2019年国家公务员考试《银保监会专业科目-综合类》题

104、Old-fashioned wording is sometimes used in insurance policies because      .

A、law courts have decided not to use fashionable words

B、it is widely accepted by all the insured

C、it enables ordinary people to understand it easily

D、the meaning of such wording has been agreed upon

105、It seems that the author thinks the insurance is      .

A、a form of gambling

B、a way of making money quickly

C、useful and necessary

D、old-fashioned

材料

（二）

The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out. Reverse mortgages, which allow homeowners 62 or older to borrow money against the value of their homes and not pay it back until they move out or die, have long been said with problems. Now, federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former sub-prime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record highs.

Some lenders are aggressively recommending loans to seniors who cannot afford the fees associated with them, without mentioning the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance their long-desired things, without clearly explaining the risks. Some widows were pressured not to have their names on the contract, without being told that they could be left facing foreclosureafter their husbands died.

Now, as the vast baby boomer generation is entering retirement and more seniors struggle with declining savings, the newly established Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.

Concerns about the multi-billion dollar reverse mortgages market echo those raised in the lead-up to the financial crisis when consumers were marketed loans—often carrying hidden risks—that they could not afford. “There are many of the same red flags, including explosive growth and the fact that these loans are often advertised aggressively without regarded to suitability,“sad Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.

106、What can we learn about mortgage loans from the first paragraph?

A、The loans are expected to help seniors stay in their homes.

B、The loans are driving all seniors out of their homes.

C、The reverse mortgage only welcomes seniors.

D、Any senior can apply for reverse mortgages.

107、Which is true about the problem of reverse mortgage?

A、Some lenders are unwilling to lend money to seniors.

B、The borrowers cannot pay back the money as expected.

C、Federal and state regulators are documenting the objection.

D、Some lenders go bankrupt.

108、The phrase “facing foreclosure”most probably implies      .

A、the widows are pressured to lose their own names

B、the widows may be forced to leave their homes

C、the widows have misunderstood the reverse mortgage

D、the widows do not know what their long-desired things are

109、Which is true about the new rules from Consumer Financial Protection Bureau?

A、The rules are good for lenders while bad for borrowers

B、The rules will help baby boomer seniors to save money

C、The rules will help consumers better understand reverse mortgage

D、The rules will be stricter for consumers

110、The“red flags ”of reverse mortgage don't include      .

A、explosive growth

B、the reform of reverse mortgage market

C、little consideration to suitability

D、aggressive and improper marketing

材料

Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would you like to join her for dinner again？” Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.

Sound a little bizarre？ To some, this is the restaurant equivalent of the Internet. The Net’s ability to profile you through your visits to and interactions at websites provides marketers with an enormous amount of data on you——some of which you may not want them to have.

Are you aware that almost every time you access a website you get a “cookie”？ Unfortunately, it’s not the Mrs. Field’s recipe. A cookie on the Internet is a computer code sent by the site to your computer——usually without your knowledge. During the entire period of time that you are at the site, the cookie is collecting information about yourself, including where you visit, how long you stay there, and how frequently you return to certain pages.

While this may sound scary enough, cookies aren’t even the latest in technology. A new system call I-librarian Alexa——named after the legendary third century B.C. library in Alexandria, Egypt——does even more. While cookies track what you are doing at one site. Alexa collects data on all your web activities, such as which site you visit next, how long you stay there, whether you click on advertisements, etc. All this information is available to marketers, who use it to market more effectively to you. Not only do you not get paid for providing the information, you probably don’t even know that you are giving it.