考研英語(yǔ)經(jīng)濟(jì)類(lèi)閱讀理解專(zhuān)項(xiàng)訓(xùn)練及參考答案
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考研英語(yǔ)經(jīng)濟(jì)類(lèi)閱讀理解專(zhuān)項(xiàng)訓(xùn)練及答案:ONE STEP FORWARD ONE STEP BACK
At last, GM bags Daewoo Motor. But Hynix eludes capture
THE government is desperate to sell the most troubled of South Korea's big companies to foreigners. This, ministers believe, is the best way to accelerate
the corporate restructuring begun in the wake of the Asian financial crisis in 1997, and to clear the way for more sustainable economic growth. This week, after months of on-off talks with foreign suitors, the government's plans moved a big step forward, and then an equally big step back.
On April 30th General Motors (GM) signed a contract to buy the bankrupt Daewoo Motor. But on the same day, the board of Hynix, a cash-strapped memory-chip giant, shocked the markets by rejecting a proposed takeover by Micron Technology, an American competitor. Micron had offered to pay about .4 billion for Hynix's core memory business, and to take a minority stake in the non-memory arm. Analysts predict that the government will put pressure on creditors to rescue a deal with Micron or seek a new buyer, as liquidation is too risky to contemplate in an election year.
GM's deal with Daewoo Motor marks the end of an even longer and more painful process. Ford almost bought the car maker two years ago, but pulled out after deciding that Daewoo would be too hard to turn round. GM had been talking with Daewoo for over a year. It has agreed to buy two of the company's four domestic car plants, a factory in Vietnam, a parts unit in the Netherlands and nine overseassales arms (all in Europe except one, in Puerto Rico of all places). Between them, the two domestic factories can churn out a combined 530,000 cars and 30,000 commercial vehicles a year.
GM has struck a good deal. Together with various undisclosed partners, it will hold a 67% stake in a new company, tentatively named GM-Daewoo. The American car maker will pay 1m for its own stake of 42%, but it will also assume 3m of Daewoo Motor's debts. The acquisition is a key part of GM's global expansion. The company has been trying to strengthen its foothold in Asia for some time. Buying a presence in South Korea was seen as particularly urgent, since imports account for only 3% of the 1.5m cars sold in the country each year. GM hopes to use Daewoo's production lines to make budget cars that will be sold under the Daewoo brand in most markets.
But GM has much work to do to rebuild Daewoo's damaged brand image and domestic market share, which hovers around 10% after reaching a high of 37% in 1998. GM has to fill holes in product lines by introducing sport-utility and multi-purpose vehicles, says Nick Reilly, former chief executive of Vauxhall, GM's British subsidiary, and chief-executive-designate of GM-Daewoo now that he has sealed the deal. His management team can expect trouble from South Korea's aggressive unions along the way. In a sign of things to come, the signing ceremony was moved to a secret location after a group of union activists occupied the hotel where it was due to take place.
Economist; 5/4/2002, Vol. 363 Issue 8271, p61, 1/2p, 1c
注(1):本文選自Economist; 5/4/2002, p61, 1/2p, 1c;
注(2):本文習(xí)題命題模仿對(duì)象2004年真題Text 1;
1.Why does South Korea’s government want to sell its companies to foreigners?
[A]The companies cannot survive the Asian financial crisis.
[B]The companies can never be rescued.
[C]It can do much good to the development of the economy.
[D]It is troublesome to run the big companies.
2.Which of the following can be the main advantage of the buying of Daewoo Motor by GM?
[A]It is a big step toward GM’s global expansion.
[B]It satisfies the need of the domestic markets.
[C]It holds the majority shares of Daewoo Motor.
[D]It can control the Asian market.
3.What kind of action will the government possibly take for Hynix’s refusal?
[A]timely
[B]indignant
[C]indifferent
[D]positive
4.Why did Ford give up the acquisition of Daewoo Motor?
[A]It is difficult to be handed over to Ford.
[B]It is difficult to be changed for better.
[C]It is difficult to ask for agreement.
[D]It is difficult to realize the tricky terms.
5.Which of the following is not true according to the last paragraph?
[A]The image of Daewoo Motor has been greatly damaged.
[B]There is no progress in the domestic market share of Daewoo since 1998.
[C]The acquisition is quite popular with the Koreans.
[D]The Korean reaction is within the management team’s expectation.
答案:CADBC
篇章剖析
本文介紹了韓國(guó)政府因?yàn)橄爰涌旖?jīng)濟(jì)復(fù)蘇,而極力向外國(guó)人推銷(xiāo)南韓最混亂不堪、千瘡百孔的大公司。在這個(gè)過(guò)程中,通用公司終于盤(pán)到了大宇汽車(chē)公司,但Hynix卻避開(kāi)了被收購(gòu)的命運(yùn)。文章詳細(xì)介紹了通用公司的收購(gòu)情況。第一段指出韓國(guó)政府因?yàn)橄爰涌旖?jīng)濟(jì)復(fù)蘇,而極力向外國(guó)人推銷(xiāo)南韓最混亂不堪、千瘡百孔的大公司;第二段指出韓國(guó)政府的計(jì)劃向前進(jìn)了一大步,隨之又后退了相同的一大步;第三段指出通用公司對(duì)大宇公司的收購(gòu)情況;第四段指出這一收購(gòu)對(duì)通用公司的意義;第五段指出通用公司在收購(gòu)之后所面臨的工作和任務(wù)。
詞匯注釋
bag vt. 裝入袋中;獵獲,捕獲,奪取;占(位置)
in the wake of adv.尾隨, 緊跟, 仿效
stake [steik] n. (下在投機(jī)生意上的)股本[份]
churn out (以自動(dòng)方式)大量產(chǎn)出
designate adj. (官職)已任命但還未就職的
presence 可見(jiàn)物體,有形物體,此處指現(xiàn)有的公司或設(shè)施
難句突破
1.This, ministers believe, is the best way to accelerate the corporate restructuring begun in the wake of the Asian financial crisis in 1997, and to clear the way for more sustainable economic growth.
主體句式:this is the best way to accelerate … and to clear the way …
結(jié)構(gòu)分析:本句是一個(gè)簡(jiǎn)單句。“ministers believe”是插入語(yǔ);“begin”在句中的詞性是及物動(dòng)詞,用做被動(dòng)語(yǔ)態(tài);詞組“in the wake of”的意思是“尾隨, 緊跟”;“to accelerate”和“to clear the way”都是不定式短語(yǔ)做定語(yǔ)。
句子譯文:政府部長(zhǎng)們相信,這是加快始于1997亞洲金融危機(jī)之后的公司結(jié)構(gòu)調(diào)整、為經(jīng)濟(jì)更有效地可持續(xù)增長(zhǎng)掃清道路的最好方式。
2.GM has to fill holes in product lines by introducing sport-utility and multi-purpose vehicles, says Nick Reilly, former chief executive of Vauxhall, GM's British subsidiary, and chief-executive-designate of GM-Daewoo now that he has sealed the deal.
主體句式:Nick Reilly says …
結(jié)構(gòu)分析:本句并不難,關(guān)鍵是理解Nick Reilly的頭銜。“former chief executive of Vauxhall, GM's British subsidiary, and chief-executive-designate of GM-Daewoo”是“Nick Reilly”的同位語(yǔ),意思是“通用汽車(chē)公司英國(guó)子公司Vauxhall跑車(chē)部前任首席執(zhí)行官、目前已被任命但尚未上任的通用-大宇公司首席執(zhí)行官”;“now that”的意思是“既然, 由于”。
句子譯文:通用汽車(chē)公司英國(guó)子公司Vauxhall跑車(chē)部前任首席執(zhí)行官、目前已被任命但尚未上任的通用-大宇公司首席執(zhí)行官尼克•賴(lài)?yán)J(rèn)為,因?yàn)橐炎罱K敲定這筆交易,所以通用公司須通過(guò)引進(jìn)運(yùn)動(dòng)賽車(chē)或多功能汽車(chē)來(lái)填補(bǔ)生產(chǎn)線方面的空缺。
題目分析
1.答案為C,屬事實(shí)細(xì)節(jié)題。原文對(duì)應(yīng)信息是:“This, ministers believe, is the best way to accelerate the corporate restructuring begun in the wake of the Asian financial crisis in 1997, and to clear the way for more sustainable economic growth.。”
2.答案為A,屬事實(shí)細(xì)節(jié)題。原文對(duì)應(yīng)信息是:“The acquisition is a key part of GM's global expansion.”
3.答案為D ,屬推理判斷題。原文對(duì)應(yīng)信息是:“the government will put pressure on creditors to rescue a deal with Micron or seek a new buyer, as liquidation is too risky to contemplate in an election year.” 因?yàn)榇筮x年進(jìn)行清算風(fēng)險(xiǎn)太大,后果難以預(yù)料,所以政府將對(duì)債權(quán)人施加壓力以拯救與美光公司的這筆交易,或者另辟蹊徑,尋找別的買(mǎi)主。從這里我們可看出政府將會(huì)采取積極措施。
4.答案為B,屬事實(shí)細(xì)節(jié)題。原文對(duì)應(yīng)信息是:“Ford almost bought the car maker two years ago, but pulled out after deciding that Daewoo would be too hard to turn round.”理解這句話(huà)的關(guān)鍵在與詞組“pull out”(其含義是“退縮;從某種境況或承諾中撤出”)和“turn round”(其含義是“轉(zhuǎn)身,轉(zhuǎn)變”)。
5.答案為C,屬事實(shí)細(xì)節(jié)題。選項(xiàng)A、B、D在文章中都可找到對(duì)應(yīng)信息。文章最后提到“His management team can expect trouble from South Korea's aggressive unions along the way. In a sign of things to come, the signing ceremony was moved to a secret location after a group of union activists occupied the hotel where it was due to take place.”,我們可看出并不是所有人都贊同通用公司對(duì)大宇公司的收購(gòu)的,因此選項(xiàng)C是錯(cuò)誤的。
參考譯文
進(jìn)一步,退一步
通用公司終于盤(pán)到了大宇汽車(chē)公司,但Hynix卻避開(kāi)被收購(gòu)的命運(yùn)
韓國(guó)政府想極力向外國(guó)人推銷(xiāo)南韓最混亂不堪、千瘡百孔的大公司。政府部長(zhǎng)們相信,這是加快始于1997亞洲金融危機(jī)之后的公司結(jié)構(gòu)調(diào)整、為經(jīng)濟(jì)更有效地可持續(xù)增長(zhǎng)掃清道路的最好方式。本周,經(jīng)過(guò)數(shù)月與外商斷斷續(xù)續(xù)的討論,政府的計(jì)劃向前進(jìn)了一大步,隨之又后退了相同的一大步。
4月30日,通用汽車(chē)公司簽署了一項(xiàng)購(gòu)買(mǎi)已破產(chǎn)大宇汽車(chē)公司的合同。但是,就在同一天,急需現(xiàn)金的存儲(chǔ)類(lèi)芯片巨人Hynix公司的董事會(huì)斷然拒絕了美國(guó)的一家競(jìng)爭(zhēng)對(duì)手——美國(guó)美光科技公司——的收購(gòu)建議,此舉令市場(chǎng)大為震驚。美光科技公司曾出價(jià)約34億美元來(lái)購(gòu)買(mǎi)Hynix公司的核心芯片業(yè)務(wù),并在非存儲(chǔ)類(lèi)芯片業(yè)務(wù)內(nèi)占少數(shù)股份。分析人士預(yù)測(cè),政府將對(duì)債權(quán)人施加壓力以拯救與美光公司的這筆交易,或者另辟蹊徑,尋找別的買(mǎi)主,因?yàn)榇筮x年進(jìn)行清算風(fēng)險(xiǎn)太大,后果難以預(yù)料。
通用汽車(chē)公司與大宇汽車(chē)公司的交易標(biāo)志著一個(gè)甚至更長(zhǎng)和更痛苦的過(guò)程的結(jié)束。兩年前,福特公司幾乎購(gòu)買(mǎi)了這家汽車(chē)制造廠,但發(fā)現(xiàn)很難使大宇汽車(chē)公司起死回生后知難而退。通用公司與大宇汽車(chē)公司談判了近一年。最后決定由通用公司購(gòu)買(mǎi)大宇公司的四個(gè)國(guó)內(nèi)汽車(chē)制造廠,位于越南的一家工廠、荷蘭的一家零配件制造廠和九家海外分廠(除波多黎各一家制造廠外,其余的都在歐洲)。在它們之間,這兩家制造廠每年可生產(chǎn)53萬(wàn)輛組合汽車(chē)和3萬(wàn)輛商用汽車(chē)。
通用汽車(chē)公司做成了一筆極好的買(mǎi)賣(mài)。它將與各種不愿透露身份的合作伙伴一起擁有新公司(暫時(shí)命名為通用-大宇公司)的67%的股份。這家美國(guó)汽車(chē)制造商將為其擁有的42%的股份支付2.51億美元,但它也將承擔(dān)大宇汽車(chē)公司5.73億美元的債務(wù)。此項(xiàng)收購(gòu)是通用汽車(chē)公司全球擴(kuò)張戰(zhàn)略的關(guān)鍵部分。在相當(dāng)一段時(shí)期內(nèi),通用公司一直試圖鞏固它在亞洲的地位。人們普遍認(rèn)為,購(gòu)買(mǎi)南韓現(xiàn)有的一家公司是通用公司的當(dāng)務(wù)之急,因?yàn)槊磕甑钠?chē)進(jìn)口量只占國(guó)內(nèi)銷(xiāo)售總量150萬(wàn)的3%。通用公司希望利用大宇公司的生產(chǎn)線生產(chǎn)出能以大宇商標(biāo)在大部分市場(chǎng)銷(xiāo)售的廉價(jià)汽車(chē)。
但是通用汽車(chē)公司還要做很多工作來(lái)重塑大宇已毀的形象,并且重新建立國(guó)內(nèi)市場(chǎng)份額。大宇原先的市份額在1998年達(dá)到37%的高峰后,一直停留在10%左右。通用汽車(chē)公司英國(guó)子公司Vauxhall跑車(chē)部前任首席執(zhí)行官、目前已被任命但尚未上任的通用-大宇公司首席執(zhí)行官尼克•賴(lài)?yán)J(rèn)為,因?yàn)橐炎罱K敲定這筆交易,所以通用公司須通過(guò)引進(jìn)運(yùn)動(dòng)賽車(chē)或多功能汽車(chē)來(lái)填補(bǔ)生產(chǎn)線方面的空缺。在這一過(guò)程中,賴(lài)?yán)墓芾戆嘧宇A(yù)料到會(huì)遭遇來(lái)自韓國(guó)工會(huì)的攻擊。在簽署相關(guān)事宜的時(shí)候,由于簽署儀式所用賓館被一群工會(huì)激進(jìn)分子所控制而不得不轉(zhuǎn)到一個(gè)秘密地點(diǎn)。
考研英語(yǔ)經(jīng)濟(jì)類(lèi)閱讀理解專(zhuān)項(xiàng)訓(xùn)練及答案:Giving Credit Where Credit Is Not Due
The big identity-theft bust last week was just a taste of what's to come. Here's how to protect your good name
HERE'S THE SCARY THING about the identity-theft ring that the feds cracked
last week: there was nothing any of its estimated 40,000 victims could have done to prevent it from happening. This was an inside job, according to court documents. A lowly help-desk worker at Teledata Communications, a software firm that helps banks access credit reports online, allegedly stole passwords for those reports and sold them to a group of 20 thieves at a pop. That allowed the gang to cherry-pick consumers with good credit and apply for all kinds of accounts in their names. Cost to the victims: million and rising.
Even scarier is that this, the largest identity-theft bust to date, is just a drop in the bit bucket. More than 700,000 Americans have their credit hijacked every year. It's one of crime's biggest growth markets. A name, address and Social Security number--which can often be found on the Web--is all anybody needs to apply for a bogus line of credit. Credit companies make class="main">
考研英語(yǔ)經(jīng)濟(jì)類(lèi)閱讀理解專(zhuān)項(xiàng)訓(xùn)練及參考答案
The good news is that there are plenty of steps you can take. Most credit thieves are opportunists, not well-organized gangs. A lot of them go Dumpster diving for those millions of "pre-approved" credit-card mailings that go out every day. Others steal wallets and return them, taking only a Social Security number. Shredding your junk mail and leaving your Social Security card at home can save a lot of agony later.
But the most effective way to keep your identity clean is to check your credit reports once or twice a year. There are three major credit-report outfits: Equifax (at equifax.com), Trans-Union (www.transunion.com) and Experian (experian.com). All allow you to order reports online, which is a lot better than wading through voice-mail hell on their 800 lines. Of the three, I found TransUnion's website to be the cheapest and most comprehensive--laying out state-by-state prices, rights and tips for consumers in easy-to-read fashion.
If you're lucky enough to live in Colorado, Georgia, Maryland, Massachusetts, New Jersey or Vermont, you are entitled to one free report a year by law. Otherwise it's going to cost to each time. Avoid services that offer to monitor your reports year-round for about ; that's more than the going rate among thieves. If you think you're a victim of identity theft, you can ask for fraud alerts to be put on file at each of the three credit-report companies. You can also download a theft-report form at www.consumer.gov/idtheft, which, along with a local police report, should help when irate creditors come knocking. Just don't expect justice. That audacious help-desk worker was one of the fewer than 2% of identity thieves who are ever caught.
By Chris Taylor Time; 12/9/2002, Vol. 160 Issue 24, p100, 3/4p, 1c
注(1):本文選自Time; 12/9/2002, p100, 3/4p, 1c;
注(2):本文習(xí)題命題模仿對(duì)象2004年真題Text 1;
1.What is the trend of credit-theft crime?
[A]Tightly suppressed.
[B]More frightening.
[C]Rapidly increasing.
[D]loosely controlled.
2.The expression “inside job”(Line 6, Paragraph 1) most probably means _________.
[A]a crime that is committed by a person working for the victim
[B]a crime that should be punished severely
[C]a crime that does great harm to the victim
[D]a crime that poses a great threat to the society
3.The creditors can protect their identity in the following way except _________.
[A]destroying your junk mail
[B]leaving your Social Security card at home
[C]visiting the credit-report website regularly
[D]obtaining the free report from the government
4.Why is it easy to have credit-theft?
[A]More people are using credit service.
[B]The application program is not safe enough.
[C]Creditors usually disclose their identity.
[D]Creditors are not careful about their identity.
5.What is the best title of the text?
[A]The danger of credit-theft
[B]The loss of the creditors
[C]How to protect your good name
[D]Why the creditors lose their identity
答案:CADBC
篇章剖析
本文以最大的一起信用卡竊盜案為切入點(diǎn),指出竊用信用卡是一種非常嚴(yán)重的犯罪現(xiàn)象,并介紹了如何進(jìn)行一些防范措施。第一段介紹了最大的一起信用卡竊盜案;第二段指出這一犯罪現(xiàn)象的嚴(yán)重性:這是最大的成長(zhǎng)性犯罪市場(chǎng)之一,而且銀行方面的防護(hù)措施薄弱;第三段、四段和五段詳細(xì)介紹了一些防范措施。
詞匯注釋
identity-theft 個(gè)人身份信息被盜
fed n. [常作F-][美俚]聯(lián)邦調(diào)查局人員; 聯(lián)邦政府工作人員
ring n. 團(tuán)伙;一幫
inside job n. (Slang) 監(jiān)守自盜
pop adv. 每張地;每個(gè)地
bust [bQst] n. 逮捕;告破;突然搜查
a drop in the bucket 冰山一角,滄海一粟
hijack vt. 劫持,(像攔路搶劫似的)偷竊;詐騙,欺詐
credit n. 信用;(銀行)存款
bogus [5bEJ^Es] adj. 假的;偽造的,如:a bogus certificate 偽造的證件
line of credit 信用限額,信貸限額
fraud [frC:d] n. 欺騙, 欺詐行為,詭計(jì);騙子;假貨
as it stands 按照現(xiàn)在情況, 事實(shí)是這樣
Dumpster n. (鄧普斯特爾商標(biāo))垃圾罐
go out過(guò)時(shí),不流行
shred vt., vi. (shredded) 撕碎, 切碎, 破碎
irate [aI5reIt] adj. 發(fā)怒的;生氣的
knock vt. 批評(píng);找岔子
audacious [C:5deIFEs] adj.大膽的, 鹵莽的, 蠻橫無(wú)理的;大膽創(chuàng)新的
難句突破
A lowly help-desk worker at Teledata Communications, a software firm that helps banks access credit reports online, allegedly stole passwords for those reports and sold them to a group of 20 thieves at a pop.
主體句式:a worker stole … and sold …
結(jié)構(gòu)分析:本句是一個(gè)簡(jiǎn)單句。在這個(gè)句子中,“lowly”用做形容詞,意思是“.地位低的, 卑賤的”;“a software firm that helps banks access credit reports online”是“Teledata Communications”的同位語(yǔ),其中that引導(dǎo)定語(yǔ)從句來(lái)修飾a software firm,access的詞性是動(dòng)詞,意思是“接近,進(jìn)入獲得接觸(數(shù)據(jù)或程序)的途徑”;“allegedly”的意思是“依其申述”;“a pop”的意思是“每張地;每個(gè)地”。
句子譯文:據(jù)說(shuō),一家?guī)椭y行在線訪問(wèn)客戶(hù)信譽(yù)報(bào)告的軟件公司——遠(yuǎn)程數(shù)據(jù)通信公司——的一個(gè)低級(jí)help-desk服務(wù)系統(tǒng)工作人員盜取了這些報(bào)告的密碼,以每個(gè)60美元的價(jià)格賣(mài)給一個(gè)由20個(gè)小偷組成的團(tuán)伙。
題目分析
1.答案為C,屬事實(shí)細(xì)節(jié)題。句子“Even scarier is that this, the largest identity-theft bust to date,
is just a drop in the bit bucket.”的意思是“甚至更令人震驚的是, 迄今為止最大的個(gè)人信息竊盜案的告破僅僅是冰山之一角。”;“It's one of crime's biggest growth markets.”的意思是“這是最大的成長(zhǎng)性犯罪市場(chǎng)之一。”從這兩句話(huà)我們可做出正確的選擇。
2.答案為A,屬猜詞題。原文對(duì)應(yīng)信息是“A lowly help-desk worker at Teledata Communications, a software firm that helps banks access credit reports online, allegedly stole passwords for those reports and sold them to a group of 20 thieves at a pop.”。這句話(huà)對(duì)“inside job”做出了解釋。
3.答案為D ,屬事實(shí)細(xì)節(jié)題。選項(xiàng)D是某些債權(quán)人應(yīng)享有的權(quán)利,而不是一種防范措施。
4.答案為B,屬推理判斷題。原文對(duì)應(yīng)信息是:“A name, address and Social Security number--which can often be found on the Web--is all anybody needs to apply for a bogus line of credit. Credit companies make class="main">
考研英語(yǔ)經(jīng)濟(jì)類(lèi)閱讀理解專(zhuān)項(xiàng)訓(xùn)練及參考答案
5.答案為C,屬主旨大意題。文章開(kāi)頭指出竊用信用卡是一種非常嚴(yán)重的犯罪現(xiàn)象,接著介紹了如何進(jìn)行一些防范措施。所以選項(xiàng)C是正確答案。
參考譯文
在不該講信用的地方講信用
上周對(duì)個(gè)人身份信息竊賊突然進(jìn)行的大搜查只是后續(xù)行動(dòng)的一種小試牛刀的嘗試。下面介紹的是該如何保護(hù)你的名字安然無(wú)恙
下面是有關(guān)上周已被聯(lián)邦特工粉碎的盜竊團(tuán)伙偷盜個(gè)人信息的令人驚慌的事例:估計(jì)受害人 有4萬(wàn)人之眾,而他們中間的任何人根本無(wú)法采取任何防范措施來(lái)阻止這種盜竊行為的發(fā)生。據(jù)法院檔案記載,這是一種監(jiān)守自盜行為。據(jù)說(shuō),一家?guī)椭y行在線訪問(wèn)客戶(hù)信譽(yù)報(bào)告的軟件公司——遠(yuǎn)程數(shù)據(jù)通信公司——的一個(gè)低級(jí)help-desk服務(wù)系統(tǒng)工作人員盜取了這些報(bào)告的密碼,以每個(gè)60美元的價(jià)格賣(mài)給一個(gè)由20個(gè)小偷組成的團(tuán)伙。這樣,該盜竊團(tuán)伙就從那些消費(fèi)者的名單中精心挑選出信用好的人,然后以他們的名義申請(qǐng)各種賬戶(hù)。受害人付出的代價(jià):3百萬(wàn)美元,而此數(shù)仍在繼續(xù)攀升。
甚至更令人震驚的是, 迄今為止最大的個(gè)人信息竊盜案的告破僅僅是冰山之一角。每年有70多萬(wàn)美國(guó)人的銀行存款被瘋狂盜取。這是最大的成長(zhǎng)性犯罪市場(chǎng)之一。一個(gè)名字、一個(gè)地址和一個(gè)社會(huì)保險(xiǎn)號(hào)——這些東西在網(wǎng)上很容易找到——是想申請(qǐng)假信貸限額的任何人所需的全部東西。信貸公司每年賺1.3萬(wàn)億,其中2%的收入被騙子詐取,因此,幾乎沒(méi)有任何金錢(qián)的刺激來(lái)促使他們把申請(qǐng)過(guò)程做得更安全一些。按現(xiàn)在情況看,保護(hù)自己的信用安全完全是你自己的事。
好消息是,有許多可采取的步驟供你選擇。多數(shù)信用卡竊賊是投機(jī)取巧者, 而非組織嚴(yán)密的團(tuán)伙。他們當(dāng)中的許多人常去翻垃圾桶,去尋找數(shù)百萬(wàn)件事先批準(zhǔn)、且已過(guò)時(shí)的信用卡郵件,而其它人則去偷錢(qián)包。到手后他們只留下社會(huì)保險(xiǎn)號(hào),把錢(qián)包返還給失主。粉碎垃圾郵件、把社會(huì)保險(xiǎn)卡留在家里可減少你許多事后后悔莫及的痛苦。
但保護(hù)你的信用卡不被盜取的最有效的方法是檢查你的信用報(bào)告,每年一至兩次。有三個(gè)主要的信用報(bào)告查詢(xún)網(wǎng)址:Equifax (equifax.com),Trans-Union (www.transunion.com)和 Experian (experian.com)。你可在這些網(wǎng)址上在線訂購(gòu)信用報(bào)告, 這比通過(guò)他們提供的800條專(zhuān)線進(jìn)行令人痛苦的語(yǔ)音郵件煉獄式查詢(xún)好得多。在這三個(gè)網(wǎng)站中,我發(fā)現(xiàn)TransUnion的網(wǎng)站收費(fèi)最低,且內(nèi)容包羅萬(wàn)象——以一種便于閱讀的方式為消費(fèi)者列出了各項(xiàng)價(jià)格、權(quán)利和提示。
如果你有幸住在科羅拉多州、佐治亞州、馬里蘭州、麻薩諸塞州、新澤西州或佛蒙特州,那么,依照法律,你就有權(quán)每年享受一次免費(fèi)報(bào)告,否則,這樣的報(bào)告每次就要花去你8 到14 美元。要盡量避免使用要價(jià)70美元的全年信用報(bào)告監(jiān)控服務(wù);這筆費(fèi)用比竊賊之間目前實(shí)行的價(jià)碼還要高10美元。如果你認(rèn)為你是信用卡被盜案的受害人,你就可要求將欺詐警報(bào)在這三家信用報(bào)告公司存檔待查。你也可從www.consumer.gov/idtheft網(wǎng)站上下載一種竊盜報(bào)告表格。這張表格與地方警察局的報(bào)告一起,在怒氣沖沖的債權(quán)人來(lái)找碴兒時(shí),能派得上用場(chǎng)。別指望有什么公正。那位膽大妄為的help-desk服務(wù)系統(tǒng)工作人員就是不到個(gè)人信用信息竊賊2%的很少幾個(gè)伸手被捉的盜賊之一。
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