资料：（四）Ofallthelessonstaughtbyt-名校题库网

资料：（四）

Of all the lessons taught by the financial crisis, the most personal has been that we Americans should not be proud of our financial skills. We take out home loans we can't afford. We run up sky-high credit-card debts. We don't save nearly enough for retirement.

In response, supporters of financial-literacy education are raising their voices. School districts in many states are adding money-management courses to their curriculum. The government is encouraging students to compete in the National Financial Capability Challenge. However, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom. Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students perform in marking financial decisions.

Given the situation, a growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids′ hands, and encouraging students to talk openly about the emotions and social influences about spending.

Yet even the skeptics are slow to write off financial education completely. "We need to rigorously study the financial decisions of alumni like Ariel and Alex and compare with those too speculative to recommend one education approach over another." says Mike Sheden, a professor at Washington University in St. Louis who is conducting a seven-year study on Whether giving children real bank accounts would result in long-term smart financial decisions. Yes, good, solid research like this takes a lot of time and resources, but it is in our own best interest to pursue it.

What's the author's attitude towards financial education?（）

A.Suspicious
B.Objective
C.Optimistic
D.Critical

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答案： B

本题解析：

本题考查的是态度分析。

【关键词】author's attitude towards financial education

【主题句】第4段Yet even the skeptics are slow to write off financial education completely.然而，即便是持怀疑态度的人也迟迟没有完全取消金融教育。Yes, good, solid research like this takes a lot of time and resources, but it is in our own best interest to pursue it.是的，像这样好的、可靠的研究需要大量的时间和资源，但是追求它符合我们自己的最大利益。

【解析】题目意为“作者对金融教育的态度是什么？”A选项意为“怀疑的”，B选项意为“客观的”，C选项意为“乐观的”，D选项意为“批评的”。本题考察作者态度，第一段提到金融知识有欠缺；第二段提到学校的金融课程不见得能够发挥实效；第三段提到更激进的做法是更早更真实地开展金融教育；第四段认为金融教育有必要且需要长时间研究。综合全文来看，作者的观点是金融教育有必要，采取哪种方式需要长期研究。持客观态度。B选项正确。