大学英语六级考试模拟试卷四十二（带答案）

大学英语六级考试模拟试卷四十二

(总分：32.00,做题时间：130分钟)

一、单选题(总题数：30,分数：30.00)

1.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements—especiallyfishoilandvitaminD.

Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.But

itiswisetokeepinmindthatdosesthatfarexceedtherecommendeddietary

allowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.Takentogether;"theresultsarequite10"says

HaakonMeyei;aprofessorofepidemiologyandpreventivemedicineattheUniversity

ofOslo.

空白处1应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

Erecommendation

G.convincing

H.excessive

I.takeV

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填动词。根据空格后的名词，可确定此处应填入一个表示“吃；

服用”的动词，I项take符合题意，takepills指服用药片。故本题选I。

2.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements——especiallyfishoilandvitaminD.

Mostofthisisself-prescribed.AccordingtoananalysisoftheNHANESdata,less

thanaquarterofsupplementsaretakenatthe___3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处2应填

无(分数：1.00)

A.indicateJ

B.participating

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填动词。主语为data,可确定此处动词应为复数形式，选项中

A、D和L三项符合题意。根据上下文“全国健康与营养调查数据,当

前趋势是从摄取复合型维生素转向服用特定补品"，indicate符合题意。故本题选

Ao

3.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements——especiallyfishoilandvitaminD.Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处3应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

F.recommendationJ

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填名词。“全国健康与营养调查组织的数据分析表示，只有不

到四分之一的补品是按照保健专业医生的服用的根据选项，

recommendation符合题意。故本题选F。

4.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements—especiallyfishoilandvitaminD.Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处4应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harmJ

M.less

N.inadequate

□.disappointment

解析：根据句子结构可知，此处缺少宾语，又根据后文“对于那些营养不足

或有特殊健康问题的人来说，补品可以带来很多好处”，可知此处表达的意义是

正面、积极的，donoharm意为“没有害处”，符合题意。故本题选L。

5.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements——especiallyfishoilandvitaminD.Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处5应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincing

H.excessiveV

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填形容词。根据空格所在句前一句“但是，明智的做法是要记

住，摄入量远大于医学研究所建议的饮食限额可能会造成危险”，说明过量摄入

维生素会有危险，故此处所填形容词应意为“过量的，过多的"，excessive符合

题意。故本题选H。

6.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements—especiallyfishoilandvitaminD.Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.But

itiswisetokeepinmindthatdosesthatfarexceedtherecommendeddietary

allowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyeca

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处6应填

无(分数：1.00)

A.indicate

B.participatingJ

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：空格所在句结构完整，分析可知此处填入的词作postmenopausal

women的后置定语，选项中动名词participating,misleading>fllconvincing可作

后置定语。根据句意可知，这项研究梳理了近76000名绝经妇女服用维生素的

习惯，这些妇女了长达数十年的护士健康研究，participating意为“参

与，参加”，符合题意。故本题选B。

7.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements——especiallyfishoilandvitaminD.

Mostofthisisself-prescribed.AccordingtoananalysisoftheNHANESdata,less

thanaquarterofsupplementsaretakenatthe___3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处7应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greaterV

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填形容词的比较级。根据空格之后的than可知，此处应填入

表示比较的形容词,选项中greater和less都符合。根据上下文可知，应填入greater,

表示歌部骨折的风险比那些服用低剂量或不服用的人高出50%。故本题选K。

8.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements—especiallyfishoilandvitaminD.Mostofthisisself-prescribed.

AccordingtoananalysisoftheNHANESdata,lessthanaquarterof

supplementsaretakenatthe__3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyer,a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处8应填

无(分数:1.00)

A.indicate

B.participating

C.misleading

0.confirmsV

E.surprise

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填动词。根据句子结构可知，该句缺少谓语，其意为“这项研

究/挪威的一项大型试验中的类似发现”，由此可知，此处应填入一个

表示“证实，验证，证明”的动词，选项中confirms符合题意。故本题选D。

9.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements——especiallyfishoilandvitaminD.

Mostofthisisself-prescribed.AccordingtoananalysisoftheNHANESdata,less

thanaquarterofsupplementsaretakenatthe___3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyer,a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处9应填

无(分数：1.00)

A.indicate

B.participating

C.misleading

0.confirms

E.surpriseV

F.recommendation

G.convincing

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填名词。空格所在句意为“让研究人员非常的是，高

剂量摄入会增加麒部骨折的风险”，又根据上句“该试验研究了这些维生素和叶

酸是否能降低血管狭窄患者心脏病发作和中风的风险”，由此可知，研究结果与

预期不同，让研究人员非常吃惊，故填入surprise符合句意。故本题选E。

lO.Questions1to10arebasedonthefollowingpassage.

MorethanhalfofAmericanadults1vitaminpills.

DatafromtheNationalHealthandNutri-tionExaminationSurvey

(NHANES)2atrendawayfromall-in-onemultivitaminsandtowardspecific

supplements—especiallyfishoilandvitaminD.

Mostofthisisself-prescribed.AccordingtoananalysisoftheNHANESdata,less

thanaquarterofsupplementsaretakenatthe___3ofahealthprofessional.

Mostofthisnutritionalenthusiasmdoesno4,andforthosewith

inadequatedietsorspecialhealthconcerns,supplementscandoaworldofgood.

Butitiswisetokeepinmindthatdosesthatfarexceedtherecommended

dietaryallowancessetbytheInstituteofMedicinecanbehazardous.

Aremindercomesfromarecentstudylinking5Bvitaminstoa

heightenedriskofhipfracture.

Thestudycombedthroughthevitaminhabitsofnearly76,000postmenopausal

women6inthedecades-longNurses'HealthStudy.

Loandbehold,thosewhotookhighdosesofvitaminB6(35milligramsormore

daily),togetherwithB12(20microgramsormore),hadanearly50

per-cent7riskoffracturingtheirhipthanthosetakinglowdosesor

none.HighdosesofB6alonealsoraisedtherisk.

Thestudy8similarfindingsinalargeNorwegiantrialthatlookedat

whetherthesevitaminsandfolicacidcouldreduceheartattacksandstrokesin

patientswithnarrowedbloodvessels.

Alas,theydidnot,andtothegreat9ofresearchers,highdoseswere

linkedtohipfrac-tures.

Takentogether;"theresultsarequite10"saysHaakonMeyei;a

professorofepidemiologyandpreventivemedicineattheUniversityofOslo.

空白处10应填

无（分数：1.00）

A.indicate

B.participating

C.misleading

0.confirms

E.surprise

F.recommendation

G.convincingV

H.excessive

I.take

J.reduction

K.greater

L.harm

M.less

N.inadequate

□.disappointment

解析：此处要填形容词。该句意为“总的来说，结果相当令人二

选项中形容词只有convincing和m-adequate,根据上下文可知，两个研究结果趋

向一致，因此结果应当是“令人信服的”，而不是“不足的”，因此convincing符

合题意。故本题选G。

参考译文

一半以上的美国成年人都会服用维他命。全国健康与营养调查的数据表明，

当前趋势从摄取复合型维生素转向服用特定补品一一特别是鱼油和维生素D,它

们大部分都是非处方药。全国健康与营养调查组织的数据分析表示，只有不到四

分之一的补品是按照保健专业医生的建议服用的。

大多数情况下，人们对这种营养品所表现出来的热情并没有害处，对于那些

营养不足或有特殊健康问题的人来说，补品可以带来很多好处。但是，明智的做

法是要记住，摄入量远大于医学研究所建议的饮食限额可能造成危险。最近的一

项研究提醒我们，过量服用维生素B会增加髅部骨折的风险。

这项研究梳理了近76000名绝经妇女服用维生素的习惯，这些妇女参与了

长达数十年的护士健康研究。你瞧，那些服用高剂量维生素B6（每日35毫克或

更多）和B12（20微克或更多）的人，酸部骨折的风险比那些服用低剂量或不服用

的人高出50%。过量服用B6也会增加风险。这项研究与挪威的一项大型试验成

果不谋而合，该试验研究了这些维生素和叶酸是否能降低血管狭窄患者心脏病发

作和中风的风险。唉，结果显示并没有。让研究人员非常吃惊的是，高剂量摄入

会增加髅部骨折的风险。总的来说，“结果相当令人信服。”奥斯陆大学流行病学

和预防医学教授哈肯・迈耶说道。

11.RevitalisingCreditSuisse

（A）TidjaneThiamisnotthefirstnon-SwisscluefexecutiveofCreditSuisse（瑞士

信贷）.HisAmericanpredecessor,BradyDougan,heldthejobforeightyears.But

Mr.Douganwasaninsider,havingbeenatthefirmforages.Mr.Thiamwasanything

butacitizenoflvoryCoast,wherehewasagovernmentministerinthelate1990s,he

hadbeenaconsultantatMcKinseyandhadoverseentheEuropeanarmofAvivaand

thewholeofPrudential,twoBritishinsurers.BeforetakingthetopjobatCredit

Suissein2015,hehadneverevenworkedforabank.Charminginpersonand

intimidatingandforcefulbyreputation,Mr.Thiamwalkedstraightintoatempest.

（B）FromthestartheknewthatCreditSuisse'sdefensesagainstdisasterwere

uncomfortablythin.Itscommonequitytier1capital（普通股一级资本）coveredjust

10.3%ofrisk-weightedassets（RWAS,风险加权资产），lessthanatanyofitspeers.To

bolsterthemMr.ThiamquicklyraisedSFr6bn（$6.3bn）inequity.Unleashinghisinner

consultant,hesetaboutreorganisingthebank'sstructure,steeringittowardswealth

managementandawayfromtheriskierwhirlpoolsofinvestmentbanking.

（C）Butwithinmonthsanightmarehadunfolded.Inthelastquarterof2015

CreditSuissemadeastonkingnetloss（7争亏损）ofSFr6.4bn,asitwrotedown（减彳氐

账面价值）thevalueofitsinvestmentbankandwasbuffetedbytradinglosses.More

cashgluggedawaywhenthebanksettledAmericanchargesthatithadmis-sold

residentialmortgage-backedsecuritiesadecadebefore.Anothersharesale,raising

SFr4bn,ensuedin2017.

（D）Thefirm'sshares——andpresumablyMr.Thiam-stillbeartheimprintofthose

rightsissues（权利股发行）andwrite-downs.Theirpriceishalfwhatitwaswhen

Mr.Thiamtookover,andabout70%oftangiblebookvalue（有形账面价值）.Thebank

isstillnotfreeoflegalandethicalshadows:itisbeingsuedoverloansin

Mozambiquebeforehistime.

（EjNevertheless,Mr.Thiamhassurvivedandnowarguestheworstisover.The

restructuringprogrammewascompletedlastyear.Thesastrategicresolutionunit"

（SRU）（战略重组单位，瑞士信贷事业部之一）housingdudassets（无用资产），

whichonceheldaquarterofRWAS,hasbeenclosed.hithelatestquarterthefirm's

returnontangibleequityclimbedto9.7%,roughlywhatinvestorsregardaspar（标准;

票面价值；平均数量）forbanks.ManyEuropeanbanksstruggletodoaswell

（althoughCreditSuisse'sbiggerneighbour,UBSZwhichshifieditsweightfrom

investmentbankingtowealthmanagementafewyearsearlier;rangup11.9%）,The

questionnowiswhethertherestyledCreditSuissecanprogressfrommerestability

towardshigherprofitabilityandgrowth.

（F）Mr.ThiammayhavestudiedengineeringinParis,butinsteadofelegant

simplicityheoptedforanunusual,complexandasymmetricalstructureforthefirm,

basedaroundfivedivisions.OnehousesaSwissuniversalbank.Anothercontainsall

theAsianbusinesses.Threefunctionaldivisionscovertherestoftheworld—wealth

management,investmentbankingandglobalmarkets（trading）.

(G)lntotal,markets-relatedactivitiesaccountedforhalfofRWASin2015.Now

theirshareisjustone-third.Reckoningthatbanks'salesandtradingrevenueswould

stagnate,thankstoovercapacityandtechnologicaladvance,Mr.Thiamchose“notto

beallthingstoallpeopleandtohaveverylowcosts”.Growthwouldcomeinstead

frommanagingtheassetsofrichpeople一especiallytheveryrichindeed.Thetrading

platformwouldstillbeneeded,butatasizetoservethoseclients.

(H)Heborrowsaparallel(类似的事情)fromhisformertrade.Insurersprefer

policieswithrepeatedpremiumstoone-offs.Revenuesfrommanagingtheassetsof

thewealthy,Mr.Thiamsays,recurliketheformer,becauseonceclientsplacemoney