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   In the past two decades, the Chinese economy has undergone many reforms in an effort to compete more effectively on the international market. These reforms included allowing foreign banks to offer credit cards to Chinese citizens. Now, researchers at the University of Missouri(MU) have found about 30% of Chinese urban households now own at least one credit card and the growth rate of credit adoption has been an average of 40% per year between 2004 and 2009.
   Rui Yao, an assistant professor of personal financial planning at MU, says that this large growth in such a small amount of time has positive and negative implications for the Chinese economy.
   “With more and more people taking advantage of credit cards in China, it certainly increases potential consumer buying power,” Yao said. “However, we found that more than 90% of credit card users were unaware of safety issues existing in credit card use and more than 60% had little knowledge of the consequences of credit card debt. This lack of knowledge could create problems as credit card ownership is expected to grow at a rate of 11% a year.”
   Yao found that while 72% of Chinese credit card holders were never late on their payment, only 55% were able to pay the full balance. She also found that 70% of Chinese credit card holders said that credit cards contributed to overspending.
   Yao believe that Chinese could benefit from financial education designed to help them plan for their financial future and encouraging the Chinese to take advantage of debt in a responsible fashion is important for the Chinese economy. “Appropriate use of debt can help households improve their quality of life as well as spur economic growth through an increase in market purchases,” Yao said.
59. Why did China allow foreign banks to offer credit cards to Chinese citizens?
   A. To increase Chinese citizen’s confidence in economy
   B. To respond to the urgent demand for financial reforms
   C. To persuade more Chinese citizens to accept credit cards
   D. To improve competitiveness in the international market
60. A lot of figures are used in the text in order to ______.
   A. provide concrete evidence     
    B. record the valuable date
  C. give a detailed description   
    D. introduce a research method 
61. It can be inferred from the text that _____.
A. education is the only solutions to future financial issues
B. overspending is mainly brought about by credit cards
C. some Chinese citizens lack knowledge of credit risks
D. most Chinese credit card holders can’t pay the balance
62. The underlined word “spur” in the last paragraph is closest in the meaning to_____
A. promote       B. delay        C. control          D. discourage
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