二、作定语的-ed分词

-ed分词可以作前置定语也可以作后置定语，作后置定语时相当于一个定语从句。

1.-ed分词可以作前置定语，此时，分词与名词之间有两种语义关系：一种是分词表示主动意义;一种是分词表示被动意义。如：

He is a retired worker.

他是一个退休工人。

This is a newly-developed device.

这是一个新开发的工具。

2.-ed分词作后置定语时，其功能相当于一个定语从句。如：

She likes to drink cold boiled water.

他喜欢喝凉白开。

They were inspecting the houses damaged by the storm.

他们正在视察被暴风雨毁坏的房屋。

1) Commercial banks make most of their income from ______ interest on loans and investments in stocks and bonds.

[A] earn

[B] earned

[C] to earn

[D] was earned

解析：B为正确答案。空档前是一完整的句子，在没有连词的情况下，不能填充A和D;根据题意，“利息”是“通过…(被)挣来的”，有被动之意，所以选B。