2009年3月建行總行筆試題(回憶版含英語(yǔ)試題和答案

1、2009年建行總行的筆試共155道題，70道專業(yè)題，15道英語(yǔ)，70綜合測(cè)試（類似于公務(wù)員行測(cè)），考試時(shí)間180分鐘，時(shí)間基本上是充分的。從難度上看，綜合測(cè)試比公務(wù)員要簡(jiǎn)單不少，特別是數(shù)學(xué)、資料分析。英語(yǔ)大概與六級(jí)難度相當(dāng)，也不算難。能拉開(kāi)距離的應(yīng)該是專業(yè)測(cè)試，因?yàn)榻ㄐ械膶I(yè)考試范圍很廣，涉及到了金融、經(jīng)濟(jì)、管理、市場(chǎng)營(yíng)銷、財(cái)務(wù)會(huì)計(jì)、計(jì)量經(jīng)濟(jì)學(xué)等各個(gè)學(xué)科，要想全面覆蓋這些知識(shí)面，需要平時(shí)的積累。專業(yè)題涉及下面的內(nèi)容：1、法定準(zhǔn)備金率2、財(cái)政貨幣政策3、歐式期權(quán)4、巴塞爾協(xié)議三大支柱5、參數(shù)估計(jì)和殘差6、企業(yè)文化7、金融市場(chǎng)的要素8、即期和遠(yuǎn)期9、商品的需求彈性10、財(cái)務(wù)報(bào)表11、盈余公積12、

2、會(huì)計(jì)利潤(rùn)13、商業(yè)票據(jù)貼現(xiàn)14、公允價(jià)值和賬面價(jià)值15、市場(chǎng)細(xì)分16、金字塔管理結(jié)構(gòu)中，上級(jí)與中級(jí)領(lǐng)導(dǎo)比：管理難度與幅度問(wèn)題17、非貨幣性商品交換中關(guān)于具有商業(yè)實(shí)質(zhì)和沒(méi)有商業(yè)實(shí)質(zhì)的問(wèn)題18、積極的財(cái)政政策與擴(kuò)張的貨幣政策的使用范圍19、國(guó)家償債的率20、財(cái)務(wù)杠桿問(wèn)題21、關(guān)于物權(quán)法中的留置權(quán)22、市場(chǎng)占有率：某公司的市場(chǎng)占有率是30%，其他最大三個(gè)競(jìng)爭(zhēng)對(duì)手的市場(chǎng)占有率分別為20%，12%,8%。問(wèn)該公司的相對(duì)市場(chǎng)占有率23、有限責(zé)任公司股東轉(zhuǎn)讓股份的條件24、信用卡信用額度的確認(rèn)25、銀行整存整取問(wèn)題26、貨幣市場(chǎng)工具27、企業(yè)戰(zhàn)略：當(dāng)企業(yè)處于成長(zhǎng)期應(yīng)該：擴(kuò)大市場(chǎng)占有率？28、哪個(gè)屬于會(huì)計(jì)政策

3、變跟：房地產(chǎn)由成本法改為公允價(jià)值？不記得了29、關(guān)于內(nèi)部欺詐問(wèn)題30、新巴賽爾協(xié)議中關(guān)于逾期貸款的風(fēng)險(xiǎn)權(quán)重31、商業(yè)銀行法中關(guān)于客戶貸款的問(wèn)題32、公司申請(qǐng)貸款不需審核的什么。33、關(guān)于歐式看漲期權(quán)說(shuō)法正確的是：利率上漲及期權(quán)時(shí)間等對(duì)期權(quán)價(jià)格的影響34、回購(gòu)債券價(jià)格的決定因素英語(yǔ)有三篇閱讀理解：1、第一篇是反戰(zhàn)的2、第二篇是關(guān)于美元貶值的3、第三篇是關(guān)于網(wǎng)絡(luò)出版的據(jù)說(shuō)是考研和六級(jí)題，在網(wǎng)上一查，果然是的。所以能給大家奉上完整的題目！美元貶值那一篇的語(yǔ)言十分冷幽默，挺有意思的。Text 2Imagine waking up and finding the value of your assets

4、 has been halved. No, youre not an investor in one of those hedge funds that failed completely. With the dollar slumping to a 26-year low against the pound, already-expensive London has become quite unaffordable. A coffee at Starbucks, just as unavoidable in England as it is in the United States, ru

5、ns about $8.The once all-powerful dollar isnt doing a Titanic against just the pound. It is sitting at a record low against the euro and at a 30-year low against the Canadian dollar. Even the Argentine peso and Brazilian real are thriving against the dollar.The weak dollar is a source of humiliation

6、, for a nations self-esteem rests in part on the strength of its currency. Its also a potential economic problem, since a declining dollar makes imported food more expensive and exerts upward pressure on interest rates. And yet there are substantial sectors of the vast U.S. economy-from giant compan

7、ies like Coca-Cola to mom-and-pop restaurant operators in Miami-for which the weak dollar is most excellent news.Many Europeans may view the U.S. as an arrogant superpower that has become hostile to foreigners. But nothing makes people think more warmly of the U.S. than a weak dollar. Through April,

8、 the total number of visitors from abroad was up 6.8 percent from last year. Should the trend continue, the number of tourists this year will finally top the 2000 peak? Many Europeans now apparently view the U.S. the way many Americans view Mexico-as a cheap place to vacation, shop and party, all wh

9、ile ignoring the fact that the poorer locals cant afford to join the merrymaking. The money tourists spend helps decrease our chronic trade deficit. So do exports, which thanks in part to the weak dollar, soared 11 percent between May 2006 and May 2007. For first five months of 2007, the trade defic

10、it actually fell 7 percent from 2006.If you own shares in large American corporations, youre a winner in the weak-dollar gamble. Last week Coca-Colas stick bubbled to a five-year high after it reported a fantastic quarter. Foreign sales accounted for 65 percent of Cokes beverage business. Other Amer

11、ican companies profiting from this trend include McDonalds and IBM.American tourists, however, shouldnt expect any relief soon. The dollar lost strength the way many marriages break up- slowly, and then all at once. And currencies dont turn on a dime. So if you want to avoid the pain inflicted by th

12、e increasingly pathetic dollar, cancel that summer vacation to England and look to New England. There, the dollar is still treated with a little respect.52. Why do Americans feel humiliated?A) Their economy is plunging B) They cant afford trips to EuropeC) Their currency has slumped D) They have los

13、t half of their assets.53.How does the current dollar affect the life of ordinary Americans?They have to cancel their vacations in New England.They find it unaffordable to dine in mom-and-pop restaurants.They have to spend more money when buying imported goods.They might lose their jobs due to poten

14、tial economic problems.54 How do many Europeans feel about the U.S with the devalued dollar?They feel contemptuous of itThey are sympathetic with it.They regard it as a superpower on the decline.They think of it as a good tourist destination.55 what is the authors advice to Americans?They treat the

15、dollar with a little respectThey try to win in the weak-dollar gambleThey vacation at home rather than abroadThey treasure their marriages all the more.56 What does the author imply by saying “currencies dont turn on a dime” (Line 2,Para 7)?The dollars value will not increase in the short term.The v

16、alue of a dollar will not be reduced to a dimeThe dollars value will drop, but within a small margin.Few Americans will change dollars into other currencies.The answers as follow:52,B, Their currency has slumped. 53,C, They have to spend more money when buying imported goods. 54,D, They think of it

17、as a good tourist destination. 55,C, They vacation at home rather than abroad. 56,A, The dollars value will not increase in the short term.Text 3It used to be so straightforward. A team of researchers working together in the laboratory would submit the results of their research to a journal. A journ

18、al editor would then remove the authors names and affiliations from the paper and send it to their peers for review. Depending on the comments received, the editor would accept the paper for publication or decline it. Copyright rested with the journal publisher, and researchers seeking knowledge of

19、the results would have to subscribe to the journal.No longer. The Internet and pressure from funding agencies, who are questioning why commercial publishers are making money from government-funded research by restricting access to it is making access to scientific results a reality. The Organization

20、 for Economic Co-operation and Development (OECD)was just issued a report describing the far-reaching consequences of this. The report, by John Houghton of Victoria University in Australia and Graham Vickery of the OECD, makes heavy reading for publishers who have, so far, made handsome profits. But

21、 it goes further than that. It signals a change in what has, until now, been a key element of scientific endeavor.The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. It is big business. In America, the core scientific

22、publishing market is estimated at between $7 billion and $11 billion. The International Association of Scientific, Technical and Medical Publishers says that there are more than 2,000 publishers worldwide specializing in these subjects. They publish more than 1.2 million articles each year in some 1

23、6,000 journals.This is now changing. According to the OECD report, some 75% of scholarly journals are now online. Entirely new business models are emerging; three main ones were identified by the reports authors. This is the so-called big deal, where institutional subscribers pay for access to a col

24、lection of online journal titles through site-licensing agreements. There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. Finally, there are open-access archives, where organizations such auniversities or international labor

25、atories support institutional repositories. Other models exist that are hybrids of these three, such as delayed open-access, where journals allow only subscribers to read a paper for the first six months, before making it freely available to everyone who wishes to see it. All this could change the t

26、raditional form of the peer-review process, at least for the publication of papers.6. In the first paragraph, the author discussesA the background information of journal editing.B the publication routine of laboratory reports.C the relations of authors with journal publishers.D the traditional proce

27、ss of journal publication.7. Which of the following is true of the OECD report?A It criticizes government-funded research.B It introduces an effective means of publication.C It upsets profit-making journal publishers.D It benefits scientific research considerably.8. According to the text, online pub

28、lication is significant in thatA it provides an easier access to scientific results.B it brings huge profits to scientific researchers.C it emphasizes the crucial role of scientific knowledge.D it facilitates public investment in scientific research.9. With the open-access publishing model, the auth

29、or of a paper is required toA cover the cost of its publication.B subscribe to the journal publishing it.C allow other online journals to use it freely.D complete the peer-review before submission.10. Which of the following best summarizes the main idea of the passage?A The Internet is posing a thre

30、at to publishers.B A new mode of publication is emerging.C Authors welcome the new channel for publication.D Publication is rendered easier by online service.參考答案：D C A A B26. In the first paragraph, the author discussesA the background information of journal editing.the publication routine of labor

31、atory reportsC the relations of authors with journal publishers.D the traditional process of journal publication.正確答案D答案解析概括段落大意。本文談的是通過(guò)互聯(lián)網(wǎng)發(fā)表研究成果的一種新方式，指出了三大業(yè)務(wù)模式。第一段先談傳統(tǒng)的雜志出版（論文發(fā)表）流程，以此引出話題，所以正確答案是D。A選項(xiàng)journal editing沾點(diǎn)邊，但不吻合。做這類題及主題題型可以使用逆向法，即思路是：如果真要寫(xiě)journal editing的，那應(yīng)該從如何編輯，如何取舍及一些編輯的細(xì)節(jié)入手，而本段明顯不

32、是。B離題更遠(yuǎn)，實(shí)驗(yàn)報(bào)告，從何談起呀？C作者與雜志社的關(guān)系，這個(gè)流程是涉及到，但要談的不是這個(gè)?？傊祟}從本段的內(nèi)容，本段在全篇的作用，以及本文要談的主題角度，可以確定正確答案。信心指數(shù)99.927. Which of the following is true of the OECD report?A It criticizes government-funded research.It introduces an effective means of publication.C It upsets profit-making journal publishers.D It benefit

33、s scientific research considerably.正確答案C答案解析A肯定不對(duì)，報(bào)告并未批評(píng)政府資助的研究，是funding agencies批評(píng)commercial publishers，也就是這些資助一些研究項(xiàng)目的機(jī)構(gòu)質(zhì)詢商業(yè)出版機(jī)構(gòu)，我出錢(qián)，是為社會(huì)受益，咋變成你受益了呢？這個(gè)選項(xiàng)錯(cuò)在張冠李戴。B也不對(duì)，報(bào)告引進(jìn)（introduces）了一種新的出版方式嗎？不是它吧？誰(shuí)呢？The Internet is making access to scientific results a reality.是Internet，對(duì)吧？C正確。Why? 實(shí)際上是考對(duì)這句話的理解：Th

34、e report makes heavy reading for publishers. “heavy reading”是啥意思呢？費(fèi)力的閱讀。此處的heavy意為hard to do or accomplish; arduous。字面的意思是，這個(gè)報(bào)告讓獲取巨大利潤(rùn)的出版商們讀起來(lái)費(fèi)勁。為什么讀起來(lái)費(fèi)勁??？是他們的詞匯量不夠讀不懂嗎？當(dāng)然不是，結(jié)合文章所述內(nèi)容，是因?yàn)檫@個(gè)報(bào)告直指要害，觸及了他們。讀出了這層意思，C選項(xiàng)當(dāng)然就可以大膽選啦！D選項(xiàng)不對(duì)，全文核心意思，是互聯(lián)網(wǎng)出版方式會(huì)給科學(xué)研究帶來(lái)巨大的好處，使得科學(xué)成果更容易被人分享。并不是這個(gè)報(bào)告本身對(duì)科學(xué)研究帶來(lái)多大好處。當(dāng)然啦，這個(gè)報(bào)告

35、既然指出了這個(gè)趨勢(shì)，或多或少總能讓科研受益一些，但注意命題者還刻意加了一個(gè)considerably，一篇報(bào)告能有如此“相當(dāng)?shù)摹弊饔茫啃判闹笖?shù)99.928. According to the text, online publication is significant in thatA it provides an easier access to scientific results.it brings huge profits to scientific researchers.C it emphasizes the crucial role of scientific knowledge

36、.D it facilitates public investment in scientific research.正確答案A答案解析文中兩句話決定A正確，一是The Internet is making access to scientific results a reality. 二是The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. 也就是知識(shí)的價(jià)值在于其廣泛傳播和即時(shí)獲取

37、，而互聯(lián)網(wǎng)使得科學(xué)成果的很容易獲取變?yōu)楝F(xiàn)實(shí)。這不就是基于互聯(lián)網(wǎng)的在線出版的重大意義嗎！B不對(duì)，因?yàn)槲恼率冀K沒(méi)有談?wù)撗芯空叩墨@利問(wèn)題，要說(shuō)談，它也只是談了scientific publishing market是一個(gè)big business。而且，在線學(xué)術(shù)期刊的第二種業(yè)務(wù)模式（open-access publishing），還得研究者自己掏腰包的！科學(xué)知識(shí)本身無(wú)比重要的作用不在本文討論范圍，C不對(duì)。促進(jìn)對(duì)科學(xué)研究的公共投資也無(wú)從談起，D亦被輕松排除。信心指數(shù)99.929. With the open-access publishing model, the author of a paper i

38、s required toA cover the cost of its publication.subscribe to the journal publishing it.C allow other online journals to use it freely.D complete the peer-review before submission.正確答案A答案解析考對(duì)這句話的理解：There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. 通過(guò)作者本人（或其老板）付費(fèi)發(fā)表的方式支持開(kāi)架在線閱覽，注意，這里的付費(fèi)，付什么費(fèi)用呀？付給出版網(wǎng)站的費(fèi)嗎？我的想應(yīng)該是發(fā)表論文的研究費(fèi)用，A選項(xiàng)所指即這個(gè)，當(dāng)然這是題外話。B乃空穴來(lái)