銀行招聘考試綜合知識(習題卷2)

試卷科目：銀行招聘考試綜合知識銀行招聘考試綜合知識(習題卷2)PAGE"pagenumber"pagenumber/SECTIONPAGES"numberofpages"numberofpages銀行招聘考試綜合知識第1部分：單項選擇題，共177題，每題只有一個正確答案,多選或少選均不得分。[單選題]1.資料：From:prorno@To:kkaminski@Subject:NewflavorsDate:March8DearMr.Kaminski.Iamwritingtosharesomeexcitingnewswithyou.Fruittisomisnowlaunchinganewlineofnaturalfruitjuices.，andwewouldliketosendyousomesamplessothatyoucantrythemtoo.FreesampLesarebeingofferedonlytocustomerswhohavepurchasedFruittisomjuicesfromouronlinestorewithinthelastyear.Ifyouwishtoreceivesamplesofthenewlineofourproducts,gotoouronlinestoreandselectuptothreeproductsyouwouldliketotry.Then,insteadofmakingapayment,enterpromotionalcodeTY117563,andyourselectionswillbeshippedtoyourhomewithoutcharge.Withbestregards,AshleyHockstraWhatissuggestedaboutMr.Kaminski?A)HehasshoppedatFruittisom?sonlinestoreB)HehasbeenchargedincorrectlyforanorderC)HehasworkedforFruittisomD)Hehasreportedalatedelivery[單選題]2.不構成我國政策性金融機構資金來源的是（）。A)財政撥款B)金融債券C)開戶企業(yè)存款D)社會公眾存款[單選題]3.在會計核算中，資金運動的具體內容是通過在賬簿中設置（）來反映的。A)賬戶B)會計科目C)單元D)內容[單選題]4.下列關于公司股東出資的表述，正確的是（）。A)公司成立后，股東可以根據需要抽回出資B)股東只能用貨幣進行出資C)無論是有限責任公司還是股份有限公司，股東均可自由轉讓其出資D)股東可以貨幣和非貨幣資產出資[單選題]5.Thesmogisdue（）invisiblegases，mostlyfromautomobileexhaust.A)fromB)toC)forD)with[單選題]6.避險過當負刑事責任，但應當（）處罰。A)從輕B)減輕C)免除D)減輕或者免除[單選題]7.有關消費函數和儲蓄函數的表述錯誤的是()。A)消費等于自發(fā)消費和引致消費之和B)儲蓄與消費之間的依存關系被稱為儲蓄函數C)消費函數和儲蓄函數互為補數D)消費函數公式為C=a+βY[單選題]8.下列業(yè)務中，應該填制現金收款憑證的是（）。A)將多余現金存入銀行B)從銀行提取現金C)出租設備,收到一張現金支票D)報廢一臺電腦，出售殘料收到現金[單選題]9.由于某化肥廠長期排污，該地域內兩個村莊幾年來多人患有罕見的嚴重疾病，根據《環(huán)境保護法》的規(guī)定，下列哪一選項是錯誤的?（）A)受害村民有權對該廠提起民事訴訟B)因環(huán)境污染引起的民事訴訟時效為3年C)環(huán)境污染民事責任的歸責原則實行公平責任原則D)本案由化肥廠承擔其排污行為和損害結果之間是否存在因果關系的舉證責任[單選題]10.洋務運動始于（）。A)19世紀30年代B)19世紀50年代C)19世紀60年代D)19世紀90年代[單選題]11.通貨膨脹對收入和財富進行再分配的影響是指（）。A)造成收入結構的變化B)使收入普遍上升C)使債權人收入上升D)使收入普遍下降[單選題]12.在金融衍生工具中，（）的風險最大。A)互換B)期權C)期貨D)遠期[單選題]13.Theorphanageisjustoneofher___causes.A)phoneticB)philanthropicC)prevalentD)lunatic[單選題]14.資料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the?higherup?hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，?Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear?isbetterthan?Thisstereodoesnotwork?Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Whenaconsumerfindsthatanitemsheorheboughtisfaulty，whatshouldshe/hedofirst?A)ToaskforhelpfromtheshopassistantsB)ToshowthewrittenpromisebythecompanyC)TopostitonlineD)Tocomplaintothecompany[單選題]15.銀行匯票持票人未在代理付款行開戶的，原持票人需要一次或分次轉賬支付的，應由其填制支款憑證，并交驗本人身份證件。其會計分錄為()。A)借：存放聯行款項(聯行往賬)貸：應解匯款一一持票人戶B)借：應解匯款一一原持票人戶貸：現金C)借：應解匯款一一原持票人戶貸：××科目一一××戶D)借：現金貸：應解匯款一一持票人戶[單選題]16.關于?政府失靈?的敘述，正確的是（）。A)政府無法掌握正確決策所需的足夠信息B)?政府失靈?是由于市場經濟的負外部性引起的C)政府在糾正經濟不穩(wěn)定方面完全無能為力D)政府干預經濟在創(chuàng)造財富的效率方面作用較大，但無法保證社會公平[單選題]17.我國GDP在?十一五?末已躍居世界（）。A)第一B)第二C)第三D)第四[單選題]18.Hiskingdomwasstill___；theDanesfarfromsubdued.A)precariousB)preferentialC)primalD)prodigal[單選題]19.在資本主義市場上，商品出售價格的最低界限是（）。A)商品的個別價值B)商品的社會價值C)商品的生產成本D)商品的生產價格[單選題]20.銀行業(yè)金融機構資不抵債，不能支付到期債務時，由（）依法宣告其破產。A)人民銀行B)人民法院C)銀監(jiān)會D)人民政府[單選題]21.?欲窮千里目，更上一層樓?說的是（）。A)岳陽樓B)鸛雀樓C)黃鶴樓D)滕王閣[單選題]22.Hespentages______forapayincrease，onlytoresignfromhisjobsoonafterhe?dreceivedit.A)observingB)occurringC)negotiatingD)securing[單選題]23.資料：Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsareimaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,andstillothersarefrightening.Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleaboutadreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhisdreams.Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappenstohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.Peopleseeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Mostdreamsoccurincolor.Butpersonswhohavebeenblindsincebirthdonotseeatallindreams.Dreamsareaproductofthesleeper'smind.Theyincludeeventsandfeelingsthathehasexperienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesofthedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesorfears-especiallythoseheldsincechildhood-oftenappearindream.andmanydreamsfulfilsuchwishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofadream,buttheydonotcausedreams.Somedreamsinvolvedeepfeelingthatapersonmayrealizehehas.Psychiatristsoftenusematerialfromapatient?sdreamstohelpthepersonunderstandhimselfbetter.Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.Peoplewhogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousandrestless.Accordingtothepassage,dreamsresultfrom______.A)thesleeper?sownmindB)thesleeper?sfeelingC)thesleeper?simaginationD)thesleeper?swishes[單選題]24.()是衡量銀行資產質量的最重要指標。A)資本利潤率B)資本充足率C)不良貸款率D)資產負債率[單選題]25.商業(yè)銀行根據業(yè)務需要可以在境內外設立分支機構，并應當按照規(guī)定撥付與其經營規(guī)模相適應的營運資金額。撥付各分支機構營運資金額的總和，不得超過總行資本金總額的（）。A)30％B)40％C)50％D)60％[單選題]26.在Excel提供的4類運算符中，優(yōu)先級最高的是（）。A)算術運算符B)比較運算符C)文本運算符D)引用運算符[單選題]27.資料：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwithanegativeemployee.Theseworkersdon?tnecessarilyfallintothecategoryof?toxic,?butthey?rejustkindofadragwiththeircynical,pessimisticworldview.Ifyou?redealingwithanegativeemployee,hereare3stepstotake.FINDOUTWHYIfyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeenbehaviorchangesrecently.Isthenegativityaconstantorhasthebehaviorescalated?Ifthelatter,wasthereaneventthatleduptothechange?Individualsintheworkplacelivemulti-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityandmood.InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchersfoundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagersaresupportive.DISCUSSGOALSWhendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethediscussioninthecontextoftheIndividual?sgoals.?Tonepolicing?whereyousimplypointoutpessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcausemoreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditionaltraining,perhapsinmanagementorcommunicationskills,toovercomeadeficit.ADDRESSISSUESAdirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsorcircumstancesdrivingthebehavior.Ifthereareworkplaceissuethatcanbesolved,considerdoingsoifitmakesense.Iftherearepersonalissuesthathavecausedanescalationinnegativebehavior,examinewhetheraccommodationscanbemadetohelpthepersonwhilethey?regoingthroughsuchchallenges.Someemployeesdon?thavegreatinterpersonalskills,andputtingtheminjobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbeaneffectivesolution,too.Accordingtoparagraphtwo,whatcanresultintheescalatednegativebehaviorofanemployee?A)lowincomeB)FamilystressC)heavyworkloadD)Unsatisfacationattheofficeenvironment[單選題]28.服務是一方向另一方提供的基本上是（），并且不導致任何所有權的產生。A)有形產品B)無形的任何活動或利益C)物質產品D)實體產品[單選題]29.現代家庭生活離不開網絡的支持，但數字生活的普及通常都是從路由器開始的。路由器在網絡中的作用是（）。A)解析模擬信號為數字信號B)鏈接多個網絡或者網段C)保護連接進入網絡的設備安全，避免黑客攻擊D)解析網絡要求，將域名翻譯為ip地址，從而獲取網絡訪問[單選題]30.Thefast-growingChinesemarkethasbeenasourceof______opportunitiesforbusinesses。A)considerableB)consideringC)consideredD)considerate[單選題]31.下列不屬于中國人民銀行的主要職責的是（）。A)制定貨幣政策B)辦理居民存款C)防范金融危機D)維護金融穩(wěn)定[單選題]32.刑法規(guī)定，對于中止犯罪，沒有造成損害的，（）免除處罰，造成損害的，應當減輕處罰。A)應當B)可以C)視情節(jié)輕微程度D)如果是過失的[單選題]33.資料：Italy'snextgovernment,acoalitionbetweenthepopulistFiveStarMovementandthefar-rightNorthernLeague,isgivinginvestorsplentytoworryabout.Leakedplans,hastilyabandoned,suggesteditmightwanttoleavetheeuroorasktheEuropeanCentralBanktoforgive€250bn（$292bn）ofItaliandebt.ButlessattentionhasbeenpaidtowhatitmightmeanforItalianbanks,andinparticularfortheirbiggestburden:non-performingloans（NPLs）.Over€185bnofNPLswereoutstandingattheendof2017,themostforanycountryintheEuropeanUnion.（1）BycomparisonwithGreecewhereNPLsare45%ofloans,Italylooksmanageablewithjust11.1%.Andithasmadeprogress:inlate2015NPLswere16.8%ofloans.Butanywildpolicylurcheswouldputthatprogressinquestion.Theclean-upofbanks?bookshasreliedonopennesstoforeigninvestors.HugevolumesofNPLs（€37bnin2016andover€47bnin2017,accordingtoDeloitte,aconsultancy）havebeensoldbybanks,oftentospecialistAmericanhedgefundslikeCerberusCapitalManagementorFortress.（2）Theseso-calledvulturefundsmayfindlifeharderunderthenewgovernment.Giventheimportanceofbeingabletorepossessthecollateralforsecuredloans,NPLinvestorshavebeentakenabackbyaproposaltopreventanyactionagainstadebtorwithouttheinvolvementofacourt.Thiswouldruncountertoeffortstoincreasetheuseofout-of-courtsettlementforcollateralacrosstheEU.（3）ThefutureofGACS,aschemeforprovidinganItaliangovernmentguaranteetotheseniortranchesofNPLsecuritisations（withtheEU'sblessing）,isalsoinquestion.Despiteaslowstartin2016,ithascometoplayalargerole.AnNPLsalelastyearbyUniCredit,alargebank,worth€l7.7bn,wassubjecttothescheme.Another€38bn-worhofItalianNPLdealsinprogresswillbetoo,accordingtoDebtwire,anewsservice.ButinvestorsnowworrythatGACSwillnotberenewedonceitexpires失效inSeptember,contrarytopreviousplans.（4）EuropeanregulatorshavemadeaconcertedefforttodealwithNPLs.InMarchtheEuropeanCommissionproposedlawstomakecross-borderoperationseasierfordebt（5）Marketshavedeepenedintandem.Aswellasthespecialistfundsdoinglargedeals,moreoptionsfortradingNPLshaveemerged.OneexampleisDebitos,atradingplatformthatstartedinGermanyandthatallowsinvestorstotradeinNPLsfrom11Europeancountries,includingItalyandGreece.Mostofitssalesarebetween€50mand€200mandinterestoftencomesfromlocalinvestors,saysTimurPeters,itsfounder-forexample,fromindividualswhobuyproperty-backedNPLsasawaytoacquirethoseproperties.（6）Aliquidpan-EuropeanmarketinNPLsoughttopreventbanks?badloansfromaccumulatingandthreateningtheirstability,asduringthemostrecentcrisis.ButItalywould,becauseofitssheersize,bethelargestsourceofsuchloansfortheforeseeablefuture.Andanymarketwithrealdoubtsaboutthelargestsupplierisalmostcertaintobeastuntedone.（7）Whichisincorrectaboutthechart?A)ThetotalloansofItalywereabout€1667bnintheyearof2017.B)TheproportionoftheNPLsintotalloansofGreeceisthehighestamongall.C)GreecehadmuchmoretotalloansthanthatofSpaininspiteoflowerNPLs.D)Francehadmosttotalloansinthelistofabout€4350bnin2017.[單選題]34.穿越我國領土距離最長的緯線是（）。A)北緯20°B)北緯30°C)北緯40°D)北緯50°[單選題]35.商業(yè)銀行最主要的資金來源是（）。A)資本金B(yǎng))中央銀行借款C)發(fā)行金融債券D)存款負債[單選題]36.There'san______foodshortageandmanyfarmerswillmissthewintercroppingseason.A)enormousB)immenseC)acuteD)urgent[單選題]37.資料：HappywoodspritesknowsthewaytoFenghuangcity.HappywoodspriteswillholdabigpartyalongtheSpiritLaketonightTheSpiritLakeislocatedinNorth-eastofhereThedensityoftreebranchesandleavescouldtelldirection.Generally,thedirectionthathasMorebranchesandleavesisthesouth.Accordingtoastrology,youcoulddeterminedirection.Firstly,youshouldfindtheadleBigDipper.InthedirectionofthehandleyoucanfindPoiarisandthatdirectionisthenorth.打開信封，里面是一個請柬ArecitalofpoemsbyBarbieMariposathatretelllegendsfromthetribalcultureoftheSpiritLake.AccompanimentbyHappywoodspriteswhowillbeplayingharpnativespiritLakeinstrumentsfromhisprivatecollectionGreenspinachsaladwithvinaigrettedressingCreamofmushroomsoupGrilledsalmonwithchoiceofeitherroastedsquashorsteamedbroccoliLemonmeringuetartDinnerwillstartpromptlyatmidnightandendbeforesunriseisTreeHouseofSpiritLake.FormalDressingrequires.WhatwillHappywoodspritescontributetotheevent?A)DancesB)PoetryC)PaintingsD)Music[單選題]38.?坐地日行八萬里，巡天遙看一千河?著名詩句所蘊含的哲理是（）。A)物質運動的客觀性和時空的主觀性的統(tǒng)一B)物質運動的無限性和時空的有限性的統(tǒng)一C)物質運動的多樣性和靜止的單一性的統(tǒng)一D)物質運動的絕對性和靜止的相對性的統(tǒng)一[單選題]39.我國的股票市場包括主板市場和（）。A)二板市場B)中小企業(yè)板市場C)B股市場D)創(chuàng)業(yè)板市場[單選題]40.資料：Everyoneknowsairlinepricingisbasedonsupplyanddemand.FaresaremoreexpensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropeancapitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandforRomemustbehigherorsupplylower.What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylowerpricefortheexactsameflightifyouagreetogoontoanotherdestination.TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlytoRomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.Comparethatto$903foraround-trip,economytickettoMilan（stoppinginRome）leavingJFKontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflytoRomefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflighttoMilan?Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravelandchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketissegmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.（Theyalsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourageyoutoflydirect.）Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscan'tbetransferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthefreemarket,shouldn'tcustomersbeallowedtodothesamething?Whymaypricesfordirectflightsbehigheraccordingtothepassage?A)Becauseallpeopleprefertheshortestroutetotheirdestination.B)Becauseairlinestakeadvantageofpeople?spreferencefordirectflights.C)Becauseconnectingflightsmaycausesomeinconvenience.D)Becauseairlineschargecustomersdifferentpricesforthesameproduct.[單選題]41.現有一列數據，它們是4，4，5，3，5，5，2．這列數據的平均數、眾數和全距依次是（）。A)4，4，2B)4，5，3C)5，4，4D)5，5，1[單選題]42.2011年中央財政用于?三農?的投人擬安排（）億元，繼續(xù)增加對農民的生產補貼。A)1304.8B)1314.8C)8884.5D)9884.5[單選題]43.貨幣當局降低再貼現率會導致()。A)貨幣供給增加B)貨幣供給減少C)貨幣需求增加D)貨幣需求減少[單選題]44.世界上最早記載太陽黑子現象的書是（）。A)《關于托勒密和哥白尼兩大世界體系的對話》B)《天體運行論》C)《漢書?五行志》D)《唐書?五行志》[單選題]45.在Word中，若要將頁碼作為頁眉/頁腳編輯狀態(tài)的一部分插人到文檔中，應依次選擇（）。A)?開始??頁眉??頁碼?B)?插入??頁眉頁碼?C)?引用?格式頁碼?D)?插入??表格頁碼?[單選題]46.流動資產是指可以在（）變現或耗用的資產，包括現金和各種存款、短期投資、應收及預收款項、存貨。A)一年內B)一年或超過一年的一個營業(yè)周期內C)一個營業(yè)周期內D)一年或超過一年的一個營業(yè)周期以上[單選題]47.秦九韶是我國古代著名的數學家，下列屬于其作品的是（）。A)《海島算經》B)《數書九章》C)《五曹算經》D)《緝古算經》[單選題]48.引起無罪過事件發(fā)生的原因是（）。A)故意損害B)過失損害C)不可抗力或未能預見D)無意損害[單選題]49.商業(yè)銀行向客戶提供財務分析與規(guī)劃、投資建議、個人投資產品推介等專業(yè)化的服務為（）。A)私人銀行業(yè)務B)綜合理財服務C)財務顧問業(yè)務D)理財計劃[單選題]50.WiththeU.S.governmentamassinggrowingamountsof______everyyear，itneedsthemoneythatforeigninvestorsoffer.A)currencyB)costC)paymentD)debt[單選題]51.以縱軸代表價格、橫軸代表產量繪制某種農產品的需求曲線和供給曲線。假設其他條件不變，當生產成本上升時，在坐標圖上就表現為這種農產品的（）。A)供給曲線將向左移動B)需求曲線將向左移動C)需求曲線將向右移動D)供給曲線將向右移動[單選題]52.Forthousandsofyearspeoplecommunicated___littlemorethanwords,stonetablets,andsmokesignals.A)touseB)usedC)useD)using[單選題]53.下列四個不同數字表示的數中，數值最大的是（）。A)二進制數11011101B)八進制數334C)十進制數219D)十六進制數DA[單選題]54.衡量一個社會生產力發(fā)展水平的客觀尺度是（）。A)生產工具B)勞動者素質C)科學技術D)管理水平[單選題]55.英國工業(yè)革命開始于（）。A)1871年B)1789年C)1775年D)1765年[單選題]56.金融自由化與金融監(jiān)管的關系是（）。A)金融自由化就不應再有金融監(jiān)管B)金融自由化與金融監(jiān)管完全沒有矛盾C)要加強金融監(jiān)管，就不能有金融自由化D)金融自由化并不否認金融監(jiān)管[單選題]57.（）是黨執(zhí)政興國的第一要務。A)發(fā)展B)以經濟建設為中心C)堅持改革開放D)處理好三農建設[單選題]58.下列關于我國的公司債說法錯誤的是（）。A)公司債的風險與公司本身的經營狀況直接相關，風險比國債要高B)我國的公司債范圍是廣義上的，包括了企業(yè)債與金融債C)我國公司債的發(fā)行和交易依據《公司法》與《證券法》有關規(guī)定D)我國公司債發(fā)行和交易的監(jiān)管機構為證監(jiān)會[單選題]59.商業(yè)銀行最主要的資金來源是（）。A)存款B)貸款利息C)投資收益D)手續(xù)費收入[單選題]60.監(jiān)管人員到商業(yè)銀行約見高級管理人員，要求其就業(yè)務活動和風險管理的重大事項進行說明，這種監(jiān)管方式是（）。A)市場準入B)監(jiān)管談話C)非現場監(jiān)管D)現場檢査[單選題]61.我國公開市場業(yè)務的操作對象主要是()A)股票B)基金C)債券D)國債[單選題]62.我國刑法規(guī)定在我國領域內的犯罪是指（）。A)受害人居住地在我國領域內B)犯罪人居住在我國領域內C)犯罪行為或者結果有一項發(fā)生在我國領域內D)受害人與犯罪人均居住在我國領域內[單選題]63.馬歇爾認為，需求價格是由（）決定的。A)邊際成本B)邊際生產力C)邊際效應D)邊際生產率[單選題]64.現有按年收益率10%，每年付息一次的100元債券，期限5年。根據上述材料，回答下列問題：當市場利率為11%時，債券應當（）發(fā)行。A)貼現B)溢價C)等價D)公募[單選題]65.一個國家或地區(qū)在一定時期內的國際收支情況，都被綜合記錄和反映在該國家或地區(qū)的（）。A)財政收支平衡表中B)信貸收支平衡表中C)財務收支平衡表中D)國際收支平衡表中[單選題]66.（），中國人民銀行批準的中資商業(yè)銀行法人對中資保險公司法人試辦由雙方協(xié)商確定利率的大額定期存款，進行了存款利率改革的初步嘗試。A)1998年10月B)1999年10月C)2000年1月D)2001年9月[單選題]67.WehavelaunchedacampaigncalledTogetherScienceCan，whichbringstogetherpeoplefromabsolutelyaroundtheworldto______forthosethingsthatwecareabout。A)standbyB)standupC)standonD)standagainst[單選題]68.Therearemanyfascinatingcases_____peopleactuallydreamtaboutthingswhichlaterhappenedtothem。A)whereB)whenC)whichD)what[單選題]69.人們常說，兩害相權取其輕，兩利相權取其重。這個說法啟示我們在處理和解決問題時要注意（）。A)整體與部分的辯證關系B)分清主流和支流C)量變與質變的辯證關系D)矛盾的同一性和斗爭性[單選題]70.IknewalmosteveryoneIneededtoknownomatterwhetherthey______goodnessorbadness.A)provedB)boastedC)hidD)exhibited[單選題]71.根據我國法律規(guī)定，我國貨幣政策目標是（）。A)保持貨幣幣值穩(wěn)定，并以此促進經濟增長B)調控貨幣供應，促進經濟社會發(fā)展C)提高貨幣使用效率，改善民眾生活D)加強人民幣流動管理，促進人民幣的國際流通[單選題]72.某縣為壯族自治縣，依照《憲法》該縣人大常委會主任或者副主任人選應當符合下列哪一項規(guī)定?（）A)由壯族的公民擔任主任B)由壯族的公民擔任副主任C)主任必須由壯族的公民擔任．其他民族的公民可以擔任副主任D)主任和副主任中有壯族公民即可[單選題]73.Evenifyoudon?tactuallycarryoutalltheactionsyousayyouwilltake,honeststudentswillappreciateknowingthatyoucareenoughaboutacademic______totakeprecautions.A)entiretyB)integrityC)unityD)reliability[單選題]74.如果報表上有關項目的名稱或金額受到限制或需要簡要補充說明時，可直接采用（）。A)底注B)旁注C)底表D)側表[單選題]75.我國商業(yè)銀行的核心資本包括（）。A)實收資本、重估資本、未分配利潤、長期次級債券B)實收資本、資本公積、未分配利潤、各項損失準備C)實收資本、資本盈余、重估資本、未分配利潤D)實收資本、資本公積、盈余公積、未分配利潤[單選題]76.關于信用卡消費的特點，錯誤的是（）。A)循環(huán)信用額度B)一定要有資金用途C)一般有最低還款額要求D)不能用于通存通兌、代收代付、額度體現[單選題]77.2012年6月27日，中國宣布在南海地區(qū)對外開放九個海上區(qū)塊，供與外國公司合作勘探開發(fā)。此外，海南省宣布將西沙群島的四個區(qū)域劃定為文化遺產保護區(qū)。這些決定聯同設立三沙市構成了中國加強在南海地區(qū)維護主權的?組合行動?。中國在南海問題上的一貫主張是（）。A)使南海問題長期化B)推動南海問題國際化C)擱置爭議，共同開發(fā)D)建立?南海和平自由友誼合作區(qū)?[單選題]78.在Excel電子表格中，要在單元格中強制換行，應執(zhí)行的操作是（）。A)按回車鍵B)Alt+回車鍵C)Ctr1+回車鍵D)Shift+回車鍵[單選題]79.平均利潤率的形成是（）。A)無數資本家追逐超額利潤的結果B)同一部門資本家之間競爭的結果C)資本有機構成平均化的結果D)不同部門的資本家之間競爭的結果[單選題]80.Thepropertywillbeshownby______onlyinanefforttoseparatethefansfromtheseriousbuyers，becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact。A)interestB)interviewC)applicationD)appointment[單選題]81.企業(yè)會計核算必須符合國家的統(tǒng)一規(guī)定，這是為了滿足（）要求。A)一貫性原則B)重要性原則C)可比性原則D)客觀性原則[單選題]82.貨幣政策的最終目標是穩(wěn)定物價、充分就業(yè)、促進經濟增長和平衡國際收支。其中關于充分就業(yè)的正確說法是（）。A)社會勞動者100％就業(yè)B)所有有能力的勞動力都能隨時找到任何條件的工作C)存在摩擦性失業(yè)，但不存在自愿失業(yè)D)存在摩擦性失業(yè)和自愿失業(yè)[單選題]83.關于硬盤的敘述中，下列選項錯誤的是（）。A)硬盤讀寫速度比光盤慢B)個人計算機硬盤以IDE接口和SATA接口為主C)硬盤存儲容量大D)硬盤存儲器系統(tǒng)由硬盤機、硬盤控制適配器組成[單選題]84.組織結構三要素不包括（）。A)虛擬化B)規(guī)范化C)集權化D)復雜化[單選題]85.資料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedintoreverse,accordingtoastudybyDr.HarrisCooper,professorofpsychologyattheUniversityofMissouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummervacation,they'velostonetothreemonthsworthoflearning.Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunitiestopracticereadingthanmath.Thestudyalsofoundthatincomehasanimpactonhowmuchastudentlosesorgainsinreading.Middle-classchildrenactuallygainedinreadingoverthesummer,whilelower-incomestudentsexperiencedlosses.Cooperattributesthistotheenrichmentactivitiesthatmanymiddle-classkidsparticipateinoverthesummer,suchascampandtrips.Yourkidsdon'thavetospendthesummerstuckinreverse."Parentscanhelptheirkidsretaineducationalskills,"saysCooper.Hesuggeststhefollowingfivetipstokickoffalearning-filledsummer.1.Keeplotsofbooksaroundandmakeregulartripstothelibrary.Mostlibrariesschedulespecialsummereventsforkids.Signupyourfamily!2.Thinkaboutwhatyourkidsmaybelearningnextyearwhenyouplanthefamilyvacation.Talkwithteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,trytodosomespecialplanningtofindmath-relatedactivities.Forexample,ifyoucan'tdecidewhethertosignyourchildupfor"Shakespeare'sTheater"or"MathMagic"atthelocalcommunitycenter,gowiththemath.4.Considersummerschoolortutoring.Strugglingkidscangetalotofdifferentkindsofhelpfromtheseprograms.Summerschoolcanalsoenrichandacceleratelearninginareaswherekidsshowaspecialinterest.5.Callthecurriculumcoordinatorinyourchild'sschooldistrict,visittheschoolboardoffice,orcontacttheschoolsofeducationatlocalcollegesanduniversitiestofindoutwhateducationalprogramswillbeofferedinyourareaoverthesummer.Remembertokeepitfun!Youdon'twanttosouryourkidsonlearningduringthesummerbreak.Whyisdeclineworseformaththanitisforreading？（）A)BecausethecommunityhavethelibrariesB)BecauseathometheparentswillmakekidsreadingmoreC)BecauseinsummervacationkidshavemoretimeinreadingD)Becausecommunityandhomegivekidsmoreopportunitiestoread[單選題]86.《憲法》規(guī)定，（）是中華人民共和國的根本制度。A)人民民主專政制度B)社會主義制度C)無產階級專政制度D)有中國特色的社會主義制度[單選題]87.資料：Whenweseewell，wedonotthinkaboutoureyesveryoften.Itisonlywhenwecannotseeperfectlythatwerealizehowimportantoureyesare.Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes，Everythingelseseemsblurry（=unclear）.Manypeoplewhodoalotofwork，suchaswriting，readingandsewingbecomenear-sighted.Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefaraway，buttheyhavedifficultyinreadingabookunlesstheyholditatarm?slength.Iftheywanttodomuchreading，theymustgetglasses，too.Otherpeopledonotseeclearlybecausetheireyesarenotexactlytherightshape.Theyhavewhatiscalledastigmatism.This，too，canbecorrectedbyglasses.Somepeople?seyesbecomecloudybecauseofcataracts.Longagothesepeopleoftenbecameblind.Now，however，itispossibletooperateonthecataractsandremovethem.Havingtwogoodeyesisimportantforjudgingdistances.Eacheyeseesthingsfromaslightlydifferentangle.Toprovethistoyourself，lookatanobjectoutofoneeye；Thenlookatthesameobjectoutofyourothereye.Youwillfindtheobject?srelationtothebackgroundandotherthingsaroundithaschanged.Thedifferencebetweenthesetwodifferenteyeviewshelpsustojudgehowfarawayanobjectis.Peoplewhohaveonlyoneeyecannotjudgedistanceaspeoplewithtwoeyes.Peoplewhosufferfromastigmatismhave______.A)adifficultythatcanbecorrectedbyanoperationB)eyesthatarenotexactlytherightshapeC)aneyedifficultythatcannotbecorrectedbyglassesD)oneeyebiggerthantheother[單選題]88.在Windows的?我的電腦?窗口中，若已選定了文件或文件夾，為了設置其屬性，可以打開?屬性?對話框的操作是（）。A)用鼠標右鍵單擊?文件?菜單中的?屬性?命令B)用鼠標右鍵單擊該文件，然后在彈出的快捷菜單中選中?屬性?項C)用鼠標右鍵單擊?任務欄?中的空白處，在快捷菜單中選中?屬性?項D)用鼠標右鍵單擊?查看?菜單中的?工具欄?下的?屬性?圖標[單選題]89.資料：EarlyExperiencesIfyou'vecommunicatedapositiveinitialimpressionandcustomersdecidetoexploreyourproduct,cantheydiscoverthefeaturesandfunctionsthathelpgetthemuptospeed?Doesyourinterfaceprovideclear,streamlinedpathsfreeofunnecessaryinstructions,distractingvisualelements,orunneededfeaturesorfunctionality?Finally,howwelldoesyourproducthelpcustomersgetthebenefitstheywant,orevenleadthemtobenefitstheywereunawareof?Testinghelpsdetermineifcustomersfindtheterminologyclearandjargon-free;whetherthepageandcontentisorganizedlogicallyfromtheirperspective;ifprocesses-suchasregistration,checkoutorupgrading-areefficientandeasytouse;andifit'sclearhowtocancelaprocessornavigatetoaspecificfunctionorlocation.MaturityOvertime,discoveringshortcutsandadvancedfunctionalitywillhelpmaturecustomersdotheirjobsmorequickly.You'llwanttotesthowtheseoptionsarecommunicatedandensurethattheyaddresstheneedsofthesecustomerswithoutimpactingtheexperienceofothercustomers.Unlessyoutestwithactualusers,yourproductteamwon'tgetatrueperspectiveaboutwhatyourproductisliketousebythepeoplewhomattermosttheusersthemselves.Thismayseemobvious,butinmanyorganizations,approximatecustomers-suchassalespeople-aresometimesusedtoreviewproducts.Afterall,theyhavealotofcustomercontact.Butsalespeopledon'thavethesamemotivationsor