銀行招聘考試綜合知識(shí)(習(xí)題卷32)

試卷科目：銀行招聘考試綜合知識(shí)銀行招聘考試綜合知識(shí)(習(xí)題卷32)PAGE"pagenumber"pagenumber/SECTIONPAGES"numberofpages"numberofpages銀行招聘考試綜合知識(shí)第1部分：?jiǎn)雾?xiàng)選擇題，共65題，每題只有一個(gè)正確答案,多選或少選均不得分。[單選題]1.當(dāng)事人約定由第三人向債權(quán)人履行債務(wù)的，若第三人不履行債務(wù)，則（）。A)第三人應(yīng)當(dāng)向債權(quán)人承擔(dān)違約責(zé)任B)債務(wù)人應(yīng)向債權(quán)人承擔(dān)違約責(zé)任C)債務(wù)人和第三人應(yīng)當(dāng)承擔(dān)連帶責(zé)任D)債務(wù)人和第三人應(yīng)當(dāng)按過錯(cuò)大小向債權(quán)人承擔(dān)違約責(zé)任答案:B解析:《合同法》第121條規(guī)定：?當(dāng)事人一方因第三人的原因造成違約的，應(yīng)當(dāng)向?qū)Ψ匠袚?dān)違約責(zé)任。當(dāng)事人一方和第三人之間的糾紛，依照法律規(guī)定或者按照約定解決。?據(jù)此，當(dāng)事人約定由第三人向債權(quán)人履行債務(wù)的，若第三人不履行債務(wù)，債務(wù)人應(yīng)向債權(quán)人承擔(dān)違約責(zé)任。債務(wù)人在承擔(dān)違約責(zé)任后，有權(quán)向第三人追償。這是合同相對(duì)性原則的體現(xiàn)。[單選題]2.網(wǎng)絡(luò)的（）稱為拓?fù)浣Y(jié)構(gòu)。A)接入的計(jì)算機(jī)多少B)物理連接的構(gòu)型C)物理介質(zhì)種類D)接入的計(jì)算機(jī)距離答案:B解析:計(jì)算機(jī)網(wǎng)絡(luò)拓?fù)涫侵妇W(wǎng)絡(luò)中節(jié)點(diǎn)和通信線路之間的排列形式所形成的拓?fù)浣Y(jié)構(gòu)。[單選題]3.市場(chǎng)按（）標(biāo)準(zhǔn)劃分為實(shí)物商品市場(chǎng)、勞動(dòng)力市場(chǎng)、金融市場(chǎng)、技術(shù)市場(chǎng)、信息市場(chǎng)。A)空間結(jié)構(gòu)B)層次結(jié)構(gòu)C)競(jìng)爭(zhēng)結(jié)構(gòu)D)商品結(jié)構(gòu)答案:D解析:[單選題]4.資料：Changingcareersisbecomingmorepopular.Notjustbecausetherearemorecareeroptionsavailable,butalsooutofnecessity.Asnewindustriesarise,othersdie.It'suptoyoutofigureoutifyourcareerisstillgoingtobearoundinthenext5-10years.Somestudiessaywecouldhaveasmanyasninecareersinourprofessionallifetime.Whichbegsthequestion:doyouknowwhatittakestosuccessfullychangecareerlanesrepeatedly?Switchingcareersislikechanginghighwaylanes:youmustsignal!Ifyouwanttomoveinanewcareerdirection,youneedtosignaltotheprofessionalworldyouintendtomakeachange.Youneedtodoitwithpurposeandspecificity.Itmustlookwell-thoughtoutandintentional.Otherwise,peoplewillA）notknowyouarelookingtomakethechange,andB）assumeyouaredoingitbecauseyoufailedinyourcurrentcareerinsomeway.1.Givethelogicandpassionbehindyourcareerchange.Whensignalingtoyournetworkyouwanttoswitchcareersyoumustexplainwhybothyourheadandheartarereadytochange.Perhapstherearefinancialorgeographicreasons（i.e.,youneedtorelocateormakemoremoney）.But,youmustalsoconveytheexcitementandsinceredesireyouhaveforthisnewcareer（i.e.,youwanttomakeadifferenceorworkonaparticulartypeofproblemthatneedstobesolved）.2.Buildamarketingcampaignforyourbusiness-of-one.Mostemployersprefertohirepeoplewithpreviousexperience.Thus,you'regoingtoneedawaytoconveytothemyourtransferableskillsfromyourformercareerpathwillbeequallyvaluable.Thebestwaytodothisistocreateatargetedlistofemployersyouwanttoworkforandthenstrategicallynetworkwiththeiremployees.Themoreconversationsandconnectionsyoucanhavewithinyournewcareerpath,theeasieritwillbetoconvincesomeonetohireyouinspiteofyourlackofexperience.Tosumitup…Onceyoucommittoacareerchange,thesecrettosuccessistomakesureeveryoneknowsaboutit.Otherwise,youwillstruggletochangecareerlanesefficientlyandeffectively.Whyischangingcareerbecominganecessity?A)Asnewindustriesarise,thepopularityofdifferentcareersalsochange.B)Nowadayspeopledon?tknowwhattheyreallywanttodo.C)Becausechangingcareersisbecomingmorepopular.D)Becauseonecouldhaveasmanyasninecareersinhisprofessionallifetime.答案:A解析:本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】why;changingcareer;becominganecessity【主題句】第1自然段Changingcareersisbecomingmorepopular.Notjustbecausetherearemorecareeroptionsavailable,butalsooutofnecessity.Asnewindustriesarise,othersdie.It'suptoyoutofigureoutifyourcareerisstillgoingtobearoundinthenext5-10years.改變職業(yè)正變得越來越流行，這不僅僅是因?yàn)橛懈嗟穆殬I(yè)可供選擇，而且也是需要使然。隨著新行業(yè)的興起，其他一些行業(yè)消失。你應(yīng)該弄明白你的職業(yè)在未來5-10年內(nèi)是否仍然存在。題干意為是?為什么改變職業(yè)成為需要？?選項(xiàng)A意為?隨著新興產(chǎn)業(yè)的興起，不同職業(yè)的流行度也隨之改變?；選項(xiàng)B意為?如今人們不知道他們真正想做什么?；選項(xiàng)C意為?因?yàn)楦淖兟殬I(yè)越來越受歡迎?；選項(xiàng)D意為?因?yàn)橐粋€(gè)人在職業(yè)生涯中可以有多達(dá)九個(gè)職業(yè)?。根據(jù)主題句可知，新產(chǎn)業(yè)興起，提供更多的選擇可能，故選項(xiàng)A正確。[單選題]5.以下（）是直接融資工具。A)商業(yè)票據(jù)B)銀行本票C)保險(xiǎn)單D)銀行券答案:A解析:直接融資工具包括豉府發(fā)行的國(guó)庫(kù)券、企業(yè)債券、商業(yè)票據(jù)、公司股票等。間接融資工具包括銀行債券、銀行承兌匯票、可轉(zhuǎn)讓大額存單、人壽保險(xiǎn)單等。[單選題]6.Thefirecausedalotof________tothebuildingandfactorymachinery.A)damageB)harmC)injuryD)wound答案:A解析:本題考查近義詞辨析。題目意為?火災(zāi)給建筑物和工廠的機(jī)器設(shè)備造成了巨大的損失。?各選項(xiàng)均有?傷害?之意，A項(xiàng)意為?損害，毀壞?，主要指對(duì)于物的損害，強(qiáng)調(diào)對(duì)于價(jià)值、用途、外觀等所造成的損失。B項(xiàng)意為?危害，損害，傷害?，用于肉體或精神上的傷害均可。C項(xiàng)意為?傷害，受傷?，指損害健康、成就、容貌等，強(qiáng)調(diào)功能的損失。D項(xiàng)意為?傷口，創(chuàng)傷，傷害?，指槍傷、刀傷、刺傷等皮肉之傷，是出血的、嚴(yán)重的傷，特指戰(zhàn)場(chǎng)上受傷，也可指人們精神上的創(chuàng)傷。本題目中?受傷的?主體是?建筑物和機(jī)器設(shè)備?，因此選A項(xiàng)。[單選題]7.HurricaneKatrinapassedinmyownsurroundingsandA.______manylocalresidents.A)involvedB)entailedC)panickedD)panic答案:A解析:題目意為?卡特里娜颶風(fēng)襲擊了我自己的周圍環(huán)境，并且______很多當(dāng)?shù)鼐用瘛?選項(xiàng)A意為?牽涉，使參與?；選項(xiàng)B意為?需要，使必要?；選項(xiàng)C意為?使恐慌?；選項(xiàng)D意為?使恐慌?。結(jié)合題干，這場(chǎng)颶風(fēng)波及到很多當(dāng)?shù)鼐用?，故答案A更符合題意。[單選題]8.我國(guó)對(duì)作品實(shí)行（）原則，作者在作品完成時(shí)即取得著作權(quán)，受法律保護(hù)。A)實(shí)際履行B)協(xié)作履行C)自動(dòng)保護(hù)D)先申請(qǐng)答案:C解析:根據(jù)《著作權(quán)法》第二條第一款規(guī)定，?中國(guó)公民、法人或者其他組織的作品，不論是否發(fā)表，依照本法享有著作權(quán)。?可見我國(guó)法律對(duì)作品實(shí)行自動(dòng)保護(hù)，作品完成即取得著作權(quán)。[單選題]9.2001年11月29日，全國(guó)第一家農(nóng)村股份制商業(yè)銀行在（）正式成立。A)河南省駐馬店市B)江蘇省張家港市C)浙江省寧波鄞州D)江蘇省連云港市答案:B解析:2001年11月29日，全國(guó)第一家農(nóng)村股份制商業(yè)銀行張家港市農(nóng)村商業(yè)銀行正式成立。故B選項(xiàng)正確。1979年，第一家城市信用合作社在河南省駐馬店市成立。2003年4月8日，我國(guó)第一家農(nóng)村合作銀行寧波鄞州農(nóng)村合作銀行正式掛牌成立。[單選題]10.資料：?Iwouldn?tbeheretodayifnotforthegenerosityofstrangers,?saidMichaelMoritz,whileannouncingamajordonationtoOxfordUniversity.AformerTimeMagazinereporter,Mr.MoritzleftjournalismtobecomeoneofthemostsuccessfulventurecapitalistsinSiliconValley.ThroughSequoiaCapital,thefirmhejoinedin1986andhasledformanyyears,Mr.MoritzwasanearlyinvestorinGoogle,Yahoo,PayPalandLinkedIn.Hispersonalfortuneisestimatedatwellover$1billion.OxfordUniversityannouncedlastWednesdaythatheandhiswife,thenovelistHarrietHeyman,donated￡75million,or$115million,tofundanewscholarshipprogramaimedatprovidingfinancialaidtostudentsfromlow-incomebackgrounds.Behindtheheadlinesaboutthesizeofthegiftwasafamilystoryofimmigration,educationandasenseofobligationthattranscendedgenerations.?IgrewupinCardiff,wenttoanordinarycomprehensiveschool,andwastheonlypupilinmyyeartogotoOxbridge,?Mr.Moritzexplained.?MyfatherwaspluckedasateenagerfromNaziGermanyandwasabletoattendaverygoodschoolinLondononascholarship.?Inaninterviewafterward,Mr.Moritzsaidthathisfather,Alfred,hadgrownupinMunich,wherehisfatherwasajudgewholosthispostwhentheNaziscametopower.Mr.Moritz?smother,Doris,waspartofthekindertransport,arescueeffortthattookabout9,300unaccompanied,mostlyJewishchildrenfromGermany,Austria,PolandandCzechoslovakiatoBritainshortlybeforetheoutbreakofWorldWarⅡ.?Myfather?scousin,FritzUrsell,wasalsorescuedfromterriblecircumstances.WhenhecametoBritain,healsobenefitedfromscholarships,andgrewuptobecomeamemberoftheRoyalSociety,?saidMr.Moritz.?Itisalltooeasynottoremember,?saidMr.Moritz,whohasahistorymajorandtheeditorofIsis,Oxford?sstudentliterarymagazine,asanundergraduatebeforecompletinganMBAattheWhartonSchoolofUniversityofPennsylvania.InMay,Mr.Moritzannouncedthathehadbeendiagnosedwithararemedicalconditionwhichisincurable.Buthepreferrednottonamethedisease.?IfeltIwantedtobemypartnersandwiththepublic.ButIdidn?twanteveryghoulontheinternetfollowingme.?CharlotteAnderson,asecond-yearstudentstudyingGermanatOxfordandthefirstpersoninherfamilytogotoauniversity,saidthatanxietyabouttakingondebthadnearlykeptherfromacceptingtheofferfromtheschool.?it?sgreattothinkthatfuturestudentswhofollowmecandosowithoutthefearthatIwentthrough.?Shesaidwhileattendingthenewsconference.Askedwhethertheuniversity?scampaigntofinancestudentscholarshipsthroughprivatedonationsratherthangovernmentfundingmeantthatOxfordwasgivingupeffortstosecuremorepublicsupport,theuniversity?schancellor,ChrisPatten,aformerConservativeministertoPrimeMinisterMargaretThatcherandJohnMajor,jokedthathewas?nolongerallowedtohaveanypoliticalviews.?Accordingtothepassage,Mr.Moritz().A)graduatedfromOxfordUniversitywithanMBAdegreein1986.B)wantedtodosomethingtorepaythehelphehadoncereceived.C)showedhisinterestandtalentinventurecapitalismasajournalist.D)boughtearlystocksofGoogle,Yahoo,PayPalandLinkedIn.答案:B解析:本題考查的是細(xì)節(jié)理解。【關(guān)鍵詞】Accordingtothepassage;Mr.Moritz【主題句】第一段?Iwouldn?tbeheretodayifnotforthegenerosityofstrangers,?saidMoritz,whileannouncingamajordonationtoOxfordUniversity.（?要不是陌生人的慷慨幫助我今天不會(huì)站在這里，?莫里茨先生說。同時(shí)他宣布向牛津大學(xué)捐款。）AformerTimeMagazinereporter,Mr.MoritzleftjournalismtobecomeoneofthemostsuccessfulventurecapitalistsinSiliconValley.（莫里茨曾經(jīng)是一名《時(shí)代周刊》記者，后來離開新聞業(yè)成為硅谷最成功的風(fēng)險(xiǎn)資本家之一。）Mr.MoritzwasanearlyinvestorinGoogle,Yahoo,PayPalandLinkedIn.（莫里茨之前投資過Google,Yahoo,PayPal和LinkedIn）。第二段Mr.Moritzexplained.?MyfatherwaspluckedasateenagerfromNaziGermanyandwasabletoattendaverygoodschoolinLondononaScholarship.?（莫里茨解釋說。?我父親十幾歲時(shí)被納粹德國(guó)選中，在倫敦憑借獎(jiǎng)學(xué)金上了一所非常好的學(xué)校。?）Myfather?scousin,FritzUrsell,wasalsorescuedfromterriblecircumstances.WhenhecametoBritain,healsobenefitedfromscholarships,andgrewuptobecomeamemberoftheRoyalSociety,?saidMr.Moritz.?父親的表親,FritzUrsell也從可怕的情況下被救出。當(dāng)他來到英國(guó)的時(shí)候,他也受益于獎(jiǎng)學(xué)金,并且長(zhǎng)大后成為英國(guó)皇家學(xué)會(huì)的一員,?莫里茨先生說。）第三段Mr.Moritz…asanundergraduatebeforecompletinganMBAattheWhartonSchoolofUniversityofPennsylvania.（莫里茨先生在完成賓夕法尼亞沃頓商學(xué)院MBA課程前，曾是一名肄業(yè)生。）本題問?根據(jù)文章，莫里茨先生（）?。選項(xiàng)A意為?1986年畢業(yè)于牛津大學(xué)，獲工商管理碩士學(xué)位?；選項(xiàng)B意為?想要做些事來償還他曾經(jīng)收到的幫助?；選項(xiàng)C意為?作為記者的時(shí)候，就展示出他從事風(fēng)險(xiǎn)投資主義的興趣和才能?；選項(xiàng)D意為?購(gòu)買谷歌，雅虎，PayPal和LinkedIn的早期股票?。根據(jù)文章主題句的內(nèi)容可知：A項(xiàng)莫里茨先生不是畢業(yè)于牛津大學(xué)，而是沃頓商學(xué)院。C項(xiàng)未提及。D項(xiàng)不是購(gòu)買，是投資。B項(xiàng)因其家人獲得陌生人幫助得以完成學(xué)業(yè)，故設(shè)立獎(jiǎng)學(xué)金，幫助和他一樣需要幫助的人。[單選題]11.西方流傳的《帝國(guó)亡于鐵釘》一書中有一首民謠寫道：?鐵釘缺，馬蹄裂；馬蹄裂，戰(zhàn)馬蹶；戰(zhàn)馬蹶，騎士跌;騎士跌，軍團(tuán)削；軍團(tuán)削，戰(zhàn)士折；戰(zhàn)士折，帝國(guó)滅。?馬蹄鐵上一個(gè)釘子的脫落和丟失，本是初始條件下的十分微小的事物，是一個(gè)細(xì)節(jié)。我們誰(shuí)也不會(huì)誤解為一個(gè)馬蹄上的鐵釘?shù)拿撀鋾?huì)使一個(gè)帝國(guó)滅亡，但我們可以認(rèn)定，一些看上去微不足道的細(xì)節(jié)，其長(zhǎng)期的、持續(xù)的、連鎖的、未來的效應(yīng)卻事關(guān)一個(gè)帝國(guó)的存亡。這段文字說明的是（）。A)細(xì)節(jié)的放大效應(yīng)B)細(xì)節(jié)的預(yù)測(cè)功能C)成大事者不是不拘小節(jié)D)質(zhì)量效應(yīng)答案:A解析:細(xì)節(jié)的放大效應(yīng)通常有兩種表現(xiàn)方式：一是各種因素相互作用而導(dǎo)致結(jié)構(gòu)性放大效應(yīng)；二是細(xì)節(jié)的累加而導(dǎo)致累積性放大效應(yīng)。題干所述材料對(duì)細(xì)節(jié)的放大效應(yīng)作了非常形象的說明，充分顯示了鐵定與馬蹄、戰(zhàn)馬、騎士等因素之間的相互作用而導(dǎo)致最后整個(gè)帝國(guó)滅亡的嚴(yán)重后果。故本題答案為A。[單選題]12.發(fā)行價(jià)格低于金融工具的票面金額稱作（）。A)溢價(jià)B)平價(jià)C)折價(jià)D)競(jìng)價(jià)答案:C解析:反之為溢價(jià)發(fā)行。[單選題]13.在中國(guó)近代，主動(dòng)了解西方文化，并編寫《海國(guó)圖志》一書的人是（）。A)魏源B)林則徐C)龔自珍D)徐光啟答案:A解析:《海國(guó)圖志》是魏源受林則徐囑托而編著的一部世界地理歷史知識(shí)的綜合性圖書。故本題答案選A。[單選題]14.上海某工廠向廣州某公司購(gòu)買一批物品，合同對(duì)付款地點(diǎn)和交貨期限沒有約定，發(fā)生爭(zhēng)議時(shí)，依據(jù)《合同法》的規(guī)定（）。A)上海某工廠付款給廣州某公司應(yīng)在上海履行B)上海某工廠可以隨時(shí)請(qǐng)求廣州某公司交貨，對(duì)方必須接受C)上海某工廠付款給廣州某公司應(yīng)在廣州履行D)廣州某公司可以隨時(shí)交貨給上海某工廠，對(duì)方必須接受答案:C解析:根據(jù)《合同法》第62條第三、四款的規(guī)定，合同履行地點(diǎn)不明確，給付貨幣的，在接受貨幣一方所在地履行；交付不動(dòng)產(chǎn)的，在不動(dòng)產(chǎn)所在地履行；其他標(biāo)的，在履行義務(wù)一方所在地履行。履行期限不明確的，債務(wù)人可以隨時(shí)履行，債權(quán)人也可以隨時(shí)要求履行，但應(yīng)當(dāng)給對(duì)方必要的準(zhǔn)備時(shí)間。本題選C。[單選題]15.資料：To：SherryLintonFrom：MelanieJuryDate：15JulySubject：PurchaseordersPleasenotethatapurchaseorder（copyattached）mustbecompletedforallpurchasesover50USD.CompletepurchaseordersshouldbepassedtoChristineHantketoagreetermsofpaymentwiththesupplier,andthensenttotheManchesterofficeforfinalapproval.Purchaseordersunder50USDcanbepaidforfromthepettycashaccount.Manythanksforyourco-operation.MJWhichofthefollowingisNOTastepthatshouldbecompletedbeforemakingapurchaseover50USD?A)GettingtheapprovalfromtheManchesteroffice.B)PassingtheordertoChristineHantke.C)Usingthepettycashaccount.D)Completingapurchaseorder.答案:C解析:本題的問題是?下列哪一項(xiàng)不是采購(gòu)超過50美元的物品前應(yīng)該完成的步驟？?選項(xiàng)A意為?獲得曼徹斯特辦事處的批準(zhǔn)?；選項(xiàng)B意為?將訂單交給ChristineHantke?；選項(xiàng)C意為?使用小額現(xiàn)金賬戶?；選項(xiàng)D意為?完成采購(gòu)訂單?。根據(jù)主題句可知，A、B、D三個(gè)選項(xiàng)均有涉及，選項(xiàng)C?使用零用現(xiàn)金賬戶?是支付50美元以下的采購(gòu)物品的，故符合題意。[單選題]16.1KB是（）字節(jié)。A)1000B)1024C)2500D)256答案:B解析:[單選題]17.對(duì)于基準(zhǔn)利率，2004年10月29日，中國(guó)人民銀行決定放開（）。A)上浮存款利率B)存款利率下限C)下浮貸款利率D)貸款利率下限答案:B解析:2004年10月29日，中國(guó)人民銀行決定放開人民幣存款利率的下限，允許金融機(jī)構(gòu)下浮存款利率，故A選項(xiàng)不正確，B選項(xiàng)正確。2004年10月29日，中國(guó)人民銀行決定放開人民幣貸款利率的上限，允許金融機(jī)構(gòu)（城鄉(xiāng)信用社除外）上浮貸款利率，故CD選項(xiàng)不正確。[單選題]18.資料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothecontrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthatpromotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoinaconstructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonislistening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwassaid,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlisteningwasconsistentlyseenasatwo-waydialog,ratherthanaone-way?speakerversushearer?interaction.Thebestconversationswereactive.Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmadetheconversationapositiveexperiencefortheotherparty.whichdoesn'thappenwhenthelistenerispassive（or,forthatmatter,critical!）Goodlistenersmadetheotherpersonfeelsupportedandconveyedconfidenceinthem.Goodlisteningwascharacterizedbythecreationofasafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowedsmoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheothermade.Bycontrast,poorlistenerswereseenascompetitive-aslisteningonlytoidentifyerrorsinreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmightmakeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmaychallengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristryingtohelp,notwantingtowinanargumentWhenalistenerasksconstructivequestions,itmeans____.A)Hewantstochallengethespeaker.B)Heisgettingboredofnodding.C)Heislisteningcarefully.D)Hewantstomakethedialogstop.答案:C解析:本題考查細(xì)節(jié)理解。【關(guān)鍵詞】askconstructivequestions【主題句】第1段butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwassaid,butthattheycomprehendeditwellenoughtowantadditionalinformation.但問出一個(gè)好的問題卻能使說話者知道傾聽者不僅僅聽到了他們所說的，還真正理解了并需要更多額外的信息。題目意為?當(dāng)一個(gè)聆聽者提出建設(shè)性問題時(shí)，這意味著……？?選項(xiàng)A意為?他想挑戰(zhàn)演說者?，選項(xiàng)B意為?他厭煩一直點(diǎn)頭?，選項(xiàng)C意為?他在很認(rèn)真地聽?，選項(xiàng)D意為?他想讓對(duì)話停下來?。根據(jù)主題句，C選項(xiàng)正確。[單選題]19.下列不屬于銀行業(yè)金融機(jī)構(gòu)的是（）。A)中國(guó)銀行B)民生銀行C)中國(guó)人民銀行D)中國(guó)進(jìn)出口銀行答案:C解析:中國(guó)人民銀行（簡(jiǎn)稱央行或人行）是中華人民共和國(guó)的中央銀行，中華人民共和國(guó)國(guó)務(wù)院組成部門之一，不承擔(dān)具體銀行業(yè)務(wù)。[單選題]20.Thetitlepageidentifiestheairplanemodelinairline______themanualwasprepared.A)toB)forC)whichD)forwhich答案:D解析:本題考察定語(yǔ)從句，題目意為?標(biāo)題頁(yè)標(biāo)識(shí)航空公司的飛機(jī)模型，手冊(cè)就是為其準(zhǔn)備的。?句子的正確形式是Themanualwaspreparedfor（which）titlepageidentifiestheairplanemodelinairline.固定搭配bepreparedfor,which引導(dǎo)定語(yǔ)從句?？键c(diǎn)定語(yǔ)從句[單選題]21.資料：Inafamilywheretherolesofmenandwomenarenotsharplyseparatedandwheremanyhouseholdtasksaresharedtoagreaterorlesserextent,notionsofmalesuperiorityarehardtomaintain.Thepatternofsharingintasksandindecisionsmakesforequality,andthisinturnleadstofurthersharing.Insuchahome,thegrowingboyandgirllearntoacceptthatequalitymoreeasilythandidtheirparentsandtopreparemorefullyforparticipationinaworldcharacterizedbycooperationratherthanbythebattleofthesexes.Iftheprocessgoestoofarandman'sroleisregardedaslessimportant-andthathashappenedinsomecases-weareasbadlyofasbefore,onlyinreverse.ItistimetoreassesstheroleofthemanintheAmericanfamily.Wearegettingalittletiredofmomism,-butwedon'twanttoexchangeitforneo-popism.Whatweneed,rather,istherecognitionthatbringingupchildreninvolvesapartnershipofequals.Therearesignsthatpsychologists,socialworkers,andspecialistsonthefamilyarebecomingmoreawareofthepartmenplayandthattheyhavedecidedthatwomenshouldnotreceiveallthecredit-noralltheblame.Wehavealmostgivenupsayingthatawoman'splaceisthehome.Wearebeginning,however,toanalyzemen'splaceinthehomeandtoinsistthathedoeshaveaplaceinit.Noristhatplaceirrelevanttothehealthydevelopmentofthechild.Thefamilyisacooperativeenterpriseforwhichitisdifficulttolaydownrules,becauseeachfamilyneedstoworkoutitsownwaysforsolvingitsownproblems.Excessiveauthoritarianismhasunhappyconsequences,whetheritwearsskirtsortrousers,andtheidealofequalrightsandequalresponsibilitiesisconnectednotonlywithahealthydemocracy,butalsowithahealthyfamily.Fromthepassageweknowthattheauthorisveryconcernedwiththerolethat______.A)menplayinafamilyB)womenplayinafamilyC)parentsplayinbringinguptheirchildrenD)equalityplaysinafamily答案:A解析:本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】theauthor;concernedwiththerole【主題句】第3自然段Therearesignsthatpsychologists,socialworkers,andspecialistsonthefamilyarebecomingmoreawareofthepartmenplayandthattheyhavedecidedthatwomenshouldnotreceiveallthecredit-noralltheblame.Wehavealmostgivenupsayingthatawoman'splaceisthehome.Wearebeginning,however,toanalyzemen'splaceinthehomeandtoinsistthathedoeshaveaplaceinit.有跡象表明，心理學(xué)家、社會(huì)工作者和家庭問題專家越來越意識(shí)到男性在家庭中扮演的角色，他們認(rèn)為女性不應(yīng)受到所有的贊揚(yáng)和責(zé)備。我們幾乎已經(jīng)放棄了女人的位置就是家的說法。然而，我們開始分析男人在家庭中的地位，并堅(jiān)持認(rèn)為男人在家庭中占有一席之地。本題的問題是?從文章中我們知道作者非常關(guān)心____?。A選項(xiàng)?男性在家庭中扮演的角色?；B選項(xiàng)?女性在家庭中扮演的角色?；C選項(xiàng)?父母在撫養(yǎng)孩子中扮演的角色?；D選項(xiàng)?平等在家庭中扮演的角色?。根據(jù)主題句可知，作者非常關(guān)心的是男性在家庭中扮演的角色，故選A。[單選題]22.Theworldeconomydevelopsrapidly.Asaresult,longevityandlife______haveincreasedworldwide.A)expectedB)expectationC)expectingD)expectancy答案:D解析:本題考查形近詞辨析。題目意為?世界經(jīng)濟(jì)發(fā)展迅速。結(jié)果是，全世界的壽命和預(yù)期壽命都增加了。?四個(gè)選項(xiàng)都是expect的不同形式：A選項(xiàng)過去分詞，形容詞；B選項(xiàng)?期望，期待?，名詞；C選項(xiàng)現(xiàn)在分詞；D選項(xiàng)?預(yù)期，期待?，名詞。固定搭配lifeexpectancy預(yù)期壽命，平均壽命。[單選題]23.（）是我國(guó)金融體系的主體。A)保險(xiǎn)公司B)證券公司C)商業(yè)銀行D)中小金融機(jī)構(gòu)答案:C解析:在我國(guó)的金融機(jī)構(gòu)體系中，商業(yè)銀行是主體，并且以銀行信貸為主的間接融資在社會(huì)總?cè)谫Y中占主導(dǎo)地位。[單選題]24.根據(jù)管理方格理論，?鄉(xiāng)村俱樂部?領(lǐng)導(dǎo)風(fēng)格的特點(diǎn)是（）。A)管理者既不關(guān)心任務(wù)，也不關(guān)心人B)管理者既關(guān)心任務(wù)，也關(guān)心人C)管理者極端關(guān)注人D)管理者極端關(guān)注任務(wù)答案:C解析:本題考查管理方格圖。橫坐標(biāo)關(guān)心任務(wù)、縱坐標(biāo)關(guān)心人，(1，9)低關(guān)心任務(wù)、高關(guān)心人。即是?鄉(xiāng)村俱樂部?。[單選題]25.ThiswellestablishedleaderinWorldwideAviationTrainingisabletogiveyouthebest______trainingthatmeetsyourtrainingneeds，yourbudgetandyourtime.A)mostB)possibleC)kindD)better答案:B解析:本題考查近義詞辨析。題目意為?全球航空訓(xùn)練中完善的領(lǐng)導(dǎo)能夠給予你最好的合適的訓(xùn)練，來滿足你的訓(xùn)練要求、預(yù)算以及時(shí)間。?A選項(xiàng)?大部分的，多數(shù)的，最多的?，B選項(xiàng)?可能的，合理的，合適的?，C選項(xiàng)?和藹的，寬容的，令人感激的?，D選項(xiàng)?較好的?，結(jié)合題意，選項(xiàng)B符合題意。[單選題]26.現(xiàn)貨市場(chǎng)與期貨市場(chǎng)的主要區(qū)別是（）。A)金融工具期限不同B)金融工具交易階段不同C)金融工具的交易市場(chǎng)不同D)金融工具的交割階段不同答案:D解析:金融市場(chǎng)按照交割時(shí)間可分為現(xiàn)貨市場(chǎng)與期貨市場(chǎng)?，F(xiàn)貨市場(chǎng)是在成交當(dāng)日、次日或隔日等幾日內(nèi)交割；期貨市場(chǎng)是在成交后的某一約定時(shí)間交割。[單選題]27.We?vespentsomuchonadvertisements,buttheresultsarenot____.A)satisfiedB)satisfyingC)satisfyD)satisfactorily答案:B解析:本題考查同根詞辨析。題目意為?我們?cè)趶V告上花費(fèi)巨大，但收效不盡人意。?A項(xiàng)是形容詞，意為?感到滿意的?，用于形容人的感受；B項(xiàng)是形容詞，意為?令人滿意的?，用于表達(dá)事物本身的特點(diǎn)；C項(xiàng)是動(dòng)詞，意為?令人滿意?；D項(xiàng)是副詞，意為?令人滿意地?。由于空格前為be動(dòng)詞，不能后跟動(dòng)詞原形及副詞，排除C、D項(xiàng)，且主語(yǔ)是results，所以排除A項(xiàng)，B項(xiàng)符合題意。[單選題]28.對(duì)洋務(wù)派辦洋務(wù)事業(yè)的指導(dǎo)思想最先作出完整表述的人是（）。A)馮桂芬B)曾國(guó)藩C)李鴻章D)張之洞答案:A解析:馮桂芬是中國(guó)對(duì)洋務(wù)派興辦洋務(wù)事業(yè)的指導(dǎo)思想最先作出比較完整表述的第一人，他最早提出了?以中國(guó)倫常名教為原本，輔以富強(qiáng)之術(shù)?的著名論斷，且這一論斷在中國(guó)思想界產(chǎn)生了比較廣泛的影響。馮桂芳認(rèn)為可以?中學(xué)為體，西學(xué)為用?。[單選題]29.資料：Askedtonametheirfavoritecity,manyAmericanswouldselectSanFranciscowhichbeganasasmallSpanishoutpostlocatedonamagnificentbay.ThetownwaslittlemorethanavillageservingrancherswhentheUnitedStatestookpossessionofitin1846duringthewarwithMexico.SanFranciscosprangintoacityovernightbecauseofthenearbydiscoveryofgoldin1848.AgreatrushtoCaliforniatookplace.Wagontrainsploddedtheirdangerouswayacross2000milesofprairieandmountains,whilehundredsofsailingvesselsmadetheequallyhazardoustriparoundtheHorn.Thevesselsdisgorgedthousandsofpassengers--thenthecrewsdesertedtheirshipandhundredsofvesselswerelefttorotinthebay.Withintwoyears,CaliforniahadenoughpopulationtobecomeastateandSanFranciscowasformanyyearsthehubofthatnewly-arrivedpopulation.Thecity'spresentpopularityisduetoanexcellentclimate,aneasystyleofliving,goodfood,andnumeroustouristattractions.Thecityisfamousforitscablecarswhich"clangandbang"upthesteephills,andforitsexcellentseafoodstallsalongthewharf.MostvisitorsarrivingfromnationsinthePacificBasinspendseveraldaysgettingtoknowthetown.InwhichyeardidCaliforniabecomeanAmericanstate?（）1850A)1850B)1852C)1846D)1848答案:A解析:本題考查的是細(xì)節(jié)理解。【關(guān)鍵詞】year;California;becomeanAmericanstate【主題句】第2自然段SanFranciscosprangintoacityovernightbecauseofthenearbydiscoveryofgoldin1848.Withintwoyears,CaliforniahadenoughpopulationtobecomeastateandSanFranciscowasformanyyearsthehubofthatnewly-arrivedpopulation.1848年，由于在其附近發(fā)現(xiàn)了金礦，舊金山一夜之間就變成了一座城市。在兩年內(nèi)，加州有足夠的人口成為一個(gè)州，而舊金山多年來一直是新移民的中心。本題的問題是?加州在哪一年成為美國(guó)的一個(gè)州？?。根據(jù)主題句可知，1848年在舊金山附近發(fā)現(xiàn)金礦。兩年后，加州成為了一個(gè)州。因此，加州在1850年成為美國(guó)的一個(gè)州，故選A。[單選題]30.Exce1的工作表中，通常情況下列標(biāo)記是（），行標(biāo)記是（）。A)字母、數(shù)字B)數(shù)字、字母C)漢字、數(shù)字D)數(shù)字、漢字答案:A解析:Exce1中行標(biāo)使用阿拉伯?dāng)?shù)字1～65536表示，共有65536行，列標(biāo)題使用英文字母A～Ⅳ表示，共有256列。[單選題]31.農(nóng)業(yè)銀行2012年前三季度利潤(rùn)約為（）。A)1000億元B)1100億元C)1200億元D)1300億元答案:C解析:農(nóng)業(yè)銀行于2012年10月26日晚間披露2012年三季報(bào)，受益于利息凈收入增加，公司前三季度實(shí)現(xiàn)歸屬于母公司股東的凈利潤(rùn)1200.83億元，同比增長(zhǎng)19.18%，不過較上半年20.74%的增幅有所放緩。[單選題]32.企業(yè)出售、報(bào)廢、毀損等原因減少的固定資產(chǎn)，記入()科目核算。A)?固定資產(chǎn)清理?B)?營(yíng)業(yè)外收入?C)?其他業(yè)務(wù)收入?D)?資本公積?答案:A解析:?固定資產(chǎn)清理?是資產(chǎn)類賬戶，用來核算企業(yè)因出售、報(bào)廢和毀損等原因轉(zhuǎn)入清理的固定資產(chǎn)凈值以及在清理過程中所發(fā)生的清理費(fèi)用和清理收入。[單選題]33.資料：THOMASWILSON15SpringDriveSometown,WI53205Home:（555）555-5555|tw@AdministrativeAssistantFouryearsofexperienceprovidingtop-notchsupporttoVPs,directorsandmanagers●Administrative:Adeptlyhandleadministrativemattersincludingscreeningcalls,managingcalendars,planningmeeting,makingtravelarrangements,composingdocumentsandorganizingofficesforefficiency.●Communications:Interactprofessionallywithalllevelsofstaffandmaintainthehighestlevelofconfidentiality,knownfortactanddiplomacyinhandlingsensitiveissues.●Computers:Considereda"poweruser"ofMicrosoftOffice;quicklylearnandmasternewtechnology.EXPERIENCEABCCOMPANY-Sometown,ORAdministrativeAssistant,2009toPresentProvideadministrativesupporttotheinvestmentbankinggroupVPandfiveofherdepartmentdirectors.Answertelephonesandpromptlyandcourteouslyassistclientsandemployeesthroughouttheorganization.Maintaincalendars,coordinatingextensiveappointments,meetingsanddomestic/internationaltravel.●OfficeManagement:Overhauledrecordkeepingsystemfrommanualtocomputer-based,creatingauser-friendlyandsystematicinformationmanagementsystemandreducingdata-retrievaltime.●TravelLogisticsManagement:Coordinateabusytravelcalendarthatincludessixinternationalsymposiumsannually,ensuringalleventsaresuccessfullyexecuted.●CustomerRelationshipManagement:TappedintothepowerofPeopleSoftCRMAnalyticstotracktheeffectivenessofleads,marketinginitiativesandrevenues.Generatedreportsthatassisteduppermanagementwithdecisionmakingandweredistributedto200+employeesdepartmentwide.TEMPORARYAGENCYASSIGNMENTS-Sometown,ORAdministrativeAssistant,2008to2009AssignedbyDEFTemporaryAgencyandGHITemporaryAgencytoserveinadministrativesupportrolesforclientsininvestorrelations,hightech,healthcareandrealestatesectors.●HittheGroundRunning:Learnedorganizationalprocesses,policiesandprocedureswithminimalramp-uptime.SuccessfullycompletedadministrativeassignmentsforABCCo.,JKLCo.,MNOCo.andPQRCo.●ServiceFocus:Adaptedtodiverseworkstylesandconsistentlyprovidedfriendly,personableservice.●ExcellentPerformance:Offeredfull-timepositionattheconclusionoftemporaryassignmentatABCCo.EDUCATIONABCTRAININGACADEMY-Sometown,ORCertificateinOfficeManagement,2009Completed45-creditcertificateprogram.Focusedonbusinessdataprocessing,softwareapplications,basicaccounting,businesscommunicationsandbusinesslaw.WhichofthefollowingareadoesNOTincludeDEFCompany'sclients?A)MedicineB)hightechC)healthcareD)realestate答案:A解析:本題的問題是?以下哪一項(xiàng)不包含在DEF公司的客戶中?A選項(xiàng)?醫(yī)藥?；B選項(xiàng)?高科技?；C選項(xiàng)?醫(yī)療保健?；D選項(xiàng)?房地產(chǎn)?。根據(jù)題目中關(guān)鍵詞找到主題句，主題句中，B、C、D三個(gè)選項(xiàng)均有涉及，故選A。[單選題]34.1996年以后我國(guó)同業(yè)拆借市場(chǎng)利率屬于（）。A)市場(chǎng)利率B)官定利率C)公定利率D)優(yōu)惠利率答案:A解析:1996年6月1日中國(guó)人民銀行放開了銀行間同業(yè)拆借利率，為穩(wěn)步推進(jìn)利率市場(chǎng)化改革奠定了基礎(chǔ)。[單選題]35.現(xiàn)金流量表的現(xiàn)金及現(xiàn)金等價(jià)物凈增加額應(yīng)與資產(chǎn)負(fù)債表的（）相符合。A)資產(chǎn)余額改變量B)所有者權(quán)益余額改變量C)流動(dòng)資產(chǎn)余額改變量D)貨幣資金余額改變量答案:D解析:現(xiàn)金流量表的現(xiàn)金及現(xiàn)金等價(jià)物凈增加額等于資產(chǎn)負(fù)債表中的貨幣資金余額改變量。[單選題]36.中國(guó)人民銀行根據(jù)履行職責(zé)的需要，有權(quán)要求銀行業(yè)金融機(jī)構(gòu)報(bào)送必要的財(cái)務(wù)會(huì)計(jì)、統(tǒng)計(jì)報(bào)表和資料屬于中國(guó)人民銀行的()。A)現(xiàn)場(chǎng)檢查監(jiān)督權(quán)B)檢查監(jiān)督建議權(quán)C)監(jiān)管信息索取權(quán)D)監(jiān)管信息共享權(quán)答案:C解析:中國(guó)人民銀行實(shí)行金融監(jiān)管的權(quán)力包括：規(guī)章制度制定權(quán)、監(jiān)管信息索取權(quán)、現(xiàn)場(chǎng)檢查監(jiān)督權(quán)、檢查監(jiān)督建議權(quán)、監(jiān)管信息共享權(quán)、違規(guī)行為處罰權(quán)。中國(guó)人民銀行根據(jù)履行職責(zé)的需要，有權(quán)要求銀行業(yè)金融機(jī)構(gòu)報(bào)送必要的財(cái)務(wù)會(huì)計(jì)、統(tǒng)計(jì)報(bào)表和資料屬于監(jiān)管信息索取權(quán)。[單選題]37.貨幣政策的最終目標(biāo)是穩(wěn)定物價(jià)、充分就業(yè)、促進(jìn)經(jīng)濟(jì)增長(zhǎng)和平衡國(guó)際收支。其中關(guān)于充分就業(yè)的正確說法是（）。A)社會(huì)勞動(dòng)者100％就業(yè)B)所有有能力的勞動(dòng)力都能隨時(shí)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)答案:D解析:[單選題]38.資料：Procrastinationcomesinmanydisguises.Wemightresolvetotackleatask,butfindendlessreasonstodeferit.Wemightprioritizethingswecanreadilytickoffourto-dolist-answeringemails,say-whileleavingthebig,complexstuffuntouchedforanotherday.Wecanlookandfeelbusy.whileartfullyavoidingthetanksthatreallymatter.Andwhenwelookatthoserolling,longuntoucheditemsatthebottomofourto-dolist,wecan'thelpbutfeelalittledisappointedinourselves.Theproblemisourbrainsareprogrammedtoprocrastinate.Ingeneral,wealltendtostrugglewithtaskthatpromisefutureupsideinreturnforeffortswetakenow.That'sbecauseit'seasierforourbrainstoprocessconcreteratherthanabstractthings,andtheimmediatehassleisverytangiblecomparedwiththoseunknowable,uncertainfuturebenefits.Sotheshort-termefforteasilydominatesthelong-termupsideinourminds--anexampleofsomethingthatbehavioralscientistscallpresentbias.Howcanyoubecomelessmyopicaboutyourelusivetasks?It'sallaboutrebalancingthecostbenefitanalysis:makethebenefitsofactionfeelbigger,andthecostsofactionfeelsmaller.Therewardfordoingapesteringtaskneedstofeellargerthantheimmediatepainoftackingit.Tomakethebenefitsofactionfeelbiggerandmorereal:Visualizehowgreatitwillbetogetitdone.Researchershavediscoveredthatpeoplearemorelikelytosavefortheirfutureretirementifthey'reshowndigitallyagedphotographsofthemselves.Why?Becauseitmakestheirfutureselffeelmorereal-makingthefuturebenefitsofsavingalsofeelmoreweighty.Howcanyoubecomelessmyopicaboutyourelusivetasks?A)Makethecostsofactionfeelsmaller.B)Maketherewardlargerthantheimmediatepainofdoingit.C)Makethebenefitsofactionfeelbigger.D)Alltheabove.答案:D解析:本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】how;lessmyopic;elusivetasks【主題句】第3自然段Howcanyoubecomelessmyopicaboutyourelusivetasks?It?sallaboutrebalancingthecost-benefitanalysis:makethebenefitsofactionfeelbigger,andthecostsofactionfeelsmaller.Therewardfordoingapesteringtaskneedstofeellargerthantheimmediatepainoftacklingit.對(duì)于困難的任務(wù)，你怎么能少一些目光短淺？重新平衡成本效益分析很關(guān)鍵：讓行動(dòng)的好處變得更大，行動(dòng)成本更小。做困難任務(wù)的獎(jiǎng)勵(lì)需要比解決它的直接痛苦更大。選項(xiàng)A意為?讓行動(dòng)的代價(jià)變得更小?；選項(xiàng)B意為?讓獎(jiǎng)勵(lì)大于做它的直接痛苦?；選項(xiàng)C意為?讓行動(dòng)的好處感覺更大?；選項(xiàng)D意為?以上全部?。根據(jù)文章第3段的內(nèi)容（主題句），可知A、B、C項(xiàng)原文都有提及，因此該題選D，所有都涉及。[單選題]39.有關(guān)再貼現(xiàn)率的表述錯(cuò)誤的是（）。A)該利率的提高會(huì)減少商業(yè)銀行資金成本，增加盈利B)包括貼現(xiàn)率和中央銀行對(duì)商業(yè)銀行貸款的利率C)不同于隨供求變化而變化的市場(chǎng)利率D)該利率的提高會(huì)減少商業(yè)銀行貼現(xiàn)和貸款的要求，從而減少流通中的貨幣答案:A解析:再貼現(xiàn)率是指商業(yè)銀行用未到期的票據(jù)向央行進(jìn)行融資的過程。再貼現(xiàn)率提高，中央銀行扣除的利息變多，商業(yè)銀行融資成本增加，盈利減少。[單選題]40.國(guó)家開發(fā)銀行成立時(shí)的主要任務(wù)是（）。A)國(guó)家重點(diǎn)建設(shè)項(xiàng)目融資B)支持進(jìn)出口貿(mào)易融資C)農(nóng)業(yè)政策性貸款D)工商信貸和儲(chǔ)蓄業(yè)務(wù)答案:A解析:國(guó)家開發(fā)銀行于1994年3月成立，旨在向國(guó)家基礎(chǔ)設(shè)施、基礎(chǔ)產(chǎn)業(yè)、支柱產(chǎn)業(yè)的大中型基本建設(shè)和技術(shù)改造等政策性項(xiàng)目及配套工程發(fā)放貸款。[單選題]41.資料：ElizabethBlackwellwasborninEnglandin1821,andmovedtoNewYorkCitywhenshewastenyearsold.Onedayshedecidedt