2024年全國銀行招聘之銀行招聘綜合知識考試快速提分題附答案

姓名:_________________編號:_________________地區(qū):_________________省市:_________________ 密封線 姓名:_________________編號:_________________地區(qū):_________________省市:_________________ 密封線 密封線 全國銀行招聘考試重點試題精編注意事項:1.全卷采用機器閱卷，請考生注意書寫規(guī)范；考試時間為120分鐘。2.在作答前，考生請將自己的學校、姓名、班級、準考證號涂寫在試卷和答題卡規(guī)定位置。

3.部分必須使用2B鉛筆填涂;非選擇題部分必須使用黑色簽字筆書寫，字體工整，筆跡清楚。

4.請按照題號在答題卡上與題目對應的答題區(qū)域內規(guī)范作答，超出答題區(qū)域書寫的答案無效:在草稿紙、試卷上答題無效。一、選擇題

1、當外匯業(yè)務發(fā)生時，對有人民幣外匯匯率的外幣，都直接以（）為記賬單位。A.外幣B.原幣C.外幣或者原幣D.依情況而定使用何種貨幣

2、回復上級機關的詢問，使用（）。A.通報B.報告C.請示D.通知

3、資料：Evenasrichcountriesseektoridworkplacesofsubtlegenderbias,inmanydevelopingonesdiscriminationremainsovert.AccordingtotheWorldBank,womenarebarredfromcertainjobsin104countries.（1）“Genderequalityinlabourlawisassociatedwithmorewomenworkingandearningmorerelativetomen,”saysSarahIqbaloftheBank.Yetsomecountriespublishlistsofjobsdeemedtoodangerousforwomen（Russia’s456includedrivingatrainorsteeringaship）.Othersstopwomenfromworkinginentiresectors,atnightorin“morallyinappropriate”jobs（inKazakhstanwomencannotbleedorstuncattle,pigsorsmallruminants）.Infourcountrieswomencannotregisterabusiness.In18ahusbandcanstophiswifeworking.A（2）Theaimisoftentoprotectthe“weakersex”.Somelawsputwomeninthesamecategoryaschildren;theyconcernjobsseenasphysicallytough,suchasmining,constructionandmanufacturing.Othersrelatetobroadersafetyfears.InMumbai,forexample,femaleshopkeeperscannotworkaslateasmaleones.Otherlawsareintendedtoprotectcapacitytobearchildren.“Suchpoliciesoftenhavedemographicmotivations,especiallyincountrieswithlowbirthrates,”saysMsIqbal.（3）RestrictionsonnightworkoriginatedinEnglandduringtheIndustrialRevolution.BIn1948theInternationalLabourOrganisation（ILO）stillsoughttokeepwomenawayfromminesandindustrialnightwork.Spaindidnotliftrestrictionsonfemaleworkersinmining,electricityandsomeconstructionjobsuntil1995.Somebansonwomen’sworkstillinplaceinformercoloniesareremnantsofthe1960SpanishCivilCode,theNapoleonicCodeorCommonwealthlaws.（4）Somelawsareofsurprisinglyrecentorigin:Vietnam’sbanonwomendrivingtractorsof50horsepowerormorecameintoforcein2013.Butonbalance,thetrendistowardsliberalisation.InrecentyearsBulgaria,KiribatiandPolandhaveremovedallrestrictions;ColombiaandCongohavegotridofsome.Othercountrieshavechangedlawsinlightoftechnologicaladvancesthathavemademanyjobssaferandlessreliantonbruteforce,orhaveseencourtsoverturnbansasdiscriminatory.C（5）Labourshortagesarealsoleadingtochange.WhenmanymaleminersleftMarmato,inColombia,tofindbetterpayelsewhere,femalereplacementsweretolerated,eventhoughhiringthembrokethelaw.Similarly,whenmaletruckersineasternEuropeancountriesthatjoinedtheEuropeanUnionleftforwesternones,pressuretoletwomenreplacethemincreased.AndtheendofabanonwomenworkingnightsinthePhilippinesin2011wascheeredonbycall-centres,whichneedstaffduringdaytimeinAmericaandEurope.（6）Somesex-specificrestrictionsarecalledfor,saystheILO,particularlyinthecaseofpregnantandbreast-feedingwomen,forexamplewhenworkingwithchemicals.（SuchtemporaryandspecificprecautionsarenotcountedintheWorldBank’sstudy.）But,concludestheILO,blanketprotectiveprohibitionsare“increasinglyobsolete”.D（7）Whichofthefollowingisthereasonforthechangerelatedtogenderdiscriminationinjobmarket?A.SomejobsaretoodangerousforwomenB.MenarehuntinghigherpaidjobsinotherplacesC.InspecificareaswomenarepaidhigherthanmenD.Womenhavethechoiceofnotbearingchildren

4、甲、乙和丙是同一公司的同事，甲工資為8000元/月，乙工資為7200元/月，丙工資比3人工資的平均值高400元/月。問丙的工資為多少元/月？（）A.7800B.8000C.8200D.8400

5、Passage7Inarareunanimousruling,theUSSupremeCourthasoverturnedthecorruptionconvictionofaformerVirginiagovernor,RobertMcDonnell.Butitdidsowhileholdingitsnoseattheethicsofhisconduct,whichincludedacceptinggiftssuchasaRolexwatchandaFerrariAutomobilefromacompanyseekingaccesstogovernment.Thehighcourt’sdecisionsaidthejudgeinMr.McDonnell’strailfailedtotellajurythatitmustlookonlyathis“officialacts,”ortheformergovernor’sdecisionson“specific”and“unsettled”issuesrelatedtohisduties.Merelyhelpingagift-givergainaccesstootherofficials,unlessdonewithclearintenttopressurethoseofficials,isnotcorruption,thejusticesfound.Thecourtdidsuggestthatacceptingfavorsinreturnforopeningdoorsis“distasteful”and“nasty.”Butunderanti-briberylaws,proofmustbemadeofconcretebenefits,suchasapprovalofacontractorregulation.Simplyarrangingameeting,makingaphonecall,orhostinganeventisnotan“officialact.”Thecourt’srulingislegallysoundindefiningakindoffavoritismthatisnotcriminal.Electedleadersmustbeallowedtohelpsupportersdealwithbureaucraticproblemswithoutfearofprosecutionofbribery.“Thebasiccompactunderlyingrepresentativegovernment,”wroteChiefJusticeJohnRobertsforthecourt,“assumesthatpublicofficialswillhearfromtheirconstituentsandactontheirconcerns.”Buttherulingreinforcestheneedforcitizensandtheirelectedrepresentatives,notthecourts,toensureequalityofaccesstogovernment.Officialsmustnotbeallowedtoplayfavoritesinprovidinginformationorinarrangingmeetingssimplybecauseanindividualorgroupprovidesacampaigndonationorapersonalgift.Thistypeofintegrityrequireswill-enforcedlawsingovernmenttransparency,suchasrecordsofofficialmeetings,rulesonlobbying,andinformationabouteachelectedleader’ssourceofwealth.Favoritisminofficialaccesscanfanpublicperceptionsofcorruption.Butitisnotalwayscorruption.Ratherofficialsmustavoiddoublestandards,ordifferenttypesofaccessforaveragepeopleandthewealthy.Ifconnectionscanbebought,abasicpremiseofdemocraticsociety–thatallareequalintreatmentbygovernment-isundermined.Goodgovernmentrestsonanunderstandingoftheinherentworthofeachindividual.Thecourt’srulingisastepforwardinthestruggleagainstbothcorruptionandofficialfavoritism.Well-enforcedlawsingovernmenttransparencyareneededto（）.A.awakentheconscienceofofficialsB.guaranteefairplayinofficialaccessC.allowforcertainkindsoflobbyingD.inspirehopesinaveragepeople

6、對高、中、低層管理人員的技能要求是有所區(qū)別的，按三種技能在其技能組成中的比重從大到小排列，對低層管理人員的技能要求應該是（）。A.技術技能、人際技能、概念技能B.人際技能、概念技能、技術技能C.概念技能、人際技能、技術技能D.概念技能、技術技能、人際技能

7、Ihearmanyparentssayingthattheirteenagechildrenarerebellion.Iwishitwereso.Atyourageyououghttobegrowingawayfromyourparents.Youshouldbelearningtostandonyourowntwofeet.Buttakeagoodlookatthepresentrebellion.Itseemsthatteenagersarealltakingthesamewayofshowingthattheydegreewiththeirparents.Insteadofstrikingoutbravelyontheirown,mostofthemaretryingtoseizeatoneanother’shandsforsafety.Theysaytheywanttodressastheyplease.Buttheyallwearthesameclothes.Theysetoffinnewdirectionsinmusic.Butsomehowreasonforthinkingoractinginthus-and-suchawayisthatthecrowdisdoingit.Theyhavecomeoutoftheircocoon—intoalargercocoon.Ithasbecomeharderandharderforateenagertostandupagainstthepopularitywaveandtogohisorherownway.Industryhasfirmlyopenedupateenagemarket.ThesedayseveryteenagercanlearnfromnewspapersandTVwhatateenagershouldhaveandbe.Andmanyoftoday’sparentshavecometoawardhighmarksforthepopularityoftheirchildren.Allthisaddsuptogreatdifficultyfortheteenagerwhowantstofindhisorherownpath.Butthedifficultyisworthgettingover.Thepathisworthfollowing.Youmaywanttolistentoclassicalmusicinsteadofgoingtoaparty.Youmaywanttocollectrockswheneveryoneelseiscollectingrecords.Youmayhavesomethoughtsthatyoudon’tcaretoshareatoncewithyourclassmates.Well,gotoit.Findyourself.Beyourself.Popularitywillcome—withthepeoplewhorespectyouforwhoyouare.That’stheonlykindofpopularitythatreallycounts.Accordingtothewriter,manyteenagersthinktheyarebraveenoughtoactontheirown,but,infact,mostofthem（）.A.arenotsureofthemselvesB.havemuchdifficultyinunderstandingeachotherC.darenotdothingsD.areverymuchafraidofgettinglost

8、Happinessissubjective，andonethatwemaynotbeabletoaccurately______acrossallcountries.Butthatobviouslyisn’tgoingtostopanyonefromtrying。A.tryB.trackC.divideD.follow

9、某國對某種商品進15的數量或金額規(guī)定最高限額．達到限額后便不再允許進15，這種措施稱為（）。A.“自動”出口配額B.B進口許可證制C.關稅配額D.絕對配額

10、Passage7Ifyou'veeverstartedasentencewith,"IfIwereyou...."orfoundyourselfscratchingyourheadatacolleague'sagonyoveradecisionwhentheansweriscrystal-clear,there'sascientificreasonbehindit.Ourowndecision-makingabilitiescanbecomedepletedoverthecourseofthedaycausingindecisionorpoorchoices,butchoosingonbehalfofsomeoneelseisanenjoyabletaskthatdoesn'tsufferthesamepitfalls.Theproblemis"decisionfatigue,"apsychologicalphenomenonthattakesatollonthequalityofyourchoicesafteralongdayofdecisionmaking,saysEvanPolman,aleadingpsychologist.Physicianswhohavebeenonthejobforseveralhours,forexample,aremorelikelytoprescribeantibioticstopatientswhenit'sunwisetodoso."Presumablyit'sbecauseit'ssimpleandeasytowriteaprescriptionandconsiderapatientcaseclosedratherthaninvestigatefurther,"Polmansays.Butdecisionfatiguegoesawaywhenyouaremakingthedecisionforsomeoneelse.Whenpeopleimaginethemselvesasadvisersandimaginetheirownchoicesasbelongingtosomeoneelse,theyfeellesstiredandrelylessondecisionshortcutstomakethosechoices."Bytakingupontheroleofadviserratherthandecisionmaker,onedoesnotsuffertheconsequencesofdecisionfatigue,"hesays."It'sasifthere'ssomethingfunandliberatingaboutmakingsomeoneelse'schoice."Gettinginputfromothersnotonlyoffersafreshperspectiveandthoughtprocess;itoftenalsoincludesriskierchoices.Whilethissoundsundesirable,itcanbequitegood,saysPolman."Whenpeopleexperiencedecisionfatigue-whentheyaretiredofmakingchoices-theyhaveatendencytochoosetogowiththestatusquo（現狀）,"hesays."Butthestatusquocanbeproblematic,sinceachangeinthecourseofactioncansometimesbeimportantandleadtoapositiveoutcome."Inordertoachieveasuccessfuloutcomeorreward,somelevelofriskisalmostalwaysessential."Peoplewhoaresusceptibletodecisionfatiguewilllikelychoosetodonothingoversomething,"hesays,"That'snottosaythatriskisalwaysgood,butitisrelatedtotakingaction9whereasdecisionfatigueassuredlyleadstoinactionandthepossiblechagrin（懊惱）ofadecisionmakerwhomightotherwisepreferanewcoursebutisunfortunatelyhindered."Justbecauseyoucanmakegoodchoicesforothersdoesn'tmeanyou'lldothesameforyourself,Polmancautions."Researchhasfoundthatwomennegotiatehighersalariesforothersthantheydoforthemselves,"hesays,addingthatpeopleslipinandoutofdecisionroles.Whendopeoplefeellessdecisionfatigue（）A.WhentheytakedecisionshortcutsB.WhentheyhelpotherstomakedecisionsC.WhentheyhavemajordecisionstomakeD.Whentheyhaveadviserstoturnto

11、我國《刑法》對完全刑事責任年齡的規(guī)定是（）。A.14周歲B.16周歲C.18周歲D.20周歲

12、按照有關規(guī)定,我國商業(yè)銀行對中小企業(yè)貸款的利率最高和最低可分別上浮和下?。ǎ?。A.30%和15%B.30%和10%C.50%和30%D.50%和10%

13、Howquicklytheyaccomplishthistransferdependsnotonlyonhowsoontheantsagreeonthebestavailablesitebutalsoonhowquicklytheycan_____there.A.stayB.migrateC.chooseD.prefer

14、通過《關于新中國成立以來黨的若干歷史問題的決議》的中央全會是（）。A.十一屆三中全會B.十二屆三中全會C.十二屆五中全會D.十一屆六中全會

15、如果連續(xù)地增加某種生產要素，在總產量達到最大時，邊際產量曲線（）。A.與縱軸相交B.經過原點C.與平均產量曲線相交D.與橫軸相交

16、大額可轉讓定期存單最早產生于美國。美國的《Q條例》規(guī)定商業(yè)銀行對活期存款不能支付利息，定期存款不能突破一定限額。20世紀60年代，美國市場利率上漲，高于《Q條例》規(guī)定的上限，資金從商業(yè)銀行流入金融市場。為了吸引客戶，商業(yè)銀行推出可轉讓大額定期存單。購買存單的客戶隨時可以將存單在市場上變現出售。第一張大額可轉讓定期存單是1961年由美國花旗銀行發(fā)行的。這樣，客戶實際上以短期存款取得了按長期存款利率計算的利息收入?？赊D讓大額存單提高了商業(yè)銀行的競爭力，而且也提高了存款的穩(wěn)定程度。對于發(fā)行存單的銀行來說，存單到期之前,不會發(fā)生提前提取存款的問題?？赊D讓大額定期存單的出現是一種積極意義的金融創(chuàng)新。根據上述材料，回答下列問題：大額可轉讓定期存單屬于金融工具創(chuàng)新，除此以外，金融創(chuàng)新還包括金融業(yè)務創(chuàng)新等方面。下列選項中，（）是商業(yè)銀行的負債業(yè)務創(chuàng)新的主要表現。A.存款業(yè)務B.貼現業(yè)務C.貸款業(yè)務D.證券業(yè)務

17、海市蜃樓是一種自然現象，它形成的原理是光的（）。A.反射B.折射C.漫射D.散射

18、江某在某超市購買了一臺電動榨汁機，l個月后出現故障，要求超市處理。但超市“購物須知”規(guī)定：“在本超市購物有質量問題請及時解決，自購物之日起超過15日的概不退換。”超市以此為由，拒絕受理，要求江某與生產廠家聯系處理。對本糾紛的處理，下列觀點錯誤的是（）。A.超市的規(guī)定是“霸王條款”，損害消費者權益，應當無效B.超市的規(guī)定是要約，消費者的購買是承諾，雙方形成合同關系，所以規(guī)定有效C.超市的規(guī)定是格式條款，但免除了自己的責任，所以無效D.超市的規(guī)定與產品質量法的規(guī)定相抵觸.所以無效

19、資料：MemoDate:January17From:NelaPotterTo:MarketingstaffPleasereviewtheattachedbestsellerlistfromtoday’sSilvertonDaily.ThoughMarkShipley’sbookisloveonthelist,rememberthatwereleaseditonlyonJanuary2.Thereisstillanopportunityforsalestoincrease.Howcanweguaranteethatthishappens?Thislistclearlyillustratesthathealthandwellnesstitlesaregoodsellers.Ourcompetitors,suchasWaylandandBrownback,havebeenthriving.Iattributetheirsuccesstoaggressivemarketingtactics.ConsiderhowWaylandhasbeenextensivelypromotingJennaWyatt’sbook!So,forournextscheduledmeeting,Iwouldlikeeachofyoutopresentyourownoriginalidealsforgeneratingmorepublicityforourcurrentandfurtureprojects.WheredoesMs.Potterwork?A.AtWaylandBooksB.AtGreenhousePublishingC.AtSenythPublishersD.AtBrownbackGuides

20、企業(yè)提供的會計信息應當能夠反映其財務狀況、經營成果和現金流量，以滿足會計信息使用者的需要，屬于()的運用。A.相關性原則B.可比性原則C.實質重于形式原則D.客觀性原則

21、甲有一手表，委托乙保管，乙擅自將手表賣給丙，丙又贈與女友丁，丁戴上3天后在街頭被戊搶走，戊后又遺失于街頭，為庚拾得。根據《物權法》的規(guī)定，對該手表享有所有權的是（）。A.甲B.丙C.丁D.庚

22、如果在工作簿中既有工作表又有圖表，當選擇保存命令后，Excel將（）。A.只保存其中的工作表B.只保存其中的圖表C.把工作表和圖表分別保存到兩個文件中D.把工作表和圖表保存到一個文件中

23、Recently,XiangningstartedtocommunicatewithMike,thecontactpersonofMonsell.Oneday.Mikereceivedane-mailfromSophiaJones.Shewroteane-mailtoMikewhoisthecontactpersonofMonsell.SophiaJonesaskedsomeinformationaboutRegisteredEducationSavingsPlanofMonsell.Readthee-mails.Awordorphraseismissinginsomeofthesentences.Fouranswerchoicesaregivenbeloweachofthesentences.Selectthebestanswertocompletethetext.Thenselecttherightanswer.DearMike,Iamoneofthoseconcernedmotherswhobelievethateducationisthekey[1]ourchildren’sfuture.ButasfarasIknow,it’scostly-currentlyasmuchas$60,000forafouryeardegreeataCanadianuniversity.MydaughterAlisahasjustgot[2]totheUniversityofToronto.Ononehand,Iamthrilledatthisgreatnews,whileontheotherhand,Iamalittlebitworried[3]ourmoderatefinancialstatus.Asaresult,Iwritethistoaskforsuggestionsonwaystomaximizeoureducationsavings.HowmanyoptionsdoIhaveandhowdotheyworkIreallyappreciateandlookforwardtoyourearlyreply.Yourssincerely,SophiaJonesMrs.Jones,Firstly,pleasesendmysincerecongratulationstoAlisaforgettingintotheUniversityofToronto.AsfarasIcansee,ourRegisteredEducationSavingsPlan(RESP)isthe[4]waytohelpyoumaximizeyoureducationsavings.Tax-shelteredinvestmentgrowthandeligibilityforgovernmentgrantscanmakeabigcontributiontoyourchild’sfuture.Thisplanconsistsofthe[5]planandthefamilyplan.TheformeristoopenanRESPforanindividualchild,whilewithafamilyplanyoucannameoneormorechildrenasbeneficiaries.AttachedisabrochureonRESP.Pleasefeelfreetowritetomeifanyfurtherinformationisneeded.A.thankstoB.asC.accordingtoD.dueto

24、資料：ThefollowingpassageistheintroductionaboutoneoftheMonsellinternationalfinancialproducts.Accordingtothepassage,therewillbe5questions.Youshouldreadcarefully,thenselecttherightanswer.Passage:Asateenagerbetweentheageof13and18,maybeyouwouldliketomanageyourownmoneyandhaveyourownbankaccount.ThegoodnewsisthatBankofMonsellhasjustlaunchedseveralgreatsolutionsforyou.ThefirstoneistheTeenDiscountedBankPlans（TDBPS）.TDBPSfeatureadiscountof$9.95permonthonyourmonthlybankfee—that’sasavingsofupto$120peryear.It’stheprimaryandmostcommonaccountchosenbynearly45%ofourteencustomers.Ifitisnottoyourliking,maybethefollowingalternativeswhichoffermorediscountandbenefitsonyourbankaccountsareabletomeetyourdemands.InaPlusPlan,youcanhaveupto30transactionspermonthfreeofchargeonasmanyasaccountsasyouneedontheconditionthatyourPrimaryChequingAccountmustbeyourleadaccount,theoneyoudesignatetopayanyfeesrequiredbyyourBankPlan（i.e.monthlyplanfees,transactionfees）.ItincludesPrimaryChequingandupto19moreeligibleaccounts.Youcanmake30transactionseitherinbranch,byphone,online,bymobileoratanATMofBankofMonsell.Fromthe31sttransaction,afeeof$0.7pertransactionwillbecharged.APlusPlanisabletohelpsaveyouupto$288.60ayearonfees.Besides,itenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInteracte–TransferthroughitsOnlineBanking.APlusPlanofferspreferredexchangerateonlywhenbuyingU.S.cash（upto$5,000U.S.pertransaction）.InaPerformancePlan,thenumberoftransactionsisunlimitedonasmanyasaccountsasyouneed,meaningthatyoucanmakeasmanyeverydaybankingtransactionsasyouwantfreeofchargeinbranch,onlineoratanATMofBankofMonsell.Itdoesnotincludephonebankingservices.However,afeeof$4.00amonthischargedforthisservice.ItalsoincludesPrimaryChequingandupto16moreeligibleaccounts.Ithelpsyousaveupto$456.60ayearonfees.Italsoenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInterace–TransferthroughitsOnlineBanking.What’smore,onenon-bankofMonsellATMwithdrawalontheInteracnetworkpermonthisoffered.APerformancePlanofferspreferredexchangeratewhenbuyingorsellingU.S.cash（upto$5,000U.S.pertransaction）.InaPremiumPlanyoucanalsomakeunlimitedtransactionsonasmanyaccountsasyouneedatamonthlyfeeof$15.05.ItincludesPrimaryChequingandupto15moreeligibleaccounts.Theeverydaybankingtransactionsofthisplanshouldbecontrolledfewerthan40,oryouhavetopayafeeof$0.8foreverytransactionbeyond40.Ithelpssaveupto$791.95peryearonfees.What’smore,5non-bankofMonsellATMdebittransactionsontheInteracnetworkand5internationaldebittransactionsusingnon-bankofMonsellATMspermonthisincluded.However,itdoesnothavetheabilitytosendmoneygloballytoanycountryorterritoryviaInterace–TransferthroughitsOnlineBanking.APremiumPlanofferspreferredexchangerateonlywhensellingU.S.cash（upto$5,000U.S.pertransaction）.Youcanapplyforanyoftheseaccountsbyphone,onlineorinperson.Pleasefeelfreetocallusat1-870-226-5266orwriteemailstoBankofMonsellMike@orgetonourwebsiteforanyfurtherdetailsoftheseservicesandproducts.Judgingfromthetext,whoisthemostsuitablepersonforthispost?A.Lily,aprimaryschoolstudentwhohassavedabout$300incashB.Sue,asecondaryschoolstudentwhowantstoopenherownaccountC.Neil,thefatherofateenagesonaged14,whowanttoopenanaccountD.Jane,apost-graduatewhowantstomanageherownmoney

25、在財產清查中，填制的“賬存實存對比表”是（）。A.登記總賬、明細賬的直接依據B.調整賬面記錄的記賬憑證C.調整賬面記錄的原始憑證D.登記日記賬的直接依據

26、股票是（）。A.可以隨時收回的股金憑證B.投資入股和按期獲得股息收入的憑證C.一般貸款取得利息的憑證D.沒有價值不能買賣的無價證券

27、以現金購入的長期股權投資，按（）作為長期股權投資初始投資成本。A.被投資單位的所有者權益賬面價值的份額B.換出資產的賬面價值加上應支付的相關稅費C.應收債權的賬面價值D.實際支付的全部價款(包括支付的稅金、手續(xù)費等相關費用)

28、Twoyearsago,RupertMurdoch’sdaughter,Elisabeth,spokeofthe“unsettlingdearthofintegrityacrosssomanyofourinstitutions”.Integrityhadcollapsed,sheargued,becauseofacollectiveacceptancethattheonly"sortingmechanism"insocietyshouldbeprofitandthemarket.But"it'sus,humanbeings,wethepeoplewhocreatethesocietywewant,notprofit".Drivingherpointhome,shecontinued:“It’sincreasinglyapparentthattheabsenceofpurpose,ofamorallanguagewithingovernment,mediaorbusinesscouldbecomeoneofthemostdangerousgoalsforcapitalismandfreedom.”ThissameabsenceofmoralpurposewaswoundingcompaniessuchasNewsInternational,shethought,makingitmorelikelythatitwouldloseitswayasithadwithwidespreadillegaltelephonehacking.Asthehackingtrialconcludes-findingguiltyoneex-editoroftheNewsoftheWorld,AndyCoulson,forconspiringtohackphones,andfindinghispredecessor,RebekahBrooks,innocentofthesamecharge-thewiderissueofdearthofintegritystillstands.Journalistsareknowntohavehackedthephonesofupto5,500people.Thisishackingonanindustrialscale,aswasacknowledgedbyGlennMulcaire,themanhiredbytheNewsoftheWorldin2001tobethepointpersonforphonehacking.Othersawaittrial.Thissagastillunfolds.Inmanyrespects,thedearthofmoralpurposeframesnotonlythefactofsuchwidespreadphonehackingbutthetermsonwhichthetrialtookplace.OneoftheastonishingrevelationswashowlittleRebekahBrooksknewofwhatwentoninhernewsroom,howlittleshethoughttoaskandthefactthatsheneverinquiredhowthestoriesarrived.Thecoreofhersuccessfuldefensewasthatsheknewnothing.Intoday’sworld,ithasbecomenormalthatwell-paidexecutivesshouldnotbeaccountableforwhathappensintheorganizationsthattheyrun.Perhapsweshouldnotbesosurprised.Forageneration,thecollectivedoctrinehasbeenthatthesortingmechanismofsocietyshouldbeprofit.Thewordsthathavematteredareefficiency,flexibility,shareholdervalue,business-friendly,wealthgeneration,sales,impactand,innewspapers,circulation.Wordsdegradedtothemarginhavebeenjustice,fairness,tolerance,proportionalityandaccountability.ThepurposeofeditingtheNewsoftheWorldwasnottopromotereaderunderstanding,tobefairinwhatwaswrittenortobetrayanycommonhumanity.Itwastoruinlivesinthequestforcirculationandimpact.Ms.Brooksmayormaynothavehadsuspicionsabouthowherjournalistsgottheirstories,butsheaskednoquestions,gavenoinstructions-norreceivedtraceable,recordedanswers.Theauthorholdsthatthecurrentcollectivedoctrineshows（）.A.generallydistortedvaluesB.unfairwealthdistributionC.amarginalizedlifestyleD.arigidmoralcode

29、倡導“天下興亡，匹夫有責”的詩人是（）。A.王國維B.龔自珍C.梁啟超D.顧炎武

30、中國銀行業(yè)協會的日常辦事機構為（）。A.會員大會B.理事會C.常務理事會D.秘書處

31、（）naturalresourcescanbeofgreatimportance,theyarenotnecessaryforaneconomytobehighlyproductiveinproducinggoodsandservicesfortheexistingsocieties.A.YetB.ButC.AfterallD.Although

32、資料：TalkaboutChristmasinJuly.CarrieRochahasalreadystartedherholidayshopping.“AfewweeksbackIpickedupa$60toyfor$4,and,truthbetold,Ipickedupawholelotmorethanthat,”shewroteinanemail.“Ispentabout$80totalandgot$350+intoys.”Ifyouthinktheholidaysstarttooearlyasitis,youmayfindherapproachabitoverboard.Butseveralyearsago,Rochaandherhusbanddugoutofdebt,payingoffsome$50,000inconsumerdebt,aprocessshedetailedinherbookandwebsitePocketYourD.Oneoftheirstrategies,shesays,wasto“stoppretendingtheholidaysdon’tcomeeveryyear.”Whetheryouwanttothinkaboutitornot,thefactistheholidayswillbeherebeforeyouknowit.Sounlessyouhaveplentyofmoneytothrowaroundorplantoforgofestivitiesaltogether,nowisthetimetostartplanningforadebt-freeandlessstressfulholiday.Accordingtothepassage,whydidRochabuyquiteafewtoysinJuly?A.BecausethetoyswereonsaleinmoststoresB.BecauseshewaspreparingthegiftsforChristmasC.BecausetheholidayseasoniscomingD.Becauseshelovestogiveouttoysasgifts

33、三聚氰胺原本是一種重要的氮雜環(huán)有機化工原料，主要用于生產三聚氰胺一甲醛樹脂，廣泛用于木材加工、塑料、涂料、造紙、紡織、皮革、電氣、醫(yī)藥等行業(yè)，但是用于食品生產可導致人體泌尿系統(tǒng)產生結石。這說明（）。A.矛盾普遍性和特殊性相互聯結B.任何事物都有自己的優(yōu)缺點C.主要矛盾決定了事物的性質D.任何事物都包含既對立又統(tǒng)一的兩個方面

34、資料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsofplanning,timeandsavings.Somescaryfactsaboutretirement:Morethan50%ofpersonsdonothaveenoughfinancesforretirement.25%donotparticipateintheircompany'sretirementplan.Theaveragepersonspends20yearsinretirement.Herearesometipstohelpyouplancorrectly:1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingwithafinancialplannertogeta“check-up”.It'sjustlikeadoctor'svisit,andyoushouldreallytalkaboutyourpresentsituationandfuturegoals.2.Save,save,andkeeponsaving.Makeitahabittosaveasmuchasyoucan.3.Learnyourretirementneeds.Retirementcanbeexpensive.Learnfromtodayhowmuchyouneedtosaveforyourretirement.Talktoafinancialplanner,orfindanonlineretirementcalculator.4.Takepartinyouremployer'sretirementplans.Ifyourcompanyoffersone,itisusuallythebesttoolyoucanuse.Talktoafinancialprofessionalforallyouroptions.5.Learnaboutpensionplans.Ifyouhaveanemployerorgovernmentpensionplan,learnallthedetails.6.Keepyourretirementsavingsoff-limits.Don'tmakeawithdrawaluntilyouretire.Youmightincurpenaltiesanditwillbeasetbackforrealizingyourgoals.7.Getyouremployertostartone,anditcanhelpyoutremendously.8.Learnaboutyourgovernment'sretirementplans.Everycountryhasdifferentplans,somewithspecialtaxincentives,solearnwhatyourcountryoffersandplanaccordingly.9.Doyourownresearch.UsetheInternet,readthenewspapersandmagazines,talktoyourfriends,tofindoutasmuchasyoucanaboutretirement.WhichofthefollowingisNOTtrueaboutretirement?A.Morethanhalfofpeopledon’thaveenoughfinancesforretirementB.quarterofpeopledon’ttakepartintheircompany’sretirementplanC.NoonecanbefinanciallysecureinretirementD.Theaveragepersonwillspend20yearsinretirement

35、要求每個管理工作者必須從思想上明確：自己負責控制的對象是一個整體的動態(tài)系統(tǒng)，而不是一個個孤立分割的部分，應該從整體著眼對待部分，使部分服從整體。同時還應明確自己的位置，為更大的整體效益服務。這是（）。A.人本原理B.系統(tǒng)原理C.動態(tài)原理D.效益原理

36、Ihavebeenlooking____yourkindreply.A.outforB.downonC.inonD.forwardto

37、()就是取得或制造某項財產物資時所實際支付的現金或者其他等價物。A.歷史成本B.公允價值C.可變現凈值D.現值

38、下列調查中，最適合采用重點調查的是（）。A.了解全國鋼鐵生產的基本情況B.了解全國人口總數C.了解上海市居民家庭的收支情況D.了解某校學生的學習情況

39、下列