中國建設(shè)銀行綜合類招聘筆試試題

---萬戶，增長8.01％。2001年底，民營企業(yè)的從業(yè)人員為2713.86萬人，比上年同期增加307.87萬人，增長12.77％，其中投資者人數(shù)460.83萬人，增加65.49萬人，增長16.56％，雇工人數(shù)2253.03萬人，增加241.88萬人，增長12.03％。注冊資本18212.24億元，比上年同期增加．4904.55億元，增長36.86％。2001年，新開業(yè)民營企業(yè)達(dá)52.94萬戶，比上年同期增加8.12萬戶，增長18.12％；從業(yè)人員622.47萬人，比上年同期增加71.63萬人，增長13％，其中投資者人數(shù)118.56萬人，增長10.66％，雇工人數(shù)503．91萬人，增長13.57％；注冊資金4796.90億元，比上年同期增加1338．82億元，增長38.72％。從各省份看，民營企業(yè)戶數(shù)最多的是江蘇省22.55萬戶，其次是廣東省21.1萬戶，浙江省20.88萬戶，上海市17.64萬戶，山東省14.47萬戶，北京市12.41萬戶，以上6省市共有109.05萬戶，占民營企業(yè)總戶數(shù)的53.76％。從地區(qū)分布情況看，東部地區(qū)共有民營企業(yè)138.79萬戶，占民營企業(yè)總戶數(shù)的68.42％，比上年減少0.04個百分點；中部地區(qū)民營企業(yè)36.02萬戶，占民營企業(yè)總戶數(shù)的17.76％，比上年減少0.38個百分點；西部地區(qū)民營企業(yè)28.05萬戶，占民營企業(yè)總戶數(shù)的13.83％，比上年增加0.42個百分點。2001年，中國民營企業(yè)共創(chuàng)產(chǎn)值12816.99億元，比上年同期增加1577.21億元，增長14.69％；實現(xiàn)銷售總額11484.24億元，比上年增加1600.18億元，增長16.19Z；社會消費品零售額6245億元，比上年增加431.52億元，增長7.42％。從資本占用、從業(yè)人數(shù)和產(chǎn)出總量等方面來看，私營個體經(jīng)濟在國民經(jīng)濟中的份額大體在10—20％之間，已經(jīng)成為國民經(jīng)濟中一個不可忽視的重要組成部分。6.2001年底，我國民營企業(yè)的總戶數(shù)約比2000年底增長了（）。A．15.14％B．13.15％C．18.97％D.20.16％2000年開業(yè)的民營企業(yè)吸收的雇工人數(shù)約為（）。A.443.7萬人B.492.6萬人C.503.9萬人D.522.4萬人2001年底，我國民營企業(yè)戶數(shù)超過20萬戶的省份有（）。A.2個B.3個C.4個D.5個已知1989年中國民營企業(yè)的平均注冊資本為9萬元，則可知截止2001年底，中國民營企業(yè)的平均注冊資本約為1989年的（）。A.5倍B.10倍C.15倍D.20倍根據(jù)上述資料，下列說法不正確的是（）。A.2000年底，我國民營企業(yè)的投資者人數(shù)約為：395.34萬人B.廣東、浙江兩省的民營企業(yè)戶數(shù)已超過全國民營企業(yè)總數(shù)的五分之一2001年底東部地區(qū)的民營企業(yè)戶數(shù)與2000年底相比略有下降2000年，我國民營企業(yè)實現(xiàn)的銷售總額不足10000億元六、英語能力考核資料1：Whilestillinitsearlystages,welfarereformhasalreadybeenjudgedagreatsuccessinmanystates—atleastingettingpeopleoffwelfare.It’sestimatedthatmorethan2millionpeoplehavelefttherollssince1994.Inthepastfouryears,welfarerollsinAthensCountryhavebeencutinhalf.But70percentofthepeoplewholeftinthepasttwoyearstookjobsthatpaidlessthan$6anhour.Theresult:TheAthensCountypovertyratestillremainsatmorethan30percent—twicethenationalaverage.Foradvocates（代言人）forthepoor,that'sanindicationmuchmoreneedstobedone.“Morepeoplearegettingjobs,butit’snotmakingtheirlivesanybetter,”saysKathyLairn,apolicyanalystattheCenteronBudgetandPolicyPrioritiesinWashington.AcenteranalysisofUSCensusdatanationwidefoundthatbetween1995and1996,agreaterpercentageofsingle,female-headedhouseholdswereearningmoneyontheirown,butthataverageincomeforthesehouseholdsactuallywentdown.Butformany,thefactthatpoorpeopleareabletosupportthemselvesalmostaswellwithoutgovernmentaidastheydidwithitisinitselfahugevictory.“Welfarewasapoison.Itwasatoxin（毒素）thatwaspoisoningthefamily,”saysRobertRector,awelfare-reformpolicyanalyst.“Thereforminchangingthemoralclimateinlow-incomecommunities.It’sbeginningtorebuildtheworkethic（道德觀），whichismuchmoreimportant.”Mr.Rectorandothersarguedthatonce“thehabitofdependencyiscracked,”thenthecountrycanmakeotherpolicychangesaimedatimprovinglivingstandards.Fromthepassage,itcanbeseenthattheauthor.believesthereformhasreducedthegovernment’sburdeninsiststhatwelfarereformisdoinglittlegoodforthepoorisoverenthusiasticaboutthesuccessofwelfarereformconsiderswelfarereformtobefundamentallysuccessfulWhyaren’tpeopleenjoyingbetterliveswhentheyhavejobs?Becausemanyfamiliesaredivorced.Becausegovernmentaidisnowrare.Becausetheirwagesarelow.Becausethecostoflivingisrising.WhatisworthnotingfromtheexampleofAthensCountyisthat.greatereffortsshouldbemadetoimprovepeople’slivingstandards70percentofthepeopletherehavebeenemployedfortwoyears50percentofthepopulationnolongerreliesonwelfarethelivingstandardsofmostpeoplearegoingdownFromthepassageweknowthatwelfarereformaimsat.savingwelfarefundsrebuildingtheworkethicprovidingmorejobscuttinggovernmentexpensesAccordingtothepassagebeforethewelfarereformwascarriedout,.thepovertyratewasloveraveragelivingstandardswerehighertheaverageworkerwaspaidhigherwagesthepoorusedtorelyongovernmentaid資料2：Humanityusesalittlelessthanhalfthewateravailableworldwide.Yetoccurrencesofshortagesanddroughts（干旱）arecausingfamineanddistressinsomeareas,andindustrialandagriculturalby-productsarepollutingwatersupplies.Sincetheworld’populationisexpectedtodoubleinthenext50years,manyexpertsthinkweareontheedgeofawidespreadwatercrisis.Butthatdoesn’thavetobetheoutcome.Watershortagesdonothavetotroubletheworld—ifwestartvaluingwatermorethanwehaveinthepast.Justaswebegantoappreciatepetroleummoreafterthe1970soilcrises,todaywemuststartlookingatwaterfromafresheconomicperspective.Wecannolongeraffordtoconsiderwateravirtuallyfreeresourceofwhichwecanuseasmuchaswelikeinanywaywewant.Instead,forallusesexceptthedomesticdemandofthepoor,governmentsshouldpricewatertoreflectitsactualvalue.Thismeanschargingafeeforthewateritselfaswellasforthesupplycosts.Governmentsshouldalsoprotectthisresourcebyprovidingwaterinmoreeconomicallyandenvironmentallysoundways.Forexample.oftenthecheapestwaytoprovideirrigation（灌溉）waterinthedrytropicsisthroughsmall-scaleprojects,suchasgatheringrainfallindepressions（凹地）andpumpingittonearbycropland.Nomatterwhatstepsgovernmentstaketoprovidewatermoreefficiently,theymustchangetheirinstitutionalandlegalapproachestowatersue.Ratherthanspreadcontrolamonghundredsoreventhousandsoflocal,regional,andnationalagenciesthatwatchvariousaspectsofwateruse,countriesshouldsetupcentralauthoritiestocoordinatewaterpolicy.Whatistherealcauseofthepotentialwatercrisis?Theworldpopulationisincreasingfasterandfaster.Halfoftheworld’swaterresourceshavebeenseriouslypolluted.Humanityhasnotplacedsufficientvalueonwaterresources.Onlyhalfoftheworld’swatercanbeused.Asindicatedinthepassage,thewaterproblem.hasbeenexaggeratedbysomeexpertsinthefieldisunderestimatedbygovernmentorganizationsatdifferentlevelsposesachallengetothetechnologyofbuildingreservoirsisalreadyseriousincertainpartsoftheworldAccordingtotheauthor,thewaterpriceshould.correspondtoitsrealvaluebereducedtotheminimumstimulatedomesticdemandtakeintoaccounttheoccurrencesofdroughtsTheauthorsaysthatinsomehotanddryareasitisadvisableto.buildbiglakestostorewaterconstructbigpumpingstationschannelwaterfromnearbyriverstocroplandbuildsmallandcheapirrigationsystemsInordertoraisetheefficiencyofthewatersupply,measuresshouldbetakento.centralizethemanagementofwaterresourcesincreasethesenseofresponsibilityofagenciesatalllevelsguaranteefullprotectionoftheenvironmentencouragelocalandregionalcontrolofwaterresources資料3PresidentArlinghasputhislong-awaitedeconomicrestructuringprogrambeforetheCongress.Itprovidesacoordinatedprogramofinvestmentcredits,researchgrants,educationalreforms,andtaxchangesdesignedtomakeAmericanindustrymorecompetitive.Thisisnecessarytoreversetheeconomicslideintounemployment,lackofgrowth,andtradedeficitsthathaveplaguedtheeconomyforthepastsixyears.ThemostliberalwingofthePresident'spartyhascalledforstrongerandmoredirectaction.TheywantanincomespolicytocheckinflationwhileFederalfinancinghelpsrebuildindustrybehindawallofprotectivetariffs.TheRepublicans,however,decryeventhemodest,graduatedtaxincreasesinthePresident'sprogram.TheyWanttaxcutsandamoreopenmarket.TheysayifFederalmoneyhastobeinjectedintotheeconomy,letitthroughdefencespending.Boththesealternativesignoretheuniquenatureoftheeconomicproblembeforeus.Itisnotsimplyamatterofmarketsorfinancing.Thenewtechnologyallowsvastlyincreasedproductionforthoseabletomasterit.Butitalsothreatensthosewhofailtoadoptitwithpermanentsecond-classcitizenshipintheworldeconomy.Ifanindustrycannotleveritselfuptotheleadingstageoftechnologicaladvances,thenitwillnotbeabletocompeteeffectively.Ifitcannotdothis,noamountofgovernmentprotectionismoraccesstoforeignmarketscankeepitprofitableforlong.Withouttheprofitsandexperienceoftechnologicalexcellencetoreinvest,thatindustrycanonlyfallstillfurtherbehinditsforeigncompetitors.SothecruxisthetechnologyandthatiswherethePresident'sprogramfocused.Thedangerisnotthataplanwillnotbepassed,itisthattheideologuesofrightandleftwilldistortthebillwithamendmentsthatwillbluritsfocusontechnology.Theeconomicrestructuringplanshouldbepassedintact.Ifwefailtorestructureoureconomynow,wemaynotgetasecondchance.ThefocusofthePresident'sprogramison.A.investmentB.economyC.technologyD.taxWhatistherequirementofthemostliberalwingoftheDemocraticParty?Theywantamoredirectaction.Theywantanincomespolicytocheckinflation.Theywanttorebuildindustry.Theywantawallofprotectivetariffs.Whatistheeditor'sattitude?A.Support.B.Distaste.C.Disapproval.D.Compromise.Thedangertotheplanliesin.thetwoparties'objectiondifferentideasofthetwopartiesabouttheplanitspassagedistortionThepassageis.A.areviewB.aprefaceC.anadvertisementD.aneditorial資料4：HenryFord,thefamousU.S.inventorandcarmanufacturer,oncesaid,‘ThebusinessofAmericaisbusiness.”BythishemeantthattheU.S.wayoflifeisbasedonthevaluesofthebusinessworld.FewwouldarguewithFord’sstatement.AbriefglimpseatadailynewspapervividlyshowshowmuchpeopleintheUnitedStatesthinkaboutbusiness.Forexample,nearlyeverynewspaperhasabusinesssection,inwhichthedealsandprojects,financesandmanagement,stockpricesandlaborproblemsofcorporationsarereporteddaily.Inaddition,businessnewscanappearineveryothersection.Mostnationalnewshasanimportantfinancialaspecttoit.Welfare,foreignaid,thefederalbudget,andthepoliciesoftheFederalReserveBankareallheavilyaffectedbybusiness.Moreover,businessnewsappearsinsomeoftheunlikeliestplaces.Theworldofartsandentertainmentisoftenreferredtoas“theentertainmentindustry”or“showbusiness.”ThepositivesideofHenryFord’sstatementcanbeseenintheprosperitythatbusinesshasbroughttoU.S.life.OneofthemostimportantreasonssomanypeoplefromallovertheworldcometoliveintheUnitedStatesisthedreamofabetterjob.Jobsareproducedinabundance（大量地）becausetheU.S.economicsystemisdrivenbycompetition.Peoplebelievethatthissystemcreatesmorewealth,morejobs,andamateriallybetterwayoflife.ThenegativesideofHenryFord’sstatement,however,canbeseenwhenthewordbusinessistakentomeanbigbusiness.Andthetermbigbusiness—referringtothebiggestcompanies,isseeninoppositiontolabor.ThroughoutU.S.historyworkingpeoplehavehadtofighthardforhigherwages,betterworkingconditions,andtherighttoformunions.Today,manyoftheoldlabordisputesareover,butthereisstillsomeemployeeanxiety.Downsizing—thelayingoffofthousandsofworkerstokeepexpenseslowandprofitshigh--createsfeelingsofinsecurityformany.TheUnitedStatesisatypicalcountry.whichencouragesfreetradeathomesandabroadwherepeople’schiefconcernishowtomakemoneywhereallbusinessesaremanagedscientificallywhichnormallyworksaccordingtothefederalbudgetTheinfluenceofbusinessintheU.S.isevidencedbythefactthat.mostnewspapersarerunbybigbusinessesevenpublicorganizationsconcentrateonworkingforprofitsAmericansofallprofessionsknowhowtodobusinessevenartsandentertainmentareregardedasbusinessAccordingtothepassage,immigrantschoosetosettleintheU.S.,dreamingthat.theycanstartprofitablebusinessestheretheycanbemorecompetitiveinbusinesstheywillmakeafortuneovernighttheretheywillfindbetterchancesofemploymentHenryFord’sstatementscanbetakennegativelybecause.workingpeoplearediscouragedtofightfortheirrightstherearemanyindustriescontrolledbyafewbigcapitaliststhereisaconflictingrelationshipbetweenbigcorporationsandlaborpublicservicesarenotrunbythefederalgovernmentAcompany’seffortstokeepexpenseslowandprofitshighmayresultin.reductioninthenumberofemployeesimprovementofworkingconditionsfewerdisputesbetweenlaborandmanagementariseinworkers’wages七、專業(yè)知識考核題（不定向選擇）1．（）是指不論借貸期限的長短，僅按本金計算利息，上期本金所產(chǎn)生的利息不計入下期本金重復(fù)計算利息。A.單利B.復(fù)制C.單利與復(fù)利結(jié)合D.利滾利市場上需要某種產(chǎn)品的人數(shù)和該產(chǎn)品人均需求量的乘積即是市場上該產(chǎn)品的（）。A.總需求B.有效需求C.無效需求D.潛在需求具有維護(hù)國家主權(quán)、保護(hù)民族經(jīng)濟、促進(jìn)對外貿(mào)易發(fā)展功能的稅種是（）。A.營業(yè)稅B.增值稅C.關(guān)稅D.房產(chǎn)稅以經(jīng)濟活動中書立、領(lǐng)受的憑證為征稅對象的稅種是（）。A.營業(yè)稅B.關(guān)稅C.企業(yè)所得稅D.印花稅6．我國第一家中國人自辦的銀行為（）。A.麗如銀行B.交通銀行C.北海銀行D.中國通商銀行貨幣制度最基本的內(nèi)容是規(guī)定（）。A.貨幣材料B.貨幣名稱C.貨幣單位D.價格標(biāo)準(zhǔn)根據(jù)《中華人民共和國民事訴訟法》的規(guī)定，下列關(guān)于公示催告程序的表述中，正確的是（）。公示催告期間最短不得少于90日在公示催告期間，轉(zhuǎn)讓票據(jù)權(quán)利的行為無效公示催告案件由票據(jù)持有人所在地的基層人民法院管轄公示催告申請人申請人民法院做出除權(quán)判決的，應(yīng)自申報權(quán)利期間屆滿的次日起1年內(nèi)提出《中華人民共和國合同法》采用的違約責(zé)任的歸責(zé)原則是（）。A.嚴(yán)格責(zé)任原則B.經(jīng)濟合理原則C.誠實信用原則D.全面履行原則TOC\o"1-5"\h\z無差異曲線為直角形狀時，表示兩種商品是（）。A.互不相關(guān)的關(guān)系B.完全替代的關(guān)系C.部分替代的關(guān)系D.完全互補的關(guān)系根據(jù)《中華人民共和國民