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考完了,不管結(jié)果如何,希望能給以后的師弟師妹們留下一些有用的資料,也以此答謝應(yīng)屆生論壇、以及壇子里的XDJM們。2023年建行總行的筆試共155道題,70道專業(yè)題,15道英語,70綜合測試(類似于公務(wù)員行測),考試時(shí)間180分鐘,時(shí)間基本上是充足的。從難度上看,綜合測試比公務(wù)員要簡樸不少,特別是數(shù)學(xué)、資料分析。英語大約與六級(jí)難度相稱,也不算難。能拉開距離的應(yīng)當(dāng)是專業(yè)測試,由于建行的專業(yè)考試范圍很廣,涉及到了金融、經(jīng)濟(jì)、管理、市場營銷、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。非技術(shù)類的題分值分布是:專業(yè)部分:單選40道,0.5分一題;多選30道,1分一題英語部分:15題,1分一題行測加時(shí)事部分:70題,0.5分一題專業(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、公司文化7、金融市場的要素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、會(huì)計(jì)利潤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:管理難度與幅度問題17、非貨幣性商品互換中關(guān)于具有商業(yè)實(shí)質(zhì)和沒有商業(yè)實(shí)質(zhì)的問題18、積極的財(cái)政政策與擴(kuò)張的貨幣政策的使用范圍19、國家償債的率20、財(cái)務(wù)杠桿問題21、關(guān)于物權(quán)法中的留置權(quán)22、市場占有率:某公司的市場占有率是30%,其他最大三個(gè)競爭對(duì)手的市場占有率分別為20%,12%,8%。問該公司的相對(duì)市場占有率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、銀行整存整取問題26、貨幣市場工具27、公司戰(zhàn)略:當(dāng)公司處在成長期應(yīng)當(dāng):擴(kuò)大市場占有率?28、哪個(gè)屬于會(huì)計(jì)政策變跟: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)說法對(duì)的的是:利率上漲及期權(quán)時(shí)間等對(duì)期權(quán)價(jià)格的影響34、回購債券價(jià)格的決定因素35、記錄的擬合優(yōu)度公式36、會(huì)計(jì)的暫時(shí)性差異37、國際結(jié)算中關(guān)于福費(fèi)庭的問題38、發(fā)現(xiàn)同事們內(nèi)部欺詐,你怎么做39、稅法中關(guān)于定額稅40、經(jīng)濟(jì)法中關(guān)于格式條款和非格式條款41、什么是違反了金融管理的行為42、會(huì)計(jì)里暫時(shí)性差異43、會(huì)計(jì)政策變更及會(huì)計(jì)報(bào)表調(diào)整44、項(xiàng)目貸款英語有三篇閱讀理解: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言十分冷風(fēng)趣,挺故意思的。Text2Imaginewakingupandfindingthevalueofyourassetshasbee(cuò)nhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingat(yī)arecordlowagainstthee(cuò)uroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperat(yī)orsinMiami-forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthat(yī)hasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2023peak?ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,whichthanksinparttotheweakdollar,soared11percentbetwee(cuò)nMay2023andMay2023.Forfirstfivemonthsof2023,thetradedeficitactuallyfell7percentfrom2023.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstickbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeveragebusiness.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacat(yī)iontoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.52.WhydoAmericansfeelhumiliat(yī)ed?A)TheireconomyisplungingB)Theycan’taffordtripstoEuropeC)TheircurrencyhasslumpedD)Theyhavelosthalfoftheirassets.53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?TheyhavetocanceltheirvacationsinNewEngland.Theyfinditunaffordabletodineinmom-and-poprestaurants.Theyhavetospendmoremoneywhenbuyingimportedgoods.Theymightlosetheirjobsduetopotentialeconomicproblems.54HowdomanyEuropeansfeelabouttheU.Swiththedevalueddollar?TheyfeelcontemptuousofitTheyaresympatheticwithit.Theyregarditasasuperpoweronthedecline.Theythinkofitasagoodtouristdestination.55whatistheauthor’sadvicetoAmericans?TheytreatthedollarwithalittlerespectTheytrytowinintheweak-dollargambleTheyvacationathomeratherthanabroadTheytreasuretheirmarriagesallthemore.56Whatdoestheauthorimplybysaying“currenciesdon’tturnonadime”(Line2,Para7)?Thedollar’svaluewillnotincreaseintheshortterm.ThevalueofadollarwillnotbereducedtoadimeThedollar’svaluewilldrop,butwithinasmallmargin.FewAmericanswillchangedollarsintoothercurrencies.Theanswersasfollow:52,B,Theircurrencyhasslumped.53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.54,D,Theythinkofitasagoodtouristdestination.55,C,Theyvacationathomerat(yī)herthanabroad.56,A,Thedollar'svaluewillnotincreaseintheshortterm.Text3Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthelaboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwouldthenremovetheauthors’namesandaffiliationsfromthepaperandsendittotheirpee(cuò)rsforreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperforpublicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchersseekingknowledgeoftheresultswouldhavetosubscribetothejournal.Nolonger.TheInternet–andpressurefromfundingagencies,whoarequestioningwhycommercialpublishersaremakingmoneyfromgovernment-fundedresearchbyrestrictingaccesstoit–ismakingaccesstoscientificresultsareality.TheOrganizationforEconomicCo-operat(yī)ionandDevelopment(OECD)wasjustissuedareportdescribingthefar-reachingconsequencesofthis.Thereport,byJohnHoughtonofVictoriaUniversityinAustraliaandGrahamVickeryoftheOECD,makesheavyreadingforpublisherswhohave,sofar,madehandsomeprofits.Butitgoesfurtherthanthat.Itsignalsachangeinwhathas,untilnow,beenakeyelementofscientificendeavor.Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.Itisbigbusiness.InAmerica,thecorescientificpublishingmarketisestimatedat(yī)between$7billionand$11billion.TheInternationalAssociationofScientific,TechnicalandMedicalPublisherssaysthattherearemorethan2,000publishersworldwidespecializinginthesesubjects.Theypublishmorethan1.2millionarticleseachyearinsome16,000journals.Thisisnowchanging.AccordingtotheOECDreport,some75%ofscholarlyjournalsarenowonline.Entirelynewbusinessmodelsareemerging;threemainoneswereidentifiedbythereport’sauthors.Thisistheso-calledbigdeal,whereinstitutionalsubscriberspayforaccesstoacollectionofonlinejournaltitlesthroughsite-licensingagreements.Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.Finally,thereareopen-accessarchives,whereorganizationssuchasuniversitiesorinternationallaboratoriessupportinstitutionalrepositories.Othermodelsexistthatarehybridsofthesethree(cuò),suchasdelayedopen-access,wherejournalsallowonlysubscriberstoreadapaperforthefirstsixmonths,beforemakingitfreelyavailabletoeveryonewhowishestoseeit.Allthiscouldchangethetraditionalformofthepeer-reviewprocess,atleastforthepublicationofpapers.6.Inthefirstparagraph,theauthordiscusses[A]thebackrmationofjournalediting.[B]thepublicationroutineoflaborat(yī)oryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublicat(yī)ion.7.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.[B]Itintroducesaneffectivemeansofpublication.[C]Itupsetsprofit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.8.Accordingtothetext,onlinepublicationissignificantinthat(yī)[A]itprovidesaneasieraccesstoscientificresults.[B]itbringshufitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.9.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.[B]subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepeer-reviewbeforesubmission.10.Whichofthefollowingbestsummarizesthemainideaofthepassage?[A]TheInternetisposingathreattopublishers.[B]Anewmodeofpublicationisemerging.[C]Authorswelcomethenewchannelforpublication.[D]Publicationisrenderedeasierbyonlineservice.參考答案:DCAAB26.Inthefirstparagraph,theauthordiscusses[A]thebackgroundinformationofjournalediting.thepublicationroutineoflaboratoryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublication.[對(duì)的答案]D[答案解析]概括段落大意。本文談的是通過互聯(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,所以對(duì)的答案是D。A選項(xiàng)journalediting沾點(diǎn)邊,但不吻合。做這類題及主題題型可以使用逆向法,即思緒是:假如真要寫journalediting的,那應(yīng)當(dāng)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?,此題從本段的內(nèi)容,本段在全篇的作用,以及本文要談的主題角度,可以擬定對(duì)的答案。[信心指數(shù)]99.9%27.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.Itintroducesaneffectivemeansofpublication.[C]Itupfit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.[對(duì)的答案]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fundingagencies批評(píng)commercialpublishers,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,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?誰呢?TheInternetismakingaccesstoscientificresultsareality.是Internet,對(duì)吧?C對(duì)的。Why?事實(shí)上是考對(duì)這句話的理解:Thereportmakesheavyreadingforpublishers.“heavyreading”是啥意思呢?費(fèi)力的閱讀。此處的heavy意為hardtodooraccomplish;arduous。字面的意思是,這個(gè)報(bào)告讓獲取巨大利潤的出版商們讀起來費(fèi)勁。為什么讀起來費(fèi)勁啊?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,是由于這個(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)告自身對(duì)科學(xué)研究帶來多大好處。當(dāng)然啦,這個(gè)報(bào)告既然指出了這個(gè)趨勢,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“相稱的”作用?[信心指數(shù)]99.9%28.Accordingtothetext,onlinepublicationissignificantinthat(yī)[A]itprovidesaneasieraccesstoscientificresults.itbringshugeprofitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.[對(duì)的答案]A[答案解析]文中兩句話決定A對(duì)的,一是TheInternetismakingaccesstoscientificresultsareality.二是Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.也就是知識(shí)的價(jià)值在于其廣泛傳播和即時(shí)獲取,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),由于文章始終沒有談?wù)撗芯空叩墨@利問題,要說談,它也只是談了scientificpublishingmarket是一個(gè)bigbusiness。并且,在線學(xué)術(shù)期刊的第二種業(yè)務(wù)模式(open-accesspublishing),還得研究者自己掏腰包的!科學(xué)知識(shí)自身無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從談起,D亦被輕松排除。[信心指數(shù)]99.9%29.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepee(cuò)r-reviewbeforesubmission.[對(duì)的答案]A[答案解析]考對(duì)這句話的理解:Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.通過作者本人(或其老板)付費(fèi)發(fā)表的方式支持開架在線閱覽,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)當(dāng)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乃空穴來風(fēng),毫無根據(jù)。C有一定的干擾性,本來這層意思本文也是只字示提,但既然是open-accesspublishing嘛,那用戶應(yīng)當(dāng)是可以免費(fèi)使用的。但是不是otheronlinejournals也可以免費(fèi)使用呢(轉(zhuǎn)載等),這似乎就走得遠(yuǎn)了點(diǎn),原文并未提供這方面的信息,排除。D選項(xiàng)輕松排除。[信心指數(shù)]99.9%30.Whichofthefollowingbest
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