銀行招聘考試綜合知識(習(xí)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(xí)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(xiàng)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(gòu)成我國政策性金融機(jī)構(gòu)資金來源的是（）。A)財(cái)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(jì)核算中，資金運(yùn)動的具體內(nèi)容是通過在賬簿中設(shè)置（）來反映的。A)賬戶B)會計(jì)科目C)單元D)內(nèi)容[單選題]4.下列關(guān)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(jù)需要抽回出資B)股東只能用貨幣進(jìn)行出資C)無論是有限責(zé)任公司還是股份有限公司，股東均可自由轉(zhuǎn)讓其出資D)股東可以貨幣和非貨幣資產(chǎn)出資[單選題]5.Thesmogisdue（）invisiblegases，mostlyfromautomobileexhaust.A)fromB)toC)forD)with[單選題]6.避險(xiǎn)過當(dāng)負(fù)刑事責(zé)任，但應(yīng)當(dāng)（）處罰。A)從輕B)減輕C)免除D)減輕或者免除[單選題]7.有關(guān)消費(fèi)函數(shù)和儲蓄函數(shù)的表述錯誤的是()。A)消費(fèi)等于自發(fā)消費(fèi)和引致消費(fèi)之和B)儲蓄與消費(fèi)之間的依存關(guān)系被稱為儲蓄函數(shù)C)消費(fèi)函數(shù)和儲蓄函數(shù)互為補(bǔ)數(shù)D)消費(fèi)函數(shù)公式為C=a+βY[單選題]8.下列業(yè)務(wù)中，應(yīng)該填制現(xiàn)金收款憑證的是（）。A)將多余現(xiàn)金存入銀行B)從銀行提取現(xiàn)金C)出租設(shè)備,收到一張現(xiàn)金支票D)報(bào)廢一臺電腦，出售殘料收到現(xiàn)金[單選題]9.由于某化肥廠長期排污，該地域內(nèi)兩個村莊幾年來多人患有罕見的嚴(yán)重疾病，根據(jù)《環(huán)境保護(hù)法》的規(guī)定，下列哪一選項(xiàng)是錯誤的?（）A)受害村民有權(quán)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(zé)任的歸責(zé)原則實(shí)行公平責(zé)任原則D)本案由化肥廠承擔(dān)其排污行為和損害結(jié)果之間是否存在因果關(guān)系的舉證責(zé)任[單選題]10.洋務(wù)運(yùn)動始于（）。A)19世紀(jì)30年代B)19世紀(jì)50年代C)19世紀(jì)60年代D)19世紀(jì)90年代[單選題]11.通貨膨脹對收入和財(cái)富進(jìn)行再分配的影響是指（）。A)造成收入結(jié)構(gòu)的變化B)使收入普遍上升C)使債權(quán)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(fēng)險(xiǎn)最大。A)互換B)期權(quán)C)期貨D)遠(yuǎn)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(zhuǎn)賬支付的，應(yīng)由其填制支款憑證，并交驗(yàn)本人身份證件。其會計(jì)分錄為()。A)借：存放聯(lián)行款項(xiàng)(聯(lián)行往賬)貸：應(yīng)解匯款一一持票人戶B)借：應(yīng)解匯款一一原持票人戶貸：現(xiàn)金C)借：應(yīng)解匯款一一原持票人戶貸：××科目一一××戶D)借：現(xiàn)金貸：應(yīng)解匯款一一持票人戶[單選題]16.關(guān)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(jīng)濟(jì)的負(fù)外部性引起的C)政府在糾正經(jīng)濟(jì)不穩(wěn)定方面完全無能為力D)政府干預(yù)經(jīng)濟(jì)在創(chuàng)造財(cái)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(jià)格的最低界限是（）。A)商品的個別價(jià)值B)商品的社會價(jià)值C)商品的生產(chǎn)成本D)商品的生產(chǎn)價(jià)格[單選題]20.銀行業(yè)金融機(jī)構(gòu)資不抵債，不能支付到期債務(wù)時，由（）依法宣告其破產(chǎn)。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(chǎn)質(zhì)量的最重要指標(biāo)。A)資本利潤率B)資本充足率C)不良貸款率D)資產(chǎn)負(fù)債率[單選題]25.商業(yè)銀行根據(jù)業(yè)務(wù)需要可以在境內(nèi)外設(shè)立分支機(jī)構(gòu)，并應(yīng)當(dāng)按照規(guī)定撥付與其經(jīng)營規(guī)模相適應(yīng)的營運(yùn)資金額。撥付各分支機(jī)構(gòu)營運(yùn)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(yùn)算符中，優(yōu)先級最高的是（）。A)算術(shù)運(yùn)算符B)比較運(yùn)算符C)文本運(yùn)算符D)引用運(yùn)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(wù)是一方向另一方提供的基本上是（），并且不導(dǎo)致任何所有權(quán)的產(chǎn)生。A)有形產(chǎn)品B)無形的任何活動或利益C)物質(zhì)產(chǎn)品D)實(shí)體產(chǎn)品[單選題]29.現(xiàn)代家庭生活離不開網(wǎng)絡(luò)的支持，但數(shù)字生活的普及通常都是從路由器開始的。路由器在網(wǎng)絡(luò)中的作用是（）。A)解析模擬信號為數(shù)字信號B)鏈接多個網(wǎng)絡(luò)或者網(wǎng)段C)保護(hù)連接進(jìn)入網(wǎng)絡(luò)的設(shè)備安全，避免黑客攻擊D)解析網(wǎng)絡(luò)要求，將域名翻譯為ip地址，從而獲取網(wǎng)絡(luò)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(zé)的是（）。A)制定貨幣政策B)辦理居民存款C)防范金融危機(jī)D)維護(hù)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(yīng)當(dāng)減輕處罰。A)應(yīng)當(dāng)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(lǐng)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(fù)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(yùn)含的哲理是（）。A)物質(zhì)運(yùn)動的客觀性和時空的主觀性的統(tǒng)一B)物質(zhì)運(yùn)動的無限性和時空的有限性的統(tǒng)一C)物質(zhì)運(yùn)動的多樣性和靜止的單一性的統(tǒng)一D)物質(zhì)運(yùn)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(xiàn)有一列數(shù)據(jù)，它們是4，4，5，3，5，5，2．這列數(shù)據(jù)的平均數(shù)、眾數(shù)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(cái)政用于?三農(nóng)?的投人擬安排（）億元，繼續(xù)增加對農(nóng)民的生產(chǎn)補(bǔ)貼。A)1304.8B)1314.8C)8884.5D)9884.5[單選題]43.貨幣當(dāng)局降低再貼現(xiàn)率會導(dǎo)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(xiàn)象的書是（）。A)《關(guān)于托勒密和哥白尼兩大世界體系的對話》B)《天體運(yùn)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(yīng)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(chǎn)是指可以在（）變現(xiàn)或耗用的資產(chǎn)，包括現(xiàn)金和各種存款、短期投資、應(yīng)收及預(yù)收款項(xiàng)、存貨。A)一年內(nèi)B)一年或超過一年的一個營業(yè)周期內(nèi)C)一個營業(yè)周期內(nèi)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(shù)學(xué)家，下列屬于其作品的是（）。A)《海島算經(jīng)》B)《數(shù)書九章》C)《五曹算經(jīng)》D)《緝古算經(jīng)》[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(yù)見D)無意損害[單選題]49.商業(yè)銀行向客戶提供財(cái)務(wù)分析與規(guī)劃、投資建議、個人投資產(chǎn)品推介等專業(yè)化的服務(wù)為（）。A)私人銀行業(yè)務(wù)B)綜合理財(cái)服務(wù)C)財(cái)務(wù)顧問業(yè)務(wù)D)理財(cái)計(jì)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(jià)格、橫軸代表產(chǎn)量繪制某種農(nóng)產(chǎn)品的需求曲線和供給曲線。假設(shè)其他條件不變，當(dāng)生產(chǎn)成本上升時，在坐標(biāo)圖上就表現(xiàn)為這種農(nóng)產(chǎn)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(shù)字表示的數(shù)中，數(shù)值最大的是（）。A)二進(jìn)制數(shù)11011101B)八進(jìn)制數(shù)334C)十進(jìn)制數(shù)219D)十六進(jìn)制數(shù)DA[單選題]54.衡量一個社會生產(chǎn)力發(fā)展水平的客觀尺度是（）。A)生產(chǎn)工具B)勞動者素質(zhì)C)科學(xué)技術(shù)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(guān)系是（）。A)金融自由化就不應(yīng)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(qiáng)金融監(jiān)管，就不能有金融自由化D)金融自由化并不否認(rèn)金融監(jiān)管[單選題]57.（）是黨執(zhí)政興國的第一要務(wù)。A)發(fā)展B)以經(jīng)濟(jì)建設(shè)為中心C)堅(jiān)持改革開放D)處理好三農(nóng)建設(shè)[單選題]58.下列關(guān)于我國的公司債說法錯誤的是（）。A)公司債的風(fēng)險(xiǎn)與公司本身的經(jīng)營狀況直接相關(guān)，風(fēng)險(xiǎn)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(jù)《公司法》與《證券法》有關(guān)規(guī)定D)我國公司債發(fā)行和交易的監(jiān)管機(jī)構(gòu)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(fèi)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(wù)活動和風(fēng)險(xiǎn)管理的重大事項(xiàng)進(jìn)行說明，這種監(jiān)管方式是（）。A)市場準(zhǔn)入B)監(jiān)管談話C)非現(xiàn)場監(jiān)管D)現(xiàn)場檢査[單選題]61.我國公開市場業(yè)務(wù)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(lǐng)域內(nèi)的犯罪是指（）。A)受害人居住地在我國領(lǐng)域內(nèi)B)犯罪人居住在我國領(lǐng)域內(nèi)C)犯罪行為或者結(jié)果有一項(xiàng)發(fā)生在我國領(lǐng)域內(nèi)D)受害人與犯罪人均居住在我國領(lǐng)域內(nèi)[單選題]63.馬歇爾認(rèn)為，需求價(jià)格是由（）決定的。A)邊際成本B)邊際生產(chǎn)力C)邊際效應(yīng)D)邊際生產(chǎn)率[單選題]64.現(xiàn)有按年收益率10%，每年付息一次的100元債券，期限5年。根據(jù)上述材料，回答下列問題：當(dāng)市場利率為11%時，債券應(yīng)當(dāng)（）發(fā)行。A)貼現(xiàn)B)溢價(jià)C)等價(jià)D)公募[單選題]65.一個國家或地區(qū)在一定時期內(nèi)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(cái)政收支平衡表中B)信貸收支平衡表中C)財(cái)務(wù)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(zhǔn)的中資商業(yè)銀行法人對中資保險(xiǎn)公司法人試辦由雙方協(xié)商確定利率的大額定期存款，進(jìn)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(quán)取其輕，兩利相權(quán)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(guān)系B)分清主流和支流C)量變與質(zhì)變的辯證關(guān)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(jù)我國法律規(guī)定，我國貨幣政策目標(biāo)是（）。A)保持貨幣幣值穩(wěn)定，并以此促進(jìn)經(jīng)濟(jì)增長B)調(diào)控貨幣供應(yīng)，促進(jìn)經(jīng)濟(jì)社會發(fā)展C)提高貨幣使用效率，改善民眾生活D)加強(qiáng)人民幣流動管理，促進(jìn)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(yīng)當(dāng)符合下列哪一項(xiàng)規(guī)定?（）A)由壯族的公民擔(dān)任主任B)由壯族的公民擔(dān)任副主任C)主任必須由壯族的公民擔(dān)任．其他民族的公民可以擔(dān)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(bào)表上有關(guān)項(xiàng)目的名稱或金額受到限制或需要簡要補(bǔ)充說明時，可直接采用（）。A)底注B)旁注C)底表D)側(cè)表[單選題]75.我國商業(yè)銀行的核心資本包括（）。A)實(shí)收資本、重估資本、未分配利潤、長期次級債券B)實(shí)收資本、資本公積、未分配利潤、各項(xiàng)損失準(zhǔn)備C)實(shí)收資本、資本盈余、重估資本、未分配利潤D)實(shí)收資本、資本公積、盈余公積、未分配利潤[單選題]76.關(guān)于信用卡消費(fèi)的特點(diǎn)，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(xiàn)[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(chǎn)保護(hù)區(qū)。這些決定聯(lián)同設(shè)立三沙市構(gòu)成了中國加強(qiáng)在南海地區(qū)維護(hù)主權(quán)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(qiáng)制換行，應(yīng)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(shù)資本家追逐超額利潤的結(jié)果B)同一部門資本家之間競爭的結(jié)果C)資本有機(jī)構(gòu)成平均化的結(jié)果D)不同部門的資本家之間競爭的結(jié)果[單選題]80.Thepropertywillbeshownby______onlyinanefforttoseparatethefansfromtheseriousbuyers，becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact。A)interestB)interviewC)applicationD)appointment[單選題]81.企業(yè)會計(jì)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(biāo)是穩(wěn)定物價(jià)、充分就業(yè)、促進(jìn)經(jīng)濟(jì)增長和平衡國際收支。其中關(guān)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(guān)于硬盤的敘述中，下列選項(xiàng)錯誤的是（）。A)硬盤讀寫速度比光盤慢B)個人計(jì)算機(jī)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(jī)、硬盤控制適配器組成[單選題]84.組織結(jié)構(gòu)三要素不包括（）。A)虛擬化B)規(guī)范化C)集權(quán)化D)復(fù)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(chǎn)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(shè)置其屬性，可以打開?屬性?對話框的操作是（）。A)用鼠標(biāo)右鍵單擊?文件?菜單中的?屬性?命令B)用鼠標(biāo)右鍵單擊該文件，然后在彈出的快捷菜單中選中?屬性?項(xiàng)C)用鼠標(biāo)右鍵單擊?任務(wù)欄?中的空白處，在快捷菜單中選中?屬性?項(xiàng)D)用鼠標(biāo)右鍵單擊?查看?菜單中的?工具欄?下的?屬性?圖標(biāo)[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