銀行招聘考試綜合知識(shí)(習(xí)題卷20)

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20)PAGE"pagenumber"pagenumber/SECTIONPAGES"numberofpages"numberofpages銀行招聘考試綜合知識(shí)第1部分：單項(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.資料：ElizabethBlackwellwasborninEnglandin1821,andmovedtoNewYorkCitywhenshewastenyearsold.Onedayshedecidedthatshewantedtobecomeadoctor.Thatwasnearlyimpossibleforawomaninthemiddleofthenineteenthcentury.Afterwritingmanylettersaskingforadmission（錄取）tomedicalschools,shewasfinallyacceptedbyadoctorinPhiladelphia.Shewassodeterminedthatshetaughtschoolandgavemusiclessonstogetmoneyforthecostofschooling.In1849,aftergraduationfrommedicalschool,shedecidedtofurtherhereducationinParis.Shewantedtobeasurgeon（外科醫(yī)生）,butaseriouseyeproblemforcedhertogiveuptheidea.UponreturningtotheUnitedStates,shefounditdifficulttostartherownpracticebecauseshewasawoman.By1857Elizabethandhersister,alsoadoctor,alongwithanotherwomandoctor,managedtoopenanewhospital,thefirstforwomenandchildrenBesidesbeingthefirstwomanphysicianandfoundingherwonhospital,shealsosetupthefirstmedicalschoolforwomen.Accordingtothepassage,allofthefollowingare?firsts?inthelifeofElizabethBlackwell,exceptthatshe________.A)wasthefirstwomandoctorB)andseveralotherwomenfoundedthefirsthospitalforwomenchildrenC)becamethefirstwomanphysicianD)setupthefirstmedicalschoolforwomen答案:A解析:【考點(diǎn)】英語-閱讀理解-短篇閱讀理解本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】firsts;exceptthat【主題句】第3自然段By1857Elizabethandhersister,alsoadoctor,alongwithanotherwomandoctor,managedtoopenanewhospital,thefirstforwomenandchildrenBesidesbeingthefirstwomanphysicianandfoundingherwonhospital,shealsosetupthefirstmedicalschoolforwomen.1857年，伊麗莎白，和她同為醫(yī)生的姐妹，以及另一位女性醫(yī)生，一同開辦了一所新醫(yī)院。這是第一所專為女性和兒童開辦的醫(yī)院。作為第一位女性內(nèi)科醫(yī)生，除了開辦自己的醫(yī)院，她還為女性創(chuàng)辦了第一所專門醫(yī)科學(xué)校。本題的問題是?根據(jù)文章，以下幾項(xiàng)伊麗莎白?布萊克維爾都是第一人，除了_______？?選項(xiàng)A意為?是第一位女醫(yī)生?，選項(xiàng)B意為?和其他幾位婦女成立了第一家婦幼醫(yī)院?，選項(xiàng)C意為?成為第一位女醫(yī)師?，選項(xiàng)D意為?成立了第一所女性醫(yī)學(xué)院?。根據(jù)主題句可知，B、C、D都是正確的。[單選題]2.在執(zhí)行貨幣政策時(shí)，發(fā)達(dá)國家央行最常用的一項(xiàng)貨幣市場工具是（）。A)調(diào)整存貸款基準(zhǔn)利率B)再貼現(xiàn)政策C)公開市場業(yè)務(wù)D)存款準(zhǔn)備金政策答案:C解析:再貼現(xiàn)政策、存款準(zhǔn)備金政策和公開市場業(yè)務(wù)是傳統(tǒng)的三大貨幣政策工具，被喻為?三大法寶?。公開市場業(yè)務(wù)是貨幣政策工具之一，指的是中央銀行在金融市場上買賣政府債券來控制貨幣供給和利率的政策行為，是目前多數(shù)發(fā)達(dá)國家（更準(zhǔn)確的說是大多數(shù)市場經(jīng)濟(jì)國家）中央銀行控制貨幣供給量的最常用的工具。C項(xiàng)正確。[單選題]3.資料：Placingtherighttypeofworkersincloseproximitytoeachothercangenerateuptoa15percentincreaseinorganizationalperformance，accordingtothestudyfromCornerstoneOnDemand，aproviderofcloud-basedlearningandtalent-managementsoftware，andresearchersatHarvardBusinessSchoolinMassachusetts.Forbusinesseswith2，000employees,thistranslatesintoanadditional$1millioninprofiteachyear，thestudysaid.Forthestudy，researchersexamineddatafromatwo-yearperiodofmorethan2，000employeesworkingatalargetechnologycompanywithlocationsintheU.S.andEurope.Thestudy?sauthorsseparatedworkersintothreedifferentcategoriesbasedontheworktheyproduced：Productive：Theseemployeesareveryproductive，butdon?talwaysproducequalitywork.Quality：Theseworkersproduceworkofsuperiorquality，butaren?talwaysproductive.Generalists：Theseemployeesareaverageintermsofbothproductivityandquality.Theresearchersdefinedproductivitybyhowlongittakesanemployeetofinishatask，andeffectivenessbyhowoftenemployeesneedtoaskaco-workerforhelpcompletingatask.What?sthemainideaaboutthefirstparagraph？A)CornerstoneOnDemandisaproviderofcloud-basedlearningandtalent-managementsoftwareB)Placingtherighttypeofworkerstogetherwillgenerate15%increaseinperformanceC)Smarterseatingcanaffectcompany?sperformanceD)Astudyabouthowafirmgetadditionalprofit答案:B解析:本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】mainideaaboutthefirstparagraph【主題句】第1自然段Placingtherighttypeofworkersincloseproximitytoeachothercangenerateuptoa15percentincreaseinorganizationalperformance，accordingtothestudyfromCornerstoneOn（疑為缺少空格）Demand，aproviderofcloud-basedlearningandtalent-managementsoftware，andresearchersatHarvardBusinessSchoolinMassachusetts。Forbusinesseswith2，000employees，thistranslatesintoanadditional$1millioninprofiteachyear，thestudysaid.根據(jù)CornerstoneOnDemand（一家基于云的學(xué)習(xí)和人才管理軟件供應(yīng)商）和馬薩諸塞州哈佛商學(xué)院研究人員的研究顯示，將合適類型的員工安排在彼此附近可以使組織績效提高。這項(xiàng)研究稱，擁有2000名員工的企業(yè)每年將獲得額外100萬美元的利潤。本題的問題是?第一段的主旨大意是什么？?。A選項(xiàng)?CornerstoneOnDemand是基于云的學(xué)習(xí)和人才管理軟件的供應(yīng)商?；B選項(xiàng)?將合適類型的工人放在一起將使績效提高?；C選項(xiàng)?明智的座位安排會(huì)影響公司的業(yè)績。?；D選項(xiàng)?關(guān)于企業(yè)如何獲得額外利潤的研究?。根據(jù)題目中關(guān)鍵詞找到主題句，各選項(xiàng)均正確，但最能總結(jié)主旨大意的是B選項(xiàng)，A選項(xiàng)不是主要含義，C、D選項(xiàng)不夠具體、過于籠統(tǒng)。[單選題]4.首先提出國際分工與自由貿(mào)易理論的是（）。A)大衛(wèi)·李嘉圖B)俄林C)亞當(dāng)·斯密D)李斯特答案:C解析:自由貿(mào)易理論的創(chuàng)始者是英國經(jīng)濟(jì)學(xué)家亞當(dāng)．斯密。其核心是自由貿(mào)易可使參與貿(mào)易的雙方均獲得貿(mào)易利益，它是通過對貿(mào)易原因的近于完美的實(shí)證分析和邏輯推論而得出，這是自由貿(mào)易理論獲得廣泛認(rèn)同的主要原因。自由貿(mào)易理論自誕生以來，就一直是國際貿(mào)易的核心理論，成為整個(gè)國際貿(mào)易理論發(fā)展的主線，甚至成為國際貿(mào)易理論的理念和目標(biāo)。對后世各種不同類型國家的貿(mào)易理論和政策選擇產(chǎn)生了深遠(yuǎn)的影響。[單選題]5.Weshouldthinklongtermandtake____measures.A)primitiveB)productiveC)permissiveD)proactive答案:D解析:A選項(xiàng)意為?原始的?；B選項(xiàng)意為?生產(chǎn)的、富有成效的?；C選項(xiàng)意為?自由的、寬容的?；D選項(xiàng)意為?前瞻性的、積極主動(dòng)的?。題目意為?我們應(yīng)該從長遠(yuǎn)考慮，采取____的措施。?因此選D，采取前瞻性的措施。[單選題]6.資料：TheincreasingamountofpersonalinformationthatcanbecollectedbycomputerprogramsthattrackhowpeopleuseFacebookhasbeenrevealedbyanextensiveacademicstudy.SuchprogramscanshowundisclosedprivateinformationsuchasFacebookusers'sexuality,drug-usehabitsandevenwhethertheirparentsseparatedwhentheywereyoung,accordingtothestudybytheUniversityofCambridgeacademics.Inoneofthebiggeststudiesofitskindscientistsfromtheuniversity?steamandaMicrosoft-fundedresearchcenteranalyzeddatafrom58,000Facebookuserstopredicttraitsandotherinformationthatwerenotprovidedintheirprofiles.Thealgorithmswere88percentaccurateinpredictingmalesexualorientation,95percentforraceand80percentforreligion.Andpoliticalleanings,personalitytypesandemotionalstabilitywerealsopredictedwithaccuracyrangingfrom62-75percent.Thestudyhighlightsgrowingconcernsaboutsocialnetworksandhowdatatrailscanbeminedforsensitiveinformationevenwhenpeopleattempttokeepinformationaboutthemselvesprivate：Lessthan5percentofuserswereconnectedwithexplicitlygaygroups.MichalKosinksi，oneofthereport?sauthorstoldtheFinancialTimesthattheuniversity?stechniquescouldeasilybereplicatedbycompaniestointerpersonalattributesapersondidnotwishtosharesuchassexualorientationorpoliticalviews:?Weusedverysimpleandgenericmethods:Marketingcompaniesandinternetcompaniescouldspendmuchmoretimeandresourcesandhencegetmuchhigheraccuracythanwedid.Thereportalsorevealedsomeunexpectedcorrelationssuchaspeoplewholiked?curlyfries?havinghigherIQswhilethoseWholikeFacebook?s?SlidingonFloorsWithYourSocksOn?pagewereunlikelytousedrugs.whydoestheauthormention?religion?inparagraphfour?A)Toshowtheimportanceofitinpeople?slifeB)TosupportthatpeoplecancollectinformationfromFacebookC)TogiveanexampleoftheinformationpredictedinthestudyD)Toillustratethepercentageofpeoplewithreligiousbelief答案:C解析:本題考查的是細(xì)節(jié)理解【關(guān)鍵詞】religion；paragraphfour【主題句】第4自然段Thealgorithmswere88percentaccurateinpredictingmalesexualorientation,95percentforraceand80percentforreligion。研究結(jié)果為，預(yù)測男性性別取向的正確率是，預(yù)測種族的正確率是，預(yù)測宗教信仰的正確率是。題目意為?第四段中作者提到religion（宗教信仰）的目的是什么？?選項(xiàng)A意為?為了顯示宗教在人們生活中的重要性?，選項(xiàng)B意為?為了支持人們從臉書上搜集信息的觀點(diǎn)?，選項(xiàng)C意為?為了舉例說明研究中預(yù)測的信息?，選項(xiàng)D意為?為了說明有宗教信仰的人所占的百分比?，根據(jù)上下文，[單選題]7.蛋白質(zhì)是一類極為復(fù)雜的含氮化合物，它是構(gòu)成生物體的主要成分，是構(gòu)成細(xì)胞的基本物質(zhì)材料，一般占生物體干物質(zhì)重的（）。A)0.5%B)9%C)50%D)95%答案:C解析:蛋白質(zhì)是細(xì)胞結(jié)構(gòu)的主要物質(zhì)，含量占細(xì)胞干物質(zhì)的50%。[單選題]8.Tomeettheethicalrequirements,theparticipantswereinformedthattheirinvolvementinthestudywasvoluntaryandthattheirpersonalprivacywouldbetreated______.A)confidentiallyB)proudlyC)confidentlyD)secretly答案:A解析:本題考查近義詞辨析。題目意為?為了滿足道德要求，參與者被告知他們可以自愿參與研究，并且個(gè)人隱私將得到____處理。?A選項(xiàng)?保密地?，B選項(xiàng)?自豪地?，C選項(xiàng)?自信地?，D選項(xiàng)?秘密地?。根據(jù)題干，研究會(huì)將個(gè)人隱私保密處理，故A選項(xiàng)符合題意。[單選題]9.20世紀(jì)40年代末，美國物理學(xué)家（）等提出了大爆炸宇宙模型，認(rèn)為宇宙起源于160億年前溫度和密度極高的?原始火球?的一次大爆炸。A)愛因斯坦B)奧本海默C)伽莫夫D)霍金答案:C解析:20世紀(jì)40年代末，出身于俄國的美國物理學(xué)家伽莫夫發(fā)揮了勒梅特的思想，認(rèn)為宇宙起始于一個(gè)極端高溫、高密度的?原始火球?，答案為C。[單選題]10.______ATA-100,eachpageisidentifiedbyathreeelementnumberandapagenumber.A)AccordingwithB)InaccordancewithC)ToD)Inaccordingto答案:B解析:本題考察according/accordance的用法，常見用法是accordingto和inaccordancewith，兩者都有?根據(jù)、依據(jù)?的意思，區(qū)別在于accordingto比較隨意,inaccordancewith則多用于比較正式的問題,比如法律文件。題目意為?根據(jù)ATA-100,每一頁由一個(gè)三元數(shù)和一個(gè)頁碼數(shù)來界定。?[單選題]11.商業(yè)銀行的存款經(jīng)營在（）的商業(yè)銀行表現(xiàn)得最為明顯。A)英國B)美國C)新加坡D)韓國答案:B解析:商業(yè)銀行的存款經(jīng)營就是在一定的金融法規(guī)監(jiān)管條件下，充分組織銀行的人力、物力來創(chuàng)造新的金融產(chǎn)品并將其銷售出去的過程。這一點(diǎn)在美國的商業(yè)銀行表現(xiàn)得最為明顯。[單選題]12.下列不屬于期貨交易的主要特征的是（）。A)期貨交易以在期貨交易所內(nèi)買賣期貨合約的方式進(jìn)行B)期貨合約是由期貨交易所制定的標(biāo)準(zhǔn)化合約C)實(shí)物交割率高D)實(shí)行保證金制度答案:C解析:期貨交易的特征有五個(gè)，題中A、B、D三項(xiàng)均是其特征之一，而C項(xiàng)錯(cuò)誤。因?yàn)槠谪浐霞s的完結(jié)并不一定要實(shí)際交貨，買賣期貨合約者在規(guī)定的交割日期前任何時(shí)期都可以通過數(shù)量相同、方向相反的交易將持有的合約抵消，無須履行實(shí)際交貨義務(wù)，故實(shí)物交割率低。[單選題]13.我國對資本主義工商業(yè)進(jìn)行社會(huì)主義改造的政策是（）。A)無償沒收B)限制民族工商業(yè)C)和平贖買D)保護(hù)民族工商業(yè)答案:C解析:中國民族資本主義經(jīng)濟(jì)在由新民主主義向社會(huì)主義的過渡時(shí)期具有兩面性，既有有利于國計(jì)民生的一面，又有不利于國計(jì)民生的一面；中國民族資產(chǎn)階級(jí)相應(yīng)也具有兩面性。在對資本主義工商業(yè)進(jìn)行社會(huì)主義改造的過程中，中國共產(chǎn)黨對資本主義工商業(yè)采取利用、限制、改造的政策，對資產(chǎn)階級(jí)采取和平贖買政策。中國對資本主義工商業(yè)的改造包括對資產(chǎn)階級(jí)分子的改造，使剝削者逐步轉(zhuǎn)變?yōu)樯鐣?huì)主義的勞動(dòng)者。隨著資本主義工商業(yè)改造的完成，資產(chǎn)階級(jí)作為一個(gè)階級(jí)被消滅了。[單選題]14.FTP是Internet中（）。A)發(fā)送電子郵件的軟件B)瀏覽網(wǎng)頁的工具C)用來傳送文件的一種服務(wù)D)一種聊天工具答案:C解析:FTP(Fi1eTransferProtoc01)，是文件傳輸協(xié)議的簡稱，用于Internet上的控制文件的雙向傳輸。[單選題]15.在一般情況下，廠商得到的價(jià)格若低于以下（）就停止?fàn)I業(yè)。A)平均成本B)平均可變成本C)邊際成本D)平均固定成本答案:B解析:當(dāng)廠商的平均收益AR等于平均可變成本AVC時(shí)，廠商可以繼續(xù)生產(chǎn)，也可以不生產(chǎn)，也就是說，廠商生產(chǎn)或不生產(chǎn)的結(jié)果都是一樣的。所以當(dāng)價(jià)格等于AVC時(shí)成為停止?fàn)I業(yè)點(diǎn)或者是關(guān)閉點(diǎn)。[單選題]16.資料：HowdidTencenttakeWeChatsofaraheadofitsrivals?Theanswerliespartlyinthepeculiaritiesofthelocalmarket.UnlikemostWesterners,manyChinesepossessedmultiplemobiledevices,andtheyquicklytooktoanappthatofferedthenaneasywaytointegratethemallintoasingledigitalidentity.InAmericamessagingappshadapotentcompetitorintheformofbasicmobile-phoneplans,whichbundiedinSMSmessaging.ButtextmessageswerecostlyinChina,soconsumerseagerlyadoptedfreemessagingapp.Ande-mailnevertookoffonthemainlandthewayithasaroundtheworld,mainlybecausetheinternetcamelate;thatleftanopeningformessagingapps.ButthebiggerexplanationforWechat'sriseisTencent'sabilitytoinnovate.ManyChinesegrewupusingQQ,aPC-basedmessagingplatformofferedbyTencentthatstillhasover800mregisteredusers.QQwasacopyofICQ,apioneeringIsraeliMessagingservice.ButthenChineseimitatorlearnedtothinkforitself.Spottingthecomingriseoftheinternet.Tencentchallengedseveralinternalteamstodesignanddevelopasmartphone-onlymessagingapp.TheQQinsiderscameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanotherteamofoutsiders（fromajust-acquiredfirm）cameupwithWeixin.WhenTencentlaunchedthenewapp,itmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda?redpacket?campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilytocelebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwascleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanofAndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,ofteninrandomizedamounts.Accordingtothepassage,thesuccessofWeixinmainlyattributesto______.A)QQ?sstronguserbase.B)thelackofcompetitors.C)localmarketopportunityandinnovation.D)alloftheabove.答案:C解析:本題考查的是細(xì)節(jié)理解?！娟P(guān)鍵詞】successofWeixin；attributeto（歸因于）【主題句】第1自然段Theanswerliespartlyinthepeculiaritiesofthelocalmarket.答案一部分在于當(dāng)?shù)厥袌龅奶厣５?自然段ButthebiggerexplanationforWechat?sriseisTencent?sabilitytoinnovate.但是微信崛起的更重要原因在于騰訊的創(chuàng)新能力。題干意為?微信的成功主要?dú)w因于什么？?根據(jù)文章第1自然段，微信的成功在于當(dāng)?shù)厥袌龅奶厣丛S多中國人擁有多個(gè)移動(dòng)設(shè)備，并且給手機(jī)安裝一種他們喜歡的應(yīng)用。同時(shí)，短信在中國的費(fèi)用較高，所以消費(fèi)者會(huì)渴望安裝免費(fèi)的信息軟件。在第2自然段提到了另一個(gè)成功的原因，即騰訊的創(chuàng)新能力，只有選項(xiàng)C涵蓋兩點(diǎn)原因。選項(xiàng)A意為?QQ巨大的用戶基礎(chǔ)?，選項(xiàng)B意為?缺少競爭者?，均不符合題意。[單選題]17.()是馬克思主義哲學(xué)的建構(gòu)原則，也是馬克思主義哲學(xué)的核心內(nèi)容。A)辯證唯物主義B)科學(xué)的實(shí)踐觀C)實(shí)事求是D)唯物辯證法答案:B解析:科學(xué)的實(shí)踐觀是馬克思主義哲學(xué)的構(gòu)建原則，也是馬克思主義哲學(xué)的核心內(nèi)容。[單選題]18.ChineseInternetuserstendtousemoreproperandskillfulsearchmeansforlocatingkeywordsandhandlingsearchenginesthantheirJapanese______.A)counterpartsB)friendsC)pioneersD)classmates答案:A解析:本題考查近義詞辨析。題目意為?與他們的日本____相比，中國互聯(lián)網(wǎng)用戶傾向于使用更加恰當(dāng)和熟練的搜索方式來查找關(guān)鍵字和處理搜索引擎。?A選項(xiàng)?與另一方作用相當(dāng)?shù)奈?，B選項(xiàng)?朋友?，C選項(xiàng)?開拓者?，D選項(xiàng)?同學(xué)?。根據(jù)題干，ChineseInternetusers（中國互聯(lián)網(wǎng)用戶）與Japanese（日本用戶）相對應(yīng)，因此A選項(xiàng)符合題意。[單選題]19.所謂貿(mào)易小國就是指（）。A)貿(mào)易絕對量很小的國家B)國土面積很小的國家C)人口規(guī)模較小的國家D)該國某種商品的進(jìn)出口量占世界進(jìn)出口總量的比重較小答案:D解析:貿(mào)易小國不是指幅員狹小的國家，而是世界貿(mào)易比重小、其進(jìn)出口量變動(dòng)不足以影響國際貿(mào)易價(jià)格的國家．所以它們是國際貿(mào)易條件的接受者。[單選題]20.如果在其他條件不變的情況下，一家企業(yè)降低其商品價(jià)格的后發(fā)現(xiàn)總收益減少，這意味著該種商品（）。A)需求富有彈性B)需求缺乏彈性C)收入彈性大于1D)缺乏收入彈性答案:B解析:總收入TR=PQ。若需求彈性大于1，則價(jià)格與總收益反方向變化；若需求彈性小于1，則價(jià)格與總收益同方向變化。在其他條件不變的情況下，一家企業(yè)降低其商品價(jià)格后發(fā)現(xiàn)總收益減少，則價(jià)格與總收益同方向變化，需求彈性小于1，即該種商品需求缺乏彈性。[單選題]21.下面關(guān)于定期存款計(jì)息規(guī)則說法正確的是（）。A)逾期支取的定期儲(chǔ)蓄存款，超過原定存期的部分，除約定自動(dòng)轉(zhuǎn)存外，按支取日掛牌公告的活期儲(chǔ)蓄存款利率計(jì)付利息B)逾期支取的定期儲(chǔ)蓄存款，超過原定存期的部分，除約定自動(dòng)轉(zhuǎn)存外，按開戶日掛牌公告的定期存款利率計(jì)付利息C)提前支取的定期儲(chǔ)蓄存款，全部按活期存款利率計(jì)付利息D)存期內(nèi)遇有利率調(diào)整，按當(dāng)日掛牌公告的定期存款利率計(jì)息答案:A解析:提前支取的定期儲(chǔ)蓄存款，只有支取部分按活期存款利率計(jì)付利息，提前支取部分的利息同本金一并支取，故C選項(xiàng)錯(cuò)誤。存期內(nèi)遇有利率調(diào)整，仍按存單開戶日掛牌公告的相應(yīng)定期存款利率計(jì)息，故D選項(xiàng)錯(cuò)誤。逾期支取的定期儲(chǔ)蓄存款，超過原定存期的部分，除約定自動(dòng)轉(zhuǎn)存外，按支取日掛牌公告的活期儲(chǔ)蓄存款利率計(jì)付利息，故A選項(xiàng)正確，B選項(xiàng)錯(cuò)誤。[單選題]22.資料：Faces,likefingerprints,areunique.Didyoueverwonderhowitpossibleforustorecognizepeople?Evenaskilledwriterprobablycouldnotdescribeallthefeaturesthatmakeonefacedifferentfromanother.Yetaveryyoungchildorevenananimal,suchasapingeoncanlearmtorecognizefaces.Wealltakethisabilityforgranted.Wealsotellpeopleapartbyhowtheybehave.Whenwetalkaboutsomeone?spersonality,wemeanthewaysinwhichheorsheacts,speaks,thinksandfeelsthatmakethatindividualdifferentfromothers.Likethehumanfacehumanpersonalityisverycomplex.Butdescribingsomeone?speronalityinwordsissomewhateasierthandescribinghisface.Ifyouwereaskedtodescribewhatanicefacelookedlike,youprobablywouldhaveadifficulttimedoingso.Butifyouwereaskedtodescribeaniceperson,youmightbegintothinkaboutsomeonewhowaskind,consideratefriendly,warm,andsoforth.Therearemanywordstodescribehowapersonthinks,feelsandacts.GordonAllports,anAmericanpsychologist,foundnearly18,000Englishwordscharacterizingdifferencesinpeople?sbehavior.Andmanyofususethisinformationasabasisfordescribingortyping,hispersonality.Bookworms,conservatives,militarytypes--peoplearedescribedwithsuchterms.Peoplehavealwaystriedtotypeeachother.ActorsinearlyGreekdramaworemaskstoshowtheaudiencewhethertheyplayedthevillain?sorthehero?srole.Infact,thewordspersonandpersoalitycomefromtheLatinpersona,meaningmask.Today,mosttelevisionandmovieactorsdonotwearmasks.Butwecaneasilytellthegoodguysfromthebadguysbecausethetwotypesdifferinappearanceaswellasinactions.Theauthorismostprobablya_______A)psychologistB)behavioristC)writerD)sociologist答案:A解析:本題考查的是細(xì)節(jié)推理。【關(guān)鍵詞】author【主題句】第一段Didyoueverwonderhowitpossibleforustorecognizepeople?（你是否對我們?nèi)绾巫R(shí)別人而感到疑惑？）；第二段Wealsotellpeopleapartbyhowtheybehave.（我們也能通過人們的舉止來區(qū)分。）第三段Likethehumanface,humanpersonalityisverycomplex.（就像人臉一樣，人類的個(gè)性非常復(fù)雜。）第四段Gordonallports,anAmericanpsychologist…（Gordonallports是一位美國的心理學(xué)家。）第2題問?作者最有可能從事什么職業(yè)？?。根據(jù)整篇文章內(nèi)容，該文講述了區(qū)分不同人的方法：外貌和行為個(gè)性。四個(gè)選項(xiàng)哪個(gè)選項(xiàng)是研究人類行為的呢？A選項(xiàng)?心理學(xué)家?，他是研究人類行為的專家，心理學(xué)家關(guān)心人們?yōu)槭裁茨菢铀枷耄菢有袆?dòng)。所以A為正確答案。B選項(xiàng)?行為主義者?，他們的主要觀點(diǎn)是認(rèn)為心理學(xué)不應(yīng)該研究意識(shí)，只應(yīng)該研究行為，把行為與意識(shí)完全對立起來。B選項(xiàng)過于片面，所以排除；C選項(xiàng)?作家?，該選項(xiàng)過于籠統(tǒng)，應(yīng)該選擇帶有某一專業(yè)背景的人物，故排除；D選項(xiàng)?社會(huì)學(xué)家?，他們是觀察和分析社會(huì)的方式，和原文不符，排除。此外，文章第四段舉例處提到一位美國的心理學(xué)家，所以該文作者也應(yīng)該是研究該領(lǐng)域的一位學(xué)者。[單選題]23.Bilateralrelationshaveenteredanewstageofdevelopmentbothintermsof_____andbreadth.A)profundityB)dimensionC)implicationD)innovation答案:A解析:本題考查詞語意思。題目意為?兩國關(guān)系無論是在深度還是廣度上都進(jìn)入了一個(gè)新的發(fā)展階段。?A項(xiàng)意為?深度、深刻?。B項(xiàng)意為?方面、維度?。C項(xiàng)意為?含義、暗示?。D項(xiàng)意為?創(chuàng)新、革新?。因此選A項(xiàng)，無論是在深度還是廣度上。[單選題]24.剩余價(jià)值率反映的是（）。A)不變資本的價(jià)值增值程度B)資本家對工人的剝削程度C)固定資本的價(jià)值增值程度D)預(yù)付資本的價(jià)值增值程度答案:B解析:剩余價(jià)值率是剩余價(jià)值和可變資本的比率。剩余價(jià)值率還可以用剩余勞動(dòng)時(shí)間與必要?jiǎng)趧?dòng)時(shí)間的比率來表示。剩余價(jià)值率體現(xiàn)了資本家剝削工人的程度，所以又稱為剝削率。[單選題]25.資料：Britainisfacinga?crisisoffatherlessness?inwhichalmosthalfofallchildrenborntodaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthethinktankfoundedbyIainDuncanSmithhaswarned.AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister,arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenandboostedcognitiveskillsincludingreasoningandlanguagedevelopment.Cookclaimedtherewastoomuchofa?throwawayculture?toparenting,adding:?Overthelast40years,themeteoricriseinfamilybreakdownhasblighted（損害）thelivesofthepoorestchildrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,howwelltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsasadults.?Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedthatacultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceofparentingoncecoupleshadseparated.?Weneedasocietalshiftinperspectivefromregardingfathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild?slife.?hesaid.Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotentialimpactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.Histhinktank?sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenotlivingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educationalfailure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthemosttalentedchildrenfrompoorerfamilies.TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM'spovertyadviser,saidthehopeofthepreviousstrategywasto?startaparentingrevolution--fortoolongpoliticianslookedawayasfamilyinstabilityandpoorchilddevelopmentblightedlivesinthepoorestneighbourhoods?.?Parentswantwhat'sbestfortheirchildren,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwewanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthyrelationships?.Wecaninferthatthe?throwawayculture?may______.A)resultintherapidincreaseoffamilybreakdownB)underminetherelationshipbetweenfatherandchildC)affectself-esteemofkidsfromthepoorestfamilyD)transmitthetraditionalroleoffathersinthefamily答案:B解析:本題考查的是推理判斷?！娟P(guān)鍵詞】inferthat;the?throwawayculture?may【主題句】第3段Cookclaimedtherewastoomuchofa?throwawayculture?toparenting,adding:?Overthelast40years,themeteoricriseinfamilybreakdownhasblightedthelivesofthepoorestchildrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,howwelltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsasadults.?庫克聲稱，養(yǎng)育子女中存在著太多的?丟棄文化?，并補(bǔ)充說：?在過去的40年里，家庭破裂的迅速增長最大程度地摧毀了最貧困兒童的生活。這些孩子與父親的關(guān)系會(huì)影響他們的自尊，他們在學(xué)校的表現(xiàn)如何，甚至是否能夠像成年人一樣形成快樂持久的關(guān)系。?本題的問題是?我們可以推斷?丟棄文化?______?。選項(xiàng)A意為?導(dǎo)致家庭破裂迅速增加?；選項(xiàng)B意為?破壞父子關(guān)系?；選項(xiàng)C意為?影響最貧困家庭的孩子的自尊?；選項(xiàng)D意為?傳播父親在家庭中的傳統(tǒng)角色?。根據(jù)主題句，選項(xiàng)A是造成?丟棄文化?出現(xiàn)的背景，而非?丟棄文化?產(chǎn)生的結(jié)果，出現(xiàn)本末倒置，故錯(cuò)誤；選項(xiàng)B，根據(jù)主題句，可以推測?丟棄文化?會(huì)破壞父子之間關(guān)系，故正確；選項(xiàng)C與主題句中一致，可以直接得出，不需要推斷，故錯(cuò)誤；選項(xiàng)D與主題句意思相悖，?丟棄文化?會(huì)造成父子隔離，不利于傳播父親角色，故錯(cuò)誤。[單選題]26.我國儲(chǔ)蓄存款的原則是（）。A)實(shí)行統(tǒng)一的利率政策B)存款自愿，取款自由，存款有息，為儲(chǔ)戶保密C)實(shí)行鼓勵(lì)政策D)實(shí)行保護(hù)政策答案:B解析:《儲(chǔ)蓄管理?xiàng)l例》規(guī)定：儲(chǔ)蓄機(jī)構(gòu)辦理儲(chǔ)蓄業(yè)務(wù)，必須遵循?存款自愿，取款自由，存款有息，為儲(chǔ)戶保密?的原則。[單選題]27.?搭便車?現(xiàn)象是對下列（）的一種形象的比喻。A)社會(huì)福利問題B)市場失靈問題C)公共物品問題D)以上都是答案:C解析:公共物品具有非競爭性和非排他性，?搭便車?行為是對公共物品的非排他性的形象比喻。搭便車?yán)碚撌紫扔擅绹?jīng)濟(jì)學(xué)家曼柯．奧爾遜于l965年發(fā)表的《集體行動(dòng)的邏輯：公共利益和團(tuán)體理論》一書中提出，其基本含義是不付成本而坐享他人之利．[單選題]28.質(zhì)押與抵押最重要的區(qū)別為（）。A)抵押權(quán)可重復(fù)設(shè)置，質(zhì)權(quán)不可B)抵押權(quán)不轉(zhuǎn)移標(biāo)的占有，質(zhì)權(quán)必須轉(zhuǎn)移標(biāo)的占有C)抵押權(quán)人無保管標(biāo)的義務(wù)，質(zhì)權(quán)人負(fù)有善良管理人注意義務(wù)D)抵押權(quán)標(biāo)的為動(dòng)產(chǎn)和不動(dòng)產(chǎn)，質(zhì)權(quán)標(biāo)的是動(dòng)產(chǎn)和財(cái)產(chǎn)權(quán)利答案:B解析:抵押權(quán)的設(shè)立不轉(zhuǎn)移抵押標(biāo)的物的占有，而質(zhì)權(quán)的設(shè)立必須轉(zhuǎn)移質(zhì)押標(biāo)的物的占有。這是質(zhì)押與抵押最重要的區(qū)別。[單選題]29.李某為其子投保了以死亡為給付保險(xiǎn)金條件的人身保險(xiǎn)，期限5年，保費(fèi)已一次繳清。兩年后其子因搶劫罪被判處死刑并已執(zhí)行。李某要求保險(xiǎn)公司履行賠付義務(wù)。對此，保險(xiǎn)公司應(yīng)（）。A)依照合同規(guī)定給付保險(xiǎn)金B(yǎng))根據(jù)李某已付保費(fèi)，按照保單的現(xiàn)金價(jià)值予以退還C)可以不承擔(dān)給付保險(xiǎn)金的義務(wù)，也不返還保險(xiǎn)費(fèi)D)可以解除合同，但應(yīng)全額返還保險(xiǎn)費(fèi)答案:B解析:《保險(xiǎn)法》第45條規(guī)定：?因被保險(xiǎn)人故意犯罪或者抗拒依法采取的刑事強(qiáng)制措施導(dǎo)致其傷殘或者死亡的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任。投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照合同約定退還保險(xiǎn)單的現(xiàn)金價(jià)值。?[單選題]30.金融市場按交易性質(zhì)可劃分為()。A)發(fā)行市場和流通市場B)國際金融市場和國內(nèi)金融市場C)有形金融市場和無形金融市場D)拆借市場和貼現(xiàn)市場答案:A解析:金融市場按交易性質(zhì)劃分為發(fā)行市場和流通市場。發(fā)行市場，也稱一級(jí)市場，是新證券發(fā)行的市場；流通市場，也稱二級(jí)市場，是已經(jīng)發(fā)行、處在流通中的證券的買賣市場。[單選題]31.貨幣當(dāng)局提高法定準(zhǔn)備金比率會(huì)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)貨幣需求減少答案:B解析:貨幣當(dāng)局提高法定準(zhǔn)備金比率，商業(yè)銀行一部分超額準(zhǔn)備金會(huì)轉(zhuǎn)化為法定準(zhǔn)備金，商業(yè)銀行放款能力降低，貨幣乘數(shù)變小，貨幣供給減少。[單選題]32.2009年4月23日，中國人民解放軍海軍在（）舉行慶祝人民海軍成立60周年海上閱兵式。A)青島B)大連C)上海D)威海答案:A解析:[單選題]33.資料：HappywoodspritesknowsthewaytoFenghuangcity.HappywoodspriteswillholdabigpartyalongtheSpiritLaketonightTheSpiritLakeislocatedinNorth-eastofhereThedensityoftreebranchesandleavescouldtelldirection.Generally,thedirectionthathasMorebranchesandleavesisthesouth.Accordingtoastrology,youcoulddeterminedirection.Firstly,youshouldfindtheadleBigDipper.InthedirectionofthehandleyoucanfindPoiarisandthatdirectionisthenorth.打開信封，里面是一個(gè)請柬ArecitalofpoemsbyBarbieMariposathatretelllegendsfromthetribalcultureoftheSpiritLake.AccompanimentbyHappywoodspriteswhowillbeplayingharpnativespiritLakeinstrumentsfromhisprivatecollectionGreenspinachsaladwithvinaigrettedressingCreamofmushroomsoupGrilledsalmonwithchoiceofeitherroastedsquashorsteamedbroccoliLemonmeringuetartDinnerwillstartpromptlyatmidnightandendbeforesunriseisTreeHouseofSpiritLake.FormalDressingrequires.WhatwillHappywoodspritescontributetotheevent?A)DancesB)PoetryC)PaintingsD)Music答案:D解析:本題考查細(xì)節(jié)理解。【關(guān)鍵詞】Happywoodsprites;contributeto【主題句】請柬中：AccompanimentbyHappywoodspriteswhowillbeplayingharp?快樂的木精靈彈奏著豎琴伴奏……?本題問的是?快樂的木精靈可以為晚會(huì)帶來什么？?。根據(jù)主題句可知是音樂，故選項(xiàng)D正確。[單選題]34.以下不屬于貨幣政策?三大法寶?的是（）。A)再貼現(xiàn)B)利率政策C)存款準(zhǔn)備金D)公開市場業(yè)務(wù)答案:B解析:在公開市場業(yè)務(wù)、存款準(zhǔn)備金、再貼現(xiàn)與再貸款、利率政策、匯率政策和窗口指導(dǎo)6大類貨幣政策工具中，公開市場業(yè)務(wù)、存款準(zhǔn)備金、再貼現(xiàn)被稱為貨幣政策?三大法寶?。[單選題]35.資料：TaikongCitywasfoundedbythedormunsabout50AD.ItsnameisderivedfromaCethicworldwhichmeansthepieceoftheboldone.AftertheyinvadedBlitonin43ADtheDormonsbuiltabridgeacrosstheThemasRiver.Theylaterdecideditwasanexcellentplacetobuiltaport.Thewaterwasdeepenoughforoceangoingshipsbutitwasfarenoughinlandtobesafefromotherraiders.Around50ADDormonsmerchantsbuiltatownbythebridge.SoTaikongCitywasborn.Therewasnotastonewallaroundtheearlysettlementbuttheremayhavebeenaditchandanearthramepartwithawoodenpalisadeontop.Thenin61ADQueenBoudialedarebellionagainsttheDormuns.HerarmymarchedonTaikongCity.NoattemptwasmadetodefendTaikongCity.BoudiaburnedTaikongCitybutafterherrebellionwascrushedawasrebuilt.Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.Bytheendofthe2ndcenturystonewallwaserectedaroungTaikongCity.Thewallwas20feethigh.Outsidethewallwasaditch.Inthemiddleofthe3rdcentury20bastionswereaddedtothewalls（asemi-circulartowerprojectingfromthewall）.Whichofthefollowingstatementsistrueaccordingtothepassage?A)QueenBoudiamadegreatcontributiontoTaikongCityB)Itwasnotuntilthemiddleofthe3rdcenturythatthebastionswerebuiltonthestonewalls.C)Bytheendofthe2ndcentury.mostpeoplelivedinthewoodenhouses.D)缺答案:B解析:本題考查細(xì)節(jié)理解?！娟P(guān)鍵詞】true【主題句】第3自然段Thenin61ADQueenBoudialedarebellionagainsttheDormuns.HerarmymarchedonTaikongCity.NoattemptwasmadetodefendTaikongCity.BoudiaburnedTaikongCitybutafterherrebellionwascrushedawasrebuilt.Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.然后在公元61年，Boudia（布迪亞）女王領(lǐng)導(dǎo)了反對Dormuns（多姆斯）的叛亂。她的軍隊(duì)在Taikong城進(jìn)軍。沒有人試圖保衛(wèi)Taikong城。Boudia（布迪亞）燒毀了Taikong城，但是在她的叛亂被擊垮后，重建了一座城。富裕的人用石頭或磚瓦蓋房，屋頂鋪著瓦片，但大多數(shù)人住在木屋里。Inthemiddleofthe3rdcentury20bastionswereaddedtothewalls（asemi-circulartowerprojectingfromthewall）.?在公元3世紀(jì)中葉，20個(gè)堡壘被添加到城墻上（從墻上投射出一個(gè)半圓形的塔樓）?本題問的是?根據(jù)這篇文章，以下哪一個(gè)是正確的Thenin61ADQueenBoudialedarebellionagainsttheDormuns.HerarmymarchedonTaikongCity.NoattemptwasmadetodefendTaikongCity.BoudiaburnedTaikongCitybutafterherrebellionwascrushedawasrebuilt.Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.然后在公元61年，Boudia（布迪亞）女王領(lǐng)導(dǎo)了反對Dormuns（多姆斯）的叛亂。她的軍隊(duì)在Taikong城進(jìn)軍。沒有人試圖保衛(wèi)Taikong城。Boudia（布迪亞）燒毀了Taikong城，但是在她的叛亂被擊垮后，重建了一座城。富裕的人用石頭或磚瓦蓋房，屋頂鋪著瓦片，但大多數(shù)人住在木屋里。?選項(xiàng)A意為?Boudia女王為Taikong城做出了巨大的貢獻(xiàn)?。根據(jù)原文可知，Boudia女王發(fā)動(dòng)了叛亂并且燒毀Taikong城。（BoudiaburnedTaikongCity）；選項(xiàng)B意為?直到3世紀(jì)中期，堡壘才建在石墻上?；結(jié)合主題句，故正確。根據(jù)原文可知，選項(xiàng)C意為?2世紀(jì)末期，大多數(shù)人居住在木房子里。?根據(jù)原文可知，Boudia女王燒毀Taikong城后，Taikong城開始重建，富人們用磚瓦砌成的房子，但大多數(shù)人都住在木房子里。（Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.）選項(xiàng)C時(shí)間與原文不符。[單選題]36.資料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflightsFriday,April11,2008ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNewsAmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheistaking?personalresponsibility?forthebadmaintenancethathasforcedthecarriertocancelsome3,000flightsthisweekforaircraftinspections.MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,whenAmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-basedcarrierhascanceled570flightsscheduledtoday.?Irunthecompany.?Mr.Arpeytoldreportersatanafternoonnewsconference.?soifthere?sanyblametobehad,itismyfault,andItakefullresponsibilityforthis.?Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectorsandengineersworkedtoensurethatthecarrier?sfleetof300MD-80jetswouldmeetFederalAviationAdministration（FAA）regulations.TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptionstocontinueintotheweekend,althoughanairlinespokesmansaidSaturday?scancellationsshouldbefewerthantoday?s.OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmorethan18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnessesintherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.TheFAAhassaidinrecentdaysthatitsenforcementhasn?tchangedorbecomestricter.ButSenatorKayBaileyHutchisonsaidairlineshavetoldherthey?venoticeddifferenc