2024年全國(guó)銀行招聘之銀行招聘綜合知識(shí)考試綜合能力題詳細(xì)參考解析x - 招聘面試技巧與要點(diǎn)

姓名:_________________編號(hào):_________________地區(qū):_________________省市:_________________ 密封線 姓名:_________________編號(hào):_________________地區(qū):_________________省市:_________________ 密封線 密封線 全國(guó)銀行招聘考試重點(diǎn)試題精編注意事項(xiàng):1.全卷采用機(jī)器閱卷，請(qǐng)考生注意書寫規(guī)范；考試時(shí)間為120分鐘。2.在作答前，考生請(qǐng)將自己的學(xué)校、姓名、班級(jí)、準(zhǔn)考證號(hào)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(qǐng)按照題號(hào)在答題卡上與題目對(duì)應(yīng)的答題區(qū)域內(nèi)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。(參考答案和詳細(xì)解析均在試卷末尾)一、選擇題

1、宏觀經(jīng)濟(jì)指標(biāo)是體現(xiàn)經(jīng)濟(jì)情況的一種方式，下列指標(biāo)中屬于金融指標(biāo)的是（）。A.貨幣供應(yīng)量B.消費(fèi)物價(jià)指數(shù)C.國(guó)民生產(chǎn)總值D.社會(huì)消費(fèi)品零售總額

2、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”.WhatdoesChristianGuyimplyinthelastparagraph?A.PoliticiansshouldcallonaparentingrevolutionB.GovernmentmayhavefailedtokeepfamiliesstableC.Onlyrichparentscanoffertheirchildrenwhat'sthebestD.Parentingadviceisofteninaccessibletopoorfamilies

3、貸款呆賬(損失)準(zhǔn)備金計(jì)提范圍不應(yīng)該包括的項(xiàng)目是()。A.各項(xiàng)貸款B.應(yīng)收利息C.貼現(xiàn)D.同業(yè)拆出

4、個(gè)人計(jì)算機(jī)內(nèi)存的大小主要由（)決定。A.RAM芯片的容量B.軟盤的容量C.硬盤的容量D.CPU的位數(shù)

5、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentanapartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarketgame",investing（投資）thehypothetical（虛擬的）earningsfromtheirhypotheticaljobsinthemarketinthedisastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegottoknowhowitfelttolosemoney."Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywanttoteach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teachingstudentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit'stooearlytomeasurethefullinfluenceoftheGreatRecession（大蕭條）,theinterestinpersonal-financeclasseshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystatesincludingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduatefromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclassesforkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonlinepersonal-financeclassesforincomingstudents."Theseclassesreallysay,'Thisishowyouliveindependently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basicsapproachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalaryintoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-termgains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurantintoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutsoeasytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalsowantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyedaboutgaspricesbecausemanyofthemdrivecars.ButthehardpartisurgingthemtoputofftheinstantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthingsteenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,abusinessandmarketingteacheratUth’sRivertonHighSchool.That’sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheirparentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehasincreasedupto4.2percent,that’sstillafardistancefrom1982,whenAmericanssaved11.2percentoftheirincomes.“It’shardforschoolstoreachstrictmoney-managementskillswhenteenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It’sliketellingyourkidsnottosmokeandthenlightingupacigaretteinfrontofthem,”Becksays.Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolisworthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocalbankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollege.“Shejusthasabetterunderstandingofmoneyandhowitaffectstheworld,”sayshermother,Darleen－andthat’ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AllofthistalkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.36.The“stockmarketgame”mentionedinParagraph1ismeantto（）.AintroduceanewcoursetostudentsBhelpstudentslearnaboutinvestmentCteachhowtoapplyforacreditcardDencouragestudents’personalsavingsAftercompletingthefinancialclass,DianeRayislikelyto（）.A.payoffallherdebtsB.handlehermoneybetterC.findajobinabankD.managethefamilyincome

6、Passage2Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2.Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（網(wǎng)絡(luò)攻擊）.AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections.Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—suchaslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessaryAccordingtothefirsttwoparagraphs,whatwillbanksinEuropebeforcedtodo（）A.Tokeepclient’sdatasafeB.ToclosedownthepoorservicesC.TogiveuptheirdatamonopolyD.Todisclosetheirsourcesofprofits

7、某集團(tuán)下屬甲、乙兩家公司，甲公司準(zhǔn)備吸收合并乙公司，乙公司的凈資產(chǎn)賬面價(jià)格是3000萬元，甲公司發(fā)行5000萬股(每股1元)進(jìn)行對(duì)價(jià)支付。合并完成后，甲公司需要沖減資本公積（）。A.3000萬B.1000萬C.不需要沖減資本公積D.2000萬

8、Exce1的工作表中，通常情況下列標(biāo)記是（），行標(biāo)記是（）。A.字母、數(shù)字B.數(shù)字、字母C.漢字、數(shù)字D.數(shù)字、漢字

9、在Word編輯狀態(tài)下，“剪切”、“復(fù)制”、“粘貼”操作的組合鍵分別是（）。A.Ctr14-X、Ctr14-V、Ctr1-4-CB.Ctr1手D，Ctr14-C.Ctr14-VCCtr14-X、Ctr14-CCtr14-VD.Ctr14-V，Ctr14-C

10、商業(yè)銀行新的業(yè)務(wù)運(yùn)營(yíng)模式的核心是（）。A.督導(dǎo)責(zé)任制B.設(shè)綜合窗口C.前后臺(tái)分離D.全方位立體化

11、下列各項(xiàng)中，符合會(huì)計(jì)要素收入定義的是（）。A.出售材料收入B.出售無形資產(chǎn)凈收益C.出售固定資產(chǎn)凈收益D.向購(gòu)貨方收取的增值稅銷項(xiàng)稅額

12、根據(jù)蒙代爾的國(guó)際收支政策配合理論，當(dāng)某國(guó)處于國(guó)際收支順差、國(guó)內(nèi)經(jīng)濟(jì)膨脹的經(jīng)濟(jì)狀態(tài)時(shí)，應(yīng)搭配財(cái)政政策和貨幣政策。（）A.緊縮性的；擴(kuò)張性的B.擴(kuò)張性的：擴(kuò)張性的C.擴(kuò)張性的；緊縮性的D.緊縮性的；緊縮性的

13、對(duì)擅自使用與知名商品相近似的名稱、包裝、裝潢，造成和他人的知名商品相似使購(gòu)買者誤認(rèn)為是該知名商品的行為判斷，所依據(jù)的是（）。A.《商標(biāo)法》B.專利法》C.《消費(fèi)者權(quán)益保護(hù)法》D.《反不正當(dāng)競(jìng)爭(zhēng)法》

14、為了回避外匯風(fēng)險(xiǎn)，在籌借和償還時(shí)分別應(yīng)選擇（）。A.幣值趨勢(shì)上升的硬貨幣、幣值趨勢(shì)趨跌的軟貨幣B.幣值趨跌的軟貨幣、幣值趨升的硬貨幣C.幣值趨升的軟貨幣、幣值趨跌的硬貨幣D.幣值趨跌的硬貨幣、幣值趨升的軟貨幣

15、債券與股票的共同點(diǎn)是（）。①都是能獲得一定收益的有價(jià)證券②都是籌集資金的手段③受益權(quán)相同④性質(zhì)相同，都是投入公司的資金的所有權(quán)證書A.①②B.②③C.①③D.②④

16、下列關(guān)于公文分類的說法正確的是（）。A.《黨政機(jī)關(guān)公文處理工作條例》按適用范圍將公文分為17種B.按公文的來源?？煞譃槭瘴暮桶l(fā)文兩種C.按涉及機(jī)密的程度，保密公文分為絕密件、秘密件、普通件D.按辦文時(shí)限要求，分為緊急件、加急件、平件

17、資料：Asastartupfounder,mydailytasksincludeeverythingfromlong-termstrategicplanningtoapprovingteamoutingsandcompanycultureinitiatives.Dayafterday,thingsinevitablycomeupthatneedtogethandledASAP.ButI’vealsolearnedthatifyoudon’thaveastrategyformakingtimeforthosebiggerambitionsandyourtrulyloftygoals,they’llsimplynevergetdone.Andthatmeansyouwon’tmaketheprogressthat’sreallygoingtomoveyourbusinessforward.1.FINDYOURMOSTPRODUCTIVETIMEFaceit:Youaren’tcrankingoutworkatabsolutepeakproductivityfortheentireday.Instead,therearelikelycertaintimeswhenyou’reatyourmostfocusedandothertimeswhenyourenergywanes.That’snormal.Maybeforyou,it’sbrightandearlyinthemorning,beforeanyoneelsearrivesintheoffice,whenyoudoyourbestwork.Wheneveritis,identifythatchunkoftime（evenifit’sonlyanhour!）whenyoufeelmostproductive,andthenreserveitonyourcalendarlikeyouwouldanyotherimportantmeeting.Youneedtoprotectthisblockoftimefromintrusion--itisn’toptional.Thatwayyou’reguaranteedtohavearegular,designatedperiodwhenyoucanatleastgetstartedonthosebiggerto-dos.2.CREATEPHYSICALBARRIERSNobodyworksinavacuum.Weallhavetocollaboratewithotherstosomedegreeoranother.Andit’sthepeopleweworkclosestwithwhomwetendtoputfirst--wewanttobereadilyavailableiftheyneedourhelp.Buttherearetimesyouneedtotuneoutthedistractionsandfocusifyou’regoingtogetanymeaningfulworkdone.OneofthemosteffectivemethodsI’vefoundistoputphysicalbarriersbetweenus.I’llworkfromaconferenceroomorevenfromhomeonoccasioninordertogetsomeliteralspacefrompeopleneeding“justonequickthing.”Whatmaytheauthordiscusslater?A.TheauthormaytalkabouttheadministrationsystemB.TheauthormayteachthereaderstomakeatimetableC.TheauthormayputforwardanothersuggestionD.Theauthormaydiscusstheofficeenvironments

18、Passage1Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentanapartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarketgame",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthedisastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegottoknowhowitfelttolosemoney."Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywanttoteach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teachingstudentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit'stooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-financeclasseshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystatesincludingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduatefromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclassesforkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonlinepersonal-financeclassesforincomingstudents."Theseclassesreallysay,'Thisishowyouliveindependently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basicsapproachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalaryintoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-termgains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurantintoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutsoeasytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalsowantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyedaboutgaspricesbecausemanyofthemdrivecars.ButthehardpartisurgingthemtoputofftheinstantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthingsteenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,abusinessandmarketingteacheratUth’sRivertonHighSchool.That’sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheirparentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehasincreasedupto4.2percent,that’sstillafardistancefrom1982,whenAmericanssaved11.2percentoftheirincomes.“It’shardforschoolstoreachstrictmoney-managementskillswhenteenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It’sliketellingyourkidsnottosmokeandthenlightingupacigaretteinfrontofthem,”Becksays.Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolisworthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocalbankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollege.“Shejusthasabetterunderstandingofmoneyandhowitaffectstheworld,”sayshermother,Darleen－andthat’ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AllofthistalkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.Accordingtothepassage,takingmoney-managementcourseswill（）.A.betterstudents’learningmethodsB.preventstudentsgoingintodebtC.helpstudentsgetacceptedbycollegesD.makestudentsbecomeverywealthy

19、資料：之后，經(jīng)濟(jì)學(xué)家Mr.W談了談對(duì)中國(guó)的一些看法，請(qǐng)根據(jù)下列資料回答問題。Chinaisanemergingeconomicgiantwithalmostendlesspotentialforbusinessopportunities.Guanxi-meaning“connections”or“relationship”-isaChinesewayofdoingbusinessandispracticallyconsideredanartformthere.Itinvolvesexchanging“favors”whenyouneedsomethingdone.ManyChinesebusinesspeopleseeitasawaytosolidifyrelationships,getthingsdone,andcultivatewell-being.ToWesterners,however,itoftenlooksmorelikegraftintheformofbribery,nepotism,giftgiving,andkickbacks.Transparencyinternational,aGerman-basedcorruptionwatchdog,ranksChinaalongwithIndia,Russia,Turkey,Malaysia,andSouthAfricaasthecountrieswiththemostrampantcorruption.However,Chinaiscrackingdownbyenactingstricteranticorruptionlawsandprosecutingviolators.In2007,China’sformerdirectoroftheStateFoodandDrugAdministrationwasexecutedfortakingbribes.Whatcanbeinferredfrompassage?（）A.heGerman-basedcorruptionwatchdogisprobablyacommitteewhichmakessurethatcompaniesdonotactillegallyorirresponsiblyB.Bribery,nepotism,giftgiving,andkickbacksareillegalinthecommercialactivitiesC.WesternersaremorecriticalaboutGuanxiinbusinessD.Allofabove

20、第二次世界大戰(zhàn)全面爆發(fā)的標(biāo)志性事件是（）。A.1939年9月1日德國(guó)突襲波蘭B.1937年7月7日日本制造盧溝橋事變C.1941年12月8日日本突襲珍珠港D.1941年6月22日德國(guó)突襲原蘇聯(lián)

21、審計(jì)人員對(duì)有關(guān)人員進(jìn)行書面或口頭詢問以獲取審計(jì)證據(jù)的方法是()。A.函證B.查詢C.分析性復(fù)核D.檢查

22、下列選項(xiàng)中不屬于存貨范圍的是（）。A.委托加工的存貨B.購(gòu)貨單位已交款并已經(jīng)開出提貨單，但尚未提走的貨物C.尚在加工中的產(chǎn)品D.款項(xiàng)已支付，但尚未運(yùn)達(dá)企業(yè)的存貨

23、中央銀行票是中國(guó)人民銀行面向全國(guó)銀行間債券市場(chǎng)成員發(fā)行的、期限一般在（）以內(nèi)的中短期債券。A.六個(gè)月B.一年C.兩年D.三年

24、Theorphanageisjustoneofher___causes.A.phoneticB.philanthropicC.prevalentD.lunatic

25、以下不是網(wǎng)絡(luò)操作系統(tǒng)的是（）。A.UNIXB.LinuxC.Windows2000D.DOS

26、Themobilityofcellphonesmeansyoucanbeanywhereandhavethe____orshouldIsaytheconvenience,ofaphone.A.mustB.accompanimentC.conclusionD.necessity

27、2012年5月13日，《中華人民共和國(guó)政府、日本國(guó)政府及大韓民國(guó)政府關(guān)于促進(jìn)、便利和保護(hù)投資的協(xié)定》于（）正式簽署。A.北京B.首爾C.東京D.上海

28、審計(jì)證據(jù)的()是指審計(jì)證據(jù)能如實(shí)反映客觀事實(shí)。A.可靠性B.及時(shí)性C.相關(guān)性D.謹(jǐn)慎性

29、資料：TheOakviewCafe12TorpointHill,Aylesbury.Buckinghamshire.HP217SRwww.aokviewcafc.co.ukTheOakviewCafeproudlypresentsGordonMacaulayinasoloconcertat7p.m.on10September.Mr.Macaulayisknownforhispoeticsongsandfluidguitarplaying.LaurenTigheofTheAylesburyRecordwrites,"GordonMacaulayhasoneofthemostmelodiousvoicesIhaveeverheard."Don'tmissthisrareopportunitytohearhimintheintimatesettingoftheOakviewCafe.Ouraward-winningchef,LucasBrizard,willprepareaselectionofuniquedishes,butourregularmenuitemswillalsobeavailableonthedayoftheshow.Spaceislimited-purchaseyourticketsnowbyphoneoratthecafeduringnormalbusinesshours.Formoreinformationaboutusandafulllistingofourdishesfortheevent,pleasevisitourWebsite.WhatissuggestedabouttheOakviewCafe?A.Itopensfordinnerat7p.mB.ItadvertisesinalocalnewspaperC.Itislocatedinthecity'sbusinessdistrictD.Itisasmallrestaurant

30、根據(jù)利率期限的結(jié)構(gòu)性溢價(jià)理論，如果在接下來的3年中，預(yù)期的1年期債券利率分別為4%、5%、6%，3年期債券的流動(dòng)性溢價(jià)為0.5%，那么3年期債券的利率是（）。A.4%B.4.5%C.5%D.5.5%

31、如果將A2單元格中的公式“=B$1一$D1”復(fù)制到區(qū)域A3：C4中，則單元格B3中的公式為（）。A.“=B$1一$D1”B.“=C$2一$E2”C.“=C$1一$D2”D.“=B$2一D$2”

32、某企業(yè)2011年3月發(fā)生了如下經(jīng)濟(jì)業(yè)務(wù)：①預(yù)付下季度房租20000元；②收到3月份銷售商品貨款25000元，款項(xiàng)已存入銀行；③購(gòu)買1000元的辦公用品，④預(yù)收購(gòu)貨方定金12000元，貨物尚未發(fā)送。以權(quán)責(zé)發(fā)生制為核算基礎(chǔ)時(shí)，3月份的收支凈額為()元。A.24000B.16000C.4000D.36000

33、Thistypeofnetworkingservesagreat______ingivingbacktothecommunity.A.processB.powerC.purposeD.project

34、銀行存款日記賬與銀行對(duì)賬單之間的核對(duì)屬于（）。A.賬賬核對(duì)B.賬證核對(duì)C.賬實(shí)核對(duì)D.余額核對(duì)

35、資料：Globalbusinesstraveltopped$1.2trillionandisexpectedtoreach$1.6trillionby2020,accordingtonewresearchbytheGlobalBusinessTravelAssociation（GBTA）,anassociationrepresentingtheinterestsofcorporatetravelmanagers.What’smoreChinahasnowsurpassedtheU.S.asthelargestbusinesstravelmarketintheworld,ringingup$291billionlastyear.Atthesametime,allisnotrosyandanumberofmajorissuesarelurkingahead.Aweakeningglobaleconomy,Brexitandthisyear’sU.S.presidentialelectionwillmeangrowthwillnotbeastraightlineupwards.“Theuncertaintycreatedbyfinancialupheavalandpendingchangestotradeandimmigrationruleswillraisemanagementheartburn.Thiswillcausesomepostponement,evenoutrightcancellation,ofbusinesstrips.Itmayalsotriggertravelbudgetconstrictionasmanagementseekstohedgetheuncertainty.”thereportsays.AtthesametimeConcur,acompanythatprovidessupportservicesfortravelmanagers,releasedthatthesharingeconomyisgainingtractionwithbusinesstravelers,basedonitsanalysisof40millionuserswhospendover$70billionannually.Concurdataindicates56percentgrowthforAirbnbtypeservicesinusagefromQ12015toQ12016.Onaverage,businesstravelersstayfivenightswhenhomesharingversusthreenightsinahotel.“Managingtravelandexpenseisbecomingincreasinglycomplex,betweenintegrationwithmobiletechnology,nuancesintravelerpreferences,andnewtravelsupplierstrategies,”notesRobbNielsen,vicepresidentofglobalproduceexperienceatConcur.“Thisdemandsafullyconnectedtravelandexpenseecosystempairedwithactionableinsights,givingtravelmanagersthevisibilityandcontroltheyneedtodrivecostsavings.”Apressreleasedadded,“Thevastmajorityofbusinesstravelersalsowanttoreceivepersonalizedtraveloptions.However,eventhoughbusinesstravelerswantpersonalizedoptions,theyarehesitanttosharetoomuchpersonalinformationtoobtainthem.Theyarecommonlywillingtosharedetailssuchastheirfrequentflyerorhotelloyaltynumber,preferredairlineandhotelbrandsandaircraftseatpreferences,butfewerthanhalfwouldsharetheirtravelhistory,preferredleisureactivitieswhiletraveling,theirbusinesscalendarwithbookedappointmentsandtheirsocialmediaaccountnames.”Whatistheauthortryingtoimplyfromthisarticle?A.Personalizationisontherise,togetherwithsharingeconomyB.ITeraisfinallycomingfortravellingindustryC.BusinessmenarebecomingmoreandmoregenerousonglobalbusinesstripD.Traditionaltravelagencyisabouttofadeaway

36、國(guó)際收支平衡的基本目標(biāo)一般不包括（）。A.進(jìn)出口平衡B.外匯儲(chǔ)備增加C.防止匯率變動(dòng)D.匯率穩(wěn)定

37、Luckily,thebulletnarrowmissedthecaptain（）aninch.A.byB.atC.toD.from

38、如果將一國(guó)貨幣幣值的提高定義為升值，那么，對(duì)該國(guó)來說，將導(dǎo)致（）。A.直接標(biāo)價(jià)法匯率數(shù)值將減小，間接標(biāo)價(jià)法匯率數(shù)值將減小B.直接標(biāo)價(jià)法匯率數(shù)值將減小.間接標(biāo)價(jià)法匯率數(shù)值將增大C.直接標(biāo)價(jià)法匯率數(shù)值將增大，間接標(biāo)價(jià)法匯率數(shù)值將減小D.直接標(biāo)價(jià)法匯率數(shù)值將增大，間接標(biāo)價(jià)法匯率數(shù)值將增大

39、Passage2Globalwarmingiscausingmorethan300,000deathsandabout$125billionineconomiclosseseachyear,accordingtoareportbytheGlobalHumanitarianForum,anorganizationledbyAnnan,theformerUnitedNationssecretarygeneral.Thereport,tobereleasedFriday,analyzeddataandexistingstudiesofhealth,disaster,populationandeconomictrends.Itfoundthathuman-influencedclimatechangewasraisingtheglobaldeathratesfromillnessesincludingmalnutritionandheat-relatedhealthproblems.Butevenbeforeitsrelease,thereportdrewcriticismfromsomeexpertsonclimateandrisk,whoquestioneditsmethodsandconclusions.Alongwiththedeaths,thereportsaidthatthelivesof325millionpeople,primarilyinpoorcountries,werebeingseriouslyaffectedbyclimatechange.Itprojectedthatthenumberwoulddoubleby2030.RogerPielkeJr.,apoliticalscientistattheUniversityofColorado,Boulder,whostudiesdisastertrends,saidtheForum'sreportwas"amethodologicalembarrassment"becausetherewasnowaytodistinguishdeathsoreconomiclossesrelatedtohuman-drivenglobalwarmingamidthemuchlargerlossesresultingfromthegrowthinpopulationsandeconomicdevelopmentinvulnerableregions.Dr.Pielkesaidthat“climatechangeisanimportantproblemrequiringourutmostattention.”Butthereport,hesaid,"willharmthecauseforactiononbothclimatechangeanddisastersbecauseitissodeeplyflawed."However,SorenAndreasen,asocialscientistatDalbergGlobalDevelopmentPartnerswhosupervisedthewritingofthereport,defendedit,sayingthatitwasclearthatthenumberswereroughestimates.Hesaidthereportwasaimedatworldleaders,whowillmeetinCopenhageninDecembertonegotiateanewinternationalclimatetreaty.Inapressreleasedescribingthereport,Mr.Annanstressedtheneedforthenegotiationstofocusonincreasingtheflowofmoneyfromrichtopoorregionstohelpreducetheirvulnerabilitytoclimatehazardswhilestillcurbingtheemissionsoftheheat-trappinggases.Morethan90%ofthehumanandeconomiclossesfromclimatechangeareoccurringinpoorcountries,accordingtothereport.WhatdoesDr.PielkesayabouttheForum’sreport（）A.ItsstatisticslookembarrassingB.ItisinvalidintermsofmethodologyC.ItdeservesourclosestattentionD.Itsconclusionispurposelyexaggerated

40、首先提出國(guó)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

41、（）是指企業(yè)對(duì)外提供的反映企業(yè)某一特定日期財(cái)務(wù)狀況和某一會(huì)計(jì)期間經(jīng)營(yíng)成果、現(xiàn)金流量情況的書面文件。A.資產(chǎn)負(fù)債表B.利潤(rùn)表C.會(huì)計(jì)報(bào)表附注D.財(cái)務(wù)會(huì)計(jì)報(bào)告

42、Internet中使用最廣泛的協(xié)議是（）。A.SMTP協(xié)議B.SDH／SONET協(xié)議C.OSl／RM協(xié)議D.TCP／IP協(xié)議

43、Ihearmanyparentssayingthattheirteenagechildrenarerebellion.Iwishitwereso.Atyourageyououghttobegrowingawayfromyourparents.Youshouldbelearningtostandonyourowntwofeet.Buttakeagoodlookatthepresentrebellion.Itseemsthatteenagersarealltakingthesamewayofshowingthattheydegreewiththeirparents.Insteadofstrikingoutbravelyontheirown,mostofthemaretryingtoseizeatoneanother’shandsforsafety.Theysaytheywanttodressastheyplease.Buttheyallwearthesameclothes.Theysetoffinnewdirectionsinmusic.Butsomehowreasonforthinkingoractinginthus-and-suchawayisthatthecrowdisdoingit.Theyhavecomeoutoftheircocoon—intoalargercocoon.Ithasbecomeharderandharderforateenagertostandupagainstthepopularitywaveandtogohisorherownway.Industryhasfirmlyopenedupateenagemarket.ThesedayseveryteenagercanlearnfromnewspapersandTVwhatateenagershouldhaveandbe.Andmanyoftoday’sparent