2024年全國銀行招聘之銀行招聘綜合知識考試高頻題附答案

全國銀行招聘考試重點(diǎn)試題精編

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一、選擇題

1、目前國家開發(fā)銀行的貸款主要是（）。

A.硬貸款

B.軟貸款

.

.C.信用貸款

漢

D.抵押貸款

常

2、資料：Inafamilywheretherolesofmenandwomenarenotsharplyseparatedandwhere

manyhouseholdtasksaresharedtoagreaterorlesserextent,notionsofmalesuperiorityare

hardtomaintain.Thepatternofsharingintasksandindecisionsmakesforequality,andthisin

turnleadstofurthersharing.Insuchahome,thegrowingboyandgirllearntoacceptthat

equalitymoreeasilythandidtheirparentsandtopreparemorefullyforparticipationinaworld

characterizedbycooperationratherthanbythebattleofthesexes.

Iftheprocessgoestoofarandman'sroleisregardedaslessimportant-andthathashappenedin

somecases-weareasbadlyofasbefore,onlyinreverse.Itistimetoreassesstheroleoftheman

intheAmericanfamily.Wearegettingalittletiredofmomism,-butwedon'twanttoexchangeit

forneo-popism.Whatweneed,rather,istherecognitionthatbringingupchildreninvolvesa

partnershipofequals.

一

兇Therearesignsthatpsychologists,socialworkers,andspecialistsonthefamilyarebecoming

闞moreawareofthepartmenplayandthattheyhavedecidedthatwomenshouldnotreceiveall

thecredit-noralltheblame.Wehavealmostgivenupsayingthatawoman'splaceisthehome.

Wearebeginning,however;toanalyzemen'splaceinthehomeandtoinsistthathedoeshavea

placeinit.Noristhatplaceirrelevanttothehealthydevelopmentofthechild.

Thefamilyisacooperativeenterpriseforwhichitisdifficulttolaydownrules,becauseeach

familyneedstoworkoutitsownwaysforsolvingitsownproblems.

Excessiveauthoritarianismhasunhappyconsequences,whetheritwearsskirtsortrousers,and

theidealofequalrightsandequalresponsibilitiesisconnectednotonlywithahealthy

democracy,butalsowithahealthyfamily.

Fromthepassagewecaninferthat.

A.authoritarianismisimportant

"

恬

w，

B.neo-popismisunavoidable

C.momismisessential

0.cooperationisnecessary

3、通過（）逐筆核對，核實(shí)入賬的支票是否與事實(shí)相符，特別應(yīng)注意賬號是否相符。

A.銀行對賬單

B.支票存根與對賬單

C.日記賬

D.銀行余額調(diào)節(jié)表

4、在結(jié)賬以前，如果發(fā)現(xiàn)賬簿記錄有錯誤，而記賬憑證沒有錯誤，僅屬于記賬時(shí)文字或數(shù)

字上的筆誤，應(yīng)采用（）。

A.藍(lán)字更正法

B.紅字更正法

C.補(bǔ)充登記法

D.劃線更正法

5、在發(fā)揮金融中介作用的過程中，下列符合投資銀行運(yùn)作方式的有（）。

A.資金供需雙方是金融工具的借貸而不是買賣

B.資金供需雙方是資金借貸而不是金融工具的買賣

C.在媒介過程中只發(fā)生資金供需雙方之間的一次金融合約關(guān)系

D.在資金媒介過程中發(fā)生資金供需雙方的兩次金融合約關(guān)系

6、Internet中使用最廣泛的協(xié)議是（）。

A.SMTP協(xié)議

B.SDH/SONET協(xié)議

C.OSI/RM協(xié)議

D.TCP/IP協(xié)議

7、資料：JobDescription

A+ENetworksCo-BrandedCreativeDepartmentislookingforamotivatedcandidatewith1-3

years'experiencetobepartofauniquedepartmentontheA&Ebrand.Theselectedcandidate

willbeworkingonco-brandedsponsoredentertainmentandbrandedpartnershipsforA&E

Network.

OurpreferredcandidatewillpossessapassionfortheA+Ebrandsandisknowledgeableof

co-brandededsponsoredentertainment.TheProductionCoordinatorwillbeavaluedteam

memberbyactingasGrandCentralandsupportingtheteam（internalandexternal）withall

logisticalneeds,suchascollectingassetstoproducespotsandkeepingtrackofalldepartment

activitiestosupporttheoverallworkflow.Therightcandidatewillhaveabalancebetweenbeing

detailoriented/organizedwhenitcomestotheproductionprocessanddeadlines,aswellas

havingthedesiretocontributetodevelopment.

Theword“l(fā)iaison〃inthemiddleofthepassageisclosestinmeaningto

A.communicate

B.response

C.ransom

D.manage

8、Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsare

imaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.

Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,and

stillothersarefrightening.

Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleabouta

dreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhis

dreams.

Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappens

tohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.

Peopleseeinmostdreams,buttheymayalsohear;smell,touch,andtasteintheirdreams.Most

dreamsoccurincolor.Butpersonswhohavebeenblindsincebirthdonotseeatallindreams.

Dreamsareaproductofthesleeper'smind.Theyhaveincludedeventsandfeelingsthathehas

experienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesof

thedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesor

fears-especiallythoseheldsincechildhoodoftenappearindreams,andmanydreamsfulfilsuch

wishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofa

dream,buttheydonotcausedreams.

Somedreamsinvolvedeepfeelingsthatapersonmaynotrealizehehas.Psychiatristsoftenuse

materialfromapatient'sdreamstohelpthepersonunderstandhimselfbetter.

Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.People

whogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousand

restless.

WhichofthefollowingisNOTtrue?()

A.Dreamisaconfusingstorywhichinvolveslittlelogicthought

B.Dreaminvolveseventsthatalwayshappeninreallife

C.Dreamisrelatedtothedreamer'sreallife

D.Dreamisanimaginarystorywhichseemsrealwhiletakingplace

9、下列抽樣方法中，屬于非概率抽樣的是()。

A.分層抽樣

B.整群抽樣

C.判斷抽樣

D.等距抽樣

10、---zzlsthere()here?"

-----"No,BobandTimhaveaskedforleave/

A.anybody

B.everybody

C.somebody

D.nobody

11>資料：Childrenbackatschool,nightsslowlystartingtodrawinandtheweathermore

changeable.Theseasonsareturningandafteraneerilycalmsummerforfinancialmarkets,

there'sawhiffofuncertaintyintheair.Bondyieldsareupfromtheirlows,andtherelentless

migrationofglobalcapitaltowardsanyasset,anywhere,withsomeyield,isslowing.

Theconcernisthegrowingawarenessofcentralbanks'waningabilitytoboostgrowthwith

ever-lowerinterestratesandever-biggerpurchasesofassets.Thedebateaboutif,whenandhow

slowlytheUSFederalReservewillraiseinterestdragson,butifdownwardpressureonglobal

bondyieldsfromtheEuropeanCentralBank(ECB)andtheBankofJapan's(BOJ)largesse

isdrawingtoaclose,that'sabiggermilestoneformarkets.

Aworldofhigherbondyieldsisonewherethepressuretoseekyieldinexoticplacesis

diminished.It'salsoaworldwherethecapitalgainsthataccompaniedfallingyieldsbecome

capitallossesandinvestorsquestionthemeritofbondsovercash(orequities).

Thissearchforyieldinexoticplaceshas,sincetheendofJanuary,helpedtheBrazilianrealgain

morethan20%againsttheUSdollar,withtheRussianroublemanagingalmostasmuch.The

dollar;itself,hasfallenbackisby7.5%fallintrade-weightedterms,unwindingnearly40%ofthe

gainsithasseensincemind-2014.

There'snoneedtopanicaboutbondyieldsrising,becauseraterisesinJapanortheEurozoneare

yearsawayandtheFed'sstilltinkering.But10-yearyieldsonbothGermanandJapanese

governmentbondyieldsfellbelowzeroforthefirsttimeinlateJune.Theyhavebeenedging

higherthroughthesummer.It'salmostasifinvestorsreallyaren'tthatkeenontyingmoneyupat

negativeyieldsforthatlong-whynotsticktocash?

IntheUS,estimatesof"neutral"realinterestratesaretumblingtoaroundzero.Estimatesofhow

muchslackthereisleftinthelabourmarketarebeingrevisedupandafterfiveyearswhen

productivitygrowthhasaveragedameasly0.5%,there'swidespreadacceptancethatit'sunlikely

toacceleratebymagic.

Butevenifwetakeallofthisintoaccount,marketsarenowpricinginanextraordinarilyslow

paceofratehikesbytheFed-fromtheircurrent0.25-0.5%range,toabout0.75%bytheendof

2017andto1%bytheendof2018.

GDPgrowthstilloscillatesaround2%,theFed'sfavouredmeasureofinflationisat1.6%andthe

unemploymentrateistrendinglower.Thepricingofthefuturepathofshorttermratesseems

toolowevenforthe"newnormal"economicenvironment.

AllofthesecurrencieshavegainedagainstthepoundandIcan'tseethatchanging.Toomuch

importanceshouldnotbeplacedoneitherthecollapseinconfidenceimmediatelyafterthevote

toleavetheEUorthesubsequentbounce.

TheeconomicimpactofleavingtheEUwillbefeltthroughdelayedinvestmentdecisionsasa

resultofuncertaintyaboutwhenandonwhattermsithappens.Adebilitatingratherthana

corrosiveimpactontheeconomywillbeseeninslower,butpositivegrowth.Itwillalsobefeltin

further(slower)sterlingweakness.

TheBankofEnglandhasalreadycutpolicyratesfrom0.5%to0.25%,andthere'smoretocome

fromboththeBankandthepoundoverthenextyear.A5%fallfromherewouldtakethepound

closeto€1.1,andwecouldseeitfallbelow$1.25astheFederalReserveedgesrateshigher.

Accordingtothethepassageandtheregularityofratehikesfixedbythefedinthepastyears,

whichofthefollowingaveragepercentageofrateswillriseeachofthecomingyears?

A.0.75%

B.0.5%

C.0.25%

D.l%

12、對特定地區(qū)的經(jīng)濟(jì)發(fā)展進(jìn)行傾向性經(jīng)營的銀行是（）。

A.國家開發(fā)銀行

B.中國人民銀行

C.城市商業(yè)銀行

D.中國農(nóng)業(yè)銀行

13、當(dāng)人靜止地站在斜坡式電梯上隨電梯一起向上運(yùn)動時(shí)（手與電梯不接觸），下列表述準(zhǔn)

確的是（）o

A.人不受摩擦力作用

B.人所受的摩擦力方向沿電梯面向下

C.人所受的摩擦力方向沿電梯面向上

D.人所受的摩擦力方向可能沿電梯向上，也可能向下

14、流感是一種由流感病毒引起的常見病，流感病毒有不同的類型?，F(xiàn)有多種流感疫苗，有

人注射了一種流感疫苗后，在流感流行期間未患流感，但流感再次流行時(shí)卻患了流感，這其

中不可能的原因（）。

A.流感病毒發(fā)生了變異

B.抵抗流感病毒的抗體在體內(nèi)存在時(shí)間短

C.流感病毒使人的免疫系統(tǒng)受損

D.流感病毒與注射的疫苗是不同類型

15、根據(jù)《會計(jì)檔案管理辦法》的規(guī)定，總分類賬、明細(xì)分類賬、輔助賬、日記賬均應(yīng)保存

（）。

A.20年

B.15年

C.25年

D.10年

16、已知某企業(yè)本年目標(biāo)利潤為2000萬元，產(chǎn)品單價(jià)為600元，變動成本率為30%,固定

成本總額為600萬元，則企業(yè)的保利量為（）?

A.61905

B.14286

C.50000

D.54000

17>Passage7

Ifyou'veeverstartedasentencewith,"IfIwereyou...."orfoundyourselfscratchingyourheadat

acolleague'sagonyoveradecisionwhentheansweriscrystal-clear,there'sascientificreason

behindit.Ourowndecision-makingabilitiescanbecomedepletedoverthecourseoftheday

causingindecisionorpoorchoices,butchoosingonbehalfofsomeoneelseisanenjoyabletask

thatdoesn'tsufferthesamepitfalls.

Theproblemis"decisionfatigue,"apsychologicalphenomenonthattakesatollonthequalityof

yourchoicesafteralongdayofdecisionmaking,saysEvanPolman,aleadingpsychologist.

Physicianswhohavebeenonthejobforseveralhours,forexample,aremorelikelytoprescribe

antibioticstopatientswhenit'sunwisetodoso."Presumablyit'sbecauseit'ssimpleandeasyto

writeaprescriptionandconsiderapatientcaseclosedratherthaninvestigatefurther/'Polman

says.

Butdecisionfatiguegoesawaywhenyouaremakingthedecisionforsomeoneelse.Whenpeople

imaginethemselvesasadvisersandimaginetheirownchoicesasbelongingtosomeone

else,theyfeellesstiredandrelylessondecisionshortcutstomakethosechoices,"Bytakingupon

theroleofadviserratherthandecisionmakei;onedoesnotsuffertheconsequencesofdecision

fatigue,"hesays."It'sasifthere'ssomethingfunandliberatingaboutmakingsomeoneelse's

choice."

Gettinginputfromothersnotonlyoffersafreshperspectiveandthoughtprocess;itoftenalso

includesriskierchoices.Whilethissoundsundesirable,itcanbequitegood,saysPolman."When

peopleexperiencedecisionfatigue-whentheyaretiredofmakingchoices-theyhaveatendency

tochoosetogowiththestatusquo（現(xiàn)狀）Jhesays."Butthestatusquocanbeproblematic,since

achangeinthecourseofactioncansometimesbeimportantandleadtoapositiveoutcome."

Inordertoachieveasuccessfuloutcomeorreward,somelevelofriskisalmostalways

essential."Peoplewhoaresusceptibletodecisionfatiguewilllikelychoosetodonothingover

something,"hesays,"That'snottosaythatriskisalwaysgood,butitisrelatedtotaking

action9whereasdecisionfatigueassuredlyleadstoinactionandthepossiblechagrin（'懊I齒）ofa

decisionmakerwhomightotherwisepreferanewcoursebutisunfortunatelyhindered."

Justbecauseyoucanmakegoodchoicesforothersdoesn'tmeanyou'lldothesamefor

yourself,Polmancautions,"Researchhasfoundthatwomennegotiatehighersalariesforothers

thantheydoforthemselves,"hesays,addingthatpeopleslipinandoutofdecisionroles.

Whatdoestheauthorsayaboutpeoplemakingdecisions（）

A.Theymaybecomeexhaustedbymakingtoomanydecisionsforthemselves

B.Theyaremorecautiousinmakingdecisionsforothersthanforthemselves

C.Theytendtomakedecisionsthewaytheythinkadvantageoustothem

D.Theyshowconsiderabledifferencesintheirdecision-makingabilities

18、下列關(guān)于風(fēng)險(xiǎn)分類的說法，不正確的是（）o

A.按風(fēng)險(xiǎn)發(fā)生的范圍可以將風(fēng)險(xiǎn)劃分為可量化風(fēng)險(xiǎn)和不可量化風(fēng)險(xiǎn)

B.按風(fēng)險(xiǎn)事故可以將風(fēng)險(xiǎn)劃分為經(jīng)濟(jì)風(fēng)險(xiǎn)、政治風(fēng)險(xiǎn)、社會風(fēng)險(xiǎn)、自然風(fēng)險(xiǎn)和技術(shù)風(fēng)險(xiǎn)

C.按損失結(jié)果可以將風(fēng)險(xiǎn)劃分為純粹風(fēng)險(xiǎn)和投機(jī)風(fēng)險(xiǎn)

D.按誘發(fā)風(fēng)險(xiǎn)的原因，巴塞爾委員會將商業(yè)銀行面臨的風(fēng)險(xiǎn)劃分為信用風(fēng)險(xiǎn)、市場風(fēng)險(xiǎn)、

操作風(fēng)險(xiǎn)、流動性風(fēng)險(xiǎn)、國家風(fēng)險(xiǎn)、聲譽(yù)風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)以及戰(zhàn)略風(fēng)險(xiǎn)八大類

19、隨著生產(chǎn)和生活垃圾的急劇增加，垃圾處理已成為一個(gè)重要的社會和經(jīng)濟(jì)問題。而有關(guān)

專家卻說垃圾是放錯了地方的資源?！睂⒗闯墒?放錯了地方的資源”這段話（）。

A.堅(jiān)持了聯(lián)系的觀點(diǎn)，世界上一切事物都是相互聯(lián)系的

B.混渚了矛盾主次方面，看不到矛盾主要方面決定事物性質(zhì)

C.堅(jiān)持了矛盾的分析方法，看到矛盾雙方在一定條件下相互轉(zhuǎn)化

D.違背了矛盾普遍性和特殊性辯證關(guān)系，看不到矛盾的普遍性

20、廉租住房建設(shè)貸款，貸款期限最長不超過（）年。

A.2

B.3

C.5

D.8

21、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

22、資料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersare

implementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPolland

commissionedbytheCTIA.

Thesurveywasapartofthecompany'songoingeffortstoboostusereducationonthepitfallsof

mobilesecurityandassesswhethertheCTIA'sinitiativesareworking.

ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforth

andhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:

MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform

2012.

Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erase

software.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upan

astoundingfrom2015andfrom2012.

Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.of

smartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphone

ownersin2015,accordingtoBlIntelligence.

Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedby

theincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,but

alsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguard

themselvesinlightofanumberofrecenthigh-profileincidentsinvolvingphonesecurity-like

Apple'scaseagainsttheFBI,forexample.

Becauseofthis,itwillbecomeincreasinglycommonforappdevelopersanddevicemanufactures

tobuildinsecurityandend-to-endencryption.Thiscanbeseenindevicesandappssuchas

WhatsAppandiPhones.Developersanddevicemanufacturersthatdon'tincludethisfeaturein

theirproductscouldbefacedwithnegativeconsumerattitudes.

Whichsentencebestexpressesthemainideaofthepassage?

A.Developersanddevicemanufacturersarebecomingmoreawareofsecurityfeatures

B.Lackofsecurityfeaturescouldresultinnegativeconsumerattitudes

C.Smartphoneusersarebecomingmoreawareofsecurityfeatures

D.Smartphoneusersarebecomingmoreawareofgovernmentsurveillance

23、Contrary()thepopularopinion,highertaxesendupbenefitingthecitizensmorethan

lowerones.

A.for

B.in

C.to

D.with

24、資料：Upto80percentoftheworld'smiddleclasseswillliveindevelopingcountriesby2030

thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreport

publishedonThursday.

Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedso

dramaticallyandsofast."concludestheUN'slatestDevelopmentReport."Theworldis

witnessinganepochal"globalrebalancing'."

Underpinningtheimprovementsinthehumandevelopmentindex(HDI)wasrapidgrowthin

countriessuchasChina,IndiaandBrazil,withChinaandIndiahavingdoubledpercapita

economicoutputinlessthan20years.Butthestudystressedthatgrowthandimprovementsin

HDIspreadfarbeyondthefourBriecountriesofBrazil,Russia,IndiaandChina,andincludedat

least40countriesthathadaccompaniedgreatereconomicdynamismwitheffective

poverty-reductionpolicies.

Afghanistan,SierraLeone,Ethiopia,RwandaandAngolawereamong14countriesthathave

recordedgainsinHDIofmorethan2percentayearsince2000.Partlyasaresult,thereport

foundthatworldwideextremeincomepovertyhasplungedfrom43percentin1990tojust22

percentin2008,includingmorethan500mbeingliftedoutofpovertyinChinaalone.Thereport

statedthatsuchgainshadalreadyhelpedtheworldachievethemainpovertyeradicationgoalof

theso-calledMillenniumDevelopmentGoals,whichcalledfortheshareofpeoplelivingonless

than$1.25adaytobecutbyhalffrom1990to2015.

Underpinningthispovertyreductionwasdevelopingcountries'increasingshareofglobaltrade,

whichgrewfrom25percentto47percentbetween1980and2010.“Thesouthasawholeis

drivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies/saysthe

report.

Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,

increasingfromlessthan10percentoftotalglobaltradetomorethan30percent."Trade

betweencountriesinthesouthwillovertakethatbetweendevelopednations/thereportsaid.

“Morethan500mbeingliftedoutofpovertyinChinaalone''illustrates.

A.theeconomicdevelopmentofChinaisimportant

B.theroleofsomedevelopingcountriesissignificantforpovertyreduction

C.14countriesaredevelopingfasterthanChina

D.itiscrucialtomakeacleargoalfirst

25、資料：IntheUnitedStatesofAmerica,banksarecategorizedintothefederally-chartered

bankwhichreceivedtheircharterfromtheOfficeoftheComptrolleroftheCurrency(OCC);

thesearereferredtoas'"NationalBanks";andalsothestates-charteredbankswhichreceivetheir

charterfromthesuperintendenttoas“StateBanks”.Banksareallowedtoregistereitherwiththe

federalorthestateauthority.LetusnowlookattheorganizationalstructureofCommercial

Banks,whichincludeunitbanking,groupbankingandbranchbanking.

Themaincharacteristicofunitbankingisthatitcanoperateonlyasinglefullservicebankfroma

singlelocation.Unitbankinginstitutionsarenotallowedtohavebranchnetworks.However;unit

bankingdoesnotnecessarilyhavetobesmall.Infact,manyunitbanksarequitelarge.

Groupbankingreferstobankingoperationsconductedbyacorporationowningmorethanone

bank.Thegroupbankingsystemusuallyexistsinthestateswherebranchbankingisprohibited.

Asforbranching,itissometimesreferredto"limitedbranching"or"statesidebranching”.Limited

branchingallowsbanktooperatebrancheswithingeographicterritoriesauthorizedbythestate

law.Statesidebranchingimpliesthatbankbranchesareallowedtooperateanywherewithinthe

state.NewYorkState,California,Floridaandsomeothersarestatesidebranchbankingareas

whichMinnesota,Arkansas,lowerandothersarelimitedbranchingareas.

IntheUnitedStates,therearealsospecializedbanksincludingtheEdgeActBanks,the

internationalBankingFacility,thebankers'banks,thesavingbanks,thesavingsandloans

associations,thecreditunionsandgovernmentownedandtheRealEstateInvestmentTrust

(TEIT).

Therearealsonon-bankfinancialinstitutionsintheUSA,includingthesecuritiesfirms,the

leasingandcommercialfinancecompanies,themortgagebankersandtheRealEstateInvestment

Trust(REIT).

LetusnowlookattheFederalSystem.CommonlyknownastheFederalReserveBankorthe

"Fed",thisistheCentralBankoftheUnitedStatesfoundedin1913.Itdeterminesthereserve

requirementwithinlimitssetbytheUSCongress.ThefunctionoftheFediseconomic

stabilizationthroughthemanagementofthenation'smoneysupply.TheFederalReserveSystem

comprisesaboardofgovernorswith7membersstationedinWashingtonD.CReserveBanks,

includingBoston,NewYorkCity,DallasandSanFrancisco.

TheFederalReserveAct(FRA)1913setoutthepowersoftheFedwhich,ontopoftheregular

centralbank'sobjectives,emphasizethefollowing.

i.ManagingthemonetarysystemandmoneysupplyoftheUSA;

ii.Providingfundsasthelenderoflastreport;

iii.Providingforanefficientcherubclearingsystem;

iiii.Providingarigorousbankingsupervisionsystem.

WhatisthechartingauthorityoftheUSAforbanks?()

A.FRA

B.Lawsofstates

C.Fed

D.OCC

26、資料：WordofMouthpromotionisbasedontheprincipleofpullmarketing.

Wordofmouth(WOM)promotionisbasedontheprincipleofpullmarketing.Itreliesonthe

transmissionofapositivemarketingmessagefrompersontopersonthroughconversationora

personalcommunicationsuchasemailortextmessage.Pullmarketinggetsconsumerstobring

otherconsumerstotheproduct.Incontrast,pushmarketingusesabove-the-linepromotional

techniquestoputproductsinfrontofconsumersinordertogeneratesales.

RedBullextensivelyusespullmarketing.Thisapproachinvolvesgettingconsumersexcitedabout

theproductandconveyingthisexcitementtotheirfamilyandfriends.Itisalsoabouttryingto

getcoverageofRedBulleventsinthepress.Thiscoveragecanencourageconsumerstofindout

moreabouttheproduct.Ithelpstogeneratemomentum,throughcreatinginterestingstoriesfor

peopletotalkabout,whichinturnhelptocreatebrandawarenessandgrowsales.

ThefounderofRedBullusedpullmarketingtopromotehisoriginalproductinthe1980s.He

hiredaRedBullWingsTeamtogooutandtalktopeopleone-to-oneabouttheproduct.This

helpstocreateconsumerinterestintheproduct.Aspeopleexperiencethedrinkandappreciate

itsqualities,theybecomeadvocatesforthebrand.Theysharetheiropinionswithother

consumerswhentheytalkwithfriends.Thepromotionthereforecreatesarippleeffect.

WhydoesthecompanytrytogetcoverageofRBeventsinthepress?

A.becauseithelpstogeneratemomentum

B.becausetheeventsarefunnyenoughtobetransmitted

C.becauseithelpstocreatebrandawarenessandgrowsales

D.bothAandC

27、實(shí)踐作為檢驗(yàn)真理的標(biāo)準(zhǔn)具有不確定性，是指（）。

A.實(shí)踐標(biāo)準(zhǔn)是不可能的

B.實(shí)踐不是檢驗(yàn)真理的唯一標(biāo)準(zhǔn)

C.實(shí)踐具有歷史局限性，它對真理的檢驗(yàn)需要一個(gè)過程

D.科學(xué)理論也是檢驗(yàn)真理的標(biāo)準(zhǔn)

28、關(guān)于共同犯罪，下列表述最為準(zhǔn)確的是（）。

A.共同犯罪是指兩人以上共同參加的犯罪

B.三人以上為共同實(shí)施犯罪而組織在一起的，是犯罪集團(tuán)

C.犯罪集團(tuán)是共同犯-的特殊形式

D.刑法理論上，對共同犯罪成員的分類一般是主犯、從犯、教唆犯、脅從犯

29、2017年4月份，某省規(guī)模以上食品工業(yè)增加值同比增長15.0%,比全省規(guī)模工業(yè)平均水

平高9.4個(gè)百分點(diǎn)。其中，農(nóng)副食品加工業(yè)增長14.0%,食品制造業(yè)增長18.6%,酒、飲料

和精制茶制造業(yè)增長13.9%。1—4月，規(guī)模以上食品工業(yè)產(chǎn)值累計(jì)增長11.6%,增幅比全省

規(guī)模工業(yè)平均水平高4.5個(gè)百分點(diǎn)。

1-4月，該省規(guī)模以上食品工業(yè)主要產(chǎn)品有52種，產(chǎn)量同比增加的有41種；20種產(chǎn)品產(chǎn)量

增幅超過10%。主要產(chǎn)品中，果酒及配制酒同比增長256.7%,米制半成品增長29.3%,冷凍

蔬菜增長28.3%,水產(chǎn)業(yè)增長22.5%,熟肉制品增長20.3%,醬油增長17.9%,成品糖增長

17.8%,在減產(chǎn)的產(chǎn)品中，汽水產(chǎn)量同比減少73.1%,冷凍水產(chǎn)品減少47.3%,飲料減少6.0%。

1-3月，規(guī)模以上食品工業(yè)主營業(yè)務(wù)收入為1070.37億元，同比增長13.8%,實(shí)現(xiàn)利潤總額

52.66億元，增長9.5%,平均用工人數(shù)39.7萬人，增長6.0%。資產(chǎn)總計(jì)1836億元，增長7.2%。

2017年4月份，該省規(guī)模工業(yè)產(chǎn)值平均水平同比增長：（）

A.5.6%

B.7.1%

C.16.1%

D.24.4%

30、Thistypeofnetworkingservesagreatingivingbacktothecommunity.

A.process

B.power

C.purpose

0.project

31>Wouldyoulikemusic?

A.tolistento

B.tolistening

C.listening

0.listeningto

32、如果100美元兌換人民幣625元，則相對于中國用直接標(biāo)價(jià)法表示為（）。

A.$100=￥625

B.￥IOO=$516

C.Y625

D.$625

33、IcouldspeakJapaneseChinese,soIhadtotalkwithhiminEnglish.

A.notonly；butalso

B.both；and

C.neither；nor

D.either；or

34、Passage2

Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoy

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular;itisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（網(wǎng)絡(luò)攻擊）.Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetween