2024年全國銀行招聘之銀行招聘綜合知識考試重點試題（附答案）

全國銀行招聘考試重點試題精編

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一、選擇題

1、珠穆朗瑪峰位于（）o

A.中、巴邊境

B.中、緬邊境

C.中、尼邊境

D.中、印邊境

2、（）與資產(chǎn)業(yè)務(wù)、負(fù)債業(yè)務(wù)一起構(gòu)成商業(yè)銀行的三大業(yè)務(wù)。

A.中間業(yè)務(wù)

B.現(xiàn)金業(yè)務(wù)

C.證券投資業(yè)務(wù)

D.貸款業(yè)務(wù)

3、下列屬于產(chǎn)品成本的是（）o

A.廠房管理人員工資

B.車間人員工資

C.董事會人員工資

D.專設(shè)銷售部門人員工資

一

兇

闞4、2月9日，國家主席習(xí)近平在北京以視頻方式主持中國-中東歐國家領(lǐng)導(dǎo)人峰會，并發(fā)表

題為（）的主旨講話。

A.《凝心聚力，繼往開來攜手共譜合作新篇章》

B.《凝心聚力，勇往直前攜手共譜合作新篇章》

C.《凝心聚力，繼往開來攜手共譜和平新篇章》

D.《凝心聚力，繼往開來攜手共譜發(fā)展新篇章》

5、Largenumbersofstate-runpreschoolswereexpedientlycloseddownduringthe1990s

economicreformandinstead,avarietyoffor-profitprivatepreschoolssprungacrossthe

country.

A.by

.

.

恬

w，

B.out

C.in

D.up

6、Theycouldgiveyouanationallyqualificationandtheexperienceyouneedtogetthejob.

A.recognized

B.viewed

C.regarded

0.realized

7、資料：BankCDistheinstrumentuniformlyfiguringintheinvestmentoptionsofmostinvestors.

BankofIndiaCDsaresafe,FDICinsured&offerdecentreturns.Thereisnobrokerage,nofeesor

hiddencosts.However,theBankmayimposeafeeforadministrativeexpensesinvolvedinany

legalactioninconnectionwiththeCD.Lookatour'StarCD'planbelow.

HighInterest:HigheronLargeamount

Ourratesoncertificateofdepositsareamongthebestintheindustry.Theratemayvaryon

day-todaybasis.ForCD'sofabove$250,000.00,theinterestissimplei.enotcompounded;

therefore,annualpercentageyieldissameasannualinterestrate.Theinterestispayableonthe

dayofmaturityofdeposit.InterestpaidduringtheyearisreportedtoInternalRevenueServices.

Fortoday'sratespleaserefertoCurrentRatesofInterestonSTARCDs.

MaturityPeriod:Flexibletoyourneeds

Youmaychooseanymaturitydatewithaminimumperiodof7daystoamaximumperiodof1

yeartosuityourneeds.YourCDisautomaticallyrenewedforthesameperiodinabsenceofany

otherinstruction,attherulingrateofinterestonthedateofrenewal.Thereisnograceperiod

forautomaticrenewalofdepositsonmaturity.Fordepositsissuedfor1yearormore,wesend

maturitynoticestothedepositors2to4weeksbeforetheduedate.

MinimumAmount:EasytoStart

TheminimumamountacceptedisUSD2000

OtherFeatures:

l.FDICInsuranceUpto$100,000

2.FacilitytoOpenJoint&CorporateAccounts

AdditionalDeposits:

Additionalamountsdepositedintoanaccountwillbetreatedasfreshdeposits&separate

certificatesofdepositswillbeissuedforsuchdeposits.

EarlyWithdrawal:

Withdrawalofdepositbeforeitsdateofmaturitymaybeallowedatbank'sdiscretion.Inthat

event,interestwillbepaidattherateapplicablefortheperiodforwhichthedepositremained

withthebankorthecontractedrate,whicheverislower,asprevailingonthedateofdeposit,less

onepercent.However,nointerestshallbepaidonthedepositwhichrunsforlessthan30days.

Thereisnootherpenaltyorchargeonearlywithdrawal.

Whichofthefollowingstatementsistrue?()

A.CDisautomaticallyrenewedforthesameperiodunlesshavingotherinstruction

B.CDisn'tautomaticallyrenewedforthesameperiodattherulingrateofinterestonthedateof

renewal

C.CDisautomaticallyrenewedforthesameperiodwithoutanyotherinstruction

D.CDisautomaticallyrenewedforthesameperiodwithpermissionofthebankmanager

8、資料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaand

Europehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,

hasconsolidateditspositionastheworld'sderivativescenter;andHouston,thelargestcityin

Texas,ishometoAmerica'sbiggestenergyfirmsandhasspawnedanactiveclusterofenergy

tradersandhedgefunds.

Europehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoisland

havenssuchasJerseyandtonichemarketssuchasLuxembourgandDublin.Edinburg,an

establishedbankingcenter,isnowtoutingitselfasalow-costalternativeforfinancialoperations.

Amongthelargerhubs,Frankfurtisanimportantcenterforbankingandderivativestrading

throughEurex,aGerman-Swissexchange,withsignificantlylowercoststhanLondon.

Switzerland'stwinfinancialcenters,GenevaandZurich,havedonewellintheirspecialistsof

privatebanking,wealthmanagementandinsurance.Themainattractionsarelowtaxes,political

stabilityandareputationfordiscretion.UrsRothfromtheSwissBankersAssociationsays,

however;thatgivenitstinydomesticmarket,Switzerlandhashadtofightforopenmarketsonan

internationalscale.

ParishaslonglaggedfarbehindLondon,doggedbyareputationforexcessiveregulationandhigh

taxes.ThenewgovernmentisawarethatsomeofFrance'sbestfinancialbrainshavecrossedthe

ChannelformorelucrativecareersinLondon.YetParishasmanyadvantages:alargenumberof

internationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.

IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParis

offersanattractivequalityoflifeandhasgoodtransportlinks.WhatmakesParisaplacetowatch

justnowistheNYSE'srecentmergerwithEuronext.Thecombinedgroupwillbaseits

internationalequitiesbusinessintheFrenchcapital.Euronext,whichoperatesexchangesinfive

Europeancountries,alsoillustratestheimportanceofacommonlanguage.

FinancialexecutivesaroundtheworldincreasinglyviewEuropeasasinglemarket.Soonanew

EuropeanrulecalledMiFID(MarketsinFinancialInstrumentDirective)isduetobe

implemented.Itaimstoincreasecompetitionamongandtransparencywithinfinancialmarkets.

Financiersinotherpartsoftheworldarewonderinghowtoachieveasimilardegreeof

cross-borderfinancialintegration.

WhichofthefollowingisNOTtrueaboutParis,accordingtothepassage?

A.MergerofNYSEwithEuronextmakesitthebiggestfinancialcenterinEurope

B.Theexcessiveregulationandhightaxeshaveaffecteditsfinancialdevelopment

C.Parishasmanyadvantagesthatmayhelpinitsfuturefinancialdevelopment

D.Parisoffersgoodqualityoflifeaswellasgoodtransportlinks

9、Thedetective()thesolvingofthiscasetoananonymousphonecallthepolicereceived

afewhoursbeforethearresttookplace.

A.accused

B.presented

C.attributed

0.disapproved

10、票據(jù)貼現(xiàn)實付金額為()。

A.匯票金額

B.貼現(xiàn)利息

C.匯票金額一貼現(xiàn)利息

11、資料：From:GloriaRichter

To:GuntherSchmidt

Subject:E-mails;stafflounge;communicationproblems

Date:March3

TherearesomecommunicationproblemsIwishtobringtoyourattention

1.Eachdaywereceiveahugenumberofemailsfromcolleaguesinsidethecompanyandfrom

overseascustomers.Someareimportantmanyarenot.Mystaffseemstospendalldaychecking

andsortingemails,whichistime-consumingandresultsinthemneglectingotherduties.

2.Mystaffdoesn'tunderstandwhyyougotridofthestaffloungeafterthetakeover.Theysay

thatitsaidtobeagoodplacetomeetpeoplefromotherdepartmentsandtoexchangeideas.

MostofthemstillhavenotmetanyonefromSanicorpyet.

3.Alotofmiddlemanagersarereallyconfusedaboutwhotheyshouldreportto.Weknow

managementareplanningareorganizationbutisn'tittimetheytolduswhat'shappening?

WhatisNOTrequestedbyGloriaRikchterinthisemail?

A.Anefficientwayforthestafftodealwiththelargenumberofemails

B.Moreinvestmentinthewell-beingofthestaff

C.Reopeningofthestafflounge

0.clarificationofwhomthestaffshouldreporttheirworksto

12>—Ithinkscienceismoreusefulthanart.

—Idisagree.!thinkartis_science.

A.notsousefulas

B.lessusefulthan

C.themostusefulof

D.asusefulas

13、資料：Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.

Sittingintheofficesleepdeprivesit'sdifficulttorememberyourownname,letalongthe

ever-lengtheningto-dolist.

Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwill

actuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroup

ofparticipantstogetafullnights'sleepwhileanotherhadtostayupallnight.Inthemorning

theyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,

bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitness

statementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.For

example,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthe

witnessstatementitsaidheputitinhispants(that's'trousers'forBritishpeoplenothis

underwear!).Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.The

resultsshowedthatthosewho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethe

falseeyewitnessstatementsthey'djustreadratherthanrememberingthe'true'crime-scene

photosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheads

totheextentthealltheevidence—rightandwrong—hadgotmixedup.

Oneofthestudy'sauthors,KimberlyFenn,said/'Peoplewhorepeatedlygetlowamountsof

sleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemory

distortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,a

preliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocause

peopletostartmanufacturingfalsememories.

Whatisbesttitleofthisarticle?

A.SleepandPhotographicmemory

B.LackofSleepLeadingtoCrimes

C.SIeepandCognitiveofhumanbeings

D.LackofSleepProducingFalseMemory

14、以下關(guān)于宏觀經(jīng)濟政策與證券市場間的關(guān)系說法錯誤的是（）。

A.匯率下降，本幣升值，出口型企業(yè)證券價格就會上揚

B.貨幣政策的調(diào)整會直接、迅速地影響證券市場

C.財政政策的調(diào)整對證券市場具有持久但較為緩慢的影響

D.匯率政策的調(diào)整從結(jié)構(gòu)上影響證券市場價格

15、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個百分點。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)值累計增長11.6%,增幅比全省

規(guī)模工業(yè)平均水平高4.5個百分點。

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1836億元，增長7.2%。

下列選項中，2017年1-4月該省產(chǎn)量增速最快的是：（）

A.熟肉制品

B.米制半成品

C.冷凍蔬菜

D.醬油

16>Passage1

Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructed

the17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar;rentan

apartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarket

game",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthe

disastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegotto

knowhowitfelttolosemoney."

Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywantto

teach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teaching

studentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit's

tooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-finance

classeshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystates

includingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduate

fromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclasses

forkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonline

personal-financeclassesforincomingstudents,"Theseclassesreallysay,'Thisishowyoulive

independently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.

Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basics

approachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalary

intoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-term

gains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurant

intoseparateenvelopesforpayingbills,spendingandsaving,"Moneyissohardtomakebutso

easytospend,"shesaysoneweekdayafterschool,"Thatisthebigtakeaway."

Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalso

wantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyed

aboutgaspricesbecausemanyofthemdrivecars.Butthehardpartisurgingthemtoputoffthe

instantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthings

teenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,a

businessandmarketingteacheratUth'sRivertonHighSchool.

That'sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheir

parentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehas

increasedupto4.2percent,that'sstillafardistancefrom1982,whenAmericanssaved11.2

percentoftheirincomes/lt'shardforschoolstoreachstrictmoney-managementskillswhen

teenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It'sliketellingyourkidsnot

tosmokeandthenlightingupacigaretteinfrontofthem/Becksays.

Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolis

worthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocal

bankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcoIlege/Shejusthas

abetterunderstandingofmoneyandhowitaffectstheworld/sayshermother,Darleen—and

that'ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.Allofthis

talkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.

Aftercompletingthefinancialclass,DianeRayislikelyto().

A.payoffallherdebts

B.handlehermoneybetter

C.findajobinabank

0.managethefamilyincome

17、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.

AccordingtothethepassagewhichofthefollowingsisNottrue?

A.Inrecentyearscentralbanksadoptthemethodoflowerinterestratesandassetpurchasesto

promoteeconomicgrowthbutnowsuchabilityofcentralbankshavebecomeincreasingly

weaker

B.Investorsdoubtthattheyieldswilldecline,becausethebondpricesoffinancialmarketare

falling

C.lnthefirsthalfofthisyearglobalfinancialmarketsareaschangeableastheweatherchanges

D.The10-yearyieldsGermanandJapanesegovernmentbondhavebeenmovingupslowly

throughthesummer

18、所有的公文中，（）最具權(quán)威性和強制性。

A.決定

B.命令

C.規(guī)定

D.決議

19、Internet提供的最簡便、快捷的通信服務(wù)為（）。

A.文件傳輸（FTP）

B.遠(yuǎn)程登錄（Telnet）

C.電子郵件（E-mail）

D.萬維網(wǎng)（WWW）

20、營業(yè)利潤不包括以下哪項內(nèi)容？（）

A.營業(yè)外收入

B.營業(yè)收入

C.投資收益

D.其他業(yè)務(wù)收入

21、小劉奉命采購機器零件，一種零件的單價是500元，另一種零件的單價是700元。這

兩種零件小劉都買了一些，且已知單價500元的零件數(shù)量占比不足50%。這次采購，小劉一

共花了7100元，則他一共購買了（）件。

A.11

B.13

C.14

D.12

22、資料：之后，經(jīng)濟學(xué)家Mr.U與你討論了一些潛在的問題，請根據(jù)下列資料回答問題。

KGVisstraditionalhigh-streetmusicretailer.BasedinAmsterdam,ithas12storesinthe

Netherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEurope

andnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthrough

adifficultperiod.Overthelastthreeyears,profitshavesteadilyfallen,from450mEurosto290m

Euros.Themegastores'saleshaverisenby,accountingforofthecompany'sturnover;butthe

increasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.

Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsfor

KGV'spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploiting

theopportunitiesofferedbysellingthroughtheInternet.

Whatdoestheword//turnover,/inparagraph2mean?（）

A.Anactorresultofturningover

B.Theaggregateofworkerreplacements

C.Thetotalamountofbusinessdoneinagiventime

0.changefromonepositiontoanother

23、如果一個社會的收入是絕對平衡的，那么，基尼系數(shù)將（）。

A.等于1

B.等于0

C.大于1

D.小于0

24>Itisveryimportantthatthetextisneithertoodetailed___toocomplexfortheintended

readers.

A.nor

B.or

C.no

D.not

25>Forcustomerconvenience,themanualisavailablebothmicrofilmandbookforms.

A.on

B.to

C.in

D.for

26、2013年3月16日，我國目前正在建設(shè)的最長高瓦斯隧道一一蘭州至重慶鐵路客運專線

（）隧道，經(jīng)過中茵鐵建十八局集團建設(shè)者三年多施工正式貫通，標(biāo)志著制約蘭渝鐵路全

線鋪軌工期的難點按期突破。

A.梅嶺關(guān)

B.南嶺關(guān)

C.上下關(guān)

D.天澗關(guān)

27、對于采取緊縮戰(zhàn)略的組織，人力資源管理的關(guān)鍵活動是（）。

A.改變員工的晉升和發(fā)展機會。留住更多的現(xiàn)有人員

B.裁減工作績效不佳的員工

C.合并新購并企業(yè)的人力資源管理體系

D.制定適當(dāng)?shù)囊?guī)劃保證及時雇用和培訓(xùn)新員工

28>Accordingtoourrecords,yourmembershipattheendofDecember.

A.willexpire

B.expiring

C.toexpire

0.expired

29、所有者權(quán)益是企業(yè)投資人對企業(yè)凈資產(chǎn)的要求權(quán)，在數(shù)量上所有者權(quán)益等于（）。

A.全部資產(chǎn)扣除流動負(fù)債

B.全部資產(chǎn)扣除長期負(fù)債

C.全部資產(chǎn)加上流動負(fù)債

D.全部資產(chǎn)扣除全部負(fù)債

30、下列關(guān)于我國地理常識的說法，正確的是()

A.以北京、天津、唐山為中心的京津唐地區(qū)是我國最大的綜合性工業(yè)基地

B.中國稀土的儲量和產(chǎn)量均居世界首位

C.準(zhǔn)嘎爾盆地位于新疆境內(nèi)，在天山以北，是我國最大的盆地

D.海南省有〃東方夏威夷〃的美稱，簡稱〃瓊〃，省會是三亞

31、資料：Largeindustrializedarenowinarecession.Whataretheprospectsforeconomic

recovery?

Thethreemostimportantindustrialeconomiesintheworldare,atthemoment,facing

enormousproblems.Germanyisstrugglingwiththecostofreunificationandisinrecession.

JapanisalsoexperiencingrecessionandtheUnitedStateshasalargebudgetdeficit.

Forecastersandanalystsfacequestionsabouttheprospectsofaneconomicrecovery.Hereare

someoftheirfindings:

TheelectionofanewpresidentoftheUnitedStatesgavehopetotherestoftheworld.IftheUS

recovered,therestoftheworldwouldfaceamorepromisingfuture.However,analystsnow

acceptthattheUSwillonlyrecoververyslowly.

Consumerandinvestorconfidenceisstilllacking.Largedeficitsanddecliningshort-terminterest

ratesmeanthereislittlescopeforeconomicstimulus.

TheJapaneseeconomy,afteryearsoftradeandbudgetsurpluses,isindeeprecessionandthe

growthratehassloweddownconsiderably.Germaneconomistshaveloweredtheirforecastsfor

economicgrowththisyear.TheloweringofGermaninterestratesmaybringsomerelieftoother

membersoftheEuropeanExchangeRateMechanism(ERM).However;Germany'simportance

asEurope'slargestexportmarketmaydecline.

However,insomepartsoftheworld,therearemorepositivesigns,particularlyinsomeLatin

AmericancountriesinSouth-EastAsia.Analystssaysthat,aslongastherateofintereststays

abovetherateofgrowthatnationalincome,thentheratioofdebttoincomewillgetworse.

Fallinginterestrateshelptowardsovercomingthisproblem.Theybelieveitmaytakeseveral

yearsbeforethereisrealrecovery.However,advancesintechnologyareofferinghopeforthe

worldeconomy.

Theimportantindustrialeconomiesmentionedinthepassageare.

A.LatinAmericancountriesandinSouth-EastAsia

B.German,JapanandChina

C.German,JapanandUnitedStates

D.Notmentioned

32、Thecarindustryhasexpandedata()rateoverthepasttenyears.

A.rapidness

B.rapidly

C.rapidity

D.rapid

33、我國《刑法》對完全刑事責(zé)任年齡的規(guī)定是（）。

AA4周歲

B.B6周歲

C.18周歲

D.20周歲

34、按照保險對象的不同可將保險分為（）。

A.人身保險與財產(chǎn)保險

B.自愿保險與強制保險

C.保險與再保險

D.信用保險與人身保險

35、下列屬于短期資金市場的是（）。

A.票據(jù)市場

B.債券市場

C.資本市場

D.股票市場

36、資料：EarlyExperiences

Ifyou'vecommunicatedapositiveinitialimpressionandcustomersdecidetoexploreyour

product,cantheydiscoverthefeaturesandfunctionsthathelpgetthemuptospeed?Doesyour

interfaceprovideclear;streamlinedpathsfreeofunnecessaryinstructions,distractingvisual

elements,orunneededfeaturesorfunctionality?Finally,howwelldoesyourproducthelp

customersgetthebenefitstheywant,orevenleadthemtobenefitstheywereunawareof?

Testinghelpsdetermineifcustomersfindtheterminologyclearandjargon-free;whetherthe

pageandcontentisorganizedlogicallyfromtheirperspective;ifprocesses-suchasregistration,

checkoutorupgrading-areefficientandeasytouse;andifit'sclearhowtocancelaprocessor

navigatetoaspecificfunctionorlocation.

Maturity

Overtime,discoveringshortcutsandadvancedfunctionalitywillhelpmaturecustomersdotheir

jobsmorequickly.You'llwanttotesthowtheseoptionsarecommunicatedandensurethatthey

addresstheneedsofthesecustomerswithoutimpactingtheexperienceofothercustomers.

Unlessyoutestwithactualusers,yourproductteamwon'tgetatrueperspectiveaboutwhat

yourproductisliketousebythepeoplewhomattermosttheusersthemselves.Thismayseem

obvious,butinmanyorganizations,approximatecustomers-suchassalespeople-aresometimes

usedtoreviewproducts.Afterallztheyhavealotofcustomercontact.Butsalespeopledon't

havethesamemotivationsorcontextascustomers.Atbest,thisapproachisrisky.Whenyoutest

withrealusers,usabilitytestsensurethatallproductstakeholdersgetarealistic,honestviewof

yourproduct'seffectiveness.

Ifyouhaveneverwatchedacustomeruseyourproduct,youmightbeinforasurprise."Obvious"

productassumptionsmaybechallenged,oryoumightfindthatcustomersthinkdifferentlyabout

whatvaluemeanstothem.Whateveryoudiscover;you'llunearthinformationtodevelop

productsthataremorelikelytobeonesthatyourcustomersvalue.

Whichofthefollowingsisnotmentionedassomethingyoushouldcareabout?

A.streamlinedinterface

B.freeofredundantfunctionality

C.Benefitthecustomers

0.Satisfyalltheneedofthecustomers

37、下列表述正確