2011河北建行定向柜员类招聘笔试真题(完整版).doc

第1部分：行政能力测试1）言语理解1、下列各句没有语病的一句是（）。A、由于古文观止具有特色，自问世以后近三百年来，广为传布，经久不衰，至今仍不失为一部有价值的选本B、随着科学技术日新月异的发展，电脑已成为人们不可或缺的工具，在人们的学习和工作中发挥着重要的作用C、人们一走进教学楼就会看到，所有关于澳门历史的图片和宣传画都被挂在走廊两边的墙壁上D、最让人高兴的是，在全厂职工团结协作日夜奋战下，全年的生产指标终于超额完成了答案：B2、一个人，一个家庭，一个国家，具备了节俭的美德，具有艰苦奋斗的精神，那么，无论环境多么，生活多么，道路多么，都会顽强生存，一步步走出困境，最终走向强盛。句中划线部分填词最恰当的一项是（）。A、恶劣艰难曲折B、艰难恶劣曲折C、恶劣曲折艰难D、曲折艰难恶劣答案：A3、在一个如此欧洲化的地方，欧盟宪法理所当然成为了当地的一个焦点话题，令人感到_的是，这里不是赞成的声音最响亮的地方，而是反对者的天下。填入划横线部分最恰当的一项是：、遗憾B、扫兴C、惊奇D、意外答案：D4、科学发展观对于中国特色社会主义事业的_的指导意义，将随着实践的发展而越来越充分地显示出来。句中划线处应填入（）。A、重大而深刻B、极其重大C、极其深远D、重大而深远答案：D5、只要生存本能犹在，人在任何处境中都能为自己编织希望，哪怕是极可怜的希望。陀思妥耶夫斯基笔下的终身苦役犯，服刑初期被用铁链拴在墙上，可他们照样有他们的希望：有朝一日能像别的苦役犯一样，被允许离开这堵墙，戴着脚镣走动。如果没有任何希望，没有一个人能够活下去。从文段中可悟出的哲理是()。A、生存是第一要义B、理想是生存的精神支柱C、置于死地而后生D、生存的目的在于发展答案：B6、拾穗者本来描写的是农村夏收劳动的一个极其_的场面，可是它在当时产生的艺术效果却远不是画家所能_的。填入划横线部分最恰当的一项是：、热闹设想B、平凡意料C、火热控制D、忙碌想象答案：B7、中国的高科技及其产业能否在世界上占有_，将成为中华民族实现现代化，进入世界强国之列的关键。A、重要地位B、一席之地C、关键位置D、显要地位答案：B8、从给出的几句话中选出没有语病的一句（）。A、随着我国人口结构中老龄人口的增长，老人对生活、学习用品的需要也将不断增长B、运动会开幕式后，上演了名为太阳冰雪亚细亚的大型文艺表演C、镇政府大院，张灯结彩，有八对青年男女在这里喜结良缘，这是该镇进行的第七批农村青年集体婚礼D、这种将企业各方的权利义务用合同、章程等方式加以明确，对于职工行使民主管理权力无疑是一种保障答案：A9、阅读优秀作品，_其语言，感受其思想、艺术自然力，不仅可以_大自然和人生的多姿多彩，还可以激发_自然、热爱生活的感情。A、品味体味珍爱B、品评体验珍惜C、品评体验珍爱D、品味体味珍惜答案：A10、相对来说，选择整体经济社会的技术结构，以及制定实现该种结构的有关政策，是一项独立于其他领域，可以在科技战略内部完成的任务。并且，技术结构极大地制约着整体经济社会的发展。因此，发展中国家和地区的科技战略和政策中，技术结构策略居于核心地位。这段话主要支持了这样一种论点，即（）。A、科技战略是可以独立于其他领域而独立完成的B、在发展中国家和地区的科技战略和政策中，应将技术结构置于核心地位C、制定科技战略要依据不同的国情D、技术结构制约着经济社会的发展答案：B11、下列依次填入横线处的词语，恰当的一组是与常规的计算机相比，生物计算机具有密集度高的突出优点。_用DNA分子制成生物电子元件，将比硅芯片上的电子元件要小得多，_可小到几十亿分之一米。_，生物芯片本身具有天然独特的立体结构，其密度要比平面型硅集成电路高10万倍。（）A、由于甚至所以B、只是也许可见C、如果甚至而且D、虽然也许然而答案：C12、找出没有语病的一句是（）。A、今天上级领导来我县检查卫生工作B、不只是在党小组上的生活会上使他受到教育和党小组长的谆谆教诲使他认识到必须那样做C、想一想路厂长，想一想杨总工，他们为了把工厂的产品的质量抓上去，奋发图强，为的是什么D、这座岳阳楼的重新建筑年代，原来是滕子京谪守巴陵郡的时候，派人在洞庭湖畔修建的答案：A13、八股文是古代的一种文体，在封建时代用于科举考试。它必须“代圣人立言”，在形式上也必须遵守一些死板的_。1905年，清朝政府宣布废止科举考试制度，八股文随之失去它的实际效用；新文化运动兴起时，它作为封建旧文化的象征之一，受到严厉_；随着时间的推移，自然成了无人肯说的_话题。A、限定抨击生僻B、限制批评生僻C、限制批评冷僻D、限定抨击冷僻答案：D14、在西斯廷礼拜堂的天花板上，文艺复兴时期的艺术巨匠米开朗基罗把他笔下的人物描绘得如此雄壮、有力。在意大利，每当我们看到这些魁伟强劲、丰满秀美的人体艺术作品时，就会深深地感到人类征服自然、改造自然的勇气和力量，使我们对文艺复兴运动与现代体育的渊缘有了更深刻的理解。这段文字是在谈文艺复兴运动与()。A、意大利B、现代体育C、人体艺术D、米开朗基罗答案：C15、依次填入句中横线上的词语，恰当的一组是（）他不决地伫立着，缓缓环顾四周的房屋和院中的景物。他们学习了中国教育改革和发展纲要，决心统筹安排，因地制宜，推进农村教育综合改革。为了躲避敌人的搜捕，她成一个阔太太，打扮得珠光宝气。A、犹豫、逐步、化装B、迟疑、逐渐、化妆C、迟疑、逐渐、化装D、犹豫、逐步、化妆答案：A11、经济体制是属于生产关系的范畴。目前，尽管公有制的生产关系在我国占主导地位，但生产力低下，使得其与生产关系的矛盾十分突出，因此（）。A、我国的生产关系超前了B、如果目前的趋势再持续下去，在不久的将来，公有制将失去主导地位C、要改革经济体制，首先要大力发展生产力D、生产关系决定生产力答案：C12、目前，生物加工食物体系要成为现实，还有几件事要做。先得能在培养基里培养出蔬菜 或水果的组织，还得能扩大产量以应市场之需。而要大量经济地生产，还得研制出廉价原料 ，利用其中的基本营养成份进行批量生产。由此可以推出（）。A、研制出廉价原料是生物加工食物体系的关键B、目前已经能在培养基里培养出蔬菜或水果的组织C、只要有廉价的肥料就能扩大产量D、目前的原料太昂贵答案：D13、作为意识的“本体”的人脑，必然是现实的人脑；现实的人脑总是长在现实的人身上的；而现实的人又总是处在一定的社会关系之中的。所以（）。A、人脑是意识的真正本体B、人本身是意识的真正本体C、社会关系是意识的真正本体D、意识没有真正的本体答案：C14、知识作为人类认识的结果，是一个外延很大的概念。它一般包括四个层次或方面，即常识、经验概括、科学知识和哲学知识。所谓常识，主要包括格言、谚语等一般人普遍熟知的知识，而科学知识是一种理论体系，具有逻辑性、系统性。因此（）。A、科学知识是绝对真理，不容置疑B、与科学知识相比，常识有很多经不起推敲的地方，即其包含着许多错误C、科学知识中包含着常识D、常识都不可信答案：B15、诚然，西方是人类很多文明成就的展示台，其一些价值观是人类壮举的注脚，如对科学实验的信仰，向假说挑战的意志。但对实践这些价值的社会的迷信会导致一种特有的盲目；无法理解某些夹杂在其中的价值可能是有害的。但要看清这一点，人们必须站在西方之外，所谓“当局者迷，旁观者清”这说明（）。A、西方的价值观已走到尽头B、西方的价值观比其它文明的价值观优越C、只有从非西方文明的价值及观点出发，才能真正认清西方价值观的问题之所在D、非西方价值观比西方价值观优越答案：C4）图形推理1、请从所给的四个选项中，选择最合适的一个填入问号处，使之呈现一定的规律性。答案：B2、请从所给的四个选项中，选择最合适的一个填入问号处，使之呈现一定的规律性。答案：D3、答案：B4、答案：A5、答案：D6、答案：C7、答案：D8、答案：B9、答案：D10、答案：B5）资料分析资料1：我国“八五”期间国民生产总值年均增长120，其中沿海12省平均增长速度高达165，内陆省(区、市)平均为92。1995年国民生产总值达57650亿元，提前实现了国民生产总值比1980年翻两番的战略目标。全国“七五”期间第一、二、三产业占国民经济总产值比重分别为263、433、304。“八五”期间第一、二、三产业占国民经济总产值的比重量，与“七五”期间相比，第一产业下降了49个百分点，第二产业提高了27个百分点，第三产业上升了22个百分点。 11980年我国国民经济生产总值超过：A10000亿元B15000亿元C20000亿元D。25000亿元答案：A2沿海12个省(区、市)国民经济生产总值平均增长速度是内陆省(区、市)的几倍?A2B18C15D12答案：B3沿海12省(区、市)国民经济生产总值年均增长速度比全国年均增长速度高多少百分点?A3B35C4D45答案：D4“八五”期间全国第一、二、三产业总值占全国国民经济生产总值的比重有所下降的为：A第三产业B第二产业C第一产业D没有下降的答案：C5“八五”期间，第三产业占全国国民经济生产总产值的比重为：A308B315C320D326答案：D资料2：6.1999年广告费支出最大的五个公司中哪一个公司的广告支出比(广告支出销售额)最小?（）。 A.P B.Q C.R D.S答案：D7.其他形式的广告花费1999年比1996年约增加了多少亿元?（）。 A.0 B.3.9 C.8.2 D.12 答案：B8.1999年广告费支出最大的五个公司的广告花费额约占当年广告费总额的（）。 A.4 B.12 C.24 D.30 答案：A9.1999年通过邮寄形式的广告费用约为（）。 A.340 000元 B.3 400 000元 C.34 000 000元 D.340 000 000元 答案：D10.如果1999年全部广告费的0.2%用于包装材料的印刷，那么此项支出约占其他形式类的广告支出的百分比为（）。 A.0.2 B.0.8 C.5% D.8%答案：B第2部分：专业能力测试不定向选择题：1、存款保险制度的目的是为了保护（）的利益。A、银行B、存款人C、国家D、投资者答案：B2、商品流通企业的指导思想、经营工作作风，包括价值观念、道德规范、文化传统、风俗习惯、典礼仪式、管理制度以及企业形象等内容，属于商品流通企业的（ ）。A、企业文化B、企业环境C、企业道德D、企业风尚答案：A3、连锁经营的扩张策略不包括（ ）策略。A、扩张资本B、扩张密度C、扩张商圈D、扩张速度答案：C4、通货膨胀的过程是一种强制性的（）过程。A、财政收入分配B、财政收入再分配C、国民收入初次分配D、国民收入再分配答案：D5、按贷款对象，消费贷款可分为买方信贷和卖方信贷，后者是发放给（）的贷款。A、金融机构B、消费者C、销售企业D、社会公众答案：C6、以下不属于市场准入监管的是（）。A、审批资本充足率B、审批注册机构C、审批注册资本D、审批高级管理人员任职资格答案：A7、在项目融资的所有协议中，核心的协议是（）。A、信用担保协议B、特许权协议C、完工协议D、融资协议答案：B8、在资产证券化中，将原始权益人的资产过户给特殊目的公司（spv），必须以真实销售的方式进行。这里的真实销售是指（）。A、spv破产时该资产不列入清算范围B、原始权益人破产时该资产不列入清算范围C、spv获得证券发行收入D、原始权益人破产时该资产列入清算范围答案：B9、并非所有资产都可以证券化，以下属于可以证券化资产特征的是（）。A、具有标准化的合同条款B、付款间隔期限长C、资产组合中资产数量少D、本金到期一次偿还答案：A10、资本资产定价模型（CApm）中的贝塔系数测度的是（）。A、利率风险B、通货膨胀风险C、非系统性风险D、系统性风险答案：D11、有效利率是指按复利支付利息条件下的一种复合利率，当每年记息次数一次以上时，有效利率与一般市场利率的关系是（）。A、有效利率低于市场利率B、有效利率高于市场利率C、有效利率等于市场利率D、不能确定答案：B12、政府发行公债后，其挤出效应使民间部门的投资（）。A、规模扩大B、规模减小C、效益提高D、效益降低答案：B13、根据巴塞尔协议的规定，以下属于商业银行核心资本的是（）。A、中期优先股B、损失准备C、附属机构的少数股东权益D、可转换债券答案：C14、资本金是金融机构抵御风险和吸收损失的保障，“巴塞尔协议”对于银行业的监管以()为核心。A、不良贷款率B、资产利润率C、资本利润率D、资本充足率答案：D15、商业银行财务管理的核心内容是（）。A、资本金管理B、利润管理C、财产管理D、成本管理答案：D16、商业银行在资产业务方面进行创新的主要目的在于（）。A、扩大资金来源，创造派生存款B、套期保值，回购交易，贷款证券化C、扩大业务范围，强化银企关系D、降低风险，服务客户，扩大收益答案：D17、商品流通企业选择供应商时，要评价供应商交货是否及时。评价供应商交货及时性的指标是（ ）。A、供货免检率B、合同完成率C、收发准确率D、存货周转率答案：B18、绿色营销应该以（ ）为中心，为消费者提供能有效防止资源浪费、环境污染及损害健康的商品。A、绿色产品B、绿色信息C、绿色需求D、绿色技术答案：C19、客户关系管理兴起的原因之一是管理理念的更新，使企业从传统管理理念向客户关系管理理念转变，体现为（ ）。A、从产品中心向成本中心的转移B、从产品中心向技术中心的转移C、从产品中心向服务中心的转移D、从产品中心向客户中心的转移答案：D20、自由连锁与正规连锁和特许连锁相比，不足之处是（ ）。A、成员店自主权小B、发展受到地域限制C、管理方式集中D、灵活性差答案：B21、我国证券法禁止的证券交易行为有（）。A、委托交易B、内幕交易C、欺诈交易D、自助交易E、操纵交易答案：BCE22、商业银行传统的组合营销因素包括（）A、计划B、产品C、价格D、促销E、渠道答案：BCDE23、通关的基本程序除申报外，还包括。A、查验B、税费计征C、放行D、监管E、结关答案：ABCE24、改善供给的一般措施有（）。A、增加货币供给B、调节货币供给结构C、降低税率促进生产D、实行区别对待的信贷政策E、发展对外贸易增加进口。答案：CDE25、商业银行创造派生存款的条件有（）。A、创造信用流通工具B、全额准备金制度C、部分准备金制度D、现金结算制度E、非现金结算制度答案：ACE第3部分：英语能力测试资料1： “Tear em apart!” “Kill the fool!” “ Murder the referee ( 裁判)！” These are common remarks one may hear at various sporting events. At the time they are made, they may seem innocent enough. But lets not kid ourselves. They have been known to influence behavior in such a way as to lead to real bloodshed. Volumes have been written about the way words affect us .It has been shown that words having certain connotations (含义) may cause us to react in ways quite foreign to what we consider to be our usual humanistic behavior . I see the term “opponent “ as one of those words . Perhaps the time has come to delete it from sports terms.The dictionary meaning of the term “opponent “is “adversary “:“enemy “; “one who opposes your interests.” “Thus, when a player meets an opponent, he or she may tend to treat that opponent as an enemy. At such times, winning may dominate ones intellect, and every action, no matter how gross, may be considered justifiable. I recall an incident in a handball game when a referee refused a players request for a time out for a glove change because he did not considered then wet enough. The player proceeded to rub his gloves across his wet T-shirt and then exclaimed. “Are they wet enough now?”In the heat of battle, players have been observed to throw themselves across the court without considering the consequences that such a move might have on anyone in their way. I have also witnessed a player reacting to his opponents international and illegal blocking by deliberately hitting him with the ball as hard as he could during the course of play. Off the court, they are good friends. Does that make any sense? It certainly gives proof of a court attitude which departs from normal behavior.Therefore, I believe it is time we elevated(提升)the game to the level where it belongs thereby setting an example to the rest of the sporting world . Replacing the term “opponent “with “associate” could be an ideal way to start.The dictionary meaning of the term “associate “ is “colleague” ; “friend” ; “companion.” Reflect a moment! You may soon see and possibly feel the difference in your reaction to the term “associate” rather than “opponent.”1. Which of the following statements best expresses the authors view?A) Aggressive behavior in sports can have serious consequences B) The words people use can influence their behavior C) Unpleasant words in sports are often used by foreign athletes D) Unfair judgments by referees will lead to violence on the sports field 答案：B2. Harsh words are spoken during games because the players _A) are too eager to win B) are usually short-tempered and easily offended C) cannot afford to be polite in fierce competition D) treat their rivals as enemies 答案：D3. What did the handball player do when he was not allowed a time out to change his gloves?A) He refused to continue the game B) He angrily hit the referee with a ball C) He claimed that the referee was unfair D) He wet his gloves by rubbing them across his T-shirt 答案：D4. According to the passage, players, in a game , may _A) deliberately throw the ball at anyone illegally blocking their way B) keep on screaming and shouting throughout the game C) lie down on the ground as an act of protest D) kick the ball across the court with force 答案：A5. The author hopes to have the current situation in sports improved by _A) calling on players to use clean language on the court B) raising the referees sense of responsibility C) changing the attitude of players on the sports field D) regulating the relationship between players and referees 答案：C资料2：Sign has become a scientific hot button. Only in the past 20 years have specialists in language study realized that signed languages are unique a speech of the hand. They offer a new way to probe how the brain generates and understands language, and throw new light on an old scientific controversy: whether language, complete with grammar, is something that we are born With, or whether it is a learned behavior. The current interest in sign language has roots in the pioneering work of one rebel teacher at Gallaudet University in Washington, D.C., the worlds only liberal arts university for deaf people.When Bill Stokoe went to Gallaudet to teach English, the school enrolled him in a course in signing. But Stokoe noticed something odd: among themselves, students signed differently from his classroom teacher.Stokoe had been taught a sort of gestural code, each movement of the hands representing a word in English. At the time, American Sign Language (ASL) was thought to be no more than a form of pidgin English (混杂英语). But Stokoe believed the hand talk his students used looked richer. He wondered: Might deaf people actually :have a genuine language? And could that language be unlike any other on Earth? It was 1955, when even deaf people dismissed their signing as substandard. Stokoes idea was academic heresy (异端邪说). It is 37 years later. Stokoe - now devoting his time to writing and editing books and journals and to producing video materials on ASL and the deaf culture is having lunch at a cafe near the Gallaudet campus and explaining how he started a revolution. For decades educators fought his idea that signed languages are natural languages like English, French and Japanese. They assumed language must be based on speech, the modulation (调节) of sound. But sign language is based on the movement of hands, the modulation of space. What I said, Stokoe explains, is that language is not mouth stuff its brain stuff.6.The study of sign language is thought to be _.A) a new way to look at the learning of languageB) a challenge to traditional, views on the nature of languageC) an approach :to simplifying the grammatical structure of a languageD) an attempt to clarify misunderstanding about the origin of language答案：C7.The, present growing interest in sign language was stimulated by _.A) a famous scholar in the study of the human brainB) a leading specialist in the study of liberal artsC) an English teacher in a university for the deafD) Some senior experts in American Sign Language答案：C8.According to Stokoe, sign language is _.A) a Substandard languageC) an artificial languageB) a genuine languageD) an international language答案：B9Most educators objected to Stokoes idea because they thought _.A) sign language was not extensively used even by deaf peopleB) sign language was too artificial to be widely acceptedC) a language should be easy to use and understandD) a language could only exist in the form of speech sounds答案：D10.Stokoes argument is based on his belief that _.A) sign language is as efficient as any other languageB) sign language is derived from natural languageC) language is a system of meaningful codesD) language is a product of the brain答案：D资料3：The home service industry in Beijing is expected to become more attractive both as a job and as an industry.Sources at the Beijing Peoples Political Consultative Conference said resistance to home service work is melting away from minds of the citys laid-off workers. The Conference suggested the establishment of municipal centers which supervise property management, household mending and installation, and house keeping services. Modern city life is creating a need for industrialization home services. This will create job opportunities for laid-off workers, said Vice director of the Social Judicial Committee of the Conference.Beijing residents have long desired a home service industry. The demand is expected to drive new economic growth. There are few high quality home help services in Beijing and customers are always complaining.In the past, few laid-off workers in Beijing desired to work as home helpers, jobs largely taken by young women from the countryside. At the same time, some city residents have not felt safe trusting rural girls with modern household machines or with their small children. Many people would pay more for reliable house keepers who are more familiar with city life, but they have had no way of getting one, even though the city is home to thousands of laid-off workers.By the end of June this year, there were 30,600 jobless workers in the city. Most of them are women in their 40s, who are not blessed with particular skills and who have had their work ethics shaped by the planned economy. Many of them were at a loss when they first realized they had lost their jobs and a way of life they had got used to for decades.They never imagined being laid-off by state-owned enterprises; they never considered other kinds of employment. For them, the private sector meant taking risks; housekeeping implied lower social status. Gao yunfang, 44, is a pioneer who is breaking the ice. She sells the Beijing Morning Post in the morning, and works at two households in the afternoon. She earns 1,000 yuan per month. So she no longer worries about her daughters tuition at a university in Shanghai.11. What is talked about in the passage?A) Home service. B) Modern city life. C) Laid-off worker. D) Social status.12. What does the word laid-off in the passage mean?A) Heavily-burdened. B) Old. C) Inexperienced. D) Jobless.13. Why were many laid-off workers at a loss?A) Because they didnt get used to the new way of life. B) Because they are too old to find a new job.C) Because they dislike being laid off. D) Because they think they lost their social status.14. Why didnt the laid-off workers like to do home services in the past?A) Low salary. B) Lower social status. C) Dirty working condition. D) Too much extra work.15. In which ways is home service industry good for our society?A) It meets the needs of modern life. B) It provides work opportunities for the laid-off worker.C) It is a new industry. D) A and B.答案：A D A B D资料4：Improbable as it may seem, an increasing number of Germans are giving up their elegant Mercedeses, sleek BMWs and ferociously fast Porsches and getting behind the wheels of imported American models fro plush Cadillacs to more prosaic Fords. Unlike the cars produced by Detroits European subsidiaries, these cars are as American as apple pie and watery beer. And thanks to a favorable exchange rate, they are more affordable than ever Last year Germans bought 12 477 new U.S. built cars; sales are expected to double this year.Like blue jeans, this buy America fad appeals to Germans from all walks of life. Once regarded as faulty, flashy, gas guzzling Goliaths, American autos are thanks in large measure to foreign competition more stylish and reliable than in years past. Tugged, off- road vehicles like the four-wheel drive Jeep Cherokee are now the hot wheels to drive among Germanys thirty- something set. Owners and Aficionados of American made care also boast their cars are cheaper to maintain.But thats not the main reason