2009年12月27日中国银行笔试原题.doc

2009.12.27机试：只有在最开始介绍题型和题量，没有在做的过程中时时更新，导致不知道还有多少题没有做，（这个没有银行从业和证券从业做的科学），有人已经在版上建议了抄下有多少题。总结里可能也包括了别人回忆出来的，然后加以补充选项的。目前综合共回忆出60多道题，好像总共86题，因为我行测后错点了交卷，哈哈，提示还有86题没完成，不过没有确认，这点很好，会要你再三确认的。英语：和去年的笔经考题一样，单词，改错，完形，阅读（普通阅读+一篇排序+一篇填空+5分钟两篇快速阅读），单词是六级难度，完形较简单（但不用看第二遍了，开始我自认为做的快，看了第二遍，结果没有充分利用好这部分节省下来的时间）好像也是六级还是考研或者专八的题，有点印象，还不是完全一样，那篇也讲的是light therapy.以下是原文：When travelers pass from one time zone to another, they suffer from disrupted circadian rhythms, an uncomfortable feeling known as jet lag. For instance, if you travel from California to New York, you lose 3 hours according to your bodys clock. You will feel tired when the alarm rings at 8 a.m. the next morning because, according to your bodys clock, it is still 5 a.m. It usually takes several days for your bodys cycles to adjust to the new time. To reduce the effects of jet lag, some doctors try to manipulate the biological clock with a technique called light therapy. They expose people to special lights, many times brighter than ordinary household light, for several hours near the time the subjects want to wake up. This helps them reset their biological clocks and adjust to a new time zone.Symptoms much like jet lag are common in people who work nights or who perform shift work. Because these peoples work schedules are at odds with powerful sleep-regulating cues like sunlight, they often become uncontrollably drowsy during work, and they may suffer insomnia or other problems when they try to sleep. Shift workers have an increased risk of heart problems, digestive disturbances, and emotional and mental problems, all of which may be related to their sleeping problems. The number and severity of workplace accidents also tend to increase during the night shift. Major industrial accidents attributed partly to errors made by fatigued night-shift workers include the Exxon Valdez oil spill and the Three Mile Island and Chernobyl nuclear power plant accidents. One study also found that medical interns working on the night shift are twice as likely as others to misinterpret hospital test records, which could endanger their patients. It may be possible to reduce shift-related fatigue by using bright lig hts in the workplace, minimizing shift changes, and taking scheduled naps.Many people with total blindness experience life-long sleeping problems because their retinas are unable to detect light. These people have a kind of permanent jet lag and periodic insomnia because their circadian rhythms follow their innate cycle rather than a 24-hour one. Daily supplements of melatonin may improve night-time sleep for such patients. However, since the high doses of melatonin found in most supplements can build up in the body, long-term use of this substance may create new problems. Because the potential side effects of melatonin supplements are still largely unknown, most experts discourage melatonin use by the general public.阅读难度可能有考研的难度，建议做完普通阅读就去做5分钟的速度，注意他设定了只有5分钟，5分钟后不能修改此部分答案。然后回来做排序和填空。排序是09年的一道普通阅读真题，打乱顺序了。有印象，但不记得，导致我很纠结，觉得自己看过也不会，因为误认为是前几天做过的排序真题，竟然也不记得了。静不下心来好好看题了，费了不少时间，最后还是乱猜的，没有按同一个答案填，应该错很多。如果英语不是那么强，或者时间不够的还是建议按一个答案填。因为乱了心思加之时间也不太够了，填空也没有好好做。这个是教训，同学们如果碰到这种情况还是要调整好心态，虽然可能记得会拉很多分，也节省时间去做下一题，但确实不记得了，也就罢了，当新题来做。一定要抓紧时间，因为基本上时间就只是刚刚够的。排序原文：09年考研普通阅读Text 3The relationship between formal education and economic growth in poor countries is widely misunderstood by economists and politicians alike progress in both area is undoubtedly necessary for the social, political and intellectual development of these and all other societies; however, the conventional view that education should be one of the very highest priorities for promoting rapid economic development in poor countries is wrong. We are fortunate that is it, because new educational systems there and putting enough people through them to improve economic performance would require two or three generations. The findings of a research institution have consistently shown that workers in all countries can be trained on the job to achieve radical higher productivity and, as a result, radically higher standards of living. Ironically, the first evidence for this idea appeared in the United States. Not long ago, with the country entering a recessing and Japan at its pre-bubble peak. The U.S. workforce was derided as poorly educated and one of primary cause of the poor U.S. economic performance. Japan was, and remains, the global leader in automotive-assembly productivity. Yet the research revealed that the U.S. factories of Honda Nissan, and Toyota achieved about 95 percent of the productivity of their Japanese countere pants a result of the training that U.S. workers received on the job.More recently, while examing housing construction, the researchers discovered that illiterate, non-English- speaking Mexican workers in Houston, Texas, consistently met best-practice labor productivity standards despite the complexity of the building industrys work.What is the real relationship between education and economic development? We have to suspect that continuing economic growth promotes the development of education even when governments dont force it. After all, thats how education got started. When our ancestors were hunters and gatherers 10,000 years ago, they didnt have time to wonder much about anything besides finding food. Only when humanity began to get its food in a more productive way was there time for other things.As education improved, humanitys productivity potential, they could in turn afford more education. This increasingly high level of education is probably a necessary, but not a sufficient, condition for the complex political systems required by advanced economic performance. Thus poor countries might not be able to escape their poverty traps without political changes that may be possible only with broader formal education. A lack of formal education, however, doesnt constrain the ability of the developing worlds workforce to substantially improve productivity for the forested future. On the contrary, constraints on improving productivity explain why education isnt developing more quickly there than it is.总结：应该拿以前的六级单词来练，改错因为是一句句的，和一篇的改错有点不一样，但也可以去找六级的练。阅读拿专八或者考研的题练习，速读这个做一两篇就好，不用费时间复习，专四和专八里有。排序和填空阅读可以找考研真题练练，或者看一本新题型的书。中行的复习英语还是要好好看的。也有可能碰到原题的。职业能力测试：和去年完全不一样，就是公务员的行测，没怎么按这个复习，还是靠了国考准备的时候打下的底子。不过行测比较简单。综合专业：计算不要忽视。（太难的可以跳过，先随便选一个）经济金融会计等（今年几乎没考经济学）1.有MM定理计算，给了无债时候的资金成本等，计算有债的企业价值。具体不记得了。2.考了看涨看跌期权。大意是；如果原生资产股票价格现在31元，有一个看涨期权执行价30元，期权费5元，一个看跌期权执行价30元，期权费0.5元。还给了无风险利率10%？问是看涨期权还是看跌期权高估或低估，怎么套利（选择）。3.考了关税的有效保护率。进口电视机和显像管分别20%，10%的关税。显像管的价值是电视机价值的四分之一，问电视机的有效保护率，（A.24.？%，B.26.？%，C.29.？D.32.%）好像是26.？%那个答案。4. 甲乙两人房屋置换，甲的房子140平，100万，乙的房子120平，70万，问应收多少契税，税率1%。（0.3万，0.7万，1万，等）5. 消费函数为C=100+(y-t)*0.8，其中c是消费 y是收入 t是税收。问如果政府支出和税收同时增加100，收入如何变化：选.收入增加100（政府平衡系数为1）6.某人买某债券，票面利率为6%，每年付息60美元，连续10年，到期还本1000美元，问该债券的内在价值（1000？）7. 已知销售后含税价格5600？（不记得了），消费税率30%，求应纳的消费税？A.1500 B.1200 C.1000 D其他8.市场如果是弱势有效的话，它反映了什么信息？ A. 反映了所有公开信息 B、反映了内幕消息 C.反映了即时消息，D.仅反映了历史交易信息9. 福费廷的特点：A. 涉及金额小，浮动利率 B.金额大，浮动利率 C.金额小，固定利率 D.金额大，浮动利率10. 如果一个人进口500万，约定用远期3个月的信用证交易，他面临的是什么风险？（好像每年都考，但我没有去找过答案，好像还是答错了）A.交易风险 B.折算风险 C.经济风险 D.会计风险11. 2009我国发行有史以来期限最长的国债，50年期限，其发行采用的招标方式： A.美国式、混合式、荷兰式、欧洲式12. 甲贷款给乙，本来在合同中约定乙用其房屋A作抵押，但在抵押登记时登记的是B，问根据物权法最终无法还款要执行抵押权利，应该对A还是B，还是随便A还是B都可以还是不能主张权利。13. 票据流通中，有四个背书人甲乙丙丁，后来发现票据的金额是变造的，经过鉴定发现，甲乙都是在变造前签章，丁是在变造后签章，无法确定丙的签章是在变造前还是变造后，问最终应该谁对持票人戊负责：A. 甲乙丙丁都以变造金额对戊承担责任 B. 丙丁对戊承担责任 C. 甲乙都以变造前金额对戊承担责任丙丁都以变造金额对戊承担责任D甲乙丙都以变造前金额对戊承担责任，丁以变造金额对戊承担责任14. 公司法修改后的规定： A. 一个有限责任公司股东对公司债务承担无限连带责任 B最低出资额3万元15.保险合同中以下哪项是不必要写的：A.保险人和被保险人的住所或者名称B. 保险人的住所和名称C. D. 保险人和被保险人的关系16.哪个理论是宏观经济学理论：A.鲍莫尔模型 B.17.期权定价理论的最初的模型提出者是谁？(英文名)答案好像是C。black-scholes option pricing model根据BS模型推出为名字里含有B和S的。（A.为舒瓦茨和谁。还有个选项有myron）18. 没有得到委托人指示，托收行就应付款人申请，在T/R条件下把提货清单给了付款人，付款人提货后没有钱付款，谁承担责任？A.托收行 B.委托行 C.付款人 D.委托人19. 信用卡消费时怎么记账？A.消费时借记支出贷记应付账款，还款时借应付账款，贷记现金。B. 消费时借记现金贷记应付账款，还款时借应付账款，贷记支出。等等20. 弗里德曼货币需求理论强调恒久性收入21. 以下哪个风险最大VAR？A.5年期99%置信区间 B.1年期95置信区间 C.5年期95置信区间， D.1年期99%置信区间22. M是一银行的理财经理，他所接待的下列客户中风险承受能力最大的是：A.王大妈，能承受20%本金损失 B.李先生非常关注股市，兴趣很高，而且即使套牢也不止损C.张小姐喜欢听专家消息炒股，赚了高兴赔了睡不着觉。D.某某不求高利润回报，只求基本平稳23. 货币政策工具中央银行最没有主动权的是： A. 直接信用控制B。再贴现政策 C. 存款准备金 D.24. 开放式基金公开募集要达到多少亿,多少户：A.1亿，100户 B。2亿 100户 C.2亿 1000户 D25. 某银行买入的外汇大于卖出的外汇：空头还是多头26.哪个是商业银行的核心资本？ A.未分配利润 B. C.次级贷款 D.呆账准备金27.全球金融危机下银行遭受损失，最先损失的是什么？ A.现金流 B.准备金 C.资本金 D.28. 凯恩斯流动性溢价是什么？A.即期利率与预期未来远期利率之差。 B.预期未来即期利率与远期利率之差。 C29.那个票据要承兑？A.即期本票 B.即期汇票 C.远期汇票 D.远期本票（每年都考）30. 费雪方程式与剑桥方程式多选： 1.某人现在有一个股票，他担心未来价格会下跌，问怎么套期保值：A. 现在买看涨期权 B.现在买看跌期权C.做空头期货套期保值 D.做多头期货套期保值2. 哪些是2004年新巴塞尔协议新提出的 A. 信用风险的内部评级法 B. 资本分为核心资本和附属资本C. 表外纳入表内监督、D提出信用风险、市场风险和操作风险3.今年的GDP包括哪些：A.去年建的房子今年销售的增值 B.今年新建的房子 C.旧二手车的销售价格 D.以新的发动机换旧的磨损的不能用的发动机4.压力测试相比VAR的优势：A.压力测试能测试肥尾效应BC.压力测试能准确衡量最大损失。D. VAR能衡量最大损失，不能衡量损失可能性5.下列哪些同时引起资产和负债变动：A.还银行负债1000万元。 B.买了个固定资产 C. D.6. 效用U=XY，X价格为1,Y的价格为2，收入40元，问：A.Y 的价格降为1，X的最优选择不变。B. Y 的价格降为1，对X的替代效应为-10，收入效应为10.7.期权的价格变动与什么有关，选正确的： A.期权的价格与期限同方向变动。B. 期权的价格与市场利率同方向变动。 C. 期权的价格与股票红利分配反方向变动 D. 与股票价格波动幅度无关8. 基础货币是？A.法定存款准备金 B.库存现金 C.流通中公众持有的现金 D.存款金额9. 哪些是中长期贷款？ A打包放款 B.银团贷款 C.福费廷 D.票据贴现？10.其他考点 UCP600相比UCP500的进步，国际收支支出分析劳动法要好好看1某某某跟公司签订5年的劳动合同，试用期规定应该是：不超过6个月（这题竟然改错了：劳动合同期限三个月以上不满一年的，试用期不得超过一个月；劳动合同期限一年以上不满三年的，试用期不得超过二个月；三年以上固定期限和无固定期限的劳动合同，试用期不得超过六个月。每年考）2.女职工在孕期、产期、哺乳期不得解除劳动合同。有两题：一个是某人在孕期营私舞弊对单位造成重大损失，怎样才可以解除劳动合同？A。孕期过后解除。B.不可以解除，C.哺乳期过后解除，D立即解除一个是作为某题的一个选项。3. 集体合同订立后，应当报送劳动行政部门；劳动行政部门自收到集体合同文本之日起十五日内未提出异议的，集体合同即行生效。（有30，15等）4.企业拖欠工人最低工资，经有关部门提醒后一定期限后仍然拖欠，逾期应对其罚款：A最低工资的50%到100%B100%到200% C、D。（第八十五条用人单位有下列情形之一的，由劳动行政部门责令限期支付劳动报酬、加班费或者经济补偿；劳动报酬低于当地最低工资标准的，应当支付其差额部分；逾期不支付的，责令用人单位按应付金额百分之五十以上百分之一百以下的标准向劳动者加付赔偿金：（一）未按照劳动合同的约定或者国家规定及时足额支付劳动者劳动报酬的；（二）低于当地最低工资标准支付劳动者工资的；（三）安排加班不支付加班费的；（四）解除或者终止劳动合同，未依照本法规定向劳动者支付经济补偿的。）5.试用期的规定还有一题，