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考完了,不管结果如何,希望能给以后的师弟师妹们留下一些有用的资料,也以此答谢应届生论坛、以及坛子里的XDJM们。2023年建行总行的笔试共155道题,70道专业题,15道英语,70综合测试(类似于公务员行测),考试时间180分钟,时间基本上是充足的。从难度上看,综合测试比公务员要简朴不少,特别是数学、资料分析。英语大约与六级难度相称,也不算难。能拉开距离的应当是专业测试,由于建行的专业考试范围很广,涉及到了金融、经济、管理、市场营销、财务会计、计量经济学等各个学科,要想全面覆盖这些知识面,需要平时的积累。非技术类的题分值分布是:专业部分:单选40道,0.5分一题;多选30道,1分一题英语部分:15题,1分一题行测加时事部分:70题,0.5分一题专业题涉及下面的内容:1、法定准备金率2、财政货币政策3、欧式期权4、巴塞尔协议三大支柱5、参数估计和残差6、公司文化7、金融市场的要素8、即期和远期9、商品的需求弹性10、财务报表11、盈余公积12、会计利润13、商业票据贴现14、公允价值和账面价值15、市场细分16、金字塔管理结构中,上级与中级领导比:管理难度与幅度问题17、非货币性商品互换中关于具有商业实质和没有商业实质的问题18、积极的财政政策与扩张的货币政策的使用范围19、国家偿债的率20、财务杠杆问题21、关于物权法中的留置权22、市场占有率:某公司的市场占有率是30%,其他最大三个竞争对手的市场占有率分别为20%,12%,8%。问该公司的相对市场占有率23、有限责任公司股东转让股份的条件24、信用卡信用额度的确认25、银行整存整取问题26、货币市场工具27、公司战略:当公司处在成长期应当:扩大市场占有率?28、哪个属于会计政策变跟:房地产由成本法改为公允价值?不记得了29、关于内部欺诈问题30、新巴赛尔协议中关于逾期贷款的风险权重31、商业银行法中关于客户贷款的问题32、公司申请贷款不需审核的什么。。。。。。33、关于欧式看涨期权说法对的的是:利率上涨及期权时间等对期权价格的影响34、回购债券价格的决定因素35、记录的拟合优度公式36、会计的暂时性差异37、国际结算中关于福费庭的问题38、发现同事们内部欺诈,你怎么做39、税法中关于定额税40、经济法中关于格式条款和非格式条款41、什么是违反了金融管理的行为42、会计里暂时性差异43、会计政策变更及会计报表调整44、项目贷款英语有三篇阅读理解:1、第一篇是反战的2、第二篇是关于美元贬值的3、第三篇是关于网络出版的据说是考研和六级题,在网上一查,果然是的。所以能给大家奉上完整的题目!美元贬值那一篇的语言十分冷风趣,挺故意思的。Text2Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingatarecordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperatorsinMiami-forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthathasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2023peak?ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,whichthanksinparttotheweakdollar,soared11percentbetweenMay2023andMay2023.Forfirstfivemonthsof2023,thetradedeficitactuallyfell7percentfrom2023.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstickbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeveragebusiness.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacationtoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.52.WhydoAmericansfeelhumiliated?A)TheireconomyisplungingB)Theycan’taffordtripstoEuropeC)TheircurrencyhasslumpedD)Theyhavelosthalfoftheirassets.53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?TheyhavetocanceltheirvacationsinNewEngland.Theyfinditunaffordabletodineinmom-and-poprestaurants.Theyhavetospendmoremoneywhenbuyingimportedgoods.Theymightlosetheirjobsduetopotentialeconomicproblems.54HowdomanyEuropeansfeelabouttheU.Swiththedevalueddollar?TheyfeelcontemptuousofitTheyaresympatheticwithit.Theyregarditasasuperpoweronthedecline.Theythinkofitasagoodtouristdestination.55whatistheauthor’sadvicetoAmericans?TheytreatthedollarwithalittlerespectTheytrytowinintheweak-dollargambleTheyvacationathomeratherthanabroadTheytreasuretheirmarriagesallthemore.56Whatdoestheauthorimplybysaying“currenciesdon’tturnonadime”(Line2,Para7)?Thedollar’svaluewillnotincreaseintheshortterm.ThevalueofadollarwillnotbereducedtoadimeThedollar’svaluewilldrop,butwithinasmallmargin.FewAmericanswillchangedollarsintoothercurrencies.Theanswersasfollow:52,B,Theircurrencyhasslumped.53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.54,D,Theythinkofitasagoodtouristdestination.55,C,Theyvacationathomeratherthanabroad.56,A,Thedollar'svaluewillnotincreaseintheshortterm.Text3Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthelaboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwouldthenremovetheauthors’namesandaffiliationsfromthepaperandsendittotheirpeersforreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperforpublicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchersseekingknowledgeoftheresultswouldhavetosubscribetothejournal.Nolonger.TheInternet–andpressurefromfundingagencies,whoarequestioningwhycommercialpublishersaremakingmoneyfromgovernment-fundedresearchbyrestrictingaccesstoit–ismakingaccesstoscientificresultsareality.TheOrganizationforEconomicCo-operationandDevelopment(OECD)wasjustissuedareportdescribingthefar-reachingconsequencesofthis.Thereport,byJohnHoughtonofVictoriaUniversityinAustraliaandGrahamVickeryoftheOECD,makesheavyreadingforpublisherswhohave,sofar,madehandsomeprofits.Butitgoesfurtherthanthat.Itsignalsachangeinwhathas,untilnow,beenakeyelementofscientificendeavor.Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.Itisbigbusiness.InAmerica,thecorescientificpublishingmarketisestimatedatbetween$7billionand$11billion.TheInternationalAssociationofScientific,TechnicalandMedicalPublisherssaysthattherearemorethan2,000publishersworldwidespecializinginthesesubjects.Theypublishmorethan1.2millionarticleseachyearinsome16,000journals.Thisisnowchanging.AccordingtotheOECDreport,some75%ofscholarlyjournalsarenowonline.Entirelynewbusinessmodelsareemerging;threemainoneswereidentifiedbythereport’sauthors.Thisistheso-calledbigdeal,whereinstitutionalsubscriberspayforaccesstoacollectionofonlinejournaltitlesthroughsite-licensingagreements.Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.Finally,thereareopen-accessarchives,whereorganizationssuchasuniversitiesorinternationallaboratoriessupportinstitutionalrepositories.Othermodelsexistthatarehybridsofthesethree,suchasdelayedopen-access,wherejournalsallowonlysubscriberstoreadapaperforthefirstsixmonths,beforemakingitfreelyavailabletoeveryonewhowishestoseeit.Allthiscouldchangethetraditionalformofthepeer-reviewprocess,atleastforthepublicationofpapers.6.Inthefirstparagraph,theauthordiscusses[A]thebackrmationofjournalediting.[B]thepublicationroutineoflaboratoryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublication.7.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.[B]Itintroducesaneffectivemeansofpublication.[C]Itupsetsprofit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.8.Accordingtothetext,onlinepublicationissignificantinthat[A]itprovidesaneasieraccesstoscientificresults.[B]itbringshufitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.9.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.[B]subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepeer-reviewbeforesubmission.10.Whichofthefollowingbestsummarizesthemainideaofthepassage?[A]TheInternetisposingathreattopublishers.[B]Anewmodeofpublicationisemerging.[C]Authorswelcomethenewchannelforpublication.[D]Publicationisrenderedeasierbyonlineservice.参考答案:DCAAB26.Inthefirstparagraph,theauthordiscusses[A]thebackgroundinformationofjournalediting.thepublicationroutineoflaboratoryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublication.[对的答案]D[答案解析]概括段落大意。本文谈的是通过互联网发表研究成果的一种新方式,指出了三大业务模式。第一段先谈传统的杂志出版(论文发表)流程,以此引出话题,所以对的答案是D。A选项journalediting沾点边,但不吻合。做这类题及主题题型可以使用逆向法,即思绪是:假如真要写journalediting的,那应当从如何编辑,如何取舍及一些编辑的细节入手,而本段明显不是。B离题更远,实验报告,从何谈起呀?C作者与杂志社的关系,这个流程是涉及到,但要谈的不是这个。总之,此题从本段的内容,本段在全篇的作用,以及本文要谈的主题角度,可以拟定对的答案。[信心指数]99.9%27.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.Itintroducesaneffectivemeansofpublication.[C]Itupfit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.[对的答案]C[答案解析]A肯定不对,报告并未批评政府资助的研究,是fundingagencies批评commercialpublishers,也就是这些资助一些研究项目的机构质询商业出版机构,我出钱,是为社会受益,咋变成你受益了呢?这个选项错在张冠李戴。B也不对,报告引进(introduces)了一种新的出版方式吗?不是它吧?谁呢?TheInternetismakingaccesstoscientificresultsareality.是Internet,对吧?C对的。Why?事实上是考对这句话的理解:Thereportmakesheavyreadingforpublishers.“heavyreading”是啥意思呢?费力的阅读。此处的heavy意为hardtodooraccomplish;arduous。字面的意思是,这个报告让获取巨大利润的出版商们读起来费劲。为什么读起来费劲啊?是他们的词汇量不够读不懂吗?当然不是,结合文章所述内容,是由于这个报告直指要害,触及了他们。读出了这层意思,C选项当然就可以大胆选啦!D选项不对,全文核心意思,是互联网出版方式会给科学研究带来巨大的好处,使得科学成果更容易被人分享。并不是这个报告自身对科学研究带来多大好处。当然啦,这个报告既然指出了这个趋势,或多或少总能让科研受益一些,但注意命题者还刻意加了一个considerably,一篇报告能有如此“相称的”作用?[信心指数]99.9%28.Accordingtothetext,onlinepublicationissignificantinthat[A]itprovidesaneasieraccesstoscientificresults.itbringshugeprofitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.[对的答案]A[答案解析]文中两句话决定A对的,一是TheInternetismakingaccesstoscientificresultsareality.二是Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.也就是知识的价值在于其广泛传播和即时获取,而互联网使得科学成果的很容易获取变为现实。这不就是基于互联网的在线出版的重大意义吗!B不对,由于文章始终没有谈论研究者的获利问题,要说谈,它也只是谈了scientificpublishingmarket是一个bigbusiness。并且,在线学术期刊的第二种业务模式(open-accesspublishing),还得研究者自己掏腰包的!科学知识自身无比重要的作用不在本文讨论范围,C不对。促进对科学研究的公共投资也无从谈起,D亦被轻松排除。[信心指数]99.9%29.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepeer-reviewbeforesubmission.[对的答案]A[答案解析]考对这句话的理解:Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.通过作者本人(或其老板)付费发表的方式支持开架在线阅览,注意,这里的付费,付什么费用呀?付给出版网站的费吗?我的想应当是发表论文的研究费用,A选项所指即这个,当然这是题外话。B乃空穴来风,毫无根据。C有一定的干扰性,本来这层意思本文也是只字示提,但既然是open-accesspublishing嘛,那用户应当是可以免费使用的。但是不是otheronlinejournals也可以免费使用呢(转载等),这似乎就走得远了点,原文并未提供这方面的信息,排除。D选项轻松排除。[信心指数]99.9%30.Whichofthefollowingbest

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