银行招聘考试综合知识(习题卷5)

试卷科目：银行招聘考试综合知识银行招聘考试综合知识(习题卷5)PAGE"pagenumber"pagenumber/SECTIONPAGES"numberofpages"numberofpages银行招聘考试综合知识第1部分：单项选择题，共177题，每题只有一个正确答案,多选或少选均不得分。[单选题]1.列宁说过?没有革命的理论，就不会有革命的运动?。这句话的哲学含义是（）。A)哲学对经济、政治有着决定性的作用B)哲学是社会变革的先导C)哲学指引人们追求美好的未来D)哲学反映了时代的任务和要求[单选题]2.各国在进行货物贸易统计时对于出Vl额的资料以（）。A)FOB计价B)CIF计价C)CFR计价D)EXW计价[单选题]3.关于国际收支，下列说法正确的是（）。A)国际收支反映的内容是以货币记录的交易B)一国的领事馆在所在国的消费不计入国际收支C)国际收支记录的是一国居民间的交易D)依据交易双方的国籍可以判定该项交易是否应包含在国际收支的范围内[单选题]4.多媒体技术的主要特点是（）。A)实时性和分布性B)实时性和信息量大C)集成性和交互性D)分布性和交互性[单选题]5.下列不属于银行业金融机构的是（）。A)中国银行B)民生银行C)中国人民银行D)中国进出口银行[单选题]6.金融市场的规模和发展程度决定于（）。A)市场成熟度B)市场交易主体的数量C)国家政策D)交易频繁程度[单选题]7.Mostofusentirelyvaluehumanlife，____________somepeoplethinkofanimalsasbeingequallyimportant.A)andB)orC)butD)unless[单选题]8.货币资本循环用公式表示是()。A)P…W'－G'－W…PB)W'－G'－W…P…WC)G…W－G－P…WD)G－W…P…W'…G'[单选题]9.Thesnakefarmerssaidtheyhadbeenbitten,somebydeadlysnakes,andweresavedby_____ofanti-venommedicine.A)injectionB)producingC)infectionD)consuming[单选题]10.下列国家不在世界四大文明古国之列的是（）。A)古巴比伦B)古埃及C)雅典D)古印度[单选题]11.2010年某省8个地市的财政支出(单位：万元)分别为：59000，50002，65602，66450，78000，78000，78000，132100这组数据的中位数和众数分别是（）万元。A)78000．78000B)72225，78000C)66450．132100D)75894．25，132100[单选题]12.医学科学证明，如果人的大脑皮层受损，就会丧失思维能力，没有意识，这说明（）。A)人脑是意识的物质器官B)人脑是意识的源泉C)意识是对外界事物的正确反映D)人脑健康自然会有正确的意识[单选题]13.资料：FASTcarswhizzaround，mallsarefullofexpensiveluxuriesandcranesdominatetheskyline.ButscratchtheshimmeringsurfaceoftheGulfandyousoonfindcountrieshurtingfromthelowoilprice，currentlyaround$40abarrel.Growthisslowingandunemploymentisrising.Policymakersevendareutterathree-letter?t?worduntilrecentlytaboo：tax.OiliscentraltothesixGulfCo-operationCouncil（GCC）states，whichhaveusedthewindfallofthepastfewyearstospendlavishly.Unlikemanyoilexporters，suchasNigeriaandVenezuela，theyhavehighforeign-exchangereservesandlowdebtstocovershort-termgaps.Butpublicspendingisgenerousandtheprivatesectorisheavilyreliantonoiltoboot.Tobesustainableinaneraoflowerprices.therulersmustchangethestructureoftheireconomies.TheIMFreckonstheloweroilpriceknocked$340billionoffAraboil-exportingstates?governmentrevenuesin2015.Thisyearislookingworse.Moody?s，aratingsagency，thismonthdowngradedBahrainandOmanandputonwatchtheotherfourGCCstates：SaudiArabia，Kuwait，theUnitedArabEmirates（UAE）andQatar.?It?stheendofanerafortheGulf，?saysRazanNasserofHSBCinDubai.?Andwe?reonlyjuststartingtoseetheeffects.?Oilreceiptstypicallyaccountformorethan80%ofGCCgovernmentrevenues，risingtoover90%ofSaudiArabia?sbudgetbeforethecrisis.Dubai，oneoftheemiratesmakinguptheUAE，isanexception，withoilaccountingforonly5%ofrevenues.Thatisbecauseithassuccessfullydiversifiedtourismandservicesaccountformostofitsgovernmentrevenues.Governmentsarereactingtothesqueezeontheirincomeswithamixtureofstrategies，drawingdownreservesandtakingondebtontheonehand，andimposingspendingcutsontheother.Lastyeartheymadetweaks，suchascurbingbenefitsforpublicservants.Thisyearwillbetougher.Omanhastoldallstate-ownedenterprisestoremoveperkssuchascars.QataricompaniesincludingAlJazeeraandtheQatarFoundation，aculturalorganization，havelaidoffemployees.Withsuchtweaks,Kuwait，theUAEandQatar，whichhavesmallpopulationsandhighforeignexchangereserves，cangetbyforadecade.Whatcanbeinferredfromthecontext？A)OtherGCCstateswillstarteconomicreforminthewayDubaihasdone.B)NegativeoutlookmightremainforGCCcountries?governmentfinancialcondition.C)OilpricewillhardlyriseintheforeseeablefutureD)Oilrevenueaccountsfor85%ofQatar?sgovernmentincome.[单选题]14.对结账日后()个工作日止仍未兑现的大额支票以及其他已签发一个月以上的未兑现支票，应审查其发生的原因。A)5B)10C)15D)20[单选题]15.商业银行的合规管理部门应在（）的管理下协助高级管理层有效识别和管理商业银行所面临的合规风险。A)合规负责人B)董事会C)监事会D)高级管理层[单选题]16.已知某投资项目按14％贴现率计算的净琨值大于零．接16%贴现率计算的净现值小于零，则该项目的内含报酬率肯定（）。A)大于14％，小于16％B)小于14％C)等于15％D)大于16％[单选题]17.资料：ThefollowingpassageistheintroductionaboutoneoftheMonsellinternationalfinancialproducts.Accordingtothepassage,therewillbe5questions.Youshouldreadcarefully,thenselecttherightanswer.Passage:Asateenagerbetweentheageof13and18,maybeyouwouldliketomanageyourownmoneyandhaveyourownbankaccount.ThegoodnewsisthatBankofMonsellhasjustlaunchedseveralgreatsolutionsforyou.ThefirstoneistheTeenDiscountedBankPlans（TDBPS）.TDBPSfeatureadiscountof$9.95permonthonyourmonthlybankfee-that?sasavingsofupto$120peryear.It?stheprimaryandmostcommonaccountchosenbynearly45%ofourteencustomers.Ifitisnottoyourliking,maybethefollowingalternativeswhichoffermorediscountandbenefitsonyourbankaccountsareabletomeetyourdemands.InaPlusPlan,youcanhaveupto30transactionspermonthfreeofchargeonasmanyasaccountsasyouneedontheconditionthatyourPrimaryChequingAccountmustbeyourleadaccount,theoneyoudesignatetopayanyfeesrequiredbyyourBankPlan（i.e.monthlyplanfees,transactionfees）.ItincludesPrimaryChequingandupto19moreeligibleaccounts.Youcanmake30transactionseitherinbranch,byphone,online,bymobileoratanATMofBankofMonsell.Fromthe31sttransaction,afeeof$0.7pertransactionwillbecharged.APlusPlanisabletohelpsaveyouupto$288.60ayearonfees.Besides,itenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInteracte-TransferthroughitsOnlineBanking.APlusPlanofferspreferredexchangerateonlywhenbuyingU.S.cash（upto$5,000U.S.pertransaction）.InaPerformancePlan,thenumberoftransactionsisunlimitedonasmanyasaccountsasyouneed,meaningthatyoucanmakeasmanyeverydaybankingtransactionsasyouwantfreeofchargeinbranch,onlineoratanATMofBankofMonsell.Itdoesnotincludephonebankingservices.However,afeeof$4.00amonthischargedforthisservice.ItalsoincludesPrimaryChequingandupto16moreeligibleaccounts.Ithelpsyousaveupto$456.60ayearonfees.Italsoenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInterace-TransferthroughitsOnlineBanking.What?smore,onenon-bankofMonsellATMwithdrawalontheInteracnetworkpermonthisoffered.APerformancePlanofferspreferredexchangeratewhenbuyingorsellingU.S.cash（upto$5,000U.S.pertransaction）.InaPremiumPlanyoucanalsomakeunlimitedtransactionsonasmanyaccountsasyouneedatamonthlyfeeof$15.05.ItincludesPrimaryChequingandupto15moreeligibleaccounts.Theeverydaybankingtransactionsofthisplanshouldbecontrolledfewerthan40,oryouhavetopayafeeof$0.8foreverytransactionbeyond40.Ithelpssaveupto$791.95peryearonfees.What?smore,5non-bankofMonsellATMdebittransactionsontheInteracnetworkand5internationaldebittransactionsusingnon-bankofMonsellATMspermonthisincluded.However,itdoesnothavetheabilitytosendmoneygloballytoanycountryorterritoryviaInterace-TransferthroughitsOnlineBanking.APremiumPlanofferspreferredexchangerateonlywhensellingU.S.cash（upto$5,000U.S.pertransaction）.Youcanapplyforanyoftheseaccountsbyphone,onlineorinperson.Pleasefeelfreetocallusat1-870-226-5266orwriteemailstoBankofMonsellMike@orgetonourwebsiteforanyfurtherdetailsoftheseservicesandproducts.IfyouchoosethePlusPlan,whichofthefollowingwillNOTbetrue?A)TogetherwithPrimaryChequing,youcanown20accounts.B)Ifyoumake32transaction,afeeof$1.4willbecharged.C)Youwillbeabletosaveupto$240.5amonthonfees.D)YoucansellU.S.cash（upto$5,000U.S.pertransaction）atpreferredexchangerate.[单选题]18.资料：Amanlookingforartforhisnewhomehaswona$1millionPicassopaintingwitha$138raffleticket.JeffreyGonanotoldthePittsburghTribune-Reviewhe'snotsurehe'lleverhangthemasterpieceinhishomeinWexford,inwesternPennsylvania,givenitsvalue.The25-year-oldGonano,whoworksforhisfamily'sfiresprinklerbusiness,learnedWednesdaythathistickethadwontheParisraffle.Organizerssaynearly50,000ticketsweresoldworldwide,for100eurosapiece,tobenefitaLebanesecharity.The1914work,"ManintheOperaHat,"datesfromSpanishmasterPabloPicasso'scubistperiod.Picassodiedin1973.Gonanosaidhewantstokeeptheartwork,whichfeaturesvividshapesinopaquegouachepaint."MaybeI'lllendittoamuseumandletthemputitondisplayratherthanputtingitinavault,sootherpeoplecanenjoyit,"hetoldthenewspaper."Italldepends.Idon'tknowwhatthetaxesareoranything."Gonano'sgirlfriend,GloriaSpataro,saidhelikedtheoddsinthecontestandfeltoptimistic.Nonetheless,shepresumedhewasjokingwhenhesaidhe'dwon."Hethoughttheoddswereactuallyprettygoodcomparedtosomethinglikealottery,"saidSpataro,ofPittsburgh."Hesaid,'Thiswillbemyonlychancetoactuallyownsomethinglikethis.'"Theraffleraisedabout$3.5millionfortheInternationalAssociationfortheSafeguardofTyr,aUNESCOheritagesite,saidReemChalabi,aneducationcoordinatorwiththegroup.GonanoandSpatarohadrecentlybeguntoexploreartgalleries,andshehadboughthimaphotographbyaBuddhistartistforChristmas."I'mgladIactuallygaveittohimbefore,"shesaid,"becauseifIgaveittohimafterward,thatwouldlookprettyinsignificantcomparedtoaPicasso."Whichofthefollowingwillmostprobablyhappennext?A)GonanowillbreakupwithSpatoro.B)GonanowillsellthePicassoPainting.C)GonanowillmovetoFrance.D)Gonanowillputthepaintingondisplay.[单选题]19.在中国功夫中，太极拳的特点是?动静结合、刚柔相济?，主张用?四两拨千斤?来以柔克刚，这体现了中国古老的哲学观念。可见（）。A)有些事物是运动的B)物质和运动是辩证统一的C)有些事物是相对静止的D)应该用辩证的思想把握事物运动的规律[单选题]20.OPECholdsmeetingsfrequentlysoastoregulatetheoutpof__oil.A)firstB)crudeC)originalD)primary[单选题]21.关于离岸金融市场的说法中，不正确的是（）。A)与各国国内金融市场相对独立B)交易货币一般是市场所在国发行的C)交易双方一般都是市场所在地的非居民D)基本上不受任何一国国内政策法令的管制[单选题]22.在计算机系统中，英文缩写的?I/O?字母是指（）。A)主机装置B)辅助装置C)输入输出装置D)存储器[单选题]23.某高校对一些学生进行问卷调查。在接受调查的学生中，准备参加注册会计师考试的有63人，准备参加英语六级考试的有89人，准备参加计算机考试的有47人，三种考试都准备参加的有24人，准备选择两种考试都参加的有46人，不参加其中任何一种考试的共15人。问接受调查的学生共有多少人?（）。A)120B)144C)177D)192[单选题]24.?七喜?汽水突出宣传自己不含咖啡因的特点，成为非可乐型饮料的主导者，它采取的是（）定位策略。A)市场渗透B)避强定位策略C)专业化营销D)迎头定位策略[单选题]25.()不属于反映企业在一定会计期间的经营成果的会计要素。A)资产B)收入C)费用D)利润[单选题]26.中国农业发展银行的主要任务是按照国家的法律法规，以（）为基础，筹集农业政策性信贷资金，承担国家规定的农业政策性金融业务，代理财政性支农资金的拨付，为农业和农村经济发展服务。A)国家政策B)国家信用C)国家方针D)国家信贷[单选题]27.证明实物资产是否存在的非常有说服力的证据是()。A)书面证据B)环境证据C)实物证据D)口头证据[单选题]28.资料：StarAirways,Mumbai'sdominantairlineforthepastfiveyears,hasreporteditisplanningtoreplaceitsentireaircraftfleetwithEuropean-producedSkystreamjets.Startingwithaninitialpurchaseof90jets,StarAirwaysexpectsthechangeovertotakeadecadetocomplete.Thenewplaneswillenabletheairlinetoexpanditsinternationalroutesaswellasprovidereplacementsforitsagingfleetofjetplanes.StarAirwaysandSkystream,inajointannouncementattheBrusselsAirShowonThursday,saidthattheorderincludedseventeenofthenewAWB85Oaircraft.ThiswillmakeStarAirwaysthefirstIndiancarriertoflytheAWB850,anaimithashadsincethepowerfuljetswerefirstproduced.Howlongisthechangeexpectedtotake?A)SeventeenyearsB)TenyearsC)FiveyearsD)Threeyears[单选题]29.唯物辩证法和形而上学的根本分歧在于（）。A)是否承认内部矛盾是事物发展的动力B)是否承认事物之间是相互联系的C)是否承认事物是运动变化的D)是否承认事物的发展是有规律的[单选题]30.资料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersareimplementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPollandcommissionedbytheCTIA.Thesurveywasapartofthecompany?songoingeffortstoboostusereducationonthepitfallsofmobilesecurityandassesswhethertheCTIA?sinitiativesareworking.ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforthandhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninpreviousyears.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform2012.Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erasesoftware.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upanastoundingfrom2015andfrom2012.Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.ofsmartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphoneownersin2015,accordingtoBIIntelligence.Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedbytheincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,butalsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguardthemselvesinlightofanumberofrecenthigh-profileincidentsinvolvingphonesecurity-likeApple'scaseagainsttheFBI,forexample.Becauseofthis,itwillbecomeincreasinglycommonforappdevelopersanddevicemanufacturestobuildinsecurityandend-to-endencryption.ThiscanbeseenindevicesandappssuchasWhatsAppandiPhones.Developersanddevicemanufacturersthatdon'tincludethisfeatureintheirproductscouldbefacedwithnegativeconsumerattitudes.Inwhatwayshowsthatpeoplehaveincreasedawarenessofandprotectionfortheirmobiledevices?A)Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.B)Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erasesoftware.C)MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninpreviousyears.D)Allofabove.[单选题]31.现金、银行存款日记账的保存期限为()。A)15年B)10年C)25年D)5年[单选题]32.Similarly,hetoldcouplestoseekmaritalcounseling____ifthey?rehavingtroublecommunicating.A)onthebrinkB)onthevergeC)inparticularD)aheadoftime[单选题]33.资本家支付给工人的工资其本质上是（）。A)工人的劳动的价值B)工人全部劳动的报酬C)工人劳动的价格D)工人出卖的劳动力的价值或价格[单选题]34.企业以经营租赁方式租入的生产设备，应通过（）账簿反映。A)序时B)备查C)数量金额D)分类[单选题]35.企业进行市场定位的核心内容是（）。A)设计和塑造产品特色或个性B)明确竞争对手和竞争目标C)不断降低产品的成本D)弄清消费者的需求差异[单选题]36.总供给是经济社会的总产量(或总产出)，它描述了经济社会的基本资源用于生产时司能有的产量。当经济实现充分就业时，总供给曲线具有正斜率，此时减税会使（）。A)价格水平上升，实际产出增加B)价格水平上升，实际产出不变C)名义和实际工资都上升D)实际产出增加但不影响价格水平[单选题]37.关于资产负债率评价，下列选项中表述最严谨的是（）。A)对股东而言，负债比率越高越好B)对股东而言，当全部资本利润率高于利率时，负债比率越高越好C)对债权人而言，债务人负债比率越高越好D)对债权人而言，债务人负债比率越低越好[单选题]38.储蓄存款口头或函电挂失必须在（）日之内补办正式手续，否则，挂失自动失效。A)3B)5C)7D)10[单选题]39.根据赫茨伯格的双因素理论，激励因素的缺失会导致员工（）。A)满意B)没有满意C)不满D)没有不满[单选题]40.资料：TaikongCitywasfoundedbythedormunsabout50AD.ItsnameisderivedfromaCethicworldwhichmeansthepieceoftheboldone.AftertheyinvadedBlitonin43ADtheDormonsbuiltabridgeacrosstheThemasRiver.Theylaterdecideditwasanexcellentplacetobuiltaport.Thewaterwasdeepenoughforoceangoingshipsbutitwasfarenoughinlandtobesafefromotherraiders.Around50ADDormonsmerchantsbuiltatownbythebridge.SoTaikongCitywasborn.Therewasnotastonewallaroundtheearlysettlementbuttheremayhavebeenaditchandanearthramepartwithawoodenpalisadeontop.Thenin61ADQueenBoudialedarebellionagainsttheDormuns.HerarmymarchedonTaikongCity.NoattemptwasmadetodefendTaikongCity.BoudiaburnedTaikongCitybutafterherrebellionwascrushedawasrebuilt.Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.Bytheendofthe2ndcenturystonewallwaserectedaroungTaikongCity.Thewallwas20feethigh.Outsidethewallwasaditch.Inthemiddleofthe3rdcentury20bastionswereaddedtothewalls（asemi-circulartowerprojectingfromthewall）.Whichofthefollowingstatementsistrueaccordingtothepassage?A)QueenBoudiamadegreatcontributiontoTaikongCityB)Itwasnotuntilthemiddleofthe3rdcenturythatthebastionswerebuiltonthestonewalls.C)Bytheendofthe2ndcentury.mostpeoplelivedinthewoodenhouses.D)缺[单选题]41.交通控制表示停止的灯是红灯，公共场所的安全门上是红灯，自行车、汽车的尾灯也是红灯。这些地方使用红灯的主要原因是（）。A)红光鲜艳，识别B)红光波长长，穿透能力强，远处可以看到C)红光波长短，穿透能力强，远处可以看到D)从心理上分析，红光使人易警觉、兴奋[单选题]42.农业银行的五金中，宣传语为?轻松在线，拥有无限?的是（）。A)金钥匙B)金光道C)金益农D)金e顺[单选题]43.资料：Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2.Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition,Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.Nevertheless,someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatebeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattacks（网络攻击）.AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections.Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities--suchaslendingmoney--itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessary.Accordingtoparagraph3,whatistheprobablereasonthatprivacyconcernsaboutPSD2areunnecessary？A)Thirdpartieswillhavetobuyfraudinsurance.B)Regulatorshavecomeupwithpromisingsolutions.C)Banks'defenseagainstcyberattacksisstrong.D)Thirdpartieswillcheckclients'datamonthly.[单选题]44.行政违法的主体是（）。A)行政主体B)行政主体及其公务员C)行政相对方D)行政法律关系主体[单选题]45.Fossilfuelsareandwillbestill______foratleastthenexttwo-threedecadesatrelativelylowcosts.A)productiveB)convenientC)renewableD)available[单选题]46.股票增值权模式的适用范围是（）。A)现金流量比较充裕的非上市公司和上市公司B)现金流量比较充裕且比较稳定的上市公司和现金流量比较充裕的非上市公司C)业绩稳定型的上市公司及其集团公司、子公司D)业绩稳定的上市公司及其集团公司[单选题]47.人类在进行物质资料的生产过程中最基本的要素是（）。A)劳动资料B)劳动对象C)人的劳动D)劳动工具[单选题]48.Thelocalareanetworkalsoconnectstoawideareanetworkthatallowamessage___acrossthecountryortoothercountries.A)sendB)sendingC)tobesentD)issent[单选题]49.资料：ItisSeptemberof1998,I?msittinginawindowlessofficeroominsidetheOfficeoftheIndependentCounselunderneathhummingfluorescentlights.I'mlisteningtothesoundofmyvoiceonsurreptitiouslytapedphonecallsthatasupposedfriendhadmadetheyearbefore.Forthepasteightmonths,themysteriouscontentofthesetapeshashungliketheSwordofDamoclesovermyhead.Afewdayslater,theStarReportisreleasedtoCongress,andallofthosetapesandtranscripts,thosestolenwords,formapartofit.Thatpeoplecanreadthetranscriptsishorrificenough,butafewweekslater,theaudiotapesareairedonTV,andsignificantportionsmadeavailableonline.Thepubichumiliationwasexcruciating.(1)Thiswasnotsomethingthathappenedwithregularitybackthenin1998,andbythis,Imeanthestealingofpeople'sprivatewords,actions,conversationsorphotos,andthenmakingthempublic-publicwithoutconsent,context,andcompassion.(2)Fastforward12yearsto2010,andnowsocialmediahasbeenborn.Thelandscapehassadlybecomemuchmorepopulatedwithinstanceslikemine,whetherornotsomeoneactuallymakeamistake,andnowit'sforbothpublicandprivatepeople.Theconsequencesforsomehavebecomeverydire.(3)AyoungcollegefreshmanfromRutgersUniversitynamedTylerClementi-sweet,sensitiveandcreative-wassecretlywebcammedbyhisroommatewhilebeingintimatewithanotherman.Whentheonlineworldlearnedofthisincident,theridiculeandcyberbullyingignited.Afewdayslater,TylerjumpedfromtheGeorgeWashingtonBridgetohisdeath.Hewas18.(4)Today,toomanyparentshaven'thadthechancetostepinandrescuetheirlovedones.Tyler'stragic,senselessdeathwasaturningpointforme.Itservedtorecontextualizemyexperiences,andIthenbegantolookattheworldofhumiliationandbullyingaroundmeandseesomethingdifferent.In1998,wehadnowayofknowingwherethisbravenewtechnologycalledtheInternetwouldtakeus.Sincethen,ithasconnectedpeopleinunimaginableways,joininglostsiblings,savinglives,launchingrevolutions,butthedarknessandcyberbullyingthatIexperiencedhadmushroomed.Everydayonline,people,especiallyyoungpeoplewhoarenotdevelopmentallyequippedtohandlethis,aresoabusedandhumiliatedthattheycan'timaginelivingtothenextday,andsome,tragically,don't,andthere'snothingvirtualaboutthat.Ameta-analysisdoneoutoftheNetherlandsshowedthatforthefirsttime,cyberbullyingwasleadingtosuicidalideationsmoresignificantlythanofflinebullying.Andyouknowwhatshockedme,althoughitshouldn'thave,wasotherresearchlastyearthatdeterminedhumiliationwasamoreintenselyfeltemotionthaneitherhappinessorevenanger.(5)Crueltytoothersisnothingnew,butonline,technologicallyenhancedshamingisamplified,uncontained,andpermanentlyaccessible.Theechoofembarrassmentusedtoextendonlyasfarasyourfamily,village,schoolorcommunity,butnowit'stheonlinecommunitytoo.Millionsofpeople,oftenanonymously,canstabyouwiththeirwords,andthat'salotofpain,andtherearenoperimetersaroundhowmanypeoplecanpubliclyobserveyouandputyouinapublicstockade.Thereisaverypersonalpricetopublichumiliation,andthegrowthoftheInternethasjackedupthatprice.(6)Fornearlytwodecadesnow,wehaveslowlybeensowingtheseedsofshameandpublichumiliationinourculturalsoil,bothon-andoffline.Gossipwebsites,paparazzi,realityprogramming,politics,newsoutletsandsometimeshackersalltrafficinshame.It'sledtodesensitizationandapermissiveenvironmentonlinewhichlendsitselftotrolling,invasionofprivacy,andcyberbullying.ThisshifthascreatedwhatProfessorNicolausMillscallsacultureofhumiliation.Butinthiscultureofhumiliation,thereisanotherkindofpricetagattachedtopublicshaming.Thepricedoesnotmeasurethecosttothevictim,whichTylerandtoomanyothers,notA)Theideaofcommittingsuicide.B)Theurgentperiltotheauthor?slife.C)Theharmcausedbycyberbullying.D)Thehatredtothosewhocheatedtheauthor.[单选题]50.DNS服务是指（）。A)动态域名解析B)动态分配IP地址C)互联网接入服务D)网络安全架构[单选题]51.遗传变异与物种演化是生物界中存在的普遍现象，这种现象产生的原因是（）。A)有不同的?父母?的原因B)基因的重组或突变C)不同的生物之间的融合D)现还没有确切的答案[单选题]52.中断处理时，要求保留现场的原因是（）。A)为了保证不丢失数据B)为了保证原程序完整C)为了中断结束时返回原程序执行D)中断处理时需要使用现场中的数据[单选题]53.关于培训与开发组织体系的陈述，错误的是（）。A)在设立培训与开发机构时，需要考虑组织规模和人力资源管理在组织中的地位和作用B)培训与开发机构隶属于人力资源部的优点是有利于形成协调统一的培训开发计划C)培训与开发机构作为独立部门的优点是不易受其他工作干扰，保证培训与开发的力度和连续性D)企业大学是非独立的培训与开发机构的一种扩展模式[单选题]54.存货采用先进先出法进行核算的企业，在物价持续上涨的情况下将会使企业（）。A)期末库存成本升高．当期损益增加B)期末库存成本降低．当期损益减少C)期末库存成本升高。当期损益减少D)期末库存成本降低，当期损益增加[单选题]55.供受文者使用的具有法定效力的正式文本，规格规范并具备各种生效标志的稿本，称做（）。A)草稿B)定稿C)正本D)副本[单选题]56.下列记账错误中，不能通过试算平衡检查发现的是（）。A)某一账户的借方发生额600元，误写成6000元B)某一账户的借贷方向写反C)借方的金额误记到贷方D)误记了借方的发生额[单选题]57.微观经济学的历史渊源可追溯到()。A)凯恩斯的《国富论》和阿尔弗雷德·马歇尔的《经济学原理》B)亚当·斯密的《国富论》和阿尔弗雷德·马歇尔的《经济学原理》C)亚当·斯密的《国富论》和卡恩的《经济学原理》D)亚当·斯密的《国富论》和凯恩斯的《经济学原理》[单选题]58.Herparentsinsistthatshe____alone.A)liveB)livesC)livedD)isliving[单选题]59.公文的内容必须充分体现出有关（）的基本精神。A)能收实效B)服务人民C)政策法规D)上传下达[单选题]60.不同格式的图像文件其数据编码方式有所不同，通常对应于不同的应用。在下列图像文件格式中，制作网页时用得最多的是（）。A)GIF与JPEGB)GIF与BMPC)JPEG与BMPD)GIF与TIF[单选题]61.Themusicarousedan（）feelingofhomesicknessinhim.A)intrinsicB)intentionalC)intermittentD)intense[单选题]62.下列叙述不正确的是（）。A)DNA和RNA是遗传的主要物质基础B)基因是遗传的基本结构和功能单位C)1个DNA分子具有多个基因D)基因的复制是通过DNA的复制而实现的[单选题]63.抵押贷款中，在认定抵押物时，除核对抵押物的所有权，还应验证董事会或职工代表大会同意证明的企业形式为（）。A)国有企业B)实行租赁经营责任制的企业C)集体所有制企业或股份制企业D)法人企业[单选题]64.如果政府把经济增长作为宏观调控的政策目标，通常要实行扩张性财政政策和货币政策，以刺激总需求,一般情况下，这会导致（）。A)价格水平上升或通货膨胀B)价格水平下降或通货紧缩C)通货紧缩和就业机会增加D)就业机会减少或者失业率提高[单选题]65.法律中将直接选举的范围由乡级扩大到县级的时间是（）年。A)1979B)1982C)1986D)1995[单选题]66.两千多年来，儒家思想之所以能够长盛不衰，主要是因为（）。A)中国崇尚以德治国，儒家思想受统治阶级重视B)中国是礼仪之邦，儒教思想集礼教之大成C)儒家思想本身具有兼容和发展的特性D)其他思想对儒家思想不构成威胁[单选题]67.资本市场是指证券融资和经营()年以上的中长期资金借贷的金融市场。A)1B)2C)3D)4[单选题]68.国共第一次合作时期的革命运动被称为?大革命?，主要是因为（）。A)群众基础的广泛性B)领导阶级的先进性C)革命果实的丰富性D)俄国帮助的进步性[单选题]69.真正能够反映一个国家对外贸易实际规模的指标是（）。A)对外贸易量B)对外贸易额C)对外贸易依存度D)对外贸易值[单选题]70.动态数列中数值相加有意义的是（）。A)时期数列B)时点数列C)相对数数列D)平均数数列[单选题]71.等产量线的特征包括()。A)向右下方倾斜，其斜率为正数B)在同一平面图上只有一条等产量线C)等产量线凹向原点D)等产量曲线凸向原点，向右下方倾斜，其斜率为负[单选题]72.根据商业银行资产负债管理的对称原理，如果平均流动率大于1，表明（）。A)负债经营过度B)负债经营不足C)资产运用不足D)资产运用过度[单选题]73.根据经济学家凯恩斯的消费理论，边际消费倾向和平均消费倾向的关系是（）。A)边际消费倾向总是小于平均消费倾向B)边际消费倾向总是等于平均消费倾向C)边际消费倾向总是大于平均消费倾向D)边际消费倾向和平均消费倾向的关系不稳定[单选题]74.长期股权投资的被投资单位因增资扩股而增加的所有者权益，银行应记账为（）。A)借：长期股权投资--股票投资(股权投资准备)贷：资本公积--股权投资准备B)借：资本公积--股权投资准备贷：长期股权投资--股票投资(股权投资准备)C)借：资本公积--股权投资准备贷：长期股权投资--股票投资(股权投资准备)--其他股权投资(股权投资准备)D)借：长期股权投资--股票投资(股权投资准备)--其他股权投资(股权投资准备)贷：资本公积--股权投资准备[单选题]75.在现代管理学中，管理人员对当前的实际工作是否符合计划而进行测定并促使组织目标实现的过程，被称为（）。A)领导B)组织C)创新D)控制[单选题]76.()就是取得或制造某项财产物资时所实际支付的现金或者其他等价物。A)历史成本B)公允价值C)可变现净值D)现值[单选题]77.Inmodernclinicalpractice,doctorspersonallyassesspatientsinorderto______,treat,andpreventdiseaseusingclinicaljudgment.A)remedyB)diagnoseC)infectD)judge[单选题]78.回购协议中所交易的证券主要是（）。A)银行债券B)企业债券C)政府债券D)金融债券[单选题]79.关于管理幅度与管理层次的说法，正确的是（）。A)管理幅度指的是组织结构的纵向复杂程度B)管理层次与管理幅度在数量上成正比关系C)管理层次的多少代表组织结构的横向复杂程度D)管理幅度与管理层次是相互制约的[单选题]80.根据《巴塞尔协议》，下列属于银行核心资本的是（）。A)公开储备B)资产重估储备C)储备金D)长期效率债券[单选题]81.资料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaandEuropehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,hasconsolidateditspositionastheworld?sderivativescenter,andHouston,thelargestcityinTexas,ishometoAmerica?sbiggestenergyfirmsandhasspawnedanactiveclusterofenergytradersandhedgefunds.Europehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoislandhavenssu