银行招聘考试综合知识(习题卷2)

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2)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.资料：From:prorno@To:kkaminski@Subject:NewflavorsDate:March8DearMr.Kaminski.Iamwritingtosharesomeexcitingnewswithyou.Fruittisomisnowlaunchinganewlineofnaturalfruitjuices.，andwewouldliketosendyousomesamplessothatyoucantrythemtoo.FreesampLesarebeingofferedonlytocustomerswhohavepurchasedFruittisomjuicesfromouronlinestorewithinthelastyear.Ifyouwishtoreceivesamplesofthenewlineofourproducts,gotoouronlinestoreandselectuptothreeproductsyouwouldliketotry.Then,insteadofmakingapayment,enterpromotionalcodeTY117563,andyourselectionswillbeshippedtoyourhomewithoutcharge.Withbestregards,AshleyHockstraWhatissuggestedaboutMr.Kaminski?A)HehasshoppedatFruittisom?sonlinestoreB)HehasbeenchargedincorrectlyforanorderC)HehasworkedforFruittisomD)Hehasreportedalatedelivery[单选题]2.不构成我国政策性金融机构资金来源的是（）。A)财政拨款B)金融债券C)开户企业存款D)社会公众存款[单选题]3.在会计核算中，资金运动的具体内容是通过在账簿中设置（）来反映的。A)账户B)会计科目C)单元D)内容[单选题]4.下列关于公司股东出资的表述，正确的是（）。A)公司成立后，股东可以根据需要抽回出资B)股东只能用货币进行出资C)无论是有限责任公司还是股份有限公司，股东均可自由转让其出资D)股东可以货币和非货币资产出资[单选题]5.Thesmogisdue（）invisiblegases，mostlyfromautomobileexhaust.A)fromB)toC)forD)with[单选题]6.避险过当负刑事责任，但应当（）处罚。A)从轻B)减轻C)免除D)减轻或者免除[单选题]7.有关消费函数和储蓄函数的表述错误的是()。A)消费等于自发消费和引致消费之和B)储蓄与消费之间的依存关系被称为储蓄函数C)消费函数和储蓄函数互为补数D)消费函数公式为C=a+βY[单选题]8.下列业务中，应该填制现金收款凭证的是（）。A)将多余现金存入银行B)从银行提取现金C)出租设备,收到一张现金支票D)报废一台电脑，出售残料收到现金[单选题]9.由于某化肥厂长期排污，该地域内两个村庄几年来多人患有罕见的严重疾病，根据《环境保护法》的规定，下列哪一选项是错误的?（）A)受害村民有权对该厂提起民事诉讼B)因环境污染引起的民事诉讼时效为3年C)环境污染民事责任的归责原则实行公平责任原则D)本案由化肥厂承担其排污行为和损害结果之间是否存在因果关系的举证责任[单选题]10.洋务运动始于（）。A)19世纪30年代B)19世纪50年代C)19世纪60年代D)19世纪90年代[单选题]11.通货膨胀对收入和财富进行再分配的影响是指（）。A)造成收入结构的变化B)使收入普遍上升C)使债权人收入上升D)使收入普遍下降[单选题]12.在金融衍生工具中，（）的风险最大。A)互换B)期权C)期货D)远期[单选题]13.Theorphanageisjustoneofher___causes.A)phoneticB)philanthropicC)prevalentD)lunatic[单选题]14.资料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the?higherup?hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，?Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear?isbetterthan?Thisstereodoesnotwork?Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Whenaconsumerfindsthatanitemsheorheboughtisfaulty，whatshouldshe/hedofirst?A)ToaskforhelpfromtheshopassistantsB)ToshowthewrittenpromisebythecompanyC)TopostitonlineD)Tocomplaintothecompany[单选题]15.银行汇票持票人未在代理付款行开户的，原持票人需要一次或分次转账支付的，应由其填制支款凭证，并交验本人身份证件。其会计分录为()。A)借：存放联行款项(联行往账)贷：应解汇款一一持票人户B)借：应解汇款一一原持票人户贷：现金C)借：应解汇款一一原持票人户贷：××科目一一××户D)借：现金贷：应解汇款一一持票人户[单选题]16.关于?政府失灵?的叙述，正确的是（）。A)政府无法掌握正确决策所需的足够信息B)?政府失灵?是由于市场经济的负外部性引起的C)政府在纠正经济不稳定方面完全无能为力D)政府干预经济在创造财富的效率方面作用较大，但无法保证社会公平[单选题]17.我国GDP在?十一五?末已跃居世界（）。A)第一B)第二C)第三D)第四[单选题]18.Hiskingdomwasstill___；theDanesfarfromsubdued.A)precariousB)preferentialC)primalD)prodigal[单选题]19.在资本主义市场上，商品出售价格的最低界限是（）。A)商品的个别价值B)商品的社会价值C)商品的生产成本D)商品的生产价格[单选题]20.银行业金融机构资不抵债，不能支付到期债务时，由（）依法宣告其破产。A)人民银行B)人民法院C)银监会D)人民政府[单选题]21.?欲穷千里目，更上一层楼?说的是（）。A)岳阳楼B)鹳雀楼C)黄鹤楼D)滕王阁[单选题]22.Hespentages______forapayincrease，onlytoresignfromhisjobsoonafterhe?dreceivedit.A)observingB)occurringC)negotiatingD)securing[单选题]23.资料：Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsareimaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,andstillothersarefrightening.Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleaboutadreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhisdreams.Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappenstohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.Peopleseeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Mostdreamsoccurincolor.Butpersonswhohavebeenblindsincebirthdonotseeatallindreams.Dreamsareaproductofthesleeper'smind.Theyincludeeventsandfeelingsthathehasexperienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesofthedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesorfears-especiallythoseheldsincechildhood-oftenappearindream.andmanydreamsfulfilsuchwishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofadream,buttheydonotcausedreams.Somedreamsinvolvedeepfeelingthatapersonmayrealizehehas.Psychiatristsoftenusematerialfromapatient?sdreamstohelpthepersonunderstandhimselfbetter.Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.Peoplewhogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousandrestless.Accordingtothepassage,dreamsresultfrom______.A)thesleeper?sownmindB)thesleeper?sfeelingC)thesleeper?simaginationD)thesleeper?swishes[单选题]24.()是衡量银行资产质量的最重要指标。A)资本利润率B)资本充足率C)不良贷款率D)资产负债率[单选题]25.商业银行根据业务需要可以在境内外设立分支机构，并应当按照规定拨付与其经营规模相适应的营运资金额。拨付各分支机构营运资金额的总和，不得超过总行资本金总额的（）。A)30％B)40％C)50％D)60％[单选题]26.在Excel提供的4类运算符中，优先级最高的是（）。A)算术运算符B)比较运算符C)文本运算符D)引用运算符[单选题]27.资料：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwithanegativeemployee.Theseworkersdon?tnecessarilyfallintothecategoryof?toxic,?butthey?rejustkindofadragwiththeircynical,pessimisticworldview.Ifyou?redealingwithanegativeemployee,hereare3stepstotake.FINDOUTWHYIfyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeenbehaviorchangesrecently.Isthenegativityaconstantorhasthebehaviorescalated?Ifthelatter,wasthereaneventthatleduptothechange?Individualsintheworkplacelivemulti-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityandmood.InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchersfoundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagersaresupportive.DISCUSSGOALSWhendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethediscussioninthecontextoftheIndividual?sgoals.?Tonepolicing?whereyousimplypointoutpessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcausemoreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditionaltraining,perhapsinmanagementorcommunicationskills,toovercomeadeficit.ADDRESSISSUESAdirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsorcircumstancesdrivingthebehavior.Ifthereareworkplaceissuethatcanbesolved,considerdoingsoifitmakesense.Iftherearepersonalissuesthathavecausedanescalationinnegativebehavior,examinewhetheraccommodationscanbemadetohelpthepersonwhilethey?regoingthroughsuchchallenges.Someemployeesdon?thavegreatinterpersonalskills,andputtingtheminjobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbeaneffectivesolution,too.Accordingtoparagraphtwo,whatcanresultintheescalatednegativebehaviorofanemployee?A)lowincomeB)FamilystressC)heavyworkloadD)Unsatisfacationattheofficeenvironment[单选题]28.服务是一方向另一方提供的基本上是（），并且不导致任何所有权的产生。A)有形产品B)无形的任何活动或利益C)物质产品D)实体产品[单选题]29.现代家庭生活离不开网络的支持，但数字生活的普及通常都是从路由器开始的。路由器在网络中的作用是（）。A)解析模拟信号为数字信号B)链接多个网络或者网段C)保护连接进入网络的设备安全，避免黑客攻击D)解析网络要求，将域名翻译为ip地址，从而获取网络访问[单选题]30.Thefast-growingChinesemarkethasbeenasourceof______opportunitiesforbusinesses。A)considerableB)consideringC)consideredD)considerate[单选题]31.下列不属于中国人民银行的主要职责的是（）。A)制定货币政策B)办理居民存款C)防范金融危机D)维护金融稳定[单选题]32.刑法规定，对于中止犯罪，没有造成损害的，（）免除处罚，造成损害的，应当减轻处罚。A)应当B)可以C)视情节轻微程度D)如果是过失的[单选题]33.资料：Italy'snextgovernment,acoalitionbetweenthepopulistFiveStarMovementandthefar-rightNorthernLeague,isgivinginvestorsplentytoworryabout.Leakedplans,hastilyabandoned,suggesteditmightwanttoleavetheeuroorasktheEuropeanCentralBanktoforgive€250bn（$292bn）ofItaliandebt.ButlessattentionhasbeenpaidtowhatitmightmeanforItalianbanks,andinparticularfortheirbiggestburden:non-performingloans（NPLs）.Over€185bnofNPLswereoutstandingattheendof2017,themostforanycountryintheEuropeanUnion.（1）BycomparisonwithGreecewhereNPLsare45%ofloans,Italylooksmanageablewithjust11.1%.Andithasmadeprogress:inlate2015NPLswere16.8%ofloans.Butanywildpolicylurcheswouldputthatprogressinquestion.Theclean-upofbanks?bookshasreliedonopennesstoforeigninvestors.HugevolumesofNPLs（€37bnin2016andover€47bnin2017,accordingtoDeloitte,aconsultancy）havebeensoldbybanks,oftentospecialistAmericanhedgefundslikeCerberusCapitalManagementorFortress.（2）Theseso-calledvulturefundsmayfindlifeharderunderthenewgovernment.Giventheimportanceofbeingabletorepossessthecollateralforsecuredloans,NPLinvestorshavebeentakenabackbyaproposaltopreventanyactionagainstadebtorwithouttheinvolvementofacourt.Thiswouldruncountertoeffortstoincreasetheuseofout-of-courtsettlementforcollateralacrosstheEU.（3）ThefutureofGACS,aschemeforprovidinganItaliangovernmentguaranteetotheseniortranchesofNPLsecuritisations（withtheEU'sblessing）,isalsoinquestion.Despiteaslowstartin2016,ithascometoplayalargerole.AnNPLsalelastyearbyUniCredit,alargebank,worth€l7.7bn,wassubjecttothescheme.Another€38bn-worhofItalianNPLdealsinprogresswillbetoo,accordingtoDebtwire,anewsservice.ButinvestorsnowworrythatGACSwillnotberenewedonceitexpires失效inSeptember,contrarytopreviousplans.（4）EuropeanregulatorshavemadeaconcertedefforttodealwithNPLs.InMarchtheEuropeanCommissionproposedlawstomakecross-borderoperationseasierfordebt（5）Marketshavedeepenedintandem.Aswellasthespecialistfundsdoinglargedeals,moreoptionsfortradingNPLshaveemerged.OneexampleisDebitos,atradingplatformthatstartedinGermanyandthatallowsinvestorstotradeinNPLsfrom11Europeancountries,includingItalyandGreece.Mostofitssalesarebetween€50mand€200mandinterestoftencomesfromlocalinvestors,saysTimurPeters,itsfounder-forexample,fromindividualswhobuyproperty-backedNPLsasawaytoacquirethoseproperties.（6）Aliquidpan-EuropeanmarketinNPLsoughttopreventbanks?badloansfromaccumulatingandthreateningtheirstability,asduringthemostrecentcrisis.ButItalywould,becauseofitssheersize,bethelargestsourceofsuchloansfortheforeseeablefuture.Andanymarketwithrealdoubtsaboutthelargestsupplierisalmostcertaintobeastuntedone.（7）Whichisincorrectaboutthechart?A)ThetotalloansofItalywereabout€1667bnintheyearof2017.B)TheproportionoftheNPLsintotalloansofGreeceisthehighestamongall.C)GreecehadmuchmoretotalloansthanthatofSpaininspiteoflowerNPLs.D)Francehadmosttotalloansinthelistofabout€4350bnin2017.[单选题]34.穿越我国领土距离最长的纬线是（）。A)北纬20°B)北纬30°C)北纬40°D)北纬50°[单选题]35.商业银行最主要的资金来源是（）。A)资本金B)中央银行借款C)发行金融债券D)存款负债[单选题]36.There'san______foodshortageandmanyfarmerswillmissthewintercroppingseason.A)enormousB)immenseC)acuteD)urgent[单选题]37.资料：HappywoodspritesknowsthewaytoFenghuangcity.HappywoodspriteswillholdabigpartyalongtheSpiritLaketonightTheSpiritLakeislocatedinNorth-eastofhereThedensityoftreebranchesandleavescouldtelldirection.Generally,thedirectionthathasMorebranchesandleavesisthesouth.Accordingtoastrology,youcoulddeterminedirection.Firstly,youshouldfindtheadleBigDipper.InthedirectionofthehandleyoucanfindPoiarisandthatdirectionisthenorth.打开信封，里面是一个请柬ArecitalofpoemsbyBarbieMariposathatretelllegendsfromthetribalcultureoftheSpiritLake.AccompanimentbyHappywoodspriteswhowillbeplayingharpnativespiritLakeinstrumentsfromhisprivatecollectionGreenspinachsaladwithvinaigrettedressingCreamofmushroomsoupGrilledsalmonwithchoiceofeitherroastedsquashorsteamedbroccoliLemonmeringuetartDinnerwillstartpromptlyatmidnightandendbeforesunriseisTreeHouseofSpiritLake.FormalDressingrequires.WhatwillHappywoodspritescontributetotheevent?A)DancesB)PoetryC)PaintingsD)Music[单选题]38.?坐地日行八万里，巡天遥看一千河?著名诗句所蕴含的哲理是（）。A)物质运动的客观性和时空的主观性的统一B)物质运动的无限性和时空的有限性的统一C)物质运动的多样性和静止的单一性的统一D)物质运动的绝对性和静止的相对性的统一[单选题]39.我国的股票市场包括主板市场和（）。A)二板市场B)中小企业板市场C)B股市场D)创业板市场[单选题]40.资料：Everyoneknowsairlinepricingisbasedonsupplyanddemand.FaresaremoreexpensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropeancapitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandforRomemustbehigherorsupplylower.What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylowerpricefortheexactsameflightifyouagreetogoontoanotherdestination.TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlytoRomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.Comparethatto$903foraround-trip,economytickettoMilan（stoppinginRome）leavingJFKontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflytoRomefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflighttoMilan?Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravelandchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketissegmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.（Theyalsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourageyoutoflydirect.）Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscan'tbetransferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthefreemarket,shouldn'tcustomersbeallowedtodothesamething?Whymaypricesfordirectflightsbehigheraccordingtothepassage?A)Becauseallpeopleprefertheshortestroutetotheirdestination.B)Becauseairlinestakeadvantageofpeople?spreferencefordirectflights.C)Becauseconnectingflightsmaycausesomeinconvenience.D)Becauseairlineschargecustomersdifferentpricesforthesameproduct.[单选题]41.现有一列数据，它们是4，4，5，3，5，5，2．这列数据的平均数、众数和全距依次是（）。A)4，4，2B)4，5，3C)5，4，4D)5，5，1[单选题]42.2011年中央财政用于?三农?的投人拟安排（）亿元，继续增加对农民的生产补贴。A)1304.8B)1314.8C)8884.5D)9884.5[单选题]43.货币当局降低再贴现率会导致()。A)货币供给增加B)货币供给减少C)货币需求增加D)货币需求减少[单选题]44.世界上最早记载太阳黑子现象的书是（）。A)《关于托勒密和哥白尼两大世界体系的对话》B)《天体运行论》C)《汉书?五行志》D)《唐书?五行志》[单选题]45.在Word中，若要将页码作为页眉/页脚编辑状态的一部分插人到文档中，应依次选择（）。A)?开始??页眉??页码?B)?插入??页眉页码?C)?引用?格式页码?D)?插入??表格页码?[单选题]46.流动资产是指可以在（）变现或耗用的资产，包括现金和各种存款、短期投资、应收及预收款项、存货。A)一年内B)一年或超过一年的一个营业周期内C)一个营业周期内D)一年或超过一年的一个营业周期以上[单选题]47.秦九韶是我国古代著名的数学家，下列属于其作品的是（）。A)《海岛算经》B)《数书九章》C)《五曹算经》D)《缉古算经》[单选题]48.引起无罪过事件发生的原因是（）。A)故意损害B)过失损害C)不可抗力或未能预见D)无意损害[单选题]49.商业银行向客户提供财务分析与规划、投资建议、个人投资产品推介等专业化的服务为（）。A)私人银行业务B)综合理财服务C)财务顾问业务D)理财计划[单选题]50.WiththeU.S.governmentamassinggrowingamountsof______everyyear，itneedsthemoneythatforeigninvestorsoffer.A)currencyB)costC)paymentD)debt[单选题]51.以纵轴代表价格、横轴代表产量绘制某种农产品的需求曲线和供给曲线。假设其他条件不变，当生产成本上升时，在坐标图上就表现为这种农产品的（）。A)供给曲线将向左移动B)需求曲线将向左移动C)需求曲线将向右移动D)供给曲线将向右移动[单选题]52.Forthousandsofyearspeoplecommunicated___littlemorethanwords,stonetablets,andsmokesignals.A)touseB)usedC)useD)using[单选题]53.下列四个不同数字表示的数中，数值最大的是（）。A)二进制数11011101B)八进制数334C)十进制数219D)十六进制数DA[单选题]54.衡量一个社会生产力发展水平的客观尺度是（）。A)生产工具B)劳动者素质C)科学技术D)管理水平[单选题]55.英国工业革命开始于（）。A)1871年B)1789年C)1775年D)1765年[单选题]56.金融自由化与金融监管的关系是（）。A)金融自由化就不应再有金融监管B)金融自由化与金融监管完全没有矛盾C)要加强金融监管，就不能有金融自由化D)金融自由化并不否认金融监管[单选题]57.（）是党执政兴国的第一要务。A)发展B)以经济建设为中心C)坚持改革开放D)处理好三农建设[单选题]58.下列关于我国的公司债说法错误的是（）。A)公司债的风险与公司本身的经营状况直接相关，风险比国债要高B)我国的公司债范围是广义上的，包括了企业债与金融债C)我国公司债的发行和交易依据《公司法》与《证券法》有关规定D)我国公司债发行和交易的监管机构为证监会[单选题]59.商业银行最主要的资金来源是（）。A)存款B)贷款利息C)投资收益D)手续费收入[单选题]60.监管人员到商业银行约见高级管理人员，要求其就业务活动和风险管理的重大事项进行说明，这种监管方式是（）。A)市场准入B)监管谈话C)非现场监管D)现场检査[单选题]61.我国公开市场业务的操作对象主要是()A)股票B)基金C)债券D)国债[单选题]62.我国刑法规定在我国领域内的犯罪是指（）。A)受害人居住地在我国领域内B)犯罪人居住在我国领域内C)犯罪行为或者结果有一项发生在我国领域内D)受害人与犯罪人均居住在我国领域内[单选题]63.马歇尔认为，需求价格是由（）决定的。A)边际成本B)边际生产力C)边际效应D)边际生产率[单选题]64.现有按年收益率10%，每年付息一次的100元债券，期限5年。根据上述材料，回答下列问题：当市场利率为11%时，债券应当（）发行。A)贴现B)溢价C)等价D)公募[单选题]65.一个国家或地区在一定时期内的国际收支情况，都被综合记录和反映在该国家或地区的（）。A)财政收支平衡表中B)信贷收支平衡表中C)财务收支平衡表中D)国际收支平衡表中[单选题]66.（），中国人民银行批准的中资商业银行法人对中资保险公司法人试办由双方协商确定利率的大额定期存款，进行了存款利率改革的初步尝试。A)1998年10月B)1999年10月C)2000年1月D)2001年9月[单选题]67.WehavelaunchedacampaigncalledTogetherScienceCan，whichbringstogetherpeoplefromabsolutelyaroundtheworldto______forthosethingsthatwecareabout。A)standbyB)standupC)standonD)standagainst[单选题]68.Therearemanyfascinatingcases_____peopleactuallydreamtaboutthingswhichlaterhappenedtothem。A)whereB)whenC)whichD)what[单选题]69.人们常说，两害相权取其轻，两利相权取其重。这个说法启示我们在处理和解决问题时要注意（）。A)整体与部分的辩证关系B)分清主流和支流C)量变与质变的辩证关系D)矛盾的同一性和斗争性[单选题]70.IknewalmosteveryoneIneededtoknownomatterwhetherthey______goodnessorbadness.A)provedB)boastedC)hidD)exhibited[单选题]71.根据我国法律规定，我国货币政策目标是（）。A)保持货币币值稳定，并以此促进经济增长B)调控货币供应，促进经济社会发展C)提高货币使用效率，改善民众生活D)加强人民币流动管理，促进人民币的国际流通[单选题]72.某县为壮族自治县，依照《宪法》该县人大常委会主任或者副主任人选应当符合下列哪一项规定?（）A)由壮族的公民担任主任B)由壮族的公民担任副主任C)主任必须由壮族的公民担任．其他民族的公民可以担任副主任D)主任和副主任中有壮族公民即可[单选题]73.Evenifyoudon?tactuallycarryoutalltheactionsyousayyouwilltake,honeststudentswillappreciateknowingthatyoucareenoughaboutacademic______totakeprecautions.A)entiretyB)integrityC)unityD)reliability[单选题]74.如果报表上有关项目的名称或金额受到限制或需要简要补充说明时，可直接采用（）。A)底注B)旁注C)底表D)侧表[单选题]75.我国商业银行的核心资本包括（）。A)实收资本、重估资本、未分配利润、长期次级债券B)实收资本、资本公积、未分配利润、各项损失准备C)实收资本、资本盈余、重估资本、未分配利润D)实收资本、资本公积、盈余公积、未分配利润[单选题]76.关于信用卡消费的特点，错误的是（）。A)循环信用额度B)一定要有资金用途C)一般有最低还款额要求D)不能用于通存通兑、代收代付、额度体现[单选题]77.2012年6月27日，中国宣布在南海地区对外开放九个海上区块，供与外国公司合作勘探开发。此外，海南省宣布将西沙群岛的四个区域划定为文化遗产保护区。这些决定联同设立三沙市构成了中国加强在南海地区维护主权的?组合行动?。中国在南海问题上的一贯主张是（）。A)使南海问题长期化B)推动南海问题国际化C)搁置争议，共同开发D)建立?南海和平自由友谊合作区?[单选题]78.在Excel电子表格中，要在单元格中强制换行，应执行的操作是（）。A)按回车键B)Alt+回车键C)Ctr1+回车键D)Shift+回车键[单选题]79.平均利润率的形成是（）。A)无数资本家追逐超额利润的结果B)同一部门资本家之间竞争的结果C)资本有机构成平均化的结果D)不同部门的资本家之间竞争的结果[单选题]80.Thepropertywillbeshownby______onlyinanefforttoseparatethefansfromtheseriousbuyers，becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact。A)interestB)interviewC)applicationD)appointment[单选题]81.企业会计核算必须符合国家的统一规定，这是为了满足（）要求。A)一贯性原则B)重要性原则C)可比性原则D)客观性原则[单选题]82.货币政策的最终目标是稳定物价、充分就业、促进经济增长和平衡国际收支。其中关于充分就业的正确说法是（）。A)社会劳动者100％就业B)所有有能力的劳动力都能随时找到任何条件的工作C)存在摩擦性失业，但不存在自愿失业D)存在摩擦性失业和自愿失业[单选题]83.关于硬盘的叙述中，下列选项错误的是（）。A)硬盘读写速度比光盘慢B)个人计算机硬盘以IDE接口和SATA接口为主C)硬盘存储容量大D)硬盘存储器系统由硬盘机、硬盘控制适配器组成[单选题]84.组织结构三要素不包括（）。A)虚拟化B)规范化C)集权化D)复杂化[单选题]85.资料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedintoreverse,accordingtoastudybyDr.HarrisCooper,professorofpsychologyattheUniversityofMissouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummervacation,they'velostonetothreemonthsworthoflearning.Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunitiestopracticereadingthanmath.Thestudyalsofoundthatincomehasanimpactonhowmuchastudentlosesorgainsinreading.Middle-classchildrenactuallygainedinreadingoverthesummer,whilelower-incomestudentsexperiencedlosses.Cooperattributesthistotheenrichmentactivitiesthatmanymiddle-classkidsparticipateinoverthesummer,suchascampandtrips.Yourkidsdon'thavetospendthesummerstuckinreverse."Parentscanhelptheirkidsretaineducationalskills,"saysCooper.Hesuggeststhefollowingfivetipstokickoffalearning-filledsummer.1.Keeplotsofbooksaroundandmakeregulartripstothelibrary.Mostlibrariesschedulespecialsummereventsforkids.Signupyourfamily!2.Thinkaboutwhatyourkidsmaybelearningnextyearwhenyouplanthefamilyvacation.Talkwithteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,trytodosomespecialplanningtofindmath-relatedactivities.Forexample,ifyoucan'tdecidewhethertosignyourchildupfor"Shakespeare'sTheater"or"MathMagic"atthelocalcommunitycenter,gowiththemath.4.Considersummerschoolortutoring.Strugglingkidscangetalotofdifferentkindsofhelpfromtheseprograms.Summerschoolcanalsoenrichandacceleratelearninginareaswherekidsshowaspecialinterest.5.Callthecurriculumcoordinatorinyourchild'sschooldistrict,visittheschoolboardoffice,orcontacttheschoolsofeducationatlocalcollegesanduniversitiestofindoutwhateducationalprogramswillbeofferedinyourareaoverthesummer.Remembertokeepitfun!Youdon'twanttosouryourkidsonlearningduringthesummerbreak.Whyisdeclineworseformaththanitisforreading？（）A)BecausethecommunityhavethelibrariesB)BecauseathometheparentswillmakekidsreadingmoreC)BecauseinsummervacationkidshavemoretimeinreadingD)Becausecommunityandhomegivekidsmoreopportunitiestoread[单选题]86.《宪法》规定，（）是中华人民共和国的根本制度。A)人民民主专政制度B)社会主义制度C)无产阶级专政制度D)有中国特色的社会主义制度[单选题]87.资料：Whenweseewell，wedonotthinkaboutoureyesveryoften.Itisonlywhenwecannotseeperfectlythatwerealizehowimportantoureyesare.Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes，Everythingelseseemsblurry（=unclear）.Manypeoplewhodoalotofwork，suchaswriting，readingandsewingbecomenear-sighted.Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefaraway，buttheyhavedifficultyinreadingabookunlesstheyholditatarm?slength.Iftheywanttodomuchreading，theymustgetglasses，too.Otherpeopledonotseeclearlybecausetheireyesarenotexactlytherightshape.Theyhavewhatiscalledastigmatism.This，too，canbecorrectedbyglasses.Somepeople?seyesbecomecloudybecauseofcataracts.Longagothesepeopleoftenbecameblind.Now，however，itispossibletooperateonthecataractsandremovethem.Havingtwogoodeyesisimportantforjudgingdistances.Eacheyeseesthingsfromaslightlydifferentangle.Toprovethistoyourself，lookatanobjectoutofoneeye；Thenlookatthesameobjectoutofyourothereye.Youwillfindtheobject?srelationtothebackgroundandotherthingsaroundithaschanged.Thedifferencebetweenthesetwodifferenteyeviewshelpsustojudgehowfarawayanobjectis.Peoplewhohaveonlyoneeyecannotjudgedistanceaspeoplewithtwoeyes.Peoplewhosufferfromastigmatismhave______.A)adifficultythatcanbecorrectedbyanoperationB)eyesthatarenotexactlytherightshapeC)aneyedifficultythatcannotbecorrectedbyglassesD)oneeyebiggerthantheother[单选题]88.在Windows的?我的电脑?窗口中，若已选定了文件或文件夹，为了设置其属性，可以打开?属性?对话框的操作是（）。A)用鼠标右键单击?文件?菜单中的?属性?命令B)用鼠标右键单击该文件，然后在弹出的快捷菜单中选中?属性?项C)用鼠标右键单击?任务栏?中的空白处，在快捷菜单中选中?属性?项D)用鼠标右键单击?查看?菜单中的?工具栏?下的?属性?图标[单选题]89.资料：EarlyExperiencesIfyou'vecommunicatedapositiveinitialimpressionandcustomersdecidetoexploreyourproduct,cantheydiscoverthefeaturesandfunctionsthathelpgetthemuptospeed?Doesyourinterfaceprovideclear,streamlinedpathsfreeofunnecessaryinstructions,distractingvisualelements,orunneededfeaturesorfunctionality?Finally,howwelldoesyourproducthelpcustomersgetthebenefitstheywant,orevenleadthemtobenefitstheywereunawareof?Testinghelpsdetermineifcustomersfindtheterminologyclearandjargon-free;whetherthepageandcontentisorganizedlogicallyfromtheirperspective;ifprocesses-suchasregistration,checkoutorupgrading-areefficientandeasytouse;andifit'sclearhowtocancelaprocessornavigatetoaspecificfunctionorlocation.MaturityOvertime,discoveringshortcutsandadvancedfunctionalitywillhelpmaturecustomersdotheirjobsmorequickly.You'llwanttotesthowtheseoptionsarecommunicatedandensurethattheyaddresstheneedsofthesecustomerswithoutimpactingtheexperienceofothercustomers.Unlessyoutestwithactualusers,yourproductteamwon'tgetatrueperspectiveaboutwhatyourproductisliketousebythepeoplewhomattermosttheusersthemselves.Thismayseemobvious,butinmanyorganizations,approximatecustomers-suchassalespeople-aresometimesusedtoreviewproducts.Afterall,theyhavealotofcustomercontact.Butsalespeopledon'thavethesamemotivationsor