银行招聘考试综合知识(习题卷7)

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7)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.?一门三父子，都是大文豪。诗赋传千古，峨眉共比高。?这首诗中的?三父子?指的是（）。A)曹操、曹丕、曹植B)苏洵、苏轼、苏辙C)班固、班超、班昭D)杜甫、杜牧、杜荀鹤[单选题]2.中国人民银行上海总部成立于2005年8月10日，其主要职责不包括（）。A)制定和执行货币政策B)发行人民币，管理人民币流通C)经理国库D)组织实施中央银行公开市场操作[单选题]3.一些地方的人们掠夺性地滥挖草原上的甘草，虽获得了一定的经济利益，却破坏了草原植被，造成土地荒漠化，一遇大风，沙尘暴铺天盖地而至，给人们带来了巨大灾难。这些人的做法违背了（）。A)事物普遍联系的观点B)事物永恒发展的观点C)量变与质变统一的观点D)必然性与偶然性统一的观点[单选题]4.依我国《民法通则》，关于委托书授权不明的民事责任，正确的选项是（）。A)由代理人向第三人承担民事责任B)被代理人应当向第三人承担责任，代理人负连带责任C)代理人应当向第三人承担民事责任，被代理人负连带责任D)由被代理人承担民事责任[单选题]5.已知工作表中C3单元格与D4单元格的值均为0，C4单元格中为公式?=C3=D4?，则C4单元格显示的内容为（）。A)C3=D4B)TRUEC)#N／AD)0[单选题]6.某交易者在纽约证券交易所拥有10000手某种股票的同时，为防止股票价格下跌的风险，他在期货市场上做空相关股票指数期货，此类交易者可称为（）。A)投机者B)套利者C)套期保值者D)跨商品套利者[单选题]7.地球的核心部分称为地核，地核中主要的元素成分是（）。A)硅B)锰和铜C)铁和镍D)碳和铝[单选题]8.企业为维持一定经营能力所必须负担的最低成本是（）。A)变动成本B)混合成本C)约束性固定成本D)酌量性固定成本[单选题]9.资料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflightsFriday,April11,2008ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNewsAmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheistaking?personalresponsibility?forthebadmaintenancethathasforcedthecarriertocancelsome3,000flightsthisweekforaircraftinspections.MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,whenAmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-basedcarrierhascanceled570flightsscheduledtoday.?Irunthecompany.?Mr.Arpeytoldreportersatanafternoonnewsconference.?soifthere?sanyblametobehad,itismyfault,andItakefullresponsibilityforthis.?Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectorsandengineersworkedtoensurethatthecarrier?sfleetof300MD-80jetswouldmeetFederalAviationAdministration（FAA）regulations.TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptionstocontinueintotheweekend,althoughanairlinespokesmansaidSaturday?scancellationsshouldbefewerthantoday?s.OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmorethan18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnessesintherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.TheFAAhassaidinrecentdaysthatitsenforcementhasn?tchangedorbecomestricter.ButSenatorKayBaileyHutchisonsaidairlineshavetoldherthey?venoticeddifference.?Thestandardisnowbeingvery,veryrigidlyenforcedandleewayisbeingtakenaway.?Ms,Hutchisonsaid.?Ican?tsayifit?sfoodorbad.ButIknowthatit?schanged.?Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.Accordingtothepassage,AmericanAirlines______.A)isgoingtohaveanewchairmanandCEOB)onlyoperatesfromDalls/FortWorthInternationalAirportC)isanairlinethathas3000MD-80airplanesD)isacompanythatisheadquarteredinFortWorth,Dallas[单选题]10.资料：IntheUnitedStatesofAmerica,banksarecategorizedintothefederally-charteredbankwhichreceivedtheircharterfromtheOfficeoftheComptrolleroftheCurrency（OCC）;thesearereferredtoas?NationalBanks?;andalsothestates-charteredbankswhichreceivetheircharterfromthesuperintendenttoas?StateBanks?.Banksareallowedtoregistereitherwiththefederalorthestateauthority.LetusnowlookattheorganizationalstructureofCommercialBanks,whichincludeunitbanking,groupbankingandbranchbanking.Themaincharacteristicofunitbankingisthatitcanoperateonlyasinglefullservicebankfromasinglelocation.Unitbankinginstitutionsarenotallowedtohavebranchnetworks.However,unitbankingdoesnotnecessarilyhavetobesmall.Infact,manyunitbanksarequitelarge.Groupbankingreferstobankingoperationsconductedbyacorporationowningmorethanonebank.Thegroupbankingsystemusuallyexistsinthestateswherebranchbankingisprohibited.Asforbranching,itissometimesreferredto?limitedbranching?or?statesidebranching?.Limitedbranchingallowsbanktooperatebrancheswithingeographicterritoriesauthorizedbythestatelaw.Statesidebranchingimpliesthatbankbranchesareallowedtooperateanywherewithinthestate.NewYorkState,California,FloridaandsomeothersarestatesidebranchbankingareaswhichMinnesota,Arkansas,lowerandothersarelimitedbranchingareas.IntheUnitedStates,therearealsospecializedbanksincludingtheEdgeActBanks,theinternationalBankingFacility,thebankers?banks,thesavingbanks,thesavingsandloansassociations,thecreditunionsandgovernmentownedandtheRealEstateInvestmentTrust（TEIT）.Therearealsonon-bankfinancialinstitutionsintheUSA,includingthesecuritiesfirms,theleasingandcommercialfinancecompanies,themortgagebankersandtheRealEstateInvestmentTrust（REIT）.LetusnowlookattheFederalSystem.CommonlyknownastheFederalReserveBankorthe?Fed?,thisistheCentralBankoftheUnitedStatesfoundedin1913.ItdeterminesthereserverequirementwithinlimitssetbytheUSCongress.ThefunctionoftheFediseconomicstabilizationthroughthemanagementofthenation?smoneysupply.TheFederalReserveSystemcomprisesaboardofgovernorswith7membersstationedinWashingtonD.CReserveBanks,includingBoston，NewYorkCity,DallasandSanFrancisco.TheFederalReserveAct（FRA）1913setoutthepowersoftheFedwhich,ontopoftheregularcentralbank?sobjectives,emphasizethefollowing.i.ManagingthemonetarysystemandmoneysupplyoftheUSA;ii.Providingfundsasthelenderoflastreport;iii.Providingforanefficientcherubclearingsystem;iiii.Providingarigorousbankingsupervisionsystem.Whichofthefollowingisnottrue?（）A)NationalBanksintheUSArefersto?StateBanks?.B)Thegroupbankingsystemusuallyexistsinthestateswherebranchbankingisprohibited.C)Statesidebranchingimpliesthatbankbranchesareallowedtooperateanywherewithinthestate.D)Limitedbranchingallowsbanktooperatebrancheswithingeographicterritoriesauthorizedbythestatelaw.[单选题]11.在四大洋中，跨经度最多的大洋是（）。A)太平洋B)北冰洋C)大西洋D)印度洋[单选题]12.我国《民法通则》规定的一般诉讼时效期间为（）。A)6个月B)1年C)2年D)3年[单选题]13.美国社会心理学家马斯洛提出人类的多种需要可以分为5个层次，被称为马斯洛需求层次理论。其中最高层次需求是（）。A)尊重的需要B)自我实现的需要C)社交的需要D)安全的需要[单选题]14.春秋战国时代，诸子百家讲政治时，大多站在民众一边，替天下百姓打算；唯一一家与其他各家不同，为君主作参谋，专替君主打算，这一家是（）。A)儒家B)法家C)道家D)墨家[单选题]15.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.Accordingtoparagraphfour,whatisNOTasolutiontothenegativity?A)Helpsolvetheworkplacedisputesforthenegativeemployee.B)Putthenegativeemployeeinasuitableworkingposition.C)Havethenegativeemployee?scolleaguestoavoidargumentswithhim/her.D)Supportthenegativeemployeetogothroughchallengsesoutsidetheoffice.[单选题]16.农村信用社的储蓄所是（）。A)法人机构B)非法人机构C)独立核算机构D)综合机构[单选题]17.资料：ZhangQiaoliuseshersparebedroomforstoringherstockofladies?fashion-wearandphotoshoots.SheisoneofmorethanfivemillionsmallonlinestoresoperatingacrossChina,somefromsmallapartmentsorevencollegedormitories.Shebuysdressesandaccessorieswholesale;atpricesunder$5,usingthewebsiteTaobao,shesellsthemonastheKittyLoveratpricesunder$10.TaobaoisownedbyChinesee-commercegiantAlibabaandthebrainchildoffounderJackMa.Itisafree-to-useonlinemarketplacewithsome800millionproductlines-fromfoodtoclothestotechnology.AcrossChina,onlinecompanieslargeandsmallarelearninghowtobeeffectivee-commerceplayers-orfaillikeUSgoliatheBay,whichwastrouncedbyupstartTaobaobackin2006.In2010,China'sonlineshoppingindustryhadaturnoverof$80bn,andgrew87%year-on-year.China's420millioninternetusersspendaroundabillionhourseachdayonline-andlastyear,185millionmadeatleastoneonlinepurchase.AccordingtoBostonConsultingGroup,thevolumeisexpectedtoincreasefourfoldby2015.E-commerceischangingthewayChineseconsumersthinkaboutshopping:online,itismoresocialthanahardsell.It'sanewengagingexperiencetosavor.InChineseretail,trustisararecommodity.Thereareplentyoffakesonline,andbuyersareoftencursedbyscamsorshoddygoods.Still,consumerfaithine-commercestoresisremarkablyrobust.That'sbecause,apartfromitsconvenienonlineshoppinghasshiftedthebalanceofpowerfromsellerstobuyers.OnlineshoppinginChinaismorethanclickingonthe"buy"button.Theexperienceincludesexchangingtipswithothershoppers,discussingtrends,andratingbothproductsandservice.Theinteractionandcommunicationgeneratestrust.?Theabilityofsocialnetworkingcombinedwithe-commerceorsocialcommerceasIliketocallit-wherepeopleareabletoratetheirproviders,provideinformationtootherpurchasers-thatlevelofexperienceisreallyovercomingthebigweaknessessaysDuncanClark,ChairmanofBDA（china）,anexpertonChina'se-commerceindustry.?Basically,thereisaone-to-oneconnectionbeingestablished.Andthat'sbreakingthroughthemistrustbarrierifyouwill.SoIthinkwecanlearn，actually-theWestcanlearnfromsomeofthedevelopmentshappeningintheChinesee-commercesector,"saysMrClark.Accordingtothearticle,howdoesZhangQiaolimakemoney?A)ShesellsdressesandaccessoriesonTaobao.B)Shebuysgoodsathigherpricesandmanagestoselllargenumberofthem.C)Shepurchasesgoodsatwholesaleandsellthemonlineathigherprices.D)Shemakesprofitsbysellingdressesandaccessoriesatretailstores[单选题]18.世界第一台电子计算机诞生于（）年。A)1945年B)1946年C)1947年D)1948年[单选题]19.某农村信用社按照年初制定的存款计划，当年存款比上年增加30%，但因当地大旱使农业生产受到严重影响，致使该信用社存款比计划少完成10%。那么，该信用社同上年相比，当年存款实际增长（）。A)10%B)17%C)20%D)40%[单选题]20.两个或两个以上机关联合行文时，必须经过的一道程序是（）。A)审核B)签发C)复核D)会签[单选题]21.存款类金融机构通过编制预算对经营活动进行控制属于（）。A)前馈控制B)反馈控制C)现场控制D)事后控制[单选题]22.甲签发票据给乙，丙从乙处窃取票据，丁明知丙是窃取而受让票据，丁又将票据赠与不知情的戊。下列说法正确的是（）。A)戊为基于善意的合法持票人，可以请求付款B)付款人可以经乙通知止付为由拒绝付款C)戊提示付款遭拒绝后可向甲追索D)戊被拒绝付款后可以向丁追索，丁清偿后可以再追索[单选题]23.下列各项中，（）不属于扩张性货币政策控制工具。A)大幅度调降法定存款准备金率B)大幅度调降央行再贴现利率C)积极从事公开市场操作D)大幅度增发国债[单选题]24.贷款呆账(损失)准备金计提范围不应该包括的项目是()。A)各项贷款B)应收利息C)贴现D)同业拆出[单选题]25.资料：Demystifyinghowsocialandhuman-likerobotsworkisvitalsothatwecanunderstandandshapehowtheywillaffectourfuture,DrHaticeGuneswilltelltheHayFestivalnextweek.(1)Fearmongeringandmyth-makingabouthuman-likeandsocialrobotsisstoppingusfromengagingwiththetechnologybehindthemandhavinganinputintohowthey-andwe-evolve,saysHaticeGunes,AssociateProfessoratUniversityofCambridge'sComputerLaboratory.(2)DrGuneswillbespeakingaboutherresearchattheHayFestivalon1stJuneandsaysweneedtomovebeyondsensationalistportrayalsofhuman-likerobot.HerHaytalkwillcentreonhumanrobotinteraction[HRI]andhowitcanbeusedforourbenefit,forinstance,forhelpingchildrenwithautismlearnhowtoreadexpressionsandtostimulatethesensesofelderlypeopleincare.(3)DrGuneswilloutlinehowHRIworks.Shesaysithastobebelievableinordertobeeffective.Thatmeansrobots?appearanceisveryimportant.Thisiswhathasdriventhedevelopmentofhumanoidrobotswitharmsandaspectsofahumanfacewhichcanbehaveinahuman-likeway,forinstance,movingtheirarms,legsandeyes.However,moreimportantthanappearanceistheirbehaviourandemotionalexpressivity.DrGunesreferstothewaywerelatetoDisney?sanimatedcharacters.?Peoplebelieveinthembecausetheycanportrayemotion,?shesays.(4)Toachieveexpressivityrequiresanunderstandingofhowhumanemotionsareportrayedandtriggered.Scientistshavebeenworkingonartificialemotionalintelligencewhichenablesnewtechnologysuchasembodiedagentsandrobotstobothexpressanddetectemotions,understandingnon-verbalcues.DrGunescitestheworkofCharlesDarwinonthevisualnatureofemotionsandhowtheycanbemappedtovariouschangesinfacialexpressions.(5)Herresearchinvestigateshowhumanoidscanbeprogrammednotonlytoextractandrespondtofacialcluestoemotions,butalsotounderstandthecontextinwhichthoseemotionsareexpressed.Thatmeanstheywillbeabletoofferaresponsethatissensitivetospecificcontexts.(6)Willrobotseverbeabletohaveemotionsthemselvesthough?DrGunessaysthereisnoreasonwhynotandquestionswhatemotionsare.Theprocessofworkingwithrobotsonartificialemotionalintelligenceunpicksthenatureofouremotions,showingthemtobealayeringofdifferentgoals,experiencesandstimuli.(7)Anotherareawhichscientistsarelookingatintheirquesttoimprovehumanoids?believabilityispersonality.DrGuneshasdonealotofworkonpersonalityintelepresencerobotics,robotscontrolledremotelybyahuman-akindof3Davatar.Thesecanbeusedinmanyways,forinstance,bymedicalstafftoofferremotehomecare.Themedicalpersoncanbebasedanywhereandoperatetherobotthroughavirtualheadset.DrGunesisinterestedinhowpeoplereacttotheteleoperator(thehumancontrollingtherobotremotely)whoispresentinrobotform.Onceagain,boththerobot?sphysicalappearanceandbehaviourareimportantandresearchshowsthattheirpersonalityneedstobetaskdependent.(8)DrGunessaysthereremainsomebigchallengesforscientistsworkingonHRI,includinghowtoprocessandcombineallthedifferentdatatheyaregathering,howtomodifytheirappearanceandbehaviourdynamically,andhowtokeeptheirpowergoing24/7.Themajorchallenges,however,aretodowithbreakingdownsomeofthemythsandfearspeoplehaveabouthumanoids.(9)Partofthisisbecausetheydon?tunderstandthebenefitshumanoidrobotscanbringandwhy,forinstance,theyneedtotakeonahumanformandunderstandemotions.Shesayshumanoidscanbepositiveintermsofincreasingtrustandengagementamongcertaingroups,suchastheelderly;thathumanstendstoanthropomorphisetechnologyinanyevent;andthatrobotscanbeprogrammedtobelimitedtopositiveemotionsthatpromotealtruism.(10)?Peopletendtoloveorhaterobots,buttheydon?treallyknowalotabouA)Withthedevelopmentofhumanrobotinteraction,robotsaenowabletocommunicatewithhumansinaneffectiveway.B)Scientistshavemanychallengesindevelopingrobots,suchashowtomodifytheirappearanceandbehavior.C)Humanemotionsenablerobotstowinthetrustfromhuman,especiallytheelderlyandchildren.D)Itisimportanttohelppeopleunderstandrobotsinordertodeveloprobotstohumanneeds.[单选题]26.已知样本回归模型残差的一阶自相关系数接近于-1，则DW统计量接近于（）。A)0B)1C)2D)4[单选题]27.我国银行风险的主要表现形式是()。A)信用风险B)声誉风险C)内控不严D)流动性风险[单选题]28.我国刑罚中最轻的主刑是（）。A)拘役B)罚金C)管制D)剥夺政治权利[单选题]29.银行的营业收入不包括()。A)利息收入B)金融机构往来收入C)投资收入D)其他营业收入[单选题]30.计算机硬件能直接识别和执行的只有（）。A)高级语言B)符号语言C)汇编语言D)机器语言[单选题]31.资料：Thisexhibitionbringstogetheroutstandingworksfromtheearliesttimestothepresentinathematicarrangementthatisfreshandunique.Withworksspanning5,000years,nosuchcross-culturalexhibitiononthisscalehaseverbeenattempted.Theexhibitionfeaturesover150ofthefinestbronzesfromAsia,AfricaandEuropeandincludesimportantdiscoveriesaswellasarchaeologicalexcavations.ManyofthepieceshaveneverbeenseenintheUK.Arrangedthematically,Bronzebringstogetheroutstandingworksfromantiquitytothepresent.DifferentsectionsfocusontheHumanFigure,Animals,Groups,Objects,Reliefs,Gods,HeadsandBusts.TheexhibitionfeaturesstunningAncientGreek,RomanandEtruscanbronzes,throughtoraresurvivalsfromtheMedievalperiod.TheRenaissanceisrepresentedbytheworksofartistssuchasGhiberti,Donatello,Cellini,andlaterGiambologna,DeVriesandothers.BronzesbyRodin,Boccioni,Picasso,JasperJohns,Moore,BeuysandBourgeoisarerepresentativeofthebestfromthe19thcenturytotoday.Bronzehasbeenemployedasanartisticmediumforoverfivemillennia.Itisanalloyconsistingmainlyofcopper,withlesseramountsoftin,zincandlead.Duetoitsinherenttoughnessandresistance,thematerial?susesoverthecenturieshavebeenremarkablyvaried.Asectionoftheexhibitionhasbeendevotedtothecomplexprocessesinvolvedinmakingbronze,enablingvisitorstoexplorehowmodelsaremade,castandfinishedbyavarietyofdifferenttechniques.Theexhibitionoffersauniqueexplorationofartisticpractice,anunderstandingofthephysicalpropertiesanddistinctivequalitiesofbronze,andtherareopportunitytoseetheverybestexamplesinoneplace.BronzehasbeenorganizedbytheRoyalAcademyofArts.TheexhibitioniscuratedbyProfessorDavidEkserdjian,oftheUniversityofLeicester?sDepartmentoftheHistoryofArtandFilm,andCeciliaTreves,ExhibitionsCuratorattheRoyalAcademyofArts,withanadvisorycommitteeofexpertsintherelevantfields.Accordingtothefirstandsecondparagraph,thecentralfeaturesoftheexhibitionis____A)themostoutstandingworksB)worksspanningover5,000yearsC)itsthemesD)importantdiscoveries[单选题]32.Whenyouwriteacheque,thebankwill______you2dollars.A)costB)spendC)saveD)charge[单选题]33.企业发生的各项费用支出，不属于期间费用项目的是（）。A)开办费用B)管理费用C)财务费用D)营业费用[单选题]34.新中国还是一个正处在?青春期的年轻小伙?。既然是?青春期?，?成长的烦恼?当然少不了。这体现出（）。A)世界上任何两个事物都存在联系B)世界上任何事物都是变化发展的C)矛盾具有普遍性D)主要矛盾决定事物的性质[单选题]35.资料：之后，经济学家Mr.U与你讨论了一些潜在的问题，请根据下列资料回答问题。KGVisstraditionalhigh-streetmusicretailer.BasedinAmsterdam,ithas12storesintheNetherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEuropeandnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthroughadifficultperiod.Overthelastthreeyears,profitshavesteadilyfallen,from450mEurosto290mEuros.Themegastores?saleshaverisenby,accountingforofthecompany?sturnover,buttheincreasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsforKGV?spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploitingtheopportunitiesofferedbysellingthroughtheInternet.WhatkindcompanyisKGV?（）A)Itismusicstudio.B)Itisanadvertisingagency.C)Itisahigh-streetmusicretailer.D)Itisaconsultingfirm.[单选题]36.马克思主义政治经济学研究的出发点是（）。A)生产力B)生产关系C)物质资料生产活动D)经济规律[单选题]37.活期存款结息问题，活期存款按季结息，按结息日挂牌活期利率计息，那么第二季度的结息日是？（）A)6月10日B)6月15日C)6月20日D)6月30日[单选题]38.中国银行获得《欧洲货币》颁发的（）奖项，彰显了中国银行在直接融资市场的卓越实力。A)中国最佳债券承销商B)中国区最佳私人银行C)中国最佳贵金属交易银行D)中国最佳现金管理银行[单选题]39.下列属于实物资产清查范围的是（）。A)库存现金B)存货C)银行存款D)应收账款[单选题]40.Group-thinkingoccurswhenpeopleareeitherisolatedfromcrucialsourcesofinformationor______byothermembersofthegroup，someofwhommayhavebadintent.A)occupiedB)presidedC)operatedD)dominated[单选题]41.某机关职员王某非法从事银行业金融机构的业务活动，其行为已触犯《刑法》，构成犯罪。那么他不可能面临（）制裁。A)拘役B)有期徒刑C)撤职D)罚金[单选题]42.资料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothecontrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthatpromotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoinaconstructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonislistening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwassaid,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlisteningwasconsistentlyseenasatwo-waydialog,ratherthanaone-way?speakerversushearer?interaction.Thebestconversationswereactive.Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmadetheconversationapositiveexperiencefortheotherparty.whichdoesn'thappenwhenthelistenerispassive（or,forthatmatter,critical!）Goodlistenersmadetheotherpersonfeelsupportedandconveyedconfidenceinthem.Goodlisteningwascharacterizedbythecreationofasafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowedsmoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheothermade.Bycontrast,poorlistenerswereseenascompetitive-aslisteningonlytoidentifyerrorsinreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmightmakeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmaychallengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristryingtohelp,notwantingtowinanargumentAccordingtotheparagraph,agoodlistenerwouldNOT____.A)UselogicB)DisagreewiththespeakerC)ResponseD)Besilent[单选题]43.资料：ForthedevelopmentofCrunchyNut（aproduct）,Kcompanyhasusedvariousmethodsofprimarydatacollection.Primarymarketdatamayinvolvequalitativeresearchorquantitativeresearch.Qualitativedataisconnectedmoreaboutopinions,feelingsandattitudes.Quantitativedataisinnumericalformandisusuallygatheredfromalargesampleofrespondents.Qualitativeresearchestablishesaconversationwithconsumers.Itpromptsconsumerreactionto,forexample,anewproductideaandhelpsresearchersunderstandwhattheythinkofit,howitmakesthemfeel,whytheyfinditinterestingornot.Qualitativeresearchmaybeobtainedthroughfocusgroups,whereamoderatorcapturesfeedbackfromagroupofsixorsevenconsumerstotheideasshowntothem.Thoseideasmaytaketheformatofdrawingsorhavingnewfoodprototypestotaste.Quantitativeresearchmayusequestionnairesadministeredtolargenumbersofrespondents.Thisallowsstatisticalanalysis.Itmayinvolvetheuseofscales,sonumbersgetassociatedwithaparticularmeaning-forexample,onanevaluationscaleof1to7,where1meansverypoorand7meansexcellent.Cruciallythosenumbersneedtobeinterpretedtoenablethebusinesstounderstandtheconsumers'overallresponse.Whatisthepassageabout?A)ThedevelopmentofCrunchyNut.B)KCompany'sproductionline.C)Qualitativedatacollection.D)Twoapproachestodatacollection.[单选题]44.Mostofthetime,weeatsoftfoods,sograduallyourjawsstopgrowingtothefull______.A)controlB)capacityC)campaignD)category[单选题]45.关于计算机应用的描述中，错误的是（）。A)模拟核爆炸是一种特殊的研究方法B)天气预报采用了巨型计算机处理数据C)经济运行模型不能用计算机模拟D)过程控制可采用低档微处理芯片[单选题]46.Itprovidesthatnostatemay?______anypersonoflife,libertyorproperty,withoutdueprocessoflaw.?A)depriveB)deriveC)dispatchD)discharge[单选题]47.资料：HowdidTencenttakeWeChatsofaraheadofitsrivals?Theanswerliespartlyinthepeculiaritiesofthelocalmarket.UnlikemostWesterners,manyChinesepossessedmultiplemobiledevices,andtheyquicklytooktoanappthatofferedthenaneasywaytointegratethemallintoasingledigitalidentity.InAmericamessagingappshadapotentcompetitorintheformofbasicmobile-phoneplans,whichbundiedinSMSmessaging.ButtextmessageswerecostlyinChina,soconsumerseagerlyadoptedfreemessagingapp.Ande-mailnevertookoffonthemainlandthewayithasaroundtheworld,mainlybecausetheinternetcamelate;thatleftanopeningformessagingapps.ButthebiggerexplanationforWechat'sriseisTencent'sabilitytoinnovate.ManyChinesegrewupusingQQ,aPC-basedmessagingplatformofferedbyTencentthatstillhasover800mregisteredusers.QQwasacopyofICQ,apioneeringIsraeliMessagingservice.ButthenChineseimitatorlearnedtothinkforitself.Spottingthecomingriseoftheinternet.Tencentchallengedseveralinternalteamstodesignanddevelopasmartphone-onlymessagingapp.TheQQinsiderscameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanotherteamofoutsiders（fromajust-acquiredfirm）cameupwithWeixin.WhenTencentlaunchedthenewapp,itmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda?redpacket?campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilytocelebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwascleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanofAndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,ofteninrandomizedamounts.Whatistheoutcomeoftheredpacketcampaign?A)Usersareincreasingtoformgroups.B)Itcausedpeopletosendmoneyinrandomamounts.C)Thegift-givingprocessbec