2024年全国银行招聘之银行招聘综合知识考试重点黑金模拟题附答案727

姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 密封线 全国银行招聘考试重点试题精编注意事项:1.全卷采用机器阅卷，请考生注意书写规范；考试时间为120分钟。2.在作答前，考生请将自己的学校、姓名、班级、准考证号涂写在试卷和答题卡规定位置。

3.部分必须使用2B铅笔填涂;非选择题部分必须使用黑色签字笔书写，字体工整，笔迹清楚。

4.请按照题号在答题卡上与题目对应的答题区域内规范作答，超出答题区域书写的答案无效:在草稿纸、试卷上答题无效。一、选择题

1、按照承担贷款风险的主体分类，贷款可分为自营贷款和（）。A.委托贷款B.担保贷款C.单一贷款D.银团贷款

2、按照《劳动合同法》的有关规定，企业进行经济性裁员时，应当优先留用的劳动者中不包括（）。A.与本单位订立无固定期限劳动合同的B.与本单位订立较长期限的固定期限劳动合同的C.因公负伤在规定的医疗期满后还不能从事原工作的D.家庭无其他就业人员，有需要扶养的老人或者未成年人的

3、下列各项中，适用超额累进税率计征个人所得税的是（）。A.对企业、事业单位的承包、承租经营所得B.财产租赁所得C.特许权使用费所得D.稿酬收入

4、资料：KeepingtheZealofaStartupasYouScaleTherearemanyreasonsthatfounder-ledcompaniesaresogoodatdisruptingindustriesandmakinglifemiserableforslow-movingincumbents.Butperhapsthemostpowerfulisthatfounderscreategreatinsurgencies.Theyignoreestablishedindustryrulesandboundaries.Theycreatebetterwaystosolveoldproblems.Theydisdainanythingthatblurstheirfocusonthefrontline.Fromtoptobottom,theyareatwaragainsttheindustryleadersonbehalfofundeservedcustomers.Ourresearchonwhatwecallthe“founder’smentality”showsthatmaintainingastronginsurgentmissioniscriticaltolong-term,sustainablegrowth.Buttocompetelongterm,insurgentcompaniesalsoneedtodevelopscaleandscope,whichveryoftendullstheirinsurgent’szeal.Inmanyways,thisisbecausetheirperspectiveonthefutureslowlychanges.Insurgentsseethedaysahead—bothlongandshortterm—asripewithopportunity.Theyembracechangeandchaos.Theyinvestinwhateverittakestoinnovatenewsolutionsforcustomers.Incumbents,ontheotherhand,veryoftenseethefutureasathreat.Asleadersinvestedheavilyinthestatusquo,innovationanddisruptionarenotgoodforthem.Turbulenceerodesprofitability;innovationmarginalizestheircurrentproductofferings.Thefutureisnotbetter.Thecompaniesthatfindawaytoachievescalewithoutlosingtheirinsurgentmissionwecallthem“ScaleInsurgents”--remainacutelyalerttothisdifferenceinperspective.Theyactivelyfightbackagainsttheverynaturaltendencytoretreatbehindthecastlewallstoavoidfuturechangeandturbulence.Instead,theydowhatinsomecompaniesmightseemlikeheresytheycommittodisruptingtheirowninsurgency.Theyknowthatacquiringthebenefitsofscalerequiresruthlessfocusonawell-definedcorebusinessandacommitmenttobuildingthesystemsandprocessestosupportit.Buttheyaren’tweddedtotheirbusinessmodel—theyareweddedtowhatwillservetheircustomersbest.Ratherthanerectingdefensesagainstthefuture,theyembracethenotionoflimitlesshorizons—theideathatacompanycanintelligentlyextendtheboundariesofitscoreeveroutward.Whatismaindifferencebetweenan“insurgent“companyandan“incumbent”company?A.AninsurgentcompanyinvestsmoreinthefuturewhileanincumbentcompanyinvestsmoreinthestatusquoB.AninsurgentcompanypreferschaostostabilityC.AninsurgentcompanyloveschallengingtheincumbentcompaniesD.Aninsurgentcompanyseeschangesasopportunitieswhileanincumbentcompanylovesstabilitymore

5、近年来，我国取得了举世瞩目的成就。下列被称作中国的：“新四大发明”的是：（）。A.蛟龙天眼墨子人工智能B.天官支付宝网购共享单车C.高铁网购移动支付共享单车D.大飞机高铁悟空移动支付

6、飞船的发射时间基本上都选择在凌晨或子夜的原因是（）。A.白天太阳光照射，容易使火箭升温B.在漆黑的夜空中，地面的光学跟踪测量设备容易捕捉跟踪目标C.白天电磁波干扰强烈D.夜晚天气变化小，有利于火箭发射

7、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.Whyisconsumerfaithine-commercestillfaithdespitetheprevalentfakegoodsonline?A.BecausetherearealotmoreoptionsonlineB.BecauseconsumersaregainingmorepowerthankstoonlineshoppingC.BecauseregulationsaboutonlineshoppingwillbeimprovedsoonD.Becausetherearestillmanyqualifiedgoodsandtrustworthyonlinestores

8、甲做生意急需用钱，并与乙约定，乙借给甲10万元，甲将收藏的一件古董交给乙，若一年后如期还钱，乙就归还古董；若一年后未如期还钱，乙就出卖古董抵债。对此，甲与乙的关系属于（）。A.抵押关系B.质押关系C.留置关系D.侵权关系

9、专案审计时，对被审计单位长期挂账的往来账户应采取（）的方法。A.发电子邮件函证B.实地调查C.咨询D.分析资料

10、Word具有查找一个特定文档的功能，这个功能包含在（）。A.文件菜单中的“打开”对话框B.文件菜单中的“另存为”对话框C.编辑菜单中的“定位”对话框D.编辑菜单中的“查找”对话框

11、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。A.坚持了联系的观点，世界上一切事物都是相互联系的B.混渚了矛盾主次方面，看不到矛盾主要方面决定事物性质C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

12、下列语句中，没有语病的一项是（）。A.自从李师傅开了修理高级手表的直播视后，短短的十分钟内，先后有一万二干人次前来观摩学习。B.减免高速公路通行费后，公路货运量较去年同期增加了1.5倍，高速通行费减少了0.8倍。C.许多消费者前来喝咖啡，并非是因为这家店的咖啡好喝，而是因为心忧患券到期不能使用。D.上午八点，随着飞机舱门缓缓打开，英雄们鱼贯而出，站立在通道两侧的数百名欢迎队伍立刻鼓掌，欢迎英雄们回家。

13、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

14、甲乙二人协商共同投资，甲从乙处取了9000元，并以两人名义进行了15000元的投资，但由于决策失误，只收回6000元。甲由于过失在己，愿意主动承担2/3的损失。问收回的投资中，乙将分得多少钱?（）A.2000元B.3000元C.4000元D.6000元

15、Shesaidshe’sgonna____themdeadwithherbestdressandmake-up.A.patB.rapC.knockD.kill

16、资料：Doyouwanttoseetheworld?ThenplantovisittheSilverPoseidonCruisesCareerFaironTuesday,November15from9a.m.to4p.m.orWednesday.November16from5p.m.to9p.m.Wearelookingforfoodservice,entertainers,andmaintenancesstafftoworkaboardourmanyvessels.FreetravelisjustthebeginningwhenyouworkforSilverPoseidonCruises.Weofferpaidtraining,greatbenefits,andopportunitiestoadvance.Applicantsshouldhaveatleastthreeyearsofrelatedworkexperienceaswellasgoodcommunicationskillsandbeabletoworknightsandholidays.SelectedapplicantswillbecalledbackforasecondinterviewbySunday,November20.Foradvanceregistration,pleasevisitourWebsiteatbySunday.November13.Formoreinformation,Pleasecall1-800-555-7962Ore-mailElenaRuizateruiz@Howareinterestedpeopleinstructedtoregister?A.Bysendingane-mailB.BygoingtotheWebsiteC.BycallingMs.RuizD.Byvisitingthecorporateoffice

17、在“资源管理器”窗口中，用户若要选定多个连续的文件或文件夹，须在鼠标单击操作之前按下（）键。A.CtrlB.ShiftC.AltD.Tab

18、当流通领域中存在两种本位币流通时，容易出现“格雷欣法则”现象，这种现象是指（）。A.良币把劣币赶出流通领域B.劣币把良币赶出流通领域C.良币与劣币在流通领域平等流通D.良币与劣币同时退出流通领域

19、ThiswellestablishedleaderinWorldwideAviationTrainingisabletogiveyouthebest______trainingthatmeetsyourtrainingneeds，yourbudgetandyourtime.A.mostB.possibleC.kindD.better

20、最集中最概括地反映社会经济活动总成果的指标是（）。A.经济增长率B.财政收入总额C.社会总供给和总需求D.出口总额

21、Uranus,________ismuchmoremassivethantheEarth,seemstohavebeentippedoversothatitliesonitsside.A.whatB.whoC.thatD.winch

22、资料：Evenasrichcountriesseektoridworkplacesofsubtlegenderbias,inmanydevelopingonesdiscriminationremainsovert.AccordingtotheWorldBank,womenarebarredfromcertainjobsin104countries.（1）“Genderequalityinlabourlawisassociatedwithmorewomenworkingandearningmorerelativetomen,”saysSarahIqbaloftheBank.Yetsomecountriespublishlistsofjobsdeemedtoodangerousforwomen（Russia’s456includedrivingatrainorsteeringaship）.Othersstopwomenfromworkinginentiresectors,atnightorin“morallyinappropriate”jobs（inKazakhstanwomencannotbleedorstuncattle,pigsorsmallruminants）.Infourcountrieswomencannotregisterabusiness.In18ahusbandcanstophiswifeworking.A（2）Theaimisoftentoprotectthe“weakersex”.Somelawsputwomeninthesamecategoryaschildren;theyconcernjobsseenasphysicallytough,suchasmining,constructionandmanufacturing.Othersrelatetobroadersafetyfears.InMumbai,forexample,femaleshopkeeperscannotworkaslateasmaleones.Otherlawsareintendedtoprotectcapacitytobearchildren.“Suchpoliciesoftenhavedemographicmotivations,especiallyincountrieswithlowbirthrates,”saysMsIqbal.（3）RestrictionsonnightworkoriginatedinEnglandduringtheIndustrialRevolution.BIn1948theInternationalLabourOrganisation（ILO）stillsoughttokeepwomenawayfromminesandindustrialnightwork.Spaindidnotliftrestrictionsonfemaleworkersinmining,electricityandsomeconstructionjobsuntil1995.Somebansonwomen’sworkstillinplaceinformercoloniesareremnantsofthe1960SpanishCivilCode,theNapoleonicCodeorCommonwealthlaws.（4）Somelawsareofsurprisinglyrecentorigin:Vietnam’sbanonwomendrivingtractorsof50horsepowerormorecameintoforcein2013.Butonbalance,thetrendistowardsliberalisation.InrecentyearsBulgaria,KiribatiandPolandhaveremovedallrestrictions;ColombiaandCongohavegotridofsome.Othercountrieshavechangedlawsinlightoftechnologicaladvancesthathavemademanyjobssaferandlessreliantonbruteforce,orhaveseencourtsoverturnbansasdiscriminatory.C（5）Labourshortagesarealsoleadingtochange.WhenmanymaleminersleftMarmato,inColombia,tofindbetterpayelsewhere,femalereplacementsweretolerated,eventhoughhiringthembrokethelaw.Similarly,whenmaletruckersineasternEuropeancountriesthatjoinedtheEuropeanUnionleftforwesternones,pressuretoletwomenreplacethemincreased.AndtheendofabanonwomenworkingnightsinthePhilippinesin2011wascheeredonbycall-centres,whichneedstaffduringdaytimeinAmericaandEurope.（6）Somesex-specificrestrictionsarecalledfor,saystheILO,particularlyinthecaseofpregnantandbreast-feedingwomen,forexamplewhenworkingwithchemicals.（SuchtemporaryandspecificprecautionsarenotcountedintheWorldBank’sstudy.）But,concludestheILO,blanketprotectiveprohibitionsare“increasinglyobsolete”.D（7）Whatdoes“blanketprotectiveprohibitionsare‘increasinglyobsolete’”meaninthelastparagraph?A.Inblanketindustry,theworkrestrictionsonwomenhavebecomeverystrictB.RestrictionsonwomeninblanketindustryhavetakenoffinsomecountriesC.Inordertoprotectwomen’srights,workrestrictionsshouldbebannedD.Workrestrictionsthatclaimtoprotectallwomenarenolongerpopular

23、下列产品中，能够计入当年GDP的是（）。A.中央政府对地方政府的转移支付B.某人花100万美元在美国买的一栋新房C.企业从国外购买的一台服务器D.某企业当年生产没有卖掉的20万元产品

24、商业银行财务管理的核心内容是（）。A.资本金管理B.利润管理C.财产管理D.成本管理

25、投资一笔国债，5年期，平价发行，票面利率为12.22%，单利计息，到期一次还本付息，则该债券的到期收益率是（）。A.9%B.11%C.10%D.12%

26、Shetoldusthatclassificationisauseful（）totheorganizationofallkindsofknowledge.A.meansB.approachC.modeD.manner

27、在国际银行监管史上有重要意义的l988年《巴塞尔协议》规定，银行的总资本充足率不能低于（），核心资本充足率不得低于（）。A.4%8%B.6%8%C.8%4%D.10%4%

28、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.TheFAAandSenatorKayBaileyHutchisonseemtodisagreeon______.A.theusefulnessoftheFAAregulationsforairlinesB.whethertheFAAstandardisbeingtakenawayC.whetherFAAisenforcingitsregulationstoostrictlyD.thetotalnumberofflightsAmericanAirlines

29、资料：ElizabethBlackwellwasborninEnglandin1821,andmovedtoNewYorkCitywhenshewastenyearsold.Onedayshedecidedthatshewantedtobecomeadoctor.Thatwasnearlyimpossibleforawomaninthemiddleofthenineteenthcentury.Afterwritingmanylettersaskingforadmission（录取）tomedicalschools,shewasfinallyacceptedbyadoctorinPhiladelphia.Shewassodeterminedthatshetaughtschoolandgavemusiclessonstogetmoneyforthecostofschooling.In1849,aftergraduationfrommedicalschool,shedecidedtofurtherhereducationinParis.Shewantedtobeasurgeon（外科医生）,butaseriouseyeproblemforcedhertogiveuptheidea.UponreturningtotheUnitedStates,shefounditdifficulttostartherownpracticebecauseshewasawoman.By1857Elizabethandhersister,alsoadoctor,alongwithanotherwomandoctor,managedtoopenanewhospital,thefirstforwomenandchildrenBesidesbeingthefirstwomanphysicianandfoundingherwonhospital,shealsosetupthefirstmedicalschoolforwomen.Whycouldn’tElizabethBlackwellrealizeherdreamofbecomingasurgeon?A.ShedecidedtofurtherhereducationinParisB.seriouseyeproblemshoppedherC.Shecouldn’tgetadmittedtomedicalschoolD.ItwasdifficultforhertostartapracticeintheUnitedStates

30、失业对社会稳定和经济健康发展都有十分严重的危害，为了对失业进行更深入地研究，经济学按失业的原因将其分为不同类型，下列不属于经济学按失业原因分类的是（）。A.摩擦性失业B.结构性失业C.放开性失业D.周期性失业

31、目前我国上海和深圳证券交易所均实行（）的交割方式完成清算交易。A.T-1B.T+0C.T+1D.T+2

32、资料：Britainisfacinga“crisisoffatherlessness”inwhichalmosthalfofallchildrenborntodaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthethinktankfoundedbyIainDuncanSmithhaswarned.AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister,arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenandboostedcognitiveskillsincludingreasoningandlanguagedevelopment.Cookclaimedtherewastoomuchofa“throwawayculture”toparenting,adding:“Overthelast40years,themeteoricriseinfamilybreakdownhasblighted（损害）thelivesofthepoorestchildrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,howwelltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsasadults.”Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedthatacultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceofparentingoncecoupleshadseparated.“Weneedasocietalshiftinperspectivefromregardingfathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild’slife.”hesaid.Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotentialimpactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.Histhinktank’sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenotlivingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educationalfailure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthemosttalentedchildrenfrompoorerfamilies.TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM'spovertyadviser,saidthehopeofthepreviousstrategywasto“startaparentingrevolution——fortoolongpoliticianslookedawayasfamilyinstabilityandpoorchilddevelopmentblightedlivesinthepoorestneighbourhoods”.“Parentswantwhat'sbestfortheirchildren,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwewanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthyrelationships”.Cookimpliesthatthekeytothefightagainstpovertyis______.A.preferentialpoliciesforthepoorerchildrenB.morecomprehensiveresearchintoitscausesC.headteachersgoodatinspiringtalentedchildrenD.solutionstotheconflictintheeducationsector

33、银行的活期存款人通知银行在其存款额度内无条件支付一定金额给持票人的书面凭证是（）。A.支票B.汇票C.本票D.存单

34、下列属于短期资金市场的是（）。A.票据市场B.债券市场C.资本市场D.股票市场

35、孙某丈夫外出做买卖5年未归，也没有任何音讯，孙某欲改嫁，下面说法正确的是（）。A.孙某丈夫视为死亡.孙某可以直接改嫁B.孙某丈夫不论是生还是死。孙某均可以改嫁C.孙某丈夫经人民法院宣告失踪后.孙某可以改嫁D.孙某丈夫经人民法院宣告死亡后。孙某可以改嫁

36、资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho’dbeenpushinganendangeredlistingsaidtheproposalwasa“turningpoint”theyhopewillleadtogreaterturtleprotections.“Ithinkit’shugedayforloggerheadseaturtles,”saidBethRiff,amarinewildlifescientistatOceana.“itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.”Withallthatattentiontopaidtothem,you’dthinkthesecreatureswouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsoffairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledbyfishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesinFloridaoverthelastdecadeasevidenceoftrouble.Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehardshellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakeafrenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.BarbaraSchoder，nationalseaturtlecoordinatorforNOAA’sfisheriesdivision,saidthebiggestthreatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainlyinJapan，aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSanFrancisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlonglinefishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,themainthreattoturtlesisgearfromtheregion’svariousfishenesSchodersaid.Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthespecies,Riffsaid.Butthegovernmentwouldalsohavetodetermine“criticalhabitats，”suchaswheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfortheturtles,includingrestrictionsonmaritimedevelopmentorfishing.Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobalwarmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhichtheturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherbythreatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesaswell,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leavingourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.Itcanbelearnedfromthefirstparagraphthat（）.A.humanactivitieshavechangedthewayturtlessurviveB.EffortshavebeenmadetoprotectturtlesfromextinctionC.Marinebiologistsarelookingforthesecretofturtles’reproductionD.Governmentbureaucracyhascontributedtodecreasingnumberofturtles

37、生命的物质基础是（）。A.蛋白质、甘酸、糖类、碱基、水和无机盐等B.蛋白质、核酸、糖类、碱基、水和无机盐等C.蛋白质、核酸、糖类、脂类、水和无机盐等D.蛋白质、甘酸、糖类、脂类、水和无机盐等

38、狭义的国际金融市场是指（）。A.外汇市场B.国际资金市场C.国际保险市场D.国际黄金市场

39、研究者通过对300名小学生长达20年的观察，发现被夸聪明的孩子更容易半途而废、自信心不足和胆小怕事。后来，研究者在重复实验中加入了社会不同阶层的被试者，都发现了相同的结果。因此，研究者认为经常被表扬会带来许多负面效应。以下哪项如果为真，最能支持上述研究结论？（）A.表扬不一定都能起到积极效果，效果会因表扬的具体内容不同而不同B.另一项关于表扬的调查研究显示，被表扬的女性变得更胆小怕事C.另一项关于表扬的调查研究显示，积极表扬的被试组和无表扬的被试组在学习成绩的差异并不显著D.另一项关于表扬的调查研究显示，表扬对智商较高的男性影响最大，他们中的大部分在“失败反应”的测试中都崩溃了

40、小明认为：由于今年气温比去年同期要高，因此今年的蚊虫要比去年更多。从中可以推知，小明潜意识里认为（）。A.高温天气有利于蚊虫繁殖B.今年的蚊虫格外多C.去年的蚊虫并不多D.高温天气容易导致食物腐烂

41、Passage4AlexTaw,a21yearoldstudentfromWiltshire,England.Hespentlastsummerlikeanyotherhighschoolgraduate—hangingoutwithfriends,preparingforcollege,worryingabouthisuniversityfees.Whilemostofhispeersgaveupontheirpipedreams,hesatdownwithanotebookathome,andjotteddownthequestion:HowcanIbecomeamillionaire?TheresultwastheMillionDollarH.Alex’sinitialinvestmentwas50poundstobuywebspaceandadomainname.Hedividedtheblankhomepageintoonemillionpixels,10,000blocksof100pixelseach.Eachpixelwasworth$1withminimumpurchase100pixels.WithinamonthAlexhadearnedsome$37,000,enoughforhimtocovertheentirecostofhisforthcomingthreeyearsatuniversity.Injustafewmonths,hebecamearealmillionaire.HowdidhecomeupwiththeideaoftheMillionDollarHomepage?“Well,IwastryingtothinkofawaytomakesomemoneybeforeIstarteduniversity,asIwasabouttotakeonahugedebtandIwasalreadyoverdrawn.Swiftactionwasnecessary!”Hesaid.Healsoadded,“Theimportantthingisthatanythingispossible—weareonlylimitedbyourimagination.Ialwayshadthisbeliefthatagoodideacanbesuccessfulonitsown.IthinkI’velearnedthatifwethinkdeepertherearemagicalsolutionshidingawayforustofind.”Hispersonalphilosophyaroundmoneyis:Moneyisnoteverything,butit’sanessentialpartofthewaywelive.Havingsomeremovesacertainamountofstress,but,unlesswearecareful,itcancreateanewtypeofstress.Healsosaid,“Istillwanttogotouniversity.Asidefromgainingknowledgeaboutbusiness,thereareotherreasons—exploringyourinterests,meetingnewpeople,andbeinginacreativeenvironment.”Besidesmakingcontributionstosociety,hewouldtrytoencourageandinspirepeopletothinkofcreativesolutionstoproblems,whatevertheyare.Accordingtothepassage,whichofthefollowingisNOTanimportantfactorforbeingamillionaire?（）A.LargeimaginationB.QuickactionC.GreatambitionD.Greatinvestment

42、Nosingleindividualcan____handlethiskindofresponsibilitiesalone.A.efficientlyB.adequatelyC.necessarilyD.appropriately

43、JustlastmonthItriedtowriteherapoem______“AmidstanAngel.”Butnotwowordswouldrhyme.A.assignedB.entitledC.deprivedD.granted

44、Passage2Globalwarmingiscausingmorethan300,000deathsandabout$125billionineconomiclosseseachyear,accordingtoareportbytheGlobalHumanitarianForum,anorganizationledbyAnnan,theformerUnitedNationssecretarygeneral.Thereport,tobereleasedFriday,analyzeddataandexistingstudiesofhealth,disaster,populationandeconomictrends.Itfoundthathuman-influencedclimatechangewasraisingtheglobaldeathratesfromillnessesincludingmalnutritionandheat-relatedhealthproblems.Butevenbeforeitsrelease,thereportdrewcriticismfromsomeexpertsonclimateandrisk,whoquestioneditsmethodsandconclusions.Alongwiththedeaths,thereportsaidthatthelivesof325millionpeople,primarilyinpoorcountries,werebeingseriouslyaffectedbyclimatechange.Itprojectedthatthenumberwoulddoubleby2030.RogerPielkeJr.,apoliticalscientistattheUniversityofColorado,Boulder,whostudiesdisastertrends,saidtheForum'sreportwas"ametho