2024年全国银行招聘之银行招聘综合知识考试仿真模拟题附答案 (一)

全国银行招聘考试重点试题精编

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密

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一、选择题

1、通过观察持续数期的会计报表，比较各期的有关项目金额，分析有关指标的增减变动情

况，并在此基础上获知有关企业发展前景信息，这种会计报表分析方法被称为（）。

A.趋势分析法

B.比较分析法

C.因素分析法

D.比率分析法

2、（）要求企业提供的会计信息应当反映与企业财务状况、经营成果和现金流量有关的所有

重要交易或者事项。

A.相关性

B.及时性

C.重要性

D.可比性

凶密3、2008年全球金融危机爆发以来，世界主要国家央行尸始采取特殊货币政策，美国在利率

封

线水平已经接近纪录最低时，推出了一系列非常规货币政贷，包括为了支持银行贷款的长期流

动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取

了非常规货币政策。IMF于2013年5月16日发布了《非常规货币政策：最近经验与前景》

报告，报告称发达国家的非常规货币政策在很大程度上秒助实现了该国政策目标，诸如持续

两年左右的购买国债计划帮助美国和英国的GDP增速提升了约2个百分点，然而，发达国

家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新

兴市场的汇率过度升值和波动。

下列不属于货币政策目标的是（

A.物价稳定

B.国际收支逆差

C.充分就业

恬

D.经济增长

4、资料：（一）

Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouse

owner;forexample,knowsthathispropertycanbedamagedbyfire,theshipownerknowsthat

hisvesselmaybelostatsea；thebreadwinnerknowsthathemaydieatanearlyageandleave

hisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellost

atsea.Ifthesepersonseachputasmallsumofmoneyintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss,Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemoney.Thisisthebasisofinsurance,Thosewhopaythecontributionare

knownas“insured"andthosewhoadministerthepoolofcontributionsas“insurers".

Notallriskscanbecoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessand

speculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnot

ofakindthatcanbestatisticallyestimated,andriskscanonlybeinsuredagainstiftheycanbeso

estimated.

Thelegalbasisofallinsuranceisthe“policy”.Thisisaprintedformofcontract.Itstatesthatin

returnfortheregularpaymentbytheinsuredofacertainsumofmoney,calledthe“premium",

whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,if

theriskactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseems

veryold-fashioned,butthereisasoundreasonofthis.Overalargenumberofyears,manylaw

caseshavebeenbroughttcclearupthemeaningsofdoubtfulphrasesinpolicies.Thelawcourts

havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthe

phraseshavecontinuedtobeusedinpolicesevenwhentheyhavepassedoutofnormalusein

speech.

Theinsuranceofbusinesses^ordinaryrisksisnotpossiblebecause.

A.suchrisksareveryexpensive

B.suchriskscannotbeestimatedprecisely

C.suchrisksaretoohigh

D.thepremiumwouldbetoohigh

5、Passage1

Thereisawonderfulstoryaboutayounggirlwhohadnofamilyandnoonetoloveher.

Oneday,feelingverysadandlonely,shewaswalkingthroughagrasslandwhenshenoticeda

smallbutterflycaughtinathorn（荆棘）bush.Theyounggirlcarefullyreleasedthe

butterfly.lnsteadofflyingaway,thelittlebutterflychangecintoabeautifulfairy.Theyounggirl

rubbedhereyesindisbelief.

“Foryourwonderfulkindness/thegoodfairysaidtothegirl/lwillgiveyouanywishyouv/ould

like.^Thelittlegirlthoughtforamomentandthenreplied/lwanttobehappy//

Thefairyleanedtowardherandwhisperedinherear.Thenthefairydisappeared.

Asthelittlegirlgrewup,therewasnooneinthelandashappyasshe.Everyoneaskedhersecret

ofhappiness.Shewouldonlysmileandanswer/ThesecretofmyhappinessisthatIlistenedtoa

goodfairywhenIwasalittlegirt”

Whenshewasveryoldandonherdeathbed,theneighborsallgatheredaroundher,andfeared

thatherunbelievablesecretofhappinesswoulddiewithher/Tellus,please,“theybegged/Iellus

whatthegoodfairysaid/Thelovelyoldwomansimplysmiledandsaid/Shetoldmethat

everyone,nomatterhowsecuretheyseemed,nomatterhowoldoryoung,howrichorpoor,had

needofme.”

()thegirlfeltsadandlonely.

A.Thereweremanyfriendsbut

B.Therewasnobodytoloveherso

C.Therewasnothingtodo

0.Seeingthebutterflywascaught

6、年度决算是银行在每个会计年度终了，咐全年的会计资料加以归纳、整理与核实，以检

查本年度的()。

A.各项财务制度及方针政策的情况

B.银行经营情况

C.银行盈亏情况

D.银行工作进展

7、下列各项中不属于会L核算一般要求的是()。

A.各单位必须根据实际发生的经济业务事项进行会计核算。编制会计报表

B.各单位必须按照国家统•的会计制度的要求设置会计科目和账户、复式记账、填制会计

凭证、登记会计账簿、进行成本计算、财产清查和编制财务报表

C.使用电子计算机进行会计核算的，其软件及其生成的会计凭证、会计账簿、财务报告和

其他会计资辩.也必须符合国家统一的会计制度的规定

D.各单位对经济业务事项进行会计核算时必须使用人民币

8、安徒生是丹麦童话作家，他的代表作是()。

A.《拇指姑娘》

B.《灰姑娘》

C.《白雪公主》

D.《小红帽》

9、Youmusthavetheexperiencethatyourvoice()onthetelephone.

A.distorted

B.irregular

C.twisted

D.deformed

10>Mr.Backussimplyreplacedtheoriginalequationwithhisownforadreamdate,

whichincludedthepercentageofwomenlikelytofindhimattractive,andthenumberofgirls

aged24to34inLondon.

A.designation

B.measures

C.criteria

0.legislation

11、Trytomakeyourreportasaspossible:onlygiveusthefacts,andnotyouropinions.

A.subjective

B.objectionable

C.subjected

D.objective

12、“负债类〃账户的本期减少数和期末余额分别反映在()。

A.借方和借方

B.贷方和借方

C.借方和贷方

D.贷方和贷方

13、在其他条件不变的情况下，如果央行调高法定存款准备金率，那么货币系数(

A.保持不变

B.将变大

C.将变小

D.难以确定

14、资料：Everyoneknov/sairlinepricingisbasedonsupplyanddemand.Faresaremore

expensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropean

capitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandfor

Romemustbehigherorsupplylower.

What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylower

pricefortheexactsameflightifyouagreetogoontoanotherdestination.

TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlyto

RomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.

Comparethatto$903foraround-trip,economytickettoMilan(stoppinginRome)leavirgJFK

ontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflyto

Romefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflightto

Milan?

Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravel

andchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketis

segmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortest

routetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.(They

alsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourage

youtoflydirect.)

Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscar'tbe

transferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthe

freemarket,shouldn'tcustomersbeallowedtodothesamething?

What'stheauthor'sattitudetothepresentairlinepricing?

A.Neutral

B.Positive

C.Negative

D.Notmentioned

15、FTP是Internet中()。

A.发送电子邮件的软件

B.浏览网页的工具

C.用来传送文件的一种服务

D.一种聊天工具

16、资料：Upto80percentoftheworld'smiddleclasseswillliveindevelopingcountriesby2030

thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreport

publishedonThursday.

“Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedso

dramaticallyandsofast/,'concludestheUN'slatestDevelopmentReport."Theworldis

witnessinganepochal'globalrebalancing7,

Underpinningtheimprovementsinthehumandevelopmentindex(HDI)wasrapidgrowthin

countriessuchasChina,IndiaandBrazil,withChinaandIndiahavingdoubledpercapita

economicoutputinlessthan20years.Butthestudystressedthatgrowthandimprovementsin

HDIspreadfarbeyondthefourBriecountriesofBrazil,Russia,IndiaandChina,andincludedat

least40countriesthathadaccompaniedgreatereconomicdynamismwitheffective

poverty-reductionpolicies.

Afghanistan,SierraLeone,Ethiopia,RwandaandAngolawereamong14countriesthathave

recordedgainsinHDIofrrorethan2percentayearsince2000.Partlyasaresult,thereport

foundthatworldwideextremeincomepovertyhasplungedfrom43percentin1990tojust22

percentin2008,includingmorethan500mbeingliftedoutofpovertyinChinaalone.Thereport

statedthatsuchgainshadalreadyhelpedtheworldachievethemainpovertyeradicationgoalof

theso-calledMillenniumDevelopmentGoals,whichcalledfortheshareofpeoplelivingonless

than$1.25adaytobecutbyhalffrom1990to2015.

Underpinningthispovertyreductionwasdevelopingcountrieszincreasingshareofglobaltrade,

whichgrewfrom25percentto47percentbetween1980and2010./zThesouthasawholeis

drivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies/saysthe

report.

Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,

increasingfromlessthan10percentoftotalglobaltradetomorethan30percent."Trade

betweencountriesinthesouthwillovertakethatbetweendevelopednations/thereportsaid.

Theword“underpinning"inthepassagerefersto.

A.blocking

B.undergoing

C.supporting

0.stressing

17、资料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersare

implementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPolland

commissionedbytheCTIA.

Thesurveywasapartofthecompany'songoingeffortstoboostusereducationonthepitfallsof

mobilesecurityandassesswhethertheCTIA/sinitiativesareworking.

ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforth

andhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:

MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform

2012.

Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erase

software.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upan

astoundingfrom2015andfrom2012.

Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.of

smartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphone

ownersin2015,accordingtoBlIntelligence.

Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedby

theincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,but

alsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguard

themselvesinlightofanumberofrecenthigh-profileincidentsinvolvingphonesecurity-like

Apple'scaseagainsttheFBI,forexample.

Becauseofthis,itwillbecomeincreasinglycommonforappdevelopersanddevicemanufactures

tobuildinsecurityandend-to-endencryption.Thiscanbeseenindevicesandappssuchas

WhatsAppandiPhones.Developersanddevicemanufacturersthatdon'tincludethisfeaturein

theirproductscouldbefacedwithnegativeconsumerattitudes.

ItcanbeinferredthatWhatsAppandiPhones.

A.hadbuiltinsecurityandend-to-endencryption

B.includedtheCTIAfeatureintheirproducts

C.werefacedwithnegativeconsumerattitudes

D.cooperatedwithFBItoguaranteethesecurety

18、Hehasbeenstudyinghereforthreeyears,bynextsummerhe_.

A.willgraduate

B.willhavegraduated

C.willbegraduated

D.willbegraduating

19、Thesearchwasbasedonthesamecombinationofconceptsandsearchterms

andanother176publications.

A.yielded

B.offered

C.provided

0.supplied

20、Thepropertywillbeshownbyonlyinanefforttoseparatethefansfromtheserious

buyers,becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact。

A.interest

B.interview

C.application

0.appointment

21、新中国成立以后，我国政府制定了“两弹一星"的战略决策，这一战略目标的实现是在

()。

A.20世纪50―60年代

B.大跃进时期

C.20世纪60-70年代

D.“文革〃时期

22、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

23、WhilefoodwasteisahottopicintheU.S.,it'saparticularinlow-incomenetions

wherefoodissometimesascarceresourcetobeginwith。

A.increase

B.initiative

C.damage

D.challenge

24、同业拆借业务中，拆入银行拆入资金时应借记的科目是()o

A.存放同业款项

B.同业存放款项

C.同业拆入

D.存放中央银行款项

25、资料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothe

contrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthat

promotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoina

constructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonis

listening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwas

said,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlistening

wasconsistentlyseenasatwo-waydialog,ratherthanaone-way“speakerversushearer”

interaction.Thebestconversationswereactive.

Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmade

theconversationapositiveexperiencefortheotherparty,whichdoesn'thappenwhenthe

listenerispassive(or,forthatmatter,critical!)Goodlistenersmadetheotherpersonfeel

supportedandconveyedccnfidenceinthem.Goodlisteningwascharacterizedbythecreationof

asafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.

Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowed

smoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheother

made.Bycontrast,poorlistenerswereseenascompetitive——aslisteningonlytoidentifyerrors

inreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmight

makeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmay

challengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristrying

tohelp,notwantingtowinanargument

Accordingtotheparagraph,agoodlistenerwouldNOT.

A.Uselogic

B.Disagreewiththespeaker

C.Response

D.Besilent

26、下列筹资方式中属于混合筹资方式的是()。

A.认股权证筹资

B.发行可转换债券

C.吸收直接投资

D.融资租赁

27、古希腊智者学派的出现，表明人类第一次意识到自己是自身所属社会的审判者，人有资

格、有力量，也有权利重新规范自己的生活，这是原始宗教和自然统治之下人类自我意识的

第一次觉醒，是西方人文精神的起源。这种理论是()。

A.水是万物的本原

B.感觉即知识

C.人是万物的尺度

D.知识即美德

28、下列句子中语序排列最连贯的一项是()o

(1)瘟疫同人类文明史如影随形。

(2)无论是宗教式的祈祷还是对恶疾的救治，在这些作品中，我们都能看到人类面对痕疫

时所做出的顽强的抗争。

(3)欧洲的文艺复兴时期，艺术巨匠们不仅用画笔讴歌上帝天使，同时也在描绘撒旦和死

神。

(4)人类社会发展历程中，政治、经济、文化、宗教等方方面面都有它的影子。

(5)作为硬币的反面，那些与死亡相关的画作很多都是以瘟疫作为叙事背景。

A.(4)(1)(3)(5)(2)

B.(1)(4)(3)(5)(2)

C.(1)(5)(2)(4)(3)

D.(4)(3)(5)(2)(1)

29、Althoughthegreatwhitesharkhasafearsome,inastraightfight,itisoutclassedby

thekillerwhale.

A.reputation

B.imagination

C.aggression

0.acquisition

30、下列属于中国银行业监督管理委员会监管标准的有（）。

A.促进金融稳定与金融创新

B.监管成本最优

C.增进市场信心

D.增进公众对现代金融的了解

31>资料：FORTWOMARKETINGEXECUTIVES

LegendCo.isaninternationalfamouscompanyspecializedinmanufacturingfurnitureand

householdappliances.ItisheadquarteredinNewYorkandhasestablishedover30branches

aroundChina.Withtherapdgrowth,nowthecompanyneedstwomarketingexecutives.

Qualifications:

Nationality:Chinese

Education:masterdegreeinMarketing,Management,Economicsorotherrelatedmajors.

Experience:atleast3years*experienceinmarketing.

Skills:goodcommandoforalEnglish;proficientcomputerskills.

Others:obedienttoarrangementsofthecompany;frequentbusinesstripsareacceptable.

Ifyouwanttoworkinthecompanyandarequalified,pleasecallat01087654321andcontactMr.

Smith.

Whoisthemostsuitablepersonforthispost?

A.Emma,masterdegreeinEnglish,frequentbusinesstripsareacceptable

B.LiLei,masterdegreeinManagement,3years*experienceinmarketing,goodEnglishand

computerskills

CJack,bachelordegreeinManagement,goodEnglish

DJimmy,masterdegreeinMarketing,2years*experienceinmarketing,goodEnglishand

computerskills

32、Accordingtoourrecords,yourmembershipattheendofDecember.

A.willexpire

B.expiring

C.toexpire

0.expired

33、假如在某个发展中国家名义利率为8%,通货膨胀率为17%,则实际利率为（）。

A.25%

B.1.36%

C.-9%

0.9%

34、在营销环境威胁分析矩阵图中，第团象限表示（

A.环境威胁的影响程度小，但出现的概率大

B.环境威胁的影响程度大，出现的概率也大

C.环境威胁的影响程度大，但出现的概率低

D.环境威胁的影响程度小，而且出现的概率也小

35、甲乙两人相约同时从AB两地相向而行，10个小时后相遇。但实际上甲先从A地出发，

2个小时后乙才出发，乙出发60分钟后，双方之间的距离是两人走过的距离的三倍。已知

甲比乙每小时多走10公里，则AB两地之间的距离是多少公里？()

A.200

B.100

C.250

D.150

36.Itwasthetraining()Samhadatschool()madehimanexcellentrunner.

A.what;what

B.that;that

C.what;that

D.that;which

37、我国首家金融衍生品交易所是().

A.上海期货交易所

B.中国金融期货交易所

C.大连商品交易所

D.深圳证券交易所

38、It'sstandardpracticeforacompanylikethisone()asecurityofficer.

A.employed

B.beingemployed

C.toemploy

D.employs

39、根据《商业银行法》的规定，商业银行可以()。

A.从事信托投资和股票业务

B.代办保险

C.向非银行金融机构和企业投资

D.从事股票业务

40、资料：Workforceplanninghelpsanorganizationtoestimateitsfutureworkforce

requirementsandcalculatethenumbers,natureandsourcesofpotentialemployeeswhomight

meetthatdemand.

Effectiveworkforceplanninghelpscompaniesidentifyandplanhowtotackletheircurrentand

futureworkforcechallengesandpriorities.Itprovidesasoundbasisfordevelopinganeffective

workforcestrategy.

Aneasywayofthinkingaboutworkforceplanningittogettherightnumberofpeople,withthe

rightskills,intherightplace,attherighttime.Forourcompany,therightpeoplewillbethose

withrelevantskillsandcapabilitiestodrivethecompanyforwardthisyear,nextyearandfuture

years.Ourcompanythenprovidestraininganddevelopmentopportunitiesthatenablepeopleto

enhancetheirskillsetsancbuildtheircareers.Thisgivesthecompanythecontinuedbenefitof

experienced,committedandwell-trainedemployees.

Likeotherestablishedcompanies,wemayhavealargenumberoflong-standingemployeeswith

vastskillsandexperience.However,aspeopleretire,itneedstoreplacethoseskills.Careful

monitoringisessentialtoexaminetheageandskillsprofileoftheworkforcewhencompared

withpresentandfuturecompanyneeds.Thisensuresthebusinesscanmeetitsobjective.

Whyisworkforceplanningsoessential?

A.becauseitenablesthecompanytoknowitsemployeesbetter

B.becauseitmakesthecompanypreparedforthepotentialchallenges

C.becauseitgivestheemployeesachancetoreceivetraining

D.allabove

41、资黎I•:Westernbusinessvisitorsareoftendeadline-drivenandunwillingtoslowdowntothe

Chinesepacewhendiscussingbusiness.ButinChinathepacecanbefastandslow

simultaneously.

Anotherdifferentapproachtodoingbusinessisthatinabu/ingdecisionWesternerstendtolook

forclearalternatives,whileEasternersmayexaminewaystocombinebothoption.Forexample,

aChinesepanelmayfeelthatasupplierwhoclaimsofbestqualitywithalowpricemayeither

raisethepriceduringthecontractorfailtoimplementthecontract.Theywillthereforeoften

prefertochooseasupplierwhosepriceisneitherthecheapestnorthemostexpensive.In

addition,aChinesepanelmayavoidawardingeachsuppliermorethanonecontract,inorderto

minimisedependenceonasinglesupplier.SuchanapproachmaymakeaWesternerthinkthata

Chinesenegotiatorisbeingillogical,evasiveordevious,whenhebelievesheisbeingquite

straightforward.

What'smore,bothChineseandforeigncompanieswilloftenattributetheirbusinesssuccessto

havinggoodguanxi.TheobjectiveofdevelopingcloserelationshipsistobuildwhattheChinese

callguanxi(pronouncedgwanshee).whichareessentiallysocialorbusinessconnectionsbased

onmutualinterestandbenefit.Inacentralisedandbureaucraticstate,relianceonpersonal

contactsisoftenseenastheonlywaytogetthingsdone.AndinaplacelikeChinawherethe

legalsystemisstillrelativelyweak,theneedtorelyonguanxiremainsstrong.

BothChinaandforeigncompanieswilloftenattributetheirbusinesssuccesstohavinggood

guanxi.Buttheobligationsofguanxiareveryreal.Inthewrongplace,ataninappropriatetime,

withunsuitablepeople,theobligationscanbecomeatrapitishardtoescape.

Whatistheauthor'sattitudetowards//Guanxi,??

A.Unbiased

B.Slightlycritical

C.Fullysupportive

0.Paradoxical

42、某家庭2000年总收入为10万元人民币,2012年时,该家庭的总收入增加至38万元人

民币，根据恩格尔定律，与2000年相比，2012年该家庭用于食品的支出在家庭总收入中的

比重()o

A.保持不变

B.将会下降

C.将会增长

D.无从判断

43、从融资角度看，下列属于间接融资工具的是（）o

A.银行承兑汇票

B.企业债券

C.商业票据

D.公司股票

44、如果将一国货币币值的提高定义为升值，那么，对该国来说，将导致（）。

A.直接标价法汇率数值将减小，间接标价法汇率数值将减小

B.直接标价法汇率数值将减小.间接标价法汇率数值将增大

C.直接标价法汇率数值将增大，间接标价法汇率数值将减小

D.直接标价法汇率数值将增大，间接标价法汇率数值将增大

45、在我国，对于项FI型管理的企业来说，会优先采取哪一种运作模式？（）

A.事业部制

B.矩阵制

C.直线职能制

D.职能制

46、2020年4月16日电，商务部会同中央网信办、工业和信息化部联合认定了首批12家

国家数字（），这将有利于加快数字贸易发展和数字技术应用，培育贸易新业态新模式，

实现服务贸易高质量发展。

A.贸易示范区

B.经济创新发展试验区

C.服务出口基地

D.经济产业区

47、根据科曼提出的领导生命周期理论，通过领导的工作行为、领导的关系行为和下属的成

熟度建立一个三维结构的有效领导模型，其中（）具有低工作行为、低关系行为和适用

于成熟度高的下属。

A.说服型领导

B.授权型领导

C.参与型领导

D.命令型领导

48、资料：TalkaboutChristmasinJuly.CarrieRochahasalreadystartedherholidayshopping.Z/A

fewweeksbackIpickedupa$60toyfor$4,and,truthbetold,Ipickedupawholelotmorethan

that/shewroteinanemail."\spentabout$80totalandgot$350+intoys.”

Ifyouthinktheholidaysstarttooearlyasitis,youmayfindherapproachabitoverboard.But

severalyearsago,Rochaandherhusbanddugoutofdebt,payingoffsome$50,000inconsumer

debt,aprocessshedetailedinherbookandwebsitePocketYourD.Oneoftheir

strategies,shesays,wasto“stoppretendingtheholidaysdon'tcomeeveryyear/

Whetheryouwanttothinkaboutitornot,thefactistheholidayswillbeherebeforeyouknowit.

Sounlessyouhaveplentyofmoneytothrowaroundorplantoforgofestivitiesaltogether;nowis

thetimetostartplanningforadebt-freeandlessstressfulholiday.

Accordingtothepassage,whydidRochabuyquiteafewtoysinJuly?

A.Becausethetoyswereonsaleinmoststores

B.BecauseshewaspreparingthegiftsforChristmas

C.Becausetheholidayseasoniscoming

0.Becauseshelovestogiveouttoysasgifts

49、一般而言，物价水平年平均上涨率不超过2%〜3%的是（）。

A.爬行通货膨胀

B.温和通货膨胀

C.恶性通货膨胀

D.奔腾式通货膨胀

50、掠夺交易是指以强制手段为基础、一方强迫另一方的利益转移（包括其承教物的转移〉。

下列不属于掠夺交易的是（）。

A.甲有一幅非常珍贵的古名画，乙知道后千方百计想得到，就请甲的领导出面，用一幅现

代名画将乙的那幅画换到手

B.张某撰了一个杂货摊点，一天，有一人来买塑料面盆，她拿出一元钱塞给张说；“我知道

你卖三元一只，我们是邻居，就一元卖给我吧。"说完就拿走了面盆

C.小李家正搞装潢，谁知预算失误，少买了儿平米某名牌木地板，急需补上，经销商谎称

木地板涨价，必须加价，最终小李以三倍的价格买回所需地板

D.小王和小章是两位集邮爱好者，他们常常交换邮品，虽然有时用以交换的邮品价格悬殊，

但双方都非常乐意，亳无怨言

二、多选题

51、Passage4

AMtNrORING（导师制）programisgivinglifechangingopportunitiestoBanburyyouth.

YoungInspirationswasfoundedtwoyearsagotoprovidementoringsessionsforstudentsand

unemployedyoungadultsaged11to21.

AlexGoldberg,theprogram'sfounder,said「'WesetupYoungInspirationsbecausewewantedto

giveyoungpeopleexperienceswhichwillpotentiallybelifechangingandbroadentheir

outlook.Wetrytocreateworkexperienceopportunitiesthatwillreallymakeadifferencetoour

youth.Forexample,we'vesecuredinternshipswithworld-famousfirmssuchasHonda.”

“Atatimeoffundingcutbackswhereschoolsarefindingitmoreandmoredifficulttoofferthis

kindofmentoring,itisextremelyimportantthattheseopportunitiesareavailablebothtohelp

youthwiththeirschoolworkandgradesandtogivethemopportunitieswhichmayhelpshape

theirfutures/'KieranHepburn,14,isoneofagroupofBanburyyouthwhohasbenefitedfromthe

programsofar.lnOctobertheBanburySchoolpupilwasaccompaniedbyYoungInspirationsstaff

toPariswherehewasanobserverattheUnitedNationsEducational,ScientificandCultural

Organization's（UNESCO）InternationalYouthForum.

Theeventwasheldforyoungpeoplefromaroundtheworld,toseektheirviewsonhowthe

futureofyouthandeducationshouldlook.Kieranjoinedseveralhundredobserversmostlyin

their20sandwastheonlyUKschoolpupiltoattendtheevent.Kieranthinksthetripwasalife

changingexperience/BeforeweleftIdidn'tquiteknowv/hattomakeofitbutwhenwegot

therewedidn'tstopjtwasamazing/hesaid/Wewenttothreeorfourhoursofdebateseachday

andthendidsomethingculturaleachafternoon/

Themainthemeoftheforumwashowyouthcandrivechangeinpoliticalandpubliclife.ltdealt

withissuessuchasdrugabuse,violenceandunemployment.

Kieransaid/Ithasreallyhelpedmetoimprovemyconfidenceandsocialskillsaswellasmy

schoolgradesandIwasvotedmostimprovedpupilatschoclinAugust/

TheYoungInspirationsmentoringsessionstakeplaceeachFridayinBanbury.Fordetailsvisit

.

Accordingtothepassage,theforumfocusedonhowyouth