2024年全国银行招聘之银行招聘综合知识考试高频题（附答案）- 招聘面试技巧与要点

全国银行招聘考试重点试题精编

!注意事项：

；11.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。

5:2.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

〜i题卡规定位置。

3.部分必须使用2B铅笠填涂；非选择题部分必须使用黑色签字笆书写，字体

工整，笔迹清楚。

14.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

j书写的答案无效：在草稿纸、试卷上答题无效。

密

封一、选择题

窣

11、企业接受的现金捐赠，应计入（）o

：A.营业外收入

B.盈余公积

••1C.资本公积

处：D.未分配利润

瑕：

2、下列属于产品成本的是（）。

5A.厂房管理人员工资

B.车间人员工资

!C.董事会人员工资

D.专设销售部门人员工资

3、Passage7

Ifyou'veeverstartedasentencewith,"IfIwereyou...."orfoundyourselfscratchingyourheadat

acolleague'sagonyoveradecisionwhentheansweriscrystal-cleacthere'sascientificreason

behindit.Ourowndecision-makingabilitiescanbecomedepletedoverthecourseoftheday

causingindecisionorpoorchoices,butchoosingonbehalfofsomeoneelseisanenjoyabletask

thatdoesn'tsufferthesamepitfalls.

凶密

封Theproblemis"decisionfatigue,"apsychologicalphenomenonthattakesatollonthequalityof

线yourchoicesafteralongdayofdecisionmaking,saysEvanPolman,aleadingpsychologist.

Physicianswhohavebeenonthejobforseveralhours,forexample,aremorelikelytoprescribe

antibioticstopatientswhenit'sunwisetodoso."Presumablyit'sbecauseit'ssimpleandeasyto

writeaprescriptionandconsiderapatientcaseclosedratherthaninvestigatefurther,"Pclman

says.

Butdecisionfatiguegoesawaywhenyouaremakingthedecisionforsomeoneelse.Whenpeople

imaginethemselvesasadvisersandimaginetheirownchoicesasbelongingtosomeone

elseztheyfeellesstiredandrelylessondecisionshortcutstomakethosechoices."Bytakingupon

theroleofadviserratherthandecisionmaker,onedoesnotsuffertheconsequencesofdecision

fatigue,"hesays.'lt'sasifthere'ssomethingfunandlibe-atingaboutmakingsomeoneelse's

恬

choice."

Gettinginputfromothersnotonlyoffersafreshperspectiveandthoughtprocess;itoftenalso

includesriskierchoices.Whilethissoundsundesirablejtcanbequitegood,saysPolman."When

peopleexperiencedecisionfatigue-whentheyaretiredofmakingchoices-theyhaveatendency

tochoosetogowiththestatusquo（现状）,"hesays,"Butthestatusquocanbeproblematic,since

achangeinthecourseofactioncansometimesbeimportantandleadtoapositiveoutcome."

Inordertoachieveasuccessfuloutcomeorreward,somelevelofriskisalmostaways

essential."Peoplewhoaresusceptibletodecisionfatiguewilllikelychoosetodonothingover

something,"hesays,"That'snottosaythatriskisalwaysgood,butitisrelatedtotaking

action9whereasdecisionfatigueassuredlyleadstoinactionandthepossiblechagrin（懊恼）ofa

decisionmakerwhomightotherwisepreferanewcoursebutisunfortunatelyhindered."

Justbecauseyoucanmakegoodchoicesforothersdoesn'tmeanyou'lldothesamefor

yourseltPolmancautions."Researchhasfoundthatwomennegotiatehighersalariesforothers

thantheydoforthemselves/'hesays,addingthatpeopleslipinandoutofdecisionroles.

Whendopeoplefeellessdecisionfatigue（）

A.Whentheytakedecisionshortcuts

B.Whentheyhelpotherstomakedecisions

C.Whentheyhavemajordecisionstomake

D.Whentheyhaveadviserstoturnto

4、科学发展观的基本要求是（）。

A.发展

B.以人为本

C.全面协调可持续

D.统筹兼顾

5、2018年3月11日，十三届全国人大一次会议表决通过了《中华人民共和国宪法修正案》。

关于本次《宪法修正案》下列说法错误的是（）

A.我国现行《宪法》是"八二宪法〃，目前经历了5次修改

B.社会主义民族关系的表述中增加了“和谐〃

C.《宪法修正案》规定监察委员会委员长由全国人大选举产生

D.《宪法修正案》规定县级市有权制定地方性法规

6、在完全竞争市场条件下，处于长期均衡状态下的厂商将选择平均成本最小化所对应的生

产规模，这是因为（）。

A.厂商自由进入将导致该行业中的厂商，不论其生产规模为多大，长期利润均为零

B.厂商追求利润最大化，为获得最大利润，厂商需要选择最小平均成本所对应的生产规模

C.厂商追求利润最大化和厂商的自由进入导致最大利润为零

D.行业中的厂商试图最有效的生产

7、企业提供的会计信息应当能够反映其财务状况、经苣成果和现金流量，以满足会计信息

使用者的需要，属于（）的运用。

A.相关性原则

B.可比性原则

C.实质重于形式原则

D.客观性原则

8、某法国游旅团一行61人来北京旅游，随意游览故宫、颐和园、王府井、长城四地中的若

干个地方，那么至少有()人浏览的地方完全相同。

A.3

B.4

C.5

D.6

9、"实收资本"属于()类科目。

A.资产

B.所有者权益

C.损益

D.共同

10、Passage5

Arapidmeansoflong-distancetransportationbecameanecessityfortheUnitedStatesas

settlementspreadeverfartherwestward.Theearlytrainswereimpracticalcuriosities,andfora

longtimetherailroadcompaniesmetwithtroublesomemechanicalproblems.Themostserious

onesweretheconstructionofrailsabletobeartheload,andthedevelopmentofasafe,effective

stoppingsystem.Oncetheseweresolved,therailroadwasestablishedasthebestmeansofland

transportation.By1860therewerethousandsofmilesofrailroadscrossingtheeasternmountain

rangesandreachingwestwardtotheMississippi.Therewerealsoregionalsouthernandwestern

lines.

Thehighpointinrailroadbuildingcamewiththeconstructionofthefirsttranscontinental

system.In1862CongressauthorizedtwowesternrailroadcompaniestobuildlinesfromNebraska

westwardandfromCaliforniaeastwardtoameetingpoint,soastocompleteatranscontinental

crossinglinkingtheAtlanticseaboardwiththePacific.TheGovernmenthelpedtherailroads

generouslywithmoneyandland.Actualworkonthisprojectbeganfouryearslater.TheCentral

PacificCompany,startingfromCalifornia,usedChineselabor,whiletheUnionPacificempoyed

crewsofIrishlaborers.Thetwogroupsworkedatremarkablespeed,eachtryingtocoveragreater

distancethantheother.ln1869theymetataplacecalledPromontoryinwhatisnowthestateof

Utah.Manyvisitorscamethereforthegreatoccasion.Therewerejoyouscelebrationsalloverthe

country,withparadesandtheringingofchurchbellstohonorthegreatachievement.Therailroad

wasveryimportantinencouragingwestwardmovement.ltalsohelpedbuildupindustryand

farmingbymovingrawmaterialsandbydistributingproductsrapidlytodistantmarkets.Inlinking

townsandpeopletooneanotherithelpedunifytheUnitedStates.

Theconstructionofthetranscontinentalrailroadtook().

A.9years

B.7years

C.4years

D.3years

11、新农合”是指（）。

A.新型农村合作社

B.新型农村合作保险

C.新型农村合作医疗

D.新型农村合作教育

12、资料：Asastartupfounder;mydailytasksincludeeverythingfromlong-termstrategic

planningtoapprovingteamoutingsandcompanycultureinitiatives.Dayafterday,things

inevitablycomeupthatneedtogethandledASAP.ButI'vealsolearnedthatifyoudon'thavea

strategyformakingtimeforthosebiggerambitionsandyourtrulyloftygoals,theyllsimply

nevergetdone.Andthatmeansyouwon'tmaketheprogressthat'sreallygoingtomoveyour

businessforward.

1.FINDYOURMOSTPRODUCTIVETIME

Faceit:Youaren'tcrankingoutworkatabsolutepeakproductivityfortheentireday.Instead,

therearelikelycertaintimeswhenyou'reatyourmostfocusedandothertimeswhenyour

energywanes.That/snormal.Maybeforyou,it'sbrightandearlyinthemorning,beforeanyone

elsearrivesintheoffice,whenyoudoyourbestwork.Wheneveritis,identifythatchunkoftime

(evenifit'sonlyanhour!)whenyoufeelmostproductive,andthenreserveitonyour

calendarlikeyouwouldanyotherimportantmeeting.Youneedtoprotectthisblockoftimefrom

intrusion-itisn/toptional.Thatwayyou'reguaranteedtohavearegulardesignatedperiodwhen

youcanatleastgetstartedonthosebiggerto-dos.

2.CREATEPHYSICALBARRIERS

Nobodyworksinavacuum.Weallhavetocollaboratewithotherstosomedegreeoranother.

Andit'sthepeopleweworkclosestwithwhomwetendtoputfirst-wewanttobereadily

availableiftheyneedournelp.Buttherearetimesyouneedtotuneoutthedistractionsand

focusifyou'regoingtogetanymeaningfulworkdone.

OneofthemosteffectivemethodsI'vefoundistoputphysicalbarriersbetweenus.KIIwork

fromaconferenceroomorevenfromhomeonoccasionirordertogetsomeliteralspacefrom

peopleneeding“justonequickthing.”

Theword“wanes“inparagraph2isclosestinmeaningto:

A.increase

B.peak

C.diminish

0.disappear

13、资帮I：Thisexhibitionbringstogetheroutstandingworksfromtheearliesttimestothepresent

inathematicarrangement:hatisfreshandunique.

Withworksspanning5,000years,nosuchcross-culturalexhibitiononthisscalehaseverbeen

attempted.Theexhibitionfeaturesover150ofthefinestbronzesfromAsia,AfricaandEurope

andincludesimportantdiscoveriesaswellasarchaeologicalexcavations.Manyofthepieceshave

neverbeenseenintheUK.

Arrangedthematically,Bronzebringstogetheroutstandingworksfromantiquitytothepresent.

DifferentsectionsfocusontheHumanFigure,Animals,Groups,Objects,Reliefs,Gods,Headsand

Busts.TheexhibitionfeaturesstunningAncientGreek,RomanandEtruscanbronzes,throughto

raresurvivalsfromtheMedievalperiod.TheRenaissanceisrepresentedbytheworksofartists

suchasGhiberti,Donatello,Cellini,andlaterGiambologna,DeVriesandothers.BronzesbyRodin,

Boccioni,Picasso,JasperJohns,Moore,BeuysandBourgeoisarerepresentativeofthebestfrom

the19thcenturytotoday.

Bronzehasbeenemployedasanartisticmediumforoverfivemillennia.Itisanalloyconsisting

mainlyofcopper,withlesseramountsoftin,zincandlead.Duetoitsinherenttoughnessand

resistance,thematerial'susesoverthecenturieshavebeenremarkablyvaried.Asectionofthe

exhibitionhasbeendevotedtothecomplexprocessesinvolvedinmakingbronze,enabling

visitorstoexplorehowmodelsaremade,castandfinishedbyavarietyofdifferenttechniques.

Theexhibitionoffersauniqueexplorationofartisticpractce,anunderstandingofthephysical

propertiesanddistinctivequalitiesofbronze,andtherareopportunitytoseetheverybest

examplesinoneplace.

BronzehasbeenorganizedbytheRoyalAcademyofArts.-heexhibitioniscuratedbyProfessor

DavidEkserdjian,oftheUniversityofLeicester'sDepartmentoftheHistoryofArtandFilm,and

CeciliaTreves,ExhibitionsCuratorattheRoyalAcademyofArts,withanadvisorycommitteeof

expertsintherelevantfields.

Peoplewhogotothisexhibitioncanlearnallofthefollowingsexcept.

A.theprocessesofmakingbronze

B.thebestworksofbronze

C.thepropertiesandqualitiesofbronze

D.somenewmediaart

14、资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsof

planning,timeandsavings.

Somescaryfactsaboutretirement:

Morethan50%ofpersonsdonothaveenoughfinancesforretirement.

25%donotparticipateintheircompany'sretirementplan.

Theaveragepersonspends20yearsinretirement.

Herearesometipstohelpyouplancorrectly:

1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingv/itha

financialplannertogeta“check-up”.It'sjustlikeadoctor'svisit,andyoushouldreallytalkabout

yourpresentsituationandfuturegoals.

2.Save,save,andkeeponsaving.Makeitahabittosaveasmuchasyoucan.

3.Learnyourretirementneeds.Retirementcanbeexpensive.Learnfromtodayhowmuchyou

needtosaveforyourretirement.Talktoafinancialplanner;orfindanonlineretirement

calculator.

4.Takepartinyouremployer'sretirementplans.Ifyourcompanyoffersone,itisusuallythebest

toolyoucanuse.Talktoafinancialprofessionalforallyouroptions.

5.Learnaboutpensionplans.Ifyouhaveanemployerorgovernmentpensionplan,learnallthe

details.

6.Keepyourretirementsavingsoff-limits.Don'tmakeawithdrawaluntilyouretire.Youmight

incurpenaltiesanditwillbeasetbackforrealizingyourgoals.

7.Getyouremployertostartone,anditcanhelpyoutremendously.

8.Learnaboutyourgovernment'sretirementplans.Everycountryhasdifferentplans,somewith

specialtaxincentives,solearnwhatyourcountryoffersandplanaccordingly.

9.Doyourownresearch.UsetheInternet,readthenewspapersandmagazines,talktoyour

friends,tofindoutasmuchasyoucanaboutretirement.

Whocanbeafinancialprofessional?

A.Theprofessionalwhowilldoaphysical//check-up/,foryou

B.Theprofessionalwhowillvisityoulikeadoctor

C.TheprofessionalwhowiIscheduleameetingwithyou

D.Theprofessionalwhowillhelpyoumakeyourfinancialpans

15、Yoursuggestioncouldonlymakethingsworse.

A.ifanything

B.ifeverything

C.ifnothing

D.ifsomething

16、Meanwhile,youcancollectspecialstickersthateitheropenupsecretsor

launchpowerfulattacks.

A.devastatingly

B.consequently

C.merely

□.surprisingly

17、流感是一种由流感病毒引起的常见病，流感病毒有大同的类型。现有多种流感疫苗，有

人注射了一种流感疫苗后，在流感流行期间未患流感，但流感再次流行时却患了流感，这其

中不可能的原因（）。

A.流感病毒发生了变异

B.抵抗流感病毒的抗体在体内存在时间短

C.流感病毒使人的免疫系统受损

D.流感病毒与注射的疫苣是不同类型

18、支付的在建工程人员的工资属于（）产生的现金流量。

A.筹资活动

B.经营活动

C.汇率变动

D.投资活动

19、2012年GDP增速目标为（）；全年CPI控制在4%。

A.7.5%

B.7.8%

C.7.6%

D.8%

20、已知信息如下：

（1）如果甲不是销售员，那么乙不是顾客：

（2）甲、丙至少有一个是销售员；

（3）如果乙不是顾客，那么丁不是经理；

（4）如果戊是收银员，那么丁是经理；

（5）乙不是顾客；

则可推知（）o

A.甲是销售员

B.戊是收银员

C.丙是销售员

D.丁是经理

21、资举I•:Doyouwanttoseetheworld?ThenplantovisittheSilverPoseidonCruisesCareerFair

onTuesday,November15from9a.m.to4p.m.orWednesday.November16from5p.mto9

p.m.Wearelookingforfoodservice,entertainers,andmaintenancesstafftoworkaboardour

manyvessels.FreetravelisjustthebeginningwhenyouworkforSilverPoseidonCruises.

Weofferpaidtraining,greatbenefits,andopportunitiestoadvance.Applicantsshouldhaveat

leastthreeyearsofrelatedworkexperienceaswellasgoodcommunicationskillsandbeableto

worknightsandholidays.SelectedapplicantswillbecalledbackforasecondinterviewbySunday,

November20.

Foradvanceregistration,pleasevisitourWebsiteatbySunday.

November13.

Formoreinformation,

Pleasecall1-800-555-7962

Or

e-mailElenaRuizat

eruiz@

WhatbenefitisNOTmentionedintheadvertisement?

A.Careeradvancementopoortunities

B.Paidtrainingprograms

C.Freetravel

D.Timeoffforholidays

22、鉴于总账及其所属明细账相互关系，在进行账簿登记时应采用（）。

A.复式记账法

B.借贷记账法

C.平行登记法

D.加权平均法

23、ThemobilityofcellphonesmeansyoucanbeanywhereandhavetheorshouldIsaythe

convenience,ofaphone.

A.must

B.accompaniment

C.conclusion

0.necessity

24、Theycouldgiveyouanationallyqualificationandtheexperienceyouneedtogetthejob.

A.recognized

B.viewed

C.regarded

0.realized

25、规定外国公使可以进驻北京的不平等条约是()。

A.《天津条约》

B.《北京条约》

C.《马关条约》

D.《辛丑条约》

26、魏源在《海国图志》中阐述了“师夷长技以制夷〃的思想。他所说的“长技〃在19世纪中

期已经出现的是()。

A.电话

B火车

C.电视

D.飞机

27、通常情况下，下列商业银行资产的流动性自高至低排序正确的是()。

(1)国债

(2)同业借款

(3)银行自有房产

(4)可出售的贷款组合

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

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

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

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

28、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四

大国有商业银行全部实现上市，中国金融改革开始新的一页。

根据上述材料，回答问题：

(),上海证券交易所成立。

A.1990年12月

B.1991年7月

C.1991年8月

D.1991年12月

29、资格I":Humanresourceprofessionalsactasmediatorsbetweenanorganiza:ion's

managementanditsworkers.ThisrequireswearingmanyhatsIt'sanHRadministrator'sjobto

makesurethatemployeesareworkinginasafeenvironmentthatdisputesaresettled,andthat

benefitsareunderstoodandadministeredproperly.Atthesametime,HRischargedwith

recruitingnewemployeeswhowillnotonlyfitinpersonallyandprofessionallybutalsohelpthe

companyachieveitsbusinessgoals.Theyalsorepresentmanagementwhennegotiatingfor

benefitswithcompaniesadministeringthesebenefitsandwhenimplementingcompanywide

policiesthatwillultimatelylowercostsorboostprofits.TheneedsofHRcoverawiderangeof

tasksand,therefore,requireindividualswhoaregoodwithpeopleinadditiontobeing

organized»analytical,business-minded,andheroicmultitaskers.

AllcompaniesneedsomekindofHRsupportTheBureauofLaborStatistics(BLS)expectsjobsin

HRtogrowfasterthanaverageforalloccupationsthrough2012.Opportunitieswillincreaseasa

resultofagrowingeconomyaswellasaneedtoreolaceworkerstransferringtoother

occupationsorretiring.BLSexpectsparticularlystrongdemandfortraininganddevelopmentand

employment,recruitment,andplacementspecialists,withmanagement,consulting,and

employmentservicesfirmsofferingthegreatestnumberofopportunities,thankstoatrend

towardoutsourcingpersonnelfunctions.

YoucangettheinsideedgeforacareerinHRbystrengtheningyourunderstandingofbusiness

strategyandplanningandbyspecializinginaspecificindustry.Agreatwaytogetstartedinthe

fieldiswithpractice,lookforaninternshiporanHRassistantjobifyou'reinschoolorjustout.

ManyHRprofessionalsworktheirwayup.Asyoudevelopanunderstandingofthevariouscareer

tracksandmasterthebasicskillswithinthefunction,you'llbeinagreatpositiontoriseupthe

ladder.

Inparagraph2,whydoesBLSexpectparticularlystrongdemandforcertainHRspecialists?

A.Becausetheeconomyasawholeisgrowingnowadays

B.BecausejobopportunitiesinHRgrowfasterthantheaverage

C.Becausetransferredorretiredworkersneedtobereplacedintime

0.BecausecompaniesbegntorecruitHRfunctionsfromtheoutside

30、资料：It'salmostconsideredsacrilegioustodaytoleaveworkattheendofyourworkdayor

(forshamel)onaFridayandsimplynotcheckyouremailuntilyoureturntheofficeduring

normalworkinghours.

Theconstantneedtocheckemailisthetrade-offthemodernworkforcehasmadefortheability

toworkanytime,anywhere,thankstosmartphonesandtabletsthatkeepusalwaysconnected.

Butthreeuniversityresearchershavefoundthatit'snotjustdoingabitofworkafterhoursthat

causeburnout.Thetrueculpritisactuallytheconstantwor-yingaboutoff-houremail.

Anewstudy"ExhaustedButUnabletoDisconnect."byLehighUniversity'sLiubaBelkin,Virginia

Tech'sWilliamBeckerandColoradoStateUniversity'sSamanthaConroyshowsthatemployees

aregrowingexhaustedbytheexpectationthattheywillalwaysbeavailable,neverknowingwhat

kindofworkrequestswillaskedofthemoffhours.

Typically,companiesdon'tmeantostressemployeesoutlikethat.Mostcompaniesdon'thave

formalpoliciesthatsaypeoplemustanswerworkemailsafter-hours.(expect,perhaps,incases

whereanemployeeisoncallduringspecifictimes).

Butpoliciesandculturetendtobetwodifferentthings.Ifsupervisorsroutinelyemailemployee

afterhoursandexpectafastresponse(oftenbecausetheirsupervisorsaredoingthesameto

them),thenthemessageisclear:wheneverthebossemails,theemployeeisexpectedtobe

available.

Thesolutionisforbossestotellemployeesthatanafter-hoursemaildoesn'tnecessarilyrequire

aresponsebeforethenextworkday,andtoalsosetsometimeswhenafter-hoursemailingis

consideredacceptableandprohibited,suchasnoemailsviathedinnerhour,onweekends,or

after10p.m,theresearcherssay.

Whatcanbeinferredfromthefirstparagraph?

A.It'sshameifyoucheckyouremailallthetime

B.Theemployeesarewillingtoleaveworkattheenddayoftheworkday

C.Theemployeesareexpectedtoansweremailsalthoughit'snotworkingtime

D.Workemailistheessentialpartinworker'sdailylife

31、隔日交割，即在成交后的第一个营业日内进行交割的是（）。

A.即期外汇交易

B.远期外汇交易

C.中期外汇交易

D.长期外汇交易

32、申请免费电子信箱一般通过（）。

A.写信申请

B.电话申请

C.电子邮件申请

D.在线注册申请

33、Ihopewecanflytomoononeday.

A.a

B.an

C.the

D./

34、股票增值权模式的适用范闱是（）。

A.现金流量比较充裕的非上市公司和上市公司

B.现金流量比较充裕且比较稳定的上市公司和现金流量比较充裕的非上市公司

C.业绩稳定型的上市公司及其集团公司、子公司

D.业绩稳定的上市公司及其集团公司

35、对银行机构流动性监管内容不包括（）。

A.流动性负债大于自有资本

B.资产负债期限匹配

C.流动性应保持在适度水平

D.银行资产变化情况

36、WheneverItrytoupwhatinnovationlookslike,thesameslideshowofimagesclicks

acrossmymind.

A.come

B.figure

C.conjure

D.set

37、资料：Askedtonametheirfavoritecity,manyAmericanswouldselectSanFranciscowhich

beganasasmallSpanishoutpostlocatedonamagnificentbay.Thetownwaslittlemorethana

villageservingrancherswhentheUnitedStatestookpossessionofitin1846duringthewarwith

Mexico.

SanFranciscosprangintoacityovernightbecauseofthenearbydiscoveryofgoldin1848.Agreat

rushtoCaliforniatookplace.Wagontrainsploddedtheirdangerouswayacross2000milesof

prairieandmountains,whilehundredsofsailingvesselsmadetheequallyhazardoustriparound

theHorn.Thevesselsdisgorgedthousandsofpassengers-thenthecrewsdesertedtheirship

andhundredsofvesselswerelefttorotinthebay.Withintwoyears,Californiahadenough

populationtobecomeastateandSanFranciscowasformanyyearsthehubofthatnewly-arrived

population.

Thecity'spresentpopularityisduetoanexcellentclimate,aneasystyleofliving,goodfood,and

numeroustouristattractions.Thecityisfamousforitscablecarswhich"clangandbang"upthe

steephills,andforitsexcellentseafoodstallsalongthewharf.Mostvisitorsarrivingfromnations

inthePacificBasinspendseveraldaysgettingtoknowthetown.

InwhichyeardidCaliforniabecomeanAmericanstate?()

A.1850

D.1852

C.1846

D.1848

38、Thegovernmenthastotryeverymeanstotherateofinflation.

A.bringback

B.bringdown

C.bringforth

D.bringabout

39^Almostoftheinformationwegatherisalsoavailableonlinearoundtheworld,withthe

comingfromourcontactsjromdirectgrowersandwholesalers。

A.remained

B.remaining

C.remains

0.remain

40、Ninety-fourstudiesweredeletedbecausetheydidnot

A.theinclusioncriteria.

A.make

B.meet

C.put

D.keep

41、激光器通常由（）组成。

A.工作物质、谐振腔、激光源

B.工作物质、谐振腔、光源

C.工作物质、激光源、发射器

D.谐振腔、激光源、发射器

42、以下属于中国金融监管的对象有（工

A.国有商业银行

B.农村信用合作社

C.信托投资机构

D.以上均是

43、主营业务利润率属于哪种财务比率（）o

A.结构比率

B.效率比率

C.相关比率

D.利润比率

44>1912年（）写出第一本以“Marketing〃命名的教科书，被认为是市场营销学作为一

门独立学科出现的标志。

A.鲍敦

B.菲利普•科特勒。

U彼得•杜拉克

D.赫杰特齐

45、资料：Thepersonalcomputerwasarevolutionininformationtechnologythatspawneda$50

billionhardwarebusiness,withanother$30billioninsoftwareandperipherals（eg.mouse,

keyboard,printeretc.）by1991.Duringitsshort15years,theindustryevolvedthroughthree

successiveperiods.Duringitsfirst5to6years,itwascharacterizedbyexplosivegrowthand

multiple,smallcompetitorsvyingforapieceofthemarket.From1981to1985,theindustry

becameabattleforstandardsandretailshelfspace.Thethirderawasoneofincreasing

fragmentation.From1986through1991-1992,newmanufacturersfromaroundtheworld

grabbedfromtheindustryleadersasnewchannelsofdistributionemergedandproduct

innovationaswellasrevenuegrowthslowed.

Duringtheearlyyearsoftheindustry,venturecapitalintheU.S.encouragedtheentryofnew

firmsthatofferedproductsineveryconceivableshapeandsize.By1980,newentrantsflooded

themarket,promptingdistinctstandardsanduniquetechnicalfeatures.Almosteveryfirmhada

differentconfigurationofhardwareandsoftware.ThefirstPChadrelativelylittlespeedor

memory.However,eventheseearlycomputersallowedmanagerstoperformtasksthatwere

verytimeconsuming.

Whatwasimpossibleduringtheearlyyearsoftheindustry?

A.Sharingapplicationsbetweenmachines

B.Programmingonthecomputer

C.Writingcontractsonthecomputer

D.Buyingkeyboardsandprinters

46sWhilethetradefightisn'taffectingmostoftheeconomyyetinabigway,manyindustriesare

worriedthatthedamagecouldquickly。

A.getlost

B.getbetter

C.getworse

D.getstrong

47、（）incomputertechnologyareallowinguserstoreachintoanypartoftheworldbyjust

clickingamouse.

A.Advancement

B.Advances

C.Advancing

0.Advance

48、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》

49、资若I■:Itseemssimpleenough.Takealltheline-formingandpaper-fillingbusyworkofthe

government,andputitalupontheInternet.Now,inordertoreportapot-hole,payyour

propertytax,complaintoanofficialorcastavote,justlogonandhitafewbuttons.Goodbye

bureaucracy,helloe-cracy?

However,theshifttoe-governmentisturningintoonegiantpainintheneck——technologyisn't

theproblem,moneyis.TheGartnerGroupestimatedthatprojectspendingfore-governmentwill

growfrom$6.5billionin2010tomorethan$16.8billionby2O25.Thecostworldwideoverthe

next15years,however,isthoughtbysometoreachorevenexceed$600billion.

Citizensareoftwominds—theyliketheconvenienceandflexibilityofe-government,butthey

haveshownnogreatinterestincoughingupextrataxdollarsforthispurpose.E-governmentis

turningouttobemuchmoreexpensivethanitsearlychampionsenvisioned.Justbecausethata

state'sdepartmentofmotorvehiclesallowsonlineautoregistrationdoesn'tmeanitcanshut

downitsphysicalstations.ThecostofcreatingandmaintaininganInternetpresencemustbe

addedtotheexistingcosts:ructure.

Whysoexpensive?It'scheapenoughforaregionalforestservicetoputupafirealertwebsite.

Butmountingacomprehersivesystemofinputsandoutputsthatmirrorsandinsomeinstances

supersedesoff-linegovernmentstructuresisamammothexpenditure,conductedwithlittle

assurancethatemergingtechnologicalstandardswon'tleaveyoureffortinthedust.

Ifthissoundseerilysimilartotheconfidencewalldot-combusinessespiledintolastyear,good

foryou,becauseit'sthesamewall,thewallofreality,wheremoneyisstillmoney,andbecausea

thingisvirtualdoesn'tmeanit'sfree.Itisareallybigproblem.Weallknowitisgoingtocosta

tonofmoney,butnooneknowswheretogoforthemoney.

Theunderlinedphrase“oftwominds“inParagraph3bestshowsthatcitizens'attitudetowards

thee-