2024年全国银行招聘之银行招聘综合知识考试进阶提升题（详细参考解析）

全国银行招聘考试重点试题精编

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一、选择题

1、资料：Ahigh-precisionNASAradarinstrumentleftaNASAairportinSouthernCaliforniafor

IcelandonJanuary28tocreatedetailedmapsofhowglaciersmoveinthedeadofwinter.This

willhelpscientistsaroundtheworldbetterunderstandsomeofthemostbasicprocesses

involvedinmeltingglaciers,whicharemajorcontributorstorisingsealevels.

NASAusedthesameairborneinstrumentinJune2012tomapthesummerflowsoftwoIcelandic

icecaps.Theicecaps-largeareasofpermanentsnowandicecover-encompassmultiple

glaciersflowingindifferentdirectionsandatdifferentspeeds.Bymappingthesameicecapsnow,

inwinter,whenthesurfaceremainsfrozenallday,andthencomparingthewinterandsummer

velocities,theresearcherswillbeabletoisolatetheeffectsofmeltwater.

AboveisaviewofasmallpartoftheHofsjkullicecap,whichencompassesseveralglaciers.The

fanatupperleftispartofaglaciercalledMlaj?kull.

Formoreontheresearch,seethisNASApressrelease.

Whatdoestheunderlinedwordpermanent(paragragh2)mean?

A.Freezeeasily

凶密B.Movequickly

封

线C.Long-lasting

D.Extremelycold

2、组织结构三要素不包括（)o

A.虚拟化

B.规范化

C.集权化

D.复杂化

3、Passage2

ThedataabankhasstoredonitsserversIsmorevaluablethanthegoldinItsvaults.Banksenjoy

恬

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.lnEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（网络攻击）.Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreakthe

rules.Thirdjegulatorsmustalsobeflexibleenoughtoallowforchangesasthemarket

evolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—such

aslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary

Accordingtothefirsttwoparagraphs,whatwillbanksinEuropebeforcedtodo（）

A.Tokeepclient'sdatasafe

B.Toclosedownthepoorservices

C.Togiveuptheirdatamonopoly

D.Todisclosetheirsourcesofprofits

4、国办印发意见，要求2021年底前，各地相关政务服务便民热线归并统一为“（）政

务服务便民热线〃。

A.12304

B.12345

C.12045

D.12205

5、第一个踏上月球的人是（）。

A.大卫?布朗

B.加加林

C.阿姆斯特朗

D.迈克尔?安德森

6、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.

Old-fashionedwordingissemetimesusedininsurancepoliciesbecause.

A.lawcourtshavedecidednottousefashionablewords

B.itiswidelyacceptedbyalltheinsured

C.itenablesordinarypeopletounderstanditeasily

D.themeaningofsuchwordinghasbeenagreedupon

7、Ifoundthewindows___.

A.open

B.tobeopened

C.opens

0.opening

8、新中国第一家全国性的股份制商业银行成立于（）年。

A.1980

B.1979

C.1987

D.1985

9、陈皮是药食同源的宝贵原料之一，其最显著的药效是化痰止咳、疏通心脑血管、降血压

等。陈皮是以（）的表皮为原料的。

A.柚子

B.橙子

C.橘子

D.桃子

10、不能向居民发放贷款的金融机构是（）。

A.中国农业发展银行

B.中国建设银行

C.农村信用合作社

D.城市商业银行

11、Passage4

Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.The

house-owner,forexampie,knowsthathispropertycanbedamagedbyfire;theship-ownerknows

thathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageand

leavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenorevery

vessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionare

knownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".

Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksof

businessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsattheprices

offeredisnotofakindthatcanbestatisticallyestimated-endriskscanonlybeinsuredagainstif

theycanbesoestimated.

Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthe

bestquality.ltstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumof

money,calledthe"premium，whichisusuallypaideveryyear,theinsurerwillpayasumofrroney

orcompensationforlossjftheriskoreventinsuredagainstactuallyhappens.Thewordingof

policies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasound

reasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthe

meaningofdoubtfulphrasesinpolicies.Thelawcourts,intheirjudgments,havegiventhese

phrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshave

continuedtobeusedinpoliciesevenwhentheyhavepassedoutofnormaluseinspeech.

Itseemsthattheauthorthinkstheinsuranceis（）.

A.aformofgambling

B.awayofmakingmoneyquickly

C.usefulandnecessary

D.old-fashioned

12、下列不属于我国《刑法》基本原则的是（）。

A.罪刑法定原则

B.法律面前人人平等原贝！

C.罪刑相当原则

D.罪刑合理原则

13、导致需求曲线发生位移的原因是（）。

A.因价格变动，引起了需求量的交动

B.因供给曲线发生位移，引起了需求量的变动

C.影响需求量的非价格因素发生交动，而引起需求关系发生了变动

D.因社会经济因素发生变动引起产品价格的变动

14、吊销违法者的经营许可证是（）。

A.行政命令

B.行政处罚

C.行政处分

D.行政强制执行

15、资料:Memo

Datedanuary17

From:NelaPotter

To:Marketingstaff

Pleasereviewtheattachedbestsellerlistfromtoday'sSilvertonDaily.ThoughMarkShipley's

bookisloveonthelist,rememberthatwereleaseditonlyonJanuary2.Thereisstillan

opportunityforsalestoincrease.Howcanweguaranteethatthishappens?

Thislistclearlyillustratesthathealthandwellnesstitlesaregoodsellers.Ourcompetitors,such

asWaylandandBrownback,havebeenthriving.1attributetheirsuccesstoaggressivemarketing

tactics.ConsiderhowWaylandhasbeenextensivelypromotingJennaWyatt'sbook!

So,forournextscheduledmeeting,Iwouldlikeeachofyoutopresentyourownoriginalideals

forgeneratingmorepublicityforourcurrentandfurtureprojects.

｛图

Whatbooksoldthemostcopiesthepreviousweek?

A.YourBestFitnessPlan

B.GreenEats

C.TheOlympian'sCookbook

D.ThePharaoh'sLives

16、资卷|There'sagoocchancethatspicycrunchytunarollyouorderedforlunchdoesn't

actuallycontainanytunaatall.

That'sbecause74%offishsoldatsushivenuesintheUSismislabeledandoftencompletely

differentthanwhat'sonthemenu,accordingtoa2013surveyfromtheoceanconservation

groupOceana.

Butnewtechnologycouldhelpmaketheseafoodbusinessabitmoretransparent.Googleis

teamingupwithOceanaandtheaerialandsatelliteimagingnonprofitSkyTruthtolaunchGlobal

FishingWatchthisfall,theNewYorkTimesreports.Theinitiativewilltrackandanalyzefishing

boatpracticesusingsatellitetechnologyand,ideally,helpensurethatfewerfakeormislabeled

fishareswappedinalongtheway.

Seafoodprovidersarealsoinvestingintechnologytoreducefraud.Bostonseafooddistributor

Red'sBest,forexample,hasincreasedtransparencybysellingfishwithlabelsthatbuyerscan

scanwiththeirsmartphonestoaccessawebpagethatprovidesdetailsabouttheindividualfish,

includingwherethefishcamefrom,theNewYorkTimesreports.

Evenifarestaurantservessomereal,correctlylabeledfish,95%ofthe118sushirestaurants

surveyedbyOceanaincitiesincludingNewYork,Chicago,andLosAngeleshadatleastonefaked

sushiitemonthemenu.

Currently,thebiggestculpritsforfakesushiaresnapper(92%misleadinglylabeled)andtuna

(71%).Whitetunaisoftenswappedforescolar,whichissometimescalledthe"Ex-LaxFish,"

accordingtoInsideEdition,becauseitcancauseintestinalproblems.

Roughly75%offishlabeledsnapperisn'tevenfromthesnapperfamily.Becauseofthe

predominanceoffraudinthesupplychain,NewYorksushirestaurantSushiNakazawarefusesto

serveredsnapperbecausetheriskoffakefishistoohigh.

WhydoestheauthormentionBostonseafooddistributorRed'sBest?()

A.Toemphasizetheimportanceofseafoodproviders'responsibilities

B.Toshowthattheproblemoffakeormislabeledfishhasalreadybeensolved

C.Tointroduceanewtechnologyofscanning

D.Toillustratethatseafoodprovidersalsotakeactionstoreducefraud

17>Largenumbersofstate-runpreschoolswereexpedientlycloseddownduringthe1990s

economicreformandinstead,avarietyoffor-profitprivatepreschoolssprungacrossthe

country.

A.by

B.out

C.in

D.up

18、资料：Upto80percentoftheworld'smiddleclasseswillliveindevelopingcountriesby2030

thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreport

publishedonThursday.

“Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedso

dramaticallyandsofast/'concludestheUN'slatestDevelopmentReport."Theworldis

witnessinganepochal'globalrebalancing//

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.

Underpinningthispovertyreductionwasdevelopingcountries*increasingshareofglobaltrade,

whichgrewfrom25percentto47percentbetween1980and2010.“Thesouthasawholeis

drivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies/saysthe

report.

Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,

increasingfromlessthan10percentoftotalglobaltradetomorethan30percent."Trade

betweencountriesinthesouthwillovertakethatbetweendevelopednations/thereportsaid.

Thepassagemainly.

A.discusswhydevelopingcountriesareplayingmajorrole

B.illustrateatheoryforpovertyreduction

C.explainreasonsbehindareport

0.interprettheroleoftradefordevelopingcountries

19、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,ithas12storesinthe

Netherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEurope

andnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthrough

adifficultperiod.Overthelastthreeyears,profitshavesteadilyfallenjrom450mEurosto290m

Euros.Themegastores'saleshaverisenbyaccountingforofthecompany'sturnover,butthe

increasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.

Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsfor

KGV'spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploiting

theopportunitiesofferedbysellingthroughtheInternet.

WhatkindcompanyisKGV?()

A.Itismusicstudio

B.ltisanadvertisingagency

C.ltisahigh-streetmusicretailer

D.ltisaconsultingfirm

20、四大洋面枳从大到小的排列顺序是()o

A.太平洋-北冰洋.大西洋.印度洋

B.大西洋-太平洋-北冰洋一印度洋

C.大西洋•太平洋•印度洋•北冰洋

D.太平洋-大西洋-印度洋-北冰洋

21、Mr.Backussimplyreplacedtheoriginalequationwithhisownforadreamdate,

whichincludedthepercentageofwomenlikelytofindhimattractive,andthenumberofgirls

aged24to34inLondon.

A.designation

B.measures

C.criteria

0.legislation

22、Fossilfuelsareandwillbestillforatleastthenexttwo-threedecadesatrelatively

lowcosts.

A.productive

B.convenient

C.renewable

0.available

23、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16000元。甲由于过失在己，愿意主动承担2/3的损失。问收|口1的

投资中，乙将分得多少钱？（）

A.2000元

B.3000元

C.4000元

D.6000元

24、错账的更正方法不包括（）。

A.蓝字更正法

B.红字更正法

C.补充登记法

D.划线更正法

25、票据贴现实付金额为（）。

A.汇票金额

B.贴现利息

C.汇票金额一贴现利息

26、所有者（股东）权益变动表是资产负债表的（）。

A.表

B.附注

C.财务情况说明书

D.附表

27、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

28、In2012,thelastfloodhitthesouthwesternpartoftheNetherlandsandcausedmore

than1800casualties.

A.adverse

B.radical

C.severe

0.disastrous

29、资$4：Inthebusinessenvironmentnearlyallindividualswithinanorganizationwillbelongto

oneormoregroupsorteams.

Ateamisasetofpeoplewitharangeofdifferentskillsthatwillideallyhaveobjectivesthat

contributetotheoverallcorporatestrategyofthebusiness.Theywillusuallyhavesomebody

whoisidentifiedastheteamleader.Theimportanceofteamsthatperformwellcannotbe

underestimated.Itisgenerallyacceptedbyhighachievingorganizationsthattobeeffectiveyou

needto.

1.createamotivatedteam

2.giveteammembersabriefalongsideobjectives

3.appointaleaderoftheteam

4.managetheteam

5.providethemwithauthority

6.monitortheprogressoftheteam

7.ensureeffectivecommunicationsstreams(lackofcommunicationcanbetheoneofthebiggest

issuesandfailureswithinorganization.)

Thephrase'twoheadsarebetterthanone'helpstodescribethepurposeofteams.Teams

provideanopportunitytoshareideasandstrengthsanduseavarietyofviewpointsand

experiences.Ateamprovidesindividualswithacommonpurpose.Theyalsohaveacommon

identityastheystrivetogethertowardsacommongoal.

Whatisthefeatureofateam?

A.everyoneintheteamisequalinposition

B.everyoneworksinthesameoffice

C.everypersonintheteamhasdifferentskills

0.everyoneworksforthecommongoal

30、ClarksonLibrarywillbeclosedforrenovationsfromMay3toJuly15,whichtimethe

collectionwillnotbeopentothepublic.

A.with

B.between

C.during

D.while

31、2019年，我国规模以上工业增加值增长5.7%。在规模以上工业中，分经济类型看，国

有控股企业增加值增长4.8%;股份制企业增长6.8%,外商及港澳台商投资企业增长2.0%；私

营企业增长7.7%。分门类看，采矿业增长5.0%,制造业增长6.0%,电力、热力、燃气及水

生产和供应业增长7.0%。

全年规模以上工业中，农副食品加工业增加值比上年增长1.9%,纺织业增长13%,化学原

料和化学制品制造业增长4.7%,非金属矿物制品业增长8.9%,黑色金属冶炼和压延加工业

增长9.9%,通用设备制造业增长4.3%,专用设备制造业增长6.9%,汽车制造业增长1.8%,

电气机械和器材制造业增长10.7%,计算机通信和其他电子设备制造业增长9.3%,电力、热

力生产和供应业增长6.5%。

2019年主业工业产品产量及其增长速度

产品名爵・位产受比上年才长（%）

万寸2892.1T.1

C*575.6-17.6

万t5952.89.9

1%彳万啜1389.415.9

嗪423642.51.1

当金■现贝万包18999.1-3.5

其•：城人■里£万*18689.7-1.5

万台7904.36.3

9TZ/诵■鼻2186624.3

一次•《充3975.1

忆?38.54.0

戛博万噂19101.40.9

天抬,名土方关1761.710.0

2房X小门75034.34.7

X审，大,卬】“〜工—•八r4气N52201.S2.4

京一忆*夏△管13044.45.9

<<《手更小”3483.518.3

万19963427.2

万啜120477.4S3

--干包金U万吨5866.022

万吨978.45.5

m)乃t3504.4-2.2

京龙23.54.9

<*(干100%)万可8935.7-1.3

今减（千100%）«W3464.4-0.3

万］2052.310.2

RE(F100%)万啜5731.26.1

息电町遇万华夏9274.1-14.9

汽客万制2552.8-8.3

天一：春女31f（r>>工工1016.2-16.4

之/3多工工食W（sv\）876.0-3.6

人・2黑。*'.万台27.85.9

忆立2018.28.9

万或7M.5-23.7

号今:手”二万叁170100.6-3.5

年幺丁”「玄+万自34163.28.2

二工______________________下自<>>17.7_______・31

年末全国发电装机容量201066万千瓦，比上年末增长5.8%。其中，火电装机容量119055

万千瓦，增长4.1%；水电装机容量35640万千瓦，增长1.1%:核电装机容量4874万千瓦，

增长9.1%；并网风电装机容量21005万千瓦，增长14.0%；并网太阳能发电装机容量20468

万千瓦，增长17.4%。

全年全社会建筑业增加值70904亿元，比上年增长5.6%。全国具有资质等级的总承包和专

业承包建筑业企业利润8381亿元，比上年增长5.1%,其中国有控股企业2585亿元，增长

14.5%。

图22015-2019年建筑业增加值及其增长速度

2015至2019的五年期间，我国全部工业增加值增加了约（）亿元。

A.82140

B.41990

C.71703

D.16020

32、下列投资决策方法中，适用于原始投资不同、特别是项目计算期也不同的方法是（）。

A.净现值法

B.净现值率法

C.差额内部收益率法

D.年等额净回收额法

33、市场营销观念有四个支柱：顾客导向、协调的市场营销、盈利性和（）。

A.产品中心

B.顾客中心

C.工厂中心

D.市场中心

34、资料：（二）

Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushing

themout.Reversemortgages,whichallowhomeowners62oroldertoborrowmoneyagainstthe

valueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeensaidwith

problems.Now,federalandstateregulatorsaredocumentingnewinstancesofabuseassmaller

mortgagebrokers,includingformersub-primelenders,floodthemarketaftertherecentexitof

bigbanksandasdefaultsontheloanshitrecordhighs.

Somelendersareaggressivelyrecommendingloanstoseniorswhocannotaffordthefees

associatedwiththem,withoutmentioningthepropertytaxesandmaintenance.Othersare

wooingseniorswithpromisesthattheloansarefreemoreythatcanbeusedtofinancetheir

long-desiredthings,withoutclearlyexplainingtherisks.Somewidowswerepressurednotto

havetheirnamesonthecontract,withoutbeingtoldthattheycouldbeleftfacing

foreclosureaftertheirhusbandsdied.

Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewith

decliningsavings,thenewlyestablishedConsumerFinancialProtectionBureauisworkingornew

rulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Vlore

than775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.

Concernsaboutthemulti-billiondollarreversemortgagesmarketechothoseraisedinthe

lead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghidden

risks—thattheycouldnotafford./zTherearemanyofthesameredflags,includingexplosive

growthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardedto

suitability/sadLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthe

reversemortgagemarket.

Whatcanwelearnaboutmortgageloansfromthefirstparagraph?

A.Theloansareexpectedtohelpseniorsstayintheirhomes

B.Theloansaredrivingallseniorsoutoftheirhomes

C.Thereversemortgageonlywelcomesseniors

D.Anyseniorcanapplyforreversemortgages

35、资料：Becauseofthebiochemicalreactionsinyourbodythatoccurwitheverytypeoffood

youeatonadailybases,somefoodsageyoufasterthanyourrealage,whileotherfoodshelpto

fightaging.

Threeoftheprocessesthatgooninsideyourbodythathaveamajorimpactonyourrateof

agingarecalled“glycation","inflammation"and"oxidation".

Whenwetalkaboutaging,we'renotjusttalkingaboutwrinklesonyourskinorhowthickyour

hairis,we'realsotalkingaboutfactorsthatyoucan'tsee,suchashowwellyourorgansfunction,

andwhetheryourjointsaredegrading.

Thepassageisprobably

A.theprefaceofabook

B.anexcerptfromapaperonhealth

C.abookreview

D.promotionalmater