2024年全国银行招聘之银行招聘综合知识考试经典测试题- 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

1、Uranus,ismuchmoremassivethantheEarth,seemstohavebeentippedoverso

thatitliesonitsside.

A.what

•,；B.who

NiC.that

瑕：D.winch

2、E-mail邮件本质是（）。

A.一个文件

B.一份传真

C.一个电话

D.一个网页

3、已知某城市商品住宅平均销售价格2006年、2007年、2008年连续三年环比增长速度分

别为1%、6%、9%,这三年该城市商品住宅平均销售价格的定基增长速度为()。

A.(101%xl06%xl09%)-l

B.l%x6%x9%

C.(l%x6%x9%)+1

凶密

封D.101%xl06%xl09%

线

4、资料：Youcannotgoforwardbygoingbackward.Takethecurrentdebateabouttradeand

globalization,forinstance,whiletheimpulsetoerecttradebarriersisunderstandablegiventhe

painexperiencedinrecentyears,itisnotthewaytocreatelastinggrowthandsharedprosperity.

Overthepastthreedecades,globalflowsoftradeandinvestmenthaveaccelerateddramatically,

creatingenormouseconomicvalue.However,tradeandglobalizationhavealsobrought

wrenchingjoblosses.Thefinancialcrisisandweakrecoveryhavemademattersworse,

intensifyingthebacklashagainsttradeandglobalization.

Partoftheproblemisthatthebenefitsoftradeandinvestmentgolargelyunrecognized,while

thejoblossesareoftenoverstated.Anothersignificantproblemisthatparticipationintradeand

恬

investmentislimitedtoarelativelysmallsetoffirms.IntheU.S.,largefirmsaccountfor

three-quartersoftotalexports,andthevastmajorityofsmallandmedium-sizebusinessesdonot

export.Thismeansfirmshaveagreatopportunitytoboostgrowthandproductivitythrough

widerparticipationintrade.

Thatleavesthequestionofhowtohelpthosehurtbytradeandglobalization.Toooftenwetalk

aboutre-trainingasapanacea(万能药).Andyes,ithelps.Butitneedstotakeintoaccountthe

differentrequirementsofeachworkforceandneedstobepartofawidersetofsuppolfor

affectedworkersandcommunities.

Aboveall,itisimportanttorecognizethatoureconomictransitiontoaglobalanddigital

economyisanirreversibletrend.Onlybybroadeningparticipationintheglobaleconomy,rather

thanbytryingtoturnbacktheclock,willwediscoveransv/erstotoday'smostvexingecoromic

problems.

Whatofthefollowingisthebestdescriptionoftheauthor'sattitudetowardtradeand

globalization?

A.Critical

B.Doubtful

C.lndifferent

0.Approving

5、Passage6

Firsttwohours,nowthreehours—thisishowfarinadvanceauthoritiesarerecommending

peopleshowuptocatchadomesticflight,atleastatsomemajorU.S.airportswithincreasingly

massivesecuritylines.

Americansarewillingtotoleratetime-consumingsecuri:yprotocolsinreturnforincreased

safety.ThecrashofEgyptAirFlight804,whichterroristsmayhavedownedoverthe

MediterraneanSea,providesanothertragicreminderofwhy.Butdemandingtoomuchofair

travelersorprovidingtoolittlesecurityinreturnunderminespublicsupportfortheprocess.And

itshould:WastedtimeisadragonAmericans'economicandprivatelives,nottomention

infuriating.

Lastyear,theTransportationSecurityAdministration(TSA)foundinasecretcheckthat

undercoverinvestigatorswereabletosneakweapons—bothfakeandreal—pastairportsecurity

nearlyeverytimetheytried.Enhancedsecuritymeasuressincethen,combinedwitharisein

airlinetravelduetotheimprovingeconomyandlowoilprices,haveresultedinlongwaitsat

majorairportssuchasChicago'sO'Harelnternational.ltisnotyetclearhowmuchmoreeffective

airlinesecurityhasbecome—butthelinesareobvious.

Partoftheissueisthatthegovernmentdidnotanticipatethesteepincreaseinairlinetravel,so

theTSAisnowrushingtogetnewscreenersontheline.Partoftheissueisthatairportshaveonly

somuchroomforscreeninglanes.Anotherfactormaybethatmorepeoplearetryingtoove,pack

theircarry-onbagstoavoidchecked-baggagefees,thoughtheairlinesstronglydisputethis.

ThereisonesteptheTSAcouldtakethatwouldnotrequireremodelingairportsorrushingto

hire:EnrollmorepeopleinthePreCheckprogram.PreCheckissupposedtobeawin-winfor

travelersandtheTSAPassengerswhopassabackgroundcheckareeligibleto

use?expedited?screeninglanes.ThisallowstheTSAtofocusontravelerswhoarehigher

risk,savingtimeforeveryoneinvolved.TSAwantstoenroll25millionpeopleinPreCheck.

Ithasnotgottenanywhereclosetothat,andonebigreasonisstickershock:Passengersmust

pay$85everyfiveyearstoprocesstheirbackgroundchecks.Sincethebeginning,thispricetaghas

beenPreCheck'sfatalflaw.Upcomingreformsmightbringthepricetoamorereasonable

level.ButCongressshouldlookintodoingsodirectly,byhelpingtofinancePreCheckenrollment

ortocutcostsinotherways.

TheTSAcannotcontinuecivertingresourcesintounderusedPreChecklaneswhilemostofthe

travelingpublicsuffersinunnecessarylines.ltislongpasttimetomaketheprogramwork.

z/w

Theunderlinedwordexpedited(Liner4zPara.5)isclosetinmeaningto().

A.quieter

B.cheaper

C.wider

0.faster

6、期货交易与现货交易的不同之处在于（）。

A.风险较小的合约

B.不需要交保证金的合纹

C.实物交割率低的合约

D.交易所并不提供结算服绛

7、Passage8

Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushing

themout.Reversemortgages,whichallowhomeowners62andoldertoborrowmoneyagainst

thevalueoftheirhomesandnotpayitbackuntiltheymcveoutordie,havelongbeenfraught

withproblems.Butfederalandstateregulatorsaredocumentingnewinstancesofabuseas

smallermortgagebrokersjncludingformersubprimelenders,floodthemarketaftertherecent

exitofbigbanksandasdefaultsontheloanshitrecordrates.

Somelendersareaggressivelypitchingloanstoseniorswnocannotaffordthefeesassociated

withthem,nottomentionthepropertytaxesandmaintenance.Othersarewooingseniorswith

promisesthattheloansarefreemoneythatcanbeusedtofinancelong-covetedcruises,whhout

clearlyexplainingtherisks.Somewidowsarefacingevictionaftertheysaytheywerepressuredto

keeptheirnameoffthedeedwithoutbeingtoldthattheycouldbeleftfacingforeclosureafter

theirhusbandsdied.

Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewith

decliningsavings,thenewlymintedConsumerFinancialProtectionBureauisworkingonnew

rulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Vlore

than775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.

Concernsaboutthemultibillion-dollarreversemortgagemarketechothoseraisedinthelead-up

tothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghiddenrisks-that

theycouldnotafford/Therearemanyofthesameredflagsjncludingexplosivegrowthandthe

factthattheseloansareoftenadvertisedaggressivelywithoutregardtosuitability/saidLori

Swanson,theMinnesotaattorneygeneral,whoisworkingonreformingthereversemorrgage

market.

WhichistrueaboutthenewrulesfromConsumerFinancialProtectionBureau

A.Therulesaregoodforlenderswhilebadforborrowers

11、资料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersare

implementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPolland

commissionedbytheCTIA.

Thesurveywasapartofthecompany'songoingeffortstoboostusereducationonthepitfallsof

mobilesecurityandassesswhethertheCTIA'sinitiativesareworking.

ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforth

andhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:

MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform

2012.

Anincreasingnumberofsmartphoneusershaveinstclledbuilt-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.

Inwhatwayshowsthatpeoplehaveincreasedawarenessofandprotectionfortheirmobile

devices?

A.Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware

B.Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erase

software

C.MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years

D.AIIofabove

12、有关再贴现率的表述错误的是（）。

A.该利率的提高会减少商业银行资金成本，增加盈利

B.包括贴现率和中央银行对商业银行贷款的利率

C.不同于随供求变化而变化的市场利率

D.该利率的提高会减少商业银行贴现和贷款的要求，从而减少流通中的货币

13、企业购进原材料60000元，款项未付。该笔经济业务应编制的记账凭证是（）。

A.收款凭证

B.付款凭证

C.转账凭证

D.以上均可

14、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。

Thegovernmentistobanpaymentstowitnessesbynewspapersseekingtobuyuppeople

involvedinprominentcases?1?thetrialofRosemaryWest.

Inasignificant?2?oflegalcontrolsoverthepress»LordIrvine,theLordChancellor,will

introducea?3?billtha:willproposemakingpaymentstowitnesses?4?andwillstrictly

controltheamountof?5?thatcanbegiventoacase?6?atrialbegins.

InalettertoGeraldKaufman,ChairmanoftheHouseofCommonsMediaSelectCommittee.Lord

Irvinesaidhe?7?withacommitteereportthisyearwhichsaidthatselfregulationdidnot?

8?sufficientcontrol.?9?ofthelettercametwodaysafterLordIrvinecauseda?10?of

mediaprotestwhenhesaidthe?11?ofprivacycontrolscontainedinEuropeanlegislation

wouldbelefttojudges?12?toParliament.TheLordChancellorsaidintroductionofthe

HumanRightsBill,which?13?theEuropeanConventiononHumanRightslegally?14?in

Britain,laiddownthateverybodywas?15?toprivacyandthatpublicfigurescouldgoto

courttoprotectthemselvesandtheirfamilies.

^Pressfreedomswillbeinsafehands?1G?ourBritishjudges,“hesaid.

Witnesspaymentsbecamean?17?afterwestwassentencedtolOlifesentencesin1995.Up

to19witnesseswere?18?tohavereceivedpaymentsfortellingtheirstoriestonewspapers.

Concernswereraised?19?witnessesmightbeencouragedtoexaggeratetheirstoriesin

courtto?20?guiltyverdicts［中国工商银行真题］

A.assure

B.confide

C.ensure

D.guarantee

15、资料：之后，经济学家Mr.X展望了中欧之间的商'也机遇，请根据下列资料回答问题。

Findingatrustworthysupplier

Thisisperhapsthemostmportantstepinyourimportbusiness.Aseriousanddependable

supplierminimizesanyconcernsonquality,trustanddisputes.

Thereareanumberofsourcingsiteswhereyoucanfindsuppliersfrommassivedirectories.To

findtherightonecanbealaborioustask,butyourworkcarbemadeeasierbygoingtositesthat

screensuppliersbeforetheyarelisted-likeGlobalSourcesOnline.Undertheir“verifiedsuppliers”

system,suppliersneedtohavetheircompanyinformationandcontactpersonverifiedandare

visited3timesin-personbeforebeingauthenticatedasa"verifiedsupplier”.Thisalsomeansif

youpickaexport-ready.

Onceyou'reincontactwithprospectivesupliers,addressallyourqualityconcernswiththeright

questions.Stateyourrequirementstosuppliersclearly-likeproductwarranty,keyspecificstions

andorderterms.Alternatively,somesupplierswillprovideproductsamplesifyouask,soyoucan

firsttestthemyourself.Ifyou'rehappywiththequalityofthissampleshipment,youcanorderin

bulk.Ifpossible,tryandattendasourcingfairtotestsamplesfreeofcharge.Mostsourcingfairs

areorganizedaroundthemeslike“Clothing&Garments"or'Electronics",sobuyerslikeyoucan

meetallthespecializedsellersoftheprodutsyouwant.

Factoryvisitsandinspections

China'sbusinessenvironmentischangingrapidly,andyou'dbesurprisedhowmuchfactoriescan

developinayear.Ifthisistoomuchtroubleforyou,considerappointingalocalagentor

third-partyquality(3PQ)firmtoinspectthefactoryonyourbehalf.Getsomeonewhospeaks

thelanguageandknowslocalbusinessconditionsenoughtomakeagoodjudgment.Mostagents

usuallychargebycommissionfromtheamountofgoodsyouimport,andalsoinspecttheoutput

beforeitgetsshipped.

Whatisthetargetreaderofthisarticle?()

A.Foreignentrepreneurs

B.Jobseekers

C.Freshgraduate

D.Companyemployees

16、Howquicklytheyaccomplishthistransferdependsnotonlyonhowsoontheantsagreeon

thebestavailablesitebutalsoonhowquicklytheycanthere.

A.stay

B.migrate

C.choose

D.prefer

17、各种账务处理程序的相同之处不包括（）o

A.登记现金、银行存款日记账的依据和方法相同

B.登记明细账的依据和方法相同

C.登记总账的依据和方法相同

D.编制会计报表的依据和方法相同

18xEverybodyshowedgreatrespecttotheolddoctor,whodevotedeverythinghehadto()

thepoorconditionsofthelocalhospital.

A.improving

B.improve

C.improved

D.beingimproved

19、资料：Asastartupfounder,mydailytasksincludeeverythingfromlong-termstrategic

planningtoapprovingteamoutingsandcompanycultureinitiatives.Dayafterday,things

inevitablycomeupthatneedtogethandledASAP.ButI'vealsolearnedthatifyoudon'thavea

strategyformakingtimeforthosebiggerambitionsandyourtrulyloftygoals,they'llsimply

nevergetdone.Andthatmeansyouwon'tmaketheprogressthat'sreallygoingtomoveyour

businessforward.

1.FINDYOURMOSTPRODUCTIVETIME

Faceit:Youaren'tcrankingoutworkatabsolutepeakproductivityfortheentireday.Instead,

therearelikelycertaintimeswhenyou'reatyourmostfocusedandothertimeswhenyour

energywanes.That'snormal.Maybeforyou,it'sbrightandearlyinthemorning,beforearyone

elsearrivesintheoffice,whenyoudoyourbestwork.Wheneveritis,identifythatchunkoftime

(evenifit'sonlyanhour!)whenyoufeelmostproductive,andthenreserveitonyour

calendarlikeyouwouldanyotherimportantmeeting.Youneedtoprotectthisblockoftimefrom

intrusion--itisn'toptional.Thatwayyou'reguaranteedtohavearegular;designatedperiodwhen

youcanatleastgetstartedonthosebiggerto-dos.

2.CREATEPHYSICALBARRIERS

Nobodyworksinavacuum.Weallhavetocollaboratewithotherstosomedegreeoranother.

Andit'sthepeopleweworkclosestwithwhomwetendtoputfirst-wewanttobereadily

availableiftheyneedournelp.Buttherearetimesyouneedtotuneoutthedistractionsand

focusifyou/regoingtogetanymeaningfulworkdone.

OneofthemosteffectivemethodsI/vefoundistoputphysicalbarriersbetweenus.Illwork

fromaconferenceroomorevenfromhomeonoccasionirordertogetsomeliteralspacefrom

peopleneeding“justonequickthing.”

Whatisthearticlemainlyabout?

A.Howtomanageyourtimewell

B.Howtoovercomedifferentchallengesintheoffice

C.Howtowincompetitionsandgetpromotions

D.Howtopreventdistractionsandfocusonbigissues

20、高尔基说："智慧是珠宝，如果用谦虚谨慎镶边，就会更加绚烂夺目。〃这表明()。

A.良好的科学文化修养有利于促进思想道德修养

B.良好的思想道德修养有利于促进科学文化修养

C.只要提高思想道德修养，就一定能提高科学文化修养

D.思想道德修养的提高与科学文化修养无关

21、资料：Largeindustrializedarenowinarecession.Whataretheprospectsforeconomic

recovery?

Thethreemostimportantindustrialeconomiesintheworldare,atthemoment,facing

enormousproblems.Germanyisstrugglingwiththecostofreunificationandisinrecession.

JapanisalsoexperiencingrecessionandtheUnitedStateshasalargebudgetdeficit.

Forecastersandanalystsfacequestionsabouttheprospectsofaneconomicrecovery.Hereare

someoftheirfindings:

TheelectionofanewpresidentoftheUnitedStatesgavehopetotherestoftheworld.IftheUS

recovered,therestoftheworldwouldfaceamorepromisingfuture.However,analystsnow

acceptthattheUSwillonlyrecoververyslowly.

Consumerandinvestorconfidenceisstilllacking.Largedeficitsanddecliningshort-terminterest

ratesmeanthereislittlescopeforeconomicstimulus.

TheJapaneseeconomy,afteryearsoftradeandbudgetsurpluses,isindeeprecessionandthe

growthratehassloweddownconsiderably.Germaneconomistshaveloweredtheirforecastsfor

economicgrowththisyear.TheloweringofGermaninterestratesmaybringsomerelieftoother

membersoftheEuropeanExchangeRateMechanism(ERM).However;Germany'simponance

asEurope'slargestexportmarketmaydecline.

However,insomepartsoftheworld,therearemorepositivesigns,particularlyinsomeLatin

AmericancountriesinSou:h-EastAsia.Analystssaysthat,aslongastherateofintereststays

abovetherateofgrowthatnationalincome,thentheratioofdebttoincomewillgetworse.

Fallinginterestrateshelptowardsovercomingthisproblem.Theybelieveitmaytakeseveral

yearsbeforethereisrealrecovery.However,advancesintechnologyareofferinghopeforthe

worldeconomy.

Findwordsorexpressionsintheabovearticlewhichhavethemeaningof“Theamountbywhich

somethingislessthanwhatisneeded"?

A.deficit

B.surpluses

C.decline

0.recession

22、一个历史事件可由若干事件构成，这一事件又可以由若干小事件构成，由此可以排除一

系列事件的等级或层次。下列选项符合上述说法的是（）。

A.经济全球化西欧一体化一欧元启用

B.《王位继承法》《权利法案》一光荣革命

C.原苏联的现代化道路一新经济政策一社会主义工业化

D.中途岛战役伏尔加格勒战役阿拉曼战役

23、资料:Anythingthataffectsthesmoothflowofinformationisknownasnoise.Thismightbe,

forexample,thelanguageused,aninappropriateuseoftechnologyorthedifferentlevelsofskill

andknowledgeofthesenderandreceiver.Forexample,everydayinthepressandonTV,

consumersarebombardedwithoftenconfusingorcontradictoryinformationaboutthehealth

benefitsorrisksassociatedwithdifferentfoods.Consumersmaynothaveenoughunderstanding

orinformationtojudgebetweenconflictingmessages.Itisthereforenotsurprisingthatnany

peopledonotheartheserressagesandswitchoff.

Acompanyhastoovercomeaconsiderableamountofdirectnoisecausedbytheearliernegative

pressarticles.Bynotrespondingtotheseimmediatelyorcorrectingwithfacts,consumersare

confusedandthecompanylosescredibilitywiththepressandthepublic.

Toachieveitsvisionandencourageconsumerstoeatturkeyallyearround,BMCompanyneeds

togivepeoplemoreinformationinawaytheycaneasilyunderstand.Ithasthereclosedto

highlightkeyfactsabouttheproductsasthefoundationformanyofitsmessages.

Whydon;tmanypeoplehearthemessagethatthecompanieswantthemtoknow?

A.becausetheymaynothaveenoughunderstandingorinformation

B.becausethemessagesarespreadonnewspapers

C.becausetheycaremoreabouthealthrisksassociatedwithdifferentfoods

D.notmentioned

24、2019年12月31日，A公司涉及的一项未决诉讼预计很可能败诉。若败诉，A公司需承

担诉讼费20万元并支付赔款400万元，但基本确定可从保险公司获得补偿80万元。2019

年12月31日，A公司因该项目诉讼应确认的预计负债的金额为（）万元。

A.320

B.340

C.400

D.420

25、---MustIwaittillyoucomeback?

-----No,you().

A.mustn't

B.needn't

C.can't

D.won't

26、2007年5月2日，吴某到某县郊区旅社住宿，拒不出示身份证件，与旅社工作人员争

吵并强行住入该旅社。该郊区派出所以扰乱公共秩序为由，决定对吴某处以300元罚款。下

列哪一说法是正确的？()

A.派出所可以自己的名义作出该处罚决定

B.派出所可以当场作出该处罚决定

C.公安机关无须将此决定书副本抄送郊区旅社

D.吴某对该罚款决定不服，应当先申请复议才能提起行政诉讼

27、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。

Thegovernmentistobanpaymentstowitnessesbynewspapersseekingtobuyuppeople

involvedinprominentcases?1?thetrialofRosemaryWest.

Inasignificant?2?oflegalcontrolsoverthepress,LordIrvine,theLordChancellor,will

introducea?3?billtha:willproposemakingpaymentstowitnesses?4?andwillstrictly

controltheamountof?5?thatcanbegiventoacase?6?atrialbegins.

InalettertoGeraldKaufman,ChairmanoftheHouseofCommonsMediaSelectCommittee.Lord

Irvinesaidhe?7?withacommitteereportthisyearwhichsaidthatselfregulationdidnot?

8Psufficientcontrol.?9?ofthelettercametwodaysafterLordIrvinecauseda?10?of

mediaprotestwhenhesaidthe?11?ofprivacycontrolscontainedinEuropeanlegislation

wouldbelefttojudges?12?toParliament.TheLordChancellorsaidintroductionofthe

HumanRightsBill,which?13?theEuropeanConventiononHumanRightslegally?14?in

Britain,laiddownthateverybodywas?15?toprivacyandthatpublicfigurescouldgoto

courttoprotectthemselvesandtheirfamilies.

^Pressfreedomswillbeinsafehands?16?ourBritishjudges,“hesaid.

Witnesspaymentsbecamean?17?afterwestwassentencedtolOlifesentencesin1995.Up

to19witnesseswere?18?tohavereceivedpaymentsfortellingtheirstoriestonewspapers.

Concernswereraised?19?witnessesmightbeencouragedtoexaggeratetheirstoriesin

courtto?20?guiltyverdicts［中国工商银行真题］

A.impact

B.incident

C.inference

D.issue

28、资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsof

planning,timeandsavings.

Somescaryfactsaboutretirement:

Morethan50%ofpersonsdonothaveenoughfinancesforretirement.

25%donotparticipateintheircompany'sretirementplan.

Theaveragepersonspends20yearsinretirement.

Herearesometipstohelpyouplancorrectly:

1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingwitha

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.

What'sthemainthemeofthepassage?

A.Howtofindagoodfinancialprofessional

B.Theimportanceofretirementplans

C.Thescaryfactsaboutretirement

D.Howtomakecorrectretirementplans

29、根据蒙代尔的国际收支政策配合理论，当某国处于国际收支顺差、国内经济膨胀的经济

状态时，应搭配财政政策和货币政策。()

A.紧缩性的；扩张性的

B.扩张性的：扩张性的

C.扩张性的；紧缩性的

D.紧缩性的；紧缩性的

30、All()isacontinuoussupplyoffueloil.

A.whatisneeded

B.thatisneeded

C.thethingneeded

D.fortheirneeds

31、TheInternetisextensivelyutilizedbystudentsforinformationtoundertaketheir

course-relatedtasksandassignments.

A.maintaining

B.evaluating

C.retaining

0.retrieving

32、不属于会计核算内容的是（）。

A.用盈余公积转增实收资本

B.处理本年度的亏损

C.将现金存入银行

D.制订下年度财务预算

33、把下列句子组成语意连贯的语段，排序最恰当的一项是（1

（1）使用语言，不仅要用的对，在语法上不出毛病，而且要力求用得好，要有艺术性，有

感染力，这就要运用语言的艺术，也就是讲究一点修辞

（2）有意用不符合语法常规的办法取得某种修辞效果是可许的，然而这只是偶一为之，并

且要有些特定的条件

（3）如果语言不符合语法，说都说不通，就没有什么好的修辞可言

（4）语言是用来传递信息、交流思想、表达感情的

（5）好的修辞，必然是符合语法规律的

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

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

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

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

34、Passage10

Withsomuchfocusonchildren'suseofscreensjt'seasyforparentstoforgetabouttheirown

screenuse.z/Techisdesignedtoreallysuckonyouin/saysJennyRadeskyinherstudyofdigital

play/anddigitalproductsaretheretopromotemaximalengagement.ltmakesithardto

disengage,andleadstoalotofbleed-overintothefamilyroutine//

Radeskyhasstudiedtheuseofmobilephonesandtabletsatmealtimesbygivingmother-child

pairsafood-testingexercise.Shefoundthatmotherswhosueddevicesduringtheexercise

started20percentfewerverbaland39percentfewernonverbalinteractionswiththeir

children.Duringaseparateobservation,shesawthatphonesbecameasourceoftensioninthe

family.Parentswouldbelookingattheiremailswhilethechildrenwouldbemakingexcitecbids

fortheirattention.

Infantsarewiredtolookatparents'facestotrytounderstandtheirworld,andifthosefacesare

blankandunresponsive—astheyoftenarewhenabsorbedinadevice—itcanbeextremely

disconcertingforthechildren.Radeskycitesthe/zstillfaceexperiment^devisedbydevelopmental

psychologistEdTronickinthe1970s.Init,a