2024年全国银行招聘之银行招聘综合知识考试经典测试题附答案

全国银行招聘考试重点试题精编

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一、选择题

1、下列对我国在高科技领域说法不正确的是（）。

A.发展航天事业可以促进我国经济的发展

B.高科技的竞争是综合国力竞争的实质

C.高科技的竞争仅是国力竞争的一方面，综合国力竞争的实质是军事力量

D.航天事业的发展，能够增强民族凝聚力

2、关于管理幅度与管理层次的说法，正确的是（),

A.管理幅度指的是组织结构的纵向复杂程度

B.管理层次与管理幅度在数量上成正比关系

C.管理层次的多少代表组织结构的横向复杂程度

D.管理幅度与管理层次是相互制约的

3、资料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaand

Europehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,

凶密hasconsolidateditspositionastheworld'sderivativescenter,andHouston,thelargestcityin

封

线Texas,ishometoAmerica'sbiggestenergyfirmsandhasspawnedanactiveclusterofenergy

tradersandhedgefunds.

Europehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoisland

havenssuchasJerseyandtonichemarketssuchasLuxembourgandDublin.Edinburg,an

establishedbankingcenter,isnowtoutingitselfasalow-costalternativeforfinancialoperations.

Amongthelargerhubs,Frankfurtisanimportantcenterforbankingandderivativestrading

throughEurex,aGerman-Swissexchange,withsignificantlylowercoststhanLondon.

Switzerland/stwinfinancialcenters,GenevaandZurich,havedonewellintheirspecialistsof

privatebanking,wealthmanagementandinsurance.Themainattractionsarelowtaxes,political

stabilityandareputationfordiscretion.UrsRothfromtheSwissBankersAssociationsays,

however;thatgivenItstinydomesticmarket,Switzerlandhashadtofightforopenmarketsonan

恬

internationalscale.

ParishaslonglaggedfarbenindLondon,doggedbyareputationforexcessiveregulationandhigh

taxes.ThenewgovernmentisawarethatsomeofFrance'sbestfinancialbrainshavecrossedthe

ChannelformorelucrativecareersinLondon.YetParishasmanyadvantages:alargenumberof

internationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.

IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParis

offersanattractivequalityoflifeandhasgoodtransportlinks.WhatmakesParisaplacetowatch

justnowistheNYSE'srecentmergerwithEuronext.Thecombinedgroupwillbaseits

internationalequitiesbusinessintheFrenchcapital.Euronext,whichoperatesexchangesinfive

Europeancountries,alsoillustratestheimportanceofacorrmonlanguage.

FinancialexecutivesaroundtheworldincreasinglyviewEuropeasasinglemarket.Soonanew

EuropeanrulecalledMiFID(MarketsinFinancialInstrumentDirective)isduetobe

implemented.Itaimstoincreasecompetitionamongandtransparencywithinfinancialmarkets.

Financiersinotherpartsoftheworldarewonderinghowtoachieveasimilardegreeof

cross-borderfinancialintegration.

WhichofthefollowingisNOTtrueaboutParis,accordingtothepassage?

A.MergerofNYSEwithEuronextmakesitthebiggestfinancialcenterinEurope

□.Theexcessiveregulationandhightaxeshaveaffecteditsfinancialdevelopment

C.Parishasmanyadvantagesthatmayhelpinitsfuturefinancialdevelopment

D.Parisoffersgoodqualityoflifeaswellasgoodtransportlinks

4、下面()不是计算机局域网的主要特点。

A.地理范围有限

B.数据传输频率高

C.通信延迟时间较低。可靠性较好

D.构建比较复杂

5、Itwasthetraining()Samhadatschool()madehimanexcellentrunner.

A.what;what

B.that;that

C.what;that

D.that;which

6、珠穆朗玛峰位于()。

A.中、巴边境

B.中、缅边境

C.中、尼边境

D.中、印边境

7、古希腊智者学派的出现，表明人类第•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

8、英国的大炮轰开了中国闭关自守的大门.使一些爱国知识分子从“天朝大国〃的梦幻中惊

醒，一•股新思潮萌发了。这一新思潮的核心是（）o

A.向西方寻求强国御侮之道

B.同西方展开“商战〃保护本国权益

C.与时俱进西方技术兴办近代工业

D.效法西方的君主立宪政治

9、下列账簿中，一般不需根据记账凭证登记的账簿是（工

A.日记账

B.总分类账

C.明细分类账

D.备查账

10、InMayof1826,thefair-hairedyouthwiththeazureblueeyes()forEuropetoturn

himselfintoascholarandalinguist.

A.setabout

B.setdown

C.setout

D.setup

11、资料：Whenweseewell,wedonotthinkaboutoureyesveryoften.Itisonlywhenwe

cannotseeperfectlythatwsrealizehowimportantoureyesare.

Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes.Everythingelse

seemsblurry(=unclear).Manypeoplewhodoalotofwork,suchaswriting,readingandsewing

becomenear-sighted.

Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefar

away,buttheyhavedifficultyinreadingabookunlesstheyholditatarm'slength.Iftheywantto

domuchreading,theymustgetglasses,too.

Otherpeopledonotseeclearlybecausetheireyesarenotexactlytherightshape.Theyhave

whatiscalledastigmatism.This,too,canbecorrectedbyglasses.Somepeople'seyesbecome

cloudybecauseofcataracts.Longagothesepeopleoftenbecameblind.Now,however,itis

possibletooperateonthecataractsandremovethem.

Havingtwogoodeyesisimportantforjudgingdistances.Eacheyeseesthingsfromasightly

differentangle.Toprovethistoyourself,lookatanobjectoutofoneeye：Thenlookatthesame

objectoutofyourothereye.Youwillfindtheobject'srelationtothebackgroundandother

thingsaroundithaschanged.Thedifferencebetweenthesetwodifferenteyeviewshelpsusto

judgehowfarawayanobjectis.Peoplewhohaveonlyoneeyecannotjudgedistanceaspeople

withtwoeyes.

Peoplewhosufferfromastigmatismhave.

A.adifficultythatcanbecorrectedbyanoperation

B.eyesthatarenotexactlytherightshape

C.aneyedifficultythatcarnotbecorrectedbyglasses

D.oneeyebiggerthantheother

12、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.

Thephrase“thepoolofcontributions^inthefirstparagraphmeans.

A.themoneypaidbytheinsurers

B.thecostofadministeringinsurance

C.themoneypaidbytheinsured

D.theamountofeachpremium

13、会计账簿包括()、明细账、日记账和其他辅助性账簿。

A.日计表

B.统计表

C.总账

D.余额表

14、Itwasabout100yearsagothisbeautifulclockwasmade

A.Neither

B.since

C.then

D.when

15、下列属于消费信用的是（)o

A.赊账

B.银团投资

C.直接投资

D.出口信贷

16、资料：Placingtherighttypeofworkersincloseproximitytoeachothercangenerateuptoa

15percentincreaseinorganizationalperformance»accordingtothestudyfromCornerstoneOn

Demand,aproviderofcloud-basedlearningandtalent-managementsoftware,andresearchers

atHarvardBusinessSchoolinMassachusetts.Forbusinesseswith2,000employees,this

translatesintoanadditional$1millioninprofiteachyear,thestudysaid.

Forthestudy,researchersexamineddatafromatwo-yearperiodofmorethan2,000employees

workingatalargetechnologycompanywithlocationsintheU.S.andEurope.Thestudy'sauthors

separatedworkersintothreedifferentcategoriesbasedontheworktheyproduced：

Productive：Theseemployeesareveryproductive,butdon'talwaysproducequalitywork

Quality：Theseworkersproduceworkofsuperiorquality,butaren/talwaysproductive.

Generalists：Theseemployeesareaverageintermsofbothproductivityandquality.

Theresearchersdefinedproductivitybyhowlongittakesanemployeetofinishatask*and

effectivenessbyhowoftenemployeesneedtoaskaco-wor<erforhelpcompletingatask.

What'sthemainideaaboutthefirstparagraph?

A.CornerstoneOnDemandisaproviderofcloud-basedlearningandtalent-management

software

B.Placingtherighttypeofworkerstogetherwillgenerate15%increaseinperformance

C.Smarterseatingcanaffectcompany'sperformance

D.Astudyabouthowafirmgetadditionalprofit

17、The()behindtheyellowtapeisprohibitedtoanyonewithoutapresspass.

A.positing

B.scenery

C.exterior

D.area

18、Thepropertywillbeshownbyonlyinanefforttoseparatethefansfromtheserious

buyers,becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact0

A.interest

B.interview

C.application

D.appointment

19、资料：TalkaboutChristmasinJuly.CarrieRochahasalreadystartedherholidayshopping.ZZA

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.

WhichofthefollowingisonewaythatRochausedtolivethroughherfinancialcrisis?

A.Buyasmanycheapitemsaspossible

B.Getloansfromdifferentbanks

C.Publishherownbookstopayoffthedebt

D.Getpreparedforholidaysasearlyaspossible

20、下列语句排序最为通畅的一项是()。

(1)同时，关于这一发现的两篇论文的未编辑版在学术期刊《自然》上线。

(2)但是，该科学团体所发表论文中并未给出任何与外星生命相关的推测。

(3)近日，一个由加拿大科学家领导的科学团体探测到了太空中重复的快速射电暴，它产

生于15亿光年之外。

(4)很多媒体和自媒体行此进行报道解读，有些认为这可能是“外星生命的证据”“外星文明

发的信号

(5)他们仅表示，由于之前仅有一次探测到重复性爆发，因此很难得出(T.何结论，而再度

发现重复性爆发意味着这种现象很可能并不像之前想象的那样罕见。

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

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

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

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

21、国务院总理温家宝2012年3月5日向十一届全国人大五次会议作政府工作报告时提出，

2012年中央财政已按全国财政性教育经费支出占国内生产总值的()编制预算，地方财玫

也要相应安排，确保实现这一目标。这意味着该目标自1993年提出以来我国有望首次实现

这一承诺。

A.3%

B.4%

C.2.8%

D.3.5%

22、Itsstandardpracticeforacompanylikethisone()asecurityofficer.

A.employed

B.beingemployed

C.toemploy

0.employs

23、下列调查中，最适合采用重点调查的是()<.

A.了解全国钢铁生产的基本情况

B.了解全国人口总数

C.了解上海市居民家庭的收支情况

D.了解某校学生的学习情况

24、在下列有关账项核对中，不属于账账核对的内容是()。

A.银行存款日记账余额与其总账余额的核对

B.银行存款日记余额与银行对账单余额的核对

C.总账账户借方发生额合计数与明细借方发生额合计数的核对

D.总账账户贷方发生额合计数与明细贷方发生额合计数的核对

25、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。

Theword“globalization“isindailyusethroughouttheworld.Variouslyreferredtoas

mondialisationinFrench,globalisierunginGerman,orQuanquihuainChina(Scholte,1996),

newsarticles,television,andeventextbooksoftenusetheword“globalization“tomeanmany

differentthings.AuthorJanPieterse(1995)assertstherearealmostasmany

conceptualizationsofglobalizationastherearedisciplinesinthesocialsciences.Teachersand

scholarsindisciplinessuchasmanagement,marketing,finance,accounting,andeconomicsalsouse

theword“globalization"tomeandifferentthings.Forexample,somebelieveglobalizationisthe

absenceofbordersandbarrierstotradebetweennations(Ohmae,1995),butalsoithasbeen

describedasashiftintraditionalpatternsofinternationalproduction,investment,andtrade

(Dicken,1992).

Anotherpopularconceptionofglobalizationisthatitisabusinessstrategythatmeansdoing

everythingthesameeverywhere(KanterandDretler,lS98).Othersbelieveglobalizationis

interconnectionsbetweenoverlappinginterestsofbusinessandsociety(Brown1992;renesch

1992).Asyoucansee,thesedefinitionsdifferinsignificantways.Because

definitions,descriptions,andvisionsofglobalizationvarywidelyjtisdifficulttoknowwhatit

meansforbusinessestogo“global".

Whichofthefollowingstatementaboutglobalizationhasnoreference?()

A.GIobalizationisabusinessstrategythatmeansdoingeverythingthesameeverywhere

B.GIobalizationisashiftintraditionalpatternsofinternationalproduction,investment,and

trade

C.Globalizationisinterconnectionsbetweendifferentinterestsofbusinessandsociety

□,Globalizationistheabsenceofbordersandbarrierstotradebetweennations

26、Anentrepreneur^productorservicemustsoundandmarketable,enoughto

convincepeopletobecomeinvestors.

A.sustainable

B.feasible

C.probable

0.eligible

27、某储户于2001年1月18日存入5000元定活两便储蓄存款，于2003年8月6日支取，

实付利息为()<.(三年期活期存款利率2001年为25%,2003年为98%)

A.121.17元

B.121.28元

C.121.187E

D.124.18元

28、同城票据交换中，提人行提回借方票据时，应贷记（）。

A.待清算票据款项

B.存放中央银行款项

C.活期存款

D.其他应收款

29、同业拆借业务中，拆入银行拆入资金时应借记的科目是（）。

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

30、在民事诉讼时效期间的最后6个月内，权利人因不可抗力或者其他障碍不能行使请求权

的，诉讼时效（）。

A.中断

B.中止

C.延长

D终止

31、Ihavebeenlookingyourkindreply.

A.outfor

B.downon

C.inon

□.forwardto

32、我国现阶段的货币政策采用（）公式来考量M2增速是否适宜。

A.M2增速=GDP增速+CPI+1%

B.M2增速=GDP增速+CPI+2%

C.M2=GDP增速+CPI

D.M2=GDP增速+CPI+1%至2%

33、洋务运动始于（）。

A.19世纪30年代

B.19世纪50年代

C.19世纪60年代

D.19世纪90年代

34>资格I•:Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.

Sittingintheofficesleepdeprivesit'sdifficulttorememberyourownname,letalongthe

ever-lengtheningto-dolist.

Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwill

actuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroup

ofparticipantstogetafullnights'sleepwhileanotherhadtostayupallnight.Inthemorning

theyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,

bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitness

statementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.For

example,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthe

witnessstatementitsaidheputitinhispants(that's'trousers'forBritishpeoplenothis

underwear!).Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.The

resultsshowedthatthosev/ho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethe

falseeyewitnessstatementsthey'djustreadratherthanrememberingthe'true'crime-scene

photosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheads

totheextentthealltheevidence-rightandwrong—hadgotmixedup.

Oneofthestudy'sauthors,KimberlyFenn,said:wPeoplewhorepeatedlygetlowamountsof

sleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemory

distortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,a

preliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocause

peopletostartmanufacturingfalsememories.

Whatistheindependentvariableinthestudy?

A.Thememorydistortion

0.Theamountofsleep

C.Theshort-termmemory

D.Theabilitytorecalllonglist

35、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在()

以内的中短期债券。

A.六个月

B.一年

C.两年

D.三年

36、()会增加失业。

A.退休工人的数量增加

B.退休劳动力队伍的人数增加

C.离开学校找工作的人数增加

D.离开工作上学的人数惮加

37、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()。

A.保持不变

B.将会下降

C.将会增长

D.无从判断

38、Provisionofmedicalcareisclassifiedintoprimary,secondary,andcarecategories.

A.third

B.three

C.tertiary

D.thethird

39、资料,：JobResponsibilities:

1.EntersIEPdataintointernaldatabase

2.Reviewstherapistssessionnotesforaccuracyandfilestheminstudentcharts

3.Preparesandsubmitsmonthlystatistics(attendance,mealcounts)toexpeditemeal

reimbursementunderCACFP

4.EntersstudentdataontoCMRandpreparesmonthlyrosterforsubmission

5.EnterchildrenintoPre-Krideranddoesupdatestosystemasneeded

6.Assistswithpreparationofannualreviews,sortingreportsandmailingpacketstodistricts

7.Preparesandrevisesschoolformsincludingrosters,classlists,stafflists,monthlycalendars,

formletters,schedules,etc.

8.Assistswithfiredrillsbytimingtheevacuationandmaintainingappropriaterecordstoensure

procedurepolicycompliance

9.Maintainsdailystaffattendancerecords,preparesbi-weeklytimecards,trackspersonal,comp,

sickandholidaytime

10.Tracksandmonitorsthedaycareprogramfortimelysubmissionofpaymentsandcontracts

duringFallandSummerterns

11.TracksenrollmentforUPKprogramperschoolyear

12.Providessecretarialsupporttoensuresmoothflowofoperationsby:

a)Typingalladministrativeandconfidentialreports,memosandcorrespondence

b)Maintaininginventoryofofficeandcleaningsuppliesbysubmittingorderswheninventoryis

low,trackingordersandreceivingorderswhensuppliesaredelivered.

c)Servesasthereceptionisttoreceiveanddirectphonecalls,takemessages,screenanddirect

visitorsReceiveandsortallincomingmail,packagesanddeliveries.

d)Maintainsschooladministrativefilesbyfilingcorrespondence,schoolforms,memos,budgets

immediatelyuponcompletion.

e)Maintainsofficeequipmentinworkingorderbycontactingrepairpersonnel.

Education:HighSchoolDiploma/GEDwithsecretarialTraining

Experience:5yearssecretarialexperience

Skills:Typing65wpm,excellentreceptionistskills,excellentinterpersonalskills,congenialphone

manner,computerliteracy,significantknowledgeofbookkeeping.BilingualSpanish/English

helpful.

WhichofthefollowingisNOTincludedintheschoolforms?

A.monthlycalendars

B.stafflists

C.classlists

D.healthforms

40、银行固定资产科目的余额在()。

A.借方

B.贷方

C.收方

D.付方

41、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：

O是指由股份有限公司签发的用以证明股东所持股份的凭证，它表明股票持有者对公司的

部分资本拥有所有权。

A.股票

B.证券

C.债券

D.投资基金

42、Ninety-fourstudiesweredeletedbecausetheydidnot

A.theinclusioncriteria.

A.make

B.meet

C.put

D.keep

43、资料：Earlierthismonth,presidentsBarackObamaoftheUSandXiJinpingofChinamadean

importantsymbolicgesturewhentheycommittedtheircountries,thetwolargestgreenhouse

gasemitters,totheParisclimateagreement.Itwastheclearestsignalyettoinvestorsworldwide

thattheyneedtothinkabouttheimplicationsofglobalwarmingfortheirportfolios.

OnFridayafternoontherewasanexampleofwhatthatmightmeanMrObama'sadministration

issuedanordertemporarilyblockingconstructiononasectionoftheDakotaAccessoilpipeline.

ThemovewasaresponsetolocalconcernsraisedbytheStandingRockSiouxTribeabout

potentialdamagetohistoricsitesandthethreatsofoilspills.Butitistheglobalissueofclimate

changethathadraisedtheprofileofDakotaAccess,makingitintoacausecelebreforUS

environmentalcampaigners.BillMcKibbenof350.org,whichplayedakeyroleinthesuccessful

efforttostoptheKeystoneXLpipelinefromCanada,hassuggestedthatMrObamacouldblock

DakotaAccesspermanently,onthegroundsthatitwouldexacerbatethethreatofclimate

change.

Lastmonth,theWhiteHouse'sCouncilonEnvironmentalQualityissuednewguidanceforfederal

agencies,makingclearthattheirdecisionsshouldtakeintoaccount“thepotentialeffectsofa

proposedactiononclimatechange”,andquantifytheirconsequencesforgreenhousegas

emissions.DakotaAccessisintendedtocarrycrudeoil1,172milesfromNorthDakota,acentre

oftheUSshalerevolution,toIllinois,enroutetorefineriesaroundAmerica.Thecasethatit

wouldaddtoglobalgreenhousegasemissionwillbehardertomakethanforKeystoneXL,which

wouldhavebroughtcrudefromthehigh-emittingoilsandsofwesternCanada,butthe

campaignersarecertaintotry.

IfDakotaAccessisstopped,itwillhaveasignificantimpactnotjustonenergyTransferPartners,

thecompanyleadingtheproject,butonallNorthDakotaoilproducersandtheircustomers,who

willbeforcedtousemoreexpensiverailtransport.

Climatechangeisnowanunavoidablebusinessissue.Inanexcellentpaperlastweek,BlackRock,

theworld'slargestfundmanager,setoutsomeofthewaysthatinvestorscanreducetheir

exposuretotherisksandbenefitfromtheopportunitiesthatitcreates.Thepaperisalandmark

intherisingawarenessoftheissueamongmainstreaminvestors.Itisonethingwhena

philanthropicfundwithassetsofafewhundredmilliontakesastandonclimateissues,quite

anotherwhenthewarningscomefromacompanywithabout$4.9tnundermanagement.As

BlackRockpointsout,investors7personalviewsonclimatescienceareirrelevant.Enough

governmentsandbusinessesareconvincedbythescientificconsensusthatthethreatisreal,and

aredrivingregulatoryandtechnologicalchangesthatinterestedinyou.

/\Iftheworldistoreducetheriskofcatastrophicglobalwarmingtoacceptablelevels,therewill

havetobeahugereallocationofcapitalawayfromfossilfuelsandtowardlow-emissionenergy

sources.Thatshifthasbegun,butitneedstogomuchfurther.Thetransitionisnot

straightforward:foraslongasoilisthelifebloodoftheworld'stransport,pipelineswillbe

needed.ButwheninvestorsandboardsmakedecisionsaboutprojectslikeDakotaAccess,they

willhavetoconsidertheirimpactongreenhousegasemissions.Thefinancialconsequencesof

climatechangecannolongerbeignored.

IfDakotaAccessisblockedpermanently,whowillbeimpactedexcept().

A.Thecompaniesthatcarryouttheproject

B.Environmentalcampaigners

C.NorthDakotaoilproducers

0.Consumers

44、下列经济行为中属于间接融资的是()。

A.公司之间的货币借贷

B.国家发行公债

C.商品赊销

D.银行发放贷款

45、IcannotthinkofanythinghappenedthatdaywhichIwouldhavewishedotherwise.

A.what

B.who

C.that

D.which

46、Itisveryimportantthatthetextisneithertoodetailed___toocomplexfortheintended

readers.

A.nor

B.or

C.no

D.not

47、Itprovidesthatnostatemay"anypersonoflife,libertyorproperty,withoutdue

processoflaw/

A.deprive

B.derive

C.dispatch

D.discharge

48、（）要求企、也应当以实际发生的交易或者事项为依据进行确认、计量和报告，如实反映符

合确认和计量要求的各项会计要素及其他相关信息。

A.可靠性

B.可理解性

C.实质重于形式

D.重要性

49、Tom!You（）onthephonejustnow,butyou（）in.

A.wanted,were

B.arewanted,are

C.werewanted,weren*t

D.called,aren't

50、下列关于公文分类的说法正确的是（〉。

A.《党政机关公文处理工作条例》按适用范围将公文分为17种

B.按公文的来源。可分为收文和发文两种

C.按涉及机密的程度，保密公文分为绝密件、秘密件、普通件

D.按办文时限要求，分为紧急件、加急件、平件

二、多选题

51、“豆蔻”指女子（）岁。

A.20

B.13

C.15

D.16

52、资料：之后，经济学家Mr.X展望了中欧之间的商业机遇，请根据卜.列资料回答问题。

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