2024年全国银行招聘之银行招聘综合知识考试经典测试题详细参考解析

全国银行招聘考试重点试题精编

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一、选择题

••

2：1、我国《合同法》在要约的生效时间上采取的是（）。

田：A.发信主义

B.到达主义

C.以发信主义为主，到达主义为辅

：D.以到达主义为主，发信主义为辅

[2、下列会计基本假设中，（）是指企业会计确认、计量和报告的空间范围。

A.会计分期

B.会计主体

ic.持续经营

；D.货币计量

3、Theycouldgiveyouanationallyqualificationandtheexperienceyouneedtogetthejob.

A.recognized

凶ifeB.viewed

㈤封rAA

丰线C.regarded

;D.realized

4、资料：Thepersonalcomputerwasarevolutionininformationtechnologythatspawneda$50

billionhardwarebusiness,withanother$30billioninsoftwareandperipherals(eg.mouse,

keyboard,printer;etc.)b/1991.Duringitsshort15years,theindustryevolvedthroughthree

successiveperiods.Duringitsfirst5to6years,itwascharacterizedbyexplosivegrowthand

multiple,smallcompetitorsvyingforapieceofthemarket.From1981to1985,theindustry

becameabattleforstandardsandretailshelfspace.Thethirderawasoneofincreasing

fragmentation.From1986through1991-1992,newmanufacturersfromaroundtheworld

grabbedfromtheindustryleadersasnewchannelsofdistributionemergedandproduct

恬

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

5、（）是指按照当前市场条件，重新取得同样一项资产所需支付的现金或现金等价物金额。

A.重置成本

B.公允价值

C.历史成本

D.可变现价值

6、泰戈尔获得诺贝尔文学奖的时间是（）。

A.1923年

B.1913年

C.1915年

D.1918年

7、某商业银行正在进行《合同法》知识大赛，其中涉及借款合同，根据你对《合同法》的

理解，下列关于借款合问的说法中正确的是（

A.订立借款合同时，贷款人不得要求借款人提供担保，除非借款人自愿提供担保

B.借款人不得在还款期限届满之前向贷款人申请展期，即使贷款人同意，也不可以展期

C.贷款人未按照约定的日期、数额提供借款，造成借款人损失的，应当赔偿损失，借款人

未按照约定的口期、数额收取借款的，应当按照约定的日期、数额支付利息

D.借款人没有按照约定的借款用途使用借款的，贷款人可以停止发放借款，但不可以解除

合同

8、下列关于负债的说法，错误的是（

A.是由企业过去的交易或者事项所形成的

B.是企业承担的现时义务

C.预期会导致经济利益流出

D.一般将负债分为短期借款与长期借款

9、最广义的投资银行定义是指（

A.任何经营华尔街金融业务的银行

B.指经营一部分或者全部资本市场业务的金融机构

C.投资银行是指经营资本市场某些业务的金融机构

D.在一级市场上承销证券筹集资本和在二级市场上交易证券的金融机构

10、中国近代史上第一个不平等条约是（）。

A.《南京条约》

B.《马关条约》

C.《境辉条约》

D.《望原条约》

11、下列选项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（

A.科目日结单

B.日计表

C.总账

D.余额表

12、Whenyouwriteacheque,thebankwillyou2dollars.

A.cost

B.spend

C.save

D.charge

13、用汇编语言或高级语言编写的程序称为（）。

A.用户程序

B.源程序

C.系统程序

D.汇编程序

14、Thefactisthatisgiventoseniorityandmanypeoplewouldratherbethetailofalion

thantheheadofadog.

A.priority

B.focus

C.emphasis

□.attention

15、失业对社会稳定和经济健康发展都有十分严重的危害，为了对失业进行更深入地研究,

经济学按失业的原因将其分为不同类型，下列不属于经济学按失业原因分类的是（）。

A.摩擦性失业

B.结构性失业

C.放开性失业

D.周期性失业

16、电能是用途最广泛的能源之一，它属于（）。

A.二次能源

B.一次能源

C.不可再生能源

D.可再生能源

17、关于本票的说法，正确的是（）。

A.本票出票人资格必须由中国人民银行审定

B.本票的必须记载事项包括付款人

C.本票自出票日起，付款期限最长不超过1个月

D.本票是自付票据

18白居易在登上庐山时写下：“人间四月芳菲尽，山寺桃花始盛开。产生诗中景象的原因

是（）。

A.山地土壤贫瘠，桃树开花较迟

B.山地由于海拔高，气温低，桃树开花来得迟

C.山地云雾多，桃树开花来得迟

D.山地空气稀薄缺氧，桃树开花较迟

19>Whenweread,weconstructamentalofthetextinourminds,muchaswedowhen

wetookatanareaoflandandcreateamentalmapinourheads.

A.representation

B.imagination

C.interpretation

0.identification

20、资料：Whatifyouweretoldtherewasawayyoumaystrengthenyourcognitiveskillsand

heightenyourintelligence,andallyouhadtodowaswaslearntostrikeupbasicconversationsin

anotherlanguage?

Itprobablysoundsgreat,becauseifyou'relikemostyouwouldlovetobeabletospeakasecond

language.Butthen,yourecallyourexperienceinhighschoolforeignlanguage-boringtote

memorizationandlonghourswithlittleprogress-andperhapsitdoesn'tsoundsogoodany

more.

But,whatifyouweretolditwouldtakeonly10daystobeonyourwaytobecomingbilingual?

Mostpeoplerecognizethemanybenefitsoflearningaforeignlanguage:Youcantraveltoforeign

countriesandfellcomfortable,beamoreproductiveandenticingemployeeintoday's

competitivejobmarket,andimmerseyourselfinthevastculturesthatsurroundyou.

Butnow,thecollectiveevidencefromanumberofrecentstudiessuggeststhatthebilingual

experienceimprovesthebrain'sso-calledexecutivefunction-acommandsystemthatdirectsthe

attentionprocessesthatweuseforplanning,solvingproblems,andperformingvariousother

mentallydemandingtasks.

Theseprocessesincludetheabilitytoignoredistractionstostayfocused,switchingattention

willfullyfromonethingtcanothecandholdinginformationinthemind-likerememberinga

sequenceofdirectionswhiledriving.

Evenbetter,newapproachestolearningmeanyoucanlearnanewlanguagewithouttheendless

repetition,homework,andmemorization.Oneofthemostpowerfulactuallytrainspeopleto

startspeakinganewlanguageinaslittleas10days!Infact,it'ssopowerful,eventheFBIhas

purchasedit!

Wanttoknowmoreaboutthisamazingapproach?Clickhere!

Thoselearningaforeignlanguagemay.

A.seemmoreproductiveinthejobmarket

B.comfortablytraveltoforeigncountries

C.gettoknowdifferentcultures

D.alloftheabove

21、投资银行最本源、最基础的业务活动不包括（）。

A.证券发行与承销业务

B.证券经纪与交易

C.承销业务

D.风险投资

22、MustIwaittillyoucomeback?

No,you（）.

A.mustn't

B.needn't

C.can't

D.won't

23、下列哪种结算工具适用于异地先拿货款后发货的结算？（）

A.银行汇票

B.商业汇票

C.银行本票

D.支票

24、资/I•:ltzseasytotracetheevolutionoftheautomobile.Atmost,we7eonlytalkingabouta

fewcenturiesoftechnologicaldevelopment,andmostoftheplans,prototypesandmodelsare

stillaround.Withjustalittleresearch,youcaneasilytracethelatestmodelelectrichybridback

toitssteam-poweredancestors.

Yourfamilytreeisprobablyadifferentmatter.Evenanextensivegenealogychartcanonlyreach

backsofar,andmortalityputsaratherstrictlimitonexactlyhowmany“models“arestillonthe

road.Humanity/sevolutionaryprogressionisevenmoredifficult.Westillhaveplentyofliving

primaterelatives,butmaryofthelifeformsthatconnecttheevolutionarydotsarelongextinct.

Evolutionarybiologistsuseseveralmethodstodecipherexactlyhowwecametobeasweare.In

fact,thefielditselfencompassesseveraldifferentdisciplinesinadditiontobiology,likegenetics,

psychology,geology,archaeologylinguistics,anthropologyandprimatologyjusttonameafew.

Naturally,paleoanthropologyalsoplaysakeyrole,aswehavetoturntothefossilrecordfor

manycluesaboutourancientprimate,humanandnearlyhumanancestors.

Whilethefossilrecordbyitsverynatureisincomplete,there'snoshortageoffossilevidenceto

linktheplanet/svariedIreformsintoagreattreeoflife,achartthatscientistscalla

phylogenetictree.Youcanthinkofhumansastheverytipofjustonebranchonthattreecalled

“hominid."Chimpanzeesexistattheendofanadjoiningbranchcalled“panin."Followboththe

hominidandpaninbranchbackabout5.4millionyears,andyou'llfindapointwherescientists

thinkthetwoconvergedfromasingle,commonancestor.

Fossilevidencehelpsscientiststoreconstructthesetrees,butsodomorphologicalandgenetic

studlies.Geneticanalysishasyieldedstrikingsimilaritiesbetweenchimpsandhumans.Assuch,

scientistsknowalastcommonancestorofchimpsandhumansexisted,evenifwe'veyetto

determinetheexactspecies.Yetpaleoanthropologistshavefoundnumeroushominidfossilsto

bridgetheevolutionaryprogressionfromthatunknowncommonancestortomodernhumans.

ThesefindsincludesuchfamousEastAfricanfossilsasLucy(Australopithecusafarensis),which

strengthenedtheimportanceofbipedalisminhumanevolutionandprovedanessential

milestoneonourwaytomodernHomosapiens.

Fossilevidenceforhumanevolutionwillneverbecomplete,asfossilsthemselvesarerare

geologicoccurrences.Nevertheless,byincorporatingotherscientificdisciplines,we'reableto

buildanincreasinglyaccuratepictureofjustwhatourevolutionaryfamilytreeconsistedof.

Whatdoestheunderlinedword“bipedalism"refertoinPara.5?

A.Hominidandpanin

B.Chimpsandhumans

C.Walkingontwolegs

D.Morphologicalandgeneticstudies

25、资料：WhyisSaltBadforYou?

FRANKLECLAIR,a58-year-oldprovincialgovernmentemployeelivinginWinnipeg,hadncidea

thathisbloodpressurewastoohigh.Whileoutoftownlastwinter,hecamedownwithacold

andasorethroatanddecidedtoseealocaldoctor.

Apartfromcheckinghiscoldsymptoms,thedoctoralsogavehimageneralhealth-check.The

doctorfoundthatFrank'sbloodpressurewashigherthannormalandadvisedhimtoseehis

regularphysicianassoonashegothome.

LeClair'sphysicianreferredhimtotheWinnipegHealthSciencesCentre,wheredietitianstold

himthathemightbeabletocontrolhisbloodpressurebychanginghislifestyleratherthanby

takingdrugs.Peoplewithhighbloodpressurehavetocontroloreliminatefourelements:

smoking,drinking,foodquantitiesandsalt.LeClairdoesn'tsmokeordrink,butthereweresome

changeshecouldmakeintheothertwocategories.

Themostconclusiveevidencesofarthatahigh-saltdietisbadforyouisthe“Intersalt“study,

involving10,000peoplein32countries.Itmeasuredtherelationshipbetweenurinarysodium

excretion-adirectmeasureofsaltconsumption--andbloodpressure.Thestudyfoundthat

populationswiththelowestsodiumexcretionalsohavethelowestbloodpressures.

Recentstudieshaveshownthat“saltsensitivity“isamajorfactorintherelationshipbetweena

high-saltdietandhypertension.Andhypertensionisariskfactorfortwoofthebiggestkillersin

thiscountry:coronaryheartdiseaseandstroke.FrankLeClair'shighbloodpressurewas

discoveredbychance.Therearenowarningsymptoms--highbloodpressureisknownasthe

silentkiller.

Ahigh-saltintaketriggersaviciouscycle.Thosewhoareusedtoalotofsaltintheirfoodfind

theyneedincreasingamountstobeabletocontinuetotasteitsflavour-themoresalttheyeat,

themoretheywant.Itisalsoanaggravatingfactorinosteoporosisandiscloselylinkedto

stomachcancer.Ahighsaltintakecanbedangerousforpeoplewithconditionsthatare

aggravatedbyfluidretention,suchashepatitis,liverorkidneyproblems.

Recentresearchstudieshaveshownthat.

A.saltconsumptionleadstoastroke

B.sodiumexcretedinurineisameasureofsaltintake

C.anincreaseinbloodpressurecausesanincreaseinsaltconsumption

D.thehigherthesodiuminurine,thegreaterthechanceofhypertension

26、Passage6

Imagineyouwenttoarestaurantwithyourgirlfriend,hadaburger,paidwithacreditcard,and

left.Thenexttimeyougothere,thewaiterorwaitress,arrredwithyourprofiledata,greetsyou

with,"HeyJoe,howareyou,Maryisoverthereintheseatyousatlasttime.Wouldyouliketojoin

herfordinneragain?"Thenyoufindoutthatyourburgerhasbeencookedandplacedonthe

table.Forgetthefactthatyouarewithanotherdateandareonadietthatdoesn'tinclude

burgers.

Soundalittlebizarre?Tosome,thisistherestaurantequivalentoftheInternet.TheNet/sabilityto

profileyouthroughyourvisitstoandinteractionsatwebsitesprovidesmarketerswithan

enormousamountofdataonyou—someofwhichyoumaynotwantthemtohave.

Areyouawarethatalmosteverytimeyouaccessawebsiteyougetacookie'7UnfortunatelyJt's

nottheMrs.Field'srecipe.AcookieontheInternetisacomputercodesentbythesitetoyour

computer—usuallywithoutyourknowledge.Duringtheentireperiodoftimethatyouareatthe

site,thecookieiscollectinginformationaboutyourself,includingwhereyouvisit,howlongyou

staythere,andhowfrequentlyyoureturntocertainpages.

Whilethismaysoundscar/enough,cookiesaren'teventhelatestintechnology.Anewsystem

calll-librarianAlexa—namedafterthelegendarythirdcenturyB.C.libraryin

Alexandria,Egypt—doesevenmore.Whilecookiestrackwhatyouaredoingatonesite,Alexa

collectsdataonallyourwebactivities,suchaswhichsiteyouvisitnext,howlongyoustay

there,whetheryouclickonadvertisements,etc.Allthisinformationisavailabletomarketers,who

useittomarketmoreeffectivelytoyou.Notonlydoyounotgetpaidforprovidingthe

information,youprobablydon'tevenknowthatyouaregivingit.

WhichPofPthePfollowingPcanPbestPreflectPthePauthor'sPattitudePtowardsPcookiesPandPAIexa?

().

A.Doubtful

B.Approving

C.Welcoming

0.Optimistic

27、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

28、资料：Themarketisaconcept.Ifyouaregrowingtometoesinyourbackyardforsaleyouare

producingforthemarket.voumightsellsometoyourneighborandsometothelocalmanager

ofthesupermarket.Butineithercase,youareproducingforthemarket.Youreffortsarebeing

directedbythemarket.Ifpeoplestopbuyingtomatoes,youwillstopproducingthem.

Ifyoutakecareofasickpersontoearnmoney,youareproducingforthemarket.Ifyourfatheris

asteelworkeroratruckdriveroradoctororagrocer,heisproducinggoodsorservicefcrthe

market.

Whenyouspendyourincome,youarebuyingthingsfromthemarket.Youmayspendmoneyin

stores,supermarkets,gasstationsandrestaurants.Stillyouarebuyingfromthemarket.When

thelocalgrocerhiresyoutodrivethedeliverytruck,heisbuyingyourlaborinthelabormarket.

Themarketmaybesomethingabstract.Butforeachpersonorbusinessthatismakingandselling

something,itisveryconcrete.Ifnobodybuysyourtomatoes,itwon'tbelongbeforeyougetthe

message.Themarketistellingyousomething.Itistellingyouthatyouareusingenergiesand

resourcesindoingsomethingthemarketdoesn'twantyoutodo.

Whichofthefollowingwouldbethebesttitleforthepassage?

A.SellingandBuying

B.WhatIstheMarket?

C.EverythingYouDoIsProducingfortheMarket

D.WhattheMarketCanDoforYou?

29、高尔基说；“智慧足珠宝，如果用谦虚连慎镶边，就会更加绚烂夺日。〃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

30、远期汇率的期限一般为（）个月。

A.1〜6

B.3〜9

C.6〜9

D.6〜12

31、银行存款余额调节表中调节后余额不相等，说明企业或银行账面记录（）o

A.肯定有错误

B.肯定没有错误

C.一般有错误

»一般没有错误

32、Ninety-fourstudiesweredeletedbecausetheydidnot

A.theinclusioncriteria.

A.make

B.meet

C.put

D.keep

、按出票人不同，汇票可分为（

33）o

A.银行汇票

B.商业汇票

C.银行汇票和商业汇票

D.企业汇票和商业汇票

34、已知某企业本年目标利润为2000万元，产品单价为600元，变动成本率为30%,固定

成本总额为600万元，则企业的保利量为()。

A.61905

B.14286

C.50000

D.54000

35、资料：Imagineyouwenttoarestaurantwithyourgirlfriend,hadaburgeepaidwithacredit

card,andleft.Thenexttimeyougothere,thewaiterorwaitress,armedwithyourprofiledata,

greetsyouwith,“HeyJoe,howareyou?Maryisoverthereintheseatyousatlasttime.Would

youliketojoinherfordinneragain?"Thenyoufindoutthatyourburgerhasbeencookedand

placedonthetable.Forgetthefactthatyouarewithanotherdateandareonadietthatdoesn't

includeburgers.

Soundalittlebizarre?Tosome,thisistherestaurantequivalentoftheInternet.TheNet's

abilitytoprofileyouthroughyourvisitstoandinteractionsatwebsitesprovidesmarketerswith

anenormousamountofdataonyousomeofwhichyoumaynotwantthemtohave.

Areyouawarethatalmosteverytimeyouaccessawebsiteyougeta“cookie"?Unfortunately,

it'snottheMrs.Field'srecipe.AcookieontheInternetisacomputercodesentbythesiteto

yourcomputerusuallywithoutyourknowledge.Duringtheentireperiodoftimethatyouare

atthesite,thecookieiscolectinginformationaboutyourself,includingwhereyouvisit,howlong

youstaythere,andhowfrequentlyyoureturntocertainpages.

Whilethismaysoundscaryenough,cookiesaren'teventhelatestintechnology.Anewsystem

calll-librarianAlexanamedafterthelegendarythirdcenturyB.C.libraryinAlexandria,

Egyptdoesevenmore.Whilecookiestrackwhatyouaredoingatonesite.Alexacollectsdata

onallyourwebactivities,suchaswhichsiteyouvisitnext,howlongyoustaythere,whetheryou

clickonadvertisements,etc.Allthisinformationisavailabletomarketers,whouseittomarket

moreeffectivelytoyou.Notonlydoyounotgetpaidforprovidingtheinformation,youprooably

don'tevenknowthatyouaregivingit.

Whatcanbelearnedabout"Alexa"?

A.AIexaisnamedafteranancientheroinEgypt

B.Alexaisinstalledinlibraries

C.Alexacanprovideallthenecessaryinformationabouthistory

D.AIexacanprovidemoredatatomarketersthanacookie

36、Everyoneintheorganizationhasa(n)tothiskindofinformation.

A.access

B.right

C.try

D.look

37、2019年1-5月，中关村示范区规模（限额）以上高新技术企业实现总收入21615.1亿元，

比上年同期增长12.9%,增幅比1-4月提高0.2个百分点。主要运行情况如下：

重点高新技术领域保持增长。1-5月，中关村重点监测六大高新技术领域共实现总收入

17445.2亿元，占中关村总收入的80.7%。其中，电子与信息、、先进制造领域增势较好，比

上年同期分别增长14.7%和13.1%。

企业科技创新活跃。1-5月，中关村研发人员合计58.6万人，比上年同期增长1.8%,研究

开发费用合计866.8亿元，比上年同期增长17.9%o

2019年1-5月中关村示范区总收入及技术收入增速图

2019年1-4月份，中关村示范区规模（限额）以上高新技术企业比上年同期增长约（）。

A.12.9%

B.12.7%

C.13.1%

D.数据不足，难以得出

38、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

39、银行会计科目可分为（）。

A.表内科目和表外科目

B.资产负债共同科目

C.负债科目

D.资产负债科目

40、金融远期合约是一种（）。

A.买卖标的资产的权利

B.一定时期内发生的一系列现金交易

C.在集中场所交易的标准化合约

D.无固定场所的非标准化合约

41、下列选项中，对古文化常识描述错误的是（）。

A.古称兄弟间的老大为“伯”，古代兄弟间以伯、仲、叔、季为排行顺序，古人常在字前加

排行次序，如"伯离〃、"仲尼"、"叔向"、"季路〃等

B.垂转是古时对60岁以上老妇人的别称，转是指老人轻软披散的头发

C.古代位居方向有尊卑之称，如南向为胜、尊，以北向为败、卑；以东为主为首，以西为

从为次。后渐以“东家”为主人的代称

D.蛾眉，亦作“娥眉〃，古代美女的代称，“蛾眉”本为女子长而美的眉毛，代指女子美貌，进

而代称美女

42、2013年9月7日，（）击败西班牙马德里和土耳其伊斯坦布尔，最终成为2020年夏季

奥林匹克运动会的举办城市。

A.巴西里约热内卢

B.美届芝加哥

C.日本东京

D.阿根廷布宜诺斯艾利斯

43、属于银行自制的、无限期的、不可辨认的且不可转让的无形资产是指（）。

A.专营权

B.土地使用权

C.商誉

D.商标权

44、营业利润不包括以下哪项内容？（）

A.营业外收入

B.营业收入

C.投资收益

D.其他业务收入

45、thatthepilotcouldn'tflythroughit.

A.Thestormsoseverewas

B.Soseverewasthestorm

C.Sothestormwassevere

D.Suchwasthestormsevere

46、银行的营业收入不包括（）。

A.利息收入

B.金融机构往来收入

C.投资收入

D.其他营业收入

47、（）naturalresourcescanbeofgreatimportance,theyarenotnecessaryforaneconomyto

behighlyproductiveinproducinggoodsandservicesfortheexistingsocieties.

A.Yet

B.But

C.Afterall

0.Although

48.资兴1：Britainisfacinga“crisisoffatherlessnessMinwhichalmosthalfofallchildrenborn

todaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthe

thinktankfoundedbylainCuncanSmithhaswarned.

AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister;

arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenand

boostedcognitiveskillsincludingreasoningandlanguagedevelopment.

Cookclaimedtherewastoomuchofa“throwawayculture*,toparenting,adding:/zOverthelast

40years,themeteoricriseinfamilybreakdownhasblighted（损害）thelivesofthepoorest

childrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,how

welltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsas

adults.”

Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedtnata

cultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceof

parentingoncecoupleshadseparated/Weneedasocietalshiftinperspectivefromregarding

fathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild'slife."hesaid.

Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotential

impactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.

Histhinktank'sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenot

livingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.

Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educational

failure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,

headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,

Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthe

mosttalentedchildrenfrompoorerfamilies.

TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM's

povertyadviser,saidthehopeofthepreviousstrategywasto“startaparenting

revolutionfortoolongpoliticianslookedawayasfamilyinstabilityandpoorchild

developmentblightedlivesinthepoorestneighbourhoods^Parentswantwhat'sbestfortheir

children,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwe

wanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthy

relationships".

Cookimpliesthatthekeytothefightagainstpovertyis.

A.preferentialpoliciesforthepoorerchildren

B.morecomprehensiveresearchintoitscauses

C.headteachersgoodatinspiringtalentedchildren

0.solutionstotheconflictintheeducationsector

49、()是使得全球各地外汇市场的汇率保持一致的主要因素。

A.套汇活动

B.国际贸易

C.开放经济

D.资金流动

50、收入的确认应当满足的条件不包括()。

A.与收入相关的经济利益很可能流入企业

B.经济利益流入企业的结果会导致企业资产的增加或者负债的减少

C.收入是与所有者投入资本无关的经济利益的总流入

D.经济利益的流人额能够可靠地计量

二、多选题

51、未到期的定期储蓄存款，部分提前支取的，提前支取的部分利率的计算应按()。

A.活期储蓄存款利率

B.定期储蓄存款利率

C.整存整取存款利率

D.零存整取存款利率

52、Heappreciatedthechancetodeliverhisthesisintheannualsymposiumon

ComparativeLiterature.

A.tohavebeengiven

B.tohavegiven

C.havinggiven

D.havingbeengiven

53、交易双方同意在将来的某一特定日期，按事先规定好的价格买入或售出既定数量的某种

资产协议的金融工具，称之为()，它是一种场外交易。

A.金融期货

B.金融期权

C.远期合约

D.互换

54、资料：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwith

anegativeemployee.Theseworkersdon'tnecessarilyfallintothecategoryof“toxic,“butthey're

justkindofadragwiththeircynical,pessimisticworldview.lfyou'redealingwithanegative

employee,hereare3stepstotake.

FINDOUTWHY

Ifyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeen

behaviorchangesrecently.Isthenegativityaconstantorhasthebehaviorescalated?lfthe

latter,wasthereaneventthatleduptothechange?lndividualsintheworkplacelive

multi-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityand

mood.

InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchers

foundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagers

aresupportive.

DISCUSSGOALS

Whendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethe

discussioninthecontextoftheIndividual'sgoals/'Tonepolicing“whereyousimplypointout

pessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcause

moreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditional

training,perhapsinmanagementorcommunicationskillsztoovercomeadeficit.

ADDRESSISSUES

Adirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsor

circumstancesdrivingthebehavior.lfthereareworkplaceissuethatcanbesolved,considerdoing

soifitmakesense.Iftherearepersonalissuesthathavecausedanescalationinnegative

behavior;examinewhetheraccommodationscanbemadetohelpthepersonwhilethey'regoing

throughsuchchallenges.Someemployeesdon'thavegreatinterpersonalskills,andputtingthem

injobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbe

aneffectivesolution,too.

Itcanbeinferredfromthearticlethat

A.lfyourmanagerissupportive,youmightfeelmorepositive

B.Negativeemployeesaredevastatingtothecompany

C.Raisingsalarieswillmakeemployeesfeelpositive

□.Promotionsmeansagreatdealtotheemployees

55、国际收支平衡的基本目标一般不包括()。

A.进出口平衡

B.外汇储备增加

C.防止汇率变动

D.汇率稳定

56、-CouldyoutakeamessageforMrBrown?

—Certainly.l()himaboutsomethingelseinanycase.Soit()anybother.

A.maysee;isnzt

B.seejwon'tbe

C.willsee;isnzt

D.willbeseeingjwon'tbe

57>Passage5

Desertification,drought,anddespair-thatiswhatglobalwarminghasinstoreformuchof

Africa.Orsowehear.

Emergingevidenceispaintingaverydifferentscenario,oneinwhichrisingtemperaturescould

benefitmillionsofAfricansinthedriestpartsofthecontinent.Scientistsarenowseeingsignals

thattheSaharadesertandsurroundingregionsaregreeningduetoincreasingrainfall.If

sustained,theserainscouldrevitalizedrought-ravagedregions/eclaimingthemforfarming

communities.Thisdesert-shrinkingtrendissupportedb