2024年全国银行招聘之银行招聘综合知识考试重点黑金模拟题(详细参考解析)801

全国银行招聘考试重点试题精编

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!（参考答案和详细解析均在试卷末尾）

一、选择题

••

2：1、转让固定资产使用权取得的收入应计入（）。

由；A.手续费收入

4：B.其他业务收人

!C.营业外收入

：D.主营业务成本

2、（）theirexistingproblems,greatimprovementsweremadeinthecountry'sliteracyratesand

healthcaresystem.

A.Butfor

B.Forall

C.Aboveall

D.Exceptfor

••|3、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

凶电担诉讼费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

0芨年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

4、Thesnakefarmerssaidtheyhadbeenbitten,somebydeadlysnakes,andweresaved

byofanti-venommedicine.

A.injection

B.producing

C.infection

恬

0.consuming

5、边际报酬递减规律指以下哪一种现象？（）

A.资源是稀缺的，但某些资源比其它资源更稀缺

B.一国居民拥有的某种东西越多，他们获得更多这种东西的愿望就越低

C.当两种资源中的一种投入不断增加，而另一种资源数量固定时，边际产量先越来越大后

越来越小

D.当两种资源中的一种投入不断增加，而另一种资源数豉固定时，总产出最终减少

6、鱼缸中的水温恒定在24度左右。一个气泡缓缓从鱼缸的底部升起，到达水面用了4秒,

那么，在这个过程中，（）。

A.气泡的体积变小、吸收热量

B.气泡体积不变，不放出热量也不吸收热量

C.气泡体积变大，吸收热量

D.气泡体积不变.放出热量

7、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21口，人

民币汇率形成机制改革启动，开始实行以市场供求为基袖、参考一篮子货币政策进行调节、

有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双

向波动的格局，呈现稳中有升的态势。

根据上述资料，回答下列问题：

（）是指一国单方面将本币与某一关键货币或一篮子货币在钩，与之保持相对的固定汇率平

价，而本币对其他外币的汇率则随所盯住货币对其他外币汇率的波动而变动的汇率制度。

A.固定汇率制

B.浮动汇率制

C.盯住汇率制

D.有管理的浮动汇率制

8、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（）o

A.保持不变

B.将会下降

C.将会增长

D.无从判断

9、泰戈尔获得诺贝尔文学奖的时间是（）o

A.1923年

B.1913年

C.1915年

D.1918年

10、中国的文字发展历史源远流长，下列关于字体描述，说法错误的是（）。

A.在秦始皇统一中国后，推行的统一文字为小篆

B.小篆的创制是中国第一次系统的将文字书体标准化的过程

C.李斯的《泰山刻石》是小篆刻石的代表

D.张芝是东汉著名书法家，最擅长小篆

11、喀斯特地貌，是具有溶蚀力的水对可溶性岩石进行溶蚀作用等所形成的地表和地下形态

的总称。以下景观不属于喀斯特地貌的是（）＜.

A.云南昆明石林风景区

B.广西桂林山水

C.将乐县玉华洞

D.新疆克拉玛依魔鬼城

12、（）是指市场增长率低，而相对市场占有率高的产品。

A.金牛产品

B.瘦狗产品

C.明星产品

D.幼童产品

13、ActionAidalsoaccusesBritishFoodsusingitsbranchcompaniestoreduceitstaxesin

Africabymillionsofdollars.

A.in

B.of

C.for

D.to

14、资格I•:Somecompaniesaremorecreativeintheiruseofhistorythanothers.HSBC'sHistory

Wall,astrikingartinstallationatthebank'sLondonheadquarters,ismadeupof3,743images

drawnfromthebank'sarchivesandarrangedinchronologicalorder.

EventhisisdwarfedbyCocaCola,theAmericanclassics.InMay,CocaColaopenedanew

corporatemuseuminAtlanta,whichisexpectedtopullinmorethan1millionvisitorsannually,

AttractionsincludethefirstCokecanstogointospace,afunctioningbottinglineandatasting

lounge.

Thebenefitsofknowingyourcorporatehistorycanbeverypractical.Companiesoftenusetheir

historyasinspirationfornewproducts.Disneyconstantlyminesitsarchivesofoldfilms.

Carmakershaveoverhauledolddesignsforthemodernera:Volkswagen'sNewBeetleisan

obviousexample.

Butthebiggerpayofftendstobelesstangible—thatofforgingstrongerbondswitheasterners

andemployees.Agecanbyitselfconferasenseoftrustworthiness,brewersandbanksarefond

offlaunting（炫耀）theirdeeproots.JimGilmore,co-autho"of"Authenticity”,arguesthathistory

isalsovitalingivingcompaniesagenuinesenseofpersonality.Ritz-Carlton'suseofcobalt-blue

glassesinitshoteldiningroomscanbetracedbacktoBostoninthe1920s,forexample,where

windowglassthathadbeenimportedfromEuropeandturnedblueintheNewEnglandairwasa

symbolofwealth.Ratherthancommissioningdustybiographiestomarkanniversaries,Mr.

Gilmorebelievesthatfirmsshouldsearchthearchivesforinspiringstoriesofthiskind.

Youngercompaniescanusehistory,too.Beforegivinguptheiroldjobs,thefoundersofInnccent,

aBritishdrinksfirmformedin1998,soldaninitialbatchofsmoothiesfromamarketstallin

London.Theyaskedcustomerstoputtheiremptybottlesintooneoftwolabeledbinstoindicate

whethertheyshouldfocusontheirnewventureorsticktotheirdayjobs.Therest,astheysay,is

history.Thefirmnowusesthestorytoillustrateitsfolksyimage.

Whatdoestheunderlinedword“dwarfed“inParagraph2rrean?

A.Lesscreativebycomparison

B.Besmallerinsize

C.Becomemoremajestic

0.Nothingdifferent

15、“吾爱吾师，吾更爱真理〃此名言中的“师〃指的是（）。

A.泰勒斯

B.苏格拉底

C.柏拉图

D.亚里士多德

16、资*4：HappywoodspritesknowsthewaytoFenghuangcity.

HappywoodspriteswillholdabigpartyalongtheSpiritLaketonight

TheSpiritLakeislocatedinNorth-eastofhere

Thedensityoftreebranchesandleavescouldtelldirection.Generally,thedirectionthathas

Morebranchesandleavesisthesouth.

Accordingtoastrology,youcoulddeterminedirection.Firstly,youshouldfindtheadleBigDipper.

InthedirectionofthehandleyoucanfindPoiarisandthatdirectionisthenorth.

打开信封，里面是一个请柬

ArecitalofpoemsbyBarbieMariposathatretell

legendsfromthetribalcultureoftheSpiritLake.

AccompanimentbyHappywoodspriteswhowillbe

playingharpnativespiritLakeinstrumentsfrom

hisprivatecollection

Greenspinachsaladwithvinaigrettedressing

Creamofmushroomsoup

Grilledsalmonwithchoiceofeitherroastedsquash

orsteamedbroccoli

Lemonmeringuetart

Dinnerwillstartpromptlyatmidnightandend

beforesunriseisTreeHouseofSpiritLake.

FormalDressingrequires.

WhatwillHappywoodspritescontributetotheevent?

A.Dances

B.Poetry

C.Paintings

D.Music

17、资料：FromCoinstoCreditBankingThroughouttheAgesisaconcisehistoryofbanksandthe

bankingindustryfromancienttimestothepresent.JamesGallagher,whohasmadeacareerof

coveringfinancialnewsforseveralnewspapers,hasdoneacarefuljobofinvestigatinghissubject.

Althoughhepresentsthefactscarefully,Mr.Gallagherhasmadewhatcouldhavebeenadry

bookintoonethatisinterestingandenjoyable.Bytellingamusinganecdotesabouthistorical

figures,hemakesthemcomealive.Evenpeoplewhoarenotparticularlyattractedtothesubject

matterwillfindthisbookengrossing.

WhatmostlikelyisMr.Gallagher'sjob?

A.Banker

B.Librarian

CJournalist

0.Publisher

18、资料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflights

Friday,April11,2008

ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNews

AmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheis

taking"personalresponsibility"forthebadmaintenancethathasforcedthecarriertocancel

some3,000flightsthisweekforaircraftinspections.

MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,when

AmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-based

carrierhascanceled570flightsscheduledtoday.

“Irunthecompany."Mr.Arpeytoldreportersatanafternoonnewsconference//soifthere'sany

blametobehad,itismyfault,andItakefullresponsibilityforthis.”

Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectors

andengineersworkedtoensurethatthecarrier'sfleetof300MD-80jetswouldmeetFederal

AviationAdministration(FAA)regulations.

TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptions

tocontinueintotheweekend,althoughanairlinespokesmansaidSaturday'scancellationsshould

befewerthantoday's.

OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmore

than18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnesses

intherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.

TheFAAhassaidinrecentdaysthatitsenforcementhasn'tchangedorbecomestricter.But

SenatorKayBaileyHutchiscnsaidairlineshavetoldherthey'venoticeddifference.

“Thestandardisnowoeingvery,veryrigidlyenforcedandleewayisbeingtaken

away."Ms,HutchisonsaidJ'lcan'tsayifit'sfoodorbad.ButIknowthatit'schanged

Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;

duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.

TheFAAandSenatorKayBaileyHutchisonseemtodisagreeon.

A.theusefulnessoftheFAAregulationsforairlines

B.whethertheFAAstandardisbeingtakenaway

C.whetherFAAisenforcingitsregulationstoostrictly

D.thetotalnumberofflightsAmericanAirlines

19、科斯定理通常受到()的影响，使私人间无法达成协议。

A.管制

B.需求

C.价格

D.交易成本

20、Ihearmanyparentssayingthattheirteenagechildrenarerebellion.Iwishitwereso.Atyour

ageyououghttobegrowingawayfromyourparents.Youshouldbelearningtostandonyour

owntwofeet.Buttakeagoodlookatthepresentrebellion.ltseemsthatteenagersarealltaking

thesamewayofshowingthattheydegreewiththeirparents.Insteadofstrikingoutbravelyon

theirown,mostofthemaretryingtoseizeatoneanotherzshandsforsafety.

Theysaytheywanttodressastheyplease.Buttheyallwearthesameclothes.Theysetoffirnew

directionsinmusic.Butsomehowreasonforthinkingoractinginthus-and-suchawayisthatthe

crowdisdoingit.Theyhavecomeoutoftheircocoon—intoalargercocoon.

Ithasbecomeharderandharderforateenagertostandupagainstthepopularitywaveandto

gohisorherownway.Industryhasfirmlyopenedupateenagemarket.Thesedayseveryteenager

canlearnfromnewspapersandTVwhatateenagershouldhaveandbe.Andmanyoftcday's

parentshavecometoawardhighmarksforthepopularityoftheirchildren.AIIthisaddsupto

greatdifficultyfortheteenagerwhowantstofindhisorherownpath.

Butthedifficultyisworthgettingover.Thepathisworthfollowing.Youmaywanttolistento

classicalmusicinsteadofgoingtoaparty.Youmaywanttocollectrockswheneveryoneelseis

collectingrecords.Youmayhavesomethoughtsthatyoudon'tcaretoshareatoncewithyour

classmates.Wellgotoit.Findyourself.Beyourself.Popularrywillcome—withthepeoplewho

respectyouforwhoyouare.That'stheonlykindofpopularitythatreallycounts.

Accordingtothewriter,manyteenagersthinktheyarebraveenoughtoactontheirown,but,in

fact,mostofthem().

A.arenotsureofthemselves

B.havemuchdifficultyinunderstandingeachother

C.darenotdothings

D.areverymuchafraidofgettinglost

21、It/sstandardpracticeforacompanylikethisone()asecurityofficer.

A.employed

B.beingemployed

C.toemploy

0.employs

22、由于挤兑风波导致商业银行倒闭的风险属于()。

A.国家风险

B.流动性风险

C.法律风险

D.操作风险

23、中央银行降低再贴现率的结果是银行准备金（）。

A.增加

B.减少

C.不变

D.皆有可能

24、Manystateshave,amendedorrepealedlawstoimproveschoolnutrition.

A.instituted

B.organized

C.manufactured

D.enacted

25、Forthenewcountrytosurvive,()foritspeopletoenjoyprosperity,neweconomicpolicies

willberequired.

A.tonameafew

B.letalone

C.nottospeak

D.let'ssay

26、资料：Inasurvey,peoplewereaskedtochoosebetweentreatmentstosave600peoplefrom

dyingadisease.

Participantsjncludingphysicians,wereaskedtochoosebetweenacertainoutcomethat200

peoplewillbesavedandariskychoicewherethereisaone-thirdprobabilitythat600peoplewill

besavedandatwo-thirdsprobabilitythatnopeoplewillbesaved.

Inasecondexample,thegroupwereaskedtochoosebetv/eenallowing400peopletodieora

one-thirdprobablythatnobodywilldieandtwo-thirdsprobabilitythat600peoplewilldie.

Inbothexamples,thefirstchoiceshaveanidenticaloutcomeasdotheirsecondalternatives.But

facedwithsuchagravechoicepeopledidnotspotthesimilarities.Inthefirstexamplepeople

optedtosave200peopleoverthegambleoflosingpeopleandinthesecondexamplepeople

preferredthegambleoverthecertainoutcomeofkilling400people.

Whattheexperimentshowsisthatwordingcanhavepotentiallydangerousconsequences.Most

ofpeopletendtofeellossesmuchmorestronglythanthepleasureofmakingacomparablegain.

Inthesecondexample,morepeoplechoosetheoption()?

A.withaone-thirdprobabilitythatnobodywilldie

B.withatwo-thirdsprobabilitythatnobodywillbesaved

C.allowing400peopletodie

D.that200peoplewillbesaved

27、()outofthewindow,!sawabus.

A.Havelooked

B.Look

C.Beinglooked

0.Looking

28、Fordecades,farmersardenvironmentalistsinCaliforniahavebeenentangledinaover

lawsthatlimittheamountofwaterdivertedfromriversancstreamsforirrigation0

A.dispute

B.register

C.conflict

D.negotiation

29、公文处理应遵循的原则不包括()。

A.实事求是的原则

B.精简的原则

C.高效的原则

D.新颖的原则

30、Thesuspicionthattheservantisdishonesthasproved()true.

A.alltoo

B.tooall

C.muchtoo

D.toomuch

31、“我劝天公重抖擞，不拘一格降人才!〃出自()的诗句。

A.梁启超

B.龚自珍

C.康有为

D.林则徐

32、资料：HowdidTencenttakeWeChatsofaraheadofitsrivals?Theanswerliespartlyinthe

peculiaritiesofthelocalmarket.UnlikemostWesterners,manyChinesepossessedmultiple

mobiledevices,andtheyquicklytooktoanappthatofferedthenaneasywaytointegratethem

allintoasingledigitalidentity.InAmericamessagingappshadapotentcompetitorinthefcrmof

basicmobile-phoneplans,whichbandiedinSMSmessaging.Buttextmessageswerecostlyin

China,soconsumerseagerlyadoptedfreemessagingapp.Ande-mailnevertookoffonthe

mainlandthewayithasaroundtheworld,mainlybecausetheinternetcamelate;thatleftan

openingformessagingapps.

ButthebiggerexplanationforWechat'sriseisTencent'sabilitytoinnovate.ManyChinesegrew

upusingQQ,aPC-basedmessagingplatformofferedbyTencentthatstillhasover800m

registeredusers.QQwasacopyofICQ,apioneeringIsraeliMessagingservice.ButthenChinese

imitatorlearnedtothinkforitself.Spottingthecomingriseoftheinternet.Tencentchallenged

severalinternalteamstodesignanddevelopasmartphone-onlymessagingapp.TheQQinsiders

cameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanother

teamofoutsiders(fromajust-acquiredfirm)cameupwithWeixin.WhenTencentlaunchedthe

newappjtmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.

Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda"red

packetz/campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilyto

celebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwas

cleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanof

AndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,

ofteninrandomizedamounts.

Accordingtothepassage,thesuccessofWeixinmainlyattriautesto.

A.QQ'sstronguserbase

B.thelackofcompetitors

C.localmarketopportunityandinnovation

D.alloftheabove

33、下列说法错误的是（1

A.热水管往往比冷水管先被冻裂

B.高尔夫球上的微凹坑使作用于球上的空气阻力减小

C.自燃是由于材料内部的氧化使得材料的热量增加而引起的

D.材料能够燃烧是由于可燃材料富含一种叫“燃素〃的物质

34、政府的财政收入政策通过（）因素对国民收入产生影响。

A.政府转移支付

B.政府购买

C.消费支出

D.出口

35、Shesaidshe'sgonnathemdeadwithherbestdressandmake-up.

A.pat

B.rap

C.knock

D.kill

36、下列语句中，没有语病的一项是（）»

A.通过识别声音就可以判断出一个人是否感染了病毒，这听起来像是东方夜谭，但这也是

事实。

B.一把椅子，加上“人体工学〃四个字，就能卖三四千，甚至是八九千元，一万多元左右的

超级高价也不鲜见。

C.一百多个科研单位的技术骨干云集会场，就不同领域的问题展开了热烈的讨论。

D.金医生归来后，护士们蜂拥而至，热情地在办公室里向他问候。

37、资料：Whenweseewell,wedonotthinkaboutoureyesveryoften.Itisonlywhenwe

cannotseeperfectlythatwerealizehowimportantoureyesare.

Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes,Everythingelse

seemsblurry（=unclear）.Manypeoplewhodoalotofwork,suchaswriting,readingandsewing

becomenear-sighted.

Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefar

away,buttheyhavedifficultyinreadingabookunlesstheyholditatarm'slength.Iftheywantto

domuchreading,theymustgetglasses,too.

Otherpeopledonotseedearlybecausetheireyesarenotexactlytherightshape.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

38、资料：Faces,likefingerprints,areunique.Didyoueverwonderhowitpossibleforusto

recognizepeople?Evenaskilledwriterprobablycouldnotdescribeallthefeaturesthatmake

onefacedifferentfromanother.Yetaveryyoungchildorevenananimal,suchasapingeoncan

learmtorecognizefaces.Wealltakethisabilityforgranted.

Wealsotellpeopleapartbyhowtheybehave.Whenwetalkaboutsomeone'spersonalitywe

meanthewaysinwhichheorsheacts,speaks,thinksandfeelsthatmakethatindividual

differentfromothers.

Likethehumanfacehumanpersonalityisverycomplex.Butdescribingsomeone'speronalityin

wordsissomewhateasierthandescribinghisface.Ifyouwereaskedtodescribewhataniceface

lookedlike,youprobablywouldhaveadifficulttimedoingso.Butifyouwereaskedtodescribea

niceperson,youmightbegintothinkaboutsomeonewhowaskind,consideratefriendly,warm,

andsoforth.

Therearemanywordstodescribehowapersonthinks,feelsandacts.GordonAllports,an

Americanpsychologist,foundnearlyl8,000Englishwordscharacterizingdifferencesinpeople's

behavior.Andmanyofususethisinformationasabasisfordescribingortyping,hispersonality.

Bookworms,conservatives,militarytypes-----peoplearedescribedwithsuchterms.

Peoplehavealwaystriedtotypeeachother.ActorsinearlyGreekdramaworemaskstoshowthe

audiencewhethertheyplayedthevillain'sorthehero'srole.Infact,thewordspersonand

persoalitycomefromtheLatinpersona,meaningmask.Today,mosttelevisionandmoviecCtors

donotwearmasks.Butwecaneasilytellthegoodguysfromthebadguysbecausethetwotypes

differinappearanceaswellasinactions.

Theauthorismostprobablya

A.psychologist

B.behaviorist

C.writer

D.sociologist

39、哲学的党性倾向是指（）o

A.哲学的阶级性，在阶级社会为一定的阶级服务

B.唯物主义和唯心主义的根本对立与斗争

C.辩证法和形而上学的根本对立与斗争

D.可知论和不可知论的根本对立与斗争

40>Theunpleasantmemor/ofthedespairingshriekoftheprincessatthetrial()inmymindfor

days.

A.prolonged

B.insisted

C.rested

0.lingered

41、反映企业在某一特定日期财务状况的会计报表是()。

A.利润表

B.资产负债表

C.现金流量表

D.所有者权益变动表

42、借助于金融市场的交易组织、交易规则和信用制度，以及丰富的可供选择的金融产品和

便利的资产交易方式，为冬种期限、内容不同的金融工具互相转换提供了必需的条件，可降

低交易成本，便利金融工具实现交易的金融市场功能是()。

A.货币资金融通功能

B.优化资源配置功能

C.交易及定价功能

D.经济调节功能

43、资料：JobDescription

A+ENetworksCo-BrandedCreativeDepartmentislookingforamotivatedcandidatewith1-3

years'experiencetobepartofauniquedepartmentontheA&Ebrand.Theselectedcandidate

willbeworkingonco-brandedsponsoredentertainmentandbrandedpartnershipsforA&E

Network.

OurpreferredcandidatewillpossessapassionfortheA+Ebrandsandisknowledgeableof

co-brandededsponsoredentertainment.TheProductionCoordinatorwillbeavaluedteam

memberbyactingasGrandCentralandsupportingtheteam(internalandexternal)withall

logisticalneeds,suchascollectingassetstoproducespotsandkeepingtrackofalldepartment

activitiestosupporttheoverallworkflow.Therightcandidatewillhaveabalancebetweenbeing

detailoriented/organizedwhenitcomestotheproductionprocessanddeadlines,aswellas

havingthedesiretocontributetodevelopment.

WhichofthefollowingdepartmentdoesNOThaveconnectionswiththeCo-BrandedCreative

Department?

A.Sales

B.LegaIAffairs

C.Logistics

0,Marketing

44、下列选项中属于同业拆借的是（）。

A.甲银行为弥补信贷资金缺口从乙银行拆入一笔资金

B.甲银行融入资金投资房地产

C.甲银行在停止营业时发现资金收支不平衡向其他银行融入长期资金

D.甲银行内部分支机构之间的资金调度

45、资料：Specialneedsstudentscannotonlylearnfromregulareducationteachers,butcan

participateincollaborativelearningwithmainstreamstudentsaswell.Collaborativelearning

allowsstudentstoworktogetheringroupstocompletelessonsandassignments.

Anumberofeducatorswithinclusionclassroomsarerealizingthebenefitsofcollaborative

learningandspecialneedsstudentsbeingplacedinsmallgroupenvironmentswithregular

educationclassmates.Collaborativelearningallowsstudentstoconversewithoneanotherand

brainstormtogetherinordertofindsolutionstoproblemsortocompleteanassignmentThis

typeoflearningallowsstudentsofvaryingabilitylevelstolendtheirindividualstrengthstothe

groupasawhole,therebyencouraginganappreciationofdiverseideasandapproachesto

problemsolving.

Teacherscanchoosetoimplementseveraldifferenttypesofcollaborativelearningstrategies,

dependingontheneedsofstudentsandthefocusofspecificassignments.Examplesof

small-groupcollaborativelearningmethodsare:

1)TheThink-Pair-Sharestrategy,whichinvolveseachstudentinthegrouptakingoneminuteto

formulatearesponsetotheteacher'squestion,thensharingindividualfindingswithapartner.

Aftercollaboratinginpairs,studentscanthenshareinputwithslightlylargergroupsorwiththe

entireclass.

2)TheSimpleJigsawstrategy,whichinvolvesfour-personteamssplittingateacher-assignedtask

intoequalparts.Eachstudentinthegroupactsasan"expert"ononesectionoftheassignment

andmeetswithcorresponding"experts"inothergroupsfordiscussionandtaskmastering.

Studentsthenreturntotheirinitialteamstosharetheirknowledgeofthetaskwithother

members.

3)TheThree-StepInterviewstrategy,throughwhichstudentsinitiallybreakintopairsandtake

turnsinterviewingoneanotheraboutanassignment.Eachpairofstudentsthencombinewith

anotherpairinordertoenhancethediscussion.

4)TheNumberedHeadsTogetherstrategy,whereeachteammemberisassignedanumber,

theninstructedtocollaborateonaquestion.Theteacherthencallsanumberrandomly,andthe

studentineachgroupwhohasthatnumberactsasspokespersoninansweringthequestion.

Eachstudentmustbepreparedforthepossibilityofhavinghisorhernumberchosen.

Thebenefitsofcollaborativelearningandspecialneedsstudentshavingtheopportunityto

engageinsmallgrouptaskscanproducepositiveresultsinregardtoclassroomorganizationand

management.Teacherswhoresearchtipsoncollaborativelearningandimplementthepractice

withstudentsarelikelytohaveasuccessfulinclusionclassroom.

Whatisthemostdistinctfeatureyouthinkbytheterm“inclusionclassroom*?()

A.Itisdesiredforstudentswithspecialneeds

B.ltistutoredbyregularteachersformainstreamstudents

C.ltisplannedforcollaborativelearningbymainstreamstudents

D.lthasstudentswithspecialneedsandregulareducationclassmates

46、经济成本和经济利润具有以下特征（）o

A.前者比会计成本小，后者比会计利润大

B.两者都比相应的会计成本和会计利润大

C.前者比会计成本大，后者比会计利润小

D.两者都比相应的会计成本和会计利润小

47、Littlehelpseemstothedisaster-hitareasincetheexplosiontookplace3hoursago.

A.offer

B.havebeenoffered

C.beoffered

D.haveoffered

48、世界上最早出现的计算机互联网络是（）＜,

A.Internet

B.SNA

C.ARPAnet

0.Ethernet

49、银行的基本会计报表有：（）、资产负债表和损益表。

A.业务状况表

B.固定资产表

C.未分配利润表

D.新科目余额表

50、下面有关计算机的叙述中，正确的是（）o

A.计算机的主机只包括CPU

B.计算机程序必须装载到内存中，能执行

C.计算机必须具有硬盘才能工作

D.计算机键盘上字母键的排列方式是随机的

二、多选题

51、资料：China'sFosunhasofferedtobuyalmost17percentofMillenniumBCBPortugal's

largestlistedbank,andpotentiallyliftitsstaketo30percent,followingahavinginitsshareprice

intheyeartodate.

BCPsaidinaregulatoryfilinglateonSaturdaythatFosunIndustrialHoldingshadofferedto

pay?0.02ashare,equaltoFriday'sclosingprice,inaprivateplacementof16.7percentofthe

bank'ssharecapital.Accordingtothefiling,Fosunwasalsoconsideringincreasingits

shareholdingto”20-30percent”.

Fosun,oneofChinamostacquisitivecompanies,madeitsMillenniumBCPofferaweekafterit

agreedtopay$l.lbnfor86percentofIndiandrugmakerGlandPharma.Inrecentyears,ithas

alsosnappedupFrance'sClubMedandthetopPortugueseinsurerinEurope.

AnalystsdeemBCPtobeinneedofcapitalandvulnerabletoatakeoverafteritssharepricefell

from?0.05earlierthisyear,pushingitsmarketvaluetoalittleover?l.lbn.

InarecentreportonPortugal'sundercapitalistedbanks,whichareheavilyburdenedbybad

debts,BarclayssaidBCPcouldneedacapitalincreaseofabout?2bn.

OnFriday,thebankposteda?197.3mlossforthefirsthalfof2016,downfromaprofitof?240.7

forthesameperiodlastyear.ButitsaidthatstresstestsbytheEuropeanBankingAuthorityhad

shownithadsufficientcapitaltowithstandafinancialcrisis.Underthe