2024年全国银行招聘之银行招聘综合知识考试创新思维题（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、Weallhopethatneweconomicplanofyours()miracle.

A.isworking

B.works

C.willbeworking

0.worked

2、Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsare

imaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.

Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,and

stillothersarefrightening.

Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleabouta

dreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhis

dreams.

Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappens

凶密tohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.

封

线Peopleseeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Most

dreamsoccurincolor.Butpersonswhohavebeenblindsinesbirthdonotseeatallindreams.

Dreamsareaproductofthesleeper'smind.Theyhaveincludedeventsandfeelingsthathehas

experienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesof

thedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesor

fears-especiallythoseheldsincechildhoodoftenappearindreamlandmanydreamsfulfilsuch

wishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofa

dream,buttheydonotcausedreams.

Somedreamsinvolvedeepfeelingsthatapersonmaynotrealizehehas.Psychiatristsoftenuse

materialfromapatient'sdreamstohelpthepersonunderstandhimselfbetter.

Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.People

恬

whogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousand

restless.

Accordingtothepassage^reamsresultfrom（）.

A.thesleeperzswishes

B.thesleeper'simagination

C.thesleeper'sfeeling

D.thesleeper'sownmind

3、组织结构三要素不包括（

A.虚拟化

B.规范化

C.集权化

D.复杂化

4、国务院常务会议决定，自2011年7月1日起启动城镇居民社会养老保险试点工作，2011

年试点范围覆盖全国60%的地区，2012年（）。

A.覆盖80%

B.覆盖85%

C.覆盖90%

D.基本实现全覆盖

5、Passage1

Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructed

the17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar;rentan

apartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarket

game",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthe

disastrousfallof2008."Ourpretendinvestmentscrashed,“Raysays,stillfrightened."Wegotto

knowhowitfelttolosemoney."

Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywantto

teach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teaching

studentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit's

tooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-finance

classeshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystates

includingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduate

fromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclasses

forkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowoffercnline

personal-financeclassesforincomingstudents."Theseclassesreallysay/Thisishowyoulive

independently,"'saysTedBeck,presidentofNationalEndowmentforFinancialEducation.

Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basics

approachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalary

intoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-term

gains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurant

intoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutso

easytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."

Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalso

wantstudentstothinkhardabouttheirfinanceslongterm.lt'seasyforteenagerstogetanroyed

aboutgaspricesbecauserranyofthemdrivecars.Butthehardpartisurgingthemtoputoffthe

instantsatisfactionofbuyinganewT-shirtoraniPod."Invest!ngandretirementaren'tthings

teenagersarethinkingabout.Forthem,thefutureisthisweekendj'saysGayleWhitefeld,a

businessandmarketingteacheratUth'sRivertonHighSchool.

That'sabiggoalforthesedasses:preventingkidsfrommakingthesamefinancialmisstepstheir

parentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehas

increasedupto4.2percent,that'sstillafardistancefrom1982,whenAmericanssaved11.2

percentoftheirincomes.'lt'shardforschoolstoreachstrictmoney-managementskillswhen

teenagersgohomeandwa:chtheirparentsincreasecredit-carddebt.ltsliketellingyourkidsnot

tosmokeandthenlightingjpacigaretteinfrontofthem/Becksays.

Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolis

worthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocal

bankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollegershejusthas

abetterunderstandingofmoneyandhowitaffectstheworld/sayshermother,Darleen-and

that'ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AIIofthis

talkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.

Accordingtothepassage,takingmoney-managementcourseswill（）.

A.betterstudents'learningmethods

B.preventstudentsgoingintodebt

C.helpstudentsgetacceptedbycolleges

D.makestudentsbecomeverywealthy

6、记账以后，如果发现账簿记录的错误，是因记账凭证中的应借、应贷会计科目或记账方

向有错误而引起的，应用［）进行更正。

A.借贷登记法

B.补充登记法

C.划线更正法

D.红字更正法

7、区分不变资本和可变资本的依据是（）。

A.资本各部分的流通形式不同

B.资本的不同部分在价值增值过程中起不同的作用

C.资本各部分价值转移的方式不同

D.资本各部分有不同的实物形式

8、分子生物学的研究表明（）。

A.细胞是遗传信息的载体

B.细胞核是遗传信息的载体

C.DNA是遗传信息的载体

D.细胞壁是遗传信息的载体

9、资料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflights

Friday,April11,2008

ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNews

AmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheis

taking“personalresponsibility“forthebadmaintenancethathasforcedthecarriertocancel

some3,000flightsthisweekforaircra代inspections.

MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,when

AmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-based

carrierhascanceled570flightsscheduledtoday.

"\runthecompany."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/zMs,Hutchisonsaid.'lcan'tsayifit'sfoodorbad.ButIknowthatit'schanged/

Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;

duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.

Whatsituationisbeingreportedinthepassage?

A.AmericanAirlinesistryingtomeettheFAAregulations

B.AmericanAirlinesiscanceling570flightstoday

C.AmericanAirlinesisblamingitsCEOGerardArpey

D,AmericanAirlinesismakinginternalinspections

10、民法调整()的人身关系和财产关系。

A.平等主体的公民之间、法人之间、公民和法人之间

B.法人之间

C.公民和法人之间

D.公民之间、法人之间、公民和法人之间

11、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

12、Inhernewly-publishedbookJudyindicatesthatwomenhavebeenpoliticallydis-empov/ered

()humanhistory.

A.across

B.throughout

C.over

D.within

13、如果本国货币升值，则()。

A.直接标价法汇率数值减小

B.直接标价法汇率数值增大

C.汇率变化方向不确定

D.间接标价法汇率数值减小

14、专案审计时，对被审计单位长期挂账的往来账户应采取()的方法。

A.发电子邮件函证

B.实地调查

C.咨询

D.分析资料

15、资格I•:TaikongCitywasfoundedbythedormunsabout50AD.Itsnameisderivedfroma

Cethicworldwhichmeansthepieceoftheboldone.AftertheyinvadedBlitonin43ADthe

DormonsbuiltabridgeacrosstheThemasRiver.Theylaterdecideditwasanexcellentplaceto

builtaport.Thewaterwasdeepenoughforoceangoingshpsbutitwasfarenoughinlandtobe

safefromotherraiders.Around50ADDormonsmerchantsbuiltatownbythebridge.SoTaikong

Citywasborn.

Therewasnotastonewallaroundtheearlysettlementbuttheremayhavebeenaditchandan

earthramepartwithawoodenpalisadeontop.Thenin61ADQueenBoudialedarebellion

againsttheDormuns.HerarmymarchedonTaikongCity.Noattemptwasmadetodefend

TaikongCity.BoudiaburnecTaikongCitybutafterherrebellionwascrushedawasrebuilt.Rich

peolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.By

theendofthe2ndcenturystonewallwaserectedaroungTaikongCity.Thewallwas20feet

high.Outsidethewallwasaditch.Inthemiddleofthe3rdcentury20bastionswereaddedtothe

walls（asemi-circulartowerprojectingfromthewall）.

Whichofthefollowingstatementsistrueaccordingtothepassage?

A.QueenBoudiamadegreatcontributiontoTaikongCity

B.ltwasnotuntilthemidcleofthe3rdcenturythatthebastionswerebuiltonthestonewalls

C.Bytheendofthe2ndcentury.mostpeoplelivedinthewoodenhouses

D.缺

16、—CouldyoutellmewhattimethetrainleavesHefeiforBeijing?一Imafraidyouneedto

ontheinternet.

A.lookforit

B.lookatit

C.lookitover

D.lookitup

17、办理个人存取款业务的金融机构对一日一次性从储蓄账户（含银行卡）提取现金（）（不

含）以上的，储蓄机构柜台人员必须要求取款人提供有效身份证件，并经储蓄机构负责人审

核身份证件姓名与存单（存折、银行卡）姓名一致后予以支付。提现20万元（含）以上的，应

要求取款人至少提前一天预约。

A.3万元

B.5万元

C.8万元

D.10万元

18、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.

Whatistheauthor'sattitudetowardthebenefitsofcollaborativelearning?()

A.Doubt

B.Positive

C.Indifferent

0.Disagreeable

19、资料：Evenasrichcountriesseektoridworkplacesofsubtlegenderbias,inmanydeveloping

onesdiscriminationremainsovert.AccordingtotheWorldBank,womenarebarredfromcertain

jobsin104countries.(1)

“Genderequalityinlabourlawisassociatedwithmorewomenworkingandearningmore

relativetomen,"saysSaranIqbaloftheBank.Yetsomecountriespublishlistsofjobsdeemed

toodangerousforwomen(Russia's456includedrivinga:rainorsteeringaship).Othersstop

womenfromworkinginentiresectors,atnightorin“morallyinappropriate"jobs(inKazaknstan

womencannotbleedorstuncattle,pigsorsmallruminants).Infourcountrieswomencannot

registerabusiness.In18ahusbandcanstophiswifeworking.A(2)

Theaimisoftentoprotectthe“weakersex”.Somelawsputwomeninthesamecategoryas

children;theyconcernjobsseenasphysicallytough,suchasmining,constructionand

manufacturing.Othersrelatetobroadersafetyfears.InMumbai,forexample,female

shopkeeperscannotworkaslateasmaleones.Otherlawsareintendedtoprotectcapacityto

bearchildren.Z/Suchpoliciesoftenhavedemographicmotivations,especiallyincountrieswith

lowbirthrates/saysMsIqbal.(3)

RestrictionsonnightworkoriginatedinEnglandduringtheIndustrialRevolution.BIn1948the

InternationalLabourOrganisation(ILO)stillsoughttokeepwomenawayfromminesand

industrialnightwork.Spaindidnotliftrestrictionsonfemaleworkersinmining,electricityand

someconstructionjobsuntil1995.Somebansonwomen'sworkstillinplaceinformercolonies

areremnantsofthe1960SpanishCivilCode,theNapoleonicCodeorCommonwealthlaws.(4)

Somelawsareofsurprisinglyrecentorigin:Vietnam'sbanonwomendrivingtractorsof50

horsepowerormorecameintoforcein2013.Butonbalance,thetrendistowardsliberalisation.

InrecentyearsBulgaria,KiribatiandPolandhaveremovedallrestrictions;ColombiaandCongo

havegotridofsome.Othercountrieshavechangedlawsinlightoftechnologicaladvancesthat

havemademanyjobssaferandlessreliantonbruteforce,orhaveseencourtsoverturnbansas

discriminatory.C(5)

Labourshortagesarealsoleadingtochange.WhenmanymaleminersleftMarmato,inColombia,

tofindbetterpayelsewhere,femalereplacementsweretolerated,eventhoughhiringthem

brokethelaw.Similarly,whenmaletruckersineasternEuropeancountriesthatjoinedthe

EuropeanUnionleftforwesternones,pressuretoletwomenreplacethemincreased.Andthe

endofabanonwomenworkingnightsinthePhilippinesin2011wascheeredonbycall-centres,

whichneedstaffduringdaytimeinAmericaandEurope.(6)

Somesex-specificrestrictionsarecalledfor,saystheILO,particularlyinthecaseofpregnantand

breast-feedingwomen,forexamplewhenworkingwithchemicals.(Suchtemporaryandspecific

precautionsarenotcountedintheWorldBank'sstudy.)But,concludestheILO,blanket

protectiveprohibitionsareincreasinglyobsolete”.D(7)

Whichofthefollowingisthereasonforthechangerelatedtogenderdiscriminationinjob

market?

A.Somejobsaretoodangerousforwomen

B.Menarehuntinghigherpaidjobsinotherplaces

C.lnspecificareaswomenarepaidhigherthanmen

D.Womenhavethechoiceofnotbearingchildren

20、商业银行中最具有流动性的资产是()。

A.通知贷款

B.短期证券资产

C.现金资产

D.占用同业款项

21>Itisdifficulttoknowwhyaworkofartproducessomeemotions,butithasbeenknownfora

verylongtimethatpaintings,musicandpoetryhavethepowertotouchus,torepelusand

tointensepleasureordispleasure.

A.rise

B.arise

C.raise

D.arouse

22、中国是世界上()的国家。

A.森林资源最丰富

B.植物种类最多

C.微生物种类最多

D.动物种类最多

23^Hewasnolongera(an)()whofailedinbigeventsjikethe2008BeijingOlympics,where

hefinishedanunimpressive11th.

A.anything

B.nothing

C.anybody

D.nobody

24、依照我国法律规定，下列财产为按份共有的是()。

A.夫妻共有财产

B.家庭共有财产

C.甲、乙分别出资3万元和4万元共同购买的财产

D.共同继承的财产

25、资料：Globalbusinesstraveltopped$1.2trillionandisexpectedtoreach$1,6trillionby2020,

accordingtonewresearchbytheGlobalBusinessTravelAssociation(GBTA),anassociation

representingtheinterestsofcorporatetravelmanagers.What'smoreChinahasnowsurpassed

theU.S.asthelargestbusinesstravelmarketintheworld,ringingup$291billionlastyear.

Atthesametime,allisnotrosyandanumberofmajorissuesarelurkingahead.Aweakening

globaleconomy,Brexitandthisyear'sU.S.presidentialelectionwillmeangrowthwillnotbea

straightlineupwards.

“Theuncertaintycreatedbyfinancialupheavalandpendingchangestotradeandimmigration

ruleswillraisemanagementheartburn.Thiswillcausesomepostponement,evenoutright

cancellation,ofbusinesstrios.Itmayalsotriggertravelbudgetconstrictionasmanagementseeks

tohedgetheuncertainty."thereportsays.

AtthesametimeConcur,acompanythatprovidessupportservicesfortravelmanagers,released

thatthesharingeconomyisgainingtractionwithbusinesstravelers,basedonitsanalysisof40

millionuserswhospendover$70billionannually.

Concurdataindicates56percentgrowthforAirbnbtypeservicesinusagefromQI2015toQI

2016.Onaverage,businesstravelersstayfivenightswhenhomesharingversusthreenightsina

hotel.

“Managingtravelandexpenseisbecomingincreasinglycomplex,betweenintegrationwith

mobiletechnology,nuancesintravelerpreferences,andnewtravelsupplierstrategies/notes

RobbNielsen,vicepresidentofglobalproduceexperienceatConcur."Thisdemandsafully

connectedtravelandexpenseecosystempairedwithactionableinsights,givingtravelmanagers

thevisibilityandcontroltheyneedtodrivecostsavings/

Apressreleasedadded,Z/Thevastmajorityofbusinesstravelersalsowanttoreceivepersonalized

traveloptions.However;eventhoughbusinesstravelerswantpersonalizedoptions,the/are

hesitanttosharetoomuchpersonalinformationtoobtainthem.Theyarecommonlywillingto

sharedetailssuchastheirfrequentflyerorhotelloyaltynumber,preferredairlineandhotel

brandsandaircraftseatpreferences,butfewerthanhalfwouldsharetheirtravelhistory,

preferredleisureactivitieswhiletraveling,theirbusinesscalendarwithbookedappointments

andtheirsocialmediaaccountnames.”

Whichofthefollowingstatementiscorrectaccordingtothecontext?

A.USmarketaloneamountedto$291billionlastyear

B.GBTAstandsfortravelers*interest

C.USusedtobelargestsinglemarketintheindustry

D.Globalbusinesstravelisstagnant

26、Heholdsanimportantpositioninthecompany.()Jdon'tquitetrusthim.

A.Thus

B.Furthermore

C.Otherwise

0.Nevertheless

27、年终结账时，若有结转销户科目，则应当().

A.核实该科目下部分分户账

B.注销该科目下所有的分户账

C.核实该科目下所有的分户账

D.注销该科目下部分分户账

28、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

29、Tokeepupwiththeinfrastructuretheprofessionalsoneedstolearnhowtorunlarge

projectsmoreeffectivelyandefficientlyinordertomaketheentiredesign-engineer-operate

lifecycledigital.

A.boost

B.boom

C.construction

□.prosperity

30、个人贷款还款方式不包括()。

A.等额本息还款法

B.差额等息还款法

C.等额本金还款法

D.按月还息、到期一次性还本还款法

31、资料：Whenweseewell,wedonotthinkaboutoureyesveryoften.Itisonlywhenwe

cannotseeperfectlythatwsrealizehowimportantoureyesare.

Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes.Everythingelse

seemsblurry(=unclear).Manypeoplewhodoalotofwork,suchaswriting,readingandsewing

becomenear-sighted.

Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefar

away,buttheyhavedifficultyinreadingabookunlesstheyholditatarmzslength.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.

Weshouldtakegoodcarecfoureyes.

A.evenifwecanseewell

B.onlywhenwecannotseeperfectly

C.onlywhenwerealizehowimportantoureyesare

D.onlywhenwecanseewell

32、下列关于我国地理常识的说法，正确的是（）

A.以北京、天津、唐山为中心的京津唐地区是我国最大的综合性工业基地

B.中国稀土的储量和产量均居世界首位

C.准喝尔盆地位于新疆境内，在天山以北，是我国最大的盆地

D.海南省有"东方夏威夷〃的美称，简称"琼"，省会是三亚

33、2020年1月5日，《庚子年》特种邮票首发仪式在（）举行，2020年是庚子鼠年，

也是中国邮政发行生肖邮票（）周年，此次生肖邮票加入了邮票数字化内容。

A.北乐;30

B.上海；40

C.上海；30

D.北京;40

34、Andtheymustbeswiftertoembracenewtechnology,fromtheexcitementoftheInternetto

theofthetelephone.

A.dullness

B.tension

C.pressure

0.restrictions

35、嫦娥二号月球探测器获得的（）分辨率全月球影像图，是目前国际上已公布的分辨率最

高的全月球影像图。

A.5米

B.6米

C.7米

D.8米

36、企业接受的现金捐赠，应计入（）o

A.营业外收入

B.盈余公积

C.资本公积

D.未分配利润

37、某法国游旅团一行61人来北京旅游，随意游览故宫、颐和园、王府井、长城四地中的

若干个地方，那么至少有（）人浏览的地方完全相同。

A.3

B.4