2024年全国银行招聘之银行招聘综合知识考试快速提分卷（附答案）150

全国银行招聘考试重点试题精编

注意事项：

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（参考答案和详细解析均在试卷末尾）

一、选择题

1、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.

Theinsuranceofbusinesseszordinaryrisksisnotpossiblebecause.

A.suchrisksareveryexpensive

B.suchriskscannotbeestimatedprecisely

C.suchrisksaretoohigh

D.thepremiumwouldbetoohigh

2、银行按被投资单位净损益计算调整投资的账面价值和确认投资损益的基础是（）。

A.账面价值

B.实际价值

C.取得被投资单位股权后发生的净损益

D.银行发生的净损益

3.Accordingtoarecentreport,depressionisthesecondleadingofdisabilityworldwide.

A.cause

B.consideration

C.fact

D.matter

4、人们根据特定的需要，预先为计算机编制的指令序列称为（）。

A.软件

B.文件

C.语言

D.程序

5、"如果三年内不结婚，赠送你一万元〃，这个说法（）o

A.是有期限的赠与合同

B.无效合同

C.是附有负担的赠与合同

D.是赠与合同

6、在下列关于数据库技术的描述中，错误的是（

A.关系模型是目前在DBMS中使用最广泛的数据模型之一

B.从组成上来看，数据库系统由数据库和应用程序组成，它不包括DBMS及用户

C.SQL语言不限于数据查询，还包括数据操作、定义、控制和管理等多方面的功能

D.OFFICE软件包中的EACCESS软件是数据库管理系统

7、与十六进制数CD等值的十进制数是（）。

A.204

B.205

C.206

D.203

8、下列账簿中，一般不需根据记账凭证登记的账簿是（

A.日记账

B.总分类账

C.明细分类账

D.备查账

9、中国近代史上第一次明确提出彻底反帝、反封建的民主革命纲领是在().

A.中共“一大”

B.中共“二大〃

C.中共“七大”

D.中共十“一大”

10、Astheyhadrunoutofsugar,theyusedhoneyasa(n)forit.

A.exchange

B.assistance

C.substitute

D.preference

11、资料：China'sFosunhasofferedtobuyalmost17percentofMillenniumBCP,Portugal'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.Underthetests,BCPhadacommon

equitytieroneratio-akeymeasureofcapitalstrength-of6.1percentunderstressedcondrions,

abovethe5.5percentthresholdseenastheminimumadequatelevel.

Fosunhasnowofferedtosubscribetoaprivateplacement,reservedsolelyfortheChinesegroup,

thatwouldgiveita16.7percentstakeinBCP.Itsaiditwas"alsoconsideringincreasingitsstake

throughsecondarymarketacquisitionsorinthecontextoffuturecapitalincreases“toupto30

percent.

Thisoffer;whichissubjecttoregulatoryapprovalbyPortugueseandEUauthorities,isconditional

onFosunbeingabletoappointatleasttwoofthe20BCPboardmembers,anduptofive

membersintheeventofincreasingitsstake.

BCPsaiditrecognized“thestrategicpotentiarofFosun'soffer,sayingitwouldswiftlyproceed

withananalysisofits“manypositiveaspects"beforemakingarecommendationtoitsbocrdof

directors.

IsFosunlikelytosucceedinbuying16.7percentofBCP'ssharecapital?

A.Yes

B.No

C.lt/suptoPortugueseandEUauthorities

D.ltdependsonwhetherFosunisabletoappointatleasttwoofthe20BCPboardmerrbers,

anduptofivemembersintheeventofincreasingitsstake

12、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

13、（）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

14、银行固定资产科目的余额在（）。

A.借方

B.贷方

C.收方

D.付方

15、资料：What,ifanything,dowegainbyclingingtoourantioxidantsupplements?

Verylittle,accordingtoanaccumulatingbodyofresearch.Wedon'tneedmassivedosesof

antioxidants»weneedstresstocompelourownbodiestocreateantioxidants/'Everybodythinks

oxidationisbad,andthatantioxidantsaregood,"saysDrJones,"That'sbogus.Alittlebitof

poisonisgood/

Thatpoisoncanactuallycomefromplants,especiallythosethathavesurvivedharshconditions.

Foodsthathavesurvivedharshconditionsmakeusstrongerbystressingourbodies,notbecause

they'rerichinantioxidants.

AsthesciencequarterlyNautilusexplains,plantshavedevelopedanarsenalofchemicalstohelp

themwardoffinsectsandgrazers.Thesez/antifeedants,“wheningestedbyhumans,triggerthe

bodytoreleaseproteinsardactivategenesthat“produceantioxidants,enzymestometabolize

toxins,proteinstoflushoutheavymetals,andfactorsthatenhancetumorsuppression??

Plantsprepareyourbodytohandletoxinsinthesamewayasexercisepreparesyoutora:e-by

stressingyourbody.Andsupplements,saysDr.Hooper,interruptthisprocess.

“TheseantioxidantsupplementsarelikeaTrojanhorse,"continuesDr.Hooper.Theysay,I'ma

goodguy.Youguysgotosleepandwhilethedefenseisasleeptheantioxidantsgetridofany

oxidation.Itputsthedefense-system^armytosleep.

WhileDrJonesacknowledgesthebenefitsofvitaminEformusclecrampsandmacular

degeneration,hedoesn'tapprovetheideathatitimprovesone'sphysicalperformance.He

suggeststhatathletesinintensecontactsportssuchassoccerandfootballbenefitfromtrauma.

PlayershavetobehitwithpadsonTuesdaysand-hursdaysinordertocompeteon

Sundays-theyneedthatactualtrauma/hesays.

“Everythinginoursocietyisgearedtoward,Howcanwereducestress?”addsDr.Hooper.Z/When

itshouldbejusttheopposite.Weneedstress.Stressisgood.

Whichofthefollowingstatementsistrueaccordingtothearticle?

A.Alargeamountofantioxidantsupplementsarenotnecessary

B.Oxidationcannotdoanythinggoodatalltoourbody

C.PIantssurvivinghardconditionscanproducealotofantioxidant

D.Antioxidantsupplementscanimproveone'sphysicalperformance

16.上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0.2元，市场利率

为

2.5%0

根据上述材料，回答下列问题：

股票动态价格主要是指股票持有期间的价格，其确定方法与（）的价格确定基本相同。

A.分期付息到期还本债券

B.到期一次还本付息债券

C.分期还本到期一次付息债券

D.分期付息债券

17、资本主义地租的本质是（

A.土地所有者占有的农业平均利润

B.农业资本家在租期内投资的利息

C.农业工人创造的超过平均利润以上的那部分剩余价值

D.土地所有者无偿占有的农业工人创造的全部剩余价值

18、资料:TheOakviewCafe

12TorpointHill,Aylesbury.Buckinghamshire.HP217SR

www.aokviewcafc.co.uk

TheOakviewCafeproudlypresentsGordonMacaulayinasoloconcertat7p.m.on10

September.Mr.Macaulayisknownforhispoeticsongsandfluidguitarplaying.LaurenTigheof

TheAylesburyRecordwrites,"GordonMacaulayhasoneofthemostmelodiousvoicesIhave

everheard."Don'tmissthisrareopportunitytohearhimintheintimatesettingoftheOakview

Cafe.Ouraward-winningcnef,LucasBrizard,willprepareaselectionofuniquedishes,butour

regularmenuitemswillalsobeavailableonthedayoftheshow.Spaceislimited-purchaseyour

ticketsnowbyphoneoratthecafeduringnormalbusinesshours.Formoreinformationaboutus

andafulllistingofourdishesfortheevent,pleasevisitourWebsite.

WhatissuggestedabouttheOakviewCafe?

A.ltopensfordinnerat7p.m

B.ltadvertisesinalocalnewspaper

C.ltislocatedinthecity'sbusinessdistrict

D.ltisasmallrestaurant

19、资料：ThesoybeanpricesendedhigherthisMondayastradersexpectsuppliestoremain

tight.

TheactivelyJulycontractforsoybeansrose20centstosettleat$14.85abushel.

TheU.S.government'sweeklypredictionforsoybeanexportswashigherthantradersexpected,

saidMikeZulo.PresidentofaconsultingcompanyinAtchison,Kansas.

SuppliesforbeanshavebeenextraordinarilytightasChina'sdemandforsoymealcontinuesto

increaseevenasU.S.productionstaysrelativelysteady,hesaid.Soybeanpriceshaverisenabout

15percentthisyear.

“ThatU.S.D.A.numbercausedthetradetorefocusonjusthowrazor-thinsuppliesareheadngin

tonextfall'sharvest/*Zulosaid.

Whatcanbeinferredfromthepassageaboutnextfall'ssoybeanharvest?

A.lt'snotworthnoticing

B.ltwillrise15percent

C.lt'sstilluncertain

D.ltwillberazor-thin

20、—/zlsthere（）here?”

—“No,BobandTimhaveaskedforleave/

A.anybody

B.everybody

C.somebody

D.nobody

21、1912年（》写出第一本以“Marketing"命名的教科书，被认为是市场营销学作为一

门独立学科出现的标志。

A.鲍敦

B.菲利普・科特勒。

C.彼得•杜拉克

D.赫杰特齐

22、Intel公司是美国占支配地位的计算机芯片制造商.当他们推出一种新产品时。定价总

是比同类产品的定价低，在销售的第一年他们可能获利很小，但他们很快就把产品打入了市

场，第二、三年会大量销售产品而获利。他们采用的是（）策略。

A.速取定价

B.渐取定价

C.弹性定价

D.理解价值定价

23、各种账务处理程序的相同之处不包括（）。

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

24、资$4：Itseemssimpleenough.Takealltheline-formingandpaper-fillingbusyworkofthe

government,andputitalupontheInternet.Now,inordertoreportapot-hole,payyour

propertytax,complaintoanofficialorcastavote,justlogonandhitafewbuttons.Gocdbye

bureaucracy,helloe-cracy?

However,theshifttoe-governmentisturningintoonegiantpainintheneck—technologyisn't

theproblem,moneyis.TheGartnerGroupestimatedthatprojectspendingfore-governmentwill

growfrom$6.5billionin2010tomorethan$16.8billionby2O25.Thecostworldwideoverthe

next15years,however,isthoughtbysometoreachorevenexceed$600billion.

Citizensareoftwominds-theyliketheconvenienceandflexibilityofe-government,butthey

haveshownnogreatinterestincoughingupextrataxdollarsforthispurpose.E-governmentis

turningouttobemuchmoreexpensivethanitsearlychampionsenvisioned.Justbecausethata

state'sdepartmentofmotorvehiclesallowsonlineautoregistrationdoesn'tmeanitcanshut

downitsphysicalstations.ThecostofcreatingandmaintaininganInternetpresencemustbe

addedtotheexistingcosts:ructure.

Whysoexpensive?It'scheapenoughforaregionalforestservicetoputupafirealertweosite.

Butmountingacomprehersivesystemofinputsandoutputsthatmirrorsandinsomeinstances

supersedesoff-linegovernmentstructuresisamammothexpenditure,conductedwithlittle

assurancethatemergingtechnologicalstandardswon'tleaveyoureffortinthedust.

Ifthissoundseerilysimilartotheconfidencewalldot-combusinessespiledintolastyear,good

foryou,becauseit'sthesamewall,thewallofreality,wheremoneyisstillmoney,andbecausea

thingisvirtualdoesn'tmeanit'sfree.Itisareallybigproblem.Weallknowitisgoingtocosta

tonofmoney,butnooneknowswheretogoforthemoney.

What/stheauthor'spurposeofmentioningastate/sdepartmentofmotorvehicles?

A.Toshowthate-governmentwilladdnewcosts

B.Toshowthatthee-governmentisuselessinsomecases

C.Toshowthatphysicalstctionsarenotfunctioningwell

D.Toshowthatthee-governmentwillreplacephysicalstations

25、下列语句中，没有语病的一项是()。

A.自从李师傅开了修理高级手表的直播视后，短短的十分钟内，先后有一万二千人次前来

观摩学习。

B.减免高速公路通行费后，公路货运量较去年同期增加了1.5倍，高速通行费减少了0.8倍。

C.许多消费者前来喝咖啡，并非是因为这家店的咖啡好喝，而是因为心忧患券到期不能使

用。

D.上午八点，随着飞机舱门缓缓打开，英雄们鱼贯而出，站立在通道两侧的数百名欢迎队

伍立刻鼓掌，欢迎英雄们回家。

26、资料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothe

contrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthat

promotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoina

constructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonis

listening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwas

said,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlistening

wasconsistentlyseenasatwo-waydialog,ratherthanaone-way/zspeakerversushearer”

interaction.Thebestconversationswereactive.

Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmade

theconversationapositiveexperiencefortheotherparty.whichdoesn'thappenwhenthe

listenerispassive(or,forthatmatter;critical!)Goodlistenersmadetheotherpersonfeel

supportedandconveyedccnfidenceinthem.Goodlisteningwascharacterizedbythecreationof

asafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.

Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowed

smoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheother

made.Bycontrast,poorlistenerswereseenascompetitive—aslisteningonlytoidentifyerrors

inreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmight

makeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmay

challengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristrying

tohelp,notwantingtowinanargument

Accordingtotheparagraph,agoodlistenerwouldNOT

A.Uselogic

B.Disagreewiththespeaker

C.Response

D.Besilent

27、魏源在《海国图志》中阐述了“师夷长技以制夷〃的思想。他所说的“长技”在19世纪中

期已经出现的是（）。

A.电话

B.火车

C.电视

D.飞机

28、Anin-depthunderstandingofthisemergingphenomenonrequiresnotjusttheconsideration

ofquantitativestudies,buttheofselectedquantitative,qualitativeandmixed-method

studydesigns.

A.collect

B.pooling

C.pool

D.poll

29、下列不属于银行流动负债的是（）。

A.向中央银行借款

B.同业拆入

C.系统内款项存放

D.发行的银行次级债券

30、甲公司2019年12月1日购入生产设备一台，入账价格为200000元，采用年数总和法

摊销，预计净残值5000元，预计使用年限5年。2020年12月31日，该生产设备的可收回

金额为120000元，则2020年底，该设备的账面价值为（）。

A.120000

B.135000

C.150000

D.161000

31、资14：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwith

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

justkindofadragwiththeircynical,pessimisticworldview.lfyou'redealingwithanegative

employeezhereare3stepstotake.

FINDOUTWHY

Ifyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeen

behaviorchangesrecently.lsthenegativityaconstantorhasthebehaviorescalated?lfthe

latter,wasthereaneventthatleduptothechange?lndividualsintheworkplacelive

multi-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityand

mood.

InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchers

foundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagers

aresupportive.

DISCUSSGOALS

Whendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethe

discussioninthecontextoftheIndividual'sgoals.wTonepolicing“whereyousimplypointout

pessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcause

moreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditional

training,perhapsinmanagementorcommunicationskills,toovercomeadeficit.

ADDRESSISSUES

Adirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsor

circumstancesdrivingthebehavior.lfthereareworkplaceissuethatcanbesolved,considerdoing

soifitmakesense.Ifthe,earepersonalissuesthathavecausedanescalationinnegative

behavionexaminewhetheraccommodationscanbemadetohelpthepersonwhilethey'regoing

throughsuchchallenges.Someemployeesdon'thavegreatinterpersonalskills,andputtingthem

injobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbe

aneffectivesolution,too.

Accordingtoparagraphtwc^whatcanresultintheescalatednegativebehaviorofanemployee?

A.lowincome

B.Familystress

C.heavyworkload

D.Unsatisfacationattheofficeenvironment

32、资料：FASTcarswhizzaround,mallsarefullofexpensiveluxuriesandcranesdominatethe

skyline.ButscratchtheshimmeringsurfaceoftheGulfandyousoonfindcountrieshurtingfrom

thelowoilprice,currentlyaround$40abarrel.Growthisslowingandunemploymentis

rising.Policymakersevendareutterathree-letter//t//worduntilrecentlytaboo：tax.

OiliscentraltothesixGulfCo-operationCouncil(GCC)states,whichhaveusedthewindfallof

thepastfewyearstospendlavishly.Unlikemanyoilexporters,suchasNigeriaandVenezuela,

theyhavehighforeign-exchangereservesandlowdebtstocovershort-termgaps.Butpublic

spendingisgenerousandtheprivatesectorisheavilyreliantonoiltoboot.Tobesustainableinan

eraoflowerprices.therulersmustchangethestructureoftheireconomies.

TheIMFreckonstheloweroilpriceknocked$340billionoffAraboil-exportingstates'

governmentrevenuesin2O15.Thisyearislookingworse.Moody's,aratingsagency,thismonth

downgradedBahrainandOmanandputonwatchtheotherfourGCCstates：SaudiAraoia,

Kuwait,theUnitedArabEmirates(UAE)andQatar.Tt'stheendofanerafortheGulf,“says

RazanNasserofHSBCinDubai/Andwe'reonlyjuststartingtoseetheeffects/*

Oilreceiptstypicallyaccountformorethan80%ofGCCgovernmentrevenues»risingtoover90%

ofSaudiArabia'sbudgetbeforethecrisis.Dubai,oneoftheemiratesmakinguptheUAE,isan

exception,withoilaccountingforonly5%ofrevenues.Thatisbecauseithassuccessfully

diversifiedtourismandservicesaccountformostofitsgovernmentrevenues.

Governmentsarereactingtothesqueezeontheirincomeswithamixtureofstrategies,drawing

downreservesandtakingondebtontheonehand,andimposingspendingcutsonthe

other.Lastyeartheymadetweaks>suchascurbingbenefitsforpublicservants.Thisyearwillbe

tougher.Omanhastoldallstate-ownedenterprisestoremoveperkssuchascars.Qatari

companiesincludingAlJazeeraandtheQatarFoundation,aculturalorganization,havelaidoff

employees.Withsuchtweaks,Kuwait,theUAEandQatar,v/hichhavesmallpopulationsandhigh

foreignexchangereserves,cangetbyforadecade.

Whichofthefollowingstatementistrueaccordingtothepassage?

A.LuxurylandmarksdominateGulfskyline

B.Oilpriceisbooming

C.Gulfauthoritiesrefusetoraisetaxes

D.OilPriceisaround$40pergallon

33、为了避免重复记账.习惯上对于将现金存入银行的业务，一般只编制()。

A.现金付款凭证

B.银行存款收款凭证

C.现金收款凭证

D.银行存款付款凭证

34、___somemistakes,Ifailedtogetthepromotion.

A.Because

B.Owingto

C.Forthesakeof

D.Thanksto

35、资料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeothe，way

doesnotliveuptothemanufacturer'sclaims,thefirststepistopresentthewarranty,orany

otherrecordswhichmighthelp,atthestoreofpurchase.Inmostcases»thisactionwillproduce

results.However,ifitdoesnot,therearevariousmeanstheconsumermayusetogain

satisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlyto

thestoremanager.Ingeneral,the“higherup“hisorhercomplaint,thefasterheorshecan

expectittobesettled.Insuchacase,itisusuallysettledintheconsumer'sfavor,assuminghe

orshehasajustclaim.

Consumersshouldcomplaininpersonwheneverpossible,butiftheycannotgettotheplaceof

purchase,itisacceptabletophoneorwritethecomplaintinaletter.

Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly,andespeciallywhen

theconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedene,

theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong,rather

thanbymakinggeneralstatements.Forexample,“Theleftspeakerdoesnotworkatallandthe

soundcomingoutoftherightoneisunclear“isbetterthan“Thisstereodoesnotwork*The

storemanagermayadvicetheconsumertowritetothemanufacturer.Ifso,theconsumer

shoulddothis,statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoes

notachievethedesiredresult,theconsumercangotoastepfurther.Sheorhecanthreatento

takethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsiblefor

protectingconsumer'srights.

Whydoestheauthormentiontheexampleofstereoinparagraph3?

A.Toillustratethatitwillbebetterifthecustomerstatesthespecificproblem

B.Toshowthatthestereoisreallynotworking

C.Tocomplainaboutthestereo

D.Tostressthatsomethingiswrongwiththeleftspeakerandthesound

36、()在金融市场中发挥着极为关键的作用，是金融市场高速运行的基础。

A.价格机制

B.金融市场主体

C.金融市场中介

D.金融市场客体

37、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetand

instructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentan

apartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarket

game”,investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthe

disastrousfallof2008."0urpretendinvestmentscrashed,"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,andabout300collegesoruniversitiesnowofferonline

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

intoseparateenvelopesfo”payingbills,spendingandsaving."Moneyissohardtomakebutso

easytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."

Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalso

wantstudentstothinkhardabouttheirfinanceslongterm.lt'seasyforteenagerstogetannoyed

aboutgaspricesbecauserranyofthemdrivecars.Butthehardpartisurgingthemtoputoffthe

instantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthings

teenagersarethinkingabout.Forthem,thefutureisthisweekend/'saysGayleWhitefeld,a

businessandmarketingteacheratUth'sRivertonHighSchool.

That'sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheir

parentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehas

increasedupto4.2percent,that'sstillafardistancefrom1982zwhenAmericanssaved11.2

percentoftheirincomes.'lt'shardforschoolstoreachstrictmoney-managementskillswhen

teenagersgohomeandwa:chtheirparentsincreasecredit-carddebt.It'sliketellingyourkidsnot

tosmokeandthenlightingjpacigaretteinfrontofthem/Eecksays.

Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolis

worthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocal

bankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollegershejusthas

abetterunderstandingofmoneyandhowitaffectstheworld/sayshermother;Darleen—and

that'ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AIIofthis

talkofmoneycanmakeRayworry,shesays,butluckily,s