2024年全国银行招聘之银行招聘综合知识考试重点试题详细参考解析

全国银行招聘考试重点试题精编

!注意事项：

；11.全卷采用机器阅卷，请考生注意书写规范：考试时间为120分钟。

5:2.在作答前，考生请将自己的学校、姓名、班级、准考证号涂写在试卷和答

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工整，笔迹清楚。

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密

封一、选择题

窣

1、ItalycallsanemergencymeetingtosavetheancientcityofPompeii()fallingdown.

A.on

0.off

•,；C.from

N；D.against

瑕!

2、WhenMontebroketheglass,hetriedtoputthe(:backtogether.

A.fragments

B.pieces

C.bits

0.slices

3、Thereisanotepinnedtothedoor()whentheshopwillopenagain.

A.saying

B.says

C.said

D.havingsaid

・♦

§14,2020年3月10日国家主席习近平专门赴湖北省武汉市考察疫情防控工作。他强调，经

f绡过艰苦努力，湖北和武汉疫情防控形势发生积极向好变化，取得阶段性重要成果，但疫情防

控任务依然艰巨繁重。越是在这个时候，越是要保持头脑清醒，越是要慎终如始，越是要再

j接再厉、善作善成，继续把()作为当前头等大事和最重要的工作。

1A.疫情防控

!B.疫情监管

：C.疫情防治

ID.疫情管理

[5、资料：(一)

Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouse

恬

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.

Theinsuranceofbusinesses^ordinaryrisksisnotpossiblebecause.

A.suchrisksareveryexpensive

B.suchriskscannotbeestimatedprecisely

C.suchrisksaretoohigh

D.thepremiumwouldbetoohigh

、在处理实际问题时，往往不能“一刀切”的主要原因是）

6（0

A.事物矛盾之间存在有机联系

B.事物矛盾具有特殊性

C.事物矛盾具有共同点

D.事物矛盾具有普遍性

7、在货币资金借贷中，还款违约属于金融风险中的（）。

A.流动性风险

B.市场风险

C.操作风险

D.信用风险

8、票据丧失的补救措施不包括（）。

A.停止支付

B.挂失止付

C.公示催告

D.提起诉讼

9、Whenacompanydiscontinuesanddisposesofanoperation,theactionisconsidered：().

A.acumulativeeffectofachangeinanaccountingprinciple

B.apriorperiodadjustment

C.anextraordinaryitem

D.separatelyandshownnetoftaxesontheincomestatement

10、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

11、资料：ZhangQiaoliuseshersparebedroomforstoringherstockofladies'fashion-wearand

photoshoots.SheisoneofmorethanfivemillionsmallonlinestoresoperatingacrossChina,

somefromsmallapartmentsorevencollegedormitories.Shebuysdressesandaccessories

wholesale;atpricesunder$5,usingthewebsiteTaobao,shesellsthemonastheKittyLoverat

pricesunder$10.

TaobaoisownedbyChinesee-commercegiantAlibabaandthebrainchildoffounderJackMa.It

isafree-to-useonlinemarketplacewithsome800millionproductlines-fromfoodtoclothesto

technology.

AcrossChina,onlinecompanieslargeandsmallarelearninghowtobeeffectivee-commerce

players-orfaillikeUSgoliatheBay,whichwastrouncedbyupstartTaobaobackin2006.

In2010,China'sonlineshoppingindustryhadaturnoverof$80bn,andgrew87%year-on-year.

China's420millioninternetusersspendaroundabillionhourseachdayonline-andlastyear,

185millionmadeatleastoneonlinepurchase.AccordingtoBostonConsultingGroup,the

volumeisexpectedtoincreasefourfoldby2015.

E-commerceischangingthewayChineseconsumersthinkaboutshopping:online,itismore

socialthanahardsell.It'sanewengagingexperiencetosavor.

InChineseretail,trustisararecommodity.Thereareplentyoffakesonline,andbuyersareoften

cursedbyscamsorshoddygoods.Still,consumerfaithine-commercestoresisremarkably

robust.That'sbecause,apartfromitsconvenienonlineshoppinghasshiftedthebalanceof

powerfromsellerstobuyers.OnlineshoppinginChinaismorethanclickingonthe"buy"button.

Theexperienceincludesexchangingtipswithothershoppers,discussingtrends,andratingboth

productsandservice.

Theinteractionandcommunicationgeneratestrust.

“Theabilityofsocialnetworkingcombinedwithe-commerseorsocialcommerceasIliketocall

it-wherepeopleareabletoratetheirproviders,provideinformationtootherpurchasers-that

levelofexperienceisreallyovercomingthebigweaknessessaysDuncanClark,ChairmanofBDA

(china),anexpertonChina'se-commerceindustry.

“Basically,thereisaone-to-oneconnectionbeingestablished.Andthat'sbreakingthroughthe

mistrustbarrierifyouwill.SoIthinkwecanlearn，actually-theWestcanlearnfromsomeofthe

developmentshappeningintheChinesee-commercesector,"saysMrClark.

Accordingtothearticle,howdoesZhangQiaolimakemoney?

A.ShesellsdressesandaccessoriesonTaobao

B.Shebuysgoodsathigherpricesandmanagestoselllargenumberofthem

C.Shepurchasesgoodsatwholesaleandsellthemonlineathigherprices

D.Shemakesprofitsbysellingdressesandaccessoriesatretailstores

12、投资〜笔国债，5年期，平价发行，票面利率为12.22%,单利计息，到期一次还本付

息，则该债券的到期收益率是（）.

A.9%

B.11%

C.10%

D.12%

13、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%o

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

14、Ournewdietpillthepeoplewhowanttoloseweight.

A.satisfiestheneedof

B.stimulatethedemando;

C.arousetheinterestof

□.targetthemarketfor

15、批复是答复下级请示的文件，是（）»

A.被动发文

B.主动发文

C.是对报告的批件

D.下级没有请示，用来指导工作的

16、资料：GoogleandUberhavegrabbedmostoftheattentionregardingtheadventof

self-drivingcars,butonSunday,Lyftthrewdowntheultimatechallenge:Amajorityof

autonomousvehiclesforLyftwithinamerefiveyears.

TheboldclaimwasmadebyLyftco-founderJohnZimmerinapostonMediumoutlinirghis

company'svisionforthenextdecade.

"WithinfiveyearsafullyautonomousfleetofcarswillprovidethemajorityofLyftridesacross

thecountry,"saidZimmer,indicatingthatearlyversionsofsuchcarshavebeeninoperationin

SanFranciscoandPhoenix.

Usuallywhentechfounderslayouttheirvision,it'stypicaltoheargrandclaimsthatalmostpush

theboundariesofbelievability.That'swhattechinnovationisabout.Butinthecaseof

self-drivingcars,thesituationisabitmorecomplicated.

Uberhasalreadybegunrollingoutself-drivingcartestsinPittsburghandGoogleishardatwork

onthesamekindofsolutionontheWestCoast.Therefore,talkofgettingself-drivingcarsonthe

roadis,atthispoint,lesscboutthetechnologyandmoreaboutlogistics.WeknowGooglehas

enoughcashtotripledownonanyinitiativeitdecidestotackle.Andasthecurrentride-sharing

leaderintheU.S.,Uberhasenoughmarketshare-poweredcredibilitythatafutureincluding

self-drivingUbercarsisn'tcnrealistic.

Todaytherearesomeinternet-basedridesharingsystembuttoovercomethecriticalmassthe

systemhastobereal-time,automatedandextremelyeasytouse.

HoweverinthecaseofL/t,whichcontinuestostruggleagainstUber(onereportclaimsthat

Uberhasover80percentmarketshareintheU.S.),suchashorttimelinetowardrollingouta

fleetofself-drivingcarsseemssomewhatambitious.Nevertheless,Zimmercontinueshisvision

essaywithevenmoreboldpredictions.

"By2025,privatecarownershipwillallbutendinmajorU.S.cities/'saysZimmer;aprediction

that,ifitturnsouttobetrue,wouldmeanitwouldtakejusteightyearsforthemajorityofthe

human-drivencarsonU.S.roadstodisappear.Possible?Sure.Likely?Eightyearsseemslike,once

again,abitofwishfulthinkingonZimmer'spart.

Remember,ithasn'tevenbeen10yearssincethearrivaloftheiPhone,andasrecentevents

prove,smartphonesarestillacategorythatcanyieldcatastrophicresultsifnotdoneright.And

thosearejustmobiledevices,notvehiclesentrustedwithtransportingandprotectinghuman

lives.

Tobefair;Zimmer'sessaydoesoffersomefactsandfiguresinanattempttobackuphispositions,

butmuchofitdoesn'tappeartotakeintoaccountvariablessuchastheheavilyembedded

interestsofautomobilecompaniesstillrelyingonconsumerautosales,aswellasthemanylegal

androadwaylogisticsthatwillneedtobeaddressedirordertobringaboutthismassive

transformationinsuchashorttime.

Oddly,Zimmer'svisiondoeslittletoaddressthemillionsofhumanjobsthatwillbelostonce

self-drivingcarsdisplacenotonlytaxidrivers,buttruckdrivers.

"Webelievethatinthefirstfiveormoreyearsfollowingtheintroductionofautonomousvehicles,

theneedforhumandriverswillactuallyincrease,notdecrease,"writesZimmer."When

autonomouscarscanonlysolveaportionofthosetrips,moreLyftdriverswillbeneededto

provideservicetothegrowingmarketofformercarowners,"writesZimmer.

Butwhataboutafterfiveyears,whenautonomouscarscanprovidefullservice?Whataboutthe

humandrivers?Thepushbackfromhumandriverslosingworkwilllikelybeanother,majorripple

intheevolutionofself-drivingcars,aswellasotherautorratedsystemsenteringU.S.societyin

comingyears.

However,noneoftheselogisticalissuesdiminishZimmer'sideas.Hisvisionofthefutureof

autonomousvehiclesseemsquitelogicalandinstepwithrrostwhoworkinandwatchthespace

closely.Butthespeedbumpinacceptinghisvisionwholesaleishisambitiousself-drivingcar

timelineingeneral,andforLyftinparticular.

A.arrangethemneatly

B.presentclearly

C.designcorrectly

D.suggestproperly

17、“劳动是财富之父，土地是财富之母"，对这句话的正确理解是（）。

A.劳动和土地都是价值的源泉

B.劳动创造使用价值，土地形成价值

C.劳动是创造价值的外部条件，土地是价值的真正源泉

D.劳动必须和自然物相结合才能创造出物质财富

18、下列属于中国银行业监督管理委员会监管标准的有（）。

A.促进金融稳定与金融创新

B.监管成本最优

C.增进市场信心

D.增进公众对现代金融的了解

19、标志着中国半殖民地半封建社会形成的是（）。

A.《北京条约》

B.《马关条约》

C.《中法条约》

D.《辛丑条约》

20、剩余价值（

A.在生产领域中产生，可以离开流通领域

B.在流通领域中产生，但不能离开生产领域

C.在生产领域中产生，通过流通领域来实现

D.既在流通领域中产生，也在生产领域中产生

21、公文的权威性和行政约束力，来自（）的权威和合法地位。

A.收文机关

B.印发机关

C.审核机美

D.制发机关

22、用支出法核算GDP正确的公式是（）o

A.GDP;消费支出+投资+政府购买+（出口-进口）

B.GDP=消费支出+投资+政府购买+（出口-进口）+转移支付

C.GDP=工资+利息+利涧+租金+间接税和企'也转移支付+折旧

D.GDP=工资+利息+利涧+租金+直接税和企业转移支付+折旧

23、减少所得税的财政政策，对利率的影响（）,定消费的影响（）对投资的影响

（）,对GDP的影响（）o

A.上升，增加，减少，增加

B.上升，减少,减少,增加

C.下降，增加，减少，增加

D.上升，增加，减少，减少

24、下列与不作为犯罪相关的表述，哪一选项是正确的？（）

A.甲警察接到报案：有歹徒正在杀害其妻。甲立即前往现场，但只是站在现场观看，没有

采取任何措施。此时，县卫生局副局长刘某路过现场，也未救助被害妇女。结果，歹徒杀害

了该女子。甲和刘某都是国家机关工作人员，都没有履行救助义务，均应成立渎职罪

B.甲非常讨厌其侄子乙（6岁）。某日，甲携乙外出时，张三酒后驾车撞伤了乙并迅速逃逸。

乙躺在血泊中。甲心想，反正事故不是自己造成的，于是离开了现场。乙因得不到救助而死

亡。由于张三负有救助义务.所以甲不构成不作为犯罪

C.甲下班回家后，发现自家门前放着一包来历不明、类似面粉的东西。甲第二天上班时拿

到实验室化验，发现是海洛因，于是立即倒入厕所马桶冲入下水道。甲虽然没有将毒品上交

公安部门.但不构成非法持有毒品罪

D.《消防法》规定，任何人发现火灾都必须立即报警。过路人甲发现火灾后没有及时报警，

导致火灾蔓延。甲的行为成立不作为的放火罪

25、资*4：Earlierthismonth,presidentsBarackObamaoftheUSandXiJinpingofChinamadean

importantsymbolicgesturewhentheycommittedtheircountries,thetwolargestgreenhouse

gasemitters,totheParisclimateagreement.Itwastheclearestsignalyettoinvestorsworldwide

thattheyneedtothinkabouttheimplicationsofglobalwarningfortheirportfolios.

OnFridayafternoontherewasanexampleofwhatthatmightmeanMrObama'sadministration

issuedanordertemporarilyblockingconstructiononasectionoftheDakotaAccessoilpipeline.

ThemovewasaresponsetolocalconcernsraisedbytheStandingRockSiouxTribeabout

potentialdamagetohistoricsitesandthethreatsofoilspills.Butitistheglobalissueofclimate

changethathadraisedtheprofileofDakotaAccess,makingitintoacausecelebreforUS

environmentalcampaigners.BillMcKibbenof35O.org,whichplayedakeyroleinthesuccessful

efforttostoptheKeystoneXLpipelinefromCanada,hassuggestedthatMrObamacouldblock

DakotaAccesspermanently,onthegroundsthatitwouldexacerbatethethreatofclimate

change.

Lastmonth,theWhiteHouse'sCouncilonEnvironmentalQualityissuednewguidanceforfederal

agencies,makingclearthattheirdecisionsshouldtakeintoaccount“thepotentialeffectsofa

proposedactiononclimatechange7；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,investors/personalviewsonclimatescienceareirrelevant.Enough

governmentsandbusinessesareconvincedbythescientificconsensusthatthethreatisreal,and

aredrivingregulatoryandtechnologicalchangesthatinterestedinyou.

六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

D.Consumers

26、紧缩性货币政策的运用会导致（）。

A.减少货币供给软,降低利率

B.增加货币供给量，提应利率

C.减少货币供给量,提高利率

D.增加货币供给量,降低利率

27、()incomputertechnologyareallowinguserstoreachintoanypartoftheworldbyjust

clickingamouse.

A.Advancement

B.Advances

C.Advancing

D.Advance

28、从企业规模看，2019年6月份大型企业PMI为49.9%,比上月下降0.4个百分点，微低

于临界点；中、小型企业PMI为49.1%和48.3%,分别比上月回升0.3和0.5个百分点，位

于临界点以下。

在调查的21个行业中，有13个行业的生产指数位于扩张区间，医药、铁路、船舶、航空航

天设备、食品及酒、饮料、精制茶、电气机械器材、计算机通信电子设备等制造业的生产指

数位于54%以上的较高景气区间。从重点行业看，高制迨业、装备制造业和消费品行业的生

产指数为55.6%、53.3%和52.2%,环比均有所上升,且分别高于制造业总体4.3、2.0和0.9

个百分点，生产景气度呈现稳中有升，表明在当前复杂多变的经济环境下，制造业转型升级

继续推进，中高端制造业和消费品制造业对经济增长的促进作用进一步增强。

受国内外大宗商品价格波动和部分行业供求关系变化等影响，价格指数双双回落。主要原材

料购进价格指数和出厂价格指数为49.0%和45.4%,分别比上月下降2.8和3.6个百分点，部

分行业效益增长受到一定影响。企业对近期市场发展预期基本稳定。企业生产经营活动预期

指数为53.4%,在调船舶航空航天设备等制造业的牛.产经营活动预期指数位于60.0%以上的

高位景气区

1制造业PMI指数（经季节调整）

表1中国制造业PMI及构成指出（经季节调整）

单位，%

PMI生产新订单原材料库存从业人员供应育配送时间

2018年6月51.553.653.248.849.050.2

2018年7月51253.052348.949250.0

2018年8月51.353352248.749.449.6

2018年9月50.853.052.047.848.349.7

2018年10月50.252.050.847.248.149.5

2018年11月50.051.950.447.448350.3

2018年12月49.450£49.747.148.050.4

2019年1月49550.949.648.147650.1

2019年2月49.249.550.646347549.8

2019年3月50552.751.648.447.650.2

2019年4月50.152.151.447.247.249.9

2019年5月49.451.749.847.447.050.9

2019年6月49.451.349.648.246.950.2

表2中目制造业PMI其他相关指标•情况《经李节调整》

单位，%

主要原

料「甲进.力出厂产成品在手生产经营

H料购

出口□t价格宏存订单活动情期

进价格

2018年6月49.850.052.857.753.346.345.557.9

2018年7月49.849.651.554.350.547.145.756.6

2018年8月49.449.151.858.754.347.446.757.0

2018年9月48.018.551.559.854.347.445.256.4

2018年10月46.947.651.058.052.047.144.356.4

2018年11月47.047.150.850.346.448.644.354.2

2018年12月46.645.949.844.843.348.244.152.7

2019年1月46.947.149.146.344.547.143.752.5

2019年2月45.244.848.351.948.546.443.656.2

2019年3月47.148.751.253.551.447.046.456.8

2019年4月49.249.71.153.154.046.544.056.5

2019年5月46.547.150.551.849.048.144.354.5

2019年6月46.346.849.749.045.448.144.553.4

关于2019年6月份制造业采购经理指数的描述中，正确的是（）o

A.PMI为49.2%,同比下降9个百分点

B.PMI为49.4%,比上月下降0.4个百分点

C.PMI为49.4%,与上月持平

D.PMI为49.2%,环比下降0.7个百分点

29、中国共产党确定毛泽东思想作为自己的一切工作指针的会议是（）。

A.遵义会议

B.瓦窑堡会议

C.中共六届六中全会

D.中共七大

30、TheWHOsaysthereiscurrentlynoevidenceofhuman-to-humanofthevirus.

A.translation

B.transition

C.transmission

□.transaction

31、Passage7

Inarareunanimousruling,theUSSupremeCourthasoverturnedthecorruptionconvictionofa

formerVirginiagovernor,RobertMcDonnell.Butitdidsowhileholdingitsnoseattheethicsofhis

conduct,whichincludedacceptinggiftssuchasaRolexwatchandaFerrariAutomobilefroma

companyseekingaccesstogovernment.

Thehighcourt'sdecisionsaidthejudgeinMr.McDonnelKstrailfailedtotellajurythatitmust

lookonlyathisz/officialacts/ortheformergovernor'sdecisionson“specific"and"unsettled"i$sues

relatedtohisduties.

Merelyhelpingagift-givergainaccesstootherofficials,unlessdonewithclearintenttopressure

thoseofficialsjsnotcorruption,thejusticesfound.

Thecourtdidsuggestthatacceptingfavorsinreturnforopeningdoors

isz/distastefurxandnasty.wButunderanti-briberylaws,proofmustbemadeofconcrete

benefits,suchasapprovalofacontractorregulation.Simplyarrangingameeting,makingaphone

call,orhostinganeventisnotan/zofficialact.”

Thecourt'srulingislegallysoundindefiningakindoffavoritismthatisnotcriminal.Elected

leadersmustbeallowedtohelpsupportersdealwithbureaucraticproblemswithoutfearof

prosecutionofbribery/zThebasiccompactunderlyingrepresentativegovernment,z,wroteChief

JusticeJohnRobertsforthecourt/assumesthatpublicofficialswillhearfromtheirconstituents

andactontheirconcerns//

Buttherulingreinforcestheneedforcitizensandtheirelectedrepresentatives,notthecourts,to

ensureequalityofaccesstogovernment.Officialsmustnotbeallowedtoplayfavoritesin

providinginformationorinarrangingmeetingssimplybecauseanindividualorgroupprovidesa

campaigndonationorapersonalgift.Thistypeofintegrityrequireswill-enforcedlawsin

governmenttransparency,suchasrecordsofofficialmeetirgs,rulesonlobbying,andinformation

abouteachelectedleader'ssourceofwealth.

Favoritisminofficialaccesscanfanpublicperceptionsofcorruption.Outitisnotaways

corruption.Ratherofficialsmustavoiddoublestandards,ordifferenttypesofaccessforaverage

peopleandthewealthy.lfconnectionscanbebought,abasicpremiseofdemocraticsociety-that

allareequalintreatmentbygovernment-isundermined.Goodgovernmentrestsonan

understandingoftheinherentworthofeachindividual.

Thecourt/srulingisastepforwardinthestruggleagainstbothcorruptionandofficialfavoritism.

AccordingtoParagraph4,anofficialactisdeemedcorruptiveonlyifitinvolves().

A.concretereturnsforgift-givers

B.sizablegainsintheformofgifts

C.leakingsecretsintentionally

□.breakingcontractsofficially

32、资料：Gonearethedaysof"one-size-fits-all“employeebenefitsprogramsandherecome

newlydesignedandfullycustomizedvoluntarybenefits.Voluntarybenefitsareonlongerlooked

atasjustafew“extras”,andarenowbecomingpartofacomprehensivebenefitspackage.Lot's

takealookathowvoluntarybenefitshavebecomemorecustomizedtomeettherequirements

ofamoreparticularhealthcareconsumer.

VoluntaryBenefitsBolsterRecruitmentandRetentionEfforts

Itgivesemployeesachancetoselectextrasthatthestandardhealthcareplandoesn'toffer,

whichcanbehighlyattractivetotoday'sconsumersEmployerscanalsousevoluntarybenefitsto

roundouttheirhealthcareplanswithamenuofitemsthatcovereverythingfromfamilyvision

caretopetinsurance.Thishelpscompaniestoaddressthespecificheathandfinancialneedsof

candidates,tohelpthestretchtheirfuturepaychecksevenfurther.

TheAdvantagesofOfferingVoluntaryEmployeeBenefits

Intermsofbeingadaptabletotheneedsofemployees,thereareveryfewbenefitsthatarelike

voluntaryplans.Voluntaryplanscovermanyofthegapsthattraditionalhealthbenefitsdonot

cover.Forexample,ahealthcareplanmayrequiredentalservicesforminors,butnotforadults.

Thevoluntarydentalprogramcancoverthingslikeroutinecleaningsandotherpreventative

measuresthathelpsupportgoodoralhealth.

CustomizingVoluntaryBenefitPlans

Thereareseveralareaswherevoluntarybenefitplansexceedthecustomizationoptionsofother

typesofwellnessandfinancialbenefits.Thisisacontinualtrendthatwewillseemoreof.

Financialwellnessbenefitscanincludebudgetingsoftware,companymatchedsavingsplans,

employeepurchaseprograms,discountcards,creditunionaccess,andevenshorttermfinancing

tohelpemployeeswhootherwisecannotgetcredittopurchasethingstheyneed.Some

companiesoffersupportforbuyingofleasingvehicles,payoffcollegeloans,arrangeforspecial

discountsanddealsonhomerentalsandpurchases,andevenprovideaccesstotuitionfor

collegeexpenses.

Itcanbeinferredfromthepassagethat,comparingv/iththetraditionalhealthbenefits,

voluntaryplans

A.incurlesscostbythecompanytoofferbenefitprograms

B.covermanyofthegapsthattraditionalhealthbenefitsdonotcover

C.helpemployeeswhoaredealingwithtoughpersonalandcareermatters

0.encourageemployeestostaywiththeircompaniesforlongerperiodsoftime

33、市场营销观念有四个支柱：顾客导向、协调的市场营销、盈利性和（）。

A.产品中心

B.顾客中心

C.工厂中心

D.市场中心

34、资料：RahulChadha,co-chiefinvestmentofficerforHongKong-basedMiraeAssetGlobal

Investments,hasafewchartsheisparticularlyfondofwhenitcomestotellingastoryabout

investinginChina.

OneshowsincomegrowthinChina.Basedonthecurrentrateofexpansion,heexpectsthe

world'ssecond-biggesteconomywillachievehighincomestatus—definedasincomeofalmost

$12,500percapita—ineightyears.Thesecondshowsaratioofhousehold