2026年全国银行招聘之银行招聘综合知识考试重点试卷详细参考解析

姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 密封线 2026年银行招聘考试重点试题精编注意事项:1.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。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题卡规定位置。

3.部分必须使用2B铅笔填涂;非选择题部分必须使用黑色签字笔书写，字体工整，笔迹清楚。

4.请按照题号在答题卡上与题目对应的答题区域内规范作答，超出答题区域书写的答案无效:在草稿纸、试卷上答题无效。(参考答案和详细解析均在试卷末尾)一、选择题

1、商品内在的使用价值和价值的矛盾，其完备的外在表现形式是（）。A.商品与商品的对立B.具体劳动与抽象劳动的对立C.私人劳动与社会劳动的对立D.商品与货币的对立

2、同时同地，一根长1米的标杆的影长0.6米，一名修理工要爬至48米高的电视塔上修理设备，他竖直方向爬行的速度为0.4米/秒，则此人的影子移动的速度为（）米每秒。A.0.56B.0.24C.0.48D.0.36

3、Hehasmadeadiscovery,___ofgreatimportancetotheprogressofscienceandtechnology.A.whichIthinkitisB.whichIthinkisC.thinkwhichisD.ofwhichIthinkitis

4、银河系也是（）所在的恒星星系，是一个普通的旋涡星系。A.星星和月亮B.地球和太阳C.地球和月亮D.星星、月亮、卫星和彗星

5、预期违约侵犯了合同相对方的（）。A.完全债权B.既得债权C.期待债权D.自然债权

6、资料：之后，经济学家Mr.W谈了谈对中国的一些看法，请根据下列资料回答问题。Chinaisanemergingeconomicgiantwithalmostendlesspotentialforbusinessopportunities.Guanxi-meaning“connections”or“relationship”-isaChinesewayofdoingbusinessandispracticallyconsideredanartformthere.Itinvolvesexchanging“favors”whenyouneedsomethingdone.ManyChinesebusinesspeopleseeitasawaytosolidifyrelationships,getthingsdone,andcultivatewell-being.ToWesterners,however,itoftenlooksmorelikegraftintheformofbribery,nepotism,giftgiving,andkickbacks.Transparencyinternational,aGerman-basedcorruptionwatchdog,ranksChinaalongwithIndia,Russia,Turkey,Malaysia,andSouthAfricaasthecountrieswiththemostrampantcorruption.However,Chinaiscrackingdownbyenactingstricteranticorruptionlawsandprosecutingviolators.In2007,China’sformerdirectoroftheStateFoodandDrugAdministrationwasexecutedfortakingbribes.Whatcanbeinferredfrompassage?（）A.heGerman-basedcorruptionwatchdogisprobablyacommitteewhichmakessurethatcompaniesdonotactillegallyorirresponsiblyB.Bribery,nepotism,giftgiving,andkickbacksareillegalinthecommercialactivitiesC.WesternersaremorecriticalaboutGuanxiinbusinessD.Allofabove

7、MUN,which___ModelUnitedNations,isaconferencethatprovidesstudentsallovertheworldwiththeopportunitytoexperiencewhatit’sliketobeintheUnitedNations.A.standbyB.standsforC.standupD.standout

8、下列关于IP地址说法中错误的是（）。A.一个IP地址只能标识网络的唯一的一台计算机B.IP地址一般用点分十进制表示C.地址205.106.256.36是一个合法的IP地址D.同一个网络中不能有两台计算机的IP地址相同

9、犯罪的未遂可能发生在（）。A.犯罪着手以前B.犯罪着手以后C.犯罪预备阶段D.犯罪中止之后

10、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentanapartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarketgame",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthedisastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegottoknowhowitfelttolosemoney."Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywanttoteach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teachingstudentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit'stooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-financeclasseshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystatesincludingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduatefromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclassesforkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonlinepersonal-financeclassesforincomingstudents."Theseclassesreallysay,'Thisishowyouliveindependently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basicsapproachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalaryintoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-termgains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurantintoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutsoeasytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalsowantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyedaboutgaspricesbecausemanyofthemdrivecars.ButthehardpartisurgingthemtoputofftheinstantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthingsteenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,abusinessandmarketingteacheratUth’sRivertonHighSchool.That’sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheirparentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehasincreasedupto4.2percent,that’sstillafardistancefrom1982,whenAmericanssaved11.2percentoftheirincomes.“It’shardforschoolstoreachstrictmoney-managementskillswhenteenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It’sliketellingyourkidsnottosmokeandthenlightingupacigaretteinfrontofthem,”Becksays.Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolisworthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocalbankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollege.“Shejusthasabetterunderstandingofmoneyandhowitaffectstheworld,”sayshermother,Darleen－andthat’ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AllofthistalkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.Thepassageismainlyabout（）.A.waystoteachstudentstoearnmoneyB.howDianeRaylearnstovaluemoneyC.thepushtoteachpersonalfinanceinschoolD.howstudentschooseaproperfinancialclass

11、银行机构财务监管的内容不包括（）。A.收入的来源与结构B.支出的去向与结构C.资产的来源与结构D.收益的真实状况

12、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日，人民币汇率形成机制改革启动，开始实行以市场供求为基础、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，回答问题：根据国际货币基金的划分，目前我国香港地区实行的汇率制度是（）。A.货币局制B.传统的盯住汇率制C.事先不公开汇率目标的管理浮动D.单独浮动

13、Weutilized______films,semi-formalinterviewsandparticipantobservationtoexploretherelationshipbetweenurbanlivelihoodsandartcreation.A.silentB.romanticC.documentaryD.document

14、资料：Stressisacommonfactorinlife.Childrenexperiencestressfromschool,newsocialsituationsandsimplygrowingup.Adultsfeelthestressofworking,payingbills,raisingkidsandmaintaininghouseholds.Seniorsalsofeelstress,eventhoughsomemayhaveretired,raisedtheirchildrenandpaidofftheirhomes.Certainamountsofstressareapartoflifeforpeopleofallages.Forseniors,stresshasthepotentialtobeespeciallyoverwhelming.Thistypeoftensioninolderadultshasuniquecontributingfactors,suchasthelossofanelderlyspouseorfriends.Livingalonecanincreasethesenseofisolation.Sometimesthesimpletasksofeverydaylifecancausestressinthosewhoexperiencephysicalormedicallimitations.Theeffectsofstresscansometimesexacerbatehealthconditionsfromwhichsomeseniorssuffer,causingadditionalworry.Stresscanbedetectedinvariousways.Youmayfollowthefivemostcommonwaystofindoutifalovedone’sstressiscauseforconcern:1.Changesineatinghabits,suchasover-eatingorlossofappetite,canbecausedbyoverwhelmingstress.2.Moodswingsduetostressmaypresentinincreasedirritability,generalsadnessordepression.3.Memoryissuesmayariseintheformofincreasedforgetfulnessofnames,placesorotherthingsthatnormallycomenaturally.Lackofconcentrationmaybecomeaproblem.Someseniorsmayexercisepoorjudgment,suchasexcessivespendingwhentheyarealreadyonalimitedbudget.4.Physicalsignsofstresscanincludebodyachesandpainsorincreasedepisodesofillness.Changesinsleepingpatterns—eithertroublefallingasleeporinterruptednighttimesleep—cansignalsignificantstress.5.Seniorsexperiencingoverwhelmingstressoftenisolatethemselvesfromothers,refusingtosocializeorparticipateinactivitiestheyusedtoenjoy.What'sthemainthemeofthepassage?A.StressisexperiencedbyeveryoneB.StressiscommonandcanbedetectedC.StresscannotbepreventedD.Stressiseverywhereandhardtodealwith

15、观察数列的变化规律，然后为空缺处选出正确的数:4、15、18、31、36、51、（）。A.34B.22C.49D.58

16、资料：Wearepleasedtoinviteyoutoattendthe14thCanadianCollaborativeMentalHealthCareConference（14thCCMHCC）tobeheldonThursday，June27thandFriday，June28th，2013.Montrealhasbeenselectedasthehostcity.ThisannualeventwilltakeplaceattheDeltaCentreVileHotel，adowntownlocationwithineasywalkingdistanceoftheOldCity.YouwillbecharmedbytheuniquecharacterofthecityofMontreal，themetropolisoftheprovinceofQuebec.Forthoseofyouwhowishtoextendyourstay，youcancombinebusinessandpleasurebyattendingthe34thInternationalJazzFestivalofMontrealthatwillbeginonFriday，June28thandcontinueforthenext10days.The14thCCMHCCisorganizedbytheCanadianPsychiatricAssociationandtheCollegeofFamilyPhysiciansofCanadaCollaborativeWorkingGrouponSharedMentalHealthCare.Thisconferencewilltakeonabilingualcharacter.inFrenchandinEnglish，andsimultaneoustranslationwillbeavailableforthemainspeechesandpresentations.Thisisauniqueopportunitytobringtogetherpeoplewhoareinvolvedincollaborativementalhealthcare，andtocreatelinksthatconsolidateandenrichthenetworksamongthesestakeholders.Weareexpectingover300delegatesfromQuebec，Canadaandtheinternationalcommunity.Theinterestincollaborativementalhealthcareissharedbyawideaudience，includingparticularlyindividualslivingwithamentaldisorderandtheirfamilies，healthcareprofessionalsfromdifferentbackgrounds，managersanddecisionmakerscommunitygroupsworkinginthefield，physicians（includingfamilyphysicians，pediatriciansandpsychiatrists）.teachersfromacademicdepartments，researchersandcollaboratorsfromdifferentsectors（e.g.，emergencysocialservices，lawenforcementofficers，oremployers）Thisconferencewillprovideanadditionalimpetustocollaborativecare，anirresistiblemovementwhichredesignsthehealthcaresysteminordertoadaptittotherealitiesofthe21stcentury.Thethemeoftheconference，CollaborationandComplexity.SeekingOutNewFormsofLife，illustratestheemergingnatureofthestrategicvisionofcollaborativecare，settheclinicaloperationswithinacomplexcontextwhichfitsinthepostmodernsocietalmodelandpointsoutitsprofoundinnovativepotential.Weinvitesponsorshipsupporttohelpmakethisconferenceasuccess.Thereareseveralwaystohelp，additionalinformationwillbeprovidedshortly.WelookforwardtowelcomingyoutoMontreal！Accordingtothepassage，whichofthefollowingmayNOTbeamongthestakeholdersoftheconference？A.psychologistB.surgeonsC.researchersD.psychiatrists

17、Passage3Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingatarecordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperatorsinMiami—forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S,asanarrogantsuperpowerthathasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2000peak.ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico―asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,which,thanksinparttotheweakdollar,soared11percentbetweenMay2006andMay2007.Forfirstfivemonthsof2007,thetradedeficitactuallyfell7percentfrom2006.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstockbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeverage（饮料）business.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacationtoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.WhydoAmericansfeelhumiliated（）A.TheireconomyisplungingB.TheircurrencyhasslumpedC.Theycan’taffordtripstoEnglandD.Theyhavelosthalfoftheirassets

18、NorthAmerican______alsohaveastrongreputationintheIndianeducationalandlabormarkets.A.majorsB.degreeC.creditsD.diplomas

19、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

20、资料：Acknowledgingthatso-calledcloudcomputingwillblurthedistinctionsbetweencomputersandnetworks,abouttwodozenbiginformationtechnologycompaniesplantoannounceanewstandards-settinggroupforcomputernetworking.Thegroup,tobecalledtheOpenNetworkingFoundation,hopestohelpstandardizeasetoftechnologiespioneeredatStanfordandtheUniversityofCalifornia,Berkeley,andmeanttomakesmallandlargenetworksprogrammableinmuchthesamewaythatindividualcomputersare.Thechanges,ifwidelyadopted,wouldhaveimplicationsforglobaltelecommunicationsnetworksandlargecorporatedatacenters,butalsoforsmallhouseholdnetworks.Thebenefits,proponentssay,wouldbemoreflexibleandsecurenetworksthatarelesslikelytosufferfromcongestion.Someday,theysay,networksmightevenbelessexpensivetobuildandoperate.Thenewapproachcouldallowforsettingupon-demand"expresslanes"forvoiceanddatatrafficthatistime-sensitive.Oritmightletbigtelecommunicationscompanies,likeVerizonorAT&T,usesoftwaretocombineseveralfiberopticbackbonestemporarilyforparticularlyheavyinformationloadsandthenhavethemautomaticallyseparatewhenadatarushhourisover.Forhouseholds,thenewcapabilitiesmightletInternetserviceprovidersofferremoteserviceslikehomesecurityorenergycontrol.Thefoundation'sorganizersalsosaythenewtechnologieswillofferwaystoimprovecomputersecurityandcouldpossiblyenhanceindividualprivacywithinthee-commerceandsocialnetworkingmarkets.Thosemarketsarethefastest-growingusesforcomputingandnetworkresources.Whilethenewcapabilitiescouldbecrucialtonetworkengineers,forbusinessusersandconsumersthechangesmightbenomorenoticeablethanadvancesinplumbing,heatingandair-conditioning.Everythingmightworkbetter,butmostuserswouldprobablynotknow-orcare-whyorhow.ThemembersoftheOpenNetworkingFoundationwillincludeBroadcom,Brocade,Ciena,Cisco,Citrix,Dell,DeutscheTelekom,Ericsson,Facebook,Force10,Google,Hewlett-Packard,I.B.M.,Juniper,Marvell,Microsoft,NEC,Netgear,NTT,RiverbedTechnology,Verizon,VMWareandYahoo."Thisanswersaquestionthattheentireindustryhashad,andthatishowdoyouprovideownersandoperatorsoflargenetworkswiththeflexibilityofcontrolthattheywantinastandardizedfashion."saidNickMcKeown,aprofessorofelectricalengineeringandcomputerscienceatStanford,wherehisandcolleagues'workformspartofthetechnicalunderpinnings,calledOpenFlow.TheeffortisadeparturefromthetraditionalwaytheInternetworks.Asdesignedbymilitaryandacademicexpertsinthe1960s,theInternethasbeenbasedoninterconnectedcomputersthatsendandreceivepacketsofdata,payinglittleheedtothecontentandmakingfewdistinctionsamongthevarioustypesofsendersandreceiversofinformation.TheintelligenceintheoriginalInternetwasmeanttoresidelargelyattheendpointsofthenetwork-thecomputers-whilethespecializedroutingcomputerswererelativelydumbpostofficesofvarioussize,mainlyconfinedtoreadingaddressesandtransferringpacketsofdatatoadjacentsystems.Butthesedays,whencloudcomputingmeansalotoftheinformationisstoredandprocessedoncomputersoutonthenetwork,thereisgrowingneedformoreintelligentcontrolsystemstoorchestratethebehaviorofthousandsofroutingmachines.Itwillmakeitpossible,forexample,formanagersoflargenetworkstoprogramtheirnetworktoprioritizecertaintypesofdata,perhapstoensurequalityofserviceortoaddsecuritytocertainportionsofanetwork.ThedesignersarguethatbecauseOpenFlowshouldopenuphardwareandsoftwaresystemsthatcontroltheflowofInternetdatapackets,systemsthathavebeenclosedandproprietary,itwillcauseanewroundofinnovationfocusedprincipallyuponthevastcomputingsystemsknownascloudcomputers.ThepossiblebenefitsofthestandardizedtA.growinguseofcomputinginthee-commercemarketB.softwarefordatarushhoursC.improvedcomputersecurityD.networksthatarelessexpensivetobuild

21、资本家支付给工人的工资其本质上是（）。A.工人的劳动的价值B.工人全部劳动的报酬C.工人劳动的价格D.工人出卖的劳动力的价值或价格

22、下列统计指标中，属于相对指标的是（）。A.社会消费品零售总额B.人口性别比C.房屋建筑面积D.城镇居民人均可支配收入

23、Globalwarmingiscausingmorethan300,000deathsandabout$125billionineconomiclosseseachyear,accordingtoareportbytheGlobalHumanitarianForum,anorganizationledbyAnnan,theformerUnitedNationssecretarygeneral.Thereport,tobereleasedFriday,analyzeddataandexistingstudiesofhealth,disaster,populationandeconomictrends.Itfoundthathuman-influencedclimatechangewasraisingtheglobaldeathratesfromillnessesincludingmalnutritionandheat-relatedhealthproblems.Butevenbeforeitsrelease,thereportdrewcriticismfromsomeexpertsonclimateandrisk,whoquestioneditsmethodsandconclusions.Alongwiththedeaths,thereportsaidthatthelivesof325millionpeople,primarilyinpoorcountries,werebeingseriouslyaffectedbyclimatechange.Itprojectedthatthenumberwoulddoubleby2030.RogerPielkeJr.,apoliticalscientistattheUniversityofColorado,Boulder,whostudiesdisastertrends,saidtheForum'sreportwas"amethodologicalembarrassment"becausetherewasnowaytodistinguishdeathsoreconomiclossesrelatedtohuman-drivenglobalwarmingamidthemuchlargerlossesresultingfromthegrowthinpopulationsandeconomicdevelopmentinvulnerableregions.Dr.Pielkesaidthat“climatechangeisanimportantproblemrequiringourutmostattention.”Butthereport,hesaid,"willharmthecauseforactiononbothclimatechangeanddisastersbecauseitissodeeplyflawed."However,SorenAndreasen,asocialscientistatDalbergGlobalDevelopmentPartnerswhosupervisedthewritingofthereport,defendedit,sayingthatitwasclearthatthenumberswereroughestimates.Hesaidthereportwasaimedatworldleaders,whowillmeetinCopenhageninDecembertonegotiateanewinternationalclimatetreaty.Inapressreleasedescribingthereport,Mr.Annanstressedtheneedforthenegotiationstofocusonincreasingtheflowofmoneyfromrichtopoorregionstohelpreducetheirvulnerabilitytoclimatehazardswhilestillcurbingtheemissionsoftheheat-trappinggases.Morethan90%ofthehumanandeconomiclossesfromclimatechangeareoccurringinpoorcountries,accordingtothereport.WhatisSorenAndreasen'sviewofthereport?A.ItsconclusionsarebasedoncarefullycollecteddataB.ItisvulnerabletocriticismifthestatisticsarecloselyexaminedC.ItwillgiverisetoheateddiscussionsattheCopenhagenconferenceD.Itsroughestimatesaremeanttodrawtheattentionofworldleaders

24、1984年之前我国的中央银行制度类型属于（）。A.复合式B.单一式C.二元式D.准中央银行

25、公元前221年，秦王嬴政灭六国，实现统一，建立了秦朝，定都（）。A.洛阳B.咸阳C.北京D.南京

26、IfEnglishmeansendlessnewwords，difficultgrammarandsometimesstrangepronunciation，youarewrong.Haven’tyounoticedthatyouhavebecomesmartersinceyoustartedtolearnalanguage?AccordingtoanewstudybyaBritishuniversity，learningasecondlanguagecanleadtoanincreaseinyourbrainpower，Researchersfoundthatlearningotherlanguageschangesgreymatter.Thisistheareaofthebrainwhichprocessesinformation.Itissimilartothewaythatexercisebuildsmuscles.Thestudyalsofoundtheeffectisgreater，theyoungerpeoplelearnasecondlanguage.AteamledbyDrAndreaMechelli，fromUniversityCollegeLondon，tookagroupofBritonswhoonlyspokeEnglish.Theywerecomparedwithagroupof“earlybilinguals”whohadlearntasecondlanguagebeforetheageoffive，aswellasanumberoflaterlearners.Scansshowedthatgreymatterdensity（密度）inthebrainwasgreaterinbilingualsthaninpeoplewithoutasecondlanguage.Butthelongerapersonwaitedbeforemasteringanewlanguage，thesmallerthedifference.“Ourfindingssuggestthatthestructureofthebrainischangedbytheexperienceoflearningasecondlanguage，”saidthescientists.Itmeansthatthechangeitselfincreasestheabilitytolearn.ProfessorDylanVaughanJonesoftheUniversityofWaleshasresearchedthelinkbetweenbilingualismandmathsskills.“Havingtwolanguagesgivesyoutwowindowsontheworldandmakesthebrainmoreflexible，”hesaid.“Youareactuallygoingbeyondlanguageandhaveabetterunderstandingofdifferentideas.”ThefindingswerematchedinastudyofnativeItalianspeakerswhohadlearnedEnglishasasecondlanguagebetweentheagesof2and34.Reading，writing，andcomprehensionwerealltested.Theresultsshowed，thattheyoungertheystartedtolearn，thebetter.“Studyingalanguagemeansyougetanentrancetoanotherworld，”explainedthescientists.Inthelasttwoparagraphs，theauthorwantstotellusthat（）.A.learningasecondlanguageisthesameasstudyingmathB.ItalianisthebestchoiceforyouasasecondlanguageC.you’dbetterchoosetheagesbetween2and34tolearnasecondlanguageD.earlylearningofasecondlanguagehelpsyouagreatdealinstudyingothersubjects

27、在LM曲线的凯恩斯区域，（）。A.货币政策有效B.财政政策有效C.财政政策无效D.财政政策和货币政策同样无效

28、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.120000B.135000C.150000D.161000

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、1915年9月，标志着新文化运动开始的《青年》杂志是陈独秀创办于（）。A.北京B.上海C.广州D.东京

31、下列名画按创作时间排序正确的是（）。①王希孟——《千里江山图》②黄公望——《富春山居图》③顾恺之——《洛神赋图》④阎立本——《步辇图》A.①②③④B.②①④③C.③④①②D.④①③②

32、要求每个管理工作者必须从思想上明确：自己负责控制的对象是一个整体的动态系统，而不是一个个孤立分割的部分，应该从整体着眼对待部分，使部分服从整体。同时还应明确自己的位置，为更大的整体效益服务。这是（）。A.人本原理B.系统原理C.动态原理D.效益原理

33、在20世纪80年代中后期，由于温州很多企业生产假冒伪劣产品，导致了在全国市场上抵制“温州货”现象。这表明（）。A.使用价值是价值的物质承担者B.生产商品的个别劳动时间少于社会必要劳动时间C.生产商品的个别劳动时间多于社会必要劳动时间D.价值是使用价值的前提和基础

34、商业银行应选派精通现代金融理论及金融创新理论的高素质客户经理接洽业务的细分市场为（）。A.国有企业B.民营企业C.外商独资企业D.合资与合作企业

35、下列关于死刑的说法中，错误的是（）。A.死刑只适用于罪行极其严重的犯罪分子B.犯罪时不满l8周岁的人和审判时怀孕的妇女不适用死刑C.判决死刑立即执行的，由最高人民法院和最高人民法院授权的部分高级人民法院核准D.判处死刑缓期执行的，在死刑缓期执行期间，如果没有故意犯罪，两年期满后减为无期徒刑

36、Weshouldn’tignoretheimportanceof______ourhobbiesorgettinginvolvedinartsandcraftsactivities.A.amplifyingB.enhancingC.fosteringD.magnifying

37、下列既属于直接融资形式又属于间接融资形式的是（）。A.商业信用B.银行信用C.国家信用D.消费信用

38、2020年3月30日，联合国发表新闻公报，宣布（）将为联合国成立75周年活动提供视烦会议及数字通信工具。A.阿里巴巴B.华为公司C.百度公司D.腾讯公司

39、根据国现行宪法规定,我国实行由（）负责保障宪法实施的体制。A.司法机关B.立法机关C.专门机关D.行政机关

40、由于（）的存在，才产生了本期和其他期间的差异，从而出现了权责发生制和收付实现制。A.持续经营B.会计主体C.会计分期D.货币计量

41、在发挥金融中介作用的过程中，下列符合投资银行运作方式的有（)。A.资金供需双方是金融工具的借贷而不是买卖B.资金供需双方是资金借贷而不是金融工具的买卖C.在媒介过程中只发生资金供需双方之间的一次金融合约关系D.在资金媒介过程中发生资金供需双方的两次金融合约关系

42、Passage8Treesshouldonlybeprunedwhenthereisagoodandclearreasonfordoingsoand,fortunately,thenumberofsuchreasonsissmall.Pruninginvolvescuttingawayofovergrownandunwantedbranches,andtheinexperiencedgardenercanbeencouragedbythethoughtthatmoredamageresultsfromdoingitunnecessarilythanfromleavingthetreestogrowintheirownways.First,pruningmaybedonetomakesurethattreeshaveadesiredshapeorsize.Theobjectmaybetogetatreeoftherightheight,andatthesametimetohelpthegrowthofsmallsidebrancheswhichwillthickenitsappearanceorgiveitaspecialshape.Secondly,pruningmaybedonetomakethetreehealthier.Youmaycutoutdiseasedordeadwood,orbranchesthatarerubbingagainsteachotherandthuscausingwounds.ThehealthofatreemaybeencouragedbyremovingthebranchesthatareblockingupthecenterandsopreventingthefreemovementofairOneresultofpruningisthatanopenwoundisleftonthetreeandthisprovidesaneasyentryfordiseases,butitisawoundthatwillheal.Oftenthereisaracebetweenthehealingandthediseaseastowhetherthetreewillliveordie,orthatthereisaperiodwhenthetreeisatrisk.Itshouldbetheaimofeverygardenertoreducetheriskasfaraspossible.Itisessentialtomaketheareawhichhasbeenprunedsmoothandclean,forhealingwillbesloweddownbyroughness