2026年全国银行招聘之银行招聘综合知识考试实战演练题（附答案）

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、Highlyemotional,lackinginself-confidence,heknockedaboutin____jobsasayoungmanbeforesettlingonthestudyofart.A.variousB.overallC.modifiedD.peculiar

2、下列担保中，属于人的担保的是（）。A.保证担保B.留置担保C.抵押担保D.质押担保

3、Passage2Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2.Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（网络攻击）.AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections.Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—suchaslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessaryAccordingtoparagraph3.whatistheprobablereasonthatprivacyconcernsaboutPSD2areunnecessary（）.A.ThirdpartieswillhavetobuyfraudinsuranceB.RegulatorshavecomeupwithpromisingsolutionsC.Banks'defenseagainstcyberattacksisstrongD.Thirdpartieswillcheckclients’datamonthly

4、甲做生意急需用钱，并与乙约定，乙借给甲10万元，甲将收藏的一件古董交给乙，若一年后如期还钱，乙就归还古董；若一年后未如期还钱，乙就出卖古董抵债。对此，甲与乙的关系属于（）。A.抵押关系B.质押关系C.留置关系D.侵权关系

5、货币转化为资本的决定性前提是（）。A.资本家集中大量货币B.劳动力成为商品C.生产资料成为商品D.消费资料成为商品

6、Itisofhighimportancethatyou___attheairportontime.A.arriveB.aretoarriveC.mustarriveD.needtoarrive

7、________yourchildwillleavehometoleadherownlifeasafullyindependentadult.A.EventuallyB.QuicklyC.UnanimouslyD.Uncertainly

8、Passage7Inarareunanimousruling,theUSSupremeCourthasoverturnedthecorruptionconvictionofaformerVirginiagovernor,RobertMcDonnell.Butitdidsowhileholdingitsnoseattheethicsofhisconduct,whichincludedacceptinggiftssuchasaRolexwatchandaFerrariAutomobilefromacompanyseekingaccesstogovernment.Thehighcourt’sdecisionsaidthejudgeinMr.McDonnell’strailfailedtotellajurythatitmustlookonlyathis“officialacts,”ortheformergovernor’sdecisionson“specific”and“unsettled”issuesrelatedtohisduties.Merelyhelpingagift-givergainaccesstootherofficials,unlessdonewithclearintenttopressurethoseofficials,isnotcorruption,thejusticesfound.Thecourtdidsuggestthatacceptingfavorsinreturnforopeningdoorsis“distasteful”and“nasty.”Butunderanti-briberylaws,proofmustbemadeofconcretebenefits,suchasapprovalofacontractorregulation.Simplyarrangingameeting,makingaphonecall,orhostinganeventisnotan“officialact.”Thecourt’srulingislegallysoundindefiningakindoffavoritismthatisnotcriminal.Electedleadersmustbeallowedtohelpsupportersdealwithbureaucraticproblemswithoutfearofprosecutionofbribery.“Thebasiccompactunderlyingrepresentativegovernment,”wroteChiefJusticeJohnRobertsforthecourt,“assumesthatpublicofficialswillhearfromtheirconstituentsandactontheirconcerns.”Buttherulingreinforcestheneedforcitizensandtheirelectedrepresentatives,notthecourts,toensureequalityofaccesstogovernment.Officialsmustnotbeallowedtoplayfavoritesinprovidinginformationorinarrangingmeetingssimplybecauseanindividualorgroupprovidesacampaigndonationorapersonalgift.Thistypeofintegrityrequireswill-enforcedlawsingovernmenttransparency,suchasrecordsofofficialmeetings,rulesonlobbying,andinformationabouteachelectedleader’ssourceofwealth.Favoritisminofficialaccesscanfanpublicperceptionsofcorruption.Butitisnotalwayscorruption.Ratherofficialsmustavoiddoublestandards,ordifferenttypesofaccessforaveragepeopleandthewealthy.Ifconnectionscanbebought,abasicpremiseofdemocraticsociety–thatallareequalintreatmentbygovernment-isundermined.Goodgovernmentrestsonanunderstandingoftheinherentworthofeachindividual.Thecourt’srulingisastepforwardinthestruggleagainstbothcorruptionandofficialfavoritism.AccordingtoParagraph4,anofficialactisdeemedcorruptiveonlyifitinvolves（）.A.concretereturnsforgift-giversB.sizablegainsintheformofgiftsC.leakingsecretsintentionallyD.breakingcontractsofficially

9、（）与资产业务、负债业务一起构成商业银行的三大业务。A.中间业务B.现金业务C.证券投资业务D.贷款业务

10、下列不属于无线通信线路的是（）。A.微波B.光纤C.无线电D.激光

11、设a，b均为正整数，且有等式11a＋7b＝132成立，则a的值为？（）A.6B.4C.3D.5

12、人民代表大会制度的核心内容是（）。A.民主集中制B.国家的一切权力属于人民C.坚持中国共产党的领导D.广泛的人民参与

13、Themonitorhas（）usoftomorrow’smeeting.A.toldB.saidC.informedD.reported

14、根据科曼提出的领导生命周期理论，通过领导的工作行为、领导的关系行为和下属的成熟度建立一个三维结构的有效领导模型，其中（）具有低工作行为、低关系行为和适用于成熟度高的下属。A.说服型领导B.授权型领导C.参与型领导D.命令型领导

15、生产者的短期成本一定（）长期成本。A.高于B.低于C.等于D.都有可能

16、Weshouldthinklongtermandtake____measures.A.primitiveB.productiveC.permissiveD.proactive

17、Someexpertsnotethatchildren’sperformancesare____moreinfluencedbyparentsthanbyteacher.A.quiteB.manyC.almostD.far

18、2019年1-5月，中关村示范区规模（限额）以上高新技术企业实现总收入21615.1亿元，比上年同期增长12.9%，增幅比1-4月提高0.2个百分点。主要运行情况如下：重点高新技术领域保持增长。1-5月，中关村重点监测六大高新技术领域共实现总收入17445.2亿元，占中关村总收入的80.7%。其中，电子与信息、先进制造领域增势较好，比上年同期分别增长14.7%和13.1%。企业科技创新活跃。1-5月，中关村研发人员合计58.6万人，比上年同期增长1.8%，研究开发费用合计866.8亿元，比上年同期增长17.9%。2019年1-5月中关村示范区总收入及技术收入增速图2019年1-4月份，中关村示范区规模（限额）以上高新技术企业比上年同期增长约（）。A.12.9%B.12.7%C.13.1%D.数据不足，难以得出

19、当人静止地站在斜坡式电梯上随电梯一起向上运动时（手与电梯不接触），下列表述准确的是（）。A.人不受摩擦力作用B.人所受的摩擦力方向沿电梯面向下C.人所受的摩擦力方向沿电梯面向上D.人所受的摩擦力方向可能沿电梯向上，也可能向下

20、资料：Whenweseewell，wedonotthinkaboutoureyesveryoften.Itisonlywhenwecannotseeperfectlythatwerealizehowimportantoureyesare.Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes，Everythingelseseemsblurry（=unclear）.Manypeoplewhodoalotofwork，suchaswriting，readingandsewingbecomenear-sighted.Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefaraway，buttheyhavedifficultyinreadingabookunlesstheyholditatarm’slength.Iftheywanttodomuchreading，theymustgetglasses，too.Otherpeopledonotseeclearlybecausetheireyesarenotexactlytherightshape.Theyhavewhatiscalledastigmatism.This，too，canbecorrectedbyglasses.Somepeople’seyesbecomecloudybecauseofcataracts.Longagothesepeopleoftenbecameblind.Now，however，itispossibletooperateonthecataractsandremovethem.Havingtwogoodeyesisimportantforjudgingdistances.Eacheyeseesthingsfromaslightlydifferentangle.Toprovethistoyourself，lookatanobjectoutofoneeye；Thenlookatthesameobjectoutofyourothereye.Youwillfindtheobject’srelationtothebackgroundandotherthingsaroundithaschanged.Thedifferencebetweenthesetwodifferenteyeviewshelpsustojudgehowfarawayanobjectis.Peoplewhohaveonlyoneeyecannotjudgedistanceaspeoplewithtwoeyes.Theunderlinedwordsufferinthethirdparagraphprobablymeans______.A.feelpainB.imagineC.areaffectedwithD.experience

21、（）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

22、假定某产业资本家依靠借贷资本200万元，平均利润率为18％，年利息率为10％，该产业资本家获得的企业利润为（）。A.16万元B.20万元C.36万元D.40万元

23、OPECholdsmeetingsfrequentlysoastoregulatetheoutpof__oil.A.firstB.crudeC.originalD.primary

24、Yourselectionwillarriveinseventotendaysandwillbefollowedby（）deliverieseverysixweeks.A.additionalB.momentaryC.mutualD.thorough

25、工厂有5条效率不同的生产线。某个生产项目如果任选3条生产线一起加工，最快需要6天整，最慢需要12天整；5条生产线一起加工，则需要5天整。问如果所有生产线的产能都扩大一倍，任选2条生产线一起加工最多需要多少天完成？（）A.11B.13C.15D.30

26、某企业生产一种产品，2009年3月1日期初在产品成本为7万元：3月份发生如下费用：生产领用材料12万元，生产工人工资4万元，制造费用2万元，管理费用3万元，广告费用6万元；月末在产品成本为6万元。该企业3月份完工产品的生产成本为（）万元。A.16.6B.18C.19D.23.6

27、在其他条件不变的情况下，如果央行调高法定存款准备金率，那么货币系数（）。A.保持不变B.将变大C.将变小D.难以确定

28、Passage9Readingisthoughttobeakindofconversationbetweenthereaderandthetext.Thereaderputsquestionsasitweretothetextandgetsanswers.Inthelightoftheseheputsfurtherquestions,andsoon.Formostofthetime,thisconversationgoesonbelowthelevelofconsciousness.Attimes,however,webecomeawareofit.Thisisusuallywhenwearerunningintodifficulties,whenmismatchisoccurringbetweenexpectationsandmeaning.Whensuccessfulmatchingisbeingexperienced,ourquestioningofthetextcontinuesattheunconsciouslevel.Differentpeopleconversewiththetextdifferently.Somestayveryclosetothewordsonthepage;otherstakeoffimaginativelyfromthewords,interpreting,criticizing,analyzingandexamining.Theformerrepresentsakindofcomprehension,whichiswritteninthetext.Thelatterrepresentshigherlevelsofcomprehension.Thebalancebetweentheseisimportant,especiallyforadvancedreaders.Thereisanotherconversationwhichfromourpointofviewisequallyimportant,andthatistodonotwithwhatisreadbutwithhowitisread.Wecallthisaprocessconversationasopposedtoacontentconversation.Itisconcernednotwithmeaningbutwiththestrategiesweemployinreading.Ifweareadvancedreadersourabilitytoholdacontentconversationwithatextisusuallyprettywelldeveloped.Notsoourabilitytoholdaprocessconversation.Itispreciselythiskindofconversationthatisofimportancewhenweareseekingtodevelopourreadingtomeetthenewdemandsbeingplaceduponusbystudyingatahigherlevel.A“process”conversationhastodowith（）.A.theapplicationofreadingstrategiesB.matchingourexpectationswiththemeaningofatextC.thedevelopmentofourabilitytocheckthedetailsD.determiningthemainideaofatext

29、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》

30、Heappreciated______thechancetodeliverhisthesisintheannualsymposiumonComparativeLiterature.A.tohavebeengivenB.tohavegivenC.havinggivenD.havingbeengiven

31、2012年GDP增速目标为（）；全年CPI控制在4%。A.7.5%B.7.8%C.7.6%D.8%

32、资料：RahulChadha,co-chiefinvestmentofficerforHongKong-basedMiraeAssetGlobalInvestments,hasafewchartsheisparticularlyfondofwhenitcomestotellingastoryaboutinvestinginChina.OneshowsincomegrowthinChina.Basedonthecurrentrateofexpansion,heexpectstheworld'ssecond-biggesteconomywillachievehighincomestatus—definedasincomeofalmost$12,500percapita—ineightyears.Thesecondshowsaratioofhouseholddebttogrossdomesticproductforanumberofcountries.ForthriftymainlandChinahouseholds,theratiois28percent.ThatcomparestoIndiaatoneendofthescaleat15percentandtheUKattheotherwith90percent.So,basedontheirincomeandpotentialtoborrow,theChinesehavespendingpowerandthepotentialtoincreaseit.ThegrowingmuscleofChineseconsumersisnot,ofcourse,anewinvestmentthemewhenitcomestoAsia.Butatatimewhenwagegrowthismutedinotherlargeeconomies,suchastheUSandtheEurozone,thesituationinChinaissurprisinglyoverlookedratherthancelebrated.DisposableincomeperhouseholdinChinarose7.3percentinrealtermsinthefirsthalfofthisyear.Thatsurpassesthe6.9percentpaceatwhichtheeconomyexpandedintheperiod.Moreover,thenumberofjobscreatedinurbanareascameinat8.55minthefirstsevenmonthsof2017,accordingtodatafromJPMorgan,nottoofarfromtheyear-endtargetof11m.Insharpcontrast,Indiaisgeneratingroughly1mjobsayearatatimewhenitneedstofashion10timesmoretoabsorbtheyouthstreaminginfromthecountrysideinsearchofabetterliving.It'snotjustthelevelofincomethatisimprovinginChina.Itsdistributionistoo.Thegovernmentisspendingmoreonasocialsafetynet,andprovidesmorebywayofpensionsandmedicines,includingmedicalcareandeducation.“Inawaythisiscatchup,”HaibinZhu,chiefChinaeconomistatJPMorgan,saysoftheincomegrowthinChina.“Inawayitreflectsthefactthattheworkingagepopulationisdeclining.Butforthepast10yearsincomeisgoingupforthemajorityofpeoplesteadilyandgradually.”It'sanespeciallynotableachievementgiventhatsomeoftheotherforcesatworkintheChineseconomyarefarfromhelpful.Theexpansionofthesharingeconomyandevergrowingroleoftechnologyacrossmostsectorsisultimatelydeflationary.Automationisincreasinglydisplacingmanufacturingjobs.Atthesametime,sophisticatedcomputersarenoweliminatinglowendservicejobs.Asinvestorssurveytheeffectsofincomegrowth,itistheneweconomy,withitsemphasisonservicesandconsumption,andprivatecompaniesinit,thatarethebeneficiariesastheycatertotheappetitesofagrowingmiddleclass.MrChadha,forexample,isafanofcompaniessuchasCtrip,anonlinetravelapp,healthcare,insurerssuchasPingAn,（ratherthanthestateownedbehemoths）andinternetande-commercefirms.Ctripforexamplehas75percentmarketshareinonlinetravel.Whichofthefollowingstatementisfalse?A.TheworkforceinChinahasincreasedinpasttenyearsB.internetfirmsbenefitalotfromtheincomegrowthC.TheChinesegovernmentisimprovingthesocialwelfareforpeopleD.thepercapitaincomeinChinaisexpectedto$12,500ineightyears

33、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

34、Passage1TheIMFbelievesthateconomicgrowthispickingup,soundsfamiliar.Aprilisthecruelestmonth,breedinglilacsoutofthedeadland,and,inWashington,chirpyforecastsfromtheIMFthatoftenproveabittoochirpy.OnApril18ththefundreleaseditssemi-annualWorldEconomicOutlook（WEO）,raisingitsforecastforglobalgrowthin2017to3.5%.Growthforecastsfortheemergingworldhavenotchanged.TheIMF'sglobaloptimismisbasedinsteadonhopesofincreasedgrowthintherichworld.ThefundtakesarosyviewoftheAmericaneconomy,citingbothhighlevelsofconsumerconfidenceandDonaldTrump'splansformoregovernmentspending.InBritaintheIMFnowreckonsGDPwillgrowby2.0%in2017,upfromearlierestimatesof1.5%（issuedinJanuary）and1.1%（lastOctober）.TheIMFhasalsoraiseditsforecastsforJapanandtheeuroarea.SniperspointoutthatIMFforecastshavebeenfarfromperfect.Someglitchesareexcusable.Inthespringof1990,itpredictedthatKuwait'seconomywouldgrowby0.8%thatyear.Itactuallyfellby26%.What’stheauthor’sattitudeaccordingtothepassage?（）A.indifferentB.impartialC.sarcasticD.pessimistic

35、资料：Upto80percentoftheworld’smiddleclasseswillliveindevelopingcountriesby2030thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreportpublishedonThursday.“Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedsodramaticallyandsofast.”concludestheUN’slatestDevelopmentReport.“Theworldiswitnessinganepochal‘globalrebalancing’.”Underpinningtheimprovementsinthehumandevelopmentindex（HDI）wasrapidgrowthincountriessuchasChina,IndiaandBrazil,withChinaandIndiahavingdoubledpercapitaeconomicoutputinlessthan20years.ButthestudystressedthatgrowthandimprovementsinHDIspreadfarbeyondthefourBriccountriesofBrazil,Russia,IndiaandChina,andincludedatleast40countriesthathadaccompaniedgreatereconomicdynamismwitheffectivepoverty-reductionpolicies.Afghanistan,SierraLeone,Ethiopia,RwandaandAngolawereamong14countriesthathaverecordedgainsinHDIofmorethan2percentayearsince2000.Partlyasaresult,thereportfoundthatworldwideextremeincomepovertyhasplungedfrom43percentin1990tojust22percentin2008,includingmorethan500mbeingliftedoutofpovertyinChinaalone.Thereportstatedthatsuchgainshadalreadyhelpedtheworldachievethemainpovertyeradicationgoaloftheso-calledMillenniumDevelopmentGoals,whichcalledfortheshareofpeoplelivingonlessthan$1.25adaytobecutbyhalffrom1990to2015.Underpinningthispovertyreductionwasdevelopingcountries’increasingshareofglobaltrade,whichgrewfrom25percentto47percentbetween1980and2010.“Thesouthasawholeisdrivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies,”saysthereport.Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,increasingfromlessthan10percentoftotalglobaltradetomorethan30percent.“Tradebetweencountriesinthesouthwillovertakethatbetweendevelopednations,”thereportsaid.“Morethan500mbeingliftedoutofpovertyinChinaalone”illustrates______.A.theeconomicdevelopmentofChinaisimportantB.theroleofsomedevelopingcountriesissignificantforpovertyreductionC.14countriesaredevelopingfasterthanChinaD.itiscrucialtomakeacleargoalfirst

36、下列文种中．行文方向固定的是（）。A.批复B.意见C.函D.纪要

37、水平标尺出现在word工作区的（）。A.左侧B.顶部C.右侧D.底部

38、Howquicklytheyaccomplishthistransferdependsnotonlyonhowsoontheantsagreeonthebestavailablesitebutalsoonhowquicklytheycan_____there.A.stayB.migrateC.chooseD.prefer

39、Passage2OneeveninginFebruary2007,astudentnamedPaulaCeelybroughthercartoastoponaremoteroadinWales.Shegotouttoopenametalgatethatblockedherpath.That’swhensheheardthewhistlesoundedbythedriverofatrain.HerRenaultCliowasparkedacrossarailwayline.Secondslater,shewatchedthetraindraghercaralmostakilometredowntherailwaytracks.Ceely’snearmissmadethenewsbecausesheblameditonherGPS（导航仪）.Shehadneverdriventheroutebefore.Itwasdarkandrainingheavily.CeelywasrelyingonherGPS,butitmadenomentionofthecrossing.“Iputmycompletetrustinthedeviceanditledmerightintothepathofaspeedingtrain,”shetoldtheBBC.Whoistoblamehere?RickStevenson,whotellsCeely’sstoryinhisbookWhenMachinesFailUs,pointsthefingeratthelimitationsoftechnology.Weputourfaithindigitaldevices,hesays,butourdigitalhelpersaretoooftennotuptothejob.Theyarefilledwithsmallproblems.Andit’snotjustGPSdevices:Stevensontakesusonatourofdigitaldisastersinvolvingeverythingfrommobilephonestowirelesskeyboards.Theproblemwithhisargumentinthebookisthatit’snotclearwhyheonlyfocusesondigitaltechnology,whiletheremaybeanumberofotherpossiblecauses.Amap-makermighthaveleftthecrossingoffapapermap.MaybeweshouldblameCeelyfornotpayingattention.Perhapstherailwayauthoritiesareatfaultforpoorsingallingsystem.OrmaybesomeonehasstudiedtherelativedangersandworkedoutthattherereallyissomethingspecificwrongwiththeGPSequipment.ButStevensondoesn’tsay.It’saproblemthatrunsthroughthebook.Inasectiononcars,Stevensongivesanaccountoftheadvancedtechniquesthatcriminalsusetodefeatcomputer-basedlockingsystemsforcars.Heofferstwoindependentsetsoffiguresoncartheft;bothshowasmallriseinsomepartsofthecountry.Hesaysthatonceagainnotallnewlockshaveprovedreliable.Perhaps,butmaybeit’salsoduetotheshortageofpolicemenonthestreets.Orchangingsocialcircumstances.Orsomecombinationofthesefactors.Thegamebetweenhumansandtheirsmartdevicesisamusingandcomplex.Itisshapedbyeconomicsandpsychologyandthecultureswelivein.Somewhereinthemixofthoseforcestheremaybeawayforawiseruseoftechnology.Ifthereissuchaway,itshouldinvolvemorethanjustanawarenessoftheshortcomingsofourmachines.Afterall,wehavelivedwiththemforthousandsofyears.Theyhaveprobablybeenfoolingusforjustaslong.WhichofthefollowingwouldRickStevensonmostprobablyagreewith?（）A.Moderntechnologyiswhatwecan’tlivewithoutB.DigitaltechnologyoftenfallsshortofourexpectationC.gitaldevicesaremorereliablethantheyusedtobeD.GPSerrorisnottheonlycauseforCeely’saccident

40、Passage7Ifyou'veeverstartedasentencewith,"IfIwereyou"orfoundyourselfscratchingyourheadatacolleague'sagonyoveradecisionwhentheansweriscrystal-clear,there'sascientificreasonbehindit.Ourowndecision-makingabilitiescanbecomedepletedoverthecourseofthedaycausingindecisionorpoorchoices,butchoosingonbehalfofsomeoneelseisanenjoyabletaskthatdoesn'tsufferthesamepitfalls.Theproblemis"decisionfatigue,"apsychologicalphenomenonthattakesatollonthequalityofyourchoicesafteralongdayofdecisionmaking,saysEvanPolman,aleadingpsychologist.Physicianswhohavebeenonthejobforseveralhours,forexample,aremorelikelytoprescribeantibioticstopatientswhenit'sunwisetodoso."Presumablyit'sbecauseit'ssimpleandeasytowriteaprescriptionandconsiderapatientcaseclosedratherthaninvestigatefurther,"Polmansays.Butdecisionfatiguegoesawaywhenyouaremakingthedecisionforsomeoneelse.Whenpeopleimaginethemselvesasadvisersandimaginetheirownchoicesasbelongingtosomeoneelse,theyfeellesstiredandrelylessondecisionshortcutstomakethosechoices."Bytakingupontheroleofadviserratherthandecisionmaker,onedoesnotsuffertheconsequencesofdecisionfatigue,"hesays."It'sasifthere'ssomethingfunandliberatingaboutmakingsomeoneelse'schoice."Gettinginputfromothersnotonlyoffersafreshperspectiveandthoughtprocess;itoftenalsoincludesriskierchoices.Whilethissoundsundesirable,itcanbequitegood,saysPolman."Whenpeopleexperiencedecisionfatigue-whentheyaretiredofmakingchoices-theyhaveatendencytochoosetogowiththestatusquo（现状）,"hesays."Butthestatusquocanbeproblematic,sinceachangeinthecourseofactioncansometimesbeimportantandleadtoapositiveoutcome."Inordertoachieveasuccessfuloutcomeorreward,somelevelofriskisalmostalwaysessential."Peoplewhoaresusceptibletodecisionfatiguewilllikelychoosetodonothingoversomething,"hesays,"That'snottosaythatriskisalwaysgood,butitisrelatedtotakingaction9whereasdecisionfatigueassuredlyleadstoinactionandthepossiblechagrin（懊恼）ofadecisionmakerwhomightotherwisepreferanewcoursebutisunfortunatelyhindered."Justbecauseyoucanmakegoodchoicesforothersdoesn'tmeanyou'lldothesameforyourself,Polmancautions."Researchhasfoundthatwomennegotiatehighersalariesforothersthantheydoforthemselves,"hesays,addingthatpeopleslipinandoutofdecisionroles.Whatdoestheexampleaboutthephysiciansillustrate（）A.PatientsseldomreceiveduecaretowardstheendofthedayB.Prescriptionofantibioticscanbeharmfultopatients'healthC.cisionfatiguemaypreventpeoplemakingwisedecisionsD.Medicaldoctorsareespeciallysusceptibletodecisionfatigue

41、当外汇业务发生时，对有人民币外汇汇率的外币，都直接以（）为记账单位。A.外币B.原币C.外币或者原币D.依情况而定使用何种货币

42、资料：Peoplediffergreatlyintheirreadinesstotrynewproducts.Ineachproductarea，thereare“consumptionpioneers”andearlyadopters.Otherindividualsadoptnewproductsmuchlater.Afteraslowstart，anincreasingnumberofpeopleadoptthenewproduct.Thefive-adoptergroupshavedifferentvalues.Innovatorsareventuresome-theytrynewideasatrisk.Earlyadoptersareguidedbyrespect-theyareopinionleadersintheircommunitiesandadoptnewideasearlybutcarefully.Theearlymajorityaredeliberate-althoughtheyrarelyareleaders，theyadoptnewideasbeforetheaverageperson.Thelatemajorityskeptical-theyadoptaninnovationonlyafteramajorityofpeoplehavetriedit.Finally，laggardsaretraditionbound-theyaresuspiciousofchangesandadopttheinnovationonlywhenithasbecomesomethingofatraditionitself.Whichgroupadoptsnewideasbeforetheaverageperson？A.EarlyadoptersB.InnovatorsC.TheearlymajorityD.Allabove

43、R公司为增值税一般纳税人，增值税率为17%，消费税率为10%。2017年1月1日，委托加工一批实际成本为50000元的原材料，收回后将用于继续加工应税消费品。现收回该批材料，并支出加工费2000元，增值税340元，消费税8000元。假定不考虑其他因素，收回该批入账价值为（）元。A.60340B.60000C.52340D.52000

44、资料：Gonearethedaysof“one-size-fits-all”employeebenefitsprogramsandherecomenewlydesignedandfullycustomizedvoluntarybenefits.Voluntarybenefitsareonlongerlookedatasjustafew“extras”,andarenowbecomingpartofacomprehensivebenefitspackage.Lot'stakealookathowvoluntarybenefitshavebecomemorecustomizedtomeettherequirementsofamoreparticularhealthcareconsumer.VoluntaryBenefitsBolsterRecruitmentandRetentionEffortsItgivesemployeesachancetoselectextrasthatthestandardhealthcareplandoesn'toffer,whichcanbehighlyattractivetotoday'sconsumersEmployerscanalsousevoluntarybenefitstoroundouttheirhealthcareplanswithamenuofitemsthatcovereverythingfromfamilyvisioncaretopetinsurance.Thishelpscompaniestoaddressthespecificheathandfinancialneedsofcandidates,tohelpthestretchtheirfuturepaychecksevenfurther.T