2026年全国银行招聘之银行招聘综合知识考试快速提分题(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、用以反映债权债务或权利责任已经形成，但尚未涉及资金增减变化的会计事项以及保管债券、单证等事项的是（）。A.表内科目B.表外科目C.资产科目D.负债科目

2、对同一借款客户的贷款佘额与商业银行资本余额的比例不得超过（）。A.5%B.8%C.10%D.15%

3、Theboywantedtoplayfootballinthestreet，buthisfathertoldhim______.A.nottoB.notC.nottodoD.don’t

4、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

5、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

6、资料：Mostyoungpeopleenjoysomeformofphysicalactivity.Itmaybewalking,cyclingorswimming,orinwinter,skatingorskiing.Itmaybeagameofsomeforms,football,hockey,golf,ortennis.Itmaybemountaineering.Thosewhohaveapassionforclimbinghighanddifficultmountainsareoftenlookeduponwithastonishment.Whyaremenandwomenwillingtosuffercoldandhardship,andtotakerisksonhighmountains?Thisastonishmentiscausedprobablybythedifferencebetweenmountaineeringandotherformsofactivitytowhichmengivetheirleisure.Mountaineeringisasportandnotagame.Therearenoman-maderules,asthereareforsuchgamesasgolfandfootball.Thereare,ofcourse,rulesofadifferentthingthatitwouldbedangeroustoignore,butitisthisfreedomfromman-maderulesthatmakesmountaineeringattractivetomanypeople.Thosewhoclimbmountainsarefreetousetheirownmethods.Ifwecomparemountaineeringandothermorefamiliarsports,wemightthinkthatonebigdifferenceisthatmountaineeringisnota'teamgame'.Weshouldbemistakeninthis.Thereare,itistrue,no'matches'between'teams'ofclimbers,butwhenclimbersareonarockfacelinkedbyaropeonwhichtheirlivesmaydepend,thereisobviouslyteamwork.Themountainclimberknowsthathemayhavetofightforcesthatarestrongerandmorepowerfulthanmen.Hehastofighttheforcesofnature.Hissportrequireshighmentalandphysicalqualities.Amountainclimbercontinuestoimproveinskillyearafteryear.Askierisprobablypasthisbestbytheageofthirty,andmostinternationaltennischampionsareintheirearlytwenties.ButitisnotunusualformanoffiftyorsixtytoclimbthehighestmountainsintheAlps.Theymaytakemoretimethanyoungermen,buttheyprobablyclimbwithmoreskillandlesswasteofeffort,andtheircertainlyexperienceequalenjoyment.Mountaineerscompeteagainst___.A.natureB.eachotherC.otherteamsD.internationalstandards

7、小刘奉命采购机器零件，一种零件的单价是500元，另一种零件的单价是700元。这两种零件小刘都买了一些，且已知单价500元的零件数量占比不足50%。这次采购，小刘一共花了7100元，则他一共购买了（）件。A.11B.13C.14D.12

8、IBMnowhasincentiveto______orfireemployeesbeforethatDec.15date.A.laydownB.layoffC.layasideD.layout

9、资料：Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsareimaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,andstillothersarefrightening.Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleaboutadreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhisdreams.Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappenstohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.Peopleseeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Mostdreamsoccurincolor.Butpersonswhohavebeenblindsincebirthdonotseeatallindreams.Dreamsareaproductofthesleeper'smind.Theyincludeeventsandfeelingsthathehasexperienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesofthedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesorfears-especiallythoseheldsincechildhood-oftenappearindream.andmanydreamsfulfilsuchwishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofadream,buttheydonotcausedreams.Somedreamsinvolvedeepfeelingthatapersonmayrealizehehas.Psychiatristsoftenusematerialfromapatient’sdreamstohelpthepersonunderstandhimselfbetter.Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.Peoplewhogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousandrestless.Thispassageismainlyabout______.A.whatkindofbenefitsdreamsbringtopeopleB.whatdreamsareC.howwedreamduringsleepD.whywedreamduringsleep

10、我国企业国内发行债券所筹集的资金可用于(）。A.固定资产投资B.房地产买卖C.股票交易D.期货交易

11、目前国际公认的高技术前沿是指（）。A.航天航空技术B.计算机与信息技术C.生物技术D.新材料技术

12、以下属于中国银行业协会的会员单位的是（）。A.中国邮政储蓄银行B.证券公司C.金融控股公司D.财产保险公司

13、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

14、假如在某个发展中国家名义利率为8％，通货膨胀率为l7％，则实际利率为（）。A.25％B.1.36％C.-9％D.9％

15、Whichofthefollowingisorwasanexampleofrepresentativefull-bodiedmoney？（）。A.DebtmoneyB.ATSaccountC.GoldcertificateD.Demanddeposit

16、并非只有人类才有利他主义行为，这句话等同于（）。A.有些动物具有利他主义行为B.只有人类才有利他主义行为C.除了人类，其他动物都有利他主义行为D.利他主义行为并不是所有动物都具有

17、A公司计划通过四周的市场活动为其官方微博拉动人气。第一周A公司微博的关注人数增加了300人，往后三周每周的关注人数增量都是上一周增量的两倍。活动结束时A公司微博的关注人数是活动之前的4倍，则A公司活动前微博的关注人数是多少？（）A.1200B.1500C.1800D.2100

18、Twoyearsago,RupertMurdoch’sdaughter,Elisabeth,spokeofthe“unsettlingdearthofintegrityacrosssomanyofourinstitutions”.Integrityhadcollapsed,sheargued,becauseofacollectiveacceptancethattheonly"sortingmechanism"insocietyshouldbeprofitandthemarket.But"it'sus,humanbeings,wethepeoplewhocreatethesocietywewant,notprofit".Drivingherpointhome,shecontinued:“It’sincreasinglyapparentthattheabsenceofpurpose,ofamorallanguagewithingovernment,mediaorbusinesscouldbecomeoneofthemostdangerousgoalsforcapitalismandfreedom.”ThissameabsenceofmoralpurposewaswoundingcompaniessuchasNewsInternational,shethought,makingitmorelikelythatitwouldloseitswayasithadwithwidespreadillegaltelephonehacking.Asthehackingtrialconcludes-findingguiltyoneex-editoroftheNewsoftheWorld,AndyCoulson,forconspiringtohackphones,andfindinghispredecessor,RebekahBrooks,innocentofthesamecharge-thewiderissueofdearthofintegritystillstands.Journalistsareknowntohavehackedthephonesofupto5,500people.Thisishackingonanindustrialscale,aswasacknowledgedbyGlennMulcaire,themanhiredbytheNewsoftheWorldin2001tobethepointpersonforphonehacking.Othersawaittrial.Thissagastillunfolds.Inmanyrespects,thedearthofmoralpurposeframesnotonlythefactofsuchwidespreadphonehackingbutthetermsonwhichthetrialtookplace.OneoftheastonishingrevelationswashowlittleRebekahBrooksknewofwhatwentoninhernewsroom,howlittleshethoughttoaskandthefactthatsheneverinquiredhowthestoriesarrived.Thecoreofhersuccessfuldefensewasthatsheknewnothing.Intoday’sworld,ithasbecomenormalthatwell-paidexecutivesshouldnotbeaccountableforwhathappensintheorganizationsthattheyrun.Perhapsweshouldnotbesosurprised.Forageneration,thecollectivedoctrinehasbeenthatthesortingmechanismofsocietyshouldbeprofit.Thewordsthathavematteredareefficiency,flexibility,shareholdervalue,business-friendly,wealthgeneration,sales,impactand,innewspapers,circulation.Wordsdegradedtothemarginhavebeenjustice,fairness,tolerance,proportionalityandaccountability.ThepurposeofeditingtheNewsoftheWorldwasnottopromotereaderunderstanding,tobefairinwhatwaswrittenortobetrayanycommonhumanity.Itwastoruinlivesinthequestforcirculationandimpact.Ms.Brooksmayormaynothavehadsuspicionsabouthowherjournalistsgottheirstories,butsheaskednoquestions,gavenoinstructions-norreceivedtraceable,recordedanswers.Accordingtothefirsttwoparagraphs,Elisabethwasupsetby（）.A.theconsequencesofthecurrentsortingmechanismB.Companies’financiallossduetoimmoralpracticesC.governmentalineffectivenessonmoralissuesD.thewidemisuseofintegrityamonginstitutions

19、资料：Poorhealthisnotonlydamagingtoemployees,itisdetrimentaltobusinesses."Corporationspayaheavycostforstress-relatedillnesses,suchashypertension,gastrointestinalproblems,andsubstanceabuse."saysRubin."Upto90%ofalldoctorvisitsintheUnitedStatesareforstress-relatedillnesses,"accordingtoDr.MehetOzoftheDr.OzShow.Chronicstresshasavarietyofnegativesideeffectssuchasweightgain,lowerimmunesystem,increasedriskofdisease,andfatigue.Employersshouldencourageemployeestoreducestresslevelsandimprovetheiroverallhealth.Thefirststepistoeducateemployeesonhealthtopics.Providereadingmaterialsorofferseminars.Peoplecan'tmakepositivechangesiftheydon'tknowwhattochange.Onceemployeesknowabouthealthtopicssuchasstress,exercising,andhealthyeating.startahealthrelatedcompetitionsuchastheBiggestLoser.Thisoffersemployeesmotivationandasupportsystem.Iftheentireofficeisinvolved,employeeswillbemorelikelytoaccomplishtheirgoals.Tohelpemployeesmakepositivelifestylechanges,haveakitchenequippedwitharefrigeratorandmicrowavetopreparehealthyamountsofexercisethroughoutthedayarebeneficial.AccordingtoDr.Oz,"Exercisereleasesserotoninanddopamine.thefeel-goodhormonesthatbecomeblockedduringstress.Walkingstairsisagreatworkout.Onestudyshowedthatwalkingstairs7minutesadayreducestheriskofheartdiseasebytwo-thirds."Ifpossible,offeracompanydiscountongymmemberships.Thiswillencouragetomakepositivechoicesoutsideoftheofficeandtoexerciseregularly.Tocreateahealthyworkplace,theemployerscanA.buildmotivationandasupportsystemB.encouragebreakstodoexerciseC.buildakitchensothattheemployerscouldmakehealthymealsD.Allabove

20、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》

21、下列语句中没有语病的一项是（）。A.参加这次关于基因治疗技术论坛的各界人士在论坛期间就基因技术发展方向、应用前景、普及等众多议题为期两天发表意见并进行了深入、广泛的交流。B.一位领导表示，今年政府将会拨出专款用来改善棚户区居民的生活条件，尽量让所有人都能住上宽敞明亮的房子。C.这种病毒虽然传播速度慢，但极易致死，如果不研发出相关疫苗，疫情会逐渐扩散，给整个社会带来不可估量的损失。D.在政府的号召之下，K市数千名青年志愿者深入基层学雷锋活动，帮助老人们做家务，让他们不再那么孤单，无助。

22、Hehasbeenstudyinghereforthreeyears,bynextsummerhe_.A.willgraduateB.willhavegraduatedC.willbegraduatedD.willbegraduating

23、Thedoctorhitmejustbelowthekneetotestmy___.A.influxesB.inflowsC.flexesD.reflexes

24、劳动者在下列哪种情形中，用人单位可以解除劳动合同？（）A.劳动者患病或者非因公负伤，在规定的医疗期内的B.严重违反用人单位的规章制度的C.劳动者不能胜任工作，经过培训或者调整工作岗位，仍不能胜任工作的D.女职工在孕期、产期、哺乳期内的

25、如果一个社会的收入是绝对平衡的,那么，基尼系数将（）。A.等于1B.等于0C.大于1D.小于0

26、根据《个人外汇管理办法》的规定，下列说法不正确的是（）。A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户C.结算账户用于转账汇款等资金清算支付D.储蓄账户可用于外汇存取与转账

27、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

28、WangHongspeaksEnglishverywell.—_.ShecantalkwithAmericansfreely.A.IhopesoB.IhopenotC.IthinksoD.Idon’tthinkso

29、Hedidn’ttellthetruth.Thatreasoncouldnot（）hisabsencefromschool.A.takeintoconsiderationB.accountforC.makeoutD.makeupfor

30、主营业务利润率属于哪种财务比率（）。A.结构比率B.效率比率C.相关比率D.利润比率

31、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

32、The（）behindtheyellowtapeisprohibitedtoanyonewithoutapresspass.A.positingB.sceneryC.exteriorD.area

33、（）theAtlanticOceancrossestheequator,thetradewindscauseaflowofwatertothewest.A.ThatB.WhenC.WhereD.Though

34、当利率下降，对消费者的影响是（）。A.刺激消费，减少储蓄B.刺激消费，刺激储蓄C.抑制消费，抑制储蓄D.抑制消费，刺激储蓄

35、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,higherstandardsofoversightmightbenecessaryWhatcanbeinferredfrompassageontheeffectsofPSD2inthesecondparagraph（）A.CustomersaremorelikelytoenjoymoreinnovativeservicesB.PeoplewillnolongergotobankstodeposittheirmoneyC.ServiceprovidersdonotwanttopartnerwithbanksD.Peoplewillreceivemorepension

36、—“Isthere（）here?”—“No,BobandTimhaveaskedforleave.”A.anybodyB.everybodyC.somebodyD.nobody

37、下列史书，属于国别体体例的是（）。A.《左传》B.《战国策》C.《史记》D.《汉书》

38、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？（2）一个原因可能是新技术后果的评估和其问世之间存在滞后，在担心新技术对下一代造成的影响方面确实如此。人们的焦虑和趣闻轶事在不断增加。统计学中的一句格言是，轶事的复数形式不是“数据”，但可能是“媒体报道”。（3）在《心理科学》（PsychologicalScience）上发表的一篇论文中，杜克大学研究人员马德琳·乔治（MadeleineGeorge）和坎蒂丝·欧哲斯（Candiceodgers）评估了迄今为止有关社交媒体对青少年影响的科学证据。他们发现，青少年普遍沉浸于数字世界。在一项调查中，青少年每天发送60条短信，78%的青少年拥有能上网的手机。（4）但乔治·欧哲斯团队也发现，没有证据支持家长们的担心。他们的结论是，青少年在移动世界的体验与实际生活中的体验是相互平行的，前者不会取代后者。青少年主要利用移动设备与线下已经认识的朋友沟通。青少年会有不愉快的线上体验，但这些体验与他们在线下的不愉快体验类似。（5）2007年、2013年在荷兰和百慕大进行的两次大规模调查显示，线上沟通活跃的青少年有更多和更铁的朋友，小规模研究也得出了这样的结论。没有迹象表明移动设备使用的增加影响了青少年与其他人之间的友谊。（6）也有家长们担忧，移动技术会使孩子们与家长疏远或使孩子们容易受到陌生人侵害，但乔治·欧哲斯团队并没有发现支持这些担忧的证据。研究人员倒是发现，显示屏会影响睡眠，无论这是由LED屏幕发出的光线还是由“数字世界”带来的兴奋造成的。因此，让孩子（包括家长）不把手机放在床边是个不错的做法。（7）尽管有了这项研究的成果，以及之前有关技术引发灾难的预言都已落空，人们为什么相信移动设备对青少年的影响会不同于以往的新技术呢？一种原因可能是，技术和文化改变的体验对成年人和孩子们是不同的，心理学家称之为“文化棘轮”。每一代孩子会轻松和自动接受前几代人的全部技术，但每一代都会推出新技术，作为成年人，理解这些新技术要困难得多。（8）不可避免的是，在人们眼中，自己出生前的岁月像是伊甸园，孩子出生后的岁月就像是“疯狂的麦克斯”。本文第2段中的“媒体报道”最有可能是指下列的哪一项？（）A.使人焦虑的新闻事件B.反复重复的新闻报道C.扭曲夸张的新闻报道D.毫无根据的新闻报道

39、唐玄宗在位期间，出现了繁荣景象，这是我国古代史的哪次盛世？（)A.文景盛世B.永宣盛世C.开元盛世D.康乾盛世

40、为满足同一设备项目的融资需要，由政府贷款与出I21贷款共同组成的贷款，称之为（）。A.银团贷款B.混合贷款C.直接贷款D.间接贷款

41、阅读理解Passage1Thetablebeforewhichwesitmaybe,asthescientistmaintains,composedofdancingatoms,butitdoesnotrevealitselftousasanythingofthekind,anditisnotwithdancingatomsbutasolidandmotionlessobjectthatwelive.Soremoteisthis“real”table——andmostoftheother“realities”withwhichsciencedeals——thatitcannotbediscussedintermswhichhaveanyhumanvalue,andthoughitmayreceiveourpurelyintellectualcredenceitcannotbewovenintothepatternoflifeasitisled,incontradistinctiontolifeasweattemptit.Vibrationsintheether（以太）aresototallyunlikethecolor,purplethatthegulfbetweenthemcannotbebridged,andtheyare,toallintentsandpurposes，notonebuttwoseparatethingsofwhichthesecondandless“real”mustbethemostsignificantforus.Andjustasthesensationwhichhasledustoattributeallobjectiverealitytoanon-existentthingwhichwecalled“purple”ismoreimportantforhumanlifethantheconceptionofvibrationsofacertainfrequency;sotoothebeliefinGod;howeverillfounded,hasbeenmoreimportantinthelifeofmanthanthegermtheoryoftruethelattermaybe.Wemay,ifwelike,speakofconsequence,ascertainmysticslovetodo,ofthedifferentlevelsorordersoftruth.WemayadoptwhatisessentiallyaPlatonistic（布拉图式的）trickofthoughtandinsistuponpostulatingtheexistenceofexternalrealitieswhichcorrespondtotheneedsandmodesofhumanfeelingandwhich,sowemayinsist,havetheirbeinginsomepartoftheuniverseunreachablebyscience.Buttodosoistomakeanunwarrantableassumptionandtobeguiltyofthemetaphysicalfallacyoffailingtodistinguishbetweenatruthoffeelingandthatothersortoftruthwhichisdescribedas“truthofcorrespondence”anditisbetterperhaps,atleastforthoseofuswhohavegrownupinthought,tosteerclearofsuchconfusionsandtorestcontentwiththeadmissionthat,thoughtheuniversewithwhichsciencedealsistherealuniverse,yetwedonotandcannothaveanybutfleetingandimperfectcontactswithit;thatthemostimportantpartofourlives-oursensations,emotions,desiresandaspirations-takeplaceinauniverseofillusionswhichsciencecanattenuateordestroy,butwhichitispowerlesstoenrich.Thetopicofthisselectionis（）.A.thedistortionofrealitybyscienceB.theconfusioncausedbyemotionsC.PlatonicandcontemporaryviewsoftruthD.theplaceofscientifictruthinourlives

42、资料：AnewChinese-ledinternationaldevelopmentbankannounceditsfirstfourloansonSaturday,pledgingtolend$509millionforprojectstospreadelectricpowerinruralBangladesh,upgradelivingconditionsinslumsinIndonesia,andimproveroadsinPakistanandTajikistan.Atthefirstoftheannualgeneralmeetingsofininstitution,theAsianInfrastructureInvestmentBank,thebank’spresident,JinLiqun,saidtheprojectswerefinanciallysoundandenvironmentallyfriendlyandhadbeenacceptedbythepeopleintheprojectareas.TheroadinTajikistanisjustthreemileslong,butitwillhelpcleartrafficcongestiononanimportanttradingroutenearthecapital,Dushanbe.A$100millionloantoPakistanisfor40milesofhighwayinPunjabProvincethatwouldcompletethelastsectionofnationalartery,theM-4,thebanksaid.Threeoftheprojectsarebeingfinancedwithotherinstitutions-theAsianDevelopmentBank,theWorldBank,andtheEuropeanbankforReconstructionandDevelopment-anapproachthatallowedthenewbanktobegintheprojectsquickly.Thebank’s$165millionloantoexpandelectricityinruralareasofBangladeshisitsonlystand-aloneproject.Byfinancingprojectswithlong-establishedinstitutions,theBeijing-basedbankwasabletomovequicklybecauseworkonmeetingenvironmentalstandardsandprocurementpolicieshadbeencompleted,staffmembersatthebanksaid.AlthoughthenewbankwasChina’sidea,itisintendedtooperateasaninternationalbankdedicatedtoimprovingthebasicstructuresandfacilitiesneededtostimulatedevelopmentacrossAsia,Mr.JinsaidatanewsconferenceonSaturday.UnliketheWorldBankandtheAsianDevelopmentBank,theAsianInfrastructureInvestmentBankplaceslessemphasisonthereductionofpoverty,hesaid.Thebank“wasbornwiththebirthmarkofChina,butitsupbringingisinternational,”Mr.Jinsaid.Referringtothethreeotherinstitutionsthatwillfinancetheprojects,hesaid,“wecanworkwonderfullytogether.”Thenewbankisbeingwatchedclosely.TheUnitedStatesrefusedtojoinwhenitwasofferedmembershipin2014.Japanhasalsonotsoughtmembershipinthebank.ButPresidentObama’sadministrationwasmostlyconcernedthatthebankwouldchallengethecurrentdevelopmentarchitecture,theBrettonWoodssystemestablishedundertheleadershipoftheUnitedStatesafterWorldWarⅡ.Inthepastyear,Mr.JinhasworkedtoreassureWashington,largelybyagreeingtochooseprojectsthathavealreadybeenapprovedbytheWorldBank,theAsianDevelopmentBankandtheEuropeanBank.Hehasalsoemphasizedthatthenewbankwillbemorestreamlinedandstrivetobe“lean,greenandclean.”BritainwasthemosteageroftheWesterndemocraciestojointhebank,anditbrokerankswiththeUnitedStatesandbecameamemberinthefallof2014.OthermembersoftheEuropeanUnion,includingFranceandGermany,rushedinafterBritain.ThewithdrawalofBritainfromtheEuropeanUnionisnotexpectedtoaffectitsrelationshipwiththebank,Mr.Jinsaid.“IbelievetheUnitedKingdomwillcontinuetoplayanimportantroleinthedevelopmentofthebank,”hesaidatthenewsconference.AskedifhebelievedthatBritain’sdecisionshowedthattheoldguardwascrumblingquickerthanheexpected,Mr.Jindiplomaticallyrepliedthathehaddetectednosuch..（缺失）Twodozencountrieshaveexpressedinterestinjoiningthebank,andtheysentobserverstothetwo-daymeeting,Mr.Jinsaid.ThenewmemberswouldcomefromEasternEurope,LatinAmerica,andcouldjoinasearlyas（缺失）year.TheAsianInfrastructureInvestmentBank’sfirstfourloanswillgotothefollowingexcept().A.IndiaB.TajikistanC.PakistanD.Bangladesh

43、下列历史事件按时间排序正确的一组是（）A.百家争鸣——独尊儒术——新文化运动B.大泽乡起义——太平天国运动——安史之乱C.王安石变法——商鞅变法——戊戌变法D.贞观之治——文景之治——康乾盛世

44、Foodseemstohavebeen（）inthelocalmarkets,evenifthequalityleftmuchtobedesired.A.availableB.avoidableC.adorableD.advisable

45、()要求企业提供的会计信息应当反映与企业财务状况、经营成果和现金流量有关的所有重要交易或者事项。A.相关性B.及时性C.重要性D.可比性

46、资料：VirginAmericahelpedAirbuspipBoeingattheposttoretainitscrownastheworld’slargestcommercialplanemaker.Airbustraileditsarch-rivalBoeinginnumberofordersformostof2010butmovedaheadafteraflurryofsalesattheendoftheyear.AttheendofDecember,VirginAmerica,RichardBranson’supstartUSairline,ordered30oftheupdatedversionofAirbus’sA320model.AirbushaspromisedtheA320withthenewengineoptionwillcutfuelconsumptionandcarbonemissionsby15%comparedwiththeexistingmodels,figuresdisputedbyBoeingandsomeanalysts.The$5.1nd（￡3.2nd）contractwasthefirstorderfortheupdatedairplanes.TheVirgindealcappedayearwhenAirbustookordersfor644airplanesworth$84ndatlistprice.Boeingwon625grossorderswithalistpriceof$70nd.Itwasheldbackbydelaystoits787Dreamliner.BothAirbusandBoeingarerecoveringstronglyfromanindustryrecessionthatsawcombineddemandfortheirplanesfallbymorethantwo-thirdsin2009.Whitetherewerestilldozensofplanecancellationsin2010,andbothfirmshavestruggledwithdelays,Airbussecuredmorethantwicethenumberofairplaneordersin2010thatithadanticipated.TomEnders,chiefexecutive,said:”2010hasbeenbetterthanweexpected.Wewilllookat2011moreoptimistically.Growth,especiallyinaviation,isback,andthisislargelyduetoemergingmarkets.Asia,theMiddleEast,that’scertainlybeenthefocus.”LastweekAirbusannounceda$16nddealwithIndigofor180airplanes,thelargestsingleorderforaircraftincommercialaviationhistory.Theorderincludes30ofAirbus’soriginalA320single-aislejetsand150withAirbus’snewengine-optionA320s.AirbusdeliveredmoreplanesthanitsUSrivalfortheeighthconsecutiveyear.Itstotalof510deliveries,upfrom498in2009,toppedthe500markforthefirsttimeatAirbus.Lastyearthecompanysoldits10,000thplaneinits40-yearhistoryBoeingdeliveriesfellby4%to462airplanesfrom481.JohnLeahy,Airbussaleschief,said:“Therefiguresshowtheeconomyisimproving.Wehavedodgedthebulletonadouble-diprecession.AviationisgrowingagainbecauseofAsia,low-costcarriersemergingmarkets.Theonlynegativeonthehorizonisthefuelprice.”WhichofthefollowingisTRUEaccordingtothearticle?A.IndiGo’sorderforAirbus’snewengine-optionA320swasthefirstfirmorderfortheupdatedairplanesB.AirbusdeliveredmoreplanesthanBoeingin2006C.2009sawdemandforBoeing’splanesfallbutnotAirbus’sD.AirbuswasabletostayaheadofBoeinginnumberofordersthroughouttheyear2010

47、资料：Nocredit，badcreditHearthetermsoftenenoughandtheycanblurtogether.Thesecreditstatusesaren’toneandthesame，though.Whetheryouhavenocreditorbadcredit，onething’sforsure：Youdon’thavegoodcredit.Andwithoutgoodcredit，you’llfaceanuphillbattleanytimeyouapplyforaloanorcreditcard.Potentiallenderswillwanttoknowthatyouwillalmostcertainlyrepayanymoneythatyouborrow.Theylikelywon’triskloaningmoneyorextendingcredittothosewhosecreditworthinessisabigquestionmarkor，worse，whohaveatrackrecordofpoormoneymanagement.Ifyoufallintoeitherofthesecategories，it’ssmarttofocusonraisingyourcreditscores.Ifyouhavenocreditscore，youdon’thaveacredithistory.Ifyouhavebadcredit，it’slikelythatyou’vemishandledcreditinthepast.Andthesetwoless-than-idealcreditstandingsrequiredifferentsolutions.Ifyoufallintheno-creditcategory，youhaven’tnecessarilymadeanyfinancialmistakes.Inthiscase，agoodwaytostartbuildingthathistoryistoacquireacreditcardforpeoplewithnocredit.Securedcreditcards（whichrequireasecuritydeposit）orcollegestudentcreditcardsaretypicallytheeasiesttoqualifyforifyouhavenocredit.Acredit-builderloancanalsohelpyouestablishcredit.Badcreditcanbearesultoffinancialmissteps，includingmissingpayments，defaultingonloans，orhavingaccountssenttocollections.Ifyoufallintothiscategoryandneedcredit，you’llneedtolookforabad-creditcreditcard.Asecuredcardorcredit-builderloanisagoodoptioninthissituation，aswell.Youalsomayqualifyforabad-creditpersonalloan.Ifyoustillhaveopena