2026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）

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、Weallconvincedthattheprojectwas（）.A.fertileB.inevitableC.inherentD.feasible

2、资料：Youcannotgoforwardbygoingbackward.Takethecurrentdebateabouttradeandglobalization,forinstance,whiletheimpulsetoerecttradebarriersisunderstandablegiventhepainexperiencedinrecentyears,itisnotthewaytocreatelastinggrowthandsharedprosperity.Overthepastthreedecades,globalflowsoftradeandinvestmenthaveaccelerateddramatically,creatingenormouseconomicvalue.However,tradeandglobalizationhavealsobroughtwrenchingjoblosses.Thefinancialcrisisandweakrecoveryhavemademattersworse,intensifyingthebacklashagainsttradeandglobalization.Partoftheproblemisthatthebenefitsoftradeandinvestmentgolargelyunrecognized,whilethejoblossesareoftenoverstated.Anothersignificantproblemisthatparticipationintradeandinvestmentislimitedtoarelativelysmallsetoffirms.IntheU.S.,largefirmsaccountforthree-quartersoftotalexports,andthevastmajorityofsmallandmedium-sizebusinessesdonotexport.Thismeansfirmshaveagreatopportunitytoboostgrowthandproductivitythroughwiderparticipationintrade.Thatleavesthequestionofhowtohelpthosehurtbytradeandglobalization.Toooftenwetalkaboutre-trainingasapanacea（万能药）.Andyes,ithelps.Butitneedstotakeintoaccountthedifferentrequirementsofeachworkforceandneedstobepartofawidersetofsupportforaffectedworkersandcommunities.Aboveall,itisimportanttorecognizethatoureconomictransitiontoaglobalanddigitaleconomyisanirreversibletrend.Onlybybroadeningparticipationintheglobaleconomy,ratherthanbytryingtoturnbacktheclock,willwediscoveranswerstotoday’smostvexingeconomicproblems.Whatofthefollowingisthebestdescriptionoftheauthor’sattitudetowardtradeandglobalization?A.CriticalB.DoubtfulC.IndifferentD.Approving

3、农村信用合作社注册资本金一般不少于人民币（）。A.500万元B.300万元C.200万元D.100万元

4、LuoJingyu,19,hasfouryearsofexperienceofrunningbusiness.HeisalsoafreshmanintheartsdepartmentofHubeiUniversity.LuoJingyuisfromanordinaryfamily.Hesaid,“MyparentstoldmeifIwantedsomething，Ishouldmakeanefforttogetit,soIearnedpocketmoneybydoinghouseworkwhenIwaslittle.”Thedreamofrunninghisownbusinessgrewinhisheart.Hesaid,“Iwanttobeasuccessfulperson,likeAlibaba’sMaYun.”WhenLuowasajuniorstudent,hehadtheideaofsellinglanternswhenhesawmanypeopleflyingChineselanternsinasquare.Luoboughtsomelanternsfromastore,butthesaleswerenotasgoodashehadexpected.Thenhefoundanotherwaytodobusiness.HeboughtlanternsontheInternetataverylowprice.Finally,heeasilymade5,000yuanintwodays.Withahappybeginning,Luoplannedtoopenadressshop.“Myparentsdidn’tsupportmeopeningadressshop,soIhadtoborrow120,000yuanforit.”Althoughhedidmarketresearchbeforestarting,thebusinesswasn’tverygoodbecausehistasteinfashionwasn’tacceptedbycustomers.Theshopeventuallycloseddownafterhalfayear.Afterexperiencingabigloss,hedecidedtodosomethinghewasfamiliarwith---sellingpaintingtools.Asafineartsstudent,heknewthemarket.Heconvincedhisfriendstoinvestonemillionyuaninhisshop.Withagoodbusinessmindandalotofeffort,thesalesoftheshopreachedsixmillionyuaninayear.EventhoughLuoisrich,heusesacheapcellphoneanddoesnotwearluxuryclothes.Hehasasimplelifestyle.“Itisn’teasytomakemoney,somoneyshouldbeusedonsomethingworthwhile,”hesaid.WecanlearnfromthesecondparagraphthatLuo’sparents（）.A.askedhimformoneytopaytherentB.gavehimsomemoneytodobusinessC.advisehimtopaymoreattentiontohisstudiesD.suggestedthatheworkhardtogetsomething

5、Passage8Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,whichallowhomeowners62andoldertoborrowmoneyagainstthevalueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeenfraughtwithproblems.Butfederalandstateregulatorsaredocumentingnewinstancesofabuseassmallermortgagebrokers,includingformersubprimelenders,floodthemarketaftertherecentexitofbigbanksandasdefaultsontheloanshitrecordrates.Somelendersareaggressivelypitchingloanstoseniorswhocannotaffordthefeesassociatedwiththem,nottomentionthepropertytaxesandmaintenance.Othersarewooingseniorswithpromisesthattheloansarefreemoneythatcanbeusedtofinancelong-covetedcruises,withoutclearlyexplainingtherisks.Somewidowsarefacingevictionaftertheysaytheywerepressuredtokeeptheirnameoffthedeedwithoutbeingtoldthattheycouldbeleftfacingforeclosureaftertheirhusbandsdied.Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewithdecliningsavings,thenewlymintedConsumerFinancialProtectionBureauisworkingonnewrulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Morethan775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.Concernsaboutthemultibillion-dollarreversemortgagemarketechothoseraisedinthelead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghiddenrisks—thattheycouldnotafford.“Therearemanyofthesameredflags,includingexplosivegrowthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardtosuitability,”saidLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthereversemortgagemarket.WhichistrueaboutthenewrulesfromConsumerFinancialProtectionBureauA.TherulesaregoodforlenderswhilebadforborrowersB.TheruleswillhelpbabyboomerseniorstosavemoneyC.TheruleswillhelpconsumersbetterunderstandreversemortgageD.Theruleswillbestricterforconsumers

6、计算机网络是计算机与（）结合的产物。A.电话B.通信技术C.线路D.各种协议

7、Highbootswerethe___forwomenlastyear.A.vagueB.vainC.vogueD.void

8、实行混业经营集中监管的国家，对银行机构业务经营的范围（）。A.实行严格的限制B.实行一定程度的限制C.基本没有限制D.完全没有限制

9、魅力型领导者的特征不包括（）。A.自信并且信任员工B.有理想化的愿景C.承诺为努力提供奖励D.对下属有高度的期望

10、掠夺交易是指以强制手段为基础、一方强迫另一方的利益转移(包括其承载物的转移>。下列不属于掠夺交易的是(）。A.甲有一幅非常珍贵的古名画，乙知道后千方百计想得到，就请甲的领导出面，用一幅现代名画将乙的那幅画换到手B.张某摆了一个杂货摊点，一天，有一人来买塑料面盆，她拿出一元钱塞给张说：“我知道你卖三元一只，我们是邻居，就一元卖给我吧。”说完就拿走了面盆C.小李家正搞装潢，谁知预算失误，少买了几平米某名牌木地板，急需补上，经销商谎称木地板涨价，必须加价，最终小李以三倍的价格买回所需地板D.小王和小章是两位集邮爱好者，他们常常交换邮品，虽然有时用以交换的邮品价格悬殊，但双方都非常乐意，毫无怨言

11、把下列句子组成语意连贯的语段，排序最恰当的一项是（）。（1）使用语言，不仅要用的对，在语法上不出毛病，而且要力求用得好，要有艺术性，有感染力，这就要运用语言的艺术，也就是讲究一点修辞（2）有意用不符合语法常规的办法取得某种修辞效果是可许的，然而这只是偶一为之，并且要有些特定的条件（3）如果语言不符合语法，说都说不通，就没有什么好的修辞可言（4）语言是用来传递信息、交流思想、表达感情的（5）好的修辞，必然是符合语法规律的A.（4）（1）（5）（3）（2）B.（4）（3）（5）（1）（2）C.（5）（1）（2）（4）（3）D.（5）（3）（4）（1）（2）

12、()是指按照当前市场条件，重新取得同样一项资产所需支付的现金或现金等价物金额。A.重置成本B.公允价值C.历史成本D.可变现价值

13、经济成本和经济利润具有以下特征（）。A.前者比会计成本小，后者比会计利润大B.两者都比相应的会计成本和会计利润大C.前者比会计成本大，后者比会计利润小D.两者都比相应的会计成本和会计利润小

14、股票指数期货的结算采用（）。A.现金B.某种股票C.股价指数D.一揽子股票

15、下列说法错误的是（）。A.热水管往往比冷水管先被冻裂B.高尔夫球上的微凹坑使作用于球上的空气阻力减小C.自燃是由于材料内部的氧化使得材料的热量增加而引起的D.材料能够燃烧是由于可燃材料富含一种叫“燃素”的物质

16、资料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflightsFriday,April11,2008ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNewsAmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheistaking“personalresponsibility”forthebadmaintenancethathasforcedthecarriertocancelsome3,000flightsthisweekforaircraftinspections.MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,whenAmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-basedcarrierhascanceled570flightsscheduledtoday.“Irunthecompany.”Mr.Arpeytoldreportersatanafternoonnewsconference.”soifthere’sanyblametobehad,itismyfault,andItakefullresponsibilityforthis.”Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectorsandengineersworkedtoensurethatthecarrier’sfleetof300MD-80jetswouldmeetFederalAviationAdministration（FAA）regulations.TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptionstocontinueintotheweekend,althoughanairlinespokesmansaidSaturday’scancellationsshouldbefewerthantoday’s.OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmorethan18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnessesintherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.TheFAAhassaidinrecentdaysthatitsenforcementhasn’tchangedorbecomestricter.ButSenatorKayBaileyHutchisonsaidairlineshavetoldherthey’venoticeddifference.“Thestandardisnowbeingvery,veryrigidlyenforcedandleewayisbeingtakenaway.”Ms,Hutchisonsaid.“Ican’tsayifit’sfoodorbad.ButIknowthatit’schanged.”Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.TheultimateproblemthatpromptedthegroundingoftheAmericanAirlinesfleetisthat______.A.ithasnotdoneanyinspectionsbeforeB.itsairplanesarefartoooldtoflyanymoreC.ithasnotmettheFAAmaintenancestandardD.thefatalityratehasdoubledinthelast15years

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

18、在Word中，使用（）菜单中的相应命令，可以方便地输入特殊符号、当前日期时间等内容。A.“文件”B.“工具”C.“格式”D.“插入”

19、目前我国上海和深圳证券交易所均实行（）的交割方式完成清算交易。A.T-1B.T+0C.T+1D.T+2

20、在Excel电子表格中，要在单元格中强制换行，应执行的操作是（）。A.按回车键B.Alt+回车键C.Ctr1+回车键D.Shift+回车键

21、票据贴现实付金额为()。A.汇票金额B.贴现利息C.汇票金额一贴现利息

22、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.Theword“underpinning”inthepassagerefersto______.A.blockingB.undergoingC.supportingD.stressing

23、下面（）不是计算机局域网的主要特点。A.地理范围有限B.数据传输频率高C.通信延迟时间较低。可靠性较好D.构建比较复杂

24、采用成本加成定价法，关键问题是确定合理的（）。A.销售利润率B.成本利润率C.比例利润率D.内扣利润率

25、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.WhatdoesKofiAnnansayshouldbethefocusoftheCopenhagenconference?A.HowrichandpoorregionscanshareresponsibilityincurbingglobalwarmingB.HowhumanandeconomiclossesfromclimatechangecanbereducedC.Howemissionsofheat-trappinggasescanbereducedonaglobalscaleD.Howrichcountriescanbetterhelppoorregionsreduceclimatehazards

26、Itisbettertodieonone’sfeetthan（）A.livingonone’skneesB.liveonone’skneesC.onone’skneesD.toliveonone’sknees

27、Shewasabletogetthegovernmentand______companiestohelppatientswiththecostoftheircare.A.assuranceB.assumptionC.sanctionD.insurance

28、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％

29、资料：Askedtonametheirfavoritecity,manyAmericanswouldselectSanFranciscowhichbeganasasmallSpanishoutpostlocatedonamagnificentbay.ThetownwaslittlemorethanavillageservingrancherswhentheUnitedStatestookpossessionofitin1846duringthewarwithMexico.SanFranciscosprangintoacityovernightbecauseofthenearbydiscoveryofgoldin1848.AgreatrushtoCaliforniatookplace.Wagontrainsploddedtheirdangerouswayacross2000milesofprairieandmountains,whilehundredsofsailingvesselsmadetheequallyhazardoustriparoundtheHorn.Thevesselsdisgorgedthousandsofpassengers--thenthecrewsdesertedtheirshipandhundredsofvesselswerelefttorotinthebay.Withintwoyears,CaliforniahadenoughpopulationtobecomeastateandSanFranciscowasformanyyearsthehubofthatnewly-arrivedpopulation.Thecity'spresentpopularityisduetoanexcellentclimate,aneasystyleofliving,goodfood,andnumeroustouristattractions.Thecityisfamousforitscablecarswhich"clangandbang"upthesteephills,andforitsexcellentseafoodstallsalongthewharf.MostvisitorsarrivingfromnationsinthePacificBasinspendseveraldaysgettingtoknowthetown.Accordingtothisarticle,whowerethefirstCalifornians?（）A.desertersfromsailingshipsB.SpanishranchersC.goldminersD.tourists

30、资料：ThefollowingpassageistheintroductionaboutoneoftheMonsellinternationalfinancialproducts.Accordingtothepassage,therewillbe5questions.Youshouldreadcarefully,thenselecttherightanswer.Passage:Asateenagerbetweentheageof13and18,maybeyouwouldliketomanageyourownmoneyandhaveyourownbankaccount.ThegoodnewsisthatBankofMonsellhasjustlaunchedseveralgreatsolutionsforyou.ThefirstoneistheTeenDiscountedBankPlans（TDBPS）.TDBPSfeatureadiscountof$9.95permonthonyourmonthlybankfee—that’sasavingsofupto$120peryear.It’stheprimaryandmostcommonaccountchosenbynearly45%ofourteencustomers.Ifitisnottoyourliking,maybethefollowingalternativeswhichoffermorediscountandbenefitsonyourbankaccountsareabletomeetyourdemands.InaPlusPlan,youcanhaveupto30transactionspermonthfreeofchargeonasmanyasaccountsasyouneedontheconditionthatyourPrimaryChequingAccountmustbeyourleadaccount,theoneyoudesignatetopayanyfeesrequiredbyyourBankPlan（i.e.monthlyplanfees,transactionfees）.ItincludesPrimaryChequingandupto19moreeligibleaccounts.Youcanmake30transactionseitherinbranch,byphone,online,bymobileoratanATMofBankofMonsell.Fromthe31sttransaction,afeeof$0.7pertransactionwillbecharged.APlusPlanisabletohelpsaveyouupto$288.60ayearonfees.Besides,itenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInteracte–TransferthroughitsOnlineBanking.APlusPlanofferspreferredexchangerateonlywhenbuyingU.S.cash（upto$5,000U.S.pertransaction）.InaPerformancePlan,thenumberoftransactionsisunlimitedonasmanyasaccountsasyouneed,meaningthatyoucanmakeasmanyeverydaybankingtransactionsasyouwantfreeofchargeinbranch,onlineoratanATMofBankofMonsell.Itdoesnotincludephonebankingservices.However,afeeof$4.00amonthischargedforthisservice.ItalsoincludesPrimaryChequingandupto16moreeligibleaccounts.Ithelpsyousaveupto$456.60ayearonfees.Italsoenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInterace–TransferthroughitsOnlineBanking.What’smore,onenon-bankofMonsellATMwithdrawalontheInteracnetworkpermonthisoffered.APerformancePlanofferspreferredexchangeratewhenbuyingorsellingU.S.cash（upto$5,000U.S.pertransaction）.InaPremiumPlanyoucanalsomakeunlimitedtransactionsonasmanyaccountsasyouneedatamonthlyfeeof$15.05.ItincludesPrimaryChequingandupto15moreeligibleaccounts.Theeverydaybankingtransactionsofthisplanshouldbecontrolledfewerthan40,oryouhavetopayafeeof$0.8foreverytransactionbeyond40.Ithelpssaveupto$791.95peryearonfees.What’smore,5non-bankofMonsellATMdebittransactionsontheInteracnetworkand5internationaldebittransactionsusingnon-bankofMonsellATMspermonthisincluded.However,itdoesnothavetheabilitytosendmoneygloballytoanycountryorterritoryviaInterace–TransferthroughitsOnlineBanking.APremiumPlanofferspreferredexchangerateonlywhensellingU.S.cash（upto$5,000U.S.pertransaction）.Youcanapplyforanyoftheseaccountsbyphone,onlineorinperson.Pleasefeelfreetocallusat1-870-226-5266orwriteemailstoBankofMonsellMike@orgetonourwebsiteforanyfurtherdetailsoftheseservicesandproducts.Thepurposeofthewriterinwritingthispassageisto_______.A.introducetheBankofMonsellB.analyzetheproductsofBankofMonsellC.introducecertainproductsandservicesforteensD.showthesuccessoftheBankofMonsell

31、秦九韶是我国古代著名的数学家，下列属于其作品的是（）。A.《海岛算经》B.《数书九章》C.《五曹算经》D.《缉古算经》

32、资料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaandEuropehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,hasconsolidateditspositionastheworld’sderivativescenter,andHouston,thelargestcityinTexas,ishometoAmerica’sbiggestenergyfirmsandhasspawnedanactiveclusterofenergytradersandhedgefunds.EuropehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoislandhavenssuchasJerseyandtonichemarketssuchasLuxembourgandDublin.Edinburg,anestablishedbankingcenter,isnowtoutingitselfasalow-costalternativeforfinancialoperations.Amongthelargerhubs,FrankfurtisanimportantcenterforbankingandderivativestradingthroughEurex,aGerman-Swissexchange,withsignificantlylowercoststhanLondon.Switzerland’stwinfinancialcenters,GenevaandZurich,havedonewellintheirspecialistsofprivatebanking,wealthmanagementandinsurance.Themainattractionsarelowtaxes,politicalstabilityandareputationfordiscretion.UrsRothfromtheSwissBankersAssociationsays,however,thatgivenitstinydomesticmarket,Switzerlandhashadtofightforopenmarketsonaninternationalscale.ParishaslonglaggedfarbehindLondon,doggedbyareputationforexcessiveregulationandhightaxes.ThenewgovernmentisawarethatsomeofFrance’sbestfinancialbrainshavecrossedtheChannelformorelucrativecareersinLondon.YetParishasmanyadvantages:alargenumberofinternationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParisoffersanattractivequalityoflifeandhasgoodtransportlinks.WhatmakesParisaplacetowatchjustnowistheNYSE’srecentmergerwithEuronext.ThecombinedgroupwillbaseitsinternationalequitiesbusinessintheFrenchcapital.Euronext,whichoperatesexchangesinfiveEuropeancountries,alsoillustratestheimportanceofacommonlanguage.FinancialexecutivesaroundtheworldincreasinglyviewEuropeasasinglemarket.SoonanewEuropeanrulecalledMiFID（MarketsinFinancialInstrumentDirective）isduetobeimplemented.Itaimstoincreasecompetitionamongandtransparencywithinfinancialmarkets.Financiersinotherpartsoftheworldarewonderinghowtoachieveasimilardegreeofcross-borderfinancialintegration.Thelastparagraphimpliesthat.A.FinanciershavelongagoviewedtheEuropeasasinglemarketB.Europehasthehighestdegreeofcross-borderfinancialintegrationC.theMiFIDwillmakefinancialmarketsaroundtheworldmorecompetitiveD.theMiFIDwillincreasetransparencywithinAmericanfinancialmark

33、Thatcarismyproperty;you______useitwithoutmypermission.A.needn’tB.mightnotC.maynotD.mustn’t

34、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

35、央行两次降息，那么，降息对下列人员最有利的是（）。A.30岁，待业青年B.小张去年毕业，是一家外企的基层员工C.老王已于2010年退休，现赋闲在家D.周某65岁，在银行有10万元存款

36、马克思主义哲学实现了唯物主义自然观和唯物主义历史观的统一的关键是（）。A.发现了阶级斗争在历史发展中的作用B.肯定了人民群众在历史上的作用C.探讨了人与自然的关系D.把实践理解为对象性活动

37、Icannotthinkofanything______happenedthatdaywhichIwouldhavewishedotherwise.A.whatB.whoC.thatD.which

38、下列属于产品成本的是（）。A.厂房管理人员工资B.车间人员工资C.董事会人员工资D.专设销售部门人员工资

39、远期汇率的期限一般为（）个月。A.1~6B.3~9C.6~9D.6~12

40、资料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothecontrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthatpromotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoinaconstructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonislistening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwassaid,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlisteningwasconsistentlyseenasatwo-waydialog,ratherthanaone-way“speakerversushearer”interaction.Thebestconversationswereactive.Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmadetheconversationapositiveexperiencefortheotherparty.whichdoesn'thappenwhenthelistenerispassive（or,forthatmatter,critical!）Goodlistenersmadetheotherpersonfeelsupportedandconveyedconfidenceinthem.Goodlisteningwascharacterizedbythecreationofasafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowedsmoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheothermade.Bycontrast,poorlistenerswereseenascompetitive—aslisteningonlytoidentifyerrorsinreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmightmakeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmaychallengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristryingtohelp,notwantingtowinanargumentAccordingtotheauthor,whichofthefollowingstatementsistrue?A.ThosewhoperiodicallyaskquestionswanttotakechargeoftheconversationB.Ifyougivecriticalopinions,thespeakerwillbelessconfidentC.GoodlistenersshouldagreewiththespeakerD.Ifthespeakercreatesacomfortableenvironment,listenerswillbecomeconfident

41、Weallhopethatneweconomicplanofyours（）miracle.A.isworkingB.worksC.willbeworkingD.worked

42、计算机的存储单元中存储的内容（）。A.只是数据B.只能是程序C.可以是数据和指令D.只能是指令

43、资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsofplanning,timeandsavings.Somescaryfactsaboutretirement:Morethan50%ofpersonsdonothaveenoughfinancesforretirement.25%donotparticipateintheircompany'sretirementplan.Theaveragepersonspends20yearsinretirement.H