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、资料：2014hasbeenalandmarkyearforAlibaba.Justlastweek,theChinesee-commercejuggernautsetaworld-recordsellingUS$9.3Billionworthofgoodsin24hoursonSinglesDay.Afewmonthsback,Alibabaclaimedthetitleoftheworld'sbiggestIPO,raisingUS$25BillionontheNYSE.ThingswillonlygetbiggerforAlibaba.OnthebackofthehistoricsigningoftheChina-AustraliaFreeTradeAgreementyesterday,AlibabaannouncedinMelbournetheircontinuedcommitmenttobringingAustralianproducts,brandsandbusinessesclosertoChina'sonlineconsumersviait'sAlipaypaymentplatformandTaobaoMarketplace.AlipayisthelargestonlinepaymentserviceproviderinChina.Withmorethan800millionChineseaccounts,Alipayisalreadythebiggestmobilepaymentprocessorintheworld.Itclears80milliontransactionsperday,including45milliontransactionsthroughit'sAlipayWalletmobileappandprocessedUS$780billionworthoftransactionsintheyearendedJune30.AlipayisoneofsixfinancialservicesentitiesthatwillfallundertheumbrellaofAntFinancialServicedGroup,arebrandingofAlipayFinancialServices.Thereareplanstotakethismoneymakingmachinepublictoo.AlipayAustraliahasbeenestablishedasalocalentitythatwillworkwithitsjointventurepartner,paybangtohelpAustralianbusinessesandmerchantsaccessAlipay'scross-borderpaymentsolutions.AlipayhasalsobeenworkingwithAustraliaPosttosell,distributeandpromotetheAlipayPurchaseCardacross4,400retailoutletsforAustralianshopperstouseontheTandTaobaoMarketplaceplatforms.Alipay'sextensionintoAustralia,followsitsmoveintotheU.SwiththelaunchofitsePaypaymentprogram,whichhandleseverythingfrompaymentprocessingandcurrencytranslationforU.S.retailers.HowmanytransactionsdoesAlibabacleareverydaywithoutusingAlipayWalletmobileapp?A.35millionB.45millionC.780millionD.80million

2、银行会计科目可分为()。A.表内科目和表外科目B.资产负债共同科目C.负债科目D.资产负债科目

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

4、按出票人不同，汇票可分为（）。A.银行汇票B.商业汇票C.银行汇票和商业汇票D.企业汇票和商业汇票

5、资料：From:prorno@To:kkaminski@Subject:NewflavorsDate:March8DearMr.Kaminski.Iamwritingtosharesomeexcitingnewswithyou.Fruittisomisnowlaunchinganewlineofnaturalfruitjuices.，andwewouldliketosendyousomesamplessothatyoucantrythemtoo.FreesampLesarebeingofferedonlytocustomerswhohavepurchasedFruittisomjuicesfromouronlinestorewithinthelastyear.Ifyouwishtoreceivesamplesofthenewlineofourproducts,gotoouronlinestoreandselectuptothreeproductsyouwouldliketotry.Then,insteadofmakingapayment,enterpromotionalcodeTY117563,andyourselectionswillbeshippedtoyourhomewithoutcharge.Withbestregards,AshleyHockstraWhatisofferedinthee-mail?A.InstructionsforenteringacompetitionB.chancetotryanewproductC.AnapologyforanerrorD.Thanksforcompletingacustomersurvey

6、Thereisa（）differenceinmeaningbetweenthewordssurroundingsandenvironment.A.sensibleB.subtleC.feebleD.humble

7、根据数字使用规范，下列公文中的数字写法正确的是（）。A.初步估计共需三十七、八万元B.一篇讲话稿长达5千200字C.“文件”二字可采用2号字体D.该村直到95年才修通公路

8、Startingwiththe______thatthereislifeontheplanetMars,thescientistwentontodevelophisargument.A.foundationB.presentationC.premiseD.pretext

9、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

10、OnbehalfofboardofdirectorsIappreciateyouforprovidingthe____information.A.requestB.requesterC.requestingD.requested

11、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

12、大额可转让定期存单最早产生于美国。美国的《Q条例》规定商业银行对活期存款不能支付利息，定期存款不能突破一定限额。20世纪60年代，美国市场利率上涨，高于《Q条例》规定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存单。购买存单的客户随时可以将存单在市场上变现出售。第一张大额可转让定期存单是1961年由美国花旗银行发行的。这样，客户实际上以短期存款取得了按长期存款利率计算的利息收入。可转让大额存单提高了商业银行的竞争力，而且也提高了存款的稳定程度。对于发行存单的银行来说，存单到期之前,不会发生提前提取存款的问题。可转让大额定期存单的出现是一种积极意义的金融创新。根据上述材料，回答下列问题：大额可转让定期存单属于金融工具创新，除此以外，金融创新还包括金融业务创新等方面。下列选项中，（）是商业银行的负债业务创新的主要表现。A.存款业务B.贴现业务C.贷款业务D.证券业务

13、资料：It'ssocommontohearpeoplesay，“I’mstressedout，”almostasabadgeofhonor，asifthisisasymptomonlyofourfast-pacedmodernlife.Butinherbook，“Exhaustion：AHistory，”AnnaKatharinaSchaffnerwritesthatthesyndromeofmentalexhaustionhasexistedalmostsincethebeginningofhumanhistory.Commentatorsclaim[ours]isthemostexhaustingperiodinhistory，thedemandsonourenergyreservesbeingunprecedented.Byimplication，theyrepresentthepastasalessenergy-drainingtimeinwhichpeoplelivedmuchlessstressfullivesinharmonywithnatureandtheseasons，“saysSchaffner，a.professorofcomparativeliteratureandmedicalhumanitiesattheUniversityofKentinEngland，inanemailinterview.Iaskedmyselfwhetherthatwasreallythecase，andstartedresearchingotherhistoricalperiodsinsearchofearlierdiscoursesonexhaustion.Tomysurprise，Ifoundthatoursisfarfrombeingtheonlyagetohaveperceiveditselfasthemostexhausted-thisisinfactaperceptionsharedbymanyhistoricalperiods，albeitindifferentwaysandfordifferentreasons.”Schaffnerfoundinformationaboutexhaustiongoingallthewybacktoantiquity.Thisisnotthesamethingasphysicalexhaustion—certainlymost，peopleinearliertimeshadlifephysicallyharder—butconcurrentlythroughouthistorywasthisideaofbeingmentallyexhausted，whatwemightcalltodaybeing“stressed”or“burnedout.”Inthepast，shesays，theconditionwentbymanynames：melancholia，depression，chronicfatiguesyndromeoracedia，“atheologicalversionofmelancholia，alsodescribedaswearinessoftheheart.”andpopularinMedievaltimes.Causesrangedfromphysicalailmentsandchemicalimbalancesinthebraintospiritualfailingsoreventhealignmentsoftheplanets，Oftentherewasadifferentexplanationforeachhistoricalperiod.“Inthelate19thcentury，forexample，.afasterpaceoflifeasaresultoftrains，steamboats，electricity，andtelegraphywasheldresponsibleforthesuddenexplosioninthenumberofcasesofwhatwasdiagnosedasneurasthenia-thisdiagnosisbeingstructuredaroundadeficiencyinnerveforce，andmanifestingitselfinweakness，lethargy.hopelessness，andvariousothersymptoms.”shesays.Othermentalailmentsthroughouttimewereattlbutedto“theavailabilityofexoticfoodandspicesinthe18thcenturytheeducationofwomeninthe19thcentury，.orthenewpsycho-socialpressuresofneo-liberalcapitalisminourowntime”sheaddsSoifexhaustionhasbeenwithusforever，whatdoesthatmeanforwemoderns?“Anhistoricalperspectivecanhelptocounterthesensethatourwayoflifeismoredetrimentaltohumanwellbeingthanthoseinthepast，andtomakeusfeellessalone，”saysSchaffner.“Ofcourse，thishistoricalperspectivealsochallengestheideathatcurrentstatesofexhaustionareauniquebadgeofhonor.Thushistoricizingexhaustioncan，ontheonehand，reassureusand，ontheotherhand，challengethenarrativesonwhichwerelytogiveoursufferingaspecialvalue.”Whatdoestheunderlinedword“antiquity”refertoinPara.3?A.ThestateofbeingveryoldorancientB.ThestateofbeingmentallyexhaustedC.ThestateofcompletephysicalexhaustionD.Thestateofdifficultlifeexperienceinearliertimes

14、Wereceivedthe___indicatingtheamountofmoneyIhadpaid.A.quittanceB.refundC.retentionD.progeny

15、银行谨慎监管原则就是监管当局要（）评估银行机构的风险。A.一般限度地B.适当限度地C.最低限度地D.最大限度地

16、关于管理幅度与管理层次的说法，正确的是（）。A.管理幅度指的是组织结构的纵向复杂程度B.管理层次与管理幅度在数量上成正比关系C.管理层次的多少代表组织结构的横向复杂程度D.管理幅度与管理层次是相互制约的

17、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

18、资料：Everyoneknowsairlinepricingisbasedonsupplyanddemand.FaresaremoreexpensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropeancapitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandforRomemustbehigherorsupplylower.What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylowerpricefortheexactsameflightifyouagreetogoontoanotherdestination.TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlytoRomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.Comparethatto$903foraround-trip,economytickettoMilan（stoppinginRome）leavingJFKontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflytoRomefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflighttoMilan?Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravelandchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketissegmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.（Theyalsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourageyoutoflydirect.）Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscan'tbetransferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthefreemarket,shouldn'tcustomersbeallowedtodothesamething?Accordingtothepassage,pricesarenormallydeterminedby___.A.therelationshipbetweencostanddemandB.peakseasonsandprimeattractionsC.therelationshipbetweensupplyanddemandD.travelseasonsanddestinations

19、某国对某种商品进15的数量或金额规定最高限额．达到限额后便不再允许进15，这种措施称为（）。A.“自动”出口配额B.B进口许可证制C.关税配额D.绝对配额

20、资料：Abovethelinepromotionusesmassmediasuchasthepress,radio,television,cinemaorpostersites.Thistypeofpromotionisusuallypaidfor.Eachofthepossiblemediamethodscanbeusedtotargetaudiencesindifferentmarketsegment.Therearebothstrengthsanddrawbackstotheseformsofmedia:UNISONembarkedonawaveoftelevision,internetandnewspaperadvertsforthemillionvoicescampaign.Theywantedthatthevitalservicesprovidedbypublicsectorworkerscoulddisappearifthefundingcutssentahead.Theadvertsfeaturedalotofvitalpublicservicejobsfadingoutofsightandfeaturedthetagline.Don'twaituntilthey'regonetodefendthem.Apowerfulcampaignfilmwasalsoreleasedthatillustratedhowlocalcommunitieswouldbeaffectedbycuts.AversionofthisfilmaimedatrecruitingmemberstoUNISONwasshownontelevisionusingDRTV.Theonlineandnewspaperadvertslinkedbacktothecampaignwebsitewherepeoplecanregistertheirsupportandaddacomment.HowcanpeoplesupporttheUNISON?A.byregisteringtheirsupportontheinternetB.byapplyingforajobinUNISONC.bydistributingnewspaperadvertstopeopleinthecommunityD.allabove

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

22、甲乙两人相约同时从AB两地相向而行，10个小时后相遇。但实际上甲先从A地出发，2个小时后乙才出发，乙出发60分钟后，双方之间的距离是两人走过的距离的三倍。已知甲比乙每小时多走10公里，则AB两地之间的距离是多少公里？（）A.200B.100C.250D.150

23、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.Well-enforcedlawsingovernmenttransparencyareneededto（）.A.awakentheconscienceofofficialsB.guaranteefairplayinofficialaccessC.allowforcertainkindsoflobbyingD.inspirehopesinaveragepeople

24、Passage4AMENTORING（导师制）programisgivinglifechangingopportunitiestoBanburyyouth.YoungInspirationswasfoundedtwoyearsagotoprovidementoringsessionsforstudentsandunemployedyoungadultsaged11to21.AlexGoldberg,theprogram'sfounder,said;“WesetupYoungInspirationsbecausewewantedtogiveyoungpeopleexperienceswhichwillpotentiallybelifechangingandbroadentheiroutlook.Wetrytocreateworkexperienceopportunitiesthatwillreallymakeadifferencetoouryouth.Forexample,we’vesecuredinternshipswithworld-famousfirmssuchasHonda.”“Atatimeoffundingcutbackswhereschoolsarefindingitmoreandmoredifficulttoofferthiskindofmentoring,itisextremelyimportantthattheseopportunitiesareavailablebothtohelpyouthwiththeirschoolworkandgradesandtogivethemopportunitieswhichmayhelpshapetheirfutures.”KieranHepburn,14,isoneofagroupofBanburyyouthwhohasbenefitedfromtheprogramsofar.InOctobertheBanburySchoolpupilwasaccompaniedbyYoungInspirationsstafftoPariswherehewasanobserverattheUnitedNationsEducational,ScientificandCulturalOrganization's（UNESCO）InternationalYouthForum.Theeventwasheldforyoungpeoplefromaroundtheworld,toseektheirviewsonhowthefutureofyouthandeducationshouldlook.Kieranjoinedseveralhundredobserversmostlyintheir20sandwastheonlyUKschoolpupiltoattendtheevent.Kieranthinksthetripwasalifechangingexperience.“BeforeweleftIdidn'tquiteknowwhattomakeofitbutwhenwegottherewedidn'tstop,itwasamazing,”hesaid,“Wewenttothreeorfourhoursofdebateseachdayandthendidsomethingculturaleachafternoon.”Themainthemeoftheforumwashowyouthcandrivechangeinpoliticalandpubliclife.Itdealtwithissuessuchasdrugabuse,violenceandunemployment.Kieransaid:“IthasreallyhelpedmetoimprovemyconfidenceandsocialskillsaswellasmyschoolgradesandIwasvotedmostimprovedpupilatschoolinAugust.”TheYoungInspirationsmentoringsessionstakeplaceeachFridayinBanbury.Fordetailsvisit.Wecanlearnfromthepassagethat（）.A.thevisittotheUnitedKingdomwasamazingB.KieranhasmadegreatprogressinmanyaspectsC.theyouthhavefoundawaytosolvetheirproblemsD.thementoringsessionsareheldeverydayexceptFriday

25、资料：TheincreasingamountofpersonalinformationthatcanbecollectedbycomputerprogramsthattrackhowpeopleuseFacebookhasbeenrevealedbyanextensiveacademicstudy.SuchprogramscanshowundisclosedprivateinformationsuchasFacebookusers'sexuality,drug-usehabitsandevenwhethertheirparentsseparatedwhentheywereyoung,accordingtothestudybytheUniversityofCambridgeacademics.Inoneofthebiggeststudiesofitskindscientistsfromtheuniversity’steamandaMicrosoft-fundedresearchcenteranalyzeddatafrom58,000Facebookuserstopredicttraitsandotherinformationthatwerenotprovidedintheirprofiles.Thealgorithmswere88percentaccurateinpredictingmalesexualorientation,95percentforraceand80percentforreligion.Andpoliticalleanings,personalitytypesandemotionalstabilitywerealsopredictedwithaccuracyrangingfrom62-75percent.Thestudyhighlightsgrowingconcernsaboutsocialnetworksandhowdatatrailscanbeminedforsensitiveinformationevenwhenpeopleattempttokeepinformationaboutthemselvesprivate：Lessthan5percentofuserswereconnectedwithexplicitlygaygroups.MichalKosinksi，oneofthereport’sauthorstoldtheFinancialTimesthattheuniversity’stechniquescouldeasilybereplicatedbycompaniestointerpersonalattributesapersondidnotwishtosharesuchassexualorientationorpoliticalviews:”Weusedverysimpleandgenericmethods:Marketingcompaniesandinternetcompaniescouldspendmuchmoretimeandresourcesandhencegetmuchhigheraccuracythanwedid.Thereportalsorevealedsomeunexpectedcorrelationssuchaspeoplewholiked‘curlyfries’havinghigherIQswhilethoseWholikeFacebook’s“SlidingonFloorsWithYourSocksOn”pagewereunlikelytousedrugs.whydoestheauthormention“religion”inparagraphfour?A.Toshowtheimportanceofitinpeople’slifeB.TosupportthatpeoplecancollectinformationfromFacebookC.TogiveanexampleoftheinformationpredictedinthestudyD.Toillustratethepercentageofpeoplewithreligiousbelief

26、资料：OurgoalwiththenewMacBookwastodotheimpossible:engineerafull-sizeexperienceintothelightestandmostcompactMacnotebookever.Thatmeantreimaginingeveryelementtomakeitnotonlylighterandthinnerbutalsobetter.Theresultismorethanjustanewnotebook.It’sthefutureofthenotebook.Andnow,withsixth-generationIntelprocessors,improvedgraphicsperformance,fasterflashstorage,andupto10hoursofbatterylife.MacBookisevenmorecapable.ThemomentyouopenyourMacBook,itsgorgeous12-inchRetinadisplaywithedge-to-edgeglassbringseverythingintofocus.Everyphotoleapsoffthescreeninrich,vibrantdetail.Over3millionpixelsrendereachletterwithcrystalclarity.AnditallcomestolightonthethinnestRetinadisplayeveronaMac,meticulouslyhonedtodeliveraboldvisualexperiencewithinanimpossiblyminimaldesign.WhichofthefollowingisNOTafeatureofthenewMacBook?A.BiggerscreenB.FasterflashstorageC.LongerbatterylifeD.Clearrepresentation

27、资料：Childrenbackatschool,nightsslowlystartingtodrawinandtheweathermorechangeable.Theseasonsareturningandafteraneerilycalmsummerforfinancialmarkets,there'sawhiffofuncertaintyintheair.Bondyieldsareupfromtheirlows,andtherelentlessmigrationofglobalcapitaltowardsanyasset,anywhere,withsomeyield,isslowing.Theconcernisthegrowingawarenessofcentralbanks'waningabilitytoboostgrowthwithever-lowerinterestratesandever-biggerpurchasesofassets.Thedebateaboutif,whenandhowslowlytheUSFederalReservewillraiseinterestdragson,butifdownwardpressureonglobalbondyieldsfromtheEuropeanCentralBank（ECB）andtheBankofJapan's（BOJ）largesseisdrawingtoaclose,that'sabiggermilestoneformarkets.Aworldofhigherbondyieldsisonewherethepressuretoseekyieldinexoticplacesisdiminished.It'salsoaworldwherethecapitalgainsthataccompaniedfallingyieldsbecomecapitallossesandinvestorsquestionthemeritofbondsovercash（orequities）.Thissearchforyieldinexoticplaceshas,sincetheendofJanuary,helpedtheBrazilianrealgainmorethan20%againsttheUSdollar,withtheRussianroublemanagingalmostasmuch.Thedollar,itself,hasfallenbackisby7.5%fallintrade-weightedterms,unwindingnearly40%ofthegainsithasseensincemind-2014.There'snoneedtopanicaboutbondyieldsrising,becauseraterisesinJapanortheEurozoneareyearsawayandtheFed'sstilltinkering.But10-yearyieldsonbothGermanandJapanesegovernmentbondyieldsfellbelowzeroforthefirsttimeinlateJune.Theyhavebeenedginghigherthroughthesummer.It'salmostasifinvestorsreallyaren'tthatkeenontyingmoneyupatnegativeyieldsforthatlong–whynotsticktocash?IntheUS,estimatesof"neutral"realinterestratesaretumblingtoaroundzero.Estimatesofhowmuchslackthereisleftinthelabourmarketarebeingrevisedupandafterfiveyearswhenproductivitygrowthhasaveragedameasly0.5%,there'swidespreadacceptancethatit'sunlikelytoacceleratebymagic.Butevenifwetakeallofthisintoaccount,marketsarenowpricinginanextraordinarilyslowpaceofratehikesbytheFed–fromtheircurrent0.25-0.5%range,toabout0.75%bytheendof2017andto1%bytheendof2018.GDPgrowthstilloscillatesaround2%,theFed'sfavouredmeasureofinflationisat1.6%andtheunemploymentrateistrendinglower.Thepricingofthefuturepathofshorttermratesseemstoolowevenforthe"newnormal"economicenvironment.AllofthesecurrencieshavegainedagainstthepoundandIcan'tseethatchanging.ToomuchimportanceshouldnotbeplacedoneitherthecollapseinconfidenceimmediatelyafterthevotetoleavetheEUorthesubsequentbounce.TheeconomicimpactofleavingtheEUwillbefeltthroughdelayedinvestmentdecisionsasaresultofuncertaintyaboutwhenandonwhattermsithappens.Adebilitatingratherthanacorrosiveimpactontheeconomywillbeseeninslower,butpositivegrowth.Itwillalsobefeltinfurther（slower）sterlingweakness.TheBankofEnglandhasalreadycutpolicyratesfrom0.5%to0.25%,andthere'smoretocomefromboththeBankandthepoundoverthenextyear.A5%fallfromherewouldtakethepoundcloseto€1.1,andwecouldseeitfallbelow$1.25astheFederalReserveedgesrateshigher.Accordingtothethepassageandtheregularityofratehikesfixedbythefedinthepastyears，whichofthefollowingaveragepercentageofrateswillriseeachofthecomingyears?A.0.75%B.0.5%C.0.25%D.1%

28、—CouldyoutakeamessageforMrBrown?—Certainly.I（）himaboutsomethingelseinanycase.Soit（）anybother.A.maysee;isn’tB.see;won’tbeC.willsee;isn’tD.willbeseeing;won’tbe

29、资料：Youcannotgoforwardbygoingbackward.Takethecurrentdebateabouttradeandglobalization,forinstance,whiletheimpulsetoerecttradebarriersisunderstandablegiventhepainexperiencedinrecentyears,itisnotthewaytocreatelastinggrowthandsharedprosperity.Overthepastthreedecades,globalflowsoftradeandinvestmenthaveaccelerateddramatically,creatingenormouseconomicvalue.However,tradeandglobalizationhavealsobroughtwrenchingjoblosses.Thefinancialcrisisandweakrecoveryhavemademattersworse,intensifyingthebacklashagainsttradeandglobalization.Part