2026年全国银行招聘之银行招聘综合知识考试黑金提分题详细参考解析

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、如果连续地增加某种生产要素，在总产量达到最大时，边际产量曲线（）。A.与纵轴相交B.经过原点C.与平均产量曲线相交D.与横轴相交

2、已知某企业本年目标利润为2000万元，产品单价为600元，变动成本率为30％，固定成本总额为600万元，则企业的保利量为（）。A.61905B.14286C.50000D.54000

3、TheBrunwickExplorerisasubmersibleroboticvehicledesignedtosearchformineraldepositsfar______thesurfaceofsea.A.behindB.belowC.beyondD.between

4、2020年3月10日国家主席习近平专门赴湖北省武汉市考察疫情防控工作。他强调，经过艰苦努力，湖北和武汉疫情防控形势发生积极向好变化，取得阶段性重要成果，但疫情防控任务依然艰巨繁重。越是在这个时候，越是要保持头脑清醒，越是要慎终如始，越是要再接再厉、善作善成，继续把（）作为当前头等大事和最重要的工作。A.疫情防控B.疫情监管C.疫情防治D.疫情管理

5、消费者的最优消费组合选择必须满足（）。A.边际替代率等于价格之比B.边际替代率高于价格之比C.边际替代率小于价格之比D.与边际替代率和价格之比无关

6、审计人员对有关人员进行书面或口头询问以获取审计证据的方法是()。A.函证B.查询C.分析性复核D.检查

7、根据我国法律规定，对于两个以上的申请人分别就同样的发明创造申请专利的，实行的原则为（）。A.使用在先B.完成在先C.申请在先D.按照本人的技术职称高低

8、资料：From:GloriaRichterTo:GuntherSchmidtSubject:E-mails;stafflounge;communicationproblemsDate:March3TherearesomecommunicationproblemsIwishtobringtoyourattention1.Eachdaywereceiveahugenumberofemailsfromcolleaguesinsidethecompanyandfromoverseascustomers.Someareimportantmanyarenot.Mystaffseemstospendalldaycheckingandsortingemails,whichistime-consumingandresultsinthemneglectingotherduties.2.Mystaffdoesn’tunderstandwhyyougotridofthestaffloungeafterthetakeover.Theysaythatitsaidtobeagoodplacetomeetpeoplefromotherdepartmentsandtoexchangeideas.MostofthemstillhavenotmetanyonefromSanicorpyet.3.Alotofmiddlemanagersarereallyconfusedaboutwhotheyshouldreportto.Weknowmanagementareplanningareorganizationbutisn’tittimetheytolduswhat’shappening?Whatcanbeinferredfromtheemail?A.GuntherSchmidtisthenewmanagerB.GloriaRichterisverydissatisfiedwiththepresentconditionC.Gloria’scompanycurrentlyunderwentarestructuringD.GloriaRichterusedtoworkforSanicorp

9、政府支出增加时，可能会使私人支出减少，这一效应称为（）。A.替代效应B.挤出效应C.投资乘数效应D.凯恩斯陷阱

10、资料：Economicperformanceisimprovinginmostoftheworld'sleadingeconomiesbutisstillshortofaself-sustainingupswing,theOrganizationforEconomicCooperationandDevelopmentsaidonWednesday.Inanupdatetoitseconomicforecasts,theParis-basedinternationalorganisationrepresentingadvancedeconomiessaidthatmoreprivatesectorinvestmentwasneededfortheexpansiontoendure,forwagestorisesustainabilityandforinequalitiestobetackled.Althoughallleadingeconomiesarenowrecordingpositivegrowth,CatherineMann,theOECD'schiefeconomist,urgedgovernmentsto“curbyourenthusiasm[because]strongandsustainedmedium-termglobalgrowthisnotyetsecured”.TheOECD'seconomicoutlookshowsupgradestothe2017growthforecastsinChina,RussiaandEuropeexcludingtheUKwiththeworldoutlookalsoappearingstrongerin2018.Worldgrowthshouldrisefromalowof3.1percentin2016,to3.5percentthisyearand3.7percentin2018,theOECDforecast,withtheUS,theEurozone,BrazilandRussiacontributingmosttotheimprovedglobaloutlook.China'spredictedgrowthrateof6.8percentin2017and6.6percentin2018hasbeenrevisedhigherby0.2percentagepointsinbothyearsandalthoughIndia'sgrowthratehasbeenreviseddown,reflectingadjustmenttoitsnewgoodsandservicestax,itislikelytoremainthefastestgrowinglargeeconomyintheworld.OnlytheUK,whichremainsembroiledinBrexitnegotiations,hasadeterioratingoutlook.RespondingtotheOECD'sforecastthattheBritisheconomywillbetheslowestgrowingintheGroupofSevenin2018havingbeennearthetopoftheleaguetablein2016,theBritishTreasurysaiditwasnotcomplacent.Accordingtothepassage,whichoneofthefollowingstatementistrue？A.TheRussia’s2017economicgrowthforecasthasbeenrevisedhigherB.Theleadingeconomieshaveachievedsustainablelong-termgrowthC.TheOECDisnotoptimisticaboutChina'seconomicgrowthD.India'seconomicgrowthforecasthavebeenupgraded

11、Manystateshave______,amendedorrepealedlawstoimproveschoolnutrition.A.institutedB.organizedC.manufacturedD.enacted

12、在1至1000，且包含1和1000的正整数中选出一个数，问该数是3和9的倍数的概率是（）A.见图AB.见图BC.见图CD.见图D

13、资料：Business,academicandcivicleadersinCambridgehavewarnedthatoneofBritain’smajoreconomicgrowthcitiesisunderthreatunlessthegovernmentactsquicklytorestoretrustpost-Brexit.CompanyexecutivesandeducationistsreportsomehighlyskilledforeignnationalsquittingorrefusingtocommittonewjobsinBritainbecauseofuncertaintyovertheirfuturelegalstatushere.IthasinthepastboastedofcreatingemploymentfasterthanChina,amidaboominthetechnologyandbiosciencesectors,whichledtothecitybeinglabelled”Silliconfen”,butnowtherearefearsofabigslowdown.“ThisisauniqueeconomicassetforEurope,”saidLordLansley,theformerConservationMPforSouthCambridgeshire,afteraspeciallyconvenedmeetingtodiscusstheproblemswithlocalpoliticiansandothers.”Thereisa[political]vacuumoutthereandtheredoesnotseemtobea[postBrexit]plan.Therearethingsweneedandifwegetthemwecancontinuetoprosperandbemoresuccessful”,Lansleyadded.HehasdrawnupaCambridgedeclarationwithhiscolleaguesmeanttoreassureexistingacademicandbusinessstafffromabroadthattheirpresencewillbeprotected.”Wearecommittedtointernationalcollaborationinresearch,scienceandtheexploitationofinnovative,knowledge-intensiveenterprises,”saysthedocument.LansleysayshewillbepushingtheBritishgovernmenttogiveacquiredrightstothe9,000EuropeancitizenslivingintheEastAngliancityoutofatotalpopulationof124,000.HealsowantstoseeacontinuationoffreelabourmovementtoallowEuropeanstocometoworkandstudyinCambridgeandsays”Weneedfreemovementforthemtocometoworkandtostudyhere.”WhydotheseskilledforeignnationalschoosenottoworkinBritain?A.BecauseoftheuncertaintyB.BecausetheeconomicslowdownafterBritianleavingtheEUC.Becausetheincreasing,difficultyoffindingoffindingajobinBritainD.BecausetheymayloselegalstatusafterBrexit

14、某商场在暑期推出“羽绒服反季大甩卖”活动，此种促销方式为（）。A.竞赛促销B.无偿促销C.折价促销D.惠赠促销

15、Icouldspeak____Japanese_____Chinese,soIhadtotalkwithhiminEnglish.A.notonly；butalsoB.both；andC.neither；norD.either；or

16、资料：Globalbusinesstraveltopped$1.2trillionandisexpectedtoreach$1.6trillionby2020,accordingtonewresearchbytheGlobalBusinessTravelAssociation（GBTA）,anassociationrepresentingtheinterestsofcorporatetravelmanagers.What’smoreChinahasnowsurpassedtheU.S.asthelargestbusinesstravelmarketintheworld,ringingup$291billionlastyear.Atthesametime,allisnotrosyandanumberofmajorissuesarelurkingahead.Aweakeningglobaleconomy,Brexitandthisyear’sU.S.presidentialelectionwillmeangrowthwillnotbeastraightlineupwards.“Theuncertaintycreatedbyfinancialupheavalandpendingchangestotradeandimmigrationruleswillraisemanagementheartburn.Thiswillcausesomepostponement,evenoutrightcancellation,ofbusinesstrips.Itmayalsotriggertravelbudgetconstrictionasmanagementseekstohedgetheuncertainty.”thereportsays.AtthesametimeConcur,acompanythatprovidessupportservicesfortravelmanagers,releasedthatthesharingeconomyisgainingtractionwithbusinesstravelers,basedonitsanalysisof40millionuserswhospendover$70billionannually.Concurdataindicates56percentgrowthforAirbnbtypeservicesinusagefromQ12015toQ12016.Onaverage,businesstravelersstayfivenightswhenhomesharingversusthreenightsinahotel.“Managingtravelandexpenseisbecomingincreasinglycomplex,betweenintegrationwithmobiletechnology,nuancesintravelerpreferences,andnewtravelsupplierstrategies,”notesRobbNielsen,vicepresidentofglobalproduceexperienceatConcur.“Thisdemandsafullyconnectedtravelandexpenseecosystempairedwithactionableinsights,givingtravelmanagersthevisibilityandcontroltheyneedtodrivecostsavings.”Apressreleasedadded,“Thevastmajorityofbusinesstravelersalsowanttoreceivepersonalizedtraveloptions.However,eventhoughbusinesstravelerswantpersonalizedoptions,theyarehesitanttosharetoomuchpersonalinformationtoobtainthem.Theyarecommonlywillingtosharedetailssuchastheirfrequentflyerorhotelloyaltynumber,preferredairlineandhotelbrandsandaircraftseatpreferences,butfewerthanhalfwouldsharetheirtravelhistory,preferredleisureactivitieswhiletraveling,theirbusinesscalendarwithbookedappointmentsandtheirsocialmediaaccountnames.”Whichfactordoesn’tcometotravelagent’smindwhenhandlingbusinesstrips?A.Traveldestinations’financialconditionsB.Travelsuppliers’strategiesC.Travelers’PreferenceD.MobileTech

17、一国的国内生产总值大于国民生产总值，则该国公民从国外取得的收入（）外国公民从该国取得的收入。A.大于B.小于C.等于D.不能确定

18、Passage8Treesshouldonlybeprunedwhenthereisagoodandclearreasonfordoingsoand,fortunately,thenumberofsuchreasonsissmall.Pruninginvolvescuttingawayofovergrownandunwantedbranches,andtheinexperiencedgardenercanbeencouragedbythethoughtthatmoredamageresultsfromdoingitunnecessarilythanfromleavingthetreestogrowintheirownways.First,pruningmaybedonetomakesurethattreeshaveadesiredshapeorsize.Theobjectmaybetogetatreeoftherightheight,andatthesametimetohelpthegrowthofsmallsidebrancheswhichwillthickenitsappearanceorgiveitaspecialshape.Secondly,pruningmaybedonetomakethetreehealthier.Youmaycutoutdiseasedordeadwood,orbranchesthatarerubbingagainsteachotherandthuscausingwounds.ThehealthofatreemaybeencouragedbyremovingthebranchesthatareblockingupthecenterandsopreventingthefreemovementofairOneresultofpruningisthatanopenwoundisleftonthetreeandthisprovidesaneasyentryfordiseases,butitisawoundthatwillheal.Oftenthereisaracebetweenthehealingandthediseaseastowhetherthetreewillliveordie,orthatthereisaperiodwhenthetreeisatrisk.Itshouldbetheaimofeverygardenertoreducetheriskasfaraspossible.Itisessentialtomaketheareawhichhasbeenprunedsmoothandclean,forhealingwillbesloweddownbyroughness.Youshouldallowthecutsurfacetodryforafewhoursandthenpaintitwithoneofthesubstancesavailablefromgardenshopsproducedespeciallyforthispurpose.Pruningisusuallydoneinwinterforthenyoucanseetheshapeofthetreeclearlywithouttheinterference（妨碍）fromtheleavesanditis,too,veryunlikelythatthecutsyoumakewillbleedIfthisdoeshappen,itis,ofcourse,impossibletopaintthemproperly.Treesbecomeunhealthyifthegardener（）.A.tohelpawoundtodryB.tocoversaroughsurfaceC.damagessomeofthesmallsidebranchesD.allowstoomanybranchestogrowinthemiddle

19、资料：There'sagoodchancethatspicycrunchytunarollyouorderedforlunchdoesn'tactuallycontainanytunaatall.That'sbecause74%offishsoldatsushivenuesintheUSismislabeledandoftencompletelydifferentthanwhat'sonthemenu,accordingtoa2013surveyfromtheoceanconservationgroupOceana.Butnewtechnologycouldhelpmaketheseafoodbusinessabitmoretransparent.GoogleisteamingupwithOceanaandtheaerialandsatelliteimagingnonprofitSkyTruthtolaunchGlobalFishingWatchthisfall,theNewYorkTimesreports.Theinitiativewilltrackandanalyzefishingboatpracticesusingsatellitetechnologyand,ideally,helpensurethatfewerfakeormislabeledfishareswappedinalongtheway.Seafoodprovidersarealsoinvestingintechnologytoreducefraud.BostonseafooddistributorRed'sBest,forexample,hasincreasedtransparencybysellingfishwithlabelsthatbuyerscanscanwiththeirsmartphonestoaccessawebpagethatprovidesdetailsabouttheindividualfish,includingwherethefishcamefrom,theNewYorkTimesreports.Evenifarestaurantservessomereal,correctlylabeledfish,95%ofthe118sushirestaurantssurveyedbyOceanaincitiesincludingNewYork,Chicago,andLosAngeleshadatleastonefakedsushiitemonthemenu.Currently,thebiggestculpritsforfakesushiaresnapper（92%misleadinglylabeled）andtuna（71%）.Whitetunaisoftenswappedforescolar,whichissometimescalledthe"Ex-LaxFish,"accordingtoInsideEdition,becauseitcancauseintestinalproblems.Roughly75%offishlabeledsnapperisn'tevenfromthesnapperfamily.Becauseofthepredominanceoffraudinthesupplychain,NewYorksushirestaurantSushiNakazawarefusestoserveredsnapperbecausetheriskoffakefishistoohigh.Accordingtothepassage,wecaninferthat______.A.SushirestaurantsverifiedbyOceanaprovidenofakefishB.itwouldbebetternottoeatsushiinAmericaC.thenewtechnologycanhelpdealwiththefakesushitosomeextentD.fakeormislabeledfishwillnolongerexistinthesushimarket

20、Theleftwingpartywantstokeepthesetwoactions________.A.combinationB.combiningC.combinedD.combine

21、资料：Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.Sittingintheofficesleepdeprivesit’sdifficulttorememberyourownname,letalongtheever-lengtheningto-dolist.Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwillactuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroupofparticipantstogetafullnights’sleepwhileanotherhadtostayupallnight.Inthemorningtheyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitnessstatementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.Forexample,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthewitnessstatementitsaidheputitinhispants（that's‘trousers’forBritishpeoplenothisunderwear!）.Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.Theresultsshowedthatthosewho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethefalseeyewitnessstatementsthey'djustreadratherthanrememberingthe‘true’crime-scenephotosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheadstotheextentthealltheevidence—rightandwrong—hadgotmixedup.Oneofthestudy'sauthors,KimberlyFenn,said:”Peoplewhorepeatedlygetlowamountsofsleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemorydistortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,apreliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocausepeopletostartmanufacturingfalsememories.Whichdoestheunderlinedword“regurgitate”（paragraph2）mean?A.repeatB.pourbackC.feedD.remix

22、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

23、下列字符中，其ASCII码值最大的是（）。A.9B.DC.aD.y

24、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

25、资料：ElizabethBlackwellwasborninEnglandin1821,andmovedtoNewYorkCitywhenshewastenyearsold.Onedayshedecidedthatshewantedtobecomeadoctor.Thatwasnearlyimpossibleforawomaninthemiddleofthenineteenthcentury.Afterwritingmanylettersaskingforadmission（录取）tomedicalschools,shewasfinallyacceptedbyadoctorinPhiladelphia.Shewassodeterminedthatshetaughtschoolandgavemusiclessonstogetmoneyforthecostofschooling.In1849,aftergraduationfrommedicalschool,shedecidedtofurtherhereducationinParis.Shewantedtobeasurgeon（外科医生）,butaseriouseyeproblemforcedhertogiveuptheidea.UponreturningtotheUnitedStates,shefounditdifficulttostartherownpracticebecauseshewasawoman.By1857Elizabethandhersister,alsoadoctor,alongwithanotherwomandoctor,managedtoopenanewhospital,thefirstforwomenandchildrenBesidesbeingthefirstwomanphysicianandfoundingherwonhospital,shealsosetupthefirstmedicalschoolforwomen.Whycouldn’tElizabethBlackwellrealizeherdreamofbecomingasurgeon?A.ShedecidedtofurtherhereducationinParisB.seriouseyeproblemshoppedherC.Shecouldn’tgetadmittedtomedicalschoolD.ItwasdifficultforhertostartapracticeintheUnitedStates

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

27、“豆蔻”指女子（）岁。A.20B.13C.15D.16

28、法人的有限责任是指（）。A.法人只承担一定范围内的责任B.法人只承担一定数额上的责任C.法人只以其所有的财产独立承担责任D.法人只以其一定的财产承担责任

29、某融资公司以经营不善为由拖欠张某的工资长达半年，根据《商业银行法》规定，若张某要求该公司的开户银行对该公司的存款进行（）的操作时，开户银行有权拒绝张某。A.查询B.冻结C.他选项全部D.扣划

30、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.Aftercompletingthefinancialclass,DianeRayislikelyto（）.A.payoffallherdebtsB.handlehermoneybetterC.findajobinabankD.managethefamilyincome

31、WangHongspeaksEnglishverywell.—_.ShecantalkwithAmericansfreely.A.Ihope