2026年全国银行招聘之银行招聘综合知识考试进阶提升题附答案

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、Itwasbecauseshewastooinexperienced_shedidn’tknowhowtodealwiththesituation.A.sothatB.thatC.thatiswhyD.so

2、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.Whyisaspecialmaterialpaintedonthetree?（）A.causeitcanhelpawouldtodryB.BecauseitcancoveraroughsurfaceBBecauseitcanmakeawouldsmoothC.Becauseitcanpreventdiseaseenteringawound

3、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

4、狭义的国际金融市场是指（）。A.外汇市场B.国际资金市场C.国际保险市场D.国际黄金市场

5、下列哪种结算工具适用于异地先拿货款后发货的结算？()A.银行汇票B.商业汇票C.银行本票D.支票

6、已知某投资项目按14％贴现率计算的净琨值大于零．接16%贴现率计算的净现值小于零，则该项目的内含报酬率肯定（）。A.大于14％，小于16％B.小于14％C.等于15％D.大于16％

7、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.Whatmainobstacle（障碍）almostdestroyedElizabeth’schancesforbecomingforadoctor?A.ShewrotetoomanylettersB.Shecouldn’tgraduatefrommedicalschoolC.ShewasawomanD.Shecouldn’tsetupherhospital

8、资料：Gonearethedaysof“one-size-fits-all”employeebenefitsprogramsandherecomenewlydesignedandfullycustomizedvoluntarybenefits.Voluntarybenefitsareonlongerlookedatasjustafew“extras”,andarenowbecomingpartofacomprehensivebenefitspackage.Lot'stakealookathowvoluntarybenefitshavebecomemorecustomizedtomeettherequirementsofamoreparticularhealthcareconsumer.VoluntaryBenefitsBolsterRecruitmentandRetentionEffortsItgivesemployeesachancetoselectextrasthatthestandardhealthcareplandoesn'toffer,whichcanbehighlyattractivetotoday'sconsumersEmployerscanalsousevoluntarybenefitstoroundouttheirhealthcareplanswithamenuofitemsthatcovereverythingfromfamilyvisioncaretopetinsurance.Thishelpscompaniestoaddressthespecificheathandfinancialneedsofcandidates,tohelpthestretchtheirfuturepaychecksevenfurther.TheAdvantagesofOfferingVoluntaryEmployeeBenefitsIntermsofbeingadaptabletotheneedsofemployees,thereareveryfewbenefitsthatarelikevoluntaryplans.Voluntaryplanscovermanyofthegapsthattraditionalhealthbenefitsdonotcover.Forexample,ahealthcareplanmayrequiredentalservicesforminors,butnotforadults.Thevoluntarydentalprogramcancoverthingslikeroutinecleaningsandotherpreventativemeasuresthathelpsupportgoodoralhealth.CustomizingVoluntaryBenefitPlansThereareseveralareaswherevoluntarybenefitplansexceedthecustomizationoptionsofothertypesofwellnessandfinancialbenefits.Thisisacontinualtrendthatwewillseemoreof.Financialwellnessbenefitscanincludebudgetingsoftware,companymatchedsavingsplans,employeepurchaseprograms,discountcards,creditunionaccess,andevenshorttermfinancingtohelpemployeeswhootherwisecannotgetcredittopurchasethingstheyneed.Somecompaniesoffersupportforbuyingofleasingvehicles,payoffcollegeloans,arrangeforspecialdiscountsanddealsonhomerentalsandpurchases,andevenprovideaccesstotuitionforcollegeexpenses.Accordingtothepassage,whichisprobablyNOTincludedinthefinancialwellnessbenefits?A.LongtermfinancingtohelpemployeesB.EmployeepurchaseprogramsanddiscountcardsC.PayoffcollegeloansD.Budgetingsoftwareandcompanymatchedsavingsplans

9、当出租车租金价格上涨后，对公共汽车服务的（）。A.需求增加B.需求减少C.需求不变D.需求可能增加，也可能减少

10、对银行机构流动性监管内容不包括（）。A.流动性负债大于自有资本B.资产负债期限匹配C.流动性应保持在适度水平D.银行资产变化情况

11、Exce1的工作表中，通常情况下列标记是（），行标记是（）。A.字母、数字B.数字、字母C.汉字、数字D.数字、汉字

12、2月9日，国家主席习近平在北京以视频方式主持中国-中东欧国家领导人峰会，并发表题为（）的主旨讲话。A.《凝心聚力，继往开来携手共谱合作新篇章》B.《凝心聚力，勇往直前携手共谱合作新篇章》C.《凝心聚力，继往开来携手共谱和平新篇章》D.《凝心聚力，继往开来携手共谱发展新篇章》

13、资料：Manypeoplethinkofinternalcontrolasameansofsafeguardingcashandpreventingfraud.Althoughinternalcontrolisanimportantfactorinprotectingassetsandpreventingfraud,thisisonlyapartofitsroles.Rememberthatbusinessdecisionsarebasedonaccountingdataandthesystemofinternalcontrolprovidesassuranceofthedependabilityoftheaccountingdatausedinmakingdecisions.Thedecisionsmadebymanagementarecommunicatedthroughouttheorganizationandbecomecompanypolicy.Theresultsofthepoliciestheconsequencesofmanagerialdecisionsmustbereportedbacktomanagementsothatthesoundnessofcompanypoliciescanbeevaluated.Amongthemeansofcommunicationincludedinthesystemofinternalcontrolareorganizationcharts,manualsofaccountingpoliciesandprocedures,flowcharts,financialforecasts,purchaseorders,receivingreports,invoices,andotherdocuments.Thetermdocumentationreferstoallthecharts,forms,reports,andotherbusinesspapersthatguideanddescribetheworkingofacompany'ssystemofaccountingandinternalcontrol.Internalcontrolsfallintotwomajorclasses:administrativecontrolsandaccountingcontrols.Administrativecontrolsaremeasuresthatincreaseoperationalefficiencyandcompliancewithpoliciesinallpartsoforganization.Forexample,anadministrativecontrolmaybearequirementthattravelingsalespersonssubmitreportsshowingthenumberofcallsmadeoncustomerseachday.Anotherexampleisadirectiverequireairlinepilotstohaveregularmedicalexaminations.Theseinternaladministrativecontrolshavenodirectbearingonthereliabilityofthefinancialstatements.Consequently,administrativecontrolsarenotofdirectinterestonaccountantsandindependentauditors.Internalaccountingcontrolsaremeasuresthatrelatetoprotectionofassetsandtothereliabilityofaccountingandfinancialreports.Anexampleistherequirementthatapersonwhosedutiesinvolvehandlingcashshallnotalsomaintainaccountingrecords.Morebroadlystated,theaccountingfunctionmustbekeptseparatefromthecustodyofassets.Anotheraccountingcontrolistherequirementthatchecks,purchaseorders,andotherdocumentsbeseriallynumbered.Stillanotherexampleistherulethatapersonwhoordersmerchandiseandsuppliesshouldnotbetheonetoreceivethemandshouldnotsigncheckstopayforthem.（）arenotthemeansofcommunicationincludedinthesystemofinternalcontrols.A.FinancialforecastsB.AccordingrulesC.ManualsofaccountingpoliciesandproceduresD.Organizationcharts

14、货币市场工具一般具有期限短、流动性强、对利率敏感等特点，有（）之誉。A.货币B.票据C.基础货币D.准货币

15、It'stoo（）todothebungeejumpingfromthecliff.A.residentialB.remoteC.riskyD.ridiculous

16、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

17、如果金银的法定比价为1：20，而市场比价为1：15，按照格雷欣法则，那么这时充斥市场的将是（）。A.银币B.金币C.银行券D.金银混合币

18、魏源在《海国图志》中阐述了“师夷长技以制夷”的思想。他所说的“长技”在19世纪中期已经出现的是（）。A.电话B.火车C.电视D.飞机

19、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

20、在双本位制的货币体系下，（）两种货币按法定比价流通，在一定程度上克服了平行本位制下混乱局面。A.金锡B.银铜C.金铜D.金银

21、材料一：为进一步支持实体经济发展，优化流动性结构，降低融资成本，中国人民银行决定下调金融机构存款准备金率1个百分点，其中，2019年1月15日和1月25日分别下调0.5个百分点。同时，2019年一季度到期的中期借贷便利（MLF）不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动，有利于金融机构继续加大对小微企业、民营企业支持力度。法定存款准备金率下降，商业银行的法定存款准备金亦减少，这是因为法定存款准备金等于（）。A.库存现金+商业银行在中央银行的存款B.法定存款准备金率×库存现金C.法定存款准备金率×存款总额D.存款准备金-法定存款准备金

22、多路复用技术通常分为时分多路复用、（）和波分多路复用。A.村分多路复用B.频分多路复用C.幅分多路复用D.空分多路复用

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

24、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

25、Mayisas（）asapeacockandalwayswantstobethecenter.A.beautifulB.smartC.slenderD.vain

26、资料：JobResponsibilities:1.EntersIEPdataintointernaldatabase2.Reviewstherapistssessionnotesforaccuracyandfilestheminstudentcharts3.Preparesandsubmitsmonthlystatistics（attendance,mealcounts）toexpeditemealreimbursementunderCACFP4.EntersstudentdataontoCMRandpreparesmonthlyrosterforsubmission5.EnterchildrenintoPre-Krideranddoesupdatestosystemasneeded6.Assistswithpreparationofannualreviews,sortingreportsandmailingpacketstodistricts7.Preparesandrevisesschoolformsincludingrosters,classlists,stafflists,monthlycalendars,formletters,schedules,etc.8.Assistswithfiredrillsbytimingtheevacuationandmaintainingappropriaterecordstoensureprocedurepolicycompliance9.Maintainsdailystaffattendancerecords,preparesbi-weeklytimecards,trackspersonal,comp,sickandholidaytime10.TracksandmonitorsthedaycareprogramfortimelysubmissionofpaymentsandcontractsduringFallandSummerterms11.TracksenrollmentforUPKprogramperschoolyear12.Providessecretarialsupporttoensuresmoothflowofoperationsby:a）Typingalladministrativeandconfidentialreports,memosandcorrespondenceb）Maintaininginventoryofofficeandcleaningsuppliesbysubmittingorderswheninventoryislow,trackingordersandreceivingorderswhensuppliesaredelivered.c）Servesasthereceptionisttoreceiveanddirectphonecalls,takemessages,screenanddirectvisitorsReceiveandsortallincomingmail,packagesanddeliveries.d）Maintainsschooladministrativefilesbyfilingcorrespondence,schoolforms,memos,budgetsimmediatelyuponcompletion.e）Maintainsofficeequipmentinworkingorderbycontactingrepairpersonnel.Education:HighSchoolDiploma/GEDwithsecretarialTrainingExperience:5yearssecretarialexperienceSkills:Typing65wpm,excellentreceptionistskills,excellentinterpersonalskills,congenialphonemanner,computerliteracy,significantknowledgeofbookkeeping.BilingualSpanish/Englishhelpful.WhichofthefollowingisNOTincludedintheschoolforms?A.monthlycalendarsB.stafflistsC.classlistsD.healthforms

27、资料：Britainisfacinga“crisisoffatherlessness”inwhichalmosthalfofallchildrenborntodaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthethinktankfoundedbyIainDuncanSmithhaswarned.AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister,arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenandboostedcognitiveskillsincludingreasoningandlanguagedevelopment.Cookclaimedtherewastoomuchofa“throwawayculture”toparenting,adding:“Overthelast40years,themeteoricriseinfamilybreakdownhasblighted（损害）thelivesofthepoorestchildrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,howwelltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsasadults.”Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedthatacultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceofparentingoncecoupleshadseparated.“Weneedasocietalshiftinperspectivefromregardingfathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild’slife.”hesaid.Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotentialimpactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.Histhinktank’sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenotlivingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educationalfailure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthemosttalentedchildrenfrompoorerfamilies.TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM'spovertyadviser,saidthehopeofthepreviousstrategywasto“startaparentingrevolution——fortoolongpoliticianslookedawayasfamilyinstabilityandpoorchilddevelopmentblightedlivesinthepoorestneighbourhoods”.“Parentswantwhat'sbestfortheirchildren,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwewanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthyrelationships”.Cookimpliesthatthekeytothefightagainstpovertyis______.A.preferentialpoliciesforthepoorerchildrenB.morecomprehensiveresearchintoitscausesC.headteachersgoodatinspiringtalentedchildrenD.solutionstotheconflictintheeducationsector

28、我国《经济法》调整的对象是（）。A.一切经济关系B.特定经济关系C.全部财产关系D.社会关系

29、研究者通过对300名小学生长达20年的观察，发现被夸聪明的孩子更容易半途而废、自信心不足和胆小怕事。后来，研究者在重复实验中加入了社会不同阶层的被试者，都发现了相同的结果。因此，研究者认为经常被表扬会带来许多负面效应。以下哪项如果为真，最能支持上述研究结论？（）A.表扬不一定都能起到积极效果，效果会因表扬的具体内容不同而不同B.另一项关于表扬的调查研究显示，被表扬的女性变得更胆小怕事C.另一项关于表扬的调查研究显示，积极表扬的被试组和无表扬的被试组在学习成绩的差异并不显著D.另一项关于表扬的调查研究显示，表扬对智商较高的男性影响最大，他们中的大部分在“失败反应”的测试中都崩溃了

30、资料：Manypeoplethinkofinternalcontrolasameansofsafeguardingcashandpreventingfraud.Althoughinternalcontrolisanimportantfactorinprotectingassetsandpreventingfraud,thisisonlyapartofitsroles.Rememberthatbusinessdecisionsarebasedonaccountingdataandthesystemofinternalcontrolprovidesassuranceofthedependabilityoftheaccountingdatausedinmakingdecisions.Thedecisionsmadebymanagementarecommunicatedthroughouttheorganizationandbecomecompanypolicy.Theresultsofthepoliciestheconsequencesofmanagerialdecisionsmustbereportedbacktomanagementsothatthesoundnessofcompanypoliciescanbeevaluated.Amongthemeansofcommunicationincludedinthesystemofinternalcontrolareorganizationcharts,manualsofaccountingpoliciesandprocedures,flowcharts,financialforecasts,purchaseorders,receivingreports,invoices,andotherdocuments.Thetermdocumentationreferstoallthecharts,forms,reports,andotherbusinesspapersthatguideanddescribetheworkingofacompany'ssystemofaccountingandinternalcontrol.Internalcontrolsfallintotwomajorclasses:administrativecontrolsandaccountingcontrols.Administrativecontrolsaremeasuresthatincreaseoperationalefficiencyandcompliancewithpoliciesinallpartsoforganization.Forexample,anadministrativecontrolmaybearequirementthattravelingsalespersonssubmitreportsshowingthenumberofcallsmadeoncustomerseachday.Anotherexampleisadirectiverequireairlinepilotstohaveregularmedicalexaminations.Theseinternaladministrativecontrolshavenodirectbearingonthereliabilityofthefinancialstatements.Consequently,administrativecontrolsarenotofdirectinterestonaccountantsandindependentauditors.Internalaccountingcontrolsaremeasuresthatrelatetoprotectionofassetsandtothereliabilityofaccountingandfinancialreports.Anexampleistherequirementthatapersonwhosedutiesinvolvehandlingcashshallnotalsomaintainaccountingrecords.Morebroadlystated,theaccountingfunctionmustbekeptseparatefromthecustodyofassets.Anotheraccountingcontrolistherequirementthatchecks,purchaseorders,andotherdocumentsbeseriallynumbered.Stillanotherexampleistherulethatapersonwhoordersmerchandiseandsuppliesshouldnotbetheonetoreceivethemandshouldnotsigncheckstopayforthem.Anairlinepilothavingregularmedicalexaminationsisanexampleof（）.A.internalaccountingcontrolsB.internalfinancialcontrolsC.administrativecontrolsD.externalcontrols

31、科斯定理通常受到（）的影响，使私人间无法达成协议。A.管制B.需求C.价格D.交易成本

32、资料：HowdidTencenttakeWeChatsofaraheadofitsrivals?Theanswerliespartlyinthepeculiaritiesofthelocalmarket.UnlikemostWesterners,manyChinesepossessedmultiplemobiledevices,andtheyquicklytooktoanappthatofferedthenaneasywaytointegratethemallintoasingledigitalidentity.InAmericamessagingappshadapotentcompetitorintheformofbasicmobile-phoneplans,whichbundiedinSMSmessaging.ButtextmessageswerecostlyinChina,soconsumerseagerlyadoptedfreemessagingapp.Ande-mailnevertookoffonthemainlandthewayithasaroundtheworld,mainlybecausetheinternetcamelate;thatleftanopeningformessagingapps.ButthebiggerexplanationforWechat'sriseisTencent'sabilitytoinnovate.ManyChinesegrewupusingQQ,aPC-basedmessagingplatformofferedbyTencentthatstillhasover800mregisteredusers.QQwasacopyofICQ,apioneeringIsraeliMessagingservice.ButthenChineseimitatorlearnedtothinkforitself.Spottingthecomingriseoftheinternet.Tencentchallengedseveralinternalteamstodesignanddevelopasmartphone-onlymessagingapp.TheQQinsiderscameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanotherteamofoutsiders（fromajust-acquiredfirm）cameupwithWeixin.WhenTencentlaunchedthenewapp,itmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda“redpacket”campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilytocelebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwascleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanofAndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,ofteninrandomizedamounts.Whatistheoutcomeoftheredpacketcampaign?A.UsersareincreasingtoformgroupsB.ItcausedpeopletosendmoneyinrandomamountsC.Thegift-givingprocessbecameanexcitinggameD.ItchangedthewayChinesepeoplesendeachothergifts

33、资料：Arewalkerssmarterthandrivers?AreportpublishedlastmonthsaysmetropolitanareasintheUnitedStatesthatwerefoundtobemorepedestrian-friendlyalsooftenhadhigherlevelsofGDP-andtheircitizenswerebettereducated.ThestudywasconductedbySmartGrowthAmerica,anurbanadvocacygroupbasedintheDistrictofColumbia.Itlookedatthe30biggestmetrozonesintheUS,andrankedthembyhowmuchoffice,retail,andresidentialareawasconducivetowalking.Thequestionis,why?Dobrainierpeoplejustliketowalkandnotdrive?It'sacomplicatedanswer.Whatwedon'tknowiswhetherwalkableplacesattracteducatedpeople,orwhethereducatedpeoplemovetocertainplacesthatthenbecomemorewalkable.That'snotall:Educationlevelsaren'tjusthigherinwalkablecities.GDPis,too.ThegapbetweenthehighestandlowesturbanmetrosbyGDPinthestudyisachasmof49%,whichscholarcallsa"firstandsecondworldgap.Thisisseriousstuff."Ofcourse,correlationdoesn'tequalcausation.There'snotenoughdatatodefinitivelysaywhytheseurbanareasarefilledwitheducatedpeople.Butit'sdefinitelyastartingpointforconversation:Manysocioeconomicandgenerationaltrendstheworldovercouldhelpexplainwhyuniversitygraduatesgravitatetowardcrowded,subway-linedmetropolisesthesedays.Infact,suchanintellectualinfluxhasstartedtochangetheentirefacesofsomeurbanareas.Increasedurbanizationisn'ttheonlyreasoncar-eschewingcitiesseesmartercitizens.Youngpeopleplayarole,too.Millennials-thosebornbetweenaround1981and1996-arethemosteducatedgenerationinhistory.Nearlyhalfofthemholdabachelor'sdegreeorhigher.They'realsoallmovingtocities,unliketheirparents.ThesespikesintheworkforcetranslateintometroswithhigherGDPandhigheroveralleducationlevels.Whatphenomenonhasbeenfoundbyscholars?A.EntirefacesofurbanareasarechangingfastB.Metropolitanareasaremorepedestrian-friendlyandricherC.EducatedpeopleprefertoliveinwalkableplacesD.Walkableplacesattracteducatedpeople

34、20世纪30年代，美国经济危机产生的直接原因是生产和销售之间的矛盾加剧。加剧这一矛盾的因素有（）。①国民收人分配不均②分期付款和银行信贷过多③股票投机活动猖獗④工商企业大量破产倒闭A.①②③B.②③④C.①②④D.②③

35、Therewasa___rushtogeteverythingreadyfortheunexpectedinspectionfromthesuperiors.A.calmB.madC.franticD.wild

36、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.Accordingtothepassage,theforumf