2026年全国银行招聘之银行招聘综合知识考试提优特训题（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、投资银行最本源、最基础的业务活动不包括（）。A.证券发行与承销业务B.证券经纪与交易C.承销业务D.风险投资

2、DNS服务是指（）。A.动态域名解析B.动态分配IP地址C.互联网接入服务D.网络安全架构

3、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%

4、为深入落实2021年中央一号文件要求，巩固拓展脱贫攻坚成果同乡村振兴有效衔接，中国银行间市场交易商协会于近期推出首批乡村振兴票据。农业银行作为牵头主承销商和簿记管理人，成功为中粮集团有限公司发行2021年第一期中期票据（乡村振兴），发行期限（）年，发行规模20亿元，募集资金主要用于支持中粮集团粮食收储工作。作为全国首批乡村振兴债，本次债券的成功发行对于保障粮食安全、促进农民增收、实现乡村振兴发展具有重要意义。A.2年B.3年C.4年D.5年

5、新中国成立以后，我国政府制定了“两弹一星”的战略决策，这一战略目标的实现是在（）。A.20世纪50一60年代B.大跃进时期C.20世纪60-70年代D.“文革”时期

6、Herspeechwas______,thatistosay,we______herspeech.A.impressive;wereimpressingbyB.impressed;wereimpressedatC.impressive;wereimpressedwithD.impressing;wereimpressingat

7、某企业生产一种产品，2009年3月1日期初在产品成本为7万元：3月份发生如下费用：生产领用材料12万元，生产工人工资4万元，制造费用2万元，管理费用3万元，广告费用6万元；月末在产品成本为6万元。该企业3月份完工产品的生产成本为（）万元。A.16.6B.18C.19D.23.6

8、Itisdifficulttoknowwhyaworkofartproducessomeemotions，butithasbeenknownforaverylongtimethatpaintings，musicandpoetryhavethepowertotouchus，torepelusandto______intensepleasureordispleasure.A.riseB.ariseC.raiseD.arouse

9、在我国货币层次划分中，M。通常是指（）。A.企业单位的活期存款B.流通中的现金C.居民储蓄存款D.银行全部存款

10、在PC机中，音响通过声卡插在主板的（）中。A.PCI总线插槽B.I／O端口C.USB口D.SIMM插槽

11、汉代人关于《离骚》篇名的解释有（）。A.离别的牢骚，离开忧愁B.离别的忧愁，遭遇忧愁C.离别的牢骚，遭遇忧愁D.离别的忧愁，离开忧愁

12、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.WhichofthefollowingisNOTtrue?A.DreaminvolveseventsthatalwayshappeninreallifeB.DreamisanimaginarystorywhichseemsrealwhiletakingplaceC.Dreamisrelatedtothedreamer'sreallifeD.Dreamisaconfusingstorywhichinvolveslittlelogicthought

13、根据《巴塞尔协议》的规定，以下属于商业银行核心资本的是（)。A.中期优先股B.损失准备C.附属机构的少数股东权益D.可转换债券

14、在1月18日凌晨结束的2021斯诺克大师赛决赛中，20岁的中国球员（）战胜英国名将约翰·希金斯夺冠，成为历史首位“00后”大师赛冠军。A.颜丙涛B.颜振涛C.丁俊辉D.王涛

15、下列说法不正确的是（）。A.鲁迅是中国现代文学的奠基人B.郭沫若的《女神》是现代文学史上第一篇白话文C.田汉是中国现代戏剧的奠基人D.巴金是现代家族小说的开拓者

16、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

17、针对社会关切，20日提请全国人大常委会会议审议的教育法修正草案拟进一步明确（）相关行为的法律责任。A.校园安全B.冒名顶替入学C.校园暴力D.未成年人保护

18、（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”。第4段中作者提到“乔治-欧哲斯团队”的研究结果是“没有证据支持家长们的担心”，请推测怎样的证据最能支持“家长们的担心”？（）A.增加线上沟通会减少青少年与朋友的距离感B.移动世界的体验与实际生活中的体验是相同的C.青少年沉浸于数字世界之后很少参加线下活动D.青少年可以通过移动设备在线上交到更多的好朋友

19、ArtistsattheZadoneGalleryareabletocreatereproductionsoffamouspaintingsthatare____authenticlooking.A.remarkB.remarkablenessC.remarkableD.remarkably

20、根据《会计档案管理办法》的规定，总分类账、明细分类账、辅助账、日记账均应保存()。A.20年B.15年C.25年D.10年

21、人民银行规定的贷记卡透支年利率是（）。A.10%B.15%C.18%D.20%

22、期末根据账簿记录．计算并记录出各账户的本甥发生额和期末余额．在会计上叫（）。A.对账B.结账C.调账D.查账

23、2012年5月13日，《中华人民共和国政府、日本国政府及大韩民国政府关于促进、便利和保护投资的协定》于（）正式签署。A.北京B.首尔C.东京D.上海

24、对擅自使用与知名商品相近似的名称、包装、装潢，造成和他人的知名商品相似使购买者误认为是该知名商品的行为判断，所依据的是（）。A.《商标法》B.专利法》C.《消费者权益保护法》D.《反不正当竞争法》

25、商业银行的经营是指对其所开展的各项业务活动的（）。A.组织和控制B.组织和营销C.控制和监督D.计划和组织

26、资料：之后，经济学家Mr.U与你讨论了一些潜在的问题，请根据下列资料回答问题。KGVisstraditionalhigh-streetmusicretailer.BasedinAmsterdam,ithas12storesintheNetherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEuropeandnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthroughadifficultperiod.Overthelastthreeyears,profitshavesteadilyfallen,from450mEurosto290mEuros.Themegastores’saleshaverisenby,accountingforofthecompany’sturnover,buttheincreasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsforKGV’spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploitingtheopportunitiesofferedbysellingthroughtheInternet.WhatkindcompanyisKGV?（）A.ItismusicstudioB.ItisanadvertisingagencyC.Itisahigh-streetmusicretailerD.Itisaconsultingfirm

27、资料：ThesoybeanpricesendedhigherthisMondayastradersexpectsuppliestoremaintight.TheactivelyJulycontractforsoybeansrose20centstosettleat$14.85abushel.TheU.S.government'sweeklypredictionforsoybeanexportswashigherthantradersexpected,saidMikeZulo.PresidentofaconsultingcompanyinAtchison,Kansas.SuppliesforbeanshavebeenextraordinarilytightasChina'sdemandforsoymealcontinuestoincreaseevenasU.S.productionstaysrelativelysteady,hesaid.Soybeanpriceshaverisenabout15percentthisyear.“ThatU.S.D.A.numbercausedthetradetorefocusonjusthowrazor-thinsuppliesareheadingintonextfall'sharvest.”Zulosaid.Whydidthepricesofsoybeanriseaccordingtothepassage?A.BecausethegeneralproductionofsoybeanstayedsteadyB.BecausethesupplieswereexpectedtokeeptightC.BecauseChina’sdemandforsoybeanincreasedD.Becausethetradeofsoybeanwasquiteactive

28、票据丧失的补救措施不包括（）。A.停止支付B.挂失止付C.公示催告D.提起诉讼

29、微观经济学要解决的核心问题是（）。A.资源的配置B.资源的利用C.资源的用逢单一D.国民收入决定

30、如果报表上有关项目的名称或金额受到限制或需要简要补充说明时，可直接采用（）。A.底注B.旁注C.底表D.侧表

31、下列选项中属于完全物权的是（）。A.抵押权B.质权C.所有权D.留置权

32、对单个建筑物内的低通信容量的局域网来说，较适合的有线传输媒体为（）。A.光纤B.双绞线C.无线D.同轴电缆

33、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

34、借助于金融市场的交易组织、交易规则和信用制度，以及丰富的可供选择的金融产品和便利的资产交易方式，为各种期限、内容不同的金融工具互相转换提供了必需的条件，可降低交易成本，便利金融工具实现交易的金融市场功能是（）。A.货币资金融通功能B.优化资源配置功能C.交易及定价功能D.经济调节功能

35、Passage3Today,widespreadsocialpressuretoimmediatelygotocollegeinconjunctionwithincreasinglyhighexpectationsinafast-movingworldoftencausesstudentstocompletelyoverlookthepossibilityoftakingagapyear.Afterall,ifeveryoneyouknowisgoingtocollegeinthefall,itseemssillytostaybackayear,doesn’tit?Andaftergoingtoschoolfor12years,itdoesn’tfeelnaturaltospendayeardoingsomethingthatisn'tacademic.Butwhilethismaybetrue,it'snotagoodenoughreasontocondemngapyears.There’salwaysaconstantfearoffallingbehindeveryoneelseonthesociallyperpetuated“racetothefinishline,”whetherthatbetowardgraduateschool,medicalschoolorlucrativecareer.Butdespitecommonmisconceptions,agapyeardoesnothinderthesuccessofacademicpursuits—infact,itprobablyenhancesit.StudiesfromtheUnitedStatesandAustraliashowthatstudentswhotakeagapyeararegenerallybetterpreparedforandperformbetterincollegethanthosewhodonot.Ratherthanpullingstudentsback,agapyearpushesthemaheadbypreparingthemforindependence,newresponsibilitiesandenvironmentalchanges—allthingsthatfirst-yearstudentsoftenstrugglewiththemost.Gapyearexperiencescanlessentheblowwhenitcomestoadjustingtocollegeandbeingthrownintoabrandnewenvironment,makingiteasiertofocusonacademicsandactivitiesratherthan?acclimation?blunders.Ifyou’renotconvincedoftheinherentvalueintakingayearofftoexploreinterests,thenconsideritsfinancialimpactonfutureacademicchoices.AccordingtotheNationalCenterforEducationStatistics,nearly80percentofcollegestudentsendupchangingtheirmajorsatleastonce.Thisisn’tsurprising,consideringthebasicmandatoryhighschoolcurriculumleavesstudentswithapoorunderstandingofthemselveslistingonemajorontheircollegeapplications,butswitchingtoanotheraftertakingcollegeclasses.It’snotnecessarilyabadthing,butdependingontheschool,itcanbecostlytomakeupcreditsafterswitchingtoolateinthegame.AtBostonCollege,forexample,youwouldhavetocompleteanextrayearwereyoutoswitchtothenursingschoolfromanotherdepartment.Takingagapyeartofigurethingsoutinitiallycanhelppreventstressandsavemoneylateron.Theunderlinedword“acclimation”（Para.3）isclosestinmeaningto（）.A.adaptationB.applicationC.motivationD.competition

36、We'llbeverycarefulandkeepwhatyou'vetoldusstrictly（）。A.rigorousB.privateC.confidentialD.mysterious

37、下列关于公文分类的说法正确的是（）。A.《党政机关公文处理工作条例》按适用范围将公文分为17种B.按公文的来源。可分为收文和发文两种C.按涉及机密的程度，保密公文分为绝密件、秘密件、普通件D.按办文时限要求，分为紧急件、加急件、平件

38、Passage4AlexTaw,a21yearoldstudentfromWiltshire,England.Hespentlastsummerlikeanyotherhighschoolgraduate—hangingoutwithfriends,preparingforcollege,worryingabouthisuniversityfees.Whilemostofhispeersgaveupontheirpipedreams,hesatdownwithanotebookathome,andjotteddownthequestion:HowcanIbecomeamillionaire?TheresultwastheMillionDollarH.Alex’sinitialinvestmentwas50poundstobuywebspaceandadomainname.Hedividedtheblankhomepageintoonemillionpixels,10,000blocksof100pixelseach.Eachpixelwasworth$1withminimumpurchase100pixels.WithinamonthAlexhadearnedsome$37,000,enoughforhimtocovertheentirecostofhisforthcomingthreeyearsatuniversity.Injustafewmonths,hebecamearealmillionaire.HowdidhecomeupwiththeideaoftheMillionDollarHomepage?“Well,IwastryingtothinkofawaytomakesomemoneybeforeIstarteduniversity,asIwasabouttotakeonahugedebtandIwasalreadyoverdrawn.Swiftactionwasnecessary!”Hesaid.Healsoadded,“Theimportantthingisthatanythingispossible—weareonlylimitedbyourimagination.Ialwayshadthisbeliefthatagoodideacanbesuccessfulonitsown.IthinkI’velearnedthatifwethinkdeepertherearemagicalsolutionshidingawayforustofind.”Hispersonalphilosophyaroundmoneyis:Moneyisnoteverything,butit’sanessentialpartofthewaywelive.Havingsomeremovesacertainamountofstress,but,unlesswearecareful,itcancreateanewtypeofstress.Healsosaid,“Istillwanttogotouniversity.Asidefromgainingknowledgeaboutbusiness,thereareotherreasons—exploringyourinterests,meetingnewpeople,andbeinginacreativeenvironment.”Besidesmakingcontributionstosociety,hewouldtrytoencourageandinspirepeopletothinkofcreativesolutionstoproblems,whatevertheyare.WhatdoestheunderlinedsentenceinParagraph6mean?（）A.Themoremoneywehave,themorestresswehaveB.MoneycanbeofgreathelpC.WeshouldtryourbesttoearnmoneyD.Moneyishelpfulinsomeway,butweshouldmakefulluseofit

39、明天就是选举日了，以下公民中不具有选举权的是（）。A.张某刚过完l7岁生日B.黄某被判有期徒刑3年执行中C.王某被查出患有精神病D.陈某被拘留l5天执行中

40、下列哪家机构不属于我国成立的金融资产管理公司？（）A.东方B.信达C.华融D.均不符合题意

41、Passage1Duringherjunioryearofhighschool,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.Thepassageismainlyabout（）.A.waystoteachstudentstoearnmoneyB.howDianeRaylearnstovaluemoneyC.thepushtoteachpersonalfinanceinschoolD.howstudentschooseaproperfinancialclass

42、日本和我国香港的财务公司采用的模式是（）A.美国模式B.中国模式C.英国模式D.日本模式

43、资料：TheOakviewCafe12TorpointHill,Aylesbury.Buckinghamshire.HP217SRwww.aokviewcafc.co.ukTheOakviewCafeproudlypresentsGordonMacaulayinasoloconcertat7p.m.on10September.Mr.Macaulayisknownforhispoeticsongsandfluidguitarplaying.LaurenTigheofTheAylesburyRecordwrites,"GordonMacaulayhasoneofthemostmelodiousvoicesIhaveeverheard."Don'tmissthisrareopportunitytohearhimintheintimatesettingoftheOakviewCafe.Ouraward-winningchef,LucasBrizard,willprepareaselectionofuniquedishes,butourregularmenuitemswillalsobeavailableonthedayoftheshow.Spaceislimited-purchaseyourticketsnowbyphoneoratthecafeduringnormalbusinesshours.Formoreinformationaboutusandafulllistingofourdishesfortheevent,pleasevisitourWebsite.Whatdoesthenoticeencouragereaderstodoonline?A.PurchaseticketsforaneventB.ViewafulldinnermenuC.ListentosamplesofmusicD.Readreviewsofaperformance

44、中央银行在经济衰退时，（）法定存款准备金率。A.调高B.降低C.不改变D.取消

45、Ournewproductwillbeputthroughanumberof（）testsbeforebeingreleasedtothepublic.A.dependentB.foundedC.withholdD.stringent

46、JustlastmonthItriedtowriteherapoem______“AmidstanAngel.”Butnotwowordswouldrhyme.A.assignedB.entitledC.deprivedD.granted

47、Passage1TheIMFbelievesthateconomicgrowthispickingup,soundsfamiliar.Aprilisthecruelestmonth,breedinglilacsoutofthedeadland,and,inWashington,chirpyforecastsfromtheIMFthatoftenproveabittoochirpy.OnApril18ththefundreleaseditssemi-annualWorldEconomicOutlook（WEO）,raisingitsforecastforglobalgrowthin2017to3.5%.Growthforecastsfortheemergingworldhavenotchanged.TheIMF'sglobaloptimismisbasedinsteadonhopesofincreasedgrowthintherichworld.ThefundtakesarosyviewoftheAmericaneconomy,citingbothhighlevelsofconsumerconfidenceandDonaldTrump'splansformoregovernmentspending.InBritaintheIMFnowreckonsGDPwillgrowby2.0%in2017,upfromearlierestimatesof1.5%（issuedinJanuary）and1.1%（lastOctober）.TheIMFhasalsoraiseditsforecastsforJapanandtheeuroarea.SniperspointoutthatIMFforecastshavebeenfarfromperfect.Someglitchesareexcusable.Inthespringof1990,itpredictedthatKuwait'seconomywouldgrowby0.8%thatyear.Itactuallyfellby26%.Whatdoestheunderlinedword“chirpy”refertoinparagraph2?（）A.optimisticB.pessimisticC.gloomyD.Objective

48、汇款人办理信汇时，如果是交付现金汇款，应该向银行另填制（）。A.一联特种转账贷方凭证B.一联特种收款贷方凭证C.一式三联的信汇凭证D.一式四联的信汇凭证

49、资料：TencentHoldingsLtdhasannouncedthatitwillfullyopenupitsbigdataplatformandmachinelearningtechnologyinamovetobuilda"sharingeconomy"basedoncloudservices.EnterpriseswillbeabletouseasetofbigdataanalysistoolsdevelopedbyTencent,helpingthemgainabetterunderstandingoftheirclientsandimprovetheirproducts.TheShenzhen-basedinternetgiant,whichownsinstantmessagingtoolsQQandWeChat,hasyearsofexperiencesstoringandanalyzinghugeamountsofdata.TheopeningofitscoretechnologiesispartofTencent'seffortstodevelopcloudservices,anareawhichmanyotherbigcompaniesincludingAlibabaandBaiduarealsotappinginto."Developmentofasharingeconomyiscloselyrelatedtocloudservices"saidMaHuateng,chairmanofTencent."Liketransportation,accommodationandmanyotherareas.cloudservicesarealsoakindofsharingeconomy."HesaidcloudcomputinghasbecomeoneofthekeyareasTencentfocusesonandthecompanyisdedicatedtoopeningitsITresourcesandtechnologicalcapabilitiestooutsiders."Inthepast,enterpriseswereonlyusersofinternettechnology.Now,astheyengagethemselvesinthecloud,theyarebecomingapartoftheinternetecosystem,"Masaidatthe2016TencentCloudSummitheldinShenzhenthisweek.CloudtechnologyhasachievedgreaterimportanceinrecentyearsasmoreandmoreChineseenterprisesintegratethemselvesdeeperwiththeinternet.However,itremainsdifficultforcompanies,especiallysmallerones,tobuildtheirowndatacenterbecauseitinvolveslargecapitalinvestmentandawasteofresources,saidDowsonTong.seniorexecutivevice-presidentofTencent.Cloudserviceshelpenterprisesgetaccesstomoreresourceswhilereducingtheiroperatingcosts,Tongsaid.Accordingtothe2016InternetTrendsreport,servicesprovidedbyTencentarethemostcommonlyusedbyChineseinternetusers.Morethan50percentoftheirtimeontheinternetisspentonTencentservices."Wearenotofferingcloudservicesasaseparatebusiness.Instead,itisapartofTencent'sentirestrategy.EnterpriseswillbeabletogetaccesstoallTencentplatformsbyusingitscloudservices,"Masaid.WhatisTencent'spurposeofopeningupthebigdataplatform?A.TodevelopcloudservicesB.TohelpenterprisesgainabetterunderstandingoftheirclientsandimprovetheirproductsC.TobecomeapartoftheinternetecosystemD.Tostoreandanalyzemoredata

50、—Whyareyoustandingthere,Maggie?—Ican'tseetheblackboardclearly.Twotallboysaresittingme.A.behindB.infrontofC.besideD.nextto

51、2008年全球金融危机爆发以来，世界主要国家央行开始采取特殊货币政策，美国在利率水平已经接近纪录最低时，推出了一系列非常规货币政策，包括为了支持银行贷款的长期流动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取了非常规货币政策。IMF于2013年5月16日发布了《非常规货币政策：最近经验与前景》报告，报告称发达国家的非常规货币政策在很大程度上帮助实现了该国政策目标，诸如持续两年左右的购买国债计划帮助美国和英国的GDP增速提升了约2个百分点，然而，发达国家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新兴市场的汇率过度升值和波动。2008年金融危机发生以来，主要发达国家央行采取的货币政策属于（）。A.紧缩货币政策B.消极货币政策C.中性货币政策D.宽松货币政策

52、资料：Thebusinessannouncedthatrevenueshadgrownby10.2percentyear-on-yeartoRMB18.264billion（$2.748billion）.However,profitfelltoRMB2.866billion（$431.3billion）,a17.4percentdecreasefromthesameperiodin2015.Robbinli,ChairmanandCEOofBaidu,said:"ThechallengesBaidufacedinthesecondquarterservedasahealthyremindertostayfocusedonthekeydriversofgrowth,sustainabilityandleadership;deliveringthebestuserexperienceandstay