2026年全国银行招聘之银行招聘综合知识考试快速提分卷(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、被投资单位因接受捐赠等增加的资本公积，企业按持股比例计算应享有的份额。银行应当进行的账务处理为（）。A.借：长期股权投资——股票投资(股权投资准备)贷：股权投资准备B.借：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)贷：资本公积——股权投资准备C.借：长期股权投资——其他股权投资(股权投资准备)贷：资本公积——股权投资准备D.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)

2、一般而言，物价水平年平均上涨率不超过2%~3%的是（）。A.爬行通货膨胀B.温和通货膨胀C.恶性通货膨胀D.奔腾式通货膨胀

3、Althoughthegreatwhitesharkhasafearsome______，inastraightfight，itisoutclassedbythekillerwhale.A.reputationB.imaginationC.aggressionD.acquisition

4、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.WhichofthefollowingisNOTtrueaboutParis,accordingtothepassage?A.MergerofNYSEwithEuronextmakesitthebiggestfinancialcenterinEuropeB.TheexcessiveregulationandhightaxeshaveaffecteditsfinancialdevelopmentC.ParishasmanyadvantagesthatmayhelpinitsfuturefinancialdevelopmentD.Parisoffersgoodqualityoflifeaswellasgoodtransportlinks

5、Educationaboutconsumptiontaxesismorelikelytoboostgrowth，______thegrowtheffectsofincomeandcapitaltaxesareambiguous。A.ifB.whenC.whileD.for

6、下列抽样方法中，属于非概率抽样的是（）。A.分层抽样B.整群抽样C.判断抽样D.等距抽样

7、Thisargumentsoundsreasonable,but（）it’sincorrect.A.fortunatelyB.actuallyC.naturallyD.obviously

8、一代伟人毛泽东的诗句“坐地日行八万里，巡天遥看一千河”反映的哲学观点是（）。A.空间的无限性B.时间的无限性C.运动的绝对性和静止的相对性D.人的认识能力是不受空间限制的

9、资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsofplanning,timeandsavings.Somescaryfactsaboutretirement:Morethan50%ofpersonsdonothaveenoughfinancesforretirement.25%donotparticipateintheircompany'sretirementplan.Theaveragepersonspends20yearsinretirement.Herearesometipstohelpyouplancorrectly:1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingwithafinancialplannertogeta“check-up”.It'sjustlikeadoctor'svisit,andyoushouldreallytalkaboutyourpresentsituationandfuturegoals.2.Save,save,andkeeponsaving.Makeitahabittosaveasmuchasyoucan.3.Learnyourretirementneeds.Retirementcanbeexpensive.Learnfromtodayhowmuchyouneedtosaveforyourretirement.Talktoafinancialplanner,orfindanonlineretirementcalculator.4.Takepartinyouremployer'sretirementplans.Ifyourcompanyoffersone,itisusuallythebesttoolyoucanuse.Talktoafinancialprofessionalforallyouroptions.5.Learnaboutpensionplans.Ifyouhaveanemployerorgovernmentpensionplan,learnallthedetails.6.Keepyourretirementsavingsoff-limits.Don'tmakeawithdrawaluntilyouretire.Youmightincurpenaltiesanditwillbeasetbackforrealizingyourgoals.7.Getyouremployertostartone,anditcanhelpyoutremendously.8.Learnaboutyourgovernment'sretirementplans.Everycountryhasdifferentplans,somewithspecialtaxincentives,solearnwhatyourcountryoffersandplanaccordingly.9.Doyourownresearch.UsetheInternet,readthenewspapersandmagazines,talktoyourfriends,tofindoutasmuchasyoucanaboutretirement.What’sthemainthemeofthepassage?A.HowtofindagoodfinancialprofessionalB.TheimportanceofretirementplansC.ThescaryfactsaboutretirementD.Howtomakecorrectretirementplans

10、Itis______howsoontheinvestigatorswillarriveatthesite.A.unclearB.undoubtedC.unrealD.unaware

11、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.Allofthefollowingarefactorsforpovertyreductionexcept______.A.greatereconomicdynamismB.aidfromdevelopedcountriesC.changesofdevelopingcountriesD.tradeamongdevelopingcountries

12、经济学中“一方是无限的需要一方是有限的商品”这句话的含义是（）。A.人类的本性是自由的，不愿与他人分享B.政府应当对产出进行再分配C.目前的生产方式是无效率的D.不存在简单的办法以解决稀缺性与人类需要的无限性之间的矛盾

13、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.Whatwouldbethebesttitleforthepassage?（）A.LittleMoneyLeadstoB.aMillionaireBTheSuccessRoadtoBeaMillionaireC.AlexTaw：AnMillionaireBoyD.TheMillionDollarH

14、（）将引起美元对日元贬值。A.美国的货币供给增加B.美国的利率上升C.日本的利率下降D.日本从美国的进口增加

15、财务管理的核心环节是（）。A.规划和预测B.财务预算C.财务决策D.财务控制

16、Twoyearsago,RupertMurdoch’sdaughter,Elisabeth,spokeofthe“unsettlingdearthofintegrityacrosssomanyofourinstitutions”.Integrityhadcollapsed,sheargued,becauseofacollectiveacceptancethattheonly"sortingmechanism"insocietyshouldbeprofitandthemarket.But"it'sus,humanbeings,wethepeoplewhocreatethesocietywewant,notprofit".Drivingherpointhome,shecontinued:“It’sincreasinglyapparentthattheabsenceofpurpose,ofamorallanguagewithingovernment,mediaorbusinesscouldbecomeoneofthemostdangerousgoalsforcapitalismandfreedom.”ThissameabsenceofmoralpurposewaswoundingcompaniessuchasNewsInternational,shethought,makingitmorelikelythatitwouldloseitswayasithadwithwidespreadillegaltelephonehacking.Asthehackingtrialconcludes-findingguiltyoneex-editoroftheNewsoftheWorld,AndyCoulson,forconspiringtohackphones,andfindinghispredecessor,RebekahBrooks,innocentofthesamecharge-thewiderissueofdearthofintegritystillstands.Journalistsareknowntohavehackedthephonesofupto5,500people.Thisishackingonanindustrialscale,aswasacknowledgedbyGlennMulcaire,themanhiredbytheNewsoftheWorldin2001tobethepointpersonforphonehacking.Othersawaittrial.Thissagastillunfolds.Inmanyrespects,thedearthofmoralpurposeframesnotonlythefactofsuchwidespreadphonehackingbutthetermsonwhichthetrialtookplace.OneoftheastonishingrevelationswashowlittleRebekahBrooksknewofwhatwentoninhernewsroom,howlittleshethoughttoaskandthefactthatsheneverinquiredhowthestoriesarrived.Thecoreofhersuccessfuldefensewasthatsheknewnothing.Intoday’sworld,ithasbecomenormalthatwell-paidexecutivesshouldnotbeaccountableforwhathappensintheorganizationsthattheyrun.Perhapsweshouldnotbesosurprised.Forageneration,thecollectivedoctrinehasbeenthatthesortingmechanismofsocietyshouldbeprofit.Thewordsthathavematteredareefficiency,flexibility,shareholdervalue,business-friendly,wealthgeneration,sales,impactand,innewspapers,circulation.Wordsdegradedtothemarginhavebeenjustice,fairness,tolerance,proportionalityandaccountability.ThepurposeofeditingtheNewsoftheWorldwasnottopromotereaderunderstanding,tobefairinwhatwaswrittenortobetrayanycommonhumanity.Itwastoruinlivesinthequestforcirculationandimpact.Ms.Brooksmayormaynothavehadsuspicionsabouthowherjournalistsgottheirstories,butsheaskednoquestions,gavenoinstructions-norreceivedtraceable,recordedanswers.Accordingtothefirsttwoparagraphs,Elisabethwasupsetby（）.A.theconsequencesofthecurrentsortingmechanismB.Companies’financiallossduetoimmoralpracticesC.governmentalineffectivenessonmoralissuesD.thewidemisuseofintegrityamonginstitutions

17、ItisnothardtoreadArya,becauseshe（）blusheswithembarrassmentwhenshehasaterribleconversationwithothers.A.habituallyB.habitC.habitsD.habitual

18、Hefeltsocoldthathekepttrembling（）unabletoendureitanymore.A.asforB.aswellC.asifD.aslongas

19、被告人张某，公交车司机。因受单位领导批评，为发泄不满，驾车驶入闹市区冲向密集人群，当场撞死8人，撞伤13人。李某的行为构成（）。A.交通肇事罪B.以危险方法危害公共安全罪C.故意杀人罪D.重大责任事故罪

20、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

21、MUN,which___ModelUnitedNations,isaconferencethatprovidesstudentsallovertheworldwiththeopportunitytoexperiencewhatit’sliketobeintheUnitedNations.A.standbyB.standsforC.standupD.standout

22、资料：GoogleandUberhavegrabbedmostoftheattentionregardingtheadventofself-drivingcars,butonSunday,Lyftthrewdowntheultimatechallenge:AmajorityofautonomousvehiclesforLyftwithinamerefiveyears.TheboldclaimwasmadebyLyftco-founderJohnZimmerinapostonMediumoutlininghiscompany'svisionforthenextdecade."WithinfiveyearsafullyautonomousfleetofcarswillprovidethemajorityofLyftridesacrossthecountry,"saidZimmer,indicatingthatearlyversionsofsuchcarshavebeeninoperationinSanFranciscoandPhoenix.Usuallywhentechfounderslayouttheirvision,it’stypicaltoheargrandclaimsthatalmostpushtheboundariesofbelievability.That'swhattechinnovationisabout.Butinthecaseofself-drivingcars,thesituationisabitmorecomplicated.Uberhasalreadybegunrollingoutself-drivingcartestsinPittsburghandGoogleishardatworkonthesamekindofsolutionontheWestCoast.Therefore,talkofgettingself-drivingcarsontheroadis,atthispoint,lessaboutthetechnologyandmoreaboutlogistics.WeknowGooglehasenoughcashtotripledownonanyinitiativeitdecidestotackle.Andasthecurrentride-sharingleaderintheU.S.,Uberhasenoughmarketshare-poweredcredibilitythatafutureincludingself-drivingUbercarsisn'tunrealistic.Todaytherearesomeinternet-basedridesharingsystembuttoovercomethecriticalmassthesystemhastobereal-time,automatedandextremelyeasytouse.HoweverinthecaseofLyft,whichcontinuestostruggleagainstUber(onereportclaimsthatUberhasover80percentmarketshareintheU.S.),suchashorttimelinetowardrollingoutafleetofself-drivingcarsseemssomewhatambitious.Nevertheless,Zimmercontinueshisvisionessaywithevenmoreboldpredictions."By2025,privatecarownershipwillallbutendinmajorU.S.cities,"saysZimmer,apredictionthat,ifitturnsouttobetrue,wouldmeanitwouldtakejusteightyearsforthemajorityofthehuman-drivencarsonU.S.roadstodisappear.Possible?Sure.Likely?Eightyearsseemslike,onceagain,abitofwishfulthinkingonZimmer'spart.Remember,ithasn'tevenbeen10yearssincethearrivaloftheiPhone,andasrecenteventsprove,smartphonesarestillacategorythatcanyieldcatastrophicresultsifnotdoneright.Andthosearejustmobiledevices,notvehiclesentrustedwithtransportingandprotectinghumanlives.Tobefair,Zimmer'sessaydoesoffersomefactsandfiguresinanattempttobackuphispositions,butmuchofitdoesn'tappeartotakeintoaccountvariablessuchastheheavilyembeddedinterestsofautomobilecompaniesstillrelyingonconsumerautosales,aswellasthemanylegalandroadwaylogisticsthatwillneedtobeaddressedinordertobringaboutthismassivetransformationinsuchashorttime.Oddly,Zimmer'svisiondoeslittletoaddressthemillionsofhumanjobsthatwillbelostonceself-drivingcarsdisplacenotonlytaxidrivers,buttruckdrivers."Webelievethatinthefirstfiveormoreyearsfollowingtheintroductionofautonomousvehicles,theneedforhumandriverswillactuallyincrease,notdecrease,"writesZimmer."Whenautonomouscarscanonlysolveaportionofthosetrips,moreLyftdriverswillbeneededtoprovideservicetothegrowingmarketofformercarowners,"writesZimmer.Butwhataboutafterfiveyears,whenautonomouscarscanprovidefullservice?Whataboutthehumandrivers?Thepushbackfromhumandriverslosingworkwilllikelybeanother,majorrippleintheevolutionofself-drivingcars,aswellasotherautomatedsystemsenteringU.S.societyincomingyears.However,noneoftheselogisticalissuesdiminishZimmer'sideas.Hisvisionofthefutureofautonomousvehiclesseemsquitelogicalandinstepwithmostwhoworkinandwatchthespaceclosely.Butthespeedbumpinacceptinghisvisionwholesaleishisambitiousself-drivingcartimelineingeneral,andforLyftinparticular.A.Weneedtoreacheveryone’spotentialtorealizeself-drivingcarsB.Therearestillmanyproblemstobesolvedinself-drivingcarsC.Lyftco-foundersaysmostofitscarswillbeautonomousin5yearsD.Theadvantagesanddisadvantagesofself-drivingcars

23、2018年3月11日，十三届全国人大一次会议表决通过了《中华人民共和国宪法修正案》。关于本次《宪法修正案》下列说法错误的是（）A.我国现行《宪法》是“八二宪法”，目前经历了5次修改B.社会主义民族关系的表述中增加了“和谐”C.《宪法修正案》规定监察委员会委员长由全国人大选举产生D.《宪法修正案》规定县级市有权制定地方性法规

24、企业支付的产品广告费，应通过（）账簿反映。A.序时B.备查C.数量金额D.分类

25、资料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the“higherup”hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“Thisstereodoesnotwork”Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Whatwillhelpmakethecomplaintmoreeffective?ChoosetheanswerthatisINCORRECT.A.DemonstratetheproblemspecificallyB.DoitpolitelybutfirmlyC.DoitinpersonD.Makegeneralstatementsfirst

26、资料：Accordingtoourresearch,BestBuyinChinawasperceivedasbeingtooexpensive,withmanyoftheirproductspricedhigherthaninlocalmarkets.WhybuyaSonyDVDplayerorNokiaphoneatBestBuywhenyoucanpaylessfortheexactsameproductatalocalstore？Consumerswillonlybewillingtopaymore,likeattheApplestores,iftheyarebuyingsomethingtheycannotgetelsewhere.WhilescalesofeconomyhaveallowedbigChinastoresinAmericatooffercheaperpricesthannicheplayers,localretailersinChinaareabletoundercutpricesbecausetheypaylessinsalaries,benefits,rent,andelectricity.RampantpiracyinChinaalsomeanslocalcomputersshopsarewillingtoinstallcounterfeitMicrosoftsoftwareinproducts,whichmakesitmoreappealingforcustomers.Apartfromfailingtodifferentiateitsproductlines,BestBuyalsomadethemistakeoffocusingonbuildinglargeflagshipstores,likeintheU.S,ratherthansmaller,convenientlylocatedretailoutlets.Chinamayhaveoneofthehighestcaradoptionratesintheworld,butitsperennialtrafficcongestionsandlackofparkingmeanconsumersoftenprefertoshopclosertotheirhomes.Agovernmentbanonfreeshoppingbagshavealsoresultedinconsumersshoppingmoreoften,butbuyinglesseachtime,furtherfuelingthepopularityofneighborhoodstores.WhatWesternretailerscandotostaycompetitive?A.LocalizetheirproductselectionB.BetterunderstandtheevolvingChineseconsumerpreferencesC.BeawareoftheimportanceoflocationchoiceD.Allabove

27、一般认为结算业务是一种（）。A.委托代理关系B.债权债务关系C.保管合同关系D.以上说法都不对

28、以下有关中国人民银行的性质，叙述错误的是（）。A.中国人民银行是政府的银行B.中国人民银行是有权发行货币及国家证券的银行C.中国人民银行是银行的银行D.中国人民银行属于企业单位，不属于国家机关

29、Salesareupdramatically____percentagetermscomparedwithayearago.A.byB.inC.atD.for

30、资料：Seekingtoendastalemateinnegotiationsoverhercountry’swithdrawalfromtheEuropeanUnion,PrimeMinisterTheresaMayofBritainofferedFridaysubstantialpaymentstotheblocduringatwo-yeartransitionperiodimmediatelyafterthecountry’sexit.Mrs.May’slong-awaitedintervention,duringaspeechinFlorence,Italy,wasbeingwatchedcloselyincapitalsontheContinentandinLondon,wheremembersofhercabinethavebeenfiercelydividedoverBritain’stortuousdivorcefromthebloc.ThespeechaimedtoopenthewaytoseriousnegotiationsonwhatiscommonlyknownasBrexit,andtoabroaderandmoreproductivediscussionaboutBritain’srelationshipwiththebloc.However,whileofferingsomeconcessionsdesignedtodothat,Mrs.MaydidnotgiveanyfreshinsightintothetypeoftiessheultimatelywantsBritaintohavetothebloc-aquestionthatdivideshercabinetandherConservative,orTory,Party.TheEuropeanUnion’schiefnegotiators,MichelBarnier,issuedacautiousresponse,sayinginastatementthat,“WelookforwardtotheUnitedKingdom’snegotiatorsexplainingtheconcreteimplicationsofPrimeMinisterTheresaMay’sspeech.OurambitionistofindarapidagreementontheconditionsoftheUnitedKingdom’sorderlywithdrawal,aswellasonapossibletransitionperiod.”AlthoughBritainisscheduledtoexittheEuropeanUnionin2019,therehasbeenlittleprogressintalkssinceMarch,whenLondonformallyannounceditsintentiontoleave.BrusselsisinsistingthatBritainagreetothetermsofthedivorcebeforediscussingfuturetradeties,whiletheBritishwouldliketodobothsimultaneously.Inlightofthecontinuingstandoff,manybusinessworryabouta“cliffedge”scenario,inwhichBritainwouldcrashoutwithoutadeal,soMrs.Mayisunderpressuretofindawayoutoftheimpasses.SpeakinginFlorenceonFriday,Mrs.MaydidnotsaypreciselyhowmuchmoneyBritainwouldcontinuetocontributetotheEuropeanUnion.ButshemadeasignificantpromisethattheBritish-whoarebignetcontributorstothebloc-wouldnotleaveaholeintheunion’sbudgetin2019and2020.“Idonotwantourpartnerstofearthattheywillneedtopaymoreorreceivelessovertheremainderofthecurrentbudgetplanasaresultofourdecisiontoleave.”Mrs.Maysaid.Thatwouldprobablymeanpaymentsofaround20billioneuros,orabout$24billion,afterBritain’sdeparture.Itwouldalsoeffectivelymaintainthestatequoforthedurationofatwo-yeartransitionperiod,meaningthatBritainwouldallowthefreemovementofEuropeanworkersandacceptrulingsfromtheEuropeanCourtofJustice.Thisaloneisunlikelytobeenoughtosatisfythe27othermembernations,butMrs.Mayhintedthatshewouldbewillingtogofurtherand“honorcommitmentswehavemadeduringtheperiodofourmembership.”Inaddition,Mrs.MayproposedasecuritypartnershipwiththeEuropeanUnion,stressingBritain’simportanceasadefensepower,andalsoofferednewlegalsafeguardstoguaranteetherightsofEuropeanUnioncitizensinBritainafterBrexit.Overall,Mrs.MaysoughttostressthecommoninterestLondonshareswithcontinentalEuropeancapitalsinreachinganagreementandavoidingdisruptiontotrade,wrappingherodderindialoguethatwasmorepositive,andlessantagonistic,thanthatofsomepreviousinterventions.EuropeanUnionnegotiatorshaverefusedtotalkaboutpost-Brexittiesuntiltheyjudgethatthereis“sufficientprogress”ontheissuestheyconsiderapriority.thestatesofEuropeanUnioncitizensinBritainafteritleaves,theborderbetweenIrelandandNorthernIreland(whichisapartoftheUnitedKingdom)andBritain’sfinancialcommitmentstothebloc.Thereislittlesignyetthattheother27nationsarepreparedtograntBritainabespokeagreement,andofficialshavewarnedLondononnumerousoccasionsthattherewouldbeno“cherrypicking”ofthepartsofEuropeanUnionmembershipitli