2026年全国银行招聘之银行招聘综合知识考试绝密预测题(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、Passage5Arapidmeansoflong-distancetransportationbecameanecessityfortheUnitedStatesassettlementspreadeverfartherwestward.Theearlytrainswereimpracticalcuriosities,andforalongtimetherailroadcompaniesmetwithtroublesomemechanicalproblems.Themostseriousonesweretheconstructionofrailsabletobeartheload,andthedevelopmentofasafe,effectivestoppingsystem.Oncetheseweresolved,therailroadwasestablishedasthebestmeansoflandtransportation.By1860therewerethousandsofmilesofrailroadscrossingtheeasternmountainrangesandreachingwestwardtotheMississippi.Therewerealsoregionalsouthernandwesternlines.Thehighpointinrailroadbuildingcamewiththeconstructionofthefirsttranscontinentalsystem.In1862CongressauthorizedtwowesternrailroadcompaniestobuildlinesfromNebraskawestwardandfromCaliforniaeastwardtoameetingpoint,soastocompleteatranscontinentalcrossinglinkingtheAtlanticseaboardwiththePacific.TheGovernmenthelpedtherailroadsgenerouslywithmoneyandland.Actualworkonthisprojectbeganfouryearslater.TheCentralPacificCompany,startingfromCalifornia,usedChineselabor,whiletheUnionPacificemployedcrewsofIrishlaborers.Thetwogroupsworkedatremarkablespeed,eachtryingtocoveragreaterdistancethantheother.In1869theymetataplacecalledPromontoryinwhatisnowthestateofUtah.Manyvisitorscamethereforthegreatoccasion.Therewerejoyouscelebrationsalloverthecountry,withparadesandtheringingofchurchbellstohonorthegreatachievement.Therailroadwasveryimportantinencouragingwestwardmovement.Italsohelpedbuildupindustryandfarmingbymovingrawmaterialsandbydistributingproductsrapidlytodistantmarkets.InlinkingtownsandpeopletooneanotherithelpedunifytheUnitedStates.ThemajorproblemswithAmerica’srailroadsysteminthemid-19thcenturylayin（）.A.poorqualityrailsandunreliablestoppingsystemsB.lackoffinancialsupportfordevelopmentC.limitedrailroadlinesD.lackofatranscontinentalrailroad

2、网络的（）称为拓扑结构。A.接入的计算机多少B.物理连接的构型C.物理介质种类D.接入的计算机距离

3、一位专家表示，如果疫情发生在一个中小城市，而不是这样的核心城市，当地政府不会如此紧张，担心引发城市的舆论危机和社会危机，也就会降低控制舆论的风险，从而采取有效措施来处理。同时，各方面对于中小城市的各种资源供给也会充裕，而且各种救助措施也会针对较少的人口而更为简洁和有效。最能概括这位专家意思的是（）。A.大城市的管理难度比中小城市更大，特别是在暴发疫情的时候B.建议改变过去发展核心城市的策略，鼓励中小城市发展C.比起大城市，中小城市暴发疫情后的防控工作会更为简单有效D.疫情发生在中小城市的话，当地政府就不会紧张

4、资料：Becauseofthebiochemicalreactionsinyourbodythatoccurwitheverytypeoffoodyoueatonadailybases,somefoodsageyoufasterthanyourrealage,whileotherfoodshelptofightaging.Threeoftheprocessesthatgooninsideyourbodythathaveamajorimpactonyourrateofagingarecalled“glycation”,“inflammation”and“oxidation”.Whenwetalkaboutaging,we’renotjusttalkingaboutwrinklesonyourskinorhowthickyourhairis,we’realsotalkingaboutfactorsthatyoucan’tsee,suchashowwellyourorgansfunction,andwhetheryourjointsaredegrading.Accordingtothepassage,agingisaboutallthefollowingexcept--.A.thedegradingjointsB.thethinningofyourhairC.thegoodconditionofyourorgansD.thewrinklesaroundyoureyes

5、Hedidn’ttellthetruth.Thatreasoncouldnot（）hisabsencefromschool.A.takeintoconsiderationB.accountforC.makeoutD.makeupfor

6、资料：Asastartupfounder,mydailytasksincludeeverythingfromlong-termstrategicplanningtoapprovingteamoutingsandcompanycultureinitiatives.Dayafterday,thingsinevitablycomeupthatneedtogethandledASAP.ButI’vealsolearnedthatifyoudon’thaveastrategyformakingtimeforthosebiggerambitionsandyourtrulyloftygoals,they’llsimplynevergetdone.Andthatmeansyouwon’tmaketheprogressthat’sreallygoingtomoveyourbusinessforward.1.FINDYOURMOSTPRODUCTIVETIMEFaceit:Youaren’tcrankingoutworkatabsolutepeakproductivityfortheentireday.Instead,therearelikelycertaintimeswhenyou’reatyourmostfocusedandothertimeswhenyourenergywanes.That’snormal.Maybeforyou,it’sbrightandearlyinthemorning,beforeanyoneelsearrivesintheoffice,whenyoudoyourbestwork.Wheneveritis,identifythatchunkoftime（evenifit’sonlyanhour!）whenyoufeelmostproductive,andthenreserveitonyourcalendarlikeyouwouldanyotherimportantmeeting.Youneedtoprotectthisblockoftimefromintrusion--itisn’toptional.Thatwayyou’reguaranteedtohavearegular,designatedperiodwhenyoucanatleastgetstartedonthosebiggerto-dos.2.CREATEPHYSICALBARRIERSNobodyworksinavacuum.Weallhavetocollaboratewithotherstosomedegreeoranother.Andit’sthepeopleweworkclosestwithwhomwetendtoputfirst--wewanttobereadilyavailableiftheyneedourhelp.Buttherearetimesyouneedtotuneoutthedistractionsandfocusifyou’regoingtogetanymeaningfulworkdone.OneofthemosteffectivemethodsI’vefoundistoputphysicalbarriersbetweenus.I’llworkfromaconferenceroomorevenfromhomeonoccasioninordertogetsomeliteralspacefrompeopleneeding“justonequickthing.”Whatmaytheauthordiscusslater?A.TheauthormaytalkabouttheadministrationsystemB.TheauthormayteachthereaderstomakeatimetableC.TheauthormayputforwardanothersuggestionD.Theauthormaydiscusstheofficeenvironments

7、资料：October20,2013Mr.EngTan10010GeorgeAve.NewYorkDearMr.Chen,Asthepresident,IamproudtoannouncethatthisFridaymarksthe50thanniversaryoflongandsuccessfulcompany.This,ofcourse,callsforanightofcelebration.Andforthisreason,wehavereservedtheGrandHallattheGardenHotelthisFridayat6p.m.foranightoffinedininganddancing.Onthisspecialevening,thefoodwillbesuperb.I’vehadachancetodineatthehotelseveraltimesinthepastinotherfunctions,anditwasthefoodthatconvincedmetoholdoureventhere.Iamquitecertainthatallofourstaffwillsharemyfeeling.Anyhow,IamlookingforwardtothisFridaywhenallofourstaffcanletlooseandhavesomefun.Therefore,thisisalettertoofficiallyinviteyouandyourspouseorsignificantothertojoinusonthismemorableevening.Pleaseletusknowifyoucan’tattend.YoursSincerely,JeffConnellyWhatisthemainpurposeofthisletter?A.ToinvitethestafftoanupcomingeventB.TowelcometheneweststafftothecompanyC.TonotifytheemployeesofayearlymeetingD.Toprovideinformationaboutthecompany’sproduct

8、不属于会计核算内容的是（）。A.用盈余公积转增实收资本B.处理本年度的亏损C.将现金存入银行D.制订下年度财务预算

9、人们根据特定的需要，预先为计算机编制的指令序列称为（）。A.软件B.文件C.语言D.程序

10、甲公司应收乙公司贷款800万元。经磋商，双方同意按600万元结清该笔贷款，甲公司已经为该笔贷款累计提了100万元坏账准备。在债务重组日，该事项对甲公司和乙公司的影响分别为（）。A.甲公司资本公积减少200万元，乙公司资本公积增加200万元B.甲公司营业外支出增加100万元，乙公司资本公积增加200万元C.甲公司营业外支出增加100万元.乙公司营业外收入增加200万元D.甲公司营业外支出增加200万元，乙公司营业外收入增加200万元

11、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

12、拉动国内生产总值GDP增长的“三驾马车”不包括（）。A.投资B.消费C.税收D.净出口

13、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.Howdoesthewritershowusthatschools’interestinteachingfinancialclasseshasincreasedinparagraph2?A.BygivingexamplesB.ByprovidingdataC.ByraisingquestionsD.Bymakingcomparisons

14、()是指对被审计单位经济活动的效率、效果和效益状况进行审查、评价，目的是促进被审计单位提高人、财、物等各种资源的利用效率，增强盈利能力，实现经营目标。A.外部审计B.财政财务审计C.经济效益审计D.内部审计

15、下列内容中，不属于记账凭证的审核内容的是（）。A.凭证是否符合有关的计划和预算B.会计科目使用是否正确C.凭证的金额与所附原始凭证的金额是否一致D.凭证的内容与所附原始凭证的内容是否一致

16、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.Whatwouldbethebesttideforthepassage?A.AlexGoldberg,FounderofYoungInspirationsB.YoungPeopleFindaWorldofOpportunityC.Kieran,BanburySchoolPupiltoParisD.DebatesHelpYouthwithTheirGrades

17、Becauseofsuchfactors,engineershaveworkedonincreasingtheefficiencyofelevators,resortingtodouble-deckercarstoserviceandtotransfersystemsthat______expressandlocalelevators.A.exploreB.enforceC.deployD.strengthen

18、FTP是Internet中（）。A.发送电子邮件的软件B.浏览网页的工具C.用来传送文件的一种服务D.一种聊天工具

19、Littlehelpseemsto_____thedisaster-hitareasincetheexplosiontookplace3hoursago.A.offerB.havebeenofferedC.beofferedD.haveoffered

20、世界上最小的岛屿是一个美丽的珊瑚小岛，位于（）的密克罗尼西亚群岛中。A.大西洋B.印度洋C.太平洋D.北冰洋

21、当某一社会处于经济周期的萧条阶段时（）。A.经济的生产能力增加，因而存货增加B.总需求逐渐增长C.总需求少于总供给D.总需求超过总供给

22、资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho’dbeenpushinganendangeredlistingsaidtheproposalwasa“turningpoint”theyhopewillleadtogreaterturtleprotections.“Ithinkit’shugedayforloggerheadseaturtles,”saidBethRiff,amarinewildlifescientistatOceana.“itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.”Withallthatattentiontopaidtothem,you’dthinkthesecreatureswouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsoffairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledbyfishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesinFloridaoverthelastdecadeasevidenceoftrouble.Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehardshellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakeafrenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.BarbaraSchoder，nationalseaturtlecoordinatorforNOAA’sfisheriesdivision,saidthebiggestthreatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainlyinJapan，aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSanFrancisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlonglinefishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,themainthreattoturtlesisgearfromtheregion’svariousfishenesSchodersaid.Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthespecies,Riffsaid.Butthegovernmentwouldalsohavetodetermine“criticalhabitats，”suchaswheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfortheturtles,includingrestrictionsonmaritimedevelopmentorfishing.Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobalwarmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhichtheturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherbythreatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesaswell,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leavingourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.Whatdoestheauthormeanby“natureisindifferenttohumannotionsoffairness”（）.A.NatureisquitefairregardingthesurvivalofturtlesB.TurtlesarebynatureindifferenttohumanactivitiesC.CourseofnaturewillnotbechangedbyhumaninterferenceD.Theturtlepopulationhasdecreasedinspiteofhumanprotection

23、我国商业银行的核心资本包括（）。A.实收资本、资本公积、盈余公积、未分配利润B.实收资本、资本公积、呆账准备金、长期债务C.实收资本、未收资本、重估资本、未分配利润D.资本净值、资本盈余、未分配利润、呆账准备金

24、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

25、某单位组织130名员工去参观自然博物馆，某运输公司有两种车辆可供选择：①限坐40人的大客车，每人票价5元，如满座票价可打八折；②限坐10人的面包车，每人票价6元，如满座票价可打七五折。那么总租金最少是（）元。A.525B.530C.545D.585

26、年度决算时，若结转科目不是同一级科目的则生成上级科目的户数和余额的调整表，根据调整表调整()。A.分类账B.明细账C.所有账户D.总账

27、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.Whydoesthecourt’srulingreinforcestheneedforcitizens?A.NoparticularreasonsB.ForabetterreputationC.ForthesocialequalityD.Asthelawsaid

28、WangHongspeaksEnglishverywell.—_.ShecantalkwithAmericansfreely.A.IhopesoB.IhopenotC.IthinksoD.Idon’tthinkso

29、Passage8Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,whichallowhomeowners62andoldertoborrowmoneyagainstthevalueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeenfraughtwithproblems.Butfederalandstateregulatorsaredocumentingnewinstancesofabuseassmallermortgagebrokers,includingformersubprimelenders,floodthemarketaftertherecentexitofbigbanksandasdefaultsontheloanshitrecordrates.Somelendersareaggressivelypitchingloanstoseniorswhocannotaffordthefeesassociatedwiththem,nottomentionthepropertytaxesandmaintenance.Othersarewooingseniorswithpromisesthattheloansarefreemoneythatcanbeusedtofinancelong-covetedcruises,withoutclearlyexplainingtherisks.Somewidowsarefacingevictionaftertheysaytheywerepressuredtokeeptheirnameoffthedeedwithoutbeingtoldthattheycouldbeleftfacingforeclosureaftertheirhusbandsdied.Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewithdecliningsavings,thenewlymintedConsumerFinancialProtectionBureauisworkingonnewrulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Morethan775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.Concernsaboutthemultibillion-dollarreversemortgagemarketechothoseraisedinthelead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghiddenrisks—thattheycouldnotafford.“Therearemanyofthesameredflags,includingexplosivegrowthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardtosuitability,”saidLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthereversemortgagemarket.WhatcanwelearnaboutmortgageloansfromthefirstparagraphA.TheloansareexpectedtohelpseniorsstayintheirhomesB.TheloansaredrivingallseniorsoutoftheirhomesC.ThereversemortgageonlywelcomesseniorsD.anyseniorscanapplyforreversemortgage

30、资料：欧洲的经济学家Mr.T首先跟你谈了欧洲的一些优势，以及一些好的企业。请根据下列资料回答问题Thebest-sellingsportsdrink,Zumo,isproducedbyZumospa,afoodanddrinkscompanybasedinValencia,Spain.Inthelastfinancialyear,Zumocontributed30millionEurostoZumospa’sannualsalesrevenue,accountingforofthecompany’stotalturnover.Itis,infact,Zumospa’scashcow,generatingmorerevenuethananyotherofitsproducts.Atpresent,ZumoissoldonlyinEurope.However,thesportsdrinkmarketisthemostrapidlygrowingsegmentoftheworldbeveragemarket.ZumospaisnowlookingoutsideSpainformarketsandwouldliketomakeZumoaglobalbrand.Zumospaneedstorepositionitfortheglobalmarket.InitialresearchsuggeststhatZumoisperceivedasaSpanishdrinkanditscloseidentificationwithSpainmaynotbesuitablewhendevelopingaglobalbrand.WhatisZumo?（）A.ItisaSpanishfoodB.ItisasoftdrinkC.ItisasportsdrinkD.Itisafoodanddrinkscompany

31、计算机网络中传送速率的单位bps的含义是（）。A.每秒字节数B.每秒波特数C.每秒字符数D.每秒位数

32、HesaidtheUKgovernmentwouldallowtheislandtodetermineitsown____anddemocracy.A.equalityB.enhancementC.agreementD.development

33、与其他金融机构相比，商业银行最明显的特征是（）。A.以盈利为目的B.提供金礅服务C.吸收活期存款，创造信用货币D.执行国家金融政策

34、InMargaretAtwood’snovel,womenare______twogroupsbasedonwhetherornottheycangivebirthtoachild.A.dividedintoB.dividedoffC.separatedintoD.separatedfrom

35、Theorphanageisjustoneofher（）causes.A.phoneticB.philanthropicC.prevalentD.lunatic

36、四大洋面积从大到小的排列顺序是（）。A.太平洋-北冰洋-大西洋-印度洋B.大西洋-太平洋-北冰洋-印度洋C.大西洋-太平洋-印度洋-北冰洋D.太平洋-大西洋-印度洋-北冰洋

37、属于银行自制的、无限期的、不可辨认的且不可转让的无形资产是指()。A.专营权B.土地使用权C.商誉D.商标权

38、下列贷款中至少归为次级类的是（）。A.借款人利用合并、分立等形式恶意逃废银行债务，本金或者利息已经逾期B.本金和利息虽尚未逾期，但借款人有利用兼并、重组、分立等形式恶意逃废银行债务的嫌疑C.同一借款人对本行或其他银行的部分债务已经不良D.本金或者利息逾期

39、在Excel提供的4类运算符中，优先级最高的是（）。A.算术运算符B.比较运算符C.文本运算符D.引用运算符

40、海市蜃楼是一种自然现象，它形成的原理是光的（）。A.反射B.折射C.漫射D.散射

41、下列账簿中，一般不需根据记账凭证登记的账簿是（）。A.日记账B.总分类账