2026年全国银行招聘之银行招聘综合知识考试专项攻坚题（详细参考解析）

姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 密封线 2026年银行招聘考试重点试题精编注意事项:1.全卷采用机器阅卷，请考生注意书写规范；考试时间为120分钟。2.在作答前，考生请将自己的学校、姓名、班级、准考证号涂写在试卷和答题卡规定位置。

3.部分必须使用2B铅笔填涂;非选择题部分必须使用黑色签字笔书写，字体工整，笔迹清楚。

4.请按照题号在答题卡上与题目对应的答题区域内规范作答，超出答题区域书写的答案无效:在草稿纸、试卷上答题无效。(参考答案和详细解析均在试卷末尾)一、选择题

1、填入括号中最恰当的一项是（）。书话贵在体现作者独到的品书心得，不仅提供有关书的知识，而且也需研求学问，（）一己之见。即使是对事实、材料的陈述，也能见出作者辨析、取舍的（），所以，书话中的高手，往往也就是学问上的大家。A.发表，独树一帜B.抒发，独出心裁C.发表，别具一格D.抒发，别有用心

2、Nostudent（）gooutofschoolforsnacksduringthebreakwithouttheteacher’spermission.A.willB.mustC.shallD.may

3、对实际现金流进行折算时，使用（）。A.名义利率B.税前利率C.通胀率D.实际利率

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

5、资料：Whenweseewell，wedonotthinkaboutoureyesveryoften.Itisonlywhenwecannotseeperfectlythatwerealizehowimportantoureyesare.Peoplewhoarenear-sightedcanonlyseethingsthatareveryclosetotheireyes，Everythingelseseemsblurry（=unclear）.Manypeoplewhodoalotofwork，suchaswriting，readingandsewingbecomenear-sighted.Peoplewhoarefar-sightedsufferfromjusttheoppositeproblem.Theycanseethingsthatarefaraway，buttheyhavedifficultyinreadingabookunlesstheyholditatarm’slength.Iftheywanttodomuchreading，theymustgetglasses，too.Otherpeopledonotseeclearlybecausetheireyesarenotexactlytherightshape.Theyhavewhatiscalledastigmatism.This，too，canbecorrectedbyglasses.Somepeople’seyesbecomecloudybecauseofcataracts.Longagothesepeopleoftenbecameblind.Now，however，itispossibletooperateonthecataractsandremovethem.Havingtwogoodeyesisimportantforjudgingdistances.Eacheyeseesthingsfromaslightlydifferentangle.Toprovethistoyourself，lookatanobjectoutofoneeye；Thenlookatthesameobjectoutofyourothereye.Youwillfindtheobject’srelationtothebackgroundandotherthingsaroundithaschanged.Thedifferencebetweenthesetwodifferenteyeviewshelpsustojudgehowfarawayanobjectis.Peoplewhohaveonlyoneeyecannotjudgedistanceaspeoplewithtwoeyes.Havingtwoeyesinsteadofoneisparticularlyusefulfor______.A.lookingoverawideareaB.seeingobjectsfarawayC.judgingdistancesD.seeingatnight

6、某企业与工人签订了为期3年的劳动合同，约定在3年内按现行工资水平付给工人工资。此后3年内，企业所在国发生了通货膨胀，并且企业经常以各种借口缩短中午休息时间。企业在3年经营当中获取了超过同行业其他企业的更高的利润，那么该企业超出其他企业的利润的来源是（）。A.一部分工人工资与绝对剩余价值B.绝对剩余价值与相对剩余价值C.一部分工人工资和相对剩余价值D.一部分工人工资、绝对剩余价值与相对剩余价值

7、下列说法不正确的是（）。A.孔子是儒家创始人，核心是“仁”B.庄子是道家代表，代表作是《道德经》C.韩非是法家思想的集大成者D.朱熹是理学的重要代表，著有《四书集注》

8、《党政机关公文处理工作条例》规定的公文种类有（）。A.14种B.13种C.15种D.17种

9、Ifwehadfollowedhisplan,wewouldhavedonethejobwith（）moneyand（）people.A.fewer,lessB.less,lessC.less,fewerD.fewer,fewer

10、Passage10Withsomuchfocusonchildren'suseofscreens,it'seasyforparentstoforgetabouttheirownscreenuse.“Techisdesignedtoreallysuckonyouin,”saysJennyRadeskyinherstudyofdigitalplay,“anddigitalproductsaretheretopromotemaximalengagement.Itmakesithardtodisengage,andleadstoalotofbleed-overintothefamilyroutine.”Radeskyhasstudiedtheuseofmobilephonesandtabletsatmealtimesbygivingmother-childpairsafood-testingexercise.Shefoundthatmotherswhosueddevicesduringtheexercisestarted20percentfewerverbaland39percentfewernonverbalinteractionswiththeirchildren.Duringaseparateobservation,shesawthatphonesbecameasourceoftensioninthefamily.Parentswouldbelookingattheiremailswhilethechildrenwouldbemakingexcitedbidsfortheirattention.Infantsarewiredtolookatparents’facestotrytounderstandtheirworld,andifthosefacesareblankandunresponsive—astheyoftenarewhenabsorbedinadevice—itcanbeextremelydisconcertingforthechildren.Radeskycitesthe“stillfaceexperiment”devisedbydevelopmentalpsychologistEdTronickinthe1970s.Init,amotherisaskedtointeractwithherchildinanormalwaybeforeputtingonablankexpressionandnotgivingthemanyvisualsocialfeedback;Thechildbecomesincreasinglydistressedasshetriestocapturehermother'sattention.“Parentsdon’thavetobeexquisitelyparentsatalltimes,butthereneedstobeabalanceandparentsneedtoberesponsiveandsensitivetoachild’sverbalornonverbalexpressionsofanemotionalneed,”saysRadesky.Ontheotherhand,Tronickhimselfisconcernedthattheworriesaboutkids’useofscreensarebornoutofan“oppressiveideologythatdemandsthatparentsshouldalwaysbeinteracting”withtheirchildren:“It’sbasedonasomewhatfantasized,verywhite,veryupper-middle-classideologythatsaysifyou’refailingtoexposeyourchildto30,000wordsyouareneglectingthem.”Tronickbelievesthatjustbecauseachildisn’tlearningfromthescreendoesn’tmeanthere’snovaluetoit—particularlyifitgivesparentstimetohaveashower,dohouseworkorsimplyhaveabreakfromtheirchild.Parents,hesays,cangetalotoutofusingtheirdevicestospeaktoafriendorgetsomeworkoutoftheway.Thiscanmakethemfeelhappier,whichletsthenbemoreavailabletotheirchildtherestofthetime.AccordingtoJennyRadesky,digitalproductsaredesignedto（）.A.simplifyroutinemattersB.absorbuserattentionC.betterinterpersonalrelationsD.increaseworkefficiency

11、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》

12、揭示事物发展具有前进性和曲折性相统一的规律是（）。A.联系和发展的规律B.对立统一规律C.质量互变规律D.否定之否定规律

13、资料：Thehopflowerhasbeenusedinbeer-makingatleastsincetheeighthcentury.Traditionallyitwasapreservative,butitalsoimpartsflavor.Tosome,thetasteisbitterandunpalatable,andthusmanybrewersuseonlyminimalamounts.But,dependingonvariety,growingconditions,andotherfactors,hopscanimpartarangeofflavorsthatconnoisseurssayrivalsthatofwinegrapes.Startinginthenineteen-seventies,smallbrewersontheWestCoastbegandramaticallyuppingtheamountofhopsintheirbrews.OneoftheirmostpopularproductswastheIndiapaleale,orL.P.A.,abrewthathasbeenaroundsincethelateeighteenthcentury.ThestorygoesthatnecessitydrovetheBritishtoaddlargequantitiesofhopsinordertopreservethebeertheyshippedtoIndia,toquenchthethirstoftheSahibsmanagingtheEmpirethere.Overthepastdecade,varietiesoncethoughtofasboutiquebeers,suchasL.P.A.s,haveexplodedintheUnitedStates,thankstothelocavoremovement.Craftbrewingisnowdoublinginsales,byvolume,everyfiveyears,today,craft-beermakeuptwenty-onepercentofthebeermarket,andtwelvepercentofthevolume.TheBrewersAssociation,acraft-brewingtradegroup,expectscraftbeerstohaveafifty-per-centmarketshareinadecade.Sincecraftbrewersuseabouttentimesmorehopsthanmegabrewers,thetrendhasbeenabonanzaforHopsteinerandtheotherbighopscompanies.Butwhileanemphasisonbrewerstocomeupwithnewbeer,which,inturn,leadstoahuntfornewhopsvarieties.Accordingtothepassage,boutiquebeerswouldn’thaveexplodedintheUnitedStatesifwhichofthefollowinghappened?A.PeoplewereobsessedwithimportedproductsB.TheDollardepreciatedagainstEuroC.ThesmallbrewersandmegabrewersusedthesametypeofhopflowerD.BrewersAssociationwasfounded

14、（）incomputertechnologyareallowinguserstoreachintoanypartoftheworldbyjustclickingamouse.A.AdvancementB.AdvancesC.AdvancingD.Advance

15、下列关于我国“四大名窟”的说法，错误的是（）A.四大名窟都是以中国佛教文化为特色的B.四大名窟都位于我国南北分界线以北C.四大名窟均始建于魏晋南北时期D.四大名窟分布于我国四个不同省份

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

17、“沉鱼落雁”“闭月羞花”用以形容古代四大美女，下列形容古代四大美女与其关系对应不正确的是（）。A.沉鱼——西施B.落雁——王昭君C.闭月——赵姬D.羞花——杨玉环

18、____totheOlympicsopeningceremonyisconsideredasDylan’sgreatesthonorbyfar.A.BeinginvitedB.BeinvitedC.InvitingD.Invited

19、（）与资产业务、负债业务一起构成商业银行的三大业务。A.中间业务B.现金业务C.证券投资业务D.贷款业务

20、Sheneverforgavehimfor___hedidher.Neithercouldheridhimselfofthefeelingofguiltforhavingtreatedherthatway.A.wrongingB.awrongC.wrongD.thewrong

21、在会计核算原则中，要求合理核算可能发生的费用和损失的原则是指()。A.谨慎原则B.可比性原则C.一贯性原则D.配比原则

22、商业银行新的业务运营模式的核心是（）。A.督导责任制B.设综合窗口C.前后台分离D.全方位立体化

23、央行两次降息，那么，降息对下列人员最有利的是（）。A.30岁，待业青年B.小张去年毕业，是一家外企的基层员工C.老王已于2010年退休，现赋闲在家D.周某65岁，在银行有10万元存款

24、下列关于工作簿和工作表的说法正确的是（）。A.每个工作簿只能包含3张工作表B.只能在同一工作簿内进行工作表的移动和复制C.图表必须和其数据源在同一工作表上D.在工作簿中正在操作的工作表称“活动工作表”

25、资料：Acknowledgingthatso-calledcloudcomputingwillblurthedistinctionsbetweencomputersandnetworks,abouttwodozenbiginformationtechnologycompaniesplantoannounceanewstandards-settinggroupforcomputernetworking.Thegroup,tobecalledtheOpenNetworkingFoundation,hopestohelpstandardizeasetoftechnologiespioneeredatStanfordandtheUniversityofCalifornia,Berkeley,andmeanttomakesmallandlargenetworksprogrammableinmuchthesamewaythatindividualcomputersare.Thechanges,ifwidelyadopted,wouldhaveimplicationsforglobaltelecommunicationsnetworksandlargecorporatedatacenters,butalsoforsmallhouseholdnetworks.Thebenefits,proponentssay,wouldbemoreflexibleandsecurenetworksthatarelesslikelytosufferfromcongestion.Someday,theysay,networksmightevenbelessexpensivetobuildandoperate.Thenewapproachcouldallowforsettingupon-demand"expresslanes"forvoiceanddatatrafficthatistime-sensitive.Oritmightletbigtelecommunicationscompanies,likeVerizonorAT&T,usesoftwaretocombineseveralfiberopticbackbonestemporarilyforparticularlyheavyinformationloadsandthenhavethemautomaticallyseparatewhenadatarushhourisover.Forhouseholds,thenewcapabilitiesmightletInternetserviceprovidersofferremoteserviceslikehomesecurityorenergycontrol.Thefoundation'sorganizersalsosaythenewtechnologieswillofferwaystoimprovecomputersecurityandcouldpossiblyenhanceindividualprivacywithinthee-commerceandsocialnetworkingmarkets.Thosemarketsarethefastest-growingusesforcomputingandnetworkresources.Whilethenewcapabilitiescouldbecrucialtonetworkengineers,forbusinessusersandconsumersthechangesmightbenomorenoticeablethanadvancesinplumbing,heatingandair-conditioning.Everythingmightworkbetter,butmostuserswouldprobablynotknow-orcare-whyorhow.ThemembersoftheOpenNetworkingFoundationwillincludeBroadcom,Brocade,Ciena,Cisco,Citrix,Dell,DeutscheTelekom,Ericsson,Facebook,Force10,Google,Hewlett-Packard,I.B.M.,Juniper,Marvell,Microsoft,NEC,Netgear,NTT,RiverbedTechnology,Verizon,VMWareandYahoo."Thisanswersaquestionthattheentireindustryhashad,andthatishowdoyouprovideownersandoperatorsoflargenetworkswiththeflexibilityofcontrolthattheywantinastandardizedfashion."saidNickMcKeown,aprofessorofelectricalengineeringandcomputerscienceatStanford,wherehisandcolleagues'workformspartofthetechnicalunderpinnings,calledOpenFlow.TheeffortisadeparturefromthetraditionalwaytheInternetworks.Asdesignedbymilitaryandacademicexpertsinthe1960s,theInternethasbeenbasedoninterconnectedcomputersthatsendandreceivepacketsofdata,payinglittleheedtothecontentandmakingfewdistinctionsamongthevarioustypesofsendersandreceiversofinformation.TheintelligenceintheoriginalInternetwasmeanttoresidelargelyattheendpointsofthenetwork-thecomputers-whilethespecializedroutingcomputerswererelativelydumbpostofficesofvarioussize,mainlyconfinedtoreadingaddressesandtransferringpacketsofdatatoadjacentsystems.Butthesedays,whencloudcomputingmeansalotoftheinformationisstoredandprocessedoncomputersoutonthenetwork,thereisgrowingneedformoreintelligentcontrolsystemstoorchestratethebehaviorofthousandsofroutingmachines.Itwillmakeitpossible,forexample,formanagersoflargenetworkstoprogramtheirnetworktoprioritizecertaintypesofdata,perhapstoensurequalityofserviceortoaddsecuritytocertainportionsofanetwork.ThedesignersarguethatbecauseOpenFlowshouldopenuphardwareandsoftwaresystemsthatcontroltheflowofInternetdatapackets,systemsthathavebeenclosedandproprietary,itwillcauseanewroundofinnovationfocusedprincipallyuponthevastcomputingsystemsknownascloudcomputers.ThepossiblebenefitsofthestandardizedtA.growinguseofcomputinginthee-commercemarketB.softwarefordatarushhoursC.improvedcomputersecurityD.networksthatarelessexpensivetobuild

26、下列语句中，没有语病的一项是（）。A.自从李师傅开了修理高级手表的直播视后，短短的十分钟内，先后有一万二干人次前来观摩学习。B.减免高速公路通行费后，公路货运量较去年同期增加了1.5倍，高速通行费减少了0.8倍。C.许多消费者前来喝咖啡，并非是因为这家店的咖啡好喝，而是因为心忧患券到期不能使用。D.上午八点，随着飞机舱门缓缓打开，英雄们鱼贯而出，站立在通道两侧的数百名欢迎队伍立刻鼓掌，欢迎英雄们回家。

27、Anentrepreneur’sproductorservicemustsound______andmarketable,enoughtoconvincepeopletobecomeinvestors.A.sustainableB.feasibleC.probableD.eligible

28、（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”。文末“不可避免……疯狂的麦克斯”，这段文字支持下列哪项陈述？（）A.家长对新技术的担心是没有必要的B.作为成年人理解新技术是很困难的C.新技术的出现不会对青少年造成不利的影响D.技术改变的体验对成年人和孩子是不同的

29、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.Whatifapolitecomplaintdoesn'twork?A.ComplainagainpolitelyB.ThreatentotakefurthermeasuresC.ComplaininarudewayD.Reportittothemanagementofthecompany

30、资料：Itseemssimpleenough.Takealltheline-formingandpaper-fillingbusyworkofthegovernment,andputitallupontheInternet.Now,inordertoreportapot-hole,payyourpropertytax,complaintoanofficialorcastavote,justlogonandhitafewbuttons.Goodbyebureaucracy,helloe-cracy?However,theshifttoe-governmentisturningintoonegiantpainintheneck—technologyisn'ttheproblem,moneyis.TheGartnerGroupestimatedthatprojectspendingfore-governmentwillgrowfrom$6.5billionin2010tomorethan$16.8billionby2025.Thecostworldwideoverthenext15years,however,isthoughtbysometoreachorevenexceed$600billion.Citizensareoftwominds—theyliketheconvenienceandflexibilityofe-government,buttheyhaveshownnogreatinterestincoughingupextrataxdollarsforthispurpose.E-governmentisturningouttobemuchmoreexpensivethanitsearlychampionsenvisioned.Justbecausethatastate'sdepartmentofmotorvehiclesallowsonlineautoregistrationdoesn'tmeanitcanshutdownitsphysicalstations.ThecostofcreatingandmaintaininganInternetpresencemustbeaddedtotheexistingcoststructure.Whysoexpensive?It'scheapenoughforaregionalforestservicetoputupafirealertwebsite.Butmountingacomprehensivesystemofinputsandoutputsthatmirrorsandinsomeinstancessupersedesoff-linegovernmentstructuresisamammothexpenditure,conductedwithlittleassurancethatemergingtechnologicalstandardswon'tleaveyoureffortinthedust.Ifthissoundseerilysimilartotheconfidencewalldot-combusinessespiledintolastyear,goodforyou,becauseit’sthesamewall,thewallofreality,wheremoneyisstillmoney,andbecauseathingisvirtualdoesn’tmeanit’sfree.Itisareallybigproblem.Weallknowitisgoingtocostatonofmoney,butnooneknowswheretogoforthemoney.Whatcanweknowaboute-governmentfromthepassage?A.E-governmentisontheincreaseandwellfundedB.Theinvestmentone-governmentisadequateC.Governmentofficials’interestine-governmentisdecliningD.E-governmentisconvenientandflexible

31、《坛经》中记载：“时有风吹幡动，一僧日风动，一僧日幡动，议论不已。惠能进日：不是风动，不是幡动，仁者心动。”这段话表明惠能关于运动的基本观点是（）。A.运动是物质的根本属性B.运动与物质是不可分割的C.精神运动是物质运动的一种形式D.精神是运动的主体

32、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.Whydoestheauthormentiontheexampleofstereoinparagraph3?A.ToillustratethatitwillbebetterifthecustomerstatesthespecificproblemB.ToshowthatthestereoisreallynotworkingC.TocomplainaboutthestereoD.Tostressthatsomethingiswrongwiththeleftspeakerandthesound

33、资料：（二）Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushingthemout.Reversemortgages,whichallowhomeowners62oroldertoborrowmoneyagainstthevalueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeensaidwithproblems.Now,federalandstateregulatorsaredocumentingnewinstancesofabuseassmallermortgagebrokers,includingformersub-primelenders,floodthemarketaftertherecentexitofbigbanksandasdefaultsontheloanshitrecordhighs.Somelendersareaggressivelyrecommendingloanstoseniorswhocannotaffordthefeesassociatedwiththem,withoutmentioningthepropertytaxesandmaintenance.Othersarewooingseniorswithpromisesthattheloansarefreemoneythatcanbeusedtofinancetheirlong-desiredthings,withoutclearlyexplainingtherisks.Somewidowswerepressurednottohavetheirnamesonthecontract,withoutbeingtoldthattheycouldbeleftfacingforeclosureaftertheirhusbandsdied.Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewithdecliningsavings,thenewlyestablishedConsumerFinancialProtectionBureauisworkingonnewrulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Morethan775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.Concernsaboutthemulti-billiondollarreversemortgagesmarketechothoseraisedinthelead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghiddenrisks—thattheycouldnotafford.“Therearemanyofthesameredflags,includingexplosivegrowthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardedtosuitability,“sadLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthereversemortgagemarket.Whatcanwelearnaboutmortgageloansfromthefirstparagraph?A.TheloansareexpectedtohelpseniorsstayintheirhomesB.TheloansaredrivingallseniorsoutoftheirhomesC.ThereversemortgageonlywelcomesseniorsD.Anyseniorcanapplyforreversemortgages

34、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

35、资料：Italy'snextgovernment,acoalitionbetweenthepopulistFiveStarMovementandthefar-rightNorthernLeague,isgivinginvestorsplentytoworryabout.Leakedplans,hastilyabandoned,suggesteditmightwanttoleavetheeuroorasktheEuropeanCentralBanktoforgive€250bn（$292bn）ofItaliandebt.ButlessattentionhasbeenpaidtowhatitmightmeanforItalianbanks,andinparticularfortheirbiggestburden:non-performingloans（NPLs）.Over€185bnofNPLswereoutstandingattheendof2017,themostforanycountryintheEuropeanUnion.（1）BycomparisonwithGreecewhereNPLsare45%ofloans,Italylooksmanageablewithjust11.1%.Andithasmadeprogress:inlate2015NPLswere16.8%ofloans.Butanywildpolicylurcheswouldputthatprogressinquestion.Theclean-upofbanks’bookshasreliedonopennesstoforeigninvestors.HugevolumesofNPLs（€37bnin2016andover€47bnin2017,accordingtoDeloitte,aconsultancy）havebeensoldbybanks,oftentospecialistAmericanhedgefundslikeCerberusCapitalManagementorFortress