2026年全国银行招聘之银行招聘综合知识考试历年考试题（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、要求每个管理工作者必须从思想上明确：自己负责控制的对象是一个整体的动态系统，而不是一个个孤立分割的部分，应该从整体着眼对待部分，使部分服从整体。同时还应明确自己的位置，为更大的整体效益服务。这是（）。A.人本原理B.系统原理C.动态原理D.效益原理

2、Theprimarypurposeoftheconcernedgroupandindividualsisto________thegreenhousegasesandpollutants.A.depositB.decreaseC.deviationD.deprival

3、计算机病毒按照感染方式的分类中不包括（）。A.引导型病毒B.文件型病毒C.混合型病毒D.附件型病毒

4、农村革命根据地大多分布在南方，主要原因是（）。A.北伐战争的影响B.北方是军阀统治中心C.南方地形复杂，便于开展游击战争D.农村革命根据地的领导人多是南方人

5、申请人办理银行汇票，应向银行填写()一式三联。A.银行汇票办理书B.银行汇票申请书C.企业汇票申请书D.商业汇票办理书

6、Forthenewcountrytosurvive,（）foritspeopletoenjoyprosperity,neweconomicpolicieswillberequired.A.tonameafewB.letaloneC.nottospeakD.let’ssay

7、Theriseofthe____industryinGeorgiawasasignificanthistoricaldevelopmentwithaprofoundeffectonthestate'stextilemanufacture.A.fabricB.fiberC.filmingD.fashion

8、银行谨慎监管原则就是监管当局要（）评估银行机构的风险。A.一般限度地B.适当限度地C.最低限度地D.最大限度地

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

10、物体的惯性大小取决于（）A.物体的运动速度B.物体的质量C.物体的加速度D.物体受到的合力

11、Thistypeofnetworkingservesagreat______ingivingbacktothecommunity.A.processB.powerC.purposeD.project

12、商业银行应选派精通现代金融理论及金融创新理论的高素质客户经理接洽业务的细分市场为（）。A.国有企业B.民营企业C.外商独资企业D.合资与合作企业

13、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

14、泰戈尔获得诺贝尔文学奖的时间是（）。A.1923年B.1913年C.1915年D.1918年

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

16、2020年3月10日，北京航天飞行控制中心圆满完成我国首次（）探测任务无线联试，充分验证了探测器与地面系统的接口匹配性和一致性。A.火星B.相控阵雷达C.空间引力波D.太阳

17、ThenumberofthedisabledAmericanswentupforsolongthatthetrendoffallingoutofthelaborforceseemedlikeitmightbe______。A.adequateB.concreteC.practicalD.permanent

18、投资者投入的固定资产转入()科目。A.“实收资本”B.“资本公积”C.“盈余公积”D.“本年利润”

19、某企业库存现金5万元，银行存款75万元，应收账款40万元，存货80万元，流动负债200万元。该企业的速动比率是（）。A.0.4B.0.6C.0.8D.1

20、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

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

22、已知某城市商品住宅平均销售价格2006年、2007年、2008年连续三年环比增长速度分别为1%、6%、9%，这三年该城市商品住宅平均销售价格的定基增长速度为（）。A.(101%×106%×109%)-1B.1%×6%×9%C.(1%×6%×9%)+1D.101%×106%×109%

23、资料：Everyoneknowsairlinepricingisbasedonsupplyanddemand.FaresaremoreexpensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropeancapitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandforRomemustbehigherorsupplylower.What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylowerpricefortheexactsameflightifyouagreetogoontoanotherdestination.TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlytoRomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.Comparethatto$903foraround-trip,economytickettoMilan（stoppinginRome）leavingJFKontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflytoRomefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflighttoMilan?Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravelandchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketissegmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.（Theyalsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourageyoutoflydirect.）Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscan'tbetransferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthefreemarket,shouldn'tcustomersbeallowedtodothesamething?What’stheauthor’sattitudetothepresentairlinepricing?A.NeutralB.PositiveC.NegativeD.Notmentioned

24、（）在金融市场中发挥着极为关键的作用，是金融市场高速运行的基础。A.价格机制B.金融市场主体C.金融市场中介D.金融市场客体

25、当外汇业务发生时，对有人民币外汇汇率的外币，都直接以（）为记账单位。A.外币B.原币C.外币或者原币D.依情况而定使用何种货币

26、1912年（）写出第一本以“Marketing”命名的教科书，被认为是市场营销学作为一门独立学科出现的标志。A.鲍敦B.菲利普·科特勒。C.彼得·杜拉克D.赫杰特齐

27、长期股权投资的被投资单位因增资扩股而增加的所有者权益，银行应记账为（）。A.借：长期股权投资——股票投资(股权投资准备)贷：资本公积——股权投资准备B.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)C.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)D.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

28、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

29、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

30、Thereisa（）differenceinmeaningbetweenthewordssurroundingsandenvironment.A.sensibleB.subtleC.feebleD.humble

31、银行存款收入和付款都不入银行存款日记账，其动机不包括()。A.想隐瞒留收人B.利用账户为他人取现金从中获取好处费C.将单位资金借出或公款私存，获得利息收入D.节省成本

32、科学发展观的第一要义是（）。A.科教兴国B.以人为本C.发展D.发展战略

33、若一国的财政收入比支出要少，则说明该国出现（）。A.通货膨胀B.金融危机C.财政赤字D.贸易赤字

34、银行汇票持票人未在代理付款行开户的，原持票人需要一次或分次转账支付的，应由其填制支款凭证，并交验本人身份证件。其会计分录为()。A.借：存放联行款项(联行往账)贷：应解汇款一一持票人户B.借：应解汇款一一原持票人户贷：现金C.借：应解汇款一一原持票人户贷：××科目一一××户D.借：现金贷：应解汇款一一持票人户

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

36、一次校友聚会有35人参加，在参加联欢会的同学中，每个女生认识的男生人数各不相同，而且恰好构成一串连续的自然数，最多的全认识，最少的也认识12个，这次聚会有（）个女生。A.24B.13C.12D.无法确定

37、Passage4Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouse-owner,forexample,knowsthathispropertycanbedamagedbyfire;theship-ownerknowsthathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageandleavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeettheneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthecontributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionareknownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnotofakindthatcanbestatisticallyestimated—andriskscanonlybeinsuredagainstiftheycanbesoestimated.Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthebestquality.Itstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumofmoney,calledthe"premium",whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,iftheriskoreventinsuredagainstactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasoundreasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthemeaningofdoubtfulphrasesinpolicies.Thelawcourts,intheirjudgments,havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshavecontinuedtobeusedinpoliciesevenwhentheyhavepassedoutofnormaluseinspeech.Accordingtothispassage,insuranceispossiblebecause（）.A.onlyasmallproportionoftheinsuredsufferlossB.everyoneatsometimesufferslossC.nearlyeveryonesufferslossD.onlyinsuredpeoplesufferloss

38、关税同盟的主要内容是（）。A.成员国之间实行自由贸易政策B.同盟国内部实行共同的经济政策与社会政策C.同盟国外部实行统一的关税D.同盟国内部实行自由贸易，对外实行统一关税

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

40、（）是收文办理的中心环节。A.批办B.拟办C.承办D.注办

41、下列各项中不会引起其他货币资金发生变动的是（）。A.企业销售商品收到商业汇票B.企业用银行本票购买办公用品C.企业将款项汇往外地开立采购专业账户D.企业为购买基金将资金存入在证券公司指定银行开立账户

42、把本国货币与本国主要贸易伙伴国的货币确定一个固定的比价，随着一种或几种货币进行浮动的制度是（）。A.固定汇率制度B.盯住汇率制度C.联合浮动汇率制度D.浮动汇率制度

43、资料：Stressisacommonfactorinlife.Childrenexperiencestressfromschool,newsocialsituationsandsimplygrowingup.Adultsfeelthestressofworking,payingbills,raisingkidsandmaintaininghouseholds.Seniorsalsofeelstress,eventhoughsomemayhaveretired,raisedtheirchildrenandpaidofftheirhomes.Certainamountsofstressareapartoflifeforpeopleofallages.Forseniors,stresshasthepotentialtobeespeciallyoverwhelming.Thistypeoftensioninolderadultshasuniquecontributingfactors,suchasthelossofanelderlyspouseorfriends.Livingalonecanincreasethesenseofisolation.Sometimesthesimpletasksofeverydaylifecancausestressinthosewhoexperiencephysicalormedicallimitations.Theeffectsofstresscansometimesexacerbatehealthconditionsfromwhichsomeseniorssuffer,causingadditionalworry.Stresscanbedetectedinvariousways.Youmayfollowthefivemostcommonwaystofindoutifalovedone’sstressiscauseforconcern:1.Changesineatinghabits,suchasover-eatingorlossofappetite,canbecausedbyoverwhelmingstress.2.Moodswingsduetostressmaypresentinincreasedirritability,generalsadnessordepression.3.Memoryissuesmayariseintheformofincreasedforgetfulnessofnames,placesorotherthingsthatnormallycomenaturally.Lackofconcentrationmaybecomeaproblem.Someseniorsmayexercisepoorjudgment,suchasexcessivespendingwhentheyarealreadyonalimitedbudget.4.Physicalsignsofstresscanincludebodyachesandpainsorincreasedepisodesofillness.Changesinsleepingpatterns—eithertroublefallingasleeporinterruptednighttimesleep—cansignalsignificantstress.5.Seniorsexperiencingoverwhelmingstressoftenisolatethemselvesfromothers,refusingtosocializeorparticipateinactivitiestheyusedtoenjoy.What'sthemainthemeofthepassage?A.StressisexperiencedbyeveryoneB.StressiscommonandcanbedetectedC.StresscannotbepreventedD.Stressiseverywhereandhardtodealwith

44、在我国加入WTO后的今天，外资银行已经逐步突破地域、业务等限制进入我国市场。外资银行在我国拓展业务，由于对国情、民情和金融法规不甚了解，难以准确把握市场信息。外资银行把握市场信息的捷径就是实现管理人员的“本土化”。外资银行用优厚的薪酬待遇、优越的工作环境、良好的福利保障、众多的出国培训机会、灵活的用人机制来吸引和留住人才。这一举措导致了我国金融人才的大量流失，这对我国商业银行人力资源开发和管理提出了严峻挑战。根据上述材料，回答以下问题：西方商业银行员工薪酬结构不包括（）。A.科学的工资和资金制度B.各种福利计划C.长期的激励机制D.建立员工自我实现平台

45、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

46、资料：To：SherryLintonFrom：MelanieJuryDate：15JulySubject：PurchaseordersPleasenotethatapurchaseorder（copyattached）mustbecompletedforallpurchasesover50USD.CompletepurchaseordersshouldbepassedtoChristineHantketoagreetermsofpaymentwiththesupplier,andthensenttotheManchesterofficeforfinalapproval.Purchaseordersunder50USDcanbepaidforfromthepettycashaccount.Manythanksforyourco-operation.MJWhatdoes“MJ”atlaststandfor?A.MichalJacksonB.ManyjoyC.AkindofgreetingD.TheinitialsofMelanieJury

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

48、资料：With55%ofconsumers'customerserviceinteractionsstartingonlineand63%ofadultsusingtheirsmartphoneseveraltimesamonthtoseekcustomerservice，yourmobilecustomerservicetacticsaremoreimportantthanever.Astrongmobilecustomerservicestrategywillnotonlyhelpyouavoidlosingcustomers，itcanhelpyougainnewonesandimpactthebottomline.ThinkfastordroptheballWhenitcomestocustomerservice，speediskey.Ifmycreditcardstopsworking.orifIamtryingtofindthegatetomyflight，orifIjustlostcellreception，Ineededtheresponsefiveminutesago.Whencustomersdogetintouch，it'simportanttoactfasttogetthemtheinformationtheyneed.Forty-twopercentofAmericanshopperscomplainingonsocialchannelsexpectabrandtorespondwithinthehour，and57%expectthesameleveloftimelycustomerserviceviasocialmediaatnightandontheweekendsasduringbusinesshours.Customers，however，arenotjustlookingforspeedyresponses.We'reaccustomedtohavingalltheinformationweneedatourfingertips.AccordingtoForrester.SS%ofshoppersarelikelytoabandontheironlinepurchaseiftheycan'tquicklyfindananswertotheirquestionand30%ofusersconsideringabandoningapurchaseifasiteisnotmobileoptimized，whetherthat’sonyourwebsiteorviayoursocialmediaplatforms.Makesurethatdoesn'thappentoyoubythinkingthroughpotentialquestionsyourcustomersmayhave，andidentifyinganymissingorincorrectinformationbeforecustomersneedtoreachout.Additionally，ensureyourcustomerservicecontactinfo（whetherthat'sacontactform，emailaddressorsocialmediahandle）arereadilyavailableonallmobilewebsitepages.Thefewerchickswehavetomaketogettheinformationweseek，thebetter！Whyisastrongmobilecustomerservicestrategycritical?A.ItforbidscustomerstogoB.IthelpsyougainnewcustomersC.BecauseofcustomersareusingtheirsmartphonetoseekcustomerserviceD.Itpreventlosingcustomersentirety

49、IwasextremelyexhaustedwhenIgothomefromwork,butahalfhournap（）me.A.revivedB.releasedC.relievedD.Recovered

50、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

51、Itis___oftheyoungsenatortochallengetheleadershipsosoon.A.presumptuousB.jubilantC.quizzicalD.ultrasonic

52、2019年，我国规模以上工业增加值增长5.7%。在规模以上工业中，分经济类型看，国有控股企业增加值增长4.8%;股份制企业增长6.8%，外商及港澳台商投资企业增长2.0%；私营企业增长7.7%。分门类看，采矿业增长5.0%，制造业增长6.0%，电力、热力、燃气及水生产和供应业增长7.0%。全年规模以上工业中，农副食品加工业增加值比上年增长1.9%，纺织业增长1.3%，化学原料和化学制品制造业增长4.7%，非金属矿物制品业增长8.9%，黑色金属冶炼和压延加工业增长9.9%，通用设备制造业增长4.3%，专用设备制造业增长6.9%，汽车制造业增长1.8%，电气机械和器材制造业增长10.7%，计算机通信和其他电子设备制造业增长9.3%，电力、热力生产和供应业增长6.5%。2019年主业工业产品产量及其增长速度年末全国发电装机容量201066万千瓦，比上年末增长5.8%。其中，火电装机容量119055万千瓦，增长4.1%；水电装机容量35640万千瓦，增长1.1%；核电装机容量4874万千瓦，增长9.1%；并网风电装机容量21005万千瓦，增长14.0%；并网太阳能发电装机容量20468万千瓦，增长17.4%。全年全社会建筑业增加值70904亿元，比上年增长5.6%。全国具有资质等级的总承包和专业承包建筑业企业利润8381亿元，比上年增长5.1%，其中国有控股企业2585亿元，增长14.5%。图22015-2019年建筑业增加值及其增长速度2015至2019的五年期间，我国全部工业增加值增加了约（）亿元。A.82140B.41990C.71703D.16020

53、资料：From:IrisWuTo:TimApplebySubject:MarketingissuesDate:May3HiTim,Canyouscheduleaconferencecallforallourmarketingdirectors,meincluded,todiscussthelaunchofthenewapplianceline?PleasenotethatourofficesinthePhilippinesandFrancearerespectively,twelveandsixhoursaheadofus.Threfore,kindlyremindthedirectorsthatthecallmayhavetooccuroutsideofbusinesshours.ThemeetingshouldbearrangedbeforethenewproductpresentationsonMay26.IrecommendschedulingthecallonMay14or15toallowsufficienttimefortheapplianceinformationchartstobeupdatedwithanysuggestedchanges.Shouldadifferentdatebemoreconvenientfortheotherdirectors,pleasecheckwithmetoconfirmmyavailability?ThankyouIrisWhywasthee-mailsenttoMr.Appleby？A.TonotifyhimofaconferencedateB.ToaskhimtosharehismarketingideasC.ToapprovehisinternationalbusinesstripD.Torequestthatheorganizeatelephonemeeting

54、假设某银行体系：（1)原始存款总额为100万元；（2)法定准备金额为8%;(3)现金漏损率为10%;(4)超额准备金率为2%;(5)定期存款准备金率为4%;(6)定期存款总额为20万元。根据上述材料，回答下列问题：在考虑上述所有条件时，存款乘数公式为（）。A.K=1/(r+h)B.K=1/(r+h+e)C.K=1/(r+h+e+t×S)D.K=1/(r+h+e×t+s)

55、下列关于死刑的说法中，错误的是（）。A.死刑只适用于罪行极其严重的犯罪分子B.犯罪时不满l8周岁的人和审判时怀孕的妇女不适用死刑C.判决死刑立即执行的，由最高人民法院和最高人民法院授权的部分高级人民法院核准D.判处死刑缓期执行的，在死刑缓期执行期间，如果没有故意犯罪，两年期满后减为无期徒刑

56、银行汇票持票人在代理付款行开户的处理中，代理付款行收到在本行开户的持票人送交的汇票、解讫通知和进账单，经审核无误后，以汇票作借方传票，第二联进账单作贷款传票。其会计分录为()。A.借：××存款一一持票人户贷：存放联行款项(联行往账)B.借：××存款一一持票人户贷：银行存款C.借：银行存款贷：××存款——持票人户D.借：存放联行款项(联行往账)贷：××存款一一持票人户

57、Whilethepreliminaryresearchisfavorable,itmaytakeyearsforBogorPharmacouticalstodevelop____evidenceofthedrug’seffectiveness.A.conclusionB.concludeC.conclusiveD.concludes

58、银行存款日记账与银行对账单之间的核对属于（）。A.账账核对B.账证核对C.账实核对D.余额核对

59、Nowthatwehaveanescapedpoliticalprisoneronthe______,everybodyisfightingshyofhavinganythingtodowithpeoplelikeyou.A.looseB.releaseC.slackD.relax

60、在Word2003中，要选择一段文字，从文字开头处单击鼠标，再在这段文字的结尾处按（）键，同时按鼠标。A.CtrlB.ShiftC.AItD.De1

61、Consequently，asustainablebusinessmodelcan______companiestobetteradapttocomplexenvironmentsandachievesustainablecompetitiveadvantages。A.renderB.enableC.causeD.ensure

62、关于股票和公司债券的公开行为，以下说法正确的是（）。A.股票发行实行核准制，公司债券实行审批制B.股票和公司债券均实行审批制C.股票和公司债券均实行核准制D.股票发行实行审批制，公司债券发行实行核准制

63、资料：TaikongCitywasfoundedbythedormunsabout50AD.ItsnameisderivedfromaCethicworldwhichmeansthepieceoftheboldone.AftertheyinvadedBlitonin43ADtheDormonsbuiltabridgeacrosstheThemasRiver.Theylaterdecideditwasanexcellentplacetobuiltaport.Thewaterwasdeepenoughforoceangoingshipsbutitwasfarenoughinlandtobesafefromotherraiders.Around50ADDormonsmerchantsbuiltatownbythebridge.SoTaikongCitywasborn.Therewasnotastonewallaroundtheearlysettlementbuttheremayhavebeenaditchandanearthramepartwithawoodenpalisadeontop.Thenin61ADQueenBoudialedarebellionagainsttheDormuns.HerarmymarchedonTaikongCity.NoattemptwasmadetodefendTaikongCity.BoudiaburnedTaikongCitybutafterherrebellionwascrushedawasrebuilt.Richpeolebuilthousesofstoneorbrickwithtiledroofsbutmostpeoplelivedinwoodenhouses.Bytheendofthe2ndcenturystonewallwaserectedaroungTaikongCity.Thewallwas20feethigh.Outsidethewallwasaditch.Inthemiddleofthe3rdcentury20bastionswereaddedtothewalls（asemi-circulartowerprojectingfromthewall）.Whatdoestheunderlineword“erected”mean?A.establishedB.improvedC.exceedD.promoted

64、实验室有两瓶某物质溶液，甲瓶有100克溶液，浓度为5%，乙瓶有150克溶液，浓度为8%，从两瓶中取出相等的若干克溶液，交换倒入另一瓶，令此刻的甲乙瓶浓度相等，则取出的溶液是（）。A.60B.50C.70D.80

65、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

66、金融市场客体不包括（）。A.新浪大数据100指数B.中西C.国债D.上证50ETF

67、资料：It'salmostconsideredsacrilegioustodaytoleaveworkattheendofyourworkdayor（forshamel）onaFridayandsimplynotcheckyouremailuntilyoureturntheofficeduringnormalworkinghours.Theconstantneedtocheckemailisthetrade-offthemodernworkforcehasmadefortheabilitytoworkanytime,anywhere,thankstosmartphonesandtabletsthatkeepusalwaysconnected.Butthreeuniversityresearchershavefoundthatit'snotjustdoingabitofworkafterhoursthatcauseburnout.Thetrueculpritisactuallytheconstantworryingaboutoff-houremail.Anewstudy"ExhaustedButUnabletoDisconnect."byLehighUniversity'sLiubaBelkin,VirginiaTech’sWilliamBeckerandColoradoStateUniversity'sSamanthaConroyshowsthatemployeesaregrowingexhaustedbytheexpectationthattheywillalwaysbeavailable,neverknowingwhatkindofworkrequestswillaskedofthemoffhours.Typically,companiesdon'tmeantostressemployeesoutlikethat.Mostcompaniesdon'thaveformalpoliciesthatsaypeoplemustanswerworkemailsafter-hours.（expect,perhaps,incaseswhereanemployeeisoncallduringspecifictimes）.Butpoliciesandculturetendtobetwodifferentthings.Ifsupervisorsroutinelyemailemployeeafterhoursandexpectafastresponse（oftenbecausetheirsupervisorsaredoingthesametothem）,thenthemessageisclear:wheneverthebossemails,theemployeeisexpectedtobeavailable.Thesolutionisforbossestotellemployeesthatanafter-hoursemaildoesn'tnecessarilyrequirearesponsebeforethenextworkday,andtoalsosetsometimeswhenafter-hoursemailingisconsideredacceptableandprohibited,suchasnoemailsviathedinnerhour,onweekends,orafter10p.m,theresearcherssay.Whatcanbeinferredfromthefirstparagraph?A.It’sshameifyoucheckyouremailallthetimeB.TheemployeesarewillingtoleaveworkattheenddayoftheworkdayC.Theemployeesareexpectedtoansweremailsalthoughit'snotworkingtimeD.Workemailistheessentialpartinworker’sdailylife

68、Whichofthefollowingisorwasanexampleofrepresentativefull-bodiedmoney？（）。A.DebtmoneyB.ATSaccountC.GoldcertificateD.Demanddeposit

69、在一个会计期间发生的一切经济业务，都要依次经过的核算环节是（）。A.填制和审核凭证、复式记账、编制会计报表B.填制和审核凭证、登记账簿、编制会计报表C.设置会计科目、成本计算、复式记账D.复式记账、财产清查、编制会计报表

70、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

71、资料：Forpromotionstoremaineffective,RTcompanyhastoanalyzetheimpactofdifferentcampaigns.Wordofmouthpromotionscanbemoredifficulttomeasurethansometraditionalmethodsofpromotion.Althoughhealthysalesareanimportantmeasure,RTusesothermeasurestoevaluatetheeffectivenessofitsactivities.Forexample:Settingtargetsforsalesreturnsfromthesmallerpromotionalactivities.Evaluatingtheamountofeditorialcoverageitsactivitiesreceiveinthemedia.Measuringthenumberofblogsrelated