2024年全国银行招聘之银行招聘综合知识考试高频题附答案 (一)

全国银行招聘考试重点试题精编

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I

密

I（参考答案和详细解析均在试卷末尾）

一、选择题

1、Passage10

Withsomuchfocusonchildren'suseofscreens,it'seasyforparentstoforgetabouttheirown

screenuse/Techisdesignedtoreallysuckonyouin/saysJennyRadeskyinherstudyofdigital

play/anddigitalproductsaretheretopromotemaximalengagement.ltmakesithardto

disengage,andleadstoalotofbleed-overintothefamilyroutine/

Radeskyhasstudiedtheuseofmobilephonesandtabletsatmealtimesbygivingmother-child

pairsafood-testingexercise.Shefoundthatmotherswhosueddevicesduringtheexercise

started20percentfewerverbaland39percentfewernonverbalinteractionswiththeir

children.Duringaseparateobservation,shesawthatphonesbecameasourceoftensioninthe

family.Parentswouldbelookingattheiremailswhilethechildrenwouldbemakingexcitecbids

fortheirattention.

Infantsarewiredtolookatparents'facestotrytounderstandtheirworld,andifthosefacesare

blankandunresponsive—astheyoftenarewhenabsorbedinadevice—itcanbeextremely

disconcertingforthechildren.Radeskycitesthez/stillfaceexperimentwdevisedbydevelopmental

凶密psychologistEdTronickinthe1970s.Init,amotherisaskedtointeractwithherchildinanormal

封

线waybeforeputtingonablankexpressionandnotgivingthemanyvisualsocialfeedback;Thechild

becomesincreasinglydistressedasshetriestocapturehermother'sattention/'Parentsdon't

havetobeexquisitelyparentsatalltimes,butthereneedstobeabalanceandparentsneedtobe

responsiveandsensitivetoachild'sverbalornonverbalexpressionsofanemotionalneed/says

Radesky.

Ontheotherhand,Tronickhimselfisconcernedthattheworriesaboutkids'useofscreensare

bornoutofan/zoppressiveideologythatdemandsthatparentsshouldalwaysbeinteracting'with

theirchildren/lt'sbasedonasomewhatfantasized,verywhite,veryupper-middle-classideology

thatsaysifyou'refailingtoexposeyourchildto30,000wordsyouareneglectingthem.wTronick

believesthatjustbecauseachildisn'tlearningfromthescreendoesn'tmeanthere'snovalueto

it—particularlyIfitgivesparentstimetohaveashower,d。houseworkorsimplyhaveabreak

恬

fromtheirchild.Parents,hesays,cangetalotoutofusingtheirdevicestospeaktoafriendorget

someworkoutoftheway.Thiscanmakethemfeelhappier,whichletsthenbemoreavailableto

theirchildtherestofthetime.

Radesky'sfood-testingexerciseshowsthatmothers'useofdevices（）.

A.takesawaybabies^ppetite

B.distractschildren'sattention

C.slowsdownbabieszverbaldevelopment

0.reducesmother-childcommunication

2、在竞争企业优劣势分析的内容中，属于市场营销方面的是（）。

A.竞争企业的生产成本水平

B.竞争企业产品系列的宽度与深度

C.市场调研与新产品开发的能力

D.设施与设备的技术先进性与灵活性

3、（）会增加失业。

A.退休工人的数量增加

B.退休劳动力队伍的人数增加

C.离开学校找工作的人数增加D*离开工作上学的人数增加

4、（）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，H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

5、Thisyear,thefiguresare27percentand53percent.

A.respectively

B.respectly

C.respecting

D.respect

6、Passage1

Thereisawonderfulstoryaboutayounggirlwhohadnofamilyandnoonetoloveher.

Oneday,feelingverysadandlonely,shewaswalkingthroughagrasslandwhenshenoticeda

smallbutterflycaughtinathorn（荆棘）bush.Theyounggirlcarefullyreleasedthe

butterfly.lnsteadofflyingaway,thelittlebutterflychangecintoabeautifulfairy.Theyounggirl

rubbedhereyesindisbelief.

“Foryourwonderfulkindness/thegoodfairysaidtothegirl/lwillgiveyouanywishyouv/ould

like."Thelittlegirlthoughtforamomentandthenreplied/lwanttobehappy/

Thefairyleanedtowardherandwhisperedinherear.Thenthefairydisappeared.

Asthelittlegirlgrewup,therewasnooneinthelandashappyasshe.Everyoneaskedhersecret

ofhappiness.Shewouldonlysmileandanswec^ThesecretofmyhappinessisthatIlistenedtoa

goodfairywhenIwasalittlegirl.”

Whenshewasveryoldandonherdeathbed,theneighborsallgatheredaroundherzandfeared

thatherunbelievablesecretofhappinesswoulddiewithher/Tellus,please,“theybegged,“Tellus

whatthegoodfairysaid/Thelovelyoldwomansimplysmiledandsaid/Shetoldmethat

everyone,nomatterhowsecuretheyseemed,nomatterhowoldoryoung,howrichorpoor,had

needofme.”

Noticingthebutterflywascaughtbythethorn,theorphangirl().

A.helpedthebutterflyescapedfromthethorn

B.feltsorrow,butshedidn'tgouptohelpit

C.felldownonittoo

0.failedtohelpitreleasefromthethorn

7、某企业进行一项投资，有甲、乙两个方案，甲方案的计算期为16年.净现值为240万元，

乙方案的计算期为12年，计算使用的折现率是8%。某企业使用最短计算期法将甲方案的

净现值调整为(

A.240(P/A,8%,12)x(A/P,8%,16)

B.240(A/P,8%,12)x(P/A,8%,16)

C.240(P/A,8%,12)x(P/A,8%,1G)

D.240(P/A,8%,12)x(P/A,8%,16)

8、下列语句排序最恰当的一项是（）o

（1）Kopi在印尼语中是“咖啡”的意思，Luwak则指一种叫做“麝香猫〃的野生动物。

（2）麝香猫进食咖啡豆后，咖啡豆会在它肚子内发酵、褪壳，加上其胃粘膜分泌的激素分

解蛋白质，产生的氨基酸就能使得咖啡豆原本的苦涩味降低。

（3）猫屎咖啡的正式名称为"KopiLuwak”

（4）麝杳猫咖啡的起源最早可追溯到印尼殖民时代，有人偶然发现野生鹿香猫在园内进食

后排出的咖啡豆有着截然不问的关味。

（5）那么，备受人们喜爱的猫屎咖啡到底是如何来的呢？

（6）麝香猫喜欢挑选咖啡树中最成熟香甜、饱满多汁的咖啡果实当做食物，但是只有果肉

能被麝香猫消化掉，坚硬的咖啡原豆则会被排山体外。

A.(3)(1)(4)(5)(6)(2)

B.(4)(6)(2)(3)(1)(5)

C.(3)(6)(1)(5)(2)(4)

D.(4)(1)(3)(2)(5)(6)

9、邓小平提出的“三个有利于”标准具有内在的联系性，其中最基本的是（）。

A.提高人民的生活水平

B.发展生产力

C.巩固社会主义制度

D.增强社会主义国家的综合国力

10、结转已售产品的成本60000元，应做的分录是（）。

A.借：库存商品60000贷：生产成本60000

B.借:主营业务成本60030贷:库存商品60000

C.借：主营业务成本60030贷：主营业务收入60000

D.借：本年利润60000贷：主:营业务成本60000

11、在商业银行经营管理原则中，流动性、安全性与盈利性成()关系。

A反比

B.正比

C对比

D.一致

12、在我国加入WTO后的今天，外资银行己经逐步突破地域、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：

人力资源开发和管理居于现代管理中的()地位。

A.主要

B.重要

C.次要

D核心

13、资料：Everyoneknov/sairlinepricingisbasedonsupplyanddemand.Faresaremore

expensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropean

capitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandfor

Romemustbehigherorsupplylower.

What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylower

pricefortheexactsameflightifyouagreetogoontoanotherdestination.

TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlyto

RomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.

Comparethatto$903foraround-trip,economytickettoMilan(stoppinginRome)leavingJFK

ontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflyto

Romefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflightto

Milan?

Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravel

andchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketis

segmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortest

routetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.(They

alsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourage

youtoflydirect.)

Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscar'tbe

transferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthe

freemarket,shouldn'tcustomersbeallowedtodothesamething?

Accordingtotheexample,howmuchshouldyoupayifyouflytoMilanfromJFKandstopin

Romemidway?

A.$752foraone-way,economyticket

B.$1,655foraround-trip,economyticket

C.$827foraone-way,economyticket

D.$903foraround-trip,economyticket

14、资料：ThefollowingpassageistheintroductionaboutoneoftheMonsellinternational

financialproducts.Accordingtothepassage,therewillbe5questions.Youshouldread

carefully,thenselecttherightanswer.

Passage:

Asateenagerbetweentheageof13and18,maybeyouwouldliketomanageyourownmoney

andhaveyourownbankaccount.ThegoodnewsisthatBankofMonsellhasjustlaunched

severalgreatsolutionsforyou.

ThefirstoneistheTeenDiscountedBankPlans(TDBPS).TDBPSfeatureadiscountof$9.95per

monthonyourmonthlybankfee—that'sasavingsofupto$120peryear.lt'stheprimaryand

mostcommonaccountchosenbynearly45%ofourteencustomers.Ifitisnottoyour

liking,maybethefollowingalternativeswhichoffermorediscountandbenefitsonyourbank

accountsareabletomeetyourdemands.

InaPlusPlan,youcanhaveupto30transactionspermonthfreeofchargeonasmanyas

accountsasyouneedontheconditionthatyourPrimaryChequingAccountmustbeyourlead

account,theoneyoudesignatetopayanyfeesrequiredbyyourBankPlan(i.e.monthlyplan

fees,transactionfees).ItincludesPrimaryChequingandupto19moreeligibleaccounts.Youcan

make30transactionseitherinbranch,byphone,online,bymobileoratanATMofBankof

Monsell.Fromthe31sttransaction,afeeof$0.7pertransactionwillbecharged.APlusPlanisable

tohelpsaveyouupto$288.60ayearonfees.BesidesJtenablesyoutosendmoneygloballyto

over200countriesandterritoriesviaInteracte-TransferthroughitsOnlineBanking.APlusPlan

offerspreferredexchangerateonlywhenbuyingU.S.cash(upto$5,000U.S.pertransaction).

InaPerformancePlan,thenumberoftransactionsisunlimitedonasmanyasaccountsasyou

need,meaningthatyoucanmakeasmanyeverydaybankingtransactionsasyouwantfreeof

chargeinbranch,onlineoratanATMofBankofMonsell.ltdoesnotincludephonebanking

services.However,afeeof$4.00amonthischargedforthisservice.ltalsoincludesPrimary

Chequingandupto16moreeligibleaccounts.lthelpsyousaveupto$456.60ayearonfees.lt

alsoenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInterace-

TransferthroughitsOnlineBanking.What^more,onenon-bankofMonsellATMwithdrawalon

theInteracnetworkpermonthisoffered.APerformancePlanofferspreferredexchangerate

whenbuyingorsellingU.S.cash(upto$5,000U.S.pertransaction).

InaPremiumPlanyoucanalsomakeunlimitedtransactionsonasmanyaccountsasyouneedat

amonthlyfeeof$15.05.ItincludesPrimaryChequingandupto15moreeligibleaccounts.The

everydaybankingtransactionsofthisplanshouldbecontrolledfewerthan40,oryouhavetopay

afeeof$0.8foreverytransactionbeyond40.lthelpssaveupto$791.95peryearonfees.What's

more,5non-bankofMonsellATMdebittransactionsontheInteracnetworkand5international

debittransactionsusingnon-bankofMonsellATMspermonthisincluded.Howeverjtdoesnot

havetheabilitytosendmoneygloballytoanycountryorterritoryviaInterace-Transferthrough

itsOnlineBanking.APremiumPlanofferspreferredexchangerateonlywhensellingU.S.cash(up

to$5,000U.S.pertransaction）.

Youcanapplyforanyoftheseaccountsbyphone,onlineorinperson.Pleasefeelfreetocallusat

1-870-226-5266orwriteemailstoBankofMonsellMike@orgetonourwebsitefor

anyfurtherdetailsoftheseservicesandproducts.

Thepurposeofthewriterinwritingthispassageisto.

A.introducetheBankofMonsell

B.analyzetheproductsofBankofMonsell

C.introducecertainproductsandservicesforteens

D.showthesuccessoftheBankofMonsell

15、近年来，我国取得了举世瞩目的成就。下列被称作中国的："新四大发明”的是：（）。

A.蛟龙天眼墨子人工智能

B.天官支付宝网购共享单车

C.高铁网购移动支付共享单车

D.大飞机高铁悟空移动支付

16、资料：JobDescription

A+CNetworksCo-DrandedCreativeDepartmentislookingforamotivatedcandidatewith1-3

yearszexperiencetobepartofauniquedepartmentontheA&Ebrand.Theselectedcandidate

willbeworkingonco-brandedsponsoredentertainmentandbrandedpartnershipsforA&E

Network.

OurpreferredcandidatewillpossessapassionfortheA+Ebrandsandisknowledgeableof

co-brandededsponsoredentertainment.TheProductionCoordinatorwillbeavaluedteam

memberbyactingasGrandCentralandsupportingtheteam（internalandexternal）withall

logisticalneeds,suchascollectingassetstoproducespotsandkeepingtrackofalldepartment

activitiestosupporttheoverallworkflow.Therightcandidatewillhaveabalancebetweenbeing

detailoriented/organizedwhenitcomestotheproductionprocessanddeadlines,aswellas

havingthedesiretocontributetodevelopment.

Howtogainhigherprofileprojects?

A.Waitforabetterchance

B.Makeajob-hopping

C.Becomeaproducer

D.Workharderandbemorefocused

17、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

18、有一笔国债，5年期，溢价20%发行，票面利率10%,单利计息，到期一次还本付清，

其到期收益率是（）。

A.4.69%

B.4.23%

C.5.23%

D.4.57%

19.Intel公司是美国占支配地位的计算机芯片制造商.当他们推出一种新产品时。定价总

是比同类产品的定价低，在销售的第•年他们可能获利很小，但他们很快就把产品打入了市

场，第二、三年会大量销售产品而获利。他们采用的是（）策略“

A.速取定价

B.渐取定价

C.弹性定价

D.理解价值定价

20、根据我国《反洗钱法》及中国人民银行的规定，银行等金融机构在反洗钱方面承担的相

关义务不包括（）。

A.协助反洗钱调查

B.对反洗钱工作的信息进行适度公开

C.及时报告大额和可疑交易

D.建立内部反洗钱工作机制和规程

21>He'sastrangechildandhisteachersfinditdifficulttohim.

A.scold

B.reach

C.play

D.seize

22、Theoptimallengthofanapwasanhourandahalfpeoplecouldgothrougha

completecycle.

A.sothatA

B.evenif

C.asto

D.assoonas

23、Lawyershavequestionedtheofthebanonpoliticalrallies,butofficialscontinuetoinsist

theyaremoreinterestedinensuringpublicsafetythanstiflingpoliticaldissent.

A.importance

B.qualification

C.legality

D.extension

24、目前市售的USBFlashDisk（俗称优盘）是一种（）。

A.输出设备

B.输人设备

C.存储设备

D.显示设备

25、Similarly,hetoldcouplestoseekmaritalcounselingifthey'rehavingtrouble

communicating.

A.onthebrink

B.ontheverge

C.inparticular

D.aheadoftime

26、IBMnowhasincentivetoorfireemployeesbeforethatDec.15date.

A.laydown

B.layoff

C.layaside

D.layout

27、Joshgraduatedwithhismaster'sdegreeinspacestudiesandplanetarysciences,butafter

yearsofworkingoddjobsandbarely,hedecidedtogobacktogethisteachinglicerse。

A.puttingonthebackburner

B.breakingnewground

C.makingendsmeet

0.provinghismettle

28、年度决算时，若结转科H不是同一级科FI的则生成上级科H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

29、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17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15天执行中

30、2012年GDP增速目标为（）；全年CPI控制在4%。

A.7.5%

B.7.8%

C.7.6%

D.8%

31、在Word2003中，要选择•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.Ctrl

B.Shift

C.AIt

D.Del

32、甲乙两人相约同时从AB两地相向而行，10个小时后相遇。但实际上甲先从A地出发，

2个小时后乙才出发，乙出发60分钟后，双方之间的距离是两人走过的距离的三倍。已知

甲比乙每小时多走10公里，则AB两地之间的距离是多少公里？（）

A.200

B.100

C.250

D.150

33、资料：Inasurvey,peoplewereaskedtochoosebetweentreatmentstosave600peoplefrom

dyingadisease.

Participantsjncludingphysicians,wereaskedtochoosebetweenacertainoutcomethat200

peoplewillbesavedandariskychoicewherethereisaone-thirdprobabilitythat600peoplewill

besavedandatwo-thirdsprobabilitythatnopeoplewillbesaved.

Inasecondexample,thegroupwereaskedtochoosebetv/eenallowing400peopletodieora

one-thirdprobablythatnobodywilldieandtwo-thirdsprobabilitythat600peoplewilldie.

Inbothexamples,thefirstchoiceshaveanidenticaloutcomeasdotheirsecondalternatives.But

facedwithsuchagravechoicepeopledidnotspotthesimilarities.Inthefirstexamplepeople

optedtosave200peopleoverthegambleoflosingpeopleandinthesecondexamplepeople

preferredthegambleoverthecertainoutcomeofkilling400people.

Whattheexperimentshowsisthatwordingcanhavepotentiallydangerousconsequences.Most

ofpeopletendtofeellossesmuchmorestronglythanthepleasureofmakingacomparablegain.

Inthesecondexample,morepeoplechoosetheoption（）?

A.withaone-thirdprobabilitythatnobodywilldie

B.withatwo-thirdsprobabilitythatnobodywillbesaved

C.allowing400peopletodie

D.that200peoplewillbesaved

、用支出法核算正确的公式是（

34GDP）o

A.GDP=消费支出+投资+政府购买+（出口.进口）

B.GDP=消费支出+投资+政府购买+（出口-进口）+转移支付

C.GDP=工资+利息+利涧+租金+间接税和企'也转移支付+折旧

D.GDP=工资+利息+利涧+租金+直接税和企业转移支付+折旧

35Passage6

Firsttwohours,nowthreehours—thisishowfarinadvanceauthoritiesarerecommending

peopleshowuptocatchadomesticflight,atleastatsomemajorU.S.airportswithincreasingly

massivesecuritylines.

Americansarewillingtotoleratetime-consumingsecurryprotocolsinreturnforincreased

safety.ThecrashofEgyptAirFlight804,whichterroristsmayhavedownedoverthe

MediterraneanSea,providesanothertragicreminderofwhy.Butdemandingtoomuchofair

travelersorprovidingtoolittlesecurityinreturnunderminespublicsupportfortheprocess.And

itshould:WastedtimeisadragonAmericans'economicandprivatelives,nottomention

infuriating.

Lastyear,theTransportationSecurityAdministration（TSA）foundinasecretcheckthat

undercoverinvestigatorswereabletosneakweapons-bothfakeandreal-pastairportsecurity

nearlyeverytimetheytried.Enhancedsecuritymeasuressincethen,combinedwitharisein

airlinetravelduetotheimprovingeconomyandlowoilprices,haveresultedinlongwaitsat

majorairportssuchasChicago'sO'Harelnternational.ltisnotyetclearhowmuchmoreeffective

airlinesecurityhasbecome—butthelinesareobvious.

Partoftheissueisthatthegovernmentdidnotanticipatethesteepincreaseinairlinetravel,so

theTSAisnowrushingtogetnewscreenersontheline.Partoftheissueisthatairportshaveonly

somuchroomforscreeninglanes.Anotherfactormaybethatmorepeoplearetryingtoove-pack

theircarry-onbagstoavoidchecked-baggagefees,thoughtheairlinesstronglydisputethis.

ThereisonesteptheTSAcouldtakethatwouldnotrequireremodelingairportsorrushingto

hire:EnrollmorepeopleinthePreCheckprogram.PreCheckissupposedtobeawin-winfor

travelersandtheTSAPassengerswhopassabackgroundcheckareeligibleto

use?expedited?screeninglanes.ThisallowstheTSAtofocusontravelerswhoarehigher

risk,savingtimeforeveryoneinvolved.TSAwantstoenroll25millionpeopleinPreCheck.

Ithasnotgottenanywhereclosetothat,andonebigreasonisstickershock:Passengersmust

pay$85everyfiveyearstoprocesstheirbackgroundchecksSincethebeginning,thispricetaghas

beenPreCheck'sfatalflaw.Upcomingreformsmightbringthepricetoamorereasonable

level.ButCongressshouldlookintodoingsodirectly,byhelpingtofinancePreCheckenrollment

ortocutcostsinotherways.

TheTSAcannotcontinuecivertingresourcesintounderusedPreChecklaneswhilemostofthe

travelingpublicsuffersinunnecessarylines.ltislongpasttimetomaketheprogramwork.

OneproblemwiththePreCheckprogramis（）.

A.adramaticreductionofitsscale

B.itswrongly-directedimplementation

C.thegovernment'sreluctancetobackit

D.anunreasonablepriceforenrollment

36、国务院扶贫办消息，改革开放40年来，中国有（）多贫困人口成功脱贫，占同期

全球减贫人口总数（）以上。

A.5亿60%

B.6亿60%

C.7亿60%

D.7亿70%

37、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

38、政府的财政收入政策通过（）因素对国民收入产生影响.

A.政府转移支付

B.政府购买

C.消费支出

D.出口

39、Passage3

Dinnercustomsaredifferentaroundtheworld.IfyouareadinnerguestinGhana,this

informationwillhelpyoualot.

InGhanadinnerisusuallyfromfourintheafternoontosixintheevening.Buttherearenostrict

rulesabouttime.Wheneveraguestarrives,afamilyoffersfood.Whenyougotoahome,the

personwhoreceivesgueststakesyoutothelivingroomfirst.Atthistimeeveryonewelcomes

you.Thenyougotothediningroom.Thereyouwashyourhandsinabowlofwater.AlIthefoodis

onthetable.

InGhanayouusuallyeatwithyourfingers.Youeatfromthesamedishaseveryoneelse.Butyou

eatfromonesideofthedishonly.ltisnotpolitetogetfoodfromtheothersideofthedish.After

dinner,youwashyourhandsagaininabowlofwater.

MostmealsinGhanahaveadishcalledfufu.PeopleinGhanamakefufufromthepowderof

someplants.Sometimestheycutthefufuwithasawbecauseitisveryhard.Youmustchewfufu

well,oryoumaygetsick.Youeatfufuwiththefingersofyourrighthandonly.

Infact,mostdishesinGhana().

A.arecookedwiththepowderofsomeplants

B.havefufuinthem

C.aretoohardtoeat

D.areveryhard

40、资料：Economicperformanceisimprovinginmostoftheworld'sleadingeconomiesbutisstill

shortofaself-sustainingupswing,theOrganizationforEconomicCooperationandDevelopment

saidonWednesday.

Inanupdatetoitseconomicforecasts,theParis-basedinternationalorganisationrepresenting

advancedeconomiessaidthatmoreprivatesectorinvestmentwasneededfortheexpansionto

endure,forwagestorisesustainabilityandforinequalitiestobetackled.

Althoughallleadingeconomiesarenowrecordingpositivegrowth,CatherineMann,theOECD's

chiefeconomist,urgedgovernmentsto“curbyourenthusiasm[because]strongandsustained

medium-termglobalgrowthisnotyetsecured".

TheOECD'seconomicoutlookshowsupgradestothe2017growthforecastsinChina,Russiaand

EuropeexcludingtheUKwiththeworldoutlookalsoappearingstrongerin2018.

Worldgrowthshouldrisefromalowof3.1percentin2016,to3.5percentthisyearand3.7per

centin2018,theOECDforecast,withtheUS,theEurozone,BrazilandRussiacontributingmost

totheimprovedglobaloutbok.

China'spredictedgrowthrateof6.8percentin2017and6.6percentin2018hasbeenrevised

higherby0.2percentagepointsinbothyearsandalthoughIndia'sgrowthratehasbeenrevised

down,reflectingadjustmenttoitsnewgoodsandservicestax,itislikelytoremainthefastest

growinglargeeconomyintheworld.

OnlytheUK,whichremainsembroiledinBrexitnegotiations,hasadeterioratingoutlook.

RespondingtotheOECD'sforecastthattheBritisheconomywillbetheslowestgrowinginthe

GroupofSevenin2018havingbeennearthetopoftheleaguetablein2016,theBritishTreasury

saiditwasnotcomplacent.

Whichcountryisnotagreatcontributortotheimprovedeconomicoutlook?

A.Russian

B.UK

C.Brazil

D.US

41、国务院总理温家宝2012年3月5日向十一届全国人大五次会议作政府工作报告时提出，

2012年中央财政已按全国财政性教育经费支出占国内生产总值的（）编制预算，地方财玫

也要相应安排，确保实现这一目标。这意味着该目标自1993年提出以来我国有望首次实现

这一承诺。

A.3%

B.4%

C.2.8%

D3.5%

42、Weshouldthinklongtermandtakemeasures.

A.primitive

B.productive

C.permissive

0.proactive

43、Theteachingbuildingwasnamedthepersonwhodonatedmoneyforit.

A.with

B.after

C.by

D.from

44、在我国加入WT。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、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

46、资料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersare

implementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPolland

commissionedbytheCTIA.

Thesurveywasapartofthecompany'songoingeffortstoboostusereducationonthepitfallsof

mobilesecurityandassesswhethertheCTIA'sinitiativesareworking.

ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforth

andhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:

MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform

2012.

Anincreasingnumberofsmartphoneusershaveinstelledbuilt-inremotelock-and-erase

software.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upan

astoundingfrom2015andfrom2012.

Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware,of

smartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphone

ownersin2015,accordingtoBlIntelligence.

Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedby

theincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,but

alsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguard

themselvesinlightofanumber