中国建设银行综合类招聘笔试试题

---万户，增长8.01％。2001年底，民营企业的从业人员为2713.86万人，比上年同期增加307.87万人，增长12.77％，其中投资者人数460.83万人，增加65.49万人，增长16.56％，雇工人数2253.03万人，增加241.88万人，增长12.03％。注册资本18212.24亿元，比上年同期增加．4904.55亿元，增长36.86％。2001年，新开业民营企业达52.94万户，比上年同期增加8.12万户，增长18.12％；从业人员622.47万人，比上年同期增加71.63万人，增长13％，其中投资者人数118.56万人，增长10.66％，雇工人数503．91万人，增长13.57％；注册资金4796.90亿元，比上年同期增加1338．82亿元，增长38.72％。从各省份看，民营企业户数最多的是江苏省22.55万户，其次是广东省21.1万户，浙江省20.88万户，上海市17.64万户，山东省14.47万户，北京市12.41万户，以上6省市共有109.05万户，占民营企业总户数的53.76％。从地区分布情况看，东部地区共有民营企业138.79万户，占民营企业总户数的68.42％，比上年减少0.04个百分点；中部地区民营企业36.02万户，占民营企业总户数的17.76％，比上年减少0.38个百分点；西部地区民营企业28.05万户，占民营企业总户数的13.83％，比上年增加0.42个百分点。2001年，中国民营企业共创产值12816.99亿元，比上年同期增加1577.21亿元，增长14.69％；实现销售总额11484.24亿元，比上年增加1600.18亿元，增长16.19Z；社会消费品零售额6245亿元，比上年增加431.52亿元，增长7.42％。从资本占用、从业人数和产出总量等方面来看，私营个体经济在国民经济中的份额大体在10—20％之间，已经成为国民经济中一个不可忽视的重要组成部分。6.2001年底，我国民营企业的总户数约比2000年底增长了（）。A．15.14％B．13.15％C．18.97％D.20.16％2000年开业的民营企业吸收的雇工人数约为（）。A.443.7万人B.492.6万人C.503.9万人D.522.4万人2001年底，我国民营企业户数超过20万户的省份有（）。A.2个B.3个C.4个D.5个已知1989年中国民营企业的平均注册资本为9万元，则可知截止2001年底，中国民营企业的平均注册资本约为1989年的（）。A.5倍B.10倍C.15倍D.20倍根据上述资料，下列说法不正确的是（）。A.2000年底，我国民营企业的投资者人数约为：395.34万人B.广东、浙江两省的民营企业户数已超过全国民营企业总数的五分之一2001年底东部地区的民营企业户数与2000年底相比略有下降2000年，我国民营企业实现的销售总额不足10000亿元六、英语能力考核资料1：Whilestillinitsearlystages,welfarereformhasalreadybeenjudgedagreatsuccessinmanystates—atleastingettingpeopleoffwelfare.It’sestimatedthatmorethan2millionpeoplehavelefttherollssince1994.Inthepastfouryears,welfarerollsinAthensCountryhavebeencutinhalf.But70percentofthepeoplewholeftinthepasttwoyearstookjobsthatpaidlessthan$6anhour.Theresult:TheAthensCountypovertyratestillremainsatmorethan30percent—twicethenationalaverage.Foradvocates（代言人）forthepoor,that'sanindicationmuchmoreneedstobedone.“Morepeoplearegettingjobs,butit’snotmakingtheirlivesanybetter,”saysKathyLairn,apolicyanalystattheCenteronBudgetandPolicyPrioritiesinWashington.AcenteranalysisofUSCensusdatanationwidefoundthatbetween1995and1996,agreaterpercentageofsingle,female-headedhouseholdswereearningmoneyontheirown,butthataverageincomeforthesehouseholdsactuallywentdown.Butformany,thefactthatpoorpeopleareabletosupportthemselvesalmostaswellwithoutgovernmentaidastheydidwithitisinitselfahugevictory.“Welfarewasapoison.Itwasatoxin（毒素）thatwaspoisoningthefamily,”saysRobertRector,awelfare-reformpolicyanalyst.“Thereforminchangingthemoralclimateinlow-incomecommunities.It’sbeginningtorebuildtheworkethic（道德观），whichismuchmoreimportant.”Mr.Rectorandothersarguedthatonce“thehabitofdependencyiscracked,”thenthecountrycanmakeotherpolicychangesaimedatimprovinglivingstandards.Fromthepassage,itcanbeseenthattheauthor.believesthereformhasreducedthegovernment’sburdeninsiststhatwelfarereformisdoinglittlegoodforthepoorisoverenthusiasticaboutthesuccessofwelfarereformconsiderswelfarereformtobefundamentallysuccessfulWhyaren’tpeopleenjoyingbetterliveswhentheyhavejobs?Becausemanyfamiliesaredivorced.Becausegovernmentaidisnowrare.Becausetheirwagesarelow.Becausethecostoflivingisrising.WhatisworthnotingfromtheexampleofAthensCountyisthat.greatereffortsshouldbemadetoimprovepeople’slivingstandards70percentofthepeopletherehavebeenemployedfortwoyears50percentofthepopulationnolongerreliesonwelfarethelivingstandardsofmostpeoplearegoingdownFromthepassageweknowthatwelfarereformaimsat.savingwelfarefundsrebuildingtheworkethicprovidingmorejobscuttinggovernmentexpensesAccordingtothepassagebeforethewelfarereformwascarriedout,.thepovertyratewasloveraveragelivingstandardswerehighertheaverageworkerwaspaidhigherwagesthepoorusedtorelyongovernmentaid资料2：Humanityusesalittlelessthanhalfthewateravailableworldwide.Yetoccurrencesofshortagesanddroughts（干旱）arecausingfamineanddistressinsomeareas,andindustrialandagriculturalby-productsarepollutingwatersupplies.Sincetheworld’populationisexpectedtodoubleinthenext50years,manyexpertsthinkweareontheedgeofawidespreadwatercrisis.Butthatdoesn’thavetobetheoutcome.Watershortagesdonothavetotroubletheworld—ifwestartvaluingwatermorethanwehaveinthepast.Justaswebegantoappreciatepetroleummoreafterthe1970soilcrises,todaywemuststartlookingatwaterfromafresheconomicperspective.Wecannolongeraffordtoconsiderwateravirtuallyfreeresourceofwhichwecanuseasmuchaswelikeinanywaywewant.Instead,forallusesexceptthedomesticdemandofthepoor,governmentsshouldpricewatertoreflectitsactualvalue.Thismeanschargingafeeforthewateritselfaswellasforthesupplycosts.Governmentsshouldalsoprotectthisresourcebyprovidingwaterinmoreeconomicallyandenvironmentallysoundways.Forexample.oftenthecheapestwaytoprovideirrigation（灌溉）waterinthedrytropicsisthroughsmall-scaleprojects,suchasgatheringrainfallindepressions（凹地）andpumpingittonearbycropland.Nomatterwhatstepsgovernmentstaketoprovidewatermoreefficiently,theymustchangetheirinstitutionalandlegalapproachestowatersue.Ratherthanspreadcontrolamonghundredsoreventhousandsoflocal,regional,andnationalagenciesthatwatchvariousaspectsofwateruse,countriesshouldsetupcentralauthoritiestocoordinatewaterpolicy.Whatistherealcauseofthepotentialwatercrisis?Theworldpopulationisincreasingfasterandfaster.Halfoftheworld’swaterresourceshavebeenseriouslypolluted.Humanityhasnotplacedsufficientvalueonwaterresources.Onlyhalfoftheworld’swatercanbeused.Asindicatedinthepassage,thewaterproblem.hasbeenexaggeratedbysomeexpertsinthefieldisunderestimatedbygovernmentorganizationsatdifferentlevelsposesachallengetothetechnologyofbuildingreservoirsisalreadyseriousincertainpartsoftheworldAccordingtotheauthor,thewaterpriceshould.correspondtoitsrealvaluebereducedtotheminimumstimulatedomesticdemandtakeintoaccounttheoccurrencesofdroughtsTheauthorsaysthatinsomehotanddryareasitisadvisableto.buildbiglakestostorewaterconstructbigpumpingstationschannelwaterfromnearbyriverstocroplandbuildsmallandcheapirrigationsystemsInordertoraisetheefficiencyofthewatersupply,measuresshouldbetakento.centralizethemanagementofwaterresourcesincreasethesenseofresponsibilityofagenciesatalllevelsguaranteefullprotectionoftheenvironmentencouragelocalandregionalcontrolofwaterresources资料3PresidentArlinghasputhislong-awaitedeconomicrestructuringprogrambeforetheCongress.Itprovidesacoordinatedprogramofinvestmentcredits,researchgrants,educationalreforms,andtaxchangesdesignedtomakeAmericanindustrymorecompetitive.Thisisnecessarytoreversetheeconomicslideintounemployment,lackofgrowth,andtradedeficitsthathaveplaguedtheeconomyforthepastsixyears.ThemostliberalwingofthePresident'spartyhascalledforstrongerandmoredirectaction.TheywantanincomespolicytocheckinflationwhileFederalfinancinghelpsrebuildindustrybehindawallofprotectivetariffs.TheRepublicans,however,decryeventhemodest,graduatedtaxincreasesinthePresident'sprogram.TheyWanttaxcutsandamoreopenmarket.TheysayifFederalmoneyhastobeinjectedintotheeconomy,letitthroughdefencespending.Boththesealternativesignoretheuniquenatureoftheeconomicproblembeforeus.Itisnotsimplyamatterofmarketsorfinancing.Thenewtechnologyallowsvastlyincreasedproductionforthoseabletomasterit.Butitalsothreatensthosewhofailtoadoptitwithpermanentsecond-classcitizenshipintheworldeconomy.Ifanindustrycannotleveritselfuptotheleadingstageoftechnologicaladvances,thenitwillnotbeabletocompeteeffectively.Ifitcannotdothis,noamountofgovernmentprotectionismoraccesstoforeignmarketscankeepitprofitableforlong.Withouttheprofitsandexperienceoftechnologicalexcellencetoreinvest,thatindustrycanonlyfallstillfurtherbehinditsforeigncompetitors.SothecruxisthetechnologyandthatiswherethePresident'sprogramfocused.Thedangerisnotthataplanwillnotbepassed,itisthattheideologuesofrightandleftwilldistortthebillwithamendmentsthatwillbluritsfocusontechnology.Theeconomicrestructuringplanshouldbepassedintact.Ifwefailtorestructureoureconomynow,wemaynotgetasecondchance.ThefocusofthePresident'sprogramison.A.investmentB.economyC.technologyD.taxWhatistherequirementofthemostliberalwingoftheDemocraticParty?Theywantamoredirectaction.Theywantanincomespolicytocheckinflation.Theywanttorebuildindustry.Theywantawallofprotectivetariffs.Whatistheeditor'sattitude?A.Support.B.Distaste.C.Disapproval.D.Compromise.Thedangertotheplanliesin.thetwoparties'objectiondifferentideasofthetwopartiesabouttheplanitspassagedistortionThepassageis.A.areviewB.aprefaceC.anadvertisementD.aneditorial资料4：HenryFord,thefamousU.S.inventorandcarmanufacturer,oncesaid,‘ThebusinessofAmericaisbusiness.”BythishemeantthattheU.S.wayoflifeisbasedonthevaluesofthebusinessworld.FewwouldarguewithFord’sstatement.AbriefglimpseatadailynewspapervividlyshowshowmuchpeopleintheUnitedStatesthinkaboutbusiness.Forexample,nearlyeverynewspaperhasabusinesssection,inwhichthedealsandprojects,financesandmanagement,stockpricesandlaborproblemsofcorporationsarereporteddaily.Inaddition,businessnewscanappearineveryothersection.Mostnationalnewshasanimportantfinancialaspecttoit.Welfare,foreignaid,thefederalbudget,andthepoliciesoftheFederalReserveBankareallheavilyaffectedbybusiness.Moreover,businessnewsappearsinsomeoftheunlikeliestplaces.Theworldofartsandentertainmentisoftenreferredtoas“theentertainmentindustry”or“showbusiness.”ThepositivesideofHenryFord’sstatementcanbeseenintheprosperitythatbusinesshasbroughttoU.S.life.OneofthemostimportantreasonssomanypeoplefromallovertheworldcometoliveintheUnitedStatesisthedreamofabetterjob.Jobsareproducedinabundance（大量地）becausetheU.S.economicsystemisdrivenbycompetition.Peoplebelievethatthissystemcreatesmorewealth,morejobs,andamateriallybetterwayoflife.ThenegativesideofHenryFord’sstatement,however,canbeseenwhenthewordbusinessistakentomeanbigbusiness.Andthetermbigbusiness—referringtothebiggestcompanies,isseeninoppositiontolabor.ThroughoutU.S.historyworkingpeoplehavehadtofighthardforhigherwages,betterworkingconditions,andtherighttoformunions.Today,manyoftheoldlabordisputesareover,butthereisstillsomeemployeeanxiety.Downsizing—thelayingoffofthousandsofworkerstokeepexpenseslowandprofitshigh--createsfeelingsofinsecurityformany.TheUnitedStatesisatypicalcountry.whichencouragesfreetradeathomesandabroadwherepeople’schiefconcernishowtomakemoneywhereallbusinessesaremanagedscientificallywhichnormallyworksaccordingtothefederalbudgetTheinfluenceofbusinessintheU.S.isevidencedbythefactthat.mostnewspapersarerunbybigbusinessesevenpublicorganizationsconcentrateonworkingforprofitsAmericansofallprofessionsknowhowtodobusinessevenartsandentertainmentareregardedasbusinessAccordingtothepassage,immigrantschoosetosettleintheU.S.,dreamingthat.theycanstartprofitablebusinessestheretheycanbemorecompetitiveinbusinesstheywillmakeafortuneovernighttheretheywillfindbetterchancesofemploymentHenryFord’sstatementscanbetakennegativelybecause.workingpeoplearediscouragedtofightfortheirrightstherearemanyindustriescontrolledbyafewbigcapitaliststhereisaconflictingrelationshipbetweenbigcorporationsandlaborpublicservicesarenotrunbythefederalgovernmentAcompany’seffortstokeepexpenseslowandprofitshighmayresultin.reductioninthenumberofemployeesimprovementofworkingconditionsfewerdisputesbetweenlaborandmanagementariseinworkers’wages七、专业知识考核题（不定向选择）1．（）是指不论借贷期限的长短，仅按本金计算利息，上期本金所产生的利息不计入下期本金重复计算利息。A.单利B.复制C.单利与复利结合D.利滚利市场上需要某种产品的人数和该产品人均需求量的乘积即是市场上该产品的（）。A.总需求B.有效需求C.无效需求D.潜在需求具有维护国家主权、保护民族经济、促进对外贸易发展功能的税种是（）。A.营业税B.增值税C.关税D.房产税以经济活动中书立、领受的凭证为征税对象的税种是（）。A.营业税B.关税C.企业所得税D.印花税6．我国第一家中国人自办的银行为（）。A.丽如银行B.交通银行C.北海银行D.中国通商银行货币制度最基本的内容是规定（）。A.货币材料B.货币名称C.货币单位D.价格标准根据《中华人民共和国民事诉讼法》的规定，下列关于公示催告程序的表述中，正确的是（）。公示催告期间最短不得少于90日在公示催告期间，转让票据权利的行为无效公示催告案件由票据持有人所在地的基层人民法院管辖公示催告申请人申请人民法院做出除权判决的，应自申报权利期间届满的次日起1年内提出《中华人民共和国合同法》采用的违约责任的归责原则是（）。A.严格责任原则B.经济合理原则C.诚实信用原则D.全面履行原则TOC\o"1-5"\h\z无差异曲线为直角形状时，表示两种商品是（）。A.互不相关的关系B.完全替代的关系C.部分替代的关系D.完全互补的关系根据《中华人民共和国民