浦发银行2016年招聘考试笔试试卷及答案解析

2016第一部分言语理解与表达完成陈述。你的选择应与所提要求最相符合。请开始答题：2014A.秘而不宣B.不谋而合B。不谋而合B。而是农民工供不应求。A.源源不断B.应有尽有A。源源不断源不断”适用于高校十几年间不断为制造业和高科技行业提供劳动力，故本题答案为A。早环境问题上，我们所面临的困境不是由于我们，而是我们尽力做了，但却无法遏制环能力。A.无所顾忌B.无所不为【答案】D。无所作为解析：“无所顾忌”指没有什么顾虑、畏惧。“无所不为”指什么坏事都干。“无所事事”D。关于如何有效解释两次世界大战的起源和暴行产生的机制，战争史家一直感到。他们发源问题并非历史学专业所能解释。A.尴尬谬论困惑悖论犹豫矛盾沮丧误解【答案】B。困惑悖论A、D。第二空，“悖论”可以同时出现几个，而“矛盾”只能是对立统一的双方。由“迭出”B。预循环是一种更环保的生活方式，指通过购入会产生垃圾的家庭或商业物品来减少垃圾数量的行为，可循环的垃圾经过处理后可以 别的功效，可是处理这些可循环物质也是要消耗能源并产生垃圾的，所以更环保的方式是尽量少用会产生垃圾的物品。避免发挥B.杜绝具备C.放弃衍生D.禁止实现【答案】A。避免发挥C。再看第一空，“购入会A。在美国这样的商业社会里，无论他们抛出了多少关乎人文、情怀、精神的辞藻，几乎所有也不这些公司和这些人缔造一个伟大的时代。自始至终影响归根结底妨碍无庸讳言干扰理所当然排斥【答案】B。归根结底 妨碍意”观念和“这些公司和这些人缔造一个伟大的时代”之间，排除D项。“干扰”的意思CB。法律的制定有一个严格程序，理论上也是民意的显示。不能再一时情况下因为民意就改，这会破坏法律的性。如果开了口子，以后大家，那就连法律都不要了。A.连贯一哄而起严肃一如既往客观众口一辞公正一唱百和【答案】A。连贯一哄而起A。很多保健品在研发时并未做过调查，并不知道哪种营养素是大家普遍缺乏的。服用未经这样的调查就开发出来的保健品，对消费者来说完全是一种。A.严格误导科学浪费跟踪欺骗实地伤害【答案】B。科学浪费切，故本题答案为B。祖宗。甲骨文已相当，如果认为仰韶文化、龙山文化的图形符号是汉字的雏形，那么它们与甲骨文之间，应该还存在一个的环节。A.成熟过渡规范关联优美补充完善缓冲【答案】A。成熟 过渡文化的图形符号”经过某个环节进一步演变为“甲骨文”的过程，故本题答案为A。中外合拍片对中方和好莱坞电影工厂均有好处，但是由于存在文化环境和审美趣味的差异，中国元素很难真正与好莱坞电影。为了照顾全球影迷的欣赏口味，好莱坞电影只能减少中国元素的分量，因此，仅针对中国内地市场的“中国特供版”便。A.契合粉墨登场协调东山再起匹配大行其道融合应运而生【答案】D。融合 应运而生DD。11近代中外历史告诉我们，群众的民主权力就像一切个****力一样，当它没有受到 的宪政约束时，很容易转变为它的反面，成为一种暴虐的权力。A.严格嗤之以鼻B.良好讳莫如深C.恰当忧心忡忡D.普遍谈虎色变【答案】C。恰当忧心忡忡A。“讳莫如深”原指事件重大，讳而不言。后指把事情隐瞒得很深。与句意不符，排除B。“谈虎色变”填D。故本题答案为C。以鸟类迁徙为话题的纪录片《迁徙的鸟》向我们完美展示了一个自然界的奇迹，虽然大部分地表被人类改造得，但在天空中鸟儿仍然是主角。无论雪鹅、野鸭还是云雀，都自有尊严。我们需要与自然界和平相处。因为人类不可能地生活在这个地球上。导演雅克贝汉如是说。面目全非孤单支离破碎傲慢元气大伤自私体无完肤麻木【答案】A。面目全非 孤单解析第空元大通指的体神态这形地恰当排除C。第二空，由“我们需要与自然界和平相处，因为人类不可能 地生活在这个地球上”存和谐相处，“孤单”符合文意，当选。故本题答案为A。总有一天，我们也许将切实探索地球上大洋深处的每一寸土地，以及的原始森林，却很可类无法到达的。A.人迹罕至禁区郁郁葱葱深渊一望无际绝境神秘莫测彼岸【答案】A。人迹罕至 禁区A。信用问题本质上是一个制度问题，信用使人们为了获得长远利益而愿意牺牲眼前利益。一个人的最优行为与他的生命预期有关，生命预期越长，他的行为就越，就越愿意坚持自主动履行规范兑现明确遵守一致尊重【答案】B。规范兑现固定搭配。故正确答案为B英语目前是世界上不同语言群体之间进行交流的主要方式，这种交流是文化间的知识交流，它的是存在着相互分离的文化。换句话说，作为通用语言的英语是处理语言差异和文化差异的方式，而不是它们的方式。A.表现同化特征隔绝基础统一前提消灭【答案】D。前提消灭决条件是存在相互分离的文化，因此横线处填入“前提”最为合适。第二空，由文段可知，D。第二部分数学能力选项中选出你认为最合理的一项来填补空缺项。22791620()A.28 B.29 C.30 D.31【答案】B1-3339()A.28 B.36 C.45 D.52【答案】C259193775()A.140 B.142 C.146 D.149【答案】D63513263()A.-36 B.-37 C.-38 D.-39【 答 案 】 B 第 一 项 第 二 项 - 第 三 项 = 第 四 项63-5=13,35-13=2,513-2=63,132-63=（-37）3 1 1 3 12，21

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17【答案】A请开始答题：案。A市到B2月最后一天是星期三，问当年从ABA.星期一B.星期二C.星期三31日为星期一，故选A。A90B5:610点半出10402千米/小时?A.10B.12C.12.5D.15D。155:6，因此两车从AB6:5，乙比10212×=7515环形跑道长400米，老张、小王、小刘从同一地点同向出发、围绕跑道分别慢走、跑步小刘已经超越了小王多少次?A.3B.4C.5D.6【答案】B。4×3÷400=4.5294112劳动?A.70B.80C.85A。701、2、35:4:15+4+1=10C、D。设总人数为AA+=112A=70A。332A.11B.15C.18A。1131011玻璃球的颜色组合一致。某市电价为一个自然月内用电量在100度以内的每度电0.5101度到200度之120123702A.300B.420C.480C。480解析：要使用电量最少，则应让用的超过200度的电尽可能多，则两个用电少的月份用电4x=480。1/5为铅，3/1为铜，镍的产量是铜和铝的1/4600A.800B.600C.1000D.1200【答案】A。6001600600药厂使用电动研磨器将一批晒干的中药磨成药粉。厂长决定从上午10点开始，增加若863A20B24C26D32C。26a220-10=108a=22工作量为(22+2)×10=240，现在希望下午三点完成，所需时间为15-10=5小时，共需要240÷5=4848-22=26台，选择C。14、某单位组织参加理论学习的党员和入党积极分子进行分组讨论，如果每组分配7名党34522A、16B、20C、24D、28B。20xy组，列方程组7x+4=5y+2；3x=2y，解x=4，y=63212B。6214+6)×2+4=4414×2+4=326×2=1232-12=2015、一个圆形的草地中央有一个与之同心的圆形花坛，在花坛圆周和草地圆周上各有3个管连通，问最少需要几根水管?(一根水管上可以连接多个喷头)A5B8C20D30【答案】B。88成2秒裂成4…果始放两菌要瓶充细少需 秒A58B59C60D61B。592个细菌，相当于11秒达到的数量，所以要使瓶中充满细菌最少需要：60-1=59（秒）；5959．多久相聚在起跑线A3B6C1D2【答案】B。61,2,3的最小公倍数：645043.75该单位在引进人才之前有多少名职工?A.28 B.32 C.36 D.44【答案】A4，结合选项AB1/214/28,7/16=14/32，所以之2862×3×4部分的体积是挖出长方体体积的多少倍?A.5 B.6 C.8 D.953.【答案】C6x6x6=2162x3x4=24，所以剩下的部分体积死挖出的长方体体积的（216-24）÷248的时间，顺利航行了240千米，逆流航行了140千米。求水流速度是多少千米/小时?A.12 B.16 C.20 D.24【答案】C解析：假设顺水速度为ab420÷a+80÷b11；240÷a+140÷baabbA（顺水-逆水）÷2（6020）÷220。第三部分判断推理一、图形推理。1.【答案】A类推。2.【答案】CC3.【答案】BB。4.【答案】C解析：每个图形都有五个交点。5.【答案】A解析：通过展开图AA。用电产生重大的促进作用。以下哪项如果为真，最能支持上述人事的观点?A.该市居民用电量平均水平高于其他城市B.该市用电中高能耗企业占据了大部分份额C.有居民抱怨阶梯电价中，“一档”基数电量过少D.居民用电中的浪费用电主要是电价偏低造成的【答案】D低，现在费用升高就可以使浪费减少。体内缺钙的状况。因此有人认为，可以通过食用钙片来资料颈椎病。以下哪项最有可能是上述观点依赖的假设?A.在食用钙片的过程中不会产生副作用颈椎病患者体内钙的缺乏量不会因为其他原因而有太大的变化D.钙的缺乏是导致颈椎病的原因，而不是颈椎病引起的结果【答案】D病，而不是颈椎病导致了缺钙。术论文。由此可以推出，近两年：A.12B.12C.1212【答案】C126012，所以能15、18、21、2415时，总论文数为25，教师最多能有18则可以满足没有教授去上课。所以C曾经有一个流行的看法，认为菠菜的含铁量极高，但是最近有检测表明，实际上蔬菜的含以下哪项如果为真，最能支持上述断定?A.前后矛盾的信息使得人们无所适从一部分人对富含铁元素的食物有特别的爱好许多人爱吃菠菜的原因仅仅是因为菠菜的含铁量高【答案】B不喜欢吃的人也会吃。小明、小强、小虎去中国古动物园馆参观，一进恐龙馆展区，他们就看到一个高大的恐人的两个判断都对。一人的两个判断一对一错，还有一人全错了。根据以上陈述，可以得出他们看到的恐龙骨骼属于哪种恐龙?A.角龙甲龙剑龙无法确定【答案】B全对或者小明全对均不满足设定。所以答案是甲龙。为了加强公司的知识产权保护，某饮品生产公司打算和其员工签署一项协议，该协议规后两年内重新就业的机会。以下哪项是上述八位员工基本观点的假设?A.上述八位员工离职后需要立即就业上述八位员工在离职后两年内只能从事饮品行业的工作研发部门的薪金超过公司员工的平均水平，补贴两万元对他们不公平【答案】B年内重新就业的机会即指他们在离职后的就业工作为饮品行业工作。答案为B。一个动物保护组织正在设法改变人们对乌鸦的偏见，该组织认为乌鸦之所以受到人们的厌恶是因为其黑色的外表，他们指出，通过基因改造，可以让乌鸦批上洁白的外衣。以下哪项如果为真，最能质疑该组织的看法?A.基因改造后，乌鸦就不再是乌鸦乌鸦可以消灭害虫，它其实是人类的朋友有人认为乌鸦是腐肉是其令人厌恶的原因之一黑百灵是一种通体黑色的小鸣禽，它深受人们的喜爱【答案】A令人反感仍然是改变不了人们对于原来乌鸦的不好看法的。所以A选项最能质疑，是从本质上说明乌鸦的基因改变就不在是乌鸦了，而人们对于原来乌鸦的看法是不会改变的。由于邮费的不断上涨，某杂志计划通过把其每年出版的期刊数量减半来最大化其利润，润下降。以下哪项如果为真，最能支持这些人的观点?A.该杂志的生产成本在未来仍保持不变B.大部分在该杂志上购买广告篇幅的广告上会在每期杂志上花费和以前一样多的资金1/3减少【答案】B变的情况下，就会导致杂志的年广告费减少，所以会让杂志利润减少。第四部分资料分析分析、比较、计算和判断推理。请开始答题：一、 根据以下资料，回答1-5题。2013年1～2月，全国公民财政收入(由中央财政收入与地方财政收入构成)22426亿元，比去年同期增加1508亿元。其中，中央财政收入10779亿元，同比增长1.6%;而受股市成交额增加的影响，1～28171.7%。20131～26348.5334941414.1%。主要是房地产市场成交额增加带动房地产营业税相应增47931.4%。1～251542.14877%。20121～2A.47亿元 B.58亿元 C.4.7万亿元 D.5.8万亿元81亿，增长率72%。可以求到2012年1—2月证券交易税为81÷（1+72%）=47亿。20121—21‰=47×1000=47000=4.7万亿元，选C20131～2土地增值税契税城市维护建设税房地产企业所得税税515×42.1%÷（1+42.1%），契税487×31.6%÷（1+31.6%），城市维护建设税增后量大且增产率大则值更大。选A20131～2A.39.7%B.48.1%C.51.9%D.60.3%【答案】C。解析：求地方财政收入占全国公共财政收入的比重。地方财政收入11647÷22426×100%=51.9C根据中央和地方预算草案的安排，2013年全国公共财政收入为126630亿元，问20133～12A.8684 B.10420 C.10553 D.12663【答案】B。解析：平均数计算，（126630-22426）/10=10420.5.关于各项财政收入，下列说法与资料相符的是：20131～220131～2150420131～2【答案】D。20131~21164710779.地方的超过了中央的。中央财政收入的增量率为1.6%。地方财政收入的增量率=(1508—（10779×1.6%÷(1+1.6%)）)÷（11647—(1508—10779×1.6%÷(1+1.6%))）=11.7%，D材料二2007年前三个季度，城镇居民收入为10346元，扣除价格因素后实际增长13.2%，同比提高3.2个百分点，农村居民人均现金收入3321元。扣除价格因素后实际增长14.8%,同3.4增幅的现象。20071853长18.8%。其中，国有经济单位职工月平均工资为1980元，同比增长20.8%。集体经济111118.0179415.6101611.8%.6.2006A.3212元B.3414元C.3450元D.33007.2007（）倍A.3.12 B.2.12 C.1.12 D.4.128.2006A.1452元 B.2674元 C.1552元 元9.2007年前三个季度，我国城镇单位在岗职工月平均工资比农村劳动力外出务工的月平均工资大约高出（）A.82.5% B.84.1%C.95.4% D.88.2%10.2006（）A.697.5元 B.869元 C.1639元 【答案】。解析：2007年前三个季度农村居民人均现金收入3321元，扣除价格因素后14.820063321÷（1+14.8%）=2893【答案】B。解析：2007103463321（10346-3321）÷3321=2.12C。解析：2007179415.620061794÷(1+15.6%)=155210161853-1016)1016=82.4%。【答案】A。解析：20071980三个季度我国国有经济和集体经济在岗职工月平均工资之差为1980÷(1+20.8%)-1111÷(1+18.0%)=1639.1-941.5=697.6第五部分英文阅读理解Instruction:Thefollowingquestionsarebasedonthecontentofapassage.Afterreadingthepassage,pleasechoosethebestanswertoeachquestiononthebasisofwhatisstatedorinplledinthepassage.Passage1Archaeologyasaprofessionfacestwomajorproblems.First,itisthepoorestofthepoor.Onlypaltrysumsareavailableforexcavatingandevenlessisavailableforpublishingtheresultsandpreservingthesitesonceexcavated.Yetarchaeologistsdealwithpricelessobjectseveryday.Second,thereistheproblemofillegalexcavation,resultinginmuseum-qualitypiecesbeingsoldtothehighestbidder.Iwouldliketomakeanoutrageoussuggestionthatwouldatonestrokeprovidefundsforarchaeologyandreducetheamountofillegaldigging.Iwouldproposethatscientificarchaeologicalexpeditionsandgovernmentalauthoritiessellexcavatedartifactsontheopenmarket.Suchsaleswouldprovidesubstantialfundsfortheexcavationandpreservationofarchaeologicalsitesandthepublicationofresults.Atthesametime,theywouldbreaktheillegalexcavator’sgriponthemarket,therebydecreasingtheinducementtoengageinillegalactivities.Youmightobjectthatprofessionalsexcavatetoacquireknowledge,notmoney.Moreover,ancientartifactsarepartofourglobalculturalheritage,whichshouldbeavailableforalltoappreciate,notsoldtothehighestbidder.Iagree.Sellnothingthathasuniqueartisticmeritorscientificvalue.But,youmightreply,everythingthatcomesoutofthegroundhasscientificvalue.Herewepartcompany.Theoretically,youmaybecorrectinclaimingthateveryartifacthaspotentialscientificvalue.Practically,youarewrong.Irefertothethousandsofpotteryvesselsandancientlampsthatareessentiallyduplicatesofoneanother.InonesmallexcavationinCyprus,archaeologistsrecentlyuncovered2,000virtuallyindistinguishablesmalljugsinasinglecourtyard.Evenpreciousroyalsealimpressionsknownasl’melekhhandleshavebeenfoundinabundance—morethan4,000examplessofar.Thebasementsofmuseumsaresimplynotlargeenoughtostoretheartifactsthatarelikelytobediscoveredinthefuture.Thereisnotenoughmoneyeventocatalogthefinds;asaresult,theycannotbefoundagainandbecomeasinaccessibleasiftheyhadneverbeendiscovered.Indeed,withthehelpofacomputer,soldartifactscouldbemoreaccessiblethanarethepiecesstoredinbulgingmuseumbasements.Priortosale,eachcouldbephotographedandthelistofthepurchaserscouldbemaintainedonthecomputer.Apurchasercouldevenberequiredtoagreetoreturnthepieceifitshouldbecomeneededforscientificpurposes.Itwouldbeunrealistictosuggestthatillegaldiggingwouldstopifartifactsweresoldontheopenmarket.Butthedemandfortheclandestineproductwouldbesubstantiallyreduced.Whowouldwantanunmarkedpotwhenanotherwasavailablewhoseprovenancewasknown,andthatwasdatedstratigraphicallybytheprofessionalarchaeologistwhoexcavatedit?1、TheprimarypurposeofthepassageistoproposeA．analternativetomuseumdisplayofartifactsB．awaytocurbillegaldiggingwhilebenefitingthearchaeologicalprofessionC．awaytodistinguishartifactswithscientificvaluefromthosethathavenosuchvalueD．thegovernmentalregulationofarchaeologicalsitesE．anewsystemforcatalogingduplicateartifacts正确答案B2、Whichofthefollowingismentionedinthepassageasadisadvantageofstoringartifactsinmuseumbasements?Museumofficialsrarelyallowscholarsaccesstouchartifacts.Spacethatcouldbebetterusedfordisplayistakenupforstorage.Artifactsdiscoveredinoneexcavationoftenbecomeseparatedfromeachother.D．Suchartifactsareoftendamagedbyvariationsintemperatureandhumidity.E．Suchartifactsoftenremainuncatalogedandthuscannotbelocatedoncetheyareputinstorage.正确答案E3、TheauthorimpliesthatallofthefollowingstatementsaboutduplicateartifactsaretrueEXCEPT:A．Amarketforsuchartifactsalreadyexists.B．Suchartifactsseldomhavescientificvalue.Thereislikelytobeacontinuingsupplyofsuchartifacts.Museumsarewellsuppliedwithexamplesofsuchartifacts.Suchartifactsfrequentlyexceedinqualitythosealreadycataloguedinmuseumcollections.正确答案E4、TheauthormentionstheexcavationinCyprus(highlighttext)toemphasizewhichofthefollowingpoints?Ancientlampsandpotteryvesselsarelessvaluable,althoughmorerare,thanroyalsealimpressions.Artifactsthatareverysimilartoeachotherpresentcataloguingdifficultiestoarchaeologists.Artifactsthatarenotuniquelyvaluable,andthereforecouldbesold,areavailableinlargequantities.Cyprusisthemostimportantlocationforunearthinglargequantitiesofsalableartifacts.Illegalsalesofduplicateartifactsarewide-spread,particularlyontheislandofCyprus.C5、Theauthor'sargumentconcerningtheeffectoftheofficialsaleofduplicateartifactsonillegalexcavationisbasedonwhichofthefollowingassumptions?A．Prospectivepurchaserswouldprefertobuyauthenticatedartifacts.B．Thepriceofillegallyexcavatedartifactswouldrise.Computerscouldbeusedtotracesoldartifacts.Illegalexcavatorswouldbeforcedtosellonlyduplicateartifacts.Moneygainedfromsellingauthenticatedartifactscouldbeusedtoinvestigateandprosecuteillegalexcavators.APassage2Federaleffortstoaidminoritybusinessesbeganinthe1960'swhentheSmallBusinessAdministration(SBA)beganmakingfederallyguaranteedloansandgovernment-sponsoredmanagementandtechnicalassistanceavailabletominoritybusinessenterprises.Whilethisprogramenabledmanyminorityentrepreneurstoformnewbusinesses,theresultsweredisappointing,sincemanagerialinexperience,unfavorablelocations,andcapitalshortagesledtohighfailurerates.Even15yearsaftertheprogramwasimplemented,minoritybusinessreceiptswerenotquitetwopercentofthenationaleconomy'stotalreceipts.Recentlyfederalpolicymakershaveadoptedanapproachintendedtoacceleratedevelopmentoftheminoritybusinesssectorbymovingawayfromdirectlyaidingsmallminorityenterprisesandtowardsupportinglarger,growth-orientedminorityfirmsthroughintermediarycompanies.Inthisapproach,largecorporationsparticipateinthedevelopmentofsuccessfulandstableminoritybusinessesbymakinguseofgovernmentsponsoredventurecapital.ThecapitalisusedbyaparticipatingcompanytoestablishaMinorityEnterpriseSmallBusinessInvestmentCompanyorMESBIC.TheMESBICthenprovidescapitalandguidancetominoritybusinessesthathavepotentialtobecomefuturesuppliersorcustomersofthesponsoringcompany.MESBIC'saretheresultofthebeliefthatprovidingestablishedfirmswitheasieraccesstorelevantmanagementtechniquesandmorejob-specificexperience,aswellassubstantialamountsofcapital,givesthosefirmsagreateropportunitytodevelopsoundbusinessfoundationsthandoessimplymakinggeneralmanagementexperienceandsmallamountsofcapitalavailable.Further,sincepotentialmarketsfortheminoritybusinessesalreadyexistthroughthesponsoringcompanies,theminoritybusinessesfaceconsiderablylessriskintermsoflocationandmarketfluctuation.Followingearlyfinancialandoperatingproblems,sponsoringcorporationsbegantocapitalizeMESBIC'sfarabovethelegalminimumof$500,000inordertogeneratesufficientincomeandtosustainthequalityofmanagementneeded.MESBIC'carenowemergingasincreasinglyimportantfinancingsourcesforminorityenterprises.Ironically,MESBICstaffs,whichusuallyconsistofHispanicandBlackprofessionals,tendtoapproachinvestmentsinminorityfirmsmorepragmaticallythandomanyMESBICdirectors,whoareusuallyseniormanagersfromsponsoringcorporations.Thelatteroftenstillthinkmainlyintermsofthe"socialresponsibilityapproach"andthusseemtopreferdealsthatareriskierandlessattractivethannormalinvestmentcriteriawouldwarrant.Suchdifferencesinviewpointhaveproduceduneasinessamongmanyminoritystaffmembers,whofeelthatminorityentrepreneursandbusinessesshouldbejudgedbyestablishedbusinessconsiderations.ThesestaffmembersbelievetheirpointofviewisclosertotheoriginalphilosophyofMESBIC'sandtheyareconcernedthat,unlessamoreprudentcourseisfollowed,MESBICdirectorsmayreverttopolicieslikelytore-createthedisappointingresultsoftheoriginalSBAapproach.1、Whichofthefollowingbeststatesthecentralideaofthepassage?TheuseofMESBIC'sforaidingminorityentrepreneursseemstohavegreaterpotentialforsuccessthandoestheoriginalSBAapproach.ThereisacrucialdifferenceinpointofviewbetweenthestaffanddirectorsofsomeMESBIC's.Afterinitialproblemswithmanagementandmarketing,minoritybusinesseshavebeguntoexpandatasteadyrate.D．Minorityentrepreneurswishingtoformnewbusinessesnowhaveseveralequallysuccessfulfederalprogramsonwhichtorely.timesince1960,largecorporationsaremakingsignificantcontributionstothedevelopmentofminoritybusinesses.A2AccordingtothepassagetheMESBICapproachdiffersfromtheSBAapproachinthatMESBIC'sseekfederalcontractstoprovidemarketsforminoritybusinessesencourageminoritybusinessestoprovidemarketsforotherminoritybusinessesC．attempttomaintainaspecifiedrateofgrowthintheminoritybusinesssectorD．relyontheparticipationoflargecorporationstofinanceminoritybusinessesE．selectminoritybusinessesonthebasisoftheirlocation正确答案D3、WhichofthefollowingdoestheauthorcitetosupporttheconclusionthattheresultsoftheSBAprogramweredisappointing?numberofnewminorityenterprisesformedasaresultoftheprogramB．ThesmallnumberofminorityenterprisesthattookadvantageofthemanagementandtechnicalassistanceoffieredundertheprogramThesmallpercentageofthenation'sbusinessreceiptsearnedbyminorityenterprisesfollowingtheprograms,implementation.ThesmallpercentageofrecipientminorityenterprisesthatwereabletorepayfederallyguaranteedloansmadeundertheprogramThesmallnumberofminorityenterprisesthatchosetoparticipateintheprogramC4、WhichofthefollowingstatementsabouttheSBAprogramcanbeinferredfromthepassage?Themaximumtermforloansmadetorecipientbusinesseswas15years.Businessloanswereconsideredtobemoreusefultorecipientbusinessesthanwasmanagementandtechnicalassistance.Theanticipatedfailurerateforrecipientbusinesseswassignificantlylowerthantheratethatactuallyresulted.Recipientbusinesseswereencouragedtorelocatetoareasmorefavorableforbusinessdevelopment.Thecapitalizationneedsofrecipientbusinesseswereassessedandthenprovidedforadequately.C5Theauthorreferstothe"financialandoperatingproblems"(highlight)encounteredbyMESBIC'sprimarilyinordertobroadenthescopeofthediscussiontoincludethelegalconsiderationsoffundingMESBIC'SthroughsponsoringcompaniescallattentiontothefactthatMESBIC'smustreceiveadequatefundinginordertofunctioneffectivelyshowthatsponsoringcompanieswerewillingtoinvestonly$500,000ofgovernment-sponsoredventurecapitalintheoriginalMESBIC'scompareSBAandMESBIClimitsonminimumfundingrefutesuggestionsthatMESBIC'shavebeenonlymarginallysuccessful正确答案BPASSAGE3HowOzonePollutionWorksTheweatherreportontheradioorTVtellsyouthatitisgoingtobesunnyandhotandthatanorangeozonealerthasbeenissued.Whatisozone?Whatdoesanorangealertmean?Whyshouldyoubeconcernedaboutit?Inthisarticle,wewillexaminewhatozoneis,howitisproduced,whathealthhazardsitposesandwhatyoucandotoreduceozonepollution.Ozoneisamoleculeofthreeoxygenatomsboundtogether(O3).Itisunstableandhighlyreactive.Ozoneisusedasableach,adeodorizingagent,andasterilizationagentforairanddrinkingwater.Atlowconcentrations,itistoxic.Ozoneisfoundnaturallyinsmallconcentrationsinthestratosphere,alayerofEarth’supperatmosphere.Inthisupperatmosphere,ozoneismadewhenultravioletlightfromthesunsplitsanoxygenmolecule(O2),formingtwosingleoxygenatoms.Ifafreedatomcollideswithanoxygenmolecule,itbecomesozone.Stratosphericozonehasbeencalled“good”ozonebecauseitprotectstheEarth’ssurfacefromdangerousultravioletlight.Ozonecanalsobefoundinthetroposphere,thelowestlayeroftheatmosphere.Troposphericozone(oftentermed“bad”ozone)isman-made,aresultofairpollutionfrominternalcombustionenginesandpowerplants.Automobileexhaustandindustrialemissionsreleaseafamilyofnitrogenoxidegases(NOx)andvolatileorganiccompounds(VOC),by-productsofburninggasolineandcoal.NOxandVOCcombinechemicallywithoxygentoformozoneduringsunny,high-temperatureconditionsoflatespring,summerandearlyfall.Highlevelsofozoneareusuallyformedintheheatoftheafternoonandearlyevening,dissipatingduringthecoolernights.Althoughozonepollutionisformedmainlyinurbanandsuburbanareas,itendsupinruralareasaswell,carriedbyprevailingwindsorresultingfromcarsandtrucksthattravelintoruralareas.Significantlevelsofozonepollutioncanbedetectedinruralareasasfaras250milesdownwindfromurbanindustrialzones.Youcanmakeozoneteststripstodetectandmonitorozonelevelsinyourownbackyardoraroundyourschool.Youwillneedcornstarch,filterpaper(coffeefiltersworkwell)andpotassiumiodide(canbeorderedfromascienceeducationsuppliersuchasCarolinaBiologicalSupplyorFisherScientific).Basically,youmakeapastefromwater,cornstarchandpotassium-iodide,andyoupaintthispasteonstripsoffilterpaper.Youthenexposethestripstotheairforeighthours.Ozoneintheairwillreactwiththepotassiumiodidetochangethecolorofthestrip.Youwillalsoneedtoknowtherelativehumidity,whichyoucangetfromanewspaper,weatherbroadcastorhomeweatherstation.Whenyouinhaleozone,ittravelsthroughoutyourrespiratorytract.Becauseozoneisverycorrosive,itdamagesthebronchiolesandalveoliinyourlungs,airsacsthatareimportantforgasexchange.Repeatedexposuretoozonecaninflamelungtissuesandcauserespiratoryinfections.Ozoneexposurecanaggravateexistingrespiratoryconditionssuchasasthma,reduceyourlungfunctionandcapacityforexerciseandcausechestpainsandcoughing.Youngchildren,adultswhoareactiveoutdoorsandpeoplewithrespiratorydiseasesaremostsusceptibletothehighlevelsofozoneencounteredduringthesummer.Inadditiontoeffectsonhumans,thecorrosivenatureofozonecandamageplantsandtrees.Highlevelsofozonecandestroyagriculturalcropsandforestvegetation.Toprotectyourselffromozoneexposure,youshouldbeawareoftheAirQualityIndex(AQI)inyourareaeveryday—youcanusuallyfinditinthenewspaperoronamorningweatherforecastonTVorradio.YoushouldalsobefamiliarwiththeU.S.EnvironmentalProtectionAgency(EPA)guideforozone-alertvalues.WhatdothenumbersintheAQImean?TheAQImeasuresconcentrationsoffiveairpollutants:ozone,sulfurdioxide,particulatematter,carbonmonoxideandnitrogendioxide.TheEPAhaschosenthesepollutantsascriteriapollutants,butthesearenotallofthepollutantsintheair.Theseconcentrationsarecomparedtoastandardsetoutinfederallaw.Anindexvalueof100meansthatallofthecriteriapollutantsareatthemaximumlevelthatisconsideredsafeforthemajorityofthepopulation.Toreduceyourexposuretoozone,youshouldavoidexercisingduringafternoonandearlyeveninghoursinthesummer.Thereareseveralwaysyoucanhelptodecreaseozonepollution.Limitusingyourautomobileduringafternoonandearlyeveninghoursinthelatespring,summerandearlyfall.Donotusegasoline-poweredlawnequipmentduringthesetimes.Donotfuelyourcarduringthesetimes.Donotlightfiresoroutdoorgrillsduringthesetimes.Keeptheengineofyourcarorboattuned.Makesurethatyourtiresareproperlyinflated.Useenvironmentallysafepaints,cleaningandofficeproducts(someofthesechemicalsaresourcesofVOC).Besidespersonalattemptstoreduceozonepollution,theEPAhasinitiatedmorestringentair-qualitystandards(suchastheCleanAirActanditsmodifications)toreduceairpollution.Compliancewiththesestandardsbyindustries,manufacturersandstateandlocalgovernmentshassignificantlyreducedthelevelsofmanycommonairpollutants.Withcontinuedconservationandreductionpractices,adherencetoozone-pollutionwarnings,researchandgovernmentregulation,ozone-pollutionlevelsshouldcontinuetofall.Perhapsfuturegenerationswillnotbethreatenedbythisenvironmentalpollutant.Thethingthatdetermineswhetherozoneisgoodorbadisitslocation.Ozoneis‘‘good，，whenitisinthestratos