银行招聘考试综合知识(习题卷12)

试卷科目：银行招聘考试综合知识银行招聘考试综合知识(习题卷12)PAGE"pagenumber"pagenumber/SECTIONPAGES"numberofpages"numberofpages银行招聘考试综合知识第1部分：单项选择题，共177题，每题只有一个正确答案,多选或少选均不得分。[单选题]1.Today，China?smassiveindustrializationand_____forcarshavemadeitdependentonoilimportedfromtheMiddleEastandAfrica.A)nostalgiaB)substitutionC)maniaD)anecdote[单选题]2.被第26届国际天文学联合会大会?开除?出太阳系行星行列的是（）。A)金星B)冥王星C)水星D)海王星[单选题]3.衡量计算机档次的部件是（）A)主板B)CPUC)硬盘D)内存[单选题]4.马克思主义与中国实际相结合的两次历史性飞跃形成的两大理论成果是（）。A)毛泽东思想与邓小平理论B)邓小平理论与?三个代表?重要思想C)建设中国特色社会主义理论与?三个代表?重要思想D)毛泽东思想与建设中国特色社会主义理论[单选题]5.根据《宪法》，下列关于?财产?的表述中，不正确的一项是（）。A)我国公民依法享有私有财产的继承权B)在我国．公民享有私有财产权C)在任何情况下。国家可以依法征用公民的私有财产D)在一定情况下．国家可以征收公民的私有财产[单选题]6.农村信用社产权制度改革的主要形式有（）种。A)1B)2C)3D)4[单选题]7.2009年12月联合国气候变化会议达成（）。A)《京都议定书》B)《哥本哈根协议》C)《坎昆协议》D)《里约宣言》[单选题]8.下列选项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（）。A)科目日结单B)日计表C)总账D)余额表[单选题]9.NextMondayisTina?sanniversaryoftheentrytoAppleInc.She____bythecompanyfor15wholeyearsbythen.A)willhavebeenemployedB)willhaveemployedC)hasbeenemployedD)willemployed[单选题]10.用于对下级机关布置工作，阐明工作活动的指导原则的领导指导性文件，称为（）。A)命令B)指示C)批复D)通知[单选题]11.按指数反映的内容不同可以分为（）。A)个体指数和综合指数B)数量指数和质量指数C)简单指数和加权指数D)个体指数和加总指数[单选题]12.资料：StarAirways,Mumbai'sdominantairlineforthepastfiveyears,hasreporteditisplanningtoreplaceitsentireaircraftfleetwithEuropean-producedSkystreamjets.Startingwithaninitialpurchaseof90jets,StarAirwaysexpectsthechangeovertotakeadecadetocomplete.Thenewplaneswillenabletheairlinetoexpanditsinternationalroutesaswellasprovidereplacementsforitsagingfleetofjetplanes.StarAirwaysandSkystream,inajointannouncementattheBrusselsAirShowonThursday,saidthattheorderincludedseventeenofthenewAWB85Oaircraft.ThiswillmakeStarAirwaysthefirstIndiancarriertoflytheAWB850,anaimithashadsincethepowerfuljetswerefirstproduced.WhatisNOTreportedasagoalofStarAirways?A)ToincreaseitsnumberofflightdestinationsB)ToreplacetheolderplanesinitsfleetC)TobeamongthefirsttouseanewaircraftD)Torelocateitsinternationalheadquarters[单选题]13.某企业需要借人资金60万元，由于贷款银行要求将贷款金额的20%作为补偿性余额，故企业需要向银行申请的贷款数额为（）万元。A)75B)72C)60D)50[单选题]14.对有负向外部经济影响的厂商征税的目的是（）。A)增加财政收入B)减少财政支出C)加大商品生产的成本D)减少产品生产的成本[单选题]15.资料：Forpromotionstoremaineffective,RTcompanyhastoanalyzetheimpactofdifferentcampaigns.Wordofmouthpromotionscanbemoredifficulttomeasurethansometraditionalmethodsofpromotion.Althoughhealthysalesareanimportantmeasure,RTusesothermeasurestoevaluatetheeffectivenessofitsactivities.Forexample:Settingtargetsforsalesreturnsfromthesmallerpromotionalactivities.Evaluatingtheamountofeditorialcoverageitsactivitiesreceiveinthemedia.MeasuringthenumberofblogsrelatedtoRT'sproductsandthefrequencyofcommentontheseblogs.EvaluatingtheonlineinfluenceofRTactivitiesinthesocialmedia.Forexample,onTwittertherearearound260000followersofRTactivities.OnFacebook,morethan21000000consumerslikeRT.Conductinganannualbrandhealth-checkwithconsumerstoensurethattheylikethebrand.MeasuringtheoutcomesofRTpromotionsisnotjustaboutreturnoninvestment.Thesefiguresdonotcreatethewholepicture.Thisisbecauseitcanbedifficulttovaluewordofmouthpromotionsonpaper.Salesreturnsdonottakenotaccountotherfactorssuchaslonger-termbrandloyalty.Whatisthepassageabout?A)thesalesreportofRTcampaigns.B)thesalesreportofRTcompany.C)howFacebookandTwitterhaveinfluencedthemarket.D)howtoevaluatepromotionalactivities.[单选题]16.市场营销观念有四个支柱：顾客导向、协调的市场营销、盈利性和（）。A)产品中心B)顾客中心C)工厂中心D)市场中心[单选题]17.用于表彰先进，批评错误，传达重要情况以及需要各单位知道的事项的公文是（）。A)通知B)通告C)通报D)情况报告[单选题]18.Afterthestorm,thelakereturnedtoitsusual___state.A)flaccidB)placidC)lucidD)acid[单选题]19.Mobileandportabletechnologiesallowlearnerstoaccessinformationirrespectiveoftheirphysicalcontext,forexampleonabusor,______asawaytoprovidelearnerswithlocation-basedinformation.A)simultaneouslyB)generallyC)accordinglyD)alternatively[单选题]20.在清偿顺序上位于商业银行其他债务之后，优于股权资本的债券是（）。A)金融债B)公司债C)次级债务D)混合资本债券[单选题]21.?三家分晋?所说的?三家?，不包括下列哪一家？（）A)韩B)赵C)齐D)魏[单选题]22.各种唯心主义派别之间的差异和矛盾，常常有利于唯物主义的发展，这一事实说明（）。A)矛盾一方克服另一方促使事物发展B)矛盾一方的发展可以为另一方的发展提供条件C)矛盾双方中每一方的自身矛盾可以为另一方的发展所利用D)矛盾双方的融合促使事物发展[单选题]23.ThiswellestablishedleaderinWorldwideAviationTrainingisabletogiveyouthebest______trainingthatmeetsyourtrainingneeds，yourbudgetandyourtime.A)mostB)possibleC)kindD)better[单选题]24.凯恩斯主义认为人们对投资品的需求取决于（）。A)边际消费倾向B)边际需求倾向C)边际供给倾向D)资本边际效率[单选题]25.出票人在票据正面注明?不得转让?字样的，票据不得转让，其后手再背书转让的，（）。A)出票人对其直接后手的被背书人承担保证责任B)出票人对其直接后手的被背书人不承担保证责任C)出票人对其最后的后手的被背书人不承担保证责任D)出票人对其最后的后手的被背书人承担保证责任[单选题]26.资料：Nativeads-oradsthattakeonthelookandfeelofthecontentsurroundingthem-aretakingoverdigitaladvertising.By2021,nativedisplayadrevenueintheUS,whichincludesnativein-feedadsonpublisherpropertiesandsocialplatforms,willmakeup74%oftotalUSdisplayadrevenue,upfroma56%sharein2016,accordingtonewBIIntelligenceestimatesbasedoffhistoricaldatafromtheInteractiveAdvertisingBureau（IAB）andPwC,aswellasIHS.Therapiduptickinnative'sshareofdisplayadrevenuecanlargelybeattributedtothedominanceofsocialplatformslikeFacebookandTwitter-whichwereearlychampionsofnativeandrelyalmostentirelyonnativeformats-aswellastheintroductionofnewprogrammatictechnologiesthataremakingiteasierforpublishersandadvertiserstoscalenativecampaigns.InanewreportfromBIIntelligence,webreaksoutnativeadsintothreecategories:socialnative,native-styledisplay,andsponsoredcontent（alsoreferredtoaspremiumnative）.Weprovide（一审未录入）forecastsforhowrevenuesfromtheseformatswillgrowoverthenextfiveyearsandlooksatwhatfactors,inparticular,aredrivingupspendingoneachoftheseadunits.Asanote,becauserevenuesfromthesethreetypesofnativecontentcanoverlap,wedonotprovideanoverallnativeforecast.Finally,welayoutsomeofthechallengesthatfacepropertiesthatrelyonnativeads,namelyadfrequencyandScalabilityissues.Herearesomekeytakeawaysfromthereport:Native-displayads,includingsocialnativeandnativeadsin-feedonpublisherwebsites,willmakeupthebulkofnativeadrevenuefrom2016-2021.NativedisplayadrevenueintheUSwillriseatafive-yearcompoundannualgrowthrate（CAGR）of17%duringthistimeperiodtoeclipse$36billion.Theriseofnativevideoads,particularlyonsocialplatforms,willbeoneofthemaindriversofthisgrowth.Accordingtothepassage,whichofthefollowingwillNOTbeincludedinthenewreportfromBIIntelligence?A)Anoverallnativeforecast.B)Adfrequencyandscalabilityissues.C)Theforecastsforhowrevenuesfromtheseformatswillgrowoverthenextfiveyears.D)Theillustrationsofwhatfactorsaredrivingupspendingoneachoftheseadunits.[单选题]27.下列对利率变动的影响最为直接与明显的经济政策是（）。A)货币政策B)财政政策C)收入政策D)汇率政策[单选题]28.科学发展观形成的根本依据和理论基础是（）。A)我国社会主义初级阶段基本国情B)我国经济社会发展的阶段性特征C)我国社会主义建设和改革开放的实践经验D)当代世界的发展实践和发展理念[单选题]29.资料：Placingtherighttypeofworkersincloseproximitytoeachothercangenerateuptoa15percentincreaseinorganizationalperformance，accordingtothestudyfromCornerstoneOnDemand，aproviderofcloud-basedlearningandtalent-managementsoftware，andresearchersatHarvardBusinessSchoolinMassachusetts.Forbusinesseswith2，000employees,thistranslatesintoanadditional$1millioninprofiteachyear，thestudysaid.Forthestudy，researchersexamineddatafromatwo-yearperiodofmorethan2，000employeesworkingatalargetechnologycompanywithlocationsintheU.S.andEurope.Thestudy?sauthorsseparatedworkersintothreedifferentcategoriesbasedontheworktheyproduced：Productive：Theseemployeesareveryproductive，butdon?talwaysproducequalitywork.Quality：Theseworkersproduceworkofsuperiorquality，butaren?talwaysproductive.Generalists：Theseemployeesareaverageintermsofbothproductivityandquality.Theresearchersdefinedproductivitybyhowlongittakesanemployeetofinishatask，andeffectivenessbyhowoftenemployeesneedtoaskaco-workerforhelpcompletingatask.Whatmightbediscussedlater？A)ThereasonforbetterperformancesB)TheimpactofseatingemployeesclosetoeachotherC)ThefindingsofseatingdifferentcategoriesofpeopleD)Allabove[单选题]30.我国第一部浪漫主义诗歌总集是（）。A)《红楼梦》B)《长恨歌》C)《楚辞》D)《乐府诗集》[单选题]31.高分子材料以高分子化合物为基础，其结构决定其性能，对结构的控制和改进，可获得不同特性的高分子材料。高分子材料独特的结构和易改性、易加工特点，使其具有其他材料不可比拟、不可取代的优异性能，从而广泛用于科学技术、国防建设和国民经济各个领域，并已成为现代社会生活中衣食住行用各个方面不可缺少的材料。下列属于现代高分子材料的是（）。A)工程塑料B)钛合金C)矿物质D)普通陶瓷[单选题]32.对重要事项和重大行动作出安排用（）。A)命令B)决定C)通知D)通告[单选题]33.从业务运作实质来看，福费廷就是（）。A)保付代理B)银行保函C)远期票据贴现D)质押贷款[单选题]34.宏观经济学的研究对象是()。A)个体单位的行为B)经济的总体行为C)个体单位的具体行为D)经济的具体行为[单选题]35.Everyoneintheorganizationhasa（n）______tothiskindofinformation.A)accessB)rightC)tryD)look[单选题]36.Doctorshavetobeverycarefulwhenmakinga___.A)treatmentB)symptomC)diagnosisD)patient[单选题]37.会计员收到支款凭证，审核无误后，将现金支票右下角的()撕下，凭以向出纳部门领取款项。A)出纳对号单B)第一联编号C)第三联编号D)银行存款单号[单选题]38.To:RexRoeges,CustomerServiceDepartmentIroeges@books,com〉From：DavePalmer〈palmer@mail2.comRe：LostbookDearMr.RexRoeges,Iamwritingthise-mailconcerningabookthatIorderedthroughyourcompany，TheComputerNetworks4thedition,ordernumber20035.Iplacedtheorderlastmonthandstillhavenotreceivedthebook.Ivisitedyourwebsiteandconfirmedthatmyshippinginformationwascorrect,andthatmycreditcardhasbeenchargedforthebook；thewebsitealsoindicatesthatthebookwasshippedusingyour?GlobalCarrier，，servicethedayafterIorderedit.Consideringthat?GlobalCarrier?shipmentstypicallytaketwoweekstoarrive,Ishouldhavereceivedmygoodsaweekagoatthelatest.However,mypostofficeinformedmetheyhaveneitherreceivednordeliveredthebook.Canyouletmeknowwhatisgoingonassoonaspossible?DavePalmerTo：DavePalmer^palmer@mail2.comFrom：RexRoegesIroeges@books.comRe；LostbookDearMr.Palmer,Thankyouforcontactingus.Itisimportanttousthatourcustomersaresatisfiedwithourservice,soIamverysorrytohearthatyouhavenotreceivedyourmerchandise.Ilookedupyourordernumberanddiscoveredthatthebookhasnotbeensentout.Ihaverectifiedthismistakeonourwebsiteandsentthebooktoyouviaexpressmail.Itshouldarrivewithintwobusinessdays.WiththebookIhaveenclosedacouponforhalfoffyournextorder.Again,Iapologizefortheinconvenience.Ifyouhaveanymorequestionsorneedfurtherassistance，pleasecontactmeat602-385-0256.ore-mailmeatCroeges@noble,com〉.Sincerely，RexRoges,CustomerServiceDepartmentNobelBookstoreWhatdidthecustomerdiscover?A)Hehasalreadypaidfortheorder,B)Hewaschargedtwiceforthesameproduct.C)Thedeliverycompanydeliveredtheitemtothewrongaddress.D)Thebookisoutofprintandnolongeravailable.[单选题]39.信用卡的使用体现着银行的一项业务活动，这项业务活动是（）。A)发行货币B)发行债券C)转账结算D)调节利率[单选题]40.在编辑Word文档时，选定一段文字后，把鼠标指针置于选定文本的任意位置，按Ctr1键并按鼠标左键不放，拖到另一位置上才放开鼠标。那么，刚才的操作是（）。A)移动文本B)复制文本C)替换文本D)删除文本[单选题]41.一个功能完善、运行顺利的金融系统通过风险的分散和分担与提供不同风险等级的资产，可以把总体的金融风险贴水减少到（）。A)零B)正数C)负数D)无穷小[单选题]42.下列外国作家、作品、国别对应错误的一项是（）。A)但丁--《神曲》--意大利;莫里哀--《伪君子》--法B)司汤达--《红与黑》--法;狄更斯--《双城记》--英C)屠格涅夫--《上尉的女儿》--俄;海明威--《老人与海》--美D)肖洛霍夫--《静静的顿河》--苏联;伏尼契--《牛虻》--爱尔兰[单选题]43.毛泽东对?实事求是?这句话作了科学解释的著作是（）。A)《改造我们的学习》B)《论联合政府》C)《关于领导方法的若干问题》D)《论人民民主专政》[单选题]44.期权是指在未来一定时期可以买卖的权利，是买方向卖方支付一定数量的金额后拥有的在未来一段时间内或未来某一特定日期以事先规定好的价格向卖方购买或出售一定数量的特定标的物的权利，但不负有必须买进或卖出的义务。下列关于期权的说法错误的是（）。A)交易双方的收益和风险对等B)期权的交易对象是选择权C)只有期权的买方有选择权而卖方没有D)期权买方可以放弃行使期权[单选题]45.根据《中华人民共和国行政处罚法》的规定，对于违法行为轻微并及时纠正，没有造成危害后果的当事人，应当（）。A)从轻处罚B)减轻处罚C)免于处罚D)从重处罚[单选题]46.资料：BankCDistheinstrumentuniformlyfiguringintheinvestmentoptionsofmostinvestors.BankofIndiaCDsaresafe,FDICinsured&offerdecentreturns.Thereisnobrokerage,nofeesorhiddencosts.However,theBankmayimposeafeeforadministrativeexpensesinvolvedinanylegalactioninconnectionwiththeCD.Lookatour?StarCD?planbelow.HighInterest:HigheronLargeamountOurratesoncertificateofdepositsareamongthebestintheindustry.Theratemayvaryonday-todaybasis.ForCD?sofabove$250,000.00,theinterestissimplei.enotcompounded;therefore,annualpercentageyieldissameasannualinterestrate.Theinterestispayableonthedayofmaturityofdeposit.InterestpaidduringtheyearisreportedtoInternalRevenueServices.Fortoday?sratespleaserefertoCurrentRatesofInterestonSTARCDs.MaturityPeriod:FlexibletoyourneedsYoumaychooseanymaturitydatewithaminimumperiodof7daystoamaximumperiodof1yeartosuityourneeds.YourCDisautomaticallyrenewedforthesameperiodinabsenceofanyotherinstruction,attherulingrateofinterestonthedateofrenewal.Thereisnograceperiodforautomaticrenewalofdepositsonmaturity.Fordepositsissuedfor1yearormore,wesendmaturitynoticestothedepositors2to4weeksbeforetheduedate.MinimumAmount:EasytoStartTheminimumamountacceptedisUSD2000OtherFeatures:1.FDICInsuranceUpto$100,0002.FacilitytoOpenJoint&CorporateAccountsAdditionalDeposits:Additionalamountsdepositedintoanaccountwillbetreatedasfreshdeposits&separatecertificatesofdepositswillbeissuedforsuchdeposits.EarlyWithdrawal:Withdrawalofdepositbeforeitsdateofmaturitymaybeallowedatbank?sdiscretion.Inthatevent,interestwillbepaidattherateapplicablefortheperiodforwhichthedepositremainedwiththebankorthecontractedrate,whicheverislower,asprevailingonthedateofdeposit,lessonepercent.However,nointerestshallbepaidonthedepositwhichrunsforlessthan30days.Thereisnootherpenaltyorchargeonearlywithdrawal.Accordingtothepassage,whichofthefollowingisNOTtrueaboutStarCD?（）A)TheminimumamounttoinvestisUSD2000.B)Youmaychooseanymaturitydateasyouwish.C)Theratesoncertificateofdepositsmayvarydaytoday.D)Separatecertificatesofdepositswillbeissuedforadditionaldeposits.[单选题]47.消费信用方式不包括（）。A)赊销B)分期付款C)现金支付D)消费信贷[单选题]48.?细雨成阴近夕阳，湖边飞阁照寒塘。黄花应笑关山客，每岁登高在异乡。?这首诗中包含着我国民间的传统节令，这个节令是（）。A)元宵B)七夕C)重阳D)春节[单选题]49.根据我国《证券法》的规定，股票终止交易的法定情形包括（）。A)公司最近二年连续亏损的B)公司股本总额、股权分布等发生变化的C)公司对财务会计报告做虚假记载,且拒绝纠正的D)公司合并的[单选题]50.下列关于Excel图表的说法，正确的是（）。A)图表不能嵌入当前工作表中，只能作为新工作表保存B)无法从工作中产生图表C)图表只能嵌入在当前工作表中，不能作为新工作表保存D)图表既能嵌入当前工作表中，也能作为新工作表保存[单选题]51.法按照适用范围可分为（）。A)实体法和程序法B)根本法和普通法C)一般法和特别法D)国内法和国际法[单选题]52.根据财政乘数效应原理，如果政府投资扩大、税收减少，对宏观经济会产生（）效应。A)收缩B)稳健C)扩张D)审慎[单选题]53.集体决策是一种科学的工作方法和领导方法，但要真正发挥好作用，必须强化对它的监管。目前，集体决策在实行过程中，有两种现象值得注意：一是有的主要决策者凌驾于集体之上，实行一言堂；二是在地方集体决策过程中，一些干部出于不求有功但求无过的思想，往往附和了事或干脆不发一言，敷衍塞责。这两种情况都直接导致了同一个后果，那就是集体研究有名无实。这些情况实质上是（）。A)缺少行政过错责任追究办法B)与集体决策在客观上形成的责任分散有关C)集体决策这一科学的工作方法被一些人歪曲了D)滥用公权的?集体决策?成了某些领导干部的?免责牌?[单选题]54.我国《合同法》在要约的生效时间上采取的是（）。A)发信主义B)到达主义C)以发信主义为主，到达主义为辅D)以到达主义为主，发信主义为辅[单选题]55.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.Whatisthispassagemainlyabout?A)Bossespushemployeestoworkbysendingemailsanytime.B)Employeesareexhaustedbytheconstantneedtocheckemails.C)Companiesmeantostresstheworkersoutbysendingemails.D)Noneofabove.[单选题]56.下面有关计算机的叙述中，正确的是（）。A)计算机的主机只包括CPUB)计算机程序必须装载到内存中才能执行C)计算机必须具有硬盘才能工作D)计算机键盘上字母键的排列方式是随机的[单选题]57.下列关于运人行进行核算的会计分录，正确的是（）。A)借：银行存款贷：分行辖内往来B)借：现金贷：分行辖内往来C)借：分行辖内往来贷：现金D)借：分行辖内往来贷：银行存款[单选题]58.在计算机中1K字节表示的二进制位数是（）。A)1000B)8×1000C)1024D)8×1024[单选题]59.在Windows中，复制文件的快捷键是（）。A)Ctrl+AB)Ctrl+DC)Ctrl+XD)Ctrl+C[单选题]60.Thestudentsexpectedthere______morereviewingclassesbeforethefinalexam.A)beingB)havebeenC)isD)tobe[单选题]61.资料：KeepingtheZealofaStartupasYouScaleTherearemanyreasonsthatfounder-ledcompaniesaresogoodatdisruptingindustriesandmakinglifemiserableforslow-movingincumbents.Butperhapsthemostpowerfulisthatfounderscreategreatinsurgencies.Theyignoreestablishedindustryrulesandboundaries.Theycreatebetterwaystosolveoldproblems.Theydisdainanythingthatblurstheirfocusonthefrontline.Fromtoptobottom,theyareatwaragainsttheindustryleadersonbehalfofundeservedcustomers.Ourresearchonwhatwecallthe?founder?smentality?showsthatmaintainingastronginsurgentmissioniscriticaltolong-term,sustainablegrowth.Buttocompetelongterm,insurgentcompaniesalsoneedtodevelopscaleandscope,whichveryoftendullstheirinsurgent?szeal.Inmanyways,thisisbecausetheirperspectiveonthefutureslowlychanges.Insurgentsseethedaysahead-bothlongandshortterm-asripewithopportunity.Theyembracechangeandchaos.Theyinvestinwhateverittakestoinnovatenewsolutionsforcustomers.Incumbents,ontheotherhand,veryoftenseethefutureasathreat.Asleadersinvestedheavilyinthestatusquo,innovationanddisruptionarenotgoodforthem.Turbulenceerodesprofitability;innovationmarginalizestheircurrentproductofferings.Thefutureisnotbetter.Thecompaniesthatfindawaytoachievescalewithoutlosingtheirinsurgentmissionwecallthem?ScaleInsurgents?--remainacutelyalerttothisdifferenceinperspective.Theyactivelyfightbackagainsttheverynaturaltendencytoretreatbehindthecastlewallstoavoidfuturechangeandturbulence.Instead,theydowhatinsomecompaniesmightseemlikeheresytheycommittodisruptingtheirowninsurgency.Theyknowthatacquiringthebenefitsofscalerequiresruthlessfocusonawell-definedcorebusinessandacommitmenttobuildingthesystemsandprocessestosupportit.Buttheyaren?tweddedtotheirbusinessmodel-theyareweddedtowhatwillservetheircustomersbest.Ratherthanerectingdefensesagainstthefuture,theyembracethenotionoflimitlesshorizons-theideathatacompanycanintelligentlyextendtheboundariesofitscoreeveroutward.Accordingtoparagraphl,whyarefounder-ledcompaniesoftenconsideredas?insurgents??A)BecausetheyoftengetmoresupportsfromthecustomersB)BecausetheyoftendamagethemarketorderC)BecausetheyoftenchallengetheoldcompaniesinmanywaysD)Becausetheyoftenmakemoremomeythanoldcompanies[单选题]62.（）是单位和个人在银行开立的主要账户。A)基本账户B)辅助账户C)活期储蓄存款D)定期储蓄存款[单选题]63.向最终消费者直接销售产品和服务，用于个人及非商业性用途的活动属于（）。A)零售B)批发C)代理D)直销[单选题]64.（）是信用社从税后利润中按规定比例提取形成的积累资金。A)资本公积B)盈余公积C)利润分配D)公积金[单选题]65.TheNo.3aircyclepacktemperatureindicationis______hot.A)beingreadB)toreadC)readingD)read[单选题]66.自1984年1月1日起，中国人民银行开始专门行使中央银行的职能，所承担的工商信贷和储蓄业务职能转交至（）。A)中国银行B)交通银行C)工商银行D)建设银行[单选题]67.金融机构之间融通资金以解决临时资金不足的市场是（）。A)发行市场B)资本市场C)同业拆借市场D)流通市场[单选题]68.汇总记账凭证账务处理程序的优点：一是可以减少登记总账的工作量，二是（）。A)简单明了，易于理解B)便于了解账户间的对应关系C)简明易懂D)可以做到试算平衡[单选题]69.()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，目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[单选题]70.客户在存入款项时不约定存期，支取时事先通知银行，约定支取存款日期和金额的个人存款种类是（）。A)零存整取B)定活两便C)存本取息D)通知存款[单选题]71.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.Weshouldtakegoodcareofoureyes______.A)evenifwecanseewellB)onlywhenwecannotseeperfectlyC)onlywhenwerealizehowimportantoureyesareD)onlywhenwecanseewell[单选题]72.TheFIFAWorldCupsoccerchampionshipinRussiaisthemostcostlyeverheld。Now，expertsquestionwhethertherewillbeagood______fortheRussiantaxpayer。A)responseB)refundC)returnD)report[单选题]73.Notonly______thefalloftheczar,butitalsodestroyedtheprovisionalgovernment.A)didWorldWarIcauseB)WorldWarIcauseC)wasWorldWarIcauseD)WorldWarItocause[单选题]74.一个国家对进口商品，除了征收正常进口税外．还往往根据某种目的加征额外的进口税。这种加征的额外关税叫做进口附加税，其中包括（）。A)差价税B)反倾销税C)特惠税D)选择税[单选题]75.Highlyemotional,lackinginself-confidence,heknockedaboutin____jobsasayoungmanbeforesettlingonthestudyofart.A)variousB)overallC)modifiedD)peculiar[单选题]76.资料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaandEuropehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,hasconsolidateditspositionastheworld?sderivativescenter,andHouston,thelargestcityinTexas,ishometoAmerica?sbiggestenergyfirmsandhasspawnedanactiveclusterofenergytradersandhedgefunds.EuropehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoislandhavenssuchasJerseyandtonichemarketssuchasLuxembourgandDublin.Edinburg,anestablishedbankingcenter,isnowtoutingitselfasalow-costalternativeforfinancialoperations.Amongthelargerhubs,FrankfurtisanimportantcenterforbankingandderivativestradingthroughEurex,aGerman-Swissexchange,withsignificantlylowercoststhanLondon.Switzerland?stwinfinancialcenters,GenevaandZurich,havedonewellintheirspecialistsofprivatebanking,wealthmanagementandinsurance.Themainattractionsarelowtaxes,politicalstabilityandareputationfordiscretion.UrsRothfromtheSwissBankersAssociationsays,however,thatgivenitstinydomesticmarket,Switzerlandhashadtofightforopenmarketsonaninternationalscale.ParishaslonglaggedfarbehindLondon,doggedbyareputationforexcessiveregulationandhightaxes.ThenewgovernmentisawarethatsomeofFrance?sbestfinancialbrainshavecrossedtheChannelformorelucrativecareersinLondon.YetParishasmanyadvantages:alargenumberofinternationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParisoffersanattractivequalityoflifeandhasgoodtransportlinks.WhatmakesParisaplacetowatchjustnowistheNYSE?srecentmergerwithEuronext.ThecombinedgroupwillbaseitsinternationalequitiesbusinessintheFrenchcapital.Euronext,whichoperatesexchangesinfiveEuropeancountries,alsoillustratestheimportanceofacommonlanguage.FinancialexecutivesaroundtheworldincreasinglyviewEuropeasasinglemarket.SoonanewEuropeanrulecalledMiFID（MarketsinFinancialInstrumentDirective）isduetobeimplemented.Itaimstoincreasecompetitionamongandtransparencywithinfinancialmarkets.Financiersinotherpartsoftheworldarewonderinghowtoachieveasimilardegreeofcross-borderfinancialintegration.AllofthefollowingareadvantagesofSwitzerland?sfinancialcentersEXCEPT.A)lowtaxationB)broaddomesticmarketC)famefordiscretionD)stablepoliticalenvironment[单选题]77.按（）的方式不同，股票流通市场分为议价买卖和竞价买卖。A)达成交易B)买卖双方决定价格C)交割期限D)交易者需求[单选题]78.农村信用社年中存贷款比例不得超过（）％，年末不得超过（）％。A)8080B)7575C)7580D)8075[单选题]79.证券监管最基本的原则是()。A)公开、公平、公正原则B)保护投资者利益原则C)诚实信用原则D)依法管理原则[单选题]80.实践高于理性的认识，是因为实践具有（）。A)客观实在性B)直接现实性C)自觉能动性D)社会制约性[单选题]81.历史上建都金陵的六朝之首是（）。A)东晋B)南唐C)东吴D)梁[单选题]82.Word具有查找一个特定文档的功能，这个功能包含在（）。A)文件菜单中的?打开?对话框B)文件菜单中的?另存为?对话框C)编辑菜单中的?定位?对话框D)编辑菜单中的?查找?对话框[单选题]83.Areyougoingout?Yes,pleaselockthedoorwhenyou___.A)willleaveB)leaveC)havebeenleavingD)willhaveleft[单选题]84.Atthemeeting,themanagertalked______abouttheneedforbetterattendanceandpunctuality.A)brieflyB)briefingC)shortlyD)shorts[单选题]85.资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho?dbeenpushinganendangeredlistingsaidtheproposalwasa?turningpoint?theyhopewillleadtogreaterturtleprotections.?Ithinkit?shugedayforloggerheadseaturtles,?saidBethRiff,amarinewildlifescientistatOceana.?itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.?Withallthatattentiontopaidt