银行招聘考试综合知识(习题卷18)

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18)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65题，每题只有一个正确答案,多选或少选均不得分。[单选题]1.资料：Thinkforamomentofyourdefinitionofpersuasion.IfyouarelikemostbusinesspeopleIhaveencountered,youseepersuasionasarelativelystaightforwardprocess.First,youstronglystateyourposition.Second,yououtlinethesupportingarguments,followedbyahighlyassertive,databasedexposition.Finally,youenterthedeal-makingstageandworktowarda?close.?Inotherwords,youuselogic,persistence,andpersonalenthusiasmtogetotherstobuyagoodidea.Therealityisthatfollowingthisprocessisonesurefirewaytofailatpersuasion.Persuasion,infact,involvesdemands-compromise.Perhapsthatiswhythemosteffectivepersuadersseemtoshareacommontrait:theyareopen-minded,neverdogmtaic.Theyenterthepersuasionprocesspreparedtoadjusttheirviewpointsandincorporateothers?ideas.Whencolleaguesseethatapersuaderiseagertoheartheirviewsandwillingtomakechangesinresponsetotheirneedsandconcerns,theyrespondverypositively.Whatisthearticlemainlyabout?A)HowtosuccessfullypersuadeothersB)HowbusinesspeopledefinepersuasionC)PersuasionasanartD)Logic,persistenceandenthusiasm答案:A解析:本题考查的是主旨大意。【关键词】mainlyabout【主题句】第一段Thinkforamomentofyourdefinitionofpersuasion.IfyouarelikemostbusinesspeopleIhaveencountered,youseepersuasionasarelativelystaightforwardprocess.（思考一下你对说服的定义。如果你和我遇到的大多数商人一样，你会把说服看成是一个相对简单的过程。）第二段Persuasion,infact,involvesdemands--compromise.（实际上，说服涉及要求和妥协。）第1题问?这篇文章主要讨论什么？?此题考察文章主旨大意，根据第一段内容，作者讨论的是商人眼中的?说服?，并给出具体的步骤，告诉大家这种说服方法不正确。第二段谈及如何成功说服别人。可见，文章主要谈论的内容是?如何说服别人?。A选项?如何成功说服其他人。?和本文中心一致，故为正确答案。B选项?商人如何定义说服?，C选项?把说服当成一种艺术?，D选项?逻辑，坚持和热情?，以上三个选项并非本文重点。[单选题]2.依照《中华人民共和国公司法》的规定，股份有限公司以（）对公司债务承担责任。A)公司全部财产B)投资人全部个人财产C)全体股东所持公司股份D)全体股东原始出资额答案:A解析:[单选题]3.Thereseemedlittlehopethattheexplorer,（）inthetropicalforest,wouldfindhiswaythroughit.A)tobedesertedB)havingdesertedC)tohavebeendesertedD)havingbeendeserted答案:D解析:本题考察动词的时态和语态，题目意为?迷失在热带雨林中的探险家找到出去的路的希望渺茫。?A选项表示将来时态和被动语态，B选项表示主动语态，C选项时态混乱，D选项表述被动语态的完成时态并可能延续下去。[单选题]4.关于一般性货币政策工具，下列说法错误的是（）。A)调整法定准备金率对货币乘数的作用力度很强B)调整法定准备金率成效快C)与法定存款准备金率相比，再贴现政策的作用力度较弱D)公开市场业务是比较灵活的金融调控工具答案:B解析:调整法定准备金率对货币供应量和信贷量的影响要通过商业银行的辗转存、贷，逐级递推而实现，成效较慢，时滞较长。所以，正确答案为B。[单选题]5.计算机的存储单元中存储的内容（）。A)只是数据B)只能是程序C)可以是数据和指令D)只能是指令答案:C解析:存储器单元内容是储存器单元里面储存的二进制数据，如0100011。存储器单元地址是由十六进制数指向存储器某个特定的单元．如0FFE2A。一个是实实在在的数据，一个是指向该数据的地址。所以可以是数据或者指令。故本题正确选项为C。[单选题]6.资料：Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2.Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition,Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.Nevertheless,someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatebeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattacks（网络攻击）.AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections.Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities--suchaslendingmoney--itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessary.WhatcanbeinferredfrompassageontheeffectsofPSD2inthesecondparagraph？A)Customersaremorelikelytoenjoymoreinnovativeservices.B)Peoplewillnolongergotobankstodeposittheirmoney.C)Serviceprovidersdonotwanttopartnerwithbanks.D)Peoplewillreceivemorepension.答案:A解析:本题考查的是推理判断。【关键词】inferred；PSD2；secondparagraph【主题句】第2自然段Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.新供应商将更有能力提供各种创新服务，比如一键式选择，将每月未花掉的收入存入养老金计划。本题的问题是?在第二自然段中，有关PSD2的影响我们从文中可以推断出什么??。A选项?客户更有可能享受更多创新服务。?；B选项?人们不再去银行存钱了。?；C选项?服务提供商不想与银行合作。?；D选项?人们会得到更多的退休金。?根据主题句可知，我们可以推断出顾客更有可能享受到更具创新性的服务，故选A。[单选题]7.下列市场不属于货币市场组成部分的是()。A)同业拆借市场B)回购市场C)股票市场D)商业票据市场答案:C解析:货币市场由同业拆借市场、回购市场、商业票据市场、银行承兑汇票市场、大额可转让定期存单市场、短期政府债券市场构成。股票市场属于资本市场。[单选题]8.下列字符中，ASCI1码值最小的是（）。A)aB)AC)XD)Y答案:B解析:a的ASCⅡ码值为97，A的ASCⅡ码值为65，X的ASCⅡ码值为120，Y的ASCII码值为89。[单选题]9.金融结构的失衡是导致金融危机的（）。A)内部性因素B)外部性因素C)政策性因素D)环境性因素答案:A解析:略。[单选题]10.社会保障的核心内容是（）。A)社会保险B)社会救助C)社会福利D)社会优抚答案:A解析:社会保险是社会保障制度的核心内容。[单选题]11.在发生利益冲突时，银行业从业人员应当申请回避，下列（）行为存在明显不当。A)以一般交易条件向关系人发放贷款B)依据客户实际情况推荐合适的金融产品C)以优势条件向朋友提供金融产品D)在没有明确内部优惠政策时与普通消费者一样购买本机构金融产品答案:C解析:以优势条件向朋友提供金融产品，违背了利益冲突中，关于银行业从业人员不得利用本职工作便利，以明显优于或低于普通金融消费者的条件或价格与本机构进行交易的规定。[单选题]12.在经济衰退时实行扩张政策，有意安排财政赤字；在繁荣时期实行紧缩政策，有意安排财政盈余，以繁荣时的盈余弥补衰退时的赤字，使整个经济周期的盈余和赤字相抵而实现预算平衡是（）预算方式。A)功能财政预算B)年度平衡财政预算C)充分就业平衡预算D)周期平衡预算答案:D解析:题干是周期平衡预算的定义。[单选题]13.资料：GoogleandUberhavegrabbedmostoftheattentionregardingtheadventofself-drivingcars,butonSunday,Lyftthrewdowntheultimatechallenge:AmajorityofautonomousvehiclesforLyftwithinamerefiveyears.TheboldclaimwasmadebyLyftco-founderJohnZimmerinapostonMediumoutlininghiscompany'svisionforthenextdecade."WithinfiveyearsafullyautonomousfleetofcarswillprovidethemajorityofLyftridesacrossthecountry,"saidZimmer,indicatingthatearlyversionsofsuchcarshavebeeninoperationinSanFranciscoandPhoenix.Usuallywhentechfounderslayouttheirvision,it?stypicaltoheargrandclaimsthatalmostpushtheboundariesofbelievability.That'swhattechinnovationisabout.Butinthecaseofself-drivingcars,thesituationisabitmorecomplicated.Uberhasalreadybegunrollingoutself-drivingcartestsinPittsburghandGoogleishardatworkonthesamekindofsolutionontheWestCoast.Therefore,talkofgettingself-drivingcarsontheroadis,atthispoint,lessaboutthetechnologyandmoreaboutlogistics.WeknowGooglehasenoughcashtotripledownonanyinitiativeitdecidestotackle.Andasthecurrentride-sharingleaderintheU.S.,Uberhasenoughmarketshare-poweredcredibilitythatafutureincludingself-drivingUbercarsisn'tunrealistic.Todaytherearesomeinternet-basedridesharingsystembuttoovercomethecriticalmassthesystemhastobereal-time,automatedandextremelyeasytouse.HoweverinthecaseofLyft,whichcontinuestostruggleagainstUber(onereportclaimsthatUberhasover80percentmarketshareintheU.S.),suchashorttimelinetowardrollingoutafleetofself-drivingcarsseemssomewhatambitious.Nevertheless,Zimmercontinueshisvisionessaywithevenmoreboldpredictions."By2025,privatecarownershipwillallbutendinmajorU.S.cities,"saysZimmer,apredictionthat,ifitturnsouttobetrue,wouldmeanitwouldtakejusteightyearsforthemajorityofthehuman-drivencarsonU.S.roadstodisappear.Possible?Sure.Likely?Eightyearsseemslike,onceagain,abitofwishfulthinkingonZimmer'spart.Remember,ithasn'tevenbeen10yearssincethearrivaloftheiPhone,andasrecenteventsprove,smartphonesarestillacategorythatcanyieldcatastrophicresultsifnotdoneright.Andthosearejustmobiledevices,notvehiclesentrustedwithtransportingandprotectinghumanlives.Tobefair,Zimmer'sessaydoesoffersomefactsandfiguresinanattempttobackuphispositions,butmuchofitdoesn'tappeartotakeintoaccountvariablessuchastheheavilyembeddedinterestsofautomobilecompaniesstillrelyingonconsumerautosales,aswellasthemanylegalandroadwaylogisticsthatwillneedtobeaddressedinordertobringaboutthismassivetransformationinsuchashorttime.Oddly,Zimmer'svisiondoeslittletoaddressthemillionsofhumanjobsthatwillbelostonceself-drivingcarsdisplacenotonlytaxidrivers,buttruckdrivers."Webelievethatinthefirstfiveormoreyearsfollowingtheintroductionofautonomousvehicles,theneedforhumandriverswillactuallyincrease,notdecrease,"writesZimmer."Whenautonomouscarscanonlysolveaportionofthosetrips,moreLyftdriverswillbeneededtoprovideservicetothegrowingmarketofformercarowners,"writesZimmer.Butwhataboutafterfiveyears,whenautonomouscarscanprovidefullservice?Whataboutthehumandrivers?Thepushbackfromhumandriverslosingworkwilllikelybeanother,majorrippleintheevolutionofself-drivingcars,aswellasotherautomatedsystemsenteringU.S.societyincomingyears.However,noneoftheselogisticalissuesdiminishZimmer'sideas.Hisvisionofthefutureofautonomousvehiclesseemsquitelogicalandinstepwithmostwhoworkinandwatchthespaceclosely.Butthespeedbumpinacceptinghisvisionwholesaleishisambitiousself-drivingcartimelineingeneral,andforLyftinparticular.A)Mr.Zimmer?sideaisthatnowweareatthecriticalmomentinhistory,weshouldtakedecisiveactionwhethertakingtherightpathornot.B)MrZimmerthinkstheintroductionoftheautonomousvehicleswillnotcausetheunemploymentandsurelywillincreasetheemploymentbecausesuchcardriverswillbeneededtoprovideservice.C)TheauthorhasarguedthatalthoughtherearestillsomeproblemsinMr.Zimmer?spredicationbutthegeneraldirectionofrealizingself-drivingcarswillbecorrect.D)Mr.Zimmerprovidessomevariablefactorssuchascompaniesprofitsandleagalprocedureproblemsinordertorealizethemassivetransformationofself-drivingcarsinsuchashortoftime.答案:B解析:本题考查细节理解。【关键词】true【主题句】By2025,privatecarownershipwillallbutendinmajorU.S.cities,"saysZimmer,apredictionthat,ifitturnsouttobetrue,wouldmeanitwouldtakejusteightyearsforthemajorityofthehuman-drivencarsonU.S.roadstodisappear.Possible?Sure.Likely?Eightyearsseemslike,onceagain,abitofwishfulthinkingonZimmer'spart.?到2025年，美国的主要城市的私人汽车所有权将会结束，?Zimmer说。对于这个预测，如果事实证明这是真的，那意味着大多数人类驾驶汽车只需要8年的时间会在美国的道路消失。可能？当然。可能性有多大？对Zimmer来说，八年似乎又是一厢情愿的想法。Remember,ithasn'tevenbeen10yearssincethearrivaloftheiPhone,andasrecenteventsprove,smartphonesarestillacategorythatcanyieldcatastrophicresultsifnotdoneright.Andthosearejustmobiledevices,notvehiclesentrustedwithtransportingandprotectinghumanlives.请记住，自从iPhone诞生至今还没有10年，并且最近的事件证明，如果做得不当，智能手机仍然会产生灾难性结果。况且这些只是移动设备，而不是托运运输和保护人命的车辆。Tobefair,Zimmer'sessaydoesoffersomefactsandfiguresinanattempttobackuphispositions,butmuchofitdoesn'tappeartotakeintoaccountvariablessuchastheheavilyembeddedinterestsofautomobilecompaniesstillrelyingonconsumerautosales,aswellasthemanylegalandroadwaylogisticsthatwillneedtobeaddressedinordertobringaboutthismassivetransformationinsuchashorttime.公平地说，齐默的文章确实提供了一些事实和数据来企图支持自己的立场，但其中大部分似乎没有考虑到诸如汽车公司依然依赖消费者汽车销售的高度嵌入利益等变量，以及为了在如此短的时间内实现这一巨大转变而需要解决的众多法律和道路物流问题。"Oursocietyisataforkintheroadandwhetherwetaketherightpathisnotinevitable,"admitsZimmer.Zimmer承认：?我们的社会正在走向分叉，我们是否走上正确的道路并非不可避免。?whatIdoknowisthatdecisiveactionmustbetakenbyallofus?-?businessleaders,policymakers,cityplanners,andcitizens?-?torealizethefullpotentialofthisalmostunprecedentedmomentinhistory.我所知道的是，所有商界领袖、政策制定者、城市规划者和公民都必须采取果断行动，以充分发挥这一史无前例的历史时刻的潜力。Webelievethatinthefirstfiveormoreyearsfollowingtheintroductionofautonomousvehicles,theneedforhumandriverswillactuallyincreasenotdecrease...我们相信，在推出自动驾驶车辆后的头五年或更长时间内，对人力驾驶的需求实际上将增加而不是减少。题目意为?根据文章内容，以下哪项是正确的？?选项A意为?齐默先生认为，现在我们正处于历史的关键时刻，我们应该果断决定是否走这条正确的路。?与原文中?一定要采取果断行动?不符，故错误。选项B意为?齐默先生认为，自动驾驶汽车的引入不会导致失业，而且肯定会增加就业，因为将需要相应的汽车驾驶员提供服务。?选项C意为?作者认为，虽然齐默先生的预测中仍存在一些问题，但实现自动驾驶汽车的总体方向是正确的。?原文中反复提到了自动驾驶汽车的风险和问题，表达作者对实现自动驾车总体方向的隐忧。选项D意为?齐默先生为实现自动驾驶汽车在如此短的时间内的大规模转型提供了一些可借鉴的因素，如公司利润和法律程序问题。?与原文中?似乎没有考虑盈利以及众多法律问题?不符，故错误；根据主题句，只有选项B与题意意思相符合。[单选题]14.下列既属于直接融资形式又属于间接融资形式的是（）。A)商业信用B)银行信用C)国家信用D)消费信用答案:D解析:消费信用是指金融或商业机构以货物(包括服务)、货币等形式向有一定支付能力的为了生活消费的消费者提供信用，消费者在将来的某个时期偿还的一种信贷行为和信用关系．其中既涉及直接融资也涉及间接融资。[单选题]15.第1代电子计算机使用的电子元件是（）。A)晶体管B)电子管C)中、小规模集成电路D)大规模和超大规模集成电路答案:B解析:第1代计算机主要元件是电子管，第2代计算机主要元件是晶体管，第3代计算机主要元件是小规模集成电路和中规模集成电路，第4代计算机主要元件是大规模集成电路和超大规模集成电路。[单选题]16.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)留置权答案:C解析:所有权具有全面性的特征。全面性又称完全性，是指所有人对于标的物可以为全面的占有、使用、收益和处分，并排除他人的干涉。因此特点，所有权又通常被称为?完全物权?。[单选题]17.增值税纳税人发生下列（）行为，一律按偷税论处。A)进项税额申报抵扣时间提前B)随意抵扣进项税额C)进货退回或折让，不扣减当期进项税额D)开具了专用发票，其销售额未按规定计人销售账户核算答案:B解析:进项税应按规定扣减，否则按偷税处理。[单选题]18.周文、郑武、张天、李元四人是大学同学，毕业后，四人共同开办了一家创意工厂，周文提供了经营场所、郑武和李元分别提供了10万元作为启动基金，张天提供自身的创意才华，负责工厂的产品研发。周文和张天参与了工厂的日常经营，而郑武和李元没有参与，只按照约定参与年终盈利分红。那么，该创意工厂的合伙人是（）。A)郑武、李元B)周文、张天C)周文、张天、郑武和李元D)周文、郑武和李元答案:C解析:《中华人民共和国合伙企业法》第11条第l款规定，合伙人可以用货币、实物、土地使用权、知识产权或者其他财产权利出资；第3款规定，经全体合伙人协商一致，合伙人也可以用劳务出资，其评估办法由全体合伙人协商确定。周文提供土地使用权．郑武和李元用财产出资，张天是劳务出资．所以四人都是工厂合伙人。故本题答案选C。[单选题]19.根据我国法律规定，对于两个以上的申请人分别就同样的发明创造申请专利的，实行的原则为（）。A)使用在先B)完成在先C)申请在先D)按照本人的技术职称高低答案:C解析:《专利法》第9条第2款规定：?两个以上的申请人分别就同样的发明创造申请专利的，专利权授予最先申请的人。?由此可知，我国对于专利申请遵循申请在先原则。故本题答案选C。[单选题]20.YouandIshallgeta______holidayoftwoandthreeweeks.A)respectfulB)respectiveC)respectableD)respecting答案:B解析:本题考查形近词辨析。题目意为?你和我将分别有两星期和三星期的假期。?A选项?恭敬的，有礼貌的?，B选项?分别的，各自的?，C选项?值得尊敬的?，D选项?关于，在……方面?。根据句意，应选择分别有假期。[单选题]21.?东施效颦?原比喻不根据具体条件，盲目模仿别人，结果适得其反。现泛指模仿者的愚蠢和可笑。这一成语出自（）。A)《孟子》B)《庄子》C)《论语》D)《红楼梦》答案:B解析:出自《庄子·天运》：?故西施病心而啧其里，其里之丑人见而美之，归亦捧心而喷其里。其里之富人见之，坚闭门而不出：贫人见之，絮妻子而去之走。?[单选题]22.资料：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwithanegativeemployee.Theseworkersdon?tnecessarilyfallintothecategoryof?toxic,?butthey?rejustkindofadragwiththeircynical,pessimisticworldview.Ifyou?redealingwithanegativeemployee,hereare3stepstotake.FINDOUTWHYIfyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeenbehaviorchangesrecently.Isthenegativityaconstantorhasthebehaviorescalated?Ifthelatter,wasthereaneventthatleduptothechange?Individualsintheworkplacelivemulti-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityandmood.InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchersfoundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagersaresupportive.DISCUSSGOALSWhendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethediscussioninthecontextoftheIndividual?sgoals.?Tonepolicing?whereyousimplypointoutpessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcausemoreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditionaltraining,perhapsinmanagementorcommunicationskills,toovercomeadeficit.ADDRESSISSUESAdirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsorcircumstancesdrivingthebehavior.Ifthereareworkplaceissuethatcanbesolved,considerdoingsoifitmakesense.Iftherearepersonalissuesthathavecausedanescalationinnegativebehavior,examinewhetheraccommodationscanbemadetohelpthepersonwhilethey?regoingthroughsuchchallenges.Someemployeesdon?thavegreatinterpersonalskills,andputtingtheminjobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbeaneffectivesolution,too.Accordingtoparagraphtwo,whatcanresultintheescalatednegativebehaviorofanemployee?A)lowincomeB)FamilystressC)heavyworkloadD)Unsatisfacationattheofficeenvironment答案:B解析:本题考查的是细节理解和同义转换。【关键词】paragraphtwo;whatcanresultin;escalatednegativebehavior【主题句】第2自然段Isthenegativityaconstantorhasthebehaviorescalated?Ifthelatter,wasthereaneventthatleduptothechange?Individualsintheworkplacelivemulti-dimensionallives,andothernon-workplacestressorsmayimpactworkproductivityandmood.消极的情绪是不变的还是行为的升级？如果是后者，是否有一个事件导致了这种变化？工作场所的个人过着多维度的生活，而其他非工作场所的压力因素可能会影响工作效率和情绪。本题的问题是?根据第二自然段，什么会导致一个雇员升级的消极行为？?。选项A意为?低收入?；选项B意为?家庭压力?；选项C意为?工作量很大?；选项D意为?办公环境不满意?。根据主题句可知，非工作场所的压力会导致雇员升级的消极行为，故选B。[单选题]23.我国出口一批货物给日本某公司，该日本公司又将这批货物转卖给美国某公司，这个贸易现象对日本而言称为（）。A)间接进口B)间接出口C)转换贸易D)易货贸易答案:C解析:转口贸易又称中转贸易或再输出贸易，是指国际贸易中进出口货物的买卖．不是在生产国与消费国之间直接进行，而是通过第三国转手进行的贸易。这种贸易对中转国来说就是转口贸易。题目中生产国是中国，消费国是美国，日本为第三国，所以这种贸易对于日本来讲就是转1：7贸易。[单选题]24.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)附件型病毒答案:D解析:计算机病毒按照感染的方式，可以分为引导型病毒、文件型病毒、混合型病毒、宏病毒和Internet病毒。[单选题]25.对于垄断行业的厂商，政府可以通过价格管制来限制垄断势力导致的效率损失。如果政府对垄断厂商的限价正好使企业只能获得正常利润，则价格要等于（）。A)边际成本B)平均成本C)平均可变成本D)边际收益答案:B解析:略[单选题]26.资料：From:prorno@To:kkaminski@Subject:NewflavorsDate:March8DearMr.Kaminski.Iamwritingtosharesomeexcitingnewswithyou.Fruittisomisnowlaunchinganewlineofnaturalfruitjuices.，andwewouldliketosendyousomesamplessothatyoucantrythemtoo.FreesampLesarebeingofferedonlytocustomerswhohavepurchasedFruittisomjuicesfromouronlinestorewithinthelastyear.Ifyouwishtoreceivesamplesofthenewlineofourproducts,gotoouronlinestoreandselectuptothreeproductsyouwouldliketotry.Then,insteadofmakingapayment,enterpromotionalcodeTY117563,andyourselectionswillbeshippedtoyourhomewithoutcharge.Withbestregards,AshleyHockstraWhatisofferedinthee-mail?A)InstructionsforenteringacompetitionB)chancetotryanewproductC)AnapologyforanerrorD)Thanksforcompletingacustomersurvey答案:B解析:本题考查的是细节理解。【关键词】what;offered;e-mail【主题句】Fruittisomisnowlaunchinganewlineofnaturalfruitjuices.（Fruittisom正发布一系列天然果汁饮品。）Wewouldliketosendyousomesamplessothatyoucantrythemtoo.（我们想给你寄送一些样品品尝。）第1题问?邮件内容涉及提供什么？?根据文章里提到?Fruittisom正发布一系列天然果汁饮品。?，同时发件人想为Kaminski提供一些果汁样品，该封邮件的目的就是提供免费品尝新产品的机会。A选项?参与竞争的指导?，文章并未提及该选项内容。B选项?尝试新产品的机会?，该选项和原文内容一致，故为正确答案。C选项?对于一个错误的道歉?，D选项?感谢完成一份客户调查?，这两个选项文中并未涉及。[单选题]27.IBMnowhasincentiveto______orfireemployeesbeforethatDec.15date.A)laydownB)layoffC)layasideD)layout答案:B解析:题目意为?现在,IBM在12月15日之前有动机去____或解雇员工。?选项A意为?放下，放弃?；选项B意为?暂时解雇，裁员，停止工作?；选项C意为?把……放在一边?；选项D意为?展示，设计，安排?。结合题干，IBM想要有临时解雇或裁员的打算，故答案B更符合题意。[单选题]28.资料：Specialneedsstudentscannotonlylearnfromregulareducationteachers,butcanparticipateincollaborativelearningwithmainstreamstudentsaswell.Collaborativelearningallowsstudentstoworktogetheringroupstocompletelessonsandassignments.Anumberofeducatorswithinclusionclassroomsarerealizingthebenefitsofcollaborativelearningandspecialneedsstudentsbeingplacedinsmallgroupenvironmentswithregulareducationclassmates.Collaborativelearningallowsstudentstoconversewithoneanotherandbrainstormtogetherinordertofindsolutionstoproblemsortocompleteanassignment.Thistypeoflearningallowsstudentsofvaryingabilitylevelstolendtheirindividualstrengthstothegroupasawhole,therebyencouraginganappreciationofdiverseideasandapproachestoproblemsolving.Teacherscanchoosetoimplementseveraldifferenttypesofcollaborativelearningstrategies,dependingontheneedsofstudentsandthefocusofspecificassignments.Examplesofsmall-groupcollaborativelearningmethodsare:1）TheThink-Pair-Sharestrategy,whichinvolveseachstudentinthegrouptakingoneminutetoformulatearesponsetotheteacher'squestion,thensharingindividualfindingswithapartner.Aftercollaboratinginpairs,studentscanthenshareinputwithslightlylargergroupsorwiththeentireclass.2）TheSimpleJigsawstrategy,whichinvolvesfour-personteamssplittingateacher-assignedtaskintoequalparts.Eachstudentinthegroupactsasan"expert"ononesectionoftheassignmentandmeetswithcorresponding"experts"inothergroupsfordiscussionandtaskmastering.Studentsthenreturntotheirinitialteamstosharetheirknowledgeofthetaskwithothermembers.3）TheThree-StepInterviewstrategy,throughwhichstudentsinitiallybreakintopairsandtaketurnsinterviewingoneanotheraboutanassignment.Eachpairofstudentsthencombinewithanotherpairinordertoenhancethediscussion.4）TheNumberedHeadsTogetherstrategy,whereeachteammemberisassignedanumber,theninstructedtocollaborateonaquestion.Theteacherthencallsanumberrandomly,andthestudentineachgroupwhohasthatnumberactsasspokespersoninansweringthequestion.Eachstudentmustbepreparedforthepossibilityofhavinghisorhernumberchosen.Thebenefitsofcollaborativelearningandspecialneedsstudentshavingtheopportunitytoengageinsmallgrouptaskscanproducepositiveresultsinregardtoclassroomorganizationandmanagement.Teacherswhoresearchtipsoncollaborativelearningandimplementthepracticewithstudentsarelikelytohaveasuccessfulinclusionclassroom.WhichfollowingoneisNOTtrueaboutthe?SimpleJigsawstrategy?？（）A)Taskmasteringstudentsworkonateacher-assignedtaskB)Itinvolvesfour-personteamsC)Eachstudentinthegroupactsasan?expert?D)teacher-assignedtaskisdividedintoequalparts答案:A解析:本题考查细节理解。【关键词】nottrue;SimpleJigsawstrategy【主题句】第5自然段TheSimpleJigsawstrategy,whichinvolvesfour-personteamssplittingateacher-assignedtaskintoequalparts.Eachstudentinthegroupactsasan"expert"ononesectionoftheassignmentandmeetswithcorresponding"experts"inothergroupsfordiscussionandtaskmastering.Studentsthenreturntotheirinitialteamstosharetheirknowledgeofthetaskwithothermembers.简单的拼图策略，它由四人组成一组，将教师分配的任务分成相等的部分。小组中的每一个学生在作业的一部分担任?专家?，并在其他小组与同一任务的?专家?进行讨论和任务掌握。然后，学生返回到最初的团队，与其他成员分享任务的知识。本题的问题是?关于简单的拼图策略，以下哪一项是不正确的？?。主题句中，B、C、D三个选项均有涉及，故选A。选项A强调任务是由教师分配的，因此错误。[单选题]29.我国金融机构的雏形始于（）。A)唐代B)宋代C)明代D)清代答案:A解析:我国金融机构的雏形始于唐代，到了明末清初，以?票号?、?钱庄?为代表的早期金融业已十分发达。[单选题]30.假如通货膨胀的初始原因是成本推动，如果没有（）的伴随，将会出现生产萎缩，失业增加，最终引起严重的经济萧条。A)供给减少B)供给增长C)需求减少D)需求增长答案:D解析:通货膨胀（Inflation）-般指：因货币供给大于货币实际需求，而引起的一段时间内物价持续而普遍地上涨现象。实质是社会总需求大于社会总供给。[单选题]31.资料：Globalbusinesstraveltopped$1.2trillionandisexpectedtoreach$1.6trillionby2020,accordingtonewresearchbytheGlobalBusinessTravelAssociation（GBTA）,anassociationrepresentingtheinterestsofcorporatetravelmanagers.What?smoreChinahasnowsurpassedtheU.S.asthelargestbusinesstravelmarketintheworld,ringingup$291billionlastyear.Atthesametime,allisnotrosyandanumberofmajorissuesarelurkingahead.Aweakeningglobaleconomy,Brexitandthisyear?sU.S.presidentialelectionwillmeangrowthwillnotbeastraightlineupwards.?Theuncertaintycreatedbyfinancialupheavalandpendingchangestotradeandimmigrationruleswillraisemanagementheartburn.Thiswillcausesomepostponement,evenoutrightcancellation,ofbusinesstrips.Itmayalsotriggertravelbudgetconstrictionasmanagementseekstohedgetheuncertainty.?thereportsays.AtthesametimeConcur,acompanythatprovidessupportservicesfortravelmanagers,releasedthatthesharingeconomyisgainingtractionwithbusinesstravelers,basedonitsanalysisof40millionuserswhospendover$70billionannually.Concurdataindicates56percentgrowthforAirbnbtypeservicesinusagefromQ12015toQ12016.Onaverage,businesstravelersstayfivenightswhenhomesharingversusthreenightsinahotel.?Managingtravelandexpenseisbecomingincreasinglycomplex,betweenintegrationwithmobiletechnology,nuancesintravelerpreferences,andnewtravelsupplierstrategies,?notesRobbNielsen,vicepresidentofglobalproduceexperienceatConcur.?Thisdemandsafullyconnectedtravelandexpenseecosystempairedwithactionableinsights,givingtravelmanagersthevisibilityandcontroltheyneedtodrivecostsavings.?Apressreleasedadded,?Thevastmajorityofbusinesstravelersalsowanttoreceivepersonalizedtraveloptions.However,eventhoughbusinesstravelerswantpersonalizedoptions,theyarehesitanttosharetoomuchpersonalinformationtoobtainthem.Theyarecommonlywillingtosharedetailssuchastheirfrequentflyerorhotelloyaltynumber,preferredairlineandhotelbrandsandaircraftseatpreferences,butfewerthanhalfwouldsharetheirtravelhistory,preferredleisureactivitieswhiletraveling,theirbusinesscalendarwithbookedappointmentsandtheirsocialmediaaccountnames.?Whichfactordoesn?tcometotravelagent?smindwhenhandlingbusinesstrips?A)Traveldestinations?financialconditions.B)Travelsuppliers?strategies.C)Travelers?Preference.D)MobileTech.答案:A解析:本题考查细节理解。【关键词】whichfactor；handlingbusinesstripsdoesn?tcometotravelagent?smind【主题句】倒数第二自然段Managingtravelandexpenseisbecomingincreasinglycomplex,betweenintegrationwithmobiletechnology,nuancesintravelerpreferences,andnewtravelsupplierstrategies...在与移动技术的集成、旅行者偏好的细微差别和新的旅行供应商战略之间，旅行和消费的管理变得越来越复杂。本题问的是?在办理商务旅行时，哪些因素不会影响到旅行社？?选项A意为?旅游目的地的财务状况?；选项B意为?旅游供应商的策略?；选项C意为?旅客的偏好?；选项D意为?移动技术?。[单选题]32.整存整取定期储蓄存款存单未到期，部分支取次数只限（）次。A)1B)2C)3D)4答案:A解析:A整存整取定期储蓄存款存单未到期，提前支取的，可以支取全部存款或一部分存款，但一张存单以提前支取一次为限。[单选题]33.（）年，在美国宾夕法尼亚大学制成了世界上第一台真正能自动运行的电子数字计算机。A)1946B)1945C)1942D)1949答案:A解析:[单选题]34.CimberDatahas,asanorganization,20yearsofexperienceworkingwithairlinemaintenance,MROandrelatedfunctionsinmanydifferentairlineenvironments.A)workingB)supplyingC)providingD)experimenting答案:A解析:本题考察词义辨析，题目意为?CimberData是一个有着20年丰富工作经验的组织，主要从事许多不同航空环境下的航班维护、设备维修及相关功能工作。?A选项意为?工作?，B选项意为?供应?，C选项意为?供给?，D选项意为?实验?。根据句意应为该组织具备丰富工作经验。[单选题]35.资料：Italy'snextgovernment,acoalitionbetweenthepopulistFiveStarMovementandthefar-rightNorthernLeague,isgivinginvestorsplentytoworryabout.Leakedplans,hastilyabandoned,suggesteditmightwanttoleavetheeuroorasktheEuropeanCentralBan