银行招聘考试综合知识(习题卷35)

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35)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：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflightsFriday,April11,2008ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNewsAmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheistaking?personalresponsibility?forthebadmaintenancethathasforcedthecarriertocancelsome3,000flightsthisweekforaircraftinspections.MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,whenAmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-basedcarrierhascanceled570flightsscheduledtoday.?Irunthecompany.?Mr.Arpeytoldreportersatanafternoonnewsconference.?soifthere?sanyblametobehad,itismyfault,andItakefullresponsibilityforthis.?Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectorsandengineersworkedtoensurethatthecarrier?sfleetof300MD-80jetswouldmeetFederalAviationAdministration（FAA）regulations.TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptionstocontinueintotheweekend,althoughanairlinespokesmansaidSaturday?scancellationsshouldbefewerthantoday?s.OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmorethan18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnessesintherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.TheFAAhassaidinrecentdaysthatitsenforcementhasn?tchangedorbecomestricter.ButSenatorKayBaileyHutchisonsaidairlineshavetoldherthey?venoticeddifference.?Thestandardisnowbeingvery,veryrigidlyenforcedandleewayisbeingtakenaway.?Ms,Hutchisonsaid.?Ican?tsayifit?sfoodorbad.ButIknowthatit?schanged.?Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.Whatsituationisbeingreportedinthepassage?A)AmericanAirlinesistryingtomeettheFAAregulations.B)AmericanAirlinesiscanceling570flightstoday.C)AmericanAirlinesisblamingitsCEOGerardArpey.D)AmericanAirlinesismakinginternalinspections.答案:A解析:本题考查主旨大意。【关键词】Whatsituation;beingreported;inthepassage【主题句】第一段AmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheistaking?personalresponsibility?forthebadmaintenancethathasforcedthecarriertocancelsome3,000flightsthisweekforaircraftinspections.美国航空公司董事长兼首席执行官杰拉德阿佩周四表示，他正在为维修不善而承担?个人责任?，这迫使承运人由于飞机检查本周取消大约3,000架次航班。第四段Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectorsandengineersworkedtoensurethatthecarrier?sfleetof300MD-80jetswouldmeetFederalAviationAdministration（FAA）regulations.周四，美国航空公司取消了930多次航班，其机械师、质量保证检查员和工程师致力于确保该航空公司的300架MD-80喷气机机队符合美国联邦航空管理局（FAA）的规定。题目意为?这段文章正在报道什么情况？?选项A意为?美国航空公司正试图达到FAA的规定?；选项B意为?美国航空今天取消570班航班?；选项C意为?美国航空公司正在责怪其首席执行官杰拉德阿佩?；选项D意为?美国航空正在进行内部检查?。根据原文，文章主要报道了美国航空公司取消了大量航班，来进行航空检查，以符合美国联邦航空管理局（FAA）的规定，因此选项A与题意更相符。[单选题]2.公共物品的市场需求曲线是消费者个人需求曲线的（）。A)算术平均数B)加权算数平均数C)水平加总D)垂直加总答案:D解析:公共物品的市场需求曲线是消费者个人需求曲线的垂直加总。[单选题]3.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.WhichofthefollowingisNOTtrueaboutParis,accordingtothepassage?A)MergerofNYSEwithEuronextmakesitthebiggestfinancialcenterinEurope.B)Theexcessiveregulationandhightaxeshaveaffecteditsfinancialdevelopment.C)Parishasmanyadvantagesthatmayhelpinitsfuturefinancialdevelopment.D)Parisoffersgoodqualityoflifeaswellasgoodtransportlinks.答案:A解析:本题考查的是细节理解和同义转换。【关键词】nottrue;Paris【主题句】第4自然段ParishaslonglaggedfarbehindLondon,doggedbyareputationforexcessiveregulationandhightaxes.YetParishasmanyadvantages:alargenumberofinternationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParisoffersanattractivequalityoflifeandhasgoodtransportlinks.长期以来，巴黎一直落后于伦敦，因其过度监管和高税收而闻名。然而，巴黎有许多优势：大量的国际银行；比法兰克福更多的国际公司；易于接近监管机构。它拥有欧洲最大的共同基金交易市场。很少有人会质疑，巴黎的生活质量有吸引力，交通也很好。本题的问题是?根据文章，以下关于巴黎的说法哪一项是不正确的？?。根据主题句可知，B、C、D均正确，故选A。本题为选非题，[单选题]4.审计证据的()是指审计证据能如实反映客观事实。A)可靠性B)及时性C)相关性D)谨慎性答案:A解析:审计证据的可靠性是指审计证据能如实反映客观事实。[单选题]5.?没有哪一次巨大的历史灾难，不是以历史的进步为补偿的。?恩格斯这句话蕴含的哲理是（）。A)矛盾双方相互排斥B)矛盾双方相互渗透C)矛盾双方在一定条件下相互依存D)矛盾双方在一定条件下相互转化．答案:D解析:恩格斯这句话表明的是历史灾难和历史的进步作为矛盾的双方在一定条件下可以相互转化。本题答案为D。[单选题]6.HesaidtheUKgovernmentwouldallowtheislandtodetermineitsown____anddemocracy.A)equalityB)enhancementC)agreementD)development答案:A解析:本题考查词语意思。题目意为?他说，英国政府会允许该岛决定自己的平等和民主。?A项意为?平等?。B项意为?增加、放大?。C项意为?协议、同意?。D项意为?发展、开发?。因此选A项，决定自己的平等和民主。[单选题]7.资料：Beingfinanciallysecureinretirementjustdoesn'thappenmagically.Ittakeslotsofplanning,timeandsavings.Somescaryfactsaboutretirement:Morethan50%ofpersonsdonothaveenoughfinancesforretirement.25%donotparticipateintheircompany'sretirementplan.Theaveragepersonspends20yearsinretirement.Herearesometipstohelpyouplancorrectly:1.Talktoafinancialprofessional.Everyfewyears,it'sagoodideatoscheduleameetingwithafinancialplannertogeta?check-up?.It'sjustlikeadoctor'svisit,andyoushouldreallytalkaboutyourpresentsituationandfuturegoals.2.Save,save,andkeeponsaving.Makeitahabittosaveasmuchasyoucan.3.Learnyourretirementneeds.Retirementcanbeexpensive.Learnfromtodayhowmuchyouneedtosaveforyourretirement.Talktoafinancialplanner,orfindanonlineretirementcalculator.4.Takepartinyouremployer'sretirementplans.Ifyourcompanyoffersone,itisusuallythebesttoolyoucanuse.Talktoafinancialprofessionalforallyouroptions.5.Learnaboutpensionplans.Ifyouhaveanemployerorgovernmentpensionplan,learnallthedetails.6.Keepyourretirementsavingsoff-limits.Don'tmakeawithdrawaluntilyouretire.Youmightincurpenaltiesanditwillbeasetbackforrealizingyourgoals.7.Getyouremployertostartone,anditcanhelpyoutremendously.8.Learnaboutyourgovernment'sretirementplans.Everycountryhasdifferentplans,somewithspecialtaxincentives,solearnwhatyourcountryoffersandplanaccordingly.9.Doyourownresearch.UsetheInternet,readthenewspapersandmagazines,talktoyourfriends,tofindoutasmuchasyoucanaboutretirement.WhichofthefollowingisNOTtrueaboutretirement?A)Morethanhalfofpeopledon?thaveenoughfinancesforretirement.B)quarterofpeopledon?ttakepartintheircompany?sretirementplan.C)Noonecanbefinanciallysecureinretirement.D)Theaveragepersonwillspend20yearsinretirement.答案:C解析:本题考查的是细节理解。【关键词】nottrue;retirement【主题句】第二自然段1.Morethanofpersonsdonothaveenoughfinancesforretirement.超过的人没有足够的资金用于退休。2.donotparticipateintheircompany?sretirementplan.没有参与公司退休计划。3.Theaveragepersonspends20yearsinretirement.一般人花费20年时间退休。题干意为?以下哪个关于退休的选项不正确？?选项A意为?半数以上的人没有足够的资金用于退休?；选项B意为?四分之一的人没有参加公司的退休计划?；选项C意为?没有人可以在经济上安全退休?；选项D意为?一般人花费20年时间退休?。根据主题句，结合题意选C。[单选题]8.资料：Everyoneknowsairlinepricingisbasedonsupplyanddemand.FaresaremoreexpensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropeancapitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandforRomemustbehigherorsupplylower.What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylowerpricefortheexactsameflightifyouagreetogoontoanotherdestination.TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlytoRomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.Comparethatto$903foraround-trip,economytickettoMilan（stoppinginRome）leavingJFKontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflytoRomefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflighttoMilan?Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravelandchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketissegmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.（Theyalsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourageyoutoflydirect.）Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscan'tbetransferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthefreemarket,shouldn'tcustomersbeallowedtodothesamething?Whymaypricesfordirectflightsbehigheraccordingtothepassage?A)Becauseallpeopleprefertheshortestroutetotheirdestination.B)Becauseairlinestakeadvantageofpeople?spreferencefordirectflights.C)Becauseconnectingflightsmaycausesomeinconvenience.D)Becauseairlineschargecustomersdifferentpricesforthesameproduct.答案:B解析:本题考查的是细节理解。【关键词】directflights；higher【主题句】第4自然段Airlinesknowmostpeopleprefertheshortestroutetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.航空公司知道大部分人更喜欢乘坐更短航线到达目的地，因此他们利用直飞的优势让乘客多付钱。题目意为?根据文章，直飞航线的价格为什么更高？?选项A意为?因为所有人更喜欢乘坐更短航线到达目的地?，选项B意为?因为航空公司利用人们更喜欢直飞的特点?，选项C意为?因为联程航班会引起不便?，选项D意为?因为航空公司同样的产品提供不同价格?，根据主题句，[单选题]9.()是指在一定时期内多次记录发生的同类型经济业务的原始凭证。A)累计凭证B)一次凭证C)汇总凭证D)积累凭证答案:A解析:累计凭证是指在一定时期内多次记录发生的同类型经济业务的原始凭证；一次凭证是指一次填制完成、只记录一笔经济业务的原始凭证；汇总凭证也称原始凭证汇总表，是指对一定时期内反映经济业务内容相同的若干张原始凭证，按照一定标准综合填制的原始凭证。[单选题]10.既包含政府的行政职责，也包含政府的行政功能的是（）。A)行政计划B)行政领导C)行政职能D)机关管理答案:B解析:[单选题]11.下列关于网络带宽的说法错误的是（）。A)在数字设备中．带宽有时候以bps表示B)带宽容量只取决于上网电脑的运行速度C)带宽指在固定的时间可传输的资料数量D)高带宽允许更快速的数据传输答案:B解析:在计算机网络、IDC机房中，其网络传输速率的单位用b／s(比特每秒)(或bit／s，有时也写作bps，即bitpersecond)表示。所以A是正确的。带宽的实际含义是在给定时间等条件下流过特定区域的最大数据位数。所以C、D也是正确的。影响带宽容量的因素有很多，比如网络设备(交换机、路由器、集线器)；数据类型；用户的数量；客户机与服务器(如系统总线、磁盘性能、网络适配器、硬件防火墙)；电力系统和自然灾害引起的故障率。所以B项是不对的。[单选题]12.下列不属于新型的业务运营模式的优点的是（）。A)前台营业网点业务操作规范化、工序化B)实现业务集约化处理C)前台后台紧密结合，在空间上一体，业务处理快捷，管理半径短，方便灵活D)提高风险防范能力答案:C解析:新型的业务运营模式与传统的业务运营模式相比，有以下优点：（1）前台营业网点业务操作规范化、工序化；（2）实现业务集约化处理；（3）实现效率提升；（4）提高风险防范能力；（5）大大降低成本。C选项的说法是传统的业务运营模式的优点。[单选题]13.下列储蓄存款中，使用复利计取利息的是（）。A)3年期整存整取的定期存款B)6年期的教育储蓄存款C)活期存款D)定活两便储蓄存款答案:C解析:除活期存款在每季结息曰将利息计入本金作为下季的本金计算复利外，其他存款不论存期多长，一律不计复利。故C选项正确。[单选题]14.根据《企业破产法》的规定，第一次债权人会议由（）召集。A)占债权总额最大的债权人B)管理人C)人民法院D)债权人会议主席答案:C解析:据新颁布的《企业破产法》的规定，第一次债权人会议由人民法院召集主持。[单选题]15.资料：Acknowledgingthatso-calledcloudcomputingwillblurthedistinctionsbetweencomputersandnetworks,abouttwodozenbiginformationtechnologycompaniesplantoannounceanewstandards-settinggroupforcomputernetworking.Thegroup,tobecalledtheOpenNetworkingFoundation,hopestohelpstandardizeasetoftechnologiespioneeredatStanfordandtheUniversityofCalifornia,Berkeley,andmeanttomakesmallandlargenetworksprogrammableinmuchthesamewaythatindividualcomputersare.Thechanges,ifwidelyadopted,wouldhaveimplicationsforglobaltelecommunicationsnetworksandlargecorporatedatacenters,butalsoforsmallhouseholdnetworks.Thebenefits,proponentssay,wouldbemoreflexibleandsecurenetworksthatarelesslikelytosufferfromcongestion.Someday,theysay,networksmightevenbelessexpensivetobuildandoperate.Thenewapproachcouldallowforsettingupon-demand"expresslanes"forvoiceanddatatrafficthatistime-sensitive.Oritmightletbigtelecommunicationscompanies,likeVerizonorAT&T,usesoftwaretocombineseveralfiberopticbackbonestemporarilyforparticularlyheavyinformationloadsandthenhavethemautomaticallyseparatewhenadatarushhourisover.Forhouseholds,thenewcapabilitiesmightletInternetserviceprovidersofferremoteserviceslikehomesecurityorenergycontrol.Thefoundation'sorganizersalsosaythenewtechnologieswillofferwaystoimprovecomputersecurityandcouldpossiblyenhanceindividualprivacywithinthee-commerceandsocialnetworkingmarkets.Thosemarketsarethefastest-growingusesforcomputingandnetworkresources.Whilethenewcapabilitiescouldbecrucialtonetworkengineers,forbusinessusersandconsumersthechangesmightbenomorenoticeablethanadvancesinplumbing,heatingandair-conditioning.Everythingmightworkbetter,butmostuserswouldprobablynotknow-orcare-whyorhow.ThemembersoftheOpenNetworkingFoundationwillincludeBroadcom,Brocade,Ciena,Cisco,Citrix,Dell,DeutscheTelekom,Ericsson,Facebook,Force10,Google,Hewlett-Packard,I.B.M.,Juniper,Marvell,Microsoft,NEC,Netgear,NTT,RiverbedTechnology,Verizon,VMWareandYahoo."Thisanswersaquestionthattheentireindustryhashad,andthatishowdoyouprovideownersandoperatorsoflargenetworkswiththeflexibilityofcontrolthattheywantinastandardizedfashion."saidNickMcKeown,aprofessorofelectricalengineeringandcomputerscienceatStanford,wherehisandcolleagues'workformspartofthetechnicalunderpinnings,calledOpenFlow.TheeffortisadeparturefromthetraditionalwaytheInternetworks.Asdesignedbymilitaryandacademicexpertsinthe1960s,theInternethasbeenbasedoninterconnectedcomputersthatsendandreceivepacketsofdata,payinglittleheedtothecontentandmakingfewdistinctionsamongthevarioustypesofsendersandreceiversofinformation.TheintelligenceintheoriginalInternetwasmeanttoresidelargelyattheendpointsofthenetwork-thecomputers-whilethespecializedroutingcomputerswererelativelydumbpostofficesofvarioussize,mainlyconfinedtoreadingaddressesandtransferringpacketsofdatatoadjacentsystems.Butthesedays,whencloudcomputingmeansalotoftheinformationisstoredandprocessedoncomputersoutonthenetwork,thereisgrowingneedformoreintelligentcontrolsystemstoorchestratethebehaviorofthousandsofroutingmachines.Itwillmakeitpossible,forexample,formanagersoflargenetworkstoprogramtheirnetworktoprioritizecertaintypesofdata,perhapstoensurequalityofserviceortoaddsecuritytocertainportionsofanetwork.ThedesignersarguethatbecauseOpenFlowshouldopenuphardwareandsoftwaresystemsthatcontroltheflowofInternetdatapackets,systemsthathavebeenclosedandproprietary,itwillcauseanewroundofinnovationfocusedprincipallyuponthevastcomputingsystemsknownascloudcomputers."Orchestrate"inPara.5probablymeans______A)harmonizeB)complyC)integrateD)conform答案:A解析:本题的问题是?第五自然段的?Orchestrate?可能的含义是______?。根据主题句可知，"Orchestrate"意为?协调?，故选A。[单选题]16.AirBus?world-renownedhot-sectionengineering______theneedsofindustrialgasturbinecustomers.A)repliesB)answersC)freesD)addresses答案:D解析:本题考查动词词义辨析。题目意为?国际知名的航空客车热区工程满足了工业燃气轮机客户的需求。?A选项?回复?，B选项?回答?，C选项?放飞?，D选项?解决，处理?。addresstheneedsof固定搭配，?满足……的需要?。[单选题]17.Thankyouforyourrecentorder.Althoughmostofyouritemshave____shipped,theFull-SpectrumDeskLamp（modelB07）istemporarilyoutofstock.A)everB)oftenC)lastlyD)already答案:D解析:A选项意为?曾经、究竟?，B选项意为?常常、时常?，C选项意为?最后、终于?，D选项意为?已经、早已?。题目意为?谢谢你最近的订单。虽然你的大部分产品___发货，但全光谱台灯（型号B07）暂时缺货。?因此选D，虽然你的大部分产品已经发货。[单选题]18.原始投资额不同特别是项目计算期不同的多方案比较决策，最适合采用的评价方法是（）。A)获利指数法B)内部收益率法C)差额投资内部收益率法D)年等额净回收额法答案:D解析:净现值法和净现值率法适用于原始投资相同且项目计算期相等的多方案比较决策，差额投资内部收益率法和年等额净回收额法适用于原始投资不同的多方案比较，后者尤其适用于项目计算期不同的多方案比较决策。[单选题]19.资料：Largeindustrializedarenowinarecession.Whataretheprospectsforeconomicrecovery?Thethreemostimportantindustrialeconomiesintheworldare,atthemoment,facingenormousproblems.Germanyisstrugglingwiththecostofreunificationandisinrecession.JapanisalsoexperiencingrecessionandtheUnitedStateshasalargebudgetdeficit.Forecastersandanalystsfacequestionsabouttheprospectsofaneconomicrecovery.Herearesomeoftheirfindings:TheelectionofanewpresidentoftheUnitedStatesgavehopetotherestoftheworld.IftheUSrecovered,therestoftheworldwouldfaceamorepromisingfuture.However,analystsnowacceptthattheUSwillonlyrecoververyslowly.Consumerandinvestorconfidenceisstilllacking.Largedeficitsanddecliningshort-terminterestratesmeanthereislittlescopeforeconomicstimulus.TheJapaneseeconomy,afteryearsoftradeandbudgetsurpluses,isindeeprecessionandthegrowthratehassloweddownconsiderably.Germaneconomistshaveloweredtheirforecastsforeconomicgrowththisyear.TheloweringofGermaninterestratesmaybringsomerelieftoothermembersoftheEuropeanExchangeRateMechanism（ERM）.However,Germany'simportanceasEurope'slargestexportmarketmaydecline.However,insomepartsoftheworld,therearemorepositivesigns,particularlyinsomeLatinAmericancountriesinSouth-EastAsia.Analystssaysthat,aslongastherateofintereststaysabovetherateofgrowthatnationalincome,thentheratioofdebttoincomewillgetworse.Fallinginterestrateshelptowardsovercomingthisproblem.Theybelieveitmaytakeseveralyearsbeforethereisrealrecovery.However,advancesintechnologyareofferinghopefortheworldeconomy.Findwordsorexpressionsintheabovearticlewhichhavethemeaningof?Theamountbywhichsomethingislessthanwhatisneeded??A)deficitB)surplusesC)declineD)recession答案:A解析:本题考查的是推理判断。【关键词】meaning;theamount；lessthanneeded【主题句】第五自然段Largedeficitsanddecliningshort-terminterestratesmeanthereislittlescopeforeconomicstimulus.巨大的赤字和下跌的短期利率意味着经济刺激前景堪忧。题目意为?以下哪个词的意思是?数量低于所需?？?选项A意为?赤字?，即支出大于收入，符合题意；选项B意为?过剩?，sur-前缀表示?超过?，选项C意为?下降?，选项D意为?衰退?，均不符合题意。[单选题]20.发展市场经济，必须建立以市场形成价格为主体的价格形成机制，这主要是因为（）。A)市场形成价格是保证价格等于价值，实行等价交换的唯一途径B)市场形成价格才能促进竞争，有效反对垄断C)市场形成价格才能保证价格反映价值和供求关系D)市场形成价格才能保证商品交换正常进行答案:C解析:发展市场经济，必须建立以市场形成价格为主体的价格形成机制，原因是只有市场形成价格才能保证价格反映价值和供求的关系．引导资源合理流动。[单选题]21.下列不属于我国《刑法》基本原则的是（）。A)罪刑法定原则B)法律面前人人平等原则C)罪刑相当原则D)罪刑合理原则答案:D解析:我国《刑法》的基本原则是：罪刑法定原则、罪刑相适应原则、法律面前人人平等原则。[单选题]22.政府机构改革中的?三定?是指（）。A)定任务、定人员、定机构B)定职能、定机构、定职务C)定任务、定职务、定职位D)定职能、定机构、定编制答案:D解析:1998年开始国务院机构改革，1999年开始地方各级政府机构改革。政府机构改革要求对政府机构职能进行配置和调整，任务之一就是实行定职能、定机构、定编制的?三定?。答案为D。[单选题]23.银行本票提示付款期限为（）。A)1周B)2个月C)6个月D)1年答案:B解析:银行本票提示付款期限为2个月。[单选题]24.农业银行的使命是（）。A)面向?三农?、服务城乡、回报股东、成就员工B)违规就是风险、安全就是效益C)以市场为导向、以客户为中心、以效益为目标D)诚信立业，稳健行远答案:A解析:中国农业银行使命：面向?三农?，服务城乡，回报股东，成就员工。[单选题]25.中国古代文人喜欢借物抒情，借以自然物来表现自己的思想品格和对精神境界的追求，南宋画家马远就绘有?岁寒三友图?。?岁寒三友?历来被中国古今文人们所敬慕，以此比喻忠贞的友谊。?岁寒三友?所指的植物是（）。A)松、竹、梅B)梅、兰、菊C)松、竹、菊D)兰、竹、菊答案:A解析:@jin[单选题]26.TheFIFAWorldCupsoccerchampionshipinRussiaisthemostcostlyeverheld。Now，expertsquestionwhethertherewillbeagood______fortheRussiantaxpayer。A)responseB)refundC)returnD)report答案:C解析:本题考查形近词辨析。题目意为?在俄罗斯举行的国际足联世界杯足球锦标赛是有史以来最昂贵的。现在，专家们质疑是否会对俄罗斯纳税人有好的回报。?A选项?响应，反应?，B选项?退还，偿还?，C选项?归还，回报?，D选项?报告，报道?。returnforsb.回报某人，C选项正确。[单选题]27.在我国，一般把每年的（）作为一个会计年度。A)3月1日至2月28日B)1月1日至12月31日C)4月1日至3月31日D)1月1日至1月31日答案:B解析:在我国，一般把每年的1月1日至12月31日作为一个会计年度。[单选题]28.下列说法，错误的是()。A)我国商业银行经营活动的不确定性越来越高，表外信息的内容也在不断扩展B)我国商业银行会计信息披露已逐渐从会计报表披露为主转向会计报表、会计报表附注及其他财务会计报告共同披露的新的发展阶段C)我国在会计信息披露方面存在很多问题D)与会计报表披露相比，会计报表附注披露比较强大答案:D解析:随着金融体制改革的不断深入以及金融业对外开放的扩大，我国商业银行经营活动的不确定性越来越高，表外信息的内容也在不断扩展。《金融企业会计制度》中明确规定：商业银行的财务报告由会计报表、会计报表附注和财务情况说明书构成。这标志着我国商业银行会计信息披露已逐渐从会计报表披露为主转向会计报表、会计报表附注及其他财务会计报告共同披露的新的发展阶段。然而，由于各方面因素的影响，我国在会计信息披露方面存在很多问题，与会计报表披露相比，会计报表附注披露比较薄弱。[单选题]29.某农村信用社按照年初制定的存款计划，当年存款比上年增加30%，但因当地大旱使农业生产受到严重影响，致使该信用社存款比计划少完成10%。那么，该信用社同上年相比，当年存款实际增长（）。A)10%B)17%C)20%D)40%答案:B解析:假设上年存款额为X元，则本年的存款额应为X(1+30%)(1-10%)元，所以本年的存款增长率为[X(1+30%)(1-10%)/X]-1=17%。[单选题]30.通货膨胀对收入和财富进行再分配的影响是指（）。A)造成收入结构的变化B)使收入普遍上升C)使债权人收入上升D)使收入普遍下降答案:A解析:通货膨胀会对社会不同集团的人产生不同的影响：通货膨胀不利于靠固定货币收人维持生活的人，有利于靠变动收人维持生活的人；通货膨胀不利于债权人，有利于债务人;通货膨胀不利于按累进税率交纳所得税的社会公众，有利于政府。可见，通货膨胀将造成收入结构的变化。[单选题]31.IntheheartofPatagoniaarea,glaciersriseinthemidstofmountaincapesandalpinemeadows,closeenoughtohikerightuptoand（）.A)touchedB)touchC)touchingD)beingtouched答案:B解析:四个选项皆为touch?触摸?的不同形式。题目意为?在巴塔哥尼亚的中心地带，冰川跃然于百岳和高山草甸之中，近得足够徒步攀登和触摸。?and连接的两个并列结构时态应该保持一致，而本题中and连接的前面的词是hike，是动词原形，所以touch也应该使用动词原形。因此选B。[单选题]32.下列各项属于长期负债的有（）。A)应收账款B)应付账款C)其他应付款D)应付债券答案:D解析:[单选题]33.下列说法中正确的是()A)在产量的某一变化范围内，只要边际成本曲线位于平均成本曲线的上方，平均成本曲线一定向下倾斜B)当边际成本等于平均成本时，总成本达到最大C)长期平均成本曲线在达到一定的产量水平以后趋于上升，是由边际报酬递减规律所造成的D)短期边际成本曲线在达到一定产量水平后趋于上升，是由边际报酬递减规律所造成的答案:D解析:在产量的某一变化范围内，只要边际成本曲线位于平均成本曲线的上方，平均成本曲线一定向上倾斜，A选项说法错误；随着产量的增加，总成本也是增大的，没有最大值的存在，B选项说法错误；长期平均成本曲线在达到一定的产量水平以后趋于上升，是由于规模不经济造成的，C选项说法错误。[单选题]34.___mightbeexpected,theresponsetothequestionwasverymixed.A)ItB)AsC)ThatD)What答案:B解析:本题主要考查定语从句，全句意为?正如所预料的那样，对这个问题的回答各式各样。?考点定语从句[单选题]35.Weutilized______films,semi-formalinterviewsandparticipantobservationtoexploretherelationshipbetweenurbanlivelihoodsandartcreation.A)silentB)romanticC)documentaryD)document答案:C解析:本题考查固定搭配。题目意为?我们运用纪录片、半正式访谈和参与者观察等方法，探讨城市生计与艺术创作之间的关系。?根据句意，空格处应为纪录片、纪录电影这种能够体察社会实情的艺术形式。A选项?无声电影?，B选项?浪漫电影?，C选项?纪录片?，D选项?文件?，不接电影。固定搭配documentaryfilm纪录片、纪录电影。[单选题]36.ActionAidalsoaccusesBritishFoods______usingitsbranchcompaniestoreduceitstaxesinAfricabymillionsofdollars.A)inB)ofC)forD)to答案:B解析:本题考查介词辨析。题目意为?行动救援还指控英国食品公司利用它的分公司减少它在非洲的税收，达数百万美元。?题干中，accuseof为固定搭配，意为?指责，指控?，因此B选项正确。[单选题]37.资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho?dbeenpushinganendangeredlistingsaidtheproposalwasa?turningpoint?theyhopewillleadtogreaterturtleprotections.?Ithinkit?shugedayforloggerheadseaturtles,?saidBethRiff,amarinewildlifescientistatOceana.?itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.?Withallthatattentiontopaidtothem,you?dthinkthesecreatureswouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsoffairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledbyfishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesinFloridaoverthelastdecadeasevidenceoftrouble.Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehardshellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakeafrenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.BarbaraSchoder，nationalseaturtlecoordinatorforNOAA?sfisheriesdivision,saidthebiggestthreatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainlyinJapan，aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSanFrancisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlonglinefishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,themainthreattoturtlesisgearfromtheregion?svariousfishenesSchodersaid.Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthespecies,Riffsaid.Butthegovernmentwouldalsohavetodetermine?criticalhabitats，?suchaswheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfortheturtles,includingrestrictionsonmaritimedevelopmentorfishing.Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobalwarmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhichtheturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherbythreatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesaswell,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leavingourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.Itcanbelearnedfromt