2024年全国银行招聘之银行招聘综合知识考试经典测试题附答案

姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 姓名:_________________编号:_________________地区:_________________省市:_________________ 密封线 密封线 全国银行招聘考试重点试题精编注意事项:1.全卷采用机器阅卷，请考生注意书写规范；考试时间为120分钟。2.在作答前，考生请将自己的学校、姓名、班级、准考证号涂写在试卷和答题卡规定位置。

3.部分必须使用2B铅笔填涂;非选择题部分必须使用黑色签字笔书写，字体工整，笔迹清楚。

4.请按照题号在答题卡上与题目对应的答题区域内规范作答，超出答题区域书写的答案无效:在草稿纸、试卷上答题无效。一、选择题

1、Beforestartingtowriteeffectanalysisessay,oneshould_____betweencauseandeffect.A.disguiseB.distinguishC.diminishD.derive

2、中国人民银行从l984年开始执行中央银行职能后的一段时间内所使用的最主要的货币政策工具是（）。A.利率B.存款准备金率C.贷款计划D.公开市场业务

3、按贷款风险分类法，借款人无需足额偿还贷款本息，即使执行担保，也肯定要造成较大损失的贷款应归为（）。A.正常B.关注C.次级D.可疑

4、上海世博会会徽图案以中国汉字“世”字书法创意为形，寓意三人合臂相拥，状似美满幸福、相携同乐的家庭，也可抽象为“你、我、他”广义的人类，表达了世博会“理解、沟通、欢聚、合作”的理念。世博会会徽的设计体现了（）。A.意识是大脑特有的机能B.意识活动具有客观实在性C.意识活动具有主观随意性D.意识是客观存在的主观映象

5、资料：Doyouwanttoseetheworld?ThenplantovisittheSilverPoseidonCruisesCareerFaironTuesday,November15from9a.m.to4p.m.orWednesday.November16from5p.m.to9p.m.Wearelookingforfoodservice,entertainers,andmaintenancesstafftoworkaboardourmanyvessels.FreetravelisjustthebeginningwhenyouworkforSilverPoseidonCruises.Weofferpaidtraining,greatbenefits,andopportunitiestoadvance.Applicantsshouldhaveatleastthreeyearsofrelatedworkexperienceaswellasgoodcommunicationskillsandbeabletoworknightsandholidays.SelectedapplicantswillbecalledbackforasecondinterviewbySunday,November20.Foradvanceregistration,pleasevisitourWebsiteatbySunday.November13.Formoreinformation,Pleasecall1-800-555-7962Ore-mailElenaRuizateruiz@Howareinterestedpeopleinstructedtoregister?A.Bysendingane-mailB.BygoingtotheWebsiteC.BycallingMs.RuizD.Byvisitingthecorporateoffice

6、国家卫健委日前明确，持核酸检测阴性证明返乡从2021年1月28日春运开始后实施，至（）春运结束后截止。A.3月8日B.3月1日C.2月28日D.3月6日

7、一次校友聚会有35人参加，在参加联欢会的同学中，每个女生认识的男生人数各不相同，而且恰好构成一串连续的自然数，最多的全认识，最少的也认识12个，这次聚会有（）个女生。A.24B.13C.12D.无法确定

8、Let'sfaceit.Gardeningfanaticslikenothingbetterthantohavetheirhandsstuckinthesoilortobetrimming,pruning,orharvestingthefruitsoftheirlabors.Butforonce,hereisanobsessionwhichbenefitsthewholecommunitybybeautifyingtheenvironmentandproducingcooler,morefragrant,andcleanerair.Torecognizethatfact,theTampaCityCouncilhasdecidedtoawardgenerousprizestothemostbeautifuldisplaysthisspring.RULESOFENTRY1.Sorry,butonlyresidentsoftheCityofTampaareeligible.2.JudgeswillbeselectedbytheTampaCityCouncilonApril25,andnopersonalinformationaboutanyjudgeswillbeprovidedbythecouncil.Judgesmaynotbecontactedbyanyentrant.3.Theappointedjudgeshavetotaldiscretion,andnocorrespondencewillbeenteredintoregardingjudges'decisions.4.AsthemainpointofthiscontestisthebeautificationofTampa,werequirethatallgardensenteredinthecompetitionbeeasilyvisiblefromthestreet.5.Contestantsareinvitedtoenteroneormorecategories.First,second,andthirdplaceprizeswillbeawardedineachcategory:（Seetheapplicationformforcategories）.Judgesmay,wheretheyseefit,changeentriesfromonecategorytoanother.6.ContestantsshouldpermitacouncilphotographertoenterandtakephotographsfordisplayatthefinalawardsceremonyandexhibitiononAugust3.Thesephotographswillremaincouncilproperty.7.Judgeswillassesseachgardenaccordingtothefollowingcriteria:（i）Overalldesign（ii）Planthealth（iii）Color（iv）Contributiontothestreetscape（v）Eco-friendliness（Seetheapplicationformfordetails.）8.Noentrieswillbeacceptedafter5:00p.m.onFriday,May12.9.AllgardensenteredshouldbereadyforjudgingbyJunel.Contestantswillbegiven24-hours'noticeofthejudges'intentiontovisit.10.Thiscompetitionisnotopentocouncilemployeesortheirrelatives,oremployeesofanyagencycontractedbythecouncil,orjudgesortheirrelatives.11.Pleasesendyourentriesto:TampaGardenCompetitionTampaCityCouncil1ConstitutionPlaceTampaTheTampa2006BeautifulGardensCompetitionWhoistheintendedaudienceofthiscontest?A.AllresidentsofTampaB.TheownersofgardeningstoresC.ThemembersoftheTampaCityCouncilD.Thejudgesofthecompetition

9、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

10、（）是指企业对外提供的反映企业某一特定日期财务状况和某一会计期间经营成果、现金流量情况的书面文件。A.资产负债表B.利润表C.会计报表附注D.财务会计报告

11、发生地震时，某大型超市内发生了骚乱，下列人员中，所处位置相对安全的是（）。A.自动电梯上B.奶粉货架旁C.承重柱旁D.收银台旁

12、对于吉芬物品，其替代效应和收入效应，分别与价格成（）变动。A.同向、同向B.同向、反向C.反向、同向D.反向、反向

13、一般来讲，在下列（）经济背景条件下证券市场呈上升走势最有利。A.持续、稳定、高速的GDP增长B.高通胀下的GDP增长C.宏观调控下的GDP减速增长D.转折性的GDP变动

14、国家主席习近平2020年3月6日在京出席决战决胜脱贫攻坚座谈会并发表重要讲话。他强调，到2020年现行标准下的（），是党中央向全国人民作出的郑重承诺，必须如期实现。A.完成扶贫领域作风建设B.贫困地区基本生活改善C.农村贫困人口全部脱贫D.完成易地扶贫搬迁建设

15、以下属于中国银行业协会的会员单位的是（）。A.中国邮政储蓄银行B.证券公司C.金融控股公司D.财产保险公司

16、中国半殖民地半封建社会开端于（）。A.鸦片战争B.马关条约C.辛丑条约D.百日维新

17、世界上最早出现的计算机互联网络是（）。A.InternetB.SNAC.ARPAnetD.Ethernet

18、我国现行劳动争议处理制度为（）。A.一调一裁两审制B.两审终审制C.一调一裁制D.调解制度

19、由于（）的存在，才产生了本期和其他期间的差异，从而出现了权责发生制和收付实现制。A.持续经营B.会计主体C.会计分期D.货币计量

20、某国对某种商品进15的数量或金额规定最高限额．达到限额后便不再允许进15，这种措施称为（）。A.“自动”出口配额B.B进口许可证制C.关税配额D.绝对配额

21、在其他条件不变的情况下，如果央行调高法定存款准备金率，那么货币系数（）。A.保持不变B.将变大C.将变小D.难以确定

22、资料：NowyouarepreparingareportforthebusinessnegotiationwhichwillbeheldnextFriday.Thereare5sentencesexcerptedfromthereport,eachsentencehasfourwordsorphrasesunderlined.Thefourunderlinedportsofthesentencearemarked（A）,（B）,（C）,（D）.Youaretoidentifytheoneunderlinedwordorphasethatshouldbecollectedorrewritten.Then,findthenumberofthequestionandmarkyouranswer.AmericanPresidentBarackObamacalledforswiftpassageoftheSafeguardsforaNewEconomybillasonemeasureintended（A）toimprovelivingconditionsforordinaryAmericancitizens（B）,andTreasurySecretaryPaulKrugmanstressedtheimportanceofthisbillsayingthatthenewTreasurybillseeksto（C）ensuretheprosperityofallcitizens,otherthan（D）simplysupportinglargecorporationsandthewealthy.A.AB.BC.CD.D

23、TheUnitedStateswilldothatwhichisnecessarytomeetits______toitsowncitizens.A.rulesB.promiseC.principlesD.obligations

24、资料：ThefollowingpassageistheintroductionaboutoneoftheMonsellinternationalfinancialproducts.Accordingtothepassage,therewillbe5questions.Youshouldreadcarefully,thenselecttherightanswer.Passage:Asateenagerbetweentheageof13and18,maybeyouwouldliketomanageyourownmoneyandhaveyourownbankaccount.ThegoodnewsisthatBankofMonsellhasjustlaunchedseveralgreatsolutionsforyou.ThefirstoneistheTeenDiscountedBankPlans（TDBPS）.TDBPSfeatureadiscountof$9.95permonthonyourmonthlybankfee—that’sasavingsofupto$120peryear.It’stheprimaryandmostcommonaccountchosenbynearly45%ofourteencustomers.Ifitisnottoyourliking,maybethefollowingalternativeswhichoffermorediscountandbenefitsonyourbankaccountsareabletomeetyourdemands.InaPlusPlan,youcanhaveupto30transactionspermonthfreeofchargeonasmanyasaccountsasyouneedontheconditionthatyourPrimaryChequingAccountmustbeyourleadaccount,theoneyoudesignatetopayanyfeesrequiredbyyourBankPlan（i.e.monthlyplanfees,transactionfees）.ItincludesPrimaryChequingandupto19moreeligibleaccounts.Youcanmake30transactionseitherinbranch,byphone,online,bymobileoratanATMofBankofMonsell.Fromthe31sttransaction,afeeof$0.7pertransactionwillbecharged.APlusPlanisabletohelpsaveyouupto$288.60ayearonfees.Besides,itenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInteracte–TransferthroughitsOnlineBanking.APlusPlanofferspreferredexchangerateonlywhenbuyingU.S.cash（upto$5,000U.S.pertransaction）.InaPerformancePlan,thenumberoftransactionsisunlimitedonasmanyasaccountsasyouneed,meaningthatyoucanmakeasmanyeverydaybankingtransactionsasyouwantfreeofchargeinbranch,onlineoratanATMofBankofMonsell.Itdoesnotincludephonebankingservices.However,afeeof$4.00amonthischargedforthisservice.ItalsoincludesPrimaryChequingandupto16moreeligibleaccounts.Ithelpsyousaveupto$456.60ayearonfees.Italsoenablesyoutosendmoneygloballytoover200countriesandterritoriesviaInterace–TransferthroughitsOnlineBanking.What’smore,onenon-bankofMonsellATMwithdrawalontheInteracnetworkpermonthisoffered.APerformancePlanofferspreferredexchangeratewhenbuyingorsellingU.S.cash（upto$5,000U.S.pertransaction）.InaPremiumPlanyoucanalsomakeunlimitedtransactionsonasmanyaccountsasyouneedatamonthlyfeeof$15.05.ItincludesPrimaryChequingandupto15moreeligibleaccounts.Theeverydaybankingtransactionsofthisplanshouldbecontrolledfewerthan40,oryouhavetopayafeeof$0.8foreverytransactionbeyond40.Ithelpssaveupto$791.95peryearonfees.What’smore,5non-bankofMonsellATMdebittransactionsontheInteracnetworkand5internationaldebittransactionsusingnon-bankofMonsellATMspermonthisincluded.However,itdoesnothavetheabilitytosendmoneygloballytoanycountryorterritoryviaInterace–TransferthroughitsOnlineBanking.APremiumPlanofferspreferredexchangerateonlywhensellingU.S.cash（upto$5,000U.S.pertransaction）.Youcanapplyforanyoftheseaccountsbyphone,onlineorinperson.Pleasefeelfreetocallusat1-870-226-5266orwriteemailstoBankofMonsellMike@orgetonourwebsiteforanyfurtherdetailsoftheseservicesandproducts.Thepurposeofthewriterinwritingthispassageisto_______.A.introducetheBankofMonsellB.analyzetheproductsofBankofMonsellC.introducecertainproductsandservicesforteensD.showthesuccessoftheBankofMonsell

25、通货紧缩的成因不包括（）。A.生产能力过剩B.货币供应量急剧减少C.政府紧缩财政政策D.社会总需求的过度增长

26、甲有一手表，委托乙保管，乙擅自将手表卖给丙，丙又赠与女友丁，丁戴上3天后在街头被戊抢走，戊后又遗失于街头，为庚拾得。根据《物权法》的规定，对该手表享有所有权的是（）。A.甲B.丙C.丁D.庚

27、下列表述正确的是（）。A.供给曲线的斜率也就是供给弹性B.供给曲线越平坦，说明供给弹性越小C.供给弹性与供给曲线形态无关D.供给弹性小的商品，其供给曲线的斜率必定大

28、“谷贱伤农”经济现象的根源在于：农产品的需求价格弹性（）。A.小于1B.大于1C.等于1D.为0

29、Theunpleasantmemoryofthedespairingshriekoftheprincessatthetrial（）inmymindfordays．A.prolongedB.insistedC.restedD.lingered

30、It'stoo（）todothebungeejumpingfromthecliff.A.residentialB.remoteC.riskyD.ridiculous

31、”ThisisthebestpresentI’veeverreceived,”Marysaidwithasmiletryingto____hertears.A.keepdownB.keepupC.keepbackD.keepat

32、下列关于我国“四大名窟”的说法，错误的是（）A.四大名窟都是以中国佛教文化为特色的B.四大名窟都位于我国南北分界线以北C.四大名窟均始建于魏晋南北时期D.四大名窟分布于我国四个不同省份

33、Passage9Readingisthoughttobeakindofconversationbetweenthereaderandthetext.Thereaderputsquestionsasitweretothetextandgetsanswers.Inthelightoftheseheputsfurtherquestions,andsoon.Formostofthetime,thisconversationgoesonbelowthelevelofconsciousness.Attimes,however,webecomeawareofit.Thisisusuallywhenwearerunningintodifficulties,whenmismatchisoccurringbetweenexpectationsandmeaning.Whensuccessfulmatchingisbeingexperienced,ourquestioningofthetextcontinuesattheunconsciouslevel.Differentpeopleconversewiththetextdifferently.Somestayveryclosetothewordsonthepage;otherstakeoffimaginativelyfromthewords,interpreting,criticizing,analyzingandexamining.Theformerrepresentsakindofcomprehension,whichiswritteninthetext.Thelatterrepresentshigherlevelsofcomprehension.Thebalancebetweentheseisimportant,especiallyforadvancedreaders.Thereisanotherconversationwhichfromourpointofviewisequallyimportant,andthatistodonotwithwhatisreadbutwithhowitisread.Wecallthisaprocessconversationasopposedtoacontentconversation.Itisconcernednotwithmeaningbutwiththestrategiesweemployinreading.Ifweareadvancedreadersourabilitytoholdacontentconversationwithatextisusuallyprettywelldeveloped.Notsoourabilitytoholdaprocessconversation.Itispreciselythiskindofconversationthatisofimportancewhenweareseekingtodevelopourreadingtomeetthenewdemandsbeingplaceduponusbystudyingatahigherlevel.Atalowerlevelofcomprehension,readerstendto（）.A.readatextslowlyB.readwithoutthinkinghardC.interpretatextintheirownwayD.concentrateonthemeaningofwordsonly

34、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21日，人民币汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格局，呈现稳中有升的态势。根据上述资料，回答问题：根据国际货币基金的划分，目前我国香港地区实行的汇率制度是（）。A.货币局制B.传统的盯住汇率制C.事先不公开汇率目标的管理浮动D.单独浮动

35、某家庭2000年总收入为10万元人民币，2012年时，该家庭的总收入增加至38万元人民币，根据恩格尔定律，与2000年相比，2012年该家庭用于食品的支出在家庭总收入中的比重（）。A.保持不变B.将会下降C.将会增长D.无从判断

36、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

37、国务院常务会议决定，自2011年7月1日起启动城镇居民社会养老保险试点工作，2011年试点范围覆盖全国60%的地区，2012年（）。A.覆盖80%B.覆盖85%C.覆盖90%D.基本实现全覆盖

38、远期汇率的期限一般为（）个月。A.1～6B.3～9C.6～9D.6～12

39、在Exce1中，对单元格“$D$2”的引用是（）。A.绝对引用B.相对引用C.一般引用D.混合引用

40、OPECholdsmeetingsfrequentlysoastoregulatetheoutpof__oil.A.firstB.crudeC.originalD.primary

41、一次化妆舞会中，男士戴着蓝色的帽子，女士戴着红色的帽子。每个男士看见的蓝色帽子比红色帽子的2倍还多6个，每位女士看见的蓝色帽子是所见红色帽子的3倍。那么房间里一共有（）人。A.37B.27C.39D.29

42、下列关于公文分类的说法正确的是（）。A.《党政机关公文处理工作条例》按适用范围将公文分为17种B.按公文的来源。可分为收文和发文两种C.按涉及机密的程度，保密公文分为绝密件、秘密件、普通件D.按办文时限要求，分为紧急件、加急件、平件

43、某珠宝店被盗贼窃走价值l0000美元的钻石，经调查，作案者肯定是甲、乙、丙、丁四个中的一个，于是，让这四人作为重大嫌疑对象接受审讯，这四个人的供词分别为：甲：不是我作的案乙：丁就是罪犯丙：乙是盗窃钻石的罪犯丁：乙是有意诬陷我现在假定四个人当中只有一个人说了真话，那么罪犯是（）。A.甲B.乙C.丙D.丁

44、Whilethepreliminaryresearchisfavorable,itmaytakeyearsforBogorPharmacouticalstodevelop____evidenceofthedrug’seffectiveness.A.conclusionB.concludeC.conclusiveD.concludes

45、Themorediverseknowledgeoneunderstandsandactivelyabsorbs,theprobabilityoffindingusefuland_____discoveries.A.novelB.conventionalC.rebelliousD.narrative

46、中央银行和商业银行的货币职能分别是（）。A.提供原始货币、制造派生货币B.制造派生货币、提供原始货币C.促进货币流通、方便货币支付D.方便货币支付、促进货币流通

47、下列哪项权利属于公民基本权利中的政治权利和自由？（)A.言论自由B.宗教信仰自由C.批评建议权D.平等权

48、批复是答复下级请示的文件，是（）。A.被动发文B.主动发文C.是对报告的批件D.下级没有请示，用来指导工作的

49、收入的确认应当满足的条件不包括()。A.与收入相关的经济利益很可能流入企业B.经济利益流入企业的结果会导致企业资产的增加或者负债的减少C.收入是与所有者投入资本无关的经济利益的总流入D.经济利益的流人额能够可靠地计量

50、Theprojectwillnotbefinishedonscheduleiftimeisnoteffectively（）.A.managingB.managedC.manageD.manager二、多选题

51、Allkindsoftechniquesandmedicines______toextendhumanbeings’liveinrecentyears.A.havebeendevelopedB.arebeingdevelopedC.weredevelopedD.develop

52、资料：Manypeoplethinkofinternalcontrolasameansofsafeguardingcashandpreventingfraud.Althoughinternalcontrolisanimportantfactorinprotectingassetsandpreventingfraud,thisisonlyapartofitsroles.Rememberthatbusinessdecisionsarebasedonaccountingdataandthesystemofinternalcontrolprovidesassuranceofthedependabilityoftheaccountingdatausedinmakingdecisions.Thedecisionsmadebymanagementarecommunicatedthroughouttheorganizationandbecomecompanypolicy.Theresultsofthepoliciestheconsequencesofmanagerialdecisionsmustbereportedbacktomanagementsothatthesoundnessofcompanypoliciescanbeevaluated.Amongthemeansofcommunicationincludedinthesystemofinternalcontrolareorganizationcharts,manualsofaccountingpoliciesandprocedures,flowcharts,financialforecasts,purchaseorders,receivingreports,invoices,andotherdocuments.Thetermdocumentationreferstoallthecharts,forms,reports,andotherbusinesspapersthatguideanddescribetheworkingofacompany'ssystemofaccountingandinternalcontrol.Internalcontrolsfallintotwomajorclasses:administrativecontrolsandaccountingcontrols.Administrativecontrolsaremeasuresthatincreaseoperationalefficiencyandcompliancewithpoliciesinallpartsoforganization.Forexample,anadministrativecontrolmaybearequirementthattravelingsalespersonssubmitreportsshowingthenumberofcallsmadeoncustomerseachday.Anotherexampleisadirectiverequireairlinepilotstohaveregularmedicalexaminations.Theseinternaladministrativecontrolshavenodirectbearingonthereliabilityofthefinancialstatements.Consequently,administrativecontrolsarenotofdirectinterestonaccountantsandindependentauditors.Internalaccountingcontrolsaremeasuresthatrelatetoprotectionofassetsandtothereliabilityofaccountingandfinancialreports.Anexampleistherequirementthatapersonwhosedutiesinvolvehandlingcashshallnotalsomaintainaccountingrecords.Morebroadlystated,theaccountingfunctionmustbekeptseparatefromthecustodyofassets.Anotheraccountingcontrolistherequirementthatchecks,purchaseorders,andotherdocumentsbeseriallynumbered.Stillanotherexampleistherulethatapersonwhoordersmerchandiseandsuppliesshouldnotbetheonetoreceivethemandshouldnotsigncheckstopayforthem.Anairlinepilothavingregularmedicalexaminationsisanexampleof（）.A.internalaccountingcontrolsB.internalfinancialcontrolsC.administrativecontrolsD.externalcontrols

53、一国的国内生产总值大于国民生产总值，则该国公民从国外取得的收入（）外国公民从该国取得的收入。A.大于B.小于C.等于D.不能确定

54、资料：Earlierthismonth,presidentsBarackObamaoftheUSandXiJinpingofChinamadeanimportantsymbolicgesturewhentheycommittedtheircountries,thetwolargestgreenhousegasemitters,totheParisclimateagreement.Itwastheclearestsignalyettoinvestorsworldwidethattheyneedtothinkabouttheimplicationsofglobalwarmingfortheirportfolios.OnFridayafternoontherewasanexampleofwhatthatmightmeanMrObama’sadministrationissuedanordertemporarilyblockingconstructiononasectionoftheDakotaAccessoilpipeline.ThemovewasaresponsetolocalconcernsraisedbytheStandingRockSiouxTribeaboutpotentialdamagetohistoricsitesandthethreatsofoilspills.ButitistheglobalissueofclimatechangethathadraisedtheprofileofDakotaAccess,makingitintoacausecelebreforUSenvironmentalcampaigners.BillMcKibbenof350.org,whichplayedakeyroleinthesuccessfulefforttostoptheKeystoneXLpipelinefromCanada,hassuggestedthatMrObamacouldblockDakotaAccesspermanently,onthegroundsthatitwouldexacerbatethethreatofclimatechange.Lastmonth,theWhiteHouse’sCouncilonEnvironmentalQualityissuednewguidanceforfederalagencies,makingclearthattheirdecisionsshouldtakeintoaccount“thepotentialeffectsofaproposedactiononclimatechange”,andquantifytheirconsequencesforgreenhousegasemissions.DakotaAccessisintendedtocarrycrudeoil1,172milesfromNorthDakota,acentreoftheUSshalerevolution,toIllinois,enroutetorefineriesaroundAmerica.ThecasethatitwouldaddtoglobalgreenhousegasemissionwillbehardertomakethanforKeystoneXL,whichwouldhavebroughtcrudefromthehigh-emittingoilsandsofwesternCanada,butthecampaignersarecertaintotry.IfDakotaAccessisstopped,itwillhaveasignificantimpactnotjustonenergyTransferPartners,thecompanyleadingtheproject,butonallNorthDakotaoilproducersandtheircustomers,whowillbeforcedtousemoreexpensiverailtransport.Climatechangeisnowanunavoidablebusinessissue.Inanexcellentpaperlastweek,BlackRock,theworld’slargestfundmanager,setoutsomeofthewaysthatinvestorscanreducetheirexposuretotherisksandbenefitfromtheopportunitiesthatitcreates.Thepaperisalandmarkintherisingawarenessoftheissueamongmainstreaminvestors.Itisonethingwhenaphilanthropicfundwithassetsofafewhundredmilliontakesastandonclimateissues,quiteanotherwhenthewarningscomefromacompanywithabout$4.9tnundermanagement.AsBlackRockpointsout,investors’personalviewsonclimatescienceareirrelevant.Enoughgovernmentsandbusinessesareconvincedbythescientificconsensusthatthethreatisreal,andaredrivingregulatoryandtechnologicalchangesthatinterestedinyou.六Iftheworldistoreducetheriskofcatastrophicglobalwarmingtoacceptablelevels,therewillhavetobeahugereallocationofcapitalawayfromfossilfuelsandtowardlow-emissionenergysources.Thatshifthasbegun,butitneedstogomuchfurther.Thetransitionisnotstraightforward:foraslongasoilisthelifebloodoftheworld’stransport,pipelineswillbeneeded.ButwheninvestorsandboardsmakedecisionsaboutprojectslikeDakotaAccess,theywillhavetoconsidertheirimpactongreenhousegasemissions.Thefinancialconsequencesofclimatechangecannolongerbeignored.Thebesttitletothearticleshouldbe().A.ThecatastrophicconsequencesofclimatechangeB.USeffortsincontrollinggreenhousegasemissionsC.InvestmentthreatsinachangingclimateD.Theworldisindanger

55、下列抽样方法中，属于非概率抽样的是（）。A.分层抽样B.整群抽样C.判断抽样D.等距抽样

56、Nostudent（）gooutofschoolforsnacksduringthebreakwithouttheteacher’spermission.A.willB.mustC.shallD.may

57、TheVolckerRulebasicallysaysthatbankscan’tgamblewithriskyWallStreetbetsbecausetheymightmakebad______andcollapse。A.shiftsB.debtsC.mistakesD.bets

58、资料：Imagineyouwenttoarestaurantwithyourgirlfriend,hadaburger,paidwithacreditcard,andleft.Thenexttimeyougothere,thewaiterorwaitress,armedwithyourprofiledata,greetsyouwith,“HeyJoe,howareyou？Maryisoverthereintheseatyousatlasttime.Wouldyouliketojoinherfordinneragain？”Thenyoufindoutthatyourburgerhasbeencookedandplacedonthetable.Forgetthefactthatyouarewithanotherdateandareonadietthatdoesn’tincludeburgers.Soundalittlebizarre？Tosome,thisistherestaurantequivalentoftheInternet.TheNet’sabilitytoprofileyouthroughyourvisitstoandinteractionsatwebsitesprovidesmarketerswithanenormousamountofdataonyou——someofwhichyoumaynotwantthemtohave.Areyouawarethatalmosteverytimeyouaccessawebsiteyougeta“cookie”？Unfortunately,it’snottheMrs.Field’srecipe.AcookieontheInternetisacomputercodesentbythesitetoyourcomputer——usuallywithoutyourknowledge.Duringtheentireperiodoftimethatyouareatthesite,thecookieiscollectinginformationaboutyourself,includingwhereyouvisit,howlongyoustaythere,andhowfrequentlyyoureturntocertainpages.Whilethismaysoundscaryenough,cookiesaren’teventhelatestintechnology.AnewsystemcallI-librarianAlexa——namedafterthelegendarythirdcenturyB.C.libraryinAlexandria,Egypt——doesevenmore.Whilecookiestrackwhatyouaredoingatonesite.Alexacollectsdataonallyourwebactivities,suchaswhichsiteyouvisitnext,howlongyoustaythere,whetheryouclickonadvertisements,etc.Allthisinformationisavailabletomarketers,whouseittomarketmoreeffectivelytoyou.Notonlydoyounotgetpaidforprovidingtheinformation,youprobablydon’tevenknowthatyouaregivingit.Whatcanbelearnedabout“Alexa”？A.AlexaisnamedafteranancientheroinEgyptB.AlexaisinstalledinlibrariesC.AlexacanprovideallthenecessaryinformationabouthistoryD.Alexacanprovidemoredatatomarketersthanacookie

59、已知工作表中C3单元格与D4单元格的值均为0，C4单元格中为公式“=C3=D4”，则C4单元格显示的内容为（）。A.C3=D4B.TRUEC.#N／AD.0

60、在我国，对于项目型管理的企业来说，会优先采取哪一种运作模式？（）A.事业部制B.矩阵制C.直线职能制D.职能制

61、把下列句子组成语意连贯的语段，排序最恰当的一项是（）。（1）使用语言，不仅要用的对，在语法上不出毛病，而且要力求用得好，要有艺术性，有感染力，这就要运用语言的艺术，也就是讲究一点修辞（2）有意用不符合语法常规的办法取得某种修辞效果是可许的，然而这只是偶一为之，并且要有些特定的条件（3）如果语言不符合语法，说都说不通，就没有什么好的修辞可言（4）语言是用来传递信息、交流思想、表达感情的（5）好的修辞，必然是符合语法规律的A.（4）（1）（5）（3）（2）B.（4）（3）（5）（1）（2）C.（5）（1）（2）（4）（3）D.（5）（3）（4）（1）（2）

62、在会计核算原则中，要求合理核算可能发生的费用和损失的原则是指()。A.谨慎原则B.可比性原则C.一贯性原则D.配比原则

63、资料：China'sFosunhasofferedtobuyalmost17percentofMillenniumBCP,Portugal'slargestlistedbank,andpotentiallyliftitsstaketo30percent,followingahavinginitssharepriceintheyeartodate.BCPsaidinaregulatoryfilinglateonSaturdaythatFosunIndustrialHoldingshadofferedtopay?0.02ashare,equaltoFriday'sclosingprice,inaprivateplacementof16.7percentofthebank'ssharecapital.Accordingtothefiling,Fosunwasalsoconsideringincreasingitsshareholdingto“20-30percent”.Fosun,oneofChinamostacquisitivecompanies,madeitsMillenniumBCPofferaweekafteritagreedtopay$1.1bnfor86percentofIndiandrugmakerGlandPharma.Inrecentyears,ithasalsosnappedupFrance'sClubMedandthetopPortugueseinsurerinEurope.AnalystsdeemBCPtobeinneedofcapi