2024年全国银行招聘之银行招聘综合知识考试重点试卷(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、银行的活期存款人通知银行在其存款额度内无条件支付一定金额给持票人的书面凭证是（）。A.支票B.汇票C.本票D.存单

2、根据国现行宪法规定,我国实行由（）负责保障宪法实施的体制。A.司法机关B.立法机关C.专门机关D.行政机关

3、Itisveryimportantthatthetextisneithertoodetailed___toocomplexfortheintendedreaders.A.norB.orC.noD.not

4、银行的现金资产包括()。A.营业利润B.库存金银C.营业外收支净额D.利息收入

5、（）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

6、属于银行自制的、无限期的、不可辨认的且不可转让的无形资产是指()。A.专营权B.土地使用权C.商誉D.商标权

7、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.Accordingtoparagraphthree,whatdoesthephrase”tonepolicing”mean?A.BeingveryinquisitivejustlikeapolicemanB.Speakingdirectlyaboutone’sshortcomingwithoutconsideringone’sfeelingsC.HittingthenailontheheadintheconversationD.Focusingonthenegativeemotionbehindamessageratherthantherealproblem

8、Passage5Arapidmeansoflong-distancetransportationbecameanecessityfortheUnitedStatesassettlementspreadeverfartherwestward.Theearlytrainswereimpracticalcuriosities,andforalongtimetherailroadcompaniesmetwithtroublesomemechanicalproblems.Themostseriousonesweretheconstructionofrailsabletobeartheload,andthedevelopmentofasafe,effectivestoppingsystem.Oncetheseweresolved,therailroadwasestablishedasthebestmeansoflandtransportation.By1860therewerethousandsofmilesofrailroadscrossingtheeasternmountainrangesandreachingwestwardtotheMississippi.Therewerealsoregionalsouthernandwesternlines.Thehighpointinrailroadbuildingcamewiththeconstructionofthefirsttranscontinentalsystem.In1862CongressauthorizedtwowesternrailroadcompaniestobuildlinesfromNebraskawestwardandfromCaliforniaeastwardtoameetingpoint,soastocompleteatranscontinentalcrossinglinkingtheAtlanticseaboardwiththePacific.TheGovernmenthelpedtherailroadsgenerouslywithmoneyandland.Actualworkonthisprojectbeganfouryearslater.TheCentralPacificCompany,startingfromCalifornia,usedChineselabor,whiletheUnionPacificemployedcrewsofIrishlaborers.Thetwogroupsworkedatremarkablespeed,eachtryingtocoveragreaterdistancethantheother.In1869theymetataplacecalledPromontoryinwhatisnowthestateofUtah.Manyvisitorscamethereforthegreatoccasion.Therewerejoyouscelebrationsalloverthecountry,withparadesandtheringingofchurchbellstohonorthegreatachievement.Therailroadwasveryimportantinencouragingwestwardmovement.Italsohelpedbuildupindustryandfarmingbymovingrawmaterialsandbydistributingproductsrapidlytodistantmarkets.InlinkingtownsandpeopletooneanotherithelpedunifytheUnitedStates.Thebuildingofthefirsttranscontinentalsystem（）.A.broughtaboutarapidgrowthofindustryandfarminginthewestB.attractedmanyvisitorstotheconstructionsitesC.attractedlaborersfromEuropeD.encouragedpeopletotravelalloverthecountry

9、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。Thegovernmentistobanpaymentstowitnessesbynewspapersseekingtobuyuppeopleinvolvedinprominentcases?1?thetrialofRosemaryWest.Inasignificant?2?oflegalcontrolsoverthepress，LordIrvine，theLordChancellor，willintroducea?3?billthatwillproposemakingpaymentstowitnesses?4?andwillstrictlycontroltheamountof?5?thatcanbegiventoacase?6?atrialbegins.InalettertoGeraldKaufman，ChairmanoftheHouseofCommonsMediaSelectCommittee，LordIrvinesaidhe?7?withacommitteereportthisyearwhichsaidthatselfregulationdidnot?8?sufficientcontrol.?9?ofthelettercametwodaysafterLordIrvinecauseda?10?ofmediaprotestwhenhesaidthe?11?ofprivacycontrolscontainedinEuropeanlegislationwouldbelefttojudges?12?toParliament.TheLordChancellorsaidintroductionoftheHumanRightsBill，which?13?theEuropeanConventiononHumanRightslegally?14?inBritain，laiddownthateverybodywas?15?toprivacyandthatpublicfigurescouldgotocourttoprotectthemselvesandtheirfamilies.“Pressfreedomswillbeinsafehands?16?ourBritishjudges，”hesaid.Witnesspaymentsbecamean?17?afterwestwassentencedto10lifesentencesin1995.Upto19witnesseswere?18?tohavereceivedpaymentsfortellingtheirstoriestonewspapers.Concernswereraised?19?witnessesmightbeencouragedtoexaggeratetheirstoriesincourtto?20?guiltyverdicts[中国工商银行真题]A.bindingB.convincingC.restrainingD.sustaining

10、按照《劳动合同法》的有关规定，企业进行经济性裁员时，应当优先留用的劳动者中不包括（）。A.与本单位订立无固定期限劳动合同的B.与本单位订立较长期限的固定期限劳动合同的C.因公负伤在规定的医疗期满后还不能从事原工作的D.家庭无其他就业人员，有需要扶养的老人或者未成年人的

11、物体的惯性大小取决于（）A.物体的运动速度B.物体的质量C.物体的加速度D.物体受到的合力

12、关于会计核算的基本前提，下列说法中不正确的是（）。A.会计基本假设包括会计主体、持续经营、会计分期和货币计量B.如果企业发生破产清算.经相关部门批准后，可以继续适用持续经营假设C.在我国.以公历年度作为企业的会计年度。即公历1月1日至12月31日D.会计的货币计量假设，包含了两层含义：一是以货币作为会计的统一计量单位：二是作为会计计量单位的货币.其币值是稳定不变的

13、Itprovidesthatnostatemay“______anypersonoflife,libertyorproperty,withoutdueprocessoflaw.”A.depriveB.deriveC.dispatchD.discharge

14、下面（）不是计算机局域网的主要特点。A.地理范围有限B.数据传输频率高C.通信延迟时间较低。可靠性较好D.构建比较复杂

15、中国古代哲学家荀子说：“心不在焉，则A黑在前而目不见，雷鼓在侧而耳不闻。”这句话表明人的意识具有（）。A.客观性B.能动性C.对象性D.任意性

16、Isnotfairthatyoucomehomeafterabaddayatworkand（）yourwifeandchildren.A.takeitoutonB.takeonitwithC.takeoutonD.takeoutiton

17、Astheyhadrunoutofsugar,theyusedhoneyasa（n）______forit.A.exchangeB.assistanceC.substituteD.preference

18、如果一个公司经营状况严重恶化，要谨慎采用哪种用组织变革方式？（）A.改良式B.渐进式C.计划式D.爆破式

19、在我国加入WTO后的今天，外资银行已经逐步突破地域、业务等限制进入我国市场。外资银行在我国拓展业务，由于对国情、民情和金融法规不甚了解，难以准确把握市场信息。外资银行把握市场信息的捷径就是实现管理人员的“本土化”。外资银行用优厚的薪酬待遇、优越的工作环境、良好的福利保障、众多的出国培训机会、灵活的用人机制来吸引和留住人才。这一举措导致了我国金融人才的大量流失，这对我国商业银行人力资源开发和管理提出了严峻挑战。根据上述材料，回答以下问题：人力资源开发和管理居于现代管理中的（）地位。A.主要B.重要C.次要D.核心

20、下列关于负债的说法，错误的是（）。A.是由企业过去的交易或者事项所形成的B.是企业承担的现时义务C.预期会导致经济利益流出D.一般将负债分为短期借款与长期借款

21、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

22、一代伟人毛泽东的诗句“坐地日行八万里，巡天遥看一千河”反映的哲学观点是（）。A.空间的无限性B.时间的无限性C.运动的绝对性和静止的相对性D.人的认识能力是不受空间限制的

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

24、下列选项中属于同业拆借的是()。A.甲银行为弥补信贷资金缺口从乙银行拆入一笔资金B.甲银行融人资金投资房地产C.甲银行在停止营业时发现资金收支不平衡向其他银行融入长期资金D.甲银行内部分支机构之间的资金调度

25、Today,only4millionpeopleliveandworkonfarmsintheUnitedStates,buttheyproducemorethanenoughfoodfor200millionAmericans.Theyareabletodothisbecausemodernagriculturedependsmoreonup-to-datemachineryandscientificmethodsthanitdoesonold-fashionedknowledgeandhumanlabor.Thesedays,onemanorwomanspendinganafternooninanair-conditioned,stereo-equippedtractorcandotheworkthatyearsagowouldhaverequiredhundredsofhoursofback-breakingdrudgery.Asaresultofthemodernizationofagriculture,thefarmoftodaylooksalotlikeafactory.Whenthefarmer'shenslaytheireggs,conveyorbeltscarrytheeggsofftobesortedandpacked.Ifthefarmerkeepspigs,thosepigswillnotbewallowinginthemud,butlyingaroundinsanitarypens.Andthefarmerislikelytobefoundstudyingacomputerprint-outoflong-rangeweatherconditions.Whyisn’tthefarmermilkingcowsinthebarn?Theansweriseasy:Amachineisdoingit.Thisrelianceonmoderntechnologyhasitsproblemsforfarmers.Thetractorsthatplowtheirfields,thecombinesthatreapandthreshthegrain,andthesilosthatstorethegrainforwinterfeedingareallveryexpensive.Forexample,asingletractorcancostasmuchas$50,000.Withoutthisequipment,farmerscouldnotruntheirfarmsprofitably,but,topayforit,farmersmusttakeoutlargebankloans.Asinglebadseasoncouldputthemdeeplyindebt.And,whenthemachinerywearsoutorbecomesobsolete,thefarmersmustreplaceitwithnewer,moreexpensivemodels.Still,mostfarmersarewillingtoputupwiththesedifficultiesbecausetheirmachineshavefreedthemfromtheheavylaborandhardlifethatfarmershadtoendureinthepast.Itcanbeinferredfromthethirdparagraphthat（）.A.moderntechnologyhasbroughtaboutalotoftroubleB.moderntechnologyhascostfarmersalotofmoneyC.farmerswereputdeeplyindebtD.moderntechnologyhasreleasedfarmersfromheavylabor

26、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.Howdoesglobalwarmingaffectthesurvivalofturtles?A.ItthreatensthesandybeachesonwhichseaturtleslayeggsB.TherisingclimatemakesitdifficultfortheireggstohatchC.TherisingsealevelsmakeitharderfortheirhatchlingstogrowD.Ittakesthemlongertoadapttothehightemperatureinthebeach

27、Manystateshave______,amendedorrepealedlawstoimproveschoolnutrition.A.institutedB.organizedC.manufacturedD.enacted

28、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四大国有商业银行全部实现上市，中国金融改革开始新的一页。根据上述材料，回答问题：（）是指由股份有限公司签发的用以证明股东所持股份的凭证，它表明股票持有者对公司的部分资本拥有所有权。A.股票B.证券C.债券D.投资基金

29、资料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the“higherup”hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“Thisstereodoesnotwork”Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Whydoestheauthormentiontheexampleofstereoinparagraph3?A.ToillustratethatitwillbebetterifthecustomerstatesthespecificproblemB.ToshowthatthestereoisreallynotworkingC.TocomplainaboutthestereoD.Tostressthatsomethingiswrongwiththeleftspeakerandthesound

30、我国的灿烂优秀文化中，有不少言简意赅的成语寓于哲理，尤其是具有批判意义的词语很耐人寻味。下列成语中否认了联系具有客观性的是（）。A.竭泽而渔B.照猫画虎C.东施效颦D.指鹿为马

31、资料：“Ourcarsareforpeoplewhowantsomethingdifferent.”Thishasbeenthesloganforover50yearsofSupremaCars,amanufacturerofanEnglishsportscar.Thecarismostlyhandmadeinthecompany'sfactoryinnorthernEngland.SupremaCarproducesapproximately500carsayear.About5yearsago,thecompanybegantolosesalesandmarketshare,andinthelasttwoyears,ithasmadealoss.Recently,therehavebeenproblemswiththelaborforce.Thefactoryworkershavedemandhigherwagesandbetterworkingconditions.Theyarealsounhappybecausethemanagementisinsistingthattheyincreaseproduction,buttheworkersthinkthiswillhaveabadeffectonthequalityofthecars.Thecompanystillhasmanyloyalcustomers.PeoplebuySupremasportscarsbecausetheyarehandmadeandhaveanimageofqualityandcraftsmanship.WhichofthefollowingisNOTaproblemthatSupremaCarsisfacing?A.Customers’distrustofproductsB.AfinanciallossC.UnhappyworkersD.Lossonsalesandmarketshare

32、Passage4Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouse-owner,forexample,knowsthathispropertycanbedamagedbyfire;theship-ownerknowsthathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageandleavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeettheneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthecontributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionareknownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnotofakindthatcanbestatisticallyestimated—andriskscanonlybeinsuredagainstiftheycanbesoestimated.Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthebestquality.Itstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumofmoney,calledthe"premium",whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,iftheriskoreventinsuredagainstactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasoundreasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthemeaningofdoubtfulphrasesinpolicies.Thelawcourts,intheirjudgments,havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshavecontinuedtobeusedinpoliciesevenwhentheyhavepassedoutofnormaluseinspeech.Thephrase"thepoolofcontributions"inthefirstparagraphmeans（）.A.themoneypaidbytheinsurersB.thecostofadministeringinsuranceC.themoneypaidbytheinsuredD.theamountofeachpremium

33、在下列有关账项核对中，不属于账账核对的内容是（）。A.银行存款日记账余额与其总账余额的核对B.银行存款日记余额与银行对账单余额的核对C.总账账户借方发生额合计数与明细借方发生额合计数的核对D.总账账户贷方发生额合计数与明细贷方发生额合计数的核对

34、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

35、Itisbettertodieonone’sfeetthan（）A.livingonone’skneesB.liveonone’skneesC.onone’skneesD.toliveonone’sknees

36、Theycouldgiveyouanationally____qualificationandtheexperienceyouneedtogetthejob.A.recognizedB.viewedC.regardedD.realized

37、2020年4月29日，中共中央政治局委员会召开会议，会议指出，党中央研究确定了支持湖北省经济社会发展（），从财政税收、金融信贷、投资外贸等方面明确了具体措施。A.全包全揽计划B.加速加快发展C.一揽子政策D.一省带一市

38、Inadesperatemovetoincreasetheirrevenuestomeettheirsalesgoal,thecompanyisplanningtoofferaspecialdiscount（）itscustomers.A.byB.toC.withD.upon

39、Passage2Globalwarmingiscausingmorethan300,000deathsandabout$125billionineconomiclosseseachyear,accordingtoareportbytheGlobalHumanitarianForum,anorganizationledbyAnnan,theformerUnitedNationssecretarygeneral.Thereport,tobereleasedFriday,analyzeddataandexistingstudiesofhealth,disaster,populationandeconomictrends.Itfoundthathuman-influencedclimatechangewasraisingtheglobaldeathratesfromillnessesincludingmalnutritionandheat-relatedhealthproblems.Butevenbeforeitsrelease,thereportdrewcriticismfromsomeexpertsonclimateandrisk,whoquestioneditsmethodsandconclusions.Alongwiththedeaths,thereportsaidthatthelivesof325millionpeople,primarilyinpoorcountries,werebeingseriouslyaffectedbyclimatechange.Itprojectedthatthenumberwoulddoubleby2030.RogerPielkeJr.,apoliticalscientistattheUniversityofColorado,Boulder,whostudiesdisastertrends,saidtheForum'sreportwas"amethodologicalembarrassment"becausetherewasnowaytodistinguishdeathsoreconomiclossesrelatedtohuman-drivenglobalwarmingamidthemuchlargerlossesresultingfromthegrowthinpopulationsandeconomicdevelopmentinvulnerableregions.Dr.Pielkesaidthat“climatechangeisanimportantproblemrequiringourutmostattention.”Butthereport,hesaid,"willharmthecauseforactiononbothclimatechangeanddisastersbecauseitissodeeplyflawed."However,SorenAndreasen,asocialscientistatDalbergGlobalDevelopmentPartnerswhosupervisedthewritingofthereport,defendedit,sayingthatitwasclearthatthenumberswereroughestimates.Hesaidthereportwasaimedatworldleaders,whowillmeetinCopenhageninDecembertonegotiateanewinternationalclimatetreaty.Inapressreleasedescribingthereport,Mr.Annanstressedtheneedforthenegotiationstofocusonincreasingtheflowofmoneyfromrichtopoorregionstohelpreducetheirvulnerabilitytoclimatehazardswhilestillcurbingtheemissionsoftheheat-trappinggases.Morethan90%ofthehumanandeconomiclossesfromclimatechangeareoccurringinpoorcountries,accordingtothereport.WhatdoesDr.PielkesayabouttheForum’sreport（）A.ItsstatisticslookembarrassingB.ItisinvalidintermsofmethodologyC.ItdeservesourclosestattentionD.Itsconclusionispurposelyexaggerated

40、财务报表项目中的数字其直接来源是（）。A.原始凭证B.记账凭证C.明细账簿D.账簿记录

41、在影响需求价格弹性的因素中，时间因素与商品需求价格弹性大小的关系是（）。A.两者间的关系需要根据具体商品才能判定B.时间越长，商品需求价格弹性越小C.时间越短，商品需求价格弹性越小D.两者间不存在任何关系

42、Writingoutalltheinvitationsbyhandwasmoretime-consumingthanwe（）.A.willexpectB.areexpectingC.expectD.hadexpected

43、Nowthatwehaveanescapedpoliticalprisoneronthe______,everybodyisfightingshyofhavinganythingtodowithpeoplelikeyou.A.looseB.releaseC.slackD.relax

44、资料：Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.Sittingintheofficesleepdeprivesit’sdifficulttorememberyourownname,letalongtheever-lengtheningto-dolist.Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwillactuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroupofparticipantstogetafullnights’sleepwhileanotherhadtostayupallnight.Inthemorningtheyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitnessstatementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.Forexample,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthewitnessstatementitsaidheputitinhispants（that's‘trousers’forBritishpeoplenothisunderwear!）.Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.Theresultsshowedthatthosewho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethefalseeyewitnessstatementsthey'djustreadratherthanrememberingthe‘true’crime-scenephotosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheadstotheextentthealltheevidence—rightandwrong—hadgotmixedup.Oneofthestudy'sauthors,KimberlyFenn,said:”Peoplewhorepeatedlygetlowamountsofsleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemorydistortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,apreliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocausepeopletostartmanufacturingfalsememories.Whatisthedependentvariableinthestudy?A.CreationoffalsememoriesB.MemorydeprivationC.CrimebeingcreatedD.Differentdetailsshown

45、资料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the“higherup”hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“Thisstereodoesnotwork”Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Accordingtothepassage，whatistheadvantageofcomplainingdirectlytothestoremanager?A.TheproblemwillbesettledfasterB.Theproblemwillusuallybesettledi