2024年全国银行招聘之银行招聘综合知识考试重点试题（附答案）

全国银行招聘考试重点试题精编

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一、选择题

1、珠穆朗玛峰位于（）o

A.中、巴边境

B.中、缅边境

C.中、尼边境

D.中、印边境

2、（）与资产业务、负债业务一起构成商业银行的三大业务。

A.中间业务

B.现金业务

C.证券投资业务

D.贷款业务

3、下列属于产品成本的是（）o

A.厂房管理人员工资

B.车间人员工资

C.董事会人员工资

D.专设销售部门人员工资

一

凶

阚4、2月9日，国家主席习近平在北京以视频方式主持中国-中东欧国家领导人峰会，并发表

题为（）的主旨讲话。

A.《凝心聚力，继往开来携手共谱合作新篇章》

B.《凝心聚力，勇往直前携手共谱合作新篇章》

C.《凝心聚力，继往开来携手共谱和平新篇章》

D.《凝心聚力，继往开来携手共谱发展新篇章》

5、Largenumbersofstate-runpreschoolswereexpedientlycloseddownduringthe1990s

economicreformandinstead,avarietyoffor-profitprivatepreschoolssprungacrossthe

country.

A.by

.

.

恬

w，

B.out

C.in

D.up

6、Theycouldgiveyouanationallyqualificationandtheexperienceyouneedtogetthejob.

A.recognized

B.viewed

C.regarded

0.realized

7、资料：BankCDistheinstrumentuniformlyfiguringintheinvestmentoptionsofmostinvestors.

BankofIndiaCDsaresafe,FDICinsured&offerdecentreturns.Thereisnobrokerage,nofeesor

hiddencosts.However,theBankmayimposeafeeforadministrativeexpensesinvolvedinany

legalactioninconnectionwiththeCD.Lookatour'StarCD'planbelow.

HighInterest:HigheronLargeamount

Ourratesoncertificateofdepositsareamongthebestintheindustry.Theratemayvaryon

day-todaybasis.ForCD'sofabove$250,000.00,theinterestissimplei.enotcompounded;

therefore,annualpercentageyieldissameasannualinterestrate.Theinterestispayableonthe

dayofmaturityofdeposit.InterestpaidduringtheyearisreportedtoInternalRevenueServices.

Fortoday'sratespleaserefertoCurrentRatesofInterestonSTARCDs.

MaturityPeriod:Flexibletoyourneeds

Youmaychooseanymaturitydatewithaminimumperiodof7daystoamaximumperiodof1

yeartosuityourneeds.YourCDisautomaticallyrenewedforthesameperiodinabsenceofany

otherinstruction,attherulingrateofinterestonthedateofrenewal.Thereisnograceperiod

forautomaticrenewalofdepositsonmaturity.Fordepositsissuedfor1yearormore,wesend

maturitynoticestothedepositors2to4weeksbeforetheduedate.

MinimumAmount:EasytoStart

TheminimumamountacceptedisUSD2000

OtherFeatures:

l.FDICInsuranceUpto$100,000

2.FacilitytoOpenJoint&CorporateAccounts

AdditionalDeposits:

Additionalamountsdepositedintoanaccountwillbetreatedasfreshdeposits&separate

certificatesofdepositswillbeissuedforsuchdeposits.

EarlyWithdrawal:

Withdrawalofdepositbeforeitsdateofmaturitymaybeallowedatbank'sdiscretion.Inthat

event,interestwillbepaidattherateapplicablefortheperiodforwhichthedepositremained

withthebankorthecontractedrate,whicheverislower,asprevailingonthedateofdeposit,less

onepercent.However,nointerestshallbepaidonthedepositwhichrunsforlessthan30days.

Thereisnootherpenaltyorchargeonearlywithdrawal.

Whichofthefollowingstatementsistrue?()

A.CDisautomaticallyrenewedforthesameperiodunlesshavingotherinstruction

B.CDisn'tautomaticallyrenewedforthesameperiodattherulingrateofinterestonthedateof

renewal

C.CDisautomaticallyrenewedforthesameperiodwithoutanyotherinstruction

D.CDisautomaticallyrenewedforthesameperiodwithpermissionofthebankmanager

8、资料：NewYorkandLondonmayruletheroost,butotherfinancialhubsinAmericaand

Europehavemanagedtocarveoutusefulspecialistnichesforthemselves.Chicago,forinstance,

hasconsolidateditspositionastheworld'sderivativescenter;andHouston,thelargestcityin

Texas,ishometoAmerica'sbiggestenergyfirmsandhasspawnedanactiveclusterofenergy

tradersandhedgefunds.

Europehasalsodevelopedadiversesetoffinancialcentersrangingfrombigcitiestoisland

havenssuchasJerseyandtonichemarketssuchasLuxembourgandDublin.Edinburg,an

establishedbankingcenter,isnowtoutingitselfasalow-costalternativeforfinancialoperations.

Amongthelargerhubs,Frankfurtisanimportantcenterforbankingandderivativestrading

throughEurex,aGerman-Swissexchange,withsignificantlylowercoststhanLondon.

Switzerland'stwinfinancialcenters,GenevaandZurich,havedonewellintheirspecialistsof

privatebanking,wealthmanagementandinsurance.Themainattractionsarelowtaxes,political

stabilityandareputationfordiscretion.UrsRothfromtheSwissBankersAssociationsays,

however;thatgivenitstinydomesticmarket,Switzerlandhashadtofightforopenmarketsonan

internationalscale.

ParishaslonglaggedfarbehindLondon,doggedbyareputationforexcessiveregulationandhigh

taxes.ThenewgovernmentisawarethatsomeofFrance'sbestfinancialbrainshavecrossedthe

ChannelformorelucrativecareersinLondon.YetParishasmanyadvantages:alargenumberof

internationalbanks;moreinternationalcompaniesthanFrankfurt;andeasyaccesstoregulators.

IthasthelargestmarketinEuropefortradinginmutualfunds.FewwoulddisputethatParis

offersanattractivequalityoflifeandhasgoodtransportlinks.WhatmakesParisaplacetowatch

justnowistheNYSE'srecentmergerwithEuronext.Thecombinedgroupwillbaseits

internationalequitiesbusinessintheFrenchcapital.Euronext,whichoperatesexchangesinfive

Europeancountries,alsoillustratestheimportanceofacommonlanguage.

FinancialexecutivesaroundtheworldincreasinglyviewEuropeasasinglemarket.Soonanew

EuropeanrulecalledMiFID(MarketsinFinancialInstrumentDirective)isduetobe

implemented.Itaimstoincreasecompetitionamongandtransparencywithinfinancialmarkets.

Financiersinotherpartsoftheworldarewonderinghowtoachieveasimilardegreeof

cross-borderfinancialintegration.

WhichofthefollowingisNOTtrueaboutParis,accordingtothepassage?

A.MergerofNYSEwithEuronextmakesitthebiggestfinancialcenterinEurope

B.Theexcessiveregulationandhightaxeshaveaffecteditsfinancialdevelopment

C.Parishasmanyadvantagesthatmayhelpinitsfuturefinancialdevelopment

D.Parisoffersgoodqualityoflifeaswellasgoodtransportlinks

9、Thedetective()thesolvingofthiscasetoananonymousphonecallthepolicereceived

afewhoursbeforethearresttookplace.

A.accused

B.presented

C.attributed

0.disapproved

10、票据贴现实付金额为()。

A.汇票金额

B.贴现利息

C.汇票金额一贴现利息

11、资料：From:GloriaRichter

To:GuntherSchmidt

Subject:E-mails;stafflounge;communicationproblems

Date:March3

TherearesomecommunicationproblemsIwishtobringtoyourattention

1.Eachdaywereceiveahugenumberofemailsfromcolleaguesinsidethecompanyandfrom

overseascustomers.Someareimportantmanyarenot.Mystaffseemstospendalldaychecking

andsortingemails,whichistime-consumingandresultsinthemneglectingotherduties.

2.Mystaffdoesn'tunderstandwhyyougotridofthestaffloungeafterthetakeover.Theysay

thatitsaidtobeagoodplacetomeetpeoplefromotherdepartmentsandtoexchangeideas.

MostofthemstillhavenotmetanyonefromSanicorpyet.

3.Alotofmiddlemanagersarereallyconfusedaboutwhotheyshouldreportto.Weknow

managementareplanningareorganizationbutisn'tittimetheytolduswhat'shappening?

WhatisNOTrequestedbyGloriaRikchterinthisemail?

A.Anefficientwayforthestafftodealwiththelargenumberofemails

B.Moreinvestmentinthewell-beingofthestaff

C.Reopeningofthestafflounge

0.clarificationofwhomthestaffshouldreporttheirworksto

12>—Ithinkscienceismoreusefulthanart.

—Idisagree.!thinkartis_science.

A.notsousefulas

B.lessusefulthan

C.themostusefulof

D.asusefulas

13、资料：Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.

Sittingintheofficesleepdeprivesit'sdifficulttorememberyourownname,letalongthe

ever-lengtheningto-dolist.

Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwill

actuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroup

ofparticipantstogetafullnights'sleepwhileanotherhadtostayupallnight.Inthemorning

theyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,

bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitness

statementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.For

example,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthe

witnessstatementitsaidheputitinhispants(that's'trousers'forBritishpeoplenothis

underwear!).Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.The

resultsshowedthatthosewho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethe

falseeyewitnessstatementsthey'djustreadratherthanrememberingthe'true'crime-scene

photosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheads

totheextentthealltheevidence—rightandwrong—hadgotmixedup.

Oneofthestudy'sauthors,KimberlyFenn,said/'Peoplewhorepeatedlygetlowamountsof

sleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemory

distortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,a

preliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocause

peopletostartmanufacturingfalsememories.

Whatisbesttitleofthisarticle?

A.SleepandPhotographicmemory

B.LackofSleepLeadingtoCrimes

C.SIeepandCognitiveofhumanbeings

D.LackofSleepProducingFalseMemory

14、以下关于宏观经济政策与证券市场间的关系说法错误的是（）。

A.汇率下降，本币升值，出口型企业证券价格就会上扬

B.货币政策的调整会直接、迅速地影响证券市场

C.财政政策的调整对证券市场具有持久但较为缓慢的影响

D.汇率政策的调整从结构上影响证券市场价格

15、2017年4月份，某省规模以上食品工业增加值同比增长15.0%,比全省规模工业平均水

平高9.4个百分点。其中，农副食品加工业增长14.0%,食品制造业增长18.6%,酒、饮料

和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%,增幅比全省

规模工业平均水平高4.5个百分点。

1-4月，该省规模以上食品工业主要产品有52种，产量同比增加的有41种；20种产品产量

增幅超过10%。主要产品中，果酒及配制酒同比增长256.7%,米制半成品增长29.3%,冷冻

蔬菜增长28.3%,水产业增长22.5%,熟肉制品增长20.3%,酱油增长17.9%,成品糖增长

17.8%,在减产的产品中，汽水产量同比减少73.1%,冷冻水产品减少47.3%,饮料减少6.0%。

1-3月，规模以上食品工业主营业务收入为1070.37亿元，同比增长13.8%,实现利润总额

52.66亿元，增长9.5%,平均用工人数39.7万人，增长6.0%。资产总计1836亿元，增长7.2%。

下列选项中，2017年1-4月该省产量增速最快的是：（）

A.熟肉制品

B.米制半成品

C.冷冻蔬菜

D.酱油

16>Passage1

Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructed

the17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar;rentan

apartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarket

game",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthe

disastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegotto

knowhowitfelttolosemoney."

Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywantto

teach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teaching

studentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit's

tooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-finance

classeshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystates

includingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduate

fromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclasses

forkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonline

personal-financeclassesforincomingstudents,"Theseclassesreallysay,'Thisishowyoulive

independently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.

Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basics

approachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalary

intoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-term

gains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurant

intoseparateenvelopesforpayingbills,spendingandsaving,"Moneyissohardtomakebutso

easytospend,"shesaysoneweekdayafterschool,"Thatisthebigtakeaway."

Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalso

wantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyed

aboutgaspricesbecausemanyofthemdrivecars.Butthehardpartisurgingthemtoputoffthe

instantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthings

teenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,a

businessandmarketingteacheratUth'sRivertonHighSchool.

That'sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheir

parentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehas

increasedupto4.2percent,that'sstillafardistancefrom1982,whenAmericanssaved11.2

percentoftheirincomes/lt'shardforschoolstoreachstrictmoney-managementskillswhen

teenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It'sliketellingyourkidsnot

tosmokeandthenlightingupacigaretteinfrontofthem/Becksays.

Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolis

worthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocal

bankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcoIlege/Shejusthas

abetterunderstandingofmoneyandhowitaffectstheworld/sayshermother,Darleen—and

that'ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.Allofthis

talkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.

Aftercompletingthefinancialclass,DianeRayislikelyto().

A.payoffallherdebts

B.handlehermoneybetter

C.findajobinabank

0.managethefamilyincome

17、资料：Childrenbackatschool,nightsslowlystartingtodrawinandtheweathermore

changeable.Theseasonsareturningandafteraneerilycalmsummerforfinancialmarkets,

there'sawhiffofuncertaintyintheair.Bondyieldsareupfromtheirlows,andtherelentless

migrationofglobalcapitaltowardsanyasset,anywhere,withsomeyield,isslowing.

Theconcernisthegrowingawarenessofcentralbanks'waningabilitytoboostgrowthwith

ever-lowerinterestratesandever-biggerpurchasesofassets.Thedebateaboutif,whenandhow

slowlytheUSFederalReservewillraiseinterestdragson,butifdownwardpressureonglobal

bondyieldsfromtheEuropeanCentralBank(ECB)andtheBankofJapan's(BOJ)largesse

isdrawingtoaclose,that'sabiggermilestoneformarkets.

Aworldofhigherbondyieldsisonewherethepressuretoseekyieldinexoticplacesis

diminished.It'salsoaworldwherethecapitalgainsthataccompaniedfallingyieldsbecome

capitallossesandinvestorsquestionthemeritofbondsovercash(orequities).

Thissearchforyieldinexoticplaceshas,sincetheendofJanuary,helpedtheBrazilianrealgain

morethan20%againsttheUSdollar,withtheRussianroublemanagingalmostasmuch.The

dollar;itself,hasfallenbackisby7.5%fallintrade-weightedterms,unwindingnearly40%ofthe

gainsithasseensincemind-2014.

There'snoneedtopanicaboutbondyieldsrising,becauseraterisesinJapanortheEurozoneare

yearsawayandtheFed'sstilltinkering.But10-yearyieldsonbothGermanandJapanese

governmentbondyieldsfellbelowzeroforthefirsttimeinlateJune.Theyhavebeenedging

higherthroughthesummer.It'salmostasifinvestorsreallyaren'tthatkeenontyingmoneyupat

negativeyieldsforthatlong-whynotsticktocash?

IntheUS,estimatesof"neutral"realinterestratesaretumblingtoaroundzero.Estimatesofhow

muchslackthereisleftinthelabourmarketarebeingrevisedupandafterfiveyearswhen

productivitygrowthhasaveragedameasly0.5%,there'swidespreadacceptancethatit'sunlikely

toacceleratebymagic.

Butevenifwetakeallofthisintoaccount,marketsarenowpricinginanextraordinarilyslow

paceofratehikesbytheFed-fromtheircurrent0.25-0.5%range,toabout0.75%bytheendof

2017andto1%bytheendof2018.

GDPgrowthstilloscillatesaround2%,theFed'sfavouredmeasureofinflationisat1.6%andthe

unemploymentrateistrendinglower.Thepricingofthefuturepathofshorttermratesseems

toolowevenforthe"newnormal"economicenvironment.

AllofthesecurrencieshavegainedagainstthepoundandIcan'tseethatchanging.Toomuch

importanceshouldnotbeplacedoneitherthecollapseinconfidenceimmediatelyafterthevote

toleavetheEUorthesubsequentbounce.

TheeconomicimpactofleavingtheEUwillbefeltthroughdelayedinvestmentdecisionsasa

resultofuncertaintyaboutwhenandonwhattermsithappens.Adebilitatingratherthana

corrosiveimpactontheeconomywillbeseeninslower,butpositivegrowth.Itwillalsobefeltin

further(slower)sterlingweakness.

TheBankofEnglandhasalreadycutpolicyratesfrom0.5%to0.25%,andthere'smoretocome

fromboththeBankandthepoundoverthenextyear.A5%fallfromherewouldtakethepound

closeto€1.1,andwecouldseeitfallbelow$1.25astheFederalReserveedgesrateshigher.

AccordingtothethepassagewhichofthefollowingsisNottrue?

A.Inrecentyearscentralbanksadoptthemethodoflowerinterestratesandassetpurchasesto

promoteeconomicgrowthbutnowsuchabilityofcentralbankshavebecomeincreasingly

weaker

B.Investorsdoubtthattheyieldswilldecline,becausethebondpricesoffinancialmarketare

falling

C.lnthefirsthalfofthisyearglobalfinancialmarketsareaschangeableastheweatherchanges

D.The10-yearyieldsGermanandJapanesegovernmentbondhavebeenmovingupslowly

throughthesummer

18、所有的公文中，（）最具权威性和强制性。

A.决定

B.命令

C.规定

D.决议

19、Internet提供的最简便、快捷的通信服务为（）。

A.文件传输（FTP）

B.远程登录（Telnet）

C.电子邮件（E-mail）

D.万维网（WWW）

20、营业利润不包括以下哪项内容？（）

A.营业外收入

B.营业收入

C.投资收益

D.其他业务收入

21、小刘奉命采购机器零件，一种零件的单价是500元，另一种零件的单价是700元。这

两种零件小刘都买了一些，且已知单价500元的零件数量占比不足50%。这次采购，小刘一

共花了7100元，则他一共购买了（）件。

A.11

B.13

C.14

D.12

22、资料：之后，经济学家Mr.U与你讨论了一些潜在的问题，请根据下列资料回答问题。

KGVisstraditionalhigh-streetmusicretailer.BasedinAmsterdam,ithas12storesinthe

Netherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEurope

andnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthrough

adifficultperiod.Overthelastthreeyears,profitshavesteadilyfallen,from450mEurosto290m

Euros.Themegastores'saleshaverisenby,accountingforofthecompany'sturnover;butthe

increasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.

Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsfor

KGV'spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploiting

theopportunitiesofferedbysellingthroughtheInternet.

Whatdoestheword//turnover,/inparagraph2mean?（）

A.Anactorresultofturningover

B.Theaggregateofworkerreplacements

C.Thetotalamountofbusinessdoneinagiventime

0.changefromonepositiontoanother

23、如果一个社会的收入是绝对平衡的，那么，基尼系数将（）。

A.等于1

B.等于0

C.大于1

D.小于0

24>Itisveryimportantthatthetextisneithertoodetailed___toocomplexfortheintended

readers.

A.nor

B.or

C.no

D.not

25>Forcustomerconvenience,themanualisavailablebothmicrofilmandbookforms.

A.on

B.to

C.in

D.for

26、2013年3月16日，我国目前正在建设的最长高瓦斯隧道一一兰州至重庆铁路客运专线

（）隧道，经过中茵铁建十八局集团建设者三年多施工正式贯通，标志着制约兰渝铁路全

线铺轨工期的难点按期突破。

A.梅岭关

B.南岭关

C.上下关

D.天涧关

27、对于采取紧缩战略的组织，人力资源管理的关键活动是（）。

A.改变员工的晋升和发展机会。留住更多的现有人员

B.裁减工作绩效不佳的员工

C.合并新购并企业的人力资源管理体系

D.制定适当的规划保证及时雇用和培训新员工

28>Accordingtoourrecords,yourmembershipattheendofDecember.

A.willexpire

B.expiring

C.toexpire

0.expired

29、所有者权益是企业投资人对企业净资产的要求权，在数量上所有者权益等于（）。

A.全部资产扣除流动负债

B.全部资产扣除长期负债

C.全部资产加上流动负债

D.全部资产扣除全部负债

30、下列关于我国地理常识的说法，正确的是()

A.以北京、天津、唐山为中心的京津唐地区是我国最大的综合性工业基地

B.中国稀土的储量和产量均居世界首位

C.准嘎尔盆地位于新疆境内，在天山以北，是我国最大的盆地

D.海南省有〃东方夏威夷〃的美称，简称〃琼〃，省会是三亚

31、资料：Largeindustrializedarenowinarecession.Whataretheprospectsforeconomic

recovery?

Thethreemostimportantindustrialeconomiesintheworldare,atthemoment,facing

enormousproblems.Germanyisstrugglingwiththecostofreunificationandisinrecession.

JapanisalsoexperiencingrecessionandtheUnitedStateshasalargebudgetdeficit.

Forecastersandanalystsfacequestionsabouttheprospectsofaneconomicrecovery.Hereare

someoftheirfindings:

TheelectionofanewpresidentoftheUnitedStatesgavehopetotherestoftheworld.IftheUS

recovered,therestoftheworldwouldfaceamorepromisingfuture.However,analystsnow

acceptthattheUSwillonlyrecoververyslowly.

Consumerandinvestorconfidenceisstilllacking.Largedeficitsanddecliningshort-terminterest

ratesmeanthereislittlescopeforeconomicstimulus.

TheJapaneseeconomy,afteryearsoftradeandbudgetsurpluses,isindeeprecessionandthe

growthratehassloweddownconsiderably.Germaneconomistshaveloweredtheirforecastsfor

economicgrowththisyear.TheloweringofGermaninterestratesmaybringsomerelieftoother

membersoftheEuropeanExchangeRateMechanism(ERM).However;Germany'simportance

asEurope'slargestexportmarketmaydecline.

However,insomepartsoftheworld,therearemorepositivesigns,particularlyinsomeLatin

AmericancountriesinSouth-EastAsia.Analystssaysthat,aslongastherateofintereststays

abovetherateofgrowthatnationalincome,thentheratioofdebttoincomewillgetworse.

Fallinginterestrateshelptowardsovercomingthisproblem.Theybelieveitmaytakeseveral

yearsbeforethereisrealrecovery.However,advancesintechnologyareofferinghopeforthe

worldeconomy.

Theimportantindustrialeconomiesmentionedinthepassageare.

A.LatinAmericancountriesandinSouth-EastAsia

B.German,JapanandChina

C.German,JapanandUnitedStates

D.Notmentioned

32、Thecarindustryhasexpandedata()rateoverthepasttenyears.

A.rapidness

B.rapidly

C.rapidity

D.rapid

33、我国《刑法》对完全刑事责任年龄的规定是（）。

AA4周岁

B.B6周岁

C.18周岁

D.20周岁

34、按照保险对象的不同可将保险分为（）。

A.人身保险与财产保险

B.自愿保险与强制保险

C.保险与再保险

D.信用保险与人身保险

35、下列属于短期资金市场的是（）。

A.票据市场

B.债券市场

C.资本市场

D.股票市场

36、资料：EarlyExperiences

Ifyou'vecommunicatedapositiveinitialimpressionandcustomersdecidetoexploreyour

product,cantheydiscoverthefeaturesandfunctionsthathelpgetthemuptospeed?Doesyour

interfaceprovideclear;streamlinedpathsfreeofunnecessaryinstructions,distractingvisual

elements,orunneededfeaturesorfunctionality?Finally,howwelldoesyourproducthelp

customersgetthebenefitstheywant,orevenleadthemtobenefitstheywereunawareof?

Testinghelpsdetermineifcustomersfindtheterminologyclearandjargon-free;whetherthe

pageandcontentisorganizedlogicallyfromtheirperspective;ifprocesses-suchasregistration,

checkoutorupgrading-areefficientandeasytouse;andifit'sclearhowtocancelaprocessor

navigatetoaspecificfunctionorlocation.

Maturity

Overtime,discoveringshortcutsandadvancedfunctionalitywillhelpmaturecustomersdotheir

jobsmorequickly.You'llwanttotesthowtheseoptionsarecommunicatedandensurethatthey

addresstheneedsofthesecustomerswithoutimpactingtheexperienceofothercustomers.

Unlessyoutestwithactualusers,yourproductteamwon'tgetatrueperspectiveaboutwhat

yourproductisliketousebythepeoplewhomattermosttheusersthemselves.Thismayseem

obvious,butinmanyorganizations,approximatecustomers-suchassalespeople-aresometimes

usedtoreviewproducts.Afterallztheyhavealotofcustomercontact.Butsalespeopledon't

havethesamemotivationsorcontextascustomers.Atbest,thisapproachisrisky.Whenyoutest

withrealusers,usabilitytestsensurethatallproductstakeholdersgetarealistic,honestviewof

yourproduct'seffectiveness.

Ifyouhaveneverwatchedacustomeruseyourproduct,youmightbeinforasurprise."Obvious"

productassumptionsmaybechallenged,oryoumightfindthatcustomersthinkdifferentlyabout

whatvaluemeanstothem.Whateveryoudiscover;you'llunearthinformationtodevelop

productsthataremorelikelytobeonesthatyourcustomersvalue.

Whichofthefollowingsisnotmentionedassomethingyoushouldcareabout?

A.streamlinedinterface

B.freeofredundantfunctionality

C.Benefitthecustomers

0.Satisfyalltheneedofthecustomers

37、下列表述正确