2024年全国银行招聘之银行招聘综合知识考试历年考试题详细参考解析

全国银行招聘考试重点试题精编

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率

M一、选择题

承

i1、哲学与具体科学之间的最主要区别是（）。

A.哲学是一门抽象的理性学说，具体科学是具体化的感性学说

B.哲学研究世界发展最一般的规律，具体科学研究世界单一领域或方面的规律

••1C.哲学具有民族性、阶级性，具体科学没有国界，是超阶级的学说

Z!D.哲学思想源于理论斗争，具体科学研究源于实践需要

年

、关于产品生命周期理论的意义，以下说法不正确的是（

2）0

A.借助产品生命周期理论，可以分析判断产品处于生命周期的哪一阶段，推测产品发展的

趋势

B.产品生命周期理论揭示了任何产品都和生物有机体一样，有一个从诞生一成长一凝峰的

过程

C.产品生命周期引导人们通过产品生.命周期，了解和掌握出匚的动态变化，为制定市场战

略提供理论依据

D.它还反映出当代国际竞争的特点，即创新能力，模仿能力，是活的企业生存能力和优越

地位的重要因素

3、资料：（一）

••I

：Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouse

凶密

qjjowner,forexample,knowsthathispropertycanbedamagedbyfire,theshipownerknowsthat

线hisvesselmaybelostatsea；thebreadwinnerknowsthathemaydieatanearlyageandleave

hisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellost

atsea.Ifthesepersonseachputasmallsumofmoneyintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss,Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemoney.Thisisthebasisofinsurance.Thosewhopaythecontributionare

knownas“insured“andthosewhoadministerthepoolofcontributionsas“insurers".

Notallriskscanbecoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessand

speculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnot

ofakindthatcanbestatisticallyestimated,andriskscanonlybeinsuredagainstiftheycanbeso

：estimated.

恬

nr

Thelegalbasisofallinsuranceisthe“policy”.Thisisaprintedformofcontract.Itstatesthatin

returnfortheregularpaymentbytheinsuredofacertainsumofmoney,calledthe“premium",

whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,if

theriskactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,o代enseems

veryold-fashioned,butthereisasoundreasonofthis.Overalargenumberofyears,manylaw

caseshavebeenbroughttoclearupthemeaningsofdoubtfulphrasesinpolicies.Thelawcourts

havegiventhesephrasesadefniteandindisputablemeaning,andtoavoidfuturedisputesthe

phraseshavecontinuedtobeusedinpolicesevenwhentheyhavepassedoutofnormalusein

speech.

Thephrase“thepoolofcontributionswinthefirstparagraphmeans.

A.themoneypaidbytheinsurers

B.thecostofadministeringinsurance

C.themoneypaidbytheinsured

D.theamountofeachpremium

4、Passage4

Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.The

house-owner,forexample,knowsthathispropertycanbedamagecbyfire;theship-ownerknows

thathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageand

leavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenorevery

vessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionare

knownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".

Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksof

businessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsattheprices

offeredisnotofakindthatcanbestatisticallyestimated-andriskscanonlybeinsuredagainstif

theycanbesoestimated.

Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthe

bestquality.ltstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumof

money,calledthe"premium",whichisusuallypaideveryyear,theinsurerwillpayasumofmoney

orcompensationforloss,iftheriskoreventinsuredagainstactjallyhappens.Thewordingof

policies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasound

reasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthe

meaningofdoubtfulphrasesinpolicies.Thelawcourtsjntheirjudgments,havegiventhese

phrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshave

continuedtobeusedinpoliciesevenwhentheyhavepassedouto：normaluseinspeech.

Old-fashionedwordingissometimesusedininsurancepoliciesbecause().

A.lawcourtshavedecidednottousefashionablewords

B.itiswidelyacceptedbyalltheinsured

C.itenablesordinarypeopletounderstanditeasily

D.themeaningofsuchwordinghasbeenagreedupon

5、资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfor

theloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishing

andothermaritimetrades.Environmentalgroupswho'dbeenpushinganendangeredlistingsaid

theproposalwasa“turningpointwtheyhopewillleadtogreaterturtleprotections.

“Ithinkit'shugedayforloggerheadseaturtles,wsaidBethRiff,amarinewildlifescientistat

Oceana/itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedsto

bedonetoprotectthem/Withallthatattentiontopaidtothem,you'dthinkthesecreatures

wouldatleasthavethegratitucenottogoextinct,butNatureisindifferenttohumannotionsof

fairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledby

fishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesin

Floridaoverthelastdecadeasevidenceoftrouble.

Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehard

shellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakea

frenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250

pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.

BarbaraSchoder,nationalseaturtlecoordinatorforNOAA'sfisheriesdivision,saidthebiggest

threatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainly

inJapan,aswellasaccidemalsnaringoftheturtlesinfishinggear.AndreaTeeofSan

Francisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlongline

fishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,the

mainthreattoturtlesisgearfromtheregion'svariousfishenesSchodersaid.

Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthe

species,Riffsaid.Butthegovernmentwouldalsohavetodetermine^criticalhabitats,“suchas

wheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfor

theturtles,includingrestrictionsonmaritimedevelopmentorfishing.

Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobal

warmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhich

theturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherby

threatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesas

well,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leaving

ourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.

Itcanbelearnedfromthefirstparagraphthat().

A.humanactivitieshavechangedthewayturtlessurvive

B.Effortshavebeenmadetoprotectturtlesfromextinction

C.Marinebiologistsarelookingforthesecretofturtles*reproducton

0.Governmentbureaucracyhascontributedtodecreasingnumberofturtles

6、IcannotthinkofanythinghappenedthatdaywhichIwouldhavewishedotherwise.

A.what

B.who

C.that

D.which

7^资料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfor

theloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishing

andothermaritimetrades.Environmentalgroupswho'dbeenpushinganendangeredlistingsaid

theproposalwasa“turningpoint^theyhopewillleadtogreaterturtleprotections.

“Ithinkit,shugedayforloggerheadseaturtles,wsaidBethRiff,amarinewildlifescientistat

Oceana/Zitreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedsto

bedonetoprotectthem/Withallthatattentiontopaidtothem,you'dthinkthesecreatures

wouldatleasthavethegratitucenottogoextinct,butNatureisindifferenttohumannotionsof

fairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledby

fishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesin

Floridaoverthelastdecadeasevidenceoftrouble.

Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehard

shellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakea

frenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250

pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.

BarbaraSchoder,nationalseaturtlecoordinatorforNOAA'sfisheriesdivision,saidthebiggest

threatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainly

inJapan,aswellasacciden:alsnaringoftheturtlesinfishinggear.AndreaTeeofSan

Francisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlongline

fishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,the

mainthreattoturtlesisgearfromtheregion'svariousfishenesSchodersaid.

Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthe

species,Riffsaid.Butthegovernmentwouldalsohavetodetermine/zcriticalhabitats,“suchas

wheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfor

theturtles,includingrestrictionsonmaritimedevelopmentorfishing.

Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobal

warmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhich

theturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherby

threatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesas

well,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leaving

ourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.

Whatdoestheauthormeanby''natureisindifferenttohumannotionsoffairnessw().

A.Natureisquitefairregardingthesurvivalofturtles

B.Turtlesarebynatureindifferenttohumanactivities

C.Courseofnaturewillnotbechangedbyhumaninterference

D.Theturtlepopulationhasdecreasedinspiteofhumanprotection

8、—Whyareyoustandingthere,Maggie?

—Ican'tseetheblackboardclearly.Twotallboysaresittingme.

A.behind

B.infrontof

C.beside

D.nextto

9、Shetoldusthatclassificationisauseful()totheorganizationofallkindsofknowledge.

A.means

B.approach

C.mode

D.manner

10、资料：Stressisacommonfactorinlife.Childrenexperiencestressfromschool,newsocial

situationsandsimplygrowingup.Adultsfeelthestressofworking,payingbills,raisingkidsand

maintaininghouseholds.Seniorsalsofeelstress,eventhoughsomemayhaveretired,raisedtheir

childrenandpaidofftheirhomes.Certainamountsofstressareapartoflifeforpeopleofall

ages.

Forseniors,stresshasthepotentialtobeespeciallyoverwhelming.Thistypeoftensioninolder

adultshasuniquecontributingfactors,suchasthelossofanelderlyspouseorfriends.Living

alonecanincreasethesenseofisolation.Sometimesthesimpletasksofeverydaylifecancause

stressinthosewhoexperiencephysicalormedicallimitations.Theeffectsofstresscan

sometimesexacerbatehealthconditionsfromwhichsomeseniorssuffer,causingadditional

worry.

Stresscanbedetectedinvariousways.Youmayfollowthefivemcstcommonwaystofindoutif

alovedone'sstressiscauseforconcern:

1.Changesineatinghabits,suchasover-eatingorlossofappetite,canbecausedby

overwhelmingstress.

2.Moodswingsduetostressmaypresentinincreasedirritability,generalsadnessordepression.

3.Memoryissuesmayariseintheformofincreasedforgetfulnessofnames,placesorother

thingsthatnormallycomenaturally.Lackofconcentrationmaybecomeaproblem.Someseniors

mayexercisepoorjudgment,suchasexcessivespendingwhentheyarealreadyonalimited

budget.

4.Physicalsignsofstresscanincludebodyachesandpainsorincreasedepisodesofillness.

Changesinsleepingpatterns—eithertroublefallingasleeporinterruptednighttimesleep—can

signalsignificantstress.

5.Seniorsexperiencingoverwhelmingstressoftenisolatethemselvesfromothers,refusingto

socializeorparticipateinactivitiestheyusedtoenjoy.

What'sthemainthemeofthepassage?

A.Stressisexperiencedbyeveryone

B.Stressiscommonandcanbedetected

C.Stresscannotbeprevented

D.Stressiseverywhereandhardtodealwith

11、在Word主窗口的右上角，可以同时显示的按钮是（）。

A.最小化、还原和最大化

B.最大化、还原和关闭

C.最小化、还原和关闭

D.最大化和还原

12、办理个人存取款业务的金融机构对一日一次性从储蓄账户（含银行卡）提取现金（）（不

含）以上的，储蓄机构柜台人员必须要求取款人提供有效身份证件，并经储蓄机构负责人审

核身份证件姓名与存单（存折、银行卡）姓名一•致后予以支付。提现20万元（含）以上的，应

要求取款人至少提前一天预约。

A.3万元

B.5万元

C.8万元

D.10万元

13Manystateshave,amendedorrepealedlawstoimproveschoolnutrition.

A.instituted

B.organized

C.manufactured

D.enacted

14、在完全竞争市场条件下，处于长期均衡状态下的厂商将选择平均成本最小化所对应的生

产规模，这是因为()。

A.厂商自由进入将导致该行业中的厂商，不论其生产规模为多大，长期利润均为零

B.厂商追求利润最大化，为获得最大利润，厂商需要选择最小平均成本所对应的生产规模

C.厂商追求利润最大化和厂商的自由进入导致最大利润为零

D.行业中的厂商试图最有效的生产

Heating,ventilating,andairconditioning(HVAC)systemsareinmostofunderground

subwaystationstoprovidecomfortableandfreshairtoundergroundsubwaystations»

A.assembled

B.installing

C.equipped

□.installed

16、2019年12月31日，A公司涉及的一项未决诉讼预计很可能败诉。若败诉，A公司需承

担诉讼费20万元并支付赔款400万元，但基本确定可从保险公司获得补偿80万元。2019

年12月31日，A公司因该项目诉讼应确认的预计负债的金额为()万元。

A.320

B.340

C.400

D.420

17、ItisnothardtoreadArya,becauseshe()blusheswithembarrassmentwhenshehasa

terribleconversationwithothers.

A.habitually

B.habit

C.habits

D.habitual

18、Eventhoughmedicinecantakeyoubacktohealthifyoufallill,isrecommendedto

avoidsideeffects.

A.moderation

B.consideration

C.reflection

0.speculation

19、年度决算是银行在每个会计年度终了，对全年的会计资料加以归纳、整理与核实，以检

查本年度的（）。

A.各项财务制度及方针政策的情况

B.银行经营情况

C.银行盈亏情况

D.银行工作进展

20、在保险市场上，"道德风险"是指（）o

A.保险公司不能区分低风险顾客和高风险顾客

B.高风险顾客有激励提供错误信号使保险公司相信他是低风险顾客

C.保险公司可能会根据种族、性别和年龄来断定哪些是高风险顾客

D.顾客在购买保险后会改变自己的行为，即他在购买保险后的行为比之前更像一个高风险

的顾客

21、若网络形状是由站点和连接站点的链路组成的一个闭合环，则称这种拓扑结构为（）。

A.星形拓扑

B.总线拓扑

C.环形拓扑

D.树形拓扑

22、软件是（）。

A.所有程序的统称

B.所有技术文档资料的统称

C.所有保存在软盘上的程序的统称

D.所有程序及相关文档资料的统称

23、IfEnglishmeansendlessnewwords,difficultgrammarandsonetimesstrangepronunciation,

youarewrong.Haven'tyounoticedthatyouhavebecomesmartersinceyoustartedtolearna

language?

AccordingtoanewstudybyaBritishuniversity,learningasecondlanguagecanleadtoan

increaseinyourbrainpower,Researchersfoundthatlearningotherlanguageschangesgrey

matter.Thisistheareaofthebrainwhichprocessesinformation.ltissimilartothewaythat

exercisebuildsmuscles.

Thestudyalsofoundtheeffectisgreater,theyoungerpeoplelearnasecondlanguage.

AteamledbyDrAndreaMechelli,fromUniversityCollegeLondon,tookagroupofBritonswho

onlyspokeEnglish.Theywerecomparedwithagroupofttearlybilingualswwhohadlearntasecond

languagebeforetheageoffive,aswellasanumberoflaterlearners.

ScansshowedthatgreymatterdensityC密度）inthebrainwasgreaterinbilingualsthaninpeople

withoutasecondlanguage.But:helongerapersonwaitedbeforemasteringanewlanguage,the

smallerthedifference.

“Ourfindingssuggestthatthestructureofthebrainischangedb/theexperienceoflearninga

secondlanguage,“saidthescientists.

Itmeansthatthechangeitselfincreasestheabilitytolearn.

ProfessorDylanVaughanJonesoftheUniversityofWaleshasresearchedthelinkbetween

bilingualismandmathsskills/Havingtwolanguagesgivesyoutwowindowsontheworldand

makesthebrainmoreflexible,“hesaid/Youareactuallygoingbeyondlanguageandhavea

betterunderstandingofdifferentideas.”

ThefindingswerematchedinastudyofnativeItalianspeakerswhohadlearnedEnglishasa

secondlanguagebetweentheagesof2and34.Reading,writing,andcomprehensionwereall

tested.Theresultsshowed,thattheyoungertheystartedtolearn,thebetter.z/Studyinga

languagemeansyougetanentrancetoanotherworld,“explainedthescientists.

Inthelasttwoparagraphs,theauthorwantstotellusthat（）.

A.learningasecondlanguageisthesameasstudyingmath

B.Italianisthebestchoiceforyouasasecondlanguage

C.you'dbetterchoosetheagesbetween2and34tolearnasecondlanguage

D.earlylearningofasecondlanguagehelpsyouagreatdealinstudyingothersubjects

24、衡量一个社会生产力发展水平的客观尺度是（）o

A.生产工具

B.劳动者素质

C.科学技术

D.管理水平

25、“负债类”账户的本期减少数和期末余额分别反映在（

A.借方和借方

B.贷方和借方

C.借方和贷方

D.贷方和贷方

26、联合国大会将每年的（）定为“妇女和女童参与科学国际日”，今年的主题是“投资

妇女和女童参与科学，促进包容性绿色增长”。

A.2月10日

B.2月11日

C.2月12日

D.2月13日

27、OnbehalfofboardofdirectorsIappreciateyouforprovidingtheinformation.

A.request

B.requester

C.requesting

0.requested

28、根据图形规律，填入问号处最合适的一项（

I母I争李击？

A

B

C

D

A.如上图所示选项

B.如上图所示选项

C.如上图所示选项

D.如上图所示选项

29、下列不属于禁止债权转让的情形的是（）＜,

A.根据合同性质不得转让

B.依照法律规定不得转让

C.按照当事人约定不得转让

D.依照债权人要求不得转让

30、联合国总部设在（）。

A.日内瓦

B.维也纳

C.瑞士

D.纽约

31、“沉鱼落雁""闭月羞花"用以形容古代四大美女，下列形容古代四大美女与其关系对应不

正确的是（）«

A.沉鱼——西施

B.落雁一一王昭君

C.闭月一一赵姬

D.羞花一一杨玉环

32、目前国家开发银行的贷款主要是（）0

A.硬贷款

B.软贷款

C.信用贷款

D.抵押贷款

33.Internet中使用最广泛的协议是（）。

A.SMTP协议

B.SDH/SONET协议

C.OSI/RM协议

D.TCP/IP协议

34、近年来，我国影子银行快速发展，成为弥补实体经济融资缺口的重要渠道，但其隐匿着

巨大风险，对此，下列说法不正确的是（）o

A.资金回报要求过低，绕过国家的货币政策

B.资金使用不匹配，现金流稳定性差

C.缺少风险防范措施，难以做到事先预警

D.保护机制先天不足，风险容易扩散

35、Thegoaloftheprojectistoexpandthescientificknowledgerelevanttoimproving

healthoutcomesforwomenandchildreninlowincomecountries.

A.entire

B.total

C.target

□.overall

36、Everyoneintheorganizationhasa（n）tothiskindofinformation.

A.access

B.right

C.try

D.look

37、资料：JobDescription

A+ENetworksCo-BrandedCreativeDepartmentislookingforamotivatedcandidatewith1-3

years*experiencetobepartofauniquedepartmentontheA&Ebrand.Theselectedcandidate

willbeworkingonco-brandedsponsoredentertainmentandbrandedpartnershipsforA&E

Network.

OurpreferredcandidatewillpossessapassionfortheA+Ebrandsandisknowledgeableof

co-brandededsponsoredentertainment.TheProductionCoordinatorwillbeavaluedteam

memberbyactingasGrandCentralandsupportingtheteam（internalandexternal）withall

logisticalneeds,suchascollectingassetstoproducespotsandkeepingtrackofalldepartment

activitiestosupporttheoverallworkflow.Therightcandidatewillhaveabalancebetweenbeing

detailoriented/organizedwhenitcomestotheproductionprocessanddeadlines,aswellas

havingthedesiretocontributetodevelopment.

Whichofthefollowingqualitymayhelpacandidatetogetthejob?

A.Hardworkingbuttaciturn

B.Littleknowledgeofco-brandedsponsoredentertainment

C.Experiencewithon-airpromotionproduction

D.Withlittlepostproductionexperience

38、银行汇票持票人未在代理付款行开户的，原持票人需要一次或分次转账支付的，应由其

填制支款凭证，并交验本人身份证件。其会计分录为()。

A.借：存放联行款项(联行往账)贷：应解汇款一一持票人户

B.借：应解汇款一一原持票入户贷：现金

C.借：应解汇款一一原持票入户贷：xx科目一一XX户

D.借：现金贷：应解汇款一一持票人户

39资料：It'salmostconsideredsacrilegioustodaytoleaveworkattheendofyourworkdayor

(forshamel)onaFridayandsimplynotcheckyouremailuntilyoureturntheofficeduring

normalworkinghours.

Theconstantneedtocheckemailisthetrade-offthemodernworkforcehasmadefortheability

toworkanytime,anywhere,thankstosmartphonesandtabletsthatkeepusalwaysconnected.

Butthreeuniversityresearchershavefoundthatit'snotjustdoingabitofworka代erhoursthat

causeburnout.Thetrueculpritisactuallytheconstantworryingaboutoff-houremail.

Anewstudy"ExhaustedButUnabletoDisconnect."byLehighUniversity'sLiubaBelkin,Virginia

Tech'sWilliamBeckerandColoradoStateUniversity'sSamanthaConroyshowsthatemployees

aregrowingexhaustedbytheexpectationthattheywillalwaysbeavailable,neverknowingwhat

kindofworkrequestswillaskedofthemoffhours.

Typically,companiesdon'tmeantostressemployeesoutlikethat.Mostcompaniesdon'thave

formalpoliciesthatsaypeoplemustanswerworkemailsafter-hours.(expect,perhaps,incases

whereanemployeeisoncallduringspecifictimes).

Butpoliciesandculturetendtobetwodifferentthings.Ifsupervisorsroutinelyemailemployee

afterhoursandexpectafastresponse(oftenbecausetheirsupervisorsaredoingthesameto

them),thenthemessageisclear:wheneverthebossemails,theemployeeisexpectedtobe

available.

Thesolutionisforbossestotellemployeesthatanafter-hoursetraildoesn'tnecessarilyrequire

aresponsebeforethenextworkday,andtoalsosetsometimeswhenafter-hoursemailingis

consideredacceptableandpronibited,suchasnoemailsviathedinnerhour;onweekends,or

after10p.m,theresearcherssay.

Whatwouldyoudoifyouwerethepolicymakerofacompany?

A.Torequireaninstantrespondforafter-houremailing

B.Toabandonafter-houremailing

C.Totellemployeesthatanafter-hoursemaildoesn'tnecessarilyrequirearesponse

D.Tolimitthetimeofa代er-hoiremailing

40、资料：Whatifyouweretoldtherewasawayyoumaystrengthenyourcognitiveskillsand

heightenyourintelligence,andallyouhadtodowaswaslearntostrikeupbasicconversationsin

anotherlanguage?

Itprobablysoundsgreat,becauseifyou'relikemostyouwouldlovetobeabletospeakasecond

language.Butthen,yourecallyourexperienceinhighschoolforeignlanguage-boringtote

memorizationandlonghourswithlittleprogress-andperhapsitdoesn'tsoundsogoodany

more.

But,whatifyouweretolditwouldtakeonly10daystobeonyourwaytobecomingbilingual?

Mostpeoplerecognizethemanybenefitsoflearningaforeignlanguage:Youcantraveltoforeign

countriesandfellcomfortable,beamoreproductiveandenticingemployeeintoday's

competitivejobmarket,andimmerseyourselfinthevastculturesthatsurroundyou.

Butnow,thecollectiveevidencefromanumberofrecentstudiessuggeststhatthebilingual

experienceimprovesthebrain'sso-calledexecutivefunction-acommandsystemthatdirectsthe

attentionprocessesthatweuseforplanning,solvingproblems,andperformingvariousother

mentallydemandingtasks.

Theseprocessesincludetheabilitytoignoredistractionstostayfocused,switchingattention

willfullyfromonethingtoanother;andholdinginformationinthemind-likerememberinga

sequenceofdirectionswhiledriving.

Evenbetter,newapproachestolearningmeanyoucanlearnanewlanguagewithouttheendless

repetition,homework,andmemorization.Oneofthemostpowerfulactuallytrainspeopleto

startspeakinganewlanguageinaslittleas10days!Infact,itzssopowerful,eventheFBIhas

purchasedit!

Wanttoknowmoreaboutthisamazingapproach?Clickhere!

Thoselearningaforeignlanguagemay.

A.seemmoreproductiveinthejobmarket

B.comfortablytraveltoforeigncountries

C.gettoknowdifferentcultures

D.alloftheabove

41、Yournaturalhaircolorbeginstofade()yougrowolder,andintimeyougrowgrey.

A.since

B.when

C.while

D.as

42、下面有关计算机的叙述中，正确的是()0

A.计算机的主机只包括CPU

B.计算机程序必须装载到内存中才能执行

C.计算:机必须具有硬盘才能工作

D.il•算机键盘上字母键的排列方式是随机的

43、Thecustomerwantedtogetarefund,becausethepurchasedmerchandisewasneithergood

inquality()price.

A.or

B.nor

C.for

D.but

44、In2012,thelastfloodhitthesouthwesternpartoftheNetherlandsandcausedmore

than1800casualties.

A.adverse

B.radical

C.severe

0.disastrous

45、下列各项中不属于会计核算一般要求的是()。

A.各单位必须根据实际发生的经济业务事项进行会计核算。编制会计报表

B.各单位必须按照国家统•的会计制度的要求设置会计科目和账户、复式记账、填制会计

凭证、登记会计账簿、进行成本计算、财产清查和编制财务报表

C.使用电子计算机进行会计核算的，其软件及其生成的会计凭证、会计账簿、财务报告和

其他会计资辩.也必须符合国家统一的会计制度的规定

D.各单位对经济业务事项进行会计核和时必须使用人民币

46、商业银行不动用本身资金，为顾客提供的各类服务的业务是()0

A.负债业务

B.证券业务

C.中间业务

D.同业拆借业务

47>Ifwehadfollowedhisplan,wewouldhavedonethejobwith()moneyand()

people.

A.fewecless

B.lessjess

C.lessjewer

D.fewerjewer

48、资料：Nativeads-oradsthattakeonthelookandfeel