全國銀行招聘考試重點試題精編

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密

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一、選擇題

1、通過觀察持續(xù)數(shù)期的會計報表，比較各期的有關(guān)項目金額，分析有關(guān)指標(biāo)的增減變動情

況，并在此基礎(chǔ)上獲知有關(guān)企業(yè)發(fā)展前景信息，這種會計報表分析方法被稱為（）。

A.趨勢分析法

B.比較分析法

C.因素分析法

D.比率分析法

2、（）要求企業(yè)提供的會計信息應(yīng)當(dāng)反映與企業(yè)財務(wù)狀況、經(jīng)營成果和現(xiàn)金流量有關(guān)的所有

重要交易或者事項。

A.相關(guān)性

B.及時性

C.重要性

D.可比性

兇密3、2008年全球金融危機爆發(fā)以來，世界主要國家央行尸始采取特殊貨幣政策，美國在利率

封

線水平已經(jīng)接近紀(jì)錄最低時，推出了一系列非常規(guī)貨幣政貸，包括為了支持銀行貸款的長期流

動性供給，為壓低長期利率的資產(chǎn)購買計劃等，除美國以外，美國、日本和歐洲銀行也采取

了非常規(guī)貨幣政策。IMF于2013年5月16日發(fā)布了《非常規(guī)貨幣政策：最近經(jīng)驗與前景》

報告，報告稱發(fā)達國家的非常規(guī)貨幣政策在很大程度上秒助實現(xiàn)了該國政策目標(biāo)，諸如持續(xù)

兩年左右的購買國債計劃幫助美國和英國的GDP增速提升了約2個百分點，然而，發(fā)達國

家的這些政策對世界其他國家也造成了很大的影響，大量資本流入拉丁美洲和亞洲，導(dǎo)致新

興市場的匯率過度升值和波動。

下列不屬于貨幣政策目標(biāo)的是（

A.物價穩(wěn)定

B.國際收支逆差

C.充分就業(yè)

恬

D.經(jīng)濟增長

4、資料：（一）

Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouse

owner;forexample,knowsthathispropertycanbedamagedbyfire,theshipownerknowsthat

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.

Thelegalbasisofallinsuranceisthe“policy”.Thisisaprintedformofcontract.Itstatesthatin

returnfortheregularpaymentbytheinsuredofacertainsumofmoney,calledthe“premium",

whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,if

theriskactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseems

veryold-fashioned,butthereisasoundreasonofthis.Overalargenumberofyears,manylaw

caseshavebeenbroughttcclearupthemeaningsofdoubtfulphrasesinpolicies.Thelawcourts

havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthe

phraseshavecontinuedtobeusedinpolicesevenwhentheyhavepassedoutofnormalusein

speech.

Theinsuranceofbusinesses^ordinaryrisksisnotpossiblebecause.

A.suchrisksareveryexpensive

B.suchriskscannotbeestimatedprecisely

C.suchrisksaretoohigh

D.thepremiumwouldbetoohigh

5、Passage1

Thereisawonderfulstoryaboutayounggirlwhohadnofamilyandnoonetoloveher.

Oneday,feelingverysadandlonely,shewaswalkingthroughagrasslandwhenshenoticeda

smallbutterflycaughtinathorn（荊棘）bush.Theyounggirlcarefullyreleasedthe

butterfly.lnsteadofflyingaway,thelittlebutterflychangecintoabeautifulfairy.Theyounggirl

rubbedhereyesindisbelief.

“Foryourwonderfulkindness/thegoodfairysaidtothegirl/lwillgiveyouanywishyouv/ould

like.^Thelittlegirlthoughtforamomentandthenreplied/lwanttobehappy//

Thefairyleanedtowardherandwhisperedinherear.Thenthefairydisappeared.

Asthelittlegirlgrewup,therewasnooneinthelandashappyasshe.Everyoneaskedhersecret

ofhappiness.Shewouldonlysmileandanswer/ThesecretofmyhappinessisthatIlistenedtoa

goodfairywhenIwasalittlegirt”

Whenshewasveryoldandonherdeathbed,theneighborsallgatheredaroundher,andfeared

thatherunbelievablesecretofhappinesswoulddiewithher/Tellus,please,“theybegged/Iellus

whatthegoodfairysaid/Thelovelyoldwomansimplysmiledandsaid/Shetoldmethat

everyone,nomatterhowsecuretheyseemed,nomatterhowoldoryoung,howrichorpoor,had

needofme.”

()thegirlfeltsadandlonely.

A.Thereweremanyfriendsbut

B.Therewasnobodytoloveherso

C.Therewasnothingtodo

0.Seeingthebutterflywascaught

6、年度決算是銀行在每個會計年度終了，咐全年的會計資料加以歸納、整理與核實，以檢

查本年度的()。

A.各項財務(wù)制度及方針政策的情況

B.銀行經(jīng)營情況

C.銀行盈虧情況

D.銀行工作進展

7、下列各項中不屬于會L核算一般要求的是()。

A.各單位必須根據(jù)實際發(fā)生的經(jīng)濟業(yè)務(wù)事項進行會計核算。編制會計報表

B.各單位必須按照國家統(tǒng)?的會計制度的要求設(shè)置會計科目和賬戶、復(fù)式記賬、填制會計

憑證、登記會計賬簿、進行成本計算、財產(chǎn)清查和編制財務(wù)報表

C.使用電子計算機進行會計核算的，其軟件及其生成的會計憑證、會計賬簿、財務(wù)報告和

其他會計資辯.也必須符合國家統(tǒng)一的會計制度的規(guī)定

D.各單位對經(jīng)濟業(yè)務(wù)事項進行會計核算時必須使用人民幣

8、安徒生是丹麥童話作家，他的代表作是()。

A.《拇指姑娘》

B.《灰姑娘》

C.《白雪公主》

D.《小紅帽》

9、Youmusthavetheexperiencethatyourvoice()onthetelephone.

A.distorted

B.irregular

C.twisted

D.deformed

10>Mr.Backussimplyreplacedtheoriginalequationwithhisownforadreamdate,

whichincludedthepercentageofwomenlikelytofindhimattractive,andthenumberofgirls

aged24to34inLondon.

A.designation

B.measures

C.criteria

0.legislation

11、Trytomakeyourreportasaspossible:onlygiveusthefacts,andnotyouropinions.

A.subjective

B.objectionable

C.subjected

D.objective

12、“負(fù)債類〃賬戶的本期減少數(shù)和期末余額分別反映在()。

A.借方和借方

B.貸方和借方

C.借方和貸方

D.貸方和貸方

13、在其他條件不變的情況下，如果央行調(diào)高法定存款準(zhǔn)備金率，那么貨幣系數(shù)(

A.保持不變

B.將變大

C.將變小

D.難以確定

14、資料：Everyoneknov/sairlinepricingisbasedonsupplyanddemand.Faresaremore

expensiveduringpeaktravelseasonslikesummerandtoprimedestinationslikeEuropean

capitals.SoifaflighttoRomecostsmorethanaflighttoMilan,you'dthinkthatdemandfor

Romemustbehigherorsupplylower.

What'spuzzlingisthatyoucanpayahighpricetoagivendestinationbutadramaticallylower

pricefortheexactsameflightifyouagreetogoontoanotherdestination.

TakeAlitaliatoRome,forinstance,fortravelinAugust.Around-trip,economyflightdirectlyto

RomeleavingJFKat10:05p.m.onAlitalia611onAugust5costs$1,655whenbookedonApril30.

Comparethatto$903foraround-trip,economytickettoMilan(stoppinginRome)leavirgJFK

ontheexactsameAlitalia611flightat10:05p.m.onAugust5.SowhyisAlitaliawillingtoflyto

Romefor$752lessthanitwouldotherwise,plusgiveyouanextraone-and-a-half-hourflightto

Milan?

Airlineshaveincreasedtheirprofitabilityinrecentyearsbysegmentingthemarketforairtravel

andchargingcustomersdifferentpricesforthesameproduct.Inthiscase,themarketis

segmentedbasedondemandfordirectflights.Airlinesknowmostpeopleprefertheshortest

routetotheirdestination,sotheymakecustomerspayupfortheprivilegeofflyingdirect.(They

alsomakeitalittlemoreinconvenientifyoudon'tpayupforadirectflight,inordertoencourage

youtoflydirect.)

Whenpricesbecomesoobviouslyillogical,itmaybetimetorevisitwhyairticketscar'tbe

transferredorresoldjustlikeanyothernormalproduct.Iftheairlinesareentitledtoexploitthe

freemarket,shouldn'tcustomersbeallowedtodothesamething?

What'stheauthor'sattitudetothepresentairlinepricing?

A.Neutral

B.Positive

C.Negative

D.Notmentioned

15、FTP是Internet中()。

A.發(fā)送電子郵件的軟件

B.瀏覽網(wǎng)頁的工具

C.用來傳送文件的一種服務(wù)

D.一種聊天工具

16、資料：Upto80percentoftheworld'smiddleclasseswillliveindevelopingcountriesby2030

thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreport

publishedonThursday.

“Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedso

dramaticallyandsofast/,'concludestheUN'slatestDevelopmentReport."Theworldis

witnessinganepochal'globalrebalancing7,

Underpinningtheimprovementsinthehumandevelopmentindex(HDI)wasrapidgrowthin

countriessuchasChina,IndiaandBrazil,withChinaandIndiahavingdoubledpercapita

economicoutputinlessthan20years.Butthestudystressedthatgrowthandimprovementsin

HDIspreadfarbeyondthefourBriecountriesofBrazil,Russia,IndiaandChina,andincludedat

least40countriesthathadaccompaniedgreatereconomicdynamismwitheffective

poverty-reductionpolicies.

Afghanistan,SierraLeone,Ethiopia,RwandaandAngolawereamong14countriesthathave

recordedgainsinHDIofrrorethan2percentayearsince2000.Partlyasaresult,thereport

foundthatworldwideextremeincomepovertyhasplungedfrom43percentin1990tojust22

percentin2008,includingmorethan500mbeingliftedoutofpovertyinChinaalone.Thereport

statedthatsuchgainshadalreadyhelpedtheworldachievethemainpovertyeradicationgoalof

theso-calledMillenniumDevelopmentGoals,whichcalledfortheshareofpeoplelivingonless

than$1.25adaytobecutbyhalffrom1990to2015.

Underpinningthispovertyreductionwasdevelopingcountrieszincreasingshareofglobaltrade,

whichgrewfrom25percentto47percentbetween1980and2010./zThesouthasawholeis

drivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies/saysthe

report.

Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,

increasingfromlessthan10percentoftotalglobaltradetomorethan30percent."Trade

betweencountriesinthesouthwillovertakethatbetweendevelopednations/thereportsaid.

Theword“underpinning"inthepassagerefersto.

A.blocking

B.undergoing

C.supporting

0.stressing

17、資料：Asmorepersonalbusinessisconductedthroughsmartphonedevices,moreusersare

implementingsecuritymeasuresfortheirdevices,accordingtoarecentsurveybyHarrisPolland

commissionedbytheCTIA.

Thesurveywasapartofthecompany'songoingeffortstoboostusereducationonthepitfallsof

mobilesecurityandassesswhethertheCTIA/sinitiativesareworking.

ItturnsoutthatmobileusersintheUShavebegunimplementingmanyoftheinitiativessetforth

andhaveincreasedbothawarenessof,andprotectionfor,theirmobiledevices:

MoresmartphoneusersareprotectingtheirdeviceswithPINsandpasswordsthaninprevious

years.In2016,ofsmartphoneusershadsomesortofPIN/password,upfrom2015andform

2012.

Anincreasingnumberofsmartphoneusershaveinstalledbuilt-inremotelock-and-erase

software.Ofsurveyrespondents,havethistypeoflock-and-erasesoftwareinstalled,upan

astoundingfrom2015andfrom2012.

Smartphoneusersareincreasinglyawareoftheimportanceofanti-virussoftware.of

smartphoneusershaveananti-virussoftwareinstalled,comparedwithonlyofsmartphone

ownersin2015,accordingtoBlIntelligence.

Thesurveyresultsindicatethatusersarebecomingincreasinglyawareofthedangerposedby

theincreasingrelianceonmobiletechnologyformnotonlymaliciousentitieslikehackers,but

alsogovernmentsurveillance.Specifically,usersareincreasinglyseekingforwaystoguard

themselvesinlightofanumberofrecenthigh-profileincidentsinvolvingphonesecurity-like

Apple'scaseagainsttheFBI,forexample.

Becauseofthis,itwillbecomeincreasinglycommonforappdevelopersanddevicemanufactures

tobuildinsecurityandend-to-endencryption.Thiscanbeseenindevicesandappssuchas

WhatsAppandiPhones.Developersanddevicemanufacturersthatdon'tincludethisfeaturein

theirproductscouldbefacedwithnegativeconsumerattitudes.

ItcanbeinferredthatWhatsAppandiPhones.

A.hadbuiltinsecurityandend-to-endencryption

B.includedtheCTIAfeatureintheirproducts

C.werefacedwithnegativeconsumerattitudes

D.cooperatedwithFBItoguaranteethesecurety

18、Hehasbeenstudyinghereforthreeyears,bynextsummerhe_.

A.willgraduate

B.willhavegraduated

C.willbegraduated

D.willbegraduating

19、Thesearchwasbasedonthesamecombinationofconceptsandsearchterms

andanother176publications.

A.yielded

B.offered

C.provided

0.supplied

20、Thepropertywillbeshownbyonlyinanefforttoseparatethefansfromtheserious

buyers,becausethecurrentownersarelookingforbuyerswhowanttokeepthehouseintact。

A.interest

B.interview

C.application

0.appointment

21、新中國成立以后，我國政府制定了“兩彈一星"的戰(zhàn)略決策，這一戰(zhàn)略目標(biāo)的實現(xiàn)是在

()。

A.20世紀(jì)50―60年代

B.大躍進時期

C.20世紀(jì)60-70年代

D.“文革〃時期

22、貸款呆賬(損失)準(zhǔn)備金計提范圍不應(yīng)該包括的項目是()。

A.各項貸款

B.應(yīng)收利息

C.貼現(xiàn)

D.同業(yè)拆出

23、WhilefoodwasteisahottopicintheU.S.,it'saparticularinlow-incomenetions

wherefoodissometimesascarceresourcetobeginwith。

A.increase

B.initiative

C.damage

D.challenge

24、同業(yè)拆借業(yè)務(wù)中，拆入銀行拆入資金時應(yīng)借記的科目是()o

A.存放同業(yè)款項

B.同業(yè)存放款項

C.同業(yè)拆入

D.存放中央銀行款項

25、資料：Goodlisteningismuchmorethanbeingsilentwhiletheotherpersontalks.Tothe

contrary,peopleperceivethebestlistenerstobethosewhoperiodicallyaskquestionsthat

promotediscoveryandinsight.Thesequestionsgentlychallengeoldassumptions,butdosoina

constructiveway.Sittingtheresilentlynoddingdoesnotprovidesureevidencethatapersonis

listening,butaskingagoodquestiontellsthespeakerthelistenerhasnotonlyheardwhatwas

said,butthattheycomprehendeditwellenoughtowantadditionalinformation.Goodlistening

wasconsistentlyseenasatwo-waydialog,ratherthanaone-way“speakerversushearer”

interaction.Thebestconversationswereactive.

Goodlisteningincludedinteractionsthatbuildaperson'sself-esteem.Thebestlistenersmade

theconversationapositiveexperiencefortheotherparty,whichdoesn'thappenwhenthe

listenerispassive(or,forthatmatter,critical!)Goodlistenersmadetheotherpersonfeel

supportedandconveyedccnfidenceinthem.Goodlisteningwascharacterizedbythecreationof

asafeenvironmentinwhichissuesanddifferencescouldbediscussedopenly.

Goodlisteningwasseenasacooperativeconversation.Intheseinteractions,feedbackflowed

smoothlyinbothdirectionswithneitherpartybecomingdefensiveaboutcommentstheother

made.Bycontrast,poorlistenerswereseenascompetitive——aslisteningonlytoidentifyerrors

inreasoningorlogic,usingtheirsilenceasachancetopreparetheirnextresponse.Thatmight

makeyouanexcellentdebater,butitdoesn'tmakeyouagoodlistener.Goodlistenersmay

challengeassumptionsanddisagree,butthepersonbeinglistenedtofeelsthelisteneristrying

tohelp,notwantingtowinanargument

Accordingtotheparagraph,agoodlistenerwouldNOT.

A.Uselogic

B.Disagreewiththespeaker

C.Response

D.Besilent

26、下列籌資方式中屬于混合籌資方式的是()。

A.認(rèn)股權(quán)證籌資

B.發(fā)行可轉(zhuǎn)換債券

C.吸收直接投資

D.融資租賃

27、古希臘智者學(xué)派的出現(xiàn)，表明人類第一次意識到自己是自身所屬社會的審判者，人有資

格、有力量，也有權(quán)利重新規(guī)范自己的生活，這是原始宗教和自然統(tǒng)治之下人類自我意識的

第一次覺醒，是西方人文精神的起源。這種理論是()。

A.水是萬物的本原

B.感覺即知識

C.人是萬物的尺度

D.知識即美德

28、下列句子中語序排列最連貫的一項是()o

(1)瘟疫同人類文明史如影隨形。

(2)無論是宗教式的祈禱還是對惡疾的救治，在這些作品中，我們都能看到人類面對痕疫

時所做出的頑強的抗?fàn)帯?/p>

(3)歐洲的文藝復(fù)興時期，藝術(shù)巨匠們不僅用畫筆謳歌上帝天使，同時也在描繪撒旦和死

神。

(4)人類社會發(fā)展歷程中，政治、經(jīng)濟、文化、宗教等方方面面都有它的影子。

(5)作為硬幣的反面，那些與死亡相關(guān)的畫作很多都是以瘟疫作為敘事背景。

A.(4)(1)(3)(5)(2)

B.(1)(4)(3)(5)(2)

C.(1)(5)(2)(4)(3)

D.(4)(3)(5)(2)(1)

29、Althoughthegreatwhitesharkhasafearsome,inastraightfight,itisoutclassedby

thekillerwhale.

A.reputation

B.imagination

C.aggression

0.acquisition

30、下列屬于中國銀行業(yè)監(jiān)督管理委員會監(jiān)管標(biāo)準(zhǔn)的有（）。

A.促進金融穩(wěn)定與金融創(chuàng)新

B.監(jiān)管成本最優(yōu)

C.增進市場信心

D.增進公眾對現(xiàn)代金融的了解

31>資料：FORTWOMARKETINGEXECUTIVES

LegendCo.isaninternationalfamouscompanyspecializedinmanufacturingfurnitureand

householdappliances.ItisheadquarteredinNewYorkandhasestablishedover30branches

aroundChina.Withtherapdgrowth,nowthecompanyneedstwomarketingexecutives.

Qualifications:

Nationality:Chinese

Education:masterdegreeinMarketing,Management,Economicsorotherrelatedmajors.

Experience:atleast3years*experienceinmarketing.

Skills:goodcommandoforalEnglish;proficientcomputerskills.

Others:obedienttoarrangementsofthecompany;frequentbusinesstripsareacceptable.

Ifyouwanttoworkinthecompanyandarequalified,pleasecallat01087654321andcontactMr.

Smith.

Whoisthemostsuitablepersonforthispost?

A.Emma,masterdegreeinEnglish,frequentbusinesstripsareacceptable

B.LiLei,masterdegreeinManagement,3years*experienceinmarketing,goodEnglishand

computerskills

CJack,bachelordegreeinManagement,goodEnglish

DJimmy,masterdegreeinMarketing,2years*experienceinmarketing,goodEnglishand

computerskills

32、Accordingtoourrecords,yourmembershipattheendofDecember.

A.willexpire

B.expiring

C.toexpire

0.expired

33、假如在某個發(fā)展中國家名義利率為8%,通貨膨脹率為17%,則實際利率為（）。

A.25%

B.1.36%

C.-9%

0.9%

34、在營銷環(huán)境威脅分析矩陣圖中，第團象限表示（

A.環(huán)境威脅的影響程度小，但出現(xiàn)的概率大

B.環(huán)境威脅的影響程度大，出現(xiàn)的概率也大

C.環(huán)境威脅的影響程度大，但出現(xiàn)的概率低

D.環(huán)境威脅的影響程度小，而且出現(xiàn)的概率也小

35、甲乙兩人相約同時從AB兩地相向而行，10個小時后相遇。但實際上甲先從A地出發(fā)，

2個小時后乙才出發(fā)，乙出發(fā)60分鐘后，雙方之間的距離是兩人走過的距離的三倍。已知

甲比乙每小時多走10公里，則AB兩地之間的距離是多少公里？()

A.200

B.100

C.250

D.150

36.Itwasthetraining()Samhadatschool()madehimanexcellentrunner.

A.what;what

B.that;that

C.what;that

D.that;which

37、我國首家金融衍生品交易所是().

A.上海期貨交易所

B.中國金融期貨交易所

C.大連商品交易所

D.深圳證券交易所

38、It'sstandardpracticeforacompanylikethisone()asecurityofficer.

A.employed

B.beingemployed

C.toemploy

D.employs

39、根據(jù)《商業(yè)銀行法》的規(guī)定，商業(yè)銀行可以()。

A.從事信托投資和股票業(yè)務(wù)

B.代辦保險

C.向非銀行金融機構(gòu)和企業(yè)投資

D.從事股票業(yè)務(wù)

40、資料：Workforceplanninghelpsanorganizationtoestimateitsfutureworkforce

requirementsandcalculatethenumbers,natureandsourcesofpotentialemployeeswhomight

meetthatdemand.

Effectiveworkforceplanninghelpscompaniesidentifyandplanhowtotackletheircurrentand

futureworkforcechallengesandpriorities.Itprovidesasoundbasisfordevelopinganeffective

workforcestrategy.

Aneasywayofthinkingaboutworkforceplanningittogettherightnumberofpeople,withthe

rightskills,intherightplace,attherighttime.Forourcompany,therightpeoplewillbethose

withrelevantskillsandcapabilitiestodrivethecompanyforwardthisyear,nextyearandfuture

years.Ourcompanythenprovidestraininganddevelopmentopportunitiesthatenablepeopleto

enhancetheirskillsetsancbuildtheircareers.Thisgivesthecompanythecontinuedbenefitof

experienced,committedandwell-trainedemployees.

Likeotherestablishedcompanies,wemayhavealargenumberoflong-standingemployeeswith

vastskillsandexperience.However,aspeopleretire,itneedstoreplacethoseskills.Careful

monitoringisessentialtoexaminetheageandskillsprofileoftheworkforcewhencompared

withpresentandfuturecompanyneeds.Thisensuresthebusinesscanmeetitsobjective.

Whyisworkforceplanningsoessential?

A.becauseitenablesthecompanytoknowitsemployeesbetter

B.becauseitmakesthecompanypreparedforthepotentialchallenges

C.becauseitgivestheemployeesachancetoreceivetraining

D.allabove

41、資黎I?:Westernbusinessvisitorsareoftendeadline-drivenandunwillingtoslowdowntothe

Chinesepacewhendiscussingbusiness.ButinChinathepacecanbefastandslow

simultaneously.

Anotherdifferentapproachtodoingbusinessisthatinabu/ingdecisionWesternerstendtolook

forclearalternatives,whileEasternersmayexaminewaystocombinebothoption.Forexample,

aChinesepanelmayfeelthatasupplierwhoclaimsofbestqualitywithalowpricemayeither

raisethepriceduringthecontractorfailtoimplementthecontract.Theywillthereforeoften

prefertochooseasupplierwhosepriceisneitherthecheapestnorthemostexpensive.In

addition,aChinesepanelmayavoidawardingeachsuppliermorethanonecontract,inorderto

minimisedependenceonasinglesupplier.SuchanapproachmaymakeaWesternerthinkthata

Chinesenegotiatorisbeingillogical,evasiveordevious,whenhebelievesheisbeingquite

straightforward.

What'smore,bothChineseandforeigncompanieswilloftenattributetheirbusinesssuccessto

havinggoodguanxi.TheobjectiveofdevelopingcloserelationshipsistobuildwhattheChinese

callguanxi(pronouncedgwanshee).whichareessentiallysocialorbusinessconnectionsbased

onmutualinterestandbenefit.Inacentralisedandbureaucraticstate,relianceonpersonal

contactsisoftenseenastheonlywaytogetthingsdone.AndinaplacelikeChinawherethe

legalsystemisstillrelativelyweak,theneedtorelyonguanxiremainsstrong.

BothChinaandforeigncompanieswilloftenattributetheirbusinesssuccesstohavinggood

guanxi.Buttheobligationsofguanxiareveryreal.Inthewrongplace,ataninappropriatetime,

withunsuitablepeople,theobligationscanbecomeatrapitishardtoescape.

Whatistheauthor'sattitudetowards//Guanxi,??

A.Unbiased

B.Slightlycritical

C.Fullysupportive

0.Paradoxical

42、某家庭2000年總收入為10萬元人民幣,2012年時,該家庭的總收入增加至38萬元人

民幣，根據(jù)恩格爾定律，與2000年相比，2012年該家庭用于食品的支出在家庭總收入中的

比重()o

A.保持不變

B.將會下降

C.將會增長

D.無從判斷

43、從融資角度看，下列屬于間接融資工具的是（）o

A.銀行承兌匯票

B.企業(yè)債券

C.商業(yè)票據(jù)

D.公司股票

44、如果將一國貨幣幣值的提高定義為升值，那么，對該國來說，將導(dǎo)致（）。

A.直接標(biāo)價法匯率數(shù)值將減小，間接標(biāo)價法匯率數(shù)值將減小

B.直接標(biāo)價法匯率數(shù)值將減小.間接標(biāo)價法匯率數(shù)值將增大

C.直接標(biāo)價法匯率數(shù)值將增大，間接標(biāo)價法匯率數(shù)值將減小

D.直接標(biāo)價法匯率數(shù)值將增大，間接標(biāo)價法匯率數(shù)值將增大

45、在我國，對于項FI型管理的企業(yè)來說，會優(yōu)先采取哪一種運作模式？（）

A.事業(yè)部制

B.矩陣制

C.直線職能制

D.職能制

46、2020年4月16日電，商務(wù)部會同中央網(wǎng)信辦、工業(yè)和信息化部聯(lián)合認(rèn)定了首批12家

國家數(shù)字（），這將有利于加快數(shù)字貿(mào)易發(fā)展和數(shù)字技術(shù)應(yīng)用，培育貿(mào)易新業(yè)態(tài)新模式，

實現(xiàn)服務(wù)貿(mào)易高質(zhì)量發(fā)展。

A.貿(mào)易示范區(qū)

B.經(jīng)濟創(chuàng)新發(fā)展試驗區(qū)

C.服務(wù)出口基地

D.經(jīng)濟產(chǎn)業(yè)區(qū)

47、根據(jù)科曼提出的領(lǐng)導(dǎo)生命周期理論，通過領(lǐng)導(dǎo)的工作行為、領(lǐng)導(dǎo)的關(guān)系行為和下屬的成

熟度建立一個三維結(jié)構(gòu)的有效領(lǐng)導(dǎo)模型，其中（）具有低工作行為、低關(guān)系行為和適用

于成熟度高的下屬。

A.說服型領(lǐng)導(dǎo)

B.授權(quán)型領(lǐng)導(dǎo)

C.參與型領(lǐng)導(dǎo)

D.命令型領(lǐng)導(dǎo)

48、資料：TalkaboutChristmasinJuly.CarrieRochahasalreadystartedherholidayshopping.Z/A

fewweeksbackIpickedupa$60toyfor$4,and,truthbetold,Ipickedupawholelotmorethan

that/shewroteinanemail."\spentabout$80totalandgot$350+intoys.”

Ifyouthinktheholidaysstarttooearlyasitis,youmayfindherapproachabitoverboard.But

severalyearsago,Rochaandherhusbanddugoutofdebt,payingoffsome$50,000inconsumer

debt,aprocessshedetailedinherbookandwebsitePocketYourD.Oneoftheir

strategies,shesays,wasto“stoppretendingtheholidaysdon'tcomeeveryyear/

Whetheryouwanttothinkaboutitornot,thefactistheholidayswillbeherebeforeyouknowit.

Sounlessyouhaveplentyofmoneytothrowaroundorplantoforgofestivitiesaltogether;nowis

thetimetostartplanningforadebt-freeandlessstressfulholiday.

Accordingtothepassage,whydidRochabuyquiteafewtoysinJuly?

A.Becausethetoyswereonsaleinmoststores

B.BecauseshewaspreparingthegiftsforChristmas

C.Becausetheholidayseasoniscoming

0.Becauseshelovestogiveouttoysasgifts

49、一般而言，物價水平年平均上漲率不超過2%?3%的是（）。

A.爬行通貨膨脹

B.溫和通貨膨脹

C.惡性通貨膨脹

D.奔騰式通貨膨脹

50、掠奪交易是指以強制手段為基礎(chǔ)、一方強迫另一方的利益轉(zhuǎn)移（包括其承教物的轉(zhuǎn)移〉。

下列不屬于掠奪交易的是（）。

A.甲有一幅非常珍貴的古名畫，乙知道后千方百計想得到，就請甲的領(lǐng)導(dǎo)出面，用一幅現(xiàn)

代名畫將乙的那幅畫換到手

B.張某撰了一個雜貨攤點，一天，有一人來買塑料面盆，她拿出一元錢塞給張說；“我知道

你賣三元一只，我們是鄰居，就一元賣給我吧。"說完就拿走了面盆

C.小李家正搞裝潢，誰知預(yù)算失誤，少買了兒平米某名牌木地板，急需補上，經(jīng)銷商謊稱

木地板漲價，必須加價，最終小李以三倍的價格買回所需地板

D.小王和小章是兩位集郵愛好者，他們常常交換郵品，雖然有時用以交換的郵品價格懸殊，

但雙方都非常樂意，亳無怨言

二、多選題

51、Passage4

AMtNrORING（導(dǎo)師制）programisgivinglifechangingopportunitiestoBanburyyouth.

YoungInspirationswasfoundedtwoyearsagotoprovidementoringsessionsforstudentsand

unemployedyoungadultsaged11to21.

AlexGoldberg,theprogram'sfounder,said「'WesetupYoungInspirationsbecausewewantedto

giveyoungpeopleexperienceswhichwillpotentiallybelifechangingandbroadentheir

outlook.Wetrytocreateworkexperienceopportunitiesthatwillreallymakeadifferencetoour

youth.Forexample,we'vesecuredinternshipswithworld-famousfirmssuchasHonda.”

“Atatimeoffundingcutbackswhereschoolsarefindingitmoreandmoredifficulttoofferthis

kindofmentoring,itisextremelyimportantthattheseopportunitiesareavailablebothtohelp

youthwiththeirschoolworkandgradesandtogivethemopportunitieswhichmayhelpshape

theirfutures/'KieranHepburn,14,isoneofagroupofBanburyyouthwhohasbenefitedfromthe

programsofar.lnOctobertheBanburySchoolpupilwasaccompaniedbyYoungInspirationsstaff

toPariswherehewasanobserverattheUnitedNationsEducational,ScientificandCultural

Organization's（UNESCO）InternationalYouthForum.

Theeventwasheldforyoungpeoplefromaroundtheworld,toseektheirviewsonhowthe

futureofyouthandeducationshouldlook.Kieranjoinedseveralhundredobserversmostlyin

their20sandwastheonlyUKschoolpupiltoattendtheevent.Kieranthinksthetripwasalife

changingexperience/BeforeweleftIdidn'tquiteknowv/hattomakeofitbutwhenwegot

therewedidn'tstopjtwasamazing/hesaid/Wewenttothreeorfourhoursofdebateseachday

andthendidsomethingculturaleachafternoon/

Themainthemeoftheforumwashowyouthcandrivechangeinpoliticalandpubliclife.ltdealt

withissuessuchasdrugabuse,violenceandunemployment.

Kieransaid/Ithasreallyhelpedmetoimprovemyconfidenceandsocialskillsaswellasmy

schoolgradesandIwasvotedmostimprovedpupilatschoclinAugust/

TheYoungInspirationsmentoringsessionstakeplaceeachFridayinBanbury.Fordetailsvisit

.

Accordingtothepassage,theforumfocusedonhowyouth