全國銀行招聘考試重點試題精編

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密

!(參考答案和詳細解析均在試卷末尾)

一、選擇題

2:1、(1)電報、電話、廣播、電視機問世之初都曾被認為會引發(fā)災難，現(xiàn)在又輪到智能手機

量i等移動設備了。家長們擔心，移動設備會使青少年遠離社會，不與其他人交往。既然之前的

|新技術已經被證明是無害的，人們?yōu)槭裁匆獡鷳n呢？

(2)一個原因可能是新技術后果的評估和其問世之間存在滯后，在擔心新技術而下一代造

成的影響方面確實如此。人們的焦慮和趣聞軼事在不斷增加。統(tǒng)計學中的一句格言是，軼事

;的復數(shù)形式不是“數(shù)據(jù)〃，但可能是“媒體報道

(3)在《心理科學》(PsychologicalScience)上發(fā)表的一篇論文中,杜克大學研究人員馬德

琳?喬治(MadeleineGeorge)和坎蒂絲?歐哲斯(Candiceedgers)評估了迄今為止有關社交媒

，體對青少年影響的科學證據(jù)。他們發(fā)現(xiàn)，青少年普遍沉浸于數(shù)字世界。在一項調查中，青少

i年每天發(fā)送60條短信，78%的青少年擁有能上網的手機。

i(4)但喬治?歐哲斯團隊也發(fā)現(xiàn)，沒有證據(jù)支持家長們的擔心。他們的結論是，青少年在移

1動世界的體驗與實際生活中的體驗是相互平行的，前者不會取代后者。青少年主要利用移動

設備與線下己經認識的朋友溝通。青少年會有不愉快的線上體驗，但這些體驗與他們在線下

一|的不愉快體驗類似。

兇去(5)2007年、2013年在荷蘭和百慕大進行的兩次大規(guī)模調查顯示，線上溝通活躍的青少

國1年有更多和更鐵的朋友，小規(guī)模研究也得出了這樣的結論。沒有跡象表明移動設備使用的增

I加影響了青少年與其他人之間的友誼。

[(6)也有家長們擔憂，移動技術會使孩子們與家長疏遠或使孩子們容易受到陌生人侵害，

1但喬治,歐哲斯團隊并沒有發(fā)現(xiàn)支持這些擔憂的證據(jù)。研究人員倒是發(fā)現(xiàn)，顯示屏會影響睡

眠，無論這是由LED屏幕發(fā)出的光線還是由“數(shù)字世界〃帶來的興奮造成的。因此，讓孩子(包

I括家長)不把手機放在床邊是個不錯的做法。

!(7)盡管有了這項研究的成果，以及之前有關技術引發(fā)災難的預言都己落空，人們?yōu)槭裁?/p>

1相信移動設備對青少年的影響會不同于以往的新技術呢？一種原因可能是，技術和文化改變

!的體驗對成年人和孩子們是不同的，心理學家稱之為“文化棘輪〃。每一代孩子會輕松和自動

j接受前幾代人的全部技術，但每一代都會推出新技術，作為成年人，理解這些新技術要困難

得多。

恬

（8）不可避免的是，在人們眼中，自己出生前的歲月像是伊甸園，孩子出生后的歲月就像

是“瘋狂的麥克斯

第4段中作者提至IJ“喬治-歐哲斯團隊〃的研究結果是"沒有證據(jù)支持家長們的擔心〃，請推測怎

樣的證據(jù)最能支持“家長們的擔心〃？（）

A.增加線上溝通會減少青少年與朋友的距離感

B.移動世界的體驗與實際生活中的體驗是相同的

C.青少年沉浸于數(shù)字世界之后很少參加線下活動

D.青少年可以通過移動設備在線上交到更多的好朋友

2、高爾基說：“智慈是珠寶，如果用謙虛謹慎鑲邊，就會更加絢爛奪目?！ㄟ@表明（）。

A.良好的科學文化修養(yǎng)有利于促進思想道德修養(yǎng)

B.良好的思想道德修養(yǎng)有利于促進科學文化修養(yǎng)

C.只要提高思想道德修養(yǎng)，就一定能提高科學文化修養(yǎng)

D.思想道德修養(yǎng)的提高與科學文化修養(yǎng)無關

3、若一國的財政收入比支出要少，則說明該國出現(xiàn)（）。

A.通貨膨脹

B.金融危機

C.財政赤字

D.貿易赤字

4、人工智能的出現(xiàn)對哲學意識論的意義是（）。

A.否定了意識對物質的能動性

B.根本改變了人類意識活動中的主體性

C.降低了人在意識活動中的主體性

D.表明意識活動與其他物質運動形式的同一性

5、It'sthepaintingsinLouvreDaVinciworkedonforyearshavebecomea

fascinationtopeoplefromallovertheworld.

A.where;that

B.that;when

C.that;that

D.where;when

6、4月10日，中國銀行在境外成功發(fā)行38億美元等值第五期（）主題債券。此次發(fā)

行包括美元、歐元、澳元，人民幣和港幣5個幣種，共計8個債券品種，發(fā)行主體包括中國

銀行香港分行、澳門分行，悉尼分行、盧森堡分行、法蘭克福分行。債券將在香港聯(lián)合交易

所掛牌上市，部分品種還將在中歐國際交易所、法蘭克福證券交易所和盧森堡證券交易所上

市。

A.亞歐大陸

B.全球一體化

C.中歐友好

D.一帶一路

7、20世紀60年代以后，在大公司生產和經營多元化的發(fā)展過程中，投資銀行被確立為()

的重要對象。

A.合伙人制

B.混合公司制

C.信貸公司制

D.股份所有制

8、資料：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.YourCDisautomaticallyrenewedforthesameperiodinabsencecfany

otherinstruction,attherulingrateofinterestonthedateofrenewal.Thereisnograceperiod

forautomaticrenewalofdepositsonmaturity.Fordepositsissuedfor1yearormore,wesend

maturitynoticestothedepositors2to4weeksbeforetheduedate.

MinimumAmount:EasytoStart

TheminimumamountacceptedisUSD2000

OtherFeatures:

l.FDICInsuranceUpto5100,000

2.FacilitytoOpenJoint&CorporateAccounts

AdditionalDeposits:

Additionalamountsdepositedintoanaccountwillbetreatedasfreshdeposits&separate

certificatesofdepositswillbeissuedforsuchdeposits.

EarlyWithdrawal:

Withdrawalofdepositbeforeitsdateofmaturitymaybeallowedatbank'sdiscretion.Irthat

event,interestwillbepaidattherateapplicablefortheperiodforwhichthedepositremained

withthebankorthecontractedrate,whicheverislower,asprevailingonthedateofdeposit,less

onepercent.However,nointerestshallbepaidonthedepositwhichrunsforlessthan30days.

Thereisnootherpenaltyorchargeonearlywithdrawal.

BankofIndiaCDsaresafebecause()

A.CDisasafeinstrument

B.BankofIndiaissafe

C.CDisinsured

D.AIIoftheabove

9、下面屬于非票據(jù)結算的是（）o

A.匯兌結算

B.匯票結算

C.本票結算

D.支票結算

10、AirfareswillbeonJuly20,Domesticflightswillgodownby10percent,but

internationalflightswillgoupby.

A.revised

B.resided

C.reshaped

0.reserved

11、Shetoldusthatclassificationisauseful()totheorganizationofallkindsofknowledge.

A.means

B.approach

C.mode

0.manner

12、犯罪的未遂可能發(fā)生在（）o

A.犯罪著手以前

B.犯罪著手以后

C.犯罪預備階段

D.犯罪中止之后

13、下列不屬于通信三要素的是（）。

A.信源

B.信宿

C.信道

D.電信

14、下列說法錯誤的是（）o

A.高性能結構材料屬于新材料領域

B.航空空間技術屬于高新技術領域

C.太陽能是可再生能源

D.電能是一次能源

15、WiththeU.S.governmentamassinggrowingamountsofeveryyear,itneedsthe

moneythatforeigninvestorsoffer.

A.currency

B.cost

C.payment

D.debt

16、Highlyemotional,lackinginself-confidence,heknockedaboutinjobsasayoungman

beforesettlingonthestudyofart.

A.various

B.overall

C.modified

D,peculiar

17、我國政府提出的()是“低碳〃概念的核心概念。

A.節(jié)能減排

B.環(huán)境保護

C.出口退稅

D.計劃生育

18、資料：2014hasbeenalandmarkyearforAlibaba.Justlastweek,theChinesee-commerce

juggernautsetaworld-recordsellingUS$9.3Billionworthofgoodsin24hoursonSinglesDay.A

fewmonthsback,Alibabaclaimedthetitleoftheworld'sbiggestIPO,raisingUS$25Billiononthe

NYSE.ThingswillonlygetbggerforAlibaba.

OnthebackofthehistoricsigningoftheChina-AustraliaFreeTradeAgreementyesterday,

AlibabaannouncedinMelbournetheircontinuedcommitmenttobringingAustralianproducts,

brandsandbusinessesclosertoChina'sonlineconsumersviait'sAlipaypaymentplatformand

TaobaoMarketplace.

AlipayisthelargestonlinepaymentserviceproviderinChina.Withmorethan800rriillion

Chineseaccounts,Alipayisalreadythebiggestmobilepaymentprocessorintheworld.Itclears

80milliontransactionsperday,including45milliontransactionsthroughit'sAlipayWalletrrobile

appandprocessedUS$780billionworthoftransactionsintheyearendedJune30.Alipayisone

ofsixfinancialservicesentitiesthatwillfallundertheumbrellaofAntFinancialServicedGrcup,a

rebrandingofAlipayFinancialServices.Thereareplanstotakethismoneymakingmachine

publictoo.

AlipayAustraliahasbeenestablishedasalocalentitythatwillworkwithitsjointventurepartner;

paybangtohelpAustralianbusinessesandmerchantsaccessAlipay'scross-borderpayment

solutions.AlipayhasalsobeenworkingwithAustraliaPosttosell,distributeandpromotethe

AlipayPurchaseCardacross4,400retailoutletsforAustralianshopperstouseontheTmal.com

andTaobaoMarketplaceplatforms.

Alipay'sextensionintoAustralia,followsitsmoveintotheU.SwiththelaunchofitsePay

paymentprogram,whichhandleseverythingfrompaymentprocessingandcurrencytranslation

forU.S.retailers.

WhatdidAlibabadoaftersign-offofChina-AustraliaFreeTradeAgreement?

A.ItannouncedthattheywouldimportmoreAustralianproductsintoChina

B.ltannouncedthattheywouldpromotethetradebetweenChinaandAustralia

C.ltannouncedthattheywouldintroducemoreAustralianproductstoChinesecnline

consumers

D.ltannouncedthattheywouldbringmoreChinesegoodsintotheAustralianmarket

19、Luckily,thebulletnarrowmissedthecaptain()aninch.

A.by

B.at

C.to

D.from

20、Internet中使用最廣泛的協(xié)議是（）。

A.SMTP協(xié)議

B.SDH/SONET協(xié)議

C.OSI/RM協(xié)議

D.TCP/IP協(xié)議

21、三廢（廢氣、廢水、廢渣），對社會產生的效應屬于（）。

A.消費的正外部性

B.生產的正外部性

C.生產的負外部性

D.消費的負外部性

22、Passage5

Desertification,drought,anddespair-thatiswhatglobalwarminghasinstoreformuchof

Africa.Orsowehear.

Emergingevidenceispaintingaverydifferentscenario,oneinwhichrisingtemperaturescould

benefitmillionsofAfricansinthedriestpartsofthecontinent.Scientistsarenowseeingsignals

thattheSaharadesertandsurroundingregionsaregreeningduetoincreasingrainfall.If

sustained,theserainscouldrevitalizedrought-ravagedregions,reclaimingthemforfarming

communities.Thisdesert-shrinkingtrendissupportedbyclimatemodels,whichpredictareturn

toconditionsthatturnedtheSaharaintoalushplainsome12,000yearsago.

ThegreenshootsofrecoveryareshowinguponsatelliteimagesofregionsincludingtheSahel,a

semi-desertzoneborderingtheSaharatothesouththatstretchessome2,400miles.

Imagestakenbetween1982and2002revealedextensivere-greeningthroughoutthe

Sahel,accordingtoanewstudyinthejournalBiogeosciences.Thestudysuggestshugeincreases

invegetationinareasincludingcentralChadandwesternSudan.Thetransitionmaybeoccurring

becausehotterairhasmorecapacitytoholdmoisture,whichinturncreatesmorerain,said

z

MartinClaussenoftheMaxPlanckInstituteforMeteorologyinHamburg?Germany/The

water-holdingcapacityoftheairisthemaindrivingforce."Claussensaid.

Whilesatelliteimagescan'tdistinguishtemporaryplantslikegrassesthatcomeandgowiththe

rains,groundsurveyssuggestrecentvegetationchangeisfirmlyrooted.IntheeasternSaharaarea

ofsouthwesternEgyptandnorthernSudan,newtreesareflourishing,accordingtoStefan

Kropelin,aclimatescientistattheUniversityofCologne'sAfricaResearchUnitinGermany.

“Before,therewasnotasinglescorpion,notasinglebladeofgrass/saidKropelin,whohasstudied

theregionfortwodecades/Nowyouhavepeoplegrazingtheircamelsinareaswhichmaynot

havebeenusedforhundredsoreventhousandsofyears.Youseebirds,ostriches,ccming

back,evensortsofamphibianscomingback/hesaid/zThetrendhascontinuedformorethan20

years.ltisindisputable/

Anexplosioninplantgrowthhasbeenpredictedbysomeclimatemodels.Forinstancejn2005a

teamledbyReindertHaarsmaoftheRoyalNetherlandsMeteorologicalInstituteinDeBiltzthe

NetherlandsjorecastsignificantlymorefuturerainfallintheSaheLThestudyinGeoph/sical

ResearchLetterspredictedthatrainfallintheJulytoSeptemberwetseasonwouldrisebyupto

twomillimetersaday,by2O8O.

Satellitedatashows/zthatindeedduringthelastdecade,theSahelisbecominggreenedHaarsma

said.Evenso,climatescientistsdonotagreeonhowfutureclimatechangewillaffectthe

Sahel—somestudiessimulateadecreaseinrainfall/Thisissueisstillratheruncertain/Hasrsma

said.

MaxPlanck'sClaussensaidNorthAfricaistheareaofgreatestdisagreementamongclimate

changemodelers.Forecastinghowglobalwarmingwillaffecttheregioniscomplicatedbyitsvast

sizeandtheunpredictableinfluenceofhigh-altitudewinds:hatdispersemonsoonrains,Claussen

added/Halfthemodelsfollowawettertrend,andhalfadriertrend.”

Whatistheroleofthesixthparagraphinthedevelopmentofthetopic（）

A.Tomakeatransitiontoanewtopic

B.Toworkasahooktothefollowingparagraphs

C.Toprovideacontrasttotheprecedingparagraphs

D.Tooffersupportingevidencetotheprecedingparagraph

23、股票足（）o

A.可以隨時收回的股金憑證

B.投資入股和按期獲得股息收入的憑證

C.一般貸款取得利息的憑證

D.沒有價值不能買賣的無價證券

24、下列抽樣方法中，屬于非概率抽樣的是（）。

A.分層抽樣

B.整群抽樣

C.判斷抽樣

D.等距抽樣

25、大額可轉讓定期存單最早產生于美國。美國的《Q條例》規(guī)定商業(yè)銀行對活期存款不能

支付利息，定期存款不能突破一定限額。20世紀60年代，美國市場利率上漲，高于《Q

條例》規(guī)定的上限，資金從商業(yè)銀行流入金融市場。為了吸引客戶，商業(yè)銀行推出可轉讓

大額定期存單。購買存單的客戶隨時可以將存單在市場上變現(xiàn)出售。

第一張大額可轉讓定期存單是1961年由美國花旗銀行發(fā)行的。這樣，客戶實際上以短期存

款取得了按長期存款利率計算的利息收入?？赊D讓大額存單提高了商業(yè)銀行的競爭力，而且

也提高了存款的穩(wěn)定程度。對于發(fā)行存單的銀行來說，存單到期之前，不會發(fā)生提前提取存

款的問題?？赊D讓大額定期存單的出現(xiàn)是一種積極意義的金融創(chuàng)新。

根據(jù)上述材料，回答下列問題：

大額可轉讓定期存單屬于金融工具創(chuàng)新，除此以外,金融創(chuàng)新還包括金融業(yè)務創(chuàng)新等方面。

下列選項中，（）是商業(yè)銀行的負債業(yè)務創(chuàng)新的主要表現(xiàn)。

A.存款業(yè)務

B.貼現(xiàn)業(yè)務

C.貸款業(yè)務

D.證券業(yè)務

26、隨著生產和生活垃圾的急劇增加，垃圾處理已成為一個重要的社會和經濟問題。而有關

專家卻說垃圾是放錯了地方的資源?！▽⒗闯墒?放錯了地方的資源"這段話（）。

A.堅持了聯(lián)系的觀點，世界上一切事物都是相互聯(lián)系的

B.混渚了矛盾主次方面，看不到矛盾主要方面決定事物性質

C.堅持了矛盾的分析方法，看到矛再雙方在一定條件下相互轉化

D.違背了矛盾普遍性和特殊性辯證關系，看不到矛盾的普遍性

27、Heholdsanimportantpositioninthecompany.（）Jdon,tquitetrusthim.

A.Thus

B.Furthermore

C.Otherwise

0.Nevertheless

28、某大型晚會的導演組在對節(jié)日進行終審時，有六個節(jié)目的尚未確定是否通過，這六個節(jié)

目分別是歌曲A、歌曲B、相聲C、相聲D、舞蹈E和魔術F。綜合考慮各種因素，導演組確

定了如下方案：

（1）歌曲A和歌曲B至少要上一個；

（2）如果相聲C不能通過或相聲D不能通過，則歌曲A也不能通過；

（3）如果相聲C不能通過，那么魔術F也不能通過；

（4）只有舞蹈E通過，歌曲B才能通過。

導演組最終確定舞蹈E不能通過。

由此可以推出：（）。

A.無法確定論述F是否能通過

B.歌曲A不能通過

C.無法確定兩個相聲節(jié)目是否能通過

D.歌曲B能通過

29、Passage4

AlexTaw,a21yearoldstudentfromWiltshire,England.Hespentlastsummerlikeanyotherhigh

schoolgraduate—hangingoutwithfriends,preparingforcollege,worryingabouthisuniversity

fees.Whilemostofhispeersgaveupontheirpipedreams,hesatdownwithanotebookat

home,andjotteddownthequestion:HowcanIbecomeamillionaire?

TheresultwastheMillionDollarH.Alexzsinitialinvestmentwas50poundstobuy

webspaceandadomainname.Hedividedtheblankhorrepageintoonemillionpixels,10,000

blocksof100pixelseach.Eachpixelwasworth$lwithminimumpurchase100pixels.Withina

monthAlexhadearnedsome$37,000,enoughforhimtocovertheentirecostofhisforthcoming

threeyearsatuniversity.lnjustafewmonths,hebecamearealmillionaire.

HowdidhecomeupwiththeideaoftheMillionDollarHomepage?

“Well」wastryingtothinkofawaytomakesomemoneybeforeIstarteduniversity,asIwas

abouttotakeonahugedebtandIwasalreadyoverdrawn.Swiftactionwasnecessary!z/Hesaid.

Healsoadded/Theimportantthingisthatanythingispossible—weareonlylimitedbyour

imagination.!alwayshadthisbeliefthatagoodideacanbesuccessfulonitsown.IthinkI've

learnedthatifwethinkdeepertherearemagicalsolutionshidingawayforustofind.”

Hispersonalphilosophyarcundmoneyis:Moneyisnoteverything,butit'sanessentialpartofthe

waywelive.Havingsomeremovesacertainamountofstress,but,unlesswearecarefuljtcan

createanewtypeofstress.

Healsosaid,“Istillwanttogotouniversity.Asidefromgainingknowledgeaboutbusiness,there

areotherreasons-exploringyourinterests,meetingnewpeople,andbeinginacreative

environment//

Besidesmakingcontributionstosociety,hewouldtrytoencourageandinspirepeopletothinkof

creativesolutionstoproblems,whatevertheyare.

Accordingtothepassage,whichofthefollowingisNOTanimportantfactorforbeingamillionaire?

()

A.Largeimagination

B.Quickaction

C.Greatambition

D.Greatinvestment

30、經濟成本和經濟利潤具有以下特征()o

A.前者比會計成本小，后者比會計利潤大

B.兩者都比相應的會計成本和會計利潤大

C.前者比會計成本大，后者比會計利潤小

D.兩者都比相應的會計成本和會計利潤小

31、資料：AmericanAirlinesCEOtakesblameformaintenanceerrors,disruptedflights

Friday,April11,2008

ByTERRYMAXONandDAVEMICHAELS/TheDallasMorningNews

AmericanAirlineschairmanandchiefexecutiveofficerGerardArpeysaidThursdaythatheis

taking"personalresponsibility"forthebadmaintenancethathasforcedthecarriertocancel

some3,000flightsthisweekforaircra代inspections.

MD-80ssatonthesidelinesatDallas/FortWorthInternationalAirportonThursday,when

AmericanAirlinescanceledmorethan930flightsasinspectionscontinued.TheFortWorth-based

carrierhascanceled570flightsscheduledtoday.

“Irunthecompany//Mr.Arpeytoldreportersatanafternoonnewsconference//soifthere/sany

blametobehad,itismyfault,andItakefullresponsibilityforthis.”

Americancanceledmorethan930flightsThursdayasitsmechanics,qualityassuranceinspectors

andengineersworkedtoensurethatthecarrier'sfleetof300MD-80jetswouldmeetFederal

AviationAdministration(FAA)regulations.

TheFortWorth-basedcarriercanceled570flightsfortodayaswell,andexpectsthedisruptions

tocontinueintotheweekend,althoughanairlinespokesmansaidSaturday'scancellationsshould

befewerthantoday's.

OnTuesday,AmericangroundeditsfleetofagingMD-80s,whichhaveanaverageageofmore

than18yearsandincludesomepasttheir25thbirthday,toredochecksofthewiringharnesses

intherightwheelwellofthejets-onlytwoweeksafterithadperformedthesameinspections.

TheFAAhassaidinrecentdaysthatitsenforcementhasn'tchangedorbecomestricter.But

SenatorKayBaileyHutchiscnsaidairlineshavetoldherthey'venoticeddifference.

“Thestandardisnowoeingvery,veryrigidlyenforcedandleewayisbeingtaken

away//Ms,Hutchisonsaid/1canztsayifitzsfoodorbad.ButIknowthatit'schanged//

Today,theU.S.hasfivetoeightaviationfatalitiesper100millionpeoplewhoflyeachyear;

duringthemid-1990s,itwasabout45deathsper100millionpeopleflown.

TheultimateproblemthatpromptedthegroundingoftheAmericanAirlinesfleetisthat.

A.ithasnotdoneanyinspectionsbefore

B.itsairplanesarefartoooldtoflyanymore

C.ithasnotmettheFAAmaintenancestandard

D.thefatalityratehasdoubledinthelast15years

32^Whenweread,weconstructamentalofthetextinourminds,muchaswedowhen

wetookatanareaoflandandcreateamentalmapinourheads.

A.representation

B.imagination

C.interpretation

0.identification

33、資料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedinto

reverse,accordingtoastudybyDr.IlarrisCooper,professorofpsychologyattheUniversityof

Missouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummer

vacation,they'velostonetothreemonthsworthoflearning.

Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"

saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunities

topracticereadingthanmath.Thestudyalsofoundthatincomehasanimpactonhowmucha

studentlosesorgainsinreading.Middle-classchildrenactuallygainedinreadingoverthe

summer,whilelower-incomestudentsexperiencedlosses.Cooperattributesthistothe

enrichmentactivitiesthatmanymiddle-classkidsparticipateinoverthesummer,suchascamp

andtrips.

Yourkidsdon'thavetospendthesummerstuckinreverse."Parentscanhelptheirkidsretain

educationalskills,"saysCooper.Hesuggeststhefollowingfivetipstokickoffalearning-filled

summer.

1.Keeplotsofbooksaroundandmakeregulartripstothelibrary.Mostlibrariesschedulespecial

summereventsforkids.Signupyourfamily!

2.Thinkaboutwhatyourkdsmaybelearningnextyearwhenyouplanthefamilyvacation.Talk

withteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,

youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.

3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,iryto

dosomespecialplanningtofindmath-relatedactivities.Forexample,ifyoucan'tdecidewhether

tosignyourchildupfor"Shakespeare'sTheater"or"MathMagic"atthelocalcommunitycenter,

gowiththemath.

4.Considersummerschoolortutoring.Strugglingkidscangetalotofdifferentkindsofhelp

fromtheseprograms.Summerschoolcanalsoenrichandacceleratelearninginareaswherekids

showaspecialinterest.

5.Callthecurriculumcoordinatorinyourchild'sschooldistrict,visittheschoolboardoffice,or

contacttheschoolsofeducationatlocalcollegesanduniversitiestofindoutwhateducational

programswillbeofferedinyourareaoverthesummer.

Remembertokeepitfun!Youdon'twanttosouryourkidsonlearningduringthesummerbreak.

Howdoseincomeaffectastudent^losesorgainsinsummerlearning?（）

A.Lower-incomechildrenexperiencedloseinmathoverthesummer

B.Middle-classchildrengainedinlearningoverthesummer

C.Lower-incomechildrengainedinmathoverthesummer

D.Middle-classchildrensufferedloseinmathoverthesummer

34,Theteachingbuildingwasnamedthepersonwhodonatedmoneyforit.

A.with

B.after

C.by

D.from

35、企業(yè)提供的會計信息應當能夠反映其財務狀況、經營成果和現(xiàn)金流最，以滿足會計信息

使用者的需要，屬于（）的運用。

A.相關性原則

B.可比性原則

C.實質重于形式原則

D.客觀性原則

36、某企業(yè)實收資本1000萬元，資本公積500萬元，未分配利潤150萬元。盈余公積400

萬元，則留存收益為（）萬元。

A.550

B.1500

C.650

D.900

37、資卷|Tomanageteamsorganizationrequireeffectivemanagers.Highlyskilledandtrained

managerscanmakemoreinformeddecisions.Theuseofbeatpracticemodelsenablesmanagers

toensuretheirteamsoperateefficiently.Thiswillimprovequalityforcustomersasstaffwillbe

bettertrainedtodealwithcustomers'needs.ltwillalsoimproveteameffectivenessandhelp

organizationstoperformbetter.

Astheymanagetheirteam,teamleadersneedtoconsiderthemostsuitablemanagementstyle

touse.Forexample,anautocraticmanagerwouldliketoretaincontrol.Withoutconsulting

others,theywouldtellsubordinateswhattodo.

Thisisparticularlyappropriatewhendecisionsneedtobemadequickly,forinstance,ina

recessionwhendelayscouldleadtoabusinessclosing.Incontrast,ademocraticmanagerwould

encourageparticipationbyemployees.Sharedinformationwouldallowtheteamtoinfluence

decisionmaking.Thisisparticularlyappropriatewhenthereisahighlyskilledworkforceorwhen

newdevelopmentsarebeingconsidered.However,thisstylecanbetime-consumingandso

wouldnotbethebestoptionwhendecisionsareneededquickly.

Whatistrueofademocraticmanager?

A.s/helovespeopletodiscussproblems

B.s/heislikelytodelaythedecisions

C.s/heseldomconsultsothers

D.s/heneedstomakequickresponse

38、Sheandanotherwomanwereconvictedin2005oftax___butwerereleasedunderan

amnesty.

A.evasion

B.enclosure

C.erosion

0.exception

39、年度決算時，若結轉科目不是同一級科目的則生成上級科目的戶數(shù)和余額的調整表，根

據(jù)調整表調整（）。

A.分類賬

B.明細賬

C.所有賬戶

D.總賬

40、已知某企業(yè)本年目標利潤為2000萬元，產品單價為600元，變動成本率為30%,固定

成本總額為600萬元，則企業(yè)的保利量為（工

A.61905

B.14286

C.50000

D.54000

41、分子生物學的研究表明

A.細胞是遺傳信息的載體

B.細胞核是遺傳信息的載體

C.DNA是遺傳信息的載體

D.細胞壁是遺傳信息的載體

42、在Word編輯狀態(tài)下，"剪切"、"復制"、"粘貼〃操作的組合鍵分別是（）。

A.Ctrl4-X.Ctrl4-V.Ctrl-4-C

B.Ct門手D,Ctrl4-

C.Ctrl4-VCCtrl4-X、Ctrl4-CCtrl4-V

D.Ctrl4-V,Ctrl4-C

43、資料：TheOakviewCafe

12TorpointHill,Aylesbury.Buckinghamshire.HP217SR

www.aokviewcafc.co.uk

TheOakviewCafeproudlypresentsGordonMacaulayinasoloconcertat7p.m.on10

September.Mr.Macaulayisknownforhispoeticsongsandfluidguitarplaying.LaurenTigheof

TheAylesburyRecordwrites,"GordonMacaulayhasoneofthemostmelodiousvoicesIhave

everheard."Don'tmissthisrareopportunitytohearhimintheintimatesettingoftheOakview

Cafe.Ouraward-winningcnef,LucasBrizard,willprepareaselectionofuniquedishes,butour

regularmenuitemswillalsobeavailableonthedayoftheshow.Spaceislimited-purchaseyour

ticketsnowbyphoneoratthecafeduringnormalbusinesshours.Formoreinformationabcutus

andafulllistingofourdishesfortheevent,pleasevisitourWebsite.

Whatdoesthenoticeencouragereaderstodoonline?

A.Purchaseticketsforanevent

B.Viewafulldinnermenu

C.Listentosamplesofmusic

D.Readreviewsofaperformance

44、關于股票和公司債券的公開行為，以下說法正確的是（）。

A.股票發(fā)行實行核準制，公司債券實行審批制

B.股票和公司債券均實行審批制

C.股票和公司債券均實行核準制

D.股票發(fā)行實行審批制，公司債券發(fā)行實行核準制

45、Tomeettheethicalrequirements,theparticipantswereinformedthattheirinvolvementin

thestudywasvoluntaryandthattheirpersonalprivacywouldbetreated.

A.confidentially

B.proudly

C.confidently

D.secretly

46、資料：ZhangQiaoliuseshersparebedroomforstoringherstockofladies*fashion-wearand

photoshoots.SheisoneofmorethanfivemillionsmallonlinestoresoperatingacrossChina,

somefromsmallapartmentsorevencollegedormitories.Shebuysdressesandaccessories

wholesale;atpricesunder$5,usingthewebsiteTaobao,shesellsthemonastheKittyLoverat

pricesunder$10.

TaobaoisownedbyChinesee-commercegiantAlibabaandthebrainchildoffounderJackMa.It

isafree-to-useonlinemarketplacewithsome800millionproductlines-fromfoodtoclothesto

technology.

AcrossChina,onlinecompanieslargeandsmallarelearninghowtobeeffectivee-commerce

players-orfaillikeUSgoliatheBay,whichwastrouncedbyupstartTaobaobackin2006.

In2010,China'sonlineshoppingindustryhadaturnoverof$80bn,andgrew87%year-on-year.

China's420millioninternetusersspendaroundabillionhourseachdayonline-andlastyear,

185millionmadeatleastoneonlinepurchase.AccordingtoBostonConsultingGroup,the

volumeisexpectedtoincreasefourfoldby2015.

E-commerceischangingthewayChineseconsumersthinkaboutshopping:online,itismore

socialthanahardsell.It'sanewengagingexperiencetosavor.

InChineseretail,trustisararecommodity.Thereareplentyoffakesonline,andbuyersareoften

cursedbyscamsorshoddygoods.Still,consumerfaithine-commercestoresisremarkably

robust.That'sbecause,apartfromitsconvenienonlineshoppinghasshiftedthebalanceof

powerfromsellerstobuyers.OnlineshoppinginChinaismoret