全國銀行招聘考試重點(diǎn)試題精編

注意事項(xiàng)：

1.全卷采用機(jī)器閱卷，請考生注意書寫規(guī)范；考試時(shí)間為120分鐘。

口卜

2.在作答前，考生請將自己的學(xué)校、姓名、班級(jí)、準(zhǔn)考證號(hào)涂寫在試卷和答

題卡規(guī)定位置。

3.部分必須使用2B鉛筆填涂；非選擇題部分必須使用黑色簽字筆書寫，字體

工整,筆跡清焚。

4.請按照題號(hào)在答題卡上與題目對應(yīng)的答題區(qū)域內(nèi)規(guī)范作答，超出答題區(qū)域

書寫的答案無效:在草稿紙、試卷上答題無效。

密

g（參考答案和詳細(xì)解析均在試卷末尾）

一、選擇題

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W\1、資料：Doyouwanttoseetheworld?ThenplantovisittheSilverPoseidonCruisesCareerFair

*；onTuesday,November15from9a.m.to4p.m.orWednesday.November16from5p.m.to9

p.m.Wearelookingforfoodservice,entertainers,andmaintenancesstafftoworkaboardour

manyvessels.FreetravelisjustthebeginningwhenyouworkforSilverPoseidonCruises.

Weofferpaidtraining,greatbenefits,andopportunitiestoadvance.Applicantsshouldhaveat

;leastthreeyearsofrelatedworkexperienceaswellasgoodcomrrunicationskillsandbeableto

worknightsandholidays.SelectedapplicantswillbecalledbackforasecondinterviewbySunday,

November20.

Foradvanceregistration,pleasevisitourWebsiteatbySunday.

November13.

Formoreinformation,

Pleasecall1-800-555-7962

Or

e-mailElenaRuizat

兇密eruiz@

用JjtWhatbenefitisNOTmentionedintheadvertisement?

\A.Careeradvancementopportunities

B.Paidtrainingprograms

；C.Freetravel

D.Timeoffforholidays

i

2、長期股權(quán)投資的被投資單位因增資擴(kuò)股而增加的所有者權(quán)益，銀行應(yīng)記賬為（

A.借：長期股權(quán)投資一一股票投資（股權(quán)投資準(zhǔn)備）貸：資本公積一一股權(quán)投資準(zhǔn)備

B.借：資本公積一一股權(quán)投資準(zhǔn)備貸：長期股權(quán)投資一一股票投資（股權(quán)投資準(zhǔn)備）

C.借：資本公積一一股權(quán)投資準(zhǔn)備貸：長期股權(quán)投資一一股票投資（股權(quán)投資準(zhǔn)備）一一其他

股權(quán)投資（股權(quán)投資準(zhǔn)備）

,,\

恬

小!

D.借：長期股權(quán)投資一一股票投資（股權(quán)投資準(zhǔn)備）一一其他股權(quán)投資（股權(quán)投資準(zhǔn)備）貸：資

本公積一一股權(quán)投資準(zhǔn)備

3、科學(xué)發(fā)展觀，第一要義是發(fā)展，核心是以人為本，基本要求是全面、協(xié)調(diào)、可持續(xù)，根

本方法是（）。

A.改革開放

B.統(tǒng)籌規(guī)劃

C.總攬全局

D.統(tǒng)籌兼顧

4、資料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedinto

reverse,accordingtoastudybyDr.HarrisCooper,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.Thinkaboutwhatyourkidsmaybelearningnextyearwhenyouplanthefamilyvacation.Talk

withteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,

youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.

3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,tryto

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.

Howtokeepkidsfromlosingmoremathskills,accordingtoDr.HarrisCooper?（）

A.Doingsomespecialplanningtohavemath-relatedactivities

B.Signingupforprogramslike"Shakespeare'sTheater”

C.Havinglessreadingactivitiesoverthesummer

D.Goingtothelibrariesmorecften

5、關(guān)稅與貿(mào)易總協(xié)定烏拉圭回合多邊貿(mào)易談判達(dá)成的《服務(wù)貿(mào)易總協(xié)定》依照服務(wù)的提供

方式將國際服務(wù)貿(mào)易劃分為（）形式。

A.3種

B.4種

C.5種

D.6種

6、債券價(jià)格、必要收益率與息票利率之間存在以下（）的關(guān)系。

A.息票利率小于市場利率，債券價(jià)格高于票面價(jià)值

B.息票利率小于市場利率，債券價(jià)格小于票面價(jià)值

C.息票利率大于市場利率，債券價(jià)格小于票面價(jià)值

D.息票利率等于市場利率，債券價(jià)格不等于票面價(jià)值

、使預(yù)算約束線在保持斜率不變的條件下作遠(yuǎn)離原點(diǎn)運(yùn)動(dòng)的是（）

70

A.x的價(jià)格上漲10%而y的價(jià)格下降10%

B.x和y的價(jià)格都上漲10%,收入下降5%

C.x和y的價(jià)格都下降10%,收入不變

D.x和y的價(jià)格都上漲10%,收入上漲5%

8、下列選項(xiàng)中不屬于存貨范用的是（工

A.委托加工的存貨

B.購貨單位已交款并已經(jīng)開出提貨單，但尚未提走的貨物

C.尚在加工中的產(chǎn)品

D.款項(xiàng)已支付，但尚未運(yùn)達(dá)企業(yè)的存貨

9^Tom!You（）onthephonejustnow,butyou（）in.

A.wanted,were

B.arewanted,are

C.werewanted,weren't

D.called,aren't

10、填入括號(hào)處最恰當(dāng)?shù)脑~語是（

（1）這個(gè)電視的周末劇場實(shí)行電視劇十集（）模式，從上午八點(diǎn)一直持續(xù)到晚上六點(diǎn)。

（2）在古代歷史上，實(shí)力弱小的國家為了自保常常需要向大國提供（），以此換取兩國

之間的和平。

A.連播供品

B.連播貢品

C.聯(lián)播供品

D.聯(lián)播貢品

11、銀行謹(jǐn)慎監(jiān)管原則就是監(jiān)管當(dāng)局要（）評(píng)估銀行機(jī)構(gòu)的風(fēng)險(xiǎn)。

A.一般限度地

B.適當(dāng)限度地

C.最低限度地

D.最大限度地

12、上海世博會(huì)會(huì)徽圖案以中國漢字"世”字書法創(chuàng)意為形，寓意三人合臂相擁，狀似美滿幸

福、相攜同樂的家庭，也可抽象為"你、我、他〃廣義的人類，表達(dá)了世博會(huì)"理解、溝通、

歡聚、合作”的理念。世博會(huì)會(huì)徽的設(shè)計(jì)體現(xiàn)了（）。

A.意識(shí)是大腦特有的機(jī)能

B.意識(shí)活動(dòng)具有客觀實(shí)在性

C.意識(shí)活動(dòng)具有主觀隨意性

D.意識(shí)是客觀存在的主觀映象

13Passengersshouldpossessboardingpass,validpassport,visa,exitregistrationcard,and

immigrationcertificatebyrelateddepartment.

A.issued

B.made

C.identified

0.designed

14、記賬以后，如果發(fā)現(xiàn)賬簿記錄的錯(cuò)誤，是因記賬憑證中的應(yīng)借、應(yīng)貸會(huì)計(jì)科目或記賬方

向有錯(cuò)誤而引起的，應(yīng)用（）進(jìn)行更正。

A.借貸登記法

B.補(bǔ)充登記法

C.劃線更正法

D.紅字更正法

15TheonlydecenthotelintownhadhungoutaMFullHousewsign,sotheironlychoice（）at

asmallinn.

A.istoputup

B.hasbeentoputup

C.willbeputup

D.wastoputup

16、在中央銀行資產(chǎn)負(fù)債表中，屬于負(fù)債項(xiàng)目的是（）。

A.財(cái)政部門的借款

B.中央銀行發(fā)行債券

C.外匯儲(chǔ)備

D.待收款項(xiàng)和固定資產(chǎn)

17、材料一：為進(jìn)一步支持實(shí)體經(jīng)濟(jì)發(fā)展，優(yōu)化流動(dòng)性結(jié)構(gòu)，降低融資成本，中國人民銀行

決定下調(diào)金融機(jī)構(gòu)存款準(zhǔn)備金率1個(gè)百分點(diǎn)，其中，2019年1月15日和1月25日分別下

調(diào)0.5個(gè)百分點(diǎn)。同時(shí)，2019年一季度到期的中期借貸便利（MLF）不再續(xù)做。這樣安排能

夠基本對沖今年春節(jié)前由于現(xiàn)金投放造成的流動(dòng)性波動(dòng)，有利于金融機(jī)構(gòu)繼續(xù)加大對小微企

業(yè)、民營企業(yè)支持力度。

借鑒國際經(jīng)驗(yàn)，中國人民銀行創(chuàng)設(shè)了很多新型的貨幣政策工具來調(diào)節(jié)流動(dòng)性。下列不屬于新

型貨幣政策工具的是()。

A.常備借貸便利

B.中期借貸便利

C.抵押補(bǔ)充貸款

D.中央銀行貸款

18、貸款呆賬(損失)準(zhǔn)備金計(jì)提范圍不應(yīng)該包括的項(xiàng)目是()。

A.各項(xiàng)貸款

B.應(yīng)收利息

C.貼現(xiàn)

D.同業(yè)拆出

19資$4：Italy'snextgovernment,acoalitionbetweenthepopulstFiveStarMovementandthe

far-rightNorthernLeague,isgivinginvestorsplentytoworryabout.Leakedplans,hastily

abandoned,suggesteditmightwanttoleavetheeuroorasktheEuropeanCentralBankto

forgive€250bn($292bn)ofItaliandebt.Butlessattentionhasbeenpaidtowhatitmightmean

forItalianbanks,andinparticularfortheirbiggestburden:non-performingloans(NPLs).Over

€185bnofNPLswereoutstandingattheendof2017,themostforanycountryintheEuropean

Union.(1)

BycomparisonwithGreecewhereNPLsare45%ofloans,Italylooksmanageablewithjust11.1%.

Andithasmadeprogress:inlate2015NPLswere16.8%ofloans.Butanywildpolicylurches

wouldputthatprogressinquestion.Theclean-upofbanks,bookshasreliedonopennessto

foreigninvestors.HugevolumesofNPLs(€37bnin2016andover€47bnin2017,accordingto

Deloitte,aconsultancy)havebeensoldbybanks,oftentospecialistAmericanhedgefundslike

CerberusCapitalManagementorFortress.(2)

Theseso-calledvulturefundsmayfindlifeharderunderthenewgovernment.Giventhe

importanceofbeingabletorepossessthecollateralforsecuredloans,NPLinvestorshavebeen

takenabackbyaproposaltopreventanyactionagainstadebtorwithouttheinvolvementofa

court.Thiswouldruncountertoeffortstoincreasetheuseofout-of-courtsettlementfor

collateralacrosstheEU.(3)

ThefutureofGACS,aschemeforprovidinganItaliangovernmentguaranteetothesenior

tranchesofNPLsecuritisations(withtheEU'sblessing),isalsoinquestion.Despiteaslowstart

in2016,ithascometoplayalargerole.AnNPLsalelastyearbyUniCredit,alargebank,

worth€l7.7bn,wassubjecttothescheme.Another€38bn-worhofItalianNPLdealsinprogress

willbetoo,accordingtoDebtwire,anewsservice.ButinvestorsnowworrythatGACSwillnotbe

renewedonceitexpires失效inSeptember,contrarytopreviousplans.(4)

EuropeanregulatorshavemadeaconcertedefforttodealwithNPLs.InMarchtheEuropean

Commissionproposedlawstomakecross-borderoperationseasierfordebt(5)

Marketshavedeepenedintandem.Aswellasthespecialistfundsdoinglargedeals,moreoptions

fortradingNPLshaveemerged.OneexampleisDebitos,atradingplatformthatstartedin

GermanyandthatallowsinvestorstotradeinNPLsfrom11Eurooeancountries,includingItaly

andGreece.Mostofitssalesarebetween€50mand€200mandinterestoftencomesfromlocal

investors,saysTimurPeters,itsfounder—forexample,fromindividualswhobuy

property—backedNPLsasawavtoacquirethoseproperties.（6）

Aliquidpan-EuropeanmarketinNPLsoughttopreventbanks/badloansfromaccumulatingand

threateningtheirstability,asduringthemostrecentcrisis.ButItalywould,becauseofitssheer

size,bethelargestsourceofsuchloansfortheforeseeablefuture.Andanymarketwithreal

doubtsaboutthelargestsupplierisalmostcertaintobeastuntedone.（7）

Whichisincorrectaboutthechart?

A.ThetotalloansofItalywereabout€1667bnintheyearof2017

B.TheproportionoftheNPLsintotalloansofGreeceisthehighes:amongall

C.GreecehadmuchmoretotalloansthanthatofSpaininspiteoflowerNPLs

D.Francehadmosttotalloansinthelistofabout€4350bnin2017

、期貨交易與現(xiàn)貨交易的不同之處在于）

20（0

A.風(fēng)險(xiǎn)較小的合約

B.不需要交保證金的合約

C.實(shí)物交割率低的合約

D.交易所并不提供結(jié)算服務(wù)

21、中國共產(chǎn)黨確定毛澤東思想作為自己的一切工作指針的會(huì)演是（）。

A.遵義會(huì)議

B.瓦窯堡會(huì)議

C.中共六屆六中全會(huì)

D.中共七大

22、下列歷史事件按時(shí)間排序正確的一組是（）

A.百家爭鳴一一獨(dú)尊儒術(shù)一一新文化運(yùn)動(dòng)

B.大澤鄉(xiāng)起義一一太平天國運(yùn)動(dòng)一一安史之亂

C.王安石變法一一商鞅變法一一戊戌變法

D.貞觀之治文景之治康乾盛世

23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,apart;romitsconvenienonlineshoppirghasshiftedthebalanceof

powerfromsellerstobuyers.OnlineshoppinginChinaismorethanclickingonthe"buy"button.

Theexperienceincludesexchangingtipswithothershoppers,discussingtrends,andratingboth

productsandservice.

Theinteractionandcommunicationgeneratestrust.

“Theabilityofsocialnetworkingcombinedwithe-commerceorsocialcommerceasIliketocall

it-wherepeopleareabletora:etheirproviders,provideinformationtootherpurchasers-that

levelofexperienceisreallyovercomingthebigweaknessessaysDuncanClark,ChairmanofBDA

（china）,anexpertonChina'se-commerceindustry.

“Basically,thereisaone-to-oneconnectionbeingestablished.Andthat'sbreakingthroughthe

mistrustbarrierifyouwill.SoIthinkwecanlearn，actually-theWestcanlearnfromsomeofthe

developmentshappeningintheChinesee-commercesector,"saysMrClark.

Whyisconsumerfaithine-commercestillfaithdespitetheprevalentfakegoodsonline?

A.Becausetherearealotmoreoptionsonline

B.Becauseconsumersaregainingmorepowerthankstoonlineshopping

C.Becauseregulationsaboutonlineshoppingwillbeimprovedsoon

□.Becausetherearestillmanyqualifiedgoodsandtrustworthyonlinestores

24、根據(jù)我國《公司法》的規(guī)定，有限責(zé)任公司成立的日期為（

A.公司登記機(jī)關(guān)受理登記申請之日

B.申請人收到營業(yè)執(zhí)照之日

C.公司成立公告發(fā)布之日

D.營業(yè)執(zhí)照簽發(fā)之日

25、中國人民銀行從1984年開始執(zhí)行中央銀行職能后的一段時(shí)間內(nèi)所使用的最主要的貨幣

政策工具是（）。

A.利率

B.存款準(zhǔn)備金率

C.貸款計(jì)劃

D.公開市場業(yè)務(wù)

26、”手續(xù)費(fèi)收入”屬于（）類科目。

A.所有者權(quán)益

B.損益

C.資產(chǎn)

D.負(fù)債

27、甲午戰(zhàn)爭以后，外國輪船沿長江最遠(yuǎn)可以到達(dá)（）。

A.南京

B.九江

C.漢口

D.重慶

28、商業(yè)銀行財(cái)務(wù)管理的核心內(nèi)容是（）o

A.資本金管理

B.利潤管理

C.財(cái)產(chǎn)管理

D.成本管理

29、“沉魚落雁〃"閉月羞花"用以形容古代四大美女，下列形容古代四大美女與其關(guān)系對應(yīng)不

正確的是（）。

A.沉魚一一西施

B.落雁一一王昭君

C.閉月一一趙姬

D.羞花一一楊玉環(huán)

30Inlowandmiddleincomecountries,heartdiseaseandcancergetmuchoftheattention

giventodiseases.

A.sustained

B.chronic

C.permanent

D.perpetual

31、關(guān)于共同犯罪，下列表述最為準(zhǔn)確的是（）（.

A.共同犯罪是指兩人以上共同參加的犯罪

B.三人以上為共同實(shí)施犯罪而組織在一起的，是犯罪集團(tuán)

C.犯罪集團(tuán)是共同犯罪的特疚形式

D.刑法理論上，對共同犯罪成員的分類一般是主犯、從犯、教唆犯、脅從犯

32、Ninety-fourstudiesweredeletedbecausetheydidnot

A.theinclusioncriteria.

A.make

B.meet

C.put

D.keep

33、Intel公司是美國占支配地位的計(jì)算機(jī)芯片制造商.當(dāng)他們推出一種新產(chǎn)品時(shí)。定價(jià)總

是比同類產(chǎn)品的定價(jià)低，在銷售的第一年他們可能獲利很小，但他們很快就把產(chǎn)品打入了市

場，第二、三年會(huì)大量銷售產(chǎn)品而獲利。他們采用的是（）策略。

A.速取定價(jià)

B.漸取定價(jià)

C.彈性定價(jià)

D.理解價(jià)值定價(jià)

34、Yoursuggestioncouldonlymakethingsworse.

A.ifanything

B.ifeverything

C.ifnothing

D.ifsomething

35、假定當(dāng)前匯率1美元兌換人民幣6元，1歐元兌換人民幣3元，那么1歐元兌換美元的

匯率是（）

0

A.1.33

B.0.75

C.1.16

D.1.13

36、行為作為民事法律關(guān)系產(chǎn)生、變更、消滅的法律事實(shí)（）。

A.不能是違法行為

B.只能是民事法律行為

C.只能是表意行為

D.既可以是合法行為，也可以是違法行為

、生產(chǎn)成本上升會(huì)使得商品供給量（）

370

A.下降

B.上升

C.不變

D.均有可能

38、投資一筆國債，5年期，平價(jià)發(fā)行，票面利率為12.22%,單利計(jì)息，到期一次還本付

息，則該債券的到期收益率是

A.9%

B.11%

C.10%

D.12%

39、Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dreameventsare

imaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.

Theyseemrealwhiletheyaretakingplace.Somedreamsarepleasant,othersareannoying,and

stillothersarefrightening.

Everyonedreams,butsomepersonsneverrecalldreaming.Othersrememberonlyalittleabouta

dreamtheyhadjustbeforeawakeningandnothingaboutearlierdreams.Noonerecallsallhis

dreams.

Dreamsinvolvelittlelogicalthought.lnmostdreams.thedreamercannotcontrolwhathappens

tohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.

Peopleseeinmostdreams,buttheymayalsohear;smell,touch,andtasteintheirdreams.Most

dreamsoccurincolor.Butpersonswhohavebeenblindsincebirthdonotseeatallindreams.

Dreamsareaproductofthesleeper'smind.Theyhaveincludedeventsandfeelingsthathehas

experienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishesof

thedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishesor

fears-especiallythoseheldsincechildhoodoftenappearindreams,andmanydreamsfulfilsuch

wishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofa

dream,buttheydonotcausedreams.

Somedreamsinvolvedeepfeelingsthatapersonmaynotrealizehehas.Psychiatristsoftenuse

materialfromapatient'sdreamstohelpthepersonunderstandhimselfbetter.

Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.People

whogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousand

restless.

Accordingtothepassage,drearrsresultfrom().

A.thesleeper'swishes

B.thesleeper'simagination

C.thesleeper'sfeeling

D.thesleeper'sownmind

40Passage4

Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.The

house-owner,forexample,knowsthathispropertycanbedamagecbyfire;theship-ownerknows

thathisvesselmaybelostat<ea;thebreadwinnerknowsthathemaydieatanearlyageand

leavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenorevery

vessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss.lnotherwords,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

41、1011BH是（）。

A.表示一個(gè)二進(jìn)制數(shù)

B.表示一個(gè)十六進(jìn)制數(shù)

C.表示一個(gè)十進(jìn)制數(shù)

D.一個(gè)錯(cuò)誤的表示

42、下列語句中，沒有語病的一項(xiàng)是（）。

A.就如何應(yīng)對交通不暢導(dǎo)致供需矛盾的問題，公司領(lǐng)導(dǎo)討論和聽取了各車間主任提出的AB

和C三套方案，并最終決定執(zhí)行A方案

B.疫情期間，有關(guān)部門對部分不遵守隔離措施，蠻橫無禮甚至毆打醫(yī)生、護(hù)士的各類事件、

進(jìn)行了嚴(yán)肅的批評(píng)教育，對涉及刑事的，也處理得相當(dāng)快速公正

C.峽谷中的土域肥沃，加上晝夜溫差較大，較為適宜種植經(jīng)濟(jì)作物、柑橘，還適合種植煙

草。

D.中國哲學(xué)講究陰陽五行，凡事相克相生，飲茶也不例外，什么季節(jié)，什么氣候、什么體

質(zhì)適合喝什么茶都有一番說道。

43、Thecustomerwantedtogetarefund,becausethepurchasedmerchandisewasneithergood

inquality（）price.

A.or

B.nor

C.for

D.but

44、下列說法錯(cuò)誤的是（

A.高性能結(jié)構(gòu)材料屬于新材料領(lǐng)域

B.航空空間技術(shù)屬于高新技術(shù)領(lǐng)域

C.太陽能是可再生能源

D.電能是一次能源

45、魅力型領(lǐng)導(dǎo)者的特征不包括（）?

A.自信并且信任員工

B.有理想化的愿景

C.承諾為努力提供獎(jiǎng)勵(lì)

D.對下屬有高度的期望

46、Ihavereadupto（）thechildrendiscoverthesecretcave,whataboutyou?

A.which

B.what

C.that

D.where

47、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(hù)

C.出口退稅

D.計(jì)劃生育

48、Passage1

TheIMFbelievesthateconomicgrowthispickingup,soundsfamiliar.

Aprilisthecrudestmonth,breedinglilacsoutofthedeadland,and,inWashington,chirpy

forecastsfromtheIMFthat(/tenproveabittoochirpy.OnApril18ththefundreleasedits

semi-annualWorldEconomicCutlook(WEO),raisingitsforecastforglobalgrowthin2017to

3.5%.Growthforecastsfortheemergingworldhavenotchanged.TheIMF'sglobaloptimismis

basedinsteadonhopesofincreasedgrowthintherichworld.

ThefundtakesarosyviewoftheAmericaneconomy,citingbothhighlevelsofconsumer

confidenceandDonaldTrump'splansformoregovernmentspending.

InBritaintheIMFnowreckonsGDPwillgrowby2.0%in2017,upfromearlierestimatesof1.5%

(issuedinJanuary)and1.1%(lastOctober).TheIMFhasalsoraiseditsforecastsforJapanand

theeuroarea.

SniperspointoutthatIMFforecastshavebeenfarfromperfect.Someglitchesareexcusable.In

thespringof1990,itpredictedthatKuwait'seconomywouldgrowby0.8%thatyear.ltactuallyfell

by26%.

Whafsthemainideaofthispassage?()

A.Theeconomicgrowthisturningbetter

B.Theworldeconomicgrowthisplunging

C.TheIMF'sforecastsonworldeconomysometimesaretoooptimistic

D.Theeconomicgrowthoftheemergingworldremainsthesame

49、2020年4月16日電，商務(wù)部會(huì)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(shí)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(jì)創(chuàng)新發(fā)展試驗(yàn)區(qū)

C.服務(wù)出口基地

D.經(jīng)濟(jì)產(chǎn)業(yè)區(qū)

50、資料：Wearepleasedtoinviteyoutoattendthe14thCanadianCollaborativeMentalHealth

CareConference(14thCCMHCC)tobeheldonThursday.June27thandFriday.June28th,

2013.Montrealhasbeenselectedasthehostcity.ThisannualeventwilltakeplaceattheDelta

CentreVileHotel,adowntownlocationwithineasywalkingdistanceoftheOldCity.Youwillbe

charmedbytheuniquecharacterofthecityofMontreal,themetropolisoftheprovinceof

Quebec.Forthoseofyouwhov/ishtoextendyourstay,youcancombinebusinessandpleasure

byattendingthe34thInternationalJazzFestivalofMontrealthatwillbeginonFriday,June28th

andcontinueforthenext10days.

The14thCCMHCCisorganizedbytheCanadianPsychiatricAssociationandtheCollegeofFamily

PhysiciansofCanadaCollaborativeWorkingGrouponSharedMentalHealthCare.This

conferencewilltakeonabilingualcharacter.inFrenchandinEnglish,andsimultaneous

translationwillbeavailableforthemainspeechesandpresentations.Thisisaunique

opportunitytobringtogetherpeoplewhoareinvolvedincollaborativementalhealthcare,and

tocreatelinksthatconsolidateandenrichthenetworksamongthesestakeholders.Weare

expectingover300delegatesfromQuebec,Canadaandtheinternationalcommunity.The

interestincollaborativementalhealthcareissharedbyawideaudience,includingparticularly

individualslivingwithamentaldisorderandtheirfamilies,healthcareprofessionalsfrom

differentbackgrounds,managersanddecisionmakerscommunitygroupsworkinginthefield,

physicians(includingfamilyphysicians,pediatriciansandpsychiatrists).teachersfromacademic

departments,researchersandcollaboratorsfromdifferentsectors(eg,emergencysocial

services,lawenforcementofficers,oremployers)

Thisconferencewillprovideanadditionalimpetustocollaborativecare,anirresistiblemovement

whichredesignsthehealthcaresysteminordertoadaptittotherealitiesofthe21stcentury.The

themeoftheconference,CollaborationandComplexity.SeekingOutNewFormsofLife,

illustratestheemergingnatureofthestrategicvisionofcollaborativecare,settheclinical

operationswithinacomplexcontextwhichfitsinthepostmodernsocietalmodelandpointsout

itsprofoundinnovativepotential.

Weinvitesponsorshipsupporttohelpmakethisconferenceasuccess.Thereareseveralwaysto

help,additionalinformationwillbeprovidedshortly.

WelookforwardtowelcomingyoutoMontreal!

Whatdoestheword“consolidate"inparagraph2,line4mostprobablymean?

A.strengthen

B.build

C.connect

D.decorate

二、多選題

51,Accordingtoourrecords,yourmembershipattheendofDecember.

A.willexpire

B.expiring

C.toexpire

0.expired

52、某銀行向一家小微企業(yè)發(fā)放一筆期限為5年、額度為100萬元人民幣的貸款.年利率為

6%。那么，若以單利法計(jì)算，5年后該銀行應(yīng)得的本利總和是()萬元。

A.120

B.118

C.138

D.130

53、資$4：Demystifyinghowsocialandhuman-likerobotsworkisvitalsothatwecanunderstand

andshapehowtheywillaffectourfuture.DrHaticeGuneswilltellrheHayFestivalnextweek.(1)

Fearmongeringandmyth-makingabouthuman-likeandsociarobotsisstoppingusfrom

engagingwiththetechnologybehindthemandhavinganinputintohowthey—andwe-evolve,

saysHaticeGunes,AssociateProfessoratUniversityofCambridge'sComputerLaboratory.(2)

DrGuneswillbespeakingaboutherresearchattheHayFestivalon1stJuneandsaysweneedto

movebeyondsensationalistportrayalsofhuman-likerobot.HerHaytalkwillcentreonhuman

robotinteraction[HRI]andhowitcanbeusedforourbenefit,forinstance,forhelpingchildren

withautismlearnhowtoreadexpressionsandtostimulatethesensesofelderlypeopleincare.

⑶

DrGuneswilloutlinehowHRIworks.Shesaysithastobebelievableinordertobeeffective.That

meansrobots*appearanceisveryimportant.Thisiswhathasdriventhedevelopmentof

humanoidrobotswitharmsandaspectsofahumanfacewhichcanbehaveinahuman-likeway,

forinstance,movingtheirarms,legsandeyes.However,moreimportantthanappearanceis

theirbehaviourandemotionalexpressivity.DrGunesreferstothewaywerelatetoDisney's

animatedcharacters./zPeoplebelieveinthembecausetheycanportrayemotion/shesays.(4)

Toachieveexpressivityrequiresanunderstandingofhowhumanemotionsareportrayedand

triggered.Scientistshavebeenworkingonartificialemotionalintelligencewhichenablesnew

technologysuchasembodied