全國銀行招聘考試重點試題精編

注意事項：

1.全卷采用機器閱卷，請考生注意書寫規(guī)范：考試時間為120分鐘。

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題卡規(guī)定位置。

3.部分必須使用2B鉛笠填涂；非選擇題部分必須使用黑色簽字笆書寫，字體

工整，筆跡清楚。

4,請按照題號在答題卡上與題目對應的答題區(qū)域內規(guī)范作答，超出答題區(qū)域

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（參考答案和詳細解析均在試卷末尾）

一、選擇題

1、“床前明月光，疑是地上霜。"在人們的心目中，月亮是圣潔和美麗的化身。然而，俄羅

斯科學家研究認為，月球是地球上很多自然災害的禍源。于是，科學家們呼吁，加強對月球

的研究，為人類造福?？茖W家們的呼吁說明（）。

①認識規(guī)律，利用規(guī)律，可以為人類造福

②認識了月球運動規(guī)律，就可以避免地球上自然災害的發(fā)生

③堅持聯(lián)系的觀點是人們正確認識世界的重要條件

④只要發(fā)揮主觀能動性，辦事情就能取得成功

A①③

②④

BJ.①④

②③

D.

2、組織文化的核心和靈魂體現(xiàn)在它的（）。

A.物質層

兇B.中間層

C.制度層

D.精神層

3、Joshgraduatedwithhismaster'sdegreeinspacestudiesandplanetarysciences,butafter

yearsofworkingoddjobsandbarely，hedecidedtogobacktogethisteachinglicerse。

A.puttingonthebackburner

B.breakingnewground

C.makingendsmeet

0.provinghismettle

4、資不斗：OurgoalwiththenewMacBookwastodotheimpossible:engineerafull-size

恬

experienceintothelightestandmostcompactMacnotebookever.Thatmeantreimaginingevery

elementtomakeitnotonlylighterandthinnerbutalsobetter.Theresultismorethanjustanew

notebook.It'sthefutureofthenotebook.Andnow,withsixth-generationIntelprocessors,

improvedgraphicsperformance,fasterflashstorage,andupto10hoursofbatterylife.MacBook

isevenmorecapable.

ThemomentyouopenyourMacBook,itsgorgeous12-irchRetinadisplaywithedge-to-edge

glassbringseverythingintofocus.Everyphotoleapsoffthescreeninrich,vibrantdetail.Over3

millionpixelsrendereachletterwithcrystalclarity.Anditallcomestolightonthethinnest

RetinadisplayeveronaMac,meticulouslyhonedtodeliveraboldvisualexperiencewithinan

impossiblyminimaldesign.

WhichofthefollowingisNOTafeatureofthenewMacBook?

A.Biggerscreen

B.Fasterflashstorage

C.Longerbatterylife

D.CIearrepresentation

5、Everythingreturnedtonormal（）nothinghadhappened.

A.asif

B.because

C.when

D.For

6、E-mail郵件本質是（）。

A.一個文件

B.一份傳真

C.一個電話

D.一個網(wǎng)頁

7、新中國成立以來被國家授予第一個特等發(fā)明獎的科學家是（）?

A.錢學森

B.李四光

C.鄧稼先

D.袁隆平

8、IfEnglishmeansendlessnewwords,difficultgrammarandsometimesstrangepronunciation,

youarewrong.Haven'tyounoticedthatyouhavebecomesmartersinceyoustartedtolearna

language?

AccordingtoanewstudybyaBritishuniversity,learningasecondlanguagecanlead:oan

increaseinyourbrainpower,Researchersfoundthatlearningotherlanguageschangesgrey

matter.Thisistheareaofthebrainwhichprocessesinformation.Itissimilartothewaythat

exercisebuildsmuscles.

Thestudyalsofoundtheefectisgreater,theyoungerpeoplelearnasecondlanguage.

AteamledbyDrAndreaMechelli,fromUniversityCollegeLondon,tookagroupofBritonswho

onlyspokeEnglish.Theywerecomparedwithagroupofz/earlybilinguals,,whohadlearntasecond

languagebeforetheageoffive,aswellasanumberoflaterlearners.

Scansshowedthatgreyma:terdensityC密:度)inthebrainwasgreaterinbilingualsthaninpeople

withoutasecondlanguage.Butthelongerapersonwaitedbeforemasteringanewlanguage,the

smallerthedifference.

“Ourfindingssuggestthatthestructureofthebrainischangedbytheexperienceoflearninga

secondlanguage,“saidthescientists.

Itmeansthatthechangeitselfincreasestheabilitytolearn.

ProfessorDylanVaughanJonesoftheUniversityofWaleshasresearchedthelinkbetween

bilingualismandmathsskills/'Havingtwolanguagesgivesyoutwowindowsontheworldand

makesthebrainmoreflexible,“hesaid/Youareactuallygoingbeyondlanguageandhavea

betterunderstandingofdifferentideas.”

ThefindingswerematchedinastudyofnativeItalianspeakerswhohadlearnedEnglishasa

secondlanguagebetweentheagesof2and34.Reading,writing,andcomprehensionwereall

tested.Theresultsshowed,thattheyoungertheystartedtolearn,thebetter/Studyinga

languagemeansyougetanentrancetoanotherworld,“explainedthescientists.

Inthesecondparagraph,thewritermentionsz/exercisewinorderto().

A.saylanguageisalsoakindofphysicallabor

□.makepeoplebelievelanguagelearninghelpsgreymatterworkwell

C.showtheimportanceofusingthelanguagewhenyoulearnthelanguage

D.provethatoneneedsmorepracticewhenhe(she)islearningalanguage

9、下列各項中屬于效率比率的是(

A.資產負債率

B.速動比率

C.成本利潤率

D.流動資產占總資產的比率

10、中央銀行在經濟衰退時，()法定存款準備金率。

A.調高

B.降低

C.不改變

D.取消

11、資料：Earlierthismonth,presidentsBarackObamaoftheUSandXiJinpingofChinamadean

importantsymbolicgesturewhentheycommittedtheircountries,thetwolargestgreenhouse

gasemitters,totheParisclimateagreement.Itwastheclearestsignalyettoinvestorsworldwide

thattheyneedtothinkabouttheimplicationsofglobalwarningfortheirportfolios.

OnFridayafternoontherewasanexampleofwhatthatmightmeanMrObama'sadministration

issuedanordertemporarilyblockingconstructiononasectionoftheDakotaAccessoilpipeline.

ThemovewasaresponsetolocalconcernsraisedbytheStandingRockSiouxTribeabout

potentialdamagetohistoricsitesandthethreatsofoilspills.Butitistheglobalissueofclimate

changethathadraisedtheprofileofDakotaAccess,makingitintoacausecelebreforUS

environmentalcampaigners.BillMcKibbenof350.org,whichplayedakeyroleinthesuccessful

efforttostoptheKeystoneXLpipelinefromCanada,hassuggestedthatMrObamacouldblock

DakotaAccesspermanently,onthegroundsthatitwouldexacerbatethethreatofclimate

change.

Lastmonth,theWhiteHouse'sCouncilonEnvironmentalQualityissuednewguidanceforfederal

agencies,makingclearthattheirdecisionsshouldtakeintoaccount“thepotentialeffectsofa

proposedactiononclimatechange”,andquantifytheirconsequencesforgreenhousegas

emissions.DakotaAccessisintendedtocarrycrudeoil1,172milesfromNorthDakota,acentre

oftheUSshalerevolution,toIllinois,enroutetorefineriesaroundAmerica.Thecasethatit

wouldaddtoglobalgreenhousegasemissionwillbehardertomakethanforKeystoneXL,which

wouldhavebroughtcrudefromthehigh-emittingoilsandsofwesternCanada,bu:the

campaignersarecertaintotry.

IfDakotaAccessisstopped,itwillhaveasignificantimpactnotjustonenergyTransferPartners,

thecompanyleadingtheproject,butonallNorthDakotaoilproducersandtheircustomers,who

willbeforcedtousemoreexpensiverailtransport.

Climatechangeisnowanunavoidablebusinessissue.Inanexcellentpaperlastweek,BlackRock,

theworld'slargestfundmanager,setoutsomeofthewaysthatinvestorscanreducetheir

exposuretotherisksandbenefitfromtheopportunitiesthatitcreates.Thepaperisalandmark

intherisingawarenessoftheissueamongmainstreaminvestors.Itisonethingwhena

philanthropicfundwithassetsofafewhundredmilliontakesastandonclimateissues,quite

anotherwhenthewarningscomefromacompanywithabout$4.9tnundermanagement.As

BlackRockpointsout,investors*personalviewsonclimatescienceareirrelevant.Enough

governmentsandbusinessesareconvincedbythescientificconsensusthatthethreatisrea,and

aredrivingregulatoryandtechnologicalchangesthatinterestedinyou.

六Iftheworldistoreducetheriskofcatastrophicglobalwarmingtoacceptablelevels,therewill

havetobeahugereallocationofcapitalawayfromfossilfuelsandtowardlow-emissionenergy

sources.Thatshifthasbegun,butitneedstogomuchfurther.Thetransitionisnot

straightforward:foraslongasoilisthelifebloodoftheworldzstransport,pipelineswillbe

needed.ButwheninvestorsandboardsmakedecisionsaboutprojectslikeDakotaAccess,they

willhavetoconsidertheirimpactongreenhousegasemissions.Thefinancialconsequencesof

climatechangecannolongerbeignored.

IfDakotaAccessisblockedpermanently,whowillbeimpactedexcept().

A.Thecompaniesthatcarryouttheproject

B.Environmentalcampaigners

C.NorthDakotaoilproducers

0.Consumers

12、()年10月27日中國工商銀行于上海及香港同步上市，實現(xiàn)了從國有獨資商業(yè)銀行到股

份制商業(yè)銀行，再到國際公眾持股公司的歷史任務。

A.2005

B.2006

C.2007

D.2008

13^LuoJingyu,19,hasfouryearsofexperienceofrunningbusiness.Heisalsoafreshmaninthe

artsdepartmentofHubeiUniversity.

LuoJingyuisfromanordinaryfamily.Hesaid/MyparentstoldmeifIwantedsomething,Ishould

makeanefforttogetit,soIearnedpocketmoneybydoinghouseworkwhenIwaslittle/The

dreamofrunninghisownbusinessgrewinhisheart.Hesaic/lwanttobeasuccessfulperson,like

Alibaba'sMaYun."

WhenLuowasajuniorstudent,hehadtheideaofsellinglanternswhenhesawmanypeople

flyingChineselanternsinasquare.Luoboughtsomelanternsfromastore,butthesaleswerenot

asgoodashehadexpected.Thenhefoundanotherwaytocobusiness.Heboughtlanternsonthe

Internetataverylowprice.Finally,heeasilymade5,000yuanintwodays.

Withahappybeginning,Luoplannedtoopenadressshop/'Myparentsdidn'tsupportme

openingadressshop,soIhadtoborrow120,000yuanforit/TXIthoughhedidmarketresearch

beforestarting,thebusinesswasn'tverygoodbecausehistasteinfashionwasn'tacceptedby

customers.Theshopeventuallycloseddownafterhalfayear.

Afterexperiencingabigloss,hedecidedtodosomethinghewasfamiliarwith-sellingpainting

tools.Asafineartsstudent,heknewthemarket.Heconvincedhisfriendstoinvestonemillion

yuaninhisshop.Withagoodbusinessmindandalotofeffort,thesalesoftheshopreachedsix

millionyuaninayear.

EventhoughLuoisrich,heusesacheapcellphoneanddoesnotwearluxuryclothes.Henasa

simplelifestyle/zltisn'teasytomakemoney,somoneyshouldbeusedonsomething

worthwhile/hesaid.

Whatistherighttimeorderforthefollowingevents?()

a.Luoboughtsomelanternsfromthestore.

b.LuoboughtsomeLanternsontheInternet.

c.Luobegansellingpaintingtools.

d.Luoopenedadressstore.

A.abed

B.abdc

C.bacd

D.cbad

14、多路復用技術通常分為時分多路復用、()和波分多路復用。

A.村分多路好用

B.頻分多路復用

C.幅分多路更用

D.空分多路復用

15資料：Placingtherighttypeofworkersincloseproximitytoeachothercangenerateuptoa

15percentincreaseinorganizationalperformance,accordingtothestudyfromCornerstoneOn

Demand,aproviderofcloud-basedlearningandtalent-managementsoftware,andresearchers

atHarvardBusinessSchoolinMassachusetts.Forbusinesseswith2,000employees,this

translatesintoanadditional$1millioninprofiteachyear,thestudysaid.

Forthestudy,researchersexamineddatafromatwo-yearperiodofmorethan2,000employees

workingatalargetechnologycompanywithlocationsintheU.S.andEurope.Thestudy'sauthors

separatedworkersintothreedifferentcategoriesbasedontheworktheyproduced：

Productive：Theseemployeesareveryproductive,butdon'talwaysproducequalitywork

Quality：Theseworkersproduceworkofsuperiorquality,butaren'talwaysproductive.

Generalists：Theseemployeesareaverageintermsofbothproductivityandquality.

Theresearchersdefinedproductivitybyhowlongittakesanemployeetofinishatask,and

effectivenessbyhowoftenemployeesneedtoaskaco-wor<erforhelpcompletingatask.

What'sthemainideaaboutthefirstparagraph?

A.CornerstoneOnDemandisaproviderofcloud-basedlearningandtalent-management

software

B.Placingtherighttypeofworkerstogetherwillgenerate15%increaseinperformance

C.Smarterseatingcanaffectcompany'sperformance

D.Astudyabouthowafirmgetadditionalprofit

16、《黨政機關公文處理工作條例》規(guī)定的公文種類有（）o

A.14種

B.13種

C.15種

D.17種

17、一般認為結算業(yè)務是一種（

A.委托代理關系

B.債權債務關系

C.保管合同關系

D.以上說法都不對

18、下列與不作為犯罪相關的表述，哪一選項是正確的？（）

A.甲警察接到報案：有歹徒正在殺害其妻。甲立即前往現(xiàn)場，但只是站在現(xiàn)場觀看，沒有

采取任何措施。此時，縣衛(wèi)生局副局長劉某路過現(xiàn)場，也未救助被害婦女。結果，歹徒殺害

了該女子。甲和劉某都是國家機關工作人員，都沒有履行救助義務，均應成立瀆職罪

B.甲非常討厭其侄子乙（6歲）。某日，甲攜乙外出時，張三酒后駕車撞傷了乙并迅速逃逸。

乙躺在血泊中。甲心想，反正事故不是自己造成的，于是離開了現(xiàn)場。乙因得不到救助而死

亡。由于張三負有救助義務.所以甲不構成不作為犯罪

C.甲下班回家后，發(fā)現(xiàn)自家門前放著一包來歷不明、類似面粉的東西。甲第二天上班時拿

到實驗室化驗，發(fā)現(xiàn)是海洛因，于是立即倒入廁所馬桶沖入下水道。甲雖然沒有將毒品上交

公安部門.但不構成非法持有毒品罪

D.《消防法》規(guī)定，任何人發(fā)現(xiàn)火災都必須立即報警。過路人中發(fā)現(xiàn)火災后沒有及時報警，

導致火災蔓延。甲的行為成立不作為的放火罪

19、資料：There'sagoocchancethatspicycrunchytunarollyouorderedforlunchdoesn't

actuallycontainanytunaatall.

That'sbecause74%offishsoldatsushivenuesintheUSismislabeledandoftencompetely

differentthanwhat'sonthemenu,accordingtoa2013surveyfromtheoceanconservation

groupOceana.

Butnewtechnologycouldhelpmaketheseafoodbusinessabitmoretransparent.Googleis

teamingupwithOceanaandtheaerialandsatelliteimagingnonprofitSkyTruthtolaunchGlobal

FishingWatchthisfall,theNewYorkTimesreports.Theinitiativewilltrackandanalyzefishing

boatpracticesusingsatellitetechnologyand,ideally,helpensurethatfewerfakeormislabeled

fishareswappedinalongtheway.

Seafoodprovidersarealsoinvestingintechnologytoreducefraud.Bostonseafooddistributor

Red'sBest,forexample,hasincreasedtransparencybysellingfishwithlabelsthatbuyerscan

scanwiththeirsmartphonestoaccessawebpagethatprovidesdetailsabouttheindividualfish,

includingwherethefishcamefrom,theNewYorkTimesreports.

Evenifarestaurantservessomereal,correctlylabeledfish,95%ofthe118sushirestaurants

surveyedbyOceanaincitiesincludingNewYork,Chicago,andLosAngeleshadatleastonefaked

sushiitemonthemenu.

Currently,thebiggestculpritsforfakesushiaresnapper(92%misleadinglylabeled)andtuna

(71%).Whitetunaisoftenswappedforescolar,whichissometimescalledthe"Ex-LaxFish,"

accordingtoInsideEdition,becauseitcancauseintestinalproblems.

Roughly75%offishlabeledsnapperisn'tevenfromthesnapperfamily.Becauseofthe

predominanceoffraudinthesupplychain,NewYorksushirestaurantSushiNakazawarefusesto

serveredsnapperbecausetheriskoffakefishistoohigh.

Whysomesushirestaurantsdon'tservesnapper?()

A.Becausetheriskoffakefishistoohigh

B.Becausenoteveryrestaurantcanaffordsnapper

C.Becauseconsumersdon'tlikesnappersushi

0.Becausesnapperisrare

20、從企業(yè)規(guī)模看，2019年6月份大型企業(yè)PMI為49.9%,比上月下降0.4個百分點，微低

于臨界點；中、小型企業(yè)PMI為49.1%和48.3%,分別比上月回升0.3和0.5個百分點，位

于臨界點以下。

在調查的21個行業(yè)中，有13個行業(yè)的生產指數(shù)位于擴張區(qū)間，醫(yī)藥、鐵路、船舶、航空航

天設備、食品及酒、飲料、精制茶、電氣機械器材、計算機通信電子設備等制造業(yè)的生產指

數(shù)位于54%以上的較高景氣區(qū)間。從重點行業(yè)看，高制迨業(yè)、裝備制造業(yè)和消費品行業(yè)的生

產指數(shù)為55.6%、53.3%和52.2%,環(huán)比均有所上升，且分別高于制造業(yè)總體4.3、2.0和0.9

個百分點，生產景氣度呈現(xiàn)穩(wěn)中有升，表明在當前復雜多變的經濟環(huán)境下，制造業(yè)轉型升級

繼續(xù)推進，中高端制造業(yè)和消費品制造業(yè)對經濟增長的促進作用進一步增強。

受國內外大宗商品價格波動和部分行業(yè)供求關系變化等影響，價格指數(shù)雙雙回落。主要原材

料購進價格指數(shù)和出廠價格指數(shù)為49.0%和45.4%,分別比上月下降2.8和3.6個百分點，部

分行業(yè)效益增長受到?定影響。企業(yè)對近期市場發(fā)展預期基本穩(wěn)定。企業(yè)生產經營活動預期

指數(shù)為53.4%,在調船舶航空航天設備等制造業(yè)的生產經營活動預期指數(shù)位于60.0%以上的

高位景氣區(qū)

1制造業(yè)PMI指數(shù)（經季節(jié)調整）

表1中國制造業(yè)PMI及構成指出（經季節(jié)調整）

單位，%

PMI生產新訂單原材料庫存從業(yè)人員供應育配送時間

2018年6月51.553.653.248.849.050.2

2018年7月51253.052348.949250.0

2018年8月51.353352248.749.449.6

2018年9月50.853.052.047.848.349.7

2018年10月50.252.050.847.248.149.5

2018年11月50.051.950.447.448350.3

2018年12月49.450￡49.747.148.050.4

2019年1月49550.949.648.147650.1

2019年2月49.249.550.646347549.8

2019年3月50552.751.648.447.650.2

2019年4月50.152.151.447.247.249.9

2019年5月49.451.749.847.447.050.9

2019年6月49.451.349.648.246.950.2

表2中目制造業(yè)PMI其他相關指標?情況《經李節(jié)調整》

單位，%

主要原

料「甲進.力出廠產成品在手生產經營

H料購

出口□t價格宏存訂單活動情期

進價格

2018年6月49.850.052.857.753.346.345.557.9

2018年7月49.849.651.554.350.547.145.756.6

2018年8月49.449.151.858.754.347.446.757.0

2018年9月48.018.551.559.854.347.445.256.4

2018年10月46.947.651.058.052.047.144.356.4

2018年11月47.047.150.850.346.448.644.354.2

2018年12月46.645.949.844.843.348.244.152.7

2019年1月46.947.149.146.344.547.143.752.5

2019年2月45.244.848.351.948.546.443.656.2

2019年3月47.148.751.253.551.447.046.456.8

2019年4月49.249.71.153.154.046.544.056.5

2019年5月46.547.150.551.849.048.144.354.5

2019年6月46.346.849.749.045.448.144.553.4

根據(jù)材料，下列判斷中不正確的是（）。

A.2018年6月份至今，PMI指數(shù)整體呈下降趨勢，只有在2019年4、5月份出現(xiàn)觸底反彈

B.2019年6月份，生產總體保持擴張

C.2019年6月份，5大分類指標中，有2個高于臨界點，有3個低于臨界點

D.2019年5、6月份，新訂單增長動力偏弱

21、Dorothywasalwaysspeakinghighlyofherroleintheplay,_,ofcourse,madetheothers

unhappy.

A.who

B.which

C.this

D.what

22、如果金銀的法定比價為L20,而市場比價為1：15,按照格雷欣法則，那么這時充斥

市場的將是（）。

A.銀幣

B.金幣

C.銀行券

D.金銀混合幣

23、Littlehelpseemstothedisaster-hitareasincetheexplosiontookplace3hoursago.

A.offer

B.havebeenoffered

C.beoffered

D.haveoffered

24、下列不屬于衍生工具的是（）o

A.期貨

B.股票

C.掉期

D.期權

25、標志著中國半殖民地半封建社會形成的是（）。

A.《北京條約》

B.《馬關條約》

C.《中法條約》

D.《辛丑條約》

26、資格I：Asabusinessowner,itisvitalthatyouunderstandanduseadvancedtechnologies.

Technologycanhelpincreasebusinessefficiencyandevenexpandoperations.

Accountingsoftware.Thisisimportant,evenifyouhaveyourownaccountantorbookkeeper.

Accountingsoftwareallowsyoutoseeyourprofitsandlossesataglance.Itcanalsohelpyou

designandmaintainabudgetforyourbusiness.

Planningsoftwareortools.AcalendarsystemisamustTherearemanyonlineplanningsystems

thatcanbeutilizedtohelpyoukeepyourcalendarorgarized.Findasystemthatmeetsyour

business'needsandbesuretostickwithit

Timetrackingsoftware.Atimetrackingdevicewillhelpyoudeterminewhattasksresultina

profitandwhattasksdonot.Thiswillhelpyoudeterminewhattaskscanbeeliminated?

outsourced,orimproved.Ifyou'relookingatsoftwarethatrequiresafee,askforafreetrial

firsttomakesureit'stherightsoftwareforyou.

EmailmanagementAsabusinessowner,youprobablyuseseveralemailaccountstomanage

thevariousaspectsofyourcompany.Ifyoustreamlinetheseemailstooneaccount,you'llbe

abletostayorganizedandabreastofyouremails.

Mobileinternetaccess.Accesstotheinternetonyourmobiledevicewillnotonlymakeyourlife

easier,itwillalsohelpyoumaintainapositivereputationforyourbusiness.Forexample,ifyou

areabletofollowupwithaclientbyemailimmediatelyafterameeting,youwillbeshowingthat

youareaccessible,timelyandprofessional.

Onceyoudecidewhichtypesoftechnologyarerightforyouandyourbusiness,you'llbeon

yourwaytobeingmoreorganizedandefficientthanever.

What'stheauthor'sattitudetowardsadvancedtechnology?

A.Negative

B.Critical

C.Positive

D.Neutral

27、資料：Stressisacommonfactorinlife.Childrenexperiencestressfromschool,newsocial

situationsandsimplygrowngup.Adultsfeelthestressofworking,payingbills,raisingkidsand

maintaininghouseholds.Seniorsalsofeelstress,eventhoughsomemayhaveretired,raisedtheir

childrenandpaidofftheirhomes.Certainamountsofstressareapartoflifeforpeopleofall

ages.

Forseniors,stresshasthepotentialtobeespeciallyoverwhelming.Thistypeoftensioninolder

adultshasuniquecontributingfactors,suchasthelossofanelderlyspouseorfriends.Living

alonecanincreasethesenseofisolation.Sometimesthesimpletasksofeverydaylifecancause

stressinthosewhoexperiencephysicalormedicallimitations.Theeffectsofstresscan

sometimesexacerbatehealthconditionsfromwhichsomeseniorssuffer,causingadditional

worry.

Stresscanbedetectedinvariousways.Youmayfollowthefivemostcommonwaystofindoutif

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.Stresscannotbeprevemed

□.Stressiseverywhereandhardtodealwith

28、使用“5C”系統(tǒng)評估顧客的信用標準時，首要考慮的因素是（）?

A.品質

B.能力

C.條件

D.資本

29、在Word中，使用（）菜單中的相應命令，可以方便地輸入特殊符號、當前日期時

間等內容。

A."文件"

B”工具〃

C.“格式”

D.“插入”

30、Itisadvisablethatsomewarmclothing（）withyou,astheweathercanchangequite

suddenlyinthemountainousarea.

A.istaken

B.willbetaken

C.betaken

D.hasbeentaken

31、Recently,XiangningstartedtocommunicatewithMike,thecontactpersonofMonsell.

Oneday.Mikereceivedane-mailfromSophiaJones.Shewroteane-mailtoMikewhoisthe

contactpersonofMonsell.SophiaJonesaskedsomeinformationaboutRegisteredEducation

SavingsPlanofMonsell.

Readthee-mails.Awordorphraseismissinginsomeofthesentences.Fouranswerchoicesare

givenbeloweachofthesentences.Selectthebestanswertocompletethetext.Thenselectthe

rightanswer.

E-mail

From:SophiaJones

Sent:30%Auaust,2014

To:Mike,manager

Subject:Servicecounseling

DearMike,

Iamoneofthoseconcernedmotherswhobelievethateducationisthekey[1]ourchildren's

future.

ButasfarasIknow,it'scostly-currentlyasmuchas$60,000forafouryeardegreeataCanadian

university.MydaughterAlisahasjustgot[2]totheUniversityofToronto.

Ononehand,Iamthrilledatthisgreatnews,whileontheotherhand,Iamalittlebitworried[3]

ourmoderatefinancialstatus.

Asaresult,Iwritethistoaskforsuggestionsonwaystomaximizeoureducationsavings.How

manyoptionsdoIhaveandhowdotheyworkIreallyappreciateandlookforwardtoyourearly

reply.

Yourssincerely,

SophiaJones

E-mail

From:Mike,Manager

Sent:30th.August,2014

To:SophiaJones

Subject:Sen,iceadvice

Mrs.Jones,

Firstly,pleasesendmysincerecongratulationstoAlisaforgettingintotheUniversityofToronto.

AsfarasIcansee,ourRegisteredEducationSavingsPlan(RESP)isthe[4]waytohelpyou

maximizeyoureducationsavings.Tax-shelteredinvestmentgrowthandeligibilityforgovernment

grantscanmakeabigcontributiontoyourchild'sfuture.Thsplanconsistsofthe[5]planandthe

familyplan.TheformeristoopenanRESPforanindividualchild,whilewithafamilyplanyou

cannameoneormorechildrenasbeneficiaries.

AttachedisabrochureonRESP.Pleasefeelfreetowritetomeifanyfurtherinformationis

needed.

A.admitted

B.accepted

C.received

0.announced

32、資料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedinto

reverse,accordingtoastudybyDr.HarrisCooper;professorofpsychologyattheUniversityof

Missouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummer

vacation,they'velostonetothreemonthsworthoflearning.

Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"

saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunities

topracticereadingthanmath.Thestudyalsofo