第一篇：中国建设银行招聘考试模拟试题英语部分答案及解析

中国建设银行招聘考试模拟试题英语部分答案及解析

第三部分英语部分

Passage

11.【答案】D。解析：D 细节理解题解题依据为本文第一段第一、二句“Over the past decade, American companies have tried hard to find ways to discourage senior from feathering their own nests at the expense of their shareholders.The three most popular reforms have been recruiting more outside directors in order to make boards more independent.”此句大意为:在过去的十年里,美国公司力图寻求方法以阻止资深管理者以牺牲股东利益为代价损公肥私的行为。为此采取了最流行的三种改革措施，如招录外来董事以使董事会更加独立。由此我们可推知招录外来董事的目的是为了保护股东的利益。其中to feather their own nests意为“构筑自己的窝”；at the expense of their shareholders意为“以股东的利益为代价”。

2.【答案】A。解析：A 细节推论题文章第二段最后一句“the consequences have differed from those intended”表明改革的结果是事与愿违，这是一个总的结论。第三、四、五段是具体说明，主要是引用了Westphal的调查结果。因此，本题答案应当是A。

3.【答案】B。解析：B 词义判断题文章第三段最后讲外来董事会的老板们会花很多时间建立联盟,施惠于个人以讨好外来董事,第四段开始接着说这些手段通常是成功的,由此我们可以推知老板的这些手段是为了争取外来董事而结成联盟, 进而可推知B正确。

4.【答案】C。解析：C 细节判断题本题可用排除法。选项A(公司高层应拿高薪)文章未提及;选项B(公司高层的收入与公司增长的利润成比例)也未提及;选项D(公司高层的表现比那些股东更会影响其自身利益)文章同样未提及;选项C(公司高层倾向于利用其地位肥己)与文章第五段最后一句所述之意相符。

5.【答案】A。解析： A 观点态度题纵观全文,作者所述三项改革举措并未收到预期的效果,反而适得其反,事与愿违,由此我们可判断作者对其最终的结果显然持怀疑态度，故正确答案为A,B选项(乐观的)、C选项(肯定的)和D选项(赞成的)均排除。

Passage

21.【答案】C。解析：C 细节题。文中第二段提及“These included the use of federal student loans to pay off credit cards，effectively shifting the debt，appeals to parents for loans，cutting back on course work to increase time at paid jobs，or even dropping out altogether to work full time．”，因此，正确答案为C项。选项C是college administrators从事的活动，不是美国学生。

2.【答案】B。解析：B 细节题。文中开篇提到“the consequences can be serious-ranging from higher drop-out rates to future employment problems and even suicide”，最后一段谈到“Card issuers were sponsoring school programs，funding activities and even entering into business partnerships with schools”，由此可以看出选项B是card issuers从事的活动，而不是美国学生，更不是使用credit card的后果。因此，正确答案为B项。

3.【答案】A。解析：A 细节题。文末倒数第二句、第三句中提到了“students，card companies，university administrators”都应该为信用卡负面影响负责。因此，正确答案为A项。

4.【答案】A。解析：A 主旨题。本文首句即提到“U．S．college students are increasingly burdened with credit card debt”，第二段主旨是“growing numbers of students who are unable to cope with the stress of their debts and/or part time jobs for servicing their credit cards”。第三段讲“debts can haunt students”，最后一段主要讲述“who should answer for the negative consequences”。因此，正确答案为A项。

5.【答案】 D。解析：D 推断题。文章主要讲述学生使用信用卡的负面影响，但也不能千篇一律断然否定使用信用卡，因而选项B不对。不使用信用卡电不能保证美国学生不自杀，故选项C不对。美国学生有part-time工作，是司空见惯也不能因为信用卡的负面影响而取消，故排除选项A。采用逐个排除法，可以确定正确答案为D项。

Passage

31.【答案】A。解析：A 细节题。由第一段第一句“In the first year or so of Web business，most of the action has revolved around efforts to tap the consumer market．”可知在网络商业第一年左右的时期里，大多数的努力

都是围绕着打开市场而展开的。因此正确答案为A项。

2.【答案】C。解析：C推断题。第三段第一句“Another major shift in the model for Internet commerce concerns the technology available for marketing．”可知网络商业的另一个重大的改变是关于市场营销的可用技术。接着作者讲到一直以来网络市场的营销活动都以如何把顾客“拉”到网站中为中心。而最近几年，软件公司已经开发出工具让公司直接把信息“推”到目标客户面前。由此可见，市场营销技术在策略上发生了根本性的变化。故答案为C项。

3.【答案】D。解析：D推断题。由第三段倒数第二和第三句“In line culture thinks highly of the notion that the information flowing onto the screen comes there by specific request．Once commercial promotion begins to fill the screen uninvited，the distinction between the Web and television fades，”可知原来网络文化所认同的是电脑屏幕上的信息都是人们所查询的。否则一旦商业广告不请自来，充斥屏幕，网络和电视就没有差别了。所以可以看出网络纯粹主义者认为商业信息不应该不请自现。因此正确答案为D项。

4.【答案】B。解析：B 细节题。由最后一段第二句可知网络销售获得成功的一些公司都使用了恰当的产品，加上适当的互动、热情和安全，由此来吸引顾客的。因此，正确答案为B项。

5.【答案】A。解析：A写作目的题。纵观全文，作者首先讲到最初进行网络商业的公司努力去开拓市场，然后讲了网络营销策略的变化，以及取得成绩的公司的成功之道。文章最后两句作者提到网络营销成本不断下降，对想建立网络商业的公司是个好现象。人们现在回顾过去，也许会想五年前或者十年前致力于网络商业的公司怎么会这么少。可见作者以为网络商业在不断发展，拓展市场的方法也日渐成熟，加入这一领域的公司必将越来越多。文章有劝告人们参与网络商业之意。因此，正确答案为A项。由于作者没有详细闸释多种营销策略，排除选项B没有着重比较传统商业和网络商业，排除选项C。选项D中提到的两种营销策略的变化顺序颠倒，可排除。

第二篇：中国银行招聘考试模拟试题英语部分以及答案解析

给人改变未来的力量

中国银行招聘考试模拟试题英语部分以及答案解析

第三部分 英语 Part 1 1.Attempt to balance the budget were so successful that analysts projecting a-----of $2 million over four years.A.price B.surplus C.check D.penalty 2.If you have any information regarding the identity of the man-----left his car parked in the lot overnight, please contact the security department.A.who B.whom C.whose D.which 3.Experience suggests that small, integrated organizations can operate-----in critical situations than large firm can.A.efficiently B.more efficient C.efficiency D.more efficiently 4.After ten years spent trying-----to become the number-one west coast service provider, the corporation finally succeeded.A.high B.down C.hard D.soon 5.Many oil companies are now making alternative energy-----in an effort to remain competitive in future energy markets.A.payments B.contributions C.donations D.investments

给人改变未来的力量

6.The newspaper identified the journalist-----wrote the anonymous editorial predicting a stock market crash.A.which B.whose C.who D.whom 7.The government agency looks control of the oil industry in a desperate attempt to-----the wildly fluctuating market prices.A.acquire B.stabilize C.assemble D.translate 9.Out of all the people----to speak at the meeting, only one advocated changing the firm’s current financial policies.A.chose B.were choosing C.chosen D.had chosen 10.----how much the price of our shares rises, we may be able to offer shareholders a larger return on their investments.A.Depending on B.Resulting from C.Leading to D.Relying on 11.After much deliberation, the bank clerk-----agreed to offer Ms.Johnson a loan in spite of her poor credit history.A.steadily B.reluctantly C.comfortably D.inevitably 12.The writing in the article must be as-----as possible so that all readers can understand the complex issue.A.clear B.clearer

给人改变未来的力量

C.clearest D.clearly 13.The-----of another sudden stock market crash keeps many middle-class citizens from investigating their money.A.encounter B.prospect C.conclusion D.refusal 14.Ms.McMahon would like to speak with-----attended the annual accounting seminar in Phoenix last weekend.A.anyone B.however C.everybody D.whoever 15.The repairperson could not find the specific problem-----had caused the computer to crash.A.how B.whom C.what D.that 16.According to the sales director, Ms.Elms is-----to one of our subsidiaries to collaborate with its sales team.A.delivering B.visiting C.transferring D.replacing 17.We need to conduct extensive background research on the firms from-----we received bids.A.which B.where C.that D.when 18.The director decided to delegate some of the work to a subcontractor after his employees-----help with the project.给人改变未来的力量

A.inquired B.requested C.asked D.insisted 19.Employees-----to transfer to the new branch office will receive reimbursements for all moving expense, as well as a bonus.A.direct B.directed C.directing D.direction 20.Support structure under the Main St Bridge has corroded-----faster than the bridge’s designer had predicted.A.a lot B.so too C.very D.real 21.The team manager charged Michelle Palamides with the task of-----the department’s webpage for the company’s new intranet.A.design B.designing C.to design D.designed 22.Dr.Calerin’s efforts could lead to the development of a treatment for cancer, but they have received-----media attention.A.least B.a few C.little D.fewer 23.Ms.Arroya says that when workshop-----begins to slow down, it may be time to hire more workers.A.product B.producer C.produce D.productivity

给人改变未来的力量

24.An investigation by the committee uncovered-----instances in which the institution’s resources had been misused.A.none B.any C.no D.much 25.Ms.Hartfield will make an excellent executive because, when confronted with a problem, she knows-----what course of action to take.A.hastily B.urgently C.abruptly D.instantly 26.The advertisement for the security guard position says that applicants must be able to remain-----for six hours straight.A.alert B.observable C.discovered D.obvious 27.It will take at least two weeks for the board members to review-----work on the budget proposals.A.ours B.we C.our D.us 28.Surprisingly, the nation’s high rate of unemployment has only affected-----stock prices in the technology market so far.A.a little B.a few C.most of D.much of 29.Though they are not possess the best technology, never underestimate the-----of a determined manager working with motivated staff members.A.price B.grade

给人改变未来的力量

C.value D.cost 30.The management believes that-----all of the damaged goods will cost more than hiring a contractor to repair them.A.replacements B.replaces C.replaced D.replacing 31.To reduce confusion and inefficiency,-----office supplies should now be ordered through the new online system.A.none B.every C.most of D.all 32.Once we begin-----these files according to their content and date, our computer network drive will seem less confusing.A.organize B.organized C.organizing D.organizes 33.This position requires someone who is-----of making complex decisions in a high-pressure environment.A.qualified B.skillful C.powerful D.capable 34.Ms.Adams is hoping that the committee officers will consider-----request for a new computer system soon.A.herself B.she C.her D.hers 35.Contests that promise cash prizes for winners are often used by employer to-----their workers.给人改变未来的力量

A.predict B.transfer C.discharge D.motivate 36.Once Mr.Sato finishes showing the-----around the facility, the interview process will begin.A.applicators B.applications C.appliances D.applicants 37.The chapter on reimbursements in the employee handbook advises-----to report any travel expenses to the financial department.A.our B.us C.we D.ourselves 38.You are cordially invited to a formal-----being held in honor of the company’s new vice president.A.receipt B.receiving C.receiver D.reception 39.Team members must understand that the project they have-----will demand all of their time and energy.A.removed B.completed C.undertaken D.overheard 40.Anyone who wishes to join the senior marketing team should be-----that we work longer hours than most other members of the firm.A.known B.aware C.careful D.noticeable

给人改变未来的力量

·Part Two Directions: read the texts that follow, and mark the letter(A)(B)(C)(D).Passage 1 Questions 41-43 refer to the following notice.Welcome to get that job!___41___ a job can be a complicated and tiring process.Sometimes you don’t know where to start looking, let alone how to persuade a company that you are the best person for the job!This site is full of activities and quizzes to build on your knowledge of career-related vocabulary and offer some tips on things like ___42___ put together a good C.V.or do well in an interview.You can work your way through this side step by step, from “Job Search” to “Interviews” ——just click on “what’s next?” on the right of the page each time you have completed an activity.Or you can go straight to whichever units are of most interest to you ___43___ using the links at the top of page.Happy job hunting!

41、A.Find B.Found C.Finding D.Finds

42、A.to B.when C.that D.how to

43、A.because B.for C.by D.in Passage 2 Questions 44-46 refer to the following notice.Protect Your Network, and Your Business!A security breach can result in lost productivity and compromised data.It can damage your reputation and have a negative impact ___44___ profitability.___45___your small business from external or internal threats with security integrated in the integration allows you to safeguard your assets without perting ___46___ resources.A Celtic Self-Defending Network can help a small business and medium-sized business:-Protect company resources-Secure customer information-Identify both internal and external threats-Prevent threats before they spread 44.A.about B.on C.for D.behind

给人改变未来的力量

45.A.Protect B.Prevent C.Proceed D.Proclaim 46.A.active B.consecutive C.impressed D.valuable Passage 3 Questions 47-49 refer to the following letter.Richard Brown, President Document Makers Salem, ,MA 34588 Dear Mr.Brown: As someone who ___47___ with your company for over 3 years, we were very disappointed to see the documents you produced for our latest Drivers Co.publicity campaign.As our written agreement stipulated, we expected full color leaflets with explanatory texts, but instead, we found that black and white photos had been included in the prepared leaflets.I think you will agree that a ___48___ problem exists.We would like you to send out a ___49___ to provide us with the promised color coverage, or provide us with a refund.Yours truly, Thomas R.Smith Director

47、A.are working B.will work C.worked D.has worked

48、A.unemployment B.social C.communication D.payment

49、A.photography B.photographer C.photograph D.photographic Passage 4 Questions 50-52 refer to the following article.Business writing ______ from the chatty, conversational style often found in email messages to a familiar co-worker, to the more formal, legalistic style found in contracts.In the ______ of memos, email messages, and letters, a style between these two extremes is appropriate.Always remember, writing that is too formal can alienate readers, and an overly obvious attempt to be causal and informal may strike the reader as insincere or unprofessional.In business writing, as in all writing, knowing ______ audience is critical.51、A.donates B.varies C.suffers D.affects

给人改变未来的力量

52、A.major B.majority C.minor D.almost

53、A.you B.yourself C.yours D.your ·Part Three Directions: read the texts that follow, and mark the letter(A)(B)(C)(D).Passage 1 Questions 53-56 refer to the following notice.Westwood hotel As part of our commitment to provide the best service to our guests, routine maintenance on the water delivery system and pumps is scheduled to take place for the following date and time: Tuesday, January 7th 9:00a.m.-2:00 p.m.During the above period, water supply in the hotel may be stopped temporarily.After the maintenenance work is performed, the water may become discolored due to the sediment in the supply system.If this happens, please run the water for a while until it becomes clear again.If the water does not run clear after 3 minutes, please inform us of this problem, and then our maintenance personnel will take an immediate action.(please note that decolorization itself does not pose a risk to health.)In addition, the water pressure may fluctuate during the period of maintenance.Thus, we would appreciate it if you could shut off all the faucets in the tub and sink securely before leaving the room to prevent possible flooding.If you would like to have more information on this ,please feel free to call the front desk.We apologize for any inconvenience that this may cause.We wish you a very pleasant stay with us here at westwood.53、Why will there be interruptions in the water supply? A.The water delivery system in the hotel is broken.B.The water has been found to be contaminated.C.A scheduled maintenance work will be carried out.D.A new water delivery system will be installed.54.When are the hotel guests asked to contact the staff? A.If no hot water is coming out of the faucet B.If the water continues to be discolored C.If the water pressure is too low D.If the sediment is not visible in the water

给人改变未来的力量

55.Which of the following is NOT said in this notice? A.The water may run slowly at times.B.The discolored water is not hazardous to health.C.The water will be tested for contamination.D.The guests can call the front desk if they are not sure of this scheduled work.56.What are the guests asked to do? A.Close all the faucets tightly before they leave.B.Clean the sediments in the tubs and sinks.C.Allow the maintenance staff to access their rooms.D.Avoid using the tub and sink until after 2:00 p.m.Passage 2 Questions 57-61 refer to the following notice and E-mail massage.Notes from the meeting 10:00-10:45 Tony Higginson introduced our company to the distributor.10:45-11:30 John Green gave out samples of our new snack line.(Break for lunch)12:30-1:15 Nancy Cook gave the current nationwide sales statistics.1:15-2:30 Lois Peterson showed marketing statistics.The presentation of Kellogg Inc.2:45-3:30 Emillie Green showed a list of her company’s contacts.3:30-4:15 Ron Evans introduced market segments.To :Emillie Green From: Tony Higginson Date: November 26 Subject: Business agreement Dear Ms.Emillie Green, Thank you for meeting with us the other day.It was a very productive meeting and I think that we will be able to do business together.I’m glad to know that your distribution company, Kellogg Inc., is interested in distributing our products to the Asian market.We have long felt that our snack items would have a good market in Asia, but had not found a suitable distributor until now.I feel that Kellogg knows the Asian market very well and will suit our needs.I was impressed with Mr.Ron Evans’s vow to sell our product to grocery chains, specialty stores and food service companies.I have attached a contract for you to

给人改变未来的力量

look over.Please sign it and send it back to me by the end of next week.It’s a basic business agreement between our two companies.I look forward to receiving the distribution agreement from you.After the two agreements are signed, we would like to meet with you once more to confirm our future business relationship.I will contact you once I receive the distribution agreement to schedule another meeting.Regards, Tony Higginson 57.Why was the meeting held? A.To review costs for distribution costs B.To train salespeople C.To talk about opening a grocery chain D.To discuss distributing products 58.Who would be the best person to provide the product’s sales information? A.Emillie Green B.Ron Evans C.Nancy Cook D.Lois Peterson 59.What is the main purpose of Mr.Tony Higginson’s email to Ms.Emillie Green? A.To send a business agreement B.To go over the sales market C.To plan a business trip to Asia D.To send a distribution plan 60.What has Ron Evans promised to do? A.Sign an agreement B.Buy the product from grocery chains C.Sell the product to various outlets D.Introduce market segments 61.What will happen next week? A.Mr.Ron Evans will sell the product to specialty stores.B.Ms.Emillie Green will meet with Mr.Tony Higginson again.C.Mr.Tony Higginson will receive a signed contract.D.Mr.Tony Higginson will send a distribution agreement to be signed.Passage 3

给人改变未来的力量

Questions 62-63 refer to the following invitation.SMART Technologies Inc.We invite you to be present for the Annual Meeting of Shareholders on Friday, May 25 at 3:00 in the evening at the Austin Hotel & Convention Center.A light meal will be served from 5:30 p.m.until 6:30 p.m.Please respond to Ms.Barbara Campbell at 604-622-5521 by May 10 to indicate your presence at the meeting.402-814 Richards Street Vancouver, BC V6B 3A7 Phone: 604-622-5504 Toll-free:1-888-226-7337 62.To what event are recipients being invited? A.A free investment seminar B.A yearly meeting C.A demonstration D.A trade convention 63.What are recipients asked to do? A.Call Ms.Barbara Campbell B.Send an e-mail to Ms.Barbara Campbell C.Give a presentation D.Reserve a hotel room Passage 4 Questions 64-66 refer to the following Job notice.Youth Council of Arlington The Youth Council of Arlington is an association dedicated to improving the lives of young people through education in leadership skills, personal growth, and economic independence.Director of Finance The successful candidate will enjoy challenges and know how to solve problems effectively.In addition, he or she will have a recognized accounting certificate, over ten years of a related experience for the not-for-profit sector, and a strong understanding of teamwork.给人改变未来的力量

To apply, please forward a resume to the Executive Director immediately.While we thank the candidates for their interest, only those selected for an interview will be contacted.We regret we are unable to accept any telephone inquiries.Send to: 1325 Wilson Boulevard Arlington, Virginia, 22209 64.What is the stated purpose of this organization? A.To raise money for school trips B.To help local youth lead productive lives C.To renovate the community center D.To provide training in accounting practices 65.What does the job involve? A.Working as a cashier B.Teaching economics class C.Hiring an Account Manager D.Managing fiscal operation 66.What is NOT mentioned as a requirement for the position? A.Being a certified accountant B.Being able to work well with others C.Being able to address large groups of people D.Being an experienced worker in the field Passage 5 Questions 67-69 refer to the following announcement.Alaska Airlines Passengers can check in for their flights at the ticket counter or the departure gate.Passengers may check their luggage at the skycap desk or the ticket counter six hours prior to departure.Spare luggage tags may also be purchased at these locations.To determine the best time to check in for your flight, please refer to the real time flight arrival and departure information.The departure gate opens for check-in and boarding pass distribution only one hour prior to the scheduled departure time.At twenty minutes before departure, passengers can check in only at the departure gate.Passengers checking in less than 15 minutes before their plane is schedules to depart might be denied boarding.给人改变未来的力量

Visit the convenience store, the Dream Fly, for refreshments, books, and periodicals.We may offer recorded books for your listening pleasure while in the skies.67.For whom was this announcement made? A.Pilots and copilots B.Flight attendants C.Airline passengers D.Baggage handlers 68.What is the earliest time at which luggage can be checked? A.Fifteen minutes before departure B.Twenty minutes before departure C.One hour before departure D.Six hours before departure 69.What is NOT listed as available for purchase at the Dream Fly? A.soft drink B.A luggage tag C.newspaper D.A monthly magazine Passage 6 Questions 70-72 refer to the following advertisement.DAILY NEWS TODAY is seeking full-time Administrative Assistants for our Advertising Department.Proofreading administrative reports and editing business documents will be the most important and frequent tasks of the position.The job also involves answering phones, taking orders for advertisements and analyzing reports.Other duties will include organizing mailing, updating database, Internet research, photocopying, making travel arrangements, and day-to-day office tasks.The candidates must have excellent organizational skills.Multitasking and computer skills are a must.The successful candidates must be able to use word processing software to create documents with two or more columns of text.It is absolutely crucial that the candidates are able to speak German fluently.Previous office experience preferred but not essential.We offer a competitive wage and benefits package, including health and dental insurance coverage, paid holidays, and paid time off.给人改变未来的力量

Interested candidates should fax or mail resume and a cover letter to: Danny Walker(Mr.)Dept: Human Resource Management DAILY NEWS TODAY One Bethesda Metro Center(7400 Wisconsin Ave), Bethesda, Maryland 20814 Fax: 301-657-1453 No phone calls please 70.What is the main responsibility of the job? A.Proofreading reports such as leave, travel, budget expenditure and revenue projections.B.Updating the department web page C.Maintaining Internet connectivity D.Organizing Incoming resumes from candidates 71.What is NOT mentioned as a requirement for the job? A.Planning a business trip B.Computer skills with word processing software C.Good organizational skills D.The ability to speak German 72.How can potential employees apply for DAILY NEWS TODAY? A.By telephone B.By e-mail C.By fax D.By visiting its headquarters Passage 7 Questions 73-75 refer to the following memorandum.To : Cisco Systems employees From: Stella Joyce, Event Planning Committee Date: Friday, October 18 Subject: the 7th Annual System Administrator Appreciation Day Each year, on System Administrator Appreciation Day, we pause to recognize many contributions that have made by our system administrators during the year.This year’s System Administrator Appreciation will be held on December 10 and not December

给人改变未来的力量 as announced earlier.The Event Planning Committee is looking for your help to make this year’s celebration the best yet.We are looking for ways to increase employee involvement in the event.For instance, would you like to help schedule the event program or bring food? Would you have time to set up decorations? Or perhaps you’d be willing to help by wiping off the tables, disposing of garbage, storing leftover food and removing decoration after the event.As informational session will be held on Thursday, November 24 in room 208.If you would like to volunteer to help out at the 7th annual System Administrator Appreciation Day, please contact Ms.Becky Walls at 504-2961.If you are unable to attend the meeting but, have ideas you would like to share, please e-mail me at stella@cisco.com.73.What is NOT mentioned as an activity for volunteers? A.Determining the order of events B.Decorating a room C.Buying gifts for employees D.Helping clean up 74.What are recipient asked to do if they can not attend the meeting? A.Read a summary of the meeting B.Email Stella Joyce with their suggestions C.Drop by the human resources department D.Call the Event Planning Committee office 75.When will the planning meeting be held? A.October 18 B.November 24 C.December 5 D.December 10 Passage 8 Questions 76-80 refer to the following two letters.Dear Customer Service Representative, Hello.I purchased a Microtech Microwave Oven(Model 37)at your shop a few weeks ago.About a week ago I noticed a-hair-line crack in the glass of the door.Yesterday I checked the crack and noticed that it has expanded.给人改变未来的力量

The microwave oven has a full two-year unconditional warranty.There’s one problem.I don’t remember at the moment where I am keeping the warranty.I have patronized your store for many years, and have never had any trouble with any products before.The microwave oven is working well, but I’m concerned about the crack.I’m afraid that electromagnetic waves are leaking through the crack, and that these may be injurious to my daughter’s health.I haven’t noticed anything unusual yet, but I don’t want to take any chances.She spends a considerable amount of time playing in the kitchen near the microwave oven.I hope you don’t think I’m exaggerating my concerns.I feel my situation warrants special consideration.I have unplugged the microwave oven, and have decided not to use it.I don’t know what caused the glass of the door to crack.I used the microwave oven in accordance with the instructions in the manual.Would it be possible for you to replace the microwave oven? I would appreciate it.Yours truly, Nora Peletz Dear Ms.Peletz, Hi.Thank you very much for the letter in which you informed me about your predicament.You mentioned in the letter that there is a crack in the glass of the door, and that you have decided not to use the microwave oven.I apologize for the inconvenience.I have already arranged for a replacement to be delivered to your house.When would be a good time it to be delivered? Our normal delivery hours are Monday through Saturday from 9:00 A.M.to 6:00 P.M.however, we can deliver it whenever it’s convenient for you.In case you are wondering, you will not have to pay for the replacement.Please accept a complimentary gift in token of our gratitude to you.We appreciate your patronage, and forward to serving you in the future.Yours sincerely, Sasha Pavorotti, Manager 76.What is the purpose of the first letter? A.To claim compensation for injury B.To get some documents reissued C.To request a new appliance D.To acknowledge receipt of an order

给人改变未来的力量

77.Why is Ms.Peletz concerned about the problem she found? A.She thinks she may have short-circuited the appliance.B.She thinks the item she ordered has been delivered to the wrong place.C.The product was the first item she bought at the store in many years.D.She thinks there could be a health risk.78.Which of the following is true? A.Nora Peletz attempted to repair the door of the microwave oven.B.The appliance is under warranty.C.The customer is asking the owner of the store to reissue the warranty.D.Nora Peletz is worried about patronage.79.What will be done to help Ms.Peletz out of her predicament? A.She will be given a substitute item.B.A gift certificate will be sent to her.C.An inspection will be carried out.D.The appliance will be repaired.80.What would Ms.Pavarotti like to know? A.Whether her offer is acceptable to Ms.Peletz B.Whether her shop can check the machine C.When a delivery can be made D.How her shop should compensate Ms.Peletz for damage Passage 9 Questions 81-84 refer to the following article.K-Star Tournament to Begin Andrew Cresson, the owner of the computer game company, K-star, announced today that his firm will be sponsoring a video game tournament as part of a series of its promotional activities for its latest product lines.To be held in Hong Kong on May 5, the event will introduce a wide selection of new games for contestants to play, including stimulated reality games, sports games, and cartoon character games.The top four contestants in each round will compete in finals shown live on a large screen.Robert Ko, a sales representative at K-star, observed;” this may be the most anticipated product launch.”

Rewards for winning the computer game tournament will include free products and free plane tickets to cities like Tokyo, Seoul and Jakarta.In addition, the first

给人改变未来的力量

prize winner in each category will win the opportunity to help designers create a new game.Interested inpiduals may register to participate by filling out on-line applications, visiting a retail outlet where K-star products are sold, or contacting our automated phone service.Players must register in advance of the tournament.Audience tickets, however, may be purchased on site on the day of the event.Reporter, David Ma, Beijing, April 16 81.What is the purpose of holding the tournament? A.To recruit members for a club B.To attract new employees C.To promote a product line D.To entertain business executives 82.Who will be competing in the tournament? A.Professional athletes B.Animated film-makers C.Computer game players D.Software designers 83.Where will the tournament take place? A.In Seoul B.In Beijing C.In Tokyo D.In Hong Kong 84.How is it NOT possible for people to sign up to register? A.By going to the event B.By going to certain stores C.Over the phone D.By visiting a web site Passage 10 Questions 85-87 refer to the following information.If you are a college graduate who dream of a career in health care, the premed program of the Ohio State University can help you.A majority of students choosing our program hope to become medical physicians, but others are planning careers as a veterinarian, dentist, or optometrist.The Premed Program:

给人改变未来的力量

*comprises nine courses.*offers part-time and full-time schedules.*awards a certificate to the student completing at least seven classes.To enroll in the program, you must already have a bachelor’s degree with a minimum of a “B” average and have a strong interest in the health professions.Applicants have passed at least one college-level science course in chemistry, biology or microbiology.Finally, students have a strong desire to change career paths and be willing to engage in the rigorous science program.If you meet these requirements, call us at 917-406-5535 today!85.What position do most students in the program hope to obtain? A.dentists B.optometrists C.veterinarians D.doctors 86.What is NOT required for the program eligibility? A.a bachelor’s degree with at least a “B” average B.completion of a chemistry or biology class while in college C.a desire to begin rigorous science coursework in medical school D.an ability to attend the program as a full time student 87.How many courses must a student pass to receive a certificate? A.five B.six C.seven D.nine Passage 11 Questions 88-89 refer to the following memorandum.Memo To: All employees From: Jane Mckinley Date: Monday, 29 March 2007 Subject: Computer maintenance We will be performing routine maintenance on the computer system this Friday, March 2, starting at 6 A.M.We will be restarting the main computer which will result in a brief loss of services at some points during the one-hour maintenance.A brief message will appear on screen five minutes before the maintenance occurs.It instructs computer users to save all data and exit all programs.After the maintenance is completed, users may resume working.88.What will happen this Friday? A.Computer services will be interrupted temporarily.B.New computers will be installed.给人改变未来的力量

C.Maintenance workers will take a break at 6 A.M.D.There will be a computer competition held this Friday.89.According to the memo, what should computer users do where the message appears on screen? A.Send an e-mail to the computer help desk B.Save their current work C.Restart their computers D.Turn off their computers Passage 12 Questions 90-94 refer to the following application and memorandum.WALKER AND POWELL, INC.APPLICATION FOR EMPLOYMENT PLEASE ANSWER ALL THE QUESTIONS WRITE IN INK OR TYPE ·NAME(LAST, FIRST)Hamilton Scott ·DATE March 7 ·HAVE YOU EVER USED AN ALIAS? No.IF “YES”, WHICH ALIAS? ·HOME ADDRESS 334 Cornell Ave Woodward, Wisconsin 65092 ·SOCIAL SECURITY NO.363-45-7821 ·TELEPHONE NO.323-6504 ·IS THIS YOUR FIRST TIME TO APPLY FOR A POSITION WITH OUR FIRM? IF “NO”, PLEASE INDICATE THE POSITION AND THE YEAR IN WHICH YOU APPLIED.Yes ·WHICH POSITION DO YOU WITH TO APPLY FOR? Computer programmer ·DO YOU HAVE ANY SPECIAL SKILLS PELATED TO THE POSITION FOR WHICH YOU WISH TO APPLY? I majored in computer science at Evanston College.I was in charge of software production for a local firm for three years, and had five people working under me.ARE ANY OF YOUR FAMILY MEMBERS CURRENTLY WORKING IN OUR FIRM? No.IF “YES”, WHAT IS THE PERSON’S NAME? ______________ ·LIST THE SCHOOLS THAT YOU HAVE ATTENDED SINCE MIDDLE SCHOOL.NAME OF SCHOOL Truman High School NAME OF SCHOOL Evanston College NAME OF SCHOOL ________________

给人改变未来的力量

·WHEN CAN YOU BEGIN WORKING? I have to give my employer about two weeks’ notice of my intention to quit.SIGNATURE OF APPLICANT Scott Hamilton Memo TO: Dennis Hopper FROM: Lois Lane DATE: April 4 RE: Applications Dear Mr.Dennis Hopper, Thanks for sending me the applications.We seem to be getting more applications from better-qualified applicants each year.After reviewing the applications and conducting interviews, I’ve come to the conclusion that the applicant, Scott Hamilton, would fit in well with the employees at our company.He has management experience and has supervised workers.He studied computer science in school, and I feel his skills and knowledge could benefit our company greatly.I strongly recommend him for the position.90.What qualifications does the applicant claim to have? A.Experience with computers in public school B.Supervisory experience related to computers CTraining in marketing D.Knowledge of computer security systems 91.When can Scott Hamilton commence working? A.Approximately 14 days after submitting a letter of resignation B.About 2 weeks after he filled out the job application C.Immediately D.A couple of weeks after he quits his job 92.Which of the following is NOT true? A.The applicant does not have relatives who are working for the firm.B.Scott Hamilton was an undergraduate student.C.The company is seeking business with the local government.D.Scott Hamilton has some knowledge of software production.93.Why was the memorandum written? A.To inform of employment

给人改变未来的力量

B.To promote promising workers C.To make an announcement D.To state an opinion 94.What can be inferred from the memorandum? A.The company is seeking someone to take over Mr.Dennis Hopper’s position.B.Computer skills helped Mr.Dennis Hopper to get promoted.C.Ms.Lois Lane is not authorized to make a decision.D.Mr.Hamilton has not been interviewed yet.Passage 13 Questions 95-97 refer to the following advertisement.The Bell Conference Center is the place especially for corporate seminars.We offer meeting rooms in a variety of sizes with computer and audio-visual equipment.Banquet rooms and gourmet catering services are available.In addition, enjoy the services of on-site assistants to help you organize your event.The center also includes 250 recently renovated guest suites equipped with phone and fax machines for overnight business stays.For more extended visits, there are 10 apartments with kitchens.Guests may dine in one of our restaurants or relax by the pool.Located near Washington, D.C., the Bell Conference Center is easy to get to by bus and only minutes from Dulles International Airport.For more information, please contact Mr.Basil Jonkers at 877-522-6301.95.Who is this advertisement meant for? A.Tourists B.Epicures C.Computer technicians D.Meeting planners 96.What is stated about the guest suites? A.They have computers.B.It is located near the restaurant.C.They all have fully equipped kitchens.D.They have been remodeled.97.What is NOT mentioned as a feature of the Bell Conference Center? A.Pool B.Banquet room

给人改变未来的力量

C.Health club D.Meeting room Passage 14 Questions refer to the following notice.Rothschild Industry Bank Privacy Policies Rothschild Industry Bank is committed to keeping customer information secure.However, certain circumstances require us to share account information with others to comply with laws, perform auditing procedures or satisfy customer services.The following are only some of situations that require us to share customer information: ·Tax laws require us to report certain account transactions to appropriate government agencies.·Banking regulations require us to contract an independent auditing firm to check the accuracy of accounts and confirm the integrity of our funds transfer procedures.·Some services, such as Automated Teller Machines, are conducted in our name by other companies.·We sometimes hire other companies to perform work because they can do so at a lower cost or more efficiently than we can.We never sell customer information for marketing purposes, and none of the organizations described above may do so.If you have questions or believe Rothschild Industry Bank, its partners or contractors have violated the privacy law, contact the Data Protection Office of the Government’s Department of Commerce at(432)555-3280.98.What is suggested by the examples in the notice? A.Banks share all account information with the government.B.Privacy laws do not apply to firms that operate banking machines.C.Other bank offer more inpidualized services than Rothschild Industry Bank does.D.Banks must hire other companies to check for account errors.99.What does the bank state about customer information? A.It is not shared with auditing firms.B.It is difficult to find or access.C.It is not sold to advertising companies.给人改变未来的力量

D.It is stored in the Customer Management Database.100.What are the customers advised to do if they find their information sold or shared? A.Contact a Government agency B.Check the accuracy of their account balance C.Write to an independent auditing firm D.Call the Rothschild Industry Bank’s call center

答案解析

第三部分 英语 Part 1 1【答案】B。解析： 句子表示成功地消灭了财政赤字，从而获得收益，因此意为“黑字，盈余”。

2【答案】A。解析：本题为选择恰当的关系代词的问题。先行词the man表示人，关系从句没有主语，因此主格关系代词who为正确答案。

3【答案】D。解析： 对比较级+than结构进行提问的问题。空格处的单词既要和后面的than相呼应，同时又要修饰动词operate。

4【答案】C。解析：本题本选择修饰trying 的副词的问题。句子表示 “努力了10年，”因此C 意为“努力地”为正确答案。

5【答案】D。解析：通过分析句子，空格处应填入“投资对象”的单词。

6【答案】C。解析：空格后面直接接动词wrote，因此空格处为主格关系代词的位置。空格前的先行词为the journalist, 正确答案为C。

7【答案】B。解析： 句子表示“在价格波动厉害的时候稳定价格”。B为“使稳定，使稳固”为正确答案。

8【答案】D。解析：从空格开始到wondered为句子的主语，要能够把握这一点。空格处的单词不但作为连词引导充当主语的名词从句，同时还在含有空格的从句中充当动词wondered的宾语，因此本身含有先行词在内的关系代词D为正确答案。

9【答案】C。解析：空格处为修饰people 的分词的位置。人们被选出来发言，因此空格处需填入表示被动意义的过去分词。

10【答案】A。解析：如果知道惯用表达depending on意为“根据”，就可以很容易地解答此题。

11【答案】B。Johnson女士的信用记录不好，因此包含空格在内的谓语部分表示“不情愿地”。

给人改变未来的力量

12【答案】A。解析： 此句结构为“as+原级+as possible”，在这里，句子表示“字要尽可能的清晰”，空格处应填入充当be动词补语的形容词。

13【答案】B。解析：句子要表示“其他股市也崩盘的可能性”句意才通顺，因此B“可能性，展望”为正确答案。

14【答案】D。解析： 解答此题的关键是辨别代词anyone和复合关系词whoever.虽然两者都带有“任何人”的意思，但空格后面接动词attended, 因此能够引导从句的D为正确答案。

15【答案】D。解析： 通过分析句子结构，空格前为主语+动词+宾语的结构，因此空格以后的都必须为修饰先行词problem的关系代词从句。

16【答案】C。解析：通过选项可以知道此题为选择符合句意的动词的问题。C表示“调到”符合句意。

17【答案】A。解析：通过选项可以知道此题为选择恰当的关系代词的问题。介词from 之前的结构为“主语+动词+宾语”，从而可以知道，from 后面的部分为修饰先行词firms 的关系代词从句。

18【答案】B。解析：选项中可以直接接宾语的及物动词为正确答案。

19【答案】B。解析：从空格开始到office为修饰Employees的部分，因此B和C都可能为正确答案。句子要表示“被指示做......”的意义，因此B为正确答案。

20【答案】A。解析：句子要表示“快得多”的意思，因此可以修饰比较级的A为正确答案。

21.【答案】B。解析：空格处为介词of 的宾语的位置，名词A和动名词B可能为正确答案。但是能够以名词短语the department's webpage 为宾语的只有动名词，故选B。

22.【答案】C。解析： 通过转折连词but 可以知道，前一句表示开发癌症治疗方法的内容，后面应该表示没能得到舆论关注这种相反的内容。因此空格需填入带有否定意义的限定词。

23.【答案】D。解析： 在when 引导的状语从句中，主语要表示“工厂生产力”时，才能和动词slow down 搭配使用，因此D为正确答案。

24.【答案】C。解析：可以放在复数名词前面的 and 和no 可能为正确答案。句子表示“没有探明任何情况”这种否定的意义，故选C。

25.【答案】D。解析：句子表示“立即知道”，故选D。

26.【答案】A。解析：选择恰当的词汇填入动词remain 之后的补语的位置。Remain 后面主要接表示状态的形容词，作为招募警卫员的广告，填入空格为“警戒的”形容词最为恰当。

27.【答案】C。解析：通过选项可以知道，此题为选择恰当的人称代词的问题。空格处为修饰作为review宾语的work的限定词的位置，选项中可以用做限定词的只有所有格。

给人改变未来的力量

28.【答案】B。解析：空格后接复数名词prices, 可以和可数名词搭配使用的B和C可能为正确答案。分析句子可知，当其表示“几个的，少数的”句意自然，故选B。

29.【答案】C。解析：句子表示“经营者的价值”，故选C 30.【答案】D。解析：从空格开始到goods 截止的部分为that从句的主语，分析句子可以知道，all of the damaged goods 充当空格的宾语。

31.【答案】D。解析：通过选项可以知道此题为选择恰当的限定词的问题。句子表示“所有办公用品”，因而B和D可能会为正确答案。但是空格后接的office supplies 为复数名词，故选D。

32.【答案】C。解析：空格前有动词begin, 后面有宾语these files, 从而可以看出空格处需填入可以接宾语的不定式to do或动名词doing。

33.【答案】D。解析：如果知道意为“有能力做......”的词组 be capable of doing, 就可以很容易地解答问题。句子表示“具有能力做复杂的决策的人”，D为正确答案。

34.【答案】C。解析：通过选项可以得知，此题为选择恰当的代词的格的问题。35.【答案】D。解析：选项为各种动词，空格前直接就有to, 因此构成to+空格结构的to不定式。

36.【答案】D。解析：show A around B 用来表示“带领A参观B”。故选D。37.【答案】B。解析：此题为提问句型中宾语的问题。空格需要填入advises的宾语，故选宾格代词us。

38.【答案】D。解析：句子表示“收到参加欢迎会的邀请”，因此意为“欢迎会”D为正确答案。

39.【答案】C。解析： that从句中，从they开始到空格截止的部分为修饰the project 的结构，句子表示“他们负责的项目”，故选C。

40.【答案】B。解析：表示“知道的”意思的B放在这里最合适。Part 2 41.【答案】C。解析：非谓语的考查。Finding a job作主语，job在这个动宾结构中做宾语。

42.【答案】D。解析：跟在介词like后面，应选择一个作为宾语的名词表达方式。43.【答案】C。解析：by与动名词结合，表示“以„的方式”。In作介词是也有“按照，以„方式”，但通常与way 连用，例：in the way of„。

44.【答案】B。解析：固定搭配：have an impact on表示对„„造成影响。45.【答案】A。解析：protect business意为保护产业，与文中上下文意思相符。46.【答案】D。解析：词义辨析题。只有D符合，意为宝贵的、有价值的。47.【答案】D。解析：考查动词的时态。文中该句已说明“„for 3 years”，所以用现在完成时。

给人改变未来的力量

48.【答案】C。解析：之所以造成失误，是交流过程中产生的问题。

49.【答案】B。解析：冠词a后面跟名词，且结合上下文意思是派一个摄影师。50.【答案】B。解析：空格后出现from，应填入能和from搭配使用的不及物动词。Varies from表示“(根据„而)不同”。

51.【答案】B。解析：结合句意，和后面列举了好几个种类，这里应选majority，表示大部分。

52.【答案】 D。解析：对代词的考查。修饰audience这个名词，前面应用形容词性物主代词，选择your。

Part 3 53.【答案】C。解析：文章第一段说了要对供水系统和管道进行定期维护(routine maintenance on the water delivery system and pumps)，所以宾馆内的供水会暂时中断(water supply in the hotel may be stopped temporarily)。因此选C，供水中断的原因是定期维护。

54.【答案】B。解析：文中第二段说“如果3分钟后水还没有变清(if the water continues to be discolored)，请联系维修人员”。因此选B。

55.【答案】C。解析：在第三段开头提到水压变动，由此可推测水流肯定会发生变化。并且，在第二段末尾说了，水变色本身对健康无害。最后一段第一句也提到联系前台，只有C选项与文章无关。

56.【答案】A。解析：文章在倒数第二段对客人的要求是：we would appreciate it if you could shut off all the faucets in the tub and sink securely before leaving the room to prevent possible flooding.(为了防止水溢出，请在出门前关掉浴盆和洗涤槽的水龙头)因此答案选A。

57.【答案】D。解析：会议记录是关于商品经销的内容，并且在邮件中提到向Kellogg经销公司提出业务合作的请求。To discuss distributing products为商讨产品流通问题。

58.【答案】C。解析：邮件以外的部分说到问题中的the product’s sales information(商品销售信息)和文章中的sales statistics(销售统计)是同义词组，因此可以得知Nancy Cook是提供销售信息的最佳人选。

59.【答案】A。解析：邮件的第一段中先说“非常有益的会议(a very productive meeting)”，然后提议“进行商业合作”。所以写信的目的是提议合作，并寄送具体的商业合作协议。

60.【答案】C。解析：在邮件的第二段定位Ron Evans及相关内容，然后与选项比较，得出C选项的内容。

61.【答案】C。解析：邮件后半部分说“please sign it and send it back to me by the end of next week.”因此可以推断Tony Higginson会收到一份签名的协议书。

给人改变未来的力量

62.【答案】B。解析：邀请函的核心是告知“会议时间和地点”，并发出邀请。

第三篇：2012中国建设银行招聘考试试题及答案

2012中国建设银行招聘考试专业知识与实务试题及答案

一、单项选择题（共60题．每题1分．每题的备选项中．只有一个最符合题意）

1.人民币由商业银行和其他金融机构现金业务库通过不同渠道进入流通领域为（C）。A．现金发行B．现金归行 C．现金投放D．现金回笼

2.当商业很行和其他金融机构将超过其业务库存限额的现金再送缴人民银行发行库的过程称为（D）。

A．现金发行B．现金归行 C．现金投放D．现金回笼

3.如果其他情况不变，中央银行减少其黄金储备，货币供应量将（A）。

A．下降B．不变C．上升D．上下波动

4.在借贷期间可定期调整的利息率是（C）。A．优惠利率B．基准利率 C．浮动利率D．实际利率

5.从整个社会考察，利息率的最高界限是（D）。A．通货膨胀率B．市场利率 C.官定利率D.平均利润率

6.某储户要求存3年期积零成整储蓄，到期支取本息60000元，如果月利率为6‰，每月应存多少元（B）。

A．1400元B．1500元C．1600元D．1468元 解析：注意掌握积零成整储蓄存款利息的计算。

7.金融机构的准备金存款按季结息，每季度末月的二十日为结息日，按（C）的利率计算。A．活期储蓄存款B．定期储蓄存款 C．结息日D．存入日

9.我国首家中外合资银行是（D）。A.中国民生银行 B.福建兴业银行 C.中信实业银行 D.厦门国际银行

10.投资基金中最具权威性和主动性的当事人是（A）

A发起人B托管人C经理人D投资人

13.财务公司主要为（A）提供金融服务。A．企业集团内部各单位B．社会公众 C．企业单位D．事业单位

14.根据《人民币单位存款管理办法》规定，单位定期存款可以全部或部分提前支取，能提前支取的次数为（C）。

A.3次 B.2次 C.1次 D.只要账户上有钱就能随便支取

16.票据面额扣除贴现息后的差额被称为（D）。A.票据利息 B.票据价值 C.票据交易价格D.票据贴现额

17.如下选项中可引起商业银行头寸增加的因素是（A）。

A．本行客户交存它行支票

B．本行客户签发支票支付它行客户债务 C．支付同业往来利息 D．调增法定存款准备金

18.设某商业很行营业部当日库存现金低于限额200万元，为补足现金库存，从中央银行调入现金200万元，这时该营业部现金头寸（C）。A．增加200万元B．增加100万元 C．不变D．减少200万元

19.对已发行的证券进行买卖、转让的市场称为（B）。

A．证券发行市场B．证券流通市场 C．初级市场D．一级市场 20.证券买卖双方成交后，在规定的时间内收付应收应付款项和证券的过程称为（C）。A．委托B．清算C．交割D．过户

21.某投资者预期股价指数将上升，于是购买指数期货合约以待日后上升时再卖出获利。这种交易称为（A）。

A．股价指数买空交易B．期货交易 C．股价指数卖空交易D．保证金多头交易

29.付款人对收款人委托收取的款项拒绝付款的，应在接到付款银行发出通知(A)内出具拒绝证明。A．3天 B．5天 C．10天 D．30天

31.下列凭证属于银行特定凭证的有(A)。A.支票及进账单 B．现金收、付传票 C.转账借、借方传票 D.特种转账借、贷方传票 解析：其他几类属于基本凭证

32.转账凭证传递的要求是(C)。A.先收款、后记账 B.先记账，后收款 C.先借后贷，他行票据收妥抵用 D.先贷后借，他行票据收妥抵用

33.商业银行发放短期信用贷款时，借记科目应是(D)A.活期存款 A．现金 B．抵押贷款 C．短期贷款

34.银行提取贷款损失准备金时，借记科目应是(B)。

A.短期贷款 B.其他营业支出 C.逾期贷款D.贷款呆账准备

35.签发行签发银行汇票，其贷记科目是(B)。A.活期存款——汇款单位 B.汇出汇款 C.联行往账 D.现金

36.银行营业利润率指标正确的计算公式是营业利润率等于（C）。

A．利润总额/实收资本×100% B．利润总额/贷款余额×100%

C．利润总额/营业收入×100%

D．利润总额/（营业收入-金融机构往来收）×100%

38.超额准备金存款在商业银行的日常业务活动中（A）。

A.可以自由支配 B.经人民银行审批可以使用

C.经银监会审批可以使用 D．不得投入使用

39.实现高效率的经营管理并达到良好的效果属于商业银行内部控制的（A）

A业绩目标B信息目标 C合规性目标D风险性目标

40.借款人的还款能力出现明显问题，依托其正常经营收入已经无法保证按时足额偿还本 的贷款属于(B)

A．关注贷款 B．次级贷款

C．可疑贷款 D．损失贷款

41.某企业因生产急需流动资金，将一张面额为50万元，距到期日尚需146天的票据以7%的年贴现率卖给银行，企业能获得的贴现款为（B）元。

A.486800 B.486000 C.438000 D.55000

42.流动性缺口率一般不应低于（D）。A.4% B.5％ C.8% D.10%

43.由证券登记结算机构对每一营业日成交的证券与价格分别予以轧抵，计算证券和资金的应收或应付净额的处理过程，被称作（C）。A.开户 B.委托 C.清算 D.竞价

44.国库券是各国政府筹集短期资金的常用工具，由于计算利率不便，国库券一般是采用(C)发

行的方式。

A．溢价 B．平价 C．折价 D．按票面价

二、多项选择题（共20题，每题2分，每题的备选项中，有2个以上符合题意，至少有1个错项，错选，本题不得分，少选，所选的每个选项得0.545.按低于票面额的价格发行，到期按票面额清偿，分）

发行价格与票面额的差价是投资人的收益，这种债券称为(C)。

A．固定利率债券 B．浮动利率债券 C．零息债券 D 可转换债券

52.衡量一国国际收支是否平衡，主要看(A)是否达到平衡。

A．自主性交易 B．调节性交易 C．国内交易与国外交易 D．官方交易与私人交易

53.在外汇买卖成交后当天或两个营业日内办理交割的外汇被称为（D）。

A.贸易外汇 B.自由外汇 C.远期外汇 D.即期外汇

54.如果其他情况不变，中央银行减少其外汇储备，货币供应量将（B）。

A．上升B．下降C．不变D．上下波动

55.贴现到期，银行收到承兑人开户行划来的票款时，贷记科目是(D)。

A.活期存款 B.逾期贷款 C.联行来账 D.贴现 解析：借：联行来账，贷：贴现

57.核心资本不得低于(A)A．4％ B．8％ C．10％D．20％

58.附属资本不得超过核心资本的(C)。A．50％ B．80％ C．100％D．130% 59.全部关联度一般不得超过(D)。A．60％ B．80％ C．40％ D．50％

61.形成一定时期内货币供应量超过客观需求量的基本原因（ABDE）。A．银行信贷原因 B．国际收支原因

C．市场因素 D．国家财政原因 E．经济结构原因

62.凯恩斯的货币需求动机理论中为消费性货币需求的是（BC）。

A．投资动机 B．交易动机 C．预防动机 D．消费动机 E．投机动机

63.银行按储户要求办理自动转存的做法是（ABCD）。

A．按原存款期限自动办理转期续存

B．所生利息并入本金 C．按转存日利率重新起息 D．不开新存单 E．重新开存单

64.贷款利息计算中的定期结息，一般采用（BC）

计息。A．资产负债表 B．计息余额表

C．贷款分户账 D．支付结算凭证 E．财务状况变动表

65.我国金融资产管理公司的主要业务范围是（ABDE）。A．管理、处置银行划转的不良资产 B．投资咨询与顾问

C．接受其他金融机构委托、发放贷款 D．直接投资与资产证券化 E．债务追索和重组

66.根据我国票据法规定，票据到期，如果票据上的付款人无款支付，可对票据关系人进行追索，追索金额为（ACE）。A．票据载明的金额 B．违约金

C．自票据到期日至票据清偿日按规定利率计算的利息

D．损害赔偿金

E．因行使追索权而支付的费用

67.银行不得受理的银行汇票有(ACDE)。A．持票人超过付款期限提示付款的 B．合法转让的票据 C．未填明实际结算金额的 D．实际结算金额超过出票金额的 E.缺少银行汇票联数或解讫通知的

68.下列可以用于转账，也可以用于支取现金的票据有(ACD)。A.银行汇票 B.商业汇票 C.银行本票 D.普通支票

69.反映商业银行经营状况的指标有（CDE）。A．营业利润率 B．资本金利润率 C．流动比率 D．资本风险比率 E．固定资本比率

70.关于银行资本风险比率指标，阐述正确的有（ABD）。

A．资本风险比率是指逾期贷款与银行所有者权益之间的比率

B．该比率表明银行所有者权益承受贷款风险、保障债权人利益的程度

C．财务杠杆比率越高，资本风险比率越小 D．逾期贷款率越高，资本风险比率越大

E．根据人民银行监控指标，逾期贷款率应不大于10%

解析：根据人民银行监控指标，逾期贷款率应不大于8%

71.金融风险管理的基本原则是(ABCD)A．全面风险管理原则 B．垂直风险管理原则 C．独立性原则 D．集中管理原则

72.商业银行的风险评级主要是对银行经营要素的综合