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银行英语阅读理解汇总
Questions 21 to 25 are based on the following passage.
There are good reasons to be troubled by the violence that spreads throughout the media. Movies. Television and video games are full of gunplay and bloodshed, and one might reasonably ask what‘s wrong with a society that presents videos of domestic violence as entertainment. Most researchers agree that the causes of real-world violence are complex. A 1993 study by the U.S. National Academy of Sciences listed ―biological, individual, fami ly, peer, school, and community factors‖ as all playing their parts.
Viewing abnormally large amounts of violent television and video games may well contribute to violent behavior in certain individuals.
The trouble comes when researchers downplay uncertainties in their studies or overstate the case for causality (因果关系). Skeptics were dismayed several years ago when a group of societies including the
American Medical Association tried to end the debate by issuing a joint statement: “At this time, well over 1,000 studies… point overwhelmingly to a causal connection between media violence and aggressive behavior in some children.‖
Freedom-of-speech advocates accused the societies of catering to politicians, and even disputed the number of studies (most were review articles and essays, they said). When Jonathan Freedman, a social psychologist at the University of Toronto, reviewed the literature, he found only 200 or so studies of television-watching and aggression. And when he weeded out ―the most doubtful measures of aggression‖, only 28% supported a connectio n.
The critical point here is causality. The alarmists say they have proved that violent media cause aggression. But the assumptions behind their observations need to be examined. When labeling games as violent or non-violent, should a hero eating a ghost really be counted as a violent event? And when experimenters record the time it takes game players to read ?aggressive‘ or ?non-aggressive‘ words from a list, can we be sure what they are actually measuring? The intent of the new Harvard Center on Media and Child Health to collect and standardize studies of media violence in order to compare their methodologies, assumptions and conclusions is an important step in the right direction.
Another appropriate ster would be to tone down the criticism until we know more. Several researchers write, speak and testify quite a lot on the threat posed by violence in the media. That is, of course, their privilege. But when doing so, they often come out with statements that the matter has now been settled, drawing criticism from colleagues. In response, the alarmists accuse critics and news reporters of being deceived by the entertainment industry. Such clashes help neither science nor society.
21. Why is there so much violence shown in movies, TV and video games?
A) There is a lot of violence in the real world today.
B) Something has gone wrong with today‘s society.
C) Many people are fond of gunplay and bloodshed.
D) Showing violence is thought to be entertaining.
22. What is the skeptics (Line 3. Para.3) view of media violence?
A) Violence on television is a fairly accurate reflection of real-world life.
B) Most studies exaggerate the effect of media violence on the viewers.
C) A causal relationship exists between media and real-world violence.
D) The influence of media violence on children has been underestimated.
23. The author uses the term ―alarmists‖ (Line 1. Para.5) to refer to those who ______.
A) use standardized measurements in the studies of media violence
B) initiated the debate over the influence of violent media on reality
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C) assert a direct link between violent media and aggressive behavior
D) use appropriate methodology in examining aggressive behavior
24. In refuting the alarmists, the author advances his argument by first challenging____.
A) the source and amount of their data
B) the targets of their observation
C) their system of measurement
D) their definition of violence
25. What does the author think of the debate concerning the relationship between the media and violence?
A) More studies should be conducted before conclusions are drawn.
B) It should come to an end since the matter has now been settled.
C) The past studies in this field have proved to be misleading.
D) He more than agrees with the views held by the alarmists.
Passage Two
You’re in trouble if you have to buy your own brand-name prescription drugs. Over the past decade, prices leaped by more than double the inflation rate. Treatments for chronic conditions can easily top ＄2,000 a month-no wonder that one in four Americans can’s afford to fill their prescriptions. The solution? A hearty chorus of ―O Canada.‖ North of the border, where price controls reign, those same brand-name drugs cost 50% to 80% less.
The Canadian option is fast becoming a political wake-up call, “If our neighbors can buy drugs at reasonable prices, why can‘t we?‖ Even to whisper that thought provokes anger.
“Un-American!”And-the propagandists’trump card (王牌)—“Wreck our brilliant health-care system.‖ Super-size drug prices, they claim, fund the research that sparks the next generation of wonder drugs. No sky-high drug price today, no cure for cancer tomorrow. So shut up and pay up. Common sense tells you that‘s a false alternative. The reward for finding. Say, a cancer cure is so huge that no one‘s going to hang it up. Nevertheless, if Canada-level pricing came to the United States, the industry‘s profit margins would drop and the pace of new-drug development would slow. Here lies the American dilemma. Who is all this splendid medicine for? Should our
health-care system continue its drive toward the best of the best, even though rising numbers of patients can‘t afford it? Or should we direct our wealth toward letting everyone in on today‘s level
of care? Measured by saved lives, the latter is almost certainly the better course.
To defend their profits, the drug companies have warned Canadian wholesalers and pharmacies(药房) not to sell to Americans by mail, and are cutting back supplies to those who dare.
Meanwhile, the administration is playing the fear card. Officials from the Food and Drug Administration will argue that Canadian drugs might be fake, mishandled, or even a potential
threat to life.
Do bad drugs fly around the Internet? Sure-and the more we look, the more we’ll find, But I haven‘t heard of any raging epid emics among the hundreds of thousands of people buying
cross-border.
Most users of prescription drugs don’s worry about costs a lot.
They’re sheltered by employee insurance, owing just a $20 co-pay.
The financial blows rain, instead, on the uninsured, especially the chronically ill who need expensive drugs to live, This group will still include middle-income seniors on Medicare, who‘ll have to dig deeply into their pockets before getting much from the new drug benefit that starts in 2006.
26. What is said about the consequence of the rocketing drug prices in the U.S.?
A) A quarter of Americans can‘t afford their prescription drugs.
B) Many Americans can‘t afford to see a doctor when they fall ill.
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C) Many Americans have to go to Canada to get medical treatment.
D) The inflation rate has been more than doubled over the years.
27. It can be inferred that America can follow the Canadian model and curb its soaring drug prices by _____.
A) encouraging people to buy prescription drugs online
B) extending medical insurance to all its citizens
C) importing low-price prescription drugs from Canada
D) exercising price control on brand-name drugs
28. How do propagandists argue for the U.S. drug pricing policy?
A) Low prices will affect the quality of medicines in America.
B) High prices are essential to funding research on new drugs.
C) Low prices will bring about the anger of drug manufacturers.
D) High-price drugs are indispensable in curing chronic diseases.
29. What should be the priority of America‘s hea lth-care system according to the author?
A) To resolve the dilemma in the health-care system.
B) To maintain America‘s lead in the drug industry.
C) To allow the vast majority to enjoy its benefits.
D) To quicken the pace of new drug development.
30. What are American drug companies doing to protect their high profits?
A) Labeling drugs bought from Canada as being fakes.
B) Threatening to cut back funding for new drug research.
C) Reducing supplies to uncooperative Canadian pharmacies.
D) Attributing the raging epidemics to the ineffectiveness of Canadian drugs.
Passage Three
Age has its privileges in America. And one of the more prominent of them is the senior citizen discount. Anyone who has reached a certain age-in some cases as low as 55-is automatically entitled to a dazzling array of price reductions at nearly every level of commercial life. Eligibility is determined not by one‘s need but by the date on one‘s birth certificate. Practically unheard of a generation ago, the discounts have become a routine part of many businesses-as common as color televisions in motel rooms and free coffee on airliners.
People with gray hair often are given the discounts without even asking for them；yet，millions of Americans above age 60 are healthy and solvent (有支付能力的). Businesses that would never dare offer discounts to college students or anyone under 30 freely offer them to older Americans. The practice is acceptable because of the widespread belief that ―elderly‖ and ―needy‖ are synonymous (同义的).
Perhaps that once was true, but today elderly Americans as a group have a lower poverty rate than the rest of the population. To be sure, there is economic diversity within the elderly, and many older Americans are poor, But most of them aren‘t. It is impossible to determine the impact of the discounts on individual companies. For many firms, they are a stimulus to revenue. But in other cases the discounts are given at the expense.
Directly or indirectly, of younger Americans. Moreover, they are a direct irritant in what some politicians and scholars see as a coming conflict between the generations.
Generational tensions are being fueled by continuing debate over Social Security benefits，which mostly involves a transfer of resources from the young to the old. Employment is another sore point, Buoyed (支持) by laws and court decisions, more and more older Americans are declining the retirement dinner in favor of staying on the job-thereby lessening employment and promotion opportunities for younger workers.
Far from a kind of charity they once were, senior citizen discounts have become a formidable economic privilege to a group with millions of members who don‘t need them.
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It no longer makes sense to treat the elderly as a single group whose economic needs deserve priority over those of others. Senior citizen discounts only enhance the myth that older people can’t take care of themselves and need special treatment；and they threaten the creation of a new myth, that the elderly are ungrateful and taking for themselves at the expense of children and other age groups. Senior citizen discounts are the essence of the very thing older Americans are fighting against-discrimination by age.
31. We learn from the first paragraph that____.
A) offering senior citizens discounts has become routine commercial practice
B) senior citizen discounts have enabled many old people to live a decent life
C) giving senior citizens discounts has boosted the market for the elderly
D) senior citizens have to show their birth certificates to get a discount
32. What assumption lies behind the practice of senior citizen discounts?
A) Businesses, having made a lot of profits, should do something for society in return.
B) Old people are entitled to special treatment for the contribution they made to society.
C) The elderly, being financially underprivileged，need humane help from society.
D) Senior citizen discounts can make up for the inadequacy of the Social Security system.
33. According to some politicians and scholars, senior citizen discounts will___.
A) make old people even more dependent on society
B) intensify conflicts between the young and the old
C) have adverse financial impact on business companies
D) bring a marked increase in the companies revenues
34. How does the author view the Social Security system?
A) It encourages elderly people to retire in time.
B) It opens up broad career prospects for young people.
C) It benefits the old at the expense of the young
D) It should be reinforced by laws and court decisions
35. Which of the following best su mmarizes the author‘s main argument?
A) Senior citizens should fight hard against age discrimination.
B) The elderly are selfish and taking senior discounts for granted.
C) Priority should be given to the economic needs of senior citizens.
D) Senior citizen discounts may well be a type of age discrimination.
Passage Four
In 1854 my great-grandfather, Morris Marable, was sold on an auction block in Georgia for ＄500. For his white slave master, the sale was just “business as usual.”But to Morris Marable and his heirs, slavery was a crime against our humanity. This pattern of human rights violations against enslaved African-Americans continued under racial segregation for nearly another century. The fundamental problem of American democracy in the 21st century is the problem of ―structural racism‖ the deep patterns of s ocio-economic inequality and accumulated disadvantage that are coded by race, and constantly justified in public speeches by both racist stereotypes and white indifference. Do Americans have the capacity and vision to remove these structural barriers that deny democratic rights and opportunities to millions of their fellow
citizens?
This country has previously witnessed two great struggles to achieve a truly multicultural democracy.
The First Reconstruction (1865-1877) ended slavery and briefly gave black men voting rights, but gave no meaningful compensation for two centuries of unpaid labor. The promise of ―40 acres and a mule (骡子)”was for most blacks a dream deferred (尚未实现的).
The Second Reconstruction (1954-1968), or the modern civil rights movement, ended legal segregation in public accommodations and gave blacks voting rights . But these successes
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paradoxically obscure the tremendous human costs of historically accumulated disadvantage that remain central to black Americans‘ lives.
The disproportionate wealth that most whites enjoy today was first constructed from centuries of unpaid black labor. Many white institutions, including some leading universities, insurance companies and banks, profited from slavery. This pattern of white privilege and black inequality continues today.
Demanding reparations (赔偿) is not just about compensation for slavery and segregation. It is, more important, an educational campaign to highlight the contemporary reality of ―racial deficits‖ of all kinds, the unequal conditions that impact blacks reg ardless of class. Structural racism‘s barriers include ―equity inequity.‖ the absence of black capital formation that is a direct consequence of America‘s history. One third of all black households actually have negative net wealth. In 1998 the typical black family’s net wealth was ＄16,400, less than one fifth that of white families.
Black families are denied home loans at twice the rate of whites.
Blacks remain the last hired and first fired during recessions.
During the 1990-91 recession. African-Americans suffered disproportionately. At Coca-Cola, 42 percent of employees who lost their jobs were blacks. At Sears, 54 percent were black, Blacks have significantly shorter life spans, in part due to racism in the health establishment. Blacks are statistically less likely than whites to be referred for kidney transplants or early-stage cancer surgery.
36. To the author, the auction of his great-grandfather is a typical example of____.
A) crime against humanity
B) unfair business transaction
C) racial conflicts in Georgia
D) racial segregation in America
37. The barrier to democracy in 21st century America is____.
A) widespread use of racist stereotypes
B) prejudice against minority groups
C) deep-rooted socio-economic inequality
D) denial of legal rights to ordinary blacks
38. What problem remains unsolved in the two Reconstructions?
A) Differences between races are deliberately obscured.
B) The blacks are not compensated for their unpaid labor.
C) There is no guarantee for blacks to exercise their rights.
D) The interests of blacks are not protected by law.
39. It is clear that the wealth enjoyed by most whites____.
A) has resulted from business successes over the years
B) has been accompanied by black capital formation
C) has derived from sizable investments in education
D) has been accumulated from generations of slavery
40. What does the author think of the current situation regarding racial discrimination?
A) Racism is not a major obstacle to blacks‘ employment.
B) Inequality of many kinds remains virtually untouched
C) A major step has been taken towards reparations.
D) Little has been done to ensure blacks‘ civil rights.
答案：21 D) Showing violence is thought to be entertaining
22 B) Most studies exaggerate the effect of media violence on the viewers.
23 C) assert a direct line between violent media and aggressive behavior.
24 D) their definition of violence
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25 A) More studies should be conducted before conclusions are drawn.
26 A) A quarter of Americans can't afford their prescription drubs.
27 D) exercising price control on brand-name drugs.
28 B) High prices are essential to funding research on new drugs.
29 C) To allow the vast majority to enjoy its benefits.
30 C) Reducing supplies to uncooperative Canadian pharmacies.
31 A) offering senior citizens discounts has become routine commercial practice
32 C) The elderly, being financially underprivileged, need human help from society.
33 B) intensify conflicts between the young and the old
34 C) It benefits the old at the expense of the young.
35 D) Senior citizen discounts may well be a type of age
36 A) crime against humanity
37 C) deep-rooted socio-economic inequality
38 B) The blacks are not compensated for their unpaid labor
39 D) has been accumulated from generations of slavery
40 B) Inequality of many kinds remains virtually untouched.
Questions 26 to 30 are based on the following passage.
It used to be that people were proud to work for the same company for the whole of their working lives. They‘d get a gold watch at the end of their productive years and a dinn er featuring speeches by their bosses praising their loyalty/But today‘s rich cap italists have regressed (倒退) to the “survival of the fittest”ideas and their loyalty extends not to their workers or even to their stockholders but only to themselves. Instead of giving out gold watches worth a hundred or so dollars for forty or so years of work, they grab tens and even hundreds of millions of dollars as they sell for their own profit the company they may have been with for only a few years.
The new rich selfishly act on their own to unfairly grab the wealth that the country as a whole has produced. The top l percent of the population now has wealth equal to the whole bottom 95 percent and they want more. Their selfishness is most shamelessly expressed in downsizing and outsourcing (将产品包给外公司做) because these business maneuvers don’t act to create new jobs as the founders of new industries used to do, but only to cut out jobs while keeping the money value of what those jobs produced for themselves.
To keep the money machine working smoothly the rich have bought all the politicians from the top down. The president himself is constantly leaving. Washington and the business of the nation because he is summoned to ―fundraising dinners‖ where fat cats pay a thousand or so dollars a plate to worm their way into government not through service but through donations of vast amounts of money. Once on the inside they have both political parties busily tearing up all the regulations that protect the rest of us from the greed of the rich.
The middle class used to be loyal to the free enterprise system. In the past, the people of the middle class mostly thought they‘d be rich themselves someday or have a good shot at becoming rich. But nowadays income is being distributed more and more unevenly and corporate loyalty is a thing of the past. The middle class may also wake up to forget its loyalty to the so-called free enterprise system altogether and the government which governs only the rest of us while letting the corporations do what they please with our jobs. As things stand. if somebody doesn‘t wake up, the middle class is on a path to being downsized all the way to the bottom of society.
26. It can be inferred form the first paragraph that people used to place a high value on _________ .
A) job security
B) bosses‘ praise
C) corporate loyalty
D) retirement benefits
27. The author is strongly critical of today‘s rich capitalists for _________.
A) not giving necessary assistance to laid-off workers
B) maximizing their profits at the expense of workers
C) not setting up long-term goals for their companies
D) rewarding only those who are considered the fittest
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28. The immediate consequence of the new capitalists‘ practice is ________ .
A) loss of corporate reputation
B) lower pay for the employees
C) a higher rate of unemployment
D) a decline in business transactions
29. The rich try to sway the policy of the government by ________ .
A) occupying important positions in both political parties
B) making monetary contributions to decision-makers
C) pleasing the public with generous donations
D) constantly hosting fundraising dinners
30. What is the author‘s purpose in writing this passage?
A) To call on the middle class to remain loyal to the free enterprise system.
B) To warn the government of the shrinking of the American middle class.
C) To persuade the government to change its current economic policies.
D) To urge the middle class to wake up and protect their own interests.
Questions 31 to 35 are based on the following passage
Intel chairman Andy Grove has decided to cut the Gordian knot of controversy surrounding stem cell research by simply writing a check.
The check, which he pledged last week, could be for as much as $5 million, depending on how many donors make gifts of between $50,000 and $500,000. which he has promised to match. It will be made out to the University of California-San Francisco (UCSF).
Thanks in part to such private donations, university research into uses for human stem cells the cells earliest stages of development that can form any body part-will continue in California. With private financial support, the state will be less likely to lose talented scientists who would be tempted to leave the field or even leave the field or even leave the country as research dependent on federal money slows to a glacial (极其缓慢的) pace.
Hindered by limits President Bush placed on stem cell research a year ago, scientists are turning to laboratories that can carry out work without using federal money. This is awkward for universities. Which must spend extra money building separate labs and keeping rigorous records proving no federal funds were involved. Grove‘s donation, a first step toward a $20 million target at UCSF. Will ease the burden.
The president‘s decision a year ago to allow research on already existing stem cell lines was portrayed as a reasonable compromise between scientists‘ needs for cells to work with, and concerns that this kind of research cold lead to wholesale creation and destruction of human embryos (胚胎)。Cloned infants and a general contempt for human life.
But Bush‘s effort to please both sides ended up pleasing neither. And it certainly didn‘t provide the basis for cutting edge research. Of the 78 existing sxisting stern cell lines which Bush said are all that science would ever need, only one is in this country ( at the University of Wisconsin), and only five are ready for distribution to researchers. All were grown in conjunction with mouse cells, making future therapeutic (治疗的) uses unlikely.
The Bush administration seems bent on satisfying the small but vocal group of Americans who oppose stem cell research under any conditions. Fortunately, Grove and others are more interested in advancing scientific research that c ould benefit the large number of Americans who suffer from Parkinson‘s disease, nerve injuries, heart diseases and many other problems.
31.When Andy Grove decided to cut the Gordian knot, he meant to _______.
A) put an end to stem cell research
B) end Int el‘s relations with Gordian
C) settle the dispute on stem cell research quickly
D) expel Gordian from stem cell research for good
32. For UCSF to carry on stem cell research, new funds have to come from _______.
A) interested businesses and individuals
B) the United States federal government
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C) a foundation set up by the Intel Company
D) executives of leading American companies
33. As a result o the limits Bush placed on stem cell research, American universities will __________.
A) conduct the research in laboratories overseas
B) abandon the research altogether in the near future
C) have to carry out the research secretly
D) have to raise money to build separate labs
34. We may infer from the passage that future therapeutic uses of stem cells will be unlikely unless ________.
A) human stem cells are used in the research
B) a lot more private donations can be secured
C) more fcderal money is used for the research
D) talented scientists are involved in the research
35. The reason lying behind President Bush‘s placing limits on stem cell research is that __________.
A) his administration is financially pinched
B) he did not want to offend its opponents
C) it amounts to a contempt for human life
D) it did not promise any therapeutic value
Questions 36 to 40 are based on the following passage.
This looks like the year that hard-pressed tenants in California will get relief-not just in the marketplace, where rents have eased, but from the state capital Sacramento.
Two significant tenant reforms stand a good chance of passage. One bill, which will give more time to tenants being evicted (逐出)，will soon be heading to the governor’s desk. The other, protecting security deposits, faces a vote in the Senate on Monday.
For more than a century, landlords in California have been able to force tenants ou t with only 30 days‘ notice. That will now double under SB 1403, which got through the Assembly recently The new protection will apply to renters who have been in an apartment for at least a year.
Even 60 days in a tight housing market won’t be long enough for some families to find at apartment near where their kids go to school, But it will be an improvement in cities like San Jose where renters rights groups charge that unscrupulous (不择手段的) landlords have kicked ou tenants on short notice to put up rents.
The California Landlords Association argued that landlords shouldn‘t have to wait 60 days to get rid of problem tenants. But the bill gained support when a Japanese real estate investor sent ou 30-day eviction notices to 550 families renting homes in Sacramento and Santa Rosa. The land lords lobby eventually dropped its opposition and instead its forces against AB 2330, re garding security deposits.
Sponsored by Assemblywoman Carole Migden of San Francisco, the bill would establish; procedure and a timetable for tenants to get back security deposits.
Some landlords view security deposits as a free month‘s rent, theirs for the taking. In mos cases, though, there are honest disputes over damages-what constitutes ordinary wear and tear.
AB 2330 would give a tenant the right to request a walk-through with the landlord and to make the repairs before moving out; reputable landlords already do this. It would increase the penalty for failing to return a deposit.
The original bill would have required the landlord to pay interest in the deposit. The landlords lobby protested that it would involve too much paperwork over too little money-less than $10 a year on a $1,000 deposit, at current rates. On Wednesday, the sponsor dropped the interest section to increase the chance of passage.
Even in its amended form, AB 2330 is , like SB 1403 , vitally important for tenants and should be made state law.
36. We learn form the passage that SB1403 will benefit _______.
A) long-term real estate investors
B) short-term tenants in Sacramento
C) landlords in the State of California
D) tenants renting a house over a year
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37. A 60-day notice before eviction may not be early enough for renters because _______.
A) moving house is something difficult to arrange
B) appropriate housing may not be readily available
C) more time is needed for their kids‘ school registration
D) the furnishing of the new house often takes a long time
38. Very often landlords don‘t return tenants‘ deposits on the pretext that _______.
A) their rent has not been paid in time
B) there has been ordinary wear and tear
C) tenants have done damage to the house
D) the 30-day notice for moving out is over
39. Why did the sponsor of the AB 2330 bill finally give in on the interest section?
A) To put an end to a lengthy argument.
B) To urge landlords to lobby for its passage.
C) To cut down the heavy paperwork for its easy passage.
D) To make it easier for the State Assembly to pass the bill.
40. It can be learned from the passage that ________.
A) both bills are likely to be made state laws
B) neither bill will pass through the Assembly
C) AB 2330 stands a better chance of passage
D) Sacramento and San Jose support SB 1403
6.C 2
7. B 2
8. C 2
9. B 30. D 31. C32. A33. D34. A35. B36. D37. B38. C39. D40. A
For questions 5-10, complete the sentences with the information given in the passage.
Seven Steps to a More Fulfilling Job
Many people today find themselves in unfulfilling work situations. In fact, one in four workers is dissatisfied with their current job, according to the recent ―Plans for 2004‖ survey. Their career path may be financially rewarding, but it doesn‘t meet their emotional, social or creative needs. They‘re stuck, unhappy, and have no idea what to do about it, except move to another job.
Mary Lyn Miller, veteran career consultant and founder of the Life and Career Clinic, says that when most people are unhappy about their work, their first thought is to get a different job. Instead, Miller suggests looking at the possibility of a different life. Through her book, 8 Myths of Making a Living, as well as workshops, seminars and personal coaching and consulting, she has helped thousands of dissatisfied workers reassess life and work.
Like the way of Zen, which includes understanding of oneself as one really is, Miller encourages job seekers and those dissatisfied with work or life to examine their beliefs about work and recognize that ―in many cases your beliefs are what brought you to where you are today.‖ You may have been raised to think that women were b est at nurturing and caring and, therefore, should be teachers and nurses. So that‘s what you did. Or, perhaps you were brought up to believe that you should do what your father did, so you have taken over the family business, or become a dentist ―just like dad.‖ If this sounds familiar, it‘s probably time to look at the new possibilities for your future.
Miller developed a 7-step process to help potential job seekers assess their current situation and beliefs, identify their real passion, and start on a journey that allows them to pursue their passion through work.
Step 1: Willingness to do something different.
Breaking the cycle of doing what you have always done is one of the most difficult tasks for job seekers. Many find it difficult to steer away from a career path or make a change, even if it doesn‘t feel right. Miller urges job seekers to open their minds to other possibilities beyond what they are currently doing.
Step 2: Commitment to being who you are, not who or what someone wants you to be.
Look at the \gifts and talents you have and make a commitment to pursue those things that you love most. If you love the social aspects of your job, but are stuck inside an office or ―chained to your desk‖ most of the time, vow to follow your instinct and investigate alternative careers and work that allow you more time to interact with others.
10 Dawn worked as a manager for a large retail clothing store for several years. Though she had advanced within the company, she felt frustrated and longed to be involved with nature and the outdoors. She decided to go to school nights and weekends to pursue her true passion by earning her master‘s degree in forestry. She now works in the biotech forestry division of a major paper company.
Step 3: Self-definition
Miller sugge sts that once job seekers know who they are, they need to know how to sell themselves. ―In the job market, you are a product. And just like a product, you most know the features and benefits that you have to offer a potential client, or employer.‖ Examine the skills and knowledge that you have identify how they can apply to your desired occupation. Your qualities will exhibit to employers why they should hire you over other candidates. Step 4: Attain a level of self-honoring.
Self-honoring or self-love may seem like an odd step for job hunters, but being able to accept yourself, without judgment, helps eliminate insecurities and will make you more self-assured. By accepting who you are – all your emotions, hopes and dreams, your personality, and your unique way of being – you‘ll project more confidence when networking and talking with potential employers. The power of self-honoring can help to break all the
falsehoods you were programmed to believe – those that made you feel that you were not good enough, or strong enough, or intelligent enough to do what you truly desire.
Step 5: Vision.
Miller suggests that job seekers develop a vision that embraces the answer to ―What do I really want to do?‖ one should create a solid statement in a dozen or so sentences that describe in detail how they see their life related to work. For instance, the secretary who longs to be an actress describes a life that allows her to express her love of Shakespeare on stage. A real estate agent, attracted to his current job because her loves fixing up old homes, describes buying properties that need a little tender loving care to make them more saleable.
Step 6: Appropriate risk.
Some philosophers believe that the way to enlightenment comes through facing obstacles and difficulties. Once people discover their passion, many are too scared to do anything about it. Instead, they do nothing. With this step, job seekers should assess what they are willing to give up, or risk, in pursuit of their dream. For one working mom, that meant taking night classes to learn new computer-aided design skills, while still earning a salary and keeping her day job. For someone else, it may mean quitting his or her job, taking out loan and going back to school full time. You‘ll move one step closer to your id eal work life if you identify how much risk you are willing to take and the sacrifices you are willing to make.
Step 7: Action.
Some teachers of philosophy describe action in this way, ―If one wants to get to the top of a mountain, just sitting at the foot thinking about it will not bring one there. It is by making the effort of climbing up the mountain, step by step, that eventually the summit is reached.‖ All too often, it is the lack of action that ultimately holds people back from attaining their ideals. Creating a plan and taking it one step at a time can lead to new and different job opportunities. Job-hunting tasks gain added meaning as you sense their importance in your quest for a more meaningful work life. The plan can include researching industries and occupations, talking to people who are in your desired area of work, taking classes, or accepting volunteer work in your targeted field.
Each of these steps will lead you on a journey to a happier and more rewarding work life. After all, it is the journey, not the destination, that is most important.
注意：此部分试题请在答题卡1上作答。
1. According to the recent ―Plans for 2004‖ survey, most people are unhappy with their current jobs.
2. Mary Lyn Miller‘s job is to advise people on their life and career.
3. Mary Lyn Miller herself was once quite dissatisfied with her own work.
4. Many people find it difficult to make up their minds whether to change their career path.
5. According to Mary Lyn Miller, people considering changing their careers should commit themselves to the pursuit of ________.
6. In the job market, job seekers need to know how to sell themselves like ________.
7. During an interview with potential employers, self-honoring or self-love may help a job seeker to show
11 ________.
8. Mary Lyn Miller suggests that a job seeker develop a vision that answers the question ―________‖
9. Many people are too scared to pursue their dreams because they are unwilling to ________.
10. What ultimately holds people back from attaining their ideals is ________.
Google is a world-famous company, with its headquarters in Mountain View, California. It was set up in a Silicon Valley garage in 1998, and inflated (膨胀) with the Internet bubble. Even when everything around it collapsed the company kept on inflating. Google‘s search engine is so widespread across the world that search became Google, and google became a verb. The world fell in love with the effective, fascinatingly fast technology.
Google owes much of its success to the brilliance of S. Brin and L. Page, but also to a series of fortunate events. It was Page who, at Stanford in 1996, initiated the academic project that eventually became Google‘s search e ngine. Brin, who had met Page at a student orientation a year earlier, joined the project early on. They were both Ph.D. candidates when they devised the search engine which was better than the rest and, without any marketing, spread by word of mouth from early adopters to, eventually, your grandmother.
Their breakthrough, simply put, was that when their search engine crawled the Web, it did more than just look for word matches, it also tallied (统计) and ranked a host of other critical factors like how websites link to one another. That delivered far better results than anything else. Brin and Page meant to name their creation Googol (the mathematical term for the number 1 followed by 100 zeroes), but someone misspelled the word so it stuck as Google. They raised money from prescient (有先见之明的) professors and venture capitalists, and moved off
campus to turn Google into business. Perhaps their biggest stroke of luck came early on when they tried to sell their technology to other search engines, but no one met their price, and they built it up on their own.
The next breakthrough came in 2000, when Google figured out how to make money with its invention. It had lots of users, but almost no one was paying. The solution turned out to be advertising, and it‘s not an exaggeration to say that Goo gle is now essentially an advertising company, given that that‘s the source of nearly all its revenue. Today it is a giant advertising company, worth $100 billion.
注意：此部分试题请在答题卡2上作答。
47. Apart from a series of fortunate events, what is it that has made Google so successful?
48. Google‘s search engine originated from ________ started by L. Page.
49. How did Google‘s search engine spread all over the world?
50. Brin and Page decided to set up their own business because no one would ________.
51. The revenue of the Google company is largely generated from ________.
Questions 52 to 56 are based on the following passage.
You hear the refrain all the time: the U.S. economy looks good statistically, but it doesn‘t feel good. Why doesn‘t ever-greater wealth promote ever-greater happiness? It is a question that dates at least to the appearance in 1958 of The Affluent (富裕的) Society by John Kenneth Galbraith, who died recently at 97.
The Affluent Society is a modern classic because it helped define a new moment in the human condition. For most of history, ―hunger, sickness, and cold‖ threatened nearly everyone, Galbraith wrote. ―Poverty was found
everywhere in that world. Obviously it is not of ours.‖ After World War II, the dread of another Great Depression gave way to an economic boom. In the 1930s unemployment had averaged 18.2 percent; in the 1950s it was 4.5 percent.
To Galbraith, materialism had gone mad and would breed discontent. Through advertising, companies conditioned consumers to buy things they didn‘t really want or need. Because so much spending was artificial, it would be unfulfilling. Meanwhile, government spending that would make everyone better off was being cut down because people instinctively —and wrongly —labeled government only as ―a necessary evil.‖
It‘s often said that only the rich are getting ahead; everyone else is standing still or falling behin d. Well, there are many undeserving rich —overpaid chief executives, for instance. But over any meaningful period, most people‘s incomes are increasing. From 1995 to 2004, inflation-adjusted average family income rose 14.3 percent, to $43,200. people feel ―squeezed‖ because their rising incomes often don‘t satisfy their rising wants—for bigger homes, more health care, more education, faster Internet connections.
12 The other great frustration is that it has not eliminated insecurity. People regard job stability as part of their standard of living. As corporate layoffs increased, that part has eroded. More workers fear they‘ve become ―the disposable American,‖ as Louis Uchitelle puts it in his book by the same name.
Because so much previous suffering and social conflict stemmed from poverty, the arrival of widespread affluence suggested utopian (乌托邦式的) possibilities. Up to a point, affluence succeeds. There is much les physical misery than before. People are better off. Unfortunately, affluence also creates new complaints and contradictions. Advanced societies need economic growth to satisfy the multiplying wants of their citizens. But the quest for growth lets loose new anxieties and economic conflicts that disturb the social order. Affluence liberates the individual, promising that everyone can choose a unique way to self-fulfillment. But the promise is so extravagant that it predestines many disappointments and sometimes inspires choices that have anti-social consequences,
including family breakdown and obesity (肥胖症). Statistical indicators of happiness have not risen with incomes. Should we be surprised? Not really. We‘ve simply reaffirmed an old truth: the pursuit of affluence does not always end with happiness.
52. What question does John Kenneth Galbraith raise in his book The Affluent Society?
A) Why statistics don‘t tell the truth about the economy.
B) Why affluence doesn‘t guarantee happiness.
C) How happiness can be promoted today.
D) What lies behind an economic boom.
53. According to Galbraith, people feel discontented because ________.
A) public spending hasn‘t been cut down as expected
B) the government has proved to be a necessary evil
C) they are in fear of another Great Depression
D) materialism has run wild in modern society
54. Why do people feel squeezed when their average income rises considerably?
A) Their material pursuits have gone far ahead of their earnings.
B) Their purchasing power has dropped markedly with inflation.
C) The distribution of wealth is uneven between the r5ich and the poor.
D) Health care and educational cost have somehow gone out of control.（A ）
55. What does Louis Uchitelle mean by ―the disposable American‖ (Line 3, Para. 5)?
A) Those who see job stability as part of their living standard.
B) People full of utopian ideas resulting from affluence.
C) People who have little say in American politics.
D) Workers who no longer have secure jobs.（D ）
56. What has affluence brought to American society?
A) Renewed economic security.
B) A sense of self-fulfillment.
C) New conflicts and complaints.
D) Misery and anti-social behavior.（C ）
Passage Two
Questions 57 to 61 are based on the following passage.
The use of deferential (敬重的) language is symbolic of the Confucian ideal of the woman, which dominates conservative gender norms in Japan. This ideal presents a woman who withdraws quietly to the background,
subordinating her life and needs to those of her family and its male head. She is a dutiful daughter, wife, and mother, master of the domestic arts. The typical refined Japanese woman excels in modesty and delicacy; she ―treads softly (谨言慎行)in the wor ld,‖ elevating feminine beauty and grace to an art form.
Nowadays, it is commonly observed that young women are not conforming to the feminine linguistic (语言的) ideal. They are using fewer of the very deferential ―women‘s‖ forms, and even using the few stro ng forms that are know as ―men‘s.‖ This, of course, attracts considerable attention and has led to an outcry in the Japanese media against
13 the defeminization of women‘s language. Indeed, we didn‘t hear about ―men‘s language‖ until people began to
respond t o girls‘ appropriation of forms normally reserved for boys and men. There is considerable sentiment about the ―corruption‖ of women‘s language—which of course is viewed as part of the loss of feminine ideals and
morality —and this sentiment is crystallized by nationwide opinion polls that are regularly carried out by the media. Yoshiko Matsumoto has argued that young women probably never used as many of the highly deferential forms as older women. This highly polite style is no doubt something that young wom en have been expected to ―grow
into‖—after all, it is assign not simply of femininity, but of maturity and refinement, and its use could be taken to indicate a change in the nature of one‘s social relations as well. One might well imagine little girls usin g exceedingly polite forms when playing house or imitating older women —in a fashion analogous to little girls‘ use of a high-pitched voice to do ―teacher talk‖ or ―mother talk‖ in role play.
The fact that young Japanese women are using less deferential language is a sure sign of change —of social change and of linguistic change. But it is most certainly not a sign of the ―masculization‖ of girls. In some instances, it may be a sign that girls are making the same claim to authority as boys and men, but that is very different from saying that they are trying to be ―masculine.‖ Katsue Reynolds has argued that girls nowadays are using more assertive language strategies in order to be able to compete with boys in schools and out. Social change also brings not simply different positions for women and girls, but different relations to life stages, and adolescent girls are participating in new subcultural forms. Thus what may, to an older speaker, seem like ―masculine‖ speech may seem to an adolescent like ―liberated‖ or ―hip‖ speech.
57. The first paragraph describes in detail ________.
A) the standards set for contemporary Japanese women
B) the Confucian influence on gender norms in Japan
C) the stereotyped role of women in Japanese families
D) the norms for traditional Japanese women to follow （B ）
58. What change has been observed in today‘s young Japanese women?
A) They pay less attention to their linguistic behavior.
B) The use fewer of the deferential linguistic forms.
C) They confuse male and female forms of language.
D) They employ very strong linguistic expressions.（B ）
59. How do some people react to women‘s appropriation of men‘s language forms as reported in the Japanese media?
A) They call for a campaign to stop the defeminization.
B) The see it as an expression of women‘s sentiment.
C) They accept it as a modern trend.
D) They express strong disapproval.（D ）
60. According to Yoshiko Matsumoto, the linguistic behavior observed in today‘s young women ________.
A) may lead to changes in social relations
B) has been true of all past generations
C) is viewed as a sign of their maturity
D) is a result of rapid social progress （A ）
61. The author believes that the use of assertive language by young Japanese women is ________.
A) a sure sign of their defeminization and maturation
B) an indication of their defiance against social change
C) one of their strategies to compete in a male-dominated society
D) an inevitable trend of linguistic development in Japan today （C ）
1. N
2. Y
3. NG
4. Y
5. those things that they love most
6.
Products 7. more confidence 8. What do I really want to do? 9. give up, or risk 10. the lack of action
47. The brilliance of S. Brin and L. Page
48. the academic project
14
49. By word of mouth
50. meet their price
51. advertising
52. B) Why affluence doesn’t guarantee happiness?
53. D) materialism has run wild in modern society
54. A) Their material pursuits have gone far ahead of their earnings.
55. D) Workers who no longer have secure jobs
56. C) New conflicts and complaints
57. B) the Confucian influence on gender norms in Japan
58. B) They use fewer of the deferential linguistic form
59. D) They express strong disapproval
60. A) may lead to changes in social relations
61. C) one of their strategies to compete in a male-dominated society Seven Ways to Save the World
Forget the old idea that conserving energy is a form of self-denial — riding bicycles, dimming the lights, and taking fewer showers. These days conservation is all about efficiency: getting the same — or better — results from just a fraction of the energy. When a slump in business travel forced Ulrich Rǒmer to cut cost costs at his family-owned hotel in Germany, he replaced hundreds of the hotel‘s wasteful light bulbs, ge tting the same light for 80 percent less power. He bought a new water boiler with a digitally controlled pump, and wrapped insulation around the pipes. Spending about € 100,000 on these and other improvements, he slashed his € 90,000 fuel and power bill by € 60,000. As a bonus, the hotel‘s lower energy needs have reduced its annual carbon emissions by more than 200 metric tons. ―For us, saving energy has been very, very profitable,‖ he says. ―And most importantly, we‘re not giving up a single comfort for our guests.‖
Efficiency is also a great way to lower carbon emissions and help slow global warming. But the best argument for efficiency is its cost — or, more precisely, its profitability. That‘s because quickly growing energy demand requires immense investment in new supply, not to mention the drain of rising energy prices.
No wonder efficiency has moved to the top of the political agenda. On Jan. 10, the European Union unveiled a plan to cut energy use across the continent by 20 percent by 2020. Last March, China imposed a 20 percent increase in energy efficiency by 2020. Even George W. Bush, the Texas oilman, is expected to talk about energy conversation in his State of the Union speech this week.
The good news is that the world is full of proven, cheap ways to save energy. Here are the seven that could have the biggest impact:
Insulate
Space heating and cooling eats up 36 percent of all the world‘s energy. There‘s virtually no limit to how much of that can be saved, as prototype ―zero -energ y homes‖ in Switzerland and Germany have shown. There‘s been a surge in new ways of keeping heat in and cold out (or vice versa). The most advanced insulation follows the law of increasing returns: if you add enough, you can scale down or even eliminate heating and air-conditioning equipment, lowering costs even before you start saving on utility bills. Studies have shown that green workplaces (ones that don‘t constantly need to have the heat or air -conditioner running) have higher worker productivity and lower sick rates.
Change Bulbs
Lighting eats up 20 percent of the world‘s electricity, or the equivalent of roughly 600,000 tons of coal a day. Forty percent of that powers old-fashioned incandescent light bulbs — a 19th-century technology that wastes most of the power it consumes on unwanted heat.
Compact fluorescent lamps, or CFLs, not only use 75 to 80 percent less electricity than incandescent bulbs to generate the same amount of light, but they also last 10 times longer. Phasing old bulbs out by 2030 would save the output of 650 power plants and avoid the release of 700 million tons of carbon into the atmosphere each year. Comfort Zone
Water boilers, space heaters and air conditioners have been notoriously inefficient. The heat pump has altered
15 that equation. It removes heat from the air outside or the ground below and uses it to supply heat to a building or its water supply. In the summer, the system can be reversed to cool building as well.
Most new residential buildings in Sweden are already heated with ground-source heat pumps. Such systems consume almost no conventional fuel at all. Several countries have used subsidies to jump-start the market, including Japan, where almost 1 million heat pumps have been installed in the past two years to heat water for showers and hot tubs.
Remake Factories
From steel mills to paper factories, industry eats up about a third of the world‘s energy. The opportunities to save are vast. In Ludwigshafen, German chemicals giant BASF runs an interconnected complex of more than 200 chemical factories, where heat produced by one chemical process is used to power the next. At the Ludwigshafen site alone, such recycling of heat and energy saves the company € 200 million a year and almost half its CO 2 emissions. Now BASF is doing the same for new plants in China. ―Optimizing (优化) energy efficiency is a decisive competitive advantage, ‖ says BASF CEO Jǔrgen Hambrecht.
Green Driving
A quarter of the world‘s energy — including two thirds of the annual production of oil — is used for transportation. Some savings come free of charge: you can boost fuel efficiency by 6 percent simply by keeping your car‘s tires properly inflated (充气). Gasoline-electric hybrid (混合型) models like the Toyota Prius improve mileage by a further 20 percent over conventional models.
A Better Fridge
More than half of all residential power goes into running household appliances ，producing a fifth of the world‘s carbon emissions. And that‘s true even though manufacturers have already hiked the efficiency of refrigerators and other white goods by as much as 70 percent since the 1980s. According to an International Energy Agency study, if consumers chose those models that would save them the most money over the life of the appliance, they‘d cut global residential power consumption and their utility bills by 43 percent.
Flexible Payment
Who says you have to pay for all your conservation investment ？―Energy service contractors‖ will pay for retrofitting (翻折改造) in return for a share of the client‘s annual utility -bill savings. In Beijing, Shenwu Thermal Energy Technology Co. specializes in retrofitting China‘s steel furnaces. Shenwu puts up the initial investment to install a heat exchanger that preheats the air going into the furnace ，slashing the client‘s fuel costs . Shenwu pockets a cut of those savings, so both Shenwu and the client profit.
If saving energy is so easy and profitable, why isn‘t everyone doing it? It has to do with psychology and a lack of information. Most of us tend to look at today‘s price tag more than tomorrow‘s potential savings. That holds double for the landl ord or developer, who won‘t actually see a penny of the savings his investment in better insulation or a better heating system might generate. In many people‘s minds, conservation is still associated with self-denial. Many environmentalists still push that view.
Smart governments can help push the market in the right direction. The EU‘s 1994 law on labeling was such a success that it extended the same idea to entire buildings last year. To boost the market value of efficiency, all new buildings are required to have an ―energy pass‖ detailing power and heating consumption. Countries like Japan and Germany have successively tightened building codes, requiring an increase in insulation levels but leaving it up to builders to decide how to meet them.
The most powerful incentives, of course, will come from the market itself. Over the past year, sky-high fuel prices have focused minds on efficiency like never before. Ever-increasing pressure to cut costs has finally forced more companies to do some math on their energy use.
Will it be enough? With global demand and emissions rising so fast, we may not have any choice but to try. Efficient technology is here now, proven and cheap. Compared with all other options, it‘s the biggest, easiest and most profitable bang for the buck.
1. What is said to be the best way to conserve energy nowadays?
[A] Raising efficiently. [B] Cutting unnecessary costs.
[C] Finding alternative resources [D] Sacrificing some personal comforts.
16
2. What does the European Union plan to do?
[A] Diversify energy supply. [B] Cut energy consumption.
[C] Reduce carbon emissions. [D] Raise production efficiency.
3. If you add enough insulation to your house, you may be able to _______.
[A] improve your work environment [B] cut your utility bills by half.
[C] get rid of air-conditioners [D] enjoy much better health
4. How much of the power consumed by incandescent bulbs is converted into light?
[A] A small portion. [B] Some 40 percent [C] Almost half. [D] 75 to 80 percent.
5. Some countries have tired to jump-start the market of heat pumps by_________.
[A] upgrading the equipment [B] encouraging investments
[C] implementing high-tech [D] providing subsidies
6. German chemicals giant BASF saves € 200 million a year by_________.
[A] recycling heat and energy [B] setting up factories in China
[C] using the newest technology [D] reducing the CO 2 emissions of its plants
7. Global residential power consumption can be cut by 43 percent if________.
[A] we increase the insulation of walls and water pipes
[B] we choose simpler models of electrical appliances
[C] we cut down on the use of refrigerators and other white goods
[D] we choose the most efficient models of refrigerators and other white goods
8. Energy service contractors profit by taking a part of clients‘__________.
9. Many environmentalists maintain the view that conservation has much to do with___________.
10. The strongest incentive energy conservation will drive from_____________.
Questions 47 to 51 are based on the following passage.
Men, these days, are embracing fatherhood with the round-the-clock involvement their partners have always dreamed of — handling night feedings, packing lunches and bandaging knees. But unlike women, many find they ‘re negotiating their new roles with little support or information. ―Men in my generation (aged 25-40) have a fear of becoming dads because we have no role models,‖ says Jon Smith, a writer. They often find themselves excluded from mothers ‘ support networks, and are eyed warily (警觉地) on the playground.
The challenge is particularly evident in the work-place. There, men are still expected to be
breadwinners climbing the corporate ladder: traditionally-minded bosses are often unsympathetic to family needs. In Denmark most new fathers only take two weeks of paternity leave (父亲的陪产假) — even though they are allowed 34 days. As much as if not more so than women, fathers struggle to be taken seriously when they request flexible arrangements.
Though Wilfried-Fritz Maring, 54, a data-bank and Internet specialist with German firm FIZ
Karlsruhe, feels that the time he spends with his daughter outweighs any disadvantages, he admits, ―With my decision to work from home I dismissed any opportunity for promotion.‖
Mind-sets (思维定势) are changing gradually. When Maring had a daughter, the company equipped him with a home office and allowed him to choose a job that could be performed from there. Danish telecom company TDC initiated an internal campaign last year to encourage dads to
take paternity leave: 97 percent now do. ―When an employee goes on paternity leave and is with his kids, he gets a new kind of training: in how to keep cool under stress.‖ says spokesperson Christine Elberg Holm. For a new generation of dads, kids may come before the company － but it‘s a shift that benefits both.
47. Unlike women, men often get little support or information from .
48. Besides supporting the family, men were also expected to .
49. Like women, men hope that their desire for a flexible schedule will be .
50. When Maring was on paternity leave, he was allowed by his company to work .
51. Christine Holm believes paternity leave provides a new kind of training for men in that it can help them cope
with .
17
Questions 52 to 56 are based on the following passage.
Like most people, I‘ve long understood that I will be judged by my occupation, that my profession is a gauge people use to see how smart or talented I am. Recently, however, I was disappointed to see that it also decides how I‘m treated as a person.
Last year I left a professional position as a small-town reporter and took a job waiting tables. As someone paid to serve food to people. I had customers say and do things to me I suspect they‘d never say or do to their most casual acquaintances. One night a man talking on his cell phone waved me away, then beckoned (示意) me back with his finger minute later, complaining he was ready to order and asking where I‘d been. I had waited tables during summers in college and was treated like a peon (勤杂工) plenty of people. But at 19 years old, I believed I deserved inferior treatment from professional adults. Besides, people responded to me differently after I told them I was in college. Customers would joke that one day I‘d be sitting at their table, waiting to be served.
Once I graduated I took a job at a community newspaper. From my first day, I heard a respectful tone from everyone who called me. I assumed this was the way the professional world worked — cordially.
I soon found out differently. I sat several feet away from an advertising sales representative with a similar name. Our calls would often get mixed up and someone asking for Kristen would be transferred to Christie. The mistake was immediately evident. Perhaps it was because money was involved, but people used a tone with Kristen that they never used with me.
My job title made people treat me with courtesy. So it was a shock to return to the restaurant industry.
It‘s no secret that there‘s a lot to put up with when waiting tables, and fortunately, much of it can be easily forgotten when you pocket the tips. The ser vice industry, by definition, exists to cater to others‘ needs. Still, it seemed that many of my customers didn‘t get the difference between server and servant.
I‘m now applying to graduated school, which means someday I‘ll return to a profession where peo ple need to be nice to me in order to get what they want, I think I‘ll take them to dinner first, and see how they treat someone whose only job is to serve them.
52. The author was disappointed to find that _______.
[A] one‘s position is used as a gauge to measure one‘s intelligence
[B] talented people like her should fail to get a respectable job
[C] one‘s occupation affects the way one is treated as a person
[D] professionals tend to look down upon manual workers
53. What does the author intend to say by the example in the second paragraph?
[A] Some customers simply show no respect to those who serve them.
[B] People absorbed in a phone conversation tend to be absent-minded.
[C] Waitresses are often treated by customers as casual acquaintances.
[D] Some customers like to make loud complaints for no reason at all.
54. How did the author feel when waiting tables at the age of 19?
[A] She felt it unfair to be treated as a mere servant by professional.
[B] She felt badly hurt when her customers regarded her as a peon.
[C] She was embarrassed each time her customers joked with her.
[D] She found it natural for professionals to treat her as inferior.
55. What does the author imply by saying “…many of my customers didn’t get the difference between server
and servan t”(Lines 3-4, Para.7)?
[A] Those who cater to others‘ needs are destined to be looked down upon.
[B] Those working in the service industry shouldn‘t be treated as servants.
[C] Those serving others have to put up with rough treatment to earn a living.
[D] The majority of customers tend to look on a servant as server nowadays.
56. The author says she’ll one day take her clients to dinner in order to ________.
[A] see what kind of person they are
[B] experience the feeling of being served
18 [C] show her generosity towards people inferior to her
[D] arouse their sympathy for people living a humble life
Passage Two
Questions 57 to 61 are based on the following passage.
What‘s hot for 2007 among the very rich? A $7.3million diamond ring. A trip to Tanzania to hunt wild animals. Oh, and income inequality.
Sure, some leftish billionaires like George Soros have been railing against income inequality for years. But increasingly, centrist and right-wing billionaires are staring to worry about income inequality and the fate of the middle class.
In December, Mortimer Zuckerman wrote a column in U.S. News & World Report, which he owns. ―our nation‘s core bargain with the middle class is disintegrating,‖ lamented (哀叹) the 117th -richest man in America. ―Most of our economic ga ins have gone to people at the very top of the income ladder. Average income for a household of people of wor king age, by contrast, has fallen five years in a raw.‖ He noted that ―Tens of millions of Americans live in fear that a major health problem can reduce them to bankrupt cy.‖
Wilbur Ross Jr. has echoed Zuckerman‘s anger over the bitter struggles faced by middle -class Americans. ―It‘s an outrage that any American‘s life expectancy should be shortened simply because the company they worked for went bankrupt and ended health-care coverage,‖ said the former chairman of the International Steel Group.
What‘s happening? The very rich are just as trendy as you and I, and can be so when it comes to politics and policy. Given the recent change of control in Congress, the popularity of measures like increasing the minimum wage, and efforts by Ca lifornia‘s governor to offer universal health care, these guys don‘t need their own personal weathermen to know which way the wind blows.
It‘s possible that plutocrats (有钱有势的人) are expressing solidarity with the struggling middle class as part of an effort to insulate themselves from confiscatory (没收性的) tax policies. But the prospect that income inequality will lead to higher taxes on the wealthy doesn‘t keep plutocrats up at night. They can live with that.
No, what they fear was that the political challenges of sustaining support for global economic integration will be more difficult in the United States because of what has happened to the distribution of income and economic insecurity.
In other words, if middle-class Americans continue to struggle financially as the ultrawealthy grow ever wealthier, it will be increasingly difficult to maintain political support for the free flow of goods, services, and capital across borders. And when the United States places obstacles in the way of foreign investors and foreign goods, it‘s likely to encourage reciprocal action abroad. For people who buy and sell companies, or who allocate capital to markets all around the world, that‘s the real nightmare.
57. What is the current topic of common interest among the very rich in America?
[A] The fate of the ultrawealthy people.
[B] The disintegration of the middle class.
[C] The inequality in the distribution of wealth.
[D] The conflict between the left and the right wing.
58. What do we learn from Mortimer Zuckerman’s lamentation?
[A] Many middle-income families have failed to make a bargain for better welfare.
[B] The American economic system has caused companies to go bankrupt.
[C] The American nation is becoming more and more divided despite its wealth.
[D] The majority of Americans benefit little from the nation‘s growing wealt h.
59. From the fifth paragraph we can learn that ________.
[A] the very rich are fashion-conscious
[B] the very rich are politically sensitive
[C] universal health care is to be implemented throughout America
[D] Congress has gained popularity by increasing the minimum wage
60. What is the real reason for plutocrats to express solidarity with the middle class?
[A] They want to protect themselves from confiscatory taxation.
19 [B] They know that the middle class contributes most to society.
[C] They want to gain support for global economic integration.
[D] They feel increasingly threatened by economic insecurity.
61. What may happen if the United States places obstacles in the way of foreign investors and foreign goods?
[A] The prices of imported goods will inevitably soar beyond control.
[B] The investors will have to make great efforts to re-allocate capital.
[C] The wealthy will attempt to buy foreign companies across borders.
[D]. Foreign countries will place the same economic barriers in return. 1 A) Raising efficiency
2 B) Cut energy consumption
3 C) Get rid of air-conditioners
4 A) A small proportion (新东方选B) Some forty percent 错)
5 D) Providing subsidies
6 A) Recycling heat and energy
7 D) We choose the most efficient models of refrigerators and other white goods
8 annual utility-bill savings.
9 self-denial.
10 the market itself.
47 from mother ’s support network.
48 climb the corporate ladder.
49 taken seriously.
50 at home. / in a home office
51 stress.
阅读Section B
52 C One ’s occupationaffects the way one is treated as a person.
53 A Some customers simply show no respect to those who serve them.
54 D She found it natural for professionals to treat her as inferior.
55 B Those working in the service industry shouldn ’t be treated as servants.
56 A See what kind of person they are.
57 C The inequality in the distribution of wealth.
58 C The American nation is becoming more and more divided despite its wealth
59 B The very rich are politically sensitive.
60 C They want to gain support for global economics ’ integration.
61 D Foreign countries will place the same economic barriers in return.
What will the world be like in fifty years?
This week some top scientists, including Nobel Prize winners, gave their vision of how the world will look in 2056,fron gas-powered cars to extraordinary health advances, John Ingham reports on what the world‘s finest minds believe our futures will be.
For those of us lucky enough to live that long,2056 will be a world of almost perpetual youth, where obesity is a remote memory and robots become our companions.
We will be rubbing shoulders with aliens and colonizing outer space. Better still, our descendants might at last live in a world at peace with itself.
The prediction is that we will have found a source of inexbaustible, safe, green energy, and that science will have killed off religion. If they are right we will have removed two of the main causes of war-our dependence on oil and religious prejudice.
Will we really, a s today‘s scientists claim, be able to live for ever or at least cheat the ageing process so that the average person lives to 150?
Of course, all these predictions come with a scientific health warning. Harvard professor Steven Pinker says: ―This
20 is an invitation to look foolish, as with the predictions of domed cities and nuclear-powered vacuum cleaners that were made 50 year ago.‖
Living longer
Anthony Atala, director of the Wake Forest Institute in North Carolina, belives failing organs will be repaired by injecting cells into the body. They will naturally to straight to the injury and help heal it. A system of injections without needles could also slow the ageing process by using the same process to ―tune‖ cells.
Bruce Lahn, professor of human genetics a t the University of Chicago, anticipates the ability to produce―unlimited supplies‖ of transplantable human organs without the needed a new organ, such as kidney, the surgeon would contact a commercial organ producer, give him the patient‘s immuno -logical profile and would then be sent a kidney with the correct tissue type.
These organs would be entirely composed of human cells, grown by introducing them into animal hosts, and alloweing them to deveoop into and organ in place of the animal‘s own. But Prof. Lahn believes that farmed brains would be ―off limits‖.He says: ―Very few people would want to have their brains replaced by someone else‘s and we probably don‘t want to put a human brain ing an animal body.‖
Richard Miller, a professor at the University o f Michigan, thinks scientist could develop―an thentic anti -ageing drugs‖ by working out how cells in larger animals such as whales and human resist many forms of injuries. He says:―It‘s is now routine, in laboratory mammals, to extend lifespan by about 40%. Turning on the same protective systems in people should, by 2056, create the first class of 100-year-olds who are as vigorous and productive as today‘s people in their 60s‖
Aliens
Conlin Pillinger ,professor of planerary sciences at the Open University,s ays:‖I fancy that at least we will be able to show that life didi start to evolve on Mars well as Earth.‖Within 50years he hopes scientists will prove that alien life came here in Martian meteorites(陨石).
Chris McKay,a planetary scientist at NASA‘s Ames Research Center.believes that in 50 years we may find evidence of alien life in ancient permanent forst of Mars or on other planers.
He adds:‖There is even a chance we will find alien life forms here on Earth.It mightbe as different as English is to Chinese.
Priceton professor Freeman Dyson thinks it ―likely‖ that life form outer space will be discovered defore 2056 because the tools for finding it, such as optical and radio detection and data processing,are improving.
He ays:‖As soon as the first evidence is found,we will know what to look for and additional discoveries are likely to follow quickly.Such discoveries are likely to have revolutionary consequences for biology, astronomy and philosophy. They may change the way we look at ourselves and our place in the universe.
Colonies in space
Richard Gottprofessor of astrophysics at Princeton,hopes man will set up a self-sufficient colony on Mars,which w ould be a ―life insurance policy against whatever catastrophes,natural or otherwise,might occur on Earth.
―The real space race is whether we will colonise off Earth on to other worlds before money for the space programme runs out.‖
Spinal injuries
Ellen Heber-Katz,a professor at the Wistar Institude in Philadelphia,foresees cures for inijuries causing paralysis such as the one that afflicated Superman star Christopher Reeve.
She says:‖I believe that the day is not far off when we will be able to profescribe drugs that cause severes(断裂的) spinal cords to heal,hearts to regenerate and lost limbs to regrow.
―People will come to expect that injured or diseased organs are meant to be repaired from within,inmuch the same way that we fix an appliance or automobile:by replancing the damaged part with a manufacturer-certified new part.‖She predict that within 5 to 10 years fingers and toes will be regrown and limbs will start to be regrown a few years later. Reparies to the nervous system will start with optic nerves a nd,in time,the spinal cord.‖Within 50years whole body replacement will be routine,‖Prof.Heber -Katz adds.
Obesity
Sydney Brenner,senior distinguished fellow of the Crick-Jacobs Center in California,won the 2002 Noblel Prize for
银行招聘考试题库 2015年交通银行招聘试题及答案 1.按复利计算，年利率为5%的100 元贷款，经过两年后产生的利息是： A 5 元 B 10 元 C 10.25 元 D 20 元(答案：C ) 2. 我国人民币的主币是： A 元 B 角 C 分 D 厘(答案：A ) 3. 香港联系汇率制度是将香港本地货币与哪种货币挂钩？ A 英镑 B 日元 C 美元 D 欧元(答案：C ) 4. 以下关于汇率的说法中错误的是： A 汇率是两种货币之间的相对价格 B 汇率的直接标价法可以表示为1 单位外币等于多少本币 C 我国的汇率报价一般采用直接标价法 D 我国的汇率报价一般采用间接标价法 (答案：D ) 5.我国的三家政策性银行是： A 中国人民银行国家开发银行中国农业发展银行 B 中国进出口银行国家开发银行中国农业发展银行 C 国家开发银行中国农业银行中国进出口银行
D 中国农业发展银行国家开发银行中国邮政储蓄银行 (答案：B ) 6. 下列哪一项不属于商业银行的“三性”原则？ A 安全性 B 流动性 C 盈利性 D 政策性 (答案：D ) 7. 以下不属于金融衍生品的是： A 股票 B 远期 C 期货 D 期权 (答案：A ) 8. 下列哪家机构不属于我国成立的金融资产管理公司？ A 东方 B 信达 C 华融 D 光大 (答案：D ) 9. 我国于2003 年初组建的银行业监管机构是： A 中国人民银行 B 中国银监会 C 中国证监会 D 中国保监会 (答案：B ) 10. 在国际银行监管史上有重要意义的1988 年《巴塞尔协议》规定，银行的总资本充足率 不能低于：A 4% B 6% C 8% D 10% (答案：C ) 11. 目前世界上最大的证券交易所是： A 纽约股票交易所 B 伦敦股票交易所
2011年中国农业银行招聘笔试试题 一、单项选择题（每小题1分，30题，共30分） 1.关于国民生产总值表述不正确的是( )。 A.是对一个国家或地区一定时期经济总量的考核 B.衡量的是以货币表现的产出 C.对象是最终产品和劳务 D.与国内生产总值相同 2.如何正确发挥国有经济的主导地位？( ) （1）鼓励非国有经济的健康发展；（2）提高国有经济的控制力；（3）照生产力发展的要求调整国有经济的布局、结构和组织形式；（4）提高国有经济的比重；（5）从数量上提高国有经济控制力。 A.（1）（2）（4） B.（2）（3）（4） C.（1）（2）（3） D.（3）（4）（5） 3.社会主义商品生产和其他社会商品生产的根本区别在于( )。 A.价值决定不同 B.价格与价值的关系不同 C.价值规律的实现形式不同 D.所有制基础不同 4.加快资本周转速度( )。 A.会导致预付可变资本增加 B.会导致预付总资本增加
C.可以提高年剩余价值率 D.可以提高剩余价值率 5.资本主义经济危机的根源是( )。 A.资本主义基本矛盾 B.资本主义社会矛盾 C.资本主义阶级矛盾 D.垄断组织与中小企业的矛盾 6.金融寡头实现经济上统治的“参与制”是指金融寡头( )。 A.直接参与工业企业的生产经营和管理 B.直接参与银行的经营和管理 C.通过购买一定数量的股票层层控制许多大企业和大银行的经济统治方式 D.通过购买所属公司全部股票直接掌握许多大企业和大银行的经济统治方式 7.以下各项与存货有关的成本费用中，不影响经济进货批量的是( )。 A.专设采购机构的基本开支 B.采购员的差旅费 C.存货资金占用费 D.存货的保险费 8.下列哪一项属于货币政策的中间目标？( ) A.货币供给量
一、单项选择题。（共 60 题，每题 1 分，共 60 分。每题的备选项中，只有 1 个最符合题意） 1.中央银行增加黄一金、外汇储备，货币供应量（）。 A.不变 B.减少 C.增加 A.M-1——、M2 和 M3 D.上下波动 B.M1 和 M2 C.M0 和 M1 2.我国央行首要调控的货币是（）。 D.M3 3.马克思揭示的货币必要量一规律的理论基础是（）。 A.货币数量论 B.劳动价值论 C.剩余价值论 D.货币金属论 4.弗里德曼的货币需求函数中的一 y 表示（）。 A.国民收入 B.工资收入 C.名义收入 D.恒久性入 5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。 A.增加 B.减少 C.不变 D.不定 6.通货膨胀首先是一种（）。 A一.制度现象 B.经济现象 C.心理现象 D.社会现象 7.投资和信贷相结合的租赁形式是（）。 A.杠杆租赁 B.金融租赁 C.经营租赁 D.财务租赁 8.某客户购买贴现国债，票面金额为 100 元，价格为 91 元，期限为 1 年，其收益率为（）。 A.9% B.7.43% C.10.8% 一 D.9.89% 9.假定某储户 2004 年 8 月 1 日存入定活两便储蓄存款 5000 元，于 2004 年 10 月 1 日支取，如果支取日整存整取定期储蓄存款一年期利率为 2.25%，活期储蓄利率为 1.85%，银行应付利息为（）。 A.225 元 B.135 元 C.22.50 元 D.18.50 元 10.借款人支付给贷款人的使用贷款的代价是（）。 A.资本 B.利息 C.工资 D.利润 11.名义利率扣除通货膨胀因素以后一的利率是（）。 A.市场利率 B.优惠利率 C.固定利率 D.实际利率一 12.某银行 2004 年 5 月 20 日向某公司发放贷款 100 万，贷款期限为一年，假定利率为 4.5%.该公司在 2005 年 5 月 20 日还贷款时应付利息为（）。 A.54000 元 B.4500 元 C.375 D.6000 元 13.从事汽车消费信贷业务并提供相关金融服务的一专业机构是（）。 A.汽车金融公司 B.汽车集团公司 C.汽车股份公司 D.金融投资公司 14.投资基金是由若干法人发起设立，以（）的方式募集资金 A.发行受益凭证 B.发行金融债券 C.组织存款 D.发行股票 15.中央银行发行货币、集中存款准备金属于其（一）。 A.资产业务 B.负债业务 C.表外业务 D.特别业务 16.根据我国法律规定，我国的证券交易所是（）。 A.以盈利为目的的法人 A.1991 年 7 月 3 日 B.不以盈利为目的的法人 B.1990 年 11 月 26 日 C.公益性机构 D.政府机构 D.1989 年 10 月 20 日一 17.改革开放以来，为适应我国市场经济建设的需要，深圳证券交易所于（）正式开业。 C.1992 年 11 月 19 日 18.一般而言，金融机构主要分为（）两大类。一A.银行与非银行金融机构 A. 实收资本 B.银行与证券机构 C.银行与保险机构 D.政策性银行与商业银行 19.按照我国的规定，要求金融机构的注册资本应当是（）。 B.附属资本 C.债务资本 D.国有资本 20.某商业银行的核心资本为 300 亿元，附属资本为 40 一亿，拥有三类资产分别为 6000 亿元、 5000 亿元、 2000 亿元，与其对应的资产风险权数分别为 10%、20%、100%，其资本充足率为（）。 A.8.5% B.9.4% C.10.5% D.7.4%一 21.无论是国家资本、法人资本、个人资本或外资资本，凡投入金融机构永久使用和支配的，都形成其（）。 A.资本公积 B.资本盈余 C.实收资本 D.应收资本 22.在我国，财政性存款、特种存款、准备金存款都属于（）管理的存款。 A.中央银行 B.商业银行 C.合作银行 D.政策性银行 23.我国的法定存款准备金率由（）规定并组织执行。 A.国务院 B.金融工委 C.中央财经工作领导小组 D.中国人民银行 D.200一7 年 1 月 1 日 24.按照银行监会规定，我国商业银行资本充足率的最后达标期限为（）。一 A.2004 年 3 月 1 日 B.2005 年 3 月 1 日 C.2006 年 1 月 1 日 25.下列单位可以作为贷款保证人的是（）。 A.国家机关 B.企业法人的职能部门 C.具有法人授权的分支机构 D.以公益为目的的事业单位 26.反映抵押合同与质押合同的主要区别的是（）。 A.借款人与贷款人要以书面形式订立合同的处理规定 D.贷款清偿后，担保品处理规定 B.合同生一效日 C.借款人不能按期履行清偿时担保品 27.将全部投资资金集中投资一于短期证券或长期证券的投资方法属于（）投资法。 A.期限分离 B.分散化 C.灵活
一、单项选择题。（共60题，每题1分，共60分。每题的备选项中，只有1个最符合题意） 1.中央银行增加黄金、外汇储备，货币供应量（）。 A.不变 B.减少 C.增加 D.上下波动 2.我国央行首要调控的货币是（）。 A.M-1——、M2和M3 B.M1和M2 C.M0和M1 D.M3 3.马克思揭示的货币必要量规律的理论基础是（）。 A.货币数量论 B.劳动价值论 C.剩余价值论 D.货币金属论 4.弗里德曼的货币需求函数中的y表示（）。 A.国民收入 B.工资收入 C.名义收入 D.恒久性入 5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。 A.增加 B.减少 C.不变 D.不定 6.通货膨胀首先是一种（）。 A.制度现象 B.经济现象 C.心理现象 D.社会现象 7.投资和信贷相结合的租赁形式是（）。 A.杠杆租赁 B.金融租赁 C.经营租赁 D.财务租赁 8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。 A.9% B.7.43% C.10.8% D.9.89% 9.假定某储户2004年8月1日存入定活两便储蓄存款5000元，于2004年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（）。
A.225元 B.135元 C.22.50元 D.18.50元 10.借款人支付给贷款人的使用贷款的代价是（）。 A.资本 B.利息 C.工资 D.利润 11.名义利率扣除通货膨胀因素以后的利率是（）。 A.市场利率 B.优惠利率 C.固定利率 D.实际利率 12.某银行2004年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在2005年5月20日还贷款时应付利息为（）。 A.54000元 B.4500元 C.375 D.6000元 13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。 A.汽车金融公司 B.汽车集团公司 C.汽车股份公司 D.金融投资公司 14.投资基金是由若干法人发起设立，以（）的方式募集资金 A.发行受益凭证 B.发行金融债券 C.组织存款 D.发行股票 15.中央银行发行货币、集中存款准备金属于其（）。 A.资产业务 B.负债业务 C.表外业务 D.特别业务 16.根据我国法律规定，我国的证券交易所是（）。 A.以盈利为目的的法人 B.不以盈利为目的的法人 C.公益性机构 D.政府机构 17.改革开放以来，为适应我国市场经济建设的需要，深圳证券交易所于（）正式开业。 A.1991年7月3日 B.1990年11月26日 C.1992年11月19日 D.1989年10月20日
中国邮政储蓄银行招聘考试真题题库 一、填空部分 1、储蓄机构设置，应当遵循统一规划，方便群众，注重实效，确保安全的原则。 2、农村信用社办理储蓄存款应坚持存款自愿、取款自由、存款有息、为储户保密的原则。 3、定活两便储蓄存款，50元起存，一次存入，不定存期，一次支取本息。 4、人民法院、人民检察院、公安机关、国家安全机关等部门因侦察、起诉、审理案件要求查询、冻结、扣划存款时必须向信用社出具由县级或县级以上人民法院、人民检察院、公安机关、国家安全机关的正式通知。 5、储蓄存款停止支付（冻结）的期限最长不超过六个月，逾期自动撤销。 6、开办通存通兑的储蓄机构，正式挂失手续须在原开户储蓄机构办理，联机机构只能办理临时挂失手续。 7、计算储蓄存款利息的基本公式：利息＝本金×利率×期限。 8、定期储蓄存期的计算不论是大月、小月或平月、闰月，每月均按30天计算，全年按360天计算。 9、定期储蓄存款适逢节假日到期，储户不能按期取款，储户可在储蓄机构节假日前一天办理支取或转存手续，对此，手续上视同提前支取，但利息按到期计算。 10、对个人取得的教育储蓄存款利息所得以及国务院财政部门确定的其他专项储蓄存款或储蓄性专项基金存款的利息所得，免征个人所得税。 11、储蓄会计凭证的传递，必须做到准确及时、手续严密、先外后内、先急后缓。储蓄业务的帐务组织包括明细核算和综合核算两个系统。 12、信用社当前采用借贷记帐法，是以资金平衡原理为依据，以借贷为记帐符号，
以有借必有贷，借贷必相等为记帐规则的一种复式记帐法。 13、会计恒等式：资产＝负债＋所有者权益。 14、储蓄错帐冲正，必须经会计主管人员（负责人）审查盖章后方能办理。储蓄帐务核对分为每日核对、定期核对和不定期核对。 15、储蓄会计凭证必须按结帐日整理，按日或定期装订，定期装订最长不超过十天。 16、储蓄凭证表内科目按现收、现付、转借、转贷的顺序排列。 17、会计档案保管期限分为永久保管和定期保管两种。 18、会计档案保管期限的计算自档案所属年度终了后的次年1月1日起算。 19、公安机关、司法部门或有关单位办理案件需要查阅储蓄档案时，必须持有县级及县级以上主管部门的正式公文介绍，经信用社主任批准后方可查阅。 20、储蓄出纳必须做到手续严密、责任分明、及时准确，确保安全。 21、储蓄代办站周转金的核定额度，一般按其储蓄存款余额的1－3‰核定。 22、库存现金发生差错，要核对帐款、及时查找、及时上报，并填报“错款报告单”，不准以长补短，长款不报以贪污论，短款自补不报以违反制度论。 23、重要空白凭证是指由信用社或单位填写金额并经签章后具有支取款项效力的空白凭证。 24、重要空白凭证作废时，不得撕毁，应加盖“作废”戳记作交帐日有关科目传票附件。 25、重要空白凭证的管理要贯彻印证分管的原则，施行专人负责管理。 26、储蓄业务有关的有价单证包括国库券，金融债券，政府债券，定额存单以及代理发行其它债券等由储蓄机构办理发行，兑付的有价单证。
浦发银行招聘考试笔试复习资料历年考试真题 上海浦东发展银行概况 上海浦东发展银行是1992年8月28日经中国人民银行批准设立、于1993年1月9日正式开业的股份制商业银行，总行设在上海。浦发是自《公司法》、《商业银行法》和《证券法》颁布实施以来国内首家由中国人民银行、中国证监会正式批准的股份制商业银行上市公司。 经中国人民银行、中国证监会正式批准，上海浦东发展银行于1999年获准公开发行Ａ股股票，并在上海证券交易所正式挂牌上市（股票交易代码：600000），这是中国银行业改革的一项重大举措。目前，注册资本金达39.15亿元，良好的业绩和诚信经营的声誉使浦发银行业已成为中国证券市场中一家备受关注和尊敬的上市公司。 建行以来，秉承“笃守诚信、创造卓越”的经营理念，上海浦东发展银行积极探索和推进金融改革与创新，为把上海尽早建成国际经济、金融、贸易中心之一服务，促进和支持中国国民经济发展和社会进步，业务发展迅速，资产规模持续扩大，经营实力不断增强，在海内外已具备一定的影响。 银行主营业务主要包括：吸收公众存款、发放短期、中期和长期贷款、办理结算、办理票据贴现、发行金融债券、代理发行、代理兑付、承销政府债券、买卖政府债券、同业拆借、提供信用证服务及担保;代理收付款项及代理保险业务；提供保管箱服务。外汇存款；外汇贷款；外汇汇款；外汇兑换；国际结算；同业外汇拆借；外汇票据的承兑和贴现；外汇借款；外汇担保；结汇、售汇；买卖和代理买卖股票以外的外币有价证券；代客外汇买卖；资信调查、咨询、见证业务；人民币和外币信用卡业务；离岸金融业务；经中国人民银行批准的其他业务。
浦发银行笔试题： 题量不是很大~共四个体型：单选，多选，判断，应用题，涉及金融，宏观经济学，法律，文学，市场营销，还有行测，考的挺杂的。 第一题是单选：（有好多，占了卷子的两面，只记得下面几题） 1.让你把一个数字金额转换成票面写法。 2.2，12，36，80，（150） 3.浦发银行是1993年1月（9日）正式开业的。 4.利率上升，你应该（抛出债券，多买货币）。 5.还有一道古诗词的题，是在记不清那句是什么了，就记得选项A.秦观B.宋祁C.苏轼D.欧阳修。 6.国富论的作者是（亚当·斯密）。 7.找出以下不同的一项（C）A.化妆师 B.排球运动员 C.播音员 D.画家（只有播音员不用手。。。我也没答对。。。）。 8.还有什么上行文，下行文，平行文，我也整不懂考的是什么DD。。。 9.通货紧缩会造成（经济发展放缓）。 10.不断地增加某一种商品的购买量会造成（消费者的边际效用下降）。 总结：笔试从未公布过考试大纲，也不指定参考书及培训机构，考到的内容又很复杂，知识面很广，因此对大家来说，全靠自我备考是件很痛苦且低效的事情，同学们最好早做准备，考试复习资料可以到考佳卜资料网上了解一下，里面资料还是非常不错的 海纳百川成就梦想 浦发银行2015年校园招聘启事 上海浦东发展银行股份有限公司（以下简称:浦发银行）是1992年8月28日经中国人民银行批准设立、1993年1月9日开业、1999年在上 海证券交易所挂牌上市（股票交易代码：600000）的全国性股份制商业 银行，总行设在上海。良好的业绩、诚信的声誉，使浦发银行成为中国
现有三种现象，它们分别是：①正常人饭后吃苹果（按片计），当达到一定片数以后，随着吃的片数的增加，味道越来越差。②学生在复习迎考中，复习时间达到一定天数以后，随着投入复习的时间（按天计）的增加，复习效果越来越差。③三种不同收入水平的职工同样增加100元的薪水，低收入者积极性提高最大，高收入积极性提高最小。以下结论正确的是（） A.①②③现象隐含的本质（原理）一样 B.①②现象隐含的本质（原理）一样 C.①③现象隐含的本质（原理）一样 D.②③现象隐含的本质（原理）一样 （）道德观认为能给行为所及的大多数人带来最大利益的行为才是善的。 A.功利主义 B.权利至上 C.公平公正 D.社会契约 （）是指管理者拥有某种特定的建议权或审核权，能提出建议或服务。 A.直线职权 B.参谋职权 C.概念职权 D.领导职权 （ ）的核心是要确立新的价值观来取代旧的落伍的价值观。 A.人员变革 B.结构变革 C.技术变革 D.组织文化变革 （ ）的重点在于组织成员之间在权力和利益等资源的重新分配。 A.人员变革 B.结构变革 C.技术变革 D.组织文化变革 （ ）的主要特点就是形成以运筹学和计算机应用为主体的管理定量方法。 A.系统管理学派 B.管理过程学派 C.管理科学学派
D.经验主义学派 （ ）结构也叫规划—目标结构制。 A.直线制 B.直线职能制 C.事业部制 D.矩阵制 （ ）可以帮助组织各级管理者从资金和现金收支的角度，全面、细致地了解管理活动的规模、重点和预期成果。 A.目标 B.预算 C.决算 D.规划 （ ）认为从事社会活动是政治家的责任，企业家不得越俎代庖。 A.社会经济观 B.古典观 C.社会价值观 D.社会历史观 （ ）认为企业管理的核心是“流程”，即一套完整的、贯彻始终的、共同为顾客创造价值的活动，而不是一个个专门化的“任务”。 A.战略管理理论 B.跨文化管理理论 C.行政组织理论 D.再造理论 （ ）是对组织设计、权力的分配、分工与协调等方面进行的变革。 A.人员变革 B.结构变革 C.技术变革 D.组织文化变革 （ ）是领导活动中最关键的因素，是领导活动的主体。 A.领导者 B.被领导者 C.目标 D.领导环境 （ ）是研究人的需要结构的一种理论，是美国心理学家马斯洛所首创的一种理论。 A.需要层次理论 B.双因素理论
中国民生银行招聘考试历年真题汇编整理 民生银行校招全国统一考试，考试内容主要为行测、综合知识、性格测试，题目实际上是不难的，但要有针对性的复习，多练题目是肯定的！建议报考的同学提前做好复习准备，考试资料可以到“壹银考”上面找找，资料确实不错，都是上届学长们根据考试情况精心整理出来的，比较有针对性，大家可以去了解一下！ 民生银行考试经验分享一： 行测60题，60分钟；英语60题选词填空和阅读题，45分钟；银行业务知识70题，40单选、15多选、15判断，45分钟；最后是写作题：题一是要求选一句流行语，结合自己的实践写体会和看法； 题二是写互联网金融对传统金融行业的影响。要求400字以上，30分钟。 民生银行考试经验分享二： 1、综合能力：60题，60分钟，文字15题+数学10题+逻辑15题+思维策略5题+材料分析15题。文字就是句子排列、选词填空、找语病，思维策略就是五条直线在同一平面上最多有几个交点、给你一长串加减数字算结果之类的，材料分析是三段文字和图表，每段有五题，没有计算器。 2、专业知识：70题，45分钟，单选40题+多选15题+判断15题。单选比如商业银行贷款中收回抵押物之后应该冲抵本金、本息还是其他，市场利率上升时债券价格怎么变动，银团贷款又叫什么贷款等等，时政类题目较少，基础类题目较多；多选比如下列哪些贷款是正常贷款、巴塞尔协议的三大支柱、银行从业人员的一些基本行为规范等等；判断题印象不深。页面下方有计算器。 3、英语：60题，45分钟，30道单选，其他30道分布在若干短文后面出题，托业提醒。 4、写作：二选一，写400字。题目一：选一句你喜欢的名人名言或者流行语，简单论述；题目二：互联网金融给传统商业银行将会带来什么影响（给了一段几百字的材料）。 民生银行考试经验分享三： 首先是行测类的题目，选词填空，数字推理，还有句子排序，拼立体图什么的。 再就是英语，完成句子，阅读理解是给一段广告，招聘之类的让你做三两个选择题，题量挺多。 还有经济类的题目，分单选、多选、判断。相对比较简单。
中国农业银行招聘考试试题及答案 1.自1984年1月1日起,中国人民银行开始专门行使中央银行的职能,所承担的工商信贷和储蓄业务职能转交至(C) A 中国银行 B 交通银行 C 工商银行 D 建设银。 2.下面哪些是属于中国人民银行的职责范围( ABCDE) A.发布与履行其职责相关的命令和规章 B.发行人民币,管理人民币流通 C.监督管理黄金市场 D.负责金融业的统计、调查、分析和预测 E.从事有关的国际金融活动 3.下列属于银监会的监管理念的是( ABDE ) A.管风险 B.提高透明度 C.管机构 D.管法人E、管内控 4.银监会的监管目标是监管者追求的基本目标(B ) B(错) 银监会的监管目标是监管者追求的最终效果或最终状态1、审慎有效监管，保护存款人和消费者利益;2、增进市场信心;3、通过宣传教育工作和相关信息批露，增进公众对现代金融了解;4、努力减少金融犯罪 5.下列属于市场准入的有( ABD ) A.机构准入 B.业务准入 C.法人准入 D.高级管理人员准入 E.技术准入 6.下列属于中国银行业协会的会员单位的有( ABCEF ) A.政策性银行 B.商业银行 C.中国邮政储蓄银。 D.农村资金互助社 E.中央国债登记结算有限责任公司 F.资产管理公司 G、农村商业银行、农村合作银行、农村信用联合社(不包括村镇银行与农村资金互助社);准单位包括各省银行业协会 7.中国银行业协会的执行机构是会员大会(B ) B(错) 中国银行业协会的最高权力机构为会员大会，会员大会的执行机构是理事会，对会员大会负责 8、下列属于银行金融机构的是(ABEF)非银行金融机构包括金融资产管理公司、信托公司、企业集团财务公司、金融租赁公司、汽车金融公司、货币经纪公司
银行招聘考试综合知识考题及答案汇总 一、单选题 1、物价下跌时，通货膨胀率（） A.大于1 B.小于1 C.大于0 D.小于0 2、企业在正常活动中形成的，会导致所有者权益增加的，与所有者投入资本无关的经济利益的总流入称为（） A.利润 B.利得 C.资产 D.收入 3、某企业从甲地购进A材料，买价6400元，外地运杂费300元，那么该材料的实际成本是（） A.3320 B.6700 C.6400 D.300 4、下列哪家机构不属于我国成立的金融资产管理公司?（） A.东方 B.信达 C.华融 D.光大 5、以下不属于金融衍生品的是：（） A.股票 B.远期 C.期货 D.期权 6、下列哪一项不属于商业银行的“三性”原则?（） A.安全性 B.流动性
C.盈利性 D.政策性 7、会计电算化环境下的财务分工实现的基础是会计软件的用户管理功能与( ) A、数据备份 B、数据还原 C、操作权限设置 D、维护审批手续 8、企业在采用备抵法核算坏账损失时，估计坏账损失的方法有（） A.账龄分析法 B.个别认定法 C.销货百分比法 D.应收款项余额百分比法 E.共同认定法 9、更正错账时，划线更正法的适用范围是( ) A.记账凭证上会计科目或记账方向错误，导致账簿记录错误 B.记账凭证正确，在记账时发生错误，导致账簿记录错误 C.记账凭证上会计科目或记账方向正确，所记金额大于应记金额，导致账簿记录错误 D.记账凭证上会计科目或记账方向正确，所记金额小于应记金额，导致账簿记录错误 10、如果会计核算软件中，结账日期设定为每月25日，则7月26日的凭证日期在数据库中应是( ) A、7月25日 B、7月31日 C、8月1日 D、7月26日 11.下列哪一项不构成经济结构对商业银行的影响?( ) A.国民经济的增长速度 B.国民经济的增长质量 C.国民经济增长的可持续性 D.是否出现顺差
中国银行招聘笔试试题及答案 一、专业知识不定项选择题 1、一家美国公司将在6个月后收到一笔欧元货款，该公司采取的汇率风险防范措施有()。 A、做即期外汇交易买进欧元 B、做远期外汇交易卖出欧元 C、买进欧元看跌期权 D、做欧元期货空头套期保值 E、做货币互换交易 标准答案：B,C,D 解析：即期外汇交易适用于进口场合，货币互换交易适用于长期对外借贷场合。 2、证券现场检查的重点是()。 A、盈利 B、风险 C、财务 D、合规 标准答案：D 3、解决交易成本问题的办法是靠()。 A、规模经济 B、加强管理 C、控制支出 D、降低交易额 标准答案：A
4、治理通货膨胀首先要()。 A、刺激需求 B、控制需求 C、增加供给 D、减少供给 标准答案：B 5、我国衡量收益合理性的指标包括()。 A、资本利润率 B、资产利润率 C、贷款损失准备提取比例 D、收入增长率和支出增长率 标准答案：A,B,C,D 6、可在签约时采用的汇率风险管理方法有()。 A、即期外汇交易 B、贷款和投资 C、保险 D、选择有利的合同货币 E、加列合同条款 标准答案：D,E 7、下列属于银行市场运营监管的主要内容是() A、资本充足性 B、资产安全性 C、流动适度性 D、收益合理性
E、运营效率性 标准答案：A,B,C,D 8、我国商业银行全面实行资产负债比例管理是在()年。 A、1997年 B、1998年 C、1999年 D、2000年 标准答案：B 9、金融相关比率是指某一时点上() A、金融资产存量与国民财富之比 B、金融资产增量与国民财富之比 C、金融资产存量与对外净资产之比 D、金融资产增量与政府财政之比 标准答案：A 10、金融发展对经济增长和发展最重要的作用是() B、对稳定经济活动的贡献 C、对稳定收入的贡献 D、对长期经济平均增长水平的总体贡献 标准答案：D 11、证券交易所的证券交易原则是()。 A、公开、公平、公正 B、价格优先、时间优先 C、公开报价、电子配对 D、金额大者先行交易
1.一般而言，银行最主要的资产业务是（ B ）。 A.存款 B.贷款 C.证券投资 D.固定资产 2.中国人民银行规定，中期贷款期限为（ B ）。 A.1年以内 B.1年至5年 C.1年至3年 D.5年以上 3.中国人民银行规定，中期流动资金贷款期限为（ C ）。 A.3个月以内 B.3个月至1年 C.1年至3年 D.1年至5年 4.下列不属于河南省农村信用社资金信贷业务“十不准”的是（ A ）。 A.不准跨区发放贷款 B.不准划整为零发放贷款 C.不准编报虚假资料，套取信用 D.不准违规拆借、存放资金 5.根据《贷款通则》规定，贷款期限是根据（ C ）确定的。 A.借款人生产经营周期和银行头寸情况 B.借款人还款能力和保证人还款能力 C.借款人生产经营周期、还款能力和贷款人资金供给能力 D.保证人的保证能力 6.与贷款五级分类相对应的贷款损失准备金制度应是（ B ）。 A.普通准备金制度 B.专项准备金制度 C.特别准备金制度 D.一般准备金制度 7.票据贴现的贴现期限最长不得超过（ B ）月，贴现期限为从贴现之日起到票据到期日止。 A.三个 B.六个 C.十二个 D.十八个 8.贷款审批权限以（ B ）贷款金额确定。 A.单笔最大 B.单户累计 C.笔数最大 D.最大一笔 9.由于不完善或失灵的内部程序、人员和系统或外部事件导致损失的风险，为（C ）。 A.选择风险 B.承销风险 C.操作风险 D.交易风险
10.某些特定种类的企业或行业贷款可能包含比其他种类或行业更大的风险，这种风险称为（ A ）。 A.内在风险 B.集中风险 C.交易风险 D.组合风险 11.商业银行应确定一个管理部门或委员会统一审核批准对客户的授信，不能由不同部门分别对同一或不同客户进行授信，这是指授信要做到（ A ）。 A.授信主体的统一 B.授信形式的统一 C.授信对象的统一 D.不同币种授信的统一 12.商业银行授信的对象是法人，不允许商业银行在一个营业机构或系统内对不具备法人资格的分支公司客户授信，即授信要做到（ C ）。 A.授信主体的统一 B.授信形式的统一 C.授信对象的统一 D.不同币种授信的统一 13.不对外公开，作为商业银行内部控制客户信用风险的最高限额，由商业银行审批客户信用需求时内部掌握使用的授信方式是（ B ）。 A.公开授信 B.内部授信 C.集中授信 D.秘密授信 14.下列哪个项目不属于流动资产（ C ）。 A.货币资金 B.应收账款 C.应付账款 D.存货 15.下列项目中属于流动资产的是（ A ）。 A.银行存款 B.短期借款 C.应付票据 D.预提费用 16.下列各种情况属于风险较大的是（ A ）。 A.企业的固定成本在总成本中的比重大 B.企业产品具有独特性 C.与经济周期变化的相关程度低 D.对其他企业的原材料供应和产品销售的依赖性弱 17.下列各种情况属于风险较大的是（ B ）。 A.企业的固定成本在总成本中的比重小 B.企业所在行业与经济周期变化的相关程度高 C.企业进入成熟期
浦发银行招聘笔试真题及答案整理 多选题 1.可以支取现金的支票有（） A.现金支票 B.转账支票 C.普通支票 D.划线支票 2.在银行财务报表中，“现金”不属于（） A.资产 B.所有者权益 C.负债 D.费用 3.会计的基本职能是（） A.会计核算职能 B.会计监督职能 C.法律咨询职能 D.营销职能 4.外来原始凭证是指（）。 A.从企业外部取得的 B.会计人员填制 C.一次凭证 D.加盖填制单位公章 5.下列属于记账凭证的有（）。 A.科目汇总表 B.通用记账凭证 C.领料单 D.发出材料汇总表 6.下列会计科目中，贷记‘银行存款’，同时借记的科目有可能是（） A.应缴税费 B.管理费用 C.原材料 D.固定资产 7．下列各项中，属于会计基本假设的包括（）。 A．会计主体B．持续经营C．会计分期D．货币计量 8.汇总凭证会计处理程序下，（）是登记总账的依据。
A．原始凭证B．原始凭证汇总表 C．收、付、转记账凭证 D．汇总收、付、转凭证 E．记账凭证汇总表 9．在记账凭证会计处理程序下，（）不能作为登记总账直接依据。A．原始凭证 B．汇总原始凭证C．汇总记账凭证 D．科目汇总表E．记账凭证 10. 下列项目中，属于费用要素特点的有（）。 A．企业在日常活动中发生的经济利益的总流入 B．会导致所有者权益减少 C．与向所有者分配利润无关 D．会导致所有者权益增加 11.下列属于固定资产的是（） A.现金 B.股票 C.产房 D.车辆 12．下列（）属于反映营业利润的账户。 A.主营业务收入 B.其他业务成本 C.营业外支出 D.营业税金及附加 13.在借贷记账法下，账户的贷方应登记（）。 A.负债、收入的增加数 B.负债、收入的减少数 C.资产、成本的减少数 D.资产、成本的增加数 14.下列会计科目中属于资产类科目的是（） A 现金 B.银行存款 C.固定资产 D.应交税费
银行招聘笔试试题及 答案 Revised on November 25, 2020
中国银行招聘笔试试题及答案 一、专业知识不定项选择题 1、一家美国公司将在6个月后收到一笔欧元货款，该公司采取的汇率风险防范措施有()。 A、做即期外汇交易买进欧元 B、做远期外汇交易卖出欧元 C、买进欧元看跌期权 D、做欧元期货空头套期保值 E、做货币互换交易 标准答案：B,C,D 解析：即期外汇交易适用于进口场合，货币互换交易适用于长期对外借贷场合。 2、证券现场检查的重点是()。 A、盈利 B、风险 C、财务
D、合规 标准答案：D 3、解决交易成本问题的办法是靠()。 A、规模经济 B、加强管理 C、控制支出 D、降低交易额 标准答案：A 4、治理通货膨胀首先要()。 A、刺激需求 B、控制需求 C、增加供给 D、减少供给 标准答案：B 5、我国衡量收益合理性的指标包括()。
A、资本利润率 B、资产利润率 C、贷款损失准备提取比例 D、收入增长率和支出增长率 标准答案：A,B,C,D 6、可在签约时采用的汇率风险管理方法有()。 A、即期外汇交易 B、贷款和投资 C、保险 D、选择有利的合同货币 E、加列合同条款 标准答案：D,E 7、下列属于银行市场运营监管的主要内容是() A、资本充足性 B、资产安全性
C、流动适度性 D、收益合理性 E、运营效率性 标准答案：A,B,C,D 8、我国商业银行全面实行资产负债比例管理是在()年。 A、1997年 B、1998年 C、1999年 D、2000年 标准答案：B 9、金融相关比率是指某一时点上() A、金融资产存量与国民财富之比 B、金融资产增量与国民财富之比 C、金融资产存量与对外净资产之比 D、金融资产增量与政府财政之比
银行招聘笔试真题 浦发银行校园招聘笔试真题 一、简答 1、双因素理论是什么? 2、《忏悔录》的作者 3、你最近读的畅销书有什么?你对它的看法和评价 4、吃西餐的时候，刀叉怎么摆放代表用餐结束 5、怎么向地位比自己高的人索要名片? 6、2006年亚运会的举办国家 7、对现在“明星学者”的看法 8、我国第一家上市的银行是哪家? 9、四大国有银行有哪些?它们的英文全称和简称 10、全世界最大的金融机构是哪家? 11、电子货币的好处和风险 12、什么是硬通货?什么是软通货? 13、利息利率定义，影响利率的因素 14、借记卡和贷记卡的主要区别 15、浦发能带给你什么?你能给浦发带来什么? 二、行测题 浦发银行济南分行笔试题
一、简答 1、会计的基本职能 2、银行业的主要风险是什么? 3、管理的真谛是什么?怎么进行? 4、江同志的“三个代表” 5、统计的主要方法有哪些? 二、给了一些流年表上的年末累计数，让编制一个利润表，要求格式都符合标准。 三、英译汉 题目不是很难，但是需要知道专业术语，不然翻译会有困难。 四、论述 1、营销的要素是什么? 2、企业怎样在激烈的竞争中取胜，该怎么做? 3、什么是和谐社会，构建和谐社会的主要任务是什么? 浦发银行笔试真题汇总及答案解析(仅供参考) 1.四大国有银行都是哪些，他们的英文全称和简称? 中国工商银行Industrial and Commercial Bank of China(ICBC)中国建设银行China Construction Bank(CCB)中国银行Bank of China(BOC)中国农业银行Agriculture Bank of China(ABC)浦发银行笔试 2.什么是硬通货，什么是软通货? 硬通货是指国际信用较好、币值稳定、汇价呈坚挺状态的货
中国工商银行招聘考试全新试题（精华版） 一、单项选择题。（共60题，每题1分，共60分。每题的备选项中，只有1个最符合题意） 1.中央银行增加黄金、外汇储备，货币供应量（）。 A.不变 B.减少 C.增加 D.上下波动 2.我国央行首要调控的货币是（）。 A.M-1——、M2和M3 B.M1和M2 C.M0和M1 D.M3 3.马克思揭示的货币必要量规律的理论基础是（）。 A.货币数量论 B.劳动价值论 C.剩余价值论 D.货币金属论 4.弗里德曼的货币需求函数中的y表示（）。 A.国民收入 B.工资收入 C.名义收入 D.恒久性入 5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。 A.增加 B.减少 C.不变 D.不定 6.通货膨胀首先是一种（）。 A.制度现象 B.经济现象 C.心理现象 D.社会现象 7.投资和信贷相结合的租赁形式是（）。 A.杠杆租赁 B.金融租赁 C.经营租赁 D.财务租赁 8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。 A.9% B.7.43% C.10.8% D.9.89% 9.假定某储户2004年8月1日存入定活两便储蓄存款5000元，于2004年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（）。 A.225元 B.135元 C.22.50元 D.18.50元 10.借款人支付给贷款人的使用贷款的代价是（）。 A.资本 B.利息 C.工资 D.利润 11.名义利率扣除通货膨胀因素以后的利率是（）。 A.市场利率 B.优惠利率 C.固定利率 D.实际利率 12.某银行2004年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在2005年5月20日还贷款时应付利息为（）。 A.54000元 B.4500元 C.375 D.6000元 13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。 A.汽车金融公司 B.汽车集团公司 C.汽车股份公司 D.金融投资公司 14.投资基金是由若干法人发起设立，以（）的方式募集资金 A.发行受益凭证 B.发行金融债券 C.组织存款 D.发行股票 15.中央银行发行货币、集中存款准备金属于其（）。 A.资产业务 B.负债业务 C.表外业务 D.特别业务 16.根据我国法律规定，我国的证券交易所是（）。 A.以盈利为目的的法人 B.不以盈利为目的的法人 C.公益性机构 D.政府机构 17.改革开放以来，为适应我国市场经济建设的需要，深圳证券交易所于（）正式开业。 A.1991年7月3日 B.1990年11月26日 C.1992年11月19日 D.1989年10月20日 18.一般而言，金融机构主要分为（）两大类。 A.银行与非银行金融机构 B.银行与证券机构 C.银行与保险机构 D.政策性银行与商业银行 19.按照我国的规定，要求金融机构的注册资本应当是（）。 A. 实收资本 B.附属资本 C.债务资本 D.国有资本 20.某商业银行的核心资本为300亿元，附属资本为40亿，拥有三类资产分别为6000亿元、5000亿元、
招商银行招聘笔试真题 一、招商银行笔试题型结构 1、基础知识部分(70题左右) （1）时事政治。简单地说就是本年度发生的国内、国外重要或者典型事件。 （2）专业知识。涉及宏观经济学，会计学，证券投资学，法律，人力资源管理，计算机技术等综合知识。 （3）招行知识。招行的广告语，招行核心资本充足率，招行黄金产品名称，招行校园招聘宣传口号等内容。 2、行政能力测试(70题左右) （1）语言题。形式是选词填空和段落排序。 （2）逻辑判断。 （3）资料分析。一般有三道大题。 3、英语阅读(20题左右) （1）2015年招行英语考试与工行、中行不同。招行给了四篇阅读，每篇阅读有5问，共20题，三十分钟必须做完。
（2）这四篇英语阅读讨论的问题分别是：商店男女扒手比例及原因、中国援助非洲问题，英国对对欧元区债务危机的矛盾之处，英国部分图书馆被取消引起的抗议。 （3）文章难度一般，问题非常简单，一般都可以在原文迅速找到答案。 4、性格测试 二、招商银行笔试100练习题 1、商业银行贷款发放和使用应当符合国家法律、行政法规和中国人民银行发布的行政规章，应当遵循的原则有( D ) A：安全性、计划性、效益性B：计划性、择优性、偿还性 C：安全性、计划性、择优性D：安全性、流动性、效益性 2、按贷款期限划分短期贷款是指( C ) A：六个月以内(含六个月) B、六个月以内 C：一年以内(含一年) D、一年以内 3、按贷款方式划分，贷款分哪些种类( B ) A：保证贷款、抵押贷款、质押贷款 B：信用贷款、担保贷款、票据贴现 C：信用贷款、保证贷款、票据贴 D：担保贷款、抵押贷款、质押贷款
银行招聘笔试题库
一、填空题 1、贷款五级分类法将贷款按风险程度分为、、、、五类。 正常、关注、次级、可疑、损失 2、商业银行以（）、（）、（）为经营原则 安全性、流动性、效益性 3、商业银行贷款，应当实行（）、（）的制度。 审贷分离、分级审批 4、商业银行不得向关系人发放（）；向关系人发放担保贷款的条件不得优于 其它借款人同类贷款的条件。 信用贷款 5、商业银行的工作人员不得泄露其在任职期间知悉的（）、（） 国家秘密、商业秘密 6、储蓄账户仅限于办理（）业务，不得办理（）。 现金存取、转账结算 7、短期贷款展期期限累计不得超过（）；中期贷款展期期限累计不得超过（）；长期贷款展期期限累计不得超过（）。 原贷款期限、原贷款期限的一半、3年 8、担保贷款包括、、三类。保证、抵押、质押 9、个人携带外汇进出境，应当向海关办理（）手续 申报 10、进口信用证中的相关当事人的英文释义： 开证行：（）通知行（）议付行（）偿付行（）保兑行（）issuing bank、advising bank、negotiating bank、reimbursing bank、confirming bank
二、选择题 1、商业银行与客户的业务往来，应当遵循平等、自愿、公平和诚实信用的原则。 A、自愿 B、互惠互利 C、平等 D、公平 E、存取自由 F、诚实信用 ACDF 2、商业银行分支机构（）法人资格，在总行授权范围内依法开展业务。 A、不具有 B、具有 A 3、商业银行及其分支机构自取得营业执照之日起无正当理由超过（）未开业的，或者开业后自行停业连续（）以上的，由国务院银行业监督管理机构吊销其经营许可证，并予以公告A、3个月B、6个月C、9个月D、一年 B 4、任何单位和个人购买商业银行股份总额百分之（）以上的，应当事先经国务院银行业监督管理机构批准。 A、1 B、8 C、5 D、10 C 5、贴现银行持未到期的承兑汇票向其它银行贴现的行为称( ) A、再贴现 B、转贴现