2020银保监会招聘：财会类专业模拟题11

2020银保监会招聘：财会类专业模拟题11银行招聘网为备考银行的考生们整理了各大银行的招聘信息，帮助考生了解银行招聘时间和报考条件。

同时提供银行备考的流程与相关指导，并归纳网申、笔试、面试答题技巧，提高考生网申、笔试、面试成功率。

第四部分英语根据题目要求，在四个选项中选出一个最恰当的答案。

请开始答题：Passage 1The very loans that are supposed to help seniors stay in their homes are in many cases pushing them out.Reverse mortgages, which allow homeowners 62 and older to borrow money against the value of their homes and not pay it back until they move out or die, have long been fraught with problems. But federal and state regulators are documenting new instances of abuse as smaller mortgage brokers, including former subprime lenders, flood the market after the recent exit of big banks and as defaults on the loans hit record rates.Some lenders are aggressively pitching loans to seniors who cannot afford the fees associated with them, not to mention the property taxes and maintenance. Others are wooing seniors with promises that the loans are free money that can be used to finance long-coveted cruises, without clearly explaining the risks. Some widows are facing eviction after they say they were pressured to keep their name off the deed without being told that they could be left facing foreclosure after their husbands died.Now, as the vast baby boomer generation heads for retirement and more seniors grapple with dwindling savings, the newly minted Consumer Financial Protection Bureau is working on new rules that could mean better disclosure for consumers and stricter supervision of lenders. More than 775,000 of such loans are outstanding, according to the federal government.Concerns about the multibillion-dollar reverse mortgage market echo those raised in the lead-up to the financial crisis when consumers were marketed loans —often carrying hidden risks —that they could not afford.“There are many of the same red flags, including explosive growth and the fact that these loans are often peddled aggressively without regard to suitability,”said Lori Swanson, the Minnesota attorney general, who is working on reforming the reverse mortgage market.101.What can we learn about mortgage loans from the first two paragraphs?A.The loans help seniors stay in their homes.B.The loans are actually expelling seniors.C.The reverse mortgage only welcomes seniors 62 and older.D.Seniors can apply for reverse mortgage freely.102.The problem of reverse mortgage refers to ______.A.some lenders are pleased to lend money to seniorsB.the borrowers cannot pay back the money as expectedC.federal and state regulators are documenting new instances of abuseD.former subprime lenders go bankrupt103.The underlined word “foreclosure”(line 6, paragraph 3) most probably implies ______.A.the widows were pressured to lose their namesB.the seniors couldn’t enjoy their cruises finallyC.the widows may be evicted from their housesD.the widows had misunderstood the reverse mortgage104.Which of the following is true about the new rules from CFPB?A.The rules are good for lenders while adverse to borrowers.B.The baby boomer phenomenon helps seniors to save money.C.Consumers can better understand reverse mortgage.D.The rules will be stricter for consumers.105.The “red flags”of reverse mortgage don’t include ______.A.explosive growthB.never considering suitabilityC.leading to financial crisisD.the reform of reverse mortgage marketPassage 2Interest in pursuing international careers has soared in recent years, enhanced by chronic (长久的) personnel shortages that are causing companies to search beyond their home borders for talent.Professionals seek career experience outside of their home countries for a variety of reasons. They may feel the need to recharge their batteries with a new challenge. They may want a position with more responsibility that encourages creativity and initiative. Or they may wish to expose their children to another culture, and the opportunity to learn a second language.When applying for a job, one usually has to submit a resume or curriculum vitae (CV). The two terms generally mean the same thing: a one-or two-page document describing one’s educational qualifications and professional experience. However, guidelines for preparing a resume are constantly changing. The best advice is to find out what is appropriate regarding the corporate (公司) culture, the country culture, and the culture of the person making the hiring decision. The challenge will be to embrace two or more cultures in one document. The following list is a good place to start.●“Educational requirements differ from country to country. In almost every case of ‘cross-border’job hunting, just stating the title of your degree will not be an adequate description. Provide the reader with details about your studies and any related experience.”●Pay attention to the resume format you use-chronological or reverse-chronological order. Chronological order means listing your ‘oldest’work experience first. Reverse-chronological order means listing your current or most recent experience first. Most countries have preferences about which format is most acceptable. If you find no specific guidelines, the general preference is for the reverse-chronological format.”●If you are submitting your resume in English, find out if the recipient (收件人) uses British English or American English because there are variations between the two versions. For example, university education is often referred to as ‘tertiary education’in the United Kingdom, but this term is almost never used in the United States. A reader who is unfamiliar with these variations may assume that your resume contains errors.panies are hiring more foreign employees because ______.A.they find foreign employees are usually more talentedB.they need original ideas from employees hired overseasC.they want to expand their business beyond home bordersD.they have difficulty finding qualified personnel at home107.The author believes that an individual who applies to work overseas ______.A.is usually creative and full of initiativeB.aims to improve his foreign language skillsC.is dissatisfied with his own life at homeD.seeks either his own or his children’s development108.When it comes to resume writing, it is best to ______.A.take cultural factors into considerationB.learn about the company’s hiring processC.follow appropriate guidelines for job huntingD.know the employer’s personal likes and dislikes109.When writing about qualifications, applicants are advised to _______.A.stress their academic potential to impress the decision makerB.give the title of the university degree they have earned at homeC.provide a detailed description of their study and work experiencesD.highlight their keen interest in pursuing a ‘cross-border’career110.According to the author’s last piece of advice, the applicants should be aware of ______.A.the different educational systems in the US and the UKB.the differences between the varieties of EnglishC.the recipient’s preference with regard to the formatD.the distinctive features of American and British cultures101.【答案】B。