外企招聘面试笔试考试题库汇丰(HSBC)--HSBC,verbal1-49(修复的)

汇丰银行英语面试问题【精选】汇丰银行英语面试问题问题一：汇丰银行的interview一般有1次笔试，2-3次面试。

面试主要分为2个方面，英语自我介绍，英语回答问题和中文回答问题。

问题一般涉及你为什么要选择汇丰，你能不能承受高压的工作啊，这些问题，最后你也有个问hr问题的机会。

问题：1.自我介绍?2.为什么选择进银行业?3.为什么选汇丰?4.之前有没有团队合作经历?举例?5.有没有碰到很难合作的人?你是怎么处理的?举例?6.有什么优点可以让你胜任这个职位?6.性格里有什么缺点?举例?我也参加过类似的这样的面试和笔试，好象是英语和数字的，主要目的是要考查你听写英语的水平和对数据的触觉及反应.相信数据录入员应该也差不多.首先是英语，题目比cet英语四级考试要略简单一些，但也不要粗心大意，有听力和阅读两部分，题量比较大;第二就是用两组数据来考查你对数字的触觉，相同的后面打个勾，不同的就不管，有很多题，在他们规定的时间内是做不完的，考查你的速度.其实做什么都尽力就好了，是勉强不来的，尽了自己最大的努力，问心无愧.问题二：首先是笔试，第一，对数字的敏感，考题内容是有左右两组数字，如果左边的数字与右边的数字相同，就打勾，左右不相同的话，就不用打勾，时间是两分钟做200道。

第二，英语听力，会播放类似录音的英文对话，然后再选择正确答案。

第三，英语理解，有一段英文内容的文字，看完之后再选择正确答案。

笔试通过，就会通知第一次面试，第一次面试不难，就是一个hr的跟你中英文对话，问一下你的情况，经历，问一下你未来三年有什么计划，接着会有一小段的英文要你读一下，再翻译，读错了不要紧，不要错得一个单词都不会就没问题，最后会问你有没有问题要问他，一定要问，什么问题都好，别说没有问题。

第一次面试通过，会通知交资料，身份证复印件等等，然后是体检，接着是考打字速度，更简单，要求没分钟25个英文以上，正确率百分之90以上就行，如果没达到，不要紧，继续打，打到合格为止，hr的人不会理你，最要紧的是你有个合格的成绩给他记录交差就行。

汇丰银行笔试题目汇丰银行笔试题目大家准备好汇丰银行的面试了吗?下面YJBYS小编为大家整理了汇丰银行笔试题目，欢迎阅读参考!汇丰银行笔试题目 1.Please state why you chose to follow these activities and how they have contributed to your personal development.You may wish to give details of your role whether anyone else was involved and any difficulties you encountered.2.Please state how you have benefited from your work experience.3.How much is your present monthly salary including allowances.4.Do you need to compensate your present employer if you resign? If so, please give details.5.Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6.Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are.汇丰银行员工笔试试题及答案图一，是一个方格图，横着从左到右分别为人口，GDP,食物支出和衣着支出，竖着从上到下分别为国家的名字，记得的有France,Denmark 等。

36 Behavior questions1.Why do you want to work for the position?Tips: -Say it fits your skillsets: analytical, problem solving, great communicator-Say you spoke to______, who’s in this position, loved his experience2.Why do you want to work for the company?3.What differentiate you from other candidate?4. Tell me about yourself: Tell your life stories in 3 mins, more laid backWalk me through your resume: more formal, pick top experiencesTips: Prep for the two versions5. Tell me what you enjoy the most about your school experience.Tips: talk about academic, extracurricular activities and professional development6. Favourite course and least favourite course7. 5-10 YEAR Career GOAL8. How would working for our company help you achieve your long term goal?9. Hobbies outside class?Tips: Not just any hobbies. Try to tie the hobbies into the positionIf it is an analytical role that requires market knowledge, say you spent 3 hours a day to follow the newsIf its people type of role, say football experience, and tie it back to the position, say you learned to work with ppl through football, you are used to work with people, its part of you. So you want this role.10. Tell me about your previous work experience?11. Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at our job?Tips: Break down to academic experience including CFA, your work and extracurricular experiences12. Do you like working with others or working along.Tips: Say both depending on the nature of the work. Experienced working independently and working with a team in your role as a student ambassador for TMX( Work solo at U of T, work collaboratively with other ambassadors from other schools)13. Major accomplishment to date?14. Why do you think you will be the most successful candidate at this role.Tips: “ read job description, see your company is looking for people with skill 1, skill 2, skill 3”. Then elaborate the 3 skills you have that match with the job description.15. Do you work well under stress?16. . If someone you worked with was unable to carry out their responsibilities, would you assist them and how would you go about it?17. Tell me a time when you came up with a creative ideaabout your best project19. Tell me about a time you displayed leadership20. Tell me about a time when you had to deal with an unsatisfied coworkers/ boss?21. There are times when we are faced with problems. Describe a time when you had to deal with a small problem before it became a huge problem.22. Describe a time where you failed in one of your job assignments23. Give me an example of how you suggested an idea to your boss and how you sold the idea to him.24. What was your best written achievement? How do you do research for the written piece?
25. describe a presentation you had to do26. When taking high risks, sometimes it is possible to have a failure. Have you taken a high risk, which has later worked fine, but initially you have questioned yourself whether it was worth to take the risk? /How you convince, what strategy you use to convince team to choose your solutions.27. tell me about a time when you proposed improvements to the company (or your boss)28. .tell me about a new transition that you had to me make and how you adjusted29. . 5 strengths & 3 weakness30. success story about demonstrating technical skills. Tell me a time when had to communicate something technical to someone with a non-technical background, in writing31. how have you dealt with a situation that was bound to fail32. Has anyone ever asked you or put you into a situation where your ethical decision making is jeopardized? How have you dealt with it? How did you handle difficult people at workplace33. Why choose the finance major?34. . Tell me about time you gave idea to another person? Coaching/ showing compassion / Use your knowledge to help someone/ Ask the right question/give a suggestion/helped someone?35. What was a situation where you failed to achieve your stated goal?/ Work below expectation.36. Do you make your opinions known when you disagree with the views of your supervisor?。

我是11月14号中午投的form，11月28号在财富广场参加了笔试。

笔试流程和内容和往年说的一模一样。

不多说了。

12月14号在捷泰广场面试。

＃面试后，感觉jackson这人真是专一得不行，多少年了还是老一套。

流程和内容和以前的面经几乎一模一样。

所以搜集以前的gltc面经绝对势在必行。

＃我被问的问题不多，几乎都可在以前的面经上找到，我都有所准备。

我觉得还是按自己的实际情况回答，不要照搬他人的“完美答案”。

＃我唯一遇到的新问题是：用英语介绍，你认为你可以在这个internship里得到什么有助于你以后的职业发展？（之前问了我的职业规划，而且是闲聊后的第一个正式问题）这问题我没准备过，准备的都是针对以前做过的internship或做正式的sap后的。

一开始以为听错，问过他证实后，思考了比常长的时间才回答，而且答得不够全面。

如果是申请inte rn的同学，这问题要好好想一下，问的概率挺大的。

（提示：千万别答想学到最新的技术，因为在汇丰用到新技术的机会只是sometimes，我被jackson批了好一会）＃以前的面经是除了cs或软工的外，很少问技术。

我是电子系的，以为不会问技术，但还是被另外面试官问到了：c＋＋与java的不同点、c里面的指针、c＋＋类的共有、私有、保护成员的区别、虚函数（感觉虚函数是技术必问题，我老实答：课程没教到这章，自己看书知道概念，实际中没用过。

他也没追问。

），还问到了又没有做过一些项目需要用到数据库。

＃自己感觉jackson面我的时候没有向很多人所说的nice，可能是因为很累了吧（我是当天倒数第二个，不知晚上还有没有），我介绍自己项目时也没有追着问。

最后居然是他问了我汇编语言与高级语言的区别（答得不好）。

＃还有和以往不一样的是，jackson说到我可能做大型机比较适合，问我有没有兴趣。

我一开始是以为考我技术，就说知识有限。

没机会接触过大型机之类的（当时确实完全没有大型机的概念）。

H S B C I n t e r v i e w-汇丰银行面试问题36 Behavior questions1.Why do you want to work for the position?Tips: -Say it fits your skillsets: analytical, problem solving, great communicator-Say you spoke to______, who’s in this position, loved his experience2.Why do you want to work for the company?3.What differentiate you from other candidate?4. Tell me about yourself: Tell your life stories in 3 mins, more laid backWalk me through your resume: more formal, pick top experiencesTips: Prep for the two versions5. Tell me what you enjoy the most about your school experience.Tips: talk about academic, extracurricular activities and professional development6. Favourite course and least favourite course7. 5-10 YEAR Career GOAL8. How would working for our company help you achieve your long term goal?9. Hobbies outside class?Tips: Not just any hobbies. Try to tie the hobbies into the positionIf it is an analytical role that requires market knowledge, say you spent 3 hours a day to follow the newsIf its people type of role, say football experience, and tie it back to the position, say you learned to work with ppl through football, you are used to work with people, its part of you. So you want this role.10. Tell me about your previous work experience?11. Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at our job?Tips: Break down to academic experience including CFA, your work and extracurricular experiences12. Do you like working with others or working along.Tips: Say both depending on the nature of the work. Experienced working independently and working with a team in your role as a student ambassador for TMX( Work solo at U of T, work collaboratively with other ambassadors from other schools)13. Major accomplishment to date?14. Why do you think you will be the most successful candidate at this role.Tips: “ read job description, see your company is looking for people with skill 1, skill 2, skill 3”. Then elaborate the 3 skills you have that match with the job description.15. Do you work well under stress?16. . If someone you worked with was unable to carry out their responsibilities, would you assist them and how would you go about it?17. Tell me a time when you came up with a creative idea18.Talk about your best project19. Tell me about a time you displayed leadership20. Tell me about a time when you had to deal with an unsatisfied coworkers/ boss?21. There are times when we are faced with problems. Describe a time when you had to deal with a small problem before it became a huge problem.22. Describe a time where you failed in one of your job assignments23. Give me an example of how you suggested an idea to your boss and how you sold the idea to him.24. What was your best written achievement? How do you do research for the written piece?
25. describe a presentation you had to do26. When taking high risks, sometimes it is possible to have a failure. Have you taken a high risk, which has later worked fine, but initially you have questioned yourself whether it was worth to take the risk? /How you convince, what strategy you use to convince team to choose your solutions.27. tell me about a time when you proposed improvements to the company (or your boss)28. .tell me about a new transition that you had to me make and how you adjusted29. . 5 strengths & 3 weakness30. success story about demonstrating technical skills. Tell me a time when had to communicate something technical to someone with a non-technical background, in writing31. how have you dealt with a situation that was bound to fail32. Has anyone ever asked you or put you into a situation where your ethical decision making is jeopardized? How have you dealt with it? How did you handle difficult people at workplace33. Why choose the finance major?34. . Tell me about time you gave idea to another person? Coaching/ showing compassion / Use your knowledge to help someone/ Ask the right question/give a suggestion/helped someone?35. What was a situation where you failed to achieve your stated goal?/ Work below expectation.36. Do you make your opinions known when you disagree with the views of your supervisor?。

其次是关于题库的说明：1. 不同公司的网申题目各有不同，本文的适用范围为部分的外资银行网申测试的Verbal部分（20分钟，8篇24题），Numerical部分也有题库，不过大多是图表题，在20分钟20题的时限下搜索起来也很吃力，就不放上来了~2. 本篇中的试题难度在我经历过的各种Verbal考试中应该是最大的。

如果能练熟练顺，秒杀各种笔试Verbal（以去年的经验，有Roland Berger、Unilever、KPMG 等）应无压力3. 答案说明：T = True，F = False，C = Cannot say / Hard to say4. 本文中答案并非标准答案，但经N人亲测，正确率应在95%以上5. 对于试题答案有不同观点的，欢迎留言讨论~~我会及时更新更靠谱的答案滴~~ 1. Communication technologies are far from equivalent. A recent study comparing honesty across a range of different media revealed that people were twice likely to tell lies when using the phone than when communicating via e-mail. It had previously been assumed that people would be more inclined to fabricate the truth when using e-mail, due to the remoteness of the interaction making people more comfortable about deceiving others. On the contrary, it seems that anxiety over the accountability afforded by the recording of e-mail exchanges induces greater truthfulness. However, the research also noted that people are much more likely to be rude or insulting over e-mail, outweighing any benefits of increased honesty!1.1. An implication of the study is that if telephone conversations are recorded and people are aware of this fact, they are likely to be more truthful over the phone. Reference Answer: T1.2. People are unconcerned about the repercussion of e-mail untruths. Reference Answer: F1.3. It had been assumed that people would communicate more honestly when using e-mail than when using the telephone.Reference Answer: F2. There is often considerable scientific disagreement both about available reserves of natural resources and about the extent of environmental damage caused by particular pollutants. Even where the scientific evidence is incontrovertible. There may be political conflict, based on different vested interests, over the degree to which particular environmental controls should be accepted. Governments may, for example, refrain from introducing effective control if they fear these will adversely affect company profitability or jobs, even where the environmental cost of not introducing controls are considerable.2.1. There is always scientific debate around the facts regarding the reserves of natural resources.Reference Answer: T2.2. Very rarely is there conflict over the degree to which particular environmental controls should be accepted.Reference Answer: F2.3. Parties with a vested interest are more influenced by politics than science when deciding whether to implement environmental controls.Reference Answer: C3. Whilst high visibility crime such as night-time drunken disturbance has increased, total urban and rural crime, both reported and unreported, has fallen over the last two years, yet paradoxically people feel less safe, believing that the converse is the case. This fall in crime has coincided with a drop in the number of police officer on the street. A citizen’s fear of crime seems not to be a matter of reality at all- the visibility of law enforcement officials has a greater impact on their view of reality than hard facts.3.1. Reducing the number of police officer has led to a reduction in crime. Reference Answer: C3.2. Crime statistics support popular belief about the level of crime.Reference Answer: F3.3. People feel safer when there are more police on the street.Reference Answer: T4. There is no task more difficult than that of ensuring the education of children in modern society. Not only school, but also teachers and their roles have changed out of all recognition in the past few decades, thanks to the impact on teaching institutions by indoctrinating, and indoctrinated, reformist intellectuals bearing revolutionary ideas. To the perpetual indiscipline of youth has now been added the indiscipline of parents, many of whom interpret any reports of wrongdoing in school on the part of their offspring as a personal affront, or as the manifestation of the malice of teachers. As for the teachers themselves, whilst many arerespectable and learned men and women, who view it as their vocation to induct their charges into a civilization and a way of behaving, others attempt to influence youth merely to further their political or ideological ends.4.1. Some of those working in education have their own hidden agendas. Reference Answer: T4.2. Teacher with revolutionary ideas will attempt to influence their pupils for their own political ends.Reference Answer: F4.3. Some teachers who report children of wrongdoing do so because of malice, rather than nay legitimate reason.Reference Answer: C5. Last week, the competition commission outlined two packages to regulate the sale of extended product warranties, which provide repair/replacement for faulty goods beyond the manufacturer’s original guarantee. Whilst warranty sales are currently highly profitable, with some retailers attributing up to ¾ of their profits to this income stream, they are also criticized for offering poor value for money due to obscure clauses, which restrict payment in many, but the most unlikely claim scenarios. The first package-to ban retailers selling a full warranty on the day of purchase was condemned by all as draconian-whilst the other, rather milder, option of forcing retailers to provide full information on warranty exclusions and an obligatory 60–day “cool-off” period for customers, received a more balanced hearing.Because no one believes that the first option will ever be implemented, investors and analysts have focused more closely on the implication of the “milder” package. In a recent leaked research note, one analyst suggested that the implementationof the reform in the second package would place a staff-training burden on the retailer, which would lead to a significant increase in the cost of warranty sales, and a predicted 20% fall in actual sales.5.1. “Cool-off” periods are not c urrently offered by companies selling product warranties.Reference Answer: T5.2. It is likely that neither package will be implemented.Reference Answer: C5.3. Preventing retailers from selling warranties on the day of purchase of a product was felt to be too severe a restriction.Reference Answer: T6. All scientific knowledge is provisional. Everything that science knows, even the most mundane facts and long-established theories, is subject tore-examination as new information comes in. the latest data and ideas are scrutinized the most. Some recantations will be unavoidable, but this is not a weakness of science, but rather its strength. No endeavor rivals science in its incremental progress towards a more complete understanding of the observable universe.6.1. Science improves understanding on the basis of leaving unchallenged those theories that appear to work.Reference Answer: F6.2. Some facts in science cannot be challenged if any progress is to be made. Reference Answer: F6.3. That which is not observable cannot be part of the domain of science. Reference Answer: C7. The Statute on workplace safety requires that an employer should ensure, so far as is reasonably practicable, the health, safety and welfare at work of all full and part time employees, and also those not in direct employment who may be affected by acts or omissions at work. However, it is also the duty of employees to take reasonable care for their own health and safety and also that of other persons who may be affected by their acts or omissions at work, for example by complying with all notices on health and safety that are posted.7.1. If a workplace visitor is hurt due to an act of negligence by an employee then the employee may be held solely responsible.Reference Answer: C7.2. An employer has responsibility for the safety of visitors to his factory. Reference Answer: T7.3. Employees have negligible responsibility for workplace health and safety. Reference Answer: F8. Today’s historians aim to construct a record of human activities and to use this record to achieve a more profound understanding of humanity. This conception of their task is quite recent, dating from the development from 18th and early 19th centuries of scientific history, and cultivated largely by professional historians who adopted the assumption that the study of natural, inevitable human activity. Before the late 18th century, history was taught in virtually no schools, and it did not attempt to provide an interpretation of human life as a whole. This is more appropriately the function of religion, of philosophy, or even perhaps of poetry.8.1. That which constitutes the study of history has changed over time. Reference Answer: T8.2. Professional historians did not exist before 18th century.Reference Answer: C8.3. In the 17th century, history would not have been thought of as a way of understanding humanity.Reference Answer: T9. Whilst having similar effects on employees, there tend to be major difference between a merger and an acquisition. In an acquisition, power is substantially assumed by the new parent company. Change is often swift and brutal as the acquirer imposes its own control systems and financial restraints. Parties to a merger are likely to be evenly matched in terms of size, and the power and cultural dynamics of the combination are more ambiguous, integration is a more drawn out process.During an acquisition, there is often more overt conflict and resistance and a sense of powerlessness. In mergers, because of the prolonged period between the initial announcement and full integration, uncertainty and anxiety continue for a much longer time as the organization remains in a state of limbo.9.1. There tends to be a major power difference between parties in an acquisition. Reference Answer: T9.2. Mergers and acquisition tend to have distinctly different impacts on employees.Reference Answer: F9.3. Mergers yield a shorter period of anxiety and uncertainty amongst employees. Reference Answer: F10. Management is, in effect, the catalyst that is essential for converting the resources and raw material inputs of the operation into valued outputs and, in the process, ensuring that stakeholder needs are satisfied. Managers represent the critical factor, which economists refer to as “enterprise”, without which the other factors (land, labor and capital) cannot function. Managers are effectively the custodians of the organization’s resource, responsible for deciding w hat the resources should be used for, how best to use them, and to which customers the outputs should be targeted.10.1. Stakeholder needs are best served through the creation of valued outputs.Reference Answer: C10.2. Management has at least two major but different responsibilities. Reference Answer: T10.3. Managers must decide how best to handle all the resources at their disposal.Reference Answer: T11. There is no doubt that vegetarian food can be healthier than a traditional diet – indeed, research has demonstrated that vegetarians are less likely to suffer from heart disease and obesity than those who eat meat. One long-standing concern about a vegetarian lifestyle is the risk of failing to take in enough protein. However, historical calculations as to the amount of protein needed for a healthy lifestyle have recently been shown to overestimate the quantities needed, and if vegetarian select their food carefully they should be able to meet their protein needs.11.1. A balanced diet is more likely to promote health than any particular food or food group in isolation.Reference Answer: C11.2. Too much protein in the diet can lead to heart disease.Reference Answer: C11.3. Over time the recommendations as to what constitutes a healthy balanced diet have changed.Reference Answer: C12. Water, the most common liquid used for cleaning, has a property called surface tension. Molecules in the body of the water are surrounded by othermo lecules, but at the surface a “tension” is created as molecules are only surrounded by other molecules on the waterside. This tension inhibits the cleaning process, as it slows the wetting of surface due to tension causing the water to bead up. This is where water droplets hold their shape and do not spread. For effective cleaning to take place “surface tension” must be reduced so that water can spread. Surface-active agents, or surfactants, are chemicals, which are able to do this effectively.12.1. Surface-active agents, or surfactants, are only used for cleaning. Reference Answer: C12.2. Water is the only known liquid used for cleaning.Reference Answer: F12.3. If surfactant chemicals are added to water when cleaning a surface, surface tension will occur.Reference Answer: F12.4. The molecules on the waterside hinder the cleaning process. Reference Answer: T13. The biggest risk facing the world’s insurance companies is possibly the rapid change now taking place within their own ranks. Sluggish growth in core markets and intense price competition, coupled with shifting patterns of customer demand and the rising cost of losses, are threatening to overwhelm those too slow to react.13.1. Insurance companies are experiencing a boom in their core markets. Reference Answer: F13.2. Insurance companies are competing to provide best prices to customers. Reference Answer: T13.3. Insurance companies are coping well with increased price competition and rising losses.Reference Answer: C14. Short-sightedness is to a large extent inherited, its incidence varies from one family to another. The reason behind the link between the common incidence of short-sightedness and high intelligence is unclear. Previous generations thought that eyes could become strained by years spent poring over books, but a few decades ago the popular medical view was that short-sighted people gravitated towards the library because they found it hard to excel at sports. Recently there has been partial support for a theory that high intelligence and short-sightedness may, in fact, be part of a genetic package.14.1. The genetic link between intelligence and short-sightedness has recently been disproven.Reference Answer: F14.2. People from all families stand at an equal chance of being short-sighted. Reference Answer: F14.3. Intelligence is to a large extent inherited.Reference Answer: C15. The cosmic microwave background (CMB) radiation is the afterglow from the Big Bang, and weak as it may be today, these primeval microwaves hold valuable information about fundamental properties of the early universe. Slight differences, or anisotropies, in the brightness and polarization of the CMB reveal clues about the nature of the primeval plasma: that the discrepancies exist at all shows that the plasma was not perfectly uniform. The variations in the brightness seen in the CMB reflect differences in the density of the primordial plasma, whereas the anisotropic polarization reveals information about the dynamics of the early universe, such as the movement of material and the number of gravitational waves. The CMB, however, is not the only source of polarized microwaves and the cosmological polarization must thus be measured at different wavelengths so as to isolate them from foreground signals.15.1. The anisotropies of the CMB show solely that the primordial plasma was not uniform.Reference Answer: F15.2. The polarization of cosmic microwaves is measured at different wavelength so as to separate the foreground from the background signals.Reference Answer: T15.3. Through studying the cosmological microwaves, one may learn about the forces of gravity in the early universe.Reference Answer: T16. Workers are becoming increasingly concerned about company relocation due to its association with employee distress and isolation, which can be caused by issues such as the management of property transitions and loss of community ties. Furthermore, moving home can put a strain on worker’s financial resources and close relationships, especially for those working parents who may feel guilty about moving children to new schools. Regardless of the disruption created, some individuals are very willing to relocate, due to the potential for enhanced career prospects and long-term financial stability.16.1. Some people may feel guilty about the consequences of relocating. Reference Answer: T16.2. Company relocation has increased.Reference Answer: C16.3. The potential benefits of job relocation are seen, by some, to be worth the associated distress and strain.Reference Answer: T17. Political, economic and demographic developments are combining to increase the wealth of individuals leading economies. These individuals take a much more active role in managing their personal financial affairs and in determining how their assets should be invested for their long-term benefit. As a result, we are seeing the emergence of a new market, consisting of so-called “affluent individuals”. This structural trend is set to continue and will provide significant opportunities for financial services providers. This band of individuals has traditionally been dominated by old money inheritance, and this will remain a factor, but the rise of new affluent money is increasing as individuals benefit from higher salaries and compensation in the form of stock options. These new affluent individuals are also creating wealth as small business entrepreneurs.17.1. Affluent individuals want to manage their own assets rather than use financial service providers.Reference Answer: C17.2. Individuals cannot become “affluent” through inheriting old money. Reference Answer: F17.3. Inherited old money will be completely replaced by new affluent money. Reference Answer: F18. At the moment of GTC, like other European producers, is able to relieve at least some of its over-capacity by exporting, partly to Central America. A decade from now, that region will be largely self-sufficient and trade will be starting to flow the other way. However, for GTC investors, the company’s recent restructure could herald better times. The group’s lack of focus and lack-lustre returns have been much criticized of late.18.1. Central America will, in the future, begin to export less to Europe. Reference Answer: C18.2. Central American producers will find a ready market for their products in Europe.Reference Answer: C18.3. Restructuring generally produces an increase in profitability. Reference Answer: C19. The increasing fragility of the rural economy will be the biggest challenge facing country communities over the next ten years. Agriculture, which accounts for a quarter of rural job, is in decline. Tourism provides no more than half this number of job. The rural manufacturing sector, however, has grown over last ten years. Despite this, it still employs fewer than one in twenty people living in rural area, and is threatened by companies based in industrial areas, which benefit from access to a larger skilled workforce and better transportation networks.19.1. Industries based in rural areas benefit from better transport links. Reference Answer: F19.2. Manufacturing provides the fewest jobs in the countryside. Reference Answer: C19.3. The manufacturing sector is likely to be the main source of employment for rural workers in the future.Reference Answer: C19.4. Industries based in rural areas suffer from poorer transport links. Reference Answer: T20. In recent years, many issues have been considered when attempting to ameliorate the wellbeing of patients and the efficiency of hospital administration. Patients have often complained about endless waiting lists, low standards of cleanliness, poor hospital food, and unsatisfactory doctor-patient communication and now, according to an expert from a leading image consultancy, doctors’ dress codes and their general appearance must come under close scrutiny. Of healthcare professionals have an unwashed appearance, dirty nails or unkempt hair, this exudes the impression of recklessness, wearing red reminds patients of blood, and power dressing is discouraged because patients may feel undermined and less relaxed. Although campaign groups approve of healthcare professionals leading by example with high standards of hygiene in hospitals, some individuals argue that this potential new image legislation is merely a case of jumping on the bandwagon of the current media trend for home and lifestyle makeovers.20.1. Individuals have argued that the current media trend for lifestyle makeover is a direct result of the concern over the image of new legislations. Reference Answer: T20.2. New hospital legislation states that healthcare professionals must have clean fingernails.Reference Answer: T20.3. It is always preferable for healthcare professionals to wear blue instead of red.Reference Answer: C20.4. Individuals have argued that the current media trend for lifestyle makeover is a direct result of the concern over the image of healthcare professionals.Reference Answer: T21. One of the great paradoxes of entrepreneurship is that entrepreneurs must develop the capacity to engage the urgent with the emergent. Routine pressures force us to allow the urgent to dominate us, quarterly reports, market share, and tangible return on investment become paramount in this paradox, emergent (strategic) issues are often lost.The urgent presents itself in tangible shape and form, whereas the emergent is subtler in its appearance. Entrepreneurs need to pre-sense emergent reality, thus they require more than ordinary attentiveness. However, information consumes the attention of the recipient, and urgent information is by nature more demanding of attention than emergent. Yet it is an awareness of the emergent that frequently distinguishes the successful leader, the individual who can see through the reactive demands of day-to-day urgency to act rapidly upon the emergent trends that, if capitalized upon, can ensure commercial triumph. One way of ensuring time to identify the emergent is to make time for reflective moments in work life in order to restore the quality of attentiveness and see through the fog of the immediate. 21.1. It is easier to spot an emergent trend than an urgent issue.Reference Answer: F21.2. The present tends to be governed by the immediate demands. Reference Answer: T21.3. It is easy to lose sight of the strategic issues given the demands that immediate issues make.Reference Answer: T22. Some doctors claim that any information received from a patient during a medical consultation is subject ethically to absolute confidentiality and can in no circumstance be revealed without the patient’s permission. Without such a rule, they believe that patients would not supply all of the information needed to treat them. Most however, believe that their obligations to society override their obligations to their patients; for example, being prepared to report to the police a patient who persisted in driving, despite the existence of a condition that rendered them unsafe. One reason for such a conflict is that whilst courts recognize the confidentiality of exchange between lawyers and clients, this is not extended to doctor and patients.22.1. A doctor would report to the police a patient who was a danger to others. Reference Answer: C22.2. Patients rarely give permission for a doctor to discuss their medical details with others.Reference Answer: C22.3. Doctors are in agreement about the ethics and practice of patient confidentiality.Reference Answer: F23. Private airline companies have always been determined to operate a transport system that is safe for passengers, whilst still remaining competitively priced and commercially viable. However, a private sector business can only remain viable if it generates profits for its shareholders. Recent reports suggest that if all aircrafts were fitted with military derived ground-to-air missile defense system, and at all airports there was infallible screening for weapons and explosives then the system would be much safer. However, totally effective screening would preclude all possibility of profit, and current systems are still very thorough, whilst also providing a good cost-benefit ratio.23.1. Military aircraft are safer than commercial craft.Reference Answer: C23.2. More effective airline security systems than are currently in use are available.Reference Answer: T23.3. Current airline security systems provide the best possible mix of cost against benefit.Reference Answer: C24. Full employment is a concept, which is often referred to but seldom defined. Beveridge’s description comes close to what most economists understand by the term. In his view full employment means that “unemployment is reduced to short intervals of standing by, with the certainty that very soon one will be wanted in one’s old job again or will be wanted in a new job that is within one’s powers.” In other words, full employment does not mean zero unemployment, but allows for some measure of acceptable unemployment, for example, “frictional” unemployment whilst changing jobs.24.1. Definitions of full employment are abundant.Reference Answer: F24.2. Some economists do not understand full employment in Beveridge’s terms.Reference Answer: T24.3. In B’s view, full employment incorporates those unemployed people who are certain to regain work very shortly.Reference Answer: T25. The typical share-save scheme is a regular savings plan that gives employees the opportunity to purchase shares in 3.5 or 7 years time, should they choose to exercise the purchase option, at a discounted price fixed before the saving period starts. In addition to potential financial gains, the employee also has the opportunity to participate in future company development through the acquisition of shares. The employee does not have to pay income tax on any gains made on the exercise of the option to buy shares, though there may be a liability to capital gains tax if the shares are sold and the resulting gains cause that particularemp loyee’s level of capital gains liability to exceed the annual exempt amount.25.1. Employees usually exercise the option to sell their shares at the end of the saving period.Reference Answer: C25.2. Employees do not automatically have to pay Capital Gains Tax as a consequence of participating in share-save scheme.Reference Answer: F25.3. Individuals who sell shares generate no potential tax liability. Reference Answer: F26. Staff monitoring is a particularly tricky issue for managers – the only kind of staff monitoring not subject to regulation is where one individual watches another. Once any recording starts, even if it is manual, monitoring is subject to the Data Protection Act – employees need to be told about monitoring takes place and why. The information gathered has to be kept secure, and affected staffs have the right to see information related to them. Whilst a person’s consent is not required, he or she must be consulted about the processing of personal information (monitoring data is construed as “personal”), and monitoring practices must not cause unnecessary stress. However, covert monitoring without consultation may be used, but only in particularly serious circumstances, such as when a staff member is suspected of dishonest. In such a case, the covert surveillance (e.g. hidden cameras) must be in targeted areas and at times when the dishonest behavior is expected- any other information must be disregarded.26.1. It is not possible to avoid the Data Protection Act when monitoring staff.。

汇丰银行笔试经验分享
11.18刚刚做的hsbc笔试，先做的verbal，然后是num，verbal 大部分是原题，看机经题库啥的真心非常有用，但是num只碰到一道原题，就是rupee汇率的题目。

verbal题目：1 园艺师种植植物; 2 关于气候变化的全球协议; 3 gtc; 4 制造业创新发展; 5业余天文爱好者; 6 affluent individuals; 7 window shopping;
剩下的回忆不起来了。

对不住各位!
num：没碰到什么原题，这可肿么整啊!
1、挖矿的，在英国有几个矿，每个矿每年挖多少煤，每kg煤能生产多少电，还剩多少矿藏的表格，这题计算挺复杂，主要是一开始没弄清楚题目，真心难啊!~
2、admin和operational员工购买制服的成本，这题涉及到bulk discount，蒙了很多，汗~
3、rupee汇率，机经原题。

其实汇率的题目弄懂原理，掌握计算方法以后是最简单、最省时的。

同学们一定要掌握，要掌握啊!
4、各销售职员今年的销售量和利润的题目，题目挺简单，但是数字多，计算机按得比较久，希望在机经中做到这题的同学研究下快速的方法
5、某公司的revenue按地域、产品、客户分类，总的revenue 是200，题干会出现诸如“购买ibm的中国客户有多少”这样的题目。

1.AER&Anchor global insurance2.Annual number of nonfatal3.Average speed of four-wheeled vehicles4.Annual Air Traffic 1(bar）5.Annual Air Traffic 2 （bar)6.Bentrim Outsourcing – figures last year (list）poil Subsidiaries (bar)pany Figure at the end of the current financial year (list）puter Superstore (list）mnet and Intercall (bar）pany shared issues12.Contract sales13.Current value14.Demographic and Infrastructure information （South Africa, Australia， Argentina）(list)15.Demographic and Infrastructure information (UK， Brazil, India） (list)16.Darwin Enterprises Financial Information (list)17.Departmental Time Usage （list）18.Frequency of driver accidentsGreenco Subsidiaries （bar)19.Global white goods20.Granta Intrities21.Income of lazden22.Journey time Litden to Fellip （line)23.Lifestack Stores (list)24.Newmellum Retail Outlets (list） (practice)25.Operating Performance for International Paper Goods (IPG）（list)26.Order Placed with A。

汇丰(HSBC)笔试面试 BDP面经xx年1月23日19：36分，当和谐号徐徐开出深圳火车站，我的整个找工历程终于伴随着hsbc bdp final ac的结束而画上了一个完满的句号。

我的ac被安排在下午2点进行，地点是深圳香格里拉大酒店。

由于我错误估计春运对广深铁路的影响，因此9点半就从宿舍出发了，到了东门本来想搭263的，怎么知道等到9点50分来了一辆超多人的，一身正装的我就转去搭地铁了。

到了东站买到了10点36分的火车，到达深圳时间是11点33分。

然后狂晕，还有两个多小时啊，而且香格里拉大酒店就在火车站旁边。

于是我就到大家乐吃了顿午饭，然后就到商务中心等。

等到中午1点多，上午那组才面试完出来，狂担心下午自己体力不支。

我们同组的一共6个人，一个华工经济小硕，一个暨大金融小硕，一个中大金融小硕，一个广外国贸小本，一个香港人（英国帝国理工硕士，汗），怎么看我都是最不关事的……再次感慨一下hsbc hr的专业，他们把下午5个半小时安排的满满的，而且十分合理，让人大开眼界。

l2点到2点半，briefing，简要介绍下午的安排和我们所将要用到ac的case，其实就是网上那个澳门机场的case，年年用，不会改的。

头两个ac内容要用英文，最后一个group discussion中文就可以了。

2点半到3点，第一叠background information阅读时间，大概是15页双面的英文材料附加一大堆图表。

内容大概有公司简介，你个人新身份简介，公司开展什么服务，同行竞争对手情况等等等等。

看完半小时下来你基本只有一点模糊印象。

3点到3点半，我们分成了2个组，算我在b组吧，我们留在刚才那个room里面准备externalameeting，又一大叠的英文材料（10页双面）。

我们必须在这半个小时里面阅读所有材料，然后去到另外一个function room和一个accessor谈判，accessor扮演我们的竞争对手。

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