全國銀行招聘考試重點(diǎn)試題精編

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一、選擇題

1、資料：THOMASWILSON

15SpringDrive

Sometown,Wl53205

Home:(555)555-55551tw@

AdministrativeAssistant

Fouryearsofexperienceprovidingtop-notchsupporttoVPs,directorsandmanagers

?Administrative:Adeptlyhandleadministrativemattersincludingscreeningcalls,managing

calendars,planningmeeting,makingtravelarrangements,composingdocumentsandorganizing

officesforefficiency.

?Communications:Interactprofessionallywithalllevelsofstaffandmaintainthehighestlevelof

confidentiality,knownfortactanddiplomacyinhandlingsensitiveissues.

?Computers:Considereda"poweruser"ofMicrosoftOffice;quicklylearnandmasternew

technology.

EXPERIENCE

兇密ABCCOMPANY-Sometown,OR

封

線AdministrativeAssistant,2C09toPresent

ProvideadministrativesupporttotheinvestmentbankinggroupVPandfiveofherdepartment

directors.Answertelephonesandpromptlyandcourteouslyassistclientsandemployees

throughouttheorganization.Maintaincalendars,coordinatingextensiveappointments,meetings

anddomestic/internationaltravel.

?OfficeManagement:Overhauledrecordkeepingsysterrifrommanualtocomputer-based,

creatingauser-friendlyandsystematicinformationmanagementsystemandreducing

data-retrievaltime.

?TravelLogisticsManagement:Coordinateabusytravelcalendarthatincludessixinternational

symposiumsannually,ensuingalleventsaresuccessfullyexecuted.

?CustomerRelationshipManagement:TappedIntothepowerofPeopleSoftCRMAnalyticsto

恬

tracktheeffectivenessofleads,marketinginitiativesandrevenues.Generatedreportsthat

assisteduppermanagementwithdecisionmakingandweredistributedto200+employees

departmentwide.

TEMPORARYAGENCYASSIGNMENTS-Sometown,OR

AdministrativeAssistant,2C08to2009

AssignedbyDEFTemporaryAgencyandGHITemporaryAgencytoserveinadministrativesupport

rolesforclientsininvestorrelations,hightech,healthcareandrealestatesectors.

?HittheGroundRunning:Learnedorganizationalprocesses,policiesandprocedureswith

minimalramp-uptime.SuccessfullycompletedadministrativeassignmentsforABCCo.,JKLCo.,

MNOCo.andPQRCo.

?ServiceFocus:Adaptedtodiverseworkstylesandconsistentlyprovidedfriendly,personable

service.

?ExcellentPerformance:Offeredfull-timepositionattheconclusionoftemporaryassignmentat

ABCCo.

EDUCATION

ABCTRAININGACADEMY-Sometown,OR

CertificateinOfficeManagement,2009

Completed45-creditcertificateprogram.Focusedonousinessdataprocessing,software

applications,basicaccounting,businesscommunicationsandbusinesslaw.

WhichofthefollowingisNOTThomas'dutyatABCCompany?

A.ProvidesupporttotheinvestmentbankinggroupVP

B.Answertelephone

C.Maintaincalendars

D.Assistvisitors

2、下列選項(xiàng)中不屬于存貨范圍的是（）o

A.委任加工的存貨

B.購貨單位已交款并已經(jīng)開出提貨單，但尚未提走的貨物

C.尚在加工中的產(chǎn)品

D.款項(xiàng)已支付，但尚未運(yùn)達(dá)企業(yè)的存貨

3、資料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedinto

reverse,accordingtoastudybyDr.HarrisCooper;professorofpsychologyattheUniversityof

Missouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummer

vacation,they'velostonetothreemonthsworthoflearning.

Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"

saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunities

topracticereadingthanmath.Thestudyalsofoundthatincomehasanimpactonhowmucha

studentlosesorgainsinreading.Middle-classchildrenactuallygainedinreadingoverthe

summer;whilelower-incomestudentsexperiencedlosses.Cooperattributesthistcthe

enrichmentactivitiesthatmanymiddle-classkidsparticipateinoverthesummer,suchascamp

andtrips.

Yourkidsdon'thavetospendthesummerstuckinreverse."Parentscanhelptheirkidsretain

educationalskills,"saysCooper.Hesuggeststhefollowingfivetipstokickoffalearning-filled

summer.

1.Keeplotsofbooksaroundandmakeregulartripstothelibrary.Mostlibrariesschedulespecial

summereventsforkids.Signupyourfamily!

2.Thinkaboutwhatyourkdsmaybelearningnextyearwhenyouplanthefamilyvacation.Talk

withteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,

youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.

3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,tryto

dosomespecialplanningtofindmath-relatedactivities.Forexample,ifyoucan'tdecidewhether

tosignyourchildupfor"Shakespeare'sTheater"or"MathMagic"atthelocalcommunitycenter,

gowiththemath.

4.Considersummerschoolortutoring.Strugglingkidscangetalotofdifferentkindsofhelp

fromtheseprograms.Summerschoolcanalsoenrichandacceleratelearninginareaswherekids

showaspecialinterest.

5.Callthecurriculumcoordinatorinyourchild'sschooldistrict,visittheschoolboardoffice,or

contacttheschoolsofeducationatlocalcollegesanduniversitiestofindoutwhateducational

programswillbeofferedinyourareaoverthesummer.

Remembertokeepitfun!Youdon'twanttosouryourkidsonlearningduringthesummerbreak.

Whyisdeclineworseformaththanitisforreading?()

A.Becausethecommunityhavethelibraries

B.Becauseathometheparentswillmakekidsreadingmors

C.Becauseinsummervacationkidshavemoretimeinreading

0.Becausecommunityanchomegivekidsmoreopportunitiestoread

4、1011BH是()。

A.表示一個二進(jìn)制數(shù)

B.表示一個十六進(jìn)制數(shù)

C.表示一個十進(jìn)制數(shù)

D.一個錯誤的表示

5、下列對我國在高科技領(lǐng)域說法不正確的是()。

A.發(fā)展航天事業(yè)可以促進(jìn)我國經(jīng)濟(jì)的發(fā)展

B.高科技的競爭是綜合國力競爭的實(shí)質(zhì)

C.高科技的競爭僅是國力競爭的一方面，綜合國力競爭的實(shí)質(zhì)是軍事力量

D.航天事業(yè)的發(fā)展，能夠增強(qiáng)民族凝聚力

6、Sheneverforgavehimfor___hedidher.Neithercouldheridhimselfofthefeelingofguiltfor

havingtreatedherthatway.

A.wronging

B.awrong

C.wrong

D.thewrong

7^資卷I■:Business,academicandcivicleadersinCambridgehavewarnedthatoneofBritain's

majoreconomicgrowthcitiesisunderthreatunlessthegovernmentactsquicklytorestoretrust

cameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanother

teamofoutsiders(fromajust-acquiredfirm)cameupwithWeixin.WhenTencentlaunchedthe

newappjtmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.

Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda"red

packet^campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilyto

celebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwas

cleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanof

AndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,

ofteninrandomizedamounts.

Whichofthefollowingismentionedinparagraphone?

A.Onthemainland,mobiledevicescostalot

B.TextmessagesarelessexpensivethanmessagingappinAmerica

C.Chinesepeoplelikemessagingappsmorethantextmessages

0.Americanmessagingappsarenotfree

10、資格I?:Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.

Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition,Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless,someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatebeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattacks(網(wǎng)絡(luò)攻擊).Andthe

solutionsthattheEuropeanregulatorsproposetodealwitntheseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreakthe

rules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.

Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivitiessuchas

lendingmoneyitmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary.

WhatcanbeinferredfrompassageontheeffectsofPSD2inthesecondparagraph?

A.Customersaremorelikelytoenjoymoreinnovativeservices

B.Peoplewillnolongergotobankstodeposittheirmoney

C.Serviceprovidersdonotwanttopartnerwithbanks

0.Peoplewillreceivemorepension

11、資料：Britainisfacinga“crisisoffatherlessnessMinwhichalmosthalfofallchildrenborn

todaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthe

thinktankfoundedbylainCuncanSmithhaswarned.

AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister;

arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenand

boostedcognitiveskillsincludingreasoningandlanguagedevelopment.

Cookclaimedtherewastoomuchofa“throwawayculture**toparenting,adding:/zOverthelast

40years,themeteoricriseinfamilybreakdownhasblighted（損害）thelivesofthepoorest

childrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,how

welltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsas

adults.”

Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedtnata

cultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceof

parentingoncecoupleshadseparated/Weneedasocietalshiftinperspectivefromregarding

fathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild'slife."hesaid.

Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotential

impactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.

Histhinktank'sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenot

livingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.

Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educational

failure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,

headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,

Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthe

mosttalentedchildrenfrompoorerfamilies.

TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM's

povertyadviser,saidthehopeofthepreviousstrategywasto“startaparenting

revolutionfortoolongpoliticianslookedawayasfamilyinstabilityandpoorchild

developmentblightedlivesinthepoorestneighbourhoodsz7zParentswantwhat'sbestfortheir

children,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwe

wanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthy

relationships^

Itiswidelybelievedthatfathers.

A.tendtooverlooktheimportanceofparenting

B.helptopreventchildrenfromcommittingacrime

C.arenotindispensableinthegrowthoftheirchildren

D.improvekidszdevelopmentofcognitiveskills

12、不屬于資產(chǎn)管理理論基礎(chǔ)的是（）。

A.商業(yè)性貸款

B.轉(zhuǎn)移理論

C.預(yù)期收入理論

D.經(jīng)營管理理論

13、Passage2

Merchantandpassengersnipsaregenerallyrequiredtohavealifepreserverforeveryperson

aboardandinmanycases,acertainpercentageofsmallersizesforchildren.AccordingtoUnited

Statesrequirementsjifepreserversmustdesign,reversiblecapableofbeingquicklyadjustedtofit

theuninitiatedindividual,andmustbesodesignedastosupportthewearerinthewaterinan

uprightorslightlybackwardposition.

SufficientbuoyancyO孚力）tosupportthewearershouldberetainedbythelifepreserverafter48

hoursinthewater;anditsnouldbereliableevenafterlongperiodofstorage.Thusitshouldbe

madeofmaterialsresistanttosunlight,gasoline,andoils,anditshouldbenoteasilysetonfirs.The

positioninwhichthelifepreserverwillsupportapersonwhojumpsorfallsintothewateris

mostimportant,asisitstendencytoturnthewearerinthewaterfromaface-downpositionto

anuprightorslightlybackwardposition,withhisfaceclearofthewatecevenwhentheweareris

exhaustedorunconscious.

Themethodofadjustmenttothebodyshouldbesimple,andself-evidenttouninitiatedpersons

eveninthedarkundertheconfusedconditions,whichfollowadisaster.Thus,thelifebereversible

thatitisnearlyimpossibletogetitonwrong.Catches,$traps,andtiesshouldbekepttoa

minimum.Inaddition,thelifepreservermustbeadjustabletothewidevarietyofshapesandsizes

ofwearers,sincethisgreatlyaffectsthepositionoffloatingandtheself-rightingqualities.A

suitablelifealsobecomfortabletowearatalltimesjnandoutofthewater,notsoheavyasto

encouragetotakeitoffonshipboardwhiletheshipisindanger,norsoburdensomethatit

hindersapersoninthewaterwhiletryingtoswim.

UnitedStatesCoastGuarddoesNOTrequirethelifepreservertobemade（）.

A.withasfewstringsaspossible

B.capableofbeingwornonbothsides

C.accordingtoeachwearer'ssize

D.comfortableandlighttowear

14、下列抽樣方法中，屬于非概率抽樣的是（）。

A.分層抽樣

B.整群抽樣

C.判斷抽樣

D.等距抽樣

15、營業(yè)利潤不包括以下哪項(xiàng)內(nèi)容？（）

A.營業(yè)外收入

B.營業(yè)收入

C.投資收益

D.其他業(yè)務(wù)收入

16、4輛車運(yùn)送貨物，每輛車可運(yùn)16次；7輛車運(yùn)送，每輛車只能運(yùn)10次。設(shè)增加的車輛

數(shù)與運(yùn)送減少的次數(shù)成正比，且每車次運(yùn)送貨物相等，運(yùn)送貨物總量最多是多少車次？（）

A.72

B.74

C.64

D.68

17、下列關(guān)于運(yùn)人行進(jìn)行核算的會計(jì)分錄，正確的是（）。

A.借：銀行存款貸：分行轄內(nèi)往來

B.借：現(xiàn)金貸：分行轄內(nèi)往來

C.借：分行轄內(nèi)往來貸：現(xiàn)金

D.借：分行轄內(nèi)往來貸：銀行存款

18.資料：Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dream

eventsareimaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.

Theyseemrealwhiletheyaretakingplace.Somedreamsa"epleasant,othersareannoying,and

stillothersarefrightening.Everyonedreams,butsomepersonsneverrecalldreaming.Others

rememberonlyalittleaboutadreamtheyhadjustbeforeawakeningandnothingaboutearlier

dreams.Noonerecallsallhisdreams.

Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappens

tohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.People

seeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Mostdreams

occurincolor.Dutpersonswhohavebeenblindsincebirthdonotseeatallindreams.

Dreamsareaproductofthesleeper'smind.Theyincludeeventsandfeelingsthathehas

experienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishes

ofthedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishes

orfears-especiallythoseheldsincechildhood-oftenappearindream,andmanydreamsfulfil

suchwishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofa

dream,buttheydonotcausedreams.

Somedreamsinvolvedeepfeelingthatapersonmayrealizehehas.Psychiatristsoftenuse

materialfromapatient'sdreamstohelpthepersonunderstandhimselfbetter.

Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.People

whogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousand

restless.

Accordingtothepassage,dreamsresultfrom.

A.thesleeper'sownmind

B.thesleeper'sfeeling

C.thesleeper/simagination

D.thesleeper'swishes

19、2019年，我國規(guī)模以上工業(yè)增加值增長5.7%。在規(guī)模以上工業(yè)中，分經(jīng)濟(jì)類型看，國

有控股企業(yè)增加值增長4.8%;股份制企業(yè)增長6.8%,外商及港澳臺商投資企業(yè)增長2.0%；私

營企業(yè)增長Z7%。分門類看，采礦業(yè)增長5.0%,制造業(yè)增長6.0%,電力、熱力、燃?xì)饧八?/p>

生產(chǎn)和供應(yīng)業(yè)增長7.0%。

全年規(guī)模以上工業(yè)中，農(nóng)副食品加工業(yè)增加值比上年增長1.9%,紡織業(yè)增長13%,化學(xué)原

料和化學(xué)制品制造業(yè)增長4.7%,非金屬礦物制品業(yè)增長8.9%,黑色金屬冶煉和壓延加工業(yè)

增長9.9%,通用設(shè)備制造業(yè)增長4.3%,專用設(shè)備制造業(yè)增長6.9%,汽車制造業(yè)增長1.8%,

電氣機(jī)械和器材制造業(yè)增長10.7%,計(jì)算機(jī)通信和其他電子設(shè)備制造業(yè)增長9.3%,電力、熱

力生產(chǎn)和供應(yīng)業(yè)增長6.5%。

2019年主業(yè)工業(yè)產(chǎn)品產(chǎn)量及其增長速度

產(chǎn)品名爵?位產(chǎn)受比上年才長（%）

萬寸2892.1T.1

C*575.6-17.6

萬t5952.89.9

1%彳萬啜1389.415.9

嗪423642.51.1

當(dāng)金■現(xiàn)貝萬包18999.1-3.5

其?：城人■里￡萬*18689.7-1.5

萬臺7904.36.3

9TZ/誦■鼻2186624.3

一次?《充3975.1

憶?38.54.0

戛博萬噂19101.40.9

天抬,名土方關(guān)1761.710.0

2房X小門75034.34.7

X審，大,卬】“?工—?八r4氣N52201.S2.4

京一憶*夏△管13044.45.9

<<《手更小”3483.518.3

萬19963427.2

萬啜120477.4S3

--干包金U萬噸5866.022

萬噸978.45.5

m)乃t3504.4-2.2

京龍23.54.9

<*(干100%)萬可8935.7-1.3

今減（千100%）?W3464.4-0.3

萬］2052.310.2

RE(F100%)萬啜5731.26.1

息電町遇萬華夏9274.1-14.9

汽客萬制2552.8-8.3

天一：春女31f（r>>工工1016.2-16.4

之/3多工工食W（sv\）876.0-3.6

人?2黑。*'.萬臺27.85.9

憶立2018.28.9

萬或7M.5-23.7

號今:手”二萬叁170100.6-3.5

年幺丁”「玄+萬自34163.28.2

二工______________________下自<>>17.7_______?31

年末全國發(fā)電裝機(jī)容量201066萬千瓦，比上年末增長5.8%。其中，火電裝機(jī)容量119055

萬千瓦，增長4.1%；水電裝機(jī)容量35640萬千瓦，增長1.1%:核電裝機(jī)容量4874萬千瓦，

增長9.1%；并網(wǎng)風(fēng)電裝機(jī)容量21005萬千瓦，增長14.0%；并網(wǎng)太陽能發(fā)電裝機(jī)容量20468

萬千瓦，增長17.4%。

全年全社會建筑業(yè)增加值70904億元，比上年增長5.6%。全國具有資質(zhì)等級的總承包和專

業(yè)承包建筑業(yè)企業(yè)利潤8381億元，比上年增長5.1%,其中國有控股企業(yè)2585億元，增長

14.5%。

圖22015-2019年建筑業(yè)增加值及其增長速度

2015至2019的五年期間，我國全部工業(yè)增加值增加了約（）億元。

A.82140

B.41990

C.71703

D.16020

20、Today,only4millionpeopleliveandworkonfarmsintheUnitedStates,buttheyproduce

morethanenoughfoodfor200millionAmericans.Theyareabletodothisbecausemodern

agriculturedependsmoreonup-to-datemachineryandscientificmethodsthanitdoeson

old-fashionedknowledgeandhumanlabor.

Thesedays,onemanorwomanspendinganafternooninanair-conditioned,stereo-equipped

tractorcandotheworkthatyearsagowouldhaverequiredhundredsofhoursofback-breaking

drudgery.

Asaresultofthemodernizationofagriculture,thefarmoftodaylooksalotlikeafactory.When

thefarmer'shenslaytheireggs,conveyorbeltscarrytheeggsofftobesortedandpacked.Ifthe

farmerkeepspigs,thosepigswillnotbewallowinginthemud,butlyingaroundinsanitary

pens.Andthefarmerislikelytobefoundstudyingacomputerprint-outoflong-rangeweather

conditions.Whyisn'tthefarmermilkingcowsinthebarn?Theansweriseasy:Amachineisdoing

it.

Thisrelianceonmoderntechnologyhasitsproblemsforfarmers.Thetractorsthatplowtheir

fields,thecombinesthatreapandthreshthegrain,andthesilosthatstorethegrainforwinter

feedingareallveryexpensive.Forexamplessingletractorcancostasmuchas$50,000.Without

thisequipment,farmerscouldnotruntheirfarmsprofitaby,but,topayforit,farmersmusttake

outlargebankloans.Asinglebadseasoncouldputthemdeeplyindebt.And,whenthemachinery

wearsoutorbecomesobsolete,thefarmersmustreplaceitwithnewer,moreexpensive

models.StilLmostfarmersarewillingtoputupwiththesedifficultiesbecausetheirmachines

havefreedthemfromtheheavylaborandhardlifethatfarmershadtoendureinthepast.

WhichofthefollowingstatementsisNOTtrueaccordingtothepassage?()

A.Amodernfarmandafactoryaresimilarinsomeaspects

B.Farmmachinesareexpensive

C.Farmersareunwillingtoreplacetheirworn-outmachinery

0.Farmershavetoborrowalotofmoneyfortheequipmenttheyneed

21、Ihopewecanflytomoononeday.

A.a

B.an

C.the

D./

22、Passage2

Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoy

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.DankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystorejsgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticularjtisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack(網(wǎng)絡(luò)攻擊).Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingtheIcensesofthirdpartiesthatbreakthe

rules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarket

evolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—such

aslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary

Whatisthepassage