全國銀行招聘考試重點(diǎn)試題精編

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一、選擇題

1、OnbehalfofboardofdirectorsIappreciateyouforprovidingtheinformation.

A.request

B.requester

C.requesting

D.requested

2、Humansurvivalhasbeenbasedonunrivaledadaptationtotheenvironment,butplantsand

animalswillandareinevitablysuccumbing（.）subtlechangesintheclimate.

A.in

B.without

C.with

D.To

??j3、總分類賬與明細(xì)分類賬平行登記四要點(diǎn)中的“依據(jù)相同〃是指（）。

兇由A.總分類賬要根據(jù)明細(xì)分類賬進(jìn)行登記

01B.明細(xì)分類賬要根據(jù)總分類賬進(jìn)行登記

IC.根據(jù)同一會計憑證進(jìn)行登記

iD.由同一人員進(jìn)行登記

：4、下列產(chǎn)品中，能夠計入當(dāng)年GDP的是（）。

iA.中央政府對地方政府的轉(zhuǎn)移支付

iB.某人花100萬美元在美國買的一棟新房

!C.企業(yè)從國外購買的一臺服務(wù)器

D.某企業(yè)當(dāng)年生產(chǎn)沒有賣掉的20萬元產(chǎn)品

5、Theprimarypurposeoftheconcernedgroupandindividualsistothegreenhouse

恬

gasesandpollutants.

A.deposit

B.decrease

C.deviation

D.deprival

6、資料：RahulChadha,co-chiefinvestmentofficerforHongKong-basedMiraeAssetGlobal

Investments,hasafewchartsheisparticularlyfondofwhenitcomestotellingastoryabout

investinginChina.

OneshowsincomegrowthinChina.Basedonthecurrentrateofexpansion,heexpectsthe

world'ssecond-biggesteconomywillachievehighincomestatus—definedasincomeofalmost

$12,500percapita—ineightyears.Thesecondshowsaratioofhouseholddebttogross

domesticproductforanumberofcountries.ForthriftymainlandChinahouseholds,theratiois

28percent.ThatcomparestoIndiaatoneendofthescaleat15percentandtheUKattheother

with90percent.

So,basedontheirincomeandpotentialtoborrow,theChinesehavespendingpowerandthe

potentialtoincreaseit.ThegrowingmuscleofChineseconsumersisnot,ofcourse,anew

investmentthemewhenitcomestoAsia.Butatatimewhenwagegrowthismutedinother

largeeconomies,suchastheUSandtheEurozone,thesituationinChinaissurprisingly

overlookedratherthancelebrated.DisposableincomeperhouseholdinChinarose7.3percent

inrealtermsinthefirsthalfofthisyear.Thatsurpassesthe6.9percentpaceatwhichthe

economyexpandedintheperiod.Moreover,thenumberofjobscreatedinurbanareascamein

at8.55minthefirstsevenmonthsof2017,accordingtodatafromJPMorgan,nottoofarfrom

theyear-endtargetof11m.Insharpcontrast,Indiaisgeneratingroughlylmjobsayearatatime

whenitneedstofashion10timesmoretoabsorbtheyouthstreaminginfromthecountrysidein

searchofabetterliving.

It'snotjustthelevelofincomethatisimprovinginChina.Itsdistributionistoo.Thegovernment

isspendingmoreonasocialsafetynet,andprovidesmorebywayofpensionsandmedicines,

includingmedicalcareandeducation/lnawaythisiscatchup,“HaibinZhu,chiefChina

economistatJPMorgan,saysoftheincomegrowthinChina.Mlnawayitreflectsthefactthatthe

workingagepopulationisceclining.Butforthepast10yearsincomeisgoingupforthemajority

ofpeoplesteadilyandgradually//

It'sanespeciallynotableachievementgiventhatsomeoftheotherforcesatworkintheChines

economyarefarfromhelpful.Theexpansionofthesharingeconomyandevergrowingroleof

technologyacrossmostsectorsisultimatelydeflationary.Automationisincreasinglydisplacing

manufacturingjobs.Atthesametime,sophisticatedcomputersarenoweliminatinglowend

servicejobs.

Asinvestorssurveytheeffectsofincomegrowth,itistheneweconomy,withitsemphasison

servicesandconsumption,andprivatecompaniesinit,thatarethebeneficiariesastheycaterto

theappetitesofagrowingmiddleclass.MrChadha,forexample,isafanofcompaniessuchas

Ctrip,anonlinetravelapp,healthcare,insurerssuchasPingAn,(ratherthanthestateowned

behemoths)andinternetande-commercefirms.Ctripforexamplehas75percentmarketshare

inonlinetravel.

Whatisthemainideaofthispassage?

A.TheworldeconomyreliesonChina'seconomy

B.Chineseconsumershavegreatpotential

C.OthercountriesshouldlearnfromChinabydevelopingasharingeconomy

0.Chinesegovernmentisimprovingpeople'slives

7、Thecompany'sproductionhasbeenputontheright.

A.orbit

B.course

C.route

D.track

8、在Excel中,對單元格“$D$2〃的引用是（

A.絕對引用

B.相對引用

C.一般引用

D.混合引用

9、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.Cooperattributesthistothe

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'twanttosouryourkidsonlearningduringthesummertreak.

Howdoseincomeaffectastudent'slosesorgainsinsummerlearning?（）

A.Lower-incomechildrenexperiencedloseinmathoverthesummer

B.Middle-classchildrengainedinlearningoverthesummer

C.Lower-incomechildrengainedinmathoverthesummer

D.Middle-classchildrensufferedloseinmathoverthesummer

10、閱讀下列短文，從短文后各題所給的四個選項(xiàng)中，選出可以填人空白處的最佳選項(xiàng)。

Thegovernmentistobanpaymentstowitnessesbynewspapersseekingtobuyuppeople

involvedinprominentcases?1?thetrialofRosemaryWest.

Inasignificant?2?oflegalcontrolsoverthepress,LordIrvine,theLordChancellor,will

introducea?3?billtha:willproposemakingpaymentstowitnesses?4?andwillstrictly

controltheamountof?5?thatcanbegiventoacase?6?atrialbegins.

InalettertoGeraldKaufman,ChairmanoftheHouseofCommonsMediaSelectCommittee.Lord

Irvinesaidhe?7?withacommitteereportthisyearwhichsaidthatselfregulationdidnot?

8?sufficientcontrol.?9?ofthelettercametwodaysafterLordIrvinecauseda?10?of

mediaprotestwhenhesaidthe?11?ofprivacycontrolscontainedinEuropeanlegislation

wouldbelefttojudges?12?toParliament.TheLordChancellorsaidintroductionofthe

HumanRightsBill,which?13?theEuropeanConventiononHumanRightslegally?14?in

Britain,laiddownthateverybodywas?15?toprivacyandthatpublicfigurescouldgoto

courttoprotectthemselvesandtheirfamilies.

MPressfreedomswillbeinsafehands?16?ourBritishjudges,whesaid.

Witnesspaymentsbecamean?17?afterwestwassentencedtolOlifesentencesin1995.Up

to19witnesseswere?18?tohavereceivedpaymentsfortellingtheirstoriestonewspcpers.

Concernswereraised?19?witnessesmightbeencouragedtoexaggeratetheirstoriesin

courtto?20?guiltyverdicts沖國工商銀行真題］

A.with

B.to

C.from

D.by

11、某企業(yè)2019年的總資產(chǎn)周轉(zhuǎn)次數(shù)為1次，假設(shè)資產(chǎn)由流動資產(chǎn)和固定資產(chǎn)組成；流動

資產(chǎn)周轉(zhuǎn)次數(shù)為3次，如果一年按360天計算，則該企業(yè)固定資產(chǎn)周轉(zhuǎn)天數(shù)為（：天。

A.360

B.240

C.120

D.860

12、亞當(dāng)*斯密的公平理論中公平比較對象不包括（）

A.自我一一內(nèi)部

B.自我一一外部

C.別人內(nèi)部

D.內(nèi)部一一外部

13、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.Forexample,asingletractorcancostasmuchas$50,000.Wi:hout

thisequipment,farmerscouldnotruntheirfarmsprofitably,but,topayforitjarmersmusttake

outlargebankloans.Asinglebadseasoncouldputthemdeeplyindebt.And,whenthemachinery

wearsoutorbecomesobsolete,thefarmersmustreplaceitwithnewer,moreexpensive

models.Still,mostfarmersarewillingtoputupwiththesedifficultiesbecausetheirmachines

havefreedthemfromtheheavylaborandhardlifethatfarmershadtoendureinthepast.

Itcanbeinferredfromthethirdparagraphthat().

A.moderntechnologyhasbroughtaboutalotoftrouble

B.moderntechnologyhascostfarmersalotofmoney

C.farmerswereputdeeplyindebt

D.moderntechnologyhasreleasedfarmersfromheavylabor

14、資料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslisting

fortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionson

fishingandothermaritimetrades.Environmentalgroupswho'dbeenpushinganendangered

listingsaidtheproposalwasa“turningpointwtheyhopewillleadtogreaterturtleprotections.

"\thinkit'shugedayforloggerheadseaturtles,wsaidBethRiff,amarinewildlifescientistat

Oceana.Mitreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedsto

bedonetoprotectthem/Withallthatattentiontopaidrothem,you'dthinkthesecreatures

wouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsof

fairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledby

fishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesin

Floridaoverthelastdecadeasevidenceoftrouble.

Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehard

shellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakea

frenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250

pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.

BarbaraSchoder,nationalseaturtlecoordinatorforNOAA'sfisheriesdivision,saidthebiggest

threatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainly

inJapan,aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSan

Francisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlongline

fishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,the

mainthreattoturtlesisgearfromtheregion'svariousfishenesSchodersaid.

Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthe

species,Riffsaid.Butthegovernmentwouldalsohavetodeterminez/criticalhabitats,“suchas

wheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfor

theturtles,includingrestrictionsonmaritimedevelopmentorfishing.

Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobal

warmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhich

theturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherby

threatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesas

well,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leaving

ourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.

Whatconstitutesamajorthreattothesurvivalofturtlesontheeastcoast?（）

A.Contaminationofseawater

B.Theinadequatefoodsupply

C.Theirlowerreproductiveability

0.Unregulatedcommercialfishing

15、ThiswellestablishedleaderinWorldwideAviationTrainingisabletogiveyouthebest

trainingthatmeetsyourtrainingneeds,yourbudgetandyourtime.

A.most

B.possible

C.kind

0.better

16、下列各項(xiàng)中，既包含在MO中，又包含在Ml中的是（）。

A.流通中的現(xiàn)金

B.農(nóng)村存款

C.企業(yè)單位活期存款

D.城鄉(xiāng)居民儲蓄存款

17、按照《勞動合同法》E勺有關(guān)規(guī)定，企業(yè)進(jìn)行經(jīng)濟(jì)性裁員時，應(yīng)當(dāng)優(yōu)先留用的勞動者中不

包括（）。

A.與本單位訂立無固定期限勞動合同的

B.與本單位訂立較長期限的固定期限勞動合同的

C.因公負(fù)傷在規(guī)定的醫(yī)療期滿后還不能從事原工作的

D.家庭無其他就業(yè)人員，有需要扶養(yǎng)的老人或者未成年人的

18、下列是美國作家的是（工

A.歌德

B.馬克?吐溫

C福樓拜

D.巴爾扎克

19、—Guess,howmuchdoesitcost?

—Ithinkitcosts_15and20dollars.

A.from

B.between

C.among

D.with

20、Stereotypeswomen'srolestodutieswithinthedomesticsphere,suchasfood

preparationandchildcare。

A.confine

B.limit

C.restrain

D.conform

21、資**：Thisexhibitionbringstogetheroutstandingworksfromtheearliesttimestothepresent

inathematicarrangement:hatisfreshandunique.

Withworksspanning5,000years,nosuchcross-culturalexhibitiononthisscalehaseverbeen

attempted.Theexhibitionfeaturesover150ofthefinestbronzesfromAsia,AfricaandEurope

andincludesimportantdiscoveriesaswellasarchaeologicalexcavations.Manyofthepieceshave

neverbeenseenintheUK.

Arrangedthematically,Bronzebringstogetheroutstandingworksfromantiquitytothepresent.

DifferentsectionsfocusontheHumanFigure,Animals,Groups,Objects,Reliefs,Gods,Headsand

Busts.TheexhibitionfeaturesstunningAncientGreek,RomanandEtruscanbronzes,throughto

raresurvivalsfromtheMedievalperiod.TheRenaissanceisrepresentedbytheworksofartists

suchasGhiberti,Donatello,Cellini,andlaterGiambologna,DeVriesandothers.BronzesbyRodin,

Boccioni,Picasso,JasperJohns,Moore,BeuysandBourgeoisarerepresentativeofthebestfrom

the19thcenturytotoday.

Bronzehasbeenemployedasanartisticmediumforoverfivemillennia.Itisanalloyconsisting

mainlyofcopper,withlesseramountsoftin,zincandlead.Duetoitsinherenttoughnessand

resistance,thematerial'susesoverthecenturieshavebeenremarkablyvaried.Asectionofthe

exhibitionhasbeendevotedtothecomplexprocessesinvolvedinmakingbronze,enabling

visitorstoexplorehowmodelsaremade,castandfinishedbyavarietyofdifferenttechniques.

Theexhibitionoffersauniqueexplorationofartisticpractce,anunderstandingofthephysical

propertiesanddistinctivequalitiesofbronze,andtherareopportunitytoseetheverybest

examplesinoneplace.

BronzehasbeenorganizedbytheRoyalAcademyofArts.-heexhibitioniscuratedbyProfessor

DavidEkserdjian,oftheUniversityofLeicester'sDepartmentoftheHistoryofArtandFilm,and

CeciliaTreves,ExhibitionsCuratorattheRoyalAcademyofArts,withanadvisorycommitteeof

expertsintherelevantfields.

Peoplewhogotothisexhibitioncanlearnallofthefollowingsexcept.

A.theprocessesofmakingbronze

B.thebestworksofbronze

C.thepropertiesandqualitiesofbronze

D.somenewmediaart

22、ConstructiononanewwingattheMarkunasMuseumassoonasadditionalfundinghas

beenarranged.

A.hasbeenresumed

B.toberesuming

C.wasresumed

D.willresume

23、某商場節(jié)日促銷期間，為了吸引人氣將某商品統(tǒng)一標(biāo)價，售價在標(biāo)價基礎(chǔ)上打八折，平

均下來，每件商品虧損4元，已知該商品的標(biāo)價是成本的1.2倍，則在促銷期間，1059元最

多能購買（）件這種商品。

A.13

B.11

C.12

D.10

24、資料：Directions:Thereis1passageinthispart.Thepassageisfollowedbysomequestions

orunfinishedstatements.Foreachofthemtherearefourchoices,Youshoulddecideonthebest

choice.

Yourfaceisthefutureofsmartphonesecurity.Applemadethatclearlastweekwhenitunveiled

thepriceyiPhoneX.Appleclaimstohaveconqueredmanyofthechallengesthathaveprevented

thewidespreaduseoffacialbiometrics.Butanumberofcomputer-visionresearcherssaythey

areskepticalthatasmartphone-basedsystemlikeFacelDcanaccountforthingslikevariable

lightingconditionsorsubtlechangesinaperson'sappearancetocreateasecure-yet-practical

waytounlockaphoneadozenormoretimesaday.

Apple'snewtechnologydoessoundpromising.ThecompanysaysFacelDcreatesa“precise

depthmap“ofone'svisagebyprojectingmorethan30,000infrareddotsagainstaperson'sface,

thenusingthephone'sinfraredTrueDepthcameraandhigh-powermicrochiptocollectand

analyzetheresults.Usersarealsoaskedtoturntheirheadastheyscansothephone's

machine-learningalgorithrrcanmeasurethefacefromseveralanglesandcreateamoredetailed

3-Dmapoftheirfeatures.Oncethemapiscreatedandstored,theiPhoneXusesinfraredlightto

helpFacelDscanaperson'sfaceeveninthedark.Meanwhile,machine-learningalgorithms

runningonthephonekeeptrackofchangesinaperson'sappearance-includingglasses,facial

hairandhats—sothesmartphone'saccuracyimprovesovertime.

Despiteadvancesinfacialrecognitioninrecentyears,itremainsunclearwhetherFacelDwill

workinavarietyofconditionswhilealsokeepingtheiPhoneXsecure.Hackers,forexample,

quicklyfoundawaytobypasstheSamsungGalaxyS8'sfacial-recognitionscannerwhenitwas

introducedinMarch:Theytrickedthedevicebysimplyshowingitaphotooftheuser.FacelD's

useof3-Dfacialmapscouldaddressthatproblem.Buthistoricallyithasbeenabigchallengefor

suchasystemtorecognize*acesunderdifferentlightingconditionsandfromavarietyofangles.

AppleshowedoffFacelDlastweekunderrelativelycontrolledconditions,saysArunRoss,a

professorofcomputerscienceandengineeringatMichiganStateUniversity."Clearlythedemo

wasveryinteresting,"hesays."Butatthesametimesomeextraordinaryclaimsweremade."

Apple'sSchillersaid,forexample,thatthechancearandomperson*sfacecouldunlock

someoneelse'siPhoneXwasoneinamillionmuchmoresecurethanTouchlD.Rosssays,

however,thatitisnotclearhowoftenFacelDfailstorecognizeitsowner.Whencontacted,Apple

declinedtoelaborateonSchiller'scomments.

“Likeallbiometrics,FacelDwillhaveaproblemwithrevocation/saysVitalyShmatikov,a

computerscienceprofessoratCornellTech."Ifapasswordiscompromised,itcanbe

changed—butafacecannotbechanged/AppletoutsitsabilitytosecuredataonitsiPhones,

whichdonotsharebiometricinformationwiththecompany'sservers.Still,Rosssays,hackers

alwaysseemtofindawayaroundeventhetightestsecurity.

Whatistheauthor'sattitudetowardApple*sFaceIDtechnologyoniPhoneX?

A.Promising

B.Skeptical

C.Supportive

D.Neutral

25、Becauseitwastoodarkatnight,Icouldseepeopleonthestreet.

A.few

B.afew

C.little

D.alittle

26、關(guān)于共同犯罪，下列表述最為準(zhǔn)確的是（）o

A.共同犯罪是指兩人以上共同參加的犯罪

B.三人以上為共同實(shí)施犯罪而組織在一起的，是犯罪集團(tuán)

C.犯罪集團(tuán)是共同犯-的特殊形式

D.刑法理論上，對共同犯罪成員的分類一般是主犯、從犯、教唆犯、脅從犯

27、下列業(yè)務(wù)中，應(yīng)該填制現(xiàn)金收款憑證的是（）。

A.將多余現(xiàn)金存入銀行

B.從銀行提取現(xiàn)金

C.出租設(shè)備，收到一張現(xiàn)金支票

D.報廢一臺電腦，出售殘料收到現(xiàn)金

28、某民政局工作人員馮某利用職務(wù)便利挪用救濟(jì)金2萬元進(jìn)行營利活動。馮某的行為構(gòu)成

何種犯罪？（）

A.挪用特定款物罪

B.挪用公款罪

C.職務(wù)侵占罪

D.挪用資金罪

29^ActionAidalsoaccusesBritishFoodsusingitsbranchcompaniestoreduceitstaxesin

Africabymillionsofdollars.

A.in

B.of

C.for

D.to

30、代保管業(yè)務(wù)主要指商業(yè)銀行的（）。

A.保管箱業(yè)務(wù)

B.委托代辦債券還本付息業(yè)務(wù)

C.代發(fā)股票紅利業(yè)務(wù)

D.代理證券資金清算等業(yè)務(wù)

31、中國人民銀行從1984年開始執(zhí)行中央銀行職能后的一段時間內(nèi)所使用的最主要的貨幣

政策工具是（）。

A.利率

B.存款斗E備金率

C.貸款計劃

D.公開市場業(yè)務(wù)

32、Largenumbersofstate-runpreschoolswereexpedientlycloseddownduringthe1990s

economicreformandinstead,avarietyoffor-profitprivatepreschoolssprungacrossthe

country.

A.by

B.out

C.in

D.up

33、Ournewproductwillbeputthroughanumberof（）testsbeforebeingreleasedtothe

public.

A.dependent

B.founded

C.withhold

D.stringent

34、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetand

instructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar;rentan

apartment,andapplyforcreditcard.Then,sheandherclassmatesplayedthe"stockmarket

game",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthe

disastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegotto

knowhowitfelttolosemoney."

Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywantto

teach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teaching

studentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit's

tooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-finance

classeshasrisensince2007whenbankfailuresstartedtooccurregularly.Now^anystates

includingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduate

fromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclasses

forkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonline

personal-financeclassesforincomingstudents."Theseclassesreallysay,'Thisishowyoulive

independently/"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.

Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basics

approachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalary

intoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-term

gains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurant

intoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutso

easytospend,"shesaysoneweekdayafterschool,"Thatisthebigtakeaway."

Teachingkidsaboutthevslueofcashcertainlyisoneoftheprograms'goals,butteachersalso

wantstudentstothinkhardabouttheirfinanceslongterm.lt'seasyforteenagerstogetannoyed

aboutgaspricesbecauserranyofthemdrivecars.Butthehardpartisurgingthemtoputoffthe

instantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthings

teenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefeld,a

businessandmarketingteacheratUth'sRivertonHighSchool.

That'sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheir

parentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehas

increasedupto4.2percent,that'sstillafardistancefrom1982,whenAmericanssaved11.2

percentoftheirincomes.'lt'shardforschoolstoreachstrictmoney-managementskillswhen

teenagersgohomeandwa:chtheirparentsincreasecredit-carddebt.It'sliketellingyourkidsnot

tosmokeandthenlightingjpacigaretteinfrontofthem,"Recksays.

Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolis

worthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocal

bankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcoIlege/Shejusthas

abetterunderstandingofmoneyandhowitaffectstheworld/sayshermother;Darleen—and

that'ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AIIofthis

talkofmoneycanmakeRayworry,shesays,butluckily,shefeelspreparedtofaceit.

Aftercompletingthefinancialclass,DianeRayislikelyto().

A.payoffallherdebts

B.handlehermoneybetter

C.findajobinabank

0.managethefamilyincome

35、Passage6

Firsttwohours,nowthreehours—thisishowfarinadvanceauthoritiesarerecommending

peopleshowuptocatchadomesticflight,atleastatsomemajorU.S.airportswithincreasingly

massivesecuritylines.

Americansarewillingtotoleratetime-consumingsecurryprotocolsinreturnforincreased

safety.ThecrashofEgyptAirFlight804zwhichterroristsmayhavedownedoverthe

MediterraneanSea,providesanothertragicreminderofwhy.Butdemandingtoomuchofair

travelersorprovidingtoolittlesecurityinreturnunderminespublicsuppo