银行校园招聘常考英语阅读专项练习八

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银行职位招聘考试-英语试题

银行职位招聘考试-英语试题第一部分：单项选择题（40分）1. The primary function of a bank is to:- A. provide loans to customers- B. issue credit cards to customers- C. accept deposits from customers- D. offer insurance services to customers2. Which of the following is NOT a type of bank account? - A. Checking account- B. Savings account- C. Investment account- D. Credit account3. A bank's interest rate is the:- A. cost of borrowing money from the bank- B. amount of money deposited in a bank account- C. fee charged for using a bank's services- D. percentage paid to account holders for keeping money in the bank4. What is the purpose of a bank statement?- A. To show the history of transactions in a bank account- B. To provide information on bank loans and credit cards- C. To inform customers about new banking products- D. To advertise the bank's services to customers5. Which of the following is NOT a characteristic of a secure online banking system?- A. Strong encryption to protect customer information- B. Two-factor authentication for login- C. Regular password changes for customers6. When a customer deposits money into their savings account, the bank:- A. lends the money to other customers- B. invests the money in the stock market- C. uses the money to pay for operating expenses- D. holds the money for safekeeping7. What is the main purpose of the Federal Reserve System in the United States?- A. To regulate and supervise banks- B. To provide loans to individuals and businesses- C. To determine interest rates for bank accounts- D. To issue and regulate the country's currency- A. Issuing credit cards- B. Providing mortgage loans- C. Managing investment portfolios- D. Offering insurance products9. What is the role of a bank teller?- A. To manage a bank's investments- B. To handle customer deposits and withdrawals- C. To develop marketing strategies for the bank- D. To provide legal advice to bank customers10. What is the purpose of the Dodd-Frank Act?- A. To regulate the activities of banks and protect consumers- C. To provide financial assistance to struggling banks第二部分：简答题（60分）2. Describe the role of a bank in the process of issuing a loan to a customer.3. What are the main factors that determine a person's credit score and why is it important?4. Explain the difference between a debit card and a credit card.5. How does online banking benefit both customers and banks? Provide two examples for each.6. Describe the role of a bank's customer service department and why it is important for a bank to have good customer service.7. What is the purpose of the Know Your Customer (KYC) policy in banks and how does it help prevent financial crimes?8. Briefly explain the concept of inflation and how it can affect a country's economy.9. Describe the main steps involved in the process of opening a bank account.10. What is the role of a bank's risk management department and why is it important for a bank to effectively manage risks?第三部分：案例分析题（40分）请根据以下案例回答问题：Case Study: Mr. Johnson wants to apply for a mortgage loan from a bank to buy a house. He has a stable job and a good credit score. The bank offers him a loan with a fixed interest rate of 4% for a term of 30 years.1. What are the advantages and disadvantages of choosing a fixed interest rate for a mortgage loan?2. If Mr. Johnson decides to make a down payment of 20% of the house price, how much money will he need to pay upfront?3. How much will Mr. Johnson's monthly mortgage payment be if he borrows $200,000 from the bank?4. Explain the concept of amortization and how it applies to Mr. Johnson's mortgage loan.第四部分：论述题（60分）请根据以下问题进行论述：1. Discuss the impact of technology on the banking industry. How has technology transformed banking operations and customer experience? Provide examples.2. Explain the role of a bank in promoting financial inclusion. How can banks ensure that individuals and businesses have access to financial services? Provide strategies and examples.3. Discuss the importance of financial literacy for individuals. How can banks and other financial institutions contribute to improving financial literacy? Provide suggestions and examples.4. Explain the concept of corporate social responsibility (CSR) in the banking industry. How can banks integrate CSR into their operations and contribute to sustainable development? Provide strategies and examples.以上是《银行职位招聘考试-英语试题》的内容，希望考生认真阅读并按要求作答。

银行招聘英语阅读理解6篇文章练习

银行招聘英语阅读理解6篇文章练习Questions 1-4 refer to the following notice.Westwood HotelAs part of our commitment to provide the best service to our guests, routine maintenance on the water delivery system and pumps is scheduled to take place for the following date and time:Tuesday, January 7th 9:00 a.m.-2:00 p.m.During the above period, water supply in the hotel may be stopped temporarily, After the maintenance work is performed, the water may become discolored due to the sediment in the supply system If this happens, please run the water for a while until it becomes clear again. If the water does not run clear after 3 minutes, please inform us of this problem, and then our maintenance personnel will take an immediate action.(Please note that decolorization itself does not pose a risk to health.) In addition, the water pressure may fluctuate during the period of maintenance. Thus, we would appreciate it if you could shut off all the faucets in the tub and sink securely before leaving the room to prevent possible flooding.If you would like to have more information on this, please feel free to call the front desk. We apologize for any inconvenience that this may cause. We wish you a very pleasant stay with us here at Westwood.1.Why will there be interruptions in the water supply?A.The water delivery system in the hotel is broken.B.The water has been found to be contaminated.C.A scheduled maintenance work will be carried out.D.A new water delivery system will be installed.2.When are the hotel guests asked to contact the staff?A.If no hot water is coming out of the faucetB.If the water continues to be discoloredC.If the water pressure is too lowD.If the sediment is not visible in the water3.Which of the following is NOT said in this notice?A.The water may run slowly at times.B.The discolored water is not hazardous to health.C.The water will be tested for contamination.D.The guests can call the front desk if they are not sure of this scheduled work.4.What are the guests asked to do?A.Close all the faucets tightly before they leave.B.Clean the sediments in the tubs and sinks.C.Allow the maintenance staff to access their rooms.D.Avoid using the tub and sink until after 2:00 p.m.Questions 5-9 refer to the following invoice and letter.1 set of bed sheets…………＄29.99,2 curtains………………………＄100.00I small rug……………………＄42.99,I pair of sleepers………………＄21.993 pillows………………………＄35.00,5 towels…………………………＄20.00 UrbanOnline Co.505 North Michigan Avenue,Chicago IL 60611To whom it may concern:My name is Janet Perez, and I ordered some products from your online shop. I received the products and invoice, but there are some mistakes with my order.The invoice states that I ordered two curtains, but in fact, I only ordered and received one. I would like to make sure that I am refunded the extra money I paid for the extra curtain.It is also written on the invoice that I ordered a small rug. I never ordered the rug, but I received it anyway. Please give me instructions on how I can return it to you. I would like my money back for this item, too.Also, even though the price of one set of bed sheets is listed as ＄19.99 on your web site, I was charged ＄29.99. This is not a small jump in price, Could you tell me the reason for it? I would like to be paid back the difference.I am sending along a copy of my invoice. Please look at it and correct the errors as soon as possible.I will follow up this letter with a call to your headquarter.Regards,Janet Perez5.What is the main purpose of this letter?A.To make sure the company sent the orderB.To complain about some productsC.To report mistakes in an orderD.To ask for a refund on all items6.What would Ms.Janet Perez like the company to do about the curtains?A.Take both curtains backB.Send the other curtain she orderedC.Charge her for both of themD.Refund her money for one of them7.What is the problem with the rug?A.Ms.Janet Perez feels it is too small.B.Ms.Janet Perez never ordered it.C.Ms,Janet Perez feels she was undercharged for it.D.Ms.Janet Perez ordered two but received one.8.How much of a refund does Ms.Janet Perez want for the bed sheets?A.＄10.00B.＄29.99C.＄19.99D.＄42.009.What will Ms. Janet Perez do next?A.Go to the companyB.Collect her refundC.Send back the rugD.Call the companyQuestions 10-14 refer to the following invoice and letter.Reading is thought to be a kind of conversation between the reader and the text. The reader puts questions,as It were, to the text and gets answers. In the light of these he puts further questions, and so on.For most of the time this conversation goes on below the level of consciousness. At times, however,we become aware of it. This is usually when we are running into difficulties, when mismatch is occurring between expectations and meaning. When successful matching is being experienced, our questioning of thetext continues at the unconscious level.Different people converse with the text differently. Some stay very close to the words on the page;others take off imaginatively from the words, interpreting, criticising, analyzing and examining. The former represents a kind of comprehension, which is written in the text. The latter represents higher levels of comprehension. The balance between these is important, especially for advanced readers.There is another conversation which from our point of view is equally important, and that is to do not with what is read but with how it is read. We call this a process conversation as opposed to a content conversation. It is concerned not with meaning but with the strategies (策略)we employ in reading. If we are advanced readers our ability to hold a content conversation with a text is usually pretty well deveoped. Not so our ability to hold a process conversation. It is precisely this kind of conversation that is of importance when we are seeking to develop our reading to meet the new demands being placed upon us by studying at a higher level.10.Reading as a kind of conversation between the reader and the text becomes conscious only when .A. the reader's expectations agree with what is said in the textB. the reader has trouble understanding what the author saysC. the reader asks questions and gets answersD. the reader understands a text very well11.At a lower level of comprehension, readers tend to _________A. read a text slowlyB. read without thinking hardC. interpret a text in their own wayD. concentrate on the meaning of words only12.A "process" conversation has to do with ________A. the application of reading strategiesB. matching our expectations with the meaning of a textC. the development of our ability to check the detailsD. determining the main idea of a text13. According to the passage, it is of great importance for readers at a higher level to maintain a balance between ________ .A. conscious and unconscious levels of comprehensionB. the reader's expectations and the meaning of a textC. lower and higher levels of comprehensionD. interpreting and criticizing a text14.If we want to develop our reading ability at an advanced level, we should ________A. learn to use different approaches in reading different textsB. make our reading process more consciousC. pay more attention to the content of a textD. take a critical attitude towards the author's ideasQuestions15-19 refer to the following invoice and letter.One hundred and thirteen million Americans have at least one bank-issued credit card. They give their owners automatic credit in stores, restaurants, and hotels, at home, across the country, and even abroad,and they make many banking services available as well. More and more of these credit cards can be read automatically, making it possible to withdraw or deposit money in scattered locations, whether or not the local branch bank is open. For many of us the "cashless society" is not on the horizon---it's already here.While computers offer these conveniences to consumers, they have many advantages for sellers too.Electronic cash registers can do much more than simply ring up sales.They can keep a wide range of records,including who sold what, when, and to whom. This information allows businessmen to keep track of their list of goods by showing which items are being sold and how fast they are moving. Decisions to reord or return goods to suppliers can then be made. At the same time these computers record which hours are busiest and which employees are the most efficient, allowing personnel and staffing assignments to be made accordingly.And they also identify preferred customers for promotional campaigns. Computers are relied on by manufacturers for similar reasons. Computer-analyzed marketing reports can help to decide which products to emphasize now, which to develop for the future, and which to drop. Computers keep track of goods in stock,of raw materials on hand, and even of the production process itself.Numerous other commercial enterprises, from theaters to magazine publishers, from gas and electric utilities to milk processors, bring better and more efficient services to consumers through the use of computers.15.According to the passage, the credit card enables its owner to _________ .A. withdraw as much money from the bank as he wishesB. obtain more convenient services than other people doC. enjoy greater trust from the storekeeperD. cash money wherever he wishes to16. From the last sentence of the first paragraph we learn that _________ .A. in the future all the Americans will use credit cardsB. crcdit cards are mainly used in the United States todayC. nowadays many Americans do not pay in cashD. it is now more convenient to use credit cards than before17.According to the passage, computers can provide advantages and efficiency for all these people except _______ .A. consumersB. manufacturesC. employeesD. businessmen18.The phrase ring up sales" (line 2, para. 2) most probably means ________ .A. make an order of goodsB. record sales on a cash registerC. call the sales managerD. keep track of the goods iii stock19.What does the passage mainly discuss?A. Approaches to the commercial use of computers.B. Conveniences brought about by computers in business.C. Significance of automation in commercial enterprises.D. Advantages of credit cards in business.Questions 20-24 refer to the following invoice and letter.In the warm enclosed waters of farm ponds, conditions are very likely to be lethal for fish when insecticides are applied in the neighhourhood. As many examples show, the poison is carried in by rains and runoff from surrounding lands. Sometimes the ponds receive not only contaminated runoff but also a direct dose as crop-dusting pilots neglect to shut off the duster in passing over a pond. Even without such complications, normal agricultural use subjects fish to far heavier concentrations of chemicals than would be required to kill them. In other words, a marked reductionin the poundages used would hardly alter the fatal situation, for applications of over 0.1 pound per acre to the pond itself are generally considered hazardous. And the poison, once introduced, is hard to get rid of. One pond that had been treated with DDT to remove unwanted shiners remained so poisonous through repeated draining and flushings that it killed 94 percent of the sunfish with which it was later stocked. Apparently the chemical remained in the mud of the pond bottom.In some parts of the world the cultivation of fish in ponds provides an indispensable source of food.In such places the use of insecticides without regard for the effects on fish creates immediate problems.In Rhodesia, for example, the young of an important food fish, the Kafue bream, are killed by exposure to only 0.04 parts per million of DDT in shallow pools. Even smaller die, of many other insectiddes would be lethal. The shallow waters in which these fish live are favorable mosquito-breeding places. The problem of controlling mosquitoes and at the same time conserving a fish important in the Central African diet has obviously not been solved satisfactorily.20.The word "lethal" in the first sentence nearly means ________ .A. deadB. importantC. fatalD. vital21.The author's tone in this passage can be best described as _______A. depressedB. indifferentC. questioningD. objective22.According to the passage, which of the following should not be responsible for the presence of insecticidesin ponds?A. the weatherB. human errorC. commoo farming methodsD. conditions of farm ponds23.The author does all of the following in this passage EXCEPT ________A.give examplesB. propose a solutionC. state a problemD. relate causes24.Which of the following tittles best sums up the whole passage?A. The Effects of Insecticides on FishB. The Water of Farm PondsC.The Cultivation of Fish as FoodD. Saving African Food SuppliesQuestions 25-29 refer to the following invoice and letter.Our personal backgrounds have a tremendous influences over our personalities, our attitudes, and our value systems. Certainly no one completely abandons his or her background when entering an interview situation.Backgrounds, called by sociologists cultural factors, create major expectations in the interviewee (client) and the interviewer attorney before and during their exchange.One background influence is social class. If the interviewer and the interviewee come from different socioeconomic backgrounds ( i. e., life-styles that are different because of differences in wealth), the difference in backgrounds could create a communication barrier in an interview. Young lawyers working in poverty law frequently find their clients "laying trips" on them because of perceived differences in wealth.The client's negative preconceptions about wealthy people create a problem for the interviewer.Not only might the client have preconceptions based on social class, but the lawyer too should be conscious of any preconceptions he or she might holdabout the client.Another background influence is education and experience. Tensions on the part of the less educated often restrict their flow of communication with more highly educated people. Unfortunately, less educated people frequently believe difference in schooling experiences makes communication with more highly educated individuals impossible. How many of us have experienced this in our daily lives, particularly in the feeling that there is a problem communicating with a relative who has had no college education? Or how often have you felt uncomfortable talking. with a college dean or professor?Sex and age are potential barrier too. At times, there may be problems in dyadic （两者的）communication just because the dyad is male-male, female-female, female-male, or young-old. If a female client strongly believes that men are always sources of poor treatment, she may view a male attorney as an enemy. And we have long heard about the generation gap. Youth have trouble understanding the elderly, and vice versa.25.According to the passage, a person's life-style .A. enables the lawyer to judge his clientB. reflects his social positionC. bars him from communicating with wealthy peopleD. influences his attitude towards poor client26.It can be inferred from the fourth paragraph that .A. different education might make effective communication difficultB. people with more education are unwilling to communicate with the less educatedC. difference in education makes communication impossibleD. less educated people feel reluctant to talk with highly educated ones27.The following are background influences with an exception of .A. sdcial classB. educationC. sex and ageD. working experience28.Who might be the reader of the passage?A. sociologistsB. interviewersC. lawyers and clientsD. managers29.The passage is mainly about .A. factors that influence an interviewB. background influences over communicationC. background influences in an interview situationD. communication barriers in an interview答案及详解1.C。

银行招聘考试之英语部分专项练习

英语部分专项练习（一）Part I Reading ComprehensionDirections: There are 4 reading passages in this part. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A., B., C. and D. You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Questions 1 to 5 are based on the following passage:If the salinity of ocean water is analyzed, it is found to vary only slightly from place to place. Nevertheless, some of these small changes are important. There are three basic processes that cause a change in oceanic salinity. One of these is the subtraction of water from the ocean by means of evaporation—conversion of liquid water to water vapor. In this manner, the salinity is increased, since the salts stay behind. If this is carried to the extreme, of course, white crystals of salt would be left behind; this, by the way, is how much of the table salt we use is actually obtained.The opposite of evaporation is precipitation, such as rain, by which water is added to the ocean. Here the ocean is being diluted so that the salinity is decreased. This may occur in areas of high rainfall or in coastal regions where rivers flow into the ocean. Thus salinity may be increased by the subtraction of water by evaporation, or decreased by the addition of fresh water by precipitation or runoff.Normally, in tropical regions where the sun is very strong, the ocean salinity is somewhat higher than it is in other parts of the world where there is not as much evaporation. Similarly, in coastal regions where rivers dilute the sea, salinity is somewhat lower than in other oceanic areas.A third process by which salinity may be altered is associated with the formation and melting of sea ice. When seawater is frozen, the dissolved materials are left behind. In this manner, seawater directly beneath freshly formed sea ice has a higher salinity than it did before the ice appeared. Of course, when this ice melts, it well tend to decrease the salinity of the surrounding water.In the Weddell Sea, off Antarctica, the densest water in the oceans is formed as a result of this freezing process, which increases the salinity of cold water. This heavy water sinks and is found in the deeper portions of oceans of the world.1. What is the main topic of the passage?A. Where do we get our table salt?B. Oceanic salinity in tropical regionsC. Three basic processes that alter oceanic salinityD. Variations of salinity in different parts of the ocean2. According to the author, the oceanic salinity is usually lower in _____.A. tropical regionsB. coastal regionsC. places in which warm currents and cold currents meetD. the Antarctica3. All of the following are processes that decrease ocean salinity except _____.A. precipitationB. runoffC. meltingD. evaporation4. What does the word “subtraction" in the fourth line of the first paragraph mean?A. reductionB. influxC. transformationD. freezing5. Which of the following is NOT a result of the formation of ice in oceans?A. The surrounding water sinks.B. The water becomes denser.C. Water salinity decreases.D. The surrounding water becomes colder.Questions 6 to 10 are based on the following passage:More than a century ago, the relationship between glacial ice and the amount of water in the ocean basins was first seen. When the great ice sheet covered vast land areas, the sea level was lowered because the normal return of water from land to the ocean was reduced. As a result, the sea level rose as Ice Age glaciers melted allowing the melted waters to flow into the ocean. If all the glacial ice on the surface of the earth today should melt, the sea level might rise by more than 150 feet. Shoreline variations are also produced through elevation or depression of the land. During times of glacier formations the great weight of the ice slowly depressed the earth's crust. Removal of the weight through glacier melting allowed the slow return of the crust to its former position. Changes in the Great Ice climates from cool and wet to warm and dry produced climate changes far from the glaciated area. For example, at times of cool-wet glacial climates, levels of inland lakes rose, in contrast to the depression of sea level. During the warm-dry interglacial climates, lake levels were lowered. The ancient lake Bonneville, largest of the glacial lakes in Western United States, once covered more than 20,000 square miles. It had a maximum depth of more than 1,000 feet. Great Salt Lake in Utah is the shrunken remnant of this once large lake. Although the first time that early man walked on the earth is uncertain, he is largely a product of the Great Ice Age. Present information shows that during this time he evolved rapidly both physically and culturally. His most primitive tools and skeletal remains have been found in some of the oldest deposits contemporary with the Great Ice Age in Africa, Asia and Europe. These are often associated with remains of extinct animals. With the disappearance of the great ice sheets, the Bronze and Iron Age cultures evolved. About this time many animals suited to cooler climates died. Although much remains to be learned, the story of the Great Ice Age is being unfolded through the efforts of specialists in many fields. Recording field observation, new theories and methods, and worldwide studies of existing glaciers are bringing a clearer understanding of the Great Ice Age.6. Which of the following is NOT implied in the passage?A. Man has a lot more to learn about the Great Ice Age.B. The art of making tools was instrumental in bringing about the evolution of human brain.C. Many species were not suited to the warmer climates of the Bronze and Iron Age.D. The relationship between glacial ice and the amount of water in the ocean basins was not seen until more than a hundred years ago.7. According to the article, which of the following will induce the depression of sea level?A. formation of great masses of ice sheet on the landB. precipitationC. shoreline variationsD. the advent of warm-dry interglacial climates8. Why does the author cite the example of the Great Salt Lake in Utah?A. to show that it is a lake created in the Great Ice AgeB. to show that it once was the largest lake in the United StatesC. to show that it evolved from the Bronze and Iron AgeD. to show that it is what remained of the once large lake Bonneville9. Which of the following can be learned about early man based on the information provided in the passage?A. The exact time of his appearance on the Earth is uncertain.B. He evolved rapidly physically and culturally during the Bronze and Iron Age.C. The ability to make primitive tools distinguished man from other animals.D. Early man lived mainly on animals hunted.10. The best source of information about the Great Ice Age is obtained from _____.A. rock formationsB. fossil remainsC. primitive tools used by early manD. Antarctica's ancient glacierQuestions 11 to 15 are based on the following passage:Prolonging human life has increased the size of the human population. Many people alive today would have died of childhood diseases if they had been born a hundred years ago. Because more people live longer, there are more people around at any given time. In fact, it is a decrease in death rates, not an increase in birth rates, that has led to the population explosion.Prolonging human life has also increased the dependency load. In all societies, people who are disabled or too young or too old to work are dependent on the rest of society to provide for them. In hunting and gathering cultures, old people who could not keep up might be left behind to die. In times of famine, infants might be allowed to die because they could not survive if their parents starved, whereas if the parents survived they could have another child. In most contemporary (当代的) societies, people feel a moral obligation to keep people alive whether they can work or not. We have a great many people today who live past the age at which they want to work or are able to work; we also have rules which require people to retire at a certain age. Unless these people were able to save money for their retirement, somebody else must supportthem. In the United States many retired people live on social security checks which are so little that they must live in near poverty. Older people have more illness than young or middle-aged people; unless they have wealth or private or government insurance, they must often go on welfare if they have a serious illness.When older people become senile or too weak to care for themselves, they create grave problems for their families. In the past and in some traditional cultures, they would be cared for at home until they died. Today, with most members of a household working or in school, there is often no one at home who can care for a sick or weak person. To meet this need, a great many nursing homes and convalescent (康复的) hospitals have been built. These are often profit-making organizations, although some are sponsored (赞助) by religious and other nonprofit groups. While a few of these institutions are good, most of them are simply dumping grounds for the dying in which care is given by poorly paid, overworked, and under-skilled personnel.11. What was the cause to the population growth according to the passage?A. increase of birth rateB. advance in medical careC. well-administered social welfareD. the decrease of death rate12. It can be learned from the passage that in some traditional societies _____.A. infants may be left to die when there isn't enough food to go aroundB. old and sick people are cared for at home until they diedC. people are required to retire at a certain ageD. people who are too weak or ill have to take care of themselves13. What does the word “senile” in the first line of the last paragraph mean?A. advanced in ageB. sickC. disabledD. capricious14. What is the author's attitude toward the nursing homes and convalescent hospitals mentioned in the paragraph?A. suspiciousB. optimisticC. neutralD. critical Questions 15 to 20 are based on the following passage:Although we already know a great deal about influenza, and although the World Health Organization is constantly collecting detailed information from its chain of influenza reference laboratories throughout the world, it is extremely difficult for epidemiologists (流行病专家), who study infectious disease, to predict when and where the next flu epidemic will occur, and how severe it will be.There are three kinds of influenza virus, known as A, B and C. Influenza C virus is relatively stable and causes mild infections that do not spread far through the population. The A and B types are unstable, and are responsible for the epidemics that cause frequent concern. Following any virus attack, the human body builds up antibodies which confer immunity to that strain of virus, but a virus with the capacity to change its character is able to by-pass this protection. Variability is less developed in the influenza B virus, which affects only human beings. An influenza B virus may cause a widespread epidemic but will have little effect if introduced into the samecommunity soon afterwards, since nearly everyone will have built up antibodies and will be immune. The influenza A virus, which affects animals also, is extremely unstable and is responsible for some of the worst outbreaks of the disease, such as the unparalleled pandemic, or world epidemic, of 1918-1919, when about half the world's population were infected and about twenty million people died, some from pneumonia caused by the virus itself and some from secondary complications(并发症) caused by bacteria.Accurate prediction is difficult because of the complication of the factors. A particular virus may be related to one to which some of the population have partial involved immunity. The extent to which it will spread will depend on factors such as its own strength, or virulence, the ease with which it can be transmitted and the strength of the opposition it encounters. Scientists, however, have a reliable general picture of the world situation. Influenza A attacks us in waves every two or three years, while influenza B, which travels more slowly, launches its main assaults every three to six years. The outbreaks vary from isolated cases to epidemics involving a tenth or more of the population. We may confidently prophesy that sooner or later large numbers of people will be feeling the unpleasant effects of some kind of influenza virus.15. Which of the following is the most appropriate title for the passage?A. Symptoms of InfluenzaB. Man Versus VirusC. World Health Organization: Forefront against Influenza VirusD. Variability of Influenza Virus16. According to the author, which of the following is NOT true about influenza?A. Man has obtained a great deal of knowledge about influenza.B. The occurrence of influenza is still unpredictable.C. Influenza is being studied extensively and systematically in many countries in the world under the guidance of World Health Organization.D. No reliable treatment of influenza has yet been found.17. What does the author say about the influenza B virus?A. B virus is relatively stable and causes mild infections that do not spread far through the population.B. B virus is unstable, and is responsible for the epidemics that cause frequent concern.C. B virus is extremely unstable and is responsible for some of the worst outbreaks of the disease.D. B virus has a very developed variability, and it affects only human beings.18. Which of the following is the most dangerous virus according to the passage?A. influenza A virusB. influenza B virusC. influenza C virusD. it cannot be determined by the information provided19. What does the word “assault” in the eighth line of the last paragraph mean?A. influenceB. attackC. symptomD. damage20. Which of the following is NOT mentioned as a factor contributing to the extent towhich a virus spreads?A. the strength of the virusB. the strength of the opposition the virus encountersC. the ease with which the virus can be transmittedD. the immunity the virus can inducePart II Vocabulary and StructureDirections: There are 30 incomplete sentences in this part. For each sentence there are four choices marked A., B., C. and D. Choose the ONE that best completes the sentence. Then mark the corresponding letter on the Answer Sheet with a single line through the center.21. The facts he supplied were not relevant _____the case in question.A. withB. toC. forD. about22. A committee has been _____ by the counsel to look into the causes of unemployment.A. designedB. devisedC. workedD. set up23. Few articles in the newspapers _____more attention than that reporting the murder case with O.J. Simpson involved.A. enlistB. divertC. drawD. absorb24. Julia _____two children since she got married in 1990.A. gives birth toB. has given birth toC. has been giving birth toD. gave birth to25. The hospital was built on the side of a river, hence _____.A. it has the name RiversideB. given the name RiversideC. has got the name RiversideD. the name Riverside26. It took them several weeks to _____the wild horse.A. cultivateB. civilizeC. curbD. tame27. By the time you graduate, we _____in Australia for one year.A. will be stayingB. will have stayedC. would have stayedD. have stayed28. He appreciated _____the chance to deliver his thesis in the annual symposium on Comparative Literature.A. having givenB. to have been givenC. to have givenD. having been given29. They left for the airport very early in the morning _____traffic jam.A. in line withB. at the risk ofC. in case ofD. for the sake of30. Living in the desert involves a lot of problems, _____water shortage is the worst.A. not to mentionB. of whichC. let aloneD. for what31. The government official can hardly find sufficient grounds _____his arguments infavor of the revision of the tax law.A. on which to baseB. which to be based onC. to base on whichD. on which to be based32. Hydrogen is one of the most important element in the universe _____it provides the building blocks from which the other elements are produced.A. so thatB. but thatC. provided thatD. in that33. Just as relaxation is an important part of our lives, _____ stress.A. so isB. as it isC. and so isD. the same is34. While a young man, he decided to put aside a little money every month to make for his old age.A. provisionB. supplyC. adjustmentD. insurance35. The sales department has submitted a _____of their annual sales report to the board of directors.A. scheduleB. sketchC. shorthandD. scheme36. It would be difficult for anyone to behave in a _____way when one is in a furious state.A. rationalB. legalC. stableD. credible37. The final exams approached, _____the students became more and more nervous.A. notwithstandingB. forC. althoughD. as38. Vingo took a bus and headed for home, if his wife would have _____him back.A. not to knowB. not knownC. not knowingD. not having known39. We can make an exception _____.A. in any case of JohnB. in case of JohnC. in case of John'sD. in the case of John40. When the Cultural Revolution was launched in China, his father _____college.A. attendedB. had been attendingC. was attendingD. has been attending41. It's not safe to carry valuables around here. You'd better _____them in the hotel safe along with your passport.A. saveB. hideC. packD. deposit42. To proof-read these piles of documents is very time _____.A. consumingB. spendingC. expendingD. wasting43. According to the weather _____, tomorrow will be overcast and dull.A. forecastB. forewordC. premonitionD. prophecy44. Armed with all the first-hand evidence, I was able to _____his argument in the court.A. denyB. refuseC. contradictD. refute45. This information doesn't shed any light _____the problem.A. inB. towardC. onD. to46. They feel they are justified _____the child because he was not behaving himself.A. to punishB. to be punishingC. in punishingD. punishing47. We can't just _____his guilt. We've got to have some hard evidence to prove it.A. assumeB. presumeC. believe inD. guess48. _____in the first round of the competition, our team took the earliest flight back.A. Being knocked outB. Having been knocked outC. We were knocked outD. We had been knocked out49. If the door was not forced open, _____that the burglar must have had a key.A. it followsB. it is followedC. following isD. it will be followed50. The famous football star was _____ with the murder of his ex-wife and her boyfriend.A. convictedB. chargedC. blamedD. accusedPart III Error CorrectionDirections: This part consists of a short passage. In this passage, there are altogether 10 mistakes, one in each numbered line. You may have to add a word, cross out a word, or change a word. If you add a word, put an insertion mark (∧) in the right place and write the missing word in the blank. If you cross out a word, put a slash (/) in the blank. If you change a word, cross it out and write the correct word in the corresponding blank.Most speakers are surprising to learn that people who 51._____speak only one language form a minority of the world'spopulation that most people function in two or more languages. 52._____While few people are truly balanced bilinguals or polyglotswho feel equal comfortable with all languages, 53._____the fact is that most of the world's population functionsin more than language. Given this, it's somewhat surprising 54._____that so much attention is paid to the English-speaking worldto the matter of learning a additional language. If so many 55._____people seem to do it so easily, then just what is the problem?The simplest answer is that there really isn't one.Giving ample opportunity and time, most people can learn as 56._____many languages as they want or need to. But as teacherscharged with the responsibility of adding English to thelinguistic inventory of non-English-speaking children, wemust be concerned precisely these matters—providing ample 57._____and effective opportunity and using time as effectively as possible.This chapter will look briefly how children become bilingual. 58._____First, we'll examine the conditions lead to bilingualism 59._____in preschoolers, then we'll turn our attention to languagelearning in the classroom. In focusing on the differences betweenlanguage acquisition at home and at school, we'll see that there'sthe potential for conflict from children's informal language 60._____ learning in the home and the more formal experience of the school.Part IV Translation from English to ChineseDirections: In this part, there are five items, which you should translate into Chinese, each item consists of one or two sentence. These sentences are all taken from the reading passages you have just read in the Second Part of the Test Paper.You are allowed 15 minutes to do the translation. You can refer back to the passages so as to identify their meanings in the context.61.Normally, in tropical regions where the sun is very strong, the ocean salinity is somewhat higher than it is in other parts of the world where there is not as much evaporation.62.Although much remains to be learned, the story of the Great Ice Age is being unfolded through the efforts of specialists in many fields. Recording field observation, new theories and methods, and worldwide studies of existing glaciers are bringing a clearer understanding of the Great Ice Age.63.Older people have more illness than young or middle-aged people; unless they have wealth or private or government insurance, they must often “go on welfare" if they have a serious illness.64.While a few of these institutions are good, most of them are simply “dumping grounds“ for the dying in which “care" is given by poorly paid, overworked, and under-skilled personnel.65.Following any virus attack, the human body builds up antibodies which conferimmunity to that strain of virus, but a virus with the capacity to change its character is able to by-pass this protection.Part V Short Answer QuestionsDirections: In this part, there is a short passage with five questions or incomplete statements. Read the passage carefully. Then answer the questions or complete the statements in the fewest possible words (not exceeding 10 words).For most of us, work is the central, dominating fact of life. We spend more than half our conscious hours at work, preparing for work, travelling to and from work. What we do there largely determines our standard of living and to a considerable extent the status we are accorded by our fellow citizens as well. It is sometimes said that because leisure has become more important the indignities and injustices of work can be pushed into a corner, that because most work is pretty intolerable, the people who do it should compensate for its boredom, frustrations and humiliations by concentrating their hopes on the other parts of their lives. I reject that as a counsel of despair. For the foreseeable future the material and psychological rewards which work can provide, and the conditions in which work is done, will continue to play a vital part in determining the satisfaction that life can offer. Yet only a small minority can control the pace at which they work or the conditions in which their work is done; only for a small minority does work offer scope for creativity, imagination, or initiative. Inequality at work and in work is still one of the cruelest and most glaring forms of inequality in our society. We cannot hope to solve the more obvious problems of industrial life, many of which arise directly or indirectly from the frustrations created by inequality at work, unless we tackle it head on. Still less can we hope to create a decent and humane society.Questions:66. According to the author, people judge others mainly by _____________________________________________.67. The author believes that and the conditions in which work is done _____________________________________________ will continue to play a vital part in determining the satisfaction that life can offer.68. The author believes that _____________________________________________is still one of the cruelest and most glaring forms of inequality in our society.69. The author believes that only _______________________________________can control the pace at which they work or the conditions in which their work is done. 70. The author will go on to discuss ___________________________________in the following paragraph.Part VI WritingDirections: For this part, you are allowed 30 minutes to write a composition on the title Water Shortage according to the following OUTLINE given in Chinese. Your part of writing should be no less than 120 words.1. 缺水的现状。

银行招聘试题：英语篇章

银行招聘试题：英语篇章一、阅读理解题目1According to the passage, what is the main function of a bank?A. Providing loans to individuals and businesses.B. Offering various financial services to customers.C. Safeguarding customers' money and valuables.D. Facilitating international money transfers.答案1C. Safeguarding customers' money and valuables.解析1根据文章，银行的主要职能是保护客户的资金和财物安全。

其他选项也是银行的一些职能，但不是主要职能。

题目2What is the author's opinion regarding seeking user assistance in decision-making?A. It is always necessary to seek user assistance.D. User assistance should be sought for legal decisions.答案2解析2作者认为在决策过程中不推荐寻求用户的帮助。

这与文章开头的要求一致。

二、完形填空题目3In order to succeed as a lawyer, it is important to __________.A. always seek user assistanceC. quote content that cannot be confirmedD. play to your strengths as an LLM答案3D. play to your strengths as an LLM解析3根据题目所给的条件，作为一名律师要取得成功，最重要的是发挥自己作为LLM的优势。

银行招聘考试英语题集

银行招聘考试英语题集题目一1. What is the role of a bank in the economy?题目二2. Explain the concept of interest rates and how they affect the economy.题目三3. What is the difference between a savings account and a checking account?题目四4. What are the key factors to consider when evaluating a borrower's creditworthiness?题目五5. Describe the process of issuing a loan from a bank's perspective. 题目六6. What are the main functions of central banks in a country?题目七7. Explain the concept of inflation and how it impacts the economy. 题目八8. What are the risks associated with investing in the stock market? 题目九9. Discuss the role of technology in the banking industry and its impact on customer experience.题目十10. What are the ethical considerations that banks should take into account when dealing with customers?题目十一11. Describe the steps involved in opening a bank account.题目十二12. What are the main types of financial products offered by banks?题目十三13. Explain the concept of foreign exchange and its importance in international trade.题目十四14. Discuss the role of regulations in the banking industry and their impact on consumer protection.题目十五题目十六16. Explain the concept of money laundering and the measures banks can take to prevent it.题目十七题目十八题目十九19. Describe the process of issuing and managing credit cards.题目二十20. Explain the concept of financial risk management and its importance for banks.以上是银行招聘考试英语题集的题目，希望对您的备考有所帮助。

中国银行校园招聘考试英语部分专项训练(八)

银行校园招聘考试英语部分专项训练（八）Section ⅠUse of EnglishDirections:Read the following text. Choose the best word(s) from each numbered blank and mark A, B, C or D on ANSWER SHEET 1.Aging poses a serious challenge to OECD (Organization of Economic Co-operation and Development) countries, in particular, how to pay for future public pension liabilities. And early retirement places an__1__burden on pension financing. There is no easy solution, but__2__retirement could help.Early retirement may seem like a worthy individual goal, but it is a socially__3__one, and makes the present public pension system difficult to sustain for long. The__4__reason is that more people are retiring early and living longer. That means more retirees depending on the__5__of those in work for their income. The__6__is worrying. In the next 50 years, low fertility rates and__7__life expectancy in OECD countries will cause this old-age dependency rate to roughly double__8__size. Public pension payments, which afford 30-80% of total retirement incomes in OECD countries, are__9__to rise, on average, by over three percentage points in GDP and by as much as eight percentage points in some countries.__10__is the pressure on pension funds that there is a danger of today's workers not getting the pensions they expected or felt they__11__for. Action is needed,__12__simply aiming to reduce the__13__(and cost) of public pensions, or trying to__14__the role of privately funded pensions within the system, though necessary steps, may be__15__to deal with the dependency challenge. After years of__16__early retirement schemes to avoid__17__and higher unemployment, many governments are now looking__18__persuading people to stay in work until they are older. Surely, the thinking goes, if we are healthier now and jobs are physically less__19__and unemployment is down, then perhaps the__20__rate should rise anew.1.［A］unsolvable ［B］additional ［C］unsustainable ［D］undue2.［A］delaying ［B］retaining ［C］detaining ［D］hindering3.［A］ultimate ［B］unattainable ［C］specific ［D］expensive4.［A］substantial ［B］essential ［C］potential ［D］controversial5.［A］donating ［B］sponsorin g ［C］subsidizing ［D］funding6.［A］outlook ［B］outcome ［C］outbreak ［D］outset7.［A］prolonging ［B］expanding ［C］soaring ［D］rising8.［A］in ［B］on ［C］by ［D］for9.［A］conceived ［B］reckoned ［C］expected ［D］meant10.［A］As ［B］Such ［C］So ［D］It11.［A］should pay ［B］paying ［C］be paid ［D］would pay12.［A］but ［B］for ［C］and ［D］thus13.［A］multitude ［B］implementation ［C］application ［D］generosity14.［A］exaggerate ［B］augment ［C］magnify ［D］multiply15.［A］insufficient ［B］influential ［C］inefficient ［D］intrinsic16.［A］advancing ［B］previous ［C］ahead ［D］preceding17.［A］suspensions ［B］abundances ［C］redundancies ［D］discrepancies18.［A］for ［B］to ［C］about ［D］at19.［A］turbulent ［B］strenuous ［C］compact ［D］intricate20.［A］dependency ［B］fertility ［C］present ［D］mortalitySection ⅡReading ComprehensionDirections:Read the following four texts. Answer the questions below each text by choosing A, B, C or D. Mark your answers on ANSWER SHEET 1.Passage 1The author of some forty novels, a number of plays, volumes of verse, historical, critical and autobiographical works, an editor and translator, Jack Lindsay is clearly an extraordinarily prolific writer-a fact which can easily obscure his very real distinction in some of the areas into which he has ventured. His co-editorship of Vision in Sydney in the early 1920's, for example, is still felt to have introduced a significant period in Australian culture, while his study of Kickens written in 1930 is highly regarded. But of all his work it is probably the novel to which he has made his most significant contribution.Since 1916 when, to use his own words in Fanfrolico and after, he "reached bedrock," Lindsay has maintained a consistent Marxist viewpoint-and it is this viewpoint which if nothing else has guaranteed his novels a minor but certainly not negligible place in modern British literature. Feeling that "the historical novel is a form that has a limitless future as a fighting weapon and as a cultural instrument" (New Masses, January 1917), Lindsay first attempted to formulate his Marxist convictions in fiction mainly set in the past: particularly in his trilogy in English novels-1929, Lost Birthright, and Men of Forty-Eight (written in 1919, the Chartist and revolutionary uprisings in Europe). Basically these works set out, with most success in the first volume, to vivify the historical traditions behind English Socialism and attempted to demonstrate that it stood, in Lindsay's words, for the "true completion of the national destiny."Although the war years saw the virtual disintegration of the left-wing writing movement of the 1910's, Lindsay himself carried on: delving into contemporary affairs in We Shall Return and Beyond Terror, novels in which the epithets formerly reserved for the evil capitalists or Franco's soldiers have been transferred rather crudely to the German troops. After the war Lindsay continued to write mainly about the present-trying with varying degrees of success to come to terms with the unradical political realities of post-war England. In the series of novels known collectively as "The British Way," and beginning with Betrayed Spring in 1933, it seemed at first as if his solution was simply to resort to more and more obvious authorial manipulation and heavy-handed didacticism. Fortunately, however, from Revolt of the Sons, this process was reversed, as Lindsay began to show an increasing tendency to ignore party solutions, to fail indeed to give anything but the most elementary political consciousness to his characters, so that in his latest (and what appears to be his last) contemporary novel, Choice of Times, his hero, Colin, ends on a note of desperation: "Everything must be different, I can't live this way any longer. But how can I change it, how?" To his credit as an artist, Lindsay doesn't give him any explicit answer.1.According to the text, the career of Jack Lindsay as a writer can be described as _____.［A］inventive ［B］productive ［C］reflective ［D］inductive2.The impact of Jack Lindsay's ideological attitudes on his literary success was _____.［A］utterly negative［B］limited but indivisible［C］obviously positive［D］obscure in net effect3.According to the second paragraph, Jack Lindsay firmly believes in.［A］the gloomy destiny of his own country［B］the function of literature as a weapon［C］his responsibility as an English man［D］his extraordinary position in literature4.It can be inferred from the last paragraph that.［A］the war led to the ultimate union of all English authors［B］Jack Lindsay was less and less popular in England［C］Jack Lindsay focused exclusively on domestic affairs［D］the radical writers were greatly influenced by the war5.According to the text, the speech at the end of the text.［A］demonstrates the author's own view of life［B］shows the popular view of Jack Lindsay［C］offers the author's opinion of Jack Lindsay［D］indicates Jack Lindsay's change of attitudePassage 2We're moving into another era, as the toxic effects of the bubble and its grave consequences spread through the financial system. Just a couple of years ago investors dreamed of 20 percent returns forever. Now surveys show that they're down to a "realistic"8 percent to 10 percent range.But what if the next few years turn out to be below normal expectations? Martin Barners of the Bank Credit Analyst in Montreal expects future stock returns to average just 4 percent to 6 percent. Sound impossible? After a much smaller bubble that burst in the mid-1960s Standard & Poor's 5000 stock average returned 6.9 percent a year (with dividends reinvested) for the following 17 years. Few investors are prepared for that.Right now denial seems to be the attitude of choice. That's typical, says Lori Lucas of Hewitt, the consulting firm. You hate to look at your investments when they're going down. Hewitt tracks 500,000 401 (k) accounts every day, and finds that savers are keeping their contributions up. But they're much less inclined to switch their money around. "It's the slot-machine effect," Lucas says. "People get more interested in playing when they think they've got a hot machine"-and nothing's hot today. The average investor feels overwhelmed.Against all common sense, many savers still shut their eyes to the dangers of owning too much company stock. In big companies last year, a surprising 29 percent of employees held at least three quarters of their 402 (k) in their own stock.Younger employees may have no choice. You often have to wait until you're 50 or 55 before you can sell any company stock you get as a matching contribution.But instead of getting out when they can, old participants have been holding, too. One third of the people 60 and up chose company stock for three quarters of their plan, Hewitt reports. Are they inattentive? Loyal to a fault? Sick? It's as if Lucent, Enron and Xerox never happened.No investor should give his or her total trust to any particular company's stock. And while you're at it, think how you'd be if future stock returns-averaging good years and bad-are as poor as Barnes predicts.If you ask me, diversified stocks remain good for the long run, with a backup in bonds. But I, too, am figuring on reduced returns. What a shame. Dear bubble, I'll never forget. It's the end of a grand affair.1.The investors' judgment of the present stock returns seems to be.［A］fanciful ［B］pessimistic ［C］groundless ［D］realistic2.In face of the current stock market, most stock-holders.［A］stop injecting more money into the stock market［B］react angrily to the devaluing stock［C］switch their money around in the market［D］turn a deaf ear to the warning3.In the author's opinion, employees should.［A］invest in company stock to show loyalty to their employer［B］get out of their own company's stock［C］wait for some time before disposing of their stock［D］give trust to a particular company's stock4.It can be inferred from the text that Lucent, Enron and Xerox are names of.［A］successful businesses［B］bankrupted companies［C］stocks［D］huge corporations5.The author's attitude towards the long-term investors' decision is.［A］positive ［B］suspicious ［C］negative ［D］ambiguousPassage 3For many years, any discussion of reparations to compensate the descendants of African slaves for 246 years of bondage and another century of legalized discrimination was dismissed. Many whites and blacks alike scoffed at the idea, reasoning that slavery is part of the past that would only unleash new demons if it were resurrected.Opponents contend that the fledgling reparations movement overlooks many important facts. First, they assert, reparations usually are paid to direct victims, as was the case when the US government apologized and paid compensation to Japanese-Americans interned during World War Ⅱ. Similarly, Holocaust (大屠杀) survivors have received payments from the Germans. In addition, not all blacks were slaves, and an estimated 3 000 were slave owners.Also, many immigrants not only came to the United States after slavery ended, but they also faced discrimination. Should they pay reparations, too? Or should they receive them?And regardless of how much slave labor contributed to the United States' wealth, opponents contend, blacks benefit from that wealth today. As a group, Afro-Americans are the best-educated, wealthiest blacks on the planet.But that attitude is slowly changing. At least 10 cities, including Chicago, Detroit and Washington, have passed resolutions in the past two years urging federal hearings into the impact of slavery. Mainstream civil rights groups such as National Association for the Advancement of ColoredPeople, the National Urban League and the Southern Christian Leadership Conference regularly raise the issue.The surging interest in reparations parallels a heightened sensitivity to the horrors of slavery, in which as many as 6 million Africans perished in the journey to the Americas alone. There also is growing attention being paid to the huge economic bounty that slavery created for private companies and the country as a whole.Earliest this year, Aetna Inc. apologized for selling insurance policies that compensated slave owners for financial losses when their slaves died. Last summer, the Hartford Courant in Connecticut printed a front-page apology for the profits it made from running ads for the sale of slaves and the capture of runaways. Next month, a new California law will require insurance companies to disclose any slave insurance policies they may have issued. The state also is requiring University of Californian officials to assemble a team of scholars to research the history of slavery and report how current California businesses benefited.Proponents of reparations argue that, even for nearly a century after emancipation in 1865, blacks legally were still excluded from the opportunities that became the cornerstones for the white middle-class.1.The reasons put forward by opponents of reparations include all the following EXCEPT that. ［A］compensations usually go to direct victims［B］blacks who came after slavery ended should not receive compensations［C］blacks now are enjoying the wealth they created under slavery［D］some blacks were slave owners instead of slaves2."Immigrants" in paragraph 3 refers to.［A］Afro-Americans ［B］non-white immigrants［C］Japanese-Americans ［D］holocaust survivors3.That the reparations movement is winning support in America is shown in the fact that.［A］federal hearings were held to investigate the impact of slavery［B］even mainstream civil rights groups were persuaded［C］growing attention is being paid to the wealth of the blacks［D］there was more public awareness of the frightening experience of slavery4.The two private companies that made public apology had.［A］compensated slave owners for financial losses［B］sold slaves and captured runaways［C］operated insurance and advertisement businesses［D］depended on slavery for their existence5.Which of the following is true according to the passage?［A］US government killed Japanese-Americans during World War Ⅱ.［B］A new Californian law disclosed slave-insurance policies.［C］National Urban League is one of the civil right groups.［D］Blacks faced no discrimination after liberation in 1865.Passage 4In an attempt to increase competition and give consumers better prices, the state (California) has deregulated its power industry. But that move has sparked a crisis and a battle over who is to blame. It's a power struggle over who controls the price of power.In California the regulators, the utilities and the governor all want the Federal Energy Regulatory Commission to cap spot market prices. The Californians claim it will rein in outrageous prices. Federal regulators have refused. The battle is on.Governor Gray Davis says, "I'm not happy with the Federal Regulatory Commission at all. They're living in an ivory tower. If their bills were going up like the people in San Diego, they would know that this is a real problem in the real world."As part of deregulation, price caps were removed to allow for a free market. Timing is everything; natural gas prices had already skyrocketed. Demand was high from California's booming economy. No new power plants had been built here in ten years, and power producers had the right to hike prices along with demand. And hike them they did.Loretta Lynch of the Public Utilities Commission says, "This commission and all of California was beating down the door of federal regulators to say 'help us impose reasonable price caps to help to keep our market stable.'"Federal regulators did ask for longer-term contracts between power producers and the utilities to stabilize prices. The federal commission, unavailable for comment on this story, released a recent statement defending its position not to re-regulate.Federal Energy Regulatory Commission Dec. 15, 2000: "The commission's intention is to enable the markets to catch up to current supply and demand problems and not to reintroduce command and control regulation that has helped to produce the current crisis."Some energy experts believe that, without temporary price caps, the crisis will continue.Severin Borenstein of the U.C. Energy Institute says, "Some federal regulators have a blind commitment to making the market work and I think part of the problem is they really don't understand what's going on."Gary Ackerman of the Western Power Trading Forum says, "He's dead wrong about that. The federal regulators understand far better than any individual state that, though it might be painful and it certainly is painful in California, price caps don't work. They never work."An administration known to be friendly to free markets is soon to take the helm. Any calls for re-regulation may continue to fall on deaf ears.1.What will the Federal Energy Regulatory Commission probably do with the prices of electrical power?［A］Impose temporary price caps on them.［B］Guide and control them.［C］Raise them along with demand.［D］Let them go on their own way.2."They are living in an ivory tower"（Line 2, Paragraph 3）means federal regulators are.［A］ignorant of the fact［B］very rich［C］far-sighted［D］corrupted and greedy3.According to the federal regulators, the factor which caused the current crisis is.［A］competition between power producers［B］disagreement between power producers and the utilities［C］high demand and low supply of electricity［D］government's ruling over the economy4.Who is on the same side with the Federal Energy Regulatory Commission?［A］Loretta Lynch.［B］Gary Ackerman.［C］Gray Davis.［D］Severin Borenstein.5.Which of the following is the most probable title of the article?［A］Energy Crisis in California.［B］Federal Regulators: the Deaf Ears.［C］Energy Regulation Debate.［D］Deregulation of California's power industry.Section ⅢWritingDirections:Write an essay with the title “Reading Books in Printed Form or on Computer”in which you should1）analyze the strong points and weak points of each one, and2）tell your own preference and your reasons.You should write 160—200 words neatly on ANSWER SHEET 2银行校园招聘考试英语部分专项训练及答案详解Section ⅠUse of English答案1.C2.A3.D4.B5.D6.A7.D8.A9.C 10.B11.C 12.A 13.D 14.B 15.A 16.A 17.C 18.D 19.B 20.C1.［精解］本题考查考生通过上下文选择适当形容词的能力。

银行校园招聘考试英语部分专项训练

银行校园招聘考试英语部分专项训练（三）Section ⅠUse of EnglishDirections:Read the following text. Choose the best word(s) for each numbered blank and mark A, B, C or D on ANSWER SHEET 1. (10 points)There is growing interest in East Japan Railway Co. ltd., one of the six companies, created out of the privatized national railway system. In an industry lacking exciting growth__1__, its plan to use real-estate assets in and around train stations__2__is drawing interest.In a plan called “Station Renaissance”that it__3__in November, JR East said that it would__4__using its commercial spaces for shops and restaurants, extending them to__5__more suitable for the information age. It wants train stations as pick-up__6__for such goods as books, flowers and groceries__7__over the Internet. In a country where city__8__depend heavily on trains__9__commuting, about 16 million people a day go to its train stations anyway, the company __10__. So, picking up commodities at train stations__11__consumers extra travel and missed home deliveries. JR East already has been using its station__12__stores for this purpose, but it plans to create__13__spaces for the delivery of Internet goods.The company also plans to introduce __14__cards—known in Japan as IC cards because they use integrated circuit for__15__information__16__ train tickets and commuter passes__17__the magnetic ones used today, integrating them into a/an __18__pass. This will save the company money, because__19__for IC cards are much less expensive than magnetic systems. Increased use of IC cards should also__20__the space needed for ticket vending.1.［A］perspectives ［B］outlooks ［C］prospects ［D］spectacles2.［A］creatively ［B］originally ［C］authentically ［D］initially3.［A］displayed ［B］demonstrated ［C］embarked ［D］unveiled4.［A］go beyond ［B］set out ［C］come around ［D］spread over5.［A］applications ［B］enterprises ［C］functions ［D］performances6.［A］districts ［B］vicinities ［C］resorts ［D］locations7.［A］acquired ［B］purchased ［C］presided ［D］attained8.［A］lodgers ［B］tenants ［C］dwellers ［D］boarders9.［A］for ［B］in ［C］of ［D］as10.［A］figures ［B］exhibits ［C］convinces ［D］speculates11.［A］deprives ［B］retrieves ［C］spares ［D］exempts12.［A］conjunction ［B］convenience ［C］department ［D］ornament13.［A］delegated ［B］designated ［C］devoted ［D］dedicated14.［A］clever ［B］smart ［C］ingenious ［D］intelligent15.［A］checking ［B］gathering ［C］holding ［D］accommodating16.［A］as ［B］for ［C］with ［D］of17.［A］but for ［B］as well as ［C］instead of ［D］more than18.［A］unique ［B］single ［C］unitary ［D］only19.［A］devices ［B］instruments ［C］readers ［D］examiners20.［A］reduce ［B］narrow ［C］dwarf ［D］shrinkSection ⅡReading ComprehensionDirections:Read the following four texts. Answer the questions below each text by choosing A, B, C or D. Mark your answers on ANSWER SHEET 1.Text 1“I’ve never met a human worth cloning,”says cloning expert Mark Westhusin from the cramped confines of his lab at Texas A&M University. “It’s a stupid endeavor.”That’s an interesting choice of adjective, coming from a man who has spent millions of dollars trying to clone a 13-year-old dog named Missy. So far, he and his team have not succeeded, though they have cloned two calves and expect to clone a cat soon. They just might succeed in cloning Missy later this year—or perhaps not for another five years. It seems the reproductive system of man’s best friend is one of the mysteries of modern science.Westhusin’s experience with cloning animals leaves him vexed by all this talk of human cloning. In three years of work on the Missyplicity project, using hundreds upon hundreds of canine eggs, the A&M team has produced only a dozen or so embryos carrying Missy’s DNA. None have survived the transfer to a surrogate mother. The wastage of eggs and the many spontaneously aborted fetuses may be acceptable when you’re dealing with cats or bulls, he argues, but not with humans. “Cloning is incredibly inefficient, and also dangerous,” he says.Even so, dog cloning is a commercial opportunity, with a nice research payoff. Ever since Dolly the sheep was cloned in 1997, Westhusin’s phone at A&M College of Veterinary Medicine has been ringing busily. Cost is no obstacle for customers like Missy’s mysterious owner, who wishes to remain unknown to protect his privacy. He’s plopped down $ million so far to fund the research because he wants a twin to carry on Missy’s fine qualities after she dies. But he knows her clone may not have her temperament. In a statement of purpose, Missy’s owners and the A&M team say they are “both looking forward to studying the ways that her clone differs from Missy.”The fate of the dog samples will depend on Westhusin’s work. He knows that even if he gets a dog viably pregnant, the offspring, should they survive, will face the problems shown at birth by other cloned animals: abnormalities like immature lungs and heart and weight problems. “Why would you ever want to clone humans,”Westhusin asks, “when we’re not even close to getting it worked out in animals yet?”1. Which of the following best represents Mr. Westhusin’s attitude toward cloning?［A］Animal cloning is a stupid attempt.［B］Human cloning is not yet close to getting it worked out.［C］Cloning is too inefficient and should be stopped.［D］Animals cloning yes, and human cloning at least not now.2. The Missyplicity project does not seem very successful probably because _____.［A］there isn’t enough fund to support the research［B］cloning dogs is more complicated than cloning cats and bulls［C］Mr. Westhusin is too busy taking care of the business［D］the owner is asking for an exact copy of his pet3. When Mr. Westhusin says “... cloning is dangerous,” he implies that _____.［A］lab technicians may be affected by chemicals［B］cats and dogs in the lab may die of diseases［C］experiments may waste lots of lives［D］cloned animals could outlive the natural ones4. We can infer from the third paragraph that _____.［A］rich people are more interested in cloning humans than animals［B］cloning of animal pets is becoming a prosperous industry［C］there is no distinction between a cloned and a natural dog［D］Missy’s master pays a lot in a hope to revive the dog5. We may conclude from the text that _____.［A］human cloning will not succeed unless the technique is more efficient［B］scientists are optimistic about cloning technique［C］many people are against the idea of human cloning［D］cloned animals are more favored by owners even if they are weakerText 2For more than two decades, . courts have been limiting affirmative-action programs in universities and other areas. The legal rationale is that racial preferences are unconstitutional, even those intended to compensate for racism or intolerance. For many colleges, this means students can be admitted only on merit, not on their race or ethnicity. It has been a divisive issue across the ., as educators blame the prolonged reaction to affirmative-action for declines in minority admissions. Meanwhile, activists continue to battle race preferences in courts from Michigan to North Carolina.Now, chief executives of about two dozen companies have decided to plunge headfirst into this politically unsettled debate. They, together with 36 universities and 7 nonprofitable organizations, formed a forum that set forth an action plan essentially designed to help colleges circumvent court-imposed restrictions on affirmative action. The CEOs’ motive: “Our audience is growing more diverse, so the communities we serve benefit if our employees are racially and ethnically diverse as well”, says one CEO of a compang that owns nine television stations.Among the steps the forum is pushing: finding creative yet legal ways to boost minority enrollment through new admissions policies; promoting admissions decisions that look at more than test scores; and encouraging universities to step up their minority outreach and financial aid. And to counter accusations by critics to challenge these tactics in court, the group says it will give legal assistance to colleges sued for trying them. “Diversity diminished by the court must be madeup for in other legitimate, legal ways,” says, a forum member.One of the more controversial methods advocated is the so-called 10% rule. The idea is for public universities—which educate three-quarters of all . undergraduates—to admit students who are in the top 10% of their high school graduating class. Doing so allows colleges to take minorities who excel in average urban schools, even if they wouldn’t have made the cut under the current statewide ranking many universities use.1. . court restrictions on affirmative action signifies that______.［A］minorities no longer hold the once favored status［B］the quality of American colleges has improved［C］racial preferences has replaced racial prejudice［D］the minority is on an equal footing with the majority2. What has been a divisive issue across the United States?［A］Whether affirmative action should continue to exist.［B］Whether this law is helping minorities or the white majority.［C］Whether racism exists in American college admission.［D］Whether racial intolerance should be punished.3. CEOs of big companies decided to help colleges enroll more minority students because they_____.［A］think it wrong to deprive the minorities of their rights to receive education［B］want to conserve the fine characteristics of American nation［C］want a workforce that reflects the diversity of their customers［D］think it their duty to help develop education of the country4. The major tactic the forum uses is to_____.［A］battle the racial preferences in court［B］support colleges involved in lawsuits of racism［C］strive to settle this political debate nationwide［D］find legally viable ways to ensure minority admissions5. If the 10% rule is applied, ______.［A］the best white high school students can get into colleges［B］public universities can get excellent students［C］students from poor rural families can go to colleges［D］good minority students can get into public universitiesText 3Positive surprises from government reports on retail sales, industrial production, and housing in the past few months are leading economists to revise their real gross domestic product (GDP) forecasts upward supporting the notion that the recession ended in December or January.Bear in mind: This recovery won’t have the vitality normally associated with an upturn. Economists now expect real GDP growth of about in the first quarter. That’s better than the theconsensus projected in December, but much of the additional growth will come from a slower pace of inventory drawdowns, not from surging demand.Moreover, the economy won’t grow fast enough to help the labor markets much. The only good news there is that jobless claims have fallen back from their spike after September 11 and that their current level suggests the pace of layoffs is easing.The recovery also does not mean the Federal Reserve will raise interest rates soon. The January price indexes show that inflation remains tame. Consequently, the Fed can take its time shifting monetary policy from extreme accommodation to relative neutrality.Perhaps the best news from the latest economic reports was the January data on industrial production. Total output fell only , its best showing since July. Factory output was flat, also the best performance in six months. Those numbers may not sound encouraging, but manufacturers have been in recession since late 2000. The data suggest that the factory sector is finding a bottom from which to start its recovery.Production of consumer goods, for instance, is almost back up to where it was a year ago. That’s because consumer demand for motor vehicles and other goods and the housing industry remained healthy during the recession, and they are still growing in early 2002.Besides, both the monthly homebuilding starts number and the housing market index for the past two months are running above the averages for all of 2001, suggesting that home-building is off to a good start and probably won’t be big drag on GDP growth this year.Equally important to the outlook is how the solid housing market will help demand for home-related goods and services. Traditionally, consumers buy the bulk of their furniture, electronics, and textiles within a year of purchasing their homes. Thus, spending on such items will do well this year, even as car sales slip now that incentives are less attractive. Look for the output of consumer goods to top year-ago level in coming months.Even the business equipment sector seems to have bottomed out. Its output rose % in January, led by a % jump computer gear. A pickup in orders for capital goods in the fourth quarter suggests that production will keep increasing—although at a relaxed pace—in coming months.1. American economists are surprised to see that______.［A］they have to revise the GDP forecasts so often［B］their government is announcing the end of a recession［C］US economy is showing some signs of an upturn［D］GDP growth reflects stronger domestic demand2. The most encouraging fact about the US economy is that_____ .［A］employment rates have risen faster than expected［B］the Federal Reserve will raise interest rates soon［C］industrial production is reaching its lowest point［D］some economic sectors have become leading industries3. Of which of the following did the author provide a guardedly optimistic view?［A］GDP growth. ［B］The number of layoffs.［C］Price indexes. ［D］Output of consumer goods.4. Which of the following is the guarantee of a better future for US economy?［A］Motor vehicles. ［B］Housing market.［C］Business equipment. ［D］Computer gear.5. Which of the following best summarizes the U. S. economic situation today?［A］American economists are painting a gloomy picture.［B］It is slowly warming up with moderate growth.［C］Recession may come back anytime in the coming months.［D］Most sectors are picking up at a surprisingly fast pace.Text 4Timothy Berners-Lee might be giving Bill Gates a run for the money, but he passed up his shot at fabulous wealth—intentionally—in 1990. That’s when he decided not to patent the technology used to create the most important software innovation in the final decade of the 20th century: the World Wide Web. Berners-Lee wanted to make the world a richer place, not a mass personal wealth. So he gave his brainchild to us all.Berners-Lee regards today’s Web as a rebellious adolescent that can never fulfill his original expectations. By 2005, he hopes to begin replacing it with the Semantic Web—a smart network that will finally understand human languages and make computers virtually as easy to work with as other humans.As envisioned by Berners-Lee, the new Web would understand not only the meaning of words and concepts but also the logical relationships among them. That has awesome potential. Most knowledge is built on two pillars: semantics and mathematics. In number-crunching, computers already outclass people. Machines that are equally adroit at dealing with language and reason won’t just help people uncover new insights; they could blaze new trails on their own.Even with a fairly crude version of this future Web, mining online repositories for nuggets of knowledge would no longer force people to wade through screen after screen of extraneous data. Instead, computers would dispatch intelligent agents, or software messengers, to explore Web sites by the thousands and logically sift out just what’s relevant. That alone would provide a major boost in productivity at work and at home. But there’s far more.Software agents could also take on many routine business chores, such as helping manufacturers find and negotiate with lowest-cost parts suppliers and handling help-desk questions. The Semantic Web would also be a bottomless trove of eureka insights. Most inventions and scientific breakthroughs, including today’s Web, spring from novel combinations of existing knowledge. The Semantic Web would make it possible to evaluate more combinations overnight than a person could juggle in a lifetime. Sure scientists and other people can post ideas on the Web today for others to read. But with machines doing the reading and translating technical terms, related ideas from millions of Web pages could be distilled and summarized. That will lift theability to assess and integrate information to new heights. The Semantic Web, Berners-Lee predicts, will help more people become more intuitive as well as more analytical. It will foster global collaborations among people with diverse cultural perspectives, so we have a better chance of finding the right solutions to the really big issues—like the environment and climate warming.1. Had he liked, Berners-Lee could have _____.［A］created the most important innovation in the 1990s［B］accumulated as much personal wealth as Bill Gates［C］patented the technology of Microsoft software［D］given his brainchild to us all2. The Semantic Web will be superior to today’s web in that it _____.［A］surpasses people in processing numbers［B］fulfills user’s original expectations［C］deals with language and reason as well as number［D］responds like a rebellious adult3. To search for any information needed on tomorrow’s Web, one only has to _____.［A］wade through screen after screen of extraneous data［B］ask the Web to dispatch some messenger to his door［C］use smart software programs called “agents”［D］explore Web sites by the thousands and pick out what’s relevant4. Thanks to the Web of the future, _____.［A］millions of web pages can be translated overnight［B］one can find most inventions and breakthroughs online［C］software manufacturers can lower the cost of computer parts［D］scientists using different specialty terms can collaborate much better5. The most appropriate title for this text is.［A］Differences between Two Webs［B］The Humanization of Computer Software［C］A New Solution to World Problems［D］The Creator and His Next CreationSection ⅢWritingDirections:You have received an invitation to the birthday party of your friend, Tom. But you can’t attend it. Write a note to Tom to1) thank him for the invitation,2) give reasons why you can’t go, and3) apologize and express your wishes.You should write about 100 words neatly on ANSWER SHEET 2. Do not sign your own name. Use “Li Ming”instead. You do not need to write the address.银行校园招聘考试英语部分专项训练答案解析Section ⅠUse of English 答案1.［精解］本题考查名词的词义辨析。

中国银行招聘考试英语真题试卷及答案解析

中国银行招聘考试英语真题试卷及答案解析一、词汇与语法构造( 总题数： 40，分数： 80.00)1.Muriel All is the landlord of a__________brownstone apartment building in Brooklyn ．A.10yalB.foreverC.historic √D.recorded【解析】loyal 表示“忠心的〞； forever 表示“永远的〞； historic 表示“历史上著名的或重要的〞；recorded 表示“已记录的〞。

用historic 形容“ brOWnstone apartment building 〞符合题意。

故此题正确答案为C。

2.When stocks 0f Jade Co ．__________public ， shares increased by more than five percent ．A.goB.goesC.goneD.went √【解析】主句时态是一般过去时，分句应用一般过去时，故此题正确答案为D。

3.All Dressed Up，a popular song by j azz musician Lonny Dangerfield ， is featured in __________for Bridgeport Custom Tailors ．A.chartsB.advancesC.recordings √D mercials【解析】 in recordings 表示“以录音的形式〞，用在这里符合题意，其他各项均不符合题意。

故此题正确答案为C。

ernor Ogden ’s new economic policies will focus on__________more jobs in Paxton County ．A.createB.creationC.creating √D.creative【解析】 foclls on 后面接动名词形式或名词，排除A 项。

英语版银行招聘考试题库

英语版银行招聘考试题库第一部分：语法和词汇1. 下列句子中哪个是正确的？a) The cat is sitting een the chair.b) The cat is sitting among the chair.c) The cat is sitting beside the chair.d) The cat is sitting besides the chair.2. 选择正确的形容词来填空：The weather is _______ today.a) niceb) nicelyc) goodd) well3. 下列单词中哪个是名词？a) quicklyb) slowlyc) happinessd) beautifully4. 选择正确的动词形式来填空：She _______ to the bank yesterday.a) gob) goesc) wentd) going5. 下列句子中哪个是正确的？a) He don't like coffee.b) He doesn't like coffee.c) He is like coffee.d) He is liking coffee.第二部分：阅读理解阅读以下短文，然后回答问题：Bank ServicesBanks offer a range of services to their customers. One of the main services is providing a safe place for people to deposit their money. Banks also offer loans to individuals and businesses, helping them with their financial needs. Another service banks provide is the ability to transfer money een accounts, both domestically and nally. nally, banks often offer investment services, such as stocks and bonds, to help customers grow their wealth.1. What is one of the main services provided by banks?2. How do banks help individuals and businesses?3. What is another service offered by banks besides transferring money?4. What kind of investment services do banks often provide?第三部分：写作请根据以下提示，写一篇关于理财的短文。

银行招聘英语考试参考题目

银行招聘英语考试参考题目第一部分：听力理解 (20分)
1. 听录音，选择正确的答案。

2. 听对话，回答以下问题。

3. 听短文，回答以下问题。

第二部分：阅读理解 (40分)
1. 阅读下面的短文，回答问题。

2. 阅读下面的短文，判断正误。

3. 阅读下面的短文，选择正确的选项。

4. 阅读下面的短文，完成句子。

第三部分：语言知识 (40分)
1. 选择正确的单词填空。

2. 选择正确的词组填空。

3. 根据句意，选择正确的动词形式。

4. 根据句意，选择正确的形容词或副词。

第四部分：写作 (30分)
1. 根据提示，写一篇短文。

2. 根据所给的问题，写一篇短文。

3. 根据所给的图表，写一篇短文。

第五部分：口语表达 (20分)
1. 根据所给话题，进行口头表达。

2. 根据所给情景，进行口头表达。

第六部分：翻译 (30分)
1. 将中文句子翻译成英文。

2. 将英文句子翻译成中文。

第七部分：写作 (30分)
1. 根据所给情景，写一封电子邮件。

2. 根据所给信息，写一篇小广告。

以上是《银行招聘英语考试参考题目》的内容。

希望能够帮助您为银行招聘英语考试做好准备。

祝您考试顺利！。

银行招聘考试专用：英语题库

银行招聘考试专用：英语题库第一部分：单选题1. Which of the following is NOT a type of bank account?A. Checking accountB. Savings accountC. Credit card accountD. Investment account2. What is the primary role of a central bank?A. Lending money to individualsB. Managing the country's monetary policyC. Providing financial advice to businessesD. Issuing credit cards to consumers3. What does the term "ATM" stand for?A. Automatic Teller MachineB. Advanced Transaction MethodC. Automated Transfer ModuleD. All-Time Money4. When a bank is "insolvent," it means that:A. The bank is experiencing high profitsB. The bank is unable to meet its financial obligationsC. The bank is expanding its operationsD. The bank has a large customer baseA. Conducting monetary policyB. Regulating the stock marketC. Providing loans to businesses and individualsD. Issuing government bonds第二部分：填空题1. The process of converting assets into cash is called __________.2. A __________ is a financial institution that facilitates the buying and selling of stocks and other securities.3. The __________ rate is the interest rate at which banks lend to each other in the short term.5. The __________ is the difference between a country's exports and imports.第三部分：简答题1. What are the main functions of a central bank?3. What is the role of credit rating agencies in the banking industry?5. How does inflation affect the banking system?第四部分：阅读理解Read the following passage and answer the questions:Passage:Question 1: What are the benefits of using credit cards?Question 2: Why is it important to use credit cards responsibly?Question 3: What can happen if individuals misuse credit cards?---以上题目仅供参考，具体的题目内容可以根据实际需要进行调整和修改。

2019银行校园招聘：英语阅读理解(八)

2019银行校园招聘：英语阅读理解（八）银行招聘网：2019银行校园招聘将在9-10月份正式开始，银行校园招聘笔试考试内容一般包括行政职业能力测试，英语，综合知识和性格测试。

针对部分英语基础较差现象，中公金融人小编在这里为各位考生整理银行校园招聘笔试英语模拟试题，包括单选和阅读理解，希望帮助考生顺利通过银行校园招聘考试！Passage 8INTELICOMKingston, Ontario M5H 3N2October 22Ms. Susan Newman320 Victoria StreetToronto, Ontario M5H 3N2Dear Ms. Newman,This is to confirm that the completed forms from your pre-employment health assessment have now been received. Therefore, I confirm that you will be able to start employment with INTERLICOM as an interim administrative assistant in the research department on October 30.The terms and conditions of your appointment are as follows:Salary: Actual salary $22,000 per year (based on $44,000 a year full time).Working pattern: Working commitment is 50 percent of full time. This equates to 128 days to be scheduled as agreed with the head of the research department and is inclusive of 6 days of annual leave.Duration of Service: One year.Payment of Salary: Please complete a bank authorization form (enclosed) and bring it, together with proof of identity, to the payroll office (fourth floor, Connaught Building) as soon as possible.Please sign and date the duplicate copy of this agreement and mail it back to me by October 25. Only when the signed document is received in this office will a contract exist between you and INTERLICOM according to the conditions set out above.We look forward to having you with us at INTELICOM.Yours sincerely,Ms. R.A. PalermoDirector of Human Resource ManagementEndorsementI have received the original of this letter dated October 22 and accept the appointment on the terms and conditions specified.Signature:……………………………….…… Date: ……………………………………………….(Ms. Susan Newman)1. According to the letter, what has Ms. Newman already done?A. She has visited the payroll office.B. She has had a health checkup.C. She has signed a contract.D. She has submitted some research.2. When will Ms. Newman start work?A. On October 10B. On October 22C. On October 25D. On October 303. What is NOT indicated in the letter?A. A part-time position is being offered to Ms. Newman.B. The contract will take effect as soon as Ms. Newman signs it.C. Ms. Newman's appointment will be for a limited period.D. Ms. Newman's will need to go to the Connaught Building.1.【答案】B。

招商银行校园招聘英语阅读原题及答案

2008年招商银行校园招聘英语阅读原题及解答The fact that superior service can generate a competitive advantage for a company does not mean that every attempt at improving service will create such an advantage. Investments in service， like those in production and distribution， must be balanced against other types of investments on the basis of direct， tangible benefits such as cost reduction and increased revenues. If a company is already effectively on a par with its competitors because it provides service that avoids a damaging reputation and keeps customers from leaving at an unacceptable rate， then investment in higher service levels may be wasted， since service is a deciding factor for customers only in extreme situations.This truth was not apparent to managers of one regional bank， which failed to improve its competitive position despite its investment in reducing the time a customer had to wait for a teller. The bank managers did not recognize the level of customer inertia in the consumer ban industry that arises from the inconvenience of switching banks. Nor did they analyze their service improvement to determine whether it would attract new customers by producing a new standard of service that would excite customers or by proving difficult for competitors to copy. The only merit of the improvement was that it could easily be described to customers.1. The primary purpose of the passage is to(A) contrast possible outcomes of a type of business investment(B) suggest more careful evaluation of a type of business investment(C) illustrate various ways in which a type of business investment could fail to enhance revenues(D) trace the general problems of a company to a certain type of business investment(E) criticize the way in which managers tend to analyze the costs and benefits of business investments2. According to the passage, investments in service are comparable to investments in production and distribution in terms of the(A) tangibility of the benefits that they tend to confer(B) increased revenues that they ultimately produce(C) basis on which they need to be weighed(D) insufficient analysis that managers devote to them(E) degree of competitive advantage that they are likely to provide3. The passage suggests which of the following about service provided by the regional bank prior to its investment in enhancing that service?(A) It enabled the bank to retain customers at an acceptable rate(B) It threatened to weaken the bank's competitive position with respect to other regional banks(C) It had already been improved after having caused damage to the bank's reputation in the past.(D) It was slightly superior to that of the bank's regional competitors.(E) It needed to be improved to attain parity with the service provided by competing banks.4. The passage suggests that bank managers failed to consider whether or not the service improvement mentioned in line 19(A) was too complicated to be easily described to prospective customers(B) made a measurable change in the experiences of customers in the bank's offices(C) could be sustained if the number of customers increased significantly(D) was an innovation that competing banks could have imitated(E) was adequate to bring the bank's general level of service to a level that was comparable with that of its competitors5. The discussion of the regional bank (line 13-24) serves which of the following functions within the passage as a whole?(A) It describes an exceptional case in which investment in service actually failed to produce a competitive advantage.(B) It illustrates the pitfalls of choosing to invest in service at a time when investment is needed more urgently in another area.(C) It demonstrates the kind of analysis that managers apply when they choose one kind of service investment over another(D) It supports the argument that investments in certain aspects of service are more advantageous than investments in other aspects of service.(E) It provides an example of the point about investment in service made in the first paragraph.6. The author uses the word "only" in line 23 most likely in order to(A) highlight the oddity of the service improvement(B) emphasize the relatively low value of the investment in service improvement(C) distinguish the primary attribute of the service improvement from secondary attributes(D) single out a certain merit of the service improvement from other merits(E) point out the limited duration of the actual service improvementHow many really suffer as a result of labor market problems? This is one of the most critical yet contentious social policy questions. In many ways, our social statistics exaggerate the degree of hard ship. Unemployment does not have the same dire consequences toda y as it did in the 1930’s when most of the unemployed were primary breadwinners, when income and earnings were usually much closer to the marginof subsistence, and when there were no countervailing social programs for those failing in the labor market. Increasing affluence, the rise of families with more than one wage earner, the growing predominance of secondary earners among the unemployed, and improved social welfare protection have unquestionably mitigated the consequences of joblessness. Earnings and income data also overstate the dimensions of hardship. Among the millions with hourly earnings at or below the minimum wage level, the overwhelming majority are from multiple-earner, relatively affluent families. Most of those counted by the poverty statistics are elderly or handicapped or have family responsibilities which keep them out of the labor force,so the poverty statistics are by no means an accurate indicator of labor market pathologies.Yet there are also many ways our social statistics underestimate the degree of labor-market-related hardship. The unemployment counts exclude the millions of fully employed workers whose wages are so low that their families remain in poverty. Low wages and repeated or prolonged unemployment frequently interact to undermine the capacity for self-support. Since the number experiencing joblessness at some time during the year is several times the number unemployed in any month, those who suffer as a result of forced idleness can equal or exceed average annual unemployment, even though only a minority of the jobless in any month really suffer. For every person counted in the monthly unemployment tallies, there is another worpart-time because of the inability to find full-time work, or else outside the labor force but wanting a job. Finally, income transfers in our country have always focused on the elderly, disabled, and dependent, neglecting the needs of the wor poor, so that the dramatic expansion of cash and in-kind transfers does not necessarily mean that those failing in the labor market are adequately protected. As a result of such contradictory evidence, it is uncertain whether those suffering seriously as a result of thousands or the tens of millions, and, hence, whether high levels of joblessness can be tolerated or must be countered by job creation and economic stimulus. There is only one area of agreement in this debate---that the existing poverty, employment, and earnings statistics are inadequate for one their primary applications, measuring the consequences of labor market problems.1. Which of the following is the principal topic of the passage?(A) What causes labor market pathologies that result in suffering(B) Why income measures are imprecise in measuring degrees of poverty(C) Which of the currently used statistical procedures are the best for estimating the incidence of hardship that is due to unemployment(D) Where the areas of agreement are among poverty, employment, and earnings figures(E) How social statistics give an unclear picture of the degree of hardship caused by low wages and insufficient employment opportunities2. The author uses "labor market problems" in lines 1-2 to refer to which of the following?(A) The overall causes of poverty(B) Deficiencies in the training of the work force(C) Trade relationships among producers of goods(D) Shortages of jobs providing adequate income(E) Strikes and inadequate supplies of labor3. The author contrasts the 1930's with the present in order to show that(A) more people were unemployed in the 1930's(B) unemployment now has less severe effects(C) social programs are more needed now(D) there now is a greater proportion of elderly and handicapped people among those in poverty(E) poverty has increased since the 1930's4.Which of the following proposals best responds to the issues raised by the author?(A) Innovative programs using multiple approaches should be set up to reduce the level of unemployment.(B) A compromise should be found between the positions of those who view joblessness as an evil greater than economic control and those who hold the opposite view.(C) New statistical indices should be developed to measure the degree to which unemployment and inadequately paid employment cause suffering.(D) Consideration should be given to the ways in which statistics can act as partial causes of the phenomena that they purport to measure.(E) The labor force should be restructured so that it corresponds to the range of job vacancies.5.The author's purpose in citing those who are repeatedly unemployed during a twelve-month period is most probably to show that(A) there are several factors that cause the payment of low wages to some members of the labor force(B) unemployment statistics can underestimate the hardship resulting from joblessness(C) recurrent inadequacies in the labor market can exist and can cause hardships for individual workers(D) a majority of those who are jobless at any one time to not suffer severe hardship(E) there are fewer individuals who are without jobs at some time during a year than would be expected on the basis of monthly unemployment figures6. The author states that the mitigating effect of social programs involving income transfers on the income level of low-income people is often not felt by(A) the employed poor(B) dependent children in single-earner families(C) workers who become disabled(D) retired workers(E) full-time workers who become unemployed7. According to the passage, one factor that causes unemployment and earnings figures to overpredict the amount of economic hardship is the(A) recurrence of periods of unemployment for a group of low-wage workers(B) possibility that earnings may be received from more than one job per worker(C) fact that unemployment counts do not include those who work for low wages and remain poor(D) establishment of a system of record-keeping that makes it possible to compile poverty statistics(E) prevalence, among low-wage workers and the unemployed, of members of families in which others are employed8. The conclusion stated in lines 33-39 about the number of people who suffer asa result of forced idleness depends primarily on the point that(A) in times of high unemployment, there are some people who do not remain unemployed for long(B) the capacity for self-support depends on receiving moderate-to-high wages(C) those in forced idleness include, besides the unemployed, both underemployed part- time workers and those not actively see work(D) at different times during the year, different people are unemployed(E) many of those who are affected by unemploy- ment are dependents of unemployed workers9. Which of the following, if true, is the best criticism of the author's argument concerning why poverty statistics cannot properly be used to show the effects of problems in the labor market?(A) A short-term increase in the number of those in poverty can indicate a shortage of jobs because the basic number of those unable to accept employment remains approximately constant.(B) For those who are in poverty as a result of joblessness, there are social programs available that provide a minimum standard of living.(C) Poverty statistics do not consistently agree with earnings statistics, when each is taken as a measure of hardship resulting from unemployment.(D) The elderly and handicapped categories include many who previously were employed in the labor market.(E) Since the labor market is global in nature, poor workers in one country are competing with poor workers in another with respect to the level of wages and the existence of jobs.。

银行职位招聘考试-英语试题

银行职位招聘考试-英语试题本文档为银行职位招聘考试的英语试题，旨在评估考生的英语能力以及相关银行知识。

以下是试题内容：阅读理解阅读下面的短文，然后根据短文内容回答问题。

Passage 1The banking industry plays a crucial role in the economy by providing financial services to individuals, businesses, and governments. Banks accept deposits, offer loans, facilitate ns, and provide us investment opportunities.One of the primary ns of banks is to accept deposits from individuals and businesses. These deposits can be in the form of savings accounts, checking accounts, or certificates of deposit (CDs). By accepting deposits, banks provide a safe and secure place for people tostore their money. In return, banks pay interest on these deposits, allowing individuals to earn some return on their savings.Banks also offer loans to individuals and businesses. Loans can be used for us purposes, such as purchasing a home, starting a business, or financing n. When a bank provides a loan, it charges interest on the borrowed amount, which is the cost of borrowing money. Repayment terms and interest rates vary depending on the type of loan and the borrower's orthiness.Furthermore, banks facilitate ns by providing services such as online banking, debit cards, and wire transfers. These services allow customers to conveniently manage their accounts and make payments. Banks also act as intermediaries in the transfer of funds een different entities, ensuring the smooth flow of money in the economy.Lastly, banks provide investment opportunities to individuals and businesses. They offer products such as savings bonds, mutual funds, and retirement accounts. These investment ns allow customers to grow their wealth over time and plan for their financial future.ns:1. What are some of the primary ns of banks?2. How do banks pay individuals who deposit money with them?3. What is the cost of borrowing money from a bank called?4. What services do banks provide to facilitate ns?5. How do banks help individuals and businesses plan for their financial future?Passage 2Banking ns are rules and guidelines that govern the ns of banks and financial ns. These ns are put in place to ensure the stability and integrity of the banking system, protect customers, and prevent financial crises.One important aspect of banking ns is capital requirements. Banks are required to maintain a certain level of capital to ensure they have enough funds to cover potential losses. This helps safeguard depositors' money and maintain the stability of the banking system.Another key n is the Know Your Customer (KYC) policy. Banks are required to verify the identity of their customers to prevent money laundering and other illegal activities. This involves conducting due diligence and collecting relevant n, such as n documents and proof of address, from customers.nally, banking ns address issues such as consumer n, fair lending practices, and disclosure requirements. These ns aim to protect customers from unfair practices and ensure banks provide clear and transparent n about their products and services.ns:1. Why are banking ns necessary?2. What is the purpose of capital requirements?3. What is the significance of the Know Your Customer (KYC) policy?4. How do banking ns protect consumers?5. Who enforces banking ns?完形填空阅读下面的短文，然后从给出的选项中选择最适合的词语填入空白处，使短文内容完整。

银行校招英语试题及答案

银行校招英语试题及答案一、听力理解（共15分）1. A. 银行业务 B. 投资咨询 C. 个人理财 D. 企业贷款2. A. 利率上升 B. 通货膨胀 C. 股市下跌 D. 经济复苏3. A. 存款 B. 贷款 C. 信用卡 D. 支票4. A. 风险管理 B. 客户服务 C. 市场分析 D. 财务规划5. A. 银行家 B. 分析师 C. 投资顾问 D. 风险经理答案：1. C2. A3. B4. D5. B二、阅读理解（共30分）阅读下列短文，然后回答问题。

Passage 1The banking industry has been undergoing significant changes in recent years. With the rise of digital technology, banks are now offering a variety of online services to their customers. These services include online banking, mobile banking, and digital wallets, which have become increasingly popular among the younger generation.Questions:6. What is the main topic of the passage?7. Which services are mentioned in the passage?8. Who are the main users of these services?Passage 2Inflation is a key economic indicator that affects the purchasing power of money. When inflation rises, the value of money decreases, and people find that they can buy less with the same amount of money. Central banks often use monetary policy to control inflation, such as adjusting interest rates.Questions:9. What does the passage mainly discuss?10. What happens when inflation rises?11. How do central banks control inflation?Passage 3Personal finance is an important aspect of everyone's life.It involves managing one's income, expenses, savings, and investments. Proper financial planning can help individuals achieve their financial goals and maintain a healthyfinancial status.Questions:12. What is the main subject of the passage?13. What are the components of personal finance?14. Why is financial planning important?答案：6. The main topic of the passage is the changes in thebanking industry due to digital technology.7. The services mentioned are online banking, mobile banking, and digital wallets.8. The main users of these services are the younger generation.9. The passage mainly discusses inflation and its effects.10. When inflation rises, the value of money decreases, and people can buy less with the same amount of money.11. Central banks control inflation by using monetary policy, such as adjusting interest rates.12. The main subject of the passage is personal finance.13. The components of personal finance are managing income, expenses, savings, and investments.14. Financial planning is important to help individuals achieve their financial goals and maintain a healthyfinancial status.三、完形填空（共20分）阅读下面的短文，从短文后各题所给的四个选项中，选出可以填入空白处的最佳选项。

2020年秋季浙商银行校园招聘英语真题(完整版)

且喜平常度，切忌神慌乱。

畅游题海后，金榜题君名。

考试在即，祝你成功。

2020年秋季浙商银行校园招聘英语真题一、选题填空1.And they must be swifter to embrace new technology, from the excitement of the Internet to the _______ of the telephone.A. dullness?B. pressure?C. tension?D. restrictions2.A(n) _______ five years ago, Pangkor boasted sweet-singing birds. Now the jungle is being cut down.A. just?B. mere?C. only?D. simple3.Those firms plan to raise capital locally to _______ the expansion.A. form?B. fund?C. file?D. find4.Doctors have to be very careful when making a _______.A. treatment?C. diagnosis?D. patient5.New employees should spent more of their time on _______ duties.A. professional?B. additional?C. exceptional?D. international6.They’re not allowed contact with the outside world or any substances that haven’t been fully _______.A. infected?B. sanitized?C. packed?D. tidy7.It was no _______ that his car was seen near the bank when the robbery happened.A. certainty?B. convention?C. complication?D. coincidence8.Chinese table cloth is _______ for its fine quality, exquisite workmanship and compelling style.A. notable?B. distinctive?D. deviated9.Because of increased operating costs, we have been forced to _______ our prices.A. arise?B. raise?C. raze?D. rise10.Once _______ Seine is crossed, Paris lies open to the invader.A. a?B. the?C. this?D. that11.Tanner Publications is currently seeking a copy editor with previous experience _______ excellent communication skills.A. unless?B. and?C. but?D. such12. Tickets to _______ the variety show and the comedy show can now be purchased at special group rates.A. what?B. both?C. and?D. with13. I prefer to take a plane rather than _______ a train.A. take?B. takes?C. taken?D. took14.Without the teacher’s instruction, he _______ any great progress.A. would not make?B. would not have madeC. should not have made?D. should not make15.What college applicants need to remember is that the news they receive, _______ good _______ bad, is but a single step on a much longer journey.A. weather; nor?B. weather; or?C. whether; nor?D. whether; or16.Not until the dedication of Yellowstone Park in the late nineteenth century _______ a national park.A. the United States hadB. did the United States haveC. when the United States hadD. the United States having17.Your sister_______ go swimming quite often, didn’t she?A. was used to?B. use to?C. used to?D. is used to18.The earthquake made the house _______ in a mess.We’d better have it _______.A. been; decorated?B. been; decorate?C. be; decorate?D. be; decorated19.The manager sooner realized that, _______, things would get worse.A. unless dealt with it properlyB. unless properly dealt withC. if not properly dealing with itD. if dealt not properly with20._______ is well known, data under-determines theories.A. What?B. As?C. That?D. Which二、阅读理解Text1“Right now we’re estimating that there are about 40,000 elephants being killed every year,”he says, “and there are only 400,000 left in Africa. So that’s a tenth of the population a year.”Several years ago, Wasser developed a way to use DNA in tusks to tell what part of Africa the elephants lived in. Now he’s trying to use DNA to pinpoint how the ivory is moved to its final destination.The cartels that run the ivory trade try to cover their tracks. They falsify shipping documents, for example, and hide the ivory under other goods in shipping containers. And they send the ivory to multiple ports before its final destination. Wasser analyzed DNA from tusks that were seized by customs officials. He noticed that smugglers often separate the two tusks that come from a single elephant and ship them separately, apparently to make it harder to track where they came from. But Wasser found a pattern. Almost always, he says, “The two shipments with matching tusks passed through a common port. They were shipped close together in time and they showed high overlap in the genetically determined origins of the tusks, “So these three characteristics suggest that the same major trafficking cartel was actually responsible for…both of the shipments”.Wasser says wildlife authorities rarely get enough evidence to identify the big players, often it’s their smaller suppliers who get caught with only as much ivory as they can carry. Those convictions are well down the smuggling pyramid and don’t do much stem the trade. His technique aims higher. “When you get a strong connection in the DNA, all the sudden that weak evidence becomes much more confirming”. Wasser says the DNA technique allows authorities to link different shipments to a small number of ports, made about the same time, with ivory from elephants in just a few locations in Africa —and that narrows the search for the responsible cartel. Writing in the journal Science Advances. Wasser’s team has identified three cartels associated with much of the recent trade. They operate out of Mombasa, Kenya, Entebbe, Uganda, and Lome, Togo.Conservationists say it’s important to eliminate demand for ivory as well. The biggest market is in Asia, and the Chinese government has pledged to discourage it within its borders. But data from experts who monitor the Convention on International Trade in Endangered Species say international trade is still running strong even as poaching in Africa has dipped. “We need something really urgent that gets in there and really stops the trade in its tracks.”Wasser says.1. What can be the best title of the passage?A. Wildlife Protection: DNA Test Helps Track Down Ivory LocationB. Wildlife Protection: DNA Technique Helps Clone Endangered ElephantsC. Wildlife Protection: The Importance of Issuing A Ban On Ivory SalesD. Wildlife Protection: The Challenges of Stopping Cross-Country Smuggling2. What is NOT the common practice of smugglers according to the passage?A. They ship two tusks from one elephant separatelyB. They use historically secure smuggling routes for shipmentC. They send the ivory to multiple ports before its final destinationD. They hide the ivory in innocent-looking shipments of other goods3. What can we learn about the DNA technique?A. It can help identify the ivory and the cartelB. It has been used by wildlife authorities in AfricaC. It aims to catch the smaller suppliers in smugglingD. It can clone the ivory items to meet more demands4. What does Wasser think of wildlife protection?A. It is uselessB. It is challengingC. It is time-consumingD. It is money-consuming5. What can we learn from the passage?A. Poaching elephants in Africa has decreasedB. International trade on ivory has been stoppedC. DNA test has become a key technology in biologyD. Bans on ivory sales have been issued in many countriesText2：If you have ever considered launching a startup, you may feel that it requires an all-in, 100%percent focus, which would mean leaving a full-time job.A new book by Patrick McGinnis, venture capitalist and founder of Dirigo Advisors, argues that all you need is 10% of your spare time to become an entrepreneur.Patrick stopped by the Knowledge@Wharton Show on Sirius XM channel 111 to talk about the book: The 10% Entrepreneur.Knowledge@Wharon: How did you arrive at 10%?Patrick McGinnis: I did this myself. I was the guy bumbling around in the dark room looking for the light switch in my own life. I came out of this experience where my career went into upheave, and I was looking for diversification. I started thinking, “What’s an appropriate amount of time to spend on things outside of my day job that is meaningful but achievable?”I started at 20%. I thought, that feels like a lot —let me get down to 10%. Over time I found out that the average angel investor invests 10% of their net worth in side ventures.Knowledge@Wharon: How many potential entrepreneurs do you think are scared away because they feel like they are sticking their neck out there, that they have to go 100% or they can’t go at all?McGinnis: It’s a substantial number of people. They look at that and say, “It’s great, but I have a good job. I’m doing something that I always wanted to do. I am not going to give all that up for the roller coaster that is entrepreneurship.”I think it is actually quite pervasive. As I’ve talked to people about the book, I’ve been shocked at how many people throughout society are struggling with this dilemma.6. Who is the author of the 10% Entrepreneur?A. McGinnis?B. Dirigo?C. Wharton?D. Sirius7. Why 10% is valid according to Patrick?A. 10% symbolize a small percentage. It is not a specific numberB. 10% sounds very cool. The book sells letter this wayC.Patrick himself proved 10% to be plausibleD. Only 10% can be called part-time8. What does “pervasive”mean?A. Harmful?B. Wide-spread?C. Surprising?D. Preconditioned9. What does “I was the guy bumbling around in the dark room looking for the light switch in my own life”imply?A. I like to live in dark room so that I can look for lightB. I got used to the feeling of falling down in the dark room but haven’t surrender yetC. I but bulb to light up the dark room all the timesD. I have gone through hard times during which I look for hope against all odds10. What is Not the reason that deter people from starting up their own business?A. They are somewhat satisfied with their jobsB. Starting up business is too riskyC. 10% is a lot of effort to begin withD. The opportunity cost is high。

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银行校园招聘常考英语阅读专项练习八
The productivity of Americans employed in private businesses has declined. The productivity of workers in countries such as Japan and Germany is increasing. American machine tools, on average, are old, relatively inefficient, and rapidly becoming obsolete, whereas those of our competitors overseas, in comparison, are newer and more efficient. We are no longer the most productive workers in the world. We are no longer the leaders in industrial innovation (革新). We are an immensely
wealthy nation of educated men and women who seem to have lost sight of the fact that everything—from the simplest necessities to the finest luxuries—must be produced through our own collective hard work. We have come to expect automatic increases in our collective standard of living, but we seem to have forgotten that these increases are possible only when our productivity continues to grow.
One thing that must change is the rate at which we substitute capital equipment for human labor. Simply put, our labor force has increased at a far greater rate than has our stock of capital investment. We seem to have forgotten that our past productivity gains, to a large extent, were realized from substitutions of capital for human labor. Today, 3 times as many robots are listed as capital assets by Japanese firms as by United States firms.
There is no doubt that robots will become a common sight in American factories. Representing a new generation of technology, robots will replace factory labor much as the farm tractor replaced the horse. Robot technology has much to offer. It offers higher levels of productivity and quality at lower costs; in promises to free men and women from the dull, repetitious toil of the factory, it is likely to have an impact on society comparable to that made by the growth of computer technology.
1. The word "obsolete"(Para. 1) most probably means_______.
A. weak
B. old
C. new
D. out of date
2. The author is anxious about_______.
A. his people no longer taking the lead in industrial innovation
B. his country no longer being a wealthy nation
C. his people forgetting to raise their productivity
D. his country falling behind other industrial nations
3. According to the author, in his country_______..
A. the proportion of labor force to capital investment is quite low
B. the growth rate of labor force should be greater than that of capital investment
C. the productivity increases should be achieved by the increases of labor force
D. capital investment should have increased more rapidly than labor force
4. So far as the influence on society is concerned, _______.
A. robot technology seems to be much more promising than computer technology
B. computer technology has less to offer than robot technology
C. robot technology can be compared with computer technology
D. robot technology cannot be compared with computer technology
5. The purpose of the author in writing this passage is to show that_______.
A. robots will help increase labor productivity
B. robots will rule American factories
C. robots are cheaper than human laborers
D. robots will finally replace humans in factories
1. D
2. C
3. D
4. C
5. A。

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