银行系统招聘考试(英语)历年真题试卷汇编3

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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。

银行系统招聘考试英语(中国工商银行)模拟试卷3(题后含答案及解析)

银行系统招聘考试英语（中国工商银行）模拟试卷3(题后含答案及解析)题型有：1. 词汇与语法结构 3. 阅读理解 6. 选词填空词汇与语法结构1．Some of our clients have complained that the time it takes to get a from a service representative is enough to make them not want to use our services again.A．responseB．respondingC．respondedD．respond正确答案：A解析：我们的一些客户投诉说，从服务人员处得到答复的时间足以让他们不想再使用我们的服务。

本题需选择适当的词形。

故A为正确答案。

2．After a long and gruesome season, Jeff Wills has been performing ___better since the playoffs started a week ago.A．significanceB．significantC．significancyD．significantly正确答案：D解析：经过一个漫长而可怕的赛季，杰夫·威利斯自上周开始的季后赛以来，一直表现得十分出色。

横线处需要填入修饰形容词比较级better的副词，因此答案是D。

阅读理解SA VE 20%It’s only a phone call away MAYCOTT HOTELS Over 30 five-star hotels all over the nation to suit your every need Reserve a room today, and you will save 20% on all rooms at Maycott “Room for the Day”(excluding tax)by using your American Express Corporate Card. Due to seasonal demands, the availability of rooms may be subject to each hotel’s situation. An advanced reservation, to be made by calling our toll free number 1 -800-755-0090 at least 10 working days before your stay, is required to qualify for the discount.3．What will the discount apply to?A．AccommodationsB．MealsC．TransportationD．Sales tax正确答案：A解析：文中提到you will save 20％on all rooms，故答案是表示rooms的A。

银行系统招聘考试英语(中国工商银行)历年真题试卷汇编3(题后含

银行系统招聘考试英语（中国工商银行）历年真题试卷汇编3(题后含答案及解析)题型有：1. 词汇与语法结构 2. 阅读理解词汇与语法结构1．The repairperson could not find the specific problem______ had caused the computer to crash.A．howB．whomC．whatD．that正确答案：D解析：通过分析句子结构，空格前为主语+动词+宾语的结构，因此空格以后的都必须为修饰先行词problem的关系代词从句。

2．According to the sales director, Ms. Elms is______ to one of our subsidiaries to collaborate with its sales team.A．deliveringB．visitingC．transferringD．replacing正确答案：C解析：通过选项可以知道此题为选择符合句意的动词的问题。

C表示“调到”符合句意。

3．We need to conduct extensive background research on the firms from______ we received bids.A．whichB．whereC．thatD．when正确答案：A解析：通过选项可以知道此题为选择恰当的关系代词的问题。

介词from之前的结构为“主语+动词+宾语”，从而可以知道，from后面的部分为修饰先行词firms的关系代词从句。

4．The director decided to delegate some of the work to a subcontractor after hisemployees ______ help with the project.A．inquiredB．requestedC．askedD．insisted正确答案：B解析：选项中可以直接接宾语的及物动词为正确答案。

银行系统招聘考试(英语)历年真题汇编及答案解析(9)

银行系统招聘考试（英语）历年真题汇编及答案解析（9）(1~5/共5题)PART Ⅲ：READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following each reading selection on the basis of what is stated or implied in that selection.Since the early 1930s，Swiss banks had prided themselves on their system of banking secrecy and numbered accounts．Over the years，they had successfully withstood every challenge to this system by their own government who，in turn，had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders．The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking．There was a widely-held belief that Switzerland was irresistible to wealthy foreigners，mainly because of its numbered accounts and bankers’reluctance to ask awkward questions of depositors．Contributing to the mystique was the view，carefully propagated by the banks themselves，that if this secret was ever given up，foreigners would fall over themselves in the rush to withdraw money，and the Swiss banking system would virtually collapse overnight．To many，therefore，it came like a bolt out of the blue，when，in 1977，the Swiss banks announced they had signed a pact with the Swiss National Bank(the Central Bank)．The aim of the agreement was to prevent the improper use of the country’s bank secrecy laws，and its effect to curb(遏制)severely the system of secrecy．The rules which the banks had agreed t o observe made the opening of numbered accounts subject to much closer scrutiny than before．The banks would be required，if necessary，to identify the origin of foreign fund going into numbered and other accounts．The idea was to stop such accounts being used for dubious(可疑的)purposes．Also，they agreed not to accept funds resulting from tax evasion or from crime．The pact represented essentially a l ightening up of banking rules．Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts，they were still not obliged to inform on a client t o anyone，including the Swiss government．To some extent，therefore，the principle of secrecy had been maintained．第1题【2015建设银行】Swiss banks took pride in_______．A.the number of their accountsB.withholding client informationC.being mysterious to the outsidersD.attracting wealthy foreign clients第2题【2015建设银行】According to the passage，the widely-held belief that Switzerland was irresistible to wealthy foreigners was_______by banks themselves．A.deniedB.criticizedC.reviewedD.defended第3题【2015建设银行】In the last paragraph，the writer thinks that_______．plete changes had been introduced into Swiss banksB.Swiss banks could no long keep client informationC.changes in the bank policies had been somewhat superficialD.more changes need to be considered and made第4题【2015建设银行】Swiss banks are tightening its banking rules by_______．A.examining the origin of foreign funds before going into accountsB.preventing doubtful accounts from going into the bankC.refusal of funds from crimes or tax evasionsD.all of the above第5题【2015建设银行】The purpose of the pact signed with the Swiss National Bank was_______．A.to attract more wealthy foreigners to the bankB.to stop improper use of the banking secrecy laws of the countryC.to increase the numbered accounts of the Swiss BanksD.to add mystery to Swiss Banks下一题 选词填空第25题【2015工商银行】Supplies were parachuted into the earthquake zone．A.suburb。

银行系统招聘考试(英语)模拟试卷3(题后含答案及解析)

银行系统招聘考试（英语）模拟试卷3(题后含答案及解析)全部题型 3. 阅读理解5. 完形填空6. 选词填空阅读理解I arrived at my mother’S home for our Monday family dinner．The smells of food flew over from the kitchen．Mother was pulling out quilt(被子)after quilt from the boxes。

proudly showing me their beauties．She was preparing for a quilt show at the Elmhurst Church．When we began to fold and put them back into the boxes，I noticed something at the bottom of one box．I pulled it out．“What is this?”I asked．“Oh?”Morn said，“That’S Mama’S quilt．”I spread the quilt．It looked as if a group of school children had pieced it together l irregular designs，childish pictures，a crooked line on the right．“Grandmother made this?”I said，surprised．My grandmother was a master at making quihs．This certainly didn’t look like any of the quilts she had made．“Yes,right before she died．1 brought it home with me last year and made some changes，”she said．“I’m still working on it．See，this is what I’ve done so far．”I looked at it more closely．She had made straight a crooked line．At the center of the quilt，she had stitched(缝)a piece of cloth with these words：“My mother made many quilts．She didn’t get all lines straight．But I think this is beautiful．1 want tO see it finished．Her last quilt．”“Oh，this is so nice，Mom，”I said．It occurred to me that by completing my grandmother’s quilt，my mother was honoring her own mother．I realized，too，that I held in my hands a family treasure．It started with the loving hands of one woman，and continued with the loving hands of another．1．Why did the author go to her mother’home?_________．A．To see her mother’s quilts．B．To help prepare for a show．C．To get together for the family dinner．D．To discuss her grandmother’S life.正确答案：C解析：细节理解题。

银行系统招聘考试(英语)中国建设银行历年真题汇编及答案解析(3)

银行系统招聘考试（英语）中国建设银行历年真题汇编及答案解析（3）(1~5/共15题)PART Ⅲ：READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following each reading selection on the basis of what is stated or implied in that selection."Most episodes of absent-mindedness------forgetting where you left something or wondering why you just entered a room------are caused by a simple lack of attention," says Schacter, "You´re supposed to remember something, but you haven´t encoded it deeply."Encoding, Schacter explains, is a special way of paying attention to an event that has a major impact on recalling it later. Failure to encode properly can create annoying situations. If you put your mobile phone in a pocket, for example, and don´ t pay attention to what you did because you´re involved in a conversation, you´ll probably forget that the phone is in the jacket now hanging in you wardrobe(衣柜). "Your memory itself isn´t failing you," says Schacter, "Rather, you didn´t give your memory system the information it needed."Lack of interest can also lead to absent-mindedness. "A man who can recite sports statistics from 30 years ago," says Zelinski,"may not remember to drop a letter in the mailbox." Women have slightly better memories than men, possibly because they pay more attention to their environment, and memory relies on just that."Visual cues can help prevent absent-mindedness," says Schacter, "But be sure the cue is clear and available," he cautions. If you want to remember to take a medication(药物)with lunch, put the pill bottle on the kitchen table------don´t leave it in the medicine chest and write yourself a note that you keep in a pocket Another common episode of absent-mindedness: Walking into a room and wondering why you´re there. Most likely, you were thinking about something else. "Everyone does this from time to time," says Zelinski. The best thing to do is to return to where you were before entering the room, and you´ll be likely to remember.第1题Why does the author think that encoding properly is very important?A.It helps us understand our memory system betterB.It enables us to recall something from our memoryC.It expands our memory capacity considerablyD.It slows down the process of losing our memory第2题One possible reason why women have better memories than men is that( ).A.they have a wider range of interestsB.they are more reliant on the environmentC.they have an unusual power of focusing their attentionD.they are more interested in what´ s happening around them第3题A note in the pocket can hardly serve as a reminder because( ).A.it will easily get lostB.it´s not clear enough for you to readC.it´s out of your sightD.it might get mixed up with other things第4题What do we learn from the last paragraph?A.If we focus our attention on one thing, we might forget anotherB.Memory depends to a certain extent on the environmentC.Repetition helps improve our memoryD.If we keep forgetting things, we´ d better return to where we were第5题What is the passage mainly about?A.The process of gradual memory lossB.The causes of absent-mindednessC.The impact of the environment on memoryD.A way if encoding and recalling下一题(6~10/共15题)PART Ⅲ：READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following each reading selection on the basis of what is stated or implied in that selection.If the trade unionist Jimmy Hoffa were alive today, he would probably represent civil servant. When Hoffa´s Teamsters were in their prime in 1960, only one in ten American government workers belonged to a union; now 36% do. In 2009 the number of unionists in America´s public sector passed that of their fellow members in the private sector. In Britain, more than half of public-sector workers but only about 15% of private-sector ones are unionized.There are three reasons for the public-sector unions´ thriving. First, they can shut things down without suffering much in the way of consequences. Second, they are mostly bright and well-educated. A quarter of America´s public-sector workers have a university degree. Third, they now dominate left-of-centre politics. Some of their ties go back a long way. Britain´s Labor Party, as its name implies, has long been associated with trade unionism. Its current leader, Ed Miliband, owes his position to votes from public-sector unions.At the state level their influence can be even more fearsome. Mark Baldassare of the Public Policy Institute of California points out that much of the state´ s budget is patrolled by unions. The teachers´ unions keep an eye on schools, the CCPOA on prisons and a variety of labor groups on health care.In many rich countries average wages in the state sector are higher than in the private one. But the real gains come in benefits and work practices. Politicians have repeatedly "backloaded" public-sector pay deals, keeping the pay increases modest but adding to holidays and especially pensions that are already generous.Reform has been vigorously opposed, perhaps most egregiously in education, where charter schools, academies and merit pay all faced drawn-out battles. Even though there is plenty of evidence that the quality of the teachers is the most important variable, teachers´ unions have fought against getting rid of bad ones and promoting good ones.As the cost to everyone else has become clearer, politicians have begun to clamp down. InWisconsin the unions have rallied thousands of supporters against Scott Walker, the hardline Republican governor. But many within the public sector suffer under the current system, too.John Donahue at Harvard´s Kennedy School points out that the norms of culture in Western civil services suit those who want to stay put but is bad for high achievers. The only American public-sector workers who earn well above ￥250,000 a year are university sports coaches and the president of the United States. Bankers´ fat pay packets have attracted much criticism, but a public -sector system that does not reward high achievers may be a much bigger problem for America.第6题It can be learned from the first paragraph that( ).A.Teamsters still have a large body of membersB.Jimmy Hoffa used to work as a civil servantC.unions have enlarged their public-sector membershipD.the government has improved its relationship with unionists第7题Which of the following is true of Paragraph 2?A.Public-sector unions are prudent in taking actions.cation is required for public-sector union membership.bor Party has long been fighting against public-sector unions.D.Public-sector unions seldom get in trouble for their actions.第8题It can be learned from Paragraph 4 that the income in the state sector is( ).A.illegally securedB.indirectly addedC.excessively increasedD.fairly adjusted第9题The example of the unions in Wisconsin shows that unions( ).A.often run against the current political systemB.can change people´s political attitudesC.may be a barrier to public-sector reformsD.are dominant in the government第10题John Donahue´s attitude towards the public-sector system is one of( ).A.disapprovalB.appreciationC.toleranceD.indifference上一题下一题(11~15/共15题)PART Ⅲ：READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following eachreading selection on the basis of what is stated or implied in that selection.Exercise is one of the few factors with a positive role in long-term maintenance of body weight. Unfortunately, that message has not gotten through to the average American, who would rather try switching to "light" beer and low-calorie bread than increase physical exertion. The Centers for Disease Control, for example, found that fewer than one-fourth of overweight adults who were trying to shed pounds said they were combining exercise with their diet.In rejecting exercise, some people may be discouraged too much by caloric-expenditure charts: for example, one would have to briskly walk three miles just to work off the 275 calories in one delicious Danish pastry(小甜饼). Even exercise professionals concede half a point here. "Exercise by itself is a very tough way to lose weight," says York Onnen, program director of the President´s Council on Physical Fitness and Sports.Still, exercise´s supporting role in weight reduction is vital. A study at the Boston University Medical Center of overweight police officers and other public employees confirmed that those who dieted without exercise regained almost all their old weight, while those who worked exercise into their daily routine maintained their new weight.If you have been sedentary(极少活动的)and decide to start walking one mile a day, the added exercise could burn an extra 100 calories daily. In a year´s time, assuming no increase in food intake, you could lose ten pounds. By increasing the distance of your walks gradually and making other dietary adjustments, you may lose even more weight.第11题What is said about the average American in the passage?A.They tend to exaggerate the healthful effect of "light" beerB.They usually ignore the effect of exercise on losing weightC.They prefer "light" beer and low-calorie bread to other drinks and foodD.They know the factors that play a positive role in keeping down body weight第12题Some people dislike exercise because( ).A.they think it is physically exhaustingB.they find it hard to exercise while on a dietC.they don´t think it possible to walk 3 miles every dayD.they find consulting caloric-expenditure charts troublesome第13题"Even exercise professionals concede half a point here"(Line 3,Para 2)means "They( )".A.agree that the calories in a small piece of pastry can be difficult to work off by exerciseB.partially believe diet plays a supporting role in weight reductionC.are not fully convinced that dieting can help maintain one´s new weightD.are not sufficiently informed of the positive role of exercise in losing weight第14题What was confirmed by the Boston University Medical Center´s study?A.Controlling one´ s calorie intake is more important than doing exerciseB.Even occasional exercise can help reduce weightC.Weight reduction is impossible without exerciseD.One could lose ten pounds in a year´ s time if there´ s no increase in food intake第15题What is the author´s purpose in writing this article?A.To justify the study of the Boston University Medical CenterB.To stress the importance of maintaining proper weightC.To support the statement made by York OnnenD.To show the most effective way to lose weight上一题交卷交卷答题卡答案及解析(1~5/共15题)PART Ⅲ：READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following each reading selection on the basis of what is stated or implied in that selection."Most episodes of absent-mindedness------forgetting where you left something or wondering why you just entered a room------are caused by a simple lack of attention," says Schacter, "You´re supposed to remember something, but you haven´t encoded it deeply."Encoding, Schacter explains, is a special way of paying attention to an event that has a major impact on recalling it later. Failure to encode properly can create annoying situations. If you put your mobile phone in a pocket, for example, and don´ t pay attention to what you did because you´re involved in a conversation, you´ll probably forget that the phone is in the jacket now hanging in you wardrobe(衣柜). "Your memory itself isn´t failing you," says Schacter, "Rather, you didn´t give your memory system the information it needed."Lack of interest can also lead to absent-mindedness. "A man who can recite sports statistics from 30 years ago," says Zelinski,"may not remember to drop a letter in the mailbox." Women have slightly better memories than men, possibly because they pay more attention to their environment, and memory relies on just that."Visual cues can help prevent absent-mindedness," says Schacter, "But be sure the cue is clear and available," he cautions. If you want to remember to take a medication(药物)with lunch, put the pill bottle on the kitchen table------don´t leave it in the medicine chest and write yourself a note that you keep in a pocket Another common episode of absent-mindedness: Walking into a room and wondering why you´re there. Most likely, you were thinking about something else. "Everyone does this from time to time," says Zelinski. The best thing to do is to return to where you were before entering the room, and you´ll be likely to remember.第1题Why does the author think that encoding properly is very important?A.It helps us understand our memory system betterB.It enables us to recall something from our memoryC.It expands our memory capacity considerablyD.It slows down the process of losing our memory参考答案： B 您的答案：未作答答案解析：解析：作者第一次提到“encode”是在第一段末尾，然后在第二段开头对“encode”做了详细说明。

银行系统招聘考试英语(中国农业银行)模拟试卷3(题后含答案及解析)

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银行系统招聘考试英语(中国农业银行)历年真题试卷汇编3

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这道题较容易使人想到the same…as…结构。

但定下神后，可以较轻松地确定答案。

2.The biggest whale is______ blue whale, which grows to be about 29 meters long—the height of______9-storey building.（分数：2.00）A.the; theB.a; aC.a; theD.the; a √解析：解析：9-storey building为泛指，故第二个空选a；blue whale有非限制定语从句修饰，所以应用定冠词。

故选D。

3._____twice, the postman refused to deliver our letters unless we chained our dog.（分数：2.00）A.Being bittenB.Bitten √C.Having bittenD.To be bitten解析：解析：The postman与bite之间存在逻辑上的动宾关系，且被咬已是事实，故排除C、D两项；被咬的动作已经完成，故排除A项。

4.Being a parent is not always easy, and being the parent of a child with special needs often carries with______extra stress.（分数：2.00）A.it √B.themC.oneD.him解析：解析：本句的意思是“做一个家长是不容易的，做一个需要特别照顾孩子的家长就更会有额外的压力了。

银行招聘考试专用：英语题库

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英语版银行招聘考试题库

英语版银行招聘考试题库题目一Which of the following is NOT a type of bank account?A) Checking accountB) Savings accountC) Investment accountD) Credit account题目二What is the primary role of a bank teller?A) Managing investment portfoliosB) Processing loan applicationsC) Handling customer transactionsD) Conducting market research题目三What is the purpose of a bank's routing number?A) To identify the bank branchB) To track customer transactionsC) To determine interest ratesD) To verify account ownership题目四Which of the following is NOT a function of the Central Bank?A) Issuing currencyB) Regulating monetary policyC) Providing loans to individuals题目五What does the acronym "ATM" stand for?A) Automatic Teller MachineB) Accounting and Transaction ManagementC) Advanced Technology ModelD) Automated Transfer Module题目六What is the purpose of a bank's SWIFT code?A) To facilitate international money transfersB) To identify the bank's CEOC) To track customer spending habitsD) To determine account interest rates题目七What is the meaning of the term "FDIC" in the banking industry?A) Federal Deposit Insurance CorporationB) Financial Data and Information CenterD) Free Direct International Calls题目八Which of the following is NOT a characteristic of a good banker?A) Honesty and integrityD) Attention to detail题目九What is the purpose of a bank's annual report?A) To disclose financial information to shareholdersB) To attract new customersD) To evaluate employee performance题目十A) Account maintenance feesB) Loan interest and feesC) ATM withdrawal chargesD) Credit card rewards题目十一Which of the following is NOT a type of bank fee?A) Overdraft feeB) ATM withdrawal feeC) Annual fee for a credit cardD) Salary bonus fee题目十二A) Ensuring adherence to legal and regulatory requirementsC) Developing marketing campaignsD) Conducting financial analysis题目十三What is the purpose of a bank's Know Your Customer (KYC) policy?A) To verify the identity of customers and prevent money launderingB) To provide personalized financial advice to customersC) To offer special discounts to loyal customersD) To track customer preferences for marketing purposes题目十四What is the meaning of the term "APR" in the context of loans?A) Annual Percentage RateB) Average Payment ReconciliationC) Account Protection RegulationsD) Automated Personal Referral题目十五Which of the following is NOT a type of financial institution?A) Credit unionC) Stock exchangeD) Consulting firm题目十六What is the purpose of a bank's customer relationship management system?A) To track customer interactions and provide personalized serviceB) To monitor employee performanceC) To calculate interest rates on loans题目十七What is the primary role of a bank's loan officer?A) Managing customer accountsB) Analyzing financial marketsC) Evaluating loan applicationsD) Developing investment strategies题目十八What is the purpose of a bank's cash management services?A) To help businesses efficiently manage their cash flowB) To provide entertainment options for bank customersC) To offer investment advice to high-net-worth individualsD) To process credit card applications题目十九What is the meaning of the term "Diversification" in finance?A) Spreading investments across different assets to reduce riskB) Maximizing short-term profitsC) Obtaining a loan from multiple banksD) Analyzing market trends题目二十Which of the following is NOT a factor affecting a borrower's credit score?A) Payment historyC) Length of credit historyD) Marital status。

银行招聘考试英语真题及参考答案解析三

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银行校招英语试题及答案

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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。

银行系统招聘考试英语(语法)模拟试卷3(题后含答案及解析)

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银行系统公开招聘考试英语-3_真题-无答案

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I think it's the driver rather than the passengers who ______ for the accident.A. is to blameB. are to blameC. are to be blamedD. should blame20. The number of the stamps ______ limited, so a number of people ______ to have a look at them.A. are; wantB. is; wantsC. is; wantD. are; wantsPART Ⅱ:ERROR RECOGNITIONDirections: In this part of the test, each sentence has four words or phrases underlined. The four underlined parts of the sentence are marked (A), (B), (C), (D). You are to identify the one underlined word or phrase that should he corrected or rewritten. Then, on your answer sheet, find the number of the question and mark your answer.21. Hardly had the thief seen the policeman than he ran away.A. hadB. seenC. thanD. ran22. Don't do any more work now, you look so tiring.A. anyB. moreC. lookD. tiring23. Every boy and every girl knows that each day and each hour brings their duty.A. andB. knowsC. bringsD. their24. He would rather stay at home than to go out with you.A. would ratherB. thanC. toD. with25. Here is somebody whom you want to see him.A. somebodyB. whomC. seeD. him26. Anyone may borrow books, and it cost nothing to borrow them.A. AnyoneB. costC. toD. them27. Sports and games are very useful to character-training.A. andB. areC. usefulD. to28. Though it was raining hard, but the children practiced football on the playground.A. ThoughB. butC. practicedD. the29. Most people were deep moved by this film.A. MostB. deepC. byD. film30. The teacher told us that the earth ran around the sun.A. toldB. thatC. ranD. thePART Ⅲ:READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choosethe one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. 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I have always wanted the people who work for the "Body Shop" to feel the same way.Now this book sends these ideas out into the world, and makes them public. I'd like to think there are no limits(界限) to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.31. What is the writer's main purpose(目的) in writing this text?A. To tell the reader her life story.B. To tell people how she brought up her children.C. To let people know how rich she was.D. To introduce her ideas to the reader.32. What would someone learn from this text?A. How to make a lot of money.B. How to write a book about business.C. What the book is about.D. What the writer's family is like.33. How does the writer feel about the business she runs?A. It's the **pany in the world.B. It will possibly be more successful.C. It's one of the most successful businesses.D. It is the **pany that is growing all around the world.34. What kind of workers does the writer like to employ(雇佣)?A. Those who have the same ideas as she does.B. Those who get on well with the public.C. Those who can sell her books around the world.D. Those who have big families and new ideas.35. What kind of person does the writer seem to be?A. She is mainly interested in making money.B. She thinks running a business a different job.C. She seems to be successful but unhappy.D. She seems to be someone with strong confidence.Advertisers tend to think big and perhaps this is why they're **ing in for criticism. Their! critics seem to resent them because they have a flair for self-promotion and because they have so much money to throw around. "It's iniquitous," they say, "that this entirely unproductive industry (if we can call it that) should absorb millions of pounds each year. It only goes to show how much profit the **panies are making. Why don't theystop advertising and reduce the price of their goods? After all, it's the consumer who pays ... ".The poor old consumer! He'd have to pay a great deal more if advertising didn't create mass markets for products. It is precisely because of the heavy advertising that consumer goods are so cheap. But we get the wrong idea if we think the only purpose of advertising is to sell goods. Another equally important function is to inform. A great deal of the knowledge we have about household goods derives largely from the advertisements we read. Advertisements introduce us to new products or remind us of the existence of the ones we already know about. Supposing you wanted to buy a washing machine, it is more than likely you would obtain details regarding performance, price, etc, from an advertisement.Lots of people pretend that they never read advertisements, but this claim may be seriously doubted. It is hardly possible not to read advertisements these days. And what fun they often are, too! Just think what a railway station or a newspaper would be like without advertisements. Would you enjoy gazing at a blank wall or reading railway by laws while waiting for a train? Would you like to read only closely printed columns of news in your daily paper? A cheerful, witty advertisement makes such a difference to a drab wall or a newspaper full of the daily ration of calamities.We must not forget, either, that advertising makes a positive contribution to our pockets. Newspapers, commercial radio and **panies could not subsist without this source of revenue. The fact that we pay so little for our daily paper, or can enjoy so many broadcast programs is due entirely to the money spent by advertisers. Just think what a newspaper would cost if we had to pay its full price!Another thing we mustn't forget is the "small ads. " which are in virtually every newspaper and magazine. What a tremendously useful service they perform for **munity!Just about anything can be accomplished through these columns. For instance, you can find a job, buy or sell a house, announce a birth, marriage or death in what used to be called the" hatch, match and dispatch" column but by far the most fascinating section is the personal or "agony" column. No other item in a newspaper provides such entertaining reading or offers such a deep insight into human nature. It's the best advertisement for advertising there is!36. The attitude of the author toward advertisers is ______.A. appreciativeB. trustworthyC. criticalD. dissatisfactory37. Why do the critics criticize advertisers?A. Because advertisers often bragB. Because critics think advertisement is a "waste of money"C. Because customers are encouraged to buy more than necessaryD. Because customers pay more38. Which of the following is Not True?A. Advertisement makes contribution to our pockets and we may know everythingB. We can buy what we wantC. Products of good quality don't need to be advertisedD. Advertisement makes our life colorful39. The passage is ______.A. narrationB. descriptionC. criticismD. argumentation40. What is the main idea of this passage?A. AdvertisementB. The benefits of advertisementC. Advertisers perform a useful service to communitiesD. The costs of advertisementWith only about 1,000 pandas left in the world, China is desperately trying to clone the animal and save the endangered species. That's a move similar to what a Texas A&M University researcher has been undertaking for the past five years in a project called "Noah's Ark".Dr. Duane Kraemer, a professor in Texas A & M's College of Veterinary Medicine and a pioneer in embryo(胚胎) transfer work and related procedures, says he salutes the Chinese effort and" I wish them all the best success possible. It's a worthwhile project, certainly not an easy one, and it's very much like what we're attempting here at Texas A&M--to save animals from extinction. "Noah's Ark is aimed at collecting eggs, embryos, semen(精子) and DNA of endangered animals and storing them in liquid nitrogen. If certain species should become extinct, Kraemer says there would be enough of the basic building blocks to reintroduce the species in the future.It is estimated that as many as 2,000 species of mammals, birds and reptiles will become extinct over the next 100 years. The panda, native only to China, is in danger of becoming extinct in the next 25 years.This week, Chinese scientists said they grew an embryo by introducing cells from a dead female panda into the egg cells of a Japanese white rabbit. They are now trying to implant the embryo into a host animal.The entire procedure could take from three to five years to complete."The nuclear transfer of one species to another is not easy, and the lack of available panda eggs could be a major problem," Kraemer believes. "They will probably have to do several hundred transfers to result in one pregnancy. It take s a long time and it's difficult, but this could be groundbreaking science if it works. They are certainly not putting any live pandas at risk, so it is worth the effort , "adds Kraemer, who is one of the leaders of the Missyplicity Project at Texas A&M, the first ever attempt at cloning a dog."They are trying to do something that's never been done, and this is very similar to our work in Noah's Ark. We're both trying to save animals that face extinction. I certainly applaud their effort and there's a lot we can learn from what they are attempting to do. It's a research that is very much needed. \41. The aim of "Noah's Ark" project is to ______.A. implant embryo into a host animalB. salute the Chinese efforts in saving pandasC. save endangered animals from extinctionD. introduce cells from a dead female panda into the egg ceils of a Japanese white rabbit42. How long will the Chinese panda cloning project take according to the passage?A. 1 Year.B. 3 to 5 years.C. 2 years.D. 25 years.43. The word "groundbreaking" (Paragraph 7) can be interpreted as ______.A. essentially newB. pioneeringC. evolutionaryD. epoch--making44. What could be the major problem in cloning pandas according to Professor Kraemer?A. Lack of available panda eggs.B. Lack of host animals.C. Lack of qualified researchers.D. Lack of funds.45. The best title for the passage may be ______.A. China--the Native Place of Pandas ForeverB. China's Efforts to Clone PandasC. China's First Cloned PandaD. Exploring the Possibility to Clone PandasThe police fired tear gas and arrested more than 5,000 passively resisting protestors Friday in an attempt to break up the largest antinuclear demonstration ever staged in the United States. More than 135,000 demonstrators confronted the police on the construction site of a1,000-megawatt nuclear power plant scheduled to provide power to most of Southern New Hampshire. Organizers of the huge demonstration said that the protest was continuing despite the police actions. More demonstrators were arriving to keep up the pressure on state authorities to cancel the project. The demonstrator had charged that the project was unsafe in the densely populated area, would create thermal pollution in the bay, and had no acceptable means for disposing of its radioactive wasters. The demonstrations would go on until the jails and the courts were so overloaded that the state judicial system would collapse.Governor Stanforth Thumper insisted that there would be no reconsideration of the power project and no delay in its construction set **pletion in three years. "This project will begin on time and the people of this state will begin to receive its benefits on schedule. Those who break the law in misguided attempts to sabotage the project will be dealt with according to the law," he said. And the police called in reinforcements from all over the state to handle the disturbances.The protests began before dawn Friday when several thousand demonstrators broke through the police lines around the cordoned-off construction site. They carried placards that read "No Nukes is Good Nukes," "Sunpower, Not Nuclear Power," and "Stop Private Prof-its from Public Peril. " They defied police order to move from the area. Tear gas canisters fired by the police failed to dislodge the protestors who had been prepared with their own gas masks or facecloths. Finally the gas-masked and helmeted police charged into the crowd to drag off the demonstrators one by one. The protestors did not resist the police, but refused to walk away under their own power. Those arrested would be charged with unlawful assembly, trespassing, and disturbing the peace.46. What were the demonstrators protesting about?A. Private profits.B. The nuclear power station.C. The project of nuclear power construction.D. Public peril.47. Who had gas masks?A. Everybody.B. A part of the protestors.C. The policemen.D. Both B and C.48. Which of the following was NOT mentioned as a reason for the demonstration?A. Public transportation.B. Public peril.C. Pollution.D. Disposal of wastes.49. With whom were the jails and courts overloaded?A. Prisoners.B. Arrested demonstrators.C. Criminals.D. Protestors.50. What is the attitude of Governor Stanforth Thumper toward the power project and the demonstration?A. Stubborn.B. Insistent.C. Insolvable.D. Remissible.。

银行系统招聘考试英语(中国建设银行)模拟试卷3(题后含答案及解析)

银行系统招聘考试英语（中国建设银行）模拟试卷3(题后含答案及解析)题型有：1.3 million in 1979 to just 625,000 today, and the rate of killing has been accelerating in recent years because many of the older, bigger tusked animals have already been destroyed. “The poachers now must kill times as many elephants to get the same quantity of ivory,” explained Curtis Bohlen, Senior vice president of the World Wildlife Fund. Though its record on the environment has been spotty so far, the government last week took the lead in a major conservation issue by imposing a ban on ivory imports into the US. The move came just four days after a consortium of conservation groups, including the World Wildlife Fund and Wildlife Conservation International, called for that kind of action, and it made the US the first nation to forbid imports of both raw and finished ivory. The ban, says Bohlen, sends a very clear message to the ivory poachers that the game is over. In the past African nations have resisted an ivory ban, but increasingly they realized that the decimation of the elephant herds poses a serious threat to their tourist business. Last month Tanzania and several other African countries called for an amendment to the 102 nation Convention on International Trade in Endangered Species that would make the ivory trade illegal worldwide. The amendment is expected to be approved at an October meeting in Geneva and to go into effect next January. But between now and then, conservationists contend, poachers may go on a rampage, killing elephants wholesale, so nations should unilaterally forbid imports right away. The US government brought that argument, and by week’s end the twelve nation European Community had followed with its own ban.11．Which of the following is the best title for the passage?A．African Elephants and the Ivory TradeB．A Bid to Save the ElephantC．The PoachersD．Elephants in Danger正确答案：B解析：文章首先提到非洲象所面临的困境，接着提到国际组织及美国的反应——禁止象牙进口来拯救大象。

银行考英语试题及答案

银行考英语试题及答案一、选择题（每题2分，共20分）1. The bank's main function is to ________.A. provide loansB. accept depositsC. both A and BD. neither A nor B2. What is the meaning of the term "NPL" in the banking industry?A. Net Profit LossB. Non-Performing LoanC. New Product LineD. National Policy Limit3. The term "LIBOR" stands for ________.A. London International Banking OrganizationB. London Interbank Offered RateC. Long-term Investment Banking RateD. Local Interest Banking Option Rate4. Which of the following is NOT a type of bank account?A. Checking accountB. Savings accountC. Credit accountD. Fixed deposit account5. The process of converting a currency from one form toanother is known as ________.A. Currency exchangeB. Currency conversionC. Currency tradingD. Currency valuation二、填空题（每题1分，共10分）6. The ________ is the central bank of the United States. [Federal Reserve]7. A ________ is a financial instrument that represents an ownership interest in a corporation.[share]8. The ________ is a type of loan where the borrower is not required to make payments for a certain period of time. [interest-only loan]9. In banking, the term "overdraft" refers to a situation where a customer's account balance is ________. [negative]10. The ________ is the process of evaluating the creditworthiness of a borrower.[credit assessment]三、简答题（每题5分，共30分）11. Explain the role of a bank in an economy.[Answer: A bank plays a crucial role in an economy by providing various financial services such as accepting deposits, providing loans, facilitating payments, andmanaging risks.]12. What are the different types of bank accounts available to customers?[Answer: Different types of bank accounts include checking accounts, savings accounts, money market accounts, and certificates of deposit.]13. Describe the process of a bank loan approval.[Answer: The process of bank loan approval typically involves the borrower applying for a loan, providing necessary documentation, the bank evaluating the creditworthiness of the borrower, and finally, the bank either approving or denying the loan based on the evaluation.]14. What is the significance of the Basel III Accord in the banking industry?[Answer: The Basel III Accord is significant in the banking industry as it sets out a global regulatory framework to enhance bank's ability to absorb shocks arising fromfinancial and economic stress, thereby reducing the risk of bank failure.]四、论述题（每题15分，共30分）15. Discuss the impact of digital banking on traditional banking operations.[Answer: Digital banking has revolutionized traditional banking operations by offering convenience, speed, and accessibility. It has reduced the need for physical branches, enabled instant transactions, and provided personalized services through data analytics. However, it also poseschallenges such as cybersecurity risks and the digital divide.]16. Analyze the importance of risk management in banking. [Answer: Risk management is crucial in banking as it helps banks to identify, assess, and mitigate various types ofrisks such as credit risk, market risk, operational risk, and liquidity risk. Effective risk management ensures thestability of the financial system, protects depositors' funds, and maintains the bank's profitability.]五、案例分析题（每题10分，共10分）17. A bank has recently implemented a new mobile banking application. The application has increased customersatisfaction but has also led to an increase in cyber-attacks. Discuss the steps the bank should take to address this issue. [Answer: The bank should take several steps to address the issue of increased cyber-attacks, including investing in advanced cybersecurity measures, conducting regular security audits, educating customers about safe online banking practices, and collaborating with cybersecurity experts tostay ahead of potential threats.]。

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银行系统招聘考试（英语）历年真题试卷汇编3(总分：84.00，做题时间：90分钟)一、阅读理解(总题数：2，分数：20.00)[2010年典型真题]Greece，economically，is in the black．With very little to export other than such farm products as tobacco，cotton and fruit，the country earns enough from“invisible earnings”to pay for its needed，growing imports．From the sending out of things the Greeks，earn only$285 million；from tourism，shipping and the remittances of Greeks abroad，the country takes in an additional$375 million and this washes out the almost$400 million by which imports exceed exports． It has a balanced budget．Although more than one drachma out of four goes for defense，the government ended a recent year with fl slight surplus—$5 million．Greece has fl decent reserve of almost a third of a billion dollars in gold and foreign exchange．It has fl government not dependent on coalescing incompatible parties to obtain parliamentary majorities．In thus summarizing a few happy highlights．I don’t mean to minimize the vast extent of Greece’S problems．It is the poorest country by a wide margin in Free Europe，and poverty is widespread．At best an annual income 0f$60 to$70 is the lot of many fl peasant，and substantial unemployment plagues the countryside，cities，and towns of Greece．There are few natural resources on which to build any substantial industrial base．Some years ago 1 wrote here：“Greek statesmanship will have to create an atmosphere in which home and foreign savings will willingly seek investment opportunities in the backward economy of Greece．So far，most American and other foreign attempt have bogged down in the Greek government’s red tape and shrewdness about small points．”Great strides have been made．As far back as 1956，expanding tourism seemed a logical way to bring needed foreign currencies and additional jobs to Greece．At that time I talked with the Hilton Hotel people，who had been examining hotel possibilities，and to the Greek government division responsible for this area of the economy．They were hopelessly deadlocked in almost total differences of opinion and outlook．Today most of the incredibly varied，beautiful，historical sights of Greece have new，if in manv cases modest，tourist facilities．Tourism itself has j umped from approximately$3 1 million to over$90 million．There is both a magnificent new Hilton Hotel in Athens and a completely modernized，greatly expanded Grande Bretagne，as well as other first—rate new hotels．And the advent of jets has made Athens as accessible as Paris or Rome—without the sky—high prices of traffic—choked streets of either．（分数：10.00）(1).The title below that best expresses the ideas of this passage is________．( )（分数：2.00）A.Greek income and expendituresB.the improving economic situation in Greece √C.the value of tourismitary expenditures解析：解析：文章围绕希腊经济形式的改善这一中心而写。

(2).Many peasants earn less than________．( )（分数：2.00）A.$60 a weekB.$2 a week √C.$1 a dayD.$10 a month解析：解析：文章第三段第三句“At best an annual income of $60 to $70 is the lot of many a peasant，and substantial unemployment plagues the countryside，cities，and towns of Greece”。

故B项最接近年收入。

(3).The Greek Government spends________．( )（分数：2.00）A.more than 25％ of its budget on military terms √B.more than its collectsC.a third of a billion dollars in goldD.1ess than 25％ of its budget on military terms解析：解析：根据文章第二段得知，Although more than one drachma out of four goes for defense。

The government ended a recent year with a slight surplus—$5 million．(4).According to the passage，Greece has________．( )（分数：2.00）A.a dictatorshipB.a monarchyC.a single majority party √D.too much red tape解析：解析：根据文章第二段得知，It has a government not dependent on coalescing incompatible parties to obtain parliamentary majorities．(5).Greece imports annually goods and materials________．( )（分数：2.00）A.totaling almost $700 million √B.that balance exportsC.that are paid by touristsD.costing$5 million解析：解析：第一段中提到希腊出口商品价值2．85亿美元，而进口超出出口4亿美元。

两者相加为6．85亿美元，几乎7亿美元。

Federal efforts to aid minority businesses began in the 1960s、when the Small Business Administration(SBA) began making federally guaranteed loans and government sponsored management and technical assistance available to minority business enterprises．While this program enabled many minority entrepreneurs to form new businesses，the results were disappointing，since managerial inexperience，unfavorable locations，and capital shortages led to high failure rates．Even 1 5 years after the program was implemented，minority business receipts were not quite two percent of the national economy’s total receipts．Recently federal policymakers have adopted an approach intended to accelerate development of the minority business sector by moving away from directly aiding small minority enterprises and toward supporting large，growth oriented minority firms through intermediary companies．In this approach，large corporations participate in the development of successful and stable minority businesses by making use ofgovernment-sponsored venture capital．The capital is used by a participating company to establish a Minority Enterprise Small Businesses that have potential to become future suppliers of customers of the sponsoring company．MESBIC’s are the result of the belief that providing established firms with easier access to relevant management techniques and more job-specific experience，as well as substantial amounts of capital，gives those firms a greater opportunity to develop sound business foundations than does simply making general management experience and small amounts of capital available．Further。