银行2010校园招聘考试全真模拟试卷(一)

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银行招聘考试全真模拟考卷(一)

银行招聘考试全真模拟考卷(一)一、单选题（每题1分，共30分）1. 下列关于中央银行的说法，错误的是（）A. 中央银行是国家的金融管理机构B. 中央银行的主要职能是制定和执行货币政策C. 中央银行负责对商业银行进行监管D. 中央银行可以直接向企业和个人提供金融服务2. 下列哪种情况会导致银行的不良贷款率上升？（）A. 银行提高贷款利率B. 企业经营状况恶化C. 银行增加存款准备金D. 政府实施紧缩性货币政策A. 存款业务B. 贷款业务C. 证券投资业务D. 信托业务4. 下列关于金融市场的说法，正确的是（）A. 金融市场是资金融通的市场B. 金融市场只能实现货币资金的融通C. 金融市场不包括金融机构D. 金融市场是金融资产交易的市场5. 下列哪种金融工具的风险最小？（）A. 股票B. 债券C. 银行储蓄存款D. 期货A. 存款准备金率B. 利率C. 财政支出D. 公开市场操作7. 下列关于金融监管的说法，错误的是（）A. 金融监管是为了维护金融市场的稳定B. 金融监管主体是金融机构C. 金融监管内容包括市场准入、业务运营和风险控制D. 金融监管有助于防范系统性金融风险A. 中国人民银行B. 中国银监会C. 中国证监会D. 中国保监会9. 下列关于商业汇票的说法，错误的是（）A. 商业汇票是出票人签发的，委托付款人在指定日期无条件支付确定的金额给收款人或者持票人的票据B. 商业汇票分为银行承兑汇票和商业承兑汇票C. 商业汇票的付款期限最长不得超过6个月D. 商业汇票可以背书转让10. 下列关于银行卡的说法，正确的是（）A. 借记卡可以透支使用B. 信用卡分为贷记卡和准贷记卡C. 预付卡可以跨行使用D. 银行卡分为借记卡、信用卡和储值卡二、多选题（每题2分，共30分）11. 下列哪些是我国商业银行的负债业务？（）A. 存款业务B. 贷款业务C. 同业拆借D. 发行金融债券12. 下列关于贷款利率的说法，正确的是（）A. 贷款利率是银行向借款人收取的利息B. 贷款利率可以分为固定利率和浮动利率C. 贷款利率由银行自主确定D. 贷款利率受国家政策影响13. 下列哪些属于金融衍生品？（）A. 股票B. 债券C. 期权D. 期货14. 下列关于金融市场的功能的说法，正确的是（）A. 资金融通B. 风险分散C. 价格发现D. 资源配置15. 下列哪些属于我国金融市场的参与者？（）A. 政府B. 企业C. 金融机构D. 个人16. 下列关于货币政策的说法，正确的是（）A. 货币政策是中央银行通过调节货币供应量来实现宏观经济目标的手段B. 货币政策的目标包括稳定物价、促进就业和经济增长C. 货币政策工具包括存款准备金率、利率和公开市场操作D. 货币政策分为扩张性货币政策和紧缩性货币政策17. 下列关于金融监管的说法，正确的是（）A. 金融监管有助于维护金融市场的公平竞争B. 金融监管可以防范金融风险C. 金融监管会降低金融机构的盈利能力D. 金融监管有助于保护金融消费者的权益18. 下列关于商业信用的说法，正确的是（）A. 商业信用是企业之间的一种信用关系B. 商业信用包括预付款和赊销等形式C. 商业信用可以提高企业的市场竞争力D. 商业信用具有自发性、无序性和不稳定性19. 下列关于支付结算的说法，正确的是（）A. 支付一、单选题答案1. D2. B3. D4. A5. C6. C7. B8. B9. C10. B二、多选题答案11. AC12. AB13. CD14. ABCD15. ABCD16. ABCD17. AB18. ABCD19. ABC1. 中央银行与货币政策中央银行的职能和角色货币政策的定义、目标和工具货币政策的类型及其应用2. 商业银行业务商业银行的负债业务和资产业务商业银行的主要业务类型商业银行的金融产品和服务3. 金融市场与金融工具金融市场的基本概念和功能金融市场的分类和参与者常见金融工具的特点和风险4. 金融监管金融监管的目的和意义金融监管的主体和对象金融监管的主要内容和方法5. 支付结算与商业信用支付结算系统的构成和功能商业信用的形式和作用支付结算工具的种类和应用各题型知识点详解及示例：单选题：考察学生对基础概念的掌握，如中央银行的职能、金融市场功能等。

2010年中国银行总行招聘笔试试题+答案

第一部分：英语能力测试一、阅读理解资料1：If you had awakened on the floor of the Las Vegas Convention Center and tried to figure out where you were, you might have first guessed the Conclave (秘密会议) of American Optimists. You would have seen 115,000 people buzzing with confidence and excitement. On the other hand, noting how many passers-by were loudly talking to themselves, you might have concluded that you had wandered into the International Expo of Eccentrics. Instead, it was the 2003 Consumer Electronics Show, also known as CES, held in Jan. 9th –12th. No wonder those attending were happy.First, of course, they were in their element, surrounded by the smallest and shiniest new gadgets (小配件). Second, despite the gloom in other slices of the economy, sales of consumer electronics in the United States actually grew last year (to a record $96 billion). This trade show of manufacturers, retailers and customers was alive with energy and crowded with exhibits.The vitality of this exposition is a sign of the times. The interest and innovation in PCs is nothing next to the action in other realms of high tech. As proof, compare the show with what was once its big brother: Comdex, the personal-computer trade show held each November at the same site. Thanks to the severe decline in the PC industry, the 2002 Las Vegas Comdex was only half the size of its 2000 incarnation. The 2,200 booths included lavish displays by Panasonic, Sony, Philips, Toshiba and other heavy hitters. But hundreds of smaller, quirkier companies were also present, exhibiting electric toothbrushes, illuminated cell-phone faceplates, laser pens and publications from Widescreen Review to Progressive Grocer. There were 46 exhibitors in the alarm-clock category alone, and even an electric-typewriter company.To reach those smaller booths, though, you had to pass what seemed like half the $10,000 plasma(等离子)TV screens ever made. This proliferation(丰富) of gorgeous wide-screen sets was only one hint that TV makers, at least, are ready for the great American switch to high-definition television, which the Federal Communications Commission hopes to see completed by 2006.But a few obstacles stand between the average American and high-def happiness: the prices of these sets, the reluctance of cable companies to broadcast high-definition shows, Hollywood’s campaign to cripple high-definition broadcasts so that y ou can’t record them, and so on. (As many seminar panelists observed, however, strides are being made in all those areas.)The most interesting items at Microsoft's booth were the prototype wristwatches that use the company’s new Smart Personal Object Tech nology (SPOT) software. Due by year’s end from Citizen, Fossil and other companies, these watches can receive messages, news, weather, sports and stock reports wirelessly in metropolitan areas for a small monthly fee, of course.The most alarming item at Microsoft's booth, on the other hand, was its six-room mock-up of an American house with Microsoft products—cars, phones, TVs, games, appliances—in every nook and cranny. It’s only a matter of time before you'llsee people rebooting their toasters.The digital camera models on display were cheaper, better and smaller than their predecessors. Olympus’s Stylus 400, for example, is a tiny, silver, pocketable wonder that takes four-megapixel photos (enough resolution for 13-by-19-inch prints). It’s due in the s pring for $400.1. Why are 115,000 people buzzing with confidence and excitement?[A] They are truly strange people to feel overexcited at seeing new things.[B] They are going to be pleased by the passers-by.[C] They are visiting the International Expo of New Products.[D] They are feeling optimistic at seeing the displays on CES.2. The 2002 Las Vegas Comdex was held only half the size of its 2000 incarnation because ___________.[A] the industry lacks exciting innovations.[B] the industry slowed down its development.[C] the sale volume greatly shrank that year[D] its production declined for short of capital3. The fact that there were 46 exhibitors in the alarm-clock category alone shows_______.[A] the alarm-clock making industry has contributed greatest to the success of the show[B] the small industrial section—alarm-clock making—can serve as an sign to show the great advances in electronics[C] the alarm-clock making industry is the fastest developmental section in electronics industry[D] the exhibitors in the alarm-clock category are particularly active in displaying their products4. By 2006 it can be expected to __________according to paragraph 6.[A] reach those smaller booths.[B] see high-definition plasma television sets available on the US market[C] reach those smaller booths with the $10,000 plasma TV screens[D] proliferate wide screen sets in the USA5. The digital camera models on display __________________.are cheaper in price, and higher in quality than their predecessorsII. .are pocketable due to its being tiny in sizeIII. are all worthy of no more than 400 US dollars[A] I only [B] II only[C] I and .II [D] I, II and II答案：D C B B C资料2：For many years the automation research departments of the world have been using laser based analysis system to increase the understanding of the workings of the internal combustion engine. The laser has been incorporated into systems to measuredrop size, velocity and vibration to name but a few. But few laser-based systems are able to aid the study of all these phenomena with the same system. The Applied Optics Group at Rover Groups Gardon Research & Development Center have been using just such a system and finding new uses for it all the time.The system in use is a High Speed Imagining Division of Oxford Lasers LTD. The High Speed Imaging system comprises an Oxford Lasers LS20 Copper Vapor laser linked to a Kodak 4540 Digital High Speed Motion Analysis Camera capable of taking up to 40,500 digital frames per second. The Kodak 4540 records the images to DRAM memory allowing immediate play back of the recorded images for viewing, recording to videotape or to PC for analysis. The Copper Vapor laser acts as a short duration flash emitting pulses of only 30 nanoseconds in duration in full synchronization with the frame rate of the camera The flashes have the effect of reducing the exposure time of the camera, thus removing image blur due to the high speed of the subject under view, whilst maintaining image contrast due to the high intensity of the laser light. Another feature of the system is the ability to focus down the light. This has two benefits. The first is the ability to make laser light sheets for the 2 dimensional illumination of 3 dimensional subjects. This technique has great benefit when used to map the air flow into the combustion chamber of a running model engine. Not only can the air-flow be mapped but the progress of the flame front growth during the combustion cycle. The second is the ability to shine the laser light down a fiber optic cable. This aids in the illumination of areas of the running engine very difficult to access by normal optics. This has been particularly useful in the study of air motion in a variety of combustion system concepts.The group plans to use the Copper Vapor laser to improve the ability of the technique to see these vibrations and therefore allow a better understanding of the cause of them. The technique could also applied to look at the airbag enclosure as it tears and composite materials under dynamic crush testing.6. How many uses of the laser-based analysis system does the author want to show us?[A] One [B] Two [C] Three [D] Much more than three7. Which of the following does the High Speed Imaging system comprise ________.[A] an Oxford Lasers LS20 Copper Vapor laser[B] 4540 Digital High Speed Motion Analysis system[C] DRAM memory allowing immediate play back of the recorded images for viewing[D] a High Speed Imagining Division of Oxford Lasers LTD.8. Which of the following is the main advantage of the laser flashes?[A] Keeping image contrast [B] getting rid of image blur[C] Increase the intensity of light [D] All is said in A, B, and C9. Which of the following uses is NOT TRUE according to the passage?[A] The laser light can help to make the three dimensional bodies look as if they were of two dimensions.[B] The air-flow can thus be made easier to be mapped with the laser.[C] The turning speed of the combustion engine can be accelerated by using vapor laser.[D] The exposure time of the camera can be reduced by the laser flashes.10. Which of the following can be the best title of the passage?[A]At the Speed of Light[B] A High Speed Imagining Division Made by the Oxford Lasers LTD.[C] A Miraculous Application of Laser in Testing the Internal Combustion Engine[D] Automobile research and Laser Technology答案： D A D C C资料3：When I was a little girl, my brothers and I collected stamps for many years. My mother didn't use to work during the week, but she worked in the post office near our house on Saturdays, and she used to bring home all the new stamps as soon as they were issued.On the day of the World Cup football final in London in 1966, we were very excited because England were playing West Germany in the final. When we were having lunch, my mother told us to go to the post office straightaway after the match if England won, but she didn't tell us why. At 2 o'clock my mother went back to work as usual, while the rest of the family were watching the football on TV at home. Although she wasn't watching the match, she was listening to it on the radio.England won 4:2 and so my brothers and I ran to the post office. As we burst in, my mother was standing behind the counter. She was waiting to sell us a very special limited edition with ENGLAND WINNERS on each stamp. We were over the moon.We still have it today, and perhaps it is worth a lot of money.11. This passage mainly tells us __________.A. the author and her brother used to like stamps very muchB. the author had a very kind motherC. the author and her brother had an unforgettable experience in collecting stampsD. their mother used to support them by working in the post office12. According to the passage, her mother worked in the post office ________.A. during the weekB. on SaturdaysC. on SundaysD. for six days13. Their mother told them to go to the post office straightaway after the match if England won, but she didn't tell them why. Why do you think she did that?A. She wanted to give them a surprise.B. She doubted if she would get the stamps.C. She forgot to do that.D. She thought it unnecessary to tell them the reason.14. What does the sentence "We were over the moon." mean?A. We jumped high.B. We were extremely happy about it.C. We watched the moon for a long time.D. We couldn't sleep the whole night.15. What is the best title for this passage?A. My Childhood.B. My Mother.C. A Precious Stamp.D. A Memorable Experience in Collecting Stamps.答案：.C B A B D资料4：You stare at waterfall for a minute or two, and then shift your gaze to its surroundings. What you now see appears to drift upward.These optical illusions occur because the brain is constantly matching its model of reality to signa ls from the body’s sensors and interpreting what must be happening—that your brain must have moved, not the other; that downward motions is now normal, so a change from it must now be perceived as upward motion. The sensors that make this magic are of two kinds. Each eye contains about 120 million rods, which provide somewhat blurry black and white vision. These are the windows of night vision; once adapted to the dark, they can detect a candle burning ten miles away.Color vision in each eye comes from six to seven million structures called cones. Under ideal conditions, every cone can “see” the entire rainbow spectrum of visible colors, but one type of cone is most sensitive to red, another to green, a third to blue.Rods and cones send their messages pulsing an average 20 to 25 times per second along the optic nerve. We see an image for a fraction of a second longer than it actually appears. In movies, reels of still photographs are projected onto screens at 24 frames per second, tricking our eyes into seeing a continuous moving picture. Like apparent motion, color vision is also subject to unusual effects. When day gives way to night, twilight brings what the poet T.S. Eliot called “the violet hour.” A light levels fall, the rods become progressively less responsive. Rods are most sensitive to the shorter wavelengths of blue and green, and they impart a strange vividness to the garden’s blue flowers.However, look at a white shirt during the reddish light of sunset, and you’ll still see it in its “true” col or—white, not red. Our eyes are constantly comparing an object against its surroundings. They therefore observe the effect of a shift in the color of illuminating on both, and adjust accordingly.The eyes can distinguish several million graduations of light and shade of color. Each waking second they flash tens of millions of pieces of information to the brain, which weaves them incessantly into a picture of the world around us.Yet all this is done at the back of each eye by a fabric of sensors, called the retina, about as wide and as thick as a postage stamp. As the Renaissance inventor and artist Leonardo da Vinci wrote in wonder, “Who would believe that so smalla space could contain the images of all the universe?”16.Visual illusions often take place when the image of reality is ___.A.matched to six to seven million structures called cones.B.confused in the body’s sensors of both rods and cones.C.interpreted in the brain as what must be the case.D.signaled by about 120 million rods in the eye.17.The visual sensor that is capable of distinguishing shades of color is called ___.A.conesB.color visionC.rodsD.spectrum18.The retina send pulses to the brain ___.A.in short wavelengthsB.as color picturesC.by a ganglion cellD.along the optic nerve.19.Twenty-four still photographs are made into a continuous moving picture just because ___.A.the image we see usually stays longer than it actually appears.B.we see an object in comparison with its surroundings.C.the eyes catch million pieces of information continuously.D.rods and cones send messages 20 to 25 times a second.20.The author’s purpose in writing the passage lies in ___.A.showing that we sometimes are deceived by our own eyes.rming us about the different functions of the eye organs.C.regretting that we are too slow in the study of eyes.D.marveling at the great work done by the retina.答案：C A D A B资料5：We can begin our discussion of “population as global issue” with what most persons mean when they discuss “the population problem”: too many people on earth and a too rapid increase in the number added each year. The facts are not in dispute, It was quite right to employ the analogy that likened demographic growth to “a long, thin powder fuse that burns steadily and haltingly until it finally reaches the charge and explodes.”To understand the current situation, which is characterized by rapid increases in population, it is necessary to understand the history of population trends. Rapid growth is a comparatively recent phenomenon. Looking back at the 8,000 years of demographic history, we find that populations have been virtually stable or growing very slightly for most of human history. For most of our ancestors, life was hard, often nasty, and very short. There was high fertility in most places, but this was usually balanced by high mortality. For most of human history, it was seldom the case that one in ten persons would live past forty, while infancy and childhood were especially risky periods. Often, societies were in clear danger of extinction because death rates could exceed their birthrates. Thus, the population problemthroughout most of history was how to prevent extinction of the human race. This pattern is important to notice. Not only does it put the current problems of demographic growth into a historical perspective, but it suggests that the cause of rapid increase in population in recent years is not a sudden enthusiasm for more children, but an improvement in the conditions that traditionally have caused high mortality.Demographic history can be divided into two major periods: a time of long, slow growth which extended from about 8,000 BC.till approximately AD. 1650. In the first period of some 9600 years, the population increased from some 8 million to 500 million in 1650. Between 1650 and the present, the population has increased from 500 million to more than 4 billion. And it is estimated that by the year 2000 there will be 6.2 billion people throughout the world. One way to appreciate this dramatic difference in such abstract numbers is to reduce the time frame to something that is more manageable. Between 8000BC and 1650, an average of only 50,000 persons was being added annually to the world’s population each year. At present, this number is added every six hours. The increase is about 80,000,000 persons annually. 21.Which of the following demographic growth pattern is most suitable for the long thin powder fuse analogy?A.A virtually stable or slightly decreasing period and then a sudden explosion of population.B.A slow growth for a long time and then a period of rapid, dramatic increase.C.Too many people on earth and a few rapid increase in the number added each year.D.A long period when death rates exceeds birthrates and then a short period with higher fertility and lower mortality.答案：A22.During the first period of demographic history, societies were often in danger of extinction because___.A.only one in ten persons could live past 40.B.there was higher mortality than fertility in most places.C.it was too dangerous to have babies due to the poor conditions.D.our ancestors had little enthusiasm for more children.答案：B23.Which statement is true about population increase?A.There might be an increase of 2.2 billion persons from now to the year 2000.B.About 50,000 babies are born every six hours at present.C.Between 8000 BC and the present, the population increase is about 80,000,000 persons each year.D.The population increased faster between 8000BC and 1650 than between 1650 and the present.答案：A24.The author of the passage intends to___.A.warn people against the population explosion in the near future.pare the demographic growth pattern in the past with that after 1650.C.find out the cause for rapid increase in population in recent years.D.present us a clear and complete picture of the demographic growth.答案：D25.The word “demographic” in the first parag raph means___.A.statistics of human.B.surroundings study.C.accumulation of human.D.development of human.答案：A资料6：On the 36th day after they had voted, Americans finally learned Wednesday who would be their next president: Governor George W. Bush of Texas.Vice President Al Gore, his last realistic avenue for legal challenge closed by a U. S. Supreme Court decision late Tuesday, planned to end the contest formally in a televised evening speech of perhaps 10 minutes, advisers said.They said that Senator Joseph Lieberman, his vice presidential running mate, would first make brief comments. The men would speak from a ceremonial chamber of the Old Executive office Building, to the west of the White House.The dozens of political workers and lawyers who ha d helped lead Mr. Gore’s unprecedented fight to claw a come-from-behind electoral victory in the pivotal state of Florida were thanked Wednesday and asked to stand down.“The vice president has directed the recount committee to suspend activities,” William Daley, the Gore campaign chairman, said in a written statement.Mr. Gore authorized that statement after meeting with his wife, Tipper, and with top advisers including Mr. Daley.He was expected to telephone Mr. Bush during the day. The Bush campaign kept a low profile and moved gingerly, as if to leave space for Mr. Gore to contemplate his next steps.Yet, at the end of a trying and tumultuous process that had focused world attention on sleepless vote counters across Florida, and on courtrooms form Miami to Tallahassee to Atlanta to Washington the Texas governor was set to become the 43d U. S. president.The news of Mr. Gore’s plans followed the longest and most rancorous dispute over a U. S. presidential election in more than a century, one certain to leave scars in a badly divided country.It was a bitter ending for Mr. Gore, who had outpolled Mr. Bush nationwide by some 300000 votes, but, without Florida, fell short in the Electoral College by 271votes to 267—the narrowest Electoral College victory since the turbulent election of 1876.Mr. Gore was said to be distressed by what he and many Democratic activists felt was a partisan decision from the nation’s highest court.The 5-to –4 decision of the Supreme Court held, in essence, that while a vote recount in Florida could be conducted in legal and constitutional fashion, as Mr. Gore had sought, this could not be done by the Dec. 12 deadline for states to selecttheir presidential electors.James Baker 3rd, the former secretary of state who represented Mr. Bush in the Florida dispute, issued a short statement after the U. S. high court ruling, saying that the governor was “very pleased and gratified.”Mr. Bush was planning a nationwide speech aimed at trying to begin to heal the country’s deep, aching and v aried divisions. He then was expected to meet with congressional leaders, including Democrats. Dick Cheney, Mr. Bush’s ruing mate, was meeting with congressmen Wednesday in Washington.When Mr. Bush, who is 54, is sworn into office on Jan.20, he will be only the second son of a president to follow his father to the White House, after John Adams and John Quincy Adams in the early 19th century.Mr. Gore, in his speech, was expected to thank his supporters, defend his hive-week battle as an effort to ensure, as a matter of principle, that every vote be counted, and call for the nation to join behind the new president. He was described by an aide as “resolved and resigned.”While some constitutional experts had said they believed states could present electors as late as Dec. 18, the U. S. high court made clear that it saw no such leeway.The U.S. high court sent back “for revision” to the Florida court its order allowing recounts but made clear that for all practical purposes the election was over.In its unsign ed main opinion, the court declared, “The recount process, in its features here described, is inconsistent with the minimum procedures necessary to protect the fundamental right of each voter.”That decision, by a court fractured along philosophical lines, left one liberal justice charging that the high court’s proceedings bore a political taint. Justice John Paul Stevens wrote in an angry dissent:” Although we may never know with complete certainty the identity of the winner of this year’s presidentialel ection, the identity of the loser is perfectly clear. It is the nation’s confidence in the judge as an impartial guardian of the law.”But at the end of five seemingly endless weeks, during which the physical, legal and constitutional machines of the U. S. election were pressed and sorely testedin ways unseen in more than a century, the system finally produced a result, and one most Americans appeared to be willing at lease provisionally to support. The Bush team welcomed the news with an outward show of restraint and aplomb. The governor’s hopes had risen and fallen so many times since Election night, and the legal warriors of each side suffered through so many dramatic reversals, that there was little energy left for celebration.26 The main idea of this passage is[A]. Bush’s victory in presidential election bore a political taint.[B]. The process of the American presidential election.[C]. The Supreme Court plays a very important part in the presidential election.[D]. Gore is distressed.27 What d oes the sentence “as if to leave space for Mr. Gore to contemplate hisnext step” mean[A]. Bush hopes Gore to join his administration. [B]. Bush hopes Gore to concede defeat and to support him.[C]. Bush hopes Gore to congraduate him. [D]. Bush hopes Gore go on fighting with him.28 Why couldn’t Mr. Gore win the presidential election after he outpolled Mr. Bush in the popular vote? Because[A]. the American president is decided by the supreme court’s decision. [B]. people can’t directly elect their p resident.[C]. the American president is elected by a slate of presidential electors. [D]. the people of each state support Mr. Bush.29 What was the result of the 5—4 decision of the supreme court?[A]. It was in fact for the vote recount. [B]. It had nothing to do with the presidential election.[C]. It decided the fate of the winner. [D]. It was in essence against the vote recount.30 What did the “turbulent election of 1876” imply?[A]. The process of presidential election of 2000 was the same as that.[B]. There were great similarities between the two presidential elections (2000 and 1876).[C]. It was compared to presidential election of 2000. [D]. It was given an example.答案：A B C D B二、完型填空Business and government leaders also consider the inflation rate to be an important general indicator. Inflation is a period of increased __1__ that causes rapid rises in prices. __2__ your money buys fewer goods so that you get less for the same amount of money as before, inflation is the problem. There is a general rise __3__ the price of goods and services. Your money buys less. Sometimes people describe inflation as a (n) __4__ when "a dollar is not worth a dollar anymore". Inflation is a problem for all consumers. People who live on a fixed income are hurt the ___5__. Retired people, for instance, cannot __6__ on an increase in income as prices rise. Elderly people who do not work face serious problems in stretching their incomes to __7___ their needs in time of inflation. Retirement income __8__ any fixed income usually does not rise as fast as prices. Many retired people must cut their spending to keep up with rising prices. In many cases they must stop __9__ some necessary items, such as food and clothing. Even for working people whose incomes are going up, inflation can be a problem. The __10__ of living goes up, too. People who work must have even more money to keep up their standard of living. Just buying the things they need costs more. When incomes do not keep __11__ with rising prices, the standard of living goes down. People may be earning the same amount of money, but they are not living __12__ because they are not able to buy as many goods and services.Government units gather information about prices in our economy and publish it as price indexes __13___ the rate of change can be determined. A price index measures changes in prices using the price for a __14__ year as the base. The base price is set at100, and the other prices are reported as a __15__ of the base price. A price index makes it possible to compare current prices of typical consumer goods, for example, with prices of the same goods in previous years.1. A. spending B. demanding C. consuming D. saving2. A. Because B. While C. Since D. When3. A. in B. on C. at D. to4. A. chance B. time C. moment D. occasion5. A. best B. least C. most D. worst6. A. rely B. rest C. depend D. count7. A. meet B. obtain C. care D. acquire8. A. or B. and C. excluding D. including9. A. to buy B. buying C. having bought D. from buying10. A. price B. level C. cost D. standard11. A. race B. pace C. speed D. step12. A. as usual B. as such C. as before D. as well13. A. in which B. of which C. from which D. by which14. A. given B. last C. fixed D. definite15. A. portion B. percentage C. proportion D. fraction参考答案： ADABC DAABC BDCAB三、字词理解1. The forecast for this evening is wind and rain, theoutlook for tomorrow is fine and sunny.A. out of handB. on every handC. on the other handD. on all hands答案：C2. - I wonder if you could help me.- _________________________________.A. I couldB. Yes, I doC. No, not at allD. Of course答案：D3. She paid the builder _________ the gate.A. to repairB. repairC. repairingD. repaired答案：A4. Not until most of the people had left the airport _________ his sister was there.A. that he saw。

2010年人民银行考试真题

中国人民银行分支机构招聘2010年部分试题经济金融类一、单选（1×35）1、形如Q=a-bP，其中a、b都为正实数则:A.是双曲线B.有常数需求价格弹性C.是向下方倾斜的直线D.是抛物线2、一种商品的需求曲线向右下方倾斜，生产该种商品的生产要素价格上升，则：A.均衡数量上升、均衡价格上升B.均衡数量上升、均衡价格下降C.均衡数量下降、均衡价格上升D.均衡数量下降、均衡价格下降3、某人愿意花20元买第一件衬衫，愿意花35元买头两件衬衫。

则第二件的边际效用:A.55B.35C.15D.27.54、完全竞争市场上，一个企业的短期供给曲线是指在停止营业点之上的：A.可变成本曲线B.边际成本曲线C.平均成本曲线D.总成本曲线5、内在经济是指：A.一个企业在生产规模扩大时由自身内部所引起的产量的增加B.一个企业在生产规模扩大时由自身内部所引起的产量或收益减少C.一个行业的扩大对其中每个企业带来的产量或收益的增加D.整个社会经济的发展给一个企业所带来的产量或受益的增加6、在短期，当边际成本曲线位于平均成本曲线上方时：A.平均成本是递减的B.平均成本是递增的C.边际成本是递减的D.边际成本保持不变7、经济增长中起着最大作用的因素是：A、资本B、劳动C、技术D、制度8、短期总供给曲线向右上方倾斜，该曲线变为一条垂线的条件是：A.经济中实现了充分就业B.通货膨胀率为零C.物价水平保持稳定D.总供给受到了资源和其他因素的制约9、公开市场活动是指：A.商业银行的信贷活动B.中央银行增加或减少对商业银行的贷款C.中央银行在金融市场上买进或卖出有价证券D.银行创造货币的机制10、根据菲利普斯曲线，货币主义的政策结论是：A.宏观经济政策在短期与长期中均是有用的B. 宏观经济政策在短期与长期中均是无用的C.宏观经济政策只在短期中有用，而在长期中无用D.宏观经济政策只在长期中有用，而在短期中无用11、清洁浮动是指：A.汇率完全由外汇市场自发地决定B.汇率基本由外汇市场供求关系决定，但中央银行加以适当调控C.汇率由中央银行确定D.固定汇率12、当一种商品价格下降，对互补品最直接的影响是：A.商品的需求曲线左移B.商品需求曲线右移C.商品供给增加D.…13、政府转移支付增加可以：A.增加投资B.减小投资C.增加消费D.减少消费14、需求价格弹性-1.2，供给价格弹性是0.6，政府限价使得价格下降10%，则供求均衡时：A.产品短缺18%B.产品短缺1.8%C.产品短缺aD.产品短缺b15、消费者消费额外1个苹果的效用与消费额外2个桔子的效用相同，以桔子为横轴，则无差异曲线是：A.以-2为斜率的直线B.以-1/2为斜率的直线C.以-1/2为斜率的射线D.以2为斜率的射线16、IS-LM研究：A.利率的投资不变，总需求对国民收入的决定B.利率和投资变，总需求对国民收入的决定C.总需求和总产量对国民收入的决定D.…17、根据凯恩斯主义模型，下列使得国民收入减少的是：A.消费减少B.消费增加C.储蓄减少D.…18、属于间接金融工具的是：A.大额可转让定期存单B.公司债C.政府债券D.股票19、一国汇率用直接标价法，当用较少的本币可以换取相同的外汇，则：A.本币升值，外币贬值，外汇汇率上升B.本币贬值，外币升值，外汇汇率上升C.本币升值，外币贬值，外汇汇率下降D.本币贬值，外币升值，外汇汇率下降20、国际收支平衡基本差额：A.贸易收支差额B.经常账户差额C.经常账户和资本金融账户差额D.经常账户和资本金融账户中的长期资本项目差额21、产量由1000增加到1002，总成本由2000增加到2020，求边际成本。

中国建设银行招聘笔试真题(2010年)

中国建设银行招聘笔试真题(2010年)一、单项选择题(下列每小题的备选答案中，只有一个符合题意的正确答案，请选出。

每小题1分，共55分。

)1．实际利率是由名义利率扣除（）后的利率。

a．利息所得税率 b．生产变动率 c．物价变动率 d．平均利润率【解析】 c 实际利率是指在通货膨胀条件下，名义利率扣除物价变动率后的利率。

它是在没有通货膨胀风险前提下，物价不变、货币购买力相对稳定时的利率。

2．票据交易价格主要取决于（）。

a．市场利率 b．票面利率 c．票面价值 d．到期价格【解析】a 票据作为金融工具的一种，一般均标明面值，没有票面利率。

票据的交易价格是指面值扣除利息后的金额，主要取决于市场利率。

3．信托是随着商品经济的发展而出现的一种财产管理制度，其本质是（）。

a．吸收存款，融通资金 b．受人之托，代人理财c．项目融资 d．规避风险，发放贷款【解析】b 信托是指在信任的基础上，委托人将其财产权委托给受托人，受托人按委托人的意愿，以自己的名义，为受益人的利益或者特定目的，对信托财产进行管理或者处分的行为。

信托是随着商品经济的发展而出现的一种财产管理制度，其本质是受人之托，代人理财。

4．根据《中国人民银行法》的规定，中国人民银行可以（）。

a．经营国家黄金储备 b．确定市场利率c．代理工商信贷业务 d．代理政策性银行业务【解析】a 根据《中国人民银行法》和2008年7月国务院关于中国人民银行的三定规定，中国人民银行的主要职责之一是：负责制定和实施人民币汇率政策，不断完善汇率形成机制，维护国际收支平衡，实施外汇管理，负责对国际金融市场的跟踪监测和风险预警，监测和管理跨境资本流动，持有、管理和经营国家外汇储备和黄金储备。

5．在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融工具销售给投资者的金融机构属于（）。

a．直接金融机构 b．金融服务机构c．创造货币机构 d．间接金融机构【解析】a 直接金融机构和间接金融机构最明显的区别是，前者在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融工具销售给投资者；而后者则发行自己为债务人的融资工具来筹集资金，然后又以各种资产业务分配运用这些资金。

工商银行2010年校园招聘真题

工商银行2010年校园招聘真题第一部分：行政能力测试题（65题），1.E-mail邮件本质上是（）。

A.一个文件B.一份传真C.一个电话D.一个电报2.下列作家不是法国人的是（）。

A.都德B.莫泊桑C.雨果D.海涅3.人体患急性炎症时，每立方毫米血液中白细胞数可能是（）。

A.700个B.16 000个C.30万个D.500万个4.含羞草的感应性对它生存的主要意义是（）。

A.防止损伤枝叶B.利用捕食昆虫C.利用水分运输D.利于体内有机物的分配5.宋朝以来，没有做过我国国都的城市是（）。

A.开封B.南京C.杭州D.洛阳6.我国少数民族中人口最多的民族是（）。

A.朝鲜族B.蒙古族C.壮族D.回族7.Internet的缺点是（）。

A.不够安全B.不能传输文件C.不能实现即时对话D.不能传送声音8.破坏臭氧层的物质主要是（）。

A.氟利昂B.二氧化碳C.酸雨D.紫外线9.不属于经济特区的城市是（）。

A.深圳B.珠海C.广州D.厦门10.计算机鼠标是一种（）。

A.输出设备B.输入设备C.光标D.控制器11.主张“人性善”的是（）。

A.孔子B.孟子C.荀子D.韩非子12.首先提出“无为而治”主张的是（）。

A.孔子B.孟子C.老子D.庄子13.月蚀发生时（）。

A.月球在地球和太阳之间B.太阳在月球和地球之间C.地球在太阳和月球之间D.是在新月的时候14.红色颜料与(①)色颜料可配成紫色，黄色颜料与(②)色颜料可配成绿色。

A.①绿；②蓝B.①蓝；②蓝C.①蓝；②红D.①绿；②红15.与针式打印机和喷墨打印机相比，不属于激光打印机特点的是（）。

A.打印分辨率高B.噪声小C.速度快D.价格低16.在我国古代神话中“开天辟地”、“钻木取火”、“尝百草”分别指（）。

A.燧人氏、女娲、神农氏B.盘古氏、神农氏、燧人氏C.盘古氏、燧人氏、神农氏D.女娲、燧人氏、神农氏17.一个人（）越过国际日期变更线时，钟表的时刻不变，但日期应加一天。

0-中国民生银行2010年招聘考试笔试试卷真题及答案解析

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第一部分综合知识测试一、言语理解与表达题：1．所以在这阴冷的四月里，奇迹不会发生。

任凭游人扫兴和诅咒，牡丹依然_ B____。

它不苟且不俯就不妥协不媚俗，它遵循自己的花期自己的规律，它有权为自己选择每年一度的盛大节日。

A．泰然处之B．安之若素C．我行我素D．岿然不动解析：泰然处之，形容镇静，沉着、冷静；安之若素，（遇到不顺利情况或反常现象）像平常一样对待，毫不在意；我行我素，不管别人怎么说，我还是照我本来的一套去做；岿然不动，高大独立，安稳不动。

故选B。

2．长江流域，无疑也是中华民族文化的_B____之一。

考古发现证明，旧石器时代处于长江上游今云南境内的元谋人，与黄河流域今陕西境内的蓝田人_____。

这个结论具有划时代的意义。

A．发源地表明B．发祥地证明C．发源地证明D．发祥地表明解析：“发源地”和“发祥地”都指事物发生起源的地方，但前者多指事物开始发生，所指事物多为具体的，而后者多用于抽象事物起源、兴起之地。

“表明”多用来吧态度或决心表示清楚；“证明”指用可靠材料来断定某人或事物的真实性。

故答案选B。

3．作者多年___A__着的质朴纯美的情和爱，汩汩地从笔端流淌出来，与崇高宽阔的胸怀相_____，充满了纯朴的人情美。

A．积淀契合B．积聚吻合C．积淀吻合D．积聚契合解析：积淀，积累沉淀而形成的思想、文化、习俗等；积聚，积累，聚集。

2010年建行招聘笔试题及解析

2010年中国建设银行招聘考试真题及解析一、单项选择题(下列每小题的备选答案中，只有一个符合题意的正确答案，请选出。

每小题1分，共55分。

)1．实际利率是由名义利率扣除（）后的利率。

A．利息所得税率B．生产变动率C．物价变动率D．平均利润率2．票据交易价格主要取决于（）。

A．市场利率B．票面利率C．票面价值D．到期价格3．信托是随着商品经济的发展而出现的一种财产管理制度，其本质是（）。

A．吸收存款，融通资金B．受人之托，代人理财C．项目融资规避风险，发放贷款4．根据《中国人民银行法》的规定，中国人民银行可以（）。

A．经营国家黄金储备B．确定市场利率C．代理工商信贷业务D．代理政策性银行业务5．在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融工具销售给投资者的金融机构属于（）。

A．直接金融机构B．金融服务机构C．创造货币机构D．间接金融机构6．通过向投资者发行股份或受益凭证募集资金，再对各类金融产品进行组合投资的金融机构是（）。

A．商业银行B．投资银行C．保险公司D．投资基金7．由某一个人或某一集团通过购买两家或更多的银行多数股票的形式，形成联合经营的银行组织制度属于（）。

A．持股公司制度B．连锁银行制度C．分支银行制度D．单一银行制度8．我国目前已形成了（）的金融体制。

A．混业经营、分业监管B．人民银行统一监管C．分业经营、分业监管D．混业经营、交叉监管9．目前国家开发银行的贷款主要是（）。

A．硬贷款B．软贷款C信用贷款D．抵押贷款10．在特定时期，我国政府为解决银行业不良资产，由政府出资专门收购和集中处置银行业不良资产的机构是（）。

A．中国银监会B．金融资产管理公司C．中国保监会D．金融租赁公司11．商业银行的贷款，按照贷款保全方式可分为（）。

A．长期贷款和短期贷款B．信用贷款和担保贷款C．企业贷款和个人贷款D．正常贷款和关注贷款12．商业银行新的业务运营模式的核心是（）。

银行系统公开招聘考试经济·金融真题2010年

2010年银行系统招聘考试真题汇编第一部分客观题一、单项选择题1．[中国银行] 下列选项中，属于间接税的是( )。

A．企业所得税 B．财产税 C．个人所得税 D．消费税2．[中国农业银行] 地方固定收入包括( )。

A．消费税 B．企业所得税C．关税 D．车船税3．[中国工商银行] 以费雪和庇古为代表的传统货币数量说认为货币对实物经济不起作用，他们的基本观点是( )。

A．假定其他因素不变，商品价格水平与货币数量成正比，货币价值与货币数量成反比B．假定其他因素不变，商品价格水平与货币数量成正比，货币价值与货币数量成正比C．货币数量说是关于货币需求的理论D．人们对货币的需求量取决于他们的流动性偏好4．[渤海银行] 在现代信用货币制度下，经常出现的货币失衡形式是( ) A．货币供应量相对于货币需求量偏小 B．货币供应量相对于货币需求量偏大C．结构性失衡 D．总量性失衡5．[中国建设银行] 下列中央银行的活动中，体现其“国家的银行”的职能是( )A．集中准备金 B．对政府提供信贷C．对商业银行提供信贷 D．组织全国的清算6．[中国银行] 属于货币政策较为理想的中介目标的是( )。

A．通货膨胀率 B．货币供应量C．长期利率 D．基础货币7．[中信银行] 银行接受客户的委托，为工商企业办理与货币资本运动有关的技术性业务，如汇兑、非现金结算等，使银行成为企业的总会计、总出纳，成为社会的总账房，这是商业银行的哪种职能?( )A．信用中介 B．支付中介C．信用创造 D．吸收存款8．[中国光大银行] 国际货币基金组织第八条款规定的货币可兑换类型主要是指( )。

A．完全可兑换 B．资本项目可兑换C．经常项目可兑换 D．有条件可兑换9．[中国民生银行] 作为国际货币体系的核心机构，以促进国际货币领域的合作为宗旨的国际金融机构是( )。

A．国际开发协会 B．国际货币基金组织C．国际清算银行 D．国际金融公司10．[恒丰银行] 下列误差中哪一项属于登记性误差产生的原因?( )A．没遵循随机原则 B．抄录错误C．样本结构与总体结构存在差异 D．样本容量不足11．[中国进出口银行] 下列说法中，不能成为导致我国财政支出规模扩大的是( )。

2010工商银行校园招聘笔试真题

2010工商银行校园招聘笔试真题上海金融人考试网（/）制作一、言语理解1.在下列各句横线处，依次填入最恰当的成语。

( )(1)合理的知识结构是广博与精专的辩证结合。

专与博都是相对的，应该，协调发展。

(2)神话能给人们一种积极向上的力量，迷信则使人们屈服于“妖魔鬼怪”。

我们绝不能把神话与迷信。

(3)我们在困难面前不应该，而应该奋勇前进。

A.融会贯通相提并论犹豫不决B.交相辉映同日而语举棋不定C.相辅相成混为一谈畏缩不前D.兼而有之一视同仁贪图安逸2.全党同志和全国人民团结一心，坚持不懈地奋斗，不断取得扎扎实实的成效，我们一定能够使社会主义新农村建设真正成为惠及广大农民群众的民心工程。

填入划横线部分最恰当的一项是( )。

A.如果就B.只有才能C.只要就D.倘若也就3.面对人大代表的依法，有些部门的负责人虽然还不能圆满答复，但都表现出虚心接受，认真反思的态度。

填入划横线部分最恰当的一项是( )。

A.质疑B.质问C.质对D.质询4.当三个女子从容地辗转于文明人所发明的枪弹的攒射中的时候，这是怎样的一个惊心动魄的伟大啊!中国军人的屠戮妇婴的，八国联军惩创学生的，不幸全被这几缕血痕抹杀了。

填入划横线部分最恰当的一项是( )。

A.伟绩武功B.罪行行径C.暴行罪恶D.罪恶罪行5.下列依次填入横线处的词语，恰当的一组是( )。

(1)进入这个单位后，他勤奋工作，每次都保质保量地完成任务，很快就得到领导及同事的。

(2)由于父亲是美国人，母亲是韩国人，比起其他同年龄的中学生来说，她很难自我。

A.认同认可B.赞同认识C.认可认同D.赞同认同二、逻辑计算6.一居民楼内电线的负荷只能允许同时使用6台空调。

现有8户人家各安装了一台空调。

问在一天(24小时)内，平均每户(台)最多可使用空调多少小时?( )A.16B.18C.20D.227.甲、乙、丙三人买书共花费96元钱，已知丙比甲多花16元，乙比甲多花8元，则甲、乙、丙三人花的钱的比是( )。

农村商业银行考试试题2010[1]

2010农村商业银行《公共基础》考试绝密全真试题2010-09-16 10:24:12 来源：广东会计证考试网浏览：97次一、单选题1、1979年，第一家城市信用合作社在（）成立。

A、广西贺州B、河北邢台C、江苏常州D、河南驻马店答案：D解释：1979年，第一家城市信用合作社在河南驻马店成立。

2、国际市场通常采用（）对债券风险进行评估。

A、债券信用评级法B、债券风险评级法C、内部评级法D、外部评级法答案：A解释：国际市场通常采用债券信用评级方法对债券风险进行评估。

3、金融市场发展对商业银行的促进作用不包括（）。

A、能够在很多方面直接促进商业银行的业务发展和经营管理B、银行上市发行股票，其股票和债券的价格会影响商业银行的经营管理，尤其是可能导致银行经营管理者的短期行为C、为商业银行的客户评价及风险提供了参考标准D、货币市场和资本市场能为商业银行提供大量的风险管理工具，在市场上通过正常的交易来转移风险答案：B解释：金融市场发展对商业银行的促进作用包括能够在很多方面直接促进商业银行的业务发展和经营管理;为商业银行的客户评价及风险提供了参考标准;货币市场和资本市场能为商业银行提供大量的风险管理工具，在市场上通过正常的交易来转移风险等。

4、商业银行向客户直接提供资金支持，这属于商业银行的（）。

A、授信业务B、受信业务C、表外业务D、中间业务答案：A解释：个人授信是指银行根据客户的资信状况和提供的担保，事先给客户核准一个额度，在一定时期内，客户可在该额度内连续、循环使用贷款。

5、中国人民银行上海总部成立于2005年8月10日，其主要职责包括（）。

A、制定和执行货币政策B、发行人民币，管理人民币流通C、经理国库D、组织实施中央银行公开市场操作答案：D解释：制定和执行货币政策;发行人民币，管理人民币流通;经理国库都是中国人民银行总行的职责，故A、B、C 选项错误。

6、1999年，我国为了管理和处置国有银行的不良贷款，成立了四家资产管理公司，分别收购、管理和处置四家国有商业银行和（）的部分不良资产？A、国家开发银行B、中国进出口银行C、中国农业发展银行D、中国人民银行答案：A解释：1999年，我国为了管理和处置国有银行的不良贷款，成立了信达资产管理公司、长城资产管理公司、东方资产管理司和华融资产管理公司，分别收购、管理和处置四家国有商业银行和国家开发银行的部分不良资产。

2010年中国农业银行校园招聘考试真题及答案解析

春闻网学习改变Байду номын сангаас来
Source From:
3、无线上网的计算机也会有天线辐射，因为键盘实质上也是天线。在键盘的每个按键处布满了纵横网格，本身就形成了天线，而且每个键随时都在被高频电磁扫描，能发射出大量的电磁波。通常，人们只注意将电磁波封堵在机箱内但是却很大程度上忽略了键盘的电磁波外泄。
春闻网学习改变未来
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D 只要看准时机就能“无套利兑现” 答案：B 9、在一次画展中，一幅价值百万元的名画被盗了。窃贼确定是一同前来观展的，周祥、吴桑、郑仪、王强、佟方五个人中的一个，他们在接受警方调查的时候，都各说了三句话。周祥：我没有偷名画，我从小到大没有偷过任何东西，是王强偷的。吴桑：我没有偷名画;我家里很有钱,而且我家里收藏了很多名画; 王强知道是谁偷的。郑仪：我没有偷名画，我之前并不认识佟方;是王强偷的。王强：我没有偷名画;是佟方偷的;周祥说是我偷的，他说谎。佟方：我没有偷名画;吴桑偷的，郑仪可以为我担保;因为我和他从小在一起。警方经过仔细分析后，发现它们每个人所说的话中只有二句是真的，另外一句是假的，那么偷画的人是： A 吴桑 B 佟方 C 王强 D 周祥答案：D 10、情感，是人们对芭蕾艺术掌握的重要特征，艺术审美是要以情感规范艺术，一情感感染、启示艺术鉴赏者。由此我们可以得出： A 人们对芭蕾舞艺术的掌握即是情感的掌握 B 人们的生活实践是芭蕾舞艺术的源泉 C 一切芭蕾舞艺术都与情感有关 D 芭蕾舞艺术都以高尚的人类情感为对象答案：A
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2010 年中国农业银行校园招聘考试真题及答案解析
- 中国农业银行山东分行（综合类）
温馨提示：历年中国农业银行校园招聘考试项目真题官方都不会直接公布，此文为春闻网根据考生回忆进行总结整理的 2010 年中国农业银行校园招聘考试真题，招录单位为 2010 年中国农行山东分行(综合类)仅供各位考生参考。

2010 中国邮政储蓄银行校园招聘考试真题题库

2010中国邮政储蓄银行校园招聘考试真题题库一、填空部分1、储蓄机构设置，应当遵循统一规划，方便群众，注重实效，确保安全的原则。

2、农村信用社办理储蓄存款应坚持存款自愿、取款自由、存款有息、为储户保密的原则。

3、定活两便储蓄存款，50元起存，一次存入，不定存期，一次支取本息。

4、人民法院、人民检察院、公安机关、国家安全机关等部门因侦察、起诉、审理案件要求查询、冻结、扣划存款时必须向信用社出具由县级或县级以上人民法院、人民检察院、公安机关、国家安全机关的正式通知。

5、储蓄存款停止支付（冻结）的期限最长不超过六个月，逾期自动撤销。

6、开办通存通兑的储蓄机构，正式挂失手续须在原开户储蓄机构办理，联机机构只能办理临时挂失手续。

7、计算储蓄存款利息的基本公式：利息＝本金×利率×期限。

8、定期储蓄存期的计算不论是大月、小月或平月、闰月，每月均按30天计算，全年按360天计算。

9、定期储蓄存款适逢节假日到期，储户不能按期取款，储户可在储蓄机构节假日前一天办理支取或转存手续，对此，手续上视同提前支取，但利息按到期计算。

10、对个人取得的教育储蓄存款利息所得以及国务院财政部门确定的其他专项储蓄存款或储蓄性专项基金存款的利息所得，免征个人所得税。

11、储蓄会计凭证的传递，必须做到准确及时、手续严密、先外后内、先急后缓。

储蓄业务的帐务组织包括明细核算和综合核算两个系统。

12、信用社当前采用借贷记帐法，是以资金平衡原理为依据，以借贷为记帐符号，以有借必有贷，借贷必相等为记帐规则的一种复式记帐法。

13、会计恒等式：资产＝负债＋所有者权益。

14、储蓄错帐冲正，必须经会计主管人员（负责人）审查盖章后方能办理。

储蓄帐务核对分为每日核对、定期核对和不定期核对。

15、储蓄会计凭证必须按结帐日整理，按日或定期装订，定期装订最长不超过十天。

16、储蓄凭证表内科目按现收、现付、转借、转贷的顺序排列。

17、会计档案保管期限分为永久保管和定期保管两种。

中国银行2010年分行招聘考试真题

中国银行2010年分行招聘考试真题《认知能力题本》图形符号推理根据给出的图形符号，选出符合规律的一项。

1.2.3.4.5.6.7.8.9.10.11.12.数字推理根据所给数字的规律，从四个选项中选出最恰当的一项。

13.1，4，16，49，121（）A.256B.225C.196D.16914.3，6，11，（），27A.15B.18C.19D.2415.2，13，40，61，（）A.46.75B.82C.88.25D.12116.2/3，3/2，4/3，3，8/3，（）A.8/3B.16/3C.6D.817.12，14，20，38，（）A.46B.52C.64D.9218.8，12，16，16，（），-64A.0B.4C.-8D.1219.12，1112，3112，211213，（）A.312213B.132231C.112233D.33221120.A.13B.7C.0D.-621.0，8，54，192，500，（）A.840B.960C.1080D.128022.2，12，36，80，（）A.100B.125C.150D.17523.0，91，272，271，（） A.27 B.97C.185D.243424. （） 28 3610 18 181 9 9 9A.18B.28C.54D.6425.-2，14，6，10，8，（）A.4B.7C.9D.1026.A.21B.42C.50D.7827.1，2，2，3，4，（）A.3B.7C.8D.928.39，62，91，126，149，178，（）A.205B.213C.221D.22629.3，16，45，96，（），288A.105B.145C.175D.19530.-2，-4，0，16，（）A.25B.32C.50D.6431.8，16，22，24，（）A.18B.22C.26D.2832.1，3，4，1，9，（）A.5B.11C.14D.64言语理解根据文字陈述，完成题目要求。

中国银行2010笔试行测&综合测试真题及答案

中国银行2010笔试综合&行测真题及答案——大街网倾情奉献中国银行校园招聘官方讨论区：/大街网求职招聘：/中国银行2010笔试综合&行测真题及答案中国银行的校园招聘统一笔试包括三部分第一部分：英语90分钟（95题）题型大致分为：单选（老六级）、改错、完型、阅读、阅读新题型（段落排序、句子排序）、快速阅读等，题量笔研究生考试的题量还要大，而且时间只给一个半小时第二部分：行政能力测试60分钟（70题）基本上全部是推理题，包括：言语能力（选词填空）数字推理符号推理数量关系逻辑排序材料分析逻辑判断常识问题第三部分：综合（80题）考的知识比较全面，包括：金融学、会计学、计算机基础、管理学、时政等内容，以下为搜集的2010笔试真题及部分答案。

注意：给一个答案的就是正确答案有选项的表示答案还需要讨论全篇如此，供大家参考。

一、数字推理3.32，7.16，11.08，（），19.02 15.042，8，18，（），50 32123，52，21，9，3，（） 31，3/4，8/9，9/8，7/5,( ) 61/363，3，6，24，（）192二、数量关系1．周长为400M的操场每20M画一道线请问要一共要画多少道线192021222. 二进制数1100100转换成十进制为：941101001023. 一个KTV每周二全天半价，其他每天晚上11点到第二天凌晨7点半价，请问一周共有多少小时半价营业4. 下列那个乘积最大：A. 599*601B. 598*602C ？D. 500*6005. 班里有5个女生、10个男生，抽出一个人去值班，抽完了就去掉不再加入，第二次抽到女生的概率为多少？A三分之一B15分之1C14分之1 D？三、符号推理1. 回、赏、同、形同一规律的字：A.章B、卜C、?D.园四、逻辑排序（题目部分选项不清欢迎讨论得出答案）1.行政改革滞后公款吃喝人大代表发言社会热评2. 住房改革建立商品房建立廉价租房买不起房子房价上涨3. 金融危机盲目留学留学生留不了学（大概这个意思）国外部分高校。

2010年中国邮政储蓄银行招聘考试笔试真题及答案解析

2010年中国邮政储蓄银行招聘考试笔试真题及答案解析第一部分综合能力测试一、言语理解与表达1．我们的一些科普文章常常激不起公众的兴趣，原因之一便是枯燥。

要把科普文章写得“郁郁乎文哉”，就需要作家的笔。

科学的飞速发展，为文学写作提供了一座富矿。

相信有眼光的文学家一旦领略科学题材的广阔富饶，便会陶醉在它的无限风光中乐而忘返。

这段文字谈论的是：A 科普文章对作家的依赖B 科学和文学的互相激励作用C 科学和文学互相依赖的关系D 科学发展为文学提供了丰富的素材【答案】 B 【解析】题干陈述包含两层意思：“科普文章对作家的依赖”，即科学需借助文学去推广普及；同时，“科学发展为文学提供了丰富的素材”，即科学发展促进了文学的发展。

A 项与 D 项由于都只涉及了这两层意思中的一个方面，首先应予以排除。

至于 C 项，应该说其表述是不够准确的。

科学与文学是相互独立的，科学不依赖文学而存在，文学也不依赖科学而存在，但两者可以相互影响，相互促进发展。

2．在我国加入世界贸易组织、农业科技迅猛发展的形势下，农业面临的竞争首先是科技竞争。

只有尽快提高农民的文化素质和科技意识，才能不断推广大批先进实用的农业科技成果，为农业和农村经济的发展提供有力的科技支撑。

我国将继续推进农业和农村经济结构调整，大力发展优势农产品和特色产业，将在粮食主产区推广 50 个优质高产高效品种和 10 项关键技术。

这些品种和技术的推广和运用都需要高素质的农民。

为此，国家已经决定大力发展农村成人教育，在全国普遍开展农村实用技术培训，每年将培训农民超过 1 亿人次。

这段文字的意思是在强调：A 农民亟需提高科学文化素质B 国家加大农业和农村经济结构调整C 发展科技才能提高我国农业的竞争力D 每年有大量农民接受农村实用技术培训【答案】 A 【解析】题干最后一句话是结论，之所以要“大力发展农村成人教育，在全国普遍开展农村实用技术培训”，是因为“农民亟需提高科学文化素质”。

2010年中国工商银行总行校园招聘笔试试题

⼀、⾔语理解 1.中国妇⼥发展基⾦会将委托专业⾦融机构对中国⼥⾜发展基⾦进⾏管理和运作，其收益部分⽤于资助中国⼥⼦⾜球队改善⽣活和训练条件，开展交流与合作，培养选拔后备⼒量。

下列表述，符合⽂意的是( )。

A.中国⼥⾜发展基⾦，将解决中国⼥⾜所⾯临的问题B.⼴泛开展交往合作，是培养和选拔⼥⾜后备⼒量的保证C.中国⼥⾜的活动，由受委托的专业⾦融机构管理和运作D.中国⼥⾜发展基⾦，已确定了管理机制和运作规则 2.⽬前，我国⼴⼤居民个⼈依法纳税的意识还很⽋缺，因此，加强个⼈所得税⽅⾯的法制宣传⼯作⾮常必要。

通过各种形式进⾏个⼈所得税的宣传、教育⼯作，培养⼴⼤居民⾃觉依法纳税的意识，在全社会树⽴⼀个依法纳税光荣，偷税、逃税可耻的社会风⽓。

最能准确复述这段话主要意思的是( )。

A.加强个⼈所得税⽅⾯的宣传⼯作，培养⼴⼤居民⾃觉依法纳税的意识 B.依法纳税光荣，偷税、逃税可耻 C.我国⼴⼤居民个⼈依法纳税的意识还很⽋缺 D.加强个⼈所得税⽅⾯的法制宣传⼯作⾮常必要 3.不要过分地依赖语⾔。

不要总是企图在语⾔上占上风。

语⾔解不开的，事实可以解开。

语⾔解开了⽽事实没有解开的话，语⾔会失去价值，甚⾄只能添乱。

想到让事实说话的⼈⽐起动不动就想说倒⼀⼤⽚的⼈更安详。

这段话的主要观点是( )。

A.语⾔是不重要的，⽽事实才重要 B.语⾔是不可靠的 C.事实解不开的话，语⾔也解不开 D.事实⽐动听的语⾔更有⼒量 4.寻找地球外的智慧⽣物⼀直是⼈们乐此不疲的⼯作。

如果“外星⼈”确实存在，他们居住的星球应该和我们的地球具有⼤致相同的环境。

科学家已就这⼀点基本达成共识，他们正努⼒在太阳系外寻找“第⼆地球”，也就是所谓的类地⾏星。

从这段⽂字中不能得出的结论是( )。

A.外星⼈是地球外的智慧⽣物 B.外星⼈居住的星球是类地⾏ C.科学家认为有外星⼈存在 D.“第⼆地球”可能存在于太阳系外 5.在世界范围内，常规能源逐渐减少，所以许多国家都在尽⼒减少，或摆脱对进⼝能源的依赖，寻找新能源。

银行招聘考试全真模拟试卷(一)

银行招聘考试全真模拟试卷〔一〕说明这项测验共有五个局部，100道题，总时限为120分钟，各局部不分别计时。

请在机读答题卡上严格按照要求填写好自己姓名、报考部门，涂写准考证号。

请仔细阅读下面考前须知，这对你获得成功非常重要：1．题目应在答题卡上作答，不要在题本上作任何记号。

2．监考人员宣布考试开场时，你才可以开场答题。

3．监考人员宣布考试完毕时，你应立即放下铅笔，将试题本、答题卡与草稿纸都留在桌上，然后离开。

如果你违反了以上任何一项要求，都将影响你成绩。

4．在这项测验中，可能有一些试题较难，因此你不要在一道题上思考时间太久，遇到不会答题目可先跳过去，如果有时间再去思考。

否那么，你可能没有时间完成后面题目。

5．试题答错不倒扣分。

6．特别提醒你注意，涂写答案时一定要认准题号。

严禁折叠答题卡！说明：本试题在深入总结历年真题根底上编制而成，目是让广阔考生更有针对性地了解考试题型，调整应试心理，提前进入考试状态，从而在考试时充分发挥自己水平，取得优异成绩。

停！请不要往下翻！听候监考教师指示。

否那么，会影响你成绩。

一．单项选择。

(1’*63=63’)1.不构成我国政策性金融机构资金来源是( )A.财政拨款B.金融债券C.开户企业存款D.社会公众存款2.商业银行经营与组织存款首要原那么是( )A.存款合理竞争原那么B.存贷挂钩原那么C.按时清偿原那么D.存款本钱最低原那么3.后付年金是指一系列在一定期限内每期等额收付款项一般发生每期〔〕。

A.期末B.期初C.期中4.如果你是一个投资者，你认为以下哪项决策是正确〔〕。

A.假设两工程投资金额一样、期望收益率一样，应选择较高标准离差率方案。

B.假设两工程投资金额一样、标准离差一样，那么应选择期望收益高工程。

C.假设两工程投资金额一样、期望收益与标准离差均不一样，那么应选择期望收益高工程。

D.假设两工程投资金额一样、期望收益与标准离差均不一样，那么应选择标准离差低工程。

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银行招聘考试全真模拟试卷(一)