[語言類考試復習資料大全]銀監(jiān)財經(jīng)專業(yè)模擬11

1、書山有路勤為徑，學海無涯苦作舟。祝愿天下莘莘學子：學業(yè)有成，金榜題名！語言類考試復習資料大全銀監(jiān)財經(jīng)專業(yè)模擬11銀監(jiān)財經(jīng)專業(yè)模擬11一、經(jīng)濟金融基礎知識單項選擇題在每題給出的四個選項中，只有一項是符合題目要求的。問題:1. 下列行為中最接近完全競爭市場模式的一項是_。A.飛機制造業(yè)B.煙草業(yè)C.日用小商品制造業(yè)D.汽車制造業(yè)答案:C解析 完全競爭市場具有如下一些特點：第一，產(chǎn)業(yè)集中度低；第二，產(chǎn)品同一性很高；第三，不存在任何人進入與退出的壁壘；第四，完備的市場信息。顯然，只有C選項是接近完全競爭市場的模式。問題:2. 關于投資乘數(shù)的說法，正確的是_。A.投資乘數(shù)是平均儲蓄傾向的倒數(shù)B.投資乘數(shù)

2、是邊際儲蓄傾向的倒數(shù)C.投資乘數(shù)是邊際消費傾向的倒數(shù)D.投資乘數(shù)是平均消費傾向的倒數(shù)答案:B解析 投資乘數(shù)=1/(1-邊際消費傾向)=1/邊際儲蓄傾向。由此可知投資乘數(shù)是邊際儲蓄傾向的倒數(shù)。問題:3. 根據(jù)經(jīng)濟學家凱恩斯的消費理論，邊際消費傾向和平均消費傾向的關系是_。A.邊際消費傾向總是小于平均消費傾向B.邊際消費傾向總是等于平均消費傾向C.邊際消費傾向總是大于平均消費傾向D.邊際消費傾向和平均消費傾向的關系不穩(wěn)定答案:A解析 邊際消費傾向小于平均消費傾向。問題:4. 以縱軸代表價格、橫軸代表產(chǎn)量繪制某種農(nóng)產(chǎn)品的需求曲線和供給曲線。假設其他條件不變，當生產(chǎn)成本上升時，在坐標圖上就表現(xiàn)為這種農(nóng)

3、產(chǎn)品的_。A.供給曲線將向左移動B.需求曲線將向左移動C.需求曲線將向右移動D.供給曲線將向右移動答案:A解析 生產(chǎn)成本的變化會導致供給曲線的位移。生產(chǎn)成本提高會導致供給量下降，從而會導致供給曲線向左平移。問題:5. 下列資源配置狀態(tài)中，達到帕累托最優(yōu)的是_。A.國民收入實現(xiàn)了公平分配B.社會全體成員的福利同時改善C.不使社會中的某些成員福利變差，就無法使其他成員福利改善D.實現(xiàn)外部影響內(nèi)部化答案:C解析 帕累托最優(yōu)是指不存在帕累托改進的資源配置狀態(tài)。即如果資源在某種配置下，不可能由重新組合生產(chǎn)和分配來使一個人或多個人的福利增加，而不使其他任何人的福利減少。二、銀監(jiān)財經(jīng)類專業(yè)單項選擇題在每題給

4、出的四個選項中，只有一項是符合題目要求的。問題:1. 以下哪種說法是正確的?_A.要素需求不如產(chǎn)品需求那么重要，因而前者又稱為派生需求B.廠商在決定要素需求時不一定遵守利潤最大化的原則C.邊際收益產(chǎn)品指其他投入不變時，廠商新增一單位某種投入所增加的收益D.對壟斷廠商來說，邊際收益產(chǎn)品等于產(chǎn)品的價格乘以該投入的邊際產(chǎn)品答案:C解析 A項要素需求又稱為派生需求，其原因在于廠商對生產(chǎn)要素的需求是從消費者對產(chǎn)品的直接需求中派生出來的，并不是說要素需求不如產(chǎn)品需求那么重要；B項廠商在決定要素需求時同樣需要遵守利潤最大化原則；D項對壟斷廠商來說，邊際收益產(chǎn)品等于邊際收益乘以該投入的邊際產(chǎn)品。邊際收益產(chǎn)品等

5、于產(chǎn)品的價格乘以該投入的邊際產(chǎn)品是完全競爭廠商的情況。問題:2. 一般而言，通貨膨脹率持續(xù)較高的國家，其貨幣在外匯市場上將會趨于_。A.升值B.貶值C.不升不降D.無法判斷答案:B解析 通貨膨脹率高，貨幣購買力弱，根據(jù)購買力平價理論，在外匯市場上匯率趨于降低，貨幣貶值。問題:3. 下面哪一種情況屬于政府對居民的轉(zhuǎn)移支付?_A.向公務員支付工資B.購買國防武器C.修建高速公路D.為失業(yè)工人提供救濟金答案:D解析 選項ABC屬于購買性支出。購買性支出直接表現(xiàn)為政府購買商品和服務的活動。購買性支出包括政府消費性支出和政府投資性支出。轉(zhuǎn)移性支出，是指政府付出財政資金卻不能得到直接的補償，不存在等價交換

6、問題。換言之，轉(zhuǎn)移性支出直接表現(xiàn)為資金無償、單方面的轉(zhuǎn)移。問題:4. 當經(jīng)濟過熱時，政府應采取的財政政策包括_。A.減少政府財政支出B.擴大財政赤字C.減少稅收D.增加貨幣供給量答案:A解析 當經(jīng)濟過熱時，政府應采取緊縮的財政政策。擴大財政赤字、減少稅收屬于擴張的財政政策，增加貨幣供給量屬于擴張的貨幣政策。問題:5. 作為金融中介機構，商業(yè)銀行的經(jīng)營對象是_。A.內(nèi)控和風險B.信貸和風險C.貨幣和信用D.資產(chǎn)和負債答案:C解析 商業(yè)銀行是特殊的企業(yè)，其經(jīng)營對象是貨幣形態(tài)的資金及信用。問題:6. 在商業(yè)銀行的資本管理中，能夠切實反映銀行因承擔風險而真正需要的資本是_。A.賬面資本B.經(jīng)濟資本C.

7、監(jiān)管資本D.會計資本答案:B解析 賬面資本和會計資本相同，是銀行實際擁有的資本；監(jiān)管資本是符合外部監(jiān)管要求的資本，經(jīng)濟資本才是銀行因承擔風險真正需要的資本水平。問題:7. 按照銀行業(yè)監(jiān)督管理法的規(guī)定，對發(fā)生風險的銀行業(yè)金融機構的處置方式中不包括_。A.接管B.重組C.查詢、凍結涉嫌違法的賬戶D.撤銷答案:C解析 按照銀行業(yè)監(jiān)督管理法的規(guī)定，對發(fā)生風險的銀行業(yè)金融機構的處置方式主要有接管、重組、撤銷和依法宣告破產(chǎn)。其他監(jiān)督管理措施中包括經(jīng)國務院銀行業(yè)監(jiān)督管理機構或省一級派出機構負責人批準，銀行業(yè)監(jiān)督管理機構有權查詢涉嫌違法賬戶。問題:8. 根據(jù)中國銀行業(yè)監(jiān)督管理委員會2011年7月發(fā)布的商業(yè)銀行

8、公司治理指引，良好的商業(yè)銀行公司治理內(nèi)容不包括_。A.健全的組織架構B.較快的發(fā)展速度C.清晰的職責邊界D.有效的風險管理答案:B解析 良好的公司治理應該包括健全的組織架構，清晰的職責邊界，科學的發(fā)展戰(zhàn)略、價值準則與良好的社會責任，有效的風險管理與內(nèi)部控制，合理的激勵約束機制。問題:9. 投資銀行并不介入投資者和籌資者之間的資金權利和義務中，而是幫助投資者和籌資者進行金融工具的買賣，此時其收入只是表現(xiàn)為收取_。A.利息B.傭金和服務費C.金融工具溢價收入D.登記結算費答案:B解析 投資銀行所提供的中介性質(zhì)服務收取的是傭金和服務費。問題:10. 為規(guī)避信貸規(guī)模控制、存貸比等監(jiān)管要求，近年來我國商

9、業(yè)銀行貸款的“表外化”趨勢明顯。從金融創(chuàng)新的角度來看，我國商業(yè)銀行的這一趨勢屬于_。A.金融工具創(chuàng)新B.金融制度創(chuàng)新C.金融業(yè)務創(chuàng)新D.金融政策創(chuàng)新答案:C解析 金融業(yè)務的創(chuàng)新包括貸款結構的變化，貸款證券化，貸款業(yè)務“表外化”等形式。問題:11. 在金融衍生品工具中，遠期合同的最大功能是_。A.價格發(fā)現(xiàn)B.提高效率C.轉(zhuǎn)嫁風險D.增加盈利答案:C解析 遠期合同通過靈活的不同于場內(nèi)交易的形式轉(zhuǎn)嫁風險。問題:12. 保險的基本職能包括經(jīng)濟給付職能和_。A.補償損失職能B.資金積累職能C.風險管理職能D.社會管理職能答案:A解析 保險的職能包括基本職能和派生職能，基本職能包括經(jīng)濟給付職能和補償損失職

10、能。問題:13. 在金融交易中，逆向選擇和道德危害產(chǎn)生的根源是_。A.信息不對稱B.交易成本C.金融抑制D.公共產(chǎn)品答案:A解析 信息不對稱導致的市場失靈的兩種表現(xiàn)是逆向選擇和道德風險。問題:14. 劍橋方程式從用貨幣形式保有資產(chǎn)存量的角度研究貨幣需求，重視存量貨幣占收入的比例，又被稱為_。A.現(xiàn)金交易說B.現(xiàn)金余額說C.國際借貸說D.流動性偏好說答案:B解析 一般而言，現(xiàn)金交易說指費雪方程式，現(xiàn)金余額說指劍橋方程式。問題:15. 凱恩斯認為，貨幣需求量受未來利率不確定性的影響，因此，貨幣政策應采取_。A.單一規(guī)則B.泰勒法則C.相機行事D.蛇形浮動答案:C解析 相機行事的貨幣政策正是基于未來

11、利率對貨幣需求影響的不確定性，是凱恩斯學派的貨幣需求理論的觀點。泰勒法則描述了短期利率如何針對通脹率和產(chǎn)出變化調(diào)整的準則；依照貨幣主義的觀點，最優(yōu)的貨幣政策是按單一的規(guī)則控制貨幣供給量，其貨幣增長速度等于經(jīng)濟增長率加上通貨膨脹率；20世紀70年代，歐洲當時的貨幣制度被稱為“蛇形浮動”。德國在經(jīng)濟上是龍頭老大，因此其他各國的貨幣都與德國馬克掛鉤。問題:16. 英鎊的年利率為27%，美元的年利率為9%，假如一家美國公司投資英鎊1年。為符合利率平價，英鎊應相對美元_。A.升值18%B.貶值36%C.貶值14%D.升值14%答案:C解析 英國利率高于美國利率，根據(jù)利率平價理論，遠期匯率將貶值，無論投資

12、哪國收益率相等。即1(1+27%)(1-貶值率)=1(1+9%)，解得貶值率為14%。問題:17. 假定某商業(yè)銀行吸收到1000萬元的原始存款，然后貸放給客戶，法定存款準備金率為12%，超額準備金率為3%，現(xiàn)金漏損率為5%，則存款乘數(shù)是_。A.5B.6.7C.10D.20答案:A解析 1/(12%+3%+5%)=5。問題:18. 在貨幣均衡分析中，用來描述在貨幣市場均衡狀態(tài)下收入和利率之間相互關系的曲線是_。A.BP曲線B.J曲線C.IS曲線D.LM曲線答案:D解析 LM曲線表示在貨幣市場中，貨幣供給等于貨幣需求時收入與利率的各種組合的點的軌跡。問題:19. 通貨膨脹實質(zhì)是一種貨幣現(xiàn)象，表現(xiàn)為

13、商品和生產(chǎn)要素價格總水平在一定時期內(nèi)_。A.持續(xù)下降B.持續(xù)上升C.間歇性下降D.間歇性上升答案:B解析 通貨膨脹(Inflation)指因貨幣供給大于貨幣實際需求，也即現(xiàn)實購買力大于產(chǎn)出供給，導致貨幣貶值，而引起的一段時間內(nèi)物價持續(xù)而普遍地上漲現(xiàn)象。其實質(zhì)是社會總需求大于社會總供給(供遠小于求)。紙幣、含金量低的鑄幣、信用貨幣，過度發(fā)行都會導致通脹。問題:20. 凱恩斯把貨幣供應量的增加并未帶來利率的相應降低，而只是引起人們手持現(xiàn)金增加的現(xiàn)象稱為_。A.資產(chǎn)證券化B.流動性陷阱C.資產(chǎn)貨幣化D.劣幣驅(qū)逐良幣答案:B解析 流動性陷阱是凱恩斯提出的一種假說，指當一段時間內(nèi)即使利率降到很低水平，市

14、場參與者對其變化不敏感，對利率調(diào)整不再作出反應，導致貨幣政策失效。三、銀監(jiān)財經(jīng)類專業(yè)多項選擇題下面各題，每題至少有兩個正確答案。問題:1. 下列市場中，屬于貨幣市場的有_。A.國庫券市場B.銀行承兌匯票市場C.回購協(xié)議市場D.商業(yè)票據(jù)市場 A B C D答案:ABCD解析 貨幣市場是指以期限在1年以內(nèi)的金融工具為媒介進行短期資金融通的市場。從交易對象的角度來看，貨幣市場主要由同業(yè)拆借、票據(jù)、國庫券以及回購協(xié)議等子市場組成。問題:2. 關于我國債券市場現(xiàn)狀的描述，正確的有_。A.債券市場的主體是銀行間債券市場B.債券市場以人民幣債券為主C.外資金融機構經(jīng)批準可以進入銀行間債券市場進行交易D.上市

15、商業(yè)銀行可以在交易所債券市場進行交易 A B C D答案:ABCD問題:3. 根據(jù)資產(chǎn)定價理論中的有效市場理論，資本市場可以分為弱式有效市場、半強式有效市場和強式有效市場。其中，半強式有效市場的信息包括_。A.公司財務報告信息B.歷史價格信息C.公司紅利政策信息D.公司公告 A B C D答案:ABCD解析 弱式有效市場的信息僅包括歷史價格信息。半強式有效市場假說認為價格已充分反映出所有已公開的有關公司營運前景的信息。這些信息有成交價、成交量、盈利資料、盈利預測值，公司管理狀況及其他公開披露的財務信息等。強式和半強式有效市場的區(qū)別在于信息公開的效率是否受到影響，即是否存在未公開的“內(nèi)幕信息”。

16、問題:4. 我國利率市場化改革的總體思路包括_。A.先外幣、后本幣B.先貸款、后存款C.先本幣、后外幣D.先大額、長期，后小額、短期 A B C D答案:ABD解析 中國利率市場化改革的總體思路：先外幣、后本幣；先貸款、后存款；先長期、大額，后短期、小額。問題:5. 銀監(jiān)會的監(jiān)管措施包括_。A.信息披露監(jiān)管B.現(xiàn)場檢查C.非現(xiàn)場監(jiān)管D.監(jiān)管談話 A B C D答案:ABCD四、英語閱讀理解題閱讀下列短文，從每題所給的四個選項(A、B、C和D)中，選出最佳選項。 The United States is not (thank goodness) a culturally homogeneous

17、country. It consists of many distinct moral communities. On certain social issues, such as abortion and homosexuality, people dont agree and probably never willand the signal political advantage of the federalist system is that they dont have to. Individuals and groups who find the values or laws of

18、 one state obnoxious have the right to live somewhere else. The nationalization of abortion policy in the Supreme Courts 1973 Roe v. Wade decision created a textbook example of what can happen when this federalist principle is ignored. If the Supreme Court had not stepped in, abortion would today be

19、 legal in most states but not all; proliflers would have the comfort of knowing they could live in a state whose law was compatible with their views. Instead of endlessly confronting a cultural schism that affects every Supreme Court nomination, we would see occasional local flare-ups in state legis

20、latures or courtrooms. America is a stronger country for the moral diversity that federalism uniquely allows. Moral law and family law govern the most intimate and, often, the most controversial spheres of life. For the sake of domestic tranquility, domestic law is best left to a level of government

21、 that is close to home. So well suited is the federalist system to the gay-marriage issue that it might almost have been set up t0 handle it. In a new land whose citizens followed different religious traditions, it would have made no sense to centralize marriage or family law. And so marriage has be

22、en the domain of local law not just since the days of the Founders but since Colonial times, before the states were states. To my knowledge, the federal government has overruled the states on marriage only twice.The first time was when it required Utah to ban polygamy as a condition for joining the

23、Unionand note that this ruling was issued before Utah became a state. The second time was in 1967,when the Supreme Court, in Loving v. Virginia, struck down sixteen states bans on interracial marriage. Here the Court said not that marriage should be defined by the federal government but only that st

24、ates could not define marriage in ways that violated core constitutional rights. On the one occasion when Congress directly addressed samesex marriage, in the 1996 Defense of Marriage Act, it decreed that the federal government would not recognize same-sex marriages but took care not to impose that

25、rule on the states. 1. The political advantages of a federalist system is that _.A.people may have different opinions about abortion.B.controversial opinions on certain social issues are allowed.C.some states are more obnoxious than others.D.people can move from state to state if they like.答案:B解析 細節(jié)

26、題。根據(jù)關鍵詞the political advantage of a federalist system定位到第一段。第一段提到，對于某些社會問題，人們的意見不統(tǒng)一，而且可能永遠不會統(tǒng)一，隨后提到聯(lián)邦體制的政治優(yōu)勢人們不必持有相同的意見。B項“可以容許人們對某些社會問題持有爭論性觀點”與此意符合，為正確答案。A項“人們可以對墮胎持有不同的觀點”和D項“如果人們愿意，他們可以從一個州遷移到另一個州”只是人們不必持有相同意見的具體表現(xiàn)；C項“某些州比其他州更令人討厭”是針對該段最后一句話設置的干擾項，與文意不符。2. What we know about abortion law in Amer

27、ican is that _.A.it is illegal in all over America to have an abortion.B.the Supreme Court had not interfered in abortion law.C.abortion used to be a legal practice in most states.D.abortion is still legal in most states in America today.答案:C解析 細節(jié)題。根據(jù)關鍵詞abortion定位到第二段。第二段首先指出最高法院有關墮胎的全國性政策，隨后指出，如果最高

28、法院當時沒有介入的話，那么現(xiàn)在墮胎在大多數(shù)州但不是所有州都是合法的。這說明，墮胎以前在大多數(shù)州合法。C項“在大多數(shù)州，墮胎以前是合法行為”與此意符合，為正確答案。其他三項均與題意不符。3. The local government is often responsible for local domestic law affairs because _.A.the Supreme Court deems it a big burden.B.this way of handling domestic laws guarantees a better stability.C.local famil

29、ies resent the decisions made by the Supreme Court.D.the moral diversity is stronger on the local level of government.答案:B解析 細節(jié)題。根據(jù)關鍵詞local domestic law affairs定位到第三段。第三段提到道德法規(guī)和家庭行為準則，指出為了家庭的穩(wěn)定，家庭行為準則最好交給離家庭最近的那一級政府掌管。這說明，原因是為了穩(wěn)定。B項“管理家庭行為準則的這種方式確保了更好的穩(wěn)定”與此意符合，為正確答案。其他三項都屬于無中生有。4. The author seems t

30、o think that gay marriage should be _.A.left to the decision of individual state government.B.the sole responsibility of the federal government.C.banned on both the federal and the local levels.D.overruled by the Supreme Court as soon as possible.答案:A解析 細節(jié)題。根據(jù)關鍵詞gay marriage定位到最后一段。最后一段提到，在一個公民遵從不同宗

31、教傳統(tǒng)的新國家，把婚姻和家庭行為準則集中化毫無道理，所以，婚姻一直是地方法律的管轄領域。這說明，作者認為，同性婚姻應該由地方政府處理。A項“留給當事人所在的州政府決定”是對文中相關信息的概括，為正確答案。其他三項均與題意不符。5. We can learn from the text that _.A.the federal government and the local government may have different rulings concerning the legal status of gay marriage.B.the federal government has

32、a long history of interfering in the decisions concerning marriage issues on local levels.C.the federal government has never made a clear expression about their decision concerning gay marriage.D.if local government allows gay marriage then that marriage will also be recognized by the federal govern

33、ment.答案:A解析 推斷題。最后一段提到，婚姻一直是地方法律的管轄領域，國會宣稱，聯(lián)邦政府不承認同性婚姻，但不會把這一決定強加給各州。這說明，聯(lián)邦政府和地方政府都可以對同性婚姻做出自己的決定。A項“聯(lián)邦政府和地方政府可能對同性婚姻的法律地位問題做出不同的規(guī)定”與此意符合，為正確答案。B項、C項與原文不符；D項原文未提。 Lets not mince words: college can be tough. According to a 2007 study by the American College Health Association, 43 percent of students

34、reported having felt so depressed it was difficult to function at least once in the prior year. Other studies, based on student surveys, suggest that one in five undergraduates reported having an eating disorder, one in six had deliberately cut or burned themselves and one in ten had considered suic

35、ide. Given those numbers, its deeply troubling that in 2007 just 8.5 percent of students used their colleges counseling services. In other words, students were more likely to consider killing themselves than to seek help. Students feel more afraid to discuss mental-health problems. They think theyll

36、 be labeled as the crazy kid wholl shoot up the school. Counselors say that while they do keep an eye out for students who might pose a risk to others, the overwhelming majority of their patients are no threat to anyone but themselves.Counseling services must look for new ways to reach out to troubl

37、ed students and let them know that seeking treatment is a strong, smart thing. At Harvard, students can win iPods for attending mental-health screening sessions and are invited to pajama party panels, where flannel-clad counselors dispense milk and cookies along with advice about the importance of s

38、leep.Theres still a high level of stigma, says Richard Kadison, head of Harvards mental-health services. Were trying to find creative ways of getting the message out. Many campuses also offer online services allowing students to complete informal diagnostic quizzes away from the prying eyes of their

39、 peers. The results are confidential, but can help nudge students toward counseling services. Besides, many colleges encourage parents to pitch in, whether by watching out for warning signs or by coaxing their kids to seek help. Philadelphia University now issues students relatives with a calendar h

40、ighlighting the toughest times of the year for freshmen, while the University of Minnesota offers online workshops, where parents can learn about conditions such as anxiety and Aspergers syndrome. Still, students and counselors agree that the most effective outreach programs are those led by student

41、s themselves.Its different when you hear something from another student, says Semmie Kim,a neuroscience major who founded MITs chapter of Active Minds in 2007. Shes held events like a bubble-wrap stomp to help students vent pre-exam stress, but says her groups most important role is to provide troub

42、led peers with a sympathetic ear.We want to make students realize theyre not alone, she says. College will always be tough, but theres no need to suffer in silence. 6. The statement College can be tough (Para. 1) is used to introduce _.A.the severity of mental illnesses at college.B.the fierce compe

43、tition of earning scholarships.C.the feeble relations between teachers and students.D.the anxiety of coping with all kinds of examinations.答案:A解析 含義題。根據(jù)題干定位到第一段。作者在首句提到大學生活壓力大。提出這一點之后，作者引用了美國大學健康協(xié)會2007年的調(diào)查數(shù)據(jù)；在該段末句，作者又用舉例的方式引出本文的主題；在大學生活壓力較大的情況下，大學生的心理問題日趨嚴重，故A項正確。7. According to Para. 2, few trouble

44、d students turn to counselors for help because they _.A.will be asked to leave school.B.will receive many screening tests.C.are afraid to be laughed at by peers.D.will pay more for counseling services.答案:C解析 細節(jié)題。根據(jù)題干定位到第二段。該段前兩句提到只有少數(shù)學生接受了大學心理健康咨詢服務，他們寧愿考慮自殺也不愿尋求幫助。接下來作者指出學生們不敢談論心理健康問題，是因為他們擔心如果進行咨詢，別