中國(guó)建設(shè)銀行綜合類招聘筆試試題

---萬(wàn)戶，增長(zhǎng)8.01％。2001年底，民營(yíng)企業(yè)的從業(yè)人員為2713.86萬(wàn)人，比上年同期增加307.87萬(wàn)人，增長(zhǎng)12.77％，其中投資者人數(shù)460.83萬(wàn)人，增加65.49萬(wàn)人，增長(zhǎng)16.56％，雇工人數(shù)2253.03萬(wàn)人，增加241.88萬(wàn)人，增長(zhǎng)12.03％。注冊(cè)資本18212.24億元，比上年同期增加．4904.55億元，增長(zhǎng)36.86％。2001年，新開業(yè)民營(yíng)企業(yè)達(dá)52.94萬(wàn)戶，比上年同期增加8.12萬(wàn)戶，增長(zhǎng)18.12％；從業(yè)人員622.47萬(wàn)人，比上年同期增加71.63萬(wàn)人，增長(zhǎng)13％，其中投資者人數(shù)118.56萬(wàn)人，增長(zhǎng)10.66％，雇工人數(shù)503．91萬(wàn)人，增長(zhǎng)13.57％；注冊(cè)資金4796.90億元，比上年同期增加1338．82億元，增長(zhǎng)38.72％。從各省份看，民營(yíng)企業(yè)戶數(shù)最多的是江蘇省22.55萬(wàn)戶，其次是廣東省21.1萬(wàn)戶，浙江省20.88萬(wàn)戶，上海市17.64萬(wàn)戶，山東省14.47萬(wàn)戶，北京市12.41萬(wàn)戶，以上6省市共有109.05萬(wàn)戶，占民營(yíng)企業(yè)總戶數(shù)的53.76％。從地區(qū)分布情況看，東部地區(qū)共有民營(yíng)企業(yè)138.79萬(wàn)戶，占民營(yíng)企業(yè)總戶數(shù)的68.42％，比上年減少0.04個(gè)百分點(diǎn)；中部地區(qū)民營(yíng)企業(yè)36.02萬(wàn)戶，占民營(yíng)企業(yè)總戶數(shù)的17.76％，比上年減少0.38個(gè)百分點(diǎn)；西部地區(qū)民營(yíng)企業(yè)28.05萬(wàn)戶，占民營(yíng)企業(yè)總戶數(shù)的13.83％，比上年增加0.42個(gè)百分點(diǎn)。2001年，中國(guó)民營(yíng)企業(yè)共創(chuàng)產(chǎn)值12816.99億元，比上年同期增加1577.21億元，增長(zhǎng)14.69％；實(shí)現(xiàn)銷售總額11484.24億元，比上年增加1600.18億元，增長(zhǎng)16.19Z；社會(huì)消費(fèi)品零售額6245億元，比上年增加431.52億元，增長(zhǎng)7.42％。從資本占用、從業(yè)人數(shù)和產(chǎn)出總量等方面來看，私營(yíng)個(gè)體經(jīng)濟(jì)在國(guó)民經(jīng)濟(jì)中的份額大體在10—20％之間，已經(jīng)成為國(guó)民經(jīng)濟(jì)中一個(gè)不可忽視的重要組成部分。6.2001年底，我國(guó)民營(yíng)企業(yè)的總戶數(shù)約比2000年底增長(zhǎng)了（）。A．15.14％B．13.15％C．18.97％D.20.16％2000年開業(yè)的民營(yíng)企業(yè)吸收的雇工人數(shù)約為（）。A.443.7萬(wàn)人B.492.6萬(wàn)人C.503.9萬(wàn)人D.522.4萬(wàn)人2001年底，我國(guó)民營(yíng)企業(yè)戶數(shù)超過20萬(wàn)戶的省份有（）。A.2個(gè)B.3個(gè)C.4個(gè)D.5個(gè)已知1989年中國(guó)民營(yíng)企業(yè)的平均注冊(cè)資本為9萬(wàn)元，則可知截止2001年底，中國(guó)民營(yíng)企業(yè)的平均注冊(cè)資本約為1989年的（）。A.5倍B.10倍C.15倍D.20倍根據(jù)上述資料，下列說法不正確的是（）。A.2000年底，我國(guó)民營(yíng)企業(yè)的投資者人數(shù)約為：395.34萬(wàn)人B.廣東、浙江兩省的民營(yíng)企業(yè)戶數(shù)已超過全國(guó)民營(yíng)企業(yè)總數(shù)的五分之一2001年底東部地區(qū)的民營(yíng)企業(yè)戶數(shù)與2000年底相比略有下降2000年，我國(guó)民營(yíng)企業(yè)實(shí)現(xiàn)的銷售總額不足10000億元六、英語(yǔ)能力考核資料1：Whilestillinitsearlystages,welfarereformhasalreadybeenjudgedagreatsuccessinmanystates—atleastingettingpeopleoffwelfare.It’sestimatedthatmorethan2millionpeoplehavelefttherollssince1994.Inthepastfouryears,welfarerollsinAthensCountryhavebeencutinhalf.But70percentofthepeoplewholeftinthepasttwoyearstookjobsthatpaidlessthan$6anhour.Theresult:TheAthensCountypovertyratestillremainsatmorethan30percent—twicethenationalaverage.Foradvocates（代言人）forthepoor,that'sanindicationmuchmoreneedstobedone.“Morepeoplearegettingjobs,butit’snotmakingtheirlivesanybetter,”saysKathyLairn,apolicyanalystattheCenteronBudgetandPolicyPrioritiesinWashington.AcenteranalysisofUSCensusdatanationwidefoundthatbetween1995and1996,agreaterpercentageofsingle,female-headedhouseholdswereearningmoneyontheirown,butthataverageincomeforthesehouseholdsactuallywentdown.Butformany,thefactthatpoorpeopleareabletosupportthemselvesalmostaswellwithoutgovernmentaidastheydidwithitisinitselfahugevictory.“Welfarewasapoison.Itwasatoxin（毒素）thatwaspoisoningthefamily,”saysRobertRector,awelfare-reformpolicyanalyst.“Thereforminchangingthemoralclimateinlow-incomecommunities.It’sbeginningtorebuildtheworkethic（道德觀），whichismuchmoreimportant.”Mr.Rectorandothersarguedthatonce“thehabitofdependencyiscracked,”thenthecountrycanmakeotherpolicychangesaimedatimprovinglivingstandards.Fromthepassage,itcanbeseenthattheauthor.believesthereformhasreducedthegovernment’sburdeninsiststhatwelfarereformisdoinglittlegoodforthepoorisoverenthusiasticaboutthesuccessofwelfarereformconsiderswelfarereformtobefundamentallysuccessfulWhyaren’tpeopleenjoyingbetterliveswhentheyhavejobs?Becausemanyfamiliesaredivorced.Becausegovernmentaidisnowrare.Becausetheirwagesarelow.Becausethecostoflivingisrising.WhatisworthnotingfromtheexampleofAthensCountyisthat.greatereffortsshouldbemadetoimprovepeople’slivingstandards70percentofthepeopletherehavebeenemployedfortwoyears50percentofthepopulationnolongerreliesonwelfarethelivingstandardsofmostpeoplearegoingdownFromthepassageweknowthatwelfarereformaimsat.savingwelfarefundsrebuildingtheworkethicprovidingmorejobscuttinggovernmentexpensesAccordingtothepassagebeforethewelfarereformwascarriedout,.thepovertyratewasloveraveragelivingstandardswerehighertheaverageworkerwaspaidhigherwagesthepoorusedtorelyongovernmentaid資料2：Humanityusesalittlelessthanhalfthewateravailableworldwide.Yetoccurrencesofshortagesanddroughts（干旱）arecausingfamineanddistressinsomeareas,andindustrialandagriculturalby-productsarepollutingwatersupplies.Sincetheworld’populationisexpectedtodoubleinthenext50years,manyexpertsthinkweareontheedgeofawidespreadwatercrisis.Butthatdoesn’thavetobetheoutcome.Watershortagesdonothavetotroubletheworld—ifwestartvaluingwatermorethanwehaveinthepast.Justaswebegantoappreciatepetroleummoreafterthe1970soilcrises,todaywemuststartlookingatwaterfromafresheconomicperspective.Wecannolongeraffordtoconsiderwateravirtuallyfreeresourceofwhichwecanuseasmuchaswelikeinanywaywewant.Instead,forallusesexceptthedomesticdemandofthepoor,governmentsshouldpricewatertoreflectitsactualvalue.Thismeanschargingafeeforthewateritselfaswellasforthesupplycosts.Governmentsshouldalsoprotectthisresourcebyprovidingwaterinmoreeconomicallyandenvironmentallysoundways.Forexample.oftenthecheapestwaytoprovideirrigation（灌溉）waterinthedrytropicsisthroughsmall-scaleprojects,suchasgatheringrainfallindepressions（凹地）andpumpingittonearbycropland.Nomatterwhatstepsgovernmentstaketoprovidewatermoreefficiently,theymustchangetheirinstitutionalandlegalapproachestowatersue.Ratherthanspreadcontrolamonghundredsoreventhousandsoflocal,regional,andnationalagenciesthatwatchvariousaspectsofwateruse,countriesshouldsetupcentralauthoritiestocoordinatewaterpolicy.Whatistherealcauseofthepotentialwatercrisis?Theworldpopulationisincreasingfasterandfaster.Halfoftheworld’swaterresourceshavebeenseriouslypolluted.Humanityhasnotplacedsufficientvalueonwaterresources.Onlyhalfoftheworld’swatercanbeused.Asindicatedinthepassage,thewaterproblem.hasbeenexaggeratedbysomeexpertsinthefieldisunderestimatedbygovernmentorganizationsatdifferentlevelsposesachallengetothetechnologyofbuildingreservoirsisalreadyseriousincertainpartsoftheworldAccordingtotheauthor,thewaterpriceshould.correspondtoitsrealvaluebereducedtotheminimumstimulatedomesticdemandtakeintoaccounttheoccurrencesofdroughtsTheauthorsaysthatinsomehotanddryareasitisadvisableto.buildbiglakestostorewaterconstructbigpumpingstationschannelwaterfromnearbyriverstocroplandbuildsmallandcheapirrigationsystemsInordertoraisetheefficiencyofthewatersupply,measuresshouldbetakento.centralizethemanagementofwaterresourcesincreasethesenseofresponsibilityofagenciesatalllevelsguaranteefullprotectionoftheenvironmentencouragelocalandregionalcontrolofwaterresources資料3PresidentArlinghasputhislong-awaitedeconomicrestructuringprogrambeforetheCongress.Itprovidesacoordinatedprogramofinvestmentcredits,researchgrants,educationalreforms,andtaxchangesdesignedtomakeAmericanindustrymorecompetitive.Thisisnecessarytoreversetheeconomicslideintounemployment,lackofgrowth,andtradedeficitsthathaveplaguedtheeconomyforthepastsixyears.ThemostliberalwingofthePresident'spartyhascalledforstrongerandmoredirectaction.TheywantanincomespolicytocheckinflationwhileFederalfinancinghelpsrebuildindustrybehindawallofprotectivetariffs.TheRepublicans,however,decryeventhemodest,graduatedtaxincreasesinthePresident'sprogram.TheyWanttaxcutsandamoreopenmarket.TheysayifFederalmoneyhastobeinjectedintotheeconomy,letitthroughdefencespending.Boththesealternativesignoretheuniquenatureoftheeconomicproblembeforeus.Itisnotsimplyamatterofmarketsorfinancing.Thenewtechnologyallowsvastlyincreasedproductionforthoseabletomasterit.Butitalsothreatensthosewhofailtoadoptitwithpermanentsecond-classcitizenshipintheworldeconomy.Ifanindustrycannotleveritselfuptotheleadingstageoftechnologicaladvances,thenitwillnotbeabletocompeteeffectively.Ifitcannotdothis,noamountofgovernmentprotectionismoraccesstoforeignmarketscankeepitprofitableforlong.Withouttheprofitsandexperienceoftechnologicalexcellencetoreinvest,thatindustrycanonlyfallstillfurtherbehinditsforeigncompetitors.SothecruxisthetechnologyandthatiswherethePresident'sprogramfocused.Thedangerisnotthataplanwillnotbepassed,itisthattheideologuesofrightandleftwilldistortthebillwithamendmentsthatwillbluritsfocusontechnology.Theeconomicrestructuringplanshouldbepassedintact.Ifwefailtorestructureoureconomynow,wemaynotgetasecondchance.ThefocusofthePresident'sprogramison.A.investmentB.economyC.technologyD.taxWhatistherequirementofthemostliberalwingoftheDemocraticParty?Theywantamoredirectaction.Theywantanincomespolicytocheckinflation.Theywanttorebuildindustry.Theywantawallofprotectivetariffs.Whatistheeditor'sattitude?A.Support.B.Distaste.C.Disapproval.D.Compromise.Thedangertotheplanliesin.thetwoparties'objectiondifferentideasofthetwopartiesabouttheplanitspassagedistortionThepassageis.A.areviewB.aprefaceC.anadvertisementD.aneditorial資料4：HenryFord,thefamousU.S.inventorandcarmanufacturer,oncesaid,‘ThebusinessofAmericaisbusiness.”BythishemeantthattheU.S.wayoflifeisbasedonthevaluesofthebusinessworld.FewwouldarguewithFord’sstatement.AbriefglimpseatadailynewspapervividlyshowshowmuchpeopleintheUnitedStatesthinkaboutbusiness.Forexample,nearlyeverynewspaperhasabusinesssection,inwhichthedealsandprojects,financesandmanagement,stockpricesandlaborproblemsofcorporationsarereporteddaily.Inaddition,businessnewscanappearineveryothersection.Mostnationalnewshasanimportantfinancialaspecttoit.Welfare,foreignaid,thefederalbudget,andthepoliciesoftheFederalReserveBankareallheavilyaffectedbybusiness.Moreover,businessnewsappearsinsomeoftheunlikeliestplaces.Theworldofartsandentertainmentisoftenreferredtoas“theentertainmentindustry”or“showbusiness.”ThepositivesideofHenryFord’sstatementcanbeseenintheprosperitythatbusinesshasbroughttoU.S.life.OneofthemostimportantreasonssomanypeoplefromallovertheworldcometoliveintheUnitedStatesisthedreamofabetterjob.Jobsareproducedinabundance（大量地）becausetheU.S.economicsystemisdrivenbycompetition.Peoplebelievethatthissystemcreatesmorewealth,morejobs,andamateriallybetterwayoflife.ThenegativesideofHenryFord’sstatement,however,canbeseenwhenthewordbusinessistakentomeanbigbusiness.Andthetermbigbusiness—referringtothebiggestcompanies,isseeninoppositiontolabor.ThroughoutU.S.historyworkingpeoplehavehadtofighthardforhigherwages,betterworkingconditions,andtherighttoformunions.Today,manyoftheoldlabordisputesareover,butthereisstillsomeemployeeanxiety.Downsizing—thelayingoffofthousandsofworkerstokeepexpenseslowandprofitshigh--createsfeelingsofinsecurityformany.TheUnitedStatesisatypicalcountry.whichencouragesfreetradeathomesandabroadwherepeople’schiefconcernishowtomakemoneywhereallbusinessesaremanagedscientificallywhichnormallyworksaccordingtothefederalbudgetTheinfluenceofbusinessintheU.S.isevidencedbythefactthat.mostnewspapersarerunbybigbusinessesevenpublicorganizationsconcentrateonworkingforprofitsAmericansofallprofessionsknowhowtodobusinessevenartsandentertainmentareregardedasbusinessAccordingtothepassage,immigrantschoosetosettleintheU.S.,dreamingthat.theycanstartprofitablebusinessestheretheycanbemorecompetitiveinbusinesstheywillmakeafortuneovernighttheretheywillfindbetterchancesofemploymentHenryFord’sstatementscanbetakennegativelybecause.workingpeoplearediscouragedtofightfortheirrightstherearemanyindustriescontrolledbyafewbigcapitaliststhereisaconflictingrelationshipbetweenbigcorporationsandlaborpublicservicesarenotrunbythefederalgovernmentAcompany’seffortstokeepexpenseslowandprofitshighmayresultin.reductioninthenumberofemployeesimprovementofworkingconditionsfewerdisputesbetweenlaborandmanagementariseinworkers’wages七、專業(yè)知識(shí)考核題（不定向選擇）1．（）是指不論借貸期限的長(zhǎng)短，僅按本金計(jì)算利息，上期本金所產(chǎn)生的利息不計(jì)入下期本金重復(fù)計(jì)算利息。A.單利B.復(fù)制C.單利與復(fù)利結(jié)合D.利滾利市場(chǎng)上需要某種產(chǎn)品的人數(shù)和該產(chǎn)品人均需求量的乘積即是市場(chǎng)上該產(chǎn)品的（）。A.總需求B.有效需求C.無效需求D.潛在需求具有維護(hù)國(guó)家主權(quán)、保護(hù)民族經(jīng)濟(jì)、促進(jìn)對(duì)外貿(mào)易發(fā)展功能的稅種是（）。A.營(yíng)業(yè)稅B.增值稅C.關(guān)稅D.房產(chǎn)稅以經(jīng)濟(jì)活動(dòng)中書立、領(lǐng)受的憑證為征稅對(duì)象的稅種是（）。A.營(yíng)業(yè)稅B.關(guān)稅C.企業(yè)所得稅D.印花稅6．我國(guó)第一家中國(guó)人自辦的銀行為（）。A.麗如銀行B.交通銀行C.北海銀行D.中國(guó)通商銀行貨幣制度最基本的內(nèi)容是規(guī)定（）。A.貨幣材料B.貨幣名稱C.貨幣單位D.價(jià)格標(biāo)準(zhǔn)根據(jù)《中華人民共和國(guó)民事訴訟法》的規(guī)定，下列關(guān)于公示催告程序的表述中，正確的是（）。公示催告期間最短不得少于90日在公示催告期間，轉(zhuǎn)讓票據(jù)權(quán)利的行為無效公示催告案件由票據(jù)持有人所在地的基層人民法院管轄公示催告申請(qǐng)人申請(qǐng)人民法院做出除權(quán)判決的，應(yīng)自申報(bào)權(quán)利期間屆滿的次日起1年內(nèi)提出《中華人民共和國(guó)合同法》采用的違約責(zé)任的歸責(zé)原則是（）。A.嚴(yán)格責(zé)任原則B.經(jīng)濟(jì)合理原則C.誠(chéng)實(shí)信用原則D.全面履行原則TOC\o"1-5"\h\z無差異曲線為直角形狀時(shí)，表示兩種商品是（）。A.互不相關(guān)的關(guān)系B.完全替代的關(guān)系C.部分替代的關(guān)系D.完全互補(bǔ)的關(guān)系根據(jù)《中華人民共和國(guó)民