2023年銀行招聘《銀行招聘綜合知識》重點考試題庫點睛提升題

地區(qū):_________________編號:_________________姓名:_________________學校:_________________ 密封線 地區(qū):_________________編號:_________________姓名:_________________學校:_________________ 密封線 密封線 2023年銀行招聘綜合知識題庫題號一二三四五六閱卷人總分得分注意事項:1.全卷采用機器閱卷，請考生注意書寫規(guī)范；考試時間為120分鐘。2.在作答前，考生請將自己的學校、姓名、地區(qū)、準考證號涂寫在試卷和答題卡規(guī)定位置。

3.部分必須使用2B鉛筆填涂;非選擇題部分必須使用黑色簽字筆書寫，字體工整，筆跡清楚。

4.請按照題號在答題卡上與題目對應的答題區(qū)域內規(guī)范作答，超出答題區(qū)域書寫的答案無效:在草稿紙、試卷上答題無效。A卷（第I卷）第I卷（考試時間:120分鐘）一、單選題1、某公司擬進行一項固定資產投資決策．設定折現率為10％，有四個方案可供選擇：其中：甲方案的凈現值率為-12％；乙方案的內部收益率為9％；丙方案的項目計算期為10年．凈現值為960萬元，(P／A，10％，10)--6．1446；丁方案的項目計算期為11年，年等額凈回收額為136．23萬元。最優(yōu)的投資方案是（）。A.甲方案B.乙方案C.丙方案D.丁方案答案：C本題解析：甲方案凈現值<0，乙方案內部收益率136．23萬元(丁方案的年等額凈回收額)，所以丙方案最優(yōu)。2、資料：FASTcarswhizzaround，mallsarefullofexpensiveluxuriesandcranesdominatetheskyline.ButscratchtheshimmeringsurfaceoftheGulfandyousoonfindcountrieshurtingfromthelowoilprice，currentlyaround$40abarrel.Growthisslowingandunemploymentisrising.Policymakersevendareutterathree-letter“t”worduntilrecentlytaboo：tax.OiliscentraltothesixGulfCo-operationCouncil（GCC）states，whichhaveusedthewindfallofthepastfewyearstospendlavishly.Unlikemanyoilexporters，suchasNigeriaandVenezuela，theyhavehighforeign-exchangereservesandlowdebtstocovershort-termgaps.Butpublicspendingisgenerousandtheprivatesectorisheavilyreliantonoiltoboot.Tobesustainableinaneraoflowerprices.therulersmustchangethestructureoftheireconomies.TheIMFreckonstheloweroilpriceknocked$340billionoffAraboil-exportingstates’governmentrevenuesin2015.Thisyearislookingworse.Moody’s，aratingsagency，thismonthdowngradedBahrainandOmanandputonwatchtheotherfourGCCstates：SaudiArabia，Kuwait，theUnitedArabEmirates（UAE）andQatar.“It’stheendofanerafortheGulf，”saysRazanNasserofHSBCinDubai.“Andwe’reonlyjuststartingtoseetheeffects.”O(jiān)ilreceiptstypicallyaccountformorethan80%ofGCCgovernmentrevenues，risingtoover90%ofSaudiArabia’sbudgetbeforethecrisis.Dubai，oneoftheemiratesmakinguptheUAE，isanexception，withoilaccountingforonly5%ofrevenues.Thatisbecauseithassuccessfullydiversifiedtourismandservicesaccountformostofitsgovernmentrevenues.Governmentsarereactingtothesqueezeontheirincomeswithamixtureofstrategies，drawingdownreservesandtakingondebtontheonehand，andimposingspendingcutsontheother.Lastyeartheymadetweaks，suchascurbingbenefitsforpublicservants.Thisyearwillbetougher.Omanhastoldallstate-ownedenterprisestoremoveperkssuchascars.QataricompaniesincludingAlJazeeraandtheQatarFoundation，aculturalorganization，havelaidoffemployees.Withsuchtweaks,Kuwait，theUAEandQatar，whichhavesmallpopulationsandhighforeignexchangereserves，cangetbyforadecade.Whatistheauthorimplyingbylastsentence？A.Kuwait，QatarandUAEwillfacetoughersituationthanotherpeersB.QatarandUAE’seconomywillbebetterthanthatofKuwaitC.LifeforSaudiArabia，OmanandBahrainwillonlybetougherD.AllGCCstateswillhardlysolvethehardproblem答案：C本題解析：本題考查的是推理判斷?！娟P鍵詞】implying；lastsentence【主題句】最后1自然段Withsuchtweaks，Kuwait，theUAEandQatar，whichhavesmallpopulationsandhighforeignexchangereserves，cangetbyforadecade.通過此番調整，人口少、外匯儲備高的科威特、阿聯(lián)酋和卡塔爾，可以挺上十年?！窘馕觥勘绢}的問題是“根據上下文，可以推斷出什么？”A選項“科威特、卡塔爾和阿聯(lián)酋將面臨比其他同行更加嚴峻的形勢”；B選項“卡塔爾和阿聯(lián)酋的經濟將優(yōu)于科威特”；C選項“沙特阿拉伯，阿曼和巴林的生活只會更加艱難”；D選項“所有海灣合作委員會國家都難以解決這個難題”。根據主題句，作者認為科威特、阿聯(lián)酋和卡塔爾本身具備人口和外匯儲備的紅利，因此對未來十年發(fā)展持樂觀態(tài)度，言下之意，其他海灣合作委員會國家處境就相對艱難，故A、D選項錯誤，C選項正確；主題句中未對這三個國家進行比較，屬于盲目聯(lián)系，B選項錯誤，故選C。3、通常我們講的國際間的貨幣可兌換指的是（）。A.經常項目可兌換B.資本項目可兌換C.金融項目可兌換D.平衡賬戶可兌換答案：A本題解析：一國或某一貨幣區(qū)的居民可以在部分國際收支項目下，自由地將本國貨幣與外國貨幣相兌換。通常指經常項目可兌換，國際貨幣基金組織認為的貨幣可兌換主要也是指經常項目可兌換。故A選項正確；資本和金融項目可兌換亦稱“資本可兌換”。一種貨幣不僅在國際收支經常性往來中可以自由兌換成其他貨幣，而且在資本項目上也可以自由兌換。這意味著一國取消對一切外匯收支的管制，通常這種情況各國是不允許發(fā)生的，故BC選項錯誤；平衡賬戶屬于為了平衡國際貿易收支不平衡人為設立的賬戶，不存在平衡賬戶可兌換說法，故D選項錯誤；所以答案選A。4、人民法院對非訴案件的審査標準是（）。A.被申請執(zhí)行的具體行政行為是否違法B.被申請執(zhí)行的具體行政行為是否明顯違法C.被申請執(zhí)行的具體行政行為是否會損害被執(zhí)行人的合法權益D.被申請執(zhí)行的具體行政行為是否明顯違法且損害被執(zhí)行人的合法權益答案：D本題解析：人民法院對于非訴行政案件申請執(zhí)行的審查標準是被申請執(zhí)行的具體行政行為是否“明顯違法并損害被執(zhí)行人的合法權益”。5、Swimmingisanall-bodyworkout。It______smallmusclegroupsthatoftengetignoredinotherworkouts。A.helpsB.keepsC.healsD.works答案：D本題解析：本題考查動詞詞義辨析。題目意為“游泳是一項全身運動。它適用于在其他運動中經常被忽視的小肌肉群。”A選項“幫助，改善”，B選項“保持，經營”，C選項“治愈，和解”，D選項“適用于”。根據句義，D選項符合題意。6、關于離岸金融市場的說法中，不正確的是（）。A.與各國國內金融市場相對獨立B.交易貨幣一般是市場所在國發(fā)行的C.交易雙方一般都是市場所在地的非居民D.基本上不受任何一國國內政策法令的管制答案：B本題解析：離岸金融市場又稱境外市場，主要是為非居民提供境外貨幣借貸投資、結算等金融業(yè)務和交易服務的國際金融市場。交易特點可以概括為：交易以非居民為主，市場獨立．不受任何一國政策法令限制，交易的是境外貨幣(市場發(fā)行國以外的貨幣)。7、2008年全球金融危機爆發(fā)以來，世界主要國家央行開始采取特殊貨幣政策，美國在利率水平已經接近紀錄最低時，推出了一系列非常規(guī)貨幣政策，包括為了支持銀行貸款的長期流動性供給，為壓低長期利率的資產購買計劃等，除美國以外，美國、日本和歐洲銀行也采取了非常規(guī)貨幣政策。IMF于2013年5月16日發(fā)布了《非常規(guī)貨幣政策：最近經驗與前景》報告，報告稱發(fā)達國家的非常規(guī)貨幣政策在很大程度上幫助實現了該國政策目標，諸如持續(xù)兩年左右的購買國債計劃幫助美國和英國的GDP增速提升了約2個百分點，然而，發(fā)達國家的這些政策對世界其他國家也造成了很大的影響，大量資本流入拉丁美洲和亞洲，導致新興市場的匯率過度升值和波動。當利率下降到足夠低時，（）會趨于無限大。A.匯率B.投機性貨幣需求C.貨幣供給D.物價答案：B本題解析：根據凱恩斯流動性陷阱，當利率極低時，債券的價格極高，未來回落的可能性增大，人們會賣出債券，持有流動性強的貨幣，此時投機性貨幣需求無窮大，故B項正確，ACD錯誤。因此，選擇B選項。8、資料：Earlierthismonth,presidentsBarackObamaoftheUSandXiJinpingofChinamadeanimportantsymbolicgesturewhentheycommittedtheircountries,thetwolargestgreenhousegasemitters,totheParisclimateagreement.Itwastheclearestsignalyettoinvestorsworldwidethattheyneedtothinkabouttheimplicationsofglobalwarmingfortheirportfolios.OnFridayafternoontherewasanexampleofwhatthatmightmeanMrObama’sadministrationissuedanordertemporarilyblockingconstructiononasectionoftheDakotaAccessoilpipeline.ThemovewasaresponsetolocalconcernsraisedbytheStandingRockSiouxTribeaboutpotentialdamagetohistoricsitesandthethreatsofoilspills.ButitistheglobalissueofclimatechangethathadraisedtheprofileofDakotaAccess,makingitintoacausecelebreforUSenvironmentalcampaigners.BillMcK,whichplayedakeyroleinthesuccessfulefforttostoptheKeystoneXLpipelinefromCanada,hassuggestedthatMrObamacouldblockDakotaAccesspermanently,onthegroundsthatitwouldexacerbatethethreatofclimatechange.Lastmonth,theWhiteHouse’sCouncilonEnvironmentalQualityissuednewguidanceforfederalagencies,makingclearthattheirdecisionsshouldtakeintoaccount“thepotentialeffectsofaproposedactiononclimatechange”,andquantifytheirconsequencesforgreenhousegasemissions.DakotaAccessisintendedtocarrycrudeoil1,172milesfromNorthDakota,acentreoftheUSshalerevolution,toIllinois,enroutetorefineriesaroundAmerica.ThecasethatitwouldaddtoglobalgreenhousegasemissionwillbehardertomakethanforKeystoneXL,whichwouldhavebroughtcrudefromthehigh-emittingoilsandsofwesternCanada,butthecampaignersarecertaintotry.IfDakotaAccessisstopped,itwillhaveasignificantimpactnotjustonenergyTransferPartners,thecompanyleadingtheproject,butonallNorthDakotaoilproducersandtheircustomers,whowillbeforcedtousemoreexpensiverailtransport.Climatechangeisnowanunavoidablebusinessissue.Inanexcellentpaperlastweek,BlackRock,theworld’slargestfundmanager,setoutsomeofthewaysthatinvestorscanreducetheirexposuretotherisksandbenefitfromtheopportunitiesthatitcreates.Thepaperisalandmarkintherisingawarenessoftheissueamongmainstreaminvestors.Itisonethingwhenaphilanthropicfundwithassetsofafewhundredmilliontakesastandonclimateissues,quiteanotherwhenthewarningscomefromacompanywithabout$4.9tnundermanagement.AsBlackRockpointsout,investors’personalviewsonclimatescienceareirrelevant.Enoughgovernmentsandbusinessesareconvincedbythescientificconsensusthatthethreatisreal,andaredrivingregulatoryandtechnologicalchangesthatinterestedinyou.六Iftheworldistoreducetheriskofcatastrophicglobalwarmingtoacceptablelevels,therewillhavetobeahugereallocationofcapitalawayfromfossilfuelsandtowardlow-emissionenergysources.Thatshifthasbegun,butitneedstogomuchfurther.Thetransitionisnotstraightforward:foraslongasoilisthelifebloodoftheworld’stransport,pipelineswillbeneeded.ButwheninvestorsandboardsmakedecisionsaboutprojectslikeDakotaAccess,theywillhavetoconsidertheirimpactongreenhousegasemissions.Thefinancialconsequencesofclimatechangecannolongerbeignored.IfDakotaAccessisblockedpermanently,whowillbeimpactedexcept().A.ThecompaniesthatcarryouttheprojectB.EnvironmentalcampaignersC.NorthDakotaoilproducersD.Consumers答案：B本題解析：本題考查的是細節(jié)理解?！娟P鍵詞】DakotaAccess;blockedpermanently;impacted;except【主題句】第四段IfDakotaAccessisstopped,itwillhaveasignificantimpactnotjustonenergyTransferPartners,thecompanyleadingtheproject,butonallNorthDakotaoilproducersandtheircustomers,whowillbeforcedtousemoreexpensiverailtransport.如果達科他項目被全面叫停，不僅會對項目牽頭公司EnergyTransferPartners產生重大影響，還會對北達科他州的石油生產商及它們的客戶產生影響，他們將被迫采用成本更高的鐵路運輸方式?！窘馕觥勘绢}問“如果達科他管道被停用，除了（）都會被影響到？”。選項A意為“執(zhí)行該項目的公司”；選項B意為“環(huán)境活動家”；選項C意為“北達科他州的石油生產國”；選項D意為“消費者”。根據主題句可知受影響的有負責此次項目的公司，石油生產商和客戶。選項B并未提及。9、把下面的六個圖形分為兩類，使每一類圖形都有各自的共同特征或規(guī)律，分類正確的一項是（）。A.①②⑤，③④⑥B.①④⑥，②③⑤C.①③④，②⑤⑥D.①③⑤，②④⑥答案：B本題解析：②、③、⑤都是上下對稱圖形，①、④、⑥都是左右對稱圖形。因此，選擇B選項。10、一條隧道，甲單獨挖要20天完成，乙單獨挖要10天完成。如果甲先挖1天，然后乙接替甲挖1天，再有甲接替乙挖1天……兩人如此交替工作，挖完這條隧道共用多少天？A.14B.16C.15D.13答案：A本題解析：設總工程量為“1”，甲乙合作的效率為，則6個周期后工作，剩，由于第13天是甲挖，其工作效率為，故第13天不能挖完，需再挖一天，即14天。因此，選擇A選項。11、下列關于我國“四大名窟”的說法，錯誤的是（）A.四大名窟都是以中國佛教文化為特色的B.四大名窟都位于我國南北分界線以北C.四大名窟均始建于魏晉南北時期D.四大名窟分布于我國四個不同省份答案：D本題解析：本題考查文化常識。四大石窟指的是以中國佛教文化為特色的巨型石窟藝術景觀，包括：莫高窟（甘肅敦煌）、云岡石窟（山西大同）、龍門石窟（河南洛陽）、麥積山石窟（甘肅天水），是中國古代傳統(tǒng)文化藝術的歷史瑰寶。故A說法正確。南北分界線，秦嶺淮河一線，是我國傳統(tǒng)意義上南北方分界線，四大名窟都位于我國南北分界線以北，故B說法正確。敦煌莫高窟，俗稱千佛洞，坐落在河西走廊西端的敦煌。它始建于十六國的前秦時期，云岡石窟，位于山西省大同市西郊武州山南麓，始建于北魏時代，龍門石窟，位于中國中部河南省洛陽市南郊12.5公里處，龍門峽谷東西兩崖的峭壁間。麥積山石窟，中國四大石窟之一的麥積山石窟，因該山狀如堆積的麥垛而得名，位于天水東南約30公里山中。據文獻記載，后秦時開窟造像，創(chuàng)建佛寺，故C說法正確。敦煌莫高窟和麥積山石窟都位于甘肅省，D錯誤。故本題正確答案選D。12、劉強是某大型商場的總經理，近日通過調查發(fā)現：商場基層員工近期工作效率下滑、缺勤率上升、工作積極性下降，基層員工與客戶的不和諧事件也呈上升趨勢。員工普遍反映：工作枯燥乏味，沒有挑戰(zhàn)性與職業(yè)生涯規(guī)劃，無法有效施展自己的才能；溝通機會少，沒有有效的溝通平臺；大齡未婚員工人數日漸上升，員工的這些情況反映出在高層次需要沒有得到滿足時，對低層次的需要就會顯得更加渴望，這符合（）的觀點。A.奧爾德佛（ERG）理論B.赫茨伯格雙因素理論C.馬斯洛需求層次理論D.麥克里蘭三重需求理論答案：A本題解析：奧爾德佛ERG理論認為，生存、關系、成長這三個層次需要中任何一個的缺少，不僅會促使人們去追求該層次的需求，也會促使人們轉而追求高一層次的需要，還會使人進而更多的追求低一層次的需要。任何時候，人們追求需要的層次順序并不那么嚴格，優(yōu)勢需要也不一定那么突出，因而激勵措施可以多樣化，當較高層次需求受到挫折時，個體對低層次需求滿足的追求將越強烈。13、Iprefertotakeaplaneratherthan______atrain.A.tookB.takenC.takesD.take答案：D本題解析：本題考查prefer的用法。題目意為“與乘坐火車相比，我寧愿乘坐飛機?！眕refertodoratherthando，寧愿做某事而不愿做某事，所以選D。14、一般來講，在下列（）經濟背景條件下證券市場呈上升走勢最有利。A.持續(xù)、穩(wěn)定、高速的GDP增長B.高通脹下的GDP增長C.宏觀調控下的GDP減速增長D.轉折性的GDP變動答案：A本題解析：在持續(xù)、穩(wěn)定、高速的GDP增長情況下，社會總需求與總供給協(xié)調增長，經濟結構逐步合理，趨于平衡，經濟增長來源于需求刺激并使得閑置的或利用率不高的資源得以更充分的利用，從而表明經濟發(fā)展的勢頭良好，基于上述原因這時證券市場將呈現上升走勢。15、資料：Inasurvey,peoplewereaskedtochoosebetweentreatmentstosave600peoplefromdyingadisease.Participants,includingphysicians,wereaskedtochoosebetweenacertainoutcomethat200peoplewillbesavedandariskychoicewherethereisaone-thirdprobabilitythat600peoplewillbesavedandatwo-thirdsprobabilitythatnopeoplewillbesaved.Inasecondexample,thegroupwereaskedtochoosebetweenallowing400peopletodieoraone-thirdprobablythatnobodywilldieandtwo-thirdsprobabilitythat600peoplewilldie.Inbothexamples,thefirstchoiceshaveanidenticaloutcomeasdotheirsecondalternatives.Butfacedwithsuchagravechoicepeopledidnotspotthesimilarities.Inthefirstexamplepeopleoptedtosave200peopleoverthegambleoflosingpeopleandinthesecondexamplepeoplepreferredthegambleoverthecertainoutcomeofkilling400people.Whattheexperimentshowsisthatwordingcanhavepotentiallydangerousconsequences.Mostofpeopletendtofeellossesmuchmorestronglythanthepleasureofmakingacomparablegain.Inthesecondexample，morepeoplechoosetheoption（）？A.withaone-thirdprobabilitythatnobodywilldieB.withatwo-thirdsprobabilitythatnobodywillbesavedC.allowing400peopletodieD.that200peoplewillbesaved答案：A本題解析：本題考查的是細節(jié)理解。【關鍵詞】secondexample；morepeoplechoosetheoption【主題句】inthesecondexamplepeoplepreferredthegambleoverthecertainoutcomeofkilling400people.在第二個例子中，人們更傾向于冒險，而不是殺死400人的特定結果?！窘馕觥勘绢}的問題是“在第二個例子中，人們更傾向于哪個選擇？”。根據原文可知，選項B以及選項D為第二個例子中的措辭，故排除B、D。（Inasecondexample，thegroupwereaskedtochoosebetweenallowing400peopletodieoraone-thirdprobablythatnobodywilldieandtwo-thirdsprobabilitythat600peoplewilldie.）結合主題句，“inthesecondexamplepeoplepreferredthegambleoverthecertainoutcomeofkilling400people.在第二個例子中，人們更傾向于冒險，而不是殺死400人的特定結果。”故選A。16、In1959FrederickHerzbergdevelopedtheTwo-Factortheoryofmotivation.Hisresearchshowedthatcertainfactorswerethetruemotivatorsorsatisfiers.Hygienefactors,incontrast,createddissatisfactioniftheywereabsentorinadequate.Dissatisfactioncouldbepreventedbyimprovementsinhygienefactorsbuttheseimprovementswouldnotaloneprovidemotivation.Herzbergshowedthattotrulymotivateanemployeeabusinessneedstocreateconditionsthatmakehimorherfeelfulfilledintheworkplace.CCompanyaimstomotivateitsemployeesbothbypayingattentiontohygienefactorsandbyenablingsatisfiers.Forexample,itmotivatesandempowersitsemployeesbyappropriateandtimelycommunication,bydelegatingresponsibilityandinvolvingstaffindecisionmaking.Itholdsforumseveryyearinwhichstaffcanbepartofthediscussionsonpayrises.Thisshowsrecognitionoftheworkpeopledoandrewardsthem.Thestaffcaneveninfluencewhatfoodgoesontoitsrestaurantmenus.Employeesthusbecomemotivatedtomakechoicesthatwillincreasetheiruseoftherestaurants.WhatarethefactorsthatmaketheemployeesfeelmotivatedaftertheytakepartinthediscussionsonpayrisesA.WorkitselfandresponsibilityB.Relationshipwithco-workersandpromotionC.RecognitionandachievementD.Jobsecurityandgrowth答案：C本題解析：本題考查的是細節(jié)理解【關鍵詞】factors;motivated;takepartinthediscussionsonpayrises【主題句】Itholdsforumseveryyearinwhichstaffcanbepartofthediscussionsonpayrises.Thisshowsrecognitionoftheworkpeopledoandrewardsthem.每年都會舉行員工可以參與討論加薪的論壇。這展示了對員工工資的認同和回饋。。【解析】題目意為“什么因素使職員在參加提高工資討論后會很有動力？”，選項A意為“工作本身和責任感”，選項B意為“和同事的關系和提升”，選項C意為“認同感和成就”，選項D意為“工作保障和成長”。根據主題句，選項C符合題意。17、國家統(tǒng)計局18日公布，2020年，我國國內生產總值（GDP）首次突破（）大關，達101.5986萬億元，同比增長2.3%。A.60萬億元B.50萬億元C.100萬億元D.80萬億元答案：C本題解析：國家統(tǒng)計局2021年1月18日公布，2020年我國國內生產總值為101.5986萬億元，首次突破100萬億元。按可比價格計算，去年我國GDP同比增長2.3%。故本題正確答案選C。18、資料：Childrenbackatschool,nightsslowlystartingtodrawinandtheweathermorechangeable.Theseasonsareturningandafteraneerilycalmsummerforfinancialmarkets,there'sawhiffofuncertaintyintheair.Bondyieldsareupfromtheirlows,andtherelentlessmigrationofglobalcapitaltowardsanyasset,anywhere,withsomeyield,isslowing.Theconcernisthegrowingawarenessofcentralbanks'waningabilitytoboostgrowthwithever-lowerinterestratesandever-biggerpurchasesofassets.Thedebateaboutif,whenandhowslowlytheUSFederalReservewillraiseinterestdragson,butifdownwardpressureonglobalbondyieldsfromtheEuropeanCentralBank（ECB）andtheBankofJapan's（BOJ）largesseisdrawingtoaclose,that'sabiggermilestoneformarkets.Aworldofhigherbondyieldsisonewherethepressuretoseekyieldinexoticplacesisdiminished.It'salsoaworldwherethecapitalgainsthataccompaniedfallingyieldsbecomecapitallossesandinvestorsquestionthemeritofbondsovercash（orequities）.Thissearchforyieldinexoticplaceshas,sincetheendofJanuary,helpedtheBrazilianrealgainmorethan20%againsttheUSdollar,withtheRussianroublemanagingalmostasmuch.Thedollar,itself,hasfallenbackisby7.5%fallintrade-weightedterms,unwindingnearly40%ofthegainsithasseensincemind-2014.There'snoneedtopanicaboutbondyieldsrising,becauseraterisesinJapanortheEurozoneareyearsawayandtheFed'sstilltinkering.But10-yearyieldsonbothGermanandJapanesegovernmentbondyieldsfellbelowzeroforthefirsttimeinlateJune.Theyhavebeenedginghigherthroughthesummer.It'salmostasifinvestorsreallyaren'tthatkeenontyingmoneyupatnegativeyieldsforthatlong–whynotsticktocash?IntheUS,estimatesof"neutral"realinterestratesaretumblingtoaroundzero.Estimatesofhowmuchslackthereisleftinthelabourmarketarebeingrevisedupandafterfiveyearswhenproductivitygrowthhasaveragedameasly0.5%,there'swidespreadacceptancethatit'sunlikelytoacceleratebymagic.Butevenifwetakeallofthisintoaccount,marketsarenowpricinginanextraordinarilyslowpaceofratehikesbytheFed–fromtheircurrent0.25-0.5%range,toabout0.75%bytheendof2017andto1%bytheendof2018.GDPgrowthstilloscillatesaround2%,theFed'sfavouredmeasureofinflationisat1.6%andtheunemploymentrateistrendinglower.Thepricingofthefuturepathofshorttermratesseemstoolowevenforthe"newnormal"economicenvironment.AllofthesecurrencieshavegainedagainstthepoundandIcan'tseethatchanging.ToomuchimportanceshouldnotbeplacedoneitherthecollapseinconfidenceimmediatelyafterthevotetoleavetheEUorthesubsequentbounce.TheeconomicimpactofleavingtheEUwillbefeltthroughdelayedinvestmentdecisionsasaresultofuncertaintyaboutwhenandonwhattermsithappens.Adebilitatingratherthanacorrosiveimpactontheeconomywillbeseeninslower,butpositivegrowth.Itwillalsobefeltinfurther（slower）sterlingweakness.TheBankofEnglandhasalreadycutpolicyratesfrom0.5%to0.25%,andthere'smoretocomefromboththeBankandthepoundoverthenextyear.A5%fallfromherewouldtakethepoundcloseto€1.1,andwecouldseeitfallbelow$1.25astheFederalReserveedgesrateshigher.Accordingtothethepassagewhichofthefollowingsistrue?A.TheFederalreservemayraisesinterestratesinDecember（aftertheUSelection）topushtowardstheGDPgrowtharound2%B.TheFedthinksthatthecurrentinflationrateintheUnitesStatesremainbelow1.6%tohelpincreasetheemploymentrateC.AfterthevotetoleavetheEUallofthesecurrenciesmentionedhavegainedagainstthepoundandsuchtrendwillcontinueonD.There’swidespreadacceptanceintheUnitedStatesthatrealinterestratesarefallingtoaroundzerowiththerisingsluggishlabourmarketandabout0.5%ofproductivitygrowthbutvariouseconomicindicatorswillnotappearmiraculousacceleratedphenomenon答案：C本題解析：本題考查的是細節(jié)理解?！娟P鍵詞】true【主題句】AllofthesecurrencieshavegainedagainstthepoundandIcan‘tseethatchanging.所有這些貨幣兌英鎊都升值了，我看不出有什么變化?！窘馕觥勘绢}問的是“根據本文以下哪項是正確的？”選項A意為“美聯(lián)儲（Federalreserve）可能會在12月（美國大選后）提高利率，以推動GDP增長2%左右?！迸c文中“ThedebateaboutifwhenandhowslowlytheUSFederalReservewillraiseinterestdragson.美聯(lián)儲是否會在何時、如何緩慢的增加利率的討論仍在繼續(xù)?！辈环?，故錯誤；選項B意為“美聯(lián)儲認為，目前美國的通貨膨脹率仍低于1.6%，以幫助提高就業(yè)率?！迸c文中“GDPgrowthstilloscillatesaround2%theFed’sfavouredmeasureofinflationisat1.6%andtheunemploymentrateistrendinglower.國內生產總值（GDP）增長率仍徘徊在2%左右，美聯(lián)儲青睞的通脹指標為1.6%，失業(yè)率也在下降?！辈环叔e誤；選項C意為“在投票退出歐盟后，上述所有貨幣都對英鎊升值，這種趨勢將繼續(xù)下去?！苯Y合主題句，故正確；選項D意為“在美國，人們普遍認為，隨著勞動力市場的疲軟和生產率增長的0.5%，實際利率將降至零左右，但各種經濟指標不會出現奇跡加速現象?！迸c文中“Estimatesofhowmuchslackthereisleftinthelabourmarketarebeingrevisedupandafterfiveyearswhenproductivitygrowthhasaveragedameasly0.5%there’swidespreadacceptancethatit’sunlikelytoacceleratebymagic.對勞動力市場疲軟程度的預估正在被修正，五年后，當生產率增長只有微不足道的0.5%時，人們普遍認為它不太可能奇跡般加速。”不符，故錯誤。19、人民銀行規(guī)定的貸記卡透支年利率是（）。A.10%B.15%C.18%D.20%答案：C本題解析：根據中國人民銀行規(guī)定，目前貸記卡透支利率按日利率萬分之五執(zhí)行；人民銀行規(guī)定的貸記卡透支年利率是百分之十八。C項，當選；ABD項，不當選。故本題正確答案選C。20、資料：OurgoalwiththenewMacBookwastodotheimpossible:engineerafull-sizeexperienceintothelightestandmostcompactMacnotebookever.Thatmeantreimaginingeveryelementtomakeitnotonlylighterandthinnerbutalsobetter.Theresultismorethanjustanewnotebook.It’sthefutureofthenotebook.Andnow,withsixth-generationIntelprocessors,improvedgraphicsperformance,fasterflashstorage,andupto10hoursofbatterylife.MacBookisevenmorecapable.ThemomentyouopenyourMacBook,itsgorgeous12-inchRetinadisplaywithedge-to-edgeglassbringseverythingintofocus.Everyphotoleapsoffthescreeninrich,vibrantdetail.Over3millionpixelsrendereachletterwithcrystalclarity.AnditallcomestolightonthethinnestRetinadisplayeveronaMac,meticulouslyhonedtodeliveraboldvisualexperiencewithinanimpossiblyminimaldesign.Whattypeofarticleisthis?A.AnoticeB.AnadvertisementC.AproposalD.Amemo答案：B本題解析：本題的問題是“本文的類型是什么？”。選項A意為“通知”；選項B意為“廣告”；選項C意為“提案，提議”；選項D意為“備忘錄”。根據主題句可知，本文是一個廣告，故選B。21、Twoyearsago,RupertMurdoch’sdaughter,Elisabeth,spokeofthe“unsettlingdearthofintegrityacrosssomanyofourinstitutions”.Integrityhadcollapsed,sheargued,becauseofacollectiveacceptancethattheonly"sortingmechanism"insocietyshouldbeprofitandthemarket.But"it'sus,humanbeings,wethepeoplewhocreatethesocietywewant,notprofit".Drivingherpointhome,shecontinued:“It’sincreasinglyapparentthattheabsenceofpurpose,ofamorallanguagewithingovernment,mediaorbusinesscouldbecomeoneofthemostdangerousgoalsforcapitalismandfreedom.”ThissameabsenceofmoralpurposewaswoundingcompaniessuchasNewsInternational,shethought,makingitmorelikelythatitwouldloseitswayasithadwithwidespreadillegaltelephonehacking.Asthehackingtrialconcludes-findingguiltyoneex-editoroftheNewsoftheWorld,AndyCoulson,forconspiringtohackphones,andfindinghispredecessor,RebekahBrooks,innocentofthesamecharge-thewiderissueofdearthofintegritystillstands.Journalistsareknowntohavehackedthephonesofupto5,500people.Thisishackingonanindustrialscale,aswasacknowledgedbyGlennMulcaire,themanhiredbytheNewsoftheWorldin2001tobethepointpersonforphonehacking.Othersawaittrial.Thissagastillunfolds.Inmanyrespects,thedearthofmoralpurposeframesnotonlythefactofsuchwidespreadphonehackingbutthetermsonwhichthetrialtookplace.OneoftheastonishingrevelationswashowlittleRebekahBrooksknewofwhatwentoninhernewsroom,howlittleshethoughttoaskandthefactthatsheneverinquiredhowthestoriesarrived.Thecoreofhersuccessfuldefensewasthatsheknewnothing.Intoday’sworld,ithasbecomenormalthatwell-paidexecutivesshouldnotbeaccountableforwhathappensintheorganizationsthattheyrun.Perhapsweshouldnotbesosurprised.Forageneration,thecollectivedoctrinehasbeenthatthesortingmechanismofsocietyshouldbeprofit.Thewordsthathavematteredareefficiency,flexibility,shareholdervalue,business-friendly,wealthgeneration,sales,impactand,innewspapers,circulation.Wordsdegradedtothemarginhavebeenjustice,fairness,tolerance,proportionalityandaccountability.ThepurposeofeditingtheNewsoftheWorldwasnottopromotereaderunderstanding,tobefairinwhatwaswrittenortobetrayanycommonhumanity.Itwastoruinlivesinthequestforcirculationandimpact.Ms.Brooksmayormaynothavehadsuspicionsabouthowherjournalistsgottheirstories,butsheaskednoquestions,gavenoinstructions-norreceivedtraceable,recordedanswers.ItcanbeinferredfromParagraph3that（）.A.GlennMulcairemaydenyphonehackingasacrimeB.morejournalistsmaybefoundguiltyofphonehackingC.AndyCoulsonshouldbeheldinnocentofthechargeD.phonehackingwillbeacceptedoncertainoccasions答案：B本題解析：定位到第三段Journalistsareknowntohavehackedthephonesofupto5,500people.可知描述的主要是記者群體的竊聽事件，觀察選項可知只有選項B的表述與原文表達一致。故本題正確答案選B。22、國共第一次合作時期的革命運動被稱為“大革命”，主要是因為（）。A.群眾基礎的廣泛性B.領導階級的先進性C.革命果實的豐富性D.俄國幫助的進步性答案：A本題解析：大革命時期，中國共產黨與國民黨合作，建立統(tǒng)一戰(zhàn)線，確立了建立的是民主聯(lián)合戰(zhàn)線的方針。23、Ihaveapresentationthismorning,andIneedtopreparecopiesofthereportforallthe（）.A.engineersB.attendeesC.boardofdirectorsD.Faculties答案：B本題解析：詞匯辨析。A項：工程師；B項：參會者；C項：董事會；D項：能力。句意：今天早上我有一個報告要做，我需要準備一些供所有參會者使用。故本題正確答案選B。24、在工作中，小周不慎將計算機的電源線拔掉，導致計算機斷電關機。下列存儲器中，原存信息丟失可能性最大的是（）。A.軟盤存儲器B.ROM存儲器C.半導體RAM存儲器D.硬盤存儲器答案：C本題解析：ROM是只讀存儲器，即只解讀出事先所存數據的固態(tài)半導體存儲器，斷電是不丟失數據的。只有RAM，隨機存儲器，關掉電腦，RAM數據是全部丟失的。25、Mr.Leeistooweakto（）hisbusiness.A.dowithB.dowithoutC.doawaywithD.doup答案：A本題解析：“李先生太虛弱了，處理不了他的事情”。選項A：對付、處置；選項B：沒有...也可以；選項C：廢除、去掉；選項D：修繕、包扎。根據句意可知只有選項A合適，故本題正確答案選A。26、資料：JobResponsibilities:1.EntersIEPdataintointernaldatabase2.Reviewstherapistssessionnotesforaccuracyandfilestheminstudentcharts3.Preparesandsubmitsmonthlystatistics（attendance,mealcounts）toexpeditemealreimbursementunderCACFP4.EntersstudentdataontoCMRandpreparesmonthlyrosterforsubmission5.EnterchildrenintoPre-Krideranddoesupdatestosystemasneeded6.Assistswithpreparationofannualreviews,sortingreportsandmailingpacketstodistricts7.Preparesandrevisesschoolformsincludingrosters,classlists,stafflists,monthlycalendars,formletters,schedules,etc.8.Assistswithfiredrillsbytimingtheevacuationandmaintainingappropriaterecordstoensureprocedurepolicycompliance9.Maintainsdailystaffattendancerecords,preparesbi-weeklytimecards,trackspersonal,comp,sickandholidaytime10.TracksandmonitorsthedaycareprogramfortimelysubmissionofpaymentsandcontractsduringFallandSummerterms11.TracksenrollmentforUPKprogramperschoolyear12.Providessecretarialsupporttoensuresmoothflowofoperationsby:a）Typingalladministrativeandconfidentialreports,memosandcorrespondenceb）Maintaininginventoryofofficeandcleaningsuppliesbysubmittingorderswheninventoryislow,trackingordersandreceivingorderswhensuppliesaredelivered.c）Servesasthereceptionisttoreceiveanddirectphonecalls,takemessages,screenanddirectvisitorsReceiveandsortallincomingmail,packagesanddeliveries.d）Maintainsschooladministrativefilesbyfilingcorrespondence,schoolforms,memos,budgetsimmediatelyuponcompletion.e）Maintainsofficeequipmentinworkingorderbycontactingrepairpersonnel.Education:HighSchoolDiploma/GEDwithsecretarialTrainingExperience:5yearssecretarialexperienceSkills:Typing65wpm,excellentreceptionistskills,excellentinterpersonals