2014年銀行招聘�？荚囶}資料(一)

　　2014年銀行招聘�？荚囶}資料(一)

　　1. 以金為貨幣金屬，以金幣為本位幣，不鑄造也不流通金幣，銀行券可以兌換外幣匯票的貨幣制度屬于( )

　　A.金塊本位制

　　B.金本位制

　　C.金匯兌本位制

　　D.銀本位制

　　2. 甲公司同意乙公司以分期付款的方式償還所欠貸款，這種信用屬于( )

　　A.直接信用

　　B.國家信用

　　C.銀行信用

　　D.消費(fèi)信用

　　3. 下面關(guān)于金融工具和金融市場敘述錯誤的是( )。

　　A.貸款屬于間接融資工具，其所在市場屬于間接融資市場

　　B.股票屬于直接融資工具，其發(fā)行.交易的市場屬于直接融資市場

　　C.銀行間同業(yè)拆借市場屬于貨幣市場，同業(yè)拆借是其中的一種短期金融工具

　　D.銀行間債券市場屬于資本市場，債券回購是其中的一種長期金融工具

　　4. 存款貨幣銀行吸收的存款不能完全用于放款或投資，必須將一定比例存入中央銀行形成( )

　　A.再存款

　　B.存款準(zhǔn)備金

　　C.再貼現(xiàn)

　　D.超額準(zhǔn)備金

　　5. 同行拆借市場的產(chǎn)生與( )密切相關(guān)

　　A.短期資金缺口的存在

　　B.銀行貸款的需要

　　C.利率市場的變化

　　D.法定存款準(zhǔn)備金的要求

　　6. 按照存款來源的信用創(chuàng)造性質(zhì)劃分，存款可分為(　　)。

　　A.對公存款和原始存款

　　B.對公存款和對私存款

　　C.原始存款和派生存款

　　D.定期存款和活期存款

　　7. 通貨緊縮會造成( )。

　　A.經(jīng)濟(jì)衰退和失業(yè)加劇

　　B.經(jīng)濟(jì)快速發(fā)展

　　C.就業(yè)增加

　　D.經(jīng)濟(jì)發(fā)展和就業(yè)增加

　　8. 貨幣主義認(rèn)為貨幣政策傳導(dǎo)變量為( )。

　　A.利率

　　B.貨幣供應(yīng)量

　　C.超額準(zhǔn)備

　　D.基礎(chǔ)貨幣

　　9. 《金融資產(chǎn)管理公司條例》第三條規(guī)定，金融資產(chǎn)管理公司以最大限度地()為主要經(jīng)營目標(biāo)，依法

　　獨(dú)立承擔(dān)民事責(zé)任。

　　A.減少不良資產(chǎn)

　　B.保全資產(chǎn)、減少損失

　　C.發(fā)揮自身優(yōu)勢

　　D.規(guī)避金融風(fēng)險(xiǎn)

　　10. 下列哪一項(xiàng)屬于《中國人民銀行法》對貨幣政策的目標(biāo)的規(guī)定是()

　　A.經(jīng)濟(jì)增長

　　B.充分就業(yè)

　　C.匯率穩(wěn)定

　　D.保持貨幣幣值穩(wěn)定并以此促進(jìn)經(jīng)濟(jì)增長

　　11. 建筑工人的工資提高將使()

　　A.新房供給曲線左移并使房子價(jià)格上升

　　B.新房供給曲線右移并使房子價(jià)格下跌

　　C.新房供給曲線左移并使房子價(jià)格下降

　　D.新房的需求價(jià)格彈性下降

　　12. 在我國，實(shí)行最高限價(jià)屬于政府對市場價(jià)格的(　　)。

　　A.平衡措施

　　B.引導(dǎo)措施

　　C.緊急措施

　　D.干預(yù)措施

　　13. 甲商品和乙商品的價(jià)格和收入按相同比例下降，則預(yù)算線()

　　A.向右上方平移

　　B.向左下方平行移動

　　C.不變

　　D.發(fā)生旋轉(zhuǎn)

　　14. 消費(fèi)者效用最大化的均衡條件是( )。

　　A.商品邊際替代率等于商品價(jià)格之比

　　B.商品邊際替代率大于商品價(jià)格之比

　　C.商品邊際替代率小于商品價(jià)格與收入之比

　　D.商品邊際替代率等于商品價(jià)格與收入之比

　　15. 當(dāng)一個追求利潤最大化的廠商考慮進(jìn)入一個市場時，他將會比較()

　　A.總收益和總可變成本

　　B.邊際收益和市場價(jià)格

　　C.最小邊際成本和市場價(jià)格

　　D.最小平均成本和市場價(jià)格

　　16.如果你免費(fèi)得到一張上海大劇院《劇院魅影》歌劇演出的門票，假定你無法將該門票出售或者轉(zhuǎn)贈。同

　　時你又熟悉當(dāng)天是上海美術(shù)館舉辦法國印象派畫展最后一天，而且你一直非常想去看這一印象派畫展。如

　　果印象派畫展的門票是400元一張，而你對這一畫展最多愿意出價(jià)是500元，也即超過500元你就嫌太

　　貴，寧肯不去欣賞。如果你去看了《劇院魅影》，你的機(jī)會成本是()元。

　　A.0 B.100 C.400 D.500

　　17.()市場要求企業(yè)生產(chǎn)的產(chǎn)品具有同質(zhì)性，不存在差別。

　　A.完全競爭

　　B.壟斷

　　C.壟斷競爭

　　D.寡頭

　　18.在完全競爭市場中，企業(yè)的主要競爭策略是()

　　A.廣告促銷

　　B.漲價(jià)盈利

　　C.降價(jià)促銷

　　D.降低成本

　　19.在完全競爭市場上，廠商短期均衡的條件是()

　　A.價(jià)格等于平均成本

　　B.價(jià)格等于邊際成本

　　C.價(jià)格等于平均收益

　　D.價(jià)格等于邊際收益

　　20.以下不屬于壟斷競爭市場特征的是()

　　A.生產(chǎn)集團(tuán)中有大量的企業(yè)生產(chǎn)有差別的同種產(chǎn)品，這些產(chǎn)品彼此之間都是非常接近的替代品

　　B.進(jìn)入和退出生產(chǎn)集團(tuán)比較容易

　　C.廠商的競爭手段是多種多樣的，但市場價(jià)格相對穩(wěn)定

　　D.每個廠商都認(rèn)為自己的行為影響很小，不會引起競爭對手的注意和反應(yīng)，因而自己也不會受到競爭對手的報(bào)復(fù)措施的影響

　　21.下列各項(xiàng)中，不應(yīng)計(jì)入營業(yè)外收入的是( )。

　　A.債務(wù)重組利得

　　B.處置固定資產(chǎn)凈收益

　　C.收發(fā)差錯造成存貨盤盈

　　D.確實(shí)無法支付的應(yīng)付賬款

　　22.下列各項(xiàng)中( )不屬于投資與投機(jī)的區(qū)別。

　　A.二者的利益著眼點(diǎn)不同

　　B.二者承擔(dān)的風(fēng)險(xiǎn)不同

　　C.二者的交易方式不同

　　D.二者的基本目的不同

　　23.甲公司長期持有乙公司10%的股權(quán)，采用成本法核算。2009年1月1日，該項(xiàng)投資賬面價(jià)值為1 300

　　萬元。2009年度乙公司實(shí)現(xiàn)凈利潤2 000萬元，宣告發(fā)放現(xiàn)金股利1 200萬元。假設(shè)不考慮其他因素，

　　2009年12月31日該項(xiàng)投資賬面價(jià)值為( )萬元。

　　A.1300

　　B.1380

　　C.1500

　　D.1620

　　24.下列各項(xiàng)中，應(yīng)列入利潤表“管理費(fèi)用”項(xiàng)目的是( )。

　　A.計(jì)得的壞賬準(zhǔn)備

　　B.出租無形資產(chǎn)的攤銷額

　　C.支付中介機(jī)構(gòu)的咨詢費(fèi)

　　D.處置固定資產(chǎn)的凈損失

　　25.某飲料生產(chǎn)企業(yè)為增值稅一般納稅人，年末將本企業(yè)生產(chǎn)的一批飲料發(fā)放給職工作為福利。該飲料市場

　　售價(jià)為12萬元(不含增值稅)，增值稅適用稅率為17%，實(shí)際成本為10萬元。假定不考慮其他因素，該

　　企業(yè)應(yīng)確認(rèn)的應(yīng)付職工薪酬為( )。

　　A.10

　　B.11.7

　　C.12

　　D.14.04

　　26.資金成本在企業(yè)籌資決策中的作用不包括( )。

　　A.是企業(yè)選擇資金來源的基本依據(jù)

　　B.是企業(yè)選擇籌資方式的參考標(biāo)準(zhǔn)

　　C.作為計(jì)算凈現(xiàn)值指標(biāo)的折現(xiàn)率使用

　　D.是確定最優(yōu)資金結(jié)構(gòu)的主要參數(shù)

　　27.2007年1月1日，甲公司租用一層寫字樓作為辦公場所，租賃期限為3年，每年12月31日支付租金

　　10萬元，共支付3年。該租金有年金的特點(diǎn)，屬于( )。

　　A.普通年金

　　B.即付年金

　　C.遞延年金

　　D.永續(xù)年金

　　28.下列各項(xiàng)中，不屬于現(xiàn)金流量表“籌資活動產(chǎn)生的現(xiàn)金流量”的是( )。

　　A.取得借款收到的現(xiàn)金

　　B.吸收投資收到的現(xiàn)金

　　C.處置固定資產(chǎn)收回的現(xiàn)金凈額

　　D.分配股利、利潤或償付利息支付的現(xiàn)金

　　29.某企業(yè)生產(chǎn)甲、乙兩種產(chǎn)品，2009年12月共發(fā)生生產(chǎn)工人工資70 000元，福利費(fèi)10 000元。上述

　　人工費(fèi)按生產(chǎn)工時比例在甲、乙產(chǎn)品間分配，其中甲產(chǎn)品的生產(chǎn)工時為1 200小時，乙產(chǎn)品的生產(chǎn)工時為

　　800小時。該企業(yè)生產(chǎn)甲產(chǎn)品應(yīng)分配的人工費(fèi)為( )元。

　　A.28 000

　　B.32 000

　　C.42 000

　　D.48 000

　　30.下列各項(xiàng)中，不屬于所有者權(quán)益的是( )。

　　A.資本溢價(jià)

　　B.計(jì)提的盈余公積

　　C.投資者投入的資本

　　D.應(yīng)付高管人員基本薪酬

　　Passage One

　　Recent research has claimed that an excess of positive ions in the air can have an ill effect on people's physical or psychological health. What are positive ions?Well，the air is full of ions，electrically charged particles，and generally there is a rough balance between the positive and the negative charged. But sometimes this balance becomes disturbed and a larger proportion of positive ions are found. This happens naturally before thunderstorm，earthquakes when winds such as the Mistral，Hamsin or Sharav are blowing in certain countries. Or it can be caused by a build-up of static electricity indoors from carpets or clothing made of man-made fibres，or from TV sets，duplicators or computer display screens.

　　When a large number of positive ions are present in the air many people experience unpleasant effects such as headaches，fatigue，irritability，and some particularly sensitive people suffer nausea or even mental disturbance. Animals are also affected，particularly before earthquakes，snakes have been observed to come out of hibernation，rats to flee from their burrows，dogs howl and cats jump about unaccountably. This has led the US Geographical Survey to fund a network of volunteers to watch animals in an effort to foresee such disasters before they hit vulnerable areas such as California.

　　Conversely，when large numbers of negative ions are present，then people have a feeling of well-being. Natural conditions that produce these large amounts are near the sea，close to waterfalls or fountains，or in any place where water is sprayed，or forms a spray. This probably accounts for the beneficial effect of a holiday by the sea， or in the mountains with tumbling streams or waterfalls.examda.com

　　To increase the supply of negative ions indoors，some scientists recommend the use of ionisers：small portable machines，which generate negative ions. They claim that ionisers not only clean and refresh the air but also improve the health of people sensitive to excess positive ions. Of course，there are the detractors，other scientists，who dismiss such claims and are skeptical about negative/positive ion research. Therefore people can only make up their own minds by observing the effects on themselves，or on others，of a negative rich or poor environment. After all it is debatable whether depending on seismic readings to anticipate earthquakes is more effective than watching the cat.

　　31.What effect does exceeding positive ionization have on some people?

　　A.They think they are insane.

　　B.They feel rather bad-tempered and short-fussed.

　　C.They become violently sick.

　　D.They are too tired to do anything.

　　32.In accordance with the passage，static electricity can be caused by___.

　　A.using home-made electrical goods.

　　B.wearing clothes made of natural materials.

　　C.walking on artificial floor coverings.

　　D.copying TV programs on a computer.

　　33.A high negative ion count is likely to be found___.

　　A.near a pound with a water pump.

　　B.close to a slow-flowing river.

　　C.high in some barren mountains.

　　D.by a rotating water sprinkler.

　　34.What kind of machine can generate negative ions indoors?

　　A.Ionisers.examda.com

　　B.Air-conditioners.

　　C.Exhaust-fans

　　D.Vacuum pumps.

　　35.Some scientists believe that___.

　　A.watching animals to anticipate earthquakes is more effective than depending on seismography.

　　B.the unusual behavior of animals cannot be trusted.

　　C.neither watching nor using seismographs is reliable.

　　D.earthquake

　　Passage Two

　　We all know that the normal human daily cycle of activity is of some 7-8 hours’ sleep alternation with some 16-17 hours’wakefulness and that, broadly speaking, the sleep normally coincides with the hours of darkness. Our present concern is with how easily and to what extent this cycle can be modified.

　　The question is no mere academic one. The ease, for example, with which people can change from working in the day to working at night is a question of growing importance in industry where automation calls for round-the-clock working of machines. It normally takes from five days to one week for a person to adapt to a reversed routine of sleep and wakefulness, sleeping during the day and working at night. Unfortunately, it is often the case in industry that shifts are changed every week; a person may work from 12:00 midnight to 8:00 a.m. one week, 8:00 a.m. to 4:00 p.m. the next, and 4:00p.m. to 12:00 midnight the third and so on. This means that no sooner has he got used to one routine than he has to change to another, so that much of his time is spent neither working nor sleeping very efficiently.

　　The only real solution appears to be to hand over the night shift to a number of permanent night workers. An interesting study of the domestic life and health of night-shift workers was carried out by Brown in 1957. She found a high incidence of disturbed sleep and other disorders among those on alternating day and night shifts, but no abnormal occurrence of these phenomena among those on permanent night work.

　　This latter system then appears to be the best long-term policy, but meanwhile something may be done to relieve the strains of alternate day and night work by selecting those people who can adapt most quickly to the changes of routine. One way of knowing when a person has adapted is by measuring his body temperature. People engaged in normal daytime work will have a high temperature during the hours of wakefulness and a low one at night; when they change to night work, the pattern will only gradually go back to match the new routine and the speed with which it does so parallels, broadly speaking, the adaptation of the body as a whole, particularly in terms of performance. Therefore, by taking body temperature at intervals of two hours throughout the period of wakefulness it can be seen how quickly a person can adapt to a reversed routine, and this could be used as a basis for selection. So far, however, such a form of selection does not seem to have been applied in practice.　(445 words)

　　36. The main problem of the round-the-clock working system lies in _______.

　　A. the disturbance of the daily cycle of workers who have to change shifts too frequently

　　B. the inconveniences brought about to the workers by the introduction of automation

　　C. the fact that people working at night are often less effective

　　D. the fact that it is difficult to find a number of good night workers

　　37. The best solution to implementing the 24-hour working system seems ________.

　　A. to employ people who work on night shifts only

　　B. to create better living conditions for night workers

　　C. to change shifts at longer intervals

　　D. to have longer shifts

　　38. Which of the following statements is NOT true?

　　A. Body temperature may serve as an indication of a worker’s performance.

　　B. The employment of permanent night shift workers seems to be the best solution to problems of the round-the-clock working system.

　　C. Taking body temperature at regular intervals can show how a person adapts to the changes of routine.

　　D. Disturbed sleep occurs more frequently among shift workers.

　　39. It is possible to find out if a person has adapted to the changes of routine by measuring his body temperature because ________.

　　A. body temperature changes when the cycle of sleep and wakefulness alternates

　　B. body temperature changes when he changes to night shift or back

　　C. the temperature reverses when the routine is changed.

　　D. people have higher temperature when they are working efficiently.

　　40. The phrase “coincide with”(Line 3, Para.1) could best be replaced by _______.

　　A. take place

　　B. agree with

　　C. accord to

　　D. take up
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