2013年中國建設(shè)銀行總行筆試題及答案

點(diǎn)擊查看：2013年銀行從業(yè)資格考試：報(bào)名條件是什么　　

　　專業(yè)題：

　　1、法定準(zhǔn)備金率

　　2、財(cái)政貨幣政策

　　3、歐式期權(quán)

　　4、巴塞爾協(xié)議三大支柱

　　5、參數(shù)估計(jì)和殘差

　　6、企業(yè)文化

　　7、金融市場的要素

　　8、即期和遠(yuǎn)期

　　9、商品的需求彈性

　　10、財(cái)務(wù)報(bào)表

　　11、盈余公積

　　12、會(huì)計(jì)利潤

　　13、商業(yè)票據(jù)貼現(xiàn)

　　14、公允價(jià)值和賬面價(jià)值

　　15、市場細(xì)分

　　16、金字塔管理結(jié)構(gòu)中，上級(jí)與中級(jí)領(lǐng)導(dǎo)比：管理難度與幅度問題

　　17、非貨幣性商品交換中關(guān)于具有商業(yè)實(shí)質(zhì)和沒有商業(yè)實(shí)質(zhì)的問題

　　18、積極的財(cái)政政策與擴(kuò)張的貨幣政策的使用范圍

　　19、國家償債的率

　　20、財(cái)務(wù)杠桿問題

　　21、關(guān)于物權(quán)法中的留置權(quán)

　　22、市場占有率：某公司的市場占有率是30%，其他最大三個(gè)競爭對(duì)手的市場占有率分別為20%，12%,8%。問該公司的相對(duì)市場占有率

　　23、有限責(zé)任公司股東轉(zhuǎn)讓股份的條件

　　24、信用卡信用額度的確認(rèn)

　　25、銀行整存整取問題

　　26、貨幣市場工具

　　27、企業(yè)戰(zhàn)略：當(dāng)企業(yè)處于成長期應(yīng)該：擴(kuò)大市場占有率?

　　28、哪個(gè)屬于會(huì)計(jì)政策變跟：房地產(chǎn)由成本法改為公允價(jià)值?不記得了

　　29、關(guān)于內(nèi)部欺詐問題

　　30、新巴賽爾協(xié)議中關(guān)于逾期貸款的風(fēng)險(xiǎn)權(quán)重

　　31、商業(yè)銀行法中關(guān)于客戶貸款的問題

　　32、公司申請(qǐng)貸款不需審核的什么。。。。。。

　　33、關(guān)于歐式看漲期權(quán)說法正確的是：利率上漲及期權(quán)時(shí)間等對(duì)期權(quán)價(jià)格的影響

　　34、回購債券價(jià)格的決定因素

　　英語

　　Text 2

　　Imagine waking up and finding the value of your assets has been halved. No, you’re not an investor in one of those hedge funds that failed completely. With the dollar slumping to a 26-year low against the pound, already-expensive London has become quite unaffordable. A coffee at Starbucks, just as unavoidable in England as it is in the United States, runs about $8.

　　The once all-powerful doll ar isn’t doing a Titanic against just the pound. It is sitting at a record low against the euro and at a 30-year low against the Canadian dollar. Even the Argentine peso and Brazilian real are thriving against the dollar.

　　The weak dollar is a source of humiliation, for a nation’s self-esteem rests in part on the strength of its currency. It’s also a potential economic problem, since a declining dollar makes imported food more expensive and exerts upward pressure on interest rates. And yet there are substantial sectors of the vast U.S. economy-from giant companies like Coca-Cola to mom-and-pop restaurant operators in Miami-for which the weak dollar is most excellent news.

　　Many Europeans may view the U.S. as an arrogant superpower that has become hostile to foreigners. But nothing makes people think more warmly of the U.S. than a weak dollar. Through April, the total number of visitors from abroad was up 6.8 percent from last year. Should the trend continue, the number of tourists this year will finally top the 2000 peak? Many Europeans now apparently view the U.S. the way many Americans view Mexico-as a cheap place to vacation, shop and party, all while ignoring the fact that the poorer locals can’t afford to join the merrymaking.

　　The money tourists spend helps decrease our chronic trade deficit. So do exports, which thanks in part to the weak dollar, soared 11 percent between May 2006 and May 2007. For first five months of 2007, the trade deficit actually fell 7 percent from 2006.

　　If you own shares in large American corporations, you’re a winner in the weak-dollar gamble. Last week Coca-Cola’s stick bubbled to a five-year high after it reported a fantastic quarter. Foreign sales accounted for 65 percent of Coke’s beverage business. Other American companies profiting from this trend include McDonald’s and IBM.

　　American tourists, however, shouldn’t expect any relief soon. The dollar lost strength the way many marriages break up- slowly, and then all at once. And currencies don’t turn on a dime. So if you want to avoid the pain inflicted by the increasingly pathetic dollar, cancel that summer vacation to England and look to New England. There, the dollar is still treated with a little respect.

　　52. Why do Americans feel humiliated?

　　A) Their economy is plunging

　　B) They can’t afford trips to Europe

　　C) Their currency has slumped

　　D) They have lost half of their assets.

　　53.How does the current dollar affect the life of ordinary Americans?

　　They have to cancel their vacations in New England.

　　They find it unaffordable to dine in mom-and-pop restaurants.

　　They have to spend more money when buying imported goods.

　　They might lose their jobs due to potential economic problems.

　　54 How do many Europeans feel about the U.S with the devalued dollar?

　　They feel contemptuous of it

　　They are sympathetic with it.

　　They regard it as a superpower on the decline.

　　They think of it as a good tourist destination.

　　55 what is the author’s advice to Americans?

　　They treat the dollar with a little respect

　　They try to win in the weak-dollar gamble

　　They vacation at home rather than abroad

　　They treasure their marriages all the more.

　　56 What does the author imply by saying “currencies don’t turn on a dime” (Line 2,Para 7)?

　　The dollar’s value will not increase in the short term.

　　The value of a dollar will not be reduced to a dime

　　The dollar’s value will drop, but within a small margin.

　　Few Americans will change dollars into other currencies.

　　The answers as follow:

　　52,B, Their currency has slumped.

　　53,C, They have to spend more money when buying imported goods.

　　54,D, They think of it as a good tourist destination.

　　55,C, They vacation at home rather than abroad.

　　56,A, The dollar’s value will not increase in the short term.

　　Text 3

　　It used to be so straightforward. A team of researchers working together in the laboratory would submit the results of their research to a journal. A journal editor would then remove the authors’ names and affiliations from the paper and send it to their peers for review. Depending on the comments received, the editor would accept the paper for publication or decline it. Copyright rested with the journal publisher, and researchers seeking knowledge of the results would have to subscribe to the journal.

　　No longer. The Internet ? and pressure from funding agencies, who are questioning why commercial publishers are making money from government-funded research by restricting access to it ? is making access to scientific results a reality. The Organization for Economic Co-operation and Development (OECD)was just issued a report describing the far-reaching consequences of this. The report, by John Houghton of Victoria University in Australia and Graham Vickery of the OECD, makes heavy reading for publishers who have, so far, made handsome profits. But it goes further than that. It signals a change in what has, until now, been a key element of scientific endeavor.

　　The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. It is big business. In America, the core scientific publishing market is estimated at between $7 billion and $11 billion. The International Association of Scientific, Technical and Medical Publishers says that there are more than 2,000 publishers worldwide specializing in these subjects. They publish more than 1.2 million articles each year in some 16,000 journals.

　　This is now changing. According to the OECD report, some 75% of scholarly journals are now online. Entirely new business models are emerging; three main ones were identified by the report’s authors. This is the so-called big deal, where institutional subscribers pay for access to a collection of online journal titles through site-licensing agreements. There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. Finally, there are open-access archives, where organizations such as universities or international laboratories support institutional repositories. Other models exist that are hybrids of these three, such as delayed open-access, where journals allow only subscribers to read a paper for the first six months, before making it freely available to everyone who wishes to see it. All this could change the traditional form of the peer-review process, at least for the publication of papers.

　　6. In the first paragraph, the author discusses

　　[A] the background information of journal editing.

　　[B] the publication routine of laboratory reports.

　　[C] the relations of authors with journal publishers.

　　[D] the traditional process of journal publication.

　　7. Which of the following is true of the OECD report?

　　[A] It criticizes government-funded research.

　　[B] It introduces an effective means of publication.

　　[C] It upsets profit-making journal publishers.

　　[D] It benefits scientific research considerably.

　　8. According to the text, online publication is significant in that

　　[A] it provides an easier access to scientific results.

　　[B] it brings huge profits to scientific researchers.

　　[C] it emphasizes the crucial role of scientific knowledge.

　　[D] it facilitates public investment in scientific research.

　　9. With the open-access publishing model, the author of a paper is required to

　　[A] cover the cost of its publication.

　　[B] subscribe to the journal publishing it.

　　[C] allow other online journals to use it freely.

　　[D] complete the peer-review before submission.

　　10. Which of the following best summarizes the main idea of the passage?

　　[A] The Internet is posing a threat to publishers.

　　[B] A new mode of publication is emerging.

　　[C] Authors welcome the new channel for publication.

　　[D] Publication is rendered easier by online service.

　　參考答案：D C A A B

　　26. In the first paragraph, the author discusses

　　[A] the background information of journal editing.

　　the publication routine of laboratory reports

　　[C] the relations of authors with journal publishers.

　　[D] the traditional process of journal publication.

　　[正確答案]D

　　[答案解析]概括段落大意。本文談的是通過互聯(lián)網(wǎng)發(fā)表研究成果的一種新方式，指出了三大業(yè)務(wù)模式。第一段先談傳統(tǒng)的雜志出版(論文發(fā)表)流程，以此引出話題，所以正確答案是D。A選項(xiàng)journal editing沾點(diǎn)邊，但不吻合。做這類題及主題題型可以使用逆向法，即思路是：如果真要寫journal editing的，那應(yīng)該從如何編輯，如何取舍及一些編輯的細(xì)節(jié)入手，而本段明顯不是。B離題更遠(yuǎn)，實(shí)驗(yàn)報(bào)告，從何談起呀?C作者與雜志社的關(guān)系，這個(gè)流程是涉及到，但要談的不是這個(gè)?？傊?，此題從本段的內(nèi)容，本段在全篇的作用，以及本文要談的主題角度，可以確定正確答案。

　　[信心指數(shù)]99.9%

　　27. Which of the following is true of the OECD report?

　　[A] It criticizes government-funded research.

　　It introduces an effective means of publication.

　　[C] It upsets profit-making journal publishers.

　　[D] It benefits scientific research considerably.

　　[正確答案]C

　　[答案解析]A肯定不對(duì)，報(bào)告并未批評(píng)政府資助的研究，是funding agencies批評(píng)commercial publishers，也就是這些資助一些研究項(xiàng)目的機(jī)構(gòu)質(zhì)詢商業(yè)出版機(jī)構(gòu)，我出錢，是為社會(huì)受益，咋變成你受益了呢?這個(gè)選項(xiàng)錯(cuò)在張冠李戴。B也不對(duì)，報(bào)告引進(jìn)(introduces)了一種新的出版方式嗎?不是它吧?誰呢?The Internet is making access to scientific results a reality.是Internet，對(duì)吧?C正確。Why? 實(shí)際上是考對(duì)這句話的理解：The report makes heavy reading for publishers. “heavy reading”是啥意思呢?費(fèi)力的閱讀。此處的heavy意為hard to do or accomplish; arduous。字面的意思是，這個(gè)報(bào)告讓獲取巨大利潤的出版商們讀起來費(fèi)勁。為什么讀起來費(fèi)勁啊?是他們的詞匯量不夠讀不懂嗎?當(dāng)然不是，結(jié)合文章所述內(nèi)容，是因?yàn)檫@個(gè)報(bào)告直指要害，觸及了他們。讀出了這層意思，C選項(xiàng)當(dāng)然就可以大膽選啦!D選項(xiàng)不對(duì)，全文核心意思，是互聯(lián)網(wǎng)出版方式會(huì)給科學(xué)研究帶來巨大的好處，使得科學(xué)成果更容易被人分享。并不是這個(gè)報(bào)告本身對(duì)科學(xué)研究帶來多大好處。當(dāng)然啦，這個(gè)報(bào)告既然指出了這個(gè)趨勢(shì)，或多或少總能讓科研受益一些，但注意命題者還刻意加了一個(gè)considerably，一篇報(bào)告能有如此“相當(dāng)?shù)摹弊饔?

　　[信心指數(shù)]99.9%

　　28. According to the text, online publication is significant in that

　　[A] it provides an easier access to scientific results.

　　it brings huge profits to scientific researchers.

　　[C] it emphasizes the crucial role of scientific knowledge.

　　[D] it facilitates public investment in scientific research.

　　[正確答案]A

　　[答案解析]文中兩句話決定A正確，一是The Internet is making access to scientific results a reality. 二是The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. 也就是知識(shí)的價(jià)值在于其廣泛傳播和即時(shí)獲取，而互聯(lián)網(wǎng)使得科學(xué)成果的很容易獲取變?yōu)楝F(xiàn)實(shí)。這不就是基于互聯(lián)網(wǎng)的在線出版的重大意義嗎!B不對(duì)，因?yàn)槲恼率冀K沒有談?wù)撗芯空叩墨@利問題，要說談，它也只是談了scientific publishing market是一個(gè)big business。而且，在線學(xué)術(shù)期刊的第二種業(yè)務(wù)模式(open-access publishing)，還得研究者自己掏腰包的!科學(xué)知識(shí)本身無比重要的作用不在本文討論范圍，C不對(duì)。促進(jìn)對(duì)科學(xué)研究的公共投資也無從談起，D亦被輕松排除。

　　[信心指數(shù)]99.9%

　　29. With the open-access publishing model, the author of a paper is required to

　　[A] cover the cost of its publication.

　　subscribe to the journal publishing it.

　　[C] allow other online journals to use it freely.

　　[D] complete the peer-review before submission.

　　[正確答案]A

　　[答案解析]考對(duì)這句話的理解：There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. 通過作者本人(或其老板)付費(fèi)發(fā)表的方式支持開架在線閱覽，注意，這里的付費(fèi)，付什么費(fèi)用呀?付給出版網(wǎng)站的費(fèi)嗎?我的想應(yīng)該是發(fā)表論文的研究費(fèi)用，A選項(xiàng)所指即這個(gè)，當(dāng)然這是題外話。B乃空穴來風(fēng)，毫無根據(jù)。C有一定的干擾性，本來這層意思本文也是只字示提，但既然是open-access publishing嘛，那用戶應(yīng)該是可以免費(fèi)使用的。但是不是other online journals也可以免費(fèi)使用呢(轉(zhuǎn)載等)，這似乎就走得遠(yuǎn)了點(diǎn)，原文并未提供這方面的信息，排除。D選項(xiàng)輕松排除。

　　[信心指數(shù)]99.9%

　　30. Which of the following best summarizes the main idea of the passage?

　　[A] The Internet is posing a threat to publishers.

　　A new mode of publication is emerging.

　　[C] Authors welcome the new channel for pu

　　blication.

　　[D] Publication is rendered easier by online service.

　　[正確答案]B

　　[答案解析]一種新的出版方式，即在線出版正悄然興起，乃本文主題，B選項(xiàng)正確。A選項(xiàng)不對(duì)，應(yīng)該說互聯(lián)網(wǎng)對(duì)傳統(tǒng)出版行業(yè)構(gòu)成威脅，但不威脅出版本身，在線出版商也是出版商啊。作者們歡迎不歡迎新的出版方式，一呢，咱們不得而知，二呢，絕非本文主題，C不對(duì)。在線服務(wù)應(yīng)該會(huì)使出版更加容易，但一未涉及，二非主題。

　　[信心指數(shù)]99.9%

　　綜合測試

　　相傳古時(shí)候有兩座怪城,一座“真城”，一座“假城”。真城里的人個(gè)個(gè)講真話，假城里的人個(gè)個(gè)講假話。一位知曉這一情況的旅行者第一次來到其中一個(gè)城市，他只要問遇到的第一個(gè)人一個(gè)答案“是”或“否”的問題，就會(huì)明白自己所到的是真城還是假城。以下哪個(gè)問題是最恰當(dāng)?shù)模?/P>

　　A、你是真城里的人嗎?

　　B、你是假城里的人嗎?

　　C、你說真話嗎?

　　D.你是說假話的人嗎?

　　E.你是這座城市的人嗎?

　　正確答案：E

　　解析：這是一個(gè)二難推理題

　　假如旅行者在真城，真城人會(huì)回答是，假城人也會(huì)回答是。

　　如果是真城人，那么回答是。

　　如果是假城人，那么回答是。

　　真城人或者假城人，總是回答是。

　　假如旅行者在假城，真城人會(huì)回答不是，假城人也回答不是。

　　同上，不論真城人，假城人都回答不是。

　　這樣旅行者就可斷定，回答是，即是在真城。

　　回答不是：即是在假城

　　一個(gè)金魚缸里有10條金魚，剛剛死了4條，問魚缸中還有多少條金魚?

　　選項(xiàng)有 10 4 6 8

　　常識(shí)部分能記得的有幾題：

　　1、馬英九的副手是?(蕭萬長)

　　2、政府機(jī)構(gòu)改革后的部門(國務(wù)院組成部門調(diào)至27個(gè))

　　3、奧運(yùn)會(huì)開幕式上姚明牽的是誰(抗震救災(zāi)小英雄林浩)

　　4、我有一個(gè)夢(mèng)想演講中的節(jié)選，問是誰說的(馬丁•路德•金)

　　5、構(gòu)建社會(huì)主義和諧社會(huì)是貫穿---的長期歷史任務(wù)?(中國特色社會(huì)主義事業(yè)全過程)

　　6.印花稅下調(diào)的時(shí)間(2008年09月19日)

　　7.火炬手金晶是什么比賽選手(殘疾人擊劍隊(duì)員)

　　8.陳云林訪臺(tái)的成果不包括哪個(gè)　　

        9、08年雪災(zāi)為什么造成那么大的危害

　　10、經(jīng)濟(jì)危機(jī)中擴(kuò)大內(nèi)需的方法

　　編輯推薦：2013年銀行從業(yè)資格考試(個(gè)人貸款)模擬試題