包商银行宁波分行微小企业金融部校园招聘笔试参考题库答案详解

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包商银行宁波分行微小企业金融部校园招聘笔试参考题库答案详解(图片大小可自由调整)第1卷一.单项选择题(共50题)1.现代药物中有许多能清热的药物比如阿司匹林。阿司匹林之所以能退热,是因为前列腺素E2是告诉大脑体温过低的“信使”,而阿司匹林可以抑制前列腺素E2的合成,所以阿司匹林是清热的良药。上述论证要想成立需要补充以下作为前提的一项是()。A.阿司匹林能够防治流感病毒B.阿司匹林的清热疗效已经得到临床证实C.前列腺素E2可以影响体温D.一旦体温过低,大脑会指挥人体发热答案:D 本题解析:题干论证过程为:E2告诉大脑体温过低,阿司匹林抑制了E2的合成,则阿司匹林可以清热。其中“大脑判断体温过低”和“发热”之间缺少必要的联系,D项为真则在二者之间建立了联系,是必需的前提。故答案选D。2.下列说法肯定正确的是( )。A.2006年前5个月中,5月份的社会消费品零售额最高B.2006年5月,几类商品的零售额都比前4个月高C.2006年5月,限额以上批发零售贸易企业零售额比前4个月都高D.至少存在一类商品,其2006年前5个月的零售额同比增长不高于12.5%答案:D 本题解析:15月份全市累计实现社会消费品零售额1312.7亿元,比去年同期增长12.5,而5月份各类零售增长率都超过了12.5%。因此可以肯定,至少存在一类商品,其2006年前5个月的零售额同比增长不高于12.5。3.根据下列内容,回答196-200题。Diana Jacobs thought her family had a workable plan to pay for college for her 21-year-old win sons:a combination of savings,income,scholarships,and a modest amount of borrowingFhen her husband lost his job,and the plan fell apart“I have two kids in coHege,and l want to saycome home,but at the same time l want to grovide them with a good education,”says JacobsThe Jacobs family did work out a solution:They asked and received more aid form the schools,and each son increased his borrowing to the maximum amount through the federal loan programThey will each graduate with$20,000 of debt,but at least they will be able to finish schoolWith unemployment risin9,financial aid administrators expect to hear more families like the lacobsMore students are applying for aid,and more families expect to need student loansCollege administrators are concerned that they will not have enough aid money to go aroundAt the same timetuition continues to riseA report from the National Center for Public Policy and Higher Education found that college tuition and fees increased 439%from l982 to 2007,while average family income rose just l47%Student borrowing has more than doubled in the last decade“If we go on this way for another 25 years,we wont have an affordable system of higher edueation”says Patrick MCallan,president of the center“The middle class families have been financing it through debtThey will send kids to college whatever it takes,even if that means a huge amount of debt”Financial aid administrators have been having a hard time as many companies decide thai student loans are not profitable enough and have stopped making themThe good news,however,is that federal loans account for about three quarters of student borrowing,and the government says that money will flow uninterruptedAccording to Paragraph l,why did the plan of Jacobs family fail? _A.The twins wasted too much moneyB.The father was out of workC.Their savings ran outD.The family fell apart答案:B 本题解析:根据第一段最后一句话“Then her husband lost his job,and the plan fell apart可知,应选B项。4.A.见图AB.见图BC.见图CD.见图D答案:B 本题解析:本题是样式中的遍历规律。每列图形的外框均有三角形、圆形、方形三种,内部线条均有“”、“|”、“”、“/”四个线条,问号处只缺少“”、“/”两条线,所以答案选择B选项。5.王某听说银行有一款理财产品,当他赶到银行准备购买时,却因该理财产品已经过了购买期而不能购买。这件事情主要体现了信息的()。A.可扩充性B.时效性C.可处理性D.载体依附性答案:B 本题解析:王某错过了购买期说明信息具有时效性。6.在交谈中使用的语言不标准不规范,会使人误解,令交谈无法顺利进行,导致不良的后果,这种应该避免的行为属于( )。A.脏嘴B.杂嘴C.刀子嘴D.荤嘴答案:B 本题解析:交谈之中“脏嘴”是指说话不文明,满El都是“脏、乱、差”的语言;“刀子嘴,是指说话尖酸刻薄,喜欢恶语伤人;“荤嘴”是指说话带“色”时时刻刻把丑闻、艳事挂在嘴上。7.总需求曲线是由IS-LM模型决定的,当物价水平不变时,有许多影响总需求曲线的因素,以下属于引起总需求增加的因素是( )。A.税收减少或转移支付减少B.预期的未来利润减少C.货币量减少D.利率下降答案:D 本题解析:A项,转移支付减少使总需求减少,故A项错误。BC项,预期利润减少和货币量减少都会使需求减少,故BC项错误。D项,利率下降会使投资需求提高,总需求增加,故D项正确。本题正确答案选择D项。8.以下哪两个图形调换位置之后,新形成的图形序列具有一定的规律性?( )。A.1和4B.2和5C.3和6D.3和4答案:B 本题解析:本题属于图形推理题目。六面体上的点数相加、相减并无规律,将2和5互换后,相邻的两个六面体均有两个面相同,选择B项。(本题也可考虑转动六面体,将第一个六面体向左下转动,“4”变成底面可以得到第五个六面体,将第五个六面体向右转动,可以得到第三个六面体。依次类推,存在统一的规律。因此选择B项。)因此,选择选项。9.The economy of the United states after 1952 was the econnomy of a well-fed,almost fully employed people. Despit occasional alarms, the country escaped any postwar depression and lived in a state of boom. A n economic survey of the year 1955, a typical year of the 1950s, may be typical as illustrating the rapid economic growth of the decade. The national output was value at 10 percent above that of 1954 (1955 output was estimated at 392 billion dollars). The production of manufacturers was about 40 percent more than it had averaged in the years immediately following World War 2. The countrys business spent about 30billion dollars for new factories and machinery. National income available for spending was almost a third greater than it had been it had been in 1950. Consumers spent about 256 billion dollars; that is about 700 million dollars a day ,or about twenty-five million dollars every hour , all round the clock. Sixty-five million people held jobs and only a little more than two million wanted jobs but could not find them . Only agriculture complained that it was not sharing in the room. To some observers this was an ominous echo of the mid-1920s . As farmers shre of their products declined , marketing costs rose. But there were , among the observers of the national economy, a few who were not as confident as the majority . Those few seemed to fear that the boom could not last and would eventually lead to the oppsite-depression. What is the best title of the passage? A.The Agriculatural Trends of 1950sB.The Unemployment Rate of 1950sC.U.S. Economy in the 50sD.The Federal Budget of 1952答案:C 本题解析:暂无解析10.According to the job posting, what is an advantage of working for Whirlwinds? ()A.The company will pay for living expensesB.The company offers education scholarshipsC.Workers can choose the countries they go toD.Skilled laborers receive a monthly bonus答案:A 本题解析:由原文第二段中:“and room and board ale provided flee by the cruise line”,这句话就能得知本题的正确答案。11.5,17,21,25,( )A.28;B.29;C.34;D.36答案:B 本题解析:选B;35+2=17;45+1=21;55+0=25;65-1=29;12.个民族的文化与精神的健康发展,最重要的标志就是敢于并善 于_所有优秀的文化,如我们常常讲,大唐时代长安流行胡乐,并没有使我们文化出现_。依次填入横线部分最恰当的一项是( )A.吸收 断裂B.接纳 蜕变C.借鉴 浮躁D.融合 停滞答案:B 本题解析:由“大唐时代长安流行胡乐”可知,题干强调的是民族文化与外来文化的关系,“融 合”常指几种事物间的交融、汇合;“借鉴”常用于经验,用在此处不合适,故排除。A项“断裂”表达 的含义过重。故答案为B。13.Rising wages - together with currency fluctuations and high fuel costs - are eating away the once-formidableChina price advantage, prompting thousands of factory owners to flee the Pearl River Delta. Much has been written about the more than doubling of wages at the Shenzhen factory of Foxconn, the worlds largest electronics contract manufacturer, which produces Apple iPhones and iPads and employs 920,000 people in China alone.One can talk about a world pre- and post- Foxconn, says Victor Fung, chairman of Li & Fung, the worlds biggest sourcing company and a supplier of Wal-Mart. Foxconn is as important as that.Foxconns wage increases are only the most dramatic. Our analysis suggests that, since February, minimum wages have climbed more than 20 percent in 20 Chinese regions and up to 30 percent in some, including Sichuan. At a Guangdong Province factory supplying Honda, wages have risen an astonishing 47 percent. All this is bad news for companies operating in the worlds manufacturing hub, and chief executives should assume that double-digit annual rises - if not on the scale witnessed this year - are here to stay.Looked at another way, however, wage inflation provides companies with a once-in-a-generation opportunity to rethink radically the way they approach global production - and they should do so sooner rather than later.Why the urgency? After all, wage hikes in China are nothing new. Since 1990, they have risen by an average of 13 percent a year in U.S. dollar terms and 19 percent annually in the past five years.There are two big reasons the situation is different now. The first has to do with productivity.Over the past 20 years, productivity increases have broadly matched wage increase, negating their impact. The pay rises came from a very low base, so while average wages grew 19 percent a year from 2005 to 2010, this amounted to only ¥260 a month per employee, a sum that could be offset by more efficient production or switching to cheaper sources of parts and materials.If labor costs continue, however, to increase at 19 percent a year for another five years,monthly wages would grew ¥623 per month, according to BCG estimates. Such an increase would ripple through the economy in the form of higher prices for components, business services, cargo-handling and office staff.The second reason relates to societal change. Until now, if has been easy to lure a seemingly unlimited number of young, low-wage workers to the richer coastal regions and house them cheaply in dormitories until they saved enough to return home to their families in the interior provinces. In the future, though, young workers will be harder to recruit. This is partly because there will be fewer of them: Largely because of the countrys one-child policy, the number of Chinese aged 15 to 29 will start declining in 2011. Moreover, with living standards rising across China, fewer of todays rural youth will want to go to coastal regions to toil for 60 hours a week on an assembly line and live in a cramped dormitory.So what can CEOs do in this fast-changing environment? An instinctive reaction is to search for cheaper labor elsewhere. But this is short-sighted and would provide - at best - a short-term fix. Another option is to stay in China and try to squeeze out greater productivity gains.Okada Cleaning Service is offering discounts this month as a special _for customers who refer their friends.A.gratuityB.incentiveC.causeD.motive答案:A 本题解析:A项意为“报酬”,符合题意;B、D两项均为“动机”之意,C项意为“原因”,均与题意不符。句意为“0kada清洁公司这个月为邀请朋友的顾客提供打折,作为特别的报酬”。14.With a sense of crisis mounting and the EU unable to respond, countries will be increasingly inclinedto act unilaterally or even-in the case of Britain-leave the bloc altogether.The refugee crisis is already threatening cherished ideas about open borders. In the past couple of days, Germany has reimposed frontier controls with Austria-which, in turn, has imposed controls at its border with Hungary, which itself is working feverishly to complete a barbed-wirefence to protect its frontier with non-EU Serbia. Controls have been tightened on the French-Italian borders, while migrants camp miserably in Calais, hoping to cross to England.If the EU somehow gets a grip on the migrant crisis, these measures might be no more than temporary expedients. But if the pressure of would-be refugees heading for Europe remain intense, then temporary measures could harden into permanent controls.Questions marks over open borders will easily shade into wider issues about access to welfare systems and labor markets. That is because EU countries are realizing thatin a border-free single marketa unilateral change of asylum rulesby Germany had implications for the immigration policies of all member states. Once migrants get citizenship in one EU country, they have the right to move to any other, to work there and to claim benefits. But if free movement of people and labor come into question, so does the EUs single marketits central achievement.The refugee issue has for the moment, overshadowed the euro. But the problems of the single currency have not gone away. On the contrary, Greeces decision this summer to knuckleunder and accept yet another austerity package has made the Eurozone look increasingly like a trap.Even Greece, which is profoundly unhappy with life in the Eurozone, cannot risk leaving for fear of provoking a financial and economic crisis. Creditor countries such as Germany and the Netherlands are not much happier, as they fear they are being dragged into a system of permanent fiscal transfers towards the nations of Europe. Meanwhile, efforts to make the euro work better,by pressing ahead with a banking union, are stuck in Brussels. This does not look like a sustainable situation and the risk of euro break-up will surely return.The refugee and euro crisis bear on whether Britain will vote to stay in the EU, when it holds a referendum in 2016 or 2017. Until recently, the opinion polls looked promising for the pro-EU camp. But the migrant crisis plays directly into the most potent issue deployed by those campaigning for Britain to leave-which is that membership ofthe EU means that the UK cannot control immigration. More broadly, the British are less likely to stay inside an organization that seems to be failing. If they vote to leave, the sense of crisiswithin the EU would then mount-raising the possibility of further defections.A partial unravelling and marginalization of the EU still looks more likely than a full-scale collapse. But even if an organization called the European Union continues to exist- running buildings and paying salaries-it risks becoming increasingly irrelevant.The underlined sentence in the last paragraph“A partial unravelling and marginalizationof the EU still looks more likely than a full-scale collapse.” tells us that _.A.EU might disappear overnightB.If effective measures are taken, EU may escape the fate of collapseC.EU may disintegrate gradually and be less influentialD.It is highly possible that EU will face a full-scale collapse rather than partial unravelling and marginalization答案:C 本题解析:句意题。画线句子是说对于欧盟来说,相比整个欧盟解体,更有可能只有部分成员国退出及欧盟避渐被边缘化。又根据句子后面说的即便欧盟存在,也会貌合神离,可推知,欧盟会渐渐瓦解,影响力也日渐削弱。15.选出最合适的一项填入问号处,使之呈现一定的规律( )。A.如上图所示B.如上图所示C.如上图所示D.如上图所示答案:C 本题解析:第一步,观察特征。组成元素不同,优先考虑数量或属性。图形既有直线又有曲线,并出现“十”字型交点,考虑数曲直交点。第二步,一条式,从左到右找规律。题干中曲线与直线交点数依次为0、1、 2、3、4、?,问号应该选择曲线与直线交点数为5的图形,只有C项符合。因此,选择C选项。16.某时期A国的GDP为1000亿美元,同时期本国国民在国外创造的价值增值为50亿美元,外国国民在本国创造的价值增值为60亿美元,则该时期A国的GNP为()美元。A.1110亿B.1010亿C.990亿D.890亿答案:C 本题解析:GDP与GNP计算口径不同:GDP计算采用的是“国土原则”,即只要是在本国或该地区范围内生产或创造的价值,无论是外国人或是本国人创造的价值,均计入本国或该地区的GDP;而GNP计算采用的是“国民原则”,即只要是本国或该地区居民,无论你在本国或该地区内,还是在外国或外地区所生产或创造的价值,均计入本国或该地区的GNP。题中,该时期A国的GNP为:10005060990(亿美元)。17.2014年北京地区外贸进出口规模达到4079亿美元,比2013年增长47%。其中。出口596亿美元,同比增长11%;进口3483亿美元,同比增长53%。2014年北京地区文化产品进出口6亿美元,同比增长63%。其中,进口45亿美元,同比增长131%,增速较整体进口增速高出78个百分点。从全国范围上看,北京地区文化产品进口规模在全国各省(市)中排首位,占同期全国文化产品进口规模的307%。2014年北京地区进口原油1587亿美元,同比增长67%。同期,进口机电产品7217亿美元,同比下降59%;高新技术产品2977亿美元,同比下降56%。2014年北京地区出口机电产品3739亿美元,同比增长61%,增速较整体出口增速高出5个百分点,占同期北京地区出口总值的627%;高新技术产品出口1893亿美元,同比增长45%,占317%。2014年,北京地区与前l0大贸易伙伴中的5个进出口整体实现同比正增长。从具体贸易伙伴方面看,2014年北京地区与美国双边贸易规模首次突破300亿美元,达到3413亿美元,同比增长245%,美国成为北京地区第二大贸易伙伴,较2013年提升1位;与欧盟双边贸易4153亿美元,同比下降46%;与沙特阿拉伯进出口3148美元,同比下降46%。此外,受日本“购岛”闹剧等因素影响,2014年北京地区与日本双边贸易规模为1856亿美元,同比下降165%。2014年全国文化产品进口额为( )亿美元。A.18.4B.15.3C.14.7D.23.4答案:C 本题解析:根据第二段可知,2014年北京地区文化产品进口45亿美元,占同期全国文化产品进口18.某企业购进原料价款10000元,经加工后出售价为14000元,增值税税率17%,则该企业交增值税税额为()A.2380元B.780元C.680元D.1700元答案:C 本题解析:应纳税额=当期销项税额-当期进项税额=14000*17%-10000*17%=680元。19.A.14.2B.18.6C.15.8D.16.4答案:A 本题解析:从每行来看,第一项一第二项+4=第三项。6.439+4=6.5,6846+462,(142)-7.2+4=11。20.“一门三父子,都是大文豪。诗赋传千古,峨眉共比高。”这首诗中的“三父子”指的是( )。A.曹操、曹丕、曹植B.苏洵、苏轼、苏辙C.班彪、班固、班超D.杜甫、杜牧、杜荀鹤答案:B 本题解析:此题的解题关键点有两个,即“父子”关系和“峨眉共比高”。A项中曹操 是安徽人士,不符合“蛾眉共比高”,予以排除;C项中班固是班超的兄长,排除;D项中杜甫和 杜牧也非父子,所以排除;苏洵、苏轼、苏辙为苏门三父子,且为四川人,所以诗中的“三父子”是 指B项苏洵、苏轼、苏辙。21.把下面的六个图形分为两类,使每一类图形都有各自的共同特征或规律,所给四个选项中分类正确的一项是()。A.,B.,C.,D.,答案:B 本题解析:第一步,观察图形特征,发现图形组成凌乱,可以先考虑数量类。第二步,进一步确定具体规律,发现图案均由多个部分构成,可以考虑部分数,结果发现均由3个部分构成,均由2个部分构成。故本题正确答案选B。22.第49题答案是_A.everythingB.somethingC.anythingD.nothing答案:A 本题解析:考查不定代词。此空所在句子意为老师准备了一张很难的试卷,包含他所教的。everything“一切”,符合旬意,故选A。23.情境领导指领导的有效行为应随着被领导者的特点和环境的变化而变化,不是一成不变的,领导者要分析情绪要点的不同情况,采取不同的领导行为,才能激励下属,实现有效管理。根据上述定义,下列不属于情境领导的是( )。A.在某次抢险救灾中,由于队员们对险情充满畏惧,队长带头冲进受灾现场救人B.按上级要求,由于本市贩毒吸毒成为话题,某公务机关设立缉毒大队C.某学校为了避免教学质量下降,加大了对优秀学生的奖励制度D.为建立行业影响力,某企业规定,若员工每年有1 次以上不能完成相应的工作,取消其年度奖金答案:D 本题解析:情景领导的定义要点为:随着被领导者的特点和环境的变化而变化。A、B、C 三项均体现了根据变化而变化;D 项为统一规定,没有体现变化,不属于情境领导。故答案选D。24._ matters most in learning English is enough practice.A.WhatB.WhyC.WhereD.Which答案:D 本题解析:Its a deal意为就这么办,一言为定。25.2013年,中银国际成功协助客户完成17个新股首发上市项目。融资总额接近118亿美元,名列香港新股发行承销市场第()位。A.1B.2C.3D.4答案:A 本题解析:暂无解析26.A.见图AB.见图BC.见图CD.见图D答案:A 本题解析:本题考查的是笔画数量变化规律。第一组图中,每个图形的笔画数分别 为4、5、6;第二组图中,前两个图形笔画数分别是1、2,由此可知,下一个图形应该有3画,只有 A项符合。故本题答案为A。27.Report: Kilmer Health Care Center in Top 10%According to a report that was recently published in Consumer Quarterly, the Kilmer Health Care Center atUniversity Village is ranked in the top 10 percent of all nursing homes in Ohio.The Kilmer Health Care Center opened four years ago with 48 private rooms. Thirty-six of the rooms are forassisted living, and twelve are for constant care. The Kilmer Health Care Center offers residents an array of services from housekeeping and meal delivery, to transportation and medical services.Consumer Quarterly looked at three main factors to come up with the nursing home rankings. The first washow the facility ranked in their state inspections. The second was the ratio of the number of care givers,(including nurses and nurses aides), to the number of residents. Finally, they looked at the services the facility offers and compared those to the current and future needs of the residents who live there.Consumer Quarterly hopes the report encourages those facilities ranked in the lower 10% to review andimprove their operations.How many rooms in Kilmer Health CareCenter are intended for assisted living?A.12B.36C.48D.66答案:B 本题解析:暂无解析28._ new buildings will be built in my hometown.A.A great deals ofB.A lots ofC.A plenty ofD.A great number of答案:D 本题解析:A应为A great deal of,B应为A lot of或Lots of,C应为Plenty of,D项正确。29.自由泳是对技术没有规则限制的竞技游泳比赛项目,比赛运动员多采用( )。A.爬泳B.仰泳C.蛙泳D.蝶泳答案:A 本题解析:自由泳是竞技游泳比赛项目之一,它对技术没有规则限制,比赛时,运动员多采用最快的爬泳技术,致使人们把爬泳也称为自由泳。故本题答案选A。30.英国首相丘吉尔在战场上对将士们说过,我们该投降时,一定要心平气和地去投降,学会投降是一门学问因为我们总可以再来!我们得为再来做准备!而中国文化不赞成失败和投降,中国的教育更是一味宣传成功。尤其是现代人的观念,越来越把成功奉为神灵,失败视为可耻。其实,在许多领域,许多时候,失败与无能与错误,都不应该画等号。文段意在告诉我们( )。A.丘吉尔的失败观B.成王败寇的思想已经过时C.中国教育不应过分宣传成功D.要正确看待失败答案:D 本题解析:文段先借丘吉尔之口指明要心平气和地面对投降;接着指出中国文化信奉成王败寇论,一味宣传成功;最后点明,很多时候失败不等同于无能与错误。故作者意在告诉我们的是要正确看待失败。故答案选D。31.某次会议,昨天参加会议的男代表比女代表多700人,今天男代表减少10%,女代表增加 了 5%,今天共1995人出席会议,那么昨天参加会议的有( )人。A.2000B.1900C.2100D.2200答案:C 本题解析:1995700X(110%)是昨天女代表人数的(1+5%)+(110%),故昨天参加会议的有:1995700X(110%)+(110%)+(1+5%)X2+700=1365195%X2+700=2100(人)。32.Questions 7 175 refer to the following information.Family caregivers of seniors should be cognizant of stress as it relates to their loved ones. Knowing t
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