建設銀行聘請考試真題（回憶版）

以下是2024年考試的真題內容:

從難度上看，綜合測試二匕公務員要簡潔不少，特殊是數學、資料分析。英語也許與

六級難度相當，也不算難。

能拉開距離的應當是專業測試，因為建行的專業考試范圍很廣，涉及到了金融、經

濟、管理、市場營銷、財務會計、計量經濟學等各個學科，要想全面覆蓋這些學問

面，須要平常的積累。

專業題涉及下面的內容：

1、法定打算金率

2、財政貨幣政策

3、歐式期權

4、巴塞爾協議三大支柱

5、參數估計和殘差

6、企業文化

7、金融市場的要素

8、即期和遠期

9、商品的需求彈性

10、財務報表

11、盈余公積

12、會計利潤

13、商業票據貼現

14、公允價值和賬面價值

15、市場細分

16、金字塔管理結構中，上級與中級領導比：管理難度與幅度問題

17、非貨幣性商品交換中關于具有商業實質和沒有商業實質的問題

18、主動的財政政策與擴張的貨幣政策的運用范圍

19、國家償債的率

20、財務杠桿問題

21、關于物權法中的留置權

22、市場占有率：某公司的市場占有率是30%,其他最大三個競爭對手的市場占有

率分別為20%,12%,8%。問該公司的相對市場占有率

23、有限責任公司股東轉讓股份的條件

24、信用卡信用額度的確認

25、銀行整存整取問題

26、貨幣市場工具

27、企業戰略：當企業處于成長期應當：擴大市場占有率？

28、哪個屬于會計政策變跟：房地產由成本法改為公允價值？不記得了

29、關于內部欺詐問題

30、新巴賽爾協議中關于逾期貸款的風險權重

31、商業銀行法中關于客戶貸款的問題

32、公司申請貸款不需審核的什么。。。。。。

33、關于歐式看漲期權說法正確的是：利率上漲及期權時間等對期權價格的影響

34、回購債券價格的確定因素

英語有三篇閱讀理解：

1、第一篇是反戰的

2、其次篇是關于美元貶值的

3、第三篇是關于網絡出版的

據說是考研和六級題，在網上一查，果真是的。所以能給大家奉上完整的題目！

美元貶值那一篇的語言非常冷幽默，挺有意思的。

Text2

Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you'renot

aninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumping

toa26-yearlowagainstthepound,already-expensiveLondonhasbecomequite

unaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUni:ed

States,runsabout$8.

Theonceall-powerfiildollarisn'tdoingaTitanicagainstjustthepound.Itissittingata

recordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.Eventhe

ArgentinepesoandBrazilianrealarethrivingagainstthedollar.

Theweakdollarisasourceofhumiliation,foranation'sself-esteemrestsinpartonthe

strengthofitscurrency.It'salsoapotentialeconomicproblem,sinceadecliningdollar

makesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.And

yettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslike

Coca-Colatomom-and-poprestaurantoperatorsinMiami-forwhichtheweakdollaris

mostexcellentnews.

ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthathasbecomehostileto

foreigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.

ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.

Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2000peak?

ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-as

acheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocals

can'taffordtojointhemerrymaking.

Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,which

thanksinparttotheweakdollar,soared11percentbetweenMay2024andMay2024.

Forfirstfivemonthsof2024,thetradedeficitactuallyfell7percentfrom2024.

IfyouownsharesinlargeAmericancorporations,you'reawinnerinthewcak-dollar

gamble.LastweekCoca-Cola'sstickbubbledtoafive-yearhighafteritreporteda

fantasticquarter.Foreignsalesaccountedfor65percentofCoke'sbeveragebusiness.

OtherAmericancompaniesprofitingfromthistrendincludeMcDonald'sandIBM.

Americantourists,however,shouldn'texpectanyreliefsoon.Thedollarloststrengththe

waymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon'ttunion

adime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,

cancelthatsummervacationtoEnglandandlooktoNewEngland.There,thedollaris

stilltreatedwithalittlerespect.

52.WhydoAmericansfeelhumiliated?

A)TheireconomyisplungingB)Theycan'taffordtripstoEurope

C)TheircuirencyhasslumpedD)Theyhavelosthalfoftheirassets.

53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?

TheyhavetocanceltheirvacationsinNewEngland.

Theyfinditunaffordabletodineinmom-and-poprestaurants.

Theyhavetospendmoremoneywhenbuyingimportedgoods.

Theymightlosetheirjobsduetopotentialeconomicproblems.

54HowdomanyEuropeansfeelabouttheU.Swiththedueddollar?

Theyfeelcontemptuousofit

Theyaresympatheticwithit.

Theyregarditasasuperpoweronthedecline.

Theythinkofitasagoodtouristdestination.

55whatistheauthor'sacvicetoAmericans?

Theytreatthedollarwithalittlerespect

Theytrytowinintheweak-dollargamble

Theyvacationathomeratherthanabroad

Theytreasuretheirmarriagesallthemore.

56Whatdocstheauthorimplybysaying“currenciesdon'tturnonadime”(Line2,Para

7)?

Thedollar'svaluewillnotincreaseintheshortterm.

Thevalueofadollarwillnotbereducedtoadime

Thedollar'svaluewilldrop,butwithinasmallmargin.

FewAmericanswillchangedollarsintoothercurrencies.

Theanswersasfollow:

52,B,Theircurrencyhasslumped.

53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.

54,D,Theythinkofitasagoodtouristdestination.

55,C,Theyvacationathomeratherthanabroad.

56,A,Thedollar'svaluewillnotincreaseintheshortterm.

Text3

Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthe

laboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwould

thenremovetheauthors,namesandaffiliationsfromthepaperandsendittotheirpeers

forreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperfor

publicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchers

seekingknowledgeoftheresultswouldhavetosubscribetothejournal.

Nolonger.TheInternet-andpressurefromfundingagencies,whoarequestioning

whycommercialpublishersaremakingmoneyfromgovernment-fundedresearchby

restrictingaccesstoit-ismakingaccesstoscientificresultsareality.TheOrganization

forEconomicCo-operationandDevelopment(OECD)wasjustissuedareportdescribing

thefar-rcachingconsequencesofthis.Thereport,byJohnHoughtonofVictoria

UniversityinAustraliaandGrahamVickeryoftheOECD,makesheavyreadingfor

publisherswhohave,sofar,madehandsomeprofits.Buiitgoesfurtherthanthat.It

signalsachangeinwhathas,untilnow,beenakeyelementofscientificendeavor.

Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,

inpart,uponwidedistributionandreadyaccess.Itisbigbusiness.InAmerica,thecore

scientificpublishingmarketisestimatedatbetween$7billionand$11billion.The

InternationalAssociationofScientific,TechnicalandMedicalPublisherssaysthatthere

aremorethan2,000publishersworldwidespecializinginthesesubjects.Theypublish

morethan1.2millionarticleseachyearinsome16,000journals.

Thisisnowchanging.AccordingtotheOECDreport,some75%ofscholarly

journalsarcnowonline.Entirelynewbusinessmodelsarcemerging;threemainones

wereidentifiedbythereport'sauthors.Thisistheso-calledbigdeal,whereinstitutional

subscriberspayforaccesstoacollectionofonlinejournaltitlesthroughsite-licensing

agreements.Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(or

hisemployer)topayforthepapertobepublished.Finally,thereareopen-accessarchives,

whereorganizationssuchasuniversitiesorinternationallaboratoriessupportinstitutional

repositories.Othermodelsexistthatarehybridsofthesethree,suchasdelayed

open-access,wherejournalsallowonlysubscriberstoreadapaperfbrthefirstsixmonths,

beforemakingitfreelyavailabletoeveryonewhowishestoseeit.Allthiscouldchange

thetraditionalformofthepccr-revicwprocess,atleastforthepublicationofpapers.

6.Inthefirstparagraph,theauthordiscusses

|A|thebackgroundinlormationofjournalediting.

[B]thepublicationroutineoflaboratoryreports.

[C]therelationsofauthorswithjournalpublishers.

[D]thetraditionalprocessofjournalpublication.

7.WhichofthefollowingistrueoftheOECDreport?

[A]Itcriticizesgovernment-fundedresearch.

[B]Itintroducesaneffectivemeansofpublication.

[C]Itupsetsprofit-makingjournalpublishers.

[D]Itbenefitsscientificresearchconsiderably.

8.Accordingtothetext,onlinepublicationissignificantinthat

[A]itprovidesaneasieraccesstoscientificresults.

[B]itbringshugeprofitstoscientificresearchers.

[C]itemphasizesthecrucialroleofscientificknowledge.

[D]itfacilitatespublicinvestmentinscientificresearch.

9.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto

[A]coverthecostofitspublication.

[B]subscribetothejournalpublishingit.

[C]allowotheronlinejournalstouseitfreely.

[D]completethepeer-reviewbeforesubmission.

10.Whichofthefollowingbestsummarizesthemainideaofthepassage?

[A]TheInternetisposingathreattopublishers.

[B]Anewmodeofpublicationisemerging.

[C]Authorswelcomethenewchannelforpublication.

[D]Publicationisrenderedeasierbyonlineservice.

參考答案：DCAAB

26.Inthefirstparagraph,theauthordiscusses

[A]thebackgroundinformationofjournalediting.

thepublicationroutineoflaboratoryreports.

[C]therelationsofauthorswithjournalpublishers.

|D]thetraditionalprocessofjournalpublication.

[正確答案]D

[答案解析]概括段落大意。本文談的是通過互聯網發表探討成果的一種新方式，

指出了三大業務模式。第一段先談傳統的雜志出版(論文發表)流程，以此引出話

題，所以正確答案是D°A選項journalediting沾點邊，但不吻合。做這類題及主題

題型可以運用逆向法，即思路是：假如真要寫journalediting的，那應當從如何編輯,

如何取舍及一些編輯的細微環節入手，而本段明顯不是。B離題更遠，試驗報告，

從何談起呀？C作者與雜志社的關系，這個流程是涉及到，但要談的不是這個。總

之，此題從本段的內容,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。

[信念指數]99.9%

27.WhichofthefollowingistrueoftheOECDreport?

[A]Itcriticizesgovernment-fundedresearch.

Itintroducesaneffectivemeansofpublication.

[C]Itupsetsprofit-makingjournalpublishers.

|D]Itbenefitsscientificresearchconsiderably.

[正確答案]C

[答案解析]A確定不對，報告并未指責政府資助的探討,是fundingagencies指責

commercialpublishers,也就是這些資助一些探討項目的機構質詢商業出版機構，我

出錢，是為社會受益，咋變成你受益了呢？這個選項錯在張冠李戴。B也不對，報

告引進(introduces)了一種新的出版方式嗎?不是它吧？誰呢?TheInternetis

makingaccesstoscientificresultsarealily.是Internet,對吧？C正確。Why?事實上是

考對這句話的理解：Thsreportmakesheavyreadingfbrpublishers.uheavyreading”是

啥意思呢？費勁的閱讀。此處的heavy意為hardtodooraccomplish;arduouso字面

的意思是，這個報告讓獲得巨大利潤的出版商們讀起來費勁。為什么讀起來費勁啊？

是他們的詞匯量不夠讀不懂嗎？當然不是，結合文章所述內容，是因為這個報告直

指要害，觸及了他們。讀出了這層意思，C選項當然就可以大膽選啦！D選項不對,

全文核心愿思，是互聯網出版方式會給科學探討帶來巨大的好處，使得科學成果更

簡潔被人共享。并不是這個報告本身對科學探討帶來多大好處。當然啦，這個報告

既然指出了這個趨勢，或多或少總能讓科研受益一些，但留意命題者還刻意加了一

個considerably,一篇報告能有如此“相當的”作用？

［信念指數］99.9%

28.Accordingtothetext,onlinepublicationissignificantinthat

［A］itprovidesaneasieraccesstoscientificresults,

itbringshugeprofitstoscientificresearchers.

|C］itemphasizesthecrucialroleofscientificknowledge.

|D|itfacilitatespublicinvestmentinscientificresearch.

［正確答案］A

［答案解析］文中兩句話確定A正確,一是TheInternetismakingaccesstoscientific

resultsareality.二是Thevalueofknowledgeandthereturnonthepublicinvestmentin

researchdepends,inpart,uponwidedistributionandreadyaccess.也就是學問的價值

在于其廣泛傳播和即時獲得，而互聯網使得科學成果的很簡潔獲得變為現實。這不

就是基于互聯網的在線出版的重大意義嗎！B不對，因為文章始終沒有談論探i寸者

的獲利問題，要說談，它也只是談了scientificpublishingmarket是一個bigbusiness。

而且，在線學術期刊的其次種業務模式(open-accesspublishing),還得探討者自己

掏腰包的！科學學問本身無比重要的作用不在本文探討范圍，C不對。促進對科學

探討的公共投資也無從談起，D亦被輕松解除。

［信念指數］99.9%

29.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto

［A］coverthecostofitspublication,

subscribetothejournalpublishingit.

［C］allowotheronlinejournalstouseitfreely.

［D］completethepeer-reviewbeforesubmission.

［正確答案］A

［答案解析］考對這句話的理解:Thereisopcn-accesspublishing,typicallysupported

byaskingtheauthor(orhisemployer)topayforthepapertobepublished.通過作者本

人(或其老板)付費發表的方式支持開架在線閱覽，留意，這里的付費，付什么費

用呀？付給出版網站的費嗎？我的想應當是發表論文的探討費用，A選項所指即這

個，當然這是題外話。B乃空穴來風，毫無依據。C有確定的干擾性，原來這層意

思本文也是只字示提，但既然是open-accesspublishing嘛，那用戶應當是可以免費

運用的。但是不是0theronlinejournals也可以免費運用呢（轉載等），這好像就走

得遠了點，原文并未供應這方面的信息，解除。D近項輕松解除。

［信念指數］99.9%

30.Whichofthefollowingbestsummarizesthemainideaofthepassage?

［A］TheInternetisposingathreattopublishers.

Anewmodeofpublicationisemerging.

|C］Authorswelcomethenewchannelforpublication.

［D］Publicationisrenderedeasierbyonlineservice.

［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選項正

確。A選項不對，應當說互聯網對傳統出版行業構成威逼，但不威逼出版本身，在

線