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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
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