2012年广发银行招聘考试笔试试卷完整真题及答案解析B卷.doc

2012年广发银行招聘考试笔试试卷完整真题及答案解析B卷第一部分 性格倾向测试略第二部分 英语能力测试一、 语法选择 25个1. If the lessor makes an equity investment equal to 20% of the equipment's original cost, and borrows the remaining 80% from a long-term creditor, and writes a noncancelable lease for the equipment, such lease is called a _. A. operating leaseB. leveraged leaseC. direct-financing leaseD. sales-type lease 2. The interest rate for borrowing funds from inter-bank market is close to, but always slightly _ the rate that is available from the central bank. A. lower than B. higher thanC. as high as D. not as high as3. _ is a financial market in which securities that have been previously issued can be resold. A. A primary market B. A secondary market C. A issuing market D. The capital market4. Of the challenging issues in Internet banking, which people care most, is _. A. the provision of a secure platform for banking transactions B. whether management has the creativity and vision to harness the technology C. how to deliver high-quality products for the customers' convenience D. whether management has the ability to satisfy customers' continually changing financial needs5. From a Chinese Bank's point of view, the currency account which it maintains abroad is known as _, while a RMB account operated in China for a foreign bank is termed _. A. a vostro account; a nostro accountB. a mirror account; a nostro account C. a nostro account; a vostro accountD. a vostro account; a mirror account6. If _, such a situation is called break-even. A. contribution margin= fixed costsB. contribution margin=total costs C. profit=expenseD. sales revenue=variable cost7. Foreign-funded enterprises may retain their export earnings if those earnings _. A. get after SAFE approvesB. will be remitted abroad C. will be invested in local areaD. do not exceed the limit set by the SAFE8. BOT is an abbreviated form of _. A. build-or-technologyB. build-operate-transfer C. build-operate-technologyD. benefit-operate-transfer9. _ is the foundation of private accounting, which analyzes a business's costs to help managers control expenses. A. BudgetingB. Management information system C. Internet auditingD. Cost accounting10. Underwriting simply means that the investment banker promises to _ the securities.A. buyB. sellC. designD. Issue11. of countries belonging to GATT approved the agreement yesterday in Geneva. A) Represents B) Representations C) Representatives D) Representing 12. Officials of the Sydney head of office will hold a conference to talk about goals for the next ten years. A) them B) their C) theirs D) they 13. As a customer service representative, Mrs. Lee tried to solve complaints from customers before asking for _ supervisor's advice. (A) she B) her C) hers D) herself 14 Mr. Alfred and I extend thanks to those that have helped this project in the past. (A) us (B) ours (C) our (D) ourselves 15. Pioneer Corp. is considering- the release of the new equipment scheduled for later this month. (A)postponing (B) postpone (C) to postpone (D) postponement 16. The company's business plan includes - revenue from magazine and event promotions designed to help recruiters find qualified applicants. (A) draw (B) drawing (C) to draw (D) drawer 17. This guideline is intended to - information about our databases and to provide a clear definition of how these database get updated and who has responsibilities (A) clarification (B) classified (C) cleared (D) clarify 18. As of July 7, basic monthly telephone service will increase by 1.50 due to the new federal telecommunication tax, - state-to-state long-distance rates will decrease an average of 10 percent. (A) otherwise (B) therefore (C) however (D) in addition to 19. He makes 20 an hour, has more work than he can handle. (A) and (B) than (C) so (D) but 20. Their products are known not only for their low price, _ for their high quality. (A) but (B) but also (C) and also (D) as well as 21. Our order of high-speed computers is scheduled to arrive _ today or tomorrow. (A) or (B) on (C) both (D) either 22. _ Jane and Mary like different things, they are great friends. (A) Since (B) Despite (C) For (D) Although 23. This rural town has _ small population that the mail carrier knows where everyone lives. (A) too (B) a so (C) very (D) such a 24. _ the president is going to say in his speech tonight will affect all of us. (A) What (B) That (C) So (D) While 25. It matters little who finds the truth - the truth is found. (A) because (B) so that (C) so long as (D) as答案：B B BA C A D B C A ,CBBCA BDCAB DDDAA二、 完形填空 10个Passage One Another way of distinguishing markets is on the basis of the _1_of the securities in each market. The _2_ is a financial market in which only short-term debt instruments are traded. The _3_ is the market in which longer-term debt and equity instruments are traded. The securities in the former are usually more widely traded than those in the latter and so tend to be _4_. In addition, short-term securities have _5_fluctuations in prices than long-term securities, making them safer investments.1 A. volumeB. maturityC. issuing procedureD. kind2. A. money marketB. capital marketC. primary marketD. secondary market3. A. money market B. capital marketC. primary market D. secondary market4.A. more solvent B. more riskC. more liquid D. safer5 A. volatile B. violentC. wider D. smallerPassage Two In documentary credit operations, all parties concerned deal in _6_ and not in _7_. The banks check exclusively on the basis of documents _8_to them to see whether the terms of the credit have been fulfilled. They are _9_to verify whether the goods supplied actually agree with those specified in the credit, _10_differences, say, between the goods invoiced and those actually delivered, nor answerable to the buyers' complaints about these differences. It is up to the buyers and sellers to settle questionables of this nature between themselves.6. A. goodsB. creditsC. documentsD. contracts7. A. goodsB. creditsC. documentsD. contracts8. A. deliveredB. presentedC. deliverD. release9. A. responsibleB. not responsibleC. boundD. willing10. A. nor liable forB. or liable forC. nor liable toD. or liable to答案：B , A , B , C , D , C , A , B , B , A ,三、阅读理解 5个Questions 1 to 5 are based on the following passage:Material culture refers to the touchable, material “things”physical objects that can be seen, held, felt, usedthat a culture produces. Examining a cultures tools and technology can tell us about the groups history and way of life. Similarly, research into the material culture of music can help us to understand the music-culture. The most vivid body of “things” in it, of course, are musical instruments. We cannot hear for ourselves the actual sound of any musical performance before the 1870s when the phonograph was invented, so we rely on instruments for important information about music-cultures it the remote past and their development. Here we have two kinds of evidence: instruments well preserved and instruments pictures in art. Through the study of instruments, as well preserved Paintings, written documents, and so on, we can explore the movement of music from the Neat East to China over a thousand years ago, or we can outline the spread of Near eastern influence to Europe that results in the development of most of the instruments on the symphony orchestra.Sheet music or printed music, too is material culture. Scholars once defined folk music-cultures as those in with people learn and sing music by ear rather than from print, but research show mutual influence among oral and written sources during the past few centuries in Europe, Britain, and America, printed versions limit variety because they tend to standardize any song, yet they stimulate people to create new and different songs. Besides, the ability to read music notation has a far-reaching effect on musicians and, when it becomes widespread, on the music-culture as a whole.One more important part of musics material culture should be singled out the influence of the electronic media-radio, record player, tape recorder, television, and videocassette, with the future promising talking and singing computers and other developments. This all part of the “information revolution,” a twentieth century phenomenon as important as the industrial revolution was in the nineteenth. These electronic media are not just limited to modem nations; they have affected music-cultures all over the globe.1. Research into the material culture of a nations of great importance _.A) it helps produce new cultural tools and technologyB) it can reflect the development of the nationC) it helps understand the nations Fast and presentD) it can demonstrate the nations civilization2. It can be learned from this passage that _.A) the existence of the symphony was attributed to the spread of Near Eastern and Chinese musicB) Near Eastern music had influence on the of the instruments in the symphony orchestraC) the development of the symphony shows the mutual influence of Eastern and Western musicD) the musical instruments in the symphony basis of Near Eastern music3. According to the author, music notation is important because _.A) it has a great effect on the music-culture as more and more people are able to read itB) it tends to standard folk sings when it is used by folk musiciansC) it is the printed version of standardized folk musicD) it encourages people to popularize printed versions of songs4. It can be concluded from the passage that the introduction of electronic media into the world of music _.A) has brought about an information revolutionB) has speeded up the arrival of a new generation of computersC) has given rise to new forms of music cultureD) has given to the transformation of traditional musical instruments5. Which of the following best summarized the main idea of the passage?A) Musical instruments developed through the years will sooner later be replaced by computers.B) Music cannot be passed on to future generation unless it is recorded.C) Folk songs cannot spread far unless they are printed on music sheets.D) The development of music culture is highly dependent or its material aspect. 答案：1. C2. B3. A4. C5. D第三部分 综合能力测试一、 言语理解 25个 1.过度自信、不切实际、服务政治这些针对经济学家的批评或许只是稍微夸大了一些。他们奉行一种无论是原始数据还是自身技能都无法达到的准确。纳西姆?尼古拉斯?塔利布说:“我们必须避免让社会建立在愚蠢经济学家的预测上。”定量金融学专家保罗?威莫特的说法是:“经济学家们的模式糟透了。他们完全忽视了人为因素有多么重要。”面对潮水般的批评声音，人们似乎应该忽视整个学术界。但这并不可能。原因之一是，如何走出危机和避免重蹈覆辙都需要一代人贡献他们的最大智慧。本段文字主要表达的观点是( )。A.要宽容理性地对待经济学家B.经济学者们要知耻而后勇，为经济振兴贡献智慧C.学术界需齐心协力，恢复经济D.经济学家的价值不容忽视2.社区商业是城市商业的基础，是满足居民综合消费的重要载体。加快发展社区商业，是提升城市商业现代化和综合竞争力的迫切要求。因此，发展和完善社区商业，对现有社区商业网点进行系统性、科学性和高效性的整合，构建我国现代社区商业网络，是满足社区居民日常生活需求，提高居民生活质量的重要举措。这段话的主旨是( )。A.构建我国现代社区商业网络，是满足社区居民日常生活需求的需要B.加快发展我国社区商业，是提升城市商业现代化和综合竞争力的迫切要求C.社区商业是满足居民综合消费的重要载体D.社区商业是城市商业的基础3.在女性高管为何屈指可数这一问题上，华尔街日报的卡罗尔?希莫威茨和蒂莫西?舍尔哈德特用了“玻璃天花板”这个比喻，来描述女性在晋升到一定职位高度时必然会遭遇的一道障碍。如今，这个比喻已经不合时宜了。一方面，女性出任首席高管、大学校长、州长甚至国家总统早已有了先例，另一方面，女性在职业发展道路上遭遇到的不仅仅只有最后那道障碍。如今有了一个更为恰当的比喻来形容女性在职业发展上所遇到的种种阻碍，那就是“迷宫”。“迷宫”这个比喻意在表明( )。A.女性在职业发展中会遇到各种阻碍B.“玻璃天花板”的比喻已经不合时宜C.女性晋升到一定职位高度时必然遭遇障碍D.女性职业发展中阻碍重重，但仍有可能晋升高管4.一些人有这样一种思想误区，即只讲“实现自身价值”，不讲“提高自身价值”。人当然天生就有价值，这价值应当重视，但还有待提高。提高不能靠包装与炒作，必须要真正提高质量，具体表现无非就是德与才。这两方面的提高，只有通过克己修身。“玉不琢，不成器”，人不克己修身，如何能成“大器”?所以孟子说:“天将降大任于斯人也，必先苦其心志，劳其筋骨，饿其体肤，空乏其身，行拂乱其所为，所以动心忍性，曾益其所不能。”不经艰苦磨炼，如何能“曾益其所不能”?这段文字意在( )。A.澄清对待自身价值的思想误区B.强调德才兼备是人才质量的核心C.批评某些人一味自我包装炒作的行为D.阐明克己修身对提高自身价值的重要意义5.根据中国政府的“十一五”规划，到2010年，信息产业总收入将从2005年的人民币4.4万亿元提高到10万亿元，其工业增加值占国内生产总值比重将由7.2%提高到10%以上。从网络普及率看，尽管中国网民数量已超越美国，但互联网普及率仅为25.5%，大大低于美国的70%。中国若追平70%的互联网普及率，则还将增加3亿至4亿的互联网用户。本段文字主要表明( )。A.互联网企业已成为中国高科技产业的重要支柱B.中国互联网的普及率有待提高C.中国信息产业增长空间巨大D.中国信息产业竞争优势明显6.好的藏品首先得有个性，没有个性的藏品就算不是赝品，起码也是庸品。青春期的孩子，几乎没有一个认为自己是庸品的，可家长们很多时候却对自家的“藏品”缺乏信心。其实藏品的价值并不取决于你看得顺眼不顺眼，而在于它自身的存世量与工艺特质。要想让你家的“藏品”日后升值，就得发掘出他自身的特点与风格。以上文字想表达的观点是( )。A.藏品的价值在于它自身的存世量与工艺特质B.家长应该按照孩子自身的特点去培养孩子C.家长应该对自己的孩子充满信心D.每种事物都有其自身的特点，孩子也一样7.健康与安全理事会所收集到的数字似乎支持这样一个非常流行的观点，即:我们已受到压力流行病的袭击。1990年的劳动力调查显示，有182700人占整个劳动力人口的1%相信，他们正患有与工作有关的紧张、焦虑或抑郁。5年后同样的调查显示，这一数字已上升至28万，增长了30%，另外还有25万人自诉患有与压力有关的身体疾病。给这段文字加入一个最恰当的标题( )。A.压力:现代流行病B.压力:健康的杀手C.警惕压力D.压力与疾病8.由于华尔街的声望和各类金融产品的资信大跌，“两房”等金融机构所发行的债券变得无人问津，上周房利美债券收益率比同期国债高出1.8%(9月份仅高出O.7%)，投资者仍敬而远之。这种状况所造成的结果，便是证券市场资金流的呆滞，由此产生了一系列严重后果:成千上万的美国人突然发现，自己没办法搞到贷款了，不论买房、购车还是上学都变得困难重重，因为那些原本提供相关金融服务的机构，如今因债券滞销，变得囊空如洗。对本段文字主旨概括最准确的一项是( )。A.金融危机给美国的金融市场带来重创B.美国债券滞销且后果严重C.华尔街声望以及金融产品资信下跌吓跑投资者D.证券市场资金呆滞，投资者敬而远之9.多少年来，我们这个社会在法律意识不断增强的同时，人们的正义感和同情心却渐渐被冷冰冰的责任防范意识所淹没，法治的真实含义渐渐被扭曲。“法律是无情的”这句在所有诉诸法庭的案件中被最为广泛地引用的“经典”语句让人们将“法”和“情”决然地分开了，让人们觉得“义愤”、“感动”、“同情”这样一些情感是不应该出现在涉法行为中的，尤其不该出现在司法、执法人员身上。通过这段文字作者最想表达的观点是( )。A.对法的认识要回归本质B.司法、执法人员判断案情不能对受害、痛苦等现象无动于衷C.法律判决需要注人人性关怀D.法与情相辅相成，不可分割10.信息科学、生命科学、物质科学等的飞速发展为人类开拓了极其光明的前景。新能源和新材料近年来层出不穷。纳米材料、转基因作物和智能机器人的普遍使用推动了新的产业革命。10年来的经济繁荣即是最有说服力的例证。如今癌症和艾滋病已得到有效控制，载人火箭已在火星登陆，飞行汽车已经投人生产，太空旅游也成为一项产业。自由经济不但释放了人类巨大的积极性和创造性，而且通过它自身的内在力量调节了全球的供求关系和贫富关系。这段文字意在强调( )。A.近年来人类在各个方面取得了重大的成就B.科学技术对推动人类社会进步的重大作用C.科学万能论D.自由经济对人类的巨大贡献11.只需轻点鼠标，我们就可把莎士比亚所有作品免费下载到电脑里，但有耐心在屏幕前把它仔细读完的人，100个人里恐怕都挑不出一个。研究表明，显示屏与纸张在物理性质上的不同，直接决定了人们无法从电脑上获得传统的阅读乐趣。在阅读纸质图书时，文字不会移动，可以让人平心静气，但在电脑前，鼠标点击和滚屏不可避免地会打断人的注意力，令人失去耐心，和对文字全面的把握。此外，手指在触摸纸张和显示屏时对大脑感知区域的刺激也完全不同，前者更有助于激发人的潜意识，帮助理解文字之美，而不仅止步于获得信息。这段文字旨在表达的是：A.电子书与传统阅读效果的区别B.电子阅读有别传统阅读方式的特点C.电子阅读不如传统阅读方式有趣D.传统阅读具有电子阅读无法比拟的优势12.当年韩愈被贬到潮州做刺史，虽然只有8个月的时间，却不怕费力，大力兴办州学，捐出所有的俸银，用作办学费用，并积极推广唐朝的普通话，“以正音为潮人诲”。8个月后，韩愈就调离了潮州，几乎没有什么“政绩”可言，然而他给潮州留下了巨大的精神财富。到南宋时，潮州已是文化名城，有了“海滨邹鲁”的美誉。这段文字意在说明：A.语言规范化是一项长期的工作 B.潮州成为历史文化名城的原因C.文化建设对城市有深刻的影响 D.评价官员不应只看短期的政绩13.古希腊和古代中国相似的经验知识曾产生了相似的理论洞察力，比如亚里士多德和墨经对杠杆原理的认识。但是，古希腊的初始力学理论很快发展成理论知识的综合体，而中国墨家的力学传统在战国之后就中断了。不擅长观察、认识物体运动并形成系统的理论，这是中国古代科学传统中一个明显的“软肋”。相比之下，中国人在解决实际问题方面的建树更加突出。这段文字意在说明：A.中国古代科学发展的特点B.中国古代科学传统中断的原因C