2013年6月银行从业考试个人理财真题及答案.pdf

e n h a n c e d so u n d th r o u g h o u t th e w h o l e p r o c e s s , i n o r d e r to G e t ri d o f c o r r u p t i o n , so th a t l e a d i n g c a d r e s o f p a r t y m e m b e r s u s u a l l y se e i t, th e m o m e n t st a n d s o u t , c r i s i s e x c l u d e d i t, a n d l e t th e m a s s e s fe e l th e l e a d e r i n e x c e l l e n c e i n sh o w i n g d u e d i l i g e n c e . E i g h t h o u r s o u t s i d e th e ri n g , a n d b e h a v i o u r . If th e w o r k e m b o d i e s th e m o r a l i t y o f l e a d i n g c a d r e s o f p a r t y m e m b e r s , th a t e i g h t - h o u r so c i a l , l i fe , re c r e a t i o n re f l e c t s th e p r i v a t e m o r a l i t y o f th e l e a d i n g c a d r e s o f p a r t y m e m b e r s . A q u a l i f i e d p a r t y m e m b e r , th e c i v i c a n d p e r s o n a l v i r t u e s th r o u g h e a c h o t h e r , c o m p l e m e n t e a c h o t h e r . W i t h th e g r a d u a l l y i n c r e a s i n g g r a s s - r o o t s p r e s s u r e , i n fa c t c a n n o t e x i s t i n d e p e n d e n t l y fr o mth e e i g h t - h o u r p e r i o d , d i d a g o o d jo b i s b e f o r e th e o t h e r s , i n a d d i t i o n to th e e i g h t - h o u r . T h o s e st a t e m e n t s i n p u b l i c p u b l i c a n d p r i v a t e st a t e m e n t s o f p r i v a t e o r o t h e r p u b l i c a n d p r i v a t e v i r t u e o p p o s i t e w o r d s , i n fa c t , d e s c r i b e s th e s e p a r t y c a d r e s b u t d e c o r a t e d w i t h a v e i l o f d e c e p t i v e , P i e r c e th e v e i l b u t e a c h h a v e th e i r o w n l i t t l e 9 9 . P a r t y c a d r e s o n l y e i g h t h o u r s th e r e ri n g , re g u l a t e th e i r o w n b e h a v i o r , tr u l y c a u t i o u s , w a r y o f th e e a r l i e r m i c r o , c a r e f u l l y , to b u i l d a g o o d p u b l i c i m a g e , g i v i n g tr u s t to p e o p l e , b e t t e r p l a y s a n e x e m p l a r y ro l e . C i r c l e o f fr i e n d s h a s a re s p o n s i b i l i t y , n u r t u r i n g fa m i l y . T h e r e i s a c r i m e i n c r i m i n a l l a w o f C h i n a c a l l e d i n f l u e n c e o f b r i b e s , l e a d i n g c a d r e s fo r th e re g u l a t i o n o f p o w e r i n f l u e n c e o f l e a d i n g c a d r e s o f re l a t i v e s a n d fr i e n d s , re c e i v i n g b e n e f i t s b e h a v i o r . In th e e y e s o f th e p e o p l e , p a r t y c a d r e s i s n o t o n l y a n i n d i v i d u a l s re l a t i v e s a n d fr i e n d s , w h i c h m o r e o r l e s s b r o u g h t th e c h i l d r e n o f c a d r e s , i d e n t i t y ri n g s to fr i e n d s a n d re l a t i v e s , fr i e n d s a n d fa m i l y d i s c i p l i n e to a l a r g e e x t e n t c a n b e se e n a s l e a d i n g p a r t y c a d r e s i n th e su n sh a d e . S o d o i n g q u a l i f i e dleading cadres awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to twolead by example, to lead by example we must change our mind, recognizing that two is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the third revolution the rise of rapid changes in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements forleading party cadres. Two is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communist Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmlybuild the ideological foundation. Under the impact ofmultiple values, the two is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so that the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communist Party, party rules, learning learning series important speech can stand crowds, General Secretary position. Now, some grass-roots work in the the old way didnt work, hard waycannot, the new approach would not phenomenon, sometimes due to a mass of party members and cadres not understanding, does not meet. In fact, the mass convincing and identityBehind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuasion and sense of identity.Two is in fact guaranteed party cadres work, an important prerequisite for convincing the masses. Bacon said it well: practical men can handle individual matters, but looking at the whole operation globally,but only man can do to knowledge.Giving up two effective, must first raise awareness of leading cadres of party members, as party members learn real responsibility to know tomusic ,good changes, in parallel with the ground, do not forgetto also answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in two learn a do in the based post do contribution in all members in the carried out learn Constitution Party rules, and learn series speech, do qualified members learning education, this is following party of mass line education practice activities and three strict three realtopic education zhihou, deepening party education of and once important practice, is promoted three strict three real topic education from keyminority to all members expand, and fromconcentrated education to regular education extends of important initiatives.Vastnumbers ofparty members and cadres in the course of two, should be本 本 节 节 主 主 要 要 写 写 课 课 程 程 所 所 讲 讲 过 过 的 的 软 软 件 件 简 简 介 介， ， 或 或 同 同 一 一 类 类 软 软 件 件 之 之 间 间 的 的 比 比 较 较 等 等 。 。 这 这 些 些 软 软 件 件 都 都 是 是 我 我 们 们 平 平 时 时 的 的 生 生 活 活 学 学 习 习 中 中 很 很 少 少 遇 遇 到 到 却 却 又 又 不 不 可 可 缺 缺 少 少 的 的 ， ， 他 他 与 与 我 我 的 的 生 生 活 活 办 办 公 公 息 息 息 息 相 相 关 关 、 、 密 密 不 不 可 可 分 分。 。 通 通 过 过 对 对 这 这 些 些 软 软 件 件 的 的 学 学 习 习 ， ， 我 我 们 们 能 能 够 够 更 更 方 方 便 便 的 的 运 运 用 用 我 我 们 们 的 的 电 电 脑 脑 ， ， 使 使 得 得 网 网 络 络 化 化 电 电 子 子 化 化 更 更 加 加 迅 迅 速 速 、 、 便 便 捷 捷 ， ， 接 接 下 下 来 来 就 就 让 让 我 我 们 们 来 来 一 一 一 一 看 看 看 看 和 和 学 学 习 习 这 这 些 些 小 小 软 软 件 件 、 、 大 大 作 作 用 用 吧 吧 。 。e n h a n c e d so u n d th r o u g h o u t th e w h o l e p r o c e s s , i n o r d e r to G e t ri d o f c o r r u p t i o n , so th a t l e a d i n g c a d r e s o f p a r t y m e m b e r s u s u a l l y se e i t, th e m o m e n t st a n d s o u t , c r i s i s e x c l u d e d i t, a n d l e t th e m a s s e s fe e l th e l e a d e r i n e x c e l l e n c e i n sh o w i n g d u e d i l i g e n c e . E i g h t h o u r s o u t s i d e th e ri n g , a n d b e h a v i o u r . If th e w o r k e m b o d i e s th e m o r a l i t y o f l e a d i n g c a d r e s o f p a r t y m e m b e r s , th a t e i g h t - h o u r so c i a l , l i fe , re c r e a t i o n re f l e c t s th e p r i v a t e m o r a l i t y o f th e l e a d i n g c a d r e s o f p a r t y m e m b e r s . A q u a l i f i e d p a r t y m e m b e r , th e c i v i c a n d p e r s o n a l v i r t u e s th r o u g h e a c h o t h e r , c o m p l e m e n t e a c h o t h e r . W i t h th e g r a d u a l l y i n c r e a s i n g g r a s s - r o o t s p r e s s u r e , i n fa c t c a n n o t e x i s t i n d e p e n d e n t l y fr o mth e e i g h t - h o u r p e r i o d , d i d a g o o d jo b i s b e f o r e th e o t h e r s , i n a d d i t i o n to th e e i g h t - h o u r . T h o s e st a t e m e n t s i n p u b l i c p u b l i c a n d p r i v a t e st a t e m e n t s o f p r i v a t e o r o t h e r p u b l i c a n d p r i v a t e v i r t u e o p p o s i t e w o r d s , i n fa c t , d e s c r i b e s th e s e p a r t y c a d r e s b u t d e c o r a t e d w i t h a v e i l o f d e c e p t i v e , P i e r c e th e v e i l b u t e a c h h a v e th e i r o w n l i t t l e 9 9 . P a r t y c a d r e s o n l y e i g h t h o u r s th e r e ri n g , re g u l a t e th e i r o w n b e h a v i o r , tr u l y c a u t i o u s , w a r y o f th e e a r l i e r m i c r o , c a r e f u l l y , to b u i l d a g o o d p u b l i c i m a g e , g i v i n g tr u s t to p e o p l e , b e t t e r p l a y s a n e x e m p l a r y ro l e . C i r c l e o f fr i e n d s h a s a re s p o n s i b i l i t y , n u r t u r i n g fa m i l y . T h e r e i s a c r i m e i n c r i m i n a l l a w o f C h i n a c a l l e d i n f l u e n c e o f b r i b e s , l e a d i n g c a d r e s fo r th e re g u l a t i o n o f p o w e r i n f l u e n c e o f l e a d i n g c a d r e s o f re l a t i v e s a n d fr i e n d s , re c e i v i n g b e n e f i t s b e h a v i o r . In th e e y e s o f th e p e o p l e , p a r t y c a d r e s i s n o t o n l y a n i n d i v i d u a l s re l a t i v e s a n d fr i e n d s , w h i c h m o r e o r l e s s b r o u g h t th e c h i l d r e n o f c a d r e s , i d e n t i t y ri n g s to fr i e n d s a n d re l a t i v e s , fr i e n d s a n d fa m i l y d i s c i p l i n e to a l a r g e e x t e n t c a n b e se e n a s l e a d i n g p a r t y c a d r e s i n th e su n sh a d e . S o d o i n g q u a l i f i e dbased on their actual, striving to be learning and done markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can consciously. Constitution is the fundamental law ofthe party, party rules are party must follow the General rules. Studying and implementing the party Constitution Party rules and a series of important speech, General Secretary, is a guide to persisting and developing socialism with Chinese characteristics, is a basic work of strengthening the partys construction, but also each and every Communist Party Members obligations and solemn responsibility. These important content, for each party, must know would believe will do both. WeGeneral Secretary of the party Constitution, a series of remarks with, and hold, grasp the real learning that basis, based on the Constitution speak to issue, in accordance with the series changed the problem. Second, disciplined in line, to become law-abidingmodel. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting strength and vitality, purity and naturally much less advanced.By twoeducation, party members and cadres to keep the bottom line, not the more red lines, consciously practice the three Sunsand consciously act according to the Constitution, party rules, remains a political force, to perform party oath, atree of its own image. Three is the loyal, dare to play and play to party members. Learning is the Foundation, is the key to development is the goal. Twomain objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conviction, keep in mind that membership, learn, learn, learn go play a vanguard and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterprisingspirit, and constantly improve our own capacity and level of service, according to positions and make contributions. Hearts change, lead more strict began in the know, know as Luke Skywalker, two activities, be qualified party members both a starting point and ending point.Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, two this is State,leading by example, to lead by example to be qualified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qualified party member, most basic element is always advanced requirements themselves, using their power to push forward the cause of the party, the people and the nation. Is to the leading cadres of party members, first of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity2013 年 6 月银行从业考试个人理财真题及答案一一、单项选择题单项选择题（共共 9090 题题，每题每题 0.50.5 分分，共共 4545 分分。每题的备选项中每题的备选项中，只有一个符合题意只有一个符合题意）1、 2007 年以来，由于国内的消费物价指数屡创新高，中国人民银行从 2007 年 3 月 18 日开始连续 6 次加息，金融机构一年期存款基准利率由 252%升至 4.14%，预期未来利率水平仍将上升，此时的理财策略调整建议可以采取()。A增加股票配置B增加外汇配置C增加股票型基金配置D增加存款配置2、影响金融市场长期走势的唯一因素是（） 。A宏观经济因素B行业发展状况C企业经济效益D国际经济形势3、张先生为了给女儿准备教育储蓄金，在未来的 10 年里，每年年底都申购 10 000 元的债券型基金，年 收益率为 8%，则 10 年后张先生准备的这笔储蓄金为()元。A14 486.56B67 105.4C144 865.6D156 454.94、就投资而言，投资项目的优劣可以用收益和风险来衡量，下列指标可以用来衡量项目优劣的是()。A方差B标准差C预期收益率D变异系数5、 20 世纪 60 年代， （）提出了著名的有效市场假说理论。A哈里马柯维茨B尤金法玛C夏普、特雷诺和詹森D理查德罗尔6、在（）中，投资者寻求历史价格信息以外的信息，可能取得超额回报。A弱型有效市场B半弱型有效市场C半强型有效市场D强型有效市场e n h a n c e d so u n d th r o u g h o u t th e w h o l e p r o c e s s , i n o r d e r to G e t ri d o f c o r r u p t i o n , so th a t l e a d i n g c a d r e s o f p a r t y m e m b e r s u s u a l l y se e i t, th e m o m e n t st a n d s o u t , c r i s i s e x c l u d e d i t, a n d l e t th e m a s s e s fe e l th e l e a d e r i n e x c e l l e n c e i n sh o w i n g d u e d i l i g e n c e . E i g h t h o u r s o u t s i d e th e ri n g , a n d b e h a v i o u r . If th e w o r k e m b o d i e s th e m o r a l i t y o f l e a d i n g c a d r e s o f p a r t y m e m b e r s , th a t e i g h t - h o u r so c i a l , l i fe , re c r e a t i o n re f l e c t s th e p r i v a t e m o r a l i t y o f th e l e a d i n g c a d r e s o f p a r t y m e m b e r s . A q u a l i f i e d p a r t y m e m b e r , th e c i v i c a n d p e r s o n a l v i r t u e s th r o u g h e a c h o t h e r , c o m p l e m e n t e a c h o t h e r . W i t h th e g r a d u a l l y i n c r e a s i n g g r a s s - r o o t s p r e s s u r e , i n fa c t c a n n o t e x i s t i n d e p e n d e n t l y fr o mth e e i g h t - h o u r p e r i o d , d i d a g o o d jo b i s b e f o r e th e o t h e r s , i n a d d i t i o n to th e e i g h t - h o u r . T h o s e st a t e m e n t s i n p u b l i c p u b l i c a n d p r i v a t e st a t e m e n t s o f p r i v a t e o r o t h e r p u b l i c a n d p r i v a t e v i r t u e o p p o s i t e w o r d s , i n fa c t , d e s c r i b e s th e s e p a r t y c a d r e s b u t d e c o r a t e d w i t h a v e i l o f d e c e p t i v e , P i e r c e th e v e i l b u t e a c h h a v e th e i r o w n l i t t l e 9 9 . P a r t y c a d r e s o n l y e i g h t h o u r s th e r e ri n g , re g u l a t e th e i r o w n b e h a v i o r , tr u l y c a u t i o u s , w a r y o f th e e a r l i e r m i c r o , c a r e f u l l y , to b u i l d a g o o d p u b l i c i m a g e , g i v i n g tr u s t to p e o p l e , b e t t e r p l a y s a n e x e m p l a r y ro l e . C i r c l e o f fr i e n d s h a s a re s p o n s i b i l i t y , n u r t u r i n g fa m i l y . T h e