2018年招商银行秋季校园招聘笔试真题及答案解析.doc

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1、2018年招商银行秋季校园招聘笔试真题及答案解析第一部分英语（1-15）一、阅读理解Text 1It would be all too easy to say that Facebooks market meltdown is coming to an end. After all, Mark Zuckerbergs social network burned as much as $ 50 billion of shareholders wealth in just a couple months. To put that in context, since its debut(初次登台)o

2、n NASDAQ in May, Facebook has lost value nearly equal to Yahoo, AOL, Zynga, Yelp, Pandora, Open Table, Groupon, LinkedIn, and Angies List combined, plus that of the bulk of the publicly traded newspaper industry.As shocking as this utter failure may be to the nearly 1 billion faithful Facebook users

3、 around the world, its no surprise to anyone who read the initial public offering (IPO) prospectus(首次公开募股说明书). Worse still, all the crises that emerged when the company debuted overpriced shares, poor corporate governance, huge challenges to the core business, and a damaged brand remain today. Faceb

4、ook looks like a prime example of what Wall Street calls a falling knife that is, one that can cost investors their fingers if they try to catch it.Start with the valuation(估值). To justify a stock price close to the lower end of the projected range in the IPO, say $ 28 a share, Facebooks future grow

5、th would have needed to match that of Google seven years earlier. That would have required increasing revenue by some 80 percent annually and maintaining high profit margins all the while.Thats not happening. In the first half of 2012, Facebook reported revenue of $ 2.24 billion, up 38 percent from

6、the same period in 2011. At the same time, the companys costs surged to $ 2.6 billion in the six-month period.This so-so performance reflects the Achilles heel of Facebooks business model, which the company clearly stated in a list of risk factors associated with its IPO: it hasnt yet figured out ho

7、w to advertise effectively on mobile devices, the number of Facebook users accessing the site on their phones surged by 67 percent to 543 million in the last quarter, or more than half its customer base.Numbers are only part of the problem. The mounting pile of failure creates a negative feedback lo

8、op that threatens Facebooks future in other ways. Indeed, the more Facebooks disappointment in the market is catalogued, the worse Facebooks image becomes. Not only does that threaten to rub off on users, its bad for recruitment and retention of talented hackers, who are the life blood of Zuckerberg

9、s creation.Yet the brilliant CEO can ignore the sadness and complaints of his shareholders thanks to the super-voting stock he holds. This arrangement also was fully disclosed at the time of the offering. Its a pity so few investors apparently bothered to do their homework.1. What can be inferred ab

10、out Facebook from the first paragraph?A. Its market meltdown has been easily halted.B. It has increased trade with the newspaper industry.C. It has encountered utter failure since its stock debut.D. Its shareholders have invested $ 50 billion in a social network.2. The crises Facebook is facing _.A.

11、 have been disclosed in the IPO prospectusB. are the universal risks Wall Street confrontsC. disappoint its faithful usersD. have existed for a long time3. To make its stock price reasonable, Facebook has to _.A. narrow the IPO price rangeB. cooperate with GoogleC. keep enormously profitableD. inves

12、t additional $ 2.6 billion4. It can be inferred from the context that the “Achilles heel” (Line 1, Para. 5) refers to _.A. deadly weaknessB. problem unsolvedC. indisputable factD. potential risk5. What effect will Facebooks failure in the market have?A. Its users benefits will be threatened.B. Talen

13、ted hackers will take down the website.C. The CEO will hold the super-voting stock.D. The companys innovation strength will be damaged.Text 2Ill admit Ive never quite understood the obsession(难以破除的成见)surrounding genetically modified (GM) crops. To environmentalist opponents, GM foods are simply evil

14、, an understudied, possibly harmful tool used by big agricultural businesses to control global seed markets and crush local farmers. They argue that GM foods have never delivered on their supposed promise, that money spent on GM crops would be better channeled to organic farming and that consumers s

15、hould be protected with warning labels on any products that contain genetically modified ingredients. To supporters, GM crops are a key part of the effort to sustainably provide food to meet a growing global population. But more than that, supporters see the GM opposition of many environmentalists a

16、s fundamentally anti-science, no different than those who question the basics of man-made climate change.For both sides, GM foods seem to act as a symbol: youre pro-agricultural business or anti-science. But science is exactly what we need more of when it comes to GM foods, which is why I was happy

17、to see Nature devote a special series of articles to the GM food controversy. The conclusion: while GM crops havent yet realized their initial promise and have been dominated by agricultural businesses, there is reason to continue to use and develop them to help meet the enormous challenge of sustai

18、nably feeding a growing planet.That doesnt mean GM crops are perfect, or a one-size-fits-all solution to global agriculture problems. But anything that can increase farming efficiency the amount of crops we can produce per acre of land will be extremely useful. GM crops can and almost certainly will

19、 be part of that suite of tools but so will traditional plant breeding, improved soil and crop management and perhaps most important of all, better storage and transport infrastructure(基础设施), especially in the developing world. (It doesnt do much good for farmers in places like sub-Saharan Africa to

20、 produce more food if they cant get it to hungry consumers.) Id like to see more non-industry research done on GM crops not just because wed worry less about bias, but also because seed companies like Monsanto and Pioneer shouldnt be the only entities working to harness genetic modification. Id like

21、 to see GM research on less commercial crops, like corn. I dont think its vital to label GM ingredients in food, but I also wouldnt be against if and industry would be smart to go along with labeling, just as a way of removing fears about the technology.Most of all, though, I wish a tenth of the ene

22、rgy thats spent endlessly debating GM crops was focused on those more pressing challenges for global agriculture. There are much bigger battles to fight.6. How do environmentalist opponents view GM foods according to the passage?A. They will eventually ruin agriculture and the environment.B. They ar

23、e used by big businesses to monopolize agriculture.C. They have proved potentially harmful to consumers health.D. They pose a tremendous threat to current farming practice.7. What does the author say is vital to solve the controversy between the two sides of the debate?A. Breaking the GM food monopo

24、ly.B. More friendly exchange of ideas.C. Regulating GM food production.D. More scientific research on GM crops.8. What is the main point of the Nature articles?A. Feeding the growing population makes it imperative to develop GM crops.B. Popularizing GM technology will help it to live up to its initi

25、al promises.C. Measures should be taken to ensure the safety of GM foods.D. Both supporters and opponents should make compromises.9. What is the authors view on the solution to agricultural problems?A. It has to depend more and more on GM technology.B. It is vital to the sustainable development of h

26、uman society.C. GM crops should be allowed until better alternatives are found.D. Whatever is useful to boost farming efficiency should be encouraged.10. What does the author think of the ongoing debate around GM crops?A. It arises out of ignorance of and prejudice against new science.B. It distract

27、s the public attention from other key issues of the world.C. Efforts spent on it should be turned to more urgent issues of agriculture.D. Neither side is likely to give in until more convincing evidence is found.Text 3There is a certain inevitability that e-book sales have now overtaken paperback sa

28、les on Amazons US site. Amazons Kindle 2 is so light and so cheap that its easy to see why people have rushed to buy it. Though Im still not keen on the design of the Kindle, it is a vast improvement on its predecessor and certainly tolerable. Beyond the device itself, Amazon has done a great job of

29、 rolling out Kindle apps, ensuring that people like me who have an iPad but not a Kindle can still join in the fun. Once youre into the Kindle ecosystem, Amazon locks you in tightly just as Apple does with its iTunes / iPod ecosystem. Its so easy to buy from Amazons store and the books are so cheap

30、that its not worth the effort of going elsewhere.While I remain opposed to Amazons DRM(数字版权管理) indeed, Im opposed to DRM on any e-books I have to admit that the implementation is so smooth that most Kindle users wont care at all that their e-books cant be moved to other devices.The e-book trend is n

31、owhere near peaking. Over the next five years we can expect to see more and more readers move away from printed books and pick up e-books instead. But I dont think that will mean the death of the printed book.There are some who prefer printed books. They like having shelves filled with books theyve

32、read and books they plan to read; they like the feel of the book in their hands and the different weights and typefaces and layouts of different titles. In other words, they like the physical form of the book almost as much as the words it contains.I can sympathize with those people. As I wrote earl

33、ier this week, my ideal situation would before publishers to bundle e-books with printed ones in much the same way that film studio submit DVDs with digital copies of films. Theres no reason to think that lovers of printed books will change their minds. There will undoubtedly be fewer of them as tim

34、e goes by because more people will grow up with e-books and spend little time with printed ones. However, just as there are people who love vinyl records(黑胶唱片), even if they were born well into the CD era, there will still be a dedicated minority who love physical books.Since there are fewer of thes

35、e people, that will mean fewer bookshops and higher prices for printed books but I dont think the picture is entirely bleak. There is scope for smaller print runs of lavishly designed printed books and bookshops aimed at book lovers, rather than the Stieg Larsson-reading masses. With mainstream read

36、ers out of the printed book market, booklovers might even find they get a better experience.11. What can be inferred from Paragraph One?A. Most people buy Kindle 2 mainly because of its low price.B. The author of the passage is a loyal customer of Apple products.C. Amazons Kindle 2 surpassed Kindle

37、1 in designing.D. The sales of e-book outnumbered those of paperback in the U. S.12. According to the passage, the reason why the author opposes to Amazons DRM is that _.A. e-books can only be purchased on Amazon. comB. Kindle books are not compatible with other electronic reading devicesC. once imp

38、lemented, e-books cant be transferred to other equipmentsD. e-books installed on Kindle 2 cant be edited freely13. It can be learned that the trend of e-books _.A. will come to stop any time soonB. will reach the summit in the near futureC. will meet its heyday when printed books dieD. has already r

39、eached its peak14. Why does the author believe that the surging sales of e-books wont mean the death of the printed book?A. Because a minority will stick to their love of printed books.B. Because the majority of book lovers wont change their minds.C. Because people always hold nostalgic feelings tow

40、ards printed books.D. Because people will return to the printed books as time goes by.15. According to the author, which of the following is TRUE about the future of printed books?A. They will be bundled with e-books.B. They will no longer be available in the market.C. They will be sold in small qua

41、ntity and high quality.D. They will be redesigned to cater to the masses.答案及解析一、阅读理解1.答案：C。解析：本题考查事实细节。A选项表达脸谱网的市场崩溃已经被轻而易举制止了，与文中It would be all too easy to say that Facebooks market meltdown is coming to an end不符;B选项表达脸谱网增加了与报纸之间的商务往来，与原文中Facebook has lost value nearly equal to Yahoo, AOL, Zynga,

42、Yelp, Pandora, Open Table, Groupon, LinkedIn, and Angies List combined, plus that of the bulk of the publicly traded newspaper industry不符;C选项表达脸谱网自股票上市以来遭受了巨大失败，与原文符合，故本题答案为C。2.答案：D。解析：本题考查事实细节。定位至Worse still, all the crises that emerged when the company debuted overpriced shares, poor corporate gov

43、ernance, huge challenges to the core business, and a damaged brand remain today. 更糟糕的是，当公司推出高价股票、公司治理不佳、核心业务面临巨大挑战、以及受损品牌的时候，所有的危机依然存在。原句中的remain today与D选项中的exist for a long time属于同义替换，故本题答案为D。3. 答案：C。解析：本题考查事实细节。根据题干定位至To justify a stock price close to the lower end of the projected range in the IP

44、O, say $ 28 a share, Facebooks future growth would have needed to match that of Google seven years earlier. 要实现接近其公开募股说明书上的较低股价，比如每股28美元，这就要求脸谱网未来的收益要达到谷歌七年前就达到的水平。接着又提到谷歌七年前的水平为increasing revenue by some 80 percent annually and maintaining high profit margins all the while. 年收益增长要高达80%，并始终保持高利润率。C选

45、项表达保持巨大的收益，符合题意，故本题答案为C。4.答案：A。解析：本题考查语义猜测。本段提到，脸谱网还没解决如何有效地在移动设备上做广告这一问题，而手机登录网站的用户数量却不断上升，本段中多用so-so，risk这类的消极词汇，因此可以推断Achilles heel，意为致命要害，故本题答案为A。5.答案：D。解析：本题考查推理判断。根据题干定位至Not only does that threaten to rub off on users, its bad for recruitment and retention of talented hackers, who are the life

46、blood of Zuckerbergs creation. 脸谱网在市场上的失意不仅会影响到用户，还会影响招募和挽留天才黑客，而这些人正是扎克伯格创造力的命脉。由此可以推断，脸谱网的创新力会因为市场失意受到损伤。故本题答案为D。6.答案：B。解析：本题考查事实细节。由题干中的environmentalist opponents定位到To environmentalist opponents, GM foods are simply evil, an understudied, possibly harmful tool used by big agricultural businesses

47、to control global seed markets and crush local farmers. 奉行环境保护主义的反对者们反对转基因食品是因为转基因食品邪恶，没有经过充分研究并可能成为大型农业公司控制全球种子市场和压榨当地农民的工具。B选项表达他们认为转基因食品是被大企业利用来垄断农业的，符合原文，故本题答案为B。7.答案：D。解析：本题考查事实细节。根据题干中的controversy定位至For both sides, GM foods seem to act as a symbol: youre pro-agricultural business or anti-scien

48、ce. But science is exactly what we need more of when it comes to GM foods, which is why I was happy to see Nature devote a special series of articles to the GM food controversy. 对对方而言，转基因食品是一个表明你是亲农业派还是反科学派的标志。但是当涉及转基因食品时，我们更需要的是科学。故本题答案为D。8.答案：A。解析：本题考查事实细节。根据题干定位至The conclusion: while GM crops havent yet realized their initial promise and have been dominated by agricultural businesses, there is reason to continue to use and develop them to help meet the e