2011年中国建设银行天津分行柜员笔试题（柜员类）含答案.doc

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1、A34/7 B36/7 C33/7 D40/7 答案：B7、0，1/3，1/2，3/5，2/3，5/7，（） A8/9 B3/4 C1 D7/8答案：B8、3，4，6，9， ( )， 18 A12 B13 C14 D15 答案：B9、0，12，24，14，120，16，（）A280 B32 C64 D336答案：D10、1/2，1/8，1/24，1/48，（ ） A1/24， B1/36 C1/48 D1/96 答案：C11、500，400，319，255，( )A206 B212 C216 D224答案：A12、5，9， 14，23，37， ( ) A36 B48 C60 D64 答案：C5

2、）资料分析资料1： 上图是我国某年自然科技人员构成图：已知科技人员总数是85万人。1. 当时我国的教学人员有多少人?( )A214000 B204000 C224000 D22000答案：B 2. 卫生技术人员、教学人员以及工程人员的人数总和是多少万?( )。A60 B62.2 C答案：C3. 科研人员和农业技术人员的总和是多少人?( )。A84000 B85000 C86000 D87000答案：B4. 农业技术比科研人员多多少人?( )。A10000 B10100 C10200 D10300答案：C5. 科研人员与教学人员相差多少个百分点?( )。A19.6 B18.6 C答案：A资料2：

3、 在2003年中国信息产业经济年会上，国家发改委提供了如下数据：中国 业产业规模快速增长，2001年我国生产 8397.5万部，同比增长118.1%，2002年同比增长43%，2003年同比增长21%，今年中国 产量居全球第一，已占到全球产量的35%。 我国 国内市场仍有发展空间，但与前几年相比，已经大大压缩。在产量巨大的同时，中国的 供应过剩状况将日益加剧。目前国内市场容量初步预计仅在6900万部左右，今后几年 供大于求的状况将持续下去。 中国2004年调低了 生产目标，信息产业部预测，2004年中国 产量为1.7亿部，同时调高出口目标，出H 9000万部，比去年增加1000万部。国产 市场

4、占有率将进一步•提高。经过几年的努力，国产品牌 的市场占有率已由1999年的5%，达到2003年的56%。外资企业和外国品牌独霸国内 市场的局面，已得到根本改变。6. 下列说法不正确的是( )。A世界上每三部 中，有一部产自中国B预计国内用户 需求量为6900万部，出H 9000万部C2001年2003年，我国 产量增幅走势图为(见右图) D中国 供应过剩的状况将日益加剧答案：C7. 2003年我国 产量是( )万部。A14530 B12000 C13800 D16500答案：A8. 2004年我国 产量预计比2003年多产( )万部。A2470 B1500 C1600 D2300

5、答案：A9. 2003年我国 出口比例为( )。A45% B55% C65% D75%答案：B10. 19992003年，我国国产 的市场占有率平均每年增幅为( )。A12.8% B12.6% C13.2% D12.1%答案：A资料3：11. 2002年1月，计算机产量为( )。A62.21万台 B121.78万台 答案：D 12. 2002年2月，计算机产量比2001年2月增长( )%。A7.64 B12.91 答案：A13. 2002年4月，计算机产量比2002年3月多( )。A20% B30% C40% D50%答案：B14. 2002年，计算机产量比上年同期下降最多的是几月份?( )A

6、1 B2 C3 D4答案：B15. 2001年2月，计算机产量为( )万台。A113 B103 C93 D131答案：A第2部分：专业能力检测1）单项选择题1、为使资本充足率与银行面对的主要风险更紧密地联系在一起，新巴塞尔协议在最低资本金计量要求中，提出（）。A、外部评级法B、流动性状况评价法C、内部评级法D、资产安全状况评价法答案：C2、中央银行再贴现政策的缺点是（）。A、作用猛烈，缺乏弹性B、政策效果很大程度受超额准备金的影响C、主动权在商业银行，而不在中央银行D、从政策实施到影响最终目标，时滞较长答案：C3、在商业银行的主要业务中，无风险业务通常是指（）。A、负债业务B、中间业务C、投资

7、业务D、资产业务答案：B4、摩擦性失业是指由于（）引起的失业。A、市场信息不完全和工作变换B、经济衰退和萧条导致需求不足C、产业结构变动D、季节变化答案：A 5、2004年4月，中国人民银行公布了新的存款准备金管理办法，开始执行（）。A、统一存款准备金率B、差别存款准备金率C、固定存款准备金率D、浮动存款准备金率答案：B6、在实践中，大部分国家采取的货币政策类型是（）。A、非调节型货币政策B、扩张型货币政策C、调节型货币政策D、紧缩型货币政策答案：C7、倡导“成本推进型”通货膨胀的是（）。A、货币学派B、银行学派C、凯恩斯学派D、合理预期学派答案：C8、在项目融资的贷款协议中，贷款的完全追索权

8、一般发生在（）阶段。A、项目论证B、项目开发建设C、项目转让D、项目经营答案：B9、在资产证券化过程中，归集权益资产到期的现金流量并催讨过期应收款等业务主要由（）承担。A、服务人B、发起人C、发行人D、证券商答案：A10、保障商业信用这种直接融资方式顺利发展的必要条件是存在发达健全的（）。A、借贷市场B、贴现市场C、外汇市场。D、证券市场答案：B11、根据2005年中国银行业监督管理委员会发布的商业银行风险监管核心指标，反映银行资产负债比例方面的指标主要体现在（）层次上。A、风险水平B、风险分散C、风险迁徙D、风险抵补答案：A12、中央银行最重要的负债业务是（）。A、公开市场业务B、货币发行业

9、务C、经理国库业务D、跨国清算业务答案：B13、中央银行独立性问题的实质是如何处理中央银行与（）之间的关系。A、立法机关B、商业银行C、政府D、工商企业答案：C14、下列关于项目融资的有限追索权表述中，不正确的是（）。A、时间上的有限性B、资金使用上的有限性C、金额上的有限性D、对象上的有限性答案：B15、货币政策最终目标之间基本统一的是（）。A、稳定物价与经济增长B、稳定物价与充分就业C、经济增长与充分就业D、经济增长与国际收支平衡答案：C16、财政收支状况对货币供应量有重要影响，如果财政收支平衡，货币供应量（）。A、增加B、减少C、不变D、不确定答案：C17、关于借贷记账法的说法，正确的是

10、（）。A、账户借方登记增加额，贷方登记减少额，余额在借方B、一个企业的全部借方账户与全部贷方账户相对应C、从单个账户看，借方发生额等于贷方发生额D、一个企业全部账户本期借方发生额合计等于全部账户本期贷方发生额合计答案：D18、关于租赁合同的说法，正确的是（）。A、租赁合同的期限最长不得超过20年，超过20年的，合同全部无效B、承租人可以不经出租人同意将租赁物转租C、当事人不得约定租赁物的维修义务由承租人履行D、租赁合同期限超过6个月的应当采用书面形式答案：D19、已知企业年末“应付账款”贷方余额为5000元，“预付账款”贷方余额为2000元，那么，在年末资产负债表中“应付账款”项目应填列的金额

11、是（）元。A、-3000B、7000C、3000D、5000答案：B20、中外学者一致认为，划分货币层次的主要依据是金融资产的（）。A、稳定性B、流动性C、兑换性D、还原性答案：B21、在基础设施建设的过程中，政府可采取多种方式对基进行支持，其中体现公共财政非盈利性特点的方式是（）。A、询价招标B、提供贷款C、引进外资D、提供贴息答案：D22、收购黄金外汇是中央银行的基本业务。如果黄金收购量大于销售量，基础货币量（）。A、减少B、增加C、不变D、不确定答案：B23、下列各项中，不适合项目融资的是（）。A、收费公路项目B、能源开发项目C、汽车组装项目D、污水处理项目答案：C24、负债类账户的发生

12、额与余额之间的关系是（）。A、期初余额+本期贷方发生额=期末余额B、期初余额十本期借方发生额一本期贷方发生额=期末余额C、期初余额十本期贷方发生额一本期借方发生额=期末余额D、期初余额十本期借方发生额=期末余额答案：C25、在资产负债表中，根据总账科目余额直接填列的项目是（）。A、短期借款B、应收账款C、预付账款D、存货答案：A26、下列权利中，不属于著作财产权的是（）A、复制权B、保护作品完整权C、发行权D、改编权答案：B27、一般不具有法律效力、不需经过国家权力机关批准的预算是（）。A、政府年度预算B、政府年度决算C、政府中期预算D、部门年度预算答案：C28、流动比率反映的是企业（）的能力

13、。A、长期偿债B、盈利C、短期偿债D、利用债权人提供的资金进行经营活动答案：C29、一般情况下，如果社会总需求明显小于社会总供给，政府在财政税收方面应该采取的政策措施是（）。A、减税、增加财政支出B、增税、增加财政支出C、增税、减少财政支出D、减税、减少财政支出答案：A30、不论在何种市场上，企业实现利润最大化的决策原则都是（）。A、边际收益等于边际成本B、边际收益大于边际成本C、价格大于平均成本D、劳动的边际产量为零答案：A31、市盈率是反映企业（）的指标。A、盈利能力B、偿债能力C、发展能力D、营运能力答案：A32、下列会计活动中，属于财务会计范畴的是（）。A、全面预算B、财务报告C、责任

14、会计D、成本控制答案：B33、关于比例的说法，正确的是（）。A、它的比值可能大于1B、它是一个总体中各个不同部分的数量对比C、它是一个总体中各个部分的数量占总体数量的比重D、它是同一现象在不同时间或空间上的数量对比答案：C34、反映企业财务状况的会计报表是（）A、利润表B、资产负债表C、利润分配表D、现金流量表答案：B35、在国际储备中，由国际货币基金组织根据会员国缴纳的份额无偿分配的是（）。A、货币性黄金B、特别提款权C、外汇储备D、国际货币基金组织的储备头寸答案：B2）多项选择题1、金融创新的经济背景包括欧洲货币市场的兴起以及（）。A、西方国家经济波动加大B、国际货币体系的改变C、国际经济

15、一体化D、石油危机与石油美元回流E、国际债务危机答案：BDE2、在金融创新过程中，商业银行的贷款有逐渐“表外化”的倾向，具体业务包括：贷款额度、周转性贷款承诺、循环贷款协议、（）。A、贷款打包出售B、回购协议C、票据发行便利D、大额可转让存单E、可转让支付命令答案：BC3、在选择贷款客户时，银行信贷人员要想了解客户自身及项目，通常要完成的步骤包括()。A、宏观经济分析B、贷款面谈C、行业调查D、信用调查E、财务分析答案：AE4、信用是一种借贷行为，其特点有()。A、信用是以还本付息为条件的借贷行为B、信用反映的是债权债务关系C、债权人仅为金融机构D、信用提供形式仅为货币资金E、信用以相互信任为

16、基础答案：ABE5、金融风险的高杠杆性表现为()。A、金融机构的资产负债率高B、金融机构的注册资本金要求高C、金融体系的风险传染快D、金融机构资产的流动性高E、衍生金融工具以小博大答案：AE6、按巴塞尔新资本协议的划分，商业银行的风险主要有（）。A、操作风险B、投资风险C、市场风险D、信用风险E、国家风险答案：ACD7、下列属于市场风险的有()。A、流动性风险B、利率风险C、汇率风险D、信用风险E、价格风险答案：BCE8、通常情况下，设计统计表要求（）。A、没有数字的单元格应空白B、左右两边不封口C、表中数据一般是右对齐D、列标题之间一般用竖线隔开E、行标题之间不必用横线隔开答案：BCDE9、

17、下列各项中，属于企业所有者权益的是（）。A、资本公积B、未分配利润C、应收账款D、营业收入E、盈余公积金答案：ABE10、金融工程发展动因的内部因素包括会计利润和（）。A、税收不对称性B、规避监管C、代理成D、流动性需求E、风险厌恶答案：CDE11、下列统计指标中，属于相对指标的有（）。A、城镇登记失业率B、人均居民个人卫生支出C、居民消费价格指数D、第三产业贡献率E、人口自然增长率答案：ACDE12、与传统的定期存单相比，大额可转让定期存单的特点是()。A、不记名并可转让流通B、面额不固定且为大额C、不可提前支取D、利率一般高于同期限的定期存款利率E、利率是固定的答案：ABD13、利用零售引

18、力法则确定两城市A和B商圈范围时，需要考虑的因素有。A、城市A的面积B、两城市之间的距离C、城市A的人口数量D、城市B的面积E、城市B的人口数量答案：BCE14、当国际收支出现逆差时，一国政府可以采取的调节政策有（）。A、增加外汇储备B、提高利率C、减少政府支出D、货币贬值E、货币升值答案：BCD15、依据商品需求弹性系数的大小，需求弹性可以分为不同类型。需求弹性的极端类型有。A、单位弹性B、需求富有弹性C、需求完全无弹性D、需求缺乏弹性E、需求完全弹性答案：CE第3部分：英语能力检测资料1：In general, our society is becoming one of giant en

19、terprises directed by a bureaucratic(官僚主义的) management in which man becomes a small, well-oiled cog in the machinery. The oiling is done with higher wages, Nell-ventilated factories and piped music, and by psychologists and “human relations” experts; yet all this oiling does not alter the fact that

20、man has become powerless, that he is bored with it. In fact, the blue and the white-collar workers have become economic puppets who dance to the tune of automated machines and bureaucratic management.The worker and employee are anxious, not only because they might find themselves out of a job; they

21、are anxious also because they are unable to acquire any real satisfaction of interesting life. They live an die without ever having confronted the fundamental realities of human existence as emotionally and intellectually independent and productive human beings.Those higher up on the social ladder a

22、re no less anxious. Their lives are no less empty than those of their subordinates. They are even more insecure in some respects. They are in a highly competitive race. To be promoted or to fall behind is not a matter of salary but even more a matter of self-respect. When they apply for their first

23、job, they are tested for intelligence as well as for the right mixture of submissiveness and independence. From the moment on they are tested again and again by the psychologists, for whom testing is a big business, and by their superiors, who judge their behavior, sociability, capacity to get along

24、, etc. This constant need to prove that one is as good as or better than ones fellow competitor creates constant anxiety and stress, the very causes of unhappiness and illness.Am I suggesting that we should return to the preidustrial mode of production or to nineteenth-century “free enterprise “ cap

25、italism? Certainly not. Problems are never solved by returning to a stage which one has already outgrown. I suggest transforming our social system form a bureaucratically managed industrialism in which maximal production and consumption are ends in themselves into a humanist industrialism in which m

26、an and full development of his potentialities those of all love and of reason are the aims of social arrangements. Production and consumption should serve only as means to this end, and should be prevented from ruling man.1.By “ a well-oiled cog in the machinery “ the author intends to deliver the i

27、dea that man is _.A.a necessary part of the society though each individuals function is negligibleB.working in complete harmony with the rest of the societyC.an unimportant part in comparison with the rest of the societyD.a humble component of the society, especially when working smoothly答案：C2.The r

28、eal cause of the anxiety of the workers and employees is that _.A.they are likely to lose their hobs B.they have no genuine satisfaction or interest in lifeC.they are faced with the fundamental realities of human existence D.they are deprived of their individuality and independence答案：D3.From the pas

29、sage we can conclude that real happiness of life belongs to those _.A.who are at the bottom of the societyB.who are higher up in their social statusC.who prove better than their fellow competitorsD.who could dip far away from this competitive world答案：D4.To solve the present social problems the autho

30、r puts foruard a suggestion that we should _.A.resort to the production mode of our ancestors B.offer higher wages to the workers and employeesC.enable man to fully develop his potentialitiesD.take the fundamental realities for granted答案：C5.The authors attitude towards industrialism might best be su

31、mmarized as one of _.C.suspicion D.susceptibility 答案：B资料2：Opinion polls are now beginning to show that,whoever is to blame and whatever happens from now on,high unemployment is probably here to say.This means we shall have to find ways of sharing the available employment more widely.But we need to g

32、o further. We must ask some fundamental questions about the future work. Should we continue to treat employment as the norm? Should we not rather encourage many ways for self-respecting people to work? Should we not create conditions in which many of us can work for ourselves, rather than for an emp

33、loyer? Should we not aim to revive the household and the neighborhood, as well as the factory and the office, as centers of production and work?The industrial age has been the only period of human history in which most peoples work has taken the form of jobs. The industrial age may now becoming to a

34、n end, and some of the changes in work patterns which it brought may have to be reversed. This seems a daunting thought. But, in fact, it could offer the prospect of a better future for work. Universal employment, as its history shows, has not meant economic freedom.Employment became widespread when

35、 the enclosures of the 17th and 18th centuries made many people dependent on paid work by depriving them of the use of the land, and thus of the means to provide a living for themselves. Then the factory system destroyed the cottage industries and removed work from peoples homes. Later, as transport

36、 improved first by rail and then by road, people commuted longer distances to their places of employment until, eventually, many peoples work lost all connection with their home lives and the places in which they live.Meanwhile, employment put women at a disadvantage. In preindustrial times, men and

37、 women had shared the productive work of the household and village community. Now it became customary for the husband to go out to paid employment, leaving the unpaid work of the home and families to his wife. Tax and benefit regulations still assume this norm today, and restrict more flexible shari

38、ng of work roles between the sexes.It was not only women whose work status suffered. As employment became the dominant form of work, young people and old people were excludeda problem now, as more teenagers become frustrated at school and more retired people want to live active lives.All this may no

39、w have to change.The time has certainly come to switch some effort and resources away from the idealist goal creating jobs for all, to the urgent practical task of helping many people to manage without full-time jobs. 6.What is the main idea of the passage?A） Employment became widespread in the 17th

40、 and 18th centuries.B） Unemployment will remain a major problem for industrialized nations.C） The industrial age may now be coming to an end.D） Some efforts and resources should be devoted to helping more people cope with the problem of unemployment. 7.Which of the following was NOT mentioned as a f

41、actor contributing to the spread of employment?A） The enclosures of the 17th and 18th centuries. B） The development of factories.C） Relief from housework on the part of women. D） Development of modern means of transportation. 8.It can be inferred from the passage that_.A）most people who have been po

42、lled believe that the problem of unemployment may not be solved within a short period of timeB） many farmers lost their land when new railways and factories were being constructedC） in preindustrial societies housework and community service were mainly carried out by womenD） some of the changes in w

43、ork pattern that the industrial age brought have been reversed9.What does the word “daunting” in the third paragraph mean?A） Shocking B） Interesting C） Confusing D） Stimulating 10.Which of the following is NOT suggested as a possible means to cope with the current situation?A） Create situations in w

44、hich people work for themselves. B） Treat employment as the norm.C） Endeavor to revive the household and the neighborhood as centers of production.D） Encourage people to work in circumstances other than normal working conditions.答案：D C A A B资料3：President Bush touched off a firestorm of criticism fro

45、m congressional Democrats, civil fights groups and newspaper editorialists Wednesday when he decided to intervene in a Supreme Court case challenging racial preferences in the University of Michigan admissions policy. The howls of protest were quick and loud. Judging from the noise, one might conclude that this president is in big political trouble as he looks to reelection in 2004. After all, with public uncerta