1、银行系统公开招聘考试(中国银行)模拟 16 及答案解析(总分：100.00，做题时间：90 分钟)英语二、Part 1(总题数：10，分数：20.00)1.Sam _ Chinese since he came to China. He speaks good Chinese now.（分数：2.00）A.learnsB.learnedC.has learnedD.will learn2.The pet dog in your hand is very nice. Is it _? Yes, but I“ll give it to my friend, Lucy, as _ birthday
2、present.（分数：2.00）A.you; herB.yours; hersC.yours; herD.you; hers3.My grandpa _ for a walk after dinner every day.（分数：2.00）A.wentB.goesC.is goingD.go4.Liu Xiang _ by his coach to train regularly.（分数：2.00）A.advisedB.advisesC.was advisedD.be advised5.He wanted to know _ the English party.（分数：2.00）A.when
3、 will we haveB.when we will haveC.when would we haveD.when we would have6.After that, he knew he could _ any emergency by doing what he could to the best of his ability.（分数：2.00）A.get away withB.get on withC.get throughD.get across7.Hi, Lucy, Could you _ the clothes here while we are swimming? With
4、pleasure.（分数：2.00）A.watch overB.watch outC.look overD.look out8.Sean has formed the habit of jogging _ the tree-lined avenue for two hours every day.（分数：2.00）A.betweenB.alongC.belowD.with9.My father warned me _ going to the West Coast because it was crowded with tourists.（分数：2.00）A.byB.onC.forD.agai
5、nst10.I guess we“ve already talked about this before but I“ll ask you again just _.（分数：2.00）A.by natureB.in returnC.in caseD.by chance三、Part 2(总题数：2，分数：30.00)A month ago I had no idea that on a Saturday afternoon in November I would be hanging 39 meters above the ground and enjoying it. Now I looked
6、 down on the river far below me, and realized why people like rock-climbing. My friend Matt and I arrived at the Activity Centre on Friday evening. The accommodation (食宿) wasn“t wonderful, but we had everything we needed, beds, food and so on. And we were pleased to be out of the city in the fresh a
7、ir. On Saturday morning we met the other ten members of our group. Cameron had come along with two friends, Kevin and Simon, while sisters Carole and Lynn had come with Amada. We had come from different places and none of knew the area. We knew we were going to spend the weekend outdoors, but none o
8、f us was sure exactly how. Half of us spent the morning caving (钻山洞) while the others went rock-climbing and then we changed at lunchtime. Matt and I went to the cave first. Climbing out was harder than going in, but after a good deal of pushing, we went out at lastcovered with mud (泥浆) but pleased
9、and excited by what we“d done.（分数：15.00）(1).What is the writer trying to do in the text?（分数：3.00）A.Describe some people she met.B.Tell people to go to the Activity Centre.C.Say how she spent some free time.D.Ask people to join her group.(2).What can the reader learn from the text?（分数：3.00）A.When it
10、is the best to go outdoors.B.How to get to the Activity Centre.C.What kind of activities you can have at the Centre.D.What are the business hours of the centre.(3).What do we learn about the group?（分数：3.00）A.Some of them already knew each other.B.Some of them had been there before.C.They had already
11、 chosen their activities.D.They came from the same city.(4).How do you think the writer might describe her weekend?（分数：3.00）A.Interesting.B.Relaxing.C.Frightening.D.Developing.(5).Which of the following advertisements describe the Activity Centre? A Activity Centre Lying in the beautiful countryside
12、. Accommodation and meals provided. Make up your own timetable. Caving and mountain-climbing are exciting. B Activity Centre Lying in the beautiful countryside. Enjoy the best food and exciting activities Work with a family, 12 people a group Take your food and drink with you while in the cave. C Ly
13、ing in the beautiful countryside. You can spend the day doing outdoor activities and we will go with you. We will find you accommodation with a local family. D Lying in the beautiful countryside Accommodation provided. Work with a groupwe“ll show you many activities that you didn“t realize you could
14、 do! （分数：3.00）A.B.C.D.Social anxiety disorder prevents some 15 million Americans from leading normal social and romantic lives, a new survey finds. The disorder leaves many isolated, ashamed and often misdiagnosed. Thirty-six percent of those with social anxiety disorder have symptoms for 10 years o
15、r more before seeking help, the Anxiety Disorders Association of America reports. “Social anxiety disorder is when somebody has an intense, persistent and irrational fear of social or performance situations,“ Jerilyn Ross, the association“s president and CEO, said during a teleconference Wednesday.
16、“The condition causes people to avoid common, everyday situations and even other people for fear of being judged or criticized or humiliated or embarrassing themselves,“ Ross said. Social anxiety disorder can interfere with daily routines and job performance, Ross noted. “It also makes it very diffi
17、cult for people to develop friends and romantic partnerships,“ she said. People with this disorder recognize their fear is excessive and irrational, Rose noted. “But they feel powerless to do anything about it,“ she said. Social anxiety disorder can start in the early teens, Dr. Mark H. Pollack, dir
18、ector of the Center for Anxiety and Traumatic Stress Disorders and a professor of psychiatry at Harvard Medical School, said during the teleconference. “This is a disorder that starts affecting people early on1,“ Pollack said. “The typical age of onset is early adolescence, age 12 or 13,and many ind
19、ividuals report a history of anxiety dating back to 2 earlier childhood.“ The disorder also has physical symptoms, including heart palpitations, feelings that their throat will close up 3, sweating, blushing, faintness, trembling and stammering, Ross said. Among people with the disorder, 75 percent
20、said the condition affected their ability to do normal activities. In addition, 69 percent said they didn“t want people to think they were crazy, and 58 percent said they were embarrassed by their condition, Ross said. However, when the condition is diagnosed and treated, many reported improvement i
21、n their lives. In fact, 59 percent who were receiving treatment said treatment had a positive effect on their ability to have a romantic relationship. In addition, 39 percent who had received treatment said knowing that treatment can be successful aided their decision to get help, Ross noted.（分数：15.
22、00）(1).Which of the following is not true of the people with social anxiety disorder?（分数：3.00）A.They find difficult to make friends.B.They are often isolated and ashamed.C.They frequently fail to get timely treatment.D.They tend to judge or criticize other people.(2).People with the disorder think t
23、hat their fear of _.（分数：3.00）A.justifiedB.beneficialC.controllableD.beyond control(3).Usually the disorder stars to affect people when _.（分数：3.00）A.they fall in loveB.they begin to workC.they get in their earlyD.they are in their early teens(4).All the following are likely symptoms of the disorder E
24、XCEPT _.（分数：3.00）A.heart palpitationsB.sweatingC.sore throatD.blushing(5).The last paragraph indicates that treatment of the disorder _.（分数：3.00）A.has no positive on those affected.B.was unavailable to those affected.C.was often rejected building those affected.D.could improve the life of those affe
25、cted.四、职业能力测试(总题数：10，分数：20.00)11.农业转型过程中，市场发挥决定性作用，切忌_、揠苗助长，以行政力量_甚至强推农业规模化。 依次填入画横线处最恰当的一项是_。（分数：2.00）A.李代桃僵 指导B.大包大揽 引导C.越俎代庖 主导D.鞭打快牛 倡导12.一年以来，欧美国家示威、罢工活动_，暴力事件频发，社会乱象_，显示出在经济持续不景气的背景下西方发达国家内部矛盾激化，社会危机加剧。 依次填入画横线部分最恰当的一项是_。（分数：2.00）A.此起彼伏 层出不穷B.此消彼长 惊心动魄C.如火如荼 变本加厉D.愈演愈烈 屡见不鲜13.对于国家实力与国际话语权之间的关系
26、，我们的舆论往往作片面的理解，认为国际话语权的大小根本取决于国家实力的大小。当然，这种观点似乎来自当今世界一个令人迷惑的现象，即最为强大的美国拥有最强的国际话语权，传统强国比较集中的欧洲也拥有很大的国际话语权。但是，美国和欧洲之所以拥有强大的国际话语权，并非仅仅因其实力强大，更是因为他们的话语中所包含的观念创新性引导着大多重要国际议题的设置，他们话语中的逻辑性和说服力较强等等。虽然不能否认实力强大对于话语权是一个积极性因素，但国际话语权从来不是按国家的实力大小来分配的，在某些问题或领域，一些实力小的国家比一些实力大的国家拥有更多话语权的情况比比皆是。 这段文字意在强调_。（分数：2.00）A.
27、国家的实力决定了国际话语权的强弱B.强化话语质量对提升国际话语权至关重要C.国际话语权为个别实力强大的国家所掌控D.国家实力对话语权影响在不同领域中不同14.当冰冷的暴风雪横扫牧场时，温度会迅速降到零度以下，牛群通常会背对着风暴，缓缓移到下风处，最后被围篱阻挡时，它们只好挤在一起，最终导致牛的大量死亡。但有一种赫里福牛，却会肩并肩地一起迎着风暴，低下头来，面对暴风雪的肆虐，结果反而死亡率最低，损失最小。 这个故事说明的道理与下列哪项最为接近?_（分数：2.00）A.团结就是力量B.生存之道在于防患于未然C.狭路相逢勇者胜D.坚持到底就是胜利15.读书的设计是一个立体性、动态性的设计，围绕着某个
28、问题、某种原有的优势的拓展，既可以在纵向上涉及古今，又可以在不同层面上涉及中外以及诸种学科。知今不知古，就罕能清理出事物的原理；知古不知今，就罕能悟透事物的意义和它们运行的曲线；知中不知外，就容易使自己的知识封闭起来；知外不知中，就容易使自己的知识失去根，变得虚浮空泛。古今中外在某一问题上进行互参，是读书深入以后应该追求的通则。 这段文字强调了读书的真谛是_。（分数：2.00）A.日新月异B.融会贯通C.博古通今D.博采众长16.玻璃幕墙大量在公共建筑中采用，是由特定历史时期的审美所决定的。如今，这种墙体形式正在向着低成本、高普及的方向转变。玻璃幕墙最初的现代感、国际化色彩与神秘光环正在渐渐褪
29、去。能源危机在一定程度上加速了这一过程，对于大多数地处亚热带和温带地区的城市而言，大面积的玻璃幕墙逐渐暴露出其光污染和高耗能的一面。 这段文字的主旨是_。（分数：2.00）A.说明滥用玻璃幕墙会带来城市污染和能源浪费B.阐述建筑之美带有明显的时代特征C.评价能源危机对现代审美意识的影响D.介绍目前建筑材料发展的低能耗导向17.在文学史上，科幻文学是近期才出现的东西，它伴随着近代科学出现，随着世界的现代化而发展。在此之前，虽然也广泛存在幻想文学，但是但丁的神曲和玛丽雪莱的科学怪人之间却存在着无法跨越的鸿沟。科幻文学的本质性要求是科学的内核，科学精神的核心一定是可知论，是反对蒙昧主义，栖身于科学的
30、幻想作品，才能称之为科幻文学。 根据上文，科幻文学和幻想文学的根本区别在于科幻文学_。（分数：2.00）A.是基于现实的想象B.以科学为依托C.出现时间较晚D.具有启发民智的作用18.收藏的功利性并不会削弱收藏作为高雅文化艺术活动的魅力，反而能够促进收藏事业的发展。从古至今，纯粹的非功利性的收藏可以说绝无仅有。保值、增值的客观需求，促使人们对各类器物的鉴定和欣赏水平不断提升。如果离开一定的历史条件来奢谈所谓纯粹的收藏鉴赏，对于收藏事业来说只能造成观念的混乱。 这段文字意在强调_。（分数：2.00）A.业界对收藏活动中的功利化不以为然B.非功利性收藏对收藏事业发展意义不大C.收藏事业中的“功利主
31、义”思想无可厚非D.绝大多数收藏活动是在获利驱动下进行的19.端午节之所以为“粽子节”，从传统文化的角度看，固然是一种“删繁就简”，是一种遵守；而从社会公众的角度看，却是一种无奈的、被动的选择。很简单，这些年来，我们对于传统节日的问题上，往往习惯于依赖“刺激消费这样的路径，而拙于补充一些新鲜的、健旺的文化元素，以替代那些日渐消逝的传统仪式和内容，久而久之，则只能任由那些看上去肤浅却实用的商业操作来填补“空白”。 这段文字意在强调_。（分数：2.00）A.缺少文化元素的创意导致传统节日日渐物化B.传统节日融入公共文化生活才能更具生命力C.传统节日文化现状已偏离了原有的民俗意义D.端午节变为“粽子
32、节”实属文化退守的无奈之举20.“中国民间可能隐藏着 7000 个梅西”，有外媒如此形容足改方案激发的人才潜能。但仅以发掘球星、培养职业球员为标尺，反倒背离了校园足球的真谛。让足球真正扎根，取决于孩子们的“获得感”，快乐足球比精英足球更有生命力。 关于这段文字，以下理解正确的是_。（分数：2.00）A.剥离足球功利性，潜移默化植入兴趣，校园足球才有发展后劲B.校园足球可以打破部门壁垒，理顺管理体制，为“体教结合”注入动力C.让足球进校园，可以迅速撬动学校体育改革，夯实足球人才根基D.校园足球的成败决定着中国足球的未来五、行业认知(总题数：0，分数：0.00)六、单项选择题(总题数：15，分数：
33、15.00)21.在实行固定汇率制的国家，由于国内经济变化没有相应的汇率调整配合，导致其货币内外价值脱节，通常反映为_。（分数：1.00）A.本币汇率高估B.本币汇率低估C.本国利率高估D.本国利率低估22.在对基础货币产生影响的诸多因素中，由商业银行决定的因素是_。（分数：1.00）A.定期存款准备金率B.活期存款准备金率C.超额准备金率D.提现率23.票据交换所属于中央银行的_。（分数：1.00）A.银行账户体系B.支付结算工具体系C.支付清算系统D.支付结算管理体系24.中央银行的独立性实质上是如何处理中央银行和_的关系。（分数：1.00）A.商业银行B.政策性银行C.政府D.投资性银行
34、25.银行过去筹集的资金特别是存款资金由于内外因素的变化而发生不规则波动，受到冲击并引发相关损失的可能性的风险是_。（分数：1.00）A.信用风险B.市场风险C.资产流动性风险D.负债流动性风险26.中央银行票据的流动性次于_。（分数：1.00）A.普通股票B.企业债券C.金融债D.现金27.下列不属于我国政策性银行的是_。（分数：1.00）A.中国农业发展银行B.中国进出口银行C.国家开发银行D.中国邮政储蓄银行28.某银行 2015 年资本为 500 亿元，其中银行对自用不动产的资本投资为 10 亿元，风险加权资产 800 亿元，市场风险资本 200 亿元，操作风险资本 100 亿元，那么
35、该银行 2015 年的资本充足率约为_。（分数：1.00）A.10%B.10.77%C.10.98%D.11%29.由于银行的业务性质要求银行维持存款人、贷款人和整个市场的信心，因此，银行通常将_看作是对其市场价值最大的威胁。（分数：1.00）A.市场风险B.声誉风险C.信用风险D.流动性风险30.保证银行稳健经营、安全运行的核心指标是_。（分数：1.00）A.核心资本B.资本充足率C.附属资本D.风险加权资产31.X 公司年末“应收账款”科目的借方余额为 100 万元，“预收账款”科目的贷方余额为 150 元，其中，明细账的借方余额为 15 万元，贷方余额为 165 万元。“应收账款”对应的
36、“坏账准备”期末余额为 8 万元，该企业年末资产负债表中“应收账款”项目的金额为_万元。（分数：1.00）A.165B.150C.115D.10732.下列选项中，不属于会计科目的设置原则的是_。（分数：1.00）A.合法性原则B.相关性原则C.实用性原则D.真实性原则33.企业库存现金的限额最高不能超过_天的开支需要量。（分数：1.00）A.3B.5C.10D.1534.企业销售商品的现金折扣应在实际发生时计入当期的_。（分数：1.00）A.销售费用B.管理费用C.财务费用D.主营业务成本35.新的会计年度开始，可以继续使用不必更换新账的是_。（分数：1.00）A.日记账B.总分类账C.明细
37、账D.固定资产卡片七、多项选择题(总题数：5，分数：15.00)36.下列情况不会引起大豆需求曲线移动的有_。（分数：3.00）A.大豆价格上升B.玉米价格上升C.玉米供给量锐减D.生产大豆的成本上升37.下列因素中，影响消费的有_。（分数：3.00）A.价格水平B.利率C.社会保障制度D.收入分配38.下列关于保护价格说法正确的有_。（分数：3.00）A.保护价格也叫支持价格或最高限价B.保护价格是由政府规定一个具体的价格，市场交易只能在这一价格之上进行C.在我国，保护价格属于政府对市场价格的干预措施D.保护价格的目的是保护生产者利益或支持某一产业的发展39.下列关于生命周期消费理论和永久收
38、入消费理论的说法，正确的有_。（分数：3.00）A.前者偏重于个人如何预测自己未来收入问题B.两者都是以永久的收入作为消费决策的依据C.后者提出以财富作为消费函数的变量的重要理由D.两者均体现单个消费者是前向预期决策者40.下列选项属于影响供给价格弹性的因素有_。（分数：3.00）A.时间B.投入品相似程度C.替代品相近程度D.投入品替代性大小银行系统公开招聘考试(中国银行)模拟 16 答案解析(总分：100.00，做题时间：90 分钟)英语二、Part 1(总题数：10，分数：20.00)1.Sam _ Chinese since he came to China. He speaks go
39、od Chinese now.（分数：2.00）A.learnsB.learnedC.has learned D.will learn解析：解析 根据句中 since 引导的时间状语从句可知，主句应使用现在完成时，故选 C。2.The pet dog in your hand is very nice. Is it _? Yes, but I“ll give it to my friend, Lucy, as _ birthday present.（分数：2.00）A.you; herB.yours; hersC.yours; her D.you; hers解析：解析 本题考查名词性物主代词和
40、形容词性物主代词的用法和区别，前者后面不用加名词，后者需要加名词，根据句意，本题正确答案为 C。3.My grandpa _ for a walk after dinner every day.（分数：2.00）A.wentB.goes C.is goingD.go解析：解析 选项是同一个动词 go 的不同时态，根据 every day 可以判断应该用一般现在时，my grandpa 是单数，所以用 goes，答案选 B。4.Liu Xiang _ by his coach to train regularly.（分数：2.00）A.advisedB.advisesC.was advised
41、D.be advised解析：解析 本题考查动词的被动语态。动词的被动语态结构为“be+动词的过去分词”，be 根据不同的时态发生相应的变化。句意：刘翔的教练建议他进行有规律的训练。5.He wanted to know _ the English party.（分数：2.00）A.when will we haveB.when we will haveC.when would we haveD.when we would have 解析：解析 句意：他想知道我们什么时候举办英语联欢会。本题考查宾语从句的用法。当主句是一般过去时的时候，宾语从句的时态应与主句相一致，且应用陈述句语序，故本题选
42、D。6.After that, he knew he could _ any emergency by doing what he could to the best of his ability.（分数：2.00）A.get away withB.get on withC.get through D.get across解析：解析 句意：之后，他知道尽他所能能度过任何危机。get away with 携带而逃；get on with 与友好相处；get through 度过；get across 使被理解。根据句意，只有 C 项符合语境。7.Hi, Lucy, Could you _ the
43、 clothes here while we are swimming? With pleasure.（分数：2.00）A.watch over B.watch outC.look overD.look out解析：解析 句意：露西，在我们游泳的时候你能帮我们照看一下衣服吗?好的，很乐意。watch over 照看；watch out 小心；look over 仔细检查；look out 小心。由此可以判断 A 项符合语境。8.Sean has formed the habit of jogging _ the tree-lined avenue for two hours every day
44、.（分数：2.00）A.betweenB.along C.belowD.with解析：解析 句意：Sean 已经形成了每天沿着绿荫大道慢跑两个小时的习惯。表示“沿着”时，应该选B。9.My father warned me _ going to the West Coast because it was crowded with tourists.（分数：2.00）A.byB.onC.forD.against 解析：解析 warn sb. of/against sth. 表示警告某人要/不要干某事。因此本题选 D。10.I guess we“ve already talked about th
45、is before but I“ll ask you again just _.（分数：2.00）A.by natureB.in returnC.in case D.by chance解析：解析 句意：我想我们之前谈论过这个的，但为了以防万一，我还会再问你一次。just in case以防万一。因此本题选 C。三、Part 2(总题数：2，分数：30.00)A month ago I had no idea that on a Saturday afternoon in November I would be hanging 39 meters above the ground and enj
46、oying it. Now I looked down on the river far below me, and realized why people like rock-climbing. My friend Matt and I arrived at the Activity Centre on Friday evening. The accommodation (食宿) wasn“t wonderful, but we had everything we needed, beds, food and so on. And we were pleased to be out of t
47、he city in the fresh air. On Saturday morning we met the other ten members of our group. Cameron had come along with two friends, Kevin and Simon, while sisters Carole and Lynn had come with Amada. We had come from different places and none of knew the area. We knew we were going to spend the weeken
48、d outdoors, but none of us was sure exactly how. Half of us spent the morning caving (钻山洞) while the others went rock-climbing and then we changed at lunchtime. Matt and I went to the cave first. Climbing out was harder than going in, but after a good deal of pushing, we went out at lastcovered with mud (泥浆) but pleased and excited by what we“d done.（分数：15.00）(1).What is the writer trying to do in the text?（分数：3.00）A.Describe some people she met.B.Tell people to go to the Activity Centre.C.Say how she spent some free time. D.Ask people
