1、银行系统公开招聘考试(中国银行)模拟 20 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.I left my handbag on the train, but luckily someone gave it to a railway official. How unbelievable to get it back! I mean, someone _ it.（分数：2.00）A.will have stolenB.might have stolenC.should have stolenD.must have stolen2
2、.No one _ be compared with Yao Ming in playing basketball. Oh, you are really his big fan.（分数：2.00）A.canB.needC.mustD.might3.I haven“t seen Sara since she was a little girl, and she was changed beyond _.（分数：2.00）A.hearingB.strengthC.recognitionD.measure4.Last year the number of students who graduate
3、d with a driving licence reached 200,00, a(n) _ of 40,000 per year.（分数：2.00）A.averageB.numberC.amountD.quantity5.Those who suffer from headache will find they get _ from this medicine.（分数：2.00）A.reliefB.safetyC.defenseD.shelter6.Had I known about this computer program, a huge amount of time and ener
4、gy _.（分数：2.00）A.would have been savedB.had been savedC.will be savedD.was saved7.I _ through that bitter period without your generous help.（分数：2.00）A.couldn“t have goneB.didn“t goC.wouldn“t goD.hadn“t gone8.Where are the children? The dinner“s going to be completely ruined. I wish they _ always late
5、.（分数：2.00）A.weren“tB.hadn“t beenC.wouldn“t beD.wouldn“t have been9.Residents of Pine Beach are divided over plans for a highway aimed at reducing traffic jam _ by vacationers every year.（分数：2.00）A.impliedB.restoredC.generatedD.complicated10.If you _ to the 2015 Milan Expo next month, I will go with
6、you.（分数：2.00）A.goB.has goneC.will goD.are going三、Part 2(总题数：1，分数：20.00)Someone says, “Time is money.“ But I think time is 1 important than money. Why? Because when money is spent, we can get it back. However, when time is 2 it“ll never 3 . That“s 4 we mustn“t waste time. It goes without saying that
7、the 5 is usually limited. Even a second is very important. We should make full use of our time to do 6 useful. But it is a pity that there are a lot of people who do not know the importance of time. They spent their limited time smoking, drinking and 7 . They do not know that wasting time means wast
8、ing part of their own 8 . In a word, we should save time. We shouldn“t 9 today“s work for tomorrow. Remember we have no time to 10 .（分数：20.00）A.muchB.lessC.much lessD.even moreA.costB.boughtC.goneD.finishedA.returnB.carryC.takeD.bringA.whatB.thatC.becauseD.whyA.moneyB.timeC.dayD.foodA.nothingB.somet
9、hingC.anythingD.everythingA.readingB.writingC.playingD.workingA.timeB.foodC.moneyD.lifeA.stopB.leaveC.letD.giveA.loseB.saveC.spendD.take四、Part 3(总题数：1，分数：10.00)The plan of building “New Towns“ to absorb growth is frequently considered a cure-all for urban problems. It is erroneously (错误地) assumed th
10、at if new residents can be diverted from existing centers, the present urban situation at least will get no worse. It is further and equally erroneously assumed that since European New Towns have been financially and socially successful, we can expect the same sorts of resorts in the United States.
11、Present planning, thinking, and legislation will not produce the kinds of New Town that have been successful abroad. It will multiply suburbs or encourage development in areas where land is cheap and construction profitable rather than where New Towns are genuinely needed. Such ill-considered projec
12、ts not only will fail to relieve pressures on existing cities but will, in fact, tend to weaken those cities further by drawing away high-income citizens and increasing the concentration of low-income groups that are unable to provide tax income. The remaining taxpayers, accordingly, will face incre
13、asing burdens, and industry and commerce will seek escape. Unfortunately, this mechanism is already at work in some metropolitan areas. The promoters of New Towns so far in the United States have been developers, builders, and financial institutions. The main interest of these promoters is economic
14、gain. Further-more, federal regulations designed to promote the New Town idea do not consider social needs as the European New Town plans do. In fact, our regulations specify virtually all the ingredients of the typical suburban community, with a bit of political rhetoric thrown in. A workable Ameri
15、can New Town formula should be established as firmly here as the national formula was in Britain. All possible social and governmental innovation as well as financial factors should be clearly stated, and both incentives and penalties should be provided to ensure that the objectives are pursued. If
16、such a policy is developed, then the New Town approach can play an important role in alleviating America“s urban problems.（分数：10.00）(1).The author“s attitude toward the idea of building New Towns in America is that _.（分数：2.00）A.it is a cure-all for urban problemsB.it will be successful in AmericaC.i
17、t is a good idea but is not properly consideredD.it shall adopt European formula(2).Which of the following statements about European New Towns is NOT true?（分数：2.00）A.They have been both financially and socially successful.B.They have relieved the pressures on big cities.C.The basic aim of building n
18、ew towns is economic gain.D.All social and governmental problems have been taken into account.(3).According to the author, the present planning of New Towns in America will weaken existing cities because _.（分数：2.00）A.it will draw away the rich citizensB.it will increase the concentration of low-inco
19、me peopleC.it will drive away industry and commerce because of the increasing tax burdensD.all of the above(4).The purpose of building New Towns in America is _.（分数：2.00）A.to develop suburban areaB.to improve urban situationC.to gain economic interestD.to provide new residence for low-income people(
20、5).The author thinks that the New Town project will not succeed unless _.（分数：2.00）A.all factors involved have been taken into serious accountB.people are diverted from the existing centersC.the promoters stop seeking economic gainD.the government has invested much more money in it五、职业能力测试(总题数：11，分数：
21、22.00)11.新技术和新媒体的出现，使人的阅读内容、阅读媒介、阅读习惯发生了变化，呈现多元化、数字化、个性化的特点，读者被多样化地细分，“界面”阅读受到年轻人_。伴随便利而来的是娱乐化的泛滥，这是一个泛娱乐化的时代，一切文化都心甘情愿地成为娱乐的_，以分得一杯娱乐的残汁，而思考愈发远遁。 依次填入划横线部分最恰当的一项是_。（分数：2.00）A.追捧 附庸B.认可 陪衬C.青睐 注脚D.欢迎 随从12.在西安走访陕西省历史博物馆，由正门大厅沿着台阶进入地下层，参观唐代壁画珍品馆，隐隐约约感到，自己正穿越时空，走入了地下墓室。可以想象，在秦汉地陵，过去的盗墓贼打了坑道，进入墓室的时候，提心吊
22、胆，移动着_的脚步，怕触动了机关，牵动从暗处射出的毒箭，或是坠入满是毒蒺藜的陷坑，那种_着危险的兴奋，接近金银财宝的诱惑，在黑暗中_着不可告人的邪恶，已经重复上演不知多少次了。 依次填入划横线部分最恰当的一项是_。（分数：2.00）A.忐忑 夹杂 散发B.沉重 裹挟 折射C.欢快 压抑 弥漫D.慌张 包裹 映衬13.清正廉洁，不仅是党员干部的自我追求，也是老百姓的_希望。（分数：2.00）A.深切B.急切C.殷切D.恳切14.某市推出“自住型商品房”，意在_涨价预期，但由于自住型商品房用地进一步_了普通商品房用地，使得商品房地价一再上涨。（分数：2.00）A.平抑 缩减B.制止 挤压C.抑制
23、压缩D.平抑 挤压15.(1)因为滞后，后发优势至今仍有足够的_空间，帮助中国制造在和美国制造的竞争中保持优势。 (2)我们将建立一个带给人民幸福的体系，这个信念我们_。 (3)另一个时代的尘埃在这里沉淀，仿佛是无形的，但当你伸手去摸的时候，它们又像是溅起了_泥浆的泥塘。 依次填入划横线部分最恰当的一项是_。（分数：2.00）A.发展 深信不疑 混浊B.释放 深信不疑 混浊C.释放 坚定不移 浑浊D.发展 坚定不移 浑浊16.吴刚介绍，仔细品读霍比特人，诗歌也是不容错过的_。无论是这本小说，还是后来的魔戒，托尔金在故事背景的穿插中，都有穿插诗歌的手法，这并非_。“骨灰级”的托尔金迷，对这一点应
24、_。（分数：2.00）A.焦点 偶然 心知肚明B.热点 偶尔 心驰神往C.亮点 偶然 心领神会D.焦点 偶尔 心领神会17.条纹，作为最简洁而又生机勃勃的视觉设计语言，自石器时代起便被广泛运用。彩色条纹依旧不断_于当今时装界，新锐设计师们拒绝了浮华，但同样_着高调。 依次填入画横线部分最恰当的一项是_。（分数：2.00）A.风靡 保持B.时兴 延续C.流行 维持D.活跃 蕴含18.中国女性自古就有节俭的传统。总觉得“等有了更好的工作”“等有了更多的钱”“等孩子长大了”之后才能享福。殊不知，她们一直在_幸福，却难得真正_幸福，实际上等于消灭了幸福。 依次填入横线处的词语，最恰当的一组是_。（分数
25、：2.00）A.预约 享受B.预订 享受C.预订 消受D.预定 消受19.依次填入下列横线处的词语，最恰当的一组是_。 执着的故事不老：愚公移山，夸父逐日，_；执着的人物不朽：_的祖逖，卧薪尝 胆的勾践，面壁静修的达摩。执着是_，是_，是一支永无休止符的进行曲。（分数：2.00）A.闻鸡起舞 直言不讳 艰苦卓绝 坚持不懈B.守株待兔 闻鸡起舞 精卫填海 锲而不舍C.精卫填海 悬梁刺股 艰苦卓绝 坚持不懈D.精卫填海 闻鸡起舞 坚持不懈 锲而不舍20.不论是反腐败还是监督执法，公众的千千万万双眼睛都是最有力的后援。依靠公众监督，既表明了执法部门不护短的决心，也有利于调动公众的热情。只有_的打击与
26、_的公众监督密切配合，才能最大程度_不规矩的“执法之手”乱伸，最终还法治以_。 依次填入画横线处最恰当的一项是_。（分数：2.00）A.大张旗鼓 不偏不倚 防止 清正B.声势浩大 不徇私情 阻止 光明C.排山倒海 一丝不苟 压制 公正D.雷厉风行 无处不在 遏制 清明21.客家是汉民族的一支，在一千多年历史_中，在融合各地域民族文化的同时，不断地传播和_，使得客家文化_，源远流长。 依次填入画横线处最恰当的一项是_。（分数：2.00）A.演变 扩变 波澜壮阔B.演化 扩张 不绝如缕C.演绎 扩大 流光溢彩D.演进 扩散 生生不息六、行业认知(总题数：0，分数：0.00)七、单项选择题(总题数：
27、10，分数：20.00)22.某生产活动存在外部不经济时，其产量水平_帕累托最优产量。（分数：2.00）A.大于B.小于C.等于D.以上都有可能23.下列几种情况中，投资乘数最大的是_。（分数：2.00）A.边际消费倾向为 0.3B.边际消费倾向为 0.6C.边际储蓄倾向为 0.5D.边际储蓄倾向为 0.924.当一个追求利润最大化的厂商考虑进入一个市场时，他将会比较_。（分数：2.00）A.总收益和总可变成本B.边际收益和市场价格C.最小边际成本和市场价格D.最小平均成本和市场价格25.在完全竞争市场中，企业的主要竞争策略是_。（分数：2.00）A.广告促销B.涨价盈利C.降价促销D.降低成
28、本26.如果甲产品和乙产品的需求交叉弹性系数是负数，则说明甲产品和乙产品_。（分数：2.00）A.无关B.是替代品C.是互补品D.是缺乏价格弹性的27.为保证市场经济稳定运行的主要调控手段是_。（分数：2.00）A.法律手段B.经济手段C.计划手段D.行政手段28.在通货膨胀治理对策中，压缩财政支出属于_。（分数：2.00）A.改善供给B.紧缩性收入政策C.收入指数化政策D.紧缩性财政政策29.物价总水平上涨的年平均率在 2 位数以上，且发展速度很快，这种通货膨胀类型是_。（分数：2.00）A.爬行式通货膨胀B.温和式通货膨胀C.奔腾式通货膨胀D.恶性通货膨胀30.通货膨胀的基本标志是_。（分
29、数：2.00）A.物价上涨B.货币升值C.经济过热D.成本增加31.需求拉上的通货膨胀可以通俗地表述为_。（分数：2.00）A.太多的货币追逐太多的商品B.太多的货币追逐太少的商品C.太少的货币追逐太多的商品D.太少的货币追逐太少的商品八、多项选择题(总题数：4，分数：8.00)32.国家宏观调控运用的经济杠杆有_。（分数：2.00）A.价格B.税收C.工资D.利率33.寡头垄断市场的显著特征是一个行业中仅有少数几家厂商，而且这少数几家厂商之间也可能进行着激烈的竞争。关于寡头垄断市场的说法，正确的有_。（分数：2.00）A.寡头垄断市场存在资源配置的效率损失B.寡头企业不会轻易调整自己的价格，
30、市场价格呈刚性C.寡头企业通过价格协调行为，维持较高的产品价格，获得超额利润D.寡头企业之间的非价格竞争提高了产品质量，丰富了产品的品种，有利于满足购买者的各种需求34.市场失灵是指市场机制在不少场合下会导致资源不适当配置，即导致无效率的一种状况。换句话说，市场失灵是自由的市场均衡背离帕累托最优的一种情况。市场失灵的原因包括_。（分数：2.00）A.不完全竞争B.公共物品C.外部效应D.寻租现象35.进入壁垒又称进入门槛，是指产业内已有厂商对准备进入或正在进入该产业的新厂商所拥有的优势，或者说是新厂商在进入该产业时所遇到的不利因素和限制，形成进入壁垒的原因主要有_。（分数：2.00）A.规模经
31、济壁垒B.结合生产壁垒C.产品差别化壁垒D.绝对费用壁垒银行系统公开招聘考试(中国银行)模拟 20 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.I left my handbag on the train, but luckily someone gave it to a railway official. How unbelievable to get it back! I mean, someone _ it.（分数：2.00）A.will have stolenB.might have stolen C.should ha
32、ve stolenD.must have stolen解析：解析 句意：我把手提包忘在了火车上，但幸运的是有个人把它交给了铁路部门的一名官员。还能找回来多么令人难以置信!我的意思是，有人原本可能把它偷走的。might have done 意为“可能已经”，表示对过去发生之事的不太肯定的推测，符合题意。will have done 表示将来完成时；should have done 本应该做某事但实际未做；must have done 表示对过去发生之事的肯定推测。2.No one _ be compared with Yao Ming in playing basketball. Oh, you
33、 are really his big fan.（分数：2.00）A.can B.needC.mustD.might解析：解析 句意：在打篮球方面，没有人能够与姚明相比。哦，你真是他的铁杆球迷。can能够；need 需要；must 必须；might 也许。由句意可知 A 项正确。3.I haven“t seen Sara since she was a little girl, and she was changed beyond _.（分数：2.00）A.hearingB.strengthC.recognition D.measure解析：解析 本题考查介词与名词搭配。句意：Sara 是小孩
34、子的时候我见过，后来就没见过她，她变得让人认不出来了。beyond recognition 意为“完全变了模样”。4.Last year the number of students who graduated with a driving licence reached 200,00, a(n) _ of 40,000 per year.（分数：2.00）A.average B.numberC.amountD.quantity解析：解析 本题考查名词词义辨析。此处表示“平均每年 40,000 人拿到驾照”。应选 A。5.Those who suffer from headache will
35、find they get _ from this medicine.（分数：2.00）A.relief B.safetyC.defenseD.shelter解析：解析 relief 表示“用药后病情的缓解”。因此本题选 A。6.Had I known about this computer program, a huge amount of time and energy _.（分数：2.00）A.would have been saved B.had been savedC.will be savedD.was saved解析：解析 句意：如果我早知道这个电脑程序，就可以节省大量的时间和精
36、力了。根据句子的倒装特征判断此处是省略了 if 的虚拟条件句，此句可还原为“If I had known about this computer program, a huge amount of time and energy _.”此处表示与过去事实相反的假设，故 A 项正确。7.I _ through that bitter period without your generous help.（分数：2.00）A.couldn“t have gone B.didn“t goC.wouldn“t goD.hadn“t gone解析：解析 句意：没有你的慷慨帮忙，我不可能熬过那段痛苦的日子。
37、从 without your generous help 可知，此处考查的是与过去事实相反的虚拟语气。故本题选 A。8.Where are the children? The dinner“s going to be completely ruined. I wish they _ always late.（分数：2.00）A.weren“t B.hadn“t beenC.wouldn“t beD.wouldn“t have been解析：解析 句意：孩子们在哪儿?这顿饭要彻底毁了。但愿他们不会总来晚。从“Where are the children?”可知，说话人指现在。根据动词 wish
38、后的宾语从句用虚拟语气的用法可知，表示与现在事实相反的情况时，从句用一般过去时，因此选项 A 正确。9.Residents of Pine Beach are divided over plans for a highway aimed at reducing traffic jam _ by vacationers every year.（分数：2.00）A.impliedB.restoredC.generated D.complicated解析：解析 vacationers 表示“度假者”，implied 表示“含蓄的”；restore 表示“恢复，修建”；generate 表示“产生，导
39、致”；complicate 表示“使复杂化”。traffic jam generated by vacationers every year 表示“每年由于度假者导致的交通堵塞”，这是一个表示被动的定语从句，符合题意，故本题正确答案为 C。10.If you _ to the 2015 Milan Expo next month, I will go with you.（分数：2.00）A.go B.has goneC.will goD.are going解析：解析 句意：如果你下个月去米兰世博会，我会跟你一块儿去。本题考查动词的时态。当主句是一般将来时的时候，由 if 引导的条件状语从句用一
40、般现在时。故选 A。三、Part 2(总题数：1，分数：20.00)Someone says, “Time is money.“ But I think time is 1 important than money. Why? Because when money is spent, we can get it back. However, when time is 2 it“ll never 3 . That“s 4 we mustn“t waste time. It goes without saying that the 5 is usually limited. Even a seco
41、nd is very important. We should make full use of our time to do 6 useful. But it is a pity that there are a lot of people who do not know the importance of time. They spent their limited time smoking, drinking and 7 . They do not know that wasting time means wasting part of their own 8 . In a word,
42、we should save time. We shouldn“t 9 today“s work for tomorrow. Remember we have no time to 10 .（分数：20.00）A.muchB.lessC.much lessD.even more 解析：解析 该句中多音节形容词 important 的比较级应是 more important，用 even 来修饰比较级，故选 even more important。A.costB.boughtC.gone D.finished解析：解析 这里表示时间流逝，故选 gone。A.return B.carryC.tak
43、eD.bring解析：解析 时间流逝就不会再回来，根据文意应选 return。A.whatB.thatC.becauseD.why 解析：解析 上文解释了我们为什么不能浪费时间，承接上文应用 why。A.moneyB.time C.dayD.food解析：解析 时间的流逝悄无声息，故应选 time。A.nothingB.something C.anythingD.everything解析：解析 根据文意可知，我们应珍惜时间，做一些有用的事情，故选 something。A.readingB.writingC.playing D.working解析：解析 该句列举了一些人浪费时间的例子，四个选项中
44、只有 playing 能和 smoking，drinking 相提并论，故选 C。A.timeB.foodC.moneyD.life 解析：解析 根据文意，浪费时间就是浪费自己的生命，故选 life。A.stopB.leave C.letD.give解析：解析 leave 意为“留下，剩下”。根据文意，我们不能把今天的事留到明天做，故选 leave。A.lose B.saveC.spendD.take解析：解析 这里表示浪费时间，故选 lose。四、Part 3(总题数：1，分数：10.00)The plan of building “New Towns“ to absorb growth i
45、s frequently considered a cure-all for urban problems. It is erroneously (错误地) assumed that if new residents can be diverted from existing centers, the present urban situation at least will get no worse. It is further and equally erroneously assumed that since European New Towns have been financiall
46、y and socially successful, we can expect the same sorts of resorts in the United States. Present planning, thinking, and legislation will not produce the kinds of New Town that have been successful abroad. It will multiply suburbs or encourage development in areas where land is cheap and constructio
47、n profitable rather than where New Towns are genuinely needed. Such ill-considered projects not only will fail to relieve pressures on existing cities but will, in fact, tend to weaken those cities further by drawing away high-income citizens and increasing the concentration of low-income groups tha
48、t are unable to provide tax income. The remaining taxpayers, accordingly, will face increasing burdens, and industry and commerce will seek escape. Unfortunately, this mechanism is already at work in some metropolitan areas. The promoters of New Towns so far in the United States have been developers, builders, and financial institutions. The main interest of these promoters is economic gain. Further-more, federal regulations d
