1、银行系统公开招聘考试(中国银行)模拟 21 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.Hello, this is Tina speaking. Is that Sam? Sorry, he isn“t here at the moment. _?（分数：2.00）A.Can I take a messageB.What are you saying to TinaC.May I speak to SamD.Who“s that speaking2.David, look at the man in white over t
2、here. Can you tell me _? He is a doctor.（分数：2.00）A.who is heB.who he isC.what is heD.what he is3.Steven, could you help me _ when the plane will take off on the Internet? I“m sorry, my computer doesn“t work.（分数：2.00）A.get onB.find outC.look forD.look after4.He is so fat that the chair is not large e
3、nough for him to _.（分数：2.00）A.sitB.sit onC.sit downD.take a seat5._ of the twins passed the exam because they worked hard at their lessons.（分数：2.00）A.EveryB.NeitherC.NoneD.Both6.The editor“s job is to keep the newspaper _ and _ to the readers.（分数：2.00）A.balanced; interestedB.balancing; interestingC.
4、balanced; interestingD.balancing; interested7.The river, _ the bank are covered with trees, is very long.（分数：2.00）A.whoseB.whichC.of whichD.which of8.Your name again, please? _. It“s Bell Green.（分数：2.00）A.I didn“t quite catch youB.I couldn“t quite catch youC.I don“t hear youD.It“s your name9.In my o
5、pinion, what he told us just now about the affair simply doesn“t make any _.（分数：2.00）A.ideaB.meaningC.senseD.point10.I am in _ charge of the class which was in _ charge of my wife.（分数：2.00）A./; theB./; /C.the; /D.the; the三、Part 2(总题数：1，分数：30.00)I“ve been a taxi driver for 1 ten years. 2 London taxi
6、drivers have their own taxis. It“s a nice 3 most of time. You meet a lot of people. I always work at night, 4 there is too much 5 during the day. I live twenty miles outside London and I go to work at 5:30 in the afternoon. I usually go home between 2 and 3 in the morning. Some very 6 things happene
7、d late at night. 7 I was taking a woman home from a party. She had her little dog with her. 8 we got to her house, she found that she had lost her 9 . So I waited in the car with the dog while she climbed in 10 the window. I waited and waited. After half an hour of ringing the bell I decided to 11 w
8、hat was going on. I tied the dog to a tree and started to climb in through the window. The next thing I knew was 12 the police came. They thought I was a thief. 13 the woman came downstairs. She must 14 sleep and forgotten about me and the 15 !（分数：30.00）A.duringB.sinceC.nearlyD.nextA.MostB.MuchC.Bot
9、hD.NoA.carB.peopleC.lifeD.jobA.becauseB.whereC.untilD.thoughA.noiseB.trafficC.houseworkD.studentsA.trueB.hardC.strangeD.certainA.Another dayB.Other dayC.Any other dayD.The other dayA.WhenB.WhileC.WhereD.AfterA.directionB.hatC.keyD.moneyA.throughB.aboveC.belowD.underA.ask forB.look upC.take overD.fin
10、d outA.thatB.forC.whenD.howA.UnfortunatelyB.LuckilyC.SuddenlyD.ActuallyA.go toB.beC.have been toD.have gone toA.thiefB.dogC.policeD.party四、Part 3(总题数：1，分数：10.00)In recent years, railroads have been combining with each other, merging into supersystems, causing heightened concerns about monopoly. As r
11、ecently as 1995, the top four railroads accounted for under 70 percent of the total ton-miles moved by rails. Next year, after a series of mergers is completed, just four railroads will control well over 90 percent of all the freight moved by major rail carriers. Supporters of the new supersystems a
12、rgue that these mergers will allow for substantial cost reductions and better coordinated service. Any threat of monopoly, they argue, is removed by fierce competition from trucks. But many shippers complain that for heavy bulk commodities traveling long distances, such as coal, chemicals, and grain
13、, trucking is too costly and the railroads therefore have them by the throat. The vast consolidation within the rail industry means that most shippers are served by only one rail company. Railroads typically charge such “captive“ shippers 20 to 30 percent more than they do when another railroad is c
14、ompeting for the business. Shippers who feel they are being overcharged have the right to appeal to the federal government“s Surface Transportation Board for rate relief, but the process is expensive, time consuming, and will work only in truly extreme cases. Railroads justify rate discrimination ag
15、ainst captive shippers on the grounds that in the long run it reduces everyone“s cost. If railroads charged all customers the same average rate, they argue, shippers who have the option of switching to trucks or other forms of transportation would do so, leaving remaining customers to shoulder the c
16、ost of keeping up the line. It“s a theory to which many economists subscribe, but in practice it often leaves railroads in the position of determining which companies will flourish and which will fail. “Do we really want railroads to be the arbiters of who wins and who loses in the marketplace?“ ask
17、s Martin Bercovici, a Washington lawyer who frequently represents shippers. Many captive shippers also worry they will soon be hit with a round of huge rate increases. The railroad industry as a whole, despite its brightening fortunes, still does not earn enough to cover the cost of the capital it m
18、ust invest to keep up with its surging traffic. Yet railroads continue to borrow billions to acquire one another, with Wall Street cheering them on. Consider the $10.2 billion bid by Norfolk Southern and CSX to acquire Conrail this year. Conrail“s net railway operating income in 1996 was just $427 m
19、illion, less than half of the carrying costs of the transaction. Who“s going to pay for the rest of the bill? Many captive shippers fear that they will, as Norfolk Southern and CSX increase their grip on the market.（分数：10.00）(1).According to those who support mergers, railway monopoly is unlikely be
20、cause _.（分数：2.00）A.cost reduction is based on competitionB.services call for cross-trade coordinationC.outside competitors will continue to existD.shippers will have the railway by the throat(2).What is many captive shippers“ attitude towards the consolidation in the rail industry?（分数：2.00）A.Indiffe
21、rent.B.Supportive.C.Indignant.D.Apprehensive.(3).It can be inferred from Paragraph 3 that _.（分数：2.00）A.shippers will be charged less without a rival railroadB.there will soon be only one railroad company nationwideC.overcharged shippers are unlikely to appeal for rate reliefD.a government board ensu
22、res fair play in railway business(4).The word “arbiters“ (Line 7, Paragraph 4) most probably refers to those _.（分数：2.00）A.who work as coordinatorsB.who function as judgesC.who supervise transactionsD.who determine the price(5).According to the text, the cost increase in the rail industry is mainly c
23、aused by _.（分数：2.00）A.the continuing acquisitionB.the growing trafficC.the cheering Wall StreetD.the shrinking market五、职业能力测试(总题数：6，分数：12.00)11.目前，美国和西方各国深陷 2008 年以来的世界经济萧条中，复苏_；另一方面，中国、印度等金砖国家又呈现出经济增速下行的征兆。在此世界经济格局下，重温哈耶克与凯恩斯之间有关货币、利息、信用、资本形成和商业周期发生机理的大论战，重新_人类进入现代社会后经济危机发生的深层原因和复苏机理，不但具有经济学说史上的理论意
24、义，也显然有着极强的、切实的和巨大的当下意义。 依次填入画横线部分最恰当的一项是_。（分数：2.00）A.遥遥无期 反思B.步履维艰 认识C.旷日持久 审视D.进退维谷 探讨12.有人说：“三百个齐白石，比不上一个鲁迅。”此言曾引起强烈争议，很多人对于这两位先贤的可比性提出质疑：文学和绘画怎么比呢?但是从社会功能来讲，如果没有鲁迅，我们这个民族的精神会大不相同。美术终究不能像文字那样直接用语言文字表达作者的思想意愿，并在读者心中刻下不可磨灭的深痕。例如鲁迅小说呐喊彷徨的插图，虽然有助于读者对小说中的人物、内涵产生具象感，促进对思想内容的理解，但不能替代小说本身。齐白石的画，以独特的艺术笔触描绘
25、了自然与人间的鲜活意象。也有对社会不平的尖锐讽刺，但终归不能像鲁迅的小说、杂文那样对社会施以巨大的冲击力。 这段文字意在说明_。（分数：2.00）A.文学和美术有不同的艺术价值B.美术是一种含蓄、间接的艺术表达形式C.文学对社会的影响力较美术更胜一筹D.鲁迅在民族性格的形成中有着不可动摇的地位13.从外观上看，集装箱的结构太简单，甚至让人们觉得不屑一顾。但在集装箱出现之后，货运变得如此便宜，以至于某件产品产自东半球，运至纽约销售，远比在纽约近郊生产该产品来得划算。运输过程中成本的节省来自于工具和技术的改进，而这个工具和技术就来自于集装箱看似简单却发挥着神奇功能的独特构造。所以说，简单的技术能带
26、来的世界的变革，影响到整个世界的进程。 这段文字意在说明_。（分数：2.00）A.小设计改变大世界B.全球化消除了区域藩篱C.货运成本影响着商品价格D.简洁成为未来设计的主要趋势14.人们普遍认为，肉食最有营养。但是许多研究证明食肉过多导致的肥胖实际上也是一种营养缺乏。在欧美家庭中的肥胖症人群中，患有骨质疏松的病例比比皆是，为什么吃肉越多越缺钙呢?肉是酸性食物，当过度地摄入酸性食物之后，身体的酸碱失衡了，所以人体的自我调节功能就要把各个部位，比如骨骼中、血液中的钙都调动到消化道里来进行酸碱平衡，这样骨骼中的钙就会越来越少。现代人的生活方式，进食习惯和生理代谢使我们的身体愈发向偏酸方向发展。而偏
27、酸的身体就会使很多疾病发生。究其原因，就是饮食结构不当导致的。 这段文字意在说明_。（分数：2.00）A.食肉过多是肥胖的主要原因B.骨质疏松的防治应从饮食入手C.酸碱平衡是机体健康的重要指标D.及时补充碱性食物有助营养吸收15.伦敦是世界上最拥挤的城市之一，在拥挤程度最甚的街道上，车速甚至在 12 英里/小时之下。面对这种状况，伦敦政府开始对机动车收取拥堵费，当天或者之前交费每辆 8 英镑。开始的一段时间，伦敦街道拥堵的状况有所好转，可是随着时间的推移，拥堵又出现反弹。不久，拥堵达到了最大化，伦敦行车速度只能在 8 英里/小时以下。原来，在收取拥堵费之前，许多私家车主觉得城市的拥堵也有自己的
28、责任，不自觉地产生了一种“负罪感”，从而有意无意地减少驾车出行的时间。可是当他们交了 8 英镑的拥堵费之后，就认为自己为“错误”付出了代价，驾车出行理直气壮，没有了“负罪感”。很多时候，面对别人犯下的错误，我们总想让对方付出代价。可是，有时候，最好的方式就是宽容甚至“放任”他的错误。只有这样，他才会产生内疚感，从而能长时间地记住这个错误，永远不犯同样的错误。 这段文字主要说明了_。（分数：2.00）A.只从制定规则考虑没有从道德去考虑B.面对伦敦的交通拥堵最好的方式就是宽容C.伦敦的交通政策不完善D.人们不遵守交通规则16.人们一般认为，诚信与否是个人品德问题，与他人无关，但是个人品德却不仅仅
29、是个人问题，它还会通过外部性产生社会效果个人得到的亏欠，最终可能会“报应”到整个社会头上，从制度经济学的角度来看，一个好的经济制度和治理机制应当能够抑制负外部性，否则经济秩序可能走向崩溃，要通过制度和机制让始作俑者承担应有的责任，而不是让他人或者整个市场为之埋单。 对这段文字的主旨概括最准确的是_。（分数：2.00）A.个人品德确实得由全社会埋单B.经济制度对经济秩序意义重大C.诚信既是社会问题又是经济问题D.需用制度抑制不诚信的负外部性六、行业认知(总题数：0，分数：0.00)七、单项选择题(总题数：10，分数：20.00)17.商业银行经营的核心是_。（分数：2.00）A.业务营业B.市场
30、营销C.现金管理D.存款经营18.下列属于投资银行最本源、最基础的业务活动的是_。（分数：2.00）A.证券发行与承销B.兼并收购C.基金管理D.资产证券化19.下列包含了信用风险与通货膨胀风险的利率是_。（分数：2.00）A.实际利率B.优惠利率C.浮动利率D.名义利率20._是由金融机构内部因素变化所导致的操作风险。（分数：2.00）A.操作性失误风险B.操作性杠杆风险C.合规风险D.交易风险21._被认为是近代中央银行的鼻祖。（分数：2.00）A.瑞典银行B.英格兰银行C.法兰西银行D.普鲁士银行22.中央银行在政府的监督和国家总体经济政策的指导下，独立地制定、执行货币政策，这体现了当代
31、中央银行的_。（分数：2.00）A.稳定性B.不稳定性C.相对独立性D.依赖性23.通过监管当局的实地作业来评估银行机构经营稳健性和安全性的监管方法是_。（分数：2.00）A.现场检查B.并表监管C.实证监管D.非现场监管24.按金融创新的内容划分，金融创新可以分为_。（分数：2.00）A.市场主导型和政府主导型B.逃避管制型与规避风险型C.技术推动型和理财型D.制度创新、业务创新和工具创新25.下列不属于银行监管当局的监管内容的是_。（分数：2.00）A.市场准入监管B.市场运营监管C.市场退出监管D.上市公司监管26.弗里德曼认为，货币需求量是稳定的、可以预测的，因此，货币政策应_。（分数
32、：2.00）A.“相机行事”B.重在调整利率C.实行“单一规则”D.“走走停停”八、多项选择题(总题数：4，分数：8.00)27.关于完全竞争市场结构，下列说法正确的有_。（分数：2.00）A.企业长期、短期都不存在经济利润B.企业长期不存在经济利润，但短期存在经济利润或亏损C.企业长期、短期都可能存在经济利润，也可能存在亏损，但长期与短期发生利润或亏损的机理不同D.所谓企业的“长期”“短期”是和生产要素调整及企业进出行业相关的，并不是时间的概念28.决定某种商品需求价格弹性大小的因素主要有_。（分数：2.00）A.该种商品的替代品数量和相近程度B.该种商品的生产周期长短C.该种商品在生活消费
33、中的重要性D.该种商品的用途多少29.下列关于名义 GDP 和实际 GDP 的说法，正确的有_。（分数：2.00）A.名义 GDP 大于实际 GDPB.名义 GDP=实际 GDPGDP 折算指数C.实际 GDP=名义 GDPGDP 折算指数D.实际 GDP 的计算是用从前某一年作基期的30.在一般情况下，政府实施最高限价可能产生的结果或问题有_。（分数：2.00）A.供给短缺B.生产者变相涨价C.黑市交易D.生产者变相降价银行系统公开招聘考试(中国银行)模拟 21 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.Hello, thi
34、s is Tina speaking. Is that Sam? Sorry, he isn“t here at the moment. _?（分数：2.00）A.Can I take a message B.What are you saying to TinaC.May I speak to SamD.Who“s that speaking解析：解析 句意：你好，我是 Tina。请问 Sam 在吗?对不起，他现在不在这儿，我可以带口信给他吗?根据句意，Sam 不在，所以问是否可以带口信，故选 A。2.David, look at the man in white over there. C
35、an you tell me _? He is a doctor.（分数：2.00）A.who is heB.who he isC.what is heD.what he is 解析：解析 句意：David，看那边那个穿自衣服的人，你能告诉我他是干什么的吗?他是医生。本题考查宾语从句的用法。又因为宾语从句要用陈述句语序，排除 A、C 项，由答句可知询问的是职业，所以用疑问词 what。本题选 D。3.Steven, could you help me _ when the plane will take off on the Internet? I“m sorry, my computer d
36、oesn“t work.（分数：2.00）A.get onB.find out C.look forD.look after解析：解析 句意：Steven，你能帮我在网上查一下飞机将在什么时候起飞吗?对不起，我的电脑坏了。本题考查动词短语辨析。get on 上(车)；find out 找出，查找；look for 寻找；look after 照顾。根据语境应选 B。4.He is so fat that the chair is not large enough for him to _.（分数：2.00）A.sitB.sit on C.sit downD.take a seat解析：解析 s
37、it on a chair 是固定搭配。本题选 B。5._ of the twins passed the exam because they worked hard at their lessons.（分数：2.00）A.EveryB.NeitherC.NoneD.Both 解析：解析 neither 强调“两者都不”，none 强调“三者以上的都不”。A 项的 every 只能作定语，不能作主语、表语或宾语。根据后文句意，答案为 D。6.The editor“s job is to keep the newspaper _ and _ to the readers.（分数：2.00）A.b
38、alanced; interestedB.balancing; interestingC.balanced; interesting D.balancing; interested解析：解析 balanced 在此是过去分词作宾补，意为“平衡的”；interesting 作形容词修饰物，interested 修饰人。7.The river, _ the bank are covered with trees, is very long.（分数：2.00）A.whoseB.whichC.of which D.which of解析：解析 名词或代词+关系代词 whom/which 可以引导非限定性
39、定语从句，表示部分与整体的关系，作用相当于 whose+名词，of which the bank=the bank of which=whose bank，因此答案为 C。8.Your name again, please? _. It“s Bell Green.（分数：2.00）A.I didn“t quite catch you B.I couldn“t quite catch youC.I don“t hear youD.It“s your name解析：解析 让对方重复其姓名，是因为没有听清(表示事实)。catch 此处意为“听清”。B 项是干扰项，说话人要表述的是“刚才没有听清”，而
40、不是“不能听清”。9.In my opinion, what he told us just now about the affair simply doesn“t make any _.（分数：2.00）A.ideaB.meaningC.sense D.point解析：解析 make sense 是习语，意为“有道理”“意义清楚”。10.I am in _ charge of the class which was in _ charge of my wife.（分数：2.00）A./; the B./; /C.the; /D.the; the解析：解析 in charge of 的意思是“
41、负责”“管理”，其主语通常是人；in the charge of 的意思是“由负责或管理”，其主语通常是物。三、Part 2(总题数：1，分数：30.00)I“ve been a taxi driver for 1 ten years. 2 London taxi drivers have their own taxis. It“s a nice 3 most of time. You meet a lot of people. I always work at night, 4 there is too much 5 during the day. I live twenty miles o
42、utside London and I go to work at 5:30 in the afternoon. I usually go home between 2 and 3 in the morning. Some very 6 things happened late at night. 7 I was taking a woman home from a party. She had her little dog with her. 8 we got to her house, she found that she had lost her 9 . So I waited in t
43、he car with the dog while she climbed in 10 the window. I waited and waited. After half an hour of ringing the bell I decided to 11 what was going on. I tied the dog to a tree and started to climb in through the window. The next thing I knew was 12 the police came. They thought I was a thief. 13 the
44、 woman came downstairs. She must 14 sleep and forgotten about me and the 15 !（分数：30.00）A.duringB.sinceC.nearly D.next解析：解析 根据句意可知，我当司机已经将近十年了，只有 C 项符合。A.Most B.MuchC.BothD.No解析：解析 此处要表达的意思是大部分司机都有自己的车，只能选 A 项。A.carB.peopleC.lifeD.job 解析：解析 根据下文可知，作者喜欢自己的工作，所以此处是说这是一个很好的工作。A.because B.whereC.untilD.t
45、hough解析：解析 我总是在晚上工作，后面解释晚上工作的原因，用 because。A.noiseB.traffic C.houseworkD.students解析：解析 白天有太多的交通工具，用 traffic。A.trueB.hardC.strange D.certain解析：解析 由下文可知，深夜总是发生一些奇怪的事儿。A.Another dayB.Other dayC.Any other dayD.The other day 解析：解析 此处表达的意思是不久前的一天，已经是过去的时间了，只有 D 项符合。A.When B.WhileC.WhereD.After解析：解析 此处表达的意思
46、是当我们到她家的时候，排除 C、D 两项。而 while 表示延续性动作，故只有 A 项正确。A.directionB.hatC.key D.money解析：解析 根据下文她爬窗户进入房子可知，她发现自己丢了钥匙，故答案选 C。A.through B.aboveC.belowD.under解析：解析 联系上下文可知，她丢了钥匙，通过窗户爬到屋里，用 through。A.ask forB.look upC.take overD.find out 解析：解析 A 项意为“要求，请求”；B 项意为“仰望，查阅字典”；C 项意为“接收”；D 项意为“查明，找到”。只有 D 项符合，答案选 D。A.th
47、at B.forC.whenD.how解析：解析 由下文可知，警察来了，认为作者是小偷，此处用 that 引导定语从句。A.UnfortunatelyB.Luckily C.SuddenlyD.Actually解析：解析 此处表达的意思是：幸运的是，那个妇女下楼来了，其他选项与语境不符，故答案选 B。A.go toB.beC.have been toD.have gone to 解析：解析 全文用一般过去时，排除 A、B 两项。联系本句的句意，这里作者猜测她刚才一定去睡觉了，C 项表示一直在睡觉，常与时间状语连用，D 项表示去睡觉了，D 项更符合句意。A.thiefB.dog C.police
48、D.party解析：解析 根据全文的意思，上文提到“She had her little dog with her”，一起乘车，之后自己一个人回了家，睡着了，所以此处应该是忘记我和她的狗了。四、Part 3(总题数：1，分数：10.00)In recent years, railroads have been combining with each other, merging into supersystems, causing heightened concerns about monopoly. As recently as 1995, the top four railroads accounted for under 70 percent of the total ton-miles moved by rails. Next year, after a series of mergers is completed, just four railroads will control well over 90 percent of all the freight moved by major rail carriers. Supporters of t
