2019年光大银行招聘考试真题精选

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1 单选题 1分

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

What’s the main theme of the passage?

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正确答案：D

本题解析：

主旨题。根据文段的第一句话和文段整体的介绍，该文段就是意在让大家对养老重视，并且积极参加，所以就是如何很好的做出正确的养老计划。故D项符合文意。A项仅仅只是提到一方面，不是本文段的重点陈述的部分，故排除。B项本文段旨在让大家对于养老要清楚并积极参加养老，而且还给了很多中肯的建议。B项片面，只是说到养老的重要性。C项和文段向背离，故排除。因此答案选D。

2 单选题 1分

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

According to the passage, retirement plans may be offered by____

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正确答案：B

本题解析：

细节题。根据关键词定位到原文段标号5“If you have an employer or government pension plan learn all the details”可以得知，养老金的计划是涉及雇主和政府双方面的，故B项符合。其余三项都片面，没有说全。因此答案选B。

3 单选题 1分

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

What will happen if you withdraw your retirement savings before you retire?

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正确答案：A

本题解析：

细节题。根据关键词定位到原文段标号6“Don’t make a withdrawal until you retire You might incur penalties and it will be a setback for realizing your goals”可以得知，一旦提前取走养老金，就很可能面临罚款，故A项符合。B项绝对了，可能对实现自己的目标会有障碍，但并不是就实现不了，排除B项。文段表明的意思是尽量不要动用这笔养老的钱，而不是动用了就会冻结，因此排除。D项文段没有提及要不要重新缴纳的问题，故排除D项。因此答案选A。

4 单选题 1分

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

Who can be a financial professional?

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正确答案：D

本题解析：

细节题。我们可以将关键词进行定位，定位到标号为1的段落，所谓的金融专家，主要就是像是一个医生，主要对你目前的经济状况和未来的计划进行指导。因此D项符合文段。A项侧重身体健康检查，排除。B项指的就像医生定期来访，排除。C项指的是定期举行会议，这个是形式，但不是最终对金融专家的解释，排除。因此答案选D。

5 单选题 1分

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings

Some scary facts about retirement

?More than 50% of persons do not have enough finances for retirement

?25%do not participate in their company’s retirement plan

?The average person spends 20 years in retirement

Here are some tips to help you plan correctly

1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals

2. Save and keep on saving. Make it a habit to save as much as you can

3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator

4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options

5. Learn about pension. If you have an employer or government pension plan learn all the details

6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals

Which of the following is NOT true about retirement?

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正确答案：C

本题解析：

是非题。从题目要求看这个题是一个细节题。A项我们可以在文段中定位出来“More than 50% of persons do not have enough finances for retirement”，排除A项。B项文段定位到“25%do not participate in their company’s retirement plan”a quarter就相当于25%，排除B项。D项定位“The average person spends 20 years in retirement”和D项几乎是同义替换，排除D项。C项文段只是说要耗费时间和金钱，但并没有说没有人在退休是有保障。故C项不符文意。因此答案选C。

6 单选题 1分

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

What’s the author’s attitude to the present airline pricing?

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正确答案：A

本题解析：

态度题。从整个文段作者表述的方式，就是客观的表明机票的定价机制。并没有针对这个问题过多的表明自己的态度。所以作者就是中立的态度。B项：积极的；C项：消极的；D均：未提及；均不符。因此答案选A。

7 单选题 1分

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

Why may prices for direct flights be higher according to the passage?

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正确答案：B

本题解析：

细节题。根据文段定位“……the market is segmented based on demand for direct flights Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct……”。B项符合，航空公司可以利用很对策略去增加自己的利润，当然可以抓住消费者心理那就是较短的时间到达目的地。答案A项太过于绝对化，故排除。答案C项的原因是说因为飞机联系比较不方便，文段说人们就是项今早到达目的地，所以航空公司是抓住了这个心理，故C项排除。D项仅仅是一方面，但并不是该题目的答案，排除。因此答案选B。

8 单选题 1分

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

According to the example, how much should you pay if you fly to Milan from JFK and stop in Rome midway?

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正确答案：D

本题解析：

细节题。根据文段定位“booked on April 30 Compare that to $903 for a round-teip economy ticket to Milan(stopping in Rome)leaving JFK……”。故答案D项符合文意。A项在文段的最后一句提到，航空公司一般不会这么做，排除。B项是没有经停罗马的价格。C项没有提到827这个机票的价格，故排除。因此答案选D。

9 单选题 1分

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

What is puzzling about the airline pricing to the author?

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正确答案：A

本题解析：

细节题。根据文段定位到第一段。我们可以知道这个一方面是建立在supply and demand，还有就是peak travel season和prime destinations，以及后文提到的destination。这样我们就得知在文段中提及的有B、C、D三项。但是唯独A项当中所说的成本和需求未提及。因此答案选A。

10 单选题 1分

Everyone knows airline pricing is based on supply and demand. Fares are mores expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lower

What’s puzzling is that you can pay a high price to a given destination but a dramatically lower price for the exact same flight if you agree to go on to another destination.

Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $903 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?

Airlines have increased their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you don’t pay up for a direct flight in order to encourage you to fly direct)

When process become so obviously illogical it may be time to why air tickets can’t be transferred or resold just like any other normal product If the airlines are entitled to exploit the free market shouldn’t customers be allowed to do the same thing?

According to the passage, prices are normally determined by____

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正确答案：A

本题解析：

细节题。根据文段定位到第一段。我们可以知道这个一方面是建立在supply and demand，还有就是peak travel season和prime destinations，以及后文提到的destination。这样我们就得知在文段中提及的有B、C、D三项。但是唯独A项当中所说的成本和需求未提及。因此答案选A。