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2021银行综合押题密卷5

卷面总分:127分 答题时间:240分钟 试卷题量:127题 练习次数:90次
单选题 (共97题,共97分)
1.

证券回购是以证券为质押品而进行的短期资金融通,借款的利息等于(  )之差。

  • A. 购回价格与买入价格
  • B. 购回价格与卖出价格
  • C. 证券面值与买入价格
  • D. 证券面值与卖出价格
标记 纠错
2.

国民经济发展的总体目标一般包括(  )。

  • A. 经济增长、充分就业、物价稳定和国际收支平衡
  • B. 经济增长、区域协调、物价稳定和国际收支平衡
  • C. 经济增长、充分就业、物价稳定和进出口增长
  • D. 经济增长、区域协调、物价稳定和进出口增长
标记 纠错
3.

关于改革开放初期原有“四大专业银行”分工的下列说法中错误的是(  )。

  • A. 中国工商银行专门经营工商信贷和个人储蓄业务
  • B. 中国银行专门制定和执行货币政策,维护金融稳定
  • C. 中国农业银行专门经营农村金融业务
  • D. 中国建设银行专门经营基础设施建设等长期信用业务
标记 纠错
4.

人民代表大会制度的核心内容是(  )。

  • A. 民主集中制
  • B. 国家的一切权力属于人民
  • C. 坚持中国共产党的领导
  • D. 广泛的人民参与
标记 纠错
5.

按照法律规定,职工累计工作已满1年不满10年的,可享受带薪年休假(  )。

  • A. 1天
  • B. 5天
  • C. 10天
  • D. 15天
标记 纠错
6.

2020年2月初,武汉市开始连夜建设三所“(  )”,用于专门收治确诊的新型冠状病毒感染的肺炎轻症患者。

  • A. 火神山医院
  • B. 雷神山医院
  • C. 小汤山医院
  • D. 方舱医院
标记 纠错
7.

2020年1月2日电,自今年1月1日起,符合条件的港澳台居民可在(  )参加社会保险。目前,珠海市已启动实施港澳台居民参加珠海社会保险工作,专题部署和组织培训。

  • A. 珠海市
  • B. 深圳市
  • C. 广州市
  • D. 厦门市
标记 纠错
8.

2020年1月5日,《庚子年》特种邮票首发仪式在(  )举行,2020年是庚子鼠年,也是中国邮政发行生肖邮票(  )周年,此次生肖邮票加入了邮票数字化内容。

  • A. 北京;30
  • B. 上海;40
  • C. 上海;30
  • D. 北京;40
标记 纠错
9.

“只要有信心,黄土变成金”所蕴含的的哲理是(  )。

  • A. 意识对物质具有能动的反作用
  • B. 意识活动本身可以改变客体
  • C. 人们的精神活动依赖于物质活动
  • D. 社会意识决定社会存在
标记 纠错
10.

歌剧是将音乐、戏剧、文学(诗歌)、舞台美术融合为一体的综合性艺术。下列关于我国歌剧的表述错误的是(  )。

  • A. 聂耳的《扬子江暴风雨》和冼星海的《军民大生产吧》在反映群众革命斗争的内容上、在借鉴西洋歌剧的经验上、在艺术形式民族化的问题上作出了尝试
  • B. 歌剧《江姐》的基本情节取材于长篇小说《红岩》,1964年由中国人民解放军空政歌剧团于北京首演
  • C. 歌剧《刘胡兰》是五四新文化运动以后,在中国共产党领导和毛泽东同志的革命文艺路线指引下诞生的第一部新歌剧
  • D. 《白毛女》在我国歌剧史上是一座里程碑式的作品,它标志着我国歌剧找到了自己独特的发展道路,形成了自身鲜明的美学品格
标记 纠错
11.

丹霞地貌是指由陆相红色砂砾岩构成的具有陡峭坡面的各种地貌形态。以下景观属于丹霞地貌的是(  )。

  • A. 新疆克拉玛依魔鬼城
  • B. 江西龙虎山
  • C. 广东肇庆七星岩
  • D. 湖南张家界
标记 纠错
12.

甲有一手表,委托乙保管,乙擅自将手表卖给丙,丙又赠与女友丁,丁戴上3天后在街头被戊抢走,戊后又遗失于街头,为庚拾得。根据《物权法》的规定,对该手表享有所有权的是(  )。

  • A.
  • B.
  • C.
  • D.
标记 纠错
13.

根据我国《合同法》的规定,下列关于合同的形式说法正确的是(  )。

  • A. 合同的形式包括书面形式和口头形式
  • B. 合同的书面形式是指合同书形式
  • C. 合同的形式必须为书面的
  • D. 电子邮件合同是口头形式合同
标记 纠错
14.

某医院医生甲为患者乙做手术时将一块纱布遗留在乙腹腔,乙因此所受的损害应有(  )。

  • A. 医院承担全部赔偿责任
  • B. 甲承担全部赔偿责任
  • C. 医院和甲承担连带赔偿责任
  • D. 甲承担赔偿责任,医院承担补充责任
标记 纠错
15.

下列哪项不属于20世纪的四大发明?(  )

  • A. 计算机
  • B. 原子能
  • C. 打印机
  • D. 半导体
标记 纠错
16.

下列关于历史典籍,表述正确的是(  )。

  • A. 《春秋》是我国第一部国别体史书
  • B. 《史记》是我国第一部编年体通史
  • C. 《汉书》是我国第一部纪传体断代史
  • D. 《资治通鉴》是我国第一部纪传体通史
标记 纠错
17.

下列关于中国航天技术的说法,不正确的是(  )。

  • A. 我国运载火箭均属于“长征”系列
  • B. 中国现在已建成的航天器发射场有酒泉、西昌、西宁三处
  • C. 中国于1970年成功发射了第一颗人造地球卫星“东方红一号”
  • D. “嫦娥工程”是中国启动的第一个探月工程
标记 纠错
18.

在金融工具的性质中,成反比关系的是(  )。

  • A. 期限性与收益性
  • B. 风险性与期限性
  • C. 期限性与流动性
  • D. 风险性与收益性
标记 纠错
19.

承担支持进出口贸易融资任务的政策性银行是(  )。

  • A. 国家开发银行
  • B. 中国农业发展银行
  • C. 中国进出口银行
  • D. 中国银行
标记 纠错
20.

以下不属于金融衍生品的是(  )。

  • A. 股票
  • B. 远期
  • C. 期货
  • D. 期权
标记 纠错
21.

不属于商业银行经济资本管理内容的是(  )。

  • A. 经济资本的计量
  • B. 经济资本的分配
  • C. 经济资本的评价
  • D. 经济资本的测算
标记 纠错
22.

不属于投行业务特征的是(  )。

  • A. 专业性
  • B. 审慎性
  • C. 广泛性
  • D. 创新性
标记 纠错
23.

远期合约的最大功能是(  )。

  • A. 方便交易
  • B. 增加收益
  • C. 增加交易量
  • D. 转嫁风险
标记 纠错
24.

借助于金融市场的交易组织、交易规则和信用制度,以及丰富的可供选择的金融产品和便利的资产交易方式,为各种期限、内容不同的金融工具互相转换提供了必需的条件,可降低交易成本,便利金融工具实现交易的金融市场功能是(  )。

  • A. 货币资金融通功能
  • B. 优化资源配置功能
  • C. 交易及定价功能
  • D. 经济调节功能
标记 纠错
25.

下列哪家机构不属于我国成立的金融资产管理公司?(  )

  • A. 东方
  • B. 信达
  • C. 华融
  • D. 均不符合题意
标记 纠错
26.

关于同业拆借,以下叙述正确的是(  )。

  • A. 拆借双方仅限于商业银行
  • B. 拆入资金只能用于发放流动资金贷款
  • C. 隔夜拆借一般不需要抵押
  • D. 拆借利率由中央银行预先规定
标记 纠错
27.

不属于资产管理理论基础的是(  )。

  • A. 商业性贷款
  • B. 转移理论
  • C. 预期收入理论
  • D. 经营管理理论
标记 纠错
28.

在货币资金借贷中,还款违约属于金融风险中的(  )。

  • A. 流动性风险
  • B. 市场风险
  • C. 操作风险
  • D. 信用风险
标记 纠错
29.

中国银行业协会的日常办事机构为(  )。

  • A. 会员大会
  • B. 理事会
  • C. 常务理事会
  • D. 秘书处
标记 纠错
30.

第一家跨省区设立分支机构的城市商业银行是(  )。

  • A. 北京银行
  • B. 南京银行
  • C. 上海银行
  • D. 威海市商业银行
标记 纠错
31.

信用卡透支利率是日利率的(  )。

  • A. 万分之一
  • B. 万分之三
  • C. 万分之五
  • D. 万分之十八
标记 纠错
32.

某银行的核心资本为100亿元人民币,附属资本为50亿元人民币,风险加权资产为1500亿元人民币,则其资本充足率为(  )。

  • A. 10.0%
  • B. 8.0%
  • C. 6.7%
  • D. 3.3%
标记 纠错
33.

在中央银行资产负债表中,属于负债项目的是(  )。

  • A. 财政部门的借款
  • B. 中央银行发行债券
  • C. 外汇储备
  • D. 待收款项和固定资产
标记 纠错
34.

完全竞争企业面临的需求曲线的需求价格弹性为(  )。

  • A. 大于零的常数
  • B. 非零常数
  • C. 无限大
  • D.
标记 纠错
35.

科斯定理通常受到(  )的影响,使私人间无法达成协议。

  • A. 管制
  • B. 需求
  • C. 价格
  • D. 交易成本
标记 纠错
36.

价格变动影响对总收益的影响取决于(  )。

  • A. 需求收入弹性
  • B. 供给数量弹性
  • C. 供给价格弹性
  • D. 需求价格弹性
标记 纠错
37.

下列用于判断收入分配公平程度的经济指标是(  )。

  • A. 赤字率
  • B. 基尼系数
  • C. 恩格尔系数
  • D. 生产者物价指数
标记 纠错
38.

失业对社会稳定和经济健康发展都有十分严重的危害,为了对失业进行更深入地研究,经济学按失业的原因将其分为不同类型,下列不属于经济学按失业原因分类的是(  )。

  • A. 摩擦性失业
  • B. 结构性失业
  • C. 放开性失业
  • D. 周期性失业
标记 纠错
39.

下列关于GDP和GNP两个经济概念的表述,不正确的是(  )。

  • A. GDP强调的是地域概念
  • B. GNP强调的是人口概念
  • C. 一个美国公民在中国工作,取得的收入可计入美国的GDP中
  • D. 一个英国公民在中国工作,取得的收入可计入英国的GNP中
标记 纠错
40.

陕西未来将进一步加强交通基础设施建设,力争实现通村公路覆盖全部自然村。关于高速公路和通村公路,以下说法中正确的是(  )。

  • A. 均不属于公共产品,不具备非竞争性
  • B. 均属于公共产品,具备非排他性
  • C. 高速公路不属于公共产品,不具备非竞争性和非排他性
  • D. 通村公路不属于公共产品,不具备非竞争性和非排他性
标记 纠错
41.

据统计,自去年9月份以来,纯碱价格已经从1400元/吨左右上涨至2200元/吨左右,涨幅约60%。假设纯碱与甲商品是替代品,与乙商品是互补品。那么在其他条件不变的情况下,以下说法正确的是(  )。

  • A. 甲商品需求量会增加,乙商品需求量会增加
  • B. 甲商品需求量会减少,乙商品需求量会减少
  • C. 甲商品需求量会增加,乙商品需求量会减少
  • D. 甲商品需求量会减少,乙商品需求量会增加
标记 纠错
42.

在某一时期,一国经济中总供求大体平衡,但存在消费需求不足而投资需求旺盛结构性矛盾,我国应实行(  )。

  • A. 松的货币政策和松的财政政策
  • B. 紧的货币政策和紧的财政政策
  • C. 松的货币政策和紧的财政政策
  • D. 紧的货币政策和松的财政政策
标记 纠错
43.

下列行业中最接近于完全竞争模式的是(  )。

  • A. 飞机制造业
  • B. 烟草业
  • C. 日用小商品制造业
  • D. 汽车制造业
标记 纠错
44.

在凯恩斯的几个持币动机理论中,他认为下列哪项(  )对利率最为敏感。

  • A. 投机动机
  • B. 预防动机
  • C. 交易动机
  • D. 无私动机
标记 纠错
45.

贾某赴新加坡出差,行前到交通银行兑换500新加坡元,这时银行使用的价格是(  )。

  • A. 钞买价
  • B. 汇卖价
  • C. 汇买价
  • D. 钞卖价
标记 纠错
46.

中央银行可以通过以下哪项政策来收缩货币?(  )

  • A. 下调存款准备金率
  • B. 从公开市场买进证券
  • C. 上调再贴现率
  • D. 增加财政支出
标记 纠错
47.

央行两次降息,那么,降息对下列人员最有利的是(  )。

  • A. 30岁,待业青年
  • B. 小张去年毕业,是一家外企的基层员工
  • C. 老王已于2010年退休,现赋闲在家
  • D. 周某65岁,在银行有10万元存款
标记 纠错
48.

三废(废气、废水、废渣),对社会产生的效应属于(  )。

  • A. 消费的正外部性
  • B. 生产的正外部性
  • C. 生产的负外部性
  • D. 消费的负外部性
标记 纠错
49.

在我国,对于项目型管理的企业来说,会优先采取哪一种运作模式?(  )

  • A. 事业部制
  • B. 矩阵制
  • C. 直线职能制
  • D. 职能制
标记 纠错
50.

每个组织都需要注意本组织优良文化的积累,把组织精神灌输到一代又一代,这体现了组织文化的哪个特征?(  )

  • A. 实践性
  • B. 可塑性
  • C. 传承性
  • D. 独特性
标记 纠错
51.

如果一个公司经营状况严重恶化,要谨慎采用哪种用组织变革方式?(  )

  • A. 改良式
  • B. 渐进式
  • C. 计划式
  • D. 爆破式
标记 纠错
52.

对高、中、低层管理人员的技能要求是有所区别的,按三种技能在其技能组成中的比重从大到小排列,对低层管理人员的技能要求应该是(  )。

  • A. 技术技能、人际技能、概念技能
  • B. 人际技能、概念技能、技术技能
  • C. 概念技能、人际技能、技术技能
  • D. 概念技能、技术技能、人际技能
标记 纠错
53.

(  )是指一个组织在长期发展过程中,把组织内全体成员结合在一起的行为方式、价值观念和道德规范,其具有目标导向、凝聚、激烈、创新等功能。

  • A. 组织机构
  • B. 组织领导
  • C. 组织文化
  • D. 组织安排
标记 纠错
54.

不列入存货的是(  )。

  • A. 生产设备
  • B. 库存商品
  • C. 原材料
  • D. 低值易耗品
标记 纠错
55.

某企业从外地购进甲种材料,买价3200元,外地用杂费120元,那么该材料实际成本是(  )。

  • A. 3320
  • B. 3200
  • C. 120
  • D. 3080
标记 纠错
56.

企业下列经济业务中,会影响其偿债能力的是(  )。

  • A. 企业向投资者分配股票股利
  • B. 企业提前支付某供应商货款
  • C. 企业用资本公积转增资本
  • D. 企业用盈余公积弥补亏损
标记 纠错
57.

企业自行建造固定资产过程中专用设备的折旧费,应计入(  )科目。

  • A. 营业外支出
  • B. 其他业务成本
  • C. 在建工程
  • D. 管理费用
标记 纠错
58.

当前公司A信贷购入了2325元人民币的原材料于生产,在30天后支付了这笔应付账款,又过了30天后客户B以3000元的价钱买入这笔原材料,客户将于30天后支付这笔应收账款,则公司的现金周期为(  )天。

  • A. 75
  • B. 90
  • C. 60
  • D. 30
标记 纠错
59.

某公司一台机器使用期满决定报废。该机器原价500000元,己计折旧470000元,已计提减值准备15000元,在清理过程中支付清理费2000元,残料变卖收入20000元,不考虑相关税费,该机器的清理净收益是(  )。

  • A. 18000
  • B. 3000
  • C. 5000
  • D. 10000
标记 纠错
60.

固定资产应当按(  )取折旧,并根据用途分别计入相关资产的成本或当期费用。

  • A.
  • B.
  • C.
  • D.
标记 纠错
61.

在下列固定资产中,不属于企业资产,不计折旧的是(  )。

  • A. 季节性停用的房屋
  • B. 经营方式租入的固定资产
  • C. 融资租入的设备
  • D. 经营方式租出的设备
标记 纠错
62.

下列属于无形资产的是(  )。

  • A. 设备
  • B. 建筑物
  • C. 商标
  • D. 流动资产
标记 纠错
63.

实收资本10000万元,资本公积500万元,盈余公积150万元,未分配利润400万元,则留存收益为(  )万元。

  • A. 1050
  • B. 650
  • C. 550
  • D. 11550
标记 纠错
64.

下列属于产品成本的是(  )。

  • A. 厂房管理人员工资
  • B. 车间人员工资
  • C. 董事会人员工资
  • D. 专设销售部门人员工资
标记 纠错
65.

营业利润不包括以下哪项内容?(  )

  • A. 营业外收入
  • B. 营业收入
  • C. 投资收益
  • D. 其他业务收入
标记 纠错
66.

关于企业利润构成,下列表述不正确的是(  )。

  • A. 企业的利润总额由营业利润、投资收益和营业外收入三部分组成
  • B. 营业成本=主营业务成本+其他业务成本
  • C. 利润总额=营业利润+营业外收入-营业外支出
  • D. 净利润=利润总额-所得税费用
标记 纠错
67.

下列不属于企业经济利益流入的是(  )。

  • A. 销售收入
  • B. 租金收入
  • C. 为第三方代收的款项
  • D. 投资收入
标记 纠错
68.

It is not rare in(  )that people in(  )fifties are going to the university for further education.

  • A. 90s;the
  • B. the 90s;/
  • C. 90s;their
  • D. the 90s;their
标记 纠错
69.

He was no longer a(an)(  )who failed in big events,like the 2008 Beijing Olympics,where he finished an unimpressive 11th.

  • A. anything
  • B. nothing
  • C. anybody
  • D. nobody
标记 纠错
70.

I think I had at least a billion tests,including(  )in which they cut out a piece of muscle from my leg and looked at it under a microscope.

  • A. that
  • B. the one
  • C. it
  • D. one
标记 纠错
71.

After the exploration the army got the building(  )and the(  )area was also cut off from the outside.

  • A. surrounded;surrounded
  • B. surrounding;surrounded
  • C. surrounding;surrounding
  • D. surrounded;surrounding
标记 纠错
72.

(  )the wealth of the country increases,more waste will be produced.

  • A. With
  • B. As
  • C. For
  • D. Since
标记 纠错
73.

-Must I wait till you come back

-No,you(  ).

  • A. mustn't
  • B. needn't
  • C. can't
  • D. won't
标记 纠错
74.

In a desperate move to increase their revenues to meet their sales goal,the company is planning to offer a special discount(  )its customers.

  • A. by
  • B. to
  • C. with
  • D. upon
标记 纠错
75.

(  )in computer technology are allowing users to reach into any part of the world by just clicking a mouse.

  • A. Advancement
  • B. Advances
  • C. Advancing
  • D. Advance
标记 纠错
76.

The company's profits are(  )to hit their peak in the next quarter mainly due to the release of its new line of clothing.

  • A. forecast
  • B. forecasting
  • C. to forecast
  • D. will forecast
标记 纠错
77.

Mr.Gonzalesr who has been a(  )member of the country club for over 25 year,has recently been appointed president.

  • A. first
  • B. valued
  • C. strong
  • D. durable
标记 纠错
78.

The(  )of climbing to the top of the corporate ladder is best defined in the new book published by Scott Thompson,one of the most successful businessmen in history.

  • A. challenge
  • B. dimension
  • C. introduction
  • D. compassion
标记 纠错
79.

The(  )tough training given by our company creates strong and able sales representatives who perform well above others in the same field.

  • A. indifferently
  • B. presumable
  • C. completely
  • D. unbearably
标记 纠错
80.

Everybody showed great respect to the old doctor,who devoted everything he had to(  )the poor conditions of the local hospital.

  • A. improving
  • B. improve
  • C. improved
  • D. being improved
标记 纠错
81.

No student(  )go out of school for snacks during the break without the teacher’s permission.

  • A. will
  • B. must
  • C. shall
  • D. may
标记 纠错
82.

Mum,would you please buy me an ipad

—If you can help do the dishes the whole vacation,you(  )have one as a reward.

  • A. would
  • B. shall
  • C. may
  • D. must
标记 纠错
83.

How’s your tour around the North Lake Is it beautiful

—It(  )be,but it is now heavily polluted.

  • A. will
  • B. would
  • C. should
  • D. Must
标记 纠错
84.

Italy calls an emergency meeting to save the ancient city of Pompeii(  )falling down.

  • A. on
  • B. off
  • C. from
  • D. against
标记 纠错
85.

Don’t bother your father tonight-he’s got a lot(  )his mind.

  • A. on
  • B. to
  • C. in
  • D. around
标记 纠错
86.

According to some(  )by some scholars,lung cancer is caused mainly by smoking.

  • A. rock
  • B. research
  • C. schedule
  • D. Rumor
标记 纠错
87.

The new store,(  )is currently undergoing construction,will have its grand opening sometime next spring.

  • A. who
  • B. were
  • C. when
  • D. which
标记 纠错
88.

Passage 1

During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.

Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."

Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.

That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.

Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

The“stock market game”mentioned in Paragraph 1 is meant to(  ).

  • A. introduce a new course to students
  • B. help students learn about investment
  • C. teach how to apply for a credit card
  • D. encourage students’personal savings
标记 纠错
89.

Passage 1

During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.

Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."

Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.

That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.

Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

How does the writer show us that schools’interest in teaching financial classes has increased in paragraph 2 (  )

  • A. giving examples
  • B. By providing data.BBy raising questions
  • C. By making comparisons
标记 纠错
90.

Passage 1

During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.

Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."

Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.

That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.

Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

According to the passage,taking money-management courses will(  ).

  • A. better students’learning methods
  • B. prevent students going into debt
  • C. help students get accepted by colleges
  • D. make students become very wealthy
标记 纠错
91.

Passage 1

During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.

Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."

Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.

That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.

Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

After completing the financial class,Diane Ray is likely to(  ).

  • A. pay off all her debts
  • B. handle her money better
  • C. find a job in a bank
  • D. manage the family income
标记 纠错
92.

Passage 1

During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.

Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."

Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.

That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.

Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

The passage is mainly about(  ).

  • A. ways to teach students to earn money
  • B. how Diane Ray learns to value money
  • C. the push to teach personal finance in school
  • D. how students choose a proper financial class
标记 纠错
93.

Passage 2

Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.

The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.

But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.

Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.

Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."

However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.

In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What is the finding of the Global Humanitarian Forum (  )

  • A. Global temperatures affect the rate of economic development
  • B. Rates of death from illnesses have risen due to global warming
  • C. Malnutrition has caused serious health problems in poor countries
  • D. onomic trends have to do with population and natural disasters
标记 纠错
94.

Passage 2

Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.

The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.

But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.

Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.

Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."

However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.

In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What do we learn about the Forum's report from the passage (  )

  • A. It was challenged by some climate and risk experts
  • B. It aroused a lot of interest in the scientific circles
  • C. It was warmly received by environmentalists
  • D. It caused a big stir in developing countries
标记 纠错
95.

Passage 2

Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.

The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.

But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.

Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.

Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."

However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.

In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What does Dr.Pielke say about the Forum’s report (  )

  • A. Its statistics look embarrassing
  • B. It is invalid in terms of methodology
  • C. It deserves our closest attention
  • D. Its conclusion is purposely exaggerated
标记 纠错
96.

Passage 2

Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.

The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.

But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.

Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.

Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."

However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.

In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What is Soren Andreasen's view of the report (  )

  • A. Its conclusions are based on carefully collected data
  • B. It is vulnerable to criticism if the statistics are closely examined
  • C. It will give rise to heated discussions at the Copenhagen conference
  • D. Its rough estimates are meant to draw the attention of world leaders
标记 纠错
97.

Passage 2

Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.

The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.

But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.

Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.

Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."

However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.

In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What does Kofi Annan say should be the focus of the Copenhagen conference (  )

  • A. How rich and poor regions can share responsibility in curbing global warming
  • B. How human and economic losses from climate change can be reduced
  • C. How emissions of heat-trapping gases can be reduced on a global scale
  • D. How rich countries can better help poor regions reduce climate hazards
标记 纠错
多选题 (共30题,共30分)
98.

股票价格的确定取决于(  )。

  • A. 票面金额
  • B. 利率
  • C. 收益
  • D. 物价水平
  • E. 实际期限
标记 纠错
99.

按照性质不同,金融工具可分为(  )。

  • A. 货币市场工具
  • B. 资本市场工具
  • C. 债权凭证
  • D. 所有权凭证
  • E. 基础金融工具
标记 纠错
100.

金融市场的构成要素包括(  )。

  • A. 金融市场主体
  • B. 金融市场客体
  • C. 金融市场中介
  • D. 金融市场价格
  • E. 金融监管机构
标记 纠错
101.

在证券回购协议中,可以作为标的物的有(  )。

  • A. 国库券
  • B. 政府债券
  • C. 商业票据
  • D. 信用证
  • E. 大额可转让定期存单
标记 纠错
102.

下列关于商业票据的说法正确的是(  )。

  • A. 发行期限较短
  • B. 发行期限较长
  • C. 面额较小
  • D. 面额较大
  • E. 绝大部分是在一级市场上直接进行交易
标记 纠错
103.

到期期限相同的债权工具利率不同是由以下哪些原因引起的?(  )

  • A. 违约风险
  • B. 汇率水平
  • C. 流动性
  • D. 所得税因素
  • E. 操作风险
标记 纠错
104.

影响客户还贷能力的因素,包括(  )。

  • A. 担保人的经济实力
  • B. 济效益
  • C. 还款资金来源
  • D. 贷款用途
  • E. 现金流量构成
标记 纠错
105.

风险管理的“三道防线”包括(  )。

  • A. 业务团队
  • B. 风险管理团队
  • C. 内部审计团队
  • D. 内部稽核团队
  • E. 科技团队
标记 纠错
106.

根据不同的存取方式,定期存款可以分为(  )。

  • A. 存本取息
  • B. 整存零取
  • C. 协定存款
  • D. 整存整取
  • E. 零存整取
标记 纠错
107.

商业银行的贷款业务有逐步“表外化”的倾向,具体业务包括(  )。

  • A. 票据发行便利
  • B. 贷款额度
  • C. 回购协议
  • D. 循环贷款协议
  • E. 大额可转让定期存单
标记 纠错
108.

关于无差异曲线特征的说法,正确的有(  )。

  • A. 无差异曲线从左向右上倾斜
  • B. 离原点越远的无差异曲线,消费者的偏好程度越高
  • C. 任意两条无差异曲线都不能相交
  • D. 无差异曲线是凸向原点的
  • E. 无差异曲线斜率为负
标记 纠错
109.

序数效用论对消费者的偏好假设有(  )。

  • A. 完备性
  • B. 可传递性
  • C. 偏好于多而不是少
  • D. 平均性
  • E. 无差异性
标记 纠错
110.

凯恩斯的“流动性偏好理论”认为人们的货币需求是由(  )所决定。

  • A. 交易动机
  • B. 预防动机
  • C. 安全动机
  • D. 投机动机
标记 纠错
111.

交换的帕累托最优状态是(  )。

  • A. 两条无差异曲线的切点
  • B. 两条无差异曲线的斜率相等
  • C. 两种商品的边际替代率相等
  • D. 两种商品的边际技术替代率相等
标记 纠错
112.

下列各项中,属于影响供给变动的因素有(  )。

  • A. 生产成本
  • B. 消费者的个人收入
  • C. 生产者的预期
  • D. 产品价格
  • E. 消费者偏好
标记 纠错
113.

下列属于经济人假设的观点有(  )。

  • A. 人能够自我管理
  • B. 人是愿意承担责任的
  • C. 人是由经济诱因引发工作动机的
  • D. 人总是企图用最小投入取得满意的报酬
  • E. 人总是被动地在组织的控制下从事工作
标记 纠错
114.

组织变革的内部动因包括(  )。

  • A. 战略的调整
  • B. 环境资源的变化
  • C. 员工受教育程度的提高
  • D. 组织规模和范围扩大
  • E. 设备引进与技术的变化
标记 纠错
115.

垂直型组织结构的优点有(  )。

  • A. 可以严密监督控制
  • B. 能体现上级意图
  • C. 管理费用低
  • D. 信息传递渠道长
  • E. 组织的稳定性高
标记 纠错
116.

前景理论是由卡尼曼通过修正最大主观期望效用理论发展而来的。由该理论引申出以下四个基本结论,其中正确的是(  )。

  • A. 大多数人在面临损失的时候是风险喜好的
  • B. 大多数人对得失的判断往往根据参考点决定
  • C. 大多数人对损失比对收益更加敏感
  • D. 大多数人在面临获利的时候是风险规避的
标记 纠错
117.

下列哪些不属于职能型组织结构最大的缺点?(  )

  • A. 横向协调差
  • B. 不利于培养上层领导
  • C. 多头领导
  • D. 沟通困难
标记 纠错
118.

下列可以通过固定资产清理科目核算的有(  )。

  • A. 大修理的固定资产
  • B. 改扩建的固定资产
  • C. 出售的固定资产
  • D. 报废的固定资产
标记 纠错
119.

下列各项中,仅引起资产项目一增一减的经济业务有(  )。

  • A. 从银行借款10万元
  • B. 将现金500元存入银行
  • C. 以现金10万元支付职工工资
  • D. 以银行存款2000元免税购入固定资产
标记 纠错
120.

企业的生产经营活动通常包括供应、生产和销售三个阶段,下列各项中,属于供应过程的有(  )。

  • A. 建造厂房
  • B. 购买设备
  • C. 购买原材料
  • D. 购买生产线
标记 纠错
121.

盈利能力指标有(  )。

  • A. 每股收益率
  • B. 主营业务利润率
  • C. 资产负债率
  • D. 净资产收益率
标记 纠错
122.

下列各项中,应计入“坏账准备”科目贷方的项目有(  )。

  • A. 经批准转销的坏账
  • B. 年末按应收账款余额的一定比例计的坏账准备
  • C. 确实无法支付的应付账款
  • D. 收回过去已经确认并转销的坏账
标记 纠错
123.

下列通过其他应收款核算的是(  )。

  • A. 应收的各种赔款
  • B. 应收的各种罚款
  • C. 存出保证金
  • D. 存入保证金
标记 纠错
124.

对于应收账款,下列说法正确的是(  )。

  • A. 取坏账准备时,借记“资产减值损失”账户,贷记“坏账准备”账户
  • B. 发生坏账损失时,借记“坏账准备”账户,贷记“应收账款”账户
  • C. 已确认并转销的坏账又收回时,借记“银行存款”账户,贷记“坏账准备”账户
  • D. 已确认并转销的坏账又收回时,借记“应收账款”账户,贷记“坏账准备”账户;同时借记“银行存款”账户,贷记“应收账款”账户
标记 纠错
125.

下列关于复式记账法的表述中,正确的有(  )。

  • A. 复式记账法是指发生的每一笔经济业务,都要在两个或两个以上相互联系的账户同时登记的一种记账方法
  • B. 复式记账法是指对发生的每一笔经济业务都要以相等的金额进行登记的一种记账方法
  • C. 复式记账法是最基本、最主要的会计方法之一,被作为一种科学的记账方法,为世界各国所广泛采用
  • D. 复式记账法是指对发生的每一笔经济业务不同时登记的一种记账方法
标记 纠错
126.

财务报表按编报期间的不同,分为(  )。

  • A. 年度财务报表
  • B. 季度财务报表
  • C. 月度财务报表
  • D. 中期财务报表
标记 纠错
127.

下列各项中,(  )属于不定期并且全面财产清查。

  • A. 单位合并、撤销以及改变隶属关系
  • B. 年终结算之前
  • C. 企业股份制改制前
  • D. 单位主要领导调离前
标记 纠错

答题卡(剩余 道题)

单选题
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多选题
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