2013年6月银行从业考试个人理财真题及答案

enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout, crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegraduallyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqualifileading ed cadres ' awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to "two" lead by example, to lead by example we must change our mind, recognizing that "two" is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the "third revolution" the rise of rapid cha nges in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements for leading party cadres. "Two" is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communis t Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmly build the ideological foundation. Under the impa ct of multiple values, the "two" is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so tha t the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communis t Party, party rules, learning learning series important speech can stand crowds, Genera l Secretary position. Now, some grass-roots work in the "the old way didn't work, hard way cannot, the new approach would not" phenomenon, sometimes due to a mass of party members and cadres not understa nding, does not meet. In fact, the mass "convincing" and "identity"Behind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuas ion and sense of identity. "Two" is in fact guaranteed party cadres work, an important prerequis ite for convincing the masses. Bacon said it well: "practical men can handle individual matters, but looking at the whole operation globally, but only man can do to knowledge. "Giving up" two "effective, must firs t ra ise awareness of leading cadres of party members, as party members learn real respons ibility" to know "to" music "," good "changes, in para llel with the ground, do not forget to als o answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in "two learn a do" in the based post do contribution in all members in the carried out "learn Constitution Party rules, and learn series speech, do qua lified members " learning education, this is following party of mass line education practice activities and "three strict three real" topic education zhihou, deepening party education of and once importa nt practice, is promoted "three strict three rea l" topic education from "key minority" to all members expand, and from concentrated education to regular education extends of important initiatives. Vast numbers of party members and cadres in the course of two, should be 2013 年 6 月银行从业考试个人理财真题及答案 一、单项选择题（共 90 题，每题 0.5 分，共 45 分。每题的备选项中，只有一个符合题 意） 1、 2007 年以来，由于国内的消费物价指数屡创新高，中国人民银行从 2007 年 3 月 18 日开始连续 6 次加息，金融机构一年期存款基准利率由 2．52%升至 4.14%，预期未来利 率水平仍将上升，此时的理财策略调整建议可以采取( )。 A．增加股票配置 B．增加外汇配置 C．增加股票型基金配置 D．增加存款配置 2、影响金融市场长期走势的唯一因素是（ A．宏观经济因素 B．行业发展状况 C．企业经济效益 D．国际经济形势 ）。 3、张先生为了给女儿准备教育储蓄金，在未来的 10 年里，每年年底都申购 10 000 元的 债券型基金，年 收益率为 8%，则 10 年后张先生准备的这笔储蓄金为( )元。 A．14 486.56 B．67 105.4 C．144 865.6 D．156 454.9 4、就投资而言，投资项目的优劣可以用收益和风险来衡量，下列指标可以用来衡量项目 优劣的是( )。 A．方差 B．标准差 C．预期收益率 D．变异系数 5、 20 世纪 60 年代，（ A．哈里·马柯维茨 B．尤金·法玛 C．夏普、特雷诺和詹森 D．理查德·罗尔 ）提出了著名的有效市场假说理论。 6、在（ ）中，投资者寻求历史价格信息以外的信息，可能取得超额回报。 A．弱型有效市场 B．半弱型有效市场 C．半强型有效市场 D．强型有效市场 本节主要写课程所讲过的软件简介，或同一类软件之间的比较等。这些软件都是我们平时的生活学习中很少遇到却又不可缺少的，他与我的生活办公息相关、密不可分。通过对这些软件的学习，我们能够更方便的运用我们的电脑，使得网络化电子化更加迅速、便捷，接下来就让我们来一一看看和学习这些小软件、大作用吧。enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout,crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegradualyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqua based lified on their actual, striving to be "learning" and "done" markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can cons ciously. Constitution is the fundamenta l la w of the party, party rules are party mus t follow the Genera l rules. Studying and implementing the party Constitution Party rules and a series of importa nt speech, General Secretary, is a guide to pers isting and developing socialis m with Chinese characteristics, is a basic work of strengthening the party's construction, but also each and every Communis t Party Member's obligations and solemn respons ibility. These important content, for each party, must know would believe will do both. WeGeneral Secretary of the party Constitution, a series of remarks with, and hold, grasp the real "learning" tha t bas is, based on the Constitution speak to issue, in accordance with the series changed the problem. Second, disciplined in line, to become law-abiding model. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting strength and vita lity, purity and naturally much less advanced. By "two" education, party members and cadres to keep the "bottom line", not the more "red lines", conscious ly practice the "three Suns " and consciously act according to the Constitution, party rules, remains a politica l force, to perform party oath, a tree of its own image. Three is the loyal, dare to play and play to party members. Learning is the Foundation, is the key to development is the goal. "Two" main objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conv iction, keep in mind that members hip, learn, learn, learn go play a vanguard and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterpris ing spirit, and constantly improve our own capacity and level of service, according to pos itions and make contributions. Hearts change, lead more strict "began in the know, know as Luke Skywalker", "two" activities, be qualified party members both a starting point and ending point. Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, "two" this is State, leading by example, to lead by example to be qua lified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qua lified party member, mos t basic element is always advanced requirements themselves, using their power to pus h forwa rd the cause of the party, the people and the nation. Is to the leading cadres of party members, firs t of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout, crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegraduallyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqualifileading ed cadres ' awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to "two" lead by example, to lead by example we must change our mind, recognizing that "two" is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the "third revolution" the rise of rapid cha nges in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements for leading party cadres. "Two" is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communis t Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmly build the ideological foundation. Under the impa ct of multiple values, the "two" is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so tha t the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communis t Party, party rules, learning learning series important speech can stand crowds, Genera l Secretary position. Now, some grass-roots work in the "the old way didn't work, hard way cannot, the new approach would not" phenomenon, sometimes due to a mass of party members and cadres not understa nding, does not meet. In fact, the mass "convincing" and "identity"Behind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuas ion and sense of identity. "Two" is in fact guaranteed party cadres work, an important prerequis ite for convincing the masses. Bacon said it well: "practical men can handle individual matters, but looking at the whole operation globally, but only man can do to knowledge. "Giving up" two "effective, must firs t ra ise awareness of leading cadres of party members, as party members learn real respons ibility" to know "to" music "," good "changes, in para llel with the ground, do not forget to als o answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in "two learn a do" in the based post do contribution in all members in the carried out "learn Constitution Party rules, and learn series speech, do qua lified members " learning education, this is following party of mass line education practice activities and "three strict three real" topic education zhihou, deepening party education of and once importa nt practice, is promoted "three strict three rea l" topic education from "key minority" to all members expand, and from concentrated education to regular education extends of important initiatives. Vast numbers of party members and cadres in the course of two, should be 7、一般选择开放式指数基金、大型蓝筹股股票等的投资者属于（ A．稳健型 B．成长型 C．进取型 D．平衡型 ）。 8、直接标价法下：1 美元一 7 元人民币、1 英镑一 2 美元，则直接标价法下人民币元与英 镑的汇率为（ ）。 A．14 B．0.O724 C．3.5 D．0.2857 9、下列金融交易中不属于资本市场交易的项目是（ ）。 A．某企业从银行获得了 3 年期贷款 B．某人在银行购买了 10 000 元的短期国库券 C．普通股价格上涨，为此某人买人 100 股这个公司的股票 D．某人获得了一笔年终奖金，买入 15 000 元证券投资基金 10、股票价格指数期货是为了适应人们管理股票的投资风险，尤其是管理（ 而产生的。 A．系统性风险 B．非系统性风险 C．信用风险 D．财务风险 11、 消费者物价指数上涨了，则债券投资者承担的风险是（ A．价格风险 B．再投资风险 C．通货膨胀风险 D．违约风险 ）的需要 ）。 12、 下列关于预算与实际的差异分析的应注意的要点，错误的是（ A．总额差异的重要性小于细目差异 B．要定出追踪的差异金额和比率门槛 C．依据预算的分类个别分析 D．如果实在无法降低支出，就要设法增加收入 13、 下列各项中，不属于在制订保险规划前应考虑的因素的是（ A．适应性 B．客户经济支付能力 C．客户风险承受能力 D．选择性 ）。 ）。 本节主要写课程所讲过的软件简介，或同一类软件之间的比较等。这些软件都是我们平时的生活学习中很少遇到却又不可缺少的，他与我的生活办公息相关、密不可分。通过对这些软件的学习，我们能够更方便的运用我们的电脑，使得网络化电子化更加迅速、便捷，接下来就让我们来一一看看和学习这些小软件、大作用吧。 partymemberinthisaction,comparedwithordinarypartymembers,leadingcadresofpartymembershasaheavierassumegreaterresponsibilty. Partymembersandleadingcadresshouldwakeuptothisreality,strictlyimplementthespecificationforpartymembersandleadingcadres'honestyandself-discipline,cleanfamily,consciouslytaketheleadinsettingupagoodfamilytradition,asoldcomradesoftheproletariat,withgoodcleantraditionofinspirededucationfriends,becomeamodelforselfruleofstatesman,madeordinarypartymembersandordinarypeopleeverywherecriticismsfolowedclosely.Partymembersarethematrixandcellsbequalifiedpartymembers,istoensurethateachpartyahealthyfunctioningoforgansandsystems.Intheprocess,bypartycadrestoldlevelsisaneffectiveway,butlevelaLevel,levelwiththelevel.Onlypartymembersandleadingcadresthemselvesinmyheart,heart,ring,accountabiltywithnewskils,behavior,fosterfamilytraditiontomaketheexampletreecorection,benchmark,standstraighter,trulyleadhigher."Two"studycouldbecarriedoutfromthreeaspectsofeducation"two"studyandeducationshowsthatourparbased ty'sgrip on their actual, striving to be "learning" and "done" markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can conscious ly. Constitution is the fundamental law of the party, party rules are party must follow the General rules. Studying and implementing the party Constitution Party rules and a series of important speech, Genera l Secretary, is a guide to persisting and developing socialism with Chinese characteristics, is a basic work of strengthening the party's cons truction, but also each and every Communis t Party Member's obligations and solemn res pons ibility. These important content, for each party, mus t know would believe will do both. WeGenera l Secretary of the party Constitution, a series of remarks with, and hold, grasp the rea l "learning " that basis, based on the Constitution speak to issue, in accorda nce with the series changed the problem. Second, disciplined in line, to become law-abiding model. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting streng th and vita lity, purity and naturally much less advanced. By "two" education, party members and cadres to keep the "bottom line", not the more "red lines", conscious ly practice the "three Suns " and consciously act according to the Constitution, party rules, remains a politica l force, to perform party oath, a tree of its own image. Three is the loyal, da re to play and play to party members. Learning is the Foundation, is the key to development is the goal. "Two" main objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conviction, keep in mind tha t membership, learn, learn, learn go play a vangua rd and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterprising spirit, and cons tantly improve our own capacity and level of service, according to positions and make contributions. Hearts cha nge, lead more strict "began in the know, know as Luke Skywalker", "two" activities, be qualified party members both a starting point and ending point. Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, "two" this is State, leading by example, to lead by example to be qualified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qualified party member, most basic element is always advanced requirements themselves, using their power to push forward the cause of the party, the people and the nation. Is to the leading cadres of party members, first of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout, crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegraduallyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqualifileading ed cadres ' awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to "two" lead by example, to lead by example we must change our mind, recognizing that "two" is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the "third revolution" the rise of rapid cha nges in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements for leading party cadres. "Two" is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communis t Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmly build the ideological foundation. Under the impa ct of multiple values, the "two" is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so tha t the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communis t Party, party rules, learning learning series important speech can stand crowds, Genera l Secretary position. Now, some grass-roots work in the "the old way didn't work, hard way cannot, the new approach would not" phenomenon, sometimes due to a mass of party members and cadres not understa nding, does not meet. In fact, the mass "convincing" and "identity"Behind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuas ion and sense of identity. "Two" is in fact guaranteed party cadres work, an important prerequis ite for convincing the masses. Bacon said it well: "practical men can handle individual matters, but looking at the whole operation globally, but only man can do to knowledge. "Giving up" two "effective, must firs t ra ise awareness of leading cadres of party members, as party members learn real respons ibility" to know "to" music "," good "changes, in para llel with the ground, do not forget to als o answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in "two learn a do" in the based post do contribution in all members in the carried out "learn Constitution Party rules, and learn series speech, do qua lified members " learning education, this is following party of mass line education practice activities and "three strict three real" topic education zhihou, deepening party education of and once importa nt practice, is promoted "three strict three rea l" topic education from "key minority" to all members expand, and from concentrated education to regular education extends of important initiatives. Vast numbers of party members and cadres in the course of two, should be 14、 下列各类别的银行理财产品中，投资者面临风险最小的是（ A．货币型理财产品 B．贷款类银行信托理财产品 C．股票挂钩类结构性理财产品 D．QDI1 基金挂钩类理财产品 ）。 15、 基金份额总额不固定，而且可以在基金合同约定的时间和场所申购或著赎回的基金 是（ ）。 A．契约型基金 B．公司型基金 C．封闭式基金 D．开放式基金 16、 关于基金投资的风险，以下说法错误的是（ A．基金的风险是指购买基金遭受损失的可能性 B．基金的风险取决于基金资产的运作 C．基金的非系统性风险为零 D．基金的资产运作无法消灭风险 17、 引发金融产品系统性风险的因素不包括（ A．货币与财政政策 B．操作风险 C．战争 D．国际金融市场发生“金融危机” ）。 ）。 18、以下有关黄金价格的说法中，错误的是（ ）。 A．黄金价格与其他竞争性投资收益率成反向关系 B．国际局势紧张时，黄金价格会上升 C．一般而言，世界经济状况趋好，黄金首饰需求增加，将促使金价上升 D．美元的坚挺往往会推动金价的上涨 19、 通常，股价的变化要（ A．先于 B．同时于 C．滞后于 D．无法确定 ）发行公司盈利的变化。 20、 稳健型投资者为了获得稳定的现金流，应当投资于（ ）基金。 A．创业基金 B．对冲基金 C．收入型基金 D．成长型基金 21、 属于反映个人／家庭在某一时点上的财务状况的报表是（ ）。 本节主要写课程所讲过的软件简介，或同一类软件之间的比较等。这些软件都是我们平时的生活学习中很少遇到却又不可缺少的，他与我的生活办公息相关、密不可分。通过对这些软件的学习，我们能够更方便的运用我们的电脑，使得网络化电子化更加迅速、便捷，接下来就让我们来一一看看和学习这些小软件、大作用吧。enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout,crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegradualyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqua based lified on their actual, striving to be "learning" and "done" markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can cons ciously. Constitution is the fundamenta l la w of the party, party rules are party mus t follow the Genera l rules. Studying and implementing the party Constitution Party rules and a series of importa nt speech, General Secretary, is a guide to pers isting and developing socialis m with Chinese characteristics, is a basic work of strengthening the party's construction, but also each and every Communis t Party Member's obligations and solemn respons ibility. These important content, for each party, must know would believe will do both. WeGeneral Secretary of the party Constitution, a series of remarks with, and hold, grasp the real "learning" tha t bas is, based on the Constitution speak to issue, in accordance with the series changed the problem. Second, disciplined in line, to become law-abiding model. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting strength and vita lity, purity and naturally much less advanced. By "two" education, party members and cadres to keep the "bottom line", not the more "red lines", conscious ly practice the "three Suns " and consciously act according to the Constitution, party rules, remains a politica l force, to perform party oath, a tree of its own image. Three is the loyal, dare to play and play to party members. Learning is the Foundation, is the key to development is the goal. "Two" main objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conv iction, keep in mind that members hip, learn, learn, learn go play a vanguard and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterpris ing spirit, and constantly improve our own capacity and level of service, according to pos itions and make contributions. Hearts change, lead more strict "began in the know, know as Luke Skywalker", "two" activities, be qualified party members both a starting point and ending point. Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, "two" this is State, leading by example, to lead by example to be qua lified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qua lified party member, mos t basic element is always advanced requirements themselves, using their power to pus h forwa rd the cause of the party, the people and the nation. Is to the leading cadres of party members, firs t of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout, crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegraduallyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqualifileading ed cadres ' awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to "two" lead by example, to lead by example we must change our mind, recognizing that "two" is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the "third revolution" the rise of rapid cha nges in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements for leading party cadres. "Two" is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communis t Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmly build the ideological foundation. Under the impa ct of multiple values, the "two" is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so tha t the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communis t Party, party rules, learning learning series important speech can stand crowds, Genera l Secretary position. Now, some grass-roots work in the "the old way didn't work, hard way cannot, the new approach would not" phenomenon, sometimes due to a mass of party members and cadres not understa nding, does not meet. In fact, the mass "convincing" and "identity"Behind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuas ion and sense of identity. "Two" is in fact guaranteed party cadres work, an important prerequis ite for convincing the masses. Bacon said it well: "practical men can handle individual matters, but looking at the whole operation globally, but only man can do to knowledge. "Giving up" two "effective, must firs t ra ise awareness of leading cadres of party members, as party members learn real respons ibility" to know "to" music "," good "changes, in para llel with the ground, do not forget to als o answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in "two learn a do" in the based post do contribution in all members in the carried out "learn Constitution Party rules, and learn series speech, do qua lified members " learning education, this is following party of mass line education practice activities and "three strict three real" topic education zhihou, deepening party education of and once importa nt practice, is promoted "three strict three rea l" topic education from "key minority" to all members expand, and from concentrated education to regular education extends of important initiatives. Vast numbers of party members and cadres in the course of two, should be A．资产负债表 B．损益表 C．现金流量表 D．利润表 22、 以下公式中错误的是（ ）。 A．资产—负债=净资产 B．以市价计的期初期末净资产差异=储蓄额+未实现资本利得或损失+资产评估增值一资 产评估减值 C．普通年金终值一每期固定金额×[(1+利率)期限一 1]／利率 D．复利现值=终值×(1+利率)期限 23、 下列各项中，不属于退休规划的最大影响因素的是（ A．通货膨胀率 B．客户寿命 C．工资薪金收入成长率 D．投资报酬率 ）。 24、 根据客户的年龄和风险承受能力，将一部分资产投资于风险型资产，另一部分资产 以银行存款、国债等安全型资产持有，这在投资规划中称为（ ）。 A．资产配置 B．证券选择 C．基本面分析 D．投资策略 25、 某投资组合含有 60%股票、30%债券、10%货币，最适合家庭生命周期的（ ）。 A．家庭形成期 B．家庭成长期 C．家庭成熟期 D．家庭衰老期 26、 个人理财业务是经（ A．中国人民银行 B．中国银监会 C．中国银行业协会 D．中国证监会 ）批准的一项银行中间业务。 27、 证券内幕消息的知情人包括持有公司（ ）以上股份的自然人、法人、其他组织。 A．5% B．10% C．15% D．20% 本节主要写课程所讲过的软件简介，或同一类软件之间的比较等。这些软件都是我们平时的生活学习中很少遇到却又不可缺少的，他与我的生活办公息相关、密不可分。通过对这些软件的学习，我们能够更方便的运用我们的电脑，使得网络化电子化更加迅速、便捷，接下来就让我们来一一看看和学习这些小软件、大作用吧。 partymemberinthisaction,comparedwithordinarypartymembers,leadingcadresofpartymembershasaheavierassumegreaterresponsibilty. Partymembersandleadingcadresshouldwakeuptothisreality,strictlyimplementthespecificationforpartymembersandleadingcadres'honestyandself-discipline,cleanfamily,consciouslytaketheleadinsettingupagoodfamilytradition,asoldcomradesoftheproletariat,withgoodcleantraditionofinspirededucationfriends,becomeamodelforselfruleofstatesman,madeordinarypartymembersandordinarypeopleeverywherecriticismsfolowedclosely.Partymembersarethematrixandcellsbequalifiedpartymembers,istoensurethateachpartyahealthyfunctioningoforgansandsystems.Intheprocess,bypartycadrestoldlevelsisaneffectiveway,butlevelaLevel,levelwiththelevel.Onlypartymembersandleadingcadresthemselvesinmyheart,heart,ring,accountabiltywithnewskils,behavior,fosterfamilytraditiontomaketheexampletreecorection,benchmark,standstraighter,trulyleadhigher."Two"studycouldbecarriedoutfromthreeaspectsofeducation"two"studyandeducationshowsthatourparbased ty'sgrip on their actual, striving to be "learning" and "done" markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can conscious ly. Constitution is the fundamental law of the party, party rules are party must follow the General rules. Studying and implementing the party Constitution Party rules and a series of important speech, Genera l Secretary, is a guide to persisting and developing socialism with Chinese characteristics, is a basic work of strengthening the party's cons truction, but also each and every Communis t Party Member's obligations and solemn res pons ibility. These important content, for each party, mus t know would believe will do both. WeGenera l Secretary of the party Constitution, a series of remarks with, and hold, grasp the rea l "learning " that basis, based on the Constitution speak to issue, in accorda nce with the series changed the problem. Second, disciplined in line, to become law-abiding model. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting streng th and vita lity, purity and naturally much less advanced. By "two" education, party members and cadres to keep the "bottom line", not the more "red lines", conscious ly practice the "three Suns " and consciously act according to the Constitution, party rules, remains a politica l force, to perform party oath, a tree of its own image. Three is the loyal, da re to play and play to party members. Learning is the Foundation, is the key to development is the goal. "Two" main objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conviction, keep in mind tha t membership, learn, learn, learn go play a vangua rd and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterprising spirit, and cons tantly improve our own capacity and level of service, according to positions and make contributions. Hearts cha nge, lead more strict "began in the know, know as Luke Skywalker", "two" activities, be qualified party members both a starting point and ending point. Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, "two" this is State, leading by example, to lead by example to be qualified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qualified party member, most basic element is always advanced requirements themselves, using their power to push forward the cause of the party, the people and the nation. Is to the leading cadres of party members, first of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout, crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegraduallyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqualifileading ed cadres ' awareness of right in place, study the party Constitution and party rules, series of speeches can make proper effect. Party cadres to "two" lead by example, to lead by example we must change our mind, recognizing that "two" is important. First, learn the Communist Party Constitution Party rules, learning learning series important speech by General Secretary can enhance theory. With the "third revolution" the rise of rapid cha nges in our life are feeling, the Communists should adhere to the theory of confidence will continue to learn from the voices of the times, the times, in turn, will have new requirements for leading party cadres. "Two" is the most basic meaning of members all mastering the core theory and the most advanced weapons theory, complement the spirit of calcium. Secondly, the Communis t Party Constitution Party rules, learning learning series important speech by General Secretary be able to firmly build the ideological foundation. Under the impa ct of multiple values, the "two" is to help cultivate independent judgment in numerous miscellaneous multiple concepts, so tha t the majority consensus of party members, the important magic weapon of the party with the resonance frequency. Finally, the Constitution of the Communis t Party, party rules, learning learning series important speech can stand crowds, Genera l Secretary position. Now, some grass-roots work in the "the old way didn't work, hard way cannot, the new approach would not" phenomenon, sometimes due to a mass of party members and cadres not understa nding, does not meet. In fact, the mass "convincing" and "identity"Behind are likely to be party members and leading cadres themselves ignoring beliefs held, resulting in lack of persuas ion and sense of identity. "Two" is in fact guaranteed party cadres work, an important prerequis ite for convincing the masses. Bacon said it well: "practical men can handle individual matters, but looking at the whole operation globally, but only man can do to knowledge. "Giving up" two "effective, must firs t ra ise awareness of leading cadres of party members, as party members learn real respons ibility" to know "to" music "," good "changes, in para llel with the ground, do not forget to als o answer the antenna, draw catches on meteorology, which sit between heaven and Earth which melds together the dreams of practicing Communist. Members cadres should in "two learn a do" in the based post do contribution in all members in the carried out "learn Constitution Party rules, and learn series speech, do qua lified members " learning education, this is following party of mass line education practice activities and "three strict three real" topic education zhihou, deepening party education of and once importa nt practice, is promoted "three strict three rea l" topic education from "key minority" to all members expand, and from concentrated education to regular education extends of important initiatives. Vast numbers of party members and cadres in the course of two, should be 28、 证券公司客户的交易结算资金应当存放在（ A．登记结算公司 B．商业银行 C．证券交易所 D．证券公司 ），以每个客户的名义单独管理。 29、 以下行为，不属于操纵证券市场罪的是（ ）。 A．单独或者通过合谋，集中资金优势或者利用信息优势联合或者连续买卖，操纵证券价 格或者证券交易量 B．与他人串通，以事先约定的时间、价格和方式相互进行证券交易，影响证券价格或者 证券交易量 C．在自己实际控制的账户间进行证券交易，影响证券价格或者证券交易量 D．挪用客户所委托买卖的证券或者客户账户上的资金 30、 守法合规是指银行业从业人员应当遵守（ ）。 A．法律法规 B．行业自律规范 C．所在机构的规章制度 D．以上选项都应遵守 31、 银行业从业人员应对所在机构负有诚实信用义务，切实履行岗位职责，维护所在机构 商业信誉是( )准则的内容。 A．诚实信用 B．守法合规 C．勤勉尽职 D．岗位职责 32、 银行业从业人员应当不断提高业务知识水平，不属于“熟知业务”规定的内容是（ ）。 A．熟知向客户推荐的产品特性 B．熟知产品设计过程 C．熟知产品的收益和风险 D．熟知业务处理流程 33、 高通货膨胀下的 GDP 增长将导致金融市场行情（ A．上升 B．下跌 C．不变 D．都有可能 34、 GDP 是指一个国家(或地区)所有（ A．本国公民 B．国内居民 C．常住居民 ）。 ）在一定时期内生产活动的最终成果。 本节主要写课程所讲过的软件简介，或同一类软件之间的比较等。这些软件都是我们平时的生活学习中很少遇到却又不可缺少的，他与我的生活办公息相关、密不可分。通过对这些软件的学习，我们能够更方便的运用我们的电脑，使得网络化电子化更加迅速、便捷，接下来就让我们来一一看看和学习这些小软件、大作用吧。enhancedsoundthroughoutthewholeprocess,inordertoGetridofcorruption,sothatleadingcadresofpartymembersusuallyseeit,themomentstandsout,crisisexcludedit,andletthemassesfeeltheleaderinexcellenceinshowingduediligence.Eighthoursoutsidethering,andbehaviour.Iftheworkembodiesthemoralityofleadingcadresofpartymembers,thateight-hoursocial,life,recreationreflectstheprivatemoralityoftheleadingcadresofpartymembers.Aqualifiedpartymember,thecivicandpersonalvirtuesthrougheachother,complementeachother.Withthegradualyincreasinggrass-rootspressure,infactcannotexistindependentlyfromtheeight-hourperiod,didagoodjobis"beforetheothers,inadditiontotheeight-hour".Thosestatementsinpublicpublicandprivatestatementsofprivateorotherpublicandprivatevirtueoppositewords,infact,describesthesepartycadresbutdecoratedwithaveilofdeceptive,Piercetheveilbuteachhavetheirown"little99". Partycadresonlyeighthourstherering,regulatetheirownbehavior,trulycautious,waryoftheearliermicro,carefully,tobuildagoodpublicimage,givingtrusttopeople,betterplaysanexemplaryrole.Circleoffriendshasaresponsibilty,nurturingfamily.ThereisacrimeincriminallawofChinacalled"influenceofbribes",leadingcadresfortheregulationofpowerinfluenceofleadingcadresofrelativesandfriends,receivingbenefitsbehavior.Intheeyesofthepeople,partycadresisnotonlyanindividual'srelativesandfriends,whichmoreorlesbroughtthechildrenofcadres,identityringstofriendsandrelatives,friendsandfamilydisciplinetoalargeextentcanbeseenasleadingpartycadresinthesunshade.Sodoingqua based lified on their actual, striving to be "learning" and "done" markers. Strengthening theoretical study, belief and faith. Theory is an action guide, only theoretical knowledge in place, to unity, action can cons ciously. Constitution is the fundamenta l la w of the party, party rules are party mus t follow the Genera l rules. Studying and implementing the party Constitution Party rules and a series of importa nt speech, General Secretary, is a guide to pers isting and developing socialis m with Chinese characteristics, is a basic work of strengthening the party's construction, but also each and every Communis t Party Member's obligations and solemn respons ibility. These important content, for each party, must know would believe will do both. WeGeneral Secretary of the party Constitution, a series of remarks with, and hold, grasp the real "learning" tha t bas is, based on the Constitution speak to issue, in accordance with the series changed the problem. Second, disciplined in line, to become law-abiding model. Is not no rules. If there is no iron discipline, party members and cadres will become a mess, it will lose its fighting strength and vita lity, purity and naturally much less advanced. By "two" education, party members and cadres to keep the "bottom line", not the more "red lines", conscious ly practice the "three Suns " and consciously act according to the Constitution, party rules, remains a politica l force, to perform party oath, a tree of its own image. Three is the loyal, dare to play and play to party members. Learning is the Foundation, is the key to development is the goal. "Two" main objective is to let the majority of the play to the exemplary role of party members and cadres, party Constitution, party rules to examine. To use new criteria to guide our behavior. Through education, the ideal and conv iction, keep in mind that members hip, learn, learn, learn go play a vanguard and exemplary role, the courage to play as, and always maintain the pioneer, pioneering and enterpris ing spirit, and constantly improve our own capacity and level of service, according to pos itions and make contributions. Hearts change, lead more strict "began in the know, know as Luke Skywalker", "two" activities, be qualified party members both a starting point and ending point. Party cadres only opinions, Foundation, Constitution Party rules, series to better address outside in shape, "two" this is State, leading by example, to lead by example to be qua lified party members in the process of doing the deep and solid, higher and more stringent. Jobs with new skills. To be a qua lified party member, mos t basic element is always advanced requirements themselves, using their power to pus h forwa rd the cause of the party, the people and the nation. Is to the leading cadres of party members, firs t of all is based on the job, do the people in the heart. There is not a slogan, but aims to better serve the people, targeted efforts to increase the capacity