2012年广发银行招聘考试笔试试卷完整真题及答案解析B卷

2012 年广发银行招聘考试笔试试卷完整真题及答案解析 B 卷 第一部分 性格倾向测试 略 第二部分 英语能力测试 壱、 语法选择 25 个 1. If the lessor makes an equity investment equal to 20% of the equipment's original cost, and borrows the remaining 80% from a long-term creditor, and writes a noncancelable lease for the equipment, such lease is called a ___________. A. operating lease B. leveraged lease C. direct-financing lease D. sales-type lease 2. The interest rate for borrowing funds from inter-bank market is close to, but always slightly ____________ the rate that is available from the central bank. A. lower than B. higher than C. as high as D. not as high as 3. ___________ is a financial market in which securities that have been previously issued can be resold. A. A primary market B. A secondary market C. A issuing market D. The capital market 4. Of the challenging issues in Internet banking, which people care most, is _________. A. the provision of a secure platform for banking transactions B. whether management has the creativity and vision to harness the technology C. how to deliver high-quality products for the customers' convenience D. whether management has the ability to satisfy customers' continually changing financial needs 5. From a Chinese Bank's point of view, the currency account which it maintains abroad is known as _______, while a RMB account operated in China for a foreign bank is termed ________. A. a vostro account; a nostro account B. a mirror account; a nostro account C. a nostro account; a vostro account D. a vostro account; a mirror account 6. If __________, such a situation is called break-even. A. contribution margin= fixed costs B. contribution margin=total costs C. profit=expense D. sales revenue=variable cost 7. Foreign-funded enterprises may retain their export earnings if those earnings _______. A. get after SAFE approves B. will be remitted abroad C. will be invested in local area D. do not exceed the limit set by the SAFE 8. BOT is an abbreviated form of _________. A. build-or-technology B. build-operate-transfer C. build-operate-technology D. benefit-operate-transfer 9. _________ is the foundation of private accounting, which analyzes a business's costs to help managers control expenses. A. Budgeting B. Management information system C. Internet auditing D. Cost accounting 10. Underwriting simply means that the investment banker promises to ________ the securities. A. buyB. sellC. designD. Issue 11. of countries belonging to GATT approved the agreement yesterday in Geneva. A) Represents B) Representations C) Representatives D) Representing 12. Officials of the Sydney head of office will hold a conference to talk about goals for the next ten years. A) them B) their C) theirs D) they 13. As a customer service representative, Mrs. Lee tried to solve complaints from customers before asking for ______ supervisor's advice. (A) she B) her C) hers D) herself 14 Mr. Alfred and I extend thanks to those that have helped this project in the past. (A) us (B) ours (C) our (D) ourselves 15. Pioneer Corp. is considering--------- the release of the new equipment scheduled for later this month. (A)postponing (B) postpone (C) to postpone (D) postponement 16. The company's business plan includes ---------- revenue from magazine and event promotions designed to help recruiters find qualified applicants. (A) draw (B) drawing (C) to draw (D) drawer 17. This guideline is intended to -------- information about our databases and to provide a clear definition of how these database get updated and who has responsibilities (A) clarification (B) classified (C) cleared (D) clarify 18. As of July 7, basic monthly telephone service will increase by ＄1.50 due to the new federal telecommunication tax, -------- state-to-state long-distance rates will decrease an average of 10 percent. (A) otherwise (B) therefore (C) however (D) in addition to 19. He makes ＄20 an hour, has more work than he can handle. (A) and (B) than (C) so (D) but 20. Their products are known not only for their low price, __________ for their high quality. (A) but (B) but also (C) and also (D) as well as 21. Our order of high-speed computers is scheduled to arrive __________ today or tomorrow. (A) or (B) on (C) both (D) either 22. _________ Jane and Mary like different things, they are great friends. (A) Since (B) Despite (C) For (D) Although 23. This rural town has __________ small population that the mail carrier knows where everyone lives. (A) too (B) a so (C) very (D) such a 24. _______ the president is going to say in his speech tonight will affect all of us. (A) What (B) That (C) So (D) While 25. It matters little who finds the truth ------ the truth is found. (A) because (B) so that (C) so long as (D) as 答案：B B BA C A D B C A ,CBBCA BDCAB DDDAA 弐、 完形填空 10 个 Passage One Another way of distinguishing markets is on the basis of the _____1_______of the securities in each market. The __2______ is a financial market in which only short-term debt instruments are traded. The ___3_____ is the market in which longer-term debt and equity instruments are traded. The securities in the former are usually more widely traded than those in the latter and so tend to be ____4______. In addition, short-term securities have _____5______fluctuations in prices than long-term securities, making them safer investments. 1 A. volume B. maturity C. issuing procedure D. kind 2. A. money market B. capital market C. primary market D. secondary market 3. A. money market B. capital market C. primary market D. secondary market 4.A. more solvent B. more risk C. more liquid D. safer 5 A. volatile B. violent C. wider D. smaller Passage Two In documentary credit operations, all parties concerned deal in ___6____ and not in ____7____. The banks check exclusively on the basis of documents ___8____to them to see whether the terms of the credit have been fulfilled. They are ____9_____to verify whether the goods supplied actually agree with those specified in the credit, ____10____differences, say, between the goods invoiced and those actually delivered, nor answerable to the buyers' complaints about these differences. It is up to the buyers and sellers to settle questionables of this nature between themselves. 6. A. goods B. credits C. documents D. contracts 7. A. goods B. credits C. documents D. contracts 8. A. delivered B. presented C. deliver D. release 9. A. responsible B. not responsible C. bound D. willing 10. A. nor liable forB. or liable for C. nor liable to D. or liable to 答案：B , A , B , C , D , C , A , B , B , A , 三、阅读理解 5 个 Questions 1 to 5 are based on the following passage: Material culture refers to the touchable, material “things”—physical objects that can be seen, held, felt, used— that a culture produces. Examining a culture’s tools and technology can tell us about the group’s history and way of life. Similarly, research into the material culture of music can help us to understand the music-culture. The most vivid body of “things” in it, of course, are musical instruments. We cannot hear for ourselves the actual sound of any musical performance before the 1870s when the phonograph was invented, so we rely on instruments for important information about music-cultures it the remote past and their development. Here we have two kinds of evidence: instruments well preserved and instruments pictures in art. Through the study of instruments, as well preserved Paintings, written documents, and so on, we can explore the movement of music from the Neat East to China over a thousand years ago, or we can outline the spread of Near eastern influence to Europe that results in the development of most of the instruments on the symphony orchestra. Sheet music or printed music, too is material culture. Scholars once defined folk music-cultures as those in with people learn and sing music by ear rather than from print, but research show mutual influence among oral and written sources during the past few centuries in Europe, Britain, and America, printed versions limit variety because they tend to standardize any song, yet they stimulate people to create new and different songs. Besides, the ability to read music notation has a far-reaching effect on musicians and, when it becomes widespread, on the music-culture as a whole. One more important part of music’s material culture should be singled out the influence of the electronic mediaradio, record player, tape recorder, television, and videocassette, with the future promising talking and singing computers and other developments. This all part of the “information revolution,” a twentieth century phenomenon as important as the industrial revolution was in the nineteenth. These electronic media are not just limited to modem nations; they have affected music-cultures all over the globe. 1. Research into the material culture of a nation’s of great importance ________. A) it helps produce new cultural tools and technology B) it can reflect the development of the nation C) it helps understand the nation’s Fast and present D) it can demonstrate the nation’s civilization 2. It can be learned from this passage that ________. A) the existence of the symphony was attributed to the spread of Near Eastern and Chinese music B) Near Eastern music had influence on the of the instruments in the symphony orchestra C) the development of the symphony shows the mutual influence of Eastern and Western music D) the musical instruments in the symphony basis of Near Eastern music 3. According to the author, music notation is important because ________. A) it has a great effect on the music-culture as more and more people are able to read it B) it tends to standard folk sings when it is used by folk musicians C) it is the printed version of standardized folk music D) it encourages people to popularize printed versions of songs 4. It can be concluded from the passage that the introduction of electronic media into the world of music ________. A) has brought about an information revolution B) has speeded up the arrival of a new generation of computers C) has given rise to new forms of music culture D) has given to the transformation of traditional musical instruments 5. Which of the following best summarized the main idea of the passage? A) Musical instruments developed through the years will sooner later be replaced by computers. B) Music cannot be passed on to future generation unless it is recorded. C) Folk songs cannot spread far unless they are printed on music sheets. D) The development of music culture is highly dependent or its material aspect. 答案：1. C 2. B 3. A 4. C 5. D 第三部分 综合能力测试 壱、 言语理解 25 个 1.过度自信、不切实际、服务政治……这些针对经济学家的批评或许只是稍微夸大了一些。他们 奉行一种无论是原始数据还是自身技能都无法达到的准确。纳西姆?尼古拉斯?塔利布说:“我们必 须避免让社会建立在愚蠢经济学家的预测上。”定量金融学专家保罗?威莫特的说法是:“经济学家 们的模式糟透了。他们完全忽视了人为因素有多么重要。”面对潮水般的批评声音，人们似乎应 该忽视整个学术界。但这并不可能。原因之一是，如何走出危机和避免重蹈覆辙都需要一代人 贡献他们的最大智慧。 本段文字主要表达的观点是( )。 A.要宽容理性地对待经济学家 B.经济学者们要知耻而后勇，为经济振兴贡献智慧 C.学术界需齐心协力，恢复经济 D.经济学家的价值不容忽视 2.社区商业是城市商业的基础，是满足居民综合消费的重要载体。加快发展社区商业，是提升城 市商业现代化和综合竞争力的迫切要求。因此，发展和完善社区商业，对现有社区商业网点进 行系统性、科学性和高效性的整合，构建我国现代社区商业网络，是满足社区居民日常生活需 求，提高居民生活质量的重要举措。 这段话的主旨是( )。 A.构建我国现代社区商业网络，是满足社区居民日常生活需求的需要 B.加快发展我国社区商业，是提升城市商业现代化和综合竞争力的迫切要求 C.社区商业是满足居民综合消费的重要载体 D.社区商业是城市商业的基础 3.在女性高管为何屈指可数这一问题上，《华尔街日报》的卡罗尔?希莫威茨和蒂莫西?舍尔哈德 特用了“玻璃天花板”这个比喻，来描述女性在晋升到一定职位高度时必然会遭遇的一道障碍。如 今，这个比喻已经不合时宜了。一方面，女性出任首席高管、大学校长、州长甚至国家总统早 已有了先例，另一方面，女性在职业发展道路上遭遇到的不仅仅只有最后那道障碍。如今有了 一个更为恰当的比喻来形容女性在职业发展上所遇到的种种阻碍，那就是“迷宫”。 “迷宫”这个比喻意在表明( )。 A.女性在职业发展中会遇到各种阻碍 B.“玻璃天花板”的比喻已经不合时宜 C.女性晋升到一定职位高度时必然遭遇障碍 D.女性职业发展中阻碍重重，但仍有可能晋升高管 4.一些人有这样一种思想误区，即只讲“实现自身价值”，不讲“提高自身价值”。人当然天生就有 价值，这价值应当重视，但还有待提高。提高不能靠包装与炒作，必须要真正提高质量，具体 表现无非就是德与才。这两方面的提高，只有通过克己修身。“玉不琢，不成器”，人不克己修身， 如何能成“大器”?所以孟子说:“天将降大任于斯人也，必先苦其心志，劳其筋骨，饿其体肤，空乏 其身，行拂乱其所为，所以动心忍性，曾益其所不能。”不经艰苦磨炼，如何能“曾益其所不能”? 这段文字意在( )。 A.澄清对待自身价值的思想误区 B.强调德才兼备是人才质量的核心 C.批评某些人一味自我包装炒作的行为 D.阐明克己修身对提高自身价值的重要意义 5.根据中国政府的“十一五”规划，到 2010 年，信息产业总收入将从 2005 年的人民币 4.4 万亿元 提高到 10 万亿元，其工业增加值占国内生产总值比重将由 7.2%提高到 10%以上。从网络普及率 看，尽管中国网民数量已超越美国，但互联网普及率仅为 25.5%，大大低于美国的 70%。中国若 追平 70%的互联网普及率，则还将增加 3 亿至 4 亿的互联网用户。 本段文字主要表明( )。 A.互联网企业已成为中国高科技产业的重要支柱 B.中国互联网的普及率有待提高 C.中国信息产业增长空间巨大 D.中国信息产业竞争优势明显 6.好的藏品首先得有个性，没有个性的藏品就算不是赝品，起码也是庸品。青春期的孩子，几乎