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.pdf

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1、2012 年广发银行招聘考试笔试试卷完整真题及答案解析 B 卷第一部分第一部分性格倾向测试性格倾向测试略第二部分第二部分英语能力测试英语能力测试一、语法选择 25 个1. If the lessor makes an equity investment equal to 20% of the equipments original cost, and borrows the remaining80% from a long-term creditor, and writes a noncancelable lease for the equipment, such lease is calle

2、d a_.A. operating leaseB. leveraged leaseC. direct-financing leaseD. sales-type lease2. The interest rate for borrowing funds from inter-bank market is close to, but always slightly _ the ratethat is available from the central bank.A. lower thanB. higher thanC. as high asD. not as high as3. _ is a f

3、inancial market in which securities that have been previously issued can be resold.A. A primary marketB. A secondary marketC. A issuing marketD. The capital market4. Of the challenging issues in Internet banking, which people care most,is _.A. the provision of a secure platform for banking transacti

4、onsB. whether management has the creativity and vision to harness the technologyC. how to deliver high-quality products for the customers convenienceD. whether management has the ability to satisfy customers continually changing financial needs5. From a Chinese Banks point of view, the currency acco

5、unt which it maintains abroad is known as _, while aRMB account operated in China for a foreign bank is termed _.A. a vostro account; a nostro accountB. a mirror account; a nostro accountC. a nostro account; a vostro accountD. a vostro account; a mirror account6. If _, such a situation is called bre

6、ak-even.A. contribution margin= fixed costsB. contribution margin=total costsC. profit=expenseD. sales revenue=variable cost7. Foreign-funded enterprises may retain their export earnings if those earnings _.A. get after SAFE approvesB. will be remitted abroadC. will be invested in local areaD. do no

7、t exceed the limit set by the SAFE8. BOT is an abbreviated form of _.A. build-or-technologyB. build-operate-transferC. build-operate-technologyD. benefit-operate-transfer9. _ is the foundation of private accounting, which analyzes a businesss costs to help managers controlexpenses.A. BudgetingB. Man

8、agement information systemC. Internet auditingD. Cost accounting10. Underwriting simply means that the investment banker promises to _ the securities.A. buyB. sellC. designD. Issue11.of countries belonging toGATT approved the agreement yesterday inGeneva.A) RepresentsB) RepresentationsC) Representat

9、ivesD) Representing12. Officials of the Sydney head of office will hold a conference to talk aboutgoals for the next ten years.A) themB) theirC) theirsD) they13. As a customer service representative, Mrs. Lee tried to solve complaints from customersbefore asking for _ supervisors advice.(A) sheB) he

10、rC) hersD) herself14 Mr. Alfred and I extendthanks to those that have helped this project in the past.(A) us(B) ours(C) our(D) ourselves15. Pioneer Corp. is considering- the release of the new equipment scheduled for later this month.(A)postponing(B) postpone(C) to postpone(D) postponement16. The co

11、mpanys business plan includes -revenue from magazine and event promotions designed to helprecruiters find qualified applicants.(A) draw(B) drawing(C) to draw(D) drawer17. This guideline is intended to -information about our databases and to provide a clear definition of howthese database get updated

12、 andwho has responsibilities(A) clarification(B) classified(C) cleared(D) clarify18. As of July 7, basic monthly telephone service will increase by 1.50 due to the new federal telecommunicationtax, - state-to-state long-distance rates willdecrease an average of 10 percent.(A) otherwise(B) therefore(

13、C) however(D) in addition to19. He makes 20 an hour,has more work than he can handle.(A) and(B) than(C)so(D) but20. 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 as21. Our order of high-speed computers is scheduled to arriv

14、e _ today or tomorrow.(A) or(B) on(C) both(D) either22. _ Jane and Mary like different things, they are great friends.(A) Since(B) Despite(C) For(D) Although23. This rural town has _ small population that the mail carrier knows where everyone lives.(A) too(B) a so(C) very(D) such a24._ the president

15、 is going to say in his speech tonight will affect all of us.(A) What(B) That(C) So(D) While25. It matters little who finds the truth - the truth is found.(A) because(B) so that(C) so long as(D) as答案：答案：B B BA CA D B C A ,CBBCA BDCAB DDDAA二、完形填空 10 个Passage OneAnother way of distinguishing markets i

16、s 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 themarket in which longer-term debt and equity instruments are traded. The securities in the former are usuallymore widely traded than those in the

17、 latter and so tend to be _4_. In addition, short-term securitieshave _5_fluctuations in prices than long-term securities, making them safer investments.1 A. volumeB. maturityC. issuing procedureD. kind2. A. money marketB. capital marketC. primary marketD. secondary market3. A. money marketB. capita

18、l marketC. primary marketD. secondary market4.A. more solventB. more riskC. more liquidD. safer5A. volatileB. violentC. widerD. smallerPassage TwoIn documentary credit operations, all parties concerned deal in _6_ and not in _7_. The bankscheck exclusively on the basis of documents _8_to them to see

19、 whether the terms of the credit have beenfulfilled. They are _9_to verify whether the goods supplied actually agree with those specified in thecredit, _10_differences, say, between the goods invoiced and those actually delivered, nor answerable tothe buyers complaints about these differences. It is

20、 up to the buyers and sellers to settle questionables of thisnature between themselves.6.A. goodsB. creditsC. documentsD. contracts7.A. goodsB. creditsC. documentsD. contracts8.A. deliveredB. presentedC. deliverD. release9.A. responsible B. not responsible C. boundD. willing10.A. nor liable forB. or

21、 liable forC. nor liable toD. 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, usedthat a culture produces. Examining a culture

22、s tools and technology can tell us about the groups history and wayof life. Similarly, research into the material culture of music can help us to understand the music-culture. The mostvivid body of “things” in it, of course, are musical instruments. We cannot hear for ourselves the actual sound of a

23、nymusical performance before the 1870s when the phonograph was invented, so we rely on instruments for importantinformation 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

24、of instruments, as well preservedPaintings, written documents, and so on, we can explore the movement of music from the Neat East to China over athousand years ago, or we can outline the spread of Near eastern influence to Europe that results in the developmentof most of the instruments on the symph

25、ony orchestra.Sheet music or printed music, too is material culture. Scholars once defined folk music-cultures as those in withpeople learn and sing music by ear rather than from print, but research show mutual influence among oral andwritten sources during the past few centuries in Europe, Britain,

26、 and America, printed versions limit variety becausethey tend to standardize any song, yet they stimulate people to create new and different songs. Besides, the ability toread music notation has a far-reaching effect on musicians and, when it becomes widespread, on the music-culture asa whole.One mo

27、re important part of musics material culture should be singled out the influence of the electronicmedia-radio, record player, tape recorder, television, and videocassette, with the future promising talking and singingcomputers and other developments. This all part of the “information revolution,” a

28、twentieth century phenomenon asimportant as the industrial revolution was in the nineteenth. These electronic media are not just limited to modemnations; they have affected music-cultures all over the globe.1. Research into the material culture of a nations of great importance _.A) it helps produce

29、new cultural tools and technologyB) it can reflect the development of the nationC) it helps understand the nations Fast and presentD) it can demonstrate the nations civilization2. It can be learned from this passage that _.A) the existence of the symphony was attributed to the spread of Near Eastern

30、 and Chinese musicB) Near Eastern music had influence on the of the instruments in the symphony orchestraC) the development of the symphony shows the mutual influence of Eastern and Western musicD) the musical instruments in the symphony basis of Near Eastern music3. According to the author, music n

31、otation is important because _.A) it has a great effect on the music-culture as more and more people are able to read itB) it tends to standard folk sings when it is used by folk musiciansC) it is the printed version of standardized folk musicD) it encourages people to popularize printed versions of

32、 songs4. It can be concluded from the passage that the introduction of electronic media into the world of music_.A) has brought about an information revolutionB) has speeded up the arrival of a new generation of computersC) has given rise to new forms of music cultureD) has given to the transformati

33、on of traditional musical instruments5. 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 sprea

34、d far unless they are printed on music sheets.D) The development of music culture is highly dependent or its material aspect.答案：答案：1. C2. B 3. A 4. C 5. D第三部分第三部分综合能力测试综合能力测试一、一、言语理解言语理解 25 个个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

35、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

36、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

37、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

38、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

39、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，几乎没有一个认为自己是庸品的，可家长们很多时候却对自家的“藏品”缺乏信心。其实藏品的价值并不取决于你看得顺眼不顺眼，而在于它自身的存世量与工艺特质。要想让你家的“藏品”日后升值，就得发掘出他自身的特点与风格。以上文字想表达的观点是()。A.藏品的价值在于它自身的存世量与工艺特质B.家长应该按照孩子自身

40、的特点去培养孩子C.家长应该对自己的孩子充满信心D.每种事物都有其自身的特点，孩子也一样7.健康与安全理事会所收集到的数字似乎支持这样一个非常流行的观点，即:我们已受到压力流行病的袭击。1990 年的劳动力调查显示，有 182700 人占整个劳动力人口的 1%相信，他们正患有与工作有关的紧张、焦虑或抑郁。5 年后同样的调查显示，这一数字已上升至 28 万，增长了 30%，另外还有 25 万人自诉患有与压力有关的身体疾病。给这段文字加入一个最恰当的标题()。A.压力:现代流行病B.压力:健康的杀手C.警惕压力D.压力与疾病8.由于华尔街的声望和各类金融产品的资信大跌，“两房” 等金融机构所发行的

41、债券变得无人问津，上周房利美债券收益率比同期国债高出 1.8%(9 月份仅高出 O.7%)，投资者仍敬而远之。这种状况所造成的结果，便是证券市场资金流的呆滞，由此产生了一系列严重后果:成千上万的美国人突然发现，自己没办法搞到贷款了，不论买房、购车还是上学都变得困难重重，因为那些原本提供相关金融服务的机构，如今因债券滞销，变得囊空如洗。对本段文字主旨概括最准确的一项是()。A.金融危机给美国的金融市场带来重创B.美国债券滞销且后果严重C.华尔街声望以及金融产品资信下跌吓跑投资者D.证券市场资金呆滞，投资者敬而远之9.多少年来，我们这个社会在法律意识不断增强的同时，人们的正义感和同情心却渐渐被冷冰

42、冰的责任防范意识所淹没，法治的真实含义渐渐被扭曲。 “法律是无情的”这句在所有诉诸法庭的案件中被最为广泛地引用的“经典”语句让人们将“法”和“情”决然地分开了，让人们觉得“义愤” 、 “感动” 、 “同情”这样一些情感是不应该出现在涉法行为中的，尤其不该出现在司法、执法人员身上。通过这段文字作者最想表达的观点是()。A.对法的认识要回归本质B.司法、执法人员判断案情不能对受害、痛苦等现象无动于衷C.法律判决需要注人人性关怀D.法与情相辅相成，不可分割10.信息科学、生命科学、物质科学等的飞速发展为人类开拓了极其光明的前景。新能源和新材料近年来层出不穷。纳米材料、转基因作物和智能机器人的普遍使用

43、推动了新的产业革命。10 年来的经济繁荣即是最有说服力的例证。 如今癌症和艾滋病已得到有效控制， 载人火箭已在火星登陆，飞行汽车已经投人生产，太空旅游也成为一项产业。自由经济不但释放了人类巨大的积极性和创造性，而且通过它自身的内在力量调节了全球的供求关系和贫富关系。这段文字意在强调()。A.近年来人类在各个方面取得了重大的成就B.科学技术对推动人类社会进步的重大作用C.科学万能论D.自由经济对人类的巨大贡献11.只需轻点鼠标，我们就可把莎士比亚所有作品免费下载到电脑里，但有耐心在屏幕前把它仔细读完的人，100 个人里恐怕都挑不出一个。研究表明，显示屏与纸张在物理性质上的不同，直接决定了人们无法

44、从电脑上获得传统的阅读乐趣。在阅读纸质图书时，文字不会移动，可以让人平心静气，但在电脑前，鼠标点击和滚屏不可避免地会打断人的注意力，令人失去耐心，和对文字全面的把握。此外，手指在触摸纸张和显示屏时对大脑感知区域的刺激也完全不同，前者更有助于激发人的潜意识，帮助理解文字之美，而不仅止步于获得信息。这段文字旨在表达的是：A.电子书与传统阅读效果的区别B.电子阅读有别传统阅读方式的特点C.电子阅读不如传统阅读方式有趣D.传统阅读具有电子阅读无法比拟的优势12.当年韩愈被贬到潮州做刺史，虽然只有 8 个月的时间，却不怕费力，大力兴办州学，捐出所有的俸银，用作办学费用，并积极推广唐朝的普通话， “以正音

45、为潮人诲” 。8 个月后，韩愈就调离了潮州，几乎没有什么“政绩”可言，然而他给潮州留下了巨大的精神财富。到南宋时，潮州已是文化名城，有了“海滨邹鲁”的美誉。这段文字意在说明：A.语言规范化是一项长期的工作B.潮州成为历史文化名城的原因C.文化建设对城市有深刻的影响D.评价官员不应只看短期的政绩13.古希腊和古代中国相似的经验知识曾产生了相似的理论洞察力，比如亚里士多德和墨经对杠杆原理的认识。但是，古希腊的初始力学理论很快发展成理论知识的综合体，而中国墨家的力学传统在战国之后就中断了。不擅长观察、认识物体运动并形成系统的理论，这是中国古代科学传统中一个明显的“软肋” 。相比之下，中国人在解决实际

46、问题方面的建树更加突出。这段文字意在说明：A.中国古代科学发展的特点B.中国古代科学传统中断的原因C.古代中国对于力学最初的研究不逊于古希腊D.力学理论的不完备是中国古代科学研究的弱点14.基因疗法是一种全新的治疗方式。科学家发现，遗传密码对一切生物都是通用的，他们想到利用对人体无害的逆转录病毒充当载体，把正常基因输送到人体内。这个过程是先从患者身上取下一些细胞，然后把正常基因嫁接到病毒上，再让这些病毒去感染取出的人体细胞，让它们把正常基因插入细胞的染色体中，这样人体细胞就能够获得正常的基因，来取代原有的异常基因。把这些修复好的细胞培养、繁殖到一定数量后送回患者体内，这些细胞就会发挥“医生”的

47、功能治好疾病。对“基因疗法”理解正确的是：A.基因疗法无需服用药物，安全性高，副作用小B.基因疗法需要把正常基因嫁接到待修复细胞中的病毒上C.基因疗法需要以病毒为载体，这种病毒对人体无害D.基因疗法将在医学领域获得大规模的应用15.信用报告是对每个人以往的信用记录汇总， 是商业银行等机构记录个人信用信息在央行征信系统的反映。 信用报告增容不能在个人完全不知情的情况下， 由商业银行等机构与央行征信中心 “秘密交易” 、暗箱操作，正确的做法应该是，央行征信中心对个人和企业组织信用报告内容的任何增加，都应当提前向社会各界进行正式公告，明确告知信用主体哪些信用内容即将正式纳入征信系统成为信用报告内容，

48、从何时正式开始，相关不良信用将产生哪些不良后果，如何及时查询了解自己的信用状况以及如何提出异议寻求救济等等事项。这段文字意在说明：A.央行征信系统的运作应进一步规范、透明B.信用报告记载的公民信息应征得公民的认可C.信用报告增容应充分尊重公民的知情权D.信用信息具有重要价值，应珍惜个人信用16.在国家的发展道路上不存在没有问题的国家。如果仅仅因为问题没有煽动性，就不采取任何有针对性的防范措施，那么矛盾就会越积越多，问题的“能量储备”也会越来越大，一旦爆发就是灾难性的。这段文字意在强调( )。A.解决社会问题对国家发展的重要性B.国家发展是不断发现和解决问题的过程C.采取有效的防范措施以防止问题

49、的爆发D.加强对群众心理情绪的积极疏导和化解17.电脑的出现，在很大程度上改变了我们的生活。坐在电脑前打字、浏览，越来越多地替代了提笔写字、捧书阅读。但电脑在带来便捷的同时，也对传统文化造成了强大的冲击，即便是一些优秀的传统文化也离我们渐行渐远。书法是中华文化的瑰宝，是民族精神的体现，但在电脑面前，练习毛笔字的群体正在萎缩，充满魅力的书法作品也正逐渐淡出人们的视野。保护传统文化、保护书法艺术刻不容缓。下列选项中，最适合做本段文字标题的是( )。A.电脑时代保护书法艺术刻不容缓B.即便在电脑时代也应让书法传承下来C.电脑时代传统文化一定不能淡出D.电脑时代学习书法就是继承民族精神18.在一次商业

50、谈判中，甲方代表说： “根据以往贵公司履行合同的情况，有的产品不具备合同规定的要求，我方蒙受了损失，希望以后类似的情况不再发生。 ”乙方代表回应道： “履约时出现质量问题， 按规定可以退回或求偿， 贵公司当时既没退货， 也未提出求偿要求。 这究竟是怎么回事？”在这段文字中，乙方代表的回答实际上要表达的意思是( )。A.甲方企图要乙方赔偿上次合同的损失B.甲方说乙方有的产品不符合要求，但无证据C.甲方因为宽容，已经错失了追究乙方违约责任的时机D.甲方为了在这次谈判中增加谈判的筹码，故意指责乙方以往有违约行为19.商场网站的凄凉和商场管理者的经营理念有很大的关系，他们对传统的经营方式依赖性太大，认