1、银监监管专业分类模拟题 4 及答案解析(总分：100.00，做题时间：90 分钟)一、英语阅读理解题(总题数：5，分数：100.00)Nowadays, we hear a lot about the growing threat of globalization, accompanied by those warnings that the rich pattern of local life is being undermined, and many dialects and traditions are becoming extinct. But stop and think for a
2、 moment about the many positive aspects that globalization is bringing.Read on and you are bound to feel comforted, ready to face the global future, which is surely inevitable now. Consider the Internet, that prime example of our shrinking world. Leaving aside the all-to-familiar worries about porno
3、graphy and political extremism, even the most narrow-minded must admit that the net offers immeasurable benefits, not just in terms of education, the sector for which it was originally designed, but more importantly on a global level, the spread of news and comment. It will be increasingly difficult
4、 for politicians to maintain their regimes of misinformation, as the oppressed will not only find support and comfort, but also be able to organize themselves more effectively. MTV is another global provider that is often criticized for imposing popular culture on the unsuspecting millions around th
5、e world. Yet the viewers“ judgment on MTV is undoubtedly positive; it is regarded as indispensable by most of the global teenage generation who watch it, a vital part of growing up. And in the final analysis, what harm can a few songs and videos cause? Is the world dominance of brands like Nike and
6、Coca-Cola so bad for us, when all is said and done? Sportswear and soft drinks are harmless products when compared to the many other things that have been globally available for a longer period of time heroin and cocaine, for example. In any case, just because Nike shoes and Coke cans are for sale,
7、it doesn“t mean you have to buy them-even globalization cannot deprive the individual of his free will. Critics of globalization can stop issuing their doom and gloom statements. Life goes on, and has more to offer for many citizens of the world than it did for their parents“ generation.（分数：20.00）(1
8、).Some people feel sad about globalization because they believe it will _.（分数：4.00）A.bring threat to the world peaceB.impair the diversified local lifeC.disrupt their present easy life-styleD.increase the size of people speaking dialects(2).Internet was originally designed _.（分数：4.00）A.to promote ed
9、ucationB.to distribute news and commentC.to relieve people of worriesD.to publicize political beliefs(3).What is the writer“s attitude towards globalization?（分数：4.00）A.SuspiciousB.PositiveC.IndifferentD.Contemptuous(4).It is implied in the passage that Nike and Coca-Cola _.（分数：4.00）A.should not beco
10、me dominant brandsB.has been ignored by many peopleC.cannot be compared with drugsD.shouldn“t have caused so much concern(5).Which of the following could be the best title of the passage?（分数：4.00）A.Globalization Is StandardizationB.Globalization: Like It or Lump ItC.Globalization: Don“t Worry, Be Ha
11、ppyD.Globalization Brings EqualityHigh-quality customer service is preached by many, but actually keeping customers happy is easier said than done. Shoppers seldom complain to the manager or owner of a retail store, but instead will alert their friends, relatives, co-workers, strangers-and anyone wh
12、o will listen. Store managers are often the last to hear complaints, and often find out only when their regular customers decide to frequent their competitors, according to a study jointly conducted by Verde Group and Wharton school. “Storytelling hurts retailers and entertains consumers,“ said Paul
13、a Courtney, President of the Verde Group. “The store loses the customer, but the shopper must also find a replacement.“ On average, every unhappy customer will complain to at least four other, and will no longer visit the specific store for every dissatisfied customer, a store will lose up to three
14、more due to negative reviews. The resulting “snowball effect“ can be disastrous to retailers. According to the research, shoppers who purchased clothing encountered the most problems. Ranked second and third were grocery and electronics customers. The most common complaints include filled parking lo
15、ts, cluttered shelves, over-loaded racks, out-of-stock items, long check-out lines, and rude salespeople. During peak shopping hours, some retailers solved the parking problems by getting moonlighting local police to work as parking attendants. Some hired flag wavers to direct customers to empty par
16、king spaces. This guidance eliminated the need for customers to circle the parking lot endlessly, and avoided confrontation between those eyeing the same parking space. Retailers can relieve the headaches by redesigning store layouts, pre-stocking sales items, hiring speedy and experienced cashiers,
17、 and having sales representatives on hand to answer questions. Most importantly, salespeople should be diplomatic and polite with angry customers. “Retailers who“re responsive and friendly are more likely to smooth over issues than those who aren“t so friendly.“ said Professor Stephen Hoch. “Maybe s
18、omething as simple as a greeter at the store entrance would help.“ Customers can also improve future shopping experiences by filing complaints to the retailer, instead of complaining to the rest of the world. Retailers are hard-pressed to improve when they have no idea what is wrong.（分数：20.00）(1).Wh
19、y are store managers often the last to hear complaints?（分数：4.00）A.Most customers won“t bother to complain even if they have had unhappy experiencesB.Customers would rather relate their unhappy experiences to people around themC.Few customers believe the service will be improvedD.Customers have no ea
20、sy access to store managers(2).What does Paula Courtney imply by saying “ . the shopper must also find a replacement“ (Line 6, Para. 2) ?（分数：4.00）A.New customers are bound to replace old onesB.It is not likely the shopper can find the same products in other storesC.Most stores provide the same kind
21、of serviceD.Not complaining to the manager causes the shopper some trouble too(3).Shop owners often hire moonlighting police as parking attendants so that shoppers _.（分数：4.00）A.can stay longer browsing in the storeB.won“t have trouble parking their carsC.won“t have any worries about securityD.can fi
22、nd their cars easily after shopping(4).What contributes most to smoothing over issues with customers?（分数：4.00）A.Manners of the salespeopleB.Hiring of efficient employeesC.Huge supply of goods for saleD.Design of the store layout(5).To achieve better shopping experiences, customers are advised to _.（
23、分数：4.00）A.exert pressure on stores to improve their serviceB.settle their disputes with stores in a diplomatic wayC.voice their dissatisfaction to store managers directlyD.shop around and make comparisons between storesFor more than 10 years there has been a bigger rise in car crime than in most oth
24、er types of crime. An average of more than two ears a minute are broken into, vandalized or stolen in the UK. Car crime accounts for almost a third of all reported offences with no signs that the trend is slowing down. Although there are highly professional criminals involved in car theft, almost 90
25、 percent of car crime is committed by the opportunist. Amateur thieves are aided by our carelessness. When the Automobile Association (AA) engineers surveyed one town centre ear park last year, 10 percent of cars checked were unlocked, a figure backed up by a Home Office national survey that found 1
26、2 percent of drivers sometimes left their ears unlocked. The vehicles are sitting in petrol stations while drivers pay for their fuel. The AA has discovered that ears are left unattended for an average of three minutes and sometimes much longer as drivers buy drinks. Cigarettes and other consumer it
27、ems and then pay at the counter. With payment by credit card more and more common, it is not unusual for a driver to be out of his car as long as six minutes providing the car thief with a golden opportunity. In an exclusive AA survey, carried out at a busy garage on a main road out of London, 300 m
28、otorists were questioned over three days of the holiday period. 24 percent admitted that they “always“ or “sometimes“ leave the keys in the car. This means that nationwide, a million cars daily become easy targets for the opportunist thief. The AA recommends locking up whenever you leave the car-and
29、 for however short a period. A partially open sunroof or window is a further come-on to thieves. Leaving valuables in view is an invitation to the criminal. A Manchester probationary service research project, which interviewed almost 100 car thieves last year, found many would investigate a coat thr
30、own on a seat. Never leave any documents showing your home address in the car. If you have a garage, use it and lock it-a garaged car is at substantially less risk. There are many other traps to avoid. The Home Office has found little awareness among drivers about safe parking. Most motorists questi
31、oned made no efforts to avoid parking in quiet spots away from streetlights just the places thieves love. The AA advises drivers to park in places with people around-thieves do not like audiences.（分数：20.00）(1).The passage seems to imply that payment by credit card _.（分数：4.00）A.is preferable for safe
32、 parkingB.is now a common practiceC.takes longer than necessaryD.aids a car thief in a way(2).Which of the following statements is correct?（分数：4.00）A.In the UK, a million cars are stolen dailyB.In the UK, there are amateur car thieves onlyC.There are more car crimes than any other type of offencesD.
33、One in ten drivers invites car theft due to carelessness(3).The researches mentioned in the passage on car theft include all the following EXCEPT _.（分数：4.00）A.checking private garagesB.interviewing motoristsC.questioning car thievesD.examining parking lots(4).The best way for a driver to avoid car t
34、heft is _.（分数：4.00）A.leaving documents showing one“s home address in the carB.locking one“s car in a parking lot at any timeC.not leaving the car unattended for longer than necessaryD.not leaving a sunroof or window partially open(5).In the last paragraph, the term “safe parking“ means _.（分数：4.00）A.
35、not parking under street lightsB.not parking in front of a theatre or cinemaC.avoiding traps set by a possible ear thiefD.parking where a lot of people pass byAmericans usually consider themselves a friendly people. Their friendships, however, tend to be shorter and more casual than friendships amon
36、g people from other cultures. It is not uncommon for Americans to have only one close friend during their lifetime, and consider other “friends“ to be just social acquaintances. This attitude probably has something to do with American mobility and the fact that Americans do not like to be dependent
37、on other people. They tend to “compartmentalize“ friend ships, having “friends at work“, “friends on the softball team“, “family friends“, etc. Because the United States is a highly active society, full of movement and change, people always seem to be on the go. In this highly charged atmosphere, Am
38、ericans can sometimes seem brusque or impatient. They want to get to know you as quickly as possible and then move on to something else. Sometimes, early on, they will ask you questions that you may feel are very personal. No insult is intended; the questions usually grow out of their genuine intere
39、st or curiosity, and their impatience to get to the heart of the matter. And the same goes for you. If you do not understand certain American behavior or you want to know more about them, do not hesitate to ask them questions about themselves. Americans are usually eager to explain all about their c
40、ountry or anything “American“ in which you may be interested. So much so in fact that you may become tired of listening. It doesn“t matter because Americans tend to be uncomfortable with silence during a conversation. They would rather talk about the weather or the latest sports scores, for example,
41、 than deal with silence. On the other hand, don“t expect Americans to be knowledgeable about international geography or world affairs, unless those subjects directly involve the United States. Because the United States is not surrounded by many other nations, some Americans tend to ignore the rest o
42、f the world.（分数：20.00）(1).The general topic of the passage is _.（分数：4.00）A.American cultureB.American societyC.Americans“ activitiesD.Americans“ personality(2).Which of the following statements is NOT TRUE according to the passage?（分数：4.00）A.Americans do not like to depend on other peopleB.Friendshi
43、ps among Americans tend to be casualC.Americans know a lot about international affairsD.Americans always seem to be on the go(3).The phrase “highly charged“(line 2，paragraph 2)most probably means _.（分数：4.00）A.extremely freeB.highly responsibleC.very cheerfulD.full of mobility and change(4).It can be
44、 inferred from the passage that _.（分数：4.00）A.Americans want to participate in all kinds of activitiesB.Americans“ character is affected by their social and geographical environmentsC.Americans do not know how to deal with silenceD.Curiosity is characteristic of Americans(5).According to the passage,
45、 Americans tend to ignore the rest of the world because _.（分数：4.00）A.they are not interested in other countriesB.they are too proud of themselvesC.their country does not have many neighboring nationsD.they are too busy to learn about other countriesTo paraphrase 18th-century statesman Edmund Burke,
46、“all that is needed for the triumph of a misguided cause is that good people do nothing.“ One such cause now seeks to end biomedical research because of the theory that animals have rights ruling out their use in research. Scientists need to respond forcefully to animal rights advocates, whose argum
47、ents are confusing the public and thereby threatening advances in health knowledge and care. Leaders of the animal rights movement target biomedical research because it depends on public funding, and few people understand the process of health care research. Hearing allegations of cruelty to animals
48、 in research settings, many are perplexed that anyone would deliberately harm an animal. For example, a grandmotherly woman staffing an animal rights booth at a recent street fair was distributing a brochure that encouraged readers not to use anything that opposed immunizations, she wanted to know i
49、f vaccines come from animal research. When assured that they do, she replied, “Then I would have to say yes.“ Asked what will happen when epidemics return, she said, “Don“t worry, scientists will find some way of using computers.“ Such well-meaning people just don“s understand. Scientists must communicate their message to the public in a compassionate, understandable way-inhuman terms, not in the language of molecular biology. We need to make clear the connection between animal research and a grandmother“s hip replacement
