1、银行系统公开招聘考试(中国农业银行)模拟 10 及答案解析(总分：100.00，做题时间：90 分钟)一、第一部分 综合知识(总题数：23，分数：23.00)1.本期“本年利润”账户借方发生额若大于贷方发生额的，则意味着企业当年_。（分数：1.00）A.盈利B.亏损C.不亏损D.与盈亏无关2.将证券划分为原生证券和衍生证券所依据的分类标准是_。（分数：1.00）A.证券发行主体B.证券权益关系C.证券收益稳定状况D.证券收益决定因素3.企业对股票、短期债券和长期债券进行投资，共同的目的是_。（分数：1.00）A.合理利用暂时闲置资金B.获取长期资金C.获取控股权D.获取收益4.下列各项中，可用
2、于计算营运资本的算式是_。（分数：1.00）A.资产总额-负债总额B.流动资产总额-负债总额C.流动资产总额-流动负债总额D.速动资产总额-流动负债总额5.经济循环型失业是指经济周期运行在衰退与萧条阶段因社会总需求不足而引起的失业。因此，经济循环型失业属于_。（分数：1.00）A.非自愿失业B.季节性失业C.结构性失业D.摩擦失业6.金融是指货币资金的融通，可分为直接金融和间接金融，此两种资金融通方式的区别在于是否有银行类金融机构介入。金融机构是城市经济的重要组成部分。以下选项中，_不是金融机构。（分数：1.00）A.信用合作社B.保险公司C.银行D.证券交易所7.公共财政为市场提供_的服务。
3、（分数：1.00）A.一视同仁B.有区别C.平均D.绝对公平8.通过财政政策和货币政策的协调配合，推动社会总需求和总供给的基本平衡，属于财政实现_的手段。（分数：1.00）A.资源配置职能B.收入分配职能C.经济稳定与发展职能D.国际收支平衡职能9.下列各选项中，_不属于财政社会管理支出。（分数：1.00）A.经济建设支出B.国防支出C.社会文教支出D.行政支出10.下列各选项中，_不属于转移性支出。（分数：1.00）A.某国政府对失业工人进行补助的支出B.某国政府对受地震灾害的另一国家进行的捐赠支出C.某国政府对所欠债务进行的利息支出D.某国政府购买所需要的办公设备进行的支出11.面对财政支
4、出的不断增长，经济学家试图从不同的角度给出解释。马斯格雷夫提出了_。（分数：1.00）A.“政府扩张法则”B.“经济发展阶段增长理论”C.“梯度渐进增长理论”D.“非均衡增长理论”12.财政支出绩效考评的关键是_。（分数：1.00）A.实施和撰写绩效考评报告B.准备绩效考评报告的撰写C.确定合理的绩效考评指标D.提交绩效考评报告13.下列各影响因素中，制约财政收入规模的根本性因素是_。（分数：1.00）A.经济体制B.经济发展水平C.政府间收入分配关系D.企业的利润水平或者居民的收入水平14.对国有资产享有法人财产权的是_。（分数：1.00）A.国家B.企业C.董事长D.企业员工15.金融市场
5、上最活跃的交易者是_。（分数：1.00）A.企业B.金融机构C.政府D.中央银行16.金融工具的流动性与收益性成_。（分数：1.00）A.正比B.反比C.不相关D.有时候成正比，有时候成反比17.下列不属于商业银行中间业务创新的是_。（分数：1.00）A.结算业务的创新B.信托业务的创新C.存贷款业务的创新D.自动化服务的创新18.党的十八大报告明确指出反对腐败、建设廉洁政治是党一贯坚持的鲜明政治立场，贪官污吏们的落马也一再告诉我们，任何时候“都不要越雷池一步”。所谓“雷池”本意是指_。（分数：1.00）A.河流B.边界C.护城河D.园中池塘19.“雾霭渐渐褪去，东方泛白，启明星闪烁着，为茫然
6、的人们指引着前进的方向。”被称为“启明星”的是太阳系中的_。（分数：1.00）A.木星B.土星C.金星D.火星20.我国唐宋时期涌现了很多著名诗人、词人，“婉约以易安为宗，豪放唯幼安称首”中的“易安”指的是_。（分数：1.00）A.柳永B.李清照C.李商隐D.苏轼21.4 月，春暖花开，阳光明媚，正是放风筝的季节。在古代，风筝最早的用途是_。（分数：1.00）A.竞技健身B.民间娱乐C.通报消息D.寄托哀思22.当前，能源消耗成为越来越多的国家关注的问题，我国能源生产消费中最多的是_。（分数：1.00）A水B煤C油D汽23.计算机的指令主要存放在_中。（分数：1.00）A.CPUB.微处理器C
7、.主存储器D.控制器二、第二部分 职业能力测试(总题数：15，分数：30.00)24.甲、乙、丙、丁四人大学毕业后分别选择了读研、留学和工作。 已知：甲和另外一个人选择了读研，其他一人留学，一人工作； 留学的毕业成绩比丙的毕业成绩好； 丁没有选择工作； 丁的毕业成绩不如丙。 由此可知_。（分数：2.00）A.和甲一起读研的是丙B.乙的毕业成绩不如丁C.乙选择了留学D.丙没有选择工作25.已知一内直径为 50cm，内高 100cm 的圆柱形木桶，灌满了浓度为 20%的盐水溶液，使其倾斜 45 度倒出部分溶液后放平，再加满清水，问此时木桶内盐水溶液的浓度是多少?_（分数：2.00）A.10%B.1
8、2.5%C.13.3%D.15%26.在一幅比例尺为 1:200 的地图上标注有一个长方形的鱼塘。该鱼塘的长与宽之比为 3:2，在地图上量得的周长为 30 厘米。则该鱼塘的实际面积是_平方米。（分数：2.00）A.216B.432C.864D.90027.某农户在鱼塘里放养了一批桂花鱼苗。过了一段时间，为了得知鱼苗存活数量，他先从鱼塘中捕出200 条鱼，做上标记之后，再放回鱼塘。过几天后，再从鱼塘捕出 500 条鱼，其中标有记号的鱼苗有 25条。假设存活的鱼苗在这几天没有死，则这个鱼塘里存活鱼苗的数量最有可能是_条。（分数：2.00）A.1600B.2500C.3400D.400028.某市制
9、定了峰谷分时电价方案，峰时电价为原电价的 110%，谷时电价为原电价的八折。小静家六月用电 400 度，其中峰时用电 210 度，谷时用电 190 度。实行峰谷分时电价调整方案后小静家用电成本为调整前的_。（分数：2.00）A.95.75%B.87.25%C.90.5%D.85.5%29.车间领到一批电影票和球票发放给车间工人，电影票数是球票数的 2 倍。如果每个工人发 3 张球票，则剩余 2 张。如果每个工人发 7 张电影票，则缺 6 张。问车间领到多少张球票?_（分数：2.00）A.32B.30C.64D.6030.某学校 2012 年 5 月份有在校生 15000 人。6 月份毕业的学生
10、中男女比例为 1:X，剩下的学生中男女比例也为 1:X。9 月份新生入校时发现新生的男女比例也是 1:X，最终发现 9 月份在校生总人数比 5 月份多3000 人。其中男生 6000 人。问 5 月份在校生中的男生人数为_人。（分数：2.00）A.5000B.6000C.9000D.300031.某超市销售双层锅和三层锅两种蒸锅套装，其中双层锅需要 2 层锅身和 1 个锅盖，三层锅需要 3 层锅身和 1 个锅盖，并且每卖一个双层锅获利 20 元，每卖一个三层锅获利 30 元，现有 7 层锅身和 4 个锅盖来组合双层锅和三层锅两种蒸锅套装，那么最大获利为_元。（分数：2.00）A.50B.60C
11、.70D.8032.一只挂钟的秒针长 30 厘米，分针长 20 厘米，当秒针的顶点走过的弧长约为 9.42 厘米时，分针的顶点约走过的弧长为_厘米。（分数：2.00）A.6.98B.10.47C.15.70D.23.5533.每年三月某单位都要组织员工去 A、B 两地参加植树活动。已知去 A 地每人往返车费 20 元，人均植树5 棵，去 B 地每人往返车费 30 元，人均植树 3 棵。设到 A 地员工有 x 人，A、B 两地共植树 y 棵，y 与 x之间满足 y=8x-15。若往返车费总和不超过 3000 元，那么，最多可植树_棵。（分数：2.00）A.489B.400C.498D.51334
12、.某市出租车运营方案调整如下：起步价由过去的 5 元 2 公里调整为 8 元 3 公里，运价由每公里 1.2 元上调至每公里 116 元，调整前后行程超过 10 公里则超出部分均需加收半价返程费。现在王先生打车由甲地去乙地，两地相距 12 公里，王先生所付出租车费比调整前多付多少元?(不计候车计费)_（分数：2.00）A.4.6B.5.8C.6.6D.7.235. A B C D （分数：2.00）A.B.C.D.36.1，2，7，23，76，_。（分数：2.00）A.206B.218C.239D.25137.2，6，30，60，130，210，_。（分数：2.00）A.340B.350C.3
13、60D.37038. A B7 C6 D （分数：2.00）A.B.C.D.三、第三部分 英语(总题数：0，分数：0.00)四、Part 1(总题数：15，分数：30.00)39.Kate“s little brother kicked the ball to the rive; she took great trouble to get in _ the river.（分数：2.00）A.onB.fromC.from onD.over from40.Your mother _, however, say that to us that day.（分数：2.00）A.doesB.didC.is
14、 doingD.was doing41.The problem just _ to be discussed at the class meeting tomorrow.（分数：2.00）A.referred isB.referred to beingC.referring to isD.referred to is42.I phoned my first teacher time and again when I heard that he was ill, yet couldn“t _.（分数：2.00）A.get throughB.get alongC.get overD.get hol
15、d of43.Henry, the phone is ringing. Do you want me to go? No, sit still. _.（分数：2.00）A.I“ll get itB.I am to get itC.I“m getting itD.I am about to get it44.She took the boy _ the hand and led him _ the zero.（分数：2.00）A.in, byB.on; atC.at; inD.by; round45.I went to bed very late last night, _, early the
16、 next morning.（分数：2.00）A.or ratherB.at leastC.at mostD.in a word46.Whether we“ll hold the sports meet depends on the weather, _?（分数：2.00）A.won“t weB.shan“t weC.doesn“t itD.won“t it47. Is he said _ his car lost? Yes. He was so foolish _ leave his car（分数：2.00）A.that; that; unlockB.to have had; as to;
17、unlockedC.to have; to; unlockD.to have; for him to; unlocked48. What is that building? _ the garden equipment is stored.（分数：2.00）A.There is in whichB.That is whereC.The building thatD.That I got49.The College Entrance Examination _ near, so you should be prepared for it.（分数：2.00）A.is drawingB.drawsC
18、.drewD.has drawn50.All of us still remember the terrible earthquake that _ Tangshan twenty years ago.（分数：2.00）A.attackedB.struckC.knockedD.exploded51.Whenever I met him, _ was fairly often, I like his sweet and hopeful smile.（分数：2.00）A.whatB.thatC.whichD.when52.Mr Smith, _ of the _ speech, started t
19、o read a novel.（分数：2.00）A.tired; boringB.tiring; boredC.tired; boredD.tiring; boring53._ China“s reform and opening up in late 1978, its quick development has aroused worldwide attention, which has made America anxious about it.（分数：2.00）A.WhenB.AsC.WhileD.Since五、Part 2(总题数：3，分数：17.00)Today there are
20、 policemen everywhere, but in 1700, London had no policemen at all. A few old men used to protect the city streets at night and they were not paid. About 300 years ago, London was starting to get bigger and more and more people began to live there. The city was very dirty and many people were poor.
21、There were so many thieves who stole money in the streets that people stayed in their homes as much as possible. In 1750, Henry Fielding started to pay a group of people to stop thieves. They were like policemen and were called “Bow Street Runners“ because they worked near Bow Street. Fifty years la
22、ter, there were 120 “Bow Street Runners“, but London had become very big and needed more policemen. So in 1829, the first Metropolitan (or London) Police Force was started with 3000 officers. Most of the men worked on foot, but a few rode horses. Until 1920 all the police in London were men. Today,
23、the London police are quite well paid and for the few police officers who still ride horses, the pay is even better than for the others.（分数：5.00）(1).In 1700, the men who protected the streets were paid _.（分数：1.00）A.a fewB.nothingC.a littleD.a lot(2).About 300 years ago, many people _.（分数：1.00）A.want
24、ed to leave LondonB.had big houses in LondonC.became policemenD.came to live in London(3).People didn“t leave their houses because _.（分数：1.00）A.they had no moneyB.they were afraid of losing moneyC.the city was not cleanD.they liked homes(4).The “Bow Street Runners“ _.（分数：1.00）A.stopped people steali
25、ngB.stole moneyC.paid people for them to stealD.stopped people riding horses(5).Today, London police officers who ride horses are paid _.（分数：1.00）A.the same as their workmatesB.more than their workmatesC.half as much as their workmatesD.less than their workmatesNASA“s Mars rover Opportunity has bold
26、ly gone where no rover has gone beforeat least in terms of distance. Since arriving on the Red Planet in 2004, Opportunity has traveled 25.01 miles, more than any other wheeled vehicle has on another world. On July 27, after years of moving about on Martian ground, the golf-cart-sized Opportunity ha
27、d driven more than 24 miles, beating the previous record holdera Soviet rover sent to the moon in 1973. “This is so remarkable considering Opportunity was intended to drive about 1 kilometer and was never designed for distance,“ says John Callas, the Mars Exploration Rover Project Manager. He works
28、at NASA“s Jet Propulsion Laboratory in Pasadena, California. “But what is really importantly is not how many miles the rover has racked up, but how much exploration and discovery we have accomplished over that distance.“ OPPORTUNITY The solar-powered Opportunity and its twin rover, Spirit, landed on
29、 Mars 10 years ago on a mission expected to last 3 months. The objective of the rovers was to help scientists learn more about the planet and to search for signs of life, such as the possible presence of water. Spirit stopped communicating with Earth in March 2010, a few months after it got stuck in
30、 a sand pit. But Opportunity has continued to collect and analyze Martian soil and rocks. During its mission, Opportunity has captured, and sent back to Earth, some 187,000 panoramic and microscopic images of Mars with its cameras. It has also provided scientists with data on the planet“s atmosphere
31、, soil, rocks, and terrain. MARATHON ROVER The rover doesn“t seem to be ready to stop just yet. If Opportunity can continue on, it will reach another major investigation site when its odometer hits 26.2 miles. Scientists call this site Marathon Valley, because when the rover reaches the area, it wil
32、l have traveled the same distance as the length of a marathon since its arrival on Mars. Researchers believe that clay minerals exposed near Marathon Valley could hold clues to Mars“s ancient environment1. Opportunity“s continuing travels will also help researchers as they plan for an eventual human
33、 mission to the Red Planet.（分数：5.00）(1).Opportunity is a record breaking rover in the sense of _.（分数：1.00）A.how far it has traveledB.how long is has stayed in spaceC.how much investment it has involvedD.how many facilities it has been equipped with(2).What does John Callas say about Opportunity“s lo
34、ng distance travel?（分数：1.00）A.It hasn“t met scientists“ expectation yet.B.It hasn“t been appreciated appropriately.C.It is what scientists have been aiming at.D.It is secondary to what has been discovered.(3).One of the objectives of sending Opportunity and Spirit is to _.（分数：1.00）A.collect soil and
35、 send back to Earth.B.look for the possible presence of life.C.develop multinational space exploration.D.test how well solar-powered rovers work in outer space.(4).Which of the following statements is true of Opportunity?（分数：1.00）A.It will come back to earth soon.B.Another rover will be sent to repl
36、ace it.C.It will work with other rovers exploring Mars.D.It is travelling to another important site.(5).It can be inferred from the last paragraph that _.（分数：1.00）A.experts know how far Opportunity will walk on MarsB.researchers are working on sending many more rovers to MarsC.Opportunity is suppose
37、d to collect clay materials from Marathon ValleyD.Mars“s ancient environment might be revealed with the help of OpportunityNew reasearch from NASA scientists suggests emissions of black soot after the way sunlight reflects off snow. According to a computer simulation, black soot may be responsible f
38、or 25 percent of observed global warming over the past century. Soot in the higher latitudes(维度)of the Earth, where ice is more common, absorbs more of the sun“s energy and warmth than an icy, white background. Dark-colored black carbon, or soot, absorbs sunlight, while lighter colored ice reflects
39、sunlight. Soot in areas with snow and ice may play an important role in climate change. Also, if snow and ice covered areas begin melting, the warming effect increase, as the soot becomes more concentrated on the snow surface. “This provides a positive feedback, as glaciers and ice sheets melt, they
40、 tend to get even dirtier.“ said Dr. James Hansen, a researcher at NASA“s Goddard Institute for Space Studies, New York. Hansen found soot“s effect on snow albedo(反照率), which may be contributing to trends toward early springs in the Northern Hemisphere, such as thinninbg Arctic sea ice and melting g
41、laciers permafrost. Soot also is believed to play a role in changes in the atmosphere above the oceans and land. “Black carbon reduces the amount of energy reflected by snow back into space, thus heading the snow surface more than if there were no black carbon,“ Hansen said. Soot“s increased absorpt
42、ion of solar energy is especially effective in warming the world“s climate.“ This forcing is unusually effective, causing twice as much global warming as a carbon-dioxide forcing of the same magnitude.“ Hansen noted. Hansen cautioned, although the role of soot in altering global climate is substanti
43、al, it does not alter the fact that greenhouse gases are the primary cause of climate warming during the past century. Such gases are expected to bi the largest climate forcing for the rest of the century. The researchers found that observed warming in the Northern Hermisphere was large in the winte
44、r and spring at middle and high latitudes. These observations were coherent with the researchers“ climate model situations, which showed some of the largest warming effects occurred when there were heavy snow cover and sufficient sunlight.（分数：7.00）(1).Which of the following statements of soot is NOT
45、 true?（分数：1.40）A.It reflects sunlight.B.It absorbs sun“s heat.C.It is responsible for climate change.D.It may account for a quarter of global warming over the past century.(2).Which of the following areas shows a greater warming effect?（分数：1.40）A.Ice sea areas.B.Melting glaciers.C.Areas with black c
46、arbon.D.Areas covered with white snow.(3).“This forcing“ in Paragraph 5 refers to?（分数：1.40）A.sun“s heating on snow surface.B.carbon-dioxide“s warming effect.C.snow“s increased reflection of sunlight.D.soot“s increased absorption of solar energy.(4).What is the main cause of climate warming during th
47、e past century?（分数：1.40）A.Soot.B.Snow.C.Wind.D.Greenhouse gases.(5).The largest warming effects happened in the Northern Hemisphere with（分数：1.40）A.X sea ice and insufficient sunlight.B.light snow cover and sufficient sunlight.C.heavy snow cover and sufficient sunlight.D.thick sea ice and insufficien
48、t sunlight.银行系统公开招聘考试(中国农业银行)模拟 10 答案解析(总分：100.00，做题时间：90 分钟)一、第一部分 综合知识(总题数：23，分数：23.00)1.本期“本年利润”账户借方发生额若大于贷方发生额的，则意味着企业当年_。（分数：1.00）A.盈利B.亏损 C.不亏损D.与盈亏无关解析：解析 “本年利润”账户借方大于贷方说明余额在借方，表示亏损；贷方大于借方说明余额在贷方，表不盈利。2.将证券划分为原生证券和衍生证券所依据的分类标准是_。（分数：1.00）A.证券发行主体B.证券权益关系C.证券收益稳定状况D.证券收益决定因素 解析：解析 按照证券收益的决定因素，可将证券分为原生证券和衍生证券。3.企业对股票、短期债券和长期债券进行投资，共同的目的是_。（分数：1.00）A.合理利用暂时闲置资金B.获取长期资金C.获取控股权D.获取收益 解析：解析 企业进行股票投资的目的是获利和控股；进行短期债券投资的目的主要是为了合理利用暂时闲置资金，调节现金余额，获得收益；进行长期债券投资的目的主要是为了获得稳定的收益。综上所述，投资者对股票、短期债券和长期债券进行投资，共同的目的是获取收益。4.下列各项中，可用于计算营运资本的算式是_。（分数
