甘肃省农村信用社公开招聘考试分类模拟7及答案解析.doc

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1、甘肃省农村信用社公开招聘考试分类模拟 7及答案解析(总分：100.00，做题时间：90 分钟)二、单项选择题(总题数：40，分数：100.00)1.What is Dollar Cost Averaging? _（分数：2.50）A.A brokerage account that gives investors cheap tradesB.The idea that prices tend to rise over the long termC.Buying stocks that are below average in valueD.A strategy of investing mon

2、ey on a regular basis to take advantage of market fluctuations2.From a Chinese bank“s point of view, the currency account which maintains abroad is known as _, while a RMB account operated in China for a foreign bank is termed _.（分数：2.50）A.a vostro account; a nostro accountB.a vostro account;a mirro

3、r accountC.a mirror account; a nostro accountD.a nostro account;a vostro account3.Under FOB terms the bill of lading would state goods _.（分数：2.50）A.loaded on board, freight payable at destinationB.loaded on board, freight paidC.received for shipment, freight paidD.received for shipment, freight paya

4、ble at destination4.The liabilities of the bank as shown in its balance sheet represent the _ which uses in its business.（分数：2.50）A.sources of the fundsB.share capitalC.investmentsD.advances to customers5.Low levels of uncertainty (risk) are associated with _.（分数：2.50）A.stocksB.stock optionsC.higher

5、 potential returnsD.lower potential returns6.Government securities would appear on a commercial bank“s balance sheet as _.（分数：2.50）A.an assetB.reservesC.part of net worthD.a liability7.A major problem with a fixed exchange rate system is that when countries run foreign trade deficits, _.（分数：2.50）A.t

6、here is no self-correcting mechanismB.currency values become unstableC.the value of the reserve currency declinesD.world inflation increases8.In a particular economy banks are required to keep 25 percent of all deposits in the form of reserves; this gives a credit-creation multiplier of _.（分数：2.50）A

7、.fourB.threeC.twoD.five9.Regulation of the money supply and financial markets is referred to as _.（分数：2.50）A.fiscal policyB.income policyC.monetary policyD.budgetary policy10.Since April 1994, the RMB exchange rate has been determined by _.（分数：2.50）A.the China foreign Exchange Trading SystemB.the Pe

8、ople“s Bank of ChinaC.supply and demand as well as trading situations in the China Foreign Exchange Swap MarketD.supply and demand as well as trading situations in the unified interbank foreign exchange market11.If near money is to be used directly to purchase goods or services, it must be _.（分数：2.5

9、0）A.permitted by the business companyB.endorsed by the holderC.drawn from a bank firstD.converted into cash or sight deposit12.Which of the following is not one of the function of money? _（分数：2.50）A.Medium of exchangeB.Store of valueC.Financial assetsD.Standard for deferred payment13.Unless otherwis

10、e stated in the letter of credit, banks will not accept _ presented by the beneficiary.（分数：2.50）A.the open coverB.the cover noteC.the insurance certificateD.the insurance policy14.Factoring provides the following services except _.（分数：2.50）A.maintenance of the sales ledgerB.collection of accounts re

11、ceivableC.100% non-recourse finance to the seller despite commercial disputes between the seller and the buyerD.credit risk protection on the buyer15.A production function for a firm describes _.（分数：2.50）A.What should be produced to maximize profit.B.What is technologically feasible when the firm pr

12、oduces efficiently.C.What revenue is earned from producing efficiently.D.What the firm produces with given inputs.16.Which of the following is not a characteristic of a competitive industry? _（分数：2.50）A.There are many firms.B.All firms produce homogeneous products, which are substitutable for each o

13、ther.C.There is a fierce price war among rivals.D.Firms can enter and exit the industry freely.17.The Central Bank in the open market buying and selling of securities is designed to _.（分数：2.50）A.regulation bond pricesB.achieve profit maximizationC.regulate money supplyD.adjust prices level18.What un

14、employment is formed because of the economic recession? _（分数：2.50）A.friction unemploymentB.structural unemploymentC.cyclical unemploymentD.natural unemployment19.After a long race on a hot day, a runner enjoys her first drink a lot, the second she enjoys less and she declines a third drink. This ill

15、ustrates the principle of _.（分数：2.50）A.Increasing marginal utilityB.Decreasing marginal utilityC.Increasing marginal costD.Decreasing marginal cost20.On a hot day, the price and the quantity sold of ice creams both increase. This can reflect a _.（分数：2.50）A.Shift in the demand curve to the rightB.Mov

16、e along the demand curveC.Shift in the demand curve to the leftD.Shift in the supply curve to the right21.When a country“s currency appreciates, the country“s goods abroad become _ and foreign goods in that country become _.（分数：2.50）A.cheaper; more expensiveB.more expensive; cheaperC.cheaper; cheape

17、rD.more expensive; more expensive22.A US company is bidding for a contract in China. Its Chinese customer asks for a performance bond. What is the most likely course of action? _（分数：2.50）A.It asks its bank to issue a tender bond which can be converted into a performance bondB.It gives up its bidC.It

18、 consults its bank about issuing a standby letter of creditD.It asks its bank to issue a performance bond23.There is a deficit in the federal budget when _.（分数：2.50）A.Federal government spending is greater than federal tax revenuesB.S. imports are greater than U.S. exportsC.The total demand for mone

19、y is greater than the total supply of moneyD.S. imports are smaller than U.S. exports24.A futures trader must deposit an additional amount of money into a margin account at the clearinghouse if the margin account ending balance is below the _.（分数：2.50）A.Initial margin requirementB.Variation margin r

20、equirementC.Maintenance margin requirementD.Amount of the loan borrowed from the clearinghouse25.Tom cannot tell the difference between Coke and Pepsi. For Tom, these goods are _.（分数：2.50）A.Perfect substitutesB.Perfect complementsC.NecessitiesD.None of the above26.Suppose the economy is running at t

21、he level of potential GDP, an increase in government spending in the long run will _ the price level and _ the output level.（分数：2.50）A.Increase, not changeB.Increase, increaseC.Increase, decreaseD.Decrease, increase27.For a natural monopoly, the optimal policy for a regulator to set is a price such

22、that _.（分数：2.50）A.The price level equals marginal cost.B.The price level equals average variable cost.C.The price level equals average total cost but higher than marginal cost.D.The price level is lower than marginal cost but higher than average total cost.28.If AD shifts to the right to adapt to oi

23、l shocks from OPEC, then _.（分数：2.50）A.P and GDP will remain normal automatically.B.GDP may be unchanged although P will rise.C.GDP will rise and P will drop.D.The domestic P of oil will drop.29.School students paying a lower fare than adults on the MTR trains, or cheaper tickets to the theatre, is a

24、n example of _.（分数：2.50）A.The suppliers making less profit because some customers pay a lower price.B.Consumers obtaining more consumer surplus.C.Price discrimination allowing the suppliers to make more profit from charging a higher price to customers whose demand is more elastic.D.Price discriminat

25、ion allowing the suppliers to make more profit from charging a lower price to customers whose demand is more elastic.30.When the nominal interest rate rises, _.（分数：2.50）A.Economic activity is encouraged.B.The real interest rate rises and the price of bonds rises.C.Inflation rises and the real intere

26、st rate fails.D.The real interest rate rises and the price of bonds fails.31.A firm has fixed costs of 100 000 per month and variable costs of 25 for item. It proposes to sell these items for 50 each. What is the break-even output for this firm? _（分数：2.50）A.4 000 unitsB.4 000 units in a month.C.Cann

27、ot be worked out from the information.D.2 000 units per month.32.For an A- rated corporate bond that has deteriorating fundamentals, but is expected to remain investment grade, the greatest risk is most likely _.（分数：2.50）A.Event risk.B.Default risk.C.Liquidity risk.D.Credit spread risk.33._假设是为了便于正确

28、计算企业收入、费用和损益的前提。（分数：2.50）A.会计主体B.持续经营C.会计分期D.货币计量34.款项是作为支付手段的货币资金，下列不属于款项的是_。（分数：2.50）A.银行存款B.银行汇票存款C.外埠存款D.股票35.下列不属于会计核算三项工作的是_。（分数：2.50）A.记账B.算账C.报账D.查账36.企业在一定时期内通过从事生产经营活动而在财务上取得的结果称为_。（分数：2.50）A.财务状况B.盈利能力C.经营业绩D.财务成果37.负债是指由于过去的交易或事项形成的企业需要以_等偿付的现时义务。（分数：2.50）A.资产或劳务B.资本或劳务C.资产或债权D.收入或劳务38.界

29、定从事会计工作和提供会计信息的空间范围的会计基本前提是_。（分数：2.50）A.会计职能B.会计主体C.会计内容D.会计对象39.会计核算和监督的内容是特定主体的_。（分数：2.50）A.经济资源B.资金运动C.实物运动D.经济活动40.会计的总目标是_。（分数：2.50）A.提高经济效益B.向投资者提供信息C.向债权人提供信息D.为企业内部经营管理提供信息甘肃省农村信用社公开招聘考试分类模拟 7答案解析(总分：100.00，做题时间：90 分钟)二、单项选择题(总题数：40，分数：100.00)1.What is Dollar Cost Averaging? _（分数：2.50）A.A br

30、okerage account that gives investors cheap tradesB.The idea that prices tend to rise over the long termC.Buying stocks that are below average in valueD.A strategy of investing money on a regular basis to take advantage of market fluctuations 解析：解析 平均成本法(Dollar Cost Averaging)是一种以定期及定额投资去累积资产(包括股票及基金

31、)的方法，投资者因此便会在价格处于低位期间购入多些数量的股票及基金单位，而在价格处于高位期间购入少些数量的股票及基金单位。2.From a Chinese bank“s point of view, the currency account which maintains abroad is known as _, while a RMB account operated in China for a foreign bank is termed _.（分数：2.50）A.a vostro account; a nostro accountB.a vostro account;a mirror

32、 accountC.a mirror account; a nostro accountD.a nostro account;a vostro account 解析：解析 vostro account 意思是往账；nostro account 意思是来账；mirror account 意思是镜子账户，是指与真实账户金额相等但方向相反的账户。题干的意思是，从中国的银行的角度看，本国在外国银行开立的往来账户，称为“往账”；外国银行在本国开立的人民币账户，称为“来账”。3.Under FOB terms the bill of lading would state goods _.（分数：2.50）

33、A.loaded on board, freight payable at destination B.loaded on board, freight paidC.received for shipment, freight paidD.received for shipment, freight payable at destination解析：解析 FOB(Free On Board 的首字母缩写)，也称“离岸价”。本题意思为在 FOB条件下，提早要显示货物已装船，目的地支付运费。因此本题答案选 A。4.The liabilities of the bank as shown in it

34、s balance sheet represent the _ which uses in its business.（分数：2.50）A.sources of the funds B.share capitalC.investmentsD.advances to customers解析：解析 银行资产负债表中的负债代表银行使用资金的来源。5.Low levels of uncertainty (risk) are associated with _.（分数：2.50）A.stocksB.stock optionsC.higher potential returnsD.lower potent

35、ial returns 解析：解析 一般而言，风险是与潜在收益成正比，低风险意味着相对较低的潜在收益。6.Government securities would appear on a commercial bank“s balance sheet as _.（分数：2.50）A.an asset B.reservesC.part of net worthD.a liability解析：解析 政府债券在商业银行的资产负债表中表示为银行的资产。7.A major problem with a fixed exchange rate system is that when countries ru

36、n foreign trade deficits, _.（分数：2.50）A.there is no self-correcting mechanism B.currency values become unstableC.the value of the reserve currency declinesD.world inflation increases解析：8.In a particular economy banks are required to keep 25 percent of all deposits in the form of reserves; this gives

37、a credit-creation multiplier of _.（分数：2.50）A.four B.threeC.twoD.five解析：解析 当银行存款准备金率为 25%时，货币乘数为 4。9.Regulation of the money supply and financial markets is referred to as _.（分数：2.50）A.fiscal policyB.income policyC.monetary policy D.budgetary policy解析：解析 货币政策是对货币供应量和金融市场的监管。10.Since April 1994, the R

38、MB exchange rate has been determined by _.（分数：2.50）A.the China foreign Exchange Trading SystemB.the People“s Bank of ChinaC.supply and demand as well as trading situations in the China Foreign Exchange Swap MarketD.supply and demand as well as trading situations in the unified interbank foreign exch

39、ange market 解析：解析 1994 年汇率改革以后，人民币汇率由统一的银行间外汇市场的供给以及交易量决定。11.If near money is to be used directly to purchase goods or services, it must be _.（分数：2.50）A.permitted by the business companyB.endorsed by the holderC.drawn from a bank firstD.converted into cash or sight deposit 解析：解析 如果近期可回收的货币用于直接购买商品和服

40、务，它必须转化为现金或银行存款。12.Which of the following is not one of the function of money? _（分数：2.50）A.Medium of exchangeB.Store of valueC.Financial assets D.Standard for deferred payment解析：解析 货币的职能包括 Medium of exchange(交换媒介)、Store of value(价值贮藏)、Standard for deferred payment(支付手段)等，Financial assets(金融资产)不属于货币的

41、职能。13.Unless otherwise stated in the letter of credit, banks will not accept _ presented by the beneficiary.（分数：2.50）A.the open coverB.the cover note C.the insurance certificateD.the insurance policy解析：解析 the letter of credit 信用证，beneficiary 受益人，cover note 暂保单，open cover 预约保险合同，insurance certificate

42、 保险证明书，insurance policy 保险单。除非信用证另有规定，否则银行不会接受受益人提供的暂保单。14.Factoring provides the following services except _.（分数：2.50）A.maintenance of the sales ledgerB.collection of accounts receivableC.100% non-recourse finance to the seller despite commercial disputes between the seller and the buyer D.credit r

43、isk protection on the buyer解析：解析 保理业务提供的服务不包括当买方和卖方之间存在纠纷时，100%的无追索权的贷款给买方。15.A production function for a firm describes _.（分数：2.50）A.What should be produced to maximize profit.B.What is technologically feasible when the firm produces efficiently. C.What revenue is earned from producing efficiently.

44、D.What the firm produces with given inputs.解析：解析 生产函数描述的是厂商进行有效生产时的技术可行性。16.Which of the following is not a characteristic of a competitive industry? _（分数：2.50）A.There are many firms.B.All firms produce homogeneous products, which are substitutable for each other.C.There is a fierce price war among

45、rivals. D.Firms can enter and exit the industry freely.解析：解析 完全竞争市场的特征不包括竞争对手之间的价格战。完全竞争市场是种假设性市场有如下特点：数量众多、规模很小的生产者和消费者，任何一个生产者和消费者都是市场价格接受者。产品同质。每一生产者的产品都是一样。生产要素可以在各行业之间自由流动。生产者可以自由进出某行业。信息完备。生产者和消费者都能及时获取市场的全部信息。17.The Central Bank in the open market buying and selling of securities is designed

46、to _.（分数：2.50）A.regulation bond pricesB.achieve profit maximizationC.regulate money supply D.adjust prices level解析：解析 中央银行在公开市场上买卖证券旨在调控货币供应量。18.What unemployment is formed because of the economic recession? _（分数：2.50）A.friction unemploymentB.structural unemploymentC.cyclical unemployment D.natural

47、unemployment解析：解析 周期性失业产生的原因是经济周期性衰退。19.After a long race on a hot day, a runner enjoys her first drink a lot, the second she enjoys less and she declines a third drink. This illustrates the principle of _.（分数：2.50）A.Increasing marginal utilityB.Decreasing marginal utility C.Increasing marginal cost

48、D.Decreasing marginal cost解析：解析 题干描述的是边际效用递减。20.On a hot day, the price and the quantity sold of ice creams both increase. This can reflect a _.（分数：2.50）A.Shift in the demand curve to the right B.Move along the demand curveC.Shift in the demand curve to the leftD.Shift in the supply curve to the right解析：解析 天气炎热，对冰淇淋的需求增加，需求曲线右移，导致冰淇淋的需求量和需求价格增加。21.When a country“s currency appreciates, the country“s goods abroad become _ and foreign goods in that country become _.（分数：2.50）A.cheaper; more expensiveB.m