银行系统招聘考试（英语）历年真题试卷汇编3及答案解析.doc

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1、银行系统招聘考试（英语）历年真题试卷汇编 3及答案解析(总分：84.00，做题时间：90 分钟)一、阅读理解(总题数：2，分数：20.00)2010年典型真题Greece，economically，is in the blackWith very little to export other than such farm products as tobacco，cotton and fruit，the country earns enough from“invisible earnings”to pay for its needed，growing importsFrom the sendin

2、g out of things the Greeks，earn only$285 million；from tourism，shipping and the remittances of Greeks abroad，the country takes in an additional$375 million and this washes out the almost$400 million by which imports exceed exports It has a balanced budgetAlthough more than one drachma out of four goe

3、s for defense，the government ended a recent year with fl slight surplus$5 millionGreece has fl decent reserve of almost a third of a billion dollars in gold and foreign exchangeIt has fl government not dependent on coalescing incompatible parties to obtain parliamentary majorities In thus summarizin

4、g a few happy highlightsI dont mean to minimize the vast extent of GreeceS problemsIt is the poorest country by a wide margin in Free Europe，and poverty is widespreadAt best an annual income 0f$60 to$70 is the lot of many fl peasant，and substantial unemployment plagues the countryside，cities，and tow

5、ns of GreeceThere are few natural resources on which to build any substantial industrial baseSome years ago 1 wrote here： “Greek statesmanship will have to create an atmosphere in which home and foreign savings will willingly seek investment opportunities in the backward economy of GreeceSo far，most

6、 American and other foreign attempt have bogged down in the Greek governments red tape and shrewdness about small points”Great strides have been madeAs far back as 1956，expanding tourism seemed a logical way to bring needed foreign currencies and additional jobs to GreeceAt that time I talked with t

7、he Hilton Hotel people，who had been examining hotel possibilities，and to the Greek government division responsible for this area of the economyThey were hopelessly deadlocked in almost total differences of opinion and outlook Today most of the incredibly varied，beautiful，historical sights of Greece

8、have new，if in manv cases modest，tourist facilitiesTourism itself has j umped from approximately$3 1 million to over$90 millionThere is both a magnificent new Hilton Hotel in Athens and a completely modernized，greatly expanded Grande Bretagne，as well as other firstrate new hotelsAnd the advent of je

9、ts has made Athens as accessible as Paris or Romewithout the skyhigh prices of trafficchoked streets of either（分数：10.00）(1).The title below that best expresses the ideas of this passage is_( )（分数：2.00）A.Greek income and expendituresB.the improving economic situation in GreeceC.the value of tourismD.

10、military expenditures(2).Many peasants earn less than_( )（分数：2.00）A.$60 a weekB.$2 a weekC.$1 a dayD.$10 a month(3).The Greek Government spends_( )（分数：2.00）A.more than 25 of its budget on military termsB.more than its collectsC.a third of a billion dollars in goldD.1ess than 25 of its budget on mili

11、tary terms(4).According to the passage，Greece has_( )（分数：2.00）A.a dictatorshipB.a monarchyC.a single majority partyD.too much red tape(5).Greece imports annually goods and materials_( )（分数：2.00）A.totaling almost $700 millionB.that balance exportsC.that are paid by touristsD.costing$5 millionFederal

12、efforts to aid minority businesses began in the 1960s、when the Small Business Administration(SBA) began making federally guaranteed loans and government sponsored management and technical assistance available to minority business enterprisesWhile this program enabled many minority entrepreneurs to f

13、orm new businesses，the results were disappointing，since managerial inexperience，unfavorable locations，and capital shortages led to high failure ratesEven 1 5 years after the program was implemented，minority business receipts were not quite two percent of the national economys total receipts Recently

14、 federal policymakers have adopted an approach intended to accelerate development of the minority business sector by moving away from directly aiding small minority enterprises and toward supporting large，growth oriented minority firms through intermediary companiesIn this approach，large corporation

15、s participate in the development of successful and stable minority businesses by making use of government-sponsored venture capitalThe capital is used by a participating company to establish a Minority Enterprise Small Businesses that have potential to become future suppliers of customers of the spo

16、nsoring company MESBICs are the result of the belief that providing established firms with easier access to relevant management techniques and more job-specific experience，as well as substantial amounts of capital，gives those firms a greater opportunity to develop sound business foundations than doe

17、s simply making general management experience and small amounts of capital availableFurther。since potential markets for the minority businesses already exist through the sponsoring companies，the minority businesses face considerably less risk in terms of location and market fluctuationFollowing earl

18、y financial and operating problems，sponsoring corporations began to capitalize MESBICs far above the legal minimum of $500000 in order to generate sufficient income and to sustain the quality of management neededMESBICs are now emerging as increasingly important financing sources for minority enterp

19、rises Ironically，MESBIC staffs，which usually consist of Hispanic and Black professionals，tend to approach investments in minority firms more pragmatically than do many MESBIC directors，who are usually senior managers from sponsoring corporationsThe latter often still think mainly in terms of the “so

20、cial responsibility approach”and thus seem to prefer deals that are riskier and less attractive than normal investment criteria would warrantSuch differences in viewpoint have produced uneasiness among many minority staff members，who feel that minority entrepreneurs and businesses should be judged b

21、y established business considerationsThese staff members believe their point of view is closer to the original philosophy of MESBICs and they are concerned that，unless a more prudent course is followed，MESBIC directors may revert to policies likely to recreate the disappointing results of the origin

22、al SBA approach（分数：10.00）(1).Which of the following best states the central idea of the passage?（分数：2.00）A.The use of MESBICs for aiding minority entrepreneurs seems to have greater potential for success than does the original SBA approach。B.There is a crucial difference in point of view between the

23、 staff and directors of some MESBICsC.After initial problems with management and marketing，minority businesses have begun to expand at a steady rateD.Minority entrepreneurs wishing to form new businesses now have several equally successful federal programs on which to rely(2).According to the passag

24、e，the MESBIC approach differs from the SBA approach in that MESBICs_。（分数：2.00）A.seek federal contracts to provide market for minority businessesB.encourage minority businesses to provide markets for other minority businessesC.attempt to maintain a specified rate of growth in the minority business se

25、ctorD.rely on the participation of large corporations to finance minority businesses(3).Which of the following statements about the SBA program can be inferred from the passage?（分数：2.00）A.The maximum term for loans made to recipient businesses was 15 yearsB.Business loans were considered to be more

26、useful to recipient businesses than was management and technical assistanceC.The anticipated failure rate for recipient businesses was significantly lower than the rate that actually resultedD.Recipient businesses were encouraged to relocate to areas more favorable for business development(4).The au

27、thor refers to the“financial and operating problems”encountered by MESBICs primarily in order to_（分数：2.00）A.broaden the scope 0f the discussion to include the legal considerations of funding MESBICs through sponsoring companiesB.call attention to the fact that MESBICs must receive adequate funding i

28、n order to function effectivelyC.show that sponsoring companies were willing to invest only $500000 of government-sponsored venture capital in the original MESBICsD.compare SBA and MESBIC limits on minimum funding(5).It can be inferred from the passage that the attitude of some MESBIC staff member t

29、oward the investments preferred by some MESBIC directors can be best described as_（分数：2.00）A.disappointingB.indifferentC.shockedD.defensive二、英语翻译(总题数：2，分数：4.00)1.英译汉（分数：2.00）_2.2010年典型真题】将下面文章中画线的句子翻译成中文。 The chief US negotiator，Trade Representative Charlene Barshefsky，described the deal as“profound

30、ly important”，“absolutely comprehensive”and an excellent one for American business (1) At a meeting with MsBarshefsky yesterday afternoon, president Jiang Zemin called the deal as “good，historic and realistic”，and a win-win for both sides，which showed that both countries saw the issue from a strateg

31、ic viewpoint(2)Chinaa entry into the WTO will have profound ramifications(分支、分派)for the countryBinding her to international trading rules and encouraging foreign firms to invest by providing a system less based on rule by the idiosyncrasies(特性) of an official and more on transparent laws and regulat

32、ions(3)It will accelerate a process of closing moneylosing and overmanned state companies and moving labor and capital into market-driven businessesIn the short term，it will drive up unemployment as inefficient，capitalintensive state industries shed labor and shut down It also marks a vital politica

33、l victory for Prime Minister Zhu Rongji，the main proponent。along with MrJiang，of Chinas membership，who offered a similar deal in Washington in April The NATO bombing of the Chinese Embassy in Belgrade，froze negotiations from May until September(4) For MrZhu，WTO membership will serve as a motor for r

34、eform of state companies，banking，insurance，securities and other industries At a news conference just before she left China，MsBarshefsky said the support of the two presidents had been crucialPresidents Bill Clinton and Jiang Zemin met in Auckland and agreed to put the talks back on track，with a dead

35、line of the next round of WTO talks that will begin in Seattle on November 30MsBarshefsky，full of energy despite the six-day marathon，presented the agreements main detailsOverall tariffs will fall to an average of about 17 per cent and on farm goods to 145 per cent or 15 per cent，while China will ma

36、ke significant liberalization on importing such goods，especially wheat，corn，cotton and other (5) China will eliminate non-tariff quotas within five years，some in two to three yearsIt will cut tariffs on imported cars from the current 80-100 percent to 25 percent by 2006 and allow foreign financial i

37、nstitutions to finance the purchase of cars（分数：2.00）_三、完形填空(总题数：2，分数：60.00)2011年典型真题Americas most popular newspaper website today announced that the era of free online journalism is drawing to a closeThe New York Times has become the biggest publisher yet to【B1】_ plans for a paywall around its digit

38、al offering，【B2】_ the accepted practice that internet users will not pay for news Struggling【B3】_an evaporation of advertising and a downward drift in street corner sales，The New York Times【B4】_to introduce a“metered”model at the beginning of 2011Readers will be required to pay when they have【B5】_a

39、set number of its online articles per month The decision puts the 159-year-old newspaper【B6】_the charging side of an increasingly wide chasm(鸿沟)in the media industryBut others，including the Guardian，have said they will not【B7】_internet readers，and certain papers，【B8】_Londons Evening Standard，have go

40、ne further in abandoning readership revenue by making their print editions 【B9】_ The New York Timess publisher，Arthur Sulzberger，【B10】_that the move is a gamble：“This is a【B11】_，to a certain degree，in where we think the web is going” Boasting a print【B12】_of 995000 on weekdays and 14 million on Sund

41、ays，The New York Times is the third bestselling American newspaper，【B13】_the Wall Street Journal and USA Today【B14】_most US papers focus on a single city，The New York Times is among the few that can【B15】_national scope-as well as 16 bureaus in the New York areait has 11 offices around the US and【B16

42、】_26 bureaus elsewhere in the world But【B17】_ many in the publishing industry，the paper is in the grip of a【B18】_financial crisisIts parent company，the New York Times Company，has 15 papers，but【B19】_a loss of$70 million in the nine months to September and recently accepted a$250 million【B20】_from a M

43、exican billionaire。Carlos Slim，to strengthen its balance sheet（分数：40.00）(1).【B1】（分数：2.00）A.set inB.set outC.carry overD.carry away(2).【B2】（分数：2.00）A.abusingB.deductingC.developingD.abandoning(3).【B3】（分数：2.00）A.withB.besideC.alongD.by(4).【B4】（分数：2.00）A.engagesB.intendsC.deliberatesD.signifies(5).【B5】

44、（分数：2.00）A.exceededB.multipliedC.assumedD.revealed(6).【B6】（分数：2.00）A.onB.ofC.overD.up(7).【B7】（分数：2.00）A.costB.consumeC.expendD.charge(8).【B8】（分数：2.00）A.as forB.far fromC.such asD.by far(9).【B9】（分数：2.00）A.reliableB.freeC.applicableD.easy(10).【B10】（分数：2.00）A.resistedB.certifiedC.acknowledgedD.appealed

45、(11).【B11】（分数：2.00）A.netB.kitC.betD.pit(12).【B12】（分数：2.00）A.evaluationB.expansionC.circulationD.dimension(13).【B13】（分数：2.00）A.behindB.againstC.beforeD.within(14).【B14】（分数：2.00）A.IfB.WhileC.HenceD.Because(15).【B15】（分数：2.00）A.ascendB.announceC.1engthenD.claim(16).【B16】（分数：2.00）A.contributesB.disposesC

46、.maintainsD.encounters(17).【B17】（分数：2.00）A.1ikeB.beyondC.fromD.through(18).【B18】（分数：2.00）A.heavyB.crudeC.roughD.serious(19).【B19】（分数：2.00）A.targetedB.suspendedC.sufferedD.tolerated(20).【B20】（分数：2.00）A.assetB.billC.accountD.10anThe History of American Dollar We found a good place to start：a book call

47、ed“A History of Money”by Glyn Davies，a British professor who died last yearHe wrote that during American 【B1】_times，the British pound was in【B2】_ supplySo the colonists had to find【B3】_ tobacco，for example，even foreign coinsThe colonists printed notes【B4】_ Continentals to pay for the warThe【B5】_ of

48、some Continentals was based on the British poundOthers were based on the Spanish peso or dollar coinThe word dollar came from the German word“taler”That came from the name of a place where silver was mined and made into coinsThe United States declared its independence in 1776In 1792，the nation【B6】_ the dollar as its unit of currencyOne dollar equal one hundred centsThe Constitution gives Congress the power to【B7】_ money