安徽长丰科源村镇银行2022年招聘人员名师模拟卷[VII]3套含答案详解

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1、书山有路勤为径，学海无涯苦作舟！ 住在富人区的她 安徽长丰科源村镇银行2022年招聘人员名师模拟卷3套含答案详解（图片大小可自由调整）全文为Word可编辑，若为PDF皆为盗版，请谨慎购买！第壹卷一.题库(共125题)1.2012年某市开展了市民阅读情况调查，调查采取随机抽样方式，访问了本市12周岁以上的1000名市民调查显示，多数受访者保持每天阅读的良好习惯。其中：阅读时间在12小时的为44.8%，23小时的为11.6%，3小时以上的7.5%。42.8%的受访者每年阅读量16本书，10.8%阅读量在712本书，10.5%阅读量在13本及以上。当被问及没有更多时间阅读的原因时，57.9%的受访者

2、选择“工作学习太忙”，比重最高；其次为“家务太多”，比重为28.7%；没有值得读的好书”“娱乐活动太多”“对阅读不感兴趣”“书价太责”的比重依次为17.5%、18.1%、10.3%、23.5%。以下说法正确的是（ ）A.绝大多数1220岁的受访者每天阅读在3个小时以上B. 40岁以上的受访者中有一半以上的人一年不读书C.大部分受访者每年读书在6本以上D.受访者中每年阅读量在13本以上者不到100人答案：B解析：A选项，“1220岁的受访者每天阅读在3个小时以上”的比例为15. 2%,不算绝大多数，错误;B选项，4160岁群体中53.4%的人不读书；61岁及以上的群体，63%的人不读书，正确；C

3、选项，针对这四个年龄段的群体，每年读书在6本以上的比例都不趄过50%，也就是说，大部分受访者每年读书不超过6本,错误；D选项，由于各个年龄段的人数不确定，因此无法确定具体的人数,错误。综上所述，应选B项。2.资料：Poor health is not only damaging to employees, it is detrimental to businesses. Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and

4、substance abuse. says Rubin.Up to 90% of all doctor visits in the United States are for stress-related illnesses, according to Dr. Mehet Oz of the Dr. Oz Show.Chronic stress has a variety of negative side effects such as weight gain, lower immune system, increased risk of disease, and fatigue. Emplo

5、yers should encourage employees to reduce stress levels and improve their overall health.The first step is to educate employees on health topics. Provide reading materials or offer seminars. People cant make positive changes if they dont know what to change.Once employees know about health topics su

6、ch as stress, exercising, and healthy eating. start a health related competition such as the Biggest Loser. This offers employees motivation and a support system. If the entire office is involved, employees will be more likely to accomplish their goals.To help employees make positive lifestyle chang

7、es, have a kitchen equipped with a refrigerator and microwave to prepare healthy amounts of exercise throughout the day are beneficial.According to Dr. Oz, Exercise releases serotonin and dopamine. the feel-good hormones that become blocked during stress. Walking stairs is a great workout. One study

8、 showed that walking stairs 7 minutes a day reduces the risk of heart disease by two-thirds.If possible, offer a company discount on gym memberships. This will encourage to make positive choices outside of the office and to exercise regularly. These paragraphs are mostly likely taken from A.How to b

9、e a Favorable Employee.B.Pay Attention to Your Health.C.Its Important to Build a Healthy Body.D.Several Ways to Improve Employee Satisfaction.答案：B解析：本题考查的是语篇理解。【关键词】likely; taken from【主题句】第4自然段The first step is to educate employees on health topics. Provide reading materials or offer seminars. Peopl

10、e cant make positive changes if they dont know what to change.第一步是加强员工健康问题的教育。提供阅读材料或提供研讨会。如果人们不知道要改变什么，就无法做出积极的改变。【解析】本题的问题是“本文最有可能出自哪篇文章？”。选项A意为“如何成为有利的员工”；选项B意为“注意你的健康”；选项C意为“建立一个健康的身体很重要”；选项D意为“提高员工满意度的几种方法”。根据主题句可知，本文主要讲的是关注自己的健康，故选B。3.中国半殖民地半封建社会开端于（ ）。A.鸦片战争 B.马关条约 C.辛丑条约 D.百日维新答案：A解析：1840年6月

11、到1842年8月，英国政府以保护鸦片贸易为借口，发动了对华侵略战争鸦片战争，鸦片战争和战后一系列不平等条约的签订，是中国半殖民地半封建社会的开端。4.图根据以上资料,回答164-168题;从1998年2002年间，投资增速一直呈下降趋势的是（）。A.全社会固定资产投资B更新改造投资C.房地产开发投资D.其他类投资答案：B解析：由图表可见，更新改造投资增速从1998年至2002年的数据是19.5%12.6%11.8%11.4%6.2%，一直呈下降趋势，其它投资则时增时减，所以正确答案为。5.建筑物区分所有权,是指根据使用功能，将一栋建筑物于结构上区分为由各个所有人独自使用的专有部分和由多个所有人

12、共同使用的共有部分，每一所有人享有对其专有部分的专有权与对共有部分的共有权的结合。其中，专有部分是指具有构造上及使用上的独立性，并能够成为分别所有权客体的部分。共有部分是指区分所有人所拥有的单独所有部分以外的建筑物其他部分，并由多个所有人共同使用。根据上述定义，属于建筑物专有部分的是（ ）A.小区绿地 B.走廊 C.独立阳台 D.物业管理用房答案：C解析：根据定义，专有部分必须具有构造上及使用上的独立性，A、B属于共有部分。 故C项正确。6. 2006年1月上海通用等7家主要轿车企业的销量占我国基本型乘用车(轿车)销售量的百分比为（）。 A.524%B.524%C.387%D.387%答案：A

13、解析：由第一、二、三段可知，2006年1月上海通用等7家主要轿车企业的销量占比为(1145+202+2Ol)2955100%=15482955100%1530100%=50%。只能选择A。7.商业银行经营与管理原则的核心是 ( D ) 。A. 流动性原则B. 政策性原则C. 盈利性原则D. 安全性原则答案：D8. 计算机网络有多种分类法，若按传输介质所使用的访问控制方法，可以将网络分为星型网、环型网、总线网等。（） 答案：错解析：计算机网络的分类方式有很多种，可以按地理范围、拓扑结构、传输介质等分类。按地理范围分类：局域网、城域网、广域网；按其物理形态可以划分为有线和无线两大类。按拓扑结构分类

14、，常用的拓扑结构有总线型、星型、环型等。 9.All of the machinery must be carefully inspected before production at the plant is allowed to_ .A.inhibitB.complyC.motivateD.proceed答案：D解析：分析整句的意思，“before”引导的状语从句表示“准许进行生产”因此意为“进行”的D为正确答案。10.关于中国的历史，不仅中国学者在研究与思索，在美国、欧洲等地，也同样有学者试图对之加以理解，找出有意义的解释。近来世界形势的巨变，不可避免地影响这些学者的研究思路。首先，全球

15、化的现象对当代中国历史研究产生巨大影响；其次，中国社会自身的变化，对欧美学者研究中国也产生了重大影响。从这段话中，我们可以知道（）A.目前对中国历史的研究是在内、外两种环境因素的交互影响下进行的B.对中国历史的研究，欧美学者比中国学者更深透C.中国历史的研究受全球化因素的影响比受中国自身环境的影响更大D.中国历史的研究还处在起步阶段答案：A解析：此段话讲的是关于中国历史，中国、外国学者都在研究，并且这种研究正受到全球化的现象（外）及中国社会自身的变化（内）两方面的影响，故A项正确。B、D项文中未提及，而且也明显是错误的。C项文中也未提及。11.产生于魏晋南北朝时期的佳作有（）。A.水经注B.兰

16、亭序C.永乐大典D.天工开物答案：A,B解析：魏晋南北朝时期，郦道元作的水经注是一部综合性的地理学巨著，王羲之的兰亭序为中国书法的绝代佳作。永乐大典是中国规模最大的一部类书，于明朝永乐年间，明成祖选派解缙等3000人编辑成。天工开物被誉为“中国17世纪的工艺百科全书”，明代科学家宋应星编著。 12.俗话说“火车跑得快，全靠车头带。”可现在的动车组不一样了，它在靠车头带的同时，普遍采用动力分散技术，每节车厢都有动力装置，因此跑得又快又稳。该材料体现的哲理是（ ）。矛盾的特殊性寓于普遍性之中 必须坚持两点论与重点论的统一整体的功能及其变化会影响到部分部分的功能及其变化会影响整体的功能A. B.C.

17、 D.答案：C解析：矛盾的普通遍性寓于特殊性之中，表述错误；材料中提到动车跑得又快又稳是因为每节车厢都有动力装置，即部分功能的变化会影响到整体功能的变化，排除，故只有是材料中体现出来的哲理。13.甲公司得知乙公司正在与丙公司谈判。甲公司本来并不需要这个合同，但为了排挤乙公司，就向丙公司提出了更好的条件。乙公司退出后，甲公司也借故中止谈判，给丙公司造成了损失。甲公司的行为应定性为（ ）。A.欺诈 B.以合法形式掩盖非法目的C.恶意磋商 D.正常的商业竞争答案：C解析：最高人民法院关于贯彻执行中华人民共和国民法通则若干意见（试行）第68条规定一方当事人故意告知对方虚假情况，或者故意隐瞒真实情况，诱

18、使对方当 事人作出错误意思表示的，可以认定为欺诈行为。”故甲公司的行为不符合欺诈要件。恶意磋商的构成要件包括:(1)无意在合理价格范围订立合同；（2）与对方协商合同事宜，让对方误以为该方有交易的可能；（3）给对方造成损失，包括丧失交易机会以及其他合理损失。因此甲公司的行为属于恶意磋商，应当承担赔偿责任。14.某次数学考试考五道题全班52人参加，共做对181道题，已知每人至少做对1道题，做对1道的有7人。5道全对的有6人，做对2道和3道的人数一样多，那么做对4道的人数有多少人?（）A.20B.24C.27D.31答案：D解析：对2道、3道、4道题的人共有5276=39人；他们共做对了181175

19、6=144道。由于对2道和3道题的人数一样多，我们就可以把他们看作是做对(2+3)2=25道题的人，那么，对4道题的有(1442539)(425)=31人。15.某次会议，昨天参加会议的男代表比女代表多700人，今天男代表减少10%，女代表增加了5%,今天共1995人出席会议，那么昨天参加会议的有（）人。A.2000 B.1900 C.2100 D.2200答案：C解析：1995700X（110%）是昨天女代表人数的（1+5%）+（110%），故昨天参加会议的有：1995700X（110%）+（110%）+（1+5%）X2+700=1365195%X2+700=2100（人）。16.长沙分行对

20、年终的年会做了以下费用预算：(单位：元)请你根据表中所给资料，计算出长沙分行一共有(X)名员工。请在下划线处输入您的答案：X：_。答案：解析：234。17.When it comes to friends, I desire those who will share my happiness, who possess wings of their own and who will fly with me. I seek friends whose qualities illuminate me and train me up for love. It is for these people t

21、hat I reserve the glowing hours, too good not to share.When I was in the eighth grade, I had a friend. We were shy and too serious about our stud- ies when it was becoming fashionable with our classmates to learn acceptable social behaviors. We said little at school, but she would come to my house a

22、nd we would sit down with pencils and paper, and one of us would say:Lets start with a train whistle today. We would sit quietly together and write separate poems or stories that grew out of a train whistle. Then we would read them aloud. At the end of that school year, we were changing into social

23、creatures and the stories and poems stopped.When I lived for a time in London, I had a friend, he was in despair and I was in despair. But our friendship was based on the idea in each of us that we would be sorry later if we did not explore this great city because we had felt bad at the time. We met

24、 every Sunday for five weeks and found many excellent things. We walked until our despairs disappeared and then we parted. We gave London to each other.For almost four years I have had remarkable friend whose imagination illuminates mine. We write long letters in which we often discover our stranges

25、t selves. Each of us appears, sometimes ina funny way, in the others dreams. She and I agree that, at certain times, we seem to be parts of the same mind. In my most interesting moments, I often think : Yes, I must tell. We have never met.It is such comforting companions I wish to keep. One bright h

26、our with their kind is worth more to me than the lifetime services of a psychologist,who will only fill up the healing silence necessary to those darkest moments in which I would rather be my own best friend.What is the best title for the passage?A. Unforgettable ExperiencesB. Remarkable Imagination

27、C. Lifelong FriendshipD. Noble Companions答案：D解析：此题暂无解析考查概括的能力。整篇文章表达的是作者在不同时期的朋友伴随自己成长变化的过程，说明了朋友对自己的影响和崇高的友谊。18.资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, up

28、grade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the banks president, Jin Liqun, said the projects were financially sound and environmentally friendly

29、and had been accepted by the people in the project areas.The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would compl

30、ete the last section of national artery, the M-4, the bank said.Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. T

31、he banks $165 million loan to expand electricity in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been c

32、ompleted, staff members at the bank said.Although the new bank was Chinas idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World B

33、ank and the Asian Development Bank, the Asian Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the

34、 projects, he said, “we can work wonderfully together.” The new bank is being watched closely. The United States refused to join when it was offered membership in 2014. Japan has also not sought membership in the bank. But President Obamas administration was mostly concerned that the bank would chal

35、lenge the current development architecture, the Bretton Woods system established under the leadership of the United States after World War. In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian

36、 Development Bank and the European Bank. He has also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.” Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 20

37、14. Other members of the European Union, including France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the deve

38、lopment of the bank, ”he said at the news conference. Asked if he believed that Britains decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such.（缺失） Two dozen countries have expressed interest in joining the bank, and th

39、ey sent observers to the two-day meeting, Mr. Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.The Asian Infrastructure Investment Banks first four loans will go to the following except ( ).A.IndiaB.TajikistanC.PakistanD.Bangladesh答案：A解析：本题

40、考查的是细节理解。【关键词】Asian Infrastructure Investment Bank; first four loans; except【主题句】第一段A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums

41、 in Indonesia, and improve roads in Pakistan and Tajikistan.一家新创的中国领导的国际发展银行在周六宣布了它的前四个贷款，承诺提供5.09亿美元用于孟加拉国农村的电力建设，升级印度尼西亚贫民窟的居住条件，并改善巴基斯坦和塔吉克斯坦的公路状况。【解析】本题问“亚洲基础设施投资银行的前四批贷款会发往除了（ ）的几国？根据主题句可知，选项A印度并不在四国之列。19. 3，-1，5，l，（） A.3B.7C.25D.64答案：B解析：20.He was still extremely _of his position as an outside

42、r in Paris.A. conscientiousB. consciousC. conciseD. considerate答案：A解析：考查形近词辨析。conscientious 认真尽责的；小心谨慎的；conscious 意识到的，常用结构be conscious of 意识到；concise 简明的，简洁的；considerate 体贴的，考虑周到的，be considerate of 体谅。根据句意，这里表示极度谨慎的，故用conscientious。21.加利福尼亚的消费者在寻求个人贷款时，可借助的银行比美国其他州少，银行间竞争的缺乏解释了为什么加利福尼亚的个人贷款利率高于美国其他

43、地区。以下哪项如果为真，最能削弱上述结论?（）A.个人贷款比银行做的其他种类贷款如住房按揭贷款风险大B.因为要支付相对较高的工资来吸引胜任的员工加利福尼亚的银行为他们提供的许多服务向储户收取的费用比其他地方的银行高C.因为加利福尼亚的银行存款和美国其他地区的银行存款都受相同的保险保障它们的安全性并不比其他地区的银行存款差D.加利福尼亚的银行向储户支付的利率比美国其他地区的银行低因此在加利福尼亚吸收储户的竞争较少答案：B解析：属于削弱题干的逻辑论证类试题。题干中的结论是加利福尼亚的个人贷款率高的原因是银行间缺乏竞争B项表示银行对所提供的许多服务收费高才是加利福尼亚的个人贷款利率高于美国其他地区的

44、真正原因，而并非是银行间竞争的缺乏。削弱了结论。22.资料：Asked to name their favorite city, many Americans would select San Francisco which began as a small Spanish outpost located on a magnificent bay. The town was little more than a village serving ranchers when the United States took possession of it in 1846 during the war

45、 with Mexico.San Francisco sprang into a city overnight because of the nearby discovery of gold in 1848.A great rush to California took place. Wagon trains plodded their dangerous way across 2000 miles of prairie and mountains, while hundreds of sailing vessels made the equally hazardous trip around

46、 the Horn. The vessels disgorged thousands of passengers - then the crews deserted their ship and hundreds of vessels were left to rot in the bay. Within two years, California had enough population to become a state and San Francisco was for many years the hub of that newly-arrived population.The ci

47、tys present popularity is due to an excellent climate, an easy style of living ,good food, and numerous tourist attractions. The city is famous for its cable cars which clang and bang up the steep hills, and for its excellent seafood stalls along the wharf. Most visitors arriving from nations in the

48、 Pacific Basin spend several days getting to know the town.In which year did California become an American state?（ ）1850A.1850B.1852C.1846D.1848答案：A解析：本题考查的是细节理解。【关键词】year; California; become an American state【主题句】第2自然段 San Francisco sprang into a city overnight because of the nearby discovery of go

49、ld in 1848.Within two years,California had enough population to become a state and San Francisco was for many years the hub of that newly-arrived population.1848年，由于在其附近发现了金矿，旧金山一夜之间就变成了一座城市。在两年内，加州有足够的人口成为一个州，而旧金山多年来一直是新移民的中心。【解析】本题的问题是“加州在哪一年成为美国的一个州？”。根据主题句可知，1848年在旧金山附近发现金矿。两年后，加州成为了一个州。因此，加州在18

50、50年成为美国的一个州，故选A。23.根据交易的经济性质分类，财政支出分为（）。A.功能性支出B.补偿性支出C.购买性支出D.转移性支出答案：C,D24.2003年，银行、证券、保险中国金融业“分业经营，分业监管”的框架最终完成，其标志是( )。A.中国银监会的成立B.中国人民银行的成立C.中国证监会的成立D.中国保监会的成立答案：A解析：2003年，中国银监会的成立标志着银行、证券、保险中国金融业“分业经营，分业监管”的框架最终完成。 25.资料：Word of Mouth promotion is based on the principle of pull marketing.Word

51、of mouth （WOM） promotion is based on the principle of pull marketing. It relies on the transmission of a positive marketing message from person to person through conversation or a personal communication such as email or text message. Pull marketing gets consumers to bring other consumers to the prod

52、uct. In contrast, push marketing uses above-the-line promotional techniques to put products in front of consumers in order to generate sales.Red Bull extensively uses pull marketing. This approach involves getting consumers excited about the product and conveying this excitement to their family and

53、friends. It is also about trying to get coverage of Red Bull events in the press. This coverage can encourage consumers to find out more about the product. It helps to generate momentum, through creating interesting stories for people to talk about, which in turn help to create brand awareness and g

54、row sales.The founder of Red Bull used pull marketing to promote his original product in the 1980s. He hired a Red Bull Wings Team to go out and talk to people one-to-one about the product. This helps to create consumer interest in the product. As people experience the drink and appreciate its quali

55、ties, they become advocates for the brand. They share their opinions with other consumers when they talk with friends. The promotion therefore creates a ripple effect.What may discourage the consumers to introduce the product to others?A.that the customers dont enjoy the drink.B.that the campaign is

56、 made regularly.C.that the customers always see the coverage of the company in magazines.D.all above答案：A解析：本题考查的是细节理解。【关键词】What; may discourage the consumers ; to introduce to others【主题句】第3自然段As people experience the drink and appreciate its qualities, they become advocates for the brand. 当人们体验到这种饮料

57、并欣赏它的品质时，他们就成为了这个品牌的代言人。【解析】本题的问题是“什么会阻止消费者把产品介绍给别人呢？”。选项A意为“顾客不喜欢这种饮料”；选项B意为“这个活动定期进行”；选项C意为“顾客总是在杂志上看到公司的报道”；选项D意为“上述所有”。根据主题句可知，人们喜欢这种饮料的时候才会介绍给别人，反之，不喜欢的话就不会介绍给别人，故选A。26.需打开Word文档中的一个网站链接，使用功能键正确的是（ ）。A.Ctrl B.Shift C.Fn D.Alt答案：A解析：若要打开Word文档中的网站链接，则需要按住Ctrl键，并单击该链接。27. 资本主义社会的资本是不能带来剩余价值的价值。（）

58、 答案：错解析：资本主义社会的资本可以购买劳动力，产生剩余价值。28. 西方学者汉森提出的“汲水政策”属于典型的（）。 A.扩张性财政政策B.紧缩性财政政策C.自动稳定财政政策D.相机抉择财政政策答案：D解析： 相机抉择的财政政策是指根据实际情况主动采取的财政政策当自动 稳定财政政策不发挥作用时，必须采取相机抉择的财政政策，以对经济产生必要的调节。汲水 政策属于典型的相机抉择财政政策：所谓汲水政策，是指在经济萧条时，通过财政投资来启动 社会需求，使经济恢复活力，如同水泵启动时本身缺水而无法抽水，必须先注入少量水才能使水泵正常运转。 29.农村信用社借款合同的诉讼时效期是3年。（）答案：错解析：

59、农村信用社借款合同的普通诉讼时效，现行法律规定为2年。30.由银行签发，承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据是（）。A.银行本票B.银行承兑汇票C.支票D.商业承兑汇票答案：A解析： 银行本票是指由银行签发，承诺自己在见票时无条件支付确定金额给收款人或者持票人的票据。银行承兑汇票是由在承兑银行开立存款账户的存款人出票向开户银 行审请并经银行审查同意承兑的，保证在指定日期无条件支付确定的金额给收款人或持票人 的票据：支票是出票人签发，委托办理支票存款业务的银行或者其他金融机构在见票时无条件 支付确定的金额给收款人或持票人的票据：商业承兑汇票是指由收款人签发，经付款人承兑或由

60、付款人签发并承兑的商业汇票。31.电磁波随着温度的升高，其波长( )A.产生波动B.越短C.越长D.不变答案：B解析：大多数时候是温度越高，物体发出的电磁波波长越短。因为温度越高，热胀冷缩，物体粒子之间间隙越大，致使物体表面间隙产生的小坑的直径越大,这样小坑里面的粒子振动的越活跃。32.如果试算平衡表借贷平衡，则可以肯定记账无错误。 （ ）答案：错解析：试算平衡表借贷平衡，并不能说明账户记录绝对正确，因为有些错误并 不会影响借贷双方的平衡关系。33.185/8+21.975-105.97=（ ）。A.-58.87B.-60.97C.-60.87D.-58.97答案：C解析：原式=23.125+

61、21.975-105.97=-60.87，C选项正确，A、B、D选项错误，答案选择C选项。34. 在“商品一货币一商品”的流通过程中，“商品一货币”阶段的变化是“商品的惊险的跳跃”。这个跳跃如果不成功，摔坏的不是商品，而是商品所有者。这说明（）。 A.商品生产者需要生产适销对路、质量上乘的商品B.商品生产者生产的商品卖不出去，就失去了使用价值和价值C.货币作为商品交换的媒介必须是观念上的货币D.货币作为一般等价物在物物交换中起决定作用答案：A解析： 在商品流通过程中，能否实现从商品到货币的转化对商品生产者至关重要，因为只有这样商品的价值才能实现，商品生产才能正常进行。商品是使用价值和价值的统一

62、体，使用价值是价值的物质承担者，要实现商品的价值。商品生产者就要生产适销对路、质量上秉的商品，A项正确；如果商品不能转化为货币(即卖不出去)，商品的价值没有实现其使用价值没有失去，8项错误；作为流通手段的货币必须是现实的货币，C项错误：物物交换是直接的商品交换，不需要货币作为媒介。D项错误。 35.在企业财务报表分析的基本指标中，流动比率反映的是（ ）。A.企业可在短期内转变为现金的流动资产偿还到期流动负债的能力B.企业用经营所得支付债务利息的能力C.企业立即偿还到期债务的能力D.企业利用债权人的资金进行经营活动的能力答案：A36.下列关于会计账簿的更换和保管正确的有（），A.总账、日记账和多数明细账每年更换一次B.变动较小的明细账可以连续使用，不必每年更换C.备查账不可以连续使用D.会计账簿由本单位财务会计部门保管半年后，交由本单位档案管理部门保管答案：A,B解析： 备查账可以连续使用；会计账簿由本单位财务会计部门保管1年后交由本单位档案管理部门保管。