2022年临商银行校园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 2022年临商银行校园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.类比推理。类比推理考察的是一种推理能力，先给考生一对相关的词然后要求考生在备选答案中找出一对与之在逻辑关系上最为贴近或相似的词。柳叶对于（）相当于（）对于嘴唇A.柳树,唇膏B.樱桃,眼眉C.春天,外貌D.柳枝,牙齿答案：B解析：纵向对比，柳叶可以用来形容眼眉，樱桃可以用来形容嘴唇。故答案选B。niutk2.噪声，从物理性质上看，是由声源作无规则的非周期性振动而产生的，听起来有嘈杂、刺耳

2、的感觉。从环境保护的角度看，人们把一切对生活和工作有妨碍的声音都算作噪声。噪声的危害性是多方面的。首先，噪声会影响身体健康，产生头痛、脑胀、耳鸣、眼花等症状，引起心律不齐、高血压、冠心病、消化不良、胃溃疡等疾病，严重时还会导致鼓膜破裂、双耳变聋、脑震荡、休克和死亡。其次，噪声对正常生活和工作产生干扰，噪声使人心烦意乱、注意力不集中，妨碍休息和睡眠。第三，特强噪声会损坏仪器设备和建筑结构，带来灾难性的破坏。例如，火箭和宇宙飞船的机械结构，在特强噪声作用下，会产生“声疲劳”，使材料或结构产生疲劳断裂；当超音速飞机在低空掠过时，引起的“隆隆声”相当于炸弹爆炸，会使门窗损坏、墙面开裂、屋顶掀翻、烟囱倒

3、塌。据统计，在机械制造业中，近80%的事故和设备损伤与噪声、共振有关。噪声可通过空气振动和固体振动两种途径传播，而对付噪声，则有吸收和反射两种方法。对于空气中传播的噪声，可采用隔声和吸声材料加以隔离；对于固体振动引起的噪声，则采用防振和减振材料加以消除。首先，我们将金属材料和高分子材料（加塑料、橡胶等）进行比较。金属材料的强度高，适合于作为工程结构和机械零件的材料，但它的振动衰减性差，容易产生振动和噪声。若要振动衰减性好，可以采用塑料，但塑料无法用在强度要求高的场合。所以，人们为了兼顾高强度和振动衰减性好这两方面的要求，开始研制防振合金。这种防振合金可利用金属本身所具有的高减振性能，来达到减振

4、、消声的目的。目前生产中应用的防振合金有数十种，例如有减振和强度兼优的锰铜合金、镍钛合金，有常作为机床床身、机器底座的灰口铸铁，有用于制造立体声放大器底板的铝锌合金，也有作为蒸汽涡轮机叶片材料的铬钢，更有用作火箭、卫星上精密仪器防振台架的镁锆合金等。锰铜合金是一种目前被认为性能较好的防振合金。据说，当初有一块含锰量为80%的合金掉在地上，并未发出多大的声音，因而引起人们的兴趣。从此，美国矿山局开始研究它，英国有关方面也研究它。结果，英国研制成功了含54.25%锰、37%铜、3%铁、1.5%镍的合金，这种合金被称为“索诺斯同”（Sonoston）；美国研制成功了含40%锰、58%铜、2%铝的合金

5、，该合金被称为“因克拉谬特”（Incramute）；而上海交通大学则研制成功了我国自己的锰钢合金。锰铜合金之所以具有优异的减振性，是因为它的结晶构造进行了重新排列，依靠容易移动的晶体界面及在运动过程中产生的能量损耗，对振动起到阻尼作用，从而能有效地吸收噪声。生产中常用振动波传递过程中振幅的衰减程度来计算材料的减振系数。减振系数愈大，则材料的减振性愈好。据测定，锰铜合金的减振系数为40%，低碳钢的减振系数仅为4%。锰铜合金是名副其实的金属中的“哑巴”。用锤敲打锰铜合金，如同敲打橡胶那样沉闷，即使使劲把它摔在水泥地上，也只发出轻微的“噗噗”声。用锰铜合金制造潜水艇的螺旋桨，无论转速多高，都不会发出

6、声响，从而不易暴露目标，增加了潜水艇活动的隐蔽性。用锰钢合金镶嵌在燃气轮机或凿岩机钻杆的轴承套上，机器开动时，它“不动声色”，可降低噪声几十分贝，为延长机器寿命和改善劳动条件“默默无闻”地作出了贡献。圆盘锯、链式输送机、高速纸带穿孔机等许多机器，都是锰铜合金大显身手的用武之地。它还可以制成防音车轮，悄悄来，悄悄去，整日“哑口无言”，为降低城市噪声，维护宁静的生活环境立下了汗马功劳。根据本材料的相关内容，在下列选项中，噪声造成的危害不包括（ ）。A.使材料产生疲劳断裂B.造成设备损伤和生产事故C.妨碍人休息和睡眠D.干扰信号传输答案：D解析：关于噪声造成的危害的表述在第一段。A、B 项在“第三”

7、特强噪声的危害中有所体现，C 与“其次”中表述相符，D 没有。3.票据贴现的期限最长不得超过（ ）个月。A. 6 B. 12 C. 18 D. 24答案：A解析：根据贷款通则的规定，票据贴现的贴现期限最长不得超过6个月，贴现期限为从贴现之日起到票据到期日止。故正确答案选A。4.首次成功克隆哺乳动物(多利)的国家是（）。A.英国B.美国C.法国D.德国答案：A解析：克隆羊多利是1997年在英国最大的家畜家禽研究所，也是世界著名的生物学研究中心诞生的，2003年2月14日，因患严重肺病，接受安乐死。5.类比推理。类比推理考察的是一种推理能力，先给考生一对相关的词然后要求考生在备选答案中找出一对与之

8、在逻辑关系上最为贴近或相似的词。（）对于因循相当于陈迹对于（）A.连续老友B.创造回避C.遵从往事D.力行古屋。答案：C解析：遵从与因循意思相近，陈迹与往事意思相近。故答案选C。6.单元格的删除与清除的区别有（）。A.删除单元格后不能撤销清除单元格后可以撤销、，B.删除单元格后会改变其他单元格的位置，而清除不会改变其他单元格的位置C.清除只能清除单元格的内容、格式和批注，而删除将连同单元格本身一起删除D.清除单元格按Del或Delete键，删除单元格选择“编辑”菜单中的“删除”命令答案：B,C,D解析： 清除单元格只是抹去某单元格或区域的内容，而保留单元格夺身；删除单元格是删除了单元格本身。但

9、删除和清除单元格之后都可以撤销。 7. 商业银行的主要职能包括（）。 A.支付中介B.信用中介C.信用创造D.货币创造答案：A,B,C解析：商业银行有三项职能，即ABC。 8.157，65，27，11，5，（ ）A4 B3 C2 D1答案：D解析：第一项等于第二项乘以2加第三项，依次类推。9.2，3，7，46，（）A. 2112B. 2100C. 64D. 58答案：A解析：此数列的规律是 a2n-n = an+1,即 22 1 = 3,32 2 = 7,72 3 = 46,462 4 = (2112),故选 A项。10.牡丹亭能够给人强烈的感染，最主要的力量，来自作者对人类追求自由、幸福、理

10、想的执著与讴歌，而非由于剧本辞藻的_，更不是才子佳人屡经波折而终能团圆的_情节。依次填人横线部分最恰当的项是（）A.美丽 曲折B.丰富 动人C.华美 曲折D.美丽 感人答案：C解析：第一个空应该与“辞藻”搭配，四个选项中，只有“华美”可以与“辞藻”搭配。将第二个词语带入到題目中核对曲折”符合前文中“屡经波折”,所以正确答案是C.11.在word的编辑状态，执行编辑命令“粘贴”后（）。A.将文档中被选择的内容复制到当前插入点处B.将文档中被选择的内容移到剪贴板C.将剪贴板中的内容移到当前插入点处D.将剪贴板中的内容拷贝到当前插入点处答案：D12.某企业需要借入资金60万元，由于贷款银行要求将贷款

11、金额的20%作为补偿性余额，故 企业需要向银行申请的贷款数额为（ ）万元。A. 75B. 72C. 60D. 50答案：A解析：因为借款金额=申请贷款的数额X(1-补偿性余额比率），所以，本题中 需要向银行申请的贷款数额=60(1 20%) = 75万元，A项是正确答案。#13.我们的一些科普文章常常激不起公众的兴趣，原因之一便是枯燥。要把科普文章写得“郁郁乎文哉”，就需要作家的笔。科学的飞速发展，为文学写作提供了一座富矿。相信有眼光的文学家一旦领略科学题材的广阔富饶，便会陶醉在它的无限风光中乐而忘返。这段文字谈论的是（）A.科普文章对作家的依赖B.科学和文学的互相激励作用C.科学和文学互相依

12、赖的关系D.科学发展为文学提供了丰富的素材答案：B解析：题干中第一句和第二句的意思是，科普文章要靠作家写得好才能激起公众兴趣，而后面两句则讲到科学发展可以为文学创作提供素材，从而促进文学的发展。这两者是互相激励作用的表现，故选B。A项和D项只反映了题干的一部分意思。C项中的“依赖”过于绝对。14.I cannot think of anything _happened that day which I would have wished otherwise.A. whichB. whoC. thatD. what答案：C解析：考查定语从句。此处先行词为anything 引导词只能用that。1

13、5.资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. Whats more China has now surpassed the U.S. as the large

14、st business travel market in the world, ringing up $291 billion last year.At the same time, all is not rosy and a number of major issues are lurking ahead. A weakening global economy, Brexit and this years U.S. presidential election will mean growth will not be a straight line upwards.“The uncertain

15、ty created by financial upheaval and pending changes to trade and immigration rules will raise management heartburn. This will cause some postponement, even outright cancellation, of business trips. It may also trigger travel budget constriction as management seeks to hedge the uncertainty.” the rep

16、ort says.At the same time Concur, a company that provides support services for travel managers, released that the sharing economy is gaining traction with business travelers, based on its analysis of 40 million users who spend over $70 billion annually.Concur data indicates 56 percent growth for Air

17、bnb type services in usage from Q1 2015 to Q1 2016. On average, business travelers stay five nights when home sharing versus three nights in a hotel.“Managing travel and expense is becoming increasingly complex, between integration with mobile technology, nuances in traveler preferences, and new tra

18、vel supplier strategies,” notes Robb Nielsen, vice president of global produce experience at Concur. “This demands a fully connected travel and expense ecosystem paired with actionable insights, giving travel managers the visibility and control they need to drive cost savings.”A press released added

19、, “The vast majority of business travelers also want to receive personalized travel options. However, even though business travelers want personalized options, they are hesitant to share too much personal information to obtain them. They are commonly willing to share details such as their frequent f

20、lyer or hotel loyalty number, preferred airline and hotel brands and aircraft seat preferences, but fewer than half would share their travel history, preferred leisure activities while traveling, their business calendar with booked appointments and their social media account names.”Which of the foll

21、owing does not influence Global business travel market, according to the text?A.Immigration Rules.B.Straight line upwards in world economy.C.US presidential election.D.Weakening global economy.答案：B解析：本题考查细节理解。【关键词】not influence global business travel market【主题句】1. 第二自然段A weakening global economy, Br

22、exit and this years U.S. presidential election will mean growth will not be a straight line upwards.全球经济疲软、英国退欧和今年的美国总统大选将意味着经济增长不会直线上升。2.第三自然段The uncertainty created by financial upheaval and pending changes to trade and immigration rules will raise management heartburn. This will cause some postpo

23、nement, even outright cancellation, of business trips. 金融动荡带来的不确定性以及对贸易和移民规则的改变将会引发管理层的心痛。这将导致一些推迟，甚至是彻底取消商务旅行。【解析】本题问的是“根据文章以下哪一项不影响全球商务旅游市场？”选项A意为“移民政策”；选项B意为“世界经济直线上升”；选项C意为“美国总统选举”；选项D意为“全球经济疲软”根据主题句，故选B。16.保险公司不能支付到期债务，经保险监管部门同意，由（ ）依法宣告破产。A.保监会 B.人民法院 C.财政部 D.人民银行答案：B解析：金融监管管理条例中规定:保险公司不能支付到期债

24、务，经保险监管部门同意，由人民法院依法宣告破产，并由法院组织保险监管部门等有关部门和人员成立清算组进行清算。17.下列作家、作品等常识搭配有误的有（）。A.陈涉世家左丘明战国策B.钱塘湖春行一李白一唐朝C.骆驼祥子老舍一“人民艺术家”D.威尼斯商人莎士比亚一英国答案：A,B解析：陈涉世家选自史记，作者是司马迁，钱塘湖春行的作者为白居易。 18.下列关于利润表项目之间关系的等式中，正确的是（ ）。A.主营业务利润=主营业务收入一主营业务税金及附加B.营业利润=主营业务利润其他业务利润C.利润总额=营业利润一营业外支出D.净利润=利润总额一所得税答案：D19.农村信用社改革的三大目标是（）。A.风

25、险防范更为有效B.经济效益进一步提高C.各项业务得到更快更好的发展D.队伍素质进一步提高答案：A,B,C20. 高利贷最初是以实物借贷形式出现的。后来，随着商品货币关系的发展，货币借贷成为主要形式。（） 答案：对解析： 21.资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.By 2021, native display ad revenue in the US, which includes na

26、tive in-feed ads on publisher properties and social platforms, will make up 74% of total US display ad revenue, up from a 56% share in 2016, according to new BI Intelligence estimates based off historical data from the Interactive Advertising Bureau （IAB） and PwC, as well as IHS.The rapid uptick in

27、natives share of display ad revenue can largely be attributed to the dominance of social platforms like Facebook and Twitter which were early champions of native and rely almost entirely on native formats as well as the introduction of new programmatic technologies that are making it easier for publ

28、ishers and advertisers to scale native campaigns.In a new report from BI Intelligence, we breaks out native ads into three categories: social native, native-style display, and sponsored content （also referred to as premium native）. We provide（一审未录入） forecasts for how revenues from these formats will

29、 grow over the next five years and looks at what factors, in particular, are driving up spending on each of these ad units. As a note, because revenues from these three types of native content can overlap, we do not provide an overall native forecast. Finally, we lay out some of the challenges that

30、face properties that rely on native ads, namely ad frequency and Scalability issues.Here are some key takeaways from the report:Native-display ads, including social native and native ads in-feed on publisher websites, will make up the bulk of native ad revenue from 2016-2021. Native display ad reven

31、ue in the US will rise at a five-year compound annual growth rate （CAGR） of 17% during this time period to eclipse $36 billion. The rise of native video ads, particularly on social platforms, will be one of the main drivers of this growth.The passage is most probably an excerpt from_.A.a business hi

32、story bookB.a textbook about advertisementC.a business report websiteD.an introduction of a novel答案：C解析：本题考查的是判断推理。【关键词】passage; an excerpt from【主题句】第5自然段Here are some key takeaways from the report:这里是从报告中摘取的一些关键点。【解析】本题的问题是“本文最有可能摘自哪？”。A选项意为“一本商业历史书”；B选项意为“一个关于广告的教材”；C选项意为“一个商业报告网站”；D选项意为“一本小说的介绍”。

33、 根据主题句可知，文章一直在提到商业报告，因此最有可能摘自一个商业报告网站，故选C。22.可转换公司债券是一种可以在特定时间、按特定条件转换为普通股股票的特殊企业债券。（）答案：对解析：可转换债券兼具债券和股票的特性，是一种可以在特定时间、按特定条件转换为普通股股票的特殊企业债券。23.我国对货币层次M0 的定义是（ ）。A.流通中的现金B.银行活期存款C.银行定期存款D.证券公司客户保证金答案：A解析：根据我国货币层次的划分，M0 为流通中的现金，银行活期存款属于M1，银行定期存款和证券公司客户保证金属于M2。24.左边是一个完整的纸盒，右边哪项是它的展开图？A.如上图所示B.如上图所示C.

34、如上图所示D.如上图所示答案：C解析：本题属于六面体题目。以三角形面为起点，圆形面为路径，叉叉面为终点画时针，题干中为逆时针方向，C选项为逆时针方向，而D选项为顺时针方向，故C选项正确、D选项错误；A、B选项中叉叉面与三角形面互为相对面，相对面有且只能出现一次，与题干不符，均为错误选项排除。因此，选择C选项。25.资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be

35、a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.Those who have a passion for climbing high and difficult mountains are often looked upon with astonishment. Why are men and women willing to suffer cold and hardship, and to take risks on high mountains? This astonishm

36、ent is caused probably by the difference between mountaineering and other forms of activity to which men give their leisure.Mountaineering is a sport and not a game. There are no man-made rules, as there are for such games as golf and football. There are , of course, rules of a different thing that

37、it would be dangerous to ignore, but it is this freedom from man-made rules that makes mountaineering attractive to many people. Those who climb mountains are free to use their own methods.If we compare mountaineering and other more familiar sports, we might think that one big difference is that mou

38、ntaineering is not a team game. We should be mistaken in this. There are ,it is true, no matches between teams of climbers, but when climbers are on a rock face linked by a rope on which their lives may depend, there is obviously teamwork.The mountain climber knows that he may have to fight forces t

39、hat are stronger and more powerful than men. He has to fight the forces of nature. His sport requires high mental and physical qualities.A mountain climber continues to improve in skill year after year. A skier is probably past his best by the age of thirty, and most international tennis champions a

40、re in their early twenties.But it is not unusual for man of fifty or sixty to climb the highest mountains in the Alps. They may take more time than younger men, but they probably climb with more skill and less waste of effort, and their certainly experience equal enjoyment.Mountaineering involves _.

41、A.coldB.hardshipC.physical riskD.all of the above答案：D解析：本题考查的是细节理解。【关键词】mountaineering; involves【主题句】第2自然段Why are men and women willing to suffer cold and hardship,and to take risks on high mountains?为什么男人和女人愿意忍受寒冷和困苦，在高山上冒险？【解析】本题的问题是“登山涉及到以下哪项？”。选项A意为“寒冷”；选项B意为“困苦”；选项C意为“身体上的风险”；选项D意为“以上全部”。根据主题句可

42、知，登山需要忍受寒冷、困苦和冒险，故选D。26.物质文化、技术文化的传播，其意义不仅仅局限于物质的和技术的领域，它们还可能影响人们的精神世界和生活方式甚至产生意料之外的效果。因为这些物质产品和技术发明，还体现了创造者、发明者的精神理念、审美情趣和价值追求，体现了他们作为某一文化共同体成员所接受的文化传统的濡染和教育。而物质文化和技术文化的输出，间接地传达了这种物质产品所包含的精神内容和文化内涵，因而也就使其成为文化整体的代表而传播并发生影响。这段文字的主旨是( )。A物质产品的文化内涵来自于文化传统B物质文化与技术文化也能影响人们的精神文化C不同文化中共有的文化传统促进了物质文化的传播D物质文

43、化与技术文化是在与不同文化的碰撞中发展的答案：B解析：本文段的主旨句是第一句，第一句的重心在“它们还可能影响人们的精神世界和生活方式，甚至产生意料之外的效果”。文段后面的内容都是围绕这一主旨进行论述的，故本题答案为B。27.人们在一定社会条件下进行的实践活动（ ）。A.都不受社会条件的制约 B.都受社会条件的限制C.都是主观随意进行的 D.都不是对客观世界的改造答案：B解析：实践是马克思主义的核心概念，实践活动是以改造世界为目的、主体与客 体之间通过一定的中介发生相互作用的过程。一定社会条件下的实践活动都必然受到社会条 件的制约。A、C、D三项表述均错误。28.If the populatio

44、n of the earth goes on increasing at its present rate, there will eventually not be enough resources left to sustain life on the planet.By the middle of the 21st century,if present trends continue, we will have used up all the oil that drives our cars,for example.Even if scientists develop new ways

45、of feeding the human race,the crowded conditions on earth will make it necessary for lus to look for open space somewhere else. But none of the other planets in our solar system are capable of supporting life at present. One possible solution to the problem, however,has recently been suggested by Am

46、erican scientist, Professor Carl Sagan.Sagan believes that before the earths resources are compleetely exhausted it will be possible to change the atmophere of Venus and so create a new world almost as large as earth itself. The difficult is that Venus is much hotter than the earth and there is only

47、 a tiny amount of water there.Sagan proposes that algae organisms that can live in extremely hot or cold atmospheres and at the same time produce oxygen,should be bred in condition similar to those on Venus.As soon as this has been done, the algae will be placed in small rockets. Spaceship will then

48、 fly to Venus and fire the rockets into the atmosphere .In a fairly short time, the alge will break down the carbon dioxide into oxygen and carbon.When the algae have done theri work, the atmosphere will become cooler,but befor man can set foot on Venus it will be neccessary for the oxygen to produc

49、e rain. The surface of the planet will still be too hot for man to land on it but the rain will eventually fall and in a few years something like earth will be reproduced on Venus.On Venus there is a lot of _.a.waterb.carbon dioxidec.carbon monoxided.oxygen答案：B29.在俄罗斯国家杜马日前举行的经济工作会议上，一些专家强调，在世界上多数国家

50、陷入危 机情况下，国家的财政投入与政策_是经济解困的关键。填入横线部分最恰当的一项是（ ）。A.干涉 B.调节C.鼓励 D.干预答案：D解析：在国家经济出现困难的时候，不能放任自流，而是需要政府采取相应的 经济政策过问。“干涉”和“干预”都有过问某事的意思，但“干涉”着重于强行参与、横加阻 挠，多指用粗暴强硬手段过问或制止，迫使对方服从；“干预”着重于过问别人的事，一般是 给对方一定的压力和影响，因此在正常的情况下，国家采取措施调控经济用“干预”，D项 正确。30.Excel中单元格引用包括pz_填空、pz_填空和混合引用。答案：相对引用,绝对引用,31.Questions 69-71 ref

51、er to the following letter.Sarton Industries13 NovemberMs. Claudia Ramirez238 Carter BoulevardSpring Harbor, DE05421Dear Ms. RamirezThank you for your interest in Sarton Industries. I received your resume, cover letter, and reference list today. Unfortunately, the computer analyst position you were

52、interest in was filled earlier this week.Your credentials are very impressive. I believe you are well qualified for a Web-developer position that we will posting sometime next month. We are looking for candidates with extensive experience in Web design. If you are interested in the position, I can f

53、orward your information to Richard Stanton, our information systems supervisor, and suggest that he set up an interview with you. If you do not already have one assembled, you may want to put a collection of your work into a portfolio to bring with you to that interview.Please call me or send an e-m

54、ail at your earliest convenience to let me know if you would be interestedin meeting with Mr. Stanton.Sincerely.Debra MetzgerDirector of PerdonnelSarton IndustriesWhat can be inferred from the letter?A. There are several candidates for the position on Mr. Stantons team.B. Ms. Ramirez has interviewed

55、 at Sarton Industries.C. Ms. Ramirez has a background in Web design.D. Mr. Stanton has reviewed Ms. Ramirezs resume.答案：C32.从所给的四个选项中，选择最合适的一个填入问号处，使之呈现一定的规律性（)答案：C解析：每个图形都有五个交点。33. 观察给定的几个图，寻找它们的规律，问号处应该填入的图为（）。 答案：B解析：带线条的两个面相对，排除A、C；带阴影三角形的两个面相对，排除D。选B。 34. 长期平均成本曲线呈U形特征的决定因素是（）。 A.长期生产技术的规模经济和规模不

56、经济B.外在经济和外在不经济C.厂商对生产要素的利用程度D.劳动投入量的边际报酬先增加然后再递减答案：A解析： 长期平均成本呈现U形是由长期技术生产的规模经济和规模不经济决 定的而长期平均成本曲线的上下移动是由外在经济和外在不经济决定的。 35.英国科学家指出，在南极上空，大气层中的散逸层顶在过去40年中下降了大约8公里。在欧洲上空，也得出了类似的观察结论。科学家认为，由于温室效应，大气层可能会继续收缩。在21世纪，预计二氧化碳浓度会增加数倍，这会使太空边界缩小20公里，使散逸层以上区域热电离层的密度继续变小，正在收缩的大气层至少对卫星会有不可预料的影响。这段文字的主要意思是：（ ）A太空边界

57、缩小的幅度会逐渐加大 B温室效应会使大气层继续收缩C大气层中的散逸层顶会不断下降 D正在收缩的大气层对卫星的影响不可预料答案：B解析：材料先表明了大气层中的散逸层下降的现象，然后说明温室效应会使这一现象继续下去，这样至少会对卫星产生不可预料的影响，这只能说明对卫星的影响仅仅是温室效应产生的影响之一，题干论述的重点是温室效应会使大气层继续收缩。36. 市场经济不容易造成两极分化。（） 答案：错解析：市场经济会导致竞争的加剧，并且市场本身没有能力对弱势群体提供救济，必然会导致两极分化。 37.国际收支表的内容不包括（ ）。A.经常账B.官方准备账C.国际交易账D.资本账答案：C解析：国际收支表的内

58、容主要为三大项目：第一为经常账，第二为资本账，第三为官方准备账。不包括国际交易账。故本题答案选C。38.政府间转移支付的特点是（）。A.范围只限于政府之间B.范围仅限于中央与地方之间C.是无偿的支出D.并非政府的终极支出答案：A,C,D39. 错账的更正方法不包括（）。 A.蓝字更正法B.红字更正法C.补充登记法D.划线更正法答案：A解析： 40.电子商务系统主体分为四层，电子商务平台属于（ ）。A.网络层B.传输层C.服务层D.应用层答案：C解析：电子商务系统分为四层，分别是网络层、传输层、服务层和应用层。其中，电子商务平台属于服务层。41.下列做法属于有损于银行形象的是( )A.不及时将所

59、在机构的处理意见告知客户B.对所在机构明显有失妥当的做法积极补救C.坚持客户至上、客观公正的原则D.对客户的投诉表现热情答案：A解析：在实践中，一些银行业从业人员的不妥做法不仅有损于银行的形象，且容易使投诉最终转化为纠纷甚至诉讼。选项A的做法即属此类。选项B、C、D均符合银行业从业人员接受客户投诉应遵循的原则。 42.There are three kinds of goals: short-term,medium-range and long-term goals. Short-range goals are those that usually deal with current acti

60、vities,which we can apply on a daily basis.Such goals can be achieved in a week or less,or two weeks,or possible months.It should be remembered that just as a building is no stronger than its foundation ,out long-term goals cannot amount to very munch without the achievement of solid short-term goal

61、s.Upon completing our short-term goals,we should date the occasion and then add new short-term goals that will build on those that have been completed. The intermediate goals bukld on the foundation of the short-range goals.They might deal with just one term of school or the entire school year,or th

62、ey could even extend for several years.Any time you move a step at a time,you should never allow yourself to become discouraged or overwhelmed. As you complete each step,you will enforce the belief in your ability to grow adn succeed.And as your list of completion dates grow,your motivation and desire will i