曲靖市商业银行昆明分行2023年招聘历年高频考点试题库答案解析

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1、曲靖市商业银行昆明分行2023年招聘历年高频考点试题库答案解析（图片大小可自由调整）第1卷一.单项选择题(共20题)1.某内资企业年应纳税所得额为8万元，按现行税收法规规定，该企业本年度适用的企业所得税税率是（ ）。A.18B.33C.27D.30答案：C 本题解析：暂无解析2.一处房为老王所有,他离家十年期间,被侄子小王占有并出租出去，十年间得到租金5万元,修缮房屋花费2万元。老王回家后，面临这种情况,可以( )。A.收回房屋,并取得3万租金B.只能收回房屋C.收回房屋,并取得5万租金D.收回房屋,但要支付2万元的修费用答案：A 本题解析：不当得利返还原物和孳息。3.中国证监会2015年11

2、月6日表示，将恢复（）会议，合理安排审核进度。A.重大资产重组审核B.新股发行审核C.定增审核D.退市审核答案：B 本题解析：暂无解析4.实事求是地说，我也算够民主了，说一句_不为过，现在的博主数以千计相信大家对博客都有自己的看法，众口难调。还是顺其自然吧。填入划横线部分最恰当的一项是（）A.从善如流B.虚怀若谷C.我行我素D.大智若愚答案：A 本题解析：虚怀若谷：形容十分谦虚，能容纳别人的意见。它是个敬词不能用来指自己由此排除B。5.Everyone knows airline pricing is based on supply and demand. Fares are mores ex

3、pensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan you d think that demand for Rome must be higher or supply lowerWhats puzzling is that you can pay a high price to a given destination but a dramat

4、ically lower price for the exact same flight if you agree to go on to another destination.Take Alitalia to Rome for instance for travel in August A round-trip economy flight directly to Rome leaving JFK at 10:05 p.m on Alitalia 611 on August 5 costs $1,655 when booked on April 30 Compare that to $90

5、3 for a round-trip economy ticket to Milan(stopping in Rome)leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m on August 5. So why is Alitalia willing to fly you to Rome for $752 less than it would otherwise plus give you an extra one-and-a-half-hour flight to Milan?Airlines have increas

6、ed their profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination so they make

7、customers pay up for the privilege of flying direct(They also make it a little more inconvenient if you dont pay up for a direct flight in order to encourage you to fly direct)When process become so obviously illogical it may be time to why air tickets cant be transferred or resold just like any oth

8、er normal product If the airlines are entitled to exploit the free market shouldnt customers be allowed to do the same thing?Whats the authors attitude to the present airline pricing?A.NeutralB.PositiveC.NegativeD.Not mentioned答案：A 本题解析：态度题。从整个文段作者表述的方式，就是客观的表明机票的定价机制。并没有针对这个问题过多的表明自己的态度。所以作者就是中立的态度

9、。B项：积极的；C项：消极的；D均：未提及；均不符。因此答案选A。6.音乐治疗，是一个系统的干预过程，在这个过程中，治疗师利用音乐体验的各种形式，以及在治疗过程中发展起来的、作为治疗动力的治疗关系来帮助治疗对象达到健康的目的。根据上述定义，下列选项中属于音乐治疗的是A.病人李某无意中听到其他病友推荐的治疗音乐后感觉非常舒服B.医生为精神紧张抑郁的周某播放催眠音乐，周某说他感到非常放松C.某治疗师给病人听过某些音乐后，病人出现呕吐等不适症状D.治疗师王某旅游时在山泉前听到潺潺水声顿觉心旷神怡答案：B 本题解析：题干中说“音乐治疗”的主体为“治疗师”，A选项中“病人李某无意中听到其他病友推荐的治疗

10、音乐”不符合定义的主体。此外，“音乐治疗”的目的是“帮助治疗对象达到健康的目的”，C选项中“病人出现呕吐等不适症状”不符合定义的目的限定词。D选项中，治疗师王某旅游时“顿觉心旷神怡”也不是出于“帮助治疗对象达到健康的目的”，故不符合定义。B选项完全符合定义。因此，本题答案为B选项。7.A.见图AB.见图BC.见图CD.见图D答案：B 本题解析：第一组三个图形的直线数依次是3、4、5,第二组图形的直线数依次是6、7、（8)。因此选择B。8.以下故事按时间顺序排列最早的是（）。A.八百里分麾下炙，五十弦翻塞外声B.春风又绿江南岸，明月何时照我还C.秦时明月汉时关，万里长征人未还D.粉身碎骨全不怕，

11、要留清白在人间答案：C 本题解析：“八百里分麾下炙，五十弦翻塞外声。”是南宋作者辛弃疾所作。“春风又绿江南岸，明月何时照我还。”是北宋作者王安石所作。“秦时明月汉时关，万里长征人未还。”是唐朝作者王昌龄所作。“粉身碎骨全不怕，要留清白在人间。”是明朝作者于谦所作。所以年代顺序从早到晚的是C项唐朝诗人王昌龄的出塞。故本题正确答案选C。9.登顶的路上设置的种种困难，寒冷、缺氧、大风等恶劣的自然因素也同样考验你的心智，每一个挑战者都要接受严格的筛选，要走完这8844米绝非_，在这段时间里必须把握住瞬间的机会，否则会和登顶的机会_。填入横线部分最恰当的一项是（ ）。A.一日之功 失之交臂B.一蹴而就

12、谬以千里C.一气呵成 结不解缘D.一步登天 有缘无分答案：A 本题解析：“一日之功”指成功做某事并不是一日的功力，强调时间和力量的积累。 “一蹴而就”指踏一步就成功，比喻事情轻而易举，一下子就成功。“一气呵成”指一口气做成， 形容文章紧凑、连贯，也比喻做事紧凑、不间断。“一步登天”比喻一下达到很高的境界、程度， 也比喻人一下子爬上高位，多含贬义。第一空可以排除C、D两项。“失之交臂”指当面错过机会。“谬以千里”指错误荒谬到了极点。文中的意思即为没把握住瞬间的机会，就会失去登顶的时机，排除B项。正确答案为A。10.根据下列内容，回答216-220题。Bum rate is the speed a

13、t which a startup business consumes money. My rate would be $50,000 amonth when my new media company started. So, I began looking around for individuals who wouldbe my first investors.Angel money it was called. But when I reviewed my list of acquaintances tofind those who might be able to help, I fo

14、und the number got small.With no other choices, I began meeting with the venture-capital companies. But I was warnedthey took a huge share of your company for the money they put in. And if you struggled, theycould drop you cold.As I was searching for angel money, I started to build a team who truste

15、d me even though Ididnt have money for paychecks yet.Bill Becker was an expert in computer programming and image processing at a very famousMedia Lab at M.I.T. With his arrival, my company suddenly had a major technology guy in-huse.Katherine Henderson, a filmmaker and a former real-estate dealer, j

16、oined us as our directorof market research. Steve White came on as operating office. He had worked for the developer of ahome-finance software, Quicken. We grabbed him.We had some really good people, but we still didnt have enough money. One night, myneighbor, Louise Johnson, came for a visit. She a

17、nd I were only nodding acquaintances, but herboys and ours were constant companions. She ran a very good business at the time.Louise was brillant and missed nothing. She had been watching my progress closely. She knewI was dying for money and I had prospects but could offer no guarantees of success.

18、She told me that her attorney had talked to mine and the terms had been agreed upon. Shehanded me an envelope. Inside was a check for $500,000.I almost fell down. I heard her voice as if from heaven.I have confidence in your plan, she said. Youll do well. Youre going to work for it, butits satisfyin

19、g when you build your own company.Who could have thought Id find an angel so close to home?There were no words sufficientfor the moment. We just said good night. She left and I just stood there, completely humbled andcompletely committed.For a newly-established business, bum rate refers to_.A.the sa

20、lary it pays to its staffB.the interest it pays to the bankC.the way in which it raises captialD.the speed at which it spends money答案：D 本题解析：从文章第一段“Bum rate is the speed at which a startup business consumes money”可知，D项正确。11.标签:题干标签:答案12.在大型游乐园里，现场表演是刻意用来引导人群流动的。午餐时间的表演是为了减轻 公园餐厅的压力；傍晚时间的表演则有一个完全不同的目

21、的，鼓励参观者留下来吃晚餐。表面 上不同时间的表演有不同的目的，但这背后，却有一个统一的潜在目标。这个统一的潜在目标是（ ）A.尽可能地减少各旅游点的排队人数B.吸引更多的人来看现场表演，以增加利润C.最大限度地避免由于游客出人公园而引起交通堵塞D.在尽可能多的时间里最大限度地发挥餐厅的作用答案：D 本题解析：“现场表演是刻意用来引导人群流动”以吸引游览者花更多的时间在公园中，从而最大限度地发挥餐厅的作用，提高公园的利润,但现场表演的目的并不在于吸引更多的人来观看表演，故D项正确。13.存款人因办理日常转账结算和现金收付需要开立的银行结算账户是( )A.一般存款账户B.专用存款账户C.基本存款

22、账户D.临时存款账户答案：C 本题解析：暂无解析14. good storyteller must be able to hold his listeners curiosity _ he reaches the end of the story. A.whenB.unlessC.afterD.until答案：C 本题解析：句首为否定或半否定的词语，如 never，hardly，seldom，scarcely，little，at no time，not only，not once等，句子采用部分 倒装的形式，即将谓语的一部分如助动词或情态动词倒装至主语之前。如果句中的谓语没有助动词或情态动词，

23、则需添加助动词do，does或did，并将其置 于主语之前。15.Russian really is hard for lcarners, and a casual comparison might serve the conclusion that big, prestigious languages like Russian are complex. Just look, after all, at their rich, technical vocabularies, and the complex industrial societies that they serve.But lin

24、guists who have compared languages systematically are struck by the opposite conclusion.This is largely because linguists, unlike laypeople, focus on grammar, not vocabulary,Consider Berik, spoken in a few villages in eastern Papua. It may not have a word for“supernova”, but it drips with complex ru

25、les: a mandatory verb ending tells what time of day the action occurred, and another indicates the size of the direet object. Ofcourse these things can be said in English, but Berik requires them. Remote socictics may be materially simplc;“primitive”, their languages are not.Systematically so: a stu

26、dy in 2010 of thousands of tongucs found that smaller languages have more Berik-style grammatical bits and pieces attached to words. By contrast, bigger ones tend to be like English or Mandarin, in which words change their form lttle ifat all. No one knows why, but a likely culprit is the very scale

27、 and ubiquity of such widely travelled languages.As a language spreads, more foreigners come to learn it as adults (thanks to conquest and trade, for example). Since languages are more complex than they need to be, many of those adult learners will- Stalin-style- ignore some of the niceties where th

28、ey can. If those newcomers have children, the children will often learn a slightly simpler version of the language from their parents.But a new study, conducted at the Max Planck Institute for Psycholinguistics at Nijmegen in the Netherlands, has found that it is not entirely foreigners and their sl

29、oppy ways that are to blame for languages becoming simpler. Merely being bigger was enough. The researchers, Limor Raviv, Antje Meyer and Shiri Lev-Ari, asked 12 groups of four strangers and 12 groups of eight to invent languages to describe a group of moving shapes on the screen. They were told tha

30、t the goal was to rack up points for communicating successfully over 16 rounds. (They“talked by keyboard and were forbidden to use their native language, Dutch.)Over time both big and small groups got better at making themselves understood,but the bigger ones did so by crcating more systematic langu

31、ages as they interacted,with fewer idiosyncrasies. The rescarchers suppose that this is because the members of the larger groups had fewer interactions with each other member, this put pressureon them to come up with clear patterns. Smaller groups could afford quirkierlanguages, because their member

32、s got to“know”cach other better.Ncither the more systematic nor the more idiosyncratic languages were“better,given group size: the small and large groups communicated equally well. But the work provides evidence that an idiosyncratic language is best suited to a small group with rich shared history,

33、 As the language spreads, it nceds to become morepredictablc.Taken with previous studies, the new research offers a two-part answer to why grammar rules are built- and lost. As groups grow, the need for systematic rules becomes greater, unlearnable in-group-speak with random variation wont do. But l

34、anguages develop more rules than they need; as they are learned by foreign speakers joining the group. some of these get stripped away. This can explain why pairs of closely related languages - Tajik and Persian, Icelandic and Swedish, Frisian and English- differ in grammatical complexity. In each c

35、ouple, the former language is both smaller and more isolated. Systematicity is required for growth. Lost complexity is the cost of foreigners learming your language. It is the price of success.What is the authors main purpose of writing this article?A.To explain why bigger languages have simpler gra

36、mmarB.To inform readers the evolvement process of languagesC.To introduce the systematic and idiosyncratic languagesD.To compare the differences between Berik and English答案：A 本题解析：主旨大意题。全文用俄语学习引出话题，通过对比Berik语和其他大语种以及荷兰的MaxPlanck心理语言学研究院的研究，旨在说明“为什么说的人越多的语言，语法反而越简单?所以答案选A。16.To: Gloria Stefani stefig

37、From: Reesa Bonjani rbonjaniSubject: February fireworks scheduleDate: December 16Dear Ms. Stefani,Thank you for inquiring about the fireworks at Harbor Falls waterfall. Attached to this message youll find a schedule of our fireworks displays for the month of February. Im sure youll be able to find a

38、 suitable date around which to plan your trip.Also, if youre interested in staying at one of the hotels that offers a view of the waterfall and fireworks, please visit our Web site at and click on the link for nearby hotels. Dont hesitate to contact me with any more questions.Enjoy your stay at Harb

39、or Falls.Sincerely,Reesa BonjaniHarbor Falls Department of Tourism.-Harbor Falls Fireworks ScheduleFebruary Thursday February 1(for the beginning of February)Saturday February 10Wednesday February 14(for Valentines Day)Saturday February 17Sunday February 18(for the Lunar New Year)Monday February 19(

40、for Presidents Day)Saturday February 24* Fireworks displays during the month of February will start at 9 p.m.* Dates and times are subject to change and will be updated on the Web site when that information becomes available.* Fireworks displays may be cancelled due to adverse weather conditions. Ac

41、cording to the e-mail, what has Ms. Stefani done? A.Visited Harbor FallsB.Reserved a hotel roomC.Requested informationD.Contacted her travel agent答案：C 本题解析：暂无解析17.柜员制营业网点下列关于联行业务处理手续错误的是( )。A.联行业务的录入、复核和编押应分人承担B.印、押、证(机)的使用和保管，必须坚持分管分用C.负责联行业务的后台柜员应按规定打印各种联行资料D.负责联行业务的前台柜员应按日核对汇差、收、付方发生额、余额，按规定时间处理往

42、来帐答案：D 本题解析：暂无解析18. Which of the following groups would the skyscraper issue most concern?_ A.ElectriciansB.EnvironmentalistsC.City plannersD.Television viewers答案：B 本题解析：细节理解题。文章第一段第二句提到了这一点：“Ecologists pointed outthat a cluster oftallbuildings in a city often overburdens public transportation and p

43、arking lot capacities”这里ecologists(生态学者)实际上就是environmentalists(环境保护人士)。19.审计机关对（ ）预算的执行情况和决策以及其他财政收支情况，进行审计监督。 a.本级各部门和下级政府 B.本级政府及各部门C.本级各部门 D.本级政府 A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：略20.下列外国作家、作品、作者国籍对应错误的一项是（ ）。A.海明威老人与海美国B.但丁神曲意大利C.狄更斯双城记德国D.司汤达红与黑法国答案：C 本题解析：双城记的作者是著名的英国小说家查尔斯?狄更斯，他生活在英国由 半封建社会向工业资本

44、主义社会的过渡时期。其作品广泛而深刻地描写这时期社会生活的各 个方面，鲜明而生动地刻画了各阶层的代表人物形象。双城记这部小说深刻地揭露了法国 大革命煎深深激化了的社会矛盾，强烈地抨击贵族阶级的荒淫残暴，并深切地同情下层人民的苦难。创作动机在于借古讽今，以法囯大革命的历史经验为借鉴，给英国统治阶级敲响警钟。 C项作者国籍错误；A、B、D三项对应均准确无误。故本题答案为C。二.多项选择题(共20题)1.组织工作必须遵循的基本原则主要有（ ）原则。A.目标统一B.有效跨度C.人员扩充D.均衡性答案：A、B、D 本题解析：本题考查组织工作必须遵循的基本原则，共九条需要考生熟悉。2.在现代社会中，引发组

45、织变革的外部原因有（ ）。A.重大政治事件B.组织的技术状况C.新的竞争格局D.新技术的运用E.组织的财务状况答案：A、C、D 本题解析：暂无解析3.下列财政支出中，属于积累性支出的是（ ）。A.非生产性基本建设支出B.文教事业费支出C.行政管理费支出D.建立社会后备支出E.工业、交通部门事业费支出答案：A、D 本题解析：暂无解析4.某银行在春节来临之际，特别向老年客户推出了一款“压岁金钞”产品，主要用于老年客户作为新年礼物赠送给自己的晚辈。该银在销售“压岁金钞”产品的过程中运用了消费者市场的( )。 A.人口细分B.心理细分C.地理细分D.行为细分答案：A、B、D 本题解析：A项人口细分指根

46、据各种变量，如年龄性别、家庭人口、家庭生命周期收入、职业、教育、宗教、种族、国籍等，把市场分制成群体。B项心理细分是指按社会阶层、生活方式或个性特征等，把消费者分成不同的群体。处在同- -人口因素群体中的人们可能会有不同的心理构成。C项地理细分要求把市场细分为不同的地理单位，例如国家、地区、州、县、城市或地段。D项行为细分是指按照购买者对产品的了解程度、态度、使用以及反应，把购买者分制成群体。许多营销人员认为行为变量是建立细分市场的最好出发点。5.债权人行使撤销权应具备的要件有（）。A.债务人以不合理的低价转让财产并侵害债权.债权人证明受让人知情的B.债务人有处分财产的行为C.债务人处分财产的

47、行为危害到债权D.债务人处分财产的行为发生在债权成立之后答案：A、B、C、D 本题解析：暂无解析6.一般来说，客户风险偏好可以分为五种类型：保守型、轻度保守型、中立型、轻度进取型和进取型。其中定息资产高于50%的类型有（ ）。A.中立型B.轻度保守型C.轻度进取型D.保守型E.进取型答案：B、D 本题解析：保守型资产组合为：成长型资产占30%以下，定息资产占70%以上。轻度保守型资产组合为：成长型资产占30%-50%，定息资产占50%-70%。中立型资产组合为：成长型资产占50%-70%，定息资产占30%-50%。轻度进取型资产组合为：成长型资产占70%80%，定息资产占20%-30%。进取型

48、资产组合为：成长型资产占80%-100%，定息资产占0%20%。7.根据吉伯的观点，领导的重要特质包括( )。A.良好的调适能力B.自信C.勇于实践D.外向有支配欲答案：A、B、D 本题解析：吉伯认为卓越的领导必须具备以下特质：身强力壮；聪明但不过于聪明；外向有支配欲：有良好的调适能力，自信。8.下列针对组织设计类型的描述，正确的有( )。A.行政层级式组织形式最适宜复杂、静态的环境B.无边界组织形式所寻求的是通过组织扁平化来减少指挥链C.事业部制组织形式容易使各事业部只顾自身的利益.削弱整个公司的协调一致性D.矩阵组织形式很稳定E.职能制结构组织比较适用于中小型的、产品品种比较单一、生产技术

49、发展变化较慢、外部环境比较稳定的企业答案：A、B、C、E 本题解析：本题考查组织设计的类型。矩阵组织形式的优点是灵活，但缺点是不够稳定。所以不选D。9.下列有关中央银行的说法中，正确的为（ ）。A.中央银行的主要任务是制定和实施货币政策B.中央银行是金融中介体系的中心环节C.中央银行是工商企业的银行D.中央银行是政府的银行E.中央银行是居民的银行答案：A、B、D 本题解析：暂无解析10.根据资产需求理论，下列哪几种情况下，投资者会减少对某公司的债券需求()A.该公司债券的交易量扩大因而更容易出售B.投资者预期股市会在未来大幅下跌C.股票的佣金费率下降D.预期市场利率上升E.债券的佣金费率下降答

50、案：C、D 本题解析：股票的佣金费率下降，投资者更倾向于投资股票，减少对债券的需求，故C项正确:预期市场利率上升，则预期债券价格下降，将减少对债券的需求，故D项正确: B选项股市会在未来大幅下跌，会减少投资股票，倾向于购买债券。故B选项错误: E选项债券的佣金费率下降会倾向于投资债券，债券需求增加，故E选项错误。所以答案选CD。11.中国银行的战略目标有（）。A.担当社会责任B.做最好的银行C.服务客户D.回报股东答案：A、B 本题解析：暂无解析12.通过你的了解，企业在中小板上市的条件包括哪些？（ ）A.已经依法建立健全的股东大会、董事会、监事会、独立董事、董事会秘书制度B.资产质量良好，资

51、产负债结构合理，盈利能力较强，现金流量正常C.近5 年内主营业务和董事、高级管理人员没有发生重大变化，实际控制人没有发生变更D.具有完整的业务体系和直接面对市场独立经营的能力答案：A、B、D 本题解析：企业在中小板上市的条件主要有：（l）基础性条件。中小企业板块主要安排主板市场拟发行上市企业中具有较好成长性和较高科技含量的、流通股本规模相对较小的公司，持续经营时间应当在3 年以上，有限责任公司按原账面净资产值折股整体变更为股份有限公司的持续经营时间可以从有限责任公司成立之日起计算。发行人最近3 年内主营业务和董事、高级管理人员没有发生重大变化，实际控制人没有发生变更。（2）独立性条件。发行人应

52、当具有完整的业务体系和直接面对市场独立经营的能力，发行人的资产完整，人员独立，财务独立，机构独立，业务独立。发行人的业务应当独立于控股股东、实际控制人及其控制的其他企业、预控股股东、实际控制人及其控制的其他企业间不得有同业竞争或者显失公平的关联交易。（3）规范运行条件。发行人已经依法建立健全股东大会、董事会、监理会、独立董事会、董事会秘书制度。机关机构和人员能够依法履行职责。发行人的董事、监事和高级管理人员已经了解与股票发行上市有关的法律法规，知悉上市公司及其董事、监事和高级管理人员的法定义务和责任。发行人的董事、监事和高级管理人员符合法律、行政法规和规章的任职资格。（4）财务会计条件。发行人

53、资产质量良好，资产负债结构合理，盈利能力较强，现金流量正常。具体各项财务指标应达到以下要求：最近3 个会计年度净利润均达为正数且累计超过人民币3 000 万元；最近3个会计年度经营活动产生的现金流量净额累计超过人民币5 000 万元；或者最近3 个会计年度营业收入累计超过人民币3 亿元；发行前股本总额不少于人民币3 000 万元；最近一期期末无形资产（扣除土地使用权、水面养殖权和采矿权等后）占净资产的比例不高于20%；最近一期期末不存在来弥补亏损。发行人依法纳税，各项税收优惠符合相关法律法规的规定，经营成果对税收优惠不存在严重依赖。13.复式政府预算一般由（ ）组成。A.经常预算B.资本预算C

54、.基金预算D.零基预算答案：A、B 本题解析：复式政府预算一般由经常预算和资本预算组成。14.2013年9月25日，中国银行广东省分行首发长城环球通多币种借记卡，该卡片具有（）币种账户。A.人民币B.澳门元C.美元D.港元答案：A、B、C 本题解析：2013年9月25日，中国银行广东省分行首发长城环球通多币种借记卡，从而在推进粤港澳金融合作领域率先实现突破。持卡人使用此种多币种卡，能在港澳地区及境外直接使用美元、澳门元等外币账户结算，这在全国尚属首创。该卡片具有人民币、澳门元、美元三个币种账户，客户在境外使用时，若卡内币种与交易币种相同且账户余额充足时，直接从卡内外币账户扣款，规避汇率风险，尤

55、其适合经常往返于澳门与内地、美元国家与中国的商务人士、留学生、外派人员、游客等客户群体使用。15.2008年招行真题据统计，1985年北京市建筑企业共完成总产值472亿元比上年增长315(扣除价格因素的影响，实际增长222)。其中。中央在京施工企业完成82亿元比上年增长28，地方全民所有制施工企业完成241亿元比上年增长244特别是地方集体所有制施工企业发展更快完成总产值149亿元，比上年增长473。全市建筑企业按总产值计算的全员劳动生产率为7743元，比上年提高134(扣除价格因素影响则提高6)。全员平均产值达到万元以上的企业。由上年的20个增加到55个。市建筑工程总公司所属二公司，四公司和

56、设备安装公司，门头沟区建筑公司，市水利工程二处，水利机械施工处等12个企业的全员劳动生产率超过了15000元。北京市建筑工程总公司所属四公司1985年全员劳动生产率为（）A.7743元B.10000元C.接近15000元D.15000元以上答案：D 本题解析：由“市建筑工程总公司所属二公D司、四公司和，水利机械施工处等12个企业的全员劳动生产率超过了15000元”可知北京建筑工程总公司所属四公司1985年全员劳动生产率为15000元以上。16.下列信用形式中，属于直接信用的有（）。A.商业企业对客户赊销商品B.银行对企业发放长期借款C.企业发行债券D.银行对居民发放购房贷款答案：A、C 本题解

57、析：直接信用是指没有中介人参与而由借贷双方直接进行借贷的一种信用方式。17.我国从2005年开始实施稳健的财政政策，其主要内容包括（ ）。A.控制赤字B.增发国债C.调整结构D.推进改革E.增收节支答案：A、C、D、E 本题解析：暂无解析18.多媒体计算机系统必备的基本特性有（ ）。A.多样性B.友好性C.集成性D.交互性答案：A、C、D 本题解析：暂无解析19. 既可用于输入又可用于输出的设备有（）。 A.键盘B.显示器C.光盘D.磁盘答案：C、D 本题解析：暂无解析20.大学生小徐在一所综合性大学就读，每月在外省的父母都会给他汇一笔2000 元的生活费，小徐每个月都会在某知名电商网站购买一些生活用品，小徐还没有在建设银行办理过任何业务，现假设一名建设银行工作人员去营销小徐，根据你对建设银行产品的了解，你认为工作人员最可能为小徐推荐下列哪些产品？（ ）A.借记卡B.个人账户贵金属C.个人网上银