[安徽]马鞍山农商银行招聘绿色金融专业人才上岸历年高频考点试题库答案详解

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1、安徽马鞍山农商银行招聘绿色金融专业人才上岸历年高频考点试题库答案详解（图片大小可自由调整）第一套一.单项选择题(共50题)1.下列选项中，属于国家赔偿范围的是( )A.税务机关违法征税B.税务机关工作人员殴打他人C.王某因自己冒充违法人员自首而被行政拘留D.不可抗力答案：A 本题解析：国家不承担赔偿责任的情形包括：（1)行政机关工作人员与行使职权无关的个人行为(2)因公民、法人和其他组织自己的行为致使损害发生的；（3)第三人致害K4)只赔偿直接损失，间接损失不赔偿(5)法律规定的其他情形，如不可抗力致害等。B是个人行为，C是公民、法人和其他组织自己的行为致使损害发生的,D是不可抗力，所以B、C

2、、D都不扃于国家赔偿范围。2.反映政府干预经济程度的指标是（）。A.财政收入征管效率B.财政支出绩效水平C.中央财政支出占全国财政支出的比重D.政府支出占国内生产总值的比重答案：D 本题解析：暂无解析3.A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：如果某一年货物出口额与上一年相比增长超过30，那么上一年的出口额乘以l3应该小于当年的出口额，由此容易得到，只有2010年的同比增长超过30，因此选择A。4.某些媒分子通过使环绕肺气管的骨肉细胞收缩来抵御有毒气体对肺部的损害这使得肺部部分封闭起来。当这些媒分子被不必要的激活时，对某些无害的像花粉或家庭粉尘做出反应就出现了哮喘病。有一项

3、计划是开发一种药物通过阻碍接受由上文所说的媒分子发出的信息来防止哮喘病的发生。以下哪一项，如果是正确的，将指出这项计划的最严重的缺陷?（）2008年招行真题A.研究人员仍不知身体是如何产生这种引发哮喘病的媒分子的B.研究人员仍不知是什么使一个人的媒分子比其他人的更容易激活C.很多年内无法获得这样的药物.因为开发和生产这种药物都需要很长的时间D.这样的药物无法区分由花粉和家庭粉尘引发的信息与由有毒气体引发的信息E.这样的药物只能是预防性的.一旦得上哮喘.它无法减轻哮喘的程度答案：D 本题解析：这项计划通过阻碍媒分子发出信息，则对必要的激活也进行了阻碍，因此会影响对有毒气体的信息接收。D项正确指出

4、了这一重大缺陷。5.根据以下内容，回答202-206题。The Daily InquirerOctober 8Book Review of Anne NarazakisNew Century, New BusinessReviewed by John GilliamAnne Narazakis recent book, New Century, New Business, seeks to examine the new tech-nologies that are critical for global business and how they affect todays corporat

5、e transactions. Ms.Narazaki argues that while economic transactions of one kind or another have taken place for thou-sands of years, the impact of changing technology on business has become obvious only recently. Infact, as new technologies have grown more prevalent, Ms. Narazaki observes, internati

6、onal busi-nesses have increased in size and number. At the same time, the time required to conduct eachbusiness transaction has decreased.Mr. Narazaki illustrates her observations with detailed examples of recent business transac-tions. Citing the merger of Poynter Technologies and Carce Company, wh

7、ich created the largest fi-nancial services company in the world, Ms. Narazaki explains the effect technology has on the val-uation of a company, on communication between the managements of different companies, and onstock and funds trading.Those of us who take an interest in the interaction between

8、 business and technology will findMs. Narazakis ideas persuasive. The view that business cannot survive without keeping up withnew technology has become todays corporate reality.In the article, the word critical in paragraph 1 is closest in meaning to （）。A.growingB.sensitiveC.disapprovingD.important

9、答案：D 本题解析：“critical”一词出现在“examine the new technologies that are critical for global business”这句话中，结合整句加以理解，是说：新的科技技术对全球商业的重要性。所以，该题的正确答案应为D。6.2019年4月8日电，财政部、中国人民银行4月推出储蓄国债( ) 试点，将储蓄国债发行时间由原来的10天延长至全月。A.随到随买B.记账式购买C.电子式购买D.凭证式购买答案：A 本题解析：4月8日据财政部网站消息，财政部、中国人民银行4月推出储蓄国债“随到随买”试点，将储蓄国债发行时间由原来的10天延长至全月。7

10、.Comco, Inc. became the leading supplier of computer _last year, less than ten years after it was founded.A.amountsB.typesC.kindsD.parts答案：D 本题解析：本题考查名词辨析。此处句意为“康可公司去年成为计算机零部件的主要供应商，这距它成立不到十年”，故选择parts。其他选项的词义不符合句意。8.What does Consumer Quarterly hope the report will do?A.Increase state funding for a

11、ll facilitiesB.Encourage low-ranking facilities to improveC.Increase awareness of the facilities that existD.Encourage more nurses to apply for jobs in the facilities答案：B 本题解析：暂无解析9.The conference will not begin until every one of students parents_.A.have been onB.got hereC.has showed upD.come答案：C 本

12、题解析：考查主谓一致和时态。根据后面的every one of可以判断谓语动词要用第三人称单数，排除A 和D。根据句意，这里是说家长到了会议才开始，强调动作的完成，要用完成时，故选C。10.下列各句中。有语病的一句是（）。A.近几年的调查数据显示，随着育儿方式和儿童膳食结构的改变。儿童肥胖症发生率正在逐渐增加。B.要提高人均资源，不能靠减少人口，而只能依靠科技创新.依靠高效的行政和法治下的市场对资源的合理配置C.抑郁症的发生和生物、社会、心理三个方面都有关系，工作紧张、压力增大等社会因素是越来越多的现代人被抑郁困扰。D.目前我市确有个别学校出现了聚集性的流感样病例，疾控中心对此正在做进一步的病

13、原调查核实.已指导校方采取了有效措施。答案：C 本题解析：C项成分残缺，后半-0的谓语动词“是”缺少宾语，可在“困扰”后加“的主要因素”。11.唱歌时，声带和声门所处的状态是（ ）。A.声带拉紧，声门扩大B.声带放松，声门缩小C.声带拉紧，声门缩小D.声带放松，声门扩大答案：B 本题解析：声带拉紧时发不出声音或者只能发出很憋的声音，是不可能用于唱歌的， 正确的歌唱方法就应该保持声带放松，声门缩小。所以B项正确。12.Consumers are being confused and misled by the hodge-podge of environmental claims made by

14、 household products, according to a green labeling study published by Consumers International Friday.Among the reports more outrageous findings-a German fertilizer described itself as earthworm friendly a brand of flour said it was non-polluting and a British toilet paper claimed to be environmental

15、ly friendlier.The study was written and researched by Britains National Consumer Council (NCC) for lobby group Consumer International. It was funded by the German and Dutch governments and the European Commission.While many good and useful claims are being made, it is clear there is a long way to go

16、 in ensuring shoppers are adequately informed about the environmental impact of products they buy. said Consumers International director Anna Fielder.The lO-country study surveyed product packaging in Britain, Western Europe, Scandinavia and the United States. It found that products sold in Germany

17、and the United Kingdom made the most environmental claims on average.The report focused on claims made by specific products, such as detergent insect sprays and by some garden products. It did not test the claims, but compared them to labeling guidelines set by the International Standards Organizati

18、on (ISO) in September,1999.Researchers documented claims of environmental friendliness made by about 2,000 products and found many too vague or too misleading to meet ISO standards.Many products had specially-designed labels to make them seem environmentally friendly, but in fact many of these symbo

19、ls mean nothing. said report researcher Philip Page.Laundry detergents made the most number of claims with 158. Household cleaners were second with 145 separate claims, while paints were third on our list with 73. The high numbers show how very confusing it must be for consumers to sort the true fro

20、m the misleading. he said.The ISO labeling standards ban vague or misleading claims on product packaging, because terms such as environmentally friendly and non-polluting can not be verified. What we are now pushing for is to have multinational corporations meet the standards set by the ISO. said Pa

21、ge.According to the passage, the NCC found it outrageous that_.A.all the products surveyed claim to meet ISO standardsB.the claims made by products are often unclear or deceivingC.consumers would believe many of the manufactures claimD.few products actually prove to be environment friendly答案：B 本题解析：

22、此题暂无解析第一段开头所说“Consumers are being confused and misled by”具有总领句的性质，这句话恰好概括出了三个例子的本质问题：一是令消费者困惑(confused)，二是误导消费者(misled)。这两点和B所说的unclear和deceivin9恰好一一对应。13.银行业从业人员不得因同事的（）、肤色、性别，而对其进行任何形式的侵害。A.种族B.学历C.职位D.工资答案：A 本题解析：银行业从业人员应当尊重同事，不得因同事的国籍、肤色、民族、性别、年龄、宗教信仰、婚姻状况、身体健康或残障而进行任何形式的骚扰和侵害。故A选项正确。14. 殖民者的离去。

23、并不意味着殖民主义销声匿迹。而更有可能的是，它_，一方面深植于后继的本土执政者脑海中，另一方面却又结合现代化、全球化等时髦字眼卷土重来更具_性和杀伤力。 填人划横线部分最恰当的是（）。A.薪尽火传 隐蔽B.与时俱进 迷惑C.借尸还魂 欺骗D.阴魂不散 破坏答案：C 本题解析：第一空中，“薪尽火传”与“与时俱进”均含褒义，不适合修饰殖民主义，排除A、B。第二空中，“破坏性”与后文的“杀伤力”意思相近，未能表现出殖民主义“结合现代化、全球化等时髦字眼卷土重来”的特性排除D。本题答案为C。15.左边给定的是纸盒的外表面，下面哪一项不能由它折叠而成?（）A.见图AB.见图BC.见图CD.见图D答案：D

24、 本题解析：A、B、C均可由左边图形折出，D项，假设正面和右侧面方位正确，则顶面应为含横向两条直线的面。故D不能由左边图形折叠而成，答案为D。16.A.见图AB.见图BC.见图CD.见图D答案：B 本题解析：本题是样式中的遍历规律。每列图形的外框均有三角形、圆形、方形三种，内部线条均有“”、“|”、“”、“/”四个线条，问号处只缺少“”、“/”两条线，所以答案选择B选项。17.超限效应，是指当人们所接受的刺激过多、过强或者作用时间过久时，引起的心理极不耐烦或逆反的心理现象。根据上述定义，下列不符合超限效应的是A.小林因为妈妈经常唠叨，他决定毕业后到外地找工作B.王老师因为儿子意外身亡，上课时无

25、法集中注意力C.小方因学习成绩不好，多次受到老师的批评，后来她就放弃了学业D.小华连续加班一周，感到非常疲惫，因琐事与家人大吵答案：B 本题解析：本题对定义中状语和定语的考察。定义给出的是“刺激过多、强或长时间，引起不耐烦或逆反”。A选项经常唠叨和去外地是刺激过多时间久导致了不耐烦符合定义，C选项多次批评和放弃学业是刺激多引起了逆反符合定义。D选项连续加班和疲惫大吵是刺激时间久引起了不耐烦符合定义。B选项丧子的刺激是过强，但没有产生不耐烦和逆反心理而是精力不集中。因此，本题答案为B选项。18.Most shareholders still fail ( ) both the immediate

26、 impacts and future implications of corporatemergers and takeover bids.A.understoodB.understandingC.to understandD.have understood答案：C 本题解析：暂无解析19.下列关于公共物品或服务的提供及受益范围的表述中，错误的是( )。A.纯公共物品和服务并非肯定是全国的B.地方性公共物品和服务须由地方政府负责提供C.全国性公共物品和服务须由中央政府负责提供D.由中央政府提供的就是全国性公共物品和服务答案：D 本题解析：反例：中央政府参与的灾后基础设施建设，就为地方性公共物

27、品。20._ alone in the dark room, the little girl was so frightened as to cry loudly.A.LeavingB.LeftC.Having leftD.To be left答案：B 本题解析：在一些状语从句中，如果谓语动词是be，主语又和主句的主语一致，或者主语为it，常常可以把从句中的主语和be省略掉。在本题中，根据 主句可知从句中的动词和从句中的主语是被动关系，且从句动词应该用一般过去时，因此从句是 the little girl was left in the darkroom的省略形式，省略掉主语和be，则从句是

28、left alone in the dark room，故选B。21.在古典货币数量中，费雪交易方程式所反映的理论观点是（）。A.物价水平决定货币量B.货币量决定物价水平C.资本的供给状况决定货币量D.自然资源的供给状况决定货币量答案：B 本题解析：费雪交易方程式反映的是货币量决定物价水平的理论。假定其他因素不变物价水平与货币量成正比。22.What is NOT mentioned as a part of the chocolate production process in Valbonne?A.Cocoa beans are groundB.Chocolate is packagedC

29、.Chocolate is pressedD.Cocoa beans are roasted答案：B 本题解析：从第二封邮件细节中可以找出来。23.俄国的两位大作家，都情不自禁地对莎士比亚发表了自己的看法。屠格涅夫借批评哈姆雷特，对莎剧_，他的态度倒还像个绅士，总的来说还算温和。托尔斯泰就比较厉害，他对莎士比亚进行了最猛烈的攻击，口诛笔伐，几乎把伟大的莎士比亚说得_。填入横线部分最恰当的一项是（ ）。A.不屑一顾 一无是处B.颇有微词 一无是处C.心怀不敬 体无完肤D.嗤之以鼻 一塌糊涂答案：B 本题解析：颇有微词：对某人或某事不很满意，有不少隐瞒地批评。这正是屠格涅夫 对莎士比亚的态度。而托

30、尔斯泰则态度非常鲜明地对莎士比亚进行抨击，认为其一无是处，即 一点对的地方也没有。24.2-3+4-5+6-7+8-9+.+2864-2865+ 2866= ( )A.1334B.1433C.1434D.1444答案：C 本题解析：原式= (2+.+2866) -( 3+5+.+2865) =1433* (2+2866) /2-1432*(3+ 2865)*2=1434.25.What are members of the fitness center asked not to do?A.Bring guests who are under eighteen years oldB.Leave

31、classes earlyC.Use equipment for which they have not signed upD.Bring bags to classes答案：D 本题解析：“Reminders”下面第四条指出，包应该放在贮藏室，以便为学员们留出更多的空间。26.There are two factors which determine an individuals intelligence. The first is the sort of brain he is born with. Human brains differ considerably, some being

32、more capable than others. But no matter how good a brain he has to begin with, an individual will have a low order of intelligence unless he has opportunities to learn. So the second factor is what happens to the individualthe sort of environment in which he is reareD. If an individual is handicappe

33、d envionmentally ,it is likely that his brain will fail to develop and he will never attain the level of intelligence of which he is capable.The importance of environment in determining an individuals intellingence can be demonstrated by the case history of the identical twins, Peter and Mark X. Bei

34、ng identical, the twins had identical brains at birth, and their growth processes were the same. When the twins were three months old , their parents died, and they were placed in separate foster homes. Peter was reated by parents of low intelligence in an isolatedcommunity with poor educational poo

35、prtunities.Mark was reared inthe home of well-to-do parents who had been to college. He was read to as a child , sent to good schools, and given every opportunity to be stimulated intellectually.This enviromental difference continued until the twins were in their late teens, when they were giben tes

36、ets to measure their intelligence. Marks I.Q. was 125, twenty-five points higher than the average and fully forty points higher than his identical brother. Given equal opportunities , the twins , having identical brains,would have tested at roughly the same level.The beststatement of the main idea o

37、f this passage is that _C_.A.human brains differ considerablyB.the brain a person is born with is improtant in determining his intelligenceC.environment is crucial in determining a persons intelligenceD.persons having identical brains will have roughly the same intelligence答案：C 本题解析：暂无解析27.近年来的“文化相对

38、主义”承认每一种文化都会产生自己的价值体系，人们的信仰和行为准则来自特定的社会环境，任何一种行为，如信仰、风俗等等都只能用它本身所从属的价值体系来评价，不可能有一种一切社会都承认的绝对的价值标准，更不能以自己群体的价值标准来评价别的民族的文化。但是，文化相对主义貌似公允，却有其自身的矛盾和弱点。因为它极有可能导致只看到本民族文化优势而忽视其可能存在的缺失，导致反对文化间的交往而极力维护本民族文化的纯洁性，由此仍可能重新回归文化孤立主义。下列关于这段话的理解，正确的一项是（ ）A.文化相对主义本质上是一种文化孤立主义B.文化相对主义表达了一种正确的文化价值观C.文化相对主义者相信存在着一种普遍的

39、文化价值D.文化相对主义者反对以自己群体的价值标准来评价别的民族的文化答案：D 本题解析：由“仍可能重新回归文化孤立主义”可知，文化相对主义本质上是一种文化孤立主义这一说法过于绝对。因此，A项理解不正确。由“但是，文化相对主义貌似公允”可知B项理解错误。由“人们的信仰和行为准则来自特定的社会环境不可能有一种一切社会都承认的绝对的价值标准，更不能以自己群体的价值标准来评价别的民族的文化”可知，C项错误，D项正确。28.从1 层走到4 层走楼梯用了3 分钟。以同样的速度继续走楼梯，到达12 层还需要（ ）分钟。A.4.5B.7C.8D.6答案：C 本题解析：1 层到4 层实际走楼梯三层，用时3 分

40、钟。同理1-12 层，走楼梯11 层，总共用时11 分钟，所求为11-3=8（分钟）。29.For the past 3, 000 years, when pcople thought of money they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved creased paper or clinking bits of metal.Over the past decade，however ，digital payments have taken off- tappi

41、ng your plastic on a terminal or swiping a smartphone has become normal. Now this revolution is about to turn eash into an endangered specics in some rich cconomics. That will make the cconomy more efieicnt - -but it also poscs new problems that could hold the transition hostage.Countries are elimin

42、ating ceash at varying speeds. But the direction of travel is clear, and in some cases the joumey is nearly complete. In Sweden the number of retail cash transactions per person has fallen by 80% in the past ten years. Cash accounts for just 6% of purchases by value in Norway. Britain is probably fo

43、ur or six years behind the Nordic countries. America is perhaps a deeade behind. Outside the rich world, cash is still king. But even there its dominance is being croded. In China digital payments rose from 4% of all payments in 2012 to 34% in 2017.Cash is dying out beause of two forees. One is dema

44、nd- younger consumers want payment systems that plug scamlessly into their digital lives. But equally important is that supplirs such as banks and tech firms (in developed markets) and telccoms companics (in emerging oncs) are developing fast, easy-to-use payment technologics from which they can pul

45、l data and pocket fees.There is a high cost to running the infrastructure behind the cash economy- ATMs， vans carrying notes, tellers who acept coins. Most financial firms are keen to abandonit, or deter old-fashioned customers with hefly fees.In the main，the prospect of a cashless economy is excell

46、ent news. Cash is inefficient. In rich countries, minting， sorting， storing and distributing it is cstimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments dematerialize, people and shops are less vulnerable to theft. Govermments can keep closer tabs on fraud

47、or tax evasion.Digitalisation vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.Yet set against these benefts are a bundle of worries. Eleotronic payment systems may be vulnerab

48、le to technical failures power blackouts and cyber- atacks- this weck Capital One，an American bank, became the latest fim to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let g

49、ovemments snoop on peoples shopping habits and private titans exploit their personal data.These problems have three remedies. First, govermments need to ensure that central banks monopoly over coins and notes is not replaced by private monopolies over digital money. Rather than ltting a few credil-c

50、ard firms have a stranglehold on the eleetronic pipes for digital payments, as America may yet allow; gov emments must ensure the payments plumbing is open to a range of digital firms which can build services on top of it. They should urge banks to offer cheap,instant，bank-to-bank digital transfers

51、between deposit accounts ，as in Sweden and the Netherlands. Competition should keep priccs low so that the poor can afford most services, and it should also mean that if one firm stumbles others can step in,. making the system resilient. Sccond, govemments should maintain banks obligation to keep cu

52、stomcr information private, so that the plumbing remains anonymous. Digital firms that use this plumbing to offer services should be free to monetise transaction data, through, for example, advertising， so long as their business model is made explicit to uscrs. Some customers will favour free servic

53、es that track their purchases; others will want to pay to be left alonc.Last, the phasc-out of cash should be gradual. For a period of ten years, banks should be obliged to accept and distribute cash in populated areas. This will buy govermments time to help the poor open bank accounts, educate the

54、elderly and beef up internet access in rural areas. The rush towards digital money is the result of spontaneous demand and innovation. To pocket all the rewards, govemments need to prepare for the day when erumpled bank noles change hands for the last time.Which of the following is NOT one of the ad

55、vantages of cashless economy based on the article?( )A.Govemments can keep closer tabs on fraud or tax evasion,B.Cashless economy vastly expands the play ground of small bus inesses and sole traders byenabling them to sell beyond their bordersC.When payments dematerialise people and shops are less v

56、ulncrable to thef,D.Countries are hiring more tellers to aecepl coins for them答案：D 本题解析：细节理解题。由第四段中“当支付电子化时，人们和商店就不那么容易被盗。政府可以对欺诈和逃税进行更密切的监控。数字化使小型企业和个体贸易商能够在海外销售产品，从而极大地拓展了经营范围”可知A. B、C项均正确，D项表述错误，所以答案选D。30.What if there had been a way to avoid this trade war well before it started, a strategy that

57、the conditions that led to the trade war before they became problematic.A.would addressB.had addressedC.would have addressedD.addressed答案：B 本题解析：本题考查动词的时态。根据题千已有的谓语动词there had beenaway可看出a way就是指的a strategy,空白处的动词与主句there had beenaway属于同一时间，所以空白处也需用过去完成时。第二种方法，从第二个分句的语义着手。本题千意为:要是我们能在贸易战开始之前，找到一种能有效

58、避免贸易战的策略，使该策略，在引发贸易战的条件变成熟之前，就解决它们。第二分句是指:该项策略要能在they became problematic之前，就解决这些条件。所以，发生在一般过去时之前，即为过去完成时。综合所述，本题选B。31.思想从来都是个人的思想，一个思想家决不能去控制、操纵其他人的灵魂，每一个人生来都是平等独立的。因此，思想家的使命，只在于表述以他自己的眼光、角度对世界的认识和解释，而不在于改造世界，改造世界是一切人共同的事。对这段文字，表述正确的一项是（）A.思想家都有局限性B.思想家都是个人主义者C.思想家只能传达自己的思想D.思想家对世界不会产生影响答案：C 本题解析：从“

59、思想家的使命只在于表述自己的眼光、角度对世界的认识和理解”即可判断出C项正确。32.学历培训机构的乱象丛生，而且屡屡被考试投诉，也没少被媒体曝光，但是，学历培训机构依然很_，仿佛是一匹脱缰的烈马，肆意侵害考生权益。那么，如何规范学历教育、_培训中存在的这些乱象呢？说到底，这还是因监管乏力造成的。A.猖狂遏止B.无序治理C.放肆遏制D.混乱防止答案：A 本题解析：根据“仿佛是一匹脱缰的烈马，肆意侵害考生权益”是对第一空的解释说明可知，该空所填之词应与解释性句子意思相近，有“狂妄、放肆、不受约束”之意。“猖狂”和“放肆”符合语境，“无序”和“混乱”都无“放肆、狂妄”之意，排除B项和D项。第二空根据顿号表并列可知，该空应填入与“规范”意思相近的词，“规范”指使合乎模式，是使培训中的乱象不再出现。“遏止”强调使停止，“遏制”强调控制，因此第二空应填入语义更重的“遏止”。因此，选择A选项。33.所有的生物体都