汇丰银行（中国）有限公司广州分行招聘[1214]历年高频考点试题库答案解析

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1、汇丰银行（中国）有限公司广州分行招聘12/14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.Ive loved my mothers desk since I was just tall enough to see above the top of it as mother sat writing letters. Standing by her chair, looking at the ink bottle, pens, and white paper, I decided that the act of writing must be the mor

2、e wonderful thing in the world. Years later, during her final illness, mother kept different things for my sister and brother.But the desk, shed said again, its for Elizaheth.I never saw her angry, never saw her cry. I knew she loved me; she showed it in acdou. But as a young girl, I wanted heart-to

3、-heart talks between mother and daughter. They never happened.And a gulf opened between us. I was too emotional. But she lived on the surface.As years passed I had my own family. I loved my mother and thanked her for our happy family. I wrote to her in careful words and asked her to let me know in a

4、ny way she ebose that she did forgive me. I posted the letter and waited for her answer. None came. My hope turned to disappointment, then little interest and, finally, peace-it seemed that nothing happened. I couldnt be sure that the letter had even got to mother. I only knew that I had written it,

5、 and l could stop trying to make her into someone she was not.Now the present of her desk told, as shed never been able to, that she was pleased that writing was my chosen work. I cleaned the desk carefully and found some papers inside-a photo of my father and a one-page letter, folded and refolded

6、many times. Give me an answer, my letter asks, in any way you choose. Mother, you always chose the act that speaks louder than words.What did mother do with her daughters letter asking forgiveness?A.She had never received the letterB.For years, she often talked about the letterC.She didnt forgive he

7、r daughter at all in all her lifeD.She read the letter again and again till she died答案：D 本题解析：根据最后一段“a photo of my father and a onPage letter，foldedand refoldedmanytimes”可知应选D。2.改革开放三十多年以来，广东经济发展连上新台阶，综合实力不断实现大跨越。19792012年，世界经济年均增长速度为28，中国增速为98，广东增速则达l33。持续较快的经济增速推动广东经济总量不断跃上新台阶。自1989年开始，广东GDP总量(国内生

8、产总值)在全国一直保持首位，到2012年已连续24年居全国第一，占全国经济总量比重在1/10至1/8之间。2012年，民营经济达2931997亿元，占GDP比重为514；民营经济上缴税金646782亿元占全省税收总额的491；民间投资l017728亿元，占全部固定资产投资的527，民营经济已成为支撑广东经济内生增长的主力。2012年，广东铁路营业里程达到2577公里，比l978年增长16倍；公路通车里程l95万公里，增长27倍；民用航线里程l851万公里，增长881倍；管道输油(气)里程6448O1公里，增长827倍；沿海港口货物吞吐量1408亿吨，增长495倍。改革开放之初尚无的高速公路在2

9、011年实现通车里程5049公里，首次突破5000大关2012年迸一步提高到5524公里。2012年，广东城镇居民人均消费性支出2239635元，比1978年增长550倍；农村居民人均生活消费支出745856元比1978年增长393倍。2012年，广东城镇居民人均住宅建筑面积344平方米比1978年增加273平方米；农村居民人均生活住房面积3167平方米，比1978年增加229平方米。广东高速公路在2012年实现通车里程比2011年增长约( )。A.9.4B.109.4C.270D.370答案：A 本题解析：由第三段最后一句可知，所求为符合韵只有A。3.实验室使用浓度为2%的盐水和蒸馏水，配制

10、浓度为1%的淡盐水。现在有1000克蒸馏水和500克浓度为2%的盐水，则最多可配制（）克浓度为1%的淡盐水。A.500B.1000C.1500D.2000答案：B 本题解析：最多可以配制浓度为1%淡盐水：5002%1%=1000（克）。B选项正确，A、C、D选项错误。故本题正确答案选B。4.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，

11、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。5.A growing number of countries want to phase out coal entirely, a transition eased by cheap natural

12、gas and cost of wind and solar power. That is good news. Coal has been the largest engine of change to date, accounting for nearly a third of the rise in average temperatures since the Industrial Revolution. Any pressure on it therefore counts as progress.Asia accounts for 75% of the worlds coal dem

13、and. The Chinese goverment has taken steps to limit pollution and support renewables. Yet coal consumption there rose in 2018, as it did the year before. In India coal demand grew by 9% last year. In Vietnam it swelld by altmost a quarter.To keep the rise in global temperatures to no more than 1.59C

14、 relative to pre-industrial times, climatologists insist that almost all coal plants must shut by 2050, which mcans starting to act now.Todays trends would keep the last coal plant open until 2079, cstimates UBS, a bank. Asias coal-fired power regiment has a sprightly avcrage age of 15, compared wit

15、h a creaky 40 years in America, close to retirement.There are several reasons for this, but one stand out govemment I support. In India state-owned companies invest more than $6bn in coal mining and coal-fired power each year,statebacked banks provide some $10.6bn in financing. Indoncsia doles out m

16、ore than S2bn annually for consumption of coalfired power. Japan and South Korca finance coal projccts outside their borders.Govermment support is hardly surprising. State-backed coal firms make money and create jobs. W ind turbines and solar panels provide power only intermittently; for now, dirtie

17、r power plants are needed as back up. Gas is pumelling coal in America, but remains a bit-player in India and much of South-East Asia, since it has to be imported and is relatively expensive.Neverheless, govermments betting on coal face three big risks. One is environmental.Emissions from coal plant

18、s that are already built- -let alone new ones- will ensure that the world exceeds the level of carbon-dioside emissions likely to push global temperatures up by more tham 1.5%C.There is an cconomio risk, too. Public-sector zeal for coal is matched only by private-sector distaste. Banks, including As

19、ian ones, have increasingly said they will stop funding new coal plants. Wind and solar farms make coal look increasingly expensive. A study has found that private banks provided thre-quarters of loans to Indian renewables projects last year, state-backed banks doled out two-thirds of those for coal

20、.And then there is politics. Voters do not like breathing soot. More of them are concemed about elimnate change, too, as they face unpredictable growing seasons, foods and droughts.Govemment supporing coal may face three risks except ()A.Cultural risksB.Environmental risksC.Economic risksD.Risks of

21、politics答案：A 本题解析：由第五段第一句话“Nevertheless, goverments betting on coal face three big risks. One is environmental.可知B项正确。由第六段第一句“There is an economie risk, too.可知C项正确。由第七段第一句“And then there is politics.”可知D项正确。故只有A选项不符合，所以答案选A。6.Consumers appreciate that Reston Home Appliances offers a five-year full w

22、arranty on this particular_.A.productB.productivityC.produceD.production答案：A 本题解析：表示家电产品之类的工业产品时用意为产品。7.A.见图AB.见图BC.见图CD.见图D答案：C 本题解析：第一组图形中各个符号由一笔画成，第二组图形中各个符号由两笔画成。8.环保用微生物菌剂是由一种或多种微生物组合或混合培养制成的产品，通过它们的生长代谢将污染物降解，以达到净化效果。根据该定义，下列不属于环保用微生物菌剂应用的是（ ）。A.光合细菌和芽孢杆菌等，可将恶臭气体硫化氢转化成自身生长所需要的硫元素B.用微生物菌剂吸附寒流河流

23、中的重金属离子C.乳酸菌抑制环境中大肠杆菌等的生长，减少氨气等臭味的产生D.利用微生物制造疫苗答案：B 本题解析：定义要点：微生物，生长代谢将污染物降解。选项B 无法体现使污染物降解得到净化效果这一目的。9.YANGON-Myanmar has officially accepted an offer of the United States to send humanitarian aid to the countrys cyclone victims, state radio reported Friday in a night broadcast. Myanmar Deputy Fore

24、ign Minister Kyaw Thu gave the assurance Friday, saying that the country is receiving such relief aid from any country without limit at this time according to its policy of dealing with the disaster, the report said.Kyaw Thu denied rumors about Myanmars turning down of such relief materials from Wes

25、tern countries but accept those from nations in good relations with Myanmar, saying that the country has never done so in this case.Kyaw Thu said that well wishers abroad may make cash donation through Myanmar embassies stationed there, while those who like to donate relief goods may present at the

26、Yangon International Airport and seaports.According to the report, the US relief aid would arrive in Yangon in days.A foreign ministrys statement said earlier on Friday that at this moment, the international community can best help the victims by donating emergency provisions such as medical supplie

27、s, food, cloth, electricity generator, and materials for emergency shelter or with financial assistance, adding that Myanmar will wholeheartedly welcome such course of action.The government and the people of Myanmar are grateful to the friendly nations, the United Nations, international organization

28、s, non-governmental organizations, private individuals and others for their sympathy and generosity. it said.We Chinese may denote money to help the countrys cyclone victims through_.A.Myanmar embassies in BeijingB.the Yangon International AirportC.the United NationsD.the Yangon International seapor

29、ts答案：A 本题解析：细节理解题。本题可以从第三段首句“Kyawthu said that well wishers abroad maymake cash donation through Myanmar embassies stationed there”确定本答案。10.Questions refer to the following letter. From： Keith Rogers To Emily Rhodes Subject： Shipping Conference Date： August 11 Dear Ms. Rhodes， I am emailing to updat

30、e you on the preparations for the 4th Annual Shipping Conference that your organization asked me to handle1the arrangements are in order， including speaker and guest invitations， event marketing， and media publicity. Although the planning is nearly complete， there is one issue that concerns me That

31、is the venue for the event. You previously indicated a strong preference for holding the event at the Spencer Hotel in Wyford Unfortunately， the west wing of the hotel is currently being renovated Im worried that there may not be2space in the hotel to accommodate all of the outoftown attendees. Acco

32、rdingly， I think it would be best to consider alternative venues for the event. I would be happy3the options and present you with a list of possibilities. I hope this solution is acceptable to you. Kind regards， Keith Rogers Director， Bright Conferences2（）A.adequateB.permissiveC.variableD.accurate答案

33、：A 本题解析：表示“足够的空间”，用adequate。adequate充足的；适当的。permissive纵容的；宽容的。variable易变的。11.把下面的六个图形分为两类，使每一类图形都有各自的共同特征或规律，分类正确的一项是（）A.见图AB.见图BC.见图CD.见图D答案：C 本题解析：本題考査位置关系。中，两个白色方块是相对的，中，两个白色方块是相邻的。故正确答案为C。12.临近下班时，一位女士气呼呼的冲进咖啡店，要求见经历。你赶忙上千了解情况，原来事情是这样的：咖啡店一直为一家工艺品厂商代售工艺品，这位女士上午在店里买了一件工艺品作为礼物送给她的儿子，没想到她儿子刚玩了一会，就被

34、工艺品底座上露出的金属划伤了手背。这位女士觉得，因咖啡店售卖的产品质量存在安全隐患，给客人造成了人身伤害，要求高价赔偿。听完事情的经过，你回忆了消费者权益保护法的相关内容，认为这件事情应该如何处理?(请选择正确的一项)A.告知这位女士应向工艺品厂商谋求赔偿B.咖啡店先赔偿这位女士，然后再向工艺品厂商追赔C.咖啡店先向工艺品厂商追赔之后，再赔偿这位女士D.由工艺品厂商和咖啡店协商之后共同赔偿答案：B 本题解析：B。咖啡店先赔偿这位女士，然后再向工艺品厂商追赔。13. 债券评级是债券评级机构对债券发行公司的( )评定的等级。 A.信用B.利率风险C.通货膨胀风险D.价格风险答案：A 本题解析：债券

35、评级是债券评级机构对债券发行公司的信用评定的等级。14.Throughout the year, Carlin Industries_ employment preparedness sessions for young adults who will be entering the workforce.A.holdsB.waitsC.closesD.meets答案：A 本题解析：暂无解析15.甲、乙两个车间生产同一种仪器，甲车间生产的仪器数量每个月保持不变，乙车间生产的仪器数量每个月增加一倍。已知一月份甲、乙两个车间生产的仪器总数是98件，二月份甲、乙两个车间生产的仪器总数是106件。那么乙

36、车间生产的仪器数量第一次超过甲车间生产的仪器数量是在（）。A.3月B.4月C.5月D.7月答案：C 本题解析： 因为甲车间每个月的产量保持不变，所以乙车间一月份产量为106-98=8台，甲车间一月份产量为98-8=90台。乙车间的产量是首项为8、公比为2的等比数列。设n月份乙车间产量第一次超过甲车间产量，列不等式组82n-190，82n-290，解得n=5。 16.中国银行获得欧洲货币颁发的（）奖项，彰显了中国银行在直接融资市场的卓越实力A.中国最佳股票承销商B.中国最佳银行C.中国最佳国债承销商D.世界最佳债券承销商答案：C 本题解析：暂无解析17.古希腊哲学家曾经说过，世上最美好的事物是言

37、论自由。谁能自由如风，谁就能风行天下；自由地做喜欢的事，喜欢的事才有价值。关在笼子里的鸟，最大的梦想是飞翔；带着枷锁的人，最高的期待是挣脱。思想自由是最高的人格独立，国家梦和个人梦有一个共同前提：自由的社会、自由的人。文段意在说明的是( )。A.自由是梦想之基B.不自由，毋宁死C.自由为人格之本D.做自由的社会人答案：A 本题解析：文段最后一句为中心句，即国家梦和个人梦实现的前提是自由的社会自由的人。A项表述与此相近，当选。8项，无中生有。C、D项均未点明文段的主旨。18. 2010年6月18日，某股份有限公司依股东大会决议收购了本公司部分股份用于奖励公司职工。该公司现有已发行股份总额8000

38、万股。下列关于该公司收购本公司部分股份奖励职工的表述中，符合我国公司法规定的是( ) A.公司可以收购的本公司股份不得超过800万股B.公司用于收购本公司股份的资金可以从公司的税前利润中支出C.公司可以收购的本公司股份不得超过400万股D.公司收购的本公司股份应在2012年6月18日之前转让给职工答案：C 本题解析：公司法第143条第1款规定：“公司不得收购本公司股份，但是，有下列情形之一的除外：(三)将股份奖励给本公司职工。”第143条第3款规定：“公司依照第一款第(三)项规定收购本公司股份，不得超过本公司已发行股份总额的5%;用于收购的资金应当从公司的税后利润中支出;所购股份应当在一年内转

39、让给工。”80005%=400万，故C对A错，B和D的表述也错误。故本题答案选C。19.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（）。A.见图AB.见图BC.见图CD.见图D答案：B 本题解析：第一组三个图形中黑点个数依次是2、4、6，白圈个数依次是10、8、6按此规律第二组图形的黑点个数依次是4、6、(8)，白圈个数依次是8、6、(4)，应选择B。20.A.见图AB.见图BC.见图CD.见图D答案：B 本题解析：二.多项选择题(共20题)1.根据以下资料，回答1013题：材料要点本题材料是有三条折线的复式折线图。各折线统计图中的最高(低)两个极端的量，尼日利亚在1990年、200

40、0年、2004年都是最高的，日本在1990年、2000年、2004年都是最低的。这3年各国的婴儿出生死亡率的趋势都是逐步下降的标题：世界部分国家婴儿出生死亡率单位：图注：带三角形的折线世界部分国家在1990年的婴儿出生死亡率带黑点的折线世界部分国家在2000年的婴儿出生死亡率带正方形的折线世界部分国家在2004年的婴儿出生死亡率横标目：世界平均值、中国、印度、日本、埃及、尼日利亚、南非、墨西哥、美国、阿根廷、德国、荷兰、英国纵标目：0140()2000年，埃及的婴儿死亡率在所列的12个国家中由高到低居第（）位。A.3B.4C.5D.9答案：B 本题解析：观察折线图可查出，2000年婴儿死亡率由

41、高到低依次为：尼日利亚、印度、南非、埃及，则埃及居第4位。注意不要把世界平均值计算在內。2.对一个行业市场结构分类的主要依据有（ ）。A.本行业内部生产者数目B.本行业内部各个生产者的产品差别程度C.生产技术差别程度D.进入障碍的大小E.消费者的接受程度答案：A、B、D 本题解析：暂无解析3.需求曲线之所以向右下方倾斜，是因为价格的变化具有（www.TopS）效应。A.收入B.替代C.递减D.规模经济E.导向答案：A、B 本题解析：大多数情况下，收入效应的作用小于替代效应的作用，从而总效应与价格成反方向变动。相应的需求曲线也是向右下方倾斜的。4.BJ 公司是某银行客户经理小王计划大力营销的目标

42、客户。近期，小王拿到了该公司的财务报表，部分信息如下：材料一资产负债表简报（2014 年12 月31 日）单位：万元材料二BJ 公司及行业标杆企业部分财务指标如下表：材料三BJ 公司2014 年销售收入为146977 万元，净利润9480 万元。2015 年投资计划需要资金15600 万元。公司的目标资产负债率为55%。公司采取剩余股利政策。对于BJ 公司财务表现的评价，以下说法正确的是（ ）。A.BJ 公司的长期偿债能力高于行业标杆企业B.BJ 公司的总资产利用效率高于行业标杆企业C.BJ 公司的企业所有者权益的获利能力低于行业标杆企业D.BJ 公司的销售净利率高于行业标杆企业答案：B、C

43、本题解析：根据材料二，权益乘数是用来衡量企业长期偿债能力的指标，BJ 公司的权益乘数为2.5.但权益乘数与企业的长期偿债能力成反比，因此，BJ 公司的长期偿债能力低于行业标杆企业，选项A 错误。企业的总资产利用效率用总资产周转率来衡量，总资产周转率=总资产周转次数=销售收入总资产，BJ 公司的总资产周转率=146977100000=1.47，由于总资产周转率与总资产利用效率成正比，故选项B 正确。所有者权益的获利能力用净资产收益率来衡量，并与净资产收益率成正比，故选项C 正确。销售净利率=净利润销售收入=9 480146 977=6.4%.故选项D 错误。5.我国反不正当竞争法规定的违反该法的

44、法律责任包括（ ）。A.民事责任B.行政责任C.刑事责任D.违宪责任答案：A、B、C 本题解析：反不正当竞争法规定了违反该法的法律责任，包括民事责任、行政责任、刑事责任三种。6.下列关于雷达图的描述中，正确的有（）。A.常用于展示多个变量B.可用于研究多个样本之间的相似性C.通常假定各变量取值符号相同D.常用于展示数值型数据答案：A、B、C、D 本题解析：当研究变量超过两个时，通过雷达图可以让多个变量的表示更简单直观，A选项正确；将不同样本各个变量取值绘制于一张图表中可以研究多个样本间的相似性，例如城镇与农村居民各项生活消费支出，B选项正确；雷达图对于显示和对比各变量数值总和非常有用，假定各变

45、量取值具有相同的正负号，则总的绝对值与图形所围成的区域成正比，因而也适合展示数值型数据，C、D项正确；故本题应选ABCD。7.信用风险缓释是指商业银行运用（）等方式转移或降低信用风险。A.保证B.净额结算C.股指期货D.信用衍生工具E.合格的抵质押品答案：A、B、D、E 本题解析：信用风险缓释是指商业银行运用合格的抵质押品、浄额结算、保证和信用衍生工具等方式转移或降低信用风险。故本题正确答案选ABDE。8.中央银行对基础货币的控制主要受下述哪些因素的影响()A.银行的贴现货款需求B.政府预算赤字C.中央银行稳定汇率的目标D.失业率E.货币乘数答案：A、C 本题解析：央行对基础货币的控制取决于银

46、行的贴现贷款需求和稳定汇率的目标。哉AC选项正确。9.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10.现金资产是可以随时用于支付的银行资产 , 它包括 ( ) 。A.库存现金B.存放同业资金C.存放中央银行资金D.托收未达款答案：A、B、C、D 本题解析：暂无解析11.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、D 本题解析：按财政支出的经济性质，可以把财政支出分为购买性支出和转移性支出。12.存款货币银行资产运用的方法有（ ）。A.票据贴现B.借款C.贷款D

47、.结算E.证券投资答案：A、C、E 本题解析：暂无解析13.以下关于住房需求的描述中，属于经济学意义上的有效需求的有（ ）。A.小李夫妇均属于高端收入阶层，但是由于工作经常要变动，两人均打算先租房，等两人工作稳定在一个地方后再买房B.某对小情侣打算买房结婚，两人经过几年打拼，已经攒够首付C.老王夫妇打算用毕生的积蓄给儿子买婚房，可是看中的楼盘还没有动工D.小钱打算购买一套两居室住房，把爸妈接过来一起住，虽然还没有攒够首付，但是他工作非常努力E.家住温州的王女士孩子要上小学了，王女士打算将股市的资金以及平时理财的资金取出，用于购买学区房的首付支付答案：B、C、E 本题解析：有效需求指既有购买生力

48、又有购买欲望的需求。A 选项，小李夫妇有购买能力，但现在没有购买意愿。BCE 选项，属于有效需求。D 选项，小钱只有购买欲望，但无购买能力。14.国际收支大体上能够反映外汇市场的供求状况，国际收支出现逆差时（）。A.外汇升值B.本币升值C.本币贬值D.外汇贬值E.外汇需求大于供给答案：A、C、D 本题解析：该题考查国际收支对汇率变动的具体影响。国际收支大体上能够反映外汇市场的供求状况，国际收支出现逆差时，在外汇市场上表现为外汇需求大于供给，从而引起外汇升值、本币贬值；反之，国际收支顺差会导致外汇贬值、本币升值。15.Anne Whitney, a sophomore at Colorado S

49、tate University, first had a problem taking tests when she began college I was always well prepared for my tests Sometimes I studied for weeks before a test Yet I would go in to take the test, ouly to find I could not answer the questions correctly I would blank out because of nervousness and fear I

50、 couldnt think of the answer My low grades on the tests did not show what I knew to the teacher Another student in biology had similar experiences He said: My first chemistry test was very difficult Than, on the second test, I sat down to take it, and I was so nervous that I was shaking My hands wer

51、e moving up and down so quickly that it was hard to hold my pencil I knew the material and I knew the answers Yet I couldnt even write them down! These two young students were experiencing something called test anxiety Because a student worries and is uneasy about a test, his or her mind does not wo

52、rk as well as it usually does The student cannot write or think clearly because of the extreme tension and nervousness Although poor grades are often a result of poor study habits, somethnes test anxiety causes the low gradesRecently, test anxiety has been recognized as a real problem, not just an e

53、xcuse or a false explanation of lazy studentsSpecial university advising courses try to help students In these courses, advisors try to help students by teaching them how to manage test anxiety At some universities, students take tests to measure their anxiety If the tests show their anxiety is high

54、, the students can take short courses to help them deal with their tensions These courses teach students how to relax their bodies, Students are trained to become calm in very tense situations By controlling their nervousness, they can let their minds work at ease Learned informatian then comes out

55、without difficulty on a testAn expert at the University of California explains: With almost all stttderltS, relaxation and less stress are felt after taking our program Most of them experience better control during their tests Almost all have some improvement With some, the improvement is very great

56、Poor grades are usually the result of _A.poor sleeping habitB.lazinessC.lack of sleepD.inability to form good study habits答案：D 本题解析：由第二段第四句话“poor grades are often a resuh of poor study habits”可知，成绩差是由不良的学习习惯造成的结果。因此答案为D。16.主合同与从合同是两个不同的法律关系，关于两个合同之间关系概述，正确的是（ ）。A.主合同无效，从合同无效，但可以有例外B.主合同的当事人与从合同的当事人可

57、以重合C.主合同的当事人与从合同当事人不能重合D.主合同无效，从合同必然无效答案：A、B 本题解析：担保法第五条规定，担保合同是主合同的从合同，主合同无效，担保合同无效。担保合同另有约定的，按照约定。A 对，D 错。作为从合同的担保合同，其他担保人可以是第三人，也可以是债务人自己。B 对，C 错。17.商业银行负债管理的主要思想是（ ）。A.变被动负债为主动负债B.改变对负债的成本观念C.盈利性与风险性的统一D.安全性与流动性的统一E.创新金融工具答案：A、B、E 本题解析：暂无解析18.在国际收支平衡表中，属于经常账户的项目包括（ ）。A.货物和服务B.直接投资C.净误差与遗漏D.经常转移E.收益答案：A、D、E 本题解析：暂无解析19.近期，由建设银行与北京市商务局联合打造的“京企走出去综合服务系统”正式上线进入“试运行”阶段。该系统主要有（）功能板块。A.公共信息服务。B.政务服务C.金融服务D.商务服务答案：A、B、C、D