[辽宁]2022年朝阳银行招聘（抚顺地区）历年高频考点试题库答案解析

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1、辽宁2022年朝阳银行招聘（抚顺地区）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.In spite of all stories of prosperity in the Unites States, not only does poverty exist there, but crimes of various types have been increasing at an alarming rate. Most acts of violence were committed by young people.57% of the criminals

2、arrested in 1979 were youths below 25 of age.Everyone agrees that crime is partly a result of bad material conditions: poverty, lack of education, living within a settled home, being parent less, sufferings from other kinds of misfortune, etc.There are also other factors than material conditions whi

3、ch are responsible for the sharp increase of crime rate. In the first place, some state laws provide a death penalty but some not. Secondly, the Constitution allows every citizen to carry weapons for his own protection. It is therefore possible and easy for anyone in the country to get a gun. Finall

4、y, there has been too much shown on TV and too much reported in newspaper of all kinds of crime, the details of which are so accurately described that even children know how to duplicate what they have seen or read. All these have resulted in a high frequency of crimes committed both by professional

5、 criminals andby nonprofessional ones in murder, drug smuggling, robbery, etc.The author is worried about the fact that_.A.children may imitate what they have seen or read about crimeB.the more prosperous the United States is, the higher the crime rate becomesC.citizens carrying guns will be punishe

6、dD.all the state laws will be punished答案：A 本题解析：根据第三段“even children know how to duplicate what they have seen or read”可知，作者最担心的是孩子们可能会模仿他们看到或读到的有关犯罪的行为。所以答案选A。2.2011年我国全部工业增加值188572亿元。规模以上工业增加值增长13.9%，在规模以上工业中，国有及国有控股企业增长9.9%;集体企业增长9.3%，股份制企业增长15.8%，外商及港澳台商投资企业增长10.4%;私营企业增长19.5%，轻工业增长13.0%，重工业增长14.

7、3%。全年规模以上工业中，农副食品加工业增加值比上年增长14.1%,纺织业增长8.3%，通用设备制造业增长17.4%，专用设备制造业增长19.8%,交通运输设备制造业增长12.0%，通信设备、计算机及其他电子设备制造业增长15.9%，电气机械及器材制造业增长14.5%。六大高耗能行业增加值比上年增长12.3%，其中，非金属矿物制品业增长18.4%，化学原料及化学制品制造业增长14.7%，有色金属冶炼及压延加工业增长13.6%，黑色金属冶炼及压延加工业增长9.7%，电力、热力的生产和供应业增长10.1%，石油加工、炼焦及核燃料加工业增长7.6%。高技术制造业增加值比上年增长16.5%。全年规模以

8、上工业企业实现利润54544亿元，比上年增长25.4%。2011年，六大髙耗能行业增加值的增长速度大于10%的有（ ）A.3个B.4个C.5个D.6个答案：B 本题解析：根据文字第二段“其中，非金属矿物制品业增长18. 4%，化学原料及化学制品制造业增长14. 7%,有色金属冶炼及压延加工业增长13.6%，黑色金属冶炼及压延加工业增长9.7%,电力、热力的生产和供应业增长10.,石油加工、炼焦及核燃料加工业增长7.6%”可知，增速大于10%的有4个。故正确答案为B。3.功夫熊猫的热映说明“中国元素”已不仅仅只是好莱坞电影中的_,它甚至已经成为好莱坞电影导演的灵感来源，片中“功夫”和“熊猫”两个

9、主要元素都来自中国文化，而猴王、老虎、螳螂、毒蛇、丹顶鹤等五大高手更是把中国功夫演绎得_。填入横线部分最恰当的一项是（）。A.点缀 惟妙惟肖B.卖点 栩栩如生C.陪衬 精妙绝伦D.题材 活灵活现答案：A 本题解析：“中国元素”中“元素”的本义是要素，再结合后面的“甚至成为好莱坞电影导演的灵感来源”，说明“中国元素”在好莱鸡电影中的分量越来越重。第一个空和“灵感来源”是递进关系。由此可以排除B、D两项；“惟妙惟肖”形容描写或模仿得非常好，非常逼真。 “精妙绝伦”指精致巧妙，无与伦比。本段文字主要说明“中国元素”在功夫熊猫中的重要作用，所以作者要表达的是功夫熊猫中的五大高手将“中国元素”之一的中国

10、功夫模仿得非常逼真，故用“惟妙惟肖”合适。本题选A。4.把投资当作利率的函数以后。西方学者进一步用IS曲线来说明产品市场均衡的条件，通过对IS曲线的移动来达到产品市场的均衡，则IS曲线向右移动可能的原因是（）。A.自发性消费减少B.自发性投资增加C.外国对本国产品的需求减少D.本国对国外产品的需求增加答案：B 本题解析：暂无解析5.2，12，36，80，（）浦发行真题A.96B.120C.139D.150答案：D 本题解析：第一个乘数1，2，3，4，(5)为自然数列，第二个乘数2，6，12，20，(30)后一项减前一项得4，6，8，(10)。6.Ive loved my mothers des

11、k 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 more wonderful thing in the world. Years later, during her final illness, mother kept differ

12、ent 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-heart talks between mother and daughter. They never happened.And a gulf opened between u

13、s. 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 any way she ebose that she did forgive me. I posted the letter and waited for her answer.

14、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, and l could stop trying to make her into someone she was not.Now the present of her desk

15、 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 many times. Give me an answer, my letter asks, in any way you choose. Mother, you always

16、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 her daughter at all in all her lifeD.She read the letter again and again till she died答案：D

17、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。7.Dina,_ for months to find a job as a waitress, finally took a position at a localadvertising agency.A.strugglingB.struggledC.having struggledD.to struggle答案：C 本题解析：struggle和句子主语Dina在逻辑上构成主谓关系，且发生在谓语动词take之前，因此用现

18、在分词的完成式结构，在句子中作状语。8.What should you think about in trying to find your career? You are probably better at some school subjects than others These may show strengths that you can use in your work A boy who is good at mathematics can use that in an engineering career A girl who spells well and likes En

19、glish may be good at office work So it is important to know the subjects you do well in at school On the other hand, you may not have any specially strong or weak subjects but your records show a general satisfactory standard Although not all subjects can be used directly in a job, they may have ind

20、irect value A knowledge of history is not required for most jobs but if history is one of your good subjects you will have learned to remember facts and details This is an ability that can be useful in many jobsYour school may have taught you skills, such as typing or technical drawing, which you ca

21、n use in your work You may be good at metal work or cookery and look for a job where you can improve these skillsIf you have had a part-time job on Saturdays or in the summer, think what you gained from itIf nothing else, you may have learned how to get to work on time, to follow instructions and to

22、 get on with older workers You may have learned to give correct change in a shop, for example Just as important, you may become interested in a particular industry or career you see from the inside in a part-time job Facing your weak points is also part of knowing yourself You may be all thumbs when

23、 you handle tools; perhaps you are a poor speller or cannot add up a column of figures It is bitter to face any weaknesses than to pretend they do not exist Your school record, for instance, may not be too good, yet it is an important part of your background You should not be apologetic about it but

24、 instead recognize that you will have a chance of a fresh start at workThe whole passage centers onA.choosing a career according to what one is skilled inB.acquiring knowledge by working hard at schoolC.finding ones strong and weak pointsD.developing ones abilities useful in school work答案：A 本题解析：本文大

25、意是你可以根据自己擅长的科目来选择你适合的职业重要的是通过自己的表现来认识自己，而不是一味地将目光放在成绩是好还是坏上面。所以应选A。9.以下表示货币的时间价值的利息率是()。A.企业的加权平均资本成本B.没有风险和没有通货膨胀条件下社会资金平均利润率C.央行存款基准利率D.央行贷款基准利率答案：B 本题解析：本题考点是货币时间价值的量的规定性。货币时间价值是没有风险和没有通货膨胀条件下的社会平均利润率。10.2010年16月，全国电信业务收入总量累计完成14860.7亿元，比上年同期增长21.4%;电信主营业务收入累计完成4345.5亿元，比上年同期增长5.9%。其中，移动通信收入累计完成2

26、979亿元，比上年同期增长11.2%，比重提升到68.55%，增加了3.24%固定通信收入累计完成1366.5亿元，比重下降到31.45%. 2010年16月，全国电话用户净增4920.4万户，总数达到11.1亿户，其中，固定电话用户减少876.7万户，降至3.05亿户；移动电话用户增加5797万户，总数突破8亿户，达到8.05亿户. 截止2010年6月，我国的移动电话用户占全国电话用户的比重相比2009年底约：A.增加2%B.增加8%C.减少2%D.减少8%答案：A 本题解析：增加2%11. He regretted_too much time on computer game. A.to

27、costB.costingC.to spendD.spending答案：D 本题解析：本句的意思是他懊悔花费太多的时间玩电脑游戏。regret doing sth意为“后悔做过了”；regret to do意为“对即将做或正在做的事情感到遗憾”；spend time on sth意为“在上花费时间”。12.根据债券供给理论，在什么情况下，情券的供给曲线会向右移动( )。”A.国民收入增加B.政府预算下降C.投资盈利性下降D.预期通货膨胀率上升答案：D 本题解析：国民收入增加，对债券的需求增加，债券的需求曲线向右移动，故A项错误:政府财政赤字越大，债券供给数量越高，反之亦然。政府预算下降，政府赤

28、字下降，则债券供给减少，供给曲线向左移动，故B项错误:在经济周期衰退阶段，投资营利性下降，债券供给下降，供给曲线向左移动，故C项错误:预期通货膨服率上升，梅会使得实际借款成本下降，导致债券供给增长，债券供给曲线向右移动，故D项正确。13.某工业企业下设供电、供水两个辅助生产车间，采用交互分配进行辅助生产费用的分配。2008年5月，供水车间交互分配前实际发生的生产费用为315000元，应负担供电车间的电费为94500元;供水总量为1750000吨(其中：供电车间耗用175000吨，基本生产车间耗用1225000吨，行政管理部门耗用350000吨)。供水车间2008年5月对辅助生产车间以外的收益单

29、位分配水费的总成本为()元。A.283500B.378000C.368550D.409500答案：B 本题解析：本题的考核点是辅助生产费用分配的交互分配法。原理：先根据各辅助生产车间内部相互供应的数量和交互分配前费用分配率(单位成本)，进行一次交互分配;然后再将各辅助生产车间交互分配后的实际费用(即交互分配前费用加上分配转入的费用，减去交互分配转出的费用)按对外提供劳务的数量，在辅助生产以外各受益单位之间进行分配。14.2017年第二季度中国第三方移动支付航旅市场交易份额已知2017年第二季度中国第三方移动支付在航旅市场的交易总额为20亿元，则支付宝的交易额比财付通多（）亿元。A.1.36B.

30、2.72C.13.6D.27.2答案：B 本题解析：支付宝所占份额为46.80%，财付通所占份额为33.20%，且航旅市场总额为20亿元，则支付宝的交易额比财付通多20（46.80%-33.20%）=2.72亿元，D选项正确，A、C、D选项错误。故本题应选B。15.2012年被中国银联授予“（ ）”、“2012年银联卡行业运营合作优秀奖”、“2012年银联卡业务规则及技术落地系统改造优秀奖”、“2012年银联信用卡市场营销优秀贡献奖”、“2012年银联卡境外发卡推广奖”、“2012年银联卡品牌合作突出贡献奖”等六个奖项。A.2012年银联卡网上交易贡献奖B.2012年银联卡同行交易贡献奖C.2

31、012年银联卡跨行交易贡献奖D.2012年银联卡电子交易贡献奖答案：C 本题解析：暂无解析16.红杉树是地球上仅存的红木科树种之一，美国红杉树公司有一片高大巨拨的红杉，躯干通体绛红，冠上枝桠通天遮日，根部直径达到8米。据说世界上最大的红杉树在澳大利亚，不幸其主干毁于雷电，最终定格在75.2米。树木的生长也是竞争的过程，在成长中尽快长高、长大就能争取到更多的阳光，根都粗壮之后，从地下获得的水分也会增加。所以，()。填入划横线部分最恰当的一句是。A.大树的长成也需要天时、地利B.没有竞争就没有生存，也就没有发展C.万物生长靠太阳D.能生存下来的是最能够适应变化的那种答案：B 本题解析：“所以”表明

32、最后一句话是对全文的总结，前文介绍红杉树长的很高大，“树木的生长也是竞争过程，在成长中长高、长大就能争取到更多的阳光”，由此句可知介绍红杉树是为了说明树木的成长也需要竞争，符合对前文总结的是B“没有竞争，就没有生存，也没有发展”。17.我国刑法规定在我国领域内的犯罪是指( )。A.受害人居住地在我国领域内B.犯罪人居住在我国领域内C.犯罪行为或者结果有一项发生在我国领域内D.受害人与犯罪人均居住在我国领域内答案：C 本题解析：我国刑法第6条规定，犯罪的行为或者结果有一项发生在中华人民共和国领域内的就认为是在中华人民共和国领域内犯罪。18. 货币供给的真实源泉是( ) A.国民收入及其增量B.中

33、央银行的基础货币C.财政的再分配资金D.商业银行的资产业务答案：A 本题解析：从货币供给的渠道或来源分析，毫无疑问，银行是货币供给的总渠道或总匣门，但从深层次分析发现，银行提供的货币来源于国民收入及其增量。19.2012年4月末，人民币贷款余额约占本外币贷款余额的（）。A.93.29%B.94.27%C.93.31%D.92.19%答案：B 本题解析：20.对营销管理者来说，市场是由具有有效需求的各类（ ）组成的。A.供应商B.营销中介C.竞争者D.顾客答案：D 本题解析：暂无解析二.多项选择题(共20题)1.推进生态文明建设，既要建立一套系统完整的生态文明制度，也要统筹考虑经济体制改革。十八

34、大以来，相关规定先后下发，坚持（）“三管齐下”，逐步改善我国生态环境，绘出美丽中国精彩画卷。A.技术B.行政C.经济D.法律答案：B、C、D 本题解析：暂无解析2.Five years ago, David Smith wore an expensive suit to work every day I was a clothes addict, he jokes I used to carry a fresh suit to work with me so I could change if my clothes got wrinkled Today David wears casual c

35、lothes-khaki pants and a sports shirt to the office He hardly ever wears a necktie Im working harder than ever, David says, and I need to feel comfortableMore and more companies are allowing their office workers to wear casual clothes to work In the United States, the changes from formal to casual o

36、ffice wear have been slow In the early 1990s, many companies allowed their workers to wear casual clothes on Friday (but only on Friday) This became known as dress-down Friday or casual Friday What started out as an extra one-day-a-week benefit for workers has really become an everyday thing said bu

37、siness adviser Maisly JonesWhy have so many companies started allowing their workers to wear casual clothes One reason is that its easier for a company to attract new workers if it has a casual dress code A lot of young people dont want to dress up for work, says the owner of a software company, so

38、its hard to hire people if you have a conservative dress code Another reason is that people seem happier and more productive when they are wearing comfortable clothes In a study made by Levi Strauss and Company, 85 percent of employers said that casual dress has a side effect on work Supporters of c

39、asual office wear also say that a casual dress code helps them save money Suits are expensive, if you have to wear one every day, one person said For the same amount of money, you can buy a lot more casual clothesDavid Smith wears casual clothes now, because _A.they make him feel at ease when workin

40、gB.he cannot afford to buy expensive clothesC.he looks handsome in casual clothesD.he no longer works for any company答案：A 本题解析：由文章第一段最后一句话“andI needtofeel eomfortable”可知他需要在工作的时候感到舒服自在。故答案选A。3.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4.银行业从业人员在向客户进行营销活动时，明显违反了

41、风险提示原则的行为有（）。A.提供虚假信息B.对于客户的问题详细解答C.着力推荐对自己奖金有利的产品D.详细介绍产品或服务的有利之处与缺陷E.不以足以引起客户注意的方式提示免责条款答案：A、C、E 本题解析：银行业从业人员在向客户进行营销活动时，从业人员的下述做法明显不妥：（1）因个人利益驱动，着力推荐对自己业绩或奖金有利的产品，却忽视客户的需要；（2）仅介绍产品或服务的有利之处，对不利于客户的地方刻意隐瞒；（3）不以足以引起客户注意的方式提示免责条款；（4）对客户提出的问题闪烁其词，刻意回避或提供虚假信息。故本题正确答案选ACE。5.材料要点本题给出的资料是横标目有三级标目的表格，说明了19

42、85年、1990年、1995年、2000年、2003年我国乡村人口、乡村劳动力人数、农业劳动力、非农劳动力等数据。标题：我国农村劳动力情况单位：万横标目：乡村人口占总人口比重、乡村劳动力人数、农业劳动力、非农劳动力(比重、工业、建筑业、交通、餐饮)纵标目：1985、1990、1995、2000、2003年2003年，我国总人口约为多少人?（）A.93751万人B.128810万人C.129512万人D.129312万人答案：D 本题解析：由表格可知，2003年总人口乡村人口为93751万，占总人口比重为725，则总人口约为93751725=4 323004=129200万人，则应该选择D项。验

43、证93751725=129312万人。6.BJ 公司是某银行客户经理小王计划大力营销的目标客户。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

44、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 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=

45、9 480146 977=6.4%.故选项D 错误。7.下列有关人民币制度的叙述，正确的是（ ）。A.人民币没有含金量的规定，它属于不兑现的信用货币B.人民币的发行保证是国家拥有的商品物资，黄金外汇储备主要是作为国际收支的准备金C.人民币对外国货币的汇率，由国务院统一制定，每日公布，一切外汇买卖和国际结算都据此执行D.人民币的发行实行高度集中统一，中国人民银行是人民币唯一合法的发行机构并集中管理货币发行基金答案：A、B、D 本题解析：人民币没有含金量的规定，它属于不兑现的信用货币。人民币的发行保证是国家拥有的商品物资，黄金外汇储备主要是作为国际收支的准备金。人民币的发行实行高度集中统一，中国人

46、民银行是人民币唯一合法的发行机构并集中管理货币发行基金。人民币对外国货币的汇率，由国家外汇管理局统一制定，每日公布，一切外汇买卖和国际结算都据此执行。8.信用作为一个经济范畴，对于其本质的正确认识有（ ）。A.它是以偿还和支付利息为条件的B.它是单方面的价值运动C.它是双方面的价值运动D.它仅仅是一种债权关系E.不同社会的信用反映了不同社会的经济关系答案：A、B、E 本题解析：暂无解析9.按税率与课税对象的变动关系分类，税率分为（ ）。A.比例税率B.平均税率C.累退税率D.累进税率答案：A、C、D 本题解析：按税率与课税对象的变动关系分类，税率分为比例税率、累退税率、累进税率。10. “三师

47、队伍”建设中应坚持的原则是()。 A.明确目标B.抓住重点C.统一行动D.因材施教答案：A、B、D 本题解析：暂无解析11.在社会主义市场经济中，国有企业应发挥重要作用的行业和领域主要有（ ）。A.涉及国家安全的敏感性行业和领域B.一般竞争性行业C.提供重要公共物品和服务的行业D.政府管制的垄断性行业E.战略性资源产业答案：A、C、D、E 本题解析：暂无解析12.Anne Whitney, a sophomore at Colorado State University, first had a problem taking tests when she began college I was

48、 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 couldnt think of the answer My low grades on the tests did not show what I kn

49、ew 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 were moving up and down so quickly that it was hard to hold my pencil I knew the

50、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 work as well as it usually does The student cannot write or think clearly becaus

51、e 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 excuse or a false explanation of lazy studentsSpecial university advising cours

52、es 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, the students can take short courses to help them deal with their tensions Th

53、ese 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 without difficulty on a testAn expert at the University of California explains

54、: 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 greatTo blank out is probably _A.to be like a blanketB.to be sure of an answerC.to

55、be unable to think clearlyD.to show knowledge to the teacher答案：C 本题解析：要结合上F文理解生词含义。根据第一段“I would blank out because of nelwousness and fear I couldnt think of the answer”可知blank out在此是指由于紧张和害怕导致一时忘了答案，因此选C。13.银行真题注：第6、7、9、10、11、12列中温度、降水和日照指标之后的数字表示特定的月份。材料要点本题材料是一个具有一级标目的表格标题：世界部分城市气候状况单位：米、度、mm、小时横

56、标目：国家、地理纬度、海拔、平均温度、最冷月平均温度、最暖月平均温度、年平均降水等各气候状况指标纵标目：北京、香港、鄂木斯克等十二个城市关注点表格中数据繁多，要注意根据题干筛选数据，并注意各个指标的单位。表中最靠近赤道的四个城市，其年均降水量的均值为（）。A.1747毫米B.1778毫米C.1922毫米D.2013.5毫米答案：C 本题解析：表格中最靠近赤道的四个城市为新加坡、雅加达、胡志明市、马尼拉，他们的年均降水量的均值为(2150+1802+1861+1875)4毫米，结合选项，可估算此值大于1800小于2000，选择C。14.信用经纪业务是投资银行的融资功能与经纪业务相结合而产生的，是

57、投资银行传统经纪业务的延伸。关于此项业务描述正确的是（www.TopS）。A.信用经纪业务的对象必须是委托投资银行代理证券交易的客户B.信用经纪业务主要有融资和融券两种类型C.投资银行对其所提供的信用资金承担交易风险D.投资银行通过信用经纪业务可以增加佣金收入E.投资者可以通过信用经纪业务的财务杠杆作用扩大收益答案：A、B、D、E 本题解析：选项C应该是投资银行对其所提供的信用资金不承担交易风险。15.无差异曲线是用来表示两种商品或两组商品的不同数量的组合对消费者所提供的效用是相同的，无差异曲线的特征包括（ ）。A.对较高的无差异曲线的偏好大于较低无差异曲线的偏好B.同一坐标平面上可以有无数条

58、无差异曲线C.在同一坐标平面上任何两条无差异曲线不会相交D.无差异曲线向左下方倾斜且凸向原点答案：A、B、C 本题解析：无差异曲线向右下方倾斜。16.一般而言，货币升值产生的经济影响有( )A.出口增加B.进口增加C.产出增加D.资本流出增加E.抑制物价上涨答案：B、E 本题解析：货币升值，增加进口，减少出口,B正确；货币贬值会引起需求拉上的物价上涨和成本推动物价上涨，货币升值就会抑制物价上涨。E正确；货币贬值一般会使产出增加，货币升值产出减少。货币贬值如果预期进一步还会贬值，就会导致资本流出增加。所以ACD均不选。17.在组织中，按照计划制定者的层次和对工作的影响范围、程度划分，计划分为（ ）计划。A.战略B.战术C.政策性