法国兴业银行（中国）有限公司招聘AdministrationAssistant上岸历年高频考点试题库答案详解

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1、法国兴业银行（中国）有限公司招聘AdministrationAssistant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.When researchers first discovered a link in the late 1990s between childhood adversity and chronic health problem later in life, the real revelation was how common those experiences were across all socioeconomic group

2、s. But the first major study to focus on adverse childhood experiences (ACEs) was limited to a single healthcare system in San Diego. A study published in JAMA Pediatrics- the largest nationally representative study to date on ACEs一confirms that these experiences are universal, yet highlights some d

3、isparities among socioeconomic groups.The current study finds three out of five adults across the U.S. had at least one adverse experience in their childhood, such as divorce, a parents death, physical or emotional abuse, or a family members incarceration or substance abuse problem. A quarter of adu

4、lts have at least three such experiences in childhood, which according to other research- increase their risk for most common chronic diseases, from heart disease and cancer to depression and substance abuse.This is the first study of this kind that alows us to talk about adverse childhood experienc

5、e as a public health problem in the same way we talk about obesity or hypertension or any other highly prevalent population risk factor says Adam Schickedanz, an assistant professor of pediatrics at the David Geffen School of Medicine at UCLA, who was not involved in the research. Up until now,we ha

6、vent really had a study that takes a national look .The study researchers, led by Centers for Disease Control and Prevention researcher Melissa T. Merrick, analyzed data from 214, 157 adults in 23 states recently. The participants answered 11 questions about whether theyd experienced what have now b

7、ecome well recognized as ACEs: parental separation or divorce, child abuse (physical, emotional and sexual ), domestic violence and living with someone who has been incarcerated or has a mental ilness or a substance use disorder.Nearly 62 percent of respondents had at least one ACE and a quarter rep

8、orted three or more. The remaining respondents had at least two ACES, including 16 percent with four or more such experiences .Those identifying as black or Latino and those with less than a high school education or an annual income below $15,000 were more likely to have more ACES. Women, younger ad

9、ults,unemployed people and those unable to work also tended to have more ACES. But Schickedant cautions that, while the disparities are real, its important to recognize how common these experiences are among all people, including white and middle class families.”This study shows that ACEs affect peo

10、ple from all walks of life everywhere, he says.This new study suggests that a need to target prevention resources where they can help most,says Jack Shonkoff, a professor of child health and development at the Harvard T. H. Chan School of Public Health. This requires identifying what makes some peop

11、le more susceptible than others to the effects of adversity,“Nobody is immune to adverse experiences in childhood but for some population groups, theyre a larger burden of childhood adversity than others. he says. What can we learn from the passage? A.There are gender differences in the effect of AC

12、EsB.Genetics play an important role in health outcomesC.Middle class families are more likely to have more ACEsD.ACEs can exert lifelong impact on peoples mental health答案：A 本题解析：根据第三段Wormen, younger adults, unemployed people and those unable to work also tended to have more ACES.可知，女性往往有更多的不良经历，故A正确

13、; B:基因对身体健康结果影响很大，原文未提到基因会造成影响，只说了不同种族，如拉丁裔籍，以及高中以下学历或年收入低于1.5 万美元的人更有可能有更多不良经历。女性、年轻人、失业者和那些无法工作的人也往往有更多的不良经历。都不是“基因”造成的，故排除B。C:原文并未说中产阶级更容易有童年不良经历。原文提到中产阶级只说了:“Schickedant警告说,尽管这种差异是真实存在的,但重要的是要认识到这些经历在所有人当中有多么普遍，包括白人和中产阶级家庭。”意味着这些不良经历在中产阶级家庭中也存在而已,故排除C;D的“lfelong impact文中未提及，排除。故本题选A。2.Questions

14、refer to the following letter. Dear New Haven resident， 1the New Haven Childrens Foundation， I would like to cordially invite you to the 2nd Annual Kids Chorus Concert. The concert offers a chance for children and young people all around the region to sing and perform in front of a large audience La

15、st years inaugural event was extremely successful， raising over 50，000 for the foundation. This money was invested in resources for children， including a brand new skateboard park on Harris Street. Over 2，000 patrons watched the first Kids Chorus Concert last year at Verity Hall. Attendance at this

16、years event is2to be even higher， so were moving to a larger venue The concert will be in the Watford Amphitheater at 530 p.m. on Monday， August 16. Tickets cost just 25 per person. I encourage you to make a big contribution to the local community by showing3support for this event. The children and

17、young people of New Haven will thank you！ Kind regards， Ben Hilman Chairman， New Haven Childrens Foundation2（）A.projectsB.projectedC.projectingD.to project答案：B 本题解析：句中attendance是被估计的对象，所以用被动语态，选择过去分词的B项。3.语言要素的变化，有时并非等待社会生活的变革而变化也就是说，即使社会生活没有发生显著变动，语汇、语音和语法都可能悄悄地起变化，语汇的变化比较显而易见，语法的变化却少些。这段话直接支持的观点是（

18、 ）A.语言要素的变化并非完全受社会生活支配B.语言要素的发展变化是经常存在的C.当社会生活发展变化时，语言要素的变化比较明显D.一般地讲，语汇变化较语音变化明显答案：B 本题解析：文中材料主要讲述了语言要素是经常变化的，只是变化的程度、快慢的问题，故选B4.小张、小王二人同时从甲地出发，驾车匀速在甲乙两地之间往返行驶。小张的车速比小王快，两人出发后第一次和第二次相遇都在同一地点，问小张的车速是小王的几倍?( )A.1.5B.2C.2.5D.3答案：B 本题解析：第一次相遇小张、小王二人的路程和为甲乙两地距离的2倍，从第一次相遇到第二次相遇，两人路程和仍为甲乙两地距离的2倍，即两次相遇所用时间

19、相同。第一次相遇小王走的路程为X，相遇后小张需要走X到甲地然后从甲地折返X回到同一地点相遇。所以相同时间内小张走的距离是小王的2倍，即车速是小王的2倍。5.调节过高收入向来是达成社会和谐的根本举措之一。两个原因使这一行为在世界范围内得到支持:第一，从经济学上来说，调节过髙收人,可以使社会资源不至于沉淀到某些特定人士之手，以收入的形式自外于经济循环;第二，髙收入阶层得到的社会资源多，理应为社会做出较大的贡献。以下不符合文意的是（）A.构建和谐社会需要调节过髙收入B.调节过高收入有利于经济循环C.髙收入阶层并没有对社会做出更多的贡献D.调节过高收入理应得到髙收入阶层的支持答案：C 本题解析：根据短

20、文第一句话可知，A项正确；B、D两项是调节过高收入应得到支持的原因，也符合文意；文中只是对高收入阶层对社会作贡献提出了期望，并未说高收入阶层有没有对社会做出贡献,C项说法错误，故选C。6.在多年实践的基础上，西方商业银行为确保贷款的安全，总结了一套衡量借款人信用情况的标准，称为“5C准则”。下列选项中，不属于该原则的是（）。A.宏观经济状况B.担保财产C.主营类别D.经营能力答案：C 本题解析：“5C准则”分别指道德品质、经营能力、资本实力、担保和经济环境。所以答案选择C。7.市场营销损益预测的内容不包括（ ）。A.广告费用B.分成细目的生产成本C.市场营销费用D.单位销售数量答案：A 本题解

21、析：市场营销损益预测包括在预算书的收入栏列出预计的单位销售数量、平均净价；在支出栏列出分成细目的生产成本、储运成本以及各种市场营销费用。8.近年来，立式化妆品的销量有了明显的增长，同时，该品牌用于广告的费用也有同样明显得增长。业内人士认为，立式化妆品销量的增长，得益于其广告的促销作用。以下哪项如果为真，最能削弱上述结论？（ ）。A.立式化妆品的购买者中，很少有人注意到该品牌的广告B.立式化妆品的广告费用远高于其他品牌化妆品的广告费C.立式化妆品的宣传范围大，渠道广，形式多样D.近年来，立式化妆品致力于技术研发，产品质量有了很大提升答案：A 本题解析：题干结论是立式化妆品营销增长得益于其广告的促

22、销作用。A 项很少人注意说明购买者购买该品牌化妆品不是因为广告的促销作用，削弱了结论；B、C 加强了结论；D 项致力于技术研发是另有他因，有一定的削弱作用，但不能据此说明广告没有作用，程度不如A 强，故选A。9.What does Savvy Shoppers send to clients when shopping?A.Prices and photographs of clothing itemsB.Precise measurements and digital photosC.Gift certificates for tailoring servicesD.Information

23、about the work they do答案：A 本题解析：暂无解析10.如果你仔细观察，就会发现大群蚂蚁行走时，总是排成一列长长的队伍，这是因为（ ）。A.后面的蚂蚁依靠前面的蚂蚁排出的气味紧紧跟上，一只接着一只B.这样可以在遭遇袭击时减少伤亡C.蚂蚁有很强的纪律性D.这样有利于提高觅食效率答案：A 本题解析：蚂蚁行走时，身体中会放出一种特别的气味，这种气味只有蚂蚁才闻得到。当前面的蚂蚁行走时，后面的蚂蚁就依靠闻这种气味紧紧跟上，一只接着一只，看上去就像排队了。蚂蚁排队走路，实际上是为了不迷路。11.The next thing lae saw was smoke _ from behi

24、nd the house,A.roseB.risingC.to riseD.risen答案：B 本题解析：句意为接下来他就看到烟从房子里冒出来。smoke与rise之间是主谓关系，且在句中作定语部分，故选B。12.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 th

25、e past decade，however ，digital payments have taken off- tapping 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 problem

26、s that could hold the transition hostage.Countries are eliminating 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 ju

27、st 6% of purchases by value in Norway. Britain is probably four 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

28、% in 2017.Cash is dying out beause of two forees. One is demand- 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 f

29、ast, easy-to-use payment technologics from which they can pull 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

30、fees.In the main，the prospect of a cashless economy is excellent 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 vu

31、lnerable to theft. Govermments can keep closer tabs on fraud 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

32、bundle of worries. Eleotronic payment systems may be vulnerable 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,

33、an anonymous payment method, for a digital system could let govemments 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 mon

34、opolies over digital money. Rather than ltting a few credil-card 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

35、 banks to offer cheap,instant，bank-to-bank digital transfers 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. S

36、ccond, govemments should maintain banks obligation to keep customcr 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 m

37、ade explicit to uscrs. Some customers will favour free services 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 gover

38、mments time to help the poor open bank accounts, educate the 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

39、for the last time.According to the article, which of the following is NOT supporting the point that“the phase-out of cash should be gradual?A.In rural areas the intemet access still need time to be enhancedB.The rush towards digital money should be targeting at the most beneficial results of goverme

40、ntC.It could buy govemment time for helping those impoverished people open bank accounts, and to teach elderly people Io prepare for the eleetronice payments systemsD.Banks are obliged to offer assistance in the long process towards the final eliminating of cash答案：B 本题解析：由最后一段 “beef up intemet acess

41、 in rural areas. (加强农村地区的互联网接入)”可知A项正确。由“This will buy goverments time to help the poor open bank accounts,educate the elderly (这将为政府争取时间，帮助贫困人口开设银行账户，教老年人使用)”可知C项正确。由“banks should be obliged to acepet and distribute ceash in populated arcas. (银行有义务在人口密集的地区接受和发放现金)”可知D项正确。网上支付不是为了保证政府利益最大化，B项表述错误，所以

42、答案选B.13.外汇是指以外国货币表示的、用于国际结算的多种支付凭证。它包括外国货币(销票、 铸币)、外币有价证券(政府公债、国库券、公司债券、股票、息票等），外币支付凭证(票据、银行存 款凭证、邮政储蓄凭证等）以及其他可以在国外兑现的凭证。在中国，下列不属于外汇范畴的是（ )A.英国政府发行的水利建设公债B.美国花旗银行的存款凭证C.德国货币200马克D.台资公司的1000万美元换成人民币后的现金存款凭证答案：D 本题解析：在定义中明确提到了以外国货币表示的国外政府公债、银行存款凭证、外国货币等都属于外汇的范畴，故选项A、B、C都符合外汇范畴，只有D项中的现金存款凭证是以人民币的形式存在，不

43、符合“以外国货币表示”的要求。14.为什么会有那么多论文显示男女之间存在认知差异？一个重要理由是：样本太小。全球有七十亿人，而一般研究受经费限制，只能对十到二十个受试者进行研究，样本可能缺乏代表性。进一步看，即使真的发现男女之间的认知差异，社会应该如何面对这种差异也是一个值得思考的问题。不少研究显示，男女各项认知能力的差异往往取决于社会的性别平等程度。比如说最近一项涉及27个国家20万人的研究显示：越是在性别平等的国家，女性在情景记忆能力一项上比男性的优势就越显著。下列说法与这段文字相符的是（ ）。A.研究中男女间的认知差异会随样本增加而减小B.男女间的认知差异可能受社会平等程度的影响C.客观

44、对待男女间的认知差异是社会进步的标志D.女性的认知方式会随社会进步表现出更大优势答案：B 本题解析：本题属于细节理解题。A项，原文提到“为什么会有那么多论文显示男女之间存在认知差异？一个重要理由是：样本太小。”因此可推理得出，样本多则人们会对“男女之间是否真的存在认知差异”有更清晰的认知，但没说明男女间的认知差异会随样本增加而减小。也就是说结论还未可知，不能下定论，故A不严谨，排除；B项，原文提及：男女各项认知能力的差异往往取决于社会的性别平等程度。B项就包含了这层意思。原文中的“社会的性别平等程度”是B项“社会平等程度”的内容之一。故符合原文意思，当选；C项，原文提到：社会应该如何面对这种男

45、女之间的认知差异也是一个值得思考的问题。随后谈及男女各项认知能力的差异与社会的性别平等程度的关系，但是并未提到“客观对待男女间的认知差异是社会进步的标志”，C项属于过度引申，排除；D项，原文说的是：越是在性别平等的国家，女性在情景记忆能力一项上比男性的优势就越显著。而D项中的“认知方式”“随社会进步”以及“表现出更大优势”都太笼统，不够细化，故排除。因此，选择B选项。15.表一2010年浙江各市常住人口变动情况2010年2010年比2000年常住人口(万人)其中：来自省外人口(万人)常住人口增加数(万人)常佳人口增长(】来自省外人口增长()全省5442.691182.40765.7116.40

46、220.5杭州市870.04174.27182.1726.48246.7宁波市760.57198：34164.2327.54224.1温州市912.21272.45156.4520.70166.8嘉兴市450.17112.3591.8725.64336.7湖州市289.3545.4026.7910.20213.2绍兴市491.2290.6560.8014.13299.9金华市536.16122.4278.9717.27215.7衢州市212.277.98-0.62-0.29315.4舟山市112.1321.3911.9811.96368.7台州市596.88122.1381.5115.8217

47、4.0丽水市211.714.99-4.51-2.09488.0表二2010年浙江各市城镇人口比较城镇人口占总人口比重(J城镇人口(万人)城镇人口占全省比重()2010年比2000年提高(百分点)2010年比2000年增加比2000年增长()2010生比2000年提高(百分点)全省61.613.03355.021119.3650.1100杭州市73.214.6637.27233.9358O19O1O宁波市68.312.6519.52187.1556.315.50.6温州市66.014.5602.20213.0754.817.90.5嘉兴市53.315.3。240.07103.9976.47.21

48、.1湖州市52.914.2153.0451.3750.54.60.0绍兴市58.69.9287.7678.2237.38.6-0.8金华市59.013.6316.18108.8652.59.40.2衢州市44.114.693.6830.7148.82.80.0舟山市63.67.67l_3l15.1927.12.1-0.4台州市55.54O331.5365.9524.89.9-2.0丽水市48.415.3102.4730.9343.23.10.12000年，浙江省各市城镇人口占总人口比重超过全省平均水平的有( )。A.4个B.5个C.6个D.7个答案：C 本题解析：由表二第二、三列可知，2000

49、年浙江省城镇人121占总人口比重为616一l30-486杭州市为732-14650，宁波市为683一l2650，温州市为66O一l4550。嘉兴市为533一15350，台州市为555-4050丽水市为484一l5340，比较可知，杭州市、宁波市、温州市、绍兴市、舟山市、台州市符合题意，共6个。应选择C。16.15/2，24/5，35/10，48/17，( )A.63/26；B.53/24；C.53/22；D.63/28答案：A 本题解析：选A，分子2,5,10,17,26 二级等差；分母15,24,35,48,63二级等差。17.与上一个月相比，降幅最大的指数是（）。A.土地开发面积分类指数B

50、.销售价格分类指数C.空置面积分类指数D.资金来源分类指数答案：B 本题解析：与上一个月相比，资金来源分类指数上升了，空置面积分类指数持平，销售价格分类指数下降123点，土地开发面积分类指数下降064点，比较可知，降幅最大的指数是销售价格分类指数。18.户籍管理的实质是（ ）。A.控制人员流动B.限制农村人口大量涌人城市C.政府对其所辖人力资源所进行的控制和规划D.向广大群众收取相应的证件办理费用，向外来人口收取管理费以中饱私囊答案：C 本题解析：户籍管理的实质是一个国家政府对其所辖人力资源所进行的控制和规划。我国现行户籍制度是建国后随着计划经济体制的确立而逐步建立起来的。但随着经济的发展，特

51、别是经济由粗放型向集约型的转化，这一制度所产生的问题也日益明显，主要表现为经济系统的效率低下及人力资源的潜能不能充分发挥。19.经典会被一代代人重读，这样文化，尤其是作为精髄的文化就有了传承。当然有些也是隔代遗传，甚至经过世纪尘封。有些经典的命运非常孤独，有些好得多。经典是时间的造物。在时间中它又有了自己的历史，一些读者会把自己的生命又加入进来。经典不怎么时髦，经典是安静的，经典等待着。它必须等到一个好的读者才能复活。这个读者有多好，它就能够复活得多好。对这段文字意思概括最准确的是（）A.重读经典有利于文化传承B.经典的生命需要读者来重塑C.尘封的经典更值得去品味D.经典的命运各不相同答案：B

52、 本题解析：本题是主旨題。通读文段可知，结尾部分“它必须等到一个好的读者才能复活。这个读者有多好，它就能够复活得多好”是整个文段的中心句，意思是经典的重生是由读者完成的。故正确答案为B。20.Questions 16-18 refer to the following e-mail.From: Thy NguyenTo: Cyprus WinnSubject: Final review for the proposalDear Cyprus,Ive completed our funding proposal for the new laboratory facilities. I inclu

53、ded everything we talked about in last weeks meeting, and it will be ready to be sent out next week to the venture capital firms we selected. Im confident it will receive a positive response.Since we have a few days before the proposal goes out, Id really appreciate it if we could sit down together

54、and look over everything. I added some small formatting ideas of my own that Id like to run by you. It wont take more than a couple of hours. Im free all afternoon today and tomorrow morning before 11:00 a.m. Please let me know if either of these times is good for you.Thanks,Sincerely,Thy NguyenWhy

55、did Ms. Nguyen write the email?A.To ask a colleague for assistanceB.To request funding for a projectC.To share the results of a previous meetingD.To express appreciation for a coworker s help答案：A 本题解析：回信中，第二段第一句拜托“Cyprus”一起审查提案书，故选A。21.周王室和春秋战国各国广泛实行谥号制度，后来秦始皇认为谥号有“子议父、臣议君”的嫌疑，就把它废除了。“谥者，行之迹也；号者，表之功

56、也；车服者，位之章也。是以大行受大名，细行受细名。行出于己，名生于人。”帝王的谥号，由礼官议上；臣下的谥号，由朝廷赐予。西汉建立之后，又恢复了谥号制度。谥号是中国古代，帝王将相死后，人们给他们另起的称号，如“武”帝、“哀”公等。但是近代以来，王国维等根据金文考释得出结论，认为谥法应当形成于西周中期的恭王、懿王阶段，这一说法现在得到广泛认同。谥号制度的形成，传统说法是西周早期，即逸周书谥法解中提到的“周公制谥”。将以上6个句子重新排列，语序正确的是（）。A.B.C.D.答案：C 本题解析：首先比较、句，句引出“谥号”的话题，句解释谥号各自不同的含义及授予级别。故、句的位置应为，排除B、D。由句的

57、“废除了”和句的“恢复了”可知，应该是先废除再恢复，故这两句顺序为，排除A。本题答案为C。22.甲男与乙女在火车站候车室相遇，乙女主动约甲男到外面走走，二人至公园僻静处发生了 性关系。经査，乙女系精神病患者，甲男不知此情。甲男的行为（ ）。A.不构成犯罪B.构成强奸罪C.构成强奸罪但应从轻处罚D.构成强奸罪，从重处罚答案：A 本题解析：根据我国刑法第236条的规定，强奸罪是指以暴力、胁迫或者其他手 段，违背妇女意志，强行与其发生性关系的行为。强奸罪在客观方面的要件是违背妇女意志， 采取暴力、胁迫或其他手段强行与妇女发生性交的行为。所谓违背妇女意志，是指违背妇女当 时的真实意愿，这是构成强奸罪的

58、本质特征。双方自愿发生性关系，未造成严重后果，情节显 著轻微的，不认为是犯罪，可以不定强奸罪。题目中乙出于自愿，甲没有采取暴力、胁迫等手 段，且不知道乙为精神病患者，所以甲的行为不构成强奸罪。23.根据以下内容，回答237-240题。Summer Travel SaleFigures published yesterday in a report on the national housing market show that consumers purchased more new homes in September than in any month yet this year. The

59、 increase of 14.1% over last month directly contradicts the predictions of market analysts. It was a real shock to most of us, admitted Lashawnda Cassano, chief economist with the firm Capital Resources, LLTG. New-home sales were down so much in August and July that we simply expected the trend to continue. But this changes everything.The report states that 71,000 homes were sold in the month of September. That is well above the figure of 62,000 sold in August and Julys one of 64,000. Previous months had seen the num-ber holding steady at around 68,000. These new