中国银行北京分行招聘笔试试题综合类岗位答案
中式婚礼流程-教师资格证说课稿
第一部分：英语能力题
一、单项选择
1. Luckily,
the fire fighters arrived and _______ the terrible
fire.
A. put on B. put out C. put down D.
put away
答案：B
2. Their debts _______ 700.
A. added to B. adds up C. add to D. add up to
答案：D
3. I can hardly imagine Peter
________ across the Atlantic Ocean
in five
days.
A. sail B. to sail C. sailing D.
to have sailed
答案：C
4. For miles and
miles, I could see nothing _______ a great fire
and lots of smoke.
A. beside B. besides C.
except D. without
答案：C
5. This means the
boy may be out of job for some time. In this
sentence “be out of job” means _______.
A.
be on their days off B. go outside
C. lose his job D. finish his work
答案：C
6. The TV play we watched last night
was very ________.
A. frightening B. afraid C.
fright D. frightened
答案：A
7. No one can be
sure ____________ in a million years.
A. what
man will look like B. what will man look like
C. man will look like what D. what look
will man like
答案：A
8. We took soft drinks
to the _______ and our friends took beer
there.
A. bench B. beach C. bank D. bend
答案：B
9. Who will ________ the bill?
A.
pay B. pay for C. pay off D. pay out
答案：A
10. The hero of the story is an artist in his
_______.
A. thirtieth B. thirty C.
thirty’s D. thirties
答案：D
11. The prices of fridges have been ______
recently.
A. pressed B. brought out C. cut off
D. brought down
答案：D
12. The students
________ busily when Miss Brown went to get a
book she ________ in the office.
A. had
written; left B. were writing; has left
C. had written; had left D. were
writing; had left
答案：D
13. There is
_______ bread in the cupboard, ________?
A. no
more…is there B. not any more…isn’t there
C.
no longer…is there D. not any longer…isn’t there
答案：A
14. Mrs. Smith warned her daughter
__________ after drinking.
A. never to drive
B. to never drive
C. never driving D.
never drive
答案：A
15. We couldn’t eat in a
restaurant because __________ of us
had
__________ money on us.
A. all; no B. any;
noC. none; any D. no one; any
答案：C
16. On Saturday afternoon, Mrs. Green
went to the market, _____
some bananas and
visited her cousin.
A. bought B. buying C. to
buy D. buy
答案：A
17. These oranges
taste __________.
A. good B. wellC. to
be good D. to be well
答案：A
18. The
shop assistant didn’t give me the right ________.
A. change B. money C. serve D. note
答案：A
19. When and where to build the new factory
_________ yet.
A. is not decided
B. are not decided
C. has not decided
D. have not decided
答案：A
20. The secretary
worked late into the night, ______a long speech
for the president.
A. to prepare B.
preparingC. prepared D. was preparing
答案：B
二、完型填空
Although
international travel is usually an （1） and
pleasant
experience, travellers should take
steps to ensure that their health
does not
suffer either （2） their time （2）the air or
（2）their
time abroad.
Before you go, check
with your doctor or local travel clinic
（1）
injections are necessary for the areas you
are travelling （4） .
Allow sufficient time to
have these injections before you （5）
because
they may take time to become effective. Be sure
that the
information on health is up-to-date.
Check on the Internet if you
are not sure.
Don't go to bed late the day （6）you fly.
Your body has a natural daily sleep pattern.
It takes time to
adjust to a new time zone.
There are many different （7） of jet
lag: you
may not be able to sleep, you may not want to eat
or you
may feel sick and tired. You may not be
able to concentrate for some
days after you
arrive.
There are several things you can do to
（8） the effects of jet
lag:
－ Do your （9）
to relax during the flight;
－
Sleep as much as you can on the flight. Use a mild
sleeping
pill if necessary;
－ Drink as
much water as you can;
－ Don't drink alcohol
and caffeine;
－ Take mild sleeping pills（10）
the first few days in the new
time zone if you
need them.
1.
excited
2.
of…on…of
3. A. where
A.
A. B.
exciting
B.
C.
unexcited
C.
D.
unexciting
D.
of…in…of from…on…from
from…in…from
B. (不
填)
C. which D. that
4. A. - (不
填)
5. A. will
leave
6. A. after
7.
effects
A.
B.
in C. to D. at
B. is
leaving
B. in
B.
effect
C. leave D.
left
have
C. on
C. affect
D. before
D. affects
8. A. short B.
shorten
C. less D. lessen
9. A. good
B.
better
C. best D. most
10.A. at B.
for C. of D. on
答案： B;D; C; C;C; .D;.A; D;
C; B
三、阅读理解
Passage 1
that's not
don't understand!
I don't follow.
Are these
three speakers, who are just chatting naturally,
actually revealing what many people believe is
their dominant
thinking and learning style?
Many educators, who research in this
field say
that everybody has one of three basic ways of
processing
the world: visual, auditory or
kinaesthetic. Students who find their
dominant
learning style can make their learning more
efficient.
The Visual Learner:
The
visual learner tends to learn by watching and
copying what
others do; they
usually draw diagrams, maps and pictures rather
than
taking notes in words. They have a rich
imagination, they tend to
see pictures in
their head and daydream in colour; they notice
changes
in people and places quickly; they
remember faces not names; they
write neatly
and need a tidy environment to work in, but they
like
to surround themselves with colour, art
and pictures; they doodle
a lot.
The
Auditory Learner:
The auditory learner prefers
to listen to explanations, enjoys
conversations, usually talks very well, with a
wide vocabulary. They
tend to move their lips
when they read and often talk to themselves;
they usually remember names rather than faces;
they prefer listening
to music to looking at
art and pictures, but when they are studying,
music distracts them; they hum a lot.
The Kinaesthetic Learner:
Kinaesthetic
learners are used to doing things physically, not
listening to explanations or watching
demonstrations. They like to
move around when
they are reading or walk up and down while trying
to memorise things; they tend to touch and hug
people a lot.
They
often prefer sports to cinemas and concerts and
may lose
concentration quickly if they don't
study in the right way.
Do you recognise
yourself in one of the descriptions above? Three
students took the tests and this is what they
said.
The visual learner:
My teacher
always used to tell me off for doodling - now I
realise
it helped me concentrate.
The
auditory learner:
The coursebooks, which my
colleagues found very interesting,
were
useless for me. I didn't want to read and take
notes. I just
wanted to discuss the ideas.
The kinaesthetic learner:
A teacher,
who knows about learning styles suggested that I
tape
the lectures and listen to them when I am
jogging.
1. Which of the
following learners is NOT mentioned in the
passage?
A. Visual learner.
B.
Auditory leaner.
C. Kinaesthetic leaner.
D. Sensory learner.
2. Which of the
following is NOT true about the visual learners?
A. They usually learn by watching and copying
what others do.
B. They prefer drawing
pictures to taking notes in words.
C. They
are full of imagination.
D. They remember
people's names quickly.
3. Which of the
following describes best the auditory learners?
A. They like to watch and listen to what
others do.
B. They prefer to listen rather
than watch.
C. They like both music and
pictures.
D. They usually talk less.
4. The kinaesthetic learner
tends to _________.
A. listen to explanations
and enjoy conversations
B. memorise things via
pictures
C. do more physical exercises
D.
be forgetful
5. According to the passage,
the drawback of being a visual
learner is
__________.
A. he cannot concentrate on things
B. he dislikes music
C. he always
daydreams
D. none of them
答案：D; D; B; C; A
Passage 2
However important we may regard
school life to be, there is no
gain saying the
fact that children spend more time at home than in
the classroom. Therefore, the great influence
of parents cannot be
ignored or discounted by
the teacher. They can become strong allies
of the school personnel or they
can consciously or unconsciously
hinder and
thwart curricular objectives.
Administrators
have been aware of the need to keep parents
informed of the newer methods used in schools.
Many principals have
conducted workshops
explaining such matters as the reading readiness
program, manuscript writing, and developmental
mathematics.
Moreover, the classroom
teacher, with the permission of the
supervisors, can also play an important role
in enlightening parents.
The many interviews
carried on during the year as well as new ways
of reporting pupils’ progress can
significantly aid in achieving
a harmonious
interplay between school and home.
To
illustrate, suppose that a father has been
drilling junior
in arithmetic processes night
after night. In a friendly interview,
the
teacher can help the parent sublimate his natural
paternal
interest into productive channels. He
might be persuaded to let
junior participate
in discussing the family budget, buying the food,
using a yardstick or cup at home, setting the
clock, calculating
mileage on a trip, and
engaging in scores of other activities that
have a mathematical basis.
If the father
follows the advice, it is reasonable to assume
that
he will soon realize his
son is making satisfactory progress in
mathematics and, at the same time, enjoying
the work.
Too often, however, teachers'
conferences with parents are
devoted to petty
accounts of children's misdemeanors, complaints
about laziness and poor work habits, and
suggestions for penalties
and rewards at home.
What is needed is a more creative approach in
which the teacher,
as a professional adviser,
plants ideas in parents’ minds for the
arrangement of the many hours that the child
spends out of the
classroom. In this way, the
school and the home join forces in
fostering
the fullest development of youngsters’ capacities.
6. The first paragraph aims to __________.
[A] the role of school in children’s growing
up
[B] the role of parents in children’s
growing up
[C] the necessity of cooperation
between school and parents
[D] the negative
influence of parents for children’s healthy
development
7. The central idea conveyed
in the passage is that ________.
[A] teachers
can and should help parents to understand and
further the objectives of the school
[B] parents unwittingly have
hindered and thwarted curricular
objectives
[C] there are many ways in which the
mathematics program can be
implemented at home
[D] parents have a responsibility to help
students to do their
homework
8. It can
reasonably be inferred that the author
_________________.
[A] is satisfied with
present relationships between home and
school
[B] feels that the traditional mathematical
program is superior
to the developmental
program
[C] believes that schools are lacking
in guidance personnel
[D] feels that parent-
teacher interviews can be made more
constructive than they are at present
9. A
method of parent-teacher communication NOT
mentioned by the
author is ________.
[A]
classes for parents [B] demonstration lesson
[C] new progress report forms [D] parent-
teacher interviews
10. The
author's primary purpose in writing this passage
is to
________.
[A] tell parents to pay
more attention to teachers’ guidance
about
education at the home
[B] help ensure that
every child's capacities are fully developed
when he leaves school
[C] urge teachers to
make use of a much underused resource?the
parents
[D] brainwash parents into doing
the best thing for their
child’s education
答案： C A D B C
Passage 3
Why are
so many people unhappy in their jobs? There are
two
primary reasons. First, some people are
convinced that earning a
living is wasting
time that they could spend enjoying themselves or
uncovering their true talents.
If this is
the case with you, recall your last long vacation.
Was it two weeks of complete enjoyment? More
likely it was a week
and a half of fun in the
sun, with another half a week of
can't wait to get back to work.
blues, then
imagine taking a leave of absence. You could use
it to
work on a novel, enroll in classes or
just sit around watching TV.
At the end of
three months, in all likelihood, your self-esteem
would
be at an all-time low. While all work
and no play is not good, all
play and no work
is disastrous. We need to feel we are
accomplishing
something. We also need some
form of order in our lives.
The second and
perhaps more prevalent reason for people not to
like their work is that they feel trapped.
Once you've been at a
company for five years
and have a spouse, a mortgage and a child,
you
often feel you have very little choice about
jumping ship if
things aren't turning out as
you'd planned. A steady paycheck can
be the
biggest manacle (手铐, 束缚)of all. People resent
having to
do something because they have no
other choice.
If you find yourself resenting
your job because you can't afford
to quit, it
may be time to prepare what one career counselor
humorously calls a recalls spy movies in
which
the secret agent has such a capsule
hidden somewhere on his body.
If he's captured
and tortured unbearably, he has an option. And
having
an option gives him the strength to
hold on a little longer in the
hope that the
situation may change.
Rather
than cyanide, your option takes the form of an up-
to-date
resume. You might also take a weekly
glance through the helpwanted
section, and
make some visits to industry functions where
lowkey
networking can take place. You're not
giving up on your current job.
Rather, you are
providing yourself with an option. If things get
unbearable at work, you could jump ship. Being
in this position can
do wonders for your
attitude. It allows you to enjoy your work since,
in reality, you are there only because you
want to be.
At the core of adopting a
positive attitude to your workplace
is, above
all, assuming responsibility for your own
situation. Most
people feel controlled by
their environment, but they really aren't.
They have to learn to manage that environment
so they can get from
it what they need. （468
words ）
11. The first main reason for many
people's unhappiness in their
jobs rises from
their conviction that ____________________.
A. working at a job is just wasting their time
B. working is not the enjoyment they are after
C. working is like killing their true talents
D. working is the least enjoyable way of
spending time
12. The second main reason for
their unhappiness is that
______________.
A. they have been working
in a company for too long
B. they are not
permitted to change a job
C. they have no
other way out than keep working
D. they have
to work on to pay off their debts
13. With an
up-to-date resume ready as an option, you may feel
better at your job because _____________.
A. it is up to you to choose between two
alternatives
B. you are to do wonders in your
work
C. it seems to be the only positive
attitude
D. you have made a decision on your
own
14. It can be inferred that the author
_________
A. quite agrees with the
B. can
hardly tolerate one's complete enjoyment of life
C. tries to sound persuasive and convincing in
his opinions about
career blues
D.
believes that one can not change hisher
environment
15. What is the author attitude
towards' self-esteem
(Paragraph 2 ) ?
A. unconcerned B.
cautious C. supportive D. negative
答案：DCACC
Passage 4
Paul Tibbets is a good-
natured old man with thick white hair who
speaks thoughtfully. The lively 85-year-old
was the pilot and
commander of the bomber who
dropped the first-ever atom bomb on the
Japanese city of Hiroshima on August 6, 1945.
He is a controversial
(争议的) figure in world
history but most Americans regard him as
a
hero. Tibbets never tires of recalling the
operation that was to
shape the rest of his
life. More than 140,000 people were killed in
the atomic explosion and tens of thousands of
others died from the
after-effects of
radiation (辐射). “I didn’t realize at the time
what effect dropping the atom bomb would have.
Our aim was to do
everything to beat the
Japanese. They were our enemies and we were
at
war. We wanted to see an end to the killing so
that our soldiers
could come home,” said
Tibbets. Although Tibbets was following
orders
he has been forced to confront the moral impact of
the bombing.
His name became known throughout
the world along with that of the
plane used to
drop the atom bomb. From that day on he is “the
man
who dropped the atom
bomb”. “After the war I met President Truman,”
said Tibbets. “He told me I had done my duty
and that if anyone
criticized me for dropping
the bomb I should send that person to see
him
because he gave me the order to do so.” The
retired general has
been around the world a
lot since then but has never gone back to
Japan.
16. What’s Paul Tibbets well-
known for?
A. He is famous for his good
appearance.
B. He is famous for his long
life.
C. He is known for an excellent
pilot.
D. He is known as the commander who
dropped the first atom
bomb in Japan.
Tibbets is a person __________.
A.
who is regarded as a hero by all the people
B. who is regarded as a hero by most Americans
C. who knows well about Japanese cities
D. who knows well about world history
ing to the passage, which of
the following statements
is TRUE?
A.
Tibbets tires of recalling the operation.
B. This operation affected the rest of Tibbet’s
life greatly.
C. Fourteen thousand people
died from the after -effects of
radiation.
D. Only tens of thousands of people were
killed by the atomic.
the passage, we
probably can know that __________.
A.
Tibbets clearly knew the effect about dropping the
atom
bomb at first
B. Soldiers were
eager to end the war as quickly as possible
C. Tibbets’ name is well-known throughout the
world with that
plane
D. Tibbets
needn’t face the moral complaint of bombing
author’s description about Paul Tibbets is
__________.
A. glad
B. sad
C. objective
D. subjective
答案：DBBBC
第二部分：专业能力题
一、单项选择题
1．存款准备金等于（D）。
A.库存现金＋法定存款准备金
B.库存现金＋超额准备金
C.法定存款准备金－超额准备金
D.库存现金＋商业银行在中
央银行的存款
2．项目融资的核心是（B）。
A.项目投资结构 B.项目融资结构
C.项目资金结构
D.项目担保结构
解析：项目融资的四个基本模块：项目投资结构、项目融资结构、.项
目资
金结构、项目担保结构，核心是融资结构。
是指（D）。
A.项目融资 B.证券融资 C.公司融资
D.资产担
保证券
4．国家开发银行的贷款主要是（ B ）
A软贷款
B硬贷款 C专项贷款 D转贷款
5.中国农业发展银行的资金主要来源于（ A ）
A中央银行的再贷款
B发行金融债券
C财政拨付资金 D发行股票
6．上海、深圳证交所实行（ A ）交割方式完成清算交易。
A.T+1
B.T+2 C.T+0 D.T+3
7．我国经纪类证券公司只能从事（ B ）业务。
A承销
B交易中介 C自营 D买卖
8.国有重点金融机构监事会以（ D ）为核心。
A市场准入
B市场推出 C资产增值 D 财
务监督
9．在同业拆借市场交易的是（ B ）。
A法定存款准备金
B超额准备金 C库存现金
D原始存款
10．在二级银行体制下，货币供给量等于（D）。
A.存款总额与货币乘数之积 B.原始存款与货币乘数之积
C.派生存款与货币乘数之积 D.基础货币与货币乘数之积
11．商业银行帐户的货币是（B）。
A.基础货币 B.普通货币
C.高能货币 D.强力货币
12．在存款乘数公式中，最大的不足是其中未包括（
B ）因素。
A货币流通速度 B流通中的现金
C货币供给量
D货币需求量
13．信用是（ B ）暂时让渡
A财产所有权 B财产使用权 C财产收益权
D财
产处置权
14．（ B ）提出了存款创造理论。
A麦克劳德
B约翰劳 C 凯恩斯 D弗
里德曼
15．下列关于市场主导的金融体系的说法，不正确的是( B )。
A．直接融资比重大
B．金融机构种类少
c．企业融资更多依赖于包括风险资本在内的外部融资
D．企业融资更多通过金融市场进行
16．下列关于项目融资的有限追索权表述中，不正确的是（B）。
A.时间上的有限性
B.资金使用上的有限性
C.金额上的有限性 D.对象上的有限性
17．在项目融资中一般需要( D )。
A．抵押担保 B．质押担保
C．保证贷款 D．严谨的担保体系
18．在多数情况下，项目融资中的借款单位是( B )。
A．项目建设工程公司
B．项目公司
C．出口信贷机构 D．项目管理公司
19．我国决定从（
C）年9月21日开始，放开外币存贷款利率。
A.1998 B.1999 C.2000
D.2001
20．有价证券理论价格计算的基础是一定市场利率和证券（C）。
A.交易量 B.现期收益
C.预期收益 D.交割量
21．票据交易价格主要取决于（ A ）。
A.市场利率 B.票面利率
C.票面价值 D.到期价格
22．（ A
）是现代投资组合理论的创始人。
A 马科维茨
B 夏普
C 莫顿 D 米勒
23．20XX年《稳步推进利率市场化报告》中，利率市场化最为核心的
问题是（ A
）
A变革融资活动的风险定价机制
B贷款利率市场化
C存款利率市场化
D扩大利率浮动区间
24．当市场利率高于债券收益率时，债券会（ B ）
A平价发行 B折价发行 C溢价发行 D等价发行
25．根据购买力平价理论，通货膨胀高的国家货币汇率（ B ）。
A升水 B贬值
C升值 D贴水
26．政府在不特别指明或事先承诺汇率目标的情况下，通过积极干预
外汇
市场来影响汇率变动。按国际货币基金的划分，这种汇率制度是（D）。
A.传统钉住安排
B.爬行区间
C.独立浮动 D.有管理浮动
27．跨国公司在对海外子公司财务报表进行并表处理时遇到的汇率风
险类型是（B）。
A.交易风险 B.折算风险
C.经营风险
D.经济风险
28．某国20XX年的有关经济指标如下：出口1600亿美元，进口1300
亿美元，未清偿外债余额为460亿美元，其中，短期外债占15％，国民生
产总值为3820亿美元
。该国的负债率为（ A ）。
A.12.0％ B.15.3% C.28.8%
D.35.4%
29．阿根廷从1991年开始实行“兑换计划”，以法律形式规定了比索
兑
美元1:1的固定汇率，同时每1比索的货币发行都必须有1美元的储备
作为支持，这种汇率安排属于（
C）。
A.无单独法定货币安排 B.传统钉住安排
C.货币局安排 D.爬行钉住
30．无追索权的票据贴现方式是（B）。
A.提前或延期结汇
B.福费廷
C.借款与投资 D.即期外汇交易
31．商业银行新的业务运营模式的核心是（ A ）
A．前后台分离
B．突出后台的重要性
C．重视前台的营销
D．后台集中监督
32．20XX年底，全国银行平均不良资产比率降到（ A ）以下。
A．10％
B．8％
C．12％
D．15％
33．商业银行财务管理的核心是（A ）
A价值管理
B成本管理
C财产管理
D资本金管理
34．根据20XX年中国银行业监督管理委员会发布的
《商业银行风险监
管核心指标》，反映银行资产负债比例方面的指标主要体现在（A）层次上。
A.风险水平 B.风险分散
C.风险迁徙 D.风险抵补
35．下列不属于资产管理内容的是（A）。
A.资本管理 B.准备金管理
C.贷款管理 D.证券投资
管理
解析：资本管理属于商业银行的负债管理
36．（A）是商业银行不直接承担或形成债权债务，不动用自己
的资金，
替客户办理支付及其他委托事宜而从中收取手续费的业务。
A.中间业务
B.信用业务 C.货币业务 D.表外
业务
37．西尔伯的诱致假说认为金融创新就是为了（ B ）
A.规避管制
B.寻求利润的最大化
C.制度变革
D.降低交易成本
38．交易双方
依据预先约定的规则，在未来的一定时期内，彼此对调
一系列现金流量（本金、利、价差等）的交易行为
，称之为（ D ）
A.金融期货
B.金融期权
C.远期合约
D.互换
39．（ B ）构成了金融业务创新的核心内容
A金融工具创新
B商业银行业务创新
C金融市场创新
D中间业务创新
40．金融制度的创新是指（ C ）
A分业经营到混业经营的改变
B金融市场的监管与发展关系的确定
C金融体系与金融机构的新变化
D与国际惯例接轨
41．弗里德曼的货币需求函数为（D）。
A. Md＝L1（Y）＋L2（I）
B. Md＝PTV
C. Md＝KPY
D.
Md＝f(Yp，W；r.，rm，re，1P•dpdt；u)P
42．采用向中央银行借款或透支方式弥补财政赤字时对货币供应量的
影响是（B）。
A.货币供应量数倍减少 B.货币供应量数倍增加
C.货币供应量不变
D.二者之间没有关系
解析：财政向银行借款或透支，把资金拨给下属单位使用，会造成商
业
银行存款增加，存款准备金增加，货币供应量增加。
43．凯恩斯认为，如果预期利率下跌，则（ B ）。
A.人们愿意多持股票少持债券
B．人们愿意多持债券少持货币
C.人们愿意多持现金少持存款
D．人们愿意多持现金少持股票
44．西方学者划分货币层次的主要依据是（ B ）。
A.可兑换性 B.流动性 C.稳健性 D.收益性
45．（ A）认为通货膨胀在任何时空条件下都是一种货币现象
A．弗里德曼
B．罗宾逊
C．萨谬尔森 D．哈耶克
46．政府发行公债后可以利用（ D ）抑制社会总需求。
A．消费效应
B．财富效应
C．利率效应 D．挤出效应
47．高失业与高通胀并存的局面称为（ C ）
A．通胀
B．萧条
C．滞胀 D．危机
48．我国的货币政策目标是( A )。
A．保持货币币值的稳定，并以此促进经济增长
B．稳定币值
C．经济增长，充分就业
D．经济增长
49．在公开市场业务操作中，当正回购到期，中国人民银行要进行的
操作是向市场（B）。
A.现券买断B.投放流动性
C.收回流动性D.现券卖断
50．中国人民银行从银行间外汇市场购入外汇时，相应会（B）。
A.回笼基础货币
B.投放基础货币
C.购入基础货币
D.买断基础货币
51．央行最早拥有的货币政策工具是（ A ）
A再贴现
B存款准备金
C公开市场业务 D货币供应量
52．公开市场业务作为中央银行一般性货币政策工具之一，缺点在于
（C）。
A.缺乏主动权 B.缺乏弹性
C.从实施到影响最终目标，时滞较长 D.无法进行逆向操作
53．反映基础货币与货币供应量、信贷总额、政府预算以及国际收支
之间的关系及相互影响的是（C）。
A.货币概览
B.存款银行货币概览
C.货币当局概览 D.银行概览
54．货币当局从判断经济形势，研究制订政策到组织实施的时间称为
（B）。
A.外部时滞 B.内部时滞
C.政策时滞
D.研究时滞
55．在市场经济条件下，金融机构承担全部风险和亏损的保证是（A）。
A.资本 B.资产
C.负债 D.存款
56．监管被看成是政府用来改善资源配置和收入分配手段的管制理论
是（B）。
A.特殊利益论 B.公共利益论 C.社会选择论 D.经济监管论
57.
对银行没有实行分业监管体制的国家是（C）。
A.美国 B.英国
C.德国 D.法国
58．共同基金的出现解决的问题是（C）。
A.信息不对称 B.金融抑制 C.交易成本
D.道德风
险
59．下列表现不属于汇率管制对经济增长造成的干扰是（D）。
A.外汇市场的配置效率低下
B.外汇市场的运行效率低下
C.中央银行干预外汇市场的被动性使货币政策在很大程度上丧失了自
主性，对财政政策也形成
了不小的约束
D.导致资金的低成本，使得一些产出率较低的项目也能产生利润，一
些本
来在市场均衡条件下借不到钱的借款人也获得了融资
60．雷蒙德•W•戈德史密斯在掌握大量统计资
料的基础上，认为金融发
展与经济增长的关系是（A）。
A.经济发展与金融发展之间存在着大致平行的关系
B.经济发展与金融发展成反比的关系
C.经济发展与金融发展之间没有必然的联系
D.在不同的阶段，二者呈现不同的关系
二、判断对错题
71.以前的
四大专业银行的各自分工为：工商银行专门经营工商信贷和
个人储蓄业务，农业银行专门经营农村金融业
务，中国银行专门从事中央
银行业务，建设银行专门经营基础设施建设等长期信用业务。（）
72.根据《村镇银行管理暂行规定》，我国村镇银行不能代理政策性、
商业银行等金融机构的业务。（）
73.一个国家的国际收支差额不能是巨额的收支赤字，要保持收支盈
余，盈余越多越好。（）
74.存款准备金制度建立之初并非货币政策工具，后来才逐渐发展成货
币政策工具的一种。（
）
75.中国人民银行公布的存贷款基准利率属于名义利率，各家金融机构
实际操作中在规定
范围内与客户商定的利率属于实际利率。（）
76.从20XX年9月21日起，我国对活期存款实行
按季度结息，每季度
末月的20日为结息日。（）
77.商业银行外汇买卖中间价由各商业银行自行确定。（）
78.操作风险是贷款业务的最
主要风险，是指借款人不能按约定时间足
额归还贷款本金和利息的风险。（）
79.短期贷款
通常是指流动资金贷款，是为了满足客户在生产经营过程
中资本投人性的资金需求，保证生产经营活动的
正常进行而发放的贷款。（）
80.银行对市场中的金融工具进行短期（一年及一年以内）买卖的活动
称做银行的短期资金业务。（）
参考答案：FFFTFTFFFF