历年建行总行笔试试题和答案

历年建行总行笔试试题和答案

　　2009年建行总行的笔试共155道题，70道专业题，15道英语，70综合测试(类似于公务员行测)，考试时间180分钟，时间基本上是充分的。

　　从难度上看，综合测试比公务员要简单不少，特别是数学、资料分析。英语大概与六级难度相当，也不算难。

　　能拉开距离的应该是专业测试，因为建行的专业考试范围很广，涉及到了金融、经济、管理、市场营销、财务会计、计量经济学等各个学科，要想全面覆盖这些知识面，需要平时的积累。

　　专业题涉及下面的内容：

　　1、法定准备金率

　　2、财政货币政策

　　3、欧式期权

　　4、巴塞尔协议三大支柱

　　5、参数估计和残差

　　6、企业文化

　　7、金融市场的要素

　　8、即期和远期

　　9、商品的需求弹性

　　10、财务报表

　　11、盈余公积

　　12、会计利润

　　13、商业票据贴现

　　14、公允价值和账面价值

　　15、市场细分

　　16、金字塔管理结构中，上级与中级领导比：管理难度与幅度问题

　　17、非货币性商品交换中关于具有商业实质和没有商业实质的问题

　　18、积极的财政政策与扩张的货币政策的使用范围

　　19、国家偿债的率

　　20、财务杠杆问题

　　21、关于物权法中的留置权

　　22、市场占有率：某公司的市场占有率是30%，其他最大三个竞争对手的市场占有率分别为20%，12%,8%。问该公司的相对市场占有率

　　23、有限责任公司股东转让股份的条件

　　24、信用卡信用额度的确认

　　25、银行整存整取问题

　　26、货币市场工具

　　27、企业战略：当企业处于成长期应该：扩大市场占有率?

　　28、哪个属于会计政策变跟：房地产由成本法改为公允价值?不记得了

　　29、关于内部欺诈问题

　　30、新巴赛尔协议中关于逾期贷 款的风险权重

　　31、商业银行法中关于客户贷 款的问题

　　32、公司申请贷 款不需审核的什么。。。。。。

　　33、关于欧式看涨期权说法正确的是：利率上涨及期权时间等对期权价格的影响

　　34、回购债券价格的决定因素

　　英语有三篇阅读理解：

　　1、第一篇是反战的

　　2、第二篇是关于美元贬值的

　　3、第三篇是关于网络出版的

　　据说是考研和六级题，在网上一查，果然是的。所以能给大家奉上完整的题目!

　　美元贬值那一篇的语言十分冷幽默，挺有意思的。

　　Text 2

　　Imagine waking up and finding the value of your assets has been halved. No, you’re not an investor in one of those hedge funds that failed completely. With the dollar slumping to a 26-year low against the pound, already-expensive London has become quite unaffordable. A coffee at Starbucks, just as unavoidable in England as it is in the United States, runs about $8.

　　The once all-powerful dollar isn’t doing a Titanic against just the pound. It is sitting at a record low against the euro and at a 30-year low against the Canadian dollar. Even the Argentine peso and Brazilian real are thriving against the dollar.

　　The weak dollar is a source of humiliation, for a nation’s self-esteem rests in part on the strength of its currency. It’s also a potential economic problem, since a declining dollar makes imported food more expensive and exerts upward pressure on interest rates. And yet there are substantial sectors of the vast U.S. economy-from giant companies like Coca-Cola to mom-and-pop restaurant operators in Miami-for which the weak dollar is most excellent news.

　　Many Europeans may view the U.S. as an arrogant superpower that has become hostile to foreigners. But nothing makes people think more warmly of the U.S. than a weak dollar. Through April, the total number of visitors from abroad was up 6.8 percent from last year. Should the trend continue, the number of tourists this year will finally top the 2000 peak? Many Europeans now apparently view the U.S. the way many Americans view Mexico-as a cheap place to vacation, shop and party, all while ignoring the fact that the poorer locals can’t afford to join the merrymaking.

　　The money tourists spend helps decrease our chronic trade deficit. So do exports, which thanks in part to the weak dollar, soared 11 percent between May 2006 and May 2007. For first five months of 2007, the trade deficit actually fell 7 percent from 2006.

　　If you own shares in large American corporations, you’re a winner in the weak-dollar gamble. Last week Coca-Cola’s stick bubbled to a five-year high after it reported a fantastic quarter. Foreign sales accounted for 65 percent of Coke’s beverage business. Other American companies profiting from this trend include McDonald’s and IBM.

　　American tourists, however, shouldn’t expect any relief soon. The dollar lost strength the way many marriages break up- slowly, and then all at once. And currencies don’t turn on a dime. So if you want to avoid the pain inflicted by the increasingly pathetic dollar, cancel that summer vacation to England and look to New England. There, the dollar is still treated with a little respect.

　　52. Why do Americans feel humiliated?

　　A) Their economy is plunging B) They can’t afford trips to Europe

　　C) Their currency has slumped D) They have lost half of their assets.

　　53.How does the current dollar affect the life of ordinary Americans?

　　They have to cancel their vacations in New England.

　　They find it unaffordable to dine in mom-and-pop restaurants.

　　They have to spend more money when buying imported goods.

　　They might lose their jobs due to potential economic problems.

　　54 How do many Europeans feel about the U.S with the devalued dollar?

　　They feel contemptuous of it

　　They are sympathetic with it.

　　They regard it as a superpower on the decline.

　　They think of it as a good tourist destination.

　　55 what is the author’s advice to Americans?

　　They treat the dollar with a little respect

　　They try to win in the weak-dollar gamble

　　They vacation at home rather than abroad

　　They treasure their marriages all the more.

　　56 What does the author imply by saying “currencies don’t turn on a dime” (Line 2,Para 7)?

　　The dollar’s value will not increase in the short term.

　　The value of a dollar will not be reduced to a dime

　　The dollar’s value will drop, but within a small margin.

　　Few Americans will change dollars into other currencies.

　　The answers as follow:

　　52,B, Their currency has slumped.

　　53,C, They have to spend more money when buying imported goods.

　　54,D, They think of it as a good tourist destination.

　　55,C, They vacation at home rather than abroad.

　　56,A, The dollars value will not increase in the short term.

　　Text 3

　　It used to be so straightforward. A team of researchers working together in the laboratory would submit the results of their research to a journal. A journal editor would then remove the authors’ names and affiliations from the paper and send it to their peers for review. Depending on the comments received, the editor would accept the paper for publication or decline it. Copyright rested with the journal publisher, and researchers seeking knowledge of the results would have to subscribe to the journal.

　　No longer. The Internet – and pressure from funding agencies, who are questioning why commercial publishers are making money from government-funded research by restricting access to it – is making access to scientific results a reality. The Organization for Economic Co-operation and Development (OECD)was just issued a report describing the far-reaching consequences of this. The report, by John Houghton of Victoria University in Australia and Graham Vickery of the OECD, makes heavy reading for publishers who have, so far, made handsome profits. But it goes further than that. It signals a change in what has, until now, been a key element of scientific endeavor.

　　The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. It is big business. In America, the core scientific publishing market is estimated at between $7 billion and $11 billion. The International Association of Scientific, Technical and Medical Publishers says that there are more than 2,000 publishers worldwide specializing in these subjects. They publish more than 1.2 million articles each year in some 16,000 journals.

　　This is now changing. According to the OECD report, some 75% of scholarly journals are now online. Entirely new business models are emerging; three main ones were identified by the report’s authors. This is the so-called big deal, where institutional subscribers pay for access to a collection of online journal titles through site-licensing agreements. There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. Finally, there are open-access archives, where organizations such as universities or international laboratories support institutional repositories. Other models exist that are hybrids of these three, such as delayed open-access, where journals allow only subscribers to read a paper for the first six months, before making it freely available to everyone who wishes to see it. All this could change the traditional form of the peer-review process, at least for the publication of papers.

　　6. In the first paragraph, the author discusses

　　[A] the background information of journal editing.

　　[B] the publication routine of laboratory reports.

　　[C] the relations of authors with journal publishers.

　　[D] the traditional process of journal publication.

　　7. Which of the following is true of the OECD report?

　　[A] It criticizes government-funded research.

　　[B] It introduces an effective means of publication.

　　[C] It upsets profit-making journal publishers.

　　[D] It benefits scientific research considerably.

　　8. According to the text, online publication is significant in that

　　[A] it provides an easier access to scientific results.

　　[B] it brings huge profits to scientific researchers.

　　[C] it emphasizes the crucial role of scientific knowledge.

　　[D] it facilitates public investment in scientific research.

　　9. With the open-access publishing model, the author of a paper is required to

　　[A] cover the cost of its publication.

　　[B] subscribe to the journal publishing it.

　　[C] allow other online journals to use it freely.

　　[D] complete the peer-review before submission.

　　10. Which of the following best summarizes the main idea of the passage?

　　[A] The Internet is posing a threat to publishers.

　　[B] A new mode of publication is emerging.

　　[C] Authors welcome the new channel for publication.

　　[D] Publication is rendered easier by online service.

　　参考答案：本帖隐藏的'内容需要回复才可以浏览

　　26. In the first paragraph, the author discusses

　　[A] the background information of journal editing.

　　the publication routine of laboratory reports.

　　[C] the relations of authors with journal publishers.

　　[D] the traditional process of journal publication.

　　[正确答案]D

　　[信心指数]99.9%

　　27. Which of the following is true of the OECD report?

　　[A] It criticizes government-funded research.

　　It introduces an effective means of publication.

　　[C] It upsets profit-making journal publishers.

　　[D] It benefits scientific research considerably.

　　[正确答案]C

　　[信心指数]99.9%

　　28. According to the text, online publication is significant in that

　　[A] it provides an easier access to scientific results.

　　it brings huge profits to scientific researchers.

　　[C] it emphasizes the crucial role of scientific knowledge.

　　[D] it facilitates public investment in scientific research.

　　[正确答案]A

　　29. With the open-access publishing model, the author of a paper is required to

　　[A] cover the cost of its publication.

　　subscribe to the journal publishing it.

　　[C] allow other online journals to use it freely.

　　[D] complete the peer-review before submission.

　　[正确答案]A

　　30. Which of the following best summarizes the main idea of the passage?

　　[A] The Internet is posing a threat to publishers.

　　A new mode of publication is emerging.

　　[C] Authors welcome the new channel for publication.

　　[D] Publication is rendered easier by online service.

　　[正确答案]B

　　[信心指数]99.9%

　　综合测试有言语理解、数学、判断推理、综合测试和常识。

　　相传古时候有两座怪城,一座“真城”，一座“假城”。真城里的人个个讲真话，假城里的人个个讲假话。一位知晓这一情况的旅行者第一次来到其中一个城市，他只要问遇到的第一个人一个答案“是”或“否”的问题，就会明白自己所到的是真城还是假城。以下哪个问题是最恰当的：

　　A、你是真城里的人吗?

　　B、你是假城里的人吗?

　　C、你说真话吗?

　　D.你是说假话的人吗?

　　E.你是这座城市的人吗?

　　正确答案：E

　　解析：本帖隐藏的内容需要回复才可以浏览

　　一个金鱼缸里有10条金鱼，刚刚死了4条，问鱼缸中还有多少条金鱼?

　　选项有 10 4 6 8

　　常识部分能记得的有几题：

　　2、政府机构改革后的部门(国务院组成部门调至27个)

　　3、奥运会开幕式上姚明牵的是谁(抗震救灾小英雄林浩)

　　4、我有一个梦想演讲中的节选，问是谁说的(马丁·路德·金)

　　5、构建社会主义和谐社会是贯穿---的长期历史任务?(中国特色社会主义事业全过程)

　　6.印花税下调的时间(2008年09月19日)

　　7.火炬手金晶是什么比赛选手(残疾人击剑队员)

　　8.陈云林访台的成果不包括哪个(包括两岸空运直航海运直航、邮政合作、食品安全四项协议，剩下的那一项就是了。)

　　9、08年雪灾为什么造成那么大的危害

　　10、经济危机中扩大内需的方法