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考完了,不管結(jié)果如何,希望能給以后的師弟師妹們留下一些有用的資料,也以此答謝應(yīng)屆生論壇、以及壇子里的XDJM們。2023年建行總行的筆試共155道題,70道專業(yè)題,15道英語,70綜合測試(類似于公務(wù)員行測),考試時間180分鐘,時間基本上是充足的。從難度上看,綜合測試比公務(wù)員要簡樸不少,特別是數(shù)學、資料分析。英語大約與六級難度相稱,也不算難。能拉開距離的應(yīng)當是專業(yè)測試,由于建行的專業(yè)考試范圍很廣,涉及到了金融、經(jīng)濟、管理、市場營銷、財務(wù)會計、計量經(jīng)濟學等各個學科,要想全面覆蓋這些知識面,需要平時的積累。非技術(shù)類的題分值分布是:專業(yè)部分:單選40道,0.5分一題;多選30道,1分一題英語部分:15題,1分一題行測加時事部分:70題,0.5分一題專業(yè)題涉及下面的內(nèi)容:1、法定準備金率2、財政貨幣政策3、歐式期權(quán)4、巴塞爾協(xié)議三大支柱5、參數(shù)估計和殘差6、公司文化7、金融市場的要素8、即期和遠期9、商品的需求彈性10、財務(wù)報表11、盈余公積12、會計利潤13、商業(yè)票據(jù)貼現(xiàn)14、公允價值和賬面價值15、市場細分16、金字塔管理結(jié)構(gòu)中,上級與中級領(lǐng)導比:管理難度與幅度問題17、非貨幣性商品互換中關(guān)于具有商業(yè)實質(zhì)和沒有商業(yè)實質(zhì)的問題18、積極的財政政策與擴張的貨幣政策的使用范圍19、國家償債的率20、財務(wù)杠桿問題21、關(guān)于物權(quán)法中的留置權(quán)22、市場占有率:某公司的市場占有率是30%,其他最大三個競爭對手的市場占有率分別為20%,12%,8%。問該公司的相對市場占有率23、有限責任公司股東轉(zhuǎn)讓股份的條件24、信用卡信用額度的確認25、銀行整存整取問題26、貨幣市場工具27、公司戰(zhàn)略:當公司處在成長期應(yīng)當:擴大市場占有率?28、哪個屬于會計政策變跟:房地產(chǎn)由成本法改為公允價值?不記得了29、關(guān)于內(nèi)部欺詐問題30、新巴賽爾協(xié)議中關(guān)于逾期貸款的風險權(quán)重31、商業(yè)銀行法中關(guān)于客戶貸款的問題32、公司申請貸款不需審核的什么。。。。。。33、關(guān)于歐式看漲期權(quán)說法對的的是:利率上漲及期權(quán)時間等對期權(quán)價格的影響34、回購債券價格的決定因素35、記錄的擬合優(yōu)度公式36、會計的暫時性差異37、國際結(jié)算中關(guān)于福費庭的問題38、發(fā)現(xiàn)同事們內(nèi)部欺詐,你怎么做39、稅法中關(guān)于定額稅40、經(jīng)濟法中關(guān)于格式條款和非格式條款41、什么是違反了金融管理的行為42、會計里暫時性差異43、會計政策變更及會計報表調(diào)整44、項目貸款英語有三篇閱讀理解:1、第一篇是反戰(zhàn)的2、第二篇是關(guān)于美元貶值的3、第三篇是關(guān)于網(wǎng)絡(luò)出版的據(jù)說是考研和六級題,在網(wǎng)上一查,果然是的。所以能給大家奉上完整的題目!美元貶值那一篇的語言十分冷風趣,挺故意思的。Text2Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingat(yī)arecordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperat(yī)orsinMiami-forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthat(yī)hasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2023peak?ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,whichthanksinparttotheweakdollar,soared11percentbetweenMay2023andMay2023.Forfirstfivemonthsof2023,thetradedeficitactuallyfell7percentfrom2023.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstickbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeveragebusiness.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacat(yī)iontoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.52.WhydoAmericansfeelhumiliat(yī)ed?A)TheireconomyisplungingB)Theycan’taffordtripstoEuropeC)TheircurrencyhasslumpedD)Theyhavelosthalfoftheirassets.53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?TheyhavetocanceltheirvacationsinNewEngland.Theyfinditunaffordabletodineinmom-and-poprestaurants.Theyhavetospendmoremoneywhenbuyingimportedgoods.Theymightlosetheirjobsduetopotentialeconomicproblems.54HowdomanyEuropeansfeelabouttheU.Swiththedevalueddollar?TheyfeelcontemptuousofitTheyaresympatheticwithit.Theyregarditasasuperpoweronthedecline.Theythinkofitasagoodtouristdestination.55whatistheauthor’sadvicetoAmericans?TheytreatthedollarwithalittlerespectTheytrytowinintheweak-dollargambleTheyvacationathomeratherthanabroadTheytreasuretheirmarriagesallthemore.56Whatdoestheauthorimplybysaying“currenciesdon’tturnonadime”(Line2,Para7)?Thedollar’svaluewillnotincreaseintheshortterm.ThevalueofadollarwillnotbereducedtoadimeThedollar’svaluewilldrop,butwithinasmallmargin.FewAmericanswillchangedollarsintoothercurrencies.Theanswersasfollow:52,B,Theircurrencyhasslumped.53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.54,D,Theythinkofitasagoodtouristdestination.55,C,Theyvacationathomerat(yī)herthanabroad.56,A,Thedollar'svaluewillnotincreaseintheshortterm.Text3Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthelaboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwouldthenremovetheauthors’namesandaffiliationsfromthepaperandsendittotheirpeersforreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperforpublicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchersseekingknowledgeoftheresultswouldhavetosubscribetothejournal.Nolonger.TheInternet–andpressurefromfundingagencies,whoarequestioningwhycommercialpublishersaremakingmoneyfromgovernment-fundedresearchbyrestrictingaccesstoit–ismakingaccesstoscientificresultsareality.TheOrganizationforEconomicCo-operat(yī)ionandDevelopment(OECD)wasjustissuedareportdescribingthefar-reachingconsequencesofthis.Thereport,byJohnHoughtonofVictoriaUniversityinAustraliaandGrahamVickeryoftheOECD,makesheavyreadingforpublisherswhohave,sofar,madehandsomeprofits.Butitgoesfurtherthanthat.Itsignalsachangeinwhathas,untilnow,beenakeyelementofscientificendeavor.Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.Itisbigbusiness.InAmerica,thecorescientificpublishingmarketisestimatedat(yī)between$7billionand$11billion.TheInternationalAssociationofScientific,TechnicalandMedicalPublisherssaysthattherearemorethan2,000publishersworldwidespecializinginthesesubjects.Theypublishmorethan1.2millionarticleseachyearinsome16,000journals.Thisisnowchanging.AccordingtotheOECDreport,some75%ofscholarlyjournalsarenowonline.Entirelynewbusinessmodelsareemerging;threemainoneswereidentifiedbythereport’sauthors.Thisistheso-calledbigdeal,whereinstitutionalsubscriberspayforaccesstoacollectionofonlinejournaltitlesthroughsite-licensingagreements.Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.Finally,thereareopen-accessarchives,whereorganizationssuchasuniversitiesorinternationallaboratoriessupportinstitutionalrepositories.Othermodelsexistthatarehybridsofthesethree,suchasdelayedopen-access,wherejournalsallowonlysubscriberstoreadapaperforthefirstsixmonths,beforemakingitfreelyavailabletoeveryonewhowishestoseeit.Allthiscouldchangethetraditionalformofthepeer-reviewprocess,atleastforthepublicationofpapers.6.Inthefirstparagraph,theauthordiscusses[A]thebackrmationofjournalediting.[B]thepublicationroutineoflaborat(yī)oryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublicat(yī)ion.7.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.[B]Itintroducesaneffectivemeansofpublication.[C]Itupsetsprofit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.8.Accordingtothetext,onlinepublicationissignificantinthat(yī)[A]itprovidesaneasieraccesstoscientificresults.[B]itbringshufitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.9.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.[B]subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepeer-reviewbeforesubmission.10.Whichofthefollowingbestsummarizesthemainideaofthepassage?[A]TheInternetisposingathreattopublishers.[B]Anewmodeofpublicationisemerging.[C]Authorswelcomethenewchannelforpublication.[D]Publicationisrenderedeasierbyonlineservice.參考答案:DCAAB26.Inthefirstparagraph,theauthordiscusses[A]thebackgroundinformationofjournalediting.thepublicationroutineoflaboratoryreports.[C]therelationsofauthorswithjournalpublishers.[D]thetraditionalprocessofjournalpublication.[對的答案]D[答案解析]概括段落大意。本文談的是通過互聯(lián)網(wǎng)發(fā)表研究成果的一種新方式,指出了三大業(yè)務(wù)模式。第一段先談傳統(tǒng)的雜志出版(論文發(fā)表)流程,以此引出話題,所以對的答案是D。A選項journalediting沾點邊,但不吻合。做這類題及主題題型可以使用逆向法,即思緒是:假如真要寫journalediting的,那應(yīng)當從如何編輯,如何取舍及一些編輯的細節(jié)入手,而本段明顯不是。B離題更遠,實驗報告,從何談起呀?C作者與雜志社的關(guān)系,這個流程是涉及到,但要談的不是這個。總之,此題從本段的內(nèi)容,本段在全篇的作用,以及本文要談的主題角度,可以擬定對的答案。[信心指數(shù)]99.9%27.WhichofthefollowingistrueoftheOECDreport?[A]Itcriticizesgovernment-fundedresearch.Itintroducesaneffectivemeansofpublication.[C]Itupfit-makingjournalpublishers.[D]Itbenefitsscientificresearchconsiderably.[對的答案]C[答案解析]A肯定不對,報告并未批評政府資助的研究,是fundingagencies批評commercialpublishers,也就是這些資助一些研究項目的機構(gòu)質(zhì)詢商業(yè)出版機構(gòu),我出錢,是為社會受益,咋變成你受益了呢?這個選項錯在張冠李戴。B也不對,報告引進(introduces)了一種新的出版方式嗎?不是它吧?誰呢?TheInternetismakingaccesstoscientificresultsareality.是Internet,對吧?C對的。Why?事實上是考對這句話的理解:Thereportmakesheavyreadingforpublishers.“heavyreading”是啥意思呢?費力的閱讀。此處的heavy意為hardtodooraccomplish;arduous。字面的意思是,這個報告讓獲取巨大利潤的出版商們讀起來費勁。為什么讀起來費勁啊?是他們的詞匯量不夠讀不懂嗎?當然不是,結(jié)合文章所述內(nèi)容,是由于這個報告直指要害,觸及了他們。讀出了這層意思,C選項當然就可以大膽選啦!D選項不對,全文核心意思,是互聯(lián)網(wǎng)出版方式會給科學研究帶來巨大的好處,使得科學成果更容易被人分享。并不是這個報告自身對科學研究帶來多大好處。當然啦,這個報告既然指出了這個趨勢,或多或少總能讓科研受益一些,但注意命題者還刻意加了一個considerably,一篇報告能有如此“相稱的”作用?[信心指數(shù)]99.9%28.Accordingtothetext,onlinepublicationissignificantinthat(yī)[A]itprovidesaneasieraccesstoscientificresults.itbringshugeprofitstoscientificresearchers.[C]itemphasizesthecrucialroleofscientificknowledge.[D]itfacilitatespublicinvestmentinscientificresearch.[對的答案]A[答案解析]文中兩句話決定A對的,一是TheInternetismakingaccesstoscientificresultsareality.二是Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.也就是知識的價值在于其廣泛傳播和即時獲取,而互聯(lián)網(wǎng)使得科學成果的很容易獲取變?yōu)楝F(xiàn)實。這不就是基于互聯(lián)網(wǎng)的在線出版的重大意義嗎!B不對,由于文章始終沒有談?wù)撗芯空叩墨@利問題,要說談,它也只是談了scientificpublishingmarket是一個bigbusiness。并且,在線學術(shù)期刊的第二種業(yè)務(wù)模式(open-accesspublishing),還得研究者自己掏腰包的!科學知識自身無比重要的作用不在本文討論范圍,C不對。促進對科學研究的公共投資也無從談起,D亦被輕松排除。[信心指數(shù)]99.9%29.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto[A]coverthecostofitspublication.subscribetothejournalpublishingit.[C]allowotheronlinejournalstouseitfreely.[D]completethepeer-reviewbeforesubmission.[對的答案]A[答案解析]考對這句話的理解:Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.通過作者本人(或其老板)付費發(fā)表的方式支持開架在線閱覽,注意,這里的付費,付什么費用呀?付給出版網(wǎng)站的費嗎?我的想應(yīng)當是發(fā)表論文的研究費用,A選項所指即這個,當然這是題外話。B乃空穴來風,毫無根據(jù)。C有一定的干擾性,本來這層意思本文也是只字示提,但既然是open-accesspublishing嘛,那用戶應(yīng)當是可以免費使用的。但是不是otheronlinejournals也可以免費使用呢(轉(zhuǎn)載等),這似乎就走得遠了點,原文并未提供這方面的信息,排除。D選項輕松排除。[信心指數(shù)]99.9%30.Whichofthefollowingbest
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