2024年全國銀行招聘之銀行招聘綜合知識考試高頻題詳細(xì)參考解析

姓名:_________________編號:_________________地區(qū):_________________省市:_________________ 密封線 姓名:_________________編號:_________________地區(qū):_________________省市:_________________ 密封線 密封線 全國銀行招聘考試重點試題精編注意事項:1.全卷采用機器閱卷，請考生注意書寫規(guī)范；考試時間為120分鐘。2.在作答前，考生請將自己的學(xué)校、姓名、班級、準(zhǔn)考證號涂寫在試卷和答題卡規(guī)定位置。

3.部分必須使用2B鉛筆填涂;非選擇題部分必須使用黑色簽字筆書寫，字體工整，筆跡清楚。

4.請按照題號在答題卡上與題目對應(yīng)的答題區(qū)域內(nèi)規(guī)范作答，超出答題區(qū)域書寫的答案無效:在草稿紙、試卷上答題無效。一、選擇題

1、Ihearmanyparentssayingthattheirteenagechildrenarerebellion.Iwishitwereso.Atyourageyououghttobegrowingawayfromyourparents.Youshouldbelearningtostandonyourowntwofeet.Buttakeagoodlookatthepresentrebellion.Itseemsthatteenagersarealltakingthesamewayofshowingthattheydegreewiththeirparents.Insteadofstrikingoutbravelyontheirown,mostofthemaretryingtoseizeatoneanother’shandsforsafety.Theysaytheywanttodressastheyplease.Buttheyallwearthesameclothes.Theysetoffinnewdirectionsinmusic.Butsomehowreasonforthinkingoractinginthus-and-suchawayisthatthecrowdisdoingit.Theyhavecomeoutoftheircocoon—intoalargercocoon.Ithasbecomeharderandharderforateenagertostandupagainstthepopularitywaveandtogohisorherownway.Industryhasfirmlyopenedupateenagemarket.ThesedayseveryteenagercanlearnfromnewspapersandTVwhatateenagershouldhaveandbe.Andmanyoftoday’sparentshavecometoawardhighmarksforthepopularityoftheirchildren.Allthisaddsuptogreatdifficultyfortheteenagerwhowantstofindhisorherownpath.Butthedifficultyisworthgettingover.Thepathisworthfollowing.Youmaywanttolistentoclassicalmusicinsteadofgoingtoaparty.Youmaywanttocollectrockswheneveryoneelseiscollectingrecords.Youmayhavesomethoughtsthatyoudon’tcaretoshareatoncewithyourclassmates.Well,gotoit.Findyourself.Beyourself.Popularitywillcome—withthepeoplewhorespectyouforwhoyouare.That’stheonlykindofpopularitythatreallycounts.Accordingtothewriter,manyteenagersthinktheyarebraveenoughtoactontheirown,but,infact,mostofthem（）.A.arenotsureofthemselvesB.havemuchdifficultyinunderstandingeachotherC.darenotdothingsD.areverymuchafraidofgettinglost

2、下列各項中，既包含在M0中，又包含在M1中的是（）。A.流通中的現(xiàn)金B(yǎng).農(nóng)村存款C.企業(yè)單位活期存款D.城鄉(xiāng)居民儲蓄存款

3、下列字符中，其ASCII碼值最大的是（）。A.9B.DC.aD.y

4、DradeTechnologieshasresponded____toourproposalforitsnewadvertisingcampaign.A.favorableB.favoringC.favorablyD.favorite

5、Globalwarmingiscausingmorethan300,000deathsandabout$125billionineconomiclosseseachyear,accordingtoareportbytheGlobalHumanitarianForum,anorganizationledbyAnnan,theformerUnitedNationssecretarygeneral.Thereport,tobereleasedFriday,analyzeddataandexistingstudiesofhealth,disaster,populationandeconomictrends.Itfoundthathuman-influencedclimatechangewasraisingtheglobaldeathratesfromillnessesincludingmalnutritionandheat-relatedhealthproblems.Butevenbeforeitsrelease,thereportdrewcriticismfromsomeexpertsonclimateandrisk,whoquestioneditsmethodsandconclusions.Alongwiththedeaths,thereportsaidthatthelivesof325millionpeople,primarilyinpoorcountries,werebeingseriouslyaffectedbyclimatechange.Itprojectedthatthenumberwoulddoubleby2030.RogerPielkeJr.,apoliticalscientistattheUniversityofColorado,Boulder,whostudiesdisastertrends,saidtheForum'sreportwas"amethodologicalembarrassment"becausetherewasnowaytodistinguishdeathsoreconomiclossesrelatedtohuman-drivenglobalwarmingamidthemuchlargerlossesresultingfromthegrowthinpopulationsandeconomicdevelopmentinvulnerableregions.Dr.Pielkesaidthat“climatechangeisanimportantproblemrequiringourutmostattention.”Butthereport,hesaid,"willharmthecauseforactiononbothclimatechangeanddisastersbecauseitissodeeplyflawed."However,SorenAndreasen,asocialscientistatDalbergGlobalDevelopmentPartnerswhosupervisedthewritingofthereport,defendedit,sayingthatitwasclearthatthenumberswereroughestimates.Hesaidthereportwasaimedatworldleaders,whowillmeetinCopenhageninDecembertonegotiateanewinternationalclimatetreaty.Inapressreleasedescribingthereport,Mr.Annanstressedtheneedforthenegotiationstofocusonincreasingtheflowofmoneyfromrichtopoorregionstohelpreducetheirvulnerabilitytoclimatehazardswhilestillcurbingtheemissionsoftheheat-trappinggases.Morethan90%ofthehumanandeconomiclossesfromclimatechangeareoccurringinpoorcountries,accordingtothereport.WhatisSorenAndreasen'sviewofthereport?A.ItsconclusionsarebasedoncarefullycollecteddataB.ItisvulnerabletocriticismifthestatisticsarecloselyexaminedC.ItwillgiverisetoheateddiscussionsattheCopenhagenconferenceD.Itsroughestimatesaremeanttodrawtheattentionofworldleaders

6、多路復(fù)用技術(shù)通常分為時分多路復(fù)用、（）和波分多路復(fù)用。A.村分多路復(fù)用B.頻分多路復(fù)用C.幅分多路復(fù)用D.空分多路復(fù)用

7、生產(chǎn)價格形成的前提條件是（）。A.平均利潤的形成B.利潤率的形成C.剩余價值的形成D.超額利潤的形成

8、下列關(guān)于憲法原則的說法哪個是正確的？（）A.社會主義國家的憲法和資本主義國家的憲法都遵循國家主權(quán)、基本人權(quán)、法治和權(quán)力制約原則，并且內(nèi)容相同B.社會主義國家的憲法和資本主義國家的憲法所遵循的基本人權(quán)原則在內(nèi)容上是一致的C.社會主義國家的憲法并未確立基本人權(quán)的原則D.社會主義國家的憲法中權(quán)力制約主要表現(xiàn)為監(jiān)督原則，而資本主義國家的憲法中權(quán)力制約主要表現(xiàn)為分權(quán)原則

9、Thesleepingsoldierreceivedastrong___fromhiscommandingofficer.A.respiteB.reprimandC.revulsionD.rookie

10、國家主席習(xí)近平6日致電（），向非洲國家和人民表示熱烈祝賀，習(xí)近平祝愿非洲國家和人民在聯(lián)合自強、發(fā)展進(jìn)步的道路上不斷取得更大成就。A.第32屆非洲聯(lián)盟峰會B.第34屆非洲聯(lián)盟峰會C.第34屆中非聯(lián)盟峰會D.第35屆非洲聯(lián)盟峰會

11、ArtistsattheZadoneGalleryareabletocreatereproductionsoffamouspaintingsthatare____authenticlooking.A.remarkB.remarkablenessC.remarkableD.remarkably

12、資料：FromCoinstoCreditBankingThroughouttheAgesisaconcisehistoryofbanksandthebankingindustryfromancienttimestothepresent.JamesGallagher,whohasmadeacareerofcoveringfinancialnewsforseveralnewspapers,hasdoneacarefuljobofinvestigatinghissubject.Althoughhepresentsthefactscarefully,Mr.Gallagherhasmadewhatcouldhavebeenadrybookintoonethatisinterestingandenjoyable.Bytellingamusinganecdotesabouthistoricalfigures,hemakesthemcomealive.Evenpeoplewhoarenotparticularlyattractedtothesubjectmatterwillfindthisbookengrossing.WhatmostlikelyisMr.Gallagher'sjob?A.BankerB.LibrarianC.JournalistD.Publisher

13、某珠寶店被盜賊竊走價值l0000美元的鉆石，經(jīng)調(diào)查，作案者肯定是甲、乙、丙、丁四個中的一個，于是，讓這四人作為重大嫌疑對象接受審訊，這四個人的供詞分別為：甲：不是我作的案乙：丁就是罪犯丙：乙是盜竊鉆石的罪犯?。阂沂怯幸庹_陷我現(xiàn)在假定四個人當(dāng)中只有一個人說了真話，那么罪犯是（）。A.甲B.乙C.丙D.丁

14、E—mai1郵件本質(zhì)是（）。A.一個文件B.一份傳真C.一個電話D.一個網(wǎng)頁

15、甲乙合作完成一項工作，由于配合得好，甲的工作效率比單獨做時提高1/10，乙的工作效率比單獨做時提高1/5，甲乙合作6小時完成了這項工作。如果甲單獨做需要11小時，那么乙單獨做需要幾小時？A.13B.16C.18D.20

16、Passage2Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoffcompetitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,namedPSD2.Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEuropecomplainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingupbanks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbebetterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspentmonthlyincomeintoapensionplan.Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonderabouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththirdparties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（網(wǎng)絡(luò)攻擊）.AndthesolutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Thirdpartiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdatadefensesaresolidandaresubjecttoannualregulatoryinspections.Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfromcustomerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthedatauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthatbanksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreaktherules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—suchaslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintechprovidersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbenecessaryWhatcanbeinferredfrompassageontheeffectsofPSD2inthesecondparagraph（）A.CustomersaremorelikelytoenjoymoreinnovativeservicesB.PeoplewillnolongergotobankstodeposittheirmoneyC.ServiceprovidersdonotwanttopartnerwithbanksD.Peoplewillreceivemorepension

17、秦九韶是我國古代著名的數(shù)學(xué)家，下列屬于其作品的是（）。A.《海島算經(jīng)》B.《數(shù)書九章》C.《五曹算經(jīng)》D.《緝古算經(jīng)》

18、Passage4AMENTORING（導(dǎo)師制）programisgivinglifechangingopportunitiestoBanburyyouth.YoungInspirationswasfoundedtwoyearsagotoprovidementoringsessionsforstudentsandunemployedyoungadultsaged11to21.AlexGoldberg,theprogram'sfounder,said;“WesetupYoungInspirationsbecausewewantedtogiveyoungpeopleexperienceswhichwillpotentiallybelifechangingandbroadentheiroutlook.Wetrytocreateworkexperienceopportunitiesthatwillreallymakeadifferencetoouryouth.Forexample,we’vesecuredinternshipswithworld-famousfirmssuchasHonda.”“Atatimeoffundingcutbackswhereschoolsarefindingitmoreandmoredifficulttoofferthiskindofmentoring,itisextremelyimportantthattheseopportunitiesareavailablebothtohelpyouthwiththeirschoolworkandgradesandtogivethemopportunitieswhichmayhelpshapetheirfutures.”KieranHepburn,14,isoneofagroupofBanburyyouthwhohasbenefitedfromtheprogramsofar.InOctobertheBanburySchoolpupilwasaccompaniedbyYoungInspirationsstafftoPariswherehewasanobserverattheUnitedNationsEducational,ScientificandCulturalOrganization's（UNESCO）InternationalYouthForum.Theeventwasheldforyoungpeoplefromaroundtheworld,toseektheirviewsonhowthefutureofyouthandeducationshouldlook.Kieranjoinedseveralhundredobserversmostlyintheir20sandwastheonlyUKschoolpupiltoattendtheevent.Kieranthinksthetripwasalifechangingexperience.“BeforeweleftIdidn'tquiteknowwhattomakeofitbutwhenwegottherewedidn'tstop,itwasamazing,”hesaid,“Wewenttothreeorfourhoursofdebateseachdayandthendidsomethingculturaleachafternoon.”Themainthemeoftheforumwashowyouthcandrivechangeinpoliticalandpubliclife.Itdealtwithissuessuchasdrugabuse,violenceandunemployment.Kieransaid:“IthasreallyhelpedmetoimprovemyconfidenceandsocialskillsaswellasmyschoolgradesandIwasvotedmostimprovedpupilatschoolinAugust.”TheYoungInspirationsmentoringsessionstakeplaceeachFridayinBanbury.Fordetailsvisit.TheYoungInspirationsmentoringprogramaimsto（）.A.trainstaffforworld-famousfirmsB.offerjobopportunitiestoyoungadultsC.provideyouthwithuniqueexperiencesD.equiptheunemployedwithdifferentskills

19、Passage7Inarareunanimousruling,theUSSupremeCourthasoverturnedthecorruptionconvictionofaformerVirginiagovernor,RobertMcDonnell.Butitdidsowhileholdingitsnoseattheethicsofhisconduct,whichincludedacceptinggiftssuchasaRolexwatchandaFerrariAutomobilefromacompanyseekingaccesstogovernment.Thehighcourt’sdecisionsaidthejudgeinMr.McDonnell’strailfailedtotellajurythatitmustlookonlyathis“officialacts,”ortheformergovernor’sdecisionson“specific”and“unsettled”issuesrelatedtohisduties.Merelyhelpingagift-givergainaccesstootherofficials,unlessdonewithclearintenttopressurethoseofficials,isnotcorruption,thejusticesfound.Thecourtdidsuggestthatacceptingfavorsinreturnforopeningdoorsis“distasteful”and“nasty.”Butunderanti-briberylaws,proofmustbemadeofconcretebenefits,suchasapprovalofacontractorregulation.Simplyarrangingameeting,makingaphonecall,orhostinganeventisnotan“officialact.”Thecourt’srulingislegallysoundindefiningakindoffavoritismthatisnotcriminal.Electedleadersmustbeallowedtohelpsupportersdealwithbureaucraticproblemswithoutfearofprosecutionofbribery.“Thebasiccompactunderlyingrepresentativegovernment,”wroteChiefJusticeJohnRobertsforthecourt,“assumesthatpublicofficialswillhearfromtheirconstituentsandactontheirconcerns.”Buttherulingreinforcestheneedforcitizensandtheirelectedrepresentatives,notthecourts,toensureequalityofaccesstogovernment.Officialsmustnotbeallowedtoplayfavoritesinprovidinginformationorinarrangingmeetingssimplybecauseanindividualorgroupprovidesacampaigndonationorapersonalgift.Thistypeofintegrityrequireswill-enforcedlawsingovernmenttransparency,suchasrecordsofofficialmeetings,rulesonlobbying,andinformationabouteachelectedleader’ssourceofwealth.Favoritisminofficialaccesscanfanpublicperceptionsofcorruption.Butitisnotalwayscorruption.Ratherofficialsmustavoiddoublestandards,ordifferenttypesofaccessforaveragepeopleandthewealthy.Ifconnectionscanbebought,abasicpremiseofdemocraticsociety–thatallareequalintreatmentbygovernment-isundermined.Goodgovernmentrestsonanunderstandingoftheinherentworthofeachindividual.Thecourt’srulingisastepforwardinthestruggleagainstbothcorruptionandofficialfavoritism.Well-enforcedlawsingovernmenttransparencyareneededto（）.A.awakentheconscienceofofficialsB.guaranteefairplayinofficialaccessC.allowforcertainkindsoflobbyingD.inspirehopesinaveragepeople

20、首次成功克隆哺乳動物(多利)的國家是（）。A.英國B.美國C.法國D.德國

21、下列會計基本假設(shè)中，()是指企業(yè)會計確認(rèn)、計量和報告的空間范圍。A.會計分期B.會計主體C.持續(xù)經(jīng)營D.貨幣計量

22、“沉魚落雁”“閉月羞花”用以形容古代四大美女，下列形容古代四大美女與其關(guān)系對應(yīng)不正確的是（）。A.沉魚——西施B.落雁——王昭君C.閉月——趙姬D.羞花——楊玉環(huán)

23、商業(yè)銀行的經(jīng)營是指對其所開展的各項業(yè)務(wù)活動的（）。A.組織和控制B.組織和營銷C.控制和監(jiān)督D.計劃和組織

24、金融市場上主要的資金供應(yīng)者是（）。A.家庭B.企業(yè)C.政府D.金融機構(gòu)

25、Humansurvivalhasbeenbasedonunrivaledadaptationtotheenvironment,butplantsandanimalswillandareinevitablysuccumbing（）subtlechangesintheclimate.A.inB.withoutC.withD.To

26、減少所得稅的財政政策，對利率的影響（），對消費的影響（）對投資的影響（），對GDP的影響（）。A.上升，增加，減少，增加B.上升，減少，減少，增加C.下降，增加，減少，增加D.上升，增加，減少，減少

27、資料：Nocredit，badcreditHearthetermsoftenenoughandtheycanblurtogether.Thesecreditstatusesaren’toneandthesame，though.Whetheryouhavenocreditorbadcredit，onething’sforsure：Youdon’thavegoodcredit.Andwithoutgoodcredit，you’llfaceanuphillbattleanytimeyouapplyforaloanorcreditcard.Potentiallenderswillwanttoknowthatyouwillalmostcertainlyrepayanymoneythatyouborrow.Theylikelywon’triskloaningmoneyorextendingcredittothosewhosecreditworthinessisabigquestionmarkor，worse，whohaveatrackrecordofpoormoneymanagement.Ifyoufallintoeitherofthesecategories，it’ssmarttofocusonraisingyourcreditscores.Ifyouhavenocreditscore，youdon’thaveacredithistory.Ifyouhavebadcredit，it’slikelythatyou’vemishandledcreditinthepast.Andthesetwoless-than-idealcreditstandingsrequiredifferentsolutions.Ifyoufallintheno-creditcategory，youhaven’tnecessarilymadeanyfinancialmistakes.Inthiscase，agoodwaytostartbuildingthathistoryistoacquireacreditcardforpeoplewithnocredit.Securedcreditcards（whichrequireasecuritydeposit）orcollegestudentcreditcardsaretypicallytheeasiesttoqualifyforifyouhavenocredit.Acredit-builderloancanalsohelpyouestablishcredit.Badcreditcanbearesultoffinancialmissteps，includingmissingpayments，defaultingonloans，orhavingaccountssenttocollections.Ifyoufallintothiscategoryandneedcredit，you’llneedtolookforabad-creditcreditcard.Asecuredcardorcredit-builderloanisagoodoptioninthissituation，aswell.Youalsomayqualifyforabad-creditpersonalloan.Ifyoustillhaveopenaccounts，paydownthebalancesbutdon’tclosecreditaccountsifyoucanavoidit.Peoplewithnocreditarejuststartingtobuildtheirfinancialreputation，whilethosewithbadcreditaredoingdamagecontrol.Movingfromoneoftheselessdesirablesituationstoagoodcreditstandingmayusedifferenttools，butthemethodismuchthesame：Makeyourpaymentsontimeandkeepyourdebtlow.Ittakesdiligenceanddedication，butitcanbedone.Themainpurposeofthepassageisto______.A.teachpeoplehowtohavecreditaccountsB.suggestwaysforpeopletokeepgoodcreditrecordC.presentaconcernaboutpeople’sbadcreditnowadaysD.explainthedifferencesbetweenno-creditandbadcredit

28、Lawyershavequestionedthe____ofthebanonpoliticalrallies,butofficialscontinuetoinsisttheyaremoreinterestedinensuringpublicsafetythanstiflingpoliticaldissent.A.importanceB.qualificationC.legalityD.extension

29、Accordingtoarecentreport,depressionisthesecondleading______ofdisabilityworldwide.A.causeB.considerationC.factD.matter

30、資料：ElizabethBlackwellwasborninEnglandin1821,andmovedtoNewYorkCitywhenshewastenyearsold.Onedayshedecidedthatshewantedtobecomeadoctor.Thatwasnearlyimpossibleforawomaninthemiddleofthenineteenthcentury.Afterwritingmanylettersaskingforadmission（錄?。﹖omedicalschools,shewasfinallyacceptedbyadoctorinPhiladelphia.Shewassodeterminedthatshetaughtschoolandgavemusiclessonstogetmoneyforthecostofschooling.In1849,aftergraduationfrommedicalschool,shedecidedtofurtherhereducationinParis.Shewantedtobeasurgeon（外科醫(yī)生）,butaseriouseyeproblemforcedhertogiveuptheidea.UponreturningtotheUnitedStates,shefounditdifficulttostartherownpracticebecauseshewasawoman.By1857Elizabethandhersister,alsoadoctor,alongwithanotherwomandoctor,managedtoopenanewhospital,thefirstforwomenandchildrenBesidesbeingthefirstwomanphysicianandfoundingherwonhospital,shealsosetupthefirstmedicalschoolforwomen.Howmanyyearspassedbetweenhergraduationfrommedicalschoolandtheopeningofherhospital?A.TenyearsB.NineteenyearsC.EightyearsD.Thirty-sixyears

31、導(dǎo)致需求曲線發(fā)生位移的原因是（）。A.因價格變動，引起了需求量的交動B.因供給曲線發(fā)生位移，引起了需求量的變動C.影響需求量的非價格因素發(fā)生交動，而引起需求關(guān)系發(fā)生了變動D.因社會經(jīng)濟(jì)因素發(fā)生變動引起產(chǎn)品價格的變動

32、資料：Stressisacommonfactorinlife.Childrenexperiencestressfromschool,newsocialsituationsandsimplygrowingup.Adultsfeelthestressofworking,payingbills,raisingkidsandmaintaininghouseholds.Seniorsalsofeelstress,eventhoughsomemayhaveretired,raisedtheirchildrenandpaidofftheirhomes.Certainamountsofstressareapartoflifeforpeopleofallages.Forseniors,stresshasthepotentialtobeespeciallyoverwhelming.Thistypeoftensioninolderadultshasuniquecontributingfactors,suchasthelossofanelderlyspouseorfriends.Livingalonecanincreasethesenseofisolation.Sometimesthesimpletasksofeverydaylifecancausestressinthosewhoexperiencephysicalormedicallimitations.Theeffectsofstresscansometimesexacerbatehealthconditionsfromwhichsomeseniorssuffer,causingadditionalworry.Stresscanbedetectedinvariousways.Youmayfollowthefivemostcommonwaystofindoutifalovedone’sstressiscauseforconcern:1.Changesineatinghabits,suchasover-eatingorlossofappetite,canbecausedbyoverwhelmingstress.2.Moodswingsduetostressmaypresentinincreasedirritability,generalsadnessordepression.3.Memoryissuesmayariseintheformofincreasedforgetfulnessofnames,placesorotherthingsthatnormallycomenaturally.Lackofconcentrationmaybecomeaproblem.Someseniorsmayexercisepoorjudgment,suchasexcessivespendingwhentheyarealreadyonalimitedbudget.4.Physicalsignsofstresscanincludebodyachesandpainsorincreasedepisodesofillness.Changesinsleepingpatterns—eithertroublefallingasleeporinterruptednighttimesleep—cansignalsignificantstress.5.Seniorsexperiencingoverwhelmingstressoftenisolatethemselvesfromothers,refusingtosocializeorparticipateinactivitiestheyusedtoenjoy.Ifyoufindyourfriend______,thatmeanshe/shemaybeundergreatstress.A.becomesirritableandsleeplessB.doesn’twanttogoshoppinganymoreC.beginstofavordrinksofanewbrandD.hatessocializingwithothers

33、Henry’sbusinessismuchworsethanbefore,therefore,hehasto______theexpenseofhiscorporation.A.cutintoB.cutinC.cutdownD.cutoff

34、Happinessissubjective，andonethatwemaynotbeabletoaccurately______acrossallcountries.Butthatobviouslyisn’tgoingtostopanyonefromtrying。A.tryB.trackC.divideD.follow

35、Passage2Merchantandpassengershipsaregenerallyrequiredtohavealifepreserverforeverypersonaboardandinmanycases,acertainpercentageofsmallersizesforchildren.AccordingtoUnitedStatesrequirements,lifepreserversmustdesign,reversiblecapableofbeingquicklyadjustedtofittheuninitiatedindividual,andmustbesodesignedastosupportthewearerinthewaterinanuprightorslightlybackwardposition.Sufficientbuoyancy（浮力）tosupportthewearershouldberetainedbythelifepreserverafter48hoursinthewater,anditshouldbereliableevenafterlongperiodofstorage.Thusitshouldbemadeofmaterialsresistanttosunlight,gasoline,andoils,anditshouldbenoteasilysetonfire.Thepositioninwhichthelifepreserverwillsupportapersonwhojumpsorfallsintothewaterismostimportant,asisitstendencytoturnthewearerinthewaterfromaface-downpositiontoanuprightorslightlybackwardposition,withhisfaceclearofthewater,evenwhenthewearerisexhaustedorunconscious.Themethodofadjustmenttothebodyshouldbesimple,andself-evidenttouninitiatedpersonseveninthedarkundertheconfusedconditions,whichfollowadisaster.Thus,thelifebereversiblethatitisnearlyimpossibletogetitonwrong.Catches,straps,andtiesshouldbekepttoaminimum.Inaddition,thelifepreservermustbeadjustabletothewidevarietyofshapesandsizesofwearers,sincethisgreatlyaffectsthepositionoffloatingandtheself-rightingqualities.Asuitablelifealsobecomfortabletowearatalltimes,inandoutofthewater,notsoheavyastoencouragetotakeitoffonshipboardwhiletheshipisindanger,norsoburdensomethatithindersapersoninthewaterwhiletryingtoswim.UnitedStatesCoastGuarddoesNOTrequirethelifepreservertobemade（）.A.withasfewstringsaspossibleB.capableofbeingwornonbothsidesC.accordingtoeachwearer'ssizeD.comfortableandlighttowear

36、與十六進(jìn)制數(shù)CD等值的十進(jìn)制數(shù)是（）。A.204B.205C.206D.203

37、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentanapartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarketgame",investingthehypotheticalearningsfromtheirhypotheticaljobsinthemarketinthedisastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegottoknowhowitfelttolosemoney."Thatpainofearningandlosingmoneyisafeelingthatpublicschoolsincreasinglywanttoteach.Fortystatesnowoffersometypeoffinancialinstructionatthehigh-schoollevel,teachingstudentshowtobalancecheckbooksandbuystockinmathandsocial-studiesclasses.Thoughit'stooearlytomeasurethefullinfluenceoftheGreatRecession,theinterestinpersonal-financeclasseshasrisensince2007whenbankfailuresstartedtooccurregularly.Now,manystatesincludingMissouri,Utah,andTennesseerequireteenagerstotakefinancialclassestograduatefromhighschool.SchooldistrictssuchasChicagoareencouragingmoney-managementclassesforkidsasyoungasprimaryschool,andabout300collegesoruniversitiesnowofferonlinepersonal-financeclassesforincomingstudents."Theseclassesreallysay,'Thisishowyouliveindependently,'"saysTedBeck,presidentofNationalEndowmentforFinancialEducation.Ratherthanteachinvestmentmethodsorfinancialskills,thesecoursesofferaback-to-the-basicsapproachtohandlingmoney:Don'tspendwhatyoudon'thave.Putpartofyourmonthlysalaryintoasavingsaccount,andinvestinthestockmarketforthelong-termratherthanshort-termgains.ForRay,thismeansdividingherearningsfromherpart-timejobatafast-foodrestaurantintoseparateenvelopesforpayingbills,spendingandsaving."Moneyissohardtomakebutsoeasytospend,"shesaysoneweekdayafterschool."Thatisthebigtakeaway."Teachingkidsaboutthevalueofcashcertainlyisoneoftheprograms'goals,butteachersalsowantstudentstothinkhardabouttheirfinanceslongterm.It'seasyforteenagerstogetannoyedaboutgaspricesbecausemanyofthemdrivecars.ButthehardpartisurgingthemtoputofftheinstantsatisfactionofbuyinganewT-shirtoraniPod."Investingandretirementaren'tthingsteenagersarethinkingabout.Forthem,thefutureisthisweekend,"saysGayleWhitefield,abusinessandmarketingteacheratUth’sRivertonHighSchool.That’sabiggoalfortheseclasses:preventingkidsfrommakingthesamefinancialmisstepstheirparentsdidwhenitcomestosaving,spending,anddebt.Thoughthepersonalsavingsratehasincreasedupto4.2percent,that’sstillafardistancefrom1982,whenAmericanssaved11.2percentoftheirincomes.“It’shardforschoolstoreachstrictmoney-managementskillswhenteenagersgohomeandwatchtheirparentsincreasecredit-carddebt.It’sliketellingyourkidsnottosmokeandthenlightingupacigaretteinfrontofthem,”Becksays.Evenwiththesechallenges,studentssuchasRaysaylearningaboutmoneyinschoolisworthwhile.AfterRayfinishedherfinancialclass,sheopenedupasavingsaccountatherlocalbankandstartedtothinkmoreabouthowsheandherfamilywouldpayforcollege.“Shejusthasabetterunderstandingofmoneyandhowitaffectstheworld,”sayshermother,Darleen－andthat’ssowntothedetailsofhowmoneyisspentfromdailyexpensestovarioustaxes.AllofthistalkofmoneycanmakeRayworry,shesays,bu