历年中国银行笔试真题

历年中国银行笔试真题

英语部分：14：00-15：30 共85道满分150分。

第一部分：同义词填空，20个

就是给出4个词，选出一个填到一个句子中，感觉和以前六级英语的同义词填空不一样，六机考的词基本上是考认不认识，认识的话基本都能对，中行考的是词义辨析。

现在只记得4个了：如** approval _____ (A. rate, C. ratio)** ;**an_____interview (A. exclusive, B. exceptional )***;***a _____ monument (A. perpetual , C. lasting );***____ on sb. to do sth.*** (A. prevail C. persuade，答案选A ) .

第二部分：改错，10个

就是给出一个句子，划线4个部分，让选出哪个有错，和以前托福语法改错格式差不多。现在就记得一点了：an abundance of evidences, 应该选B. 还有一个enable sb. to do 加下划线了，不过这个是对的。

A B

第三部分：完型填空 20个

主要是关于对待非母语问题，说美国人到了美国大陆，要求印第安人不能使用自己的母语，要将其去除，其中有个选项是eradicate，否则就会受到惩罚，有个选项是punishment。因此印第安人就刻意不把母语pass on 给下一代。德国也是如此，要求是用德语，在教堂里，学校里还有什么地方都要讲德语，把其他语言书籍都烧掉了。后来说到中国人，虽然在国外上语言课，但是都是segregated class，里面全是中国人。中国人都喜欢和中国人在一起，比如Chinatown.语言成了影响人们找工作的问题之一。

Blabla~~~~

第四部分：四篇阅读理解

第一篇：居然回来搜了下找到原题，不过没答案。

How many people in the world speak English as a first a native language? Exact information on this point is not available, but an estimate of 230 million cannot be very wide of the mark. Of these, 145 million live the United States, a little less than 55 million in the United Kingdom, and something like 30 million in the British dominions and colonial possessions. It is even more difficult to arrive at a figure representing those who speak

English as a second or auxiliary language. A reasonably conservative conclusion would thus place the total number of speakers of English between 300 million and 325 million, about one seventh of the world’s population.

If one thinks solely in terms of total number of speakers, it must be conceded that some authorities place Chinese, the various Indic languages, and Russian ahead of English, others only Chinese. Both Chinese and Indic, however, are terms covering a large number of mutually unintelligible dialects; and though the number of speakers of these languages may seem impressive, communication within the language is much more restricted than in English. Total numbers, moreover, constitute but one phase of the matter. The factor of geographical distribution is equally, possibly even more, significant. English is spoken as a first or native language on at least four continents of the world, Russian on two, Chinese and the Indic language on one, English is without question the closest approach to a world language today. It goes without saying that no two persons ever have an identical command of their common language. Certainly they have not precisely the same vocabulary. There are at least minor differences in pronunciation: indeed the same individual will not pronounce his vowels and consonants in absolutely identical fashion every time he utters them. Everyone possesses in addition certain individual traits of grammatical form and syntactical order, constituting that peculiar and personal quality of language which we term style. All of this is implicit in the well-known phrase, “Style is the man”. No two men are identical; no two styles are the same. If this is true of but two persons, the potential of difference resident in a language spoken by more than 200 million truly staggers the imagination.

51. According to the author it could be said that _______.

[A] more people speak Chinese dialects than English

more people speak English as an auxiliary language than as a first language

[C] about one seventh of the world’s population speaks Russian

[D] more people speak English in the UK than in Ireland

52. The extract implies that ________.

[A] a little less than half the native English speakers in the world live in the United States

the 55 million inhabitants of the British Isles speak like the 30 million inhabitants of the ex-British dominions and colonies

[C] about one tenth of the total English-speaking world population lives in ex-British dominions and colonies

[D] it would certainly be an underestimate to suppose 230 million people speaking English as a native language

53. The reason why English is the closest approach to a world language is that _______.

[A] Chinese and Indic languages are mutually unintelligible

Chinese is too complex to be a world language

[C] Russian is only spoken on two continents

[D] there are more native speakers of English than of any other language

54. According to the author the fact that the same individual will not pronounce his vowels and consonants identically every time shows that ________.

[A] everyone has their own literary style

mutual intelligibility is a myth

[C] people’s vocabular ies vary

[D] no two people speak the same language in exactly the same way

55. According to the author, style is ________.

[A] significant when it comes to comparing only two people

a question of grammatical and syntactical correctness

[C] the particular way an individual uses language

[D] a strange type of language

第二篇：关于美国的mandated最低工资问题。一开始说最低工资统一规定不好，不同的州情况不一样。然后就举了几个州最低工资差异。有人反对最低工资，提出最低工资造成企业成本增加，社会失业率增加。后面好像说在经济繁荣的时候，最低工资不为人们关心，但是经济不好时，最低工资还是有用的，blabla~~~

第三篇：伦敦的千禧穹(Millennium Dome) 只找到断断续续的几段，是在New york times上的。

If in this season of annual achievement awards there were one for the biggest New Year's bang and sorriest year-ending whimper, the winner would be Britain's entrant, the Millennium Dome. 然后说千禧穹是一个ambitious的创作，代表了英国人的想象力。

No country built more ambitious millennial projects and talked them up more than Britain, and the centerpiece was the $1.2 billion Dome, on the meridian that gave the name

to Greenwich Mean Time and afforded Prime Minister Tony Blair the opportunity to proclaim Britain in 2000 as the ''home of time.'' 然后说千禧穹虽说被认为代表英国人的想

象力，但是却是让一个建了法国的迪斯尼的法国人建的。(好像是这样)

The trouble with the Dome began on opening night. Thousands of those invited got stuck on the new subway line built to speed people from central London out to Greenwich; others who did arrive could not get past security to see the show. Fatally for the Dome, among the barred and detoured were top newspaper editors.

By the spring, the enormous space was virtually deserted on weekdays. The original projection of 12 million visitors was officially scaled back to 10 million, then 7 million, and finally 6 million, of which only 4.5 million were expected to pay.

In fact, the project may be more a victim of its own hyped expectations than of its actual performance. The anticipated final figures of 6.5 million visitors (5.7 million paying) compare favorably with other London tourist attractions, and surveys indicate customer satisfaction of 85 percent.

The huge cupola now faces mothballing for several weeks before demolition of the contents begins. Items lent to the exhibition will be returned, following by an auction of all that is left. Over the next months, the government will sell off the Dome and much of the land around it to Legacy P.L.C., an Irish-English company that plans to build middle-class and luxury housing and to turn the building into a high-tech business center with 14,000 jobs.

第四篇：美国人口老龄化问题

列举不同时期美国人口中哪一个年龄占主导。从一个中等的年纪到现在老年人占主导，说明美国社会老龄化。年纪大了会带来生理上疾病，举了几种。有一道题问哪一种不是。但是不同的人也不一样。有的四十几岁就老了，还有的很老了，但是过着vigorous sex life. 年纪大了还有心理上的问题。老年人不依赖于子女，因为不想让他们觉得自己很可悲。老年人的意见也不再被人们尊重，说他们过着一种misery的生活。最后一道题问作者的

目的是说：A. American society is hostile to old people. B.Old people are putting on a miserable life.

第五部分：排列段落，5道。

给出了首段和末段，让排列中间段。主要根据连接词。是关于服务价格的问题。一开始好像说企业不大注意服务定价。之后有的厂商注意了，但是还是存在不合理问题。一部分怎样怎样，others怎样。最后就说However, 现在又怎么做改变。好像是这样没细看。

第六部分：一篇文章中间少了五个句子，给你8个句子，让从中选出5个填进去。

是关于经济衰退的。说人们对经济衰退程度预测不已，一开始预测多少，后来又预测多少，后来又变。其中高盛预测的最悲观。然后提到和Great depression相比。后来说经济学家们也莫衷一词，有的说会变糟糕，有的说会变好。

第七部分：快速阅读。两篇。第一篇2道题。第二篇3道题。

第一篇关于印度旅游的。问了“palace on wheels”指什么，是“luxury train”;泰姬陵为什么叫“temple of love”，是印度国王为自己心爱的亡妻修建的

第二篇。.第一题问African American如何看待Latinos，第二题问W这个美国白人说了一句话说美国不应该有其他肤色的人种，有的话只应该是奴隶，这句话表明了什么，一个答案是美国社会种族歧视，另一个答案美国白人憎恨有色人种。第三题问most Mexican移民后怎么样了，是Americanized了，lost their mother tongue。

综合一：16：00-17：00。 60分钟，满分150分。

第一部分：符号推理。12个。A-F不同英文字母代表不同规则，包括图形放大，黑白变化，颠倒位置等。做的巨烂。

第二部分：逻辑推理。给出一小段话，100字左右，下面又说：“我们还知道：”，又给出几条信息，最后题干给出一句判断性的话语，三个选项分别是：A.根据所给的信息，这个推断是正确的。B.根据所给的信息，这个推断是错误的。C.根据所给的信息不能判断这个推断是正确的还是错误的。

第三部分：数字推理。给出一个3×3的表格，每个格里一个数字，有一个未知数，它们之间有一定的关系，求未知数。

第四部分：图形推理。给出四个规则，分别是改变形状，改变大小，改变颜色，重复上一操作，给出一个原始符号(○●△▲有大有小)，经过变化之后，让你判断它最后变成什么样了。

转

综合二：

税收类：不能转嫁的税的类型

矿石进口需缴税(关税，增值税)

增值税一般纳税人符合的条件

对于纳税人的要求(在中国境内有住所或者无住所而在境内居住满一年的个人)

免征营业税的企业

超额累进税适用于

税收性质取决于(课税对象

法律

股份公司上市的条件

证券法禁止的客户欺诈行为(挪用客户所委托买卖的证券或者客户账户上的资金)

物权法对于抵押物债权(甲向乙销售了500万货款，乙以450万作抵押，后乙破产，甲享有的表决权是(50万))

破产清偿程序(1支付破产费用2企业所欠职工工资和劳动保险费用3破产企业所欠税款4破产债权)

最低工资范围(剔除延长工作时间工资;中班、夜班、高温、低温、井下、有毒有害等特殊工作环境、条件下的津贴;法律、法规和国家规定的劳动者福利待遇等)

法定节假日和周末节假日上班的工资确定方法

劳动关系确立时间(开始提供劳务为准)

管理和市场营销

科学管理理论由泰勒提出

韦伯的管理理论(官僚行政组织)

目标管理法的理论基础

目标管理对上级和下级的要求()

群体决策缺点(1)费时(2)少数人垄断(3)服从的压力(4)“从众现象(5)模糊的责任

心理定价包括哪些(尾数定价法招徕定价习惯定价策略声望定价策略整数定价策略)

波特提出的竞争性战略(成本法，差异定价，聚焦法)

海尔公司调查市场对空调的需求量应该用什么方法

行为归因理论(特异性,一致性,和一贯性)

组织发展方法

矩阵组织缺点

长期雇佣关系的优点

马斯洛需求层次理论

波士顿矩阵分析

管理幅度定义

有个公司没有分好工作职责，导致员工效率低下，公司不景气怎么怎么滴，如果你是HR，首先会怎么治理公司

考虑国际贸易、直接投资、股权转移的是什么理论

系统安全技术包括

EXECL工作簿和工作表(工作簿不能重命名)

Word包括哪些阅读形式(页面，web，大纲，普通)

html特点

excel表中对数据排序的操作方法

测试网络连接的命令ping

word中,若光标位于表格外右侧的行尾处，按回车键(加一行)

在WORD编辑模式下，插入一个Ω 应用哪个菜单(插入--符号)

Ppt设置隐藏背景会

财务管理和会计

资产负债率不变，影响财务杠杆的因素

财务杠杆公式

企业用银行账户支付进货时开具的凭证

未分配利润包括

应收账款的坏账准备提取

国际结算信用证的特点(开证行为第一责任人，单据业务)

国际金融

斯旺搭配理论(顺差时，宏观经济政策—扩张的货币政策)

国际收支平衡表组成(国际捐赠属于经常帐户)

银行汇率报价买入价卖出价

美国的标价法为(间接标价法)

利率平价理论计算(美元、人民币基期物价指数均为100，一段时间后，美元物价105，人民币103，人民币相对美元升值多少5%-3%=2%)

比较优势计算

货币银行学

准货币

五级贷款分类

货币创造的影响因素(法定存款准备金率，超额存款准备金率，通货现金比率)

银行的银行职能体现在(存款准备金)

微观经济学

利润最大化的条件(边际成本等于边际收益)

边际转换率不变的时候等产量线的形状

宏观经济学

开放模型下使Is向右移动的因素

奥肯定律

宏观调控不矛盾的两个目标(经济增长和充分就业)

国际收支的支出法分析

证券投资学

有效市场理论

股票分类h股定义

债券实际年收益率计算(一个人花105元买了100元的一张两年期的债权，票面利率6%，半年后卖了110元，同时得到6元利息，问这个人一年的投资收益率)

Capm模型计算资产收益率