小学英语演讲比赛常见即兴问答问题及答案大全

小学英语演讲比赛常见即兴问答问题及答案大全
小学英语演讲比赛常见即兴问答问题及答案大全

小学英语演讲比赛常见即兴问答问题及

答案大全

话题:考官答案教育学习

即兴问答,共10个题目,考官从备选题目中选择10个题目对考生进行询问。题型解析主要考察知识掌握的扎实程度,语言技能熟练程度,交际用语的熟练程度,词汇量,应变能力等。限时回答,固定时限内由考官发文,选手作答,属速答题型,没听清问题可要求考官重复。范例与模拟练习:1.Goodmorning/afternoon.2.Nicetomeetyou.3.What’syourEnglishname?4.What’syourfavoriteanimal?5.Whatcolorisyourschoolbag?6.What’sthis/thatinEnglish?7.Isthisyourpencilcase?8.Doyoulikebananas?

9.Doyouhaveadog?10.Howmanyerasersdoyouhave?11.Doyoulik eEnglish?12.DoyoulikeyourEnglishteacher?13.WhoisyourEnglis hteacher?14.Howoldareyou?15.Whatcoloristhisbook?16.Isthisad esk?17.DoyoulikewatchingTV?18.What’syourfavoritefood?19.Whereisthebook?20.What’s2and3?21.Canyoucountfrom1to10?Please!22.What’

sthis/that?23.Isthisyourpencil?24.Doyoulikecomputergames?25. Readthewords.applebananapearbluegreenyellow26.Readtheword s.carbusbookpencileraserruler27.Readthewords.boxboydaddeskf ishgame28.Readthewords.playthreesixtentwelvewindow29.How doyougotoschool?30.Canyoufly?31.Canyoudrawapicture?32.Ca nyoudriveacar?33.DoyoulikeChinese?34.DoyoulikeMath?35.Isy ourMummyateacher?36.IsyourMummyadriver?37.IsyourMumm yadoctor?38.Isyourdadateacher?39.Isyourdadadriver?40.Doyou haveabrother?41.Whoisyourbestfriend?42.42.Whatdoyoudoatsc hooleveryday?43.43.Tellusthreeanimalsthatisinablackcolor.44.4 4.What’syourhobby?45.45.Doesyourfatheroftenplayfootball?46.46.Isyou rfathertall?47.47.What’stheweatherliketoday?48.48.Whichanimalrunsfaster,therabbitort hesnake?49.49.Doyouoftenhelpyourmotherdohousework?50.50. Howmanybathroomsarethereinyourhouse?51.51.Wheredochildre nliketoplayafterschool?52.52.Wholikesgoshoppingbest?53.53.H owmanychildrenarethereinyourclass?54.54.CanyouspeakEnglish ?55.55.Canyourfatherplaythepiano?56.56.Haveyougotabeautiful mother?57.57.Hasyourmothergotlongwhitehair?58.58.Hasyoursi stergotapairofglasses?59.59.Areyounineyearsold?60.60.Arethere eightdaysinaweek?61.61.Wheredoyoudoyourhomework?62.62.

DoyoulikeEnglish?63.63.Whereareyoufrom?64.64.Howmanype oplearethereinyourfamily?65.65.Whatfooddoyoulike?66.66.Hav eyougotabike?67.67.Whatcolorisyourbike?68.68.Canyoudance/r eadbooks?69.69.Whoisyourfavoriteteacher?70.70.Areyouhappy ?71.71.Isyourmotherbeautiful?72.72.DoyoulikeYinchuan?73.73. Areyousixyearsold?74.74.Howareyoutoday?75.75.Haveyougota nybooks?76.76.What’syourfavoritesport?77.77.Whatdoyouliketodointheevening?78.7 8.Whattimedoyougotobedeveryday?79.79.Whatanimallikestoeat meat?80.80.Whichfruitisgreen?81.81.Howmanyeggscanyoueat?

82.82.Howdoyougotoschooleveryday?83.83.DoyoulikeYinchua norBeijing?84.84.Doyoulikedrawingpictures?85.85.Whatcanyou draw?86.86.Isyourbedroombigorsmall?87.87.What’sinyourbedroom?88.88.Wheredoyouhaveyourbreakfast?89.89.H owmanyschoolbagshaveyougot?90.90.Wherecanyoubuysomemi lk?91.91.Tellus3kindsofanimalthatcanfly.92.92.IsNingxiaabeauti fulplace?93.93.WhatcanyouseeinZhongshanPark?94.94.Haveyo ugotapencil-box?What’sinyourpencil-box?95.95.Whoistallerinyourfamily,yourfatherory ourmother?96.96.Whoisyourmother’smother?97.97.Whoisbeautifulinyourclass?98.98.Whatdoesyour motherdo?99.99.Whatcolorisawatermelon?100.100.Isyourmothe

rahousewife?101.101.What’syourfavoriteplace?102.102.Whatfruitislongandyellow?103.103. Wherecanyoubuyapplesandbananas?104.104.Whatdoyoudo?105 .105.WhatdoyoudoonMonday?106.106.Whatdoesyourmotherdo onMonday?107.107.Whendoyougetup?108.108.Doyougotoschoolbybike?10 9.109.Doyoulikeblackorred?110.110.Doyouoftenplaygameswith yourfamily?111.111.Doyouusuallygotobedatten?112.112.Doesyo urfathergotoworkbybike?113.113.Doesyourmotheroftengoshopp ingwithyou?114.114.Whatdoesyourmotherdoonweekends?115.1 15.What’sinyourbedroom?116.116.What’sinthisclassroom?117.117.Tellmethreeanimalsthatcanfly?118.11 8.Tellmetwoanimalswith2legs?119.Tellmefiveanimalsthatget4le gs?120.Tellmesixcolorsyouknow?121.What’syourmother’sjob?回答问题参考答案:【建议:以下答案仅作简单回答使用,正式比赛时最好能够将答案进行补充说明,适当扩充和丰富自己所表达的信息】1.1.Goodmorning/afternoon.2.2.Nicetomeetyou,too.3.3.MyEnglishnameisLily.4.4.Myfavoriteanimaliscats.5.5.It ’syellow.6.6.It’sapen.7.7.Yes,itis./No.itisn’t.8.8.Yes,Ido./No.Idon’t.9.9.Yes,Ido./No.Idon’t10.10.Ihavetwo.11.11.Yes,Ido./No.Idon’

t12.12.Yes,Ido./No.Idon’t13.13.SheisMissWang.14.14.Iam5yearsold.15.15.It’sredandgreen.16.16.Yes,itis./No.itisn’t.17.17.Yes,Ido./No.Idon’t18.18.Myfavoritefoodisrice.19.19.It’sonthedesk.20.20.It’sfive.21.21.Yes,ofcourse(从一数到十)22.22.It’sanapple.23.23.Yes,itis./No.itisn’t.24.24.Yes,Ido./No.Idon’t.25.25.26.27.28读单词答案略。

29.Igotoschoolbybus.30.No.Ican’t.31.Yes,Ican.32.No.Ican’t33.Yes,Ido./No.Idon’t.34.Yes,Ido./No.Idon’t.35.Yes,sheis./No.sheisn’t.36.Yes,sheis./No.sheisn’t.37.Yes,sheis./No.sheisn’t.38.Yes,heis./No.heisn’t.39.Yes,heis./No.heisn’t.40.Yes,Ido./No.Idon’t.41.She/heis_____.42.Istudyandreadbooksintheschool.43.panda ,bear,horse44.Ilikerunning.45.Yes,hedoes.46.Yes,heis./No.heisn’t.47.It’swindyandhot.48.therabbit.49.Yes,Ido./No.Idon’t.50.Thereisonebathroom.51.Intheparkorontheplayground.52.My mumlikesbest.53.Thereare60.54.Yes,Ican.55.Yes,Ican./No,Ican’t.56.Yes,Ihave.57.No,shehasn’t.Shehasgotshortblackhair.58.Yes,shehas./No,shehasn’t.59.Yes,Iam./No,I‘mnot.60.No,therearen’t,thereare7days.61.Inmybedroom.62.Yes,Ido./No.Idon’t.63.IamfromNingxia.64.Therearethree.65.Ilikericeandhamburge

英语希望之星风采大赛即兴问答题库小学组

希望之星英语风采大赛小学组评委即兴问答题库(附参考回答) 1.Which school do you study in? Which subject do you like best? Why? I study in …School. I like…best. I'm good at …Because my father/mother is a/an…I want to be a/an …in the future, just like my mother/father... 2.How many people are there in your family? Can you tell us a story that happened in your family? There are three/five…people in my family. They're my grandmother/mother, …and me. My father is a businessman/an English teacher…My mother is working at school/in the hospital/in the…company. Last winter/summer holiday, I went to Shanghai/Beijing/Hangzhou…with my family. We vistied the Science Museum/the Tiananmen Square/the Fordden City/the West Lake…It's very famous and interesting. We had a lot of fun together. 3.Who is your best friend? Why he or she is your best friend? My best friend is …She's/He's kind/funny/active/quiet/lovely/cute/serious/helpful…She/He has big shining eyes and long wavy/straight/curly hair…I often play games/do homework/have lunch/go shopping…with my friend. We help each other. We always do sports/play badminton/jump ropes/read books…together. 4.Who is your English teacher? Do you like her (him)? Why? Miss…/Mrs…is my English teacher. She's/He's funny/serious…She/He is wearing glasses. She/He often wears yellow dress/white T-shirt with blue jeans…I like her/him/my English teacher. Because She's/He's kind to me. She/He always plays English games in the class. She/He often tells me, “Come on baby, you can do it.” 5.Do you have to do homework everyday? How do you think of too much homework? Yes, I do. Sometimes I do my homework at school. Sometimes after I finish my writing lesson or badminton lesson, I do my homework at home. I think too much homework is not good or useful for students, because we don't have much time to do things we like: playing sports, having fun with my friends. But some homework can let me remember something and study better.

第6课投资理财的选择练习题及答案解析

第二单元第6课《投资理财的选择》课时训练(人教实验版必修1) 时间:45分钟分值:100分 一、选择题(每小题4分,共72分) 1.活期储蓄是百姓非常熟悉的一种投资方式。它与定期储蓄相比( ) A.流通性更强B.流动性更强 C.风险性更高D.收益性更大 解析:流通性是指资金能否在市场上转让交易,如果越容易转让交易,那么流通性越强;流动性是指资金能否迅速转化为现金的能力,如果越快转化为现金,那么流动性越强。活期储蓄灵活方便,流动性强,而定期储蓄流动性较差,但是收益高于活期储蓄。 答案:B 2.假设现在将1万元存入银行,定期3年,目前银行1年期的定期储蓄存款的年利息率是%,3年定期储蓄存款的年利息率是%。在不考虑其他因素的条件下,到期后存款人得到的利息是( ) A.999元B.333元C.675元D.元 解析:根据利息率的计算公式,利息=本金×利息率×存款期限,可知3年后得到的利息是:1万元×%×3年=999元。 答案:A 3.商业银行是以利润为主要经营目标的金融机构。其营利主要来源于( ) A.贷款业务B.存款业务 C.结算业务D.代理保险业务 解析:商业银行营利的主要来源是贷款业务,故选A。 答案:A 4.作为投资手段,无论是活期储蓄还是定期储蓄都存在风险。这种风险是指( ) A.若发生通货膨胀,存款会发生贬值 B.商业银行比较容易破产新*课*标*第*一*网] C.定期存款提前支取会损失利息 D.存折丢失,容易被人盗取 解析:在市场经济条件下,商业银行存在破产的可能,但这并不等于说商业银行比较容易破产,B错误;题干强调的是活期储蓄和定期储蓄存在的共同风险,C不符合题意;材料说的是投资风险,D与题意无关。 答案:A 5.2010年8月28日至29日,第五届中国金融市场分析年会在北京召开。国泰君安总

英语演讲比赛即兴问答常见问题汇总

英语演讲比赛即兴问答常见问题汇总 Impromptu Questions即兴问题 1. Some people prefer to spend most of their time alone. Others like to be with friends most of the time. Do you prefer to spend your time alone or with friends 2. Some people say, “Only people who earn a lot of money are successful. ” What’s your opinion about it 3. Some high schools require all students to wear school uniforms. Other high schools allow students to decide what to wear to school. Which of these two school policies do you think is better Tell us your reason, please. 4. High schools should allow students to study the courses that students want to study. Do you agree with it Why 5. Some people say that advertising encourages us to buy things we really do not need. Others say that advertisements tell us about new products that may improve our lives. Which opinion do you agree with Why 6. Some people prefer to spend their free time outdoors. Other people prefer to spend their spare time indoors. Would you prefer to be outside or would you prefer to be inside for your spare activities Why 7. Some people say that watching television is bad for children. Do you agree with it Why 8. Many parts of the world are losing important natural resources, such as forests, animals, or clean water. Choose one resource that is disappearing and explain why it needs to be saved. 9. In some countries, people are no longer allowed to smoke in many public places and office buildings. Do you think this is a good rule or a bad rule Why 10. Some famous athletes and sports stars earn millions of dollars every year. Do you think these people deserve such high salaries Why 11. People do many different things to stay healthy. What do you do for good health Give us an example, please. 12. People listen to music for different reasons and at different times. Why is music important to many people

理财小知识问答

1、物品货币,是在还没有发明具体的钱时,用一些特定的物品作为货币,以下哪个选项不是物品货币(B) A、贝壳 B、铜钱 C、米 D、兽皮 2、世界上最早的纸币出现在哪个朝代(A) A、宋朝 B、唐朝 C、元代 D、前清 3、世界上最早的纸币名称是(A) A、交子 B、元钱 C、铁钱 D、人民币 4、世界各国对人民币的称呼不同,那个称呼是不存在的( D) A、美元 B、澳门元 C、基普 D、越南元 5、第五套人民币20元背面的图案是什么呢( C ) A西湖B、布达拉宫C、桂林山水D、人民大会堂 6、第五套人民币50元背面的图案是什么呢( B) A西湖B、布达拉宫C、桂林山水D、人民大会堂 7、第五套人民币100元背面的图案是什么呢( D ) A西湖B、布达拉宫C、桂林山水D、人民大会堂 8、第五套人民币100元上有一条隐约可见的嵌入的线,这根线最科学的称法是(C) A、磁线 B、金线 C、安全线 D、人鱼线 9、哪些属于非必要的花费( D) A、物业费 B、电费 C、公交费 D、买零食 10、我国人民币现在共发行了几套() A、六 B、五 C、四 D、七 11、哪个小朋友的理财方式是正确的()【可多选】 A、小明用自己的零花钱买了玩具 B、小花洗碗妈妈奖励了她1元钱,她存到了储蓄罐 C、小亮让爸爸给他办了张银行卡把压岁钱存了进去 D、丁丁用自己的压岁钱存了一年定期 二、判断题 1、纸币是用纸做的吗?(√) 2、钱破了就不能用了。(×) 3、钱存在银行是没有利息的。(×)

4、第五套人民币100元上绘的是茶花。(√) 5、第五套人民币50元上绘的是荷花。(×){20元上是荷花,50元上是菊花} 6、第五套人民币50元、100元为毛泽东人头像固定水印;1元、5元、10元、20元为花卉固定水印。(√) 7、丹麦和挪威的钱称为“丹麦克朗”。(√) 8、票面不足一半的钱银行可以兑换(×)【不可以,一半残币的钱可以兑换票面金额的二分之一,少于一半的残币不能兑换】 9、小孩子不可以买基金。(×) 10、一年的定期利息是3.08%,豆豆将5000元存一年定期,她能得到的利息是154.(√)

2014年“外研社杯”英语演讲比赛评分细则

2014“外研社杯”全国英语演讲大赛内蒙古大学赛区决赛评分细则 一、比赛环节(总分100分) 1.自我介绍:要求选手用英文进行自我介绍(限时30秒,本环节10分); 2.定题演讲:要求选手以“Change the Unchangeable”为题,并于本题目 下加副标题,进行定题演讲(限时3分钟,本环节40分); 3.即兴演讲:选手现场抽签决定话题进行即兴演讲,场上给出30秒准备时 间,演讲限时1分钟(共限时1分钟30秒,本环节30分); 4.现场问答:由评委围绕选手在定题演讲和即兴演讲中所涉及的内容向选 手进行现场提问,要求选手在1分钟内完成作答。评委提问完毕,计时开始(限时1分钟,本环节20分)。 二、比赛赛制和报分情况 本次比赛共设有两个阶段:第一阶段包括自我介绍和定题演讲,第二阶段包括即兴演讲和现场问答。在第一阶段,每位选手上台后共有3分30秒的时间进行自我介绍和定题演讲两个环节。选手结束本阶段比赛后由礼仪收分并报分。第一阶段结束,中场节目后进入第二阶段。在第二阶段,选手依次上台进行即兴演讲,即兴演讲结束,选手停留在台上直接进入现场问答环节。晋级选手结束本阶段比赛后由礼仪收分并报分。 三、奖项设置 一等奖一名 二等奖一名 三等奖三名 最佳风采奖和最佳人气奖各一名 优秀学院组织奖两个

四、评分标准 (一) 自我介绍:标准发音、语言准确(5分);自然表达(5分)。 (二) 定题演讲 1.内容要求: (1)内容清楚、结构清晰、中心突出(8分); (2)合理展开、阐释充分(4分); (3)证据相关、逻辑性强(4分); (4)内容生动、不枯燥,能吸引听众注意力(4分)。 2.语言要求: (1)使用标准英国英语或美国英语(5分); (2)语言准确(发音清晰,音调、音高合适,用词准确、相关)(5分); (3)语言流利(注意连读、词重音、句重音、语调和节奏等)(5分)。 3.技巧要求: (1)自信,有感情与气势(2分); (2)注意手势、眼神与身体语言(2分); (3)适当使用修辞手段(比喻、类比等)(1分)。 4.时间控制:在自我介绍和定题演讲的3分30秒之内,时间剩余30时 有举牌提示,时间终止时有响铃和举牌提示,超时适当予以 扣分。 5.道具使用:定题演讲中允许使用实物、图片等辅助道具,但仅限使用 一次道具,使用道具过多将被酌情扣分。 (三)即兴演讲 1.内容要求: (1)内容清楚、结构清晰、中心突出(3分);

英语希望之星风采大赛即兴问答题库(小学组)

希望之星英语风采大赛小学组评委即兴问答题库 (附参考回答) 1.Which school do you study in? Which subject do you like best?Why? I study in …School. I like…best. I’m good at … Because my father/mother is a/an…I want to be a/an …in the future, just like my mother/father... 2.How many people are there in your family? Can you tell us a story that happened in your family? There are three/five…people in my family. They’re my grandmother/mother, …and me. My father is a businessman/an English teacher…My mother is working at school/in the hospital/in the…company. Last winter/summer holiday, I went to Shanghai/Beijing/Hangzhou…with my family. We vistied the Science Museum/the Tiananmen Square/the Fordden City/the West Lake…It’s very famous and interesting. We had a lot of fun together. 3.Who is your best friend? Why he or she is your best friend? My best friend is …She’s/He’s kind/funny/active/quiet/lovely/cute/serious/helpful…She/He has big

中国建设银行网站功能95533常见问题解答

中国建设银行网站功能95533常见问题解答 1.“网站查询”是什么服务? 答:“网站查询”是中国建设银行依托自身互联网网站面向广大客户推出的快捷、便利的账户查询服务。该服务是指您无需办理注册或签约,直接通过登录我行国际互联网网站便可进行储蓄、银行卡、信用卡等各类账户的余额以及明细等信息查询的业务。 2.“网站查询”主要提供哪些服务功能? 答:目前建设银行的“网站查询”服务可提供龙卡通、理财卡、准贷记卡、存折等个人储蓄及银行卡账户的余额、积分和交易明细查询;个人信用卡账户的余额、积分和账单明细查询;公积金类账户余额、账户明细等信息查询;企业年金个人账户的基本信息以及年金计划信息、缴费信息、支付信息、权益信息、投资信息等明细信息查询;同时还提供相关明细信息的打印、下载及邮件发送功能,客户无需办理注册或签约,直接通过登录我行国际互联网网站便可进行查询。近期我行还将推出企业年金企业账户查询和非金融服务积分查询等服务功能,敬请您关注建行网站最新服务动态。 3.如何在网站查询企业年金个人账户情况? 答:您无需办理注册或签约,直接登录我行国际互联网网站https://www.360docs.net/doc/eb4399796.html,,选择“网站查询”下的企业年金查询,凭客户号、查询密码及附加码登录便可查询企业年金个人账户信息,客户号及查询密码您可通过建行客户服务热线95533的人工服务进行获取。 4.网站可查询企业年金个人账户的哪些信息? 答:客户可通过建行网站查询企业年金个人账户的基本信息、年金计划信息、缴费信息、支付信息、

权益信息、投资信息等明细情况,同时提供相关明细信息的打印、下载和邮件发送服务。 5.如何获得企业年金个人账户的网站查询密码? 答:企业年金个人账户网站查询使用该账户的初始密码,您可咨询本单位的财务人员获得客户号及初始密码,也可通过拨打建设银行24小时服务热线95533,由人工座席核实您的身份后为您提供。初始密码的基本规则为个人证件号码的后6位。 6.如何修改企业年金个人账户的网站查询密码? 答:企业年金个人账户网站查询共用年金账户已有密码,您可通过95533人工服务进行密码修改。 7.在网站可查询哪些个人储蓄账户信息? 答:目前建行网站查询可为在我行开立储蓄/银行卡账户(龙卡通、理财卡、准贷记卡、存折)的客户提供各子账户的余额查询、积分查询以及明细交易情况的查询,并提供明细信息的打印、下载和邮件发送服务。 8.如何在网站查询个人储蓄/银行卡账户信息? 答:您无需办理注册或签约,直接登录我行国际互联网网站https://www.360docs.net/doc/eb4399796.html,,选择网站查询进入储蓄/银行卡账户查询页面,依次输入储蓄/银行卡账户的账号、查询密码和附加码登录便可进行储蓄/银行卡账户信息的查询。您若已经成为建行电话银行非签约客户,可直接使用电话银行查询密码进行查询;您若是非电话银行客户或电话银行签约客户,没有查询密码,可通过拔打建设银行服务热线95533,听到语音播报后以#007快捷方式(或通过电话银行95533→8→6其他服务菜单)进入相关菜单,按语音提示设置网站查询密码,非电话银行客户设置该密码后还可直接成为电话银行非签约客户。

英语演讲比赛中即兴演讲题目

英语演讲比赛中即兴演讲题目(2006-2009) (2010-04-23 16:32:57) 转载 标签: 分类:英语收集 英语演讲比赛 即兴演讲题目 (2006-2009) 教育 (分类:#Oral English) 1. Now in the age of the Internet, reading books does not seem as important as it once was. Do you think people can learn as much on the Internet as they can by reading books? Which method do you prefer? 2. It's been said that technology creates more problems than it solves and may threaten or damage the quality of life. Is this statement reasonable? What problems does technology bring us? Use specific examples in your answer, please. 3. Literature is a significant part of human culture and some say it can help form aesthetic taste. However, is it necessary for everyone to read poetry, novels, and other types of imaginative literature? 4. Many people know how to attain success, but few know how to make the best use of it when it comes. So how do you define success and how would you make the best use of it? 5. Do you agree that the people who make important contributions to society are generally not those who develop their own new ideas, but those who are most gifted at perceiving and coordinating the talents and skills of others And please give examples to illustrate your views. 6. Most people agree that buildings represent a valuable record of the past for any society, but controversy arises when old buildings stand on ground which modern planners feel could be better used for modern purposes. In such situations, should modern development be given precedence over the preservation of historic buildings so that contemporary needs can be served?

希望之星小学英语演讲比赛即兴演讲30篇

希望之星小学英语演讲比赛即兴演讲30篇【转】 This is me Good afternoon, boys and girls. my name is ... I'm from qianjia wan. I am 12 years old. I'm a boy, and I am a student. my favorite colour is green. my favorite fruit are apples and watermelons. my favorite foods are piz zas hotdogs and hamburgers. my old friend is Zhu Jialiang. this is my new friend, Zheng Jie. look, this is Mr. Ji, my English teacher. and he is my cousin. look, i have a family photo. this is my grandfather. he's not very old. he is 64. he likes watching TV. this is my grandmother. she's 60. she loves me very much. who's this woman? she's my mother. she is 36. she's ver y beautiful. who's that man? he's my dad. he's 36, too. he always go to school with me. who's this boy? ha, h a, it's me. he's smart. my speech is over. thank you everyone, goodbye! Hobbies I have many hobbies. I like to do many things. Let me share a few. I like video games. Computer games are cool, too. I could play them all day. I like collecting cards. I play games with them. I trade them with my frie nds. Also, I like sports. I like being outdoors. I love fresh air and sunshine. Bike riding is fun. Rollerblading is ne at. Swimming is my favorite. In addition, I like to draw pictures. I like to read comics. But please don't tell my parents. Furthermore, I like music. I like to sing songs. I'm learning to play an instrument. Of course, I enjoy learning English. I like speaking with foreigners. I love watching Disney cartoons. There is more I like to do. There i s more I can say. I'll save it for another day. My family I have a wonderful family. I'm lucky to be a part of it. Let me tell you about them. My family name is Lee. My family history is long and proud. There are five people in my family now. My parents love me very muc h. They do a lot for me. When I need help, they are always there. My dad is a strong guy. He's honest and hardworking. He's like a superhero to me. My mom is a smart wom an. She can do almost anything. I just can't praise her enough. I have two siblings. They are my older brother and younger sister. Sometimes we argue, but we mainly get along. My family likes being together. We like eating out and going to the movies. We also enjoy hiking and havin g picnics. My family isn't perfect. We have our ups and downs. But we always forgive and make up. Our mo tto is “United together forever.” I'll always cherish my family. I hope your family is lovely, too. My family 2 Hello, everyone, I'm Liu Dongdong. I'm a student. There are three people in my family-my father, mother an d I. My father is 40 years old. He is a worker. I think he is a good worker. Because he works very hard. He gets up very early every day and he works for more than 10 hours a day. So he is always busy, he looks very tire d when he gets home. He likes reading newspapers. He usually reads it after supper. So he gets lots of news. My mother is 38 years old. She is a worker too. She works in a very small factory. She is not tall and she has two big eyes. She loves me and she is good for me. She always buys some books for me. She wants me to b e a top student. She also cares for my diet and life.

P2P网贷知识初级问答题

P2P网贷知识初级问答题P2P非专业知识初级篇(满分150) 一、单项选择题(每题5分,共60分) 1.中国平安集团旗下的理财平台是哪家? ( ) A.陆金所 B.拍拍贷 C.开鑫贷 D.贝通网 2.以下哪家平台的保障形式为“融资性担保公司”? ( ) A.人人贷 B.证大e贷 C.红岭创投 D.积木盒子 3.P2P的全拼是什么? ( ) A.Peer to peer B.People topeople C.Person toperson D.Previous topresent 4.以下四种哪一个不属于国内P2P平台模式? ( ) A.纯线上模式 B.线上线下相结合 C.平台与机构合作 D.纯线下模式 5.以下哪一个与其他三个明显不一样? ( ) A.网贷之家 B.网贷帝国 C.网贷世界 D.网贷快讯

6.以下哪一种不属于债权转让的类型? ( ) A.支付转让型 B.债务重组型 C.货币型 D.有负债型 7.P2P监管四条红线里哪一条是错误的? ( ) A.明确平台的中介性 B.明确平台本身不得提供担保 C.明确不允许搞资金池 D.明确不得吸收公众存款 8.等额本息还款法中每月应还本金的计算公式为? ( ) A.每月应还本金=贷款本金X{月利率X(1+月利率)^还款月数}/{(1+月利率)^还款月数—1} B.每月应还本金=贷款本金X{月利率X月利率^还款月数}/{(1+月利率)^还款月数—1} C.每月应还本金=贷款本金X{月利率X(1+月利率)^(还款月数+1)}/{(1+月利率)^还款月数—1} D.每月应还本金=贷款本金X{月利率X(1—月利率)^还款月数}/{(1+月利率)^还款月数} 9.以下哪项不属于出借人涉及的法律风险? ( ) A.电子合同合规性的风险 B.出借人债权的合法性 C.借助平台进行非法公开发行证券的风险 D.资金托管的法律问题 10.2014年上半年我国各省份P2P网贷成交量占比中排名第三的是? ( ) A.广东省 B.浙江省 C.上海市 D.北京市

公司理财一些要注意的问题

?假设npv法则中项目的现金流以相同的折现率进行在投资为什么是错误的?

?系统性风险通常是不可分散的,而非系统性风险是可分散的。但是,系统风险是可以控制的,这需要很大的降低投资者的期望收益。

?风险资产的贝塔系数β可能为0,因为当贝塔值为0时,贝塔值为0的风险资产收益=无风险资产的收益,也可能存在负的贝塔值,此时风险资产收益小于无风险资产收益。

? 1.优先股和负债的区别有: ?1)在确定公司应纳税收入时,优先股股利不能作为一项利息费用从而免于纳税。从个人投资者角度分析,优先股股利属于应纳税的普通收入。对企业投资者而言,他们投资优先股所获得的股利中有70%是可以免缴所得税的。?2)在破产清算时,优先股次于负债,但优先于普通股。?3)对于公司来说,没有法律义务一定要支付优先股股利,相反,公司有义务必须支付债券利息。因此如果没有发放下一年优先股股利,公司一定不是被迫违约的。优先股的应付股利既可以是“可累积”的,也可以是“非累积”的。 公司也可以无限期拖延(当然股利无限期拖延支付会对股票市场产生负面影响)

? 2.有些公司可以从发行优先股中获益,具体原因有:?1)规范的公共事业机构可以将发行优先股产生的税收劣势转嫁给顾客,因此大部分优先股股票都是由公共事业机构发行的。 ?2)向国内税收总署汇报亏损的公司因为没有任何的债务利息可以从中抵扣的应税收入,所以优先股与负债比较而言不存在税收劣势。因此这些公司更愿意发行优先股。?3)发行优先股的公司可以避免债务融资方式下可能出现的破产威胁。未付优先股股利并非公司债务,所以优先股股东不能以公司不支付股利为由胁迫公司破产清算。

大学生英语演讲即兴

第12届“外研社杯”全国大学生英语演讲大赛江西赛区即兴演讲话题 1.it is great to be great, but it is greater to be human. ----------rogers 2.failure is a man who has blundered, but is not able to cash in on the experience. ----------elbert green hubbard 3.no man is enough rich to buy back his past. ----------wilde 4.behavior is a mirror in which everyone shows his image. ----------goethe 5.character is what you are in the dark.. ----------moody 6.if you would be loved; love and be loved. ----------franklin ----------bacon 8. laughter is the shortest distance between two people. ----------borge 9. it is no use doing what you like, you have got to like what you do. ----------churchill 10. to go for great goals, you have to start from minor ones. ----------sukhomlinsky 11. the shortest way to do many things is to do one thing at a time. ----------smiles 12. education is not the filling of a pail, but the lighting of a fire. ----------yeats 13. the world is a ladder for some to go up and others to go down. ----------anonymous 14. all the advantages isn’t in running fast, but rather in getting an early start. ----------rabelais 15. happiness, l have discovered, is nearly always a rebound from hard work. ----------grayson 16. the farther a man knows himself to be from perfection, the nearer he is to it. -----------groote 17. a mother is not a person to lean on but a person to make leaning unnecessary. ----------fisher 18. the more things a man is ashamed of, the more respectable he is. 19. we must be prepared to displease the dearest ones for the sake of principle.. ----------gandhi

银行理财业务存在的问题及对策

银行理财业务存在的问题及对策 《金融研究》2008年第9 期 一、我国银行理财产品的现状和主要特征 随着理财市场的快速发展,银行理财产品的数量呈现快速上升态势。目前已形成人民币理财产品与外币理财产品两大类型,截至2008年 3 月底,国内共发行人民币理财产品615种,外币理财产品1467 种。目前国内银行理财产品主要呈现以下特征: 1. 两种产品预期收益率不断攀升。资料显示,2005 年推出的人民币理财产品平均预计最高收益率为 2.73%,2006 年达到 3.34%,2007 年进一步攀升到 11.73%,是2005年的4.3 倍。同时,2005年推出的外币理财产品平均预计最高收益率为 3.99%,2006 年达到 4.88%,2007 年进一步攀升到7.38%,比2005 年增长85.0%。 2. 人民币产品委托期限稳步上升,外币产品委托期限呈波动变化。资料显示,2005年推出的人民币理财产品平均委托期限为270.8 天,2006 年增至310.0 天,2007年进一步增至336 天,比2005年延长了65.2 天。2005年推出的外币理财 产品平均委托期限为345 天,2006 年减至261.6 天,2007 年回升至334.3 天, 比2005 年略降10.7 天。 3. 产品购买门槛呈增高态势。资料显示,2005 年推出的人民币理财产品平均起始金额为23000 元,2006年达到93411元,2007年略有回落,仍高达88867 元,是2005年的 3.9 倍。外币理财产品分币种看,2005年推出的美元理财产品平均起始金额为2997 美元,2006 年达到6871美元,2007年达到10919 美元, 是2005 年的 3.6 倍;2005 年推出的港币理财产品平均起始金额为14616港币,2006年达到40723港币,2007 年进一步升至55600 港币,是2005年的3.8 倍。 4. 产品发售明显倾向于经济发达地区。资料显示,银行理财产品发售较多地集中在上海、北京、广东、江苏、浙江等经济发达地区,尤其是上海作为全国的金融中心,更是银行理财的首选地。截至2008年3月底,推出的615种人民币理财产品中,28.8%的品种仅在经济发达地区发售,其中,14.5%的产品仅在上海发售;相比人民币理财产品,外币理财产品对发达地区的热衷更加突出,推出的1467 种产品中,51.5%的产品仅在发达地区发售,其中,2 5.3%的产品仅在上海发售。 5. 产品发售以非国有商业银行为主。资料显示,四大国有商业银行(建设银行、工商银行、农业银行、中国银行)发售银行理财产品的力度明显不如其他商业银行。截至2008年 3 月底,推出的615 种人民币理财产品中,四大国有银行共发售106种,所占比例仅有17.2%,其他商业银行共发售509 种,所占比例高达82.8%。推出的1467 种外币理财产品中,四大国有商业银行共发售425 种,所占比例仅有290%,其他商业银行共发售1042 种,所占比例高达71.0%。股份制商业银行在理财发售总额中占据了一半以上,成为理财产品的主要发售银行。 6. 美元和港币是外币理财产品的主要币种。资料显示,从外币理财产品的构成来看,美元和港币占绝对优势。截至2008年3月底,推出的1467种外币理财产品中,美元理财产品有991种,占6 7.6%,港币理财产品有317种,占21.6%,其他币种理财产品有159 种,仅占10.8%。 综上所述,我们不难发现:目前,国内理财产品呈现出明显的“两高一长” 的特征,即预期收益率高、购买门槛高和委托期限长。众所周知,高预期不等于高回报,门槛高和期限长意味着大量的资金可能会被套牢。在这样的前提下,广大消费

相关文档
最新文档