HongkongBank汇丰银行笔试题-19页word资料

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HongkongBank汇丰银行笔试题-19页word资料

Hongkong Bank汇丰银行笔试题1．Please state why you chose to follow these activities and how they have contributed to your personal development．You may wish to give details of your role whether anyone else was involved and any difficulties you encountered．2．Please state how you have benefited from your work experience．3．How much is your present monthly salary including allowances．4．Do you need to compensate your present employer if you resign? If so, please give details．5．Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6．Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are．2019年光大银行笔试真题第一部分填空题共10题1、2019年奥运会的口号是：2、2019年提出新四化是：3、根据巴塞尔协议，商业银行资本充足率不能低于：4、本世纪前20年，我国的发展目标是：5、光大银行的愿景是：第二部分选择题包括商业银行、金融产品、会计知识、推理判断等等第三部分问答及案例题每题6分共4题1、毕业前，你们班想组织一次活动，促进班集体的关系，当作毕业前的美好回忆。

HSBCInterview-汇丰银行面试问题资料讲解

HSBC I n t e r v i e w - 汇丰银行面试问题36 Behavior questi onsWhy do you want to work for the positi on?1.Say you spoke to __________ , who ' s in this positionhovecperienee2. Why do you want to work for the company?3. What differe ntiate you from other can didate?4. Tell me about yourself: Tell your life stories in 3 mi ns, more laid backWalk me through your resume: more formal, pick top experie ncesTips: Prep for the two vers ions5. Tell me what you enjoy the most about your school experie nee.Tips: talk about academic, extracurricular activities and professi onal developme nt6. Favourite course and least favourite course7. 5-10 YEAR Career GOAL8. How would work ing for our compa ny help you achieve your long term goal?9. Hobbies outside class?Tips: Not just any hobbies. Try to tie the hobbies into the positionIf it is an analytical role that requires market knowledge, say you spent 3 hours a day to follow the n ewsIf its people type of role, say football experienee, and tie it back to the position, say you learned to work with ppl through football, you are used to work with people, its part of you. So you want this role.10. Tell me about your previous work experie nee?11. Tell me about the skills you have acquired through your eduction, employment and other activities that you believe will help you in this job at our job?Tips: Break down to academic experienee including CFA, your work and extracurricular experie nces12. Do you like working with others or working along.Tips: Say both depe nding on the n ature of the work. Experie need work ing in depe nden tly and working with a team in your role as a student ambassador for TMX( Work solo at U of T, work collaboratively with other ambassadors from other schools)13. Major accomplishme nt to date?14. Why do you thi nk you will be the most successful can didate at this role.Tips: “ read job descripti on, see your compa ny is look ing for people with skill 1, skill 2, skill 3 ” . Then elaborate the 3 skills you have that match with the job description.15. Do you work well un der stress?16. . If some one you worked with was un able to carry out their resp on sibilities, would you assist them and how would you go about it?17. Tell me a time when you came up with a creative idea18. Talk about your best project19. Tell me about a time you displayed leadership20. Tell me about a time when you had to deal with an unsatisfied coworkers/ boss?21. There are times when we are faced with problems. Describe a time when you had to deal witha small problem before it became a huge problem.22. Describe a time where you failed in one of your job assignments23. Give me an example of how you suggested an idea to your boss and how you sold the idea to him.24. What was your best writte n achieveme nt? How do you do research for the writte n piec??25. ? describe a prese ntatio n you had to do26. When taking high risks, sometimes it is possible to have a failure. Have you taken a high risk, which has later worked fine, but initially you have questioned yourself whether it was worth to take the risk? /How you convince, what strategy you use to convince team to choose your soluti ons.27. tell me about a time whe n you proposed improveme nts to the compa ny (or your boss)28. .tell me about a new tran siti on that you had to me make and how you adjusted29. . 5 stre ngths & 3 weak ness30. success story about dem on strati ng tech ni cal skillsTell me a time whe n had to com muni cate someth ing tech ni cal to some one with a non-tech ni cal backgro und, in writ ing31. how have you dealt with a situati on that was bound to fail32. Has anyone ever asked you or put you into a situati on where your ethical decisi on making is jeopardized? How have you dealt with it? How did you han dle difficult people at workplace33. Why choose the finance major?34. . Tell me about time you gave idea to ano ther person?Coachi ng/ show ing compassi on / Use your kno wledge to help some one/ Ask the right questi on /give a suggestio n/helped some one?35. What was a situatio n where you failed to achieve your stated goal?/ Work below expectati on.36. Do you make your opinions known whe n you disagree with the views of your supervisor?。

汇丰银行英语面试问题【精选】

汇丰银行英语面试问题【精选】汇丰银行英语面试问题问题一：汇丰银行的interview一般有1次笔试，2-3次面试。

面试主要分为2个方面，英语自我介绍，英语回答问题和中文回答问题。

问题一般涉及你为什么要选择汇丰，你能不能承受高压的工作啊，这些问题，最后你也有个问hr问题的机会。

问题：1.自我介绍?2.为什么选择进银行业?3.为什么选汇丰?4.之前有没有团队合作经历?举例?5.有没有碰到很难合作的人?你是怎么处理的?举例?6.有什么优点可以让你胜任这个职位?6.性格里有什么缺点?举例?我也参加过类似的这样的面试和笔试，好象是英语和数字的，主要目的是要考查你听写英语的水平和对数据的触觉及反应.相信数据录入员应该也差不多.首先是英语，题目比cet英语四级考试要略简单一些，但也不要粗心大意，有听力和阅读两部分，题量比较大;第二就是用两组数据来考查你对数字的触觉，相同的后面打个勾，不同的就不管，有很多题，在他们规定的时间内是做不完的，考查你的速度.其实做什么都尽力就好了，是勉强不来的，尽了自己最大的努力，问心无愧.问题二：首先是笔试，第一，对数字的敏感，考题内容是有左右两组数字，如果左边的数字与右边的数字相同，就打勾，左右不相同的话，就不用打勾，时间是两分钟做200道。

第二，英语听力，会播放类似录音的英文对话，然后再选择正确答案。

第三，英语理解，有一段英文内容的文字，看完之后再选择正确答案。

笔试通过，就会通知第一次面试，第一次面试不难，就是一个hr的跟你中英文对话，问一下你的情况，经历，问一下你未来三年有什么计划，接着会有一小段的英文要你读一下，再翻译，读错了不要紧，不要错得一个单词都不会就没问题，最后会问你有没有问题要问他，一定要问，什么问题都好，别说没有问题。

第一次面试通过，会通知交资料，身份证复印件等等，然后是体检，接着是考打字速度，更简单，要求没分钟25个英文以上，正确率百分之90以上就行，如果没达到，不要紧，继续打，打到合格为止，hr的人不会理你，最要紧的是你有个合格的成绩给他记录交差就行。

汇丰银行面试题

汇丰银行面试题. Please state why you chose to follow these activities and how they have contributed to your personal development. You may wish to give details of your role whether anyone else was involved and any difficulties you encountered.请说明你为什么选择这些步骤以及它们对你的个人发展有何贡献，你最好能就你的角色中所可能遇到的任何人或者遭遇到的任何困难给出细节。

2. Please state how you have benefited from your work experience.请说明你是如何从你的工作经验中获益的。

3. How much is your present monthly salary including allowances. 请问你现时包括所有津贴在内的每月薪水是多少。

4. Do you need to compensate your present employer if you resign？If so，please give details. 如果你现在辞职是否需要给原雇主以补偿？如果需要，请详细说明。

5. Other than academic success，what has been your greatest achievement to date？What do you see as your personal strength，why？除了纯粹的成功以外，还有其它最大的成就么，你如何看待你的个人力量？为什么？6.Please state why the position you have applied for is appropriate for you；Why you have selected HongKong Bank and what your career objectives are. 请说明为什么你所期望的位置适合你，为什么你选择汇丰银行以及你的事业目标是什么HSBC笔试和面经发信人:solzhu(sol),信区:job标题:我的面经4发信站:饮水思源(2004年03月03日11:32:37星期三)一笔（全英文）1.numerical35分钟35题。

汇丰银行笔试题及答案

汇丰银行笔试题及答案数字推理1: 1，3，15，（c）A 46B 48C 255D 2562: 5 25 6 12 （a）A 8B 11C 37D 72理由是:5,先按平方升到25,然后回落到6(5+1),然后倍增到12,然后回落到8(6+2)3: 3 1 9 12 (c )A 5B 8C 14D 204: 8把144 张卡片平均分成若干盒，每盒在10 张到40 张之间，则共有（b）种不同的分法。

A 4 B 5 C 6 D 75.甲、乙、丙、丁、戊5 人各借了一本小说，约定读完后相互交换。

这5本书的厚度和他们的阅读速度都差不多，因此5 人总是同时换书。

数次交换后，5 人每人都读完了这5 本书。

现已知：（1）甲最后读的书是乙读的第二本书。

（2）丙最后读的书是乙读的第四本书。

（3）丙读的第二本书甲在一开始就读了。

（4）丁最后读的书是丙读的第三本书。

（5）乙读的第四本书是戊读的第三本书。

（6）丁第三次读的书是丙一开始读的那一本。

根据以上情况，你能说出丁第二次读的书是谁最先读的吗？（戊）6.红、蓝、黄、白、紫五种颜色的珠子各一颗，都用纸包着摆在桌上。

有甲、乙、丙、丁、戊五个人，猜纸包里的珠子的颜色，每人限猜两包。

甲猜：第二包是紫的，第三包是黄的。

乙猜：第二包是蓝的，第四包是红的。

丙猜：第一包是红的，第五包是白的。

丁猜：第三包是盘的，第四包是白的。

戊猜：第二包是黄的，第五包是紫的。

猜完后打开纸包一看，每人都猜对了一种，并且每包都有一个人猜对。

请你也猜一猜，他们各猜中哪一种颜色的珠子？（第一包是红的。

第二包是蓝的。

第三包是黄的。

第四包是白的。

第五包是紫的）7.住在某个旅馆的同一房间的四个人A ，B ，C ，D 正在听流行音乐，她们当中有一个人在修指甲，一个人在写信，一个人躺在床上，另一个人在看书。

（1）A 不在修指甲，也不在看书。

（2）B 不躺在床上，也不在修指甲。

（3）如果A 不躺在床上，那么D 不在修指甲。

关于汇丰银行的笔试题目

关于汇丰银行的笔试题目笔试(Written Test)是一种与面试对应的测试，是考核应聘者学识水平的重要工具。

这种方法可以有效的测量应聘人的基本知识、专业知识、管理知识、综合分析能力和文字表达能力等素质及能力的差异。

下面是关于汇丰银行笔试题目，请参考！数字推理1: 1，3，15，（ c）A 46B 48C 255D 2562: 5 25 6 12 （ a）A 8B 11C 37D 72理由是:5,先按平方升到25,然后回落到6(5+1),然后倍增到12,然后回落到8(6+2)3: 3 1 9 12 (c )A 5B 8C 14D 204: 8把144 张卡片平均分成若干盒，每盒在 10 张到40 张之间，则共有（ b）种不同的分法。

A 4 B 5 C 6 D 75.甲、乙、丙、丁、戊5 人各借了一本小说，约定读完后相互交换。

这5本书的厚度和他们的阅读速度都差不多，因此5 人总是同时换书。

数次交换后，5 人每人都读完了这5 本书。

现已知：（1）甲最后读的书是乙读的第二本书。

（2）丙最后读的书是乙读的第四本书。

（3）丙读的第二本书甲在一开始就读了。

（4）丁最后读的书是丙读的第三本书。

（5）乙读的第四本书是戊读的第三本书。

（6）丁第三次读的书是丙一开始读的那一本。

根据以上情况，你能说出丁第二次读的书是谁最先读的吗？（戊）6.红、蓝、黄、白、紫五种颜色的珠子各一颗，都用纸包着摆在桌上。

有甲、乙、丙、丁、戊五个人，猜纸包里的珠子的颜色，每人限猜两包。

甲猜：第二包是紫的，第三包是黄的。

乙猜：第二包是蓝的，第四包是红的。

丙猜：第一包是红的，第五包是白的。

丁猜：第三包是盘的，第四包是白的。

戊猜：第二包是黄的，第五包是紫的。

猜完后打开纸包一看，每人都猜对了一种，并且每包都有一个人猜对。

请你也猜一猜，他们各猜中哪一种颜色的珠子？（第一包是红的。

第二包是蓝的。

第三包是黄的。

第四包是白的。

HSBC 的提问

汇丰银行HSBC1.At HSBC we are looking for graduates and interns who are passionate about working for usand have a real interest in our industry.QuestionPlease tell us about your interest in the role that you have applied for and HSBC. Please address the following questions in your response:-Why are you interested in the role at HSBC?-What specifically have you done that demonstrates your interest in this role and HSBC?当我还是高中生的时候，我就对国际会计和国际金融充满了兴趣，所以大学我选择了学习ACCA，也正是因为学习ACCA，我有更多的机会接触到国际上的金融和经济。

那个时候我便有意向在未来进入国际性的银行工作，为此，我查找过很多国际银行的资料，汇丰银行正是其中一所。

汇丰银行香港最大的注册银行，以及香港三大发钞银行之一this imply that HSBC has very strong competitive ability and adaptiveness.，并且优质服务已获得广泛的认可It demonstrates that HSBC has a good fame.，And the good reputation of HSBC attracts me most. 这也是为什么我选择了汇丰银行Those are reasons why I choose HSBC 为了让我自己更加符合银行的岗位需求，我努力在刚过去的两年内学习ACCA，目前我已经通过了ACCA的10门国际统考，我还计划在毕业之后的三年内考上CFA.Since I’m a high school student, I’m interested in international accounting and international finance, so I chose ACCA as my major in my university. It is also because by learning ACCA, I have more opportunities to access the international finance and economic .At that time, I already had the intention to enter a international banks in the future, to this end, I found a lot of international banks information, and HSBC is one of them. HSBC is the largest registered bank of Hongkong and one of the three major banks in Hongkong, this imply that HSBC has very strong competitive ability and adaptiveness. And HSBC's quality service has been widely recognized, this demonstrates that HSBC has a good fame. And the good reputation of HSBC attracts me most.HSBC, as an important international bank, I can work for future career opportunities.Those are the reasons I choose HSBC.In order to make myself in line with the needs of the bank's position, in just the past two years, I worked hard in ACCA. Until now, I have passed 10 subjects of ACCA, and I am Making preparation of P3&P4. After graduation, I plan to admitted to the CFA, within three years.2．We want our graduates and interns to have successful careers at HSBC and, therefore, we want to ensure that you have the relevant skills for your programme. We are equally interested in recruiting graduates and interns from finance and non-finance degrees. We are particularly interested in the transferable skills通用技能that you have gained from the variety of experiences that you have had.QuestionWhat skills do you believe are important to be successful on the HSBC graduate or intern programme for which you are applying? Please give specific examples of how you have demonstrated some of these skills.I think that flexibility, leadership and Communication skills are important to be successful on the HSBC graduate or intern programme.Flexibility: When I was working for a company, as a member of a team, the next week we weresupposed to prepare a financial reports on three subsidiaries of a wine group. But an expected event during the working paper of the consolidated financial statements , result in the redistribution of the work load. Before the weekend, I have been asked to do prepare financial reports on three subsidiaries of a wine group by myself for Monday. Being not very familiar with financial reports on this wine group.I had to get familiar on this particular topic and gained the knowledge necessary for the task(such as learn how to use eAudit in audit ). Even despite the short time and the novelty of the task, I was able to successfully complete the work and enable my team concentrate on they own task.Communication: When I was in a company as a logistics supervisor, the milk before each meal was distributed to the whole camp teachers and students by my partner and me .One day, the milk was temporarily changed into different two grades, one was better than the other. My partner advised that the milk should be distributed in accordance with the grades of classes. (Three grades of classes: basic class, improving class and foreign teacher class. Different grades, different tuitions)I thought that this approach of distribution is controversial and maybe lead an argument, so I advocated distributing milk according to the students' age, primary school students and junior high school students would have the milk with higher grade. There is a problem I have to solve: Every headteacher would choose the better one for their student and they maybe object to my point. To persuade each headteacher of senior classes, I explained patiently that we should not graduate classes in accordance with tuition. I also play a trick: it is a virtue for youth to take good care of the children.Finally, the milk was distributed according to my suggestion. The teachers accepted the result with understanding and joy.Leadership: When I served as an activity assistant in a company, every class needed to perform a staged cantata in the party, this task was supervised by me. To succeed, I realized that it is important for the leaders to mobilize emotion and manage time in a reasonable manner.The time of preparing this program was very limited. In order to save time, Firstly I collected songs when my students were having classes, then my students spend half an hour to decide which song would be chosen. Secondly, the students and I agreed to spend most of their time on singing practice and only spend a small proportion of the time in the outdoor on queuing and transforming formation.To fire up the passion of all the class, I divide all students in 4 groups, and then compete with each other. To inspire the collective consciousness and confidence of the whole class,I led students over and over again to sing loudly in the classroom with music player.Finally, nothing is impossible for a willing heart,my class won the best group award3．At HSBC our objective is to be the world’s leading international bank. In all that we do, we also must consider the potential risks.QuestionIn your opinion, what are the top three risks facing HSBC globally and why?From my perpective, the most important risk is Interest Risk. Interest Risk that concerns the balance sheet of the bank. Highlighting several central banks that have raised rates prematurely,the analysts say that post-crash economies often perform differently to pre-crash economies and are therefore hard to judge. Premature tightening can bring recoveries driven by low rates to an end, and, with US wage growth not yet rebounding strongly, HSBC said there are signs a rate rise may yet prove unhealthy.Credit Risk: For different analysts the impact of a slowdown in growth could be particularly damaging given the still-fragile state of the global economy. Expanding that analysis into investment implications, the likely impact of a slowdown would be widening the credit spreads, a flattening US treasury yield curve and a "widespread US dollar rally".Market Risk :As emerging markets have lost their appeal for international investors over the last two years, many countries' economies have been seriously affected. The governments of those countries have begun looking at structural reforms to bolster growth.4. Everything we do at HSBC is done with “Courageous Integrity”勇敢正直. We expect everyone, no matter what their level or experience, to take accountability for doing the right thing. QuestionPlease describe a situation when you have challenged someone about a decision or an action you felt was wrong. Please address the following questions in your response:-What was the situation?-Why did you challenge the person?-What challenges did you face in doing this?-What approach did you take and why did you choose this approach?-How did they react to your challenge?-What was the direct result of your involvement?-What did you learn from this experience?When I was an intern in a company, my supervisor handed me a task of checking whether the figures on the final financial report were right. Other interns and employees who received such a task would be doing this in accordance with the usual method - first printing the report, and then calculating one by one. I thought such method would be very troublesome, so I told my idea of a different approach to my supervisor. But she was firmly opposed to my point of view and criticized me for wasting time.But I think I should persist in my view and approach. So, after my working hours, I asked for the electronic version of the report from my supervisor, and then show my approach to her - First coping each addend of forms into the statement to Excel(not copy the sum number),and then calculating a sum number, finally I just needed to make a comparison between the sum numbers on the two tables. After that I told her:By using this method, large amount of time could be saved, errors of manual operation calculator would be avoided, and the result thus became more accurate.At last, this method was use widely in the company service.5.Self-motivation and drive to succeed自我激励意识和成功的动力我在新东方实习工作时，从面试到培训再到入营工作，每一步都不简单，四个月下来，大部分助教有的在培训期间放弃的，有的在工作中途离开的，我也不止一次想放弃，但每次都说服自己坚持了下来。

汇丰银行资料

汇丰银行
汇丰银行概况简介
about HSBC
• 香港上海汇丰银行有限公司（The Hongkong and Shanghai Banking Corporation Limited，简称HSB C和汇丰）为汇丰控股有限公司的全资附属公司，属于汇丰集团的创始成员以及在亚太地区的旗舰，也是香港最大的注册银行，以及香港三大发钞银行之一（其他两个是中国银行（香港）和渣打银行），总部位于中环皇后大道中1号香港汇丰总行大厦，现时香港上海汇丰银行及各附属公司主要在亚太地区设立约700间分行及办事处。
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请你简要计划一下这次活动（经费2000元左右）2、请介绍一下光大的理财产品及推广办法。

3、如果领导在报告会上读错了一个重要的数字，如果不纠正的话会影响后继工作，你会怎么做？4、有以下几种国债，如果市场处于做空状态，不计交易成本，是否存在无风险套利机会？要怎样进行？期限年利率息票率现在价格1年4% 0% 96．1542年8% 0% 85．7342年8% 8% 100第四部分翻译题每题6分共2题1、National bureau of stat istics announced Wednesday country’s output is 12．34 trillion Yuan ($1．56 trillion), per-capita gross domestic product(GDP) is 1700 Yuan …Economist predicted that growth in 2019 will valid from 8% to 10% or more than,but…2、经过全行的精心准备和大力营销，阳光一号基金取得了骄人的佳绩。

2019年1月4日，全国范围内的阳光一号基金营销额达到了25亿元。

广州分行的成绩喜人，提前14天全部完成营销量。

第五部分：作文题传承和发扬。

1500字以内，30分2019年中国人民银行招聘笔试题一、判断题（1*15）1．如果本国货币贬值，出口同样的物品将换得更少的外汇，资源将从生产出口品的行业转移到生产进国内需求品的行业。

2．根据分散化投资的原理，一个投资组合中所包含的股票越多，风险越小。

3．国际自由贸易可以使每个人的福利得到提高。

4．根据IS-ML分析框架，人们对债券需求的增加并不会影响利率水平。

5．当面临货币市场冲击时，为减少产出波动，货币政策应该以利率水平为操作目标。

6．市场经济作为一种资源配置方式，既可以存在于资本主义经济中，以可以存在于社会主义经济中，不同社会经济制度中的市场经济，并不受其赖以存在的社会经济制度的影响和制约。

7．个人收入的分配包括初次分配和再分配，前者是在微观领域中进行的，后者是集中宏观领域中进行的。

8．充分就业是指使所有符合法律规定、有工作能力的人都可以找到有报酬的工作。

9．金融风险是由于各种不稳定因素的影响，从而发生损失的可能性。

10．非现场监管是监管当局针对单个银行在合并报表的基础上收集资料、分析银行机构经营稳健型和安全性的一种方式。

11．1988年7月巴塞尔银行监管委员会发布的《巴塞尔报告》，其内容就是确认了监管银行资产的可行性统一标准。

12．外汇市场本身并不是一种融资市场，但是他对融资具有重要作用。

54yjs．cn13．商业银行的中间业务也叫表外业务。

14．如果人们预期利率下降，则：少买债券、少存货币。

15．通货膨胀实际上是一种加征的税收，还会导致财政支出更大幅度的增加。

二、单项选择题（1*30）1．在使用相同资源的条件下，日本可生产30辆汽车或40台计算机，美国可生产40辆汽车或50台计算机，下面哪种说法是正确的？A、日本在汽车生产上有比较优势B、美国在计算机生产上具有比较优势C、美国在这两种商品的生产上都具有比较优势D、日本在计算机生产上具有比较优势E、日本在这两种商品的生产上都具有比较优势2．下列那一项不会使咖啡的需求曲线右移？A、袋泡茶价格上升B、咖啡伴侣价格下降C、消费者收入增加D、咖啡价格下降E、对咖啡因害处的关注减少3．购买了医疗责任保险的医生会在每个病人上花费较少时间，这属于：A、逆向选择B、道德风险C、风险厌恶D、适应性预期E、以上都不是4．如果一个人对3000元的课税收入交500元的税，对4000元交1000的税，增加的1000元的边际税率是：A、 25%B、 30%C、 35%D、 40%E、 50%5．如果一个公司发现本公司股票价格被严重低估，并且有大量的现金，此时他最有可能的选择是：A、发放大量的现金股利B、回购公司股票C、送红股D、分拆股票E、以上都不是6．在开放经济中：A、私人储蓄+净资本流入=投资+政府储蓄B、私人储蓄=净资本流入+投资+政府储蓄C、私人储蓄+投资=净资本流入+政府储蓄D、私人储蓄+净资本流入+政府储蓄=投资E、私人储蓄+净资本流入+投资=政府储蓄7．如果你预期未来一年中，所有债券的收益率都将从目前的6%下降到5%，此时你最好买入新发行的：A、5年期的零息债券B、5年期的附息债券C、10年期的零息债券D、10年期的附息债券E、以上都一样8．根据CAPM，一项收益与市场组合收益的协方差为零的风险资产，其预期收益率：A、等于0B、小于0C、等于无风险收益率D、等于无风险收益率加上特有风险溢价E、等于市场组合的收益率9．关于股票期权的说法不正确的是：A、看跌期权的价值不会超过其执行价格B、看涨期权的价值不会超过其标的股票的价值C、对美式期权来说，在其他相同的情况下，到期时间越长价值越大D、对欧式期权来说，在其他相同的情况下，到期时间越长价值越大E、在没有分红时，美式期权不会被提前执行10．不是MM理论成立的假设是：A、不存在销售税B、不存在公司所得税C、投资者具有公司一样的信用等级D、不存在委托代理成本E、没有风险11．两个公司A、B都需要借入1000万美元的3年期债务，分别面临如下的融资条件：固定利率A7．5%、B6．1% 浮动利率Ａ6个月LIBOR+0．95% 6个月LIBOR+0．35%以下说法正确的是：A、如果B需要浮动利率借款，A需要固定利率借款，则不需要利率互换B、B在浮动利率借款上具有比较优势C、如果满足适合互换条件，A、B从互换中得到的总收益为0．6%D、如果满足适合互换条件，A、B从互换中得到的总收益需要视LIBOR而定E、如果满足适合互换条件，A、B从互换中得到的总收益为0．8%12．根据弗里德曼的永久性收入假说，如果收入税的变化是：A、永久的话，那么它对刺激消费的作用将小于暂时性的税收变化B、暂时的话，那么它对刺激消费的作用将小于凯恩斯模型所预测的变化C、暂时的话，那么它对刺激消费的作用将等于凯恩斯模型所预测的变化D、暂时的话，那么它对刺激消费的作用将大于凯恩斯模型所预测的变化E、暂时的话，那么它对刺激消费的作用将大于永久性的税收变化13．在短期国库券利率给定的情况下，给支票账户付息将：bbs．54yjs．cnA、减少货币的机会成本，诱使人们持有较少的货币B、增加货币的机会成本，诱使人们持有较少的货币C、对货币的机会成本没有影响，其机会成本仍然按短期国库券利率D、增加货币的机会成本，诱使人们持有较多的货币E、减少货币的机会成本，诱使人们持有较少的货币14．假设价格水平固定，而且经济中存在超额生产能力。

当货币供给增加使利率降低，进而使投资与国民收入增加时，________________，国民收入增加越多。

A、货币需求越有弹性，投资曲线越有弹性或边际消费倾向越高B、货币需求越没弹性，投资曲线越没弹性或边际消费倾向越高C、货币需求越没弹性，投资曲线越没弹性或边际消费倾向越小D、货币需求越没弹性，投资曲线越没弹性或边际消费倾向越高E、货币需求越有弹性，投资曲线越没弹性或边际消费倾向越高15．如果人均资本品的数量较大，人均资本品的一个给定的增加值并未导致人均产量的较小增加值，则________________抵消了________________的影响。

A、收益递减规律，劳动力增长B、收益递减规律，技术进步C、劳动力增长，较高投资D、技术进步，收益递减规律E、技术进步，劳动力增长16．在生产资料所有制所包含的各种经济关系中，决定生产资料所有制最基本的经济关系是：A、生产资料的归属关系B、生产资料的占有关系C、生产资料的支配关系D、生产资料的使用关系17．法人治理结构是指：A、以企业法人作为企业资产控制主体的一项法律制度B、企业内部权力机构的设置、运行及权力机构之间的联系机制C、明确企业出资者应对企业的经济活动承担有限财产责任的一项法律制度D、企业的出资者委托经营者从事经济活动的契约关系18．对个人收入进行再分配或调节的重要主体是：A、政府B、集体组织C、社会团体D、国有企业19不具有竞争和排他性的物品通常被称为：A、公共物品B、私人物品C、纯公共物品D、自然垄断产品20．如果政府把经济增长作为宏观调控的政策目标，通常要实行扩张性的财政政策和货币政策，以刺激总需求，一般情况下，这会导致：A、物价水平下降或通货紧缩B、物价水平上升或通货膨胀C、就业机会减少或失业率提高D、通货紧缩和就业机会增加21．资本国际流动的内在动力是：A、资本过剩B、资本短缺C、利用货币利差及汇率变动获取收益D、给流入国和流出国都带来收益22．国债作为特殊的财政范畴，其基本功能是：A、筹集建设资金B、弥补财政赤字C、调节收入分配D、调节经济运行23．我国会计准则规定，企业的会计核算应当以什么为基础：A、实地盘存制B、永续盘存制C、收付实现制D、权责发生制24．主要提供企业财务状况信息的会计报表是：A、资产负债表B、利润表C、现金流量表D、利润分配表25．投资基金管理机构作为资金管理者获得的收益是：A、服务费用B、服务费用并按红利分红C、按比例分红D、服务费用和代理费用26．法定存款准备金率越高，存款扩张倍数：A、越小B、越大C、不变D、为零27．决定汇率长期趋势的主导因素是：A、国际收支B、相对利率C、心理预期D、相对通货膨胀率28．一国居民可以在国内自由持有外汇资产，并可自由地在国内把本国货币兑换成外币资产，则该国实现了：A、经常项目可兑换B、资本项目可兑换C、对外可兑换D、对内可兑换29．中国人民银行于2019年7月21日宣布，人民币对美元即日升值2%，即1美元兑人民币：A、8．11元B、8．17元C、8．21元D、8．27元30．对单一借款客户的受信集中度不得高于：A、8%B、15%C、10%D、5%三、多选20％2×101．外部性的解决方法2．配额的危害3．倾销。