姓名:_________________編號:_________________地區:_________________省市:_________________ 密封線 姓名:_________________編號:_________________地區:_________________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，請考生注意書寫規范；考試時間為120分鐘。2.在作答前，考生請將自己的學校、姓名、班級、準考證號涂寫在試卷和答題卡規定位置。

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的答題區域內規范作答，超出答題區域書寫的答案無效:在草稿紙、試卷上答題無效。一、選擇題

1、銀行的活期存款人通知銀行在其存款額度內無條件支付一定金額給持票人的書面憑證是（）。A.支票B.匯票C.本票D.存單

2、根據國現行憲法規定,我國實行由（）負責保障憲法實施的體制。A.司法機關B.立法機關C.專門機關D.行政機關

3、Itisveryimportantthatthetextisneithertoodetailed___toocomplexfortheintendedreaders.A.norB.orC.noD.not

4、銀行的現金資產包括()。A.營業利潤B.庫存金銀C.營業外收支凈額D.利息收入

5、（）是單位和個人在銀行開立的主要賬戶。A.基本賬戶B.輔助賬戶C.活期儲蓄存款D.定期儲蓄存款

6、屬于銀行自制的、無限期的、不可辨認的且不可轉讓的無形資產是指()。A.專營權B.土地使用權C.商譽D.商標權

7、資料：Nomatterhowcarefullyyoupickthemembersonyourteam,youmaystillendupwithanegativeemployee.Theseworkersdon’tnecessarilyfallintothecategoryof“toxic,”butthey’rejustkindofadragwiththeircynical,pessimisticworldview.Ifyou‘redealingwithanegativeemployee,hereare3stepstotake.FINDOUTWHYIfyoudecidetoproceedinaddressingthebehavior,thinkaboutwhethertherehavebeenbehaviorchangesrecently.Isthenegativityaconstantorhasthebehaviorescalated?Ifthelatter,wasthereaneventthatleduptothechange?Individualsintheworkplacelivemulti-dimensionallives,andothernon-workplacestressesmayimpactworkproductivityandmood.InanApril2016reportintheJournalofManagerialPsychology,ateamofTorontoresearchersfoundthatemployeewhoarecynicaloftheirworkplacemayfeelmorepositiveiftheirmanagersaresupportive.DISCUSSGOALSWhendiscussingthesituationwithyournegativeemployee,itisrecommendedtoframethediscussioninthecontextoftheIndividual’sgoals.”Tonepolicing”whereyousimplypointoutpessimisticcommentarywithoutaddressingtherootcause,rarelyworksandmayjustcausemoreresentment.Gettotherootoftheissueandfindoutiftheemployeeneedsadditionaltraining,perhapsinmanagementorcommunicationskills,toovercomeadeficit.ADDRESSISSUESAdirect,solutions-orientedconversationwiththeemployeecanuncoverproblemsorcircumstancesdrivingthebehavior.Ifthereareworkplaceissuethatcanbesolved,considerdoingsoifitmakesense.Iftherearepersonalissuesthathavecausedanescalationinnegativebehavior,examinewhetheraccommodationscanbemadetohelpthepersonwhilethey’regoingthroughsuchchallenges.Someemployeesdon’thavegreatinterpersonalskills,andputtingtheminjobswheretheyaremorefocusedonjob-relatedtasksthanoninteractionswithotherscanbeaneffectivesolution,too.Accordingtoparagraphthree,whatdoesthephrase”tonepolicing”mean?A.BeingveryinquisitivejustlikeapolicemanB.Speakingdirectlyaboutone’sshortcomingwithoutconsideringone’sfeelingsC.HittingthenailontheheadintheconversationD.Focusingonthenegativeemotionbehindamessageratherthantherealproblem

8、Passage5Arapidmeansoflong-distancetransportationbecameanecessityfortheUnitedStatesassettlementspreadeverfartherwestward.Theearlytrainswereimpracticalcuriosities,andforalongtimetherailroadcompaniesmetwithtroublesomemechanicalproblems.Themostseriousonesweretheconstructionofrailsabletobeartheload,andthedevelopmentofasafe,effectivestoppingsystem.Oncetheseweresolved,therailroadwasestablishedasthebestmeansoflandtransportation.By1860therewerethousandsofmilesofrailroadscrossingtheeasternmountainrangesandreachingwestwardtotheMississippi.Therewerealsoregionalsouthernandwesternlines.Thehighpointinrailroadbuildingcamewiththeconstructionofthefirsttranscontinentalsystem.In1862CongressauthorizedtwowesternrailroadcompaniestobuildlinesfromNebraskawestwardandfromCaliforniaeastwardtoameetingpoint,soastocompleteatranscontinentalcrossinglinkingtheAtlanticseaboardwiththePacific.TheGovernmenthelpedtherailroadsgenerouslywithmoneyandland.Actualworkonthisprojectbeganfouryearslater.TheCentralPacificCompany,startingfromCalifornia,usedChineselabor,whiletheUnionPacificemployedcrewsofIrishlaborers.Thetwogroupsworkedatremarkablespeed,eachtryingtocoveragreaterdistancethantheother.In1869theymetataplacecalledPromontoryinwhatisnowthestateofUtah.Manyvisitorscamethereforthegreatoccasion.Therewerejoyouscelebrationsalloverthecountry,withparadesandtheringingofchurchbellstohonorthegreatachievement.Therailroadwasveryimportantinencouragingwestwardmovement.Italsohelpedbuildupindustryandfarmingbymovingrawmaterialsandbydistributingproductsrapidlytodistantmarkets.InlinkingtownsandpeopletooneanotherithelpedunifytheUnitedStates.Thebuildingofthefirsttranscontinentalsystem（）.A.broughtaboutarapidgrowthofindustryandfarminginthewestB.attractedmanyvisitorstotheconstructionsitesC.attractedlaborersfromEuropeD.encouragedpeopletotravelalloverthecountry

9、閱讀下列短文，從短文后各題所給的四個選項中，選出可以填人空白處的最佳選項。Thegovernmentistobanpaymentstowitnessesbynewspapersseekingtobuyuppeopleinvolvedinprominentcases?1?thetrialofRosemaryWest.Inasignificant?2?oflegalcontrolsoverthepress，LordIrvine，theLordChancellor，willintroducea?3?billthatwillproposemakingpaymentstowitnesses?4?andwillstrictlycontroltheamountof?5?thatcanbegiventoacase?6?atrialbegins.InalettertoGeraldKaufman，ChairmanoftheHouseofCommonsMediaSelectCommittee，LordIrvinesaidhe?7?withacommitteereportthisyearwhichsaidthatselfregulationdidnot?8?sufficientcontrol.?9?ofthelettercametwodaysafterLordIrvinecauseda?10?ofmediaprotestwhenhesaidthe?11?ofprivacycontrolscontainedinEuropeanlegislationwouldbelefttojudges?12?toParliament.TheLordChancellorsaidintroductionoftheHumanRightsBill，which?13?theEuropeanConventiononHumanRightslegally?14?inBritain，laiddownthateverybodywas?15?toprivacyandthatpublicfigurescouldgotocourttoprotectthemselvesandtheirfamilies.“Pressfreedomswillbeinsafehands?16?ourBritishjudges，”hesaid.Witnesspaymentsbecamean?17?afterwestwassentencedto10lifesentencesin1995.Upto19witnesseswere?18?tohavereceivedpaymentsfortellingtheirstoriestonewspapers.Concernswereraised?19?witnessesmightbeencouragedtoexaggeratetheirstoriesincourtto?20?guiltyverdicts[中國工商銀行真題]A.bindingB.convincingC.restrainingD.sustaining

10、按照《勞動合同法》的有關規定，企業進行經濟性裁員時，應當優先留用的勞動者中不包括（）。A.與本單位訂立無固定期限勞動合同的B.與本單位訂立較長期限的固定期限勞動合同的C.因公負傷在規定的醫療期滿后還不能從事原工作的D.家庭無其他就業人員，有需要扶養的老人或者未成年人的

11、物體的慣性大小取決于（）A.物體的運動速度B.物體的質量C.物體的加速度D.物體受到的合力

12、關于會計核算的基本前提，下列說法中不正確的是（）。A.會計基本假設包括會計主體、持續經營、會計分期和貨幣計量B.如果企業發生破產清算.經相關部門批準后，可以繼續適用持續經營假設C.在我國.以公歷年度作為企業的會計年度。即公歷1月1日至12月31日D.會計的貨幣計量假設，包含了兩層含義：一是以貨幣作為會計的統一計量單位：二是作為會計計量單位的貨幣.其幣值是穩定不變的

13、Itprovidesthatnostatemay“______anypersonoflife,libertyorproperty,withoutdueprocessoflaw.”A.depriveB.deriveC.dispatchD.discharge

14、下面（）不是計算機局域網的主要特點。A.地理范圍有限B.數據傳輸頻率高C.通信延遲時間較低。可靠性較好D.構建比較復雜

15、中國古代哲學家荀子說：“心不在焉，則A黑在前而目不見，雷鼓在側而耳不聞。”這句話表明人的意識具有（）。A.客觀性B.能動性C.對象性D.任意性

16、Isnotfairthatyoucomehomeafterabaddayatworkand（）yourwifeandchildren.A.takeitoutonB.takeonitwithC.takeoutonD.takeoutiton

17、Astheyhadrunoutofsugar,theyusedhoneyasa（n）______forit.A.exchangeB.assistanceC.substituteD.preference

18、如果一個公司經營狀況嚴重惡化，要謹慎采用哪種用組織變革方式？（）A.改良式B.漸進式C.計劃式D.爆破式

19、在我國加入WTO后的今天，外資銀行已經逐步突破地域、業務等限制進入我國市場。外資銀行在我國拓展業務，由于對國情、民情和金融法規不甚了解，難以準確把握市場信息。外資銀行把握市場信息的捷徑就是實現管理人員的“本土化”。外資銀行用優厚的薪酬待遇、優越的工作環境、良好的福利保障、眾多的出國培訓機會、靈活的用人機制來吸引和留住人才。這一舉措導致了我國金融人才的大量流失，這對我國商業銀行人力資源開發和管理提出了嚴峻挑戰。根據上述材料，回答以下問題：人力資源開發和管理居于現代管理中的（）地位。A.主要B.重要C.次要D.核心

20、下列關于負債的說法，錯誤的是（）。A.是由企業過去的交易或者事項所形成的B.是企業承擔的現時義務C.預期會導致經濟利益流出D.一般將負債分為短期借款與長期借款

21、中央銀行和商業銀行的貨幣職能分別是（）。A.提供原始貨幣、制造派生貨幣B.制造派生貨幣、提供原始貨幣C.促進貨幣流通、方便貨幣支付D.方便貨幣支付、促進貨幣流通

22、一代偉人毛澤東的詩句“坐地日行八萬里，巡天遙看一千河”反映的哲學觀點是（）。A.空間的無限性B.時間的無限性C.運動的絕對性和靜止的相對性D.人的認識能力是不受空間限制的

23、Whilethepreliminaryresearchisfavorable,itmaytakeyearsforBogorPharmacouticalstodevelop____evidenceofthedrug’seffectiveness.A.conclusionB.concludeC.conclusiveD.concludes

24、下列選項中屬于同業拆借的是()。A.甲銀行為彌補信貸資金缺口從乙銀行拆入一筆資金B.甲銀行融人資金投資房地產C.甲銀行在停止營業時發現資金收支不平衡向其他銀行融入長期資金D.甲銀行內部分支機構之間的資金調度

25、Today,only4millionpeopleliveandworkonfarmsintheUnitedStates,buttheyproducemorethanenoughfoodfor200millionAmericans.Theyareabletodothisbecausemodernagriculturedependsmoreonup-to-datemachineryandscientificmethodsthanitdoesonold-fashionedknowledgeandhumanlabor.Thesedays,onemanorwomanspendinganafternooninanair-conditioned,stereo-equippedtractorcandotheworkthatyearsagowouldhaverequiredhundredsofhoursofback-breakingdrudgery.Asaresultofthemodernizationofagriculture,thefarmoftodaylooksalotlikeafactory.Whenthefarmer'shenslaytheireggs,conveyorbeltscarrytheeggsofftobesortedandpacked.Ifthefarmerkeepspigs,thosepigswillnotbewallowinginthemud,butlyingaroundinsanitarypens.Andthefarmerislikelytobefoundstudyingacomputerprint-outoflong-rangeweatherconditions.Whyisn’tthefarmermilkingcowsinthebarn?Theansweriseasy:Amachineisdoingit.Thisrelianceonmoderntechnologyhasitsproblemsforfarmers.Thetractorsthatplowtheirfields,thecombinesthatreapandthreshthegrain,andthesilosthatstorethegrainforwinterfeedingareallveryexpensive.Forexample,asingletractorcancostasmuchas$50,000.Withoutthisequipment,farmerscouldnotruntheirfarmsprofitably,but,topayforit,farmersmusttakeoutlargebankloans.Asinglebadseasoncouldputthemdeeplyindebt.And,whenthemachinerywearsoutorbecomesobsolete,thefarmersmustreplaceitwithnewer,moreexpensivemodels.Still,mostfarmersarewillingtoputupwiththesedifficultiesbecausetheirmachineshavefreedthemfromtheheavylaborandhardlifethatfarmershadtoendureinthepast.Itcanbeinferredfromthethirdparagraphthat（）.A.moderntechnologyhasbroughtaboutalotoftroubleB.moderntechnologyhascostfarmersalotofmoneyC.farmerswereputdeeplyindebtD.moderntechnologyhasreleasedfarmersfromheavylabor

26、資料：ThefederalgovernmentonWednesdayrecommendedanendangered-specieslistingfortheloggerheadturtlesinU.S.Waters,adecisionthatcouldleadtotighterrestrictionsonfishingandothermaritimetrades.Environmentalgroupswho’dbeenpushinganendangeredlistingsaidtheproposalwasa“turningpoint”theyhopewillleadtogreaterturtleprotections.“Ithinkit’shugedayforloggerheadseaturtles,”saidBethRiff,amarinewildlifescientistatOceana.“itreallydrawsattentiontothefacttheseturtlesarenotdoingwellandmoreneedstobedonetoprotectthem.”Withallthatattentiontopaidtothem,you’dthinkthesecreatureswouldatleasthavethegratitudenottogoextinct,butNatureisindifferenttohumannotionsoffairness.Noonereallyknowshowmanyloggerheadthereare,orhowmanyarebeingkilledbyfishinggearorotheractivities.Riffcitesa40percentdropinthenumberofnestingfemalesinFloridaoverthelastdecadeasevidenceoftrouble.Loggerheadsarenamedfortheirlargeheads,whichcontainpotentjawsthatcancrushthehardshellsofpreysuchasconch.Theturtlesareaboutthesizeofafistwhentheyhatchandmakeafrenzieddashtothesurf.Buttheytypicallygrowtomorethanthreefeetinlengthand250pounds.Theanimalcanlogthousandsofmilesasittravelsacrossoceans.BarbaraSchoder，nationalseaturtlecoordinatorforNOAA’sfisheriesdivision,saidthebiggestthreatstotheNorthPacificloggerheadincludedamagetoprimarynestingsites,whicharemainlyinJapan，aswellasaccidentalsnaringoftheturtlesinfishinggear.AndreaTeeofSanFrancisco-basedCenterforBiologicalDiversitysaidtheturtlesgethookedbyHawaiianlonglinefishermentargetingswordfishandtunaandcanbeinjuredordrowned.OntheEastCoast,themainthreattoturtlesisgearfromtheregion’svariousfishenesSchodersaid.Aprimarybenefitoftheendangeredstatuswouldbeincreasedpublicpressureonprotectingthespecies,Riffsaid.Butthegovernmentwouldalsohavetodetermine“criticalhabitats，”suchaswheretheturtlesreproduceorforage.Suchplacescouldbesubjecttoadditionalprotectionsfortheturtles,includingrestrictionsonmaritimedevelopmentorfishing.Likeeveryotherenvironmentalissuetoday,thisisplayingoutagainstthebackgroundofglobalwarmingandhumaninterferencewithnaturalecosystems,Thenarrowstripsofbeachonwhichtheturtleslaytheireggsarebeingsqueezedononesidebydevelopmentandontheotherbythreatofrisingsealevelsastheoceanswarm.Ultimatelywemustgetahandleonthoseissuesaswell,oracreaturethatoutlivedthedinosaurswillmeetitsendatthehandsofhumans,leavingourdescendantstowonderhowcreaturesouglycouldhavewonsomuchaffection.Howdoesglobalwarmingaffectthesurvivalofturtles?A.ItthreatensthesandybeachesonwhichseaturtleslayeggsB.TherisingclimatemakesitdifficultfortheireggstohatchC.TherisingsealevelsmakeitharderfortheirhatchlingstogrowD.Ittakesthemlongertoadapttothehightemperatureinthebeach

27、Manystateshave______,amendedorrepealedlawstoimproveschoolnutrition.A.institutedB.organizedC.manufacturedD.enacted

28、中國農業銀行于2010年7月15日和16日正式在上海和香港兩地上市，至此，中國四大國有商業銀行全部實現上市，中國金融改革開始新的一頁。根據上述材料，回答問題：（）是指由股份有限公司簽發的用以證明股東所持股份的憑證，它表明股票持有者對公司的部分資本擁有所有權。A.股票B.證券C.債券D.投資基金

29、資料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the“higherup”hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“Thisstereodoesnotwork”Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Whydoestheauthormentiontheexampleofstereoinparagraph3?A.ToillustratethatitwillbebetterifthecustomerstatesthespecificproblemB.ToshowthatthestereoisreallynotworkingC.TocomplainaboutthestereoD.Tostressthatsomethingiswrongwiththeleftspeakerandthesound

30、我國的燦爛優秀文化中，有不少言簡意賅的成語寓于哲理，尤其是具有批判意義的詞語很耐人尋味。下列成語中否認了聯系具有客觀性的是（）。A.竭澤而漁B.照貓畫虎C.東施效顰D.指鹿為馬

31、資料：“Ourcarsareforpeoplewhowantsomethingdifferent.”Thishasbeenthesloganforover50yearsofSupremaCars,amanufacturerofanEnglishsportscar.Thecarismostlyhandmadeinthecompany'sfactoryinnorthernEngland.SupremaCarproducesapproximately500carsayear.About5yearsago,thecompanybegantolosesalesandmarketshare,andinthelasttwoyears,ithasmadealoss.Recently,therehavebeenproblemswiththelaborforce.Thefactoryworkershavedemandhigherwagesandbetterworkingconditions.Theyarealsounhappybecausethemanagementisinsistingthattheyincreaseproduction,buttheworkersthinkthiswillhaveabadeffectonthequalityofthecars.Thecompanystillhasmanyloyalcustomers.PeoplebuySupremasportscarsbecausetheyarehandmadeandhaveanimageofqualityandcraftsmanship.WhichofthefollowingisNOTaproblemthatSupremaCarsisfacing?A.Customers’distrustofproductsB.AfinanciallossC.UnhappyworkersD.Lossonsalesandmarketshare

32、Passage4Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.Thehouse-owner,forexample,knowsthathispropertycanbedamagedbyfire;theship-ownerknowsthathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageandleavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeettheneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthecontributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionareknownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnotofakindthatcanbestatisticallyestimated—andriskscanonlybeinsuredagainstiftheycanbesoestimated.Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthebestquality.Itstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumofmoney,calledthe"premium",whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,iftheriskoreventinsuredagainstactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasoundreasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthemeaningofdoubtfulphrasesinpolicies.Thelawcourts,intheirjudgments,havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshavecontinuedtobeusedinpoliciesevenwhentheyhavepassedoutofnormaluseinspeech.Thephrase"thepoolofcontributions"inthefirstparagraphmeans（）.A.themoneypaidbytheinsurersB.thecostofadministeringinsuranceC.themoneypaidbytheinsuredD.theamountofeachpremium

33、在下列有關賬項核對中，不屬于賬賬核對的內容是（）。A.銀行存款日記賬余額與其總賬余額的核對B.銀行存款日記余額與銀行對賬單余額的核對C.總賬賬戶借方發生額合計數與明細借方發生額合計數的核對D.總賬賬戶貸方發生額合計數與明細貸方發生額合計數的核對

34、一次校友聚會有35人參加，在參加聯歡會的同學中，每個女生認識的男生人數各不相同，而且恰好構成一串連續的自然數，最多的全認識，最少的也認識12個，這次聚會有（）個女生。A.24B.13C.12D.無法確定

35、Itisbettertodieonone’sfeetthan（）A.livingonone’skneesB.liveonone’skneesC.onone’skneesD.toliveonone’sknees

36、Theycouldgiveyouanationally____qualificationandtheexperienceyouneedtogetthejob.A.recognizedB.viewedC.regardedD.realized

37、2020年4月29日，中共中央政治局委員會召開會議，會議指出，黨中央研究確定了支持湖北省經濟社會發展（），從財政稅收、金融信貸、投資外貿等方面明確了具體措施。A.全包全攬計劃B.加速加快發展C.一攬子政策D.一省帶一市

38、Inadesperatemovetoincreasetheirrevenuestomeettheirsalesgoal,thecompanyisplanningtoofferaspecialdiscount（）itscustomers.A.byB.toC.withD.upon

39、Passage2Globalwarmingiscausingmorethan300,000deathsandabout$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.WhatdoesDr.PielkesayabouttheForum’sreport（）A.ItsstatisticslookembarrassingB.ItisinvalidintermsofmethodologyC.ItdeservesourclosestattentionD.Itsconclusionispurposelyexaggerated

40、財務報表項目中的數字其直接來源是（）。A.原始憑證B.記賬憑證C.明細賬簿D.賬簿記錄

41、在影響需求價格彈性的因素中，時間因素與商品需求價格彈性大小的關系是（）。A.兩者間的關系需要根據具體商品才能判定B.時間越長，商品需求價格彈性越小C.時間越短，商品需求價格彈性越小D.兩者間不存在任何關系

42、Writingoutalltheinvitationsbyhandwasmoretime-consumingthanwe（）.A.willexpectB.areexpectingC.expectD.hadexpected

43、Nowthatwehaveanescapedpoliticalprisoneronthe______,everybodyisfightingshyofhavinganythingtodowithpeoplelikeyou.A.looseB.releaseC.slackD.relax

44、資料：Weallknowthatlackofsleepaffectsourmemoryalongwithothercognitiveabilities.Sittingintheofficesleepdeprivesit’sdifficulttorememberyourownname,letalongtheever-lengtheningto-dolist.Butnownewresearchshowsthatnotgettingenoughsleepincreasesthechancesyourmindwillactuallycreatefalsememories.Thestudy,publishedinPsychologicalScience,allowedonegroupofparticipantstogetafullnights’sleepwhileanotherhadtostayupallnight.Inthemorningtheyweregivenaseriesofphotosthatweresupposedtoshowacrimebeingcommitted.Next,bothgroupsweregivensomeeyewitnessstatementsaboutthecrime.Likemanywitnessstatementsinreal-lifecrimesthedetailsweredifferenttothoseshowninthephotographs.Forexample,inoneinstancethephotoshowedathiefputtingawalletinhisjacket,butinthewitnessstatementitsaidheputitinhispants（that's‘trousers’forBritishpeoplenothisunderwear!）.Afterwardstheywereaskedwhattheyhadseenintheoriginalphotographs.Theresultsshowedthatthosewho'dmissedoutontheirsleepwerethemostlikelytoregurgitatethefalseeyewitnessstatementsthey'djustreadratherthanrememberingthe‘true’crime-scenephotosthey'dbeenshownmomentsbeforehand.Thelackofsleephadmessedwiththeirheadstotheextentthealltheevidence—rightandwrong—hadgotmixedup.Oneofthestudy'sauthors,KimberlyFenn,said:”Peoplewhorepeatedlygetlowamountsofsleepeverynightcouldbemoreproneinthelongruntodeveloptheseformsofmemorydistortion.It'snotjustafullnightofsleepdeprivationthatputsthematrisk.Indeed,apreliminarystudytheycarriedoutfoundthatgettingjustfivehourssleepwasenoughtocausepeopletostartmanufacturingfalsememories.Whatisthedependentvariableinthestudy?A.CreationoffalsememoriesB.MemorydeprivationC.CrimebeingcreatedD.Differentdetailsshown

45、資料：Whenaconsumerfindsthatanitemsheorheboughtisfaultyorinsomeotherwaydoesnotliveuptothemanufacturer'sclaims，thefirststepistopresentthewarranty，oranyotherrecordswhichmighthelp.atthestoreofpurchase.Inmostcases，thisactionwillproduceresults.However，ifitdoesnot，therearevariousmeanstheconsumermayusetogainsatisfactionAsimpleandcommonmethodusedbymanyconsumersistocomplaindirectlytothestoremanager.Ingeneral，the“higherup”hisorhercomplaint，thefasterheorshecanexpectittobesettled.Insuchacase，itisusuallysettledintheconsumer'sfavor，assumingheorshehasajustclaim.Consumersshouldcomplaininpersonwheneverpossible，butiftheycannotgettotheplaceofpurchase，itisacceptabletophoneorwritethecomplaintinaletter.Complainingisusuallymosteffectivewhenitisdonepolitelybutfirmly，andespeciallywhentheconsumercandemonstratewhatiswrongwiththeiteminquestionIfthiscannotbedone，theconsumerwillsucceedbestbypresentingspecificinformationastowhatiswrong.ratherthanbymakinggeneralstatements.Forexample，“Theleftspeakerdoesnotworkatallandthesoundcomingoutoftherightoneisunclear”isbetterthan“Thisstereodoesnotwork”Thestoremanagermayadvicetheconsumertowritetothemanufacturer.Ifso，theconsumershoulddothis，statingthecomplaintaspolitelyandfirmlyaspossible.Ifapolitecomplaintdoesnotachievethedesiredresult，theconsumercangotoastepfurther.Sheorhecanthreatentotakethesellertocourtorreportthesellertoaprivateorpublicorganizationresponsibleforprotectingconsumer'srights.Accordingtothepassage，whatistheadvantageofcomplainingdirectlytothestoremanager?A.TheproblemwillbesettledfasterB.Theproblemwillusuallybesettledi