2018年国家公务员考试(银保监财经类)真题试卷答案

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经济金融基础知识单项选择题---为题目类型
1.如果我国人民币升值,且其他条件不变,那么可能发生( )。
(A)进口趋于增加
(B)出口趋于增加
(C)边际进口趋于下降
(D)政府预算赤字趋于下降
2.寡头垄断市场的主要特征是( )。
(A)资本容量过剩
(B)较高的利润率
(C)企业生产差别产品
(D)企业之间存在依存关系
3.货币的产生源于( )。
(A)金银的天然属性
(B)国家的发明创造
(C)商品交换过程中商品内在矛盾的发展
(D)人们相互协商的结果
4.商业银行投资标的中,非标准化的资产是( )。
(A)信贷资产
(B)货币市场工具
(C)权益类金融工具
(D)衍生类金融工具
5.《中华人民共和国商业银行法》规定,商业银行的流动性比例不得低于( )。
(A)10%
(B)15%
(C)20%
(D)25%
6.为满足世界经济增长和贸易发展,美元必须持续供应;但持续供应美元将难以维系美元同黄金的固定比价,这叫( )。
(A)不可能三角
(B)米德冲突
(C)特里芬难题
(D)美元的不可得性
7.奥肯定律说明了( )。
(A)失业率与实际国民生产总值呈负相关关系
(B)失业率与实际国民生产总值呈正相关关系
(C)失业率与物价水平呈负相关关系
(D)失业率与物价水平呈正相关关系
8.既定的一组经济资源可以分别生产A、B、C三种产品。生产B产品收入900万元,生产C产品收入1 000万元,那么生产A产品的机会成本为( )。
(A)900万元
(B)1 000万元
(C)1 900万元
(D)100万元
9.在影响基础货币增减变动的因素中,最主要的影响因素是( )。
(A)中央银行对商业银行债权
(B)中央银行对政府债权
(C)国外净资产
(D)固定资产的增减变动
10.( )会增加单位生产成本,从而使总供给曲线左移。
(A)减少企业税
(B)经济过分高涨遇到瓶颈约束
(C)进口经济资源价格上升
(D)放松对企业的管制
11.衡量商业银行综合经营实力和抵御风险能力的重要指标是( )。
(A)风险管理水平
(B)资本充足率
(C)风险加权资产
(D)资金流动性
12.外汇交易报价中,1个基点(BP)是指( )。
(A)0.001
(B)0.000 1
(C)0.000 01
(D)0.000 001
13.( )用来衡量商业银行信用风险变化程度,表示资产质量从上期到本期变化的比率。
(A)逾期贷款率
(B)不良贷款率
(C)贷款风险分类迁徙率
(D)预期损失率
14.基尼系数是衡量—个国家贫富差距的标准。若设G为基尼系数,G的数值范围为( )。
(A)0≤G≤1
(B)﹣1≤G≤0
(C)0.5≤G≤1
(D)﹣1≤G≤﹣0.5
15.若短期总需求大于总供给,可能产生的结果是( )。
(A)减少总供给
(B)增加总需求
(C)降低物价
(D)提高物价
16.当政府对企业实施排污收费制度,那么企业的最大污染量( )。
(A)对应于排污费等于MSC(边际社会成本)
(B)对应于排污费等于产品价格
(C)对应于排污费等于MCA(边际成本)
(D)等于零,因为企业必须为污染付费
17.不属于中央银行业务类型的是( )。
(A)发行货币
(B)集中存款准备金
(C)吸收个人存款
(D)管理国家黄金和外汇储备
18.对擅自设立银行业金融机构或者非法从事银行业金融机构业务活动的,由银保监会( )。
(A)警告
(B)限期纠正
(C)批评
(D)取缔
19.在看跌期权交易中,理论上损失无限、收益有限的是( )。
(A)期权买入者
(B)期权卖出者
(C)期权持有者
(D)期权清算者
20.存款准备金率越高,则货币乘数( )。
(A)越大
(B)越小
(C)不相关
(D)不一定
银保监财经类专业单项选择题---为题目类型
21.未预期到的通货膨胀会使财富( )。
(A)从年轻一代转移到上一代
(B)从穷人转移到富人
(C)从债权人转移到债务人
(D)从债务人转移到债权人
22.无差异曲线任一点上,商品X和商品Y的边际替代率等于它们的( )。
(A)价格之比
(B)数量之比
(C)边际效用之比
(D)边际成本之比
23.经济学中的货币需求是一种( )。
(A)主观意愿上的需求
(B)不受客观制约的资金需求
(C)社会学意义上的资金需求
(D)有支付能力的需求
24.不属于商业银行表外业务特点的是( )。
(A)不运用或不直接运用商业银行自有资金
(B)接受客户委托办理业务
(C)收取手续费获得收益
(D)不承担任何风险
25.国务院银行业监督管理机构监管的机构包括( )。
(A)小额贷款公司
(B)汽车金融公司
(C)担保公司
(D)融资租赁公司
26.商业银行拨备覆盖率的计算公式是( )。
(A)贷款损失准备/各项贷款
(B)贷款损失准备/逾期贷款
(C)贷款损失准备/不良贷款
(D)贷款损失准备/逾期90天贷款
27.根据《商业银行操作风险管理指引》,( )承担监控银行操作风险管理有效性的最终责任。
(A)股东大会
(B)董事会
(C)高级管理层
(D)监事会
28.其他情况不变,中央银行提高商业银行再贴现率,货币供给量将可能( )。
(A)增加
(B)减少
(C)不变
(D)不定
29.( )是指商业银行在追求短期商业目的和长期发展目标的过程中,因经营决策错误对银行收益或银行资本形成的现实和长远的影响。
(A)操作风险
(B)市场风险
(C)战略风险
(D)法律风险
30.假设某银行期末各项贷款余额是100亿元,其中正常类贷款60亿元,关注类贷款20亿元,次级类贷款10亿元,可疑类贷款7亿元,损失类贷款3亿元,那么该银行不良贷款率为( )。
(A)3%
(B)10%
(C)20%
(D)40%
31.风险价值(VaR)是指在一定的持有期和给定的置信水平下,利率、汇率等市场风险要素发生变化时可能对某项资金头寸、资产组合或机构造成的( )损失。
(A)实际最大
(B)潜在最大
(C)实际最小
(D)潜在最小
32.铸币平价是指( )。
(A)两国货币单位代表的美元之比
(B)两国货币单位含金量之比
(C)两国货币单位购买力之比
(D)两国货币单位价值量之比
33.如果名义GDP增加5%,GDP平减指数增加3%,那么实际GDP( )。
(A)增加2%
(B)减少2%
(C)增加8%
(D)减少8%
34.将货币政策的松紧与短期名义利率的升降完全联系起来是不对的,因为( )。
(A)中央银行负责制定货币政策而不是调整利率
(B)股票价格是衡量货币政策松紧程度更好的指标
(C)名义利率变动可能并非由实际利率变动引起
(D)短期利率变动对贷款和存款的影响非常小
35.某国实际货币需求减少,可能是由于( )。
(A)通货膨胀率上升
(B)利率上升
(C)税收减少
(D)总产出增加
36.关于股票市场存在泡沫的问题,下列说法正确的是( )。
(A)即使市场参与者是理性的也可能发生
(B)证明有效市场假说是错误的
(C)当股票价格直接跟随股票的基础价值移动时发生
(D)应该能够被股票分析师预测到
37.根据理性预期总供给函数,只要中央银行公开宣布提高货币增长率,则( )。
(A)失业率和通货膨胀率都会上升
(B)失业率不变,通货膨胀率上升
(C)失业率和通货膨胀率都不发生变化
(D)失业率上升,通货膨胀率不一定上升
38.下列因素,导致公众偏向于持有通货或活期存款的是( )。
(A)定期存款利率上升
(B)国库券利率上升
(C)公众流动性偏好下降
(D)活期存款利率上升
39.如果规模报酬不变,增加20%的劳动量,但保持资本数量不变,则总产量将( )。
(A)增加20%
(B)减少20%
(C)增加小于20%
(D)增加大于20%
40.商业银行存入中央银行的准备金与社会公众所持有的现金之和是( )。
(A)货币供应量
(B)基础货币
(C)不兑现信用货币
(D)货币需求量
41.边际收益递减和规模报酬递减两者之间( )。
(A)互为因果关系
(B)前因后果关系
(C)前果后因关系
(D)前提条件不同,不能互为因果关系
42.对于货币总量中资产的流动性,下列表述正确的是( )。
(A)M1中资产的流动性高于M2
(B)M2中资产的流动性高于M1
(C)由于它们都是货币,所以M1和M2流动性相同
(D)货币总量中唯一的流动性资产是通货
43.生产可能性曲线是从( )推导出的。
(A)消费契约曲线
(B)效用可能性曲线
(C)社会福利曲线
(D)生产契约曲线
44.关于现值的特征,以下说法不正确的是( )。
(A)终值越大,现值越大
(B)未来支付的期限越短,现值越大
(C)利率越低,现值越小
(D)现值和终值的变动方向和比例一致
45.在博弈中实现纳什均衡意味着( )。
(A)参与人的行动是对称的
(B)参与人不想改变现在的策略
(C)参与人的支付是一样的
(D)参与人的策略是一样的
46.信用货币主要源于货币的( )职能。
(A)价值尺度
(B)流通手段
(C)贮藏手段
(D)支付手段
47.下列关于委托贷款的说法不正确的是( )。
(A)银行赚取利差
(B)风险由委托人承担
(C)银行不承担信用风险
(D)银行不代垫资金
48.根据我国《商业银行资本管理办法》的有关规定,在特定情况下,商业银行应当计提逆周期资本,逆周期资本要求为风险加权资产的( )。
(A)0%~1%
(B)0%~1.5%
(C)0%~2%
(D)0%~2.5%
49.在风险水平、流动性和税收政策等因素相同的条件下,到期期限不同的债券的收益率连线称为( )。
(A)期限结构曲线
(B)收益率曲线
(C)风险结构曲线
(D)利率曲线
50.在开放经济的政策调节中,每一目标应当指派给对这一目标有着相对最大影响力、因而在影响政策目标上有相对优势的工具。这一原则称为( )。
(A)丁伯根原则
(B)平价原则
(C)盯住原则
(D)有效市场分类原则
51.经济增加值(EVA)是商业银行绩效考评体系中的核心指标之一,该指标的计算公式是( )。
(A)风险调整后利润-(经济资本占用×资本预期回报率)
(B)风险调整后利润-(监管资本占用×资本预期回报率)
(C)风险调整后利润+(监管资本占用×资产预期回报率)
(D)风险调整后利润+(经济资本占用×资产预期回报率)
52.本币贬值不一定能立即改善国际收支,对此进行解释的理论是( )。
(A)预期自我实现效应
(B)蜜月效应
(C)离婚效应
(D)J曲线效应
53.( )用来衡量企业所有者利用自有资金获得融资的能力。
(A)盈利能力比率
(B)杠杆比率
(C)流动性比率
(D)效率比率
54.根据《关于促进互联网金融健康发展的指导意见》,互联网金融业务的客户资金应实行第三方存管,除另有规定外,从业机构应当选择( )作为资金存管机构。
(A)证券公司
(B)基金公司
(C)商业银行
(D)保险公司
55.银行风险管理的流程是( )。
(A)风险控制—风险识别—风险监测—风险计量
(B)风险识别—风险控制—风险监测—风险计量
(C)风险识别—风险计量—风险监测—风险控制
(D)风险控制—风险识别—风险计量—风险监测
56.借款人的还款能力出现明显问题,完全依靠其正常营业收入无法足额偿还贷款本息,即使执行担保,也可能会造成一定损失,这种情况是属于贷款五级分类中的( )类贷款。
(A)关注
(B)次级
(C)可疑
(D)损失
57.银行理财产品销售管理是指理财业务( )管理,理财投资管理是指理财业务( )管理。
(A)资金端;资产端
(B)资金端;客户端
(C)资产端;资金端
(D)资产端;客户端
58.地方政府债券一般由( )代为发行和兑付。
(A)国务院
(B)中国人民银行
(C)财政部
(D)证监会
59.在商业银行信用风险管理实践中,设定贷款集中度限额的做法属于( )策略。
(A)风险补偿
(B)风险对冲
(C)风险转移
(D)风险分散
60.商业银行的核心一级资本不包括( )。
(A)实收资本
(B)超额贷款损失准备
(C)一般风险准备
(D)未分配利润
61.银行账户的项目通常按照( )计价。
(A)名义价值
(B)市场价值
(C)公允价值
(D)历史成本
62.商业银行的内部评级应具有彼此独立、特点鲜明的两个维度:第一维度是客户评级,第二维度是( )。
(A)借款评级
(B)债项评级
(C)债务人评级
(D)债权人评级
63.贷款定价中的风险成本一般是指( )。
(A)预期损失
(B)非预期损失
(C)异常损失
(D)以上均有
64.以下不属于商业银行资产业务的是( )。
(A)金融债券发行
(B)证券投资
(C)贷款
(D)票据贴现
65.根据《中华人民共和国商业银行法》的规定,国务院银行业监督管理机构对商业银行实行接管的期限最长不得超过( )。
(A)1年
(B)2年
(C)3年
(D)5年
66.下列选项,不属于贷款五级分类法主要考虑的因素的是( )。
(A)借款人的还款能力
(B)借款人的还款意愿
(C)借款人的还款记录
(D)借款人的借款时间
67.根据《中华人民共和国物权法》的规定,不能设定抵(质)押的有( )。
(A)原材料
(B)矿山
(C)应收账款
(D)提单
68.受托人违反《中华人民共和国信托法》,利用信托财产为自己谋取利益的,所得利益( )。
(A)归入受益人
(B)归入信托财产
(C)归入委托人
(D)罚没归入国库
69.按照《银行业消费者权益保护工作指引》的规定,不属于银行业消费者的是( )。
(A)购买银行理财产品的私人银行客户
(B)储蓄客户
(C)办理委托贷款的某企业
(D)办理住房抵押贷款的客户
70.在我国,受银保监会监管的非银行金融机构不包括( )。
(A)信托公司
(B)汽车金融公司
(C)典当行
(D)企业集团财务公司
71.为规范银行业金融机构理财及代销产品销售行为,国务院银行业监督管理机构要求对每笔产品销售过程同步录音录像,录音录像的内容不包括( )。
(A)营销推介过程
(B)揭示产品风险及关键信息
(C)消费者对产品的确认和反馈
(D)转账划款过程
72.根据《关于促进互联网金融健康发展的指导意见》的规定,下列关于网络借贷机构表述错误的是( )。
(A)网络借贷机构是信息中介
(B)网络借贷机构是信用中介
(C)网络借贷机构采取小额分散的经营模式
(D)网络借贷机构不得在线下从事营销活动
73.最有可能是一个国家国际收支平衡表中资本和金融项目持续赤字的原因是( )
(A)经常项目收入增加
(B)经常项目收入减少
(C)资本持续流入
(D)资本持续流出
74.以下关于古典利率理论的说法不正确的是( )。
(A)根据古典利率理论,资本供给主要来自社会储蓄,需求来自消费
(B)古典利率理论使用的是流量分析方法
(C)古典利率理论是一种局部均衡理论
(D)根据古典利率理论,利率能自动调节经济实现均衡
75.( )会提高企业的投资激励。
(A)资本折旧率提高
(B)实际利率上升
(C)通胀率上升
(D)名义利率上升
76.某消费者对商品1和商品2的效用函数为min{3X1,X2},则在该消费者看来,两种商品属于( )。
(A)不完全替代品
(B)完全互补品
(C)替代比率为1:3
(D)替代比率为3:1
77.零息债券的久期与其到期期限的关系是( )。
(A)久期长于到期期限
(B)久期短于到期期限
(C)久期等于到期期限
(D)现有条件无法确定
78.在到期日相同的情况下,当一定期限内利率敏感性资产超过利率敏感性负债时,利率下降会导致金融机构( );相反,当一定期限内利率敏感性负债超过利率敏感性资产时,利率上升会导致金融机构( )。
(A)盈利;损失
(B)损失;损失
(C)盈利;盈利
(D)损失;盈利
79.根据《商业银行与内部人和股东关联交易管理办法》的规定,重大关联交易是指商业银行与一个关联方之间单笔交易金额占商业银行资本净额( )以上,或商业银行与一个关联方发生交易后商业银行与该关联方的交易余额占商业银行资本净额( )以上的交易。
(A)1%;5%
(B)3%;10%
(C)5%;10%
(D)5%;15%
80.由美国经济学家鲁迪格·多恩布什提出的,用于分析汇率形成的“超调模型”,其本质上是一种( )。
(A)套利分析方法
(B)总量分析方法
(C)黏性价格分析方法
(D)蒙特卡罗分析法
银保监财经类专业多项选择题---为题目类型
81.通常认为,下列属于货币政策中介指标选择标准的是( )。
(A)可控性
(B)可测性
(C)相关性
(D)抗干扰性
82.以下属于商业银行贸易融资方式的是( )。
(A)保理
(B)福费廷
(C)出口押汇
(D)项目融资
83.在宏观经济政策中,属于内在稳定器的项目有( )。
(A)政府购买
(B)税收
(C)政府转移支付
(D)政府公共支出
84.生产要素的价格是( )。
(A)支付生产要素在某段时间内所提供服务的代价
(B)购买生产要素本身(源泉)所需要支付的代价
(C)由供给和需求决定的
(D)由边际生产力决定的
85.影响利率的风险因素有( )。
(A)通货膨胀风险
(B)违约风险
(C)流动性风险
(D)偿还期限风险
86.中央银行可以主动用于调节外汇市场的手段包括( )。
(A)使用外汇储备
(B)买卖央行票据
(C)调节利率
(D)向IMF借款
87.国务院银行业监督管理机构及其派出机构对监管对象做出的行政处罚包括( )。
(A)警告
(B)没收违法所得
(C)责令停业整顿
(D)罚款
88.银行业金融机构的国别风险主要包括( )。
(A)战略风险
(B)政治风险
(C)经济风险
(D)社会风险
89.市场准入监管的内容包括( )。
(A)机构的设立 .
(B)调整业务范围
(C)董事及高级管理人员任职资格
(D)增加业务品种
90.由市场决定资源配置的条件是( )。
(A)市场主体产权清晰
(B)经济决策分散
(C)公平竞争
(D)政府放弃监管
91.交易成本是围绕交易产生的成本,包括( )。
(A)搜寻成本
(B)签订契约成本
(C)监督和执行契约所花费的成本
(D)违约引起的索赔成本
92.商业银行不得采取( )等手段违规吸收或虚假增加存款。
(A)高息揽储
(B)通过第三方中介吸存
(C)以贷吸存
(D)通过理财产品倒存
93.建立防火墙是并表监管的有效机制,防火墙的主要形式包括( )。
(A)业务限制
(B)减股限制
(C)高级管理人员兼职限制
(D)风险转移限制
94.在固定汇率制度下,会出现米德冲突的情况是( )。
(A)经济衰退,国际收支逆差
(B)经济衰退,国际收支顺差
(C)通货膨胀,国际收支逆差
(D)通货膨胀,国际收支顺差
95.根据货币流通规律,关于货币需求量M与其他相关变量的关系,下列说法正确的是( )。
(A)与物价水平成正比
(B)与货币流通速度成正比
(C)与货币流通速度成反比
(D)与物价水平成反比
96.信息科技风险产生的原因包括( )。
(A)系统故障
(B)违规操作
(C)IT外包
(D)自然灾害
97.影子银行的风险主要表现为( )。
(A)高杠杆运作放大市场风险
(B)创造信用弱化货币政策效果
(C)期限错配增强流动性风险
(D)关联传统金融增大系统性风险
98.商业银行信用风险存在于( )。
(A)债券投资
(B)贷款承诺
(C)存款
(D)衍生产品交易
99.货币政策的最终目标着眼于解决宏观经济问题。货币政策最终目标之间的矛盾性是指( )。
(A)经济增长与充分就业之间的矛盾
(B)稳定物价与充分就业之间的矛盾
(C)国际收支平衡与稳定物价之间的矛盾
(D)经济增长与稳定物价之间的矛盾
100.根据《商业银行金融创新指引》的规定,我国商业银行开展金融创新活动,应坚持( )的原则。
(A)成本可算
(B)风险可控
(C)损失共担
(D)信息充分披露
英语阅读理解题---为题目类型
You can not go forward by going backward.Take the current debate about trade and globalization,for instance,while the impulse to erect trade barriers is understandable given the pain experienced in recent years,it is not the way to create lasting growth and shared prosperity. Over the past three decades,global flows of trade and investment have accelerated dramatically,creating enormous economic value.However,trade and globalization have also brought wrenching job losses.The financial crisis and weak recovery have made matters worse,intensifying the backlash against trade and globalization. Part of the problem is that the benefits of trade and investment go largely unrecognized,while the job losses are often overstated.Another significant problem is that participation in trade and investment is limited to a relatively small set of firms.In the U.S.,large firms account for three-quarters of total expoas,and the vast majority of small and medium-size businesses do not export.This means firms have a great opportunity to boost growth and productivity through wider participation in trade. That leaves the question of how to help those hurt by trade and globalization.Too often we talk about re-training as a panacea(万能药).And yes,it helps.But it needs to take into account the different requirements of each workforce and needs to be part of a wider set of support for affected workers and communities. Above all,it is important to recognize that our economic transition to a global and digital economy is an irreversible trend.Only by broadening participation in the global economy,rather than by trying to turn back the clock,will we discover answers to today’s most vexing economic problems.
101.What is the MAIN opinion expressed in the opening paragraph?
(A)Trade and globalization are debatable.
(B)Erecting trade barriers can not bring growth and prosperity.
(C)Trade and globalization have caused severe pain in recent years.
(D)Opposing trade and globalization is understandable and reasonable.
102.According to the second paragraph,where does the backlash against globalization mainly stem from?
(A)Blocked flow of trade and investment.
(B)Loss of economic value.
(C)Declining worker mobility.
(D)Distressing job losses.
103.Which of the following is true of the third paragraph?
(A)The participation in the trade globalization is not broad enough.
(B)Job losses are often under-estimated.
(C)Domestic firms are problematic with productivity.
(D)Globalization hinders growth of small and medium-size firms.
104.What does the author think of re-training as a solution?
(A)It is a one-size-fit-all solution.
(B)It is not helpful to those hurt by trade and globalization.
(C)It should meet the different needs of affected workforce.
(D)It should not be talked about so often.
105.What of the following is the best description of the author’s attitude toward trade and globalization?
(A)Critical.
(B)Doubtful.
(C)Indifferent.
(D)Approving.
Some companies are more creative in their use of history than others.HSBC’S History Wall,a striking art installation at the bank’s London headquarters,is made up of 3,743 images drawn from the bank’s archives and arranged in chronological order. Even this is dwarfed by Coca Cola,the American classics.In May,Coca Cola opened a new corporate museum in Atlanta,which is expected to pull in more than 1 million visitors annually,Attractions include the first Coke cans to go into space,a functioning botting line and a tasting lounge. The benefits of knowing your corporate history can be very practical.Companies often use their history as inspiration for new products.Disney constantly mines its archives of old films.Carmakers have overhauled old designs for the modern era:Volkswagen’S New Beetle is an obvious example. But the bigger payoff tends to be less tangible——that of forging stronger bonds with customers and employees.Age can by itself confer a sense of trustworthiness,brewers and banks are fond of flaunting(炫耀)their deep roots.Jim Gilmore,co-author of“Authenticity”,argues that history is also vital in giving companies a genuine sense of personality.Ritz-Carlton’s use of cobalt-blue glasses in its hotel dining rooms can be traced back to Boston in the 1920s,for example,where window glass that had been imported from Europe and turned blue in the New England air was a symbol of wealth.Rather than commissioning dusty biographies to mark anniversaries,Mr.Gilmore believes that firms should search the archives for inspiring stories of this kind. Younger companies can use history,too.Before giving up their old jobs,the founders of Innocent,a British drinks firm formed in 1998.sold an initial batch of smoothies from a market stall in London.They asked customers to put their empty bottles into one of two labeled bins to indicate whether they should focus on their new venture or stick to their day jobs.The rest,as they say,is history.The firm now uses the story to illustrate its folksy image
107.According to the first paragraph,what does the example of HSBC show?
(A)The bank has greater power than other banks.
(B)The bank contributes a lot to the development of London.
(C)The bank uses its history more creatively.
(D)The bank has a different business model than other firms.
108.What does the underlined word“dwarfed”in Paragraph 2 mean?
(A)Less creative by comparison.
(B)Be smaller in size.
(C)Become more majestic.
(D)Nothing different.
109.Which of the following statements is true about Jim Gilmore?
(A)He is the sole author of“Authenticity”.
(B)He encourages firms to look for typical events from archives.
(C)He loves the cobalt-blue glassed of Ritz-Carlton hotel very much.
(D)He also believes that younger firms can use history as well.
110.Which of the following is NOT the benefit of using history creatively?
(A)It strengthens the company’s relations with customers and employees.
(B)For car makers,they can overhaul old designs for the modern era.
(C)It can help companies to become the most profitable in the market.
(D)It can give companies ideas for new products.
111.Which of the following can be inferred from the passage?
(A)Activities did by HSBC are better than those of Coca-cola.
(B)New designs inspired by old products are not good.
(C)Young companies do better than old companies in using history.
(D)Consumers often trust old—aged companies more.
It seems simple enough.Take all the line-forming and paper-filling busy work of the government,and put it all up on the Internet.Now,in order to report a pot-hole,pay your property tax,complain to an official or cast a vote,just log on and hit a few buttons.Goodbye bureaucracy,hello e-cracy? However,the shift to e-government is turning into one giant pain in the neck—technology isn’t the problem,money is.The Gartner Group estimated that project spending for e-government will grow from$6.5 billion in 2010 to more than$16.8 billion by 2025.The cost worldwide over the next 15 years,however,is thought by some to reach or even exceed$600 billion. Citizens are of two minds--they like the convenience and flexibility of e-government,but they have shown no great interest in coughing up extra tax dollars for this purpose.E-government is turning out to be much more expensive than its early champions envisioned.Just because that a state’s department of motor vehicles allows online auto registration doesn’t mean it can shut down its physical stations.The cost of creating and maintaining an Internet presence must be added to the existing cost structure. Why so expensive?It’s cheap enough for a regional forest service to put up a fire alert website.But mounting a comprehensive system of inputs and outputs that mirrors and in some instances supersedes off-line government structures is a mammoth expenditure,conducted with little assurance that emerging technological standards won’t leave your effort in the dust. If this sounds eerily similar to the confidence wall dot-com businesses piled into last year,good for you,because it’s the same wall,the wall of reality,where money is still money,and because a thing is virtual doesn’t mean it’s free.It is a really big problem.We all know it is going to cost a ton of money,but no one knows where to go for the money.
113.What can we know about e-government from the passage?
(A)E-government is on the increase and well-funded.
(B)The investment on e-government is adequate.
(C)Government officials’ interest in e-government is declining.
(D)E-government is convenient and flexible.
114.The underlined phrase“of two minds”in Paragraph 3 best shows that citizens’attitude towards the e-government is____________.
(A)disagreeable
(B)mixed
(C)cautious
(D)negative
115.What’s the author’s purpose of mentioning a state’s department of motor vehicles?
(A)To show that e-government will add new costs.
(B)To show that the e-government is useless in some cases.
(C)To show that physical stations are not functioning well.
(D)To show that the e-government will replace physical stations.
116.The passage indicates that the success of e-government partly depends on____________.
(A)having public confidence
(B)having sufficient investment
(C)lowering government spending
(D)upgrading government technology
117.The author’s major purpose in writing this passage seems to____________.
(A)make suggestions on facing the reality and modifying expectations
(B)advocate that e-government is costlv and useless
(C)explain why e-government is no longer popular
(D)persuade governments to cut the cost
New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves.Chicago,for instance,has consolidated its position as the world’derivatives center,and Houston,the largest city in Texas,is home to Amenca’s biggest energy firms and has spawned an active cluster of energy traders and hedge funds. Europe has also developed a diverse set of financial centers ranging from big cities to island havens such as Jersey and to niche markets such as Luxembourg and Dublin.Edinburg,an established banking center,is now touting itself as a low-cost alternative for financial operations.Among the larger hubs,Frankfurt is an important center for banking and derivatives trading through Eurex,a German—Swiss exchange,with significantly lower costs than London. Switzerland’s twin financial centers,Geneva and Zurich,have done well in their specialists of private banking,wealth management and insurance.The main attractions are low taxes,political stability and a reputation for discretion.Urs Roth from the Swiss Bankers Association says,however,that given its tiny domestic market,Switzerland has had to fight for open markets on an international scale. Paris has long lagged far behind London,dogged by a reputation for excessive regulation and high taxes.The new government is aware that some of France’s best financial brains have crossed the Channel for more lucrative careers in London.Yet Paris has many advantages:a 1arge number of international banks;more international companies than Frankfurt;and easy access to regulators.It has the largest market in Europe for trading in mutual funds.Few would dispute that Paris offers an attractive quality of life and has good transport links.What makes Paris a place to watch just now is the NYSE’s recent merger with Euronext.The combined group will base its international equities business in the French capital.Euronext,which operates exchanges in five European countries,also illustrates the importance of a common language. Financial executives around the world increasingly view Europe as a single market.Soon a new European rule called MiFID(Markets in Financial Instrument Directive)is due to be implemented.It aims to increase competition among and transparency within financial markets.Financiers in other parts of the world are wondering how to achieve a similar degree of cross—border financial integration.
119.According to Paragraph 1,traders mostly trade derivatives in____________.
(A)New York
(B)London
(C)Chicago
(D)Frankfurt
120.All of the following are advantages of Switzerland’s financial centers EXCEPT____________.
(A)low taxation
(B)broad domestic market
(C)fame for discretion
(D)stable political environment
121.Which of the following is NOT true about Paris,according to the passage?
(A)Merger of NYSE with Euronext makes it the biggest financial center in Europe.
(B)The excessive regulation and high taxes have affected its financial development.
(C)Paris has many advantages that may help in its future financial development.
(D)Paris offers good quality of life as well as good transport links.
122.The last paragraph implies that____________.
(A)financiers have long ago viewed the Europe as a single market
(B)Europe has the highest degree of cross-border financial integration
(C)the MiFID will make financial markets around the world more competitive
(D)the MiFID will increase transparency within American financial mark
123.What can be inferred from the passage?
(A)New York is the world’s largest financial hub.
(B)Houston is the world’s biggest center for energy trading and hedge funds.
(C)The Europe has as many financial centers as the United States.
(D)Different financial centers have different specialist features.

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