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2012年广发银行招聘考试笔试试卷完整真题及答案解析B卷.doc
第一部分 性格倾向测试
第二部分 英语能力测试
第三部分 综合能力测试
1. 13，14，16，21，（），76
2. 1，2，6，15，31，（）
3. 19/13 ,1 ,19/13 ,10/22 ,( )
A.7/24 B.7/25 C.5/26 D.7/26
4. 13 ，112 ，121 ，130 ，（ ）
5. 57 22 36 －12 51
6. 1 4 16 57
7. 9，4，3，40，（ ）
8. 1，3，2，4，5，16，( )
A 28 B75 C78 D80
9. 1 , 2 , 1 , 6 , 9 , 10 , ( )
A．13 B．12 C．19 D．17
10. 1/2 ，1/6 ，1/12 ，1/30 ，（ ）
11. 13 , 14 , 16 , 21 ,（ ） , 76
12. 1 , 2 , 2 , 6 , 3 , 15 , 3 , 21 , 4 ,（ ）
13. 3 , 2 , 3 , 7 , 18 , ( )
A．47 B．24 C．36 D．70
14. 4 ，5 ，（ ） ，40 ，104
15. 0 ，12 ，24 ，14 ，120 ，16 ，（ ）
16. 3 , 7 , 16 , 107 ,()
17. 10,9,17,50,( )
A.69 B.110 C.154 D.199
18. 1 , 10 , 38 , 102 ,（ ）
19. 5，4，3，根号7，,A.根号5 B.根号2 C.根号（3+根号7） D.1
20. 0 ,22 ,47 ,120 ,（） ,290
21. 11，30，67，（）
22. 102 ,96 ,108 ,84 ,132 ，（）
23. 5，24，6，20，（），15，10，（）
24. 11，52，313，174，（）
A.5 b.515 c.525 d.545
25. 11，34，75，（），235
A.138 B.139 C.140 D.141
2012 年广发银行招聘考试笔试试卷完整真题及答案解析 B 卷
第一部分 性格倾向测试
略
第二部分 英语能力测试
一、语法选择 25 个
1. If the lessor makes an equity investment equal to 20% of the equipment's original cost, and borrows the remaining
80% from a long-term creditor, and writes a noncancelable lease for the equipment, such lease is called a
___________.
B. leveraged lease
A. operating lease
C. direct-financing lease
2. The interest rate for borrowing funds from inter-bank market is close to, but always slightly ____________ the rate
that is available from the central bank.
B. higher than
D. sales-type lease
A. lower than
C. as high as
D. not as high as
3. ___________ is a financial market in which securities that have been previously issued can be resold.
A. A primary market
C. A issuing market
B. A secondary market
D. The capital market
4. Of the challenging issues in Internet banking, which people care most,
is _________.
A. the provision of a secure platform for banking transactions
B. whether management has the creativity and vision to harness the technology
C. how to deliver high-quality products for the customers' convenience
D. whether management has the ability to satisfy customers' continually changing financial needs
5. From a Chinese Bank's point of view, the currency account which it maintains abroad is known as _______, while a
RMB account operated in China for a foreign bank is termed ________.
A. a vostro account; a nostro account
C. a nostro account; a vostro account
B. a mirror account; a nostro account
D. a vostro account; a mirror account
6. If __________, such a situation is called break-even.
A. contribution margin= fixed costs
C. profit=expense
B. contribution margin=total costs
D. sales revenue=variable cost
7. Foreign-funded enterprises may retain their export earnings if those earnings _______.
A. get after SAFE approves
C. will be invested in local area
B. will be remitted abroad
D. do not exceed the limit set by the SAFE
8. BOT is an abbreviated form of _________.
A. build-or-technology
C. build-operate-technology
B. build-operate-transfer
D. benefit-operate-transfer
9. _________ is the foundation of private accounting, which analyzes a business's costs to help managers control
expenses.
A. Budgeting
C. Internet auditing
B. Management information system
D. Cost accounting
10. Underwriting simply means that the investment banker promises to ________ the securities.
A. buyB. sellC. designD. Issue
11.
of countries belonging to GATT approved the agreement yesterday in Geneva.
D) Representing
A) Represents
C) Representatives
12. Officials of the Sydney head of office will hold a conference to talk about
B) Representations
goals for the next ten years.
A) them
B) their
C) theirs
D) they
13. As a customer service representative, Mrs. Lee tried to solve complaints from customers
before asking for ______ supervisor's advice.
(A) she
C) hers
(C) our
D) herself
(B) postpone
(D) ourselves
thanks to those that have helped this project in the past.
(D) postponement
revenue from magazine and event promotions designed to help
B) her
14 Mr. Alfred and I extend
(A) us
(B) ours
15. Pioneer Corp. is considering--------- the release of the new equipment scheduled for later this month.
(A)postponing
(C) to postpone
16. The company's business plan includes ----------
recruiters find qualified applicants.
(A) draw
17. This guideline is intended to --------
these database get updated and who has responsibilities
(A) clarification
18. As of July 7, basic monthly telephone service will increase by ＄1.50 due to the new federal telecommunication
tax, -------- state-to-state long-distance rates will decrease an average of 10 percent.
(A) otherwise
19. He makes ＄20 an hour,
information about our databases and to provide a clear definition of how
has more work than he can handle.
(C) to draw (D) drawer
(D) in addition to
(B) therefore
(B) classified
(C) however
(B) drawing
(C) cleared
(D) clarify
(A) and
(B) than (C)
so
(D) but
20. Their products are known not only for their low price, __________ for their high quality.
(A) but
21. Our order of high-speed computers is scheduled to arrive __________ today or tomorrow.
(D) as well as
(C) and also
(B) but also
(A) or
(B) on
(C) both
(D) either
22. _________ Jane and Mary like different things, they are great friends.
(A) Since
23. This rural town has __________ small population that the mail carrier knows where everyone lives.
(D) Although
(B) Despite
(C) For
(A) too
(B) a so
(C) very
(D) such a
24.
_______ the president is going to say in his speech tonight will affect all of us.
(A) What
(B) That
(C) So
(D) While
25. It matters little who finds the truth ------ the truth is found.
(A) because
(C) so long as
(B) so that
(D) as
答案：B B BA C A D B C A ,CBBCA BDCAB DDDAA
二、完形填空 10 个
Passage One
Another way of distinguishing markets is on the basis of the _____1_______of the securities in each market.
The __2______ is a financial market in which only short-term debt instruments are traded. The ___3_____ is the
market in which longer-term debt and equity instruments are traded. The securities in the former are usually
more widely traded than those in the latter and so tend to be ____4______. In addition, short-term securities
have _____5______fluctuations in prices than long-term securities, making them safer investments.
1 A. volume
2. A. money market
3. A. money market
4.A. more solvent
5 A. volatile
Passage Two
B. capital market
B. more risk
B. violent
B. maturity
B. capital market
C. more liquid
C. wider
D. secondary market
D. secondary market
C. issuing procedure
C. primary market
C. primary market
D. kind
D. safer
D. smaller
In documentary credit operations, all parties concerned deal in ___6____ and not in ____7____. The banks
check exclusively on the basis of documents ___8____to them to see whether the terms of the credit have been
fulfilled. They are ____9_____to verify whether the goods supplied actually agree with those specified in the
credit, ____10____differences, say, between the goods invoiced and those actually delivered, nor answerable to
the buyers' complaints about these differences. It is up to the buyers and sellers to settle questionables of this
nature between themselves.
6. A. goods
7. A. goods
8. A. delivered
9. A. responsible B. not responsible C. bound
10. A. nor liable for
C. documents
C. documents
C. deliver
B. credits
B. credits
B. presented
D. contracts
D. contracts
D. release
C. nor liable to
B. or liable for
D. or liable to
D. willing
答案：B , A , B , C , D , C , A , B , B , A ,
三、阅读理解 5 个
Questions 1 to 5 are based on the following passage:
Material culture refers to the touchable, material “things”—physical objects that can be seen, held, felt, used
—that a culture produces. Examining a culture’s tools and technology can tell us about the group’s history and way
of life. Similarly, research into the material culture of music can help us to understand the music-culture. The most
vivid body of “things” in it, of course, are musical instruments. We cannot hear for ourselves the actual sound of any
musical performance before the 1870s when the phonograph was invented, so we rely on instruments for important
information about music-cultures it the remote past and their development. Here we have two kinds of evidence:
instruments well preserved and instruments pictures in art. Through the study of instruments, as well preserved
Paintings, written documents, and so on, we can explore the movement of music from the Neat East to China over a
thousand years ago, or we can outline the spread of Near eastern influence to Europe that results in the development
of most of the instruments on the symphony orchestra.
Sheet music or printed music, too is material culture. Scholars once defined folk music-cultures as those in with
people learn and sing music by ear rather than from print, but research show mutual influence among oral and
written sources during the past few centuries in Europe, Britain, and America, printed versions limit variety because
they tend to standardize any song, yet they stimulate people to create new and different songs. Besides, the ability to
read music notation has a far-reaching effect on musicians and, when it becomes widespread, on the music-culture as
a whole.
One more important part of music ’s material culture should be singled out the influence of the electronic
media-radio, record player, tape recorder, television, and videocassette, with the future promising talking and singing
computers and other developments. This all part of the “information revolution,” a twentieth century phenomenon as
important as the industrial revolution was in the nineteenth. These electronic media are not just limited to modem
nations; they have affected music-cultures all over the globe.
1. Research into the material culture of a nation’s of great importance ________.
A) it helps produce new cultural tools and technology
B) it can reflect the development of the nation
C) it helps understand the nation’s Fast and present
D) it can demonstrate the nation’s civilization
2. It can be learned from this passage that ________.
A) the existence of the symphony was attributed to the spread of Near Eastern and Chinese music
B) Near Eastern music had influence on the of the instruments in the symphony orchestra
C) the development of the symphony shows the mutual influence of Eastern and Western music
D) the musical instruments in the symphony basis of Near Eastern music
3. According to the author, music notation is important because ________.
A) it has a great effect on the music-culture as more and more people are able to read it
B) it tends to standard folk sings when it is used by folk musicians
C) it is the printed version of standardized folk music
D) it encourages people to popularize printed versions of songs
4. It can be concluded from the passage that the introduction of electronic media into the world of music
________.
A) has brought about an information revolution
B) has speeded up the arrival of a new generation of computers
C) has given rise to new forms of music culture
D) has given to the transformation of traditional musical instruments
5. Which of the following best summarized the main idea of the passage?
A) Musical instruments developed through the years will sooner later be replaced by computers.
B) Music cannot be passed on to future generation unless it is recorded.
C) Folk songs cannot spread far unless they are printed on music sheets.
D) The development of music culture is highly dependent or its material aspect.
答案：1. C
2. B 3. A 4. C 5. D
第三部分 综合能力测试
一、言语理解 25 个
1.过度自信、不切实际、服务政治……这些针对经济学家的批评或许只是稍微夸大了一些。他们
奉行一种无论是原始数据还是自身技能都无法达到的准确。纳西姆?尼古拉斯?塔利布说:“我们必
须避免让社会建立在愚蠢经济学家的预测上。”定量金融学专家保罗?威莫特的说法是:“经济学家
们的模式糟透了。他们完全忽视了人为因素有多么重要。”面对潮水般的批评声音，人们似乎应
该忽视整个学术界。但这并不可能。原因之一是，如何走出危机和避免重蹈覆辙都需要一代人贡
献他们的最大智慧。
本段文字主要表达的观点是(
)。
A.要宽容理性地对待经济学家
B.经济学者们要知耻而后勇，为经济振兴贡献智慧
C.学术界需齐心协力，恢复经济
D.经济学家的价值不容忽视
2.社区商业是城市商业的基础，是满足居民综合消费的重要载体。加快发展社区商业，是提升城
市商业现代化和综合竞争力的迫切要求。因此，发展和完善社区商业，对现有社区商业网点进行
系统性、科学性和高效性的整合，构建我国现代社区商业网络，是满足社区居民日常生活需求，
)。
提高居民生活质量的重要举措。
这段话的主旨是(
A.构建我国现代社区商业网络，是满足社区居民日常生活需求的需要
B.加快发展我国社区商业，是提升城市商业现代化和综合竞争力的迫切要求
C.社区商业是满足居民综合消费的重要载体
D.社区商业是城市商业的基础
3.在女性高管为何屈指可数这一问题上，《华尔街日报》的卡罗尔?希莫威茨和蒂莫西?舍尔哈德特
用了“玻璃天花板”这个比喻，来描述女性在晋升到一定职位高度时必然会遭遇的一道障碍。如
今，这个比喻已经不合时宜了。一方面，女性出任首席高管、大学校长、州长甚至国家总统早已
有了先例，另一方面，女性在职业发展道路上遭遇到的不仅仅只有最后那道障碍。如今有了一个
)。
更为恰当的比喻来形容女性在职业发展上所遇到的种种阻碍，那就是“迷宫”。
“迷宫”这个比喻意在表明(
A.女性在职业发展中会遇到各种阻碍
B.“玻璃天花板”的比喻已经不合时宜
C.女性晋升到一定职位高度时必然遭遇障碍
D.女性职业发展中阻碍重重，但仍有可能晋升高管
4.一些人有这样一种思想误区，即只讲“实现自身价值”，不讲“提高自身价值”。人当然天生就
有价值，这价值应当重视，但还有待提高。提高不能靠包装与炒作，必须要真正提高质量，具体
表现无非就是德与才。这两方面的提高，只有通过克己修身。“玉不琢，不成器”，人不克己修身，
如何能成“大器”?所以孟子说:“天将降大任于斯人也，必先苦其心志，劳其筋骨，饿其体肤，
空乏其身，行拂乱其所为，所以动心忍性，曾益其所不能。”不经艰苦磨炼，如何能“曾益其所
不能”?
这段文字意在(
A.澄清对待自身价值的思想误区
B.强调德才兼备是人才质量的核心
C.批评某些人一味自我包装炒作的行为
D.阐明克己修身对提高自身价值的重要意义
)。
5.根据中国政府的“十一五”规划，到 2010 年，信息产业总收入将从 2005 年的人民币 4.4 万亿
元提高到 10 万亿元，其工业增加值占国内生产总值比重将由 7.2%提高到 10%以上。从网络普及
率看，尽管中国网民数量已超越美国，但互联网普及率仅为 25.5%，大大低于美国的 70%。中国
若追平 70%的互联网普及率，则还将增加 3 亿至 4 亿的互联网用户。
本段文字主要表明(
A.互联网企业已成为中国高科技产业的重要支柱
B.中国互联网的普及率有待提高
C.中国信息产业增长空间巨大
D.中国信息产业竞争优势明显
)。
6.好的藏品首先得有个性，没有个性的藏品就算不是赝品，起码也是庸品。青春期的孩子，几乎
没有一个认为自己是庸品的，可家长们很多时候却对自家的“藏品”缺乏信心。其实藏品的价值
并不取决于你看得顺眼不顺眼，而在于它自身的存世量与工艺特质。要想让你家的“藏品”日后
)。
升值，就得发掘出他自身的特点与风格。
以上文字想表达的观点是(
A.藏品的价值在于它自身的存世量与工艺特质
B.家长应该按照孩子自身的特点去培养孩子
C.家长应该对自己的孩子充满信心
D.每种事物都有其自身的特点，孩子也一样
7.健康与安全理事会所收集到的数字似乎支持这样一个非常流行的观点，即:我们已受到压力流行
病的袭击。1990 年的劳动力调查显示，有 182700 人——占整个劳动力人口的 1%——相信，他们
正患有与工作有关的紧张、焦虑或抑郁。5 年后同样的调查显示，这一数字已上升至 28 万，增长
了 30%，另外还有 25 万人自诉患有与压力有关的身体疾病。给这段文字加入一个最恰当的标题
(
A.压力:现代流行病
C.警惕压力
8.由于华尔街的声望和各类金融产品的资信大跌，“两房”等金融机构所发行的债券变得无人问津，
上周房利美债券收益率比同期国债高出 1.8%(9 月份仅高出 O.7%)，投资者仍敬而远之。这种状况
所造成的结果，便是证券市场资金流的呆滞，由此产生了一系列严重后果:成千上万的美国人突然
发现，自己没办法搞到贷款了，不论买房、购车还是上学都变得困难重重，因为那些原本提供相
B.压力:健康的杀手
D.压力与疾病
)。
关金融服务的机构，如今因债券滞销，变得囊空如洗。
对本段文字主旨概括最准确的一项是(
A.金融危机给美国的金融市场带来重创
B.美国债券滞销且后果严重
)。
C.华尔街声望以及金融产品资信下跌吓跑投资者
D.证券市场资金呆滞，投资者敬而远之
9.多少年来，我们这个社会在法律意识不断增强的同时，人们的正义感和同情心却渐渐被冷冰冰
的责任防范意识所淹没，法治的真实含义渐渐被扭曲。“法律是无情的”这句在所有诉诸法庭的
案件中被最为广泛地引用的“经典”语句让人们将“法”和“情”决然地分开了，让人们觉得“义
愤”、“感动”、“同情”这样一些情感是不应该出现在涉法行为中的，尤其不该出现在司法、执法
)。
人员身上。
通过这段文字作者最想表达的观点是(
A.对法的认识要回归本质
B.司法、执法人员判断案情不能对受害、痛苦等现象无动于衷
C.法律判决需要注人人性关怀
D.法与情相辅相成，不可分割
10.信息科学、生命科学、物质科学等的飞速发展为人类开拓了极其光明的前景。新能源和新材料
近年来层出不穷。纳米材料、转基因作物和智能机器人的普遍使用推动了新的产业革命。10 年来
的经济繁荣即是最有说服力的例证。如今癌症和艾滋病已得到有效控制，载人火箭已在火星登陆，
飞行汽车已经投人生产，太空旅游也成为一项产业。自由经济不但释放了人类巨大的积极性和创
)。
造性，而且通过它自身的内在力量调节了全球的供求关系和贫富关系。
这段文字意在强调(
A.近年来人类在各个方面取得了重大的成就
B.科学技术对推动人类社会进步的重大作用
C.科学万能论
D.自由经济对人类的巨大贡献
11.只需轻点鼠标，我们就可把莎士比亚所有作品免费下载到电脑里，但有耐心在屏幕前把它仔细
读完的人，100 个人里恐怕都挑不出一个。研究表明，显示屏与纸张在物理性质上的不同，直接
决定了人们无法从电脑上获得传统的阅读乐趣。在阅读纸质图书时，文字不会移动，可以让人平
心静气，但在电脑前，鼠标点击和滚屏不可避免地会打断人的注意力，令人失去耐心，和对文字
全面的把握。此外，手指在触摸纸张和显示屏时对大脑感知区域的刺激也完全不同，前者更有助
于激发人的潜意识，帮助理解文字之美，而不仅止步于获得信息。
这段文字旨在表达的是：
A.电子书与传统阅读效果的区别
B.电子阅读有别传统阅读方式的特点
C.电子阅读不如传统阅读方式有趣
D.传统阅读具有电子阅读无法比拟的优势
12.当年韩愈被贬到潮州做刺史，虽然只有 8 个月的时间，却不怕费力，大力兴办州学，捐出所有
的俸银，用作办学费用，并积极推广唐朝的普通话，“以正音为潮人诲”。8 个月后，韩愈就调离
了潮州，几乎没有什么“政绩”可言，然而他给潮州留下了巨大的精神财富。到南宋时，潮州已
是文化名城，有了“海滨邹鲁”的美誉。
这段文字意在说明：
A.语言规范化是一项长期的工作
C.文化建设对城市有深刻的影响
13.古希腊和古代中国相似的经验知识曾产生了相似的理论洞察力，比如亚里士多德和《墨经》对
杠杆原理的认识。但是，古希腊的初始力学理论很快发展成理论知识的综合体，而中国墨家的力
B.潮州成为历史文化名城的原因
D.评价官员不应只看短期的政绩
学传统在战国之后就中断了。不擅长观察、认识物体运动并形成系统的理论，这是中国古代科学
传统中一个明显的“软肋”。相比之下，中国人在解决实际问题方面的建树更加突出。
这段文字意在说明：
A.中国古代科学发展的特点
B.中国古代科学传统中断的原因
C.古代中国对于力学最初的研究不逊于古希腊
D.力学理论的不完备是中国古代科学研究的弱点
14.基因疗法是一种全新的治疗方式。科学家发现，遗传密码对一切生物都是通用的，他们想到利
用对人体无害的逆转录病毒充当载体，把正常基因输送到人体内。这个过程是先从患者身上取下
一些细胞，然后把正常基因嫁接到病毒上，再让这些病毒去感染取出的人体细胞，让它们把正常
基因插入细胞的染色体中，这样人体细胞就能够获得正常的基因，来取代原有的异常基因。把这
些修复好的细胞培养、繁殖到一定数量后送回患者体内，这些细胞就会发挥“医生”的功能治好
疾病。
对“基因疗法”理解正确的是：
A.基因疗法无需服用药物，安全性高，副作用小
B.基因疗法需要把正常基因嫁接到待修复细胞中的病毒上
C.基因疗法需要以病毒为载体，这种病毒对人体无害
D.基因疗法将在医学领域获得大规模的应用
15.信用报告是对每个人以往的信用记录汇总，是商业银行等机构记录个人信用信息在央行征信系
统的反映。信用报告增容不能在个人完全不知情的情况下，由商业银行等机构与央行征信中心“秘
密交易”、暗箱操作，正确的做法应该是，央行征信中心对个人和企业组织信用报告内容的任何
增加，都应当提前向社会各界进行正式公告，明确告知信用主体哪些信用内容即将正式纳入征信
系统成为信用报告内容，从何时正式开始，相关不良信用将产生哪些不良后果，如何及时查询了
解自己的信用状况以及如何提出异议寻求救济等等事项。
这段文字意在说明：
A.央行征信系统的运作应进一步规范、透明
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