第一部分：英语能力测试
一、单项选择
1. ___________! There’s a train coming.
A. Look out B. Look around C. Look forward D. Look on
答案：A
2. The murderer was brought in, with his hands _________ behind his back.
A. being tied B. having tied C.
D. tied
答案：D
3. She heard a terrible noise, ___________ brought her heart into her mouth.
A. it B. which C. this D. that 答案：B
4. Some children usually behave in their own way _____ they do not get along well with their
classmates and there are often disagreements between them.
A. even though B. on condition that C. so that D. unless
答案：C to be tied
5. Secondary and higher education _____ available to all high school graduates in this
country so far.
A. have made B. were made themselves C. have been made D. were made it
答案：C
6. The mother believes that John’s stupid, but it’s different _____ of Mary; she’s just lazy.
A. in spite B. in the case C. in the course D. case
答案：B
7. I learned to __________ a bicycle as a small boy.
A. drive B. ride C. operate D. run
答案：B
8. _________, I went to the railway station to see my friend off.
A. After eating quickly my dinner B. After my quickly eating dinner
C. After eating my dinner quickly D. eating my quickly dinner
答案：C After in
9. Whoever does wrong to his country or to the people deserves _____.
A. to punish B. to be punished
C. to punishment D. of being punished
答案：B
10. After Christmas, _____ clothes on sale in that shop attracted quite a few housewives.
A. a variety of B. a number of C. the number of
D. the great deal of
答案：A
11. About how many elements _____ make up most of the substances we meet in everyday
life? A. it is which B. what it is C. is it that D. it is that
答案：C
12. The government was believed to be considering _____ a law
_____ it a crime to import any kind of weapon.
A. to pass „. to making B.
passing „. to make
C. passing „ made D.
making.
答案：D passing „. to be
13. Dewitt Wallance founded the Reader’s Digest as a pocket-sized, non-fiction magazine
_____ to inform and entertain.
A. was intended B. intending C. to intend D. intended
答案：D
14. We __________ each other the best of luck in the examination.
A. hoped B. wanted C. expected D. wished
答案：D
15. Will you ________ me a favor, please?
A. give B. make C. do D. doing 答案：C
16. The image of a devoted and noble angel in white _____ heals the wounded and rescues
the dying is making a comeback _____ the nation faces a crisis.
A. that„because B. who„when C. which„that D. what„as
答案：B
17. The mayor has promised the city government _____ the
building of new roads with the
taxes it collects.
A. shall finance B. may support C. can help D. should provide
答案：A
18. A computer __________ think for itself; it must be told what to do.
A. can’t B. couldn’t C. may not D. might not
答案：A
19. Does ____________ matter if he can’t finish the job on time?
A. this B. that C. he D. it 答案：D
20. Don’t smoke in the meeting room, __________?
A. do you B. will you C. can you D. could you
答案：B
二、完型填空
Directions:
For each blank in the following passage, there are four
choices given below and marked A, B, C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.
When Pat Jones finished college, she decided she wanted to travel around the world and see as many foreign places as she could _1_ she was young. Pat wanted to visit Latin America first, so she got a job _2_ an English teacher in a school in Bolivia. Pat spoke a little Spanish, _3_ she was able to communicate with her students even when they didn’t know much English.
A sentence she had read somewhere stuck in her mind: if you dream _4_ a foreign language, you have really mastered it. Pat repeated this sentence to her students and hoped that someday she would dream in Spanish and they would dream in English.
One day, one of her worst students came up and explained in Spanish that he had not done his homework. He had _5_ early, and had slept badly.
“What does this have to do with _6_?” Pat demanded. “I dreamed all night, Miss, Jones, and my dream was in English!”
“In English” Pat was very surprised, since he was such
a bad students. She was _7_ secretly jealous. Her dreams were still not in Spanish. But she encouraged her young student, “Well, tell me about your dream.”
“All the people in my dream _8_ English,” the student said, “And all the signs were in English. All the newspapers and magazines and all the TV programs were in English.” “But that’s wonderful,” said Pat, “What did all the people say to you?”
“I’m _9_, Miss Jones. that’s _10_ I slept so badly. I didn’t understand a word they said. It was a nightmare!”
1.A. as B. while C. if D. since
2.A. for B. of C. as D. like
3.A. and B. but C. so D. yet
4.A. in B. about C. of D. for
5.A. got up B. gone to bed C. fallen asleep D. woken up
6.A. you B. me C. your dream D. your homework
7.A. usually B. seldom C. also D. still
8.A. read B. liked C. spoke D. learned
9.A. shy B. silly C. sorry D. sad
10.A. how B. why C. when D. where
参考答案： B C C A B D C CC B
三、阅读理解
Passage 1
One of the odd things about some business organizations is that they spend so much money to lure( 吸引) new customers and spend so little to keep them after they've been landed. It just doesn't make sense. Taking customers for granted is routine in some larger organizations, where mere bigness generates an attitude of indifference.
Loyal customers are an organization's only protection against bankruptcy, and losing them because of neglect or indifference is downright sinful (可耻的). Not only do satisfied customers continue to fatten the till (钱袋); they often encourage others to buy. This is advertising that doesn't cost a penny. And although there are always problems in giving good service to customers, maintaining their patronage(光顾) isn't all that difficult. It's a matter of attitude, of believing that everyone who buys from you is entitled to the best treatment you can deliver. Plus giving just a little more than you have to.
We said there are always problems in giving good service to customers. The reason, of course, is that no organization is
perfect, and there's many a slip: unreasonable delays in filling orders, shipping the wrong merchandise, failing to answer letters promptly, and so on.
Sometimes these errors or failures can't be helped. For example, if you can't get parts because of material shortages or a transportation strike, customers may be denied the goods they've ordered. And not infrequently the customer is to blame -- for example, failing to clearly identify the article or service required
Yet no matter who is at fault, customers whom you value highly should generally be given the benefit of any doubt. Note that we said "customers whom you value highly." The old saw (格言) that all customers should be treated alike is a myth. Customers who repeatedly place large orders and pay for them will naturally get more attention than those who buy infrequently and have to be badgered (纠缠) to pay what they owe. However, you have to make the assumption that all customers are good unless proved otherwise. ( 355 words )
1. Which of the following can best express the main idea of the passage ?
A. Business organizations should not spend so much money to attract new customers.
B. Maintaining customers' patronage is most important to business organizations.
C. Customers are kings.
D. Organizations should pay more attention to the benefit of their customers.
2. Which of the following conclusions can be drawn from the second paragraph?
A. Customers should always be well serviced.
B. Without loyal customers an organization might go bankrupt.
C. Companies can employ customers to advertise their products.
D. It is difficult for large organizations to provide their customers with good service.
3. The author might probably disagree with which of the following statements?
A. Some errors and failures are unavoidable.
B. Both an organization and their customer are responsible for certain error.
C. An attitude of indifference towards their customers might result in a heavy loss of profit.
D. Only regular customers deserve good treatment
4. What does the author imply in the sentence "The old saw that customers should be treated alike is a myth"?
A. It's not real that customers should be treated equal
B. It's not true that all customers are treated equal
C. Customers received equal treatment in the past
D. It's an old story that customers were treated equal
5. The word "identify" in the fourth paragraph is the same as ________
A. notice B. distinguish C. describe D. recognize
参考答案： BBDBD
Passage 2
Our losses change us and change the course of our lives. It is not that one can never again be happy following an experience of loss. The reality is simply that one can never again be the same.
Sudden, unexpected change can create the greatest of all challenges to our peace and serenity. With no advance preparation, we have to adjust to what may be drastically different circumstances than what we’re used to. We may come home from a normal day at work to find our house has burned to the ground. We may rejoice in a pregnancy and then have it suddenly end in miscarriage or stillbirth. We may lose a loved one through death or divorce. We may lose our property, beliefs,
future plans, feelings of safety, or even our sense of identity. The truth is, almost everything in our lives can be lost. Most of the time we protect ourselves from this reality. We just don't think about the fact that we could lose something dear to us in an instant. To dwell on this thought would make it impossible to get on with our lives in a positive way. We don't need to fear loss or begin grieving before anything has happened. But we can accept the reality that it could happen, and that will eventually come out of the experience all right if rational acceptance of reality changes our lives. It comes along unexpectedly, and it did. This kind of rational acceptance without irrational fear can help prepare us for an unexpected loss.
Two kinds of changes take place within us when we experience a sudden loss. First, we become conscious of our vulnerability. We can no longer achieve that denial which kept us oblivious to all the things that could happen. We know that all kinds of losses can happen to us, not just to other people. We may never feel quite as safe again. The other effect of sudden loss is that eventually we adjust to it. It may take a long time, but we gradually incorporate the loss into our lives and go on.
These two changes can be very positive and healing. We needn't view acceptance of our vulnerability or of our specific loss as resignation to life's terrible aspects. Instead, we can think of this growth experience as a stepping-stone on our path toward true inner peace and rational acceptance of reality.
6. According to Paragraph 1, our losses can _________. I. change the course of our lives
II. change our experience of loss
III. change the character and personality of ours
[A] I only [B] I and II
[C] I and III [D] I, II and III
7. Examples of the following belong to sudden changes or losses except __________.
[A] one may return home from work to see one’s home destroyed totally by a fire
[B] one may be desperate to find one’s best friend or lover betray himself/herself
[C] one may find what he believes as utmost truth in life turns out a white lie
[D] one may find that there can never be the so-called feelings of safety or real beliefs
8. “This thought” in the sentence “To dwell on this thought
would make it impossible „” in paragraph 3 may refer to _______.
[A] most of the time we protect ourselves from this reality
[B] we could lose something dear to us in an instant
[C] we just don’t think of something that we could lose in an instant
[D] almost everything in our lives can be lost in an instant
9. The author advocates the attitude towards loss or sudden loss in life can be summarized as _____.
[A] being ready for unexpected loss and experience two kinds of change
[B] eventually coming out of the loss experience
[C] ready for unexpected loss reasonably and calmly
[D] being prepared for unexpected losses though fearfully sometimes
10. The best title of this passage can be:_____________.
[A] Sudden Loss and Change in Our Life
[B] Unexpected Loss on Our Way to Success
[C] Loss and Misfortune in the World
[D] Sudden Loss and Feeling of Safety
参考答案： C D B C A
Passage 3
The British are known as people who love to stand in line, but a new research shows that the British are only about average (平均数) at waiting politely in a queue. The French are the best. It's the Germans who don't have a good habit of standing in line. They can't stand to wait for anything. They begin to shout loudly and noisily if the line doesn't seem to be moving fast enough. Sadly it never moves fast enough for them. The experts studied 940 people across Europe. They watched secretly as they waited in line-to get tickets, to order fast food and to wait for the bus. They found people who are good at forming (排成) queues feel that they move along faster. For example, in Britain, the average waiting at a queue needs about three and a half minutes. In Germany or Sweden people hate waiting in line. In fact, people spend double the time as the British in queues. They get to the front of the queue without thinking about others, so they waste others' time.
The expert who did the research had asked a person to break into a queue to see what people would do. In Britain, people shouted loudly at him, but when he said," I' m terribly sorry. I didn't realize there was a queue. Do go before me. "People
smiled and said. "Oh, that's all right, one more won't matter much. "It was also found in France, where 80％ of the people didn't mind standing in line. only if they were treated politely. While in Germany everyone was angry and wore an unhappy face. The expert said, "If only they could learn from the British and the French to think of queuing as an exercise in making the best of an unhappy thing, they might find that the queue then moves faster."
11. The research shows that the people in _______ are the most polite in standing in line.
A. Sweden B. Britain C. France D. Germany
12. The Germans spend more time than the British in queues because they _______.
A. always talk a lot with others B. like waiting in line
C. don't follow the rule of queuing D. don't know the rule of queuing
13. According to the research, which of the following is TRUE?
A. The British didn't care about the queue jumper.
B. The Germans were angry with the queue jumper.
C. The French treated the queue jumper badly.
D. The Swedish enjoyed themselves while queuing.
14. From the last sentence we know the expert wished the Germans could_______.
A. have a good habit of standing in line B. save others' time while queuing
C. move quickly when queuing D. take exercise in queues
15. The result of the research shows that_______.
A. people in Europe hate waiting in line
B. standing in line is a kind of exercise
C. there are always queue jumpers all over the world
D. people good at standing in line think they move along faster
参考答案：C C B A D
Passage 4
"High tech" and "state of the art" are two expressions that describe the modern technology. High tech is just a shorter way of saying high technology. And high technology describes any invention, system of device that uses the newest ideas or discoveries of science and engineering. What is high tech? A computer is high tech. So is a communications satellite. A
modern manufacturing system is surely high tech. High tech became a popular expression in the United States during the early 1980' s. Because of improvements in technology, people could buy many new kinds of products in American stores, such as home computers, microwave ovens, etc.
" State of the art" is something that is as modern as possible. It is a product that is based on the very latest methods and technology. Something that is "state of the art" is the newest possible design or product of a business or industry. A state of the art television set, for example, uses the modernest electronic design and parts. It is the best that one can buy. "State of the art" is not a new expression. Engineers have used it for years, to describe the best and most modern way of doing something. Millions of Americans began to use the expression in the late 1970's. The reason was the computer revolution. Every computer company claimed that its computers were " state of the art".
Computer technology changed so fast that a state of the art computer today might be old tomorrow. The expression " state of the art " became as common and popular as computers themselves. Now all kinds of products are said to be "state of the art".
16. What is the purpose of the passage
A. To tell how "high tech" and "state of the art" have developed.
B. To give examples of "high tech".
C. To tell what "high tech" and "state of the art " are.
D. To describe very modern technology.
17. What can we infer from the passage?
A. American stores could provide new kinds of products to people.
B. High tech describes a technology that is not traditional.
C. "State of the art" is not as popular as "high tech".
D. A modern plough pulled by oxen is "state of the art".
18. All the following examples are high tech except ______.
A. a microwave oven
B. a home computer
C. a hand pump
D. a satellite
19. Which of the fbl1owing statements is not true?
A. Since the computer revolution, the expression “ state of art" has become popular.
B. “ State of the art" means something that is the best one can buy.
C. With the rapid development of computer," state of the art" computer may easily become out of date.
D. All kinds of products are "state of the art" nowadays.
20. The best title for the passage is__________.
A. Computer Technology
B. High Tech and State of the Art
C. Most Advanced Technology
D. Two New Expressions
参考答案:C A C D B
第二部分：专业能力测试
一、单项选择题
1、若一笔按10％利率为期三年的投资，在三年内分别支付本金和利息，其中第一年1 000元，第二年2 000元，第三年3 000元，则该笔投资的期值为( D )。
A、1 210元
B、2 200元
C、3 000元
D、6 410元
2、下列属于我国商业银行资本金来源的是(C )。
A、企业存款
B、储蓄存款
C、未分配盈余
D、同业拆借
3经理国库是中央银行作为（ D ）职责的具体表现
A银行的银行
B发行的银行
C管理的银行
D政府的银行
4、企业和个人通过银行用本币买入外汇是（ B ）。
A结汇 B售汇 C付汇 D换汇
5、债券的市场价格与市场利率（ B ）
A、成正比
B、成反比
C、相关
D、无关
6、( A )反应了风险资产组合和无风险资产的收益与风险关系。 A资本市场线
B收益曲线
C证券市场线
D有效市场线
7、商业银行负债业务经营的核心是( B )。
A、资本金
B、存款
C、同业拆借
D、向中央银行借款
8、银行风险中的国家风险实际上是一种(D )。
A、市场风险
B、操作风险
C，法律风险
D、信用风险
9、1997年9月，巴塞尔委员会公布了(D )，以期成为世界各国共同遵守的银行监管的谨慎法规。
A、巴塞尔协议
B、巴塞尔报告
C、巴塞尔建议
D、核心原则
10弗里德曼认为，货币需求是稳定并可预测的，因而货币政策应当是（ D ）
A相机行事
B适度从紧
C适度扩张
D单一规则
11、根据2005年中国银行业监督管理委员会发布的《商业银行风险
监督核心指标》，核心负债比率不得低于（C）。
A、40% B、50%
C、60% D、80%
12、实证研究表明，金融深化与人均国民收入的水平有着密切的(A)关系。
A、正相关
B、负相关
C、非线性
D、不稳定
13、监管当局对单个银行在并表的基础上收集资料、分析银行机构经营稳健性和安全性的监管方法是（C）。
A、现场检查 B、并表监管 C、非现场监测 D、实证监管
14、治理通货膨胀首先要（B）。
A、刺激需求
B、控制需求
C、增加供给
D、减少供给
15、动用财政历年节余弥补财政赤字时，如果中央银行无法压缩其他资产规模，将会引起货币供应量( A )。
A、扩张
B、收缩
C、不变
D、扩张或收缩
16、政府行为的( D )是促进金融深化和创新的重要举措。
A、公开化
B、法制化
C、规范化
D、市场化
17、商业银行账户的货币是( B )。
A、基础货币
B、普通货币
C、高能货币
D、强力货币
18、交易双方依据预先约定的规则，在未来的一定时期内，彼此对调一系列现金流量（本金、利、价差等）的交易行为，称之为（ D ）
A、金融期货
B、金融期权
C、远期合约
D、互换
19、商业银行资产经营的核心内容是（ D ）
A、资本金
B、存款
C、同业拆借
D、贷款
20、如果存款总额为100万元，存款乘数为4，则原始存款为( C )万元。
A、15
B、20
C、25
D、35
21、派生存款的产生只能在( C )形成。
A、金融市场体系内部
B、金融市场体系外部
C、商业银行体系内部
D、商业银行体系外部
22、监管被看成是政府用来改善资源配置和收入分配手段的管制理论是（B）。
A、特殊利益论 B、公共利益论 C、社会选择论 D、经济监管论
23、解决交易成本问题的办法是靠( A )。
A、规模经济
B、加强管理
C、控制支出
D、降低交易额
24、一个国家货币与另一个国家货币的折算比率是(A )。
B、国际结算
C、国际收支
D、外汇买卖
25、 企业集团财务公司注册资本最低限额为（ A ）亿元。
A、3 B、4 C、5 D、2
26、商业银行的两种不同性质的工作内容可以概括为( C )。
A、存款与贷款
B、信贷与投资
C、经营与管理
D、表内与表外
27、商业银行财务管理的核心内容是( A )。
A、成本管理
B、风险管理
C、费用管理
D、利润管理
28、总需求的实现手段和载体是(A)。
A、货币
B、信用
C、金融工具
D、投资和消费
29、国际上银行承兑票据经（C）保证支付后，在二级市场可以转让。
B、付款人
C、承兑行
D、保兑行
30、若法定存款准备金率为10％，提现率为10％，超额准备金率为5％，定期存款法定准备金率为5％，活期存款转化为定期存款的比例为2％，则存款乘数K为( C )。
A、4
B、5
C、3、98
D、3、75
解析：1÷（10％＋10％＋5％＋5％×2％）＝3、98
31、进入21世纪，国际资本流动呈现出的新特点是（ D ） A发展中国家称为资本净输入国
B资本向发达国家回流
C私人资本流动规模超过官方资本流动
D发展中国家成为资本净输出国
32、根据“巴塞尔协议”，现金资产的风险权数为（A）。
A、0%
B、10%
C、20%
D、50%
33、银行间外汇市场的交易原则是（B）。
A、公开、公平、公正
B、价格优先、时间优先
C、公开报价、电子配对
D、金额大者先行交易
34、控制货币供应量的关键是中央银行能否准确测定和调控（ D ）
A、基础货币
B、现金
C、储备存款
D、货币乘数
解析：注意与第一个选项的区别
35、基础货币的构成虽然比较复杂，但都是由（B）资产业务创造的。
A、商业银行
B、中央银行
C、中央银行与商业银行
D、商业银行与专业银行
36、居民可以在国内自由持有外币资产，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（C）。
A、货币完全可兑换 B、货币对外可兑换
C、货币对内可兑换 D、货币部分可兑换
37、使受险单位蒙受潜在损失的汇率风险是( D )。
A、交易风险
B、会计风险
C、折算风险
D、经济风险
38、从总体上看，我国( B )基本上没有金融负债，只有金融资产。
A、企业
B、居民个人
C、商业银行
D、中央银行
39、为政策性进出口业务提供买方信贷与卖方信贷是（ D ）办理的业务。
A、中国银行
B、中国农业发展银行
C、国家开发银行
D、中国进出口银行
40、下列属于金融机构实行分业经营模式，金融监管实行集中监管模式的国家或地区是(B)
A、美国
B、韩国
C、香港
D、瑞士
41、根据购买力平价理论，( C )是决定汇率长期趋势中的主导因素。
A、国际收支状况
B、利率差异
C、国内外通胀差异
D、社会总供求状况
42、金融业之所以存在对监管的需求，是因为国家可以通过监管使得利益集团的经济地位获得改善，这是（D ）的观点。
A、公共利益论
B、特殊利益论
C、社会选择类
D、经济监管论
43、根据有关监管要求，我国商业银行外汇存款比例不得超过（ D ）。
A、55％
B、65％
C、75％
D、85％
44、在《巴塞尔报告》的资本构成中，除了规定核心资本与附属资本之外，还规定了（B ）
A、债务资本项
B、资本扣除项
C、资产重估项
D、合并列表项
45、在货币政策一般传导机制的环节中，不包括( D )。
A、从企业个人的投资和消费至产量、物价、就业、国际收支的变动
B、从中央银行至金融机构和金融市场
C、从金融机构和金融市场至企业和个人
D、从中央政府至中央银行
46、证券回购的交易主体是（ A ）
A具备法人资格的金融机构 B商业银行
C非银行金融机构 D证券交易所
47、我国首家股份制农村商业银行（ C、 ）年设立。
A、1999 B、2000 C、2001 D、2002
48、 假设美国的利率为3%，日本的利率为7%，则1年的远期日元
（B）。
A、升水4% B、贴水4% C、升水2% D、贴水2%
49、当GDP大于I+C+(X-M)时，物价变动趋势是（ C ）
A、不变
B、上升
C、下降
D、不确定
50、货币当局为实现货币政策最终目标而采取的措施或手段一般称为(A )。
A、货币政策工具
B、货币政策操作目标
C、货币政策手段
D、货币政策中介目标
51、我国商业银行全面实行资产负债比例管理是在( B )年。
A、1997年
B、1998年
C、1999年
D、2000年
52、金融相关比率是指某一时点上（ A ）
A、金融资产存量与国民财富之比
B、金融资产增量与国民财富之比
C、金融资产存量与对外净资产之比
D、金融资产增量与政府财政之比
53、金融发展对经济增长和发展最重要的作用是（ D ）
A、对减少贫困的带动性贡献
B、对稳定经济活动的贡献
C、对稳定收入的贡献
D、对长期经济平均增长水平的总体贡献
54、可以用来解决金融市场逆向选择和道德危害的两个重要工具是( B )。
A、利率和汇率
B、抵押和限制条款
C、合同和信用证
D、交易商制度和规模经济
55、菲利普斯曲线所反映的物价水平与就业的矛盾关系是（B）。
A、就业率低，物价上涨率高
B、失业率低，物价上涨率高
C、就业率高，物价上涨率低
D、失业率高，物价上涨率高
56、在期权交易中（B）有履约选择权。
A、卖方
B、买方
C、买卖双方
D、经纪人
57、政策性金融机构的本质特征是（B）。
A、政府创立
B、不以盈利为目标
C、特定业务领域
D、贯彻宏观调控
58、项目融资中的借款单位是( B )。
A、担保单位
B、项目公司
C、出口信贷机构
D、项目管理公司
59、根据我国现行规定，期货业的经营活动，归属于（C）。
A、银监会监管
B、人民银行监管
C、证监会监管
D、保监会监管
60、银行谨慎监管原则就是监管当局要( D )评估银行机构的风险。
A、一般限度地
B、适当限度地
C、最低限度地
D、最大限度地
二、判断对错题
61、破产企业的董事、监事和高级管理人员的工资按照其宣告破产前各自工资的一半计算。（）
62、伪造货币罪侵犯的对象只能是在国内市场流通或兑换的人民币，包括纸币和硬币。（）
63、在经济往来中，给予国家工作人员以较大数额的财物，或者给予国家工作人员以各种名义的回扣、手续费的，都属于行贿行为。（）
64、银行业从业人员应当遵守银行业从业人员职业操守，接受有关机构的监督，也要接受社会公众的监督。（）
65、某客户单独在某银行贵宾柜台办理业务，希望将30万元人民币从自己的账户转存至所持有的爱人存折的账户中。银行柜员以该客
户未持有其爱人身份证为由，只转存了19万元（限存20万元）。事实上，按照规定，该客户以汇款方式可以实现全额转存，但该柜员为了避免在“监管规避”方面违规，并未向客户提供此建议。该柜员的做法是正确的。（）
66、很多银行为VD?客户提供比一般客户更加优惠、便捷的服务，这违反了“公平对待”原则。（）
67、银行工作人员离职时应当按照规定妥善交接工作，不得擅自带走所在机构的财物和工作资料，可以用个人的餐费发票冲抵尚未用完的客户应酬预算。（）
68、银行业从业人员应当爱护机构财产，这一原则包括银行业从业人员应当遵守工作场所安全保障制度。（）
69、银行业从业人员之间可以就某些银行共同关心的话题组织专题协调会。（）
70、某银行分行员工小李将分行有关数据在家中委托在银监局工作的爱人转交给对该分行进行非现场监管的有关监管人员。这是积极配合监管的有效行为。（）
参考答案：F F T T F F F T T F
第一部分：英语能力测试
一、单项选择
1. ___________! There’s a train coming.
A. Look out B. Look around C. Look forward D. Look on
答案：A
2. The murderer was brought in, with his hands _________ behind his back.
A. being tied B. having tied C.
D. tied
答案：D
3. She heard a terrible noise, ___________ brought her heart into her mouth.
A. it B. which C. this D. that 答案：B
4. Some children usually behave in their own way _____ they do not get along well with their
classmates and there are often disagreements between them.
A. even though B. on condition that C. so that D. unless
答案：C to be tied
5. Secondary and higher education _____ available to all high school graduates in this
country so far.
A. have made B. were made themselves C. have been made D. were made it
答案：C
6. The mother believes that John’s stupid, but it’s different _____ of Mary; she’s just lazy.
A. in spite B. in the case C. in the course D. case
答案：B
7. I learned to __________ a bicycle as a small boy.
A. drive B. ride C. operate D. run
答案：B
8. _________, I went to the railway station to see my friend off.
A. After eating quickly my dinner B. After my quickly eating dinner
C. After eating my dinner quickly D. eating my quickly dinner
答案：C After in
9. Whoever does wrong to his country or to the people deserves _____.
A. to punish B. to be punished
C. to punishment D. of being punished
答案：B
10. After Christmas, _____ clothes on sale in that shop attracted quite a few housewives.
A. a variety of B. a number of C. the number of
D. the great deal of
答案：A
11. About how many elements _____ make up most of the substances we meet in everyday
life? A. it is which B. what it is C. is it that D. it is that
答案：C
12. The government was believed to be considering _____ a law
_____ it a crime to import any kind of weapon.
A. to pass „. to making B.
passing „. to make
C. passing „ made D.
making.
答案：D passing „. to be
13. Dewitt Wallance founded the Reader’s Digest as a pocket-sized, non-fiction magazine
_____ to inform and entertain.
A. was intended B. intending C. to intend D. intended
答案：D
14. We __________ each other the best of luck in the examination.
A. hoped B. wanted C. expected D. wished
答案：D
15. Will you ________ me a favor, please?
A. give B. make C. do D. doing 答案：C
16. The image of a devoted and noble angel in white _____ heals the wounded and rescues
the dying is making a comeback _____ the nation faces a crisis.
A. that„because B. who„when C. which„that D. what„as
答案：B
17. The mayor has promised the city government _____ the
building of new roads with the
taxes it collects.
A. shall finance B. may support C. can help D. should provide
答案：A
18. A computer __________ think for itself; it must be told what to do.
A. can’t B. couldn’t C. may not D. might not
答案：A
19. Does ____________ matter if he can’t finish the job on time?
A. this B. that C. he D. it 答案：D
20. Don’t smoke in the meeting room, __________?
A. do you B. will you C. can you D. could you
答案：B
二、完型填空
Directions:
For each blank in the following passage, there are four
choices given below and marked A, B, C and D. Choose the one that is most suitable and mark your answer by blackening the corresponding letter on the Answer Sheet.
When Pat Jones finished college, she decided she wanted to travel around the world and see as many foreign places as she could _1_ she was young. Pat wanted to visit Latin America first, so she got a job _2_ an English teacher in a school in Bolivia. Pat spoke a little Spanish, _3_ she was able to communicate with her students even when they didn’t know much English.
A sentence she had read somewhere stuck in her mind: if you dream _4_ a foreign language, you have really mastered it. Pat repeated this sentence to her students and hoped that someday she would dream in Spanish and they would dream in English.
One day, one of her worst students came up and explained in Spanish that he had not done his homework. He had _5_ early, and had slept badly.
“What does this have to do with _6_?” Pat demanded. “I dreamed all night, Miss, Jones, and my dream was in English!”
“In English” Pat was very surprised, since he was such
a bad students. She was _7_ secretly jealous. Her dreams were still not in Spanish. But she encouraged her young student, “Well, tell me about your dream.”
“All the people in my dream _8_ English,” the student said, “And all the signs were in English. All the newspapers and magazines and all the TV programs were in English.” “But that’s wonderful,” said Pat, “What did all the people say to you?”
“I’m _9_, Miss Jones. that’s _10_ I slept so badly. I didn’t understand a word they said. It was a nightmare!”
1.A. as B. while C. if D. since
2.A. for B. of C. as D. like
3.A. and B. but C. so D. yet
4.A. in B. about C. of D. for
5.A. got up B. gone to bed C. fallen asleep D. woken up
6.A. you B. me C. your dream D. your homework
7.A. usually B. seldom C. also D. still
8.A. read B. liked C. spoke D. learned
9.A. shy B. silly C. sorry D. sad
10.A. how B. why C. when D. where
参考答案： B C C A B D C CC B
三、阅读理解
Passage 1
One of the odd things about some business organizations is that they spend so much money to lure( 吸引) new customers and spend so little to keep them after they've been landed. It just doesn't make sense. Taking customers for granted is routine in some larger organizations, where mere bigness generates an attitude of indifference.
Loyal customers are an organization's only protection against bankruptcy, and losing them because of neglect or indifference is downright sinful (可耻的). Not only do satisfied customers continue to fatten the till (钱袋); they often encourage others to buy. This is advertising that doesn't cost a penny. And although there are always problems in giving good service to customers, maintaining their patronage(光顾) isn't all that difficult. It's a matter of attitude, of believing that everyone who buys from you is entitled to the best treatment you can deliver. Plus giving just a little more than you have to.
We said there are always problems in giving good service to customers. The reason, of course, is that no organization is
perfect, and there's many a slip: unreasonable delays in filling orders, shipping the wrong merchandise, failing to answer letters promptly, and so on.
Sometimes these errors or failures can't be helped. For example, if you can't get parts because of material shortages or a transportation strike, customers may be denied the goods they've ordered. And not infrequently the customer is to blame -- for example, failing to clearly identify the article or service required
Yet no matter who is at fault, customers whom you value highly should generally be given the benefit of any doubt. Note that we said "customers whom you value highly." The old saw (格言) that all customers should be treated alike is a myth. Customers who repeatedly place large orders and pay for them will naturally get more attention than those who buy infrequently and have to be badgered (纠缠) to pay what they owe. However, you have to make the assumption that all customers are good unless proved otherwise. ( 355 words )
1. Which of the following can best express the main idea of the passage ?
A. Business organizations should not spend so much money to attract new customers.
B. Maintaining customers' patronage is most important to business organizations.
C. Customers are kings.
D. Organizations should pay more attention to the benefit of their customers.
2. Which of the following conclusions can be drawn from the second paragraph?
A. Customers should always be well serviced.
B. Without loyal customers an organization might go bankrupt.
C. Companies can employ customers to advertise their products.
D. It is difficult for large organizations to provide their customers with good service.
3. The author might probably disagree with which of the following statements?
A. Some errors and failures are unavoidable.
B. Both an organization and their customer are responsible for certain error.
C. An attitude of indifference towards their customers might result in a heavy loss of profit.
D. Only regular customers deserve good treatment
4. What does the author imply in the sentence "The old saw that customers should be treated alike is a myth"?
A. It's not real that customers should be treated equal
B. It's not true that all customers are treated equal
C. Customers received equal treatment in the past
D. It's an old story that customers were treated equal
5. The word "identify" in the fourth paragraph is the same as ________
A. notice B. distinguish C. describe D. recognize
参考答案： BBDBD
Passage 2
Our losses change us and change the course of our lives. It is not that one can never again be happy following an experience of loss. The reality is simply that one can never again be the same.
Sudden, unexpected change can create the greatest of all challenges to our peace and serenity. With no advance preparation, we have to adjust to what may be drastically different circumstances than what we’re used to. We may come home from a normal day at work to find our house has burned to the ground. We may rejoice in a pregnancy and then have it suddenly end in miscarriage or stillbirth. We may lose a loved one through death or divorce. We may lose our property, beliefs,
future plans, feelings of safety, or even our sense of identity. The truth is, almost everything in our lives can be lost. Most of the time we protect ourselves from this reality. We just don't think about the fact that we could lose something dear to us in an instant. To dwell on this thought would make it impossible to get on with our lives in a positive way. We don't need to fear loss or begin grieving before anything has happened. But we can accept the reality that it could happen, and that will eventually come out of the experience all right if rational acceptance of reality changes our lives. It comes along unexpectedly, and it did. This kind of rational acceptance without irrational fear can help prepare us for an unexpected loss.
Two kinds of changes take place within us when we experience a sudden loss. First, we become conscious of our vulnerability. We can no longer achieve that denial which kept us oblivious to all the things that could happen. We know that all kinds of losses can happen to us, not just to other people. We may never feel quite as safe again. The other effect of sudden loss is that eventually we adjust to it. It may take a long time, but we gradually incorporate the loss into our lives and go on.
These two changes can be very positive and healing. We needn't view acceptance of our vulnerability or of our specific loss as resignation to life's terrible aspects. Instead, we can think of this growth experience as a stepping-stone on our path toward true inner peace and rational acceptance of reality.
6. According to Paragraph 1, our losses can _________. I. change the course of our lives
II. change our experience of loss
III. change the character and personality of ours
[A] I only [B] I and II
[C] I and III [D] I, II and III
7. Examples of the following belong to sudden changes or losses except __________.
[A] one may return home from work to see one’s home destroyed totally by a fire
[B] one may be desperate to find one’s best friend or lover betray himself/herself
[C] one may find what he believes as utmost truth in life turns out a white lie
[D] one may find that there can never be the so-called feelings of safety or real beliefs
8. “This thought” in the sentence “To dwell on this thought
would make it impossible „” in paragraph 3 may refer to _______.
[A] most of the time we protect ourselves from this reality
[B] we could lose something dear to us in an instant
[C] we just don’t think of something that we could lose in an instant
[D] almost everything in our lives can be lost in an instant
9. The author advocates the attitude towards loss or sudden loss in life can be summarized as _____.
[A] being ready for unexpected loss and experience two kinds of change
[B] eventually coming out of the loss experience
[C] ready for unexpected loss reasonably and calmly
[D] being prepared for unexpected losses though fearfully sometimes
10. The best title of this passage can be:_____________.
[A] Sudden Loss and Change in Our Life
[B] Unexpected Loss on Our Way to Success
[C] Loss and Misfortune in the World
[D] Sudden Loss and Feeling of Safety
参考答案： C D B C A
Passage 3
The British are known as people who love to stand in line, but a new research shows that the British are only about average (平均数) at waiting politely in a queue. The French are the best. It's the Germans who don't have a good habit of standing in line. They can't stand to wait for anything. They begin to shout loudly and noisily if the line doesn't seem to be moving fast enough. Sadly it never moves fast enough for them. The experts studied 940 people across Europe. They watched secretly as they waited in line-to get tickets, to order fast food and to wait for the bus. They found people who are good at forming (排成) queues feel that they move along faster. For example, in Britain, the average waiting at a queue needs about three and a half minutes. In Germany or Sweden people hate waiting in line. In fact, people spend double the time as the British in queues. They get to the front of the queue without thinking about others, so they waste others' time.
The expert who did the research had asked a person to break into a queue to see what people would do. In Britain, people shouted loudly at him, but when he said," I' m terribly sorry. I didn't realize there was a queue. Do go before me. "People
smiled and said. "Oh, that's all right, one more won't matter much. "It was also found in France, where 80％ of the people didn't mind standing in line. only if they were treated politely. While in Germany everyone was angry and wore an unhappy face. The expert said, "If only they could learn from the British and the French to think of queuing as an exercise in making the best of an unhappy thing, they might find that the queue then moves faster."
11. The research shows that the people in _______ are the most polite in standing in line.
A. Sweden B. Britain C. France D. Germany
12. The Germans spend more time than the British in queues because they _______.
A. always talk a lot with others B. like waiting in line
C. don't follow the rule of queuing D. don't know the rule of queuing
13. According to the research, which of the following is TRUE?
A. The British didn't care about the queue jumper.
B. The Germans were angry with the queue jumper.
C. The French treated the queue jumper badly.
D. The Swedish enjoyed themselves while queuing.
14. From the last sentence we know the expert wished the Germans could_______.
A. have a good habit of standing in line B. save others' time while queuing
C. move quickly when queuing D. take exercise in queues
15. The result of the research shows that_______.
A. people in Europe hate waiting in line
B. standing in line is a kind of exercise
C. there are always queue jumpers all over the world
D. people good at standing in line think they move along faster
参考答案：C C B A D
Passage 4
"High tech" and "state of the art" are two expressions that describe the modern technology. High tech is just a shorter way of saying high technology. And high technology describes any invention, system of device that uses the newest ideas or discoveries of science and engineering. What is high tech? A computer is high tech. So is a communications satellite. A
modern manufacturing system is surely high tech. High tech became a popular expression in the United States during the early 1980' s. Because of improvements in technology, people could buy many new kinds of products in American stores, such as home computers, microwave ovens, etc.
" State of the art" is something that is as modern as possible. It is a product that is based on the very latest methods and technology. Something that is "state of the art" is the newest possible design or product of a business or industry. A state of the art television set, for example, uses the modernest electronic design and parts. It is the best that one can buy. "State of the art" is not a new expression. Engineers have used it for years, to describe the best and most modern way of doing something. Millions of Americans began to use the expression in the late 1970's. The reason was the computer revolution. Every computer company claimed that its computers were " state of the art".
Computer technology changed so fast that a state of the art computer today might be old tomorrow. The expression " state of the art " became as common and popular as computers themselves. Now all kinds of products are said to be "state of the art".
16. What is the purpose of the passage
A. To tell how "high tech" and "state of the art" have developed.
B. To give examples of "high tech".
C. To tell what "high tech" and "state of the art " are.
D. To describe very modern technology.
17. What can we infer from the passage?
A. American stores could provide new kinds of products to people.
B. High tech describes a technology that is not traditional.
C. "State of the art" is not as popular as "high tech".
D. A modern plough pulled by oxen is "state of the art".
18. All the following examples are high tech except ______.
A. a microwave oven
B. a home computer
C. a hand pump
D. a satellite
19. Which of the fbl1owing statements is not true?
A. Since the computer revolution, the expression “ state of art" has become popular.
B. “ State of the art" means something that is the best one can buy.
C. With the rapid development of computer," state of the art" computer may easily become out of date.
D. All kinds of products are "state of the art" nowadays.
20. The best title for the passage is__________.
A. Computer Technology
B. High Tech and State of the Art
C. Most Advanced Technology
D. Two New Expressions
参考答案:C A C D B
第二部分：专业能力测试
一、单项选择题
1、若一笔按10％利率为期三年的投资，在三年内分别支付本金和利息，其中第一年1 000元，第二年2 000元，第三年3 000元，则该笔投资的期值为( D )。
A、1 210元
B、2 200元
C、3 000元
D、6 410元
2、下列属于我国商业银行资本金来源的是(C )。
A、企业存款
B、储蓄存款
C、未分配盈余
D、同业拆借
3经理国库是中央银行作为（ D ）职责的具体表现
A银行的银行
B发行的银行
C管理的银行
D政府的银行
4、企业和个人通过银行用本币买入外汇是（ B ）。
A结汇 B售汇 C付汇 D换汇
5、债券的市场价格与市场利率（ B ）
A、成正比
B、成反比
C、相关
D、无关
6、( A )反应了风险资产组合和无风险资产的收益与风险关系。 A资本市场线
B收益曲线
C证券市场线
D有效市场线
7、商业银行负债业务经营的核心是( B )。
A、资本金
B、存款
C、同业拆借
D、向中央银行借款
8、银行风险中的国家风险实际上是一种(D )。
A、市场风险
B、操作风险
C，法律风险
D、信用风险
9、1997年9月，巴塞尔委员会公布了(D )，以期成为世界各国共同遵守的银行监管的谨慎法规。
A、巴塞尔协议
B、巴塞尔报告
C、巴塞尔建议
D、核心原则
10弗里德曼认为，货币需求是稳定并可预测的，因而货币政策应当是（ D ）
A相机行事
B适度从紧
C适度扩张
D单一规则
11、根据2005年中国银行业监督管理委员会发布的《商业银行风险
监督核心指标》，核心负债比率不得低于（C）。
A、40% B、50%
C、60% D、80%
12、实证研究表明，金融深化与人均国民收入的水平有着密切的(A)关系。
A、正相关
B、负相关
C、非线性
D、不稳定
13、监管当局对单个银行在并表的基础上收集资料、分析银行机构经营稳健性和安全性的监管方法是（C）。
A、现场检查 B、并表监管 C、非现场监测 D、实证监管
14、治理通货膨胀首先要（B）。
A、刺激需求
B、控制需求
C、增加供给
D、减少供给
15、动用财政历年节余弥补财政赤字时，如果中央银行无法压缩其他资产规模，将会引起货币供应量( A )。
A、扩张
B、收缩
C、不变
D、扩张或收缩
16、政府行为的( D )是促进金融深化和创新的重要举措。
A、公开化
B、法制化
C、规范化
D、市场化
17、商业银行账户的货币是( B )。
A、基础货币
B、普通货币
C、高能货币
D、强力货币
18、交易双方依据预先约定的规则，在未来的一定时期内，彼此对调一系列现金流量（本金、利、价差等）的交易行为，称之为（ D ）
A、金融期货
B、金融期权
C、远期合约
D、互换
19、商业银行资产经营的核心内容是（ D ）
A、资本金
B、存款
C、同业拆借
D、贷款
20、如果存款总额为100万元，存款乘数为4，则原始存款为( C )万元。
A、15
B、20
C、25
D、35
21、派生存款的产生只能在( C )形成。
A、金融市场体系内部
B、金融市场体系外部
C、商业银行体系内部
D、商业银行体系外部
22、监管被看成是政府用来改善资源配置和收入分配手段的管制理论是（B）。
A、特殊利益论 B、公共利益论 C、社会选择论 D、经济监管论
23、解决交易成本问题的办法是靠( A )。
A、规模经济
B、加强管理
C、控制支出
D、降低交易额
24、一个国家货币与另一个国家货币的折算比率是(A )。
B、国际结算
C、国际收支
D、外汇买卖
25、 企业集团财务公司注册资本最低限额为（ A ）亿元。
A、3 B、4 C、5 D、2
26、商业银行的两种不同性质的工作内容可以概括为( C )。
A、存款与贷款
B、信贷与投资
C、经营与管理
D、表内与表外
27、商业银行财务管理的核心内容是( A )。
A、成本管理
B、风险管理
C、费用管理
D、利润管理
28、总需求的实现手段和载体是(A)。
A、货币
B、信用
C、金融工具
D、投资和消费
29、国际上银行承兑票据经（C）保证支付后，在二级市场可以转让。
B、付款人
C、承兑行
D、保兑行
30、若法定存款准备金率为10％，提现率为10％，超额准备金率为5％，定期存款法定准备金率为5％，活期存款转化为定期存款的比例为2％，则存款乘数K为( C )。
A、4
B、5
C、3、98
D、3、75
解析：1÷（10％＋10％＋5％＋5％×2％）＝3、98
31、进入21世纪，国际资本流动呈现出的新特点是（ D ） A发展中国家称为资本净输入国
B资本向发达国家回流
C私人资本流动规模超过官方资本流动
D发展中国家成为资本净输出国
32、根据“巴塞尔协议”，现金资产的风险权数为（A）。
A、0%
B、10%
C、20%
D、50%
33、银行间外汇市场的交易原则是（B）。
A、公开、公平、公正
B、价格优先、时间优先
C、公开报价、电子配对
D、金额大者先行交易
34、控制货币供应量的关键是中央银行能否准确测定和调控（ D ）
A、基础货币
B、现金
C、储备存款
D、货币乘数
解析：注意与第一个选项的区别
35、基础货币的构成虽然比较复杂，但都是由（B）资产业务创造的。
A、商业银行
B、中央银行
C、中央银行与商业银行
D、商业银行与专业银行
36、居民可以在国内自由持有外币资产，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（C）。
A、货币完全可兑换 B、货币对外可兑换
C、货币对内可兑换 D、货币部分可兑换
37、使受险单位蒙受潜在损失的汇率风险是( D )。
A、交易风险
B、会计风险
C、折算风险
D、经济风险
38、从总体上看，我国( B )基本上没有金融负债，只有金融资产。
A、企业
B、居民个人
C、商业银行
D、中央银行
39、为政策性进出口业务提供买方信贷与卖方信贷是（ D ）办理的业务。
A、中国银行
B、中国农业发展银行
C、国家开发银行
D、中国进出口银行
40、下列属于金融机构实行分业经营模式，金融监管实行集中监管模式的国家或地区是(B)
A、美国
B、韩国
C、香港
D、瑞士
41、根据购买力平价理论，( C )是决定汇率长期趋势中的主导因素。
A、国际收支状况
B、利率差异
C、国内外通胀差异
D、社会总供求状况
42、金融业之所以存在对监管的需求，是因为国家可以通过监管使得利益集团的经济地位获得改善，这是（D ）的观点。
A、公共利益论
B、特殊利益论
C、社会选择类
D、经济监管论
43、根据有关监管要求，我国商业银行外汇存款比例不得超过（ D ）。
A、55％
B、65％
C、75％
D、85％
44、在《巴塞尔报告》的资本构成中，除了规定核心资本与附属资本之外，还规定了（B ）
A、债务资本项
B、资本扣除项
C、资产重估项
D、合并列表项
45、在货币政策一般传导机制的环节中，不包括( D )。
A、从企业个人的投资和消费至产量、物价、就业、国际收支的变动
B、从中央银行至金融机构和金融市场
C、从金融机构和金融市场至企业和个人
D、从中央政府至中央银行
46、证券回购的交易主体是（ A ）
A具备法人资格的金融机构 B商业银行
C非银行金融机构 D证券交易所
47、我国首家股份制农村商业银行（ C、 ）年设立。
A、1999 B、2000 C、2001 D、2002
48、 假设美国的利率为3%，日本的利率为7%，则1年的远期日元
（B）。
A、升水4% B、贴水4% C、升水2% D、贴水2%
49、当GDP大于I+C+(X-M)时，物价变动趋势是（ C ）
A、不变
B、上升
C、下降
D、不确定
50、货币当局为实现货币政策最终目标而采取的措施或手段一般称为(A )。
A、货币政策工具
B、货币政策操作目标
C、货币政策手段
D、货币政策中介目标
51、我国商业银行全面实行资产负债比例管理是在( B )年。
A、1997年
B、1998年
C、1999年
D、2000年
52、金融相关比率是指某一时点上（ A ）
A、金融资产存量与国民财富之比
B、金融资产增量与国民财富之比
C、金融资产存量与对外净资产之比
D、金融资产增量与政府财政之比
53、金融发展对经济增长和发展最重要的作用是（ D ）
A、对减少贫困的带动性贡献
B、对稳定经济活动的贡献
C、对稳定收入的贡献
D、对长期经济平均增长水平的总体贡献
54、可以用来解决金融市场逆向选择和道德危害的两个重要工具是( B )。
A、利率和汇率
B、抵押和限制条款
C、合同和信用证
D、交易商制度和规模经济
55、菲利普斯曲线所反映的物价水平与就业的矛盾关系是（B）。
A、就业率低，物价上涨率高
B、失业率低，物价上涨率高
C、就业率高，物价上涨率低
D、失业率高，物价上涨率高
56、在期权交易中（B）有履约选择权。
A、卖方
B、买方
C、买卖双方
D、经纪人
57、政策性金融机构的本质特征是（B）。
A、政府创立
B、不以盈利为目标
C、特定业务领域
D、贯彻宏观调控
58、项目融资中的借款单位是( B )。
A、担保单位
B、项目公司
C、出口信贷机构
D、项目管理公司
59、根据我国现行规定，期货业的经营活动，归属于（C）。
A、银监会监管
B、人民银行监管
C、证监会监管
D、保监会监管
60、银行谨慎监管原则就是监管当局要( D )评估银行机构的风险。
A、一般限度地
B、适当限度地
C、最低限度地
D、最大限度地
二、判断对错题
61、破产企业的董事、监事和高级管理人员的工资按照其宣告破产前各自工资的一半计算。（）
62、伪造货币罪侵犯的对象只能是在国内市场流通或兑换的人民币，包括纸币和硬币。（）
63、在经济往来中，给予国家工作人员以较大数额的财物，或者给予国家工作人员以各种名义的回扣、手续费的，都属于行贿行为。（）
64、银行业从业人员应当遵守银行业从业人员职业操守，接受有关机构的监督，也要接受社会公众的监督。（）
65、某客户单独在某银行贵宾柜台办理业务，希望将30万元人民币从自己的账户转存至所持有的爱人存折的账户中。银行柜员以该客
户未持有其爱人身份证为由，只转存了19万元（限存20万元）。事实上，按照规定，该客户以汇款方式可以实现全额转存，但该柜员为了避免在“监管规避”方面违规，并未向客户提供此建议。该柜员的做法是正确的。（）
66、很多银行为VD?客户提供比一般客户更加优惠、便捷的服务，这违反了“公平对待”原则。（）
67、银行工作人员离职时应当按照规定妥善交接工作，不得擅自带走所在机构的财物和工作资料，可以用个人的餐费发票冲抵尚未用完的客户应酬预算。（）
68、银行业从业人员应当爱护机构财产，这一原则包括银行业从业人员应当遵守工作场所安全保障制度。（）
69、银行业从业人员之间可以就某些银行共同关心的话题组织专题协调会。（）
70、某银行分行员工小李将分行有关数据在家中委托在银监局工作的爱人转交给对该分行进行非现场监管的有关监管人员。这是积极配合监管的有效行为。（）
参考答案：F F T T F F F T T F