【单选题】
The underlined word "they" in the last sentence refers to __________.___
A. the trainers
B. the systems
C. the researchers
D. the dogs
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【单选题】
The new law passed in Rome will ________.___
A. help improve fishing environment
B. stop people from catching goldfish
C. guarantee better conditions for goldfish
D. discourage keeping goldfish at home
【单选题】
People in Rome believe that the civilization of a city can be judged by _________.___
A. awareness of animal protection
B. exchanges with other cities
C. protection of ancient ruins
D. recognition of animal lovers
【单选题】
The underlined word "compassion" in Para 2 is the closest in meaning to __________.___
A. support
B. pity
C. help
D. love
【单选题】
People may break the law in Turin if they ________.___
A. keep their dogs or cats in cars
B. shut their dogs home all day long
C. raise their cats near ancient ruins
D. feed homeless animals in car parks
【单选题】
We can infer from the passage that _________.___
A. the owners can leave their dogs in hot cars
B. the cat only lives in modern life
C. the new law can prevent cruelty to animals
D. the new law gives recognition to the
people who feed homeless cat
【单选题】
If a person finds getting up early a problem, most probably ________.___
A. he is a lazy person
B. he refuses to follow his own energy cycle
C. he is not sure when his energy is low
D. he is at his peak in the afternoon or evening
【单选题】
Which of the following may lead to family quarrels according to the passage?___
A. Unawareness of energy cycles.
B. Familiar monologues.
C. A change in a family member's energy cycle.
D. Attempts to control the energy cycle of other family members.
【单选题】
If one wants to work efficiently at his low point in the morning, he should __________.___
A. change his energy cycle
B. overcome his laziness
C. get up earlier than usual
D. go to bed earlier
【单选题】
You are advised to rise with a yawn and stretch because it will __________.___
A. help to keep your energy for the day's work
B. help you to control your temper early in the day
C. enable you to concentrate on your routine work
D. keep your energy cycle under control all day
【单选题】
Which of the following statements is NOT true?___
A. Getting off to work with a minimum effort helps save one's energy.
B. Dr. Kletman explains why people reach their peaks at different hours of day.
C. Habit helps a person adapt to his own energy cycle.
D. Children have energy cycles, too.
【单选题】
An effective way to prevent the burnout of young athletes is __________.___
A. to increase their sense of success
B. to make sports less competitive
C. to reduce their mental stress
D. to make sports more challenging
【单选题】
According to the passage sport is positive for young people in that __________.___
A. it can help them learn more about society
B. it enables them to find flaws in themselves
C. it teaches them how to set realistic goals for themselves
D. it can provide them with valuable experiences
【单选题】
Many coaches and parents are in the habit of criticizing young athletes __________.___
A. without realizing criticism may destroy their self-confidence
B. in order to make them remember life's lessons
C. believing that criticism is beneficial for their early development
D. so as to put more pressure on them
【单选题】
According to the passage parents and coaches should __________.___
A. help children to win every game
B. pay more attention to letting children enjoy sports
C. train children to cope with stress
D. enable children to understand the positive aspect of sports
【单选题】
The author's purpose in writing the passage is _________.___
A. to persuade young children not to worry about criticism
B. to stress the importance of positive reinforcement to children
C. to discuss the skill of combining criticism with encouragement
D. to teach young athletes how to avoid burnout
【单选题】
As pointed out at the beginning of the passage, people used to think that air pollution _______.___
A. cause widespread damage in the countryside
B. affected the entire eastern half of the United States
C. had damaged effect on health
D. existed merely in urban and industries areas
【单选题】
As to the greenhouse effect, the author ________.___
A. share the same view with the scientist
B. is uncertain of its occurrence
C. rejects it as being ungrounded
D. thinks that it will destroy the world soon
【单选题】
The underlined word "offset" in the second paragraph could be replaced by _________.___
A. slip into
B. make up for
C. set up
D. catch up with
【单选题】
It can be concluded that ____________.___
A. raising the world's temperature only a few degrees would not do much harm to life on earth
B. lowering the world's temperature merely a few degrees would lead major farming areas to disaster
C. almost no temperature variations have occurred over the past decade
D. the world's temperature will remain constant in the years to come
【单选题】
This passage is primarily about __________.___
A. the greenhouse effect
B. the burning of fossil fuels
C. the potential effect of air pollution
D. the likelihood of a new ice age
【单选题】
What is the major function of paragraph 1?___
A. To arouse the reader's concern.
B. To introduce the theme of the whole passage.
C. To summarize the whole passage.
D. To state the primary uses of TV.
【单选题】
Television, as a source of entertainment, is ________.___
A. not very convenient
B. very expensive
C. quite dangerous
D. relatively cheap
【单选题】
Why are some people against TV?___
A. Because TV programs are not interesting.
B. Because TV viewers are totally passive.
C. Because TV prices are very high.
D. Because TV has both advantages and disadvantages.
【单选题】
One of the most obvious advantages of TV is that _________.___
A. it keeps us informed
B. it is very cheap
C. it enables us to have a rest
D. it controls our lives
【单选题】
According to the passage, whether TV is good or not depends on ___________.___
A. its quality
B. people's attitude towards it
C. how we use it
D. when we use it
【单选题】
What regulation was issued by New York State concerning beverage containers?___
A. A fee should be charged on used containers for recycling.
B. Throwaways should be collected by the state for recycling.
C. Consumers had to pay for beverage containers and could get their money back on returning them.
D. Beverage companies should be responsible for collecting and reusing discarded plastic soda bottles.
【单选题】
The returned plastic bottles in New York used to _____________.___
A. be turned into raw materials
B. be separated from other rubbish
C. have a second-life value
D. end up somewhere underground
【单选题】
The key problem in dealing with returned plastic beverage containers is ______________.___
A. how to reduce their recycling costs
B. to sell them at a profitable price
C. how to turn them into useful things
D. to lower the prices for used materials
【单选题】
Recycling has become the first choice for the disposal of rubbish because ______________.___
A. recycling causes little pollution
B. other methods are more expensive
C. recycling has great appeal for the jobless
D. local governments find it easy to manage
【单选题】
It can be concluded from the passage that ____________.___
A. recycling is to be recommended both economically and environmentally
B. local governments in the U.S. can expect big profits from recycling
C. rubbish is a potential remedy for the shortage of raw materials
D. landfills will still be widely used for waste disposal
【单选题】
The author chose to study engineering at a small liberal-arts university because he ________.___
A. intended to be a sensible student with noble ideals
B. wanted to be an example of practicality and rationality
C. intended to be a combination of engineer and humanist
D. wanted to coordinate engineering with liberal-arts courses in college
【单选题】
According to the author, by interacting with people who study liberal arts, engineering students can __________.___
A. broaden their horizons
B. receive guidance in their careers
C. become noble idealists
D. balance engineering and the liberal arts
【单选题】
In the eyes of the author, a successful engineering student is expected ______________.___
A. to be imaginative with a value system to guide him
B. to be a technical genius with a wide vision
C. to have an excellent academic record
D. to be wise and mature
【单选题】
The author's experience shows that he was ________.___
A. creative
B. ambitious
C. irrational
D. unrealistic
【单选题】
The underlined word "they" in "... together they threaten to confuse." (Para.5) refers to ____________.___
A. practicality and rationality
B. engineering and the liberal arts
C. reality and noble ideals
D. flexibility and a value system
【单选题】
It can be learned from the passage that the Ouchidas' house __________.___
A. failed to meet energy conservation standards
B. was designed and constructed in a scientific way
C. is well worth the money spent on its construction
D. is almost faultless from the point of energy conservation
【单选题】
What made the Ouchidas' new house a horrible dream?___
A. Lack of fresh air.
B. Gas leakage in the kitchen.
C. The newly painted walls.
D. Poor quality of building materials.
【单选题】
The underlined word "accentuate" (Para. 3) most probably means "________".___
A. worsen
B. accelerate
C. relieve
D. improve
【单选题】
Why were cracks in old houses not a big concern?___
A. Because environmental protection was given top priority.
B. Because indoor cleanness was not emphasized.
C. Because they were technically unavoidable.
D. Because energy used to be inexpensive.
【单选题】
This passage is most probably taken from an article entitled "_________".___
A. Energy Conservation
B. Air Pollution Indoors
C. House Building Crisis
D. Traps in Building Construction
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【单选题】
在信贷资金总量一定的情况下，信贷资金周转速度、流动性、安全性、效益性的关系是___。
A. 周转速度快，流动性就越强，安全性就越能得保证。但效益性较差
B. 周转速度快，流动性就越强，安全性就差，效益性较差
C. 周转速度慢，流动性就越差，安全性也就越差，效益性较差
D. 周转速度慢，流动性就越差，安全性也就越好，效益性较好
【单选题】
以下措施不能提高商业银行经营流动性和安全性的是___。
A. 存贷款期限结构匹配
B. 提高存货周转速度
C. 提高应收账款的周转速度
D. 提高二级市场股票的换手频率
【单选题】
下列属于直接融资的行为有___。
A. 何某向工商银行借款100000 元专门用于其企业的工程结算
B. A 公司向B 公司投入资金8000000 元，并占有B 公司30%的股份
C. A 公司通过融资机构向B 公司借款600000 元
D. 何某通过金融机构借入资金120000 元
【单选题】
下列不属于借款申请需明确内容的是。___
A. 基本情况
B. 贷款品种
C. 贷款利率
D. 贷款金额
【单选题】
下列关于贷款种类说法，错误的是___
A. 按照贷款币种可分为人民币贷款和外币贷款
B. 按照贷款期限可分为短期贷款和中长期贷款
C. 按照贷款对象可分为生产企业贷款和外商投资企业贷款
D. 按照贷款利率可分为浮动利率贷款和固定利率贷款
【单选题】
下列不属于间接融资的行为有___。
A. 文小姐向银行借款10 万元专门用于其房屋装修
B. A 公司购入B 公司20%的股权，价值80 万元
C. 赵小姐春节期间通过信用卡透支了2 万元购买年货
D. 郑先生通过银行贷款购买了一辆车
【单选题】
调查的基本要求：熟知客户和客户的业务，取得必要的客户信息资料和信贷业务信息资料，并核实资料的___。
A. 真实性
B. 完成性
C. 可操作性
D. 全面性
【单选题】
商业银行在信贷过程中保持贷款种类和期限的多样化是为了保持信贷的___。
A. 效益性
B. 流动性
C. 安全性
D. 自主性
【单选题】
企业向银行借款属于____，发行债券、股票属于____。___
A. 直接融资；间接融资
B. 间接投资；直接投资
C. 间接融资；直接融资
D. 直接投资；间接投资
【单选题】
关于商业银行“安全性、流动性和效益性原则”的说法，不正确的是___。
A. 为了保证贷款的安全性，商业银行需要合理安排贷款的种类和期限
B. 在信贷资金总量一定的情况下，资金的周转速度加快，效益性相应较差
C. 在贷款规模一定的情况下，一般贷款期限越长，收益越大
D. 贷款期限越长，安全性越高
【单选题】
按贷款用途划分，公司信贷的种类不包括___
A. 基本建设贷款
B. 技术改造贷款
C. 流动资金贷款
D. 自营贷款
【单选题】
___是指特定产品要素组合下的信贷服务方式，主要包括贷款、担保、承兑、信用支持、保函、信用证和承诺等。
A. 交易对象
B. 信贷产品
C. 信贷金额
D. 信贷期限
【单选题】
银行市场细分是根据___差异对市场进行的划分。
A. 信贷产品
B. 卖方银行
C. 买方客户
D. 信贷市场
【单选题】
贷放分控是指银行业金融机构将___作为两个独立的业务环节。
A. 贷前申请与贷款审批
B. 贷款审批与贷款发放
C. 贷款发放与贷款清偿
D. 贷款申请与贷款清偿
【单选题】
除贷款外，商业银行的资金一般主要用于___。
A. 结算业务
B. 代理业务
C. 存款业务
D. 资金业务
【单选题】
___是银行在商业汇票上签章承诺按出票人指示到期付款的行为。
A. 承兑
B. 担保
C. 贷款
D. 公司信贷
【单选题】
在银行流动资金贷前调查报告中，借款人财务状况不包括___。
A. 流动资金数额和周转速度
B. 主要客户、供应商和分销渠道
C. 资产负债比率
D. 存货净值和周转速度
【单选题】
公司信贷的借款人指___
A. 经工商行政管理机关(或主管机关)核准登记的自然人
B. 经行政机关核准登记的企(事)业法人
C. 经行政机关核准登记的自然人
D. 经工商行政管理机关(或主管机关)核准登记的企(事)业法人
【单选题】
贷前调查中最常用、最重要的方法，同时也是在一般情况下必须采用的方法是___。
A. 现场调研
B. 搜寻调查
C. 委托调查
D. 突击检查
【单选题】
影响行业的外部因素不包括___
A. 国民经济
B. 外部经济
C. 国家政策
D. 企业自身规模效益
【单选题】
银行在对客户进行借款需求分析时，不需要关注的是___。
A. 企业的借款需求原因，即所借款项的用途
B. 企业的还款来源
C. 企业还款的可靠程度
D. 公司的治理结构
【单选题】
以下导致企业流动资产增加的因素不包括___。
A. 季节性销售增长
B. 长期销售增长
C. 资产效率下降
D. 债务重构
【单选题】
主营业务指标通常指主营业务收入占___的比重。
A. 营业额
B. 总资本
C. 全部利润
D. 销售收入总额
【单选题】
以下关于流动比率和企业资产的变现能力关系的说法中，正确的是___
A. 流动比率越高，说明企业资产的变现能力越强
B. 流动比率越高，说明企业资产的变现能力越弱
C. 流动比率越低，说明企业资产的变现能力越强
D. 流动比率与企业资产的变现能力没有关系
【单选题】
以下各项中不能反映应收账款的营运能力的是___。
A. 应收账款周转率
B. 应收账款回收期
C. 应收账款账龄
D. 应收账款余额
【单选题】
以下不属于所有者权益项目的是___
A. 未分配利润
B. 资本公积
C. 盈余公积
D. 流动资产
【单选题】
法人贷款业务，申请信贷业务的客户应当是经___核准登记的企业（事业）法人其他经济组织。
A. 工商行政管理机关（或主管机关）
B. 国税局
C. 人民银行
D. 农村信用社
【单选题】
下列因素与借款人的偿债能力无关的是___。
A. 盈利能力
B. 营运能力
C. 资本结构
D. 产品竞争力
【单选题】
下列关于资产负债率的论述中，错误的是___
A. 资产负债率=负债合计÷资产合计×100%
B. 资产负债率=资产合计÷负债合计×100%
C. 资产负债率反映项目各年负债水平、财务风险及偿债能力
D. 银行从债权安全的角度考虑，总希望借款人的负债水平低一点
【单选题】
下列公式中，不能反映存货周转速度的是___
A. 销货成本/平均存货余额×100%
B. 存货平均余额×计算期天数/销货成本
C. 计算期天数/存货周转次数
D. (期初存货余额+期末存货余额)/2
【单选题】
下列不属于资产负债表的基本内容的是___
A. 资产
B. 负债
C. 资本结构
D. 所有者权益
【单选题】
下列不属于企业财务状况风险的是___
A. 借款人在银行的存款有较大幅度下降
B. 应收账款异常增加
C. 流动资产占总资产比重下降
D. 短期负债增加适当，长期负债大量增加
【单选题】
所有者权益代表投资者对企业___所有权。
A. 全部资产
B. 全部负债
C. 净资产
D. 流动资产
【单选题】
商业银行对借款人最关心的就是其现在和未来的___。
A. 技术水平
B. 销售业绩
C. 偿债能力
D. 信息披露
【单选题】
一般企业贷款操作流程：___
A. 建立正式客户-评级-授信-申请贷款-发放贷款
B. 建立正式客户-授信-评级-申请贷款-发放贷款
C. 建立正式客户-申请贷款-评级-授信-发放贷款
D. 建立正式客户-申请贷款-授信-评级-发放贷款
【单选题】
借款人盈利能力的比率通过___反映。
A. 效率比率
B. 杠杆比率
C. 流动比率
D. 营业利润率
【单选题】
借款人还款能力的主要标志就是___。
A. 借款人的现金流量是否充足
B. 借款人的资产负债比率是否足够低
C. 借款人的管理水平是否很高
D. 借款人的销售收入和利润是否足够高
【单选题】
到的比率。___
A. 平均存货余额，销货收入
B. 销货收入，平均存货余额
C. 销货成本，平均存货余额
D. 平均存货余额，销货成本
【单选题】
反映客户长期偿债能力的比率是___
A. 流动比率
B. 资产负债率
C. 净利润率
D. 速动比率
