【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
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相关试题
【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
【单选题】
We need to plan ahead in order to ___________.___
A. keep a record of all the events
B. better organize our activities
C. store everything in our head
D. pile up little tasks neatly
【单选题】
Strategic times are best for us to ___________.___
A. save energy
B. check e-mails
C. study efficiently
D. organize activities
【单选题】
Which of the following could be used as a motivation to do our assignments?___
A. Remembering our urgent tasks.
B. Any activities we're eager to do.
C. Taking a break in the afternoon.
D. The promise to study efficiently.
【单选题】
What can help us to keep refreshed throughout the day?___
A. Doing some physical exercise.
B. Taking a short nap in the afternoon.
C. Rushing through some assignments.
D. Playing a game of chess with a friend.
【单选题】
Which of the following could be the best title for this article?___
A. Study Habits and Time Management
B. Business Management and Leadership
C. University Education and Campus Life
D. Life Goals and Academic Development
【单选题】
It is implied in the text that it is hard to ________.___
A. carry life learning though
B. tell the nature of life learning
C. learn without going to school
D. find a specially trained teacher
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【多选题】
43： 与个人支付相关的票据主要是___
A. 银行汇票
B. 银行本票
C. 支票
D. 商业汇票
【多选题】
45： 消费者有权要求银行就银行卡章程、领用协议、___安全用卡等做出解释和说明。
A. 计息政策
B. 收费标准
C. 收费项目
D. 授信
【多选题】
46： 对消费者未按期足额归还的透支款项，发卡银行有权对其进行催收的相关人员包括___。
A. 消费者本人
B. 担保人
C. 消费者的直系亲属
D. 消费者所在单位负责人
【多选题】
47： 发卡银行应按规定对其银行卡服务收费项目和收费标准进行公布，公布的渠道包括___。
A. 发卡银行官方网站
B. 发卡银行营业网点
C. 指定渠道
D. 逐一通知消费者
【多选题】
48： 为了确保消费者的资金安全，不要将借记卡与___一起存放。
【多选题】
49： 借记卡功能包括___。
A. 消费
B. 转账
C. 消费透支
D. 取现
【多选题】
50： 以下关于个人贷款消费者权利的表述中正确的是___
A. 消费者有权选择贷款银行
B. 消费者有权选择贷款产品
C. 消费者有权自主决定是否贷款
D. 消费者有权自主决定贷款利率
【多选题】
51： 个人贷款消费者有权按照借款合同约定，按以下___方式提前偿还借款。
A. 全部提前还款
B. 部分提前还款
C. 不得全部提前还款
D. 不得部分提前还款
【多选题】
53： 消费者可通过银行的哪些业务渠道查询本人储蓄账户变动情况___
A. 营业网点
B. ATM机
C. 电子银行
D. 客服热线等
【多选题】
54： 作为理财销售人员，禁止以下销售行为___
A. 将理财产品当作一般储蓄产品，进行大众化推销
B. 指导客户区分理财产品与基金产品
C. 误导消费者购买与其风险认知和承受能力不相符的理财产品
D. 有意隐瞒或歪曲理财产品重要风险信息等
【多选题】
55： 理财产品并不等同于一般存款产品，主要风险包括___
A. 认购风险
B. 政策风险
C. 流动性风险
D. 赎回风险
【多选题】
56： 按照投资方向分类，银行理财产品可分为___
A. 固定收益类
B. 现金管理类
C. 结构性产品
D. 代客境外理财类
【多选题】
57： 银行给网上银行消费者的风险提示包括以下___方面。
A. 牢记银行门户网站的网址，选择安全登录方式。
B. 确保登录网上银行的电脑安全可靠。
C. 以“不易被猜中”的原则设置网银相关密码。
D. 不向除银行工作人员以外任何人透露网银证书保护密码、登录密码及账户密码等消费者自设密码。
【多选题】
58： 以下属于银行营业网点服务突发事件的是___
A. 业务系统故障；
B. 网点客流激增；
C. 客户突发疾病；
D. 干扰他人或不合理占用银行资源的行为；
E. 客户投诉；
【多选题】
59： 以下不属于服务突发事件应急处理原则的是___：
A. 快速有效
B. 及时报告
C. 保护消费者和员工生命财产安全
D. 保护金融机构权益
E. 避免媒体报道
【多选题】
60： 以下属于重大服务突发事件（Ⅱ级）的是___：
A. 单个营业网点受自然灾害破坏
B. 单个营业网点业务系统故障
C. 抢劫客户财产等服务突发事件
D. 客户在营业网点突发疾病
【多选题】
1：金燕借记卡按介质分为___。
A. 磁条卡
B. 信用卡
C. 纯芯片卡
D. 芯片磁条复合卡
【多选题】
3：银行卡风险一类事件是指___。
A. 空白成品卡丢失50张以上
B. 受理机具被侧录致使银行卡账户信息泄露10张以上
C. 特约商户发生涉嫌欺诈交易金额20万元以上
D. 本行布放的自助设备发生爆炸、抢动、盗窃等案件
E. 在社会上造成重大负面影响，涉及两个或两个以上市的银行卡风险事件
【多选题】
4:持卡人单日内交易密码连续错误次数达到( )次(不分渠道)，所有验证交易密码的渠道锁定，第二天自动解锁。若交易密码错误总次数达到( )次，持卡人只能办理密码挂失手续。___
【多选题】
5：卡片要定期、不定期的进行账、卡核对，保证___。
A. 账实相符
B. 账簿相符
C. 账账相符
D. 账表相符
【多选题】
6：IC卡电子现金的特点是___。
A. 不计息
B. 不挂失
C. 交易时不校验密码
D. 无需签名确认
【多选题】
7：对不需要验证卡片的业务，根据挂失时对账户控制的选择不同分为___
A. 全封闭
B. 只出不进
C. 只进不出
D. 不控制
【多选题】
8：电子现金账户的来源有___
A. 现金充值
B. 补登圈存
C. 指定账户圈存
D. 非指定账户圈存
E. 自动圈存
【多选题】
1：济源农村商业银行收单业务实行___的经营管理原则。
A. 联网通用
B. 收益第一
C. 直联模式
D. 规模与质量并重
【多选题】
2：收单行发展特约商户的基本条件有___。
A. 经工商行政管理机关(或主管机关)核准登记，依法经营，有良好的商业信誉
B. 在收单行有存款
C. 在收单行开立对公结算帐户
D. 在收单行有贷款
【多选题】
3：要求新增特约商户必须向收单行提交的材料有___。
A. 营业执照
B. 税务登记证
C. 法人代表身份证复印件
D. 新增特约商户表
E. 房屋租赁协议
【多选题】
4：收单行应设置___以对特约商户进行更好的风险控制和提供更好的金融服务。
A. 收单业务员
B. 风险管理岗
C. 机具管理员
D. 客户经理岗
【多选题】
5：特约商户退出包括___。
A. 不正当竞争退出
B. 主动退出
C. 强制退出
D. 因停业、破产等其他原因
【多选题】
6：特约商户出现下列情况之一的，收单行需立即书面通知特约商户强制解除协议，收回POS机具，并保留对风险损失的追索权利___。
A. 多次出现违规操作，经指出拒不纠正的
B. 存在欺诈行为或虚假交易的；发生套现 洗单的
C. 侧录 泄露账户及交易信息的
D. 三个月未发生有效消费交易的
E. 多次无故拒绝受理银联卡，经指证拒不改正的
F. 屡次无理拒绝或故意拖延收单行查询查复业务和调单要求的
G. 多次受到他行投诉 无法妥善处理相关问题的
【多选题】
8：以下商户禁止发展收单业务___
A. 非法设立的经营组织
B. 我国法律禁止的赌博及博彩类 出售违禁药品 毒品 黄色出版物 军火弹药等其它与我国法律 法规相抵触的商户
C. 涉嫌违规套现 非法洗钱或隐藏目前实际经营业态 故意套用其他行业分类代码的商户
D. 注册地及经营场所不在收单行所在地的商户
E. 存在实际经营范围与营业执照经营范围不符
F. 存在违反国家法律法规或相关行业管理规定，被有关机构查处 被司法机关立案或介入调查
G. 商户或商户负责人被中国银联列入不良信息系统
H. 被其他机构或组织列入“高风险客户”
【多选题】
9：收单行对目标商户进行现场调查的内容包括___。
A. 营业场所
B. 资信记录 财务状况
C. 拍摄实地照片
D. 经营状况
【多选题】
1：手机银行贴膜卡用户手机如果不慎遗失，如何办理挂失？___
A. 致电银行客服进行口头挂失
B. 携带有效证件到银行柜面挂失
C. 挂失绑定的手机号码
【多选题】
2：手机银行贴膜卡绑定的账号如果需要修改，需要携带什么有效文件及证件前往柜面办理？___
A. 持卡人身份证
B. 户口本
C. 银行卡
D. 手机银行贴膜卡
【多选题】
3：因为手机型号系统设计不同，首次使用手机银行的时候可以在手机那些地方找到？___
A. 应用程序->XXX手机银行
B. 应用程序->安装->SIM卡应用
C. 设置->个人及安全->SIM卡应用/SIM卡菜单
D. 主菜单->设置->电话->SIM卡应用
【多选题】
和别人说话时，得体的表现是___
A. 直直地盯着对方的眼睛
B. 面含微笑，不时地看着对方的眼睛
C. 边听对方说话手里边忙着其他事情
D. 在对方说话的时候，把重要内容简短的记录下来
【多选题】
1：个人客户办理网上银行业务须本人持有效身份证件和注册账户原件(金燕卡)及复印件。有效身份证件包括___或者其它有效旅行证件护照。
A. 居民身份证(临时身份证)
B. 军人身份证
C. 武装警察身份证件
D. 港澳居民往来内地通行证
E. 台湾居民来往大陆通行证
【多选题】
2：企业客户办理网上银行业务须持有效文件原件及复印件和其他相关材料。有效文件包括在河南省农村信用社营业网点开立结算账户的基本账户___原件及复印件等。
A. 开户许可证
B. 事业单位法人证书
C. 组织机构代码证
D. 营业执照
【多选题】
3：凡已在河南省农村信用社开立结算账户的___均可申请网上银行业务服务。
【多选题】
4：个人网上银行系统以___作为校验个人注册客户登录身份的依据。
A. 账号或昵称
B. 登录密码
C. 数字证书
D. 证书密码
E. 动态口令
