【单选题】
Q4: How will the new high-speed train affect the man?___
A. He can take the train to the old part of the city .
B. He can save a lot of money when he takes the train .
C. He can save 20 minutes to go to work with the train .
D. He can take the train to the airport instead of driving .
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相关试题
【单选题】
Q1: How much time on average do Americans spend on their way to work?___
A. About an hour .
B. More than an hour .
C. About half an hour .
D. More than one and a half hours .
【单选题】
Q2: What is the present situation about Americans’ commuting to work?___
A. More and more Americans spend over an hour getting to work .
B. Over 10 percent of Americans spend less than an hour getting to work .
C. Only New York people spend more than 90 minutes getting to work .
D. Over 10 percent of Americans spend more than 90 minutes getting to work .
【单选题】
Q3: Why does Steven choose to have an extreme commute?___
A. Because gas prices are not high .
B. Because the commute is not tiring .
C. Because he can attend a better school .
D. Because he can have his favorite lifestyle .
【单选题】
Q4: Which of the following is the disadvantage of long commutes?___
A. Traffic jams .
B. Expensive housing .
C. Poorer life quality .
D. A tiring and boring trip .
【单选题】
Q1: What did Katy like about Jason’s last Halloween party?___
A. She liked playing an interesting game .
B. She enjoyed seeing many of her old friends .
C. She enjoyed wearing her Halloween costume .
D. She liked the decorations in Jason's front yard .
【单选题】
Q2: What is the actual reason that Katy doesn’t want to attend Jason’s party?___
A. None of her friends likes Jason .
B. None of Jason's guests is young .
C. She wants to go to Linda's party ..
D. She went to Jason's party last year .
【单选题】
Q3: What is special about Linda’s party?___
A. The party will last four hours .
B. Six people will attend the party .
C. They will have huge bags of candy .
D. They will play a new game called "GuessWho ".
【单选题】
Q4: What will Katy do to solve her problem?___
A. Go to Jason's party .
B. Go to Linda's party .
C. Attend both Jason's and Linda's parties .
D. Celebrate Halloween with her parents .
【单选题】
Q1: What is special about this year’s Black Friday shopping?___
A. Some stores offered bigger holiday discounts .
B. Some stores provided more choices of nightlife.
C. Some stores made efforts to attract young people .
D. Some stores opened much earlier than they used to .
【单选题】
Q2: Why did some stores open at midnight on Thanksgiving night?___
A. To attract young customers .
B. To beat other stores for sale.
C. To let people sleep late the next day .
D. To keep people stay up for the night .
【单选题】
Q3: How many Black Friday shoppers were reported to go to the shops at midnight this year?___
A. 24 percent .
B. 37 percent .
C. 9.5 percent .
D. 23.5 percent .
【单选题】
Q4: What can we learn about the 15-year-old Jenny?___
A. She and her cousins went back home at midnight .
B. She liked the traditional 4 a.m. Black Friday.
C. She preferred midnight shopping to early morning shopping .
D. She and her cousins got up very early to buy discounted items .
【单选题】
Q1: Why did the woman decide to do a triathlon?___
A. Because she did it in college .
B. Because she wanted to be tough .
C. Because her sister did it and liked it .
D. Because her sister said it was good for her .
【单选题】
Q2: When did the man first do a triathlon?___
A. Last year .
B. In college .
C. Last week .
D. In high school .
【单选题】
Q3: How does the man feel about running?___
A. Boring.
B. Scaring .
C. Exciting .
D. Interesting .
【单选题】
Q4: Why doesn’t the woman like swimming in the triathlon?___
A. Because she fears that a big fish might eat her .
B. Because she fears that she would get lost in lakes .
C. Because she doesn't want to scare away small fishes .
D. Because she doesn't like swimming with many people .
【单选题】
Q1: What is the ratio of positive to negative emotions that can make a person happier?___
A. 1:3.
B. 3 :1.
C. 1 :10 .
D. 10 :1.
【单选题】
Q2: What is the most exciting finding about increasing positive emotions?___
A. It improves relationships .
B. It leads to greater success .
C. It helps develop creativity .
D. It contributes to good health .
【单选题】
Q3: What does the speaker say about negative feelings?___
A. People should turn every negative feeling around .
B. Negative feelings can sometimes have positive effects .
C. Negative feelings often cause people to make mistakes .
D. People should never show negative feelings in public places .
【单选题】
Q4: What is the main idea of the passage?___
A. People should learn to manage their emotions .
B. People should be patient with their negative feelings .
C. People should learn to analyze causes of unhappiness .
D. People should identify as many positive feelings as possible .
【单选题】
Q1: What are the man and woman talking about?___
A. Whether nature is magical and kind .
B. Whether nature is powerful and full of risks .
C. Whether Christopher was well prepared for the trip .
D. Whether Christopher's trip to Alaska was worthwhile .
【单选题】
Q2: What can we learn about Christopher?___
A. He made a film about his trip to Alaska .
B. He wrote a story about his trip to Alaska .
C. He died while having an adventure in Alaska .
D. He learned how powerful and risky Alaska was .
【单选题】
Q3: What does the woman think about Christopher taking the trip to Alaska?___
A. He was too foolish .
B. He was really romantic .
C. He had a very kind heart .
D. He had a spirit for trying things .
【单选题】
Q4: Which of the following is NOT mentioned as something that would have saved Christopher’s life?___
A. A gun to hunt .
B. The map of the area .
C. Emergency food supplies .
D.
E. mergency communication equipment .
【单选题】
Q1: What speed can an avalanche reach within five seconds of taking off?___
A. At 8 miles an hour .
B. At 18 miles an hour .
C. At 80 miles an hour .
D. At 88 miles an hour .
【单选题】
Q2: According to the passage, under what circumstances may an avalanche occur?___
A. There are too many layers of snow on the .
B. There is a layer of snow covering an entire area .
C. The top layer of snow slides off the layer below it .
D. The layer of snow below the surface becomes unstable .
【单选题】
Q3: What are skiers advised to do to avoid being caught in an avalanche?___
A. Ski only in the official ski areas .
B. Look for solid snow to walk on .
C. Look out for each other while skiing .
D. Learn to control themselves in an avalanche .
【单选题】
Q4: Why does the ski patrol use explosives?___
A. To dig holes in the snow .
B. To close the area for skiing .
C. To make an avalanche move on purpose .
D. To' check how different layers are holding up .
【单选题】
Q1:What is conversation mainly about?___
A. The woman's happy college life the man's doubt .
B. The woman's spending habits and the man's concerns .
C. The man's reminding the woman of the exam this Thursday .
D. The man's support for the woman over the past 15 years .
【单选题】
Q2:What did the woman do last night?___
A. She bought a new leather coat .
B. She studied very hard for an exam .
C. She treated all her friends to dinner .
D. She went to a concert with her friends .
【单选题】
Q3:Where did the woman get the money?___
A. She just received her student loan .
B. She saved some money for herself .
C. She borrowed the money from her friends .
D. She asked her mom to send her the money .
【单选题】
Q4:What is the man?___
A. A teacher of biology .
B. An undergraduate student .
C. A freshman in biology class .
D. A graduate teaching assistant .
【单选题】
Q1: What is this passage mainly about?___
A. How businesses can compete with each other .
B. How small businesses operate during holidays .
C. How small businesses manage holiday workers .
D. How can earn more money during holidays .
【单选题】
Q2: According to Rubin, what can small companies do to thank holiday workers?___
A. Have talks with their families .
B. Give them good extra benefits .
C. Offer them expensive holiday tokens .
D. Show appreciation to them face to face .
【单选题】
Q3: What can small business owners do to help holiday workers get into the holiday spirit?___
A. Entertain them with big meals .
B. Let them enjoy some holiday games .
C. Give them handmade thank-you cards .
D. Send their families some holiday gift cards .
【单选题】
Q4: Who are supposed to benefit most from this passage?___
A. Workers who have to work during holidays .
B. Employees who intend to earn extra money .
C. Big companies that usually close on holidays .
D. Small businesses that try to be more competitive .
【单选题】
In the first two paragraphs of the passage the writer tries to tell us that___
A. he had lived in Washington D.C. for twenty years
B. he was very imaginative when he was a child
C. he had fond memories of his old neighborhood
D. )he had come from a very poor neighborhood
【单选题】
The writer ,as a child ,was very fond of playing in the basement because ___
A. it was bright and alive
B. it contained a movie house and a space station
C. it was ideal for playing hide-and-seek
D. it was surrounded by trees and flowers
【单选题】
How did the writer feel when he visited his old neighborhood in Washington D.C. ?___
A. Greatly surprised .
B. Very regretful .
C. Quite excited .
D. Very sad .
【单选题】
On his visit to his hometown ,the writer found the old apartment building___
A. see medunfit to live in
B. had been repaired
C. could hardly be recognized
D. looked dirty and smelt horrible
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【单选题】
根据《商业银行集团客户授信业务风险管理指引》，对于集团客户内部直接控股或间接控股关联方之间互相担保，商业银行应当严格审核其______，并严格控制。___
A. 资信情况
B. 经营情况
C. 财务情况
D. 管理情况
【单选题】
按照《商业银行集团客户授信业务风险管理指引》规定，超过风险承受能力是指一家商业银行对单一集团客户授信总额超过商业银行资本余额______以上或商业银行视为超过其风险承受能力的其他情况。___
A. 0.1
B. 0.15
C. 0.2
D. 0.25
【单选题】
按照《商业银行集团客户授信业务风险管理指引》（中国银监会令2010年第4号）规定，商业银行在对集团客户授信时，应当在授信协议中约定，要求集团客户及时报告被授信人净资产_______以上关联交易的情况。___
A. 0.1
B. 0.15
C. 0.2
D. 0.25
【单选题】
按照《商业银行集团客户授信业务风险管理指引》（中国银监会令2010年第4号）规定，集团客户授信业务风险是指由于_______等情况，导致商业银行不能按时收回由于授信产生的贷款本金及利息，或给商业银行带来其他损失的可能性。___
A. 商业银行对集团客户多头授信、过度授信和不适当分配授信额度
B. 集团客户经营不善
C. 集团客户通过关联交易、资产重组等手段在内部关联方之间不按公允价格原则转移资产或利润
D. 以上都对
【单选题】
按照《商业银行集团客户授信业务风险管理指引》（中国银监会令2010年第4号）规定，商业银行应当与信誉好的会计师事务所、律师事务所等中介机构建立稳定的业务合作关系，必要时应当要求授信对象出具经_______认可的中介机构的相关意见。___
A. 银监会
B. 人民银行
C. 商业银行
D. 财政部
【单选题】
按照《商业银行集团客户授信业务风险管理指引》（中国银监会令2010年第4号）规定，以下_______不是商业银行对集团客户授信应当遵循的原则。___
A. 统一原则
B. 全面原则
C. 适度原则
D. 预警原则
【单选题】
以下不属于《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》（银监办发[2014]40号）对银行业金融机构的要求是_______。___
A. 完善绩效考核机制
B. 落实贷款管理制度
C. 开展违规贷款风险排查
D. 加强贷款精细化管理，重点关注抵质押品等第二还款来源的质量
【单选题】
根据《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》（银监办发[2014]40号），监管部门要加强对违规放贷问题的监督检查，以下措施不属于监管部门对风险突出、问题严重的机构采取监管强制措施的是_______。___
A. 暂停准入
B. 限制业务
C. 调整监管评级
D. 取消高管任职资格
【单选题】
按照《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，银行应建立信贷人员专项考评体系，把防范违规放贷风险与个人薪酬、职级变动等挂钩，调动信贷人员防范违规放贷的_______。___
A. 主动性
B. 积极性
C. 创造性
D. 以上都是
【单选题】
按照《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，银行应重点关注客户还款意愿和第一还款来源，减少质押品等第二还款来源的依赖，防止银行信贷业务“_______”。___
A. 偏离化
B. 典当化
C. 共性化
D. 以上都是
【单选题】
按照《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，银行业金融机构在开展违规放贷风险排查中，发现涉嫌违法犯罪的，应及时向_______报案。___
A. 纪检部门
B. 当地银监部门
C. 当地检察机关
D. 当地公安机关
【单选题】
按照《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，对直接参与或指使违规放贷的高级管理人员，按_______处理。___
【单选题】
按照《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，对故意违规放贷造成重大风险和案件的直接责任人，按_______处理___
【单选题】
2010年3月30日，X银行客户经理王某在办理一笔60万元按揭贷款业务时，因贷款人张某出差，无法签订借款合同。经双方协商，张某让其家人代签，并将贷款授权书通过传真方式给王某。王某为其办理了合同签定、贷款发放等手续。依据《中国银监会办公厅关于加强信贷管理严禁违规放贷的通知》规定，该客户经理违反了哪项规定。_________
A. A 未履行合同面签制度
B. B 超权限审批
C. C 员工参与客户编造虚假材料
D. D 以上都具备
【单选题】
按照《中国银监会关于完善和创新小微企业贷款服务提高小微企业金融服务水平的通知》规定，银行业金融机构要加强对续贷业务的内部控制，在信贷系统中 续贷贷款。___
A. 单独设立
B. 单独标识
C. 单独监测
D. 单独分析
【单选题】
按照《中国银监会关于完善和创新小微企业贷款服务提高小微企业金融服务水平的通知》规定，鼓励银行业金融机构积极开发符合小微企业资金需求特点的______贷款产品，科学运用循环贷款、年审制贷款等便利借款人的业务品种，合理采取分期偿还贷款本金等更为灵活的还款方式，减轻小微企业还款压力。___
A. 个人消费
B. 固定资产采购
C. 流动资金
D. 投资资金
【单选题】
受区域经济下行影响，近年大新银行某县域支行互助担保基金类小微企业普遍存在帐期延长、资金紧张问题。为减轻小微企业还款压力，根据《关于完善和创新小微企业贷款服务提高小微企业金融服务水平的通知》，该县域支行的下列做法不符合规定的是_________
A. 对符合条件企业办理续贷
B. 运用循环贷款、年审制贷款等便利借款人的业务品种
C. 采取分期偿还贷款本金的还款方式
D. 减免部分企业贷款本息
【单选题】
根据《关于完善和创新小微企业贷款服务提高小微企业金融服务水平的通知》，大新银行在设定D小微企业流动资金贷款续贷期银时，应综合考虑该企业生产经营、风险状况等综合情况，以避免贷款期限与小微企业______不匹配___
A. 生产经营周期
B. 规模
C. 存续期
D. 经营利润
【单选题】
按照《商业银行服务价格管理办法》的规定，对客户普遍使用、与国民经济发展和人民生活关系重大的银行基础服务， 实行 。___
A. 管制
B. 开放
C. 政府指导价或政府定价
D. 市场价格
【单选题】
按照《商业银行服务价格管理办法》规定，商业银行关于服务价格信息的公示涉及优惠措施的，应当明确标注优惠措施的 。___
A. 适用范围
B. 优惠期限
C. 生效和终止日期
D. 优惠幅度
【单选题】
按照《商业银行服务价格管理办法》规定，商业银行提高实行市场调节价的服务价格，应当至少于实行前 个月按照本办法规定进行公示。___
【单选题】
按照《商业银行服务价格管理办法》规定，商业银行应当按照审慎经营原则，建立健全 和内部控制机制，建立清晰的服务价格制定、调整和信息披露流程，严格执行内部授权管理。___
A. 服务价格管理制度
B. 服务价格监督制度
C. 服务价格控制制度
D. 服务价格调节制度
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按照《中国银监会办公厅关于商业银行开展代理销售基金和保险产品相关业务风险提示的通知》规定，商业银行应对已签定和拟签定合作协议的基金管理公司和保险公司进行严格的＿＿＿，审慎选择合作伙伴，停止或拒绝与存在违规行为的机构合作。___
A. 尽职调查
B. 资格审查
C. 考核评估
D. 责任认定
【单选题】
按照《中国银监会办公厅关于商业银行开展代理销售基金和保险产品相关业务风险提示的通知》规定，商业银行应按照“了解你的客户”原则，对客户的财务状况、风险认知和承受能力等进行充分了解和评估，明确告知客户代销业务中商业银行与基金管理公司或保险公司法律责任的界定，要求客户＿＿＿所购买的产品出现问题时应与产品设计机构进行沟通或投诉。___
A. 当面确认
B. 书面确认
C. 口头确认
D. 电话确认
【单选题】
A商业银行拟与B基金管理公司合作开展代理销售基金业务。依据《中国银监会办公厅关于商业银行开展代理销售基金和保险产品相关业务风险提示的通知》的规定，在签订合作协议前，A银行应进行 ，审慎选择。___
A. 筛选
B. 尽职调查
C. 风险测试
D. 效益分析
【单选题】
A银行代理的某保险产品在短时间内接到了客户较多的投诉。依据《中国银监会办公厅关于商业银行开展代理销售基金和保险产品相关业务风险提示的通知》的规定，A银行应当 。___
A. 无视投诉
B. 由于是代理销售，要求客户寻求保险公司解决
C. 应及时、主动与设计产品保险公司沟通协商，共同制定切实有效的解决措施，避免损害客户利益
D. 要求客户自担风险
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，以下关于个人理财业务说法正确的是＿＿＿。___
A. 在理财顾问服务活动中，客户承担收益，风险由商业银行独自承担
B. 按照客户获取收益方式的不同，理财计划可以分为保本浮动收益理财计划和非保本浮动收益理财计划
C. 保本浮动收益理财计划是指商业银行按照约定条件向客户保证本金支付，本金以外的投资风险由客户承担，并依据实际投资收益情况确定客户实际收益的理财计划
D. 商业银行为销售储蓄存款产品进行的产品介绍、宣传和推介等一般性业务咨询活动，属于理财顾问服务
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，下列有关保证收益理财计划的说法正确的是＿＿＿。___
A. 商业银行向客户承诺支付固定收益
B. 商业向客户承诺浮动收益
C. 投资风险由客户单独承担
D. 商业银行可以无条件向客户承诺高于同期储蓄存款利率的保证收益率。
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，商业银行应按＿＿＿准备理财计划各投资工具的财务报表、市场表现情况及相关材料，相关客户有权查询或要求商业银行向其提供上述信息。___
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，以下关于商业银行理财计划说法错误的是＿＿＿。___
A. 资金成本独立测算
B. 资金收益独立测算
C. 商业银行可销售收益率为零的理财计划
D. 商业银行不能销售收益率为零的理财计划
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，＿＿＿开办需要批准的个人理财业务，应由其法人统一向中国银行业监督管理委员会申请，由中国银行业监督管理委员会审批。___
A. 国有大型银行
B. 外商独资银行
C. 城市商业银行
D. 农村商业银行
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，商业银行开展个人理财业务，银行业监督管理机构不宜按照《中华人民共和国银行业监督管理法》第四十七条的规定和《金融违法行为处罚办法》的相关规定，对直接负责的董事、高级管理人员和其他直接责任人员进行处理的是＿＿＿。___
A. 违规开展个人理财业务造成银行或客户重大经济损失的
B. 泄露或不当使用客户个人资料和交易信息记录造成严重后果的
C. 挪用单独管理的客户资产的
D. 提供虚假的成本收益分析报告或风险收益预测数据的
【单选题】
按照《商业银行个人理财业务管理暂行办法》规定，商业银行开展个人理财业务，银行业监督管理机构不宜按照《中华人民共和国银行业监督管理法》的规定实施处罚的是＿＿＿。___
A. 违反规定销售未经批准的理财计划或产品的
B. 未按规定进行风险揭示和信息披露的
C. 未按规定进行客户评估的
D. 挪用单独管理的客户资产的
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构开展信贷资产转让及信贷资产类理财业务时，应严格遵守国家法律、法规和相关监管规章的规定，健全并严格执行相应的＿＿＿和内部操作规程。___
A. 风险管理制度
B. 内部定价制度
C. 贷款管理制度
D. 授权管理制度
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构开展信贷资产转让及信贷资产类理财业务时，应保证信贷资产（含贷款和票据融资）是＿＿＿、可转让的，以合法有效地进行转让或投资。___
A. 清洁的
B. 确定的
C. 无风险的
D. 有保障的
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构在进行信贷资产转让时，应严格遵守资产转让＿＿＿。___
A. 安全性原则
B. 可靠性原则
C. 盈利性原则
D. 真实性原则
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构在进行信贷资产转让时，转出方将信用风险、市场风险和流动性风险等＿＿＿给转入方后，方可将信贷资产移出资产负债表，转入方应同时将信贷资产作为自己的＿＿＿资产进行管理。___
A. 完全转移，表外
B. 部分转移，表外
C. 部分转移，表内
D. 完全转移，表内
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构在进行信贷资产转让时，转出方和转入方应做到衔接一致，相关风险承担在任何时点上均不得落空，转入方应按相应权重计算＿＿＿，计提必要的风险拨备。___
A. 风险资产
B. 加权资产
C. 信贷资产
D. 投资资产
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，银行业金融机构在进行信贷资产转让时，转出方和转入方应做到衔接一致，相关风险承担在任何时点上均不得落空，转入方应按相应权重计算风险资产，计提必要的＿＿＿。___
A. 损失准备
B. 风险拨备
C. 一般准备
D. 准备金
【单选题】
按照《中国银监会关于规范信贷资产转让及信贷资产类理财业务有关事项的通知》规定，在进行信贷资产转让时，＿＿＿资产转让双方签订回购协议、即期买断加远期回购协议等方式回购资产。___
A. 允许
B. 禁止
C. 个别允许
D. 支持
