2022银行综合押题密卷3

卷面总分:100分
答题时间:120分钟
题量:100题
题型:单选题, 不定项选择题
试卷简介: 2022银行综合押题密卷3, 此试卷为参加"综合知识"的考生提供的"2022银行综合押题密卷3"的答案和解析。

试题预览

1 多选题 1分
During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."

That pain of earning and losing money is a feeling that public schools increasingly want to teach.Forty states now offer some type of financial instruction at the high-school level,teaching students how to balance checkbooks and buy stock in math and social-studies classes.Though it's too early to measure the full influence of the Great Recession,the interest in personal-finance classes has risen since 2007 when bank failures started to occur regularly.Now,many states including Missouri,Utah,and Tennessee require teenagers to take financial classes to graduate from high school.School districts such as Chicago are encouraging money-management classes for kids as young as primary school,and about 300 colleges or universities now offer online personal-finance classes for incoming students."These classes really say,'This is how you live independently,'"says Ted Beck,president of National Endowment for Financial Education.
Rather than teach investment methods or financial skills,these courses offer a back-to-the-basics approach to handling money:Don't spend what you don't have.Put part of your monthly salary into a savings account,and invest in the stock market for the long-term rather than short-term gains.For Ray,this means dividing her earnings from her part-time job at a fast-food restaurant into separate envelopes for paying bills,spending and saving."Money is so hard to make but so easy to spend,"she says one weekday after school."That is the big takeaway."
Teaching kids about the value of cash certainly is one of the programs'goals,but teachers also want students to think hard about their finances long term.It's easy for teenagers to get annoyed about gas prices because many of them drive cars.But the hard part is urging them to put off the instant satisfaction of buying a new T-shirt or an iPod."Investing and retirement aren't things teenagers are thinking about.For them,the future is this weekend,"says Gayle Whitefield,a business and marketing teacher at Uth’s Riverton High School.
That’s a big goal for these classes:preventing kids from making the same financial missteps their parents did when it comes to saving,spending,and debt.Though the personal savings rate has increased up to 4.2 percent,that’s still a far distance from 1982,when Americans saved 11.2 percent of their incomes.“It’s hard for schools to reach strict money-management skills when teenagers go home and watch their parents increase credit-card debt.It’s like telling your kids not to smoke and then lighting up a cigarette in front of them,”Beck says.
Even with these challenges,students such as Ray say learning about money in school is worthwhile.After Ray finished her financial class,she opened up a savings account at her local bank and started to think more about how she and her family would pay for college.“She just has a better understanding of money and how it affects the world,”says her mother,Darleen-and that’s sown to the details of how money is spent from daily expenses to various taxes.All of this talk of money can make Ray worry,she says,but luckily,she feels prepared to face it.

How does the writer show us that schools’interest in teaching financial classes has increased in paragraph 2?
  • A.By giving examples.
  • B.By providing data.
  • C.By raising questions.
  • D.By making comparisons
2 多选题 1分
Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.
But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.
Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.
Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."
However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.
In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What is the finding of the Global Humanitarian Forum?
  • A.Global temperatures affect the rate of economic development.
  • B.Rates of death from illnesses have risen due to global warming.
  • C.Malnutrition has caused serious health problems in poor countries.
  • D.onomic trends have to do with population and natural disasters.
3 多选题 1分
Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.
But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.
Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.
Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."
However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.
In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What do we learn about the Forum's report from the passage?
  • A.It was challenged by some climate and risk experts.
  • B.It aroused a lot of interest in the scientific circles.
  • C.It was warmly received by environmentalists.
  • D.It caused a big stir in developing countries.
4 多选题 1分
Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.
But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.
Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.
Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."
However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.
In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What does Dr.Pielke say about the Forum’s report?
  • A.Its statistics look embarrassing.
  • B.It is invalid in terms of methodology.
  • C.It deserves our closest attention.
  • D.Its conclusion is purposely exaggerated.
5 多选题 1分
Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
The report,to be released Friday,analyzed data and existing studies of health,disaster,population and economic trends.It found that human-influenced climate change was raising the global death rates from illnesses including malnutrition and heat-related health problems.
But even before its release,the report drew criticism from some experts on climate and risk,who questioned its methods and conclusions.
Along with the deaths,the report said that the lives of 325 million people,primarily in poor countries,were being seriously affected by climate change.It projected that the number would double by 2030.
Roger Pielke Jr.,a political scientist at the University of Colorado,Boulder,who studies disaster trends,said the Forum's report was"a methodological embarrassment"because there was no way to distinguish deaths or economic losses related to human-driven global warming amid the much larger losses resulting from the growth in populations and economic development in vulnerable regions.Dr.Pielke said that“climate change is an important problem requiring our utmost attention.”But the report,he said,"will harm the cause for action on both climate change and disasters because it is so deeply flawed."
However,Soren Andreasen,a social scientist at Dalberg Global Development Partners who supervised the writing of the report,defended it,saying that it was clear that the numbers were rough estimates.He said the report was aimed at world leaders,who will meet in Copenhagen in December to negotiate a new international climate treaty.
In a press release describing the report,Mr.Annan stressed the need for the negotiations to focus on increasing the flow of money from rich to poor regions to help reduce their vulnerability to climate hazards while still curbing the emissions of the heat-trapping gases.More than 90%of the human and economic losses from climate change are occurring in poor countries,according to the report.

What is Soren Andreasen's view of the report?
  • A.Its conclusions are based on carefully collected data.
  • B.It is vulnerable to criticism if the statistics are closely examined.
  • C.It will give rise to heated discussions at the Copenhagen conference.
  • D.Its rough estimates are meant to draw the attention of world leaders.