财经类

Mocha Monkeys Coffee ( ) very quickly because of its cheap prices and unique drinks. (a) expands(b) are expanding(c) is expanding(d) to expand

所有者权益包括
A.实收资本 B.未分配利润 C.资本公积 D.盈余公积

即使社会努力提供了机会均等的制度，人们还是会在初次分配中形成收入差距，由于在市场经济中资本也要取得报酬，拥有资本的人还可以通过拥有资本来获取报酬，就更加拉大了初次分配中的收入差距，所以当采用市场经济体制后，为了缩小收入分配差距，就必须通过由国家主导的再分配过程来缩小初次分配中所形成的差距；否则，就会由于收入分配差距过大，形成社会阶层的过度分化和冲突，导致生产过剩的矛盾。这段文字主要谈论的是：（）
A．收入均衡难以实现B．再分配过程必不可少C．分配差距源于制度D．收入分配体制必须改革

分布式能源，是一种新型的建于用户当地或附近的发电系统，可产生电能及其他形式能量，并优先满足当地用户需求，且由用户来管理支配。根据上述定义，下列选项中属于分布式能源的是
A.葛洲坝水电枢纽发电满足附近省市用电需求　　B.某核电站生产的电能并入了国家电网C.某农户将自家化粪池产生的沼气用于照明　　D.西部地区某乡建风电站发电用于本村生产生活

受限于资产证券化的发展进程，在我国，影子银行主要以哪些形式出现？（）。
A.理财产品B.民间借贷C.信托贷款D.私募基金

经调查，发现富洲石化之前在诺鑫银行有一笔不良贷款。富洲石化目前有偿还贷款本息的能力，但是，因为项目问题出现了一些对偿还不利的影响因素。那么这笔贷款应该是以下哪类贷款？（）
A.关注类B.损失类C.正常类D.次级类

We can understand your strong desire _______ the agreement at the earliest possible date.( (A)finalize (B)to finalize (C)finalizes (D)finalized

Questions 76-80 refer to the following information.Disagreements among economists are legendary, but not on the issue of free trade. A recent survey of prominent economists both conservative and liberal concluded that an economist who argues for restricting international trade is almost as common today as a physician who favors leeching.Why the International free trade, economists agree,, makes possible higher standards of living all over the globe.The case for free trade rests largely on this principle: as long as trade is voluntary, both partners’ benefits, otherwise they wouldn't trade. The buyer of a shirt, for example, values the shirt more than the money spend, while the seller values the money more. Both are better off because of the sale. Moreover, it doesn’t matter whether the shirt salesman is from the United States or Hong Kong （or anywhere else）.The vast majority of American manufactures face international competition. This competition forces companies to improve quality and cut costs. By contrast, protectionism encourages monopoly, lower quality and higher prices.Americans pay an enormous price for protection over $60 billion a year, or $1000 for a family of four. Thanks to protectionism, for example, American consumers pay twice the world price for sugar.Free trade also makes the world economy more efficient, by allowing nations to capitalize on their strengths. The United States has an advantage in food production, for instance, while Saudi Arabia has an advantage in oil. The Saudis could undertake massive irrigation to become self-sufficient in food, but it is more economical for them to sell oil and purchase food from us. Similarly, we could become self-sufficient in petroleum by squeezing more out of oil shale. But it is much less costly to buy some of our oil from Saudi Arabia. Tarde between our two countries improves the standard of living in both.Protectionism is both wasteful and unjust. It taxes most heavily the people who can least afford it. Thus, tariffs that rise the price of shoes burden the poor more than the rich. Despite the powerful case for free trade, the United States and the rest of the world have always been protectionist to some degree. This is because free trade benefits the general public, while protectionism benefits special interest group, which are better organized, better financed and more informed. To make matters worse, much of what we hear on this issue is misinformation spread by the special interests themselves.According to the passage, which of the following is NOT true?
A. International free trade may improve the standard of living all over the world.B. Economists are all in favor of the free trade policy.C. International free trade may create international competition.D. Protectionism has been abolished due to encouraging monopoly, lower quality and higher prices.

行政立法体制是指一个国家的行政立法主体的设置及其立法权限的划分，是一个国家整个立法体系的一部分，其中制定行政法规属于（）。
A.国务院各部、委立法B.国务院直属机构立法C.地方行政机关立法D.国务院立法。

物价上涨就是通货膨胀。()

在我国加入世界贸易组织、农业科技迅猛发展的形势下，农业面临的竞争首先是科技竞争。只有尽快提高农民的文化素质和科技意识，才能不断推广大批先进实用的农业科技成果，为农业和农村经济的发展提供有力的科技支撑。我国将继续推进农业和农村经济结构调整，大力发展优势农产品和特色产业，将在粮食主产区推广50个优质高产高效品种和10项关键技术。这些品种和技术的推广和运用都需要高素质的农民。为此，国家已经决定大力发展农村成人教育，在全国普遍开展农村实用技术培训，每年将培训　农民超过1亿人次。这段文字的意思是在强调（　　）
A.农民亟需提高科学文化素质　　　　　　　B.国家加大农业和农村经济结构调整C.发展科技才能提高我国农业的竞争力　　　D.每年有大量农民接受农村实用技术培训

供给学派认为，只有了解上述所得转移的税收效果，我们才能希望设计出一种社会福利制度，既能帮助真正需要帮助的人，又能给予那些在工作的人最大的激励。只有当人们从事工作和储蓄，进而提高全国资本存量时，才有国家财富的分配可言。上文中“上述所得转移的税收效果”最有可能是指（）。a.目前的税收体制在保障工作人士激励方面的作用还不够b.目前的税收效果是保障了穷人的最低所得和生活需求c.目前的税收体制激励人们依赖福利金而不去工作d.目前的税收体制关心的是维持个人的所得水平和消费能力

Questions 85-87 refer to the following advertisement.Gaining green card may involve the black market costs. The green card application process can take a long time, and people often have to eat while waiting for their papers. Many immigrants have resolved this through the acquisition of fake documents. （Note as an attorney, I emphatically do not recommend this. But people do it. A lot.） At their best （and most expensive）, fake papers can be quite useful. From talking to immigrants, I have learned that there is a man in a certain Central American capital who, for $6000, will get you a U.S. passport with a name and photo of your choosing that will scan as real on border crossing computers. In New York City, $150-$200 will get you work documents connected to a real Social Security number. $75 will get you a color copy on thick paper that looks like a Social Security card as long as you don’t look closely enough to see that it is actually a “Social Security” card.Which of the following statements is true according to the passage?
A. The writer finds fake paper a good solutionB. Social Security Number is the most expensiveC. All fake materials are free of any flawD. Fake papers do works quite well sometimes

经典会被一代代人重读，这样文化，尤其是作为精髄的文化就有了传承。当然有些也是隔代遗传，甚至经过世纪尘封。有些经典的命运非常孤独，有些好得多。经典是时间的造物。在时间中它又有了自己的历史，一些读者会把自己的生命又加入进来。经典不怎么时髦，经典是安静的，经典等待着。它必须等到一个好的读者才能复活。这个读者有多好，它就能够复活得多好。对这段文字意思概括最准确的是（）
A.重读经典有利于文化传承B.经典的生命需要读者来重塑C.尘封的经典更值得去品味D.经典的命运各不相同

2013年前三季度16家上市银行主要财务指标建设银行10月27日公布了2013年前三季度经营业绩，截至2013年9月30日，建设银行归属股东的净利润为1764.82亿元，较上年同期增长11.56%。10月24日，中国移动公布的2013年前三季度业绩报告显示，前三季度中国移动净利润915亿元，同比下滑1.9%。2013年前三季度，建设银行利息净收入2865.10亿元，较上年同期增长9.76%；手续费及佣金净收入较上年同期增长116.45亿元；其中，造价咨询、房改金融等传统优势产品继续保持较快增长，电子银行、信用卡、债券承销等新兴类亦表现良好。收入结构不断优化的同时，建设银行的成本收入比较上年同期下降0.21个百分点至25.53%。财报显示，2013年以来，建设银行合理把握信贷投放总量，继续深入推动信贷结构调整，支持实体经济发展；巩固传统优势领域，优化增量信贷资金投放，加大对小企业及个人信贷需求的支持力度；优化客户结构，产能过剩行业贷款余额持续下降，截止2013年9月30日，建设银行客户贷款和垫款总额83772.10亿元，较上年末增长11.51%。其中，境内公司类贷款52794.73亿元，个人贷款23671.10亿元，票据贴现1264.89亿元，海外和子公司贷款6041.38亿元。面对复杂的国内外经济金融形势，建设银行继续加强信贷资产风险管理，加快风险处置化解，加大重点地区、重点领域风险防控力度，保持信贷资产质量稳定。建设银行前三季度业绩报告显示，按照贷款五级分类划分建设银行不良贷款余额为820.87亿元，不良贷款率0.98%，较上年末下降0.01个百分点，资产质量在国内商业银行中持续保持领先水平。下述银行，2013年前三季度净利润与营业收人比值最大的是（）。
A.民生银行B.工商银行C.建设银行D.北京银行