2000年,北京海淀区28岁的个体工商户王建国经人介绍与北京公交集团客运二公司同岁的

题型:单项选择题

问题:

2000年,北京海淀区28岁的个体工商户王建国经人介绍与北京公交集团客运二公司同岁的孙爱菊结婚。2010年,夫妻二人已育有一个读小学二年级的女儿(9岁)和一个读幼儿园的儿子(6岁)。王建国的人生目标有两个:①希望儿女能接受良好的教育,别像自己一样没文化;②等60岁退休后生活无忧,且能周游世界。目前王建国每年税后收入30万元,孙爱菊每月税后收入2500元,且单位为其缴纳五险一金。
全家资产主要有:①价值100万的按揭商品房一套,首付30%,20年期,利率6%,按月本利平均偿还,已还5年;②价值27万元的轿车一辆;③活期存款2万元,以备急用;④定期存款30万元,债券基金50万元,拟给子女留学使用。需要指出的是,目前夫妻二人均无商业保险。全家支出主要有:①家庭每年生活费支出4.8万元;②儿女学费支出1.6万元;③儿女均参加某书法班支出1万元;④旅游费用支出2万元;⑤交际费用支出3万元。

作为银行的理财工作人员,你对王建国家庭的财务情况做出了家庭财务诊断,正确的是( )。
①家庭紧急备用金不够
②以定期存款和债券型基金准备子女教育金合理
③保险不足,应随家庭成员增加提高寿险保额
④养老无忧

A.①②
B.②③
C.①③
D.②④

考点:银行业从业考试个人理财个人理财
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You _____ talk so loud in the reading-room. [ ]

A. must

B. can

C. needn't

D. mustn't

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某项目可行性研究报告中有如下内容:

经测算,该项目需要100辆载重运输汽车,具体有以下两个方案:

方案A:从国外进口,离岸价6万美元/辆,海运费、保险费3000美元/辆,进口关税和增值税22万元/辆,国内运输费1000元/辆,进口贸易公司代理费费率2%。同时,根据该企业与外国出口商达成的初步协议,如果向国外购买这批进口汽车,可以得到车价款35%的出口国政府赠款和65%的出口信贷。出口信贷利率为5%,采用等额还本利息照付方式还款,还本期5年,宽限期1年。牌价汇率1美元=8.3元人民币。

方案B:用国产同吨位载重汽车,车价30万元/辆,国内运杂费率1%.另需要交纳购置税2万元。

车辆使用寿命10年,10年内,国产车行驶60万km,进口车行驶80万km,10年后报废,残值均为车价的5%。油价3.5元/L。每辆车配1名驾驶员,工资为24000元/年。两种方案的其他经济指标见表8-3。

表8-3两方案的其他经济指标

假设,上述的财务数据除了驾驶员工资、外汇汇率和油价外,不存在价格扭曲现象。进口车影子工资调整系数为1.1(国产车为1),影子汇率调整系数为1.08。进口油价到岸价为0.25美元/L,关税税率为22%,增值税率为17%,国内运费0.15元/L,汽油进口公司代理费费率2%。从财务角度和国民经济角度,对两方案进行评价(考虑资金时间价值,社会折现率为10%,项目基准收益率为10%)。

题型:单项选择题

某单位的员工工资表如下图所示。当员工基本工资小于2000元时,绩效工资=基本工资x9%x业绩点:当员工基本工资大于等于2000元时,绩效工资=基本工资x8%x业绩点。若要计算绩效工资,可先在F3单元格中输入(),并向垂直方向拖动填充柄至F9单元格,则可自动算出每个员工的绩效工资;若要计算各项平均值,则先在C10单元格中输入()拖动填充柄至F10单元格。

若要计算各项平均值,则先在C10单元格中输入()拖动填充柄至F10单元格。

A.=AVERAGE(C3:C9),然后向水平方向 

B.=AVERAGE(C3:G3),然后向垂直方向 

C.AVERAGE(C3:C9),然后向水平方向 

D.AVERAGE(C3:G3),然后向垂直方向

题型:单项选择题

在十二平均律中,()是十二平均律组织中最小的音高距离。

题型:单项选择题

In order to understand, however imperfectly, what is meant by "face", we must take (1) of the fact that, as a race, the Chinese have a ply (2) instinct. The theatre may almost be said to be the only national amusement, and the Chinese have for theatricals a (3) like that of the Englishman (4) athletics, or the Spaniard for bull-fights. Upon very slight provocation, any Chinese regards himself in the (5) of an actor in a drama. He throws himself into theatrical attitudes, performs the salaam, falls upon his knees, prostrates himself and strikes his head upon the earth, (6) circumstances which to an Occidental seem to make such actions superfluous, (7) to say ridiculous. A Chinese thinks in theatrical terms. When roused in self-defense he addresses two or three persons as if they were a multitude. He exclaims: "I say this in the presence of You, and You, and You, who are all here present. " If his troubles are adjusted he (8) of himself as having "got off the stage" with credit, and if they are not adjusted he finds no way to "retire from the stage". All this, (9) it clearly understood, has nothing to do with realities. The question is never of facts, but always of (10) . If a fine speech has been (11) at the proper time and in the proper way, the requirement of the play is met. We are not to go behind the scenes, for that would (12) all the plays in the world. Properly to execute acts like these in all the complex relations of life, is to have "face". To fail them, to ignore them, to be thwarted in the performance of them, this is to " (13) face". Once rightly apprehended, "face" will be found to be in itself a (14) to the combination lock of many of the most important characteristics of the Chinese.

It should be added that the principles which regulate "face" and its attainment are often wholly (15) the intellectual apprehension of the Occidental, who is constantly forgetting the theatrical element, and wandering (16) into the irrelevant regions of fact. To him it often seems that Chinese "face" is not unlike the South Sea Island taboo, a force of undeniable potency, but capricious, and not reducible to rule, deserving only to be abolished and replaced by common sense. At this point Chinese and Occidentals must agree to (17) , for they can never be brought to view the same things in the same light. In the adjustment of the incessant quarrels which distract every hamlet, it is necessary for the "peace-talkers" to take a careful account of the (18) of "face" as European statesmen once did of the balance of power. The object in such cases is not the execution of even-handed justice, which, even if theoretically desirable, seldom (19) to an Oriental as a possibility, but such an arrangement as will distribute to all concerned "face" in due proportions. The same principle often applies in the settlement of lawsuits, a very large percentage of which end in what may be called a (20) game.

9()

A.be

B.is

C.was

D.were

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