银行考试资料（1）

A new booklet explaining the process of course selection along with counseling services is _____ to any student interested in receiving

(A) potential

(B) available

(C) expressed

(D) approaching

The vast number of new business the city is attracting is good news for the local economy; however, the _____ of vacant office space is something the major has to figure out

(A) level

(B) training

(C) shortage

(D) exaggeration

We believe that _____ recent changes in state laws, the majority vote standard is now in the best interests of the company and its

(A) due to

(B) whereas

(C) otherwise

(D) instead of

_____in universities around the nation has more than tripled compared to this time last

(A) Enroll

(B) Enrolls

(C) Enrolling

(D) Enrollment

Pennington retires, he will receive an annual pension of more than fifty thousand dollars from Packard

(A) Often

(B) Once

(C) Whoever

(D) Sometimes

Bingham’s promotion became official, many of his colleagues have approached him to congratulate

(A) Despite

(B) Still

(C) Since

(D) During

John Clarke, who is in the prime of his career, has been ranked _____ the top 10 players in tennis history by Sports

(A) at

(B) into

(C) among

(D) from

Due to the heavy damage the storm has caused in some rural areas, it is predicted that the cost of fruits and vegetables will be _____ this

(A) increase

(B) increases

(C) to increase

(D) increasing

All of our stores will be extending their business hours during the holiday season, but we will go back to our _____ hours after the new

(A) regular

(B) regulars

(C) regularity

(D) regularities

Sarah Ewing received rave _____ for her outstanding performance in her portrayal of a single mother raising two children in the ghetto in the 70s in the new blockbuster movie Single

(A) inspections

(B) articles

(C) reviews

(D) surveys

答案：

【答案】B。解析：任何需要帮助的学生都可以得到一本解释选课过程和辅导服务的小册子。B为正确答案

【答案】C。解析：本市吸引来的大量新企业对本地经济来说是个好消息，但办公空间不足是市长急需解决的问题。。横线处应选择适当的名词。However是转折连词，因此横线处应填入与vast number含义相反的名词。故正确答案为C。

【答案】A。解析：我们认为由于最近国家法律的改变，多数票决标准现在是对公司和股东最有利的。横线处应填入介词。Recent changes in state laws 是majority vote standard is 的原因，故选A。

【答案】D。解析：全国大学的入学人数已经是去年同期的三倍多了。本题要求选择enroll的适当词形。故选D。

【答案】B。解析：彭宁顿先生一旦退休，将每年从帕卡德股份有限公司获得超过五万美元的退休金。横线处应填入引导状语从句的连词。备选答案中只有once是连词，故选B。

【答案】C。解析：自从宾厄姆先生正式晋升后，很多同事都来向他表示祝贺。横线处应填入从属连词，只有备选答案C是从属连词。

【答案】C。解析：约翰克拉克正处在他职业生涯的鼎盛时期，被《体育日报》评为网球史上的十佳运动员。本题考查介词。谓语has been ranked后用the top 10 players in tennis history限制了具体范围，因此C最为恰当。

【答案】D。解析：由于这次暴风雨在部分乡村地区造成的严重破坏，预计今年夏天水果和蔬菜的价格都会上涨。横线后没有动词出现，由横线前的be动词可以判断横线处应填入动词的现在分词或过去分词。D符合答案。

【答案】A。解析：在假日季节，我们所有的商店都会延长营业时间，但是新年过后我们会恢复正常营业时间。本题选择适当的词性。横线处修饰Hours,故因选择形容词A。

【答案】C。解析：莎拉尤因因在新大片《单身妈妈》中出色扮演了七十年代贫民区的一位独自抚养了两个孩子的单亲妈妈而受到好评。横线处需填入被形容词rave修饰的名词。故C为正确答案。

银行考试资料（2）

October 8

Book Review of Anne Narazaki’s

New Century, New Business

Reviewed by John Gilliam

Anne Narazaki’s recent book, New Century, New Business, seeks to examine the new technologies that are critical for global business and how they affect today’s corporate Narazaki argues that while economic transactions of one kind or another have taken place for thousands of years, the impact of changing technology on business has become obvious only In fact, as new technologies have grown more prevalent, Narazaki observes, international businesses have increased in size and At the same time, the time required to conduct each business transaction has

Narazaki illustrates her observations with detailed examples of recent business Citing the merger of Poynter Technologies and Carce Company, which created the largest financial services company in the world, Narazaki explains the effect technology has on the valuation of a company, on communication between the managements of different companies, and on stock and funds

Those of us who take an interest in the interaction between business and technology will find Narazaki’s ideas The view that business cannot survive without keeping up with new technology has become today’s corporate

In the article, the word “critical” in paragraph 1, line 4 is closest in meaning to

growing

sensitive

disapproving

important

According to the article, why is the merger of Poynter Technologies and Carce Company mentioned in the book?

To point out the legal issues raised by new technologies

To show how the world’s largest computer technology firm was created

To indicate that large companies have advantages in the marketplace

To illustrate the impact technology has on transactions

What can be inferred about John Gilliam from his review?

He specializes in articles focusing on

He agrees with the ideas presented in the book

He hopes technology will become less important to business

He is training to work in corporate

Why did Oguro write an e-mail to Narazaki?

To offer her a job

To compliment her on her new book

To invite her to visit Sydney

To request advice on writing books

What does Oguro indicate about New Century, New Business?

It is Anne Narazaki’s first

It is published by Rotaro incorporated

John Gilliam helped write a section of it

Anne Narazaki wrote it at Poynter Technologies

What is the purpose of the e-mail?

To change a policy

To inquire about a problem

To give instructions

To correct an error

In the e-mail, the word “address” in paragraph 3, line 1, is closest in meaning to

give attention to

write to

look forward to

call by name

What will the technical support team NOT do?

Record speakers

Videotape presentations

C, Check sound equipment

Adjust lighting

What problem does Hanna Sanchez mention?

The technicians do not have enough time between sessions

One of the rooms is not fully equipped for the presentations

One of the presentations will need to be rescheduled

The lighting in room 106 does not work properly

Who will need to move a laptop computer?

Adam Naraozny

Maria Faustini

Jim Dawkins

Hanna Sanchez

答案：

【答案】 解析：“critical”一词出现在“……examine the new technologies that are critical for global business……”这句话中，结合整句加以理解，是说：新的科技技术对全球商业的重要性。所以，该题的正确答案应为D。

【答案】 解析：由原文第二段相关内容：“…… Narazaki explains the effect technology has on the valuation of a company, on communication……可以得出正确答案。A、B、C在原文中均未提到。

【答案】 解析：由原文的最后一段：…… Narazaki’s ideas The view that business cannot survive without keeping up with new technology has become today’s corporate 可以推断出，John Gilliam 对该Reviews中提及的观点是表示赞同的。所以本题的正确答案为B。

【答案】 解析：邮件的第一段中：……but I’m writing to congratulate you on the publication of your first 这句话就可以得出此题答案。

【答案】 解析：……to congratulate you on the publication of your first 就表明：New Century, New Business这本书是Anne Narazaki的第一本书。B、D两项不能从原文中得到，C选项错误，因为John Gilliam只是为这本书写了Reviews。所以本题答案应为A。

【答案】 解析：邮件的第一段首句：This message is to finalize the organizational details for……就表明，这份邮件是为了完善有关于即将举行的研讨会的相关事宜而提出的相关要求和指导意见。所以，本题的正确答案应为C。

【答案】 解析：结合句意分析，A选项的意思与“Address”一词在该句中的意思最贴近，其它选项都不能。

【答案】 解析：由原文中第三段的第二句：Speakers will not be videotaped可以得出正确答案。

【答案】 解析：由最后一段：room 106 does not have a computer on-site, but the presentation in the third session will require one……可以得出正确答案，A、C、D三个选项在原文中均未提及。

【答案】 解析：首先需要明确的是，“移动手提电脑”的部分是出现在third session，再由Technical Support for Presentation Sessions 部分可以得知，负责third session的技术人员是Adam Naraozny，所以，本题的正确答案是A。

银行考试资料（3）

银行从业资格考试风险管理复习资料

风险信息在各业务单元的流动不完全是单向循环，其过程具有多向交互式、智能化的特点。有效的风险管理信息系统应当能够及时整合各种风险类别的信息和数据，提供卓越的风险分析功能，具有很强的备份和恢复能力。下面是银行从业资格考试风险管理复习资料，欢迎参考阅读！

1.数据收集

(1)风险信息/数据的种类

①内部数据：一般通过商业银行内部的业务数据仓库获得。

②外部数据：通过专业数据供应商所获得的数据

国内市场行情和信息数据

外部评级数据

行业统计分析数据

外部损失数据

(2)风险信息的特征及系统结构方面的问题

①精确性

②及时性

③系统结构方面的问题。

交易系统的数据信息可能没有记录系统那样精确，需要特别留意。区分系统“真实的”和交易人员“假设的”分析操作。信息系统需要设计远程数据的传输和储存结构。

2 数据处理

(1)处理输入数据/信息

①中间计量数据。中间计量数据应该存储到数据仓库中，一般采用三维存储方式，例如时间、情景、金融工具。

②组合结果数据。组合结果数据根据不同的风险管理目标存储到风险数据仓库中，以便业务人员和风险管理人员通过信息终端获取。

(2)信息储存操作

信息储存系统应当结合以下能力：

①增添最初没有预计到的产品特性(新产品风险技术改进);

②以特定的投资组合方式集中并计量风险;

③重新定义投资组合，以及如何将不同的产品组合在一起。

3 信息传递

有效的'风险管理是指在正确的时间将正确的信息传递给正确的人。先进的企业级风险管理信息系统一般采用B/S结构，操作人员通过IE方式实现远程登录，就可以在最短的时间内获得所有相关的风险信息。

发布风险分析信息/报告分为两个步骤：

①预览

②发布

4 信息系统安全管理

①针对风险管理组织体系、部门职能、岗位职责等，设置不同的进入级别;

②为每个系统用户设置独特的识别标志，并定期更换登录密码或磁卡;

③对每次系统登录或使用提供详细笔记，以便为意外事件提供证据;

④设置严格的网络安全/加密系统，防止外部非法入侵;

⑤随时进行数据信息备份和存档，定期进行检测并形成文件记录;

⑥设置灾难恢复以及应急操作程序;

⑦建立错误承受程序，以便发生技术困难时，仍然可以在一定时间内保持系统的完整性。