| 银行从业资格考试每日一练（2019/3/24） |
| 第1题： 某美容店向王某推荐一种“雅兰牌”护肤产品。王某对该品牌产品如此便宜表示疑惑，店家解释为店庆优惠。王某买回使用后，面部出现红肿、瘙痒，苦不堪言。质检部门认定系假冒劣质产品。王某遂向美容店索赔。对此，下列哪一选项是正确的( ) A．美容店不知道该产品为假名牌，不应承担责任 B．美容店不是假名牌的生产者，不应承担责任 C．王某对该产品有怀疑仍接受了服务，应承担部分责任 D．美容店违反了保证商品和服务安全的义务，应当承担全部责任 |
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| 第2题：影响金融市场长期走势的唯一因素是（ ）。 A．宏观经济因素 B．行业发展状况 C．企业经济效益 D．国际经济形势 |
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| 第3题：下列关于商业银行流动性监管核心指标的说法不正确的是（ ）。
A.流动性比例=流动性资产余额／流动性负债余额×l00％ B.人民币超额准备金存款是指银行存人中央银行的各种存款中高于法定准备金要求的部分 C.核心负债比率不得低于60％ D.流动性缺口为60天内到期的流动性资产减去60天内到期的流动性负债的差额 |
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| 第4题：下列关于按担保方式划分的各类个人贷款的表述正确的有( )。
A.根据担保方式的不同，个人贷款产品可以分为个人信用贷款、个人质押贷款、个人抵押贷款和个人保证贷款 B.当借款人不履行还款义务时，贷款银行有权依法以抵押物折价或者以拍卖、变卖抵押物的价款优先受偿 C.如果个人保证贷款出现逾期，银行可按合同约定直接向保证人扣收贷款 D.债券、存款单、应收账款可以作为质物出质 E.个人信用贷款是银行向个人发放的无须提供任何担保的贷款 |
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| 第5题：投资结构性外汇理财产品的客户面临的风险由( )的因素导致。
A．市场利率和外汇市场汇率波动 B．提前终止权掌握在银行手中 C．债券市场投资者信心不足 D．不能提前支取，可能导致很高的机会成本 E．股票市场价格指数波动 |
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| 第6题： C It seems that politicians around the world are thinking about the health of their countries. While inChina,Chen Zhu has announced his plans for a universal health service and reform across health services. GordonBrown, the UK Prime Minister, has also announced he is planning to make some changes in our health service. The crux of Mr.Brown’s proposals is related to giving the NHS (National Health Service) a greater focus on prevention, rather than just curing patients. He is planning to introduce increased screening for common diseases such as heart disease, strokes and cancer, for example, breast cancer. InBritain there are 200,000 deaths a year from heart attacks and strokes, many of which might have been avoided if the condition had been known about. Initially, the diagnostic (诊断) tests will be available for those who are vulnerable, or most likely to have the disease. One example is a plan to offer all men over 65 an ultrasound test to check for problems with the main artery (动脉), a condition which kills 3,000 men a year. The opposition have criticized Mr.Brown’s proposals, saying that they are just a trick, and claiming that there is no proper timetable for the changes. They also say that Mr.Brown is reducing the money available for the treatment of certain conditions while putting more money towards testing for them. The NHS was founded in 1948, and is paid for by taxation. The idea is that the rich pay more towards the health service than the poor. However, in recent years there has been a great increase in the use of private health care, and it’s much quicker. The NHS waiting lists for operations can be very long, so many people who can afford it choose to pay for medical care themselves. All the following statements are true except that ______.A．all people should pay for their health care at the NHS B．some people are against the reform of health care C．the writer is likely to come fromBritain D．more money will be spent on testing people than before |
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| 第7题：银行业从业人员在办理银行卡的业务中可以()。 A、与合作单位共同发行联名卡 B．对卡内资金不足一定余额的客户收取一定的年费 C．要求客户在余额超过一定限度时必须把部分余额转成定期存款 D．对所有用户给以每年用卡额一定比例的现金返还 E．在已经开展银行卡联网的地区安装只能使用本银行卡的POS机 |
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| 第8题：以下所列的经济学家及其著作当中，首先提出结构性通货膨胀的是( )。 A．鲍莫尔的《不平衡增长的宏观经济学：城市危机的解剖》 B．舒尔茨的《最近美国的通货膨胀》 C．希克斯的《凯恩斯经济学的危机》 D．托宾的《通货膨胀与失业》 |
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| 第9题：证券投资基金通过多样化的资产组合，可以分散资产的( )。
A．系统性风险 B．市场风险 C．非系统性风险 D．政策风险 |
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| 第10题：“留面子效应”是指人们拒绝了一个较大要求后．对较小要求的接受程度增加的现象。“登门槛效应”是指一个一旦接受了他人的一个微不足道的要求，为了避免认知上的不协调，或想给他人以前后一致的印象，就有可能接受更大的要求。 根据上述定义，下列属于“留面子效应”的是()。 A．当对大学生提出花两年时间担任一个少年管教所的义务辅导员的要求被拒绝后，再提出带领少年们去动物园玩一次的要求时，接受此要求的人比单独提出这一要求接受的人多得多 B．想劝居民在房前竖一块写有“小心驾驶”的大标语牌，先请求居民在一份赞成安全行驶的请愿书上签字，再提出这一要求会更加容易被接受 C．大型商场中售货员会把价格较低的衣服混放在价格较高的衣服旁边，使消费者在购买了价格较低的衣服后通过对比，发现原来价格较高的衣服也“不贵”，从而购买 D．推销员在推销时不会向顾客直接推销自己的商品，而是提出一个通常人们都能够或者乐意接受的小小要求，从而一步步地最终达成自己推销的目的 |
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