建设银行笔试题及经验

考完了，不管结果如何，希望能给以后的师弟师妹们留下一些有用的资料，也以此答谢应届生论坛、以及坛子里的XDJM们。2009年建行总行的笔试共155道题，70道专业题，15道英语，70综合测试（类似于公务员行测），考试时间180分钟，时间基本上是充分的。从难度上看，综合测试比公务员要简单不少，特别是数学、资料分析。英语大概与六级难度相当，也不算难。能拉开距离的应该是专业测试，因为建行的专业考试范围很广，涉及到了金融、经济、管理、市场营销、财务会计、计量经济学等各个学科，要想全面覆盖这些知识面，需要平时的积累。非技术类的题分值分布是：专业部分：单选40道，0.5分一题；多选30道，1分一题英语部分：15题，1分一题行测加时事部分：70题，0.5分一题专业题涉及下面的内容：1、法定准备金率2、财政货币政策3、欧式期权4、巴塞尔协议三大支柱5、参数估计和残差6、企业文化7、金融市场的要素8、即期和远期9、商品的需求弹性10、财务报表11、盈余公积12、会计利润13、商业票据贴现14、公允价值和账面价值15、市场细分16、金字塔管理结构中，上级与中级领导比：管理难度与幅度问题17、非货币性商品交换中关于具有商业实质和没有商业实质的问题18、积极的财政政策与扩张的货币政策的使用范围19、国家偿债的率20、财务杠杆问题21、关于物权法中的留置权22、市场占有率：某公司的市场占有率是30%，其他最大三个竞争对手的市场占有率分别为20%，12%,8%。问该公司的相对市场占有率23、有限责任公司股东转让股份的条件24、信用卡信用额度的确认25、银行整存整取问题26、货币市场工具27、企业战略：当企业处于成长期应该：扩大市场占有率？28、哪个属于会计政策变跟：房地产由成本法改为公允价值？不记得了29、关于内部欺诈问题30、新巴赛尔协议中关于逾期贷款的风险权重31、商业银行法中关于客户贷款的问题32、公司申请贷款不需审核的什么。。。。。。33、关于欧式看涨期权说法正确的是：利率上涨及期权时间等对期权价格的影响34、回购债券价格的决定因素35、统计的拟合优度公式36、会计的暂时性差异37、国际结算中关于福费庭的问题38、发现同事们内部欺诈，你怎么做39、税法中关于定额税40、经济法中关于格式条款和非格式条款41、什么是违反了金融管理的行为42、会计里暂时性差异43、会计政策变更及会计报表调整44、项目贷款英语有三篇阅读理解：1、第一篇是反战的2、第二篇是关于美元贬值的3、第三篇是关于网络出版的据说是考研和六级题，在网上一查，果然是的。所以能给大家奉上完整的题目！美元贬值那一篇的语言十分冷幽默，挺有意思的。Text2Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingatarecordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperatorsinMiami-forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthathasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2000peak?ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,whichthanksinparttotheweakdollar,soared11percentbetweenMay2006andMay2007.Forfirstfivemonthsof2007,thetradedeficitactuallyfell7percentfrom2006.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstickbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeveragebusiness.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacationtoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.52.WhydoAmericansfeelhumiliated?A)TheireconomyisplungingB)Theycan’taffordtripstoEuropeC)TheircurrencyhasslumpedD)Theyhavelosthalfoftheirassets.53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?TheyhavetocanceltheirvacationsinNewEngland.Theyfinditunaffordabletodineinmom-and-poprestaurants.Theyhavetospendmoremoneywhenbuyingimportedgoods.Theymightlosetheirjobsduetopotentialeconomicproblems.54HowdomanyEuropeansfeelabouttheU.Swiththedevalueddollar?TheyfeelcontemptuousofitTheyaresympatheticwithit.Theyregarditasasuperpoweronthedecline.Theythinkofitasagoodtouristdestination.55whatistheauthor’sadvicetoAmericans?TheytreatthedollarwithalittlerespectTheytrytowinintheweak-dollargambleTheyvacationathomeratherthanabroadTheytreasuretheirmarriagesallthemore.56Whatdoestheauthorimplybysaying“currenciesdon’tturnonadime”(Line2,Para7)?Thedollar’svaluewillnotincreaseintheshortterm.ThevalueofadollarwillnotbereducedtoadimeThedollar’svaluewilldrop,butwithinasmallmargin.FewAmericanswillchangedollarsintoothercurrencies.Theanswersasfollow:52,B,Theircurrencyhasslumped.53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.54,D,Theythinkofitasagoodtouristdestination.55,C,Theyvacationathomeratherthanabroad.56,A,Thedollar'svaluewillnotincreaseintheshortterm.Text3Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthelaboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwouldthenremovetheauthors’namesandaffiliationsfromthepaperandsendittotheirpeersforreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperforpublicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchersseekingknowledgeoftheresultswouldhavetosubscribetothejournal.Nolonger.TheInterne