2020年中国建设银行秋季招聘笔试试题

And then there is politics. Voters do not like breathing soot. More of them are concerned about climate change, too, as they face unpredictable growing seasons, floods and droughts.

151、According to this passage, which energy is the key factor to climate change?（    ）

A、oil

B、coal

C、gas

D、solar panels

152、The second paragraph tells us that（    ）.

A、China has taken measures to curb carbon omissions

B、India is home to the largest increase of coal demand

C、All the coal plants will be closed in 2050

D、Asia's coal- fired power plants are close to retirement

153、Which of the following statements is true?（    ）

A、Government support is an important factor for rising coal demand in Asia

B、Japanese government does not support coal

C、Solar power is the most used energy in rich countries

D、Gas is playing a bigger role in most Asian countries

154、Government supporting coal may face three risks except（    ）.

A、Cultural risks

B、Environmental risks

C、Economic risks

D、Risks of politics

155、Coal may cause the following problems except（    ）.

A、Rising temperature on earth

B、Air pollution

C、Unpredictable seasons

D、Bankruptcy of state-owned companies

材料

There's been a steady drumbeat of warnings about a surge in risky corporate borrowing-but not much clarity serious the threat is. At issue is the more than $1 million market in leveraged loans. That's Wall Street jargon for loans to business with less than rock-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt and the deterioration or lending standards. The loans are often bundled into securities collateralized loan obligations (CLOs).

Most of the watchdogs are careful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on banks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.

The mechanics of the leveraged loan market will be familiar to students of the housing crisis. With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on their books, lender them to asset managers that package them into securities -CLOs-that are sold to investors such as insurers and hedge funds.

Yields on the riskiest portions of CLOs can approach  a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or shadow lenders financial companies that aren't regulated like market for leveraged loans has more than doubled since 2012、The risk taking could get worse: With demand by borrowers for leveraged loans declining this year, those still financing have been able to extract looser learns.

About  of leveraged loans are held by nonbanks, according to Wells Fargo research. But banks may play a larger robe than may assume, according to Gaurav Vasisht, director for financial regulation at the Volcker Alliance, a good-governance group. Banks are involved in all stages of the process. They underwrite loans, sell them to the CLOs, invest in those securities, and then hedge those risks in the market. “One common narrative is that banks don’t have much risk or aren’t exposed to it. Vasisht said at the hearing, “Banks are exposed to it.”

Just because banks are safer doesn’t necessarily mean the financial system is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory-analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. “Banking regulators are being a little myopic when they're looking only at the banking system for systemic risk,” she says.—Sally Bakewell and Thomas Beardsworth.

156、What is the main idea of this article?（    ）

A、lessons learned from the financial crisis

B、the flaws of banking regulation

C、the warnings of regulators

D、the risks of corporate debts

157、Which one is false about the leveraged loans?（    ）

A、they are loans provided to companies already holding a considerable amount of debt.

B、It is easier for companies to get leveraged loans.

C、most of the leveraged loans are held by nonbanks.

D、the Federal Reserve is quite sure about the risks of leveraged loans.

158、The collateralized loan obligations (CLOs).（    ）

A、are securities back by loans

B、are sold to companies with good finance

C、have very low yields

D、do not have much risks

159、According to the article, which of the following statements is true?（    ）

A、The mechanics of leveraged loans are different from that of housing crisis.

B、regulators admit that the financial crisis in 2008 might repeat.

C、shadow lenders will be regulated.

D、banks are not immune from the risks of corporate debt.

160、What does the underlined word "myopic" mean in the last paragraph?（    ）

A、optimistic

B、pessimistic

C、short-sighted

D、sarcastic

注：试题来源于考生回忆及网络，仅供参考！