2020年5月10日中国建设银行招聘考试试题（精选）

（多选）139、常见的分布式架构SOA（Service Oriented Architecture），翻译成中文是“面向服务的架构”，服务之间通过网络进行调用，相互依赖提供一套完整的功能。关于SOA的特征有（    ）。

A、将原业务逻辑抽象成可复用、可组装的服务

B、应用程序无感知

C、将原系统散乱、无规划的网状结构，梳理成规整、可治理的星形结构

D、将原职能化的架构转变为服务化的架构

（多选）140、某国家血型的分布大致为：A型为30%，O型为40%，B型为20%，AB型为10%，夫妻拥有的血型是相互独立的。已知B型的人只有输入B、O两种血型才安全。则对该国家的夫妻血型说法正确的是（    ）。

A、若妻子为B型，丈夫为何种血型未知，那么丈夫是妻子的安全输血者的概率为0.6

B、随机地抽取一对夫妇，其中至少有一人是O型的概率是0.64

C、随机地抽取一对夫妇，其中一人为A型，另一人为B型的概率是0.12

D、随机地抽取一对夫妇，妻子为B型丈夫为A型的概率是0.06

（多选）141、下列抽样方法中，属于概率抽样的有（    ）。

A、整群抽样

B、简单随机抽样

C、配额抽样

D、分层抽样

（多选）142、“三大战略”是建设银行总行党委以习近平新时代中国特色社会主义思想和党的十九大精神为指导，在新时代、新形势下确定的重大战略决策，是建设银行切实履行国有大行的政治责任、社会责任、经济责任，以满足经济社会发展和人民群众需要为奋斗目标。“三大战略”是指（    ）战略。

A、普惠金融

B、住房租赁

C、金融科技

D、劳动者港湾

（多选）143、“新金融人才产教融合联盟”于2018年12月17日，由中国建设银行联合一批境内外知名高校、金融机构、社会机构、创新型企业共同倡议发起成立。2019年6月24日，新金融人才产教融合联盟第一届理事会在上海举行，六十四家理事单位就推进联盟有关工作达成广泛共识，发表联合宣言及2019-2021行动计划。联合宣言与行动计划覆盖的人员包括（    ）。

A、高等院校新金融相关专业在校学生

B、金融机构从业人员

C、高等院校教授学者

D、科研院所研究人员

（多选）144、下列描述中，属于中国建设银行标准宣传用语的有（    ）。

A、不断创新 追求卓越

B、中国建设银行 建设现代生活

C、与客户同发展 与社会共繁荣

D、善建者行 成其久远

材料

Passage1

What's really inside bond funds these days? The answer, for many of them, is more risk. Funds have been quietly edging into more complex comers of fixed income. The goal: to eke out better returns in a low-yield world. Of particular concern is whether managers are moving into bonds that could prove difficult to sell if investors rush for the exits. Problems at some European funds have set nerves on edge, and investors in the U.S. will probably need to be more vigilant. “It can definitely be a disaster” if investors don't keep tabs on whether their fund manager is moving further and further into junk- rated debt, says Clark Randall, founder of Financial Enlightenment, a financial planning and advisory firm.

Spotting trouble isn't easy, because there are multiple types of risk in bond investing, including credit and illiquidity risk. With credit risk, the danger is that bond issuers could have trouble paying investors-or even that markets could start to worry about that possibility –pushing down the value of the bonds. Illiquidity is what happens when a mutual fund can't easily sell a holding. It's a particular problem with thinly traded or unusual securities.

Recent blowups involving potentially illiquid investments have been contained to Europe. At Natixis SA-backed H2O Asset Management in London, concern about investments in unrated bonds helped spur billions of dollars of withdrawals in a matter of days. In the U.S. the Securities and Exchange Commission, which caps funds' allocations to illiquid assets at , has been looking into the issue for several years. Few money managers foresee an imminent crisis. But Mark Carney, governor of the Bank of England, warned in June about the dangers of funds with hard-to-trade investments.

Liquidity questions aside, many relatively straightforward U.S. funds have increased their holdings of lower-rated bonds, emerging-market debt, and other assets to juice returns. This led fund researcher Morningstar Inc. To change how it classifies funds this year; it now has two intermediate -term bond fund categories. “Intermediate core” funds stick to the safest bonds. “Intermediate core plus” funds have more flexibility. “At some point, that category just got bigger and bigger,” says Eric Jacobson, a senior analyst at Morningstar.

Over the past five years, core- plus funds returned an average , while the core ones returned , according to Morningstar. The shift to riskier debt has been under way for years. In several of the large core-plus funds, the allocation to government and AAA-rated debt the bonds least likely to default-decreased from 2006 to 2018. The allocation to BBB, the rating just above junk, increased.

Managers of funds in the new grouping say they are careful not to get too wild. Dodge  Cox Income Fund has about half of its portfolio in top-rated bonds, compared with 66% at the end of 2006. The fund's investments are diversified across issuers and industries and “were carefully vetted and selected through our time-tested credit research process” says Thomas Dugan, co-director of fixed income at Dodge  Cox.

145、Fund managers are moving further and furher, into junk-rated debt because（    ）.

A、these funds prove difficult to sell when investors rush for the exits

B、problems at some European funds make investors in the U.S. be more vigilant

C、what really inside bond funds is more risk

D、these funds could eke out better returns

146、What is the word “trouble” in the second paragraph referring to? （    ）

A、illiquidity risk

B、credit risk

C、both credit risk and illiquidity risk

D、multiple types of risk

147、Which of the following is true about illiquidity risk?（    ）

A、Many U.S. funds have increased their holdings of lower-rated bonds to avoid illiquidity risk.

B、Fund managers are well aware of the dangers of funds with hard-to-trade investments.

C、illiquidity risk happens when the market start to push down the value of the bonds.

D、The recent blowups at Natixis SA illustrate the impact of illiquidity risk.

148、According to the passage, which kind of funds is becoming more popular in the market?（    ）

A、the intermediate core funds

B、the funds with riskier debt

C、the large core plus funds

D、the low-yield funds

149、Which of the following statements is NOT true?（    ）

A、The investment portfolio of Dodge  Cox Income Fund is diversified across issuers and industries.

B、Dodge  Cox Income Fund has decreased its portfolio in top-rated bonds from 2006、

C、BBB is the lowest level in bond rating.

D、An AAA-rated bond is least likely to default.

材料

Passage2

The kids of Generation Z are about to become the planet's biggest consumer spending force. That portends many opportunities in the globe's two largest economies, the U.S. and China. But retailers and brands in many developed nations with less robust economies aren't cheering That's because their Gen Z youth have grown up in the shadow of financial crises and economic recessions, leaving them indelibly marked by frugality.