2019年中国建设银行春季招聘笔试试题

Investor enthusiasm for online lenders can be fickle, however. Lendingclub and Ondeck Capital, two lenders that went public in 2014 promising to shake up the banking industry, have struggled with high sales-and-marketing costs, and difficulty finding cheap and stable funding for loans. Since its initial public offering. Lendingclub's share price has fallen by ; Ondeck's has dropped . Neither company turned a profit in 2017. Greensky, which bills itself as a technology company rather than a lender, hopes to fare better by partnering with traditional banks rather than trying to beat them at their own game. That may not be as striking as the strategy of other fintech startups. But it has the advantage that it is already profitable.

146、Why did the author mention Casper, the mattress startup at the beginning of the passage? （    ）

A、To compare the mattress models provided at online shops and brick-and-mortar shops

B、To explain why the customers cannot afford the mattress at brick-and-mortar shops

C、To illustrate why customers are usually upset at the till

D、To give an example of instalment loans

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

A、Customers always used a credit card instead of debit card in the past

B、Traditional banks also provide short-term credit products

C、The customers pay by the instalment loans without interest

D、It usually takes tech startups several days to assess a potential borrower

148、According to the passage, which of the following is NOT true about Affirm? （    ）

A、Nestand Peloton have partnerships with Affirm in terms of credit services.

B、Affirm’s loans cost the users more fees than credit cards

C、Most of Affirm’s partners are online retailers

D、Affirm does not charge customers compound interest

149、Lendingclub and Ondeck Capital（    ）.

A、have difficulty in reducing the costs.

B、are both profitable in 2017.

C、are two tech startups which shook up the banking industry in 2014.

D、enjoy higher share price this year.

150、What is the author’s attitude towards Greensky in the passage?（    ）

A、Uncertain

B、Critical

C、Supportive

D、Indifferent

材料

Passage 2

Jeez，Europe，what more do you need？Great universities. Fantastic transit systems. More than twice the population of the U.S. The finest cars， watches. wine. beer OK the Americans do better beer now，but still So many glorious advantages. And yet Europe，as ever，continues its reign as the globes consumer-tech underachiever.

The heyday of Nokia Corp. and Ericsson AB is a distant memory，and Europe doesn’t have anything remotely comparable to Apple，Amazon，Alphabet，Microsoft，or Facebook，or Alibaba or Tencent，companies with market values ranging from $100 billion to S1 trillion and counting with apologies to Stefon，Europe's hottest tech business is Spotify ($34 billion) ； the only one into nine figures is SAP(S1 40 billion) the German maker of the worlds most boring business software.

The good news for Euro startups is that thee got their best chance In a long while something themselves，China's champions are struggling to expand in markets for which they haven't adequately tailored their services And Silicon Valley is two years into a string of unforced errors：fake news. On Aug 13 the Associated Press reported the latest outrage Google has been tracking app users' locations and storing that data even if users change their privacy settings to forbid it from tracking their location activity. Facebook Inc. and Google are persuasively if unintentionally making the case that the world needs alternative visions of the future-all Europe needs to do is find some. Over the past few years， Europe has brought in the kind of money it used to lack，worn down some barriers to regional expansion，and built a handful of startup hubs in its national capitals. Europes tech ecosystem has the talent，ambition，and velocity to produce companies of comparable scale to the Facebooks and Ubers of the world，”says Manish Madhvani， managing partner of GP Bullhound LLP，a tech-focused investment adviser. And still，many of the continent's best efforts keep laming out or selling out too early. It’s worth taking a tour through this lovely land of walkable cities and missed business opportunities to figure out what's gone wrong and what may finally be right.

Europe is also no stranger to unforced errors. London，its largest financial and technology hub，has unsurprisingly been one of the best places on Earth to start a financial tech company. In the U.S.，companies have to contend wis\Mates banking and insurance regulators，and laws may vary widely. A company regulated by since January，any EU citizen who wants to try the services of a financial startup can demand that his existing bank share his account data with the upstart. But，you know，Brexit If the U.K. leaves the EU next year that British leg up will vanish.

151、What can we infer from the first paragraph？（    ）

A、Europe could have done better in the tech fielD、B、Universities and transit systems are the advantages of Europe

C、The best cars，watches and wine are in Europe

D、Population is a weakness of Europe

152、The good news for Euro startups is that these got their best chance in a good，long while to make something of themselves. What is not the“chance”for Europe？（    ）

A、Europe has found the money it needs and removed some barriers

B、Brexit gives Europe another advantage to develop tech industry

C、The Silicon Valley is involved in a series of negative news

D、The tech companies of China still need time to adapt to the local markets

153、The example of Google in the third paragraph is cited to explain that（    ）。

A、Google is no longer the pride of Americans

B、users are not satisfied with Google

C、it is a chance for Europe to build an alternative tech giant

D、Google has invaded its users' privacy

154、According to the passage，why does Europe not have tech giants like Apple or Facebook？（    ）

A、The passage does not tell

B、Because Europe rests on its Laurels

C、Because America has a Silicon Valley while Europe does not

D、Because Europe does not have the business environment for tech companies

155、Which one of the following statements is true？（    ）

A、London is much better than any other cities to build a financial tech company.

B、Companies in EU face more complicated regulations than their American counterparts do

C、Europe has the tech ecosystem to build businesses comparable to the Facebook

D、The hottest tech business in Europe is SAP with nine figures

材料

Passage 3

Investors, unnerved by inflationary pressure and the wide current account deficit ,took further fright following a dispute between Donald Trump，the US president，and Recep Tayyip Erdogan，his Turkish counterpart. Mr Trump imposed sanctions on two Turkish ministers and raised tariffs on imports of Turkish steel and aluminium in an attempt to press Ankara to release an American pastor. Mr Erdogan has refused to back down in the face of what he has called a US economic war against Turkey. He has repeated his opposition to high interest rates，which he has termed “the mother and father of all evil” and has argued are a cause of high inflation rather than a potential cure. Turkeys central bank stunned investors by refusing to raise rates even as the lira lost nearly a quarter of its value against the dollar in August alone.

The falling currency has turned the screws on Turkish companies. Some are laden with debt in dollars or euros that are becoming more expensive to service. Others are struggling with the rising costs of imported materials and energy or rent payments indexed to the dollar. On Saturday，a Turkish shoe retailer announced that it was having cash flow problems because of exchange rate pressures. Hotic，which has 150 branches in Turkey and employs close to 900 people， said a commercial court would oversee an agreement with its creditors while debt restructuring took place. The previous day，Derindere，a vehicle rental company，said it had failed to redeem a TL50m corporate bond that was due to mature on that day. It cited cash flow problems caused by “economic developments”. The company，which had a fleet of 36，000 vehicles and a market share of 10 percent at the end of 2017，said discussions with the banks were continuing to ensure that our cash flow is returned to a healthy structure.