2019年邮政储蓄银行春季招聘笔试试题

96、2017年，我国三大产业及城乡居民生活用电量大小排序正确的是（    ）。

A、第二产业用电第三产业用电城乡居民生活用电第一产业用电

B、第三产业用电城乡居民生活用电第一产业用电第二产业用电

C、第二产业用电城乡居民生活用电第三产业用电第一产业用电

D、第一产业用电第二产业用电第三产业用电城乡居民生活用电

97、2018年，我国发电总量约为（    ）万亿千瓦时。

A、1.87

B、3.70

C、5.84

D、7.00

98、2017年，下列可再生能源发电量同比增幅最大的是（    ）。

A、水电

B、风电

C、光伏发电

D、生物质发电

99、根据以上材料，下列说法不正确的是（    ）。

A、2018年，我国第二产业用电量是第三产业用电量的4倍多

B、2017年和2018年，我国风电发电量同比增幅均超过20%

C、2017年，我国可再生能源发电量占全年发电总量的25%

D、2018年，我国全口径发电设备容量较2016年增加约2.48亿千瓦

100、Researchers at Gasnite Company have developed an improved method of (    ) fuel industrial waste materials.

A、extraction

B、extracts

C、extracted

D、extracting

101、Today, Wichner Industries announced that it （    ）opening an office in Kuala Lumpur to coordinate its overseas.

A、been

B、is being

C、will be

D、be

102、Darkness has now (    ) and the moon and stars shine hazily in the clear sky in the late autumn.

A、decayed

B、descended

C、deducted

D、defensed

103、We would like to inform you that Valmont blue silk-rayon blend you ordered is（    ）out of stock.

A、permanently

B、previously

C、currently

D、eventually

104、The Estes Museum explores the life and work of the Estes and is located just（    ）of Valparaiso Chile.

A、next

B、beyond

C、through

D、outside

105、Any equipment that does not arrive in perfect ____ may be returned to MQZ Electronics free of charge.

A、development

B、situation

C、problem

D、condition

106、You’re sweating heavily. You look tired （    ） running.

A、of

B、at

C、by

D、with

107、We will get（    ）our partners to determine the best.

A、in touch with

B、head of

C、back to

D、along with

108、My mother, Jane, was 18 when her father died and was already in an（    ）marriage.

A、arranging

B、planed

C、planning

D、arranged

109、（    ）, she would do almost anything to get away from here.

A、Winter come

B、Winter came

C、Coming winter

D、Winter coming

材料

Americans shopping for a mattress online may find the selection at Casper, a New York-based mattress startup, somewhat lacking. Unlike brick-and-mortar shops, which offer dozens of models, the startup sells just three. And yet Casper’s customers are spoiled for choice at the till. Those who cannot afford to pay with a debit or credit card, or Pay Pal, can pay by instalments over six to 12 months. Those who make payments on time can enjoy the service free.

Such “point-of-sale” loans, which have been around for decades in one form or another, are becoming increasingly popular in America. Consumers who might previously have financed big-ticket purchases such as furniture, electronics or home-improvement projects with a credit card are now opting to borrow at the checkout, often with an initial  interest rate. These short-term credit products were once the domain of big banks like Wells Fargo, which finances consumer purchases, and Synchrony Financial, an issuer of store-branded credit cards. Now tech startups are entering the market with innovative techniques for underwriting and approving potential borrowers, often in seconds.

Some new entrants offer credit mainly through online merchants. Many target affluent youngsters with simple borrowing terms and partnerships with high-end brands. Affirm, an online lender based in San Francisco, was founded by Max Levchin, who co-founded Pay Pal. It has agreements with 1,500 online retailers, including Nest, which sells smart thermostats, and Peloton, which sells internet-connected exercise bikes.

Affirms loans, which typically range from $500 to $5,000, tend to carry higher interest rates than traditional credit cards. But the firm says borrowers end up paying less because they are not subject to hidden fees or compound interest, and have a set pay-off date. Its figures suggest that merchants using the service see revenue increase by  thanks to shopping baskets that are bigger and less likely to be abandoned before check out is complete.

Other lenders partner with brick-and-mortar sellers. Greensky, an Atlanta-based lender founded in 2006, arranges financing for home improvements, elective medical procedures and other pricey items. Rather than lend the money, it matches merchants like Home Depot with banks like Suntrust and Regions Financial to finance their loans. Loans are arranged face-to-face by the retailer or contractor making the sale, cutting the risk of fraud. Greensky, which makes money by charging fees to both merchants and banks, earned $326m in revenue and $139m in net income in 2017. It went public in May and is now valued at $3.5bn, making it America’s fourth most valuable fintech company.

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.