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1、2018 年招商银行秋季校园招聘笔试真题及答案解析年招商银行秋季校园招聘笔试真题及答案解析第一部分英语（第一部分英语（1-151-15）一、阅读理解Text 1It would be all too easy to say that Facebooks market meltdown is coming to anend. After all, Mark Zuckerbergs social network burned as much as $ 50 billionof shareholders wealth in just a couple months. To put that in c
2、ontext, since itsdebut(初次登台)on NASDAQ in May, Facebook has lost value nearly equal to Yahoo, AOL,Zynga, Yelp, Pandora, Open Table, Groupon, LinkedIn, and Angies List combined,plus that of the bulk of the publicly traded newspaper industry.As shocking as this utter failure may be to the nearly 1 bill
3、ion faithful Facebookusers around the world, its no surprise to anyone who read the initial publicoffering (IPO) prospectus(首次公开募股说明书). Worse still, all the crises thatemerged when the company debuted overpriced shares, poor corporate governance,huge challenges to the core business, and a damaged br
4、and remain today. Facebooklooks like a prime example of what Wall Street calls a falling knife that is,one that can cost investors their fingers if they try to catch it.Start with the valuation(估值). To justify a stock price close to the lower end ofthe projected range in the IPO, say $ 28 a share, F
5、acebooks future growth wouldhave needed to match that of Google seven years earlier. That would have requiredincreasing revenue by some 80 percent annually and maintaining high profit marginsall the while.Thats not happening. In the first half of 2012, Facebook reported revenue of $ 2.24billion, up
6、38 percent from the same period in 2011. At the same time, the companys costs surged to $ 2.6 billion in the six-month period.This so-so performance reflects the Achilles heel of Facebooks business model,which the company clearly stated in a list of risk factors associated with its IPO:it hasnt yet
7、figured out how to advertise effectively on mobile devices, the numberof Facebook users accessing the site on their phones surged by 67 percent to 543million in the last quarter, or more than half its customer base.Numbers are only part of the problem. The mounting pile of failure creates a negative
8、feedback loop that threatens Facebooks future in other ways. Indeed, the moreFacebooks disappointment in the market is catalogued, the worse Facebooks imagebecomes. Not only does that threaten to rub off on users, its bad for recruitmentand retention of talented hackers, who are the life blood of Zu
9、ckerbergs creation.Yet the brilliant CEO can ignore the sadness and complaints of his shareholdersthanks to the super-voting stock he holds. This arrangement also was fully disclosedat the time of the offering. Its a pity so few investors apparently bothered todo their homework.1. What can be inferr
10、ed about Facebook from the first paragraph?A. Its market meltdown has been easily halted.B. It has increased trade with the newspaper industry.C. It has encountered utter failure since its stock debut.D. Its shareholders have invested $ 50 billion in a social network.2. The crises Facebook is facing
11、 _.A. have been disclosed in the IPO prospectusB. are the universal risks Wall Street confrontsC. disappoint its faithful usersD. have existed for a long time3. To make its stock price reasonable, Facebook has to _.A. narrow the IPO price rangeB. cooperate with GoogleC. keep enormously profitableD.
12、invest additional $ 2.6 billion4. It can be inferred from the context that the “Achilles heel” (Line 1, Para.5) refers to _.A. deadly weaknessB. problem unsolvedC. indisputable factD. potential risk5. What effect will Facebooks failure in the market have?A. Its users benefits will be threatened.B. T
13、alented hackers will take down the website.C. The CEO will hold the super-voting stock.D. The companys innovation strength will be damaged.Text 2Ill admit Ive never quite understood the obsession(难以破除的成见)surroundinggenetically modified (GM) crops. To environmentalist opponents, GM foods are simplyev
14、il, an understudied, possibly harmful tool used by big agricultural businessesto control global seed markets and crush local farmers. They argue that GM foodshave never delivered on their supposed promise, that money spent on GM crops wouldbe better channeled to organic farming and that consumers sh
15、ould be protected withwarning labels on any products that contain genetically modified ingredients. Tosupporters, GM crops are a key part of the effort to sustainably provide food tomeet a growing global population. But more than that, supporters see the GMopposition of many environmentalists as fun
16、damentally anti-science, no differentthan those who question the basics of man-made climate change.For both sides, GM foods seem to act as a symbol: youre pro-agricultural businessor anti-science. But science is exactly what we need more of when it comes to GMfoods, which is why I was happy to see N
17、ature devote a special series of articlesto the GM food controversy. The conclusion: while GM crops havent yet realizedtheir initial promise and have been dominated by agricultural businesses, there isreason to continue to use and develop them to help meet the enormous challenge ofsustainably feedin
18、g a growing planet.That doesnt mean GM crops are perfect, or a one-size-fits-all solution to globalagriculture problems. But anything that can increase farming efficiency theamount of crops we can produce per acre of land will be extremely useful. GM cropscan and almost certainly will be part of tha
19、t suite of tools but so will traditionalplant breeding, improved soil and crop management and perhaps most important of all,better storage and transport infrastructure(基础设施), especially in the developingworld. (It doesnt do much good for farmers in places like sub-Saharan Africa toproduce more food
20、if they cant get it to hungry consumers.) Id like to see morenon-industry research done on GM crops not just because wed worry less aboutbias, but also because seed companies like Monsanto and Pioneer shouldnt be theonly entities working to harness genetic modification. Id like to see GM researchon
21、less commercial crops, like corn. I don t think it s vital to label GM ingredientsin food, but I also wouldnt be against if and industry would be smart to goalong with labeling, just as a way of removing fears about the technology.Most of all, though, I wish a tenth of the energy thats spent endless
22、ly debatingGM crops was focused on those more pressing challenges for global agriculture. Thereare much bigger battles to fight.6. How do environmentalist opponents view GM foods according to the passage?A. They will eventually ruin agriculture and the environment.B. They are used by big businesses
23、to monopolize agriculture.C. They have proved potentially harmful to consumers health.D. They pose a tremendous threat to current farming practice.7. What does the author say is vital to solve the controversy between the two sidesof the debate?A. Breaking the GM food monopoly.B. More friendly exchan
24、ge of ideas.C. Regulating GM food production.D. More scientific research on GM crops.8. What is the main point of the Nature articles?A. Feeding the growing population makes it imperative to develop GM crops.B. Popularizing GM technology will help it to live up to its initial promises.C. Measures sh
25、ould be taken to ensure the safety of GM foods.D. Both supporters and opponents should make compromises.9. What is the authors view on the solution to agricultural problems?A. It has to depend more and more on GM technology.B. It is vital to the sustainable development of human society.C. GM crops s
26、hould be allowed until better alternatives are found.D. Whatever is useful to boost farming efficiency should be encouraged.10. What does the author think of the ongoing debate around GM crops?A. It arises out of ignorance of and prejudice against new science.B. It distracts the public attention fro
27、m other key issues of the world.C. Efforts spent on it should be turned to more urgent issues of agriculture.D. Neither side is likely to give in until more convincing evidence is found.Text 3There is a certain inevitability that e-book sales have now overtaken paperback saleson Amazons US site. Ama
28、zons Kindle 2 is so light and so cheap that its easyto see why people have rushed to buy it. Though Im still not keen on the designof the Kindle, it is a vast improvement on its predecessor and certainly tolerable.Beyond the device itself, Amazon has done a great job of rolling out Kindle apps,ensur
29、ing that people like me who have an iPad but not a Kindle can still joinin the fun. Once youre into the Kindle ecosystem, Amazon locks you in tightly just as Apple does with its iTunes / iPod ecosystem. Its so easy to buy from Amazons store and the books are so cheap that its not worth the effort of
30、 going elsewhere.While I remain opposed to Amazons DRM(数字版权管理) indeed, Im opposed to DRMon any e-books I have to admit that the implementation is so smooth that mostKindle users wont care at all that their e-books cant be moved to other devices.The e-book trend is nowhere near peaking. Over the next
31、 five years we can expectto see more and more readers move away from printed books and pick up e-books instead.But I dont think that will mean the death of the printed book.There are some who prefer printed books. They like having shelves filled with bookstheyve read and books they plan to read; the
32、y like the feel of the book in theirhands and the different weights and typefaces and layouts of different titles. Inother words, they like the physical form of the book almost as much as the wordsit contains.I can sympathize with those people. As I wrote earlier this week, my ideal situationwould b
33、efore publishers to bundle e-books with printed ones in much the same waythat film studio submit DVDs with digital copies of films. Theres no reason tothink that lovers of printed books will change their minds. There will undoubtedlybe fewer of them as time goes by because more people will grow up w
34、ith e-books andspend little time with printed ones. However, just as there are people who love vinylrecords(黑胶唱片), even if they were born well into the CD era, there will stillbe a dedicated minority who love physical books.Since there are fewer of these people, that will mean fewer bookshops and hi
35、gherprices for printed books but I dont think the picture is entirely bleak. Thereis scope for smaller print runs of lavishly designed printed books and bookshopsaimed at book lovers, rather than the Stieg Larsson-reading masses. With mainstreamreaders out of the printed book market, booklovers migh
36、t even find they get a betterexperience.11. What can be inferred from Paragraph One?A. Most people buy Kindle 2 mainly because of its low price.B. The author of the passage is a loyal customer of Apple products.C. Amazons Kindle 2 surpassed Kindle 1 in designing.D. The sales of e-book outnumbered th
37、ose of paperback in the U. S.12. According to the passage, the reason why the author opposes to Amazons DRMis that _.A. e-books can only be purchased on Amazon. comB. Kindle books are not compatible with other electronic reading devicesC. once implemented, e-books cant be transferred to other equipm
38、entsD. e-books installed on Kindle 2 cant be edited freely13. It can be learned that the trend of e-books _.A. will come to stop any time soonB. will reach the summit in the near futureC. will meet its heyday when printed books dieD. has already reached its peak14. Why does the author believe that t
39、he surging sales of e-books wont mean thedeath of the printed book?A. Because a minority will stick to their love of printed books.B. Because the majority of book lovers wont change their minds.C. Because people always hold nostalgic feelings towards printed books.D. Because people will return to th
40、e printed books as time goes by.15. According to the author, which of the following is TRUE about the future ofprinted books?A. They will be bundled with e-books.B. They will no longer be available in the market.C. They will be sold in small quantity and high quality.D. They will be redesigned to ca
41、ter to the masses.答案及解析一、阅读理解1.答案：C。解析：本题考查事实细节。A 选项表达脸谱网的市场崩溃已经被轻而易举制止了，与文中 Itwould be all too easy to say that Facebooks market meltdown is coming to an end不符;B 选项表达脸谱网增加了与报纸之间的商务往来，与原文中 Facebook has lost valuenearly equal to Yahoo, AOL, Zynga, Yelp, Pandora, Open Table, Groupon, LinkedIn,and Angi
42、es List combined, plus that of the bulk of the publicly traded newspaperindustry 不符;C 选项表达脸谱网自股票上市以来遭受了巨大失败，与原文符合，故本题答案为 C。2.答案：D。解析：本题考查事实细节。定位至 Worse still, all the crises that emerged when thecompany debuted overpriced shares, poor corporate governance, huge challengesto the core business, and a
43、damaged brand remain today. 更糟糕的是，当公司推出高价股票、公司治理不佳、核心业务面临巨大挑战、以及受损品牌的时候，所有的危机依然存在。原句中的 remain today 与 D 选项中的 exist for a long time 属于同义替换，故本题答案为 D。3. 答案：C。解析：本题考查事实细节。根据题干定位至 To justify a stock price close to the lowerend of the projected range in the IPO, say $ 28 a share, Facebooks future growthwo
44、uld have needed to match that of Google seven years earlier. 要实现接近其公开募股说明书上的较低股价，比如每股 28 美元，这就要求脸谱网未来的收益要达到谷歌七年前就达到的水平。接着又提到谷歌七年前的水平为 increasing revenue by some 80 percentannually and maintaining high profit margins all the while. 年收益增长要高达 80%，并始终保持高利润率。C 选项表达保持巨大的收益，符合题意，故本题答案为 C。4.答案：A。解析：本题考查语义猜测
45、。本段提到，脸谱网还没解决如何有效地在移动设备上做广告这一问题，而手机登录网站的用户数量却不断上升，本段中多用 so-so，risk 这类的消极词汇，因此可以推断 Achilles heel，意为致命要害，故本题答案为 A。5.答案：D。解析：本题考查推理判断。根据题干定位至 Not only does that threaten to rub off onusers, its bad for recruitment and retention of talented hackers, who are thelifeblood of Zuckerbergs creation. 脸谱网在市场上的
46、失意不仅会影响到用户，还会影响招募和挽留天才黑客，而这些人正是扎克伯格创造力的命脉。由此可以推断，脸谱网的创新力会因为市场失意受到损伤。故本题答案为 D。6.答案：B。解析：本题考查事实细节。由题干中的 environmentalist opponents 定位到 Toenvironmentalist opponents, GM foods are simply evil, an understudied, possiblyharmful tool used by big agricultural businesses to control global seed markets andcru
47、sh local farmers. 奉行环境保护主义的反对者们反对转基因食品是因为转基因食品邪恶，没有经过充分研究并可能成为大型农业公司控制全球种子市场和压榨当地农民的工具。B 选项表达他们认为转基因食品是被大企业利用来垄断农业的， 符合原文， 故本题答案为 B。7.答案：D。解析： 本题考查事实细节。 根据题干中的 controversy 定位至 For both sides, GM foods seemto act as a symbol: youre pro-agricultural business or anti-science. But scienceis exactly what
48、 we need more of when it comes to GM foods, which is why I was happyto see Nature devote a special series of articles to the GM food controversy. 对对方而言， 转基因食品是一个表明你是亲农业派还是反科学派的标志。 但是当涉及转基因食品时，我们更需要的是科学。故本题答案为 D。8.答案：A。解析：本题考查事实细节。根据题干定位至 The conclusion: while GM crops havent yetrealized their initia
49、l promise and have been dominated by agricultural businesses,there is reason to continue to use and develop them to help meet the enormouschallenge of sustainably feeding a growing planet. 结论：虽然转基因作物还没有实现他们最初的承诺，并一直被农业企业所控制，但有理由继续使用和开发转基因作物，以帮助为人口持续增长的星球持续提供食物。这与 A 项表达的意思相符，故本题答案为 A。9.答案：D。解析：本题考查事实
50、细节。由题干定位至 That doesnt mean GM crops are perfect, ora one-size-fits-all solution to global agriculture problems. But anything that canincrease farming efficiency the amount of crops we can produce per acre of land will be extremely useful. 转基因农作物并不是解决全球农业两题“一劳永逸”的办法，但是任何提高耕作效率的方法都是极为有用的。故本题答案为 D。10.答