廣東銀行考試網提供以下銀行備考技巧信息：2019年廣東銀行春季校園招聘考試每日一練（5月22日），更多關于廣東銀行春季校園招聘考試每日一練,廣東銀行考試練習,銀行備考技巧的內容，請關注廣東銀行考試網/廣東人事考試網！

　　廣東銀行招聘網提供2019年銀行春季校園招聘考試每日一練，以此來讓考生更好地掌握銀行招聘考試相關知識，想了解更多備考信息請關注廣東銀行招聘網。筆試備考中，您可以通過(機考模擬系統)刷題，提高你的備考成績。

　　Passage 1

　　The term investment portfolio conjures up visions of the truly rich-the Rockefellers, the Wal Mart Waltons, Bill Gates. But today, everyone-from the Philadelphia firefighter, his part time receptionist wife and their three children, to the single Los Angeles lawyer starting out on his own-needs a portfolio.

　　A portfolio is simply a collection of financial assets. It may include real estate, rare stamps and coins, precious metals and even artworks. But those are for people with expertise. What most of us need to know about are stocks, bonds and cash (including such cash equivalents as money market funds).

　　How do you decide what part of your portfolio should go to each of the big three? Begin by understanding that stocks pay higher returns but are riskier, bonds and cash pay lower returns but are less risky.

　　Research by Ibbotson Associates, for example, shows that large company stocks, on average, have returned 11.2 percent annually since 1926. Over the same period, by comparison, bonds have returned an annual average of 5.3 percent and cash, 3.8 percent.

　　But short term risk is another matter. In 1974, a one year $1000 investment in the stock market would have declined to $735.

　　With bonds, there are two kinds of risk: that the borrower won't pay you back and that the money you'll get won't be worth very much. The U.S. government stands behind treasury bonds, so the credit risk is almost nil. But the inflation risk remains. Say you buy a $1000 bond maturing in ten years. If inflation averages about seven percent over that time, then the $1000 you receive at maturity can only buy $500 worth of today's goods.

　　With cash, the inflation risk is lower, since over a long period you can keep rolling over your CDs every year (or more often). If inflation rises, interest rates rise to compensate.

　　As a result, the single most important rule in building a portfolio is this: If you don't need the money for a long time, then put it into stocks. If you need it soon, put it into bonds and cash.

　　1.This passage is intended to give advice on ____.

　　A. how to avoid inflation risks

　　B. what kinds of bonds to buy

　　C. how to get rich by investing in stock market

　　D. how to become richer by spreading the risk

　　【答案】D。通讀全文后可知，本文主要介紹了投資的三種渠道，并分析了每種渠道的利弊(即風險程度)，如何降低風險來投資致富，即D所指“如何降低風險來致富”。A“如何避免通貨膨脹風險”，過于片面;B“買入哪種債券”，不是文章的主題;C“如何通過投資股票市場致富”，也過于片面。所以D為正確答案，可以概括文章中心思想。

　　2.The author mentions such millionaires as the Rockefellers and Bill Gates to show that ____.

　　A. they are examples for us on our road to wealth

　　B. a portfolio is essential to financial success

　　C. they are really rich people

　　D. they started out on their own

　　【答案】D。第一段最后一句話，“But today，...， starting out on his own needs a portfolio.”這是講的今天每個人都可以根據自己的需要進行證券投資;推到前面一句，那么前面提及的百萬富翁也都是根據自己的需要開始證券投資而致富的。A“他們是我們邁向致富之路的榜樣”，不具體，沒有說明如何致富;B“證券投資對于經濟成功很關鍵”，這句話本身是正確的，但與第一段表達的意思不一致;C“他們確實很富裕”，也不是第一段所想要表達的意思。D“他們是從自己開始做起的”，這正是第一段所要表達的意思，即這些百萬富翁是從自己做起開始致富的，而現在每個人都可以這樣做，緊接著引入下面的投資指南。

　　3.Which of the following statements will the author support?( )

　　A. Everybody can get rich with some financial assets.

　　B. The credit risk for treasury bonds is extremely high.

　　C. It's no use trying to know the advantages of stocks, bonds and cash.

　　D. Everybody should realize the importance of distribution of their financial assets.

　　【答案】D。這類題應在理解文章的基礎上，著重比較四個選項，采取排除法。A“只要有一些財產，每個人都可以致富”，憑常識判斷這句話本身就不對，更與作者想要介紹投資渠道的必要性和方法相悖;B“購買國債的信譽風險極高”，這句話與“The U.S. government stands behind Treasury bonds, so the credit risk is almost nil.”意思完全相反;C“了解股票、債券和現金的優勢并無用處”，這與作者的觀點相反;D“每個人都應該意識到金融財產重新分配的重要性。”這正是第一段作者所說的"每個人都可以根據自己的需要采用不同的投資方式致富"的前提。故選D。

　　4.The word "returns" in paragraph three can be best replaced by “____.”

　　A. returning journeys

　　B. profits

　　C. savings

　　D. investments

　　【答案】B。該詞本身的意思是“回來，回報”，再看句子“stocks pay higher returns but are more risky.”是說股票有更高的回報，但風險更大;我們憑常識判斷，股票的回報就是“賺錢，利潤”。比較四個選項，B，profits(利潤)正確。

　　5.The author of the passage points out that ____.

　　A. keeping cash is the only way to avoid risks

　　B. the longer you own a stock, the more you lost

　　C. the high rate of profit and high rate of risk coexist in stocks

　　D. the best way to accumulate wealth is by investing in stocks

　　【答案】C。“作者指出”可以是文章中直接提到的，也可以是作者的言外之意，要結合文章判斷四個選項本身是否正確。A“保留現金是避免風險的唯一方式”，作者鼓勵合理投資，顯然這不是作者意思;B“你持有股票越久，你損失越大”這句話本身有誤，文章中也沒有提及;C“高利潤和高風險在股票市場中同時存在”，這正是第三段中“stocks pay higher returns but are more risky.”意思，所以正確;D“積累財富最好的方式是投資股票”，作者在文章最后明確指出“如果你長期不需要用錢，就投資股票;如果你短期要用，就投資債券和現金。”所以該項也不正確。

　　以上是2019年廣東銀行春季校園招聘考試每日一練（5月22日）的全部內容，更多廣東銀行招聘考試信息敬請加入金融考試群，及關注廣東銀行考試網/廣東人事考試網。

關鍵詞閱讀：

（編輯：廣東華圖）