问题 多项选择题

商业银行的职能包括()。

A.信用中介 

B.支付中介 

C.发行中介 

D.信用创造 

E.金融服务

答案

参考答案:A, B, D, E

解析:商业银行是最为典型的金融中介机构,其主要职能有:①信用中介职能,是商业银行最基本的职能;②支付中介职能,是其他金融机构所不具备的;③信用创造职能,是在信用中介和支付中介职能的基础上产生的;④金融服务职能,商业银行联系面广、信息灵通,可以为客户提供信息咨询、决策支援、代客收账、代理付费、保管箱业务、代发工资等多方面的金融服务。

阅读理解

C                                           

Are some people born clever and others born stupid? Or is intelligence developed by our environment and our experiences? Strangely enough, the answer to both these questions is yes. To some extent our intelligence is given us at birth, and no amount of special education can make a genius(天才)out of a child born with low intelligence. On the other hand, a child who lives in a boring environment will develop his / her intelligence less than one who lives in rich and varied surroundings. Thus the limits of a person’s intelligence are fixed at birth, but whether or not he / she reaches those limits will depend on his / her environment. This view, now held by most experts, can be supported in a number of ways.

It is easy to show that intelligence is to some extent something we are born with. The closer the blood relationship between two people, the closer they are likely to be in intelligence. Thus if we take two unrelated people at random from the population, it is likely that their degrees of intelligence will be completely different. If on the other hand we take two identical twins, they will very likely be as intelligent as each other. Relations like brothers and sisters, parents and children, usually have similar intelligence, and this clearly suggests that intelligence depends on birth.

Imagine now that we take two identical twins and put them in different environments. We might send one, for example, to a university and the other to a factory where the work is boring. We would soon find differences in intelligence developing,and this indicates that environment as well as birth plays a part.This conclusion is also suggested by the fact that people who live in close contact with each other, but who are not related at all, are likely to have similar degrees of intelligence.

64. The writer holds the view that human beings’ intelligence depends on       .

A) birth                  

B) education

C) both birth and environment                

D) neither birth nor education

65. It can be learned from the passage that if a child is born with low intelligence, he can        .

A) not become a genius.

B) still become a genius if he is given special education.

C) exceed(超过) his intelligence limits in rich surroundings.

D) not fulfill his intelligence in his life.

66. In the second paragraph, “if we take two unrelated people at random from the population” means “if we         ”.

A) pick any two persons.

B) choose two persons who are relatives.

C) take out two different persons on purpose.

D) choose two persons with different intelligence.

67. The example of the twins in the third paragraph is used to show        .

the importance of their intelligence.

the role of environment on intelligence.

the importance of their social positions.

the part that birth plays.

单项选择题