历年招商银行秋季校园招聘笔试真题及答案解析.docx

1、历年招商银行秋季校园招聘笔试真题及答案解析历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（1-15）一、阅读理解Text 1It would be all too easy to say that Facebooks market meltdown is coming to an end. After all, Mark Zuckerbergs social network burned as much as $ 50 billion of shareholders wealth in just a couple months. To put that in context, sinc

2、e its debut( 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 billion fait

3、hful Facebook users around the world, its no surprise to anyone who read the initial public offering ( IPO) prospectus( 首次公开募股说明书). Worse still, all the crises that emerged when the company debuted overpriced shares, poor corporate governance, huge challenges to the core business, and a damaged bran

4、d remain today. Facebook looks 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 of the projected range in the IPO, say $ 28 a share,

5、 Facebooks future growth would have needed to match that of Google seven years earlier. That would have required increasing revenue by some 80 percent annually and maintaining high profit margins all the while.Thats not happening. In the first half of 2012, Facebook reported revenue of $ 2.24 billio

6、n, up 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 ha

7、snt yet figured out how to advertise effectively on mobile devices, the number of Facebook users accessing the site on their phones surged by 67 percent to 543 million in the last quarter, or more than half its customer base.Numbers are only part of the problem. The mounting pile of failure creates

8、a negative feedback loop that threatens Facebooks future in other ways. Indeed, the more Facebooks disappointment in the market is catalogued, the worse Facebooks image becomes. Not only does that threaten to rub off on users, its bad for recruitment and retention of talented hackers, who are the li

9、fe blood of Zuckerbergs creation.Yet the brilliant CEO can ignore the sadness and complaints of his shareholders thanks to the super-voting stock he holds. This arrangement also was fully disclosed at the time of the offering. Its a pity so few investors apparently bothered to do their homework.1. W

10、hat can be inferred 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 F

11、acebook is facing _.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 enormou

12、sly profitableD. 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

13、 be threatened.B. Talented 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)surrounding genetically modified ( GM) crops. To environmentalist opponents,

14、 GM foods are simply evil, an understudied, possibly harmful tool used by big agricultural businesses to control global seed markets and crush local farmers. They argue that GM foods have never delivered on their supposed promise, that money spent on GM crops would be better channeled to organic far

15、ming and that consumers should be protected with warning labels on any products that contain genetically modified ingredients. To supporters, GM crops are a key part of the effort to sustainably provide food to meet a growing global population. But more than that, supporters see the GM opposition of

16、 many environmentalists as fundamentally anti-science, no different than those who question the basics of man-made climate change.For both sides, GM foods seem to act as a symbol: youre pro-agricultural business or anti-science. But science is exactly what we need more of when it comes to GM foods,

17、which is why I was happy to see Nature devote a special series of articles to the GM food controversy. The conclusion: while GM crops havent yet realized their initial promise and have been dominated by agricultural businesses, there is reason to continue to use and develop them to help meet the eno

18、rmous challenge of sustainably feeding a growing planet.That doesnt mean GM crops are perfect, or a one-size-fits-all solution to global agriculture problems. But anything that can increase farming efficiency the amount of crops we can produce per acre of land will be extremely useful. GM crops can

19、and almost certainly will be part of that suite of tools but so will traditional plant breeding, improved soil and crop management and perhaps most important of all, better storage and transport infrastructure( 基础设施), especially in the developing world. ( It doesnt do much good for farmers in places

20、 like sub-Saharan Africa to produce more food if they cant get it to hungry consumers.) Id like to see more non-industry research done on GM crops not just because wed worry less about bias, but also because seed companies like Monsanto and Pioneer shouldnt be the only entities working to harness ge

21、netic modification. Id like to see GM research on less commercial crops, like corn. I dont think its vital to label GM ingredients in food, but I also wouldnt be against if and industry would be smart to go along with labeling, just as a way of removing fears about the technology.Most of all, though

22、, I wish a tenth of the energy thats spent endlessly debating GM crops was focused on those more pressing challenges for global agriculture. There are much bigger battles to fight.6. How do environmentalist opponents view GM foods according to the passage?A. They will eventually ruin agriculture and

23、 the environment.B. They are used by big businesses 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 sides of the debate?A.

24、Breaking the GM food monopoly.B. More friendly exchange 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

25、 it to live up to its initial promises.C. Measures should 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 s

26、ustainable development of human society.C. GM crops should 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

27、 new science.B. It distracts the public attention from 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

28、 now overtaken paperback sales on Amazons US site. Amazons Kindle 2 is so light and so cheap that its easy to see why people have rushed to buy it. Though Im still not keen on the design of the Kindle, it is a vast improvement on its predecessor and certainly tolerable. Beyond the device itself, Ama

29、zon has done a great job of rolling out Kindle apps, ensuring that people like me who have an iPad but not a Kindle can still join in 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

30、and the books are so cheap that its not worth the effort of going elsewhere.While I remain opposed to Amazons DRM( 数字版权管理) indeed, Im opposed to DRM on any e-books I have to admit that the implementation is so smooth that most Kindle users wont care at all that their e-books cant be moved to other d

31、evices.The e-book trend is nowhere near peaking. Over the next five years we can expect to 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 shelv

32、es filled with books theyve read and books they plan to read; they like the feel of the book in their hands and the different weights and typefaces and layouts of different titles. In other words, they like the physical form of the book almost as much as the words it contains.I can sympathize with those people. As I wrote earlier this week, my ideal situation would before publishers to bundle e-books with printed ones in much the sam