第一篇：7個(gè)人信貸部分2004考題(難)

個(gè)人信貸部分2004考題（難）

依據(jù)：

1、《哈爾濱市商業(yè)銀行個(gè)人信用貸款管理暫行辦法》

2、《哈爾濱市商業(yè)銀行個(gè)人住房抵押貸款管理暫行辦法》

3、《哈爾濱市商業(yè)銀行個(gè)人工資保證貸款管理暫行辦法》

4、《哈爾濱市商業(yè)銀行個(gè)人委托貸款管理暫行辦法》

5、《哈爾濱市商業(yè)銀行汽車消費(fèi)貸款操作規(guī)程》

6、《哈爾濱市商業(yè)銀行個(gè)人二手房貸款操作規(guī)程》

7、《哈爾濱市商業(yè)銀行個(gè)人出國(guó)留學(xué)備用貸款操作規(guī)程》

8、《哈爾濱市商業(yè)銀行個(gè)人質(zhì)押貸款管理暫行辦法》

9、《哈爾濱市商業(yè)銀行公務(wù)員保證貸款管理暫行辦法》

10、《哈爾濱市商業(yè)銀行個(gè)人信貸業(yè)務(wù)審批規(guī)程》

11、《哈爾濱市商業(yè)銀行個(gè)人信貸授權(quán)管理暫行辦法》

12、《哈爾濱市商業(yè)銀行與擔(dān)保公司合作辦理個(gè)人貸款業(yè)務(wù)管理暫行辦法》

13、《哈爾濱市商業(yè)銀行個(gè)人信貸業(yè)務(wù)檔案管理實(shí)施細(xì)則》

14、《關(guān)于切實(shí)加強(qiáng)個(gè)人信貸業(yè)務(wù)貸后檢查工作的通知》

一、判斷題

1、個(gè)人質(zhì)押貸款期限最長(zhǎng)不超得過權(quán)利憑證的到期日。（√）

2、呆帳貸款我行的各管轄行不能自行認(rèn)定。（V）

3、借款人可以用貸款從事股本權(quán)益性投資。（X）

4、借款人有權(quán)拒絕借款合同以外的附加條件。(V)

5、借款人可以不按貸款合同規(guī)定用途使用貸款。(X)

6、個(gè)人貸款均執(zhí)行基準(zhǔn)利率，不得上浮。（×）

7、借款人要求提前歸還貸款的，需經(jīng)貸款行同意并按實(shí)際借款天數(shù)和其相對(duì)應(yīng)的利率檔次計(jì)算利息。（×）

8、借款抵押物的保險(xiǎn)期限不得短于貸款期限。（√）

9、我行在辦理個(gè)人消費(fèi)貸款必須遵循《中華人民共和國(guó)擔(dān)保法》、中國(guó)人民銀行頒布的《貸款通則》等有關(guān)法律法規(guī)。（√）

10、公務(wù)員保證貸款的額度起點(diǎn)是5萬元。（×）

二、單選題

1、借款人累計(jì)（A）未按合同償還貸款本息，擔(dān)保公司在收到《履行擔(dān)保責(zé)任通知書》后30日內(nèi)代借款人向銀行償還逾期的貸款本金及罰息

A 6個(gè)月

B 3個(gè)月

C 2個(gè)月

D 10個(gè)月

2、個(gè)人借款申請(qǐng)書屬于哪類個(gè)人貸款三查資料檔案（C）

A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

3、個(gè)人借款合同屬于哪類個(gè)人貸款三查資料檔案（B）

A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

4、個(gè)人貸款審核通知單屬于哪類個(gè)人貸款三查資料檔案（B）

A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

5、個(gè)人貸款跟蹤檢查表屬于哪類個(gè)人貸款三查資料檔案（A）

A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

6、個(gè)人貸款跟蹤檢查表屬于哪類個(gè)人貸款三查資料檔案（A）A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

7、個(gè)人貸款展期申請(qǐng)書表屬于哪類個(gè)人貸款三查資料檔案（D）

A 貸款檢查檔案

B 貸款審查檔案

C 貸款調(diào)查檔案

D 貸款展期檔案

8、信貸員在貸款合同簽訂后，要在（C）工作日內(nèi)整理好個(gè)人貸款原始資料，交綜合員保管。

A 個(gè)

B 5個(gè)

C 3個(gè)

D 2個(gè)

9、個(gè)人經(jīng)營(yíng)類貸款必須在信貸業(yè)務(wù)發(fā)生（B）內(nèi)進(jìn)行首次跟蹤檢查

A 60天

B 30天

C 10天

D 7天

10、在我行申請(qǐng)1年期質(zhì)押貸款，我行信貸員應(yīng)該（C）檢查一次 A 每月

B 每季

C 每半年

D到期

11、借款人在我行有1年期的個(gè)人抵押貸款，信貸員應(yīng)（B）檢查一次 A 每月

B 每季

C 半年

D到期

12、借款人在我行有1年期的個(gè)人保證貸款，信貸員應(yīng)（B）檢查一次 A 每月

B 每季

C 每半年

D到期

13、分期付息到期一次性還本方式的1年期個(gè)人消費(fèi)類貸款（C）檢查一次 A 每月

B 每季

C 每半年

D到期

14、按月分期還款的個(gè)人貸款逾期1期，我行信貸員應(yīng)在貸款逾期后（D）工作日內(nèi)，電話催收。

A 30個(gè)

B 15個(gè)

C 7個(gè)

D 5個(gè)

15、按月分期還款的個(gè)人貸款逾期2期，我行信貸員應(yīng)在貸款逾期后應(yīng)（B）A 電話催收

B 上門催收

C 現(xiàn)場(chǎng)調(diào)查

D 采取保全措施

16、借款人在我行的1年期抵押貸款貸款即將到期，如展期最長(zhǎng)可選擇下列哪一展期期限（B）A 2年

B 11個(gè)月

C 6個(gè)月

D 3個(gè)月

17、借款人與貸款人的借貸業(yè)務(wù)往來應(yīng)當(dāng)遵循（C）平等、誠(chéng)實(shí)和信用的原則 A 自尊

B 自強(qiáng)

C 自愿

D 自信

18、同一債務(wù)有兩個(gè)以上的保證人，保證人沒有約定各自擔(dān)保份額的，保證人對(duì)債務(wù)（Ｂ）

Ａ、承擔(dān)按份責(zé)任，按照保證人的財(cái)產(chǎn)比例承擔(dān)保證責(zé)任

Ｂ、承擔(dān)連帶責(zé)任，每個(gè)保證人都對(duì)整個(gè)債務(wù)承擔(dān)全部清償?shù)呢?zé)任

Ｃ、平均承擔(dān)保證責(zé)任

Ｄ、協(xié)商承擔(dān)保證責(zé)任

19、以房屋抵押貸款，房屋及其占用范圍內(nèi)的土地使用權(quán)（Ｂ）

Ａ、可以分別抵押

Ｂ、應(yīng)當(dāng)同時(shí)抵押給一個(gè)抵押權(quán)人

Ｃ、只能將前者設(shè)定抵押

Ｄ、均應(yīng)由工商行政管理機(jī)關(guān)登記

20、貸款的展期加上原期限達(dá)到新的利率期限檔次時(shí)，貸款利息（D）利率計(jì)收利息

Ａ、仍按原合同

Ｂ、按新的期限檔次

Ｃ、從貸款之日起按新的期限檔次

Ｄ、從展期之日起，按新的期限檔次

21、我行和李某簽訂貸款協(xié)議，約定由張某做擔(dān)保人，保證合同規(guī)定，李某不償還貸款時(shí)，由張某承擔(dān)保證責(zé)任。本案中保證的方式屬于（Ｂ）

Ａ、一般保證 Ｂ、連帶保證 Ｃ、任意保證 Ｄ、未設(shè)立保證

22、代理人在代理權(quán)限范圍內(nèi)實(shí)施代理行為，其法律后果由（Ｃ）承擔(dān)。Ａ、代理人 Ｂ、第三人 Ｃ、被代理人 Ｄ、代理人的所在單位

三、多項(xiàng)選擇

1、下列哪些資料屬于個(gè)人貸款調(diào)查檔案（ACD）A 借款保證人情況調(diào)查表 B 借款合同

C 借款人婚姻狀況證明 D 借款人收入證明

2、下列哪些資料屬于個(gè)人貸款審查檔案（BCD）A 借款保證人情況調(diào)查表 B 借款合同 C 保證合同 D 抵押物清單

3、下列哪些資料屬于個(gè)人貸款檢查檔案（AB）A 個(gè)人貸款跟蹤檢查表 B 季度個(gè)人貸款專戶報(bào)告 C 保證合同 D 抵押物清單

4、下列哪些資料屬于個(gè)人貸款展期檔案（ABD）A 貸款展期協(xié)議 B 貸款展期申請(qǐng)書 C 還款計(jì)劃

D 貸款展期審批通知單

5、個(gè)人經(jīng)營(yíng)類貸款的首次檢查內(nèi)容主要是（AB）A 客戶是否按照合同約定用途使用信貸資金 B 客戶對(duì)合同限制條款的落實(shí)情況 C 是否按時(shí)還息 D 經(jīng)營(yíng)的狀況

6、對(duì)1年期的個(gè)人房產(chǎn)抵押貸款進(jìn)行檢查，主要內(nèi)容包括（ACD）A 對(duì)借款人個(gè)人信息進(jìn)行檢查 B 對(duì)保證人個(gè)人信息進(jìn)行檢查 C 對(duì)借款用途進(jìn)行檢查 D 對(duì)抵押品進(jìn)行檢查

7、對(duì)個(gè)人借款的借款用途進(jìn)行檢查內(nèi)容主要包括（ABCD）A 信貸資金使用用途的合法性 B 信貸資金使用用途的合規(guī)行 C 信貸資金使用用途的真實(shí)性

D 監(jiān)督客戶身產(chǎn)、經(jīng)營(yíng)和財(cái)務(wù)狀況是否正常

8、下列哪種說法不正確有的（BCD）A 短期貸款展期不能超過原貸款期限。B 短期貸款展期不能超過三個(gè)月 C 短期貸款展期可以超過原貸款期限 D 短期貸款展期不能超過2年

9、借款人申請(qǐng)將在我行的1年期抵押貸款展期，請(qǐng)問其可以選擇幾種展期期限（ABD）A 3個(gè)月

B

6個(gè)月

C

13個(gè)月

D 11個(gè)月

10、借款人與貸款人的借貸業(yè)務(wù)往來應(yīng)當(dāng)遵循（ABCD）的原則 A 自愿 B平等 C 誠(chéng)實(shí) D 信用

11、貸款五級(jí)分類包括（正常）、（A）、（次級(jí)）、（C）和（損失）五種。A 關(guān)注

B 呆滯

C 可疑

D 呆帳

12、按照貸款五級(jí)分類，不良貸款包括（BCD）

A 關(guān)注

B 次級(jí)

C 可疑

D 損失

13、保證的方式分為（A）保證和（D）保證。

Ａ、一般 Ｂ、抵押 Ｃ、質(zhì)押 Ｄ、連帶

14、個(gè)人消費(fèi)貸款按擔(dān)保方式可分為：（ＢＣＤ）

Ａ、信用貸款 Ｂ、抵押貸款 Ｃ、質(zhì)押貸款 Ｄ、保證擔(dān)保貸款

第二篇：2013部分編導(dǎo)考題

2013部分編導(dǎo)考題

1山西聯(lián)考：張藝謀的《英雄》，《十面埋伏》，《滿城盡帶黃金甲》，《金陵十三釵》。2遼寧師范：《楊瀾訪談錄》，采訪的山西新絳中學(xué)校長(zhǎng)寧致義，看片 3湖南師范：《土樓》專題片，看片 4江西師范：《我與地壇》央視專題片，看片

5重慶師范：張藝謀的任意一部影片，默評(píng)，編故事是軍團(tuán)，一個(gè)退伍軍人在一天早上接

到一個(gè)電話，電話那邊的人自稱是退伍軍人的父親，并且說自己和退伍軍人同歲，都是九十歲，可是退伍軍人卻說自己的父親八十五歲時(shí)就去世啦，現(xiàn)在應(yīng)該一百二十三歲，那電話里的人是誰哪？請(qǐng)以此改變或續(xù)寫。

6云南師范：《巴頓將軍》《那人，那山，那狗》，《櫻桃的滋味》默評(píng)

7曲阜師范：《讓子彈飛》《金陵十三釵》《舌尖上的中國(guó)》默評(píng)

8信陽(yáng)師范：編寫故事《得讓人處且饒人》

9安陽(yáng)師范：《我的父親母親》《十二生肖》還有兩部實(shí)在記不得啦，呵呵

10洛陽(yáng)師范：編故事：學(xué)校門口的人越來越多……

11南陽(yáng)師范：編故事

12重慶郵電: 專題片《江南》，編故事有個(gè)人收到一條短信，說他中獎(jiǎng)啦，只要自助機(jī)交費(fèi)

700，就可以獲得3G手機(jī)，同時(shí)還有1000元充值卡和6000元現(xiàn)金，這個(gè)人立刻跑回家去……..以此編寫故事

13河南大學(xué)：《紅高粱》《讓子彈飛》《阿甘正傳》默評(píng)

14成都理工：編故事,草船借箭

15四川綿陽(yáng)：任意一部張藝謀的電影

16南昌大學(xué);好像是影片《歸途》

17云南藝術(shù)：《杜樂比花園》還有一個(gè)學(xué)校也考得這個(gè)

18寶雞文理：《牧馬人》看片段寫影評(píng)，還有一道簡(jiǎn)答題是生和與藝術(shù)的關(guān)系

19廣西民族：微電影

20許昌學(xué)院：《紅高粱》，《陽(yáng)光燦爛的日子 默評(píng)

21長(zhǎng)春工業(yè)：《舍得》看片，編故事是金魚，幼兒園，水晶項(xiàng)鏈

22中原工學(xué)院：《這個(gè)殺手不太冷》編故事是2個(gè)情節(jié)，第一是空蕩蕩的湖邊，突然聽見嘎的一聲水禽驚叫聲，第二是菜市場(chǎng)門口，當(dāng)三貝的靈柩穿過街口，許多老人及賣白菜的老孀，都羨慕地神氣說：“好熱鬧闊綽的喪事啊”。

23河北傳媒：編故事《溫暖》，影評(píng)《初吻》

24重慶文理：廣告策劃

25南陽(yáng)理工：看片《一個(gè)叫完美的紅綢魚料理》

26吉林藝術(shù)：寫作《他們》

27安陽(yáng)工學(xué)院：類似語文卷子的格式，影評(píng)是《霸王別姬》片段，28遼寧大學(xué)：鐵算盤辦學(xué)校

29:四川外國(guó)語大學(xué)：《大國(guó)崛起》第二集

30山東師范：《讓子彈飛》《建黨偉業(yè)》《集結(jié)號(hào)》《泰囧》任選一部默評(píng)，編故事是車站，還有一個(gè)學(xué)校也是考的車站。電視作品賞析《舌尖上的中國(guó)》《感動(dòng)中國(guó)》，《非你莫屬》《百家講壇》任選。還有一則故事是釣魚，寫一篇文章，600字

有N個(gè)學(xué)校的名詞解釋考到空鏡頭，平行蒙太奇。

以上是鄙人費(fèi)盡腦瓜想的，如有雷同，純屬巧合。

第三篇：企業(yè)文化部分考題

企業(yè)文化測(cè)試

總共23題共78分

一.多選（共8題,共24分）

1.下面有關(guān)中國(guó)移動(dòng)企業(yè)文化理念體系的核心內(nèi)涵的說法，正確的有：（）（3分）

A.中國(guó)移動(dòng)企業(yè)文化理念體系的核心內(nèi)涵是成為卓越品質(zhì)的創(chuàng)造者

B.中國(guó)移動(dòng)企業(yè)文化理念體系的核心內(nèi)涵是“責(zé)任”和“卓越”

C.將成為“負(fù)責(zé)任”和“最優(yōu)秀”的企業(yè)和個(gè)人作為自己的追求是對(duì)企業(yè)文化內(nèi)涵的深刻體現(xiàn)?！飿?biāo)準(zhǔn)答案：B,C

2.下列關(guān)于“正德厚生，臻于至善”的緣起的理解，正確的有哪些？（）（3分）

A.“正德厚生，臻于至善”是對(duì)中華民族“坤厚載物”的責(zé)任感，“健行不息”的自強(qiáng)心的人文精神的繼承和發(fā)揚(yáng)。

B.“正德厚生，臻于至善”是中國(guó)移動(dòng)人神圣責(zé)任感的承載和追求卓越情結(jié)的傳述。

C.“正德厚生，臻于至善”的核心價(jià)值觀的提出是中國(guó)移動(dòng)對(duì)過去的總結(jié)和對(duì)未來的展望?！飿?biāo)準(zhǔn)答案：A,B,C

3.下列關(guān)于“正德厚生”的理解正確的有哪些：（）（3分）

A.“正德厚生”是對(duì)個(gè)體品性、修養(yǎng)、行為的一種以“責(zé)任”為核心要義的道德情操要求。

B.“正德”強(qiáng)調(diào)個(gè)體責(zé)任和對(duì)自我的約束

C.“正德厚生”體現(xiàn)的是一種關(guān)愛民生、兼及天下的濟(jì)世情懷。

D.“厚生”強(qiáng)調(diào)社會(huì)責(zé)任和對(duì)社會(huì)的奉獻(xiàn)。

★標(biāo)準(zhǔn)答案：A,B,C,D

4.秉承“正德厚生，臻于至善”的信仰，中國(guó)移動(dòng)以承擔(dān)責(zé)任的胸懷、追求卓越的精神，提出六大承諾，請(qǐng)按照“對(duì)客戶的承諾、對(duì)投資者的承諾、對(duì)員工的承諾、對(duì)合作伙伴的承諾、對(duì)同業(yè)者的承諾、對(duì)社會(huì)的承諾”內(nèi)容次序選出正確的答案（A或B）：（）（3分）

A.①做最具價(jià)值的創(chuàng)造者。②做為客戶提供卓越品質(zhì)的移動(dòng)信息專家。③成為引領(lǐng)產(chǎn)業(yè)和諧發(fā)展的核心力量。④成為員工實(shí)現(xiàn)人生價(jià)值的最佳舞臺(tái)。⑤做優(yōu)秀企業(yè)公民成為促進(jìn)良性競(jìng)爭(zhēng)、推動(dòng)共同發(fā)展的主導(dǎo)運(yùn)營(yíng)商。⑥做優(yōu)秀企業(yè)公民。

B.①做為客戶提供卓越品質(zhì)的移動(dòng)信息專家。②做最具價(jià)值的創(chuàng)造者。③成為員工實(shí)現(xiàn)人生價(jià)值的最佳舞臺(tái)。④成為引領(lǐng)產(chǎn)業(yè)和諧發(fā)展的核心力量。⑤成為促進(jìn)良性競(jìng)爭(zhēng)、推動(dòng)共同發(fā)展的主導(dǎo)運(yùn)營(yíng)商。⑥做優(yōu)秀企業(yè)公民。

★標(biāo)準(zhǔn)答案：B

5.下面的描述中，正確的有：（）（3分）

A.“創(chuàng)無限通信世界”的定位突出了中國(guó)移動(dòng)通信的主導(dǎo)地位，強(qiáng)調(diào)了中國(guó)移動(dòng)作為骨干和支撐力量的責(zé)任和使命

B.“無極限”的通信意味著中國(guó)移動(dòng)通信需要提供個(gè)性化的、客戶可以按需定制的通信服務(wù)。

C.中國(guó)移動(dòng)的追求就是讓所有人享受到隨時(shí)、隨地、隨意溝通的快樂。

D.“創(chuàng)無限通信世界”表明了中國(guó)移動(dòng)作為通信業(yè)的“先知先覺”的領(lǐng)航員的信心和實(shí)力?！飿?biāo)準(zhǔn)答案：A,B,C,D

6.以“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)發(fā)展的必然，在以下答案中請(qǐng)選擇體現(xiàn) “我必須”的內(nèi)容是（）（3分）

A.“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)內(nèi)生企業(yè)品性的自在要求，是秉承“正德厚生，臻于至善”價(jià)值觀的必然。

B.“成為卓越品質(zhì)的創(chuàng)造者”是對(duì)多年來樹立的“移動(dòng)信息專家”形象的傳承和升華。

C.“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)在新的內(nèi)外部環(huán)境下保持優(yōu)勢(shì)和價(jià)值增長(zhǎng)的必由之路。

D.“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)實(shí)現(xiàn)從優(yōu)秀到卓越的落腳點(diǎn)。

★標(biāo)準(zhǔn)答案：C

7.下列關(guān)于“做卓越品質(zhì)的創(chuàng)造者”的企業(yè)愿景的理解正確的有哪些：（）（3分）

A.“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)秉承“正德厚生，臻于至善”價(jià)值觀和“創(chuàng)無限通信世界，做信息社會(huì)棟梁”的企業(yè)使命的必然。

B.“成為卓越品質(zhì)的創(chuàng)造者”是中國(guó)移動(dòng)實(shí)現(xiàn)從優(yōu)秀到卓越的落腳點(diǎn)。

C.卓越的運(yùn)營(yíng)體系、卓越的組織、卓越的人是中國(guó)移動(dòng)鍛造卓越的核心驅(qū)動(dòng)因素。

★標(biāo)準(zhǔn)答案：A,B,C

8.成為卓越品質(zhì)創(chuàng)造者的內(nèi)涵有：（）（3分）

A.“領(lǐng)先的網(wǎng)絡(luò)質(zhì)量”

B.“精準(zhǔn)的計(jì)費(fèi)系統(tǒng)”

C.“深入的客戶理解”

D.“滿意的客戶服務(wù)”

E.“創(chuàng)新的業(yè)務(wù)產(chǎn)品”

F.“值得信賴的品牌”

★標(biāo)準(zhǔn)答案：A,B,C,D,E,F

二.判斷（共6題,共6分）

1.企業(yè)文化是在現(xiàn)代化大生產(chǎn)與市場(chǎng)經(jīng)濟(jì)的發(fā)展基礎(chǔ)上逐步產(chǎn)生的一種以現(xiàn)代科學(xué)管理為基礎(chǔ)的新型的管理理論和管理思想，也是企業(yè)全體員工在創(chuàng)業(yè)和發(fā)展過程中培育形成并共同遵守的最高目標(biāo)、價(jià)值標(biāo)準(zhǔn)、基本信念以及行為規(guī)范的總和。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：正確

2.理念層是企業(yè)文化的核心，反映了企業(yè)的信仰和追求，是企業(yè)的靈魂，是形成制度文化和物質(zhì)文化的思想基礎(chǔ)。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：正確

3.企業(yè)是根，文化是樹，對(duì)于一個(gè)企業(yè)來說，企業(yè)文化是自我凝聚、自我調(diào)整、自我激勵(lì)、取得不斷成功的不竭動(dòng)力。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：錯(cuò)誤

4.企業(yè)文化是國(guó)際優(yōu)秀企業(yè)經(jīng)營(yíng)成功的重要推動(dòng)因素，可以看出，優(yōu)秀的企業(yè)文化是企業(yè)成功的必備條件。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：正確

5.核心價(jià)值觀是企業(yè)文化理念體系的核心，是形成使命、愿景的根本動(dòng)力、精神源泉和決定因素。使命、愿景是核心價(jià)值觀在企業(yè)發(fā)展領(lǐng)域的價(jià)值追求的具體體現(xiàn)，是核心價(jià)值觀在企業(yè)活動(dòng)中的承載和表現(xiàn)。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：正確

6.2001年，中國(guó)移動(dòng)確立了以“創(chuàng)無限通信世界，做信息社會(huì)棟梁”的企業(yè)使命為核心的企業(yè)理念體系。（1分）

錯(cuò)誤

正確

★標(biāo)準(zhǔn)答案：正確

三.填空（共9題,共48分）

1.企業(yè)文化包含三個(gè)層次：、、、。（6分）★標(biāo)準(zhǔn)答案：1.物質(zhì)層;2.制度層;3.精神層;4.理念層;

2.中國(guó)移動(dòng)的企業(yè)文化建設(shè)經(jīng)歷了一個(gè)〉〉〉的不斷進(jìn)步、不斷提升的過程。（8分）

★標(biāo)準(zhǔn)答案：1.實(shí)踐;2.認(rèn)識(shí);3.再實(shí)踐;4.再認(rèn)識(shí);

3.中國(guó)移動(dòng)企業(yè)文化理念體系由、、三部分組成。（6分）★標(biāo)準(zhǔn)答案：1.核心價(jià)值觀;2.使命;3.愿景;

4.中國(guó)移動(dòng)的核心價(jià)值觀是“,”，是中國(guó)移動(dòng)和每一個(gè)成員共同的價(jià)值追求、價(jià)值評(píng)價(jià)標(biāo)準(zhǔn)和所崇尚的精神。（2分）

★標(biāo)準(zhǔn)答案：1.正德厚生;2.臻于至善;

5.中國(guó)移動(dòng)的使命是“,”，表達(dá)了中國(guó)移動(dòng)存在的根本目的和原因。（2分）

★標(biāo)準(zhǔn)答案：1.創(chuàng)無限通信世界;2.做信息社會(huì)棟梁;

6.中國(guó)移動(dòng)的愿景是“”，是我們?cè)谝欢A段內(nèi)期望達(dá)到戰(zhàn)略目標(biāo)和發(fā)展藍(lán)圖。（2分）

★標(biāo)準(zhǔn)答案：1.成為卓越品質(zhì)的創(chuàng)造者;

7.中國(guó)移動(dòng)企業(yè)文化理念體系的核心內(nèi)涵是“”和“”。（4分）★標(biāo)準(zhǔn)答案：1.責(zé)任;2.卓越;

8.打造卓越品質(zhì)三大驅(qū)動(dòng)元素是：打造“”；建設(shè)“”；培育

“”。（6分）

★標(biāo)準(zhǔn)答案：1.卓越的運(yùn)營(yíng)體系;2.卓越的組織;3.卓越的人才;

9.“打造卓越的運(yùn)營(yíng)體系”，意味著中國(guó)移動(dòng)將努力建成：一流的；一流的；一流的；一流的；一流的；一流的。（12分）

★標(biāo)準(zhǔn)答案：1.通信網(wǎng)絡(luò);2.運(yùn)營(yíng)支撐系統(tǒng);3.服務(wù)體系;4.營(yíng)銷體系;5.業(yè)務(wù)開發(fā)體系;

6.企業(yè)IT系統(tǒng);

第四篇：淺談農(nóng)村信貸回收難

淺談農(nóng)村信貸回收難

農(nóng)村信貸農(nóng)村信用社為解決農(nóng)戶生產(chǎn)經(jīng)營(yíng)活動(dòng)和生活、消費(fèi)資金以多種方式發(fā)放的貸款，而農(nóng)戶貸款又是農(nóng)村信用社貸款營(yíng)銷主渠道。在工作中我們發(fā)現(xiàn)，貸款在發(fā)放、使用、管理、回收過程中存在著諸多風(fēng)險(xiǎn)。信貸資產(chǎn)質(zhì)量是農(nóng)村信用社的生命，沒有優(yōu)質(zhì)的信貸資產(chǎn)質(zhì)量，農(nóng)村信用社實(shí)現(xiàn)深化改革持續(xù)發(fā)展就無從談起。筆者現(xiàn)僅站在社會(huì)的角度對(duì)農(nóng)村信貸存在回收難的現(xiàn)象發(fā)表如下個(gè)人看法。

貸款回收難的現(xiàn)象在很的多地方都有存在，就其原因在于兩個(gè)方面：首先在于信貸機(jī)構(gòu)方面，信貸員對(duì)業(yè)務(wù)操作程序的學(xué)習(xí)和掌握相對(duì)容易，但實(shí)際操作卻出現(xiàn)偏差；其次在借款人方面，借款人按期償還貸款，是守信用的標(biāo)志，但是有的借款人在舊的貸款尚未清償?shù)那闆r下，向信貸員申請(qǐng)為其辦理一筆新的貸款，用以清償舊的貸款乃至拖欠不還的現(xiàn)象較為普遍。

為解決存在的上述兩個(gè)問題，筆者認(rèn)為應(yīng)在以下兩個(gè)方面予以注意：

一、實(shí)行信貸員工作輪換、移交制度。

信貸員管轄的貸款戶較多，業(yè)務(wù)發(fā)生頻繁，包片時(shí)間過長(zhǎng)，容易利用人熟、地熟優(yōu)勢(shì)，隱蔽風(fēng)險(xiǎn)貸款。實(shí)行信貸員包片工作輪換制度，可使信貸人員不敢輕易發(fā)放違規(guī)貸款，從而達(dá)到抑制信貸人員道德風(fēng)險(xiǎn)的作用；同時(shí)通過輪換、移交使信貸員違規(guī)操作信貸業(yè)務(wù)的具體情況暴露無遺，防止信貸人員經(jīng)管責(zé)任劃分不清的問題，促使接管的信貸人員較快地開展工作。

二、建立信用貸款機(jī)制，化解潛在貸款風(fēng)險(xiǎn)。

信貸前，根據(jù)農(nóng)戶的信用背景、資產(chǎn)狀況、債務(wù)情況及行為模式，通過合理的方法計(jì)算出借貸人較為可靠的信用度；信貸完成后，開展信貸回訪工作，檢查貸款質(zhì)量，看有無頂名、冒名等違規(guī)貸款，以便于及時(shí)發(fā)現(xiàn)問題，堵塞漏洞，防范案件發(fā)生。

對(duì)于借款人存在的“借新還舊” 的貸款現(xiàn)象，要掌握好以下原則：一是借款人生產(chǎn)經(jīng)營(yíng)是否基本正常；二是借款人需先歸還部分貸款本金和全部欠息；三是貸款期限原則上不超過一年。除自然災(zāi)害外，對(duì)借款人再次要求辦理借新還舊的，原則上不予辦理，采取提前收回貸款，到期減少續(xù)貸，停止貸款或訴訟的措施，清收貸款本息，建立這種信貸退出機(jī)制，為信貸風(fēng)險(xiǎn)的防范創(chuàng)造良好的社會(huì)環(huán)境。

第五篇：國(guó)航辯論部分考題

國(guó)航辯論部分考題

1.High school students should study abroad, or not?

中學(xué)生是否應(yīng)該出國(guó)留學(xué)

正方:(1)留學(xué)生可以作為文化交流的使者。

(2)如果我們生活在一個(gè)外語的環(huán)境里，我們能夠更快地學(xué)習(xí)一門外語。

(3)我們可以領(lǐng)略國(guó)外的優(yōu)美風(fēng)光并開闊眼界，學(xué)習(xí)西方國(guó)家先進(jìn)的思想理念。(4)出國(guó)留學(xué)可以培養(yǎng)學(xué)生獨(dú)立生活的能力和毅力，樹立吃苦耐勞的精神。(5)回國(guó)之后在職場(chǎng)上會(huì)有更好的競(jìng)爭(zhēng)力。

反方:(1)到海外留學(xué)的學(xué)生面臨新的環(huán)境，生活上會(huì)遇到種種的不適應(yīng)。

(2)當(dāng)我們遠(yuǎn)離家鄉(xiāng)和父母的時(shí)候，我們會(huì)感到孤獨(dú)和想家。(3)對(duì)于家境不太殷實(shí)的家庭來說，留學(xué)無疑是很大的經(jīng)濟(jì)負(fù)擔(dān)。(4)國(guó)外大學(xué)寬進(jìn)嚴(yán)出，畢業(yè)并不容易。

(5)留學(xué)生并不一定能夠提升職業(yè)競(jìng)爭(zhēng)能力，留學(xué)并不代表成功。positive side:(1)Students abroad can act as messengers for culture exchange.(2)If we live in a foreign language environment, we are able to learn a foreign language more quickly.(3)Studying abroad makes us enjoy the beautiful scenery abroad , expands our horizons and provides an opportunity for us to learn advanced ideas in western countries.(4)Studying abroad can cultivate the students’ ability in self-supporting and help them to establish the spirit of hard.(5)After they returning to their countries, they will have a better competitiveness for the workplace.negative side:(1)Students abroad will have difficulties adapting to the new environment.(2)When we are far away from our hometown and our parents, we may feel lonely and homesick.(3)For the family which is not rich, studying abroad is also a great economic burden undoubtedly.(4)It is not easy to graduate from foreign universities because of their management system of “come in easily,out strictly”.(5)It is not necessary for students abroad to improve their professional competitiveness.Studying abroad doesn’t mean success.Is it good or bad to study abroad?

Attending schools abroad has many advantages.The living experience may teach them to be independent and more adaptable to new environment.They can act as mediators between different peoples, learn much more advanced knowledge and a foreign language more quickly.However, they’ll come across a series of challenges.They’re far away from their parents and don’t have enough Chinese friends.So, they may feel lonely and homesick and deal with everything by themselves.Studying abroad is also a great economic burden to their parents.Moreover, they’re not sure to make a great achievement.Since students can enjoy education of the same quality in China, why should they bother to study abroad?

Therefore, whether it’s good or not to study abroad depends on the individual.2.We should celebrate western festivals,or not? 我們是否應(yīng)該慶祝西方節(jié)日

正方:(1)慶祝西方節(jié)日作為文化交流的一種形式，是不可避免的。

(2)西方節(jié)日被越來越多的人接受。對(duì)于我們來說，慶祝西方節(jié)日已經(jīng)成為一種趨勢(shì)。

(3)一些西方節(jié)日不僅人性化，而且具有教育意義。慶祝西方節(jié)日豐富了人們的生活、愉悅了人們的身心。

反方:(1)慶祝西方節(jié)日，在一定程度上意味著對(duì)我們國(guó)家的忽視。

(2)慶祝西方節(jié)日是一種浪費(fèi)的行為，會(huì)造成不必要的消費(fèi)。(3)自始至終，慶祝我們的傳統(tǒng)文化是永恒的主流。

positive side:(1)Celebrating western festivals is a kind of unavoidable cultural exchange.(2)Western festivals are accepted by more and more people.And it’s the tendency for us to celebrate western festivals.(3)Some western festivals are humanistic and educational.And celebrating western festivals helps to rich people’s life and relax themselves.negative side:(1)Celebrating western festivals to some extent is a kind of behaviour means overlooking our country.(2)Celebrating western festivals may be a great waste and cause some unnecessary consumption.(3)Celebrating our own traditional festivals is the mainstream throughout the time.我認(rèn)為我們應(yīng)該尊重我們的傳統(tǒng)文化，這些節(jié)日是中國(guó)文化的一部分。與此同時(shí)，我們也可以在歡樂中度過西方節(jié)日。有以下幾點(diǎn)原因。

第一，傳統(tǒng)節(jié)日已經(jīng)成為了中國(guó)文化的象征。這些都是我們的非物質(zhì)文化遺產(chǎn)，我們應(yīng)該肩負(fù)起保護(hù)、振興它們的責(zé)任。第二，傳統(tǒng)節(jié)日也給我們提供了一個(gè)非常好的機(jī)會(huì)，能給我們提供一個(gè)與家人、朋友團(tuán)聚的機(jī)會(huì)。更為重要的是，假日幫助旅游業(yè)快速增長(zhǎng)。人們喜歡在假日時(shí)旅游。最后，許多外國(guó)人都喜歡過中國(guó)的傳統(tǒng)節(jié)日。這對(duì)于跨文化交流非常有利。

總之，世界之間的距離越來越小。我們應(yīng)該保護(hù)我們的文化，我們也可以慶祝西方節(jié)日，其目的是為了增進(jìn)跨文化交流。

As far as I am concerned, we should value our traditional festivals, which have been an part of the Chinese culture, and meanwhile, we can have a taste of the western festivals just for fun.There are several reasons.First of all, the traditional festivals have been the symbol of Chinese culture.They are the most precious intangible cultural heritage.We should shoulder the responsibility of protecting and promoting them.Secondly, the traditional festivals offer us the most important occasions for family reunion and the expansion of social connections.What is more, the traditional festivals provide great opportunities for the travel industry.People like travel in some holidays.Finally, a lot of foreigners are fond of our traditional festivals.It is benefical for intercultural communication.In a word, the world is getting smaller and smaller.We should protect our culture on the one hand and on the other hand, we can also celebrate the western festivals for the sake of intercultural communication.3.Books will be replaced by e-book, or not? 電紙書是否會(huì)取代紙質(zhì)書

正方:(1)電子書比紙質(zhì)書更便宜。

(2)看電子書很方便, 如果你有一個(gè)像Kindle這樣的電子閱讀器，你可以隨時(shí)隨地閱讀成千上萬本書。(3)隨著科技的飛速發(fā)展，用電子閱讀器上看書會(huì)使你覺得就像是閱讀傳統(tǒng)書籍一樣。

(4)電子書是友好環(huán)境的產(chǎn)品，可以減少資源浪費(fèi)。反方:(1)人們使用傳統(tǒng)書籍來學(xué)習(xí)已經(jīng)很長(zhǎng)一段時(shí)間了。

(2)傳統(tǒng)書籍種類廣泛，而電子書則是資源短缺。(3)電子閱讀器的技術(shù)還不成熟，維修費(fèi)成本較高。

positive side:(1)E-book is much cheaper than paper-book.(2)E-book is more convenient than paper-book.If you have an electronic reader such as Kindle, you can read thousands of books anytime anywhere.(3)With the rapid development of technology, you will feel you are reading a traditional book on the electronic readers.(4)The e-book is an environmentally friendly product which can reduce the waste of resources.negative side:(1)People have used traditional books to study for a long time.(2)Traditional books have a great variety of books while e-books can be lacking.(3)The technology of the electronic reader is still immature, thus the cost of maintenance is high.隨著科技的快速發(fā)展，人們被各種各樣的電子產(chǎn)品所包圍。越來越多的人們傾向于用電腦或者手機(jī)看書，而不是到圖書館看書。因此，一場(chǎng)關(guān)于電子書是否會(huì)取代紙質(zhì)書的爭(zhēng)議展開了。就我看來，我認(rèn)為電子書終將取代紙質(zhì)書。原因如下：

首先，電子書比紙質(zhì)書更便宜。

其次，電子書比紙質(zhì)書更加方便。如果你有一個(gè)像Kindle這樣的電子閱讀器，你可以隨時(shí)隨地閱讀成千上萬本書。

再者，隨著科技的飛速發(fā)展，用電子閱讀器上看書會(huì)使你覺得就像是閱讀傳統(tǒng)書籍一樣。更為重要的是，電子書是友好環(huán)境的產(chǎn)品，可以減少資源浪費(fèi)?？傊娮訒K將取代紙質(zhì)書。

With the quick development of technology, people are surrounded by all kinds of electronic devices.And more people are tending to read books by computers or phones rather than go to library to read books.Hence, there is a hot debate on whether e-books will replace paper-books.For my perspective, I think e-book will replace paper-book eventually.Reasons are listed below.Firstly, e-book is much cheaper than paper-book.Secondly,e-book is more convenient than paper-book.If you have an electronic reader such as Kindle, you can read thousands of books anytime anywhere.Thirdly，with the rapid development of technology, you will feel you are reading a traditional book on the electronic readers.And most importantly,the e-book is an environmentally friendly product which can reduce the waste of resources.All in all, e-book will replace paper-book in the near future.4.Live in the dormitory and rent a house during the university,which is better? 大學(xué)生住宿舍，在外租房子住，哪個(gè)更好？ 住宿舍更好:(1)住學(xué)校宿舍教育設(shè)施齊全，而且住宿費(fèi)比每月租金便宜很多。

(2)學(xué)會(huì)與同學(xué)和睦相處，在集體生活中提高了人際交往能力，也收獲了寶貴的友誼。

(3)在校外住宿面臨著一些安全問題。

(4)在校外租房的大學(xué)生得不到監(jiān)督，容易放松自己，出現(xiàn)遲到、曠課等現(xiàn)象。

在外租房子好:

(1)宿舍既小又吵,夏天熱，冬天冷，住著不舒服。(2)有自己的私人空間，較自由。

(3)生活中還少了很多不必要的矛盾和猜忌，也就等于節(jié)約了不少時(shí)間，用來做更有意義的事。

(4)住學(xué)校宿舍不利于學(xué)習(xí)，尤其是進(jìn)修考研。Living in the dormitory is better：

(1)A lot of educational facilities are at hand on campus and the accommodation fee is much lower than the monthly rent.(2)By sharing a room with others,one learns how to get along with classmates，improves interpersonal skills in the collective life and also gains precious friendship.(3)There may appear some safety problems as you live outside of the school.(4)The students who live outside of the school relax themselves easily because of the lack of supervision.They may be late for school or truancy.Renting a house during the university is better：

(1)Many dormitories are far from comfort because they are small,noisy,stuffy in summer and cold in winter.(2)You can have your own private time,and you may feel more freely.(3)Lack of unnecessary conflicts and suspicion in life saves a lot of time which we can use to do more meaningful things.(4)It is not good for studying in the dormitory ,especially for Advanced Study.Nowadays, some students would not like to live in a dormitory.Instead, they rent houses outside the school.There are advantages for both.Living in a dormitory can increase friendship and cooperation between classmates.And of course, it is safer.A dormitory is more like a society, wich enables students to learn to adapt to each other, thus preparing for the social life later.As for renting houses to live alone, it’s better for study as you can feel free in your own room without being interrupted by others.As a result, you can have more time and devote yourself to studying whole-heartedly.But there may appear some safety problems as you live outside of the school.As is often said,every advantage has its disadvantage.Living outside campus is no exception.Dormitory life,though a bit unsatisfied,is precious to every college student.Therefore,I think that live in the dormitory is more better.5.Do you want to cancel examinations of university? 你想取消大學(xué)的考試嗎？

想:(1)大學(xué)考試使我們學(xué)習(xí)只是為了通過測(cè)試,不是為了獲取知識(shí)。(2)大學(xué)考試并不能真正全面地反映一個(gè)人的能力。

(3)大學(xué)考試會(huì)給學(xué)生帶來很大的壓力，也許會(huì)影響他們的生活。不想:(1)大學(xué)考試可以讓學(xué)生了解自己的學(xué)習(xí)情況。

(2)一個(gè)好的成績(jī)?cè)谀撤N程度上證明了一個(gè)人的學(xué)習(xí)能力。(3)大學(xué)考試會(huì)讓學(xué)生專注于學(xué)習(xí)，不荒廢學(xué)業(yè)。

Yes, I do:(1)Examinations of university force us to study just for passing tests, not for acquiring knowledge especially.(2)Exams of university cannot truly or fully reflect a person’s ability.(3)Exams of university will bring the students great pressure，which maybe affect their lives.No, I do not:(1)Examinations of university make students concentrate on learning and not negelect their studies.(2)Examination of university can make students know about their learning conditions.(3)A good mark proves one’s study ability to some extent.在絕大多數(shù)大學(xué)里，考試都是作為衡量學(xué)生是否掌握某一課程的主要手段。雖然這很有效，但它也有很大的副作用。

一方面，考試降低了教學(xué)標(biāo)準(zhǔn)。由于教師的好壞往往根據(jù)學(xué)生考試的結(jié)果來判斷，所以教師被迫訓(xùn)練學(xué)生的應(yīng)試技巧。而幾乎沒有什么課程是僅僅通過教授應(yīng)試技巧可以教好的。

另一方面，也是最壞的影響，考試助長(zhǎng)了學(xué)生不好的學(xué)習(xí)習(xí)慣。由于考試成績(jī)是評(píng)斷他學(xué)習(xí)表現(xiàn)的唯一標(biāo)準(zhǔn)，學(xué)生被迫機(jī)械地記憶，而不是進(jìn)行創(chuàng)造性的思考。大學(xué)考試使我們學(xué)習(xí)只是為了通過測(cè)試,不是為了獲取知識(shí)。更重要的是，考試并不能真正全面的反映學(xué)生的能力。

事實(shí)上，我們中很少有人承認(rèn)考試對(duì)學(xué)生學(xué)業(yè)的發(fā)展有任何真正重要的作用。如果真的是這樣的話，為什么我們不取消大學(xué)考試，設(shè)計(jì)出一些比考試更有效更可靠的東西呢? Nowadays the examinations are used as a chief means of deciding whether a student succeeds or fails in mastering a particular subject in most colleges and universities.Although it is efficient, its side effects are also enormous.On the one hand, examinations lower the standards of teaching.Since teachers are often judged by examination results, they are forced to training their students in exam techniques.No subjects can be taught successfully merely through being approached with intent to take examinations.On the other hand, the most undesirable effect is that examinations encourage bad study habits.the examinations are the only criterion for his academic performance ,students are driven to memorize mechanically rather than to think creatively.Examinations of university force us to study just for passing tests, not for acquiring knowledge especially.What’s more,exams cannot truly or fully reflect students’ ability.In fact, few of us admit that examinations can contribute anything really important to the students’ academic development.If that is the case, why cannot we cancel examinations of university and devise something more efficient and reliable than examinations?

6.Entity shopping and online shopping, which is better? 實(shí)體購(gòu)物和網(wǎng)上購(gòu)物,哪個(gè)更好? 實(shí)體購(gòu)物更好：(1)網(wǎng)上購(gòu)物的缺點(diǎn)就是我們只能通過圖片來了解商品的外形，不能真正看到商品的真?zhèn)闻c好壞，實(shí)體店我們可以了解商品的具體情況。(2)當(dāng)我們?cè)趯?shí)體店購(gòu)物時(shí)，我們可以試穿衣服或者是鞋子，同時(shí)銷售人員會(huì)給我們提出一些建議，幫助我們做出最好的選擇。

(3)網(wǎng)上購(gòu)物你不能確定你買到的商品和圖片或商品描述中的一致。(4)商品可能會(huì)在運(yùn)輸途中丟失。

網(wǎng)上購(gòu)物更好：(1)網(wǎng)上購(gòu)物相對(duì)于實(shí)體購(gòu)物要便宜。

(2)網(wǎng)上購(gòu)物節(jié)省時(shí)間。不僅選擇多樣，而且人們可以在任何時(shí)候買他們喜歡的東西，很方便。

(3)我們可以同時(shí)在不同的店鋪比較相同的商品，不僅節(jié)省時(shí)間，還避免了尷尬。Entity shopping is better:(1)When we go shopping on the internet,we can only understand the shape of goods by pictures,can not actually see the authenticity of the goods with good or bad.The relative physical store,we can understand the specific situation of the commodity.(2)When we go shopping in a physical store , we can try clothes or shoes in person and the salesman will give us some advice so that we can make the best choices.(3)You can never be sure whether the product is exactly what you see in the picture or read in the descriptions by shopping online.(4)The products may be lost in the express delivery.Online shopping is better:

(1)Relatively speaking,online shopping is relatively cheaper than entity shopping

(2)Online shopping is time and money saving.With plentiful selection options, people can buy whatever they like at any time convenient.(3)We can compare the same kind of products in different stores at the same time, which is able to save your time and avoid embarrassment.Nowadays, it seems more and more popular that people like shopping online.It provides us much convenience.We can choose the style and size online.After all, it has become a quite prevalent way when we do some shopping.There is also a very hot discussion about it.“Should people shop online or in store ?” Different people may hold different views.Some people like online shopping.They think it’s very convenient.All you can do is to click the mouse, then the computer can do the rest thing for you.And the price is much lower than the price in store.Some people hold a opposite view.They think the size online is always changing.There are many problems, like the quality ,also, the size.Few people can buy what they really want.Also, the system of online shopping is not perfect.They think shopping in store is their better choice.Well, as for as I’m concerned, people should choose the right shopping way depending on their own interests.And we can’t force them.These two ways do have their own advantages and disadvantages.All you can do when you’re shopping is to be more and more careful.7.Have young people need to follow the tide? 年輕人是否需要跟隨潮流

需要：(1)當(dāng)年輕人過度地跟隨潮流，他們花在工作或者是學(xué)習(xí)上的精力就會(huì)減少。(2)潮流變化太快，盲目追求潮流是浪費(fèi)時(shí)間和金錢。(3)失去了自己的喜好和判斷。

不需要：(1)新時(shí)代的潮流并不一定意味著高消費(fèi)。

(2)潮流源于生活，反映生活趨勢(shì)，充分考慮了消費(fèi)者的需求。(3)潮流讓人們?cè)谏钪畜w驗(yàn)不同角色，同時(shí)使世界更加豐富多彩。Yes,they need:(1)When young people pay more attention to following tide, they must be focus less on their work or study.(2)Tide changes too fast.It will waste both time and money if you follow tide blindly.(3)Someone lose his own hobbies and judgment.No,they needn’t:(1)Tide in the new era does not mean high comsuption.(2)Tide roots in daily life , reflecst that life and takes the consumers' demand into account.(3)Tide allows people to try on many roles in life.And meanwhile it make the world in which we live more colourful.In the modern world, following tide is a vital element of life, But as youths,do we need to follow tide? I think following tide is not a wise choice for the youths.I will illustrate my viewpoint with the following two aspects.First of all, I think it could take plenty of time for the young people to follow tide.The significant mission of young people is studying or working, whereas it is unlikely to follow tide without delaying study or work.Consequently, young people do not need to follow the tide.Secondly, following tide will cost money.The economy source of the young people is typically from their parents.So from this angle, saving money for parents is much better than cost money in fashion things.I do not deny that ,human beings desire to be beautiful and fashionable,but I think as a youth , study and work are more important.In summary, it is too early for the youths to follow tide.8.Parents send their children into a famous school is good? 父母把他們的孩子送到名校好嗎？

好：(1)名校師資力量雄厚，教學(xué)設(shè)施完善，為孩子的成長(zhǎng)構(gòu)造了一個(gè)良好的平臺(tái)。(2)在名校畢業(yè)的孩子比較自信。

(3)在名校，孩子參加各種活動(dòng)的機(jī)會(huì)很多，可以促進(jìn)孩子的全面發(fā)展。(4)名校的成材率很高。

不好：(1)名校助長(zhǎng)了孩子的驕傲心理，以及無法鍛煉孩子的心理素質(zhì)。(2)名校學(xué)費(fèi)比較高，對(duì)于家境不太殷實(shí)的家庭來說，送孩子進(jìn)名校學(xué)習(xí)無疑是很大的經(jīng)濟(jì)負(fù)擔(dān)。

(3)如果子女學(xué)習(xí)成績(jī)不怎么好，送名校反而會(huì)給他們?cè)斐珊艽蟮膲毫Γ麄內(nèi)菀桩a(chǎn)生自卑的心理。

(4)上名校不能保證成功。

Good:(1)A famous school is equipped with standard facilities and outstanding teachers which create a good platform for the growth of children.(2)The children graduate from famous schools are more confident.(3)There are many chances for children to participate in various activities in famous schools, which can promote the children all-round development.(4)It has higher yield in famous schools Not good:(1)A famous school encourages the children’s proud psychology, and it is unable to build up the children’s psychological quality.(2)The fees is much higher than general schools in famous schools.For the family which is not rich, sending their children into a famous school is also a great economic burden undoubtedly.(3)If children’s learning grade is not good, it will put so much stress on them by sending them to famous schools.They bring about self-abased psychology easily.(4)Studying in a famous school does not guarantee success.With the development of society, more and more parents send their children into a famous school , because the famous school is equipped with standard facilities and outstanding teachers which create a good platform for the growth of children.What’s more, it has higher yield in famous schools.As an old going says: every coin has two sides, both sides have their own advantages and disadvantages.It also has disadvantages by sending children into a famous school.First, the famous school encourages the children’s proud psychology, and it is unable to build up the children’s psychological quality.Second, the fees is much higher than general schools in famous schools.For the family which is not rich, sending their children into a famous school is also a great economic burden undoubtedly.Third, if children’s learning grade is not good, it will put so much stress on them by sending them to famous schools.They bring about self-abased psychology easily.Last but not least, studying in a famous school does not guarantee success.Winning or losing is not just influenced by the school they attend.As far as I am concerned, when the parents plan to send their children to a famous school, they should take something into consideration ,such as the chidren’s learning grade and the economic condition.Parents need to use a rational attitude to treat the famous schools.9.The positive and negative effects of stress.壓力的積極作用和消極作用 積極作用：

(1)正確地對(duì)待壓力，常常會(huì)把壓力轉(zhuǎn)化成動(dòng)力。

(2)激勵(lì)人提高效率，所以會(huì)在壓力情境中迎難而上，努力達(dá)成目標(biāo)。(3)適度的壓力可以激發(fā)我們的干勁和潛能。消極作用：

(1)過度的壓力或者是長(zhǎng)時(shí)間承受壓力都會(huì)影響我們的健康。(2)壓力會(huì)使人焦慮、易怒、失眠、注意力不集中。(3)壓力會(huì)影響學(xué)習(xí)效率和已有水平的正常發(fā)揮。Positive effects :(1)Stress can be changed into a kind of motivation if we handle it well.(2)People can be encouraged to improve efficiency when under stress, they will brave difficulties and strive to achieve their goals.(3)Moderate pressure can stimulate our motivation and inspire our potential.Negative effects:(1)Excessive stress or suffering from stress for a long time does harm to our health.(2)People may feel their stress –being anxious or worried, being easily angered or not being able to sleep or concentrate well.(3)Stress can affect the learning efficiency and the normal performance of existing level.在現(xiàn)代社會(huì)，大多數(shù)人承受的壓力都比以往要多。有些人不懂得正確處理壓力，而選擇了極端的方式去逃避或了結(jié)他們的壓力。但是，壓力是有害的嗎？在我看來，任何事情都有兩面性。同樣地，我們要從兩個(gè)方面來認(rèn)識(shí)壓力。

一方面，壓力是由于緊張或焦慮而引起的一種精神負(fù)擔(dān)。在現(xiàn)代社會(huì)，壓力大多數(shù)來源于環(huán)境或是自身的高要求或沉重的負(fù)擔(dān)，比如來自同輩人的壓力，經(jīng)濟(jì)上的壓力等。如果我們不能處理好壓力，我們就很容易陷入消極情緒中，喪失繼續(xù)前進(jìn)或和困難作斗爭(zhēng)的動(dòng)力和勇氣。從這方面來說，壓力是對(duì)我們身心的一個(gè)威脅。

然而，另一方面，如果我們處理得好，壓力也可以轉(zhuǎn)化為一種動(dòng)力。比如說，你發(fā)現(xiàn)在一次考試中，你的同學(xué)超過了你，你感到有壓力了，但與此同時(shí)，你也會(huì)告訴自己說你要更加努力以便在下次考試中超過他。在這種壓力下，你會(huì)發(fā)現(xiàn)自己會(huì)有更多的動(dòng)力和精力去學(xué)習(xí)。從這一角度來看，壓力是我們進(jìn)步的推進(jìn)器。

因此，我們要用辯證的方法看待壓力，適當(dāng)?shù)靥幚韷毫Α?/p>

In modern society, most people are under the higher pressure than ever before and some people cannot handle the stress well and choose some extreme ways to avoid or settle their stress.However, is stress a bad thing? As far as I am concerned, everything has two coins, and we also need to realize it from two aspects.For one thing, stress is a kind of mental burden caused by nervousness or anxiety.In modern society, stress is mostly caused by the high requirements or heavy burden from surroundings or us, such as stress from peers or stress in economy.If we cannot handle the stress well, we would be easy to be in a negative mood and lost our motivation and courage to keep going or struggle with difficulties.In this aspect, stress is a threat for our body and mind.However, for another, stress can also be changed into a kind of motivation if we handle it well.For example, when you find that you are surpassed by your classmates in an examination, you feel stressful but at the same time, you also tell yourself that you need to work harder to surpass him next time.Under this stress, you will find yourself have more motivation and energy to study.In this point, stress is a propeller for us to get more improvements.Thus, we need to use a dialectical method to treat stress and handle it properly.10.To be a rich man will make you feel more happy, do you think so? 你認(rèn)為成為一個(gè)有錢人會(huì)讓你更快樂嗎？ 我認(rèn)為是的：

(1)如果我成為有錢人，我可以做任何我想做的事情。

(2)如果我成為有錢人了,我可以到世界各地旅游。我想這是全世界許多人的夢(mèng)想。(3)如果我成為有錢人，我可以讓父母過上更好的生活。

(4)如果我成為有錢人，我可以幫助需要幫助的人們。贈(zèng)人玫瑰，手留余香，我也會(huì)更快樂。

我認(rèn)為不是的：

(1)有錢人不容易滿足。

(2)勞動(dòng)，創(chuàng)造，奮斗，收獲，這些過程本身就是一種快樂。有錢人不需要努力奮斗，會(huì)失去這些快樂。

(3)有錢人總是擔(dān)心接近他的人不懷好意，不容易信任別人，經(jīng)常會(huì)感到孤獨(dú)。(4)有錢人往往為了成功犧牲個(gè)人生活、親情、友情、愛情以及健康。I think so:(1)If I were rich, I could do anything I want.(2)If I were rich , I could travel all over the word.I suppose this is the dream of many people the word over.(3)If I were rich, I could provide a better life for my parents.(4)If I were rich, I could help the people who need help.After giving rose to others,fragrance remains with the hands.I would feel more happy.I don’t think so:(1)The rich are not easy to be satisfied.(2)The process of labour,creation,striving and harvest is a kind of happiness.If you are a rich man, you will not need to struggle for money.You will lose the happiness.(3)The rich always worry whether the person who is close to them has evil intentions.They don’t believe others easily and they always feel lonely.(4)The rich often sacrifice their personal life, family ties, friendship,love and health in order to succeed.Would you be happier if you become a rich man? I think that most people will answered:“Yes，I would”.In fact, I also think so.If I were rich, I could do anything I want.If I were rich , I could travel all over the word.I suppose this is the dream of many people the word over.If I were rich, I could provide a better life for my parents.If I were rich, I could help the people who need help.After giving rose to others,fragrance remains with the hands.I would feel more happy.However, I know that happiness is not just related to money.The personal life, family ties, friendship,love and health are also very important factors.If you live in a inharmonious family and have a poor health, you will not feel happy even if you have lots of money.Money can do many things, but it cannot buy health and the harmony of a family.To sum up, money can add happiness to our life,but it is not happiness.11.Students should learn from books or practice? 學(xué)生應(yīng)該從書本中學(xué)習(xí)還是在實(shí)踐中學(xué)習(xí)學(xué)生應(yīng)該從書本中學(xué)習(xí)：

(1)實(shí)踐往往會(huì)花費(fèi)很多時(shí)間，從書本中獲得知識(shí)，不受時(shí)間和空間的限制。(2)在實(shí)踐中獲得的知識(shí)，我們同樣可以借鑒前人的經(jīng)驗(yàn)，從書本中獲得。

(3)書籍可以使我們開闊眼界，豐富思想，并使我們獲得許多不能從實(shí)踐中了解的知識(shí)。學(xué)生應(yīng)該在實(shí)踐中學(xué)習(xí)：

(1)只有通過參與社會(huì)實(shí)踐，同學(xué)們才能提高解決實(shí)際問題的能力，更加獨(dú)立。(2)通過社會(huì)實(shí)踐，同學(xué)們可以獲得書本上沒有的知識(shí)。

(3)通過參與社會(huì)實(shí)踐，同學(xué)們可以更緊密地關(guān)注社會(huì)現(xiàn)狀，為將來的工作積累經(jīng)驗(yàn)。Students should learn from books:(1)Practice usually costs a lot of time.Students can gain knowledge from books without the restrictions of time and space.(2)Based on the experience from predecessors,we can also acquire knowledge from books which we gain from practice.(3)Books can broaden our minds,enrich our thinking,and inform us of many of the things which can’t be learned from practice.Students should learn from practice:(1)Only by applying themselves into social practice, can the students enhance their ability of solving real-world problems and be more independent.(2)Through taking part in kinds of social practice, students can get a closer eye on the present situation of the society, and accumulate experience for future work.(3)We can gain lots of knowledge that the books do not cover by attending social practice.It has been said, “Not every thing that is learned is contained in books.” In your opinion, students should learn from books or practice? Why? “Experience is the best teacher” is an old cliche(陳詞濫調(diào)), but I agree with it.You can’t learn everything from a book.Of course, learning from books in a formal educational setting is also valuable.And students can gain knowledge from books without the restrictions of time and space.Nevertheless(然而), I think that the most important lessons can’t be taught;they have to be experienced.Only by applying themselves into social practice can the students enhance their ability of solving real-world problems and be more independent.What’s more, through taking part in kinds of social practice, students can get a closer eye on the present situation of the society, and accumulate experience for future work.To sum up, it is true that social practice is a more effective way to enhance students’abilities in all aspects.Knowledge starts with practice.Therefore, students should grasp every chance to practice and perfect them.12.Education or work experience, which one is more important? 學(xué)歷和工作經(jīng)驗(yàn)，哪個(gè)更重要？ 學(xué)歷更重要：

(1)對(duì)于剛畢業(yè)的大學(xué)生來說，持有較高的學(xué)歷會(huì)有更高的機(jī)會(huì)踏入理想公司的大門。(2)在一些大公司，學(xué)歷是升職的關(guān)鍵條件。

(3)國(guó)企、事業(yè)單位等有著嚴(yán)格的學(xué)歷準(zhǔn)入制度，如果你的學(xué)歷達(dá)不到相應(yīng)的水平，你就沒有資格應(yīng)聘這些單位。工作經(jīng)驗(yàn)更重要：

(1)現(xiàn)在學(xué)歷已經(jīng)越來越無法體現(xiàn)個(gè)人能力了,而綜合能力現(xiàn)在越來越被工作單位重視。(2)有的單位沒有足夠多的工作經(jīng)驗(yàn)是不能進(jìn)行應(yīng)聘的。(3)有了相關(guān)的工作經(jīng)驗(yàn)，去競(jìng)爭(zhēng)更高的崗位更有優(yōu)勢(shì)。

(4)如果這個(gè)人非常缺乏實(shí)踐能力，學(xué)歷也會(huì)顯得一文不值,企業(yè)寧愿聘用學(xué)歷較低，經(jīng)驗(yàn)更豐富的應(yīng)聘者。

Education is more important:(1)For a person who just graduates from university ,if he has higher education , there will be a higher opportunity to enter the door of his ideal company(2)In some big companies, the education is the key condition to get a promotion.(3)There are a strict admittance system of education in state-owned enterprises or public institutions.If your education is short of the corresponding level, you have no qualification to apply for these units.Work experience is more important:(1)Now ,education can not represent one’s ability increasingly, and comprehensive abilities get more and more attention by companies.(2)For some companies,If you don’t have enough work experience, you will have no qualification to apply for these units(3)You will have advantages over others in higher position competition with related work experience.(4)The education will become worthless if the person is lack of practical ability.Companies prefer to hire the applicant whose degree is lower, but the experience is more.It is always a hot topic that what should a boss focus on more, someone pay their attention to work experience , but at the same time, some others argue that the opposite one--education is more important.In my opinion, different choice should be made on different occasion.If person the boss faced is a young man who just graduates from universitie, the education should be think about more.As a student ,he has an obligation to do his study well ,and at this point ,a beautiful school report card is great, at least it proves his study ability, which is very essential for the coming days.But if whom the boss faced is a forty old man and just fired a company or be fired by the original corporation , then the boss would think a lot of such things as work ability , experience and so on.Then the education would be seen nothing as it is just a history to him.All in all ,both of them are important, of course ,there are some else are also indispensably, to the boss ,before making a choice, think about what he want most, namely, which person he need most is most important.13.Should we smoking in public area? 我們應(yīng)該在公共場(chǎng)合吸煙嗎？ 我們不應(yīng)該在公共場(chǎng)合吸煙：

(1)吸煙對(duì)環(huán)境不利，吸煙所產(chǎn)生的大量有害氣體會(huì)污染環(huán)境。(2)吸煙有害健康，會(huì)導(dǎo)致多種疾病，例如：肺癌。

(3)在公共場(chǎng)合吸煙危害更大，被動(dòng)吸煙比吸煙人患病率要高。We should not smoking in public area:(1)Smoking is harmful to the environment.It pollutes environment by giving much poisonous gas off into the air.(2)Smoking does harm to our health.Smoking can lead to many diseases,such as lung cancer.(3)In public places,the harm of smoking is greater.Ratio of passive smokers getting ill is higher than that of smokers.現(xiàn)在,有些單位宣稱沒有人可以在他們的辦公室里吸煙。有些國(guó)家已禁止在公共場(chǎng)所吸煙,這種做法很好,盡管它剝奪了我們一些自由。正如我們所知道的,吸煙不僅對(duì)健康不利而且對(duì)環(huán)境也不利。吸煙會(huì)導(dǎo)致多種疾病,例如：肺癌。煙氣對(duì)不吸煙者的影響有甚于對(duì)吸煙者本人的影響。被動(dòng)吸煙比吸煙人患病率要高，所以很多不吸煙的人反對(duì)在公共場(chǎng)合吸煙。同時(shí)吸煙所產(chǎn)生的大量有害氣體會(huì)污染環(huán)境。因此,在公共場(chǎng)合不吸煙是非常必要的和重要的，這可以保護(hù)人類健康和環(huán)境。有些人說這會(huì)剝奪我們的一些自由。我認(rèn)為這樣的觀點(diǎn)是片面的，如果某人想抽煙,可以在私人場(chǎng)合抽煙而不是在公共場(chǎng)合。實(shí)際上,煙民仍然有吸煙的自由。不過,我認(rèn)為不僅僅是私下里,而且,在公共場(chǎng)合,在任何地方煙民最好放棄抽煙,這會(huì)有益于每個(gè)人。

Some businesses now say that no one can smoke in any of their offices.Some governments have banned smoking in all public places.This is a good idea though it takes away some of our freedom.As we know,smoking is harmful not only to our health but also to the environment.Smoking can lead to many diseases,such as lung cancer.Smoking affects nonsmokers more than it does smokers.Ratio of passive smokers getting ill is higher than that of smokers.So,many nonsmokers are against smoking in public area.And meanwhile, smoking pollutes environment by giving much poisonous gas off into the air.Therefore,no smoking in public area is very necessary and important to us.It is a measure to protect our health and environment.Some people say that it takes away some of our freedom.I think it is a one-sided view.If one wants to smoke,he may smoke in private places,not in the public places.In fact,smokers still have the freedom of smoking.But I think,smokers had better give up smoking,not only in private places,but also in the public places,everywhere.It will be beneficial to all of us.14.Countryside and city, which will make you feel happier? 農(nóng)村和城市,哪個(gè)會(huì)讓你感覺更快樂？

農(nóng)村：

(1)你可以享受農(nóng)村新鮮空氣和寧?kù)o。

(2)生活在農(nóng)村里的人比城鎮(zhèn)居民身體更加健康。(3)城市喧鬧，污染嚴(yán)重。

(4)城市居民不得不面臨住房不足和交通堵塞的問題。城市：

(1)城市在交通系統(tǒng)、醫(yī)療、教育、娛樂等方面來源方便，并且擁有先進(jìn)的信息技術(shù)。這些極大豐富方便了人們的生活。

(2)在城里我們可以盡量多的認(rèn)識(shí)一些人。

(3)在農(nóng)村幾乎沒有娛樂節(jié)目，這會(huì)讓人們感到無趣。(4)在農(nóng)村，教育、醫(yī)療以及交通落后。Countryside:(1)You can enjoy the fresh air and tranquility of the country.(2)The people who live in the beautiful country is more healthy than citizens.(3)The city is always noisy and polluted seriously.(4)The city dwellers have to suffer from poor housing problems and traffic jams.City:(1)The city has more convenient sources and modern information technology in transportation system ,medical care, education , entertainment and etc.These make people’s life abundant and convenient greatly.(2)We can get to know as many people as they want in the city.(3)There are few entertainment center in the country ,which makes people feel dull.(4)The education ,the medical care and transportation are also backward.Both these two sorts of life have their own supporters who have balanced their advantages and disadvantages.City life makes its supporters on top of the modern world.Compared with country life, city life seems to be more convenient.There are broad roads for traffic, and different shops for his people to buy everything they want.Besides, there’re also more jobs and opportunities for the young to try.When it comes to country life, we know that it can be calm and peaceful.Living in the country with less struggles and temper makes people feel happy and relaxed.Moreover, its clear air and natural food lead people to a healthy life.For me, I prefer to live in the country, for its pure and simple ways.My life needn’t be wealthy or complicated.Green trees and blue sky, a book and a cup of tea, a considerate lover and a warm family, that’s all I want.15.Do you think students should wear school uniform in school? 你認(rèn)為學(xué)生應(yīng)該在校穿校服嗎？ 學(xué)生應(yīng)該在校穿校服：

(1)讓學(xué)生統(tǒng)一穿校服，有利于培養(yǎng)學(xué)生的團(tuán)隊(duì)精神，強(qiáng)化學(xué)校的整體形象，增強(qiáng)集體榮譽(yù)感。

(2)整齊劃一的校服可以避免學(xué)生間的攀比，可以使得學(xué)生在成長(zhǎng)的過程中擁有健康的身心。

(3)校服是一個(gè)學(xué)校的標(biāo)志和象征，表明學(xué)生的身份。(4)統(tǒng)一穿校服可以突出學(xué)生朝氣蓬勃。學(xué)生不應(yīng)該在校穿校服：

(1)在崇尚個(gè)性的年代，千篇一律的校服，對(duì)孩子們的審美發(fā)展和個(gè)性發(fā)展都是不利的。(2)穿校服限制了學(xué)生的創(chuàng)造力、想像力。(3)穿校服比較死板，跟不上潮流。

(4)穿校服很不方便，而且穿便服比穿校服好看。students should wear school uniform in school:(1)It is helpful to build up team work ability, enhance the school's entire public image, and boost up the honour of collectiveness by wearing school uniform.(2)School uniform helps students avoid being compared to others about the clothes.It can make students possess health both in body and mind.(3)School uniform is one of the sign and symbol of the school.It reveals students’ identity.(4)Students’ characteristic of vigorousness can be highlighted by wearing monotonous school uniform.students should not wear school uniform in school

(1)It is bad for students’ development of aesthetic and personality by wearing school uniform in this era of respect for individuality.(2)It limits the creativity and imagination of students by wearing school uniform.(3)It is rigid by wearing school uniform ,because the school uniform always does not go with the tide.(4)It is not convenient to wear school uniform.And wearing casual clothes is more beautiful than wearing school uniform.Many high schools，both public and private, require students to wear uniforms.Taking the advantages of wearing school uniforms into consideration, I'm all for it that school uniforms should be a necessity for students.First, uniforms make students equal on an economic level.With uniforms, students from poor families dress the same as students from rich families.This can prevent envy and jealousy about stylish clothes.It can also encourage students to form friendships based on personality, not clothes.Second, uniforms encourage the individual students of a school to feel like part of a bigger group.Their feelings of being together, working together and having something in common are all helped by uniforms.It is helpful to build up team work ability, enhance the school’s entire public image, and boost up the honour of collectiveness by wearing school uniform.Last but not least, school uniform is one of the sign and symbol of the school.It reveals students’ identity and highlights Students’ characteristic of vigorousness.In a word, I think highly of school uniforms.It can always do us good.