第一篇：雅思作文教育类常考题目汇总

Education题目

1.Some people think university education should prepare students for employment while others think it should help students acquire theoretical knowledge.Discuss both views and give your own opinion.一些人认为大学教育应该帮助学生为就业做准备，而另一些人则认为大学教育应该帮助学生获取理论知识。讨论这两种观点并给出你自己的观点。（目的）

2.Students from rural areas often find it hard to access university education.Some people think universities should make it easy for them to study at.To what extent do you agree or disagree.农村地区的学生往往难以获得大学教育的机会。一些人认为大学应该让这些学生更容易适应大学学习。多大程度上你同意或者不同意这种说法。（难）

3.Students at schools and universities learn more from lessons with teachers than from other sources（such as the Internet or television）.To what extent do you agree or disagree.相比其他途径（比如网络和电视），在学校或大学的学生们会从教师的课程中学到更多东西。多大程度上你同意或者不同意这种观点。（途径）

4.Some people believe that students should take a wide range of courses.However, others believe that students should focus on the subject that they are good at or they are interested in.Discuss both views and give your own opinion.一些人认为学生应该广泛的学习各种不同的课程。可是其他人则认为学生应该集中学习他们擅长或者感兴趣的课程。请讨论这两种观点并给出你的意见。（内容）

5.Children is an important task for nations.It is suggested that all mothers and fathers should be required to take childcare training courses.To what extent do you agree or disagree.育儿问题是各国的重要任务。有人建议所有的家长都需要接受关于育儿的培训课程。你在何种程度上赞同或不赞同这种建议。

6.More and more students choose to go to another country for higher education.Do you think the benefits outweigh the problems associated with it?

越来越多的学生选择出国接受高等教育。你认为其利是否大于弊？

7.some people think children should learn to compete，but others think that children should be taught to cooperate.Express some reasons for both views and give your own opinion.一些人认为儿童应学会竞争，但是其他人则认为我们应教会儿童如何合作。阐述这两种观点的理由并给出你的意见。

8.Many young people leave school with a negative attitude.Why does this happen? What do you think can encourage young people to have a positive attitude?

许多年轻人带着消极的态度选择退学。这是出于什么原因？你认为应如何鼓励年轻人拥有积极的态度？

第二篇：教育类 雅思大作文素材

教育类话题涉及面很广，主要考察教育方法和教育内容，儿童教育，青少年教育等。

总体说来，教育对孩子的影响可以从智力，知识，体育，道德，社交和实践几个方面去探讨。写法： 1 让步反驳 起承转合加让步总结

智力方面：

提高学习能力，扩大知识面，适应社会发展。

Enhance intellectual abilities ,widen scope of knowledge , adapt oneself to the development of society

体育方面：养成良好的生活习惯，保持身心健康。

Maintain a healthy lifestyle as well as physical and psychological well-being

道德方面：符合社会道德标准：adhere to code of conduct 社会实践方面：

cultivate logical thinking培养逻辑思维

Develop Our Creative Mind培养我们创造性思维 tap one’s potential挖掘某人的潜能 undertake the due obligations承担责任

face possible pressure and competition迎接可能的压力和竞争 cultivate a strong sense of responsibility 勇于承担责任

教育类话题短语总结：

enrich the teaching method丰富教育手段 multimedia teaching多媒体教学

vocational education职业教育 cradle of culture文化摇篮 thought-provoking引人深思的 enlightening予以人启迪的 far-reaching深远的 never-ending永不停息的 overwhelming压倒一切的

give a big push to the development of education给予教育极大的推动 education for all-round development全面发展教育 exam-oriented education应试教育 quality-oriented education 素质教育 knowledge-intensive知识密集型的

keep skills fresh and up-to-date使得技能可以与时俱进 enlarge one’s view拓展知识面 realize the value of life实现生命价值 broaden one’s horizons拓展知识面

grasp good communication skills掌握良好的交流技能 boost teamwork spirit 培养合作精神

cultivate one's taste and temperanment陶冶情操 combine ability with character 德才兼备 equal stress on integrity and abiliy 德才兼备 rote learning死记硬背 bias of culture文化偏见来源

cramming method of teaching 填鸭式教学 institutionalised teaching programme 教条主义教学 have a broader view of life 开阔视野

better personal resources to draw on 更多可利用的人脉资源

表示“我认为”： deem hold advocate that bolster the view that from my point of view to my way of thinking from my perspective

反对： disapprove of

object to(sth, doing sth)challenge… question…

my viewpoints conflict with…

小孩参加兼职工作的好处： 1 提高人际交往能力 enhance interpersonal skills 提高社会实践能力，扩大视野，提升动手能力 facilitate practical abilities expand ons’s vision elevate hands-on capabilities 3 渡过酝酿期，为未来做好准备 withstand the gestation period

pave the way for rosy future（lay a solid foundation for)培养团队合作精神，能更深入的了解社会，对个人成长有很大的好处 foster teamwork spirit gain better insight into society be rewarding to personal development可以赚取收入，减轻家庭负担

earn profits and relieve the financial burdens of families

小孩参加兼职工作的弊端： 耽误宝贵的学习时间，对于孩子来说，教育才是最重要的。

Give rise to many problems such as waste of precious studying time.For children, education should be given priority.小孩没有社会经验，可能会在兼职工作中遭受欺骗。

Due to lack of social experience,some children might run the risk of being cheated in the process of part-time jobs.学生种类：

Teenager

adolescent

juvenile University students : undergraduate

教育层次：

Grade school(elementary school)Junior school Senior/high school Tertiary education(高等教育)Advanced education(高级教育)

网络学习： Online learning Tele-education Virtual class(虚拟课堂)Distance learning远程学习e-learning

postgraduate 一边倒题目：

特点：A.What’s your opinion on this issue

B.What’s your opinion about..? 围绕文章或段落主题，写一句介绍性的话 注意：

1、完整的陈述句（前置，简介）

2、内容是单一主题

3、范围忌过于狭窄

让步反驳文章思路：

第一段：背景句+改写考题+观点好大与坏或坏大于好 主体段1：支持观点1 主体段2：支持观点2 主体段3：让步，承认对方观点的可取之处 结尾：总结（承认并存/分析主导原因）+建议

双边讨论思路：

前段：背景句+陈述不同看法+写作意图（3-4句话，40-50个词）主体段1：陈述正方观点+理由（6-8句，60-80词）主体段2：陈述反方观点（6-8句，60-80词）

尾段：重述双方观点+自己观点和理由或提出建议（4-5句，40-50词）

例子2

Some parents maintain that co-education is beter for their children while others believe it is better if boys and girls go to single-sex school.Discuss both views and give your own opinion.Beginning:

There is almost no single-sex school in China where males and females are equal under most circumstances.However, there have been schools catering exclusively to boys or girls in most western countries.Experiences in both types of scholl can be rewarding.Body1:

Co-education seems the natural mode of education.(TS）观点1

Males and females are not separated unless absolutely necessary.论证：

They can ride on the same bus, eat at the same restaurant and work in the same company.There is no justification to set up separate schools.观点2：

Besides, co-ed schools help to reduce the prejudice against the opposite sex.论证：

By mingling with one another on a daily basis, boys and girls can relinquish the stereotype view about the other sex.They may find that a girl can be as brave as any boy and that gossiping is also common among boys.Thus, we are equal.观点3：

Lastly, co-education is usually preferred because it resembles the real world.论证

After their graduation, those students won’t have difficulty adjusting to a world where the opposite sex also exists because they have learnt how to tolerate, appreciate and cooperate with each other in school.Body2:

On the other hand, single-sex schools have their unique appeals as well.(TS)观点1

Safety is regarded as the foremost reason for choosing those schools.论证：

Especially girls’ schools.It is safe to send one’s kids to a place where they won’t be seduced, molested or even assaulted by the other sex.Admittedly, this is to assume that none of the teachers and staff is criminally inclined.观点2：

In addition, the students can focus more on their study 论证：

Free from the burden of co-existing harmoniously with the opposite sex, boys and girls often turn their attention to scholarly pursuits.This might explain why many prominent scientists went to single-sex school at one time or another.观点3：

Last but definitely not the least, single-sex school bars the possibility of the much-dreaded puppy love（早恋）among students.论证：

This is reassuring as long as the parents have no qualm about their children being driven to homosexuality.Ending:

It might be gathered from the above that each type of school has its strength and weakness.Co-ed school seems a nature chioce for many, while single-sex school may be more suited for some.it rather depends on the inpidual.例子3

University should accept equal numbers of male and female students in every subject.Do you aggree or disaggree? Beginning:

Since the feminist movement, females have been enjoying increasingly equal opportunities as males do.They account for nearly half of college student population, some people thus demand complete equality in all subjects in terms of student number.I am, however, strongly against this proposal.Body1:

To begin with, the enrolment of men or women in each major should be dependent upon their respective academic performances（学习成绩）and overall abilities, rather than some unrealistic percentage quota.（TS）

论证：

Girls usually donot do well in science and thus have little chance of competing against boys in the math department.Similarly（同样的）, it is hard to find boys studying education, for many of them just donot have the verbal skills or patience to become qualified teachers 内部总结：

Given the differences in their inherent abilities, it is right to expect boys and girls to have separate academic pursuits.Body2:

Besides, the natural interests of both sexes should be taken into consideration when we approach this issue.（TS）

论证：

By compelling some girls to study engineering merely to increase the female percentage, universities are forcing them to work against their natural inclination while denying other boys the chance of pursuiting their real interests.In general, it is as hard, for example, to persuade male students to learn embroidery as it is to coax a girl into studying anatomy.内部总结： Therefore, students should be given the freedom as to what subjects they would like to learn.Body3:

Further, education being a preparation for their future careers, universities should mark the fact that certain jobs are gender-specific.(TS)论证：

Take most manual work for example.It is physically unrealistic for a woman to be a construction worker, a plumber or a firefighter.At the same time, men can hardly succeed as nurses or kindergarten teachers.内部总结：

Understandably, gender differences shall be taken into consideration while students are still in college.Ending:

It is neither realistic nor necessary to recruit the same number of male and female students.It is not an issue of equality but a matter of choice.Given the difference in abilities and preferences, students shall be given the right to choose for themselves rather than be subject to certain arbitrary quotas stipulating the number of students for each sex.

第三篇：雅思高分作文- 教育类

1.It is generally believed that education is of vital importance in inpiduals’ development and well-being of societies.What should education consist of to fulfill both these functions?

With the rapid development of modern society, education is becoming more and more crucial to both inpiduals and societies.The issue over what education should consist of has considerably aroused people’s wide concern.In this essay, I seek to explore this complicated topic from perse perspectives and what influence could be brought.Among the most important aspects education should consist of, one should be stressed is professional knowledge education.On one hand, under the fierce competitive circumstance, people who have professional skills and experience attract many big companies.Therefore, study about one special area gives people more opportunities to hurt an ideal job.On the other hand, this education is also significant to develop societies in a long run.At the second place, what is also worth noticing is that physical education is necessary for students, especially for teenagers.If you want to achieve successfully in the modern societies, strong body is the first premise, which makes you always in sharp.So education should push people to take care themselves and this could bring great benefits to the healthy society.Last but not least, we should not lose sight of psychological education.Psychological problems are serious nowadays and a sizable percentage of people suffer from them.A survey conducted by a famous research organization indicates that over 40 percent of students have various psychological problems, who really need help from school and society.Even worse, if such problems cannot be solved, they could hamper the progress of well-being society.Judging from what I have been discussed above, we may safely draw the conclusion that three aspects cannot be separated in education, which play vital important roles in the growth of inpiduals and societies.The fulfillment of both people and societies can be done as long as we lay emphasis on three aspects mentioned above.2.Human Society is a long period of building and developing.From

the time man lived in dank caves to nowadays when he lives in such a

modern life with a lot of excellent facilities.The modern life, the

excellent facilities was not a present from god.It was made by people of

all generations who always learned from the past and developed

everything they had learned from it.Thus, I totally disagree with the

statement above that learning about the past has no value.The first reason for this is that learning about the past brings us all the

knowledge and information in the past.Without yesterday, there is no

today.A society can develop only when its people inherit and

understand the achievements of the precursors because the precursors'

achievements were the foundation for everything to develop..For

example, before 1964 there was only black-and-white television but

until now there are kinds of colour televisions that are slim and

innovative such as LCD TV...The black-and-white television made the

basis and gave inventors idea to develop the modern TV nowadays.Consequently our knowledge, success today is the result of constant

work of our ancestors before.Secondly, learning about the past is very essential because it makes us

doubt and take consideration into earlier assumptions.For that reason,people will find out mistakes that were made in the past.This will show

us which roads not to ever go down again and put human in a right way

to develop.Learning about the past is not only learning about the

history but also is learning from our and the others' mistakes.By this

way of learning, people will become more and more experienced and

never make the same mistakes again.Additionally, if learning about the past has no value, people in the world

could speak, could write by themselves without learning from anyone.This is impossible so the value of the past, in this case are the parents,are undeniable.In a nutshell, the past is always a good teacher and we are still bad

students who crave for knowledge.Denying the past also means that we

are destroying the present and our future because no one can jump

without ground to stand on.3.When it comes to the value of history, the discussion of this issue

among inpiduals and in society as a whole has come into vogue during

the last decade.The statement declares that “learning about the past

has no value for those of us living in the present.” I disagree with

the...there is a thing you have to know.The main reason for my propensity to the importance of history is

that in the business world, there is a saying that you have to know

where you have been and where you are in order to know where you are

going...Furthermore, I agree that business corporations find it critical to

have regular views of the past business performance without

reservations since each corporation has to see what mistakes were

made in order to avoid repeating them.Naturally, they learn from the

past mistakes which prepare them for the future.Let’s bring our discussion to a more present and practical context.It can be given an example that Microsoft usually has regular views of

its past performance, usually in the form of quarterly or annual review.Another equally essential aspect accounting for why I advocate the

value of learning about the past involves the realm of politics and

society.No one can deny that in the international arena, one must

possess a thorough knowledge of history in order to understand the

current dynamics and complex relationships among countries.Obviously, it is imperative that the politicians should learn from the

past political mistakes.History is replete with evidence to demonstrate

this point that the world community learned the great lesson from WWII

that there must not be another world war thus we entered into 40 plus

years of the cold war.However, we should concede that despite the merits of learning

about the past, over extended referring to the past will be indeed

counterproductive, even harmful.The harm it produces is, in my view,both palpable and profound.For the inpidual, it has a debasing

impact on people’s originality;for the society, it may promote a

tendency toward mechanism ossification.In sum, the advantages of referring to the past outweigh the

disadvantages, but it is imperative to point out that whether historical

information can actively affect our present life depends on whether we

could take rational cognizance of the past and whether we could try to

make breakthrough and whether we could learn from the past failures

and success, especially from the failures.

第四篇：雅思口语常考话题

杭州雅思培训雅思口语常考话题

雅思口语考试一共15分钟左右。会进行三部分考试：

PART1：自我介绍部分。有些考官会跟你先聊几句，有的直奔主题，先问what's your full name.第二问你what I should call you.之后一般都会问答what are you doing？是工作或者学习，针对学习或工作问几个问题。问hometown的几率也比较高。之后就不一定了，可能会问节日、电影、音乐、颜色、数字、鸟类等等话题，可以考前看下预测，针对性复习。

PART2：请注意，只有PART2是给卡片，分配话题，然后给你提供纸和笔，给你一分钟时间思考，自己陈述1-2分钟。最好说够2分钟。如果说超了考官也会打断你的。

PART3：根据PART2会问一些深层次的问题，这一部分一定要多回答些，不要太过简单；有时候也会撇开PART2内容问些其他问题。

各部分详细介绍：

Part one简答题部分几乎覆盖了题库的所有话题，全国考场频次最高的话题有

Hometown、Major、Food & diet、House & apartment、Photography、Future job、Language等。

Part two部分以事件题居多，其次是物品题，高频话题有人物类的A Happy Person、A Famous Person，地点类的An important city、A natural beauty，事件类的Future Work Plans，An experience you have to be polite，A free day，物品类的Advertisement，A work of painting or sculpture，A childhood toy，TV program等。

备考小贴士

(1)有些话题在part one和part two部分可能同时出现，可以一起准备，比如在成都、天津等考场简答题及话题卡部分同时出现了TV program。

(2)雅思口语话题也会与最近的时事相关，比如最近全国各地经常下暴雨，在广州、深圳等考点就常考Your Favorite Weather的话题。最近伦敦举办奥运会，很多考点都涉及到TV program和sports之类的话题。

(3)话题卡部分人物类话题尽量进行合并整理，如A Happy Person和An Interesting Old Person可以进行合并。

Part one部分话题汇总

Hometown、Major、Food & diet、House & apartment、Photography、Future job、Public transport、Name、A childhood toy、Family、Relatives、Drawing、Clothes、Computers、Leisure time、Birthday、Sports、Language、Punctuality（about time）、Wedding、Driving、Primary & Elementary school、Friend、Evening Activity、Hobby、TV program、Shopping、Flower、Color

Where did you learn English？

What difficulties you have in learning English？

What's the most popular car in your country？

What kind of car do you like？ Why？

新东方预测：在接下来的7月后半个月及8月份的考试中，part one 部分可能高频出现的话题有：Hometown, major, house & apartment, Meals & food , Public Transport, sport, Evening activity, future jobs, Wedding, TV program等。

Part two部分可能出现的高频话题有：A lake/river that you have visited，The First Day of Your Course or Your Work，A work of art，An important city in your country，Electronic device，A happy family news A Childhood Trip，The difficult thing you ever challenged等等。

以上就是杭州新航道杭州雅思培训学校为考生们介绍的杭州雅思培训雅思雅思口语常考话题，希望对正在准备备考托福阅读的考生们有帮助。

第五篇：银行常考题目

演讲稿 工作总结 调研报告 讲话稿 事迹材料 心得体会 策划方案

银行常考题目

填空题：

1.传统经济学货币理论的两个前提假设分别是（）和（）。2.1936年，约翰?梅纳德?凯恩斯在()一书中提出了货币政策的利率渠道传导理论。

3.莫迪利亚尼最早利用（）理论对货币政策的财富效应进行了研究。4.理性预期学派经济学家则提出了（）命题，完全否定了货币政策的有效性。

5.操作时滞性是指从中央银行调整货币政策工具到这些工具对（）指标发生作用所耗费的时间。

6.中央银行的资产业务，它主要由()、（）、（）、（）及其他一些资产业务构成。

7.保管和经营黄金外汇储备应考虑（）和()两个问题。

8.构成国际储备的资产主要是（）、（）和在国际货币基金组织的储备头寸及未动用的特别提款权。

9.中央银行的证券买卖业务一般都是通过（）进行的。

10.按贷款对象划分，中央银行贷款可以分为：对（）的放款、对非货币金融机构的放款、对（）的放款以及其他放款等。

11.结算与清算是存在于经济社会中的两种实现()和（）的行为。12.清算机构是为金融机构提供资金清算服务的中介组织，在支付清算体系中占有重要位置，（）是最传统和最典型的清算机构。

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13.按照对转账资金的不同处理方式，银行同业间清算可通过（）与（）两种形式进行。

14.1773年在（）诞生了世界上第一家票据交换所，开创了票据集中清算的先河。（），纽约市成立了美国第一家票据交换所。15.中国现代化支付系统cNAPS是在国家级金融通信网(CNFN)上运行的我国国家级的现代化的支付系统，是集（）、()、金融经营管理和货币政策职能为一体的综合性金融服务系统。

16.跨国支付清算解决的是国际间的资金转移与债权债务清偿。跨国支付的质量不仅事关本国利益，也涉及其他当事国，因此跨国支付具有（）与（）的特点。

17.支付系统风险既是（）的组成部分，又是（）的诱因之一，对一国的金融稳定构成重大威胁，一旦发生支付系统风险，其危害将难以估量。

18.根据IMF的分类，金融危机可以分为（）、（）和（）三类。19.财政赤字伦又称为（）模型，是美国经济学家（）于20世纪70年代提出的。

20.银行体系关键论是（）1981年提出的。该理论认为，（）在金融危机中起关键作用。

21.道德风险论又称第三代货币危机模型，是在1997年()以后才发展出来的，由著名发展经济学家（）和克鲁格曼提出的。

22.社会利益论认为，造成市场价格扭曲的原因通常来自（）、（）和（）三个方面。

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23.社会选择论也叫（）理论，是从公共选择的角度来解释政府管制的。

24.经济监管论又叫（），根据监管经济学的观点，企业可以从政府监管那里获得至少四个方面的利益：（））、（）、（）和（）。25.20世纪90年代金融监管的新发展主要表现在（）、（）和（）三个方面。

26.我国对金融机构的市场退出一般按（）、（）、（）和（）四种形式进行监管。

判斷

1．中央银行对黄金外汇拥有的经营管理权产生了黄金外汇的买卖业务，成为中央银行重要的负债项目。()2．中央银行可以直接从事商业票据的承兑、贴现业务。()3．中国人民银行不得向各级政府和政府部门提供贷款。()4．中央银行只要能有效地执行各种金融政策，促进经济增长，实现既定的宏观经济目标，则其经营获利与否无关紧要。()5．当中央银行对金融机构的债权总额大于负债总额时，若其他对应项目不变，其差额部分通常通过减少货币发行量来弥补。()

1．大多数国家的再贴现利率是一种基准的官定利率。()2．再贴现和贷款业务也是中央银行投放基础货币的重要途径。()3．在货币供应量增长过多的时期，提高再贴现利率可以抑制存款机

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构向中央银行借款的势头，从而减少货币和信贷增加额，()4．作为国际支付手段，要求国际储备必须具备安全性、收益性和流动性。()5．中央银行用自己发行的货币买人证券实际匕是通过市场向社会投放货币；反之，卖出证券等于将流通中的货币收回。()

1．货币政策是实现中央银行金融宏观调控目标的核心所在。()2．货币政策主要调节的是总需求，而非总供给。()3．调整经济结构是货币政策的主要功能。()4．货币供给促使社会总需求的形成，社会总需求影响社会总供给，社会总供给决定了真实货币需求，货币供给决定货币需求。()5．内生变量，又称政策性变量，所以货币供给量首先应该是一个内生变量。()6．货币政策的调整对产出、就业和通胀的影响显著。如当中央银行降低利率时，银根紧缩，产出减少，就业率下降，通货膨胀率较低；反之，当中央银行提高利率时，银根较松，社会产出增加，相应就业率上升，通货膨胀率也会跟着上升。()7．新凯恩斯学派认为，即便是公众完全预期到货币政策的变动，价格也不能完全调整，因此货币政策不能影响实际产出，货币政策是无效的。()8．影响经济增长的主要因素在短期内是比较稳定的。()9．货币政策应该不断调整最终目标和灵活选择政策工具。()

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10．货币政策是国家直接调控宏观经济的主要手段之一。()11．货币政策目标是指中央银行采取调节货币和信用的措施所要达到的目的。()12．按照中央银行对货币政策目标的影响程度及施加影响的方式，货币政策目标可以划分为最终目标、中间性目标和操作目标三个层次。()13．操作目标是指中央银行选定的能被货币政策工具直接作用又与中介目标联系紧密的金融变量，如准备金、基础货币、银行信贷规模等。()14．最终目标、中介目标和操作目标与宏观经济受中央银行控制的程度从弱到强，与宏观经济的相关程度也是从弱到强，三者构成了一个有机的货币政策目标体系。()15．在各类物价指数中，物价平减总值指数范围最广，因而成为经济形势变化的先行指标。()16．摩擦性失业主要是由有效需求不足造成的。()17．经济增长速度可以用人均国民收入增长率来衡量。()18．菲利普斯曲线的斜率是负的。()19．中介目标和操作目标的选取一般要满足相关性、可测性、可控性、抗干扰性和互补性的基本原则。()

1.1993年，欧文费雪面对大萧条提出资产价格下降论。（）2.沃尔芬森在银行体系关键论的基础上提出了资产价格下降论，把研

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究的重点从银行转移到企业。（）

3.1997年东南亚金融危机后，危机的严重性和破坏性使得它一经爆发，就引起了国际经济、金融界的广泛关注。（）

4.克鲁格曼认为，东南亚金融危机的根本原因在于东南亚各国的外部条件存在严重问题。（）

5.金融风险是指金融危机的发生。（）

6.维持固定汇率的国家都是因为该国一直有高通货膨胀的历史。（）

選擇

1．中央银行的基本职能包括()。

A．发行的银行B．银行的银行C．政府的银行D．调控监管职能

1．中央银行在外汇储备经营中，主要面临()三种风险。A．市场风险B．商业信用风险C．主权风险D．流动性风险 2．国际上一般认为，一国外汇储备持有量应该保持在该国()个月的进口用汇水平上，并且不少于该国外债余额的30％。()A．1～2 B．5～6

C．3～4 D．7～8 3．再贴现利率是一种()利率。

A．基准利率B．短期市场利率C．官定利率D．长期市场利率 4．一张票据面额为1000元，离到期还有30天，在年贴现率为7．2％时，再贴现实付金额为()元。

A．1000

B．928

C．940

D．820

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5．中央银行也可以通过()增加商业银行等金融机构的筹资成本，达到减少货币供应量的目的。

A．降低再贴现率B．提高贷款利率c．提高再贴现率 D．降低贷款利率

1．支付清算体系是指中央银行向商业银行等金融机构的社会经济往来提供各种清算服务的综合安排，它主要由()构成。A．清算机构 B．清算工具 C．支付系统 D．清算制度

2．为了保证银行同业清算持续、有序地进行，中央银行通常对银行的()管理有所要求。

A．安全性B．流动性C．收益性D．创新性

3．付款行首先将完整的支付信息发送给中央银行，待中央银行完成资金汇划后，再将完整的支付信息发送给收款行，这属于()。A．V型结构

B．Y型结构

C．I型结构

D．T型结构 4．中央银行支付清算服务的主要内容包括()。A．组织票据交换清算B．办理异地跨行清算

C．不为私营清算机构提供差额清算服务D．提供证券和金融衍生工具交易清算服务

5．中央银行()是现代化支付系统运行的重要基础。

A．实时支付系统 B．小额支付系统 C．会计核算系统 D．大额支付系统

6．跨国支付清算的特征包括：()。

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A．具有全局性与世界性的特点

B．涉及不同国家货币和不同的支付清算安排

C．需要借助跨国支付系统及银行往来账户实现跨国银行闯清算 D．中央银行在跨国支付清算活动中具有重要地位 7．美联储在CHIPS系统运行中的主要作用是()。

A．提供支付清算服务B．经营管理C．提供资金支持D．风险管理 8．在现代化支付系统运用的电子数据处理设备及通讯系统出现技术性故障或操作失误时，使整个支付系统运行陷入瘫痪的潜在风险属于()。

A．信用风险B．流动性风险C．法律风险D．操作风险

1．中央银行实施货币政策首先会影响到()。

A．最终目标

B．中介目标

C．操作目标

D．中间目标 2．反映经济形式变化先行指标的物价指数是()。

A．物价平减指数 B．批发物价指数 C．零售物价指数 D．消费物价指数

3．认为货币政策的实施，除了引起价格水平变化以外，对收入、就业、总需求、投资、实际工资及利率等变量都无影响。这一观点属于()。

A．古典学派 B．凯恩斯主义 C．货币主义 D．理性预期学派 4．货币政策目标中所讲的充分就业指的是()。

A．季节性失业 B．摩擦性失业 C．自愿性失业 D．非自愿性失业

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5．我国通过法律的形式规定的货币政策目标是()。A。经济增长

B．实现经济增长的前提下，保持币值稳定 C．稳定物价

D．保持货币币值的稳定，并以此促进经济增长 6．依据经济发展状况来协调货币政策目标的方法属于下列方法中的()。

A．相机抉择法B．“逆经济风向”抉择法C．“简单规则”抉择法D．“临界点”抉择法

7．下列选项中不作为货币政策中介目标的是()。A．货币供给量B．利率C．银行信贷规模D．基础货币 8．下列选项中符合货币政策的主要特征有()。

A．货币政策是一项总量经济政策和宏观经济政策B．货币政策是调节社会总需求的政策C．货币政策调节机制的间接性D．货币政策目标的短期性

9．下列选项中关于货币供求与社会总供求之间关系描述正确的有()。A．货币供给促使社会总需求的形成，社会总需求影响社会总供给 B．商品供给决定货币供给 C．社会总供给决定了真实货币需求

D．货币需求决定货币供给，货币需求影响社会总供给 10．下列关于货币政策的命题正确的有()。

A它是以总量调节为主的政策B它是以结构调节为主的政策C它是调节总需求的政策D它是通过调节总供给而间接影响总需求

11．按照中央银行对货币政策目标的影响程度、速度及施加影响的方

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式，货币政策目标可以划分()

A．最终目标B．中介目标C．操作目标D．中间目标 12．下列选项中可选作为货币政策目标的有()。

A．币值稳定 B．经济增长，金融稳定 C．充分就业 D．国际收支平衡

13．货币政策目标之一币值稳定的含义是：()。

A．其中的物价是指一般物价水平，而非个别商品或劳务价格的变动 B．币值稳定不是绝对静止的，可以有一定的波动，但波动不能过大 C．稳定币值包含一定程度的物价变动

D．当物价波动过大时，可以通过抑制物价上升来解决 14．金融稳定是指()。

A．金融机构、金融市场和市场基础设施运行良好，抵御各种冲击而不会降低储蓄向投资转化效率的一种状态

B．反映的是一种金融运行的状态，体现了资源配置不断优化的要求，服务于金融发展的根本目标

C．缘于建立在稳固的基础上、能有效提供储蓄向投资转化的机会而不会产生大的动荡的金融体系

D．包括金融体系中关键性的金融机构保持稳定和关键性的市场保持稳定

15．货币政策要兼顾两个目标存在困难，下列选项中符合这种情况的有()。

A．币值稳定与充分就业

B．币值稳定与经济增长

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C．经济增长与国际收支平衡D．经济增长与充分就业 16．目前我国理论界关于货币政策目标选择的理论主要有()。A．单一目标论B．双重目标论C．三重目标论D．多重目标论 17．货币政策决策主要依据有()。

A．对国家产业政策的分析和预测

B．国内宏观和微观经济运行状况分析和预测

C．世界经济、金融形势变化及其对国内经济影响的预测分析D．国内货币金融形势预测分析

1.费雪现金交易方程式是（）

A.MT=PY B.MV=PT C.MT=PV D.MV=PY 2.传统经济学货币传导机制可以表述为（）

A.R→Md→P→Yn B.R→Ms→P→Yn C.R→Ms→Yn→P D.R→Md→Yn→P 3.凯恩斯学派非常重视（）指标在货币政策传导机制中的作用。A.货币供给量

B.资产价格

C.利率

D.实际汇率 4.托宾把q定义为（）

A.q=企业资本的市场价值/企业资本的重置成本

B.q=企业资本的重置成本/企业资本的市场价值 C.q=企业资本的市场价值/企业资本的评估价值

D.q=企业投资成本/企业资本的重置成本 5.非对称信息效应的传导机制是()

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A.M↑→Ps↑→企业资产净值↑→逆向选择和道德风险↓→贷款↑→I↑→Y↑

B.M↑→Ps↑→企业资产净值↑→贷款↑→逆向选择和道德风险↑→I↓→Y↑

C.M↑→Ps↑→企业资产净值↑→逆向选择和道德风险↓→贷款↓→I↓→Y↑

D.M↑→Ps↑→企业资产净值↑→贷款↑→逆向选择和道德风险↓→I↑→Y↑

6.下列属于货币政策效果评价的前期检验指标的是（）。

A.货币供给量的增加火减少率

B.固定资产投资规模 C．货币供给结构变动比率 D.通货膨胀率

1.自我实现论又称第二代货币危机模型，最早由奥柏斯特菲尔德提出，该模型的基本设定主要有（）两点。

A假定预期利润决定投资行为 B货币当局要权衡维持固定汇率的利弊

C其他经济当事人（主要是投机者）会预测货币当局的行为，并据此决定是否采取抛售本币的行动 D政府存在大量债务 2.东南亚金融危机首先在（）爆发。A.印度尼西亚

B.日本

C.泰国

D.韩国 3.以下哪些理论属于外债危机理论？（）

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A债务-货紧缩论

B资产价格下降论 C综合性国际债务论 D道德风险论

4.在金融不稳定假说当中，海曼?明斯基把微观经济主体（公司和银行）划分为（）三种类型。

A抵补金融型单位

B稳定金融型单位

C投机金融型单位

D高风险金融型单位

5.过度交易论由经济学家（）提出。

A克鲁格曼

B奥伯斯特菲尔德

C欧文?费雪

D金德尔伯格

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