单选题A CHALLENGE TO TRADITIONAL BANKINGTraditional methods of banking are under threat from a new type of account which is actually meant to be almost perpetually in debit. This account, to be (21) in a few months' time, is in- tended to (22) a range of personal banking services, such as current sc. counts, mortgages, per- sop, al loans and credit cards. Customers, who must (23) that they are at least five years from retirement, will be required to (24) a mortgage of at least ￡ 50,000 on their homes and have their salaries paid directly into the account. They will then have an agreed credit (25) of up to three times their annual salary, to use as they wish-as well as the usual (26) such as debit, credit and cash cards and a cheque book. Accounts in debit will be charged interest at a rate of 8.2 per cent. This (27) favourably with the standard mortgage rate of 8.45 per cent, personal loan rates of around 13 per cent and credit card (28) of about 22 per cent. When the debt is cleared- as it must be by the time the customer retires-and the account goes into credit, it will attract interest at about 5 Her cent. Some experts say that it will revolutionise personal banking in the UK. But the (29) has been dismissed as a gimmick by rival banks and criticized by consumer groups, which are voicing fears that many customers on average incomes could be (30) into serious debt.

单选题TheMegadromeParkproblemtheyarediscussingisthat

单选题If you want to buy a property in France, whether it is a permanent house or a holiday apartment, it is important to open a French bank account. Although it is possible to pay on traveller's cheques, Eurocheques and credit cards issued by British banks, the fees for these services can be expensive. The simplest way to pay regular bills, such as electricity, gas, or telephone, particularly when you are not in residence, is by direct debit from your French account. To open a current account, you will need to show your passport and birth certificate and to provide your address in your native country. You will be issued with a cheque book within weeks of opening the account. In France it is illegal to be overdrawn. All accounts must be operated in credit. However, there are no bank charges. Note that cheques take longer to clear in France than in Britain, and can only be stopped if stolen or lost. The easiest way to transfer money from a British bank to a French one is by bank transfer: simply provide your British bank with the name, address and number of your French bank account. The procedure takes about a week and costs between ￡25 and ￡40 for each transaction depending on your British bank. Alternatively, you can transfer money via a French bank in London. You can also send a sterling cheque (allow at least 12 days for the cheque to be cleared). Eurocheques or traveller's cheques. Finally, it is a good idea to make friends with your French bank manager.His help can prove invaluable.

单选题The World Intellectual Property Organization (WIPO) is one of the specialized agencies of the United Nations (UN) system of organizations. The "Convention Establishing the World Intellectual Property Organization" was signed at Stockholm in 1967 and entered into force in 1970. However, the origins of WIPO go back to 1883 and 1886, with the adoption of the Paris Convention and the Berne Convention respectively. Both of these conventions provided for the establishment of international secretariats, and both were placed under the supervision of the Swiss Federal Government. The few officials who were needed to carry out the administration of the two conventions were located in Berne, Switzerland. Initially there were two secretariats (one for industrial property, one for copyright) for the administration of the two conventions, but in 1893 the two secretariats united. The most recent name of the organization, before it became WIPO, was BIRPI, the acronym of the French-language version of the name: United International Bureaux for the Protection of Intellectual Property (in English). In 1960, BIRPI moved from Berne to Geneva. At the 1967 diplomatic conference in Stockholm, when WIPO was established, the administrative and final clauses of all the then existing multilateral treaties administered by BIRPI were revised. They had to be revised because member States wished to assume the position of full governing body of the Organization (WIPO), thus removing the supervisory authority of the Swiss Government, to give WIPO the same status as all the other comparable intergovernmental organizations and to pave the way for it to become a specialized agency of the United Nations system of organizations. Most of the inter-governmental organizations now called specialized agencies did not exist before the Second World War. They were created for the specific purpose of dealing with a particular subject or field of activity at the international level. However, some inter-governmental organizations, such as the International Labor Office (ILO), the Universal Postal Union (UPU) and the International Tele-communication Union (ITU) were in existence, and had become the responsible inter-governmental organizations in their respective fields of activity long before the establishment of the United Nations. After the United Nations was established, these organizations became specialized agencies of the United Nations system. Similarly, long before the Unit ed Nations was established, B1RPI was the responsible intergovernmental organization in the field of intellectual property. WIPO, the successor to BIRPI, became a specialized agency of the United Nations when an agreement was signed to that end between the United Nations and WI PO which came into effect on December 17, 1974.

单选题The break-even point occurs when ______ A．profits are maximized. B．sales are at a minimum. C．total revenue equals total cost. D．contribution margin is highest. E．sales discounts are minimized.

单选题A. By constant returns to specialization we mean the units of resources required to produce a good (cocoa or rice) are assumed to remain constant no matter where one is on a country's production possibility frontier (PPF). Thus, we assumed that it always took Ghana 10 units of resources to produce one ton of cocoa. B. While 10 units of resources may be sufficient to increase Ghana's output of cocoa from 12 tons to 13 tons, 11 units of resources may be needed to increase output froml3 to 14 tons, 12 units of resources to increase output from 14 tons to 15 tons, and so on. C. For example, imagine that growing cocoa uses more land and less labor than growing rice, and that Ghana tries to transfer resources from rice production to cocoa production. The rice industry will release proportionately too much labor and too little land for efficient cocoa production. To absorb the additional resources of labor and land, the cocoa industry will have to shift toward more labor-intensive methods of production. D. As a country tries to increase its output of a certain good, it is increasingly likely to draw on more marginal resources whose productivity is not as great as those initially employed. The result is that it requires ever more resources to produce an equal increase in output. E. Diminishing returns to specialization suggest that the gains from specialization are likely to be exhausted before specialization is complete. In reality, most countries do not specialize out, instead, produce a range of goods. However, the theory predicts that it is worthwhile to specialize until that point where the resulting gains from trade are outweighed by diminishing re turns.

单选题A performance evaluation ______

单选题WhenHayashibaratookoverthecompanyinthe1950's,

单选题A The survey, of 265 senior HR professionals and more than 1, 000 employees, also found that employers were taking a more strategic approach. Rather than relying on one online method of attracting and finding staff, companies are using a number of techniques—87 percent of those using corporate websites also use job boards, while 56 percent of respondents reported using more than three online options at the same time. Research conducted last year by Brooklands, a provider of integrated HR solutions, reveals that companies with fast recruitment processes have a definite advantage in the online war for talent. B Nearly three-quarters of recruiters also reported wasting time interviewing unsuitable candidates, although this is something that can be addressed by the use of online tests, which sift out unsuitable candidates before face-to-face interviews take place. ''The aim is not so much to filter people out,'' says Trevor Bond, Siemens'' UK project management champion, ''but to get as much information as possible on the individuals before they get to interview stage.'' C JD Wetherspoon''s online recruitment process for shift and kitchen managers, designed in conjunction with Changeworknow, combines relationships. ''The online application form looks formal,'' admits senior recruitment and training manager Paula Goodwin. ''But the system is quite informal, on the whole. It''s chatty and upbeat, and candidates get a few quirky comments from the system as they go along. That makes the experience fun.'' D Job boards do not create more candidates; they simply provide another channel through which they can be contacted. To survive, therefore, they have to deliver value above other channels. Another area where job boards are making their mark is in the provision of candidate pools. Website visitors will not always be-searching for work, but they may still register their CVs on the off chance that their dream job will come along. ''We have got a database of 1.3 million passive jobseekers,'' says Keith Potts, managing director of Jobsite.co.uk. ''It''s become a shop window for employees—a place where anyone can get headhunted.'' E Richard Alberge, chief executive of PSL, believes there is an evolution taking place in online recruitment. ''It''s not only about job boards and testing. It''s about how technology can make a difference, '' he says. He recognized there is still potential for growth among job boards. But he is also aware that some areas of Internet activity, including social networking sites such as Friends Reunited, Yahoo groups and even eBay communities, have yet to make their mark on the recruitment arena. These online communities could prove a better resource for candidates than any number of CV databases. 0. It is believed that online recruitment is developing. (E)

单选题Function and Purpose of Stock Markets The stock market is one of the most important (21) ... for companies to raise money. This allows businesses to be publicly (22) or raise additional financial capital for expansion by selling shares of ownership of the company in a public market. The (23) ... that an exchange provides affords investors the ability to quickly and easily sell securities. This is an attractive feature of (24) ... in stocks. Exchanges also act as the (25) ... for each transaction, meaning that they collect and deliver the shares, and guarantee payment to the seller of a security. This eliminates the risk to an individual buyer or seller that the counterparty could (26) ... on the transaction. The smooth functioning of all these activities facilitates economic growth in that lower costs. In this way the financial system is assumed to contribute to increased prosperity. History has shown that the price of shares and other (27) ... is an important part of the dynamics of economic activity, and can influence or be an indicator of social mood. An economy where the stock market is on the rise is considered to be an up-and-coming economy. In fact, the stock market is often considered the primary indicator of a country's economic strength and development. (28) ... share prices, for instance, tend to be associated with increased business investment and vice versa. Share prices also affect the wealth of households and their consumption. (29) central banks tend to keep an eye on the control and behavior of the stock market and, in (30) on the smooth operation of financial system functions.

单选题Why is it difficult for public policy to improve the market outcome?

单选题Human resources planning includes all of the following tasks except ______

单选题______，policymakers may decide it is better to live with the inefficiency of monopolistic pricing.

单选题

单选题Some people believe that you have to be a special kind of person to sell a product. But Though it is clear that a successful sales rep does need special talents and an outgoing personality, many of the skills he uses are used by us all; we build and (21) relationships with different kinds of people, we listen to and take note of what they tell us and don't just enjoy the sound of our own voices and we explain things to them and discuss ideas with them. A firm may depend on their own sales team or on the salesmanship of their distributors, wholesalers or retailers. (22) any company needs to establish a personal relationship with its major clients ("key accounts") and potential customers ("prospects"). It is often said that "people do business with people", a firm doesn't just deal impersonally (23) another firm, but a person in the buying department receives personal visits from people representing the firm's suppliers on a regular basis, or in the case of department stores (24) chain stores, a team of buyers may travel around visiting suppliers. Keeping sales people "on the road" is much more expensive (25) employing them to work in the office and much of their time is spent unproductively traveling. Telephone selling may use this time more productively (though in some countries this is illegal), but a face-to-face meeting and discussion is much more effective. Companies involved in the export trade often have a separate export sales force, (26) travel and accommodation expenses may be very high. Servicing overseas customers may consequently often be done (27) phone, telex or letter, and personal visits may be infrequent. Many firms appoint an overseas agent or distributor whose own sales force takes (28) responsibility for selling their products in another country. A sales department consists of many people who are based (29) different parts of the country or the world, who don't have the day-to-day contact and opportunities for communicating with each other that office-based staff have. (30) this reason, firms hold regular sales conferences where their entire sales force can meet, receive information and ask questions about new products and receive training.

单选题{{B}}How to approach Listening Test Part Three{{/B}} · In this part of the Listening Test you listen to a long conversation or interview and answer eight questions. · Before you listen, read the questions. Think what the recording will be about. · Note all possible answers as you listen for the first time. Do not make an immediate decision. Do not worry if you do not know the answers. You will hear the recording a second time. · Listen for overall meaning. Do not choose an answer just because you hear the same words in the recording as in the question. · Decide on your final answer only after you have listened for the second time. · You will hear a radio interview with Carolyn Whitcombe about the business consultancy which she runs. · For each question 23 - 30, mark one letter A, B or C for the correct answer. · You will hear the recording twice.

单选题The Present Recession Affects Women More Than Men If men were the first to lose their jobs in the heart of the economic crisis in the United States, a study now shows a trend, women, (21) mothers today, are suffering the collateral effects, while the American economy is back on the road to growth. According to a report by the Joint Economic Committee of American Congress, American men were the most affected at the beginning of the crisis as over- (22) in most key sectors such as building and industry. Today, they are finding jobs, unlike women and especially single mothers. Between October 2009 and March 2010, women have lost 22,000 jobs while men have found 260,000 jobs, a (23) by that Committee. According to the chairwoman of this Committee, Democrat Carolyn Maloney, the conclusions of the survey show that single women were particularly affected, with an (24) rate that (25) from 8 percent to 13.6 percent between the year 2007 to 2009. (26) one third of jobs destroyed during the current recession were (27) by women, said Ms. Maloney. For example, it was discovered that during (28) recessions, this percentage was lower: Women have been affected by 15 percent of job losses during the recession of 2001. While women are losing more jobs, their families are more (29) on women incomes, said Carolyn Maloney. In 2009, 3.3 million women worked part time for (30) reasons, the report said. Either because they had not found a full-time employment or their working hours had been reduced to part time. So let's all hope that this trend will change soon and that the economy gets better soon in America for women as well as for men.