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科协、文联属于结构性意见表达主体。

题型:判断题

题目:

科协、文联属于结构性意见表达主体。

答案:

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题型:完形填空

第四部分写作(共两节,满分45分)
第一节根据短文内容填空(每空不超过3个单词,共10小题,满分10分)
The Spring Festival in China
Every year there is a Spring Festival in China. Usually it is held in January or February. Of all our festivals, the Spring Festival is the most important. So before it comes, everyone has to decorate them. The old folk says that everything must be new and clean for the Spring Festival celebrations so that the new year will bring happiness and good luck. We also buy pork, beef, chicken, fruit and many other things. Parents buy new clothes for their children and children may also buy presents for their parents.
The celebration begins on the eve of the lunar new year, and we put up some New year pictures. On the Festival eve, all the family members come back to their hometown. No matter how far away from home a person is, he will always try to get home in time for this big dinner. We often make a special kind of food called “dumplings”. It means “come together”. When we’re enjoying the meal, we give each other the best wishes for the coming year. We sing, dance and play cards.
On the first day of the holiday, we usually stay at home. We get up fairly early and, first thing, exchange New Year greetings. This is a happy moment for the children; they can get some pocket money. And then we shot off firecrackers and fireworks. We enjoy ourselves very much.
On the second and the third days, we go visiting relatives and friends. We sit around chatting and eating sweets and New Year Cakes and all kinds of delicacies. Each family prepares something special. Sometimes we would see some lion and dragon dancing.
The celebration lasts about 15 days. The 15th night of the first moon in called the Lantern Festival. This is the day when we young people go out to enjoy ourselves, and sometimes we dance folk dances far into the night.
The Spring Festival in China
Time
72______
On the festival eve
On the first day of the holiday
On the second and the third days
In 71    
 
Spring—clean houses and decorate them
All the family members come back to their hometown
76._____
Go visiting 78._____
 
Buy pork, beef, chicken, fruit and any other things
 
Make a special kind of food called 74________
 
77._____New Year greetings
Chatting and 79._______ and New Year Cakes and all kinds of delicacies
Parents buy 73______ for their children and children may also buy presents for their parents
75_______  for the coming year
Shot off firecrackers and fireworks
See some 80._______dancing
 
Sing, dance and play cards
 
 
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题型:单项选择题

马兰兰女士找到了金融理财师王先生咨询个人理财相关事宜,信息资料如下:
一、家庭基本情况
马兰兰女士,36岁,18年前与先生吴军来到城里创业。经过两人的不懈努力,他们已经拥有了自己的餐馆。
马兰兰与吴先生育有一子一女,女儿吴丹丹今年12岁,初中一年级,儿子吴兵今年3岁,幼儿园小班。同时还负责赡养吴先生在农村的父母,预计赡养15年。
二、收入支出和资产负债状况
目前餐馆经营良好,预计今年营业收入100万元,成本费用50万元(含夫妻二人每月工资)。两人每月工资各3000元,用于日常开支。女儿年学费1万元,儿子所在的幼儿园年学费3万元。老家父母每年生活费1万元。
家庭现有股票型基金成本20万元,市值30万元,某银行人民币理财产品20万元,纸黄金成本18万元,市值20万元,国债30万元,定期存款20万元(即将到期),活期存款10万元。3年前购买的二手小货车成本价3万元,去年购买的自用轿车成本25万元。5年前购买的自住用房70平米,当时一次付全款30万元。
马兰兰与先生均没有社保,他们于2年前购买了同一款20年期返还型重大疾病保险,保额均为10万元,20年期缴,马兰兰年缴保费4000元,吴先生年缴保费4500元,目前两人保单现金价值合计3000元。
三、理财目标
1.今年年底购买届时200万元的住房,打算自备款100万元,贷款100万元,贷款利率5.5%,期限20年,按年本利平均摊还。
2.一年后接吴先生父母过来同住。
3.6年后女儿上大学,培养女儿到大学毕业;15年后儿子上大学,培养儿子到硕士毕业。
4.25年后夫妻一起退休,且能够维持现有的生活水平。
四、相关假设
·收入成长率4%。
·通货膨胀率3%。
·房价成长率5%。
·房屋折旧率2%。
·房租成长率3%。
·车辆折旧率10%。
·学费成长率5%。
·小学(6年)/初中(3年)/高中(3年)教育费,每年现值1万元。
·大学(4年)的学费,每年现值2万元。
·研究生(2年)学费,每年现值3万元。
·股票型基金报酬率10%,标准差20%。
·国债报酬率3%,定期存款2%。
·退休前投资报酬率为6.5%,退休后投资报酬率是退休前的80%。
·退休后预期余寿30年。
·发生保险事故后,遗属生活费是原来的80%。

请根据以下资料回答下列问题:


马兰兰夫妇所经营的餐馆效益良好,随着餐馆营业收入的不断上升,税务问题日渐明显,因此,他们决定委托理财师帮助进行税务筹划。经与马兰兰夫妇沟通,理财师起草了以下三种方案供其选择:

将餐馆变更为有限责任公司(符合小型微利企业标准),夫妻二人每人每月领取工资7000元,由于先生在农村的父母身体还很健康,将二人聘为公司的员工,每人每月领取工资2000元,发放年终一次性奖金,父母每人3万元,马兰兰夫妇每人11万元,则年度家庭可支配收入为______。(不考虑社保及住房公积金,税后利润全部用于分红。)

A.44.48万元
B.43.24万元
C.40.25万元
D.47.36万元

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