内勤主任或会计主管每季度至少检查一次有价单证库存，帐实核对相符后，填写查库记录，以备查考

重要空白凭证是指由村镇银行或单位填写金额并经签章后即具有支取款项效力的空白凭证

重要空白凭证的管理要贯彻“证印分管，证押分管”的原则，实行专人负责，入柜保管，并经常进行帐、证核对，保证帐实相符

内勤主任或会计主管每月应对重要空白的使用，结存数量进行清查核对，并在登记簿上进行登记

汇款人委托银行将款项支付给收款人的结算方式是汇兑

人民币和外币是货币

储蓄定期存款部分提前支取只能部提2次，部提时帐户作销户处理

临时存款帐户实行有效期管理，最长不得超过2年

对临时存款账户使用的最长有效期限为三年

柜员现金调拨交易需要主管授权

活期存款支取时，现金支取允许作无折交易

在贷款发放中，同一账号内借据号允许重复

柜员制的基本形式为柜员单人临柜

储蓄机构接到储户存单挂失申请，经查存款不在该支行，可办理挂失

零存整取储蓄存款可以部分提前支取

现金调拨只能在同一营业网点进行

在办理通存通兑业务中，存款人在异地办理存入款项可以不按实名制办理

对储蓄存款利息所得征收个人所得税，以结付利息的储蓄机构为扣缴义务人，实行代扣代缴

各储蓄机构必须保证储蓄存款的支取，不得以任何理由拒绝储蓄存款的提取

活期储蓄存款的存入期内遇有利率调整，按存单开户日挂牌公告的活期储蓄存款利率付利息

存款人开立单位银行结算账户，只能在开立之日起3个工作日后，方可办理付款业务

如单位银行结算账户的存款人经营地与注册地不在同一地方的，则可以在经营地与注册地分别开立一个基本存款账户

大额支付系统逐笔实时处理支付业务，全额清算资金

小额支付系统与大额支付系统不共享清算账户资金

《支付结算办法》中的票据不仅包括银行汇票、商业汇票、本票、还包括支票、汇兑凭证、汇票申请书等

根据《银行账户管理办法》的规定，个人也可以在银行开立基本存款账户

一般存款账户的存款人可以通过本账户办理转账结算和现金缴存，但不能办理现金支取

依照《银行账户管理办法》的规定，存款因更新改造设备拨付资金的需要，可以开立一般存款账户

在汇兑过程中，对于开立银行账户的收款人，银行应将款项直接转入收款的账户，银行确实将款项转入其账户的凭据是汇款回单

工号牌应佩戴于左胸上方，上沿与左胸口袋对齐

可以向客户提供其他客户信息

接待客户时态度要热情、耐心、面带微笑

站姿要身体挺直，双手交叉放于胸前

坐姿要保持上身挺直，双手重叠，放于工作台上

严禁客户在场时，临柜人员接打手机、电话

营业场所内外只有看到的地方不能有灰尘、杂物

营业人员可以拒收客户的零、残币

营业网点员工应坚持客户至上的原则，以主动、热情、礼貌、友好的积极态度和文明形象，为客户提供优质服务

临时身份证可以办理正式挂失，以及挂失的后续处理

柜员应严格执行规章制度，牢固树立竞争意识、服务意识，认真做好服务工作

___

“割下来的手就不再是人手”这句话体现了___

唯物辩证法认为发展的实质是___

区分新事物和旧事物的标志在于看它们___

质量互变规律揭示了___

质和事物的存在是___

在实际工作中，要注意掌握分寸，防止“过”或“不及”，其关键在于___

区分量变和质变的根本标志是看___

量变的复杂性是指___

量变中的阶段性部分质变表现了___

量变中的局部性部分质变是___

揭示事物发展的趋势和道路的规律是___

“肯定和否定相互渗透，在一定意义上，肯定就是否定。”这是一种___

事物的否定方面是指___

作为辩证的否定的“扬弃”是___

辩证的否定是事物发展的环节,因为辩证的否定___

否定之否定规律___

事物发展的周期性体现了___

直线论的错误在于只看到___

循环论的错误在于___

对立统一规律揭示了___

唯物辩证法的实质和核心是___

辩证法所说的矛盾是指___

矛盾的基本属性是___

依据是___

矛盾问题的精髓是___

题的方法都是___

“任何个别（无论怎样）都是一般”。这句话的正确含义是___

在唯物辩证法看来，水果同苹果、梨、香蕉、桔子等的关系是___

“是就是是，不是就是不是，除此之外都是鬼话。”这是一种___

真象和假象的区别在于___

有的哲学家说，在大风扬起的尘土中，每一粒尘土的运动状况都是纯粹必然的。这是种___

“或然率”是指___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What does the author think of the 2015 report by the Census Bureau?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What does the author say about the Jones-Klenow method?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What do Jones and Klenow think of the comparison between France and the U.S. in terms of real consumption per person?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What is an advantage of the Jones-Klenow method?___

Economically speaking, are we better off than we were ten years ago? Twenty years ago? In their thirst for evidence on this issue, commentators seized on the recent report by the Census Bureau, which found that average household income rose by 5.2% in 2015. Unfortunately, that conclusion puts too much weight on a useful, but flawed and incomplete, statistic. Among the more significant problems with the Census’s measure are that: 1) it excludes taxes, transfers, and compensation like employer-provided health insurance; and 2) it is based on surveys rather than data. Even if precisely measured, income data exclude important determinants of economic well-being, such as the hours of work needed to earn that income. While thinking about the question, we came across a recently published article by Charles Jones and Peter Klenow, which proposes an interesting new measure of economic welfare. While by no means perfect, it is considerably more comprehensive than average income, taking into account not only growth in consumption per person but also changes in working time, life expectancy, and inequality. Moreover, it can be used to assess economic performance both across countries and over time. The Jones-Klenow method can be illustrated by a cross-country example. Suppose we want to compare the economic welfare of citizens of the U.S. and France in 2005. In 2005, as the authors observe, real consumption per person in France was only 60% as high as the U.S., making it appear that Americans were economically much better off than the French on average. However, that comparison omits other relevant factors: leisure time, life expectancy, and economic inequality. The French take longer vacations and retire earlier, so typically work fewer hours; they enjoy a higher life expectancy, presumably reflecting advantages with respect to health care, diet, lifestyle, and the like; and income and consumption are somewhat more equally distributed there than in the U.S. Because of these differences, comparing France’s consumption with the U.S.’s overstates the gap in economic welfare. Similar calculations can be used to compare the U.S. and other countries. For example, this calculation puts economic welfare in the United Kingdom at 97% of U.S. levels, but estimates Mexican well-being at 22%. The Jones-Klenow measure can also assess an economy’s performance over time. According to this measure, as of the early-to-mid-2000s, the U.S. had the highest economic welfare of any large country. Since 2007, economic welfare in the U.S. has continued to improve. However, the pace of improvement has slowed markedly. Methodologically, the lesson from the Jones-Klenow research is that economic welfare is multi-dimensional. Their approach is flexible enough that in principle other important quality-of-life changes could be incorporated—for example, decreases in total emissions of pollutants and declines in crime rates. What can we infer from the passage about American people’s economic well-being?___

大学生的成才目标是___。

现代人才素质的灵魂是___。