2019-2025年银行招聘之银行招聘综合知识高分通关题型题库附解析答案.docx

2019-2025年银行招聘之银行招聘综合知识高分通关题型题库附解析答案

单选题（共600题）
1、 期末根据账簿记录．计算并记录出各账户的本甥发生额和期末余额．在会计上叫（ ）。
A.对账
B.结账
C.调账
D.查账

【答案】 B
2、由两个以上的个人共同出资，通过签订协议而联合经营的企业属于（　　）。
A.合伙制企业
B.个人业主企业
C.有限责任公司
D.股份有限公司

【答案】 A
3、Passage 6
A.show the good services offered in some web restaurants
B.criticize some restaurants for the poor services
C.show the Internet’s ability to collect data on you
D.prove the incredible power of the Internet to change your diet

【答案】 C
4、下列关于负债的说法，错误的是（　　）。
A.是由企业过去的交易或者事项所形成的
B.是企业承担的现时义务
C.预期会导致经济利益流出
D.一般将负债分为短期借款与长期借款

【答案】 D
5、我国商业银行的核心资本包括（ ）。
A.实收资本、资本公积、盈余公积、未分配利润
B.实收资本、资本公积、呆账准备金、长期债务
C.实收资本、未收资本、重估资本、未分配利润
D.资本净值、资本盈余、未分配利润、呆账准备金

【答案】 A
6、资料：Memo
A.It is the most expensive book on the list
B.It is written on the same topic as is Ms.Karl’s book
C.It first appeared on the list three weeks ago
D.It has fallen in popularity since last week

【答案】 D
7、按组合键（　　）可选定整个Word文档。
A.AIt+P
B.Ctr1+A
C.AIt+F4
D.AIt+Esc

【答案】 B
8、中央银行可以通过以下哪项政策来收缩货币？（　　）
A.下调存款准备金率
B.从公开市场买进证券
C.上调再贴现率
D.增加财政支出

【答案】 C
9、利率是（ ）的价格。
A.货币资本
B.借贷资本
C.外来资本
D.银行资本

【答案】 B
10、2017年4月份，某省规模以上食品工业增加值同比增长15.0%，比全省规模工业平均水平高9.4个百分点。其中，农副食品加工业增长14.0%，食品制造业增长18.6%，酒、饮料和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%，增幅比全省规模工业平均水平高4.5个百分点。
A.38.5%
B.42.6%
C.53.7%
D.78.8%

【答案】 D
11、Sometimes that stress is relieved______in the form of a large earthquake .
A.gradually
B.steadily
C.slowly
D.suddenly

【答案】 D
12、 按照审计的主体不同，审计可以分为（　　）。
A.财务报表审计和合规性审计
B.政府审计、内部审计和注册会计师审计
C.详细审计和资产负债表审计
D.整体审计和局部审计

【答案】 B
13、There are several____between our new photocopier and our old one: these include an advanced colour facility and a multitask option.
A.similar
B.similarly
C.similar to
D.similarities

【答案】 D
14、证券发行是指证券发行人以筹集资金为目的，在证券发行市场依法向投资者以同一条件出售证券的行为。证券发行分为公开发行和非公开发行。如果某机构发行者将证券面向少数特定的投资者发行的方式称为（　　）。
A.机构发行
B.有限发行
C.私募发行
D.公募发行

【答案】 C
15、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers don’t necessarily fall into the category of “toxic,”but they’re just kind of a drag with their cynical, pessimistic worldview.If you ‘re dealing with a negative employee,here are 3 steps to take.
A.Three Way to Build an Effective Team
B.How to be a Positive Employee
C.Is it Important to Sustain a Successful Workplace Environment
D.Several Tips for Managing a Team

【答案】 A
16、通常情况下，下列商业银行资产的流动性自高至低排序正确的是（　　）。
A.（2）＞（1）＞（3）＞（4）
B.（1）＞（2）＞（3）＞（4）
C.（2）＞（1）＞（4）＞（3）
D.（1）＞（2）＞（4）＞（3）

【答案】 D
17、Her parents insist that she____alone.
A.live
B.lives
C.lived
D.is living

【答案】 A
18、In sub-Saharan Africa today, for instance, gross investment____for roughly of national income.
A.estimates
B.accounts
C.constitutes
D.makes

【答案】 B
19、Passage 1
A.optimistic
B.pessimistic
C.gloomy
D.Objective

【答案】 A
20、In____, the company owns and operates four television stations.
A.addition
B.plus
C.also
D.more

【答案】 A
21、在国际银行监管史上有重要意义的l988年《巴塞尔协议》规定，银行的总资本充足率不能低于（　　），核心资本充足率不得低于（　　）。
A.4%8%
B.6%8%
C.8%4%
D.10%4%

【答案】 C
22、“虎求百兽而食之，得狐。狐曰：‘子无敢食我也。天帝使我长百兽，今子食我，是逆天帝命也。子以我为不信，吾为子先行，子随我后，观百兽之见我而敢不走乎!’虎以为然，故遂与之行。兽见之皆走。虎不知兽畏己而走也，以为畏狐也。”老虎之所以犯这种错误，在于割裂了（　　）。
A.必然与偶然之间的关系
B.内容与形式之间的关系
C.本质与现象之间的关系
D.可能与现实之间的关系

【答案】 C
23、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the degrading joints
B.the thinning of your hair
C.the good condition of your organs
D.the wrinkles around your eyes

【答案】 C
24、美国的高盛公司、摩根·斯坦利公司、日本的野村证券等投资银行的形式在世界范围内广泛存在，并且它们都有各自擅长的专业方向。高盛公司、摩根·斯坦利公司等投资银行属于( )类型的投资银行。
A.独立的专业性银行
B.商人银行
C.全能性银行
D.财务公司

【答案】 A
25、资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June 27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.
A.strengthen
B.build
C.connect
D.decorate

【答案】 A
26、In____, the company owns and operates four television stations.
A.addition
B.plus
C.also
D.more

【答案】 A
27、—I think English is_math.
A.much important than
B.so important as
C.as important as
D.as more important as

【答案】 C
28、甲乙在银行存款共9600元，如果两人取走各自存款的40%，然后甲再从存款中转账120元给乙，这时两人存款数相等。那么甲的原存款为多少元？
A.3500
B.3900
C.4200
D.5000

【答案】 D
29、Italy calls an emergency meeting to save the ancient city of Pompeii（　　）falling down.
A.on
B.off
C.from
D.against

【答案】 C
30、Passage 10
A.give their parents some free time
B.make their parents more creative
C.help them with their homework
D.help them become more attentive

【答案】 A
31、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financial news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.
A.Banker
B.Librarian
C.Journalist
D.Publisher

【答案】 C
32、对有价证券行市的正确理解是（　　）。
A.证券行市与市场利率负相关
B.证券行市是有价证券的发行价格
C.证券行市是证券面值的资本化
D.证券行市与证券收益率负相关

【答案】 A
33、债券本期收益率的计算公式是（ ）。
A.票面收益/市场价格
B.票面收益/债券面值
C.（出售价格－购买价格）/市场价格
D.（出售价格－购买价格）/债券面值

【答案】 A
34、中断处理时，要求保留现场的原因是（ ）。
A.为了保证不丢失数据
B.为了保证原程序完整
C.为了中断结束时返回原程序执行
D.中断处理时需要使用现场中的数据

【答案】 C
35、已知信息如下：
A.甲是销售员
B.戊是收银员
C.丙是销售员
D.丁是经理

【答案】 C
36、生物体构造的主要物质是（ ），生命遗传的物质基础又是（ ）。
A.细胞；蛋白质
B.蛋白质；核酸
C.蛋白质；细胞
D.细胞；核酸

【答案】 B
37、系统软件的功能是（ ）。
A.充分发挥硬件资源的效益，为用户使用计算机提供方便
B.解决输入输出的问题
C.清除病毒，维护计算机系统正常运行
D.用于程序设计

【答案】 A
38、Despite his Catholic background, Kennedy also became a strong advocate of_____rights and later, a supporter of same-sex marriage.
A.waste
B.removal
C.autonomy
D.abortion

【答案】 D
39、Compared（　　）circuits built from separate components IC’s are very much smaller,lighter,cheaper and more reliable.
A.of
B.with
C.to
D.for

【答案】 B
40、Henry’s business is much worse than before, therefore, he has to ______ the expense of his corporation.
A.cut into
B.cut in
C.cut down
D.cut off

【答案】 C
41、It is uncertain（　　）side effect the medicine will bring about.
A.that
B.what
C.how
D.whether

【答案】 B
42、中长期贷款，为了使借贷双方承担的利率风险较小，一般都倾向于选择（　　）。
A.浮动利率
B.固定利率
C.市场利率
D.复利

【答案】 A
43、 已知某企业本年目标利润为2 000万元，产品单价为600元，变动成本率为30％，固定成本总额为600万元，则企业的保利量为（　　）。
A.61905
B.14 286
C.50000
D.54 000

【答案】 A
44、资料：What attracts customers? Obviously the quality of a product does, but visual images contribute a great deal. It is not only the image provided by the packaging that counts but the whole corporate identity of the company.
A.the examples of logos which are emotive and can inspire loyalty
B.the examples of giving people idea of the products by using the images
C.the examples of logos which fit in with contemporary design
D.None of above

【答案】 A
45、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.noting is true with the phenomenon that young people died of cyberbullying
B.the claim that young people cannot imagine living to the next day is not the fact
C.research shows that suicidal ideations are caused more by the online bullying
D.many young people take their own lives not online but in reality

【答案】 A
46、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21日，人民币汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格局，呈现稳中有升的态势。
A.固定汇率制
B.浮动汇率制
C.盯住汇率制
D.有管理的浮动汇率制

【答案】 C
47、在银行发放贷款的情况下，货币作为价值运动的独立形式从银行单方面转移到借款人，这时货币的职能是（　　）。
A.价值尺度
B.支付手段
C.流通手段
D.贮藏手段

【答案】 B
48、我国的金融债券最主要的发行主体是（　　）。
A.商业银行
B.中国人民银行
C.政策性银行
D.证券公司

【答案】 D
49、货币政策诸目标间呈现一致性关系的是（）。
A.经济增长与充分就业
B.充分就业与国际收支平衡
C.物价稳定与经济增长
D.物价稳定与充分就业

【答案】 A
50、 长期股权投资的被投资单位因增资扩股而增加的所有者权益，银行应记账为（　）。
A.借：长期股权投资——股票投资(股权投资准备)贷：资本公积——股权投资准备
B.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)
C.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)
D.借：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)贷：资本公积——股权投资准备

【答案】 D
51、I never imagined that she could walk（　　）far,7 miles per day!.
A.as
B.such
C.that
D.very

【答案】 C
52、 下列担保中，属于人的担保的是（　　）。
A.保证担保
B.留置担保
C.抵押担保
D.质押担保

【答案】 A
53、以下关于宏观经济政策与证券市场间的关系说法错误的是（　　）。
A.汇率下降，本币升值，出口型企业证券价格就会上扬
B.货币政策的调整会直接、迅速地影响证券市场
C.财政政策的调整对证券市场具有持久但较为缓慢的影响
D.汇率政策的调整从结构上影响证券市场价格

【答案】 A
54、关于债券收益率的说法错误的是（ ）。
A.易被赎回的债券的名义收益率比较高
B.享受税收优惠的债券的收益率比较低
C.流动性低的债券收益率较高
D.违约风险髙的债券收益率比较低

【答案】 D
55、资料：There's a good chance that spicy crunchy tuna roll you ordered for lunch doesn't actually contain any tuna at all.
A.Because the risk of fake fish is too high
B.Because not every restaurant can afford snapper
C.Because consumers don't like snapper sushi
D.Because snapper is rare

【答案】 A
56、下列关于网络带宽的说法错误的是（　　）。
A.在数字设备中.带宽有时候以bps表示
B.带宽容量只取决于上网电脑的运行速度
C.带宽指在固定的时间可传输的资料数量
D.高带宽允许更快速的数据传输

【答案】 B
57、资料：Asked to name their favorite city, many Americans would select San Francisco which began as a small Spanish outpost located on a magnificent bay. The town was little more than a village serving ranchers when the United States took possession of it in 1846 during the war with Mexico.
A.1850
B.1852
C.1846
D.1848

【答案】 A
58、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。
A.The conceptions of globalization vary
B.The disciplines in the social sciences vary
C.There are less conceptions of globalization
D.There are many disciplines in the social sciences

【答案】 C
59、 下列会计科目中，不属于资产类的是（　　）。
A.累计折旧
B.应收账款
C.预收账款
D.预付账款

【答案】 C
60、资料：The soybean prices ended higher this Monday as traders expect supplies to remain tight.
A.Because the general production of soybean stayed steady
B.Because the supplies were expected to keep tight
C.Because China’s demand for soybean increased
D.Because the trade of soybean was quite active

【答案】 B
61、下面不属于M1的范围的是（　　）。
A.李某在交通银行的活期存款1.5万元
B.某企业用于日常支付的流动现金80万元
C.小卖部老板持有的1000个1元硬币
D.某民间协会的三年定期存款20万元

【答案】 D
62、 现金清查中，发现现金短缺500元，经研究决定由出纳人员赔偿300元，余款报损。则批准处理后的会计分录为（　　）。
A.借：库存现金500贷：待处理财产损溢500
B.借：待处理财产损溢500贷：现金500
C.借：其他应收款300营业外支出200贷：待处理财产损溢500
D.借：其他应收款300管理费用200贷：待处理财产损溢500

【答案】 D
63、 下列权利不属于用益物权的是（　　）。
A.土地承包经营权
B.抵押权
C.建设用地使用权
D.地役权

【答案】 B
64、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Third parties will have to buy fraud insurance
B.Regulators have come up with promising solutions
C.Banks' defense against cyber attacks is strong
D.Third parties will check clients' data monthly

【答案】 B
65、联合国大会将每年的（　　）定为“妇女和女童参与科学国际日”，今年的主题是“投资妇女和女童参与科学，促进包容性绿色增长”。
A.2月10日
B.2月11日
C.2月12日
D.2月13日

【答案】 B
66、While they mainly have ______Japanese tourists previously，luxury stores in Paris now employ Mandarin-speaking assistants for custormers from China.
A.amounted to
B.referrde to
C.adhered to
D.catered to

【答案】 D
67、在1月18日凌晨结束的2021斯诺克大师赛决赛中，20岁的中国球员（　　）战胜英国名将约翰·希金斯夺冠，成为历史首位“00后”大师赛冠军。
A.颜丙涛
B.颜振涛
C.丁俊辉
D.王涛

【答案】 A
68、I have to admit that， although I still find him rather arrogant， he has gone up ______ my estimation recently.
A.to
B.in
C.for
D.at

【答案】 B
69、下列关于公司债券的说法中，错误的项是（　　）。
A.公司债券募集办法中应当载明公司净资产额
B.它是一种有价证券
C.有记名债券也有无记名债券
D.公司均以电子券方式发行公司债券

【答案】 D
70、计算机网络中传送速率的单位bps的含义是（　　）。
A.每秒字节数
B.每秒波特数
C.每秒字符数
D.每秒位数

【答案】 D
71、According to a recent report, depression is the second leading______of disability worldwide.
A.cause
B.consideration
C.fact
D.matter

【答案】 A
72、Some experts note that children’s performances are____ more influenced by parents than by teacher.
A.quite
B.many
C.almost
D.far

【答案】 D
73、材料一：为进一步支持实体经济发展，优化流动性结构，降低融资成本，中国人民银行决定下调金融机构存款准备金率1个百分点，其中，2019年1月15日和1月25日分别下调0.5个百分点。同时，2019年一季度到期的中期借贷便利（MLF）不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动，有利于金融机构继续加大对小微企业、民营企业支持力度。
A.货币供给增加
B.货币供给减少
C.货币需求增加
D.货币需求减少

【答案】 A
74、The news that they failed their driving test discouraged him，（ ）？
A.did they
B.didn't they
C.did it
D.didn't it

【答案】 D
75、资料：The daily changes of the market can lead investors astray.The ups and downs make the tendency to look at the portfolio,s performance frequently too temping.This means investers are likely to perceive mere risk,forgetting about their key term goals.
A.Keep themselves from checking their trading accounts
B.Avoid risks in terms of investment plans
C.Pay attention to long-term interests rather than short-term ones
D.缺

【答案】 C
76、资料：It's so common to hear people say， “I’m stressed out，” almost as a badge of honor， as if this is a symptom only of our fast-paced modern life. But in her book， “Exhaustion： A History，”Anna Katharina Schaffner writes that the syndrome of mental exhaustion has existed almost since the beginning of human history.
A.The state of being very old or ancient
B.The state ofbeing mentally exhausted
C.The state of complete physical exhaustion
D.The state of difficult life experience in earlier times

【答案】 A
77、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager of the supermarket. But in eith