2025年银行招聘之银行招聘综合知识能力检测试卷A卷附答案.docx

2025年银行招聘之银行招聘综合知识能力检测试卷A卷附答案

单选题（共600题）
1、资料：As a startup founder, my daily tasks include everything from long-term strategic planning to approving team outings and company culture initiatives. Day after day, things inevitably come up that need to get handled ASAP. But l've also learned that if you don't have a strategy for making time for those bigger ambitions and your truly lofty goals, they'll simply never get done. And that means you won't make the progress that's really going to move your business forward.
A.When you are most focused
B.When there is no discussions
C.Last at night
D.Bright and early in the morning

【答案】 A
2、下列各项，不影响企业利润表中“营业利润”的项目有（ ）。
A.主营业务收入
B.营业外收入
C.投资收益
D.资产减值损失

【答案】 B
3、Students have show that travelers benefit financially ____ being able to make their own fight and hotel reservations.
A.for
B.about
C.plus
D.from

【答案】 D
4、资料：packing tips
A.Rush out to the baggage carousel
B.Use a grey suitcase
C.Head to the Lost & Found
D.Mark with a brightly colored string

【答案】 D
5、以协调员工个人成长和企业发展需求两者之间关系为目的的人力资源规划是（　　）。
A.职业规划
B.继任计划
C.培训开发规划
D.配备规划

【答案】 A
6、下列说法不正确的是（ ）。
A.舞低杨柳楼心月——柳永
B.两情若是久长时——秦观
C.此情无计可消除——李清照
D.可惜流年、忧愁风雨——辛弃疾

【答案】 A
7、新中国第一家全国性的股份制商业银行成立于（ ）年。
A.1980
B.1979
C.1987
D.1985

【答案】 C
8、Passage 1
A.giving examples
B.By providing data.BBy raising questions
C.By making comparisons

【答案】 A
9、Exce1的工作表中，通常情况下列标记是（　　），行标记是（　　）。
A.字母、数字
B.数字、字母
C.汉字、数字
D.数字、汉字

【答案】 A
10、 Like no previous technology, mobile technology has spread______an unprecedented pace in the last few years.
A.at
B.in
C.on
D.with

【答案】 A
11、以下属于中国银行业协会的会员单位的是（ ）。
A.中国邮政储蓄银行
B.证券公司
C.金融控股公司
D.财产保险公司

【答案】 A
12、资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
A.having accounts sent to collections
B.looking for a no-credit credit card
C.paying down the balance
D.closing your credit accounts

【答案】 B
13、多路复用技术通常分为时分多路复用、（　　）和波分多路复用。
A.村分多路复用
B.频分多路复用
C.幅分多路复用
D.空分多路复用

【答案】 B
14、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.nature
B.each other
C.other teams
D.international standards

【答案】 A
15、为了提高经济增长率，可以采取的措施是（ ）。
A.加强政府的宏观调控
B.刺激消费水平
C.减少工作时间
D.推广基础科学及应用科学的研究成果

【答案】 D
16、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Kuwait，Qatar and UAE will face tougher situation than other peers
B.Qatar and UAE’s economy will be better than that of Kuwait
C.Life for Saudi Arabia，Oman and Bahrain will only be tougher
D.All GCC states will hardly solve the hard problem

【答案】 C
17、分贝是用来表示声音强弱的单位，根据我国城市环境噪声标准规定，以居住、文教机关为主的区域为一类区，适用这一类区的环境噪声标准是（）。
A.白天55分贝，夜间40分贝
B.白天55分贝，夜间45分贝
C.白天60分贝，夜间50分贝
D.白天60分贝，夜间55分贝

【答案】 B
18、低迷指经济萧条、衰退，不景气。以下属于“低迷”的是（ ）。
A.某商场开业时间不长，员工跳槽比例高
B.北京某餐馆每天只出售一桌菜肴，就餐者须提前一个月预订
C.妙桥服装市场原先人山人海，近一年来门可罗雀
D.采用顾客会员制后，美容店顾客开始增加

【答案】 C
19、金融市场最主要的基本功能是（　　）。
A.融通货币资金
B.优化资源配置
C.风险分散
D.定价功能

【答案】 A
20、（　　）the wealth of the country increases,more waste will be produced.
A.With
B.As
C.For
D.Since

【答案】 B
21、若一国的财政收入比支出要少，则说明该国出现（　　）。
A.通货膨胀
B.金融危机
C.财政赤字
D.贸易赤字

【答案】 C
22、 已知某投资项目按14％贴现率计算的净琨值大于零．接16%贴现率计算的净现值小于零，则该项目的内含报酬率肯定（　　）。
A.大于14％，小于16％
B.小于14％
C.等于15％
D.大于16％

【答案】 A
23、An entrepreneur’s product or service must sound ______ and marketable, enough to convince people to become investors.
A.sustainable
B.feasible
C.probable
D.eligible

【答案】 B
24、把下列句子组成语意连贯的语段，排序最恰当的一项是（　　）。
A.（4）（1）（5）（3）（2）
B.（4）（3）（5）（1）（2）
C.（5）（1）（2）（4）（3）
D.（5）（3）（4）（1）（2）

【答案】 A
25、下列关于IP地址说法中错误的是（ ）。
A.一个IP地址只能标识网络的唯一的一台计算机
B.IP地址一般用点分十进制表示
C.地址205.106.256.36是一个合法的IP地址
D.同一个网络中不能有两台计算机的IP地址相同

【答案】 C
26、Passage 10
A.simplify routine matters
B.absorb user attention
C.better interpersonal relations
D.increase work efficiency

【答案】 B
27、资料：Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would you like to join her for dinner again？” Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.
A.It was created by Mrs.Field
B.It collects information on you usually without your knowing it
C.It is a hardware needed to access to your computer
D.It is the latest in technology

【答案】 B
28、投资一笔国债，5年期，平价发行，票面利率为12. 22%，单利计息，到期一次还本付息， 则该债券的到期收益率是（）。
A.9%
B.11 %
C.10%
D.12 %

【答案】 C
29、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a United Nations report published on Thursday.
A.To explain the recent achievement of poverty reduction
B.To conclude that the world has changed so dramatically
C.To criticize developed countries
D.To predict that things can be better

【答案】 A
30、实行混业经营集中监管的国家，对银行机构业务经营的范围（ ）。
A.实行严格的限制
B.实行一定程度的限制
C.基本没有限制
D.完全没有限制

【答案】 B
31、价格变动影响对总收益的影响取决于（　　）。
A.需求收入弹性
B.供给数量弹性
C.供给价格弹性
D.需求价格弹性

【答案】 D
32、After a long and difficult strike,the plant workers will show up to work______Monday.
A.starting on
B.afterwards
C.instead
D.outside

【答案】 A
33、“马力”一词表示的是（　　）。
A.是一个动力单位
B.表示一匹马的能量
C.表示一匹马的速度
D.表示发动机的功率

【答案】 D
34、Consequently，a sustainable business model can______companies to better adapt to complex environments and achieve sustainable competitive advantages。
A.render
B.enable
C.cause
D.ensure

【答案】 B
35、Passage 3
A.In Favor of the Gap Year
B.The ABCs of the Gap Year
C.The Gap Year Comes Back
D.The Gap Year:A Dilemma

【答案】 A
36、资料：What if you were told there was a way you may strengthen your cognitive skills and heighten your intelligence, and all you had to do was was learn to strike up basic conversations in another language?
A.attracting readers to a new approach that will help them become bilingual in 10 days
B.introducing various ways of learning a foreign language
C.explaining the benefits of learning a foreign language
D.making readers pay attention to the importance of learning foreign languages

【答案】 A
37、It was very important（　　）all projects before the end of the fiscal year.
A.complete
B.completed
C.completing
D.to complete

【答案】 D
38、Your natural hair color begins to fade（　　）you grow older,and in time you grow grey.
A.since
B.when
C.while
D.as

【答案】 D
39、Swimming is an all-body workout。It______small muscle groups that often get ignored in other workouts。
A.helps
B.keeps
C.heals
D.works

【答案】 D
40、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.An overall native forecast
B.Ad frequency and scalability issues
C.The forecasts for how revenues from these formats will grow over the next five years
D.The illustrations of what factors are driving up spending on each of these ad units

【答案】 A
41、借助于金融市场的交易组织、交易规则和信用制度，以及丰富的可供选择的金融产品和便利的资产交易方式，为各种期限、内容不同的金融工具互相转换提供了必需的条件，可降低交易成本，便利金融工具实现交易的金融市场功能是（　　）。
A.货币资金融通功能
B.优化资源配置功能
C.交易及定价功能
D.经济调节功能

【答案】 C
42、在民事诉讼时效斯间的最后6个月内，权利人因不可抗力或者其他障碍不能行使请求的,诉讼时效（ ）。
A.中断
B.中止
C.延长
D.终止

【答案】 B
43、不属于货币市场工具特点的是（　　）。
A.期限较短
B.风险较低
C.普遍存在担保
D.流动性高

【答案】 C
44、Whats corrosion It’s a chemical（　　）in which metal is transformed into salt and oxides.
A.action
B.react
C.response
D.reaction

【答案】 D
45、A（n） ___ five years ago, Pangkor boasted sweet-singing birds. Now the jungle is being cut down.
A.just
B.mere
C.only
D.simple

【答案】 B
46、下列有关商业银行办理业务的规定正确的是（　　）。
A.商业银行可以任意提高利率来吸收存款
B.商业银行办理结算业务根据需要可以压单
C.商业银行办理业务不能收取手续费
D.商业银行不得在没有客户办理业务的时候自行缩短营业时间

【答案】 D
47、The WHO says there is currently no evidence of human-to-human ______ of the virus.
A.translation
B.transition
C.transmission
D.transaction

【答案】 C
48、 下列会计分录中，属于简单会计分录的是（　　）。
A.一借多贷
B.一贷多借
C.一借一贷
D.多借多贷

【答案】 C
49、Chinese table cloth is ____for its fine quality, exquisite workmanship and compelling style.
A.distinctive
B.nominated
C.notable
D.deviated

【答案】 C
50、Upon completing his examination ___ the patient, the docter offered his judgment of her condition.
A.of
B.off
C.about
D.around

【答案】 A
51、多数鱼类背部发黑、腹部发白，其原因是（ ）。
A.长期进化形成的保护色
B.背部比腹部接受光线多，导致色素沉淀
C.背部比腹部黏膜厚，吸收光线多
D.背部鱼鳞多，吸收光线多

【答案】 A
52、资料：We never thought we'd say this, but we'd welcome back some chilly weather.
A.About 60s and 70s
B.Between 60s and 90s
C.Below 60s
D.About 80s and 90s

【答案】 D
53、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?
A.disagreeable
B.mixed
C.cautious
D.negative

【答案】 B
54、Passage 4
A.law courts have decided not to use fashionable words
B.it is widely accepted by all the insured
C.it enables ordinary people to understand it easily
D.the meaning of such wording has been agreed upon

【答案】 D
55、Passage 9
A.read a text slowly
B.read without thinking hard
C.interpret a text in their own way
D.concentrate on the meaning of words only

【答案】 D
56、The spokesman didn’t（　　）any details concerning the disarmament talk.
A.expose
B.disclose
C.enclose
D.impart

【答案】 B
57、To our surprise， she suddenly（ ）in front of us。
A.appealed
B.appeared
C.appeased
D.prepared

【答案】 B
58、Whats corrosion It’s a chemical（　　）in which metal is transformed into salt and oxides.
A.action
B.react
C.response
D.reaction

【答案】 D
59、下列各项中．不属于《新巴塞尔资本协议》中“三大支柱”的是（　　）。
A.最低资本要求
B.市场约束
C.综合监管
D.监管当局的监督检查

【答案】 C
60、资料：Job Responsibilities:
A.Teaching Assiatant
B.Senior Manager
C.Administrative Assistant
D.Secretary

【答案】 D
61、资料：As a startup founder, my daily tasks include everything from long-term strategic planning to approving team outings and company culture initiatives. Day after day, things inevitably come up that need to get handled ASAP. But I’ve also learned that if you don’t have a strategy for making time for those bigger ambitions and your truly lofty goals, they’ll simply never get done. And that means you won’t make the progress that’s really going to move your business forward.
A.increase
B.peak
C.diminish
D.disappear

【答案】 C
62、资料：Seeking to end a stalemate in negotiations over her country’s withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the country’s exit.
A.To demonstrate her resolve to divorce Britain from EU
B.To pave the way for dialogues and negotiations with EU on Brexit
C.To comfort the sentiment of British people
D.To end the division between her cabinet and the Conservative Party

【答案】 B
63、对应付账款进行的分析程序不包括（ ）。
A.计算应付账款对存货的比率、应付账款对流动负债的比率，并与以前期间对比分析， 评价应付账款的整体合理性
B.获取或编制应付账款明细表，复核加计正确，并与报表数、总账数和明细账合计数核对 是否相符
C.分析长期挂账的应付账款，要求被审计单位做出解释，判断被审计单位是否缺乏偿债能力或利用应付账款隐瞒利润
D.利用存货、主营业务收人和主营业务成本的增减变动幅度，判断应付账款增减变动的合理性

【答案】 B
64、票据丧失的补救措施不包括（ ）。
A.停止支付
B.挂失止付
C.公示催告
D.提起诉讼

【答案】 A
65、中央银行提供的基础货币是通过其资产业务流通出去的，下列不属于中央银行提供基础货币途径的是（　　）。
A.对商业银行办理再贴现或发放再贷款，变动对金融机构的债权
B.中央银行收购外汇、黄金，变动储备资产
C.调整存款利率，影响公众存款意愿
D.在公开市场买卖政府债券，变动对政府的债权

【答案】 C
66、我国对存贷款利率的结息规则中规定，城乡居民活期存款的结息日为（）。
A.3月20日
B.6月20日
C.6月30日
D.9月20日

【答案】 C
67、Provision of medical care is classified into primary, secondary, and ______ care categories.
A.third
B.three
C.tertiary
D.the third

【答案】 C
68、We all convinced that the project was（　　）.
A.fertile
B.inevitable
C.inherent
D.feasible

【答案】 D
69、资料：Human resource professionals act as mediators between an organization's management and its workers. This requires wearing many hats It's an HR administrator's job to make sure that employees are working in a safe environment that disputes are settled， and that benefits are understood and administered properly. At the same time， HR is charged with recruiting new employees who will not only fit in personally and professionally but also help the company achieve its business goals. They also represent management when negotiating for benefits with companies administering these benefits and when implementing companywide policies that will ultimately lower costs or boost profits. The needs of HR cover a wide range of tasks and，therefore， require individuals who are good with people in addition to being organized， analytical， business-minded， and heroic multitaskers.
A.To specialize in a specific industry
B.To strengthen the understanding of business strategy and planning
C.To find an internship or an assistant job
D.Both A and B

【答案】 C
70、资料：From: Iris Wu
A.on May 3
B.on May 14
C.on May 15
D.on May 26

【答案】 D
71、在短期内，垄断厂商无法改变固定要素投入量，而是通过在既定的生产规模下通过对产量和价格的调整，来实现（　　）的利润最大化。
A.边际利润等于长期边际成本
B.边际利润等于长期平均成本
C.边际利润等于短期边际成本
D.边际利润等于短期平均成本

【答案】 C
72、What this is telling us is that we need to first establish a middle class that is able to hold the government ________ .
A.account
B.accounted
C.accounting
D.accountable

【答案】 D
73、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.
A.Chinese businessmen look for ways to combine different options
B.Chinese businessmen have stronger sense of national pride
C.Chinese businessmen have their own pace doing business
D.Chinese business treasure close relationship

【答案】 B
74、When we read，we construct a mental _______ of the text in our minds，much as we do when we took at an area of land and create a mental map in our heads.
A.representation
B.imagination
C.interpretation
D.identification

【答案】 A
75、Thank you for your recent order. Although most of your items have ____ shipped, the Full-Spectrum Desk Lamp （model B07） is temporarily out of stock.
A.ever
B.often
C.lastly
D.already

【答案】 D
76、资料：Zhang Qiaoli uses her spare bedroom for st