2019-2025年银行招聘之银行招聘综合知识全真模拟考试试卷B卷含答案.docx

2019-2025年银行招聘之银行招聘综合知识全真模拟考试试卷B卷含答案

单选题（共600题）
1、物体的惯性大小取决于（　　）
A.物体的运动速度
B.物体的质量
C.物体的加速度
D.物体受到的合力

【答案】 B
2、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
3、匾额是中国古建筑的重要组成部分，显示建筑物的性质，下列匾额与建筑物对应正确的一组是（　　）。
A.明镜高悬一贡院
B.万世师表一关帝庙
C.还我河山一武侯祠
D.正大光明一乾清官

【答案】 D
4、2018年3月11日，十三届全国人大一次会议表决通过了《中华人民共和国宪法修正案》。关于本次《宪法修正案》下列说法错误的是（　　）
A.我国现行《宪法》是“八二宪法”，目前经历了5次修改
B.社会主义民族关系的表述中增加了“和谐”
C.《宪法修正案》规定监察委员会委员长由全国人大选举产生
D.《宪法修正案》规定县级市有权制定地方性法规

【答案】 D
5、有一笔国债，5年期，溢价20%发行，票面利率10%，单利计息，到期一次还本付清，其到期收益率是（）。
A.4. 69%
B.4.23%
C.5.23%
D.4.57%

【答案】 D
6、资料：“I wouldn’t be here today if not for the generosity of strangers,” said Michael Moritz, while announcing a major donation to Oxford University. A former Time Magazine reporter, Mr. Moritz left journalism to become one of the most successful venture capitalists in Silicon Valley. Through Sequoia Capital, the firm he joined in 1986 and has led for many years, Mr. Moritz was an early investor in Google, Yahoo, PayPal and LinkedIn. His personal fortune is estimated at well over $1 billion. Oxford University announced last Wednesday that he and his wife, the novelist Harriet Heyman, donated ￡75 million, or $115 million, to fund a new scholarship program aimed at providing financial aid to students from low-income backgrounds. Behind the headlines about the size of the gift was a family story of immigration, education and a sense of obligation that transcended generations.
A.showed how scholarship changed his family members’ life
B.gave him the motive to study hard to be successful
C.illustrated that his family emphasized on education very much
D.proved that immigration family can also make great achievements

【答案】 A
7、资本市场的融资期限一般为( )。
A.3个月到半年
B.半年到1年
C.3个月以下
D.1年以上

【答案】 D
8、资料：Many people think of internal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides assurance of the dependability of the accounting data used in making decisions.
A.Financial forecasts
B.According rules
C.Manuals of accounting policies and procedures
D.Organization charts

【答案】 B
9、计算机病毒是指（）。
A.带细菌的磁盘
B.已损坏的磁盘
C.具有破坏性的特制程序
D.被破坏的程序

【答案】 C
10、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为2.5%。
A.分期付息到期还本债券
B.到期一次还本付息债券
C.分期还本到期一次付息债券
D.分期付息债券

【答案】 A
11、Was it in the school reading room（　　）you found the missing book?
A.who
B.that
C.which
D.when

【答案】 B
12、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market. Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.
A.QQ’s strong user base
B.the lack of competitors
C.local market opportunity and innovation
D.all of the above

【答案】 C
13、I think I had at least a billion tests,including（　　）in which they cut out a piece of muscle from my leg and looked at it under a microscope.
A.that
B.the one
C.it
D.one

【答案】 D
14、根据物的分类，下列物与物的关系中属于主物与从物关系的是（　　）。
A.冰箱与雪柜
B.矿泉水与蒸馏水
C.衣柜与门框
D.汽车与备用轮胎

【答案】 D
15、It would be______exploring students' epistemic beliefs regarding course-related information located on the Internet.
A.worthwhile
B.worth
C.while
D.worthy

【答案】 A
16、 Some prizes are awarded to technology that, after later review, just doesn’t seem to ______ well.
A.turn down
B.turn up
C.turn out
D.turn in

【答案】 C
17、最集中最概括地反映社会经济活动总成果的指标是（ ）。
A.经济增长率
B.财政收入总额
C.社会总供给和总需求
D.出口总额

【答案】 C
18、Passage2
A.adjustable
B.comfortable
C.self-evident
D.self-righting

【答案】 D
19、2019年12月31日，A公司涉及的一项未决诉讼预计很可能败诉。若败诉，A公司需承担诉讼费20万元并支付赔款400万元，但基本确定可从保险公司获得补偿80万元。2019年12月31日，A公司因该项目诉讼应确认的预计负债的金额为（　　）万元。
A.320
B.340
C.400
D.420

【答案】 D
20、某医院医生甲为患者乙做手术时将一块纱布遗留在乙腹腔，乙因此所受的损害应有（　　）。
A.医院承担全部赔偿责任
B.甲承担全部赔偿责任
C.医院和甲承担连带赔偿责任
D.甲承担赔偿责任，医院承担补充责任

【答案】 A
21、下列属于货币政策工具的是（　　）。
A.法定存款准备金率
B.再贴现率
C.公开市场业务
D.税收

【答案】 D
22、In Margaret Atwood’s novel, women are______two groups based on whether or not they can give birth to a child.
A.divided into
B.divided off
C.separated into
D.separated from

【答案】 A
23、资料：FOR TWO MARKETING EXECUTIVES
A.table, oven and garment
B.wardrobe, printer and dryer
C.bedside lamp, sofa and closet
D.refrigerator, washing machine and laundry detergent

【答案】 C
24、 下列各项属于长期负债的有（　　）。
A.应收账款
B.应付账款
C.其他应付款
D.应付债券

【答案】 D
25、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
26、Passage 8
A.The loans are expected to help seniors stay in their homes
B.The loans are driving all seniors out of their homes
C.The reverse mortgage only welcomes seniors
D.any seniors can apply for reverse mortgage

【答案】 A
27、In some cases the exchange continued further, a sign of strong____over basic matters.
A.disagreement
B.consistency
C.joke
D.diversion

【答案】 B
28、被称为“古希腊三大悲剧作家”的是埃斯库罗斯、欧里庇得斯和（　　）。
A.亚瑟克勒斯
B.索福克勒斯
C.汤姆克勒斯
D.斯托克勒斯

【答案】 B
29、 我国《刑法》对完全刑事责任年龄的规定是（　　）。
A.14周岁
B.16周岁
C.18周岁
D.20周岁

【答案】 B
30、资料：Italy's next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）
A.The increasing use of out-of-court settlement for collateral across the EU
B.The GACS which may not be renewed after September
C.The new trading platform for trading NPLs
D.The laws that guarantee cross-border operations

【答案】 B
31、 下列选项中，不属于阶级社会中关于法律与道德的共同点的是（　　）。
A.都是社会规范
B.都具有阶级性
C.约束范围都相同
D.都是治国途径

【答案】 C
32、资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
A.warn our descendants about the extinction of species
B.Call for effective measures to ensure sea turtles’ survival
C.Persuade human beings to show more affection or turtles
D.Stress that even the most ugly species should be protected

【答案】 B
33、Passage 2
A.Global temperatures affect the rate of economic development
B.Rates of death from illnesses have risen due to global warming
C.Malnutrition has caused serious health problems in poor countries
D.onomic trends have to do with population and natural disasters

【答案】 B
34、 ( )要求企业应当按照交易或者事项的经济实质进行会计确认、计量和报告，不仅仅以交易或者事项的法律形式为依据。
A.实质重于形式
B.可理解性
C.重要性
D.及时性

【答案】 A
35、资料：It's almost considered sacrilegious today to leave work at the end of your workday or（for shamel）on a Friday and simply not check your email until you return the office during normal working hours.
A.Bosses push employees to work by sending emails anytime
B.Employees are exhausted by the constant need to check emails
C.Companies mean to stress the workers out by sending emails
D.None of above

【答案】 B
36、 下列有关会计的表述中，不正确的一项是（　　）。
A.在会计核算中，允许一些企业使用外币作为记账本位币
B.会计主体需具有法人资格
C.只有以货币表现的经济活动才是会计对象
D.会计监督是会计的基本职能之一

【答案】 B
37、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.Strengthen your cognitive skills
B.Improve your basic conversations
C.Begin to learn a foreign language
D.Talk with others as often as possible

【答案】 C
38、首次成功克隆哺乳动物(多利)的国家是（　　）。
A.英国
B.美国
C.法国
D.德国

【答案】 A
39、通常情况下，一国的利率水平提高，会导致（ ）。
A.本币汇率上升，外币汇率上升
B.本币汇率上升，外币汇率下降
C.本币汇率下降，外币汇率上升
D.本币汇率下降，外币汇率下降

【答案】 B
40、关于共同犯罪，下列表述最为准确的是（ ）。
A.共同犯罪是指两人以上共同参加的犯罪
B.三人以上为共同实施犯罪而组织在一起的，是犯罪集团
C.犯罪集团是共同犯-的特殊形式
D.刑法理论上，对共同犯罪成员的分类一般是主犯、从犯、教唆犯、胁从犯

【答案】 C
41、It is difficult to know why a work of art produces some emotions，but it has been known for a very long time that paintings，music and poetry have the power to touch us，to repel us and to______intense pleasure or displeasure.
A.rise
B.arise
C.raise
D.arouse

【答案】 D
42、下列期货产品中，不属于金融期货的是（　　）。
A.货币期货
B.股指期货
C.利率期货
D.黄金期货

【答案】 D
43、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.
A.Modify its business strategy
B.Launch more marketing campaigns
C.Expand its business to other areas
D.Continue developing its mobile business

【答案】 D
44、资料：To manage teams organization require effective managers.Highly skilled and trained managers can make more informed decisions. The use of beat practice models enables managers to ensure their teams operate efficiently.This will improve quality for customers as staff will be better trained to deal with customers' needs.It will also improve team effectiveness and help organizations to perform better.
A.s/he loves people to discuss problems
B.s/he is likely to delay the decisions
C.s/he seldom consults others
D.s/he needs to make quick response

【答案】 A
45、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.thanks to
B.as
C.according to
D.due to

【答案】 D
46、The orphanage is just one of her（　　）causes.
A.phonetic
B.philanthropic
C.prevalent
D.lunatic

【答案】 B
47、 ( )是指企业在一定会计期间的经营成果。
A.负债
B.费用
C.收入
D.利润

【答案】 D
48、IBM公司制造的“深蓝”计算机战胜了世界顶级国际象棋大师卡斯帕罗夫，这一事实表明（　　）。
A.电脑具有比人脑更高级的运动形式
B.电脑是物化了的人的意识，电脑战胜人脑，实质上是人类自己战胜自己
C.人脑的运动与电脑一样，归根到底是电子等物质粒子的运动
D.电脑和机器人也能进行某些实践活动

【答案】 B
49、中国证监会根据国务院的授权,依法对（ ）实施监督管理。
A.证券业
B.信托业
C.基金业
D.租赁业

【答案】 A
50、汉代人关于《离骚》篇名的解释有（ ）。
A.离别的牢骚，离开忧愁
B.离别的忧愁，遭遇忧愁
C.离别的牢骚，遭遇忧愁
D.离别的忧愁，离开忧愁

【答案】 B
51、属于典型的负外部性例子的是（ ）。
A.汽车尾气
B.海上灯塔
C.企业对资源的配置
D.义务教育

【答案】 A
52、下列关于我国地理常识的说法，正确的是（　　）
A.以北京、天津、唐山为中心的京津唐地区是我国最大的综合性工业基地
B.中国稀土的储量和产量均居世界首位
C.准噶尔盆地位于新疆境内，在天山以北，是我国最大的盆地
D.海南省有“东方夏威夷”的美称，简称“琼”，省会是三亚

【答案】 B
53、Chemistry is ______ as a science for it provides the ability to understand living systems at the molecular level.
A.deniable
B.reliable
C.indispensable
D.dependent

【答案】 C
54、资料：This exhibition brings together outstanding works from the earliest times to the present in a thematic arrangement that is fresh and unique.
A.the processes of making bronze
B.the best works of bronze
C.the properties and qualities of bronze
D.some new media art

【答案】 D
55、在货币资金借贷中，还款违约属于金融风险中的（　　）。
A.流动性风险
B.市场风险
C.操作风险
D.信用风险

【答案】 D
56、The government has to try every means to______the rate of inflation.
A.bring back
B.bring down
C.bring forth
D.bring about

【答案】 B
57、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.Most investors log into their trading accounts every day
B.The investors who seldom check daily changes may get more returns
C.The potential gain and loss of assets can be predicted
D.The potential growth rate of the portfolio is likely to be fixed

【答案】 B
58、根据《民法典》规定，甲与乙对丙企业的债务同时提供保证担保，没有约定担保方式和担保份额的，丙的债权人丁可以要求甲、乙以怎样的方式承担担保责任？（　　）
A.可以要求甲或乙独立承担全部债务，担保方式为一般担保
B.可以要求甲或乙独立承担全部债务，担保方式为连带担保
C.只能要求甲、乙分别承担一半债务，担保方式为一般担保
D.只能要求甲、乙分别承担一半债务，担保方式为连带担保

【答案】 A
59、久期分析也称为持续期分析或期限弹性分析，是衡量利率变动对银行（　　）影响的一种方法。
A.当期收益
B.风险水平
C.资本充足率
D.整体经济价值

【答案】 D
60、Passage 3
A.They have to cancel their vacations in New England
B.They find it unaffordable to dine in mom-and-pop restaurants
C.They have to spend more money when buying imported goods
D.They might lose their jobs due to potential economic problems

【答案】 C
61、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.What’s in the image?
B.What attracts customers?
C.What’s in a logo?
D.None of above

【答案】 B
62、-Must I wait till you come back
A.mustn't
B.needn't
C.can't
D.won't

【答案】 B
63、计算机中数据的表示形式是（　　）。
A.八进制
B.十进制
C.二进制
D.十六进制

【答案】 C
64、下列选项中2008年1月1日起实施的《全国年节及纪念日放假办法》新增加的国家法定节日不包括（ ）。
A.重阳节
B.清明节
C.中秋节
D.端午节

【答案】 A
65、资料：Singapore Airlines plans to introduce inflight mobile phone and internet access in May this year,beginning with its flagship Airbus A380 fleet.
A.Singapore Airlines' online survey is to be carried out among its registered members
B.Airbus A380 will be the first aircraft to be equipped with inflight internet and mobile service
C.Singapore Airlines' inflight internet access will be limited to some specific devices
D.Singapore Airlines' will be the first to introduce inflight mobile phone and internet access

【答案】 B
66、有关再贴现率的表述错误的是（　　）。
A.该利率的提高会减少商业银行资金成本，增加盈利
B.包括贴现率和中央银行对商业银行贷款的利率
C.不同于随供求变化而变化的市场利率
D.该利率的提高会减少商业银行贴现和贷款的要求，从而减少流通中的货币

【答案】 A
67、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 business philosophy
B.China's business culture
C.Doing business in China
D.Guanxi in China

【答案】 B
68、营业利润不包括以下哪项内容？（　　）
A.营业外收入
B.营业收入
C.投资收益
D.其他业务收入

【答案】 A
69、The words used by the speaker may stir up unfavorable reactions in the listener ______ interfere with his comprehension.
A.who
B.as
C.which
D.what

【答案】 C
70、减少所得税的财政政策，对利率的影响（　　），对消费的影响（　　）对投资的影响（　　），对GDP的影响（　　）。
A.上升，增加，减少，增加
B.上升，减少，减少，增加
C.下降，增加，减少，增加
D.上升，增加，减少，减少

【答案】 A
71、资料：THOMAS WILSON
A.business data processing
B.software applica