2025年银行招聘之银行招聘综合知识高分通关题库A4可打印版.docx

2025年银行招聘之银行招聘综合知识高分通关题库A4可打印版

单选题（共600题）
1、与零售业相比较，批发业具有自身的特点，以下表述不正确的是（　　）。
A.批发业基本属于资本密集型行业
B.服务项目相对较少
C.平均每笔交易量少，交易次数频繁
D.批发业的商圈比较大

【答案】 C
2、Passage 6
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
3、假设某银行体系：（1)原始存款总额为100万元；（2)法定准备金额为8%;(3)现金漏损率为10%;(4)超额准备金率为2%; (5)定期存款准备金率为4%;(6)定期存款总额为20万元。 根据上述材料，回答下列问题：
A.K=1/(r+h)
B.K = 1/(r+h+e)
C.K=1/(r+ h + e+t×S)
D.K= 1/(r+h+e×t+s)

【答案】 C
4、生产成本上升会使得商品供给量（ ）。
A.下降
B.上升
C.不变
D.均有可能

【答案】 A
5、Passage 3
A.Unpackaged products are of bad quality
B.Supermarkets care more about packaging
C.Other products are better packaged than food
D.It is improper to judge quality by packaging

【答案】 D
6、（ ）会增加失业。
A.退休工人的数量增加
B.退休劳动力队伍的人数增加
C.离开学校找工作的人数增加
D.离开工作上学的人数增加

【答案】 C
7、假设某公司的权益乘数为2.02，其总资产报酬率为7.39%，销售净利率为4.53%，则其所有者权益报酬率应为（　　）。
A.14.93%
B.9.15%
C.15.25%
D.10.34%

【答案】 A
8、The teaching building was named______the person who donated money for it.
A.with
B.after
C.by
D.from

【答案】 B
9、对于高层管理者来说，掌握良好的（　　）是最为重要的。
A.人际技能
B.语言技能
C.概念技能
D.技术技能

【答案】 C
10、每个组织都需要注意本组织优良文化的积累，把组织精神灌输到一代又一代，这体现了组织文化的哪个特征？（　　）
A.实践性
B.可塑性
C.传承性
D.独特性

【答案】 C
11、下列关于外汇说法中不正确的是（　　）。
A.外汇是以外国货币表示的，必须具有充分的可兑换性，能够自由地兑换成其他国家的货币或者其他信用工具进行多边支付
B.外汇是非主权货币，通常各国政府允许外国货币作为本国市场的计价和结算货币，但不允许外国货币在本国境内流通和使用
C.外汇必须是在国外能得到补偿的债权，具有可靠的物质偿付保证
D.外汇必须是各国普遍接受的支付手段和可用作对外支付的金融资产

【答案】 C
12、Your selection will arrive in seven to ten days and will be followed by（　　）deliveries every six weeks.
A.additional
B.momentary
C.mutual
D.thorough

【答案】 A
13、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
14、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
15、On an annual （ ）, house prices in Scotland are now only 1% lower than they were a year ago, but they are 8% down in Northern Ireland.
A.plan
B.object
C.found
D.basis

【答案】 D
16、资料：October 20,2013
A.He was impressed with its menu
B.The hotel is located close to the company
C.He has special ties with the hotel staff
D.It has become a tradition of the company

【答案】 A
17、资料：Procrastination comes in many disguises. We might resolve to tackle a task, but find endless reasons to defer it. We might prioritize things we can readily tick off our to-do list- answering emails, say- while leaving the big, complex stuff untouched for another day. We can look and feel busy. while artfully avoiding the tanks that really matter. And when we look at those rolling, long untouched items at the bottom of our to-do list, we can't help but feel a little disappointed in ourselves.
A.The natural function of our brain
B.The other ways to make the benefits of action feel bigger and real
C.The other ways to make the benefits of action feel smaller and unreal
D.The perils of procrastination

【答案】 B
18、在Word中，使用（　　）菜单中的相应命令，可以方便地输入特殊符号、当前日期时间等内容。
A.“文件”
B.“工具”
C.“格式”
D.“插入”

【答案】 D
19、Passage 8
A.the widows were pressured to lose their own names
B.the widows may be forced to leave their homes
C.the widows have misunderstood the reverse mortgage
D.the widows do not know what their long-desired things are

【答案】 B
20、You may also consider options that match your unique______.
A.elements
B.developments
C.requirements
D.comments

【答案】 C
21、某珠宝店被盗贼窃走价值l0000美元的钻石，经调查，作案者肯定是甲、乙、丙、丁四个中的一个，于是，让这四人作为重大嫌疑对象接受审讯，这四个人的供词分别为：
A.甲
B.乙
C.丙
D.丁

【答案】 A
22、We’ve spent so much on advertisements, but the results are not____.
A.satisfied
B.satisfying
C.satisfy
D.satisfactorily

【答案】 B
23、某融资公司以经营不善为由拖欠张某的工资长达半年，根据《商业银行法》规定，若张某要求该公司的开户银行对该公司的存款进行（　　）的操作时，开户银行有权拒绝张某。
A.查询
B.冻结
C.他选项全部
D.扣划

【答案】 C
24、银行存款余额调节表中调节后余额不相等，说明企业或银行账面记录（ ）。
A.肯定有错误
B.肯定没有错误
C.一般有错误
D.—般没有错误

【答案】 C
25、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.(出售价格一购买价格)/市场价格
D.(出售价格一购买价格)/债券面值

【答案】 A
26、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
27、It was about 100 years ago____this beautiful clock was made
A.Neither
B.since
C.then
D.when

【答案】 A
28、 账簿按用途不同可分为三大类，下列分类正确的是（　　）。
A.两栏式账簿、三栏式账簿、多栏式账簿
B.日记账簿、分类账簿、备查账簿
C.订本式账簿、活页式账簿、卡片式账簿
D.日记账簿、分类账簿、数量金额式账簿

【答案】 B
29、对特定地区的经济发展进行倾向性经营的银行是（ ）。
A.国家开发银行
B.中国人民银行
C.城市商业银行
D.中国农业银行

【答案】 A
30、2013年9月7日，（ ）击败西班牙马德里和土耳其伊斯坦布尔，最终成为2020年夏 季奥林匹克运动会的举办城市。
A.巴西里约热内卢
B.美届芝加哥
C.日本东京
D.阿根廷布宜诺斯艾利斯

【答案】 C
31、No student（　　）go out of school for snacks during the break without the teacher’s permission.
A.will
B.must
C.shall
D.may

【答案】 C
32、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.E-government is on the increase and well funded
B.The investment on e-government is adequate
C.Government officials’ interest in e-government is declining
D.E-government is convenient and flexible

【答案】 D
33、以下关于货币政策中介目标的叙述错误的是（　　）。
A.货币政策的中介目标又称为中间指标、中间变量
B.中介目标是介于货币政策工具变量与货币政策目标变量之间的变量指标
C.中央银行根据相关性、可控性、可测性、抗干扰性四大原则来选择相应的中介目标
D.中介目标是指中央银行操作目标方面的变量指标

【答案】 D
34、英国的大炮轰开了中国闭关自守的大门．使一些爱国知识分子从“天朝大国”的梦幻中惊醒，一股新思潮萌发了。这一新思潮的核心是（　　）。
A.向西方寻求强国御侮之道
B.同西方展开“商战”保护本国权益
C.与时俱进西方技术兴办近代工业
D.效法西方的君主立宪政治

【答案】 A
35、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四大国有商业银行全部实现上市，中国金融改革开始新的一页。
A.股票
B.证券
C.债券
D.投资基金

【答案】 A
36、投资银行的最核心业务之一是（ ）。
A.证券经济与交易业务
B.收购兼并业务
C.风险投资业务
D.证券发行与承销业务

【答案】 D
37、马克思主义政治经济学研究的出发点是（　　）。
A.生产力
B.生产关系
C.物质资料生产活动
D.经济规律

【答案】 C
38、资料：Talk about Christmas in July. Carrie Rocha has already started her holiday shopping. “A few weeks back I picked up a $60 toy for $4, and, truth be told, I picked up a whole lot more than that,” she wrote in an email. “I spent about $80 total and got $350+ in toys.”
A.Buy as many cheap items as possible
B.Get loans from different banks
C.Publish her own books to pay off the debt
D.Get prepared for holidays as early as possible

【答案】 D
39、甲出资100万、乙出资200万、丙出资400万作为股东，共同成立了丁有限责任公司。下列说法中正确的是（　　）。
A.甲以600万出资额为限对丁公司承担责任
B.乙以500万出资额为限对丁公司承担责任
C.丙以300万出资额为限对丁公司承担责任
D.丁以700万全部财产对公司债务承担责任

【答案】 D
40、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.He had to prepare for his exam
B.The dresses he bought weren’t of high quality
C.Customers didn’t accept his taste in fashion
D.He didn’t have enough money to buy beautiful dresses

【答案】 C
41、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.Sushi restaurants verified by Oceana provide no fake fish
B.it would be better not to eat sushi in America
C.the new technology can help deal with the fake sushi to some extent
D.fake or mislabeled fish will no longer exist in the sushi market

【答案】 C
42、The computer’s mouse permit the computer operator______the cursor on the video display.
A.move
B.moving
C.to move
D.is moving

【答案】 C
43、下列关于风险分类的说法，不正确的是（　　）。
A.按风险发生的范围可以将风险划分为可量化风险和不可量化风险
B.按风险事故可以将风险划分为经济风险、政治风险、社会风险、自然风险和技术风险
C.按损失结果可以将风险划分为纯粹风险和投机风险
D.按诱发风险的原因，巴塞尔委员会将商业银行面临的风险划分为信用风险、市场风险、操作风险、流动性风险、国家风险、声誉风险、法律风险以及战略风险八大类

【答案】 A
44、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.They compete with each other in a smooth way
B.They form partnership with each other
C.They have a superior-subordinate relationship
D.They are opponents and fight against each other

【答案】 B
45、Last month, the unemployment rate increased by ________ of a percent to nine point seven percent.
A.twos-tenths
B.two-ten
C.two-tenths
D.one-tenths

【答案】 C
46、The chairman of the board（　　）on me the unpleasant job of dismissing good workers the firm can no longer afford to employ.
A.compelled
B.posed
C.pressed
D.tempted

【答案】 C
47、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.再贷款
B.再贴现
C.消费者信用控制
D.道义劝告

【答案】 B
48、We have launched a campaign called Together Science Can，which brings together people from absolutely around the world to______for those things that we care about。
A.stand by
B.stand up
C.stand on
D.stand against

【答案】 B
49、资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
A.After summer vocation kids will lose one to three months worth of learning
B.After summer vocation kids will lose learning capability in reading
C.Summer vocation makes kids lose learning skills in math
D.Summer vocation brings kids psychological problems

【答案】 A
50、______about the potential of a market downturn over his trade policies，the president said：“If it does，it does. Look，I’m not doing this for politics。”
A.Asked
B.Asking
C.To ask
D.To be asked

【答案】 A
51、Facing the board of directors,he didn’t deny（　　）breaking the agreement.
A.him
B.its
C.his
D.It

【答案】 C
52、商业银行等金融机构之间的债权债务须通过其在中央银行的存款账户进行清算，其账 户是（ ）。
A.临时存款账户
B.存款準备金账户
C.专用存款账户
D.特殊存款账户

【答案】 B
53、在中央银行资产负债表中，属于负债项目的是（　　）。
A.财政部门的借款
B.中央银行发行债券
C.外汇储备
D.待收款项和固定资产

【答案】 B
54、下面没有语病的句子是（　　）。
A.路是人走出来的，但是走过的地方都不一定成为了路
B.一条小船很难度众生，必须是众人建造的大船才能同舟共济
C.相信科学的人们决不会让封建迷信影响他的思想
D.大路的向天边延伸很远很远直到遥远的看不到天际

【答案】 D
55、马柯维茨的现代投资组合理论认为，只要两种资产收益率的相关系数不为（　　），分散投资于两种资产就具有降低风险的作用。
A.0
B.-1
C.1
D.2

【答案】 C
56、资料：It’s easy to trace the evolution of the automobile.At most，we’re only talking about a few centuries of technological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.
A.Hominid and panin were humans ancestors 5.4 million years ago
B.Chimpanzees existed at a branch of phylogenetic tree are called “hominid”
C.Humans on phylogenetic tree analysis are supposed to be called “panin.”
D.Scientists think humans and Chimpanzees converged from a common ancestor，based on phylogenetic tree analysis

【答案】 D
57、资料：Job Description
A.balance between work and entertainment
B.desire to contribute to development
C.knowledgeable of co-branded sponsored entertainment
D.passionate for the A+E brands

【答案】 A
58、已知工作表中C3单元格与D4单元格的值均为0，C4单元格中为公式“=C3=D4”，则C4单元格显示的内容为（　　）。
A.C3=D4
B.TRUE
C.#N／A
D.0

【答案】 B
59、根据我国劳动合同法的规定，下列各项中不属于劳动合同必备条款的是（　　）。
A.劳动合同的期限
B.工作内容和工作地点
C.社会保险
D.违约金

【答案】 D
60、资料：Are walkers smarter than drivers?
A.Urbanization
B.Young people
C.Both
D.Unknown

【答案】 C
61、资料：THOMAS WILSON
A.screening calls
B.managing calendars
C.photocopying documents
D.organizing offices for efficiency

【答案】 C
62、中国是世界上（ ）的国家。
A.森林资源最丰富
B.植物种类最多
C.微生物种类最多
D.动物种类最多

【答案】 D
63、以下哪一组织形式不属于国际经济一体化组织？（ ）
A.自由贸易区
B.关税同盟
C.共同市场
D.北约

【答案】 D
64、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
65、亚当*斯密的公平理论中公平比较对象不包括（ )
A.自我——内部
B.自我——外部
C.别人——内部
D.内部——外部

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

【答案】 C
67、就业是最大的民生，保市场主体也是为稳就业保民生。各地加大稳岗扩岗激励力度，企业和员工共同克服困难。多渠道做好重点群体就业工作，支持大众创业万众创新带动就业。新增市场主体恢复快速增长，创造了大量就业岗位。2020年全年城镇新增就业1186万人，年末全国城镇调查失业率降到52％。生活必需品保供稳价，居民消费价格上涨25％。线上办公、网络购物、无接触配送等广泛开展。大幅度扩大失业保险保障范围。对因疫情遇困群众及时给予救助，新纳入低保、特困供养近600万人，实施临时救助超过800万人次。
A.中国人民银行；可上浮
B.中国人民银行；不上浮
C.教育部；可上浮
D.教育部；不上浮

【答案】 B
68、资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
A.National Banks in the USA refers to “State Banks”
B.The group banking system usually exists in the states where branch banking is prohibited
C.Stateside branching implies that bank branches are allowed to operate anywhere within the state
D.Limited branching allows bank to operate branches within geographic territories authorized by the state law

【答案】 A
69、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
70、3+14+35+146+555+854+965+986+997=（　　）。
A.3555
B.5000
C.4000
D.4555

【答案】 D
71、在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融 工具销售给投资者的金融机构属于（ ）。
A.直接金融机构
B.金融服务机构
C.创造货币机构
D.间接金融机构

【答案】 A
72、 He appreciated ______ the chance to deliver his thesis in the annual symposium on Comparative Literature.
A.to have been given
B.to have given
C.having given
D.having been given

【答案】 D
73、下列关于我国“四大名窟”的说法，错误的是（　　）
A.四大名窟都是以中国佛教文化为特色的
B.四大名窟都位于我国南北分界线以北
C.四大名窟均始建于魏晋南北时期
D.四大名窟分布于我国四个不同省份

【答案】 D
74、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.0
B.1
C.2
D.3

【答案】 C
75、2020年3月24日外交部发言人耿爽表示，近日中国驻英国、法国、意大利、沙特等国的使馆向中国留学生发放了装有防疫物品和防疫指南的（　　）指导他们科学防疫，帮助他们加强防护，传递来自党和政府的关心和问候