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

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、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.Customers are more likely to enjoy more innovative services
B.People will no longer go to banks to deposit their money
C.Service providers do not want to partner with banks
D.People will receive more pension

【答案】 A
2、下列选项中，在立卷范围之列的是（　　）。
A.反映本机关工作活动.正在办理中的文件
B.反映本机关工作活动的所有文件
C.反映本机关工作活动的，具有查考利用价值的办毕文件
D.反映其他机关工作活动的办毕文件

【答案】 C
3、During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."
A.pay off all her debts
B.handle her money better
C.find a job in a bank
D.manage the family income

【答案】 B
4、Passage 1
A.pay off all her debts
B.handle her money better
C.find a job in a bank
D.manage the family income

【答案】 B
5、最适于实力不强的小企业采用的目标市场策略是（　　）。
A.选择性市场策略
B.无选择性市场策略
C.集中性市场策略
D.产品开发策略

【答案】 C
6、 会计核算使用的主要计量单位是（　　）。
A.货币计量
B.劳动计量
C.实物计量
D.单一计量

【答案】 A
7、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
8、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 theme that brings together works
B.arrangement focusing on some periods in history
C.different sections
D.famous artists joint together

【答案】 D
9、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
10、The only decent hotel in town had hung out a “Full House” sign, so their only choice （ ） at a small inn.
A.is to put up
B.has been to put up
C.will be put up
D.was to put up

【答案】 D
11、我国横断山脉是具有国际意义生物多样性的关键地区，横亘（ ）。
A.湘、桂、黔
B.川、滇、藏
C.新、青、藏
D.闽、浙、赣

【答案】 B
12、She said she’s gonna____them dead with her best dress and make-up.
A.pat
B.rap
C.knock
D.kill

【答案】 C
13、Nabhi Verma ,who holds degrees in both architecture and engineering, has a range of technical abilities ____ that.
A.too much
B.beyond
C.even more
D.moreover

【答案】 B
14、Don’t bother your father tonight-he’s got a lot（　　）his mind.
A.on
B.to
C.in
D.around

【答案】 A
15、 下列选项中属于完全物权的是（　　）。
A.抵押权
B.质权
C.所有权
D.留置权

【答案】 C
16、资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
A.The project will only improve road in Tajikistan by three miles but it will do great help
B.Local people welcome the projects
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions
D.The project in Bangladesh is also financed with other institutions

【答案】 D
17、标志着我国统一的多民族国家开始形成的是（ ）的建立。
A.汉王朝
B.秦王朝
C.夏王朝
D.唐王朝

【答案】 B
18、2020年4月28日电，中国证监会已经派驻调查组进驻瑞幸咖啡多日，这是《证券法》修改之后证监会首次实施（　　）的案件，意味着我国证券执法进入了新的历史阶段，开启了证券监管新时代。
A.事后监管权
B.境外管理权
C.冻结查封权
D.长臂管辖权

【答案】 D
19、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.deficit
B.surpluses
C.decline
D.recession

【答案】 A
20、船只利用声纳侦测鱼的踪迹，主要是利用声波的（　　）。
A.折射
B.反射
C.辐射
D.共振

【答案】 B
21、（　　）on her past mistakes,Jessie realized that she had trusted wrong people.
A.Reflecting
B.To reflect
C.Being reflected
D.Reflect

【答案】 A
22、资料：Britain is facing a “crisis of fatherlessness” in which almost half of all children born today will not be living with both parents by the time they are 15, the new chief executive of the thinktank founded by Iain Duncan Smith has warned.
A.result in the rapid increase of family breakdown
B.undermine the relationship between father and child
C.affect self-esteem of kids from the poorest family
D.transmit the traditional role of fathers in the family

【答案】 B
23、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.Help solve the workplace disputes for the negative employee
B.Put the negative employee in a suitable working position
C.Have the negative employee’s colleagues to avoid arguments with him/her
D.Support the negative employee to go through challengses outside the office

【答案】 C
24、Over the next few years,some management positions in the company will be（　　）removed.
A.graduation
B.graduate
C.gradually
D.gradual

【答案】 C
25、The Oliveira Dining Guide, an online directory of restaurants, is ____ by cuisine type, price range and location.
A.search
B.searchable
C.searches
D.searcher

【答案】 B
26、通过向投资者发行股份或受益凭证募集资金，再对各类金融产品进行组合投资的金融 机构是（ ）。
A.商业银行
B.投资银行
C.保险公司
D.投资基金

【答案】 D
27、个人计算机内存的大小主要由（ )决定。
A.RAM芯片的容量
B.软盘的容量
C.硬盘的容量
D.CPU的位数

【答案】 A
28、股票指数期货的结算采用（ ）。
A.现金
B.某种股票
C.股价指数
D.一揽子股票

【答案】 A
29、在影响需求价格弹性的因素中，时间因素与商品需求价格弹性大小的关系是（　　）。
A.两者间的关系需要根据具体商品才能判定
B.时间越长，商品需求价格弹性越小
C.时间越短，商品需求价格弹性越小
D.两者间不存在任何关系

【答案】 A
30、Airlines are already increasing their price on the____that fuel prices are going to rise.
A.consumption
B.destruction
C.assumption
D.presumption

【答案】 C
31、“上午忙麦茬，下午摘棉花”是民间描述寒露时节农事活动的谚语。在下列地区中，该谚语描述的农事活动场景最可能出现在（　　）
A.珠江三角洲
B.柴达木盆地
C.藏南谷地
D.渭河平原

【答案】 D
32、 避险过当负刑事责任，但应当（　　）处罚。
A.从轻
B.减轻
C.免除
D.减轻或者免除

【答案】 D
33、美国历史上首位华裔驻华大使是（ ）。
A.赵小兰
B.张之香
C.骆家辉
D.朱棣文

【答案】 C
34、Mobiles are considered cultural tools that are
A.transferring
B.transforming
C.transplanting
D.transmitting

【答案】 D
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：Poor health is not only damaging to employees, it is detrimental to businesses." Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse." says Rubin.
A.Devastating
B.Deleterious
C.Harmful
D.Destructive

【答案】 B
37、商业银行的贷款，按照贷款保全方式可分为（ ）。
A.长期贷款和短期贷款
B.信用贷款和担保贷款
C.企业贷款和个人贷款
D.正常贷款和关注贷款

【答案】 B
38、资料：With 55% of consumers' customer service interactions starting online and 63% of adults using their smartphone several times a month to seek customer service， your mobile customer service tactics are more important than ever.
A.Fast response
B.Readily accessible information
C.Optimized user surface
D.All of these above

【答案】 D
39、Passage 5
A.poor quality rails and unreliable stopping systems
B.lack of financial support for development
C.limited railroad lines
D.lack of a transcontinental railroad

【答案】 A
40、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
41、按照保险对象的不同可将保险分为（　　）。
A.人身保险与财产保险
B.自愿保险与强制保险
C.保险与再保险
D.信用保险与人身保险

【答案】 A
42、During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing（投资）the hypothetical（虚拟的）earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."
A.pay off all her debts
B.handle her money better
C.find a job in a bank
D.manage the family income

【答案】 B
43、 下列属于反映企业财务状况的会计要素是（　　）。
A.收人
B.所有者权益
C.费用
D.利润

【答案】 B
44、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
45、资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
A.CD is a safe instrument
B.Bank of India is safe
C.CD is insured
D.All of the above

【答案】 D
46、唐玄宗在位期间，出现了繁荣景象，这是我国古代史的哪次盛世？（)
A.文景盛世
B.永宣盛世
C.开元盛世
D.康乾盛世

【答案】 C
47、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.Bad loans remain a concern in Italy and across southern Europe
B.Italy will be the largest source of NPLs for the foreseeable future
C.Italy asks the European Central Bank to forgive its debt
D.Investors can trade in NPLs across 11 European countries

【答案】 B
48、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.
A.express clearly the common goal of the team
B.allow the team leader to make final decisions after discussions
C.create a team randomly
D.monitor the progress of the team

【答案】 C
49、With great efforts and friends’ help，Xiao Hua finally found a______job.
A.luxurious
B.luminous
C.luminant
D.lucrative

【答案】 D
50、The more diverse knowledge one understands and actively absorbs, the probability of finding useful and _____discoveries.
A.novel
B.conventional
C.rebellious
D.narrative

【答案】 A
51、 我国刑法对于空间效力的规定，采取的是（　　）。
A.属地原则
B.属人原则
C.保护原则
D.以属地原则为主，兼采属人原则、保护原则和普遍原则

【答案】 D
52、____ analysts’ predictions, McKnight Electronic engineers were able to create a battery capable of lasting twice as long as previous models.
A.Nevertheless
B.Contrary to
C.Except
D.Provided that

【答案】 B
53、Problems ______ if the parents approach to discipline is inconsistent.
A.reach
B.arise
C.anchor
D.seize

【答案】 B
54、 ( )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
55、资料：Some companies are more creative in their use of history than others. HSBC’s History Wall, a striking art installation at the bank’s London headquarters, is made up of 3,743 images drawn from the bank’s archives and arranged in chronological order.
A.The bank has greater power than other banks
B.The bank contributes a lot to the development of London
C.The bank uses its history more creatively
D.The bank has a different business model than other firms

【答案】 C
56、关于维生素，下列说法正确的是（　　）。
A.缺乏维C可致佝偻病
B.维A有助于视力和免疫力
C.维E有助于凝血并强健骨骼
D.维D促进骨骼生长和重构，防止败血病

【答案】 B
57、2020年1月6日，国家主席习近平在人民大会堂同基里巴斯总统马茂会谈后共同见证两国共建“一带一路”谅解备忘录的签署。这标志着中国同所有（　　）个建交太平洋岛国都签署了共建“一带一路”合作文件。
A.5
B.7
C.8
D.10

【答案】 D
58、通货紧缩的成因不包括（ ）。
A.生产能力过剩
B.货币供应量急剧减少
C.政府紧缩财政政策
D.社会总需求的过度增长

【答案】 D
59、 流动资产是指可以在（　　）变现或耗用的资产，包括现金和各种存款、短期投资、应收及预收款项、存货。
A.一年内
B.一年或超过一年的一个营业周期内
C.一个营业周期内
D.一年或超过一年的一个营业周期以上

【答案】 B
60、 ( )不属于反映企业在一定会计期间的经营成果的会计要素。
A.资产
B.收入
C.费用
D.利润

【答案】 A
61、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.Customers are more likely to enjoy more innovative services
B.People will no longer go to banks to deposit their money
C.Service providers do not want to partner with banks
D.People will receive more pension

【答案】 A
62、现实的资本主义市场机制在很多场合不能导致资源的有效配置，这种情况被称为“市场失灵”，以下不属于市场失灵情况的是（ ）。
A.垄断
B.外部影响
C.完全信息
D.公共物品

【答案】 C
63、We also had to collect immense amounts of historical data and ____satellites to monitor the ocean-atmosphere system.
A.make up
B.set up
C.devote to
D.invest in

【答案】 B
64、下列说法不正确的是（ ）。
A.鲁迅是中国现代文学的奠基人
B.郭沫若的《女神》是现代文学史上第一篇白话文
C.田汉是中国现代戏剧的奠基人
D.巴金是现代家族小说的开拓者

【答案】 B
65、Passage 5
A.9 years
B.7 years
C.4 years
D.3 years

【答案】 D
66、资料：2014 has been a landmark year for Alibaba. Just last week, the Chinese e-commerce juggernaut set a world-record selling US$9.3 Billion worth of goods in 24 hours on Singles Day. A few months back, Alibaba claimed the title of the world's biggest IPO, raising US$25 Billion on the NYSE. Things will only get bigger for Alibaba.
A.Alibaba would open chain stores after entering into Australia
B.Alibaba has established cooperation with Australia Post
C.Alibaba’s world-record of selling US$9.3 Billion worth of goods in 24 hours on Singles Day has helped its initial public offering
D.After entering into Australia, Alibaba will try to expand to the U.S

【答案】 B
67、Our price is ______ as compared with that in the international market.
A.reasonable
B.accountable
C.perfect
D.affordable

【答案】 A
68、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.teach people how to have credit accounts
B.suggest ways for people to keep good credit record
C.present a concern about people’s bad credit nowadays
D.explain the differences between no-credit and b