2019-2025年银行招聘之银行招聘综合知识通关提分题库及完整答案.docx

2019-2025年银行招聘之银行招聘综合知识通关提分题库及完整答案

单选题（共600题）
1、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.Alexa is named after an ancient hero in Egypt
B.Alexa is installed in libraries
C.Alexa can provide all the necessary information about history
D.Alexa can provide more data to marketers than a cookie

【答案】 D
2、中国古代哲学家荀子说：“心不在焉，则A黑在前而目不见，雷鼓在侧而耳不闻。”这句话表明人的意识具有（　　）。
A.客观性
B.能动性
C.对象性
D.任意性

【答案】 A
3、三篮桃子共重90斤，如果从第一篮中取出13斤放入第二篮，从第二篮中取出8斤放入第三篮，从第三篮中取出2斤放入第一篮，这时三篮桃子的重量相等，原来第二篮中有桃子（　　）斤。
A.21
B.23
C.25
D.27

【答案】 C
4、This ticket（　　）you to a free meal.
A.grants
B.entitles
C.credits
D.permits

【答案】 B
5、如果一个公司经营状况严重恶化，要谨慎采用哪种用组织变革方式？（　　）
A.改良式
B.渐进式
C.计划式
D.爆破式

【答案】 D
6、资料：Zhang Qiaoli uses her spare bedroom for storing her stock of ladies’ fashion-wear and photo shoots. She is one of more than five million small online stores operating across China, some from small apartments or even college dormitories. She buys dresses and accessories wholesale; at prices under $5, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.
A.Slightly critical
B.Unbiased
C.Paradoxical
D.Fully supportive

【答案】 D
7、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.Consumer and investor still hold confidence in the US economy
B.There is little scope for provoking the economy
C.US is predicted to be recovering very slowly
D.The US recovery would give the rest of the world a more promising future

【答案】 A
8、资料：Job Description
A.Wait for a better chance
B.Make a job-hopping
C.Become a producer
D.Work harder and be more focused

【答案】 C
9、我国对不正当竞争行为进行监督检査的主管部门是（ ）。
A.国内贸易部
B.技术监督局
C.工商行政管理局
D.物价局

【答案】 C
10、 下列关于刑法的主刑和附加刑说法错误的一项是（　　）。
A.附加刑是补充主刑的刑罚方式，不能独立适用
B.犯罪时不满l8周岁的，不能适用死刑
C.被判处拘役的犯罪分子在执行期间参加劳动的，可以酌量发给报酬
D.附加刑适用剥夺政治权利，它是作为一种比较严厉的刑罚方式适用于重罪犯

【答案】 A
11、远期汇率的期限一般为（ ）个月。
A.1～6
B.3～9
C.6～9
D.6～12

【答案】 A
12、 通过（　）逐笔核对，核实入账的支票是否与事实相符，特别应注意账号是否相符。
A.银行对账单
B.支票存根与对账单
C.日记账
D.银行余额调节表

【答案】 B
13、世界第一台电子计算机诞生于（　　）年。
A.1945年
B.1946年
C.1947年
D.1948年

【答案】 B
14、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
15、 ( )是指企业在日常活动中形成的、会导致所有者权益增加的、与所有者投入资本无关的经济利益的总流入。
A.资产
B.收入
C.费用
D.利润

【答案】 B
16、—Why are you standing there,Maggie?
A.be hind
B.in front of
C.be side
D.next to

【答案】 B
17、资料：Our goal with the new MacBook was to do the impossible: engineer a full-size experience into the lightest and most compact Mac notebook ever. That meant reimagining every element to make it not only lighter and thinner but also better. The result is more than just a new notebook. It’s the future of the notebook. And now, with sixth-generation Intel processors, improved graphics performance, faster flash storage, and up to 10 hours of battery life. MacBook is even more capable.
A.MacBook sells very well
B.The design of MacBook lacks details
C.It is very hard to create such a product as the new MacBook
D.The design of MacBook is classic

【答案】 C
18、中国人民银行发布的2019年第三季度中国货币政策执行报告称，当前，中国仍实施常态货币政策。央行通过创新和完善宏观调控，运用多种货币政策工具，保持流动性合理充裕；加大货币政策逆周期调节力度，通过改善货币政策传导机制，落实金融对实体经济的支持。
A.票据贴现市场
B.国库券市场
C.长期借贷市场
D.可转让大额存单市场

【答案】 C
19、Passage 4
A.only a small proportion of the insured suffer loss
B.everyone at some time suffers loss
C.nearly everyone suffers loss
D.only insured people suffer loss

【答案】 A
20、 某企业生产一种产品，2009年3月1 日期初在产品成本为7万元：3月份发生如下费用：生产领用材料12万元，生产工人工资4万元，制造费用2万元，管理费用3万元，广告费用1．6万元；月末在产品成本为6万元。该企业3月份完工产品的生产成本为（　　）万元。
A.16.6
B.18
C.19
D.23.6

【答案】 C
21、魅力型领导者的特征不包括（　　）。
A.自信并且信任员工
B.有理想化的愿景
C.承诺为努力提供奖励
D.对下属有高度的期望

【答案】 C
22、资料：From:prorno@
A.He has shopped at Fruittisom’ s online store
B.He has been charged incorrectly for an order
C.He has worked for Fruittisom
D.He has reported a late delivery

【答案】 D
23、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 either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them.
A.working in a bank
B.printing a book
C.attending a night school
D.growing beans for sale

【答案】 C
24、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？
A.作者认为移动设备对青少年的影响与以往的新技术相同
B.智能手机等移动设备目前还没有“引发灾难”
C.作者认为家长对移动技术的担心是没有必要的
D.作者认为新技术后果的评估和它的问世之间存在时间上的滞后

【答案】 A
25、We shouldn’t ignore the importance of ______ our hobbies or getting involved in arts and crafts activities.
A.amplifying
B.enhancing
C.fostering
D.magnifying

【答案】 C
26、影响汇率变动的长期原因不包括（ ）。
A.—国的国际收支状况
B.经济发展状况
C.通货膨胀差异
D.利率差异

【答案】 D
27、2008年全球金融危机爆发以来，世界主要国家央行开始采取特殊货币政策，美国在利率水平已经接近纪录最低时，推出了一系列非常规货币政策，包括为了支持银行贷款的长期流动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取了非常规货币政策。IMF于2013年5月16日发布了《非常规货币政策：最近经验与前景》报告，报告称发达国家的非常规货币政策在很大程度上帮助实现了该国政策目标，诸如持续两年左右的购买国债计划帮助美国和英国的GDP增速提升了约2个百分点，然而，发达国家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新兴市场的汇率过度升值和波动。
A.物价稳定
B.国际收支逆差
C.充分就业
D.经济增长

【答案】 B
28、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.The quality of writings is of primary importance
B.mmon humanity is central to news reporting
C.Moral awareness matters in editing a newspaper
D.Journalists need stricter industrial regulations

【答案】 C
29、假定当前汇率1美元兑换人民币6元，1欧元兑换人民币8元，那么1欧元兑换美元的汇率是（　　）。
A.1.33
B.0.75
C.1.16
D.1.13

【答案】 A
30、 某企业实收资本1 000万元，资本公积500万元，未分配利润150万元。盈余公积400万元，则留存收益为（　　）万元。
A.550
B.1 500
C.650
D.900

【答案】 A
31、以下不是网络操作系统的是（ ）。
A.UNIX
B.Linux
C.Windows 2000
D.DOS

【答案】 D
32、2020年3月30日，联合国发表新闻公报，宣布（　　）将为联合国成立75周年活动提供视烦会议及数字通信工具。
A.阿里巴巴
B.华为公司
C.百度公司
D.腾讯公司

【答案】 D
33、He has made many studies on youth unemployment and education and the neglect of______marginalized.
A.a
B.this
C.the
D.that

【答案】 C
34、下列产品中，能够计入当年GDP的是（　　）。
A.中央政府对地方政府的转移支付
B.某人花100万美元在美国买的一栋新房
C.企业从国外购买的一台服务器
D.某企业当年生产没有卖掉的20万元产品

【答案】 D
35、资料：The increasing amount of personal information that can be collected by computer programs that track how people use Facebook has been revealed by an extensive academic study.
A.the results of a study
B.information from the Facebook
C.the number of Facebook users
D.personality types and emotional stability

【答案】 A
36、资料：Changing careers is becoming more popular. Not just because there are more career options available, but also out of necessity. As new industries arise, others die. It's up to you to figure out if your career is still going to be around in the next 5-10 years. Some studies say we could have as many as nine careers in our professional lifetime. Which begs the question: do you know what it takes to successfully change career lanes repeatedly?
A.You need to have more conversations and connections within your new career path
B.You need to build a marketing campaign for your business-of-one
C.You need to give the logic and passion behind your career change
D.You need to make sure everyone knows about it

【答案】 D
37、邓小平提出的“三个有利于”标准具有内在的联系性，其中最基本的是（）。
A.提高人民的生活水平
B.发展生产力
C.巩固社会主义制度
D.增强社会主义国家的综合国力

【答案】 B
38、对于价值较低或极易损坏的低值易耗品，应采用( ）进行摊销。
A.使用次数摊销法
B.分次摊销法
C.一次转销法
D.计划成本法

【答案】 C
39、资料：The hop flower has been used in beer-making at least since the eighth century. Traditionally it was a preservative, but it also imparts flavor. To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs say rivals that of wine grapes. Starting in the nineteen-seventies, small brewers on the West Coast began dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.People were obsessed with imported products
B.The Dollar depreciated against Euro
C.The small brewers and megabrewers used the same type of hop flower
D.Brewers Association was founded

【答案】 A
40、For decades，farmers and environmentalists in California have been entangled in a______over laws that limit the amount of water diverted from rivers and streams for irrigation。
A.dispute
B.register
C.conflict
D.negotiation

【答案】 A
41、信用卡透支利率是日利率的（　　）。
A.万分之一
B.万分之三
C.万分之五
D.万分之十八

【答案】 C
42、Children enter school at the age of six,___?
A.do the children
B.don't they
C.don't the children
D.aren't they

【答案】 B
43、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
44、刘强是某大型商场的总经理，近日通过调查发现：商场基层员工近期工作效率下滑、缺勤率上升、工作积极性下降，基层员工与客户的不和谐事件也呈上升趋势。员工普遍反映：工作枯燥乏味，没有挑战性与职业生涯规划，无法有效施展自己的才能；沟通机会少，没有有效的沟通平台；大龄未婚员工人数日渐上升，员工的这些情况反映出在高层次需要没有得到满足时，对低层次的需要就会显得更加渴望，这符合（　　）的观点。
A.奥尔德佛（ERG）理论
B.赫茨伯格双因素理论
C.马斯洛需求层次理论
D.麦克里兰三重需求理论

【答案】 A
45、我国的灿烂优秀文化中，有不少言简意赅的成语寓于哲理，尤其是具有批判意义的词语很耐人寻味。下列成语中否认了联系具有客观性的是（　　）。
A.竭泽而渔
B.照猫画虎
C.东施效颦
D.指鹿为马

【答案】 A
46、May is as（　　）as a peacock and always wants to be the center.
A.beautiful
B.smart
C.slender
D.vain

【答案】 D
47、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.changes
B.makes
C.sets
D.turns

【答案】 B
48、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.will probably loan money bad-credit people as they still have open accounts
B.will probably loan money no-credit people as they haven’t made any financial mistakes
C.won’t risk loaning money or extending credit to no-credit person or bad-credit person
D.None of above

【答案】 C
49、资料：Keeping the Zeal of a Startup as You Scale
A.They are more concentrated and tend to stick to their goals
B.They frequently defeat old companies in competitions
C.They try figure out new ways to solve problems
D.They do not follow existing rules

【答案】 B
50、The customer wanted to get a refund,because the purchased merchandise was neither good in quality（　　）price.
A.or
B.nor
C.for
D.but

【答案】 B
51、企业接受的现金捐赠，应计入（ ）。
A.营业外收入
B.盈余公积
C.资本公积
D.未分配利润

【答案】 A
52、对英镑和美元而言，如果英镑的汇率上升，意味着美元的汇率将（ ）。
A.上升
B.下降
C.不变
D.两者之间没有关系

【答案】 B
53、资料：You can not go forward by going backward. Take the current debate about trade and globalization, for instance, while the impulse to erect trade barriers is understandable given the pain experienced in recent years, it is not the way to create lasting growth and shared prosperity.
A.The participation in the trade globalization is not broad enough
B.Job losses are often under-estimated
C.Domestic firms are problematic with productivity
D.Globalization hinders growth of small and medium-size firms

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

【答案】 B
55、______ we have finished the course,we shall take a new one.
A.Ever since
B.Now that
C.As soon as
D.By now

【答案】 B
56、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.The two sides have not reached an agreement on conditions of Britain’s orderly exit
B.Britain refuses to fill the financial bole of the EU
C.British People are divided on the issue of Brexit
D.EU does not want Britain to exit from it

【答案】 A
57、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.货币局制
B.传统的盯住汇率制
C.事先不公开汇率目标的管理浮动
D.单独浮动

【答案】 A
58、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.
A.was the first woman doctor
B.and several other women founded the first hospital for women children
C.became the first woman physician
D.set up the first medical school for women

【答案】 A
59、某银行因特殊情况集中办理业务，导致窗口出现排队现象。假定每分钟来办业务的顾客增长数量相等，粗略估计，要让排队现象消失，在同时开设4个窗口的情况下需要25分钟，在同时开设6个窗口的情况下需要12.5分钟。则如果需要在10分钟内让排队现象消失，则至少应当开（　　）窗口。
A.7
B.8
C.6
D.5

【答案】 A
60、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
61、人们根据特定的需要，预先为计算机编制的指令序列称为（ ）。
A.软件
B.文件
C.语言
D.程序

【答案】 D
62、下列各项中，不应确认为应付职工薪酬科目来核算的有（　　）。
A.利润分享计划
B.社会保险费和辞退福利
C.职工工资和福利费
D.差旅费

【答案】 D
63、If English means endless new words，difficult grammar and sometimes strange pronunciation，you are wrong.Haven’t you noticed that you have become smart