2019-2025年银行招聘之银行招聘综合知识考试题库.docx

2019-2025年银行招聘之银行招聘综合知识考试题库

单选题（共600题）
1、“AI测温”的基础是红外热成像技术，这并非是新出现的技术，早在2003年非典时期，基于同样技术的“额温枪”、“耳温枪”就被广泛使用过。这样的测温方式并非没有缺点。它无法区分人和同等温度的物体，测温者承担着近距离接触患病人员的风险。
A.AI测温跟额温枪、耳温枪一样，都是基于热成像技术的科技产品
B.超过一定距离，Al测温仪器就无法辨别出人体的温度
C.Al测温并非是新技术
D.基于红外热成像技术测量体温的方式存在的缺点

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

【答案】 B
3、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.generally distorted values
B.unfair wealth distribution
C.a marginalized lifestyle
D.a rigid moral code

【答案】 A
4、 下列会计凭证中属于原始凭证的是（　　）。
A.收款凭证
B.付款凭证
C.转账凭证
D.收款收据

【答案】 D
5、缺乏人力资源规划对组织造成的损害是（　　）。
A.职位空缺无法及时得到填补
B.主管无法客观评价下属的工作绩效
C.人力资源部门不能实施职位评价
D.企业无法确定职位说明书

【答案】 A
6、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.doubtful
B.indifferent
C.positive
D.pessimistic

【答案】 C
7、下列关于国内信用证办理和使用要求的表述中，符合支付结算法律制度规定的是（ ）。
A.信用证结算方式可以用于转账，也可以支取现金
B.开证行应向申请人收取不低于开证金额30%的保证金
C.信用证到期不获付款的，议付行可从受益人账户收取议付金额
D.申请人交存的保证金和存款账户余额不足支付的，开证行有权拒绝付款

【答案】 C
8、（ ）their existing problems,great improvements were made in the country’s literacy rates and health care system.
A.But for
B.For all
C.Above all
D.Except for

【答案】 B
9、商业银行客户信息管理“展业三原则”是指（　　）。
A.了解你的业务、了解你的客户、了解你的市场
B.了解你的渠道、了解你的客户、尽职调查
C.了解你的业务、了解你的市场、尽职调查
D.了解你的业务、了解你的客户、尽职调查

【答案】 D
10、 企业会计核算必须符合国家的统一规定，这是为了满足（　　）要求。
A.一贯性原则
B.重要性原则
C.可比性原则
D.客观性原则

【答案】 C
11、“Well done,Cassandra.”Crook said.She blushed,but accepted the （ ）with good grace.
A.commence
B.compromise
C.compensate
D.compliment

【答案】 D
12、Passage 9
A.the reader’s expectations agree with what is said in the text
B.the reader has trouble understanding what the author says
C.the reader asks questions and gets answers
D.the reader understands a text very well

【答案】 B
13、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
14、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.常备借贷便利
B.中期借贷便利
C.抵押补充贷款
D.中央银行贷款

【答案】 D
15、下列属于完全垄断的行业是（ ）。
A.商业银行
B.通信企业
C.汽车、石油、天然气
D.公共事业

【答案】 D
16、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
17、行政指导和其他行政行为的最大区别在于（ ）。
A.主体不同
B.目的不同
C.范围不同
D.是否具有法律强制力不同

【答案】 D
18、 对于当期档案，会计师事务所应当自审计报告签发之日起，至少保存( )。
A.15年
B.10年
C.25年
D.永久

【答案】 B
19、Science and spirit seemed so incongruent, and yet they both appeared to be two windows （ ） into the same house.
A.looked
B.looks
C.looking
D.to look

【答案】 C
20、Many of those that are prosecuted and sentenced and end____in a jail are subsequently freed or simply walk out the door as there are prisons in Congo that simply do not have doors.
A.down
B.off
C.up
D.beyond

【答案】 C
21、资料：Demystifying how social and human-like robots work is vital so that we can understand and shape how they will affect our future, Dr Hatice Gunes will tell the Hay Festival next week. (1)
A.With the development of human robot interaction, robots ae now able to communicate with humans in an effective way
B.Scientists have many challenges in developing robots, such as how to modify their appearance and behavior
C.Human emotions enable robots to win the trust from human, especially the elderly and children
D.It is important to help people understand robots in order to develop robots to human needs

【答案】 D
22、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.
A.everyone in the team is equal in position
B.everyone works in the same office
C.every person in the team has different skills
D.everyone works for the common goal

【答案】 D
23、提出“复杂人”假设的是（　　）。
A.哈罗德·孔茨
B.亨利·法约尔
C.埃德加·沙因
D.弗雷德里克·泰勒

【答案】 C
24、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.
A.Travel destinations’ financial conditions
B.Travel suppliers’ strategies
C.Travelers’ Preference
D.Mobile Tech

【答案】 A
25、I hear many parents saying that their teenage children are rebellion.I wish it were so.At your age you ought to be growing away from your parents.You should be learning to stand on your own two feet.But take a good look at the present rebellion.It seems that teenagers are all taking the same way of showing that they degree with their parents.Instead of striking out bravely on their own,most of them are trying to seize at one another’s hands for safety.
A.readers how to be popular in the world
B.parents how to control and guide their children
C.teenagers how to learn to decide things for themselves
D.people how to understand and respect each other

【答案】 C
26、下列表述正确的是（　　）。
A.对于富有弹性（需求价格弹性大于1）的商品，升高价格会增加厂商的销售收入
B.对于缺乏弹性（需求价格弹性小于1）的商品，降低价格会增加厂商的销售收入
C.对于单位弹性（需求价格弹性等于1）的商品，降低或升高价格对均衡产出没有影响
D.对于无弹性（需求价格弹性等于0）的商品，厂商销售收入会同比例于价格的上升而增加

【答案】 D
27、C语言程序是由（　　）构成的。
A.一些可执行语言
B.main函数
C.函数
D.包含文件中的第一个函数

【答案】 C
28、序数效用论关于消费者偏好的基本假定不包括（　　）。
A.偏好的完备性
B.偏好的传递性
C.偏好的不饱和性
D.偏好的独立性

【答案】 D
29、资料：Tencent Holdings Ltd has announced that it will fully open up its big data platform and machine learning technology in a move to build a "sharing economy" based on cloud services. Enterprises will be able to use a set of big data analysis tools developed by Tencent, helping them gain a better understanding of their clients and improve their products.
A.Cloud services help enterprises get access to resources
B.Tencent's efforts to develop cloud service
C.Tencent opens up big data platform to boost sharing economy
D.Cloud technology

【答案】 C
30、资料：Taikong City was founded by the dormuns about 50 AD.Its name is derived from a Cethic worldwhich means the piece of the bold one.After they invaded Bliton in 43 AD the Dormons built a bridge across the Themas River.They later decided it was an excellent place to built a port.The water was deep enough for ocean going ships but it was far enough inland to be safe from other raiders.Around 50 AD Dormons merchants built a town by the bridge.So Taikong City was born.
A.Queen Boudia made great contribution to Taikong City
B.It was not until the middle of the 3rd century that the bastions were built on the stone walls
C.By the end of the 2nd century.most people lived in the wooden houses
D.缺

【答案】 B
31、We appreciate your patience and hope to serve you in a timelier manner in the future. ____ , please contact our order department at 716-555-0160 with any questions .
A.instead
B.meanwhile
C.in contrast
D.besides

【答案】 D
32、“只要有信心，黄土变成金”所蕴含的的哲理是（　　）。
A.意识对物质具有能动的反作用
B.意识活动本身可以改变客体
C.人们的精神活动依赖于物质活动
D.社会意识决定社会存在

【答案】 A
33、下列财产物资，可用抽样盘点法进行财产清査的是（ ）。
A.成套设备
B.低值易耗品
C.办公桌椅
D.汽车

【答案】 B
34、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
35、But at the same time, 77 percent of moms and dads____that the Web is crucial to learning,and an overwhelming 91 percent admit that it helps their kids explore things they're passionate about.
A.recognize
B.announce
C.distinguish
D.assert

【答案】 A
36、《边城》是沈从文的代表作。此作品主要描绘了哪个地区风土人情（　　）。
A.湘西
B.武汉
C.长沙
D.婺源

【答案】 A
37、根据我国《公司法》的规定，有限责任公司成立的日期为（　　）。
A.公司登记机关受理登记申请之日
B.申请人收到营业执照之日
C.公司成立公告发布之日
D.营业执照签发之日

【答案】 D
38、管理的核心和动力是（ )。
A.权力及权威
B.激励手段
C.人以及人的积极性
D.资源的分配

【答案】 C
39、资料：As more personal business is conducted through smartphone devices , more users are implementing security measures for their devices, according to a recent survey by Harris Poll and commissioned by the CTIA.
A.Implement security measures for smart devices and protect the security
B.Boost user education on the pitfalls of mobile security and assess whether the initiatives are working
C.Boost user education on the apps and test the security of them
D.None of above

【答案】 B
40、We have to ask ourselves if it is really as essential to a basic education as we______.
A.resume
B.assume
C.summarize
D.consume

【答案】 B
41、同业拆借（ ）。
A.是一种特殊的存款形式
B.最长不得超过6个月
C.参与者包括银行、非银行金融机构与中介机构
D.属于担保信用

【答案】 C
42、下列有关剩余价值的几个说法不正确的一项是（ ）。
A.剩余价值不是从流通过程中产生的，而是在劳动力的消费过程即资本主义生产过程中形成的
B.超额剩余价值是由于商品的个别价值高于社会价值而产生的那部分剩余价值
C.绝对剩余价值生产是在必要劳动时间不变的条件下，由于延长工作日的绝对量所产生的剩余价值
D.相对剩余价值生产是在工作日不变的条件下，由于必要劳动时间缩短所产生的剩余价值

【答案】 B
43、Passage 9
A.conscious and unconscious levels of comprehension
B.the reader’s expectations and the meaning of a text
C.lower and higher levels of comprehension
D.interpreting and criticizing a text

【答案】 C
44、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
45、Passage 1
A.better students’learning methods
B.prevent students going into debt
C.help students get accepted by colleges
D.make students become very wealthy

【答案】 B
46、政府支出增加时，可能会使私人支出减少，这一效应称为（　　）。
A.替代效应
B.挤出效应
C.投资乘数效应
D.凯恩斯陷阱

【答案】 B
47、Mobile and portable technologies allow learners to access information irrespective of their physical context, for example on a bus or,______as a way to provide learners with location-based information.
A.simultaneously
B.generally
C.accordingly
D.alternatively

【答案】 D
48、资料：之后，经济学家Mr.X展望了中欧之间的商业机遇，请根据下列资料回答问题。
A.Hiring a local agent or 3PQ is most convenient
B.Agents charge high prices
C.One should inspect the factories personally
D.Visiting a factory requires applications

【答案】 A
49、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.what
B.when
C.which
D.that

【答案】 D
50、总分类账户与明细分类账户平行登记四要点中的“依据相同”是指（ ）。
A.总分类账要根据明细分类账进行登记
B.明细分类账要根据总分类账进行登记
C.根据同一会计凭证登记
D.由同一人员进行登记

【答案】 C
51、It is said that he（　　）for several years.
A.had died
B.has been dead
C.died
D.has dead

【答案】 B
52、电子邮件是Internet应用最广泛的服务项目，通常采用的传输协议是（　　）。
A.SMTP
B.TCP／IP
C.CSM A／C
D.TPX／SPX

【答案】 A
53、资料：Acknowledging that so-called cloud computing will blur the distinctions between computers and networks, about two dozen big information technology companies plan to announce a new standards-setting group for computer networking. The group, to be called the Open Networking Foundation, hopes to help standardize a set of technologies pioneered at Stanford and the University of California, Berkeley, and meant to make small and large networks programmable in much the same way that individual computers are.
A.The open networking foundation will be led by Stanford and the university of California, Berkeley
B.With the setting of new standards, operators of large networks will have more flexibility of control
C.People will have a better understanding of the distinctions between computers and networks thanks to cloud computing
D.Cloud computing will involve more routing computers than the traditional internet

【答案】 B
54、通常情况下，下列商业银行资产的流动性自高至低排序正确的是（　　）。
A.（2）＞（1）＞（3）＞（4）
B.（1）＞（2）＞（3）＞（4）
C.（2）＞（1）＞（4）＞（3）
D.（1）＞（2）＞（4）＞（3）

【答案】 D
55、资料：Economic performance is improving in most of the world's leading economies but is still short of a self-sustaining upswing, the Organization for Economic Cooperation and Development said on Wednesday.
A.The Russia’s 2017 economic growth forecast has been revised higher
B.The leading economies have achieved sustainable long-term growth
C.The OECD is not optimistic about China's economic growth
D.India's economic growth forecast have been upgraded

【答案】 A
56、_____often occurs because we lack self confidence and doubt our abilities .
A.Indecisiveness
B.Interference
C.Procrastination
D.Carelessness

【答案】 A
57、 企业提供的会计信息应当能够反映其财务状况、经营成果和现金流量，以满足会计信息使用者的需要，属于( )的运用。
A.相关性原则
B.可比性原则
C.实质重于形式原则
D.客观性原则

【答案】 A
58、The sudden heavy rain（　　）our holiday plan.
A.damaged
B.destroyed
C.sabotaged
D.spoiled

【答案】 D
59、There is a note pinned to the door（　　）when the shop will open again.
A.saying
B.says
C.said
D.having said

【答案】 A
60、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.1990 年 12 月
B.1991 年 7 月
C.1991 年 8 月
D.1991 年 12 月

【答案】 A
61、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.Morpholoical and genetic studies helped scientists to trace unknown common ancestor of chimps and humans existed
B.Morphological and genetic studies determined exact species of common ancestor of chimps and humans existed
C.Genetic studies found hominid fossils to bridge the evolutionary progression from unknown common ancestor to modern humans
D.Morphological studies helped finding the famous East African fossils and set up an milestone in this field

【答案】 C
62、下列财产物资，可用抽样盘点法进行财产清査的是（ ）。
A.成套设备
B.低值易耗品
C.办公桌椅
D.汽车

【答案】 B
63、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
64、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
65、下列哪个选项不在世界四大文明古国之列？（ ）
A.巴比伦
B.雅典
C.埃及
D.印度

【答案】 B
66、资料：Business,academic and civic leaders in Cambridge have warned that one of Britain’s major economic growth cities is under threat unless the government acts quickly to restore trust post-Brexit.
A.Prosperity
B.Increase
C.Decrease
D.Bleakness

【答案】 A
67、The sleeping soldier received a strong ___ from his commanding officer.
A.respite
B.reprimand
C.revulsion
D.rookie

【答案】 B
68、北京时间2019年2月10日，中国选手（　　）在起跑出现了失误的情况下跑出了7秒63，夺下了美国Don Kirby邀请赛男子60米栏冠军，并创造了本赛季亚洲男子60米栏的最好成绩。
A.谢文骏
B.谢震业
C.苏炳添
D.武大靖

【答案】 A
69、Her collection of paintings was ______ to the National Gallery when she died.
A.inherited
B.bequeathed
C.beneath
D.bewildered

【答案】 B
70、Lawyers