2025年银行招聘之银行招聘综合知识自我提分评估(附答案).docx

2025年银行招聘之银行招聘综合知识自我提分评估(附答案)

单选题（共600题）
1、在Exce1中，将3、4两行选定，然后进行插入行操作，下列表述正确的是（　　）。
A.在行号2和3之间插入两个空行
B.在行号3和4之间插入两个空行
C.在行号4和5之间插入两个空行
D.在行号3和4之间插入一个空行

【答案】 A
2、The empirical evidence suggests that______extra working hours can have positive effects on labor market outcomes, while others reporting zero or negative effects.
A.absorbing
B.adopting
C.abolishing
D.abandoning

【答案】 D
3、 我国《合同法》在要约的生效时间上采取的是（　　）。
A.发信主义
B.到达主义
C.以发信主义为主，到达主义为辅
D.以到达主义为主，发信主义为辅

【答案】 B
4、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
5、按照有关规定,我国商业银行对中小企业贷款的利率最高和最低可分别上浮和下浮（）。
A.30%和15%
B.30%和10%
C.50%和30%
D.50%和10%

【答案】 B
6、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor.
A.modern technology has brought about a lot of trouble
B.modern technology has cost farmers a lot of money
C.farmers were put deeply in debt
D.modern technology has released farmers from heavy labor

【答案】 D
7、Passage 1
A.introduce a new course to students
B.help students learn about investment
C.teach how to apply for a credit card
D.encourage students’personal savings

【答案】 B
8、资料：Are walkers smarter than drivers?
A.Aimed to
B.Helpful to
C.Harmful to
D.Related to

【答案】 B
9、在金融工具的性质中，成反比关系的是（　　）。
A.期限性与收益性
B.风险性与期限性
C.期限性与流动性
D.风险性与收益性

【答案】 C
10、The foreign friends you referred to（　　）looking forward to（　　）around our university.
A.are;being shown
B.being;being shown
C.being;showing
D.are;be shown

【答案】 A
11、由于挤兑风波导致商业银行倒闭的风险属于（　　）。
A.国家风险
B.流动性风险
C.法律风险
D.操作风险

【答案】 B
12、根据《个人外汇管理办法》的规定，下列说法不正确的是（ ）。
A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户
B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户
C.结算账户用于转账汇款等资金清算支付
D.储蓄账户可用于外汇存取与转账

【答案】 D
13、在工作中，小周不慎将计算机的电源线拔掉，导致计算机断电关机。下列存储器中，原存信息丢失可能性最大的是（　　）。
A.软盘存储器
B.ROM存储器
C.半导体RAM存储器
D.硬盘存储器

【答案】 C
14、In 2012, the last______flood hit the southwestern part of the Netherlands and caused more than 1800 casualties.
A.adverse
B.radical
C.severe
D.disastrous

【答案】 D
15、下列账务处理程序中，适合规模较小，经济业务较少类型使用的是（　　）。
A.记账凭证汇总表账务处理程序
B.汇总记账凭证账务处理程序
C.科目汇总表账务处理程序
D.记账凭证账务处理程序

【答案】 D
16、如果将A2单元格中的公式“=B$1一$D1”复制到区域A3：C4中，则单元格B3中的公式为（　　）。
A.“=B$1一$D1”
B.“=C$2一$E2”
C.“=C$1一$D2”
D.“=B$2一D$2”

【答案】 C
17、1984年之前我国的中央银行制度类型属于（　　）。
A.复合式
B.单一式
C.二元式
D.准中央银行

【答案】 A
18、揭示事物发展具有前进性和曲折性相统一的规律是（ ）。
A.联系和发展的规律
B.对立统一规律
C.质量互变规律
D.否定之否定规律

【答案】 D
19、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.Customers' needs
B.Practice models
C.Books of management
D.A trained secretary

【答案】 B
20、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
21、Passage 10
A.simplify routine matters
B.absorb user attention
C.better interpersonal relations
D.increase work efficiency

【答案】 B
22、资料：Samsung’s Notebook 7 Spin is a stylish，versatile work machine with power to spare.The 2-in-1 notebook’s performance is impressive，and its versatile folding design is legitimately useful.Unfortunately，the system’s shallow keyboard and lackluster battery life curtail its productivity potential a bit.
A.Versatile folding design，a slim look，keyboard
B.Versatile folding design，a slim look，battery life
C.Versatile folding design，a slim look，keyboard and battery life
D.Versatile folding design，a slim look，system’s roomy display and hardware

【答案】 D
23、Highly emotional,lacking in self-confidence,he knocked about in____jobs as a young man before settling on the study of art.
A.various
B.overall
C.modified
D.peculiar

【答案】 A
24、资料：We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list.
A.full night of sleep deprivation puts people on the risk of false memory
B.Short-term lack of sleep is more likely to result in memory distortion
C.Deprivation of sleep fails to have impact on the ability to memorize list
D.Your own name will not escape you no matter how long you sleep

【答案】 A
25、夏日雷雨过后，人们会感到空气特别清新，其主要原因是（ ）。
A.雷雨过后，空气湿度增加
B.雷雨过程中雷电导致空气中的臭氧分子增加
C.雷雨过程中空气中的灰尘随雨水降落到地面
D.雷雨过程中气温快速下降

【答案】 B
26、经过对账，如果开户单位账面余额与银行分户账余额不符，可通过（　　）核对出差额，进行查对。
A.调节表
B.余额调节表
C.未达账项调节表
D.银行对账单

【答案】 B
27、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
28、Most of the time, we eat soft foods, so gradually our jaws stop growing to the full ______.
A.control
B.capacity
C.campaign
D.category

【答案】 B
29、需求拉上的通货膨胀可以通俗地表述为（ ）。
A.太多的货币追求太多的商品
B.太多的货币追求太少的商品
C.太少的货币追求太多的商品
D.太少的货币追求太少的商品

【答案】 B
30、 对费用预算、经济合同的执行情况进行审查属于( )。
A.事前审计
B.事中审计
C.事后审计
D.内部审计

【答案】 B
31、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.Britain’s exit from European Union will have an impact on its membership in the bank
B.United States and Japan will join the Asian Infrastructure Investment Bank soon
C.More countries are interested in the membership in the bank
D.Germany and France will join the bank soon

【答案】 C
32、研究发现，睡眠存在障碍与很多疾病有着难以______的联系。有时候通过改善睡眠状态，可连带对另一种疾病的治疗起到______的功效。
A.割裂一石二鸟
B.分割正本清源
C.确认投石问路
D.区分釜底抽薪

【答案】 A
33、Passage 2
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
34、资料： The poverty line is the minimum income that people need for an acceptable standard of living. People with incomes below the poverty line are considered poor. Economists study the causes of poverty in order to find solutions to the problem.
A.Confidence
B.Ability
C.Diligence
D.Willpowe

【答案】 D
35、Heating，ventilating，and air conditioning（HVAC） systems are______in most of underground subway stations to provide comfortable and fresh air to underground subway stations。
A.assembled
B.installing
C.equipped
D.installed

【答案】 D
36、把生产资本分为固定资本与流动资本，其依据是（ ）。
A.在生产过程中不同的价值转移方式
B.在生产过程中不同的物质存在形态
C.不同部分在剩余价值生产中的不同作用
D.不同部分的不同运动速度

【答案】 A
37、经济成本和经济利润具有以下特征（　　）。
A.前者比会计成本小，后者比会计利润大
B.两者都比相应的会计成本和会计利润大
C.前者比会计成本大，后者比会计利润小
D.两者都比相应的会计成本和会计利润小

【答案】 C
38、.下面各组宏观经济发展目标所对应的衡量指标错误的是（ ）。
A.经济增长—国民生产总值
B.充分就业—失业率
C.物价稳定—通货膨胀
D.国际收支平衡—国际收支

【答案】 A
39、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.银行间外汇市场
B.同业拆借市场
C.票据市场
D.债券市场

【答案】 A
40、A（n） ___ five years ago, Pangkor boasted sweet-singing birds. Now the jungle is being cut down.
A.just
B.mere
C.only
D.simple

【答案】 B
41、资料：Above the line promotion uses mass media such as the press,radio,television,cinema or poster sites. This type of promotion is usually paid for. Each of the possible media methods can be used to target audiences in different market segment. There are both strengths and drawbacks to these forms of media:
A.by registering their support on the internet
B.by applying for a job in UNISON
C.by distributing newspaper adverts to people in the community
D.all above

【答案】 A
42、 企业事业单位可以自主选择银行开立的用于日常转账结算与现金收付的账户是（　　）。
A.一般存款账户
B.临时存款账户
C.专用存款账户
D.基本存款账户

【答案】 D
43、Passage 4
A.a form of gambling
B.a way of making money quickly
C.useful and necessary
D.old-fashioned

【答案】 C
44、Land is a major social and political issue, very explosive and very much inclined to ______ a lot of conflict in different parts of the country.
A.provoke
B.irritate
C.inspire
D.hoist

【答案】 A
45、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
46、中国近代史上第一个不平等条约是（）。
A.《南京条约》
B.《马关条约》
C.《瑷珲条约》
D.《望厦条约》

【答案】 A
47、重点向国家基础设施、基础产业和支柱产业项目以及重大技术改造和高新技术产业化 项目发放贷款的银行是（ ).
A.中国建设银行
B.国家开发银行
C.中国进出口银行
D.中国农业发展银行

【答案】 B
48、设a，b均为正整数，且有等式11a＋7b＝132成立，则a的值为？（　　）
A.6
B.4
C.3
D.5

【答案】 D
49、资料：We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list.
A.Sleep and Photographic memory
B.Lack of Sleep Leading to Crimes
C.Sleep and Cognitive of human beings
D.Lack of Sleep Producing False Memory

【答案】 D
50、某单位组织130名员工去参观自然博物馆，某运输公司有两种车辆可供选择：
A.525
B.530
C.545
D.585

【答案】 A
51、一次化妆舞会中，男士戴着蓝色的帽子，女士戴着红色的帽子。每个男士看见的蓝色帽子比红色帽子的2倍还多6个，每位女士看见的蓝色帽子是所见红色帽子的3倍。那么房间里一共有（　　）人。
A.37
B.27
C.39
D.29

【答案】 A
52、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 businessmen look for ways to combine different options
B.Chinese businessmen have stronger sense of national pride
C.Chinese businessmen have their own pace doing business
D.Chinese businessmen treasure close relationship

【答案】 B
53、 关于会计核算的基本前提，下列说法中不正确的是（　　）。
A.会计基本假设包括会计主体、持续经营、会计分期和货币计量
B.如果企业发生破产清算.经相关部门批准后，可以继续适用持续经营假设
C.在我国.以公历年度作为企业的会计年度。即公历1月1日至12月31日
D.会计的货币计量假设，包含了两层含义：一是以货币作为会计的统一计量单位：二是作为会计计量单位的货币.其币值是稳定不变的

【答案】 B
54、以“甲和乙不都是律师”为前提，再增加（ ）为一个前提，就可以有效地推出结论“乙不是律师。
A.甲是律师
B.如果甲不是律师，则乙是律师
C.甲不是律师
D.如果甲是律师，则乙不是律师

【答案】 A
55、The（　　）behind the yellow tape is prohibited to anyone without a press pass.
A.positing
B.scenery
C.exterior
D.area

【答案】 D
56、一般而言，金融资产的流动性与风险性、收益性之间的关系存在（ ）。
A.正相关
B.负相关
C.不相关
D.不确定关系

【答案】 B
57、当国民收入水平提高，而政府又没有采用任何财政政策，下列哪种情形肯定发生？（）
A.政府支出增加
B.政府财政赤字增加
C.政府税收增加
D.政府税收减少

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

【答案】 D
59、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
60、巴塞尔协议III中，净稳定融资比例主要用于度量长期内银行解决资金错配的能力，该比例为（　　）。
A.银行可用稳定资金来源/业务所需的稳定资金来源≧50%
B.银行可用稳定资金来源/业务所需的稳定资金来源≧100%
C.银行可用稳定资金来源/业务所需的稳定资金来源≧150%
D.银行可用稳定资金来源/业务所需的稳定资金来源≧200%

【答案】 B
61、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
62、Passage2
A.The waves would move him backwards
B.The water would choke him
C.He would immediately sink to the bottom
D.He would be exhausted or unconscious

【答案】 D
63、下列哪项不属于计算机内部采用二进制的优点？（)
A.便于硬件的物理实现
B.运算规则简单
C.可用较少的位数表示大数
D.可简化计算机结构

【答案】 C
64、在民事诉讼时效期间的最后6个月内，权利人因不可抗力或者其他障碍不能行使请求权的，诉讼时效（ ）。
A.中断
B.中止
C.延长
D.终止

【答案】 B
65、There is an increasing（　　）to make movies describing violence.
A.strength
B.direction
C.tradition
D.Trend

【答案】 D
66、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.They are inconsistent about the attitude toward after hour's emails
B.They both push the employees to be available all the time
C.They are consistent about the attitude towards after hour's emails
D.They both don't mean to stress the employees out

【答案】 A
67、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
68、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor.
A.there is less and less farmland in the USA
B.agriculture has greatly developed
C.farmers’work is less heavy than in the past
D.tractors are great helpers for the farmers

【答案】 B
69、“物华天宝，龙光射牛斗之墟”出自（ ）。
A.张若虚《春江花月夜》
B.苏轼《赤壁赋》
C.江淹《别赋》
D.王勃《滕王阁序》

【答案】 D
70、目前在我国不存在的票据是（ ）。
A.银行本票
B.商业本票
C.银行汇票
D.商业汇票

【答案】 B
71、资料：Special needs students can not only learn from regular education teachers, but can participate in collaborative learning with mainstream students as well. Collaborative learning allows students to work together in groups to complete lessons and assignments.
A.Task mastering students work on a teacher-assigned task
B.It involves four-person teams
C.Each student in the group acts as an “expert”
D.teacher-assigned task is divided into equal parts

【答案】 A
72、阅读理解
A.the distortion of reality by science
B.the confusion caused by emotions
C.Platonic and contemporary views of truth
D.the place of scientific truth in our lives

【答案】 D
73、On Thursday, lawmakers introduced a bill to ______ harsher penalties for sexual assault in the military.
A.integrate
B.invade
C.impose
D.impair

【答案】 C
74、An epigram is usually defined ___ a bright or witty thought that is briefly and ingeniously expressed.
A.as
B.as be
C.as been
D.to being

【答案】 A
75、材料二：2018年上半年，我国经常账户逆差1801亿元，资本和金融账户顺差4247亿元，其中，非储备性质的金融账户顺差7451亿元，储