2019-2025年银行招聘之银行招聘综合知识题库附答案（基础题）.docx

2019-2025年银行招聘之银行招聘综合知识题库附答案（基础题）

单选题（共600题）
1、对同一借款客户的贷款佘额与商业银行资本余额的比例不得超过（ ）。
A.5%
B.8%
C.10%
D.15%

【答案】 C
2、商业利润的来源是（　　）。
A.生产过程在流通中继续所创造的价值
B.产业工人创造的剩余价值
C.流通中发生的价值增值
D.流通领域中商品买和卖的差额

【答案】 B
3、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.single
B.individual
C.former
D.savings

【答案】 B
4、研究者通过对300名小学生长达20年的观察，发现被夸聪明的孩子更容易半途而废、自信心不足和胆小怕事。后来，研究者在重复实验中加入了社会不同阶层的被试者，都发现了相同的结果。因此，研究者认为经常被表扬会带来许多负面效应。
A.表扬不一定都能起到积极效果，效果会因表扬的具体内容不同而不同
B.另一项关于表扬的调查研究显示，被表扬的女性变得更胆小怕事
C.另一项关于表扬的调查研究显示，积极表扬的被试组和无表扬的被试组在学习成绩的差异并不显著
D.另一项关于表扬的调查研究显示，表扬对智商较高的男性影响最大，他们中的大部分在“失败反应”的测试中都崩溃了

【答案】 B
5、下列属于消费信用的是（　　）。
A.赊账
B.银团投资
C.直接投资
D.出口信贷

【答案】 A
6、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.the press,radio and television
B.the press,radio,internet,television,cinema and post sites
C.the press,radio,internet
D.the press,radio,television,cinema and poster sites

【答案】 D
7、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.encouraged
B.pessimistic
C.depressed
D.hard to tell

【答案】 A
8、 下列提法中，表述正确的是（　　）。
A.政府审计是独立性最强的一种审计
B.财务报表的合法性是报表使用者最为关心的
C.注册会计师审计意见旨在提高财务报表的可信赖程度
D.内部审计是注册会计师审计的基础

【答案】 C
9、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Saudi Arabia，UAE，Venezuela
B.Qatar，Kuwait，Nigeria
C.Bahrain，Oman，Qatar
D.Iran，kuwait，Dubai

【答案】 C
10、李斯特认为对某一幼稚工业的保护时间（　　）。
A.以20年为最高期限
B.以30年为最高期限
C.以50年为最高期限
D.无限

【答案】 B
11、以下关于“企业文化”的说法，错误的是（　　）。
A.企业文化的核心是企业的精神文明建设
B.企业文化是一个组织由其价值观、符号、处事方式等组成的文化形象
C.企业文化的管理方式是以柔性管理为主
D.企业文化的重要任务是增强企业的凝聚力

【答案】 A
12、下面二十四节气中，不属于夏季（以立夏为开始，立秋为结束）的是（　　）
A.夏至
B.处暑
C.芒种
D.小满

【答案】 B
13、下列关于中国航天技术的说法，不正确的是（　　）。
A.我国运载火箭均属于“长征”系列
B.中国现在已建成的航天器发射场有酒泉、西昌、西宁三处
C.中国于1970年成功发射了第一颗人造地球卫星“东方红一号”
D.“嫦娥工程”是中国启动的第一个探月工程

【答案】 B
14、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
15、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
16、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.紧缩货币政策
B.消极货币政策
C.中性货币政策
D.宽松货币政策

【答案】 D
17、在营销调研中，调研人员一般先收集（　　）。
A.一手资料
B.二手资料
C.原始资料
D.外部资料

【答案】 B
18、根据我国《合同法》的规定，下列关于合同的形式说法正确的是（　　）。
A.合同的形式包括书面形式和口头形式
B.合同的书面形式是指合同书形式
C.合同的形式必须为书面的
D.电子邮件合同是口头形式合同

【答案】 A
19、企业下列经济业务中，会影响其偿债能力的是（　　）。
A.企业向投资者分配股票股利
B.企业提前支付某供应商货款
C.企业用资本公积转增资本
D.企业用盈余公积弥补亏损

【答案】 B
20、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.Unbiased
B.Slightly critical
C.Fully supportive
D.Paradoxical

【答案】 B
21、Swimming is an all-body workout。It______small muscle groups that often get ignored in other workouts。
A.helps
B.keeps
C.heals
D.works

【答案】 D
22、下列表述中不符合因事设职和因人设职相结合原则的是（　　）。
A.任何组织首先是人的集合，而非是事和物的集合
B.组织中的工作最终要靠人完成，不能完全招聘社会上的人员来满足企业的所有需要
C.即一个上级直接领导与指挥下属的人数应该有一定的限制，并且应该是有效的
D.组织设计往往不是全新的，进行再度调整时，要考虑“事事有人做”而非“人人有事做”

【答案】 C
23、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD player or Nokia phone at Best Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.
A.Best Buy's failure in China
B.Chinese local retailers' reason for success
C.Overseas retailers' struggle in the Chinese market
D.The development of retail industry in China

【答案】 A
24、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.5.6%
B.7.1%
C.16.1%
D.24.4%

【答案】 A
25、资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer.
A.Not including Primary Chequing,you can own 17 accounts
B.You can make unlimited everyday banking transactions in branch,online,at an ATM of Bank of Monsell,or phone banking services
C.It offers preferred exchange rate when buying U.S.cash（up to $5,000 U.S.per transaction）
D.It is able to help save you up to $288.60 a year on fees

【答案】 C
26、The local area network also connects to a wide area network that allow a message ______ across the country or to other countries.
A.is sent
B.to be sent
C.sending
D.send

【答案】 B
27、列宁说过“没有革命的理论，就不会有革命的运动”。这句话的哲学含义是（　　）。
A.哲学对经济、政治有着决定性的作用
B.哲学是社会变革的先导
C.哲学指引人们追求美好的未来
D.哲学反映了时代的任务和要求

【答案】 B
28、下列选项中，对古文化常识描述错误的是（ ）。
A.古称兄弟间的老大为“伯”，古代兄弟间以伯、仲、叔、季为排行顺序，古人常在字前加排行次序，如“伯离”、“仲尼”、“叔向”、“季路”等
B.垂髫是古时对60岁以上老妇人的别称，髫是指老人轻软披散的头发
C.古代位居方向有尊卑之称，如南向为胜、尊，以北向为败、卑；以东为主为首，以西为从为次。后渐以“东家”为主人的代称
D.蛾眉,亦作“娥眉”，古代美女的代称，“蛾眉”本为女子长而美的眉毛，代指女子美貌，进而代称美女

【答案】 B
29、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 bad credit

【答案】 D
30、邓小平理论和“三个代表”重要思想的精髓是（ ）。
A.坚持和发展生产力
B.坚持四项基本原则
C.“三个有利于”标准
D.解放思想、实事求是、与时倶进

【答案】 D
31、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
32、Her speech was ______,that is to say, we ______ her speech.
A.impressive;were impressing by
B.impressed;were impressed at
C.impressive;were impressed with
D.impressing;were impressing at

【答案】 C
33、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.Next steps to take for people in different categories
B.How no credit and bad credit are different
C.How no credit and bad credit are similar
D.All the above have been discussed in the passage

【答案】 D
34、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 business philosophy
B.China's business culture
C.Doing business in China
D.Guanxi in China

【答案】 B
35、The music aroused an（ ）feeling of homesickness in him.
A.intrinsic
B.intentional
C.intermittent
D.intense

【答案】 D
36、It was no____that his car was seen near the bank when the robbery happened
A.coincidence
B.convention
C.certainty
D.complication

【答案】 A
37、下列历史事件时间排序正确的一组是（　　）。
A.司马迁修《史记》→文景之治→王莽篡汉
B.杯酒释兵权→岳飞抗金→王安石变法
C.齐桓公称霸→商鞅变法→秦统一天下
D.玄武门之变→黄巢起义→安史之乱

【答案】 C
38、按照消费资料的存在形式，消费可分为（ ）。
A.实物消费与服务消费
B.个人消费与社会集团消费
C.个人消费与行政机关消费
D.个人消费与事业单位消费

【答案】 A
39、在凯恩斯的几个持币动机理论中，他认为下列哪项（　　）对利率最为敏感。
A.投机动机
B.预防动机
C.交易动机
D.无私动机

【答案】 A
40、毛泽东对“实事求是”这句话作了科学解释的著作是（　　）。
A.《改造我们的学习》
B.《论联合政府》
C.《关于领导方法的若干问题》
D.《论人民民主专政》

【答案】 A
41、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.Make the costs of action feel smaller
B.Make the reward larger than the immediate pain of doing it
C.Make the benefits of action feel bigger
D.All the above

【答案】 D
42、We explicitly make allowance for the fact that production
A.confines
B.conforms
C.ceases
D.continues

【答案】 C
43、未经正式公布的法律是（ ）。
A.有效的
B.无效的
C.部分有效的
D.以上答案都不对

【答案】 B
44、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
45、下列哪项不属于商业银行依法可以开展的业务？（　　）
A.买卖政府债券、金融债券
B.承销政府债券
C.发行金融债券
D.承销公司股票

【答案】 D
46、以一定单位的本国货币为标准来计算应收多少单位外国货币的标价方式是（ ）。
A.直接标价法
B.买人标价法
C.间接标价法
D.应付标价法

【答案】 C
47、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
48、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
49、资料：The movement of consumers from public social media to private messaging has been so rapid that Business Insider reported that the combined usage of the top four messaging apps now exceeds the combined usage of the top four social media apps。Falling data prices，cheaper devices，and improved features are helping propel this growth。
A.People are tired of social media
B.App’s improved features
C.People are demanding for real communication
D.Cheaper data and devices

【答案】 A
50、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.Politicians should call on a parenting revolution
B.Government may have failed to keep families stable
C.Only rich parents can offer their children what's the best
D.Parenting advice is often inaccessible to poor families

【答案】 D
51、第一个踏上月球的人是（　　）。
A.大卫?布朗
B.加加林
C.阿姆斯特朗
D.迈克尔?安德森

【答案】 C
52、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Saudi Arabia，UAE，Venezuela
B.Qatar，Kuwait，Nigeria
C.Bahrain，Oman，Qatar
D.Iran，kuwait，Dubai

【答案】 C
53、陕西未来将进一步加强交通基础设施建设，力争实现通村公路覆盖全部自然村。关于高速公路和通村公路，以下说法中正确的是（　　）。
A.均不属于公共产品，不具备非竞争性
B.均属于公共产品，具备非排他性
C.高速公路不属于公共产品，不具备非竞争性和非排他性
D.通村公路不属于公共产品，不具备非竞争性和非排他性

【答案】 B
54、在智能手机的配置中，“ROM”指的是（　　）
A.闪存
B.运行内存
C.只读内存
D.随机存储内存

【答案】 C
55、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.In a magazine about electronic products
B.In Samsung’s stores
C.In a newspaper
D.In an advertisement

【答案】 A
56、下列属于消费信用的是（　　）。
A.赊账
B.银团投资
C.直接投资
D.出口信贷

【答案】 A
57、我国正式加入世界贸易组织的日期是（　　）。
A.2001年11月9日
B.1997年10月1日
C.2001年12月11日
D.1999年11月15日

【答案】 C
58、In a desperate move to increase their revenues to meet their sales goal,the company is planning to offer a special discount（　　）its customers.
A.by
B.to
C.with
D.upon

【答案】 B
59、 ( )要求企业应当按照交易或者事项的经济实质进行会计确认、计量和报告，不仅仅以交易或者事项的法律形式为依据。
A.实质重于形式
B.可理解性
C.重要性
D.及时性

【答案】 A
60、资料：People differ greatly in their readiness to try new products. In each product area，there are“consumption pioneers”and early adopters. Other individuals adopt new products much later. After a slow start，an increasing number of people adopt the new product.
A.Early adopters
B.Innovators
C.The early majority
D.All above

【答案】 D
61、Passage 1
A.flied away
B.still died
C.changed into a fairy
D.was more beautiful than before

【答案】 C
62、Fuel scarcities and price increases（ ）automobile designers to scale down the largest models and to develop completely new lines of small cars and trucks.
A.persuaded
B.prompted
C.imposed
D.enlightened

【答案】 B
63、银行同业拆借以( ）拆借为主。
A.6个月
B.4个月
C.隔月头寸
D.隔夜头寸

【答案】 D
64、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.Lower-income children experienced lose in math over the summer
B.Middle-class children gained in learning over the sum