2025年银行招聘之银行招聘综合知识能力检测试卷B卷附答案.docx

2025年银行招聘之银行招聘综合知识能力检测试卷B卷附答案

单选题（共600题）
1、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
2、按照光的波长，从长到短排序正确的一项是（　　）。
A.红外光、紫外光、可见光
B.紫外光、可见光、红外光
C.可见光、红外光、紫外光
D.红外光、可见光、紫外光

【答案】 D
3、新中国成立后，（）是人民银行大一统银行体系中的外汇业务的工作部门，是在人民银行领导下的经过中央人民政府政务院特许的外汇专业银行。
A.中国工商锒行
B.中国银行D.中国农业银行
C.中国建设银行
D.中国农业银行

【答案】 B
4、Passage 3
A.Relieve stress
B.Nothing special
C.Bring financial impacts
D.Both A and C

【答案】 D
5、提出“师夷长技以制夷”主张的是（　　）。
A.林则徐
B.魏源
C.左宗棠
D.曾国藩

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

【答案】 B
7、在Excel提供的4类运算符中，优先级最高的是（　　）。
A.算术运算符
B.比较运算符
C.文本运算符
D.引用运算符

【答案】 D
8、下列关于负债的说法，错误的是（　　）。
A.是由企业过去的交易或者事项所形成的
B.是企业承担的现时义务
C.预期会导致经济利益流出
D.一般将负债分为短期借款与长期借款

【答案】 D
9、资料：New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the world’s derivatives center, and Houston, the largest city in Texas, is home to America’s biggest energy firms and has spawned an active cluster of energy traders and hedge funds.
A.low taxation
B.broad domestic market
C.fame for discretion
D.stable political environment

【答案】 B
10、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
11、Could I speak to（　　）is in charge of International Sales please?
A.who
B.what
C.whoever
D.whatever

【答案】 C
12、准货币是指（ ）。
A.M1
B.M2
C.M3
D.M2-M1

【答案】 D
13、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.Developers and device manufacturers are becoming more aware of security features
B.Lack of security features could result in negative consumer attitudes
C.Smartphone users are becoming more aware of security features
D.Smartphone users are becoming more aware of government surveillance

【答案】 C
14、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
15、To our surprise， she suddenly（ ）in front of us。
A.appealed
B.appeared
C.appeased
D.prepared

【答案】 B
16、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
17、如果中央银行在公开市场上大量购买政府债券，下面哪一种情况不可能发生？（　　）
A.利息率下降
B.国民收入增加
C.储蓄减少
D.以上答案都不对

【答案】 D
18、下列语句中，没有语病的一项是（　　）。
A.通过识别声音就可以判断出一个人是否感染了病毒，这听起来像是东方夜谭，但这也是事实。
B.一把椅子，加上“人体工学”四个字，就能卖三四千，甚至是八九千元，一万多元左右的超级高价也不鲜见。
C.一百多个科研单位的技术骨干云集会场，就不同领域的问题展开了热烈的讨论。
D.金医生归来后，护士们蜂拥而至，热情地在办公室里向他问候。

【答案】 A
19、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.It is a one-size-fit-all solution
B.It is not helpful to those hurt by trade and globalization
C.It should meet the different needs of affected workforce
D.It should not be talked about so often

【答案】 C
20、 汇差是根据“联行往账”科目和“联行来账”科目进行轧计，其差额在贷方为（　），反之为（　）。
A.应付汇差；应收汇差
B.实付汇差；应收汇差
C.应收汇差；实付汇差
D.应收汇差；应付汇差

【答案】 A
21、中央银行以行政命令或其他方式，从质和量两个方面对金融机构尤其是商业银行的信用活动进行控制，这种货币政策工具是（　　）。
A.消费信用控制
B.道义劝告
C.直接信用控制
D.窗口指导

【答案】 C
22、Passage 3
A.adaptation
B.application
C.motivation
D.competition

【答案】 A
23、Food seems to have been （ ） in the local markets, even if the quality left much to be desired.
A.available
B.avoidable
C.adorable
D.advisable

【答案】 A
24、In May of 1826, the fair-haired youth with the azure blue eyes （ ） for Europe to turn himself into a scholar and a linguist.
A.set about
B.set down
C.set out
D.set up

【答案】 C
25、The optimal length of a nap was an hour and a half______people could go through a complete cycle.
A.so thatA
B.even if
C.as to
D.as soon as

【答案】 A
26、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.We need to reach everyone’s potential to realize self-driving cars
B.There are still many problems to be solved in self-driving cars
C.Lyft co-founder says most of its cars will be autonomous in 5 years
D.The advantages and disadvantages of self-driving cars

【答案】 C
27、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
28、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
29、某企业对以外币结算的款项减少业务的核算，以前都按原入账时的汇率作为账面汇率，但 从本年初起，经董事会同意，改按加权平均法并已在会计报告中加以说明。对于上述会计 方法的重要变动，如企业不再作出任何调整，注册会计师应出具（ ）。
A.无保留意见审计报告
B.保留意见审计报告
C.否定意见审计报告
D.无法表示意见审计报告

【答案】 A
30、Passage 2
A.Global temperatures affect the rate of economic development
B.Rates of death from illnesses have risen due to global warming
C.Malnutrition has caused serious health problems in poor countries
D.onomic trends have to do with population and natural disasters

【答案】 B
31、When we read，we construct a mental _______ of the text in our minds，much as we do when we took at an area of land and create a mental map in our heads.
A.representation
B.imagination
C.interpretation
D.identification

【答案】 A
32、计算机的指令包括操作码和（ ）。
A.地址码
B.运算码
C.编译码
D.机器码

【答案】 A
33、The doctor hit me just below the knee to test my ___.
A.influxes
B.inflows
C.flexes
D.reflexes

【答案】 D
34、You can’t modernize____large external investments.
A.from
B.on
C.without
D.unless

【答案】 C
35、Clarkson Library will be closed for renovations from May 3 to July 15, ____ which time the collection will not be open to the public.
A.with
B.between
C.during
D.while

【答案】 C
36、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.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
37、中央银行和商业银行的货币职能分别是（　　）。
A.提供原始货币、制造派生货币
B.制造派生货币、提供原始货币
C.促进货币流通、方便货币支付
D.方便货币支付、促进货币流通

【答案】 A
38、根据管理方格理论，“乡村俱乐部”领导风格的特点是（　　）。
A.管理者既不关心任务，也不关心人
B.管理者既关心任务，也关心人
C.管理者极端关注人
D.管理者极端关注任务

【答案】 C
39、价格变动影响对总收益的影响取决于（　　）。
A.需求收入弹性
B.供给数量弹性
C.供给价格弹性
D.需求价格弹性

【答案】 D
40、Dream is a story that a person watches or even takes part in during sleep.Dream events are imaginary,but they are related to real experiences and needs in the dreamer’s life.
A.how we dream during sleep
B.what kind of benefits dreams bring to people
C.why we dream during sleep
D.what dreams are

【答案】 D
41、资料：American Airlines CEO takes blame for maintenance errors, disrupted flights
A.the usefulness of the FAA regulations for airlines
B.whether the FAA standard is being taken away
C.whether FAA is enforcing its regulations too strictly
D.the total number of flights American Airlines

【答案】 C
42、资料：Are walkers smarter than drivers?
A.Entire faces of urban areas are changing fast
B.Metropolitan areas are more pedestrian-friendly and richer
C.Educated people prefer to live in walkable places
D.Walkable places attract educated people

【答案】 B
43、 ( )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
44、资料：From:prorno@
A.By providing a code
B.By making a payment
C.By promising to write a review
D.By sending in proof of a purchase

【答案】 A
45、Our new product will be put through a number of（　　）tests before being released to the public.
A.dependent
B.founded
C.withhold
D.stringent

【答案】 D
46、It’s standard practice for a company like this one（　　）a security officer.
A.employed
B.being employed
C.to employ
D.employs

【答案】 C
47、资料：Why is Salt Bad for You?
A.hypertension and high blood pressure
B.heart disease and stroke
C.liver damage and kidney problems
D.osteoporosis and stomach cancer

【答案】 B
48、完善社会主义法治建设，要求公民应当具有的法治理念不包括（　　）。
A.民主法治
B.自由平等
C.和谐统一
D.公平正义

【答案】 C
49、宋朝著名的女词人在她的作品《醉花阴》中写道“东篱把酒黄昏后，有暗香盈袖，莫道不消魂，帘卷西风，人比黄花瘦。”请问这个女词人是（　　）。
A.朱淑真
B.李清照
C.卓文君
D.花蕊夫人

【答案】 B
50、资料：What，if anything，do we gain by clinging to our antioxidant supplements？
A.reasonable
B.untrue
C.terrible
D.fair

【答案】 B
51、大陆架，简单地说，是在靠近大陆的浅海地区，大陆向海洋的延伸部分，深度一般不超过（　　）。
A.100米
B.150米
C.200米
D.250米

【答案】 C
52、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
53、 我国现行会计制度规定，资产负债表是按（　　）所反映的经济内容设计的。
A.资产=负债+所有者权益
B.有借必有贷.借贷必相等
C.账户的平行登记
D.借贷记账法

【答案】 A
54、政府的财政收入政策通过（ ）因素对国民收人产生影响。
A.政府转移支付
B.政府购买
C.消费支出
D.出口

【答案】 C
55、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.perfect
B.more perfect
C.most perfect
D.perfectest

【答案】 A
56、It was very important（　　）all projects before the end of the fiscal year.
A.complete
B.completed
C.completing
D.to complete

【答案】 D
57、Chinese table cloth is ____for its fine quality, exquisite workmanship and compelling style.
A.distinctive
B.nominated
C.notable
D.deviated

【答案】 C
58、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
59、The boy wanted to play football in the street，but his father told him______.
A.not to
B.not
C.not to do
D.don’t

【答案】 A
60、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
61、下列语句中没有语病的一项是（　　）。
A.参加这次关于基因治疗技术论坛的各界人士在论坛期间就基因技术发展方向、应用前景、普及等众多议题为期两天发表意见并进行了深入、广泛的交流。
B.一位领导表示，今年政府将会拨出专款用来改善棚户区居民的生活条件，尽量让所有人都能住上宽敞明亮的房子。
C.这种病毒虽然传播速度慢，但极易致死，如果不研发出相关疫苗，疫情会逐渐扩散，给整个社会带来不可估量的损失。
D.在政府的号召之下，K市数千名青年志愿者深入基层学雷锋活动，帮助老人们做家务，让他们不再那么孤单，无助。

【答案】 B
62、一国关境与其国境相比（　　）。
A.关境可以小于国境
B.关境可以大于国境
C.关境可以等于国境
D.以上都对

【答案】 D
63、The smog is due（ ）invisible gases，mostly from automobile exhaust.
A.from
B.to
C.for
D.with

【答案】 B
64、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.asked him for money to pay the rent
B.gave him some money to do business
C.advise him to pay more attention to his studies
D.suggested that he work hard to get something

【答案】 D
65、不属于会计核算内容的是（ ）。
A.用盈余公积转增实收资本
B.处理本年度的亏损
C.将现金存入银行
D.制订下年度财务预算

【答案】 D
66、下列说法错误的是（　　）。
A.高性能结构材料属于新材料领域
B.航空空间技术属于高新技术领域
C.太阳能是可再生能源
D.电能是一次能源

【答案】 D
67、Should UK depositors lose money, the government would have to decide whether to____for it directly.
A.notify
B.compensate
C.overlook
D.trigger

【答案】 B
68、资料：From: Iris Wu
A.graphic designer
B.marketing director
C.An appliance technician
D.An administrative assistant

【答案】 B
69、下列国家不在世界四大文明古国之列的是（　　）。
A.古巴比伦
B.古埃及
C.雅典
D.古印度

【答案】 C
70、It's the paintings in Louvre______Da Vinci worked on for years______have become a fascination to people from all over the world.
A.where; that
B.that; when
C.that; that
D.where; when

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

【答案】 D
72、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
73、当利率下降，对消费者的影响是（　　）。
A.刺激消费，减少储蓄
B.刺激消费，刺激储蓄
C.抑制消费，抑制储蓄
D.抑制消费，刺激储蓄

【答案】 A
74、资料：The personal computer was a revolution in information technology that spawned a $50 billion hardware business, with another $30 billion in software and peripherals （eg. mouse, keyboard, printer, etc.） by 1991. During its short 15 years, the industry evolved through three successive periods. During its first 5 to 6 years, it was characterized by explosive growth and multiple, small competitors vying for a piece of the market. From 1981 to 1985, the industry became a battle for standards and retail shelf space. The third era was one of increasing fragmentation. From 1986 through 1991-1992, new manufacturers from around the world grabbed from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed.
A.Around 1981
B.Around 1986
C.Around 1976
D.Around 1992

【答案】 C
75、为了确保计算机系统运行的安全，针对用户管理，下列做法不妥当的是（ ）。
A.建立用户身份识别与验证机制，防止非法用户进入应用系统
B.用户权限的分配应遵循“最小特权”原则
C.用户密码应严格保密，并定时更新
D.为了防止重要密码丢失，把密码记录在纸质介质上

【答案】 D
76、中国革命和建设的基本立足点是（　　）。
A.艰苦奋斗
B.实事求是
C.独立自主
D.争取外援

【答案】 C
77、有一批书要翻译，如果甲单独翻译需要22天，如果是乙单独翻译需要11天。现在甲先翻译一天，乙接着翻译一天，然后甲再翻译一天……如此以后，翻译完这批书需要（　　）天。
A.16
B.15
C.17
D.14

【答案】 B
78、 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
79、The program becomes unable to serve its purpose for its present audience,let（　　）the future audience.
A.off
B.down
C.out
D.alone

【答案】 D
80、银行存款余额调节表中调节后余额不相等，说明企业或银行账面记录（ ）。
A.肯定有错误
B.肯定没有错误
C.一般有错误
D.—般没有错误

【答案】 C
81、1011BH是（　　）。
A.表示一个二进制数
B.表示一个十六进制数
C.表示一个十进制数
D.一个错误的表示

【答案】 B
82、According to our records,your membership ____ at the end of December.
A.will expire
B.expiring