2025年银行招聘之银行招聘综合知识通关考试题库带答案解析.docx

2025年银行招聘之银行招聘综合知识通关考试题库带答案解析

单选题（共600题）
1、一般均衡经济理论中，商品的供给和需求依赖于经济体中（　　）的价格。
A.所有其他商品
B.技术研发
C.单一商品
D.相关商品

【答案】 A
2、That car is my property;you ______ use it without my permission.
A.needn’t
B.might not
C.may not
D.mustn’t

【答案】 D
3、Traditionally young Asians in Britain have ______ towards medicine, law and engineering.
A.gravitated
B.gravitating
C.been gravitated
D.to gravitate

【答案】 A
4、（　　）的基本内容是：只要财产权是明确的，并且交易成本为零或很小，则无论在开始时将财产权赋予谁，市场均衡的最终结果都是有效率的。
A.帕累托定理
B.欧拉定理
C.恩格尔定理
D.科斯定理

【答案】 D
5、 （　　）是指对某项经济业务事项标明其应借应贷账户及金额的记录。
A.会计科目
B.会计账户
C.会计分录
D.复式记账

【答案】 C
6、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
7、Passage 1
A.they loved this woman deeply and they didn’t wanted her to die
B.the woman had lots of money to be shared as soon as she died
C.they wanted to know the secret of her lifetime happiness
D.they wanted to pray for her after her death

【答案】 C
8、人民法院对非诉案件的审査标准是（ ）。
A.被申请执行的具体行政行为是否违法
B.被申请执行的具体行政行为是否明显违法
C.被申请执行的具体行政行为是否会损害被执行人的合法权益
D.被申请执行的具体行政行为是否明显违法且损害被执行人的合法权益

【答案】 D
9、某服装店有T恤45件，其中短袖的有22件，翻领的有20件，既是短袖又有翻领的有12件，则既不是短袖，也不是翻领的T恤是（　　）件。
A.14
B.13
C.12
D.15

【答案】 D
10、资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
A.allowed, without
B.banned, with
C.allowed, with
D.banned, without

【答案】 A
11、如果金银的法定比价为1：20，而市场比价为1：15，按照格雷欣法则，那么这时充斥市场的将是（　　）。
A.银币
B.金币
C.银行券
D.金银混合币

【答案】 B
12、 处置短期投资实际收到的收入大于账面价值的应计人( )。
A.投资收益
B.利息收入
C.营业外收入
D.其他业务收入

【答案】 A
13、Experiments of this kind（　　）in both the U.S and Europe well before the WWII.
A.have been conducted
B.have conducted
C.had conducted
D.had been conducted

【答案】 D
14、The only decent hotel in town had hung out a “Full House” sign, so their only choice （ ） at a small inn.
A.is to put up
B.has been to put up
C.will be put up
D.was to put up

【答案】 D
15、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
16、 “长期准备金”属于银行的( )类科目。
A.资产
B.所有者权益
C.损益
D.负债

【答案】 D
17、We all convinced that the project was（　　）.
A.fertile
B.inevitable
C.inherent
D.feasible

【答案】 D
18、Over the next few years,some management positions in the company will be（　　）removed.
A.graduation
B.graduate
C.gradually
D.gradual

【答案】 C
19、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.deprives people of a good sleep
B.disturbs people's life
C.makes people always restless
D.is beneficial to people

【答案】 D
20、Passage 3
A.the tendency of cutting household waste
B.the increase of packaging recycling
C.the fact of packaging overuse
D.the rapid growth of supermarkets

【答案】 C
21、下列各项不是列夫?托尔斯泰的作品的是（　　）。
A.《战争与和平》
B.《复活》
C.《安娜?卡列尼娜》
D.《包法利夫人》

【答案】 D
22、资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
A.falling
B.pushing
C.keeping
D.changing

【答案】 A
23、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.The small companies experienced a harsh life
B.People preferred PCs of big brands
C.The big companies didn’t earn as much as they did in the past two periods
D.The companies made standards on the configuration

【答案】 C
24、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.translation
B.interpretation
C.exhibition
D.demonstration

【答案】 B
25、We should think long term and take____measures.
A.primitive
B.productive
C.permissive
D.proactive

【答案】 D
26、California wildfires are being magnified and made so much worse by the bad environmental laws which aren’t allowing massive amounts of readily available water to be properly______。
A.utilized
B.changed
C.avoided
D.converted

【答案】 A
27、资料：Even as rich countries seek to rid workplaces of subtle gender bias, in many developing ones discrimination remains overt. According to the World Bank, women are barred from certain jobs in 104 countries.（1）
A.In developing countries, the gender discrimination in work field is spreading to more countries
B.Due to work restrictions, women cannot work in some tough industries
C.Women appreciate being treated as weaker sex in some countries so as to bear children
D.Lifting restrictions on a list of dangerous jobs can help to solve the problem of inequality in work

【答案】 B
28、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
29、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.Merger of NYSE with Euronext makes it the biggest financial center in Europe
B.The excessive regulation and high taxes have affected its financial development
C.Paris has many advantages that may help in its future financial development
D.Paris offers good quality of life as well as good transport links

【答案】 A
30、下列各项中，哪一项是最能衡量股东利润最大化的指标？（　　）
A.资本利润率
B.资产利润率
C.销售利润率
D.股权分红率

【答案】 D
31、改革开放后，在我国北京设立的第一家外资银行代表处是（ ）。
A.日本输出入银行
B.花旗银行
C.汇丰银行
D.荷兰银行

【答案】 A
32、We’ve spent so much on advertisements, but the results are not____.
A.satisfied
B.satisfying
C.satisfy
D.satisfactorily

【答案】 B
33、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
34、多数鱼类背部发黑、腹部发白，其原因是（ ）。
A.长期进化形成的保护色
B.背部比腹部接受光线多，导致色素沉淀
C.背部比腹部黏膜厚，吸收光线多
D.背部鱼鳞多，吸收光线多

【答案】 A
35、以下属于资本市场金融工具的是（　　）。
A.商业票据
B.回购协议
C.股票
D.可转让定期存单

【答案】 C
36、In modern clinical practice, doctors personally assess patients in order to ______, treat, and prevent disease using clinical judgment.
A.remedy
B.diagnose
C.infect
D.judge

【答案】 B
37、They failed to pass the exam last time.I regretted（　　）.
A.to be not able to help
B.being unable to help
C.being able to helping
D.not be able to help

【答案】 B
38、 ( )是指企业在日常活动中发生的、会导致所有者权益减少的、与向所有者分配利润无关的经济利益的总流出。
A.负债
B.收入
C.费用
D.利润

【答案】 C
39、If English means endless new words，difficult grammar and sometimes strange pronunciation，you are wrong.Haven’t you noticed that you have become smarter since you started to learn a language?
A.say language is also a kind of physical labor
B.make people believe language learning helps grey matter work well
C.show the importance of using the language when you learn the language
D.prove that one needs more practice when he（she）is learning a language

【答案】 B
40、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.it is not meaningful for robots to have the appearance of human
B.people who make the appearance of robots very human-like should be blamed
C.people need to pay more attention to the development of robots’functions
D.the appearance of robots has become more and more emotional

【答案】 C
41、资料：（二）
A.the widows are pressured to lose their own names
B.the widows may be forced to leave their homes
C.the widows have misunderstood the reverse mortgage
D.the widows do not know what their long-desired things are

【答案】 B
42、假象是（　　）。
A.由主观原因造成的对事物的错误反映
B.以否定的形式表示本质的现象
C.以正面的形式表示本质的现象
D.对客观事物的一种虚幻的反映

【答案】 B
43、It is of high importance that you ___ at the airport on time.
A.arrive
B.are to arrive
C.must arrive
D.need to arrive

【答案】 A
44、 年度决算是银行在每个会计年度终了，对全年的会计资料加以归纳、整理与核实，以检查本年度的( )。
A.各项财务制度及方针政策的情况
B.银行经营情况
C.银行盈亏情况
D.银行工作进展

【答案】 A
45、巴黎圣母院》的作者是（　　）。
A.大仲马
B.小仲马
C.雨果
D.福楼拜

【答案】 C
46、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
47、某银行向一家小微企业发放一笔期限为5年、额度为100万元人民币的贷款．年利率为6%。那么，若以单利法计算，5年后该银行应得的本利总和是（　　）万元。
A.120
B.118
C.138
D.130

【答案】 D
48、用支出法核算GDP正确的公式是（　　）。
A.GDP=消费支出＋投资＋政府购买＋（出口-进口）
B.GDP=消费支出＋投资＋政府购买＋（出口-进口）＋转移支付
C.GDP=工资＋利息＋利润＋租金＋间接税和企业转移支付＋折旧
D.GDP=工资＋利息＋利润＋租金＋直接税和企业转移支付＋折旧

【答案】 A
49、金融风险的高杠杆性表现为（ ）。
A.金融机构的资产负债率低
B.金融机构的注册资本金要求高
C.金融体系的风险传染快
D.衍生金融工具以小搏大

【答案】 D
50、分子生物学的研究表明（）。
A.细胞是遗传信息的载体
B.细胞核是遗传信息的载体
C.DNA是遗传信息的载体
D.细胞壁是遗传信息的载体

【答案】 C
51、 下列不属于经济法的宏观调控制度的是（　　）。
A.财税调控制度
B.金融调控制度
C.计划调控制度
D.反垄断制度

【答案】 D
52、用支出法核算GDP正确的公式是（　　）。
A.GDP=消费支出＋投资＋政府购买＋（出口-进口）
B.GDP=消费支出＋投资＋政府购买＋（出口-进口）＋转移支付
C.GDP=工资＋利息＋利润＋租金＋间接税和企业转移支付＋折旧
D.GDP=工资＋利息＋利润＋租金＋直接税和企业转移支付＋折旧

【答案】 A
53、Passage3
A.cut it with a saw
B.use your right hand only
C.chew it well
D.all of the above

【答案】 D
54、Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
A.How rich and poor regions can share responsibility in curbing global warming
B.How human and economic losses from climate change can be reduced
C.How emissions of heat-trapping gases can be reduced on a global scale
D.How rich countries can better help poor regions reduce climate hazards

【答案】 D
55、资料：（一）
A.law courts have decided not to use fashionable words
B.it is widely accepted by all the insured
C.it enables ordinary people to understand it easily
D.the meaning of such wording has been agreed upon

【答案】 D
56、Recent decades have witnessed increased globalization of the world economy associated with economic and financial______among countries。
A.integration
B.corporation
C.harmony
D.conflict

【答案】 A
57、（　　）是指企业利用多种信息载体，与目标市场进行沟通的传播活动，包括广告、人员推销、营业推广与公共关系等。
A.产品
B.定价
C.促销
D.分销

【答案】 C
58、Players must not ____raise the ball from a hit except for a shot at goal.
A.intentionally
B.shyly
C.timidly
D.unwillingly

【答案】 A
59、Mum,would you please buy me an ipad
A.would
B.shall
C.may
D.must

【答案】 B
60、The primary purpose of the concerned group and individuals is to ________the greenhouse gases and pollutants.
A.deposit
B.decrease
C.deviation
D.deprival

【答案】 B
61、资料：As a startup founder, my daily tasks include everything from long-term strategic planning to approving team outings and company culture initiatives. Day after day, things inevitably come up that need to get handled ASAP. But I’ve also learned that if you don’t have a strategy for making time for those bigger ambitions and your truly lofty goals, they’ll simply never get done. And that means you won’t make the progress that’s really going to move your business forward.
A.increase
B.peak
C.diminish
D.disappear

【答案】 C
62、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.To create more job positions for foreign talents
B.To comfort existing foreign talents
C.To attract new talents
D.To stimulate local economy

【答案】 B
63、Action Aid also accuses British Foods ______ using its branch companies to reduce its taxes in Africa by millions of dollars.
A.in
B.of
C.for
D.to

【答案】 B
64、2019年7月22日，美国《财富》杂志公布2019年“世界500强”榜单。中国银行以1277.14亿美元营业收入排名第（　　）位，较上一年度上升两位。
A.34
B.44
C.45
D.30

【答案】 B
65、Even though medicine can take you back to health if you fall ill，______is recommended to avoid side effects.
A.moderation
B.consideration
C.reflection
D.speculation

【答案】 A
66、资料：“I wouldn’t be here today if not for the generosity of strangers,” said Michael Moritz, while announcing a major donation to Oxford University. A former Time Magazine reporter, Mr. Moritz left journalism to become one of the most successful venture capitalists in Silicon Valley. Through Sequoia Capital, the firm he joined in 1986 and has led for many years, Mr. Moritz was an early investor in Google, Yahoo, PayPal and LinkedIn. His personal fortune is estimated at well over $1 billion. Oxford University announced last Wednesday that he and his wife, the novelist Harriet Heyman, donated ￡75 million, or $115 million, to fund a new scholarship program aimed at providing financial aid to students from low-income backgrounds. Behind the headlines about the size of the gift was a family story of immigration, education and a sense of obligation that transcended generations.
A.How education can change a person’s life
B.Oxford University welcomes the generosity of strangers
C.An immigration family’s story of success
D.large amount of private donation from an Oxford graduate

【答案】 B
67、生产成本上升会使得商品供给量（ ）。
A.下降
B.上升
C.不变
D.均有可能

【答案】 A
68、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 dramat