2019-2025年银行招聘之银行招聘综合知识真题附答案.docx

2019-2025年银行招聘之银行招聘综合知识真题精选附答案

单选题（共600题）
1、The chipmunk （金花鼠） builds its nest in either an underground burrow______.
A.in a hollow limb
B.or a hollow limb
C.builds in a hollow limb
D.by a hollow limb

【答案】 B
2、在双本位制的货币体系下，（　　）两种货币按法定比价流通，在一定程度上克服了平行本位制下混乱局面。
A.金锡
B.银铜
C.金铜
D.金银

【答案】 D
3、He spent ages ______ for a pay increase，only to resign from his job soon after he’d received it.
A.observing
B.occurring
C.negotiating
D.securing

【答案】 C
4、下列语句排序最恰当的一项是（　　）。
A.（3）（1）（4）（5）（6）（2）
B.（4）（6）（2）（3）（1）（5）
C.（3）（6）（1）（5）（2）（4）
D.（4）（1）（3）（2）（5）（6）

【答案】 A
5、某商业银行违反审慎经营规则，造成资本和资产状况恶化，严重危及稳健运行，损害存款人和其他客户合法权益。对此，银行业监督管理机构对该银行依法可采取的措施是（　　）。
A.限制分配红利和其他收入
B.限制工资总额
C.责令处罚高级管理人员
D.责令减员增效

【答案】 A
6、 我国商业银行会计信息披露新的发展趋势是（　）。
A.已逐渐从会计报表披露为主转向其他财务会计报告披露的新的发展阶段
B.已逐渐从会计报表、会计报表附注及其他财务会计报告共同披露转向会计报表披露为主的新的发展阶段
C.已逐渐从会计报表披露为主转向会计报表附注披露的新的发展阶段
D.已逐渐从会计报表披露为主转向会计报表、会计报表附注及其他财务会计报告共同披露的新的发展阶段

【答案】 D
7、下列各项，不影响企业利润表中“营业利润”的项目有（ ）。
A.主营业务收入
B.营业外收入
C.投资收益
D.资产减值损失

【答案】 B
8、Everyone in the organization has a（n）______to this kind of information.
A.access
B.right
C.try
D.look

【答案】 A
9、资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lot's take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.
A.Long term financing to help employees
B.Employee purchase programs and discount cards
C.Pay off college loans
D.Budgeting software and company matched savings plans

【答案】 A
10、 甲公司2008年度归属于普通股股东的净利润为5000万元。2008年1月1 日，甲公司发行在外普通股股票数为8500万股；2008年7月1日，新发行普通股股数1500万股。甲公司于2009年5月1 日宣告分派股票股利，以2008年12月31日总股本为基数每10股送6股。假定不考虑其他因素，甲公司2009年比较利润表中列示的2008年基本每股收益为（　　）元。
A.0.267
B.0.281
C.0.338
D.0.456

【答案】 C
11、 在下列有关账项核对中，不属于账账核对的内容是（　　）。
A.银行存款日记账余额与其总账余额的核对
B.银行存款日记余额与银行对账单余额的核对
C.总账账户借方发生额合计数与明细借方发生额合计数的核对
D.总账账户贷方发生额合计数与明细贷方发生额合计数的核对

【答案】 B
12、下列关于会计账簿管理的说法中，错误的是（ ）。
A.各种会计账簿要分工明确，指定专人管理
B.会计账簿要妥善保管，任何人不得翻阅査看、摘抄和复制
C.会计账簿一般不得携带外出
D.会计账簿不得随意交给其他人管理

【答案】 B
13、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。
A.Globalization is a business strategy that means doing everything the same everywhere
B.Globalization is a shift in traditional patterns of international production, investment, and trade
C.Globalization is interconnections between different interests of business and society
D.Globalization is the absence of borders and barriers to trade between nations

【答案】 C
14、关于产品生命周期理论的意义，以下说法不正确的是（　　）。
A.借助产品生命周期理论，可以分析判断产品处于生命周期的哪一阶段，推测产品发展的趋势
B.产品生命周期理论揭示了任何产品都和生物有机体一样，有一个从诞生－成长－巅峰的过程
C.产品生命周期引导人们通过产品生命周期，了解和掌握出口的动态变化，为制定市场战略提供理论依据
D.它还反映出当代国际竞争的特点，即创新能力，模仿能力，是活的企业生存能力和优越地位的重要因素

【答案】 B
15、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.will probably loan money bad-credit people as they still have open accounts
B.will probably loan money no-credit people as they haven’t made any financial mistakes
C.won’t risk loaning money or extending credit to no-credit person or bad-credit person
D.None of above

【答案】 C
16、Construction on a new wing at the Markunas Museum ____as soon as additional funding has been arranged.
A.has been resumed
B.to be resuming
C.was resumed
D.will resume

【答案】 D
17、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，储备资产增加3192亿元。
A.逆差385亿美元
B.顺差385亿美元
C.逆差951亿美元
D.顺差951亿美元

【答案】 B
18、资料：A man looking for art for his new home has won a $1 million Picasso painting with a $138 raffle ticket. Jeffrey Gonano told the Pittsburgh Tribune-Review he's not sure he'll ever hang the masterpiece in his home in Wexford, in western Pennsylvania, given its value. The 25-year-old Gonano, who works for his family's fire sprinkler business, learned Wednesday that his ticket had won the Paris raffle. Organizers say nearly 50,000 tickets were sold worldwide, for 100 euros apiece, to benefit a Lebanese charity.
A.The Buddhist painting in insignificant
B.The Picasso painting is extremely precious
C.She dislikes the Picasso Painting
D.She will explore more art galleries by herself

【答案】 B
19、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.How to find a good financial professional
B.The importance of retirement plans
C.The scary facts about retirement
D.How to make correct retirement plans

【答案】 D
20、根据财务管理理论，企业在生产经营活动过程中客观存在的资金运动及其所体现的经济利益关系被称为（）。
A.企业财务管理
B.企业财务活动
C.企业财务关系
D.企业财务

【答案】 D
21、国际收支平衡的基本目标一般不包括（　　）。
A.进出口平衡
B.外汇储备增加
C.防止汇率变动
D.汇率稳定

【答案】 A
22、Let's face it.Gardening fanatics like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize that fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.
A.All residents of Tampa
B.The owners of gardening stores
C.The members of the Tampa City Council
D.The judges of the competition

【答案】 A
23、—Guess,how much does it cost?
A.from
B.between
C.among
D.with

【答案】 B
24、Passage 6
A.stupid
B.polite
C.considerate
D.annoying

【答案】 D
25、票据交易价格主要取决于（ ）。
A.市场利率
B.票面利率
C.票面价值
D.到期价格

【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.At almost unprecedented moment in history, we should reach our potential to decide whether to take the right path
B.At almost unprecedented moment in history we should reach our potential to decide whether to take decisive action
C.At almost unprecedented moment history,we should reach our potential to choose the right answers to all the problems encountered by us
D.At almost unprecedented moment in history we should our potential to realize the advent of the era of self-driving cars

【答案】 D
27、通常，“瘦狗类”业务的特征是（　　）。
A.市场增长率高，相对市场占有率低。
B.市场增长率低，相对市场占有率高
C.市场增长率高，相对市场占有率高
D.市场增长率低，相对市场占有率低

【答案】 D
28、The（　　）tough training given by our company creates strong and able sales representatives who perform well above others in the same field.
A.indifferently
B.presumable
C.completely
D.unbearably

【答案】 D
29、（　　）是不可以用于异地结算的结算工具。
A.托收承付
B.本票
C.支票
D.银行卡

【答案】 B
30、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
31、国际收支平衡的基本目标一般不包括（　　）。
A.进出口平衡
B.外汇储备增加
C.防止汇率变动
D.汇率稳定

【答案】 A
32、 通知存款中，对已办理通知手续而不支取或在通知期限内取消通知的，通知期限内（　）。
A.计息
B.计息与否不定
C.不计息
D.视情况支取利息

【答案】 C
33、下列句子中语句排列最连贯的一项是（　　）。
A.（4）（5）（3）（1）（2）
B.（5）（4）（2）（1）（3）
C.（5）（3）（4）（1）（2）
D.（4）（1）（2）（3）（5）

【答案】 B
34、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.Less outdoor activities over the summer
B.More housework over the summer
C.Less money gained over the summer
D.More part-time work over the summer

【答案】 A
35、对于财产清査结果的处理，国家会计制度和单位内部会计控制制度都有规定和要求，下列各项中，未作明确规定的是（ ）。
A.分析产生差异的原因和性质，提出处理建议
B.积极处理多余积压财产，清理往来款项
C.落实经济责任，表彰先进
D.及时调整账簿记录，保证账实相符

【答案】 C
36、下列诗句中，出自杜甫笔下的是（　　）
A.出师未捷身先死，长使英雄泪满襟
B.遥知兄弟登高处，遍插茱萸少一人
C.在天愿作比翼鸟，在地愿为连理枝
D.天生我材必有用，千金散尽还复来

【答案】 A
37、资料：What，if anything，do we gain by clinging to our antioxidant supplements？
A.It is good for muscle cramps
B.It is good for macular degeneration
C.It goes well with trauma
D.It makes human body stronger

【答案】 D
38、The（　　）of climbing to the top of the corporate ladder is best defined in the new book published by Scott Thompson,one of the most successful businessmen in history.
A.challenge
B.dimension
C.introduction
D.compassion

【答案】 A
39、关于本票的说法，正确的是（　　）。
A.本票出票人资格必须由中国人民银行审定
B.本票的必须记载事项包括付款人
C.本票自出票日起，付款期限最长不超过1个月
D.本票是自付票据

【答案】 D
40、某班有50人，其中有42人会打乒乓球，40人会打篮球，38人会打排球，35人会打羽毛球，则这个班至少有多少人这四项球类都会打？（　　）
A.2
B.3
C.4
D.5

【答案】 D
41、资料：THOMAS WILSON
A.Provide support to the investment banking group VP
B.Answer telephone
C.Maintain calendars
D.Assist visitors

【答案】 D
42、For instance, a death certificate allows the person’s ______ to be distributed to heirs.
A.property
B.poverty
C.prestige
D.dignity

【答案】 A
43、 下列记账错误中，不能通过试算平衡检查发现的是（　　）。
A.某一账户的借方发生额600元，误写成6 000元
B.某一账户的借贷方向写反
C.借方的金额误记到贷方
D.误记了借方的发生额

【答案】 B
44、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
45、资料：International Federation for Scientific Research
A.By registering in advance
B.By paying in cash
C.By becoming a member
D.By participating in a survey

【答案】 A
46、国家发改委2021年1月19日表示，我国新型城镇化加快推进，城区常住人口（　　）的城市基本取消落户限制，超过1亿农业转移人口在城镇落户。
A.400万以下
B.300万以下
C.200万以下
D.100万以下

【答案】 B
47、生物的多样性没有涵盖（ ）。
A.遗传多样性
B.生物物种多样性
C.生态系统多样性
D.物质多样性

【答案】 D
48、 所有者权益是企业投资人对企业净资产的要求权，在数量上所有者权益等于（　　）。
A.全部资产扣除流动负债
B.全部资产扣除长期负债
C.全部资产加上流动负债
D.全部资产扣除全部负债

【答案】 D
49、Passage 6
A.show the good services offered in some web restaurants
B.criticize some restaurants for the poor services
C.show the Internet’s ability to collect data on you
D.prove the incredible power of the Internet to change your diet

【答案】 C
50、Passage 4
A.build up their confidence at school
B.find work experience opportunities
C.improve their social skills for the future
D.play an active role in the change of society

【答案】 D
51、由于银行的业务性质要求银行要维持存款人、贷款人和整个市场的信心．因此．银行通常将（　　）看做对其市场价值最大的威胁。
A.市场风险
B.声誉风险
C.法律风险
D.流动性风险

【答案】 B
52、PowerPoint2003的动画中，不能实现的功能为（）。
A.设置幻灯片的切换效果
B.设置同一文本框中不同段落的出现次序
C.设置对象出现的先后顺序
D.设置声音的循环播放

【答案】 B
53、For thousands of years people communicated ___ little more than words, stone tablets, and smoke signals.
A.to use
B.used
C.use
D.using

【答案】 D
54、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a United Nations report published on Thursday.
A.blocking
B.undergoing
C.supporting
D.stressing

【答案】 C
55、 会计核算和监督的内容是特定主体的（　　）。
A.经济资源
B.资金运动
C.实物运动
D.经济活动

【答案】 B
56、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
57、 鉴于总账及其所属明细账相互关系，在进行账簿登记时应采用（　　）。
A.复式记账法
B.借贷记账法
C.平行登记法
D.加权平均法

【答案】 C
58、下列叙述正确的是（)
A.字长为16位表示这台计算机最大能计算一个16位的十进制数
B.字长为16位表示这台计算机的CPU —次能处理16位二进制数
C.运算器只能进行算术运算
D.SRAM的集成度高于DRAM

【答案】 B
59、资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than did their parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.
A.Faith
B.Complaint
C.Account
D.Reputation

【答案】 D
60、资料：International Federation for Scientific Research
A.To invite a researcher to speak at a convention
B.To recommend an academic article
C.To encourage a member to attend a conference
D.To ask a scientist to post research data to a Web site

【答案】 C
61、下列属于可再生资源的是（ ）。
A.波浪能
B.煤炭
C.石油
D.天然气

【答案】 A
62、She was able to get the government and ______ companies to help patients with the cost of their care.
A.assurance
B.assumption
C.sanction
D.insurance

【答案】 D
63、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
64、Internet中使用最广泛的协议是（　　）。
A.SMTP协议
B.SDH／SONET协议
C.OSl／RM协议
D.TCP／IP协议

【答案】 D
65、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.more than
B.less than
C.the same as
D.not comparable with

【答案】 C
66、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.trying to help the dreamer recall his earlier dreams
B.studying the benefits of dreams
C.help the person understand himself better
D.trying to make the sleeper dream logically

【答案】 C
67、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
68、金融自由化与金融监管的关系是（　　）。
A.金融自由化就不应再有金融监管
B.金融自由化与金融监管完全没有矛盾
C.要加强金融监管，就不能有金融自由化
D.金融自由化并不否认金融监管

【答案】 D
69、我国习惯上将年息、月息、日息都以“厘”作单位，但实际含义却不同，若年息8厘，月息 6厘，日息3厘，则分别是指（ )
A.年利率为8%，月利率为6%，日利率为
B.年利率为8%，月利率为6%，日利率为3‰
C.年利率为8%。，月利率为6‰，日利率为3‰
D.年利率为8%，月利率为3‰，日利率为0. 33‰

【答案】 D
70、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
71、资料：What，if anything，do we gain by clinging to