2019-2025年银行招聘之银行招聘综合知识题库检测试卷B卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识题库检测试卷B卷附答案

单选题（共600题）
1、阅读理解
A.a humanist
B.a pantheist
C.a nuclear physicist
D.a doctor of medicine

【答案】 A
2、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
3、资料：Talk about Christmas in July. Carrie Rocha has already started her holiday shopping. “A few weeks back I picked up a $60 toy for $4, and, truth be told, I picked up a whole lot more than that,” she wrote in an email. “I spent about $80 total and got $350+ in toys.”
A.Buy as many cheap items as possible
B.Get loans from different banks
C.Publish her own books to pay off the debt
D.Get prepared for holidays as early as possible

【答案】 D
4、资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
A.Contamination of sea water
B.The inadequate food supply
C.Their lower reproductive ability
D.Unregulated commercial fishing

【答案】 D
5、减少所得税的财政政策，对利率的影响（　　），对消费的影响（　　）对投资的影响（　　），对GDP的影响（　　）。
A.上升，增加，减少，增加
B.上升，减少，减少，增加
C.下降，增加，减少，增加
D.上升，增加，减少，减少

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

【答案】 D
7、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.ways to teach students to earn money
B.how Diane Ray learns to value money
C.the push to teach personal finance in school
D.how students choose a proper financial class

【答案】 C
8、 银行会计记账的依据是( )。
A.会计凭证
B.会计科目
C.会计账户
D.会计账簿

【答案】 A
9、.对于注销的应收账款，会计部门应在（ ）中予以登记，同时进行追踪控制，以防随后收 回时被内部人员贪污。
A.备査账簿
B.销售发票
C.明细账
D.销售合同

【答案】 A
10、根据《民法典》的规定，以下属于非营利法人的是（　　）。
A.基金会
B.有独立经费的机关
C.农村集体经济组织
D.承担行政职能的法定机构

【答案】 A
11、On the next birthday,Ann（　　）married for twenty years.
A.is
B.has been
C.will be
D.will have been

【答案】 D
12、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为 2.5%。
A.YXr
B.Y/r
C.r/Y
D.YX(1 + r)

【答案】 B
13、“没有哪一次巨大的历史灾难，不是以历史的进步为补偿的。”恩格斯这句话蕴含的哲理是（　　）。
A.矛盾双方相互排斥
B.矛盾双方相互渗透
C.矛盾双方在一定条件下相互依存
D.矛盾双方在一定条件下相互转化

【答案】 D
14、 ( )是指对未来现金流量以恰当的折现率进行折现后的价值，是考虑货币时间价值因素等的一种计量属性。
A.现值
B.公允价值
C.重置成本
D.历史成本

【答案】 A
15、关于企业利润构成，下列表述不正确的是（　　）。
A.企业的利润总额由营业利润、投资收益和营业外收入三部分组成
B.营业成本=主营业务成本+其他业务成本
C.利润总额=营业利润+营业外收入-营业外支出
D.净利润=利润总额-所得税费用

【答案】 A
16、2019年是人民币国际化启动十周年。十年来，中国银行充分发挥全球化和综合化优势，深度参与全球人民币清算体系建设，助力人民币国际化发展。截至目前，中行在（　　）个国家和地区担任人民币清算行，在全球26家授权人民币清算行中占有12席，继续保持同业第一。
A.10
B.12
C.20
D.30

【答案】 B
17、资料：HS ensures there is a clear career path for any employee, from any background. Three key levels in Harrods are the sales employee, department managers and senior managers. At each level, employees can benefit from the development programs in order to build a career.
A.because he wanted to make a change of his life
B.because ge got hurt and could't dance any more
C.because he wanted to take the courses
D.none above

【答案】 B
18、按照保险对象的不同可将保险分为（　　）。
A.人身保险与财产保险
B.自愿保险与强制保险
C.保险与再保险
D.信用保险与人身保险

【答案】 A
19、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 dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.The hop flower has been used in beer-making for decades
B.Different varieties of hop flower produce different flavors of beer
C.The rise of locavore movement makes craft brewing a new trend in the United States
D.Megabrewers are losing market share because people are searching for the unpalatable taste of hop flower

【答案】 B
20、It can be well predicted that these effects might spread to societies and regions______。
A.by and large
B.at large
C.in all
D.in common

【答案】 B
21、企业进行市场定位的核心内容是（　　）。
A.设计和塑造产品特色或个性
B.明确竞争对手和竞争目标
C.不断降低产品的成本
D.弄清消费者的需求差异

【答案】 A
22、资料：October 20,2013
A.To invite the staff to an upcoming event
B.To welcome the newest staff to the company
C.To notify the employees of a yearly meeting
D.To provide information about the company’s product

【答案】 A
23、Passage 8
A.the widows were 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
24、The special deal offered by our supplier will last only for a（　　）time.
A.limited
B.minor
C.partial
D.lower

【答案】 A
25、 The professor’s new book is______reading.
A.well worthy
B.very worth
C.well worth
D.very worthy

【答案】 C
26、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 dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.The hop flower has been used in beer-making for decades
B.Different varieties of hop flower produce different flavors of beer
C.The rise of locavore movement makes craft brewing a new trend in the United States
D.Megabrewers are losing market share because people are searching for the unpalatable taste of hop flower

【答案】 B
27、 银行缴存中央银行法定存款准备金可称为( )。
A.联行往来
B.同业往来
C.辖内往来
D.金融企业往来

【答案】 D
28、投资银行最本源、最基础的业务活动不包括（ ）。
A.证券发行与承销业务
B.证券经纪与交易
C.承销业务
D.风险投资

【答案】 D
29、一代伟人毛泽东的诗句“坐地日行八万里，巡天遥看一千河”反映的哲学观点是（　　）。
A.空间的无限性
B.时间的无限性
C.运动的绝对性和静止的相对性
D.人的认识能力是不受空间限制的

【答案】 C
30、The number of the disabled Americans went up for so long that the trend of falling out of the labor force seemed like it might be______。
A.adequate
B.concrete
C.practical
D.permanent

【答案】 D
31、Your suggestion could only make things worse____.
A.if anything
B.if everything
C.if nothing
D.if something

【答案】 A
32、资料：What attracts customers? Obviously the quality of a product does, but visual images contribute a great deal. It is not only the image provided by the packaging that counts but the whole corporate identity of the company.
A.The corporate identity
B.Quality of the product
C.Packaging images
D.All of above

【答案】 D
33、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
34、资料：Faces, like fingerprints, are unique. Did you ever wonder how it possible for us to recognize people? Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child or even an animal, such as a pingeon can learm to recognize faces. We all take this ability for granted.
A.People differ from each in appearance
B.Different people may have different personalities
C.People can learn to recognize faces
D.People can describe all the features of others

【答案】 D
35、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 l'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.When you are most focused
B.When there is no discussions
C.Last at night
D.Bright and early in the morning

【答案】 A
36、最早建立存款保险制度的国家是（ ）。
A.英国
B.美国
C.法国
D.加拿大

【答案】 B
37、箱子中红黄蓝黑四种颜色的小球，数量分别是20颗、16颗、14颗和10颗，现在从箱子里一次性取出若干小球，且保证有14小球的颜色相等，则至少要取出（　　）颗。
A.53
B.50
C.49
D.52

【答案】 B
38、下面有关计算机的叙述中，正确的是（　　）。
A.计算机的主机只包括CPU
B.计算机程序必须装载到内存中才能执行
C.计算机必须具有硬盘才能工作
D.计算机键盘上字母键的排列方式是随机的

【答案】 B
39、投资银行的最核心业务之一是（ ）。
A.证券经济与交易业务
B.收购兼并业务
C.风险投资业务
D.证券发行与承销业务

【答案】 D
40、 票据贴现实付金额为( )。
A.汇票金额
B.贴现利息
C.汇票金额一贴现利息
D.以上答案均错误

【答案】 C
41、Passage 1
A.pay off all her debts
B.handle her money better
C.find a job in a bank
D.manage the family income

【答案】 B
42、总需求函数可以表示为：Y=AD（P），以下关于总需求曲线向右下方倾斜的原因，说法不正确的是（　　）。
A.当价格总水平上升时人们持有财富的实际价值升高，人们会变的非常富有，从而增加消费
B.在既定收入的前提下，价格总水平提高使个人持有的财富可以购买的消费品数量下降，从而消费减少
C.由于当价格水平上升的时候，出口会下降，进口增加，导致了净出口下滑
D.随着价格总水平提高，利息率上升，而利息率上升会使得投资减少，即价格水平提高使投资支出减少

【答案】 A
43、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在（　　）以内的中短期债券。
A.六个月
B.一年
C.两年
D.三年

【答案】 D
44、会议室里的凳子有3条腿的，也有4条腿的，都能坐。并且会议室坐满了人，一张凳子只能坐一个人。如果会议室里的凳子的条数和人的腿加起来共有39条，则3条腿的凳子有（　　）张。
A.1
B.3
C.5
D.7

【答案】 B
45、经济一体化的最终目标是（　　）。
A.关税同盟
B.共同市场
C.经济联盟
D.自由贸易区

【答案】 C
46、资料：THOMAS WILSON
A.update
B.fix
C.innovate
D.furnish

【答案】 B
47、汉代人关于《离骚》篇名的解释有（ ）。
A.离别的牢骚，离开忧愁
B.离别的忧愁，遭遇忧愁
C.离别的牢骚，遭遇忧愁
D.离别的忧愁，离开忧愁

【答案】 B
48、We need to get necessary funds so that a complete（　　）of the facility can be done.
A.renovation
B.renovate
C.renovated
D.renovates

【答案】 A
49、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
50、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market. Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.
A.team of PC insiders invented weixin for Tencent
B.team of outsiders acquired by Tencent invented Weixin
C.Tencent asked the QQ insiders team to create a product
D.Tencent copied a pioneering Israeli messaging service

【答案】 B
51、马克思列宁主义、毛泽东思想、邓小平理论和“三个代表”重要思想共同的精髄是（）。
A.从群众中来，到群众中去的群众路线
B.实事求是的思想路线
C.具体问题具体分析的方法论原则
D.革命性和实践性相统一的理论特征

【答案】 B
52、 已知某企业本年目标利润为2 000万元，产品单价为600元，变动成本率为30％，固定成本总额为600万元，则企业的保利量为（　　）。
A.61905
B.14 286
C.50000
D.54 000

【答案】 A
53、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
54、There seemed little hope that the explorer,（ ）in the tropical forest,would find his way through it.
A.to be deserted
B.having deserted
C.to have been deserted
D.having been deserted

【答案】 D
55、会议室里的凳子有3条腿的，也有4条腿的，都能坐。并且会议室坐满了人，一张凳子只能坐一个人。如果会议室里的凳子的条数和人的腿加起来共有39条，则3条腿的凳子有（　　）张。
A.1
B.3
C.5
D.7

【答案】 B
56、资料：October 20,2013
A.To invite the staff to an upcoming event
B.To welcome the newest staff to the company
C.To notify the employees of a yearly meeting
D.To provide information about the company’s product

【答案】 A
57、资料：Tencent Holdings Ltd has announced that it will fully open up its big data platform and machine learning technology in a move to build a "sharing economy" based on cloud services. Enterprises will be able to use a set of big data analysis tools developed by Tencent, helping them gain a better understanding of their clients and improve their products.
A.Tencent is offering cloud services as a separate business
B.Smaller companies fail to build their own data center
C.Cloud services slightly increased the operating costs
D.Cloud technology is widely used in every Chinese enterprise

【答案】 B
58、This nomination will take two months, after which the commission will make its____to the president.
A.recommendation
B.accommodation
C.motivation
D.promotion

【答案】 A
59、 2007年5月2日，吴某到某县郊区旅社住宿，拒不出示身份证件，与旅社工作人员争吵并强行住入该旅社。该郊区派出所以扰乱公共秩序为由，决定对吴某处以300元罚款。下列哪一说法是正确的?（　　）
A.派出所可以自己的名义作出该处罚决定
B.派出所可以当场作出该处罚决定
C.公安机关无须将此决定书副本抄送郊区旅社
D.吴某对该罚款决定不服，应当先申请复议才能提起行政诉讼

【答案】 A
60、Passage 4
A.train staff for world-famous firms
B.offer job opportunities to young adults
C.provide youth with unique experiences
D.equip the unemployed with different skills

【答案】 C
61、While food waste is a hot topic in the U.S.，it’s a particular______in low-income nations where food is sometimes a scarce resource to begin with。
A.increase
B.initiative
C.damage
D.challenge

【答案】 D
62、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
63、一个国家对进口商品，除了征收正常进口税外．还往往根据某种目的加征额外的进口税。这种加征的额外关税叫做进口附加税，其中包括（　　）。
A.差价税
B.反倾销税
C.特惠税
D.选择税

【答案】 B
64、以下关于宏观经济政策与证券市场间的关系说法错误的是（　　）。
A.汇率下降，本币升值，出口型企业证券价格就会上扬
B.货币政策的调整会直接、迅速地影响证券市场
C.财政政策的调整对证券市场具有持久但较为缓慢的影响
D.汇率政策的调整从结构上影响证券市场价格

【答案】 A
65、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
66、The unpleasant memory of the despairing shriek of the princess at the trial（ ）in my mind for days．
A.prolonged
B.insisted
C.rested
D.lingered

【答案】 D
67、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
68、以下不属于金融衍生品的是（　　）。
A.股票