2025年银行招聘之银行招聘综合知识自测提分题库加答案.docx

2025年银行招聘之银行招聘综合知识自测提分题库加精品答案

单选题（共600题）
1、Now that your plan seems to fail to work,you ought to make a（n） ____one as soon as possible.
A.alert
B.alarm
C.alter
D.alternative

【答案】 D
2、Just because I’m（ ）to him,my boss thinks he can order me around without showing me any respect.
A.redundant
B.versatile
C.trivial
D.subordinate

【答案】 D
3、中央银行降低再贴现率的结果是银行准备金（ ）。
A.增加
B.减少
C.不变
D.皆有可能

【答案】 A
4、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.arrange schedule according to the deadline
B.drive according to the deadline
C.afraid of the deadline
D.procrastination

【答案】 A
5、商业银行财务管理的核心内容是（ ）。
A.资本金管理
B.利润管理
C.财产管理
D.成本管理

【答案】 D
6、“乐以天下忧以天下，然而不王者，未之有也”与下列哪一观点是同一学派（　　）
A.刑过不避大臣，赏善不遗匹夫
B.天之道，损有余而补不足，人之道，则不然，损不足以奉有余
C.域民不以封疆之界，固国不以山溪之险，威天下以后某不利
D.其用战也胜、久则钝兵挫锐、攻城则倔、久暴师则国用不足

【答案】 C
7、投资一笔国债，5年期，平价发行，票面利率为12. 22%，单利计息，到期一次还本付息， 则该债券的到期收益率是（）。
A.9%
B.11 %
C.10%
D.12 %

【答案】 C
8、Your natural hair color begins to fade（　　）you grow older,and in time you grow grey.
A.since
B.when
C.while
D.as

【答案】 D
9、当人静止地站在斜坡式电梯上随电梯一起向上运动时（手与电梯不接触），下列表述准确的是（　　）。
A.人不受摩擦力作用
B.人所受的摩擦力方向沿电梯面向下
C.人所受的摩擦力方向沿电梯面向上
D.人所受的摩擦力方向可能沿电梯向上，也可能向下

【答案】 C
10、资料：Workforce planning helps an organization to estimate its future workforce requirements and calculate the numbers, nature and sources of potential employees who might meet that demand.
A.those who have many work experiences
B.those who are likely to quit in a year
C.those who are friendly to colleagues
D.those who are skilled as well as committed

【答案】 D
11、在银行表外业务中，下列属于金融衍生交易类业务的是（　　）。
A.备用信用证业务
B.承兑业务
C.利率期权业务
D.保函业务

【答案】 C
12、下列筹资方式中属于混合筹资方式的是（　　）。
A.认股权证筹资
B.发行可转换债券
C.吸收直接投资
D.融资租赁

【答案】 B
13、在1，2，3，……，2011中选数，若要保证选出的数字中任意两个数字的和都不能被3整除，最多可以选出（　　）个数。
A.3
B.671
C.672
D.673

【答案】 C
14、北宋新诗运动的领袖是（ ）。
A.欧阳修
B.王安石
C.梅尧臣
D.范仲淹

【答案】 A
15、____ you return after the rental counter closes for the evening, place your vehicle’s keys in the night return slot.
A.Because of
B.As a consequence
C.In the event that
D.Prior to

【答案】 C
16、关于X理论和Y理论，下列说法中正确的有（　　）。
A.只有（1）和（2）
B.只有（1）和（3）
C.只有（2）和（3）
D.三项观点都正确

【答案】 D
17、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.
A.She decided to further her education in Paris
B.serious eye problem shopped her
C.She couldn’t get admitted to medical school
D.It was difficult for her to start a practice in the United States

【答案】 B
18、Think of a dance floor, which is designed to dampen vibrations and limit the ____dancers could do to their limbs.
A.problem
B.dilemma
C.trouble
D.damage

【答案】 D
19、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
20、资料：From:prorno@
A.Instructions for entering a competition
B.chance to try a new product
C.An apology for an error
D.Thanks for completing a customer survey

【答案】 B
21、The fact worried many scientists（　　）the earth is becoming warmer and warmer.
A.what
B.which
C.that
D.though

【答案】 C
22、下面的数字中表现出一定的逻辑，170，120，82，48，（　　），你认为应该填入数列最合适的数字是？（　　）
A.38
B.36
C.28
D.26

【答案】 D
23、____of the twins has passed the examination.
A.Neither
B.Every
C.All
D.Both

【答案】 A
24、资料：From: Peter Manx [e-mail]
A.Reasonable prices
B.Useful course content
C.Flexible arrangements
D.Well qualified teachers

【答案】 A
25、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.Glenn Mulcaire may deny phone hacking as a crime
B.more journalists may be found guilty of phone hacking
C.Andy Coulson should be held innocent of the charge
D.phone hacking will be accepted on certain occasions

【答案】 B
26、 当外汇业务发生时，对有人民币外汇汇率的外币，都直接以（　）为记账单位。
A.外币
B.原币
C.外币或者原币
D.依情况而定使用何种货币

【答案】 B
27、Of interest is also the question whether, and if so, how a technology marked by many as "revolutionary" can impact on established leaning and teaching in a context which appears to be______to change.
A.hesitant
B.reluctant
C.resistant
D.persistent

【答案】 C
28、资料：Asked to name their favorite city, many Americans would select San Francisco which began as a small Spanish outpost located on a magnificent bay. The town was little more than a village serving ranchers when the United States took possession of it in 1846 during the war with Mexico.
A.deserters from sailing ships
B.Spanish ranchers
C.gold miners
D.tourists

【答案】 C
29、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.an independent journalist or reporter who sells news to websites
B.a person with an unnaturally strong interest in unpleasant things
C.a latest news item that released exclusively on the internet
D.an online link that directs people to the most heated issue

【答案】 B
30、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.Because voluntary plans are “one size can fit all”
B.Because voluntary plans are less expensive than the traditional one
C.Because voluntary plans cover everything from family vision care to pet insurance
D.Because gives employees a chance to select extras that the standard health care plan doesn't offer

【答案】 D
31、依次填入下列各句划线部分的词语，与句意最贴切的一组是（　　）。
A.贯串鬼怪国是
B.贯穿鬼怪国事
C.贯串诡怪国事
D.贯穿诡怪国是

【答案】 D
32、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
33、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
34、In terms of viewpoints and attitudes, authors may not state ______ that they are neutral, negative, positive or objective.
A.exceptionally
B.empirically
C.explicitly
D.extravagantly

【答案】 C
35、下列中央银行的行为和服务中，体现其“银行的银行”的职能的是（　　）。
A.代理国库
B.对政府提供信贷
C.集中保管商业银行现金准备
D.发行货币

【答案】 C
36、The chairman of the board（　　）on me the unpleasant job of dismissing good workers the firm can no longer afford to employ.
A.compelled
B.posed
C.pressed
D.tempted

【答案】 C
37、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
38、There is a （ ） difference in meaning between the words surroundings and environment.
A.sensible
B.subtle
C.feeble
D.humble

【答案】 B
39、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?
A.make suggestions on facing the reality and modifying expectations
B.advocate that e-government is costly and useless
C.explain why e-government is no longer popular
D.persuade governments to cut the cost

【答案】 A
40、He holds an important position in the company.（ ）,I don’t quite trust him.
A.Thus
B.Furthermore
C.Otherwise
D.Nevertheless

【答案】 D
41、小王开车上班，原计划按均速50千米/小时的速度可准时到单位，由于堵车，在行驶到2/3的路程时，他发现之前均速只有40千米/小时，如果他不想上班迟到，余下的路程他至少要达到均速（　　）千米/小时。
A.60
B.80
C.100
D.120

【答案】 B
42、 会计是一种反应和监督主体经济活动的经济管理工作，它的主要计量单位是（　　）。
A.实物
B.货币
C.价值
D.劳动

【答案】 B
43、There was a ___ rush to get everything ready for the unexpected inspection from the superiors.
A.calm
B.mad
C.frantic
D.wild

【答案】 C
44、在民事权利中，自然人的人身自由，人格尊严受法律保护。自然人享有的权利不包括（　　）。
A.名称权
B.肖像权
C.荣誉权
D.名誉权

【答案】 A
45、What this is telling us is that we need to first establish a middle class that is able to hold the government ________ .
A.account
B.accounted
C.accounting
D.accountable

【答案】 D
46、我国银行间外汇市场的调控者是（ ）。
A.国家外汇管理局
B.中国人民银行
C.中国外汇交易中心
D.证监会

【答案】 B
47、下列说法中，不属于中央银行存款准备金政策优点的是（　　）。
A.中央银行具有完全的自主权
B.对货币供应量的作用迅速
C.作用猛烈，缺乏弹性
D.对松紧信用较公平

【答案】 C
48、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.The consumption pioneers
B.How people adopt the new product
C.The five-adopter classification
D.The different phases of adopting new ideas

【答案】 C
49、 依照我国法律规定，下列财产为按份共有的是（　　）。
A.夫妻共有财产
B.家庭共有财产
C.甲、乙分别出资3万元和4万元共同购买的财产
D.共同继承的财产

【答案】 C
50、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
51、彼得·德鲁克认为：“领导者的唯一定义就是其后面的追随者。一些人是思想家，一些人是预言家，这些人都很重要，而且也急需；但是没有追随者，就不会有领导者。”这句话说明（　　）。
A.领导的实质是组织成员的追随与服从
B.领导者需要权力
C.追随者比领导者更重要
D.领导只有一个定义，其余的定义是错误的

【答案】 A
52、中国人民银行在（　　）领导下依法独立执行货币政策，履行职责，开展业务。
A.全国人民代表大会
B.全国人民代表大会常务委员会
C.中国银行保险监督管理委员会
D.国务院

【答案】 D
53、Education about consumption taxes is more likely to boost growth，______the growth effects of income and capital taxes are ambiguous。
A.if
B.when
C.while
D.for

【答案】 C
54、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.arrange them neatly
B.present clearly
C.design correctly
D.suggest properly

【答案】 B
55、对于价值较低或极易损坏的低值易耗品，应采用( ）进行摊销。
A.使用次数摊销法
B.分次摊销法
C.一次转销法
D.计划成本法

【答案】 C
56、Italy calls an emergency meeting to save the ancient city of Pompeii（　　）falling down.
A.on
B.off
C.from
D.against

【答案】 C
57、 （　）是企业流动性最强的资产。
A.货币资金
B.固定资产
C.股票
D.无形资产

【答案】 A
58、历时19年，由北宋司马光主编的多卷本编年体史书是（　　）。
A.《史记》
B.《资治通鉴》
C.《汉纪》
D.《二十四史》

【答案】 B
59、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.The immediate action of the British government
B.continuation of free labor movements from EU countries
C.An increase in the foreign talents’ wages
D.New policies that protects foreign talents’ rights

【答案】 C
60、As ___, I think business English is more practical than other courses.
A.an International Business student major
B.an International Business major
C.a International Business student major
D.an International Business major student

【答案】 D
61、中华民国成立，清王朝统治覆灭是在（ ）。
A.1911 年 12 月
B.1912 年元旦
C.1912 年 2 月
D.1912 年 3 月

【答案】 B
62、2020年4月，2020年（　　）综合所得汇算清澈在各地陆续启动，这是中国（　　）史上首次汇算清缴，纳税人在指定日期前完成汇算申报，继而缴纳补税或申请退税。
A.个税，个税
B.营业税，营业税
C.房产税，房产税
D.消费税，消费税

【答案】 A
63、Do you know where____now?
A.he lives
B.does he live
C.he lived
D.did he live

【答案】 A
64、（ ） natural resources can be of great importance, they are not necessary for an economy to be highly productive in producing goods and services for the existing societies.
A.Yet
B.But
C.After all
D.Although

【答案】 D
65、Are you going out? Yes, please lock the door when you ___ .
A.will leave
B.leave
C.have been leaving
D.will have left

【答案】 B
66、公文区别于其他类别文章的主要之处是（　　）。
A.公文形成的主体是国家机关及其他社会组织
B.公文形成的条件是行使职权和实施管理
C.公文是具有法定效用与规范格式的文件
D.公文是办理公务的重要工具之一

【答案】 C
67、资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, you'd think that demand for Rome must be higher or supply lower.
A.Price for the same flight to a nearer destination is higher
B.Prices for different destinations on the same flight are the same
C.Price for the same flight to a farther destination is higher
D.Prices for different destinations on the same flight are different

【答案】 A
68、 If you want to take photographs, you will need to apply for a____.
A.permissible
B.permission
C.permitting
D.permit

【答案】 D
69、I will never forget the day ___ I first arrived at this college.
A.in which
B.on that
C.when
D.which

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

【答案】 B
71、在保险市场上，“道德风险”是指（　　）。
A.保险公司不能区分低风险顾客和高风险顾客
B.高风险顾客有激励提供错误信号使保险公司相信他是低风险顾客
C.保险公司可能会根据种族、性别和年龄来断定哪些是高风险顾客
D.顾客在购买保险后会改变自己的行为，即他在购买保险后的行为比之前更像一个高风险的顾客

【答案】 D
72、承担支持进出口贸易融资任务的政策性银行是（　　）。
A.国家开发银行
B.中国农业发展银行
C.中国进出口银行
D.中国银行

【答案】 C
73、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
74、资料：Britain is facing a “crisis of fatherlessness” in which almost half of all chil