2019-2025年银行招聘之银行招聘综合知识自我检测试卷B卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识自我检测试卷B卷附答案

单选题（共600题）
1、把本国货币与本国主要贸易伙伴国的货币确定一个固定的比价，随着一种或几种货币进行浮动的制度是（　　）。
A.固定汇率制度
B.盯住汇率制度
C.联合浮动汇率制度
D.浮动汇率制度

【答案】 B
2、教育部消息，今年上半年将启动开展（　　）专项治理行动，全面排查欺凌事件、及时消除隐患问题。
A.防范中小学生欺凌
B.集中整治校园欺凌
C.防范大学生欺凌
D.防范中小学生安全

【答案】 A
3、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Customers are forced to share their bank data
B.Banks are required to open up their entire operational system
C.Regulators should be both tough and flexible
D.Banks and third parties should be regulated with a light touch

【答案】 C
4、We have launched a campaign called Together Science Can，which brings together people from absolutely around the world to______for those things that we care about。
A.stand by
B.stand up
C.stand on
D.stand against

【答案】 B
5、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.Negative
B.Critical
C.Positive
D.Neutral

【答案】 C
6、 企业会计核算必须符合国家的统一规定，这是为了满足（　　）要求。
A.一贯性原则
B.重要性原则
C.可比性原则
D.客观性原则

【答案】 C
7、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
8、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.20
B.40
C.60
D.80

【答案】 B
9、使用“5C”系统评估顾客的信用标准时，首要考虑的因素是（　　）。
A.品质
B.能力
C.条件
D.资本

【答案】 A
10、资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer.
A.introduce the Bank of Monsell
B.analyze the products of Bank of Monsell
C.introduce certain products and services for teens
D.show the success of the Bank of Monsell

【答案】 C
11、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
12、我国现行货币统计制度将货币供应划分为三个层次，其中M2代表（　　）。
A.广义货币供应量
B.狭义货币供应量
C.流通中的现金
D.储蓄状态的货币

【答案】 A
13、Air Bus’ world-renowned hot-section engineering______the needs of industrial gas turbine customers.
A.replies
B.answers
C.frees
D.addresses

【答案】 D
14、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the degrading joints
B.the thinning of your hair
C.the good condition of your organs
D.the wrinkles around your eyes

【答案】 C
15、资料：From: Peter Manx [e-mail]
A.To sell a publication
B.To recruit a consultant
C.To request information
D.To offer a service

【答案】 D
16、资料：The soybean prices ended higher this Monday as traders expect supplies to remain tight.
A.It’s not worth noticing
B.It will rise 15 percent
C.It’s still uncertain
D.It will be razor-thin

【答案】 D
17、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.Implement security measures for smart devices and protect the security
B.Boost user education on the pitfalls of mobile security and assess whether the initiatives are working
C.Boost user education on the apps and test the security of them
D.None of above

【答案】 B
18、资料：It’s almost considered sacrilegious today to leave work at the end of your workday or（for shame！）on a Friday and simply not check your work email again until you return the office during normal working hours。
A.Bosses push employees to work by sending emails anytime
B.Employees are exhausted by the constant need to check emails
C.Companies mean to stress the workers out by sending emails
D.None of above

【答案】 B
19、It is important to know what colors look good（　　）your skin before you buy clothes.
A.for
B.upon
C.against
D.with

【答案】 C
20、He has made many studies on youth unemployment and education and the neglect of______marginalized.
A.a
B.this
C.the
D.that

【答案】 C
21、资料：Memo
A.She is the owner of a financial sevices company
B.She has published several books
C.She has experience running a business
D.She teaches management courses at a university

【答案】 C
22、分贝是用来表示声音强弱的单位，根据我国城市环境噪声标准规定，以居住、文教机关为主的区域为一类区，适用这一类区的环境噪声标准是（）。
A.白天55分贝，夜间40分贝
B.白天55分贝，夜间45分贝
C.白天60分贝，夜间50分贝
D.白天60分贝，夜间55分贝

【答案】 B
23、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.To enable robots to serve humans
B.To decrease humans fear about robots
C.To make robots more human-like
D.To equip robots with human emotions

【答案】 C
24、资料：A high-precision NASA radar instrument left a NASA airport in Southern California for Iceland on January 28 to create detailed maps of how glaciers move in the dead of winter. This will help scientists around the world better understand some of the most basic processes involved in melting glaciers, which are major contributors to rising sea levels.
A.By melting the frozen iceberg in winter
B.By observing the snow's moving directions
C.By isolating ice from water in sunlines
D.By comparing the glaciers moving speeds

【答案】 D
25、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.To share with readers the author’s unbearable life caused by cyberbullying
B.To accuse the whole society of its public humiliation which has become a culture
C.To draw people's attention to tragedies of victims due to cyberbullying
D.To complain to readers that social media has made a large amount of money out of

【答案】 C
26、陕西未来将进一步加强交通基础设施建设，力争实现通村公路覆盖全部自然村。关于高速公路和通村公路，以下说法中正确的是（　　）。
A.均不属于公共产品，不具备非竞争性
B.均属于公共产品，具备非排他性
C.高速公路不属于公共产品，不具备非竞争性和非排他性
D.通村公路不属于公共产品，不具备非竞争性和非排他性

【答案】 B
27、下列选项中，在立卷范围之列的是（　　）。
A.反映本机关工作活动.正在办理中的文件
B.反映本机关工作活动的所有文件
C.反映本机关工作活动的，具有查考利用价值的办毕文件
D.反映其他机关工作活动的办毕文件

【答案】 C
28、Large numbers of state-run preschools were expediently closed down during the 1990s economic reform and instead,a variety of for-profit private preschools sprung ______ across the country.
A.by
B.out
C.in
D.up

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

【答案】 A
30、Passage 2
A.It was challenged by some climate and risk experts
B.It aroused a lot of interest in the scientific circles
C.It was warmly received by environmentalists
D.It caused a big stir in developing countries

【答案】 A
31、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.To have a credit-builder loan
B.To acquire secured credit cards（which require a security deposit） or college student credit cards
C.To acquire a credit card
D.All of above

【答案】 D
32、资料：Stress is a common factor in life. Children experience stress from school, new social situations and simply growing up. Adults feel the stress of working, paying bills, raising kids and maintaining households. Seniors also feel stress, even though some may have retired, raised their children and paid off their homes. Certain amounts of stress are a part of life for people of all ages.
A.becomes irritable and sleepless
B.doesn’t want to go shopping anymore
C.begins to favor drinks of a new brand
D.hates socializing with others

【答案】 A
33、下列不是用于记载会议主要精神和议定事项的公文是（ ）。
A.决议
B.会议纪要
C.会议记录
D.议案

【答案】 C
34、在中央银行资产负债表中，属于负债项目的是（　　）。
A.财政部门的借款
B.中央银行发行债券
C.外汇储备
D.待收款项和固定资产

【答案】 B
35、表外业务与中间业务的最大区别在于（ ）。
A.反映的资产不同
B.反映的负债不同
C.承担的风险不同
D.获得的权益不同

【答案】 C
36、狄更斯著名的自传体小说是（　　）。
A.《双城记》
B.《远大前程》
C.《大卫?科波菲尔》
D.《艰难时世》

【答案】 C
37、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.1850
B.1852
C.1846
D.1848

【答案】 A
38、 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
39、The differences ____the difficulty of understanding what is happening to the economy at present.
A.suggest
B.understate
C.criticize
D.underline

【答案】 D
40、In 17th-century England, astronomy provided methods of keeping______of time that were especially useful for accurate navigation.
A.investigate
B.trace
C.check
D.track

【答案】 D
41、资料：Early Experiences
A.streamlined interface
B.free of redundant functionality
C.Benefit the customers
D.Satisfy all the need of the customers

【答案】 D
42、对银行机构流动性监管内容不包括（ ）。
A.流动性负债大于自有资本
B.资产负债期限匹配
C.流动性应保持在适度水平
D.银行资产变化情况

【答案】 A
43、假设某公司的权益乘数为2.02，其总资产报酬率为7.39%，销售净利率为4.53%，则其所有者权益报酬率应为（　　）。
A.14.93%
B.9.15%
C.15.25%
D.10.34%

【答案】 A
44、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor.
A.Modern Farming in the USA
B.Problems with Modern Agriculture
C.Farming of Today
D.Modernization of Agriculture

【答案】 A
45、Even if you don’t actually carry out all the actions you say you will take, honest students will appreciate knowing that you care enough about academic ______ to take precautions.
A.entirety
B.integrity
C.unity
D.reliability

【答案】 B
46、If you do what you really like,you will know how it feels to be（　　）and relaxed.
A.dispassion
B.sober
C.noiseless
D.calm

【答案】 D
47、资料：Early Experiences
A.You need to get rid of all unneeded features or functionality
B.You need to tailor to the need to mature users
C.Your own assumptions are relevant
D.You need actual users to test your products

【答案】 D
48、A银行2019年年初共有正常类贷款900亿元，在2019年年末转为关注类、次级类、可疑类、损失类的贷款金额分别为50亿元、30亿元、15亿元和5亿元，期初正常类贷款期间因回收减少了200亿元、因核销减少了300亿元，则该银行2019年的正常类贷款迁徙率为（　　）。
A.15％
B.25％
C.50％
D.100％

【答案】 B
49、商业银行经营的核心是（ ）。
A.扩大贷款规模
B.市场营销
C.增加资本金
D.提高收益

【答案】 B
50、The leaves have been swept into huge______.
A.heaps
B.pyramids
C.layers
D.loads

【答案】 A
51、1915年9月，标志着新文化运动开始的《青年》杂志是陈独秀创办于（　　）。
A.北京
B.上海
C.广州
D.东京

【答案】 B
52、Provision of medical care is classified into primary, secondary, and ______ care categories.
A.third
B.three
C.tertiary
D.the third

【答案】 C
53、丹霞地貌是指由陆相红色砂砾岩构成的具有陡峭坡面的各种地貌形态。以下景观属于丹霞地貌的是（　　）。
A.新疆克拉玛依魔鬼城
B.江西龙虎山
C.广东肇庆七星岩
D.湖南张家界

【答案】 B
54、各种唯心主义派别之间的差异和矛盾，常常有利于唯物主义的发展，这一事实说明（　　）。
A.矛盾一方克服另一方促使事物发展
B.矛盾一方的发展可以为另一方的发展提供条件
C.矛盾双方中每一方的自身矛盾可以为另一方的发展所利用
D.矛盾双方的融合促使事物发展

【答案】 C
55、资料：packing tips
A.Papers
B.Cash
C.Plastic bottle
D.Clothes

【答案】 B
56、下面是中国古典文学四大名著中的人物与情节，其中搭配不当的一项是（　　）。
A.鲁智深——倒拔垂杨柳
B.孙悟空——大闹天宫
C.诸葛亮——三顾茅庐
D.刘姥姥——进大观园

【答案】 C
57、Passage 6
A.Less Screening for More Safety
B.PreCheck–a Belated Solution
C.Getting Stuck in Security Lines
D.Underused PreCheck Lanes

【答案】 C
58、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.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
59、She can do it herself;it is（　　）easy（　　）ABC.
A.rather...than
B.more...than
C.not as much...as
D.as...as

【答案】 D
60、下列句子排序最为连贯的一项是（　　）。
A.（3）（2）（5）（6）（1）（4）
B.（3）（5）（2）（1）（4）（6）
C.（2）（5）（3）（6）（1）（4）
D.（2）（3）（1）（5）（4）（6）

【答案】 C
61、网络的（　　）称为拓扑结构。
A.接入的计算机多少
B.物理连接的构型
C.物理介质种类
D.接入的计算机距离

【答案】 B
62、在商业银行经营管理原则中，流动性、安全性与盈利性成（ ）关系。
A.反比
B.正比
C.对比
D.一致

【答案】 A
63、资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
A.India
B.Tajikistan
C.Pakistan
D.Bangladesh

【答案】 A
64、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
65、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.After summer vocation kids will lose one to three months worth of learning
B.After summer vocation kids will lose learning capability in reading
C.Summer vocation makes kids lose learning skills in math
D.Summer vocation brings kids psychological problems

【答案】 A
66、以下属于中国银行业协会的会员单位的是（ ）。
A.中国邮政储蓄银行
B.证券公司
C.金融控股公司
D.财产保险公司

【答案】 A
67、美国历史上首位华裔驻华大使是（ ）。
A.赵小兰
B.张