2025年银行招聘之银行招聘综合知识题库及答案.docx

2025年银行招聘之银行招聘综合知识题库及精品答案

单选题（共600题）
1、Despite his Catholic background, Kennedy also became a strong advocate of_____rights and later, a supporter of same-sex marriage.
A.waste
B.removal
C.autonomy
D.abortion

【答案】 D
2、证券投资基金体现当事人之间的()
A.产权关系
B.债权关系
C.保证关系

【答案】 C
3、Food seems to have been （ ） in the local markets, even if the quality left much to be desired.
A.available
B.avoidable
C.adorable
D.advisable

【答案】 A
4、对于吉芬物品，其替代效应和收入效应，分别与价格成（　　）变动。
A.同向、同向
B.同向、反向
C.反向、同向
D.反向、反向

【答案】 C
5、In Western Australia，there are around 450 aircraft maintenance engineers，most of______work in the Perth metropolitan area.
A.them
B.whom
C.which
D.they

【答案】 B
6、如果100美元兑换人民币625元，则相对于中国用直接标价法表示为（　　）。
A.$100=￥625
B.￥l00=$516
C.￥625
D.$625

【答案】 A
7、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
8、 出票人在票据正面注明“不得转让”字样的，票据不得转让，其后手再背书转让的，（　）。
A.出票人对其直接后手的被背书人承担保证责任
B.出票人对其直接后手的被背书人不承担保证责任
C.出票人对其最后的后手的被背书人不承担保证责任
D.出票人对其最后的后手的被背书人承担保证责任

【答案】 B
9、 There's an______food shortage and many farmers will miss the winter cropping season.
A.enormous
B.immense
C.acute
D.urgent

【答案】 C
10、To produce accurate results, the equipment must be manufactured to very ________ specifications.
A.deep
B.wide
C.key
D.high

【答案】 D
11、通常情况下，一国的利率水平提高，会导致（ ）。
A.本币汇率上升，外币汇率上升
B.本币汇率上升，外币汇率下降
C.本币汇率下降，外币汇率上升
D.本币汇率下降，外币汇率下降

【答案】 B
12、我国刑法在时间效力方面采用的原则是（ ）。
A.从旧兼从重
B.从旧兼从轻
C.从新兼从重
D.从新兼从轻

【答案】 B
13、Similarly, he told couples to seek marital counseling____if they’re having trouble communicating.
A.on the brink
B.on the verge
C.in particular
D.ahead of time

【答案】 C
14、资料：Earlier this month, presidents Barack Obama of the US and Xi Jinping of China made an important symbolic gesture when they committed their countries, the two largest greenhouse gas emitters, to the Paris climate agreement. It was the clearest signal yet to investors worldwide that they need to think about the implications of global warming for their portfolios.
A.BlackRock is philanthropic fund that cares about climate change
B.Investors can take the opportunities brought by climate change
C.The threat brought by climate change still needs scientific evidence
D.What investors think of the climate change is very important

【答案】 B
15、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
16、 下列各项中属于效率比率的是（　　）。
A.资产负债率
B.速动比率
C.成本利润率
D.流动资产占总资产的比率

【答案】 C
17、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.Its statistics look embarrassing
B.It is invalid in terms of methodology
C.It deserves our closest attention
D.Its conclusion is purposely exaggerated

【答案】 B
18、 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
19、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
20、在下列字符中，其ASCII码值最小的一个是（　　）。
A.控制符
B.9
C.A
D.a

【答案】 A
21、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.better students’learning methods
B.prevent students going into debt
C.help students get accepted by colleges
D.make students become very wealthy

【答案】 B
22、 年度决算时，若结转科目不是同一级科目的则生成上级科目的户数和余额的调整表，根据调整表调整( )。
A.分类账
B.明细账
C.所有账户
D.总账

【答案】 D
23、银行内部管理人员根据银行所承担的风险计算的，银行需要保有的最低资本量称为（　　）。
A.实收资本
B.核心资本
C.监管资本
D.经济资本

【答案】 D
24、在单一客户授信限额管理中，商业银行对客户进行信用评级后，首要工作是确定客户的（　　）。
A.最低债务承受额
B.最高债务承受额
C.平均债务承受额
D.一般债务承受额

【答案】 B
25、下列关于期权的说法中，（　　）是不正确的。
A.期权的买方只有义务而没有权利
B.期权的卖方没有选择权
C.期权的交易对象是选择权
D.期权的买方可以放弃行使期权

【答案】 A
26、资料：Job Description
A.Hardworking but taciturn
B.Little knowledge of co-branded sponsored entertainment
C.Experience with on-air promotion production
D.With little post production experience

【答案】 C
27、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
28、 年终结账时，若有结转销户科目，则应当（　）。
A.核实该科目下部分分户账
B.注销该科目下所有的分户账
C.核实该科目下所有的分户账
D.注销该科目下部分分户账

【答案】 B
29、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21日，人民币汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格局，呈现稳中有升的态势。
A.固定汇率制
B.浮动汇率制
C.盯住汇率制
D.有管理的浮动汇率制

【答案】 C
30、下列用于判断收入分配公平程度的经济指标是（　　）。
A.赤字率
B.基尼系数
C.恩格尔系数
D.生产者物价指数

【答案】 B
31、To check the______of these results, we perform two different empirical exercises.
A.integrity
B.perfection
C.temperament
D.reliability

【答案】 D
32、A（n） ___ five years ago, Pangkor boasted sweet-singing birds. Now the jungle is being cut down.
A.just
B.mere
C.only
D.simple

【答案】 B
33、（）将引起美元对日元贬值。
A.美国的货币供给增加
B.美国的利率上升
C.日本的利率下降
D.日本从美国的进口增加

【答案】 A
34、最广义的投资银行定义是指（ ）。
A.任何经营华尔街金融业务的银行
B.指经营一部分或者全部资本市场业务的金融机构
C.投资银行是指经营资本市场某些业务的金融机构
D.在一级市场上承销证券筹集资本和在二级市场上交易证券的金融机构

【答案】 A
35、Passage 7
A.When they take decision shortcuts
B.When they help others to make decisions
C.When they have major decisions to make
D.When they have advisers to turn to

【答案】 B
36、The size of the audience, ______ we had expected, was well over one thousand.
A.whom
B.as
C.who
D.that

【答案】 B
37、No single individual can____handle this kind of responsibilities alone.
A.efficiently
B.adequately
C.necessarily
D.appropriately

【答案】 B
38、联合国大会将每年的（　　）定为“妇女和女童参与科学国际日”，今年的主题是“投资妇女和女童参与科学，促进包容性绿色增长”。
A.2月10日
B.2月11日
C.2月12日
D.2月13日

【答案】 B
39、资料：Directions : There is 1 passage in this part. The passage is followed by some questions or unfinished statements. For each of them there are four choices , You should decide on the best choice.
A.They have concerns of the security and convenience of FaceID
B.They don’ t believe iPhone X’ s FaceID can successfully unlock a phone every time
C.They have doubts of its technique to overcome variable lighting and subtle change of the user’s face
D.They are mainly worried about the smartphone’ s accuracy

【答案】 B
40、中办、国办近日印发（　　），要求合理有序引导群众就地过年。
A.《关于做好人民群众就地过年服务保障工作的通知》
B.《关于做好人民群众回家过年服务保障工作的通知》
C.《关于做好人民群众幸福过年服务保障工作的通知》
D.《关于做好人民群众安全过年服务保障工作的通知》

【答案】 A
41、目前市售的USB Flash Disk(俗称优盘)是一种（ ）。
A.输出设备
B.输人设备
C.存储设备
D.显示设备

【答案】 C
42、资料：Many people think of internal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides assurance of the dependability of the accounting data used in making decisions.
A.person is required to keep the custody of asset as well as accounting records
B.person is required to order merchandise and supplies and to receive them as well
C.person is required to handle cash and another one to maintain accounting records
D.traveling salesperson is required to present reports showing the number of calls made on customers

【答案】 C
43、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
44、平原是地球上最适宜人类居住的地貌，下列平原中，面积最大的是（　　）。
A.西西伯利亚平原
B.华北平原
C.亚马孙平原
D.东欧平原

【答案】 C
45、下列哪个选项不在世界四大文明古国之列？（ ）
A.巴比伦
B.雅典
C.埃及
D.印度

【答案】 B
46、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
47、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四大国有商业银行全部实现上市，中国金融改革开始新的一页。
A.1990 年 12 月
B.1991 年 7 月
C.1991 年 8 月
D.1991 年 12 月

【答案】 A
48、下列哪种结算工具适用于同城或异地企业单位根据购销合同先发货后延期付款的结算？（）
A.银行汇票
B.商业汇票
C.银行本票
D.支票

【答案】 B
49、For customer convenience，the manual is available______both microfilm and book forms.
A.on
B.to
C.in
D.for

【答案】 B
50、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager of the supermarket. But in either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them.
A.working in a bank
B.printing a book
C.attending a night school
D.growing beans for sale

【答案】 C
51、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
52、There’s been a lot of contention in the last couple of weeks about the future______of the company.
A.direction
B.decision
C.condition
D.orentation

【答案】 A
53、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.Discuss the advantage of technology
B.Advertising business software
C.Teach business owners how to stay competitive
D.Teach business owners how to manage emails and calendars

【答案】 C
54、 期货交易与现货交易的不同之处在于（　　）。
A.风险较小的合约
B.不需要交保证金的合约
C.实物交割率低的合约
D.交易所并不提供结算服务

【答案】 C
55、三废（废气、废水、废渣），对社会产生的效应属于（　　）。
A.消费的正外部性
B.生产的正外部性
C.生产的负外部性
D.消费的负外部性

【答案】 C
56、已知工作表中C3单元格与D4单元格的值均为0，C4单元格中为公式“=C3=D4”，则C4单元格显示的内容为（　　）。
A.C3=D4
B.TRUE
C.#N／A
D.0

【答案】 B
57、资料：Above the line promotion uses mass media such as the press,radio,television,cinema or poster sites. This type of promotion is usually paid for. Each of the possible media methods can be used to target audiences in different market segment. There are both strengths and drawbacks to these forms of media:
A.it is hard to evaluate the effectiveness of a campaign
B.the media are often expensive
C.it aims at specific audiences
D.it may have an immediate impact

【答案】 B
58、资料：Desktop Support for Private Equity Firm in Midtown
A.Supporting PC hardware
B.Installing and upgrading hardware
C.Bringing repaired PCs to customers
D.Imaging and configuring desktops and laptops

【答案】 C
59、无差率曲线为斜率不变的直线时，表示相结合的两种商品是（　　）。
A.正相关的
B.互不相关的
C.互补的
D.完全替代的

【答案】 D
60、下列关于我国的公司债说法错误的是（ ）。
A.公司债的风险与公司本身的经营状况直接相关，风险比国债要高
B.我国的公司债范围是广义上的，包括了企业债与金融债
C.我国公司债的发行和交易依据《公司法》与《证券法》有关规定
D.我国公司债发行和交易的监管机构为中国证监会

【答案】 B
61、Training and development is the most important thing about a first job because it’s the____for your career.
A.minor success
B.daily routine
C.useful tool
D.spring board

【答案】 D
62、资料：It’s easy to trace the evolution of the automobile.At most，we’re only talking about a few centuries of technological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.
A.Hominid and panin were humans ancestors 5.4 million years ago
B.Chimpanzees existed at a branch of phylogenetic tree are called “hominid”
C.Humans on phylogenetic tree analysis are supposed to be called “panin.”
D.Scientists think humans and Chimpanzees converged from a common ancestor，based on phylogenetic tree analysis

【答案】 D
63、甲出资100万、乙出资200万、丙出资400万作为股东，共同成立了丁有限责任公司。下列说法中正确的是（　　）。
A.甲以600万出资额为限对丁公司承担责任
B.乙以500万出资额为限对丁公司承担责任
C.丙以300万出资额为限对丁公司承担责任
D.丁以700万全部财产对公司债务承担责任

【答案】 D
64、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.货物和服务
B.直接投资
C.经常转移
D.收益

【答案】 B
65、 下列选项中，可以直接计入“管理费用”科目，不必通过“应交税金”科目的税金是（　　）。
A.增值税
B.个人所得税
C.营业税
D.印花税

【答案】 D
66、资料：It's so common to hear people say， “I’m stressed out，” almost as a badge of honor， as if this is a symptom only of our fast-paced modern life. But in her book， “Exhaustion： A History，”Anna Katharina Schaffner writes that the syndrome of mental exhaustion has existed almost since the beginning of human history.
A.the fast-paced modern life
B.the significant events in human history
C.increasing consumption of the energy reserves
D.less harmonious life with nature and the seasons

【答案】 C
67、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四大国有商业银行全部实现上市，中国金融改革开始新的一页。
A.2010年8月18日
B.2009年1月1日
C.2009年8月18日
D.2010年7月1日

【答案】 A
68、十进制数250转换成二进制整数是（　　）。
A.01101010
B.01101000
C.11111010
D.01100110

【答案】 C
69、She said she’s gonna____them dead with her best dress and make-up.
A.pat
B.rap
C.knock
D.kill

【答案】 C
70、 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
71、第一家跨省区设立分支机构的城市商业银行是（　　）。
A.北京银行
B.南京银行
C.上海银行
D.威海市商业银行

【答案】 C
72、资料：Are walkers smarter than drivers?
A.They put forward proposals for using public transportation rather than private cars
B.They realize their parents' dream of moving to cities
C.Their workforce leads to cities with higher GDP and educational levels
D.They contribute to cities' educational industry

【答案】 C
73、资料：之后，经济学家Mr.W谈了谈对中国的一些看法，请根据下列资料回答问题。
A.It requires you to exchange favors to get things done
B.It is the art form of bribery in the business
C.It involves money and power
D.It means connections or relationship among family members

【答案】 A
74、Educating patients about receiving surgical procedures is becoming an important issue,______it can reduce anxiety and uncertainty while helping to hasten decisions for undergoing time sensitive surgeries.
A.therefore
B.as
C.if
D.however

【答案】 B
75、科学发展观的基本要求是（　　）。
A.发展
B.以人为本
C.全面协调可持续
D.统筹兼顾

【答案】 C
76、（ ）is believing.
A.Seeing
B.Seen
C.To be seeing
D.To see

【答案】 A
77、转让票据权利的票据行为是（　　）。
A.出票
B.背书
C.承兑
D.提示

【答案】 B
78、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
79、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.H