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2025年银行招聘之银行招聘综合知识模考预测题库(夺冠系列).docx

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2025年银行招聘之银行招聘综合知识模考预测题库(夺冠系列) 单选题(共600题) 1、中央银行在市场中向商业银行大量卖出证券,从而减少商业银行超额存款准备金,引起货币供应量减少、市场利率上升,中央银行动用的货币政策工具是(  )。 A.公开市场业务 B.公开市场业务和存款准备金率 C.公开市场业务和利率政策 D.公开市场业务、存款准备金率和利率政策 【答案】 A 2、It is high time that the authorities(  )some inspection to this phenomenon. A.do B.did C.should do D.would do 【答案】 B 3、资料:What if you were told there was a way you may strengthen your cognitive skills and heighten your intelligence, and all you had to do was was learn to strike up basic conversations in another language? A.seem more productive in the job market B.comfortably travel to foreign countries C.get to know different cultures D.all of the above 【答案】 D 4、 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 5、The sudden heavy rain(  )our holiday plan. A.damaged B.destroyed C.sabotaged D.spoiled 【答案】 D 6、 ( )是指企业在日常活动中发生的、会导致所有者权益减少的、与向所有者分配利润无关的经济利益的总流出。 A.负债 B.收入 C.费用 D.利润 【答案】 C 7、资料:Even as rich countries seek to rid workplaces of subtle gender bias, in many developing ones discrimination remains overt. According to the World Bank, women are barred from certain jobs in 104 countries.(1) A.Vietnam’s ban is a reflection of reform responding to the gender bias in job markets B.making laws about restrictions on women’s work has led to liberalisation C.more countries have taken measures to abrogate work restrictions on women D.the ILO has led a movement to eliminate work restrictions on women 【答案】 C 8、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.Some mental ailments throughout time were caused by civil rights movement of women in 19th century B.Neurasthenia might be caused by late 20th century’s life when electricity and telegraphy came into being C.Chronic fatigue syndrome caused by Spiritual failings might be popular in Medieval times D.Other mental ailments in 18th century were attributed to the new psycho-social pressures of neo-liberal capitalism 【答案】 C 9、11,12,9,2、-9,(  ) A.-36 B.-24 C.-18 D.-10 【答案】 B 10、 下列关于公司股东出资的表述,正确的是(  )。 A.公司成立后,股东可以根据需要抽回出资 B.股东只能用货币进行出资 C.无论是有限责任公司还是股份有限公司,股东均可自由转让其出资 D.股东可以货币和非货币资产出资 【答案】 D 11、阅读下列短文,从短文后各题所给的四个选项中,选出可以填人空白处的最佳选项。 A.stated B.remarked C.said D.told 【答案】 C 12、资料:Economic performance is improving in most of the world's leading economies but is still short of a self-sustaining upswing, the Organization for Economic Cooperation and Development said on Wednesday. A.The Russia’s 2017 economic growth forecast has been revised higher B.The leading economies have achieved sustainable long-term growth C.The OECD is not optimistic about China's economic growth D.India's economic growth forecast have been upgraded 【答案】 A 13、 下列各项中,不属于账账核对内容的是(  )。 A.所有总账账户的借方发生额合计与所有总账账户的贷方发生额合计核对 B.本单元的应收账款账面余额与对方单元的应付账款账面余额之间核对 C.现金日记账和银行存款日记账的余额与其总账账户余额核对 D.会计部门有关财富物资明细账余额与保管、使用部门的财富物资明细账余额之间核对 【答案】 B 14、金融市场最基本的功能是(  )。 A.合理地分配和引导资金 B.灵活地调度和转化资金 C.有效地实施宏观调控 D.满足社会再生产过程中的投融资需求,促进资本的集中与转化 【答案】 D 15、行文关系就是机关之间公文授受关系,它是依据机关组织体系和职权范围来确定的,通常不包括(  )。 A.监督关系 B.隶属关系 C.平行关系 D.业务指导关系 【答案】 A 16、产出增加、利率不确定是财政政策和货币政策混合使用的哪种方式产生的结果?(  ) A.紧缩性财政政策和扩张性货币政策 B.扩张性财政政策和扩张性货币政策 C.紧缩性财政政策和紧缩性货币政策 D.扩张性财政政策和紧缩性货币政策 【答案】 B 17、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 18、资料:When a consumer finds that an item she or he bought is faulty or in some other way does not live up to the manufacturer's claims, the first step is to present the warranty, or any other records which might help. at the store of purchase. In most cases,this action will produce results. However, if it does not, there are various means the consumer may use to gain satisfaction A simple and common method used by many consumers is to complain directly to the store manager. In general, the “higher up” his or her complaint, the faster he or she can expect it to be settled. In such a case, it is usually settled in the consumer's favor, assuming he or she has a just claim. A.Complain again politely B.Threaten to take further measures C.Complain in a rude way D.Report it to the management of the company 【答案】 B 19、不属于商业银行经济资本管理内容的是(  )。 A.经济资本的计量 B.经济资本的分配 C.经济资本的评价 D.经济资本的测算 【答案】 D 20、以下哪种情形会使货币需求增加?(  ) A.商品和劳务供给量减少 B.银行存款利率升高 C.物价水平上升 D.货币流通速度加快 【答案】 C 21、多媒体的应用领域十分广阔,包括( )。 A.教育和培训 B.家庭娱乐、休闲 C.商业和服务行业 D.以上三项都包括 【答案】 D 22、On an annual ( ), house prices in Scotland are now only 1% lower than they were a year ago, but they are 8% down in Northern Ireland. A.plan B.object C.found D.basis 【答案】 D 23、假定当前汇率1美元兑换人民币6元,1欧元兑换人民币8元,那么1欧元兑换美元的汇率是(  )。 A.1.33 B.0.75 C.1.16 D.1.13 【答案】 A 24、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 25、Internet提供的最简便、快捷的通信服务为()。 A.文件传输(FTP) B.远程登录(Telnet) C.电子邮件(E-mail) D.万维网(WWW) 【答案】 C 26、下列关于公文分类的说法正确的是(  )。 A.《党政机关公文处理工作条例》按适用范围将公文分为17种 B.按公文的来源。可分为收文和发文两种 C.按涉及机密的程度,保密公文分为绝密件、秘密件、普通件 D.按办文时限要求,分为紧急件、加急件、平件 【答案】 B 27、2003年,银行、证券、保险——中国金融业“分业经营,分业监管”的框架最终完成,其标志是( )。 A.中国银监会的成立 B.中国人民银行的成立 C.中国证监会的成立 D.中国保监会的成立 【答案】 A 28、行为作为民事法律关系产生、变更、消灭的法律事实()。 A.不能是违法行为 B.只能是民事法律行为 C.只能是表意行为 D.既可以是合法行为,也可以是违法行为 【答案】 D 29、 如果报表上有关项目的名称或金额受到限制或需要简要补充说明时,可直接采用( )。 A.底注 B.旁注 C.底表 D.侧表 【答案】 B 30、人民代表大会制度的核心内容是(  )。 A.民主集中制 B.国家的一切权力属于人民 C.坚持中国共产党的领导 D.广泛的人民参与 【答案】 B 31、 Scientists say climate change and human activity have increasingly led to the melting of ______ pieces of Antarctic ice. A.massive B.quantitative C.surplus D.formidable 【答案】 A 32、范某以10万元从某商店购入标注为缅甸翡翠手镯一个,好友李某见后拿来欣赏,不慎将手镯打碎。经鉴定,手镯为赝品,市场价值为10元,该商店系知假卖假。下列范某请求中合法的是(  )。 A.要求该商店赔偿20万元 B.要求该商店赔偿10万元 C.要求李某赔偿10万元 D.要求李某赔偿10元 【答案】 D 33、Fossil fuels are and will be still ______ for at least the next two-three decades at relatively low costs. A.productive B.convenient C.renewable D.available 【答案】 D 34、有价证券特别是债券的票面利率随着期限的增加的提高是因为(  )。 A.长期证券流动性差,风险相对较大 B.长期证券流动性差,风险相对较小 C.长期证券流动性强,风险相对较大 D.长期证券流动性强,风险相对较小 【答案】 A 35、某企业投资了一个加工厂,建成后,每年可生产某种零件2.5万件,每件毛利润为1元。第一年的维护成本是0.1万元,以后按照每年0.1万元递增,则该厂可在第(  )年实现累计利润(毛利润-维护成本)20万的目标。 A.12 B.11 C.10 D.13 【答案】 B 36、 不属于反映企业财务状况的会计要素是(  )。 A.资产 B.收入 C.所有者权益 D.负债 【答案】 B 37、中国的文字发展历史源远流长,下列关于字体描述,说法错误的是(  )。 A.在秦始皇统一中国后,推行的统一文字为小篆 B.小篆的创制是中国第一次系统的将文字书体标准化的过程 C.李斯的《泰山刻石》是小篆刻石的代表 D.张芝是东汉著名书法家,最擅长小篆 【答案】 D 38、The smog is due( )invisible gases,mostly from automobile exhaust. A.from B.to C.for D.with 【答案】 B 39、生命化学进化四个阶段不包括( )。 A.从有机小分子物质生成无机小分子物质 B.从有机小分子物质形成有机高分子物质 C.从有机高分子物质组成多分子体系 D.从多分子体系演变为原始生命 【答案】 A 40、The fast-growing Chinese market has been a source of______opportunities for businesses。 A.considerable B.considering C.considered D.considerate 【答案】 A 41、We need to involve at least 20 people on this project,____it can’t go ahead. A.however B.even if C.due to D.otherwise 【答案】 D 42、I think I had at least a billion tests,including(  )in which they cut out a piece of muscle from my leg and looked at it under a microscope. A.that B.the one C.it D.one 【答案】 D 43、资料:New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the world’s derivatives center, and Houston, the largest city in Texas, is home to America’s biggest energy firms and has spawned an active cluster of energy traders and hedge funds. A.Merger of NYSE with Euronext makes it the biggest financial center in Europe B.The excessive regulation and high taxes have affected its financial development C.Paris has many advantages that may help in its future financial development D.Paris offers good quality of life as well as good transport links 【答案】 A 44、计算机网络中传送速率的单位bps的含义是(  )。 A.每秒字节数 B.每秒波特数 C.每秒字符数 D.每秒位数 【答案】 D 45、下列名画按创作时间排序正确的是(  )。 A.①②③④ B.②①④③ C.③④①② D.④①③② 【答案】 C 46、当某厂商以最小成本生产既定产量时,那它( )。 A.总收益为零' B.一定获得最大利润 C.一定未获得最大利姻 D.无法确定是否获得最大利润 【答案】 D 47、The words used by the speaker may stir up unfavorable reactions in the listener ______ interfere with his comprehension. A.who B.as C.which D.what 【答案】 C 48、If you have never planted anything,you will not be able to know the pleasure of watching the things you have planed(  ). A.grow B.to grow C.growing D.to be growing 【答案】 A 49、资料:Seeking to end a stalemate in negotiations over her country’s withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the country’s exit. A.To demonstrate her resolve to divorce Britain from EU B.To pave the way for dialogues and negotiations with EU on Brexit C.To comfort the sentiment of British people D.To end the division between her cabinet and the Conservative Party 【答案】 B 50、若信道的复用是以信息在一帧中的时间位置(时隙)来区分,不需要另外的信息头来标志信息的身份,则这种复用方式为(  )。 A.异步时分复用 B.频分多路复用 C.同步时分复用 D.以上均不对 【答案】 C 51、资料:It's almost considered sacrilegious today to leave work at the end of your workday or(for shamel)on a Friday and simply not check your email until you return the office during normal working hours. A.Because they never know what kind of work requests will be asked off hours B.Because they are required by the company to answer emails off hours C.Because smart phones and tables keep us connected all the time D.None of above 【答案】 A 52、资料:New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the world’s derivatives center, and Houston, the largest city in Texas, is home to America’s biggest energy firms and has spawned an active cluster of energy traders and hedge funds. A.New York is the world’s largest financial hub B.Houston is the world’s biggest center for energy trading and hedge funds C.The Europe has as many financial centers as the United States D.Different financial centers have different specialist features 【答案】 D 53、资料:Placing the right type of workers in close proximity to each other can generate up to a 15 percent increase in organizational performance,according to the study from Cornerstone On Demand,a provider of cloud-based learning and talent-management software,and researchers at Harvard Business School in Massachusetts. For businesses with 2,000 employees, this translates into an additional $1 million in profit each year,the study said. A.Cornerstone On Demand is a provider of cloud-based learning and talent-management software B.Placing the right type of workers together will generate 15% increase in performance C.Smarter seating can affect company’s performance D.A study about how a firm get additional profit 【答案】 B 54、资料:之后,经济学家Mr.U与你讨论了一些潜在的问题,请根据下列资料回答问题。 A.It is music studio B.It is an advertising agency C.It is a high-street music retailer D.It is a consulting firm 【答案】 C 55、以下属于中国金融监管的对象有( )。 A.国有商业银行 B.农村信用合作社 C.信托投资机构 D.以上均是 【答案】 D 56、在Excel提供的4类运算符中,优先级最高的是(  )。 A.算术运算符 B.比较运算符 C.文本运算符 D.引用运算符 【答案】 D 57、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 58、资料:We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list. A.Sleep and Photographic memory B.Lack of Sleep Leading to Crimes C.Sleep and Cognitive of human beings D.Lack of Sleep Producing False Memory 【答案】 D 59、水平标尺出现在word工作区的(  )。 A.左侧 B.顶部 C.右侧 D.底部 【答案】 B 60、填入括号中最恰当的词语是(  )。 A.反思干预 B.反省干预 C.反思干涉 D.反省干涉 【答案】 B 61、一项调查数据显示:有73.25%的大学教师投入时间和精力最多的项是教学;63.29%的教师常在工作一整天后,感到筋疲力尽;46.50%的教师对于某些学生,常有“孺子不可教也”之感。只有37.7%的学生每周会将16小时以上课外时间用在学习上;接近50%的学生认为课程不能激励其学习;79.4%的学生很少在课外与教师讨论课程内容。 A.大学教师的教学工作繁重而又疲惫 B.大学教师的职业专业化程度不高 C.大学教师和学生的教、学体验都很差 D.大学生与教师之间缺少学术性的沟通 【答案】 C 62、Although the great white shark has a fearsome ______,in a straight fight,it is outclassed by the killer whale. A.reputation B.imagination C.aggression D.acquisition 【答案】 A 63、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 64、央行两次降息,那么,降息对下列人员最有利的是(  )。 A.30岁,待业青年 B.小张去年毕业,是一家外企的基层员工 C.老王已于2010年退休,现赋闲在家 D.周某65岁,在银行有10万元存款 【答案】 A 65、商鞅变法的措施中对秦国建立中央集权制度影响最大的是( )。 A.废井田、开阡陌 B.废除特权 C.奖励耕战 D.建立县制 【答案】 D 66、 下列选项中,反映当天全部业务活动情况并轧平当天全部账务的重要工具是(  )。 A.科目日结单 B.日计表 C.总账 D.余额表 【答案】 B 67、为贯彻落实房住不炒的政策,各地政府纷纷出台措施,对首套房和套房的信贷政策进行差异化处理,如提高二套房的首付比例。这样的举措属于(  )。 A.间接性货币政策工具 B.一般性货币政策工具 C.选择性货币政策工具 D.直接性货币政策工具 【答案】 C 68、We'll be very careful and keep what you've told us strictly( )。 A.rigorous B.private C.confidential D.mysterious 【答案】 C 69、近年来,我国取得了举世瞩目的成就。下列被称作中国的:“新四大发明”的是:(  )。 A.蛟龙天眼墨子人工智能 B.天官支付宝网购共享单车 C.高铁网购移动支付共享单车 D.大飞机高铁悟空移动支付 【答案】 C 70、Passage 1 A.to be rich B.to have her own parents C.to have a lot of friends D.happiness 【答案】 D 71、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 72、Passage 5 A.brought about a rapid growth of industry and farming in the west B.attracted many visitors to the construction sites C.attracted laborers from Europe D.encouraged people to travel all over the country 【答案】 A 73、材料一:为进一步支持实体经济发展,优化流动性结构,降低融资成本,中国人民银行决定下调金融机构存款准备金率1个百分点,其中,2019年1月15日和1月25日分别下调0.5个百分点。同时,2019年一季度到期的中期借贷便利(MLF)不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动,有利于金融机构继续加大对小微企业、民营企业支持力度。 A.常备借贷便利 B.中期借贷便利 C.抵押补充贷款 D.中央银行贷款 【答案】 D 74、2月6日,我国自主研发建造的全球首座十万吨级深水半潜式生产储油平台(  )能源站,抵达海南陵水海域。 A.“天海一号” B.“深海一号”
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