2025年银行招聘之银行招聘综合知识练习题(二)及答案.docx

2025年银行招聘之银行招聘综合知识练习题(二)及答案

单选题（共600题）
1、To keep up with the infrastructure ______ the profession also needs to learn how to run large projects more effectively and efficiently in order to make the entire design-engineer-operate lifecycle digital.
A.boost
B.boom
C.construction
D.prosperity

【答案】 B
2、I hope we can fly to_____moon oneday.
A.a
B.an
C.the
D./

【答案】 C
3、资料：2014 has been a landmark year for Alibaba. Just last week, the Chinese e-commerce juggernaut set a world-record selling US$9.3 Billion worth of goods in 24 hours on Singles Day. A few months back, Alibaba claimed the title of the world's biggest IPO, raising US$25 Billion on the NYSE. Things will only get bigger for Alibaba.
A.Alibaba would open chain stores after entering into Australia
B.Alibaba has established cooperation with Australia Post
C.Alibaba’s world-record of selling US$9.3 Billion worth of goods in 24 hours on Singles Day has helped its initial public offering
D.After entering into Australia, Alibaba will try to expand to the U.S

【答案】 B
4、目前我国上海和深圳证券交易所均实行（ ）的交割方式完成清算交易。
A.T - 1
B.T+0
C.T+1
D.T+2

【答案】 C
5、 通知存款中，对已办理通知手续而不支取或在通知期限内取消通知的，通知期限内（　）。
A.计息
B.计息与否不定
C.不计息
D.视情况支取利息

【答案】 C
6、属于典型的负外部性例子的是（ ）。
A.汽车尾气
B.海上灯塔
C.企业对资源的配置
D.义务教育

【答案】 A
7、中国古代哲学家荀子说：“心不在焉，则A黑在前而目不见，雷鼓在侧而耳不闻。”这句话表明人的意识具有（　　）。
A.客观性
B.能动性
C.对象性
D.任意性

【答案】 A
8、Passage 5
A.Definite
B.Dubious
C.Serious
D.Negative

【答案】 B
9、在管理方格理论中，（9，1）对应的是（　　）领导方式。
A.团队性
B.任务型
C.乡村俱乐部型
D.中庸指导型

【答案】 B
10、资料：Human resource professionals act as mediators between an organization's management and its workers. This requires wearing many hats It's an HR administrator's job to make sure that employees are working in a safe environment that disputes are settled， and that benefits are understood and administered properly. At the same time， HR is charged with recruiting new employees who will not only fit in personally and professionally but also help the company achieve its business goals. They also represent management when negotiating for benefits with companies administering these benefits and when implementing companywide policies that will ultimately lower costs or boost profits. The needs of HR cover a wide range of tasks and，therefore， require individuals who are good with people in addition to being organized， analytical， business-minded， and heroic multitaskers.
A.To specialize in a specific industry
B.To strengthen the understanding of business strategy and planning
C.To find an internship or an assistant job
D.Both A and B

【答案】 C
11、Only when humanity began to get its food in a more （ ） way was there time for other things, like sports games and entertainment activities.
A.predictive
B.provocative
C.protective
D.productive

【答案】 D
12、在银行发放贷款的情况下，货币作为价值运动的独立形式从银行单方面转移到借款人．这时货币执行的职能是（　　）。
A.价值尺度
B.支付手段
C.流通手段
D.贮藏手段

【答案】 B
13、( )年10月27日中国工商银行于上海及香港同步上市，实现了从国有独资商业银行到股份制商业银行，再到国际公众持股公司的历史任务。
A.2005
B.2006
C.2007
D.2008

【答案】 B
14、California wildfires are being magnified and made so much worse by the bad environmental laws which aren’t allowing massive amounts of readily available water to be properly______。
A.utilized
B.changed
C.avoided
D.converted

【答案】 A
15、（ ） 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
16、下列语句排序最恰当的一项是（　　）。
A.（3）（1）（4）（5）（6）（2）
B.（4）（6）（2）（3）（1）（5）
C.（3）（6）（1）（5）（2）（4）
D.（4）（1）（3）（2）（5）（6）

【答案】 A
17、一般均衡经济理论中，商品的供给和需求依赖于经济体中（　　）的价格。
A.所有其他商品
B.技术研发
C.单一商品
D.相关商品

【答案】 A
18、为满足同一设备项目的融资需要，由政府贷款与出I21贷款共同组成的贷款，称之为（　　）。
A.银团贷款
B.混合贷款
C.直接贷款
D.间接贷款

【答案】 B
19、新中国第一家全国性的股份制商业银行成立于（ ）年。
A.1980
B.1979
C.1987
D.1985

【答案】 C
20、假设某银行体系：（1)原始存款总额为100万元；（2)法定准备金额为8%;(3)现金漏损率为10%;(4)超额准备金率为2%; (5)定期存款准备金率为4%;(6)定期存款总额为20万元。 根据上述材料，回答下列问题：
A.K=1/(r+h)
B.K = 1/(r+h+e)
C.K=1/(r+ h + e+t×S)
D.K= 1/(r+h+e×t+s)

【答案】 C
21、“床前明月光，疑是地上霜。”在人们的心目中，月亮是圣洁和美丽的化身。然而，俄罗斯科学家研究认为，月球是地球上很多自然灾害的祸源。于是，科学家们呼吁，加强对月球的研究，为人类造福。科学家们的呼吁说明（　　）。
A.①③
B.②④
C.①④
D.②③

【答案】 A
22、2011年4月14日，（ ）加入金砖国家以来，该国总统首次以“金砖国家”成员国的身 份参加金砖国家集团第三次首脑会议。
A.南非
B.印度
C.俄罗斯
D.巴西

【答案】 A
23、北京时间2019年2月10日，中国选手（　　）在起跑出现了失误的情况下跑出了7秒63，夺下了美国Don Kirby邀请赛男子60米栏冠军，并创造了本赛季亚洲男子60米栏的最好成绩。
A.谢文骏
B.谢震业
C.苏炳添
D.武大靖

【答案】 A
24、Injuries from rear-end ______ were down，which could mean more than $45 million saved on accident damage per year.
A.collisions
B.combats
C.contradictions
D.conflicts

【答案】 A
25、资料：Acknowledging that so-called cloud computing will blur the distinctions between computers and networks, about two dozen big information technology companies plan to announce a new standards-setting group for computer networking. The group, to be called the Open Networking Foundation, hopes to help standardize a set of technologies pioneered at Stanford and the University of California, Berkeley, and meant to make small and large networks programmable in much the same way that individual computers are.
A.It deviates from the traditional Internet
B.It is meant to help with the storing and processing of information on computers
C.It is an initiative of Nick McKeown and his colleagues
D.It will trigger new innovations in the field of cloud computing

【答案】 C
26、有一位企业的领导者，破例地奖励了几位为企业做出很大贡献的职工，奖金超过了以往规定的最高限额。对此，下属有许多不同的反应，这件事表明（　　）。
A.不管奖金数是否合理，超越制度的规定是不应该的
B.只要不是领导者个人装腰包，奖励完全可以遵循大数原则
C.这种奖励是一种晕轮效应，为了引起轰动，违反制度也是值得的
D.如果奖励是公平的，这种处理方法符合运用权利的例外处理原则

【答案】 D
27、Passage 3
A.Needless material is mostly recycled
B.Fighting wastefulness is difficult
C.People like collecting recyclable wastes
D.The author is proud of their consumer culture

【答案】 B
28、资料：最后，大家谈论了中国在绿色经济方面做出的杰出贡献，请根据下列资料回答问题。
A.One with much wealth
B.One with high professional level
C.One with high social status
D.One with high reputation in academia

【答案】 B
29、20世纪60年代以后，在大公司生产和经营多元化的发展过程中，投资银行被确立为( )的重要对象。
A.合伙人制
B.混合公司制
C.信贷公司制
D.股份所有制

【答案】 B
30、“十三五”期间，我国森林覆盖率提高到23.04%，森林蓄积量超过175亿立方米，连续（　　）保持“双增长”，成为森林资源增长最多的国家。
A.20年
B.30年
C.15年
D.25年

【答案】 B
31、银行机构财务监管的内容不包括（ ）。
A.收入的来源与结构
B.支出的去向与结构
C.资产的来源与结构
D.收益的真实状况

【答案】 C
32、关于商业汇票贴现核算的下列表述中，不正确的是（　　）。
A.商业银行通过“贴现资产”科目核算办理相关业务
B.该科目应该按照贴现种类和贴现申请人进行明细核算
C.会计部门接到贴现凭证及商业汇票后，按照规定的贴现率计算出贴现利息并给予扣收，实付贴现金额=汇票金额-汇票天数*贴现天数*月贴现率
D.编制会计分录：借记：贴现资产——商业承兑汇票或银行承兑汇票（面值）贷记：吸收存款——贴现申请人户，贷记——贴现资产——利息调整

【答案】 C
33、Passage 3
A.In Favor of the Gap Year
B.The ABCs of the Gap Year
C.The Gap Year Comes Back
D.The Gap Year:A Dilemma

【答案】 A
34、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.By giving examples
B.By providing data
C.By raising questions
D.By making comparisons

【答案】 A
35、Chinese Internet users tend to use more proper and skillful search means for locating keywords and handling search engines than their Japanese______.
A.counterparts
B.friends
C.pioneers
D.classmates

【答案】 A
36、The rise of the____industry in Georgia was a significant historical development with a profound effect on the state's textile manufacture.
A.fabric
B.fiber
C.filming
D.fashion

【答案】 A
37、 宏观调控法的调整方法中，强行控制方法的施行主体是（　　）。
A.政府或其授权的机关
B.司法机关
C.立法机关
D.执法机关

【答案】 A
38、既有风险损失又可能有风险收益的商业银行风险是（　　）。
A.信用风险
B.投机风险
C.流动性风险
D.经营风险

【答案】 B
39、Traditionally young Asians in Britain have ______ towards medicine, law and engineering.
A.gravitated
B.gravitating
C.been gravitated
D.to gravitate

【答案】 A
40、不属于货币市场工具特点的是（　　）。
A.期限较短
B.风险较低
C.普遍存在担保
D.流动性高

【答案】 C
41、财政收支对货币供应量的最终影响，取决于（ )。
A.财政结余
B.财政收支平衡
C.财政支出
D.财政收支状况及平衡方法

【答案】 D
42、 存货采用先进先出法进行核算的企业，在物价持续上涨的情况下将会使企业（　　）。
A.期末库存成本升高.当期损益增加
B.期末库存成本降低.当期损益减少
C.期末库存成本升高。当期损益减少
D.期末库存成本降低，当期损益增加

【答案】 A
43、Students have show that travelers benefit financially ____ being able to make their own fight and hotel reservations.
A.for
B.about
C.plus
D.from

【答案】 D
44、经济成本和经济利润具有以下特征（　　）。
A.前者比会计成本小，后者比会计利润大
B.两者都比相应的会计成本和会计利润大
C.前者比会计成本大，后者比会计利润小
D.两者都比相应的会计成本和会计利润小

【答案】 C
45、使用伪造、变造的银行存单骗取公私财物的行为属于（）。
A.金融票据诈骗
B.有价证券诈骗
C.信用证诈骗
D.金融凭证诈骗

【答案】 D
46、在总线拓扑的网络中，每次可传输信号的设备数目为（　　）。
A.2个
B.3个
C.1个
D.任意个

【答案】 C
47、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sitting there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.
A.Those who periodically ask questions want to take charge of the conversation
B.If you give critical opinions, the speaker will be less confident
C.Good listeners should agree with the speaker
D.If the speaker creates a comfortable environment, listeners will become confident

【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、A lot of corn is grown in this area the soil seems to ______ it very well.
A.adopt
B.meet
C.need
D.suit

【答案】 D
50、马柯维茨的现代投资组合理论认为，只要两种资产收益率的相关系数不为（　　），分散投资于两种资产就具有降低风险的作用。
A.0
B.-1
C.1
D.2

【答案】 C
51、2013年9月7日，（ ）击败西班牙马德里和土耳其伊斯坦布尔，最终成为2020年夏 季奥林匹克运动会的举办城市。
A.巴西里约热内卢
B.美届芝加哥
C.日本东京
D.阿根廷布宜诺斯艾利斯

【答案】 C
52、Chinese table cloth is ____for its fine quality, exquisite workmanship and compelling style.
A.distinctive
B.nominated
C.notable
D.deviated

【答案】 C
53、Excel中单元格C4表示在工作表的第（　　）行，第（　　）列。
A.4，5
B.3，4
C.5，4
D.4，3

【答案】 D
54、2019年7月22日，美国《财富》杂志公布2019年“世界500强”榜单。中国银行以1277.14亿美元营业收入排名第（　　）位，较上一年度上升两位。
A.34
B.44
C.45
D.30

【答案】 B
55、资料： The poverty line is the minimum income that people need for an acceptable standard of living. People with incomes below the poverty line are considered poor. Economists study the causes of poverty in order to find solutions to the problem.
A.to give several possible solutions to the problem of poverty
B.to explain why some people in the United States are below the poverty line
C.to show sympathy for those poor people
D.to give the definition of “poverty line”

【答案】 A
56、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
57、下列关于自然失业率的说法中，错误的是（　　）。
A.经济波动会导致自然失业率的变动
B.失业津贴延长会降低自然失业率
C.就职率升高会降低自然失业率
D.自然失业率与部门转移正相关

【答案】 B
58、Indeed, some newly downgraded journalists are ______ arguing that they are capable of separating professional and personal matters.
A.indignant
B.objective
C.empirical
D.ingenious

【答案】 A
59、外汇市场的双重交易结构是指（）。
A.发行交易与流通交易
B.直接交易与经纪交易
C.发行交易与经纪交易
D.个人交易与机构交易

【答案】 B
60、______ and predictable increases in research funding will allow the United States to accomplish a great deal.
A.Detained
B.Sustained
C.Remained
D.Constrained

【答案】 B
61、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
62、下列关于宪法原则的说法哪个是正确的？（ ）
A.社会主义国家的宪法和资本主义国家的宪法都遵循国家主权、基本人权、法治和权力制 约原则，并且内容相同
B.社会主义国家的宪法和资本主义国家的宪法所遵循的基本人权原则在内容上是一致的
C.社会主义国家的宪法并未确立基本人权的原则
D.社会主义国家的宪法中权力制约主要表现为监督原则，而资本主义国家的宪法中权力制约主要表现为分权原则

【答案】 D
63、资料：Poor health is not only damaging to employees, it is detrimental to businesses." Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse." says Rubin.
A.It is helpful to the company if the employers can lay off employees with health issues
B.Company discount on gym memberships will surely improve employees’ frequency of exercise
C.Most Americans have suffered from stress-related illnesses
D.To make sure that the employees are aware of the importance of physical and mental health is essential to promote good health in a company

【答案】 D
64、完全竞争企业面临的需求曲线的需求价格弹性为（　　）。
A.大于零的常数
B.非零常数
C.无限大
D.零

【答案】 C
65、宋朝著名的女词人在她的作品《醉花阴》中写道“东篱把酒黄昏后，有暗香盈袖，莫道不消魂，帘卷西风，人比黄花瘦。”请问这个女词人是（　　）。
A.朱淑真
B.李清照
C.卓文君
D.花蕊夫人

【答案】 B
66、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
67、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
68、资料：Desktop Support for Private Equity Firm in Midtown
A.Laptop
B.Mobile phone
C.Radio
D.Printer

【答案】 C
69、 下列财务指标中，属于效率指标的是（　　）。
A.速动比率
B.资产负债率
C.营业利润率
D.已获利息倍数

【答案】 C
70、如果跨国公司将一般市场交易导致的外部经济性变成内部化，那么它就可以获得（　　）。
A.所有权优势
B.内部化优势
C.区位优势
D.垄断优势

【答案】 B
71、 ( )不属于反映企业在一定会计期间的经营成果的会计要素。
A.资产
B.收入
C.费用
D.利润

【答案】 A
72、资料：Keeping the Zeal of a Startup as You Scale
A.An insurgent company invests more in the future while an incumbent company invests more in the status quo
B.An insurgent company prefers chaos to stability
C.An insurgent company loves challenging the incumbent companies
D.An insurgent company sees changes as opportunities while an incumbent company loves stability more

【答案】 D
73、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a Uni