2019-2025年银行招聘之银行招聘综合知识题库检测试卷A卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识题库检测试卷A卷附答案单选题（共600题）1、“Is there（）here?”A.anybodyB.everybodyC.somebodyD.nobody【答案】 B2、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】 B3、2020年1月5日，庚子年特种邮票首发仪式在（）举行，2020年是庚子鼠年，也是中国邮政发行生肖邮票（）周年，此次生肖邮票加入了邮票数字化内容。A.北京；30B.上海；40C.上海；30D.北京；40【答案】 D4、资料：To：Sherry LintonA.A memoB.A minutesC.An announcementD.A notice【答案】 D5、Dream is a story that a person watches or even takes part in during sleep.Dream events are imaginary,but they are related to real experiences and needs in the dreamers life.A.Dream is a confusing story which involves little logic thoughtB.Dream involves events that always happen in real lifeC.Dream is related to the dreamers real lifeD.Dream is an imaginary story which seems real while taking place【答案】 B6、关于奥肯定律，下列说法正确的是（）。A.奥肯定律是由英国经济学家奥肯提出来的B.奥肯定律衡量的是物价变动率和失业率之间的相关关系C.当实际GDP增长相对于潜在GDP增长上升1%，失业率下降大约1%D.当实际GDP增长相对于潜在GDP增长上升2%，失业率下降大约1%【答案】 D7、2021年春节期间，全国收费公路将继续免收小型客车通行费，具体免费时段从（）。A.2月10日0时至17日24时B.2月11日0时至17日24时C.2月11日0时至18日24时D.2月9日0时至17日24时【答案】 B8、国际分工产生与发展的基础是（）。A.自然条件B.人口规模C.资本的国际化D.国家的出现【答案】 A9、资料：Star Airways, Mumbais dominant airline for the past five years, has reported it is planning to replace its entire aircraft fleet with European-produced Skystream jets. Starting with an initial purchase of 90 jets, Star Airways expects the changeover to take a decade to complete. The new planes will enable the airline to expand its international routes as well as provide replacements for its aging fleet of jet planes. Star Airways and Skystream, in a joint announcement at the Brussels Air Show on Thursday, said that the order included seventeen of the new AWB85O aircraft. This will make Star Airways the first Indian carrier to fly the AWB850, an aim it has had since the powerful jets were first produced.A.Seventeen yearsB.Ten yearsC.Five yearsD.Three years【答案】 B10、Luckily,the bullet narrow missed the captain（）an inch.A.byB.atC.toD.from【答案】 A11、（）基金，股份相对固定，一般不向投资者增发新股或赎回旧股。A.开放型B.契约型C.公司型D.封闭型【答案】 D12、下列哪项权利属于公民基本权利中的政治权利和自由？（ )A.言论自由B.宗教信仰自由C.批评建议权D.平等权【答案】 A13、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+tS)D.K= 1/(r+h+et+s)【答案】 C14、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.分期付息到期还本债券B.到期一次还本付息债券C.分期还本到期一次付息债券D.分期付息债券【答案】 A15、资料：With 55% of consumers customer service interactions starting online and 63% of adults using their smartphone several times a month to seek customer service， your mobile customer service tactics are more important than ever.A.ExpectantB.Letting the customers to doC.Used toD.Paying customs duties【答案】 C16、 生产者的法定免责事由不包括（）。A.未将产品投入流通的B.产品投入流通时，引起损害的缺陷尚不存在的C.将产品投入流通时，当时的科技水平尚不能发现缺陷存在的D.产品投入流通时，虽明知有缺陷，但无法避免的【答案】 D17、资料：MemoA.At Wayland BooksB.At Greenhouse PublishingC.At Senyth PublishersD.At Brownback Guides【答案】 B18、 ( )就是取得或制造某项财产物资时所实际支付的现金或者其他等价物。A.历史成本B.公允价值C.可变现净值D.现值【答案】 A19、（）与资产业务、负债业务一起构成商业银行的三大业务。A.中间业务B.现金业务C.证券投资业务D.贷款业务【答案】 A20、_ the brains working is a tremendous challenge and, judging by the advance of current processor power and complexity, will take at least several decades more to reach even the most elementary levels.A.IncreasingB.ImitatingC.ObservingD.Speculating【答案】 B21、资料：Dream is a story that a person watches or even takes part in during sleep. Dream events are imaginary, but they are related to real experiences and needs in the dreamers life. They seem real while they are takingplace. Some dreams are pleasant, others are annoying, and still others are frightening. Everyone dreams, but some persons never recall dreaming. Others remember only a little about a dream they had just before awakening and nothing about earlier dreams. No one recalls all his dreams.A.Dream involves events that always happen in real lifeB.Dream is an imaginary story which seems real while taking placeC.Dream is related to the dreamers real lifeDDream is a confusing story which involves little logic thought【答案】 A22、 He appreciated _ the chance to deliver his thesis in the annual symposium on Comparative Literature.A.to have been givenB.to have givenC.having givenD.having been given【答案】 D23、Life magazine chose Oprah_the wife of the president as “Americas Most Powerful woman”.A.aboveB.overC.beyondD.beside【答案】 B24、计算机病毒是指（）。A.带细菌的磁盘B.已损坏的磁盘C.具有破坏性的特制程序D.被破坏的程序【答案】 C25、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 banks president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.A.The project will only improve road in Tajikistan by three miles but it will do great helpB.Local people welcome the projectsC.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutionsD.The project in Bangladesh is also financed with other institutions【答案】 D26、夏天干旱，甲、乙两家请人来挖井，阴天时，甲家挖井需要8天，乙家需要10天，晴天时，甲家工作效率下降40%，乙家工作效率下降20%，两家同时开工并同时挖好井，问甲家挖了几个晴天？（）A.2天B.8天C.10天D.12天【答案】 C27、资料：Early ExperiencesA.streamlined interfaceB.free of redundant functionalityC.Benefit the customersD.Satisfy all the need of the customers【答案】 D28、已知某种商品的市场需求函数为D=30-P，市场供给函数为S=3P-10，如果对该厂商实行减税，则减税后的市场均衡价格（）。A.等于10B.小于10C.大于10D.小于或等于10【答案】 B29、资料：Some companies are more creative in their use of history than others. HSBCs History Wall, a striking art installation at the banks London headquarters, is made up of 3,743 images drawn from the banks archives and arranged in chronological order.A.The bank has greater power than other banksB.The bank contributes a lot to the development of LondonC.The bank uses its history more creativelyD.The bank has a different business model than other firms答案】 C30、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. Whats more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.A.US market alone amounted to $291 billion last yearB.GBTA stands for travelers interestC.US used to be largest single market in the industryD.Global business travel is stagnant【答案】 C31、填入括号中最恰当的词语是（）。A.演习多少B.演练多少C.演习稍微D.演练稍微【答案】 D32、 下列提法中，表述正确的是（）。A.政府审计是独立性最强的一种审计B.财务报表的合法性是报表使用者最为关心的C.注册会计师审计意见旨在提高财务报表的可信赖程度D.内部审计是注册会计师审计的基础【答案】 C33、Dorothy was always speaking highly of her role in the play,_，of course,madethe others unhappy.A.whoB.whichC.thisD.what【答案】 B34、Each man and woman must sign _ full names before entering the examination room.A.hisB.herC.theirD.ones【答案】 C35、目前，我国金融债券的发行主体是（ ）。A.财政部B.中国人民银行C.商业银行D.政策性银行【答案】 D36、Weve spent so much on advertisements, but the results are not_.A.satisfiedB.satisfyingC.satisfyD.satisfactorily【答案】 B37、The cleaner has just left,leaving an aerosols delightful aroma floating in the air.You _ deeply,enjoying the sweet fragrance.A.exertB.inhaleC.exhaleD.inert【答案】 B38、关于商业银行理财业务的特点，下列表述不正确的是（）。A.银行是理财业务风险的主要承担者B.银行理财业务是“轻资本”业务C.理财业务是一项金融知识技术密集型业务D.商业银行理财业务运作的不是银行自有资金，而是客户委托资金【答案】 A39、资料：The personal computer was a revolution in information technology that spawned a $50 billion hardware business, with another $30 billion in software and peripherals （eg. mouse, keyboard, printer, etc.） by 1991. During its short 15 years, the industry evolved through three successive periods. During its first 5 to 6 years, it was characterized by explosive growth and multiple, small competitors vying for a piece of the market. From 1981 to 1985, the industry became a battle for standards and retail shelf space. The third era was one of increasing fragmentation. From 1986 through 1991-1992, new manufacturers from around the world grabbed from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed.A.The small companies experienced a harsh lifeB.People preferred PCs of big brandsC.The big companies didnt earn as much as they did in the past two periodsD.The companies made standards on the configuration【答案】 C40、Consequently，a sustainable business model can_companies to better adapt to complex environments and achieve sustainable competitive advantages。A.renderB.enableC.causeD.ensure【答案】 B41、资料：Did your childs 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, theyve lost one to three months worth of learning.A.Lower-income children experienced lose in math over the summerB.Middle-class children gained in learning over the summerC.Lower-income children gained in math over the summerD.Middle-class children suffered lose in math over the summer【答案】 B42、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers dont necessarily fall into the category of “toxic,”but theyre just kind of a drag with their cynical, pessimistic worldview.If you re dealing with a negative employee,here are 3 steps to take.A.Help solve the workplace disputes for the negative employeeB.Put the negative employee in a suitable working positionC.Have the negative employees colleagues to avoid arguments with him/herD.Support the negative employee to go through challengses outside the office【答案】 C43、总分类账与明细分类账平行登记四要点中的“依据相同”是指（ ）。A.总分类账要根据明细分类账进行登记B.明细分类账要根据总分类账进行登记C.根据同一会计凭证进行登记D.由同一人员进行登记【答案】 C44、根据巴塞尔协议的规定，以下属于商业银行核心资本的是（ )。A.中期优先股B.损失准备C.附属机构的少数股东权益D.可转换债券【答案】 C45、资料：Desktop Support for Private Equity Firm in MidtownA.Supporting PC hardwareB.Installing and upgrading hardwareC.Bringing repaired PCs to customersD.Imaging and configuring desktops and laptops【答案】 C46、某银行的核心资本为100亿元人民币，附属资本为50亿元人民币，风险加权资产为1500亿元人民币，则其资本充足率为（）。A.10.0B.8.0C.67D.3.3【答案】 A47、下列有关国内生产总值的表述，正确的是（ ）。A.B.C.D.【答案】 B48、商业银行新的业务运营模式的核心是（ ）。A.督导责任制B.设综合窗口C.前后台分离D.全方位立体化【答案】 C49、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.The growing national economyB.The tax collections from the non-poor classesC.More choices of selectable job vacanciesD.Goverrnments investments on the poor to improve their working skills【答案】 B50、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.A.a business history bookB.a textbook about advertisementC.a business report websiteD.an introduction of a novel【答案】 C51、德鲁克认为，建立管理结构时必须满足三个条件。下列不属于他所说的条件的是（）。A.管理结构在组织上必须以绩效为目标B.组织结构必须尽可能包含最少的管理层级C.组织结构必须能培育和检验未来的高层管理者，设计最便捷的指挥链D.组织结构必须考虑环境因素的影响【答案】 D52、资料：Britain is facing a “crisis of fatherlessness” in which almost half of all children born today will not be living with both parents by the time they are 15, the new chief executive of the thinktank founded by Iain Duncan Smith has warned.A.preferential policies for the poorer childrenB.more comprehensive research into its causesC.headteachers good at inspiring talented childrenD.solutions to the conflict in the education sector【答案】 C53、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】 C54、通常我们讲的国际间的货币可兑换指的是（）。A.经常项目可兑换B.资本项目可兑换C.金融项目可兑换D.平衡账户可兑换【答案】 A55、The left wing party wants to keep these two actions _.A.combinationB.combiningC.combinedD.combine【答案】 C56、资料：Italys next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive 250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over 185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）A.uneasyB.awkwardC.furiousD.indifferent【答案】 A57、For thousands of years people communicated _ little more than words, stone tablets, and smoke signals.A.to useB.usedC.useD.using【答案】 D58、An in-depth understanding of this emerging phenomenon requires not just the consideration of quantitative studies, but the_of selected quantitative, qualitative and mixed-method study designs.A.collectB.poolingC.poolD.poll【答案】 C59、在安索夫产品市场矩阵中，（）即市场渗透。A.现有市场新产品B.新市场新产品C.现有市场现有产品D.新市场现有产品【答案】 C60、主营业务利润率属于哪种财务比率（）。A.结构比率B.效率比率C.相关比率D.利润比率【答案】 D61、Mum,would you please buy me an ipad A.wouldB.shallC.mayD.must【答案】 B62、The river is already _its banks because of the excessive rainfall;and the city is threatened with a likely flood.A.parallel toB.level inC.flat onD.flush with【答案】 D63、 He had _speak _ the audience interrupted him.A.had started to . whenB.hardly begun to . beforeC.nearly going to. thanD.just about to. that【答案】 B64、During her junior year of high school,Diane Rays 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 thestock market game,investing（投资）the hypothetical（虚拟的）earnings from their hypothetical jobs in the market in the disastrous fall of 20