2025年银行招聘之银行招聘综合知识通关提分题库及完整答案.docx

2025年银行招聘之银行招聘综合知识通关提分题库及完整答案

单选题（共600题）
1、银行承兑汇票期限自出票之日起最长不超过（　　）。
A.3个月
B.6个月
C.1年
D.2年

【答案】 B
2、Passage 7
A.They turn to physicians for advice
B.They tend to make risky decisions
C.They adopt a totally new perspective
D.They refrain from trying anything new

【答案】 D
3、宏观经济指标是体现经济情况的一种方式，下列指标中属于金融指标的是（　　）。
A.货币供应量
B.消费物价指数
C.国民生产总值
D.社会消费品零售总额

【答案】 A
4、资料：Rahul Chadha, co-chief investment officer for Hong Kong-based Mirae Asset Global Investments, has a few charts he is particularly fond of when it comes to telling a story about investing in China.
A.The work force in China has increased in past ten years
B.internet firms benefit a lot from the income growth
C.The Chinese government is improving the social welfare for people
D.the per capita income in China is expected to $12,500 in eight years

【答案】 A
5、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10
B.小于10
C.大于10
D.小于或等于10

【答案】 B
6、Passage 2
A.Carry a map
B.Remember the phone number of the host family
C.Get touch with Home stay Network
D.Wait for being called

【答案】 D
7、下列关于外汇说法中不正确的是（　　）。
A.外汇是以外国货币表示的，必须具有充分的可兑换性，能够自由地兑换成其他国家的货币或者其他信用工具进行多边支付
B.外汇是非主权货币，通常各国政府允许外国货币作为本国市场的计价和结算货币，但不允许外国货币在本国境内流通和使用
C.外汇必须是在国外能得到补偿的债权，具有可靠的物质偿付保证
D.外汇必须是各国普遍接受的支付手段和可用作对外支付的金融资产

【答案】 C
8、某企业2010年12月31日银行存款日记账账面余额为217300元，开户行送来的对账单 所列本企业存款余额为254690元，经核对，发现未达账项如下：银行已收、企业未收款 42100元，银行已付、企业未付款5000元，企业巳收、银行未收款21600元，企业已付、银行 未付款21890元。则该企业可动用的银行存款实有数是（ ）元。
A.217300
B.254690
C.254400
D.276290

【答案】 C
9、 股票增值权模式的适用范围是（　　）。
A.现金流量比较充裕的非上市公司和上市公司
B.现金流量比较充裕且比较稳定的上市公司和现金流量比较充裕的非上市公司
C.业绩稳定型的上市公司及其集团公司、子公司
D.业绩稳定的上市公司及其集团公司

【答案】 B
10、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
11、—堆泥土，甲单独搬运要20天，乙单独搬运要10天。若甲先搬运一天，然后乙接替甲搬运一天，再由甲接替乙搬运1天……两人如此交替工作，那么搬运完这堆泥土共需（）天。
A.13
B.14
C.15
D.16

【答案】 B
12、He cancelled all the ___ on the ground that he needed a rest.
A.encouragement
B.engagement
C.schedule
D.employment

【答案】 B
13、2008年全球金融危机爆发以来，世界主要国家央行开始采取特殊货币政策，美国在利率水平已经接近纪录最低时，推出了一系列非常规货币政策，包括为了支持银行贷款的长期流动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取了非常规货币政策。IMF于2013年5月16日发布了《非常规货币政策：最近经验与前景》报告，报告称发达国家的非常规货币政策在很大程度上帮助实现了该国政策目标，诸如持续两年左右的购买国债计划帮助美国和英国的GDP增速提升了约2个百分点，然而，发达国家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新兴市场的汇率过度升值和波动。
A.销售存货收到现金
B.用资本公积转增股本
C.用现金购买原材料
D.用银行存款归还银行借款

【答案】 D
14、按照保险对象的不同可将保险分为（　　）。
A.人身保险与财产保险
B.自愿保险与强制保险
C.保险与再保险
D.信用保险与人身保险

【答案】 A
15、资料：Keeping the Zeal of a Startup as You Scale
A.They are more concentrated and tend to stick to their goals
B.They frequently defeat old companies in competitions
C.They try figure out new ways to solve problems
D.They do not follow existing rules

【答案】 B
16、Passage 5
A.poor quality rails and unreliable stopping systems
B.lack of financial support for development
C.limited railroad lines
D.lack of a transcontinental railroad

【答案】 A
17、Will you please tell me ___ right now?
A.what time be
B.what time is it
C.what is the time
D.what time it is

【答案】 D
18、 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
19、资料：Actually, any sale is a gift until you get paid. But exporters are especially concerned, since their buyers might be 10,000 miles away！
A.Business
B.Economy
C.Social
D.Culture

【答案】 A
20、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.
A.Modify its business strategy
B.Launch more marketing campaigns
C.Expand its business to other areas
D.Continue developing its mobile business

【答案】 D
21、Passage 1
A.It is widely used to compare the economic growth across countries
B.It revolutionizes the way of measuring ordinary people's livelihood
C.It focuses on people's consumption rather than their average income
D.It is a more comprehensive measure of people's economic well-being

【答案】 D
22、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】 D
23、资料：Procrastination comes in many disguises. We might resolve to tackle a task, but find endless reasons to defer it. We might prioritize things we can readily tick off our to-do list- answering emails, say- while leaving the big, complex stuff untouched for another day. We can look and feel busy. while artfully avoiding the tanks that really matter. And when we look at those rolling, long untouched items at the bottom of our to-do list, we can't help but feel a little disappointed in ourselves.
A.Make the costs of action feel smaller
B.Make the reward larger than the immediate pain of doing it
C.Make the benefits of action feel bigger
D.All the above

【答案】 D
24、从（ ）起北美自由贸易区开始运转。
A.1998年5月1日
B.1989年1月1日
C.1992年12月7日
D.1994年1月1日

【答案】 D
25、资料：For nearly a century, Hilton Worldwide has offered business and leisure travelers the finest in accommodations, service, amenities and value.
A.Travelling opportunities
B.A decent job
C.Various experiences, knowledge and chances
D.High income

【答案】 C
26、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
27、柯达公司是世界上著名的影像产品及相关服务的生产和供应商。面对市场技术的不断革新，柯达公司满足现状没有及时进行技术更新，直到2003年，柯达才宣布全面进军数码产业。最终柯达公司陷入退市困境，体现了管理学中的（　　）。
A.二八法则
B.长板法则
C.青蛙法则
D.木桶法则

【答案】 C
28、Passage 6
A.It was created by Mrs.Field
B.It collects information on you usually without your knowing it
C.It is a hardware needed to access to your computer
D.It is the latest in technology

【答案】 B
29、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
30、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
31、下列属于无形资产的是（　　）。
A.设备
B.建筑物
C.商标
D.流动资产

【答案】 C
32、我国农村推广多种形式的承包责任制之所以促进了生产力发展，在于它遵循了（　　）。
A.生产关系适合生产力状况的规律
B.上层建筑适合经济基础的规律
C.社会存在决定社会意识的规律
D.阶级斗争推动阶级社会发展的规律

【答案】 A
33、 中国人民银行法律责任的特点是（　　）。
A.中国人民银行负责
B.直接责任者负责
C.直接责任者或中国人民银行负责
D.直接责任者和中国人民银行共同负责

【答案】 B
34、商业银行的经营是指对其所开展的各项业务活动的（ ）。
A.组织和控制
B.组织和营销
C.控制和监督
D.计划和组织

【答案】 B
35、资料：Do you want to see the world? Then plan to visit the Silver Poseidon Cruises Career Fair on Tuesday, November 15 from 9 a.m. to 4 p.m. or Wednesday. November 16 from 5 p.m. to 9 p.m. We are looking for food service, entertainers, and maintenances staff to work aboard our many vessels. Free travel is just the beginning when you work for Silver Poseidon Cruises.
A.Career advancement opportunities
B.Paid training programs
C.Free travel
D.Time off for holidays

【答案】 D
36、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.To show that e-government will add new costs
B.To show that the e-government is useless in some cases
C.To show that physical stations are not functioning well
D.To show that the e-government will replace physical stations

【答案】 A
37、资料：What attracts customers? Obviously the quality of a product does, but visual images contribute a great deal. It is not only the image provided by the packaging that counts but the whole corporate identity of the company.
A.the examples of logos which are emotive and can inspire loyalty
B.the examples of giving people idea of the products by using the images
C.the examples of logos which fit in with contemporary design
D.None of above

【答案】 A
38、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.Next steps to take for people in different categories
B.How no credit and bad credit are different
C.How no credit and bad credit are similar
D.All the above have been discussed in the passage

【答案】 D
39、The fact is that _____ is given to seniority and many people would rather be the tail of a lion than the head of a dog.
A.priority
B.focus
C.emphasis
D.attention

【答案】 A
40、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.货币局制
B.传统的盯住汇率制
C.事先不公开汇率目标的管理浮动
D.单独浮动

【答案】 A
41、一个国家对进口商品，除了征收正常进口税外．还往往根据某种目的加征额外的进口税。这种加征的额外关税叫做进口附加税，其中包括（　　）。
A.差价税
B.反倾销税
C.特惠税
D.选择税

【答案】 B
42、为了保证计划目标得以实现，就需要有控制职能，控制的实质就是使（ ）。
A.实践活动符合于计划
B.计划接近实际活动
C.实践活动具有指标约束
D.计划得以严格执行

【答案】 A
43、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.4
B.5
C.8
D.20

【答案】 C
44、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
45、 银行会计采用的记账方法是( )。
A.复式记账法
B.单式记账法
C.反式记账法
D.权责发生制

【答案】 A
46、下列产品中，能够计入当年GDP的是（　　）。
A.中央政府对地方政府的转移支付
B.某人花100万美元在美国买的一栋新房
C.企业从国外购买的一台服务器
D.某企业当年生产没有卖掉的20万元产品

【答案】 D
47、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.abcd
B.abdc
C.bacd
D.cbad

【答案】 B
48、Passage 4
A.Alex Goldberg,Founder of Young Inspirations
B.Young People Find a World of Opportunity
C.Kieran,Banbury School Pupil to Paris
D.Debates Help Youth with Their Grades

【答案】 B
49、2020年3月10日，北京航天飞行控制中心圆满完成我国首次（　　）探测任务无线联试，充分验证了探测器与地面系统的接口匹配性和一致性。
A.火星
B.相控阵雷达
C.空间引力波
D.太阳

【答案】 A
50、In the dark street,there wasn’t a single person_she could turn for help.
A.that
B.who
C.from whom
D.to whom

【答案】 D
51、 ( )是指按照当前市场条件，重新取得同样一项资产所需支付的现金或现金等价物金额。
A.重置成本
B.公允价值
C.历史成本
D.可变现价值

【答案】 A
52、Never（　　）forget the day when（　　）together with you.
A.shall I;I lived
B.shall I;did I live
C.I shall;I lived
D.I shall;did I live

【答案】 A
53、国家发改委2021年1月19日表示，我国新型城镇化加快推进，城区常住人口（　　）的城市基本取消落户限制，超过1亿农业转移人口在城镇落户。
A.400万以下
B.300万以下
C.200万以下
D.100万以下

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

【答案】 A
55、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】 D
56、资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than did their parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.
A.authority and democracy are very essential to a healthy family
B.authoritarianism does no good to a healthy family
C.male superiority maintains a healthy family
D.women should be treated equally to men

【答案】 A
57、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.提髙收益

【答案】 B
58、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
59、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.4
B.5
C.8
D.20

【答案】 C
60、实行混业经营集中监管的国家，对银行机构业务经营的范围（ ）。
A.实行严格的限制
B.实行一定程度的限制
C.基本没有限制
D.完全没有限制

【答案】 B
61、The key to the industrialization of space is the U.S. space shuttle.______ it, astronauts will be able to fly into space and returning many times.
A.With
B.By
C.On
D.In

【答案】 A
62、2.3，4.8，8.24，16.51，32.89，（　　）
A.64.138
B.64.136
C.128.138
D.128.136

【答案】 A
63、扩张性财政政策对经济的影响是（　　）。
A.缓和了经济萧条，也减轻了政府债务
B.缓和了经济萧条，但增加了政府债务
C.缓和了通货膨胀，但增加了政府债务
D.缓和了通货膨胀，也减轻了政府债务

【答案】 B
64、资料：The hop flower has been used in beer-making at least since the eighth century. Traditionally it was a preservative, but it also imparts flavor. To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs say rivals that of wine grapes. Starting in the nineteen-seventies, small brewers on the West Coast began dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.The British produced large quantities of beer
B.The British found one of the most popular products called the India pale ale, or I.P.A
C.The British made Hop flower a necessity and shipped it in large quantities to India
D.The British added more hop flower in beer

【答案】 D
65、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
66、Everybody showed great respect to the old doctor,who devoted everything he had to（　　）the poor conditions of the local hospital.
A.improving
B.improve
C.improved
D.being improved

【答案】 A
67、资料：In a survey,people were asked to choose between treatments to save 600 people from dying a disease.
A.with a one-third probability that nobody will die
B.with a two-thirds probability that nobody will be saved
C.allowing 400 people to die
D.that 200 people will be saved

【答案】 A
68、—般而言，物价水平年平均上涨率不超过2%~3%的是（ ）。
A.爬行通货膨胀
B.温和通货膨胀
C.恶性通货膨胀
D.奔腾式通货膨胀

【答案】 A
69、This well established leader in Worldwide Aviation Training is able to give you the best ______ training t