2019-2025年银行招聘之银行招聘综合知识提升训练试卷A卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识提升训练试卷A卷附答案

单选题（共1000题）
1、个人计算机内存的大小主要由（ )决定。
A.RAM芯片的容量
B.软盘的容量
C.硬盘的容量
D.CPU的位数

【答案】 A
2、 “长期准备金”属于银行的( )类科目。
A.资产
B.所有者权益
C.损益
D.负债

【答案】 D
3、 企业出售、报废、毁损等原因减少的固定资产，记入( )科目核算。
A.“固定资产清理”
B.“营业外收入”
C.“其他业务收入”
D.“资本公积”

【答案】 A
4、资料：“Our cars are for people who want something different.”
A.Customers’ distrust of products
B.A financial loss
C.Unhappy workers
D.Loss on sales and market share

【答案】 A
5、By the end of next month we（　　）the task.
A.will finish
B.will be finishing
C.will have finished
D.have finished

【答案】 C
6、央行中期借贷便利（MLF）和央行逆回购性质上属于（　　）。
A.中央银行再贷款
B.常备借贷便利操作
C.利率政策
D.公开市场业务操作

【答案】 D
7、 明天就是选举日了，以下公民中不具有选举权的是（　　）。
A.张某刚过完l7岁生日
B.黄某被判有期徒刑3年执行中
C.王某被查出患有精神病
D.陈某被拘留l5天执行中

【答案】 A
8、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
9、一般来讲，在下列（ ）经济背景条件下证券市场呈上升走势最有利。
A.持续、稳定、高速的GDP增长
B.高通胀下的GDP增长
C.宏观调控下的GDP减速增长
D.转折性的GDP变动

【答案】 A
10、 银行期末按被投资单位实现的净利润计算应分享的金额。其会计分录为（　）。
A.借：损益调整贷：长期股权投资——股票投资——其他股权投资
B.借：长期股权投资——股票投资(损益调整)——其他股权投资(损益调整)贷：投资收益
C.借：投资收益贷：长期股权投资——股票投资(损益调整)——其他股权投资(损益调整)
D.借：长期股权投资——股票投资——其他股权投资贷：损益调整

【答案】 B
11、当出租车租金价格上涨后，对公共汽车服务的（）。
A.需求增加
B.需求减少
C.需求不变
D.需求可能增加，也可能减少

【答案】 A
12、 下列有关会计的表述中，不正确的一项是（　　）。
A.在会计核算中，允许一些企业使用外币作为记账本位币
B.会计主体需具有法人资格
C.只有以货币表现的经济活动才是会计对象
D.会计监督是会计的基本职能之一

【答案】 B
13、An epigram is usually defined ___ a bright or witty thought that is briefly and ingeniously expressed.
A.as
B.as be
C.as been
D.to being

【答案】 A
14、The latest research indicates that stress，as an ______ to deal with it，is a direct contributor to heart disease.
A.inability
B.illegalness
C.unconsciousness
D.unwillingness

【答案】 A
15、对擅自使用与知名商品相近似的名称、包装、装潢，造成和他人的知名商品相似使购买者误认为是该知名商品的行为判断，所依据的是（　　）。
A.《商标法》
B.专利法》
C.《消费者权益保护法》
D.《反不正当竞争法》

【答案】 D
16、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
17、Players must not ____raise the ball from a hit except for a shot at goal.
A.intentionally
B.shyly
C.timidly
D.unwillingly

【答案】 A
18、It was no（　　）that his car was seen near the bank at the time of the robbery.
A.coincidence
B.convention
C.certainty
D.complication

【答案】 A
19、资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lot's take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.
A.Voluntary Employee Benefits surpasses the traditional health benefit
B.Voluntary Employee Benefits are becoming more customized
C.The Advantages of Offering Voluntary Employee Benefits
D.Voluntary Employee Benefits and health care consumers

【答案】 B
20、就业是最大的民生，保市场主体也是为稳就业保民生。各地加大稳岗扩岗激励力度，企业和员工共同克服困难。多渠道做好重点群体就业工作，支持大众创业万众创新带动就业。新增市场主体恢复快速增长，创造了大量就业岗位。2020年全年城镇新增就业1186万人，年末全国城镇调查失业率降到52％。生活必需品保供稳价，居民消费价格上涨25％。线上办公、网络购物、无接触配送等广泛开展。大幅度扩大失业保险保障范围。对因疫情遇困群众及时给予救助，新纳入低保、特困供养近600万人，实施临时救助超过800万人次。
A.凯恩斯定律
B.蒙代尔定律
C.奥肯定律
D.纳什定律

【答案】 C
21、They failed to pass the exam last time.I regretted（　　）.
A.to be not able to help
B.being unable to help
C.being able to helping
D.not be able to help

【答案】 B
22、When she returned ____ abroad, she told us about her experiences as an illegal immigrant.
A.by
B.back
C.from
D.on

【答案】 C
23、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
24、物价上涨率和失业率是成（　　）。
A.有联系但不确定
B.正相关
C.负相关
D.无相关

【答案】 C
25、I hear many parents saying that their teenage children are rebellion.I wish it were so.At your age you ought to be growing away from your parents.You should be learning to stand on your own two feet.But take a good look at the present rebellion.It seems that teenagers are all taking the same way of showing that they degree with their parents.Instead of striking out bravely on their own,most of them are trying to seize at one another’s hands for safety.
A.encouraged
B.pessimistic
C.depressed
D.hard to tell

【答案】 A
26、 丙公司在经营过程中因资金出现短缺，向某商业银行申请贷款。丙公司由该行办公室主任吴某的亲属投资。请你根据我国《商业银行法》的规定，判断该银行在贷款时的哪项做法违反了贷款的基本规则?（　　）
A.发放了一笔信用贷款
B.对贷款实行审贷分离、分级审批制度
C.与借款人订立了书面合同
D.对借款人的借款用途、偿还能力、还款方式等情况进行严格审查

【答案】 A
27、资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer.
A.Lily,a primary school student who has saved about $300 in cash
B.Sue,a secondary school student who wants to open her own account
C.Neil,the father of a teenage son aged 14,who want to open an account
D.Jane,a post-graduate who wants to manage her own money

【答案】 B
28、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
29、下列期货产品中，不属于金融期货的是（　　）。
A.货币期货
B.股指期货
C.利率期货
D.黄金期货

【答案】 D
30、Passage 8
A.cause it can help a would to dry
B.Because it can cover a rough surfaceBBecause it can make a would smooth
C.Because it can prevent disease entering a wound

【答案】 A
31、下列哪项不属于商业银行依法可以开展的业务？（　　）
A.买卖政府债券、金融债券
B.承销政府债券
C.发行金融债券
D.承销公司股票

【答案】 D
32、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
33、Passage 8
A.The loans are expected to help seniors stay in their homes
B.The loans are driving all seniors out of their homes
C.The reverse mortgage only welcomes seniors
D.any seniors can apply for reverse mortgage

【答案】 A
34、对实际现金流进行折算时，使用（　　）。
A.名义利率
B.税前利率
C.通胀率
D.实际利率

【答案】 D
35、在表示存储器的容量时,1MB的准确含义是（）。
A.1024G
B.1024K
C.1024字节
D.1024

【答案】 B
36、消费者对价格敏感，生产与销售成本低，竞争者易进入，商品差异性小的新产品定价，应采用（　　）。
A.高价策略
B.低价策略
C.满意策略
D.折扣策略

【答案】 B
37、某企业2019年的总资产周转次数为1次，假设资产由流动资产和固定资产组成；流动资产周转次数为3次，如果一年按360天计算，则该企业固定资产周转天数为（　　）天。
A.360
B.240
C.120
D.860

【答案】 B
38、下列选项中，在立卷范围之列的是（　　）。
A.反映本机关工作活动.正在办理中的文件
B.反映本机关工作活动的所有文件
C.反映本机关工作活动的，具有查考利用价值的办毕文件
D.反映其他机关工作活动的办毕文件

【答案】 C
39、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.Selling and Buying
B.What Is the Market?
C.Everything You Do Is Producing for the Market
D.What the Market Can Do for You?

【答案】 B
40、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.can help towards overcoming this problem about the ratio of debt to income
B.may lead Germany's importance as Europe’s largest export market to decline
C.may bring some relief to other members of the European Exchange Rate Mechanism
D.None of above

【答案】 D
41、Passage 1
A.to be rich
B.to have her own parents
C.to have a lot of friends
D.happiness

【答案】 D
42、有关再贴现率的表述错误的是（　　）。
A.该利率的提高会减少商业银行资金成本，增加盈利
B.包括贴现率和中央银行对商业银行贷款的利率
C.不同于随供求变化而变化的市场利率
D.该利率的提高会减少商业银行贴现和贷款的要求，从而减少流通中的货币

【答案】 A
43、属于南宋的作者是（ ）。
A.苏轼
B.周邦彦
C.范成大
D.雎景臣

【答案】 C
44、 我国现行会计制度规定，资产负债表是按（　　）所反映的经济内容设计的。
A.资产=负债+所有者权益
B.有借必有贷.借贷必相等
C.账户的平行登记
D.借贷记账法

【答案】 A
45、资料：Job Responsibilities:
A.monthly calendars
B.staff lists
C.class lists
D.health forms

【答案】 D
46、下列经济行为中属于间接融资的是（　　）。
A.公司之间的货币借贷
B.国家发行公债
C.商品赊销
D.银行发放贷款

【答案】 D
47、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. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.
A.Airbnb service in usage doubled in recent fiscal year
B.Businessmen cut cost by using Airbnb service
C.Sharing economic is about to take the lead
D.Airbnb succeeds in competing with traditional accommodation channels to attract longer stays

【答案】 D
48、“谷贱伤农”经济现象的根源在于：农产品的需求价格弹性（　　）。
A.小于1
B.大于1
C.等于1
D.为0

【答案】 A
49、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the degrading joints
B.the thinning of your hair
C.the good condition of your organs
D.the wrinkles around your eyes

【答案】 C
50、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
51、与“如怨如慕，如泣如诉;余音袅袅，不绝如缕”相接的是（ ）。
A.渺渺兮予怀，望美人兮天一方
B.哀吾生之须臾，羡长江之无穷
C.纵一苇之所如，凌万顷之茫然
D.舞幽壑之潜蛟，泣孤舟之嫠妇

【答案】 D
52、冯?诺伊曼计算机工作原理的设计思想是（　　）。
A.程序设计
B.程序存储
C.程序编制
D.算法设计

【答案】 B
53、Construction on a new wing at the Markunas Museum ____as soon as additional funding has been arranged.
A.has been resumed
B.to be resuming
C.was resumed
D.will resume

【答案】 D
54、劳动者在下列哪种情形中，用人单位可以解除劳动合同？（　　）
A.劳动者患病或者非因公负伤，在规定的医疗期内的
B.严重违反用人单位的规章制度的
C.劳动者不能胜任工作，经过培训或者调整工作岗位，仍不能胜任工作的
D.女职工在孕期、产期、哺乳期内的

【答案】 B
55、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.A historical view was presented to prove that way of life nowadays is more harmful to human wellbeing than those inthe past
B.A historical view supports the idea that current states of exhaustion are quite common in western countries
C.A historical view challenges the idea that people should find time to relax infast-pacedV odern life
D.A historical view challenges the idea that we would have to return to the past to avoid mental exhaustion

【答案】 A
56、“马力”一词表示的是（　　）。
A.是一个动力单位
B.表示一匹马的能量
C.表示一匹马的速度
D.表示发动机的功率

【答案】 D
57、There is no reason they should limit how much vitamin you take,____they can limit how much water you drink.
A.no less than
B.not any more than
C.no more than
D.much more or less

【答案】 B
58、—Guess,how much does it cost?
A.from
B.between
C.among
D.with

【答案】 B
59、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.Glenn Mulcaire may deny phone hacking as a crime
B.more journalists may be found guilty of phone hacking
C.Andy Coulson should be held innocent of the charge
D.phone hacking will be accepted on certain occasions

【答案】 B
60、彼得·德鲁克认为：“领导者的唯一定义就是其后面的追随者。一些人是思想家，一些人是预言家，这些人都很重要，而且也急需；但是没有追随者，就不会有领导者。”这句话说明（　　）。
A.领导的实质是组织成员的追随与服从
B.领导者需要权力
C.追随者比领导者更重要
D.领导只有一个定义，其余的定义是错误的

【答案】 A
61、Passage 8
A.explosive growth
B.the reform of reverse mortgage market
C.little consideration to suitability
D.aggressive and improper marketing

【答案】 B
62、Mobile and portable technologies allow learners to access information irrespective of their physical context, for example on a bus or,______as a way to provide learners with location-based information.
A.simultaneously
B.generally
C.accordingly
D.alternatively

【答案】 D
63、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.nature
B.each other
C.other teams
D.international standards

【答案】 A
64、打开Word文档一般是指（ ）。
A.把文档的内容从内存中读出并显示出来
B.把文档的内容从磁盘调入内存并显示出来
C.为打开的文档开设一个新的空的文档窗口
D.显示并打印文档的内容

【答案】 B
65、As ___, I think business English is more practical than other courses.
A.an International Business student major
B.an International Business major
C.a International Business student major
D.an International Business major student

【答案】 D
66、对应付账款进行的分析程序不包括（ ）。
A.计算应付账款对存货的比率、应付账款对流动负债的比率，并与以前期间对比分析， 评价应付账款的整体合理性
B.获取或编制应付账款明细表，复核加计正确，并与报表数、总账数和明细账合计数核对 是否相符
C.分析长期挂账的应付账款，要求被审计单位做出解释，判断被审计单位是否缺乏偿债能力或利用应付账款隐瞒利润
D.利用存货、主营业务收人和主营业务成本的增减变动幅度，判断应付账款增减变动的合理性

【答案】 B
67、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.20
B.40
C.60
D.80

【答案】 B
68、In the booming city of Rio de Janeiro，a luxury hotel______trash into treasure for more than a decade，long before food waste was at the forefront of anyone’s mind。
A.had been turning
B.has been turning
C.was turning
D.is turning

【答