2020-2025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

2020-2025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360题）
1、公文办理主要分为（　　）。
A.收文和发文
B.拟办和承办
C.登记和分发
D.整理与保管

【答案】 A
2、 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
3、采用直接标价法条件下，汇率的上升意味着（ ）。
A.外国货币价值不变
B.外国货币贬值
C.本国货币价值不变
D.外国货币升值

【答案】 D
4、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
5、The company's profits are（　　）to hit their peak in the next quarter mainly due to the release of its new line of clothing.
A.forecast
B.forecasting
C.to forecast
D.will forecast

【答案】 A
6、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？
A.新技术对于成年人来说并不需要
B.孩子的好奇心比成年人大
C.成年人总是会担心末知因素对下一代的影响
D.新技术大多都是针对下一代人而推出的

【答案】 D
7、下列通常被视为无风险利率的是（ ）。
A.企业债券利率
B.国债利率
C.投资基金收益率
D.回购利率

【答案】 B
8、2020年4月6日电，世界卫生组织5日发布第七十六期新冠肺炎疫情报告。报告认为，目前中国已从疫情遏制阶段进入（　　），中国经验正在帮助其他国家的抗疫行动。
A.拉锯阶段
B.缓解阶段
C.攻坚阶段
D.决胜阶段

【答案】 B
9、系统软件的功能是（ ）。
A.充分发挥硬件资源的效益，为用户使用计算机提供方便
B.解决输入输出的问题
C.清除病毒，维护计算机系统正常运行
D.用于程序设计

【答案】 A
10、The sudden heavy rain（　　）our holiday plan.
A.damaged
B.destroyed
C.sabotaged
D.spoiled

【答案】 D
11、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.The quality of writings is of primary importance
B.mmon humanity is central to news reporting
C.Moral awareness matters in editing a newspaper
D.Journalists need stricter industrial regulations

【答案】 C
12、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.We need to reach everyone’s potential to realize self-driving cars
B.There are still many problems to be solved in self-driving cars
C.Lyft co-founder says most of its cars will be autonomous in 5 years
D.The advantages and disadvantages of self-driving cars

【答案】 C
13、There was a ___ rush to get everything ready for the unexpected inspection from the superiors.
A.calm
B.mad
C.frantic
D.wild

【答案】 C
14、如果将一国货币币值的提高定义为升值，那么，对该国来说，将导致（　　）。
A.直接标价法汇率数值将减小，间接标价法汇率数值将减小
B.直接标价法汇率数值将减小.间接标价法汇率数值将增大
C.直接标价法汇率数值将增大，间接标价法汇率数值将减小
D.直接标价法汇率数值将增大，间接标价法汇率数值将增大

【答案】 B
15、在我国，全国人民代表大会通过法律须经（ ）。
A.到会代表的过半数同意
B.全体代表的过半数同意
C.到会代表的2/3多数同意
D.全体代表的2/3多数同意

【答案】 B
16、（　　）的基本内容是：只要财产权是明确的，并且交易成本为零或很小，则无论在开始时将财产权赋予谁，市场均衡的最终结果都是有效率的。
A.帕累托定理
B.欧拉定理
C.恩格尔定理
D.科斯定理

【答案】 D
17、资料：Zhang Qiaoli uses her spare bedroom for storing her stock of ladies’ fashion-wear and photo shoots. She is one of more than five million small online stores operating across China, some from small apartments or even college dormitories. She buys dresses and accessories wholesale; at prices under $5, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.
A.defeat
B.lose
C.step
D.damage

【答案】 A
18、贾某赴新加坡出差，行前到交通银行兑换500新加坡元，这时银行使用的价格是（　　）。
A.钞买价
B.汇卖价
C.汇买价
D.钞卖价

【答案】 B
19、苏州曾经是经济兴盛、文化发达、人才荟萃之地，明末清初以后，苏州士绅除少数人发生身份和观念转化外，多数人的传统观念仍根深蒂固。而作为社会主流的士绅观念和意识往往通过各种渠道浸润展延，严重影响一般民众，正因如此，晚清苏州民风靡弱闲散，生活节奏缓慢，缺乏早期现代化必需的紧迫感与开拓精神。清末及民国初期，苏州人很少愿意将资本投入到现代实业中，以至于苏州钱庄吸收的存款在当地难以消纳，不得不转向外埠了求出路。
A.清末苏州资金消纳的途径与方式
B.苏州民众在士绅观念影响下的转变
C.民国初期苏州实业发展衰落的原因
D.士绅观念制约了近代苏州的现代化进程

【答案】 D
20、The manager said he believed we would win the contract, but I knew that we didn’t really stand a/an____.
A.chance
B.opportunity
C.probability
D.possibility

【答案】 A
21、2012年5月13日，《中华人民共和国政府、日本国政府及大韩民国政府关于促进、便利 和保护投资的协定》于（ ）正式签署。
A.北京
B.首尔
C.东京
D.上海

【答案】 A
22、Uranus, ________ is much more massive than the Earth, seems to have been tipped over so that it lies on its side.
A.what
B.who
C.that
D.winch

【答案】 D
23、利率市场化是市场主体自行决定利率的过程，任何单一市场主体都不能单方面决定利率，那么，在这种制度下，利率的变动将（　　）。
A.随市场资金供求状况而变化
B.随中央银行的基准利率变化而变化
C.随市场货币流动性大小而变化
D.随货币的汇率变动而变化

【答案】 A
24、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
25、通常，“瘦狗类”业务的特征是（　　）。
A.市场增长率高，相对市场占有率低。
B.市场增长率低，相对市场占有率高
C.市场增长率高，相对市场占有率高
D.市场增长率低，相对市场占有率低

【答案】 D
26、 财务报表项目中的数字其直接来源是（　　）。
A.原始凭证
B.记账凭证
C.明细账簿
D.账簿记录

【答案】 D
27、It is a widely agreed point of view that the （ ）of policies to conserve energy nationwide will inevitably involve personal sacrifice.
A.implementation
B.manifestation
C.demonstration
D.expedition

【答案】 A
28、Passage 10
A.it is easy for children to get used to blank expressions
B.verbal expressions are unnecessary for emotional exchange
C.children are insensitive to changes in their parents'mood
D.parents need to respond to children's emotional needs

【答案】 D
29、 长期股权投资的被投资单位因增资扩股而增加的所有者权益，银行应记账为（　）。
A.借：长期股权投资——股票投资(股权投资准备)贷：资本公积——股权投资准备
B.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)
C.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)
D.借：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)贷：资本公积——股权投资准备

【答案】 D
30、电子邮件是Internet应用最广泛的服务项目，通常采用的传输协议是（　　）。
A.SMTP
B.TCP／IP
C.CSM A／C
D.TPX／SPX

【答案】 A
31、资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
A.The Fed undertakes banking supervision over banking system in the USA
B.The savings banks in the USA are authorized to do real estate business by some states’ law
C.Specialized banks in the USA provide funds as the lender of last resort
D.Specialized banks in the USA are the same to those in China

【答案】 A
32、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
33、On the next birthday,Ann（　　）married for twenty years.
A.is
B.has been
C.will be
D.will have been

【答案】 D
34、 某集团下属甲、乙两家公司，甲公司准备吸收合并乙公司，乙公司的净资产账面价格是3000万元，甲公司发行5000万股(每股1元)进行对价支付。合并完成后，甲公司需要冲减资本公积（　　）。
A.3000万
B.1000万
C.不需要冲减资本公积
D.2000万

【答案】 D
35、某融资公司以经营不善为由拖欠张某的工资长达半年，根据《商业银行法》规定，若张某要求该公司的开户银行对该公司的存款进行（　　）的操作时，开户银行有权拒绝张某。
A.查询
B.冻结
C.他选项全部
D.扣划

【答案】 C
36、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
37、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.
A.She decided to further her education in Paris
B.serious eye problem shopped her
C.She couldn’t get admitted to medical school
D.It was difficult for her to start a practice in the United States

【答案】 B
38、资料：When we see well，we do not think about our eyes very often. It is only when we cannot see perfectly that we realize how important our eyes are.
A.looking over a wide area
B.seeing objects far away
C.judging distances
D.seeing at night

【答案】 C
39、2013年2月18日，《国务院办公厅关于印发国民旅游休闲纲要（2013—2020年）的通知》发布，《纲要》明确提出到（ ）年职工带薪休假制度基本得到落实的目标。
A.2014
B.2015
C.2016
D.2020

【答案】 D
40、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.中国人民银行；可上浮
B.中国人民银行；不上浮
C.教育部；可上浮
D.教育部；不上浮

【答案】 B
41、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.The state of being very old or ancient
B.The state ofbeing mentally exhausted
C.The state of complete physical exhaustion
D.The state of difficult life experience in earlier times

【答案】 A
42、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.borrow a book from the library
B.look after your children
C.drive to the seaside for a holiday
D.dine at a restaurant

【答案】 D
43、材料二：2018年上半年，我国经常账户逆差1801亿元，资本和金融账户顺差4247亿元，其中，非储备性质的金融账户顺差7451亿元，储备资产增加3192亿元。
A.货物和服务
B.直接投资
C.经常转移
D.收益

【答案】 B
44、 转让固定资产使用权取得的收入应计入( )。
A.手续费收入
B.其他业务收人
C.营业外收入
D.主营业务成本

【答案】 B
45、He was determined that his children（　　）to the best school.
A.should go
B.went
C.ought to go
D.would go

【答案】 A
46、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
47、中断处理时，要求保留现场的原因是（ ）。
A.为了保证不丢失数据
B.为了保证原程序完整
C.为了中断结束时返回原程序执行
D.中断处理时需要使用现场中的数据

【答案】 C
48、邓小平提出的“三个有利于”标准具有内在的联系性，其中最基本的是（）。
A.提高人民的生活水平
B.发展生产力
C.巩固社会主义制度
D.增强社会主义国家的综合国力

【答案】 B
49、（）将引起美元对日元贬值。
A.美国的货币供给增加
B.美国的利率上升
C.日本的利率下降
D.日本从美国的进口增加

【答案】 A
50、中国人民银行在（　　）领导下依法独立执行货币政策，履行职责，开展业务。
A.全国人民代表大会
B.全国人民代表大会常务委员会
C.中国银行保险监督管理委员会
D.国务院

【答案】 D
51、Should UK depositors lose money, the government would have to decide whether to____for it directly.
A.notify
B.compensate
C.overlook
D.trigger

【答案】 B
52、资料：Italy's 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.uneasy
B.awkward
C.furious
D.indifferent

【答案】 A
53、投资银行最本源、最基础的业务活动不包括（ ）。
A.证券发行与承销业务
B.证券经纪与交易
C.承销业务
D.风险投资

【答案】 D
54、近三十年的航海历程推动了作为商品的青花瓷的大量生产与外销，不仅促进技术创新，使青花瓷达到瓷器新工艺的顶峰，而且改变了中国瓷器发展的走向，带来了人们审美观念的更新。这也就意味着，如果没有郑和远航带来活跃的对外贸易，青花瓷也许会像在元代一样，只是中国瓷器的诸多品种之一，而不会成为主流，更不会成为中国瓷器的代表。由此可见，青花瓷崛起是郑和航海时代技术创新与文化交融的硕果，中外交往的繁盛在推动文明大交融的同时，也推动了生产技术与文化艺术的创新发展。
A.航海历程推动了青花瓷的发展
B.郑航下西洋使得青花瓷发展到鼎盛
C.中外交流的繁多也推动了科技和文化的创新
D.中外交往的增多推动了文明的大融合

【答案】 C
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.The state of being very old or ancient
B.The state ofbeing mentally exhausted
C.The state of complete physical exhaustion
D.The state of difficult life experience in earlier times

【答案】 A
56、据统计，自去年9月份以来，纯碱价格已经从1400元/吨左右上涨至2200元/吨左右，涨幅约60%。假设纯碱与甲商品是替代品，与乙商品是互补品。那么在其他条件不变的情况下，以下说法正确的是（　　）。
A.甲商品需求量会增加，乙商品需求量会增加
B.甲商品需求量会减少，乙商品需求量会减少
C.甲商品需求量会增加，乙商品需求量会减少
D.甲商品需求量会减少，乙商品需求量会增加

【答案】 C
57、中国人民银行早在2004年已经完全放开金融机构人民币贷款利率上限，商业银行可自主根据企业和具体业务风险状况进行定价，但是并不意味着金融借款利率不受任何限制。金融机构利率是指（　　）。
A.金融机构对银行和证券公司实行的各种利息率
B.金融机构对企业单位和个人实行的各种利息率
C.金融机构对金融监管部门实行的各种利息率
D.金融机构对中央银行实行的各种利息率

【答案】 C
58、下列不属于银行认可的个人汽车贷款担保措施的是（　　）。
A.信用担保
B.质押
C.第三方保证
D.房地产抵押

【答案】 A
59、Passage 2
A.A toy train
B.A bottle of whiskey
C.A camera
D.A cellular phone

【答案】 A
60、The company's profits are______to hit their peak in the next quarter mainly due to the release of its new line of clothing.
A.forecast
B.forecasting
C.to forecast
D.will forecast

【答案】 A
61、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 United Nations report published on Thursday.
A.discuss why developing countries are playing major role
B.illustrate a theory for poverty reduction
C.explain reasons behind a report
D.interpret the role of trade for developing countries

【答案】 C
62、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.The Age of Advanced Technology
B.How to be a Good Business Owner
C.Using Technology to Stay Competitive
D.The Convenience of Technology

【答案】 C
63、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.Faith
B.Complaint
C.Account
D.Reputation

【答案】 D
64、根据期望理论。能够影响动机因素的是（　　）。
A.情境
B.能力
C.工具
D.人际关系

【答案】 C
65、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 dreamer's 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.what kind of benefits dreams bring to people
B.what dreams are
C.how we dream during sleep
D.why we dream during sleep

【答案】 B
66、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，