2020-2025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

2020-2025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360题）
1、根据蒙代尔的国际收支政策配合理论，当某国处于国际收支顺差、国内经济膨胀的经济状态时，应搭配财政政策和货币政策。（　　）
A.紧缩性的；扩张性的
B.扩张性的：扩张性的
C.扩张性的；紧缩性的
D.紧缩性的；紧缩性的

【答案】 A
2、下列各项，不影响企业利润表中“营业利润”的项目有（ ）。
A.主营业务收入
B.营业外收入
C.投资收益
D.资产减值损失

【答案】 B
3、（ ）会增加失业。
A.退休工人的数量增加
B.退休劳动力队伍的人数增加
C.离开学校找工作的人数增加
D.离开工作上学的人数增加

【答案】 C
4、与零售业相比较，批发业具有自身的特点，以下表述不正确的是（　　）。
A.批发业基本属于资本密集型行业
B.服务项目相对较少
C.平均每笔交易量少，交易次数频繁
D.批发业的商圈比较大

【答案】 C
5、固定资产应当按（　　）取折旧，并根据用途分别计入相关资产的成本或当期费用。
A.年
B.月
C.日
D.季

【答案】 B
6、The monitor has（ ）us of tomorrow’s meeting.
A.told
B.said
C.informed
D.reported

【答案】 C
7、She was very____of our efforts to help.
A.appreciating
B.appreciative
C.appreciate
D.appreciable

【答案】 B
8、Passage 7
A.When they take decision shortcuts
B.When they help others to make decisions
C.When they have major decisions to make
D.When they have advisers to turn to

【答案】 B
9、企业下列经济业务中，会影响其偿债能力的是（　　）。
A.企业向投资者分配股票股利
B.企业提前支付某供应商货款
C.企业用资本公积转增资本
D.企业用盈余公积弥补亏损

【答案】 B
10、目前在我国不存在的票据是（ ）。
A.银行本票
B.商业本票
C.银行汇票
D.商业汇票

【答案】 B
11、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
12、The leaves have been swept into huge______.
A.heaps
B.pyramids
C.layers
D.loads

【答案】 A
13、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.some people are too young to work in many industries
B.some people are satisfied with the government welfare
C.some people don’t have motion to work
D.some people are not qualified to work

【答案】 B
14、以下（　　）是直接融资工具。
A.商业票据
B.银行本票
C.保险单
D.银行券

【答案】 A
15、观察数列的变化规律，然后为空缺处选出正确的数:4、15、18、31、36、51、（　　）。
A.34
B.22
C.49
D.58

【答案】 D
16、 合同被撤销之后，合同的效力（　　）。
A.自撤销时无效
B.自始无效
C.没有成立
D.自发现撤销事由之日起无效

【答案】 B
17、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.He had to prepare for his exam
B.The dresses he bought weren’t of high quality
C.Customers didn’t accept his taste in fashion
D.He didn’t have enough money to buy beautiful dresses

【答案】 C
18、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
19、中央银行降低再贴现率的结果是银行准备金（ ）。
A.增加
B.减少
C.不变
D.皆有可能

【答案】 A
20、 如果会计信息的省略或者错报会影响投资者等财务报告使用者据此作出决策的，该信息就具有( )。
A.可比性
B.可靠性
C.谨慎性
D.重要性

【答案】 D
21、大额可转让定期存单最早产生于美国。美国的《Q条例》规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20世纪60年代，美国市场利率上涨，高于《Q条例》规 定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。
A.收益风险高
B.流动性差
C.容易造成通货膨胀
D.收益率低

【答案】 B
22、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD player or Nokia phone at Best Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.
A.Chinese market needs more regulations
B.Western retailers cannot succeed in Chinese market
C.In China owing a car does not necessarily mean efficient travel
D.To start a successful business, a better understanding of consumer preference is important

【答案】 B
23、After a long and difficult strike,the plant workers will show up to work______Monday.
A.starting on
B.afterwards
C.instead
D.outside

【答案】 A
24、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 bank’s 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 help
B.Local people welcome the projects
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions
D.The project in Bangladesh is also financed with other institutions

【答案】 D
25、在下列字符中，其ASCII码值最小的一个是（　　）。
A.控制符
B.9
C.A
D.a

【答案】 A
26、Don’t bother your father tonight-he’s got a lot（　　）his mind.
A.on
B.to
C.in
D.around

【答案】 A
27、Passengers should possess boarding pass，valid passport，visa， exit registration card， and immigration certificate ______ by related department.
A.issued
B.made
C.identified
D.designed

【答案】 A
28、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（ ）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混渚了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
29、On Thursday, lawmakers introduced a bill to ______ harsher penalties for sexual assault in the military.
A.integrate
B.invade
C.impose
D.impair

【答案】 C
30、省、自治区、直辖市的设立、撤销、更名，须报（ ）审议决定。
A.全国人民代表大会
B.国务院
C.全国人大常委会
D.省级国家权力机关审议决定

【答案】 A
31、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
32、Before starting to write effect analysis essay, one should_____between cause and effect.
A.disguise
B.distinguish
C.diminish
D.derive

【答案】 B
33、资料：Many people think of internal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides assurance of the dependability of the accounting data used in making decisions.
A.Preventing fraud
B.Providing help for making decisions
C.Improving the sense of responsibility of employees
D.Protecting assets

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

【答案】 A
35、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
36、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.
A.Chinese business philosophy
B.China's business culture
C.Doing business in China
D.Guanxi in China

【答案】 B
37、2020年1月2日电，自今年1月1日起，符合条件的港澳台居民可在（　　）参加社会保险。目前，珠海市已启动实施港澳台居民参加珠海社会保险工作，专题部署和组织培训。
A.珠海市
B.深圳市
C.广州市
D.厦门市

【答案】 A
38、资料：It's almost considered sacrilegious today to leave work at the end of your workday or（for shamel）on a Friday and simply not check your email until you return the office during normal working hours.
A.They are inconsistent about the attitude toward after hour's emails
B.They both push the employees to be available all the time
C.They are consistent about the attitude towards after hour's emails
D.They both don't mean to stress the employees out

【答案】 A
39、The “cure rate”of many diseases increased dramatically after penicillin was ______ by more doctors.
A.put into practice
B.put into effect
C.put into use
D.put into operation

【答案】 C
40、根据我国《反洗钱法》及中国人民银行的规定，银行等金融机构在反洗钱方面承担的相关义务不包括（　　）。
A.协助反洗钱调查
B.对反洗钱工作的信息进行适度公开
C.及时报告大额和可疑交易
D.建立内部反洗钱工作机制和规程

【答案】 B
41、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
42、联合国总部设在（ ）。
A.日内瓦
B.维也纳
C.瑞士
D.纽约

【答案】 D
43、Passage 7
A.concrete returns for gift-givers
B.sizable gains in the form of gifts
C.leaking secrets intentionally
D.breaking contracts officially

【答案】 A
44、资料：Special needs students can not only learn from regular education teachers, but can participate in collaborative learning with mainstream students as well. Collaborative learning allows students to work together in groups to complete lessons and assignments.
A.It is desired for students with special needs
B.It is tutored by regular teachers for mainstream students
C.It is planned for collaborative learning by mainstream students
D.It has students with special needs and regular education classmates

【答案】 D
45、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.changes
B.makes
C.sets
D.turns

【答案】 B
46、福利部门领用材料，借记（ ），贷记“原材料”和“应交税费——应交增值税(进项税额转出)”。
A.管理费用
B.生产成本
C.应付职工薪酬
D.销售费用

【答案】 C
47、Passage 3
A.They treat the dollar with a little respect
B.They try to win in the weak-dollar gamble
C.They treasure their marriages all the more
D.They vacation at home rather than abroad

【答案】 D
48、资料：From: Iris Wu
A.on May 3
B.on May 14
C.on May 15
D.on May 26

【答案】 D
49、资料：Happy wood sprites knows the way to Fenghuang city.
A.Dances
B.Poetry
C.Paintings
D.Music

【答案】 D
50、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
51、资料：October 20,2013
A.To invite the staff to an upcoming event
B.To welcome the newest staff to the company
C.To notify the employees of a yearly meeting
D.To provide information about the company’s product

【答案】 A
52、 ( )假设是指在可以预见的将来，企业将会按当前的规模和状态继续经营下去。不会停业，也不会大规模削减业务。
A.会计主体
B.会计分期
C.货币计量
D.持续经营

【答案】 D
53、In addition to bending back and forth and swaying sideways, buildings can____, and these various motions can reinforce one another.
A.imagine
B.conceive
C.describe
D.twist

【答案】 D
54、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.on the letterheads and packages
B.in the social media platform
C.advertisements on TV
D.All of above

【答案】 D
55、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.It announced that they would import more Australian products into China
B.It announced that they would promote the trade between China and Australia
C.It announced that they would introduce more Australian products to Chinese online consumers
D.It announced that they would bring more Chinese goods into the Australian market

【答案】 C
56、资料：Workforce planning helps an organization to estimate its future workforce requirements and calculate the numbers, nature and sources of potential employees who might meet that demand.
A.those who have many work experiences
B.those who are likely to quit in a year
C.those who are friendly to colleagues
D.those who are skilled as well as committed

【答案】 D
57、下列史书，属于国别体体例的是（　　）。
A.《左传》
B.《战国策》
C.《史记》
D.《汉书》

【答案】 B
58、资本主义地租的本质是（　　）。
A.土地所有者占有的农业平均利润
B.农业资本家在租期内投资的利息
C.农业工人创造的超过平均利润以上的那部分剩余价值
D.土地所有者无偿占有的农业工人创造的全部剩余价值

【答案】 C
59、下列关于我国的公司债说法错误的是（ ）。
A.公司债的风险与公司本身的经营状况直接相关，风险比国债要高
B.我国的公司债范围是广义上的，包括了企业债与金融债
C.我国公司债的发行和交易依据《公司法》与《证券法》有关规定
D.我国公司债发行和交易的监管机构为中国证监会

【答案】 B
60、计算机只懂机器语言，而现在人们一般用高级语言编写程序，将高级语言变为机器语言序需经过（ ）。
A.编译程序
B.编辑程序
C.连接程序
D.装入程序

【答案】 A
61、下列哪一个选项不属于我国宪法规定的公民政治自由？（　　）
A.结社
B.罢工
C.言论
D.出版

【答案】 B
62、太阳系是大约（ ）亿年前，由星云在引力作用下逐渐收缩而形成的。
A.100
B.80
C.50
D.30

【答案】 C
63、汽车轮胎上的沟纹的主要作用是（　　）。
A.增加与地面的摩擦
B.排除雨水和泥水
C.增加车身的缓冲
D.保护内胎，防止刺破

【答案】 A
64、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.feel pain
B.imagine
C.are affected with
D.experience

【答案】 A
65、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
66、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.better students’learning methods
B.prevent students going into debt
C.help students get accepted by colleges
D.make students become very wealthy

【答案】 B
67、Passage 2
A.Challenges facing European regulators
B.A new regulation in Europe that opens banks to competition
C.The solutions to the flawed banking system in Europe
D.A looming threat to customers’private bank data

【答案】 B
68、The（　　）of climbing to the top of the corporate ladder is best defined in the new book published by Scott Thompson,one of the most successful businessmen in history.
A.challenge
B.dimension
C.introduction
D.compassion

【答案】 A
69、下列叙述正确的是（ ）。
A.用高级程序语言编写的程序称为源程序
B.计算机能直接识别并执行用汇编语言编写的程序
C.机器语言编写的程序必须经过编译和连接后才能执行
D.机器语言编写的程序具有良好的可移植性

【答案】 A
70、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
71、OPEC holds meetings frequently so as to regulate the outp of __ oil.
A.first
B.crude
C.original
D.primary

【答案】 B
72、资料：When a consumer finds that an item she or he bought is faulty or in some other way does not live up to the manufacturer's claims， the first step is to present the warranty， or any other records which might help. at the store of purchase. In most cases，this action will produce results. However， if it does not， there are various means the consumer may use to gain satisfaction A simple and common method used by many consumers is to complain directly to the store manager. In general， the “higher up” his or her complaint， the faster he or she can expect it to be settled. In such a case， it is usually settled in the consumer's favor， assuming he or she has a just claim.
A.Demonstrate the problem specifically
B.Do it politely but firmly
C.Do it in person
D.Make general statements first

【答案】 D
73、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
74、 预期违约侵犯了合同相对方的（　　）。
A.完全债权
B.既得债权
C.期待债权
D.自然债权

【答案】 C
75、