2020-2025年银行招聘之银行招聘综合知识题库附答案（基础题）.docx

2020-2025年银行招聘之银行招聘综合知识题库附答案（基础题）

单选题（共360题）
1、资料：Business,academic and civic leaders in Cambridge have warned that one of Britain’s major economic growth cities is under threat unless the government acts quickly to restore trust post-Brexit.
A.Serious unemployment
B.Wars
C.Foreign talents drain
D.Social instability

【答案】 C
2、不列入存货的是（　　）。
A.生产设备
B.库存商品
C.原材料
D.低值易耗品

【答案】 A
3、各国征收反倾销税的目的在于（　　）。
A.抵制商品倾销，保护本国的市场与工业
B.防止本国商品不顾成本到国外倾销
C.保护本国出口商的利益
D.保护本国进口商的利益

【答案】 A
4、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.10.0％
B.8.0％
C.6.7％
D.3.3％

【答案】 A
5、一项调查数据显示：有73.25%的大学教师投入时间和精力最多的项是教学；63.29%的教师常在工作一整天后，感到筋疲力尽；46.50%的教师对于某些学生，常有“孺子不可教也”之感。只有37.7%的学生每周会将16小时以上课外时间用在学习上；接近50%的学生认为课程不能激励其学习；79.4%的学生很少在课外与教师讨论课程内容。
A.大学教师的教学工作繁重而又疲惫
B.大学教师的职业专业化程度不高
C.大学教师和学生的教、学体验都很差
D.大学生与教师之间缺少学术性的沟通

【答案】 C
6、中央银行在公开市场卖出政府债券的主要目的是为了（　　）。
A.帮助政府弥补财政赤字
B.获取价差收益
C.减少流通中的基础货币
D.减少商业银行在中央银行的存款

【答案】 C
7、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.US market alone amounted to $291 billion last year
B.GBTA stands for travelers’ interest
C.US used to be largest single market in the industry
D.Global business travel is stagnant

【答案】 C
8、资料：The societal marketing concept questions whether the pure marketing concept overlooks possible conflicts between consumers short-run wants and consumer long-run welfare.Is a firm that satisfies the immediate needs and wants of target markets always doing what’s best for consumers in the long run？ The societal marketing concept holds that marketing strategy should deliver value to customers in a way that maintains or improves both the consumers and society’s well-being.
A.To introduce the flourishing bottled water industry
B.To explain about the societal marketing concept
C.To discuss environmental problems
D.To explain about the pure marketing concept

【答案】 B
9、商业利润的来源是（　　）。
A.生产过程在流通中继续所创造的价值
B.产业工人创造的剩余价值
C.流通中发生的价值增值
D.流通领域中商品买和卖的差额

【答案】 B
10、 处置短期投资实际收到的收入大于账面价值的应计人( )。
A.投资收益
B.利息收入
C.营业外收入
D.其他业务收入

【答案】 A
11、Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
A.How rich and poor regions can share responsibility in curbing global warming
B.How human and economic losses from climate change can be reduced
C.How emissions of heat-trapping gases can be reduced on a global scale
D.How rich countries can better help poor regions reduce climate hazards

【答案】 D
12、按贷款风险分类法，借款人无需足额偿还贷款本息，即使执行担保，也肯定要造成较大损失的贷款应归为（　　）。
A.正常
B.关注
C.次级
D.可疑

【答案】 D
13、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.To share with readers the author’s unbearable life caused by cyberbullying
B.To accuse the whole society of its public humiliation which has become a culture
C.To draw people's attention to tragedies of victims due to cyberbullying
D.To complain to readers that social media has made a large amount of money out of

【答案】 C
14、总需求函数可以表示为：Y=AD（P），以下关于总需求曲线向右下方倾斜的原因，说法不正确的是（　　）。
A.当价格总水平上升时人们持有财富的实际价值升高，人们会变的非常富有，从而增加消费
B.在既定收入的前提下，价格总水平提高使个人持有的财富可以购买的消费品数量下降，从而消费减少
C.由于当价格水平上升的时候，出口会下降，进口增加，导致了净出口下滑
D.随着价格总水平提高，利息率上升，而利息率上升会使得投资减少，即价格水平提高使投资支出减少

【答案】 A
15、金融自由化与金融监管的关系是（　　）。
A.金融自由化就不应再有金融监管
B.金融自由化与金融监管完全没有矛盾
C.要加强金融监管，就不能有金融自由化
D.金融自由化并不否认金融监管

【答案】 D
16、Clarkson Library will be closed for renovations from May 3 to July 15, ____ which time the collection will not be open to the public.
A.with
B.between
C.during
D.while

【答案】 C
17、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.having accounts sent to collections
B.looking for a no-credit credit card
C.paying down the balance
D.closing your credit accounts

【答案】 B
18、And that quest has brought______benefits that improve our lives in countless ways.
A.tangible
B.displayed
C.conditional
D.proved

【答案】 A
19、Stereotypes______women’s roles to duties within the domestic sphere，such as food preparation and child care。
A.confine
B.limit
C.restrain
D.conform

【答案】 A
20、下列能够计入我国当年GDP的是（　　）。
A.制衣厂购入的10万元棉花
B.某人买了一辆价值10万元的旧房
C.某企业当年生产而没有卖掉的10万元产品
D.一个在美国工作的华人收入10万元

【答案】 C
21、Try to make your report as____as possible: only give us the facts, and not your opinions.
A.subjective
B.objectionable
C.subjected
D.objective

【答案】 D
22、下列有关商业银行办理业务的规定正确的是（　　）。
A.商业银行可以任意提高利率来吸收存款
B.商业银行办理结算业务根据需要可以压单
C.商业银行办理业务不能收取手续费
D.商业银行不得在没有客户办理业务的时候自行缩短营业时间

【答案】 D
23、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
24、 王某整日游手好闲，为了达到骗取钱财的目的，便假装为一公司销售人员，骗取蓝玉棉花厂总经理的信任，签订了一份虚假经济合同。王某将骗取的棉花转卖，所得被其全部挥霍，据查该批棉花价值7万多元。王某的行为构成（　　）。
A.投机倒把罪
B.诈骗罪
C.合同诈骗罪
D.妨害社会管理秩序罪

【答案】 C
25、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.To keep clients’ data safe
B.To close down the poor services
C.To give up their data monopoly
D.To disclose their sources of profits

【答案】 C
26、对高、中、低层管理人员的技能要求是有所区别的，按三种技能在其技能组成中的比重从大到小排列，对低层管理人员的技能要求应该是（　　）。
A.技术技能、人际技能、概念技能
B.人际技能、概念技能、技术技能
C.概念技能、人际技能、技术技能
D.概念技能、技术技能、人际技能

【答案】 A
27、We all hope that new economic plan of yours（　　）miracle.
A.is working
B.works
C.will be working
D.worked

【答案】 B
28、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.assure
B.confide
C.ensure
D.guarantee

【答案】 C
29、 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
30、某有限责任公司被吊销营业执照，以下为法律顾问提供的法律意见，不正确的是（　　）。
A.公司应当自被吊销营业执照之日起15日内成立清算组
B.清算组由董事或者股东大会确定的人员组成
C.公司逾期不成立清算组，债权人可以申请人民法院指定人员组成清算组
D.清算组代表公司参与民事诉讼活动

【答案】 B
31、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
32、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.asked him for money to pay the rent
B.gave him some money to do business
C.advise him to pay more attention to his studies
D.suggested that he work hard to get something

【答案】 D
33、资料：Business,academic and civic leaders in Cambridge have warned that one of Britain’s major economic growth cities is under threat unless the government acts quickly to restore trust post-Brexit.
A.The immediate action of the British government
B.continuation of free labor movements from EU countries
C.An increase in the foreign talents’ wages
D.New policies that protects foreign talents’ rights

【答案】 C
34、在管理方格理论中，（9，1）对应的是（　　）领导方式。
A.团队性
B.任务型
C.乡村俱乐部型
D.中庸指导型

【答案】 B
35、下列各项中，既包含在M0中，又包含在M1中的是（　　）。
A.流通中的现金
B.农村存款
C.企业单位活期存款
D.城乡居民储蓄存款

【答案】 A
36、古希腊智者学派的出现，表明人类第一次意识到自己是自身所属社会的审判者，人有资 格、有力量，也有权利重新规范自己的生活，这是原始宗教和自然统治之下人类自我意识 的第一次觉醒，是西方人文精神的起源。这种理论是（ ）。
A.水是万物的本原
B.感觉即知识
C.人是万物的尺度
D.知识即美德

【答案】 C
37、要折叠一批纸飞机，若甲单独折叠要半个小时完成，乙单独折叠需要45分钟完成。若两人一起折，需要多少分钟完成？（　　）
A.10
B.15
C.16
D.18

【答案】 D
38、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
39、 The majority researcher tend to use the methods which are______or consistent with their prior work.
A.feasible
B.probable
C.possible
D.capable

【答案】 A
40、金某与妻子叶某于2013年6月4日在明华小区租了一套房子居住，与房东书面约定租期为2013年6月5日至2015年5月10日，并按时交付租金。2014年11月3日，金某遭遇交通事故意外身亡。则在租赁期间（　　）。
A.叶某可以按原租赁合同租赁该房屋
B.叶某若继续租赁房屋，须重新订立租赁合同
C.原租赁合同终止，不得继续租赁该房屋
D.叶某必须按原租赁合同租赁该房屋

【答案】 A
41、有一批书要翻译，如果甲单独翻译需要22天，如果是乙单独翻译需要11天。现在甲先翻译一天，乙接着翻译一天，然后甲再翻译一天……如此以后，翻译完这批书需要（　　）天。
A.16
B.15
C.17
D.14

【答案】 B
42、Passage 2
A.Global temperatures affect the rate of economic development
B.Rates of death from illnesses have risen due to global warming
C.Malnutrition has caused serious health problems in poor countries
D.onomic trends have to do with population and natural disasters

【答案】 B
43、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.固定汇率制
B.浮动汇率制
C.盯住汇率制
D.有管理的浮动汇率制

【答案】 C
44、Passage 1
A.introduce a new course to students
B.help students learn about investment
C.teach how to apply for a credit card
D.encourage students’personal savings

【答案】 B
45、Students have show that travelers benefit financially ____ being able to make their own fight and hotel reservations.
A.for
B.about
C.plus
D.from

【答案】 D
46、Recent decades have witnessed increased globalization of the world economy associated with economic and financial______among countries。
A.integration
B.corporation
C.harmony
D.conflict

【答案】 A
47、Passage 6
A.a dramatic reduction of its scale
B.its wrongly-directed implementation
C.the government’s reluctance to back it
D.an unreasonable price for enrollment

【答案】 D
48、 下列不属于经济法的宏观调控制度的是（　　）。
A.财税调控制度
B.金融调控制度
C.计划调控制度
D.反垄断制度

【答案】 D
49、资料：Stress is a common factor in life. Children experience stress from school, new social situations and simply growing up. Adults feel the stress of working, paying bills, raising kids and maintaining households. Seniors also feel stress, even though some may have retired, raised their children and paid off their homes. Certain amounts of stress are a part of life for people of all ages.
A.Stress is experienced by everyone
B.Stress is common and can be detected
C.Stress cannot be prevented
D.Stress is everywhere and hard to deal with

【答案】 B
50、下列语句中，没有语病的一项是（　　）。
A.通过识别声音就可以判断出一个人是否感染了病毒，这听起来像是东方夜谭，但这也是事实。
B.一把椅子，加上“人体工学”四个字，就能卖三四千，甚至是八九千元，一万多元左右的超级高价也不鲜见。
C.一百多个科研单位的技术骨干云集会场，就不同领域的问题展开了热烈的讨论。
D.金医生归来后，护士们蜂拥而至，热情地在办公室里向他问候。

【答案】 A
51、无差率曲线为斜率不变的直线时，表示相结合的两种商品是（　　）。
A.正相关的
B.互不相关的
C.互补的
D.完全替代的

【答案】 D
52、Now that we have an escaped political prisoner on the ______,everybody is fighting shy of having anything to do with people like you.
A.loose
B.release
C.slack
D.relax

【答案】 A
53、某公司测算，若采用银行业务集中法，增设收账中心，可使公司应收账款平均余额由现在的800万元减至600万元，每年增加相关费用15万元。该公司年综合资金成本率为10%， 则（）。
A.该公司应采用银行业务集中法
B.该公司不应采用银行业务集中法
C.不应采用银行业务集中法而应采用邮政信箱法
D.无法确定

【答案】 A
54、Our new product will be put through a number of（　　）tests before being released to the public.
A.dependent
B.founded
C.withhold
D.stringent

【答案】 D
55、完全竞争企业面临的需求曲线的需求价格弹性为（　　）。
A.大于零的常数
B.非零常数
C.无限大
D.零

【答案】 C
56、资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
A.allowed, without
B.banned, with
C.allowed, with
D.banned, without

【答案】 A
57、2020年4月16日电，商务部会同中央网信办、工业和信息化部联合认定了首批12家国家数字（　　），这将有利于加快数字贸易发展和数字技术应用，培育贸易新业态新模式，实现服务贸易高质量发展。
A.贸易示范区
B.经济创新发展试验区
C.服务出口基地
D.经济产业区

【答案】 C
58、在银行发放贷款的情况下，货币作为价值运动的独立形式从银行单方面转移到借款人．这时货币执行的职能是（　　）。
A.价值尺度
B.支付手段
C.流通手段
D.贮藏手段

【答案】 B
59、资料：It’s almost considered sacrilegious today to leave work at the end of your workday or（for shame！）on a Friday and simply not check your work email again until you return the office during normal working hours。
A.Because they never know what kind of work requests will be asked off hours
B.Because they are required by the company to answer emails off hours
C.Because smart phones and tablets keep us connected all the time
D.None of above

【答案】 A
60、从布雷顿森林体系崩溃以来，国际储备最明显的变化是（　　）。
A.美元是唯一的储备货币
B.英镑是唯一的储备货币
C.黄金是最重要的储备资产
D.国际储备资产多元化

【答案】 D
61、（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
62、A公司于10月20日向B公司发出一项要约，欲向其购买材料一批，第二天因为发生安全事故公司停产，便想反悔，10月23日发出撤回通知。要约于10月26日到达B公司。27 日，B公司正在组织讨论是否应该接受这个要约的时候，撤回通知到达。则（ ）。
A.要约有效，撤回通知后于要约到达，未被撤回
B.要约有效，要约未被撤销
C.要约无效，要约已被撤回
D.要约生效，要约已被撤销

【答案】 D
63、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.The natural function of our brain
B.The other ways to make the benefits of action feel bigger and real
C.The other ways to make the benefits of action feel smaller and unreal
D.The perils of procrastination

【答案】 B
64、She can do it herself;it is（　　）easy（　　）ABC.
A.rather...than
B.more...than
C.not as much...as
D.as...as

【答案】 D
65、某班有50人，其中有42人会打乒乓球，40人会打篮球，38人会打排球，35人会打羽毛球，则这个班至少有多少人这四项球类都会打？（　　）
A.2
B.3
C.4
D.5

【答案】 D
66、Fossil fuels are