2020-2025年银行招聘之银行招聘综合知识通关题库(附带答案).docx

2020-2025年银行招聘之银行招聘综合知识通关题库(附带答案)

单选题（共360题）
1、在Exce1中，（　　）函数可以计算工作表中一串数值的和。
A.SUM
B.AVERAGE
C.MIN
D.COUNT

【答案】 A
2、对同一借款客户的贷款佘额与商业银行资本余额的比例不得超过（ ）。
A.5%
B.8%
C.10%
D.15%

【答案】 C
3、组织是管理的基本职能之一,它是由（ ）三个基本要素构成。
A.目标、原则和结构
B.目标、部门和关系
C.目标、部门和效率
D.目标、部门和人员

【答案】 B
4、下列有关国内生产总值的表述，正确的是（ ）。
A.③④
B.①④
C.②③
D.①②④

【答案】 B
5、某企业从外地购进甲种材料，买价3200元，外地用杂费120元，那么该材料实际成本是（　　）。
A.3320
B.3200
C.120
D.3080

【答案】 A
6、在1月18日凌晨结束的2021斯诺克大师赛决赛中，20岁的中国球员（　　）战胜英国名将约翰·希金斯夺冠，成为历史首位“00后”大师赛冠军。
A.颜丙涛
B.颜振涛
C.丁俊辉
D.王涛

【答案】 A
7、下列各类计算机程序语言中，不属于高级程序设计语言的是（　　）。
A.Visual
B.sicBFORTRAN语言
C.Pascal语言
D.汇编语言

【答案】 D
8、国家税务总局近日印发通知，要求全国税务系统贯彻落实好各项减税降费政策，确保企业和人民群众有实实在在的获得感，提振市场信心，促进经济实现高质量发展。据介绍，国家税务总局专门设立（　　），负责集中受理和协调解决中小微企业涉税诉求。通知要求，各省税务机关也要指定专门部门、安排专人负责中小微企业服务工作。2019年上半年，国家税务总局将以小微企业普惠性减税等政策落实情况为重点，组织开展减税降费工作督导。
A.小微企业咨询点
B.小微企业办事中心
C.小微企业服务处
D.小微企业优惠中心

【答案】 C
9、资料：Star Airways, Mumbai's dominant airline for the past five years, has reported it is planning to replace its entire aircraft fleet with European-produced Skystream jets. Starting with an initial purchase of 90 jets, Star Airways expects the changeover to take a decade to complete. The new planes will enable the airline to expand its international routes as well as provide replacements for its aging fleet of jet planes. Star Airways and Skystream, in a joint announcement at the Brussels Air Show on Thursday, said that the order included seventeen of the new AWB85O aircraft. This will make Star Airways the first Indian carrier to fly the AWB850, an aim it has had since the powerful jets were first produced.
A.Seventeen years
B.Ten years
C.Five years
D.Three years

【答案】 B
10、1938年，德国人（　　）在用中子轰击铀核时，首次发现了原子核的裂变现象，并放出薪的中子。
A.哈恩
B.查德威克
C.卢瑟福
D.麦克斯韦

【答案】 A
11、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
12、美国历史上首位华裔驻华大使是（ ）。
A.赵小兰
B.张之香
C.骆家辉
D.朱棣文

【答案】 C
13、Dated back to the middle of 16 century,Wales in Great Briton made a educational policy that free,tax-supported schools must be established in every town （ ）100 households or more.
A.having
B.to have
C.to have had
D.having had

【答案】 A
14、以下哪种情形会使货币需求增加？（　　）
A.商品和劳务供给量减少
B.银行存款利率升高
C.物价水平上升
D.货币流通速度加快

【答案】 C
15、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
16、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.To ask for help from the shop assistants
B.To show the written promise by the company
C.To post it online
D.To complain to the company

【答案】 B
17、中长期贷款，为了使借贷双方承担的利率风险较小，一般都倾向于选择（　　）。
A.浮动利率
B.固定利率
C.市场利率
D.复利

【答案】 A
18、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
19、Passage2
A.who has not been instructed how to use a life preserver
B.who has a little experience in using a life preserver
C.who uses a life preserver without permission
D.who becomes nervous before a disaster

【答案】 A
20、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
21、We explicitly make allowance for the fact that production
A.confines
B.conforms
C.ceases
D.continues

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

【答案】 D
23、Passage 5
A.brought about a rapid growth of industry and farming in the west
B.attracted many visitors to the construction sites
C.attracted laborers from Europe
D.encouraged people to travel all over the country

【答案】 A
24、The______goal of the project is to expand the scientific knowledge relevant to improving health outcomes for women and children in low income countries.
A.entire
B.total
C.target
D.overall

【答案】 D
25、 审计人员一般运用（　），审查以外埠存款购进的全部商品、材料和其他物品，看其有无超出采购存款的用途。
A.详查法
B.盘点法
C.抽查法
D.询问法

【答案】 A
26、下列句子排序最为连贯的一项是（　　）。
A.（5）（4）（2）（3）（1）
B.（4）（3）（5）（2）（1）
C.（4）（1）（3）（5）（2）
D.（4）（2）（5）（1）（3）

【答案】 C
27、Passage 4
A.such risks are very expensive
B.such risks cannot be estimated precisely
C.such risks are too high
D.the premiums would be too high

【答案】 B
28、下列有关中国近代史上重要历史人物与其所做出的贡献，搭配不正确的是（　　）
A.左宗棠一收复新疆
B.林则徐一虎门销烟
C.李鸿章一辛亥革命
D.冯子材一镇南关大捷

【答案】 C
29、The world economy develops rapidly. As a result, longevity and life ______ have increased worldwide.
A.expected
B.expectation
C.expecting
D.expectancy

【答案】 D
30、作家与作品搭配有误的是（ ）。
A.《兰亭集序》——王羲之
B.《始得西山宴游记》——柳宗元
C.《正气歌》——文天祥
D.《柳敬亭说书》——归有光

【答案】 D
31、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
32、 记账以后，如果发现记账凭证和账簿记录的金额有错误(所记金额小于应记的正确金额)，而应借、应贷的会计科目没有错误，应用( )进行更正。
A.蓝字更正法
B.红字更正法
C.补充登记法
D.划线更正法

【答案】 C
33、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.Negative
B.Critical
C.Positive
D.Neutral

【答案】 C
34、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.More than half of people don’t have enough finances for retirement
B.quarter of people don’t take part in their company’s retirement plan
C.No one can be financially secure in retirement
D.The average person will spend 20 years in retirement

【答案】 C
35、下列表述中不符合因事设职和因人设职相结合原则的是（　　）。
A.任何组织首先是人的集合，而非是事和物的集合
B.组织中的工作最终要靠人完成，不能完全招聘社会上的人员来满足企业的所有需要
C.即一个上级直接领导与指挥下属的人数应该有一定的限制，并且应该是有效的
D.组织设计往往不是全新的，进行再度调整时，要考虑“事事有人做”而非“人人有事做”

【答案】 C
36、An in-depth understanding of this emerging phenomenon requires not just the consideration of quantitative studies, but the______of selected quantitative, qualitative and mixed-method study designs.
A.collect
B.pooling
C.pool
D.poll

【答案】 C
37、资料：（二）
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 senior can apply for reverse mortgages

【答案】 A
38、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.it is an Olympic event
B.teams compete against each other
C.mountaineers depend on each other while climbing
D.there are 5 climbers on each team

【答案】 C
39、资料：THOMAS WILSON
A.business data processing
B.software applications
C.advanced accounting
D.business law

【答案】 C
40、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.Concrete things are more attractive than the abstract things
B.The long term upside is easily dominated by short-term effort in our minds
C.We cannot avoid present bias in our brain
D.The brain can be trained to procrastinate often

【答案】 B
41、对于2018年中国房地产市场出现的房价下跌，楼市寒冬问题，从经济学角度来讲，属于（　　）事件。
A.灰犀牛
B.黑天鹅
C.黑骑士
D.白护卫

【答案】 B
42、（）是收文办理的中心环节。
A.批办
B.拟办
C.承办
D.注办

【答案】 C
43、远期合约的最大功能是（　　）。
A.方便交易
B.增加收益
C.增加交易量
D.转嫁风险

【答案】 D
44、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
45、Could I speak to（　　）is in charge of International Sales please?
A.who
B.what
C.whoever
D.whatever

【答案】 C
46、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
47、 （　）是指本网点通过计算机网络向外传送到其他银行网点的各种结算账务。
A.全国往来
B.省辖往来
C.县辖往来
D.银行往账

【答案】 D
48、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.Banking and Non-banking in the USA
B.Banks in the USA
C.Bankers in the USA
D.Banking in the USA

【答案】 B
49、下列名画按创作时间排序正确的是（　　）。
A.①②③④
B.②①④③
C.③④①②
D.④①③②

【答案】 C
50、下列关于中国航天技术的说法，不正确的是（　　）。
A.我国运载火箭均属于“长征”系列
B.中国现在已建成的航天器发射场有酒泉、西昌、西宁三处
C.中国于1970年成功发射了第一颗人造地球卫星“东方红一号”
D.“嫦娥工程”是中国启动的第一个探月工程

【答案】 B
51、关于债券收益率的说法错误的是（ ）。
A.易被赎回的债券的名义收益率比较高
B.享受税收优惠的债券的收益率比较低
C.流动性低的债券收益率较高
D.违约风险髙的债券收益率比较低

【答案】 D
52、I believe you have ______ some important points in the report.
A.left off
B.left behind
C.left out
D.left alone

【答案】 C
53、把生产资本分为固定资本与流动资本，其依据是（ ）。
A.在生产过程中不同的价值转移方式
B.在生产过程中不同的物质存在形态
C.不同部分在剩余价值生产中的不同作用
D.不同部分的不同运动速度

【答案】 A
54、下列句子中语句排列最连贯的一项是（　　）。
A.（4）（5）（3）（1）（2）
B.（5）（4）（2）（1）（3）
C.（5）（3）（4）（1）（2）
D.（4）（1）（2）（3）（5）

【答案】 B
55、Dealers often tell customers that if their car gets wrecked in a crash they could be financially harmed because regular insurance may not______the entire amount owed on the loan。
A.pay up
B.pay off
C.pay out
D.pay away

【答案】 B
56、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.The means of communication
B.The level of performance in all divisions of the company
C.The effectiveness of company policies
D.The financial reports

【答案】 C
57、The leaves have been swept into huge____.
A.pyramids
B.layers
C.heaps
D.loads

【答案】 C
58、资料：What，if anything，do we gain by clinging to our antioxidant supplements？
A.reasonable
B.untrue
C.terrible
D.fair

【答案】 B
59、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
60、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.The rise of compound annual growth rate
B.The rise of social platforms
C.The rise of sponsored content
D.The rise of publisher websites

【答案】 B
61、The only decent hotel in town had hung out a “Full House” sign, so their only choice （ ） at a small inn.
A.is to put up
B.has been to put up
C.will be put up
D.was to put up

【答案】 D
62、银行是在经济发展过程中产生的，其发展的根本动力是（　　）。
A.经济发展中的投融资需求和服务性需求
B.经济发展中对货币的需求以及对衍生信用的需求
C.社会发展中居民及机构对财富保值增值的需求
D.社会生产力发展到一定阶段的必然产物

【答案】 A
63、以下哪一项属于资本证券？（　　）
A.基金
B.支票
C.汇票
D.提单

【答案】 A
64、If we had followed his plan,we would have done the job with（　　）money and（　　）people.
A.fewer,less
B.less,less
C.less,fewer
D.fewer,fewer

【答案】 C
65、 下列属于增值税征收的事项是（　　）。
A.某公司出售办公大楼
B.某电力公司销售电力
C.某公司转让土地使用权
D.某农民销售自产农产品

【答案】 B
66、金融市场按交易性质可划分为( )。
A.发行市场和流通市场
B.国际金融市场和国内金融市场
C.有形金融市场和无形金融市场
D.拆借市场和贴现市场

【答案】 A
67、资料：With 55% of consumers' customer service interactions starting online and 63% of adults using their smartphone several times a month to seek customer service， your mobile customer service tactics are more important than ever.
A.Fast response
B.Readily accessible information
C.Optimized user surface
D.All of these above

【答案】 D
68、资料：Faces, like fingerprints, are unique. Did you ever wonder how it possible for us to recognize people? Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child or even an animal, such as a pingeon can learm to recognize faces. We all take this ability for granted.
A.psychologist
B.behaviorist
C.writer
D.sociologist

【答案】 A
69、While the preliminary research is favorable, it may take years for Bogor Pharmacouticals to develop ____ evidence of the drug’s effectiveness.
A.conclusion
B.conclude
C.conclusive
D.concludes

【答案】 C
70、资料：It’s easy to trace the evolution of the automobile.At most，we’re only talking about a few centuries of technological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.
A.Morpholoical and genetic studies helped scientists to trace unknown common ancestor of c