2026年备考银行招聘之银行招聘综合知识全真模拟考试试题（备用卷）含答案.docx

2026年备考银行招聘之银行招聘综合知识全真模拟考试试题（备用卷）含答案

单选题（共150题）
1、2019年5月30日，作为牵头簿记管理人和联席主承销商，中国银行协助（　　）政府发行20亿元熊猫债券，期限3年，获得约63.3亿元认购，票面利率4.09%。其中，境内投资人占比51.5%，境外投资人占比48.5%。本期债券是（　　）政府首次发行以人民币计价的国债，也是首个欧元区国家进入中国大陆市场发行“熊猫债”。
A.西班牙
B.意大利
C.德国
D.葡萄牙

【答案】 D
2、Passage 4
A.train staff for world-famous firms
B.offer job opportunities to young adults
C.provide youth with unique experiences
D.equip the unemployed with different skills

【答案】 C
3、（　　）是不可以用于异地结算的结算工具。
A.托收承付
B.本票
C.支票
D.银行卡

【答案】 B
4、Henry found it difficult to get his British jokes（　　）to Chinese audience.
A.across
B.deal
C.over
D.down

【答案】 A
5、一次校友聚会有35人参加，在参加联欢会的同学中，每个女生认识的男生人数各不相同，而且恰好构成一串连续的自然数，最多的全认识，最少的也认识12个，这次聚会有（　　）个女生。
A.24
B.13
C.12
D.无法确定

【答案】 C
6、属于我国二级重点保护动物的是（　　）。
A.金丝猴
B.长臂猿
C.小熊猫
D.大熊猫

【答案】 C
7、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
8、下列哪一种情况，可越权批办文件？（ ）
A.经过授权
B.避免积压
C.急需处理
D.属一般性文件

【答案】 A
9、Education about consumption taxes is more likely to boost growth，______the growth effects of income and capital taxes are ambiguous。
A.if
B.when
C.while
D.for

【答案】 C
10、中国人民银行发布的2019年第三季度中国货币政策执行报告称，当前，中国仍实施常态货币政策。央行通过创新和完善宏观调控，运用多种货币政策工具，保持流动性合理充裕；加大货币政策逆周期调节力度，通过改善货币政策传导机制，落实金融对实体经济的支持。
A.央行从市场收回流动性的操作
B.央行向市场上投放流动性的操作
C.发行中央银行票据的操作
D.央行现券交易的操作

【答案】 B
11、Passage 4
A.the visit to the United Kingdom was amazing
B.Kieran has made great progress in many aspects
C.the youth have found a way to solve their problems
D.the mentoring sessions are held every day except Friday

【答案】 B
12、影响金融市场长期走势的唯一因素是（ ）。
A.宏观经济因素
B.行业发展状况
C.企业经济效益
D.国际经济形势

【答案】 A
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.noting is true with the phenomenon that young people died of cyberbullying
B.the claim that young people cannot imagine living to the next day is not the fact
C.research shows that suicidal ideations are caused more by the online bullying
D.many young people take their own lives not online but in reality

【答案】 A
14、按照保险对象的不同可将保险分为（　　）。
A.人身保险与财产保险
B.自愿保险与强制保险
C.保险与再保险
D.信用保险与人身保险

【答案】 A
15、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.
A.Expanding its business to foreign countries
B.Taking a leading role in the industry
C.Developing high-tech products
D.Offering consumers good user experience

【答案】 A
16、资料：Early Experiences
A.You should separate new and mature customers in testing your products
B.Approximate customers are equally valuable as real users
C.Salespeople have a lot of customer contact, so they have the same motivations as customers
D.Usability test aims to please the customers

【答案】 D
17、The number of the disabled Americans went up for so long that the trend of falling out of the labor force seemed like it might be______。
A.adequate
B.concrete
C.practical
D.permanent

【答案】 D
18、下列筹资方式中属于混合筹资方式的是（　　）。
A.认股权证筹资
B.发行可转换债券
C.吸收直接投资
D.融资租赁

【答案】 B
19、小明认为：由于今年气温比去年同期要高，因此今年的蚊虫要比去年更多。
A.高温天气有利于蚊虫繁殖
B.今年的蚊虫格外多
C.去年的蚊虫并不多
D.高温天气容易导致食物腐烂

【答案】 A
20、目前我国票据贴现业务的主要票据是（ ）。
A.支票
B.银行本票
C.商业承兑汇票
D.银行承兑汇票

【答案】 D
21、导致需求曲线发生位移的原因是（　　）。
A.因价格变动，引起了需求量的交动
B.因供给曲线发生位移，引起了需求量的变动
C.影响需求量的非价格因素发生交动，而引起需求关系发生了变动
D.因社会经济因素发生变动引起产品价格的变动

【答案】 C
22、 下列各项中属于效率比率的是（　　）。
A.资产负债率
B.速动比率
C.成本利润率
D.流动资产占总资产的比率

【答案】 C
23、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
24、 下列不属于限制竞争行为的是（　　）。
A.某县文化局限定所有的中小学必须购买某一经营者的文化用品
B.某省政府最近下发一通知，所有购买外地商品的本地商品经营者必须支付购买税
C.某县邮电局通告全县人民，所有想装电话的用户必须从邮电局购买电话机
D.某电影院进行有奖看电影，最高奖是一辆价值8000元的摩托车

【答案】 D
25、资料：The increasing amount of personal information that can be collected by computer programs that track how people use Facebook has been revealed by an extensive academic study.
A.The study draws people’s attention for private information
B.information can be predicted correctly in the study
C.some personal information may be collected and used by some companies
D.if people attempt to keep personal information private, things will change

【答案】 C
26、狭义的国际金融市场是指（　　）。
A.外汇市场
B.国际资金市场
C.国际保险市场
D.国际黄金市场

【答案】 B
27、根据《民法典》规定，甲与乙对丙企业的债务同时提供保证担保，没有约定担保方式和担保份额的，丙的债权人丁可以要求甲、乙以怎样的方式承担担保责任？（　　）
A.可以要求甲或乙独立承担全部债务，担保方式为一般担保
B.可以要求甲或乙独立承担全部债务，担保方式为连带担保
C.只能要求甲、乙分别承担一半债务，担保方式为一般担保
D.只能要求甲、乙分别承担一半债务，担保方式为连带担保

【答案】 A
28、我国现行劳动争议处理制度为（　　）。
A.一调一裁两审制
B.两审终审制
C.一调一裁制
D.调解制度

【答案】 A
29、It is important to know what colors look good（　　）your skin before you buy clothes.
A.for
B.upon
C.against
D.with

【答案】 C
30、We received the ___ indicating the amount of money I had paid.
A.quittance
B.refund
C.retention
D.progeny

【答案】 A
31、把下列句子组成语意连贯的语段，排序最恰当的一项是（　　）。
A.（4）（1）（5）（3）（2）
B.（4）（3）（5）（1）（2）
C.（5）（1）（2）（4）（3）
D.（5）（3）（4）（1）（2）

【答案】 A
32、2012年是中国银行成立（ ）周年。
A.90
B.100
C.110
D.80

【答案】 B
33、“沉鱼落雁”“闭月羞花”用以形容古代四大美女，下列形容古代四大美女与其关系对应不正确的是（　　）。
A.沉鱼——西施
B.落雁——王昭君
C.闭月——赵姬
D.羞花——杨玉环

【答案】 C
34、Passage 6
A.stupid
B.polite
C.considerate
D.annoying

【答案】 D
35、Training includes practical experience working on a range of aircraft on campus including a______Boeing aircraft owned by the school.
A.broken
B.functioning
C.used
D.skeleton

【答案】 B
36、You can send and retrieve___many files as you want to a message-up to 1MB（1024K） of attachments.
A.too
B.such
C.so
D.as

【答案】 D
37、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
38、Her parents insist that she____alone.
A.live
B.lives
C.lived
D.is living

【答案】 A
39、Your suggestion could only make things worse____.
A.if anything
B.if everything
C.if nothing
D.if something

【答案】 A
40、Passage 3
A.They think of it as a good tourist destination
B.They feel contemptuous of it
C.They regard it as a superpower on the decline
D.They are sympathetic with it

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

【答案】 B
42、____of the twins has passed the examination.
A.Neither
B.Every
C.All
D.Both

【答案】 A
43、Passage 1
A.It is widely used to compare the economic growth across countries
B.It revolutionizes the way of measuring ordinary people's livelihood
C.It focuses on people's consumption rather than their average income
D.It is a more comprehensive measure of people's economic well-being

【答案】 D
44、民法调整（ ）的人身关系和财产关系。
A.平等主体的公民之间、法人之间、公民和法人之间
B.法人之间
C.公民和法人之间
D.公民之间、法人之间、公民和法人之间

【答案】 A
45、下列各项中，哪一项是最能衡量股东利润最大化的指标？（　　）
A.资本利润率
B.资产利润率
C.销售利润率
D.股权分红率

【答案】 D
46、（ ）is believing.
A.Seeing
B.Seen
C.To be seeing
D.To see

【答案】 A
47、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
48、 会计是一种反应和监督主体经济活动的经济管理工作，它的主要计量单位是（　　）。
A.实物
B.货币
C.价值
D.劳动

【答案】 B
49、资料：Memo
A.It is the most expensive book on the list
B.It is written on the same topic as is Ms.Karl’s book
C.It first appeared on the list three weeks ago
D.It has fallen in popularity since last week

【答案】 D
50、在我国为地方经济发展服务，为中小企业发展服务的商业银行是（ ）。
A.农村商业银行
B.股份制商业银行
C.国有控股商业银行
D.城市商业银行

【答案】 D
51、资料：Keeping the Zeal of a Startup as You Scale
A.startup company that maintains its original quality in the process of scaling up
B.An insurgent company that turned into an incumbent company
C.An insurgent company that managed to make steady profits
D.startup company that succeeded in scaling up

【答案】 A
52、国务院总理温家宝2012年3月5日向十一届全国人大五次会议作政府工作报告时提 出，2012年中央财政已按全国财政性教育经费支出占国内生产总值的（ ）编制预算，地方财 玫也要相应安排，确保实现这一目标。这意味着该目标自1993年提出以来我国有望首次实现这一承诺。
A.3%
B.4%
C.2.8%
D.3. 5%

【答案】 B
53、某公司一台机器使用期满决定报废。该机器原价500000元，己计折旧470000元，已计提减值准备15000元，在清理过程中支付清理费2000元，残料变卖收入20000元，不考虑相关税费，该机器的清理净收益是（　　）。
A.18000
B.3000
C.5000
D.10000

【答案】 B
54、资料：Directions : There is 1 passage in this part. The passage is followed by some questions or unfinished statements. For each of them there are four choices , You should decide on the best choice.
A.It is a whole new technique Apple Inc. applied on iPhone X
B.It has started a revolution in computer-vision industry
C.It has a problem of revocation
D.It has embedded security mechanisms to secure the data on the phone

【答案】 B
55、工作中，有些管理者发现，虽然把信息传递下去了，但员工执行时总会走样。从沟通角度看，这是因为（　　）。
A.只有（1）和（3）
B.只有（2）和（3）
C.只有（1）和（2）
D.三项都对

【答案】 D
56、计算机硬件的五大基本构件包括运算器、存储器、输入设备、输出设备和（　　）。
A.显示器
B.控制器
C.磁盘驱动器
D.鼠标器

【答案】 B
57、I hope we can fly to_____moon oneday.
A.a
B.an
C.the
D./

【答案】 C
58、重点向国家基础设施、基础产业和支柱产业项目以及重大技术改造和高新技术产业化 项目发放贷款的银行是（ ).
A.中国建设银行
B.国家开发银行
C.中国进出口银行
D.中国农业发展银行

【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.They are inconsistent about the attitude toward after hours emails
B.They both push the employees to be available all the time
C.They are consistent about the attitude towards after hours emails
D.They both don’t mean to stress the employees out

【答案】 A
60、资料：Earlier this month, presidents Barack Obama of the US and Xi Jinping of China made an important symbolic gesture when they committed their countries, the two largest greenhouse gas emitters, to the Paris climate agreement. It was the clearest signal yet to investors worldwide that they need to think about the implications of global warming for their portfolios.
A.Stop the Dakota Access permanently
B.Join the Paris climate agreement
C.Require federal agencies to take climate change into consideration when making decisions
D.Suspend the construction of Dakota Access

【答案】 A
61、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
62、资料：Anything that affects the smooth flow of information is known as noise. This might be, for example, the language used,an in appropriate use of technology or the different levels of skill and knowledge of the sender and receiver. For example, every day in the press and on TV, consumers are bombarded with often confusing or contradictory information about the health benefits or risks associated with different foods. Consumers may not have enough understanding or information to judge between conflicting messages. It is therefore not surprising that many people do not hear these messages and switch off.
A.positive press articles
B.the different levels of skill and knowledge of the sender and receiver
C.the language used
D.an inappropriate use of technology

【答案】 A
63、资料：Early Experiences
A.To determine whether the product is user-friendly
B.To see if the process is simple enough for users to understand
C.To learn about users' perspective
D.To cancel a process or navigate to a specific function or location

【答案】 D
64、资料：October 20,2013
A.Product Release
B.Dancing
C.Presentations
D.Discussions

【答案】 B
65、实行混业经营集中监管的国家，对银行机构业务经营的范围（ ）。
A.实行严格的限制
B.实行一定程度的限制
C.基本没有限制
D.完全没有限制

【答案】 B
66、资料：As a startup founder, my daily tasks include everything from long-term strategic planning to approving team outings and company culture initiatives. Day after day, things inevitably come up that need to get handled ASAP. But I’ve also learned that if you don’t have a strategy for making time for those bigger ambitions and your truly lofty goals, they’ll simply never get done. And that means you won’t make the progress that’s really going to move your business forward.
A.You have to be readily available in the office
B.People cannot work in a vacuum
C.People in the office love helping others
D.Sometimes we have to decline colleagues’ requests

【答案】 D
67、Problems ______ if the parents approach to discipline is inconsistent.
A.reach
B.arise
C.anchor
D.seize

【答案】 B
68、下列关于我国地理常识的说法，正确的是（　　）
A.以北京、天津、唐山为中心的京津唐地区是我国最大的综合性工业基地
B.中国稀土的储量和产量均居世界首位
C.准噶尔盆地位于新疆境内，在天山以北，是我国最大的盆地
D.海南省有“东方夏威夷”的美称，简称“琼”，省会是三亚

【答案】 B
69、股票是（　　）。
A.可以随时收回的股金凭证
B.投资入股和按期获得股息收入的凭证
C.一般贷款取得利息的凭证
D.没有价值不能买卖的无价证券

【答案】 B
70、Writing out all the invitations by hand was more time-consuming than we（　　）.
A.will expect
B.are expecting
C.expect
D.had expected

【答案】 D
71、Passage 9
A.the application of reading strategies
B.matching our expectations with the meaning of a text
C.the development of our ability to check the details
D.determining the main idea of a text

【答案】 A
72、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