2026年备考银行招聘之银行招聘综合知识高分题库附答案.docx

2026年备考银行招聘之银行招聘综合知识高分题库附精品答案

单选题（共150题）
1、公共物品消费的性质是（ ）。
A.非竞争性和非排他性
B.非竞争性和排他性
C.竞争性和非排他性
D.竞争性和排他性

【答案】 A
2、Only when humanity began to get its food in a more （ ） way was there time for other things, like sports games and entertainment activities.
A.predictive
B.provocative
C.protective
D.productive

【答案】 D
3、Tom!You（　　）on the phone just now,but you（　　）in.
A.wanted,were
B.are wanted,are
C.were wanted,weren’t
D.called,aren’t

【答案】 C
4、银行同业拆借以( ）拆借为主。
A.6个月
B.4个月
C.隔月头寸
D.隔夜头寸

【答案】 D
5、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
6、She was very____of our efforts to help.
A.appreciating
B.appreciative
C.appreciate
D.appreciable

【答案】 B
7、资料：Changing careers is becoming more popular. Not just because there are more career options available, but also out of necessity. As new industries arise, others die. It's up to you to figure out if your career is still going to be around in the next 5-10 years. Some studies say we could have as many as nine careers in our professional lifetime. Which begs the question: do you know what it takes to successfully change career lanes repeatedly?
A.You want to try something new
B.You want to make a difference and prove yourself
C.You need to make more money to buy a house
D.You need to relocate

【答案】 A
8、通货紧缩的成因不包括（ ）。
A.生产能力过剩
B.货币供应量急剧减少
C.政府紧缩财政政策
D.社会总需求的过度增长

【答案】 D
9、在安索夫产品／市场矩阵中，（　　）即市场渗透。
A.现有市场——新产品
B.新市场——新产品
C.现有市场——现有产品
D.新市场——现有产品

【答案】 C
10、Passage 10
A.takes away babies’appetite
B.distracts children's attention
C.slows down babies’verbal development
D.reduces mother-child communication

【答案】 D
11、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.To create more job positions for foreign talents
B.To comfort existing foreign talents
C.To attract new talents
D.To stimulate local economy

【答案】 B
12、资料：Desktop Support for Private Equity Firm in Midtown
A.Customer service skills
B.Rich expression
C.Knowledge of computer hardware
D.Knowledge of network printer installation

【答案】 B
13、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
14、11，12，9，2、-9，（　　）
A.-36
B.-24
C.-18
D.-10

【答案】 B
15、Although the great white shark has a fearsome ______，in a straight fight，it is outclassed by the killer whale.
A.reputation
B.imagination
C.aggression
D.acquisition

【答案】 A
16、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.
A.the sleeper’s wishes
B.the sleeper’s imagination
C.the sleeper’s feeling
D.the sleeper’s own mind

【答案】 D
17、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.Customers are forced to share their bank data
B.Banks are required to open up their entire operational system
C.Regulators should be both tough and flexible
D.Banks and third parties should be regulated with a light touch

【答案】 C
18、在商业银行经营管理原则中，流动性、安全性与盈利性成（ ）关系。
A.反比
B.正比
C.对比
D.一致

【答案】 A
19、Most economic data,____regarding hiring is positive.
A.completely
B.exclusively
C.particularly
D.specifically

【答案】 D
20、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
21、资料：What if you were told there was a way you may strengthen your cognitive skills and heighten your intelligence, and all you had to do was was learn to strike up basic conversations in another language?
A.hard work with little progress
B.long hours of tiring learning
C.great pronunciation in a sudden
D.boring memorization

【答案】 C
22、电脑以其卓越的性能，可以代替人们完成复杂而繁重的某些工作。如两名美国科学家用电脑做完了200亿个逻辑判断，终于证明了“四色定理”。这一事实说明（）。
A.电脑能模拟人脑的思维
B.电脑的思维将指挥人脑的思维
C.电脑的思维将超越人脑的思维
D.电脑的思维能完全代替人脑的思维

【答案】 A
23、下列反映国民经济发展的指标中，属于数量指标的是（ ）。
A.国内生产总值
B.人均国内生产总值
C.国内生产总值增长速度
D.国家财政收人占国内生产总值的比重

【答案】 A
24、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?
A.To show that e-government will add new costs
B.To show that the e-government is useless in some cases
C.To show that physical stations are not functioning well
D.To show that the e-government will replace physical stations

【答案】 A
25、It is difficult to know why a work of art produces some emotions，but it has been known for a very long time that paintings，music and poetry have the power to touch us，to repel us and to______intense pleasure or displeasure.
A.rise
B.arise
C.raise
D.arouse

【答案】 D
26、下列选项中2008年1月1日起实施的《全国年节及纪念日放假办法》新增加的国家法定节日不包括（ ）。
A.重阳节
B.清明节
C.中秋节
D.端午节

【答案】 A
27、The fast-growing Chinese market has been a source of______opportunities for businesses。
A.considerable
B.considering
C.considered
D.considerate

【答案】 A
28、He felt so cold that he kept trembling （ ） unable to endure it any more.
A.as for
B.as well
C.as if
D.as long as

【答案】 C
29、资料：International Federation for Scientific Research
A.To invite a researcher to speak at a convention
B.To recommend an academic article
C.To encourage a member to attend a conference
D.To ask a scientist to post research data to a Web site

【答案】 C
30、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
31、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.Promising
B.Skeptical
C.Supportive
D.Neutral

【答案】 B
32、准货币是指（ ）。
A.M1
B.M2
C.M3
D.M2-M1

【答案】 D
33、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
34、《党政机关公文处理工作条例》规定的公文种类有（　　）。
A.14种
B.13种
C.15种
D.17种

【答案】 C
35、在金融衍生工具中，（　　）的风险最大。
A.互换
B.期权
C.期货
D.远期

【答案】 D
36、It would be______exploring students' epistemic beliefs regarding course-related information located on the Internet.
A.worthwhile
B.worth
C.while
D.worthy

【答案】 A
37、商业银行的经营是指对其所开展的各项业务活动的（ ）。
A.组织和控制
B.组织和营销
C.控制和监督
D.计划和组织

【答案】 B
38、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
39、最广义的投资银行定义是指（ ）。
A.任何经营华尔街金融业务的银行
B.指经营一部分或者全部资本市场业务的金融机构
C.投资银行是指经营资本市场某些业务的金融机构
D.在一级市场上承销证券筹集资本和在二级

【答案】 A
40、 依照我国法律规定，下列财产为按份共有的是（　　）。
A.夫妻共有财产
B.家庭共有财产
C.甲、乙分别出资3万元和4万元共同购买的财产
D.共同继承的财产

【答案】 C
41、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.To require an instant respond for after-hour emailing
B.To abandon after-hour emailing
C.To tell employees that an after-hours email doesn't necessarily require a response
D.To limit the time of after-hour emailing

【答案】 D
42、下列选项中2008年1月1日起实施的《全国年节及纪念日放假办法》新增加的国家法定节日不包括（ ）。
A.重阳节
B.清明节
C.中秋节
D.端午节

【答案】 A
43、 银行存款日记账是根据（　　）逐日逐笔登记的。
A.银行存款收、付款凭证
B.转账凭证
C.库存现金收款凭证
D.银行对账单

【答案】 A
44、Never（　　）forget the day when（　　）together with you.
A.shall I;I lived
B.shall I;did I live
C.I shall;I lived
D.I shall;did I live

【答案】 A
45、中央银行以行政命令或其他方式，从质和量两个方面对金融机构尤其是商业银行的信用活动进行控制，这种货币政策工具是（　　）。
A.消费信用控制
B.道义劝告
C.直接信用控制
D.窗口指导

【答案】 C
46、久期分析也称为持续期分析或期限弹性分析，是衡量利率变动对银行（　　）影响的一种方法。
A.当期收益
B.风险水平
C.资本充足率
D.整体经济价值

【答案】 D
47、Passage 2
A.Customers are more likely to enjoy more innovative services
B.People will no longer go to banks to deposit their money
C.Service providers do not want to partner with banks
D.People will receive more pension

【答案】 A
48、下列哪个选项不在世界四大文明古国之列？（ ）
A.巴比伦
B.雅典
C.埃及
D.印度

【答案】 B
49、资料：Desktop Support for Private Equity Firm in Midtown
A.Supporting PC hardware
B.Installing and upgrading hardware
C.Bringing repaired PCs to customers
D.Imaging and configuring desktops and laptops

【答案】 C
50、名义利率、通货膨胀率、实际利率三者之间的关系正确的是（　　）。
A.名义利率>通货膨胀率>实际利率
B.名义利率>实际利率>通货膨胀率
C.实际利率>通货膨胀率>名义利率
D.实际利率=名义利率一通货膨胀率

【答案】 D
51、资料：Keeping the Zeal of a Startup as You Scale
A.surprising cat
B.brilliant idea
C.evil belief
D.untraditional opinion

【答案】 D
52、马克思主义理论的来源是（　　）。
A.细胞学说、生物进化论、牛顿定律
B.英国历史哲学、德国科学主义、欧洲人文科学
C.法国唯物主义、德国经验主义、法国理性主义
D.德国古典哲学、英国古典政治经济学、英国空想社会主义

【答案】 D
53、The ______ of the international community was encouraged in solving the problems.
A.requirement
B.settlement
C.management
D.involvement

【答案】 D
54、Our new diet pill________the people who want to lose weight.
A.satisfies the need of
B.stimulate the demand of
C.arouse the interest of
D.target the market for

【答案】 A
55、The fact is that _____ is given to seniority and many people would rather be the tail of a lion than the head of a dog.
A.priority
B.focus
C.emphasis
D.attention

【答案】 A
56、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.eating food on a daily basis
B.often eating the improper foods
C.biochemical reactions in your body
D.starting to eat the right foods

【答案】 C
57、You would imagine that sleeping was a quiet and peaceful experience but in reality，our brains are more active during some stages of sleep than when we are______。
A.wake
B.awake
C.waken
D.awaken

【答案】 B
58、资料：之后，经济学家Mr.U与你讨论了一些潜在的问题，请根据下列资料回答问题。
A.It is music studio
B.It is an advertising agency
C.It is a high-street music retailer
D.It is a consulting firm

【答案】 C
59、Passage 5
A.To make a transition to a new topic
B.To work as a hook to the following paragraphs
C.To provide a contrast to the preceding paragraphs
D.To offer supporting evidence to the preceding paragraph

【答案】 D
60、保险合同是投保人与保险人约定保险权利义务关系的协议，是一种（）。
A.民事合同
B.刑事合同
C.不具有法律关系的民事合同
D.不能转让的合同

【答案】 A
61、______ that the pilot couldn’t fly through it.
A.The storm so severe was
B.So severe was the storm
C.So the storm was severe
D.Such was the storm severe

【答案】 B
62、 我国商业银行会计信息披露新的发展趋势是（　）。
A.已逐渐从会计报表披露为主转向其他财务会计报告披露的新的发展阶段
B.已逐渐从会计报表、会计报表附注及其他财务会计报告共同披露转向会计报表披露为主的新的发展阶段
C.已逐渐从会计报表披露为主转向会计报表附注披露的新的发展阶段
D.已逐渐从会计报表披露为主转向会计报表、会计报表附注及其他财务会计报告共同披露的新的发展阶段

【答案】 D
63、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
64、______is well known，data under-determines theories.
A.As
B.That
C.What
D.Which

【答案】 A
65、______workers are often rewarded with higher salaries and other benefits.
A.Conscience
B.Consciousness
C.Conscientious
D.Conscious

【答案】 C
66、 根据《宪法》，下列关于“财产”的表述中，不正确的一项是（　　）。
A.我国公民依法享有私有财产的继承权
B.在我国.公民享有私有财产权
C.在任何情况下。国家可以依法征用公民的私有财产
D.在一定情况下.国家可以征收公民的私有财产

【答案】 C
67、I never imagined that she could walk（　　）far,7 miles per day!.
A.as
B.such
C.that
D.very

【答案】 C
68、下列不属于衍生工具的是（　　）。
A.期货
B.股票
C.掉期
D.期权

【答案】 B
69、下列是由综合型银行改革为单一职能的中央银行的是（ ）。
A.中国人民银行
B.法兰西银行
C.美国联邦储备体系
D.英格兰银行

【答案】 A
70、帕累托最优条件不包括（ ）。
A.效率问题
B.社会问题
C.生产问题
D.分配问题

【答案】 D
71、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.was the first woman doctor
B.and several other women founded the first hospital for women children
C.became the first woman physician
D.set up the first medical school for women

【答案】 A
72、在影响需求价格弹性的因素中，时间因素与商品需求价格弹性大小的关系是（　　）。
A.两者间的关系需要根据具体商品才能判定
B.时间越长，商品需求价格弹性越小
C.时间越短，商品需求价格弹性越小
D.两者间不存在任何关系

【答案】 A
73、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。
A.Globalization is a business strategy that means doing everything the same everywhere
B.Globalization is a shift in traditional patterns of international production, investment, and trade
C.Globalization is interconnections between different interests of business and society
D.Globalization is the absence of borders and barriers to trade between nations

【答案】 C
74、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
75、保险合同是投保人与保险人约定保险权利义务关系的协议，是一种（）。
A.民事合同
B.刑事合同
C.不具有法律关系的民事合同
D.不能转让的合同

【答案】 A
76、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
77、下列叙述正确的是（ ）。
A.CPU能直接读取硬盘:h的数据
B.CPU能直接读取内存储器中的数据
C.CPU由存储器和控制器组成
D.CPU主要用来存储程序和数据

【答案】 B
78、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, u