2026年备考银行招聘之银行招聘综合知识试题及答案一.docx

2026年备考银行招聘之银行招聘综合知识精选试题及答案一

单选题（共150题）
1、Air Bus’ world-renowned hot-section engineering______the needs of industrial gas turbine customers.
A.replies
B.answers
C.frees
D.addresses

【答案】 D
2、打开Word文档一般是指（ ）。
A.把文档的内容从内存中读出并显示出来
B.把文档的内容从磁盘调入内存并显示出来
C.为打开的文档开设一个新的空的文档窗口
D.显示并打印文档的内容

【答案】 B
3、信用是（　　）。
A.买卖关系
B.赠予行为
C.救济行为
D.借贷关系

【答案】 D
4、When asked（　　）they needed most,children said they wanted more love and care.
A.what
B.why
C.whom
D.which

【答案】 A
5、资料：FOR TWO MARKETING EXECUTIVES
A.table, oven and garment
B.wardrobe, printer and dryer
C.bedside lamp, sofa and closet
D.refrigerator, washing machine and laundry detergent

【答案】 C
6、下列不属于银行业监管原则的是( )。
A.独立监管原则
B.审慎监管原则
C.协调监管原则
D.保护投资者利益原则

【答案】 D
7、下列离散程度的测度值中，能够消除变量值水平和计量单位对测度值影响的是（　　）。
A.标准差
B.离散系数
C.方差
D.极差

【答案】 B
8、Are you going out? Yes, please lock the door when you ___ .
A.will leave
B.leave
C.have been leaving
D.will have left

【答案】 B
9、下列各项中，不具有行政主体资格的是（ ）。
A.乡镇人民政府
B.公安派出所
C.街道办事处
D.公安局法制科

【答案】 D
10、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.the government
B.both the employer and the government
C.the employer
D.the employer, the government and the media

【答案】 B
11、资料：Demystifying how social and human-like robots work is vital so that we can understand and shape how they will affect our future, Dr Hatice Gunes will tell the Hay Festival next week. (1)
A.With the development of human robot interaction, robots ae now able to communicate with humans in an effective way
B.Scientists have many challenges in developing robots, such as how to modify their appearance and behavior
C.Human emotions enable robots to win the trust from human, especially the elderly and children
D.It is important to help people understand robots in order to develop robots to human needs

【答案】 D
12、Passage 4
A.The more money we have,the more stress we have
B.Money can be of great help
C.We should try our best to earn money
D.Money is helpful in some way,but we should make full use of it

【答案】 D
13、He wants to ______ and ______ everything.
A.cover up;paint up
B.cover up; paint over
C.cover over; paint over
D.cover over; paint up

【答案】 B
14、I have been looking____your kind reply.
A.out for
B.down on
C.in on
D.forward to

【答案】 D
15、明成祖朱棣在位时期，迎来了明朝首个国力强盛的时期，下列事件中，与其有关的是（　　）。
A.洪武移民
B.靖难之役
C.废除宰相制度
D.土木堡之变

【答案】 B
16、The（　　）tough training given by our company creates strong and able sales representatives who perform well above others in the same field.
A.indifferently
B.presumable
C.completely
D.unbearably

【答案】 D
17、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.CD is automatically renewed for the same period unless having other instruction
B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal
C.CD is automatically renewed for the same period without any other instruction
D.CD is automatically renewed for the same period with permission of the bank manager

【答案】 C
18、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
19、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.It forbids customers to go
B.It helps you gain new customers
C.Because of customers are using their smartphone to seek customer service
D.It prevent losing customers entirety

【答案】 B
20、下列账务处理程序中，适合规模较小，经济业务较少类型使用的是（　　）。
A.记账凭证汇总表账务处理程序
B.汇总记账凭证账务处理程序
C.科目汇总表账务处理程序
D.记账凭证账务处理程序

【答案】 D
21、一国关境与其国境相比（　　）。
A.关境可以小于国境
B.关境可以大于国境
C.关境可以等于国境
D.以上都对

【答案】 D
22、甲与妻子乙离婚多年，二人年幼的儿子丙的抚养权归乙，但丙跟着乙母生活，甲与甲父共同在外务工，甲的祖父独自在老家居住。期间，甲因工伤死亡，留下一笔钱款，对于该笔钱款，有权继承的是（　　）。
A.甲祖父
B.乙
C.丙
D.乙母

【答案】 C
23、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.Modify its business strategy
B.Launch more marketing campaigns
C.Expand its business to other areas
D.Continue developing its mobile business

【答案】 D
24、The Brunwick Explorer is a submersible robotic vehicle designed to search for mineral deposits far ______the surface of sea.
A.behind
B.below
C.beyond
D.between

【答案】 B
25、阅读理解
A.a solid motionless object
B.certain characteristic vibrations in“ether”
C.a form fixed in space and time
D.a mass of atoms in motion

【答案】 D
26、资料：Economic performance is improving in most of the world's leading economies but is still short of a self-sustaining upswing, the Organization for Economic Cooperation and Development said on Wednesday.
A.The Russia’s 2017 economic growth forecast has been revised higher
B.The leading economies have achieved sustainable long-term growth
C.The OECD is not optimistic about China's economic growth
D.India's economic growth forecast have been upgraded

【答案】 A
27、下列句子中，没有语病的一项是（　　）。
A.送走了所有人，他才有时间坐下来，静静地思考着今天一连串发生的离奇事件，最后浮现出的便只有那一种可能了。
B.虽然这种物理状态很少见，但是有了这么一段详实生动的描写，没有谁不会想象不出的。
C.前往西方发达国家游历是一很有意义的事情，通过游历，使我受到了极大的收获。
D.睡眠要占去一个人一生中三分之一的时间，因此，充分的睡眠，对生理有极其重要的作用。

【答案】 D
28、（　　）股份相对固定，一般不向投资者增发新股或赎回旧股。
A.公司型基金
B.契约型基金
C.封闭型基金
D.开放型基金

【答案】 C
29、下列关于数字人民币的说法，不准确的是（　　）
A.数字人民币是由中国人民银行发行的数字形式的法定货币
B.它的发行要靠行政强制来实现，不是以市场化的方式进行
C.数字人民币不会形成对纸钞和硬币的替代，后者将正常使用
D.它由指定运营机构参与运营，并向公众兑换，与纸钞和硬币等价

【答案】 B
30、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
31、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
32、在国际银行监管史上有重要意义的l988年《巴塞尔协议》规定，银行的总资本充足率不能低于（　　），核心资本充足率不得低于（　　）。
A.4%8%
B.6%8%
C.8%4%
D.10%4%

【答案】 C
33、Even though medicine can take you back to health if you fall ill，______is recommended to avoid side effects.
A.moderation
B.consideration
C.reflection
D.speculation

【答案】 A
34、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为 2.5%。
A.分期付息到期还本债券
B.到期一次还本付息债券
C.分期还本到期一次付息债券
D.分期付息债券

【答案】 A
35、Susan made（　　）clear to me that she wished to make a new life for herself.
A.That
B.this
C.it
D.her

【答案】 C
36、The smog is due（ ）invisible gases，mostly from automobile exhaust.
A.from
B.to
C.for
D.with

【答案】 B
37、 款项移送中，移出行应当进行核算的会计分录为（　）。
A.借：分行辖内往来贷：现金
B.借：现金贷：分行辖内往来
C.借：分行辖内往来贷：银行存款
D.借：银行存款贷：分行辖内往来

【答案】 A
38、Passage 7
A.They turn to physicians for advice
B.They tend to make risky decisions
C.They adopt a totally new perspective
D.They refrain from trying anything new

【答案】 D
39、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
40、研究发现，睡眠存在障碍与很多疾病有着难以______的联系。有时候通过改善睡眠状态，可连带对另一种疾病的治疗起到______的功效。
A.割裂一石二鸟
B.分割正本清源
C.确认投石问路
D.区分釜底抽薪

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

【答案】 A
42、 证明实物资产是否存在的非常有说服力的证据是( )。
A.书面证据
B.环境证据
C.实物证据
D.口头证据

【答案】 C
43、资料：Italy's next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）
A.Bad loans remain a concern in Italy and across southern Europe
B.Italy will be the largest source of NPLs for the foreseeable future
C.Italy asks the European Central Bank to forgive its debt
D.Investors can trade in NPLs across 11 European countries

【答案】 B
44、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
45、人力资源管理部门与非人力资源管理部门在履行人力资源管理职能方面存在分工。其中由非人力资源管理部门承担的任务是（　　）。
A.制定薪酬体系
B.拟订人员供需平衡的实施计划
C.提出本部门人员需求条件
D.形成这个公司的培训计划

【答案】 C
46、Have you ever paid your kid for good grades？Have you driven to school to______a forgotten assignment？Have you done a college student’s laundry？
A.drop off
B.make up
C.take over
D.fill in

【答案】 B
47、When a governing body is formed,____qualifications for guides will be sure to follow.
A.average
B.standardized
C.typical
D.indoor

【答案】 B
48、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
49、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.How to beat procrastination
B.Our brain and procrastination
C.Benefits and costs of procrastination
D.The perils of procrastination

【答案】 A
50、根据管理方格理论，“乡村俱乐部”领导风格的特点是（　　）。
A.管理者既不关心任务，也不关心人
B.管理者既关心任务，也关心人
C.管理者极端关注人
D.管理者极端关注任务

【答案】 C
51、 某投资项目原始投资额为100万元．使用寿命10年．已知该项目第10年的营业现金净流量为25万元．期满处置固定资产残值收入及回收流动资金共8万元，则该投资项目第10兰的现金净流量为（　　）万元。
A.8
B.25
C.33
D.43

【答案】 C
52、在“资源管理器”窗口中，用户若要选定多个连续的文件或文件夹，须在鼠标单击操作之前按下（ ）键。
A.Ctrl
B.Shift
C.Alt
D.Tab

【答案】 B
53、既有风险损失又可能有风险收益的商业银行风险是（　　）。
A.信用风险
B.投机风险
C.流动性风险
D.经营风险

【答案】 B
54、下列科学家中属于美国科学家的是（　　）。
A.西门子
B.诺贝尔
C.爱迪生
D.马可尼

【答案】 C
55、资料：Word of Mouth promotion is based on the principle of pull marketing.
A.word of Mouth promotion is based on the principle of pull marketing
B.it uses above the line promotional techniques
C.it gets consumers to bring other countries to the product
D.it relies on the transimission of positive message

【答案】 B
56、商业银行经营的核心是（ ）。
A.扩大贷款规模
B.市场营销
C.增加资本金
D.提髙收益

【答案】 B
57、在Word主窗口的右上角，可以同时显示的按钮是（）。
A.最小化、还原和最大化
B.最大化、还原和关闭
C.最小化、还原和关闭
D.最大化和还原

【答案】 C
58、At the meeting, the manager talked ______about the need for better attendance and punctuality.
A.briefly
B.briefing
C.shortly
D.shorts

【答案】 A
59、The car the police were chasing was a ___ .
A.dent
B.decoy
C.demon
D.dogma

【答案】 B
60、资料：There's a good chance that spicy crunchy tuna roll you ordered for lunch doesn't actually contain any tuna at all.
A.Many sushi restaurants refuse to serve some fish because of the risk of fake fish
B.People have access to track the origins of fish sold in sushi shops
C.Most fish sold in sushi stores is mislabeled but new tech can help to fix the problem
D.Citizens in the US no longer trust the fish sold in sushi venues

【答案】 C
61、平均利润率的形成是（　　）。
A.无数资本家追逐超额利润的结果
B.同一部门资本家之间竞争的结果
C.资本有机构成平均化的结果
D.不同部门的资本家之间竞争的结果

【答案】 D
62、我国横断山脉是具有国际意义生物多样性的关键地区，横亘（ ）。
A.湘、桂、黔
B.川、滇、藏
C.新、青、藏
D.闽、浙、赣

【答案】 B
63、以下表述不正确的是（　　）。
A.正常品的收入效应与价格反方向变动
B.劣等品的替代效应与价格反方向变动
C.吉芬商品是收入效应大于替代效应的商品
D.所有劣等品的需求曲线均向右上方倾斜

【答案】 D
64、Ever since book critic Martja Taynbe praised Reinaldo Da Silva’s The Flag Bearer, ____ for it has skyrocketed.
A.structure
B.vision
C.demand
D.effort

【答案】 C
65、通常情况下，一国的利率水平提高，会导致（ ）。
A.本币汇率上升，外币汇率上升
B.本币汇率上升，外币汇率下降
C.本币汇率下降，外币汇率上升
D.本币汇率下降，外币汇率下降

【答案】 B
66、Passage 4
A.the lack of support from firms
B.the cultural differences
C.the effect of unemployment
D.the shortage of money

【答案】 D
67、下列各项中，不具有行政主体资格的是（ ）。
A.乡镇人民政府
B.公安派出所
C.街道办事处
D.公安局法制科

【答案】 D
68、 根据我国《反不正当竞争法》的规定，下列行为属于不正当竞争行为中的混淆行为的是（　　）。
A.甲厂在其产品说明书中作夸大其词的不实说明
B.乙厂的矿泉水使用“清凉”商标，而“清凉矿泉水厂”是本地一知名矿泉水厂的企业名称
C.丙商场在有奖销售中把所有的奖券刮奖区都印上“未中奖”字样
D.丁酒厂将其在当地评奖会上的获奖证书复印在所有的产品包装上

【答案】 B
69、 企业事业单位可以自主选择银行开立的用于日常转账结算与现金收付的账户是（　　）。
A.一般存款账户
B.临时存款账户
C.专用存款账户
D.基本存款账户

【答案】 D
70、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
71、 中国人民银行法律责任的特点是（　　）。
A.中国人民银行负责
B.直接责任者负责
C.直接责任者或中国人民银行负责
D.直接责任者和中国人民银行共同负责

【答案】 B
72、 在( )前提下，会计确认、计量和报告应当以企业持续、正常的生产经营活动为前提。
A.会计分期
B.会计核算
C.会计监督
D.会计主体

【答案】 D
73、苏州曾经是经济兴盛、文化发达、人才荟萃之地，明末清初以后，苏州士绅除少数人发生身份和观念转化外，多数人的传统观念仍根深蒂固。而作为社会主流的士绅观念和意识往往通过各种渠道浸润展延，严重影响一般民众，正因如此，晚清苏州民风靡弱闲散，生活节奏缓慢，缺乏早期现代化必需的紧迫感与开拓精神。清末及民国初期，苏州人很少愿意将资本投入到现代实业中，以至于苏州钱庄吸收的存款在当地难以消纳，不得不转向外埠了求出路。
A.清末苏州资金消纳的途径与方式
B.苏州民众在士绅观念影响下的转变
C.民国初期苏州实业发展衰落的原因
D.士绅观念制约了近代苏州的现代化进程

【答案】 D
74、陕西未来将进一步加强交通基础设施建设，力争实现通村公路覆盖全部自然村。关于高速公路和通村公路，以下说法中正确的是（　　）。
A.均不属于公共产品，不具备非竞争性
B.均属于公共产品，具备非排他性
C.高速公路不属于公共产品，不具备非竞争性和非排他性
D.通村公路不属于公共产品，不具备非竞争性和非排他性

【答案】 B
75、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.Mr.Zimmer’s idea is that now we are at the critical moment in history, we should take decisive action whether taking the right path or not
B.Mr Zimmer thinks the introduction of the autonomous vehicles will not cause the unemployment and surely will increase the employment because such car drivers will be ne