2026年备考银行招聘之银行招聘综合知识练习题(一)及答案.docx

2026年备考银行招聘之银行招聘综合知识练习题(一)及答案

单选题（共150题）
1、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.Hair style and clothes; corporate identity
B.Colors and symbols; culture and identity
C.Hair style and clothes; image
D.Colors and symbols; taste and mission

【答案】 B
2、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
3、我国对不正当竞争行为进行监督检査的主管部门是（ ）。
A.国内贸易部
B.技术监督局
C.工商行政管理局
D.物价局

【答案】 C
4、下列叙述中，正确的是（ ）。
A.高级语言编写的程序的可移植性差
B.机器语言就是汇编语言，无非是名称不同而巳
C.指令是由一串二进制数(0和1)组成的
D.由机器语言编写的程序可读性好

【答案】 C
5、In the dark street,there wasn’t a single person_she could turn for help.
A.that
B.who
C.from whom
D.to whom

【答案】 D
6、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.will probably loan money bad-credit people as they still have open accounts
B.will probably loan money no-credit people as they haven’t made any financial mistakes
C.won’t risk loaning money or extending credit to no-credit person or bad-credit person
D.None of above

【答案】 C
7、按规定，我国商业银行附属资本最高不得超过（　　）的100%。
A.运营资本
B.普通资本
C.实收资本
D.核心资本

【答案】 D
8、在下列固定资产中，不属于企业资产，不计折旧的是（　　）。
A.季节性停用的房屋
B.经营方式租入的固定资产
C.融资租入的设备
D.经营方式租出的设备

【答案】 B
9、资料：It's so common to hear people say， “I’m stressed out，” almost as a badge of honor， as if this is a symptom only of our fast-paced modern life. But in her book， “Exhaustion： A History，”Anna Katharina Schaffner writes that the syndrome of mental exhaustion has existed almost since the beginning of human history.
A.A historical view was presented to prove that way of life nowadays is more harmful to human wellbeing than those inthe past
B.A historical view supports the idea that current states of exhaustion are quite common in western countries
C.A historical view challenges the idea that people should find time to relax infast-pacedV odern life
D.A historical view challenges the idea that we would have to return to the past to avoid mental exhaustion

【答案】 A
10、资料：Seeking to end a stalemate in negotiations over her country’s withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the country’s exit.
A.Britain has agreed to discuss the conditions of the exit before discussing the future trade ties
B.Theresa May has mapped out the blue print of the relations between Britain and EU
C.EU might not be satisfied with May’s Speech
D.Britain is fully prepared to withdraw from EU in an orderly way

【答案】 C
11、下列国家不在世界四大文明古国之列的是（　　）。
A.古巴比伦
B.古埃及
C.雅典
D.古印度

【答案】 C
12、When Monte broke the glass,he tried to put the（　　）back together.
A.fragments
B.pieces
C.bits
D.slices

【答案】 A
13、假定某产业资本家依靠借贷资本200万元，平均利润率为18％，年利息率为10％，该产业资本家获得的企业利润为（　　）。
A.16万元
B.20万元
C.36万元
D.40万元

【答案】 A
14、 Advertising has long been viewed as a method of mass ______ in that a single message can reach a large number of people.
A.promotion
B.permission
C.fantasy
D.popularity

【答案】 A
15、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.FRA
B.Laws of states
C.Fed
D.OCC

【答案】 C
16、For decades，farmers and environmentalists in California have been entangled in a______over laws that limit the amount of water diverted from rivers and streams for irrigation。
A.dispute
B.register
C.conflict
D.negotiation

【答案】 A
17、某银行因特殊情况集中办理业务，导致窗口出现排队现象。假定每分钟来办业务的顾客增长数量相等，粗略估计，要让排队现象消失，在同时开设4个窗口的情况下需要25分钟，在同时开设6个窗口的情况下需要12.5分钟。则如果需要在10分钟内让排队现象消失，则至少应当开（　　）窗口。
A.7
B.8
C.6
D.5

【答案】 A
18、______,this simple gesture means five different things in five different Mediterranean countries.
A.Because it seems astonishing that
B.Astonishing though it may seem
C.You will be astonished by
D.Astonished is what it was

【答案】 B
19、Passage 9
A.read a text slowly
B.read without thinking hard
C.interpret a text in their own way
D.concentrate on the meaning of words only

【答案】 D
20、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.Immigration Rules
B.Straight line upwards in world economy
C.US presidential election
D.Weakening global economy

【答案】 B
21、Store layout and merchandise presentation, as well as______,help shoppers find items more quickly.
A.to have appropriate signs
B.appropriate signs are necessary
C.with appropriate signs
D.appropriate signs

【答案】 D
22、工厂有5条效率不同的生产线。某个生产项目如果任选3条生产线一起加工，最快需要6天整，最慢需要12天整；5条生产线一起加工，则需要5天整。问如果所有生产线的产能都扩大一倍，任选2条生产线一起加工最多需要多少天完成？（　　）
A.11
B.13
C.15
D.30

【答案】 C
23、2020年4月6日电，世界卫生组织5日发布第七十六期新冠肺炎疫情报告。报告认为，目前中国已从疫情遏制阶段进入（　　），中国经验正在帮助其他国家的抗疫行动。
A.拉锯阶段
B.缓解阶段
C.攻坚阶段
D.决胜阶段

【答案】 B
24、改革开放后，在我国北京设立的第一家外资银行代表处是（ ）。
A.日本输出入银行
B.花旗银行
C.汇丰银行
D.荷兰银行

【答案】 A
25、资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lot's take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.
A.Revolutionary
B.Reliable
C.Salutary
D.Unassailable

【答案】 A
26、It is not hard to read Arya,because she（　　）blushes with embarrassment when she has a terrible conversation with others.
A.habitually
B.habit
C.habits
D.habitual

【答案】 A
27、阅读理解
A.try to rid himself of his world of illusion
B.accept his words as being one of illusion
C.apply the scientific method
D.learn to acknowledge both

【答案】 B
28、并非只有人类才有利他主义行为，这句话等同于（　　）。
A.有些动物具有利他主义行为
B.只有人类才有利他主义行为
C.除了人类，其他动物都有利他主义行为
D.利他主义行为并不是所有动物都具有

【答案】 C
29、影响汇率变动的长期原因不包括（ ）。
A.—国的国际收支状况
B.经济发展状况
C.通货膨胀差异
D.利率差异

【答案】 D
30、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financial news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.
A.Banker
B.Librarian
C.Journalist
D.Publisher

【答案】 C
31、 企业近五年的所有者权益分别为：2003年为1 200．26万元；2004年为1 507．73万元；2005年为1 510．43万元；2006年为1 621．49万元；2007年为1 795．71万元，则评价该企业2007年三年资本平均增长率约为（　　）。
A.5%
B.6%
C.7%
D.8%

【答案】 B
32、资料：Job Description
A.Hardworking but taciturn
B.Little knowledge of co-branded sponsored entertainment
C.Experience with on-air promotion production
D.With little post production experience

【答案】 C
33、资料：最后，大家谈论了中国在绿色经济方面做出的杰出贡献，请根据下列资料回答问题。
A.More experience exchange and business development
B.More passion towards this historical initiation
C.More active attitude towards tacking climate change
D.More green investment chances

【答案】 B
34、For instance, a death certificate allows the person’s ______ to be distributed to heirs.
A.property
B.poverty
C.prestige
D.dignity

【答案】 A
35、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.Financial forecasts
B.According rules
C.Manuals of accounting policies and procedures
D.Organization charts

【答案】 B
36、The fact that people can see themselves succeeding in work as they also______therapy and self-understanding is powerful。
A.succeeded in
B.succeeding in
C.succeed in
D.have succeeded in

【答案】 C
37、Passage 10
A.simplify routine matters
B.absorb user attention
C.better interpersonal relations
D.increase work efficiency

【答案】 B
38、相对剩余价值的获得是（　　）。
A.个别企业提高劳动生产率的结果
B.一个生产部门提高劳动生产率的结果
C.企业劳动生产率高于部门平均劳动生产率的结果
D.整个社会劳动生产率提高的结果

【答案】 D
39、按照中国人民银行的规定，各银行每月日平均拆入资金余额，不得超过其上月末各项存款余额的（）。
A.5%
B.4%
C.6%
D.3%

【答案】 A
40、技能大赛中，刘师傅看了对手的资料后说：“如果我出场，每场比赛胜出的概率是0.3，但黄师傅出场的话，概率就是0.8。”于是决定，刘师傅出场1次，黄师傅出场2次，完成3场比赛后，总计胜出2场就可以进入总决赛。则他们进入总决赛的概率是（　　）。
A.0.854
B.0.562
C.0.736
D.0.688

【答案】 C
41、高通胀下的GDP增长将导致金融市场行情（ ）。
A.上升
B.下跌
C.不变
D.都有可能

【答案】 B
42、Thank you for snatching time from your tight schedule to give my paper ______ consideration.
A.confidential
B.due
C.permanent
D.instinctive

【答案】 B
43、2020年1月5日，《庚子年》特种邮票首发仪式在（　　）举行，2020年是庚子鼠年，也是中国邮政发行生肖邮票（　　）周年，此次生肖邮票加入了邮票数字化内容。
A.北京；30
B.上海；40
C.上海；30
D.北京；40

【答案】 D
44、资料：From:Gloria Richter
A.Gunther Schmidt is the new manager
B.Gloria Richter is very dissatisfied with the present condition
C.Gloria’s company currently underwent a restructuring
D.Gloria Richter used to work for Sanicorp

【答案】 B
45、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
46、当看跌期权的履约价格髙于相关期货价格时，该期权被称为( ）。
A.实值期权
B.虚值期权
C.两平斯权
D.欧式期权

【答案】 A
47、多数鱼类背部发黑、腹部发白，其原因是（ ）。
A.长期进化形成的保护色
B.背部比腹部接受光线多，导致色素沉淀
C.背部比腹部黏膜厚，吸收光线多
D.背部鱼鳞多，吸收光线多

【答案】 A
48、第二次世界大战全面爆发的标志性事件是（　　）。
A.1939年9月1日德国突袭波兰
B.1937年7月7日日本制造卢沟桥事变
C.1941年12月8日日本突袭珍珠港
D.1941年6月22日德国突袭原苏联

【答案】 A
49、在偿还赊销款项时货币执行的职能是（　　）。
A.价值尺度
B.流通手段
C.贮藏手段
D.支付手段

【答案】 D
50、根据国现行宪法规定,我国实行由（ ）负责保障宪法实施的体制。
A.司法机关
B.立法机关
C.专门机关
D.行政机关

【答案】 B
51、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
52、The music aroused an（ ）feeling of homesickness in him.
A.intrinsic
B.intentional
C.intermittent
D.intense

【答案】 D
53、Each man and woman must sign ______ full names before entering the examination room.
A.his
B.her
C.their
D.one’s

【答案】 C
54、 It’s offered as proof that she’s a____woman who won’t waste taxpayer’s money.
A.principled
B.patriotic
C.pioneer
D.radical

【答案】 A
55、Passage 7
A.sarcastic
B.tolerant
C.skeptical
D.supportive

【答案】 D
56、资料：Job Description
A.balance between work and entertainment
B.desire to contribute to development
C.knowledgeable of co-branded sponsored entertainment
D.passionate for the A+E brands

【答案】 A
57、It was very important（　　）all projects before the end of the fiscal year.
A.complete
B.completed
C.completing
D.to complete

【答案】 D
58、下面没有语病的句子是（　　）。
A.路是人走出来的，但是走过的地方都不一定成为了路
B.一条小船很难度众生，必须是众人建造的大船才能同舟共济
C.相信科学的人们决不会让封建迷信影响他的思想
D.大路的向天边延伸很远很远直到遥远的看不到天际

【答案】 D
59、某服装店有T恤45件，其中短袖的有22件，翻领的有20件，既是短袖又有翻领的有12件，则既不是短袖，也不是翻领的T恤是（　　）件。
A.14
B.13
C.12
D.15

【答案】 D
60、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
61、Don’t bother your father tonight-he’s got a lot（　　）his mind.
A.on
B.to
C.in
D.around

【答案】 A
62、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 elsewhere.
A.Best Buy's failure in China
B.Chinese local retailers' reason for success
C.Overseas retailers' struggle in the Chinese market
D.The development of retail industry in China

【答案】 A
63、截至2011年末，我国境内股市已经成为全球第（ ）大市场。
A.二
B.三
C.四
D.五

【答案】 B
64、资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than did their parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.
A.The man
B.The woman
C.The children
D.The psychologist

【答案】 C
65、关于本票的说法，正确的是（　　）。
A.本票出票人资格必须由中国人民银行审定
B.本票的必须记载事项包括付款人
C.本票自出票日起，付款期限最长不超过1个月
D.本票是自付票据

【答案】 D
66、Bilateral relations have entered a new stage of development both in terms of_____and breadth.
A.profundity
B.dimension
C.implication
D.innovation

【答案】 A
67、 我国《合同法》在要约的生效时间上采取的是（　　）。
A.发信主义
B.到达主义
C.以发信主义为主，到达主义为辅
D.以到达主义为主，发信主义为辅

【答案】 B
68、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