2025年银行招聘之银行招聘综合知识综合练习试卷B卷附答案.docx

2025年银行招聘之银行招聘综合知识综合练习试卷B卷附答案

单选题（共800题）
1、Mr.Lee is too weak to（　　）his business.
A.do with
B.do without
C.do away with
D.do up

【答案】 A
2、2012年5月10日，期货市场首个上市新品种：白银期货正式挂牌交易，这意味着国 内市场上市了第（ ）个贵金属期货交易品种。
A.一
B.二
C.三
D.四

【答案】 B
3、在PowerPoint 2003中，要将D盘上的“时间都去哪了.MP3”文件插入到当前幻灯片中，所选择的命令项是（　　）。
A.插入→影片和声音→剪辑管理器中的声音
B.插入→影片和声音→文件中的声音
C.插入→影片和声音→剪辑管理器中的影片
D.插入→影片和声音→文件中的影片

【答案】 B
4、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.having accounts sent to collections
B.looking for a no-credit credit card
C.paying down the balance
D.closing your credit accounts

【答案】 B
5、资料：Samsung’s Notebook 7 Spin is a stylish，versatile work machine with power to spare.The 2-in-1 notebook’s performance is impressive，and its versatile folding design is legitimately useful.Unfortunately，the system’s shallow keyboard and lackluster battery life curtail its productivity potential a bit.
A.In a magazine about electronic products
B.In Samsung’s stores
C.In a newspaper
D.In an advertisement

【答案】 A
6、The doctor hit me just below the knee to test my ___.
A.influxes
B.inflows
C.flexes
D.reflexes

【答案】 D
7、Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
A.Its statistics look embarrassing
B.It is invalid in terms of methodology
C.It deserves our closest attention
D.Its conclusion is purposely exaggerated

【答案】 B
8、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
9、金融创新就是（ ）。
A.在金融市场开展金融业务
B.金融体系与金融结构的变化
C.在金融领域内，各种要素实行新的组合
D.金融市场监管与金融发展关系的确定

【答案】 C
10、根据我国宪法的规定，下列有关公民基本权利的宪法保护的表述，哪一个是正确的？（）
A.—切公民都有选举权和被选举权
B.宪法规定了对华侨、归侨权益的保护，但没有规定对侨眷权益的保护
C.宪法对建立劳动者休息和休养的设施未加以规定
D.公民合法财产的所有权和私有财产的继承权规定在宪法“总纲”部分

【答案】 D
11、马克思主义政治经济学研究的出发点是（　　）。
A.生产力
B.生产关系
C.物质资料生产活动
D.经济规律

【答案】 C
12、在计算机中表示数据的最小单位是（　　）。
A.位
B.字节
C.字
D.字长

【答案】 A
13、以下关于宏观经济政策与证券市场间的关系说法错误的是（　　）。
A.汇率下降，本币升值，出口型企业证券价格就会上扬
B.货币政策的调整会直接、迅速地影响证券市场
C.财政政策的调整对证券市场具有持久但较为缓慢的影响
D.汇率政策的调整从结构上影响证券市场价格

【答案】 A
14、不属于货币市场工具特点的是（　　）。
A.期限较短
B.风险较低
C.普遍存在担保
D.流动性高

【答案】 C
15、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers don’t necessarily fall into the category of “toxic,”but they’re just kind of a drag with their cynical, pessimistic worldview.If you ‘re dealing with a negative employee,here are 3 steps to take.
A.Being very inquisitive just like a policeman
B.Speaking directly about one’s shortcoming without considering one’s feelings
C.Hitting the nail on the head in the conversation
D.Focusing on the negative emotion behind a message rather than the real problem

【答案】 D
16、当国民收入水平提高，而政府又没有采用任何财政政策，下列哪种情形肯定发生？（）
A.政府支出增加
B.政府财政赤字增加
C.政府税收增加
D.政府税收减少

【答案】 C
17、企业溢价发行股票时，超过股票面值的部分计入（　　）。
A.盈余公积
B.实收资本
C.资本公积
D.留存收益

【答案】 C
18、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
19、Everyone in the organization has a（n）______to this kind of information.
A.access
B.right
C.try
D.look

【答案】 A
20、在Windows XP中，为保护文件不被修改,可将它的属性设置为（ ）。
A.只读
B.存档
C.隐藏
D.系统

【答案】 A
21、关于X理论和Y理论，下列说法中正确的有（　　）。
A.只有（1）和（2）
B.只有（1）和（3）
C.只有（2）和（3）
D.三项观点都正确

【答案】 D
22、资料：From:prorno@
A.He has shopped at Fruittisom’ s online store
B.He has been charged incorrectly for an order
C.He has worked for Fruittisom
D.He has reported a late delivery

【答案】 D
23、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混淆了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
24、某融资公司以经营不善为由拖欠张某的工资长达半年，根据《商业银行法》规定，若张某要求该公司的开户银行对该公司的存款进行（　　）的操作时，开户银行有权拒绝张某。
A.查询
B.冻结
C.他选项全部
D.扣划

【答案】 C
25、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21日，人民币 汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理 的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格 局，呈现稳中有升的态势。
A.银行间外汇市场
B.同业拆借市场
C.票据市场
D.债券市场

【答案】 A
26、“东施效颦”原比喻不根据具体条件，盲目模仿别人，结果适得其反。现泛指模仿者的愚蠢和可笑。这一成语出自（　　）。
A.《孟子》
B.《庄子》
C.《论语》
D.《红楼梦》

【答案】 B
27、资料：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. They seem real while they are takingplace. Some dreams are pleasant, others are annoying, and still others are frightening. Everyone dreams, but some persons never recall dreaming. Others remember only a little about a dream they had just before awakening and nothing about earlier dreams. No one recalls all his dreams.
A.Dream involves events that always happen in real life
B.Dream is an imaginary story which seems real while taking place
C.Dream is related to the dreamer's real life
D.Dream is a confusing story which involves little logic thought

【答案】 A
28、资料：之后，经济学家Mr.X展望了中欧之间的商业机遇，请根据下列资料回答问题。
A.His own stories about visiting China
B.The quality of Chinese goods
C.Why should foreign businessmen do business in China?
D.Other important steps of doing business in China

【答案】 D
29、在确定的借贷周期内，按复利的（　　）越多，其收入比值越高。
A.本金
B.计息次数
C.利率
D.本息和

【答案】 B
30、一位专家表示，如果疫情发生在一个中小城市，而不是这样的核心城市，当地政府不会如此紧张，担心引发城市的舆论危机和社会危机，也就会降低控制舆论的风险，从而采取有效措施来处理。同时，各方面对于中小城市的各种资源供给也会充裕，而且各种救助措施也会针对较少的人口而更为简洁和有效。
A.大城市的管理难度比中小城市更大，特别是在暴发疫情的时候
B.建议改变过去发展核心城市的策略，鼓励中小城市发展
C.比起大城市，中小城市暴发疫情后的防控工作会更为简单有效
D.疫情发生在中小城市的话，当地政府就不会紧张

【答案】 C
31、资料：THOMAS WILSON
A.Provide support to the investment banking group VP
B.Answer telephone
C.Maintain calendars
D.Assist visitors

【答案】 D
32、材料二：2018年上半年，我国经常账户逆差1801亿元，资本和金融账户顺差4247亿元，其中，非储备性质的金融账户顺差7451亿元，储备资产增加3192亿元。
A.经常账户
B.资产
C.银行存款
D.股票资产

【答案】 A
33、九华山是安徽“两山一湖”（黄山、九华山、太平湖）黄金旅游区的北部主入口、主景区。九华山是中国（ ）教四大名山之一。
A.道
B.佛
C.伊斯兰
D.基督

【答案】 B
34、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.with
B.to
C.from
D.by

【答案】 A
35、失业对社会稳定和经济健康发展都有十分严重的危害，为了对失业进行更深入地研究，经济学按失业的原因将其分为不同类型，下列不属于经济学按失业原因分类的是（　　）。
A.摩擦性失业
B.结构性失业
C.放开性失业
D.周期性失业

【答案】 C
36、我国银行间外汇市场的调控者是（ ）。
A.国家外汇管理局
B.中国人民银行
C.中国外汇交易中心
D.证监会

【答案】 B
37、____ analysts’ predictions, McKnight Electronic engineers were able to create a battery capable of lasting twice as long as previous models.
A.Nevertheless
B.Contrary to
C.Except
D.Provided that

【答案】 B
38、 我国《经济法》调整的对象是（　　）。
A.一切经济关系
B.特定经济关系
C.全部财产关系
D.社会关系

【答案】 B
39、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.They compete with each other in a smooth way
B.They form partnership with each other
C.They have a superior-subordinate relationship
D.They are opponents and fight against each other

【答案】 B
40、近年来，中国人民银行加强了对利率工具的运用。利率调整逐年频繁，利率调整方式更为灵活，调控机制日趋完善，利率作为重要的经济杠杆，在国家宏观调控体系中将发挥更加重要的作用。
A.制定相关政策对各类利率结构和档次进行调整
B.发放政府发行的中、长期国库券
C.调整金融机构法定存贷款利率
D.制定金融机构存贷利率的浮动范围

【答案】 B
41、 下列不属于期货交易的主要特征的是（　　）。
A.期货交易以在期货交易所内买卖期货合约的方式进行
B.期货合约是由期货交易所制定的标准化合约
C.实物交割率高
D.实行保证金制度

【答案】 C
42、中国人民银行早在2004年已经完全放开金融机构人民币贷款利率上限，商业银行可自主根据企业和具体业务风险状况进行定价，但是并不意味着金融借款利率不受任何限制。金融机构利率是指（　　）。
A.金融机构对银行和证券公司实行的各种利息率
B.金融机构对企业单位和个人实行的各种利息率
C.金融机构对金融监管部门实行的各种利息率
D.金融机构对中央银行实行的各种利息率

【答案】 C
43、We appreciate your patience and hope to serve you in a timelier manner in the future. ____ , please contact our order department at 716-555-0160 with any questions .
A.instead
B.meanwhile
C.in contrast
D.besides

【答案】 D
44、按照有关规定,我国商业银行对中小企业贷款的利率最高和最低可分别上浮和下浮（）。
A.30%和15%
B.30%和10%
C.50%和30%
D.50%和10%

【答案】 B
45、资料：A high-precision NASA radar instrument left a NASA airport in Southern California for Iceland on January 28 to create detailed maps of how glaciers move in the dead of winter. This will help scientists around the world better understand some of the most basic processes involved in melting glaciers, which are major contributors to rising sea levels.
A.Freeze easily
B.Move quickly
C.Long-lasting
D.Extremely cold

【答案】 C
46、通常情况下，下列商业银行资产的流动性自高至低排序正确的是（　　）。
A.（2）＞（1）＞（3）＞（4）
B.（1）＞（2）＞（3）＞（4）
C.（2）＞（1）＞（4）＞（3）
D.（1）＞（2）＞（4）＞（3）

【答案】 D
47、1，9，35，91，189，（　　）
A.361
B.341
C.321
D.302

【答案】 B
48、下列哪项不属于商业银行依法可以开展的业务？（　　）
A.买卖政府债券、金融债券
B.承销政府债券
C.发行金融债券
D.承销公司股票

【答案】 D
49、 代保管业务主要指商业银行的（　）。
A.保管箱业务
B.委托代办债券还本付息业务
C.代发股票红利业务
D.代理证券资金清算等业务

【答案】 A
50、关于总需求曲线，以下表述错误的是（　　）。
A.总需求曲线反映的是产品市场和货币市场同时处于均衡时，价格水平和总需求量的关系
B.扩张性的财政政策使总需求曲线向右移动
C.扩张性的货币政策使总需求曲线向右移动
D.总需求曲线向右上方倾斜

【答案】 D
51、下列表述正确的是（　　）。
A.对于富有弹性（需求价格弹性大于1）的商品，升高价格会增加厂商的销售收入
B.对于缺乏弹性（需求价格弹性小于1）的商品，降低价格会增加厂商的销售收入
C.对于单位弹性（需求价格弹性等于1）的商品，降低或升高价格对均衡产出没有影响
D.对于无弹性（需求价格弹性等于0）的商品，厂商销售收入会同比例于价格的上升而增加

【答案】 D
52、She is less ________ on being a grandmother, now her daughter Caron is married.
A.desirous
B.eager
C.keen
D.anxious

【答案】 C
53、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, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.
A.She sells dresses and accessories on Taobao
B.She buys goods at higher prices and manages to sell large number of them
C.She purchases goods at wholesale and sell them online at higher prices
D.She makes profits by selling dresses and accessories at retail stores

【答案】 C
54、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, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.
A.She sells dresses and accessories on Taobao
B.She buys goods at higher prices and manages to sell large number of them
C.She purchases goods at wholesale and sell them online at higher prices
D.She makes profits by selling dresses and accessories at retail stores

【答案】 C
55、 There's an______food shortage and many farmers will miss the winter cropping season.
A.enormous
B.immense
C.acute
D.urgent

【答案】 C
56、《边城》是沈从文的代表作。此作品主要描绘了哪个地区风土人情（　　）。
A.湘西
B.武汉
C.长沙
D.婺源

【答案】 A
57、Children who have negative relationships with their parents often develop______problems including low academic achievement，negative social relationships，and delinquency。
A.domestic
B.influential
C.diverse
D.identical

【答案】 C
58、资料：October 20,2013
A.He was impressed with its menu
B.The hotel is located close to the company
C.He has special ties with the hotel staff
D.It has become a tradition of the company

【答案】 A
59、Passage 7
A.awaken the conscience of officials
B.guarantee fair play in official access
C.allow for certain kinds of lobbying
D.inspire hopes in average people

【答案】 B
60、Passage 5
A.water deficiency
B.distress
C.desertification
D.more grasses and lakes

【答案】 D
61、There are many ways to define the “time” at a particular ______.Here，on Earth our usual system is defined by the motion of the Sun in the sky.
A.district
B.iocation
C.interpretation
D.direction

【答案】 B
62、“马力”一词表示的是（　　）。
A.是一个动力单位
B.表示一匹马的能量
C.表示一匹马的速度
D.表示发动机的功率

【答案】 D
63、____their regular daytime job, many people do extra work in the evening.
A.Between
B.Beside
C.Besides
D.By

【答案】 C
64、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
65、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
66、资料：From: Iris Wu
A.on May 3
B.on May 14
C.on May 15
D.on May 26

【答案】 D
67、 汇票全额解付的，以汇票卡片作借方传票，解讫通知和多余款收账通知作借方传票附件。其会计分录为( )。
A.借：汇出汇款 　　贷：联行汇人款项(联行来账)
B.借：汇入汇款 　　贷：联行存放款项(联行来账)
C.借：汇出汇款 　　贷：联行存放款项(联行来账)
D.借：联行存放款项(联行来账) 　　贷：汇出汇款

【答案】 C
68、There is a note pinned to the door（　　）when the shop will open again.
A.saying
B.says
C.said
D.having said

【答案】 A
69、当利率下降，对消费者的影响是（　　）。
A.刺激消费，减少储蓄
B.刺激消费，刺激储蓄
C.抑制消费，抑制储蓄
D.抑制消费，刺激储蓄

【答案】 A
70、A scientist often reaches a dead end that leads to no alternatives in research and has to go back and determine if all the____made are true to how the world operates.
A.equations
B.principles
C.assumptions
D.theories

【答案】 C
71、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.Expectant
B.Letting the customers to do
C.Used to
D.Paying customs duties

【答案】 C
72、资料：The movement of consumers from public social media to private messaging has been so rapid that Business Insider reported that the combined usage of the top four messaging apps now exceeds the combined usage of the top four social media apps。Falling data prices，cheaper devices，and improved features are helping propel this growth。
A.The traditional social networks will have great impact on certain groups
B.The private messaging apps will replace the social media apps
C.The intimate channels can be the double-edged swords to the sellers
D.The growth of the intimate channels will bring only benefits to the marketers

【答案】 C
73、While they mainly have ______Japanese tourists previously，luxury stores in Paris now employ Mandarin-spe