2022-2025年银行招聘之银行招聘综合知识自测模拟预测题库(名校卷).docx

2022-2025年银行招聘之银行招聘综合知识自测模拟预测题库(名校卷)

单选题（共800题）
1、 “应解汇款”属于( )类账户。
A.所有者权益
B.损益
C.资产
D.负债

【答案】 D
2、The latest research indicates that stress，as an ______ to deal with it，is a direct contributor to heart disease.
A.inability
B.illegalness
C.unconsciousness
D.unwillingness

【答案】 A
3、Passage 8
A.to help a wound to dry
B.to covers a rough surface
C.damages some of the small side branches
D.allows too many branches to grow in the middle

【答案】 B
4、国务院常务会议决定，自2011年7月1日起启动城镇居民社会养老保险试点工作，2011年试点范围覆盖全国60%的地区，2012年（ ）。
A.覆盖80%
B.覆盖85%
C.覆盖90%
D.基本实现全覆盖

【答案】 D
5、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
6、Passage 2
A.Find out how you should address the host family
B.Always be prepared for the unexpected
C.Be prompt during meal times
D.tablish a rapport with the host family

【答案】 C
7、亚当*斯密的公平理论中公平比较对象不包括（ )
A.自我——内部
B.自我——外部
C.别人——内部
D.内部——外部

【答案】 D
8、（　　）是指市场增长率低，而相对市场占有率高的产品。
A.金牛产品
B.瘦狗产品
C.明星产品
D.幼童产品

【答案】 A
9、 下列项目中不属于有价证券的是（　　）。
A.国库券
B.股票
C.银行汇票
D.企业债券

【答案】 C
10、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.People are tired of social media
B.App’s improved features
C.People are demanding for real communication
D.Cheaper data and devices

【答案】 A
11、Passage 7
A.Patients seldom receive due care towards the end of the day
B.Prescription of antibiotics can be harmful to patients'health
C.cision fatigue may prevent people making wise decisions
D.Medical doctors are especially susceptible to decision fatigue

【答案】 C
12、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.perfect
B.more perfect
C.most perfect
D.perfectest

【答案】 A
13、Passage 2
A.Third parties will have to buy fraud insurance
B.Regulators have come up with promising solutions
C.Banks'defense against cyber attacks is strong
D.Third parties will check clients’data monthly

【答案】 B
14、The optimal length of a nap was an hour and a half______people could go through a complete cycle.
A.so thatA
B.even if
C.as to
D.as soon as

【答案】 A
15、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.seem more productive in the job market
B.comfortably travel to foreign countries
C.get to know different cultures
D.all of the above

【答案】 D
16、中国半殖民地半封建社会开端于（ ）。
A.鸦片战争
B.马关条约
C.辛丑条约
D.百日维新

【答案】 A
17、The optimal length of a nap was an hour and a half______people could go through a complete cycle.
A.so thatA
B.even if
C.as to
D.as soon as

【答案】 A
18、货币供应量是一国在某时期内为社会经济运转服务的货币存量，它由包括中央银行在内的金融机构供应的存款货币和现金货币两部分构成。中央银行在公开市场上买卖有价证券，最直接影响（　　），从而影响货币供应量。
A.中央银行再贷款
B.商业银行法定准备金
C.中央银行再贴现
D.商业银行超额准备金

【答案】 D
19、电能是用途最广泛的能源之一，它属于（ ）。
A.二次能源
B.—次能源
C.不可再生能源
D.可再生能源

【答案】 A
20、某医院医生甲为患者乙做手术时将一块纱布遗留在乙腹腔，乙因此所受的损害应有（　　）。
A.医院承担全部赔偿责任
B.甲承担全部赔偿责任
C.医院和甲承担连带赔偿责任
D.甲承担赔偿责任，医院承担补充责任

【答案】 A
21、If English means endless new words，difficult grammar and sometimes strange pronunciation，you are wrong.Haven’t you noticed that you have become smarter since you started to learn a language?
A.the experience of learning a second language has bad effect on people’s brain
B.there is no difference between a later second language learner and one who doesn’t know a second language
C.the earlier you start to learn a second language，the higher the grey matter density is
D.the ability of learning a second language is changing all the time

【答案】 C
22、20世纪30年代，美国经济危机产生的直接原因是生产和销售之间的矛盾加剧。加剧这 一矛盾的因素有（ ）。
A.①②③
B.②③④
C.①②④
D.②③

【答案】 A
23、远期合约的最大功能是（　　）。
A.方便交易
B.增加收益
C.增加交易量
D.转嫁风险

【答案】 D
24、银行机构财务监管的内容不包括（ ）。
A.收入的来源与结构
B.支出的去向与结构
C.资产的来源与结构
D.收益的真实状况

【答案】 C
25、We also had to collect immense amounts of historical data and ____satellites to monitor the ocean-atmosphere system.
A.make up
B.set up
C.devote to
D.invest in

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

【答案】 A
27、Your natural hair color begins to fade（　　）you grow older,and in time you grow grey.
A.since
B.when
C.while
D.as

【答案】 D
28、根据巴尼的观点，组织中的人力资源之所以能够成为企业优势资源，是因为（　　）。
A.人力资源具有边际报酬递减性
B.人力资源可以被其他资源代替
C.高能力的劳动者是稀有资源
D.优秀企业的人力资源管理很容易被模仿

【答案】 C
29、一般而言，物价水平年平均上涨率不超过2%~3%的是（ ）。
A.爬行通货膨胀
B.温和通货膨胀
C.恶性通货膨胀
D.奔腾式通货膨胀

【答案】 A
30、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
31、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.Faith
B.Complaint
C.Account
D.Reputation

【答案】 D
32、农村革命根据地大多分布在南方，主要原因是（　　）。
A.北伐战争的影响
B.北方是军阀统治中心
C.南方地形复杂，便于开展游击战争
D.农村革命根据地的领导人多是南方人

【答案】 A
33、I think I had at least a billion tests,including（　　）in which they cut out a piece of muscle from my leg and looked at it under a microscope.
A.that
B.the one
C.it
D.one

【答案】 D
34、Passage 1
A.It is based on questionable statistics
B.It reflects the economic changes
C.It evidences the improved-welfare
D.It provides much food for thought

【答案】 A
35、It is advisable that some warm clothing （ ） with you, as the weather can change quite suddenly in the mountainous area.
A.is taken
B.will be taken
C.be taken
D.has been taken

【答案】 C
36、从（ ）起北美自由贸易区开始运转。
A.1998年5月1日
B.1989年1月1日
C.1992年12月7日
D.1994年1月1日

【答案】 D
37、资料：Virgin America helped Airbus pip Boeing at the post to retain its crown as the world’s largest commercial plane maker.
A.IndiGo’s order for Airbus’s new engine-option A320s was the first firm order for the updated airplanes
B.Airbus delivered more planes than Boeing in 2006
C.2009 saw demand for Boeing’s planes fall but not Airbus’s
D.Airbus was able to stay ahead of Boeing in number of orders throughout the year 2010

【答案】 B
38、在单位协定存款业务中，对超过基本存款额度的存款按（ ）计付利息。
A.活期存款利率
B.定期存款利率
C.中囯人民银行规定的上浮利率
D.协定存款利率

【答案】 C
39、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
40、刘强是某大型商场的总经理，近日通过调查发现：商场基层员工近期工作效率下滑、缺勤率上升、工作积极性下降，基层员工与客户的不和谐事件也呈上升趋势。员工普遍反映：工作枯燥乏味，没有挑战性与职业生涯规划，无法有效施展自己的才能；沟通机会少，没有有效的沟通平台；大龄未婚员工人数日渐上升，员工的这些情况反映出在高层次需要没有得到满足时，对低层次的需要就会显得更加渴望，这符合（　　）的观点。
A.奥尔德佛（ERG）理论
B.赫茨伯格双因素理论
C.马斯洛需求层次理论
D.麦克里兰三重需求理论

【答案】 A
41、The owl is a ____ bird which kills its prey with its claws.
A.aglow
B.predatory
C.cursory
D.petulant

【答案】 B
42、 银行对客户的义务有（　　）。
A.为客户保密
B.取得利息
C.诚信义务
D.谨慎义务

【答案】 A
43、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
44、多媒体处理的信息是（ ）。
A.模拟信号
B.数字化信息
C.电视信息
D.网络信息

【答案】 B
45、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
46、The owl is a ____ bird which kills its prey with its claws.
A.aglow
B.predatory
C.cursory
D.petulant

【答案】 B
47、下列字符中，ASCI1码值最小的是（　　）。
A.a
B.A
C.X
D.Y

【答案】 B
48、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.Alibaba would open chain stores after entering into Australia
B.Alibaba has established cooperation with Australia Post
C.Alibaba’s world-record of selling US$9.3 Billion worth of goods in 24 hours on Singles Day has helped its initial public offering
D.After entering into Australia, Alibaba will try to expand to the U.S

【答案】 B
49、The boy wanted to play football in the street，but his father told him______.
A.not to
B.not
C.not to do
D.don’t

【答案】 A
50、回复上级机关的询问，使用（　　）。
A.通报
B.报告
C.请示
D.通知

【答案】 B
51、Together these inventions hugely reduced the cost of blasting rock, drilling tunnels, building canals and many other forms of____work.
A.construction
B.information
C.animation
D.imagination

【答案】 A
52、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.having public confidence
B.having sufficient investment
C.lowering government spending
D.upgrading government technology

【答案】 B
53、资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
A.After Britain leaving the E.U the investment decision of investors has been affected
B.After Britain leaving the E.U, the value of the pound will be seen weakened further
C.After Britain leaving the E.U, the fed takes this opportunity to raise the rate
D.After Britain leaving the
E.U, the Bank of England has already cut policy rates to 0.25%

【答案】 A
54、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.More efforts will be needed to ensure a sustained economic growth
B.Investment from the government contributes most to the world economy
C.The market is pessimistic on the world economy
D.The world economy is growing rapidly and steadily

【答案】 A
55、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.The state of being very old or ancient
B.The state ofbeing mentally exhausted
C.The state of complete physical exhaustion
D.The state of difficult life experience in earlier times

【答案】 A
56、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.Serious unemployment
B.Wars
C.Foreign talents drain
D.Social instability

【答案】 C
57、使预算约束线在保持斜率不变的条件下作远离原点运动的是（　　）。
A.x的价格上涨10%而y的价格下降10%
B.x和y的价格都上涨10%，收入下降5%
C.x和y的价格都下降10%，收入不变
D.x和y的价格都上涨10%，收入上涨5%

【答案】 C
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、Happiness is subjective，and one that we may not be able to accurately______across all countries. But that obviously isn’t going to stop anyone from trying。
A.try
B.track
C.divide
D.follow

【答案】 B
60、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.They are inconsistent about the attitude toward after hour's emails
B.They both push the employees to be available all the time
C.They are consistent about the attitude towards after hour's emails
D.They both don't mean to stress the employees out

【答案】 A
61、下列情形中，婚姻合法有效的是（　　）。
A.19岁甲女迫于父母压力，嫁给年长自己15岁的乙男
B.18岁的甲女在大学期间与同学乙男自由恋爱，并于次年确定为夫妻关系
C.19岁的甲女经朋友介绍认识了21岁的乙男，并于次年确定为夫妻关系
D.21岁的乙男强奸20岁的甲女，并强迫甲女嫁给自己

【答案】 C
62、由于挤兑风波导致商业银行倒闭的风险属于（　　）。
A.国家风险
B.流动性风险
C.法律风险
D.操作风险

【答案】 B
63、下列关于网络带宽的说法错误的是（　　）。
A.在数字设备中.带宽有时候以bps表示
B.带宽容量只取决于上网电脑的运行速度
C.带宽指在固定的时间可传输的资料数量
D.高带宽允许更快速的数据传输

【答案】 B
64、金融资产管理公司属于（ ）。
A.银行机构
B.非银行金融机构
C.信托机构
D.证券机构

【答案】 B
65、各国征收反倾销税的目的在于（　　）。
A.抵制商品倾销，保护本国的市场与工业
B.防止本国商品不顾成本到国外倾销
C.保护本国出口商的利益
D.保护本国进口商的利益

【答案】 A
66、下列有关国内生产总值的表述，正确的是（ ）。
A.③④
B.①④
C.②③
D.①②④

【答案】 B
67、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
68、金融远期合约是一种（ ）。
A.买卖标的资产的权利
B.—定时期内发生的一系列现金交易
C.在集中场所交易的标准化合约
D.无固定场所的非标准化合约

【答案】 D
69、 会计报表披露的信息是（　）。
A.有关过去的交易和事