2022-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析.docx

2022-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析

单选题（共800题）
1、“十三五”期间，我国森林覆盖率提高到23.04%，森林蓄积量超过175亿立方米，连续（　　）保持“双增长”，成为森林资源增长最多的国家。
A.20年
B.30年
C.15年
D.25年

【答案】 B
2、2013年7月，青岛海域遭受了浒苔的侵袭，它的形成主要是由于（　　）。
A.海水富含氮磷
B.海洋鱼类数量减少
C.海水缺少氧离子
D.区域内大量海洋生物死亡

【答案】 A
3、流感是一种由流感病毒引起的常见病，流感病毒有不同的类型。现有多种流感疫苗，有人注射了一种流感疫苗后，在流感流行期间未患流感，但流感再次流行时却患了流感，这其中不可能的原因（）。
A.流感病毒发生了变异
B.抵抗流感病毒的抗体在体内存在时间短
C.流感病毒使人的免疫系统受损
D.流感病毒与注射的疫苗是不同类型

【答案】 C
4、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.
A.express clearly the common goal of the team
B.allow the team leader to make final decisions after discussions
C.create a team randomly
D.monitor the progress of the team

【答案】 C
5、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
6、It was essential that the application forms ___ back before the deadline.
A.would be sent
B.were sent
C.be sent
D.must be sent

【答案】 C
7、一项调查数据显示：有73.25%的大学教师投入时间和精力最多的项是教学；63.29%的教师常在工作一整天后，感到筋疲力尽；46.50%的教师对于某些学生，常有“孺子不可教也”之感。只有37.7%的学生每周会将16小时以上课外时间用在学习上；接近50%的学生认为课程不能激励其学习；79.4%的学生很少在课外与教师讨论课程内容。
A.大学教师的教学工作繁重而又疲惫
B.大学教师的职业专业化程度不高
C.大学教师和学生的教、学体验都很差
D.大学生与教师之间缺少学术性的沟通

【答案】 C
8、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.It’s shame if you check your email all the time
B.The employees are willing to leave work at the end day of the workday
C.The employees are expected to answer emails although it's not working time
D.Work email is the essential part in worker’s daily life

【答案】 C
9、马克思列宁主义、毛泽东思想、邓小平理论和“三个代表”重要思想共同的精髓是（ ）
A.从群众中来，到群众中去的群众路线
B.实事求是的思想路线
C.具体问题具体分析的方法论原则
D.革命性和实践性相统一的理论特征

【答案】 B
10、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.To build a marketing campaign by creating a better resume
B.To give the logic and passion behind your career change
C.To make sure everyone knows about your intention of changing career
D.To have more conversations and connections within your new career path

【答案】 D
11、投资银行最本源、最基础的业务活动不包括（ ）。
A.证券发行与承销业务
B.证券经纪与交易
C.承销业务
D.风险投资

【答案】 D
12、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.falling
B.pushing
C.keeping
D.changing

【答案】 A
13、If you____the trigger of a gun really hard and really fast, it doesn't fire any faster or harder than if you just squeezed it gently.
A.condense
B.squeeze
C.obtain
D.lost

【答案】 B
14、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
15、表外业务与中间业务的最大区别在于（ ）。
A.反映的资产不同
B.反映的负债不同
C.承担的风险不同
D.获得的权益不同

【答案】 C
16、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
17、资料：Talk about Christmas in July. Carrie Rocha has already started her holiday shopping. “A few weeks back I picked up a $60 toy for $4, and, truth be told, I picked up a whole lot more than that,” she wrote in an email. “I spent about $80 total and got $350+ in toys.”
A.Because the toys were on sale in most stores
B.Because she was preparing the gifts for Christmas
C.Because the holiday season is coming
D.Because she loves to give out toys as gifts

【答案】 A
18、科学发展观的第一要义是（　　）。
A.科教兴国
B.以人为本
C.发展
D.发展战略

【答案】 C
19、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.Slightly critical
B.Unbiased
C.Paradoxical
D.Fully supportive

【答案】 D
20、Serena often has a long discussion with ______ colleagues about sales figure forecast for Q1 FY 2014.
A.herself
B.hers
C.her
D.she

【答案】 C
21、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a United Nations report published on Thursday.
A.To explain the recent achievement of poverty reduction
B.To conclude that the world has changed so dramatically
C.To criticize developed countries
D.To predict that things can be better

【答案】 A
22、人性自私”观点的错误在于（ ）。
A.不符合“人之初，性本善”的看法
B.违背人有追求自由、平等、幸福的天性
C.把人的自然属性当做人的根本属性
D.违背了“人的本质在其现实性上是一切社会关系的总和”的科学论断

【答案】 D
23、 根据《中华人民共和国行政处罚法》的规定，对于违法行为轻微并及时纠正，没有造成危害后果的当事人，应当（　　）。
A.从轻处罚
B.减轻处罚
C.免予处罚
D.从重处罚

【答案】 C
24、 按照审计的主体不同，审计可以分为（　　）。
A.财务报表审计和合规性审计
B.政府审计、内部审计和注册会计师审计
C.详细审计和资产负债表审计
D.整体审计和局部审计

【答案】 B
25、以下选项是金融的特征的是( )。
A.金融是非信用交易
B.金融只能发生在本机构之间
C.金融必须以资本为对象
D.金融原则上必须以货币为对象

【答案】 D
26、下列属于柜台市场的是（ ）。
A.第四市场
B.第三市场
C.深圳证券交易所
D.NASDAQ系统

【答案】 D
27、通常我们讲的国际间的货币可兑换指的是（　　）。
A.经常项目可兑换
B.资本项目可兑换
C.金融项目可兑换
D.平衡账户可兑换

【答案】 A
28、哲学与具体科学之间的最主要区别是（　　）。
A.哲学是一门抽象的理性学说，具体科学是具体化的感性学说
B.哲学研究世界发展最一般的规律，具体科学研究世界单一领域或方面的规律
C.哲学具有民族性、阶级性，具体科学没有国界，是超阶级的学说
D.哲学思想源于理论斗争，具体科学研究源于实践需要

【答案】 B
29、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager of the supermarket. But in either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them.
A.working in a bank
B.printing a book
C.attending a night school
D.growing beans for sale

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

【答案】 C
31、下列语句排序最恰当的一项是（　　）。
A.（3）（1）（4）（5）（6）（2）
B.（4）（6）（2）（3）（1）（5）
C.（3）（6）（1）（5）（2）（4）
D.（4）（1）（3）（2）（5）（6）

【答案】 A
32、Attachments____to your Hotmail account can be downloaded to your personal computer by clicking.
A.sent
B.to send
C.are sent
D.sending

【答案】 A
33、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.逆差385亿美元
B.顺差385亿美元
C.逆差951亿美元
D.顺差951亿美元

【答案】 B
34、资料：The hop flower has been used in beer-making at least since the eighth century. Traditionally it was a preservative, but it also imparts flavor. To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs say rivals that of wine grapes. Starting in the nineteen-seventies, small brewers on the West Coast began dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.The British produced large quantities of beer
B.The British found one of the most popular products called the India pale ale, or I.P.A
C.The British made Hop flower a necessity and shipped it in large quantities to India
D.The British added more hop flower in beer

【答案】 D
35、某国对某种商品进15的数量或金额规定最高限额．达到限额后便不再允许进15，这种措施称为（　　）。
A.“自动”出口配额
B.B进口许可证制
C.关税配额
D.绝对配额

【答案】 D
36、During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing（投资）the hypothetical（虚拟的）earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."
A.better students’learning methods
B.prevent students going into debt
C.help students get accepted by colleges
D.make students become very wealthy

【答案】 B
37、“上午忙麦茬，下午摘棉花”是民间描述寒露时节农事活动的谚语。在下列地区中，该谚语描述的农事活动场景最可能出现在（　　）
A.珠江三角洲
B.柴达木盆地
C.藏南谷地
D.渭河平原

【答案】 D
38、（　　）的基本内容是：只要财产权是明确的，并且交易成本为零或很小，则无论在开始时将财产权赋予谁，市场均衡的最终结果都是有效率的。
A.帕累托定理
B.欧拉定理
C.恩格尔定理
D.科斯定理

【答案】 D
39、资料：The personal computer was a revolution in information technology that spawned a $50 billion hardware business, with another $30 billion in software and peripherals （eg. mouse, keyboard, printer, etc.） by 1991. During its short 15 years, the industry evolved through three successive periods. During its first 5 to 6 years, it was characterized by explosive growth and multiple, small competitors vying for a piece of the market. From 1981 to 1985, the industry became a battle for standards and retail shelf space. The third era was one of increasing fragmentation. From 1986 through 1991-1992, new manufacturers from around the world grabbed from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed.
A.Sharing applications between machines
B.Programming on the computer
C.Writing contracts on the computer
D.Buying keyboards and printers

【答案】 A
40、甲乙合作完成一项工作，由于配合得好，甲的工作效率比单独做时提高1/10，乙的工作效率比单独做时提高1/5，甲乙合作6小时完成了这项工作。如果甲单独做需要11小时，那么乙单独做需要几小时？
A.13
B.16
C.18
D.20

【答案】 C
41、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
42、If you’ve ever played with magnets, you know that opposite poles attract and like poles ______ each other.
A.haul
B.repel
C.dispose
D.snatch

【答案】 B
43、We need to get necessary funds so that a complete（　　）of the facility can be done.
A.renovation
B.renovate
C.renovated
D.renovates

【答案】 A
44、按照我国商业银行资产负债比例管理规定，人民币存贷款比例应小于等于（ ）。
A.70%
B.75%
C.80%
D.85%

【答案】 B
45、语音网关类似于普通的电脑交换机，下列哪一项不是语音网关的电话业务（　　）。
A.热线电话
B.呼叫转移
C.VPN路由器
D.FXS端口权限

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

【答案】 B
47、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
48、资料：Singapore Airlines plans to introduce inflight mobile phone and internet access in May this year,beginning with its flagship Airbus A380 fleet.
A.Singapore Airlines' online survey is to be carried out among its registered members
B.Airbus A380 will be the first aircraft to be equipped with inflight internet and mobile service
C.Singapore Airlines' inflight internet access will be limited to some specific devices
D.Singapore Airlines' will be the first to introduce inflight mobile phone and internet access

【答案】 B
49、资料：It’s easy to trace the evolution of the automobile.At most，we’re only talking about a few centuries of technological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.
A.Morpholoical and genetic studies helped scientists to trace unknown common ancestor of chimps and humans existed
B.Morphological and genetic studies determined exact species of common ancestor of chimps and humans existed
C.Genetic studies found hominid fossils to bridge the evolutionary progression from unknown common ancestor to modern humans
D.Morphological studies helped finding the famous East African fossils and set up an milestone in this field

【答案】 C
50、The______of their years of education was 10.96 with a minimum of 7 and a maximum of 17.
A.mean
B.median
C.mode
D.average

【答案】 B
51、甲有一手表，委托乙保管，乙擅自将手表卖给丙，丙又赠与女友丁，丁戴上3天后在街头被戊抢走，戊后又遗失于街头，为庚拾得。根据《物权法》的规定，对该手表享有所有权的是（　　）。
A.甲
B.丙
C.丁
D.庚

【答案】 C
52、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.The corporate identity
B.Quality of the product
C.Packaging images
D.All of above

【答案】 D
53、资料：（四）
A.It is fruitful without any doubt
B.It is better than their peers
C.It turns out to be a failure
D.It needs experimental evidence to prove its success

【答案】 D
54、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
55、下列各句中，没有歧义的一句是（　　）。
A.这个发言稿是新来的市长的秘书写的
B.他在树上爬上爬下，轻捷的像只猴子
C.小张下班后一到家就朝着妻子嚷嚷:“我现在就要热饭”
D.他已经走了半个多小时了

【答案】 B
56、我国现行货币统计制度将货币供应划分为三个层次，其中M2代表（　　）。
A.广义货币供应量
B.狭义货币供应量
C.流通中的现金
D.储蓄状态的货币

【答案】 A
57、甲出资100万、乙出资200万、丙出资400万作为股东，共同成立了丁有限责任公司。下列说法中正确的是（　　）。
A.甲以600万出资额为限对丁公司承担责任
B.乙以500万出资额为限对丁公司承担责任
C.丙以300万出资额为限对丁公司承担责任
D.丁以700万全部财产对公司债务承担责任

【答案】 D
58、中国近代史上第一个不平等条约是（）。
A.《南京条约》
B.《马关条约》
C.《瑷珲条约》
D.《望厦条约》

【答案】 A
59、They could give you a nationally____qualification and the experience you need to get the job.
A.recognized
B.viewed
C.regarded
D.realized

【答案】 A
60、近三十年的航海历程推动了作为商品的青花瓷的大量生产与外销，不仅促进技术创新，使青花瓷达到瓷器新工艺的顶峰，而且改变了中国瓷器发展的走向，带来了人们审美观念的更新。这也就意味着，如果没有郑和远航带来活跃的对外贸易，青花瓷也许会像在元代一样，只是中国瓷器的诸多品种之一，而不会成为主流，更不会成为中国瓷器的代表。由此可见，青花瓷崛起是郑和航海时代技术创新与文化交融的硕果，中外交往的繁盛在推动文明大交融的同时，也推动了生产技术与文化艺术的创新发展。
A.航海历程推动了青花瓷的发展
B.郑航下西洋使得青花瓷发展到鼎盛
C.中外交流的繁多也推动了科技和文化的创新
D.中外交往的增多推动了文明的大融合

【答案】 C
61、国务院总理温家宝2012年3月5日向十一届全国人大五次会议作政府工作报告时提 出，2012年中央财政已按全国财政性教育经费支出占国内生产总值的（ ）编制预算，地方财 玫也要相应安排，确保实现这一目标。这意味着该目标自1993年提出以来我国有望首次实现这一承诺。
A.3%
B.4%
C.2.8%
D.3. 5%

【答案】 B
62、日本和我国香港的财务公司采用的模式是（ ）
A.美国模式
B.中国模式
C.英国模式
D.日本模式

【答案】 C
63、资料：Our goal with the new MacBook was to do the impossible: engineer a full-size experience