2025年银行招聘之银行招聘综合知识能力提升试卷B卷附答案.docx

2025年银行招聘之银行招聘综合知识能力提升试卷B卷附答案

单选题（共800题）
1、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.doubtful
B.indifferent
C.positive
D.pessimistic

【答案】 C
2、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.It is important for robots to learn about the context so as to understand human emotions
B.Whether humanoids will have human emotions themselves still remains unclear
C.It is a stigma for robots to have different layers of human emotions
D.The nature of human emotions will hinder the development of humanoids

【答案】 A
3、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
4、政府支出增加时，可能会使私人支出减少，这一效应称为（　　）。
A.替代效应
B.挤出效应
C.投资乘数效应
D.凯恩斯陷阱

【答案】 B
5、我国历史上第一个统一的中央集权制的封建国家是（）。
A.夏
B.商
C.秦
D.汉

【答案】 C
6、温家宝总理在给一位国务院参事的回信中，引用了两句诗：“知屋漏者在宇下，知政失者在草野。”这一古训蕴含的哲理是（　　）。
A.人的经验是判断是非得失的根本尺度
B.直接经验比间接经验更重要
C.感性认识高于理性认识
D.人民群众的直接经验即实践是认识的重要基础

【答案】 D
7、Passage 1
A.introduce a new course to students
B.help students learn about investment
C.teach how to apply for a credit card
D.encourage students’personal savings

【答案】 B
8、资料：Stress is a common factor in life. Children experience stress from school, new social situations and simply growing up. Adults feel the stress of working, paying bills, raising kids and maintaining households. Seniors also feel stress, even though some may have retired, raised their children and paid off their homes. Certain amounts of stress are a part of life for people of all ages.
A.Changing schools may cause children’s stress
B.Seniors would feel stress of paying mortgage
C.Grown-ups would get stress from raising kids
D.Loss of a friend may be the source of stress for seniors

【答案】 B
9、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 conclusions are based on carefully collected data
B.It is vulnerable to criticism if the statistics are closely examined
C.It will give rise to heated discussions at the Copenhagen conference
D.Its rough estimates are meant to draw the attention of world leaders

【答案】 D
10、下列有关中国近代史上重要历史人物与其所做出的贡献，搭配不正确的是（　　）
A.左宗棠一收复新疆
B.林则徐一虎门销烟
C.李鸿章一辛亥革命
D.冯子材一镇南关大捷

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

【答案】 A
12、The rise of the____industry in Georgia was a significant historical development with a profound effect on the state's textile manufacture.
A.fabric
B.fiber
C.filming
D.fashion

【答案】 A
13、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
14、银行内部管理人员根据银行所承担的风险计算的，银行需要保有的最低资本量称为（　　）。
A.实收资本
B.核心资本
C.监管资本
D.经济资本

【答案】 D
15、—I think English is_math.
A.much important than
B.so important as
C.as important as
D.as more important as

【答案】 C
16、Passage 8
A.several time throughout the year
B.as quickly as possible
C.occasionally when necessary
D.regularly every winter

【答案】 D
17、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.language can help brain power
B.man's ability of learning a second language
C.science on learning a second language
D.language learning and maths study

【答案】 A
18、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？
A.作者认为移动设备对青少年的影响与以往的新技术相同
B.智能手机等移动设备目前还没有“引发灾难”
C.作者认为家长对移动技术的担心是没有必要的
D.作者认为新技术后果的评估和它的问世之间存在时间上的滞后

【答案】 A
19、填入括号中最恰当的词语是（　　）。
A.演习多少
B.演练多少
C.演习稍微
D.演练稍微

【答案】 D
20、张先生回国后要将手中多余2万美元换回人民币，现有两家银行USD/CNY报价分别为：A银行6.1500-6.2200，B银行6.1600-6.2150，他最多可以换到多少人民币（　　）。
A.12.30万元
B.12.32万元
C.12.43万元
D.12.44万元

【答案】 B
21、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
22、Which of the following is or was an example of representative full-bodied money？（ ）。
A.Debt money
B.ATS account
C.Gold certificate
D.Demand deposit

【答案】 C
23、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.提高收益

【答案】 B
24、历时19年，由北宋司马光主编的多卷本编年体史书是（　　）。
A.《史记》
B.《资治通鉴》
C.《汉纪》
D.《二十四史》

【答案】 B
25、票据丧失的补救措施不包括（ ）。
A.停止支付
B.挂失止付
C.公示催告
D.提起诉讼

【答案】 A
26、中央银行提供的基础货币是通过其资产业务流通出去的，下列不属于中央银行提供基础货币途径的是（　　）。
A.对商业银行办理再贴现或发放再贷款，变动对金融机构的债权
B.中央银行收购外汇、黄金，变动储备资产
C.调整存款利率，影响公众存款意愿
D.在公开市场买卖政府债券，变动对政府的债权

【答案】 C
27、一个立方体随意翻动，每次翻动朝上一面的颜色与翻动前都不同，那么这个立方体的颜色至少有几种？（　　）
A.3
B.4
C.5
D.6

【答案】 A
28、需求拉上型通货膨胀可以通俗地表述为（ ）。
A.太多的货币追求太多的商品
B.太多的货币追求太少的商品
C.太少的货币追求太多的商品
D.太少的货币追求太少的商品

【答案】 B
29、资料：Early Experiences
A.streamlined interface
B.free of redundant functionality
C.Benefit the customers
D.Satisfy all the need of the customers

【答案】 D
30、2020年4月29日，中共中央政治局委员会召开会议，会议指出，党中央研究确定了支持湖北省经济社会发展（　　），从财政税收、金融信贷、投资外贸等方面明确了具体措施。
A.全包全揽计划
B.加速加快发展
C.一揽子政策
D.一省带一市

【答案】 C
31、某砖厂计划20天生产30000块砖，现在已生产的块数可以装2辆卡车，已知每盒装6块砖，每箱装40盒，每辆卡车装50箱，照这样计算，还要生产几天才能全部完成？（　　）
A.4天
B.6天
C.8天
D.10天

【答案】 A
32、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.We need to reach everyone’s potential to realize self-driving cars
B.There are still many problems to be solved in self-driving cars
C.Lyft co-founder says most of its cars will be autonomous in 5 years
D.The advantages and disadvantages of self-driving cars

【答案】 C
33、She was very____of our efforts to help.
A.appreciating
B.appreciative
C.appreciate
D.appreciable

【答案】 B
34、By the end of next month we（　　）the task.
A.will finish
B.will be finishing
C.will have finished
D.have finished

【答案】 C
35、 银行汇票持票人在代理付款行开户的处理中，代理付款行收到在本行开户的持票人送交的汇票、解讫通知和进账单，经审核无误后，以汇票作借方传票，第二联进账单作贷款传票。其会计分录为( )。
A.借：××存款一一持票人户 　　贷：存放联行款项(联行往账)
B.借：××存款一一持票人户 　　贷：银行存款
C.借：银行存款 　　贷：××存款——持票人户
D.借：存放联行款项(联行往账) 　　贷：××存款一一持票人户

【答案】 D
36、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
37、Your suggestion could only make things worse____.
A.if anything
B.if everything
C.if nothing
D.if something

【答案】 A
38、2020年2月23日，习近平在统筹推进新冠肺炎疫情防控和经济社会发展工作部署会议上表重要讲话，会议指出，疫情直接影响居民收入，再叠加物价上涨因素，部分群众基本生活面临的困难可能增多。要落实（　　）责任制和（　　）负责制，保障主副食品供应。
A.“米袋子”省长“菜篮子”市长
B.“米袋子”市长“菜篮子”县长
C.“菜篮子”省长“米袋子”市长
D.“菜篮子”市长“米袋子”县长

【答案】 A
39、为了确保计算机系统运行的安全，针对用户管理，下列做法不妥当的是（ ）。
A.建立用户身份识别与验证机制，防止非法用户进入应用系统
B.用户权限的分配应遵循“最小特权”原则
C.用户密码应严格保密，并定时更新
D.为了防止重要密码丢失，把密码记录在纸质介质上

【答案】 D
40、 下列属于银行的其他类资产的是( )。
A.活期存款
B.无形资产
C.应付利润
D.应付利息

【答案】 B
41、 会计账簿包括总账、( )、日记账和其他辅助性账簿。
A.明细账
B.余额表
C.日计表
D.统计表

【答案】 A
42、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
43、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
44、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.uneasy
B.awkward
C.furious
D.indifferent

【答案】 A
45、根据购买力平价理论，通货膨胀高的国家货币汇率（　　）。
A.升值
B.贬值
C.升水
D.贴水

【答案】 B
46、That car is my property;you ______ use it without my permission.
A.needn’t
B.might not
C.may not
D.mustn’t

【答案】 D
47、商业性金融机构是按照现代企业制度改造和组建起来的，以营利为目的的银行和非银行金融机构，它们承担了全部商业性金融业务。中华人民共和国的商业性金融机构不包括（　　）。
A.期货市场
B.证券机构
C.银行业金融机构
D.保险机构

【答案】 A
48、一次化妆舞会中，男士戴着蓝色的帽子，女士戴着红色的帽子。每个男士看见的蓝色帽子比红色帽子的2倍还多6个，每位女士看见的蓝色帽子是所见红色帽子的3倍。那么房间里一共有（　　）人。
A.37
B.27
C.39
D.29

【答案】 A
49、If we had followed his plan,we would have done the job with（　　）money and（　　）people.
A.fewer,less
B.less,less
C.less,fewer
D.fewer,fewer

【答案】 C
50、 企业在遭受自然灾害后，对其受损的财物物资进行的清查，属于（　　）。
A.局部清查和定期清查
B.全面清查和定期清查
C.局部清查和不定期清查
D.全面清查和不定期清查

【答案】 C
51、财务管理的核心环节是（ ）。
A.规划和预测
B.财务预算
C.财务决策
D.财务控制

【答案】 C
52、North American______also have a strong reputation in the Indian educational and labor markets.
A.majors
B.degree
C.credits
D.diplomas

【答案】 D
53、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
54、在管理的各项职能中，( )职能能够保证目标及为其而制订的计划得以实现。
A.领导
B.协调
C.控制
D.计划

【答案】 C
55、The boy（ ）when he said that he （ ）the eggs（ ）by the hen in the closet before he（ ）down to have a rest。
A.was lying，had laid，laid，lay
B.had laid，lay，laid，was lying
C.lay，was lying，lain， lay
D.laid，lay，lain，lies

【答案】 A
56、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
57、That car is my property;you ______ use it without my permission.
A.needn’t
B.might not
C.may not
D.mustn’t

【答案】 D
58、Some experts note that children’s performances are____ more influenced by parents than by teacher.
A.quite
B.many
C.almost
D.far

【答案】 D
59、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.Airbnb service in usage doubled in recent fiscal year
B.Businessmen cut cost by using Airbnb service
C.Sharing economic is about to take the lead
D.Airbnb succeeds in competing with traditional accommodation channels to attract longer stays

【答案】 D
60、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.To report on the merger of two airlines
B.To inform investors of updated project plans
C.To announce a new business agreement
D.To describe recent renovations at an airport

【答案】 C
61、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
62、我国对存贷款利率的结息规则中规定，城乡居民活期存款的结息日为（）。
A.3月20日
B.6月20日
C.6月30日
D.9月20日

【答案】 C
63、资料：Early Experiences
A.To determine whether the product is user-friendly
B.To see if the process is simple enough for users to understand
C.To learn about users' perspective
D.To cancel a process or navigate to a specific function or location

【答案】 D
64、《商业银行法》规定了商业银行的经营原则，即商业银行以安全性、流动性、效益型为经营原则以及实行“四自”，其中“四自”中不包括（　　）。
A.自主经营
B.自我监督
C.自负盈亏
D.自我约束

【答案】 B
65、现实的资本主义市场机制在很多场合不能导致资源的有效配置，这种情况被称为“市场失灵”，以下不属于市场失灵情况的是（ ）。
A.垄断
B.外部影响
C.完全信息
D.公共物品

【答案】 C
66、Passage 2
A.close hit
B.heavy loss
C.narrow escape
D.big mistake

【答案】 C
67、专案审计时，对被审计单位长期挂账的往来账户应采取（　）的方法。
A.发电子邮件函证
B.实地调查
C.咨询
D.分析资料

【答案】 B
68、行为作为民事法律关系产生、变更、消灭的法律事实（）。
A.不能是违法行为
B.只能是民事法律行为
C.只能是表意行为
D.既可以是合法行为，也可以是违法行为

【答案】 D
69、按照消费资料的存在形式，消费可分为（ ）。
A.实物消费与服务消费
B.个人消费与社会集团消费
C.个人消费与行政机关消费
D.个人消费与事业单位消费

【答案】 A
70、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the preface of a book
B.an excerpt from a paper on health
C.a book review
D.promotional materials for a book

【答案】 B
71、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.greater economic dynamism
B.aid from developed countries
C.changes of developing countries
D.trade among developing countries

【答案】 B
72、资料：Acknowledging that so-called cloud computing will blur the distinctions between computers and networks, about two dozen big information technology companies plan to announce a new standards-setting group for computer networking. The group, to be called the Open Networking Foundation, hopes to help standardize a set of technologies pioneered at Stanford and the University of California, Berkeley, and meant to make small and large networks programmable in much the same way that individual computers are.
A.harmonize
B.comply
C.integrate
D.conform

【答案】 A
73、The earliest telephones required a different pair of wires for each phone ___ you wished to connect.
A.that
B.which
C.where
D.to which

【答案】 D
74、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
75、在LM曲线的凯恩斯区域，（　　）。
A.货币政策有效
B.财政政策有效
C.财政政策无效
D.财政政策和货币政策同样无效

【答案】 B
76、Cimber Data has, as an organization, 20 years of experience working with airline