2025年银行招聘之银行招聘综合知识题库练习试卷B卷附答案.docx

2025年银行招聘之银行招聘综合知识题库练习试卷B卷附答案

单选题（共800题）
1、We should think long term and take____measures.
A.primitive
B.productive
C.permissive
D.proactive

【答案】 D
2、 小王向银行借了一笔期限为8个月的贷款，到期后因无力偿还而申请展期，则展期期限累积不得超过（　　）。
A.8个月
B.1年
C.2年
D.3年

【答案】 A
3、It is uncertain（　　）side effect the medicine will bring about.
A.that
B.what
C.how
D.whether

【答案】 B
4、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.Because those sites can legitimize suppliers
B.Because those sites are free of charge
C.Because those sites can verify the suppliers’ legitimacy
D.Because those sites can arrange factory visits for businessmen

【答案】 C
5、下列属于消费信用的是（　　）。
A.赊账
B.银团投资
C.直接投资
D.出口信贷

【答案】 A
6、The museum contains several____works of Renaissance art, including two paintings by Raphael, one by Durer, one by Titian, and an early sketch by Tintoretto.
A.useless
B.priceless
C.valueless
D.worthless

【答案】 B
7、廉租住房建设贷款，贷款期限最长不超过（ ）年。
A.2
B.3
C.5
D.8

【答案】 C
8、分贝是用来表示声音强弱的单位，根据我国城市环境噪声标准规定，以居住、文教机关为主的区域为一类区，适用这一类区的环境噪声标准是（）。
A.白天55分贝，夜间40分贝
B.白天55分贝，夜间45分贝
C.白天60分贝，夜间50分贝
D.白天60分贝，夜间55分贝

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

【答案】 A
10、资料：From:prorno@
A.By providing a code
B.By making a payment
C.By promising to write a review
D.By sending in proof of a purchase

【答案】 A
11、 已知某投资项目按14％贴现率计算的净琨值大于零．接16%贴现率计算的净现值小于零，则该项目的内含报酬率肯定（　　）。
A.大于14％，小于16％
B.小于14％
C.等于15％
D.大于16％

【答案】 A
12、资料：We never thought we'd say this, but we'd welcome back some chilly weather.
A.Temperatures in the U.S. fell into negative territory
B.People welcomed cool breezes in the U.S
C.Harsh winter struck in some cities of the U.S
D.Arctic air hit the U.S. for a few times

【答案】 C
13、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.
A.Expanding its business to foreign countries
B.Taking a leading role in the industry
C.Developing high-tech products
D.Offering consumers good user experience

【答案】 A
14、资料：“I wouldn’t be here today if not for the generosity of strangers,” said Michael Moritz, while announcing a major donation to Oxford University. A former Time Magazine reporter, Mr. Moritz left journalism to become one of the most successful venture capitalists in Silicon Valley. Through Sequoia Capital, the firm he joined in 1986 and has led for many years, Mr. Moritz was an early investor in Google, Yahoo, PayPal and LinkedIn. His personal fortune is estimated at well over $1 billion. Oxford University announced last Wednesday that he and his wife, the novelist Harriet Heyman, donated ￡75 million, or $115 million, to fund a new scholarship program aimed at providing financial aid to students from low-income backgrounds. Behind the headlines about the size of the gift was a family story of immigration, education and a sense of obligation that transcended generations.
A.graduated from Oxford University with an MBA degree in 1986
B.wanted to do something to repay the help he had once received
C.showed his interest and talent in venture capitalism as a journalist
D.bought early stocks of Google, Yahoo, PayPal and LinkedIn

【答案】 B
15、Mary quickly closed the door of her room（　　）her father could reach it to keep him out.
A.before
B.when
C.as
D.while

【答案】 A
16、按照保险对象的不同可将保险分为（　　）。
A.人身保险与财产保险
B.自愿保险与强制保险
C.保险与再保险
D.信用保险与人身保险

【答案】 A
17、Since he suffered a great deal from stomachache,the doctor insisted that he ______ wine any more.
A.did not drink
B.does not drink
C.should not drink
D.could not drink

【答案】 C
18、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
19、It is very important that the text is neither too detailed ___ too complex for the intended readers.
A.nor
B.or
C.no
D.not

【答案】 A
20、Not only______the fall of the czar, but it also destroyed the provisional government.
A.did World War I cause
B.World War I cause
C.was World War I cause
D.World War I to cause

【答案】 A
21、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
22、夏日雷雨过后，人们会感到空气特别清新，其主要原因是（ ）。
A.雷雨过后，空气湿度增加
B.雷雨过程中雷电导致空气中的臭氧分子增加
C.雷雨过程中空气中的灰尘随雨水降落到地面
D.雷雨过程中气温快速下降

【答案】 B
23、 引起无罪过事件发生的原因是（　　）。
A.故意损害
B.过失损害
C.不可抗力或未能预见
D.无意损害

【答案】 C
24、国务院办公厅日前印发（　　）。进一步落实全国中医药大会部署，遵循中医药发展规律，认真总结中医药防治新冠肺炎经验做法，破解存在的问题，更好发挥中医药特色和比较优势，推动中医药和西医药相互补充、协调发展。
A.《关于加快中医药产业发展的若干政策措施》
B.《关于加快中医药事业发展的若干政策措施》
C.《关于加快中医药特色发展的若干政策措施》
D.《关于加快中医药传承发展的若干政策措施》

【答案】 C
25、银行承兑汇票期限自出票之日起最长不超过（　　）。
A.3个月
B.6个月
C.1年
D.2年

【答案】 B
26、银行的活期存款人通知银行在其存款额度内无条件支付一定金额给持票人的书面凭证是（）。
A.支票
B.汇票
C.本票
D.存单

【答案】 A
27、基准利率作为其他利率水平或金融资产价格确定的基础，在我国，基准利率是（　　）。
A.同业拆借利率
B.公定利率
C.存贷款利率
D.市场利率

【答案】 C
28、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
29、下列不属于金融市场的作用的是( )。
A.融通资金的“媒介器”
B.经济发展的“润滑剂”
C.加强监管
D.资金供求的“调节器”

【答案】 C
30、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.Chinese market needs more regulations
B.Western retailers cannot succeed in Chinese market
C.In China owing a car does not necessarily mean efficient travel
D.To start a successful business, a better understanding of consumer preference is important

【答案】 B
31、Susan made（　　）clear to me that she wished to make a new life for herself.
A.That
B.this
C.it
D.her

【答案】 C
32、资本主义条件下的借贷资本（　　）。
A.是从职能资本运动中分离出来的一种生息资本
B.是货币资本
C.是高利贷资本
D.是职能资本

【答案】 A
33、利率市场化是市场主体自行决定利率的过程，任何单一市场主体都不能单方面决定利率，那么，在这种制度下，利率的变动将（　　）。
A.随市场资金供求状况而变化
B.随中央银行的基准利率变化而变化
C.随市场货币流动性大小而变化
D.随货币的汇率变动而变化

【答案】 A
34、物体的惯性与( ）有关。
A.速度
B.加速度
C.质量
D.运动状态

【答案】 C
35、某企业外购A、B两种材料，A材料买价20万元，B材料30万元，两种材料共发生运杂费5000元。则B材料取材成本为（　　）。
A.302500元
B.305000元
C.303000元
D.300000元

【答案】 C
36、 It provides that no state may “______any person of life, liberty or property, without due process of law.”
A.deprive
B.derive
C.dispatch
D.discharge

【答案】 A
37、The snake farmers said they had been bitten, some by deadly snakes, and were saved by_____of anti-venom medicine .
A.injection
B.producing
C.infection
D.consuming

【答案】 A
38、资料：The societal marketing concept questions whether the pure marketing concept overlooks possible conflicts between consumers short-run wants and consumer long-run welfare.Is a firm that satisfies the immediate needs and wants of target markets always doing what’s best for consumers in the long run？ The societal marketing concept holds that marketing strategy should deliver value to customers in a way that maintains or improves both the consumers and society’s well-being.
A.To introduce the flourishing bottled water industry
B.To explain about the societal marketing concept
C.To discuss environmental problems
D.To explain about the pure marketing concept

【答案】 B
39、Passage 5
A.9 years
B.7 years
C.4 years
D.3 years

【答案】 D
40、 转让固定资产使用权取得的收入应计入( )。
A.手续费收入
B.其他业务收人
C.营业外收入
D.主营业务成本

【答案】 B
41、Passage2
A.adjustable
B.comfortable
C.self-evident
D.self-righting

【答案】 D
42、 企业的法定盈余公积累计额已达到注册资本的（　　）时可以不再提取。
A.20%
B.50%
C.80%
D.100%

【答案】 B
43、Fewer than 14000 people perished in US airline accidents between the ___ of public aviation and the yar 2000.
A.end
B.start
C.middle
D.terminal

【答案】 B
44、2020年4月28日电，中国证监会已经派驻调查组进驻瑞幸咖啡多日，这是《证券法》修改之后证监会首次实施（　　）的案件，意味着我国证券执法进入了新的历史阶段，开启了证券监管新时代。
A.事后监管权
B.境外管理权
C.冻结查封权
D.长臂管辖权

【答案】 D
45、企业以经营租赁方式租入的生产设备，应通过（ ）账簿反映。
A.序时
B.备查
C.数量金额
D.分类

【答案】 B
46、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.To share with readers the author’s unbearable life caused by cyberbullying
B.To accuse the whole society of its public humiliation which has become a culture
C.To draw people's attention to tragedies of victims due to cyberbullying
D.To complain to readers that social media has made a large amount of money out of

【答案】 C
47、以下属于中国银行业协会的会员单位的是（ ）。
A.中国邮政储蓄银行
B.证券公司
C.金融控股公司
D.财产保险公司

【答案】 A
48、 商业银行的“三性”经营原则不包括（　　）。
A.稳定性原则
B.效益性原则
C.安全性原则
D.流动性原则

【答案】 A
49、The only decent hotel in town had hung out a “Full House” sign, so their only choice （ ） at a small inn.
A.is to put up
B.has been to put up
C.will be put up
D.was to put up

【答案】 D
50、下列各项中，不应确认为应付职工薪酬科目来核算的有（　　）。
A.利润分享计划
B.社会保险费和辞退福利
C.职工工资和福利费
D.差旅费

【答案】 D
51、资料：The daily changes of the market can lead investors astray.The ups and downs make the tendency to look at the portfolio,s performance frequently too temping.This means investers are likely to perceive mere risk,forgetting about their key term goals.
A.Keep themselves from checking their trading accounts
B.Avoid risks in terms of investment plans
C.Pay attention to long-term interests rather than short-term ones
D.缺

【答案】 C
52、对于吉芬物品，其替代效应和收入效应，分别与价格成（　　）变动。
A.同向、同向
B.同向、反向
C.反向、同向
D.反向、反向

【答案】 C
53、有关再贴现率的表述错误的是（　　）。
A.该利率的提高会减少商业银行资金成本，增加盈利
B.包括贴现率和中央银行对商业银行贷款的利率
C.不同于随供求变化而变化的市场利率
D.该利率的提高会减少商业银行贴现和贷款的要求，从而减少流通中的货币

【答案】 A
54、阅读理解
A.scientific reality
B.a symbolic existence
C.the viewer's experience
D.reality colored by emotion

【答案】 A
55、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
56、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.Technology
B.Culture
C.Business
D.Social

【答案】 A
57、The leaves have been swept into huge______.
A.heaps
B.pyramids
C.layers
D.loads

【答案】 A
58、在某一时期，一国经济中总供求大体平衡，但存在消费需求不足而投资需求旺盛结构性矛盾，我国应实行（　　）。
A.松的货币政策和松的财政政策
B.紧的货币政策和紧的财政政策
C.松的货币政策和紧的财政政策
D.紧的货币政策和松的财政政策

【答案】 D
59、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
60、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 fast-paced modern life
B.the significant events in human history
C.increasing consumption of the energy reserves
D.less harmonious life with nature and the seasons

【答案】 C
61、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 fast-paced modern life
B.the significant events in human history
C.increasing consumption of the energy reserves
D.less harmonious life with nature and the seasons

【答案】 C
62、 用以反映债权债务或权利责任已经形成，但尚未涉及资金增减变化的会计事项以及保管债券、单证等事项的是（　　）。
A.表内科目
B.表外科目
C.资产科目
D.负债科目

【答案】 B
63、廉租住房建设贷款，贷款期限最长不超过（ ）年。
A.2
B.3
C.5
D.8

【答案】 C
64、资料：Asked to name their favorite city, many Americans would select San Francisco which began as a small Spanish outpost located on a magnificent bay. The town was little more than a village serving ranchers when the United States took possession of it in 1846 during the war with Mexico.
A.deserters from sailing ships
B.Spanish ranchers
C.gold miners
D.tourists

【答案】 C
65、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
66、一般来讲，在下列（ ）经济背景条件下证券市场呈上升走势最有利。
A.持续、稳定、高速的GDP增长
B.高通胀下的GDP增长
C.宏观调控下的GDP减速增长
D.转折性的GDP变动

【答案】 A
67、船只利用声纳侦测鱼的踪迹，主要是利用声波的（　　）。
A.折射
B.反射
C.辐射
D.共振

【答案】 B
68、The teacher tried to____the trouble makers by pairing them with a well behaved partner.
A.break off
B.break down
C.break in
D.break up

【答案】 D
69、 在会计核算中，资金运动的具体内容是通过在账簿中设置（　　）来反映的。
A.账户
B.会计科目
C.单元
D.内容

【答案】 A
70、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 wi