2022-2025年银行招聘之银行招聘综合知识基础试题库和答案要点.docx

2022-2025年银行招聘之银行招聘综合知识基础试题库和答案要点

单选题（共800题）
1、Tony stops him with news that a plane has ______ over the Mojave Desert.
A.blown off
B.blown in
C.blown down
D.blown up

【答案】 D
2、资料：To manage teams organization require effective managers.Highly skilled and trained managers can make more informed decisions. The use of beat practice models enables managers to ensure their teams operate efficiently.This will improve quality for customers as staff will be better trained to deal with customers' needs.It will also improve team effectiveness and help organizations to perform better.
A.Customers' needs
B.Practice models
C.Books of management
D.A trained secretary

【答案】 B
3、资料：Earlier this month, presidents Barack Obama of the US and Xi Jinping of China made an important symbolic gesture when they committed their countries, the two largest greenhouse gas emitters, to the Paris climate agreement. It was the clearest signal yet to investors worldwide that they need to think about the implications of global warming for their portfolios.
A.The catastrophic consequences of climate change
B.US efforts in controlling greenhouse gas emissions
C.Investment threats in a changing climate
D.The world is in danger

【答案】 C
4、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。
A.The conceptions of globalization vary
B.The disciplines in the social sciences vary
C.There are less conceptions of globalization
D.There are many disciplines in the social sciences

【答案】 C
5、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.discuss why developing countries are playing major role
B.illustrate a theory for poverty reduction
C.explain reasons behind a report
D.interpret the role of trade for developing countries

【答案】 C
6、资料：We never thought we'd say this, but we'd welcome back some chilly weather.
A.About 60s and 70s
B.Between 60s and 90s
C.Below 60s
D.About 80s and 90s

【答案】 D
7、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.Hominid and panin were humans ancestors 5.4 million years ago
B.Chimpanzees existed at a branch of phylogenetic tree are called “hominid”
C.Humans on phylogenetic tree analysis are supposed to be called “panin.”
D.Scientists think humans and Chimpanzees converged from a common ancestor，based on phylogenetic tree analysis

【答案】 D
8、下列作家和作品对应不正确的是（　　）
A.叶圣陶——《多收了五斗米》
B.巴金——《家》
C.矛盾——《包身工》
D.老舍——《骆驼祥子》

【答案】 C
9、关于商业汇票贴现核算的下列表述中，不正确的是（　　）。
A.商业银行通过“贴现资产”科目核算办理相关业务
B.该科目应该按照贴现种类和贴现申请人进行明细核算
C.会计部门接到贴现凭证及商业汇票后，按照规定的贴现率计算出贴现利息并给予扣收，实付贴现金额=汇票金额-汇票天数*贴现天数*月贴现率
D.编制会计分录：借记：贴现资产——商业承兑汇票或银行承兑汇票（面值）贷记：吸收存款——贴现申请人户，贷记——贴现资产——利息调整

【答案】 C
10、一次校友聚会有35人参加，在参加联欢会的同学中，每个女生认识的男生人数各不相同，而且恰好构成一串连续的自然数，最多的全认识，最少的也认识12个，这次聚会有（　　）个女生。
A.24
B.13
C.12
D.无法确定

【答案】 C
11、中央银行在经济衰退时，（　　）法定存款准备金率。
A.调高
B.降低
C.不改变
D.取消

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

【答案】 A
13、 如果报表上有关项目的名称或金额受到限制或需要简要补充说明时，可直接采用（　）。
A.底注
B.旁注
C.底表
D.侧表

【答案】 B
14、How’s your tour around the North Lake Is it beautiful
A.will
B.would
C.should
D.Must

【答案】 C
15、资料：Faces, like fingerprints, are unique. Did you ever wonder how it possible for us to recognize people? Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child or even an animal, such as a pingeon can learm to recognize faces. We all take this ability for granted.
A.How to describe people’s personatities
B.How to distinguish people’s faces
C.How to distinguish people both inward and outward
D.How to differ good people from bad people

【答案】 C
16、Passage3
A.are cooked with the powder of some plants
B.have fufu in them
C.are too hard to eat
D.are very hard

【答案】 D
17、资料：Directions : There is 1 passage in this part. The passage is followed by some questions or unfinished statements. For each of them there are four choices , You should decide on the best choice.
A.They have concerns of the security and convenience of FaceID
B.They don’ t believe iPhone X’ s FaceID can successfully unlock a phone every time
C.They have doubts of its technique to overcome variable lighting and subtle change of the user’s face
D.They are mainly worried about the smartphone’ s accuracy

【答案】 B
18、在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融 工具销售给投资者的金融机构属于（ ）。
A.直接金融机构
B.金融服务机构
C.创造货币机构
D.间接金融机构

【答案】 A
19、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Kuwait，Qatar and UAE will face tougher situation than other peers
B.Qatar and UAE’s economy will be better than that of Kuwait
C.Life for Saudi Arabia，Oman and Bahrain will only be tougher
D.All GCC states will hardly solve the hard problem

【答案】 C
20、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
21、On Thursday, lawmakers introduced a bill to ______ harsher penalties for sexual assault in the military.
A.integrate
B.invade
C.impose
D.impair

【答案】 C
22、He spent ages ______ for a pay increase，only to resign from his job soon after he’d received it.
A.observing
B.occurring
C.negotiating
D.securing

【答案】 C
23、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
24、激光器通常由（ ）组成。
A.工作物质、谐振腔、激光源
B.工作物质、谐振腔、光源
C.工作物质、激光源、发射器
D.谐振腔、激光源、发射器

【答案】 C
25、All（　　）is a continuous supply of fuel oil.
A.what is needed
B.that is needed
C.the thing needed
D.for their needs

【答案】 B
26、下列属于中国银行业监督管理委员会监管标准的有（ ）。
A.促进金融稳定与金融创新
B.监管成本最优
C.增进市场信心
D.增进公众对现代金融的了解

【答案】 A
27、资料：We never thought we'd say this, but we'd welcome back some chilly weather.
A.the cool mass of air originates from Canada
B.a mass of cold air will affect both Canada and the U.S
C.the chilly weather is back to the globe
D.only the upper Midwest will be affected by the cool air

【答案】 B
28、Passage 8
A.explosive growth
B.the reform of reverse mortgage market
C.little consideration to suitability
D.aggressive and improper marketing

【答案】 B
29、资料：Word of Mouth promotion is based on the principle of pull marketing.
A.word of Mouth promotion is based on the principle of pull marketing
B.it uses above the line promotional techniques
C.it gets consumers to bring other countries to the product
D.it relies on the transimission of positive message

【答案】 B
30、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.555 million
B.370 million
C.740 million
D.185 million

【答案】 C
31、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
32、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
33、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.changes
B.makes
C.sets
D.turns

【答案】 B
34、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.To require an instant respond for after-hour emailing
B.To abandon after-hour emailing
C.To tell employees that an after-hours email doesn't necessarily require a response
D.To limit the time of after-hour emailing

【答案】 D
35、消费者对价格敏感，生产与销售成本低，竞争者易进入，商品差异性小的新产品定价，应采用（　　）。
A.高价策略
B.低价策略
C.满意策略
D.折扣策略

【答案】 B
36、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
37、资料：Happy wood sprites knows the way to Fenghuang city.
A.It is creamed
B.It is steamed
C.It is grilled
D.It is roasted

【答案】 C
38、资料：Memo
A.To assign a task
B.To introduce a client
C.To announce a publishing merger
D.To change the tie of a meeting

【答案】 A
39、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
40、资料：Human resource professionals act as mediators between an organization's management and its workers. This requires wearing many hats It's an HR administrator's job to make sure that employees are working in a safe environment that disputes are settled， and that benefits are understood and administered properly. At the same time， HR is charged with recruiting new employees who will not only fit in personally and professionally but also help the company achieve its business goals. They also represent management when negotiating for benefits with companies administering these benefits and when implementing companywide policies that will ultimately lower costs or boost profits. The needs of HR cover a wide range of tasks and，therefore， require individuals who are good with people in addition to being organized， analytical， business-minded， and heroic multitaskers.
A.Ensure a sound working environment for employees
B.Represent management in negotiation and policy implementation
C.Help achieve business goals and profit boost
D.Hire promising new employees for the sake of the company

【答案】 C
41、我国政府提出的（ ）是“低碳”概念的核心概念。
A.节能减排
B.环境保护
C.出口退税
D.计划生育

【答案】 A
42、Much of Canada’s forestry ____goes towards making pulp and paper.
A.production
B.introduction
C.orientation
D.multiplication

【答案】 A
43、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.nature
B.each other
C.other teams
D.international standards

【答案】 A
44、( )年10月27日中国工商银行于上海及香港同步上市，实现了从国有独资商业银行到股份制商业银行，再到国际公众持股公司的历史任务。
A.2005
B.2006
C.2007
D.2008

【答案】 B
45、向最终消费者直接销售产品和服务，用于个人及非商业性用途的活动属于（　　）。
A.零售
B.批发
C.代理
D.直销

【答案】 A
46、发生地震时，某大型超市内发生了骚乱，下列人员中，所处位置相对安全的是（　　）。
A.自动电梯上
B.奶粉货架旁
C.承重柱旁
D.收银台旁

【答案】 C
47、资料：China's Fosun has offered to buy almost 17 percent of Millennium BCP, Portugal's largest listed bank, and potentially lift its stake to 30 percent, following a having in its share price in the year to date.
A.?0.03
B.?0.02
C.?0.05
D.?0.025

【答案】 A
48、资料：Job Description
A.communicate
B.response
C.ransom
D.manage

【答案】 A
49、资料：When we see well，we do not think about our eyes very often. It is only when we cannot see perfectly that we realize how important our eyes are.
A.astigmatic
B.far-sighted
C.suffering from cataracts
D.near-sighted

【答案】 D
50、某物流企业向中国农业银行借入资金100万元，年利率为4％，由于银行要求将贷款额度的20％作为补偿性余额，则该物流企业的实际借款利率为（　　）。
A.5％
B.4％
C.6％
D.7％

【答案】 A
51、2012年GDP增速目标为（ ）；全年CPI控制在4%。
A.7. 5%
B.7. 8%
C.7.6%
D.8%

【答案】 A
52、一个垄断厂商分别对两个市场实行差别定价垄断，下列选项哪个正确？（　　）
A.会操纵价格需求使两个市场的价格弹性相同
B.弹性更高的市场其价格更高
C.弹性更高的市场价格更低
D.需求弹性越高的市场出售产品越多

【答案】 C
53、2012年1月8日，中国人民银行工作会议在北京闭幕，会议上透露出的信息显示，（ ）仍是金融宏观调控的首要任务。
A.稳定物价总水平
B.抑制投资
C.降低金融风险
D.控制货币供应量

【答案】 A
54、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
55、在总线拓扑的网络中，每次可传输信号的设备数目为（　　）。
A.2个
B.3个
C.1个
D.任意个

【答案】 C
56、Recruiting the right people _____looking for individuals with diverse skills from a range of backgrounds .
A.is
B.is involved
C.involves
D.are

【答案】 C
57、For quite（　　）students,their teacher’s advice is much more useful than（　　）of their parents’.
A.few;one
B.a few;that
C.a little;some
D.a lot;many

【答案】 B
58、资料：In a survey,people were asked to choose between treatments to save 600 people from dying a disease.
A.The participants
B.The wording
C.The background
D.The contents

【答案】 B
59、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sitting there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.
A.Tell readers to be good listeners
B.Analyze the behavior of good listeners
C.Explain what would happen if speakers are boring
D.Encourage listeners to help the other person to see the conversation in a new light

【答案】 A
60、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