2022-2025年银行招聘之银行招聘综合知识高分通关题型题库附解析答案.docx

2022-2025年银行招聘之银行招聘综合知识高分通关题型题库附解析答案

单选题（共800题）
1、计算机的指令包括操作码和（ ）。
A.地址码
B.运算码
C.编译码
D.机器码

【答案】 A
2、资料：Desktop Support for Private Equity Firm in Midtown
A.Customer service skills
B.Rich expression
C.Knowledge of computer hardware
D.Knowledge of network printer installation

【答案】 B
3、资料：Think for a moment of your definition of persuasion. If you are like most business people I have encountered, you see persuasion as a relatively staightforward process. First, you strongly state your position. Second,you outline the supporting arguments, followed by a highly assertive, databased exposition. Finally, you enter the deal-making stage and work toward a “close.” In other words, you use logic, persistence, and personal enthusiasm to get others to buy a good idea. The reality is that following this process is one surefire way to fail at persuasion.
A.When the speaker is very confident and assertive
B.When the speaker is very logic and data-supported
C.When the speaker is open-minded and flexible
D.When the speaker is knowledgeable and authoritative

【答案】 C
4、在下列沟通形态中，组织成员满足感最高的沟通形态是（　　）。
A.链式
B.轮式
C.Y式
D.全通道式

【答案】 D
5、The spokesman didn’t（　　）any details concerning the disarmament talk.
A.expose
B.disclose
C.enclose
D.impart

【答案】 B
6、Prior（　　）his departure,he addressed a letter to his daughter.
A.to
B.of
C.in
D.from

【答案】 A
7、( )会增加失业。
A.退休工人的数量增加
B.退休劳动力队伍的人数增加
C.离开学校找工作的人数增加D*离开工作上学的人数增加

【答案】 C
8、材料一：为进一步支持实体经济发展，优化流动性结构，降低融资成本，中国人民银行决定下调金融机构存款准备金率1个百分点，其中，2019年1月15日和1月25日分别下调0.5个百分点。同时，2019年一季度到期的中期借贷便利（MLF）不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动，有利于金融机构继续加大对小微企业、民营企业支持力度。
A.常备借贷便利
B.中期借贷便利
C.抵押补充贷款
D.中央银行贷款

【答案】 D
9、股利分配中的除息日是指（ ）。
A.股利权与股票互相分离的日期
B.股利发放日期
C.领取股利的登记日期
D.股利权从属于股票的日期

【答案】 A
10、按出票人不同，汇票可分为（ ）。
A.银行汇票
B.商业汇票
C.银行汇票和商业汇票
D.企业汇票和商业汇票

【答案】 C
11、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
12、企业支付的产品广告费，应通过（ ）账簿反映。
A.序时
B.备查
C.数量金额
D.分类

【答案】 B
13、商业银行最主要的资金来源是（　　）。
A.资本金
B.中央银行借款
C.发行金融债券
D.存款负债

【答案】 D
14、在20世纪80年代中后期，由于温州很多企业生产假冒伪劣产品，导致了在全国市场上抵制“温州货”现象。这表明（　　）。
A.使用价值是价值的物质承担者
B.生产商品的个别劳动时间少于社会必要劳动时间
C.生产商品的个别劳动时间多于社会必要劳动时间
D.价值是使用价值的前提和基础

【答案】 A
15、下列叙述正确的是（)
A.字长为16位表示这台计算机最大能计算一个16位的十进制数
B.字长为16位表示这台计算机的CPU —次能处理16位二进制数
C.运算器只能进行算术运算
D.SRAM的集成度高于DRAM

【答案】 B
16、资料：There's a good chance that spicy crunchy tuna roll you ordered for lunch doesn't actually contain any tuna at all.
A.Because the risk of fake fish is too high
B.Because not every restaurant can afford snapper
C.Because consumers don't like snapper sushi
D.Because snapper is rare

【答案】 A
17、经常项目账户的顺差意味着( ）。
A.出口大于进口
B.出口小于进口
C.出口等于进口
D.出口的增加大于进口增加

【答案】 A
18、根据利率期限的结构性溢价理论，如果在接下来的3年中，预期的1年期债券利率分别为4%、5%、6%，3年期债券的流动性溢价为0.5%，那么3年期债券的利率是（　　）。
A.4%
B.4.5%
C.5%
D.5.5%

【答案】 D
19、关于维生素，下列说法正确的是（　　）。
A.缺乏维C可致佝偻病
B.维A有助于视力和免疫力
C.维E有助于凝血并强健骨骼
D.维D促进骨骼生长和重构，防止败血病

【答案】 B
20、资料：As more personal business is conducted through smartphone devices , more users are implementing security measures for their devices, according to a recent survey by Harris Poll and commissioned by the CTIA.
A.and
B.and
C.and
D.and

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

【答案】 B
22、未经正式公布的法律是（ ）。
A.有效的
B.无效的
C.部分有效的
D.以上答案都不对

【答案】 B
23、 为了避免重复记账．习惯上对于将现金存入银行的业务，一般只编制（　　）。
A.现金付款凭证
B.银行存款收款凭证
C.现金收款凭证
D.银行存款付款凭证

【答案】 A
24、我国对不正当竞争行为进行监督检査的主管部门是（ ）。
A.国内贸易部
B.技术监督局
C.工商行政管理局
D.物价局

【答案】 C
25、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.At almost unprecedented moment in history, we should reach our potential to decide whether to take the right path
B.At almost unprecedented moment in history we should reach our potential to decide whether to take decisive action
C.At almost unprecedented moment history,we should reach our potential to choose the right answers to all the problems encountered by us
D.At almost unprecedented moment in history we should our potential to realize the advent of the era of self-driving cars

【答案】 D
26、资料：（二）
A.The loans are expected to help seniors stay in their homes
B.The loans are driving all seniors out of their homes
C.The reverse mortgage only welcomes seniors
D.Any senior can apply for reverse mortgages

【答案】 A
27、资料：Our goal with the new MacBook was to do the impossible: engineer a full-size experience into the lightest and most compact Mac notebook ever. That meant reimagining every element to make it not only lighter and thinner but also better. The result is more than just a new notebook. It’s the future of the notebook. And now, with sixth-generation Intel processors, improved graphics performance, faster flash storage, and up to 10 hours of battery life. MacBook is even more capable.
A.Bigger screen
B.Faster flash storage
C.Longer battery life
D.Clear representation

【答案】 A
28、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
29、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
30、对英镑和美元而言，如果英镑的汇率上升，意味着美元的汇率将（ ）。
A.上升
B.下降
C.不变
D.两者之间没有关系

【答案】 B
31、 证明实物资产是否存在的非常有说服力的证据是( )。
A.书面证据
B.环境证据
C.实物证据
D.口头证据

【答案】 C
32、失业对社会稳定和经济健康发展都有十分严重的危害，为了对失业进行更深入地研究，经济学按失业的原因将其分为不同类型，下列不属于经济学按失业原因分类的是（　　）。
A.摩擦性失业
B.结构性失业
C.放开性失业
D.周期性失业

【答案】 C
33、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 degrading joints
B.the thinning of your hair
C.the good condition of your organs
D.the wrinkles around your eyes

【答案】 C
34、The title page identifies the airplane model in airline ______ the manual was prepared.
A.to
B.for
C.which
D.for which

【答案】 D
35、 一般认为结算业务是一种（　　）。
A.委托代理关系
B.债权债务关系
C.保管合同关系
D.以上说法都不对

【答案】 A
36、1011BH是（　　）。
A.表示一个二进制数
B.表示一个十六进制数
C.表示一个十进制数
D.一个错误的表示

【答案】 B
37、2020年3月31日，教育部发布《关于2020年全国高考时间安排的公告》。经党中央、国务院同意，2020年全国普通高等学校招生统一考试延期到（　　）。
A.06月27日至28日
B.7月7日至8日
C.8月7日至8日
D.7月27日至28日

【答案】 B
38、 反映企业在某一特定日期财务状况的会计报表是（ ）。
A.利润表
B.资产负债表
C.现金流量表
D.所有者权益变动表

【答案】 B
39、（　　）on her past mistakes,Jessie realized that she had trusted wrong people.
A.Reflecting
B.To reflect
C.Being reflected
D.Reflect

【答案】 A
40、 下列有关人民币清算的说法中，正确的是（　）。
A.系统内与账户行结合的清算
B.借助于账户行的联行清算
C.系统内的应收应付的联行清算
D.借助于账户行的实收实付的清算

【答案】 C
41、流动性资产是指（ ）个月内变现的资产。
A.1
B.2
C.6
D.12

【答案】 D
42、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.Latin American countries and in South-East Asia
B.German, Japan and China
C.German, Japan and United States
D.Not mentioned

【答案】 C
43、资料：We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list.
A.Sleep and Photographic memory
B.Lack of Sleep Leading to Crimes
C.Sleep and Cognitive of human beings
D.Lack of Sleep Producing False Memory

【答案】 D
44、2008年全球金融危机爆发以来，世界主要国家央行开始采取特殊货币政策，美国在利率水平已经接近纪录最低时，推出了一系列非常规货币政策，包括为了支持银行贷款的长期流动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取了非常规货币政策。IMF于2013年5月16日发布了《非常规货币政策：最近经验与前景》报告，报告称发达国家的非常规货币政策在很大程度上帮助实现了该国政策目标，诸如持续两年左右的购买国债计划帮助美国和英国的GDP增速提升了约2个百分点，然而，发达国家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新兴市场的汇率过度升值和波动。
A.本国利率高于国外利率，则资本流入本国
B.本国利率低于国外利率，则资本流入本国
C.资本流动属于国际收支平衡表中的平衡项目
D.资金流动与汇率变动并无直接联系

【答案】 A
45、资料：之后，经济学家Mr.W谈了谈对中国的一些看法，请根据下列资料回答问题。
A.he German-based corruption watchdog is probably a committee which makes sure that companies do not act illegally or irresponsibly
B.Bribery, nepotism, gift giving, and kickbacks are illegal in the commercial activities
C.Westerners are more critical about Guan xi in business
D.All of above

【答案】 D
46、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
47、1912年（　　）写出第一本以“Marketing”命名的教科书，被认为是市场营销学作为一门独立学科出现的标志。
A.鲍敦
B.菲利普·科特勒。
C.彼得·杜拉克
D.赫杰特齐

【答案】 D
48、资料：Keeping the Zeal of a Startup as You Scale
A.An insurgent company invests more in the future while an incumbent company invests more in the status quo
B.An insurgent company prefers chaos to stability
C.An insurgent company loves challenging the incumbent companies
D.An insurgent company sees changes as opportunities while an incumbent company loves stability more

【答案】 D
49、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.To reduce the risk of global warming, more should be invested on low-emissions energy sources
B.Climate change is not only a climate issue, but also a business issue
C.It’s more difficult to quantify the greenhouse gas emissions on the Dakota Access than Keystone XL
D.US and China will work together to cope with climate change

【答案】 D
50、填入括号中最恰当的一项是（　　）。
A.发表，独树一帜
B.抒发，独出心裁
C.发表，别具一格
D.抒发，别有用心

【答案】 B
51、在因特网上，一台计算机可以作为另一台主机的远程终端，使用该主机的资源，该项服务称为（　　）。
A.Telnet
B.BBS
C.FTP
D.WWW

【答案】 A
52、下列关于数字人民币的说法，不准确的是（　　）
A.数字人民币是由中国人民银行发行的数字形式的法定货币
B.它的发行要靠行政强制来实现，不是以市场化的方式进行
C.数字人民币不会形成对纸钞和硬币的替代，后者将正常使用
D.它由指定运营机构参与运营，并向公众兑换，与纸钞和硬币等价

【答案】 B
53、资料：When a consumer finds that an item she or he bought is faulty or in some other way does not live up to the manufacturer's claims， the first step is to present the warranty， or any other records which might help. at the store of purchase. In most cases，this action will produce results. However， if it does not， there are various means the consumer may use to gain satisfaction A simple and common method used by many consumers is to complain directly to the store manager. In general， the “higher up” his or her complaint， the faster he or she can expect it to be settled. In such a case， it is usually settled in the consumer's favor， assuming he or she has a just claim.
A.Complain again politely
B.Threaten to take further measures
C.Complain in a rude way
D.Report it to the management of the company

【答案】 B
54、 通知存款中，对已办理通知手续而不支取或在通知期限内取消通知的，通知期限内（　）。
A.计息
B.计息与否不定
C.不计息
D.视情况支取利息

【答案】 C
55、Hawass said the collection of workers’ tombs, some of ______ were found in the 1990s, were among the most significant findings in the 20th and 21st centuries.
A.them
B.whom
C.which
D.who

【答案】 C
56、R公司为增值税一般纳税人，增值税率为17%，消费税率为10%。2017年1月1日，委托加工一批实际成本为50000元的原材料，收回后将用于继续加工应税消费品。现收回该批材料，并支出加工费2000元，增值税340元，消费税8000元。假定不考虑其他因素，收回该批入账价值为（　　）元。
A.60340
B.60000
C.52340
D.52000

【答案】 D
57、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.Around 1981
B.Around 1986
C.Around 1976
D.Around 1992

【答案】 C
58、下列历史事件按时间排序正确的一组是（　　）
A.百家争鸣——独尊儒术——新文化运动
B.大泽乡起义——太平天国运动——安史之乱
C.王安石变法——商鞅变法——戊戌变法
D.贞观之治——文景之治——康乾盛世

【答案】 A
59、You would imagine that sleeping was a quiet and peaceful experience but in reality，our brains are more active during some stages of sleep than when we are______。
A.wake
B.awake
C.waken
D.awaken

【答案】 B
60、Passage 7
A.They turn to physicians for advice
B.They tend to make risky decisions
C.They adopt a totally new perspective
D.They refrain from trying anything new

【答案】 D
61、某公司招聘甲、乙两种职位的人员共90人，甲、乙两种职位人员每月的工资分别为1500元和2500元，若甲岗位的工资总支出是乙岗位的40%，则乙岗位招聘人数比甲职位多（　　）人。
A.24
B.20
C.18
D.15

【答案】 C
62、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.internal accounting controls
B.internal financial controls
C.administrative controls
D.external controls

【答案】 C
63、Are you going out? Yes, please lock the door when you ___ .
A.will leave
B.leave
C.have been leaving
D.will have left

【答案】 B
64、资料：As more personal business is conducted through smartphone devices , more users are implementing security measures for their devices, according to a recent survey by Harris Poll and commissioned by the CTIA.
A.Developers and device manufacturers are becoming more aware of security features
B.Lack of security features could result in negative consumer attitudes
C.Smartphone users are becoming more aware of security features
D.Smartphone users are becoming more aware of government surveillance

【答案】 C
65、Passage 5
A.poor quality rails and unreliable stopping systems
B.lack of financial support for development
C.limited railroad lines
D.lack of a transcontinental railroad

【答案】 A
66、下来关于“服务业营业税改征增值税”的说法正确的是（ ）。
A.服务业营业税改征增值税是指根据服务业的营业税修改增值税
B.改革只针对服务行业
C.服务业营业税改征增值税是指对服务业由征收营业税改为征收增值税
D.试点行业的总体税负略有增加

【答案】 C
67、鱼缸中的水温恒定在24度左右。一个气泡缓缓从鱼缸的底部升起，到达水面用了4秒，那么，在这个过程中，（　　）。
A.气泡的体积变小、吸收热量
B.气泡体积不变，不放出热量也不吸收热量
C.气泡体积变大，吸收热量
D.气泡体积不变.放出热量

【答案】 C
68、资料：No matter how carefully you