2022-2025年银行招聘之银行招聘综合知识能力提升试卷A卷附答案.docx

2022-2025年银行招聘之银行招聘综合知识能力提升试卷A卷附答案

单选题（共800题）
1、资料：Keeping the Zeal of a Startup as You Scale
A.They are more concentrated and tend to stick to their goals
B.They frequently defeat old companies in competitions
C.They try figure out new ways to solve problems
D.They do not follow existing rules

【答案】 B
2、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
3、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
B.Chimps and humans
C.Walking on two legs
D.Morphological and genetic studies

【答案】 C
4、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
5、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.had built in security and end-to-end encryption
B.included the CTIA feature in their products
C.were faced with negative consumer attitudes
D.cooperated with FBI to guarantee the securety

【答案】 B
6、The manager said he believed we would win the contract, but I knew that we didn’t really stand a/an____.
A.chance
B.opportunity
C.probability
D.possibility

【答案】 A
7、操作系统的主要作用不包括（　　）。
A.管理系统中的各种软硬件资源
B.播放多媒体计算机系统中各种数字音频和视频文件
C.为用户提供友善的人机界面
D.为应用程序的开发和运行提供一个高效的平台

【答案】 B
8、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.They compete with each other in a smooth way
B.They form partnership with each other
C.They have a superior-subordinate relationship
D.They are opponents and fight against each other

【答案】 B
9、资料：From: Peter Manx [e-mail]
A.business relationship with ISB International
B.Assistance with an advertising campaign
C.Revisions of a company brochure
D.Technical support for Better Training staff

【答案】 A
10、—How about_in the river with us?
A.swim；don’t do
B.swim；to do
C.swimming；not do
D.swimming；not to do

【答案】 D
11、对于采取紧缩战略的组织，人力资源管理的关键活动是（　　）。
A.改变员工的晋升和发展机会。留住更多的现有人员
B.裁减工作绩效不佳的员工
C.合并新购并企业的人力资源管理体系
D.制定适当的规划保证及时雇用和培训新员工

【答案】 B
12、 企业会计核算必须符合国家的统一规定，这是为了满足（　　）要求。
A.一贯性原则
B.重要性原则
C.可比性原则
D.客观性原则

【答案】 C
13、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.货币供给增加
B.货币供给减少
C.货币需求增加
D.货币需求减少

【答案】 A
14、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
15、我国刑法在时间效力方面采用的原则是（ ）。
A.从旧兼从重
B.从旧兼从轻
C.从新兼从重
D.从新兼从轻

【答案】 B
16、近年来，我国取得了举世瞩目的成就。下列被称作中国的：“新四大发明”的是：（　　）。
A.蛟龙天眼墨子人工智能
B.天官支付宝网购共享单车
C.高铁网购移动支付共享单车
D.大飞机高铁悟空移动支付

【答案】 C
17、充满气的氢气球被松开后，会（　　）。
A.一直上升
B.升到一定高度保持静止
C.一直上升，最后爆炸
D.一直下降

【答案】 C
18、属于典型的负外部性例子的是（ ）。
A.汽车尾气
B.海上灯塔
C.企业对资源的配置
D.义务教育

【答案】 A
19、人民银行规定的贷记卡透支年利率是（　　）。
A.10%
B.15%
C.18%
D.20%

【答案】 C
20、下列关于网络带宽的说法错误的是（　　）。
A.在数字设备中.带宽有时候以bps表示
B.带宽容量只取决于上网电脑的运行速度
C.带宽指在固定的时间可传输的资料数量
D.高带宽允许更快速的数据传输

【答案】 B
21、资料：In a survey,people were asked to choose between treatments to save 600 people from dying a disease.
A.with a one-third probability that nobody will die
B.with a two-thirds probability that nobody will be saved
C.allowing 400 people to die
D.that 200 people will be saved

【答案】 A
22、4辆车运送货物，每辆车可运16次；7辆车运送，每辆车只能运10次。设增加的车辆数与运送减少的次数成正比，且每车次运送货物相等，运送货物总量最多是多少车次？（　　）
A.72
B.74
C.64
D.68

【答案】 A
23、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
24、资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
A.CD is automatically renewed for the same period unless having other instruction
B.CD isn’t automatically renewed for the same period at the ruling rate of interest on the date of renewal
C.CD is automatically renewed for the same period without any other instruction
D.CD is automatically renewed for the same period with permission of the bank manager

【答案】 C
25、2013年9月7日，（ ）击败西班牙马德里和土耳其伊斯坦布尔，最终成为2020年夏 季奥林匹克运动会的举办城市。
A.巴西里约热内卢
B.美届芝加哥
C.日本东京
D.阿根廷布宜诺斯艾利斯

【答案】 C
26、下列产品中，能够计入当年GDP的是（　　）。
A.中央政府对地方政府的转移支付
B.某人花100万美元在美国买的一栋新房
C.企业从国外购买的一台服务器
D.某企业当年生产没有卖掉的20万元产品

【答案】 D
27、 审查银行存款余额调节表时，对结账日后（　）个工作日内银行已收、企业未收的款项，应审查款项的性质及来源。
A.5
B.10
C.7
D.20

【答案】 B
28、The unpleasant memory of the despairing shriek of the princess at the trial（ ）in my mind for days．
A.prolonged
B.insisted
C.rested
D.lingered

【答案】 D
29、3月份，企业销售商品5万元，5月份收到款项。企业应该在何时确认收入？（　　）
A.3月
B.5月
C.3月到5月间均可
D.当年即可

【答案】 A
30、资料：Why is Salt Bad for You?
A.had a high blood pressure
B.ate too much
C.had a cold and a sore throat
D.was sensitive to salt

【答案】 C
31、The orphanage is just one of her（　　）causes.
A.phonetic
B.philanthropic
C.prevalent
D.lunatic

【答案】 B
32、下列哪种结算工具适用于异地先拿货款后发货的结算？()
A.银行汇票
B.商业汇票
C.银行本票
D.支票

【答案】 A
33、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
34、资料：Economic performance is improving in most of the world's leading economies but is still short of a self-sustaining upswing, the Organization for Economic Cooperation and Development said on Wednesday.
A.The Russia’s 2017 economic growth forecast has been revised higher
B.The leading economies have achieved sustainable long-term growth
C.The OECD is not optimistic about China's economic growth
D.India's economic growth forecast have been upgraded

【答案】 A
35、The government has to try every means to______the rate of inflation.
A.bring back
B.bring down
C.bring forth
D.bring about

【答案】 B
36、Dream is a story that a person watches or even takes part in during sleep.Dream events are imaginary,but they are related to real experiences and needs in the dreamer’s life.
A.deprives people of a good sleep
B.disturbs people's life
C.makes people always restless
D.is beneficial to people

【答案】 D
37、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.You may have to pay penalties
B.You will fail to realize your goals
C.Your retirement savings will become off-limits
D.You should save money for your retirement all over again

【答案】 B
38、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.becomes irritable and sleepless
B.doesn’t want to go shopping anymore
C.begins to favor drinks of a new brand
D.hates socializing with others

【答案】 A
39、 银行存款日记账与银行对账单之间的核对属于（　　）。
A.账账核对
B.账证核对
C.账实核对
D.余额核对

【答案】 C
40、太阳系是大约（ ）亿年前，由星云在引力作用下逐渐收缩而形成的。
A.100
B.80
C.50
D.30

【答案】 C
41、下面的数字中表现出一定的逻辑，170，120，82，48，（　　），你认为应该填入数列最合适的数字是？（　　）
A.38
B.36
C.28
D.26

【答案】 D
42、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.Hiring a local agent or 3PQ is most convenient
B.Agents charge high prices
C.One should inspect the factories personally
D.Visiting a factory requires applications

【答案】 A
43、资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer.
A.Together with Primary Chequing,you can own 20 accounts
B.If you make 32 transaction,a fee of $1.4 will be charged
C.You will be able to save up to $240.5 a month on fees
D.You can sell U.S.cash（up to $5,000 U.S.per transaction）at preferred exchange rate

【答案】 C
44、中国进出口银行的主要任务不包括（ ）。
A.筹集和引导境内外资金
B.执行国家产业政策和外贸政策
C.为扩大我国机电产品和成套设备等资本性货物出口提供政策性金融支持
D.促进对外贸易的稳定发展

【答案】 A
45、下列关于公司债券的说法中，错误的项是（　　）。
A.公司债券募集办法中应当载明公司净资产额
B.它是一种有价证券
C.有记名债券也有无记名债券
D.公司均以电子券方式发行公司债券

【答案】 D
46、下列抽样方法中，属于非概率抽样的是（　　）。
A.分层抽样
B.整群抽样
C.判断抽样
D.等距抽样

【答案】 C
47、资料：Keeping the Zeal of a Startup as You Scale
A.Because they often get more supports from the customers
B.Because they often damage the market order
C.Because they often challenge the old companies in many ways
D.Because they often make more momey than old companies

【答案】 C
48、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.the government
B.both the employer and the government
C.the employer
D.the employer, the government and the media

【答案】 B
49、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
50、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
51、下列不属于银行认可的个人汽车贷款担保措施的是（　　）。
A.信用担保
B.质押
C.第三方保证
D.房地产抵押

【答案】 A
52、甲股票的每股税后盈利为1元，市盈率水平为15,估算该股票的发行价格为（）元。
A.13
B.15
C.20
D.25

【答案】 B
53、宋朝著名的女词人在她的作品《醉花阴》中写道“东篱把酒黄昏后，有暗香盈袖，莫道不消魂，帘卷西风，人比黄花瘦。”请问这个女词人是（　　）。
A.朱淑真
B.李清照
C.卓文君
D.花蕊夫人

【答案】 B
54、某代表队参加文艺会演的共46人，其中女生人数的4/5是男生人数的1/2，那么参加演出的女生人数为多少人？
A.30
B.33
C.36
D.38

【答案】 A
55、我国从哪一年开始开展“金卡工程”？（ )
A.1990年
B.1991年
C.1992年
D.1993年

【答案】 D
56、It is difficult to know why a work of art produces some emotions，but it has been known for a very long time that paintings，music and poetry have the power to touch us，to repel us and to______intense pleasure or displeasure.
A.rise
B.arise
C.raise
D.arouse

【答案】 D
57、初唐四杰指的是（ ）。
A.王绩、王勃、杨炯、卢照邻
B.沈佺期、宋之问、王勃、骆宾王
C.王勃、杜审言、陈子昂、杨炯
D.王勃、杨炯、卢照邻、骆宾王

【答案】 D
58、In her newly-published book Judy indicates that women have been politically dis-empowered （ ）human history.
A.across
B.throughout
C.over
D.within

【答案】 B
59、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.heavy industry
B.governmental headquarters
C.gold mining
D.trade and tourism

【答案】 D
60、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor.
A.A modern farm and a factory are similar in some aspects
B.Farm machines are expensive
C.Farmers are unwilling to replace their worn-out machinery
D.Farmers have to borrow a lot of money for the equipment they need

【答案】 C
61、资料：Now you are preparing a report for the business negotiation which will be held next Friday.
A.A
B.B
C.C
D.D

【答案】 D
62、外汇市场的双重交易结构是指（）。
A.发行交易与流通交易
B.直接交易与经纪交易
C.发行交易与经纪交易
D.个人交易与机构交易

【答案】 B
63、按借贷协议在一定时期可以变动的利率是（ ）。
A.固定利率
B.浮动利率
C.一般利率
D.优惠利率

【答案】 B
64、某医院医生甲为患者乙做手术时将一块纱布遗留在乙腹腔，乙因此所受的损害应有（　　）。
A.医院承担全部赔偿责任
B.甲承担全部赔偿责任
C.医院和甲承担连带赔偿责任
D.甲承担赔偿责任，医院承担补充责任

【答案】 A
65、现行的《中华人民共和国商业银行法》的执行日期是（ ）。
A.1995年7月1日
B.1995年12月10日
C.1998年7月1日
D.2000年12月10日

【答案】 A
66、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market. Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.
A.QQ’s strong user base
B.the lack of competitors
C.local market opportunity and innovation
D.all of the above

【答案】 C
67、资料：In a survey,people were asked to choose between treatments to save 600 people from dying a disease.
A.with a one-third probability that nobody will die
B.with a two-thirds probability that nobody will be saved
C.allowing 400 people to die
D.that 200 people will be saved

【答案】 A
68、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.a business history book
B.a textbook about advertisement
C.a business report website
D.an introduction of a novel

【答案】 C
69、（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.新技术对于成年人来说并不需要
B.孩子的好奇心比成年人大
C.成年人总是会担心末知因素对下一代的影响
D.新技术大多都是针对下一代人而推出的

【答案】 D
70、资料：American Airlines CEO takes blame for maintenance errors, disrupted flights
A.American Airlines is trying to meet the FAA regulations
B.American Airlines is canceling 570 flights today
C.American Airlines is blaming its CEO Gerard Arpey