2025年银行招聘之银行招聘综合知识题库附答案（基础题）.docx

2025年银行招聘之银行招聘综合知识题库附答案（基础题）

单选题（共800题）
1、认为利率纯粹是一种货币现象，利率水平由货币供给与货币需求的均衡点决定的理论是（　　）。
A.马克思的利率决定理论
B.实际利率理论
C.可贷资金论
D.凯恩斯的利率决定理论

【答案】 D
2、在偿还赊销款项时货币执行的职能是（　　）。
A.价值尺度
B.流通手段
C.贮藏手段
D.支付手段

【答案】 D
3、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 l'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.How to manage your time well
B.How to overcome different challenges in the office
C.How to win competitions and get promotions
D.How to prevent distractions and focus on big issues

【答案】 A
4、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.generally distorted values
B.unfair wealth distribution
C.a marginalized lifestyle
D.a rigid moral code

【答案】 A
5、资料：Business,academic and civic leaders in Cambridge have warned that one of Britain’s major economic growth cities is under threat unless the government acts quickly to restore trust post-Brexit.
A.Because of the uncertainty
B.Because the economic slowdown after Britian leaving the EU
C.Because the increasing,difficulty of finding of finding a job in Britain
D.Because they may lose legal status after Brexit

【答案】 D
6、The more diverse knowledge one understands and actively absorbs, the probability of finding useful and _____discoveries.
A.novel
B.conventional
C.rebellious
D.narrative

【答案】 A
7、We all convinced that the project was（　　）.
A.fertile
B.inevitable
C.inherent
D.feasible

【答案】 D
8、阅读理解
A.a solid motionless object
B.certain characteristic vibrations in“ether”
C.a form fixed in space and time
D.a mass of atoms in motion

【答案】 D
9、-Must I wait till you come back
A.mustn't
B.needn't
C.can't
D.won't

【答案】 B
10、认为利率纯粹是一种货币现象，利率水平由货币供给与货币需求的均衡点决定的理论是（　　）。
A.马克思的利率决定理论
B.实际利率理论
C.可贷资金论
D.凯恩斯的利率决定理论

【答案】 D
11、She never forgave him for ___ he did her. Neither could he rid himself of the feeling of guilt for having treated her that way.
A.wronging
B.a wrong
C.wrong
D.the wrong

【答案】 D
12、张先生认识赵，钱、孙、李、周五位女士。
A.赵
B.钱
C.孙
D.李

【答案】 D
13、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.17%
B.56%
C.74%
D.18%

【答案】 C
14、假定当前汇率1美元兑换人民币6元，1欧元兑换人民币8元，那么1欧元兑换美元的汇率是（　　）。
A.1.33
B.0.75
C.1.16
D.1.13

【答案】 A
15、According to economic theory,a nation should produce and export those items （ ） it gains a competitive advantage.
A.from which
B.for that
C.by what
D.about it

【答案】 A
16、Fuel scarcities and price increases（ ）automobile designers to scale down the largest models and to develop completely new lines of small cars and trucks.
A.persuaded
B.prompted
C.imposed
D.enlightened

【答案】 B
17、在20世纪80年代，邓小平提出了对马克思主义进行再认识的两个基本问题，他说：“什么叫社会主义?什么叫马克思主义?我们过去对这个问题的认识不是完全清醒的。”这种不清醒的突出表现是（　　）。
A.不重视发展生产力
B.不重视改革开放
C.忽视了改善人民生活
D.忽视了中国国情

【答案】 D
18、 （　　）可以为企业筹集自有资金。
A.内部积累
B.融资租赁
C.发行债券
D.向银行借款

【答案】 A
19、资料：International Federation for Scientific Research
A.To invite a researcher to speak at a convention
B.To recommend an academic article
C.To encourage a member to attend a conference
D.To ask a scientist to post research data to a Web site

【答案】 C
20、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.17%
B.56%
C.74%
D.18%

【答案】 C
21、填入括号中最恰当的词语是（　　）。
A.控制制定
B.控制制订
C.抑制制订
D.抑制制定

【答案】 A
22、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
23、南京大屠杀发生于（　　）。
A.1935年12月13日
B.1937年12月13日
C.1936年12月13 日
D.1938年12月13 日

【答案】 B
24、价格变动影响对总收益的影响取决于（　　）。
A.需求收入弹性
B.供给数量弹性
C.供给价格弹性
D.需求价格弹性

【答案】 D
25、资料：Happy wood sprites knows the way to Fenghuang city.
A.Dances
B.Poetry
C.Paintings
D.Music

【答案】 D
26、证券发行是指证券发行人以筹集资金为目的，在证券发行市场依法向投资者以同一条件出售证券的行为。证券发行分为公开发行和非公开发行。如果某机构发行者将证券面向少数特定的投资者发行的方式称为（　　）。
A.机构发行
B.有限发行
C.私募发行
D.公募发行

【答案】 C
27、( )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
28、Passage 2
A.Global temperatures affect the rate of economic development
B.Rates of death from illnesses have risen due to global warming
C.Malnutrition has caused serious health problems in poor countries
D.onomic trends have to do with population and natural disasters

【答案】 B
29、The seaside draws a lot of attention here every summer.Warm sunshine and soft sands make（　　）it is.
A.what
B.which
C.how
D.where

【答案】 A
30、 （　）是企业流动性最强的资产。
A.货币资金
B.固定资产
C.股票
D.无形资产

【答案】 A
31、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
32、We explicitly make allowance for the fact that production
A.confines
B.conforms
C.ceases
D.continues

【答案】 C
33、某企业从外地购进甲种材料，买价3200元，外地用杂费120元，那么该材料实际成本是（　　）。
A.3320
B.3200
C.120
D.3080

【答案】 A
34、填入括号中最恰当的词语是（　　）。
A.反思干预
B.反省干预
C.反思干涉
D.反省干涉

【答案】 B
35、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.of
B.to
C.for
D.In

【答案】 B
36、Many species are in peril of extinction because of our destruction of their natural ____.
A.habitat
B.favor
C.hoop
D.circle

【答案】 A
37、下列选项中，不合法的十六进制数是（　　）。
A.H1023
B.10111
C.A120
D.777

【答案】 A
38、资料：Rahul Chadha, co-chief investment officer for Hong Kong-based Mirae Asset Global Investments, has a few charts he is particularly fond of when it comes to telling a story about investing in China.
A.We should resist the trend of automation
B.The growth of the economy and technology brings prosperity
C.Technology is double-edged since some jobs will be eliminated
D.The development of technology is devastating

【答案】 C
39、___ the well-bred people knows how to confess a fault, or acknowledge himself in an error.
A.None but
B.None other than
C.Nothing but
D.No other than

【答案】 A
40、Her collection of paintings was ______ to the National Gallery when she died.
A.inherited
B.bequeathed
C.beneath
D.bewildered

【答案】 B
41、下列数据整理和显示方法中，取值不可能大于1的是（　　）。
A.比例
B.比率
C.频数
D.累积频数

【答案】 A
42、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
43、Just because I’m（ ）to him,my boss thinks he can order me around without showing me any respect.
A.redundant
B.versatile
C.trivial
D.subordinate

【答案】 D
44、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.Because the economy as a whole is growing nowadays
B.Because job opportunities in HR grow faster than the average
C.Because transferred or retired workers need to be replaced in time
D.Because companies begin to recruit HR functions from the outside

【答案】 A
45、2011年4月14日，（ ）加入金砖国家以来，该国总统首次以“金砖国家”成员国的身 份参加金砖国家集团第三次首脑会议。
A.南非
B.印度
C.俄罗斯
D.巴西

【答案】 A
46、角楼位于故官城墙的转角，共有4座。史料及考古资料表明，我国多个朝代的宫城城墙上均建有角楼。如先秦古籍《考工记》的“匠人营国”部分就规定了城墙角楼的高度为“七雉"（约16.7米）；东周时期军事家墨翟所著《墨子》，其中的《备城门》《备蛾傅》等部分都记载了在城墙的拐角处修建防护建筑、其样式必定是重楼形式的军事防御规定。
A.说明故宫角楼的来历
B.说明角楼并非是古代宫城所必须的建筑
C.介绍故宫角楼的功能
D.介绍角楼源于军事防御的需要而兴建

【答案】 D
47、当国内投资增加时，一般将（ ）。
A.增加向其他国家的进口
B.增加出口而进口保持不变
C.改善外贸情况
D.使进口、出口都增加，但进口的增加少于出口的增加

【答案】 A
48、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
49、资料： The poverty line is the minimum income that people need for an acceptable standard of living. People with incomes below the poverty line are considered poor. Economists study the causes of poverty in order to find solutions to the problem.
A.some people are too young to work in many industries
B.some people are satisfied with the government welfare
C.some people don’t have motion to work
D.some people are not qualified to work

【答案】 B
50、“Tommy,run!Be quick!The house is on fire!”the mother shouted,with（　　）clearly in her voice.
A.anger
B.rudeness
C.Regret
D.panic

【答案】 D
51、（　　）is no reason for discharging her.
A.cause she was a few minutes late
B.Owing to a few minutes being late
C.The fact that she was a few minutes late
D.Being a few minutes late

【答案】 C
52、根据国际货币基金组织的划分，比传统盯住安排弹性还小的汇率安排是（　　）。
A.水平区间内盯住
B.爬行盯住
C.货币局制
D.爬行区间盯住

【答案】 C
53、There are several____between our new photocopier and our old one: these include an advanced colour facility and a multitask option.
A.similar
B.similarly
C.similar to
D.similarities

【答案】 D
54、资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
A.The project will only improve road in Tajikistan by three miles but it will do great help
B.Local people welcome the projects
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions
D.The project in Bangladesh is also financed with other institutions

【答案】 D
55、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
56、根据期望理论。能够影响动机因素的是（　　）。
A.情境
B.能力
C.工具
D.人际关系

【答案】 C
57、Next Monday is Tina’s anniversary of the entry to Apple Inc. She ____by the company for 15 whole years by then.
A.will have been employed
B.will have employed
C.has been employed
D.will employed

【答案】 A
58、While the preliminary research is favorable, it may take years for Bogor Pharmacouticals to develop ____ evidence of the drug’s effectiveness.
A.conclusion
B.conclude
C.conclusive
D.concludes

【答案】 C
59、根据我国《公司法》的规定，有限责任公司成立的日期为（　　）。
A.公司登记机关受理登记申请之日
B.申请人收到营业执照之日
C.公司成立公告发布之日
D.营业执照签发之日

【答案】 D
60、某公司一台机器使用期满决定报废。该机器原价500000元，己计折旧470000元，已计提减值准备15000元，在清理过程中支付清理费2000元，残料变卖收入20000元，不考虑相关税费，该机器的清理净收益是（　　）。
A.18000
B.3000
C.5000
D.10000

【答案】 B
61、Passage 2
A.Customers are forced to share their bank data
B.Banks are required to open up their entire operational system
C.Regulators should be both tough and flexible
D.Banks and third parties should be regulated with a light touch

【答案】 C
62、 江某在某超市购买了一台电动榨汁机，l个月后出现故障，要求超市处理。但超市“购物须知”规定：“在本超市购物有质量问题请及时解决，自购物之日起超过15日的概不退换。”超市以此为由，拒绝受理，要求江某与生产厂家联系处理。对本纠纷的处理，下列观点错误的是（　　）。
A.超市的规定是“霸王条款”，损害消费者权益，应当无效
B.超市的规定是要约，消费者的购买是承诺，双方形成合同关系，所以规定有效
C.超市的规定是格式条款，但免除了自己的责任，所以无效
D.超市的规定与产品质量法的规定相抵触.所以无效

【答案】 B
63、通常情况下，一国的利率水平提高，会导致（ ）。
A.本币汇率上升，外币汇率上升
B.本币汇率上升，外币汇率下降
C.本币汇率下降，外币汇率上升
D.本币汇率下降，外币汇率下降

【答案】 B
64、Do you know where____now?
A.he lives
B.does he live
C.he lived
D.did he live

【答案】 A
65、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
66、能量守恒与转化定律又称为热力学第（）定律。
A.—
B.二
C.三
D.四

【答案】 A
67、She got her degree successfully as her university _____was on Marina Tsvetaeva, a poet then in deep official disfavor.
A.conclusion
B.hypothesis
C.dissertation
D.paradox

【答案】 C
68、This year, the figures are 27 percent and 53 percent ______.
A.respectively
B.respectly
C.respecting
D.respect

【答案】 A
69、资料：最后，大家谈论了中国在绿色经济方面做出的杰出贡献，请根据下列资料回答问题。
A.One with much wealth
B.One with high professional level
C.One with high social status
D.One with high reputation in academia

【答案】 B
70、I had just posted the letter when I remembered that hadn’t（ ）the cheque。
A.imposed
B.enclosed
C.involved
D.contained

【答案】 B
71、在公告的总体结构中，可以缺少的一部分是（　　）。
A.标题
B.正文
C.主送单位
D.成文时间

【答案】 C
72、Responsible parents should show____love to their children and make them grow healthily.
A.unrestricted
B.unreserved
C.unconditional
D.unlimited

【答案】 B
73、资料：Some companies are more creative in their use of history than others. HSBC’s History Wall, a striking art installation at the bank’s London headquarters, is made up of 3,743 images drawn from the bank’s archives and arranged in chronological order.
A.He is the sole author of “Authenticity”
B.He encourages firms to look for typical events from archives
C.He loves the cobalt-blue glassed of Ritz-Carlton hotel very much
D.He also believes that younger firms can use history as well

【答案】 B
74、假设银行系统:(1)原始存款为900万元；(2)法定存款准备金率6%;(3)为现金漏损率为15%;(4)超额准备率为3%。此时银行系统的派生存款总额为()万元。
A.3750
B.4286
C.5000
D.10000

【答案】 A
75、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.become