2022-2025年银行招聘之银行招聘综合知识考前冲刺模拟试卷A卷含答案.docx

2022-2025年银行招聘之银行招聘综合知识考前冲刺模拟试卷A卷含答案

单选题（共800题）
1、汉代人关于《离骚》篇名的解释有（ ）。
A.离别的牢骚，离开忧愁
B.离别的忧愁，遭遇忧愁
C.离别的牢骚，遭遇忧愁
D.离别的忧愁，离开忧愁

【答案】 B
2、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.psychologist
B.behaviorist
C.writer
D.sociologist

【答案】 A
3、An in-depth understanding of this emerging phenomenon requires not just the consideration of quantitative studies, but the______of selected quantitative, qualitative and mixed-method study designs.
A.collect
B.pooling
C.pool
D.poll

【答案】 C
4、孔子思想的核心是（ ）。
A.仁
B.义
C.孝
D.信

【答案】 A
5、打开Word文档一般是指（ ）。
A.把文档的内容从内存中读出并显示出来
B.把文档的内容从磁盘调入内存并显示出来
C.为打开的文档开设一个新的空的文档窗口
D.显示并打印文档的内容

【答案】 B
6、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为2.5%。
A.Y X r
B.Y/r
C.r/Y
D.Y X (1 + r)

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

【答案】 B
8、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.Smartphone users are increasingly aware of the importance of anti-virus software
B.An increasing number of smartphone users have installed built-in remote lock-and-erase software
C.More smartphone users are protecting their devices with PINs and passwords than in previous years
D.All of above

【答案】 D
9、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.Users are increasing to form groups
B.It caused people to send money in random amounts
C.The gift-giving process became an exciting game
D.It changed the way Chinese people send each other gifts

【答案】 D
10、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
11、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
12、一般而言，物价水平年平均上涨率不超过2%~3%的是（ ）。
A.爬行通货膨胀
B.温和通货膨胀
C.恶性通货膨胀
D.奔腾式通货膨胀

【答案】 A
13、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.apology
B.advertisement
C.invitation
D.memo

【答案】 C
14、资料：The Oakview Cafe
A.It opens for dinner at 7p.m
B.It advertises in a local newspaper
C.It is located in the city's business district
D.It is a small restaurant

【答案】 A
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.psychologist
B.behaviorist
C.writer
D.sociologist

【答案】 A
16、 原始投资额不同特别是项目计算期不同的多方案比较决策，最适合采用的评价方法是（　　）。
A.获利指数法
B.内部收益率法
C.差额投资内部收益率法
D.年等额净回收额法

【答案】 D
17、中国人民银行早在2004年已经完全放开金融机构人民币贷款利率上限，商业银行可自主根据企业和具体业务风险状况进行定价，但是并不意味着金融借款利率不受任何限制。金融机构利率是指（　　）。
A.金融机构对银行和证券公司实行的各种利息率
B.金融机构对企业单位和个人实行的各种利息率
C.金融机构对金融监管部门实行的各种利息率
D.金融机构对中央银行实行的各种利息率

【答案】 C
18、填入括号中最恰当的词语是（　　）。
A.震撼延迟
B.振奋推迟
C.震撼推迟
D.振奋延迟

【答案】 B
19、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.How to find a good financial professional
B.The importance of retirement plans
C.The scary facts about retirement
D.How to make correct retirement plans

【答案】 D
20、I think I had at least a billion tests,including（　　）in which they cut out a piece of muscle from my leg and looked at it under a microscope.
A.that
B.the one
C.it
D.one

【答案】 D
21、A ____________of the subject's structure and its relationship to other subjects should be acquired before the literature is approached.
A.grip
B.grasp
C.grab
D.snatch

【答案】 B
22、 股票增值权模式的适用范围是（　　）。
A.现金流量比较充裕的非上市公司和上市公司
B.现金流量比较充裕且比较稳定的上市公司和现金流量比较充裕的非上市公司
C.业绩稳定型的上市公司及其集团公司、子公司
D.业绩稳定的上市公司及其集团公司

【答案】 B
23、我国的金融债券最主要的发行主体是（　　）。
A.商业银行
B.中国人民银行
C.政策性银行
D.证券公司

【答案】 D
24、组织是管理的基本职能之一,它是由（ ）三个基本要素构成。
A.目标、原则和结构
B.目标、部门和关系
C.目标、部门和效率
D.目标、部门和人员

【答案】 B
25、 不属于反映企业财务状况的会计要素是（　　）。
A.资产
B.收入
C.所有者权益
D.负债

【答案】 B
26、It was the training（　　）Sam had at school（　　）made him an excellent runner.
A.what;what
B.that;that
C.what;that
D.that;which

【答案】 B
27、 下列会计凭证中属于原始凭证的是（　　）。
A.收款凭证
B.付款凭证
C.转账凭证
D.收款收据

【答案】 D
28、软件是（ ）。
A.所有程序的统称
B.所有技术文档资料的统称
C.所有保存在软盘上的程序的统称
D.所有程序及相关文档资料的统称

【答案】 D
29、She told us that classification is a useful（　　）to the organization of all kinds of knowledge.
A.means
B.approach
C.mode
D.manner

【答案】 B
30、I think I had at least a billion tests,including（　　）in which they cut out a piece of muscle from my leg and looked at it under a microscope.
A.that
B.the one
C.it
D.one

【答案】 D
31、已知信息如下：
A.甲是销售员
B.戊是收银员
C.丙是销售员
D.丁是经理

【答案】 C
32、 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
33、债券本期收益率的计算公式是（ ）。
A.票面收益/市场价格
B.票面收益/债券面值
C.（出售价格－购买价格）/市场价格
D.（出售价格－购买价格）/债券面值

【答案】 A
34、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.
A.Immigration Rules
B.Straight line upwards in world economy
C.US presidential election
D.Weakening global economy

【答案】 B
35、隔日交割，即在成交后的第一个营业日内进行交割的是（　　）。
A.即期外汇交易
B.远期外汇交易
C.中期外汇交易
D.长期外汇交易

【答案】 A
36、说法不正确的是（ ）。
A.鲁迅是中国现代文学的奠基人
B.郭沫若的《女神》是现代文学史上第一篇白话文
C.田汉是中国现代戏剧的奠基人
D.巴金是现代家族小说的开拓者

【答案】 B
37、打开Word文档一般是指（ ）。
A.把文档的内容从内存中读出并显示出来
B.把文档的内容从磁盘调人内存并显示出来
C.为打开的文档开设一个新的空的文档窗口
D.显乐并打印文档的内容

【答案】 B
38、 ( )要求企业应当按照交易或者事项的经济实质进行会计确认、计量和报告，不仅仅以交易或者事项的法律形式为依据。
A.实质重于形式
B.可理解性
C.重要性
D.及时性

【答案】 A
39、 会计员收到支款凭证，审核无误后，将现金支票右下角的( )撕下，凭以向出纳部门领取款项。
A.出纳对号单
B.第一联编号
C.第三联编号
D.银行存款单号

【答案】 A
40、关于总需求曲线，以下表述错误的是（　　）。
A.总需求曲线反映的是产品市场和货币市场同时处于均衡时，价格水平和总需求量的关系
B.扩张性的财政政策使总需求曲线向右移动
C.扩张性的货币政策使总需求曲线向右移动
D.总需求曲线向右上方倾斜

【答案】 D
41、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
42、下面二十四节气中，不属于夏季（以立夏为开始，立秋为结束）的是（　　）
A.夏至
B.处暑
C.芒种
D.小满

【答案】 B
43、The local area network also connects to a wide area network that allow a message ______ across the country or to other countries.
A.is sent
B.to be sent
C.sending
D.send

【答案】 B
44、 向人民银行发行库提取现金时，现金提回后，管库员清点核对现金无误后，填制( )一式两联，一联留存，一联交出纳人员。
A.现金出库票
B.现金入库票
C.银行存款入库票
D.银行存款出库票

【答案】 B
45、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.It’s not difficult for China to achieve its target of creating 11 million jobs
B.there are enough vacancies for young people from the rural areas in India
C.the developed economies enjoys a better income growth
D.more Chinese will borrow to increase their spending power

【答案】 A
46、 银行按被投资单位净损益计算调整投资的账面价值和确认投资损益的基础是（　）。
A.账面价值
B.实际价值
C.取得被投资单位股权后发生的净损益
D.银行发生的净损益

【答案】 C
47、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.The bank has greater power than other banks
B.The bank contributes a lot to the development of London
C.The bank uses its history more creatively
D.The bank has a different business model than other firms

【答案】 C
48、当流通领域中存在两种本位币流通时，容易出现“格雷欣法则”现象，这种现象是指（　　）。
A.良币把劣币赶出流通领域
B.劣币把良币赶出流通领域
C.良币与劣币在流通领域平等流通
D.良币与劣币同时退出流通领域

【答案】 B
49、Although the great white shark has a fearsome ______，in a straight fight，it is outclassed by the killer whale.
A.reputation
B.imagination
C.aggression
D.acquisition

【答案】 A
50、按贷款风险分类法，借款人无需足额偿还贷款本息，即使执行担保，也肯定要造成较大损失的贷款应归为（　　）。
A.正常
B.关注
C.次级
D.可疑

【答案】 D
51、While food waste is a hot topic in the U.S.，it’s a particular______in low-income nations where food is sometimes a scarce resource to begin with。
A.increase
B.initiative
C.damage
D.challenge

【答案】 D
52、资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than did their parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.
A.men play in a family
B.women play in a family
C.parents play in bringing up their children
D.equality plays in a family

【答案】 A
53、During her junior year of high school,Diane Ray's teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply for a credit card.Then,she and her classmates played the"stock market game",investing the hypothetical earnings from their hypothetical jobs in the market in the disastrous fall of 2008."Our pretend investments crashed,"Ray says,still frightened."We got to know how it felt to lose money."
A.ways to teach students to earn money
B.how Diane Ray learns to value money
C.the push to teach personal finance in school
D.how students choose a proper financial class

【答案】 C
54、投资银行最本源、最基础的业务活动不包括（ ）。
A.证券发行与承销业务
B.证券经纪与交易
C.承销业务
D.风险投资

【答案】 D
55、资料：Your Company Logo and Contact Information
A.more information can be provided as needed
B.the survey has not been finished yet
C.the receiver is the writer's immediate boss
D.the enclosed report was solely made by the writer

【答案】 A
56、按组合键（　　）可选定整个Word文档。
A.AIt+P
B.Ctr1+A
C.AIt+F4
D.AIt+Esc

【答案】 B
57、The special deal offered by our supplier will last only for a（　　）time.
A.limited
B.minor
C.partial
D.lower

【答案】 A
58、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.Stop the Dakota Access permanently
B.Join the Paris climate agreement
C.Require federal agencies to take climate change into consideration when making decisions
D.Suspend the construction of Dakota Access

【答案】 A
59、It is requested that an applicant whose undergraduate work is done at another institution（ ）two copies of undergraduate transcripts and degrees directly to the dean of the graduate school.
A.must send
B.send
C.are to send
D.need send

【答案】 B
60、______workers are often rewarded with higher salaries and other benefits.
A.Conscience
B.Consciousness
C.Conscientious
D.Conscious

【答案】 C
61、下列贷款中至少归为次级类的是（　　）。
A.借款人利用合并、分立等形式恶意逃废银行债务，本金或者利息已经逾期
B.本金和利息虽尚未逾期，但借款人有利用兼并、重组、分立等形式恶意逃废银行债务的嫌疑
C.同一借款人对本行或其他银行的部分债务已经不良
D.本金或者利息逾期

【答案】 A
62、企业接受的现金捐赠，应计入（ ）。
A.营业外收入
B.盈余公积
C.资本公积
D.未分配利润

【答案】 A
63、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.allowed, without
B.banned, with
C.allowed, with
D.banned, without

【答案】 A
64、在1月18日凌晨结束的2021斯诺克大师赛决赛中，20岁的中国球员（　　）战胜英国名将约翰·希金斯夺冠，成为历史首位“00后”大师赛冠军。
A.颜丙涛
B.颜振涛
C.丁俊辉
D.王涛

【答案】 A
65、20世纪20年代后期，美国遭受了严重的经济危机。为了恢复美国经济，罗斯福总统颁布了被其称为“美国国会历来颁布的最重要和影响最深远的立法”，推动了经济的复苏。这项立法是（　　）。
A.《国家工业复兴法令》
B.《社会保障法案》
C.《农业调整法》
D.《紧急银行法令》

【答案】 A
66、“Well done,Cassandra.”Crook said.She blushed,but accepted the （ ）with good grace.
A.commence
B.compromise
C.compensate
D.compliment

【答案】 D
67、货币形式亦称“货币价值形式”它是固定地由充当一般等价物的特殊商品来表现其他所有商品价值的价值形式，它发展最原始的形式为（　　）。
A.实物货币
B.电子货币
C.金属货币
D.代用货币

【答案】 A
68、当前公司A信贷购入了2325元人民币的原材料于生产，在30天后支付了这笔应付账款，又过了30天后客户B以3000元的价钱买入这笔原材料，客户将于30天后支付这笔应收账款，则公司的现金周期为（　　）天。
A.75
B.90
C.60
D.30

【答案】 B
69、下列句子中语句排列最连贯的一项是（　　）。
A.（4）（5）（3）（1）（2）
B.（5）（4）（2）（1）（3）
C.（5）（3）（4）（1）（2）
D.（4）（1）（2）（3）（5）

【答案】 B
70、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
71、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.More efforts will be needed to ensure a sustained economic growth
B.Investment from the government contributes most to the world economy
C.The market is pessimistic on the world economy
D.The world economy is growing rapidly and steadily

【答案】 A
72、CPU处理数据的运作原理可以分为提取、解码、执行和（　　）四个阶段。
A.译码
B.编码
C.写回
D.控制

【答案】 C
73、商业银行的贷款，按照贷款保全方式可分为（ ）。
A.长期贷款和短期贷款
B.信用贷