2022-2025年银行招聘之银行招聘综合知识能力测试试卷A卷附答案.docx

2022-2025年银行招聘之银行招聘综合知识能力测试试卷A卷附答案

单选题（共800题）
1、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.To share with readers the author’s unbearable life caused by cyberbullying
B.To accuse the whole society of its public humiliation which has become a culture
C.To draw people's attention to tragedies of victims due to cyberbullying
D.To complain to readers that social media has made a large amount of money out of

【答案】 C
2、在凯恩斯的几个持币动机理论中，他认为下列哪项（　　）对利率最为敏感。
A.投机动机
B.预防动机
C.交易动机
D.无私动机

【答案】 A
3、资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
A.National Banks in the USA refers to “State Banks”
B.The group banking system usually exists in the states where branch banking is prohibited
C.Stateside branching implies that bank branches are allowed to operate anywhere within the state
D.Limited branching allows bank to operate branches within geographic territories authorized by the state law

【答案】 A
4、Passage 8
A.the widows were pressured to lose their own names
B.the widows may be forced to leave their homes
C.the widows have misunderstood the reverse mortgage
D.the widows do not know what their long-desired things are

【答案】 B
5、在Internet中，常用的电子邮件缩写是（　　）。
A.FTP
B.WWW
C.BBS
D.E—mai1

【答案】 D
6、证券市场监管的基本任务和规范市场的基本目的是( )。
A.增加市场流动性
B.提高投资者回报率
C.保证市场交易的活跃性
D.保护投资者利益

【答案】 D
7、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.asked him for money to pay the rent
B.gave him some money to do business
C.advise him to pay more attention to his studies
D.suggested that he work hard to get something

【答案】 D
8、We have data mining and loading tools for both maintenance task data and component data, which means a considerable ___ in implementation time.
A.stop
B.saving
C.consumption
D.economy

【答案】 B
9、新中国成立以后，我国政府制定了“两弹一星”的战略决策，这一战略目标的实现是在（　　）。
A.20世纪50一60年代
B.大跃进时期
C.20世纪60-70年代
D.“文革”时期

【答案】 C
10、 各种账务处理程序之间的主要区别在于（　　）。
A.账务处理程序的种类不同
B.总账的格式不同
C.登记总账的依据和方法不同
D.根据总账编制会计报表的方法不同

【答案】 C
11、Passage 9
A.read a text slowly
B.read without thinking hard
C.interpret a text in their own way
D.concentrate on the meaning of words only

【答案】 D
12、资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, you'd think that demand for Rome must be higher or supply lower.
A.$752 for a one-way, economy ticket
B.$1,655 for a round-trip, economy ticket
C.$827 for a one-way, economy ticket
D.$903 for a round-trip, economy ticket

【答案】 D
13、张先生回国后要将手中多余2万美元换回人民币，现有两家银行USD/CNY报价分别为：A银行6.1500-6.2200，B银行6.1600-6.2150，他最多可以换到多少人民币（　　）。
A.12.30万元
B.12.32万元
C.12.43万元
D.12.44万元

【答案】 B
14、资料：American Airlines CEO takes blame for maintenance errors, disrupted flights
A.it has not done any inspections before
B.its airplanes are far too old to fly any more
C.it has not met the FAA maintenance standard
D.the fatality rate has doubled in the last 15 years

【答案】 B
15、下列关于宪法原则的说法哪个是正确的？（ ）
A.社会主义国家的宪法和资本主义国家的宪法都遵循国家主权、基本人权、法治和权力制 约原则，并且内容相同
B.社会主义国家的宪法和资本主义国家的宪法所遵循的基本人权原则在内容上是一致的
C.社会主义国家的宪法并未确立基本人权的原则
D.社会主义国家的宪法中权力制约主要表现为监督原则，而资本主义国家的宪法中权力制约主要表现为分权原则

【答案】 D
16、中国人民银行发布的2019年第三季度中国货币政策执行报告称，当前，中国仍实施常态货币政策。央行通过创新和完善宏观调控，运用多种货币政策工具，保持流动性合理充裕；加大货币政策逆周期调节力度，通过改善货币政策传导机制，落实金融对实体经济的支持。
A.票据贴现市场
B.国库券市场
C.长期借贷市场
D.可转让大额存单市场

【答案】 C
17、 The office will be closed____it is being decorated.
A.throughout
B.for
C.while
D.during

【答案】 C
18、科斯定理通常受到（　　）的影响，使私人间无法达成协议。
A.管制
B.需求
C.价格
D.交易成本

【答案】 D
19、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.Confidence
B.Ability
C.Diligence
D.Willpowe

【答案】 D
20、《商业银行法》规定了商业银行的经营原则，即商业银行以安全性、流动性、效益型为经营原则以及实行“四自”，其中“四自”中不包括（　　）。
A.自主经营
B.自我监督
C.自负盈亏
D.自我约束

【答案】 B
21、 下列各项中，导致负债总额变化的是（　　）。
A.赊销商品
B.赊购商品
C.开出银行汇票
D.用盈余公积转增资本

【答案】 B
22、甲公司2019年12月1日购入生产设备一台，入账价格为200000元，采用年数总和法摊销，预计净残值5000元，预计使用年限5年。2020年12月31日，该生产设备的可收回金额为120000元，则2020年底，该设备的账面价值为（　　）。
A.120000
B.135000
C.150000
D.161000

【答案】 A
23、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
24、Fossil fuels are and will be still ______ for at least the next two-three decades at relatively low costs.
A.productive
B.convenient
C.renewable
D.available

【答案】 D
25、Passage 6
A.Doubtful
B.Approving
C.Welcoming
D.Optimistic

【答案】 A
26、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
27、The FIFA World Cup soccer championship in Russia is the most costly ever held。Now，experts question whether there will be a good______for the Russian taxpayer。
A.response
B.refund
C.return
D.report

【答案】 C
28、在1，2，3，……，2011中选数，若要保证选出的数字中任意两个数字的和都不能被3整除，最多可以选出（　　）个数。
A.3
B.671
C.672
D.673

【答案】 C
29、We’ll give every employee____for development.
A.room
B.house
C.employment
D.place

【答案】 A
30、对于价值较低或极易损坏的低值易耗品，应采用( ）进行摊销。
A.使用次数摊销法
B.分次摊销法
C.一次转销法
D.计划成本法

【答案】 C
31、转让票据权利的票据行为是（　　）。
A.出票
B.背书
C.承兑
D.提示

【答案】 B
32、某人是“80”后，今年他的年验不超过40，且年龄比出生年份各数字和还要大16，则他的出生年份不可能是（　　）。
A.1985
B.1980
C.1987
D.1982

【答案】 C
33、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
34、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.doubtful
B.indifferent
C.positive
D.pessimistic

【答案】 C
35、Group-thinking occurs when people are either isolated from crucial sources of information or______by other members of the group， some of whom may have bad intent.
A.occupied
B.presided
C.operated
D.dominated

【答案】 D
36、Recent decades have witnessed increased globalization of the world economy associated with economic and financial______among countries。
A.integration
B.corporation
C.harmony
D.conflict

【答案】 A
37、资料：Procrastination comes in many disguises. We might resolve to tackle a task, but find endless reasons to defer it. We might prioritize things we can readily tick off our to-do list- answering emails, say- while leaving the big, complex stuff untouched for another day. We can look and feel busy. while artfully avoiding the tanks that really matter. And when we look at those rolling, long untouched items at the bottom of our to-do list, we can't help but feel a little disappointed in ourselves.
A.Make the costs of action feel smaller
B.Make the reward larger than the immediate pain of doing it
C.Make the benefits of action feel bigger
D.All the above

【答案】 D
38、Attachments____to your Hotmail account can be downloaded to your personal computer by clicking.
A.sent
B.to send
C.are sent
D.sending

【答案】 A
39、资料：THOMAS WILSON
A.screening calls
B.managing calendars
C.photocopying documents
D.organizing offices for efficiency

【答案】 C
40、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
41、资料：（二）
A.Some lenders are unwilling to lend money to seniors
B.The borrowers cannot pay back the money as expected
C.Federal and state regulators are documenting the objection
D.Some lenders go bankrupt

【答案】 B
42、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.Not including Primary Chequing,you can own 17 accounts
B.You can make unlimited everyday banking transactions in branch,online,at an ATM of Bank of Monsell,or phone banking services
C.It offers preferred exchange rate when buying U.S.cash（up to $5,000 U.S.per transaction）
D.It is able to help save you up to $288.60 a year on fees

【答案】 C
43、—Guess,how much does it cost?
A.from
B.between
C.among
D.with

【答案】 B
44、（　　）out of the window,I saw a bus.
A.Have looked
B.Look
C.Being looked
D.Looking

【答案】 D
45、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
46、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.Activities did by HSBC are better than those of Coca -cola
B.New designs inspired by old products are not good
C.Young companies do better than old companies in using history
D.Consumers often trust old-aged companies more

【答案】 D
47、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.库存现金+商业银行在中央银行的存款
B.法定存款准备金率×库存现金
C.法定存款准备金率×存款总额
D.存款准备金-法定存款准备金

【答案】 C
48、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.admitted
B.accepted
C.received
D.announced

【答案】 A
49、Could I speak to（　　）is in charge of International Sales please?
A.who
B.what
C.whoever
D.whatever

【答案】 C
50、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.Serious unemployment
B.Wars
C.Foreign talents drain
D.Social instability

【答案】 C
51、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.doubtful
B.indifferent
C.positive
D.pessimistic

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

【答案】 B
53、They failed to pass the exam last time.I regretted（　　）.
A.to be not able to help
B.being unable to help
C.being able to helping
D.not be able to help

【答案】 B
54、材料二：2018年上半年，我国经常账户逆差1801亿元，资本和金融账户顺差4247亿元，其中，非储备性质的金融账户顺差7451亿元，储备资产增加3192亿元。
A.商品出口
B.资本流入
C.侨民汇款
D.对外捐赠

【答案】 D
55、个人贷款还款方式不包括（　　）。
A.等额本息还款法
B.差额等息还款法
C.等额本金还款法
D.按月还息、到期一次性还本还款法

【答案】 B
56、提出“复杂人”假设的是（　　）。
A.哈罗德·孔茨
B.亨利·法约尔
C.埃德加·沙因
D.弗雷德里克·泰勒

【答案】 C
57、2020年4月16日电，商务部会同中央网信办、工业和信息化部联合认定了首批12家国家数字（　　），这将有利于加快数字贸易发展和数字技术应用，培育贸易新业态新模式，实现服务贸易高质量发展。
A.贸易示范区
B.经济创新发展试验区
C.服务出口基地
D.经济产业区

【答案】 C
58、The smog is due（ ）invisible gases，mostly from automobile exhaust.
A.from
B.to
C.for
D.with

【答案】 B
59、在影响需求价格弹性的因素中，时间因素与商品需求价格弹性大小的关系是（　　）。
A.两者间的关系需要根据具体商品才能判定
B.时间越长，商品需求价格弹性越小
C.时间越短，商品需求价格弹性越小
D.两者间不存在任何关系

【答案】 A
60、资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, you'd think that demand for Rome must be higher or supply lower.
A.the relationship between cost and demand
B.peak seasons and prime attractions
C.the relationship between supply and demand
D.travel seasons and destinations

【答案】 C
61、反映商业银行一定时期内经营和投资等活动现金变化的报表是（　　）。
A.现金流量表
B.资产负债表
C.损益表
D.财务状况变动表

【答案】 A
62、资料：“I wouldn’t be here today if not for the generosity of strangers,” said Michael Moritz, while announcing a major donation to Oxford University. A former Time Magazine reporter, Mr. Moritz left journalism to become one of the most successful venture capitalists in Silicon Valley. Through Sequoia Capital, the firm he joined in 1986 and has led for many years, Mr. Moritz was an early investor in Google, Yahoo, PayPal and LinkedIn. His personal fortune is estimated at well over $1 billion. Oxford University announced last Wednesday that he and his wife, the novelist Harriet Heyman, donated ￡75 million, or $115 million, to fund a new scholarship program aimed at providing financial aid to students from low-income backgrounds. Behind the headlines about the size of the gift was a family story of immigration, education and a sense of obligation that transcended generations.
A.graduated from Oxford University with an MBA degree in 1986
B.wanted to do something to repay the help he had once received
C.showed his interest and talent in venture capitalism as a journalist
D.bought early stocks of Google, Yahoo, PayPal and LinkedIn

【答案】 B
63、（　　）股份相对固定，一般不向投资者增发新股或赎回旧股。
A.公司型基金
B.契约型基金
C.封闭型基金
D.开放型基金

【答案】 C
64、This does not mean I will take it______from the rich and give it to the poor.
A.up
B.on
C.in
D.away

【答案】 D
65、在下列固定资产中，不属于企业资产，不计折旧的是（　　）。
A.季节性停用的房屋
B.经营方式租入的固定资产
C.融资租入的设备
D.经营方式租出的设备

【答案】 B
66、2月6日，我国自主研发建造的全球首座十万吨级深水半潜式生产储油平台（　　）能源站，抵达海南陵水海域。
A.“天海一号”
B.“深海一号”
C.“深鲸一号”
D.“白鲨一号”

【答案】 B
67、2019年5月30日，作为牵头簿记管理人和联席主承销商，中国银行协助（　　）政府发行20亿元熊猫债券，期限3年，获得约63.3亿元认购，票面利率4.09%。其中，境内投资人占比51.5%，境外投资人占比48.5%。本期债券是（　　）政府首次发行以人民币计价的国债，也是首个欧元区国家进入中国大陆市场发行“熊猫债”。
A.西班牙
B.意大利
C.德国
D.葡萄牙

【答案】 D
68、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 B