2025年银行招聘之银行招聘综合知识题库与答案.docx

2025年银行招聘之银行招聘综合知识题库与答案

单选题（共600题）
1、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
2、Despite his Catholic background, Kennedy also became a strong advocate of_____rights and later, a supporter of same-sex marriage.
A.waste
B.removal
C.autonomy
D.abortion

【答案】 D
3、 依据法律规定不得向关系人发放（　　）。
A.抵押贷款
B.信用贷款
C.中期贷款
D.长期贷款

【答案】 B
4、宏观经济指标是体现经济情况的一种方式，下列指标中属于金融指标的是（　　）。
A.货币供应量
B.消费物价指数
C.国民生产总值
D.社会消费品零售总额

【答案】 A
5、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.person is required to keep the custody of asset as well as accounting records
B.person is required to order merchandise and supplies and to receive them as well
C.person is required to handle cash and another one to maintain accounting records
D.traveling salesperson is required to present reports showing the number of calls made on customers

【答案】 C
6、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 a safe instrument
B.Bank of India is safe
C.CD is insured
D.All of the above

【答案】 D
7、商业银行在加强内控中应建立对集团性大客户实行（ ）制度。
A.集团总部授信管理
B.统一授信管理
C.分级授信管理
D.分区域授信管理

【答案】 B
8、由某一银行集团成立股权公司，再由该公司控制或收购两家以上的若干银行而建立的一种银行制度，属于（　　）制度。
A.持股公司制
B.连锁银行制
C.代理银行制
D.总分行制

【答案】 A
9、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.modern technology has brought about a lot of trouble
B.modern technology has cost farmers a lot of money
C.farmers were put deeply in debt
D.modern technology has released farmers from heavy labor

【答案】 D
10、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.Creation of false memories
B.Memory deprivation
C.Crime being created
D.Different details shown

【答案】 A
11、 Some prizes are awarded to technology that, after later review, just doesn’t seem to ______ well.
A.turn down
B.turn up
C.turn out
D.turn in

【答案】 C
12、 在商业银行资产负债管理中，体现速度对称原理的平均流动率指标是指（　　）。
A.资产的平均到期日与负债的平均到期日之比
B.负债的平均到期日与资产的平均到期日之比
C.流动资产的平均到期日与流动负债的平均到期日之比
D.流动负债的平均到期日与流动资产的平均到期日之比

【答案】 A
13、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$4313 billion）, a 17.4 percent decrease from the same period in 2015.
A.Modify its business strategy
B.Launch more marketing campaigns
C.Expand its business to other areas
D.Continue developing its mobile business

【答案】 D
14、资料：Samsung’s Notebook 7 Spin is a stylish，versatile work machine with power to spare.The 2-in-1 notebook’s performance is impressive，and its versatile folding design is legitimately useful.Unfortunately，the system’s shallow keyboard and lackluster battery life curtail its productivity potential a bit.
A.In a magazine about electronic products
B.In Samsung’s stores
C.In a newspaper
D.In an advertisement

【答案】 A
15、 下列关于外汇科目的说法中，正确的是（　）。
A.“外汇买卖”科目本身属于资产性质
B.“外汇买卖”科目本身属于负债性质
C.“外汇买卖”科目是一个实体性质的科目
D.“外汇买卖”科目仅仅起本外币转账中平衡借贷关系的作用

【答案】 D
16、The chipmunk （金花鼠） builds its nest in either an underground burrow______.
A.in a hollow limb
B.or a hollow limb
C.builds in a hollow limb
D.by a hollow limb

【答案】 B
17、十进制数250转换成二进制整数是（　　）。
A.01101010
B.01101000
C.11111010
D.01100110

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

【答案】 B
19、Many English boys go to boarding school at the age of seven.They usually （ ）quickly and are very happy.
A.get along
B.carry on
C.bring up
D.settle down

【答案】 D
20、央行中期借贷便利（MLF）和央行逆回购性质上属于（　　）。
A.中央银行再贷款
B.常备借贷便利操作
C.利率政策
D.公开市场业务操作

【答案】 D
21、《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
22、一项研究表明，在人类进化的过程中，采用火制备熟的肉类食用是一大进步。高温杀灭了肉类中的部分有害细菌和病毒，而那些没有完全被杀死的细菌和病毒刺激了人类的免疫系统而不至于让其崩溃，从而促使人类的免疫系统得到进化。因此，人类才能比在野外生活的其他灵长类动物更好地抵御各类疾病。
A.人类生活在有公共卫生系统保护的社会中
B.有些人一生只吃素，患病的次数也很少
C.高温能够降低病毒或细菌的致病性
D.野外的灵长类动物更容易感染各种细菌或病毒引起的疾病

【答案】 C
23、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
24、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.an independent journalist or reporter who sells news to websites
B.a person with an unnaturally strong interest in unpleasant things
C.a latest news item that released exclusively on the internet
D.an online link that directs people to the most heated issue

【答案】 B
25、The suspicion that the servant is dishonest has proved（ ）true.
A.all too
B.too all
C.much too
D.too much

【答案】 A
26、每个组织都需要注意本组织优良文化的积累，把组织精神灌输到一代又一代，这体现了组织文化的哪个特征？（　　）
A.实践性
B.可塑性
C.传承性
D.独特性

【答案】 C
27、变化基本上与总体经济活动的转变同步的宏观经济指标是（ ）。
A.先行性指标
B.同步性指标
C.滞后性指标
D.趋同性指标

【答案】 B
28、 对于当期档案，会计师事务所应当自审计报告签发之日起，至少保存( )。
A.15年
B.10年
C.25年
D.永久

【答案】 B
29、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.分期付息到期还本债券
B.到期一次还本付息债券
C.分期还本到期一次付息债券
D.分期付息债券

【答案】 A
30、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
31、关于法定利率与市场利率关系的说法。错误的是（　　）。
A.法定利率对市场利率有重要的影响
B.市场利率随法定利率的变化而变化
C.市场利率与法定利率变化完全一致
D.市场利率是确定法定利率的重要依据

【答案】 C
32、The ______ to build up space stations on the Mars is, if we cannot say it is impossible, at least very hard to fulfill.
A.admiration
B.ambition
C.administration
D.orientation

【答案】 B
33、人民法院对非诉案件的审査标准是（ ）。
A.被申请执行的具体行政行为是否违法
B.被申请执行的具体行政行为是否明显违法
C.被申请执行的具体行政行为是否会损害被执行人的合法权益
D.被申请执行的具体行政行为是否明显违法且损害被执行人的合法权益

【答案】 D
34、下列原始凭证中属于外来原始凭证的是（　　）。
A.购货发票
B.入库单
C.提货单
D.领料单

【答案】 A
35、 下列各项业务，在进行会计处理时应计入管理费用的是（　　）。
A.支付离退休人员工资
B.销售用固定资产计提折旧
C.生产车间管理人员的工资
D.计提坏账准备

【答案】 A
36、公文区别于其他类别文章的主要之处是（　　）。
A.公文形成的主体是国家机关及其他社会组织
B.公文形成的条件是行使职权和实施管理
C.公文是具有法定效用与规范格式的文件
D.公文是办理公务的重要工具之一

【答案】 C
37、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.紧缩货币政策
B.消极货币政策
C.中性货币政策
D.宽松货币政策

【答案】 D
38、采用直接标价法条件下，汇率的上升意味着（ ）。
A.外国货币价值不变
B.外国货币贬值
C.本国货币价值不变
D.外国货币升值

【答案】 D
39、在单一客户授信限额管理中，商业银行对客户进行信用评级后，首要工作是确定客户的（　　）。
A.最低债务承受额
B.最高债务承受额
C.平均债务承受额
D.一般债务承受额

【答案】 B
40、 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
41、 我国商业银行会计信息披露新的发展趋势是　）。
A.已逐渐从会计报表披露为主转向其他财务会计报告披露的新的发展阶段
B.已逐渐从会计报表、会计报表附注及其他财务会计报告共同披露转向会计报表披露为主的新的发展阶段
C.已逐渐从会计报表披露为主转向会计报表附注披露的新的发展阶段
D.已逐渐从会计报表披露为主转向会计报表、会计报表附注及其他财务会计报告共同披露的新的发展阶段

【答案】 D
42、Passage 4
A.the lack of support from firms
B.the cultural differences
C.the effect of unemployment
D.the shortage of money

【答案】 D
43、对特定地区的经济发展进行倾向性经营的银行是（ ）。
A.国家开发银行
B.中国人民银行
C.城市商业银行
D.中国农业银行

【答案】 A
44、为了回避外汇风险，在筹借和偿还时分别应选择（ ）。
A.币值趋势上升的硬货币、币值趋势趋跌的软货币
B.币值趋跌的软货币、币值趋升的硬货币
C.币值趋升的软货币、币值趋跌的硬货币
D.币值趋跌的硬货币、币值趋升的软货币

【答案】 A
45、美国历史上首位华裔驻华大使是（ ）。
A.赵小兰
B.张之香
C.骆家辉
D.朱棣文

【答案】 C
46、刘强是某大型商场的总经理，近日通过调查发现：商场基层员工近期工作效率下滑、缺勤率上升、工作积极性下降，基层员工与客户的不和谐事件也呈上升趋势。员工普遍反映：工作枯燥乏味，没有挑战性与职业生涯规划，无法有效施展自己的才能；沟通机会少，没有有效的沟通平台；大龄未婚员工人数日渐上升，员工的这些情况反映出在高层次需要没有得到满足时，对低层次的需要就会显得更加渴望，这符合（　　）的观点。
A.奥尔德佛（ERG）理论
B.赫茨伯格双因素理论
C.马斯洛需求层次理论
D.麦克里兰三重需求理论

【答案】 A
47、Any equipment that does not arrive in perfect ____ may be returned to MQZ Electronics free of charge.
A.development
B.situation
C.problem
D.condition

【答案】 D
48、资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
A.teach people how to have credit accounts
B.suggest ways for people to keep good credit record
C.present a concern about people’s bad credit nowadays
D.explain the differences between no-credit and bad credit

【答案】 D
49、 Whenever I try to______up what innovation looks like, the same slideshow of images clicks across my mind.
A.come
B.figure
C.conjure
D.set

【答案】 C
50、 固定资产减少时记人( )科目核算。
A.“固定资产清理”
B.“营业外支出”
C.“其他业务支出”
D.“资本公积”

【答案】 A
51、Passage 1
A.It can accurately pinpoint a country's current economic problems
B.It can help to raise people's awareness of their economic well-being
C.It can diagnose the causes of a country's slowing pace of economic improvement
D.It can compare a country's economic conditions between different periods of time

【答案】 D
52、资料：You can not go forward by going backward. Take the current debate about trade and globalization, for instance, while the impulse to erect trade barriers is understandable given the pain experienced in recent years, it is not the way to create lasting growth and shared prosperity.
A.The participation in the trade globalization is not broad enough
B.Job losses are often under-estimated
C.Domestic firms are problematic with productivity
D.Globalization hinders growth of small and medium-size firms

【答案】 A
53、资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
A.The Federal reserve may raises interest rates in December （after the US election）to push towards the GDP growth around 2%
B.The Fed thinks that the current inflation rate in the Unites States remain below 1.6% to help increase the employment rate
C.After the vote to leave the EU all of these currencies mentioned have gained against the pound and such trend will continue on
D.There’s widespread acceptance in the United States that real interest rates are falling to around zero with the rising sluggish labour market and about 0.5% of productivity growth but various economic indicators will not appear miraculous accelerated phenomenon

【答案】 C
54、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
55、1938年，德国人（　　）在用中子轰击铀核时，首次发现了原子核的裂变现象，并放出薪的中子。
A.哈恩
B.查德威克
C.卢瑟福
D.麦克斯韦

【答案】 A
56、国务院办公厅日前印发（　　）。进一步落实全国中医药大会部署，遵循中医药发展规律，认真总结中医药防治新冠肺炎经验做法，破解存在的问题，更好发挥中医药特色和比较优势，推动中医药和西医药相互补充、协调发展。
A.《关于加快中医药产业发展的若干政策措施》
B.《关于加快中医药事业发展的若干政策措施》
C.《关于加快中医药特色发展的若干政策措施》
D.《关于加快中医药传承发展的若干政策措施》

【答案】 C
57、It is not rare in（　　）that people in（　　）fifties are going to the university for further education.
A.90s;the
B.the 90s;/
C.90s;their
D.the 90s;their

【答案】 D
58高通胀下的GDP增长将导致金融市场行情（ ）。
A.上升
B.下跌
C.不变
D.都有可能

【答案】 B
59、社会主义初级阶段基本路线的核心是（ ）。
A.以经济建设为中心
B.改革开放
C.四项基本原则
D.精神文明建设

【答案】 A
60、Let's face it.Gardening fanatics like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize that fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.
A.To promote gardening in the city
B.To create jobs in the city
C.To bring the community closer together
D.To spruce up the look of the city

【答案】 D
61、新文化运动兴起的标志是（)。
A.李大钊发表《庶民的胜利》
B.“兼容并包”方针的提出
C.陈独秀在上海创办《新青年》
D.鲁迅发表《狂人日记》

【答案】 C
62、资料：The hop flower has been used in beer-making at least since the eighth century. Traditionally it was a preservative, but it also imparts flavor. To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs say rivals that of wine grapes. Starting in the nineteen-seventies, small brewers on the West Coast began dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.
A.Increase the amount of hop flower added
B.Find different varieties of hop flower and produce new flavors
C.Join Hopsteiner and other big hops companies
D.Change their labels frequently

【答案】 B
63、—I think English is_math.
A.much important than
B.so important as
C.as important as
D.as more important as

【答案】 C
64、 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