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

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600题）
1、 某企业生产一种产品，2009年3月1 日期初在产品成本为7万元：3月份发生如下费用：生产领用材料12万元，生产工人工资4万元，制造费用2万元，管理费用3万元，广告费用1．6万元；月末在产品成本为6万元。该企业3月份完工产品的生产成本为（　　）万元。
A.16.6
B.18
C.19
D.23.6

【答案】 C
2、资料：Our goal with the new MacBook was to do the impossible: engineer a full-size experience into the lightest and most compact Mac notebook ever. That meant reimagining every element to make it not only lighter and thinner but also better. The result is more than just a new notebook. It’s the future of the notebook. And now, with sixth-generation Intel processors, improved graphics performance, faster flash storage, and up to 10 hours of battery life. MacBook is even more capable.
A.A notice
B.An advertisement
C.A proposal
D.A memo

【答案】 B
3、下列筹资方式中属于混合筹资方式的是（　　）。
A.认股权证筹资
B.发行可转换债券
C.吸收直接投资
D.融资租赁

【答案】 B
4、以下关于“企业文化”的说法，错误的是（　　）。
A.企业文化的核心是企业的精神文明建设

B.企业文化是一个组织由其价值观、符号、处事方式等组成的文化形象
C.企业文化的管理方式是以柔性管理为主
D.企业文化的重要任务是增强企业的凝聚力

【答案】 A
5、在单位协定存款业务中，对超过基本存款额度的存款按（ ）计付利息。
A.活期存款利率
B.定期存款利率
C.中囯人民银行规定的上浮利率
D.协定存款利率

【答案】 C
6、资料：What，if anything，do we gain by clinging to our antioxidant supplements？
A.to correct the misunderstanding of antioxidant supplement
B.to encourage readers to taken more vitamine
C.to encourage readers to do more physical exercise
D.to inform athletes of the benefits of trauma

【答案】 A
7、 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
8、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a United Nations report published on Thursday.
A.blocking
B.undergoing
C.supporting
D.stressing

【答案】 C
9、中国银行的核心价值观是（　　）。
A.担当、诚信、专业、创新、平稳、高效
B.文明、和谐自由、平等
C.担当、诚信、专业、创新、稳健、绩效
D.爱国、敬业、诚信、友善

【答案】 C
10、根据《公司法》的规定，有限责任公司首次股东大会会议由（　　）召集和主持。
A.出资最多的股东
B.全体股东一致认可的股东
C.公司董事会
D.公司监事会

【答案】 A
11、 根据存款主体的不同，存款可以分为（　　）。
A.单位存款
B.人民币存款
C.定期存款
D.活期存款

【答案】 A
12、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
13、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.The memory distortion
B.The amount of sleep
C.The short-term memory
D.The ability to recall long list

【答案】 B
14、下列哪项不属于20世纪的四大发明？（　　）
A.计算机
B.原子能
C.打印机
D.半导体

【答案】 C
15、Artists at the Zadone Gallery are able to create reproductions of famous paintings that are ____ authentic looking
A.remark
B.remarkableness
C.remarkable
D.remarkably

【答案】 D
16、Passage 1
A.giving examples
B.By providing data.BBy raising questions
C.By making comparisons

【答案】 A
17、Passage 1
A.0.5%
B.0.9%
C.3.5%
D.3.1%

【答案】 A
18、中国的文字发展历史源远流长，下列关于字体描述，说法错误的是（　　）。
A.在秦始皇统一中国后推行的统一文字为小篆
B.小篆的创制是中国第一次系统的将文字书体标准化的过程
C.李斯的《泰山刻石》是小篆刻石的代表
D.张芝是东汉著名书法家，最擅长小篆

【答案】 D
19、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
20、银行内部管理人员根据银行所承担的风险计算的，银行需要保有的最低资本量称为（　　）。
A.实收资本
B.核心资本
C.监管资本
D.经济资本

【答案】 D
21、Passage 5
A.To make a transition to a new topic
B.To work as a hook to the following paragraphs
C.To provide a contrast to the preceding paragraphs
D.To offer supporting evidence to the preceding paragraph

【答案】 D
22、Passage 6
A.quieter
B.cheaper
C.wider
D.faster

【答案】 D
23、下列通常被视为无风险利率的是（ ）。
A.企业债券利率
B.国债利率
C.投资基金收益率
D.回购利率

【答案】 B
24、While they mainly have ______Japanese tourists previously，luxury stores in Paris now employ Mandarin-speaking assistants for custormers from China.
A.amounted to
B.referrde to
C.adhered to
D.catered to

【答案】 D
25、There is no reason they should limit how much vitamin you take,____they can limit how much water you drink.
A.no less than
B.not any more than
C.no more than
D.much more or less

【答案】 B
26、资料：Seeking to end a stalemate in negotiations over her country’s withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the country’s exit.
A.Britain has agreed to discuss the conditions of the exit before discussing the future trade ties
B.Theresa May has mapped out the blue print of the relations between Britain and EU
C.EU might not be satisfied with May’s Speech
D.Britain is fully prepared to withdraw from EU in an orderly way

【答案】 C
27、资料：Talk about Christmas in July. Carrie Rocha has already started her holiday shopping. “A few weeks back I picked up a $60 toy for $4, and, truth be told, I picked up a whole lot more than that,” she wrote in an email. “I spent about $80 total and got $350+ in toys.”
A.Because the toys were on sale in most stores
B.Because she was preparing the gifts for Christmas
C.Because the holiday season is coming
D.Because she loves to give out toys as gifts

【答案】 A
28、Susan made（　　）clear to me that she wished to make a new life for herself.
A.That
B.this
C.it
D.her

【答案】 C
29、中华民国成立，清王朝统治覆灭是在（ ）。
A.1911 年 12 月
B.1912 年元旦
C.1912 年 2 月
D.1912 年 3 月

【答案】 B
30、Passage 1
A.It is much better than that of their European counterparts
B.It has been on the decline ever since the turn of the century
C.It has not improved as much as reported by the Census Bureau
D.It has not been accurately assessed and reported since mid-2000s

【答案】 C
31、Paper straws might be a hard sell for boba tea shops，but the sudden demand for them is only increasing as plastic straw bans
A.multiply
B.occupy
C.divide
D.apply

【答案】 A
32、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.arrange them neatly
B.present clearly
C.design correctly
D.suggest properly

【答案】 B
33、Italy calls an emergency meeting to save the ancient city of Pompeii（　　）falling down.
A.on
B.off
C.from
D.against

【答案】 C
34、微型计算机中，ROM的中文含义是（ ）。
A.随机存储器
B.只读存储器
C.高速缓冲存储器
D.可编程只读存储器

【答案】 B

35、民法调整（ ）的人身关系和财产关系。
A.平等主体的公民之间、法人之间、公民和法人之间
B.法人之间
C.公民和法人之间
D.公民之间、法人之间、公民和法人之间

【答案】 A
36、在广告泛滥的今天，有人指出：广告多了令人心烦，都成广告插播电视剧了；也有人指出：没有广告又觉得无从选择，购买商品不知道好坏。这说明（　　）。
A.意识在不同的主体之间存在主观差异性
B.对同一对象，不同的主体会有同一反应
C.意识的主观性表现在对客观事物的歪曲
D.对同一对象，相同的主体在不同条件下会有不同的反应

【答案】 A
37、甲乙合作完成一项工作，由于配合得好，甲的工作效率比单独做时提高1/10，乙的工作效率比单独做时提高1/5，甲乙合作6小时完成了这项工作。如果甲单独做需要11小时，那么乙单独做需要几小时？
A.13
B.16
C.18
D.20

【答案】 C
38、His kingdom was still ___ ；the Danes far from subdued.
A.precarious
B.preferential
C.primal
D.prodigal

【答案】 A
39、准货币是指（ ）。
A.M1
B.M2
C.M3
D.M2-M1

【答案】 D
40、中长期贷款，为了使借贷双方承担的利率风险较小，一般都倾向于选择（　　）。
A.浮动利率
B.固定利率
C.市场利率
D.复利

【答案】 A
41、WangHong speaks English very well.
A.I hope so
B.I hope not
C.I think so
D.I don’t think so

【答案】 C
42、Passage 3
A.adaptation
B.application
C.motivation
D.competition

【答案】 A
43、重点向国家基础设施、基础产业和支柱产业项目以及重大技术改造和高新技术产业化 项目发放贷款的银行是（ ).
A.中国建设银行
B.国家开发银行
C.中国进出口银行
D.中国农业发展银行

【答案】 B
44、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.
A.was the first woman doctor
B.and several other women founded the first hospital for women children
C.became the first woman physician
D.set up the first medical school for women

【答案】 A
45、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（投资）the hypothetical（虚拟的）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.pay off all her debts
B.handle her money better
C.find a job in a bank
D.manage the family income

【答案】 B
46、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.Prosperity
B.Increase
C.Decrease
D.Bleakness

【答案】 A
47、Last year, 33 percent of the____worked in secondary industries and 48 percent worked in the tertiary sector.
A.populate
B.population
C.popularize
D.popular

【答案】 B
48、资料：（一）
A.the money paid by the insurers
B.the cost of administering insurance
C.the money paid by the insured
D.the amount of each premium

【答案】 C
49、如果一个公司经营状况严重恶化，要谨慎采用哪种用组织变革方式？（　　）
A.改良式
B.渐进式
C.计划式
D.爆破式

【答案】 D
50、The Volcker Rule basically says that banks can’t gamble with risky Wall Street bets because they might make bad______and collapse。
A.shifts
B.debts
C.mistakes
D.bets

【答案】 B
51、资料：Do you want to see the world? Then plan to visit the Silver Poseidon Cruises Career Fair on Tuesday, November 15 from 9 a.m. to 4 p.m. or Wednesday. November 16 from 5 p.m. to 9 p.m. We are looking for food service, entertainers, and maintenances staff to work aboard our many vessels. Free travel is just the beginning when you work for Silver Poseidon Cruises.
A.By sending an e-mail
B.By going to the Website
C.By calling Ms. Ruiz
D.By visiting the corporate office

【答案】 B
52、It is better to die on one’s feet than（ ）
A.living on one’s knees
B.live on one’s knees
C.on one’s knees
D.to live on one’s knees

【答案】 D
53、Dated back to the middle of 16 century,Wales in Great Briton made a educational policy that free,tax-supported schools must be established in every town （ ）100 households or more.
A.having
B.to have
C.to have had
D.having had

【答案】 A
54、资料：Early Experiences
A.You need to get rid of all unneeded features or functionality
B.You need to tailor to the need to mature users
C.Your own assumptions are relevant
D.You need actual users to test your products

【答案】 D
55、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
56、________your child will leave home to lead her own life as a fully independent adult .
A.Eventually
B.Quickly
C.Unanimously
D.Uncertainly

【答案】 A
57、资料：Desktop Support for Private Equity Firm in Midtown
A.Customer service skills
B.Rich expression
C.Knowledge of computer hardware
D.Knowledge of network printer installation

【答案】 B
58、以下属于中国金融监管的对象有（ ）。
A.国有商业银行
B.农村信用合作社
C.信托投资机构
D.以上均是

【答案】 D
59、某国某年的出口额为200亿美元，进口额为130亿美元，则该国该年的贸易差额为（　　）。
A.贸易赤字70亿美元
B.贸易顺差70亿美元
C.贸易逆差70亿美元
D.人超70亿美元

【答案】 B
60、 申请人办理银行汇票，应向银行填写( )一式三联。
A.银行汇票办理书
B.银行汇票申请书
C.企业汇票申请书
D商业汇票办理书

【答案】 B
61、维护文件的高度严密性是指（ ）。
A.公文的保密性
B.公文语言结构的严密
C.公文行文文字_严密
D.施行办法的严密

【答案】 B
62、2020年3月10日国家主席习近平专门赴湖北省武汉市考察疫情防控工作。他强调，经过艰苦努力，湖北和武汉疫情防控形势发生积极向好变化，取得阶段性重要成果，但疫情防控任务依然艰巨繁重。越是在这个时候，越是要保持头脑清醒，越是要慎终如始，越是要再接再厉、善作善成，继续把（　　）作为当前头等大事和最重要的工作。
A.疫情防控
B.疫情监管
C.疫情防治
D.疫情管理

【答案】 A
63、Nabhi Verma ,who holds degrees in both architecture and engineering, has a range of technical abilities ____ that.
A.too much
B.beyond
C.even more
D.moreover

【答案】 B
64、货币政策诸目标间呈现一致性关系的是（）。
A.经济增长与充分就业
B.充分就业与国际收支平衡
C.物价稳定与经济增长
D.物价稳定与充分就业

【答案】 A
65、When you write a cheque,the bank will______you 2 dollars.
A.cost
B.spend
C.save
D.charge

【答案】 D
66、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Saudi Arabia，UAE，Venezuela
B.Qatar，Kuwait，Nigeria
C.Bahrain，Oman，Qatar
D.Iran，kuwait，Dubai

【答案】 C
67、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
68、技能大赛中，刘师傅看了对手的资料后说：“如果我出场，每场比赛胜出的概率是0.3，但黄师傅出场的话，概率就是0.8。”于是决定，刘师傅出场1次，黄师傅出场2次，完成3场比赛后，总计胜出2场就可以进入总决赛。则他们进入总决赛的概率是（　　）。
A.0.854
B.0.562
C.0.736
D.0.688

【答案】 C
69、若信道的复用是以信息在一帧中的时间位置(时隙)来区分，不需要另外的信息头来标志信息的身份，则这种复用方式为（　　）。
A.异步时分复用
B.频分多路复用
C.同步时分复用
D.以上均不对

【答案】 C
70、在我国利率市场化改革进程中，若银行提高储蓄利率，则银行的储蓄总额最终将（　　）。
A.减少
B.增加
C.维持不变
D.既可能增加，也有可能减少

【答案】 D
71、微型计算机的运算器、控制器及内存储器的总称是（ ）。
A.CPU
B.ALU
C.MPU
D.主机

【答案】 D
72、下列各项中，不应确认为应付职工薪酬科目来核算的有（　　）。
A.利润分享计划
B.社会保险费和辞退福利
C.职工工资和福利费
D.差旅费

【答案】 D
73、在金融衍生工具中，（　　）的风险最大。
A.互换
B.期权
C.期货
D.远期

【答案】 D
74、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.impact
B.incident
C.inference
D.issue

【答案】 D
75、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.Less creative by comparison
B.Be smaller in size
C.Become more majestic
D.Nothing different

【答案】 A
76、与贷款五级分类相对应的贷款损失准备金制度应是（　　）
A.普通准备金制度
B.专项准备金制度
C.特别准备金制度
D.一般准备金制度

【答案】 B
77、Passage 9
A.the reader’s expectations agree with what is said in the text
B.the reader has trouble understanding what the author says
C.the reader asks questions and gets answers
D.the reader understands a text very well

【答案】 B
78、某砖厂计划20天生产30000块砖，现在已生产的块数可以装2辆卡车，已知每盒装6块砖，每箱装40盒，每辆卡车装50箱，照这样计算，还要生产几天才能全部完成？（　　）
A.4天
B.6天
C.8天
D.10天

【答案】 A
79、截至2011年末，我国境内股市已经成为全球第（ ）大市场。
A.二
B.三
C.四
D.五

【答案】 B
80、与消费物价变动密切相关，最活跃的货币是（ ）。
A.M1
B.M2
C.M0
D.M

【答案】 C
81、甲乙合作完成一项工作，由于配合得好，甲的工作效率比单独做时提高1/10，乙的工作效率比单独做时提高1/5，甲乙合作6小时完成了这项工作。如果甲单独做需要11小时，那么乙单独做需要几小时？
A.13
B.16
C.18
D.20

【答案】 C
82、 某投资项目原始投资额为100万元．使用寿命10年．已知该项目第10年的营业现金净流量为25万元．期满处置固定资产残值收入及回收流动资金共8万元，则该投资项目第10兰的现金净流量为（　　）万元。
A.8
B.25
C.33
D.43

【答案】 C
83、资料：How did Tencent take WeChat so far ahead of its rivals?