2019-2025年银行招聘之银行招聘综合知识能力测试试卷B卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识能力测试试卷B卷附答案

单选题（共600题）
1、If English means endless new words，difficult grammar and sometimes strange pronunciation，you are wrong.Haven’t you noticed that you have become smarter since you started to learn a language?
A.people who can speak two languages
B.second language learners
C.researchers on language learning
D.active language learners

【答案】 A
2、Hurricane Katrina passed in my own surroundings and
A.involved
B.entailed
C.panicked
D.panic

【答案】 A
3、资料：We never thought we'd say this, but we'd welcome back some chilly weather.
A.About 60s and 70s
B.Between 60s and 90s
C.Below 60s
D.About 80s and 90s

【答案】 D
4、三篮桃子共重90斤，如果从第一篮中取出13斤放入第二篮，从第二篮中取出8斤放入第三篮，从第三篮中取出2斤放入第一篮，这时三篮桃子的重量相等，原来第二篮中有桃子（　　）斤。
A.21
B.23
C.25
D.27

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

【答案】 D
6、下列不属于银行认可的个人汽车贷款担保措施的是（　　）。
A.信用担保
B.质押

C.第三方保证
D.房地产抵押

【答案】 A
7、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
8、下列关于经济资本和监管资本的说法中，错误的是（　　）。
A.账面资本是银行资本金的静态反映，反映了银行实际拥有的资本水平
B.经济资本在数额上与非预期损失相等
C.监管资本是监管当局规定的银行必须持有的与其业务总体风险水平相匹配的资本
D.监管资本是一种虚拟的、与银行风险的非预期损失额相等的资本

【答案】 D
9、IBM now has incentive to______or fire employees before that Dec.15 date.
A.lay down
B.lay off
C.lay aside
D.lay out

【答案】 B
10、金某与妻子叶某于2013年6月4日在明华小区租了一套房子居住，与房东书面约定租期为2013年6月5日至2015年5月10日，并按时交付租金。2014年11月3日，金某遭遇交通事故意外身亡。则在租赁期间（　　）。
A.叶某可以按原租赁合同租赁该房屋
B.叶某若继续租赁房屋，须重新订立租赁合同
C.原租赁合同终止，不得继续租赁该房屋
D.叶某必须按原租赁合同租赁该房屋

【答案】 A
11、货币市场具一般具有期限短、流动性强、对利率敏感等特点，有（ ）之誉。
A.货币
B.票据
C.基础货币
D.准货币

【答案】 D
12、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
13、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.Concrete things are more attractive than the abstract things
B.The long term upside is easily dominated by short-term effort in our minds
C.We cannot avoid present bias in our brain
D.The brain can be trained to procrastinate often

【答案】 B
14、Now that your plan seems to fail to work,you ought to make a（n） ____one as soon as possible.
A.alert
B.alarm
C.alter
D.alternative

【答案】 D
15、通过《关于新中国成立以来党的若干历史问题的决议》的中央全会是（　　）。
A.十一届三中全会
B.十二届三中全会
C.十二届五中全会
D.十一届六中全会

【答案】 D
16、计算机网络突出的优点是（　　）。
A.存储容量大
B.运算速度快
C.共享资源和信息交换
D.精度高

【答案】 C
17、There are many ways to define the “time” at a particular ______.Here，on Earth our usual system is defined by the motion of the Sun in the sky.
A.district
B.iocation
C.interpretation
D.direction

【答案】 B
18、Tony stops him with news that a plane has ______ over the Mojave Desert.
A.blown off
B.blown in
C.blown down
D.blown up

【答案】 D
19、6×10×11×26-5×12×13×22=（　　）。
A.0
B.2
C.1
D.3

【答案】 A
20、Passage 3
A.they think it academically misleading
B.they have a lot of fun to expect in college
C.it feels strange to do differently from others
D.it seems worthless to take off-campus courses

【答案】 C
21、根据我国《合同法》的规定，存在下列（　　）情形的合同，当事人一方有权请求人民法院或者仲裁机构撤销合同。
A.因重大误解订立的
B.损害国家利益的
C.以合法形式掩盖非法目的
D.违反法律、行政法规的强制性规定的

【答案】 A
22、下列有关国内生产总值的表述，正确的是（ ）。
A.③④
B.①④
C.②③
D.①②④

【答案】 B
23、资料：It’s almost considered sacrilegious today to leave work at the end of your workday or（for shame！）on a Friday and simply not check your work email again until you return the office during normal working hours。
A.They are inconsistent about the attitude toward after hours emails
B.They both push the employees to be available all the time
C.They are consistent about the attitude towards after hours emails
D.They both don’t mean to stress the employees out

【答案】 A
24、“七喜”汽水突出宣传自己不含咖啡因的特点，成为非可乐型饮料的主导者，它采取的是（　　）定位策略。
A.市场渗透
B.避强定位策略
C.专业化营销
D迎头定位策略

【答案】 B
25、资料：Demystifying how social and human-like robots work is vital so that we can understand and shape how they will affect our future, Dr Hatice Gunes will tell the Hay Festival next week. (1)
A.With the development of human robot interaction, robots ae now able to communicate with humans in an effective way
B.Scientists have many challenges in developing robots, such as how to modify their appearance and behavior
C.Human emotions enable robots to win the trust from human, especially the elderly and children
D.It is important to help people understand robots in order to develop robots to human needs

【答案】 D
26、You may also consider options that match your unique______.
A.elements
B.developments
C.requirements
D.comments

【答案】 C
27、边际报酬递减规律指以下哪一种现象?（　　）
A.资源是稀缺的，但某些资源比其它资源更稀缺
B.一国居民拥有的某种东西越多，他们获得更多这种东西的愿望就越低
C.当两种资源中的一种投入不断增加，而另一种资源数量固定时，边际产量先越来越大后越来越小
D.当两种资源中的一种投入不断增加，而另一种资源数量固定时，总产出最终减少

【答案】 C
28、Some women in recent years have brought successful court challenges to gender discrimination in job ads，but the______the companies were ordered to pay was low。
A.regulation
B.occupation
C.permission
D.compensation

【答案】 D
29、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
30、资料：之后，经济学家Mr.V发表了关于一些新名词的感悟，请根据下列资料回答问题。
A.Globalization is a business strategy that means doing everything the same everywhere
B.Globalization is a shift in traditional patterns of international production, investment, and trade
C.Globalization is interconnections between different interests of business and society
D.Globalization is the absence of borders and barriers to trade between nations

【答案】 C
31、金融市场最主要的基本功能是（　　）。
A.融通货币资金
B.优化资源配置
C.风险分散
D.定价功能

【答案】 A
32、The information means little if we cannot______it effectively.
A.confirm
B.explore
C.consider
D.express

【答案】 A
33、（　　）是指企业利用多种信息载体，与目标市场进行沟通的传播活动，包括广告、人员推销、营业推广与公共关系等。
A.产品
B.定价
C.促销
D.分销

【答案】 C
34、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 I’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】 D
35、多数鱼类背部发黑、腹部发白，其原因是（ ）
A.长期进化形成的保护色
B.背部比腹部接受光线多，导致色素沉淀
C.背部比腹部黏膜厚，吸收光线多
D.背部鱼鳞多，吸收光线多

【答案】 A
36、Josh graduated with his master’s degree in space studies and planetary sciences，but after years of working odd jobs and barely______，he decided to go back to get his teaching license。
A.putting on the back burner
B.breaking new ground
C.making ends meet
D.proving his mettle

【答案】 C
37、下面没有语病的句子是（　　）。
A.路是人走出来的，但是走过的地方都不一定成为了路
B.一条小船很难度众生，必须是众人建造的大船才能同舟共济
C.相信科学的人们决不会让封建迷信影响他的思想
D.大路的向天边延伸很远很远直到遥远的看不到天际

【答案】 D
38、When we read，we construct a mental _______ of the text in our minds，much as we do when we took at an area of land and create a mental map in our heads.
A.representation
B.imagination
C.interpretation
D.identification

【答案】 A
39、一个立方体随意翻动，每次翻动朝上一面的颜色与翻动前都不同，那么这个立方体的颜色至少有几种？（　　）
A.3
B.4
C.5
D.6

【答案】 A
40、根据我国《反洗钱法》及中国人民银行的规定，银行等金融机构在反洗钱方面承担的相关义务不包括（　　）。
A.协助反洗钱调查
B.对反洗钱工作的信息进行适度公开
C.及时报告大额和可疑交易
D.建立内部反洗钱工作机制和规程

【答案】 B
41、The first IC’s were made____the early 1960’s.
A.in
B.from
C.for
D.of

【答案】 A
42、资料：Acknowledging that so-called cloud computing will blur the distinctions between computers and networks, about two dozen big information technology companies plan to announce a new standards-setting group for computer networking. The group, to be called the Open Networking Foundation, hopes to help standardize a set of technologies pioneered at Stanford and the University of California, Berkeley, and meant to make small and large networks programmable in much the same way that individual computers are.
A.The open networking foundation will be led by Stanford and the university of California, Berkeley
B.With the setting of new standards, operators of large networks will have more flexibility of control
C.People will have a better understanding of the distinctions between computers and networks thanks to cloud computing
D.Cloud computing will involve more routing computers than the traditional internet

【答案】 B
43、In Western Australia，there are around 450 aircraft maintenance engineers，most of______work in the Perth metropolitan area.
A.them
B.whom
C.which
D.they

【答案】 B
44、Passage 4
A.train staff for world-famous firms
B.offer job opportunities to young adults
C.provide youth with unique experiences
D.equip the unemployed with different skills

【答案】 C
45、目前国际公认的高技术前沿是指（
A.航天航空技术
B.计算机与信息技术
C.生物技术
D.新材料技术

【答案】 B
46、 在我国，一般把每年的（　）作为一个会计年度。
A.3月1日至2月28日
B.1月1日至12月31日
C.4月1日至3月31日
D.1月1日至1月31日

【答案】 B
47、资料：It’s almost considered sacrilegious today to leave work at the end of your workday or（for shame！）on a Friday and simply not check your work email again until you return the office during normal working hours。
A.To require an instant respond for after-hour emailing
B.To abandon after-hour emailing
C.To tell employees that an after-hours email doesn’t necessarily require a response
D.To limit the time of after-hour emailing

【答案 D
48、大额可转让定期存单最早产生于美国。美国的《Q条例》规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20世纪60年代，美国市场利率上涨，高于《Q条例》规 定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。
A.存款业务
B.贴现业务
C.贷款业务
D.证券业务

【答案】 A
49、李斯特认为对某一幼稚工业的保护时间（　　）。
A.以20年为最高期限
B.以30年为最高期限
C.以50年为最高期限
D.无限

【答案】 B
50、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
51、资料：欧洲的经济学家Mr.T首先跟你谈了欧洲的一些优势，以及一些好的企业。请根据下列资料回答问题
A.It is a Spanish food
B.It is a soft drink
C.It is a sports drink
D.It is a food and drinks company

【答案】 C
52、资料：2014 has been a landmark year for Alibaba. Just last week, the Chinese e-commerce juggernaut set a world-record selling US$9.3 Billion worth of goods in 24 hours on Singles Day. A few months back, Alibaba claimed the title of the world's biggest IPO, raising US$25 Billion on the NYSE. Things will only get bigger for Alibaba.
A.It announced that they would import more Australian products into China
B.It announced that they would promote the trade between China and Australia
C.It announced that they would introduce more Australian products to Chinese online consumers
D.It announced that they would bring more Chinese goods into the Australian market

【答案】 C
53、资料：It’s almost considered sacrilegious today to leave work at the end of your workday or（for shame！）on a Friday and simply not check your work email again until you return the office during normal working hours。
A.Bosses push employees to work by sending emails anytime
B.Employees are exhausted by the constant need to check emails
C.Companies mean to stress the workers out by sending emails
D.None of above

【答案】 B
54、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
55、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD player or Nokia phone at Best Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.
A.Best Buy's failure in China
B.Chinese local retailers' reason for success
C.Overseas retailers' struggle in the Chinese market
D.The development of retail industry in China

【答案】 A
56、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.People were obsessed with imported products
B.The Dollar depreciated against Euro
C.The small brewers and megabrewers used the same type of hop flower
D.Brewers Association was founded

【答案】 A
57、资料：Tencent Holdings Ltd has announced that it will fully open up its big data platform and machine learning technology in a move to build a "sharing economy" based on cloud services. Enterprises will be able to use a set of big data analysis tools developed by Tencent, helping them gain a better understanding of their clients and improve their products.
A.Negative
B.Neutral
C.Encouraging
D.Positive

【答案】 B
58、 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
59、下列能够计入我国当年GDP的是（　　）。
A.制衣厂购入的10万元棉花
B.某人买了一辆价值10万元的旧房
C.某企业当年生产而没有卖掉的10万元产品
D.一个在美国工作的华人收入10万元

【答案】 C
60、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
61、货币的（　　）功能是使货币区别于股票，债券和住宅的主要功能。
A.交易媒介
B.记账单位
C.支付手段
D.价值储藏

【答案】 A
62、I have been looking____your kind reply.
A.out for
B.down on
C.in on
D.forward to

【答案】 D
63、某公司测算，若采用银行业务集中法，增设收账中心，可使公司应收账款平均余额由现在的800万元减至600万元，每年增加相关费用15万元。该公司年综合资金成本率为10%， 则（）。
A.