2019-2025年银行招聘之银行招聘综合知识模拟题库及答案下载.docx

2019-2025年银行招聘之银行招聘综合知识模拟题库及答案下载

单选题（共600题）
1、大气中的臭氧层能够保护地球上的生物，这主要是因为臭氧层可以（ ）。
A.释放出大量氧气
B.滤除大量紫外线
C.屏蔽太阳的辐射
D.吸收大量二氧化碳

【答案】 B
2、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.
A.Unbiased
B.Slightly critical
C.Fully supportive
D.Paradoxical

【答案】 B
3、某企业外购A、B两种材料，A材料买价20万元，B材料30万元，两种材料共发生运杂费5000元。则B材料取材成本为（　　）。
A.302500元
B.305000元
C.303000元
D.300000元

【答案】 C
4、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
5、The boy wanted to play football in the street，but his father told him______.
A.not to
B.not
C.not to do
D.don’t

【答案】 A
6、2019年1月21日电，国家统计局21日对外公布，经初步核算，2018年全年我国国内生产总值（GDP）为900309亿元，经济总量首次站上（　　）的历史新台阶，稳居世界第二位。
A.80万亿元
B.90万亿元
C.100万亿元
D.110万亿元

【答案】 B
7、马克思列宁主义、毛泽东思想、邓小平理论和“三个代表”重要思想共同的精髄是（）。
A.从群众中来，到群众中去的群众路线
B.实事求是的思想路线
C.具体问题具体分析的方法论原则
D.革命性和实践性相统一的理论特征

【答案】 B
8、某人驱车从甲地前往30公里外的乙地，顺风而行花了3个小时，从乙地沿着原路返回时用了5个小时，假设车速和风速都是匀速状态，则风速是（　　）公里/时。
A.5
B.2
C.3
D.4

【答案】 B
9、珠穆朗玛峰位于（　　）。
A.中、巴边境
B.中、缅边境
C.中、尼边境
D.中、印边境

【答案】 C
10、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.It is important for robots to learn about the context so as to understand human emotions
B.Whether humanoids will have human emotions themselves still remains unclear
C.It is a stigma for robots to have different layers of human emotions
D.The nature of human emotions will hinder the development of humanoids

【答案】 A
11、就业是最大的民生，保市场主体也是为稳就业保民生。各地加大稳岗扩岗激励力度，企业和员工共同克服困难。多渠道做好重点群体就业工作，支持大众创业万众创新带动就业。新增市场主体恢复快速增长，创造了大量就业岗位。2020年全年城镇新增就业1186万人，年末全国城镇调查失业率降到52％。生活必需品保供稳价，居民消费价格上涨25％。线上办公、网络购物、无接触配送等广泛开展。大幅度扩大失业保险保障范围。对因疫情遇困群众及时给予救助，新纳入低保、特困供养近600万人，实施临时救助超过800万人次。
A.国民收入增加
B.政府预算下降
C.投资盈利性下降
D.预期通货膨胀率上升

【答案】 D
12、经常项目账户的顺差意味着( ）。
A.出口大于进口
B.出口小于进口
C.出口等于进口
D.出口的增加大于进口增加

【答案】 A
13、资料：Human resource professionals act as mediators between an organization's management and its workers. This requires wearing many hats It's an HR administrator's job to make sure that employees are working in a safe environment that disputes are settled， and that benefits are understood and administered properly. At the same time， HR is charged with recruiting new employees who will not only fit in personally and professionally but also help the company achieve its business goals. They also represent management when negotiating for benefits with companies administering these benefits and when implementing companywide policies that will ultimately lower costs or boost profits. The needs of HR cover a wide range of tasks and，therefore， require individuals who are good with people in addition to being organized， analytical， business-minded， and heroic multitaskers.
A.Because the economy as a whole is growing nowadays
B.Because job opportunities in HR grow faster than the average
C.Because transferred or retired workers need to be replaced in time
D.Because companies begin to recruit HR functions from the outside

【答案】 A
14、2017年4月份，某省规模以上食品工业增加值同比增长15.0%，比全省规模工业平均水平高9.4个百分点。其中，农副食品加工业增长14.0%，食品制造业增长18.6%，酒、饮料和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%，增幅比全省规模工业平均水平高4.5个百分点。
A.熟肉制品
B.米制半成品
C.冷冻蔬菜
D.酱油

【答案】 B
15、 银行存款收入和付款都不入银行存款日记账，其动机不包括( )。
A.想隐瞒留收人
B.利用账户为他人取现金从中获取好处费
C.将单位资金借出或公款私存，获得利息收入
D.节省成本

【答案】 D
16、 “实收资本”属于( )类科目。
A.资产
B.所有者权益
C.损益
D.共同

【答案】 B
17、Our price is ______ as compared with that in the international market.
A.reasonable
B.accountable
C.perfect
D.affordable

【答案】 A
18、在有关科学实践中，没有使用（　　）的仪器，经过（　　）的调查进行（　　）的论证往往很难得出结论。
A.周密严密细密
B.精密周密细密
C.细密严密周密
D.精密周密严密

【答案】 D

19、有一位企业的领导者，破例地奖励了几位为企业做出很大贡献的职工，奖金超过了以往规定的最高限额。对此，下属有许多不同的反应，这件事表明（　　）。
A.不管奖金数是否合理，超越制度的规定是不应该的
B.只要不是领导者个人装腰包，奖励完全可以遵循大数原则
C.这种奖励是一种晕轮效应，为了引起轰动，违反制度也是值得的
D.如果奖励是公平的，这种处理方法符合运用权利的例外处理原则

【答案】 D
20、（　　）签订于八国联军侵华之后，这一条约使中国彻底沦为半殖民地半封建社会。
A.《南京条约》
B.《瑷珲条约》
C.《马关条约》
D.《辛丑条约》

【答案】 D
21、OPEC holds meetings frequently so as to regulate the output of______ oil.
A.crude
B.original
C.first
D.primary

【答案】 A
22、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
23、 对被审计单位长期挂账的（　）应采取函证查询、电话查询等方法进行逐户核对。
A.现金
B.货币资金
C.银行存款
D.往来账项

【答案】 D
24、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.it is an Olympic event
B.teams compete against each other
C.mountaineers depend on each other while climbing
D.there are 5 climbers on each team

【答案】 C
25、He felt so cold that he kept trembling （ ） unable to endure it any more.
A.as for
B.as well
C.as if
D.as long as

【答案】 C
26、Indeed, some newly downgraded journalists are ______ arguing that they are capable of separating professional and personal matters.
A.indignant
B.objective
C.empirical
D.ingenious

【答案】 A
27、Have you ever paid your kid for good grades？Have you driven to school to______a forgotten assignment？Have you done a college student’s laundry？
A.drop off
B.make up
C.take over
D.fill in

【答案】 B
28、2019年是人民币国际化启动十周年。十年来，中国银行充分发挥全球化和综合化优势，深度参与全球人民币清算体系建设，助力人民币国际化发展。截至目前，中行在（　　）个国家和地区担任人民币清算行，在全球26家授权人民币清算行中占有12席，继续保持同业第一。
A.10
B.12
C.20
D.30

【答案】 B
29、资料：Changing careers is becoming more popular. Not just because there are more career options available, but also out of necessity. As new industries arise, others die. It's up to you to figure out if your career is still going to be around in the next 5-10 years. Some studies say we could have as many as nine careers in our professional lifetime. Which begs the question: do you know what it takes to successfully change career lanes repeatedly?
A.As new industries arise, the popularity of different careers also change
B.Nowadays people don’t know what they really want to do
C.Because changing careers is becoming more popular
D.Because one could have as many as nine careers in his professional lifetime

【答案】 A
30、Passage 4
A.The more money we have,the more stress we have
B.Money can be of great help
C.We should try our best to earn money
D.Money is helpful in some way,but we should make full use of it

【答案】 D
31、Much of Canada’s forestry ____goes towards making pulp and paper.
A.production
B.introduction
C.orientation
D.multiplication

【答案】 A
32、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
33、省、自治区、直辖市的设立、撤销、更名，须报（ ）审议决定。
A.全国人民代表大会
B.国务院
C.全国人大常委会
D.省级国家权力机关审议决定

【答案】 A
34、He wants to ______ and ______ everything.
A.cover up;paint up
B.cover up; paint over
C.cover over; paint over
D.cover over; paint up

【答案】 B
35、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
36、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.The Fed banks, the State banking and group banking
B.The Fed banking, the state banking and group banking
C.Unit banking, group banking and branch banking
D.Specialized banks, group banking and unit banking

【答案】 C
37、2012年5月10日，期货市场首个上市新品种：白银期货正式挂牌交易，这意味着国 内市场上市了第（ ）个贵金属期货交易品种。
A.一
B.二
C.三
D.四

【答案】 B
38、资料：What，if anything，do we gain by clinging to our antioxidant supplements？
A.It is good for muscle cramps
B.It is good for macular degeneration
C.It goes well with trauma
D.It makes human body stronger

【答案】 D
39、It can be well predicted that these effects might spread to societies and regions______。
A.by and large
B.at large
C.in all
D.in common

【答案】 B
40、主动性在商业银行而不在中央银行的一般性货币政策工具是（　　）。
A.存款准备金率政策
B.公开市场操作
C.再贴现政策
D.货款限额

【答案】 C
41、Passage 4
A.such risks are very expensive
B.such risks cannot be estimated precisely
C.such risks are too high
D.the premiums would be too high

【答案】 B
42、Many Native Americans were killed during the ______ of the American West by Europeans in the 19th century.
A.shelter
B.construction
C.settlement
D.basement

【答案】 C
43、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.The world economy relies on China 's economy
B.Chinese consumers have great potential
C.Other countries should learn from China by developing a sharing economy
D.Chinese government is improving people’s lives

【答案】 B
44、The world population is expected to rise to more than nine billion by 2050，one-third of all people______expected to live in cities。
A.has been
B.are
C.have been
D.have succeeded in

【答案】 B
45、资料：Candle Light College Limited
A.Degree
B.Computer knowledge
C.Related work experience
D.Flexible working hours

【答案】 C
46、（）是收文办理的中心环节。
A.批办
B.拟办
C.承办
D.注办

【答案】 C
47、The company's profits are______to hit their peak in the next quarter mainly due to the release of its new line of clothing.
A.forecast
B.forecasting
C.to forecast
D.will forecast

【答案】 A
48、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.a business history book
B.a textbook about advertisement
C.a business report website
D.an introduction of a novel

【答案】 C
49、“一个中心、两个基本点”的本质是（　　）。
A.发扬社会主义民主
B.建立社会主义制度
C.发展社会生产力
D.坚持党的正确领导

【答案】 C
50、金融市场上主要的资金供应者是（ ）。
A.家庭
B.企业
C.政府
D.金融机构

【答案】 A
51、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.introduce the Bank of Monsell
B.analyze the products of Bank of Monsell
C.introduce certain products and services for teens
D.show the success of the Bank of Monsell

【答案】 C
52、20世纪30年代，美国经济危机产生的直接原因是生产和销售之间的矛盾加剧。加剧这 一矛盾的因素有（ ）。
A.①②③
B.②③④
C.①②④
D.②③

【答案】 A
53、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the degrading joints
B.the thinning of your hair
C.the good condition of your organs
D.the wrinkles around your eyes

【答案】 C
54、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sitting there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.
A.Use logic
B.Disagree with the speaker
C.Response
D.Be silent

【答案】 D
55、某公司招聘甲、乙两种职位的人员共90人，甲、乙两种职位人员每月的工资分别为1500元和2500元，若甲岗位的工资总支出是乙岗位的40%，则乙岗位招聘人数比甲职位多（　　）人。
A.24
B.20
C.18
D.15

【答案】 C
56、Passage 1
A.helped the butterfly escaped from the thorn
B.felt sorrow,but she didn’t go up to help it
C.fell down on it too
D.failed to help it release from the thorn

【答案】 A
57、新三民主义与中共民主革命纲领的根本区别在于（　　）。
A.中国民主革命的道路问题
B.中国人民的民主权利问题
C.对待工农革命的态度问题
D.民主革命胜利后的前途问题

【答案】 D
58、最广义的投资银行定义是指（ ）。
A.任何经营华尔街金融业务的银行
B.指经营一部分或者全部资本市场业务的金融机构
C.投资银行是指经营资本市场某些业务的金融机构
D.在一级市场上承销证券筹集资本和在二级

【答案】 A
59、.注册会计师对存货抽査时发现了差异，下列处理中不恰当的是（ ）。
A.应査明原因，及时提请被审计单位更正
B.不管是什么差异，应当提请被审计单位先挂账“待处理财产损溢——待处理流动资产损溢”后再作处理
C.注册会计师应当考虑错误的潜在范围和重大程度，在可能的情况下，增加抽查范围以减少错误的发生
D.注册会计师根据抽查的结果如果认为盘点记录中错误程度非常严重，应当要求被审计单位重新进行盘点

【答案】 B
60、Passage3
A.the rules for dinner time are not strict
B.dinner is always at six in the evening
C.a family offers food only at four in the afternoon
D.people usually invite their guests to dinner later in the evening

【答案】 A
61、我国金融信托业务的办理机构是（　　）。
A.贸易信托公司
B保险公司
C.信托投资公司
D.投资银行

【答案】 C
62、主营业务利润率属于哪种财务比率（　　）。
A.结构比率
B.效率比率
C.相关比率
D.利润比率

【答案】 D
63、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
64、“一门三父子，都是大文豪。诗赋传千古，峨眉共比高。”这首诗中的“三父子”指的是（　　）。
A.曹操、曹丕、曹植
B.苏洵、苏轼、苏辙
C.班固、班超、班昭
D.杜甫、杜牧、杜荀鹤

【答案】 B
65、We need to involve at least 20 people on this project,____it can’t go ahead.
A.however
B.even if
C.due to
D.otherwise

【答案】 D
66、Passage 8
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
67、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.Luxury landmarks dominate Gulf skyline
B.Oil price is booming
C.Gulf authorities refuse to raise taxes
D.Oil Price is around $40 per gallon

【答案】 A
68、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 writ