2025年银行招聘之银行招聘综合知识考试题库.docx

2025年银行招聘之银行招聘综合知识考试题库

单选题（共600题）
1、She was able to get the government and ______ companies to help patients with the cost of their care.
A.assurance
B.assumption
C.sanction
D.insurance

【答案】 D
2、（　　）是金融市场所具有的主要宏观功能。
A.价格发现
B.减少搜寻成本和信息成本
C.提供流动性
D.实现储蓄—投资转化

【答案】 D
3、____ analysts’ predictions, McKnight Electronic engineers were able to create a battery capable of lasting twice as long as previous models.
A.Nevertheless
B.Contrary to
C.Except
D.Provided that

【答案】 B
4、资料：Are walkers smarter than drivers?
A.They put forward proposals for using public transportation rather than private cars
B.They realize their parents' dream of moving to cities
C.Their workforce leads to cities with higher GDP and educational levels
D.They contribute to cities' educational industry

【答案】 C
5、资料：What attracts customers? Obviously the quality of a product does but visual images contribute a great deal. It is not only the image provided by the packaging that counts but the whole corporate identity of the company.
A.on the letterheads and packages
B.in the social media platform
C.advertisements on TV
D.All of above

【答案】 D
6、资料：This exhibition brings together outstanding works from the earliest times to the present in a thematic arrangement that is fresh and unique.
A.the theme that brings together works
B.arrangement focusing on some periods in history
C.different sections
D.famous artists joint together

【答案】 D
7、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.The quality of writings is of primary importance
B.mmon humanity is central to news reporting
C.Moral awareness matters in editing a newspaper
D.Journalists need stricter industrial regulations

【答案】 C
8、 在( )计量属性下，资产按照其正常对外销售所能收到现金或者现金等价物的金额扣减该资产至完工时估计将要发生的成本、估计的销售费用以及相关税金后的金额计量。
A.历史成本
B.公允价值
C.可变现净值
D.现值

【答案】 C
9、Experiments of this kind（　　）in both the U.S and Europe well before the WWII.
A.have been conducted
B.have conducted
C.had conducted
D.had been conducted

【答案】 D
10、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.To make networks less expensive to build and operate
B.To enhance the capabilities of network engineers
C.To set new standards for computer networking
D.To promote cloud computing

【答案】 C
11、For thousands of years people communicated ___ little more than words, stone tablets, and smoke signals.
A.to use
B.used
C.use
D.using

【答案】 D
12、She is less ________ on being a grandmother, now her daughter Caron is married.
A.desirous
B.eager
C.keen
D.anxious

【答案】 C
13、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.经济趋热，货币政策相应紧缩
B.经济趋冷，货币政策相应扩张
C.经济趋冷，加大货币投放力度
D.经济趋热，定向降低准备金率

【答案】 D
14、 以下项目中，属于资产负债表中流动负债项目的是（　　）。
A.预计负债
B.递延所得税负债
C.一年内到期的长期借款
D.应付债券

【答案】 C
15、任何热机的效率都不可能达到100%，是在热力学第（ ）定律表现出来的。
A.一
B.二
C.三
D.四

【答案】 B
16、资料：The increasing amount of personal information that can be collected by computer programs that track how people use Facebook has been revealed by an extensive academic study.
A.The efficiency of computer programs in data analysis
B.The result of a study can be predictable by computers
C.Usefulness of some personal information in marketing
D.Personal Information could be collected and analyzed online

【答案】 D
17、To meet the ethical requirements, the participants were informed that their involvement in the study was voluntary and that their personal privacy would be treated______.
A.confidentially
B.proudly
C.confidently
D.secretly

【答案】 A
18、下列哪一种情况，可越权批办文件？（ ）
A.经过授权
B.避免积压
C.急需处理
D.属一般性文件

【答案】 A
19、自然人甲、乙、丙共同出资设立了A公司。根据《公司法》，下列组织机构中必须设立的是（　　）。
A.股东会
B.董事会
C.职工代表大会
D.监事会

【答案】 A
20、资料：Think for a moment of your definition of persuasion. If you are like most business people I have encountered, you see persuasion as a relatively staightforward process. First, you strongly state your position. Second,you outline the supporting arguments, followed by a highly assertive, databased exposition. Finally, you enter the deal-making stage and work toward a “close.” In other words, you use logic, persistence, and personal enthusiasm to get others to buy a good idea. The reality is that following this process is one surefire way to fail at persuasion.
A.When the speaker is very confident and assertive
B.When the speaker is very logic and data-supported
C.When the speaker is open-minded and flexible
D.When the speaker is knowledgeable and authoritative

【答案】 C
21、—Could you take a message for Mr Brown?
A.may see;isn’t
B.see;won’t be
C.will see;isn’t
D.will be seeing;won’t be

【答案】 D
22、按照消费资料的存在形式，消费可分为（ ）。
A.实物消费与服务消费
B.个人消费与社会集团消费
C.个人消费与行政机关消费
D.个人消费与事业单位消费

【答案】 A
23、一个垄断厂商分别对两个市场实行差别定价垄断，下列选项哪个正确？（　　）
A.会操纵价格需求使两个市场的价格弹性相同
B.弹性更高的市场其价格更高
C.弹性更高的市场价格更低
D.需求弹性越高的市场出售产品越多

【答案】 C
24、The computer’s mouse permit the computer operator______the cursor on the video display.
A.move
B.moving
C.to move
D.is moving

【答案】 C
25、There currently seems to be a large____between the number of people employed in service industries, and those employed in the primary sector.
A.different
B.differential
C.discrimination
D.discrepancy

【答案】 B
26、Passage 2
A.A toy train
B.A bottle of whiskey
C.A camera
D.A cellular phone

【答案】 A
27、物价上涨率和失业率是成（　　）。
A.有联系但不确定
B.正相关
C.负相关
D.无相关

【答案】 C
28、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 （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.
A.Baidu has been cutting off their costs
B.Baidu's profit has fallen
C.Baidu's revenues have been falling
D.Baidu has been losing money

【答案】 B
29、抗日战争全面爆发的标志性事件是（　　）。
A.1939年9月1 日德国突袭波兰
B.1937年7月7日E1本制造卢沟桥事变
C.1941年12月8日日本突袭珍珠港
D.1941年6月22日德国突袭原苏联

【答案】 B
30、Stereotypes______women’s roles to duties within the domestic sphere，such as food preparation and child care。
A.confine
B.limit
C.restrain
D.conform

【答案】 A
31、A银行2019年年初共有正常类贷款900亿元，在2019年年末转为关注类、次级类、可疑类、损失类的贷款金额分别为50亿元、30亿元、15亿元和5亿元，期初正常类贷款期间因回收减少了200亿元、因核销减少了300亿元，则该银行2019年的正常类贷款迁徙率为（　　）。
A.15％
B.25％
C.50％
D.100％

【答案】 B
32、国际收支平衡的基本目标一般不包括（　　）。
A.进出口平衡
B.外汇储备增加
C.防止汇率变动
D.汇率稳定

【答案】 A
33、冯?诺伊曼计算机工作原理的设计思想是（　　）。
A.程序设计
B.程序存储
C.程序编制
D.算法设计

【答案】 B
34、资料：Desktop Support for Private Equity Firm in Midtown
A.Supporting PC hardware
B.Installing and upgrading hardware
C.Bringing repaired PCs to customers
D.Imaging and configuring desktops and laptops

【答案 C
35、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.internal accounting controls
B.internal financial controls
C.administrative controls
D.external controls

【答案】 C
36、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
37、下列不属于银行业监管原则的是( )。
A.独立监管原则
B.审慎监管原则
C.协调监管原则
D.保护投资者利益原则

【答案】 D
38、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?
A.disagreeable
B.mixed
C.cautious
D.negative

【答案】 B
39、资料：What attracts customers? Obviously the quality of a product does, but visual images contribute a great deal. It is not only the image provided by the packaging that counts but the whole corporate identity of the company.
A.What’s in the image?
B.What attracts customers?
C.What’s in a logo?
D.None of above

【答案】 B
40、目前网络传输介质中传输速率最高的是（　　）。
A.双绞线
B.同轴电缆
C.光缆
D.电话线

【答案】 C
41、资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.
A.Britain’s exit from European Union will have an impact on its membership in the bank
B.United States and Japan will join the Asian Infrastructure Investment Bank soon
C.More countries are interested in the membership in the bank
D.Germany and France will join the bank soon

【答案】 C
42、资料：Early Experiences
A.To determine whether the product is userfriendly
B.To see if the process is simple enough for users to understand
C.To learn about users' perspective
D.To cancel a process or navigate to a specific function or location

【答案】 D
43、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
44、In the past men generally preferred that their wives（ ）in the house。
A.worked
B.would work
C.work
D.were working

【答案】 C
45、The Oliveira Dining Guide, an online directory of restaurants, is ____ by cuisine type, price range and location.
A.search
B.searchable
C.searches
D.searcher

【答案】 B
46、票据丧失的补救措施不包括（ ）。
A.停止支付
B.挂失止付
C.公示催告
D.提起诉讼

【答案】 A
47、“Now you（　　）foolish,lady Anne,”complained Joan in the slightly joking way.
A.are being
B.being
C.are
D.were being

【答案】 A
48、The accounting team uses an advanced spreadsheet software program to list company（　　）by department.
A.diagrams
B.expenditures
C.applications
D.Insights

【答案】 B
49、资料：最后，大家谈论了中国在绿色经济方面做出的杰出贡献，请根据下列资料回答问题。
A.More experience exchange and business development
B.More passion towards this historical initiation
C.More active attitude towards tacking climate change
D.More green investment chances

【答案】 B
50、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.The British produced large quantities of beer
B.The British found one of the most popular products called the India pale ale, or I.P.A
C.The British made Hop flower a necessity and shipped it in large quantities to India
D.The British added more hop flower in beer

【答案】 D
51、我国专门为退市后的上市公司股份提供的继续流通场所为（ ）。
A.二级市场
B.银行柜台市场
C.三板市场
D.中小企业板市场

【答案】 C
52、下列有关债权的说法中正确的有（）。
A.债的标的包括物、给付、智力成果
B.债的标的为给付
C.债的标的为物和给付
D.债的标的为物和智力成果

【答案】 B
53、Passage 2
A.one-sided
B.reasonable
C.puzzling
D.well-based

【答案】 A
54、资料：For nearly a century, Hilton Worldwide has offered business and leisure travelers the finest in accommodations, service, amenities and value.
A.A policy announcement
B.A recruitment ad
C.A proposal
D.A business license

【答案】 B
55、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
56、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.The two sides have not reached an agreement on conditions of Britain’s orderly exit
B.Britain refuses to fill the financial bole of the EU
C.British People are divided on the issue of Brexit
D.EU does not want Britain to exit from it

【答案】 A
57、中国银行业协会的日常办事机构为（　　）。
A.会员大会
B.理事会
C.常务理事会
D.秘书处

【答案】 D
58、As ___, I think business English is more practical than other courses.
A.an International Business student major
B.an International Business major
C.a International Business student major
D.an International Business major student

【答案】 D
59、下列表述中不符合因事设职和因人设职相结合原则的是（　　）。
A.任何组织首先是人的集合，而非是事和物的集合
B.组织中的工作最终要靠人完成，不能完全招聘社会上的人员来满足企业的所有需要
C.即一个上级直接领导与指挥下属的人数应该有一定的限制，并且应该是有效的
D.组织设计往往不是全新的，进行再度调整时，要考虑“事事有人做”而非“人人有事做”

【答案】 C
60、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.perfect
B.more perfect
C.most perfect
D.perfectest

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

【答案】 B
62、Not only______the fall of the czar, but it also destroyed the provisional government.
A.did World War I cause
B.World War I cause
C.was World War I cause
D.World War I to cause

【答案】 A
63、按照消费资料的存在形式，消费可分为（ ）。
A.实物消费与服务消费
B.个人消费与社会集团消费
C.个人消费与行政机关消费
D.个人消费与事业单位消费

【答案】 A
64、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
65、中央银行对市场进行政策调节时，效果最为强烈的金融工具是（ ）。
A.存款准备金率
B.再贴现率
C.银行再贷款率

【答案】 A
66、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
67、生命的物质基础是（　　）。
A.蛋白质、甘酸、糖类、碱基、水和无机盐等
B.蛋白质、核酸、糖类、碱基、水和无机盐等
C.蛋白质、核酸、糖类、脂类、水和无机盐等
D.蛋白质、甘酸、糖类、脂类、水和无机盐等

【答案】 C
68、平均利润率的形成是（　　）。
A.无数资