2019-2025年银行招聘之银行招聘综合知识通关试题库(有答案).docx

2019-2025年银行招聘之银行招聘综合知识通关试题库(有答案)

单选题（共600题）
1、行政法的调整对象是（ ）。
A.行政法律关系
B.社会关系
C.行政关系和行政监督关系
D.行政法律规范

【答案】 C
2、资料： The poverty line is the minimum income that people need for an acceptable standard of living. People with incomes below the poverty line are considered poor. Economists study the causes of poverty in order to find solutions to the problem.
A.Confidence
B.Ability
C.Diligence
D.Willpowe

【答案】 D
3、Mr.Smith had an unusual（ ）：he was first an office clerk，the a sailor， and ended up as a school teacher.
A.profession
B.occupation
C.position
D.career

【答案 D
4、In the booming city of Rio de Janeiro，a luxury hotel______trash into treasure for more than a decade，long before food waste was at the forefront of anyone’s mind。
A.had been turning
B.has been turning
C.was turning
D.is turning

【答案】 A
5、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
6、A master of watercolor was John Marin,______used the medium to portray the city as a mighty organism.
A.he
B.who
C.his
D.which

【答案】 B
7、目前，我国中央银行发行的短期债券主要为（ ）。
A.央行回购品种
B.本票
C.可转让定期存单
D.央行票据

【答案】 D
8、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.MacBook sells very well
B.The design of MacBook lacks details
C.It is very hard to create such a product as the new MacBook
D.The design of MacBook is classic

【答案】 C
9、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.100 million euros
B.150 million euros
C.20 million euros
D.30 million euros

【答案】 B
10、资料：Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would you like to join her for dinner again？ Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.
A.show the good services offered in some web restaurants
B.criticize some restaurants for the poor services
C.show the Internet’s ability to collect data on you
D.prove the incredible power of the Internet to change your diet

【答案】 C
11、在下列关于数据库技术的描述中，错误的是（　　）。
A.关系模型是目前在DBMS中使用最广泛的数据模型之一
B.从组成上来看，数据库系统由数据库和应用程序组成，它不包括DBMS及用户
C.SQL语言不限于数据查询，还包括数据操作、定义、控制和管理等多方面的功能
D.OFFICE软件包中的EACCESS软件是数据库管理系统

【答案】 B

12、下列（ ）选项属于省人民代表大会的人事权。
A.选举上一级人民代表大会代表
B.罢免本级人民检察院检察长，无须报经上一级人民检察院检察长批准
C.选举本级人民法院院长，并须报经最高人民法院院长提请全国人大常委会批准
D.选举本级人民检察院检察长，但须报经最高人民检察院批准

【答案】 A
13、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混淆了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
14、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.ways to teach students to earn money
B.how Diane Ray learns to value money
C.the push to teach personal finance in school
D.how students choose a proper financial class

【答案】 C
15、Passage 3
A.keep students from being unrealistic
B.lower risks in choosing careers
C.ease freshmen’s financial burdens
D.relieve freshmen of pressures

【答案】 D
16、 Ellen Brown says the exercises help ______ her pain and stiffness from arthritis.
A.rectify
B.reclaim
C.reconcile
D.relieve

【答案】 D
17、掠夺交易是指以强制手段为基础、一方强迫另一方的利益转移(包括其承载物的转移>。下列不属于掠夺交易的是( ）。
A.甲有一幅非常珍贵的古名画，乙知道后千方百计想得到，就请甲的领导出面，用一幅现代名画将乙的那幅画换到手
B.张某摆了一个杂货摊点，一天，有一人来买塑料面盆，她拿出一元钱塞给张说：“我知道你卖三元一只，我们是邻居，就一元卖给我吧。”说完就拿走了面盆
C.小李家正搞装潢，谁知预算失误，少买了几平米某名牌木地板，急需补上，经销商谎称木地板涨价，必须加价，最终小李以三倍的价格买回所需地板
D.小王和小章是两位集邮爱好者，他们常常交换邮品，虽然有时用以交换的邮品价格悬殊，但双方都非常乐意，毫无怨言

【答案】 D
18、海市蜃楼是一种自然现象，它形成的原理是光的（　　）。
A.反射
B.折射
C.漫射
D.散射

【答案】 B
19、I would like to take advantage of this opportunity to express my sincere ______ for your help.
A.regulation
B.recreation
C.appreciation
D.guarantee

【答案】 C
20、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
21、资料：“Our cars are for people who want something different.”
A.It designs classic car models
B.It produces hand-made cars
C.It research and develop car-related technologies
D.It creates advertisements for the cars

【答案】 B
22、根据《个人外汇管理办法》的规定，下列说法不正确的是（ ）。
A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户
B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户
C.结算账户用于转账汇款等资金清算支付
D.储蓄账户可用于外汇存取与转账

【答案】 D
23、在LM曲线的凯恩斯区域，（　　）。
A.货币政策有效
B.财政政策有效
C.财政政策无效
D.财政政策和货币政策同样无效

【答案】 B
24、资料：China's Fosun has offered to buy almost 17 percent of Millennium BCP, Portugal's largest listed bank, and potentially lift its stake to 30 percent, following a having in its share price in the year to date.
A.?197.3 million
B.?240.7 million
C.?438 million
D.?43.4 million

【答案】 C
25、In modern clinical practice, doctors personally assess patients in order to ______, treat, and prevent disease using clinical judgment.
A.remedy
B.diagnose
C.infect
D.judge

【答案】 B
26、以动产作为抵押的，办理动产抵押时，向抵押人住所地的（ ）办理抵押登记。
A.工商行政管理部门
B.证券登记结算机构
C.信贷征信机构
D.财政管理部门

【答案】 A
27、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005年7月21日人民币汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格局，呈现稳中有升的态势。
A.货币局制
B.传统的盯住汇率制
C.事先不公开汇率目标的管理浮动
D.单独浮动

【答案】 A
28、资料：Keeping the Zeal of a Startup as You Scale
A.surprising cat
B.brilliant idea
C.evil belief
D.untraditional opinion

【答案】 D
29、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
30、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（ ）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混渚了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
31、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
32、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
33、Passage 8
A.The rules are good for lenders while bad for borrowers
B.The rules will help baby boomer seniors to save money
C.The rules will help consumers better understand reverse mortgage
D.The rules will be stricter for consumers

【答案】 C
34、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
35、She got her degree successfully as her university _____was on Marina Tsvetaeva, a poet then in deep official disfavor.
A.conclusion
Bhypothesis
C.dissertation
D.paradox

【答案】 C
36、下列属于无形资产的是（　　）。
A.设备
B.建筑物
C.商标
D.流动资产

【答案】 C
37、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混淆了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
38、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager of the supermarket. But in either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them.
A.It tells you what to produce
B.It tells you how to grow tomatoes
C.It provides you with everything you need
D.It helps you save money

【答案】 A
39、C语言程序是由（　　）构成的。
A.一些可执行语言
B.main函数
C.函数
D.包含文件中的第一个函数

【答案】 C
40、资料：International Federation for Scientific Research
A.A laboratory director
B.A conference organizer
C.A computer engineer
D.A science professor

【答案】 D
41、Passage 5
A.poor quality rails and unreliable stopping systems
B.lack of financial support for development
C.limited railroad lines
D.lack of a transcontinental railroad

【答案】 A
42、资料：It’s easy to trace the evolution of the automobile.At most，we’re only talking about a few centuries of technological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.
A.Hominid and panin
B.Chimps and humans
C.Walking on two legs
D.Morphological and genetic studies

【答案】 C
43、下面（　　）不是计算机局域网的主要特点。
A.地理范围有限
B.数据传输频率高
C.通信延迟时间较低。可靠性较好
D.构建比较复杂

【答案】 D
44、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.those with abundant money to waste
B.those common people who give others presents during holidays
C.those who never celebrate festivities and have no relatives
D.those under stress from both work and life

【答案】 B
45、 未到期的定期储蓄存款，部分提前支取的，提前支取的部分利率的计算应按（　　）。
A.活期储蓄存款利率
B.定期储蓄存款利率
C.整存整取存款利率
D.零存整取存款利率

【答案】 A
46、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
47、Passage 8
A.several time throughout the year
B.as quickly as possible
C.occasionally when necessary
D.regularly every winter

【答案】 D
48、Ever since book critic Martja Taynbe praised Reinaldo Da Silva’s The Flag Bearer, ____ for it has skyrocketed.
A.structure
B.vision
C.demand
D.effort

【答案】 C
49、In 17th-century England, astronomy provided methods of keeping______of time that were especially useful for accurate navigation.
A.investigate
B.trace
C.check
D.track

【答案】 D

50、Cimber Data has, as an organization, 20 years of experience working with airline maintenance, MRO and related functions in many different airline environments.
A.working
B.supplying
C.providing
D.experimenting

【答案】 A
51、Group-thinking occurs when people are either isolated from crucial sources of information or______by other members of the group， some of whom may have bad intent.
A.occupied
B.presided
C.operated
D.dominated

【答案】 D
52、根据国现行宪法规定,我国实行由（ ）负责保障宪法实施的体制。
A.司法机关
B.立法机关
C.专门机关
D.行政机关

【答案】 B
53、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.Latin American countries and in South-East Asia
B.German, Japan and China
C.German, Japan and United States
D.Not mentioned

【答案】 C
54、Passage 8
A.To discuss different methods of pruning
B.To introduce some common knowledge of pruning
C.To explain how trees develop disease
D.To give practical instruction for pruning a tree

【答案】 B
55、（　　）he did was right.So everyone believed in him.
A.What
B.Whatever
C.How
D.When

【答案】 B
56、Little help seems to_____ the disaster-hit area since the explosion took place 3 hours ago.
A.offer
B.have been offered
C.be offered
D.have offered

【答案】 B
57、____them all up,you can finally get the answer.
A.Adding
B.Added
C.To add
D.Add

【答案】 C
58、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
59、 王某见自己的女友遭两个流氓调戏，前去制止，却反遭流氓攻击，王某便立即进行反击。此时，便衣民警李某赶到，未来得及表明自己的身份即迅速抓住王某以制止殴斗。王某视李某为流氓团伙，随即拔刀将李某刺成重伤。王某的行为属于（　　）。
A.故意伤害
B.过失伤害
C.正当防卫
D.假想防卫

【答案】 D
60、“没有哪一次巨大的历史灾难，不是以历史的进步为补偿的。”恩格斯这句话蕴含的哲理是（　　）。
A.矛盾双方相互排斥
B.矛盾双方相互渗透
C.矛盾双方在一定条件下相互依存
D.矛盾双方在一定条件下相互转化

【答案】 D
61、Passage 5
A.water deficiency
B.distress
C.desertification
D.more grasses and lakes

【答案】 D
62、 银行汇票持票人在代理付款行开户的处理中，代理付款行收到在本行开户的持票人送交的汇票、解讫通知和进账单，经审核无误后，以汇票作借方传票，第二联进账单作贷款传票。其会计分录为( )。
A.借：××存款一一持票人户 　　贷：存放联行款项(联行往账)
B.借：××存款一一持票人户 　　贷：银行存款
C.借：银行存款 　　贷：××存款——持票人户
D.借：存放联行款项(联行往账) 　　贷：××存款一一持票人户

【答案】 D
63、出口方银行向外国进口商或进口方银行提供的贷款是（　　）。
A.卖方信贷
B.买方信贷
C.国际金融机构贷款
D.政府贷款

【答案】 B
64、某大型晚会的导演组在对节日进行终审时，有六个节目的尚未确定是否通过，这六个节目分别是歌曲A、歌曲B、相声C、相声D、舞蹈E和魔术F。综合考虑各种因素，导演组确定了如下方案：
A.无法确定论述F是否能通过
B.歌曲A不能通过
C.无法确定两个相声节目是否能通过
D.歌曲B能通过

【答案】 A
65、____ you return after the rental counter closes for the evening, place your vehicle’s keys in the night return slot.
A.Because of
B.As a consequence
C.In the event that
D.Prior to

【答案】 C
66、Passage 1
A.introduce a new course to students
B.help students learn about investment
C.teach how to apply for a credit card
D.encourage students’personal savings

【答案】 B
67、 甲在商场柜台边捡到一个钱包，内装人民币6000元，送交给该商场保卫科负责人乙．乙将此款据为己有。乙的行为构成（　　）。
A.侵占罪
B.挪用公款罪
C.贪污罪
D.巨额财产来源不明罪

【答案】 A
68、 “分配股利、利润或偿付利息所支付的现金”项目属于（　　）。
A.投资活动现金流
B.经营活动现金流
C.融资活动现金流
D.利润分配现金流

【答案】 C
69、资料：Workforce planning helps an organization to estimate its future workforce requirements and calculate the numbers, nature and sources of potential employees who might meet that demand.
A.because it enables the company to know its employees better
B.because it makes the company prepared for the potential challenges
C.because it gives the employees a chance to receive training
Dall above

【答案】 A
70、 （　　）是指对某项经济业务事项标明其应借应贷账户及金额的记录。
A.会计科目
B.会计账户
C.会计分录
D.复式记账

【答案】 C
71、商业银行等金融机构之间的债权债务须通过其在中央银行的存款账户进行清算，其账 户是（ ）。
A.临时存款账户
B.存款準备金账户
C.专用存款账户
D.特殊存款账户

【答案】 B
72、下列选项中，对古文化常识描述错误的是（ ）。
A.古称兄弟间的老大为“伯”，古代兄弟间以伯、仲、叔、季为排行顺序，古人常在字前加排行次序，如“伯离”、“仲尼”、“叔