2019-2025年银行招聘之银行招聘综合知识综合检测试卷A卷含答案.docx

2019-2025年银行招聘之银行招聘综合知识综合检测试卷A卷含答案

单选题（共600题）
1、Passage 5
A.half of the are a will follow a wetter trend,while half a drier trend
B.the scientists in North Africa hold different opinions climate models
C.it is not easy to predict how the climate change influences the district
D.There are different climate models to be built in North Africa

【答案】 C
2、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.You may have to pay penalties
B.You will fail to realize your goals
C.Your retirement savings will become off-limits
D.You should save money for your retirement all over again

【答案】 B
3、金融风险的高杠杆性表现为（ ）。
A.金融机构的资产负债率低
B.金融机构的注册资本金要求高
C.金融体系的风险传染快
D.衍生金融工具以小搏大

【答案】 D
4、亚当*斯密的公平理论中公平比较对象不包括（ )
A.自我——内部
B.自我——外部
C.别人——内部
D.内部——外部

【答案】 D
5、But at the same time, 77 percent of moms and dads____that the Web is crucial to learning,and an overwhelming 91 percent admit that it helps their kids explore things they're passionate about.
A.recognize
B.announce
C.distinguish
D.assert

【答案】 A
6、资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.
A.falling
B.pushing
Ckeeping
D.changing

【答案】 A
7、人民银行规定的贷记卡透支年利率是（　　）。
A.10%
B.15%
C.18%
D.20%

【答案】 C
8、A ____________of the subject's structure and its relationship to other subjects should be acquired before the literature is approached.
A.grip
B.grasp
C.grab
D.snatch

【答案】 B
9、 ( )要求企业提供的会计信息应当反映与企业财务状况、经营成果和现金流量有关的所有重要交易或者事项。
A.相关性
B.及时性
C.重要性
D.可比性

【答案】 C
10、资料：“Our cars are for people who want something different.”
A.Customers’ distrust of products
B.A financial loss
C.Unhappy workers
D.Loss on sales and market share

【答案】 A
11、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.Alibaba’s new business strategy
B.Alibaba’s Alipay and Taobao marketplace expand into Australia
C.Alibaba’s acquisition of Australian local companies
D.The introduction of Alibaba

【答案】 B
12、阅读理解
A.try to rid himself of his world of illusion
B.accept his words as being one of illusion
C.apply the scientific method
D.learn to acknowledge both

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

【答案】 D
14、债券本期收益率的计算公式是（ ）。
A.票面收益/市场价格
B.票面收益/债券面值
C.（出售价格－购买价格）/市场价格
D出售价格－购买价格）/债券面值

【答案】 A
15、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
16、The teaching building was named______the person who donated money for it.
A.with
B.after
C.by
D.from

【答案】 B
17、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
18、下面属于非票据结算的是（ ）。
A.汇兑结算
B.汇票结算
C.本票结算
D.支票结算

【答案】 A
19、 Nowhere are the realities of______climate change more apparent than at Earth's thawing poles.
A.human-driving
B.human-drive
C.human-driven
D.human-drived

【答案】 C
20、 所有者权益是企业投资人对企业净资产的要求权，在数量上所有者权益等于（　　）。
A.全部资产扣除流动负债
B.全部资产扣除长期负债
C.全部资产加上流动负债
D.全部资产扣除全部负债

【答案】 D
21、按照《劳动合同法》的有关规定，企业进行经济性裁员时，应当优先留用的劳动者中不包括（　　）。
A.与本单位订立无固定期限劳动合同的
B.与本单位订立较长期限的固定期限劳动合同的
C.因公负伤在规定的医疗期满后还不能从事原工作的
D.家庭无其他就业人员，有需要扶养的老人或者未成年人的

【答案】 C
22、金融市场客体不包括（　　）。
A.新浪大数据100指数

B.中西
C.国债
D.上证50ETF

【答案】 B
23、Mr.Lee is too weak to（　　）his business.
A.do with
B.do without
C.do away with
D.do up

【答案】 A
24、The unpleasant memory of the despairing shriek of the princess at the trial（ ）in my mind for days．
A.prolonged
B.insisted
C.rested
D.lingered

答案】 D
25、我国农村信用社改革采取成立（ ）三种模式。
A.村镇银行、农村合作银行、以县市为单位统一法人
B.农村商业银行、贷款公司、农村合作基金会
C.农村合作银行、农村商业银行、小额贷款公司
D.农村合作银行、农村商业银行、以县市为单位统一法人

【答案】 D
26、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.The bank has greater power than other banks
B.The bank contributes a lot to the development of London
C.The bank uses its history more creatively
D.The bank has a different business model than other firms

【答案】 C
27、下列数据整理和显示方法中，取值不可能大于1的是（　　）。
A.比例
B.比率
C.频数
D.累积频数

【答案】 A
28、( )的指标越高，则流动性越差。
A.资产流动性比例
B.备付金比例
C.中长期贷款比例
D.国债占总资产比例

【答案】 C
29、Responsible parents should show____love to their children and make them grow healthily.
A.unrestricted
B.unreserved
C.unconditional
D.unlimited

【答案】 B
30、资料：It's almost considered sacrilegious today to leave work at the end of your workday or（for shamel）on a Friday and simply not check your email until you return the office during normal working hours.
A.It’s shame if you check your email all the time
B.The employees are willing to leave work at the end day of the workday
C.The employees are expected to answer emails although it's not working time
D.Work email is the essential part in worker’s daily life

【答案】 C
31、陕西未来将进一步加强交通基础设施建设，力争实现通村公路覆盖全部自然村。关于高速公路和通村公路，以下说法中正确的是（　　）。
A.均不属于公共产品，不具备非竞争性
B.均属于公共产品，具备非排他性
C.高速公路不属于公共产品，不具备非竞争性和非排他性
D.通村公路不属于公共产品，不具备非竞争性和非排他性

【答案】 B
32、在银行表外业务中，下列属于金融衍生交易类业务的是（　　）。
A.备用信用证业务
B.承兑业务
C.利率期权业务
D.保函业务

【答案】 C
33、需求量和价格之所以呈反方向变化，是因为（　　）。
A.替代效应和收入效应同时作用
B.替代效应
C.补偿效应
D.收入效应

【答案】 A
34、Are you going on a picnic this weekend or ______weekend?
A.the next
B.later
C.next
D.the later

【答案】 C
35、企业溢价发行股票时，超过股票面值的部分计入（　　）。
A.盈余公积
B.实收资本
C.资本公积
D.留存收益

【答案】 C
36、MUN, which ___ Model United Nations, is a conference that provides students all over the world with the opportunity to experience what it’s like to be in the United Nations.
A.stand by
B.stands for
C.stand up
D.stand out

【答案】 B
37、下面二十四节气中，不属于夏季（以立夏为开始，立秋为结束）的是（　　）
A.夏至
B.处暑
C.芒种
D.小满

【答案】 B
38、系统软件的功能是（ ）。
A.充分发挥硬件资源的效益，为用户使用计算机提供方便
B.解决输入输出的问题
C.清除病毒，维护计算机系统正常运行
D.用于程序设计

【答案】 A
39、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.Talented but lazy
B.Rich but mean
C.Optimistic and generous
D.Hard-working and plain-living

【答案】 D
40、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
41、资料：When a consumer finds that an item she or he bought is faulty or in some other way does not live up to the manufacturer's claims， the first step is to present the warranty， or any other records which might help. at the store of purchase. In most cases，this action will produce results. However， if it does not， there are various means the consumer may use to gain satisfaction A simple and common method used by many consumers is to complain directly to the store manager. In general， the “higher up” his or her complaint， the faster he or she can expect it to be settled. In such a case， it is usually settled in the consumer's favor， assuming he or she has a just claim.
A.Demonstrate the problem specifically
B.Do it politely but firmly
C.Do it in person
D.Make general statements first

【答案】 D
42、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 the hypothetical 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
43、资料：packing tips
A.Rush out to the baggage carousel
B.Use a grey suitcase
C.Head to the Lost & Found
D.Mark with a brightly colored string

【答案】 D
44、商业利润的来源是（　　）。
A.生产过程在流通中继续所创造的价值
B.产业工人创造的剩余价值
C.流通中发生的价值增值
D.流通领域中商品买和卖的差额

【答案】 B
45、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.eating food on a daily basis
B.often eating the improper foods
C.biochemical reactions in your body

D.starting to eat the right foods

【答案】 C
46、资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June 27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.
A.The innovative potential of clinical operations is yet to be realized
B.Collaborative care should be viewed from a strategic perspective
C.Clinical operations shouldn’t conform to postmodern societal model
D.None of the above

【答案】 B
47、The world economy develops rapidly. As a result, longevity and life ______ have increased worldwide.
A.expected
B.expectation
C.expecting
D.expectancy

【答案】 D
48、资料：The soybean prices ended higher this Monday as traders expect supplies to remain tight.
A.It’s not worth noticing
B.It will rise 15 percent
C.It’s still uncertain
D.It will be razor-thin

【答案】 D
49、The mobility of cell phones means you can be anywhere and have the____or should I say the convenience, of a phone.
A.must
B.accompaniment
C.conclusion
D.necessity

【答案】 D
50、Most of us entirely value human life，____________ some people think of animals as being equally important.
A.and
B.or
C.but
D.unless

【答案】 C
51、资料：（二）
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
52、 甲公司2011年3月1日开始自行开发成本管理软件．在研究阶段发生材料费用30万元，开发阶段发生开发人员工资130万元，福利费30万元，支付租金45万元。开发阶段的支出满足资本化条件。2011年3月16日，甲公司自行开发成功该成本管理软件，并依法申请了专利，支付注册费1．5万元，律师费2．8万元，甲公司2011年3月20日为向社会展示其成本管理软件，特举办了大型宣传活动，支付费用50万元，则甲公司该项无形资产的入账价值应为（　　）万元。
A.209.3
B.239.3
C.204.3
D.259.3

【答案】 A
53、（）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
54、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？
A.增加线上沟通会减少青少年与朋友的距离感
B.移动世界的体验与实际生活中的体验是相同的
C.青少年沉浸于数字世界之后很少参加线下活动
D.青少年可以通过移动设备在线上交到更多的好朋友

【答案】 C
55、某企业对以外币结算的款项减少业务的核算，以前都按原入账时的汇率作为账面汇率，但 从本年初起，经董事会同意，改按加权平均法并已在会计报告中加以说明。对于上述会计 方法的重要变动，如企业不再作出任何调整，注册会计师应出具（ ）。
A.无保留意见审计报告
B.保留意见审计报告
C.否定意见审计报告
D.无法表示意见审计报告

【答案】 A
56、国家通过调节利率高低可以影响经济活动。一般认为，利息增加带来的经济影响是（　　）。
A.刺激需求，生产扩大，经济活动水平上升
B.货币供给增加，将引起适度的通货膨胀
C.货币供给减少，对生产的影响不能确定
D.抑制需求，缓解通货膨胀

【答案】 D
57、2013年3月16日，我国目前正在建设的最长高瓦斯隧道——兰州至重庆铁路客运专线（ ）隧道，经过中茵铁建十八局集团建设者三年多施工正式贯通，标志着制约兰渝铁路全线铺轨工期的难点按期突破。
A.梅岭关
B.南岭关
C.上下关
D.天涧关

【答案】 A
58、根据巴尼的观点，组织中的人力资源之所以能够成为企业优势资源，是因为（　　）。
A.人力资源具有边际报酬递减性
B.人力资源可以被其他资源代替
C.高能力的劳动者是稀有资源
D.优秀企业的人力资源管理很容易被模仿

【答案】 C
59、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Third parties will have to buy fraud insurance
B.Regulators have come up with promising solutions
C.Banks' defense against cyber attacks is strong
D.Third parties will check clients' data monthly

【答案】 B
60、销毁文件的范围包括（ ）。
A.立卷归档的文件
B.绝密文件
C.无留存价值的文件
D.紧急性质的文件

【答案】 C
61、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 rights of EU’s citizens will be protected in Britain after the divorce
B.Britain would be willing to continue to fulfill the commitment they have made during the period of membership
C.A good trade relation between Britain and the EU is in line with the interests of both sides
D.Britain will provide 20 billion euros to EU during the transition period

【答案】 D
62、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.how technological development over a few centuries developed
B.how the plans，prototypes and models of electric hybrid developed
C.how to trace family tree is much the same way astracing electric hybrid
D.why humanity’s evolutionary progression is even more difficult

【答案】 D
63、昼为阳，夜为阴，则上午为（ ）。
A.阳中之阴
B.阳中之阳
C.辰
D.阴中之阳

【答案】 B
64、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
65、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市场上交易证券的金融机构

【答案】 A
66、金融市场按交易性质可划分为( )。
A.发行市场和流通市场
B.国际金融市场和国内金融市场
C.有形金融市场和无形金融市场
D.拆借市场和贴现市场

【答案】 A
67、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Challenges facing European regulators
B.A new regulation in Europe that opens banks to competition
C.The solutions to the flawed banking system in Europe
D.A looming threat