2019-2025年银行招聘之银行招聘综合知识题库检测试卷A卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识题库检测试卷A卷附答案

单选题（共600题）
1、—“Is there（　　）here?”
A.anybody
B.everybody
C.somebody
D.nobody

【答案】 B
2、为满足同一设备项目的融资需要，由政府贷款与出I21贷款共同组成的贷款，称之为（　　）。
A.银团贷款
B.混合贷款
C.直接贷款
D.间接贷款

【答案】 B
3、2020年1月5日，《庚子年》特种邮票首发仪式在（　　）举行，2020年是庚子鼠年，也是中国邮政发行生肖邮票（　　）周年，此次生肖邮票加入了邮票数字化内容。
A.北京；30
B.上海；40
C.上海；30
D.北京；40

【答案】 D
4、资料：To：Sherry Linton
A.A memo
B.A minutes
C.An announcement
D.A notice

【答案】 D
5、Dream is a story that a person watches or even takes part in during sleep.Dream events are imaginary,but they are related to real experiences and needs in the dreamer’s life.
A.Dream is a confusing story which involves little logic thought
B.Dream involves events that always happen in real life
C.Dream is related to the dreamer's real life
D.Dream is an imaginary story which seems real while taking place

【答案】 B
6、关于奥肯定律，下列说法正确的是（　　）
A.奥肯定律是由英国经济学家奥肯提出来的
B.奥肯定律衡量的是物价变动率和失业率之间的相关关系
C.当实际GDP增长相对于潜在GDP增长上升1%，失业率下降大约1%
D.当实际GDP增长相对于潜在GDP增长上升2%，失业率下降大约1%

【答案】 D
7、2021年春节期间，全国收费公路将继续免收小型客车通行费，具体免费时段从（　　）。
A.2月10日0时至17日24时
B.2月11日0时至17日24时
C.2月11日0时至18日24时
D.2月9日0时至17日24时

【答案】 B
8、国际分工产生与发展的基础是（　　）。
A.自然条件
B人口规模
C.资本的国际化
D.国家的出现

【答案】 A
9、资料：Star Airways, Mumbai's dominant airline for the past five years, has reported it is planning to replace its entire aircraft fleet with European-produced Skystream jets. Starting with an initial purchase of 90 jets, Star Airways expects the changeover to take a decade to complete. The new planes will enable the airline to expand its international routes as well as provide replacements for its aging fleet of jet planes. Star Airways and Skystream, in a joint announcement at the Brussels Air Show on Thursday, said that the order included seventeen of the new AWB85O aircraft. This will make Star Airways the first Indian carrier to fly the AWB850, an aim it has had since the powerful jets were first produced.
A.Seventeen years
B.Ten years
C.Five years
D.Three years

【答案】 B
10、Luckily,the bullet narrow missed the captain（　　）an inch.
A.by
B.at
C.to
D.from

【答案】 A
11、（　　）基金，股份相对固定，一般不向投资者增发新股或赎回旧股。
A.开放型
B.契约型
C.公司型
D.封闭型

【答案】 D
12、下列哪项权利属于公民基本权利中的政治权利和自由？（ )
A.言论自由
B.宗教信仰自由
C.批评建议权
D.平等权

【答案】 A
13、假设某银行体系：（1)原始存款总额为100万元；（2)法定准备金额为8%;(3)现金漏损率为10%;(4)超额准备金率为2%; (5)定期存款准备金率为4%;(6)定期存款总额为20万元。 根据上述材料，回答下列问题：
A.K=1/(r+h)
B.K = 1/(r+h+e)
C.K=1/(r+ h + e+t×S)
D.K= 1/(r+h+e×t+s)

【答案】 C
14、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为 2.5%。
A.分期付息到期还本债券
B.到期一次还本付息债券
C.分期还本到期一次付息债券
D.分期付息债券

【答案】 A
15、资料：With 55% of consumers' customer service interactions starting online and 63% of adults using their smartphone several times a month to seek customer service， your mobile customer service tactics are more important than ever.
A.Expectant
B.Letting the customers to do
C.Used to
D.Paying customs duties

【答案】 C
16、 生产者的法定免责事由不包括（　　）。
A.未将产品投入流通的
B.产品投入流通时，引起损害的缺陷尚不存在的
C.将产品投入流通时，当时的科技水平尚不能发现缺陷存在的
D.产品投入流通时，虽明知有缺陷，但无法避免的

【答案】 D
17、资料：Memo
A.At Wayland Books
B.At Greenhouse Publishing
C.At Senyth Publishers
D.At Brownback Guides

【答案】 B
18、 ( )就是取得或制造某项财产物资时所实际支付的现金或者其他等价物。
A.历史成本
B.公允价值
C.可变现净值
D.现值

【答案】 A
19、（　　）与资产业务、负债业务一起构成商业银行的三大业务。
A.中间业务
B.现金业务
C.证券投资业务
D.贷款业务

【答案】 A
20、______ the brain’s working is a tremendous challenge and, judging by the advance of current processor power and complexity, will take at least several decades more to reach even the most elementary levels.
A.Increasing
B.Imitating
C.Observing
D.Speculating

【答案】 B
21、资料：Dream is a story that a person watches or even takes part in during sleep. Dream events are imaginary, but they are related to real experiences and needs in the dreamer's life. They seem real while they are takingplace. Some dreams are pleasant, others are annoying, and still others are frightening. Everyone dreams, but some persons never recall dreaming. Others remember only a little about a dream they had just before awakening and nothing about earlier dreams. No one recalls all his dreams.
A.Dream involves events that always happen in real life

B.Dream is an imaginary story which seems real while taking place
C.Dream is related to the dreamer's real life
D.Dream is a confusing story which involves little logic thought

【答案】 A
22、 He appreciated ______ the chance to deliver his thesis in the annual symposium on Comparative Literature.
A.to have been given
B.to have given
C.having given
D.having been given

【答案】 D
23、Life magazine chose Oprah____the wife of the president as “America’s Most Powerful woman”.
A.above
B.over
C.beyond
D.beside

【答案】 B
24、计算机病毒是指（）。
A.带细菌的磁盘
B.已损坏的磁盘
C.具有破坏性的特制程序
D.被破坏的程序

【答案】 C
25、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.The project will only improve road in Tajikistan by three miles but it will do great help
B.Local people welcome the projects
C.The Asian Infrastructure Investment Bank can start the projects quickly with the finance of other institutions
D.The project in Bangladesh is also financed with other institutions

【答案】 D
26、夏天干旱甲、乙两家请人来挖井，阴天时，甲家挖井需要8天，乙家需要10天，晴天时，甲家工作效率下降40%，乙家工作效率下降20%，两家同时开工并同时挖好井，问甲家挖了几个晴天？（　　）
A.2天
B.8天
C.10天
D.12天

【答案】 C
27、资料：Early Experiences
A.streamlined interface
B.free of redundant functionality
C.Benefit the customers
D.Satisfy all the need of the customers

【答案】 D
28、已知某种商品的市场需求函数为D=30-P，市场供给函数为S=3P-10，如果对该厂商实行减税，则减税后的市场均衡价格（　　）。
A.等于10
B.小于10
C.大于10
D.小于或等于10

【答案】 B
29、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
30、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.
A.US market alone amounted to $291 billion last year
B.GBTA stands for travelers’ interest
C.US used to be largest single market in the industry
D.Global business travel is stagnant

【答案】 C
31、填入括号中最恰当的词语是（　　）。
A.演习多少

B.演练多少
C.演习稍微
D.演练稍微

【答案】 D
32、 下列提法中，表述正确的是（　　）。
A.政府审计是独立性最强的一种审计
B.财务报表的合法性是报表使用者最为关心的
C.注册会计师审计意见旨在提高财务报表的可信赖程度
D.内部审计是注册会计师审计的基础

【答案】 C
33、Dorothy was always speaking highly of her role in the play,_，of course,madethe others unhappy.
A.who
B.which
C.this
D.what

【答案】 B
34、Each man and woman must sign ______ full names before entering the examination room.
A.his
B.her
C.their
D.one’s

【答案】 C
35、目前，我国金融债券的发行主体是（ ）。
A.财政部
B.中国人民银行
C.商业银行
D.政策性银行

【答案】 D
36、We’ve spent so much on advertisements, but the results are not____.
A.satisfied

B.satisfying
C.satisfy
D.satisfactorily

【答案】 B
37、The cleaner has just left,leaving an aerosol’s delightful aroma floating in the air.You ______ deeply,enjoying the sweet fragrance.
A.exert
B.inhale
C.exhale
D.inert

【答案】 B
38、关于商业银行理财业务的特点，下列表述不正确的是（　　）。
A.银行是理财业务风险的主要承担者
B.银行理财业务是“轻资本”业务
C.理财业务是一项金融知识技术密集型业务
D.商业银行理财业务运作的不是银行自有资金，而是客户委托资金

【答案】 A
39、资料：The personal computer was a revolution in information technology that spawned a $50 billion hardware business, with another $30 billion in software and peripherals （eg. mouse, keyboard, printer, etc.） by 1991. During its short 15 years, the industry evolved through three successive periods. During its first 5 to 6 years, it was characterized by explosive growth and multiple, small competitors vying for a piece of the market. From 1981 to 1985, the industry became a battle for standards and retail shelf space. The third era was one of increasing fragmentation. From 1986 through 1991-1992, new manufacturers from around the world grabbed from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed.
A.The small companies experienced a harsh life
B.People preferred PCs of big brands
C.The big companies didn’t earn as much as they did in the past two periods
D.The companies made standards on the configuration

【答案】 C
40、Consequently，a sustainable business model can______companies to better adapt to complex environments and achieve sustainable competitive advantages。
A.render
B.enable
C.cause
D.ensure

【答案】 B
41、资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
A.Lower-income children experienced lose in math over the summer
B.Middle-class children gained in learning over the summer
C.Lower-income children gained in math over the summer
D.Middle-class children suffered lose in math over the summer

【答案】 B
42、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers don’t necessarily fall into the category of “toxic,”but they’re just kind of a drag with their cynical, pessimistic worldview.If you ‘re dealing with a negative employee,here are 3 steps to take.
A.Help solve the workplace disputes for the negative employee
B.Put the negative employee in a suitable working position
C.Have the negative employee’s colleagues to avoid arguments with him/her
D.Support the negative employee to go through challengses outside the office

【答案】 C
43、总分类账与明细分类账平行登记四要点中的“依据相同”是指（ ）。
A.总分类账要根据明细分类账进行登记
B.明细分类账要根据总分类账进行登记
C.根据同一会计凭证进行登记
D.由同一人员进行登记

【答案】 C
44、根据《巴塞尔协议》的规定，以下属于商业银行核心资本的是（ )。
A.中期优先股
B.损失准备
C.附属机构的少数股东权益
D.可转换债券

【答案】 C
45、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
46、某银行的核心资本为100亿元人民币，附属资本为50亿元人民币，风险加权资产为1500亿元人民币，则其资本充足率为（　　）
A.10.0％
B.8.0％
C.6.7％
D.3.3％

【答案】 A
47、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
48、商业银行新的业务运营模式的核心是（ ）。
A.督导责任制
B.设综合窗口
C.前后台分离
D.全方位立体化

【答案】 C
49、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.The growing national economy
B.The tax collections from the non-poor classes
C.More choices of selectable job vacancies
D.Goverrnment’s investments on the poor to improve their working skills

【答案】 B
50、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
51、德鲁克认为，建立管理结构时必须满足三个条件。下列不属于他所说的条件的是（　　）。
A.管理结构在组织上必须以绩效为目标
B.组织结构必须尽可能包含最少的管理层级
C.组织结构必须能培育和检验未来的高层管理者，设计最便捷的指挥链
D.组织结构必须考虑环境因素的影响

【答案】 D
52、资料：Britain is facing a “crisis of fatherlessness” in which almost half of all children born today will not be living with both parents by the time they are 15, the new chief executive of the thinktank founded by Iain Duncan Smith has warned.
A.preferential policies for the poorer children
B.more comprehensive research into its causes
C.headteachers good at inspiring talented children
D.solutions to the conflict in the education sector

【答案】 C
53、三废（废气、废水、废渣），对社会产生的效应属于（　　）。
A.消费的正外部性
B.生产的正外部性
C.生产的负外部性
D.消费的负外部性

【答案】 C
54、通常我们讲的国际间的货币可兑换指的是（　　）。
A.经常项目可兑换
B.资本项目可兑换
C.金融项目可兑换
D.平衡账户可兑换

【答案】 A
55、The left wing party wants to keep these two actions ________.
A.combination
B.combining
C.combined
D.combine

【答案】 C
56、资料：Italy's next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）
A.uneasy
B.awkward
C.furious
D.indifferent

【答案】 A
57、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
58、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
59、在安索夫产品／市场矩阵中，（　　）即市场渗透。
A.现有市场——新产品
B.新市场——新产品
C.现有市场——现有产品
D.新市场——现有产品

【答案】 C
60、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
61、Mum,would you please buy me an ipad
A.would
B.shall
C.may
D.must

【答案】 B
62、The river is already ___its banks because of the excessive rainfall;and the city is threatened with a likely flood.
A.parallel to
B.level in
C.flat on
D.flush with

【答案】 D
63、 He had ________speak ______ the audience interrupted him.
A.had started to ... when
B.hardly begun to ... before
C.nearly going to... than
D.just about to... that

【答案】 B
64、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 20