2019-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析.docx

2019-2025年银行招聘之银行招聘综合知识通关考试题库带答案解析

单选题（共1000题）
1、Passage 4
A.critic
B.indifferent
C.partial
D.positive

【答案】 D
2、 在下列有关账项核对中，不属于账账核对的内容是（　　）。
A.银行存款日记账余额与其总账余额的核对
B.银行存款日记余额与银行对账单余额的核对
C.总账账户借方发生额合计数与明细借方发生额合计数的核对
D.总账账户贷方发生额合计数与明细贷方发生额合计数的核对

【答案】 B
3、布雷顿森林体系中的“双挂钩”是指（　　）。
A.美元和其他国家同时与黄金挂钩
B.美元与黄金挂钩，黄金与其他各国货币挂钩
C.美元与黄金挂钩，其他国家货币与美元挂钩
D.其他国家货币与黄金挂钩，美元与其他国家货币挂钩

【答案】 C
4、某单位组织130名员工去参观自然博物馆，某运输公司有两种车辆可供选择：
A.525
B.530
C.545
D.585

【答案】 A
5、Last month, the unemployment rate increased by ________ of a percent to nine point seven percent.
A.twos-tenths
B.two-ten
C.two-tenths
D.one-tenths

【答案】 C
6、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.凯恩斯定律
B.蒙代尔定律
C.奥肯定律
D.纳什定律

【答案】 C
7、资料：THOMAS WILSON
A.business data processing
B.software applications
C.advanced accounting
D.business law

【答案】 C
8、I hear many parents saying that their teenage children are rebellion.I wish it were so.At your age you ought to be growing away from your parents.You should be learning to stand on your own two feet.But take a good look at the present rebellion.It seems that teenagers are all taking the same way of showing that they degree with their parents.Instead of striking out bravely on their own,most of them are trying to seize at one another’s hands for safety.
A.become different from others in as many ways as possible
B.find one’s real self
C.get into the right reason and become popular
D.rebel against parents

【答案】 B
9、经过对账，如果开户单位账面余额与银行分户账余额不符，可通过（　　）核对出差额，进行查对。
A.调节表
B.余额调节表
C.未达账项调节表
D.银行对账单

【答案】 B
10、资料：When we see well，we do not think about our eyes very often. It is only when we cannot see perfectly that we realize how important our eyes are.
A.feel pain
B.imagine
C.are affected with
D.experience

【答案】 A
11、下列说法不正确的是（ ）。
A.舞低杨柳楼心月——柳永
B.两情若是久长时——秦观
C.此情无计可消除——李清照
D.可惜流年忧愁风雨——辛弃疾

【答案】 A
12、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.20
B.40
C.60
D.80

【答案】 B
13、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.Discuss the advantage of technology
B.Advertising business software
C.Teach business owners how to stay competitive
D.Teach business owners how to manage emails and calendars

【答案】 C
14、银行同业拆借以( ）拆借为主。
A.6个月
B.4个月
C.隔月头寸
D.隔夜头寸

【答案】 D
15、下列期货产品中，不属于金融期货的是（　　）。
A.货币期货
B.股指期货
C.利率期货
D.黄金期货

【答案】 D
16、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
17、资料：From:prorno@
A.Instructions for entering a competition
B.chance to try a new product
C.An apology for an error
D.Thanks for completing a customer survey

【答案】 B
18、资料：Even as rich countries seek to rid workplaces of subtle gender bias, in many developing ones discrimination remains overt. According to the World Bank, women are barred from certain jobs in 104 countries.（1）
A.Some jobs are too dangerous for women
B.Men are hunting higher paid jobs in other places
C.In specific areas women are paid higher than men
D.Women have the choice of not bearing children

【答案】 B
19、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.He is the sole author of “Authenticity”
B.He encourages firms to look for typical events from archives
C.He loves the cobalt-blue glassed of Ritz-Carlton hotel very much
D.He also believes that younger firms can use history as well

【答案】 B
20、资料：之后，经济学家Mr.U与你讨论了一些潜在的问题，请根据下列资料回答问题。
A.An act or result of turning over
B.The aggregate of worker replacements
C.The total amount of business done in a given time
D.change from one position to another

【答案】 C
21、阅读理解
A.scientific reality
B.a symbolic existence
C.the viewer's experience
D.reality colored by emotion

【答案】 A
22、 The United States will do that which is necessary to meet its ______ to its own citizens.
A.rules
B.promise
C.principles
D.obligations

【答案】 D
23、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.can help towards overcoming this problem about the ratio of debt to income
B.may lead Germany's importance as Europe’s largest export market to decline
C.may bring some relief to other members of the European Exchange Rate Mechanism
D.None of above

【答案】 D
24、2021年1月20日00时25分，我国在西昌卫星发射中心用（　　）运载火箭，成功将天通一号03星发射升空。
A.长征五号乙
B.长征三号甲
C.长征四号乙
D.长征三号乙

【答案】 D
25、Global warming is causing more than 300,000 deaths and about$125 billion in economic losses each year,according to a report by the Global Humanitarian Forum,an organization led by Annan,the former United Nations secretary general.
A.Its statistics look embarrassing
B.It is invalid in terms of methodology
C.It deserves our closest attention
D.Its conclusion is purposely exaggerated

【答案】 B
26、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.35 million
B.45 million
C.780 million
D.80 million

【答案】 A
27、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?
A.deficit
B.surpluses
C.decline
D.recession

【答案】 A
28、资料：Zhang Qiaoli uses her spare bedroom for storing her stock of ladies’ fashion-wear and photo shoots. She is one of more than five million small online stores operating across China, some from small apartments or even college dormitories. She buys dresses and accessories wholesale; at prices under $5, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.
A.defeat
B.lose
C.step
D.damage

【答案】 A
29、下列离散程度的测度值中，能够消除变量值水平和计量单位对测度值影响的是（　　）。
A.标准差
B.离散系数
C.方差
D.极差

【答案】 B
30、下列用于判断收入分配公平程度的经济指标是（　　）。
A.赤字率
B.基尼系数
C.恩格尔系数
D.生产者物价指数

【答案】 B
31、资料：THOMAS WILSON
A.update
B.fix
C.innovate
D.furnish

【答案】 B
32、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financial news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.
A.dull
B.vacant
C.arid
D.humors

【答案】 A
33、国务院办公厅日前印发（　　）。进一步落实全国中医药大会部署，遵循中医药发展规律，认真总结中医药防治新冠肺炎经验做法，破解存在的问题，更好发挥中医药特色和比较优势，推动中医药和西医药相互补充、协调发展。
A.《关于加快中医药产业发展的若干政策措施》
B.《关于加快中医药事业发展的若干政策措施》
C.《关于加快中医药特色发展的若干政策措施》
D.《关于加快中医药传承发展的若干政策措施》

【答案】 C
34、In 2008 inflation was running _________about 4 percent; in 2009 it was 4.5 percent.
A.to
B.of
C.on
D.at

【答案】 D
35、资料：The federal government on Wednesday recommended an endangered-species listing for the loggerhead turtles in U.S. Waters, a decision that could lead to tighter restrictions on fishing and other maritime trades.Environmental groups who’ d been pushing an endangered listing said the proposal was a “turning point”they hope will lead to greater turtle protections.
A.Contamination of sea water
B.The inadequate food supply
C.Their lower reproductive ability
D.Unregulated commercial fishing

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

【答案】 A
37、 下列各项属于长期负债的有（　　）。
A.应收账款
B.应付账款
C.其他应付款
D.应付债券

【答案】 D
38、If your application ______ submitted before the deadline, you would have gotten the offer.
A.be
B.is
C.had been
D.will be

【答案】 C
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.the examples of logos which are emotive and can inspire loyalty
B.the examples of giving people idea of the products by using the images
C.the examples of logos which fit in with contemporary design
D.None of above

【答案】 A
40、 由于（　　）的存在，才产生了本期和其他期间的差异，从而出现了权责发生制和收付实现制。
A.持续经营
B.会计主体
C.会计分期
D.货币计量

【答案】 C
41、关于法定利率与市场利率关系的说法。错误的是（　　）。
A.法定利率对市场利率有重要的影响
B.市场利率随法定利率的变化而变化
C.市场利率与法定利率变化完全一致
D.市场利率是确定法定利率的重要依据

【答案】 C
42、观察数列的变化规律，然后为空缺处选出正确的数：87、152、265、132、43、（　　）。
A.65
B.74
C.83
D.91

【答案】 A
43、资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
A.How to find a good financial professional
B.The importance of retirement plans
C.The scary facts about retirement
D.How to make correct retirement plans

【答案】 D
44、国家统计局18日公布，2020年，我国国内生产总值（GDP）首次突破（　　）大关，达101.5986万亿元，同比增长2.3%。
A.60万亿元
B.50万亿元
C.100万亿元
D.80万亿元

【答案】 C
45、当利率下降，对消费者的影响是（　　）。
A.刺激消费，减少储蓄
B.刺激消费，刺激储蓄
C.抑制消费，抑制储蓄
D.抑制消费，刺激储蓄

【答案】 A
46、提出“师夷长技以制夷”主张的是（　　）。
A.林则徐
B.魏源
C.左宗棠
D.曾国藩

【答案】 B
47、央行开展MLF操作释放5000亿元人民币，该国法定存款准备金率为20%，商业银行系统平均超额存款准备金率为5%，国民平均通货存款持有习惯是1:4，则该国货币供应量新增（　　）。
A.12500
B.10000
C.9000
D.13000

【答案】 A
48、We can give____depending on the model number.
A.account
B.discipline
C.discount

D.disconnect

【答案】 C
49、资料：As more personal business is conducted through smartphone devices , more users are implementing security measures for their devices, according to a recent survey by Harris Poll and commissioned by the CTIA.
A.had built in security and end-to-end encryption
B.included the CTIA feature in their products
C.were faced with negative consumer attitudes
D.cooperated with FBI to guarantee the securety

【答案】 B
50、下列有关商业银行办理业务的规定正确的是（　　）。
A.商业银行可以任意提高利率来吸收存款
B.商业银行办理结算业务根据需要可以压单
C.商业银行办理业务不能收取手续费
D.商业银行不得在没有客户办理业务的时候自行缩短营业时间

【答案】 D
51、The owl is a ____ bird which kills its prey with its claws.
A.aglow
B.predatory
C.cursory
D.petulant

【答案】 B
52、平均利润率的形成是（　　）。
A.无数资本家追逐超额利润的结果
B.同一部门资本家之间竞争的结果
C.资本有机构成平均化的结果
D.不同部门的资本家之间竞争的结果

【答案】 D
53、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.The Age of Advanced Technology
B.How to be a Good Business Owner
C.Using Technology to Stay Competitive
D.The Convenience of Technology

【答案】 C
54、填入括号中最恰当的一项是（　　）。
A.发表，独树一帜
B.抒发，独出心裁
C.发表，别具一格
D.抒发，别有用心

【答案】 B
55、研究者通过对300名小学生长达20年的观察，发现被夸聪明的孩子更容易半途而废、自信心不足和胆小怕事。后来，研究者在重复实验中加入了社会不同阶层的被试者，都发现了相同的结果。因此，研究者认为经常被表扬会带来许多负面效应。
A.表扬不一定都能起到积极效果，效果会因表扬的具体内容不同而不同
B.另一项关于表扬的调查研究显示，被表扬的女性变得更胆小怕事
C.另一项关于表扬的调查研究显示，积极表扬的被试组和无表扬的被试组在学习成绩的差异并不显著
D.另一项关于表扬的调查研究显示，表扬对智商较高的男性影响最大，他们中的大部分在“失败反应”的测试中都崩溃了

【答案】 B
56、在单一客户授信限额管理中，商业银行对客户进行信用评级后，首要工作是确定客户的（　　）。
A.最低债务承受额
B.最高债务承受额
C.平均债务承受额
D.一般债务承受额

【答案】 B
57、She often has difficulty expressing her needs, desires and______.
A.preparations
B.presences
C.presentations
D.preferences

【答案】 D
58、下列属于道家思想的是（　　）。
A.尽其心者，知其性也，知其性则知天矣
B.为无为，事无事，味无味
C.以子之矛，攻子之盾
D.食必常饱，然后求美；衣必常暖，然后求丽；居必常安，然后求乐

【答案】 B
59、Nabhi Verma ,who holds degrees in both architecture and engineering, has a range of technical abilities ____ that.
A.too much
B.beyond
C.even more
D.moreover

【答案】 B
60、资料：To：Sherry Linton
A.Getting the approval from the Manchester office
B.Passing the order to Christine Hantke
C.Using the petty cash account
D.Completing a purchase order

【答案】 C
61、下列选项中2008年1月1日起实施的《全国年节及纪念日放假办法》新增加的国家法定节日不包括（ ）。
A.重阳节
B.清明节
C.中秋节
D.端午节

【答案】 A
62、资料：Anything that affects the smooth flow of information is known as noise. This might be, for example, the language used,an in appropriate use of technology or the different levels of skill and knowledge of the sender and receiver. For example, every day in the press and on TV, consumers are bombarded with often confusing or contradictory information about the health benefits or risks associated with different foods. Consumers may not have enough understanding or information to judge between conflicting messages. It is therefore not surprising that many people do not hear these messages and switch off.
A.because they may not have enough understanding or information
B.because the messages are spread on newspapers
C.because they care more about health risks associated with different foods
D.not mentioned

【答案】 A
63、箱子中红黄蓝黑四种颜色的小球，数量分别是20颗、16颗、14颗和10颗，现在从箱子里一次性取出若干小球，且保证有14小球的颜色相等，则至少要取出（　　）颗。
A.53
B.50
C.49
D.52

【答案】 B
64、不属于货币市场工具特点的是（　　）。
A.期限较短
B.风险较低
C.普遍存在担保
D.流动性高

【答案】 C
65、国务院扶贫办消息，改革开放40年来，中国有（　　）多贫困人口成功脱贫，占同期全球减贫人口总数（　　）以上。
A.5亿60%
B.6亿60%
C.7亿60%
D.7亿70%

【答案】 D
66、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
67、大额可转让定期存单最早产生于美国。美国的《Q条例》规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20世纪60年代，美国市场利率上涨，高于《Q条例》规 定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。
A.收益风险高
B.流动性差
C.容易造成通货膨胀
D.收益率低

【答案】 B
68、揭示事物发展具有前进性和曲折性相统一的规律是（ ）。
A.联系和发展的规律
B.对立统一规律
C.质量互变规律
D.否定之否定规律

【答案】 D
69、Paper straws might be a hard sell for boba tea shops，but the sudden demand for them is only increasing as plastic straw bans______。
A.multiply
B.occupy
C.divide
D.apply

【答案】 A
70、There is a note pinned to the door（　　）when the shop will open again.
A.saying
B.says
C.said
D.having said

【答案】 A
71、利率市场化是市场主体自行决定利率的过程，任何单一市场主体都不能单方面决定利率，那么，在这种制度下，利率的变动将（　　）。
A.随市场资金供求状况而变化
B.随中央银行的基准利率变化而变化
C.随市场货币流动性大小而变化
D.随货币的汇率变动而变化

【答案】 A
72、Now that your plan seems to fail to work,you ought to make a（n） ____one as soon as possible.
A.alert
B.alarm
C.alter
D.alternative

【答案】 D
73、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.translation