2020-2025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

2020-2025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360题）
1、长江以南的广大丘陵地区，分布着一种在当地高温多雨下发育而成的土壤，叫（　　）这种土壤含铁、铝成分较多，有机质少，酸性强，土质黏重。
A.红土地
B.黑钙土
C.黄壤
D.棕壤

【答案】 A
2、以（　　）为主体形成的外汇供求，已成为决定市场汇率的主要力量。
A.各国中央银行
B.外汇银行
C.外汇经纪商
D.跨国公司

【答案】 B
3、汽车轮胎上的沟纹的主要作用是（　　）。
A.增加与地面的摩擦
B.排除雨水和泥水
C.增加车身的缓冲
D.保护内胎，防止刺破

【答案】 A
4、 票据贴现实付金额为( )。
A.汇票金额
B.贴现利息
C.汇票金额一贴现利息
D.以上答案均错误

【答案】 C
5、 对费用预算、经济合同的执行情况进行审查属于( )。
A.事前审计
B.事中审计
C.事后审计
D.内部审计

【答案】 B
6、 下列各产品中能够适用我国《产品质量法》的是（　　）。
A.甲自产自用的木椅
B.乙销售的木椅
C.丙自建自用的木屋
D.丁销售的木屋

【答案】 B
7、在我国利率市场化改革进程中，若银行提高储蓄利率，则银行的储蓄总额最终将（　　）。
A.减少
B.增加
C.维持不变
D.既可能增加，也有可能减少

【答案】 D
8、根据财务管理理论，企业在生产经营活动过程中客观存在的资金运动及其所体现的经济利益关系被称为（）。
A.企业财务管理
B.企业财务活动
C.企业财务关系
D.企业财务

【答案】 D
9、 审计技术的最近发展阶段是( )。
A.系统审计
B.风险基础审计
C.账项基础审计
D.详细审计

【答案】 B
10、资料：A man looking for art for his new home has won a $1 million Picasso painting with a $138 raffle ticket. Jeffrey Gonano told the Pittsburgh Tribune-Review he's not sure he'll ever hang the masterpiece in his home in Wexford, in western Pennsylvania, given its value. The 25-year-old Gonano, who works for his family's fire sprinkler business, learned Wednesday that his ticket had won the Paris raffle. Organizers say nearly 50,000 tickets were sold worldwide, for 100 euros apiece, to benefit a Lebanese charity.
A.Gonano will break up with Spatoro
B.Gonano will sell the Picasso Painting
C.Gonano will move to France
D.Gonano will put the painting on display

【答案】 D
11、商业银行不动用本身资金，为顾客提供的各类服务的业务是（　　）。
A.负债业务
B.证券业务
C.中间业务
D.同业拆借业务

【答案】 C
12、资料：Why is Salt Bad for You?
A.give up cigarettes and alcohol
B.reduce his food intake and salt consumption
C.give up alcohol and reduce his salt consumption
D.give up cigarettes and reduce his food intake

【答案】 B
13、下列句子排序最为连贯的一项是（　　）。
A.（5）（4）（2）（3）（1）
B.（4）（3）（5）（2）（1）
C.（4）（1）（3）（5）（2）
D.（4）（2）（5）（1）（3）

【答案】 C
14、属于典型的负外部性例子的是（ ）。
A.汽车尾气
B.海上灯塔
C.企业对资源的配置
D.义务教育

【答案】 A
15、商业银行客户信息管理“展业三原则”是指（　　）。
A.了解你的业务、了解你的客户、了解你的市场
B.了解你的渠道、了解你的客户、尽职调查
C.了解你的业务、了解你的市场、尽职调查
D.了解你的业务、了解你的客户、尽职调查

【答案】 D
16、Passage 2
A.Global temperatures affect the rate of economic development
B.Rates of death from illnesses have risen due to global warming
C.Malnutrition has caused serious health problems in poor countries
D.onomic trends have to do with population and natural disasters

【答案】 B
17、在民事权利中，自然人的人身自由，人格尊严受法律保护。自然人享有的权利不包括（　　）。
A.名称权
B.肖像权
C.荣誉权
D.名誉权

【答案】 A
18、下列说法中，不属于中央银行存款准备金政策优点的是（　　）。
A.中央银行具有完全的自主权
B.对货币供应量的作用迅速
C.作用猛烈，缺乏弹性
D.对松紧信用较公平

【答案】 C
19、 期末根据账簿记录．计算并记录出各账户的本甥发生额和期末余额．在会计上叫（ ）。
A.对账
B.结账
C.调账
D.查账

【答案】 B
20、资料：From: Peter Manx [e-mail]
A.Reasonable prices
B.Useful course content
C.Flexible arrangements
D.Well qualified teachers

【答案】 A
21、中国农业银行于2010年7月15日和16日正式在上海和香港两地上市，至此，中国四大国有商业银行全部实现上市，中国金融改革开始新的一页。
A.2010年8月18日
B.2009年1月1日
C.2009年8月18日
D.2010年7月1日

【答案】 A
22、资料：THOMAS WILSON
A.Medicine
B.high tech
C.healthcare
D.real estate

【答案】 A
23、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.Mr.Zimmer’s idea is that now we are at the critical moment in history, we should take decisive action whether taking the right path or not
B.Mr Zimmer thinks the introduction of the autonomous vehicles will not cause the unemployment and surely will increase the employment because such car drivers will be needed to provide service
C.The author has argued that although there are still some problems in Mr. Zimmer’s predication but the general direction of realizing self-driving cars will be correct
D.Mr.Zimmer provides some variable factors such as companies profits and leagal procedure problems in order to realize the massive transformation of self-driving cars in such a short of time

【答案】 B
24、在地球亿万年演化过程中形成的泥质滩涂，是大自然馈赠给人类的宝贵资源，具有不可替代的重要生态功能。看似“荒芜”的滩涂中栖息着许多尚未被认识的植物、动物和微生物，是珍贵的生物多样性基因库；作为连接陆地与海洋的过渡地带，滩涂具有净化水质、调节气候、调节气体等许多肉眼看不到的功能，维系着陆海物质循环和生态平衡。此外，滩涂还具有防御海浪冲刷、减缓盐水侵蚀等功能，是名副其实的陆地保护天然屏障。
A.泥质滩涂其实就是荒芜的滩涂
B.泥质滩涂具有重要的生态功能
C.人类对泥质滩涂的保护力度不够
D.泥质滩涂受破坏现象十分严重

【答案】 B
25、资料：Actually, any sale is a gift until you get paid. But exporters are especially concerned, since their buyers might be 10,000 miles away！
A.Descriptive Composition
B.Expositive Composition
C.Narrative Composition
D.Argumentative Composition

【答案】 B
26、要搜索用户所需要的文件或文件夹，又记不清完整文件名，可以使用“（　　）”通配符代替文件名中的一个字符，或者使用“（　　）”通配符代替文件名中的任意字符。
A.？；*
B.*；？
C.&；*
D.$；？

【答案】 A
27、阅读理解
A.a solid motionless object
B.certain characteristic vibrations in“ether”
C.a form fixed in space and time
D.a mass of atoms in motion

【答案】 D
28、Everybody showed great respect to the old doctor,who devoted everything he had to（　　）the poor conditions of the local hospital.
A.improving
B.improve
C.improved
D.being improved

【答案】 A
29、下列句子排序最为连贯的一项是（　　）。
A.（5）（4）（2）（3）（1）
B.（4）（3）（5）（2）（1）
C.（4）（1）（3）（5）（2）
D.（4）（2）（5）（1）（3）

【答案】 C
30、古希腊智者学派的出现，表明人类第一次意识到自己是自身所属社会的审判者，人有资 格、有力量，也有权利重新规范自己的生活，这是原始宗教和自然统治之下人类自我意识 的第一次觉醒，是西方人文精神的起源。这种理论是（ ）。
A.水是万物的本原
B.感觉即知识
C.人是万物的尺度
D.知识即美德

【答案】 C
31、Passage 6
A.Less Screening for More Safety
B.PreCheck–a Belated Solution
C.Getting Stuck in Security Lines
D.Underused PreCheck Lanes

【答案】 C
32、The differences ____the difficulty of understanding what is happening to the economy at present.
A.suggest
B.understate
C.criticize
D.underline

【答案】 D
33、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
34、How’s your tour around the North Lake Is it beautiful
A.will
B.would
C.should
D.Must

【答案】 C
35、在总线拓扑的网络中，每次可传输信号的设备数目为（　　）。
A.2个
B.3个
C.1个
D.任意个

【答案】 C
36、Prior（　　）his departure,he addressed a letter to his daughter.
A.to
B.of
C.in
D.from

【答案】 A
37、需求拉上型通货膨胀可以通俗地表述为（ ）。
A.太多的货币追求太多的商品
B.太多的货币追求太少的商品
C.太少的货币追求太多的商品
D.太少的货币追求太少的商品

【答案】 B
38、远期合约的最大功能是（　　）。
A.方便交易
B.增加收益
C.增加交易量
D.转嫁风险

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

【答案】 A
40、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.In developing countries, the gender discrimination in work field is spreading to more countries
B.Due to work restrictions, women cannot work in some tough industries
C.Women appreciate being treated as weaker sex in some countries so as to bear children
D.Lifting restrictions on a list of dangerous jobs can help to solve the problem of inequality in work

【答案】 B
41、资料：A man looking for art for his new home has won a $1 million Picasso painting with a $138 raffle ticket. Jeffrey Gonano told the Pittsburgh Tribune-Review he's not sure he'll ever hang the masterpiece in his home in Wexford, in western Pennsylvania, given its value. The 25-year-old Gonano, who works for his family's fire sprinkler business, learned Wednesday that his ticket had won the Paris raffle. Organizers say nearly 50,000 tickets were sold worldwide, for 100 euros apiece, to benefit a Lebanese charity.
A.He bought it for his new home
B.He received it from Picasso's family
C.He won the French lottery
D.He got it from a charity organization

【答案】 C
42、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.a difficulty that can be corrected by an operation
B.eyes that are not exactly the right shape
C.an eye difficulty that cannot be corrected by glasses
D.one eye bigger than the other

【答案】 B
43、They failed to pass the exam last time.I regretted（　　）.
A.to be not able to help
B.being unable to help
C.being able to helping
D.not be able to help

【答案】 B
44、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.Increase the amount of hop flower added
B.Find different varieties of hop flower and produce new flavors
C.Join Hopsteiner and other big hops companies
D.Change their labels frequently

【答案】 B
45、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
46、The orphanage is just one of her（　　）causes.
A.phonetic
B.philanthropic
C.prevalent
D.lunatic

【答案】 B
47、Of interest is also the question whether, and if so, how a technology marked by many as "revolutionary" can impact on established leaning and teaching in a context which appears to be______to change.
A.hesitant
B.reluctant
C.resistant
D.persistent

【答案】 C
48、资料：From:Gloria Richter
A.Gunther Schmidt is the new manager
B.Gloria Richter is very dissatisfied with the present condition
C.Gloria’s company currently underwent a restructuring
D.Gloria Richter used to work for Sanicorp

【答案】 B
49、下列机关中属于国家行政机关的是（ ）。
A.国家审判机关
B.司法行政机关
C.人民政协
D.企业人事部门

【答案】 B
50、The leaves have been swept into huge____.
A.pyramids
B.layers
C.heaps
D.loads

【答案】 C
51、Most of the time, we eat soft foods, so gradually our jaws stop growing to the full ______.
A.control
B.capacity
C.campaign
D.category

【答案】 B
52、资料：New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the world’s derivatives center, and Houston, the largest city in Texas, is home to America’s biggest energy firms and has spawned an active cluster of energy traders and hedge funds.
A.Financiers have long ago viewed the Europe as a single market
B.Europe has the highest degree of cross-border financial integration
C.the MiFID will make financial markets around the world more competitive
D.the MiFID will increase transparency within American financial mark

【答案】 B
53、某人是“80”后，今年他的年验不超过40，且年龄比出生年份各数字和还要大16，则他的出生年份不可能是（　　）。
A.1985
B.1980
C.1987
D.1982

【答案】 C
54、某班级组织春游，班干讨论后规定获得贫困助学金的同学交25元的活动费，其他同学交50元的活动费，班上共有60名同学，最后共收取春游费2700元，该班有（　　）名同学获得贫困助学金。
A.10
B.12
C.14
D.16

【答案】 B
55、1011BH是（　　）。
A.表示一个二进制数
B.表示一个十六进制数
C.表示一个十进制数
D.一个错误的表示

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

【答案】 C
57、积极开展网络融资服务。农业银行创新推出（　　）线上贷款产品，实现农户贷款线上申请、线上审批、线上发放、线上还款，全面提升农户贷款的覆盖面和办理效率。
A.助农e贷
B.轻松e贷
C.惠农e贷
D.全民e贷

【答案】 C
58、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
59、柯达公司是世界上著名的影像产品及相关服务的生产和供应商。面对市场技术的不断革新，柯达公司满足现状没有及时进行技术更新，直到2003年，柯达才宣布全面进军数码产业。最终柯达公司陷入退市困境，体现了管理学中的（　　）。
A.二八法则
B.长板法则
C.青蛙法则
D.木桶法则

【答案】 C
60、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 the companies respond to the negative press article slowly
B.because the companies fail to be in good relationships with the press
C.because the market is so grueling and they don't perform well
D.not mentioned

【答案】 A
61、Let's face it.Gardening fanatics like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize that fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.
A.To promote gardening in the city
B.To create jobs in the city
C.To bring the community closer together
D.To spruce up the look of the city

【答案】 D
62、关于国际收支，下列说法正确的是（　　）。
A.国际收支反映的内容是以货币记录的交易
B.一国的领事馆在所在国的消费不计入国际收支
C.国际收支记录的是一国居民间的交易
D.依据交易双方的国籍可以判定该项交易是否应包含在国际收支的范围内

【答案】 A
63、This ticket（　　）you to a free meal.
A.grants
B.entitles
C.credits
D.permits

【答案】 B
64、 Like no previous technology, mobile technology has spread______an unprecedented pace in the last few years.
A.at
B.in
C.on
D.with

【答案】 A
65、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
66、 反映企业在某一特定日期财务状况的会计报表是（ ）。
A.利润表
B.资产负债表
C.现金流量表
D.所有者权益变动表

【答案】 B
67、社会主义初级阶段基本路线的核心是（ ）。
A.以经济建设为中心
B.改革开放
C.四项基本原则
D.精神文明建设

【答案】 A
68、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
69、Renewable electricity generation is now on par with ______ of natural gas, which remained relatively stable in last years.
A.the one
B.which
C.