2026年备考银行招聘之银行招聘综合知识通关提分题库(考点梳理).docx

2026年备考银行招聘之银行招聘综合知识通关提分题库(考点梳理)

单选题（共150题）
1、银行存款余额调节表中调节后余额不相等，说明企业或银行账面记录（ ）。
A.肯定有错误
B.肯定没有错误
C.一般有错误
D.—般没有错误

【答案】 C
2、央行中期借贷便利（MLF）和央行逆回购性质上属于（　　）。
A.中央银行再贷款
B.常备借贷便利操作
C.利率政策
D.公开市场业务操作

【答案】 D
3、货币在（ ）时，执行国际财富转移手段职能。
A.支付国际贸易差额
B.购买外国商品
C.支付外国劳务费用
D.对外援助

【答案】 D
4、下列操作中，不能完全清除文件型计算机病毒的是（　　）。
A.删除感染计算机病毒的文件
B.将感染计算机病毒的文件更名
C.格式化感染计算机病毒的磁盘
D.用杀毒软件进行清除

【答案】 B
5、Passage 6
A.New restrictions on carry-on bags
B.The declining efficiency of the TSA
C.An increase in the number of travelers
D.Frequent unexpected secret checks

【答案】 C
6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
7、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
8、Passage 7
A.Patients seldom receive due care towards the end of the day
B.Prescription of antibiotics can be harmful to patients'health
C.cision fatigue may prevent people making wise decisions
D.Medical doctors are especially susceptible to decision fatigue

【答案】 C
9、一个历史事件可由若干事件构成，这一事件又可以由若干小事件构成，由此可以排除一系列事件的等级或层次。下列选项符合上述说法的是（　　）。
A.经济全球化西欧一体化一欧元启用
B.《王位继承法》《权利法案》一光荣革命
C.原苏联的现代化道路一新经济政策一社会主义工业化
D.中途岛战役伏尔加格勒战役阿拉曼战役

【答案】 A
10、Passage 4
A.Alex Taw is an American millionaire
B.Alex Taw will graduate from university
C.Alex Taw doesn’t work hard
D.Alex Taw was not rich before

【答案】 D
11、如果中央银行在公开市场上大量购买政府债券，下面哪一种情况不可能发生？（　　）
A.利息率下降
B.国民收入增加
C.储蓄减少
D.以上答案都不对

【答案】 D
12、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.Nonchalant
B.Susceptible
C.Averse
D.Neutral

【答案】 B
13、资料：Many people think of internal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides assurance of the dependability of the accounting data used in making decisions.
A.Financial forecasts
B.According rules
C.Manuals of accounting policies and procedures
D.Organization charts

【答案】 B
14、2017年4月份，某省规模以上食品工业增加值同比增长15.0%，比全省规模工业平均水平高9.4个百分点。其中，农副食品加工业增长14.0%，食品制造业增长18.6%，酒、饮料和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%，增幅比全省规模工业平均水平高4.5个百分点。
A.5.6%
B.7.1%
C.16.1%
D.24.4%

【答案】 A
15、资料：（四）
A.Suspicious
B.Objective
C.Optimistic
D.Critical

【答案】 B
16、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
17、甲乙丙三人去买水果，甲购买1斤西瓜3斤苹果7斤梨共需要31.6元，乙购买1斤西瓜4斤苹果10斤梨共需36.2元。那么，丙购买1斤西瓜1斤苹果1斤梨共需要（　　）元。
A.22.4
B.24.2
C.12.4
D.14.2

【答案】 A
18、If English means endless new words，difficult grammar and sometimes strange pronunciation，you are wrong.Haven’t you noticed that you have become smarter since you started to learn a language?
A.the experience of learning a second language has bad effect on people’s brain
B.there is no difference between a later second language learner and one who doesn’t know a second language
C.the earlier you start to learn a second language，the higher the grey matter density is
D.the ability of learning a second language is changing all the time

【答案】 C
19、趋同适应是指亲缘关系相当疏远的不同种类的生物，由于长期生活在相同或相似的环境中，接受同样生态环境选择，在外貌形态、内部结构、生活特点、生理特征及发育等多方面表现出相似性，具有相同或相近的形态。
A.在同一片森林的地被层和草本层中，栖息着两栖类、爬行类等动物;在森林的下层——灌木林和幼林中，栖息着莺、苇莺和花鼠等；在森林的中层栖息着山雀、啄木鸟、松鼠和貂等；而在树冠层则栖息着柳莺、交嘴和戴菊等。
B.哺乳类的鲸、海豚、海象、海豹，鱼类的鲨鱼，它们在亲缘关系上相距甚远，但都长期生活在海洋中，整个身躯形成为适于游泳的纺锤形。
C.沙漠植物都是肉质叶或者茎，雨淋植物都是宽叶而寒带植物多是针叶。
D.蝙蝠、翼龙、鸟类为了飞翔，将前肢进化成强有力的翅。

【答案】 A
20、把生产资本分为固定资本与流动资本，其依据是（ ）。
A.在生产过程中不同的价值转移方式
B.在生产过程中不同的物质存在形态
C.不同部分在剩余价值生产中的不同作用
D.不同部分的不同运动速度

【答案】 A
21、不能向居民发放贷款的金融机构是（）。
A.中国农业发展银行
B.中国建设银行
C.农村信用合作社
D.城市商业银行

【答案】 A
22、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
23、Passage3
A.from one side of a dish to the other
B.from the other side of the dish
C.with their fingers
D.with their spoons

【答案】 C
24、2013年9月7日，（ ）击败西班牙马德里和土耳其伊斯坦布尔，最终成为2020年夏 季奥林匹克运动会的举办城市。
A.巴西里约热内卢
B.美届芝加哥
C.日本东京
D.阿根廷布宜诺斯艾利斯

【答案】 C
25、国家主席习近平2020年3月6日在京出席决战决胜脱贫攻坚座谈会并发表重要讲话。他强调，到2020年现行标准下的（　　），是党中央向全国人民作出的郑重承诺，必须如期实现。
A.完成扶贫领域作风建设
B.贫困地区基本生活改善
C.农村贫困人口全部脱贫
D.完成易地扶贫搬迁建设

【答案】 C
26、We went to the office in the morning and found somebody（　　）into the office during the night.
A.broke
B.had broken
C.has broken
D.was breaking

【答案】 B
27、It is not rare in（　　）that people in（　　）fifties are going to the university for further education.
A.90s;the
B.the 90s;/
C.90s;their
D.the 90s;their

【答案】 D
28、This argument sounds reasonable,but（　　）it’s incorrect.
A.fortunately
B.actually
C.naturally
D.obviously

【答案】 B
29、认识的本质是主体对（ ）。
A.客体的选择和建构
B.客观事物的直观反映
C.人的心灵活动的内省
D.客体的能动反映

【答案】 D
30、由于挤兑风波导致商业银行倒闭的风险属于（　　）。
A.国家风险
B.流动性风险
C.法律风险
D.操作风险

【答案】 B
31、On the next birthday,Ann（　　）married for twenty years.
A.is
B.has been
C.will be
D.will have been

【答案】 D
32下列中央银行的行为和服务中，体现其“银行的银行”的职能的是（　　）。
A.代理国库
B.对政府提供信贷
C.集中保管商业银行现金准备
D.发行货币

【答案】 C
33、There’s been a lot of contention in the last couple of weeks about the future______of the company.
A.direction
B.decision
C.condition
D.orentation

【答案】 A
34、The poor man’s clothes are as ___ as a scarecrow’s.
A.rampant
B.ragged
C.regale
D.remiss

【答案】 B
35、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.Because connoisseurs said its flavor rivals that of wine grapes
B.Because there were different varieties
C.Because it helped preserve beer
D.Because only some people didn’t like the taste

【答案】 A
36、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
37、目前我国上海和深圳证券交易所均实行（ ）的交割方式完成清算交易。
A.T - 1
B.T+0
C.T+1
DT+2

【答案】 C
38、Passage 1
A.It is much better than that of their European counterparts
B.It has been on the decline ever since the turn of the century
C.It has not improved as much as reported by the Census Bureau
D.It has not been accurately assessed and reported since mid-2000s

【答案 C
39、不属于资产管理理论基础的是（　　）。
A.商业性贷款
B.转移理论
C.预期收入理论
D.经营管理理论

【答案】 D
40、某国的货币量发行情况如下：现金货币5000亿元，活期存款2500亿元，活期存款以外的其他存款为2000亿元，短期信用工具为1500亿元，其中同期短期国债发行量为50亿元，试问该国M1货币量为（）亿元。
A.5000
B.7500
C.10000
D.50

【答案】 B
41、资料：The Oakview Cafe
A.Purchase tickets for an event
B.View a full dinner menu
C.Listen to samples of music
D.Read reviews of a performance

【答案】 B
42、 借款合同与担保合同的关系是（　　）。
A.主从关系
B.并列关系
C.等同关系
D.从属关系

【答案】 A
43、To meet the ethical requirements, the participants were informed that their involvement in the study was voluntary and that their personal privacy would be treated______.
A.confidentially
B.proudly
C.confidently
D.secretly

【答案】 A
44、2012年GDP增速目标为（ ）；全年CPI控制在4%。
A.7. 5%
B.7. 8%
C.7.6%
D.8%

【答案】 A
45、This type of networking serves a great______in giving back to the community.
A.process
B.power
C.purpose
D.project

【答案】 B
46、资料：In a survey,people were asked to choose between treatments to save 600 people from dying a disease.
A.The participants
B.The wording
C.The background
D.The contents

【答案】 B
47、资料：You can not go forward by going backward. Take the current debate about trade and globalization, for instance, while the impulse to erect trade barriers is understandable given the pain experienced in recent years, it is not the way to create lasting growth and shared prosperity.
A.Blocked flow of trade and investment
B.Loss of economic value
C.Declining worker mobility
D.Distressing job losses

【答案】 D
48、 代保管业务主要指商业银行的（　）。
A.保管箱业务
B.委托代办债券还本付息业务
C.代发股票红利业务
D.代理证券资金清算等业务

【答案】 A
49、 丙公司在经营过程中因资金出现短缺，向某商业银行申请贷款。丙公司由该行办公室主任吴某的亲属投资。请你根据我国《商业银行法》的规定，判断该银行在贷款时的哪项做法违反了贷款的基本规则?（　　）
A.发放了一笔信用贷款
B.对贷款实行审贷分离、分级审批制度
C.与借款人订立了书面合同
D.对借款人的借款用途、偿还能力、还款方式等情况进行严格审查

【答案】 A
50、Do you know where____now?
A.he lives
B.does he live
C.he lived
D.did he live

【答案】 A
51、In the heart of Patagonia area, glaciers rise in the midst of mountain capes and alpine meadows, close enough to hike right up to and （ ）.
A.touched
B.touch
C.touching
D.being touched

【答案】 B
52、下列字符中，其ASCII码值最大的是（　　）。
A.9
B.D
C.a
D.y

【答案】 D
53、In Margaret Atwood’s novel, women are______two groups based on whether or not they can give birth to a child.
A.divided into
B.divided off
C.separated into
D.separated from

【答案】 A
54、资料：Keeping the Zeal of a Startup as You Scale
A.startup company that maintains its original quality in the process of scaling up
B.An insurgent company that turned into an incumbent company
C.An insurgent company that managed to make steady profits
D.startup company that succeeded in scaling up

【答案】 A
55、填入括号中最恰当的词语是（　　）。
A.再接再厉龙争虎斗
B.自力更生明争暗斗
C.自力更生龙争虎斗
D.再接再厉明争暗斗

【答案】 C
56、Passage 6
A.stupid
B.polite
C.considerate
D.annoying

【答案】 D
57、 银行的基本凭证有：现金付出传票、( )、转账借方传票、转账贷方传票、特种转账借方传票、特种转账贷方传票、表外科目借方传票、表外等。
A.现金支票
B.现金收入传票
C.转账支票
D.进账单

【答案】 B
58、In 1913, the states passed the Sixteenth Amendment ________ the Constitution.
A.with
B.for
C.to
D.at

【答案】 C
59、The ______ of the international community was encouraged in solving the problems.
A.requirement
B.settlement
C.management
D.involvement

【答案】 D
60、下列关于外汇说法中不正确的是（　　）。
A.外汇是以外国货币表示的，必须具有充分的可兑换性，能够自由地兑换成其他国家的货币或者其他信用工具进行多边支付
B.外汇是非主权货币，通常各国政府允许外国货币作为本国市场的计价和结算货币，但不允许外国货币在本国境内流通和使用
C.外汇必须是在国外能得到补偿的债权，具有可靠的物质偿付保证
D.外汇必须是各国普遍接受的支付手段和可用作对外支付的金融资产

【答案】 C
61、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.Being very inquisitive just like a policeman
B.Speaking directly about one’s shortcoming without considering one’s feelings
C.Hitting the nail on the head in the conversation
D.Focusing on the negative emotion behind a message rather than the real problem

【答案】 D
62、资料：Special needs students can not only learn from regular education teachers, but can participate in collaborative learning with mainstream students as well. Collaborative learning allows students to work together in groups to complete lessons and assignments.
A.Doubt
B.Positive
C.Indifferent
D.Disagreeable

【答案】 B
63、Passage 7
A.No particular reasons
B.For a better reputation
C.For the social equality

D.As the law said

【答案】 C
64、资料：Why is Salt Bad for You?
A.had a high blood pressure
B.ate too much
C.had a cold and a sore throat
D.was sensitive to salt

【答案】 C
65、资料：（一）
A.a form of gambling
B.a way of making money quickly
C.useful and necessary
D.old-fashioned

【答案】 C
66、各国征收反倾销税的目的在于（　　）。
A.抵制商品倾销，保护本国的市场与工业
B.防止本国商品不顾成本到国外倾销
C.保护本国出口商的利益
D.保护本国进口商的利益

【答案】 A
67、I prefer to take a plane rather than______a train.
A.took
B.taken
C.takes
D.take

【答案】 D
68、资料：Tencent Holdings Ltd has announced that it will fully open up its big data platform and machine learning technology in a move to build a "sharing economy" based on cloud services. Enterprises will be able to use a set of big data analysis tools developed by Tencent, helping them gain a better understanding of their clients and improve their products.
A.Negative
B.Neutral
C.Encouraging
D.Positive

【答案】 B
69、资料：Above the line promotion uses mass media such as the press,radio,television,cinema or poster sites. This type of promotion is usually paid for. Each of the possible media methods can be used to target audiences in different market segment. There are both strengths and drawbacks to these forms of media:
A.the press,radio and television
B.the press,radio,internet,television,cinema and post sites
C.the press,radio,internet
D.the press,radio,television,cinema and poster sites

【答案】 D
70、资料：It is September of 1998, I’m sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. I'm listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the