2026年备考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

2026年备考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150题）
1、资料：THOMAS WILSON
A.update
B.fix
C.innovate
D.furnish

【答案】 B
2、按照消费资料的存在形式，消费可分为（ ）。
A.实物消费与服务消费
B.个人消费与社会集团消费
C.个人消费与行政机关消费
D.个人消费与事业单位消费

【答案】 A
3、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
4、（ ）their existing problems,great improvements were made in the country’s literacy rates and health care system.
A.But for
B.For all
C.Above all
D.Except for

【答案】 B
5、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.
A.The rise of compound annual growth rate
B.The rise of social platforms
C.The rise of sponsored content
D.The rise of publisher websites

【答案】 B
6、资料：Asked to name their favorite city, many Americans would select San Francisco which began as a small Spanish outpost located on a magnificent bay. The town was little more than a village serving ranchers when the United States took possession of it in 1846 during the war with Mexico.
A.attractive lifestyle, good seafood, desirable weather
B.tourist attraction extreme seasons, cable cars
C.wagon trains, gold mining, good climate
D.cable cars, pleasant climate, flat terrain

【答案】 A
7、船只利用声纳侦测鱼的踪迹，主要是利用声波的（　　）。
A.折射
B.反射
C.辐射
D.共振

【答案】 B
8、彼得·德鲁克认为：“领导者的唯一定义就是其后面的追随者。一些人是思想家，一些人是预言家，这些人都很重要，而且也急需；但是没有追随者，就不会有领导者。”这句话说明（　　）。
A.领导的实质是组织成员的追随与服从
B.领导者需要权力
C.追随者比领导者更重要
D.领导只有一个定义，其余的定义是错误的

【答案】 A
9、Passage 3
A.They have to cancel their vacations in New England
B.They find it unaffordable to dine in mom-and-pop restaurants
C.They have to spend more money when buying imported goods
D.They might lose their jobs due to potential economic problems

【答案】 C
10、 下列选项中，可以直接计入“管理费用”科目，不必通过“应交税金”科目的税金是（　　）。
A.增值税
B.个人所得税
C.营业税
D.印花税

【答案】 D
11、资料：Samsung’s Notebook 7 Spin is a stylish，versatile work machine with power to spare.The 2-in-1 notebook’s performance is impressive，and its versatile folding design is legitimately useful.Unfortunately，the system’s shallow keyboard and lackluster battery life curtail its productivity potential a bit.
A.In a magazine about electronic products
B.In Samsung’s stores
C.In a newspaper
D.In an advertisement

【答案】 A
12、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market. Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.
A.On the mainland, mobile devices cost a lot
B.Text messages are less expensive than messaging app in America
C.Chinese people like messaging apps more than text messages
D.American messaging apps are not free

【答案】 C
13、资料：The movement of consumers from public social media to private messaging has been so rapid that Business Insider reported that the combined usage of the top four messaging apps now exceeds the combined usage of the top four social media apps。Falling data prices，cheaper devices，and improved features are helping propel this growth。
A.People make fun of each other on these apps
B.It would make the social media disappear
C.You need to put private information on them all the time
D.It builds connection with your real friends

【答案】 D
14、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.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
15、Passage 3
A.Their economy is plunging
B.Their currency has slumped
C.They can’t afford trips to England
D.They have lost half of their assets

【答案】 B
16、资料：No credit，bad credit Hear the terms often enough and they can blur together.These credit statuses aren’t one and the same，though.
A.having accounts sent to collections
B.looking for a no-credit credit card
C.paying down the balance
D.closing your credit accounts

【答案 B
17、资料：Job Description
A.Wait for a better chance
B.Make a job-hopping
C.Become a producer
D.Work harder and be more focused

【答案】 C
18、The company’s production has been put on the right ______.
A.orbit
B.course
C.route
D.track

【答案】 D
19、下列经济行为中属于间接融资的是（　　）。
A.公司之间的货币借贷
B.国家发行公债
C.商品赊销
D.银行发放贷款

【答案】 D
20、关于本票的说法，正确的是（　　）。
A.本票出票人资格必须由中国人民银行审定
B.本票的必须记载事项包括付款人
C.本票自出票日起，付款期限最长不超过1个月
D.本票是自付票据

【答案】 D
21、资料：之后，经济学家Mr.X展望了中欧之间的商业机遇，请根据下列资料回答问题。
A.Hiring a local agent or 3PQ is most convenient
B.Agents charge high prices
C.One should inspect the factories personally
D.Visiting a factory requires applications

【答案】 A
22、当本币升值，（　　）。
A.国内价格与出口价格一升一降
B.国内价格和出口价格均不变
C.国内价格和出口价格均上升
D.国内价格和出口价格均下降

【答案】 A
23、Attachments____to your Hotmail account can be downloaded to your personal computer by clicking.
A.sent
B.to send
C.are sent
D.sending

【答案】 A
24、After the storm, the lake returned to its usual ___ state.
A.flaccid
B.placid
C.lucid
D.acid

【答案】 B
25、2012年5月10日，期货市场首个上市新品种：白银期货正式挂牌交易，这意味着国 内市场上市了第（ ）个贵金属期货交易品种。
A.一
B.二
C.三
D.四

【答案】 B
26、资料：之后，经济学家Mr.X展望了中欧之间的商业机遇，请根据下列资料回答问题。
A.Hiring a local agent or 3PQ is most convenient
B.Agents charge high prices
C.One should inspect the factories personally
D.Visiting a factory requires applications

【答案】 A
27、 下列关于对账的表述，不正确的是（　　）。
A.建立健全对账制度。有利于提高会计核算质量
B.对账的内容包括账证核对、账账核对、账实核对、账表核对
C.账证核对是指账簿记录与原始凭证、记账凭证的核对
D.账实核对是指各项财产物资的账面数与实有数之间的核对

【答案】 B
28、资料：Happy wood sprites knows the way to Fenghuang city.
A.Dances
B.Poetry
C.Paintings
D.Music

【答案】 D
29、张先生回国后要将手中多余2万美元换回人民币，现有两家银行USD/CNY报价分别为：A银行6.1500-6.2200，B银行6.1600-6.2150，他最多可以换到多少人民币（　　）。
A.12.30万元
B.12.32万元
C.12.43万元
D.12.44万元

【答案】 B
30、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
31、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。
A.坚持了联系的观点，世界上一切事物都是相互联系的
B.混淆了矛盾主次方面，看不到矛盾主要方面决定事物性质
C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化
D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性

【答案】 C
32、The doctor hit me just below the knee to test my ___.
A.influxes
B.inflows
C.flexes
D.reflexes

【答案】 D
33、Passage 4
A.law courts have decided not to use fashionable words
B.it is widely accepted by all the insured
C.it enables ordinary people to understand it easily
D.the meaning of such wording has been agreed upon

【答案】 D
34、I have a presentation this morning,and I need to prepare copies of the report for all the（　　）.
A.engineers
B.attendees
C.board of directors
D.Faculties

【答案】 B
35、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.Cloud services help enterprises get access to resources
B.Tencent's efforts to develop cloud service
C.Tencent opens up big data platform to boost sharing economy
D.Cloud technology

【答案】 C
36、商业银行在加强内控中应建立对集团性大客户实行（ ）制度。
A.集团总部授信管理
B.统一授信管理
C.分级授信管理
D.分区域授信管理

【答案】 B
37、填入括号处最恰当的词语是（　　）。
A.连播供品
B.连播贡品
C.联播供品
D.联播贡品

【答案】 B
38、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
39、下列各项中，不符合填制原始凭证要求的是（ ）。
A.一式几联的原始凭证,必须注明各联的用途
B.不得使用未经国务院公布的简化字
C.填写阿拉伯金额数字时，有角无分的，分位应用“一”表示
D.原始凭证不得涂改、刮擦、挖补

【答案】 C
40、下列哪项不属于计算机内部采用二进制的优点？（)
A.便于硬件的物理实现
B.运算规则简单
C.可用较少的位数表示大数
D.可简化计算机结构

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

【答案】 A
42、投资一笔国债，5年期，平价发行，票面利率为12. 22%，单利计息，到期一次还本付息， 则该债券的到期收益率是（）。
A.9%
B.11 %
C.10%
D.12 %

【答案】 C
43、资料：Up to 80 per cent of the world’s middle classes will live in developing countries by 2030 thanks to surprising recent gains in poverty reduction, according to a United Nations report published on Thursday.
A.the economic development of China is important
B.the role of some developing countries is significant for poverty reduction
C.14 countries are developing faster than China
D.it is crucial to make a clear goal first

【答案】 B
44、资料：Directions : There is 1 passage in this part. The passage is followed by some questions or unfinished statements. For each of them there are four choices , You should decide on the best choice.
A.It is a whole new technique Apple Inc. applied on iPhone X
B.It has started a revolution in computer-vision industry
C.It has a problem of revocation
D.It has embedded security mechanisms to secure the data on the phone

【答案】 B
45、下列当今热门电子产品中最不适合用来阅读电子书的是（　　）。
A.Kindle
B.Android手机
C.iPad
D.Xbox

【答案】 D
46、资料：Acknowledging that so-called cloud computing will blur the distinctions between computers and networks, about two dozen big information technology companies plan to announce a new standards-setting group for computer networking. The group, to be called the Open Networking Foundation, hopes to help standardize a set of technologies pioneered at Stanford and the University of California, Berkeley, and meant to make small and large networks programmable in much the same way that individual computers are.
A.To make networks less expensive to build and operate
B.To enhance the capabilities of network engineers
C.To set new standards for computer networking
D.To promote cloud computing

【答案】 C
47、金融市场最主要的基本功能是（　　）。
A.融通货币资金
B.优化资源配置
C.风险分散
D.定价功能

【答案】 A
48、银行业监督管理机构对金融机构进行现场检查，应当经（　　）批准。
A.银行业监督管理机构负责人
B.国务院
C.中国人民银行
D.被检查金融机构法人代表

【答案】 A
49、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
50、According to a recent report, depression is the second leading______of disability worldwide.
A.cause
B.consideration
C.fact
D.matter

【答案】 A
51、如果本国货币升值，则（　　）。
A.直接标价法汇率数值减小
B.直接标价法汇率数值增大
C.汇率变化方向不确定
D.间接标价法汇率数值减小

【答案】 A
52、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
53、下面有关计算机的叙述中，正确的是（　　）。
A.计算机的主机只包括CPU
B.计算机程序必须装载到内存中才能执行
C.计算机必须具有硬盘才能工作
D.计算机键盘上字母键的排列方式是随机的

【答案】 B
54、根据我国宪法的规定，下列有关公民基本权利的宪法保护的表述，哪一个是正确的？（）
A.—切公民都有选举权和被选举权
B.宪法规定了对华侨、归侨权益的保护，但没有规定对侨眷权益的保护
C.宪法对建立劳动者休息和休养的设施未加以规定
D.公民合法财产的所有权和私有财产的继承权规定在宪法“总纲”部分

【答案】 D
55、资本主义地租的本质是（　　）。
A.土地所有者占有的农业平均利润
B.农业资本家在租期内投资的利息
C.农业工人创造的超过平均利润以上的那部分剩余价值
D.土地所有者无偿占有的农业工人创造的全部剩余价值

【答案】 C
56、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
57、 通过（　）逐笔核对，核实入账的支票是否与事实相符，特别应注意账号是否相符。
A.银行对账单
B.支票存根与对账单
C.日记账
D.银行余额调节表

【答案】 B
58、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.How rich and poor regions can share responsibility in curbing global warming
B.How human and economic losses from climate change can be reduced
C.How emissions of heat-trapping gases can be reduced on a global scale
D.How rich countries can better help poor regions reduce climate hazards

【答案】 D
59、Despite his Catholic background, Kennedy also became a strong advocate of_____rights and later, a supporter of same-sex marriage.
A.waste
B.removal
C.autonomy
D.abortion

【答案】 D
60、在偿还赊销款项时货币执行的职能是（　　）。
A.价值尺度
B.流通手段
C.贮藏手段
D.支付手段

【答案】 D
61、鼓励冒险和革新的组织文化称为（　　）组织文化。
A.学院型
B.俱乐部型
C.棒球队型
D.堡垒型

【答案】 C
62、依次填入下列各句划线部分的词语，与句意最贴切的一组是（　　）。
A.贯串鬼怪国是
B.贯穿鬼怪国事
C.贯串诡怪国事
D.贯穿