2026年备考银行招聘之银行招聘综合知识真题练习试题（备用卷）附答案.docx

2026年备考银行招聘之银行招聘综合知识真题练习试题（备用卷）附答案

单选题（共150题）
1、资料：From: Iris Wu
A.To notify him of a conference date
B.To ask him to share his marketing ideas
C.To approve his international business trip
D.To request that he organize a telephone meeting

【答案】 D
2、夏日雷雨过后，人们会感到空气特别清新，其主要原因是（ ）。
A.雷雨过后，空气湿度增加
B.雷雨过程中雷电导致空气中的臭氧分子增加
C.雷雨过程中空气中的灰尘随雨水降落到地面
D.雷雨过程中气温快速下降

【答案】 B
3、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.India
B.Tajikistan
C.Pakistan
D.Bangladesh

【答案】 A
4、资料：For nearly a century, Hilton Worldwide has offered business and leisure travelers the finest in accommodations, service, amenities and value.
A.Celebrities
B.Royal families
C.Businessmen and tourists
D.Rich people

【答案】 C
5、Passage 8
A.explosive growth
B.the reform of reverse mortgage market
C.little consideration to suitability
D.aggressive and improper marketing

【答案】 B
6、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
7、公文的权威性和行政约束力，来自（　　）的权威和合法地位。
A.收文机关
B.印发机关
C.审核机关
D.制发机关

【答案】 D
8、根据蒙代尔的国际收支政策配合理论，当某国处于国际收支顺差、国内经济膨胀的经济状态时，应搭配财政政策和货币政策。（　　）

A.紧缩性的；扩张性的
B.扩张性的：扩张性的
C.扩张性的；紧缩性的
D.紧缩性的；紧缩性的

【答案】 A
9、下列名画按创作时间排序正确的是（　　）。
A.①②③④
B.②①④③
C.③④①②
D.④①③②

【答案】 C
10、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 Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)
A.The idea of committing suicide
B.The urgent peril to the author’s life
C.The harm caused by cyberbullying
D.The hatred to those who cheated the author

【答案】 C
11、Passage 3
A.The dollar has little respect in New England
B.Europeans begin to think more warmly of theU.S
C.Imported food is more expensive to the Americans
D.Some large American corporations make more profits

【答案】 A
12、Science and spirit seemed so incongruent, and yet they both appeared to be two windows （ ） into the same house.
A.looked
B.looks
C.looking
D.to look

【答案】 C
13、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
14、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.
A.Challenges facing European regulators
B.A new regulation in Europe that opens banks to competition
C.The solutions to the flawed banking system in Europe
D.A looming threat to customers' private bank data

【答案】 B
15、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.encouraged
B.pessimistic
C.depressed
D.hard to tell

【答案】 A
16、下列哪项不属于商业银行依法可以开展的业务？（　　）
A.买卖政府债券、金融债券
B.承销政府债券
C.发行金融债券
D.承销公司股票

【答案】 D
17、资料：（一）
A.such risks are very expensive
B.such risks cannot be estimated precisely
C.such risks are too high
D.the premium would be too high

【答案】 B
18、新陈代谢是指地球上的一切生命有机体都需要不断地与周围环境进行（　　）交换。
A.物质与养料
B.物质与能量
C.养料与能量
D.养料与质量

【答案】 B
19、Passage 9
A.read a text slowly
B.read without thinking hard
C.interpret a text in their own way
D.concentrate on the meaning of words only

【答案】 D
20、According to economic theory,a nation should produce and export those items （ ） it gains a competitive advantage.
A.from which
B.for that
C.by what
D.about it

【答案】 A
21、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
22、Care providers also need to help patients to manage their feelings of uncertainty and______them of the benefits of modern medicine and technology which can substantially aid in health improvement。
A.assure
B.insure
Csure
D.ensure

【答案】 A
23、根据数字使用规范，下列公文中的数字写法正确的是（ ）。
A.初步估计共需三十七、八万元
B.一篇讲话稿长达5千200字
C.“文件”二字可采用2号字体
D.该村直到95年才修通公路

【答案】 C
24、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.
A.Chinese business philosophy
B.China’s business culture
C.Doing business in China
D.Guanxi in China

【答案】 B
25、资料：The Oakview Cafe
A.A newspaper reporter
B.A musician
C.A cafe owner
D.A chef

【答案】 B
26、 原始投资额不同特别是项目计算期不同的多方案比较决策，最适合采用的评价方法是（　　
A.获利指数法
B.内部收益率法
C.差额投资内部收益率法
D.年等额净回收额法

【答案】 D
27、按照我国商业银行资产负债比例管理规定，人民币存贷款比例应小于等于（ ）。
A.70%
B.75%
C.80%
D.85%

【答案】 B
28、Airline-maintenance best practice could ___ oil industry profitability.
A.overhaul
B.enhance
C.confuse
D.guide

【答案】 B
29、实验室有两瓶某物质溶液，甲瓶有100克溶液，浓度为5%，乙瓶有150克溶液，浓度为8%，从两瓶中取出相等的若干克溶液，交换倒入另一瓶，令此刻的甲乙瓶浓度相等，则取出的溶液是（　　）。
A.60
B.50
C.70
D.80

【答案】 A
30、The World Bank says a large proportion of the poor have no ________ to banks.
A.entry
B.path
C.road
D.access

【答案】 D
31、A new business, a startup company, is usually considered too ________ for average investors.
A.risk
B.risky
C.risks
D.risking

【答案】 B
32、新农合”是指（ ）。
A.新型农村合作社
B.新型农村合作保险
C.新型农村合作医疗
D.新型农村合作教育

【答案】 C
33、CDS由（ ）于1961年首创。
A.中国人民银行
B.日本住友银行
C.英格兰银行
D.美国花旗银行

【答案】 D
34、资料：Do you want to see the world? Then plan to visit the Silver Poseidon Cruises Career Fair on Tuesday, November 15 from 9 a.m. to 4 p.m. or Wednesday. November 16 from 5 p.m. to 9 p.m. We are looking for food service, entertainers, and maintenances staff to work aboard our many vessels. Free travel is just the beginning when you work for Silver Poseidon Cruises.
A.On a cruise ship
B.In a factory
C.At a jewelry shop
D.At an amusement park

【答案】 A
35、下面是中国古典文学四大名著中的人物与情节，其中搭配不当的一项是（　　）。
A.鲁智深——倒拔垂杨柳
B.孙悟空——大闹天宫
C.诸葛亮——三顾茅庐
D.刘姥姥——进大观园

【答案】 C
36、目前国际公认的高技术前沿是指（ ）。
A.航天航空技术
B.计算机与信息技术
C.生物技术
D.新材料技术

【答案】 B
37、下列哪项不属于20世纪的四大发明？（　　）
A.计算机
B.原子能
C.打印机
D.半导体

【答案】 C
38、I（　　）in the library every night over the last three months.
A.works
B.worked
C.have been working
D.had been working

【答案】 C
39、资料：Do you want to see the world? Then plan to visit the Silver Poseidon Cruises Career Fair on Tuesday, November 15 from 9 a.m. to 4 p.m. or Wednesday. November 16 from 5 p.m. to 9 p.m. We are looking for food service, entertainers, and maintenances staff to work aboard our many vessels. Free travel is just the beginning when you work for Silver Poseidon Cruises.
A.On a cruise ship
B.In a factory
C.At a jewelry shop
D.At an amusement park

【答案】 A
40、在Exce1中，将3、4两行选定，然后进行插入行操作，下列表述正确的是（　　）。
A.在行号2和3之间插入两个空行
B.在行号3和4之间插入两个空行
C.在行号4和5之间插入两个空行
D.在行号3和4之间插入一个空行

【答案】 A
41、按照《劳动合同法》的有关规定，企业进行经济性裁员时，应当优先留用的劳动者中不包括（　　）。
A.与本单位订立无固定期限劳动合同的
B.与本单位订立较长期限的固定期限劳动合同的
C.因公负伤在规定的医疗期满后还不能从事原工作的
D.家庭无其他就业人员，有需要扶养的老人或者未成年人的

【答案】 C
42、（）将引起美元对日元贬值。
A.美国的货币供给增加
B.美国的利率上升
C.日本的利率下降
D.日本从美国的进口增加

【答案】 A
43、中央银行降低再贴现率的结果是银行准备金（ ）。
A.增加
B.减少
C.不变
D.皆有可能

【答案】 A
44、截至2011年末，我国境内股市已经成为全球第（ ）大市场。
A.二
B.三
C.四
D.五

【答案】 B
45、常见的编程语言有Java、C、C++、C#等等，其中诞生最早的语言是（　　）。
A.C
B.Java
C.C#
D.C++

【答案】 A
46、 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
47、从2020年4月8日零时起，武汉市解除（　　）管控措施，撤除武汉市交通管控卡口，有序恢复铁路、民航、水运、公路城市公交运行。这标志着疫情防控取得阶段性重要成效，也标志着湖北保卫战、武汉保卫战进入了一个新的阶段。
A.离汉通道
B.封闭管理
C.交通封管
D.高风险

【答案】 A

48、May is as（　　）as a peacock and always wants to be the center.
A.beautiful
B.smart
C.slender
D.vain

【答案】 D
49、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
50、生产成本上升会使得商品供给量（ ）。
A.下降
B.上升
C.不变
D.均有可能

【答案】 A
51、资料：Most young people enjoy some form of physical activity. It may be walking, cycling or swimming, or in winter, skating or skiing. It may be a game of some forms, football, hockey, golf, or tennis. It may be mountaineering.
A.it is an Olympic event
B.teams compete against each other
C.mountaineers depend on each other while climbing
D.there are 5 climbers on each team

【答案】 C
52、内存(主存储器)比外存(辅助存储器)（　　）。
A.读写速度快
B.存储容量大
C.可靠性高
D.价格便宜

【答案】 A
53、信用卡透支利率是日利率的（　　）。
A.万分之一
B.万分之三
C.万分之五
D.万分之十八

【答案】 C
54、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
55、关于维生素，下列说法正确的是（　　）。
A.缺乏维C可致佝偻病
B.维A有助于视力和免疫力
C.维E有助于凝血并强健骨骼
D.维D促进骨骼生长和重构，防止败血病

【答案】 B
56、资料：Desktop Support for Private Equity Firm in Midtown
A.Laptop
B.Mobile phone
C.Radio
D.Printer

【答案】 C
57、保险合同是投保人与保险人约定保险权利义务关系的协议，是一种（）。
A.民事合同
B.刑事合同
C.不具有法律关系的民事合同
D.不能转让的合同

【答案】 A
58、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 dominance of social platforms
B.The dominance of the digital advertising
C.The introduction of new programmatic technologies
D.Publishers and advertisers can now scale native campaigns easily

【答案】 B
59、According to economic theory,a nation should produce and export those items （ ） it gains a competitive advantage.
A.from which
B.for that
C.by what
D.about it

【答案】 A
60、金融远期合约是一种（ ）。
A.买卖标的资产的权利
B.—定时期内发生的一系列现金交易
C.在集中场所交易的标准化合约
D.无固定场所的非标准化合约

【答案】 D
61、“只要有信心，黄土变成金”所蕴含的的哲理是（　　）。
A.意识对物质具有能动的反作用
B.意识活动本身可以改变客体
C.人们的精神活动依赖于物质活动
D.社会意识决定社会存在

【答案】 A
62、需求量和价格之所以呈反方向变化，是因为（　　）。
A.替代效应和收入效应同时作用
B.替代效应
C.补偿效应
D.收入效应

【答案】 A
63、American travelers abroad have discovered that they can buy more foreign____with their dollar.
A.currented
B.currently
C.currency
D.current

【答案】 C
64、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
65、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
66、债券本期收益率的计算公式是（ ）。
A.票面收益/市场价格
B.票面收益/债券面值
C.(出售价格一购买价格)/市场价格
D.(出售价格一购买价格)/债券面值

【答案】 A
67、We have experience in loading data ___ several A/C-manufacturers such as Boeing,Airbus,British Aerospace,Fokker,De Havilland and ATR.
A.in
B.to
C.beside
D.from

【答案】 B
68、Could I speak to（　　）is in charge of International Sales please?
A.who
B.what
C.whoever
D.whatever

【答案】 C
69、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor.
A.A modern farm and a factory are similar in some aspects
B.Farm machines are expensive
C.Farmers are unwilling to replace their worn-out machinery
D.Farmers have to borrow a lot of money for the equipment they need

【答案】 C
70、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.
A.everyone in the team is equal in position
B.everyone works in the same office
C.every person in the team has different skills
D.everyone works for the common g