2019-2025年银行招聘之银行招聘综合知识能力检测试卷A卷附答案.docx

2019-2025年银行招聘之银行招聘综合知识能力检测试卷A卷附答案

单选题（共600题）
1、反映商业银行一定时期内经营和投资等活动现金变化的报表是（　　）。
A.现金流量表
B.资产负债表
C.损益表
D.财务状况变动表

【答案】 A
2、资料：The societal marketing concept questions whether the pure marketing concept overlooks possible conflicts between consumers short-run wants and consumer long-run welfare.Is a firm that satisfies the immediate needs and wants of target markets always doing what’s best for consumers in the long run？ The societal marketing concept holds that marketing strategy should deliver value to customers in a way that maintains or improves both the consumers and society’s well-being.
A.generates carbon dioxide emissions that contribute to global warming
B.produces healthy products with the “green” packages
C.is highly successful because it run against the society long-run interests
D.takes water from pristine lakes and snow-capped mountains

【答案】 A
3、Don’t bother your father tonight-he’s got a lot（　　）his mind.
A.on
B.to
C.in
D.around

【答案】 A
4、资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June 27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.
A.psychologist
B.surgeons
C.researchers
D.psychiatrists

【答案】 B
5、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.greater economic dynamism
B.aid from developed countries
C.changes of developing countries
D.trade among developing countries

【答案】 B
6、基准利率作为其他利率水平或金融资产价格确定的基础，在我国，基准利率是（　　）。
A.同业拆借利率
B.公定利率
C.存贷款利率
D.市场利率

【答案】 C
7、在管理方格理论中，（9，1）对应的是（　　）领导方式。
A.团队性
B.任务型
C.乡村俱乐部型
D.中庸指导型

【答案】 B
8、以“甲和乙不都是律师”为前提，再增加（ ）为一个前提，就可以有效地推出结论“乙不是律师。
A.甲是律师
B.如果甲不是律师，则乙是律师
C.甲不是律师
D.如果甲是律师，则乙不是律师

【答案】 A
9、我国商业银行的核心资本包括（ ）。
A.实收资本、资本公积、盈余公积、未分配利润
B.实收资本、资本公积、呆账准备金、长期债务
C.实收资本、未收资本、重估资本、未分配利润
D.资本净值、资本盈余、未分配利润、呆账准备金

【答案】 A
10、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
11、下列不属于金融市场的作用的是( )。
A.融通资金的“媒介器”
B.经济发展的“润滑剂”
C.加强监管
D.资金供求的“调节器”

【答案】 C
12、I think I had at least a billion tests,including（　　）in which they cut out a piece of muscle from my leg and looked at it under a microscope.
A.that
B.the one
C.it
D.one

【答案】 D
13、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.Go to sourcing sites-contact prospective suppliers-attend sourcing fairs-order
B.Go to sourcing sites-visit factories-test samples-attend sourcing fairs-order
C.Go to sourcing sites-contact prospective suppliers-state demands-test samples-order
D.Go to sourcing sites-visit factories-state demands-test samples-order

【答案】 C
14、资料：Stress is a common factor in life. Children experience stress from school, new social situations and simply growing up. Adults feel the stress of working, paying bills, raising kids and maintaining households. Seniors also feel stress, even though some may have retired, raised their children and paid off their homes. Certain amounts of stress are a part of life for people of all ages.
A.becomes irritable and sleepless
B.doesn’t want to go shopping anymore
C.begins to favor drinks of a new brand
D.hates socializing with others

【答案】 A
15、1×2-2×3+3×4-4×5+5×6……+2011×2012-2012×2013=（　　）
A.-2
B.-2012
C.-1013044
D.-2026084

【答案】 D
16、Passage 3
A.Unpackaged products are of bad quality
B.Supermarkets care more about packaging
C.Other products are better packaged than food
D.It is improper to judge quality by packaging

【答案】 D
17、打开Word文档一般是指（ ）。
A.把文档的内容从内存中读出并显示出来
B.把文档的内容从磁盘调入内存并显示出来
C.为打开的文档开设一个新的空的文档窗口
D.显示并打印文档的内容

【答案】 B
18、资料：Workforce planning helps an organization to estimate its future workforce requirements and calculate the numbers, nature and sources of potential employees who might meet that demand.
A.it offers them regular training
B.it provides them with insurance
C.both A and B
D.not mentioned

【答案】 D
19、我国古代“以农立国”，而农业生产和自然天象的关系密切，所以古人非常注重“观时授时”，积累了丰富的天文历法知识。以下关于我国古代天文历法知识，说法错误的是（　　）。
A.金星古称“明星”“太白”“启明”“长庚”；木星古称“岁星”“岁”
B.杜甫诗中的“人生不相见，动如参与商”中的“参”是指西方的“参宿”.“商”指东方的心宿，“参”“商”同属二十八星宿
C.古代用于纪年的方法很多，其中最常用的是干支纪年法和年号纪年法。其中干支纪年法是指以天干和地支两两相配以纪年，历经六十年一轮回
D.天干只能与地支相配，而且是天干的单数与地支的双数相配，天干的双数与地支的单数相配

【答案】 D
20、 下列属于增值税征收的事项是（　　）。
A.某公司出售办公大楼
B.某电力公司销售电力
C.某公司转让土地使用权
D.某农民销售自产农产品

【答案】 B
21、如果一个公司经营状况严重恶化，要谨慎采用哪种用组织变革方式？（　　）
A.改良式
B.渐进式
C.计划式
D.爆破式

【答案】 D
22、以下关于货币政策中介目标的叙述错误的是（　　）。
A.货币政策的中介目标又称为中间指标、中间变量
B.中介目标是介于货币政策工具变量与货币政策目标变量之间的变量指标
C.中央银行根据相关性、可控性、可测性、抗干扰性四大原则来选择相应的中介目标
D.中介目标是指中央银行操作目标方面的变量指标

【答案】 D
23、下列筹资方式中属于混合筹资方式的是（　　）。
A.认股权证筹资
B.发行可转换债券
C.吸收直接投资
D.融资租赁

【答案】 B
24、Happiness is subjective，and one that we may not be able to accurately______across all countries. But that obviously isn’t going to stop anyone from trying。
A.try
B.track
C.divide
D.follow

【答案】 B
25、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.
A.perfect
B.more perfect
C.most perfect
D.perfectest

【答案】 A
26、Fewer than 14000 people perished in US airline accidents between the ___ of public aviation and the yar 2000.
A.end
B.start
C.middle
D.terminal

【答案】 B
27、通常情况下，一国的利率水平提高，会导致（ ）。
A.本币汇率上升，外币汇率上升
B.本币汇率上升，外币汇率下降
C.本币汇率下降，外币汇率上升
D.本币汇率下降，外币汇率下降

【答案】 B
28、Dealers often tell customers that if their car gets wrecked in a crash they could be financially harmed because regular insurance may not______the entire amount owed on the loan。
A.pay up
B.pay off
C.pay out
D.pay away

【答案】 B
29、Large numbers of state-run preschools were expediently closed down during the 1990s economic reform and instead,a variety of for-profit private preschools sprung ______ across the country.
A.by
B.out
C.in
D.up

【答案】 D
30、资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, you'd think that demand for Rome must be higher or supply lower.
A.Price for the same flight to a nearer destination is higher
B.Prices for different destinations on the same flight are the same
C.Price for the same flight to a farther destination is higher
D.Prices for different destinations on the same flight are different

【答案】 A
31、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（投资）the hypothetical（虚拟的）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
32、2013年2月18日，《国务院办公厅关于印发国民旅游休闲纲要（2013—2020年）的通知》发布，《纲要》明确提出到（ ）年职工带薪休假制度基本得到落实的目标。
A.2014
B.2015
C.2016
D.2020

【答案】 D
33、The fact worried many scientists（　　）the earth is becoming warmer and warmer.
A.what
B.which
C.that
D.though

【答案】 C
34、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
35、资料：Human resource professionals act as mediators between an organization's management and its workers. This requires wearing many hats It's an HR administrator's job to make sure that employees are working in a safe environment that disputes are settled， and that benefits are understood and administered properly. At the same time， HR is charged with recruiting new employees who will not only fit in personally and professionally but also help the company achieve its business goals. They also represent management when negotiating for benefits with companies administering these benefits and when implementing companywide policies that will ultimately lower costs or boost profits. The needs of HR cover a wide range of tasks and，therefore， require individuals who are good with people in addition to being organized， analytical， business-minded， and heroic multitaskers.
A.To specialize in a specific industry
B.To strengthen the understanding of business strategy and planning
C.To find an internship or an assistant job
D.Both A and B

【答案】 C
36、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.By giving examples
B.By providing data
C.By raising questions
D.By making comparisons

【答案】 A
37、“十三五”期间，我国森林覆盖率提高到23.04%，森林蓄积量超过175亿立方米，连续（　　）保持“双增长”，成为森林资源增长最多的国家。
A.20年
B.30年
C.15年
D.25年

【答案】 B
38、资料：Word of Mouth promotion is based on the principle of pull marketing.
A.that the customers don't enjoy the drink
B.that the campaign is made regularly
C.that the customers always see the coverage of the company in magazines
D.all above

【答案】 A
39、The students expected there ______ more reviewing classes before the final exam.
A.being
B.have been
C.is
D.to be

【答案】 D
40、 财务报表项目中的数字其直接来源是（　　）。
A.原始凭证
B.记账凭证
C.明细账簿
D.账簿记录

【答案】 D
41、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.Banker
B.Librarian
C.Journalist
D.Publisher

【答案】 C
42、It is ___ of the young senator to challenge the leadership so soon.
A.presumptuous
B.jubilant
C.quizzical
D.ultrasonic

【答案】 A
43、资料：Earlier this month, presidents Barack Obama of the US and Xi Jinping of China made an important symbolic gesture when they committed their countries, the two largest greenhouse gas emitters, to the Paris climate agreement. It was the clearest signal yet to investors worldwide that they need to think about the implications of global warming for their portfolios.
A.The companies that carry out the project
B.Environmental campaigners
C.North Dakota oil producers
D.Consumers

【答案】 B
44、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
45、Passage 1
A.The economic growth is turning better
B.The world economic growth is plunging
C.The IMF’s forecasts on world economy sometimes are too optimistic
D.The economic growth of the emerging world remains the same

【答案】 C
46、我国《刑法》中的附加刑（ ）。
A.只能独立适用
B.只能附加于主刑适用
C.只有主刑是有期徒刑以上刑罚的，才可以附加适用
D.既可以附加适用，也可以独立适用

【答案】 D
47、 对被审计单位长期挂账的（　）应采取函证查询、电话查询等方法进行逐户核对。
A.现金
B.货币资金
C.银行存款
D.往来账项

【答案】 D
48、为了回避外汇风险，在筹借和偿还时分别应选择（ ）。
A.币值趋势上升的硬货币、币值趋势趋跌的软货币
B.币值趋跌的软货币、币值趋升的硬货币
C.币值趋升的软货币、币值趋跌的硬货币
D.币值趋跌的硬货币、币值趋升的软货币

【答案】 A
49、资料：When a consumer finds that an item she or he bought is faulty or in some other way does not live up to the manufacturer's claims， the first step is to present the warranty， or any other records which might help. at the store of purchase. In most cases，this action will produce results. However， if it does not， there are various means the consumer may use to gain satisfaction A simple and common method used by many consumers is to complain directly to the store manager. In general， the “higher up” his or her complaint， the faster he or she can expect it to be settled. In such a case， it is usually settled in the consumer's favor， assuming he or she has a just claim.
A.The problem will be settled faster
B.The problem will usually be settled in the customer s favor
C.The problem will no longer exist immediately
D.Both A&B

【答案】 D
50、在我国，全国人民代表大会通过法律须经（ ）。
A.到会代表的过半数同意
B.全体代表的过半数同意
C.到会代表的2/3多数同意
D.全体代表的2/3多数同意

【答案】 B
51、资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June 27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.
A.psychologist
B.surgeons
C.researchers
D.psychiatrists

【答案】 B
52、利率是（ ）的价格。
A.货币资本
B.借贷资本
C.外来资本
D.银行资本

【答案】 B
53、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
54、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.Because there are a lot more options online
B.Because consumers are gaining more power thanks to online shoppi