2025年银行招聘之银行招聘综合知识通关题库(附带答案).docx

2025年银行招聘之银行招聘综合知识通关题库(附带答案)

单选题（共1000题）
1、甲在2016年1月1日当着两个儿子的面立了一份口头遗嘱，2016年2月18日，大儿子为稳妥起见，将遗嘱内容以书面形式记录下来，后因大儿子不孝，老人欲将所有财产都留给小儿子，于2016年7月9日重新以书面的形式更改了遗嘱内容。试问，甲去世后，哪份遗嘱可以生效（　　）
A.口头遗嘱
B.2016年7月9日立的遗嘱
C.2016年2月18日立的书面遗嘱
D.以上都无效，按法律规定继承

【答案】 B
2、科斯定理通常受到（　　）的影响，使私人间无法达成协议。
A.管制
B.需求
C.价格
D.交易成本

【答案】 D
3、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.impact
B.incident
C.inference
D.issue

【答案】 D
4、刘强是某大型商场的总经理，近日通过调查发现：商场基层员工近期工作效率下滑、缺勤率上升、工作积极性下降，基层员工与客户的不和谐事件也呈上升趋势。员工普遍反映：工作枯燥乏味，没有挑战性与职业生涯规划，无法有效施展自己的才能；沟通机会少，没有有效的沟通平台；大龄未婚员工人数日渐上升，员工的这些情况反映出在高层次需要没有得到满足时，对低层次的需要就会显得更加渴望，这符合（　　）的观点。
A.奥尔德佛（ERG）理论
B.赫茨伯格双因素理论
C.马斯洛需求层次理论
D.麦克里兰三重需求理论

【答案】 A
5、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.To infer that a person' s face is highly unlikely to change to another shape
B.To illustrate that the image stored in the phone cannot be changed if FaceID is compromised
C.To explain the revocation difficulty of FaceI
D.To enhance the data security on iPhone since it do not share biometric information with servers

【答案】 C
6、The mobility of cell phones means you can be anywhere and have the____or should I say the convenience, of a phone.
A.must
B.accompaniment
C.conclusion
D.necessity

【答案】 D
7、The No.3 air cycle pack temperature indication is______hot.
A.being read
B.to read
C.reading
D.read

【答案】 C
8、科学发展观的第一要义是（　　）。
A.科教兴国
B.以人为本
C.发展
D.发展战略

【答案】 C
9、各种唯心主义派别之间的差异和矛盾，常常有利于唯物主义的发展，这一事实说明（　　）。
A.矛盾一方克服另一方促使事物发展
B.矛盾一方的发展可以为另一方的发展提供条件
C.矛盾双方中每一方的自身矛盾可以为另一方的发展所利用
D.矛盾双方的融合促使事物发展

【答案】 C
10、It was only a quiz,no need to take it（　　）.
A.strictly
B.solely
C.seriously
D.sternly

【答案】 C
11、4辆车运送货物，每辆车可运16次；7辆车运送，每辆车只能运10次。设增加的车辆数与运送减少的次数成正比，且每车次运送货物相等，运送货物总量最多是多少车次？（　　）
A.72
B.74
C.64
D.68

【答案】 A
12、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。
A.assure
B.confide
C.ensure
D.guarantee

【答案】 C
13、It was essential that the application forms ___ back before the deadline.
A.would be sent
B.were sent
C.be sent
D.must be sent

【答案】 C
14、廉租住房建设贷款，贷款期限最长不超过（ ）年。
A.2
B.3
C.5
D.8

【答案】 C
15、阅读理解
A.try to rid himself of his world of illusion
B.accept his words as being one of illusion
C.apply the scientific method
D.learn to acknowledge both

【答案】 B
16、Many sources of information can______our chances of getting in touch with the current events in the world.
A.enhance
B.expand
C.limit
D.imagine

【答案】 A
17、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.
A.Negative
B.Critical
C.Positive
D.Neutral

【答案】 C
18、In some cases the exchange continued further, a sign of strong____over basic matters.
A.disagreement
B.consistency
C.joke
D.diversion

【答案】 B
19、A scientist often reaches a dead end that leads to no alternatives in research and has to go back and determine if all the____made are true to how the world operates.
A.equations
B.principles
C.assumptions
D.theories

【答案】 C
20、资料：October 20,2013
A.To invite the staff to an upcoming event
B.To welcome the newest staff to the company
C.To notify the employees of a yearly meeting
D.To provide information about the company’s product

【答案】 A
21、关税同盟的主要内容是（　　）。
A.成员国之间实行自由贸易政策
B.同盟国内部实行共同的经济政策与社会政策
C.同盟国外部实行统一的关税
D.同盟国内部实行自由贸易，对外实行统一关税

【答案】 D
22、You should make choices based on your ______ and long-term needs.
A.superficial
B.fundamental
C.primary
D.immediate

【答案】 D
23、A银行2019年年初共有正常类贷款900亿元，在2019年年末转为关注类、次级类、可疑类、损失类的贷款金额分别为50亿元、30亿元、15亿元和5亿元，期初正常类贷款期间因回收减少了200亿元、因核销减少了300亿元，则该银行2019年的正常类贷款迁徙率为（　　）。
A.15％
B.25％
C.50％
D.100％

【答案】 B
24、 长期股权投资的被投资单位因增资扩股而增加的所有者权益，银行应记账为（　）。
A.借：长期股权投资——股票投资(股权投资准备)贷：资本公积——股权投资准备
B.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)
C.借：资本公积——股权投资准备贷：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)
D.借：长期股权投资——股票投资(股权投资准备)——其他股权投资(股权投资准备)贷：资本公积——股权投资准备

【答案】 D
25、The project will not be finished on schedule if time is not effectively（　　）.
A.managing
B.managed
C.manage
D.manager

【答案】 B
26、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.The hop flower has been used in beer-making for decades
B.Different varieties of hop flower produce different flavors of beer
C.The rise of locavore movement makes craft brewing a new trend in the United States
D.Megabrewers are losing market share because people are searching for the unpalatable taste of hop flower

【答案】 B
27、The latest research indicates that stress，as an ______ to deal with it，is a direct contributor to heart disease.
A.inability
B.illegalness
C.unconsciousness
D.unwillingness

【答案】 A
28、资料：Procrastination comes in many disguises. We might resolve to tackle a task, but find endless reasons to defer it. We might prioritize things we can readily tick off our to-do list- answering emails, say- while leaving the big, complex stuff untouched for another day. We can look and feel busy. while artfully avoiding the tanks that really matter. And when we look at those rolling, long untouched items at the bottom of our to-do list, we can't help but feel a little disappointed in ourselves.
A.The natural function of our brain
B.The other ways to make the benefits of action feel bigger and real
C.The other ways to make the benefits of action feel smaller and unreal
D.The perils of procrastination

【答案】 B
29、Passage 4
A.the visit to the United Kingdom was amazing
B.Kieran has made great progress in many aspects
C.the youth have found a way to solve their problems
D.the mentoring sessions are held every day except Friday

【答案】 B
30、WangHong speaks English very well.
A.I hope so
B.I hope not
C.I think so
D.I don’t think so

【答案】 C
31、毛泽东对“实事求是”这句话作了科学解释的著作是（　　）。
A.《改造我们的学习》
B.《论联合政府》
C.《关于领导方法的若干问题》
D.《论人民民主专政》

【答案】 A
32、Serena often has a long discussion with ______ colleagues about sales figure forecast for Q1 FY 2014.
A.herself
B.hers
C.her
D.she

【答案】 C
33、邓小平提出的“三个有利于”标准具有内在的联系性，其中最基本的是（）。
A.提高人民的生活水平
B.发展生产力
C.巩固社会主义制度
D.增强社会主义国家的综合国力

【答案】 B
34、Action Aid also accuses British Foods ______ using its branch companies to reduce its taxes in Africa by millions of dollars.
A.in
B.of
C.for
D.to

【答案】 B
35、资料：Talk about Christmas in July. Carrie Rocha has already started her holiday shopping. “A few weeks back I picked up a $60 toy for $4, and, truth be told, I picked up a whole lot more than that,” she wrote in an email. “I spent about $80 total and got $350+ in toys.”
A.those with abundant money to waste
B.those common people who give others presents during holidays
C.those who never celebrate festivities and have no relatives
D.those under stress from both work and life

【答案】 B
36、商业银行的贷款，按照贷款保全方式可分为（ ）。
A.长期贷款和短期贷款
B.信用贷款和担保贷款
C.企业贷款和个人贷款
D.正常贷款和关注贷款

【答案】 B
37、The sudden heavy rain（　　）our holiday plan.
A.damaged
B.destroyed
C.sabotaged
D.spoiled

【答案】 D
38、资料：Changing careers is becoming more popular. Not just because there are more career options available, but also out of necessity. As new industries arise, others die. It's up to you to figure out if your career is still going to be around in the next 5-10 years. Some studies say we could have as many as nine careers in our professional lifetime. Which begs the question: do you know what it takes to successfully change career lanes repeatedly?
A.As new industries arise, the popularity of different careers also change
B.Nowadays people don’t know what they really want to do
C.Because changing careers is becoming more popular
D.Because one could have as many as nine careers in his professional lifetime

【答案】 A
39、下列属于中国银行业监督管理委员会监管标准的有（ ）。
A.促进金融稳定与金融创新
B.监管成本最优
C.增进市场信心
D.增进公众对现代金融的了解

【答案】 A
40、资料：Faces, like fingerprints, are unique. Did you ever wonder how it possible for us to recognize people? Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child or even an animal, such as a pingeon can learm to recognize faces. We all take this ability for granted.
A.People differ from each in appearance
B.Different people may have different personalities
C.People can learn to recognize faces
D.People can describe all the features of others

【答案】 D
41、计算机硬件的五大基本构件包括运算器、存储器、输入设备、输出设备和（　　）。
A.显示器
B.控制器
C.磁盘驱动器
D.鼠标器

【答案】 B
42、通过向投资者发行股份或受益凭证募集资金，再对各类金融产品进行组合投资的金融 机构是（ ）。
A.商业银行
B.投资银行
C.保险公司
D.投资基金

【答案】 D
43、中国进出口银行的主要任务不包括（ ）。
A.筹集和引导境内外资金
B.执行国家产业政策和外贸政策
C.为扩大我国机电产品和成套设备等资本性货物出口提供政策性金融支持
D.促进对外贸易的稳定发展

【答案】 A
44、“豆蔻”指女子（　　）岁。
A.20
B.13
C.15
D.16

【答案】 B
45、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager of the supermarket. But in either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them.
A.borrow a book from the library
B.look after your children
C.drive to the seaside for a holiday
D.dine at a restaurant

【答案】 D
46、The teaching building was named______the person who donated money for it.
A.with
B.after
C.by
D.from

【答案】 B
47、 根据《中华人民共和国行政处罚法》的规定，对于违法行为轻微并及时纠正，没有造成危害后果的当事人，应当（　　）。
A.从轻处罚
B.减轻处罚
C.免予处罚
D.从重处罚

【答案】 C
48、下来关于“服务业营业税改征增值税”的说法正确的是（ ）。
A.服务业营业税改征增值税是指根据服务业的营业税修改增值税
B.改革只针对腋务行业
C.服务业营业税改征增值税是指对服务业由征收营业税改为征收增值税
D.试点行业的总体税负略有增加

【答案】 C
49、The suspicion that the servant is dishonest has proved（ ）true.
A.all too
B.too all
C.much too
D.too much

【答案】 A
50、 审计人员一般运用（　），审查以外埠存款购进的全部商品、材料和其他物品，看其有无超出采购存款的用途。
A.详查法
B.盘点法
C.抽查法
D.询问法

【答案】 A
51、当某厂商以最小成本生产既定产量时,那它（ ）。
A.总收益为零'
B.一定获得最大利润
C.一定未获得最大利姻
D.无法确定是否获得最大利润

【答案】 D
52、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.Some jobs are too dangerous for women
B.Men are hunting higher paid jobs in other places
C.In specific areas women are paid higher than men
D.Women have the choice of not bearing children

【答案】 B
53、 下列担保中，属于人的担保的是（　　）。
A.保证担保
B.留置担保
C.抵押担保
D.质押担保

【答案】 A
54、资料：Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would you like to join her for dinner again？” Then you find out that your burger has been cooked and placed on the table. Forget the fact that you are with another date and are on a diet that doesn’t include burgers.
A.show the good services offered in some web restaurants
B.criticize some restaurants for the poor services
C.show the Internet’s ability to collect data on you
D.prove the incredible power of the Internet to change your diet

【答案】 C
55、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.Its statistics look embarrassing
B.It is invalid in terms of methodology
C.It deserves our closest attention
D.Its conclusion is purposely exaggerated

【答案】 B
56、根据我国《合同法》的规定，存在下列（　　）情形的合同，当事人一方有权请求人民法院或者仲裁机构撤销合同。
A.因重大误解订立的
B.损害国家利益的
C.以合法形式掩盖非法目的
D.违反法律、行政法规的强制性规定的

【答案】 A
57、一次化妆舞会中，男士戴着蓝色的帽子，女士戴着红色的帽子。每个男士看见的蓝色帽子比红色帽子的2倍还多6个，每位女士看见的蓝色帽子是所见红色帽子的3倍。那么房间里一共有（　　）人。
A.37
B.27
C.39
D.29

【答案】 A
58、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?
A.make suggestions on facing the reality and modifying expectations
B.advocate that e-government is costly and useless
C.explain why e-government is no longer popular
D.persuade governments to cut the cost

【答案】 A
59、123，628，235，347，279，（　　）
A.567
B.246
C.389
D.893

【答案】 B
60、资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lot's take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.
A.incur less cost by the company to offer benefit programs
B.cover many of the gaps that traditional health benefits do not cover
C.help employees who are dealing with tough personal and career matters
D.encourage employees to stay with their companies for longer periods of time

【答案】 B
61、与消费物价变动密切相关，最活跃的货币是（ ）。
A.M1
B.M2
C.M0
D.M

【答案】 C
62、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
63、“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
64、如果一个社会的收入是绝对平衡的,那么，基尼系数将（ ）。
A.等于1
B.等于0
C.大于1
D.小于0

【答案】 B
65、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 abou