2020-2025年银行招聘之银行招聘综合知识自我提分评估(附答案).docx

2020-2025年银行招聘之银行招聘综合知识自我提分评估(附答案)

单选题（共360题）
1、2013年7月，青岛海域遭受了浒苔的侵袭，它的形成主要是由于（　　）。
A.海水富含氮磷
B.海洋鱼类数量减少
C.海水缺少氧离子
D.区域内大量海洋生物死亡

【答案】 A
2、资料：Because of the biochemical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.
A.the preface of a book
B.an excerpt from a paper on health
C.a book review
D.promotional materials for a book

【答案】 B
3、资料：Business,academic and civic leaders in Cambridge have warned that one of Britain’s major economic growth cities is under threat unless the government acts quickly to restore trust post-Brexit.
A.Serious unemployment
B.Wars
C.Foreign talents drain
D.Social instability

【答案】 C
4、If you（　　）to book a meeting room,please see Ms.Liu at the front desk.
A.have liked
B.were liked
C.would like
D.had liked

【答案】 C
5、“如果三年内不结婚，赠送你一万元”，这个说法（　　）。
A.是有期限的赠与合同
B.无效合同
C.是附有负担的赠与合同
D.是赠与合同

【答案】 C
6、____ just six months ago, Finson’s Grill has quickly become one of the most popular restaurants in Detion.
A.Opened
B.Had been opening
C.Been opened
D.To open

【答案】 A
7、下列各项中．不属于《新巴塞尔资本协议》中“三大支柱”的是（　　）。
A.最低资本要求
B.市场约束
C.综合监管
D.监管当局的监督检查

【答案】 C
8、 同业往来科目属于( )科目。
A.资产负债共同类
B.资产类
C.负债类
D.损益类

【答案】 A
9、某银行因特殊情况集中办理业务，导致窗口出现排队现象。假定每分钟来办业务的顾客增长数量相等，粗略估计，要让排队现象消失，在同时开设4个窗口的情况下需要25分钟，在同时开设6个窗口的情况下需要12.5分钟。则如果需要在10分钟内让排队现象消失，则至少应当开（　　）窗口。
A.7
B.8
C.6
D.5

【答案】 A
10、 下列各项中，不属于账账核对内容的是（　　）。
A.所有总账账户的借方发生额合计与所有总账账户的贷方发生额合计核对
B.本单元的应收账款账面余额与对方单元的应付账款账面余额之间核对
C.现金日记账和银行存款日记账的余额与其总账账户余额核对
D.会计部门有关财富物资明细账余额与保管、使用部门的财富物资明细账余额之间核对

【答案】 B
11、由两个以上的个人共同出资，通过签订协议而联合经营的企业属于（　　）。
A.合伙制企业
B.个人业主企业
C.有限责任公司
D.股份有限公司

【答案】 A
12、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，currently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.
A.Saudi Arabia，UAE，Venezuela
B.Qatar，Kuwait，Nigeria
C.Bahrain，Oman，Qatar
D.Iran，kuwait，Dubai

【答案】 C
13、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.heavy industry
B.governmental headquarters
C.gold mining
D.trade and tourism

【答案】 D
14、Recent decades have witnessed increased globalization of the world economy associated with economic and financial______among countries。
A.integration
B.corporation
C.harmony
D.conflict

【答案】 A
15、“一五”计划的基本任务是集中力量优先发展（　　）。
A.重工业
B.交通运输业
C.轻工业
D.科技和教育

【答案】 A
16、For customer convenience，the manual is available______both microfilm and book forms.
A.on
B.to
C.in
D.for

【答案】 B
17、资料：A high-precision NASA radar instrument left a NASA airport in Southern California for Iceland on January 28 to create detailed maps of how glaciers move in the dead of winter. This will help scientists around the world better understand some of the most basic processes involved in melting glaciers, which are major contributors to rising sea levels.
A.Freeze easily
B.Move quickly
C.Long-lasting
D.Extremely cold

【答案】 C
18、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－购买价格）/市场价格
D.（出售价格－购买价格）/债券面值

【答案】 A
19、提出“复杂人”假设的是（　　）。
A.哈罗德·孔茨
B.亨利·法约尔
C.埃德加·沙因
D.弗雷德里克·泰勒

【答案】 C
20、贾某赴新加坡出差，行前到交通银行兑换500新加坡元，这时银行使用的价格是（　　）。
A.钞买价
B.汇卖价
C.汇买价
D.钞卖价

【答案】 B
21、Together these inventions hugely reduced the cost of blasting rock, drilling tunnels, building canals and many other forms of____work.
A.construction
B.information
C.animation
D.imagination

【答案】 A
22、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
23、扩张性财政政策对经济的影响是（　　）。
A.缓和了经济萧条，也减轻了政府债务
B.缓和了经济萧条，但增加了政府债务
C.缓和了通货膨胀，但增加了政府债务
D.缓和了通货膨胀，也减轻了政府债务

【答案】 B
24、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.
A.express clearly the common goal of the team
B.allow the team leader to make final decisions after discussions
C.create a team randomly
D.monitor the progress of the team

【答案】 C
25、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
26、日前，据路透社报道，美国财政部于2013年4月12日向国会提交的最新一期《国际爱 济和汇率报告》指出，尽管人民币汇价目前仍然被明显低估，但美国政府仍无意将中国这一全海 第二大经济列入（）名单。
A.金融动荡国
B.货币保护国
C.汇率操纵国
D.贸易协定国

【答案】 C
27、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
28、It's such a __ to do the shopping everyday.He is tired of it.
A.duty
B.task
C.chore
D.work

【答案】 C
29、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.Complain again politely
B.Threaten to take further measures
C.Complain in a rude way
D.Report it to the management of the company

【答案】 B
30、我国现阶段的货币政策采用（　　）公式来考量M2增速是否适宜。
A.M2增速=GDP增速+CPI+1%
B.M2增速=GDP增速+CPI+2%
C.M2=GDP增速+CPI
D.M2=GDP增速+CPI+1%至2%

【答案】 C
31、福利部门领用材料，借记（ ），贷记“原材料”和“应交税费——应交增值税(进项税额转出)”。
A.管理费用
B.生产成本
C.应付职工薪酬
D.销售费用

【答案】 C
32、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
33、It is better to die on one’s feet than（ ）
A.living on one’s knees
B.live on one’s knees
C.on one’s knees
D.to live on one’s knees

【答案】 D
34、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.To reduce the risk of global warming, more should be invested on low-emissions energy sources
B.Climate change is not only a climate issue, but also a business issue
C.It’s more difficult to quantify the greenhouse gas emissions on the Dakota Access than Keystone XL
D.US and China will work together to cope with climate change

【答案】 D
35、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
36、目前，我国中央银行发行的短期债券主要为（ ）。
A.央行回购品种
B.本票
C.可转让定期存单
D.央行票据

【答案】 D
37、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
38、计算机的存储系统通常包括（　　）。
A.内存储器和外存储器
B.软盘和硬盘
C.ROM和RAM
D.内存和硬盘

【答案】 A
39、 明天就是选举日了，以下公民中不具有选举权的是（　　）。
A.张某刚过完l7岁生日
B.黄某被判有期徒刑3年执行中
C.王某被查出患有精神病
D.陈某被拘留l5天执行中

【答案】 A
40、Because his partner had to go to Sydney. Mr. Zazueta had to finish work on the adverting campaign on____.
A.his own
B.himself
C.alone
D.solo

【答案】 A
41、“乐以天下忧以天下，然而不王者，未之有也”与下列哪一观点是同一学派（　　）
A.刑过不避大臣，赏善不遗匹夫
B.天之道，损有余而补不足，人之道，则不然，损不足以奉有余
C.域民不以封疆之界，固国不以山溪之险，威天下以后某不利
D.其用战也胜、久则钝兵挫锐、攻城则倔、久暴师则国用不足

【答案】 C
42、If you do what you really like,you will know how it feels to be（　　）and relaxed.
A.dispassion
B.sober
C.noiseless
D.calm

【答案】 D
43、甲、乙两人现有的效用水平分别为10和20，资源的再配置使得两人的效用发生了变化，属于帕累托改进的一种变动是（　　）。
A.甲的效用变为10，乙的效用变为15
B.甲的效用变为8，乙的效用变为25
C.甲的效用变为8，乙的效用变为30
D.甲的效用变为10，乙的效用变为30

【答案】 D
44、关于产品生命周期理论的意义，以下说法不正确的是（　　）。
A.借助产品生命周期理论，可以分析判断产品处于生命周期的哪一阶段，推测产品发展的趋势
B.产品生命周期理论揭示了任何产品都和生物有机体一样，有一个从诞生－成长－巅峰的过程
C.产品生命周期引导人们通过产品生命周期，了解和掌握出口的动态变化，为制定市场战略提供理论依据
D.它还反映出当代国际竞争的特点，即创新能力，模仿能力，是活的企业生存能力和优越地位的重要因素

【答案】 B
45、采用直接标价法条件下，汇率的上升意味着（ ）。
A.外国货币价值不变
B.外国货币贬值
C.本国货币价值不变
D.外国货币升值

【答案】 D
46、证券发行是指证券发行人以筹集资金为目的，在证券发行市场依法向投资者以同一条件出售证券的行为。证券发行分为公开发行和非公开发行。如果某机构发行者将证券面向少数特定的投资者发行的方式称为（　　）。
A.机构发行
B.有限发行
C.私募发行
D.公募发行

【答案】 C
47、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
48、通常看一个国家经济是否增长，主要是看（　　）。
A.这个国家的工业生产总值是否增加
B.这个国家的货币是否升值
C.这个国家的GDP是否增长
D.这个国家的物价水平是否升高

【答案】 C
49、There was a ___ rush to get everything ready for the unexpected inspection from the superiors.
A.calm
B.mad
C.frantic
D.wild

【答案】 C
50、价格变动影响对总收益的影响取决于（　　）。
A.需求收入弹性
B.供给数量弹性
C.供给价格弹性
D.需求价格弹性

【答案】 D
51、____to the Olympics opening ceremony is considered as Dylan’s greatest honor by far.
A.Being invited
B.Be invited
C.Inviting
D.Invited

【答案】 A
52、.对于注销的应收账款，会计部门应在（ ）中予以登记，同时进行追踪控制，以防随后收 回时被内部人员贪污。
A.备査账簿
B.销售发票
C.明细账
D.销售合同

【答案】 A
53、资料：Poor health is not only damaging to employees, it is detrimental to businesses." Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse." says Rubin.
A.It is helpful to the company if the employers can lay off employees with health issues
B.Company discount on gym memberships will surely improve employees’ frequency of exercise
C.Most Americans have suffered from stress-related illnesses
D.To make sure that the employees are aware of the importance of physical and mental health is essential to promote good health in a company

【答案】 D
54、对应付账款进行的分析程序不包括（ ）。
A.计算应付账款对存货的比率、应付账款对流动负债的比率，并与以前期间对比分析， 评价应付账款的整体合理性
B.获取或编制应付账款明细表，复核加计正确，并与报表数、总账数和明细账合计数核对 是否相符
C.分析长期挂账的应付账款，要求被审计单位做出解释，判断被审计单位是否缺乏偿债能力或利用应付账款隐瞒利润
D.利用存货、主营业务收人和主营业务成本的增减变动幅度，判断应付账款增减变动的合理性

【答案】 B
55、 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
56、承担法律责任的主要形式是（ ）。
A.民事制裁
B.刑事制裁
C.行政制裁
D.法律制裁

【答案】 D
57、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.living alone
B.the loss of spouse
C.friends’ death
D.all of the above

【答案】 D
58、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
59、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sitting there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.
A.He wants to challenge the speaker
B.He is getting bored of nodding
C.He is listening carefully
D.He wants to make the dialog stop

【答案】 C
60、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD player or Nokia phone at Best Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.
A.Best Buy's failure in China
B.Chinese local retailers' reason for success
C.Overseas retailers' struggle in the Chinese market
D.The development of retail industry in China

【答案】 A
61、 收入的确认应当满足的条件不包括( )。
A.与收入相关的经济利益很可能流入企业
B.经济利益流入企业的结果会导致企业资产的增加或者负债的减少
C.收入是与所有者投入资本无关的经济利益的总流入
D.经济利益的流人额能够可靠地计量

【答案】 C
62、资料：THOMAS WILSON
A.screening calls
B.managing calendars
C.photocopying documents
D.organizing offices for efficiency

【答案】 C
63、North American______also have a strong reputation in the Indian educational and labor markets.
A.majors
B.degree
C.credits
D.diplomas

【答案】 D
64、 银行会计记账的依据是( )。
A.会计凭证
B.会计科目
C.会计账户
D.会计账簿

【答案】 A
65、20世纪50年代初，中国面临的困境是“能造桌子椅子，能造茶碗茶壶，能种粮食，还能磨成面粉，还能造纸；但是一辆汽车、一辆坦克、一架飞机都不能造”，为改变这一状况，中国政府（　　）。
A.推行了土地改革
B.组织了人民公社
C.实施了“一五”计划
D.发动了“大跃进”

【答案】 C
66、Passage 10
A.takes away babies’appetite
B.distracts children's attention
C.slows down babies’verbal development
D.reduces mother-child communication

【答案】 D
67、资料：October 20,2013
A.He was impressed with its menu
B.The hotel is located close to the company
C.He has special ties with the hotel staff
D.It has become a tradition of the company

【答案】 A
68、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在（　　）以内的中短期债券。
A.六个月
B.一年
C.两年
D.三年

【答案】 D
69、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
70、资料：Are walkers smarter than drivers?
A.Urbanization