2020-2025年银行招聘之银行招聘综合知识题库附答案（典型题）.docx

2020-2025年银行招聘之银行招聘综合知识题库附答案（典型题）

单选题（共360题）
1、The first IC’s were made____the early 1960’s.
A.in
B.from
C.for
D.of

【答案】 A
2、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.those who have many work experiences
B.those who are likely to quit in a year
C.those who are friendly to colleagues
D.those who are skilled as well as committed

【答案】 D
3、股票发行中一般不被世界各国所采用的发行价格是（ ）。
A.面值发行
B.溢价发行
C.折价发行
D.中间价发行

【答案】 C
4、下列（ ）只能当作输入设备。
A.扫描仪
B.打印机
C.读卡机
D.磁带机

【答案】 A
5、“虎求百兽而食之，得狐。狐曰：‘子无敢食我也。天帝使我长百兽，今子食我，是逆天帝命也。子以我为不信，吾为子先行，子随我后，观百兽之见我而敢不走乎!’虎以为然，故遂与之行。兽见之皆走。虎不知兽畏己而走也，以为畏狐也。”老虎之所以犯这种错误，在于割裂了（　　）。
A.必然与偶然之间的关系
B.内容与形式之间的关系
C.本质与现象之间的关系
D.可能与现实之间的关系

【答案】 C
6、资料：It's almost considered sacrilegious today to leave work at the end of your workday or（for shamel）on a Friday and simply not check your email until you return the office during normal working hours.
A.It’s shame if you check your email all the time
B.The employees are willing to leave work at the end day of the workday
C.The employees are expected to answer emails although it's not working time
D.Work email is the essential part in worker’s daily life

【答案】 C
7、Passage 2
A.one-sided
B.reasonable
C.puzzling
D.well-based

【答案】 A
8、Fossil fuels are and will be still ______ for at least the next two-three decades at relatively low costs.
A.productive
B.convenient
C.renewable
D.available

【答案】 D
9、我国刑法在时间效力方面采用的原则是（ ）。
A.从旧兼从重
B.从旧兼从轻
C.从新兼从重
D.从新兼从轻

【答案】 B
10、资料：Special needs students can not only learn from regular education teachers, but can participate in collaborative learning with mainstream students as well. Collaborative learning allows students to work together in groups to complete lessons and assignments.
A.It is desired for students with special needs
B.It is tutored by regular teachers for mainstream students
C.It is planned for collaborative learning by mainstream students
D.It has students with special needs and regular education classmates

【答案】 D
11、Passage 7
A.concrete returns for gift-givers
B.sizable gains in the form of gifts
C.leaking secrets intentionally
D.breaking contracts officially

【答案】 A
12、银行存款余额调节表中调节后余额不相等，说明企业或银行账面记录（ ）。
A.肯定有错误
B.肯定没有错误
C.一般有错误
D.—般没有错误

【答案】 C
13、当流通领域中存在两种本位币流通时，容易出现“格雷欣法则”现象，这种现象是指（　　）。
A.良币把劣币赶出流通领域
B.劣币把良币赶出流通领域
C.良币与劣币在流通领域平等流通
D.良币与劣币同时退出流通领域

【答案】 B
14、Many English boys go to boarding school at the age of seven.They usually （ ）quickly and are very happy.
A.get along
B.carry on
C.bring up
D.settle down

【答案】 D
15、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
16、A ____________of the subject's structure and its relationship to other subjects should be acquired before the literature is approached.
A.grip
B.grasp
C.grab
D.snatch

【答案】 B
17、人民代表大会制度的核心内容是（　　）。
A.民主集中制
B.国家的一切权力属于人民
C.坚持中国共产党的领导
D.广泛的人民参与

【答案】 B
18、The fact is that _____ is given to seniority and many people would rather be the tail of a lion than the head of a dog.
A.priority
B.focus
C.emphasis
D.attention

【答案】 A
19、商业银行财务管理的核心内容是（ ）。
A.资本金管理
B.利润管理
C.财产管理
D.成本管理

【答案】 D
20、关于商业银行理财业务的特点，下列表述不正确的是（　　）。
A.银行是理财业务风险的主要承担者
B.银行理财业务是“轻资本”业务
C.理财业务是一项金融知识技术密集型业务
D.商业银行理财业务运作的不是银行自有资金，而是客户委托资金

【答案】 A
21、十进制数250转换成二进制整数是（　　）。
A.01101010
B.01101000
C.11111010
D.01100110

【答案】 C
22、根据《民法典》规定，甲与乙对丙企业的债务同时提供保证担保，没有约定担保方式和担保份额的，丙的债权人丁可以要求甲、乙以怎样的方式承担担保责任？（　　）
A.可以要求甲或乙独立承担全部债务，担保方式为一般担保
B.可以要求甲或乙独立承担全部债务，担保方式为连带担保
C.只能要求甲、乙分别承担一半债务，担保方式为一般担保
D.只能要求甲、乙分别承担一半债务，担保方式为连带担保

【答案】 A
23、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
24、——“Is there（　　）here?”
A.anybody
B.everybody
C.somebody
D.nobody

【答案】 B
25、下面属于非票据结算的是（ ）。
A.汇兑结算
B.汇票结算
C.本票结算
D.支票结算

【答案】 A
26、Luo Jingyu,19,has four years of experience of running business.He is also a freshman in the arts department of Hubei University.
A.He had to prepare for his exam
B.The dresses he bought weren’t of high quality
C.Customers didn’t accept his taste in fashion
D.He didn’t have enough money to buy beautiful dresses

【答案】 C
27、由某一银行集团成立股权公司，再由该公司控制或收购两家以上的若干银行而建立的一种银行制度，属于（　　）制度。
A.持股公司制
B.连锁银行制
C.代理银行制
D.总分行制

【答案】 A
28、___ some mistakes, I failed to get the promotion.
A.Because
B.Owing to
C.For the sake of
D.Thanks to

【答案】 B
29、下列关于公告与通告的区别表述错误的是（　　）。
A.从知照范围看，公告面向国内外，而通告面向一定辖区范围的群众
B.从性质上看，公告内容属重要事项或法定事项，重在知照性；通告内容专业性较强，或宣布行政措施，或告知具体事务，兼有知照和约束的性质
C.从发布方式看，公告一般通过新闻媒体发布，通告采用在相关地区张贴或登报、广播的方式
D.从公文类型上看，公告属于法定公文，通告属于事务文书

【答案】 D
30、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
31、Passage 3
A.keep students from being unrealistic
B.lower risks in choosing careers
C.ease freshmen’s financial burdens
D.relieve freshmen of pressures

【答案】 D
32、123，628，235，347，279，（　　）
A.567
B.246
C.389
D.893

【答案】 B
33、This argument sounds reasonable,but（　　）it’s incorrect.
A.fortunately
B.actually
C.naturally
D.obviously

【答案】 B
34、在同业拆借市场交易的是（ ）。
A.法定存款准备金
B.超额准备金
C.库存现金
D.原始存款

【答案】 B
35、资料：Many people think of internal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides assurance of the dependability of the accounting data used in making decisions.
A.The means of communication
B.The level of performance in all divisions of the company
C.The effectiveness of company policies
D.The financial reports

【答案】 C
36、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.BlackRock is philanthropic fund that cares about climate change
B.Investors can take the opportunities brought by climate change
C.The threat brought by climate change still needs scientific evidence
D.What investors think of the climate change is very important

【答案】 B
37、下列选项中，对古文化常识描述错误的是（ ）。
A.古称兄弟间的老大为“伯”，古代兄弟间以伯、仲、叔、季为排行顺序，古人常在字前加排行次序，如“伯离”、“仲尼”、“叔向”、“季路”等
B.垂髫是古时对60岁以上老妇人的别称，髫是指老人轻软披散的头发
C.古代位居方向有尊卑之称，如南向为胜、尊，以北向为败、卑；以东为主为首，以西为从为次。后渐以“东家”为主人的代称
D.蛾眉,亦作“娥眉”，古代美女的代称，“蛾眉”本为女子长而美的眉毛，代指女子美貌，进而代称美女

【答案】 B
38、通常，“瘦狗类”业务的特征是（　　）。
A.市场增长率高，相对市场占有率低。
B.市场增长率低，相对市场占有率高
C.市场增长率高，相对市场占有率高
D.市场增长率低，相对市场占有率低

【答案】 D
39、根据我国《反洗钱法》及中国人民银行的规定，银行等金融机构在反洗钱方面承担的相关义务不包括（　　）。
A.协助反洗钱调查
B.对反洗钱工作的信息进行适度公开
C.及时报告大额和可疑交易
D.建立内部反洗钱工作机制和规程

【答案】 B
40、Let's face it.Gardening fanatics like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize that fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.
A.The condition of the flowers
B.The arrangement of the garden
C.The appearance oil the garden
D.The scent of the flowers

【答案】 D
41、下列有关债权的说法中正确的有（）。
A.债的标的包括物、给付、智力成果
B.债的标的为给付
C.债的标的为物和给付
D.债的标的为物和智力成果

【答案】 B
42、An in-depth understanding of this emerging phenomenon requires not just the consideration of quantitative studies, but the______of selected quantitative, qualitative and mixed-method study designs.
A.collect
B.pooling
C.pool
D.poll

【答案】 C
43、政府的公共支出（ ）。
A.只能用于提供公共产品
B.只能用于提供部分混合产品
C.主要用于提供公共产品和私人产品
D.主要用于提供公共产品和混合产品

【答案】 D
44、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year.
A.Personalization is on the rise, together with sharing economy
B.IT era is finally coming for travelling industry
C.Businessmen are becoming more and more generous on global business trip
D.Traditional travel agency is about to fade away

【答案】 A
45、Passage 4
A.Large imagination
B.Quick action
C.Great ambition
D.Great investment

【答案】 D
46、吊销违法者的经营许可证是( )。
A.行政命令
B.行政处罚
C.行政处分
D.行政强制执行

【答案】 B
47、He has been studying here for three years,by next summer he_.
A.will graduate
B.will have graduated
C.will be graduated
D.will be graduating

【答案】 B
48、The earth moves around the sun,（　　）we all know it.
A.as
B.which
C.and
D.that

【答案】 C
49、初唐四杰指的是（ ）。
A.王绩、王勃、杨炯、卢照邻
B.沈佺期、宋之问、王勃、骆宾王
C.王勃、杜审言、陈子昂、杨炯
D.王勃、杨炯、卢照邻、骆宾王

【答案】 D
50、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
51、Your natural hair color begins to fade（　　）you grow older,and in time you grow grey.
A.since
B.when
C.while
D.as

【答案】 D
52、资料：In the United States of America, banks are categorized into the federally-chartered bank which received their charter from the Office of the Comptroller of the Currency（OCC）; these are referred to as “National Banks”; and also the states-chartered banks which receive their charter from the superintendent to as “State Banks”. Banks are allowed to register either with the federal or the state authority. Let us now look at the organizational structure of Commercial Banks, which include unit banking, group banking and branch banking.
A.FRA
B.Laws of states
C.Fed
D.OCC

【答案】 C
53、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
54、资料：From:prorno@
A.He has shopped at Fruittisom’ s online store
B.He has been charged incorrectly for an order
C.He has worked for Fruittisom
D.He has reported a late delivery

【答案】 D
55、 当外汇业务发生时，对有人民币外汇汇率的外币，都直接以（　）为记账单位。
A.外币
B.原币
C.外币或者原币
D.依情况而定使用何种货币

【答案】 B
56、Two years ago,Rupert Murdoch’s daughter,Elisabeth,spoke of the“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the only"sorting mechanism"in society should be profit and the market.But"it's us,human beings,we the people who create the society we want,not profit".
A.revealed a cunning personality
B.centered on trivial issues
C.was hardly convincing
D.was part of a conspiracy

【答案】 C
57、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
58、_____often occurs because we lack self confidence and doubt our abilities .
A.Indecisiveness
B.Interference
C.Procrastination
D.Carelessness

【答案】 A
59、中国的文字发展历史源远流长，下列关于字体描述，说法错误的是（　　）。
A.在秦始皇统一中国后，推行的统一文字为小篆
B.小篆的创制是中国第一次系统的将文字书体标准化的过程
C.李斯的《泰山刻石》是小篆刻石的代表
D.张芝是东汉著名书法家，最擅长小篆

【答案】 D
60、Passage 1
A.It reflected the existing big gap between the two economies
B.It neglected many important indicators of people's welfare
C.It covered up the differences between individual citizens
D.It failed to count in their difference in natural resources

【答案】 B
61、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.贯穿诡怪国是

【答案】 D
62、属于典型的负外部性例子的是（ ）。
A.汽车尾气
B.海上灯塔
C.企业对资源的配置
D.义务教育

【答案】 A
63、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.modern agriculture provides enough food
B.many farmers have moved to cities
C.there are more well-equipped tractors
D.many farms are turned into factories

【答案】 A
64、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
65、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
66、资料：Think for a moment of your definition of persuasion. If you are like most business people I have encountered, you see persuasion as a relatively staightforward process. First, you stron