2026年备考银行招聘之银行招聘综合知识自我测验试题（备用卷）附答案.docx

2026年备考银行招聘之银行招聘综合知识自我测验试题（备用卷）附答案

单选题（共150题）
1、（　　）是指一个组织在长期发展过程中，把组织内全体成员结合在一起的行为方式、价值观念和道德规范，其具有目标导向、凝聚、激烈、创新等功能。
A.组织机构
B.组织领导
C.组织文化
D.组织安排

【答案】 C
2、当看跌期权的履约价格髙于相关期货价格时，该期权被称为( ）。
A.实值期权
B.虚值期权
C.两平斯权
D.欧式期权

【答案】 A
3、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
4、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.
A.Mr.Zimmer’s idea is that now we are at the critical moment in history, we should take decisive action whether taking the right path or not
B.Mr Zimmer thinks the introduction of the autonomous vehicles will not cause the unemployment and surely will increase the employment because such car drivers will be needed to provide service
C.The author has argued that although there are still some problems in Mr. Zimmer’s predication but the general direction of realizing self-driving cars will be correct
D.Mr.Zimmer provides some variable factors such as companies profits and leagal procedure problems in order to realize the massive transformation of self-driving cars in such a short of time

【答案】 B
5、下列语句排序最为通畅的一项是（　　）。
A.（5）（1）（3）（2）（4）
B.（3）（2）（5）（1）（4）
C.（3）（5）（1）（4）（2）
D.（5）（2）（3）（4）（1）

【答案】 B
6、我国横断山脉是具有国际意义生物多样性的关键地区，横亘（ ）。
A.湘、桂、黔
B.川、滇、藏
C.新、青、藏
D.闽、浙、赣

【答案】 B
7、The fact that people can see themselves succeeding in work as they also______therapy and self-understanding is powerful。
A.succeeded in
B.succeeding in
C.succeed in
D.have succeeded in

【答案】 C
8、央行中期借贷便利（MLF）和央行逆回购性质上属于（　　）。
A.中央银行再贷款
B.常备借贷便利操作
C.利率政策
D.公开市场业务操作

【答案】 D
9、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers don’t necessarily fall into the category of “toxic,”but they’re just kind of a drag with their cynical, pessimistic worldview.If you ‘re dealing with a negative employee,here are 3 steps to take.
A.low income
B.Family stress
C.heavy workload
D.Unsatisfacation at the office environment

【答案】 B
10、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.Bosses push employees to work by sending emails anytime
B.Employees are exhausted by the constant need to check emails
C.Companies mean to stress the workers out by sending emails
D.None of above

【答案】 B
11、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.Revolutionary
B.Reliable
C.Salutary
D.Unassailable

【答案】 A
12、 中国人民银行法律责任的特点是（　　）。
A.中国人民银行负责
B.直接责任者负责
C.直接责任者或中国人民银行负责
D.直接责任者和中国人民银行共同负责

【答案】 B
13、The world population is expected to rise to more than nine billion by 2050，one-third of all people______expected to live in cities。
A.has been
B.are
C.have been
D.have succeeded in

【答案】 B
14、Passage3
A.the rules for dinner time are not strict
B.dinner is always at six in the evening
C.a family offers food only at four in the afternoon
D.people usually invite their guests to dinner later in the evening

【答案】 A
15、—How about_in the river with us?
A.swim；don’t do
B.swim；to do
C.swimming；not do
D.swimming；not to do

【答案】 D
16、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.To illustrate that it will be better if the customer states the specific problem
B.To show that the stereo is really not working
C.To complain about the stereo
D.To stress that something is wrong with the left speaker and the sound

【答案】 A
17、资料：Italy's next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）
A.uneasy
B.awkward
C.furious
D.indifferent

【答案】 A
18、相对剩余价值的获得是（　　）。
A.个别企业提高劳动生产率的结果
B.一个生产部门提高劳动生产率的结果
C.企业劳动生产率高于部门平均劳动生产率的结果
D.整个社会劳动生产率提高的结果

【答案】 D
19、回复上级机关的询问，使用（　　）。
A.通报
B.报告
C.请示
D.通知

【答案】 B
20、企业下列经济业务中，会影响其偿债能力的是（　　）。
A.企业向投资者分配股票股利
B.企业提前支付某供应商货款
C.企业用资本公积转增资本
D.企业用盈余公积弥补亏损

【答案】 B
21、 下列各项中，导致负债总额变化的是（　　）。
A.赊销商品
B.赊购商品
C.收回应收账款
D.用盈余公积转增资本

【答案】 B
22、按照光的波长，从长到短排序正确的一项是（　　）。
A.红外光、紫外光、可见光
B.紫外光、可见光、红外光
C.可见光、红外光、紫外光
D.红外光、可见光、紫外光

【答案】 D
23、无论是绝对剩余价值还是相对剩余价值都是依靠（　　）。
A.延长工人工作时间而获得的
B.提高劳动生产率而获得的
C.增加剩余劳动时间而获得的
D.降低工人的工资而获得的

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

【答案】 A
25、In terms of viewpoints and attitudes, authors may not state ______ that they are neutral, negative, positive or objective.
A.exceptionally
B.empirically
C.explicitly
D.extravagantly

【答案】 C
26、柯达公司是世界上著名的影像产品及相关服务的生产和供应商。面对市场技术的不断革新，柯达公司满足现状没有及时进行技术更新，直到2003年，柯达才宣布全面进军数码产业。最终柯达公司陷入退市困境，体现了管理学中的（　　）。
A.二八法则
B.长板法则
C.青蛙法则
D.木桶法则

【答案】 C
27、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.We prioritize the to-do list and finish the task in time
B.We prioritize and only do things that can be done easily and quickly
C.We look busy but avoid the task that really matters
D.We find endless reasons to defer a task

【答案】 A
28、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
29、下列哪一职位，不属于国务院的组成人员？（　　）
A.国务院副总理
B.国务委员
C.国务院副秘书长
D.审计长

【答案】 C
30、下面（　　）不是计算机局域网的主要特点。
A.地理范围有限
B.数据传输频率高
C.通信延迟时间较低。可靠性较好
D.构建比较复杂

【答案】 D
31、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
32、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
33、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 catastrophic consequences of climate change
B.US efforts in controlling greenhouse gas emissions
C.Investment threats in a changing climate
D.The world is in danger

【答案】 C
34、 固定资产减少时记人( )科目核算。
A.“固定资产清理”
B.“营业外支出”
C.“其他业务支出”
D.“资本公积”

【答案】 A
35、Their happiness was very（　　）.
A.crisp
B.brittle
C.delicate
D.fragile

【答案】 D
36、根据《巴塞尔协议》的规定，以下属于商业银行核心资本的是（ )。
A.中期优先股
B.损失准备
C.附属机构的少数股东权益
D.可转换债券

【答案】 C
37、Ever since book critic Martja Taynbe praised Reinaldo Da Silva’s The Flag Bearer, ____ for it has skyrocketed.
A.structure
B.vision
C.demand
D.effort

【答案】 C
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、 某银行对外提出了“误您一分钟，陪您一元钱”的储蓄服务承诺，从《合同法》角度看，与此号不同的是（　　）。
A.假一罚十
B.二人临柜，复核为准
C.不“火”不要钱
D.童叟无欺

【答案】 B
40、I never imagined that she could walk（　　）far,7 miles per day!.
A.as
B.such
C.that
D.very

【答案】 C
41、假设某公司的权益乘数为2.02，其总资产报酬率为7.39%，销售净利率为4.53%，则其所有者权益报酬率应为（　　）。
A.14.93%
B.9.15%
C.15.25%
D.10.34%

【答案】 A
42、Passage 5
A.brought about a rapid growth of industry and farming in the west
B.attracted many visitors to the construction sites
C.attracted laborers from Europe
D.encouraged people to travel all over the country

【答案】 A
43、____of the twins has passed the examination.
A.Neither
B.Every
C.All
D.Both

【答案】 A
44、资料：International Federation for Scientific Research
A.To invite a researcher to speak at a convention
B.To recommend an academic article
C.To encourage a member to attend a conference
D.To ask a scientist to post research data to a Web site

【答案】 C
45、“床前明月光，疑是地上霜。”在人们的心目中，月亮是圣洁和美丽的化身。然而，俄罗斯科学家研究认为，月球是地球上很多自然灾害的祸源。于是，科学家们呼吁，加强对月球的研究，为人类造福。科学家们的呼吁说明（　　）。
A.①③
B.②④
C.①④
D.②③

【答案】 A
46、在竞争企业优劣势分析的内容中，属于市场营销方面的是（　　）。
A.竞争企业的生产成本水平
B.竞争企业产品系列的宽度与深度
C.市场调研与新产品开发的能力
D.设施与设备的技术先进性与灵活性

【答案】 C
47、She often has difficulty expressing her needs, desires and______.
A.preparations
B.presences
C.presentations
D.preferences

【答案】 D
48、资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than did their parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.
A.The man
B.The woman
C.The children
D.The psychologist

【答案】 C
49、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.It is a whole new technique Apple Inc. applied on iPhone X
B.It has started a revolution in computer-vision industry
C.It has a problem of revocation
D.It has embedded security mechanisms to secure the data on the phone

【答案】 B
50、一般均衡经济理论中，商品的供给和需求依赖于经济体中（　　）的价格。
A.所有其他商品
B.技术研发
C.单一商品
D.相关商品

【答案】 A
51、资料：Bank CD is the instrument uniformly figuring in the investment options of most investors. Bank of India CDs are safe, FDIC insured & offer decent returns. There is no brokerage, no fees or hidden costs. However, the Bank may impose a fee for administrative expenses involved in any legal action in connection with the CD. Look at our ‘Star CD’ plan below.
A.CD is a safe instrument
B.Bank of India is safe
C.CD is insured
D.All of the above

【答案】 D
52、我国正式被批准成为世界贸易组织成员是在（ ）。
A.2001 年 11 月
B.2001 年 9 月
C.2001 年 10 月
D.2001 年 12 月

【答案】 A
53、下列期货产品中，不属于金融期货的是（　　）。
A.货币期货
B.股指期货
C.利率期货
D.黄金期货

【答案】 D
54、In sub-Saharan Africa today, for instance, gross investment____for roughly of national income.
A.estimates
B.accounts
C.constitutes
D.makes

【答案】 B
55、长江以南的广大丘陵地区，分布着一种在当地高温多雨下发育而成的土壤，叫（　　）这种土壤含铁、铝成分较多，有机质少，酸性强，土质黏重。
A.红土地
B.黑钙土
C.黄壤
D.棕壤

【答案】 A
56、Passage 2
A.close hit
B.heavy loss
C.narrow escape
D.big mistake

【答案】 C
57、在体育运动中，运动员需要不时地抹一些白色的粉末，俗称“防滑粉”，那么，防滑粉的主要成分是（　　）。
A.铁
B.钠
C.镁
D.钙

【答案】 C
58、The local area network also connects to a wide area network that allow a message ______ across the country or to other countries.
A.is sent
B.to be sent
C.sending
D.send

【答案】 B
59、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.Because the economy as a whole is growing nowadays
B.Because job opportunities in HR grow faster than the average
C.Because transferred or retired workers need to be replaced in time
D.Because companies begin to recruit HR functions