2026年备考银行招聘之银行招聘综合知识每日一练试题高频卷含答案.docx

2026年备考银行招聘之银行招聘综合知识每日一练试题高频卷含答案

单选题（共150题）
1、 在会计核算原则中，要求合理核算可能发生的费用和损失的原则是指( )。
A.谨慎原则
B.可比性原则
C.一贯性原则
D.配比原则

【答案】 A
2、2020年4月6日电，世界卫生组织5日发布第七十六期新冠肺炎疫情报告。报告认为，目前中国已从疫情遏制阶段进入（　　），中国经验正在帮助其他国家的抗疫行动。
A.拉锯阶段
B.缓解阶段
C.攻坚阶段
D.决胜阶段

【答案】 B
3、资料：Actually, any sale is a gift until you get paid. But exporters are especially concerned, since their buyers might be 10,000 miles away！
A.Business
B.Economy
C.Social
D.Culture

【答案】 A
4、在Excel电子表格中，要在单元格中强制换行，应执行的操作是（　　）。
A.按回车键
B.Alt+回车键
C.Ctr1+回车键
D.Shift+回车键

【答案】 B
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、银行最需要考虑的风险是（　　）。
A.信用风险
B.流动性风险
C.市场风险
D.操作风险

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

【答案】 B
8、The unpleasant memory of the despairing shriek of the princess at the trial（ ）in my mind for days．
A.prolonged
B.insisted
C.rested
D.lingered

【答案】 D
9、It seems somewhat（ ）to expect anyone to drive 3 hours just for a 20-minute meeting。
A.eccentric
B.impossible
C.absurd
D.unique

【答案】 C
10、按照《银行业监督管理法》的规定，银行业金融机构应当严格遵守( ）。
A.资产负债比例管理
B.库存现金管理规定
C.审慎经营规则
D.严格贷款审查

【答案】 C
11、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
12、就业是最大的民生，保市场主体也是为稳就业保民生。各地加大稳岗扩岗激励力度，企业和员工共同克服困难。多渠道做好重点群体就业工作，支持大众创业万众创新带动就业。新增市场主体恢复快速增长，创造了大量就业岗位。2020年全年城镇新增就业1186万人，年末全国城镇调查失业率降到52％。生活必需品保供稳价，居民消费价格上涨25％。线上办公、网络购物、无接触配送等广泛开展。大幅度扩大失业保险保障范围。对因疫情遇困群众及时给予救助，新纳入低保、特困供养近600万人，实施临时救助超过800万人次。
A.国民收入增加
B.政府预算下降
C.投资盈利性下降
D.预期通货膨胀率上升

【答案】 D
13、认为利率纯粹是一种货币现象，利率水平由货币供给与货币需求的均衡点决定的理论是（　　）。
A.马克思的利率决定理论
B.实际利率理论
C.可贷资金论
D.凯恩斯的利率决定理论

【答案】 D
14、生产者的短期成本一定（　　）长期成本。
A.高于
B.低于
C.等于
D.都有可能

【答案】 A
15、央行两次降息，那么，降息对下列人员最有利的是（　　）。
A.30岁，待业青年
B.小张去年毕业，是一家外企的基层员工
C.老王已于2010年退休，现赋闲在家
D.周某65岁，在银行有10万元存款

【答案】 A
16、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
17、It was no____that his car was seen near the bank when the robbery happened
A.coincidence
B.convention
C.certainty
D.complication

【答案】 A
18、金融期权交易最早始于（　　）。
A.股票期权
B.利率期权
C.外汇期权
D.股票价格指数期权

【答案】 A
19、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
20、We also had to collect immense amounts of historical data and ____satellites to monitor the ocean-atmosphere system.
A.make up
B.set up
C.devote to
D.invest in

【答案】 B
21、 2012年10月8日，顺达公司从二级市场上以1050万元(含已宣告但尚未发放的现金股利50万元)进行公司的股权投资，另发生交易费用10万元，顺达公司将其划分为交易性金融资产。2012年12月31日，交易性金融资产的公允价值为1300万元，假定不考虑其他因素，则2012年12月31日顺达公司应就该笔交易性金融资产确定的公允价值变动损益为（　　）万元。
A.300
B.250
C.240
D.290

【答案】 A
22、资料：Desktop Support for Private Equity Firm in Midtown
A.Laptop
B.Mobile phone
C.Radio
D.Printer

【答案】 C
23、多媒体的应用领域十分广阔，包括（ ）。
A.教育和培训
B.家庭娱乐、休闲
C.商业和服务行业
D.以上三项都包括

【答案】 D
24、The boy（ ）when he said that he （ ）the eggs（ ）by the hen in the closet before he（ ）down to have a rest。
A.was lying，had laid，laid，lay
B.had laid，lay，laid，was lying
C.lay，was lying，lain， lay
D.laid，lay，lain，lies

【答案】 A
25、对英镑和美元而言，如果英镑的汇率上升，意味着美元的汇率将（ ）。
A.上升
B.下降
C.不变
D.两者之间没有关系

【答案】 B
26、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
27、After the storm,the lake returned to its usual（　　）state.
A.flaccid
B.placid
C.lucid
D.Acid

【答案】 A
28、下列银行中不是政策性银行的是（ ）。
A.中国农业发展银行
B.国家开发银行
C.中国进出口银行
D.中国农业银行

【答案】 D
29、资料：From: Peter Manx [e-mail]
A.business relationship with ISB International
B.Assistance with an advertising campaign
C.Revisions of a company brochure
D.Technical support for Better Training staff

【答案】 A
30、（）是收文办理的中心环节。
A.批办
B.拟办
C.承办
D.注办

【答案】 C
31、（　　）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
32、资料：The soybean prices ended higher this Monday as traders expect supplies to remain tight.
A.It’s not worth noticing
B.It will rise 15 percent
C.It’s still uncertain
D.It will be razor-thin

【答案】 D
33、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.Make the costs of action feel smaller
B.Make the reward larger than the immediate pain of doing it
C.Make the benefits of action feel bigger
D.All the above

【答案】 D
34、下列哪项不属于计算机内部采用二进制的优点？（)
A.便于硬件的物理实现
B.运算规则简单
C.可用较少的位数表示大数
D.可简化计算机结构

【答案】 C
35、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.Shopping at neighborhood stores are more of Chinese consumers shopping habit
B.Large flagship stores are unpopular in China
C.Americans do not like small, conveniently located retail outlets
D.government ban on free shopping bags has dampened Chinese buyers enthusiasm

【答案】 A
36、2月7日，国务院反垄断委员会制定发布平台经济领域反垄断指南，强调（　　）及配套法规规章适用于所有行业。
A.《反垄断法》
B.《反经济垄断法》
C.《所有行业反垄断法》
D.反垄断法（试行）》

【答案】 A
37、资料：The movement of consumers from public social media to private messaging has been so rapid that Business Insider reported that the combined usage of the top four messaging apps now exceeds the combined usage of the top four social media apps。Falling data prices，cheaper devices，and improved features are helping propel this growth。
A.People are tired of social media
B.App’s improved features
C.People are demanding for real communication
D.Cheaper data and devices

【答案】 A
38、公元前221年，秦王嬴政灭六国，实现统一，建立了秦朝，定都（　　）。
A.洛阳
B.咸阳
C.北京
D.南京

【答案】 B
39、If you have never planted anything,you will not be able to know the pleasure of watching the things you have planed（　　）.
A.grow
B.to grow
C.growing
D.to be growing

【答案】 A
40、经常项目账户的顺差意味着( ）。
A.出口大于进口
B.出口小于进口
C.出口等于进口
D.出口的增加大于进口增加

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

【答案】 D
42、目前市售的USB Flash Disk(俗称优盘)是一种（ ）。
A.输出设备
B.输人设备
C.存储设备
D.显示设备

【答案】 C
43、资料：Keeping the Zeal of a Startup as You Scale
A.Because they often get more supports from the customers
B.Because they often damage the market order
C.Because they often challenge the old companies in many ways
D.Because they often make more momey than old companies

【答案】 C
44、Passage 4
A.build up their confidence at school
B.find work experience opportunities
C.improve their social skills for the future
D.play an active role in the change of society

【答案】 D
45、社会主义市场经济中宏观调控主要运用（　　）。
A.经济手段和法律手段
B.行政手段和计划手段
C.经济手段和行政手段
D.法律手段和行政手段

【答案】 A
46、根据企业会计准则，短期投资一般使用（　　）进行核算。
A.成本法
B.权益法
C.合同法
D.收益法

【答案】 A
47、Care providers also need to help patients to manage their feelings of uncertainty and______them of the benefits of modern medicine and technology which can substantially aid in health improvement。
A.assure
B.insure
C.sure
D.ensure

【答案】 A
48、（　　）how difficult the situation may seem,it is very important to remember that there are others who are in worse situations.
A.As if
B.Even so
C.As though
D.No matter

【答案】 D
49、与零售业相比较，批发业具有自身的特点，以下表述不正确的是（　　）。
A.批发业基本属于资本密集型行业
B.服务项目相对较少
C.平均每笔交易量少，交易次数频繁
D.批发业的商圈比较大

【答案】 C
50、生物体构造的主要物质是（ ），生命遗传的物质基础又是（ ）。
A.细胞；蛋白质
B.蛋白质；核酸
C.蛋白质；细胞
D.细胞；核酸

【答案】 B
51、下列操作中，不能完全清除文件型计算机病毒的是（　　）。
A.删除感染计算机病毒的文件
B.将感染计算机病毒的文件更名
C.格式化感染计算机病毒的磁盘
D.用杀毒软件进行清除

【答案】 B
52、“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
53、She told us that classification is a useful（　　）to the organization of all kinds of knowledge.
A.means
B.approach
C.mode
D.manner

【答案】 B
54、下列属于道家思想的是（　　）。
A.尽其心者，知其性也，知其性，则知天矣
B.为无为，事无事，味无味
C.以子之矛，攻子之盾
D.食必常饱，然后求美；衣必常暖，然后求丽；居必常安，然后求乐

【答案】 B
55、The______goal of the project is to expand the scientific knowledge relevant to improving health outcomes for women and children in low income countries.
A.entire
B.total
C.target
D.overall

【答案】 D
56、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
57、资料：There's a good chance that spicy crunchy tuna roll you ordered for lunch doesn't actually contain any tuna at all.
A.To emphasize the importance of seafood providers' responsibilities
B.To show that the problem of fake or mislabeled fish has already been solved
C.To introduce a new technology of scanning
D.To illustrate that seafood providers also take actions to reduce fraud

【答案】 D
58、I hear many parents saying that their teenage children are rebellion.I wish it were so.At your age you ought to be growing away from your parents.You should be learning to stand on your own two feet.But take a good look at the present rebellion.It seems that teenagers are all taking the same way of showing that they degree with their parents.Instead of striking out bravely on their own,most of them are trying to seize at one another’s hands for safety.
A.are not sure of themselves
B.have much difficulty in understanding each other
C.dare not do things
D.are very much afraid of getting lost

【答案】 A
59、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market. Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.
A.team of PC insiders invented weixin for Tencent
B.team of outsiders acquired by Tencent invented Weixin
C.Tencent asked the QQ insiders team to create a product
D.Tencent copied a pioneering Israeli messaging service

【答案】 B
60、在公告的总体结构中，可以缺少的一部分是（　　）。
A.标题
B.正文
C.主送单位
D.成文时间

【答案】 C
61、国际分工产生与发展的基础是（　　）。
A.自然条件
B.人口规模
C.资本的国际化
D.国家的出现

【答案】 A
62、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
63、下列关于经济资本和监管资本的说法中，错误的是（　　）。
A.账面资本是银行资本金的静态反映，反映了银行实际拥有的资本水平
B.经济资本在数额上与非预期损失相等
C.监管资本是监管当局规定的银行必须持有的与其业务总体风险水平相匹配的资本
D.监管资本是一种虚拟的、与银行风险的非预期损失额相等的资本

【答案】 D
64、May is as（　　）as a peacock and always wants to be the center.
A.beautiful
B.smart
C.slender
D.vain

【答案】 D
65、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
66、Her parents insist that she____alone.
A.live
B.lives
C.lived
D.is living

【答案】 A
67、Henry found it difficult to get his British jokes（　　）to Chinese audience.
A.across
B.deal
C.over
D.down

【答案】 A
68、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.It forbids customers to go
B.It helps you gain new customers
C.Because of customers are using their smartphone to seek customer service
D.It prevent losing customers entirety

【答案】 B
69、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
70、 某区政府在整顿市容时对某个农贸自由市场作出了关闭的决定，该行政行为属于（　　）。
A.行政确认行为
B.行政征收行为
C.具体行政行为
D.抽象行政行为

【答案】 C
71、资料：Economic performance is improving in most of the world's leading economies but is still short of a self-sustaining upswing, the Organization for Economic Cooperation and Development said on Wednesday.
A.More efforts will be needed to ensure a sustained economic growth
B.Investment from the government contributes most to the world economy
C.The market is pessimistic on the world economy
D.The world economy is growing rapidly and steadily

【答案】 A
72、“只有错买的，没有错卖的”指普遍存在于经济生活中的（　　）。
A.道德风险
B.逆向选择
C.信息不对称
D.测量误差

【答案】 C
73、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch t