2026年备考银行招聘之银行招聘综合知识自我测验试题高频卷附答案.docx

2026年备考银行招聘之银行招聘综合知识自我测验试题高频卷附答案

单选题（共150题）
1、资料： The poverty line is the minimum income that people need for an acceptable standard of living. People with incomes below the poverty line are considered poor. Economists study the causes of poverty in order to find solutions to the problem.
A.Confidence
B.Ability
C.Diligence
D.Willpowe

【答案】 D
2、电脑以其卓越的性能，可以代替人们完成复杂而繁重的某些工作。如两名美国科学家用电脑做完了200亿个逻辑判断，终于证明了“四色定理”。这一事实说明（）。
A.电脑能模拟人脑的思维
B.电脑的思维将指挥人脑的思维
C.电脑的思维将超越人脑的思维
D.电脑的思维能完全代替人脑的思维

【答案】 A
3、资料：Memo
A.Your Best Fitness Plan
B.Green Eats
C.The Olymplan’s Cookbook
D.The Pharaoh’s Lives

【答案】 B
4、下列历史人物中，存在师生关系的有（　　）个。
A.0
B.1
C.2
D.3

【答案】 C
5、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
6、银行承兑汇票期限自出票之日起最长不超过（　　）。
A.3个月
B.6个月
C.1年
D.2年

【答案】 B
7、Land is a major social and political issue, very explosive and very much inclined to ______ a lot of conflict in different parts of the country.
A.provoke
B.irritate
C.inspire
D.hoist

【答案】 A
8、When we read，we construct a mental _______ of the text in our minds，much as we do when we took at an area of land and create a mental map in our heads.
A.representation
B.imagination
C.interpretation
D.identification

【答案】 A
9、下列说法不正确的是（ ）。
A.舞低杨柳楼心月——柳永
B.两情若是久长时——秦观
C.此情无计可消除——李清照
D.可惜流年、忧愁风雨——辛弃疾

【答案】 A
10、国际通行的贷款五级分类，既正常、关注、次级、可疑、损失贷款，其中（　　）为不良贷款。
A.后三类
B.后二类
C.前三类
D.前二类

【答案】 A
11、资料：To：Sherry Linton
A.A memo
B.A minutes
C.An announcement
D.A notice

【答案】 D
12、资料：Job Responsibilities:
A.every month
B.every two weeks
C.every week
D.every day

【答案】 B
13、以（　　）为主体形成的外汇供求，已成为决定市场汇率的主要力量。
A.各国中央银行
B.外汇银行
C.外汇经纪商
D.跨国公司

【答案】 B
14、按借贷协议在一定时期可以变动的利率是（ ）。
A.固定利率
B.浮动利率
C.一般利率
D.优惠利率

【答案】 B
15、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.psychologist
B.behaviorist
C.writer
D.sociologist

【答案】 A
16、The poor man’s clothes are as ___ as a scarecrow’s.
A.rampant
B.ragged
C.regale
D.remiss

【答案】 B
17、Paper-markingis__of ancient China.
A.one of greatest inventor
B.one of the greatest inventors
C.one of greatest invention
D.one of the greatest inventions

【答案】 D
18、汇率贴水是指( )。
A.远期汇率比即期汇率贵
B.远期汇率比即期汇率便宜
C.市场汇率比官方汇率贵
D.市场汇率比官方汇率便宜

【答案】 B
19、 下列选项中属于完全物权的是（　　）。
A.抵押权
B.质权
C.所有权
D.留置权

【答案】 C
20、资料：When we see well，we do not think about our eyes very often. It is only when we cannot see perfectly that we realize how important our eyes are.
A.astigmatic
B.far-sighted
C.suffering from cataracts
D.near-sighted

【答案】 D
21、Today，China’s massive industrialization and_____for cars have made it dependent on oil imported from the Middle East and Africa .
A.nostalgia
B.substitution
C.mania
D.anecdote

【答案】 C
22、The president came out of the house, ____by his 3 bodyguards.
A.follows
B.followed
C.following
D.follow

【答案】 B
23、20世纪30年代，美国经济危机产生的直接原因是生产和销售之间的矛盾加剧。加剧这 一矛盾的因素有（ ）。
A.①②③
B.②③④
C.①②④
D.②③

【答案】 A
24、下列诸侯中，不属于“春秋五霸”的是（　　）。
A.秦孝公
B.宋襄公
C.楚庄王
D.齐桓公

【答案】 A
25、CFCs were banned when world leaders signed _____called the Montreal Protocol in 1987.
A.a contact
B.contact
C.agreement
D.an agreement

【答案】 D
26、资料：Desktop Support for Private Equity Firm in Midtown
A.Supporting PC hardware
B.Installing and upgrading hardware
C.Bringing repaired PCs to customers
D.Imaging and configuring desktops and laptops

【答案】 C
27、Passage 4
A.critic
B.indifferent
C.partial
D.positive

【答案】 D
28、优先股不享有的权利是（ ）。
A.优先清偿权
B.优先分配权
C.股息固定
D.优先认购公司新发股票

【答案】 D
29、掠夺交易是指以强制手段为基础、一方强迫另一方的利益转移(包括其承载物的转移>。下列不属于掠夺交易的是( ）。
A.甲有一幅非常珍贵的古名画，乙知道后千方百计想得到，就请甲的领导出面，用一幅现代名画将乙的那幅画换到手
B.张某摆了一个杂货摊点，一天，有一人来买塑料面盆，她拿出一元钱塞给张说：“我知道你卖三元一只，我们是邻居，就一元卖给我吧。”说完就拿走了面盆
C.小李家正搞装潢，谁知预算失误，少买了几平米某名牌木地板，急需补上，经销商谎称木地板涨价，必须加价，最终小李以三倍的价格买回所需地板
D.小王和小章是两位集邮爱好者，他们常常交换邮品，虽然有时用以交换的邮品价格悬殊，但双方都非常乐意，毫无怨言

【答案】 D
30、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.1850
B.1852
C.1846
D.1848

【答案】 A
31、（　　）是金融市场所具有的主要宏观功能。
A.价格发现
B.减少搜寻成本和信息成本
C.提供流动性
D.实现储蓄—投资转化

【答案】 D
32、如果一个公司经营状况严重恶化，要谨慎采用哪种用组织变革方式？（　　）
A.改良式
B.渐进式
C.计划式
D.爆破式

【答案】 D
33、2017年4月份，某省规模以上食品工业增加值同比增长15.0%，比全省规模工业平均水平高9.4个百分点。其中，农副食品加工业增长14.0%，食品制造业增长18.6%，酒、饮料和精制茶制造业增长13.9%。1—4月，规模以上食品工业产值累计增长11.6%，增幅比全省规模工业平均水平高4.5个百分点。
A.9.5
B.10.2
C.11.4
D.12.6

【答案】 C
34、There is a note pinned to the door（　　）when the shop will open again.
A.saying
B.says
C.said
D.having said

【答案】 A
35、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.The Russia’s 2017 economic growth forecast has been revised higher
B.The leading economies have achieved sustainable long-term growth
C.The OECD is not optimistic about China's economic growth
D.India's economic growth forecast have been upgraded

【答案】 A
36、下列产品中，能够计入当年GDP的是（　　）。
A.中央政府对地方政府的转移支付
B.某人花100万美元在美国买的一栋新房
C.企业从国外购买的一台服务器
D.某企业当年生产没有卖掉的20万元产品

【答案】 D
37、“谷贱伤农”经济现象的根源在于：农产品的需求价格弹性（　　）。
A.小于1
B.大于1
C.等于1
D.为0

【答案】 A
38、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
39、The chipmunk （金花鼠） builds its nest in either an underground burrow______.
A.in a hollow limb
B.or a hollow limb
C.builds in a hollow limb
D.by a hollow limb

【答案】 B
40、Are you going out? Yes, please lock the door when you ___ .
A.will leave
B.leave
C.have been leaving
D.will have left

【答案】 B
41、If you’ve ever played with magnets, you know that opposite poles attract and like poles ______ each other.
A.haul
B.repel
C.dispose
D.snatch

【答案】 B
42、Renewable electricity generation is now on par with ______ of natural gas, which remained relatively stable in last years.
A.the one
B.which
C.that
D.what

【答案】 C
43、 下列选项中，不属于会计核算的基本前提(假设)的是( )。
A.会计分期
B.会计主体
C.复式记账
D.持续经营

【答案】 C
44、How often ___ your teeth examined?
A.are you having
B.do you have
C.have you get
D.you have

【答案】 B
45、某企业对以外币结算的款项减少业务的核算，以前都按原入账时的汇率作为账面汇率，但 从本年初起，经董事会同意，改按加权平均法并已在会计报告中加以说明。对于上述会计 方法的重要变动，如企业不再作出任何调整，注册会计师应出具（ ）。
A.无保留意见审计报告
B.保留意见审计报告
C.否定意见审计报告
D.无法表示意见审计报告

【答案】 A
46、在有关科学实践中，没有使用（　　）的仪器，经过（　　）的调查进行（　　）的论证往往很难得出结论。
A.周密严密细密
B.精密周密细密
C.细密严密周密
D.精密周密严密

【答案】 D
47、资料：The personal computer was a revolution in information technology that spawned a $50 billion hardware business, with another $30 billion in software and peripherals （eg. mouse, keyboard, printer, etc.） by 1991. During its short 15 years, the industry evolved through three successive periods. During its first 5 to 6 years, it was characterized by explosive growth and multiple, small competitors vying for a piece of the market. From 1981 to 1985, the industry became a battle for standards and retail shelf space. The third era was one of increasing fragmentation. From 1986 through 1991-1992, new manufacturers from around the world grabbed from the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowed.
A.Sharing applications between machines
B.Programming on the computer
C.Writing contracts on the computer
D.Buying keyboards and printers

【答案】 A
48、最早建立存款保险制度的国家是（ ）。
A.英国
B.美国
C.法国
D.加拿大

【答案】 B
49、He cancelled all the ___ on the ground that he needed a rest.
A.encouragement
B.engagement
C.schedule
D.employment

【答案】 B
50、Passage 3
A.They have to cancel their vacations in New England
B.They find it unaffordable to dine in mom-and-pop restaurants
C.They have to spend more money when buying imported goods
D.They might lose their jobs due to potential economic problems

【答案】 C
51、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
52、Airlines are already increasing their price on the____that fuel prices are going to rise.
A.consumption
B.destruction
C.assumption
D.presumption

【答案】 C
53、—Guess,how much does it cost?
A.from
B.between
C.among
D.with

【答案】 B
54、Susan made（　　）clear to me that she wished to make a new life for herself.
A.That
B.this
C.it
D.her

【答案】 C
55、下列句子中语序排列最连贯的一项是（　　）。
A.（4）（1）（3）（5）（2）
B.（1）（4）（3）（5）（2）
C.（1）（5）（2）（4）（3）
D.（4）（3）（5）（2）（1）

【答案】 B
56、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
57、It's too（　　）to do the bungee jumping from the cliff.
A.residential
B.remote
C.risky
D.ridiculous

【答案】 C
58、 He appreciated ______ the chance to deliver his thesis in the annual symposium on Comparative Literature.
A.to have been given
B.to have given
C.having given
D.having been given

【答案】 D
59、上层建筑是推动还是阻碍社会的发展决定于（　　）。
A.它所服务的经济基础的性质
B.它是否同自己的经济基础相适合
C.它本身的各个组成部分是否协调
D.它是否有利于公有制的巩固和发展

【答案】 A
60、三篮桃子共重90斤，如果从第一篮中取出13斤放入第二篮，从第二篮中取出8斤放入第三篮，从第三篮中取出2斤放入第一篮，这时三篮桃子的重量相等，原来第二篮中有桃子（　　）斤。
A.21
B.23
C.25
D.27

【答案】 C
61、隔日交割，即在成交后的第一个营业日内进行交割的是（　　）。
A.即期外汇交易
B.远期外汇交易
C.中期外汇交易
D.长期外汇交易

【答案】 A
62、在影响需求价格弹性的因素中，时间因素与商品需求价格弹性大小的关系是（　　）。
A.两者间的关系需要根据具体商品才能判定
B.时间越长，商品需求价格弹性越小
C.时间越短，商品需求价格弹性越小
D.两者间不存在任何关系

【答案】 A
63、2021年1月20日00时25分，我国在西昌卫星发射中心用（　　）运载火箭，成功将天通一号03星发射升空。
A.长征五号乙
B.长征三号甲
C.长征四号乙
D.长征三号乙

【答案】 D
64、关于法定利率与市场利率关系的说法。错误的是（　　）。
A.法定利率对市场利率有重要的影响
B.市场利率随法定利率的变化而变化
C.市场利率与法定利率变化完全一致
D.市场利率是确定法定利率的重要依据

【答案】 C
65、Passage 1
A.they loved this woman deeply and they didn’t wanted her to die
B.the woman had lots of money to be shared as soon as she died
C.they wanted to know the secret of her lifetime happiness
D.they wanted to pray for her after her death

【答案】 C
66、Therefore, individuals may attend higher education to avoid or______their required military service.
A.cancel
B.postpone
C.refuse
D.display

【答案】 B
67、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.readers how to be popular in the world
B.parents how to control and guide their children
C.teenagers how to learn to decide things for themselves
D.people how to understand and respect each other

【答案】 C
68、He said the UK government would allow the island to determine its own____and democracy.
A.equality
B.enhancement
C.agreement
D.development

【答案】 A
69、鱼在游泳时，会产生沿着身体从头到尾的波浪状运动，增加这种波动的频率，就会提高其行进的速度。一股来说，鱼尾摆动的频率在0.1赫兹到20赫兹之间，而目前大多数模仿该种游泳风格的机器鱼，尾摆频率都很低，小于2赫兹，不仅游动速度慢，每秒仅能行进四分之一到一个自身体长，而且很耗能。此次，由美国弗吉尼亚大学生物工程研究实验室朱建忠教授领导的研究团队，以游泳速度快而闻名的黄鳍金枪鱼和大西洋鲭鱼为原型，开发出一种新型机器鱼。机器鱼体长254.3毫米、宽49.2毫米、高67.8毫米，由头部组件、中央致动组件和尾鳞组件3部分组成，其尾摆频率能够达到15赫兹，此时其每秒可行进4个体长的距离，也就是1米。该机器鱼的能量效率表现也很优异，当游泳速度为每秒0.4米时，二个10瓦时电池组可支持其续航9.1公里；当游泳速度为每秒1米时，一个10瓦时电池组可支持其续航4.2公里。研究人员表示，生物学研究可以激发高性能机器人的设计和开发，而黄鳍金枪鱼、大西洋鲭鱼等鲭科类就是研究水下高性能运动行为的理想群体，他们希望通过观察和模仿这些鱼类的运动模式，将其生物特征结合到机器人平台中，以优化仿生型水下航行器的性能，并最终实现超越。
A.黄鳍金枪鱼和大西洋鲭鱼的游泳速度快于一般其他鱼类
B.朱建忠教授及其团队新开发出的机器鱼续航里程4.2-9.1公里
C.鱼在游泳，波浪状运动的频率和行进的速度成正比
D.朱健忠教授及其团队新开发出的机器鱼体长0.25米左右

【答案】 B
70、根据管理方格理论，“乡村俱乐部”领导风格的特点是（　　）。
A.管理者既不关心任务，也不关心人
B.管理者既关心任务，也关心人
C.管理者极端关注人
D.管理者极端关注任务

【答案】 C
71、在银行表外业务中，下列属于金融衍生交易类业务的是（　　）。
A.备用信用证业务
B.承兑业务
C.利率期权业务
D.保函业务

【答案】 C
72、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.arrange schedule according to the deadline
B.drive according to the deadline
C.afraid of the deadline
D.procrastination

【答案】 A
73、对银行机构流动性监管内容不包括（ ）。
A.流动性负债大于自有资本
B.资产负债期限匹配
C.流动性应保持在适度水平
D.银行资产变化情况

【答案】 A
74、在民事诉讼时效斯间的最后6个月内，权利人因不可抗力或者其他障碍不能行使请求的,诉讼时效（ ）。
A.中断
B.中止
C.延长
D.终止

【答案】 B
75、______ that the pilot couldn’t fly through it.
A.The storm so severe was
B.So severe was the storm
C.So the storm was severe
D.Such was the storm severe

【答案】 B
76、世界上最早出现的计算机互联网络是（　　）。
A.Internet
B.SNA
C.ARPAnet
D.Ethernet

【答案】 C
77、银行业监督管理机构对金融机构进行现场检查，应当经（　　）批准。
A.银行业监督管理机构负责人
B.国务院
C.中国人民银行
D.被检查金融机构法人代表

【答案】 A
78、资料：Your Company Logo and Contact Information
A.the transfer of key staff
B.an extensive survey of all employees
C.the help of Jamine Anson
D.some meeting with the staff of Plant Operations

【答案】 A
79、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
80、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financial news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.
A.Banker
B.Librarian
C.Journalist
D.Publisher

【答案】 C
81、根据我国《合同法》的规定，下列关于合同的形式说法正确的是（　　）。
A.合同的形式包括书面形式和口头形式
B.合同的书面形式是指合同书形式
C.合同的形式必须为书面的
D.电子邮件合同是口头形式合同

【答案】 A
82、在Word中，若要将页码作为页眉/页脚编辑状态的一部分插人到文档中，应依次选 择（ ）。
A.“开始’ ‘页眉” “页码”
B.“插入” “页眉 页码”
C.“引用 ‘格式 页码”
D.“插入” “表格 页码”

【答案】 B
83、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.Discuss the