2020年秋季工商银行校园招聘考试真题.pdf

2020 年秋季工商银行校园招聘考试真题年秋季工商银行校园招聘考试真题1.货币的最基本职能是（） 。A.价值尺度和价格标准B.价值尺度和流通手段C.流通手段和支付手段D.流通手段和贮藏手段2.下列资产流动性最强的是（） 。A.短期证券B.短期贷款C.现金资产D.信用社房产3.在项目融资中一般需要（） 。A.抵押担保B.质押担保C.保证贷款D.严谨的担保体系4.一国为了扩大本国大型机器设备或成套设备出口， 指定商业银行或进出口银行向外国进口商或进口商所在地银行提供的贷款，称为（） 。A.直接信贷B.间接信贷C.买方信贷D.卖方信贷5.如果某债券实际预期收益率约为 6%，预期通货膨胀率约为 4%，则该债券名义收益率约为（） 。A.10%B.7%C.24%D.2%6.一张票面价值 200 万元，三月期（从 2008 年 5 月 1 日到 2008 年 7 月 31 日） ，月利息率 5的商业票据，2008 年 6 月 15 日持票到银行办理贴现，贴现的名义年利率为36%。贴现利息为（）万元。A.200（36%/12）*1.5=9B.203*（36%/12）*1.5=9.135C.218*（36%/12）*1.5=9.81D.30（36%/12）*1.5=1.357.市场营销理论的中心是（） 。A.消费B.交换C.需求D.欲望8.下列不属于新产品定价策略的是（）A 撇脂定价策略B.渗透定价策略C.温和定价策略D.分档定价策略9.厂家按照约定日期以现金付款的经销商， 在原定基础上给予一定比例的折扣优惠， 回款时间越早，折扣力度越大。这属于价格折扣中的（） 。A.现金折扣B.数量折扣C.功能折扣D.季节折扣10.对企业的生产经营活动进行监督、监察、发现偏差、采用纠正措施等的工作是管理的（）职能。A.计划B.组织C.领导D.控制11.要求职业安全、稳定，劳动保护，职业保障，社会保险等，以保证免于危险、恐惧及灾难等，这满足的是（） 。A.安全需要B.尊重需要C.生理需要D.爱与归属的需要12.根据对“管理”定义分析得出，管理的对象是（） 。A.组织活动B.组织目标C.组织资源D.组织活动和组织资源13.美国管理学家卡茨认为，一个主管人员至少应具有的三大基本技能是（） 。A.技术技能、人事技能、概念技能B.技术技能、学习技能、人事技能C.人事技能、学习技能、概念技能D.概念技能、学习技能、技术技能14.根据韦纳的归因理论，员工在工作中取得成功或遭受挫折时，管理者应让员工（） 。A.认识到这是自己能力大小的问题B.认识到这是自己努力程度的问题C.认识到这是自己运气好坏的问题D.认识到这是工作难度高低的问题15.扁平结构下，管理幅度大，管理层次少，因此，它具有以下哪些优点？（）A.信息传递较慢B.上级管理者可能很难真正地发现下级的问题，并采取纠偏措施C.信息传递过程中失真的可能性小D.上级管理者可以有效地对员工进行指导16.买方的损失有限，卖方的损失无限，这种金融衍生工具是（） 。A.远期B.期货C.期权D.互换17.下列属于大额交易的是（） 。A.一笔 25 万元人民币的现金汇款B.当日累计支取人民币 18 万元C.个人银行账户之间当日累计 45 万元人民币的款项划转D.单位银行账户之间一笔 150 万元人民币的转账18.一般会成为整个金融市场利率体系的基准利率是（） 。A.企业债券利率B.公司债券利率C.金融债券利率D.国债利率19.下列关于金融工具和金融市场的叙述，错误的是（） 。A.银行间同业拆借市场属于货币市场，同业拆借是其中的一种短期金融工具B.股票属于直接融资工具，股票市场属于资本市场C.银行间债券市场属于资本市场，债券回购是其中的一种长期金融工具D.贷款属于间接融资工具，其所在市场属于间接融资市场20.报废或毁损的固定资产，扣除有关赔偿款和残料价值后，应计入当期的（） 。A.管理费用B.其他业务成本C.营业外收入D.营业外支出21. 2014 年 2 月 5 日， 甲公司以 1800 万元的价格从产权交易中心竞价获得一项专利权，另支付相关税费 90 万元。 为推广由该专利权生产的产品， 甲公司发生宣传广告费用 25 万元、展览费 15 万元，上述款项均用银行存款支付。甲公司取得该项无形资产的入账价值为（）万元。A.1800B.1890C.1930D.190522.下列银行中，与其他几家性质不同的是（）A 中国工商银行B 交通银行C 中国银行D 中国进出口银行23.银监会规定的核心负债比率，即核心负债负债总额不得低于（） 。A.25%B.50%C.60%D.100%24.中国人民银行的职责是（） 。A.国家的银行B.人民的银行C.银行的银行D.向个人发放贷款25.货币政策四大目标之间存在矛盾，任何一个国家要想同时实现是很困难的，但其中（）是一致的。A.充分就业与经济增长B.经济增长与国际收支平衡C.物价稳定与经济增长D.物价稳定与充分就业26.下列各项中，不属于我国货币市场的是（） 。A.同业拆借市场B.债券回购市场C.外汇交易市场D.商业票据市场27.我国的财务公司是由（）集资组成的。A.投资银行B.政府C.企业集团内部D.商业银行28.下列哪项不是人民币制度的内容（） 。A.唯一法定货币B.以“元”为单位C.银行统一印制发行D.辅币单位为角、分29.下列项目中，会引起企业其他综合收益总额发生变化的有（） 。A.所有者投入资本B.可供出售金融资产公允价值变动损益C.交易性金融资产公允价值变动损益D.企业当期发生的业务招待费30.下列各项中，不应在资产负债表“存货”项目下反映的是（） 。A.生产成本B.发出商品C.工程物资D.库存商品31.企业持有的可供出售金融资产期末按照（）在报表列示。A.历史成本B.公允价值C.摊余成本D.可变现净值32.资产负债表分为左、右两方。下列各项目，属于左方项目的是（） 。A.所有者权益B.利润C.资产D.负债33.下列各项中，影响利润表中“营业利润”项目的是（） 。A.盘亏固定资产净损失B.计提固定资产减值准备C.发生的所得税费用D.转让无形资产的净收益34.下列有关中华人民共和国宪法修正案中土地政策的说法，不正确的是（） 。A.土地的使用权可以依照法律的规定转让B.任何组织不得以侵占、买卖或者以其他的形式非法转让土地C.国家因需要可以依法按照法律规定对土地实行征收或者征用并给予赔偿D.一切使用土地的组织和个人必须合理地利用土地35.在资本主义再生产周期中，既是上一个周期终点又是下一个周期起点的阶段是（） 。A.危机B.萧条C.复苏D.高涨36.市场在资源配置中起决定性作用意味着（） 。A.政府不起任何作用B.政府起辅助性作用C.政府的作用可有可无D.政府要更好地发挥作用37.资本市场和货币市场基础性金融工具划分的标准是（） 。A.交易对象不同B.金融工具发行时的地域不同C.金融资本发行和流通的特征不同D.偿还期限的长短不同38.国债的发行价格低于面值，叫做（）发行。A.折价B.平价C.溢价D.竞价Reading ComprehensionDirections: there are 3 passages in this section. Each passage is followed by some questions orunfinished statements For each of them there are four choices marked A),B),C) and D).Youshould decide on the best choice and mark the corresponding letter on On Monday, October 9th,Prolert Pharmaceuticals, Inc. will begin preliminary testing of the mechanical prototype for thepackaging and labeling assembly line. If the prototype is successful, this sector will begin usingautomated production on the first of November, with other departments to follow when thetiming is appropriate. Packaging and Labeling will be the first of the company s divisions to makethe switch to automated production. The automated technology is an industry standard and isbeing adopted by ProLert Pharmaceuticals in accordance with the decision reached by the boardvoted to directors. After two years of decreased profits and diminishing returns, the board votedto streamline the company, which includes implementing the automated process. Thetechnology has been shown to lower labor costs, and maximize output.For details on the automated process and broader streamlining measures, you can visit ouremployee notice page under . For questions regarding how the newtechnology is forecast to affect employee status, click on “streamlining measures”, or speak tothe Human Resources Manager, Richard Beacon.39. What is this notice mainly about?A. The new guidelines for product packagingB. A change in the method of manufacturingC. Early retirement package dealsD. The efficiency of the packaging staff40. How can readers find out more about the new processes?A. By visiting the companys main marketing website.B. By speaking to Human Resources managerC. By reading the memo entitled “streamlining measures”D. By looking up the employee notice page onlineNet Tech AgreementNet Tech guarantees that all of its machines conform to Net Tech specifications and are free frommanufacturing defects.During the warranty period, Net Tech agrees to repair or exchange anyNet Tech machine that does not meet specifications or contains defects of any kind. Thewarranty period begins on the date of the machines purchase and extends for one year. Themachines date of purchase can be found on the original sales receipt.If, during the warranty period, any part of the machine is removed for a Net Tech conversion orupgrade, the replacement part will fall under the same warranty agreement as the removed part.Unless otherwise specified, the warranty period and service level of the added part will be thesame as that of the Net Tech machine on which it has been installed. This warranty agreementapplies only in the country or region where the Net Tech machine was purchased.41. What type of document is this?A. A warrantyB. A sales receiptC. A gift certificateD. A set of instructions42. What is true about the document?A. It was issued by the manufacturerB. It does not have an expiration dateC. It is valid in more than one countryD. It does not apply to machine upgrades43. What is indicated about replacement parts?A. They are not eligible for a discountB. They are covered under the original warrantyC. They should be installed by a licensed professionalD. They must be returned within seven days for a full refund.Our risk of cancer rises dramatically as we age. So it makes sense that the elderly should beroutinely screened for new tumors or doesnt it?While such vigilant tracking of cancer is agood thing in general, researchers are increasingly questioning whether all of this testing isnecessary for the elderly. With the percentage of people over age 65 expected to nearly doubleby 2050, its important to weigh the health benefits of screening against the risks and costs ofroutine testing.In many cases, screening can lead to surgeries to remove cancer, while thecancers themselves may be slow-growing and may not pose serious health problems in patientsremaining years. But the message that everyone must screen for cancer has become sodeep-rooted that when health care experts recommended that women under 50 and over 74stop screening for breast cancer, it caused a riotous reaction among doctors, patients andadvocacy groups.Its hard to uproot deeply held beliefs about cancer screening with scientific data. Certainly,there are people over age 75 who have had cancers detected by routine screening, and gainedseveral extra years of life because of treatment. But for the remainder, the risk of cancer, whileincreased at the end of life, must be balanced with other factors like remaining life expectancy.A recent study suggests that doctors start to make more objective decisions about who will trulybenefit from screening- especially considering the explosion of the elderly that will soonswell our population.Its not an easy calculation to make, but one that makes sense for allpatients. Dr. OtisBrawley said, “Many doctors are ordering screening tests purely to coverthemselves. We need to think about the rational use of health care.”That means making somedifficult decisions with elderly patients, and going against the misguided belief that when itcomes to health care, more is always better.44. Why do doctors recommend routine cancer screening for elderly people?A. It is believed to contribute to long life.B. It is part of their health care package.C. The elderly are more sensitive about their health.D. The elderly are in greater danger of tumor growth.45. How do some researchers now look at routine cancer screening for the elderly?A. It adds too much to their medical bills.B. It helps increase their life expectancy.C. They are doubtful about its necessity.D. They think it does more harm than good.46. What is the conventional view about women screening for breast cancer?A. It applies to women over 50.B. It is a must for adult women.C. It is optional for young women.D. It doesnt apply to women over 74.47. Why do many doctors prescribe routine screening for cancer?A. They want to protect themselves against medical disputes.B. They want to take advantage of the medical care system.C. They want data for medical research.D. They want their patients to suffer less.48. What does the author say is the general view about health care?A. The more, the better.C. Better early than late.B. Prevention is better than cure.D. Better care, longer life.680 South Federal Street Apt.#4AChicago, Illinois 60605May 4, 1990The National Language Association72 East Jackson StreetSuite 504Chicago, Illinois 60601Gentlemen:I paid $350 for your six-week course, “Learning Spanish the Modern and Effortless Way.” Today,three weeks after registration, I discovered that the fifth meeting of the class is scheduledon a Monday instead of Wednesday. This presents a problem for me because I will be out oftown on business that Monday. This is an important trip that I can not reschedule. When Idiscussed thiswith my instructor after class she was shocked that I had not been informed of thisschedule change at the time if registered. Although the course is difficult, I am enjoying it. Still, itis quite frustrating to be missing one of the classes due to no fault of my own. For this reason Ithink I deserve a refund for the four hours of class I will be missing.I am looking forward to your reply.Yours very truly,John McGrath49. What is Mr. McGraths complaint?A. The course is too difficult.B. The instructor was absent one week.C. He will have to miss a classD. His registration form was lost.50. What does he want the school to do?A. Give him a refundB. Offer individual helpC. Change the class scheduleD. Hire a different instructorDear Ms. Lucketti,On behalf of the Parent Teacher Association, I would like to apologize for the misinformation inour last letter concerning the school board meeting for April. Unfortunately, the wrong date wasincluded in that letter. The school board meeting will not be held on Wednesday, April 13, butinstead on Tuesday, April 12 at 7 P.M. The meeting will be held in the Opelousas Central HighSchool Auditorium as stated in the original letter.Again, we apologize for this oversight and hope it does not discourage you from attending.Asyou know, the new high school curriculum will be discussed at this meeting. As the parent ofan Opelousas Central High School Student, we believe it is important for you to attend thismeeting.If you have any further questions or would like to clarify any information in this letter,please call our office at 948-8045.Sincerely,Fern LeeOpelousas PTA51. Who is Ms. Lee?A. A member of the Opelousas school boardB. An Opelousas Central High School studentC. A teacher at Opelousas Central High SchoolD. A member of the Parent Teacher Association52. For what does Ms. Lee apologize in her letter?A. Not responding soonerB. Not attending a past meetingC. A last-minute schedule changeD. A mistake in a previous letter53. What topic will be covered at the school board meeting?A. The new curriculumB. A building renovationC. A school board electionD. The high school fundraiserCommunications technologies are far from equal when it comes to conveying the truth. The firststudy to compare honesty across a range of communication media has fund that people aretwice as likely to tell lies in phone conversations as they are in emails. The fact that emails areautomatically recordedand can come back to haunt (困扰) youappears to be the key to thefinding.Jeff Hancock of Cornell University in Ithaca, New York, asked 30 students to keep acommunications diary for a week. In it they noted the number of conversations or emailexchangesthey had lasting more than 10 minutes, and confessed to how many lies they told. Hancock thenworked out the number of lies per conversation for each medium. He found that lies made up 14per cent of emails, 21 per cent of instant messages, 27 per cent of face-to-face interactions andan astonishing 37 per cent of phone calls.His results to be presented at the conference on human-computer interaction in Vienna, Austria,in April, have surprised psychologists. Some expected emailers to be the biggest liars,reasoning that because deception makes people uncomfortable, the detachment (非直接接触)of emailing would make it easier to lie. Others expected people to lie more in face-to-faceexchanges because we are most practised at that form of communication.But Hancock says it isalso crucial whether a conversation is being recorded and could be reread, and whether it occursin real time. People appear to be afraid to lie when they know the communication could later beused to hold them to account, he says. This is why fewer lies appear in email than on the phone.People are also more likely to lie in real timein a instant message or phone call, saythan ifthey have time to think of a response, says Hancock. He found many lies are spontaneous (脱口而出的) responses to an unexpected demand, such as:“Do you like my dress?”Hancock hopeshis research will help companies work our the best ways for their employees to communicate.For instance, the phone might be the best medium foe sales where employees are encouragedto stretch the truth. But, given his result, work assessment where honesty is a priority, might bebest done using email.54. Hancocks study focuses on _.A. the consequences of lying in various communications mediaB. the success of communications technologies in conveying ideasC. people are less likely to lie in instant messagesD. peoples honesty levels across a range of communications media55. Hancocks research finding surprised those who believed that _.A. people are less likely to lie in instant messagesB. people are unlikely to lie in face-to-face interactionsC. people are most likely to lie in email communicationD. people are twice as likely to lie in phone conversations56. According to the passage, why are people more likely to tell the truth through certainmedia of communication?A. They are afraid of leaving behind traces of their lies.B. They believe that honesty is the best policy.C. They tend to be relaxed when using those media.D. They are most practised at th