上海市2023年银行招聘之银行招聘综合知识练习试卷A卷附答案.doc

上海市上海市 20232023 年银行招聘之银行招聘综合知识练习试年银行招聘之银行招聘综合知识练习试卷卷 A A 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、以下属于中国金融监管的对象有（）。A.国有商业银行B.农村信用合作社C.信托投资机构D.以上均是【答案】D2、Passage 5A.DefiniteB.DubiousC.SeriousD.Negative【答案】B3、资料：“I wouldnt be here today if not for the generosity ofstrangers,”said Michael Moritz,while announcing a major donationto Oxford University.A former Time Magazine reporter,Mr.Moritzleft journalism to become one of the most successful venturecapitalists in Silicon Valley.Through Sequoia Capital,the firm hejoined in 1986 and has led for many years,Mr.Moritz was an earlyinvestor in Google,Yahoo,PayPal and LinkedIn.His personal fortuneis estimated at well over$1 billion.Oxford University announcedlast Wednesday that he and his wife,the novelist Harriet Heyman,donated 75 million,or$115 million,to fund a new scholarshipprogram aimed at providing financial aid to students from low-incomebackgrounds.Behind the headlines about the size of the gift was afamily story of immigration,education and a sense of obligation thattranscended generations.A.ObjectiveB.IndifferentC.SuspiciousD.Supportive【答案】D4、为贯彻落实房住不炒的政策，各地政府纷纷出台措施，对首套房和套房的信贷政策进行差异化处理，如提高二套房的首付比例。这样的举措属于（）。A.间接性货币政策工具B.一般性货币政策工具C.选择性货币政策工具D.直接性货币政策工具【答案】C5、Dream is a story that a person watches or even takes part induring sleep.Dream events are imaginary,but they are related to realexperiences and needs in the dreamers life.A.how we dream during sleepB.what kind of benefits dreams bring to peopleC.why we dream during sleepD.what dreams are【答案】D6、资料：The hop flower has been used in beer-making at least sincethe eighth century.Traditionally it was a preservative,but it alsoimparts flavor.To some,the taste is bitter and unpalatable,andthus many brewers use only minimal amounts.But,depending on variety,growing conditions,and other factors,hops can impart a range offlavors that connoisseurs say rivals that of wine grapes.Starting inthe nineteen-seventies,small brewers on the West Coast begandramatically upping the amount of hops in their brews.One of theirmost popular products was the India pale ale,or L.P.A.,a brew thathas been around since the late eighteenth century.The story goesthat necessity drove the British to add large quantities of hops inorder to preserve the beer they shipped to India,to quench thethirst of the Sahibs managing the Empire there.A.The British produced large quantities of beerB.The British found one of the most popular products called the Indiapale ale,or I.P.AC.The British made Hop flower a necessity and shipped it in largequantities to IndiaD.The British added more hop flower in beer【答案】D7、We need to get necessary funds so that a complete（）of thefacility can be done.A.renovationB.renovateC.renovatedD.renovates【答案】A8、Could I speak to（）is in charge of International Sales please?A.whoB.whatC.whoeverD.whatever【答案】C9、Recently,Xiangning started to communicate with Mike,the contactperson of Monsell.A.thanks toB.asC.according toD.due to【答案】D10、资料：Global business travel topped$1.2 trillion and is expectedto reach$1.6 trillion by 2020,according to new research by theGlobal Business Travel Association（GBTA）,an associationrepresenting the interests of corporate travel managers.Whats moreChina has now surpassed the U.S.as the largest business travelmarket in the world,ringing up$291 billion last year.A.Immigration RulesB.Straight line upwards in world economyC.US presidential electionD.Weakening global economy【答案】B11、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】A12、He was looking _ at the visiting salesman,who showed no signsof getting ready to leave.A.impatientlyB.impatienceC.patienceD.patient【答案】A13、资料：Good listening is much more than being silent while theother person talks.To the contrary,people perceive the bestlisteners to be those who periodically ask questions that promotediscovery and insight.These questions gently challenge oldassumptions,but do so in a constructive way.Sitting there silentlynodding does not provide sure evidence that a person is listening,but asking a good question tells the speaker the listener has notonly heard what was said,but that they comprehended it well enoughto want additional information.Good listening was consistently seenas a two-way dialog,rather than a one-way“speaker versus hearer”interaction.The best conversations were active.A.Those who periodically ask questions want to take charge of theconversationB.If you give critical opinions,the speaker will be less confidentC.Good listeners should agree with the speakerD.If the speaker creates a comfortable environment,listeners willbecome confident【答案】B14、They failed to pass the exam last time.I regretted（）.A.to be not able to helpB.being unable to helpC.being able to helpingD.not be able to help【答案】B15、紧急避险，是指为了使国家、公共利益，本人或者他人的人身财产和其他权利免受正在发生的危险，不得已而采取的损害另一方较小的合法权益，以保护较大的合法权益的行为。根据上述定义，下列不属于紧急避险的是（）。A.某客轮忽遇台风，船长凭多年经验抛弃大量贵重货物以减轻重量，保护旅客生命安全B.小郭正骑车行走，一机动车突然斜冲过来，小郭赶忙躲闪，结果将一香烟货架撞坏C.小刘在回家途中遇到劫匪，情急之下，捡起一块砖头砸向匪徒D.某小区一住户家窗户、阳台都在冒黑烟，物业公司在确定无人的情况下。破门而入【答案】C16、2020 年 3 月 10 日国家主席习近平专门赴湖北省武汉市考察疫情防控工作。他强调，经过艰苦努力，湖北和武汉疫情防控形势发生积极向好变化，取得阶段性重要成果，但疫情防控任务依然艰巨繁重。越是在这个时候，越是要保持头脑清醒，越是要慎终如始，越是要再接再厉、善作善成，继续把（）作为当前头等大事和最重要的工作。A.疫情防控B.疫情监管C.疫情防治D.疫情管理【答案】A17、对结账日后()个工作日止仍未兑现的大额支票以及其他已签发一个月以上的未兑现支票，应审查其发生的原因。A.5B.10C.15D.20【答案】B18、()要求企业提供的会计信息应当清晰明了，便于投资者等财务报告使用者理解和使用。A.可理解性B.可比性C.实质重于形式D.相关性【答案】A19、Theyre not allowed contact with the outside world or anysubstances that havent been fully _.A.tidyB.packedC.infectedD.sanitized【答案】D20、汉代人关于离骚篇名的解释有（）。A.离别的牢骚，离开忧愁B.离别的忧愁，遭遇忧愁C.离别的牢骚，遭遇忧愁D.离别的忧愁，离开忧愁【答案】B21、资料：（一）A.such risks are very expensiveB.such risks cannot be estimated preciselyC.such risks are too highD.the premium would be too high【答案】B22、资料：With 55%of consumers customer service interactionsstarting online and 63%of adults using their smartphone severaltimes a month to seek customer service，your mobile customer servicetactics are more important than ever.A.Fast responseB.Readily accessible informationC.Optimized user surfaceD.All of these above【答案】D23、Passage 1A.flied awayB.still diedC.changed into a fairyD.was more beautiful than before【答案】C24、The chewable substance called chicle（糖胶）had_untilThomas Adams added licorice and sold it as gumballs.A.hardly flavoredB.any flavor hardlyC.flavor hardly noneD.hardly any flavor【答案】D25、资料：Most young people enjoy some form of physical activity.Itmay be walking,cycling or swimming,or in winter,skating or skiing.It may be a game of some forms,football,hockey,golf,or tennis.Itmay be mountaineering.A.natureB.each otherC.other teamsD.international standards【答案】A26、（）how difficult the situation may seem,it is very importantto remember that there are others who are in worse situations.A.As ifB.Even soC.As thoughD.No matter【答案】D27、There is an increasing（）to make movies describing violence.A.strengthB.directionC.traditionD.Trend【答案】D28、我国商业银行的核心资本包括（）。A.实收资本、资本公积、盈余公积、未分配利润B.实收资本、资本公积、呆账准备金、长期债务C.实收资本、未收资本、重估资本、未分配利润D.资本净值、资本盈余、未分配利润、呆账准备金【答案】A29、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】B30、行政指导和其他行政行为的最大区别在于（）。A.主体不同B.目的不同C.范围不同D.是否具有法律强制力不同【答案】D31、由于（）的存在，才产生了本期和其他期间的差异，从而出现了权责发生制和收付实现制。A.持续经营B.会计主体C.会计分期D.货币计量【答案】C32、You would imagine that sleeping was a quiet and peacefulexperience but in reality，our brains are more active during somestages of sleep than when we are_。A.wakeB.awakeC.wakenD.awaken【答案】B33、下列属于无形资产的是（）。A.设备B.建筑物C.商标D.流动资产【答案】C34、下列行业中最接近于完全竞争模式的是（）。A.飞机制造业B.烟草业C.日用小商品制造业D.汽车制造业【答案】C35、证券投资基金体现当事人之间的()A.产权关系B.债权关系C.保证关系【答案】C36、需求拉上型通货膨胀可以通俗地表述为（）。A.太多的货币追求太多的商品B.太多的货币追求太少的商品C.太少的货币追求太多的商品D.太少的货币追求太少的商品【答案】B37、投资者投入的固定资产转入()科目。A.“实收资本”B.“资本公积”C.“盈余公积”D.“本年利润”【答案】A38、资料：The soybean prices ended higher this Monday as tradersexpect supplies to remain tight.A.Because the general production of soybean stayed steadyB.Because the supplies were expected to keep tightC.Because Chinas demand for soybean increasedD.Because the trade of soybean was quite active【答案】B39、During her junior year of high school,Diane Rays teacher handedher a worksheet and instructed the 17-year-old to map out her futurefinancial life.Ray pretended to buy a car,rent an apartment,and applyfor a credit card.Then,she and her classmates played thestock marketgame,investing the hypothetical earnings from their hypotheticaljobs in the market in the disastrous fall of 2008.Our pretendinvestments crashed,Ray says,still frightened.We got to know how itfelt to lose money.A.better studentslearning methodsB.prevent students going into debtC.help students get accepted by collegesD.make students become very wealthy【答案】B40、第一家跨省区设立分支机构的城市商业银行是（）。A.北京银行B.南京银行C.上海银行D.威海市商业银行【答案】C41、资料：It seems simple enough.Take all the line-forming andpaper-filling busy work of the government,and put it all up on theInternet.Now,in order to report a pot-hole,pay your property tax,complain to an official or cast a vote,just log on and hit a fewbuttons.Goodbye bureaucracy,hello e-cracy?A.having public confidenceB.having sufficient investmentC.lowering government spendingD.upgrading government technology【答案】B42、资料：FAST cars whizz around，malls are full of expensiveluxuries and cranes dominate the skyline.But scratch the shimmeringsurface of the Gulf and you soon find countries hurting from the lowoil price，currently around$40 a barrel.Growth is slowing andunemployment is rising.Policy makers even dare utter a three-letter“t”word until recently taboo：tax.A.Saudi Arabia，UAE，VenezuelaB.Qatar，Kuwait，NigeriaC.Bahrain，Oman，QatarD.Iran，kuwait，Dubai【答案】C43、资料：Zhang Qiaoli uses her spare bedroom for storing her stockof ladies fashion-wear and photo shoots.She is one of more thanfive million small online stores operating across China,some fromsmall apartments or even college dormitories.She buys dresses andaccessories wholesale;at prices under$5,using the website Taobao,she sells them on as the Kitty Lover at prices under$10.A.Slightly criticalB.UnbiasedC.ParadoxicalD.Fully supportive【答案】D44、资料：It is September of 1998,Im sitting in a windowlessoffice room inside the Office of the Independent Counsel underneathhumming fluorescent lights.Im listening to the sound of my voice onsurreptitiously taped phone calls that a supposed friend had made theyear before.For the past eight months,the mysterious content ofthese tapes has hung like the Sword of Damocles over my head.A fewdays later,the Star Report is released to Congress,and all of thosetapes and transcripts,those stolen words,form a part of it.Thatpeople can read the transcripts is horrific enough,but a few weekslater,the audio tapes are aired on TV,and significant portions madeavailable online.The pubic humiliation was excruciating.(1)A.The environment in which the technology enhances shamingB.The humiliation that is more intensely felt than it should beC.The price we have to pay as the victims of mistakesD.The impact of peoples suicide on families and the society【答案】A45、CDS 由（）于 1961 年首创。A.中国人民银行B.日本住友银行C.英格兰银行D.美国花旗银行【答案】D46、资料：What attracts customers?Obviously the quality of a productdoes,but visual images contribute a great deal.It is not only theimage provided by the packaging that counts but the whole corporateidentity of the company.A.The corporate identityB.Quality of the productC.Packaging imagesD.All of above【答案】D47、The music aroused an（）feeling of homesickness in him.A.intrinsicB.intentionalC.intermittentD.intense【答案】D48、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】B49、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】C50、It is a widely agreed point of view that the（）of policies toconserve energy nationwide will inevitably involve personal sacrifice.A.implementationB.manifestationC.demonstrationD.expedition【答案】A多选题（共多选题（共 2020 题）题）1、下列属于银监会的监管理念的有（）。A.管风险B.提高透明度C.管机构D.管法人【答案】ABD2、按财政支出能否直接得到等价补偿，可以把财政支出分为（）A.购买性支出B.社会管理支出C.经济管理支出D.转移性支出【答案】AD3、办理收文是指（）。A.把收文立卷归档B.把收文予以执行办理C.撰文对收文进行答复、批转或转发D.在公文传送单上签字【答案】ABCD4、下列我国信托公司可以经营的主要业务包括（）。A.资金信托B.不动产信托C.有价证券信托D.经营企业资产的重组【答案】ABCD5、与债券筹资方式相比，银行借款筹资的优点包括（）。A.筹资速度快B.借款弹性大C.使用限制少D.筹资费用低【答案】ABD6、与股票相比，债券的明显特点在于（）。A.规模小B.风险小C.风险大D.安全性高E.收益高【答案】BD7、价格变动产生的效应有（）。A.替代效应B.乘数效应C.互补效应D.收入效应【答案】AD8、十七大报告指出，深入贯彻落实科学发展观，要求我们始终坚持“一个中心两个基本点”的基本路线，（）。A.积极构建社会主义和谐社会B.坚持解放思想、实事求是、与时俱进C.继续深化改革开放D.切实改进和加强党的建设【答案】ABCD9、下列关于商业银行存款业务的说法，正确的有（）。A.经营存款业务实行特许制，未经批准在名称中使用“银行”字样的，由中国人民银行责令改正B.商业银行可以提高利率以吸引更多存款C.个人存款的查询、冻结、扣划可由法律、行政法规予以规定D.单位存款查询可由法律、行政法规规定E.商业银行应当保证存款本金和利息的支付，不得拖延、拒绝支付存款本金和利息【答案】D10、商品流通公式与资本流通公式相比较，其区别有（）。A.买与卖的顺序不同B.流通中的目的不同C.流通的起点和终点不同D.流通中的媒介不同【答案】ABCD11、1999 年以来，为适应我国农业和农村经济发展新阶段的需要，农村信用社积极开展金融创新，主要创新形式有（）。A.农户小额信用贷款B.农户联保贷款C.农户抵押贷款D.农户质押贷款【答案】ABCD12、我国金融机构资本的构成（）。A.实收资本B.呆账准备金C.盈余公积D.资本公积【答案】ABCD13、以下各选项中，属于中央银行资产的包括（）。A.贴现及放款B.政府债券和财政借款C.外汇、黄金储备D.国库及公共机构存款【答案】ABC14、“越是形势好了，越要保持清醒的头脑；越是条件好了，越要保持传统。”这句话蕴含的哲理有（）。A.矛盾双方在一定条件下可以相互转换B.外因也可以成为事物发展的依据C.正确发挥主观能动性，能够促进事物的发展D.条件决定一切【答案】AC15、下列关于复式记账法的表述中，正确的有（）。A.复式记账法是指发生的每一笔经济业务，都要在两个或两个以上相互联系的账户同时登记的一种记账方法B.复式记账法是指对发生的每一笔经济业务都要以相等的金额进行登记的一种记账方法C.复式记账法是最基本、最主要的会计方法之一，被作为一种科学的记账方法，为世界各国所广泛采用D.复式记账法是指对发生的每一笔经济业务不同时登记的一种记账方法【答案】ABC16、现在我国银行基本开立的信用证业务种类有（）。A.不可撤销的信用证B.可撤销的信用证C.光票信用证D.跟单信用证【答案】AD17、运用公开市场业务作为货币政策工具的条件是（）。A.独立、统一、发达的金融市场B.只需中央银行持有足够的有价证券C.中央银行和商业银行都须持有足够的有价证券D.健全的信用制度【答案】ACD18、办理收文是指（）。A.把收文立卷归档B.把收文予以执行办理C.撰文对收文进行答复、批转或转发D.在公文传送单上签字【答案】ABCD19、在资金短缺的情况下，当利率放开后，可能会对宏观经济产生一定影响，导致（）。A.投资规模下降B.投资规模过大C.通货膨胀D.通货紧缩【答案】AC20、关于互换业务，下列叙述正确的有（）。A.最常见的利率互换是固定利率与浮动利率之间进行转换B.货币互换仅交换货币本金不交换货币利息C.当利率看涨时，可将浮动利率债务类金融工具转换成固定利率金融工具D.货币互换本金的交易方式是在协议生效日双方按约定汇率交换人民币与外币的本金，在协议到期日双方再以相同汇率、金额进行一次本金的反向交换【答案】ACD大题（共大题（共 1010 题）题）一、2002 年 3 月 5 日，美国总统布什决定，从 3 月 20 日起，美国将对大多数钢材征收最高达 30的进口关税，并对原钢板实行进口限额，这意味着来自欧盟、日本、韩国、俄罗斯和中国的价值数 10 亿美元的钢材将无法进入美国这个世界上最大的钢铁市场。对加拿大和墨西哥则实行“豁免”。欧盟表示，要采取相应的措施进行反击。我国也表示，反对美国的这一决定，并采取相应的措施以维护我国的利益。1 用有关经济知识评析美国总统布什的决定。2用有关哲学知识分析美国总统布什的决定必然产生的后果。3用政治常识的有关知识分析我国为什么要反对布什总统的决定。【答案】1(1)市场经济具有平等性、竞争性、法制性和开放性等一般特征，美国的这一做法违背了市场经济特征。(2)非歧视原则是 WT0 的一条重要的基本原则，美国对中国、欧盟、日本、韩国、俄罗斯等国家征收高关税，而对加拿大、墨西哥施行“豁免”，违背了非歧视原则。2(1)意识有能动的反作用。错误的意识阻碍事物的发展，布什总统的决定是错误的，阻碍了美国与欧盟、中国等国家经济贸易的发展。(2)世界上的一切事物处在普遍的联系之中，美国经济同欧盟、中国等国经济是相互联系的。布什总统的错误决定损害了欧盟、中国等国家的经济利益，反过来也给本国经济带来损害。3维护国家利益是主权国家制定和推行对外政策的依据，是对外活动的目的，布什总统的决定是为了美国的国家利益，我国反对布什总统的决定是为了维护我国的国家利益。二、材料：我国大学生的创业，始于 1997 年。当时国内大学生发现发达国家的大学毕业生中有不少人选择自己创业，于是引入这个新概念。清华大学于 1998年率先举行大学生创业计划大赛，随后，首届“挑战杯”全国大学生创业计划竞赛于 1999 年举办；清华大学还于 2000 年允许大学生休学创业，由此渐渐掀起大学生创业高潮，不少高校在校内办创业讲座、搞创业计划大赛。但是，教育部 2004 年的一项报告透露，全国 97 家开张比较早的学生企业。赢利的仅占7，学生创办的公司，5 年内仅有 30能够生存下去。2005 年的另一统计则表明创业企业失败率高达 70以上，大学生创业成功率只有 23，远低于一般企业。以上各项调查可能由于种种原因存在误差，但反映出一个共同事实：大学生创业成功率低。为支持大学生创业，各级政府及相关部门纷纷出台优惠政策，大学生自主创业可享受到税费减免、贷款贴息、政策培训，甚至无偿使用办公场地等政策，受到广大高校毕业生的欢迎共青团中央：建立“青年就业创业见习基地”4083 个，提供见习岗位 121646 个：与银监会合作，提供农村小额贷款，以创业带动就业；与团省委合作全面建立促进青年就业创业基地，解决创业资金瓶颈问题。上海：投资 5000 万元，设立“大学生创业投资接力基金”。该项基金将像“接力棒”一样对大学生创业企业进行扶持，帮助企业快速成长。福建：建立 10 个高校毕业生创业培训基地，扶持 100个高校毕业生创业项目。为 1000 名有创业意向的高校毕业生提供系统的创业辅导，组织 1 万名高校毕业生参加创业培训。青岛：拨款 1000 万元，设立“青岛市高校毕业生创业扶持基金”。云南：每年将安排 1 亿元资金支持自主创业。重庆：大学生创业可贷款 100 万元，小