上海市2023年银行招聘之银行招聘综合知识自测提分题库加精品答案.doc

上海市上海市 20232023 年银行招聘之银行招聘综合知识自测提年银行招聘之银行招聘综合知识自测提分题库加精品答案分题库加精品答案单选题（共单选题（共 5050 题）题）1、资料：Imagine you went to a restaurant with your girlfriend,had aburger,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 lasttime.Would you like to join her for dinner again？”Then you findout that your burger has been cooked and placed on the table.Forgetthe fact that you are with another date and are on a diet thatdoesnt include burgers.A.show the good services offered in some web restaurantsB.criticize some restaurants for the poor servicesC.show the Internets ability to collect data on youD.prove the incredible power of the Internet to change your diet【答案】C2、某班有 50 人，其中有 42 人会打乒乓球，40 人会打篮球，38 人会打排球，35 人会打羽毛球，则这个班至少有多少人这四项球类都会打？（）A.2B.3C.4D.5【答案】D3、按照审计的主体不同，审计可以分为（）。A.财务报表审计和合规性审计B.政府审计、内部审计和注册会计师审计C.详细审计和资产负债表审计D.整体审计和局部审计【答案】B4、()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】A5、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 examples of logos which are emotive and can inspire loyaltyB.the examples of giving people idea of the products by using theimagesC.the examples of logos which fit in with contemporary designD.None of above【答案】A6、Maltreated infants and young children are substantially morelikely than older maltreated children to be seriously harmed orkilled as a result of_or neglect。A.abandonB.misuseC.abuseD.curse【答案】A7、Israeli officials blame the settlers,saying they have refused to_with the government.A.directB.cooperateC.commentD.remind【答案】B8、中央银行对市场进行政策调节时，效果最为强烈的金融工具是（）。A.存款准备金率B.再贴现率C.银行再贷款率【答案】A9、资料：We are pleased to invite you to attend the 14th CanadianCollaborative Mental Health Care Conference（14th CCMHCC）to be heldon Thursday，June 27th and Friday，June 28th，2013.Montreal has beenselected as the host city.This annual event will take place at theDelta Centre Vile Hotel，a downtown location within easy walkingdistance of the Old City.You will be charmed by the unique characterof the city of Montreal，the metropolis of the province of Quebec.For those of you who wish to extend your stay，you can combinebusiness and pleasure by attending the 34th International JazzFestival of Montreal that will begin on Friday，June 28th andcontinue for the next 10 days.A.The innovative potential of clinical operations is yet to berealizedB.Collaborative care should be viewed from a strategic perspectiveC.Clinical operations shouldnt conform to postmodern societal modelD.None of the above【答案】B10、资料：Keeping the Zeal of a Startup as You ScaleA.Because they often get more supports from the customersB.Because they often damage the market orderC.Because they often challenge the old companies in many waysD.Because they often make more momey than old companies【答案】C11、A new power station was set _ in my hometown.A.upB.outC.aboutD.forth【答案】A12、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shamel）on a Friday and simply notcheck your email until you return the office during normal workinghours.A.Its shame if you check your email all the timeB.The employees are willing to leave work at the end day of theworkdayC.The employees are expected to answer emails although its notworking timeD.Work email is the essential part in workers daily life【答案】C13、The _ to build up space stations on the Mars is,if wecannot say it is impossible,at least very hard to fulfill.A.admirationB.ambitionC.administrationD.orientation【答案】B14、资料：Britain is facing a“crisis of fatherlessness”in whichalmost half of all children born today will not be living with bothparents by the time they are 15,the new chief executive of thethinktank founded by Iain Duncan Smith has warned.A.the rapid increase in the number of abandoned childrenB.the high percentage of single-parent familyC.the gradual decrease of father-child contactD.the negative impact of family split on children【答案】C15、Scientists say climate change and human activity haveincreasingly led to the melting of _ pieces of Antarctic ice.A.massiveB.quantitativeC.surplusD.formidable【答案】A16、采用成本加成定价法，关键问题是确定合理的（）。A.销售利润率B.成本利润率C.比例利润率D.内扣利润率【答案】B17、下列机关中属于国家行政机关的是（）。A.国家审判机关B.司法行政机关C.人民政协D.企业人事部门【答案】B18、丙公司在经营过程中因资金出现短缺，向某商业银行申请贷款。丙公司由该行办公室主任吴某的亲属投资。请你根据我国商业银行法的规定，判断该银行在贷款时的哪项做法违反了贷款的基本规则?（）A.发放了一笔信用贷款B.对贷款实行审贷分离、分级审批制度C.与借款人订立了书面合同D.对借款人的借款用途、偿还能力、还款方式等情况进行严格审查【答案】A19、资料：As a startup founder,my daily tasks include everythingfrom long-term strategic planning to approving team outings andcompany culture initiatives.Day after day,things inevitably come upthat need to get handled ASAP.But lve also learned that if youdont have a strategy for making time for those bigger ambitions andyour truly lofty goals,theyll simply never get done.And that meansyou wont make the progress thats really going to move your businessforward.A.How to manage your time wellB.How to overcome different challenges in the officeC.How to win competitions and get promotionsD.How to prevent distractions and focus on big issues【答案】A20、商业银行最主要的资金来源是（）。A.资本金B.中央银行借款C.发行金融债券D.存款负债【答案】D21、资料：A new Chinese-led international development bank announcedits first four loans on Saturday,pledging to lend$509 million forprojects to spread electric power in rural Bangladesh,upgrade livingconditions in slums in Indonesia,and improve roads in Pakistan andTajikistan.At the first of the annual general meetings of ininstitution,the Asian Infrastructure Investment Bank,the bankspresident,Jin Liqun,said the projects were financially sound andenvironmentally friendly and had been accepted by the people in theproject areas.A.be well organizedB.be well fundedC.be less redundantD.be less corrupted【答案】C22、关于商业汇票贴现核算的下列表述中，不正确的是（）。A.商业银行通过“贴现资产”科目核算办理相关业务B.该科目应该按照贴现种类和贴现申请人进行明细核算C.会计部门接到贴现凭证及商业汇票后，按照规定的贴现率计算出贴现利息并给予扣收，实付贴现金额=汇票金额-汇票天数*贴现天数*月贴现率D.编制会计分录：借记：贴现资产商业承兑汇票或银行承兑汇票（面值）贷记：吸收存款贴现申请人户，贷记贴现资产利息调整【答案】C23、第三届进口博览会首个网上海外路演推介会于 2020 年 4 月 9 日举行。借力网络，中国国际进口博览局和国家会展中心（上海）向（）海外商会组织的多家行业协会、上百家企业介绍了第三届进口博览会参展情况。A.英国B.德国C.美国D.法国【答案】B24、The latest research indicates that stress，as an _ to dealwith it，is a direct contributor to heart disease.A.inabilityB.illegalnessC.unconsciousnessD.unwillingness【答案】A25、根据我国劳动合同法的规定，下列各项中不属于劳动合同必备条款的是（）。A.劳动合同的期限B.工作内容和工作地点C.社会保险D.违约金【答案】D26、Henry found it difficult to get his British jokes（）toChinese audience.A.acrossB.dealC.overD.down【答案】A27、承担支持进出口贸易融资任务的政策性银行是（）。A.国家开发银行B.中国农业发展银行C.中国进出口银行D.中国银行【答案】C28、资料：（四）A.SuspiciousB.ObjectiveC.OptimisticD.Critical【答案】B29、Theyre not allowed contact with the outside world or anysubstances that havent been fully _.A.tidyB.packedC.infectedD.sanitized【答案】D30、Passage 4A.Little Money Leads toB.a MillionaireBThe Success Road to Be a MillionaireC.Alex Taw：An Millionaire BoyD.The MillionDollarH【答案】C31、资料：The poverty line is the minimum income that people needfor an acceptable standard of living.People with incomes below thepoverty line are considered poor.Economists study the causes ofpoverty in order to find solutions to the problem.A.poor people are bound to go out of the poverty line if they havechances to do businessB.welfare will enable people to be richC.employment is the best solution to the poverty problemD.better solutions to the poverty problem are not found yet【答案】D32、资料：Seeking to end a stalemate in negotiations over hercountrys withdrawal from the European Union,Prime Minister TheresaMay of Britain offered Friday substantial payments to the bloc duringa two-year transition period immediately after the countrys exit.A.Britain has agreed to discuss the conditions of the exit beforediscussing the future trade tiesB.Theresa May has mapped out the blue print of the relations betweenBritain and EUC.EU might not be satisfied with Mays SpeechD.Britain is fully prepared to withdraw from EU in an orderly way【答案】C33、内存(主存储器)比外存(辅助存储器)（）。A.读写速度快B.存储容量大C.可靠性高D.价格便宜【答案】A34、Passage 2A.Modern technology is what we cant live withoutB.Digital technology often falls short of our expectationC.gital devices are more reliable than they used to beD.GPS error is not the only cause for Ceelys accident【答案】B35、Mr.Backus simply replaced the original equation with his own_ for a dream date,which included the percentage of womenlikely to find him attractive,and the number of girls aged 24 to 34in London.A.designationB.measuresC.criteriaD.legislation【答案】C36、出票人在票据正面注明“不得转让”字样的，票据不得转让，其后手再背书转让的，（）。A.出票人对其直接后手的被背书人承担保证责任B.出票人对其直接后手的被背书人不承担保证责任C.出票人对其最后的后手的被背书人不承担保证责任D.出票人对其最后的后手的被背书人承担保证责任【答案】B37、第一个踏上月球的人是（）。A.大卫?布朗B.加加林C.阿姆斯特朗D.迈克尔?安德森【答案】C38、It would be_exploring students epistemic beliefs regardingcourse-related information located on the Internet.A.worthwhileB.worthC.whileD.worthy【答案】A39、资料：Rahul Chadha,co-chief investment officer for Hong Kong-based Mirae Asset Global Investments,has a few charts he isparticularly fond of when it comes to telling a story about investingin China.A.We should resist the trend of automationB.The growth of the economy and technology brings prosperityC.Technology is double-edged since some jobs will be eliminatedD.The development of technology is devastating【答案】C40、资料：Did your childs brain shrink last summer?Probably not,but it may have shifted into reverse,according to a study by Dr.Harris Cooper,professor of psychology at the University of Missouri-Columbia.The study found that when students return to school after along summer vacation,theyve lost one to three months worth oflearning.A.Lower-income children experienced lose in math over the summerB.Middle-class children gained in learning over the summerC.Lower-income children gained in math over the summerD.Middle-class children suffered lose in math over the summer【答案】B41、资料：Gone are the days of“one-size-fits-all”employeebenefits programs and here come newly designed and fully customizedvoluntary benefits.Voluntary benefits are on longer looked at asjust a few“extras”,and are now becoming part of a comprehensivebenefits package.Lots take a look at how voluntary benefits havebecome more customized to meet the requirements of a more particularhealth care consumer.A.RevolutionaryB.ReliableC.SalutaryD.Unassailable【答案】A42、The sudden heavy rain（）our holiday plan.A.damagedB.destroyedC.sabotagedD.spoiled【答案】D43、银行期末按被投资单位实现的净利润计算应分享的金额。其会计分录为（）。A.借：损益调整贷：长期股权投资股票投资其他股权投资B.借：长期股权投资股票投资(损益调整)其他股权投资(损益调整)贷：投资收益C.借：投资收益贷：长期股权投资股票投资(损益调整)其他股权投资(损益调整)D.借：长期股权投资股票投资其他股权投资贷：损益调整【答案】B44、被投资单位因接受捐赠等增加的资本公积，企业按持股比例计算应享有的份额。银行应当进行的账务处理为（）。A.借：长期股权投资股票投资(股权投资准备)贷：股权投资准备B.借：长期股权投资股票投资(股权投资准备)其他股权投资(股权投资准备)贷：资本公积股权投资准备C.借：长期股权投资其他股权投资(股权投资准备)贷：资本公积股权投资准备D.借：资本公积股权投资准备贷：长期股权投资股票投资(股权投资准备)其他股权投资(股权投资准备)【答案】B45、资料：As a startup founder,my daily tasks include everythingfrom long-term strategic planning to approving team outings andcompany culture initiatives.Day after day,things inevitably come upthat need to get handled ASAP.But Ive also learned that if youdont have a strategy for making time for those bigger ambitions andyour truly lofty goals,theyll simply never get done.And thatmeans you wont make the progress thats really going to move yourbusiness forward.A.The author may talk about the administration systemB.The author may teach the readers to make a timetableC.The author may put forward another suggestionD.The author may discuss the office environments【答案】C46、Children who have negative relationships with their parents oftendevelop_problems including low academic achievement，negativesocial relationships，and delinquency。A.domesticB.influentialC.diverseD.identical【答案】C47、商业银行经营的核心是（）。A.扩大贷款规模B.市场营销C.增加资本金D.提髙收益【答案】B48、Stereotypes_womens roles to duties within the domesticsphere，such as food preparation and child care。A.confineB.limitC.restrainD.conform【答案】A49、To check the_of these results,we perform two differentempirical exercises.A.integrityB.perfectionC.temperamentD.reliability【答案】D50、根据商业银行法规定，商业银行以其（）独立承担民事责任。A.股东投资额B.全部法人财产C.全部资产D.全部资本金【答案】B多选题（共多选题（共 2020 题）题）1、组织变革的内部动因包括（）。A.战略的调整B.环境资源的变化C.员工受教育程度的提高D.组织规模和范围扩大E.设备引进与技术的变化【答案】ACD2、商业银行的职能包括（）。A.信用中介B.信用创造C.支付中介D.金融服务【答案】ABCD3、下列关于理财业务特点的表述中正确的有（）。A.商业银行理财业务不占用或者很少用银行资本B.理财业务的主要风险如信用风险、市场风险等均由委托投资人承担C.非保本理财产品会耗用银行资本金D.商业银行在尽责履行合约义务的前提下不对客户资产价值减损承担责任E.银行理财业务是“轻资本”业务【答案】ABD4、在下列()情况下，应实施应付账款的函证。A.控制风险高B.财务状况不佳C.存在大量小金额欠账D.应付账款金额较大【答案】ABC5、政府预算制度改革的主要内容是（）。A.建立科学合理的部门预算制度B.推行国库单一账户体系C.实行政府采购制度D.建立先进完备的预算技术保障体系【答案】ABCD6、下列各项中，符合资产定义的有（）A.发出商品B.尚待加工的半成品C.受托代销商品D.融资租人的固定资产【答案】ABD7、下列动态数列中，哪些属于时点数列?（）A.全国每年大专院校毕业生人数B.全国每年大专院校年末在校学生数C.某商店各月末商品库存额D.某企业历年工资总额E.全国每年末居民储蓄存款余额【答案】BC8、储蓄机构设置必须具备的条件包括（）。A.有必要的安全防范措施B.熟悉储蓄业务的工作人员不少于四人C.有机构名称、组织机构和营业场所D.营业场所应处于闹市区，交通必须便利【答案】ABC9、银行规范化服务的原则是（）。A.客户第一B.信誉第一C.效率第一D.安全第一【答案】ABCD10、规章制度的特点是（）。A.约束性B.知照性C.条款性D.严密性【答案】ACD11、根据公平理论。员工恢复因薪酬不足而导致的不公平感的措施有（）。A.员工向上级反映薪酬高者工作没有自己努力B.员工降低自己的努力程度C.员工寻求法律援助D.员工从其他组织寻求帮助E.员工辞职【答案】AB12、行政法律关系由（）要素构成。A.主体B.客体C.内容D.形成【答案】ABC13、WindowsXP 中关闭程序的方法有多种，下列叙述中正确的是（）。A.用鼠标单击程序屏幕右上角的“关闭”按钮B.在键盘上，按下 Alt+F4 组合键C.打开程序的“文件”菜单，选择“退出”命令D.按下键盘上的 ESC 键【答案】ABC14、一般来说，账户的基本结构具体包括的内容有（）。A.账户的名称B.记录经济业务的日期C.摘要和凭证的编号D.增加、减少的金额及余额【答案】ABCD15、下列各项中，（）不属于马克思主义新世界观创立需要确立的关键。A.剩余价值论B.阶级斗争理论C.无产阶级历史使命说D.科学的实践观【答案】ABC16、关于个人奖励计划的说法，正确的有（）。A.个人奖励计划较易操作，易于沟通B.个人奖励计划降低了监督成本C.拉克收益分享计划是典型的个人奖励计划D.个人奖励计划可能会导致员工只做利于其获得报酬的事情E.个人奖励计划的缺点是容易导致优秀员工的流失【答案】ABD17、下列选项中，属于对信用社扶持政策的主要有（）。A.放松监管B.资金扶持C.税收优惠D.提高存款准备比例【答案】BC18、十九大以来，国内外形势变化和我国各项事业发展都给我们提出了一个重大时代课题，这就是必须从理论和实践结合上系统回答新时代（）。A.坚持和发展什么样的中国特色社会主义B.怎样坚持和发展中国特色社会主义主义C.怎样把党建设得更加坚强有力D.建设什么样的党【答案】AB19、短期政府债券的特点有（）。A.以国家信用为担保B.不存在违约风险C.极易在市场变现D.收益免缴所得税【答案】ACD20、我国现行宪法规定，行使国家立法权的机关是（）。A.全国人民代表大会B.省人民代表大会C.国务院D.全国人民代表大会常务委员会【答案】AD大题（共大题（共 1010 题）题）一、某企业按（2/10，n/40）的条件购入一批货物，即企业如果在 10 日内付款，可享受 2%的现金折扣；倘若企业放弃现金折扣，贷款应在 40 天内付清。要求：(1)计算企业放弃该项现金折扣的成本。(2)若另一家供应商提出（1/20，n/40）的信用条件，计算放弃折扣的成本。若企业准备享受现金折扣，选择哪一家供应商有利；若企业准备放弃现金折扣，选择哪一家供应商有利？【答案】如果企业准备享受现金折扣应当选择放弃现金折扣的成本高的一家（本题中即是选择放弃现金折扣成本为 24.49%的一家）；如果企业决定放弃现金折扣则应当选择放弃现傘折扣成本低的一家（本题中即是选择放弃现金折扣成本为 18.18%的一家）。【注意】（1）所谓的“放弃现金折扣成本”的含义是：如果放弃现金折扣，则应该承担的资金成本。其实质是“借款利息”，时间计算单位为“一年（360 天）”，所以，计算放弃现金折扣成本时，(2)因为“现金折扣百分比”是按照全部货款计算的，所以，如果在折扣期内付款需要支付的款项=全部款项 X(1-现金折扣百分比），因此，“放弃现金折扣成本”计算公式中的“现金折扣百分比/(1-现金折扣百分比）表示的是“借款利息”占“借款本金”的比例。(3)综上所述，应该按照计算“放弃现金折扣成本”。(4)“放弃现金折扣”意味着要“支付借款利息”，反之，如果享受现金折扣（即在折扣期内付款），则意味着收取借款利息（相当于把款项借给供应方，收取利息），所以，当面对两个以上供应商时，如果打算放弃现金折扣，则应该选择折扣成本最“低”的供应商，反之，如果打算享受现金折扣，则应该选择折扣成本最“高”的供应商。二、请将下面错误的地方改正过来。关于你校设立新材料研究中心的请示克格县职业学校：你校克格职发20039 号克格县职业学校关于设立新材料研究中心的请示以及克职发200315 号文收悉，经研究讨论，兹批复如下：(一)不同意在你校设立新材料研究中心，其理由恕不详述。(二)目前可在你校先行设立新材料研究室。(三)拟原则同意在你校修建新材料检测实验楼，有关具体事宜待专门批复。专此函复。【答案】(1)标题应居中。(2)标题内容叙述不清。(3)标题使用了没有检索价值的代称“你校”字样。(4)发文字号书写不正确，应为职发20039 号，职发20035 号。(5)文稿在引述对方来文时不规范。(6)一文数事。(7)没有回答对方的全部问题。(8)“拟原则同意”语意含混，“经研究讨论”中“讨论”二字多余，“专此函复”不能用做本文的结语。(9)漏掉成文日期二 0年月日。三、某企业按（2/10，n/40）的条件购入一批货物，即企业如果在 10 日内付款，可享受 2%的现金折扣；倘若企业放弃现金折扣，贷款应在 40 天内付清。要求：(1)计算企业放弃该项现金折扣的成本。(2)若另一家供应商提出（1/20，n/40）的信用条件，计算放弃折扣的成本。若企业准备享受现金折扣，选择哪一家供应商有利；若企业准备放弃现金折扣，选择哪一家供应商有利？【答案】如果企业