广东省2023年银行招聘之银行招聘综合知识考前冲刺模拟试卷B卷含答案.doc

广东省广东省 20232023 年银行招聘之银行招聘综合知识考前冲年银行招聘之银行招聘综合知识考前冲刺模拟试卷刺模拟试卷 B B 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、银行汇票持票人未在代理付款行开户的，原持票人需要一次或分次转账支付的，应由其填制支款凭证，并交验本人身份证件。其会计分录为()。A.借：存放联行款项(联行往账)贷：应解汇款一一持票人户B.借：应解汇款一一原持票人户贷：现金C.借：应解汇款一一原持票人户贷：科目一一户D.借：现金贷：应解汇款一一持票人户【答案】C2、私募发行相对于公募发行的缺点不包括(）。A.不利于企业扩大知名度B.发行价格和交易价格可能会比较低，不利于筹资者C.容易泄露公司商业机密D.可能被投资者操纵【答案】C3、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】A4、资料：之后，经济学家 Mr.V 发表了关于一些新名词的感悟，请根据下列资料回答问题。A.what globalization means for businessesB.how definitions differ from each otherC.how businesses go“global”D.the definition of the term“globalization”【答案】C5、下列选项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（）。A.科目日结单B.日计表C.总账D.余额表【答案】B6、银行会计记账的依据是()。A.会计凭证B.会计科目C.会计账户D.会计账簿【答案】A7、资料：Bank CD is the instrument uniformly figuring in theinvestment options of most investors.Bank of India CDs are safe,FDIC insured&offer decent returns.There is no brokerage,no feesor hidden costs.However,the Bank may impose a fee foradministrative expenses involved in any legal action in connectionwith the CD.Look at our Star CD plan below.A.CD is automatically renewed for the same period unless having otherinstructionB.CD isnt automatically renewed for the same period at the rulingrate of interest on the date of renewalC.CD is automatically renewed for the same period without any otherinstructionD.CD is automatically renewed for the same period with permission ofthe bank manager【答案】C8、资料：（二）A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing【答案】B9、资料：In the United States of America,banks are categorized intothe federally-chartered bank which received their charter from theOffice of the Comptroller of the Currency（OCC）;these are referredto as“National Banks”;and also the states-chartered banks whichreceive their charter from the superintendent to as“State Banks”.Banks are allowed to register either with the federal or the stateauthority.Let us now look at the organizational structure ofCommercial Banks,which include unit banking,group banking andbranch banking.A.The Fed undertakes banking supervision over banking system in theUSAB.The savings banks in the USA are authorized to do real estatebusiness by some states lawC.Specialized banks in the USA provide funds as the lender of lastresortD.Specialized banks in the USA are the same to those in China【答案】A10、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.By giving examplesB.By providing dataC.By raising questionsD.By making comparisons【答案】A11、对于价值较低或极易损坏的低值易耗品，应采用(）进行摊销。A.使用次数摊销法B.分次摊销法C.一次转销法D.计划成本法【答案】C12、We utilized_films,semi-formal interviews and participantobservation to explore the relationship between urban livelihoods andart creation.A.silentB.romanticC.documentaryD.document【答案】C13、He said the UK government would allow the island to determine itsown_and democracy.A.equalityB.enhancementC.agreementD.development【答案】A14、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】D15、It is requested that an applicant whose undergraduate work isdone at another institution（）two copies of undergraduatetranscripts and degrees directly to the dean of the graduate school.A.must sendB.sendC.are to sendD.need send【答案】B16、我国对存贷款利率的结息规则中规定，城乡居民活期存款的结息日为（）。A.3 月 20 日B.6 月 20 日C.6 月 30 日D.9 月 20 日【答案】C17、资料：Tencent Holdings Ltd has announced that it will fully openup its big data platform and machine learning technology in a move tobuild a sharing economy based on cloud services.Enterprises willbe able to use a set of big data analysis tools developed by Tencent,helping them gain a better understanding of their clients and improvetheir products.A.dig intoB.specialize inC.break intoD.make use of【答案】A18、与消费物价变动密切相关，最活跃的货币是（）。A.M1B.M2C.M0D.M【答案】C19、以下关于宏观经济政策与证券市场间的关系说法错误的是（）。A.汇率下降，本币升值，出口型企业证券价格就会上扬B.货币政策的调整会直接、迅速地影响证券市场C.财政政策的调整对证券市场具有持久但较为缓慢的影响D.汇率政策的调整从结构上影响证券市场价格【答案】A20、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$115 million,to fund a new scholarshipprogram aimed at providing financial aid to students from low-incomebackgrounds.Behind the headlines about the size of the gift was afamily story of immigration,education and a sense of obligation thattranscended generations.A.graduated from Oxford University with an MBA degree in 1986B.wanted to do something to repay the help he had once receivedC.showed his interest and talent in venture capitalism as ajournalistD.bought early stocks of Google,Yahoo,PayPal and LinkedIn【答案】B21、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？A.家长对新技术的担心是没有必要的B.作为成年人理解新技术是很困难的C.新技术的出现不会对青少年造成不利的影响D.技术改变的体验对成年人和孩子是不同的【答案】B22、Passage 8A.cause it can help a would to dryB.Because it can cover a rough surfaceBBecause it can make a wouldsmoothC.Because it can prevent disease entering a wound【答案】A23、对英镑和美元而言，如果英镑的汇率上升，意味着美元的汇率将（）。A.上升B.下降C.不变D.两者之间没有关系【答案】B24、资料：American Airlines CEO takes blame for maintenance errors,disrupted flightsA.is going to have a new chairman and CEOB.only operates from Dalls/Fort Worth International AirportC.is an airline that has 3000 MD-80 airplanesD.is a company that is headquartered in Fort Worth,Dallas【答案】D25、利率是（）的价格。A.货币资本B.借贷资本C.外来资本D.银行资本【答案】B26、Some prizes are awarded to technology that,after later review,just doesnt seem to _ well.A.turn downB.turn upC.turn outD.turn in【答案】C27、Dealers often tell customers that if their car gets wrecked in acrash they could be financially harmed because regular insurance maynot_the entire amount owed on the loan。A.pay upB.pay offC.pay outD.pay away【答案】B28、要搜索用户所需要的文件或文件夹，又记不清完整文件名，可以使用“（）”通配符代替文件名中的一个字符，或者使用“（）”通配符代替文件名中的任意字符。A.？；*B.*；？C.&；*D.$；？【答案】A29、“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】C30、2012 年 GDP 增速目标为（）；全年 CPI 控制在 4%。A.7.5%B.7.8%C.7.6%D.8%【答案】A31、According to some（）by some scholars,lung cancer is causedmainly by smoking.A.rockB.researchC.scheduleD.Rumor【答案】B32、Nabhi Verma,who holds degrees in both architecture andengineering,has a range of technical abilities _ that.A.too muchB.beyondC.even moreD.moreover【答案】B33、For the new country to survive,（）for its people to enjoyprosperity,new economic policies will be required.A.to name a fewB.let aloneC.not to speakD.lets say【答案】B34、资料：Poor health is not only damaging to employees,it isdetrimental to businesses.Corporations pay a heavy cost for stress-related illnesses,such as hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.It is helpful to the company if the employers can lay off employeeswith health issuesB.Company discount on gym memberships will surely improve employeesfrequency of exerciseC.Most Americans have suffered from stress-related illnessesD.To make sure that the employees are aware of the importance ofphysical and mental health is essential to promote good health in acompany【答案】D35、乙遭车祸昏迷在路上，甲途经发现后雇计程车将乙送往医院，并帮其支付医药费，在救助过程中，甲的名牌衣服因染有乙的血渍而不能使用，同时乙的贵重手表遗落在事故地点，甲因疏忽而未能发现。下列说法中不正确的是（）。A.甲应赔偿乙手表遗失的损失B.乙应偿付甲雇用计程车的费用C.乙应偿付甲帮其支付的医药费D.乙应赔偿甲衣服不能使用的损失【答案】A36、资料：（二）A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing【答案】B37、资料：A man looking for art for his new home has won a$1 millionPicasso painting with a$138 raffle ticket.Jeffrey Gonano told thePittsburgh Tribune-Review hes not sure hell ever hang themasterpiece in his home in Wexford,in western Pennsylvania,givenits value.The 25-year-old Gonano,who works for his familys firesprinkler business,learned Wednesday that his ticket had won theParis raffle.Organizers say nearly 50,000 tickets were soldworldwide,for 100 euros apiece,to benefit a Lebanese charity.A.He bought it for his new homeB.He received it from Picassos familyC.He won the French lotteryD.He got it from a charity organization【答案】C38、资料：As more personal business is conducted through smartphonedevices,more users are implementing security measures for theirdevices,according to a recent survey by Harris Poll and commissionedby the CTIA.A.andB.andC.andD.and【答案】C39、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】C40、Lets face it.Gardening fanatics like nothing better than to havetheir hands stuck in the soil or to be trimming,pruning,or harvestingthe fruits of their labors.But for once,here is an obsession whichbenefits the whole community by beautifying the environment andproducing cooler,more fragrant,and cleaner air.To recognize thatfact,the Tampa City Council has decided to award generous prizes tothe most beautiful displays this spring.A.All residents of TampaB.The owners of gardening storesC.The members of the Tampa City CouncilD.The judges of the competition【答案】A41、甲、乙两人现有的效用水平分别为 10 和 20，资源的再配置使得两人的效用发生了变化，属于帕累托改进的一种变动是（）。A.甲的效用变为 10，乙的效用变为 15B.甲的效用变为 8，乙的效用变为 25C.甲的效用变为 8，乙的效用变为 30D.甲的效用变为 10，乙的效用变为 30【答案】D42、下列属于货币政策工具的是（）。A.法定存款准备金率B.再贴现率C.公开市场业务D.税收【答案】D43、人民银行规定的贷记卡透支年利率是（）。A.10%B.15%C.18%D.20%【答案】C44、The owl is a _ bird which kills its prey with its claws.A.aglowB.predatoryC.cursoryD.petulant【答案】B45、Today,Wichner Industries announced that it（）opening anoffice in Kuala Lumpur to coordinate its overseas.A.beenB.is beingC.will beD.be【答案】C46、I think English is_math.A.much important thanB.so important asC.as important asD.as more important as【答案】C47、Passage 4A.Little Money Leads toB.a MillionaireBThe Success Road to Be a MillionaireC.Alex Taw：An Millionaire BoyD.The MillionDollarH【答案】C48、资料：From:Iris WuA.graphic designerB.marketing directorC.An appliance technicianD.An administrative assistant【答案】B49、Today,only 4 million people live and work on farms in the UnitedStates,but they produce more than enough food for 200 millionAmericans.They are able to do this because modern agriculture dependsmore on up-to-date machinery and scientific methods than it does onold-fashioned knowledge and human labor.A.A modern farm and a factory are similar in some aspectsB.Farm machines are expensiveC.Farmers are unwilling to replace their worn-out machineryD.Farmers have to borrow a lot of money for the equipment they need【答案】C50、资料：之后，经济学家 Mr.X 展望了中欧之间的商业机遇，请根据下列资料回答问题。A.Foreign entrepreneursB.Job seekersC.Fresh graduateD.Company employees【答案】A多选题（共多选题（共 2020 题）题）1、绩效考核的常规方法包括（）。A.排序法B.配对比较法C.量表评价法D.等级分配法【答案】ABD2、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】ABC3、下列可以进行回购交易的是（）。A.国债B.其他有担保债券C.商业票据D.大额可转让定期存单【答案】ABCD4、错账的更正方法包括()。A.补充登记法B.借贷更正法C.划线更正法D.红字更正法【答案】ACD5、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】AD6、合同的书面形式包括（）。A.合同书B.信件C.传真D.电子邮件【答案】ABC7、下列各项中，属于企业所有者权益组成部分的有（）。A.股本B.资本公积C.盈余公积D.应付股利【答案】ABC8、属于中国银行业协会的专业委员会的有（）。A.法律工作委员会B.农村合作金融工作委员会C.外资银行工作委员会D.银行业从业人员资格认证委员会【答案】ABCD9、公文是一种特殊的文体，这种特殊性表现在（）A.采用白话文形式B.具有真实性.合法性C.具有规范性、相对确定性D.用议论、说明、叙述多种方式表达【答案】AD10、通报的特点有（）。A.具有较强的时效性B.让事实和数据说话，而不过多地阐发和论证道理C.具有教育性质，主要起宣传教育、沟通情况和交流经验的作用D.内容单纯，行文简便【答案】ABC11、下列描述中，属于 SWOT 分析中的机会的有（）。A.该国政府与多国签订了往来贸易税收优惠协议B.企业具有优越的地理位置C.所处市场趋于饱和D.政府取消了原有的限制性条件【答案】AD12、长期股权投资初始投资成本超过应享有被投资单位所有者权益份额之间的差额。其会计分录为()。A.借：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)贷：长期股权投资股票投资(投资成本)其他股权投资(投资成本)B.借：长期股权投资股票投资(投资成本)其他股权投资(投资成本)贷：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)C.借：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)贷：投资收益D.借：投资收益贷：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)【答案】AD13、银行业监督管理的目标包括（）。A.保证银行业金融机构不倒闭B.最大限度地扩大银行业资产规模C.促进银行业的合法稳健运行D.维护公众对银行业的信心【答案】CD14、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】AB15、在 Excel 中，以下（）操作是将当前单元格的左边单元格变为当前单元格。A.按键B.按 键C.按 Enter 键D.按 Shift+Tab 键【答案】AD16、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】AD17、我国商业银行法特别规定，不得担任商业银行的董事、高级管理人员的有（）。A.因犯有贪污、贿赂、侵占财产、挪用财产罪或者破坏社会经济秩序罪，被判处刑罚，或者因犯罪被剥夺政治权利的B.担任因经营不善破产清算的公司、企业的董事或者厂长、经理，并对该公司、企业的破产负有个人责任的C.担任因违法被吊销营业执照的公司、企业的法定代表人，并负有个人责任的D.个人所负数额较大的债务到期未清偿的【答案】ABCD18、根据使用上的需要，存款人在储蓄单位开设的储蓄账户可以分为不同的类别，主要包括（）。A.一般存款账户B.基本存款账户C.专业存款账户D.临时存款账户【答案】ABCD19、单位可以开立以下（）用途的专用存款账户。A.基本建设基金B.注册验资C.社会保障基金D.单位银行卡备用金【答案】ACD20、按寄生方式分类,计算机病毒的类型有（）。A.文件型B.操作型C.复合型D.网络型【答案】AC大题（共大题（共 1010 题）题）一、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。二、请仔细阅读以下材料：在“建设资源节约型、环境友好型社会”的专题学习中，某中学 5 名同学围绕“废旧电池回收和处理的现状与对策”课题。组成探究小组。他们利用课余时间，通过问卷、走访、查阅文献、上网等方法对废旧电池回收和处理现状进行了调查。同学们发现：第一，废旧电池会污染环境，1 节一号电池烂在地里，会使 1 平方米的土壤永久污染；1 粒纽扣电池可使600 吨水无法饮用，相当于 1 个人一生的饮水量。第二，中国每年消耗电池 70多亿只。中学生使用随身听、复读机、电子词典等，是电池消耗大户，人均年消耗电池 50 节以上。同学们了解到，第一，目前废旧电池回收率不到 2。有近八成的人认为废旧电池回收活动“与自己无关”或“没时间参加”，有 87的人将废旧电池与生活垃圾一起丢弃。第二，目前收集来的废旧电池主要由环保部门集中填埋，但填埋并不能彻底控制废旧电池的污染。同学们还了解到，提取废旧电池中的有用材料加以再利用，不仅符合我国节约资源和保护环境的基本国策，而且有可观的经济效益。据估算，处理 10 万只废旧电池，可获利 2万元左右。但企业对处理废旧电池没有积极性。因为，进 13 处理废 113 电池的机器价格昂贵。并且，一台机器每日可处理几吨废旧电池，本地的废旧电池不够它“吃”几天，导致生产能力闲置，亏本运营。假如你现在加入该探究小组，请继续探究以下问题：运用经济常识，就废旧电池的回收和处理问题，向政府有关部门提出建议。【答案】(1)从实施可持续发展战略的高度，重视废旧电池的回收、处理和再利用。(2)运用财政、金融和税收等经济手段，引导有关企业和消费者的行为，搞好废旧电池的回收、处理和再利用。(3)制定并严格执行有关法规，规范废旧电池的回收和处理。(4)运用行政手段，加强管理和监督。三、甲、乙两国有企业与另外 9 家国有企业拟联合组建设立“光中有限责任公司”(以下简称光中公司)，公司章程的部分内容为：公司股东会除召开定期会议外，还可以召开临时会议临时会议须经代表 12 以上表决权的股东，12以上的董事或 12 以上的监事提议召开。在申请公司设立登记时，工商行政管理机关指出了公司章程中规定的关于召开临时股东会议方面的不合法之处。经全体股东协商后，予以纠正。1996 年 3 月，光中公司依法登记成立，注册资本为 1 亿元，其中甲以工业产权出资，协议作价金额 1200 万元；乙出资 1400 万元，是出资最多的股东。公司成立后，由甲召集和主持了首次股东会会议，设立了董事会。1996 年