青海省2023年银行招聘之银行招聘综合知识强化训练试卷B卷附答案.doc

青海省青海省 20232023 年银行招聘之银行招聘综合知识强化训年银行招聘之银行招聘综合知识强化训练试卷练试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、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】A2、现实的资本主义市场机制在很多场合不能导致资源的有效配置，这种情况被称为“市场失灵”，以下不属于市场失灵情况的是（）。A.垄断B.外部影响C.完全信息D.公共物品【答案】C3、货币市场具一般具有期限短、流动性强、对利率敏感等特点，有（）之誉。A.货币B.票据C.基础货币D.准货币【答案】D4、We should think long term and take_measures.A.primitiveB.productiveC.permissiveD.proactive【答案】D5、我国历史上第一个统一的中央集权制的封建国家是（）。A.夏B.商C.秦D.汉【答案】C6、资料：Early ExperiencesA.To determine whether the product is user-friendlyB.To see if the process is simple enough for users to understandC.To learn about users perspectiveD.To cancel a process or navigate to a specific function or location【答案】D7、（）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】D8、And that quest has brought_benefits that improve our lives incountless ways.A.tangibleB.displayedC.conditionalD.proved【答案】A9、决算日营业终了，若本年利润科目的余额在贷方，则全年为（）。A.亏损B.收支平衡C.盈利D.盈亏情况不定【答案】C10、以下关于“企业文化”的说法，错误的是（）。A.企业文化的核心是企业的精神文明建设B.企业文化是一个组织由其价值观、符号、处事方式等组成的文化形象C.企业文化的管理方式是以柔性管理为主D.企业文化的重要任务是增强企业的凝聚力【答案】A11、There is a（）difference in meaning between the wordssurroundings and environment.A.sensibleB.subtleC.feebleD.humble【答案】B12、按照保险对象的不同可将保险分为（）。A.人身保险与财产保险B.自愿保险与强制保险C.保险与再保险D.信用保险与人身保险【答案】A13、Im sorry,Im late.My car had a _.A.pureeB.punctureC.pythonD.pane【答案】B14、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was nearly impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for admission（录取）to medical schools,she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.Ten yearsB.Nineteen yearsC.Eight yearsD.Thirty-six years【答案】C15、剩余价值（).A.在生产领域中产生，可以离开流通领域B.在流通领域中产生，但不能离开生产领域C.在生产领域中产生，通过流通领域来实现D.既在流通领域中产生，也在生产领域中产生【答案】C16、In Margaret Atwoods novel,women are_two groups based onwhether or not they can give birth to a child.A.divided intoB.divided offC.separated intoD.separated from【答案】A17、A _ criminal must have the benefit of the _ untilwere certain hes guilty.A.suspected;doubtB.doubted;suspectC.doubted;doubtD.suspected;suspect【答案】A18、中央银行提供的基础货币是通过其资产业务流通出去的，下列不属于中央银行提供基础货币途径的是（）。A.对商业银行办理再贴现或发放再贷款，变动对金融机构的债权B.中央银行收购外汇、黄金，变动储备资产C.调整存款利率，影响公众存款意愿D.在公开市场买卖政府债券，变动对政府的债权【答案】C19、下列哪个选项不在世界四大文明古国之列？（）A.巴比伦B.雅典C.埃及D.印度【答案】B20、资料：The daily changes of the market can lead investorsastray.The ups and downs make the tendency to look at the portfolio,sperformance frequently too temping.This means investers are likely toperceive mere risk,forgetting about their key term goals.A.be concerned about immediate gains and lossB.be attracted by risk rather than long term goalsC.be misled by the daily changes of the marketD.be worried about the ups and downs of the market【答案】C21、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.Luxury landmarks dominate Gulf skylineB.Oil price is boomingC.Gulf authorities refuse to raise taxesD.Oil Price is around$40 per gallon【答案】A22、在休克发病前期，患者一般会出现皮肤苍白、四肢发冷、心跳呼吸加快等症状，这是因为（）。A.呼吸系统功能紊乱B.人体温度调节功能逐步丧失C.神经系统发生病变D.血液循环不畅，供血不足【答案】D23、关于总需求曲线，以下表述错误的是（）。A.总需求曲线反映的是产品市场和货币市场同时处于均衡时，价格水平和总需求量的关系B.扩张性的财政政策使总需求曲线向右移动C.扩张性的货币政策使总需求曲线向右移动D.总需求曲线向右上方倾斜【答案】D24、在中央银行资产负债表中，属于负债项目的是（）。A.财政部门的借款B.中央银行发行债券C.外汇储备D.待收款项和固定资产【答案】B25、资料：Western business visitors are often deadline-driven andunwilling to slow down to the Chinese pace when discussing business.But in China the pace can be fast and slow simultaneously.A.Chinese businessmen look for ways to combine different optionsB.Chinese businessmen have stronger sense of national prideC.Chinese businessmen have their own pace doing businessD.Chinese businessmen treasure close relationship【答案】B26、流动性资产是指（）个月内变现的资产。A.1B.2C.6D.12【答案】D27、在中央银行资产负债表中，属于负债项目的是（）。A.财政部门的借款B.中央银行发行债券C.外汇储备D.待收款项和固定资产【答案】B28、高通胀下的 GDP 增长将导致金融市场行情（）。A.上升B.下跌C.不变D.都有可能【答案】B29、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.People were obsessed with imported productsB.The Dollar depreciated against EuroC.The small brewers and megabrewers used the same type of hop flowerD.Brewers Association was founded【答案】A30、资料：Some companies are more creative in their use of historythan others.HSBCs History Wall,a striking art installation at thebanks London headquarters,is made up of 3,743 images drawn fromthe banks archives and arranged in chronological order.A.Activities did by HSBC are better than those of Coca-colaB.New designs inspired by old products are not goodC.Young companies do better than old companies in using historyD.Consumers often trust old-aged companies more【答案】D31、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在（）以内的中短期债券。A.六个月B.一年C.两年D.三年【答案】D32、在 Exce1 中，确认数据输入有三种方法，以下方法中不属于这三种之一的是（）。A.按 Enter 键B.按 Tab 键C.用鼠标单击编辑栏上的“”D.按 Shift 键【答案】D33、The interplay between national and organizational culture hasbeen subject to _ debates in the literature on organizationaltheory.A.severeB.perpetualC.frequentD.continuous【答案】B34、The news that they failed their driving test discouraged him，（）？A.did theyB.didnt theyC.did itD.didnt it【答案】D35、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】C36、Its too（）to do the bungee jumping from the cliff.A.residentialB.remoteC.riskyD.ridiculous【答案】C37、扩张性财政政策对经济的影响是（）。A.缓和了经济萧条，也减轻了政府债务B.缓和了经济萧条，但增加了政府债务C.缓和了通货膨胀，但增加了政府债务D.缓和了通货膨胀，也减轻了政府债务【答案】B38、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was nearly impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for admission（录取）to medical schools,she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.She decided to further her education in ParisB.serious eye problem shopped herC.She couldnt get admitted to medical schoolD.It was difficult for her to start a practice in the United States【答案】B39、某企业投资了一个加工厂，建成后，每年可生产某种零件 2.5 万件，每件毛利润为 1 元。第一年的维护成本是 0.1 万元，以后按照每年 0.1 万元递增，则该厂可在第（）年实现累计利润（毛利润-维护成本）20 万的目标。A.12B.11C.10D.13【答案】B40、资料：Italys next government,a coalition between thepopulistFive Star Movement and the far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to leave the euro or ask theEuropean Central Bank to forgive 250bn（$292bn）of Italian debt.But less attention has been paid to what it might mean for Italianbanks,and in particular for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any country in the European Union.（1）A.uneasyB.awkwardC.furiousD.indifferent【答案】A41、Passage 2A.Find out how you should address the host familyB.Always be prepared for the unexpectedC.Be prompt during meal timesD.tablish a rapport with the host family【答案】C42、股票是（）。A.可以随时收回的股金凭证B.投资入股和按期获得股息收入的凭证C.一般贷款取得利息的凭证D.没有价值不能买卖的无价证券【答案】B43、He has been studying here for three years,by next summer he_.A.will graduateB.will have graduatedC.will be graduatedD.will be graduating【答案】B44、资料：Virgin America helped Airbus pip Boeing at the post toretain its crown as the worlds largest commercial plane maker.A.fuel priceB.low-cost carriesC.emerging markets in the Middle EastD.emerging markets in Asia【答案】A45、资料：之后，经济学家 Mr.W 谈了谈对中国的一些看法，请根据下列资料回答问题。A.he German-based corruption watchdog is probably a committee whichmakes sure that companies do not act illegally or irresponsiblyB.Bribery,nepotism,gift giving,and kickbacks are illegal in thecommercial activitiesC.Westerners are more critical about Guan xi in businessD.All of above【答案】D46、Passage 5A.brought about a rapid growth of industry and farming in the westB.attracted many visitors to the construction sitesC.attracted laborers from EuropeD.encouraged people to travel all over the country【答案】A47、央行两次降息，那么，降息对下列人员最有利的是（）。A.30 岁，待业青年B.小张去年毕业，是一家外企的基层员工C.老王已于 2010 年退休，现赋闲在家D.周某 65 岁，在银行有 10 万元存款【答案】A48、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.How to become a good collaboratorB.How to train your audienceC.What makes listening attractive?D.What do good listeners do?【答案】D49、资料：The data a bank has stored on its servers is more valuablethan the gold in its vaults.Banks enjoy a monopoly over data thathas helped them get away with poor services and fend off competitors.In Europe,at least,that is all about to change with a new set ofregulations,named PSD2.A.Customers are forced to share their bank dataB.Banks are required to open up their entire operational systemC.Regulators should be both tough and flexibleD.Banks and third parties should be regulated with a light touch【答案】C50、The（）tough training given by our company creates strong andable sales representatives who perform well above others in the samefield.A.indifferentlyB.presumableC.completelyD.unbearably【答案】D多选题（共多选题（共 2020 题）题）1、各种账务处理程序的相同之处有（）。A.根据原始凭证编制汇总原始凭证B.根据原始凭证、汇总原始凭证和记账凭证，登记各种明细分类账C.根据收款凭证和付款凭证登记现金、银行存款日记账D.根据总账和明细账编制会计报表【答案】ABCD2、2019 年 8 月 1 日，中国银行在上海举行长三角一体化综合金融服务方案发布会。会上，中国银行全资子公司中银理财有限责任公司（以下简称“中银理财”）发布首期长三角一体化主题理财产品，下列属于该产品的是（）。A.长三角养老中银策略稳富”定期开放式净值型产品B.长三角养老中银策略稳赢”定期开放式净值型产品C.长三角新发展中银睿富”三年封闭式净值型产品D.长三角新发展中银睿智”三年封闭式净值型产品【答案】AC3、以人为本是科学发展的本质和核心。以人为本中的“人”是指（）。A.具体的现实的人B.广大人民群众C.作为个体的人D.社会全体成员【答案】ABD4、近年来，在合并农村信用社的基础上组建而成的农村金融机构有（）。A.农村信用社B.农村商业银行C.农村合作银行D.村镇银行【答案】BC5、目前商业银行的表外业务主要有（）。A.期货与远期交易B.消费贷款业务C.银行承兑汇票D.备用信用证E.电算化存款业务【答案】ACD6、现代信息技术的支柱是（）。A.计算机技术B.微电子技术C.通信技术D.网络技术【答案】AC7、在直接融资领域中，直接金融机构的服务对象主要是（）。A.存款人B.投资者C.企业D.筹资者E.银行金融机构【答案】BD8、下列（）属于企业留存收益。A.法定公积金B.任意公积金C.资本公积D.未分配利润【答案】ABD9、巴塞尔新资本协议要求银行信息披露的范围包括（）。A.资本充足率B.资本构成C.风险敞口及风险管理策略D.盈利能力【答案】ABCD10、关于国际收支说，下列说法正确的有（）。A.认为外汇汇率决定于外汇的供求B.现代的国际收支理论是凯恩斯主义的汇率理论C.是关于汇率决定的存量理论D.认为影响国际收支的因素也将间接影响汇率【答案】ABD11、商业银行的内部控制目标包括（）。A.确保国家法律规定和商业银行内部规章制度的贯彻执行B.确保商业银行发展战略和经营目标的全面实施和充分实现C.确保风险管理体系的有效性D.确保业务记录、财务信息和其他管理信息的及时、真实和完整【答案】ABCD12、现金的审计工作主要包括()。A.审查现金账务是否真实正确B.库存现金盘点C.现金的收支是否正确D.审查现金收付业务是否合法、合规【答案】ABD13、证券价格越高，则意味着（）。A.利息率越高B.人们处于投机动机持有的货币数量越少C.利息率越低D.人们处于投机动机持有的货币数量越多【答案】CD14、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】AD15、现行宪法对公民财产权的保护范围包括（）。A.合法的收入、储蓄B.房屋所有权C.债券、股票D.私有财产的继承权【答案】ABCD16、银行各营业机构在营业大厅内均应设立“两台”、“一座”，“两台”是指（）。A.咨询台B.写字台C.收银台D.贵宾接待室【答案】AB17、2009 年 10 月 22 日，国家统计局新闻发言人、国民经济综合统计司司长李晓超介绍前三季度国民经济运行情况时指出，2008 年四季度出台实施的应对危机，保持经济平稳较快发展的一揽子计划，对整个国民经济应该说产生了明显的成效。当然，我们也要看到虽然一揽子计划取得了明显成效，经济发展前进路上还有不少的困难和矛盾。这段材料体现了（）。A.事物的发展是一个过程B.事物都有好和坏两个方面，要一分为二地看待当前经济形势C.事物的性质是由主要矛盾的主要方面决定的D.事物之间都存在互为因果关系【答案】AC18、证券价格越高，则意味着（）。A.利息率越高B.人们处于投机动机持有的货币数量越少C.利息率越低D.人们处于投机动机持有的货币数量越多【答案】CD19、教育储蓄的期限可分为（）。A.1 年B.5 年C.3 年D.6 年【答案】ACD20、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】ACD大题（共大题（共 1010 题）题）一、结合中国实际，写一篇 1000 字以上的商业评论。零利率是货币经济学里面的一个神话，即是说利率不可能达到零以下，如果达到零以下，人们都会囤积现金。这个理论被称为零开氏度货币利率的一个极限。瑞典央行在 2009 年曾下调了存款准备金利率。使得存款准备金利率在负值。此举引发了两个问题：是否应该这样做?能否做到?请谈谈你的看法。【答案】我认为是能够做到的。首先，现代央行管理下的利率不止一个。瑞典央行没有把所有的利率都降至零以下，调整的只有存款准备金利率，即各银行存放在央行的存款利率。施行存款负利率是为了阻碍银行以央行准备金的形式囤积过剩的流动性而不贷款给客户。该央行实行负利率，是为了一种目的性很强的操作。因此，负利率并不是一个非此即彼的命题。其次，即便我们接受一个下限的存在，它也可能不是零。零下限的传统论据是：人们肯定会把存款变成现金，但他们必须把现金存放在某个地方并加以保护。这是要花钱的。美联储一位官员曾说，他估计实际存储的成本介于现金价值的 1至 2之间。这意味着，-1或-2的利率，可能不会引发人们大规模的提现行为。在这个利率水平上，人们和银行还是愿意把多余现金作为存款，而不是把它藏在床下，并雇佣 24 小时保安来看守。存储成本仍意味着一个下限，而这个下限是零以下。最后，央行可能会利用政策阻碍囤积现金的行为。一种极端的做法是，给现金做上标记，并给纸币设定一个到期日，迫使持有者支付一笔相当于负利率的费用。考虑到前面两个论点，可能不必要采取这种做法，因为目前的经济状况不需要施行极端的负利率，但知道这种政策可以在必要时使用是有好处的。那么，央行为何仍对零下限望而生畏呢?这里有几种解释。一种说法是，各国央行行长很怕冒险，不愿踏入之前无人涉足的领域，这就需要一家小型央行(例如瑞典央行)来迈出第一步。还有一种说法是，零利率或负利率可能会吸引投资者购买高风险资产，因为他们十分清楚：一旦经济复苏，这些政策迟早将会逆转。但如果非积极政策导致通胀率剧烈波动，它们也可能会造成金融动荡和财富分配不公。因此，对于各国央行而言，通过调整利率，将通胀预期稳定在一个理想的水平上通常是最佳做法，哪怕有时候需要有力的政策行动。然而，要想让任何此类政策令人信赖并获得成功，都需要一个前提条件，央行必须采取对称性行动。当经济复苏、通胀压力上升时，央行必须同样有力地上调利率。因此，如果你认为现在应该是负利率的话，那么你也应该承认，几年之后，利率可能会升至很高的正值。虽然我本人完全信任瑞典央行，但我怀疑其他所有央行是否有这个勇气。二、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。三、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