22年银行招聘考试考试真题及详解6卷.docx

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1、22年银行招聘考试考试真题及详解6卷22年银行招聘考试考试真题及详解6卷 第1卷真正伟大的历史人物，他所展现出来的价值和意义，绝不是他所处的那个时代所能够局限的，一定可以超越他所在的那个具体的时代和具体的生存环境，超越时空，焕发出_的永恒的价值。填入横线部分最恰当的一项是（）A.历久弥新B.日新月异C.亘古不变D.与日俱增答案：A解析：本题考査成语的应用。由“超越时空”可知，题干强调的是这种价值不会受时间的限制，反而经历的时间越久越会焕发出新的活力，“历久弥新”符合题意。“日新月异”侧重于变化与日俱增”侧重于增长，“亘古不变”侧重于恒久不变。故选A。储蓄机构办理储蓄业务时应遵守哪些基本规定？答

2、案：解析：(1)储蓄机构办理储蓄业务，必须遵循“存款自愿、取款自由、存款有息、为储户保密” 的原则。(2)储蓄机构应当按照规定时间营业，不得擅自停业或缩短营业时间。(3)储蓄机构应当保证储蓄存款本金和利息的支付，不得违反规定拒绝支付储蓄存款本金和利息。(4)储蓄机构不得使用不正当手段吸收储蓄存款。(5)储蓄机构必须执行统一的利率政策，不得擅自变动利率。般人进入高海拔地区后会出现头晕、气喘、易疲劳等症状，即高原反应。然而，一些竞技体育项目的运动员却在比赛前专门到高海拔地区进行强化训练，其主要原因是（ ）。A.高海拔地区空气清新，有利于运动员身体健康B.高海拔地区气压较低，有利于运动员强化训练C.

3、高海拔地区环境恶劣，在这种环境下训练能够磨炼运动员的意志D.高海拔地区空气稀薄，在这种环境下训练可以增强运动员的心肺功能答案：D解析：高海拔地区空气较为稀薄，可以增强运动员的心肺功能，答案选D。目前网络传输介质中传输速率最髙的是（ ）。A.双绞线 B.同轴电缆C.光缆 D.电话线答案：C解析：传输介质是网络中节点之间的物理通路，目前传输介质可以分为有线及 无线两种。常用有线介质有双绞线、同轴电缆、光缆等，其中光缆传输速率最高。无线介质有 微波、红外线、卫星通信等。GDP是衡量经济发展状况的重要指标。那么下列表述中，()不会计入GDPA.甲请假一天，粉刷自家新房，节省了300元人工费B.某家庭雇

4、佣小时工，每月支出3000元人民币C.某家庭在春节时购买了500元人民币的烟花D.节假日，某家庭外出旅游，支出的费用2万元人民币答案：A解析：GDP是指是一个国家或一个地区所有常住单位在一定时期内运用生产要素所生产的全部最终产品(包括商品和服务)的市场价值。甲自己粉刷新房，并没有支付他人劳务费，没有发生价值增值，所以答案选择A。刑法规定，对于中止犯罪，没有造成损害的，（ ）免除处罚，造成损害的，应当减轻处罚。 A.应当 B.可以C.视情节轻微程度 D.如果是过失的答案：A解析：刑法第24条规定：“在犯罪过程中，自动放弃犯罪或者自动有效地防止 犯罪结果发生的，是犯罪中止。对于中止犯，没有造成损害

5、的，应当免除处罚；造成损害的，应 当减轻处罚。”由此可知，本题答案为A。Which of the information should be entered on the form?A.Amount of money earnedB.Name of employerC.Remittance method usedD.Employees company address答案：A解析：“1Total wagesin 2022指出应当填写2022年所挣的收入。某厂商将某洗衣机九折出售，仍然能获得35%的利润，那么厂商在定价时期望获得的利润 率是（ ）。A. 40% B. 50% C. 55% D. 6

6、0%答案：B解析：假设原定价为1，则现在的定价为0. 9。成本为0. 9 + (1 + 35%)=2/3。则定价时期望的利润率为（1一2/3)除2/3=50%22年银行招聘考试考试真题及详解6卷 第2卷 出版业要再现辉煌，不能过度把心思花在图书的包装上，而要重视“文本第一”的读者需求。因为任何包装都只是一种形式，要为内容服务。过度包装不仅违背可持续的发展思路，也人为地阻隔了文字进行有效传播的力量，这种_效应带来的后果对并不景气的出版业而言，无疑是_。 填入划横线部分最恰当的一项是（）。A.极端 日暮途穷B.短视 雪上加霜 C.消极 祸不单行 D.连带 内外交困 答案：B解析：由“这种”可知，“

7、违背可持续的发展思路，也人为地阻隔了文字进行有效传播的力量”是对第一空词语的解释说明。“短视”能与“违背可持续的发展思路”进行语义上的准确对应故第一空填人“短视”最恰当。第二空说的是过度包装对本就不景气的出版业的负面作用，“雪上加霜”契合句意。故本题答案为B。各银行营业机构在业务上尤其应当做到“三公开”，“三公开”是指（）。A.公开业务处理的手续B.公开银行经办业务的种类C.公开业务规范D.公开金融政策纪律答案：A,B,D解析：业务上的“三公开”即业务处理的手续、银行经办业务的种类和金融政策纪律。行为科学双因素理论中，双因素指的是（ ）。A.人和物的因素 B.信息与环境因素C.保健因素与激励因

8、素 D.自然因素与社会因素答案：C解析：美国心理学家赫茨伯格提出了双因素理论。他认为引起人们工作动机的因素有两个，即保健因素和激励因素。从以往的并购重组经验来看，国企与国企之间的并购重组，效果并不比民营与国企、外资与国企重组的效果好。央企与地方国企之间，出资人代表虽然不一样，但机制和体制却相差不多，_，并不利于重组后的创新。根据文意，下列哪句话填入划线处最合适？（ ）A.在经营理念和价值取向上是趋同化的B.央企大规模并购地方企业的做法不值得提倡C.新企业并没有改变所有制属性D.央企在经营困难时更容易得到政府的支持答案：A解析：“评论”后内容包括两句话，第一句指出国企与国企之间的并购重组效果不一

9、定好，第二句对此原因进行了分析，即二者机制和体制趋同，不利于重组后的创新。横线句子是对前句“机制和体制却相差不多”的补充说明，A 项的“趋同化”表述与此一致，故本题选A。货币政策一般性工具包括（）。A.直接信用控制B.法定存款准备金率C.窗口指导D.再贴现率答案：B,D解析：中央银行货币政策的一般性工具，主要包括法定存款准备金率、再贴现率和公开市场业务。A、C属于选择性工具。我国企业会计准则规定，企业的会计核算应当以（）为基础。A. 实地盘存制B.永续盘存制C.收付实现制D.权责发生制答案：D解析： 下列选项中，不属于Internel提供的服务是（）。A.电子邮件B.文件传输C.远程登录D.实

10、时监测控制 答案：D解析：Intenaet提供的常用服务是环球网(WWW)、电子邮件(E-mail)、文件传输协议(VFP)、远程登录(Telnet)、电子公告牌系统(BBS)。耶路撒冷是( ) 的圣地。A.印度教B.犹太教C.基督教D.伊斯兰教答案：B,C,D解析：耶路撒冷是三教圣地一-犹太教、伊斯兰教、基督教。22年银行招聘考试考试真题及详解6卷 第3卷资料：Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized

11、 voluntary benefits. Voluntary benefits are on longer looked at as just a few “extras”, and are now becoming part of a comprehensive benefits package. Lots take a look at how voluntary benefits have become more customized to meet the requirements of a more particular health care consumer.Voluntary B

12、enefits Bolster Recruitment and Retention EffortsIt gives employees a chance to select extras that the standard health care plan doesnt offer, which can be highly attractive to todays consumers Employers can also use voluntary benefits to round out their health care plans with a menu of items that c

13、over everything from family vision care to pet insurance. This helps companies to address the specific heath and financial needs of candidates, to help the stretch their future paychecks even further.The Advantages of Offering Voluntary Employee BenefitsIn terms of being adaptable to the needs of em

14、ployees, there are very few benefits that are like voluntary plans. Voluntary plans cover many of the gaps that traditional health benefits do not cover. For example, a health care plan may require dental services for minors, but not for adults. The voluntary dental program can cover things like rou

15、tine cleanings and other preventative measures that help support good oral health. Customizing Voluntary Benefit PlansThere are several areas where voluntary benefit plans exceed the customization options of other types of wellness and financial benefits. This is a continual trend that we will see m

16、ore of. Financial wellness benefits can include budgeting software, company matched savings plans, employee purchase programs, discount cards, credit union access, and even short term financing to help employees who otherwise cannot get credit to purchase things they need. Some companies offer suppo

17、rt for buying of leasing vehicles, pay off college loans, arrange for special discounts and deals on home rentals and purchases, and even provide access to tuition for college expenses.The author views the voluntary employee benefits as_A.Revolutionary.B.Reliable.C.Salutary.D.Unassailable.答案：A解析：本题考

18、查的是态度理解。author views；voluntary employee benefits第1自然段Gone are the days of “one-size-fits-all” employee benefits programs and here come newly designed and fully customized voluntary benefits. “一刀切”员工福利计划的日子已经一去不复返了，现在呈现的是全新设计的、完全为客户定制的自愿福利。本题的问题是“作者认为自愿员工福利是_”。A选项“革命性的”，B选项“值得信赖的”，C选项“有益的”，D选项“不容置疑的”

19、。根据主题句，自愿员工福利取代了传统福利，具备下文所说的诸多好处，具有划时代的意义。当某厂商以最小成本生产既定产量时，那它（ ）。A.总收益为零 B. 一定获得最大利润C. 一定未获得最大利润 D.无法确定是否获得最大利润答案：D解析：在厂商所处市场类型不明的情况下，利润曲线上的成本最低点与利润最 大点并不一定是同一点，只有在完全竞争市场中两点才会重合。另一方面，厂商的利润与市场 有关，如果市场价格很低，则生产无论是否达到帕累托最优，厂商都将亏损。下列属于银监会的监管理念的是（）。A.管风险B.提高透明度C.管机构D.管法人E.管内控答案：A,B,D,E解析：中国银监会明确提出了四个监管理念：

20、一是管法人，将银行机构作为一个法人整体进行监管；二是管风险，增强银行机构识别、监测和控制风险的能力：三是管内控，严格监管银行机构内控制度建设和执行情况，培养银行防范风险的自律意识：四是提高透明度，通过真实披露信息，约束经营者的行为。到2022年末，股民资金开户数比2022年末增长了大约（ ）。A. 90% B. 98% C. 100% D. 101%答案：B解析：根据表1可知，2022年股民资金开户数为139. 05（万户），2022年为70. 07（万户），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：A,B,D解析：在马斯洛的需求层次理论中，属于成长

21、性需要的是（）。A.安全需求B.归属与爱的需求C.尊重的需求D.自我实现的需求答案：D解析：马斯洛提出了著名的需求层次理论，认为人的基本需要从低级到高级依次是生理需要、安全需要、归属与爱的需要、尊重的需要和自我实现的需要。但随着对自我实现的人的研究的深入，马斯洛也在不断完善其需要理论，马斯洛认为存在两种需要，一是匮乏性需要，二是成长性需要。匮乏性需要是指生理需要、安全需要、爱和归属需要、尊重需要。成长性需要主要指自我实现需要。对于外人来说，武陵源有着难以描述的神奇与秀丽。而在当地土家族人眼中，每座形态各异的石峰，都能演绎出一个神奇古老的传说。通过这段文字我们可以知道（）A.居住在武陵源的人都是

22、土家族人B.武陵源在当地人眼中并不怎么秀丽C.外人对武陵源的古老传说大多不怎么了解D.武陵源无论对外人还是对当地人都是有魅力的答案：D解析：根据这段文字的主旨，对于外地人来说武陵源充满着神奇和美丽，而对于当地人也具有神话色彩。这说明无论对于外地人还是当地人，武陵源都是有魅力的。故选择D。鼓舞对于（）相当于（）对于捏造A.士气；谎言B.打击；欺骗C.煽动；创作D.语言；文书答案：C解析：鼓舞与煽动意思相近，且前者为褒义词，后者为贬义词。创作与捏造意思相近且前者为褒义词，后者为贬义词。故答案选C。22年银行招聘考试考试真题及详解6卷 第4卷金融机构或代理融通公司购买借款企业的应收账款，并在账款收回

23、前提供融通资金之外的其他服务项目，如信用分析、催收账款、代办会计处理手续以及承担倒账风险，这种融资方式是()A.保理 B.福费廷C.出口押汇 D.买方信贷答案：A解析：保理又称托收保付，是国际贸易中以托收、赊账方式结算货款时，出口方为了避免收汇风险而采取的一种请求第三者（保理商）承担风险的办法。资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer f

24、or financial markets, theres a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing.The concern is the growing awareness of central banks waning ability to boost growth with ever-l

25、ower interest rates and ever-bigger purchases of assets. The debate about if, when and how slowly the US Federal Reserve will raise interest drags on, but if downward pressure on global bond yields from the European Central Bank （ECB） and the Bank of Japans （BOJ） largesse is drawing to a close, that

26、s a bigger milestone for markets. A world of higher bond yields is one where the pressure to seek yield in exotic places is diminished. Its also a world where the capital gains that accompanied falling yields become capital losses and investors question the merit of bonds over cash （or equities）.Thi

27、s search for yield in exotic places has, since the end of January, helped the Brazilian real gain more than 20% against the US dollar, with the Russian rouble managing almost as much. The dollar, itself, has fallen back is by 7.5% fall in trade-weighted terms, unwinding nearly 40% of the gains it ha

28、s seen since mind-2022. Theres no need to panic about bond yields rising, because rate rises in Japan or the Eurozone are years away and the Feds still tinkering. But 10-year yields on both German and Japanese government bond yields fell below zero for the first time in late June. They have been edg

29、ing higher through the summer. Its almost as if investors really arent that keen on tying money up at negative yields for that long why not stick to cash?In the US, estimates of neutral real interest rates are tumbling to around zero. Estimates of how much slack there is left in the labour market ar

30、e being revised up and after five years when productivity growth has averaged a measly 0.5%, theres widespread acceptance that its unlikely to accelerate by magic. But even if we take all of this into account, markets are now pricing in an extraordinarily slow pace of rate hikes by the Fed from thei

31、r current 0.25-0.5% range, to about 0.75% by the end of 2022 and to 1% by the end of 2022.GDP growth still oscillates around 2%, the Feds favoured measure of inflation is at 1.6% and the unemployment rate is trending lower. The pricing of the future path of short term rates seems too low even for th

32、e new normal economic environment. All of these currencies have gained against the pound and I cant see that changing. Too much importance should not be placed on either the collapse in confidence immediately after the vote to leave the EU or the subsequent bounce.The economic impact of leaving the

33、EU will be felt through delayed investment decisions as a result of uncertainty about when and on what terms it happens. A debilitating rather than a corrosive impact on the economy will be seen in slower, but positive growth. It will also be felt in further （slower） sterling weakness. The Bank of E

34、ngland has already cut policy rates from 0.5% to 0.25%, and theres more to come from both the Bank and the pound over the next year. A 5% fall from here would take the pound close to 1.1, and we could see it fall below $1.25 as the Federal Reserve edges rates higher.The word “tumbling” in the sixth

35、paragraph refers to _fallingA.fallingB.pushingC.keepingD.changing答案：A解析：本题考查的是词义猜测。 tumbling；sixth paragraph In the US,estimates of “neutral”real interest rates are tumbling to around zero.在美国，对“中性”实际利率的估计已跌至零左右。题目意为“第六自然段中tumbling是什么意思？”选项A意为“下降；落下”；选项B意为“推挤”；选项C意为“保持”；选项D意为“改变”。“tumbling”原意为“翻筋斗；摔

36、跤”，本句话中引申为“下跌”，故A选项更符合句意。图形推理。请按每道题的答题要求作答。从所给的四个选项中，选择最合适的一个填入问号处，使之呈现一定的规律性（）。A.选项AB.选项BC.选项CD.选项D答案：B解析：每个图形中均有“圆”，选项中只有B符合这一特征。A New Study Says You Can Spread to Your DogResearch shows that most dog owners find their pets to be great stress busters.Curling up on the couch with your pug on playin

37、g eatch with your Labradoodle is a great way to unwind and letthe cares of the dlay slip away . New science has some bud news for dog owners. Dog might ease your stress. but they can also catch it,Is an old joke that dogs resemble their owners, but according to this new study out of linkoping univer

38、sily in sweden . Its actually true in one lecus funny way: stressed out owners have stressedout dog .To figure this out the researchers took hair samples from 25 border collies and 33 shetland sheepdogs. AS well as their female owners. For both humans and dogs . Hair records the level of the stress

39、bormone cortisol in the body over time s0 by analy zing these hairs, the team could figure out just now much stress both the owners and their pets were under long_ ferm.The studly found the stress level of the dogs and their owners matched up : higher levels of sitress among owners showed up as high

40、er levels of stress in their dogs. The efct was even more pronounced if the dogs was female or if it took part in agility copettions with is owner.Previous research has found that cortisol in humans and their dogs can rise together in the short term especially when competing. But this finding was so

41、meting new. This is the first time weve seen a long term synchroniation in stress levels between members of two diferent species。We havent scen this between humans and dogs before. lead research lina r oth told the guardian.And what about a poochs lifestyle?did limited opportunitics for play or more

42、 time spent alone stress out the dogs? nearly as much as belonging to a human with high cortisol levels. The personality of the owner seemed to play a role to. Although that varied with the sex of the dog.Female dogs whose owners had higher scores in the Big five traits of neurotic ism openness, and

43、 conscientiousness had higher cortisol levels, while the same was true of male dogs whose owners scored high in agreeableness.This will not come as a huge surprise to many observant folks who have noticed that highly stung people offen have a highly strung dogs. But should scientifie confrmation of

44、this conection between owners and their dogs put pet if youre arcciety prone? Or if youre under a lot of stress and already a pet owner, should you feel guilty?Roth replies 1 dont think you should be anxious that , if youre sressed, you might harm your dog instead, your dog is a 8ocial support for y

45、ou, and you are a social support for the dog.Your sressede out than made up for by exstra pats , belly rubs, and tennis ball throws.Though if you do lean towards the anxious side, you might want to think carefully about choosing a resilient type of dog. Just which breeds are best is still an open qu

46、estion.one Roth andher collaborators hope.It may be possible to match dog and owner in a way that is better for both, from a stress- management says It may be that certain breeds are not so deeply afected if their owner hasa high sres leve! Which factor canmot result in dogs stess?()A. CompetitionsB

47、. Owners companionC. Dogs GenderD. Owners personality答案：B解析：第四段表明研究发现，狗和主人的压力水平是一致的:主人压力越大， 狗的压力也越大。The eleet was even more promounced if the dogs was female or if it took part in agility conpttions with its owner如果这些狗是雌性的，或者它们和主人一起参加敏捷活动，这种效果会更加明显。C提到;第五段，Previous research has found that cortisol i

48、n humans and their dogs can rise together in the short term, especily when compeing此前的研充发现，人类和他们的狗狗体内的皮质醇水平可以在短期内同时升高，尤其是在竞争时。A提到;第六段，The personality of the owner seemed to play a role to.主人的个性似乎起了作用。提到D。而B主人的同伴没有提到。核心资本又叫产权资本，它是银行资本的构成部分，一般认为至少要占资本总额的（ ）。A.30% B.40% C.50% D.60%答案：C解析：核心资本又叫一级资本和产权资

49、本，是指权益资本和公开储备，它是银行资本的构成部分，至少要占资本总额的50%，不得低于兑现金融资产总额的4%。45.我只不过是替他（ ）了几句，说明了事实的真相。A.辩护 B.辩解C.辩白 D.辩证答案：C解析：“辩护”强调保护正当利益，“辩证”现在基本做形容词用，形容眼光全面。A、D易 排除。“辩解”与“辩白”两词，“辩解”即分辩解释，强调弄清事实之意，“辩白”指在被误解或被指责 等情况下分辩，使事实得以澄清。结合材料，该空与后面的“说明了事实的真相”是并列关系，故 “说明了事实的真相”即为待填词的含义。故选C。下列信用工具中，属于短期信用工具的有（）。A.优先股B.商业汇票?C.公债券D.保付支票答案：B,D解析：优先股没有偿还期限，公债券一般在一年以上。下列各项中不是导致通货紧缩的原因是（ ）。A.紧缩的