银行招聘考试考试历年真题精选7篇.docx

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1、银行招聘考试考试历年真题精选7篇银行招聘考试考试历年真题精选7篇 第1篇现代物理学理论认为，介子与质子、中子等基本粒子一样也是由夸克所组成，但又不同于 质子和中子这类由3个夸克所构成的强子。普通介子则由一正一反的2个夸克构成。介 子种类较多，但因其寿命很短，性质也不稳定，在人们日常生活中并不存在。根据这段文字，下列说法错误的是（ ）。A.介子与质子、中子一样，都属于基本粒子B.介子与质子、中子都是由夸克所组成C.构成介子、质子和中子的夸克都是一正一反D.介子寿命很短，在日常生活中并不存在答案：C解析：由原文段“不同于质子和中子这类由3个夸克所构成的强子。普通介子 则由一正一反的2个夸克构成”可

2、知，C项的表述是错误的。英国“现实视觉”公司最近宣布研制了新型计算机三维液晶显示屏。新型三维液晶显示屏通过使稍有区别的不同图像分别进入人的左、右眼，来获得立体效果。不同的图像可通过隔行扫描的方式呈现于普通的液晶显示屏上其中进入左眼的图像显于偶数行，进入右眼的图像位于奇数行。为了获得立体效果。新型显示屏采用了新颖的后照光装置，该装置可采用普通光源，但这些普通光源发出的光需通过液晶显示屏后的全息图案记录板，才能照射至显示屏。以下关于获得“立体效果”的说明，不正确的一项是（）。农行真题A.新型显示屏通过区别较大的图像分别进入人的左右眼来获得立体效果B.通过隔行扫描的方式可使不同的图像呈现于普通的液晶

3、显示屏中C.进入左右眼的图像分别显示于偶数行和奇数行D.为了获得立体效果显示屏采用了新的装置，该装置可采用普通光源答案：A解析：原文为“通过使稍有区别的不同图像”而非“区别较大的图像”，故A项有误。本题答案为A。债券价格、必要收益率与息票利率之间存在以下（ ）的关系。A.息票利率小于市场利率，债券价格高于票面价值B.息票利率小于市场利率，债券价格小于票面价值 C.息票利率大于市场利率，债券价格小于票面价值 D.息票利率等于市场利率，债券价格不等于票面价值答案：B解析：在市场利率(或债券预期收益率）高于债券收益率（息票利率）时，债券的市场价格（购买价债券面值，即债券为贴现或打折发行；在市场利率（

4、或债券预期收益率）低于债券收益率(息票利率）时，债券的市场价格（购买价)债券面值，即债券为溢价发行;在市场利率(或债券预期收益率）等于债券收益率(息票利率）时，债券的市场价格（购买价）=债券面值，即债券为等价发行。What did Ms. Waring do before filling out the claim form? （）A.She visited a bookstoreB.She canceled her paymentC.She returned the itemD.She called the seller答案：D解析：答案仍然在“Claim Details”部分中“I cal

5、led the customer service number listed on the Web site”，故答案选D。某公司测算，若采用银行业务集中法，增设收账中心，可使公司应收账款平均余额由现在的800万元减至600万元，每年增加相关费用15万元。该公司年综合资金成本率为10%， 则（）。A.该公司应采用银行业务集中法B.该公司不应采用银行业务集中法C.不应采用银行业务集中法而应采用邮政信箱法D.无法确定答案：A解析：根据分散收账收益净额的计算公式：（800 600） 10% 15 = 5（万元） 0，所以应采用银行业务集中法。While the accounting departme

6、nt is closed, all billing questions will be _by the customer service department.A.expiredB.attendedC.repliedD.handled答案：D解析：因为会计部关门了，因此所有的计费问题将由客户服务中心处理。“expire”是“期满”的意思；“attend”是“参加”；“reply”是“回复”；“handle”是“处理”的意思，故选D。我国反垄断法明文规定垄断协议的法律责任，包括（ ）。A.道德责任B.舆论责任C.民事责任D.刑事责任答案：C,D解析：垄断协议是指两个或两个以上的经营者以协议、决议

7、或其他联合方式实施的限制竞争行为。我国反垄断法明文规定垄断协议的法律责任包括民事责任、行政责任和刑事责任三种，故CD选项正确。道德责任是人们对自己行为的过失及其不良后果在道义上所承担的责任。舆论责任与道德责任都不是法律责任，故AB选项错误。所以答案选CD。微型计算机的运算器、控制器及内存储器的总称是（ ）。A.CPUB.ALUC. MPUD.主机答案：D解析：CPU是中央处理器的简称,它包括MPU和ALU，主要由运算器、控制器、寄存器组和内部总线等构成。MPU是微处理器的简称；ALU是算术逻辑单元的简称。CPU和内存储器的总称为主机，它是微型机核心部分。银行招聘考试考试历年真题精选7篇 第2篇

8、为促进房地产市场健康发展，央行与银监会与2022 年9 月30 日联合发文，在不实施限购的城市，对居民家庭首次购买住房的商业性个人住房贷款，最低首付款比例调整为不低于25%，降低房地产贷款的首付比例，属于货币政策工具中的（ ）。A.选择性控制工具B.直接信用指导C.间接信用指导D.一般性控制工具答案：A解析：本题所说的是选择性控制工具中的不动产信用控制，不动产信用控制具体有规定房地产的最高限额，最长期限，首付款和最低还款金额等。表中海拔高度位居第三的城市，其最湿月平均降水量约占全年平均降水量的（ ）。A. 15. 6% B. 17. 7% C.18. 9% D. 31. 5%答案：D解析：由表

9、可知，海拔高度位居第三位的城市为北京，其最湿月平均降水量占全年平均降水量的182 578X100%31. 5%，故正确答案为D。资料：New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the worlds derivatives

10、center, and Houston, the largest city in Texas, is home to Americas biggest energy firms and has spawned an active cluster of energy traders and hedge funds.Europe has also developed a diverse set of financial centers ranging from big cities to island havens such as Jersey and to niche markets such

11、as Luxembourg and Dublin. Edinburg, an established banking center, is now touting itself as a low-cost alternative for financial operations. Among the larger hubs, Frankfurt is an important center for banking and derivatives trading through Eurex, a German-Swiss exchange, with significantly lower co

12、sts than London.Switzerlands twin financial centers, Geneva and Zurich, have done well in their specialists of private banking, wealth management and insurance. The main attractions are low taxes, political stability and a reputation for discretion. Urs Roth from the Swiss Bankers Association says,

13、however, that given its tiny domestic market, Switzerland has had to fight for open markets on an international scale.Paris has long lagged far behind London, dogged by a reputation for excessive regulation and high taxes. The new government is aware that some of Frances best financial brains have c

14、rossed the Channel for more lucrative careers in London. Yet Paris has many advantages: a large number of international banks; more international companies than Frankfurt; and easy access to regulators. It has the largest market in Europe for trading in mutual funds. Few would dispute that Paris off

15、ers an attractive quality of life and has good transport links. What makes Paris a place to watch just now is the NYSEs recent merger with Euronext. The combined group will base its international equities business in the French capital. Euronext, which operates exchanges in five European countries,

16、also illustrates the importance of a common language.Financial executives around the world increasingly view Europe as a single market. Soon a new European rule called MiFID （Markets in Financial Instrument Directive） is due to be implemented. It aims to increase competition among and transparency w

17、ithin financial markets. Financiers in other parts of the world are wondering how to achieve a similar degree of cross-border financial integration.The last paragraph implies that . A.Financiers have long ago viewed the Europe as a single marketB.Europe has the highest degree of cross-border financi

18、al integrationC.the MiFID will make financial markets around the world more competitiveD.the MiFID will increase transparency within American financial mark答案：B解析：本题考查的是细节理解和同义转换。 last paragraph;implies最后一个自然段 Financial executives around the world increasingly view Europe as a single market. Soon a

19、new European rule called MiFID is due to be implemented. It aims to increase competition among and transparency within financial markets.Financiers in other parts of the world are wondering how to achieve a similar degree of cross-border financial integration.世界各地的金融高管越来越多地将欧洲视为一个单一市场。很快，一项名为MiFID的欧

20、洲新规则将被执行。它的目的是增加金融市场之间的竞争和透明度。世界其他地区的金融家们正在思考如何实现类似程度的跨境金融一体化。 本题的问题是“最后一个自然段暗示什么？”。根据主题句可知，世界其他地区的金融家们正在思考如何实现类似程度的跨境金融一体化，即欧洲的跨境金融一体化程度是最高的，故选B。理学重道德的修养固然不错，其对于中国社会日后发展贡献，也不容忽视，但不能否认，理 学所倡导的偏重道德轻视事功倾向，还有它那过分的内省自律，正好为专制帝王起到了为 渊驱鱼的效果。读书人的大丈夫气概日渐消亡，英雄豪杰只有在草莽中孕育，从梁山泊里 诞生。宋、明两次亡于外族，无疑与宋代以来主流思想的自宫与内敛不无干

21、系。对这段文字的主旨理解最准确的是（ ）。A.理学特有的价值取向遵循了古代统治者的统治需求B.理学所倡导的精神导致古代读书人中很少出现英雄豪杰C.读书人大丈夫气概的缺失和理学自身的特点有关D.宋明两次亡于外族，理学理论起到了推波助澜的作用答案：A解析：这段话首先对“理学重德”进行了肯定，紧接着对其产生的负面影响进行 了阐述。这段话的重点部分在转折词“但”后面的部分，即“理学重德”为封建帝王所利用进行 专制。B、C、D均只讲了 “理学重德”产生的负面影响的某一方面表现。金融市场按经营场所不同可分为( )。A.有形金融市场B.发行市场C.国内金融市场D.无形金融市场答案：A,D解析：金融市场按经营

22、场所不同可分为有形金融市场和无形金融市场。有形金融市场，是指有固定场所和操作设施的金融市场。无形金融市场，是指以营运网络形式存在的市场，通过电子、电信手段达成交易。下列各项中属于非关税壁垒措施的是（ ）。A.某进口国和出口国谈判自愿限制某些商品在一定时间内的出口数量B.某国政府给予国内的供应商优先获得政府公共采购订单C.某进口国政府对电子产品设定较高的技术标准D.某国对进口的化妆品采取卫生检疫，限制国外化妆品的进口答案：A,B,C,D解析：非关税壁垒措施指一国政府采取除关税以外的各种办法，来对本国的对外贸易活动进行调节、管理和控制的一切政策与手段的总和，其目的就是试图在一定程度上限制进口，以保

23、护国内市场和国内产业的发展。股利分配中的除息日是指（ ）。A.股利权与股票互相分离的日期B.股利发放日期C.领取股利的登记日期D.股利权从属于股票的日期答案：A解析：股利分配中的除息日是指股利权与股票互相分离的日期。当烹调的食物中含有盐时，微波炉杀死常见食物中经常发现的有害细菌的功效就会消失。 当在微波炉中加热时，不含食盐的食物内部达到了很高的足以把引起食物中毒的细菌杀死的温度，但是含有食盐的食物内部就达不到这样高的温度。于是科学家们就得出这样的结论，食盐可以有效地阻止微波加热食物的内部。下面哪一个结论最能被上面的论述支持？（ ）A.在食物的外部比在食物的内部更有可能发现那些引起食物中毒的细菌

24、B.如果消费者们不使用微波炉来烹调或重新加热食物，那么严重食物中毒的发生率就会大大地降低C.食盐是导致微波炉内加热的食物中毒的主要原因D.如果不向将要在微波炉内加热的食物中加盐，食物中毒的危险性就会降低答案：D解析：本题的结论：食盐可以有效地阻止微波加热食物的内部。A、B为无关选项；食盐不会导致食物中毒，引起中毒的是有害细菌，C项排除；如果不向将要在微波炉内加热的食物中加盐，那么微波就可以有效地加热食物的内部，使食物的内部达到足够高的可以杀死细菌的温度，从而食物中毒的危险性会降低，所以D为正确选项。银行招聘考试考试历年真题精选7篇 第3篇资料：A man looking for art for

25、 his new home has won a $1 million Picasso painting with a $138 raffle ticket. Jeffrey Gonano told the Pittsburgh Tribune-Review hes not sure hell ever hang the masterpiece in his home in Wexford, in western Pennsylvania, given its value. The 25-year-old Gonano, who works for his familys fire sprink

26、ler business, learned Wednesday that his ticket had won the Paris raffle. Organizers say nearly 50,000 tickets were sold worldwide, for 100 euros apiece, to benefit a Lebanese charity.The 1914 work, Man in the Opera Hat, dates from Spanish master Pablo Picassos cubist period. Picasso died in 1973.Go

27、nano said he wants to keep the artwork, which features vivid shapes in opaque gouache paint.Maybe Ill lend it to a museum and let them put it on display rather than putting it in a vault, so other people can enjoy it, he told the newspaper. It all depends. I dont know what the taxes are or anything.

28、Gonanos girlfriend, Gloria Spataro, said he liked the odds in the contest and felt optimistic. Nonetheless, she presumed he was joking when he said hed won.He thought the odds were actually pretty good compared to something like a lottery, said Spataro, of Pittsburgh. He said, This will be my only c

29、hance to actually own something like this.The raffle raised about $3.5 million for the International Association for the Safeguard of Tyr, a UNESCO heritage site, said Reem Chalabi, an education coordinator with the group.Gonano and Spataro had recently begun to explore art galleries, and she had bo

30、ught him a photograph by a Buddhist artist for Christmas.Im glad I actually gave it to him before, she said, because if I gave it to him afterward, that would look pretty insignificant compared to a Picasso.How did the man get the Picasso painting?A.He bought it for his new home.B.He received it fro

31、m Picassos family.C.He won the French lottery.D.He got it from a charity organization答案：C解析：本题考查的是细节理解。 how;the man;get; Picasso painting第1自然段A man looking for art for his new home has won a $1 million Picasso painting with a $138 raffle ticket. 一名正在为新家寻找艺术品的男子以一张价值138美元的彩票赢得了价值100万美元的毕加索画作。本题的问题是“这

32、个男人是如何得到毕加索的画的？”。选项A意为“他为了他的新家买了它”；选项B意为“他从毕加索的家人那里得到”；选项C意为“他赢得了法国彩票”；选项D意为“他从慈善组织那里得到了它”。根据主题句可知，他是买彩票中奖赢得的毕加索画作，故选C。词汇：成语：谚语A.计算机：主机：显示器 B.水果：苹果：火龙果C.学位：本科：研究生 D.蔬菜：菜花：花椰菜答案：B解析：题干所给词语存在属种与并列的逻辑关系，词汇包含了成语和谚语，且成语和谚语是并列的关系，B项与其关系相似。A项中，主机和显示器是计算机的组成部分，逻辑上存在的是整体与部分的关系。C项中，本科和研究生是学历而非学位。D项中，菜花和花椰菜是同一

33、种蔬菜。故答案为B。根据财政政策调节经济周期的作用，把财政政策分为（ ）。A.自动稳定的财政政策 B.积极财政政策C.紧缩性的财政政策 D.相机抉择的财政政策答案：A,D解析：根据财政政策调节经济周期的作用，把财政政策分为自动稳定的财政政策和相机抉择的財政政策。自动稳定的财政政策是指财政制度本身存在一种内在的、不需要政府采取其他干预行为就可以随着经济社会的发展，自动调节经济运行的机制。政府根据一定时期的经济社会状况，自主灵活地选择不同类型的反经济周期的财政政策工具，这种政策称为相机抉择的财政政策。所以，正确答案为AD。现假设某国银行体系由中央银行以及至少两家以上的商业银行组成，商业银行只保留法

34、定存款准备金，超额准备金全部用于贷款或投资，银行客户不提取现金，银行只经营活期存款，法定准备金率为8，原始存款量为100万元。派生存款的大小与下列因素的关系正确的是（）。A.同原始存款的数量成反比B.同原始存款的数量成正比C.同法定准备金率成反比D.同法定准备金率成正比答案：B,C解析：根据派生存款的定义可知，派生存款的大小与原始存款的数量成正比，同法定准备金率、超额准备金成反比。They dont feel safe .in our town at night because it_ so dangerous. Theresrobbery every week now.A.becomingB

35、.becameC.has becomeD.had become答案：C解析：强调对现在产生的作用和影响，应用现在完成时，故选c。Passage 2The food we eat seems to have profound effects on our health. Although science has made enormous steps in making food more fit to eat, it has, at the same time, made many foods unfit toeat. some research has shown that perhaps

36、eighty percent of all human illness are related to diet and forty percent of cancer is related to the diet as well, especially cancer of the colon. Different cultures are more prone to contract certain illness because of the food that is characteristic in these cultures.That food related to illness

37、is not a new discovery. In 1945, government researchers realized that nitrates and nitrites, commonly used to preserve color in meats, and other food additives, caused cancer. Yet, these carcinogenic additives remain inour food, and it becomes more difficult all the time to know which things on the

38、packaging labels of processed food are helpful or harmful.The additives which we eat are not all so direct. Farmers often give penicillin to beef and poultry, and because of this, penicillin has been found in the milk of treated cow. Sometimes similar drugs are administered to animals not for medici

39、nal purposes, but for financial reasons. The farmers are simply trying to fatten the animals in order to obtain a higher price on the market. Although theFood and Drug Administration （FDA） has tried repeatedly to control these procedures, the practices continue.Why do farmers give drugs to their ani

40、mals?A. To speed up the growth of animals.B. To make the animals fatter.C. To make the animals meat fit to eat.D. To make the animals meat rich in nutrients.答案：B解析：当某种生活必需品价格(例如粮食)的市场价格上涨幅度过大，有可能影响城镇居民的生活水平时，政府一般可以采取的干预方式是（）。A.限制进口B.实施最高限价C.实施保护价格D.增加政府库存答案：B解析：生活必需品是缺乏弹性的商品，因此价格上涨会使得消费者花销增加，因此政府通常采

41、用最高限价来抑制其价格的上涨，最高限价一般低于均衡价格。故正确答案为B。与传统的定期存单相比，大额可转让定期存单具有的特点有( )。A.记名并可转让流通B.存单金额不固定，由存款人意愿决定 C.不可提前支取，只能在二级市场上流通 D.固定利率E.利率一般高于同期定期存款利率答案：C,E解析：与传统的定期存单相比，大额可转让定期存单具有以下特点：传统定期存单记名且不可流通转让;大额可转让定期存单不记名，且可在市场上流通并转让。传统定期存单的金额是不固定的，由存款人意愿决定;大额可转让定期存单一般面额固定且较大。传统定期存单可提前支取，但会损失一些利息收入;大额可转让定期存单不可提前支取，只能在二

42、级市场上流通转让。传统定期存款依照期限长短有不同的固定利率;大额可转让定期存单的利率既有固定的，也有浮动的，一般高于同期限的定期存款利率。银行招聘考试考试历年真题精选7篇 第4篇通知放款的活动属于（）。A.短期拆借市场B.银行同业拆借市场 C.票据承兑市场D.票据贴现市场答案：A解析： 通知放款是西方商业银行放款的一种形式，是一种无固定期限可由借 贷任何一方随时通知清偿的一种放款。通知放款的性质属于短期拆借，对于银行来说具有较 大的流动性，但不利于借款人有计划地使用资金。将以下5个句子重新排列组合：宋代新唐书音调云：“京口在润州城东北甘露寺侧。”这也就是李白丁督护歌中所描绘的“万人凿磐石，无由

43、达江浒”的施工场面。而要开辟一条通京口的新漕路却是十分艰辛的。甘露寺正位于北固山，所以移徙这段漕路，势必要紧贴着北固山下与山根的顽石打交手战，这样的工程自非一日之功。瓜渊浦成为便利的津渡是由于它正对南岸江边的京口，而京口的漕路是在开元二十五年齐浣迁润州后才兴修的，换句话说，旧漕路原来并不通京口。排列组合最连贯的是（）。A.B.C.D.答案：A解析：由的“所以迁徙这段漕路”中的“这”可知不做首句，排除B、C。剩下选项A、D，根据文段的思路可知口漕路原来并不通京口，通京口的漕路是后来开辟的，因此应紧跟之后，故本题选A。中国银行的成立时间是（ ）。A. 1911年B. 1912年C. 1913年D.

44、 1914年答案：B解析：Which of the following is true according to the passage? _A.The National Salt Reduction Initiative aims to put pressure on food companiesB.Parents of children don t care much about the calorie information of fast foodC.Parents will order the food that contains more salt for their childr

45、enD.If people eat less salt every day, they will never suffer from heart disease答案：A解析：由文章第七段最后一句话，“The idea is to put pressure on food companies andrestaurants”。可知A正确。 在( )计量属性下，资产按照其正常对外销售所能收到现金或者现金等价物的金额扣减该资产至完工时估计将要发生的成本、估计的销售费用以及相关税金后的金额计量。A.历史成本B.公允价值C.可变现净值D.现值 答案：C解析：在可变现净值计量属性下，资产按照其正常对外销售所

46、能收到现金或者现金等价物的金额扣减该资产至完工时估计将要发生的成本、估计的销售费用以及相关税金后的金额计量。有一个灌溉用的中转水池，一直开着进水管往里灌水，一段时间后，用2台抽水机排水，则用40分钟能排完；如果用4台同样的抽水机排水，则用16分钟排完。问如果计划用10分钟将水排完，需要多少台抽水机?（）银行真题A.5台B.6台C.7台D.8台答案：B解析：典型牛吃草问题，设每台抽水机每分钟抽1份水，则进水管每分钟进水(240-416)(4016)=份，中转水池原有水240-40=份，故要用台抽水机。所以正确答案为B。证券交易委托的种类主要有（ ）。A.整数委托 B.零数委托C.市价委托 D.竞

47、价委托 E.限价委托答案：A,B,C,E解析：按照委托数量的不同特征，交易委托可以分为整数委托和零数委托；按照委托价格的不同特征，交易委托可以分为市价委托和限价委托。资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.Another different approach to d

48、oing business is that in a buying decision Westerners tend to look for clear alternatives, while Easterners may examine ways to combine both option. For example, a Chinese panel may feel that a supplier who claims of best quality with a low price may either raise the price during the contract or fai

49、l to implement the contract. They will therefore often prefer to choose a supplier whose price is neither the cheapest nor the most expensive. In addition, a Chinese panel may avoid awarding each supplier more than one contract, in order to minimise dependence on a single supplier. Such an approach may make a