22年银行招聘考试考试真题及详解6辑.docx

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1、22年银行招聘考试考试真题及详解6辑22年银行招聘考试考试真题及详解6辑 第1辑“人的认识能力是无限的，张某是人，因此，张某的认识能力是无限的。”以下哪项逻辑错误与上述推理的错误最为相似？（ ）A.人是宇宙间最宝贵的，我是人，因此，我是宇宙间最宝贵的B.人贵有自知之明，你没有自知之明，因此你不是人C.干部应起带头作用，我不是干部，所以我不应起带头作用D.干部应为人民服务，我是干部，所以我应为人民服务答案：A解析：题干犯了四概念的错误，也是三段论中最常见的错误。三段论中的三个概念，在其分别重复出现的两次中，必须所指的是同一个对象，违反这条规则就会犯四概念的错误。本题题干推理的错误是由于作为中项的

2、概念“人”未保持同一而引起的，在大前提中的“人”是泛指人 类，而小前提中的“人”是具体的。A项错因与题干相同。资料：Italys next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the Eur

3、opean Central Bank to forgive 250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over 185bn of NPLs were outstanding at the end of 2022, the most for any country in the Europ

4、ean Union. （1）By comparison with Greece where NPLs are 45% of loans, Italy looks manageable with just 11.1%. And it has made progress: in late 2022 NPLs were 16.8% of loans. But any wild policy lurches would put that progress in question. The clean-up of banks books has relied on openness to foreign

5、 investors. Huge volumes of NPLs（37bn in 2022 and over 47bn in 2022, according to Deloitte, a consultancy） have been sold by banks, often to specialist American hedge funds like Cerberus Capital Management or Fortress. （2）These so-called vulture funds may find life harder under the new government. G

6、iven the importance of being able to repossess the collateral for secured loans, NPL investors have been taken aback by a proposal to prevent any action against a debtor without the involvement of a court. This would run counter to efforts to increase the use of out-of-court settlement for collatera

7、l across the EU. （3）The future of GACS, a scheme for providing an Italian government guarantee to the senior tranches of NPL securitisations （with the EUs blessing）, is also in question. Despite a slow start in 2022, it has come to play a large role. An NPL sale last year by UniCredit, a large bank,

8、 worthl7.7bn, was subject to the scheme. Another 38bn-worh of Italian NPL deals in progress will be too, according to Debtwire, a news service. But investors now worry that GACS will not be renewed once it expires失效 in September, contrary to previous plans. （4）European regulators have made a concert

9、ed effort to deal with NPLs. In March the European Commission proposed laws to make cross-border operations easier for debt （5）Markets have deepened in tandem. As well as the specialist funds doing large deals,more options for trading NPLs have emerged. One example is Debitos, a trading platform tha

10、t started in Germany and that allows investors to trade in NPLs from 11 European countries, including Italy and Greece. Most of its sales are between 50m and 200m and interest often comes from local investors, says Timur Peters, its founderfor example, from individuals who buy propertybacked NPLs as

11、 a way to acquire those properties. （6） A liquid pan-European market in NPLs ought to prevent banks bad loans from accumulating and threatening their stability, as during the most recent crisis. But Italy would, because of its sheer size, be the largest source of such loans for the foreseeable futur

12、e. And any market with real doubts about the largest supplier is almost certain to be a stunted one. （7）When hearing the leaked plans, NPL investors felt _.A.uneasyB.awkwardC.furiousD.indifferent答案：A解析：本题考查的是细节理解。 leaked plans，investors第1自然段Italys next government, a coalition between the populist Fi

13、ve Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive 250bn（$292bn） of Italian debt. 民粹主义的五星运动和极右翼北方联盟组成的意大利下一届政府，正让投资者忧心忡忡。匆忙放弃的泄露计划表明它可能想要

14、离开欧元区或要求欧洲央行免除2500亿欧元（合2920亿美元）的意大利债务。题目意为“当听到泄露的计划时，NPL投资者感到？”选项A意为“心神不安的”，选项B意为“迟钝的”，选项C意为“暴怒的”，选项D意为“漠不关心的”。根据主题句原文为“worry about”，故可知投资者是担心的，忧虑的。20世纪60年代以前，世界各国普遍注重防洪的工程措施，即通过修建大堤、水库等水利设施对洪水进行控制。但在60年代以后，世界各国在防洪规划中越来越重视非工程措施的运用，即通过洪水预警、灾情评估、洪灾保险等多种手段，结合各种工程措施从而尽可能减少洪灾对人类经济、环境和社会发展的影响。这段文字主要谈的是：（

15、）A世界各国防洪理念的转变 B世界各国控制洪水的新途径C单纯重视防洪工程不能有效控制洪水 D非工程措施逐渐成为防洪规划的主导答案：A解析：题干分为两个部分，“20世纪60年代以前”，“60年代之后”，这两部分的叙述具有明显比较的意思，也即阐述防洪理念转变的过程。世界贸易组织的最终目标是实现（ ）。A.世界贸易标准化B.各国利益均等化C.世界贸易自由化D.世界贸易稳定化答案：C解析：甲为上厕所,将不满1岁的女儿放在外边靠着篱色站立，刚进入厕所，就听到女儿的哭声，急忙出来，发现女儿倒地，疑是站在女儿身边的4岁男孩乙所为。甲一手扶起自己的女儿， 一手用力推乙，导致乙倒地，头部刚好碰在一块石头上，流出

16、鲜血，并一动不动。甲认为乙可能死了，就将其抱进一个山洞，用稻草盖好，正要出山洞，发现稻草动了一下，以为乙没死，于是拾起一块石头猛砸乙的头部，之后用一块磨盘压在乙的身上后离去。案发后，经法医鉴定，甲在用石头砸乙之前，乙已经死亡。依此情况，甲的行为构成何罪？（ )A.过失致人死亡罪B.过失致人死亡罪与故意杀人罪（既遂）数罪C.过失致人死亡罪与故意杀人罪（未遂）数罪D.故意杀人罪答案：C解析：甲过失致乙死亡，成立过失致人死亡罪，又发现稻草动了一下，以为乙没死，即产生杀人的故意，于是拾起一块石头猛砸乙的头部，构成故意杀人罪的对象不能犯的未遂。诸如NBA、GDP这样的缩写词已成为汉语语言表达的一部分，偶

17、然蹦出几个。不代表汉语表达已经被_，只是我们在寻找一种更_、准确的表达方式而已。填入划横线部分最恰当的是（）。A.侵蚀 简练B.干扰 时髦C.破坏 简洁D.同化 通俗答案：A解析：“NBA”、“GDP”这样的字母词相比于“美国职业篮球联赛”、“国内生产总值”这样的表达方式更简单明了，第二空填“简练”或“简洁”更能表达字母词的这一特征，排除B、D。第一空中，“侵蚀”与“破坏”都有使变坏的意思，但“侵蚀”更侧重逐渐变坏的过程。句中说的是外来语言对汉语表达的影响用“侵蚀”更贴切。本题答案为A。短期市场利率能够反映市场资金供求状况，且变动灵活，因此，通常将其作为中央银行货币政策的（）。A.最终目标B.

18、中间目标C.传统工具D.特殊工具答案：B解析：22年银行招聘考试考试真题及详解6辑 第2辑现代医学研究发现，苦瓜中存在一种具有明显抗癌作用的活性蛋白质，这种活性蛋白质能够_人体内免疫系统的防御功能，_免疫细胞的活性，清除体内的有害物质。 填入划横线部分最恰当的一项是( )。A. 唤醒 提升B. 刺激 巩固C. 激发 增强D. 调动 加大答案：C解析：这是一道典型的实词辨析题。第一个空，免疫系统本身就具有防御功能，不需要再“唤醒”了;“调动”功能显然不合适;“刺激”与“激发”意思相近，指使事物起积极的变化，放在这里是合适的。第二个空，作为活性的动词，只有“提升”和“增强”比较合适，均有提高的意思

19、。综合两个空，选C。霸王条款：一些经营者针对消费者单方面制定的逃避法定义务、减免自身责任的不平等的 格式合同、通知、声明和店堂公告或者行业惯例等。下列属于霸王条款的是（ ）。a.无业青年王某等三人强行占据菜场停车场，并声称:要停车必须缴费十元b.个体户洪某恶狠狠地威胁街对面同样经营大米批发生意的赵某：“以后你要是敢比我 早开门，我砸了你的店”c.某商场举行店庆时在电子广告牌上写明：全场火爆，满四百减一百五；请勿拥挤，排队 入场；1. 4米以下儿童人场必须有家长陪同d.某服装店玻璃窗上写着：打折期间售出商品概不退换答案：D解析：由定义，霸王条款是经营者针对消费者单方面制定的不平等条款，目的是 逃

20、避法定义务、减免自身责任。d项“商品概不退换”显然是在逃避法定义务。财务会计部在做完年底的经营绩效考评后，发现在考评绩优的支行中，华东地区的支行数量多于西南地区。据此，有同事推断，诺鑫银行东部地区的经营绩效优于西部。那么，以下哪项最能削弱该同事的推理?( )A.西南地区的不良贷款率远低于华东地区B.华东地区支行的销售净利润远高于西南地区C.华东地区经济比西南地区繁荣D.西南地区的支行数量远低于华东地区答案：D解析： 在Exce1中一张工作表可以单独以文件形式存入磁盘。（） 答案：错解析：Exce1以工作簿的形式进行保存。 发展市场经济，必须建立以市场形成价格为主体的价格形成机制，这主要是因为（

21、）。A.市场形成价格是保证价格等于价值，实行等价交换的唯一途径B.市场形成价格才能促进竞争，有效反对垄断C.市场形成价格才能保证价格反映价值和供求关系D.市场形成价格才能保证商品交换正常进行 答案：C解析：发展市场经济，必须建立以市场形成价格为主体的价格形成机制，原因是只有市场形成价格才能保证价格反映价值和供求的关系引导资源合理流动。文具店的笔记本最近搞活动:凡是一次性购买笔记本超过10本的，超出部分按零售价的8折收费，不超过10本的部分按零售价收费。已知小明买15本笔记本花了70元，买18本需要( )元。A.85B.82C.81D.80答案：B解析：设零售价为x，则10x+5X0.8x= 7

22、0， 解得x=5，则打八折是5X0.8=4元，则买18本需要10X5+8X4=82元，B选项正确，A、C. D选项错误。故本题应选B.资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia,

23、 and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the banks president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the pro

24、ject areas.The road in Tajikistan is just three miles long, but it will help clear traffic congestion on an important trading route near the capital, Dushanbe. A $100 million loan to Pakistan is for 40 miles of highway in Punjab Province that would complete the last section of national artery, the M

25、-4, the bank said.Three of the projects are being financed with other institutions-the Asian Development Bank, the World Bank, and the European bank for Reconstruction and Development-an approach that allowed the new bank to begin the projects quickly. The banks $165 million loan to expand electrici

26、ty in rural areas of Bangladesh is its only stand-alone project. By financing projects with long-established institutions, the Beijing-based bank was able to move quickly because work on meeting environmental standards and procurement policies had been completed, staff members at the bank said.Altho

27、ugh the new bank was Chinas idea, it is intended to operate as an international bank dedicated to improving the basic structures and facilities needed to stimulate development across Asia, Mr. Jin said at a news conference on Saturday. Unlike the World Bank and the Asian Development Bank, the Asian

28、Infrastructure Investment Bank places less emphasis on the reduction of poverty, he said. The bank “ was born with the birthmark of China, but its upbringing is international,” Mr. Jin said. Referring to the three other institutions that will finance the projects, he said, “we can work wonderfully t

29、ogether.” The new bank is being watched closely. The United States refused to join when it was offered membership in 2022. Japan has also not sought membership in the bank. But President Obamas administration was mostly concerned that the bank would challenge the current development architecture, th

30、e Bretton Woods system established under the leadership of the United States after World War. In the past year, Mr. Jin has worked to reassure Washington, largely by agreeing to choose projects that have already been approved by the World Bank, the Asian Development Bank and the European Bank. He ha

31、s also emphasized that the new bank will be more streamlined and strive to be “lean, green and clean.” Britain was the most eager of the Western democracies to join the bank, and it broke ranks with the United States and became a member in the fall of 2022. Other members of the European Union, inclu

32、ding France and Germany, rushed in after Britain. The withdrawal of Britain from the European Union is not expected to affect its relationship with the bank, Mr. Jin said. “ I believe the United Kingdom will continue to play an important role in the development of the bank, ”he said at the news conf

33、erence. Asked if he believed that Britains decision showed that the old guard was crumbling quicker than he expected, Mr. Jin diplomatically replied that he had detected no such.（缺失） Two dozen countries have expressed interest in joining the bank, and they sent observers to the two-day meeting, Mr.

34、Jin said. The new members would come from Eastern Europe, Latin America, and could join as early as （缺失）year.What does “lean” mean in Paragragh 6?（ ）A.be well organizedB.be well fundedC.be less redundantD.be less corrupted答案：C解析：本题考查的是词义判断。 “lean”;Paragraph 6第六段He has also emphasized that the new ba

35、nk will be more streamlined and strive to be “lean, green and clean.”（他还强调亚投行的结构将会较为精炼，努力做到“精干、廉洁和绿色”。）本题问“第六段的“lean”的意思是？” lean是形容词，“瘦的、贫乏”的意思，结合上下文推断在该文中，这个词的意思是不冗余，不臃肿的。选项A，“组织有序的”选项B，“资金完备的”。选项C, “不累赘的” 。选项D，“不腐化的”。22年银行招聘考试考试真题及详解6辑 第3辑 下列关于刑罚的说法，正确的有（）。A.主刑既可以独立适用，又可以附加适用B.附加刑既可以附加适用，又可以独立适用C.

36、对犯罪的外国人，驱逐出境只能独立适用D.对犯罪分子只能判一种主刑 答案：B,D解析：BD 主刑只能独立适用；对犯罪的外国人，驱逐出境可以独立适用也可以附加适用。附加刑可以附加适用，也可以独立适用；对犯罪分子只能判处一种主刑。资料：October 20,2022Mr.Eng Tan10010 George Ave.New YorkDear Mr. Chen,As the president, I am proud to announce that this Friday marks the 50th anniversary of long and successful company. This

37、, of course, calls for a night of celebration. And for this reason, we have reserved the Grand Hall at the Garden Hotel this Friday at 6 p.m. for a night of fine dining and dancing.On this special evening, the food will be superb. Ive had a chance to dine at the hotel several times in the past in ot

38、her functions, and it was the food that convinced me to hold our event here. I am quite certain that all of our staff will share my feeling. Anyhow, I am looking forward to this Friday when all of our staff can let loose and have some fun.Therefore, this is a letter to officially invite you and your

39、 spouse or significant other to join us on this memorable evening.Please let us know if you cant attend.Yours Sincerely,Jeff ConnellyWhat is the main purpose of this letter?A.To invite the staff to an upcoming eventB.To welcome the newest staff to the companyC.To notify the employees of a yearly mee

40、tingD.To provide information about the companys product答案：A解析：本题考查主旨大意。main purpose; the letter倒数第二段Therefore, this is a letter to officially invite you and your spouse or significant other to join us on this memorable evening. 因此，这封信正式邀请您和配偶或其他重要人士加入我们这个难忘的夜晚。题目意为“这封信的主要目的是什么？”选项A意为“邀请人员参加即将举行的活动”；

41、选项B意为“欢迎最新的员工到公司”；选项C意为“通知员工年度会议”；选项D意为“提供有关公司产品的信息”。根据主题句，只有选项A与题意相符。Question 6670 refer to the following letter and information.APPLE AND CELERY SALAD100ml mayonnaise50g chopped fresh cilantro leaves8 celery stalks6 crisp red applesWhisk together mayonnaise, cilantro, and lemon juice in a small bo

42、wl until combined. Add salt and people to taste. Cut celery and apply into pieces. Toss together celery, apple, and dressing.Total preparation time: 5 minutes.Serves 8 as a side dish.To: Editors of Eat Right MagazineAs a long-time subscriber to Eat Right Magazine, I have frequently sampled your reci

43、pes and must credit you with some excellent results. Your recent April-May issue was, as always, packed with healthy, delicious meals, many of which I have already prepared at home.Several days ago, however, I attempted to make the apple and celery salad from the recipe on page 57 of the magazine in

44、 the Healthy, Quick, and Easy section. While the salad was flavorful, I was not satisfied with the recipe for two reasons. First, it should be noted that a salad containing100ml of mayonnaise, to be divided among eight servings, is not particularly healthy. I was surprised to find a recipe with so m

45、uch mayonnaise in an Eat Right recipe. Second, while the directions suggested that five minutes preparation time was sufficient, I found the time to be underestimated by quite a bit. Finely slicing so much celery and so many apples was quite time consuming and certainly took longer than five minutes

46、. You might adjust this assessment when you publish this recipe in the future.I look forward to receiving the next issue of Eat Right Magazine, and I hope that it will contain more of the simple, nutritious recipes that I have come to expect.Sincerely.Francesca Bertolini According to the recipe, wha

47、t should be done first?A. The apple should be peeled.B. The mayonnaise, cilantro, and lemon juice should be mixed.C. The celery should be chopped.D. The salt and pepper should be measured.答案：B解析：一项调查显示，在患有自闭症的儿童中，有70%是从67岁开始接触并使用电脑的。心理学家认为，儿童需要通过抓握、感觉、碰触、品尝以及移动真实的物体来激发他们的神经系统和认知能力，并进而对他们所处的世界形成基本的认识

48、。如果这样的经验被阻断或者缺少积累，儿童就会表现出智力方面的障碍。因此，尽管新科技可以成为人类认识世界的强大力量，但家长应该让孩子具备了成熟的心智能力后再去接触它们。为此，一些西方国家正在开展相关的立法工作，禁止儿童过早接触电脑。对这段文字的主旨概括最准确的是（）。A.用法律禁止儿童接触电脑是得当的B.电脑有可能影响儿童智力发展，形成行为障碍C.家长应避免孩子过早地接触电脑D.儿童智力发育过程中存在重要的关键期答案：C解析：由“因此”、“为此”引导的结论句可知，文段强调提应避免让儿童过早接触电脑，C项与此表述一致，当选。根据电视收视率调查，看体育节目的观众中青年人比中老年人要多。由此可推断出（

49、 ）A.体育节目可能更适合青年人的兴趣B.体育节目是专属青年人的运动C.中老年人不喜欢体育节目D.青年人比中年人更擅长体育运动答案：A解析：“看体育节目的观众中青年人比中老年人要多”，说明青年人对体育节目的兴趣比老年人要大。Since the 1960s, there have been several policies designed to_this challenge, including institutions tailored for smallholder agriculture.A.doB.deliverC.copeD.address答案：D解析：题目意为“自20世纪60年代以来，为_这一挑战制定了若干政策，包括为小农农业量身定制的机构。”选项A意为“做”；选项B意为“递送，发布”；选项C意为“对付”，一般与with连用，cope with表示