2022银行招聘考试真题下载7卷.docx

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1、2022银行招聘考试真题下载7卷2022银行招聘考试真题下载7卷 第1卷森林：植被（ ）A.沙漠：陆地B.水库：河流C.白云：蓝天D.黑洞：臭氧答案：A解析：本题是种属关系，森林是一种植被类型；沙漠是一种陆地类型。屡被曝光的学术抄袭事件，让公众对这一问题的严重性和危害性有了清醒的认识。但人们不明白的是，为什么如此多的抄袭事件被曝光后，类似的事件仍然接二连三，甚至愈演愈烈，以至于让一些所谓的“史上最牛抄袭案”很快变成历史，从而让人们感叹“没有最牛，只有更牛”；而涉案的层次也越来越高，教授、博导、校长开始频频卷入，社会舆论因此也不免有了“一蟹不如一蟹”的观感。作者接下来最有可能做的是（ ）。A.列

2、举被曝光的学术抄袭事件B.介绍社会舆论关于学术抄袭事件的看法C.阐述学术抄袭层出不穷的原因D.提出遏制学术抄袭现象的具体措施答案：C解析：作者首先指出公众对学术抄袭问题的严重性和危害性有了清醒认识，接着提出疑问，为什么学术抄袭现象仍然屡禁不止，屡出不穷，甚至有愈演愈烈的趋势？循着这个思路，作者接下来最有可能做的就是阐述学术抄袭现象接连出现的原因。故本题答案为C。Anne Whitney, a sophomore at Colorado State University, first had a problem taking tests when she began college I was

3、always well prepared for my tests Sometimes I studied for weeks before a test Yet I would go in to take the test, ouly to find I could not answer the questions correctly I would blank out because of nervousness and fear I couldnt think of the answer My low grades on the tests did not show what I kne

4、w to the teacher Another student in biology had similar experiences He said: My first chemistry test was very difficult Than, on the second test, I sat down to take it, and I was so nervous that I was shaking My hands were moving up and down so quickly that it was hard to hold my pencil I knew the m

5、aterial and I knew the answers Yet I couldnt even write them down! These two young students were experiencing something called test anxiety Because a student worries and is uneasy about a test, his or her mind does not work as well as it usually does The student cannot write or think clearly because

6、 of the extreme tension and nervousness Although poor grades are often a result of poor study habits, somethnes test anxiety causes the low grades Recently, test anxiety has been recognized as a real problem, not just an excuse or a false explanation of lazy students Special university advising cour

7、ses try to help students In these courses, advisors try to help students by teaching them how to manage test anxiety At some universities, students take tests to measure their anxiety If the tests show their anxiety is high, the students can take short courses to help them deal with their tensions T

8、hese courses teach students how to relax their bodies, Students are trained to become calm in very tense situations By controlling their nervousness, they can let their minds work at ease Learned informatian then comes out without difficulty on a test An expert at the University of California explai

9、ns: With almost all stttderltS, relaxation and less stress are felt after taking our program Most of them experience better control during their tests Almost all have some improvement With some, the improvement is very great To deal with this problem, students say they want to _A. ake a short course

10、 on anxietyB. read about anxietyC. be able to manage or understand their anxietyD. take tests to prove they are not anxious答案：A解析：由第三段可知，学生先参加一个考试焦虑度的测试，如果焦虑度高的话，则会参加短期课程来减缓焦虑。因此答案为A。税收是国家为了满足一般的社会共同需要，凭借政治权力，按照国家法律规定的标准，pz_填空、pz_填空取得财政收入的一种分配关系。答案：强制地,无偿地解析： 将下列矩阵中所有数字加在一起的和是( )。A.126B.132C.216D.25

11、6 答案：C解析：第一行数字和为1+2+3+4+5+6=(1+6)62=21。每行数字和为公差为6的等差数列。第6行数字和为21+(6-1)6=51，所有数字和为(21+51)62=216。人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2022年7月21日，人民币汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格局，呈现稳中有升的态势。根据上述资料，回答问题：汇率制度选择的“经济论”认为，一国汇率制度的选择主要受经济因素决定。这些经济因素包括（ ）。A.经济发展程度 B.

12、经济规模C.进出口贸易的商品结构和地域分布 D.相对的通货膨胀率答案：A,B,C,D解析：汇率制度选择的“经济论”认为，一国汇率制度的选择主要受经济因素决定。这些经济因素包括：经济发展程度、经济规模、进出口贸易的商品结构和地域分布、相对的通货膨胀率、国内金融市场的发达程度及其与国际金融市场的一体化程度。故本题全选。2022银行招聘考试真题下载7卷 第2卷资本流动的主要动因是（ ）。A.追求利润 B.避免汇率风险C.投机 D.规避贸易保护答案：A解析：资本流动的主要动因是追求利润。对我国期货结算机构进行监管的金融监管机构是（ ）。A.中国证监会B.中国银监会C.中国保监会D.中国人民银行答案：A

13、解析：依照法律、法规和国务院授权，中国证监会统一监督管理全国证券期货市场，维护证券期货市场秩序,保障其合法运行。其主要职责之一是监督境内期货合约上市、交易和清算；按规定监督境内机构从事境外期货业务。此外，还承担其他职责。需求不足型失业又叫做( )。A.非自愿失业B.结构性失业C.自愿失业D.周期性失业答案：A,D解析：宏观经济调控研究关注的重点在于需求不足型失业，又叫非自愿失业或周期性失业，故AD项正确。资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during

14、 peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, youd think that demand for Rome must be higher or supply lower.Whats puzzling is that you can pay a high price to a given destination but a dramatically lower

15、price for the exact same flight if you agree to go on to another destination.Take Alitalia to Rome, for instance, for travel in August. A round-trip, economy flight directly to Rome leaving JFK at 10:05 p.m. on Alitalia 611 on August 5 costs $1,655 when booked on April 30. Compare that to $903 for a

16、 round-trip, economy ticket to Milan （stopping in Rome） leaving JFK on the exact same Alitalia 611 flight at 10:05 p.m. on August 5. So why is Alitalia willing to fly to Rome for $752 less than it would otherwise, plus give you an extra one-and-a-half-hour flight to Milan?Airlines have increased the

17、ir profitability in recent years by segmenting the market for air travel and charging customers different prices for the same product. In this case, the market is segmented based on demand for direct flights. Airlines know most people prefer the shortest route to their destination, so they make cust

18、omers pay up for the privilege of flying direct. （They also make it a little more inconvenient if you dont pay up for a direct flight, in order to encourage you to fly direct.）When prices become so obviously illogical, it may be time to revisit why air tickets cant be transferred or resold just like

19、 any other normal product. If the airlines are entitled to exploit the free market, shouldnt customers be allowed to do the same thing?What is puzzling about the airline pricing to the author?A.Price for the same flight to a nearer destination is higher.B.Prices for different destinations on the sam

20、e flight are the same.C.Price for the same flight to a farther destination is higher.D.Prices for different destinations on the same flight are different.答案：A解析：本题考查的是细节理解。 puzzling；airline pricing第2自然段Whats puzzling is that you can pay a high price to a given destination but a dramatically lower pr

21、ice for the exact same flight if you agree to go on to another destination. 令人困惑的是，去某个目的地，你需要支付高昂的费用；但是如果你同意再飞一段，去另一个目的地的话，费用会大大降低。题目意为“根据作者观点，关于机票价格很令人困惑的是什么？”选项A意为“同一班飞机到更近的目的地的价格更高”，选项B意为“同一班飞机不同目的地的价格一样”，选项C意为“同一班飞机目的地更远的价格更高”，选项D意为“同一班飞机不同目的地的价格不同”， 据主题句，再飞一段去更远的地方费用更低。下文举了例子，从纽约去罗马需要1655美元；同一航

22、班，从纽约飞到罗马转机去米兰，需要903美元。因此飞行距离短的反而更昂贵。所以A选项正确。求和式3+33+333+333(10个3)计算结果的万位数字是（）。A.5B.2C.3D.0答案：D解析：个位10个3相加，和为30，向十位进3；十位9个3相加，和为27，加上个位的进位3得30，向百位进3；百位8个3相加，和为24，加上十位的进位3得27，向千位进2；千位7个3相加，和为21，加上百位的进位2得23，向万位进2；万位6个3相加，和为18，加上千位的进位2得20，万位的数是0。所以应选择D。 2022年诺贝尔经济学奖获奖人之一的尤金法玛以（）而著称。A.提出有效市场假说 B.预言金融泡沫破

23、裂 C.提出资产价格定价合理性的统计方法 D.完善随机对策理论 答案：A解析：尤金法玛(Eugene Fama)教授最主要的贡献是提出了著名的“有效市场假说”(Efficient Market Hypothesis，EMH)。2022银行招聘考试真题下载7卷 第3卷珠穆朗玛峰位于（）。A.中、巴边境B.中、缅边境C.中、尼边境D.中、印边境答案：C解析：珠穆朗玛峰位于中国与尼泊尔交界处。_your child will leave home to lead her own life as a fully independent adult .A.EventuallyB.QuicklyC.Una

24、nimouslyD.Uncertainly答案：A解析：本题考查副词词义辨析。题目意为“你的孩子最终将长大成人，完全独立，离开家过自己的生活。”A项意为“最终、最后”。B项意为“迅速地、很快地”。C项意为“全体一致地”。D项意为“不确定地、犹豫地”。因此选A，你的孩子最终将长大成人。欣赏是文学活动的有机组成部分，只有在欣赏过程中，作品才能获得其本质性，成为文学作品。传统文学理论忽视文学欣赏，致使文学研究难以更进一步，也阻碍了文创作的发展。现代文学理论与传统文学理论的最大不同，就在于文学欣赏的重视程度。可以这样说，对文学欣赏的研究，是现代文学理论的起点，现代文学理论就建立在文学欣赏理论的基础上。

25、 根据这段话，理解最准确的是（ ） A现代文学理论重视文学欣赏的过程 B文学创作是文学欣常的前提 C文学欣赏是作品获得本质性的途径，它是文学活动最主要的部分 D文学欣赏活动的普及奠定了文学理论的基石答案：A解析：文中并未提及文学创作室文学欣赏的前提，即无法根据本段得到此结论，B错误；把文学欣赏认为是文学活动最主要的部分，过于主观，C错误；文学欣赏活动的普及奠定的是现代文学理论的基石，而非文学理论的基石；文章通过描述文学欣赏的重要性来提出现代文学理论重视文学欣赏的观点，因此A为正确答案。下列所给的句子中有语病的一句是：A.这错误的出现在于作者不细考字义，有了困难，就擅断、擅改铭文，因为必须让自己

26、的阐释成立。B.沃尔玛的经营者在不断地探索中，领悟到人才对于企业成功的重要性。C.调查小组经过详细调查，查实了邵某两次收受吕某、陆某1300美元的事实。D.近代中国150年的屈辱史告诉我们，教育落后便意味着我们将永远处于被动地位。答案：C解析：C项有歧义，既可以理解为两次一共收受1300美元，也可以理解为两次分别收受1300美元。Questions 7 175 refer to the following information.Family caregivers of seniors should be cognizant of stress as it relates to their l

27、oved ones. Knowing the signs and detecting them early can help seniors learn to recognize stress factors and to take steps to alleviate the effects stress can cause. Activities such as yoga, walking and other physical exercises designed for seniors are great tension relievers. Many seniors enjoy the

28、 benefits of tai chi classes geared to their physical abilities. The Mayo Clinic supports this gentle form of martial arts as a way to relieve stress and help other health-related conditions.Some seniors are unable to participate in physical activities, but there are other ways to reduce stress. Eat

29、ing a healthy, well-balanced diet and getting a good nights sleep can keep stress at bay. Joining a non-physical group activities, such as a bridge club or volunteering, offers socialization and a chance to clear the mind of daily responsibilities. There are also local agencies that can help with ta

30、sks that might cause undue stress for seniors. Respite care organizations can help with housework or grocery shopping. Religious organizations often have groups who can assist seniors with yard work or other strenuous tasks around the home.The fact that stress is a part of life does not mean that ov

31、erwhelming stress is a burden seniors have to shoulder all alone. With help, seniors can combat stress and its negative effects. Spend time helping seniors determine what burdens they face. Help them plan ways suited to their lifestyles that are not only fun but that can minimize the pressures stres

32、s can cause. By doing so, the quality of life seniors experience can increase, further paving the way for them to lead independent lives within the comfort of their own homes.According to the passage, whats the benefit of minimizing the pressures caused by seniors stress?A. Those seniors quality of

33、life can be improved.B. Those seniors can live independently.C. Those seniors can finally stay at their own homes.D. Those seniors can enjoy the comfort offered by caregivers.答案：A解析：细节题。老年人减压的好处在文中最后一段有提到，“can minimize the pressures stress can cause. By doing so， the quality of life seniors experien

34、ce can increase， further paving the way for them to lead independent lives within the comfort of their own homes.”，可见生活质量可以提高，另外也为他们进一步在家自主生活铺下了道路，故A 选项表述正确，B 选项表述不准确，文中说的是老人在家中自主生活，而B 选项老人能够自己生活，表述不准确；C、D 明显错误，故该题正确答案为A。 关于“政府失灵”的叙述，正确的是（）。A.政府无法掌握正确决策所需的足够信息B.“政府失灵”是由于市场经济的负外部性引起的 C.政府在纠正经济不稳定方面完全

35、无能为力D.政府干预经济在创造财富的效率方面作用较大，但无法保证社会公平 答案：A解析：2022银行招聘考试真题下载7卷 第4卷中间业务也叫收费业务,是指不构成银行表内资产、表内负债的非利息收入的业务，其特点描述错误的是（）。A.不运用或不直接运用银行自有资金B.直接承担市场风险C.以接受客户委托为前提，为客户办理业务D.以收取服务费、赚取价差的方式获得收益答案：B解析：中间业务相对于资产和负债传统业务而言，银行不再直接作为参与信用活动的一方，不承担或不直接承担市场风险。 隐蔽型通货膨胀没有物价的上涨，因此无法用指标来衡量。（） 答案：错解析：答案：C解析：题干四个图形中都包含两条直线段 ,故

36、本题正确答案为 C。公司中有多个部门和多名职员，每个职员只能属于一个部门，一个部门可以有多名职员，从职员到部门的联系类型是( )。A.多对多B.多对一C.一对一D.一对多答案：B解析：在公司中，由于每个职员只能属于一个部门，一个部门可以有多名职员。因此职员与部门之间是多对一关系。般情况下，女性比男性更为健谈。而一项涉及交谈习惯的报告显示，许多时候男性比女性更能主导谈话，在讨论中平均说出更多的词汇，因此，有人认为，以话语童衡童，两性在语言方面的差异并不大。以下哪项如果为真，最不能支持上述结论？（）A.成年人中，女性在和同学、父母、子女谈话时，大多占据主导地位，而男性则较为收敛，要稍逊一筹B.在辩

37、论赛或一些富有争议的话题中，男性往往滔滔不绝，而在涉及情感的话题中，女性则发言更多C.研究发现，在夫妻之间的交谈中，男女双方的平均谈话量差异不大，只是因地域不同而有差异D. 一般年纪小的女孩比男孩平均说话更多，这与其语言学习速度较快有关，但13岁以后，男孩平均比女孩说话更多答案：A解析：此题为结论型的可能性推理题。题干结论为，以话语置衡量，两性在语言方面的差异并不大。A项，说男性要稍逊一筹，说明，男女在语言方面，男性要差一些，与题干结论不同，是不能支持题干结论的项，辩论赛中男性语言能力较强，而情感方面，女性发言较多，说明，两性各有均衡，与题干结论较一致;C项和D项，与B项类似，说男女在不同方面

38、各有优势，与题干结论较一致。故答案选A。0，4，18，( )，100A.48；B.58；C.50；D.38；答案：A解析：选A，各项依次为1 2 3 4 5的平方,然后在分别乘以0 1 2 3 4。2022银行招聘考试真题下载7卷 第5卷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.如图B.如上图C.如上图所示D.如图所示答案：D解析：图形上半部分的黑色箭头，每次顺时针移动两格；下半部分的两个黑色箭头，每次逆时针移动一格。选项中只有D项符合规律。所有的公文中，（）最具权威性和强制性。A.决定B.命令C.规定D.决议答案：B解析： 命令(令)适用于公布行政法规和

39、规章；宣布施行重大强制性措施：批准授予和晋升衔级；嘉奖有关单位及人员。命令最具权威性和强制性。故本题答案选8。“我劝天公重抖擞，不拘一格降人才!”出自（）的诗句。A.梁启超B.龚自珍C.康有为D.林则徐答案：B解析：“我劝天公重抖擞，不拘一格降人才!”是清代龚自珍己亥杂诗中的诗句。从业务运作实质来看，福费廷就是（ ）。A.保付代理 B.银行保函C.远期票据贴现 D.质押贷款答案：C解析：福费廷业务是指银行对国际贸易延期付款方式中出口商持有的远期承兑汇票或本票进行无追索权的贴现，从业务实质来看，就是远期票据贴现。两个或两个以上的交易者按事先商定的条件，在约定的时间内交换一系列现金流的交易形式称为

40、（ ）。A.金融期货 B.金融远期C.金融期权 D.金融互换答案：D解析：金融互换是两个或两个以上的交易者按事先商定的条件，在约定的时间内交换一系列现金流的交易形式。金融互换分为货币互换、利率互换和交叉互换等三种类型。互换合约实质上可以分解为一系列远期合约组合。（）作为会计核算的基本前提，就是将一个会计主体持续的生产经营活动划分为若干个相等的会计期间。A.持续经营B.会计年度C.会计分期D.会计主体答案：C解析：会计分期是指将一个会计主体持续的生产经营活动划分为若干相等的会计期间，以便分期结算账目和编制财务会计报告。2022银行招聘考试真题下载7卷 第6卷城镇化过程中小城镇和新农村作为农村人口

41、蓄水池的作用无可替代。努力推进县域内农 村人口向建制镇和乡镇集中，是中国特色城镇化的必由之路。“蓄水池的作用”指（ ）。A.推动农村人口变为城镇人口 B.将农村人口变为城市人口C.逐步集纳农村人口为城镇人口 D.逐步将农村人口变为城市人口答案：C解析：根据后一分句的意思，显然句子所要表达的应该是使“农村人口向建制镇 和乡镇集中”的意思，因此可以排除B和D两个选项。C选项为最佳答案。A选项并没有体 现“蓄”的意义，仅仅在说“推动”，因此不如C选项合适。Tales of the supernatural are common in all parts of Britain. In particul

42、ar, there was (and perhaps still is) a belief in fairies. Not all of these 51are the friendly, people-loving charac-ters that appear in Disney films, and in some folktales they are52and cause much human suf-fering. This is true in the tales about the Changeling. These tell the story of a mother whos

43、e ba-by grows 53and pale and has changed so much that it is almost54to the parents. It wasthen55that the fairies had come and stolen the baby away and56the human baby with afairy Changeling. There were many ways to prevent this from happening: hanging a knife over thebabys head while he slept or cov

44、ering him with some of his fathers clothes were just two of therecommended57. However, hope was not lost even if the baby had been58. In those casesthere was often a way to get the 59baby back. You could60the Changeling on the fire-then it would rise up the chimney, and you would hear the sound of f

45、airies laughter and soon af-ter you would find your own child safe and sound nearby.阅读以上短文，回答171-180题。第51题答案是_A.babiesB.fairiesC.believersD.supermen答案：B解析：此处表示“并不是所有这些仙女都像出现在Disney童话故事中的人物那样友好、爱护人民，他们当中也有残暴之徒，给人民带来苦难”。而babies、believers、supermen均不合题意。The cost of repairing the water damage to the muse

46、um after the storm _ to be more than one million dollars.A. expects B. is expecting C. expected D. is expected答案：D解析：下列关于我国金融债券的说法，错误的是（）。A.金融债券是在银行间市场上发行的B.政策性金融债券是由政策性银行发行的C.商业银行债券是由商业银行发行的D.非银行类金融机构不可以发行金融债券答案：D解析：我国金融债券是指在中华人民共和国境内设立的金融机构法人在全国银行间债券市场发行的，按约定还本付息的有价证券，主要包括政策性金融债券、商业银行债券、其他金融债券。其中，

47、政策性金融债券是由政策性银行发行的，商业银行债券是由商业银行发行的，其他金融债券是由企业集团财务公司等非银行类金融机构发行的。故本题选D。布雷顿森林体系中的“双挂钩”是指（）。A.美元和其他国家同时与黄金挂钩B.美元与黄金挂钩，黄金与其他各国货币挂钩C.美元与黄金挂钩，其他国家货币与美元挂钩D.其他国家货币与黄金挂钩，美元与其他国家货币挂钩答案：C解析： 布雷顿森林体系核心为两个挂钩：世界各国货币与美元挂钩美元与黄金挂钩。故本题答案选C。It would be_exploring students epistemic beliefs regarding course-related infor

48、mation located on the Internet.A.worthwhileB.worthC.whileD.worthy答案：A解析：本题考查近义词辨析。题目意为“探索学生对互联网上课程相关的信息的认知信念是_。” A选项“值得的”，B选项“值得”，C选项“而”，D选项“值得的”。这里要注意，worthwhile （adj） 值得的，用于句型It is worthwhile doing sth./ to do sth.干某事是值得的；worth, 用于句型sth.is worth sth/ doing，此句型中只能用doing,不能使用被动；worthy,用于句型sth.be wor

49、thy of being done/to be done，题干中句式为it would be_doing sth.,因此A选项正确。2022银行招聘考试真题下载7卷 第7卷43位同学，他们身上带的钱从8分到5角，钱数都各不相同，每个同学都花光全部钱各自买了画片，画片只有两种，3分一张和5分一张，每人都尽量多买5分一张的画片。所买的3分画片的总数是多少张?A.72B.76C.80D.84答案：D解析：以“分”为单位，从8到50的43个连续自然数正好与43个同学一一对应。每个同学都把身上带的全部钱各自买画片就是每人都不许有余钱。把钱数是5的倍数的9个人分为一类，他们不能买3分的画片；钱数被5除余3分的9个人分