2022银行招聘考试历年真题解析7章.docx

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1、2022银行招聘考试历年真题解析7章2022银行招聘考试历年真题解析7章 第1章资料：Seeking to end a stalemate in negotiations over her countrys withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the countrys exit.Mr

2、s. Mays long-awaited intervention, during a speech in Florence, Italy, was being watched closely in capitals on the Continent and in London, where members of her cabinet have been fiercely divided over Britains tortuous divorce from the bloc. The speech aimed to open the way to serious negotiations

3、on what is commonly known as Brexit, and to a broader and more productive discussion about Britains relationship with the bloc.However, while offering some concessions designed to do that, Mrs. May did not give any fresh insight into the type of ties she ultimately wants Britain to have to the bloc-

4、a question that divides her cabinet and her Conservative, or Tory, Party.The European Unions chief negotiators, Michel Barnier, issued a cautious response, saying in a statement that, “We look forward to the United Kingdoms negotiators explaining the concrete implications of Prime Minister Theresa M

5、ays speech. Our ambition is to find a rapid agreement on the conditions of the United Kingdoms orderly withdrawal, as well as on a possible transition period.”Although Britain is scheduled to exit the European Union in 2022, there has been little progress in talks since March, when London formally a

6、nnounced its intention to leave. Brussels is insisting that Britain agree to the terms of the divorce before discussing future trade ties, while the British would like to do both simultaneously.In light of the continuing standoff, many business worry about a “cliff edge” scenario, in which Britain w

7、ould crash out without a deal, so Mrs. May is under pressure to find a way out of the impasses. Speaking in Florence on Friday, Mrs. May did not say precisely how much money Britain would continue to contribute to the European Union. But she made a significant promise that the British-who are big ne

8、t contributors to the bloc-would not leave a hole in the unions budget in 2022 and 2022.“I do not want our partners to fear that they will need to pay more or receive less over the remainder of the current budget plan as a result of our decision to leave.” Mrs. May said. That would probably mean pay

9、ments of around 20 billion euros, or about $24 billion, after Britains departure. It would also effectively maintain the state quo for the duration of a two-year transition period, meaning that Britain would allow the free movement of European workers and accept rulings from the European Court of Ju

10、stice. This alone is unlikely to be enough to satisfy the 27 other member nations, but Mrs. May hinted that she would be willing to go further and “honor commitments we have made during the period of our membership.”In addition, Mrs. May proposed a security partnership with the European Union, stres

11、sing Britains importance as a defense power, and also offered new legal safeguards to guarantee the rights of European Union citizens in Britain after Brexit.Over all, Mrs. May sought to stress the common interest London shares with continental European capitals in reaching an agreement and avoiding

12、 disruption to trade, wrapping her odder in dialogue that was more positive, and less antagonistic, than that of some previous interventions. European Union negotiators have refused to talk about post-Brexit ties until they judge that there is “sufficient progress” on the issues they consider a prio

13、rity. the states of European Union citizens in Britain after it leaves, the border between Ireland and Northern Ireland(which is a part of the United Kingdom)and Britains financial commitments to the bloc.There is little sign yet that the other 27 nations are prepared to grant Britain a bespoke agre

14、ement, and officials have warned London on numerous occasions that there would be no “cherry picking” of the parts of European Union membership it likes.According to the passage, which of the A.Britain has agreed to discuss the conditions of the exit before discussing the future trade ties.B.Theresa

15、 May has mapped out the blue print of the relations between Britain and EU.C.EU might not be satisfied with Mays Speech.D.Britain is fully prepared to withdraw from EU in an orderly way.答案：C解析：本题考查细节理解。the following statement; true第五段第二句Brussels is insisting that Britain agree to the terms of the di

16、vorce before discussing future trade ties, while the British would like to do both simultaneously. 布鲁塞尔坚持英国在讨论未来贸易关系之前同意离婚条款，而英国方希望同时进行。第三段However, while offering some concessions designed to do that, Mrs. May did not give any fresh insight into the type of ties she ultimately wants Britain to have

17、to the bloc然而，尽管为了脱欧提供了一些让步，但梅夫人并没有最新透露她最终希望英国和欧盟是何种关系类型。倒数第二段European Union negotiators have refused to talk about post-Brexit ties until they judge that there is “sufficient progress” on the issues they consider a priority. 欧盟谈判代表拒绝谈论英国脱欧后关系，直到他们认为优先考虑的问题有“充分进展”。题目意为“根据文章，以下哪个陈述是正确的？”选项A意为“英国同意在讨论

18、未来贸易关系之前讨论退出条件”；选项B意为“特蕾莎?梅绘制了英国和欧盟之间关系的蓝图”；选项C意为“欧盟可能不满意特蕾莎?梅的讲话”；选项D意为“英国准备好了有条不紊地退出欧盟”。根据主题句，欧盟坚持在讨论未来贸易关系之前同意离婚条款，而英国方并不认同，因此选项A错误；对于英国和欧盟未来关系，梅夫人并没有清晰地表明，选项B错误；根据文章可知，英国并没有充分准备好有条不紊地退出欧盟，选项D错误；而从欧盟最终的表态中，可以推断他们不满特蕾莎?梅的演讲没有谈到脱欧的关键问题，因此选项C与题意相符。故正确答案为C人力资源部在月末结算完工资之后，需要给各个部门发工资条。其中公司业务部、个人金融业务部、国

19、际业务部和投资银行部的工资条发放，由丁叶、赵越、车宇、徐倩分别负责。四个部门分别在不同的楼层，公司业务部在七楼。丁叶去的二楼，车宇去的三楼，赵越负责个人金融业务部，丁叶不负责投资银行部。那么请根据以上情况，判断四个人负责的部门及所去的楼层。答题时请单击左(右)边匹配选项，移动至目标区域后，再次单击鼠标完成连线。单击连线可删除。答案：解析：丁叶二楼国际业务部;赵越五楼个人金融业务部;车宇三楼投资银行部;徐倩七楼公司业务部。下列行为中不属于商业贿赂的是（）。A.以明示方式给对方折扣，但已如实入账B.在账外给中间人佣金C.在账外暗中给对方单位或者个人回扣D.对方单位或个人在账外暗中收受回扣答案：A解

20、析：商业贿赂行为是指经营者暗中给予对方交易人员或者其他对交易具有影响的人员以财务或者其他好处以争取交易机会的行为。根据法律规定，经营者销售或者购买商品，可以以明示方式给对方折扣，可以给中间人佣金，但是经营者给对方折扣、给中间人佣金的，必须如实入账；接受折扣、佣金的经营者必须如实人账。故选项A不属于商业贿赂行为。法国总统奥朗德2022年1月23日在瑞士达沃斯举行的世界经济论坛年会上呼吁全球行动起来，共同反对恐怖主义。应从（ ）三方面进行管控。A.武器B.财源C.网络D.法律答案：A,B,C解析：一本仅用十几万字写出中国上下五千年文明史的普及读物中国读本，继在我国创下累计发行1000余万册的骄人成

21、绩后， 又开始走出中国走向世界。根据这段文字，可以推出的是：A历史图书应该走普及化、大众化道路B越来越多的外国人对中国历史感兴趣C中国读本可能授权国外出版商出版D越是大众的、越是民族的，越容易走向世界答案：C解析：“春雨惊春清谷天，夏满芒夏暑相连，秋处露秋寒霜降，冬雪雪冬小大寒。”节气对于指导农业生产具有很强的科学性。下列反映阳历六月初节气的农谚是（ ）。A.立夏桑果象櫻桃 B.小满养蚕又种田C.芒种玉秧放庭前 D.夏至稻花如白练答案：C解析：只有C答案是反映六月初节气的农谚。小满是阳历五月底，夏至是阳历六月底。In spite of all stories of prosperity in

22、the Unites States, not only does poverty exist there, but crimes of various types have been increasing at an alarming rate. Most acts of violence were committed by young people.57% of the criminals arrested in 1979 were youths below 25 of age. Everyone agrees that crime is partly a result of bad mat

23、erial conditions: poverty, lack of education, living within a settled home, being parent less, sufferings from other kinds of misfortune, etc. There are also other factors than material conditions which are responsible for the sharp increase of crime rate. In the first place, some state laws provide

24、 a death penalty but some not. Secondly, the Constitution allows every citizen to carry weapons for his own protection. It is therefore possible and easy for anyone in the country to get a gun. Finally, there has been too much shown on TV and too much reported in newspaper of all kinds of crime, the

25、 details of which are so accurately described that even children know how to duplicate what they have seen or read. All these have resulted in a high frequency of crimes committed both by professional criminals and by nonprofessional ones in murder, drug smuggling, robbery, etc. The author intends t

26、o tell the readers that_.A. the United States is a wealthy country although poverty and crime exist thereB. crime has become a serious problem in the United States, although it is said to be a prosperous oneC. despite the fact that crimes have been increasing rapidly in the United States, it is a co

27、untry of prosperityD. in spite of stories about poverty and crime in the United States, it is prospering at an increasing r答案：B解析：根据文章第一段第一句话可知，美国尽管繁荣，但还是存在贫困，而且还存在不断增长的高犯罪率。只有B选项符合题意。打开Word文档一般是指（ ）。A.把文档的内容从内存中读出并显示出来B.把文档的内容从磁盘调人内存并显示出来C.为打开的文档开设一个新的空的文档窗口D.显乐并打印文档的内容答案：B解析：打开Word文档是指把文档的内容从磁盘调入内

28、存并显示出来。所谓平行登记是指对所发生的每项经济业务，一方面要以会计凭证为依据登记有关总分类账户，另一方面又要以登记好的总分类账户为依据，将其拆分后登记到所属明细分类账户中。 ()答案：错解析：平行登记是指在经济业务发生后，以会计凭证为依据，一方面要在有关的总分类账户进行总括登记，另一方面在所属的总分类账户的明细分类账户进行详细登记。通过总分类账和明细分类账的平行登记，期末进行相互核对，可以及时发现错账，予以更正，以保证账簿记录的准确性。2022银行招聘考试历年真题解析7章 第2章资料：Gone are the days of “one-size-fits-all” employee bene

29、fits programs and here come newly designed and fully customized 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 req

30、uirements of a more particular health care consumer.Voluntary Benefits 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 t

31、o round out their health care plans with a menu of items that cover 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

32、Employee BenefitsIn terms of being adaptable to the needs of employees, 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

33、 adults. The voluntary dental program can cover things like routine 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 f

34、inancial benefits. This is a continual trend that we will see more 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

35、credit to purchase things they need. Some companies offer support 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_

36、A.Revolutionary.B.Reliable.C.Salutary.D.Unassailable.答案：A解析：本题考查的是态度理解。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

37、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”。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。1.传统的长三角主要指江浙沪地区，2022年5月，国务院发布长江三角洲城市群发展规划，规划确定长三角城市群在上海市、江苏省、浙江省、安徽省范围内，至此，长三角扩容为三省一市，2022年11月，长三角一体化发展正式上升为国家战略。2022年，三省一市以占全国3.7%的土地面积，聚集了全国14%的人口，创造了全国23.5%的经济总量，被视为中国经济发展的重要引擎。中共中央政治局2022年5月

38、13日召开会议，会议指出，长三角一体化发展具有极大的区域带动和示范作用，要紧扣“一体化”和“高质量”两个关键，带动整个长江经济带和华东地区发展，形成高质量发展的区城集群。会议强调，把长三角一体化发展上升为国家战略是党中央做出的重大决策部署、要坚持稳中求进，坚持问题导向，抓住重点和关键。要树立“一体化”意识和“一盘棋”思想，深入推进重点领域一体化建设，强化创新驱动，建设现代化经济体系，提升产业链水平，上海、江苏、浙江、安徽要增强一体化意识，加强各领域互动合作，扎实推进长三角一体化发展。2.日前，上海某信息技术公司的张经理来到上海市松江区行政服务中心，不到一分钟时间，他就自助打印出一张由安徽省合肥

39、市工商部门颁发的营业执照。与此同时，远在400多公里之外的合肥高新区，合肥某科技服务有限公司负责人池先生也领到了由浙江杭州工商部门颁发的营业执照，“太方便了，再不用像过去那样两城奔波”，张经理说，公司要在合肥成立新公司，按以前的政策必须去当地办理，一般要耗费一两个月时间，现在有了“一网通办”政策，全程只用了3天，“以前想到外地注册一个公司，交材料、核准名称、领证件，一切顺利也得跑三趟，现在真是节省了很多成本”，池先生也兴奋地说。让张经理和池先生受益的“一网通办”是长三角九地政府制度体系对接的结果。2022年6月，地处G60高速公路和沪苏湖合高铁通道两大交通动脉沿线的长三角九个城市，签署了共建G

40、60科创走廊战略合作协议。为了让经济要素在走廊内“流畅”起来，G60科创走廊改革的第一枪就是打破行政区划限制，以跨省营业执照和工业产品生产许可证办理为切入点，实现九城市首批30个事项“一网通办”。“跨省域一窗收件、一网通办、一次办成属于全国首创，各个城市办证的要求和流程不同，我们九个城市相关部门多次对接协调、相互学习、打通标准，协作材料的受理、传送、审核”，长三角地区某市市场监督管理局负责人介绍说。“一网通班办”的成功给一体化发展带来了很大的启发.据了解，目前青浦、吴江和嘉善三地的部分地区已经对户籍变迁进行冻结(符合人才引进落户条件的除外)，三地有关部门正在谋划公共服务领域多层面的制度创新。3

41、.“互联互通是长三角城市参与全球化产业台作、分工的基础”，某经济研究院院长成教授表示，大家都要有整体思维意识，以长三角视野看问题、搞规划，“G60产业联盟”就是很好的破题思路。所谓“联盟”，就是让产业逐渐实现统一的行业标准，实现资源的自由配置和流动，G60科创走廊联席会议办公室商务组组长吴女士表示，在芜湖成立的机器人产业联盟已吸引九城市相关企业138家，涉及产业链上中下游。“我们的思路是发挥各城市的产业优势，统筹产业链的融合与配套，减少重复布局和无序竞争。目前芜湖的关节式机器人、杭州的移动式机器人、苏州的机器人关键部件等产业分布格局已经形成。以牵头企业为例，目前其关键零部件近一半由联盟内企业提

42、供，联盟还促成其与十余家下游集成企业的合作。”2022年11月，G60科创走廊九城市科技创新合作圆桌会议举行、G60科创走廊九城市科技合作框架协议正式签订，按照这个协议，金华市的企业可以拿着本地政府部门发的创新券，到上海的科研机构去“消费”，了解或使用最先进的技术和最高端的科研设备，与此同时，区域内数千台大型科学仪器也实现了开放共享，区域内创新资源利用率明显提高。据统计，2022年九城(区)实现首批1796台(套)大型科学仪器共享和创新券互认互通，实施工业互联网协同创新工程，认定18个工业互联网平台和12家专业服务机构。4.近年来，高铁把长三角联为一座城。目前，长三角地区开通高铁的城市不少于8

43、5个，通勤时间不超过3小时。1小时和2小时等时圈覆盖范围均有不同程度的扩展，邻近都市圈成员城市之间在时间距离上实现了“质”的飞跃，这为“轨道人才”效能最大化提供了战略可能和物理空间。便捷高效的交通体系，使人才摆脱了空间的束缚，突破了单一城市工作模式。工作和生活不在同一城市的人，每天可以借助区域内便利的轨道交通往返其间，实现多点执业，多重身份的自由转换。他们往返于城市间，仿佛只是从高铁的进站口走向出站口。高铁，折叠了时空，把科技、经济、人文、医疗等资源不断聚合在一起，也在孕育、催生着新的创新发展模式。长三角区域的发展，正是受益于此，才成为全国经济最具活力、开放程度最高、创新能力最强的区域之一。长

44、三角区域正在由传统“以邻为壑”的相互竟争关系向“以邻为伴”的互动合作关系转变。长三角区域内“轨道人才”的密度不断提升，人才持续扎堆、集聚产生“蜂聚效应”：综合性国家科学中心城市，长三角地区三者有其二(上海、合肥)；拥有如复旦、上交、科大、浙大、南大等8所一流大学建设高校，26所一流学科建设高校，一流学科建设总数达133个，张江实验室、量子信息科学国家实验室、之江实验室、国家同步辐射室等国家实验室、上海光源、上海超强超短激光实验装置、中国聚变工程实验堆、全超导托卡马克核聚变实验装置、稳态强磁场实验装置等世界顶尖大科学装置相继于长三角地区启动或建成长三角区域成为我国人才密度最高、知识浓度最浓的地方

45、，涌现出一批“创新高地”，带动产业升级、经济发展，使产、学、研步入良性循环。不仅如此，目前，长三角地区正在加快构建多层次轨道交通网，重点实施高速公路扩容和网化两大工程，加快打通省际“断头路”，持续推进区域港航协同发展，协力打造长三角世界级机场群，全力推动现代化综合交通运输体系建设。交通运输部与沪苏浙皖联合签订了长三角地区打通省际断头路合作框架协议，加快推进区域交通一体化进程；印发关于协同推进长三角港航一体化发展六大行动方案，共同实施内河航道网络化、区域港口一体化等13项任务。5.自2022年长三角一体化上升为国家战略后，围绕区域一体化发展的措施不断出台，一体化进程也按下了“快进键”。 面对长三

46、角一体化带来的历史性发展机遇，不少银行排兵布阵，纷纷推出了相应的支持政策，在金融创新服务方面献计献策。比如浦发银行成立长三角一体化领导小组、长三角一体化发展总部，并设立了总行级的长三角战略客户部；交通银行设立长三角区域一体化推进办公室，以一体化的管理体系保障各项工作整体谋划；上海银行推出长三角一体化产业转型升级20条措施，助力产业转型等。浦发银行行长曾表示，围绕长三角一体化的发展需要，金融机构在自贸区金融、科技金融、融智和融资、绿色金融、民生金融、金融要素市场六大服务领域中存在着广阔的发展空间。但也有多位银行业资深人士表示，目前各地在推进经济金融资源流动、开展金融资源对接、促进金融联动创新、加

47、强金融联合监督等方面还缺乏有效措施，需进一步深化合作，要差异化发展，优势互补，协同共进。这就需要“打破壁垒，让金融市场要素流动起来”。上海张江高科技园区通过建立产业基金与萧县合作开发张江萧县高科技园区，搭建开放式发展平台，产业基金将通过对“硬科技”等方向的重点投资，加速长三角产业链深度融合；郎溪、广德与江苏溧阳共建苏皖合作示范区，按照产业分工和协调布局，建立科学合理的投入分担和利益分配机制，组建统一招商平台，实现了资本跨行政区域、跨行业、跨所有制企业的深度合作，有效提升集约节约高效发展水平。6.朱小姐是某鞋服类电商仓储公司行政主管。因为公司对物流需求较大，朱小姐深感交通对企业降本增效的重要性，

48、“我们每天有48班固定班车开往上海浦东，走枫美路最近，可是枫美路段在等级上与其它成网路段不兼容，断在那里走不通，成了“断头路”，货车只能选择收费的高速公路，或绕路走320国道，如果断头路打通，每年可为企业省下120万元左右成本。”早在长三角一体化上升为国家战略之前，长三角三省一市的交通一体化努力已经被提上日程。2022年6月，沪苏浙皖交通运输部门联合签订长三角地区打通省际断头路合作框架协议，共同加快推进区域交通一体化进程，按照“规划明确、需求对接、就近接入、先易后难”的原则，第一批推进17个重点项目。目前，这批项目已先后开工建设。2022年10月1日通车的江苏昆山市锦淀路对接上海青浦区崧泽大道

49、项目，是协议签订后打通的首条断头路。“现在我们村到上海青浦区时间由原来的1小时缩短了一半，村民到上海市场做鱼虾水产生意更加方便”，双湖村村主任说。尽管三省一市相关部门都在积极对接推进，但打通断头路过程中仍存在很多问题。当初江苏昆山市锦淀路对接上海青浦区崧泽大道项目时，因为昆山是一个县级市，而对接的上海嘉定和青浦两区则相当于地级市，行政级别不对等。在框架方案对接和具体执行的过程中，行政级别较低的昆山报批环节更加复杂，遇到手续不齐全的情况，就需要反复重新递交文件，浪费了很多时间，极大地影响了沟通效率和工作进展。一些地方有关部门负责人也表示，目前跨省协调仍然比较困难。浙沪间的善新至朱吕打通断头路工程开工数月，仅建设了配套的施工便道。建设单位负责人说，土地资源紧张是交通基础设施拓展的瓶颈，公路部分路段要穿越基本农田，按国家有关文件要求，国家高速公路、国道、省级高速公路等占用永久基本农田可报部预审，而该项目属于县道项目，未纳入文件范围，导致主体工程无法全线展开。当地交通部门相关负责人表示，一些项目因涉