银行招聘考试历年真题7章.docx

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1、银行招聘考试历年真题7章银行招聘考试历年真题7章 第1章 美国独立战争是以“萨拉热窝事件”为导火索爆发的。（） 答案：错解析：美国独立战争是以1773年“波士顿倾茶事件”为导火索爆发的。Questions 16-18 refer to the following e-mail.From: Thy Nguyen To: Cyprus Winn Subject: Final review for the proposalDear Cyprus,Ive completed our funding proposal for the new laboratory facilities. I includ

2、ed everything we talked about in last weeks meeting, and it will be ready to be sent out next week to the venture capital firms we selected. Im confident it will receive a positive response.Since we have a few days before the proposal goes out, Id really appreciate it if we could sit down together a

3、nd look over everything. I added some small formatting ideas of my own that Id like to run by you. It wont take more than a couple of hours. Im free all afternoon today and tomorrow morning before 11:00 a.m. Please let me know if either of these times is good for you.Thanks,Sincerely,Thy NguyenWhy d

4、id Ms. Nguyen write the email?A. To ask a colleague for assistanceB. To request funding for a projectC. To share the results of a previous meetingD. To express appreciation for a coworker s help答案：A解析：回信中，第二段第一句拜托“Cyprus”一起审查提案书，故选A。林子里有猴子喜欢吃的野果，23只猴子可以在9周内吃光，21只猴子可以在12周内吃 光，问如果有33只猴子一起吃，则需要几周吃光？（假定

5、野果生长的速度不变）（ )A. 2周 B. 3周C. 4周 D. 5周答案：C解析：设原有野果为x，林子每周生长的野果量为y，猴子每周吃的野果量为z， 23只猴子可以在9周内吃光，即x+9y=23X9z21只猴子可以在12周内吃光，即x+12y=21X12z 解得 x=72z, y=15z设33只猴子一起吃，w周吃光，即x+wy=33wz 解得w=4,即4周吃完。矩阵组织形式的主要特点有（）。A.一名员工有两位领导B.组织内部存在两个层次的协调C.组织的稳定性强D.产品部门(或项目小组)所形成的横向联系灵活多样答案：A,B,D解析：矩阵组织形式的特点有：一名员工有两位领导；组织内部有两个层次的

6、协调；产品部门(或项目小组)所形成的横向联系灵活多样。下列句子没有语病的一句是（）。A.作为一名杰出的政治家和诗人，于谦为人正直，不畏强暴，他短暂而壮烈的一生，是他那四句自勉诗的真实写照。B.新调来的刘老师不辞辛劳，走宿舍，跑饭堂，组织同学打扫教室，从清早，一直干到很晚才休息。C.传统的画竹采用直幅，因为这样能较好地体现篁竹的挺拔、气势与高洁。D.刘晓庆在北京的房产总共有5处20余套，是她在不同时期分别买下的，其中渗透了她的发家、婚变以及偷税漏税的过程。答案：B解析：A项主客倒置，应改为“他那四旬自勉诗，是他短暂而壮烈一生的真实写照”；C项“画竹”应改为“竹画”：D项应为“分别在不同时期”。

7、企业的下列所得，可以免征、减征企业所得税的有（）。A.从事农、林、牧、渔业项目的所得B.从事国家重点扶持的公共基础设施项目投资经营的所得C.从事符合条件的环境保护、节能节水项目的所得D.符合条件的技术转让所得 答案：A,B,C,D解析：企业的下列所得，可以免征、减征企业所得税：从事农、林、牧、渔业项目的所得；从事国家重点扶持的公共基础设施项目投资经营的所得；从事符合条件的环境保护、节能节水项目的所得；符合条件的技术转让所得；非居民企业在中国境内未设立机构、场所的，或者虽设立机构、场所但取得的所得与其所设机构、场所没有实际联系的，其来源于中国境内的所得。改革开放后，作为国家政权末梢的单位和集体的

8、组织性和（ ）弱化，基层的政民关系亦随之改变。在城市，随着商品房制度的普遍建立，社会成员的居住形态发生变化，单位制赖以存在的生活基础日渐（ ）;在农村，村集体与农民之间依托农业税费而形成的联结纽带消失，二者联系的紧密度也进一步降低。A.管控力薄弱B.凝聚力空虚C.管辖权动摇D.决策权瓦解答案：A解析：第一步，先看第二空。根据“单位制赖以存在的生活基础日渐_”搭配情况可知，应该是日渐薄弱或动摇。“空虚”一词一般形容人精神无所寄托，不符合语境；“瓦解”比喻全部解体或溃散，程度过重，排除。第二步，再看第一空。“单位和集体的组织性和_”弱化，应该是“管控力”。“管辖权”一词通常是指一个国家在规定和实施

9、其权利和义务以及在管理自然人和法人的行为等方面的法律权力，不符合文段语境，排除。因此，选择A选项。银行招聘考试历年真题7章 第2章“一支桨中止了和另一支桨的协作，这只船便只能在湖中绕圈子，而不能直达彼岸。”这句 谚语启示我们，正确处理民族关系必须（ ）。A.不断提高少数民族地区人民的生活水平B.保证民族自治地区享有自治权C.加强民族团结，增强民族凝聚力D.调动信教群众投身现代化建设的积极性答案：C解析：谚语中的“协作”寓意处理民族关系必须加强民族团结，答案选C。AB两 项不合题意，D项与题干无关。资料：The hop flower has been used in beer-making at

10、 least since the eighth century. Traditionally it was a preservative, but it also imparts flavor. To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that co

11、nnoisseurs say rivals that of wine grapes. Starting in the nineteen-seventies, small brewers on the West Coast began dramatically upping the amount of hops in their brews. One of their most popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth cent

12、ury. The story goes that necessity drove the British to add large quantities of hops in order to preserve the beer they shipped to India, to quench the thirst of the Sahibs managing the Empire there.Over the past decade, varieties once thought of as boutique beers, such as L.P.A.s, have exploded in

13、the United States, thanks to the locavore movement. Craft brewing is now doubling in sales, by volume, every five years, today, craft-beer make up twenty-one percent of the beer market, and twelve percent of the volume. The Brewers Association, a craft-brewing trade group, expects craft beers to hav

14、e a fifty-per-cent market share in a decade. Since craft brewers use about ten times more hops than megabrewers, the trend has been a bonanza for Hopsteiner and the other big hops companies. But while an emphasis on brewers to come up with new beer, which, in turn, leads to a hunt for new hops varie

15、ties.Why did traditional brewers use hop flower even if its taste is bitter and unpalatable?A.Because connoisseurs said its flavor rivals that of wine grapes.B.Because there were different varieties.C.Because it helped preserve beer.D.Because only some people didnt like the taste.答案：A解析：本题考查的是细节理解。

16、why; traditional brewers ; hop flower；taste bitter and unpalatable第一段To some, the taste is bitter and unpalatable, and thus many brewers use only minimal amounts. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs say rivals that of

17、 wine grapes.（对于一些人来说，啤酒花的味道苦涩难吃，因此许多制造商只使用极少的数量。但由于品种，生长条件和其他因素，啤酒花能带来多种味道，而这种味道被鉴定家说成是可以和酿酒葡萄匹敌的特质。）本题问“为什么传统啤酒制造商用苦涩味道差的啤酒花酿酒？”。根据题干关键词找到主题句，but后的内容是作者强调的观点，因此看该句。由于啤酒花“这种味道被鉴定家说成是可以和酿酒葡萄匹敌的特质。”所以答案是A。而其他三个选项均在文章主题句里没有出现。下列各句中，没有语病的一句是（）。农行真题A.这次网络短训班的学员，除北大本校人员外，还有来自清华大学等15所高校的教师、学生和科技工作者也参加了学习B

18、.我们的报刊、杂志、电视和一切出版物，更有责任作出表率，杜绝用字不规范的现象。增加使用语言文字的规范意识C.在新的千年里中华民族这条巨龙一定会昂首腾飞于无垠的天际创造出令世界惊异的奇迹来D.这家工厂虽然规模不大，但曾两次荣获省科学大会奖三次被授予省优质产品称号产品远销全国各地和东南亚地区答案：C解析：A项成分赘余，应删去“也参加了学习”；B项一是并列不当，二是词语搭配不当，应改为“我们的报刊、杂志、电视等一切媒体”，“增加”应改为“增强”；D项一是词语搭配不当。二是关联词错位，应改为“虽然这家工厂规模不大，但曾两次荣获省科学大会奖。产品也三次被授予省优质产品称号远销全国各地和东南亚地区”。某商

19、店的两件商品成本价相同，一件按成本价多25%出售，一件按成本价少13%出售，则两件商品各售出一件时盈利为多少？（）A.6%B.8%C. 10%D.12%答案：A解析：本题考査经济利润问题。设每件成本为100，则两件商品各售出一件的总售价为125+87=212，利润为212+2001=6%。故正确答案为A.类比推理。类比推理考察的是一种推理能力，先给考生一对相关的词。然后要求考生在备选答案中找出一对与之在逻辑关系上最为贴近或相似的词。（）对于灰尘相当于治疗对于（）A.擦拭,疗养B.堆积,健康C.打扫,疾病D.扫帚,医院答案：C解析：打扫可以除去灰尘，治疗可以除去疾病。故答案选C。下列法国启蒙时代

20、的著名思想家中，提出“三权分立”学说的是( )。A.孟德斯鸠B.伏尔泰C.卢梭D.狄德罗答案：A解析：孟德斯鸠不仅是18世纪法国启蒙时代的著名思想家，也是近代欧洲国家比较早的系统研究古代东方社会与法律文化的学者之一。论法的精神提出立法权、司法权和行政权三权分立。三权分立学说对反对封建专制制度而言有这重大的进步意义。故本题的正确答案为A选项。If you use your commute to catch up on work email, that time should be counted as part of the working day, according to a new stu

21、dy by researchers who analyzed thousands of commutersonline habits. If travel time were to count as work time, there would be many social and economic impacts. said Juhet Jain, one of the academics from the University of the West of England who surveyed several thousand commuters on trains in and ou

22、t of London.Most respondents expressed how they consider their commute as time to catch up with work, before or after their traditional working day, according to a summary of the study.“This transitional time also enabled people to switch roles, for example from being a parent getting the kids ready

23、 for 3 school in the morning to a business director during the day The study quotes a working mother named Katheryn saying. Its really important to my sanity that I can get work done on the tram. I am a busy mum and I rely on that time, so I can get things done”Another commuter, Andrew, told the res

24、earchers.“Its dead time in a way so what it allows me to do is finish stuff and not work in the evenings. The study notes that while work rules vary around the world, some commuters in Norway are already able to count travel time as part of their working day”The findings on workers use of smartphone

25、s and other devices to stay plugged in highight the importance of providing Wi-Fi to commuters, according to the academics, who presented their study at the Royal Geographical Society. To ollet the data, they focused on two train lines that boosted the amount of free Wi-Fi they offered. On the Birmi

26、ngham to London line, 60 percent of commuters connected to the enhanced network. The results hint at what are likely to be increasingly complicated work-life discussions, in which employees and their bosses debate what qualifies as work and where the line between personal and professional time shoul

27、d be drawn. Discussing the results in a news release, Jain said, It may ease commuter pressure on peak hours and allow for more comfort and flexibility around working times. However, it may also demand more survillance and accountability for productivity.In addition to potential ramifications for ma

28、ss transit that the British researchers highlighted,the idea of claiming commuting time on the clock could also appeal to workers who use other means of travel. Take, for instance, people who rely on ride. share companies to get to their jobs. And the discussion seems certain to widen in the near fu

29、ture, to inc lude a looming wave of self-driving cars that - in theory, at least -promises to free up more travel time for drivers.As for rail commuters, the researchers said their work shows it s important that trains “ffer a good working environment including tables , power。space and good continuo

30、us connectivity for internet and phone calls What can be the best title of the passage?A. Emailing on your commute More needs to be offered!B. Emailing on your commute Thats overwork!C. Emailing on your commute Best time for role switching!D. Emailing on your commute Thats work!答案：D解析：主旨题。重点读首尾段，和每-

31、 -段的首尾句，根据文章大意，选项D正确。银行招聘考试历年真题7章 第3章通货紧缩的危害有( )A.导致经济过热B.加速经济衰退C.导致社会财富缩水D.分配负面效应显现E.可能引发银行危机答案：B,C,D,E解析：通货紧缩的危害有：加速经济衰退、导致社会财富缩水、分配负面效应显现、可能引发银行危机。1,3,2,4,5,16,( )A. 28B. 75C. 78D. 80答案：B解析：1X31=2,3X22=4,2X43=5,4X54=16,5X165=75。商业银行主要有哪些职能?答案：解析：商业银行主要有以下职能：信用中介职能；支付中介职能；信用创造职能；金融服务职能。中央银行一般性货币政策

32、工具主要有（）。A.中央银行再贴现率B.公开市场业务C.发行股票D.存款准备金率答案：A,B,D解析：中央银行实施货币政策，有三样看家“法宝”：存款准备金率、再贴现率和公开市场业务。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:答案：B解析：直线条数递减。第1列从上到下：8、7、6;第2列从下到上：5，4，3 ；第3列 从上到下：2，1，（0)。某市拥有500万人口，其中从业人数450万，登记失业人数15万，该市统计部门公布的失 业率应为（ ）。A. 3% B. 3. 2%C. 3. 5% D. 3. 8%答案：B解析：我国统计部门公布的失业率为城镇登记失业率，即城镇登

33、记失业人数（15 万）占城镇从业人数（450万）与城镇登记失业人数（15万）之和的百分比，即：15/(450 + 15) X 100%3. 2%，故B选项正确。英国古典政治经济学家亚当。斯密提出的赋税原则包括（ ）。A.平等B.确实C.便利D.公开E.最少征收费答案：A,B,C,E解析：银行招聘考试历年真题7章 第4章公司公开发行股票筹集资金是采用的信用形式为（ ）。A.银行信用B.商业信用C.国家信用D.消费信用答案：B解析：要将文档中的所有“电子邮件”替换成E mail”应使用的下拉菜单是（ ）。 A.编辑 B.对象C.工具 D.窗口答案：A解析：使用“编辑菜单中的“替换”命令。选择“编辑

34、”菜单中的“替换”命令或按 Ctrl + F键，打开“查找和替换对话框，并选定“替换”标签。下列说法错误的是（ ）。A.完全垄断企业的需求曲线就是行业的需求曲线B.完全竞争企业的需求曲线就是行业的需求曲线C.完全垄断企业的需求曲线和行业的需求曲线不同D.完全竞争企业的需求曲线和行业的需求曲线不同答案：B,C解析：在完全竞争市场上，有很多的生产者和消费者，整个行业的需求曲线和 某个企业的需求曲线是不同的。对个别企业来说，由于价格是由整个行业的供求曲线决定的， 所以企业只是价格的接受者，只能按照既定的市场价格出售其产品，因此个别企业的需求曲线 是一条平行于横轴的水平线。但整个行业的需求曲线还是向右

35、下方倾斜，即行业对产品的需 求和价格呈反方向变化。完全垄断行业说明市场是就一个企业提供产品，该企业的需求曲线 就是整个行业的需求曲线。在各种个人贷款产品中，个人经营类贷款有（） 。A、 经营贷款和个人助学贷款B、 生产贷款和租赁住房贷款C、 专项贷款和流动资金贷款D、 租赁贷款和个人医疗贷款答案：C解析：个人经营类贷款是指银行向从事合法生产经营的个人发放的，用于定向购买或租赁商用房、机械设备，以及用于满足个人控制的企业（包括个体工商户）生产经营流动资金需求和其他合理资金需求的贷款。目前，各银行对此类贷款产品没有统一的贷种称谓，但近几年市场需求旺盛，各银行业务规模也不断增长，该项业务正逐步成为银

36、行个人贷款业务的主要增长点之一。本章根据贷款用途的不同将个人经营类贷款分为专项贷款和流动资金贷款，其中专项贷款又分为设备贷款和商用房贷款，流动资金贷款分为有担保流动资金贷款和无担保流动资金贷款。统一资源定位器URL的格式是“协议:/IP地址或域名/路径名/文件名”。（）答案：对解析：注意“/”与“”的区别。URL的格式应该为正双斜杠“/”。The economy of the United states after 1952 was the econnomy of a well-fed,almost fully employed people. Despit occasional alarms

37、, the country escaped any postwar depression and lived in a state of boom. A n economic survey of the year 1955, a typical year of the 1950s, may be typical as illustrating the rapid economic growth of the decade. The national output was value at 10 percent above that of 1954 (1955 output was estima

38、ted at 392 billion dollars). The production of manufacturers was about 40 percent more than it had averaged in the years immediately following World War 2. The countrys business spent about 30billion dollars for new factories and machinery. National income available for spending was almost a third g

39、reater than it had been it had been in 1950. Consumers spent about 256 billion dollars; that is about 700 million dollars a day ,or about twenty-five million dollars every hour , all round the clock. Sixty-five million people held jobs and only a little more than two million wanted jobs but could no

40、t find them . Only agriculture complained that it was not sharing in the room. To some observers this was an ominous echo of the mid-1920s . As farmers shre of their products declined , marketing costs rose. But there were , among the observers of the national economy, a few who were not as confiden

41、t as the majority . Those few seemed to fear that the boom could not last and would eventually lead to the oppsite-depression. It can be inferred the national from the passage that most people in the United States in 1955 viewed the national economy with an air of _ _. a. confidence b. confusion c.

42、disappointment d. suspicion答案：A解析：_ Mr. Pennington retires, he will receive an annual pension of more than fifty thousand dollars from Packard Incorporated.A. Often B. OnceC. Whoever D. Sometimes答案：B解析：彭宁顿先生一旦退休，将每年从帕卡德股份有限公司获得超过五万美元的退休金。横线处应填入引导状语从句的连词。备选答案中只有once是连词，故选8。银行招聘考试历年真题7章 第5章农村信用社年中存贷款比

43、例不得超过（），年末不得超过（）。A.8080B.7575C.7580D.8075答案：D解析：关于计算机应用的描述中，错误的是（ ）。 A.模拟核爆炸是一种特殊的研究方法B.天气预报采用了巨型计箅机处理数据C.经济运行模型不能用计箅机模拟D.过程控制可采用低档微处理芯片答案：C解析：考查计算机应用的相关知识。以下不属于中央银行作为一个国家机关享有的法律赋予的特权的是( )。A.垄断货币发行B.代理国家进行国际金融交流C.集中管理存款准备金D.吸收存款答案：D解析：中央银行作为一个国家机关享有法律赋予的种种特权，如垄断货币发行、集中管理存款准备金、代理国家进行国际金融交流。吸收存款为银行类金融

44、机构具有的功能。甲地到乙地，步行比骑车速度慢75%，骑车比公交慢50%，如果一个人坐公交从甲地到乙地，再从乙地步行到甲地，共用1个半小时。问：骑车从甲地到乙地多长时间?A.10分钟 B.20分钟 C.30分钟 D.40分钟答案：B解析：设骑车的速度为x公里/小时，则步行速度为0.25x公里/小时，公车的速度为2x公里/小时。设甲乙两地距离为L公里，则 + =1.5，得到 = 小时=20分钟，则骑车从甲地到乙地需20分钟。2022年12月14日21时11分, 探测器在月球表面预选着陆区域成功着陆，标志我国已成为继前苏联、美国后世界上第三个实现地外天体软着陆的国家。 ( C )A、嫦娥一号 B、嫦

45、娥二号 C、嫦娥三号 D、嫦娥四号答案：C解析：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 for financial markets, theres a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migra

46、tion 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-lower interest rates and ever-bigger purchases of assets. The debate about if, when and how slowly the US Federal Reserve wil

47、l 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, thats a bigger milestone for markets. A world of higher bond yields is one where the pressure to seek yield in exotic places is

48、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）.This 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 has seen since mind-2022. Theres no need to panic about bond yields rising, because rate rises in Ja