2022年最新银行招聘之银行招聘综合知识题库包过题库及答案参考.docx

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1、2022年最新银行招聘之银行招聘综合知识题库包过题库及答案参考第一部分 单选题(50题)1、目前市售的USB Flash Disk(俗称优盘)是一种（ ）。A.输出设备B.输人设备C.存储设备D.显示设备【答案】： C 2、It is high time that the authorities（）some inspection to this phenomenon.A.doB.didC.should doD.would do【答案】： B 3、下列名画按创作时间排序正确的是（）。A.B.C.D.【答案】： C 4、资料：With 55% of consumers customer servi

2、ce interactions starting online and 63% of adults using their smartphone several times a month to seek customer service， your mobile customer service tactics are more important than ever.A.It forbids customers to goB.It helps you gain new customersC.Because of customers are using their smartphone to

3、 seek customer serviceD.It prevent losing customers entirety【答案】： B 5、Passage 9A.conscious and unconscious levels of comprehensionB.the readers expectations and the meaning of a textC.lower and higher levels of comprehensionD.interpreting and criticizing a text【答案】： C 6、Passage 2A.How rich and poor

4、regions can share responsibility in curbing global warmingB.How human and economic losses from climate change can be reducedC.How emissions of heat-trapping gases can be reduced on a global scaleD.How rich countries can better help poor regions reduce climate hazards【答案】： D 7、资料：Because of the bioch

5、emical reactions in your body that occur with every type of food you eat on a daily bases, some foods age you faster than your real age, while other foods help to fight aging.A.the preface of a bookB.an excerpt from a paper on healthC.a book reviewD.promotional materials for a book【答案】： B 8、Last yea

6、r, 33 percent of the_worked in secondary industries and 48 percent worked in the tertiary sector.A.populateB.populationC.popularizeD.popular【答案】： B 9、资料：Britain is facing a “crisis of fatherlessness” in which almost half of all children born today will not be living with both parents by the time the

7、y are 15, the new chief executive of the thinktank founded by Iain Duncan Smith has warned.A.preferential policies for the poorer childrenB.more comprehensive research into its causesC.headteachers good at inspiring talented childrenD.solutions to the conflict in the education sector【答案】： C 10、1915年

8、9月，标志着新文化运动开始的青年杂志是陈独秀创办于（）。A.北京B.上海C.广州D.东京【答案】： B 11、2021年春节期间，全国收费公路将继续免收小型客车通行费，具体免费时段从（）。A.2月10日0时至17日24时B.2月11日0时至17日24时C.2月11日0时至18日24时D.2月9日0时至17日24时【答案】： B 12、资料：Are walkers smarter than drivers?A.Entire faces of urban areas are changing fastB.Metropolitan areas are more pedestrian-friendly

9、 and richerC.Educated people prefer to live in walkable placesD.Walkable places attract educated people【答案】： B 13、国家卫健委日前明确，持核酸检测阴性证明返乡从2021年1月28日春运开始后实施，至（）春运结束后截止。A.3月8日B.3月1日C.2月28日D.3月6日【答案】： A 14、 甲公司应收乙公司贷款800万元。经磋商，双方同意按600万元结清该笔贷款，甲公司已经为该笔贷款累计提了100万元坏账准备。在债务重组日，该事项对甲公司和乙公司的影响分别为（）。A.甲公司资本公积减

10、少200万元，乙公司资本公积增加200万元B.甲公司营业外支出增加100万元，乙公司资本公积增加200万元C.甲公司营业外支出增加100万元.乙公司营业外收入增加200万元D.甲公司营业外支出增加200万元，乙公司营业外收入增加200万元【答案】： C 15、Education has a value of consumption and its demand will depend on its own price，prices of other goods，and_income.A.domesticB.homeC.houseD.household【答案】： D 16、阅读理解A.the d

11、istortion of reality by scienceB.the confusion caused by emotionsC.Platonic and contemporary views of truthD.the place of scientific truth in our lives【答案】： D 17、Italy calls an emergency meeting to save the ancient city of Pompeii（）falling down.A.onB.offC.fromD.against【答案】： C 18、2020年1月6日，国家主席习近平在人民

12、大会堂同基里巴斯总统马茂会谈后共同见证两国共建“一带一路”谅解备忘录的签署。这标志着中国同所有（）个建交太平洋岛国都签署了共建“一带一路”合作文件。A.5B.7C.8D.10【答案】： D 19、资料：FAST cars whizz around，malls are full of expensive luxuries and cranes dominate the skyline.But scratch the shimmering surface of the Gulf and you soon find countries hurting from the low oil price，c

13、urrently around $40 a barrel.Growth is slowing and unemployment is rising.Policy makers even dare utter a three-letter“t” word until recently taboo：tax.A.Saudi Arabia，UAE，VenezuelaB.Qatar，Kuwait，NigeriaC.Bahrain，Oman，QatarD.Iran，kuwait，Dubai【答案】： C 20、资料：As a startup founder, my daily tasks include

14、everything from long-term strategic planning to approving team outings and company culture initiatives. Day after day, things inevitably come up that need to get handled ASAP. But Ive also learned that if you dont have a strategy for making time for those bigger ambitions and your truly lofty goals,

15、 theyll simply never get done. And that means you wont make the progress thats really going to move your business forward.A.When you are most focusedB.When there is no distractionsC.Late at nightD.Bright and early in the morning【答案】： A 21、Two years ago,Rupert Murdochs daughter,Elisabeth,spoke of the

16、“unsettling dearth of integrity across so many of our institutions”.Integrity had collapsed,she argued,because of a collective acceptance that the onlysorting mechanismin society should be profit and the market.Butits us,human beings,we the people who create the society we want,not profit.A.the cons

17、equences of the current sorting mechanismB.Companiesfinancial loss due to immoral practicesC.governmental ineffectiveness on moral issuesD.the wide misuse of integrity among institutions【答案】： A 22、 款项移送中，移出行应当进行核算的会计分录为（）。A.借：分行辖内往来贷：现金B.借：现金贷：分行辖内往来C.借：分行辖内往来贷：银行存款D.借：银行存款贷：分行辖内往来【答案】： A 23、 在( )计量

18、属性下，资产和负债按照在公平交易中，熟悉情况的交易双方自愿进行资产交换或者债务清偿的金额计量。A.现值B.公允价值C.历史成本D.重置成本【答案】： B 24、目前我国上海和深圳证券交易所均实行（ ）的交割方式完成清算交易。A.T - 1B.T+0C.T+1D.T+2【答案】： C 25、我国现行劳动争议处理制度为（）。A.一调一裁两审制B.两审终审制C.一调一裁制D.调解制度【答案】： A 26、根据巴塞尔协议的规定，以下属于商业银行核心资本的是（ )。A.中期优先股B.损失准备C.附属机构的少数股东权益D.可转换债券【答案】： C 27、资料：Many people think of in

19、ternal control as a means of safeguarding cash and preventing fraud. Although internal control is an important factor in protecting assets and preventing fraud, this is only a part of its roles. Remember that business decisions are based on accounting data and the system of internal control provides

20、 assurance of the dependability of the accounting data used in making decisions.A.Financial forecastsB.According rulesC.Manuals of accounting policies and proceduresD.Organization charts【答案】： B 28、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on

21、 Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.A.Mr.Zimmers idea is that now we are at the critical moment in history, we should take decisive action whether taking the right path or notB.Mr Zimmer thinks the introduction of the a

22、utonomous vehicles will not cause the unemployment and surely will increase the employment because such car drivers will be needed to provide serviceC.The author has argued that although there are still some problems in Mr. Zimmers predication but the general direction of realizing self-driving cars

23、 will be correctD.Mr.Zimmer provides some variable factors such as companies profits and leagal procedure problems in order to realize the massive transformation of self-driving cars in such a short of time【答案】： B 29、Dream is a story that a person watches or even takes part in during sleep.Dream eve

24、nts are imaginary,but they are related to real experiences and needs in the dreamers life.A.deprives people of a good sleepB.disturbs peoples lifeC.makes people always restlessD.is beneficial to people【答案】： D 30、 银行按被投资单位净损益计算调整投资的账面价值和确认投资损益的基础是（）。A.账面价值B.实际价值C.取得被投资单位股权后发生的净损益D.银行发生的净损益【答案】： C 31、

25、金融互换市场中，（）交易主体进入市场的目的是为了进行投机性交易。A.直接用户B.互换经纪商C.互换交易商D.互换代理商【答案】： C 32、以利率或价格为标的，旨在发现银行间市场的实际利率水平、商业银行对利率的预期。 这是指（ ）。A.数量招标B.价格招标C.拍卖D.竞价交易【答案】： B 33、Passage 2A.She was not familiar with the roadB.It was dark and raining heavily thenC.The railway workers failed to give the signalD.Her GPS device didn

26、t tell her about the crossing【答案】： D 34、 为会计核算提供了必要手段的会计假设是（）。A.会计主体B.持续经营C.会计分期D.货币计量【答案】： D 35、下列贷款中至少归为次级类的是（）。A.借款人利用合并、分立等形式恶意逃废银行债务，本金或者利息已经逾期B.本金和利息虽尚未逾期，但借款人有利用兼并、重组、分立等形式恶意逃废银行债务的嫌疑C.同一借款人对本行或其他银行的部分债务已经不良D.本金或者利息逾期【答案】： A 36、 银行会计年度是指( )。A.公历上年2月1日至本年12月31日B.公历1月1日至12月20日C.公历上年12月31日至本年12月

27、31日D.公历1月1日至12月31日【答案】： D 37、下列各项中，哪一项是最能衡量股东利润最大化的指标？（）A.资本利润率B.资产利润率C.销售利润率D.股权分红率【答案】： D 38、Coffee is the（ ）of this district and brings local farmers a lot of money。A.majorityB.spiceC.stapleD.elite【答案】： C 39、中国革命和建设的基本立足点是（）。A.艰苦奋斗B.实事求是C.独立自主D.争取外援【答案】： C 40、The article opens and closes with des

28、criptions of two news reports, each _ one major point in contrast with the other.A.makesB.madeC.is to makeD.making【答案】： D 41、投资银行最本源、最基础的业务活动不包括（ ）。A.证券发行与承销业务B.证券经纪与交易C.承销业务D.风险投资【答案】： D 42、资料：You can not go forward by going backward. Take the current debate about trade and globalization, for insta

29、nce, while the impulse to erect trade barriers is understandable given the pain experienced in recent years, it is not the way to create lasting growth and shared prosperity.A.The participation in the trade globalization is not broad enoughB.Job losses are often under-estimatedC.Domestic firms are p

30、roblematic with productivityD.Globalization hinders growth of small and medium-size firms【答案】： A 43、资料：From Coins to Credit Banking Throughout the Ages is a concise history of banks and the banking industry from ancient times to the present. James Gallagher, who has made a career of covering financi

31、al news for several newspapers, has done a careful job of investigating his subject. Although he presents the facts carefully, Mr. Gallagher has made what could have been a dry book into one that is interesting and enjoyable. By telling amusing anecdotes about historical figures, he makes them come

32、alive. Even people who are not particularly attracted to the subject matter will find this book engrossing.A.It is very longB.It is entertainingC.It describes people from the pastD.It is well researched【答案】： A 44、资料：It is September of 1998, Im sitting in a windowless office room inside the Office of

33、 the Independent Counsel underneath humming fluorescent lights. Im listening to the sound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my hea

34、d. A few days later, the Star Report is released to Congress, and all of those tapes and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online

35、. The pubic humiliation was excruciating. (1)A.noting is true with the phenomenon that young people died of cyberbullyingB.the claim that young people cannot imagine living to the next day is not the factC.research shows that suicidal ideations are caused more by the online bullyingD.many young peop

36、le take their own lives not online but in reality【答案】： A 45、为了提高经济增长率，可以采取的措施是（ ）。A.加强政府的宏观调控B.刺激消费水平C.减少工作时间D.推广基础科学及应用科学的研究成果【答案】： D 46、高通胀下的GDP增长将导致金融市场行情（ ）。A.上升B.下跌C.不变D.都有可能【答案】： B 47、关于奥肯定律，下列说法正确的是（）。A.奥肯定律是由英国经济学家奥肯提出来的B.奥肯定律衡量的是物价变动率和失业率之间的相关关系C.当实际GDP增长相对于潜在GDP增长上升1%，失业率下降大约1%D.当实际GDP增长相对

37、于潜在GDP增长上升2%，失业率下降大约1%【答案】： D 48、Some parents use social media to（）their kids and to monitor their activities.A.check inB.communicate withC.stand besideD.apply for【答案】： B 49、 决算日营业终了，若本年利润科目的余额在贷方，则全年为（）。A.亏损B.收支平衡C.盈利D.盈亏情况不定【答案】： C 50、2020年4月29日，中共中央政治局委员会召开会议，会议指出，党中央研究确定了支持湖北省经济社会发展（），从财政税收、金融信贷

38、、投资外贸等方面明确了具体措施。A.全包全揽计划B.加速加快发展C.一揽子政策D.一省带一市【答案】： C 第二部分 多选题(50题)1、关于中行社会责任和慈善活动，中国银行荣获（ ）奖项。A.最具社会责任感品牌B.最具社会责任金融机构奖C.社会责任最佳公益慈善贡献奖D.最具慈善行动力品牌【答案】： BC 2、使用原币记账法时，须设置特定的（）科目和（）科目作为桥梁。A.原币“外汇买卖”B.人民币“外汇买卖”C.本币“外汇买卖”D.外币“外汇买卖”【答案】： AC 3、在我国加入WTO后的今天，外资银行已经逐步突破地域、业务等限制进人我国市场。外 资银行在我国拓展业务，由于对国情、民情和金融法

39、规不甚了解，难以准确把握市场信息。外 资银行把握市场信息的捷径就是实现管理人员的“本土化”。外资银行用优厚的薪酬待遇、优 越的工作环境、良好的福利保障、众多的出国培训机会、灵活的用人机制来吸引和留住人才。 这一举措导致了我国金融人才的大量流失，这对我国商业银行人力资源开发和管理提出了严 峻挑战。A.建立银行行员制B.实行全员劳动合同制C.专业技术职务管理D.加强思想政治工作【答案】： BC 4、非物质文化遗产是指各族人民世代相承，与群众生活密切相关的，通过口头和动作传承的 各种传统文化表现形式和文化空间。根据上述定义，下列属于我国非物质文化遗产的是( )。A.福建的高甲戏、歌仔戏、福州评话B.

40、梁祝传说、白蛇传传说、孟姜女传说C.红楼梦、水浒传、西游记、三国演义D.火宫殿火神庙会、药山王庙会、自贡灯会【答案】： ABD 5、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】： AD 6、 证券交易的方式有（）。A.现货交易B.期货交易C.期权交易D.信用交易【答案】： ABCD 7、下面属于股东大会职责的是（ ）。A.修改公司章程B.监督董事会和监事会C.选举和更换董事及由股东代表出任的监事D.聘任或解聘公司经理【答案】： ABC 8、盈利能力指标有（）。A.每股收益率B.主营业务利润率C.资

41、产负债率D.净资产收益率【答案】： ABD 9、下列属于准公共产品的是（ ）。A.移动通信B.银行C.政府兴建的公园D.教育【答案】： CD 10、支票的种类包括（）。A.现金支票B.转账支票C.划线支票D.普通支票【答案】： ABD 11、下列各项中，（）属于不定期并且全面财产清查。A.单位合并、撤销以及改变隶属关系B.年终结算之前C.企业股份制改制前D.单位主要领导调离前【答案】： ACD 12、2020年3月26日电，国家主席习近平在北京出席二十国集团领导人应对新冠肺炎特别峰会并发表题为携手抗疫共克时艰的重要讲话。习近平就会议议题提出（）。A.支持国际组织发挥作用B.国际宏观经济政策协调

42、C.打好新冠肺炎疫情防控全球阻击战D.开展国际联防联控【答案】： ABCD 13、按企业所得税法的规定，下列说法中正确的有（）。A.融资租赁租入的固定资产发生的租赁费支出。按照规定构成融资租入固定资产价值的部分应当提取折旧费用，分期扣除B.经营租赁租人的固定资产发生的租赁费支出，按照租赁期限均匀扣除C.企业之间支付的管理费用，能够提供相应证明的，可以扣除D.企业内营业机构之间支付的租金，能够提供相应证明的.可以扣除【答案】： AB 14、下列关于Excel工作簿的概念，说法正确的是（ ）。A.个Excel文件只包含一张工作表B.个Excel文件可包含多张工作表C.一个Excel文件只包含多个E

43、xcel工作簿D.个Excel文件就是一个Excer工作簿【答案】： BD 15、企业根据消费者需求的不同，把整个市场划分成不同的消费者群的过程叫做市场细分，下列属于人口细分的有（）。A.收入B.个性C.态度D.民族【答案】： AD 16、在下列( )情况下，应实施应付账款的函证。A.控制风险高B.财务状况不佳C.存在大量小金额欠账D.应付账款金额较大【答案】： ABC 17、在我国，随着经济发展和改革的深入，“短缺经济”转变为“过剩经济”，投资消费需求膨胀一度转变为投资消费需求不足。1997年下半年，我国零售物价指数开始全面持续下跌，存在“通货紧缩趋势”。为此中国人民银行采取了一系列货币政策

44、措施予以应对。A.减少货币供应B.下调存款准备金率C.加大再贴现力度D.在公开市场上买进有价证券【答案】： BCD 18、要发送一封电子邮件不是必须添加的题目是（）。A.发信人地址B.收信人地址C.主题D.信件内容【答案】： CD 19、要发送一封电子邮件不是必须添加的题目是（）。A.发信人地址B.收信人地址C.主题D.信件内容【答案】： CD 20、2003年，我国在经济快速发展的同时，也出现了投资增长加速（尤其一些地区房地投资过 大），货币信贷增长过快现象，形成煤、电、油、运等供应紧张，物价增长加快的趋势。对此，中国 人民银行采取了一系列货币政策措施加以调控，并已取得良好成效。 根据上述材料，回