历年银行招聘之银行招聘综合知识题库包过题库及答案1套.docx

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1、历年银行招聘之银行招聘综合知识题库包过题库及答案1套第一部分 单选题(50题)1、Passage 2A.one-sidedB.reasonableC.puzzlingD.well-based【答案】： A 2、小明手里有2枚5分钱硬币，7枚2分钱硬币和5枚1分钱硬币，如想组合成1角1分钱，共有（）种组合方式。A.11B.7C.8D.10【答案】： B 3、It is uncertain（）side effect the medicine will bring about.A.thatB.whatC.howD.whether【答案】： B 4、资料：The business announced

2、that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.A.SubjectiveB.CriticalC.UnbiasedD.Supportive【答案】： C 5、How are we to develop new technology if w

3、e cant study current technology to figure out how to_it?A.improveB.restC.causeD.conceal【答案】： A 6、During her junior year of high school,Diane Rays teacher handed her a worksheet and instructed the 17-year-old to map out her future financial life.Ray pretended to buy a car,rent an apartment,and apply

4、for a credit card.Then,she and her classmates played thestock market game,investing（投资）the hypothetical（虚拟的）earnings from their hypothetical jobs in the market in the disastrous fall of 2008.Our pretend investments crashed,Ray says,still frightened.We got to know how it felt to lose money.A.better s

5、tudentslearning methodsB.prevent students going into debtC.help students get accepted by collegesD.make students become very wealthy【答案】： B 7、根据物的分类，下列物与物的关系中属于主物与从物关系的是（）。A.冰箱与雪柜B.矿泉水与蒸馏水C.衣柜与门框D.汽车与备用轮胎【答案】： D 8、Educating patients about receiving surgical procedures is becoming an important issue,

6、_it can reduce anxiety and uncertainty while helping to hasten decisions for undergoing time sensitive surgeries.A.thereforeB.asC.ifD.however【答案】： B 9、Passage 1A.pay off all her debtsB.handle her money betterC.find a job in a bankD.manage the family income【答案】： B 10、资料：Children back at school, night

7、s 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 migration of global capital towards any asset, anywhere, with

8、some yield, is slowing.A.In recent years central banks adopt the method of lower interest rates and asset purchases to promote economic growth but now such ability of central banks have become increasingly weakerB.Investors doubt that the yields will decline, because the bond prices of financial mar

9、ket are fallingC.In the first half of this year global financial markets are as changeable as the weather changesD.The 10-year yields German and Japanese government bond have been moving up slowly through the summer【答案】： B 11、一般来讲，在下列（ ）经济背景条件下证券市场呈上升走势最有利。A.持续、稳定、高速的GDP增长B.高通胀下的GDP增长C.宏观调控下的GDP减速增长

10、D.转折性的GDP变动【答案】： A 12、利率变动对宏观经济有重要影响，从消费者角度看，利率下降时，会（）。A.抑制消费，增加储蓄B.刺激消费，减少储蓄C.刺激消费，刺激储蓄D.抑制消费，抑制储蓄【答案】： B 13、资料：Business,academic and civic leaders in Cambridge have warned that one of Britains major economic growth cities is under threat unless the government acts quickly to restore trust post-Bre

11、xit.A.Serious unemploymentB.WarsC.Foreign talents drainD.Social instability【答案】： C 14、一般而言，物价水平年平均上涨率不超过2%3%的是（ ）。A.爬行通货膨胀B.温和通货膨胀C.恶性通货膨胀D.奔腾式通货膨胀【答案】： A 15、Facing the board of directors,he didnt deny（）breaking the agreement.A.himB.itsC.hisD.It【答案】： C 16、 ( )是指按照当前市场条件，重新取得同样一项资产所需支付的现金或现金等价物金额。A.重

12、置成本B.公允价值C.历史成本D.可变现价值【答案】： A 17、Attachments_to your Hotmail account can be downloaded to your personal computer by clicking.A.sentB.to sendC.are sentD.sending【答案】： A 18、资料：Italys next government, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investo

13、rs 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. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-pe

14、rforming loans（NPLs）. Over 185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）A.Bad loans remain a concern in Italy and across southern EuropeB.Italy will be the largest source of NPLs for the foreseeable futureC.Italy asks the European Central Bank

15、 to forgive its debtD.Investors can trade in NPLs across 11 European countries【答案】： B 19、A公司于10月20日向B公司发出一项要约，欲向其购买材料一批，第二天因为发生安全事故公司停产，便想反悔，10月23日发出撤回通知。要约于10月26日到达B公司。27 日，B公司正在组织讨论是否应该接受这个要约的时候，撤回通知到达。则（ ）。A.要约有效，撤回通知后于要约到达，未被撤回B.要约有效，要约未被撤销C.要约无效，要约已被撤回D.要约生效，要约已被撤销【答案】： D 20、Passage 4A.Little M

16、oney Leads toB.a MillionaireBThe Success Road to Be a MillionaireC.Alex Taw：An Millionaire BoyD.The MillionDollarH【答案】： C 21、巴塞尔资本协议规定了银行的资本充足率必须（ ）。A.12%B.10%C.8%D.4%【答案】： C 22、 对利随本清的存款计算存期时，下列说法正确的是( )。A.存人日计息，支取日不计息B.存入日、支取El均计息C.存人的第二日起息，算至支取日D.存入的第二日起息，算至支取的前一日【答案】： B 23、She_as an animal train

17、er since2003.A.hasworkedB.worksC.willworkD.worked【答案】： A 24、Uranus, _ is much more massive than the Earth, seems to have been tipped over so that it lies on its side.A.whatB.whoC.thatD.winch【答案】： D 25、以下哪种情形会使货币需求增加？（）A.商品和劳务供给量减少B.银行存款利率升高C.物价水平上升D.货币流通速度加快【答案】： C 26、Passage 6A.Less Screening for M

18、ore SafetyB.PreChecka Belated SolutionC.Getting Stuck in Security LinesD.Underused PreCheck Lanes【答案】： C 27、资料：As a business owner， it is vital that you understand and use advanced technologies. Technology can help increase business efficiency and even expand operations.A.审讯B.检验C.麻烦D.试用【答案】： D 28、假设

19、某银行体系：（1)原始存款总额为100万元；（2)法定准备金额为8%;(3)现金漏损率为10%;(4)超额准备金率为2%; (5)定期存款准备金率为4%;(6)定期存款总额为20万元。 根据上述材料，回答下列问题：A.K=1/(r+h)B.K = 1/(r+h+e)C.K=1/(r+ h + e+tS)D.K= 1/(r+h+et+s)【答案】： C 29、下列哪一职位，不属于国务院的组成人员？（）A.国务院副总理B.国务委员C.国务院副秘书长D.审计长【答案】： C 30、分子生物学的研究表明（）。A.细胞是遗传信息的载体B.细胞核是遗传信息的载体C.DNA是遗传信息的载体D.细胞壁是遗传信

20、息的载体【答案】： C 31、货币政策诸目标间呈现一致性关系的是（）。A.经济增长与充分就业B.充分就业与国际收支平衡C.物价稳定与经济增长D.物价稳定与充分就业【答案】： A 32、We need to get necessary funds so that a complete（）of the facility can be done.A.renovationB.renovateC.renovatedD.renovates【答案】： A 33、Uranus, _ is much more massive than the Earth, seems to have been tipped o

21、ver so that it lies on its side.A.whatB.whoC.thatD.winch【答案】： D 34、Passage 3A.they think it academically misleadingB.they have a lot of fun to expect in collegeC.it feels strange to do differently from othersD.it seems worthless to take off-campus courses【答案】： C 35、小刘奉命采购机器零件，一种零件的单价是500元，另一种零件的单价是7

22、00元。这两种零件小刘都买了一些，且已知单价500元的零件数量占比不足50%。这次采购，小刘一共花了7100元，则他一共购买了（）件。A.11B.13C.14D.12【答案】： A 36、科斯定理通常受到（）的影响，使私人间无法达成协议。A.管制B.需求C.价格D.交易成本【答案】： D 37、资料：Large industrialized are now in a recession. What are the prospects for economic recovery?A.can help towards overcoming this problem about the ratio

23、of debt to incomeB.may lead Germanys importance as Europes largest export market to declineC.may bring some relief to other members of the European Exchange Rate MechanismD.None of above【答案】： D 38、某有限责任公司被吊销营业执照，以下为法律顾问提供的法律意见，不正确的是（）。A.公司应当自被吊销营业执照之日起15日内成立清算组B.清算组由董事或者股东大会确定的人员组成C.公司逾期不成立清算组，债权人可以

24、申请人民法院指定人员组成清算组D.清算组代表公司参与民事诉讼活动【答案】： B 39、2020年2月初，武汉市开始连夜建设三所“（）”，用于专门收治确诊的新型冠状病毒感染的肺炎轻症患者。A.火神山医院B.雷神山医院C.小汤山医院D.方舱医院【答案】： D 40、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD

25、 player or Nokia phone at Best Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.A.IllegalB.CondemnableC.RifeD.Common【答案】： C 41、阅读下列短文，从短文后各题所给的四个选项中，选出可以填

26、人空白处的最佳选项。A.whatB.whenC.whichD.that【答案】： D 42、资料：Special needs students can not only learn from regular education teachers, but can participate in collaborative learning with mainstream students as well. Collaborative learning allows students to work together in groups to complete lessons and assign

27、ments. A.DoubtB.PositiveC.IndifferentD.Disagreeable【答案】： B 43、资料：The hop flower has been used in beer-making at 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 amount

28、s. But, depending on variety, growing conditions, and other factors, hops can impart a range of flavors that connoisseurs 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

29、 popular products was the India pale ale, or L.P.A., a brew that has been around since the late eighteenth century. 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 Emp

30、ire there.A.The British produced large quantities of beerB.The British found one of the most popular products called the India pale ale, or I.P.AC.The British made Hop flower a necessity and shipped it in large quantities to IndiaD.The British added more hop flower in beer【答案】： D 44、资料：Desktop Suppo

31、rt for Private Equity Firm in MidtownA.To update, track and close incident ticketsB.To use an enterprise imaging solutionC.Physical setting up for computersD.Configuring systems and applications【答案】： A 45、The_of their years of education was 10.96 with a minimum of 7 and a maximum of 17.A.meanB.media

32、nC.modeD.average【答案】： B 46、对特定地区的经济发展进行倾向性经营的银行是（ ）。A.国家开发银行B.中国人民银行C.城市商业银行D.中国农业银行【答案】： A 47、为深入落实2021年中央一号文件要求，巩固拓展脱贫攻坚成果同乡村振兴有效衔接，中国银行间市场交易商协会于近期推出首批乡村振兴票据。农业银行作为牵头主承销商和簿记管理人，成功为中粮集团有限公司发行2021年第一期中期票据（乡村振兴），发行期限（）年，发行规模20亿元，募集资金主要用于支持中粮集团粮食收储工作。作为全国首批乡村振兴债，本次债券的成功发行对于保障粮食安全、促进农民增收、实现乡村振兴发展具有重要意义

33、。A.2年B.3年C.4年D.5年【答案】： A 48、票据丧失的补救措施不包括（ ）。A.停止支付B.挂失止付C.公示催告D.提起诉讼【答案】： A 49、资料：Stress is a common factor in life. Children experience stress from school, new social situations and simply growing up. Adults feel the stress of working, paying bills, raising kids and maintaining households. Seniors

34、also feel stress, even though some may have retired, raised their children and paid off their homes. Certain amounts of stress are a part of life for people of all ages.A.living aloneB.the loss of spouseC.friends deathD.all of the above【答案】： D 50、 反映企业在某一特定日期财务状况的会计报表是（ ）。A.利润表B.资产负债表C.现金流量表D.所有者权益变

35、动表【答案】： B 第二部分 多选题(50题)1、下列各项中，属于会计基本职能的有（）。A.进行会计核算B.预测经济前景C.评价未来业绩D.实施会计监督【答案】： AD 2、应通过“应收账款”科目核算的有（ ）。 A.销售产品尚未收到货款B.销售产品时代客户垫付的包装费C.员工出差预借的差旅费D.销售产品时应向客户收取的增值税【答案】： ABD 3、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为2.5%。A.当股票市价 Po时，可继续持有该只股票B.当股票市价 Po时，可买进该只股票C.当股票市价 Po时，可卖出该只股票D.当股票市价=Po时，可继续持有或

36、抛出该只股票【答案】： ABCD 4、2010年以后，各大商业银行逐渐取消了住房贷款的优惠利率。北京、上海都出台了房屋限购令。中国人民银行也在年内5次上调存款准备金率。中国人民银行也在3年内首次加息。A.打击投机性购房B.鼓励投资性购房C.抑制房价过快增长D.限制房地产业发展【答案】： AC 5、与债券筹资相比，属于股票筹资优点的有（）。A.筹资审批环节少B.降低公司财务风险C.降低公司资本成本D.增强公司信誉，提高筹资能力【答案】： ABD 6、下列关于金融市场对银行业的影响正确的是（ ）。A.提高银行业的风险管理水平B.放大商业银行的风险事件C.减少银行资金来源D.造成大量优质客户流失【答

37、案】： ABCD 7、关于存款类金融机构职员的一些行为描述，有可能会对从业人员及所在机构产生不利影响的选项有（ ）。A.在为客户提供服务的过程中，发现该客户提供的业务申请材料有部分是假造的，但是为了做成业务，该业务员暗示客户其行为可能触犯法律，并建议该客户可以经由第三方代其申请， 以规避法律约束B.发现其经办的某笔业务是为了逃避监管规定或规避法律、法规禁止性规定，于是按照内部流程进行了必要的报告C.出于私情向家人提供规避监管规定的意见和建议，并利用其所在机构的资源为这些行为提供方便D.明确告知某客户，其申请资料存在不实之处，并让客户重新提交真实的申请材料，以顺利提交审核【答案】： AC 8、以

38、下属于中国金融监管的对象有（ ）。 A.国有商业银行B.农村信用合作社C.信托投资机构D.无组织的民间信用活动【答案】： ABCD 9、现假设某国银行体系由中央银行以及至少两家以上的商业银行组成，商业银行只保留法定存款准备金，超额准备金全部用于贷款或投资，银行客户不提取现金，银行只经营活期存款，法定准备金率为8，原始存款量为100万元。A.同原始存款的数量成反比B.同原始存款的数量成正比C.同法定准备金率成反比D.同法定准备金率成正比【答案】： BC 10、用户yilong的电子邮件地址，描述正确的包括（）。A.yilongB.yilongC.yilong#D【答案】： AB 11、1999年

39、以来为适应我国农业和农村经济发展需要，农村信用社积极开展金融创新的主 要形式包括（）。A.农户小额信用贷款B.农户质押贷款C.农户联保贷款D.农户抵押贷款【答案】： ABCD 12、2010年以后，各大商业银行逐渐取消了住房贷款的优惠利率。北京、上海都出台了房屋限购令。中国人民银行也在年内5次上调存款准备金率。中国人民银行也在3年内首次加息。A.打击投机性购房B.鼓励投资性购房C.抑制房价过快增长D.限制房地产业发展【答案】： AC 13、存款人有下列（）情形之一的，应向开户银行提出撤销银行结算账户的申请。A.存款人变更名称但不变更银行账户名称的B.注销、被吊销营业执照的C.因迁址需要变更开户

40、银行的D.存款人因迁址但不变更开户银行的【答案】： BC 14、借贷记账法的记账规则为( )。A.以“借”、“贷”作为记账符号B.借贷必相等C.以会计科目为记账主体D.有借必有贷【答案】： BD 15、治理通货膨胀的主要政策措施包括( ）。A.紧缩的需求政策B.积极的财政政策C.积极的供给政策D.积极的消费政策E.从严的收入政策【答案】： AC 16、商业银行按其组织结构可以分为（）。A.单一制B.持股公司制C.分支银行制D.连锁银行制【答案】： ABCD 17、我国货币政策的中介目标是货币供应量，下列对A.从数量上看，B.C.D.【答案】： ABC 18、 根据金融犯罪的行为方式不同，金融犯

41、罪可以分为（）。A.诈骗型金融犯罪B.伪造型金融犯罪C.规避型金融犯罪D.利用便利型金融犯罪【答案】： ABCD 19、职业道德促进个体发展的功能集中体现在（）。A.它是个体人格素质的重要组成部分B.它是个体实现人生价值的重要保证C.它是个体心理素质的核心内容D.它是个体维护自身权益的根本保障【答案】： ABD 20、中国银行业全面对外开放的标志有（ ）。A.取消外资银行经营人民币业务的地域限制B.允许外资银行对所有客户提供人民币业务C.取消对外资银行在华经营的非审慎性限制D.取消外资银行经营人民币业务的客户限制【答案】： ABCD 21、金融创新对微观金融主体的影响主要表现在（ ）。A.为金

42、融机构拓展生存空间B.扩大货币供应量C.使投资者增强抗风险的能力D.降低货币需求的稳定性【答案】： ABCD 22、在Excel中，以下（ ）操作是将当前单元格的左边单元格变为当前单元格。A.按键B.按 键C.按 Enter 键D.按 Shift+Tab 键【答案】： AD 23、商业银行经营管理过程中必须遵守（ ）原则。A.安全性B.流动性C.保值性D.盈利性【答案】： ABD 24、下列可以通过固定资产清理科目核算的有（）。A.大修理的固定资产B.改扩建的固定资产C.出售的固定资产D.报废的固定资产【答案】： CD 25、商业银行交易类中间业务主要包括（ ）。A.远期外汇合约B.金融期货C

43、.互换D.期权E.回购协议【答案】： ABCD 26、长期股权投资初始投资成本超过应享有被投资单位所有者权益份额之间的差额。其会计分录为( )。A.借：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)贷：长期股权投资股票投资(投资成本)其他股权投资(投资成本)B.借：长期股权投资股票投资(投资成本)其他股权投资(投资成本)贷：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)C.借：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)贷：投资收益D.借：投资收益贷：长期股权投资股票投资(股权投资差额)其他股权投资(股权投资差额)【答案】： AD 27、UPS的三种工作模式是（）。A.自动模式B.旁路模式C.市电模式D.电池模式【答案】： BCD