吉林省2023年银行招聘之银行招聘综合知识通关考试题库带答案解析.doc

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1、吉林省吉林省 20232023 年银行招聘之银行招聘综合知识通关考年银行招聘之银行招聘综合知识通关考试题库带答案解析试题库带答案解析单选题（共单选题（共 5050 题）题）1、资料：Chinas Fosun has offered to buy almost 17 percent ofMillennium BCP,Portugals largest listed bank,and potentially liftits stake to 30 percent,following a having in its share price in theyear to date.A.?0.03B.?0

2、.02C.?0.05D.?0.025【答案】A2、The WHO says there is currently no evidence of human-to-human_ of the virus.A.translationB.transitionC.transmissionD.transaction【答案】C3、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】A4、We have launched a campaign called Together Science Can，whichbrings together people from absol

3、utely around the world to_forthose things that we care about。A.stand byB.stand upC.stand onD.stand against【答案】B5、（）是金融市场所具有的主要宏观功能。A.价格发现B.减少搜寻成本和信息成本C.提供流动性D.实现储蓄投资转化【答案】D6、交易双方同意在将来的某一特定日期，按事先规定好的价格买入或售出既定数量的某种资产协议的金融工具，称之为（），它是一种场外交易。A.金融期货B.金融期权C.远期合约D.互换【答案】C7、资料：Directions:There is 1 passage i

4、n this part.The passage isfollowed by some questions or unfinished statements.For each of themthere are four choices,You should decide on the best choice.A.To infer that a person s face is highly unlikely to change toanother shapeB.To illustrate that the image stored in the phone cannot be changedif

5、 FaceID is compromisedC.To explain the revocation difficulty of FaceID.To enhance the data security on iPhone since it do not sharebiometric information with servers【答案】C8、He wants to _ and _ everything.A.cover up;paint upB.cover up;paint overC.cover over;paint overD.cover over;paint up【答案】B9、以下不是网络

6、操作系统的是（）。A.UNIXB.LinuxC.Windows 2000D.DOS【答案】D10、资料：No matter how carefully you pick the members on yourteam,you may still end up with a negative employee.These workersdont necessarily fall into the category of“toxic,”but theyrejust kind of a drag with their cynical,pessimistic worldview.If youre de

7、aling with a negative employee,here are 3 steps to take.A.Help solve the workplace disputes for the negative employeeB.Put the negative employee in a suitable working positionC.Have the negative employees colleagues to avoid arguments withhim/herD.Support the negative employee to go through challeng

8、ses outside theoffice【答案】C11、根据个人外汇管理办法的规定，下列说法不正确的是（）。A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户C.结算账户用于转账汇款等资金清算支付D.储蓄账户可用于外汇存取与转账【答案】D12、下列选项中，在立卷范围之列的是（）。A.反映本机关工作活动.正在办理中的文件B.反映本机关工作活动的所有文件C.反映本机关工作活动的，具有查考利用价值的办毕文件D.反映其他机关工作活动的办毕文件【答案】C13、Lets face it.Gardening fanatics

9、like nothing better than to havetheir hands stuck in the soil or to be trimming,pruning,or harvestingthe fruits of their labors.But for once,here is an obsession whichbenefits the whole community by beautifying the environment andproducing cooler,more fragrant,and cleaner air.To recognize thatfact,t

10、he Tampa City Council has decided to award generous prizes tothe most beautiful displays this spring.A.February 12B.April 25C.June 1D.August 3【答案】C14、资料：From Coins to Credit Banking Throughout the Ages is aconcise history of banks and the banking industry from ancient timesto the present.James Galla

11、gher,who has made a career of coveringfinancial news for several newspapers,has done a careful job ofinvestigating his subject.Although he presents the facts carefully,Mr.Gallagher has made what could have been a dry book into one thatis interesting and enjoyable.By telling amusing anecdotes abouthi

12、storical figures,he makes them come alive.Even people who are notparticularly attracted to the subject matter will find this bookengrossing.A.BankerB.LibrarianC.JournalistD.Publisher【答案】C15、I think science is more useful than art.A.not so useful asB.less useful thanC.the most useful ofD.as useful as

13、【答案】D16、Dont bother your father tonight-hes got a lot（）his mind.A.onB.toC.inD.around【答案】A17、资料：Seeking to end a stalemate in negotiations over hercountrys withdrawal from the European Union,Prime Minister TheresaMay of Britain offered Friday substantial payments to the bloc duringa two-year transiti

14、on period immediately after the countrys exit.A.Thereas Mays makes financial commitment to EU for the transitionperiodB.Britain insists on leaving EU without any agreementC.EU wont talk to Britain unless Britain makes concessionsD.Thereas May seeks to unlock Brexit talks in her speech【答案】D18、资料：We a

15、ll know that lack of sleep affects our memory alongwith other cognitive abilities.Sitting in the office sleep deprivesits difficult to remember your own name,let along the ever-lengthening to-do list.A.Creation of false memoriesB.Memory deprivationC.Crime being createdD.Different details shown【答案】A1

16、9、资料：From:Peter Manx pmanxbettertraining.co.auA.Reasonable pricesB.Useful course contentC.Flexible arrangementsD.Well qualified teachers【答案】A20、某班级组织春游，班干讨论后规定获得贫困助学金的同学交 25 元的活动费，其他同学交 50 元的活动费，班上共有 60 名同学，最后共收取春游费 2700元，该班有（）名同学获得贫困助学金。A.10B.12C.14D.16【答案】B21、资料：Chinas Fosun has offered to buy alm

17、ost 17 percent ofMillennium BCP,Portugals largest listed bank,and potentially liftits stake to 30 percent,following a having in its share price in theyear to date.A.?0.03B.?0.02C.?0.05D.?0.025【答案】A22、商业银行最主要的资金来源是（）。A.资本金B.中央银行借款C.发行金融债券D.存款负债【答案】D23、公文区别于其他类别文章的主要之处是（）。A.公文形成的主体是国家机关及其他社会组织B.公文形成的条

18、件是行使职权和实施管理C.公文是具有法定效用与规范格式的文件D.公文是办理公务的重要工具之一【答案】C24、()不属于反映企业在一定会计期间的经营成果的会计要素。A.资产B.收入C.费用D.利润【答案】A25、资料：Happy wood sprites knows the way to Fenghuang city.A.DancesB.PoetryC.PaintingsD.Music【答案】D26、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Althou

19、gh internal control isan important factor in protecting assets and preventing fraud,thisis only a part of its roles.Remember that business decisions arebased on accounting data and the system of internal control providesassurance of the dependability of the accounting data used in makingdecisions.A.

20、The means of communicationB.The level of performance in all divisions of the companyC.The effectiveness of company policiesD.The financial reports【答案】C27、下列银行中不是政策性银行的是（）。A.中国农业发展银行B.国家开发银行C.中国进出口银行D.中国农业银行【答案】D28、Passage 3A.They think of it as a good tourist destinationB.They feel contemptuous of i

21、tC.They regard it as a superpower on the declineD.They are sympathetic with it【答案】A29、飞船的发射时间基本上都选择在凌晨或子夜的原因是（）。A.白天太阳光照射，容易使火箭升温B.在漆黑的夜空中，地面的光学跟踪测量设备容易捕捉跟踪目标C.白天电磁波干扰强烈D.夜晚天气变化小，有利于火箭发射【答案】B30、Science and spirit seemed so incongruent,and yet they bothappeared to be two windows（）into the same house.

22、A.lookedB.looksC.lookingD.to look【答案】C31、让考核回归价值本位、激发更多正能量，_。在江西景德镇，当地就领导干部存在的突出问题向社会征求意见，并以此为依据分类设计“逆向民主测评表”；在江苏南通，有关部门在领导干部“德”的评价指标中设置正反两个层面，让考核考出差别、考出问题。各地积极的探索尝试表明，只要高度重视、认真谋划、矢志创新，就能更好激活考核的正向效应，为干部队伍建设注入新的活力。A.主要是干部队伍建设B.核心是加强道德建设C.关键还是靠制度创新D.突破口在于群众监督【答案】C32、在民事诉讼时效期间的最后 6 个月内，权利人因不可抗力或者其他障碍不能

23、行使请求权的，诉讼时效（）。A.中断B.中止C.延长D.终止【答案】B33、近年来，我国取得了举世瞩目的成就。下列被称作中国的：“新四大发明”的是：（）。A.蛟龙天眼墨子人工智能B.天官支付宝网购共享单车C.高铁网购移动支付共享单车D.大飞机高铁悟空移动支付【答案】C34、Passage 3A.They have to cancel their vacations in New EnglandB.They find it unaffordable to dine in mom-and-pop restaurantsC.They have to spend more money when buy

24、ing imported goodsD.They might lose their jobs due to potential economic problems【答案】C35、Passage 4A.the visit to the United Kingdom was amazingB.Kieran has made great progress in many aspectsC.the youth have found a way to solve their problemsD.the mentoring sessions are held every day except Friday

25、【答案】B36、资料：From:Iris WuA.graphic designerB.marketing directorC.An appliance technicianD.An administrative assistant【答案】B37、我国人民币汇率采取的标价方法是（）。A.直接标价法B.间接标价法C.美元标价法D.双向标价法【答案】A38、汇款人办理信汇时，如果是交付现金汇款，应该向银行另填制（）。A.一联特种转账贷方凭证B.一联特种收款贷方凭证C.一式三联的信汇凭证D.一式四联的信汇凭证【答案】A39、下列账务处理程序中，适合规模较小，经济业务较少类型使用的是（）。A.记账凭证汇

26、总表账务处理程序B.汇总记账凭证账务处理程序C.科目汇总表账务处理程序D.记账凭证账务处理程序【答案】D40、资料：“I wouldnt be here today if not for the generosity ofstrangers,”said Michael Moritz,while announcing a major donationto Oxford University.A former Time Magazine reporter,Mr.Moritzleft journalism to become one of the most successful venturecap

27、italists in Silicon Valley.Through Sequoia Capital,the firm hejoined in 1986 and has led for many years,Mr.Moritz was an earlyinvestor in Google,Yahoo,PayPal and LinkedIn.His personal fortuneis estimated at well over$1 billion.Oxford University announcedlast Wednesday that he and his wife,the noveli

28、st Harriet Heyman,donated 75 million,or$115 million,to fund a new scholarshipprogram aimed at providing financial aid to students from low-incomebackgrounds.Behind the headlines about the size of the gift was afamily story of immigration,education and a sense of obligation thattranscended generation

29、s.A.an independent journalist or reporter who sells news to websitesB.a person with an unnaturally strong interest in unpleasant thingsC.a latest news item that released exclusively on the internetD.an online link that directs people to the most heated issue【答案】B41、资料：Good listening is much more tha

30、n being silent while theother person talks.To the contrary,people perceive the bestlisteners to be those who periodically ask questions that promotediscovery and insight.These questions gently challenge oldassumptions,but do so in a constructive way.Sitting there silentlynodding does not provide sur

31、e evidence that a person is listening,but asking a good question tells the speaker the listener has notonly heard what was said,but that they comprehended it well enoughto want additional information.Good listening was consistently seenas a two-way dialog,rather than a one-way“speaker versus hearer”

32、interaction.The best conversations were active.A.Tell readers to be good listenersB.Analyze the behavior of good listenersC.Explain what would happen if speakers are boringD.Encourage listeners to help the other person to see theconversation in a new light【答案】A42、债券本期收益率的计算公式是（）。A.票面收益/市场价格B.票面收益/债券

33、面值C.（出售价格购买价格）/市场价格D.（出售价格购买价格）/债券面值【答案】A43、Passage 5A.The climate models are more changeableB.Hot air would be more capable to hold humidityC.Many trees have been planted recentlyD.The grasses are temporarily appeared with the rains【答案】B44、2017 年 4 月份，某省规模以上食品工业增加值同比增长 15.0%，比全省规模工业平均水平高 9.4 个百分点。其

34、中，农副食品加工业增长 14.0%，食品制造业增长 18.6%，酒、饮料和精制茶制造业增长 13.9%。14 月，规模以上食品工业产值累计增长 11.6%，增幅比全省规模工业平均水平高 4.5 个百分点。A.熟肉制品B.米制半成品C.冷冻蔬菜D.酱油【答案】B45、He has made a discovery,_ of great importance to the progressof science and technology.A.which I think it isB.which I think isC.think which isD.of which I think it is【

35、答案】B46、资料：Its easy to trace the evolution of the automobile.Atmost，were only talking about a few centuries of technologicaldevelopment，and most of the plans，prototypes and models are stillaround.With just a little research，you can easily trace the latestmodel electric hybrid back to its steam-powere

36、d ancestors.A.Hominid and paninB.Chimps and humansC.Walking on two legsD.Morphological and genetic studies【答案】C47、（）how difficult the situation may seem,it is very importantto remember that there are others who are in worse situations.A.As ifB.Even soC.As thoughD.No matter【答案】D48、资料：When a consumer

37、finds that an item she or he bought isfaulty or in some other way does not live up to the manufacturersclaims，the first step is to present the warranty，or any otherrecords which might help.at the store of purchase.In most cases，this action will produce results.However，if it does not，thereare various

38、 means the consumer may use to gain satisfaction A simpleand common method used by many consumers is to complain directly tothe store manager.In general，the“higher up”his or hercomplaint，the faster he or she can expect it to be settled.In sucha case，it is usually settled in the consumers favor，assum

39、ing heor she has a just claim.A.The problem will be settled fasterB.The problem will usually be settled in the customer s favorC.The problem will no longer exist immediatelyD.Both A&B【答案】D49、下列哪种结算工具适用于异地先拿货款后发货的结算？()A.银行汇票B.商业汇票C.银行本票D.支票【答案】A50、计算机的存储系统通常包括（）。A.内存储器和外存储器B.软盘和硬盘C.ROM 和 RAMD.内存和硬盘【答

40、案】A多选题（共多选题（共 2020 题）题）1、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】BC2、为防止金融泡沫，必须通过有效的（）来控制金融机构的经营风险。A.外部监管B.内部自律C.行业互律D.社会公德E.个人反省【答案】ABCD3、莎士比亚的作品中，下列属于“四大悲剧”的作品有（）。A.哈姆雷特B.李尔王C.罗密欧与朱丽叶D.奥赛罗【答案】ABD4、与股票相比，债券的明显特点在于（）。A.规模小B.风险小C.风险大D.安

41、全性高E.收益高【答案】BD5、下列属于存款的原则的有（）。A.存款自愿原则B.支取自由原则C.存款有息原则D.为储户保密原则【答案】ABCD6、大额可转让定期存单最早产生于美国。美国的Q 条例规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20 世纪 60 年代，美国市场利率上涨，高于Q 条例规 定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。A.商业银行贷款业务“表外化”B.贷款结构的变化C.贷款证券化D.与市场利率密切联系的贷款形式不断出现【答案】ABCD7、()会计要素侧重于反映企业在一

42、定会计时点上的财务状况。A.资产B.所有者权益C.费用D.负债【答案】ABD8、树立和落实科学发展观，同大兴求真务实之风之间的关系是（）。A.树立和落实科学发展观，同大兴求真务实之风，是内在统一的B.各级党委、政府和领导干部都要把树立和落实科学发展观作为求真务实的着力点C.用求真务实的作风来树立和落实科学发展观D.在树立和落实科学发展观中坚持求真务实【答案】ABCD9、商品经济的基本特征有（）。A.是开放型的经济B.本质上是交换经济C.以生产资料和产品属于不同的所有者为基础D.是以社会分工和生产专业化为基础的经济【答案】ABCD10、具有信用创造功能的金融机构有（）。A.中央银行B.投资银行C

43、.商业银行D.保险公司【答案】AC11、商业银行存放在中央银行的存款可以分为（）。A.一般性存款B.同业存款C.定期存款D.存款准备金存款【答案】AD12、按信用创造的主体来划分，信用可以分为商业信用、银行信用、国家信用和消费信用。下列属于消费信用的有（）。A.某超市向某人提供额度为 2000 元的赊销业务B.某企业向某超市提供额度为 200 万元的赊销业务C.某建材商允许某人对其所购置的装修材料以分期付款方式在 2 年内还清D.某银行向某人提供 10 万元的经济适用房贷款【答案】ACD13、商品流通公式与资本流通公式相比较，其区别有（）。A.买与卖的顺序不同B.流通中的目的不同C.流通的起点

44、和终点不同D.流通中的媒介不同【答案】ABCD14、关于无差异曲线特征的说法，正确的有（）。A.无差异曲线从左向右上倾斜B.离原点越远的无差异曲线，消费者的偏好程度越高C.任意两条无差异曲线都不能相交D.无差异曲线是凸向原点的E.无差异曲线斜率为负【答案】BCD15、现在我国银行基本开立的信用证业务种类有（）。A.不可撤销的信用证B.可撤销的信用证C.光票信用证D.跟单信用证【答案】AD16、下列关于国有独资公司说法正确的有（）。A.某国有独资公司章程规定，其董事会人数为 10 人B.国有独资公司的董事会和监事会中应当有职工代表C.国有独资公司的董事长未经国有资产监督管理机构批准，不得在其他公

45、司中兼职D.国有独资公司的公司章程可以授权董事会制定，但应报国有资产监督管理机构批准【答案】ABCD17、关于马尔科夫分析法的说法，正确的有（）。A.该方法的关键是确定出人员转移率矩阵表B.该方法的基本思想是根据过去人事变动的规律推测人事变动的趋势C.该方法的基本假设是在一定时期内从某一职位转移人数比例是不固定的D.该方法认为所使用的人员转移比例的周期越短，预测的准确性越高E.该方法进行分析的第一步是制作人员变动表【答案】AB18、联合发文的版头可以用（）的名称。A.联合发文的任意机关B.主办机关C.联署机关D.其他机关【答案】BC19、商业银行的市场风险包括（）。A.利率风险B.汇率风险C.

46、股票价格风险D.商品价格风险E.内部欺诈【答案】ABCD20、银行业金融机构的市场准入主要包括（）。A.信息B.机构C.业务D.高级管理人员【答案】BCD大题（共大题（共 1010 题）题）一、结合中国实际，写一篇 1000 字以上的商业评论。零利率是货币经济学里面的一个神话，即是说利率不可能达到零以下，如果达到零以下，人们都会囤积现金。这个理论被称为零开氏度货币利率的一个极限。瑞典央行在 2009 年曾下调了存款准备金利率。使得存款准备金利率在负值。此举引发了两个问题：是否应该这样做?能否做到?请谈谈你的看法。【答案】我认为是能够做到的。首先，现代央行管理下的利率不止一个。瑞典央行没有把所有

47、的利率都降至零以下，调整的只有存款准备金利率，即各银行存放在央行的存款利率。施行存款负利率是为了阻碍银行以央行准备金的形式囤积过剩的流动性而不贷款给客户。该央行实行负利率，是为了一种目的性很强的操作。因此，负利率并不是一个非此即彼的命题。其次，即便我们接受一个下限的存在，它也可能不是零。零下限的传统论据是：人们肯定会把存款变成现金，但他们必须把现金存放在某个地方并加以保护。这是要花钱的。美联储一位官员曾说，他估计实际存储的成本介于现金价值的 1至 2之间。这意味着，-1或-2的利率，可能不会引发人们大规模的提现行为。在这个利率水平上，人们和银行还是愿意把多余现金作为存款，而不是把它藏在床下，并

48、雇佣 24 小时保安来看守。存储成本仍意味着一个下限，而这个下限是零以下。最后，央行可能会利用政策阻碍囤积现金的行为。一种极端的做法是，给现金做上标记，并给纸币设定一个到期日，迫使持有者支付一笔相当于负利率的费用。考虑到前面两个论点，可能不必要采取这种做法，因为目前的经济状况不需要施行极端的负利率，但知道这种政策可以在必要时使用是有好处的。那么，央行为何仍对零下限望而生畏呢?这里有几种解释。一种说法是，各国央行行长很怕冒险，不愿踏入之前无人涉足的领域，这就需要一家小型央行(例如瑞典央行)来迈出第一步。还有一种说法是，零利率或负利率可能会吸引投资者购买高风险资产，因为他们十分清楚：一旦经济复苏，

49、这些政策迟早将会逆转。但如果非积极政策导致通胀率剧烈波动，它们也可能会造成金融动荡和财富分配不公。因此，对于各国央行而言，通过调整利率，将通胀预期稳定在一个理想的水平上通常是最佳做法，哪怕有时候需要有力的政策行动。然而，要想让任何此类政策令人信赖并获得成功，都需要一个前提条件，央行必须采取对称性行动。当经济复苏、通胀压力上升时，央行必须同样有力地上调利率。因此，如果你认为现在应该是负利率的话，那么你也应该承认，几年之后，利率可能会升至很高的正值。虽然我本人完全信任瑞典央行，但我怀疑其他所有央行是否有这个勇气。二、甲公司持有一张由乙公司出票、经丙公司背书转让获得的银行承兑汇票。在该汇票到期后，甲

50、公司向承兑银行提示付款时遭到拒绝，承兑银行拒付的理由是：该汇票上银行的签章是伪造的，该银行并未承兑过这张汇票。甲公司于是向丙、乙公司进行追索，丙公司声称该汇票是乙公司某业务员给付的，并经乙公司背书转让取得，伪造签章的责任应由乙公司承担与其无关。乙公司则答复说，该汇票出票及背书转让都是其一业务员伪造公司签章所为，应由司法机关追究该业务员的责任，与乙公司无关。经公安机关调查，发现乙公司公章使用管理混乱，使其业务员有伪造签章的可乘之机。问：1什么是票据的伪造?(2 分)2对于伪造的汇票，承兑银行要不要承担票据责任?(2 分)3乙公司和其业务员分别要承担什么责任?(2 分)4丙公司的背书行为是否有效，