天津市2023年银行招聘之银行招聘综合知识押题练习试题B卷含答案.doc

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1、天津市天津市 20232023 年银行招聘之银行招聘综合知识押题练年银行招聘之银行招聘综合知识押题练习试题习试题 B B 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、Passage 8A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing【答案】B2、It is not hard to read Arya,because she（）blushes withembarrassme

2、nt when she has a terrible conversation with others.A.habituallyB.habitC.habitsD.habitual【答案】A3、巴黎圣母院的作者是（）。A.大仲马B.小仲马C.雨果D.福楼拜【答案】C4、资料：Good listening is much more than being silent while theother person talks.To the contrary,people perceive the bestlisteners to be those who periodically ask questi

3、ons that promotediscovery and insight.These questions gently challenge oldassumptions,but do so in a constructive way.Sitting there silentlynodding does not provide sure evidence that a person is listening,but asking a good question tells the speaker the listener has notonly heard what was said,but

4、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”interaction.The best conversations were active.A.Those who periodically ask questions want to take charge of theconversationB.If you

5、 give critical opinions,the speaker will be less confidentC.Good listeners should agree with the speakerD.If the speaker creates a comfortable environment,listeners willbecome confident【答案】B5、In Western Australia，there are around 450 aircraft maintenanceengineers，most of_work in the Perth metropolit

6、an area.A.themB.whomC.whichD.they【答案】B6、在民事诉讼时效斯间的最后 6 个月内，权利人因不可抗力或者其他障碍不能行使请求的,诉讼时效（）。A.中断B.中止C.延长D.终止【答案】B7、计算机的硬件主要包括中央处理器(CPU)、输入设备、输出设备和（）。A.键盘B.鼠标C.存储器D.显示器【答案】C8、资料：Demystifying how social and human-like robots work is vitalso that we can understand and shape how they will affect our future,

7、Dr Hatice Gunes will tell the Hay Festival next week.(1)A.To enable robots to serve humansB.To decrease humans fear about robotsC.To make robots more human-likeD.To equip robots with human emotions【答案】C9、资料：Now you are preparing a report for the business negotiationwhich will be held next Friday.A.A

8、B.BC.CD.D【答案】D10、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】A11、M2 又称为广义货币供给量，是判断宏观信用松紧环境的常用指标，在各国有不同的统计口径。根据中国人民银行的规定，以下不属于 M2 的是（）。A.活期存款B.流通中现金C.银行准备金D.定期存款【答案】C12、通货紧缩的成因不包括（）。A.生产能力过剩B.货币供应量急剧减少C.政府紧缩财政政策D.社

9、会总需求的过度增长【答案】D13、按照目前近代物理研究的最新成果，物质的最小的构成单位是(）。A.质子B.中子C.纳米D.夸克【答案】D14、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shame！）on a Friday and simply notcheck your work email again until you return the office during normalworking hours。A.Bosses push employee

10、s to work by sending emails anytimeB.Employees are exhausted by the constant need to check emailsC.Companies mean to stress the workers out by sending emailsD.None of above【答案】B15、鼓励冒险和革新的组织文化称为（）组织文化。A.学院型B.俱乐部型C.棒球队型D.堡垒型【答案】C16、资料：In the United States of America,banks are categorized intothe fede

11、rally-chartered bank which received their charter from theOffice of the Comptroller of the Currency（OCC）;these are referredto as“National Banks”;and also the states-chartered banks whichreceive their charter from the superintendent to as“State Banks”.Banks are allowed to register either with the fed

12、eral or the stateauthority.Let us now look at the organizational structure ofCommercial Banks,which include unit banking,group banking andbranch banking.A.The Fed banks,the State banking and group bankingB.The Fed banking,the state banking and group bankingC.Unit banking,group banking and branch ban

13、kingD.Specialized banks,group banking and unit banking【答案】C17、资料：Why is Salt Bad for You?A.salt consumption leads to a strokeB.sodium excreted in urine is a measure of salt intakeC.an increase in blood pressure causes an increase in saltconsumptionD.the higher the sodium in urine,the greater the cha

14、nce ofhypertension【答案】D18、资料：A new Chinese-led international development bank announcedits first four loans on Saturday,pledging to lend$509 million forprojects to spread electric power in rural Bangladesh,upgrade livingconditions in slums in Indonesia,and improve roads in Pakistan andTajikistan.At

15、the first of the annual general meetings of ininstitution,the Asian Infrastructure Investment Bank,the bankspresident,Jin Liqun,said the projects were financially sound andenvironmentally friendly and had been accepted by the people in theproject areas.A.The project will only improve road in Tajikis

16、tan by three miles butit will do great helpB.Local people welcome the projectsC.The Asian Infrastructure Investment Bank can start the projectsquickly with the finance of other institutionsD.The project in Bangladesh is also financed with other institutions【答案】D19、Exce1 中，将两个字符串连接起来的运算符是（）。A.$B.+C.D

17、.一【答案】C20、资料：之后，经济学家 Mr.X 展望了中欧之间的商业机遇，请根据下列资料回答问题。A.Hiring a local agent or 3PQ is most convenientB.Agents charge high pricesC.One should inspect the factories personallyD.Visiting a factory requires applications【答案】A21、资料：For the development of Crunchy Nut（a product）,K companyhas used various meth

18、ods of primary data collection.Primary marketdata may involve qualitative research or quantitative research.Qualitative data is connected more about opinions,feelings andattitudes.Quantitative data is in numerical form and is usuallygathered from a large sample of respondents.A.The development of Cr

19、unchy NutB.K Companys production lineC.Qualitative data collectionD.Two approaches to data collection【答案】D22、根据国现行宪法规定,我国实行由（）负责保障宪法实施的体制。A.司法机关B.立法机关C.专门机关D.行政机关【答案】B23、资料：Good listening is much more than being silent while theother person talks.To the contrary,people perceive the bestlisteners to

20、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 sure evidence that a person is listening,but asking a good question tells the speaker the listener

21、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”interaction.The best conversations were active.A.How to become a good collaboratorB.How to train

22、 your audienceC.What makes listening attractive?D.What do good listeners do?【答案】D24、In 17th-century England,astronomy provided methods ofkeeping_of time that were especially useful for accuratenavigation.A.investigateB.traceC.checkD.track【答案】D25、资料：People differ greatly in their readiness to try new

23、products.In each product area，there are“consumption pioneers”andearly adopters.Other individuals adopt new products much later.After a slow start，an increasing number of people adopt the newproduct.A.Early adoptersB.InnovatorsC.The early majorityD.All above【答案】D26、If English means endless new words，

24、difficult grammar andsometimes strange pronunciation，you are wrong.Havent you noticedthat you have become smarter since you started to learn a language?A.say language is also a kind of physical laborB.make people believe language learning helps grey matter work wellC.show the importance of using the

25、 language when you learn thelanguageD.prove that one needs more practice when he（she）is learning alanguage【答案】B27、Whats corrosion？Its a chemical_in which metal istransformed into salt and oxides.A.reactB.actionC.reactionD.response【答案】C28、下列期货产品中，不属于金融期货的是（）。A.货币期货B.股指期货C.利率期货D.黄金期货【答案】D29、资料：Global

26、business travel topped$1.2 trillion and is expectedto reach$1.6 trillion by 2020,according to new research by theGlobal Business Travel Association（GBTA）,an associationrepresenting the interests of corporate travel managers.Whats moreChina has now surpassed the U.S.as the largest business travelmark

27、et in the world,ringing up$291 billion last year.A.Airbnb service in usage doubled in recent fiscal yearB.Businessmen cut cost by using Airbnb serviceC.Sharing economic is about to take the leadD.Airbnb succeeds in competing with traditional accommodationchannels to attract longer stays【答案】D30、（1）电报

28、、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？A.新技术对于成年人来说并不需要B.孩子的好奇心比成年人大C.成年人总是会担心末知因素对下一代的影响D.新技术大多都是针对下一代人而推出的【答案】D31、买卖双方分别承诺在将来某一特定时间按照事先确定的价格，购买和提供某种商品。这种金融衍生工具是（）。A.远期合约B.期权合约C.票据发行便利D.互换交易【答案】A32、Passage 3A.They have to cancel their vacati

29、ons in New EnglandB.They find it unaffordable to dine in mom-and-pop restaurantsC.They have to spend more money when buying imported goodsD.They might lose their jobs due to potential economic problems【答案】C33、Passage 1A.better studentslearning methodsB.prevent students going into debtC.help students

30、 get accepted by collegesD.make students become very wealthy【答案】B34、Passage 8A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing【答案】B35、（）to playing games recently，he is easy to feel sleepy inclass.A.AddictedB.AddictingC.H

31、aving addictedD.To addict【答案】A36、Just because Im（）to him,my boss thinks he can order mearound without showing me any respect.A.redundantB.versatileC.trivialD.subordinate【答案】D37、“Now you（）foolish,lady Anne,”complained Joan in theslightly joking way.A.are beingB.beingC.areD.were being【答案】A38、关于蓝牙，以下说法

32、错误的是（）。A.蓝牙可以让支持蓝牙的设备自动上网B.蓝牙是无线数据和语言传输的开放式标准C.蓝牙协议能使包括智能手机、笔记本电脑、蓝牙鼠标等设备之间进行信息交换D.蓝牙的有效传输距离是 10 米左右【答案】A39、计算机病毒是指（）。A.带细菌的磁盘B.已损坏的磁盘C.具有破坏性的特制程序D.被破坏的程序【答案】C40、衡量一个社会生产力发展水平的客观尺度是（）。A.生产工具B.劳动者素质C.科学技术D.管理水平【答案】A41、Her speech was _,that is to say,we _ her speech.A.impressive;were impressing byB.im

33、pressed;were impressed atC.impressive;were impressed withD.impressing;were impressing at【答案】C42、Why didnt you join us last night?A.watchedB.would watchC.was watchingD.had watched【答案】C43、The companys profits are（）to hit their peak in the nextquarter mainly due to the release of its new line of clothi

34、ng.A.forecastB.forecastingC.to forecastD.will forecast【答案】A44、And that quest has brought_benefits that improve our livesin countless ways.A.tangibleB.displayedC.conditionalD.proved【答案】A45、资料：Happy wood sprites knows the way to Fenghuang city.A.DancesB.PoetryC.PaintingsD.Music【答案】D46、资料：2014 has been

35、 a landmark year for Alibaba.Just last week,the Chinese e-commerce juggernaut set a world-record selling US$9.3Billion worth of goods in 24 hours on Singles Day.A few months back,Alibaba claimed the title of the worlds biggest IPO,raising US$25Billion on the NYSE.Things will only get bigger for Alib

36、aba.A.It is the largest online payment service provider in ChinaB.It has sold more than US$9 Billion worth of goods in 24 hours onSingles DayC.It has a strong social responsibilityD.It is the worlds biggest IPO【答案】C47、（）their existing problems,great improvements were made in thecountrys literacy rat

37、es and health care system.A.But forB.For allC.Above allD.Except for【答案】B48、某人是“80”后，今年他的年验不超过 40，且年龄比出生年份各数字和还要大 16，则他的出生年份不可能是（）。A.1985B.1980C.1987D.1982【答案】C49、下列哪家机构不属于我国成立的金融资产管理公司？（）A.东方B.信达C.华融D.均不符合题意【答案】D50、下列不属于银行流动负债的是()。A.向中央银行借款B.同业拆入C.系统内款项存放D.发行的银行次级债券【答案】D多选题（共多选题（共 2020 题）题）1、与股票筹资方式

38、相比，银行借款筹资的优点包括（）。A.筹资速度快B.借款弹性大C.使用限制少D.筹资费用低【答案】ABD2、巴金的“爱情三部曲”包括的作品是（）。A.雾B.雨C.火D.电【答案】ABD3、会计凭证以其格式可分为()。A.一次凭证B.专用凭证C.通用凭证D.累计凭证【答案】BC4、下列哪些会影响长期经济增长率？（）A.增加货币供给量B.引进国外先进技术C.二胎政策的放开D.增加自主创新研发的投入【答案】BCD5、在经济萧条时。财政可以通过（）来扩大需求，刺激经济发展。A.减少福利补贴支出B.降低税率C.增加政府采购D.提高财政补贴【答案】BCD6、商业银行个人理财业务包括（）。A.财务分析B.财

39、务规划C.投资顾问D.资产管理【答案】ABCD7、一份公文的正文分为（）部分。A.标题B.文头C.文尾D.主体【答案】BCD8、根据不同的存取方式，定期存款可以分为（）。A.存本取息B.整存零取C.协定存款D.整存整取E.零存整取【答案】ABD9、银行会计中，根据其所提供信息的详细程度及其统驭关系，会计账户可以分为()。A.二级账户B.明细分类账户C.总分类账户D.一级账户【答案】BC10、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

40、案】BC11、按照商业银行法的规定，商业银行投资业务禁止（）。A.从事企业债券B.向企业投资C.向非银行机构投资D.从事股票投资【答案】ABCD12、中央银行增加货币供应量时，采取的下列政策中错误的有（）。A.公开市场卖出证券B.降低法定存款准备金率C.提髙再贴现率D.降低再贷款利率【答案】AC13、下列关于投资基金的说法，正确的有（）。A.是一种集合投资方式B.体现了一种股权关系C.投资对象包含金融衍生品D.是一种间接投资工具【答案】ACD14、某公司赊销积压的原材料一批，增值税专用发票上注明售价 20000 元，增值税税额 3400 元，下列会计分录中，错误的有（）。A.借：应收账款 23

41、400 贷：主营业务收入 20000 应交税费应交增值税（销项税额）3400B.借:银行存款 23400 贷：主营业务收入 20000 应交税费应交增值税（销项税额）3400C.借：应收账款 23400 贷：其他业务收入 20000 应交税费应交增值税（销项税额）3400D.借：应收账款 23400 贷：其他业务收入 23400【答案】ABD15、证券价格越高，则意味着（）。A.利息率越高B.人们处于投机动机持有的货币数量越少C.利息率越低D.人们处于投机动机持有的货币数量越多【答案】CD16、按照账页格式的不同，会计账簿分为（）。A.两栏式账簿B.三栏式账簿C.数量金额式账簿D.多栏式账簿【

42、答案】ABCD17、我国刑法规定的基本原则包括（）。A.罪刑法定原则B.刑法面前人人平等原则C.以事实为根据，以法律为准绳原则D.罪责刑相适应原则【答案】ABD18、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，回答下列问题：A.上调存款准备金率B.公开市场卖出业务C.直接提高利率D.降低再贴现率【答案】ABC19、下列属于银监会的监管理念的有（）。A.管风险B.提高透明度C.管机构D.管法人

43、【答案】ABD20、企业在编制资产负债表时，“货币资金”项目应按照（）金额的合计数填列。A.库存现金B.银行存款C.其他应收款D.其他货币资金【答案】ABD大题（共大题（共 1010 题）题）一、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

44、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，理由为何?(4 分)【答案】1.票据的伪造指无权限人假冒他人或虚构他人名义，在票据上签章的行为。行为人变造他人留存在票据上的签章属于伪造票据的行为。2若该汇票上银行承兑签章是伪造的(对此该银行应负举证责任)，承兑银行无须负票据承兑责任，该银行以票据瑕疵抗辩拒付是合法的。3乙公司因对其签章被伪造存在疏于管理的过错，应向甲公

45、司承担民事赔偿责任。其业务员由于在伪造票据上并无个人的签章，故一般不负票据责任，但由于他伪造票据签章，应依票据法和刑法相关规定承担刑事责任，并对其他票据当事人因此所受的经济损失承担民事赔偿责任。4丙公司的背书行为有效。依票据行为的独立性，票据上有伪造、变造的签章的，不影响票据上其他真实签章的效力，故丙公司作为真实签章人应依票据文义承担票据责任。二、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

46、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

47、 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

48、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，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

49、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。三、请仔细阅读以下材料：在“建设资源节约型、环境友好型社会”的专题学习中，某中学 5 名同学围绕“废旧电池回收和处理的现状与对策”课题。组成探究小组。他们利用课余时间，通过问卷、走访、查阅文献、上网等方法对废旧电池回收和处理现状进行了调查。同学们发现：第一，废旧电池会污染环境，1 节一号电池烂在地里，会使 1 平方米的土壤永久污染；1 粒纽扣电池可使600 吨水无法饮用，相当于 1 个人一生的饮水量。第二，中国每年消耗电池 70多亿只。中学生使用随身听、复读机、电子词典等，是电池消耗大户，人均年消耗电池 50 节以上。同学们

50、了解到，第一，目前废旧电池回收率不到 2。有近八成的人认为废旧电池回收活动“与自己无关”或“没时间参加”，有 87的人将废旧电池与生活垃圾一起丢弃。第二，目前收集来的废旧电池主要由环保部门集中填埋，但填埋并不能彻底控制废旧电池的污染。同学们还了解到，提取废旧电池中的有用材料加以再利用，不仅符合我国节约资源和保护环境的基本国策，而且有可观的经济效益。据估算，处理 10 万只废旧电池，可获利 2万元左右。但企业对处理废旧电池没有积极性。因为，进 13 处理废 113 电池的机器价格昂贵。并且，一台机器每日可处理几吨废旧电池，本地的废旧电池不够它“吃”几天，导致生产能力闲置，亏本运营。假如你现在加入