天津市2023年银行招聘之银行招聘综合知识能力提升试卷B卷附答案.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能力提年银行招聘之银行招聘综合知识能力提升试卷升试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、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.

2、Its a shame if you check your email all the timeB.The employees are willing to leave work at the end day of theworkdayC.The employees are expected to answer emails although its notworking timeD.Work email is the essential part in workers daily life【答案】C2、She can do it herself;it is（）easy（）ABC.A.rath

3、er.thanB.more.thanC.not as much.asD.as.as【答案】D3、资料：International Federation for Scientific ResearchA.To invite a researcher to speak at a conventionB.To recommend an academic articleC.To encourage a member to attend a conferenceD.To ask a scientist to post research data to a Web site【答案】C4、资料：Early

4、ExperiencesA.The nearest customersB.The virtual customersC.People that pretend to be customersD.The VIPs【答案】C5、During her junior year of high school,Diane Rays teacher handedher a worksheet and instructed the 17-year-old to map out her futurefinancial life.Ray pretended to buy a car,rent an apartmen

5、t,and applyfor a credit card.Then,she and her classmates played thestock marketgame,investing the hypothetical earnings from their hypotheticaljobs in the market in the disastrous fall of 2008.Our pretendinvestments crashed,Ray says,still frightened.We got to know how itfelt to lose money.A.By givin

6、g examplesB.By providing dataC.By raising questionsD.By making comparisons【答案】A6、关于管理幅度与管理层次的说法，正确的是（）。A.管理幅度指的是组织结构的纵向复杂程度B.管理层次与管理幅度在数量上成正比关系C.管理层次的多少代表组织结构的横向复杂程度D.管理幅度与管理层次是相互制约的【答案】D7、资料：When we see well，we do not think about our eyes very often.It is only when we cannot see perfectly that we r

7、ealize how importantour eyes are.A.a difficulty that can be corrected by an operationB.eyes that are not exactly the right shapeC.an eye difficulty that cannot be corrected by glassesD.one eye bigger than the other【答案】B8、资料：Being financially secure in retirement just doesnt happenmagically.It takes

8、lots of planning,time and savings.A.More than half of people dont have enough finances for retirementB.quarter of people dont take part in their companys retirementplanC.No one can be financially secure in retirementD.The average person will spend 20 years in retirement【答案】C9、资料：Changing careers is

9、becoming more popular.Not just becausethere are more career options available,but also out of necessity.As new industries arise,others die.Its up to you to figure out ifyour career is still going to be around in the next 5-10 years.Somestudies say we could have as many as nine careers in our profess

10、ionallifetime.Which begs the question:do you know what it takes tosuccessfully change career lanes repeatedly?A.You need to be consistent in your careerB.Changing career lanes efficiently and effectively needs more effortC.It will be hard for you to change career lanes efficiently andeffectivelyD.Yo

11、u will change career lanes easily【答案】C10、90 年来经过数代考古工作者的不懈努力，三星堆考古取得了举世瞩目的成就。三星堆的发现与发掘深刻影响了巴蜀考古和巴蜀文化研究，并与四川及中国考古事业的发展息息相关。同时，三星堆遗址被称为 20 世纪人类最伟大的考古发现之一，昭示了长江流域与黄河流域一样，同属中华文明的母体。A.三星堆是人类最伟大考古发现之一。B.三星堆考古的重大意义。C.考古工作者的工作虽然枯燥，但意义最大。D.长江流域与黄河流域同样是中华文明的发源地【答案】B11、目前我国票据贴现业务的主要票据是（）。A.支票B.银行本票C.商业承兑汇票D.银行

12、承兑汇票【答案】D12、生产成本上升会使得商品供给量（）。A.下降B.上升C.不变D.均有可能【答案】A13、Passage 8A.The loans are expected to help seniors stay in their homesB.The loans are driving all seniors out of their homesC.The reverse mortgage only welcomes seniorsD.any seniors can apply for reverse mortgage【答案】A14、如果收入分配不均等,洛伦茨曲线会（）。A.越直B.越

13、弯曲C.越小D.越长【答案】B15、Paper-markingis_of ancient China.A.one of greatest inventorB.one of the greatest inventorsC.one of greatest inventionD.one of the greatest inventions【答案】D16、_ the brains working is a tremendous challenge and,judging by the advance of current processor power and complexity,will take

14、 at least several decades more to reach even the mostelementary levels.A.IncreasingB.ImitatingC.ObservingD.Speculating【答案】B17、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was nearly

15、impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for admission（录取）to medical schools,she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.was the fi

16、rst woman doctorB.and several other women founded the first hospital for womenchildrenC.became the first woman physicianD.set up the first medical school for women【答案】A18、Under no circumstances_without looking carefully to the rear.A.should one back up a motor vehicleB.a motor vehicle should back up

17、C.one should back up a motor vehicleD.should back up a motor vehicle【答案】A19、下列各项中，不应确认为应付职工薪酬科目来核算的有（）。A.利润分享计划B.社会保险费和辞退福利C.职工工资和福利费D.差旅费【答案】D20、Dated back to the middle of 16 century,Wales in Great Briton madea educational policy that free,tax-supported schools must beestablished in every town（）10

18、0 households or more.A.havingB.to haveC.to have hadD.having had【答案】A21、资料：Did your childs brain shrink last summer?Probably not,but it may have shifted into reverse,according to a study by Dr.Harris Cooper,professor of psychology at the University of Missouri-Columbia.The study found that when stude

19、nts return to school after along summer vacation,theyve lost one to three months worth oflearning.A.Because the community have the librariesB.Because at home the parents will make kids reading moreC.Because in summer vacation kids have more time in readingD.Because community and home give kids more

20、opportunities to read【答案】D22、During her junior year of high school,Diane Rays teacher handedher a worksheet and instructed the 17-year-old to map out her futurefinancial life.Ray pretended to buy a car,rent an apartment,and applyfor a credit card.Then,she and her classmates played thestock marketgam

21、e,investing the hypothetical earnings from their hypotheticaljobs in the market in the disastrous fall of 2008.Our pretendinvestments crashed,Ray says,still frightened.We got to know how itfelt to lose money.A.better studentslearning methodsB.prevent students going into debtC.help students get accep

22、ted by collegesD.make students become very wealthy【答案】B23、资料：Asked to name their favorite city,many Americans wouldselect San Francisco which began as a small Spanish outpost locatedon a magnificent bay.The town was little more than a village servingranchers when the United States took possession of

23、 it in 1846 duringthe war with Mexico.A.heavy industryB.governmental headquartersC.gold miningD.trade and tourism【答案】D24、It is very important that the text is neither too detailed _too complex for the intended readers.A.norB.orC.noD.not【答案】A25、一般而言，银行最主要的资产业务是（）。A.存款B.贷款C.证券投资D.固定资产【答案】B26、资料：What a

24、ttracts customers?Obviously the quality of a productdoes,but visual images contribute a great deal.It is not only theimage provided by the packaging that counts but the whole corporateidentity of the company.A.the examples of logos which are emotive and can inspire loyaltyB.the examples of giving pe

25、ople idea of the products by using theimagesC.the examples of logos which fit in with contemporary designD.None of above【答案】A27、材料二：2018 年上半年，我国经常账户逆差 1801 亿元，资本和金融账户顺差 4247 亿元，其中，非储备性质的金融账户顺差 7451 亿元，储备资产增加3192 亿元。A.国际收支平衡按单式薄记原理编制B.国际收支平衡表表上的数据是“存量”而非“流量”C.国际收支平衡表是某一时点的统计报表D.国际收支平衡表记录了一国或地区在一定时期的国

26、际收支情况【答案】D28、Only when humanity began to get its food in a more（）way wasthere time for other things,like sports games and entertainmentactivities.A.predictiveB.provocativeC.protectiveD.productive【答案】D29、2018 年 3 月 11 日，十三届全国人大一次会议表决通过了中华人民共和国宪法修正案。关于本次宪法修正案下列说法错误的是（）A.我国现行宪法是“八二宪法”，目前经历了 5 次修改B.社会主义

27、民族关系的表述中增加了“和谐”C.宪法修正案规定监察委员会委员长由全国人大选举产生D.宪法修正案规定县级市有权制定地方性法规【答案】D30、Theres been a lot of contention in the last couple of weeksabout the future_of the company.A.directionB.decisionC.conditionD.orentation【答案】A31、物价上涨率和失业率是成（）。A.有联系但不确定B.正相关C.负相关D.无相关【答案】C32、乙遭车祸昏迷在路上，甲途经发现后雇计程车将乙送往医院，并帮其支付医药费，在救助过程

28、中，甲的名牌衣服因染有乙的血渍而不能使用，同时乙的贵重手表遗落在事故地点，甲因疏忽而未能发现。下列说法中不正确的是（）。A.甲应赔偿乙手表遗失的损失B.乙应偿付甲雇用计程车的费用C.乙应偿付甲帮其支付的医药费D.乙应赔偿甲衣服不能使用的损失【答案】A33、企业支付的产品广告费，应通过（）账簿反映。A.序时B.备查C.数量金额D.分类【答案】B34、资料：We all know that lack of sleep affects our memory alongwith other cognitive abilities.Sitting in the office sleep deprives

29、its difficult to remember your own name,let along the ever-lengthening to-do list.A.The memory distortionB.The amount of sleepC.The short-term memoryD.The ability to recall long list【答案】B35、资料：THOMAS WILSONA.updateB.fixC.innovateD.furnish【答案】B36、“只要有信心，黄土变成金”所蕴含的的哲理是（）。A.意识对物质具有能动的反作用B.意识活动本身可以改变客体C

30、.人们的精神活动依赖于物质活动D.社会意识决定社会存在【答案】A37、资本主义地租的本质是（）。A.土地所有者占有的农业平均利润B.农业资本家在租期内投资的利息C.农业工人创造的超过平均利润以上的那部分剩余价值D.土地所有者无偿占有的农业工人创造的全部剩余价值【答案】C38、Passage 1A.pay off all her debtsB.handle her money betterC.find a job in a bankD.manage the family income【答案】B39、How often _ your teeth examined?A.are you havingB

31、.do you haveC.have you getD.you have【答案】B40、所有的公文中，（）最具权威性和强制性。A.决定B.命令C.规定D.决议【答案】B41、（）会增加失业。A.退休工人的数量增加B.退休劳动力队伍的人数增加C.离开学校找工作的人数增加D.离开工作上学的人数增加【答案】C42、上海世博会中国馆由国家馆和地区馆组成。国家馆为“天”，富有雕塑感的造型主体“东方之冠”高耸其间，形成开场屹立之势；地区馆为“地”，如同基座般延展于国家馆之下，形成浑厚依托之态。这表明（）。A.创新是继承与发展的统一B.建筑艺术对建筑业有重大的指导作用C.人的认识来源于客观，灵感来源于主观D

32、.人们可以根据自己的需要创造出新的设想【答案】A43、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.Its a shame if you check your email all the timeB.The employees

33、are willing to leave work at the end day of theworkdayC.The employees are expected to answer emails although its notworking timeD.Work email is the essential part in workers daily life【答案】C44、新文化运动兴起的标志是（)。A.李大钊发表庶民的胜利B.“兼容并包”方针的提出C.陈独秀在上海创办新青年D.鲁迅发表狂人日记【答案】C45、物体的惯性与(）有关。A.速度B.加速度C.质量D.运动状态【答案】C46、

34、资料：packing tipsA.Rush out to the baggage carouselB.Use a grey suitcaseC.Head to the Lost&FoundD.Mark with a brightly colored string【答案】D47、资料：Western business visitors are often deadline-driven andunwilling to slow down to the Chinese pace when discussing business.But in China the pace can be fast a

35、nd slow simultaneously.A.Chinese business philosophyB.Chinas business cultureC.Doing business in ChinaD.Guanxi in China【答案】B48、()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.重置成本B.公允价值C.历史成本D.可变现价值【答案】A49、资料：Good listening is much more than being silent while theother person talks.To the contrary,people p

36、erceive 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 sure evidence that a person is listening,but asking a good question te

37、lls 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”interaction.The best conversations were active.A.How to become a go

38、od collaboratorB.How to train your audienceC.What makes listening attractive?D.What do good listeners do?【答案】D50、资料：Taikong City was founded by the dormuns about 50 AD.Itsname is derived from a Cethic worldwhich means the piece of the boldone.After they invaded Bliton in 43 AD the Dormons built a br

39、idgeacross the Themas River.They later decided it was an excellent placeto built a port.The water was deep enough for ocean going ships butit was far enough inland to be safe from other raiders.Around 50 ADDormons merchants built a town by the bridge.So Taikong City was born.A.The history of Taikong

40、 CityB.The stone wall was around Taikong CityC.The origination of Taikong City,s nameD.rebellion against the Dormans【答案】A多选题（共多选题（共 2020 题）题）1、对于债券利率的风险结构，描述正确的有（）。A.债券违约风险越大，利率越高B.债券违约风险越大，利率越低C.债券流动性越好，利率越高D.债券流动性越好，利率越低E.税收对债券利率高低没有影响【答案】AD2、下列（）不是流动性偏好理论的基本观点。A.利率期限结构取决于短期资金市场供求状况与长期资金市场供求状况的比较B

41、.市场效率低下导致资金从长期（或短期）市场向短期（或长期）市场流动可能存在障碍C.投资者在接受长期债券时会要求对他承受的与债券较长偿还期限相联系的风险给予 补偿D.利率期限结构完全取决于对未来利率的市场预测【答案】ABD3、下列说法中正确的是（）。A.私人物品的市场需求曲线是个人需求曲线的水平方向求和B.公共物品的市场需求曲线是个人需求曲线的纵向求和C.公共物品的市场需求曲线表明在一定价格下的市场需求是该价格下每个消费者需求 数量的和D.私人物品的市场需求曲线表明市场为一定数量的公共物品支付的货币量是市场上每 个消费者为这些公共物品支付的货币量之和【答案】AB4、关于工作特征模型的说法，正确的

42、有（）。A.职位的核心特征影响了员工意义性体验、责任体验以及对结果的了解B.自主性主要是使员工了解工作的意义C.反馈使员工了解工作的成果D.当职位的核心特征很强时，个人就会收到较高水平的内在工作激励E.高水平的内在工作激励会带来较高的工作满意度【答案】ACD5、下列说法中正确的有（）。A.会计报表附注披露是基于会计报表之外的一种重要信息披露方式B.会计报表附注是基于表内项目的、对表内项目的有益补充C.会计报表附注的存在使得会计报表披露信息更加完整、更易于理解、信息的价值更高D.会计报表附注披露增加了工作量，不符合成本效益原则【答案】ABC6、依照民事诉讼法的相关规定，人民法院在审理（）时，不得

43、适用简易程序。A.李某诉陈某赔偿 150 元的侵权纠纷案件B.齐某诉李某借款纠纷案件发回重审案C.张某诉新天开发公司侵犯其专利权纠纷案D.赵某诉下落不明的刘某返还 1000 元借款案【答案】BCD7、以下（）业务必须到开户银行网点办理。A.存折类储蓄存款的销户B.个人通知存款的预约、支取C.定期储蓄存款的部分提前支取D.口头挂失【答案】ABC8、下列关于中央银行持有证券并进行买卖目的的说法中，正确的有（）。A.投放基础货币B.回笼基础货币C.调节货币供应量D.盈利【答案】ABC9、关于战略性人力资源管理产生的背景的说法，错误的有（）。A.战略性人力资源管理始于 20 世纪 80 年代B.闵斯特

44、伯格的工业心理学研究标志着战略性人力资源管理的开端C.战略性人力资源管理要解决的问题是解释人力资源管理如何对组织产生贡献D.战略性人力资源管理的理论基础是人际关系学说E.战略性人力资源管理的方法是使人力资源管理与组织的战略相分离【答案】BD10、按金融创新的内容划分，金融创新可以分为（）等类型。A.金融工具B.金融风险C.金融制度D.金融业务【答案】ACD11、为缓解中小企业融资难的问题,某地方政府积极向金融机构推荐业绩优、成长好的小企 业,解决了金融机构向小企业贷款过程中的信息不对称问题，实现了银行与小企业的互利 双贏。这说明政府（）。A.为企业筹集资金、参与经营管理B.进行经济调节和公共服

45、务C.树立了求真务实的工作作风D.便民利民、执政为民【答案】BC12、以下属于商业银行资金运用的有（）。A.自有资本B.库存现金C.证券投资D.贴现E.贷款【答案】BCD13、一个网络可以由两台计算机组成，也可以由在同一大楼里面的上千台计算机组成。我们通常把这样的网络称为局域网(LAN)，由 LAN 再延伸出去形成更大的范围，比如整个城市，这样的网络我们称之为广域网(WAN)。一个计算机网络的主要组成部分包括（）。A.计算机网络设备开发工具B.一个通信子网、一系列通信协议C.若干主机和终端D.数据库、文件服务器【答案】BC14、下列属于保管 15 年的会计档案有()。A.会计主管人员移交清册(

46、单)B.系统内往来、联行往来及同业往来的核算资料、对账回单及查询、查复书C.会计凭证(传票及附件)D.综合核算和明细核算的各种账、簿、卡【答案】CD15、会计科目按其核算详细程度不同，可以分为（）。A.总分类科目B.子目C.资产类科目D.明细科目【答案】ABD16、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】BC17、下列关于网桥和交换机的说法，正确的是（）。A.网桥在网络层完成数据帧接收、转发与地址过滤功能，用于实现多个局域网之

47、间的数据交换B.网桥转发数据的依据是 MAC 地址表C.交换机以软件方式实现多个端口的并发连接D.网桥的端口以共享存储空间方式来连接【答案】BD18、犯罪的主观方面包括（）。A.犯意表示B.犯罪的故意C.犯罪的过失D.犯罪的主体【答案】BC19、关于工作分析的说法，错误的是（）。A.工作分析为薪酬体系的设计提供直接支持B.工作分析的成果文件可以为员工培训提供信息支持和指导C.工作分析在员工职业生涯中没有作用D.工作分析应以工作评价为基础【答案】ACD20、政策性银行与商业银行的共同点有（）。A.充当信用中介的金融机构B.是资金活动的中枢神经C.以营利为主要目的D.资金来源于政府支持【答案】AB

48、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

49、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

50、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、请将下面错误的地方改正过来。关于你校设立新材料研究中心的请示克格县职业学校：你校克格职发20039 号克格县职业学校关于设立新材料研究中心的请示以及克职发200315 号文收悉，经研究讨论，兹批复如下：(一)不同意在你校设立新材料研究中心，其理由恕不详述。(二)目前可在你校先行设立新材料研究室。(三)拟原则同意在你校修建新材料检测实验楼，有关具体事宜待专门批复。专此函复。【答案】(1)标题应居中。(2)