河南省2023年银行招聘之银行招聘综合知识自我检测试卷A卷附答案.doc

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1、河南省河南省 20232023 年银行招聘之银行招聘综合知识自我检年银行招聘之银行招聘综合知识自我检测试卷测试卷 A A 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、下列句子中语序排列最连贯的一项是（）。A.（4）（1）（3）（5）（2）B.（1）（4）（3）（5）（2）C.（1）（5）（2）（4）（3）D.（4）（3）（5）（2）（1）【答案】B2、The companys profits are（）to hit their peak in the nextquarter mainly due to the release of its new line of clothin

2、g.A.forecastB.forecastingC.to forecastD.will forecast【答案】A3、Passage 1A.It is based on questionable statisticsB.It reflects the economic changesC.It evidences the improved-welfareD.It provides much food for thought【答案】A4、资料：Western business visitors are often deadline-driven andunwilling to slow down

3、 to the Chinese pace when discussing business.But in China the pace can be fast and slow simultaneously.A.arrange schedule according to the deadlineB.drive according to the deadlineC.afraid of the deadlineD.procrastinative【答案】A5、资料：Its easy to trace the evolution of the automobile.Atmost，were only t

4、alking 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-powered ancestors.A.Morpholoical and genetic studies helped scientists to trace unkn

5、owncommon ancestor of chimps and humans existedB.Morphological and genetic studies determined exact species ofcommon ancestor of chimps and humans existedC.Genetic studies found hominid fossils to bridge the evolutionaryprogression from unknown common ancestor to modern humansD.Morphological studies

6、 helped finding the famous East Africanfossils and set up an milestone in this field【答案】C6、资料：Italys next government,a coalition between thepopulistFive Star Movement and the far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to l

7、eave the euro or ask theEuropean Central Bank to forgive 250bn（$292bn）of Italian debt.But less attention has been paid to what it might mean for Italianbanks,and in particular for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any co

8、untry 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 to forgive its debtD.Investors can trade in NPLs across 11 European countries【答案】B7、CFCs were ban

9、ned when world leaders signed _called theMontreal Protocol in 1987.A.a contactB.contactC.agreementD.an agreement【答案】D8、根据我国法律规定，对于两个以上的申请人分别就同样的发明创造申请专利的，实行的原 则为（）。A.使用在先B.完成在先C.申请在先D.按照本人的技术职称高低【答案】C9、资料：The societal marketing concept questions whether the puremarketing concept overlooks possible c

10、onflicts between consumersshort-run wants and consumer long-run welfare.Is a firm thatsatisfies the immediate needs and wants of target markets alwaysdoing whats best for consumers in the long run？The societalmarketing concept holds that marketing strategy should deliver valueto customers in a way t

11、hat maintains or improves both the consumersand societys well-being.A.generates carbon dioxide emissions that contribute to globalwarmingB.produces healthy products with the“green”packagesC.is highly successful because it run against the society long-runinterestsD.takes water from pristine lakes and

12、 snow-capped mountains【答案】A10、新三民主义与中共民主革命纲领的根本区别在于（）。A.中国民主革命的道路问题B.中国人民的民主权利问题C.对待工农革命的态度问题D.民主革命胜利后的前途问题【答案】D11、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.Moritzlef

13、t journalism to become one of the most successful venturecapitalists 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 Univer

14、sity announcedlast Wednesday that he and his wife,the novelist 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,ed

15、ucation and a sense of obligation thattranscended generations.A.How education can change a persons lifeB.Oxford University welcomes the generosity of strangersC.An immigration familys story of successD.large amount of private donation from an Oxford graduate【答案】B12、冯诺依曼在总结研制 ENIAC 计算机时，提出两个重要的改进是（）。

16、A.引入 CPU 和内存储器的概念B.采用二进制和存储程序控制的概念C.采用机器语言和十六进制D.采用 ASCII 编码系统【答案】B13、中国人民银行法律责任的特点是（）。A.中国人民银行负责B.直接责任者负责C.直接责任者或中国人民银行负责D.直接责任者和中国人民银行共同负责【答案】B14、资料：You can not go forward by going backward.Take the currentdebate about trade and globalization,for instance,while the impulseto erect trade barriers i

17、s understandable given the pain experiencedin recent years,it is not the way to create lasting growth andshared prosperity.A.Blocked flow of trade and investmentB.Loss of economic valueC.Declining worker mobilityD.Distressing job losses【答案】D15、分贝是用来表示声音强弱的单位，根据我国城市环境噪声标准规定，以居住、文教机关为主的区域为一类区，适用这一类区的环

18、境噪声标准是（）。A.白天 55 分贝，夜间 40 分贝B.白天 55 分贝，夜间 45 分贝C.白天 60 分贝，夜间 50 分贝D.白天 60 分贝，夜间 55 分贝【答案】B16、The orphanage is just one of her _ causes.A.phoneticB.philanthropicC.prevalentD.lunatic【答案】B17、All participants were told they were free to_answering anyof the questions at any time。A.rejectB.declineC.disapp

19、roveD.refuse【答案】B18、多数鱼类背部发黑、腹部发白，其原因是（）。A.长期进化形成的保护色B.背部比腹部接受光线多，导致色素沉淀C.背部比腹部黏膜厚，吸收光线多D.背部鱼鳞多，吸收光线多【答案】A19、.对于注销的应收账款，会计部门应在（）中予以登记，同时进行追踪控制，以防随后收 回时被内部人员贪污。A.备査账簿B.销售发票C.明细账D.销售合同【答案】A20、Passage 9A.the application of reading strategiesB.matching our expectations with the meaning of a textC.the de

20、velopment of our ability to check the detailsD.determining the main idea of a text【答案】A21、在 ASCII 码表中，按照 ASCII 码值从小到大的排列顺序是（）。A.数字、英文大写字母、英文小写字母B.数字、英文小写字母、英文大写字母C.英文大写字母、英文小写字母、数字D.英文小写字母、英文大写字母、数字【答案】A22、资料：The market is a concept.If you are growing tomatoes inyour backyard for sale you are produc

21、ing for the market.You mightsell some to your neighbor and some to the local manager of thesupermarket.But in either case,you are producing for the market.Your efforts are being directed by the market.If people stop buyingtomatoes,you will stop producing them.A.It tells you what to produceB.It tells

22、 you how to grow tomatoesC.It provides you with everything you needD.It helps you save money【答案】A23、The fact is that _ is given to seniority and many peoplewould rather be the tail of a lion than the head of a dog.A.priorityB.focusC.emphasisD.attention【答案】A24、Passage 3A.Their economy is plungingB.Th

23、eir currency has slumpedC.They cant afford trips to EnglandD.They have lost half of their assets【答案】B25、Passage 5A.half of the are a will follow a wetter trend,while half a driertrendB.the scientists in North Africa hold different opinions climatemodelsC.it is not easy to predict how the climate cha

24、nge influences thedistrictD.There are different climate models to be built in North Africa【答案】C26、资料：When a consumer 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

25、 help.at the store of purchase.In most cases，this action will produce results.However，if it does not，thereare various 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 hercompla

26、int，the faster he or she can expect it to be settled.In sucha case，it is usually settled in the consumers favor，assuming heor she has a just claim.A.Complain again politelyB.Threaten to take further measuresC.Complain in a rude wayD.Report it to the management of the company【答案】B27、资料：The societal m

27、arketing concept questions whether the puremarketing concept overlooks possible conflicts between consumersshort-run wants and consumer long-run welfare.Is a firm thatsatisfies the immediate needs and wants of target markets alwaysdoing whats best for consumers in the long run？The societalmarketing

28、concept holds that marketing strategy should deliver valueto customers in a way that maintains or improves both the consumersand societys well-being.A.generates carbon dioxide emissions that contribute to globalwarmingB.produces healthy products with the“green”packagesC.is highly successful because

29、it run against the society long-runinterestsD.takes water from pristine lakes and snow-capped mountains【答案】A28、资料：Talk about Christmas in July.Carrie Rocha has alreadystarted her holiday shopping.“A few weeks back I picked up a$60toy for$4,and,truth be told,I picked up a whole lot more thanthat,”she

30、 wrote in an email.“I spent about$80 total and got$350+in toys.”A.those with abundant money to wasteB.those common people who give others presents during holidaysC.those who never celebrate festivities and have no relativesD.those under stress from both work and life【答案】B29、资料：Our goal with the new

31、MacBook was to do the impossible:engineer a full-size experience into the lightest and most compactMac notebook ever.That meant reimagining every element to make itnot only lighter and thinner but also better.The result is more thanjust a new notebook.Its the future of the notebook.And now,withsixth

32、-generation Intel processors,improved graphics performance,faster flash storage,and up to 10 hours of battery life.MacBook iseven more capable.A.Bigger screenB.Faster flash storageC.Longer battery lifeD.Clear representation【答案】A30、下列叙述中，正确的是（）。A.高级语言编写的程序的可移植性差B.机器语言就是汇编语言，无非是名称不同而巳C.指令是由一串二进制数(0 和

33、1)组成的D.由机器语言编写的程序可读性好【答案】C31、She said shes gonna_them dead with her best dress and make-up.A.patB.rapC.knockD.kill【答案】C32、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】B33、小王是一名应届毕业生，成功入职 A 公司与 A 公司签订劳动合同，约定适用期为 1 个月且约定月工资为 6000 元。若 A 公司所在地的最低月工资标准为3000 元，则按照劳动法的规定，小王在试用期的月工资应不低于（）。A.6000 元B.5400 元C

34、.4800 元D.3600 元【答案】C34、公元前 221 年，秦王嬴政灭六国，实现统一，建立了秦朝，定都（）。A.洛阳B.咸阳C.北京D.南京【答案】B35、This does not mean I will take it_from the rich and give itto the poor.A.upB.onC.inD.away【答案】D36、下列国家不在世界四大文明古国之列的是（）。A.古巴比伦B.古埃及C.雅典D.古印度【答案】C37、While the preliminary research is favorable,it may take yearsfor Bogor Ph

35、armacouticals to develop _ evidence of the drugseffectiveness.A.conclusionB.concludeC.conclusiveD.concludes【答案】C38、资料：To：Sherry LintonA.A memoB.A minutesC.An announcementD.A notice【答案】D39、There are many ways to define the“time”at a particular_.Here，on Earth our usual system is defined by the motion

36、ofthe Sun in the sky.A.districtB.iocationC.interpretationD.direction【答案】B40、（）by his performance,I would say he has a good chance ofwinning.A.JudgedB.JudgingC.To be judgedD.Having been judged【答案】B41、Passage 2A.Challenges facing European regulatorsB.A new regulation in Europe that opens banks to comp

37、etitionC.The solutions to the flawed banking system in EuropeD.A looming threat to customersprivate bank data【答案】B42、Golf Weekly is a newly published magazine that caters_toexperienced and inexperienced golfers who are just learning to playthe game.A.bothB.neitherC.eitherD.so【答案】A43、I had just poste

38、d the letter when I remembered that hadnt（）the cheque。A.imposedB.enclosedC.involvedD.contained【答案】B44、“没有哪一次巨大的历史灾难，不是以历史的进步为补偿的。”恩格斯这句话蕴含的哲理是（）。A.矛盾双方相互排斥B.矛盾双方相互渗透C.矛盾双方在一定条件下相互依存D.矛盾双方在一定条件下相互转化【答案】D45、2020 年 4 月 28 日电，中国证监会已经派驻调查组进驻瑞幸咖啡多日，这是证券法修改之后证监会首次实施（）的案件，意味着我国证券执法进入了新的历史阶段，开启了证券监管新时代。A.事后监

39、管权B.境外管理权C.冻结查封权D.长臂管辖权【答案】D46、资料：Changing careers is 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 sa

40、y we could have as many as nine careers in our professionallifetime.Which begs the question:do you know what it takes tosuccessfully change career lanes repeatedly?A.You need to have more conversations and connections within your newcareer pathB.You need to build a marketing campaign for your busine

41、ss-of-oneC.You need to give the logic and passion behind your career changeD.You need to make sure everyone knows about it【答案】D47、某公司招聘甲、乙两种职位的人员共 90 人，甲、乙两种职位人员每月的工资分别为 1500 元和 2500 元，若甲岗位的工资总支出是乙岗位的 40%，则乙岗位招聘人数比甲职位多（）人。A.24B.20C.18D.15【答案】C48、多数鱼类背部发黑、腹部发白，其原因是（）。A.长期进化形成的保护色B.背部比腹部接受光线多，导致色素沉淀C.

42、背部比腹部黏膜厚，吸收光线多D.背部鱼鳞多，吸收光线多【答案】A49、资料：Italys next government,a coalition between thepopulistFive Star Movement and the far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to leave the euro or ask theEuropean Central Bank to forgive

43、 250bn（$292bn）of Italian debt.But less attention has been paid to what it might mean for Italianbanks,and in particular for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any country in the European Union.（1）A.The increasing use of o

44、ut-of-court settlement for collateral acrossthe EUB.The GACS which may not be renewed after SeptemberC.The new trading platform for trading NPLsD.The laws that guarantee cross-border operations【答案】B50、通常看一个国家经济是否增长，主要是看（）。A.这个国家的工业生产总值是否增加B.这个国家的货币是否升值C.这个国家的 GDP 是否增长D.这个国家的物价水平是否升高【答案】C多选题（共多选题（共 2

45、020 题）题）1、证券交易委托的种类主要有（）。A.整数委托B.零数委托C.市价委托D.竞价委托E.限价委托【答案】ABC2、下列各项，属于流动负债的是（）。A.预收账款B.预付账款C.应收账款D.应付账款【答案】AD3、下列通过其他应收款核算的是（）。A.应收的各种赔款B.应收的各种罚款C.存出保证金D.存入保证金【答案】ABC4、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.流通的起点和终点不同D.流通中的媒介不同【答案】ABCD5、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】AC

46、D6、对银行业金融机构的重组方案的实施的方式有（）。A.合并B.兼并收购C.购买D.承接【答案】ABCD7、下列选项中，属于对信用社扶持政策的主要有（）。A.放松监管B.资金扶持C.税收优惠D.提高存款准备比例【答案】BC8、中国银行业监督管理委员会负责对全国银行业及非银行业金融机构的经营活动进行监 管，这些金融机构包括（）。A.城市信用合作社和农村信用合作社B.政策性银行C.金融租赁公司D.期货经纪公司【答案】ABCD9、目前商业银行的表外业务主要有（）。A.期货与远期交易B.消费贷款业务C.银行承兑汇票D.备用信用证E.电算化存款业务【答案】ACD10、下列（）财产不可以抵押。A.土地所有

47、权B.所有权不明或者有争议的财产C.依法被查封、扣押、监管的财产D.学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施【答案】ABCD11、欧洲货币体系包括（）。A.创设欧洲货币单位B.建立稳定汇率机制C.扩大特别提款权的作用D.建立国际货币基金组织E.建立欧洲货币合作基金【答案】AB12、下列各项，属于流动负债的是（）。A.预收账款B.预付账款C.应收账款D.应付账款【答案】AD13、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

48、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.现券买断B.现券卖断C.卖出有价证券D.买入有价证券【答案】BC14、某商业银行 2018 年有如下一些工作计划，属于资产业务是（）。A.响应国家号召，发放小微企业贷款 50 亿元B.A 股市场增发 10 亿规模股票C.办理企业未到期的票据贴现 6000 万元D.代销某保险公司保险产品 1 亿【答案】AC15、某企业 2008 年相关收入及支出情况如下：营业收入 600000 元，营业成本350000 元，销售 费用 15000 元，管理费用 20000 元，财务费用 18000 元，投资收益

49、 50000 元，营业外收入 35000 元，营业外支出 12000 元，资产减值损失25000 元。下列关于该企业 2008 年的营业 利润总额，错误的是（）元。A.222000B.197000C.247000D.245000【答案】BCD16、在证券回购协议中，可以作为标的物的有（）。A.国库券B.政府债券C.商业票据D.信用证E.大额可转让定期存单【答案】ABC17、一般累犯的构成条件是（）。A.前后两罪均为故意犯罪B.后罪发生于前罪刑罚执行完毕或赦免以后 5 年以内C.犯罪分子因犯前罪被判处了有期徒刑以上刑罚D.后罪也应判处有期徒刑以上刑罚【答案】ABCD18、下列属于原生金融工具的有

50、（）。A.国库券B.基金C.商业票据D.期权【答案】ABC19、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】CD20、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】ABCD大题（共大题（共 1010 题）题）一、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