湖北省2023年银行招聘之银行招聘综合知识精选附答案.doc

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1、湖北省湖北省 20232023 年银行招聘之银行招聘综合知识精选附年银行招聘之银行招聘综合知识精选附答案答案单选题（共单选题（共 5050 题）题）1、在我国，随着经济发展和改革的深入，“短缺经济”转变为“过剩经济”，投资消费需求膨胀一度转变为投资消费需求不足。1997 年下半年，我国零售物价指数开始全面持续下跌，存在“通货紧缩趋势”。为此中国人民银行采取了一系列货币政策措施予以应对。A.不动产信用控制B.窗口指导C.道义劝告D.直接干预【答案】C2、甲股票的每股税后盈利为 1 元，市盈率水平为 15,估算该股票的发行价格为（）元。A.13B.15C.20D.25【答案】B3、字长是 CPU

2、的主要性能指标之一，它表示（）。A.最长的十进制整数的位数B.CPU 一次能处理二进制数据的位数C.计算结果的有效数字长度D.最大的有效数字位数【答案】B4、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】D5、According to our records,your membership _ at the end ofDecember.A.will expireB.expiringC.to expireD.expired【答案】A6、She would rather that her husband _ t

3、ravel during the badweather,but he insists that he return home today.A.do notB.notC.must notD.did not【答案】D7、As _,I think business English is more practical than othercourses.A.an International Business student majorB.an International Business majorC.a International Business student majorD.an Interna

4、tional Business major student【答案】D8、资料：New York and London may rule the roost,but other financialhubs in America and Europe have managed to carve out usefulspecialist niches for themselves.Chicago,for instance,hasconsolidated its position as the worlds derivatives center,andHouston,the largest city

5、in Texas,is home to Americas biggestenergy firms and has spawned an active cluster of energy traders andhedge funds.A.Merger of NYSE with Euronext makes it the biggest financial centerin EuropeB.The excessive regulation and high taxes have affected its financialdevelopmentC.Paris has many advantages

6、 that may help in its future financialdevelopmentD.Paris offers good quality of life as well as good transport links【答案】A9、资料：Our goal with the new MacBook was to do the impossible:engineer a full-size experience into the lightest and most compactMac notebook ever.That meant reimagining every elemen

7、t 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-generation Intel processors,improved graphics performance,faster flash storage,and up to 10 hours of battery life.MacBook iseven more capable.A.A notic

8、eB.An advertisementC.A proposalD.A memo【答案】B10、资料：How did Tencent take WeChat so far ahead of its rivals?Theanswer lies partly in the peculiarities of the local market.Unlikemost Westerners,many Chinese possessed multiple mobile devices,andthey quickly took to an app that offered then an easy way to

9、integrate them all into a single digital identity.In Americamessaging apps had a potent competitor in the form of basic mobile-phone plans,which bundied in SMS messaging.But text messages werecostly in China,so consumers eagerly adopted free messaging app.Ande-mail never took off on the mainland the

10、 way it has around the world,mainly because the internet came late;that left an opening formessaging apps.A.Users are increasing to form groupsB.It caused people to send money in random amountsC.The gift-giving process became an exciting gameD.It changed the way Chinese people send each other gifts【

11、答案】D11、一个完整的计算机系统包括（）。A.计算机及其外部设备B.主机、键盘、显示器C.系统软件和应用软件D.硬件系统和软件系统【答案】D12、Whats corrosion？Its a chemical_in which metal istransformed into salt and oxides.A.reactB.actionC.reactionD.response【答案】C13、资料：Directions:There is 1 passage in this part.The passageis followed by some questions or unfinished s

12、tatements.For each ofthem there are four choices,You should decide on the best choice.A.To start an explanation of FaceID s using conditionB.To mention that Apple Inc.shows their new product under a welldesigned environmentC.To imply that FaceID has its limitsD.To add a context explanation of the in

13、teresting demo【答案】C14、资料：In the United States of America,banks are categorized intothe federally-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 f

14、rom the superintendent to as“State Banks”.Banks are allowed to register either with the federal or the stateauthority.Let us now look at the organizational structure ofCommercial Banks,which include unit banking,group banking andbranch banking.A.Banking and Non-banking in the USAB.Banks in the USAC.

15、Bankers in the USAD.Banking in the USA【答案】B15、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 it in 1846

16、duringthe war with Mexico.A.deserters from sailing shipsB.Spanish ranchersC.gold minersD.tourists【答案】C16、Injuries from rear-end _ were down，which could mean morethan$45 million saved on accident damage per year.A.collisionsB.combatsC.contradictionsD.conflicts【答案】A17、下列说法错误的是（）。A.热水管往往比冷水管先被冻裂B.高尔夫球上

17、的微凹坑使作用于球上的空气阻力减小C.自燃是由于材料内部的氧化使得材料的热量增加而引起的D.材料能够燃烧是由于可燃材料富含一种叫“燃素”的物质【答案】D18、资料：Children back at school,nights slowly starting to draw inand the weather more changeable.The seasons are turning and after aneerily calm summer for financial markets,theres a whiff ofuncertainty in the air.Bond yields

18、are up from their lows,and therelentless migration of global capital towards any asset,anywhere,with some yield,is slowing.A.In recent years central banks adopt the method of lower interestrates and asset purchases to promote economic growth but now suchability of central banks have become increasin

19、gly weakerB.Investors doubt that the yields will decline,because the bondprices of financial market are fallingC.In the first half of this year global financial markets are aschangeable as the weather changesD.The 10-year yields German and Japanese government bond have beenmoving up slowly through t

20、he summer【答案】B19、I believe you have _ some important points in the report.A.left offB.left behindC.left outD.left alone【答案】C20、Thank you for snatching time from your tight schedule to give mypaper _ consideration.A.confidentialB.dueC.permanentD.instinctive【答案】B21、资料：In the United States of America,b

21、anks are categorized intothe federally-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 allowe

22、d to register either with the federal 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 ban

23、king,group banking and branch bankingD.Specialized banks,group banking and unit banking【答案】C22、以动产作为抵押的，办理动产抵押时，向抵押人住所地的（）办理抵押登记。A.工商行政管理部门B.证券登记结算机构C.信贷征信机构D.财政管理部门【答案】A23、马克思主义理论的来源是（）。A.细胞学说、生物进化论、牛顿定律B.英国历史哲学、德国科学主义、欧洲人文科学C.法国唯物主义、德国经验主义、法国理性主义D.德国古典哲学、英国古典政治经济学、英国空想社会主义【答案】D24、目前在我国不存在的票据是（）。A.

24、银行本票B.商业本票C.银行汇票D.商业汇票【答案】B25、资料：Virgin America helped Airbus pip Boeing at the post toretain its crown as the worlds largest commercial plane maker.A.it has multiple options when it comes to its engineB.it is a single-aisle jetC.it is more fuel-efficient and environmental-friendlyD.it has a more po

25、werful engine【答案】C26、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 are wi

26、lling 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】C27、资料：Dream is a story that a person watches or even takes partin during sleep.Dream events are imaginary,but they ar

27、e related toreal experiences and needs in the dreamers life.They seem realwhile they are takingplace.Some dreams are pleasant,others areannoying,and still others are frightening.Everyone dreams,but somepersons never recall dreaming.Others remember only a little about adream they had just before awak

28、ening and nothing about earlier dreams.No one recalls all his dreams.A.deprives people of a good sleepB.makes people always restlessC.disturbs peoples lifeD.is beneficial to people【答案】D28、All participants were told they were free to_answering anyof the questions at any time。A.rejectB.declineC.disapp

29、roveD.refuse【答案】B29、Passage 1A.0.5%B.0.9%C.3.5%D.3.1%【答案】A30、资料：Gone are the days of“one-size-fits-all”employeebenefits programs and here come newly designed and fully customizedvoluntary benefits.Voluntary benefits are on longer looked at asjust a few“extras”,and are now becoming part of a comprehe

30、nsivebenefits package.Lots take a look at how voluntary benefits havebecome more customized to meet the requirements of a more particularhealth care consumer.A.Long term financing to help employeesB.Employee purchase programs and discount cardsC.Pay off college loansD.Budgeting software and company

31、matched savings plans【答案】A31、资料：Zhang Qiaoli uses her spare bedroom for storing her stockof ladies fashion-wear and photo shoots.She is one of more thanfive million small online stores operating across China,some fromsmall apartments or even college dormitories.She buys dresses andaccessories wholes

32、ale;at prices under$5,using the website Taobao,she sells them on as the Kitty Lover at prices under$10.A.She sells dresses and accessories on TaobaoB.She buys goods at higher prices and manages to sell large number ofthemC.She purchases goods at wholesale and sell them online at higherpricesD.She ma

33、kes profits by selling dresses and accessories at retailstores【答案】C32、在货币资金借贷中，还款违约属于金融风险中的（）。A.流动性风险B.市场风险C.操作风险D.信用风险【答案】D33、Bilateral relations have entered a new stage of development bothin terms of_and breadth.A.profundityB.dimensionC.implicationD.innovation【答案】A34、The local area network also c

34、onnects to a wide area network thatallow a message _ across the country or to other countries.A.is sentB.to be sentC.sendingD.send【答案】B35、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 qu

35、estions 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,

36、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.Those who periodically ask questions want to take charge of theconversationB.If

37、 you 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】B36、中国人民银行早在 2004 年已经完全放开金融机构人民币贷款利率上限，商业银行可自主根据企业和具体业务风险状况进行定价，但是并不意味着金融借款利率不受任何限制。金融机构利率是指（）。A.金融机构对银行和证券

38、公司实行的各种利息率B.金融机构对企业单位和个人实行的各种利息率C.金融机构对金融监管部门实行的各种利息率D.金融机构对中央银行实行的各种利息率【答案】C37、资料：The increasing amount of personal information that can becollected by computer programs that track how people use Facebook hasbeen revealed by an extensive academic study.A.The efficiency of computer programs in data

39、analysisB.The result of a study can be predictable by computersC.Usefulness of some personal information in marketingD.Personal Information could be collected and analyzed online【答案】D38、Education has a value of consumption and its demand will dependon its own price，prices of other goods，and_income.A

40、.domesticB.homeC.houseD.household【答案】D39、如果一个社会的收入是绝对平衡的,那么，基尼系数将（）。A.等于 1B.等于 0C.大于 1D.小于 0【答案】B40、资料：The societal marketing concept questions whether the puremarketing concept overlooks possible conflicts between consumersshort-run wants and consumer long-run welfare.Is a firm thatsatisfies the im

41、mediate 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 that maintains or improves both the consumersand societys well-being.A.generates carbon dioxide emissio

42、ns 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 snow-capped mountains【答案】A41、资料：Acknowledging that so-called cloud computing will blur thedistinction

43、s between computers and networks,about two dozen biginformation technology companies plan to announce a new standards-setting group for computer networking.The group,to be called theOpen Networking Foundation,hopes to help standardize a set oftechnologies pioneered at Stanford and the University of

44、California,Berkeley,and meant to make small and large networks programmable inmuch the same way that individual computers are.A.It deviates from the traditional InternetB.It is meant to help with the storing and processing of informationon computersC.It is an initiative of Nick McKeown and his colle

45、aguesD.It will trigger new innovations in the field of cloud computing【答案】C42、充满气的氢气球被松开后，会（）。A.一直上升B.升到一定高度保持静止C.一直上升，最后爆炸D.一直下降【答案】C43、政府的财政收入政策通过（）因素对国民收人产生影响。A.政府转移支付B.政府购买C.消费支出D.出口【答案】C44、下列选项中不属于投资银行的功能的是()。A.媒介资金供需B.构造证券市场C.优化资源配置D.促进产业粗放【答案】D45、资料：No credit，bad credit Hear the terms often e

46、nough and theycan blur together.These credit statuses arent one and the same，though.A.will probably loan money bad-credit people as they still have openaccountsB.will probably loan money no-credit people as they havent made anyfinancial mistakesC.wont risk loaning money or extending credit to no-cre

47、dit personor bad-credit personD.None of above【答案】C46、Together these inventions hugely reduced the cost of blastingrock,drilling tunnels,building canals and many other formsof_work.A.constructionB.informationC.animationD.imagination【答案】A47、资料：FOR TWO MARKETING EXECUTIVESA.Emma,master degree in Englis

48、h,frequent business trips areacceptableB.Li Lei,master degree in Management,3 years experience inmarketing,good English and computer skillsC.Jack,bachelor degree in Management,good EnglishD.Jimmy,master degree in Marketing,2 years experience inmarketing,good English and computer skills【答案】B48、2020 年

49、 3 月 10 日国家主席习近平专门赴湖北省武汉市考察疫情防控工作。他强调，经过艰苦努力，湖北和武汉疫情防控形势发生积极向好变化，取得阶段性重要成果，但疫情防控任务依然艰巨繁重。越是在这个时候，越是要保持头脑清醒，越是要慎终如始，越是要再接再厉、善作善成，继续把（）作为当前头等大事和最重要的工作。A.疫情防控B.疫情监管C.疫情防治D.疫情管理【答案】A49、It was about 100 years ago_this beautiful clock was madeA.NeitherB.sinceC.thenD.when【答案】A50、She would rather that her h

50、usband _ travel during the badweather,but he insists that he return home today.A.do notB.notC.must notD.did not【答案】D多选题（共多选题（共 2020 题）题）1、纳税人销售或者进口下列（）货物适用的增值税税率为 13%。A.自来水B.杂志C.农药D.服装【答案】ABC2、商业银行开展的业务包括（）。A.吸收公众存款B.发放贷款C.办理结算D.发行货币【答案】ABC3、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】AD4、实