湖南省2023年银行招聘之银行招聘综合知识题库附答案（典型题）.doc

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1、湖南省湖南省 20232023 年银行招聘之银行招聘综合知识题库附年银行招聘之银行招聘综合知识题库附答案（典型题）答案（典型题）单选题（共单选题（共 5050 题）题）1、下列关于对账的表述，不正确的是（）。A.建立健全对账制度。有利于提高会计核算质量B.对账的内容包括账证核对、账账核对、账实核对、账表核对C.账证核对是指账簿记录与原始凭证、记账凭证的核对D.账实核对是指各项财产物资的账面数与实有数之间的核对【答案】B2、The companys profits are_to hit their peak in the nextquarter mainly due to the release

2、 of its new line of clothing.A.forecastB.forecastingC.to forecastD.will forecast【答案】A3、根据路径一目标理论，主动征求并采纳下属意见的领导方式称为（）。A.指导式领导B.支持型领导C.参与式领导D.成就取向式领导【答案】C4、资料：Procrastination comes in many disguises.We might resolve totackle a task,but find endless reasons to defer it.We mightprioritize things we can

3、 readily tick off our to-do list-answeringemails,say-while leaving the big,complex stuff untouched foranother day.We can look and feel busy.while artfully avoiding thetanks that really matter.And when we look at those rolling,longuntouched items at the bottom of our to-do list,we cant help butfeel a

4、 little disappointed in ourselves.A.Make the costs of action feel smallerB.Make the reward larger than the immediate pain of doing itC.Make the benefits of action feel biggerD.All the above【答案】D5、帕累托最优条件不包括（）。A.效率问题B.社会问题C.生产问题D.分配问题【答案】D6、假设某银行体系：（1)原始存款总额为 100 万元；（2)法定准备金额为8%;(3)现金漏损率为 10%;(4)超额准备

5、金率为 2%;(5)定期存款准备金率为4%;(6)定期存款总额为 20 万元。根据上述材料，回答下列问题：A.K=1/(r+h)B.K=1/(r+h+e)C.K=1/(r+h+e+tS)D.K=1/(r+h+et+s)【答案】C7、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 is understandable given the pain

6、experiencedin recent years,it is not the way to create lasting growth andshared prosperity.A.The participation in the trade globalization is not broad enoughB.Job losses are often under-estimatedC.Domestic firms are problematic with productivityD.Globalization hinders growth of small and medium-size

7、 firms【答案】A8、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 marketgame,investing the

8、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 accepted by collegesD

9、.make students become very wealthy【答案】B9、Passage3A.cut it with a sawB.use your right hand onlyC.chew it wellD.all of the above【答案】D10、According to our records,your membership _ at the end ofDecember.A.will expireB.expiringC.to expireD.expired【答案】A11、不属于反映企业财务状况的会计要素是（）。A.资产B.收入C.所有者权益D.负债【答案】B12、下列选

10、项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（）。A.科目日结单B.日计表C.总账D.余额表【答案】B13、资料：The hop flower has been used in beer-making at least sincethe eighth century.Traditionally it was a preservative,but it alsoimparts flavor.To some,the taste is bitter and unpalatable,andthus many brewers use only minimal amounts.But,de

11、pending on variety,growing conditions,and other factors,hops can impart a range offlavors that connoisseurs say rivals that of wine grapes.Starting inthe nineteen-seventies,small brewers on the West Coast begandramatically upping the amount of hops in their brews.One of theirmost popular products wa

12、s the India pale ale,or L.P.A.,a brew thathas been around since the late eighteenth century.The story goesthat necessity drove the British to add large quantities of hops inorder to preserve the beer they shipped to India,to quench thethirst of the Sahibs managing the Empire there.A.Because connoiss

13、eurs said its flavor rivals that of wine grapesB.Because there were different varietiesC.Because it helped preserve beerD.Because only some people didnt like the taste【答案】A14、当利率下降，对消费者的影响是（）。A.刺激消费，减少储蓄B.刺激消费，刺激储蓄C.抑制消费，抑制储蓄D.抑制消费，刺激储蓄【答案】A15、How are we to develop new technology if we cant study cu

14、rrenttechnology to figure out how to_it?A.improveB.restC.causeD.conceal【答案】A16、不属于资产管理理论基础的是（）。A.商业性贷款B.转移理论C.预期收入理论D.经营管理理论【答案】D17、通过观察持续数期的会计报表，比较各期的有关项目金额，分析有关指标的增减变动情况，并在此基础上获知有关企业发展前景信息，这种会计报表分析方法被称为（）。A.趋势分析法B.比较分析法C.因素分析法D.比率分析法【答案】B18、资料：What，if anything，do we gain by clinging to ourantioxid

15、ant supplements？A.reasonableB.untrueC.terribleD.fair【答案】B19、债券价格、必要收益率与息票利率之间存在以下（）的关系。A.息票利率小于市场利率，债券价格高于票面价值B.息票利率小于市场利率，债券价格小于票面价值C.息票利率大于市场利率，债券价格小于票面价值D.息票利率等于市场利率，债券价格不等于票面价值【答案】B20、资料：Workforce planning helps an organization to estimate itsfuture workforce requirements and calculate the numbe

16、rs,nature andsources of potential employees who might meet that demand.A.because it enables the company to know its employees betterB.because it makes the company prepared for the potential challengesC.because it gives the employees a chance to receive trainingD.all above【答案】A21、某企业实收资本 1 000 万元，资本公

17、积 500 万元，未分配利润 150 万元。盈余公积 400 万元，则留存收益为（）万元。A.550B.1 500C.650D.900【答案】A22、在 Exce1 中，（）函数可以计算工作表中一串数值的和。A.SUMB.AVERAGEC.MIND.COUNT【答案】A23、资料：Britain is facing a“crisis of fatherlessness”in whichalmost half of all children born today will not be living with bothparents by the time they are 15,the new

18、 chief executive of thethinktank founded by Iain Duncan Smith has warned.A.the rapid increase in the number of abandoned childrenB.the high percentage of single-parent familyC.the gradual decrease of father-child contactD.the negative impact of family split on children【答案】C24、Henry found it difficul

19、t to get his British jokes（）toChinese audience.A.acrossB.dealC.overD.down【答案】A25、资料：Directions:There is 1 passage in this part.The passageis followed by some questions or unfinished statements.For each ofthem there are four choices,You should decide on the best choice.A.They have concerns of the sec

20、urity and convenience of FaceIDB.They don t believe iPhone X s FaceID can successfully unlock aphone every timeC.They have doubts of its technique to overcome variable lighting andsubtle change of the users faceD.They are mainly worried about the smartphone s accuracy【答案】B26、世界上最早出现的计算机互联网络是（）。A.Int

21、ernetB.SNAC.ARPAnetD.Ethernet【答案】C27、“如果三年内不结婚，赠送你一万元”，这个说法（）。A.是有期限的赠与合同B.无效合同C.是附有负担的赠与合同D.是赠与合同【答案】C28、资料：The personal computer was a revolution in informationtechnology that spawned a$50 billion hardware business,with another$30 billion in software and peripherals（eg.mouse,keyboard,printer,etc.）

22、by 1991.During its short 15 years,the industryevolved through three successive periods.During its first 5 to 6years,it was characterized by explosive growth and multiple,smallcompetitors vying for a piece of the market.From 1981 to 1985,theindustry became a battle for standards and retail shelf spac

23、e.Thethird era was one of increasing fragmentation.From 1986 through1991-1992,new manufacturers from around the world grabbed from theindustry leaders as new channels of distribution emerged and productinnovation as well as revenue growth slowed.A.The small companies experienced a harsh lifeB.People

24、 preferred PCs of big brandsC.The big companies didnt earn as much as they did in the past twoperiodsD.The companies made standards on the configuration【答案】C29、下列选项中，不合法的十六进制数是（）。A.H1023B.10111C.A120D.777【答案】A30、Two years ago,Rupert Murdochs daughter,Elisabeth,spoke ofthe“unsettling dearth of integr

25、ity across so many of ourinstitutions”.Integrity had collapsed,she argued,because of acollective acceptance that the onlysorting mechanismin societyshould be profit and the market.Butits us,human beings,we thepeople who create the society we want,not profit.A.revealed a cunning personalityB.centered

26、 on trivial issuesC.was hardly convincingD.was part of a conspiracy【答案】C31、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】A32、2010 年某省 8 个地市的财政支出(单位：万元)分别为：59000，50002，65602，66450，78000，78000

27、，78000，132100 这组数据的中位数和众数分别是（）万元。A.78000.78000B.72225，78000C.66450.132100D.75894.25，132100【答案】B33、下列选项中涉及银行对借款者的资信评价和利息惩罚问题的是()。A.签订贷款合同B.提前偿还贷款C.按期偿还贷款D.无力清偿贷款【答案】D34、资料：Think for a moment of your definition of persuasion.If youare like most business people I have encountered,you see persuasionas a

28、 relatively staightforward process.First,you strongly stateyour position.Second,you outline the supporting arguments,followedby a highly assertive,databased exposition.Finally,you enter thedeal-making stage and work toward a“close.”In other words,youuse logic,persistence,and personal enthusiasm to g

29、et others to buya good idea.The reality is that following this process is onesurefire way to fail at persuasion.A.How to successfully persuade othersB.How businesspeople define persuasionC.Persuasion as an artD.Logic,persistence and enthusiasm【答案】A35、资料：Tencent Holdings Ltd has announced that it wil

30、l fully openup its big data platform and machine learning technology in a move tobuild a sharing economy based on cloud services.Enterprises willbe able to use a set of big data analysis tools developed by Tencent,helping them gain a better understanding of their clients and improvetheir products.A.

31、NegativeB.NeutralC.EncouragingD.Positive【答案】B36、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】A37、()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】A38、资料：Job DescriptionA.communicateB.respons

32、eC.ransomD.manage【答案】A39、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shamel）on a Friday and simply notcheck your email until you return the office during normal workinghours.A.To require an instant respond for after-hour emailingB.To abandon after-hour

33、emailingC.To tell employees that an after-hours email doesnt necessarilyrequire a responseD.To limit the time of after-hour emailing【答案】D40、There was a _ rush to get everything ready for the unexpectedinspection from the superiors.A.calmB.madC.franticD.wild【答案】C41、She was very_of our efforts to help

34、.A.appreciatingB.appreciativeC.appreciateD.appreciable【答案】B42、通常情况下，一国的利率水平提高，会导致（）。A.本币汇率上升，外币汇率上升B.本币汇率上升，外币汇率下降C.本币汇率下降，外币汇率上升D.本币汇率下降，外币汇率下降【答案】B43、下列选项中 2008 年 1 月 1 日起实施的全国年节及纪念日放假办法新增加的国家法定节日不包括（）。A.重阳节B.清明节C.中秋节D.端午节【答案】A44、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】D45、流动性最大的金融

35、资产是（）。A.政府债券B.企业债券C.现金D.企业股票【答案】C46、Although some of these projects have been recently completed，themajority of projects will _ in the fall of 2019.A.initiateB.originateC.manipulateD.commence【答案】D47、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Although

36、 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.in

37、ternal accounting controlsB.internal financial controlsC.administrative controlsD.external controls【答案】C48、In low and middle income countries,heart disease and cancer getmuch of the attention given to _ diseases.A.sustainedB.chronicC.permanentD.perpetual【答案】B49、电能是用途最广泛的能源之一，它属于（）。A.二次能源B.次能源C.不可再生能

38、源D.可再生能源【答案】A50、资料：The hop flower has been used in beer-making at least sincethe eighth century.Traditionally it was a preservative,but it alsoimparts flavor.To some,the taste is bitter and unpalatable,andthus many brewers use only minimal amounts.But,depending on variety,growing conditions,and othe

39、r factors,hops can impart a range offlavors that connoisseurs say rivals that of wine grapes.Starting inthe nineteen-seventies,small brewers on the West Coast begandramatically upping the amount of hops in their brews.One of theirmost popular products was the India pale ale,or L.P.A.,a brew thathas

40、been around since the late eighteenth century.The story goesthat necessity drove the British to add large quantities of hops inorder to preserve the beer they shipped to India,to quench thethirst of the Sahibs managing the Empire there.A.The British produced large quantities of beerB.The British fou

41、nd one of the most popular products called the Indiapale ale,or I.P.AC.The British made Hop flower a necessity and shipped it in largequantities to IndiaD.The British added more hop flower in beer【答案】D多选题（共多选题（共 2020 题）题）1、下列各选项中，不属于商业银行负债业务的有（）。A.吸收存款B.票据贴现C.贷款业务D.投资业务【答案】BCD2、学习型组织的基本特征是（）。A.学习意识强

42、烈B.具有鼓励创新的组织文化C.以学习为组织的最终目标D.善于不断学习【答案】ABD3、以下属于扩张性财政政策的是（）。A.调低法定准备金率B.减少税收C.提高再贴现率D.扩大财政支出【答案】BD4、人力资源管理部门的工作包括（）。A.建立员工档案B.制定人力资源计划C.员工的招聘和配置D.进行人力资源费用核算，建立人力资源会计体系【答案】ABCD5、现金的审计工作主要包括()。A.审查现金账务是否真实正确B.库存现金盘点C.现金的收支是否正确D.审查现金收付业务是否合法、合规【答案】ABD6、“越是形势好了，越要保持清醒的头脑；越是条件好了，越要保持传统。”这句话蕴含的哲理有（）。A.矛盾双

43、方在一定条件下可以相互转换B.外因也可以成为事物发展的依据C.正确发挥主观能动性，能够促进事物的发展D.条件决定一切【答案】AC7、国际收支是一国在一定时期内从国外收进的全部货币资金和向国外支付的全部货币资金的对比关系，国际收支可能有以下哪几种状况?（）A.借差B.顺差C.逆差D.平衡【答案】BCD8、办理收文是指（）。A.把收文立卷归档B.把收文予以执行办理C.撰文对收文进行答复、批转或转发D.在公文传送单上签字【答案】ABCD9、现有按年收益率 10%，每年付息一次的 100 元债券，期限 5 年。根据上述材料，回答下列问题：A.当市场利率上升时，债券交易价格下跌B.当市场利率上升时，债券

44、交易价格上涨C.当市场利率下跌时,债券交易价格上涨D.当市场利率下降时，债券交易价格下跌【答案】AC10、在 Excel 中，以下（）操作是将当前单元格的左边单元格变为当前单元格。A.按键B.按 键C.按 Enter 键D.按 Shift+Tab 键【答案】AD11、下列各项中，属于影响供给变动的因素有（）。A.生产成本B.消费者的个人收入C.生产者的预期D.产品价格E.消费者偏好【答案】ACD12、下列关于权责发生制的说法中，正确的有（）。A.以本期是否有收款的权利或付款的义务为标准来确认本期的收入和费用B.当期已经发生的收入，如果款项没有收到，就不应当作为当期收入C.不属于当期的收入，即使

45、款项在当期收到，也不应当作为当期收入D.不能将预收或预付的款项作为本期的收入或费用处理【答案】CD13、我国行政法律规范的适用规则是（）。A.溯及既往B.新法优于旧法C.上位法优于下位法D.特别法优于一般法【答案】BCD14、下列关于信用卡和借记卡的区别的说法，不正确的是（）。A.借记卡不进行资信审查，使用前需存款，信用卡视各发卡银行规定，需进行必要的资信审查，对符合申请条件的方予发卡B.借记卡存多少，用多少，不能透支，而信用卡无须存款，先消费，后还款C.借记卡无免息还款期，而信用卡有D.借记卡无预借现金，而信用卡有E.借记卡有利息，信用卡无利息【答案】B15、依照民事诉讼法的相关规定，人民法

46、院在审理（）时，不得适用简易程序。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】BCD16、关于附条件的合同和附期限的合同，下列说法正确的有（）。A.附生效条件的合同，自条件成就时生效，当事人为自己的利益不正当地阻止条件成就的，视为条件已成就B.附解除条件的合同，自条件成就时失效，当事人为自己的利益不正当地促成条件成就的，视为条件不成就C.附生效期限的合同，自期限届至时生效D.附条件期限的合同。自期限届满时失效【答案】ABCD17、银行固定资产的计价方法主要有()。

47、A.按原始价值计价B.按公允价值计划C.按重量完全价值计价D.按净值计价【答案】ACD18、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】ABD19、办理收文是指（）。A.把收文立卷归档B.把收文予以执行办理C.撰文对收文进行答复、批转或转发D.在公文传送单上签字【答案】ABCD20、长期股权投资在取得时，初始投资成本的确定原则为（）。A.以现金购入的长期股权投资，按实际支付的全部价款作为初始投资成本B.实际支付的价款中包含已宣告但尚未领取的现金股利，按实际支付的价款减去已宣告但尚未领取的现金股利后的差额，作为初始投资成本C.通过行政划拨方

48、式取得的长期股权投资，按划出单位的账面价值，作为初始投资成本D.非现金资产换人的长期股权投资，按换出资产的账面价值加上应支付的相关税费，作为初始投资成本【答案】ABCD大题（共大题（共 1010 题）题）一、2002 年 3 月 5 日，美国总统布什决定，从 3 月 20 日起，美国将对大多数钢材征收最高达 30的进口关税，并对原钢板实行进口限额，这意味着来自欧盟、日本、韩国、俄罗斯和中国的价值数 10 亿美元的钢材将无法进入美国这个世界上最大的钢铁市场。对加拿大和墨西哥则实行“豁免”。欧盟表示，要采取相应的措施进行反击。我国也表示，反对美国的这一决定，并采取相应的措施以维护我国的利益。1 用

49、有关经济知识评析美国总统布什的决定。2用有关哲学知识分析美国总统布什的决定必然产生的后果。3用政治常识的有关知识分析我国为什么要反对布什总统的决定。【答案】1(1)市场经济具有平等性、竞争性、法制性和开放性等一般特征，美国的这一做法违背了市场经济特征。(2)非歧视原则是 WT0 的一条重要的基本原则，美国对中国、欧盟、日本、韩国、俄罗斯等国家征收高关税，而对加拿大、墨西哥施行“豁免”，违背了非歧视原则。2(1)意识有能动的反作用。错误的意识阻碍事物的发展，布什总统的决定是错误的，阻碍了美国与欧盟、中国等国家经济贸易的发展。(2)世界上的一切事物处在普遍的联系之中，美国经济同欧盟、中国等国经济是

50、相互联系的。布什总统的错误决定损害了欧盟、中国等国家的经济利益，反过来也给本国经济带来损害。3维护国家利益是主权国家制定和推行对外政策的依据，是对外活动的目的，布什总统的决定是为了美国的国家利益，我国反对布什总统的决定是为了维护我国的国家利益。二、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材料检测实验楼，有关具体事宜待专门批复。专此函复。克格县