甘肃省2023年银行招聘之银行招聘综合知识自我检测试卷B卷附答案.doc

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1、甘肃省甘肃省 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 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、资料：Think for a moment of your definition of persuasion.If youare like most business people I have encountered,you see persuasionas a relatively staightforward process.First,you strongly stateyour position.Seco

2、nd,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 get others to buya good idea.The reality is that following this process is one

3、surefire way to fail at persuasion.A.Most businesspeople see persuasion as a straightforward processB.Unlike most businesspeople effective persuaders are willing toadjust their opinions and hear from othersC.Effective persuaders are open-mindedD.Most businesspeople are more assertive in their persua

4、sion whileeffective persuaders are more friendly【答案】B2、（）to playing games recently，he is easy to feel sleepy inclass.A.AddictedB.AddictingC.Having addictedD.To addict【答案】A3、资料：The increasing amount of personal information that can becollected by computer programs that track how people use Facebook h

5、asbeen revealed by an extensive academic study.A.The study draws peoples attention for private informationB.information can be predicted correctly in the studyC.some personal information may be collected and used by somecompaniesD.if people attempt to keep personal information private,things willcha

6、nge【答案】C4、下列有关中国近代史上重要历史人物与其所做出的贡献，搭配不正确的是（）A.左宗棠一收复新疆B.林则徐一虎门销烟C.李鸿章一辛亥革命D.冯子材一镇南关大捷【答案】C5、I have been looking_your kind reply.A.out forB.down onC.in onD.forward to【答案】D6、列宁说过“没有革命的理论，就不会有革命的运动”。这句话的哲学含义是（）。A.哲学对经济、政治有着决定性的作用B.哲学是社会变革的先导C.哲学指引人们追求美好的未来D.哲学反映了时代的任务和要求【答案】B7、资料：The federal government

7、 on Wednesday recommended anendangered-species listing for the loggerhead turtles in U.S.Waters,a decision that could lead to tighter restrictions on fishing andother maritime trades.Environmental groups who d been pushing anendangered listing said the proposal was a“turning point”they hopewill lead

8、 to greater turtle protections.A.It threatens the sandy beaches on which sea turtles lay eggsB.The rising climate makes it difficult for their eggs to hatchC.The rising sea levels make it harder for their hatchlings to growD.It takes them longer to adapt to the high temperature in the beach【答案】A8、我国

9、专利法规定，下列选项中可授予专利权的是（）。A.仪器设备B.科学发现C.疾病的诊断和治疗方法D.智力活动的规则和方法【答案】A9、资料：Economic performance is improving in most of the worldsleading economies but is still short of a self-sustaining upswing,the Organization for Economic Cooperation and Development said onWednesday.A.The Russias 2017 economic growth f

10、orecast has been revised higherB.The leading economies have achieved sustainable long-term growthC.The OECD is not optimistic about Chinas economic growthD.Indias economic growth forecast have been upgraded【答案】A10、Passage 7A.avoided defining the extent of McDonnells dutiesB.made no compromise in con

11、victing McDonnellC.was contemptuous of McDonnells conductD.refused to comment on McDonnells ethics【答案】C11、中国近代史上第一个不平等条约是（）。A.南京条约B.马关条约C.瑷珲条约D.望厦条约【答案】A12、企业接受的现金捐赠，应计入（）。A.营业外收入B.盈余公积C.资本公积D.未分配利润【答案】A13、The search was based on the same combination of concepts andsearch terms and_another 176 publi

12、cations.A.yieldedB.offeredC.providedD.supplied【答案】B14、Passage2A.The waves would move him backwardsB.The water would choke himC.He would immediately sink to the bottomD.He would be exhausted or unconscious【答案】D15、下列叙述正确的是（）。A.用高级程序语言编写的程序称为源程序B.计算机能直接识别并执行用汇编语言编写的程序C.机器语言编写的程序必须经过编译和连接后才能执行D.机器语言编写的程

13、序具有良好的可移植性【答案】A16、资料：From Coins to Credit Banking Throughout the Ages is aconcise history of banks and the banking industry from ancient timesto the present.James Gallagher,who has made a career of coveringfinancial news for several newspapers,has done a careful job ofinvestigating his subject.Altho

14、ugh he presents the facts carefully,Mr.Gallagher has made what could have been a dry book into one thatis interesting and enjoyable.By telling amusing anecdotes abouthistorical figures,he makes them come alive.Even people who are notparticularly attracted to the subject matter will find this bookeng

15、rossing.A.It is very longB.It is entertainingC.It describes people from the pastD.It is well researched【答案】A17、May is as（）as a peacock and always wants to be the center.A.beautifulB.smartC.slenderD.vain【答案】D18、国家主席习近平 2020 年 3 月 6 日在京出席决战决胜脱贫攻坚座谈会并发表重要讲话。他强调，到 2020 年现行标准下的（），是党中央向全国人民作出的郑重承诺，必须如期实现。

16、A.完成扶贫领域作风建设B.贫困地区基本生活改善C.农村贫困人口全部脱贫D.完成易地扶贫搬迁建设【答案】C19、“分配股利、利润或偿付利息所支付的现金”项目属于（）。A.投资活动现金流B.经营活动现金流C.融资活动现金流D.利润分配现金流【答案】C20、()是指企业在日常活动中发生的、会导致所有者权益减少的、与向所有者分配利润无关的经济利益的总流出。A.负债B.收入C.费用D.利润【答案】C21、资料：2014 has been a landmark year for Alibaba.Just last week,the Chinese e-commerce juggernaut set a

17、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 Alibaba.A.35 millionB.45 millionC.780 millionD.80 million【答案】A22、批复是答复下级请示的文件，是（）。A.被动发文

18、B.主动发文C.是对报告的批件D.下级没有请示，用来指导工作的【答案】A23、经济成本和经济利润具有以下特征（）。A.前者比会计成本小，后者比会计利润大B.两者都比相应的会计成本和会计利润大C.前者比会计成本大，后者比会计利润小D.两者都比相应的会计成本和会计利润小【答案】C24、资料：Everyone knows airline pricing is based on supply anddemand.Fares are more expensive during peak travel seasons likesummer and to prime destinations like Eu

19、ropean capitals.So if aflight to Rome costs more than a flight to Milan,youd think thatdemand for Rome must be higher or supply lower.A.Because all people prefer the shortest route to their destinationB.Because airlines take advantage of peoples preference for directflightsC.Because connecting fligh

20、ts may cause some inconvenienceD.Because airlines charge customers different prices for the sameproduct【答案】B25、以下选项是金融的特征的是()。A.金融是非信用交易B.金融只能发生在本机构之间C.金融必须以资本为对象D.金融原则上必须以货币为对象【答案】D26、While they mainly have _Japanese tourists previously，luxurystores in Paris now employ Mandarin-speaking assistants

21、forcustormers from China.A.amounted toB.referrde toC.adhered toD.catered to【答案】D27、认为利率纯粹是一种货币现象，利率水平由货币供给与货币需求的均衡点决定的理论是（）。A.马克思的利率决定理论B.实际利率理论C.可贷资金论D.凯恩斯的利率决定理论【答案】D28、The boy（）when he said that he（）the eggs（）by the hen inthe closet before he（）down to have a rest。A.was lying，had laid，laid，layB.ha

22、d laid，lay，laid，was lyingC.lay，was lying，lain，layD.laid，lay，lain，lies【答案】A29、资料：Special needs students can not only learn from regulareducation teachers,but can participate in collaborative learningwith mainstream students as well.Collaborative learning allowsstudents to work together in groups to c

23、omplete lessons andassignments.A.It helps special needs students think creativelyB.It helps special needs students from all the attending studentsC.It helps special needs students learn varied ability fromclassmatesD.It helps students work together on solving problems and assignments【答案】D30、资料：Are w

24、alkers smarter than drivers?A.Different choices of transportationB.Increased urbanizationC.The correlation between education levels and GDPD.A study conducted by an urban advocacy group【答案】D31、据统计，自去年 9 月份以来，纯碱价格已经从 1400 元/吨左右上涨至 2200元/吨左右，涨幅约 60%。假设纯碱与甲商品是替代品，与乙商品是互补品。那么在其他条件不变的情况下，以下说法正确的是（）。A.甲商品

25、需求量会增加，乙商品需求量会增加B.甲商品需求量会减少，乙商品需求量会减少C.甲商品需求量会增加，乙商品需求量会减少D.甲商品需求量会减少，乙商品需求量会增加【答案】C32、Swimming is an all-body workout。It_small muscle groups thatoften get ignored in other workouts。A.helpsB.keepsC.healsD.works【答案】D33、资料：Imagine you went to a restaurant with your girlfriend,hada burger,paid with a c

26、redit card,and left.The next time you gothere,the waiter or waitress,armed with your profile data,greetsyou with,“Hey Joe,how are you？Mary is over there in the seat yousat last time.Would you like to join her for dinner again？”Thenyou find out that your burger has been cooked and placed on the table

27、.Forget the fact that you are with another date and are on a diet thatdoesnt include burgers.A.show the good services offered in some web restaurantsB.criticize some restaurants for the poor servicesC.show the Internets ability to collect data on youD.prove the incredible power of the Internet to ch

28、ange your diet【答案】C34、CPU 处理数据的运作原理可以分为提取、解码、执行和（）四个阶段。A.译码B.编码C.写回D.控制【答案】C35、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 deri

29、vatives center,andHouston,the largest city 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 fina

30、ncialdevelopmentC.Paris has many advantages that may help in its future financialdevelopmentD.Paris offers good quality of life as well as good transport links【答案】A36、揭示事物发展具有前进性和曲折性相统一的规律是（）。A.联系和发展的规律B.对立统一规律C.质量互变规律D.否定之否定规律【答案】D37、The left wing party wants to keep these two actions _.A.combinati

31、onB.combiningC.combinedD.combine【答案】C38、资料：Theres a good chance that spicy crunchy tuna roll youordered for lunch doesnt actually contain any tuna at all.A.Many sushi restaurants refuse to serve some fish because of therisk of fake fishB.People have access to track the origins of fish sold in sushi

32、shopsC.Most fish sold in sushi stores is mislabeled but new tech can helpto fix the problemD.Citizens in the US no longer trust the fish sold in sushi venues【答案】C39、A 银行 2019 年年初共有正常类贷款 900 亿元，在 2019 年年末转为关注类、次级类、可疑类、损失类的贷款金额分别为 50 亿元、30 亿元、15 亿元和5 亿元，期初正常类贷款期间因回收减少了 200 亿元、因核销减少了 300 亿元，则该银行 2019 年

33、的正常类贷款迁徙率为（）。A.15B.25C.50D.100【答案】B40、资料：Most young people enjoy some form of physical activity.Itmay be walking,cycling or swimming,or in winter,skating or skiing.It may be a game of some forms,football,hockey,golf,or tennis.Itmay be mountaineering.A.natureB.each otherC.other teamsD.international s

34、tandards【答案】A41、Next Monday is Tinas anniversary of the entry to Apple Inc.She_by the company for 15 whole years by then.A.will have been employedB.will have employedC.has been employedD.will employed【答案】A42、我国人民币汇率采取的标价方法是（）。A.直接标价法B.间接标价法C.美元标价法D.双向标价法【答案】A43、资料：The increasing amount of personal i

35、nformation that can becollected by computer programs that track how people use Facebook hasbeen revealed by an extensive academic study.A.To show the importance of it in peoples lifeB.To support that people can collect information from FacebookC.To give an example of the information predicted in the

36、 studyD.To illustrate the percentage of people with religious belief【答案】C44、Recently,Xiangning started to communicate with Mike,the contactperson of Monsell.A.ofB.toC.forD.In【答案】B45、“我劝天公重抖擞，不拘一格降人才!”出自（）的诗句。A.梁启超B.龚自珍C.康有为D.林则徐【答案】B46、资料：It is September of 1998,Im sitting in a windowlessoffice room

37、 inside the Office of the Independent Counsel underneathhumming fluorescent lights.Im listening to the sound of my voice onsurreptitiously taped phone calls that a supposed friend had made theyear before.For the past eight months,the mysterious content ofthese tapes has hung like the Sword of Damocl

38、es over my head.A fewdays later,the Star Report is released to Congress,and all of thosetapes and transcripts,those stolen words,form a part of it.Thatpeople can read the transcripts is horrific enough,but a few weekslater,the audio tapes are aired on TV,and significant portions madeavailable online

39、.The pubic humiliation was excruciating.(1)A.The idea of committing suicideB.The urgent peril to the authors lifeC.The harm caused by cyberbullyingD.The hatred to those who cheated the author【答案】C47、一般均衡经济理论中，商品的供给和需求依赖于经济体中（）的价格。A.所有其他商品B.技术研发C.单一商品D.相关商品【答案】A48、Global warming is causing more than

40、300,000 deaths and about$125billion in economic losses each year,according to a report by theGlobal Humanitarian Forum,an organization led by Annan,the formerUnited Nations secretary general.A.Its conclusions are based on carefully collected dataB.It is vulnerable to criticism if the statistics are

41、closelyexaminedC.It will give rise to heated discussions at the CopenhagenconferenceD.Its rough estimates are meant to draw the attention of worldleaders【答案】D49、Clarkson Library will be closed for renovations from May 3 toJuly 15,_ which time the collection will not be open to thepublic.A.withB.betw

42、eenC.duringD.while【答案】C50、现金清查中，发现现金短缺 500 元，经研究决定由出纳人员赔偿 300 元，余款报损。则批准处理后的会计分录为（）。A.借：库存现金 500 贷：待处理财产损溢 500B.借：待处理财产损溢 500 贷：现金 500C.借：其他应收款 300 营业外支出 200 贷：待处理财产损溢 500D.借：其他应收款 300 管理费用 200 贷：待处理财产损溢 500【答案】D多选题（共多选题（共 2020 题）题）1、2020 年 4 月 29 日，市场监管总局印发公告，发布个人健康信息码系列国际标准。该系列标准采用了国家标准快速程序，从立项到发布

43、仅用了 14 天时间。该系列国家标准实施后，可实现个人健康和信息共享利用，适用于指导健康码相关信息系列的设计、开发和系统集成。A.数据内容统一B.码制统一C.信息共享统一D.展现方式统一【答案】ABD2、下列属于金融机构主要职能的有（）。A.金融服务B.创造信用工具C.管理人民币流通D.支付中介E.信用中介【答案】ABD3、我国商业银行附属资本包括（）。A.各项损失准备B.实收资本C.未分配利润D.长期次级债务【答案】AD4、甲雇杀手乙杀丙，言明不要造成其他后果。乙几次杀丙均未成功，后来采取爆炸方法，对丙的住宅(周边没有其他人与物)进行爆破，结果将丙的妻子丁炸死，但丙安然无恙。关于本案，下列说

44、法错误的有（）。A.甲与乙构成共同犯罪B.甲成立故意杀人罪(未遂)C.乙对丙成立故意杀人未遂，对丁成立过失致人死亡罪D.乙对丙成立爆炸罪，对丁成立过失致人死亡罪【答案】BCD5、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E.从事国库券【答案】ABCD6、账务处理程序是指（）相结合的方式。A.会计要素B.会计凭证C.会计账簿D.会计报表【答案】BCD7、组织变革的内部动因包括（）。A.战略的调整B.环境资源的变化C.员工受教育程度的提高D.组织规模和范围扩大E.设备引进与技术的变化【答案】ACD8、影响客户还贷能力的因素，包

45、括（）。A.担保人的经济实力B.济效益C.还款资金来源D.贷款用途E.现金流量构成【答案】ABC9、单位可以开立以下（）用途的专用存款账户。A.基本建设基金B.注册验资C.社会保障基金D.单位银行卡备用金【答案】ACD10、下列选项中，关于需求、供给、价格三者之间关系描述正确的是（）。A.需求 供给，价格可能趋于上升B.需求 供给，价格可能趋于上升C.需求 供给，价格可能趋于下降D.需求 供给，价格可能趋于下降【答案】AD11、紧急避险的条件包括（）。A.为了国家、公共利益免受危险B.预测即将发生危险C.保全的利益要大于损失D.危险正在发生【答案】ACD12、风险管理的“三道防线”包括（）。A

46、.业务团队B.风险管理团队C.内部审计团队D.内部稽核团队E.科技团队【答案】ABC13、借贷记账法的基本内容包括（）。A.记账符号B.账户结构C.记账规则D.试算平衡【答案】ABCD14、银行行处领导和有关人员核对银行相关款项的方法为（）。A.应该到银行的库房，对库存现金、外币、金银等进行认真核对B.银行行处领导无须到银行的库房，对库存现金、外币、金银等进行核对C.必须保证账款、账实相符D.适当长款或短款没有关系【答案】AC15、短期政府债券的特点有（）。A.以国家信用为担保B.不存在违约风险C.极易在市场变现D.收益免缴所得税【答案】ACD16、下列影响政策执行有效性的因素有（）。A.政策

47、方案的合法性、合理性、可执行性B.政策执行主体的积极与否C.政策对象的配合与否D.政策执行的环境【答案】ABCD17、大额可转让定期存单最早产生于美国。美国的Q 条例规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20 世纪 60 年代，美国市场利率上涨，高于Q 条例规 定的上限，资金从商业银行流人金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。A.商业银行贷款业务“表外化”B.贷款结构的变化C.贷款证券化D.与市场利率密切联系的贷款形式不断出现【答案】ABCD18、对银行业金融机构的重组方案的实施的方式有（）。A.合并B

48、.兼并收购C.购买D.承接【答案】ABCD19、关于中行社会责任和慈善活动，中国银行荣获（）奖项。A.最具社会责任感品牌B.最具社会责任金融机构奖C.社会责任最佳公益慈善贡献奖D.最具慈善行动力品牌【答案】BC20、银行机构财务监管的内容包括（）。A.收入的来源与结构B.支出的去向与结构C.资产的来源与结构D.资源的来源与结构【答案】AB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

49、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

50、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。假如你现在加入该探究小组，请继续探究以下问题：运用经济常识，就废旧电池的回收和处理问题，向政府有关部门提出建议。【答案】(1)从实施可持续发展战略的高度，重视废旧电池的回收、处理和再利用。(2)运用财政、金融和税收等经济手段，引导有关企业和消费者的行为，搞好废旧电池的回收、处理和再利用。(3)制定并严格执行