甘肃省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、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 A A 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、失业对社会稳定和经济健康发展都有十分严重的危害，为了对失业进行更深入地研究，经济学按失业的原因将其分为不同类型，下列不属于经济学按失业原因分类的是（）。A.摩擦性失业B.结构性失业C.放开性失业D.周期性失业【答案】C2、资料：The market is a concept.If you are growing tomatoes in yourbackyard for sale you are producing

2、for the market.You might sellsome 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.seriousB.trueC.importantD.real【答案】D3、Under

3、 no circumstances_without looking carefully to the rear.A.should one back up a motor vehicleB.a motor vehicle should back upC.one should back up a motor vehicleD.should back up a motor vehicle【答案】A4、根据双因素理论，员工感到不满的主要原因是（）。A.激励因素缺乏B.保健因素缺乏C.激励因素充足D.保健因素充足【答案】B5、Education has a value of consumption an

4、d its demand will depend onits own price，prices of other goods，and_income.A.domesticB.homeC.houseD.household【答案】D6、资料：What if you were told there was a way you may strengthenyour cognitive skills and heighten your intelligence,and all you hadto do was was learn to strike up basic conversations in an

5、otherlanguage?A.seem more productive in the job marketB.comfortably travel to foreign countriesC.get to know different culturesD.all of the above【答案】D7、Passage 7A.Patients seldom receive due care towards the end of the dayB.Prescription of antibiotics can be harmful to patientshealthC.cision fatigue

6、 may prevent people making wise decisionsD.Medical doctors are especially susceptible to decision fatigue【答案】C8、证明实物资产是否存在的非常有说服力的证据是()。A.书面证据B.环境证据C.实物证据D.口头证据【答案】C9、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Although internal control isan important

7、 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.person is required to keep the cus

8、tody of asset as well asaccounting recordsB.person is required to order merchandise and supplies and to receivethem as wellC.person is required to handle cash and another one to maintainaccounting recordsD.traveling salesperson is required to present reports showing thenumber of calls made on custom

9、ers【答案】C10、Surprises_:three-season riverfront beach bars,nightlifethats among Europes best,and low-rise_that reward wandererswho use the citys dozens of old steeples as compass points.A.abounds,charmB.abounds,charmsC.abound,charmD.abound,charms【答案】D11、Lets face it.Gardening fanatics like nothing bet

10、ter than to havetheir hands stuck in the soil or to be trimming,pruning,or harvestingthe fruits of their labors.But for once,here is an obsession whichbenefits the whole community by beautifying the environment andproducing cooler,more fragrant,and cleaner air.To recognize thatfact,the Tampa City Co

11、uncil has decided to award generous prizes tothe most beautiful displays this spring.A.All residents of TampaB.The owners of gardening storesC.The members of the Tampa City CouncilD.The judges of the competition【答案】A12、资料：Asked to name their favorite city,many Americans wouldselect San Francisco whi

12、ch 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 duringthe war with Mexico.A.heavy industryB.governmental headquartersC.gold miningD.trade and tourism【答案】D13、_ just six months

13、ago,Finsons Grill has quickly become oneof the most popular restaurants in Detion.A.OpenedB.Had been openingC.Been openedD.To open【答案】A14、堆泥土，甲单独搬运要 20 天，乙单独搬运要 10 天。若甲先搬运一天，然后乙接替甲搬运一天，再由甲接替乙搬运 1 天两人如此交替工作，那么搬运完这堆泥土共需（）天。A.13B.14C.15D.16【答案】B15、资料：Your Company Logo and Contact InformationA.the trans

14、fer of key staffB.an extensive survey of all employeesC.the help of Jamine AnsonD.some meeting with the staff of Plant Operations【答案】A16、The_of their years of education was 10.96 with a minimum of7 and a maximum of 17.A.meanB.medianC.modeD.average【答案】B17、资料：Our goal with the new MacBook was to do th

15、e 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-generation Intel pr

16、ocessors,improved graphics performance,faster flash storage,and up to 10 hours of battery life.MacBook iseven more capable.A.A noticeB.An advertisementC.A proposalD.A memo【答案】B18、承担法律责任的主要形式是（）。A.民事制裁B.刑事制裁C.行政制裁D.法律制裁【答案】D19、下列指标中应采用算术平均方法计算平均数的是（）。A.企业年销售收人B.男女性别比C.国内生产总值环比发展速度D.人口增长率【答案】A20、企业接受的

17、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】A21、资料：Early ExperiencesA.The nearest customersB.The virtual customersC.People that pretend to be customersD.The VIPs【答案】C22、Passage 4A.build up their confidence at schoolB.find work experience opportunitiesC.improve their social skills for the futureD.play a

18、n active role in the change of society【答案】D23、According to a recent report,depression is the secondleading_of disability worldwide.A.causeB.considerationC.factD.matter【答案】A24、资料：What，if anything，do we gain by clinging to ourantioxidant supplements？A.A large amount of antioxidant supplements are not

19、necessaryB.Oxidation can not do anything good at all to our bodyC.Plants surviving hard conditions can produce a lot of antioxidantD.Antioxidant supplements can improve ones physical performance【答案】A25、当看跌期权的履约价格髙于相关期货价格时，该期权被称为(）。A.实值期权B.虚值期权C.两平斯权D.欧式期权【答案】A26、按照目前近代物理研究的最新成果，物质的最小的构成单位是(）。A.质子B.中

20、子C.纳米D.夸克【答案】D27、民法调整（）的人身关系和财产关系。A.平等主体的公民之间、法人之间、公民和法人之间B.法人之间C.公民和法人之间D.公民之间、法人之间、公民和法人之间【答案】A28、设立农村商业银行的注册资本最低限额为（）元人民币。A.10 亿B.1 亿C.2 亿D.5000 万【答案】D29、政府无论调高或者调低价格，其结果（）。A.都会使消费者得到好处B.都会使生产者得到好处C.都会使供求失衡现象消失D.都可能使供求失衡现象持续存在【答案】D30、资料：Do you want to see the world?Then plan to visit the SilverPo

21、seidon Cruises Career Fair on Tuesday,November 15 from 9 a.m.to 4p.m.or Wednesday.November 16 from 5 p.m.to 9 p.m.We are lookingfor food service,entertainers,and maintenances staff to work aboardour many vessels.Free travel is just the beginning when you work forSilver Poseidon Cruises.A.By sending

22、an e-mailB.By going to the WebsiteC.By calling Ms.RuizD.By visiting the corporate office【答案】B31、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】B32、资料：Do you want to see the world?Then plan to visit the SilverPoseidon Cruises Career Fair on Tuesday,November 15 from 9 a.m.to 4p.m.or Wednesday.

23、November 16 from 5 p.m.to 9 p.m.We are lookingfor food service,entertainers,and maintenances staff to work aboardour many vessels.Free travel is just the beginning when you work forSilver Poseidon Cruises.A.By sending an e-mailB.By going to the WebsiteC.By calling Ms.RuizD.By visiting the corporate

24、office【答案】B33、资料：Bank CD is the instrument uniformly figuring in theinvestment options of most investors.Bank of India CDs are safe,FDIC insured&offer decent returns.There is no brokerage,no feesor hidden costs.However,the Bank may impose a fee foradministrative expenses involved in any legal action

25、 in connectionwith the CD.Look at our Star CD plan below.A.CD is a safe instrumentB.Bank of India is safeC.CD is insuredD.All of the above【答案】D34、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 Blito

26、n in 43 AD the Dormons built a bridgeacross 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

27、was born.A.The history of Taikong CityB.The stone wall was around Taikong CityC.The origination of Taikong City,s nameD.rebellion against the Dormans【答案】A35、通过（）逐笔核对，核实入账的支票是否与事实相符，特别应注意账号是否相符。A.银行对账单B.支票存根与对账单C.日记账D.银行余额调节表【答案】B36、Most economic data,_regarding hiring is positive.A.completelyB.exclu

28、sivelyC.particularlyD.specifically【答案】D37、The empirical evidence suggests that_extra working hours canhave positive effects on labor market outcomes,while othersreporting zero or negative effects.A.absorbingB.adoptingC.abolishingD.abandoning【答案】D38、生产者的法定免责事由不包括（）。A.未将产品投入流通的B.产品投入流通时，引起损害的缺陷尚不存在的C.

29、将产品投入流通时，当时的科技水平尚不能发现缺陷存在的D.产品投入流通时，虽明知有缺陷，但无法避免的【答案】D39、Could you tell me what time the train leaves Hefei for Beijing?一 Im afraid you need to _on the internet.A.look for itB.look at itC.look it overD.look it up【答案】D40、下列哪个选项不在世界四大文明古国之列？（）A.巴比伦B.雅典C.埃及D.印度【答案】B41、资料：Stress is a common factor in li

30、fe.Children experiencestress from school,new social situations and simply growing up.Adults feel the stress of working,paying bills,raising kids andmaintaining households.Seniors also feel stress,even though somemay have retired,raised their children and paid off their homes.Certain amounts of stres

31、s are a part of life for people of all ages.A.Stress is experienced by everyoneB.Stress is common and can be detectedC.Stress cannot be preventedD.Stress is everywhere and hard to deal with【答案】B42、资料：Everyone knows airline pricing is based on supply anddemand.Fares are more expensive during peak tra

32、vel seasons likesummer and to prime destinations like European 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.NeutralB.PositiveC.NegativeD.Not mentioned【答案】C43、资料：It seems simple enough.Take all the line-forming andpap

33、er-filling busy work of the government,and put it all up on theInternet.Now,in order to report a pot-hole,pay your property tax,complain to an official or cast a vote,just log on and hit a fewbuttons.Goodbye bureaucracy,hello e-cracy?A.E-government is on the increase and well fundedB.The investment

34、on e-government is adequateC.Government officials interest in e-government is decliningD.E-government is convenient and flexible【答案】D44、资料：Above the line promotion uses mass media such as thepress,radio,television,cinema or poster sites.This type of promotionis usually paid for.Each of the possible

35、media methods can be usedto target audiences in different market segment.There are bothstrengths and drawbacks to these forms of media:A.it is hard to evaluate the effectiveness of a campaignB.the media are often expensiveC.it aims at specific audiencesD.it may have an immediate impact【答案】B45、A _ cr

36、iminal must have the benefit of the _ untilwere certain hes guilty.A.suspected;doubtB.doubted;suspectC.doubted;doubtD.suspected;suspect【答案】A46、联合国总部设在（）。A.日内瓦B.维也纳C.瑞士D.纽约【答案】D47、Two years ago,Rupert Murdochs daughter,Elisabeth,spoke ofthe“unsettling dearth of integrity across so many of ourinstitut

37、ions”.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.The quality of writings is of primary importanceB.mmon humanity is centra

38、l to news reportingC.Moral awareness matters in editing a newspaperD.Journalists need stricter industrial regulations【答案】C48、汽车轮胎上的沟纹的主要作用是（）。A.增加与地面的摩擦B.排除雨水和泥水C.增加车身的缓冲D.保护内胎，防止刺破【答案】A49、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】A50、国家税务总局近日印发通知，要求全国税务系统贯彻落实好各项减税降费政

39、策，确保企业和人民群众有实实在在的获得感，提振市场信心，促进经济实现高质量发展。据介绍，国家税务总局专门设立（），负责集中受理和协调解决中小微企业涉税诉求。通知要求，各省税务机关也要指定专门部门、安排专人负责中小微企业服务工作。2019 年上半年，国家税务总局将以小微企业普惠性减税等政策落实情况为重点，组织开展减税降费工作督导。A.小微企业咨询点B.小微企业办事中心C.小微企业服务处D.小微企业优惠中心【答案】C多选题（共多选题（共 2020 题）题）1、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

40、张，物价增长加快的趋势。对此，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】BC2、由于过量砍伐，使得我国某些地区的森林覆盖面积下降，水土流失严重。气候反常灾害频繁。这种教训告诉我们（）。A.事物的量超过了限度就会引起质变B.事物的发展是波浪式的前进运动C.事物是普遍联系的，要用普遍联系的观点看问题D.要尊重客观规律，按客观规律办事情【答案】ACD3、我国大型商业银行不包括（）。A.国家开发银行B.中国农业银行C.中国建设银行D.中国农业发展银行【答案】AD4、会计凭证以其填制手续及

41、内容可划分为()。A.一次凭证B.累计凭证C.通用凭证D.汇总凭证【答案】ABD5、对银行机构流动性监管内容有（）。A.流动性负债大于自有资本B.资产负债期限匹配C.流动性应保持在适度水平D.银行资产变化情况【答案】BCD6、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】ABCD7、目前我国开办的储蓄种类有（）。A.活期储蓄存款B.定期储蓄存款C.整存零取定期储蓄存款D.定活两便储蓄存款【答案】ABCD8、金融抑制的主要危害有（）。A.传递各种错误信息，引

42、导错误决策B.造成生产和投资结构不合理C.导致资源的错误配置D.压低利率、汇率E.可贷资金的非价格配给【答案】ABC9、行政复议撤销决定的适用情形有（）。A.超越职权B.滥用职权C.适用法律错误D.具体行政行为明显不当【答案】ABCD10、银行业从业人员的下列行为中，符合“岗位职责”有关规定的是（）。A.不打听与自身工作无关的信息B.未经内部职责调整或批准，不为其他岗位人员代为履行职责C.当有急事需要处理时，将规定自己保管的钥匙交与其他工作人员暂时代为保管D.未经内部职责调整或批准，不将本人工作委托他人代为履行【答案】ABD11、与其他商业银行相比，新成立的中国邮政储蓄银行的特征有（）。A.以

43、零售和中间业务为主B.为广大农村地区居民提供基础金融服务C.存款和贷款总额最高D.与其他商业银行之间为互补关系【答案】ABD12、马克思的货币必要量规律的前提条件是（）。A.黄金是货币商品B.信用货币流通C.商品价格总额既定D.只是流通手段【答案】ACD13、银行规范化服务的原则是（）。A.客户第一B.信誉第一C.效率第一D.安全第一【答案】ABCD14、下列各项中属于非关税壁垒措施的是（）。A.某进口国和出口国谈判自愿限制某些商品在一定时间内的出口数量B.某国政府给予国内的供应商优先获得政府公共采购订单C.某进口国政府对电子产品设定较高的技术标准D.某国对进口的化妆品采取卫生检疫，限制国外化

44、妆品的进口【答案】ABCD15、在证券组合理论中，投资者的共同偏好规则是指（）。A.投资者总是选择期望收益率高的组合B.投资者总是选择估计期望率方差小的组合C.如果两种证券组合具有相同的期望收益率和不同的收益率方差，那么投资者会选择方差较小的组合D.如果两种证券组合具有不同的期望收益率和相同的收益率方差，那么投资者会选择收益率高的组合【答案】CD16、下列属于核心资本扣除项的是（）。A.商誉B.商业银行对非自用不动产和企业资本投资的 50%C.核心资本的所有者必然要求享有的垄断利润D.商业银行对未并表金融机构资本投资的 50%【答案】ABD17、金融市场的基本要素包括（）。A.金融市场交易的参

45、与者B.金融工具C.金融市场中介D.金融交易场所E.金融市场价格【答案】ABC18、下列各种凭证属于外来原始凭证的有（）。A.银行转来的结算凭据B.出差人员填制的差旅费报销单C.仓库保管员填制的收料单据D.购买外单位原材料收到的发货票【答案】AD19、采用追溯调整法，需要做的工作有（）。A.在会计政策变更的当年采用新的会计政策B.在会计政策变更以后的年度采用新的会计政策C.计算变更当期期初的会计政策变更累积影响数D.重编以前年度的财务报表【答案】ABCD20、银行业从业人员的下列行为中，符合“岗位职责”有关规定的是（）。A.不打听与自身工作无关的信息B.未经内部职责调整或批准，不为其他岗位人员

46、代为履行职责C.当有急事需要处理时，将规定自己保管的钥匙交与其他工作人员暂时代为保管D.未经内部职责调整或批准，不将本人工作委托他人代为履行【答案】ABD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，

47、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

48、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)制定并严格执行有关法规，规范废旧电池的回收和处理。(4)运用行政手段，加强管理和监督。二、2006 年 8 月 20 日，A 公司向 B 公司签发了一张金额为 10 万元的商业汇票该汇票载明出票后 1

49、 个月内付款。C 公司为付款人，D 公司在汇票上签章作了保证，但未记载被保证人名称。B 公司取得汇票后背书转让给 E 公司，E 公司又将该汇票背书转让给 F 公司，F 公司于当年 9 月 12 日向 C 公司提示承兑，C公司以其所欠 A 公司债务只有 8 万元为由拒绝承兑。F 公司拟行使追索权实现自己的票据权利。要求：根据上述情况和票据法律制度的有关规定，回答下列问题：(1)F 公司可行使追索权的追索对象有哪些?这些被追索人之间承担何种责任?(2)C 公司是否有当然的付款义务?C 公司如果承兑了该汇票，能否以其所欠 A 公司债务只有 8 万元为由拒绝付款?简要说明理由。(3)本案中，汇票的被保

50、证人是谁?简要说明理由。如果 D 公司对 F 公司承担了保证责任，则 D 公司可以向谁行使追索权?简要说明理由。【答案】(1)F 公司可行使追索权的追索对象包括：E 公司、B 公司、D 公司和 A公司。这些被追索人之间承担连带责任。(2)C 公司没有当然的付款义务。C 公司如果承兑了该汇票，则不能以其所欠 A 公司债务只有 8 万元为由拒绝付款。票据法第 13 条第 1 款规定：“票据债务人不得以自己与出票人或者与持票人的前手之问的抗辩事由，对抗持票人。但是，持票人明知存在抗辩事由而取得票据的除外。”本假设条件中，C 公司以其与出票人 A 公司之间的抗辩事由来对抗持票人 F 公司是不符合规定的