辽宁省2023年银行招聘之银行招聘综合知识题库附答案（基础题）.doc

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1、辽宁省辽宁省 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（基础题）答案（基础题）单选题（共单选题（共 5050 题）题）1、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 g

2、oing to be around in the next 5-10 years.Somestudies say 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.As new industries arise,the popularity of different careers alsochangeB.Nowaday

3、s people dont know what they really want to doC.Because changing careers is becoming more popularD.Because one could have as many as nine careers in his professionallifetime【答案】A2、资料：The data a bank has stored on its servers is more valuablethan the gold in its vaults.Banks enjoy a monopoly over dat

4、a thathas helped them get away with poor services and fend off competitors.In Europe,at least,that is all about to change with a new set ofregulations,named PSD2.A.Customers are forced to share their bank dataB.Banks are required to open up their entire operational systemC.Regulators should be both

5、tough and flexibleD.Banks and third parties should be regulated with a light touch【答案】C3、M2 又称为广义货币供给量，是判断宏观信用松紧环境的常用指标，在各国有不同的统计口径。根据中国人民银行的规定，以下不属于 M2 的是（）。A.活期存款B.流通中现金C.银行准备金D.定期存款【答案】C4、资料：With 55%of consumers customer service interactionsstarting online and 63%of adults using their smartphone

6、severaltimes a month to seek customer service，your mobile customer servicetactics are more important than ever.A.It forbids customers to goB.It helps you gain new customersC.Because of customers are using their smartphone to seek customerserviceD.It prevent losing customers entirety【答案】B5、某国某年的出口额为

7、200 亿美元，进口额为 130 亿美元，则该国该年的贸易差额为（）。A.贸易赤字 70 亿美元B.贸易顺差 70 亿美元C.贸易逆差 70 亿美元D.人超 70 亿美元【答案】B6、下列各项中，不具有行政主体资格的是（）。A.乡镇人民政府B.公安派出所C.街道办事处D.公安局法制科【答案】D7、资料：Why is Salt Bad for You?A.his family doctorB.a heart specialistC.research scientistsD.a nutrition expert【答案】D8、在安索夫产品市场矩阵中，（）即市场渗透。A.现有市场新产品B.新市场新产品

8、C.现有市场现有产品D.新市场现有产品【答案】C9、2017 年 4 月份，某省规模以上食品工业增加值同比增长 15.0%，比全省规模工业平均水平高 9.4 个百分点。其中，农副食品加工业增长 14.0%，食品制造业增长 18.6%，酒、饮料和精制茶制造业增长 13.9%。14 月，规模以上食品工业产值累计增长 11.6%，增幅比全省规模工业平均水平高 4.5 个百分点。A.38.5%B.42.6%C.53.7%D.78.8%【答案】D10、“三网”融合中的“三网”不包括（）。A.电信网B.广播电视网C.互联网D.卫星通信网【答案】D11、营业推广的目标通常是（）。A.了解市场，促进产品试销对

9、路B.刺激消费者即兴购买C.降低成本，提高市场占有率D.帮助企业与各界公众建立良好关系【答案】B12、在保险市场上，“道德风险”是指（）。A.保险公司不能区分低风险顾客和高风险顾客B.高风险顾客有激励提供错误信号使保险公司相信他是低风险顾客C.保险公司可能会根据种族、性别和年龄来断定哪些是高风险顾客D.顾客在购买保险后会改变自己的行为，即他在购买保险后的行为比之前更像一个高风险的顾客【答案】D13、资料：Earlier this month,presidents Barack Obama of the US andXi Jinping of China made an important sy

10、mbolic gesture when theycommitted their countries,the two largest greenhouse gas emitters,to the Paris climate agreement.It was the clearest signal yet toinvestors worldwide that they need to think about the implications ofglobal warming for their portfolios.A.Stop the Dakota Access permanentlyB.Joi

11、n the Paris climate agreementC.Require federal agencies to take climate change into considerationwhen making decisionsD.Suspend the construction of Dakota Access【答案】A14、资料：With 55%of consumers customer service interactionsstarting online and 63%of adults using their smartphone severaltimes a month t

12、o seek customer service，your mobile customer servicetactics are more important than ever.A.It forbids customers to goB.It helps you gain new customersC.Because of customers are using their smartphone to seek customerserviceD.It prevent losing customers entirety【答案】B15、资料：Earlier this month,president

13、s Barack Obama of the US andXi Jinping of China made an important symbolic gesture when theycommitted their countries,the two largest greenhouse gas emitters,to the Paris climate agreement.It was the clearest signal yet toinvestors worldwide that they need to think about the implications ofglobal wa

14、rming for their portfolios.A.To reduce the risk of global warming,more should be invested onlow-emissions energy sourcesB.Climate change is not only a climate issue,but also a businessissueC.Its more difficult to quantify the greenhouse gas emissions onthe Dakota Access than Keystone XLD.US and Chin

15、a will work together to cope with climate change【答案】D16、资料：之后，经济学家 Mr.X 展望了中欧之间的商业机遇，请根据下列资料回答问题。A.Go to sourcing sites-contact prospective suppliers-attend sourcingfairs-orderB.Go to sourcing sites-visit factories-test samples-attend sourcingfairs-orderC.Go to sourcing sites-contact prospective sup

16、pliers-state demands-test samples-orderD.Go to sourcing sites-visit factories-state demands-test samples-order【答案】C17、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 c

17、hoice.A.They have concerns of the security 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 acc

18、uracy【答案】B18、Dorothy was always speaking highly of her role in the play,_，ofcourse,madethe others unhappy.A.whoB.whichC.thisD.what【答案】B19、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

19、return the office during normalworking hours。A.Because they never know what kind of work requests will be askedoff hoursB.Because they are required by the company to answer emails off hoursC.Because smart phones and tablets keep us connected all the timeD.None of above【答案】A20、金融市场最基本的功能是（）。A.合理地分配和引

20、导资金B.灵活地调度和转化资金C.有效地实施宏观调控D.满足社会再生产过程中的投融资需求，促进资本的集中与转化【答案】D21、Well be very careful and keep what youve told us strictly（）。A.rigorousB.privateC.confidentialD.mysterious【答案】C22、The sudden heavy rain（）our holiday plan.A.damagedB.destroyedC.sabotagedD.spoiled【答案】D23、2020 年 1 月 2 日电，自今年 1 月 1 日起，符合条件的港澳

21、台居民可在（）参加社会保险。目前，珠海市已启动实施港澳台居民参加珠海社会保险工作，专题部署和组织培训。A.珠海市B.深圳市C.广州市D.厦门市【答案】A24、下列统计指标中，属于相对指标的是（）。A.社会消费品零售总额B.人口性别比C.房屋建筑面积D.城镇居民人均可支配收入【答案】B25、资料：What attracts customers?Obviously the quality of a productdoes,but visual images contribute a great deal.It is not only theimage provided by the packagi

22、ng that counts but the whole corporateidentity of the company.A.on the letterheads and packagesB.in the social media platformC.advertisements on TVD.All of above【答案】D26、专案审计时，对被审计单位长期挂账的往来账户应采取（）的方法。A.发电子邮件函证B.实地调查C.咨询D.分析资料【答案】B27、某企业投资了一个加工厂，建成后，每年可生产某种零件 2.5 万件，每件毛利润为 1 元。第一年的维护成本是 0.1 万元，以后按照每年

23、0.1 万元递增，则该厂可在第（）年实现累计利润（毛利润-维护成本）20 万的目标。A.12B.11C.10D.13【答案】B28、资料：Global business travel topped$1.2 trillion and is expectedto reach$1.6 trillion by 2020,according to new research by theGlobal Business Travel Association（GBTA）,an associationrepresenting the interests of corporate travel managers.

24、Whats moreChina has now surpassed the U.S.as the largest business travelmarket in the world,ringing up$291 billion last year.A.Airbnb service in usage doubled in recent fiscal yearB.Businessmen cut cost by using Airbnb serviceC.Sharing economic is about to take the leadD.Airbnb succeeds in competing

25、 with traditional accommodationchannels to attract longer stays【答案】D29、Passage 4A.The more money we have,the more stress we haveB.Money can be of great helpC.We should try our best to earn moneyD.Money is helpful in some way,but we should make full use of it【答案】D30、资料：The hop flower has been used in

26、 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 other factors,hops can impart a range offlavors that c

27、onnoisseurs 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 been around since the late eighteenth century.The

28、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 hop flower has been used in beer-making for decadesB.Different varieties of hop flower produce different fla

29、vors of beerC.The rise of locavore movement makes craft brewing a new trend inthe United StatesD.Megabrewers are losing market share because people are searchingfor the unpalatable taste of hop flower【答案】B31、The manager made it clear that he intended to_down some newrules to enforce workplace discip

30、line.A.layingB.layC.lieD.lying【答案】B32、应在公文首页标注签发人的是（）。A.上行文B.平行文C.下行文D.所有公文【答案】A33、资料：Human resource professionals act as mediators between anorganizations management and its workers.This requires wearing manyhats Its an HR administrators job to make sure that employees areworking in a safe environm

31、ent that disputes are settled，and thatbenefits are understood and administered properly.At the same time，HR is charged with recruiting new employees who will not only fit inpersonally and professionally but also help the company achieve itsbusiness goals.They also represent management when negotiati

32、ng forbenefits with companies administering these benefits and whenimplementing companywide policies that will ultimately lower costs orboost profits.The needs of HR cover a wide range of tasks and，therefore，require individuals who are good with people in additionto being organized，analytical，busine

33、ss-minded，and heroicmultitaskers.A.to act smoothly and tactfullyB.to take on much responsibilityC.to be faced with many choicesD.to pay attention to clothing【答案】B34、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】B35、“乐以天下忧以天下，然而不王者，未之有也”与下列哪一观点是同一学派（）A.刑过不避大臣，赏善不遗匹夫B.天之道，损有余而补不足，人之道，则不然，损不足以奉有余C.域民不以

34、封疆之界，固国不以山溪之险，威天下以后某不利D.其用战也胜、久则钝兵挫锐、攻城则倔、久暴师则国用不足【答案】C36、利率是（）的价格。A.货币资本B.借贷资本C.外来资本D.银行资本【答案】B37、如果中央银行在公开市场上大量购买政府债券，下面哪一种情况不可能发生？（）A.利息率下降B.国民收入增加C.储蓄减少D.以上答案都不对【答案】D38、下列关于外汇说法中不正确的是（）。A.外汇是以外国货币表示的，必须具有充分的可兑换性，能够自由地兑换成其他国家的货币或者其他信用工具进行多边支付B.外汇是非主权货币，通常各国政府允许外国货币作为本国市场的计价和结算货币，但不允许外国货币在本国境内流通和使

35、用C.外汇必须是在国外能得到补偿的债权，具有可靠的物质偿付保证D.外汇必须是各国普遍接受的支付手段和可用作对外支付的金融资产【答案】C39、It was essential that the application forms _ back before thedeadline.A.would be sentB.were sentC.be sentD.must be sent【答案】C40、（）是指对某项经济业务事项标明其应借应贷账户及金额的记录。A.会计科目B.会计账户C.会计分录D.复式记账【答案】C41、资料：We are pleased to invite you to attend

36、the 14th CanadianCollaborative Mental Health Care Conference（14th CCMHCC）to be heldon Thursday，June 27th and Friday，June 28th，2013.Montreal has beenselected as the host city.This annual event will take place at theDelta Centre Vile Hotel，a downtown location within easy walkingdistance of the Old Cit

37、y.You will be charmed by the unique characterof the city of Montreal，the metropolis of the province of Quebec.For those of you who wish to extend your stay，you can combinebusiness and pleasure by attending the 34th International JazzFestival of Montreal that will begin on Friday，June 28th andcontinu

38、e for the next 10 days.A.psychologistB.surgeonsC.researchersD.psychiatrists【答案】B42、对费用预算、经济合同的执行情况进行审查属于()。A.事前审计B.事中审计C.事后审计D.内部审计【答案】B43、2019 年 8 月 12 日，中国银行与（）签署战略合作协议。双方将在推进金融业关键信息基础设施国产化、服务“一带一路”建设和助力脱贫攻坚战等方面进行战略合作。根据合作协议，双方将发挥各自优势，秉持互利共赢的原则，建立多领域战略合作，实现共同发展。A.人民网B.新华通讯社C.南方周末D.新浪财经【答案】B44、如果一个

39、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】B45、根据科曼提出的领导生命周期理论，通过领导的工作行为、领导的关系行为和下属的成熟度建立一个三维结构的有效领导模型，其中（）具有低工作行为、低关系行为和适用于成熟度高的下属。A.说服型领导B.授权型领导C.参与型领导D.命令型领导【答案】B46、技能大赛中，刘师傅看了对手的资料后说：“如果我出场，每场比赛胜出的概率是 0.3，但黄师傅出场的话，概率就是 0.8。”于是决定，刘师傅出场 1次，黄师傅出场 2 次，完成 3 场比赛后，总计胜出 2 场就可以进入总决赛。则他们进入总决赛的概率是（

40、）。A.0.854B.0.562C.0.736D.0.688【答案】C47、By the end of next month we（）the task.A.will finishB.will be finishingC.will have finishedD.have finished【答案】C48、Passage 1A.introduce a new course to studentsB.help students learn about investmentC.teach how to apply for a credit cardD.encourage studentspersonal

41、 savings【答案】B49、_their regular daytime job,many people do extra work in theevening.A.BetweenB.BesideC.BesidesD.By【答案】C50、中华人民共和国土地改革法规定土地改革的根本目的是（）。A.废除封建剥削的土地制度B.实行农民的土地所有制C.解放农村生产力，为工业化开辟道路D.实行耕者有其田的土地制度【答案】C多选题（共多选题（共 2020 题）题）1、下列各项中，（）属于财政支出缺位的表现。A.财政对经营性事业单位进行不合理补贴B.社会保障支出水平偏低C.基础性科研和义务教育保障力度不

42、够D.对农村公共服务的保障水平短缺【答案】BCD2、借款申请书的主要内容包括（）。A.借款金额B.借款利率C.借款用途D.还款计划E.还款来源【答案】ACD3、王奉与李海发生口角，王奉将李海打伤。刘山见状，上前劝架，王奉失手将劝架的刘山打中要害，伤害致死。刘山死后，刘家发生财产继承。在本案中，属于行为的有（）。A.王奉对于李海的被伤害B.王奉对于刘山的死亡C.刘山的死亡对于刘家的财产继承D.刘山的死亡对于李海的被伤害【答案】AB4、2004 年 2 月 23 日，中共中央政治局召开会议指出，要紧紧抓住发展这个第一要务，坚持全面、协调、可持续的科学发展观，着力解决（）。A.经济社会发展中的突出矛

43、盾B.宏观调控中存在的问题C.关系人民群众切身利益的突出问题D.市场经济秩序中的诚信问题【答案】AC5、使用价值、交换价值、价值三者之间的关系是（）。A.交换价值是价值的表现形式B.价值寓于使用价值中C.价值是交换价值的基础和内容D.使用价值是交换价值和价值的物质承担者【答案】ABCD6、资产需求理论认为，假定其他因素不变的情况下，（）。A.资产需求数量与其相对于其他替代性资产的预期回报率正向相关B.资产需求数量与其相对于其他替代性资产的回报率风险正向相关C.资产需求数量与其相对于其他替代性资产的流动性程度正向相关D.资产需求数量与财富规模正向相关【答案】ACD7、商品经济的基本特征有（）。A

44、.是开放型的经济B.本质上是交换经济C.以生产资料和产品属于不同的所有者为基础D.是以社会分工和生产专业化为基础的经济【答案】ABCD8、下列可以用三栏式账簿登记的有（）A.总账B.现金日记账C.应收账款D.实收资本【答案】ABCD9、会计科目的设置原则有（）。A.合法性B.相关性C.真实性D.实用性【答案】ABD10、企业要想更好地发展，就必须了解消费者的喜好，只要抓住了消费者的“胃口”，也就找到了企业成功的法宝。企业应该从（）来分析，从而了解消费者。A.消费细分B.消费动机C.消费者未满足需求D.市场细分【答案】ABC11、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

45、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】ABCD12、下列属于中行信用卡的是（）。A.长城公务卡B.中银都市缤纷卡C.中银携程信用卡D.中银信用卡【答案】ABCD13、一般 50 元起存的储蓄种类有（）。A.活期储蓄存款B.整存整取定期储蓄存款C.整存零取定期储蓄存款D.定活两便储蓄存款【答案】BD14、银行会计的核算原则包括（）。A.客观性原则B.及时性原则C.权责发生制

46、原则D.谨慎性原则【答案】ABCD15、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。根据上述材料，回答下列问题：A.借款成本效果B.结构调节效果C.宣示效果D.对货币乘数的影响【答案】ABC16、与商业信用相比较，银行信用有以下特点（）。A.直接信用B.间接信用C.可以突破资金来源的期限限制D.贷款方向受行业限制【答案】BC17、()属于营业外收入。A.固定资产盘盈收入B.无形资产使用权转让收入C.处置

47、抵债资产净收入D.出纳长款收入【答案】ACD18、下列表述中体现了物权的排他效力的有（）。A.物权的权利人只能为一人B.物权优先于债权，C.在同一标的物上不能同时存在两个以上内容不相容的物权D.同一物上只能有一个所有权【答案】CD19、下列关于年度决算的说法中，正确的有（）。A.一般把每年的 1 月 1 日至 12 月 31 日作为一个会计年度B.每年的 12 月 31 日作为银行的年度决算日，办理年度决算C.银行在每个会计年度终了，对全年的会计资料加以归纳、整理与核实D.银行通过编制年度决算报表，考核本行各项业务活动及经营成果【答案】ABCD20、会计凭证以其填制手续及内容可划分为()。A.

48、一次凭证B.累计凭证C.通用凭证D.汇总凭证【答案】ABD大题（共大题（共 1010 题）题）一、某企业按（2/10，n/40）的条件购入一批货物，即企业如果在 10 日内付款，可享受 2%的现金折扣；倘若企业放弃现金折扣，贷款应在 40 天内付清。要求：(1)计算企业放弃该项现金折扣的成本。(2)若另一家供应商提出（1/20，n/40）的信用条件，计算放弃折扣的成本。若企业准备享受现金折扣，选择哪一家供应商有利；若企业准备放弃现金折扣，选择哪一家供应商有利？【答案】如果企业准备享受现金折扣应当选择放弃现金折扣的成本高的一家（本题中即是选择放弃现金折扣成本为 24.49%的一家）；如果企业决定

49、放弃现金折扣则应当选择放弃现傘折扣成本低的一家（本题中即是选择放弃现金折扣成本为 18.18%的一家）。【注意】（1）所谓的“放弃现金折扣成本”的含义是：如果放弃现金折扣，则应该承担的资金成本。其实质是“借款利息”，时间计算单位为“一年（360 天）”，所以，计算放弃现金折扣成本时，(2)因为“现金折扣百分比”是按照全部货款计算的，所以，如果在折扣期内付款需要支付的款项=全部款项 X(1-现金折扣百分比），因此，“放弃现金折扣成本”计算公式中的“现金折扣百分比/(1-现金折扣百分比）表示的是“借款利息”占“借款本金”的比例。(3)综上所述，应该按照计算“放弃现金折扣成本”。(4)“放弃现金折扣

50、”意味着要“支付借款利息”，反之，如果享受现金折扣（即在折扣期内付款），则意味着收取借款利息（相当于把款项借给供应方，收取利息），所以，当面对两个以上供应商时，如果打算放弃现金折扣，则应该选择折扣成本最“低”的供应商，反之，如果打算享受现金折扣，则应该选择折扣成本最“高”的供应商。二、厂干部商调报告2001 年调字第 5 号局人事科负责同志：我厂工程师庞同志，男，现年 30 岁，1990 年毕业于华南理工大学，为我厂车间主任和技术骨干。该同志工作一贯认真负责，积极肯干，具有较高的专业技术水平和丰富的实际操作经验。现因家庭困难，且每天上下班需要 2 个小时等车，因此，拟调往你所工作，以照顾家庭。