重庆市2023年银行招聘之银行招聘综合知识全真模拟考试试卷A卷含答案.doc

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1、重庆市重庆市 20232023 年银行招聘之银行招聘综合知识全真模年银行招聘之银行招聘综合知识全真模拟考试试卷拟考试试卷 A A 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、It was the training（）Sam had at school（）made him anexcellent runner.A.what;whatB.that;thatC.what;thatD.that;which【答案】B2、While they mainly have _Japanese tourists previously，luxurystores in Paris now employ

2、 Mandarin-speaking assistants forcustormers from China.A.amounted toB.referrde toC.adhered toD.catered to【答案】D3、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【

3、答案】D4、资料：It is September of 1998,Im sitting in a windowless officeroom inside the Office of the Independent Counsel underneath hummingfluorescent 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,

4、the mysterious content ofthese tapes has hung like the Sword of Damocles 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 aud

5、io tapes are aired on TV,and significant portions madeavailable online.The pubic humiliation was excruciating.(1)A.The environment in which the technology enhances shamingB.The humiliation that is more intensely felt than it should beC.The price we have to pay as the victims of mistakesD.The impact

6、of peoples suicide on families and the society【答案】A5、在编辑 Word 文档时，选定一段文字后，把鼠标指针置于选定文本的任意位置，按 Ctr1 键并按鼠标左键不放，拖到另一位置上才放开鼠标。那么，刚才的操作是（）。A.移动文本B.复制文本C.替换文本D.删除文本【答案】B6、（1）电报、电话、广播、电视机问世之初都曾被认为会引发灾难，现在又轮到智能手机等移动设备了。家长们担心，移动设备会使青少年远离社会，不与其他人交往。既然之前的新技术已经被证明是无害的，人们为什么要担忧呢？A.新技术对于成年人来说并不需要B.孩子的好奇心比成年人大C.成年人

7、总是会担心末知因素对下一代的影响D.新技术大多都是针对下一代人而推出的【答案】D7、Passage 8A.explosive growthB.the reform of reverse mortgage marketC.little consideration to suitabilityD.aggressive and improper marketing【答案】B8、资料：Children back at school,nights slowly starting to draw inand the weather more changeable.The seasons are turni

8、ng and after aneerily calm summer for financial markets,theres a whiff ofuncertainty in the air.Bond yields 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 interestrat

9、es and asset purchases to promote economic growth but now suchability of central banks have become increasingly 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

10、 weather changesD.The 10-year yields German and Japanese government bond have beenmoving up slowly through the summer【答案】B9、Its offered as proof that shes a_woman who wont wastetaxpayers money.A.principledB.patrioticC.pioneerD.radical【答案】A10、会计员收到支款凭证，审核无误后，将现金支票右下角的()撕下，凭以向出纳部门领取款项。A.出纳对号单B.第一联编号C.

11、第三联编号D.银行存款单号【答案】A11、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 results of a studyB.information from the FacebookC.the number of Facebook usersD.personality types

12、and emotional stability【答案】A12、Hes a strange child and his teachers find it difficult to_ him.A.scoldB.reachC.playD.seize【答案】B13、资料：Imagine you went to a restaurant with your girlfriend,hada burger,paid with a credit card,and left.The next time you gothere,the waiter or waitress,armed with your prof

13、ile 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.Forget the fact that you are with another date and are on a diet thatdoesnt include burg

14、ers.A.Alexa is named after an ancient hero in EgyptB.Alexa is installed in librariesC.Alexa can provide all the necessary information about historyD.Alexa can provide more data to marketers than a cookie【答案】D14、Global warming is causing more than 300,000 deaths and about$125billion in economic losse

15、s each year,according to a report by theGlobal Humanitarian Forum,an organization led by Annan,the formerUnited Nations secretary general.A.Its statistics look embarrassingB.It is invalid in terms of methodologyC.It deserves our closest attentionD.Its conclusion is purposely exaggerated【答案】B15、资料：Be

16、cause of the biochemical reactions in your body thatoccur with every type of food you eat on a daily bases,some foodsage you faster than your real age,while other foods help to fightaging.A.the degrading jointsB.the thinning of your hairC.the good condition of your organsD.the wrinkles around your e

17、yes【答案】C16、下列行业中最接近于完全竞争模式的是（）。A.飞机制造业B.烟草业C.日用小商品制造业D.汽车制造业【答案】C17、资料：（一）A.the money paid by the insurersB.the cost of administering insuranceC.the money paid by the insuredD.the amount of each premium【答案】C18、组织是管理的基本职能之一,它是由（）三个基本要素构成。A.目标、原则和结构B.目标、部门和关系C.目标、部门和效率D.目标、部门和人员【答案】B19、We will support

18、 any opportunity for the railways_back intopublic ownership.A.be boughtB.to be boughtC.buyingD.be buying【答案】B20、流动性最大的金融资产是（）。A.政府债券B.企业债券C.现金D.企业股票【答案】C21、He said the UK government would allow the island to determine itsown_and democracy.A.equalityB.enhancementC.agreementD.development【答案】A22、资料：Pla

19、cing the right type of workers in close proximity toeach other can generate up to a 15 percent increase in organizationalperformance，according to the study from Cornerstone On Demand，aprovider of cloud-based learning and talent-management software，andresearchers at Harvard Business School in Massach

20、usetts.Forbusinesses with 2，000 employees,this translates into an additional$1 million in profit each year，the study said.A.There is no particular order of these categoriesB.Generalists are those who are neither productive nor effectiveC.The frequency employees need to ask a co-worker for help compl

21、etinga task is recorded as effectivenessD.Productive workers are those who finish a task quickly【答案】B23、PowerPoint2003 的动画中，不能实现的功能为（）。A.设置幻灯片的切换效果B.设置同一文本框中不同段落的出现次序C.设置对象出现的先后顺序D.设置声音的循环播放【答案】B24、下列贷款中至少归为次级类的是（）。A.借款人利用合并、分立等形式恶意逃废银行债务，本金或者利息已经逾期B.本金和利息虽尚未逾期，但借款人有利用兼并、重组、分立等形式恶意逃废银行债务的嫌疑C.同一借款人对本

22、行或其他银行的部分债务已经不良D.本金或者利息逾期【答案】A25、影响金融市场长期走势的唯一因素是（）。A.宏观经济因素B.行业发展状况C.企业经济效益D.国际经济形势【答案】A26、Sometimes that stress is relieved_in the form of a largeearthquake.A.graduallyB.steadilyC.slowlyD.suddenly【答案】D27、现代管理活动是一种具有广泛、复杂联系的社会活动，是一种多规律共同起作用的有机统一的活动，因此，在管理过程中应（）。A.选择其中的一种方法B.运用其中的几种方法C.结合实际综合运用各种管理方

23、法D.运用所有管理方法【答案】C28、资料：When we see well，we do not think about our eyes very often.It is only when we cannot see perfectly that we realize how importantour eyes are.A.feel painB.imagineC.are affected withD.experience【答案】A29、During her junior year of high school,Diane Rays teacher handedher a worksheet

24、 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 hypothetical earnings from their hypotheticaljobs in the market in the disastrous fall of 2

25、008.Our pretendinvestments crashed,Ray says,still frightened.We got to know how itfelt to lose money.A.introduce a new course to studentsB.help students learn about investmentC.teach how to apply for a credit cardD.encourage studentspersonal savings【答案】B30、Dealers often tell customers that if their

26、car gets wrecked in acrash they could be financially harmed because regular insurance maynot_the entire amount owed on the loan。A.pay upB.pay offC.pay outD.pay away【答案】B31、He has made a discovery,_ of great importance to the progressof science and technology.A.which I think it isB.which I think isC.

27、think which isD.of which I think it is【答案】B32、如果某投资项目的相关评价指标满足以下关系：NPV0，NPVR0，IRRic，PPN2，则可以得出的结论是（）。A.该项目基本具备财务可行性B.该项目完全具备财务可行性C.该项目基本不具备财务可行性D.该项目完全不具备财务可行性【答案】A33、票据金额以中文大写和阿拉伯数字同时记载，对二者不一致的结算凭证()A.以大写为准B.以小写为准C.银行可予受理D.银行不予受理【答案】D34、Passengers should possess boarding pass，valid passport，visa，ex

28、it registration card，and immigration certificate _ byrelated department.A.issuedB.madeC.identifiedD.designed【答案】A35、资料：For the development of Crunchy Nut（a product）,K companyhas used various methods of primary data collection.Primary marketdata may involve qualitative research or quantitative resear

29、ch.Qualitative data is connected more about opinions,feelings andattitudes.Quantitative data is in numerical form and is usuallygathered from a large sample of respondents.A.The development of Crunchy NutB.K Companys production lineC.Qualitative data collectionD.Two approaches to data collection【答案】

30、D36、Passage 1A.flied awayB.still diedC.changed into a fairyD.was more beautiful than before【答案】C37、资料：For nearly a century,Hilton Worldwide has offered businessand leisure travelers the finest in accommodations,service,amenities and value.A.A policy announcementB.A recruitment adC.A proposalD.A busi

31、ness license【答案】B38、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 in Texas,is home

32、 to Americas biggestenergy firms and has spawned an active cluster of energy traders andhedge funds.A.New YorkB.LondonC.ChicagoD.Frankfurt【答案】C39、Despite his Catholic background,Kennedy also became a strongadvocate of_rights and later,a supporter of same-sex marriage.A.wasteB.removalC.autonomyD.abor

33、tion【答案】D40、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 wholesale;at prices und

34、er$5,using the website Taobao,she sells them on as the Kitty Lover at prices under$10.A.555 millionB.370 millionC.740 millionD.185 million【答案】C41、Passage 7A.Patients seldom receive due care towards the end of the dayB.Prescription of antibiotics can be harmful to patientshealthC.cision fatigue may p

35、revent people making wise decisionsD.Medical doctors are especially susceptible to decision fatigue【答案】C42、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 co

36、sts.However,the Bank may impose a fee foradministrative expenses involved in any legal action in connectionwith the CD.Look at our Star CD plan below.A.The minimum amount to invest is USD 2000B.You may choose any maturity date as you wishC.The rates on certificate of deposits may vary day to dayD.Se

37、parate certificates of deposits will be issued for additionaldeposits【答案】B43、下面是中国古典文学四大名著中的人物与情节，其中搭配不当的一项是（）。A.鲁智深倒拔垂杨柳B.孙悟空大闹天宫C.诸葛亮三顾茅庐D.刘姥姥进大观园【答案】C44、Should UK depositors lose money,the government would have todecide whether to_for it directly.A.notifyB.compensateC.overlookD.trigger【答案】B45、资料：

38、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 tointegrate them all into a single digital identity.

39、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 way it has around the world,mainly because the in

40、ternet came late;that left an opening formessaging apps.A.QQs strong user baseB.the lack of competitorsC.local market opportunity and innovationD.all of the above【答案】C46、Passage 2A.She was not familiar with the roadB.It was dark and raining heavily thenC.The railway workers failed to give the signal

41、D.Her GPS device didnt tell her about the crossing【答案】D47、Passage 2A.A toy trainB.A bottle of whiskeyC.A cameraD.A cellular phone【答案】A48、资料：As more personal business is conducted through smartphonedevices,more users are implementing security measures for theirdevices,according to a recent survey by

42、Harris Poll and commissionedby the CTIA.A.Implement security measures for smart devices and protect thesecurityB.Boost user education on the pitfalls of mobile security and assesswhether the initiatives are workingC.Boost user education on the apps and test the security of themD.None of above【答案】B49

43、、绩效薪金制通过报酬与绩效的挂钩强化了对员工的激励，这种做法与（）的原理最为吻合。A.领导一成员交换理论B.双因素理论C.期望理论D.DRG 理论【答案】C50、企业溢价发行股票时，超过股票面值的部分计入（）。A.盈余公积B.实收资本C.资本公积D.留存收益【答案】C多选题（共多选题（共 2020 题）题）1、下列医学著作属于唐朝时期的有（）。A.孙思邈千金要方B.唐本草C.张仲景伤寒杂病论D.李时珍本草纲目【答案】AB2、在 Excel 中，要使选定的单元格处于编辑状态，操作正确的有（）。A.按 F2 键B.按 Enter 键C.双击单元格D.单击公式编辑栏【答案】ACD3、商业银行资产负债

44、管理的基本原则有（）。A.速度对称原则B.目标互补原则C.结构对称原则D.规模对称原则【答案】CD4、属于中国银行业协会的专业委员会的有（）。A.法律工作委员会B.农村合作金融工作委员会C.外资银行工作委员会D.银行业从业人员资格认证委员会【答案】ABCD5、以下各项依法应接受审计机关审计监督的是（）。A.财政部B.天津市人民政府C.中国工商银行D.某私营企业【答案】ABC6、关于马尔科夫分析法的说法，正确的有（）。A.该方法的关键是确定出人员转移率矩阵表B.该方法的基本思想是根据过去人事变动的规律推测人事变动的趋势C.该方法的基本假设是在一定时期内从某一职位转移人数比例是不固定的D.该方法认

45、为所使用的人员转移比例的周期越短，预测的准确性越高E.该方法进行分析的第一步是制作人员变动表【答案】AB7、账页包括的内容有（）。A.账户名称B.记账凭证的种类和号数C.摘要栏D.总页次和分户页次【答案】ABCD8、下列属于流动负债的是（）。A.长期借款B.应付票据C.应付职工薪酬D.所得税费用【答案】BC9、下列各项中，（）不属于财政实现资源配置职能的手段。A.加强税收调节优化财政支出结构B.通过政府直接投资、财政贴息等方式，引导和调节社会投资方向C.发挥财政转移支付的作用D.通过公共支出提供社会福利【答案】ACD10、造成中国目前生态环境不断恶化的原因是多方面的，也是复杂的。它主要来自于以

46、下三个方面的压力（)A.人口压力B.市场压力C.工业化压力D.人为破坏压力【答案】ACD11、在金融行业，WTO 的一般性原则包括（）。A.自由竞争原则B.最惠国待遇原则C.国民待遇原则D.信息共享原则E.逐渐开放市场原则【答案】ABC12、下列活动不需要进行会计核算的有（）。A.订立经济合同B.确定企业投资方案C.制订财务收支计划D.以实物形式发放职工福利【答案】ABC13、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、企业根据消费者需求的不同，把整个市场划分成不同的消费者群的过程叫做市场细分，下列属

47、于人口细分的有（）。A.收入B.个性C.态度D.民族【答案】AD15、下列关于投资基金的说法，正确的有（）。A.是一种集合投资方式B.体现了一种股权关系C.投资对象包含金融衍生品D.是一种间接投资工具【答案】ACD16、2020 年 4 月 10 日，人力资源和社会保障部失业保险司司长桂桢在国务院联防联控机制新闻发布会上表示，为应对疫情的影响，保障失业人员基本生活，国务院实施了三项新举措。新举措包括（）。A.延长大龄失业人员领取失业保险金期限B.阶段性提高价格临时补贴C.阶段性实施失业补助金政策D.拨付失业人员职业培训、职业介绍补贴费用【答案】ABC17、经过半个世纪的开垦，北大荒成了全国闻名

48、的“北大仓”。然而由于过度开垦已经造成了许多生态问题。现在，黑龙江垦区全面停止开荒，退耕还“荒”。以下说法错误的是（）。A.人与自然的和谐最终以恢复生态为归宿B.人们改造自然的一切行为都会遭到“自然界的报复”C.人们在自然界面前总是处于被支配的地位D.人应合理地调节人与自然之间的物质变换【答案】ABC18、信贷是银行对经济生活进行宏观调控的重要手段。如果一个国家信贷规模过大，可能造成的风险是（）。A.投资或消费过热B.流通领域中的货币量增加C.企业或居民还贷困难D.供给相对不足【答案】ABCD19、各银行营业机构在业务上尤其应当做到“三公开”，“三公开”是指（）。A.公开业务处理的手续B.公开

49、银行经办业务的种类C.公开业务规范D.公开金融政策纪律【答案】ABD20、商业银行经营管理过程中必须遵守（）原则。A.安全性B.流动性C.保值性D.盈利性【答案】ABD大题（共大题（共 1010 题）题）一、已知 ABC 公司的下列库存信息及相关信息：(1)订货数量只能按 100 的倍数；(2)年使用数量为 300000 单位(假定一年有 50 周）;(3)库存持有成本是商品购买价格的 30%；(4)购买价格为每单位 10 元；(5)订货成本为 50 元/单位；(6)公司希望的安全存量为 1000 单位（不包括运送期库存）；(7)运送期为两星期。要求：(1)计算最优经济订货量水平为多少？(2)

50、若该店以此数量订货，则年平均库存持有成本为多少？(3)每年的订货周期为多少？(4)库存水平为多少时应补充订货？【答案】二、甲公司持有一张由乙公司出票、经丙公司背书转让获得的银行承兑汇票。在该汇票到期后，甲公司向承兑银行提示付款时遭到拒绝，承兑银行拒付的理由是：该汇票上银行的签章是伪造的，该银行并未承兑过这张汇票。甲公司于是向丙、乙公司进行追索，丙公司声称该汇票是乙公司某业务员给付的，并经乙公司背书转让取得，伪造签章的责任应由乙公司承担与其无关。乙公司则答复说，该汇票出票及背书转让都是其一业务员伪造公司签章所为，应由司法机关追究该业务员的责任，与乙公司无关。经公安机关调查，发现乙公司公章使用管理