黑龙江省2023年银行招聘之银行招聘综合知识综合检测试卷A卷含答案.doc

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1、黑龙江省黑龙江省 20232023 年银行招聘之银行招聘综合知识综合年银行招聘之银行招聘综合知识综合检测试卷检测试卷 A A 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、This does not mean I will take it_from the rich and give itto the poor.A.upB.onC.inD.away【答案】D2、计算机中 1K 字节表示的二进制位数是（）。A.1000B.81000C.1024D.81024【答案】D3、资料：Global business travel topped$1.2 trillion and is exp

2、ectedto reach$1.6 trillion by 2020,according to new research by theGlobal Business Travel Association（GBTA）,an associationrepresenting the interests of corporate travel managers.Whats moreChina has now surpassed the U.S.as the largest business travelmarket in the world,ringing up$291 billion last ye

3、ar.A.Immigration RulesB.Straight line upwards in world economyC.US presidential electionD.Weakening global economy【答案】B4、The article opens and closes with descriptions of two news reports,each _ one major point in contrast with the other.A.makesB.madeC.is to makeD.making【答案】D5、资料：Many people think o

4、f internal control as a means ofsafeguarding cash and preventing fraud.Although 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 providesass

5、urance of the dependability of the accounting data used in makingdecisions.A.Preventing fraudB.Providing help for making decisionsC.Improving the sense of responsibility of employeesD.Protecting assets【答案】C6、资料：Placing the right type of workers in close proximity to eachother can generate up to a 15

6、 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 Massachusetts.Forbusinesses with 2，000 employees,this translates into an additional$1 million

7、 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 completinga task is recorded as effectivenessD.Productive workers are those who finish a ta

8、sk quickly【答案】B7、资料：A high-precision NASA radar instrument left a NASA airportin Southern California for Iceland on January 28 to create detailedmaps of how glaciers move in the dead of winter.This will helpscientists around the world better understand some of the most basicprocesses involved in mel

9、ting glaciers,which are major contributorsto rising sea levels.A.Freeze easilyB.Move quicklyC.Long-lastingD.Extremely cold【答案】C8、办理个人存取款业务的金融机构对一日一次性从储蓄账户（含银行卡）提取现金（）(不含）以上的，储蓄机构柜台人员必须要求取款人提供有效身份证件，并经储蓄机构负责人审 核身份证件姓名与存单(存折、银行卡)姓名一致后予以支付。提现 20 万元(含）以上的，应要求 取款人至少提前一天预约。A.3 万元B.5 万元C.8 万元D.10 万元【答案】B9、

10、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.activityB.rulesC.uniformD.participants【答案】B10、资料：You can not go forward by going backw

11、ard.Take the currentdebate about trade and globalization,for instance,while the impulseto erect trade barriers is understandable given the pain experiencedin recent years,it is not the way to create lasting growth andshared prosperity.A.Trade and globalization are debatableB.Erecting trade barriers

12、can not bring growth and prosperityC.Trade and globalization have caused severe pain in recent yearsD.Opposing trade and globalization is understandable and reasonable【答案】B11、资料：Native ads-or ads that take on the look and feel of thecontent surrounding them-are taking over digital advertising.A.The

13、rise of compound annual growth rateB.The rise of social platformsC.The rise of sponsored contentD.The rise of publisher websites【答案】B12、下列语句中，没有语病的一项是（）。A.自从李师傅开了修理高级手表的直播视后，短短的十分钟内，先后有一万二干人次前来观摩学习。B.减免高速公路通行费后，公路货运量较去年同期增加了 1.5 倍，高速通行费减少了 0.8 倍。C.许多消费者前来喝咖啡，并非是因为这家店的咖啡好喝，而是因为心忧患券到期不能使用。D.上午八点，随着飞机舱

14、门缓缓打开，英雄们鱼贯而出，站立在通道两侧的数百名欢迎队伍立刻鼓掌，欢迎英雄们回家。【答案】A13、The（）of climbing to the top of the corporate ladder is bestdefined in the new book published by Scott Thompson,one of the mostsuccessful businessmen in history.A.challengeB.dimensionC.introductionD.compassion【答案】A14、资料：This exhibition brings together

15、 outstanding works from theearliest times to the present in a thematic arrangement that is freshand unique.A.the processes of making bronzeB.the best works of bronzeC.the properties and qualities of bronzeD.some new media art【答案】D15、Luo Jingyu,19,has four years of experience of running business.Heis

16、 also a freshman in the arts department of Hubei University.A.He had to prepare for his examB.The dresses he bought werent of high qualityC.Customers didnt accept his taste in fashionD.He didnt have enough money to buy beautiful dresses【答案】C16、会议室里的凳子有 3 条腿的，也有 4 条腿的，都能坐。并且会议室坐满了人，一张凳子只能坐一个人。如果会议室里的

17、凳子的条数和人的腿加起来共有39 条，则 3 条腿的凳子有（）张。A.1B.3C.5D.7【答案】B17、资料：2014 has been a landmark year for Alibaba.Just last week,the Chinese e-commerce juggernaut set a 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,

18、raising US$25Billion on the NYSE.Things will only get bigger for Alibaba.A.Alibabas new business strategyB.Alibabas Alipay and Taobao marketplace expand into AustraliaC.Alibabas acquisition of Australian local companiesD.The introduction of Alibaba【答案】B18、资料：The Oakview CafeA.Purchase tickets for an

19、 eventB.View a full dinner menuC.Listen to samples of musicD.Read reviews of a performance【答案】B19、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 applyfo

20、r 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 2008.Our pretendinvestments crashed,Ray says,still frightened.We got to know how itfelt to lose money.A.pay off all her debts

21、B.handle her money betterC.find a job in a bankD.manage the family income【答案】B20、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】D21、银行承兑汇票期限自出票之日起最长不超过（）。A.3 个月B.6 个月C.1 年D.2 年【答案】B22、Pass

22、age 4A.train staff for world-famous firmsB.offer job opportunities to young adultsC.provide youth with unique experiencesD.equip the unemployed with different skills【答案】C23、For quite（）students,their teachers advice is much moreuseful than（）of their parents.A.few;oneB.a few;thatC.a little;someD.a lot

23、;many【答案】B24、Hurricane Katrina passed in my own surroundings andA.involvedB.entailedC.panickedD.panic【答案】A25、资料：Native ads-or ads that take on the look and feel of thecontent surrounding them-are taking over digital advertising.A.a business history bookB.a textbook about advertisementC.a business re

24、port websiteD.an introduction of a novel【答案】C26、When a company discontinues and disposes of an operation，theaction is considered：（）.A.a cumulative effect of a change in an accounting principleB.a prior period adjustmentC.an extraordinary itemD.separately and shown net of taxes on the income statemen

25、t【答案】C27、资料：Tencent Holdings Ltd has announced that it will 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 u

26、nderstanding of their clients and improvetheir products.A.NegativeB.NeutralC.EncouragingD.Positive【答案】B28、私募发行相对于公募发行的缺点不包括(）。A.不利于企业扩大知名度B.发行价格和交易价格可能会比较低，不利于筹资者C.容易泄露公司商业机密D.可能被投资者操纵【答案】C29、下列说法错误的是（）。A.热水管往往比冷水管先被冻裂B.高尔夫球上的微凹坑使作用于球上的空气阻力减小C.自燃是由于材料内部的氧化使得材料的热量增加而引起的D.材料能够燃烧是由于可燃材料富含一种叫“燃素”的物质【答案】

27、D30、资料：（四）A.Approach to financial educationB.Americans financial skillsC.Reform on financial educationD.Lessons of financial crisis【答案】A31、如果会计信息的省略或者错报会影响投资者等财务报告使用者据此作出决策的，该信息就具有()。A.可比性B.可靠性C.谨慎性D.重要性【答案】D32、中长期贷款，为了使借贷双方承担的利率风险较小，一般都倾向于选择（）。A.浮动利率B.固定利率C.市场利率D.复利【答案】A33、劳动者在下列哪种情形中，用人单位可以解除劳动合同？

28、（）A.劳动者患病或者非因公负伤，在规定的医疗期内的B.严重违反用人单位的规章制度的C.劳动者不能胜任工作，经过培训或者调整工作岗位，仍不能胜任工作的D.女职工在孕期、产期、哺乳期内的【答案】B34、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 chief executive of thethinktank found

29、ed by Iain Duncan Smith has warned.A.preferential policies for the poorer childrenB.more comprehensive research into its causesC.headteachers good at inspiring talented childrenD.solutions to the conflict in the education sector【答案】C35、Passage 7A.avoided defining the extent of McDonnells dutiesB.mad

30、e no compromise in convicting McDonnellC.was contemptuous of McDonnells conductD.refused to comment on McDonnells ethics【答案】C36、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 stud

31、y.A.the results of a studyB.information from the FacebookC.the number of Facebook usersD.personality types and emotional stability【答案】A37、Today,only 4 million people live and work on farms in the UnitedStates,but they produce more than enough food for 200 millionAmericans.They are able to do this be

32、cause modern agriculture dependsmore on up-to-date machinery and scientific methods than it does onold-fashioned knowledge and human labor.A.modern technology has brought about a lot of troubleB.modern technology has cost farmers a lot of moneyC.farmers were put deeply in debtD.modern technology has

33、 released farmers from heavy labor【答案】D38、资料：Dream is a story that a person watches or even takes partin during sleep.Dream events are imaginary,but they are related toreal experiences and needs in the dreamers life.They seem realwhile they are takingplace.Some dreams are pleasant,others areannoying

34、,and still others are frightening.Everyone dreams,but somepersons never recall dreaming.Others remember only a little about adream they had just before awakening and nothing about earlier dreams.No one recalls all his dreams.A.help the person understand himself betterB.studying the benefits of dream

35、sC.trying to make the sleeper dream logicallyD.trying to help the dreamer recall his earlier dreams【答案】A39、三篮桃子共重 90 斤，如果从第一篮中取出 13 斤放入第二篮，从第二篮中取出 8 斤放入第三篮，从第三篮中取出 2 斤放入第一篮，这时三篮桃子的重量相等，原来第二篮中有桃子（）斤。A.21B.23C.25D.27【答案】C40、She never forgave him for _ he did her.Neither could he ridhimself of the feel

36、ing of guilt for having treated her that way.A.wrongingB.a wrongC.wrongD.the wrong【答案】D41、资料：According to our research,Best Buy in China was perceivedas being too expensive,with many of their products priced higherthan in local markets.Why buy a Sony DVD player or Nokia phone atBest Buy when you can

37、 pay less for the exact same product at a localstore？Consumers will only be willing to pay more,like at the Applestores,if they are buying something they cannot get elsewhere.A.Best Buys failure in ChinaB.Chinese local retailers reason for successC.Overseas retailers struggle in the Chinese marketD.

38、The development of retail industry in China【答案】A42、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.Whats moreChina

39、 has now surpassed the U.S.as the largest business travelmarket in the world,ringing up$291 billion last year.A.Travel destinations financial conditionsB.Travel suppliers strategiesC.Travelers PreferenceD.Mobile Tech【答案】A43、资料：As more personal business is conducted through smartphonedevices,more use

40、rs are implementing security measures for theirdevices,according to a recent survey by Harris Poll and commissionedby the CTIA.A.had built in security and end-to-end encryptionB.included the CTIA feature in their productsC.were faced with negative consumer attitudesD.cooperated with FBI to guarantee

41、 the securety【答案】B44、资料：Up to 80 per cent of the worlds middle classes will livein developing countries by 2030 thanks to surprising recent gains inpoverty reduction,according to a United Nations report published onThursday.A.greater economic dynamismB.aid from developed countriesC.changes of develo

42、ping countriesD.trade among developing countries【答案】B45、Great Wall,first built 2000 years ago,is a_ miracle.A.cautiousB.marvelousC.numerousD.serious【答案】B46、历时 19 年，由北宋司马光主编的多卷本编年体史书是（）。A.史记B.资治通鉴C.汉纪D.二十四史【答案】B47、存款人办理日常转账结算和现金收付的账户是()。A.基本存款账户B.一般存款账户C.临时存款账户D.专用存款账户【答案】A48、The accounting team uses

43、 an advanced spreadsheet software programto list company（）by department.A.diagramsB.expendituresC.applicationsD.Insights【答案】B49、甲公司 2011 年 3 月 1 日开始自行开发成本管理软件在研究阶段发生材料费用 30 万元，开发阶段发生开发人员工资 130 万元，福利费 30 万元，支付租金 45 万元。开发阶段的支出满足资本化条件。2011 年 3 月 16 日，甲公司自行开发成功该成本管理软件，并依法申请了专利，支付注册费 15 万元，律师费 28 万元，甲公司

44、2011 年 3 月 20 日为向社会展示其成本管理软件，特举办了大型宣传活动，支付费用 50 万元，则甲公司该项无形资产的入账价值应为（）万元。A.209.3B.239.3C.204.3D.259.3【答案】A50、依照我国法律规定，下列财产为按份共有的是（）。A.夫妻共有财产B.家庭共有财产C.甲、乙分别出资 3 万元和 4 万元共同购买的财产D.共同继承的财产【答案】C多选题（共多选题（共 2020 题）题）1、人民币国际化问题，从理论上讲，具体包括（）。A.储蓄货币B.现实货币C.结算货币D.计价货币【答案】ACD2、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

45、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】ABCD3、下列各项中，属于企业所有者权益组成部分的有（）。A.股本B.资本公积C.盈余公积D.应付股利【答案】ABC4、下列关于我国股份制商业银行的作用叙述正确的有（）。A.填补了国有商业银行收缩机构造成的空白B.促进了银行体系竞争机制的形成C.在经营管理方面不断创新，发展迅速，总资产规模已超过原四大银行D.大大推动了中国银行业的改革和发展【答案】ABD5、设立公司必须依法制定公司章程，公司章程对（）具有约束力。A.公司B.董事C.股东D.监事【答案】ABCD6、账户记录的金额包括的会计核算指标有()。A.本期增加

46、发生额B.期初余额C.本期减少发生额D.期末余额【答案】ABCD7、预计资产未来现金流量的现值时应考虑的因素有（）。A.资产的预计未来现金流量B.资产的预计使用寿命C.资产的折现率D.资产目前的销售净价【答案】ABC8、支票的种类包括（）。A.现金支票B.转账支票C.划线支票D.普通支票【答案】ABD9、以下（）是计算机输入设备。A.显示器B.打印机C.扫描仪D.麦克风【答案】CD10、“4C”营销理论包括（）。A.瞄准消费者需求B.消费者愿意支付的成本C.对于消费者的服务D.消费者的便利性E.与消费者沟通【答案】ABD11、个人存款证明书（）。A.不能流通B.可以挂失C.可用于质押D.不能代

47、替存单(折、卡)作为存款、续存的凭证【答案】AD12、按信用创造的主体来划分，信用可以分为商业信用、银行信用、国家信用和消费信用。下列属于消费信用的有（）。A.某超市向某人提供额度为 2000 元的赊销业务B.某企业向某超市提供额度为 200 万元的赊销业务C.某建材商允许某人对其所购置的装修材料以分期付款方式在 2 年内还清D.某银行向某人提供 10 万元的经济适用房贷款【答案】ACD13、中央银行的主要职能有（）。A.中央银行是发行的银行，垄断货币发行权B.中央银行是银行的银行，集中存款准备金，是最终贷款人，并组织全国清算C.中央银行是国家的银行，代理国库等D.向经济领域注入充分的货币刺激

48、经济增长【答案】ABC14、商业银行的贷款业务有逐步“表外化”的倾向，具体业务包括（）。A.票据发行便利B.贷款额度C.回购协议D.循环贷款协议E.大额可转让定期存单【答案】ABCD15、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】BCD16、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】ABCD17、在（）情况下，不存在复议第三人参加复议的问题。A.复议活动尚未开始B.复议进行期间C.申请人已撤回申请D.复议终结【答案】ACD18、一般 50 元起存的储蓄种类有（）。A.活期储

49、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】BD19、计算机在工作过程中突然断电，不会丢失所保存信息的存储介质是（）。A.光盘B.硬盘C.只读存储器D.内存【答案】ABC20、下列项目中，属于原始凭证的有（）。A.发票B.提货单C.发出材料汇总表D.产品成本计算表【答案】ABCD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）

50、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，