黑龙江省2023年银行招聘之银行招聘综合知识高分题库附精品答案.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高分年银行招聘之银行招聘综合知识高分题库附精品答案题库附精品答案单选题（共单选题（共 5050 题）题）1、Israeli officials blame the settlers,saying they have refused to_with the government.A.directB.cooperateC.commentD.remind【答案】B2、计算机只懂机器语言，而现在人们一般用高级语言编写程序，将高级语言变为机器语言序需经过（）。A.编译程序B.编辑程序C.连接程序D.装入程序【答案】A3、_ you retu

2、rn after the rental counter closes for the evening,place your vehicles keys in the night return slot.A.Because ofB.As a consequenceC.In the event thatD.Prior to【答案】C4、资料：A high-precision NASA radar instrument left a NASA airportin Southern California for Iceland on January 28 to create detailedmaps

3、of how glaciers move in the dead of winter.This will helpscientists around the world better understand some of the most basicprocesses involved in melting glaciers,which are major contributorsto rising sea levels.A.Freeze easilyB.Move quicklyC.Long-lastingD.Extremely cold【答案】C5、2021 年春节期间，全国收费公路将继续免

4、收小型客车通行费，具体免费时段从（）。A.2 月 10 日 0 时至 17 日 24 时B.2 月 11 日 0 时至 17 日 24 时C.2 月 11 日 0 时至 18 日 24 时D.2 月 9 日 0 时至 17 日 24 时【答案】B6、我国经济法调整的对象是（）。A.一切经济关系B.特定经济关系C.全部财产关系D.社会关系【答案】B7、The suspicion that the servant is dishonest has proved（）true.A.all tooB.too allC.much tooD.too much【答案】A8、Not only_the fall

5、of the czar,but it also destroyed theprovisional government.A.did World War I causeB.World War I causeC.was World War I causeD.World War I to cause【答案】A9、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,a

6、ccording to a United Nations report published onThursday.A.discuss why developing countries are playing major roleB.illustrate a theory for poverty reductionC.explain reasons behind a reportD.interpret the role of trade for developing countries【答案】C10、We all convinced that the project was（）.A.fertil

7、eB.inevitableC.inherentD.feasible【答案】D11、The interplay between national and organizational culture hasbeen subject to _ debates in the literature on organizationaltheory.A.severeB.perpetualC.frequentD.continuous【答案】B12、生产者的短期成本一定（）长期成本。A.高于B.低于C.等于D.都有可能【答案】A13、根据我国法律规定，我国货币政策目标是（）。A.保持货币币值稳定，并以此促进经

8、济增长B.调控货币供应，促进经济社会发展C.提高货币使用效率，改善民众生活D.加强人民币流动管理，促进人民币的国际流通【答案】A14、资料：MemoA.To assign a taskB.To introduce a clientC.To announce a publishing mergerD.To change the tie of a meeting【答案】A15、根据个人外汇管理办法的规定，下列说法不正确的是（）。A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户C.结算账户用于转账汇款等资金清算支付D.

9、储蓄账户可用于外汇存取与转账【答案】D16、An entrepreneurs product or service must sound _ andmarketable,enough to convince people to become investors.A.sustainableB.feasibleC.probableD.eligible【答案】B17、资料：Think for a moment of your definition of persuasion.If youare like most business people I have encountered,you see

10、persuasionas a relatively staightforward process.First,you strongly stateyour position.Second,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 e

11、nthusiasm to get others to buya good idea.The reality is that following this process is onesurefire 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.E

12、ffective persuaders are open-mindedD.Most businesspeople are more assertive in their persuasion whileeffective persuaders are more friendly【答案】B18、Passage 8A.cause it can help a would to dryB.Because it can cover a rough surfaceBBecause it can make a wouldsmoothC.Because it can prevent disease enter

13、ing a wound【答案】A19、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.even if we can see wellB.only when we cannot see perfectlyC.only when we realize how important our eyes areD.only when we can see well【

14、答案】A20、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 applyfor a credit card.Then,she and her classmates played thestock marketgame,investing（投资）the hyp

15、othetical（虚拟的）earnings from theirhypothetical jobs in the market in the disastrous fall of 2008.Ourpretend investments crashed,Ray says,still frightened.We got toknow how it felt to lose money.A.ways to teach students to earn moneyB.how Diane Ray learns to value moneyC.the push to teach personal fin

16、ance in schoolD.how students choose a proper financial class【答案】C21、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.November 16 from 5 p.m.to 9 p.m.We are lookingfor food service,entertainers,and mainten

17、ances staff to work aboardour many vessels.Free travel is just the beginning when you work forSilver Poseidon Cruises.A.Career advancement opportunitiesB.Paid training programsC.Free travelD.Time off for holidays【答案】D22、无论是绝对剩余价值还是相对剩余价值都是依靠（）。A.延长工人工作时间而获得的B.提高劳动生产率而获得的C.增加剩余劳动时间而获得的D.降低工人的工资而获得的【答

18、案】C23、商业银行经营的核心是（）。A.扩大贷款规模B.市场营销C.增加资本金D.提髙收益【答案】B24、根据个人外汇管理办法的规定，下列说法不正确的是（）。A.外汇账户按主体类别区分为境内个人外汇账户和境外个人外汇账户B.外汇账户按账户性质区分为外汇结算账户、资本项目账户及外汇储蓄账户C.结算账户用于转账汇款等资金清算支付D.储蓄账户可用于外汇存取与转账【答案】D25、农村革命根据地大多分布在南方，主要原因是（）。A.北伐战争的影响B.北方是军阀统治中心C.南方地形复杂，便于开展游击战争D.农村革命根据地的领导人多是南方人【答案】A26、关于通货膨胀的成因，下列说法不正确的是（）。A.失业

19、率居高不下时也可能出现高通货膨胀B.在总需求和总供给相对平衡的条件下，某些结构性因素也可能导致通货膨胀C.货币供给的扩张并非需求拉动型通货膨胀的唯一根源D.货币是导致通货膨胀的唯一重要的因素【答案】D27、资料：You can not go forward by going backward.Take the currentdebate about trade and globalization,for instance,while the impulseto erect trade barriers is understandable given the pain experiencedin

20、 recent years,it is not the way to create lasting growth andshared prosperity.A.Trade and globalization are debatableB.Erecting trade barriers can not bring growth and prosperityC.Trade and globalization have caused severe pain in recent yearsD.Opposing trade and globalization is understandable and

21、reasonable【答案】B28、资料：Seeking to end a stalemate in negotiations over hercountrys withdrawal from the European Union,Prime Minister TheresaMay of Britain offered Friday substantial payments to the bloc duringa two-year transition period immediately after the countrys exit.A.Britain has agreed to disc

22、uss the conditions of the exit beforediscussing the future trade tiesB.Theresa May has mapped out the blue print of the relations betweenBritain and EUC.EU might not be satisfied with Mays SpeechD.Britain is fully prepared to withdraw from EU in an orderly way【答案】C29、In addition to bending back and

23、forth and swaying sideways,buildings can_,and these various motions can reinforce oneanother.A.imagineB.conceiveC.describeD.twist【答案】D30、使预算约束线在保持斜率不变的条件下作远离原点运动的是（）。A.x 的价格上涨 10%而 y 的价格下降 10%B.x 和 y 的价格都上涨 10%，收入下降 5%C.x 和 y 的价格都下降 10%，收入不变D.x 和 y 的价格都上涨 10%，收入上涨 5%【答案】C31、资料：The business announced

24、 that revenues had grown by 10.2percent year-on-year to RMB 18.264 billion（$2.748billion）.However,profit fell to RMB 2.866 billion（$431.3 billion）,a 17.4 percentdecrease from the same period in 2015.A.Baidu has been cutting off their costsB.Baidus profit has fallenC.Baidus revenues have been falling

25、D.Baidu has been losing money【答案】B32、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 packaging that counts but the whole corporateidentity of the company.A.Hair style and clothes;corporate identityB.C

26、olors and symbols;culture and identityC.Hair style and clothes;imageD.Colors and symbols;taste and mission【答案】B33、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.5.6%B.7.1%C.16.1%D.24.4

27、%【答案】A34、The WHO says there is currently no evidence of human-to-human_ of the virus.A.translationB.transitionC.transmissionD.transaction【答案】C35、资料：FAST cars whizz around，malls are full of expensiveluxuries and cranes dominate the skyline.But scratch the shimmeringsurface of the Gulf and you soon fi

28、nd countries hurting from the lowoil price，currently around$40 a barrel.Growth is slowing andunemployment is rising.Policy makers even dare utter a three-letter“t”word until recently taboo：tax.A.Luxury landmarks dominate Gulf skylineB.Oil price is boomingC.Gulf authorities refuse to raise taxesD.Oil

29、 Price is around$40 per gallon【答案】A36、资料：It seems simple enough.Take all the line-forming andpaper-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.Good

30、bye bureaucracy,hello e-cracy?A.To show that e-government will add new costsB.To show that the e-government is useless in some casesC.To show that physical stations are not functioning wellD.To show that the e-government will replace physical stations【答案】A37、()会增加失业。A.退休工人的数量增加B.退休劳动力队伍的人数增加C.离开学校找工

31、作的人数增加 D*离开工作上学的人数增加【答案】C38、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was nearly impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for

32、 admission（录取）to medical schools,she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.She wrote too many lettersB.She couldnt graduate from medical schoolC.She was a womanD.She couldnt set up he

33、r hospital【答案】C39、资料：Italys next government,a coalition between thepopulistFive Star Movement and the far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to leave the euro or ask theEuropean Central Bank to forgive 250bn（$292bn）of

34、Italian debt.But less attention has been paid to what it might mean for Italianbanks,and in particular for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any country in the European Union.（1）A.Bad loans remain a concern in Italy and

35、across southern EuropeB.Italy will be the largest source of NPLs for the foreseeable futureC.Italy asks the European Central Bank to forgive its debtD.Investors can trade in NPLs across 11 European countries【答案】B40、资料：Early ExperiencesA.The nearest customersB.The virtual customersC.People that prete

36、nd to be customersD.The VIPs【答案】C41、某企业 2010 年 12 月 31 日银行存款日记账账面余额为 217300 元，开户行送来的对账单 所列本企业存款余额为 254690 元，经核对，发现未达账项如下：银行已收、企业未收款 42100 元，银行已付、企业未付款 5000 元，企业巳收、银行未收款 21600 元，企业已付、银行 未付款 21890 元。则该企业可动用的银行存款实有数是（）元。A.217300B.254690C.254400D.276290【答案】C42、资料：The poverty line is the minimum income t

37、hat people needfor an acceptable standard of living.People with incomes below thepoverty line are considered poor.Economists study the causes ofpoverty in order to find solutions to the problem.A.The growing national economyB.The tax collections from the non-poor classesC.More choices of selectable

38、job vacanciesD.Goverrnments investments on the poor to improve their workingskills【答案】B43、甲股票的每股税后盈利为 1 元，市盈率水平为 15,估算该股票的发行价格为（）元。A.13B.15C.20D.25【答案】B44、I could speak_ Japanese_ Chinese,so I had to talk withhim in English.A.not only；but alsoB.both；andC.neither；norD.either；or【答案】C45、实行混业经营集中监管的国家，对

39、银行机构业务经营的范围（）。A.实行严格的限制B.实行一定程度的限制C.基本没有限制D.完全没有限制【答案】B46、All（）is a continuous supply of fuel oil.A.what is neededB.that is neededC.the thing neededD.for their needs【答案】B47、The seaside draws a lot of attention here every summer.Warmsunshine and soft sands make（）it is.A.whatB.whichC.howD.where【答案】A48

40、、Uranus,_ is much more massive than the Earth,seems tohave been tipped over so that it lies on its side.A.whatB.whoC.thatD.winch【答案】D49、中国银行业协会的日常办事机构为（）。A.会员大会B.理事会C.常务理事会D.秘书处【答案】D50、中国人民银行发布的 2019 年第三季度中国货币政策执行报告称，当前，中国仍实施常态货币政策。央行通过创新和完善宏观调控，运用多种货币政策工具，保持流动性合理充裕；加大货币政策逆周期调节力度，通过改善货币政策传导机制，落实金融对实

41、体经济的支持。A.降低金融机构贷款利率B.降低金融机构法定存款准备金率C.降低企业税费率D.减少行政管理手段运用【答案】B多选题（共多选题（共 2020 题）题）1、新巴赛尔资本协议的“三大支柱”是指（）。A.最低资本要求B.监管当局的监督检查C.市场约束D.银行治理结构【答案】ABC2、下列关于中央银行持有证券并进行买卖目的的说法中，正确的有（）。A.投放基础货币B.回笼基础货币C.调节货币供应量D.盈利【答案】ABC3、以下选项中，属于传统加密方法的是（）。A.替代密码B.换位密码C.双钥技术D.公共密钥加密 PKE 技术【答案】AB4、根据商业银行合规风险管理指引，下列属于合规风险管理体

42、系基本要素的有（）。A.合规管理部门的组织结构和资源B.合规风险管理计划C.合规政策D.合规风险识别和管理流程E.合规培训和教育制度【答案】ABCD5、凡是进入财务报表中的会计信息，必须符合的标准有（）。A.定义要符合财务报表某一要素的定义B.能够可靠地予以计量C.有关信息在企业决策中有举足轻重的作用D.信息反映真实可靠【答案】ABCD6、银行业从业人员在向客户进行营销活动时，明显违反了风险提示原则的行为有（）。A.着力推荐对自己奖金有利的产品B.详细介绍产品或服务的有利之处与缺陷C.以不足以引起客户注意的方式提示免责条款D.提供虚假信息【答案】ACD7、下列各项中，属于管理费用核算内容的是（

43、）。A.企业在筹建期间的注册登记费B.企业缴纳的矿产资源补偿费C.企业缴纳的排污费用D.业务招待费【答案】ABCD8、“激励内容”理论包括（）。A.期望理论B.需要层次理论C.双因素理论D.强化理论【答案】BC9、以下（）业务必须到开户银行网点办理。A.存折类储蓄存款的销户B.个人通知存款的预约、支取C.定期储蓄存款的部分提前支取D.口头挂失【答案】ABC10、国际收支包括（）。A.贸易收支B.劳务收支C.外资对华直接投资D.政府和银行的借款及企业信贷【答案】ABCD11、犯罪的基本特征包括（）。A.社会危害性B.刑事违法性C.应受惩罚性D.追诉时效性【答案】ABC12、西方商业银行的资产负债

44、管理理论经历的主要阶段有（）。A.资产负债比例管理理论B.资产管理理论C.负债管理理论D.资产负债管理理论【答案】BCD13、以下（）业务必须到开户银行网点办理。A.存折类储蓄存款的销户B.个人通知存款的预约、支取C.定期储蓄存款的部分提前支取D.口头挂失【答案】ABC14、一般来说，账户的基本结构具体包括的内容有（）。A.账户的名称B.记录经济业务的日期C.摘要和凭证的编号D.增加、减少的金额及余额【答案】ABCD15、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

45、上限，资金从商业银行流入金融市场。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】ABCD16、价格受供求的影响，围绕价值上下波动，不是对价值规律的否定，而是价值规律作用的表现形式。这是因为（）。A.各种商品价格的变动，是以各自的价值为基础的B.价格变化不会无限脱离价值，说明价格归根结底受价值制约C.从商品交换的总体看，价格总额与价值总额是相等的D.从商品交换的较长时间看，价格与价值是趋于一致的【答案】ABCD17、银行的流动资产主要包括(

46、)等。A.短期贷款B.拆放同业C.短期投资D.存放款项【答案】ABCD18、商业银行存放在中央银行的存款可以分为（）。A.一般性存款B.同业存款C.定期存款D.存款准备金存款【答案】AD19、下列属于银行业金融机构的有（）。A.中国进出口银行B.村镇银行C.资产管理公司D.汽车金融公司【答案】AB20、2013 2014 年度的非常任理事国有（）。A.日本B.阿根廷C.澳大利亚D.韩国【答案】BCD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：

47、(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

48、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”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

49、折扣成本最“高”的供应商。二、结合中国实际，写一篇 1000 字以上的商业评论。零利率是货币经济学里面的一个神话，即是说利率不可能达到零以下，如果达到零以下，人们都会囤积现金。这个理论被称为零开氏度货币利率的一个极限。瑞典央行在 2009 年曾下调了存款准备金利率。使得存款准备金利率在负值。此举引发了两个问题：是否应该这样做?能否做到?请谈谈你的看法。【答案】我认为是能够做到的。首先，现代央行管理下的利率不止一个。瑞典央行没有把所有的利率都降至零以下，调整的只有存款准备金利率，即各银行存放在央行的存款利率。施行存款负利率是为了阻碍银行以央行准备金的形式囤积过剩的流动性而不贷款给客户。该央行实行

50、负利率，是为了一种目的性很强的操作。因此，负利率并不是一个非此即彼的命题。其次，即便我们接受一个下限的存在，它也可能不是零。零下限的传统论据是：人们肯定会把存款变成现金，但他们必须把现金存放在某个地方并加以保护。这是要花钱的。美联储一位官员曾说，他估计实际存储的成本介于现金价值的 1至 2之间。这意味着，-1或-2的利率，可能不会引发人们大规模的提现行为。在这个利率水平上，人们和银行还是愿意把多余现金作为存款，而不是把它藏在床下，并雇佣 24 小时保安来看守。存储成本仍意味着一个下限，而这个下限是零以下。最后，央行可能会利用政策阻碍囤积现金的行为。一种极端的做法是，给现金做上标记，并给纸币设定