贵州省2023年银行招聘之银行招聘综合知识通关考试题库带答案解析.doc

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1、贵州省贵州省 20232023 年银行招聘之银行招聘综合知识通关考年银行招聘之银行招聘综合知识通关考试题库带答案解析试题库带答案解析单选题（共单选题（共 5050 题）题）1、下列关于外汇科目的说法中，正确的是（）。A.“外汇买卖”科目本身属于资产性质B.“外汇买卖”科目本身属于负债性质C.“外汇买卖”科目是一个实体性质的科目D.“外汇买卖”科目仅仅起本外币转账中平衡借贷关系的作用【答案】D2、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】B3、资料：Dream is a story that a person watch

2、es or even takes part induring 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,and still others are frightening.Everyone dreams,but somepersons never recall dr

3、eaming.Others remember only a little about adream they had just before awakening and nothing about earlier dreams.No one recalls all his dreams.A.Dream involves events that always happen in real lifeB.Dream is an imaginary story which seems real while taking placeC.Dream is related to the dreamers r

4、eal lifeD.Dream is a confusing story which involves little logic thought【答案】A4、资料：Demystifying how social and human-like robots work is vitalso that we can understand and shape how they will affect our future,Dr Hatice Gunes will tell the Hay Festival next week.(1)A.With the development of human rob

5、ot interaction,robots ae now ableto communicate with humans in an effective wayB.Scientists have many challenges in developing robots,such as howto modify their appearance and behaviorC.Human emotions enable robots to win the trust from human,especially the elderly and childrenD.It is important to h

6、elp people understand robots in order todevelop robots to human needs【答案】D5、Dream is a story that a person watches or even takes part induring sleep.Dream events are imaginary,but they are related to realexperiences and needs in the dreamers life.A.the sleepers wishesB.the sleepers imaginationC.the

7、sleepers feelingD.the sleepers own mind【答案】D6、Tom!You（）on the phone just now,but you（）in.A.wanted,wereB.are wanted,areC.were wanted,werentD.called,arent【答案】C7、资料：In the United States of America,banks are categorized intothe federally-chartered bank which received their charter from theOffice of the

8、Comptroller of the Currency（OCC）;these are referredto as“National Banks”;and also the states-chartered banks whichreceive their charter from the superintendent to as“State Banks”.Banks are allowed to register either with the federal or the stateauthority.Let us now look at the organizational structu

9、re ofCommercial Banks,which include unit banking,group banking andbranch banking.A.Banking and Non-banking in the USAB.Banks in the USAC.Bankers in the USAD.Banking in the USA【答案】B8、中国进出口银行的主要任务不包括（）。A.筹集和引导境内外资金B.执行国家产业政策和外贸政策C.为扩大我国机电产品和成套设备等资本性货物出口提供政策性金融支持D.促进对外贸易的稳定发展【答案】A9、公共物品消费的性质是（）。A.非竞争性和

10、非排他性B.非竞争性和排他性C.竞争性和非排他性D.竞争性和排他性【答案】A10、资料：Google and Uber have grabbed most of the attentionregarding the advent of self-driving cars,but on Sunday,Lyft threwdown the ultimate challenge:A majority of autonomous vehicles forLyft within a mere five years.A.At almost unprecedented moment in history,w

11、e should reach ourpotential to decide whether to take the right pathB.At almost unprecedented moment in history we should reach ourpotential to decide whether to take decisive actionC.At almost unprecedented moment history,we should reach ourpotential to choose the right answers to all the problems

12、encounteredby usD.At almost unprecedented moment in history we should our potentialto realize the advent of the era of self-driving cars【答案】D11、每个组织都需要注意本组织优良文化的积累，把组织精神灌输到一代又一代，这体现了组织文化的哪个特征？（）A.实践性B.可塑性C.传承性D.独特性【答案】C12、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】C13

13、、The fact is that _ is given to seniority and many peoplewould rather be the tail of a lion than the head of a dog.A.priorityB.focusC.emphasisD.attention【答案】A14、资料：To：Sherry LintonA.Getting the approval from the Manchester officeB.Passing the order to Christine HantkeC.Using the petty cash accountD.

14、Completing a purchase order【答案】C15、资料：Our goal with the new MacBook was to do the 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 n

15、ew notebook.Its the future of the notebook.And now,withsixth-generation Intel processors,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】B16、某企业进行一项投资，有甲、乙两个方案，甲方案的计算期为 16 年净现值为 240

16、万元，乙方案的计算期为 12 年，计算使用的折现率是 8。某企业使用最短计算期法将甲方案的净现值调整为（）。A.240(PA，8，12)(AP，8，16)B.240(AP，8，12)(PA，8，16)C.240(PA，8，12)(PA，8，16)D.240(PA，8，12)(PA，8，16)【答案】A17、资料：As a business owner，it is vital that you understand anduse advanced technologies.Technology can help increase businessefficiency and even expan

17、d operations.A.TechnologyB.CultureC.BusinessD.Social【答案】A18、Passengers should possess boarding pass，valid passport，visa，exit registration card，and immigration certificate _ byrelated department.A.issuedB.madeC.identifiedD.designed【答案】A19、我国对不正当竞争行为进行监督检査的主管部门是（）。A.国内贸易部B.技术监督局C.工商行政管理局D.物价局【答案】C20、T

18、o meet the ethical requirements,the participants were informedthat their involvement in the study was voluntary and that theirpersonal privacy would be treated_.A.confidentiallyB.proudlyC.confidentlyD.secretly【答案】A21、甲乙两人相约同时从 AB 两地相向而行，10 个小时后相遇。但实际上甲先从 A 地出发，2 个小时后乙才出发，乙出发 60 分钟后，双方之间的距离是两人走过的距离的三

19、倍。已知甲比乙每小时多走 10 公里，则 AB 两地之间的距离是多少公里？（）A.200B.100C.250D.150【答案】A22、资料：The societal marketing concept questions whether the puremarketing concept overlooks possible conflicts between consumersshort-run wants and consumer long-run welfare.Is a firm thatsatisfies the immediate needs and wants of target

20、 markets alwaysdoing whats best for consumers in the long run？The societalmarketing concept holds that marketing strategy should deliver valueto customers in a way that maintains or improves both the consumersand societys well-being.A.generates carbon dioxide emissions that contribute to globalwarmi

21、ngB.produces healthy products with the“green”packagesC.is highly successful because it run against the society long-runinterestsD.takes water from pristine lakes and snow-capped mountains【答案】A23、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】B2

22、4、资料：Being financially secure in retirement just doesnt happenmagically.It takes lots of planning,time and savings.A.the governmentB.both the employer and the governmentC.the employerD.the employer,the government and the media【答案】B25、我国正式被批准成为世界贸易组织成员是在（）。A.2001 年 11 月B.2001 年 9 月C.2001 年 10 月D.2001

23、 年 12 月【答案】A26、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】B27、资料：Procrastination comes in many disguises.We might resolveto tackle a task,but find endless reasons to defer it.

24、We mightprioritize things we can readily tick off our to-do list-answeringemails,say-while leaving the big,complex stuff untouched foranother day.We can look and feel busy.while artfully avoiding thetanks that really matter.And when we look at those rolling,longuntouched items at the bottom of our t

25、o-do list,we cant help butfeel a little disappointed in ourselves.A.Concrete things are more attractive than the abstract thingsB.The long term upside is easily dominated by short-term effort inour mindsC.We cannot avoid present bias in our brainD.The brain can be trained to procrastinate often【答案】B

26、28、If English means endless new words，difficult grammar andsometimes strange pronunciation，you are wrong.Havent you noticedthat you have become smarter since you started to learn a languageA.introduce a new course to studentsB.help students learn about investmentC.teach how to apply for a credit car

27、dD.encourage studentspersonal savings【答案】B29、下来关于“服务业营业税改征增值税”的说法正确的是（）。A.服务业营业税改征增值税是指根据服务业的营业税修改增值税B.改革只针对服务行业C.服务业营业税改征增值税是指对服务业由征收营业税改为征收增值税D.试点行业的总体税负略有增加【答案】C30、不能向居民发放贷款的金融机构是（）。A.中国农业发展银行B.中国建设银行C.农村信用合作社D.城市商业银行【答案】A31、王某整日游手好闲，为了达到骗取钱财的目的，便假装为一公司销售人员，骗取蓝玉棉花厂总经理的信任，签订了一份虚假经济合同。王某将骗取的棉花转卖，所得

28、被其全部挥霍，据查该批棉花价值 7 万多元。王某的行为构成（）。A.投机倒把罪B.诈骗罪C.合同诈骗罪D.妨害社会管理秩序罪【答案】C32、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】C33、纸币产生于货币的（）职能。A.价值尺度B.流通手段C.贮藏手段D.支付手段【答案】B34、资料：Imagine you went to a restaurant with your girlfriend,hada burger,p

29、aid with a credit card,and left.The next time you gothere,the waiter or waitress,armed with your profile 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

30、on the table.Forget the fact that you are with another date and are on a diet thatdoesnt include burgers.A.DoubtfulB.ApprovingC.WelcomingD.Optimistic【答案】A35、But at the same time,77 percent of moms and dads_that the Webis crucial to learning,and an overwhelming 91 percent admit that ithelps their kid

31、s explore things theyre passionate about.A.recognizeB.announceC.distinguishD.assert【答案】A36、He had _speak _ the audience interrupted him.A.had started to.whenB.hardly begun to.beforeC.nearly going to.thanD.just about to.that【答案】B37、资料：Anything that affects the smooth flow of information isknown as no

32、ise.This might be,for example,the language used,an inappropriate use of technology or the different levels of skill andknowledge of the sender and receiver.For example,every day in thepress and on TV,consumers are bombarded with often confusing orcontradictory information about the health benefits o

33、r risksassociated with different foods.Consumers may not have enoughunderstanding or information to judge between conflicting messages.It is therefore not surprising that many people do not hear thesemessages and switch off.A.because they may not have enough understanding or informationB.because the

34、 messages are spread on newspapersC.because they care more about health risks associated with differentfoodsD.not mentioned【答案】A38、下列属于增值税征收的事项是（）。A.某公司出售办公大楼B.某电力公司销售电力C.某公司转让土地使用权D.某农民销售自产农产品【答案】B39、_ that the pilot couldnt fly through it.A.The storm so severe wasB.So severe was the stormC.So the

35、storm was severeD.Such was the storm severe【答案】B40、金某与妻子叶某于 2013 年 6 月 4 日在明华小区租了一套房子居住，与房东书面约定租期为 2013 年 6 月 5 日至 2015 年 5 月 10 日，并按时交付租金。2014年 11 月 3 日，金某遭遇交通事故意外身亡。则在租赁期间（）。A.叶某可以按原租赁合同租赁该房屋B.叶某若继续租赁房屋，须重新订立租赁合同C.原租赁合同终止，不得继续租赁该房屋D.叶某必须按原租赁合同租赁该房屋【答案】A41、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

36、。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】C42、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.Whats in the image?B

37、.What attracts customers?C.Whats in a logo?D.None of above【答案】B43、下列属于柜台市场的是（）。A.第四市场B.第三市场C.深圳证券交易所D.NASDAQ 系统【答案】D44、资料：The personal computer was a revolution in informationtechnology that spawned a$50 billion hardware business,with another$30 billion in software and peripherals（eg.mouse,keyboard,

38、printer,etc.）by 1991.During its short 15 years,the industryevolved through three successive periods.During its first 5 to 6years,it was characterized by explosive growth and multiple,smallcompetitors vying for a piece of the market.From 1981 to 1985,theindustry became a battle for standards and reta

39、il shelf space.Thethird era was one of increasing fragmentation.From 1986 through1991-1992,new manufacturers from around the world grabbed from theindustry leaders as new channels of distribution emerged and productinnovation as well as revenue growth slowed.A.Around 1981B.Around 1986C.Around 1976D.

40、Around 1992【答案】C45、资料：Placing 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 B

41、usiness School in Massachusetts.Forbusinesses with 2，000 employees,this translates into an additional$1 million in profit each year，the study said.A.Cornerstone On Demand is a provider of cloud-based learning andtalent-management softwareB.Placing the right type of workers together will generate 15%

42、increase in performanceC.Smarter seating can affect companys performanceD.A study about how a firm get additional profit【答案】B46、货币流通规律是（）。A.关于流通中所需货币量的规律B.关于货币本质的规律C.关于通货膨胀的规律D.关于通货紧缩的规律【答案】A47、下列会计基本假设中，()是指企业会计确认、计量和报告的空间范围。A.会计分期B.会计主体C.持续经营D.货币计量【答案】B48、We can give_depending on the model number.

43、A.accountB.disciplineC.discountD.disconnect【答案】C49、资料：FOR TWO MARKETING EXECUTIVESA.Emma,master degree in English,frequent business trips areacceptableB.Li Lei,master degree in Management,3 years experience inmarketing,good English and computer skillsC.Jack,bachelor degree in Management,good English

44、D.Jimmy,master degree in Marketing,2 years experience inmarketing,good English and computer skills【答案】B50、（）将引起美元对日元贬值。A.美国的货币供给增加B.美国的利率上升C.日本的利率下降D.日本从美国的进口增加【答案】A多选题（共多选题（共 2020 题）题）1、银行的结算原则是（）。A.恪守信用，履约付款B.先收后付.收妥抵用C.谁的钱进谁的账，由谁支配D.银行不垫付【答案】ACD2、下列关于权责发生制的说法中，正确的有（）。A.以本期是否有收款的权利或付款的义务为标准来确认本期的收

45、入和费用B.当期已经发生的收入，如果款项没有收到，就不应当作为当期收入C.不属于当期的收入，即使款项在当期收到，也不应当作为当期收入D.不能将预收或预付的款项作为本期的收入或费用处理【答案】CD3、在经济萧条时。财政可以通过（）来扩大需求，刺激经济发展。A.减少福利补贴支出B.降低税率C.增加政府采购D.提高财政补贴【答案】BCD4、关于中行社会责任和慈善活动，中国银行荣获（）奖项。A.最具社会责任感品牌B.最具社会责任金融机构奖C.社会责任最佳公益慈善贡献奖D.最具慈善行动力品牌【答案】BC5、孔子整理编订的“六经”是指（）。A.易诗B.礼乐C.尚书春秋D.书义【答案】ABC6、审查现金收付

46、业务是否合法、合规，具体内容包括()。A.现金收支是否符合规定范围B.现金收入是否全部解入银行，有无坐支C.会计与出纳是否进行分工，是否职权分离，手续是否清楚D.有无属于非业务范围的大额现金收支，应经审批的费用支出是否经过批准【答案】ABCD7、前景理论是由卡尼曼通过修正最大主观期望效用理论发展而来的。由该理论引申出以下四个基本结论，其中正确的是（）。A.大多数人在面临损失的时候是风险喜好的B.大多数人对得失的判断往往根据参考点决定C.大多数人对损失比对收益更加敏感D.大多数人在面临获利的时候是风险规避的【答案】ABCD8、关于贷款利息管理，下列表述正确的有（）。A.贷款贴息应当坚持“谁确定谁

47、贴息”的原则B.对于逾期贷款，贷款人不得带有惩罚性地加收利息C.贷款贴息中应补贴的贷款利息，由中国人民银行决定各商业银行平均承担的数额D.对于逾期贷款，贷款人应当按照规定带有惩罚性地合法加收利息【答案】AD9、会计科目按其核算详细程度不同，可以分为（）。A.总分类科目B.子目C.资产类科目D.明细科目【答案】ABD10、下列四项中，错误的 IP 地址有（）。A.60.268.24.168B.111.111.111.111C.192.168.0.256D.202，22.201.10【答案】AC11、下列属于双激励法中的保健因素的是（）。A.政策和管理B.技术监督C.工作条件D.成就和责任【答案】

48、ABC12、直接金融市场包括（）。A.股票发行市场B.债券发行市场C.银行信贷市场D.企业借贷市场【答案】AB13、在经济萧条时，财政可以通过（）来扩大需求，刺激经济发展。A.减少福利补贴支出B.降低税率C.增加政府支出D.提高财政补贴【答案】BCD14、现金审计是对()的审计。A.现金的核销B.现金的实存数C.现金收付业务D.现金的内控制度【答案】BCD15、下列属于流动负债的是（）。A.预收账款B.预付账款C.应收账款D.应付账款【答案】AD16、借款人有下列（）情形之一者，不得对其发放贷款。A.生产、经营或投资国家明文禁止的产品、项目的B.违反国家外汇管理规定的C.建设项目按国家规定应当

49、报有关部门批准而未取得批准文件的D.有其他严重违法经营行为的【答案】ABCD17、计算产权比率需用到的是（）。A.负债总额B.所有者权益C.利润D.资产【答案】AB18、对员工的绩效考核可以实行（）相结合的方式。A.直接主管考评B.同事互评和自我考评C.下属考评D.相关部门或人员考评【答案】ABCD19、货币结算形式有（）。A.现金结算B.转帐结算C.同城结算D.异地结算【答案】AB20、关于战略性人力资源管理产生的背景的说法，错误的有（）。A.战略性人力资源管理始于 20 世纪 80 年代B.闵斯特伯格的工业心理学研究标志着战略性人力资源管理的开端C.战略性人力资源管理要解决的问题是解释人力

50、资源管理如何对组织产生贡献D.战略性人力资源管理的理论基础是人际关系学说E.战略性人力资源管理的方法是使人力资源管理与组织的战略相分离【答案】BD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)若该店以此数量订货，则