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1、2022银行招聘考试考试真题及答案5卷2022银行招聘考试考试真题及答案5卷 第1卷 影响我国货币需求的因素有（）。A.价格B.收入C.利率D.货币流通速度E.金融资产收益率 答案：A,B,C,D,E解析：影响我国货币需求的因素有：收入；价格；利率；货币流通速度；金融资产的收益率；企业与个人对利率与价格的预期；财政收支状况；其他因素，如信用的发展状况、金融机构技术手段的先进和服务质量的优劣、国家的政治形势对货币需求的影响等。The passage intends to tell us that （）.A.the gloomy prospects of passing Reids bill on
2、 saving the auto industryB.the possibility of a compromise between two parties on bailing out auto industryC.the correlation between sescuing auto industry and two parties stanceD.the great difference between Democrats and Republics on rescuing in the Big Three答案：B解析：此类题需要通读文章大意，了解文章要表达的意思。以下关于市净率的说
3、法中，不正确的是（ ）。A.市净率，又称“净资产倍率”,是每股市场价格与每股净资产之间的比率B.市净率越小，说明股价处于较高水平C.市净率越大，说明股价处于较低水平D.与市净率相比，市盈率通常用于考察股票的内在价值，多为长期投资者所重视答案：B,C,D解析：市净率，又称“净资产倍率”，是每股市场价格与每股净资产之间的比率。市净率越小（大），说明股价处于较低（高）水平。与市盈率相比，市净率通常用于考察股票的内在价值，多为长期投资者所重视，而市盈率用于考察股票的供求状况，更为短期投资者所 关注。所有的战争和混乱都是在没有协商、无理可讲的时候发生的，讲理和协商都离不开语言，然而并非有语言的地方就自动
4、会有说理，有语言的地方必须有自由才能有说理。由此可以推出( )。A.有语言和自由的地方就一定不会发生战争B.所有的战争和混乱都是因为没有自由而发生的C.如果没有自由，不能讲理，就可能发生战争和混乱D.并非所有的战争和混乱都是在不可以协商和不可以讲理的时候发生的答案：C解析：由题干可知，A项，有语言和自由不能推出讲理，也就不能推出没有战争和混乱，错误。B项，没有自由可以推出没有说理，但是没有说理不能推出战争和混乱，错误；C项没有自由就不能讲理，有可能发生战争和混乱，可由题干推出，正确；D项明显与题干第一句话意思矛盾。错误；故答案选C。通常认为人的审美判断是主观的，短时间内的确如此，人们对当代艺术
5、作品的评价就经常出现较大分歧。但是，随着时间的流逝，审美中的主观因素逐渐消失。当一件艺术作品历经几个世纪还能持续给人带来愉悦和美感，如同达芬奇的绘画和巴赫的音乐那样，我们就可以相当客观地称它为伟大的作品。 ( ) 以上陈述最好地支持了以下哪项陈述?.达芬奇、巴赫在世时人们对其作品的评价是不同的B.对于当代艺术作品的价值很难做出客观的认定C.对于同一件艺术作品不同时代人们的评价有很大差异D.如果批评家对一件当代艺术作品一致予以肯定，这件作品就是伟大的作品答案：B解析：题干认为，人的审美判断是主观的，因此对当代艺术作品的评价会经常出现很大分歧；但是主观因素会逐渐消失长时间来看就可以客观地评价出伟大
6、的作品。B项符合题干说法。A、C两项题干未涉及D项与题干说法不符。放答案选B。银行在经营过程中面临着哪些特殊风险?答案：解析： 银行在经营过程中的特殊风险有：信用风险；来自资产与负债失衡的风险：来自公众信任的风险；竞争的风险。In 1959 Frederick Herzberg developed the Two-Factor theory of motivation. His research showed that certain factors were the true motivators or satisfiers. Hygiene factors, in contrast, cr
7、eated dissatisfaction if they were absent or inadequate. Dissatisfaction could be prevented by improvements in hygiene factors but these improvements would not alone provide motivation. Herzberg showed that to truly motivate an employee a business needs to create conditions that make him or her feel
8、 fulfilled in the workplace.C Company aims to motivate its employees both by paying attention to hygiene factors and by enabling satisfiers. For example, it motivates and empowers its employees by appropriate and timely communication, by delegating responsibility and involving staff in decision maki
9、ng. It holds forums every year in which staff can be part of the discussions on pay rises. This shows recognition of the work people do and rewards them. The staff can even influence what food goes onto its restaurant menus. Employees thus become motivated to make choices that will increase their us
10、e of the restaurants.Which situation（s） makes you feel motivated or discouraged because of a hygiene factor A.Work happily with the colleagues of our teamB.My boss appreciates my project planC.am the best salesperson this yearD.All above答案：A解析：本题考查的是细节理解feel motivated or discouraged because of a hyg
11、iene factor文章中图片题目意为“出于保健因素，什么情况会让你感到有动力或者泄气？” 选项A 意为“我和团队里的同事相处很融洽”，符合右侧图片中的“Relationships with co-workers”; （同事关系）；选项B意为“我老板称赞了我的项目计划”，符合左侧图片的“Recognition”（认可）;选项C意为“我是本年最佳销售”，合左侧图片的“Achievement”（成就）;选项D 意为“以上全是”。只有A选项满足保健因素。2022银行招聘考试考试真题及答案5卷 第2卷资料：Seeking to end a stalemate in negotiations over
12、 her countrys withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition period immediately after the countrys exit.Mrs. Mays long-awaited intervention, during a speech in Florence, Italy, was being watched c
13、losely in capitals on the Continent and in London, where members of her cabinet have been fiercely divided over Britains tortuous divorce from the bloc. The speech aimed to open the way to serious negotiations on what is commonly known as Brexit, and to a broader and more productive discussion about
14、 Britains relationship with the bloc.However, while offering some concessions designed to do that, Mrs. May did not give any fresh insight into the type of ties she ultimately wants Britain to have to the bloc-a question that divides her cabinet and her Conservative, or Tory, Party.The European Unio
15、ns chief negotiators, Michel Barnier, issued a cautious response, saying in a statement that, “We look forward to the United Kingdoms negotiators explaining the concrete implications of Prime Minister Theresa Mays speech. Our ambition is to find a rapid agreement on the conditions of the United King
16、doms orderly withdrawal, as well as on a possible transition period.”Although Britain is scheduled to exit the European Union in 2022, there has been little progress in talks since March, when London formally announced its intention to leave. Brussels is insisting that Britain agree to the terms of
17、the divorce before discussing future trade ties, while the British would like to do both simultaneously.In light of the continuing standoff, many business worry about a “cliff edge” scenario, in which Britain would crash out without a deal, so Mrs. May is under pressure to find a way out of the impa
18、sses. Speaking in Florence on Friday, Mrs. May did not say precisely how much money Britain would continue to contribute to the European Union. But she made a significant promise that the British-who are big net contributors to the bloc-would not leave a hole in the unions budget in 2022 and 2022.“I
19、 do not want our partners to fear that they will need to pay more or receive less over the remainder of the current budget plan as a result of our decision to leave.” Mrs. May said. That would probably mean payments of around 20 billion euros, or about $24 billion, after Britains departure. It would
20、 also effectively maintain the state quo for the duration of a two-year transition period, meaning that Britain would allow the free movement of European workers and accept rulings from the European Court of Justice. This alone is unlikely to be enough to satisfy the 27 other member nations, but Mrs
21、. May hinted that she would be willing to go further and “honor commitments we have made during the period of our membership.”In addition, Mrs. May proposed a security partnership with the European Union, stressing Britains importance as a defense power, and also offered new legal safeguards to guar
22、antee the rights of European Union citizens in Britain after Brexit.Over all, Mrs. May sought to stress the common interest London shares with continental European capitals in reaching an agreement and avoiding disruption to trade, wrapping her odder in dialogue that was more positive, and less anta
23、gonistic, than that of some previous interventions. European Union negotiators have refused to talk about post-Brexit ties until they judge that there is “sufficient progress” on the issues they consider a priority. the states of European Union citizens in Britain after it leaves, the border between
24、 Ireland and Northern Ireland(which is a part of the United Kingdom)and Britains financial commitments to the bloc.There is little sign yet that the other 27 nations are prepared to grant Britain a bespoke agreement, and officials have warned London on numerous occasions that there would be no “cher
25、ry picking” of the parts of European Union membership it likes.Whats the main idea of this passage?A.Thereas Mays makes financial commitment to EU for the transition period.B.Britain insists on leaving EU without any agreement.C.EU wont talk to Britain unless Britain makes concessionsD.Thereas May s
26、eeks to unlock Brexit talks in her speech.答案：D解析：本题考查主旨大意。main idea; this passage第一段Seeking to end a stalemate in negotiations over her countrys withdrawal from the European Union, Prime Minister Theresa May of Britain offered Friday substantial payments to the bloc during a two-year transition peri
27、od immediately after the countrys exit. 为了在英国退出欧盟的谈判中谋求结束僵局，英国首相特蕾莎?梅星期五表示在该国退出后的两年过渡期内向该集团提供大额支付。第六段In light of the continuing standoff, many business worry about a “cliff edge” scenario, in which Britain would crash out without a deal, so Mrs. May is under pressure to find a way out of the impasse
28、s. 鉴于持续的对峙局面，许多企业担心“悬崖边缘”的局面，英国将在没有交易的情况下崩溃，因此，梅夫人压力重重，想找到摆脱僵局的办法。题目意为“这段话的主要思想是什么？”选项A意为“特蕾莎?梅承诺在过渡期向欧盟兑现财务承诺”；选项B意为“英国坚持离开欧盟而没有任何协议”；选项C意为“除非英国做出让步，否则欧盟不会与英国对话”；选项D意为“特蕾莎?梅寻求通过她的演讲中重启英国脱欧谈判”。根据全文推断，选项D与题意相符。我国平均每个专业技术系列中拥有的高级职称以上的高层次人才约为（）。A.466万人B.542万人C.571万人D.613万人答案：B解析：在全国29个专业技术系列中，高级职称以上的高层
29、次人才总计为l573万人，故平均每个专业技术系列中拥有的高级职称以上的高层次人才约为(1573+29)万人295=145，则157329=(145+123)+29=5+1232930。因此，本题选D。一般情况下，办公信息处理至少要包括数据处理、文字处理、（ ）、图形图像处理和网络支持等内容。A.算术处理 B.声音处理C.逻辑处理 D.网络处理答案：B解析：本题考查管理常识。办公信息处理系统的主要特点之一就是多媒体化，包括对数字、文字、图像、声音和动画的综合处理。故选B。 贷款呆账(损失)准备金计提范围不应该包括的项目是( )。A.各项贷款B.应收利息C.贴现D.同业拆出 答案：B解析：应收利息是指企业因债权投资而应收取的一年内到期收回的利息，它主要包括以下情况：一是企业购入的是分期付息到期还本的债券，在会计结算日，企业按规定所计提的应收款利息；二是企业购入债券时实际支付款项中所包含的已到期而尚未领取的债券利息。已到期而尚未领取的债券利息也是对分期付息债券而言的，不包括企业购入到期还本付息的长期债券应收利息。它不属于贷款呆账准备金计提范围。3,5,10,25,75,( ),875 A. 125 B. 250C. 275 D. 350答案：B解析：原数列符合通式250，故选B项。