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1、2022年银行招聘之银行招聘综合知识题库包过题库附参考答案（实用）第一部分 单选题(50题)1、When asked（）they needed most,children said they wanted more love and care.A.whatB.whyC.whomD.which【答案】： A 2、资料：Virgin America helped Airbus pip Boeing at the post to retain its crown as the worlds largest commercial plane maker.A.it has multiple option
2、s when it comes to its engineB.it is a single-aisle jetC.it is more fuel-efficient and environmental-friendlyD.it has a more powerful engine【答案】： C 3、标志着中国半殖民地半封建社会形成的是（）。A.北京条约B.马关条约C.中法条约D.辛丑条约【答案】： D 4、Contrary （ ） the popular opinion, higher taxes end up benefiting the citizens more than lower o
3、nes.A.forB.inC.toD.with【答案】： C 5、资料：You can not go forward by going backward. Take the current debate about trade and globalization, for instance, while the impulse to erect trade barriers is understandable given the pain experienced in recent years, it is not the way to create lasting growth and sh
4、ared prosperity.A.It is a one-size-fit-all solutionB.It is not helpful to those hurt by trade and globalizationC.It should meet the different needs of affected workforceD.It should not be talked about so often【答案】： C 6、关于商业银行理财业务的特点，下列表述不正确的是（）。A.银行是理财业务风险的主要承担者B.银行理财业务是“轻资本”业务C.理财业务是一项金融知识技术密集型业务D.
5、商业银行理财业务运作的不是银行自有资金，而是客户委托资金【答案】： A 7、Compared（）circuits built from separate components ICs are very much smaller,lighter,cheaper and more reliable.A.ofB.withC.toD.for【答案】： B 8、资料：How did Tencent take WeChat so far ahead of its rivals? The answer lies partly in the peculiarities of the local market.
6、 Unlike most Westerners, many Chinese possessed multiple mobile devices, and they quickly took to an app that offered then an easy way to integrate them all into a single digital identity. In America messaging apps had a potent competitor in the form of basic mobile-phone plans, which bundied in SMS
7、 messaging. But text messages were costly in China, so consumers eagerly adopted free messaging app. And e-mail never took off on the mainland the way it has around the world, mainly because the internet came late; that left an opening for messaging apps.A.On the mainland, mobile devices cost a lotB
8、.Text messages are less expensive than messaging app in AmericaC.Chinese people like messaging apps more than text messagesD.American messaging apps are not free【答案】： C 9、下列关于期权的说法中，（）是不正确的。A.期权的买方只有义务而没有权利B.期权的卖方没有选择权C.期权的交易对象是选择权D.期权的买方可以放弃行使期权【答案】： A 10、 关于会计核算的基本前提，下列说法中不正确的是（）。A.会计基本假设包括会计主体、持续
9、经营、会计分期和货币计量B.如果企业发生破产清算.经相关部门批准后，可以继续适用持续经营假设C.在我国.以公历年度作为企业的会计年度。即公历1月1日至12月31日D.会计的货币计量假设，包含了两层含义：一是以货币作为会计的统一计量单位：二是作为会计计量单位的货币.其币值是稳定不变的【答案】： B 11、下列对我国在高科技领域说法不正确的是（）。A.发展航天事业可以促进我国经济的发展B.高科技的竞争是综合国力竞争的实质C.高科技的竞争仅是国力竞争的一方面，综合国力竞争的实质是军事力量D.航天事业的发展，能够增强民族凝聚力【答案】： C 12、资料：最后，大家谈论了中国在绿色经济方面做出的杰出贡献
10、，请根据下列资料回答问题。A.More experience exchange and business developmentB.More passion towards this historical initiationC.More active attitude towards tacking climate changeD.More green investment chances【答案】： B 13、按照我国商业银行资产负债比例管理规定，人民币存贷款比例应小于等于（ ）。A.70%B.75%C.80%D.85%【答案】： B 14、资料：之后，经济学家Mr.X展望了中欧之间的商业机
11、遇，请根据下列资料回答问题。A.Hiring a local agent or 3PQ is most convenientB.Agents charge high pricesC.One should inspect the factories personallyD.Visiting a factory requires applications【答案】： A 15、Thats（）I dont agree.You should have a more active attitude.A.whereB.howC.whenD.what【答案】： A 16、The local area netw
12、ork also connects to a wide area network that allow a message _ across the country or to other countries.A.is sentB.to be sentC.sendingD.send【答案】： B 17、资料：Procrastination comes in many disguises. We might resolve to tackle a task, but find endless reasons to defer it. We might prioritize things we c
13、an readily tick off our to-do list- answering emails, say- while leaving the big, complex stuff untouched for another day. We can look and feel busy. while artfully avoiding the tanks that really matter. And when we look at those rolling, long untouched items at the bottom of our to-do list, we cant
14、 help but feel a little disappointed in ourselves.A.How to beat procrastinationB.Our brain and procrastinationC.Benefits and costs of procrastinationD.The perils of procrastination【答案】： A 18、资料：Its easy to trace the evolution of the automobile.At most，were only talking about a few centuries of techn
15、ological development，and most of the plans，prototypes and models are still around. With just a little research，you can easily trace the latest model electric hybrid back to its steam-powered ancestors.A.methods of genealogyB.methods of archaeology linguisticsC.methods of anthropologyD.methods of pri
16、matology【答案】： D 19、趋同适应是指亲缘关系相当疏远的不同种类的生物，由于长期生活在相同或相似的环境中，接受同样生态环境选择，在外貌形态、内部结构、生活特点、生理特征及发育等多方面表现出相似性，具有相同或相近的形态。A.在同一片森林的地被层和草本层中，栖息着两栖类、爬行类等动物;在森林的下层灌木林和幼林中，栖息着莺、苇莺和花鼠等；在森林的中层栖息着山雀、啄木鸟、松鼠和貂等；而在树冠层则栖息着柳莺、交嘴和戴菊等。B.哺乳类的鲸、海豚、海象、海豹，鱼类的鲨鱼，它们在亲缘关系上相距甚远，但都长期生活在海洋中，整个身躯形成为适于游泳的纺锤形。C.沙漠植物都是肉质叶或者茎，雨淋植物都是宽叶
17、而寒带植物多是针叶。D.蝙蝠、翼龙、鸟类为了飞翔，将前肢进化成强有力的翅。【答案】： A 20、Golf Weekly is a newly published magazine that caters_to experienced and inexperienced golfers who are just learning to play the game.A.bothB.neitherC.eitherD.so【答案】： A 21、资料：A high-precision NASA radar instrument left a NASA airport in Southern Califo
18、rnia for Iceland on January 28 to create detailed maps of how glaciers move in the dead of winter. This will help scientists around the world better understand some of the most basic processes involved in melting glaciers, which are major contributors to rising sea levels.A.To investigate the climat
19、e changeB.To make maps about moving glaciersC.To measure the rising sea levelsD.To slow the melting process of glaciers【答案】： B 22、需求拉上的通货膨胀可以通俗地表述为（ ）。A.太多的货币追求太多的商品B.太多的货币追求太少的商品C.太少的货币追求太多的商品D.太少的货币追求太少的商品【答案】： B 23、It is said that he（）for several years.A.had diedB.has been deadC.diedD.has dead【答案
20、】： B 24、She was very_of our efforts to help.A.appreciatingB.appreciativeC.appreciateD.appreciable【答案】： B 25、资料：Zhang Qiaoli uses her spare bedroom for storing her stock of ladies fashion-wear and photo shoots. She is one of more than five million small online stores operating across China, some from
21、 small apartments or even college dormitories. She buys dresses and accessories wholesale; at prices under $5, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.A.She sells dresses and accessories on TaobaoB.She buys goods at higher prices and manages to sell large n
22、umber of themC.She purchases goods at wholesale and sell them online at higher pricesD.She makes profits by selling dresses and accessories at retail stores【答案】： C 26、阅读理解A.the distortion of reality by scienceB.the confusion caused by emotionsC.Platonic and contemporary views of truthD.the place of
23、scientific truth in our lives【答案】： D 27、Most economic data,_regarding hiring is positive.A.completelyB.exclusivelyC.particularlyD.specifically【答案】： D 28、He said the UK government would allow the island to determine its own_and democracy.A.equalityB.enhancementC.agreementD.development【答案】： A 29、Adver
24、tising is _ into every aspect of our social life, and conveying cultural messages with the advantage of mass media.A.to penetrateB.penetratedC.being penetratedD.penetrating【答案】： D 30、The fire caused a lot of _to the building and factory machinery.A.damageB.harmC.injuryD.wound【答案】： A 31、下列叙述正确的是（ ）。A
25、.用高级程序语言编写的程序称为源程序B.计算机能直接识别并执行用汇编语言编写的程序C.机器语言编写的程序必须经过编译和连接后才能执行D.机器语言编写的程序具有良好的可移植性【答案】： A 32、”This is the best present Ive ever received,”Mary said with a smile trying to_her tears.A.keep downB.keep upC.keep backD.keep at【答案】： C 33、下列（ ）只能当作输入设备。A.扫描仪B.打印机C.读卡机D.磁带机【答案】： A 34、甲出资100万、乙出资200万、丙出资
26、400万作为股东，共同成立了丁有限责任公司。下列说法中正确的是（）。A.甲以600万出资额为限对丁公司承担责任B.乙以500万出资额为限对丁公司承担责任C.丙以300万出资额为限对丁公司承担责任D.丁以700万全部财产对公司债务承担责任【答案】： D 35、我国农村信用社改革采取成立（ ）三种模式。A.村镇银行、农村合作银行、以县市为单位统一法人B.农村商业银行、贷款公司、农村合作基金会C.农村合作银行、农村商业银行、小额贷款公司D.农村合作银行、农村商业银行、以县市为单位统一法人【答案】： D 36、资料：To manage teams organization require effect
27、ive managers.Highly skilled and trained managers can make more informed decisions. The use of beat practice models enables managers to ensure their teams operate efficiently.This will improve quality for customers as staff will be better trained to deal with customers needs.It will also improve team
28、 effectiveness and help organizations to perform better.A.Customers needsB.Practice modelsC.Books of managementD.A trained secretary【答案】： B 37、Upon completing his examination _ the patient, the docter offered his judgment of her condition.A.ofB.offC.aboutD.around【答案】： A 38、资料：Chinas Fosun has offere
29、d to buy almost 17 percent of Millennium BCP, Portugals largest listed bank, and potentially lift its stake to 30 percent, following a having in its share price in the year to date.A.YesB.NoC.Its up to Portuguese and EU authoritiesD.It depends on whether Fosun is able to appoint at least two of the
30、20 BCP board members, and up to five members in the event of increasing its stake【答案】： D 39、资料：Zhang Qiaoli uses her spare bedroom for storing her stock of ladies fashion-wear and photo shoots. She is one of more than five million small online stores operating across China, some from small apartment
31、s or even college dormitories. She buys dresses and accessories wholesale; at prices under $5, using the website Taobao, she sells them on as the Kitty Lover at prices under $10.A.defeatB.loseC.stepD.damage【答案】： A 40、After the storm, the lake returned to its usual _ state.A.flaccidB.placidC.lucidD.a
32、cid【答案】： B 41、资料：Imagine you went to a restaurant with your girlfriend, had a burger, paid with a credit card, and left. The next time you go there, the waiter or waitress, armed with your profile data, greets you with, “Hey Joe, how are you？ Mary is over there in the seat you sat last time. Would y
33、ou like to join her for dinner again？” Then you 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 that doesnt include burgers.A.Alexa is named after an ancient hero in EgyptB.Alexa is installed in librariesC.Alexa can
34、provide all the necessary information about historyD.Alexa can provide more data to marketers than a cookie【答案】： D 42、资料：The market is a concept. If you are growing tomatoes in your backyard for sale you are producing for the market. You might sell some to your neighbor and some to the local manager
35、 of the supermarket. But in either case, you are producing for the market. Your efforts are being directed by the market. If people stop buying tomatoes, you will stop producing them. A.borrow a book from the libraryB.look after your childrenC.drive to the seaside for a holidayD.dine at a restaurant
36、【答案】： D 43、资料：From:Gloria RichterA.An efficient way for the staff to deal with the large number of emailsB.More investment in the well-being of the staffC.Reopening of the staff loungeD.clarification of whom the staff should report their works to【答案】： B 44、我国专门为退市后的上市公司股份提供的继续流通场所为（ ）。A.二级市场B.银行柜台市场
37、C.三板市场D.中小企业板市场【答案】： C 45、It is not hard to read Arya,because she（）blushes with embarrassment when she has a terrible conversation with others.A.habituallyB.habitC.habitsD.habitual【答案】： A 46、High boots were the _ for women last year.A.vagueB.vainC.vogueD.void【答案】： C 47、They could give you a national
38、ly_qualification and the experience you need to get the job.A.recognizedB.viewedC.regardedD.realized【答案】： A 48、“七喜”汽水突出宣传自己不含咖啡因的特点，成为非可乐型饮料的主导者，它采取的是（）定位策略。A.市场渗透B.避强定位策略C.专业化营销D.迎头定位策略【答案】： B 49、2019年8月12日，中国银行与（）签署战略合作协议。双方将在推进金融业关键信息基础设施国产化、服务“一带一路”建设和助力脱贫攻坚战等方面进行战略合作。根据合作协议，双方将发挥各自优势，秉持互利共赢的原则，
39、建立多领域战略合作，实现共同发展。A.人民网B.新华通讯社C.南方周末D.新浪财经【答案】： B 50、有一笔国债，5年期，溢价20%发行，票面利率10%，单利计息，到期一次还本付清，其到期收益率是（）。A.4. 69%B.4.23%C.5.23%D.4.57%【答案】： D 第二部分 多选题(50题)1、金融衍生工具可以按照基础工具的种类，风险-收益特性以及自身交易方法的不同而有不同的分类。按照产品类型分类，金融衍生工具可以划分为（）。A.近期B.期权C.期货D.掉期【答案】： BCD 2、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】： AB
40、 3、在资金短缺的情况下，当利率放开后，可能会对宏观经济产生一定影响，导致（ ）。A.投资规模下降B.投资规模过大C.通货膨胀D.通货紧缩【答案】： AC 4、金融市场的基本要素包括（ ）。A.金融市场交易的参与者B.金融工具C.金融市场中介D.金融交易场所E.金融市场价格【答案】： ABC 5、银行会计中，根据其所提供信息的详细程度及其统驭关系，会计账户可以分为( )。A.二级账户B.明细分类账户C.总分类账户D.一级账户【答案】： BC 6、国内银行的（ ）存款种类只要不超过中国人民银行同期限档次的存款利率上限，计结息规则由各银行自己把握。A.活期存款B.定期整存整取C.通知存款D.协定存
41、款【答案】： CD 7、定活两便储蓄存款支取时，其会计分录为（）。A.借：活期储蓄存款定活两便现金贷：利息支出B.借：活期储蓄存款定活两便利息支出贷：现金C.借：现金贷：代扣利息所得税D.借：代扣利息所得税贷：现金【答案】： BC 8、基础货币有（）组成。A.货币乘数B.银行贷款C.存款准备金D.流通现金【答案】： CD 9、销售人员从事理财产品销售活动，应当遵循的原则包括（）。A.保证投资收益原则B.勤勉尽职原则C.公平对待投资者原则D.专业胜任原则E.诚实守信原则【答案】： BCD 10、以下各选项中，属于中央银行资产的包括（ ）。A.贴现及放款B.政府债券和财政借款C.外汇、黄金储备D.
42、国库及公共机构存款【答案】： ABC 11、为缓解中小企业融资难的问题，某地方政府积极向金融机构推荐业绩优、成长好的小企业，解决了金融机构向小企业贷款过程中的信息不对称问题，实现了银行与小企业的互利双赢。这说明政府（）。A.为企业筹集资金、参与经营管理B.进行经济调节和公共服务C.树立了求真务实的工作作风D.便民利民、执政为民【答案】： BC 12、收益曲线是指具有相同（ ）的金融资产的利率曲线。A.税率结构B.流动性C.期限D.信用风险E.市场风险【答案】： ABD 13、下列（ ）财产不可以抵押。A.土地所有权B.所有权不明或者有争议的财产C.依法被查封、扣押、监管的财产D.学校、幼儿园、
43、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施【答案】： ABCD 14、银行的收入是指在业务经营过程中取得的营业性收入，主要包括( )。A.金融机构往来收入B.利息收入C.手续费收入D.其他营业收入【答案】： ABCD 15、关于国际收支说，下列说法正确的有（ ）。A.认为外汇汇率决定于外汇的供求B.现代的届际收支理论是凯恩斯主义的汇率理论C.是关于汇率决定的存量理论D.认为影响国际收支的因素也将间接影响汇率【答案】： ABD 16、下列属于银行业从业人员从业基本准则的是（）。A.诚实信用B.守法合规C.专业胜任D.勤勉尽职【答案】： ABCD 17、中央银
44、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经济增长【答案】： ABC 18、以人为本是科学发展的本质和核心。以人为本中的“人”是指（）。A.具体的现实的人B.广大人民群众C.作为个体的人D.社会全体成员【答案】： ABD 19、复合会计分录就是（）的会计分录。A.多借多贷B.一借一贷C.一借多贷D.多借一贷【答案】： ACD 20、“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