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1、2022年最新银行招聘之银行招聘综合知识题库包过题库【全优】第一部分 单选题(50题)1、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 important our eyes are.A.feel painB.imagineC.are affected withD.experience【答案】： A 2、某人是“80”后，今年他的年验不超过40，且年龄比出生年份各数字和还要大16，则他的出生年份不可
2、能是（）。A.1985B.1980C.1987D.1982【答案】： C 3、在总线拓扑的网络中，每次可传输信号的设备数目为（）。A.2个B.3个C.1个D.任意个【答案】： C 4、运用（）进行管理的实质，是以满足人们基本的社会心理上的需要，达到调动人们的工作积极性、促进社会主义现代化事业的发展为目的的。A.行政方法B.经济方法C.社会心理方法D.数学方法【答案】： C 5、After the exploration the army got the building（）and the（）area was also cut off from the outside.A.surrounded；
3、surroundedB.surrounding；surroundedC.surrounding；surroundingD.surrounded；surrounding【答案】： D 6、资料：Native ads - or ads that take on the look and feel of the content surrounding them - are taking over digital advertising.A.An overall native forecastB.Ad frequency and scalability issuesC.The forecasts fo
4、r how revenues from these formats will grow over the next five yearsD.The illustrations of what factors are driving up spending on each of these ad units【答案】： A 7、对同一借款客户的贷款佘额与商业银行资本余额的比例不得超过（ ）。A.5%B.8%C.10%D.15%【答案】： C 8、资料：Seeking to end a stalemate in negotiations over her countrys withdrawal fr
5、om 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.A.The rights of EUs citizens will be protected in Britain after the divorceB.Britain would be willing to continue to fu
6、lfill the commitment they have made during the period of membershipC.A good trade relation between Britain and the EU is in line with the interests of both sidesD.Britain will provide 20 billion euros to EU during the transition period【答案】： D 9、以下属于中国银行业协会的会员单位的是（ ）。 A.中国邮政储蓄银行B.证券公司C.金融控股公司D.财产保险公司
7、【答案】： A 10、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】： A 11、根据公司法的规定，有限责任公司首次股东大会会议由（）召集和主持。A.出资最多的股东B.全体股东一致认可的股东C.公司董事会D.公司监事会【答案】： A 12、资料：In the business environment nearly all individuals within an organization will belong to one or more groups or teams.A.express clearly the common goal of the tea
8、mB.allow the team leader to make final decisions after discussionsC.create a team randomlyD.monitor the progress of the team【答案】： C 13、债券的发行价格与市场利率、债券收益率有直接的关系，若市场利率低于债券收益率时。债券为（）发行。A.溢价B.折价C.平价D.时价【答案】： A 14、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving
9、cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.A.At almost unprecedented moment in history, we should reach our potential to decide whether to take the right pathB.At almost unprecedented moment in history we should re
10、ach our potential to decide whether to take decisive actionC.At almost unprecedented moment history,we should reach our potential to choose the right answers to all the problems encountered by usD.At almost unprecedented moment in history we should our potential to realize the advent of the era of s
11、elf-driving cars【答案】： D 15、In the past men generally preferred that their wives（ ）in the house。A.workedB.would workC.workD.were working【答案】： C 16、资料：（一）A.a form of gamblingB.a way of making money quicklyC.useful and necessaryD.old-fashioned【答案】： C 17、资料：Faces, like fingerprints, are unique. Did you
12、ever wonder how it possible for us to recognize people? Even a skilled writer probably could not describe all the features that make one face different from another. Yet a very young child or even an animal, such as a pingeon can learm to recognize faces. We all take this ability for granted.A.psych
13、ologistB.behavioristC.writerD.sociologist【答案】： A 18、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 la
14、sting growth and shared 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 19、In addition to bending back and forth and swaying sideways, b
15、uildings can_, and these various motions can reinforce one another.A.imagineB.conceiveC.describeD.twist【答案】： D 20、The（）behind the yellow tape is prohibited to anyone without a press pass.A.positingB.sceneryC.exteriorD.area【答案】： D 21、You would imagine that sleeping was a quiet and peaceful experience
16、 but in reality，our brains are more active during some stages of sleep than when we are_。A.wakeB.awakeC.wakenD.awaken【答案】： B 22、资料：It is September of 1998, Im sitting in a windowless office room inside the Office of the Independent Counsel underneath humming fluorescent lights. Im listening to the s
17、ound of my voice on surreptitiously taped phone calls that a supposed friend had made the year before. For the past eight months, the mysterious content of these tapes has hung like the Sword of Damocles over my head. A few days later, the Star Report is released to Congress, and all of those tapes
18、and transcripts, those stolen words, form a part of it. That people can read the transcripts is horrific enough, but a few weeks later, the audio tapes are aired on TV, and significant portions made available online. The pubic humiliation was excruciating. (1)A.The environment in which the technolog
19、y enhances shamingB.The humiliation that is more intensely felt than it should beC.The price we have to pay as the victims of mistakesD.The impact of peoples suicide on families and the society【答案】： A 23、Our price is _ as compared with that in the international market.A.reasonableB.accountableC.perf
20、ectD.affordable【答案】： A 24、基准利率作为其他利率水平或金融资产价格确定的基础，在我国，基准利率是（）。A.同业拆借利率B.公定利率C.存贷款利率D.市场利率【答案】： C 25、资料：According to our research, Best Buy in China was perceived as being too expensive, with many of their products priced higher than in local markets. Why buy a Sony DVD player or Nokia phone at Best
21、 Buy when you can pay less for the exact same product at a local store？Consumers will only be willing to pay more, like at the Apple stores, if they are buying something they cannot get elsewhere.A.Shopping at neighborhood stores are more of Chinese consumers shopping habitB.Large flagship stores ar
22、e unpopular in ChinaC.Americans do not like small, conveniently located retail outletsD.government ban on free shopping bags has dampened Chinese buyers enthusiasm【答案】： A 26、2019年1月21日电，国家统计局21日对外公布，经初步核算，2018年全年我国国内生产总值（GDP）为900309亿元，经济总量首次站上（）的历史新台阶，稳居世界第二位。A.80万亿元B.90万亿元C.100万亿元D.110万亿元【答案】： B 27
23、、资料：Good listening is much more than being silent while the other person talks. To the contrary, people perceive the best listeners to be those who periodically ask questions that promote discovery and insight. These questions gently challenge old assumptions, but do so in a constructive way. Sittin
24、g there silently nodding does not provide sure evidence that a person is listening, but asking a good question tells the speaker the listener has not only heard what was said, but that they comprehended it well enough to want additional information. Good listening was consistently seen as a two-way
25、dialog, rather than a one-way “speaker versus hearer” interaction. The best conversations were active.A.Those who periodically ask questions want to take charge of the conversationB.If you give critical opinions, the speaker will be less confidentC.Good listeners should agree with the speakerD.If th
26、e speaker creates a comfortable environment, listeners will become confident【答案】： B 28、Try to make your report as_as possible: only give us the facts, and not your opinions.A.subjectiveB.objectionableC.subjectedD.objective【答案】： D 29、The words used by the speaker may stir up unfavorable reactions in
27、the listener _ interfere with his comprehension.A.whoB.asC.whichD.what【答案】： C 30、关于我国的军衔制度，下列说法正确的是（)。A.士兵军衔肩章版面底色有棕绿色、天蓝色、黑色三种B.军官军衔一般分帅、将、校、尉、士五个等级C.刘伯承、陈毅、粟裕等人曾被授予元帅军衔D.中国人民解放军第一次实行军衔制度是在1949年【答案】： A 31、 期末根据账簿记录计算并记录出各账户的本甥发生额和期末余额在会计上叫（ ）。A.对账B.结账C.调账D.查账【答案】： B 32、Lets face it.Gardening fanati
28、cs like nothing better than to have their hands stuck in the soil or to be trimming,pruning,or harvesting the fruits of their labors.But for once,here is an obsession which benefits the whole community by beautifying the environment and producing cooler,more fragrant,and cleaner air.To recognize tha
29、t fact,the Tampa City Council has decided to award generous prizes to the most beautiful displays this spring.A.The condition of the flowersB.The arrangement of the gardenC.The appearance oil the gardenD.The scent of the flowers【答案】： D 33、下列指标中不属于银行管理结构指标的为（）。A.资产结构B.贷款结构C.客户结构D.人员结构【答案】： D 34、在编辑Wo
30、rd文档时，选定一段文字后，把鼠标指针置于选定文本的任意位置，按Ctr1键并按鼠标左键不放，拖到另一位置上才放开鼠标。那么，刚才的操作是（）。A.移动文本B.复制文本C.替换文本D.删除文本【答案】： B 35、资料：Rahul Chadha, co-chief investment officer for Hong Kong-based Mirae Asset Global Investments, has a few charts he is particularly fond of when it comes to telling a story about investing in C
31、hina.A.IndiaB.ChinaC.UKD.US【答案】： C 36、 同业往来科目属于( )科目。A.资产负债共同类B.资产类C.负债类D.损益类【答案】： A 37、在LM曲线的凯恩斯区域，（）。A.货币政策有效B.财政政策有效C.财政政策无效D.财政政策和货币政策同样无效【答案】： B 38、在短期内，垄断厂商无法改变固定要素投入量，而是通过在既定的生产规模下通过对产量和价格的调整，来实现（）的利润最大化。A.边际利润等于长期边际成本B.边际利润等于长期平均成本C.边际利润等于短期边际成本D.边际利润等于短期平均成本【答案】： C 39、不列入存货的是（）。A.生产设备B.库存商品
32、C.原材料D.低值易耗品【答案】： A 40、It is important to know what colors look good（）your skin before you buy clothes.A.forB.uponC.againstD.with【答案】： C 41、The orphanage is just one of her _ causes.A.phoneticB.philanthropicC.prevalentD.lunatic【答案】： B 42、The（）tough training given by our company creates strong and ab
33、le sales representatives who perform well above others in the same field.A.indifferentlyB.presumableC.completelyD.unbearably【答案】： D 43、Passage 4A.criticB.indifferentC.partialD.positive【答案】： D 44、Similarly, he told couples to seek marital counseling_if theyre having trouble communicating.A.on the bri
34、nkB.on the vergeC.in particularD.ahead of time【答案】： C 45、Artists at the Zadone Gallery are able to create reproductions of famous paintings that are _ authentic looking.A.remarkB.remarkablenessC.remarkableD.remarkably【答案】： D 46、 会计报表披露的信息是（）。A.有关过去的交易和事项及其结果的财务信息B.现在的交易和事项及其结果的财务信息C.关于未来活动的财务信息和非财务信
35、息D.任何时候的财务信息【答案】： A 47、一项调查数据显示：有73.25%的大学教师投入时间和精力最多的项是教学；63.29%的教师常在工作一整天后，感到筋疲力尽；46.50%的教师对于某些学生，常有“孺子不可教也”之感。只有37.7%的学生每周会将16小时以上课外时间用在学习上；接近50%的学生认为课程不能激励其学习；79.4%的学生很少在课外与教师讨论课程内容。A.大学教师的教学工作繁重而又疲惫B.大学教师的职业专业化程度不高C.大学教师和学生的教、学体验都很差D.大学生与教师之间缺少学术性的沟通【答案】： C 48、Passage 1A.It can accurately pinpo
36、int a countrys current economic problemsB.It can help to raise peoples awareness of their economic well-beingC.It can diagnose the causes of a countrys slowing pace of economic improvementD.It can compare a countrys economic conditions between different periods of time【答案】： D 49、资料：Italys next gover
37、nment, a coalition between the populistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive 250bn（$292bn） of Italian debt. But less atten
38、tion has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over 185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）A.Bad loans remain a concern in Italy and across southern Eur
39、opeB.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】： B 50、晚于欧洲文艺复兴运动的历史大事是（）。A.成吉思汗统一蒙古B.哥白尼提出日心说C.英国工业革命D.毕昇发明活字印刷术【答案】： C 第二部分 多选题(50题)1、储蓄机构设置必须具备的条件包括（）。A.
40、有必要的安全防范措施B.熟悉储蓄业务的工作人员不少于四人C.有机构名称、组织机构和营业场所D.营业场所应处于闹市区，交通必须便利【答案】： ABC 2、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】： ABCD 3、办理储蓄业务，应当遵循（ ）的原则。A.存款自愿B.取款自由C.存款有息D.为存款人保密【答案】： ABCD 4、 以下权利属于形成权的有（）。A.张某以甲公司的名义与乙公司签订了货物销售合同，但是张某没有代理权，乙公司享有的撤销合同的权利B.王某将一幅字画寄存在陈某处，陈某将字画
41、卖给杨某.王某认可陈某的行为有效的权利C.陈某通过欺诈手段使张某与自己签订了房屋转让合同.张某的解除合同的权利D.张某欠王某1 000元未还，王某欠张某的1 000元债务也已到期，王某主张用自己的l 000元债权抵销张某对自己的1000元债权的权利【答案】： ABD 5、贷款经营中选择客户时要了解客户自身及项目情况通常要完成的步骤包括().A.审查申请材料B.贷款面谈C.信用调查D.财务分析E.成本核算【答案】： BCD 6、 下列物权中属于担保物权的有（）。A.典权B.抵押权C.留置权D.地役权【答案】： BC 7、下列选项中，属于地方固定收人的是（ ）。A.中央企业所得税B.非银行金融企业
42、所得税C.房产税D.契税【答案】： CD 8、企业发生下列各项费用中，应在管理费用中列支的有（ ）。A.短期借款利息B.职工教育经费C.坏账损失D.低值易耗品摊销【答案】： BD 9、美国次贷危机引发的金融危机迅速在全球蔓延。在危机面前，人们应该积极主动应对，化“危”为“机”。下列名言中符合意识能动性原理的是（）。A.信心比黄金和货币更重要B.我们唯一恐惧的就是恐惧本身C.问题与解决问题的方法是同时产生的D.事不必难，知难不难【答案】： ABD 10、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】： ABC 1
43、1、居民消费水平主要通过消费的物质产品和劳务的数量和质量来反映。其中平均消费量的价值指标包括（）。A.平均每人生活消费额B.平均每人消费基金C.平均每百户耐用消费品拥有量D.平均每人用于各项生活消费的支出【答案】： ABD 12、办理收文是指（）。A.把收文立卷归档B.把收文予以执行办理C.撰文对收文进行答复、批转或转发D.在公文传送单上签字【答案】： ABCD 13、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】： ACD 14
44、、银行日常出纳业务使用的印章包括（）。A.个人名章B.公章C.现金收讫章D.现金付讫章【答案】： ACD 15、派生存款的大小与下列因素的关系正确的是（ ）。A.同原始存款的数量成反比B.同原始存款的数量成正比C.同法定准备金率成反比D.同法定准备金率成正比【答案】： BC 16、个人存款证明书（）。A.不能流通B.可以挂失C.可用于质押D.不能代替存单(折、卡)作为存款、续存的凭证【答案】： AD 17、各银行营业机构在业务上尤其应当做到“三公开”，“三公开”是指（）。A.公开业务处理的手续B.公开银行经办业务的种类C.公开业务规范D.公开金融政策纪律【答案】： ABD 18、中央银行对金融机构的信用进行直接控制时通常采用下列手段（）。A.信用配额B.规定商业银行的流动性比率C.直接干预D.规定存贷款利率上下限E.窗