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1、天津市天津市 20232023 年银行招聘之银行招聘综合知识题库附年银行招聘之银行招聘综合知识题库附答案（基础题）答案（基础题）单选题（共单选题（共 5050 题）题）1、Passengers should possess boarding pass，valid passport，visa，exit registration card，and immigration certificate _ byrelated department.A.issuedB.madeC.identifiedD.designed【答案】A2、为了确保计算机系统运行的安全，针对用户管理，下列做法不妥当的是（）。A.建
2、立用户身份识别与验证机制，防止非法用户进入应用系统B.用户权限的分配应遵循“最小特权”原则C.用户密码应严格保密，并定时更新D.为了防止重要密码丢失，把密码记录在纸质介质上【答案】D3、The fact that people can see themselves succeeding in work as theyalso_therapy and self-understanding is powerful。A.succeeded inB.succeeding inC.succeed inD.have succeeded in【答案】C4、资料：When we see well，we do
3、not think about our eyes very often.It is only when we cannot see perfectly that we realize how importantour eyes are.A.a difficulty that can be corrected by an operationB.eyes that are not exactly the right shapeC.an eye difficulty that cannot be corrected by glassesD.one eye bigger than the other【
4、答案】B5、Before starting to write effect analysis essay,oneshould_between cause and effect.A.disguiseB.distinguishC.diminishD.derive【答案】B6、资料：Zhang Qiaoli uses her spare bedroom for storing her stock ofladies fashion-wear and photo shoots.She is one of more than fivemillion small online stores operatin
5、g across China,some from smallapartments or even college dormitories.She buys dresses andaccessories wholesale;at prices under$5,using the website Taobao,she sells them on as the Kitty Lover at prices under$10.A.Because there are a lot more options onlineB.Because consumers are gaining more power th
6、anks to online shoppingC.Because regulations about online shopping will be improved soonD.Because there are still many qualified goods and trustworthy onlinestores【答案】B7、资料：Word of Mouth promotion is based on the principle of pullmarketing.A.word of Mouth promotion is based on the principle of pull
7、marketingB.it uses above the line promotional techniquesC.it gets consumers to bring other countries to the productD.it relies on the transimission of positive message【答案】B8、Passage 9A.learn to use different approaches in reading different textsB.make our reading process more consciousC.pay more att
8、ention to the content of a textD.take a critical attitude towards the authors ideas【答案】A9、Emai1 邮件本质是（）。A.一个文件B.一份传真C.一个电话D.一个网页【答案】A10、_your child will leave home to lead her own life as afully independent adult.A.EventuallyB.QuicklyC.UnanimouslyD.Uncertainly【答案】A11、The program becomes unable to se
9、rve its purpose for its presentaudience,let（）the future audience.A.offB.downC.outD.alone【答案】D12、资料：（二）A.the widows are pressured to lose their own namesB.the widows may be forced to leave their homesC.the widows have misunderstood the reverse mortgageD.the widows do not know what their long-desired
10、things are【答案】B13、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 find countries hurting from the lowoil price，currently around$40 a barrel.Growth is slowing andunemployment is rising.Policy make
11、rs even dare utter a three-letter“t”word until recently taboo：tax.A.Dubai used to heavily rely on oil revenueB.Gulf States used to be promisingC.The author criticizes GCCs conventional economic patternD.Oil price doesnt influence Dubais economy【答案】A14、We utilized_films,semi-formal interviews and par
12、ticipantobservation to explore the relationship between urban livelihoods andart creation.A.silentB.romanticC.documentaryD.document【答案】C15、We should think long term and take_measures.A.primitiveB.productiveC.permissiveD.proactive【答案】D16、Her speech was _,that is to say,we _ her speech.A.impressive;we
13、re impressing byB.impressed;were impressed atC.impressive;were impressed withD.impressing;were impressing at【答案】C17、Passage 4A.criticB.indifferentC.partialD.positive【答案】D18、资料：Global business travel topped$1.2 trillion and is expectedto reach$1.6 trillion by 2020,according to new research by theGlob
14、al Business Travel Association（GBTA）,an associationrepresenting the interests of corporate travel managers.Whats moreChina has now surpassed the U.S.as the largest business travelmarket in the world,ringing up$291 billion last year.A.Personalization is on the rise,together with sharing economyB.IT e
15、ra is finally coming for travelling industryC.Businessmen are becoming more and more generous on global businesstripD.Traditional travel agency is about to fade away【答案】A19、资料：Faces,like fingerprints,are unique.Did you ever wonderhow it possible for us to recognize people?Even a skilled writerprobab
16、ly could not describe all the features that make one facedifferent from another.Yet a very young child or even an animal,such as a pingeon can learm to recognize faces.We all take thisability for granted.A.his way of speaking and behavingB.his way of acting and thinkingC.his learming and behaviorD.h
17、is physical appearance and his personality【答案】D20、资料：Business,academic and civic leaders in Cambridge havewarned that one of Britains major economic growth cities is underthreat unless the government acts quickly to restore trust post-Brexit.A.The immediate action of the British governmentB.continua
18、tion of free labor movements from EU countriesC.An increase in the foreign talents wagesD.New policies that protects foreign talents rights【答案】C21、2008 年全球金融危机爆发以来，世界主要国家央行开始采取特殊货币政策，美国在利率水平已经接近纪录最低时，推出了一系列非常规货币政策，包括为了支持银行贷款的长期流动性供给，为压低长期利率的资产购买计划等，除美国以外，美国、日本和欧洲银行也采取了非常规货币政策。IMF 于 2013 年5 月 16 日发布了
19、非常规货币政策：最近经验与前景报告，报告称发达国家的非常规货币政策在很大程度上帮助实现了该国政策目标，诸如持续两年左右的购买国债计划帮助美国和英国的 GDP 增速提升了约 2 个百分点，然而，发达国家的这些政策对世界其他国家也造成了很大的影响，大量资本流入拉丁美洲和亚洲，导致新兴市场的汇率过度升值和波动。A.销售存货收到现金B.用资本公积转增股本C.用现金购买原材料D.用银行存款归还银行借款【答案】D22、资料：It seems simple enough.Take all the line-forming andpaper-filling busy work of the governmen
20、t,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.Goodbye 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
21、.To show that physical stations are not functioning wellD.To show that the e-government will replace physical stations【答案】A23、资料：A man looking for art for his new home has won a$1 millionPicasso painting with a$138 raffle ticket.Jeffrey Gonano told thePittsburgh Tribune-Review hes not sure hell ever
22、 hang themasterpiece in his home in Wexford,in western Pennsylvania,givenits value.The 25-year-old Gonano,who works for his familys firesprinkler business,learned Wednesday that his ticket had won theParis raffle.Organizers say nearly 50,000 tickets were soldworldwide,for 100 euros apiece,to benefit
23、 a Lebanese charity.A.The Buddhist painting in insignificantB.The Picasso painting is extremely preciousC.She dislikes the Picasso PaintingD.She will explore more art galleries by herself【答案】B24、在 Word 2003 中，要选择一段文字，从文字开头处单击鼠标，再在这段文字的结尾处按（）键，同时按鼠标。A.CtrlB.ShiftC.AItD.De1【答案】B25、资料：Stress is a commo
24、n factor in life.Children experiencestress from school,new social situations and simply growing up.Adults feel the stress of working,paying bills,raising kids andmaintaining households.Seniors also feel stress,even though somemay have retired,raised their children and paid off their homes.Certain am
25、ounts of stress are a part of life for people of all ages.A.AffectB.ImproveC.IntensifyD.Worsen【答案】D26、对高、中、低层管理人员的技能要求是有所区别的，按三种技能在其技能组成中的比重从大到小排列，对低层管理人员的技能要求应该是（）。A.技术技能、人际技能、概念技能B.人际技能、概念技能、技术技能C.概念技能、人际技能、技术技能D.概念技能、技术技能、人际技能【答案】A27、出票人在票据正面注明“不得转让”字样的，票据不得转让，其后手再背书转让的，（）。A.出票人对其直接后手的被背书人承担保证责任B
26、.出票人对其直接后手的被背书人不承担保证责任C.出票人对其最后的后手的被背书人不承担保证责任D.出票人对其最后的后手的被背书人承担保证责任【答案】B28、商业银行等金融机构之间的债权债务须通过其在中央银行的存款账户进行清算，其账 户是（）。A.临时存款账户B.存款準备金账户C.专用存款账户D.特殊存款账户【答案】B29、The mobility of cell phones means you can be anywhere and havethe_or should I say the convenience,of a phone.A.mustB.accompanimentC.conclus
27、ionD.necessity【答案】D30、任何热机的效率都不可能达到 100%，是在热力学第（）定律表现出来的。A.一B.二C.三D.四【答案】B31、掠夺交易是指以强制手段为基础、一方强迫另一力的利益转移（包括其承载物的转移）。下列不属于掠夺交易的是（）。A.甲有一幅非常珍贵的古名画，乙知道后千方再计想得到，就请甲的领导出面，用一幅现代名画将乙的那幅画换到手B.张某摆了一个杂货摊点，一天，有一人来买塑料面盆，她拿出一元钱塞给张说：“我知道你卖三元一只，我们是邻居，就一元卖给我吧。”说完就拿走了面盆C.小李家正搞装潢，谁知预算失误，少买了几平米某名牌木地板，急需补上，经销商谎称木地板涨价，必
28、须加价，最终小李以三倍的价格买回所需地板D.小王和小章是两位集邮爱好者，他们常常交换邮品，虽然有时用以交换的邮品价格悬殊，但双方都非常乐意，毫无怨言【答案】D32、Recently,Xiangning started to communicate with Mike,the contactperson of Monsell.A.ofB.toC.forD.In【答案】B33、God by definition is supernatural and cannot,in principle,be_by science which deals exclusively with the natural
29、 world.A.investigatedB.respondedC.suspectedD.stated【答案】C34、Care providers also need to help patients to manage theirfeelings of uncertainty and_them of the benefits of modernmedicine and technology which can substantially aid in healthimprovement。A.assureB.insureC.sureD.ensure【答案】A35、某商场在暑期推出“羽绒服反季大
30、甩卖”活动，此种促销方式为（）。A.竞赛促销B.无偿促销C.折价促销D.惠赠促销【答案】C36、资料：To：Sherry LintonA.A memoB.A minutesC.An announcementD.A notice【答案】D37、He was looking _ at the visiting salesman,who showed no signsof getting ready to leave.A.impatientlyB.impatienceC.patienceD.patient【答案】A38、Passage 5A.brought about a rapid growth
31、of industry and farming in the westB.attracted many visitors to the construction sitesC.attracted laborers from EuropeD.encouraged people to travel all over the country【答案】A39、资料：Bank CD is the instrument uniformly figuring in theinvestment options of most investors.Bank of India CDs are safe,FDIC i
32、nsured&offer decent returns.There is no brokerage,no feesor hidden costs.However,the Bank may impose a fee foradministrative expenses involved in any legal action in connectionwith the CD.Look at our Star CD plan below.A.CD is automatically renewed for the same period unless having otherinstructionB
33、.CD isnt automatically renewed for the same period at the rulingrate of interest on the date of renewalC.CD is automatically renewed for the same period without any otherinstructionD.CD is automatically renewed for the same period with permission ofthe bank manager【答案】C40、_ that the pilot couldnt fl
34、y through it.A.The storm so severe wasB.So severe was the stormC.So the storm was severeD.Such was the storm severe【答案】B41、资料：之后，经济学家 Mr.X 展望了中欧之间的商业机遇，请根据下列资料回答问题。A.Foreign entrepreneursB.Job seekersC.Fresh graduateD.Company employees【答案】A42、资料：People differ greatly in their readiness to try newpro
35、ducts.In each product area，there are“consumption pioneers”andearly adopters.Other individuals adopt new products much later.After a slow start，an increasing number of people adopt the newproduct.A.Early adoptersB.InnovatorsC.The early majorityD.All above【答案】D43、If you want children to work hard,you
36、must（）their interestsmore.A.look up toB.look intoC.give rise toD.go in for【答案】B44、It provides that no state may“_any person of life,liberty or property,without due process of law.”A.depriveB.deriveC.dispatchD.discharge【答案】A45、“十三五”期间，我国森林覆盖率提高到 23.04%，森林蓄积量超过 175 亿立方米，连续（）保持“双增长”，成为森林资源增长最多的国家。A.20
37、年B.30 年C.15 年D.25 年【答案】B46、_to the Olympics opening ceremony is considered as Dylansgreatest honor by far.A.Being invitedB.Be invitedC.InvitingD.Invited【答案】A47、Passage 2A.Customers are forced to share their bank dataB.Banks are required to open up their entire operational systemC.Regulators should b
38、e both tough and flexibleD.Banks and third parties should be regulated with a light touch【答案】C48、下列选项中，不属于阶级社会中关于法律与道德的共同点的是（）。A.都是社会规范B.都具有阶级性C.约束范围都相同D.都是治国途径【答案】C49、How quickly they accomplish this transfer depends not only on howsoon the ants agree on the best available site but also on howquick
39、ly they can _there.A.stayB.migrateC.chooseD.prefer【答案】B50、太阳系的构成部分没有（）。A.太阳B.小行星C.卫星D.银河【答案】D多选题（共多选题（共 2020 题）题）1、现有按年收益率 10%，每年付息一次的 100 元债券，期限 5 年。根据上述材料，回答下列问题：A.当市场利率上升时，债券交易价格下跌B.当市场利率上升时，债券交易价格上涨C.当市场利率下跌时,债券交易价格上涨D.当市场利率下降时，债券交易价格下跌【答案】AC2、我国商业银行附属资本包括（）。A.各项损失准备B.实收资本C.未分配利润D.长期次级债务【答案】AD3、
40、结账的程序包括（）。A.将本期内发生的经济业务全部记入有关账簿B.将本期内所有的转账业务，编制记账凭证记入有关账簿，以调整账簿记录C.将损益类科目转入“本年利润”科目，结平所有损益类科目D.结算出日记账、总账、明细账的本期发生额和期末余额【答案】ABCD4、行政复议撤销决定的适用情形有（）。A.超越职权B.滥用职权C.适用法律错误D.具体行政行为明显不当【答案】ABCD5、某商业银行 2018 年有如下一些工作计划，属于资产业务是（）。A.响应国家号召，发放小微企业贷款 50 亿元B.A 股市场增发 10 亿规模股票C.办理企业未到期的票据贴现 6000 万元D.代销某保险公司保险产品 1 亿
41、【答案】AC6、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】ABC7、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005 年 7月 21 日，人民币 汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理 的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格 局，呈现稳中有升的态势。A.经济发展程度B.经济规模C.进出口贸易的商品结构和地域分布D.相对的通货膨胀率【答案】ABCD8、国共第一次合作时，孙中山改组国民党，实行的三大政策分别是（）。A.联俄B.联共C.富农D.扶助农工
42、【答案】ABD9、关于有限理性模型内容的说法，正确的有（）。A.决策者可以知道所有的可能方案B.决策者可以通过计算选出最佳的方案C.决策者的目标是找到令人满意的结果D.存在完整和一致的偏好系统，使决策者在备选方案中进行选择E.决策者认知的是真实世界的简化模型【答案】C10、信用社的所有者权益包括（）。A.投资者对信用社的投入资本B.资本公积金C.盈余公积金D.未分配利润【答案】ABCD11、在日常工作和生活中，银行从业人员应当恪守有关内幕信息和内幕交易的禁止性规定，做到（）。A.不在不当时间和地点谈论工作话题B.不以明示或暗示的方式向不应该知道该项信息的内部人员提及内幕信息C.不违反有关规定，
43、将内幕信息以明示或暗示的方式告知自己的亲友D.按照内部秘密信息保管规定妥善保管涉及内幕信息的文件或电子文档【答案】ABCD12、以下属于中国金融监管的对象有（）。A.国有商业银行B.农村信用合作社C.信托投资机构D.无组织的民间信用活动【答案】ABCD13、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】ABD14、关于会计报表附注的使用者，下列说法正确的有（）。A.不仅要求披露定量信息，还要求更多地披露定性信息B.不仅要求披露确定的信息，还要求更多地披露不确定的信息C.不仅要求披露历史信息，还要求适度地披露未来信息D.会计信息能完全
44、体现在会计报表中【答案】ABC15、2009 年 4 月 8 日，国务院召开常务会议，决定在上海和（）等城市开展跨境贸易人民币结算试点。A.广州B.深圳C.珠海D.东莞【答案】ABCD16、每股收益=净利润普通股平均股数，假设市盈率不变、净利润不变，下列说法正确的有（）。A.发放股票股利会降低每股市价B.进行股票回购会提高每股市价C.发放股票殷利会降低每股收益D.进行股票回购会降低每股收益【答案】ABC17、信用社的所有者权益包括（）。A.投资者对信用社的投入资本B.资本公积金C.盈余公积金D.未分配利润【答案】ABCD18、下列描述中，属于 SWOT 分析中的机会的有（）。A.该国政府与多国
45、签订了往来贸易税收优惠协议B.企业具有优越的地理位置C.所处市场趋于饱和D.政府取消了原有的限制性条件【答案】AD19、个人存款账户实名制规定所称个人存款账户包括（）。A.活期存款账户B.定期存款账户C.定活两便存款账户D.通知存款账户【答案】ABCD20、商业银行经营管理过程必须严格遵循（）原则。A.安全性B.流动性C.保值性D.盈利性【答案】ABD大题（共大题（共 1010 题）题）一、请仔细阅读以下材料：在“建设资源节约型、环境友好型社会”的专题学习中，某中学 5 名同学围绕“废旧电池回收和处理的现状与对策”课题。组成探究小组。他们利用课余时间，通过问卷、走访、查阅文献、上网等方法对废旧
46、电池回收和处理现状进行了调查。同学们发现：第一，废旧电池会污染环境，1 节一号电池烂在地里，会使 1 平方米的土壤永久污染；1 粒纽扣电池可使600 吨水无法饮用，相当于 1 个人一生的饮水量。第二，中国每年消耗电池 70多亿只。中学生使用随身听、复读机、电子词典等，是电池消耗大户，人均年消耗电池 50 节以上。同学们了解到，第一，目前废旧电池回收率不到 2。有近八成的人认为废旧电池回收活动“与自己无关”或“没时间参加”，有 87的人将废旧电池与生活垃圾一起丢弃。第二，目前收集来的废旧电池主要由环保部门集中填埋，但填埋并不能彻底控制废旧电池的污染。同学们还了解到，提取废旧电池中的有用材料加以再
47、利用，不仅符合我国节约资源和保护环境的基本国策，而且有可观的经济效益。据估算，处理 10 万只废旧电池，可获利 2万元左右。但企业对处理废旧电池没有积极性。因为，进 13 处理废 113 电池的机器价格昂贵。并且，一台机器每日可处理几吨废旧电池，本地的废旧电池不够它“吃”几天，导致生产能力闲置，亏本运营。假如你现在加入该探究小组，请继续探究以下问题：运用经济常识，就废旧电池的回收和处理问题，向政府有关部门提出建议。【答案】(1)从实施可持续发展战略的高度，重视废旧电池的回收、处理和再利用。(2)运用财政、金融和税收等经济手段，引导有关企业和消费者的行为，搞好废旧电池的回收、处理和再利用。(3)
48、制定并严格执行有关法规，规范废旧电池的回收和处理。(4)运用行政手段，加强管理和监督。二、请将下面错误的地方改正过来。关于你校设立新材料研究中心的请示克格县职业学校：你校克格职发20039 号克格县职业学校关于设立新材料研究中心的请示以及克职发200315 号文收悉，经研究讨论，兹批复如下：(一)不同意在你校设立新材料研究中心，其理由恕不详述。(二)目前可在你校先行设立新材料研究室。(三)拟原则同意在你校修建新材料检测实验楼，有关具体事宜待专门批复。专此函复。【答案】(1)标题应居中。(2)标题内容叙述不清。(3)标题使用了没有检索价值的代称“你校”字样。(4)发文字号书写不正确，应为职发20
49、039 号，职发20035 号。(5)文稿在引述对方来文时不规范。(6)一文数事。(7)没有回答对方的全部问题。(8)“拟原则同意”语意含混，“经研究讨论”中“讨论”二字多余，“专此函复”不能用做本文的结语。(9)漏掉成文日期二 0年月日。三、关于你校设立新材料研究中心的请示克格县职业学校：你校克格职发20039 号克格县职业学校关于设立新材料研究中心的请示以及克职发：200315 号文收悉，经研究讨论，兹批复如下：(一)不同意在你校设立新材料研究中心，其理由恕不详述。(二)目前可在你校先行设立新材料研究室。(三)拟原则同意在你校修建材料检测实验楼，有关具体事宜待专门批复。专此函复。克格县教育
50、局二零年月日【答案】(1)标题应居中。(2)标题内容叙述不清。(3)标题使用了没有检索价值的代称“你校”字样。(4)发文字号书写不正确，应为职发20039 号，职发200315 号。(5)文稿在引述对方来文时不规范。(6)一文数事。(7)没有回答对方的全部问题。(8)“拟原则同意”语意含混，“经研究讨论”中“讨论”二字多余，“专此函复”不能用做本文的结语。(9)成文日期书写不正确，应为二0年月日。四、甲公司持有一张由乙公司出票、经丙公司背书转让获得的银行承兑汇票。在该汇票到期后，甲公司向承兑银行提示付款时遭到拒绝，承兑银行拒付的理由是：该汇票上银行的签章是伪造的，该银行并未承兑过这张汇票。甲公