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1、山东省山东省 20232023 年银行招聘之银行招聘综合知识精选附年银行招聘之银行招聘综合知识精选附答案答案单选题（共单选题（共 5050 题）题）1、（）is no reason for discharging her.A.cause she was a few minutes lateB.Owing to a few minutes being lateC.The fact that she was a few minutes lateD.Being a few minutes late【答案】C2、Angus Wienhoits seminar provides a _ approach
2、 to starting abusiness using resources that are widely available.A.sizableB.practicalC.varietyD.constant【答案】B3、Henry found it difficult to get his British jokes（）toChinese audience.A.acrossB.dealC.overD.down【答案】A4、The size of the audience,_ we had expected,was well overone thousand.A.whomB.asC.whoD.
3、that【答案】B5、Upon completing his examination _ the patient,the docteroffered his judgment of her condition.A.ofB.offC.aboutD.around【答案】A6、资料：Taikong City was founded by the dormuns about 50 AD.Its nameis derived from a Cethic worldwhich means the piece of the boldone.After they invaded Bliton in 43 AD
4、 the Dormons built a bridgeacross the Themas River.They later decided it was an excellent placeto built a port.The water was deep enough for ocean going ships butit was far enough inland to be safe from other raiders.Around 50 ADDormons merchants built a town by the bridge.So Taikong City was born.A
5、.The history of Taikong CityB.The stone wall was around Taikong CityC.The origination of Taikong City,s nameD.rebellion against the Dormans【答案】A7、We need to involve at least 20 people on this project,_itcant go ahead.A.howeverB.even ifC.due toD.otherwise【答案】D8、资料：Even as rich countries seek to rid w
6、orkplaces of subtlegender bias,in many developing ones discrimination remains overt.According to the World Bank,women are barred from certain jobs in104 countries.（1）A.In blanket industry,the work restrictions on women have becomevery strictB.Restrictions on women in blanket industry have taken off
7、in somecountriesC.In order to protect womens rights,work restrictions should bebannedD.Work restrictions that claim to protect all women are no longerpopular【答案】C9、Will you please tell me _ right now?A.what time beB.what time is itC.what is the timeD.what time it is【答案】D10、将八进制数 165 转换成十进制数是（）。A.165
8、B.119C.117D.159【答案】C11、资料：Actually,any sale is a gift until you get paid.Butexporters are especially concerned,since their buyers might be10,000 miles away！A.Descriptive CompositionB.Expositive CompositionC.Narrative CompositionD.Argumentative Composition【答案】B12、未经正式公布的法律是（）。A.有效的B.无效的C.部分有效的D.以上答案都
9、不对【答案】B13、资料：Zhang Qiaoli uses her spare bedroom for storing her stockof ladies fashion-wear and photo shoots.She is one of more thanfive million small online stores operating across China,some fromsmall apartments or even college dormitories.She buys dresses andaccessories wholesale;at prices under
10、$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 number ofthemC.She purchases goods at wholesale and sell them online at higherpricesD.She makes profits by sell
11、ing dresses and accessories at retailstores【答案】C14、俗话说“酒香不怕巷子深”，从营销的角度看，这种观念（）。A.认为努力满足客户的需求就能赢得市场B.认为盈利的根基在于把握正确的推销方式C.认为应依赖口碑来推销产品D.认为提升产品的质量是最重要的【答案】D15、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。A.whatB.whenC.whichD.that【答案】D16、资料：2014 has been a landmark year for Alibaba.Just last week,the Chinese e-
12、commerce juggernaut set a world-record selling US$9.3Billion worth of goods in 24 hours on Singles Day.A few months back,Alibaba claimed the title of the worlds biggest IPO,raising US$25Billion on the NYSE.Things will only get bigger for Alibaba.A.Alibabas new business strategyB.Alibabas Alipay and
13、Taobao marketplace expand into AustraliaC.Alibabas acquisition of Australian local companiesD.The introduction of Alibaba【答案】B17、Passage 3A.adaptationB.applicationC.motivationD.competition【答案】A18、Recent decades have witnessed increased globalization of theworld economy associated with economic and f
14、inancial_amongcountries。A.integrationB.corporationC.harmonyD.conflict【答案】A19、在商业银行经营管理原则中，流动性、安全性与盈利性成（）关系。A.反比B.正比C.对比D.一致【答案】A20、Today，Chinas massive industrialization and_for cars havemade it dependent on oil imported from the Middle East and Africa.A.nostalgiaB.substitutionC.maniaD.anecdote【答案】C
15、21、Renewable electricity generation is now on par with _ ofnatural gas,which remained relatively stable in last years.A.the oneB.whichC.thatD.what【答案】C22、下列关于经济资本和监管资本的说法中，错误的是（）。A.账面资本是银行资本金的静态反映，反映了银行实际拥有的资本水平B.经济资本在数额上与非预期损失相等C.监管资本是监管当局规定的银行必须持有的与其业务总体风险水平相匹配的资本D.监管资本是一种虚拟的、与银行风险的非预期损失额相等的资本【答案】
16、D23、_ some mistakes,I failed to get the promotion.A.BecauseB.Owing toC.For the sake ofD.Thanks to【答案】B24、近年来，我国取得了举世瞩目的成就。下列被称作中国的：“新四大发明”的是：（）。A.蛟龙天眼墨子人工智能B.天官支付宝网购共享单车C.高铁网购移动支付共享单车D.大飞机高铁悟空移动支付【答案】C25、Have you ever paid your kid for good grades？Have you driven toschool to_a forgotten assignment？H
17、ave you done a collegestudents laundry？A.drop offB.make upC.take overD.fill in【答案】B26、资料：Britain is facing a“crisis of fatherlessness”in whichalmost half of all children born today will not be living with bothparents by the time they are 15,the new chief executive of thethinktank founded by Iain Dun
18、can Smith has warned.A.result in the rapid increase of family breakdownB.undermine the relationship between father and childC.affect self-esteem of kids from the poorest familyD.transmit the traditional role of fathers in the family【答案】B27、关于股票和公司债券的公开行为，以下说法正确的是（）。A.股票发行实行核准制，公司债券实行审批制B.股票和公司债券均实行审
19、批制C.股票和公司债券均实行核准制D.股票发行实行审批制，公司债券发行实行核准制【答案】C28、在我国加入 WTO 后的今天，外资银行已经逐步突破地域、业务等限制进入我国市场。外资银行在我国拓展业务，由于对国情、民情和金融法规不甚了解，难以准确把握市场信息。外资银行把握市场信息的捷径就是实现管理人员的“本土化”。外资银行用优厚的薪酬待遇、优越的工作环境、良好的福利保障、众多的出国培训机会、灵活的用人机制来吸引和留住人才。这一举措导致了我国金融人才的大量流失，这对我国商业银行人力资源开发和管理提出了严峻挑战。A.科学的工资和资金制度B.各种福利计划C.长期的激励机制D.建立员工自我实现平台【答案
20、】D29、According to our records,your membership _ at the end ofDecember.A.will expireB.expiringC.to expireD.expired【答案】A30、Passage 3A.Using too much packagingB.Recycling too many wastesC.Having more material than is neededD.Making more products than necessary【答案】C31、资料：Placing the right type of worker
21、s 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 Business School in Massachusetts.Forbusinesses with 2，0
22、00 employees,this translates into an additional$1 million in profit each year，the study said.A.There is no particular order of these categoriesB.Generalists are those who are neither productive nor effectiveC.The frequency employees need to ask a co-worker for help completinga task is recorded as ef
23、fectivenessD.Productive workers are those who finish a task quickly【答案】B32、During her junior year of high school,Diane Rays teacher handedher a worksheet and instructed the 17-year-old to map out her futurefinancial life.Ray pretended to buy a car,rent an apartment,and applyfor a credit card.Then,sh
24、e and her classmates played thestock marketgame,investing（投资）the hypothetical（虚拟的）earnings from theirhypothetical jobs in the market in the disastrous fall of 2008.Ourpretend investments crashed,Ray says,still frightened.We got toknow how it felt to lose money.A.pay off all her debtsB.handle her mon
25、ey betterC.find a job in a bankD.manage the family income【答案】B33、范某以 10 万元从某商店购入标注为缅甸翡翠手镯一个，好友李某见后拿来欣赏，不慎将手镯打碎。经鉴定，手镯为赝品，市场价值为 10 元，该商店系知假卖假。下列范某请求中合法的是（）。A.要求该商店赔偿 20 万元B.要求该商店赔偿 10 万元C.要求李某赔偿 10 万元D.要求李某赔偿 10 元【答案】D34、Passage 4A.train staff for world-famous firmsB.offer job opportunities to young
26、adultsC.provide youth with unique experiencesD.equip the unemployed with different skills【答案】C35、The fact worried many scientists（）the earth is becomingwarmer and warmer.A.whatB.whichC.thatD.though【答案】C36、You may also consider options that match your unique_.A.elementsB.developmentsC.requirementsD.c
27、omments【答案】C37、资料：“Our cars are for people who want something different.”A.Customers distrust of productsB.A financial lossC.Unhappy workersD.Loss on sales and market share【答案】A38、研究者通过对 300 名小学生长达 20 年的观察，发现被夸聪明的孩子更容易半途而废、自信心不足和胆小怕事。后来，研究者在重复实验中加入了社会不同阶层的被试者，都发现了相同的结果。因此，研究者认为经常被表扬会带来许多负面效应。A.表扬不一定
28、都能起到积极效果，效果会因表扬的具体内容不同而不同B.另一项关于表扬的调查研究显示，被表扬的女性变得更胆小怕事C.另一项关于表扬的调查研究显示，积极表扬的被试组和无表扬的被试组在学习成绩的差异并不显著D.另一项关于表扬的调查研究显示，表扬对智商较高的男性影响最大，他们中的大部分在“失败反应”的测试中都崩溃了【答案】B39、When we read，we construct a mental _ of the text in ourminds，much as we do when we took at an area of land and create amental map in our h
29、eads.A.representationB.imaginationC.interpretationD.identification【答案】A40、假设某银行体系：（1)原始存款总额为 100 万元；（2)法定准备金额为8%;(3)现金漏损率为 10%;(4)超额准备金率为 2%;(5)定期存款准备金率为4%;(6)定期存款总额为 20 万元。根据上述材料，回答下列问题：A.K=1/(r+h)B.K=1/(r+h+e)C.K=1/(r+h+e+tS)D.K=1/(r+h+et+s)【答案】C41、资料：Procrastination comes in many disguises.We mig
30、ht resolveto tackle a task,but find endless reasons to defer it.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
31、look at those rolling,longuntouched items at the bottom of our to-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
32、 our brainD.The brain can be trained to procrastinate often【答案】B42、资料：When a consumer finds that an item she or he bought isfaulty or in some other way does not live up to the manufacturersclaims，the first step is to present the warranty，or any otherrecords which might help.at the store of purchase.
33、In most cases，this action will produce results.However，if it does not，thereare various means the consumer may use to gain satisfaction A simpleand common method used by many consumers is to complain directly tothe store manager.In general，the“higher up”his or hercomplaint，the faster he or she can ex
34、pect it to be settled.In sucha case，it is usually settled in the consumers favor，assuming heor she has a just claim.A.Complain again politelyB.Threaten to take further measuresC.Complain in a rude wayD.Report it to the management of the company【答案】B43、近三十年的航海历程推动了作为商品的青花瓷的大量生产与外销，不仅促进技术创新，使青花瓷达到瓷器新工
35、艺的顶峰，而且改变了中国瓷器发展的走向，带来了人们审美观念的更新。这也就意味着，如果没有郑和远航带来活跃的对外贸易，青花瓷也许会像在元代一样，只是中国瓷器的诸多品种之一，而不会成为主流，更不会成为中国瓷器的代表。由此可见，青花瓷崛起是郑和航海时代技术创新与文化交融的硕果，中外交往的繁盛在推动文明大交融的同时，也推动了生产技术与文化艺术的创新发展。A.航海历程推动了青花瓷的发展B.郑航下西洋使得青花瓷发展到鼎盛C.中外交流的繁多也推动了科技和文化的创新D.中外交往的增多推动了文明的大融合【答案】C44、会计账簿暂由本单位财务会计部门保管（），期满之后，由财务会计部门编造清算移交本单位的档案部门保
36、管。A.1 年B.3 年C.5 年D.10 年【答案】A45、Passage 8A.Some lenders are unwilling to lend money to seniorsB.The borrowers cannot pay back the money as expectedC.Federal and state regulators are documenting the objectionD.Some lenders go bankrupt【答案】B46、我国专利法规定，下列选项中可授予专利权的是（）。A.仪器设备B.科学发现C.疾病的诊断和治疗方法D.智力活动的规则和方法
37、【答案】A47、2019 年 12 月 31 日，A 公司涉及的一项未决诉讼预计很可能败诉。若败诉，A 公司需承担诉讼费 20 万元并支付赔款 400 万元，但基本确定可从保险公司获得补偿 80 万元。2019 年 12 月 31 日，A 公司因该项目诉讼应确认的预计负债的金额为（）万元。A.320B.340C.400D.420【答案】D48、While the reasons for massive，longer-burning wildfires arecomplex，there is_that wildfires will occur more frequently withclimat
38、e change。A.consensusB.conclusionC.recognitionD.compromise【答案】A49、资料：Star Airways,Mumbais dominant airline for the past fiveyears,has reported it is planning to replace its entire aircraftfleet with European-produced Skystream jets.Starting with an initialpurchase of 90 jets,Star Airways expects the
39、changeover to take adecade to complete.The new planes will enable the airline to expandits international routes as well as provide replacements for itsaging fleet of jet planes.Star Airways and Skystream,in a jointannouncement at the Brussels Air Show on Thursday,said that theorder included seventee
40、n of the new AWB85O aircraft.This will makeStar Airways the first Indian carrier to fly the AWB850,an aim ithas had since the powerful jets were first produced.A.To increase its number of flight destinationsB.To replace the older planes in its fleetC.To be among the first to use a new aircraftD.To r
41、elocate its international headquarters【答案】D50、Hes been quite helpful，_？A.hasnt heB.is heC.has heD.isnt he【答案】A多选题（共多选题（共 2020 题）题）1、甲、乙共谋伤害丙，进而共同对丙实施伤害行为，导致丙身受一处重伤，但不能查明该重伤由谁的行为引起。对此，下列哪些说法是错误的?（）A.由于证据不足，甲、乙均无罪B.由于证据不足，甲、乙成立故意伤害(轻伤)罪的共犯，但都不对丙的重伤负责C.由于证据不足，认定甲、乙成立过失致人重伤罪较为合适D.甲、乙成立故意伤害(重伤)罪的共犯【答案】AB
42、C2、2020 年 4 月 10 日，人力资源和社会保障部失业保险司司长桂桢在国务院联防联控机制新闻发布会上表示，为应对疫情的影响，保障失业人员基本生活，国务院实施了三项新举措。新举措包括（）。A.延长大龄失业人员领取失业保险金期限B.阶段性提高价格临时补贴C.阶段性实施失业补助金政策D.拨付失业人员职业培训、职业介绍补贴费用【答案】ABC3、国际收支包括（）。A.贸易收支B.劳务收支C.外资对华直接投资D.政府和银行的借款及企业信贷【答案】ABCD4、我国常见的几种气候类型有（）。A.寒风B.气旋C.梅雨D.台风E.沙尘暴【答案】ABCD5、关于继任规划的说法，正确的有（）。A.继任规划是根
43、据组织人员的分布状况和层级结构拟定的人员晋升方案B.继任规划是为了填补组织中最重要的管理决策职位而制订的计划C.继任规划能够帮助组织中高潜质的员工实现职业发展计划D.继任规划主要用于改变组织内人力资源结构不合理的状态E.继任规划是对不同职务或类型工作人员分布状况的规划【答案】BC6、金融风险对宏观经济和微观经济均会产生影响，以下属于金融风险对宏观经济的影响有（）。A.会造成产业结构不合理B.会引起一国消费水平的下降C.影响着投资者的预期收益D.引起金融市场秩序混乱【答案】ABD7、公共财政的特征（）。A.公共性B.非盈利性C.强制性D.法制性【答案】ABD8、在通货膨胀中，最大利益受损者主要包
44、括（）。A.商人B.固定利息债权人C.农民D.国家公务员【答案】BD9、以下说法正确的是（）。A.“防卫型”股票对市场波动很敏感B.“进攻型”股票对市场波动很敏感C.如果市场起动，最好持有“进攻型”股票D.如果市场回落，最好持有“进攻型”股票【答案】BC10、收文处理标志有（）。A.收文机关的名称B.收文编号C.收文时间D.档号【答案】ABCD11、下列属于商业银行营业外支出的有（）。A.固定资产盘亏B.证券交易差错损失C.坏账准备金D.公益救济性捐赠【答案】ABD12、银行业从业人员职业操守的宗旨包括（）。A.提高中国银行业从业人员整体素质和职业道德水准B.建立健康的银行业企业文化和信用文化
45、C.维护银行业良好信誉D.促进银行业的健康发展【答案】ABCD13、以下属于医学著作的是（）。A.神农本经B.齐民要术C.本草纲目D.黄帝内经【答案】ACD14、下列各项中，属于财务费用核算内容的有（）。A.利息支出B.汇兑损失C.现金折扣D.商业折扣【答案】ABC15、根据中华人民共和国会计法第 45 条的规定，对授意、指使、强令他人伪造、变造或者隐匿、故意销毁会计资料的行为的国家工作人员，尚不构成犯罪的、可以并处（）。A.罚款 6 000 元B.罚款 8 000 元C.降级D.开除【答案】ABCD16、树立和落实科学发展观，同大兴求真务实之风之间的关系是（）。A.树立和落实科学发展观，同大
46、兴求真务实之风，是内在统一的B.各级党委、政府和领导干部都要把树立和落实科学发展观作为求真务实的着力点C.用求真务实的作风来树立和落实科学发展观D.在树立和落实科学发展观中坚持求真务实【答案】ABCD17、下列关于年度决算的说法中，正确的有（）。A.一般把每年的 1 月 1 日至 12 月 31 日作为一个会计年度B.每年的 12 月 31 日作为银行的年度决算日，办理年度决算C.银行在每个会计年度终了，对全年的会计资料加以归纳、整理与核实D.银行通过编制年度决算报表，考核本行各项业务活动及经营成果【答案】ABCD18、以下说法中，正确的是（）。A.一般来说，在其他条件不变的情况下，债券的期限
47、越长，其市场价格变动的可能性就 越大，投资者要求的收益率补偿也越高B.债券的票面利率越低，债券价格的易变性也就越大C.一般来说，免税债券的到期收益率比类似的应纳税债券的到期收益率高D.具有较高提前赎回可能性的债券应具有较高的票面利率，其内在价值相对较低【答案】ABCD19、泛化是指某种特定刺激的条件反应形成后，另外一些类似的刺激，也会诱发同样的条件反应。新刺激越近似于原刺激，条件反应被诱发的可能性就越大。根据以上定义，以下不可以成为泛化现象的是（）。A.杯弓蛇影B.草木皆兵C.四面楚歌D.朝被蛇咬，十年怕井绳【答案】ABC20、2010 年以后，各大商业银行逐渐取消了住房贷款的优惠利率。北京、
48、上海都出台了房屋限购令。中国人民银行也在年内 5 次上调存款准备金率。中国人民银行也在 3 年内首次加息。A.打击投机性购房B.鼓励投资性购房C.抑制房价过快增长D.限制房地产业发展【答案】AC大题（共大题（共 1010 题）题）一、甲、乙两国有企业与另外 9 家国有企业拟联合组建设立“光中有限责任公司”(以下简称光中公司)，公司章程的部分内容为：公司股东会除召开定期会议外，还可以召开临时会议临时会议须经代表 12 以上表决权的股东，12以上的董事或 12 以上的监事提议召开。在申请公司设立登记时，工商行政管理机关指出了公司章程中规定的关于召开临时股东会议方面的不合法之处。经全体股东协商后，予
49、以纠正。1996 年 3 月，光中公司依法登记成立，注册资本为 1 亿元，其中甲以工业产权出资，协议作价金额 1200 万元；乙出资 1400 万元，是出资最多的股东。公司成立后，由甲召集和主持了首次股东会会议，设立了董事会。1996 年 5 月，光中公司董事会发现，甲作为出资的工业产权的实际价额显著低于公司章程所定的价额，为了使公司股东出资总额仍达到 1 亿元，董事会提出了如下解决方案：由甲补足差额，如果甲不能补足差额，其他股东不承担任何责任1997 年 5 月，公司经过一段时间的运作后，经济效益较好，董事会制定了一个增加注册资本的方案，方案提出将公司现有的注册资本由 l 亿元增加到 15
50、亿元。增资方案提交股东会讨论表决时，有 7 家股东赞成增资，7 家股东出资总和为 5830 万元，占表决权总数的 417。股东会通过增资决议，并授权董事会执行。2001 年 3 月，光中公司因业务发展需要，依法成立了海南分公司。海南分公司在生产经营过程中，因违反了合同约定被诉至法院，对方以光中公司是海南分公司的总公司为由要求光中公司承担违约责任。要求：根据上述事实及公司法律制度的有关规定，分别回答下列问题：(1)光中公司设立过程中订立的公司章程中关于召开临时股东会议的规定有哪些不合法之处?说明理由。(2)光中公司的首次股东会会议由甲召集和主持是否合法?为什么?(3)光中公司董事会作出的关于甲出