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1、山西省山西省 20232023 年银行招聘之银行招聘综合知识自我检年银行招聘之银行招聘综合知识自我检测试卷测试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、资料：American Airlines CEO takes blame for maintenance errors,disrupted flightsA.it has not done any inspections beforeB.its airplanes are far too old to fly any moreC.it has not met the FAA maintenance standard
2、D.the fatality rate has doubled in the last 15 years【答案】B2、最广义的投资银行定义是指（）。A.任何经营华尔街金融业务的银行B.指经营一部分或者全部资本市场业务的金融机构C.投资银行是指经营资本市场某些业务的金融机构D.在一级市场上承销证券筹集资本和在二级【答案】A3、资料：What，if anything，do we gain by clinging to our antioxidantsupplements？A.reasonableB.untrueC.terribleD.fair【答案】B4、资料：Changing careers i
3、s becoming more popular.Not just becausethere are more career options available,but also out of necessity.As new industries arise,others die.Its up to you to figure out ifyour career is still going to be around in the next 5-10 years.Somestudies say we could have as many as nine careers in our profe
4、ssionallifetime.Which begs the question:do you know what it takes tosuccessfully change career lanes repeatedly?A.To build a marketing campaign by creating a better resumeB.To give the logic and passion behind your career changeC.To make sure everyone knows about your intention of changing careerD.T
5、o have more conversations and connections within your new careerpath【答案】D5、下列与不作为犯罪相关的表述，哪一选项是正确的?（）A.甲警察接到报案：有歹徒正在杀害其妻。甲立即前往现场，但只是站在现场观看，没有采取任何措施。此时，县卫生局副局长刘某路过现场，也未救助被害妇女。结果，歹徒杀害了该女子。甲和刘某都是国家机关工作人员，都没有履行救助义务，均应成立渎职罪B.甲非常讨厌其侄子乙(6 岁)。某日，甲携乙外出时，张三酒后驾车撞伤了乙并迅速逃逸。乙躺在血泊中。甲心想，反正事故不是自己造成的，于是离开了现场。乙因得不到救助而死
6、亡。由于张三负有救助义务.所以甲不构成不作为犯罪C.甲下班回家后，发现自家门前放着一包来历不明、类似面粉的东西。甲第二天上班时拿到实验室化验，发现是海洛因，于是立即倒入厕所马桶冲入下水道。甲虽然没有将毒品上交公安部门.但不构成非法持有毒品罪D.消防法规定，任何人发现火灾都必须立即报警。过路人甲发现火灾后没有及时报警，导致火灾蔓延。甲的行为成立不作为的放火罪【答案】C6、The chipmunk（金花鼠）builds its nest in either an undergroundburrow_.A.in a hollow limbB.or a hollow limbC.builds in a
7、 hollow limbD.by a hollow limb【答案】B7、资料：According to our research,Best Buy in China was perceivedas being too expensive,with many of their products priced higherthan in local markets.Why buy a Sony DVD player or Nokia phone atBest Buy when you can pay less for the exact same product at a localstore？
8、Consumers will only be willing to pay more,like at the Applestores,if they are buying something they cannot get elsewhere.A.Chinese market needs more regulationsB.Western retailers cannot succeed in Chinese marketC.In China owing a car does not necessarily mean efficient travelD.To start a successfu
9、l business,a better understanding of consumerpreference is important【答案】B8、Passage 6A.New restrictions on carry-on bagsB.The declining efficiency of the TSAC.An increase in the number of travelersD.Frequent unexpected secret checks【答案】C9、在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融 工具销售给投资者的金融机构属于（）。A.直接金融
10、机构B.金融服务机构C.创造货币机构D.间接金融机构【答案】A10、关税与贸易总协定乌拉圭回合多边贸易谈判达成的服务贸易总协定依照服务的提供方式将国际服务贸易划分为（）形式。A.3 种B.4 种C.5 种D.6 种【答案】B11、2020 年 1 月 2 日电，自今年 1 月 1 日起，符合条件的港澳台居民可在（）参加社会保险。目前，珠海市已启动实施港澳台居民参加珠海社会保险工作，专题部署和组织培训。A.珠海市B.深圳市C.广州市D.厦门市【答案】A12、资料：From:Peter Manx pmanxbettertraining.co.auA.To sell a publicationB.T
11、o recruit a consultantC.To request informationD.To offer a service【答案】D13、Your suggestion could only make things worse_.A.if anythingB.if everythingC.if nothingD.if something【答案】A14、资料：Demystifying how social and human-like robots work is vitalso that we can understand and shape how they will affect
12、 our future,Dr Hatice Gunes will tell the Hay Festival next week.(1)A.It is important for robots to learn about the context so as tounderstand human emotionsB.Whether humanoids will have human emotions themselves still remainsunclearC.It is a stigma for robots to have different layers of humanemotio
13、nsD.The nature of human emotions will hinder the development ofhumanoids【答案】A15、资料：Up to 80 per cent of the worlds middle classes will livein developing countries by 2030 thanks to surprising recent gains inpoverty reduction,according to a United Nations report published onThursday.A.greater economi
14、c dynamismB.aid from developed countriesC.changes of developing countriesD.trade among developing countries【答案】B16、We went to the office in the morning and found somebody（）into the office during the night.A.brokeB.had brokenC.has brokenD.was breaking【答案】B17、下列叙述正确的是（)A.字长为 16 位表示这台计算机最大能计算一个 16 位的十进
15、制数B.字长为 16 位表示这台计算机的 CPU 次能处理 16 位二进制数C.运算器只能进行算术运算D.SRAM 的集成度高于 DRAM【答案】B18、Children who have negative relationships with their parents oftendevelop_problems including low academic achievement，negativesocial relationships，and delinquency。A.domesticB.influentialC.diverseD.identical【答案】C19、She can do
16、 it herself;it is（）easy（）ABC.A.rather.thanB.more.thanC.not as much.asD.as.as【答案】D20、资料：Procrastination comes in many disguises.We might 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
17、big,complex stuff untouched foranother day.We can look and feel busy.while artfully avoiding thetanks that really matter.And when we 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
18、 than the abstract thingsB.The long term upside is easily dominated by short-term effort inour mindsC.We cannot avoid present bias in our brainD.The brain can be trained to procrastinate often【答案】B21、从效力层级看，下列法律中效力最高的是（）A.中华人民共和国渔业法B.中华人民共和国渔业船舶检验条例C.中华人民共和国渔业行政执法船舶管理办法D.长江渔业管理规定【答案】A22、对于热水瓶爆裂造成的烫伤
19、，下列紧急处理正确的一项是（）。A.立即脱去被开水浸湿的衣裤或鞋袜B.立即用纱布包裹，冰块凉敷烫伤处C.立即用 20左右的凉水冲洗D.擦干净烫伤皮肤，可用紫药水或红汞涂抹【答案】C23、资料：Its easy to trace the evolution of the automobile.Atmost，were only talking about a few centuries of technologicaldevelopment，and most of the plans，prototypes and models are stillaround.With just a little
20、research，you can easily trace the latestmodel electric hybrid back to its steam-powered ancestors.A.how technological development over a few centuries developedB.how the plans，prototypes and models of electric hybrid developedC.how to trace family tree is much the same way astracing electrichybridD.
21、why humanitys evolutionary progression is even more difficult【答案】D24、This type of networking serves a great_in giving back to thecommunity.A.processB.powerC.purposeD.project【答案】B25、Passage 4A.Alex Taw is an American millionaireB.Alex Taw will graduate from universityC.Alex Taw doesnt work hardD.Alex
22、 Taw was not rich before【答案】D26、资料：No matter how carefully you pick the members on yourteam,you may still end up with a negative employee.These workersdont necessarily fall into the category of“toxic,”but theyrejust kind of a drag with their cynical,pessimistic worldview.If youre dealing with a nega
23、tive employee,here are 3 steps to take.A.Three Way to Build an Effective TeamB.How to be a Positive EmployeeC.Is it Important to Sustain a Successful Workplace EnvironmentD.Several Tips for Managing a Team【答案】A27、Mary quickly closed the door of her room（）her father couldreach it to keep him out.A.be
24、foreB.whenC.asD.while【答案】A28、资料：Anything that affects the smooth flow of information isknown as noise.This might be,for example,the language used,an inappropriate use of technology or the different levels of skill andknowledge of the sender and receiver.For example,every day in thepress and on TV,co
25、nsumers are bombarded with often confusing orcontradictory information about the health benefits or risksassociated with different foods.Consumers may not have enoughunderstanding or information to judge between conflicting messages.It is therefore not surprising that many people do not hear theseme
26、ssages and switch off.A.because the companies respond to the negative press article slowlyB.because the companies fail to be in good relationships with thepressC.because the market is so grueling and they dont perform wellD.not mentioned【答案】A29、一般均衡经济理论中，商品的供给和需求依赖于经济体中（）的价格。A.所有其他商品B.技术研发C.单一商品D.相关
27、商品【答案】A30、Nabhi Verma,who holds degrees in both architecture andengineering,has a range of technical abilities _ that.A.too muchB.beyondC.even moreD.moreover【答案】B31、I have a presentation this morning,and I need to prepare copiesof the report for all the（）.A.engineersB.attendeesC.board of directorsD.
28、Faculties【答案】B32、Passage 3A.They have to cancel their vacations in New EnglandB.They find it unaffordable to dine in mom-and-pop restaurantsC.They have to spend more money when buying imported goodsD.They might lose their jobs due to potential economic problems【答案】C33、It was no_that his car was seen
29、 near the bank when the robberyhappenedA.coincidenceB.conventionC.certaintyD.complication【答案】A34、我国横断山脉是具有国际意义生物多样性的关键地区，横亘（）。A.湘、桂、黔B.川、滇、藏C.新、青、藏D.闽、浙、赣【答案】B35、The manager said he believed we would win the contract,but Iknew that we didnt really stand a/an_.A.chanceB.opportunityC.probabilityD.poss
30、ibility【答案】A36、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.CynicalB.SubjectiveC.CriticalD.Objective【答案】B37、_their regular daytime job,many people do extra work in theevening.A.BetweenB.BesideC.BesidesD.By【答案】C
31、38、资料：Being financially secure in retirement just doesnt happenmagically.It takes lots of planning,time and savings.A.The professional who will do a physical“check-up”for youB.The professional who will visit you like a doctorC.The professional who will schedule a meeting with youD.The professional w
32、ho will help you make your financial plans【答案】D39、某企业投资了一个加工厂，建成后，每年可生产某种零件 2.5 万件，每件毛利润为 1 元。第一年的维护成本是 0.1 万元，以后按照每年 0.1 万元递增，则该厂可在第（）年实现累计利润（毛利润-维护成本）20 万的目标。A.12B.11C.10D.13【答案】B40、Lawyers have questioned the_of the ban on political rallies,but officials continue to insist they are more intereste
33、d in ensuringpublic safety than stifling political dissent.A.importanceB.qualificationC.legalityD.extension【答案】C41、Passage 3A.The dollar has little respect in New EnglandB.Europeans begin to think more warmly of theU.SC.Imported food is more expensive to the AmericansD.Some large American corporatio
34、ns make more profits【答案】A42、计算机病毒按照感染方式的分类中不包括（）。A.引导型病毒B.文件型病毒C.混合型病毒D.附件型病毒【答案】D43、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shame！）on a Friday and simply notcheck your work email again until you return the office during normalworking hours。A.Becaus
35、e they never know what kind of work requests will be askedoff hoursB.Because they are required by the company to answer emails off hoursC.Because smart phones and tablets keep us connected all the timeD.None of above【答案】A44、资料：You can not go forward by going backward.Take the currentdebate about tra
36、de and globalization,for instance,while the impulseto erect trade barriers is understandable given the pain experiencedin recent years,it is not the way to create lasting growth andshared prosperity.A.It is a one-size-fit-all solutionB.It is not helpful to those hurt by trade and globalizationC.It s
37、hould meet the different needs of affected workforceD.It should not be talked about so often【答案】C45、分贝是用来表示声音强弱的单位，根据我国城市环境噪声标准规定，以居住、文教机关为主的区域为一类区，适用这一类区的环境噪声标准是（）。A.白天 55 分贝，夜间 40 分贝B.白天 55 分贝，夜间 45 分贝C.白天 60 分贝，夜间 50 分贝D.白天 60 分贝，夜间 55 分贝【答案】B46、资料：People differ greatly in their readiness to try
38、newproducts.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.They rely more on their own values and judgment。B.They are reluctant to take risks。C.They are mor
39、e receptive to familiar things。D.They are more brand loyal。【答案】A47、资料：Candle Light College LimitedA.DegreeB.Computer knowledgeC.Related work experienceD.Flexible working hours【答案】C48、（）is believing.A.SeeingB.SeenC.To be seeingD.To see【答案】A49、资料：Asked to name their favorite city,many Americans woulds
40、elect San Francisco which began as a small Spanish outpost locatedon a magnificent bay.The town was little more than a village servingranchers when the United States took possession of it in 1846 duringthe war with Mexico.A.deserters from sailing shipsB.Spanish ranchersC.gold minersD.tourists【答案】C50
41、、The professors new book is_reading.A.well worthyB.very worthC.well worthD.very worthy【答案】C多选题（共多选题（共 2020 题）题）1、以下属于商业银行代理类中间业务种类的有（）。A.代理中国人民银行业务B.代理商业银行业务C.代收代付业务D.代理证券业务【答案】ABCD2、金融市场上的非存款性金融机构主要包括（）。A.信用合作社B.保险公司C.退休养老基金D.投资银行E.投资基金【答案】BCD3、关于互换业务，下列叙述正确的有（）。A.最常见的利率互换是固定利率与浮动利率之间进行转换B.货币互换仅交换货
42、币本金不交换货币利息C.当利率看涨时，可将浮动利率债务类金融工具转换成固定利率金融工具D.货币互换本金的交易方式是在协议生效日双方按约定汇率交换人民币与外币的本金，在协议到期日双方再以相同汇率、金额进行一次本金的反向交换【答案】ACD4、借款申请书的主要内容包括（）。A.借款金额B.借款利率C.借款用途D.还款计划E.还款来源【答案】ACD5、会计期间通常分为()。A.年度B.月度C.中期D.季度【答案】ABCD6、巴塞尔新资本协议在三大支柱之一的最低资本要求的创新之处包括（）。A.引入了计量信用风险的内部评级法B.将资本充足率作为保证银行稳健经营、安全运行的核心指标C.将银行资本分为核心资本
43、和附属资本两类D.在资本充足率的计算公式中全面反映了信用风险、市场风险、操作风险的基本要求【答案】AD7、写作“报告”应注意的问题是（）。A.陈述事实要清楚扼要B.表达观点要精炼清晰C.语言要简洁朴实D.引文不能断章取义【答案】ABC8、个人外汇账户按照账户性质可以区分为（）。A.现钞账户B.现汇账户C.外汇结算账户D.外汇资本项目账户【答案】CD9、下列各项中，属于反映财务状况的会计要素有（）。A.资产B.负债C.收入D.费用【答案】AB10、下面属于非银行业金融机构的有（）。A.金融资产管理公司B.汽车金融公司C.企业集团财务公司D.保险公司【答案】ABC11、储蓄机构设置必须具备的条件包
44、括（）。A.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】ABC12、商业银行结算的原则有（）。A.恪守信用，履约付款B.谁的钱进谁的账，由谁支配C.银行不垫款D.单位和个人办理结算业务.不准出租账户【答案】ABC13、凯恩斯认为，货币需求的流动性偏好动机包括（）。A.投机动机B.营利动机C.预防动机D.分散动机E.交易动机【答案】AC14、实施价格歧视的基本条件包括（）。A.市场能够有效地隔离开B.必须有可能根据不同的需求价格弹性划分两组或者两组以上的购买者C.生产者必须要达到一定的规模D.不同市场上企
45、业的边际收益相等【答案】AB15、对于下列经济业务活动，依照会计法的规定，应当办理会计核算的有（）。A.款项和有价证券的收付B.财务成果的计算和处理C.收入、支出、费用、成本的计算D.债权、债务的发生和结算【答案】ABCD16、原始凭证是各项业务活动和财务收支的原始记录，明确经济责任的书面证明，是()的依据。A.登记账簿B.核对账务C.事后考查D.事前取证【答案】ABC17、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】ABCD18、“人无信不立，国无法不安。”可见法对一个国家的建设尤为重要。下列属于
46、法的特征的有（）。A.法是调整人的行为的社会规范B.法是由国家制定、认可并具有普遍约束力的社会规范C.法是由社会道德公信力保证实施的社会规范D.法是规定权利和义务的社会规范【答案】ABD19、我国金融机构资本的构成（）。A.实收资本B.呆账准备金C.盈余公积D.资本公积【答案】ABCD20、记账凭证必须按规定填制，下列选项中属于必备内容的有（）。A.日期、编号B.金额C.摘要D.会计科目【答案】ABCD大题（共大题（共 1010 题）题）一、材料：我国大学生的创业，始于 1997 年。当时国内大学生发现发达国家的大学毕业生中有不少人选择自己创业，于是引入这个新概念。清华大学于 1998年率先举
47、行大学生创业计划大赛，随后，首届“挑战杯”全国大学生创业计划竞赛于 1999 年举办；清华大学还于 2000 年允许大学生休学创业，由此渐渐掀起大学生创业高潮，不少高校在校内办创业讲座、搞创业计划大赛。但是，教育部 2004 年的一项报告透露，全国 97 家开张比较早的学生企业。赢利的仅占7，学生创办的公司，5 年内仅有 30能够生存下去。2005 年的另一统计则表明创业企业失败率高达 70以上，大学生创业成功率只有 23，远低于一般企业。以上各项调查可能由于种种原因存在误差，但反映出一个共同事实：大学生创业成功率低。为支持大学生创业，各级政府及相关部门纷纷出台优惠政策，大学生自主创业可享受到
48、税费减免、贷款贴息、政策培训，甚至无偿使用办公场地等政策，受到广大高校毕业生的欢迎共青团中央：建立“青年就业创业见习基地”4083 个，提供见习岗位 121646 个：与银监会合作，提供农村小额贷款，以创业带动就业；与团省委合作全面建立促进青年就业创业基地，解决创业资金瓶颈问题。上海：投资 5000 万元，设立“大学生创业投资接力基金”。该项基金将像“接力棒”一样对大学生创业企业进行扶持，帮助企业快速成长。福建：建立 10 个高校毕业生创业培训基地，扶持 100个高校毕业生创业项目。为 1000 名有创业意向的高校毕业生提供系统的创业辅导，组织 1 万名高校毕业生参加创业培训。青岛：拨款 10
49、00 万元，设立“青岛市高校毕业生创业扶持基金”。云南：每年将安排 1 亿元资金支持自主创业。重庆：大学生创业可贷款 100 万元，小额贷款政府全贴息。在各级政府支持大学生创业的优惠扶持政策的推动下，各地出现了多种形式的创业案例：吉林省辽源市的东北袜业纺织工业园最近出台了一个“零投资”的创业计划，为大学生开办袜厂提供场地、资金和设备，有创业就以分期付款的方式偿还投资。这一计划吸引了很多大学生参与，但也有大学生表示，做袜子、卖袜子没有多少知识含量，属于大材小用，自己不会去干。彭良柱大学毕业后，回乡创业当上“猪倌”。3 年时间，他的猪场初具规模。如今资产已达到 400 多万。他说“大学生有知识，接
50、受新事物快，只要放下架子到基层吃苦，总会有回报”。请结合上述资料谈谈怎样才能提高大学生自主创业的成功率。【答案】第一，各级政府及相关部门要积极出台优惠政策，如税费减免、贷款贴息、政策培训等，支持大学生创业。第二，加大财政投入，安排创业专项基金，全面建立促进青年就业创业基地，解决大学生创业资金瓶颈问题。第三，积极对大学生进行创业技能培训，开展各种创业经验交流会，提高大学生创业技能和素质。第四，加强宣传教育，帮助大学生转变观念，鼓励大学生到基层锻炼，从实践中学习创业本领。二、2002 年 3 月 5 日，美国总统布什决定，从 3 月 20 日起，美国将对大多数钢材征收最高达 30的进口关税，并对原