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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题库练年银行招聘之银行招聘综合知识题库练习试卷习试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、资料：Tencent Holdings Ltd has announced that it will fully openup its big data platform and machine learning technology in a move tobuild a sharing economy based on cloud services.Enterprises willbe able to use
2、a set of big data analysis tools developed by Tencent,helping them gain a better understanding of their clients and improvetheir products.A.dig intoB.specialize inC.break intoD.make use of【答案】A2、资料：Human resource professionals act as mediators between anorganizations management and its workers.This
3、requires wearing manyhats Its an HR administrators job to make sure that employees areworking in a safe environment that disputes are settled，and thatbenefits are understood and administered properly.At the same time，HR is charged with recruiting new employees who will not only fit inpersonally and
4、professionally but also help the company achieve itsbusiness goals.They also represent management when negotiating forbenefits with companies administering these benefits and whenimplementing companywide policies that will ultimately lower costs orboost profits.The needs of HR cover a wide range of
5、tasks and，therefore，require individuals who are good with people in additionto being organized，analytical，business-minded，and heroicmultitaskers.A.To specialize in a specific industryB.To strengthen the understanding of business strategy and planningC.To find an internship or an assistant jobD.Both
6、A and B【答案】C3、资料：In the United States of America,banks are categorized intothe federally-chartered bank which received their charter from theOffice of the Comptroller of the Currency（OCC）;these are referredto as“National Banks”;and also the states-chartered banks whichreceive their charter from the
7、superintendent to as“State Banks”.Banks are allowed to register either with the federal or the stateauthority.Let us now look at the organizational structure ofCommercial Banks,which include unit banking,group banking andbranch banking.A.National Banks in the USA refers to“State Banks”B.The group ba
8、nking system usually exists in the states where branchbanking is prohibitedC.Stateside branching implies that bank branches are allowed tooperate anywhere within the stateD.Limited branching allows bank to operate branches within geographicterritories authorized by the state law【答案】A4、Passage 4A.the
9、 lack of support from firmsB.the cultural differencesC.the effect of unemploymentD.the shortage of money【答案】D5、The computers mouse permit the computer operator_the cursoron the video display.A.moveB.movingC.to moveD.is moving【答案】C6、资料：We all know that lack of sleep affects our memory along withother
10、 cognitive abilities.Sitting in the office sleep deprives itsdifficult to remember your own name,let along the ever-lengtheningto-do list.A.Creation of false memoriesB.Memory deprivationC.Crime being createdD.Different details shown【答案】A7、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
11、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】B8、下列离散程度的测度值中，能够消除变量值水平和计量单位对测度值影响的是（）。A.标准差B.离散系数C.方差D.极差【答案】B9、下列语句排序最为通畅的一项是（）。A.（5）（1）（3）（2）（4）B.（3）（2）（5）（1）（4）C.（3）（5）（1）（4）（2）D.（5）（2）（3）（4）（1）【答案】B10、材料一：为进一步支持实体经济发展，优化流动性结构，降低融资成本，中国人民银行决定下调金融机构存款准备金率 1 个百分点，其中，2019
12、年 1 月15 日和 1 月 25 日分别下调 0.5 个百分点。同时，2019 年一季度到期的中期借贷便利（MLF）不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动，有利于金融机构继续加大对小微企业、民营企业支持力度。A.货币供给增加B.货币供给减少C.货币需求增加D.货币需求减少【答案】A11、资料：Its easy to trace the evolution of the automobile.Atmost，were only talking about a few centuries of technologicaldevelopment，and most of
13、the plans，prototypes and models are stillaround.With just a little research，you can easily trace the latestmodel electric hybrid back to its steam-powered ancestors.A.methods of genealogyB.methods of archaeology linguisticsC.methods of anthropologyD.methods of primatology【答案】D12、This ticket（）you to
14、a free meal.A.grantsB.entitlesC.creditsD.permits【答案】B13、若信道的复用是以信息在一帧中的时间位置(时隙)来区分，不需要另外的信息头来标志信息的身份，则这种复用方式为（）。A.异步时分复用B.频分多路复用C.同步时分复用D.以上均不对【答案】C14、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.Hiring a local agent or 3PQ is most convenientB.Agents charge high pricesC.One should inspect the factorie
15、s personallyD.Visiting a factory requires applications【答案】A15、资料：As a business owner，it is vital that you understand anduse advanced technologies.Technology can help increase businessefficiency and even expand operations.A.审讯B.检验C.麻烦D.试用【答案】D16、Global warming is causing more than 300,000 deaths and
16、about$125billion in economic losses each year,according to a report by theGlobal Humanitarian Forum,an organization led by Annan,the formerUnited Nations secretary general.A.It was challenged by some climate and risk expertsB.It aroused a lot of interest in the scientific circlesC.It was warmly rece
17、ived by environmentalistsD.It caused a big stir in developing countries【答案】A17、Human survival has been based on unrivaled adaptation to theenvironment,but plants and animals will and are inevitably succumbing（）subtle changes in the climate.A.inB.withoutC.withD.To【答案】D18、Passage 1A.to be richB.to hav
18、e her own parentsC.to have a lot of friendsD.happiness【答案】D19、代保管业务主要指商业银行的（）。A.保管箱业务B.委托代办债券还本付息业务C.代发股票红利业务D.代理证券资金清算等业务【答案】A20、流动资产是指可以在（）变现或耗用的资产，包括现金和各种存款、短期投资、应收及预收款项、存货。A.一年内B.一年或超过一年的一个营业周期内C.一个营业周期内D.一年或超过一年的一个营业周期以上【答案】B21、关于商业汇票贴现核算的下列表述中，不正确的是（）。A.商业银行通过“贴现资产”科目核算办理相关业务B.该科目应该按照贴现种类和贴现申请
19、人进行明细核算C.会计部门接到贴现凭证及商业汇票后，按照规定的贴现率计算出贴现利息并给予扣收，实付贴现金额=汇票金额-汇票天数*贴现天数*月贴现率D.编制会计分录：借记：贴现资产商业承兑汇票或银行承兑汇票（面值）贷记：吸收存款贴现申请人户，贷记贴现资产利息调整【答案】C22、资料：Tencent Holdings Ltd has announced that it will fully openup its big data platform and machine learning technology in a move tobuild a sharing economy based on
20、 cloud services.Enterprises willbe able to use a set of big data analysis tools developed by Tencent,helping them gain a better understanding of their clients and improvetheir products.A.Tencent is offering cloud services as a separate businessB.Smaller companies fail to build their own data centerC
21、.Cloud services slightly increased the operating costsD.Cloud technology is widely used in every Chinese enterprise【答案】B23、Passage 4A.the lack of support from firmsB.the cultural differencesC.the effect of unemploymentD.the shortage of money【答案】D24、I could speak_ Japanese_ Chinese,so I had to talk w
22、ithhim in English.A.not only；but alsoB.both；andC.neither；norD.either；or【答案】C25、资料：Earlier this month,presidents Barack Obama of the US andXi Jinping of China made an important symbolic gesture when theycommitted their countries,the two largest greenhouse gas emitters,to the Paris climate agreement.I
23、t was the clearest signal yet toinvestors worldwide that they need to think about the implications ofglobal warming for their portfolios.A.BlackRock is philanthropic fund that cares about climate changeB.Investors can take the opportunities brought by climate changeC.The threat brought by climate ch
24、ange still needs scientificevidenceD.What investors think of the climate change is very important【答案】B26、已知某种商品的市场需求函数为 D=30-P，市场供给函数为 S=3P-10，如果对该厂商实行减税，则减税后的市场均衡价格（）。A.等于 10B.小于 10C.大于 10D.小于或等于 10【答案】B27、The news that they failed their driving test discouraged him，（）？A.did theyB.didnt theyC.did i
25、tD.didnt it【答案】D28、并非只有人类才有利他主义行为，这句话等同于（）。A.有些动物具有利他主义行为B.只有人类才有利他主义行为C.除了人类，其他动物都有利他主义行为D.利他主义行为并不是所有动物都具有【答案】C29、She is less _ on being a grandmother,now her daughterCaron is married.A.desirousB.eagerC.keenD.anxious【答案】C30、资料：Directions:There is 1 passage in this part.The passageis followed by so
26、me questions or unfinished statements.For each ofthem there are four choices,You should decide on the best choice.A.PromisingB.SkepticalC.SupportiveD.Neutral【答案】B31、资料：Early ExperiencesA.You should separate new and mature customers in testing yourproductsB.Approximate customers are equally valuable
27、as real usersC.Salespeople have a lot of customer contact,so they have the samemotivations as customersD.Usability test aims to please the customers【答案】D32、After the exploration the army got the building（）and the（）area was also cut off from the outside.A.surrounded；surroundedB.surrounding；surrounded
28、C.surrounding；surroundingD.surrounded；surrounding【答案】D33、国家主席习近平 6 日致电（），向非洲国家和人民表示热烈祝贺，习近平祝愿非洲国家和人民在联合自强、发展进步的道路上不断取得更大成就。A.第 32 届非洲联盟峰会B.第 34 届非洲联盟峰会C.第 34 届中非联盟峰会D.第 35 届非洲联盟峰会【答案】B34、Chemistry is _ as a science for it provides the ability tounderstand living systems at the molecular level.A.deni
29、ableB.reliableC.indispensableD.dependent【答案】C35、Her parents insist that she_alone.A.liveB.livesC.livedD.is living【答案】A36、I had just posted the letter when I remembered that hadnt（）the cheque。A.imposedB.enclosedC.involvedD.contained【答案】B37、在 Word 的编辑状态下，打开了文档“myldoc”，把当前文档以“my2doc”为名进行“另存为”操作，则（）。A.当
30、前文档是 my1.DocB.当前文档是 my2.docC.当前文档是 my1.doc 与 my2.docD.my1.doc 与 my2.doe 全部关闭【答案】B38、资料：之后，经济学家 Mr.V 发表了关于一些新名词的感悟，请根据下列资料回答问题。A.what globalization means for businessesB.how definitions differ from each otherC.how businesses go“global”D.the definition of the term“globalization”【答案】C39、资料：The followin
31、g passage is the introduction about one of theMonsell international financial products.According to thepassage,there will be 5 questions.You should read carefully,thenselect the right answer.A.$48.05B.$48C.$63.05D.$64【答案】C40、My major and working experience _this position.A.provide me the qualificati
32、on forB.support me qualified withC.make me qualified forD.qualified myself with【答案】C41、某企业库存现金 5 万元，银行存款 75 万元，应收账款 40 万元，存货 80 万元，流动负债 200 万元。该企业的速动比率是（）。A.0.4B.0.6C.0.8D.1【答案】A42、资料：Britain is facing a“crisis of fatherlessness”in whichalmost half of all children born today will not be living with
33、bothparents by the time they are 15,the new chief executive of thethinktank founded by Iain Duncan Smith has warned.A.the rapid increase in the number of abandoned childrenB.the high percentage of single-parent familyC.the gradual decrease of father-child contactD.the negative impact of family split
34、 on children【答案】C43、资料：Directions:There is 1 passage in this part.The passageis followed by some questions or unfinished statements.For each ofthem there are four choices,You should decide on the best choice.A.To infer that a person s face is highly unlikely to change toanother shapeB.To illustrate
35、that the image stored in the phone cannot be changedif FaceID is compromisedC.To explain the revocation difficulty of FaceID.To enhance the data security on iPhone since it do not sharebiometric information with servers【答案】C44、资料：HS ensures there is a clear career path for any employee,from any back
36、ground.Three key levels in Harrods are the salesemployee,department managers and senior managers.At each level,employees can benefit from the development programs in order to builda career.A.the sales employees,department managers and senior managersB.the sales employees,sales assistants and departm
37、ent managersC.the senior managers,department managers and sales employeesD.not mentioned【答案】A45、中国近代史上第一个不平等条约是（）。A.南京条约B.马关条约C.瑷珲条约D.望厦条约【答案】A46、This type of networking serves a great_in giving back to thecommunity.A.processB.powerC.purposeD.project【答案】B47、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
38、给投资者的金融机构属于（）。A.直接金融机构B.金融服务机构C.创造货币机构D.间接金融机构【答案】A48、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 dres
39、ses andaccessories 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 number ofthemC.She purchases goods at wholesale and sell them onlin
40、e at higherpricesD.She makes profits by selling dresses and accessories at retailstores【答案】C49、下列关于历史典籍，表述正确的是（）。A.春秋是我国第一部国别体史书B.史记是我国第一部编年体通史C.汉书是我国第一部纪传体断代史D.资治通鉴是我国第一部纪传体通史【答案】C50、Passage 8A.The rules are good for lenders while bad for borrowersB.The rules will help baby boomer seniors to save m
41、oneyC.The rules will help consumers better understand reverse mortgageD.The rules will be stricter for consumers【答案】C多选题（共多选题（共 2020 题）题）1、对于一个烟草企业来讲，以下哪些因素代表的是该企业的机会?（）A.邻国吸烟人数成上升态势B.该企业改进技术，降低了生产成本C.公共场合禁止吸烟D.烟叶大丰收.市场价格下降【答案】AD2、当消费者处于均衡状态时（）。A.消费者可通过改变商品组合使效用增加B.消费者实现了效用最大化C.消费者在既定收入和商品价格下得到了最大满足
42、D.消费者能够透过增加某种商品的消费来最大化效用【答案】BC3、可以抵押的财产主要有（）。A.房屋B.机器C.建设用地使用权D.商业票据E.专利权【答案】ABC4、税收的特征包括（）。A.无偿性B.灵活性C.强制性D.固定性【答案】ACD5、存款类金融机构会计凭证按使用范围分为（）。A.基本凭证B.特定凭证C.一般凭证D.重要凭证【答案】AB6、错账的更正方法包括()。A.补充登记法B.借贷更正法C.划线更正法D.红字更正法【答案】ACD7、下列资本公积项目中，不可以直接用于转增资本的有（）。A.关联交易差价B.股权投资准备C.外币资本折算差额D.资本(股本)溢价【答案】ABC8、财务情况说明
43、书的主要内容包括（）。A.企业经营方针B.利润实现及分配、税金缴纳情况C.某些主要项目采用的财务会计方法及其变动情况和原因D.重大案件、重大差错、其他损失情况【答案】BCD9、经济业务的发生会导致()。A.一方面资产类项目的增加，另一方面资产类项目的减少B.一方面负债类或所有者权益类的增加，另一方面负债类或所有者权益类的减少C.一方面资产类的增加，另一方面负债类或所有者权益类的增加D.一方面资产类的减少，另一方面负债类或所有者权益类的减少【答案】ABCD10、与商业信用相比较，银行信用有以下特点（）。A.直接信用B.间接信用C.可以突破资金来源的期限限制D.贷款方向受行业限制【答案】BC11、
44、前景理论是由卡尼曼通过修正最大主观期望效用理论发展而来的。由该理论引申出以下四个基本结论，其中正确的是（）。A.大多数人在面临损失的时候是风险喜好的B.大多数人对得失的判断往往根据参考点决定C.大多数人对损失比对收益更加敏感D.大多数人在面临获利的时候是风险规避的【答案】ABCD12、我国商业银行附属资本包括（）。A.各项损失准备B.长期次级债券C.普通股溢价D.营业外收人【答案】AB13、目前保证网络交易安全性的技术主要有（）。A.防火墙B.信息加密C.认证与授权D.网络杀毒【答案】BC14、我国现行宪法规定，行使国家立法权的机关是（）。A.全国人民代表大会B.省人民代表大会C.国务院D.全
45、国人民代表大会常务委员会【答案】AD15、绩效管理是指运用科学的方法和标准对员工完成工作数量、质量、效率及员工行为模式等方面的综合评价。其目的有（）。A.检査和改进员工现有工作绩效B.是人员任用的依据C.是人员调配和服务升降的依据D.是人员培训的依据【答案】ABCD16、与其他商业银行相比，新成立的中国邮政储蓄银行的特征有（）。A.以零售和中间业务为主B.为广大农村地区居民提供基础金融服务C.存款和贷款总额最髙D.与其他商业银行之间为互补关系【答案】ABD17、对银行业金融机构的重组方案的实施的方式有（）。A.合并B.兼并收购C.购买D.承接【答案】ABCD18、解放前，在解放区政府引导以及解
46、放区银行的支持下，建立起多种形式的信用合作组织，主要形式为（）。A.信用部B.信用合作社C.互助合作社D.低利信贷所和村镇银行【答案】ABC19、商业性金融机构与政策性金融机构在业务上的关系有（）。A.交叉B.依赖C.互补D.并存【答案】CD20、贷款业务的创新主要反映在（）。A.农业贷款B.消费者信贷C.住宅贷款D.一次性偿还贷款E.科技贷款【答案】BC大题（共大题（共 1010 题）题）一、2007 年 7 月 1 日，人民法院裁定受理债务人甲公司的破产申请，并指定某律师事事务所担任破产管理人。(1)破产案件的诉讼费用为 100 万元，管理、变价和分配债务人财产的费用为 20 万元管理人的
47、报酬为 30 万元。(2)甲、乙公司签订了 200 万元的买卖合同，人民法院受理破产申请时，双方均未履行。管理人请求乙公司继续履行合同，乙公司依约发货。(3)2007 年 5 月，甲公司财产遗失，无因管理人王某要求甲公司支付必要的费用 10 万元。2007 年 7 月1013，甲公司财产再次遗失，无因管理人张某要求甲公司支付必要的费用 20 万元。(4)人民法院受理破产申请后，管理人决定甲公司继续营业，应支付的劳动报酬和社会保险费用合计 180 万元。要求：根据破产法律制度的规定，分别回答下列问题：(1)破产费用合计为多少万元?(2)共益债务合计为多少万元?(3)如果债务人财产只有 200 万
48、元，乙公司可以获得清偿多少万元?【答案】(1)破产费用合计为 150 万元。(2)共益债务合计为 400 万元。因管理人请求对方当事人履行双方均未履行完毕的合同所产生的债务 200 万元属于共益债务。债务人财产因无因管理所产生的债务 20 万元属于共益债务。应注意的是，在人民法院受理破产申请之前，无因管理人的费用偿还权只能作为破产债权受偿。因此王某的 10 万元费用偿还权只能作为破产债权受偿，不属于共益债务。债务人为继续营业而应支付的劳动报酬和社会保险费用以及由此产生的其他债务 180 万元属于共益债务。(3)乙公司可以获得清偿的金额为 25 万元。债务人财产不足以清偿所有破产费用和共益债务的
49、，先行清偿破产费用。因此。债务人财产 200 万元先行清偿破产费用 150 万元，剩下的 50 万元再清偿共益债务；债务人财产不足以清偿所有破产费用或者共益债务的，按照比例清偿。因此，乙公司可以得到清偿的金额：50200400=25 万元。二、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
50、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