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1、河北省河北省 20232023 年银行招聘之银行招聘综合知识题库综年银行招聘之银行招聘综合知识题库综合试卷合试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、下列哪一职位，不属于国务院的组成人员？（）A.国务院副总理B.国务委员C.国务院副秘书长D.审计长【答案】C2、随着行业营销费用的增加，刺激消费的力度加大，市场需求一般会随之增大，但当营销费用超过一定水平后，就不能进一步促进需求，市场需求达到极限值，这个极限值被叫做（）。A.市场需求B.企业需求C.市场潜量D.市场最低【答案】C3、各国征收反倾销税的目的在于（）。A.抵制商品倾销，保护本国的市场与工业B.防止本国商
2、品不顾成本到国外倾销C.保护本国出口商的利益D.保护本国进口商的利益【答案】A4、We have launched a campaign called Together Science Can，whichbrings together people from absolutely around the world to_forthose things that we care about。A.stand byB.stand upC.stand onD.stand against【答案】B5、The Internet is extensively utilized by studentsfor_
3、information to undertake their course-related tasks andassignments.A.maintainingB.evaluatingC.retainingD.retrieving【答案】D6、资料：The business announced that revenues had grown by 10.2percent year-on-year to RMB 18.264 billion（$2.748billion）.However,profit fell to RMB 2.866 billion（$431.3 billion）,a 17.4
4、 percentdecrease from the same period in 2015.A.SubjectiveB.CriticalC.UnbiasedD.Supportive【答案】C7、Chinese Internet users tend to use more proper and skillful searchmeans for locating keywords and handling search engines than theirJapanese_.A.counterpartsB.friendsC.pioneersD.classmates【答案】A8、资料：Specia
5、l needs students can not only learn from regulareducation teachers,but can participate in collaborative learningwith mainstream students as well.Collaborative learning allowsstudents to work together in groups to complete lessons andassignments.A.It is desired for students with special needsB.It is
6、tutored by regular teachers for mainstream studentsC.It is planned for collaborative learning by mainstream studentsD.It has students with special needs and regular education classmates【答案】D9、资料：The soybean prices ended higher this Monday as tradersexpect supplies to remain tight.A.Its not worth not
7、icingB.It will rise 15 percentC.Its still uncertainD.It will be razor-thin【答案】D10、银行的活期存款人通知银行在其存款额度内无条件支付一定金额给持票人的书面凭证是（）。A.支票B.汇票C.本票D.存单【答案】A11、资料：From:Iris WuA.To notify him of a conference dateB.To ask him to share his marketing ideasC.To approve his international business tripD.To request that
8、 he organize a telephone meeting【答案】D12、The students failed to meet the necessary（）for admission tothe course.A.fulfillmentB.requirementsC.qualitiesD.competency【答案】B13、2019 年 8 月 8 日，中国银行在北京举行共建“5G 联合创新应用实验室”框架协议签约仪式,与（）共同成立 5G 联合创新应用实验室。根据协议，双方将开展面向 5G 的业务创新和场景创新，在创新通信、智慧网点、数字金融、数据智能、物联网金融等业务领域加强合作
9、。A.中国移动B.中国电信C.中国联通D.广电总局【答案】B14、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】C15、If we had followed his plan,we would have done the job with（）money and（）people.A.fewer,les
10、sB.less,lessC.less,fewerD.fewer,fewer【答案】C16、Theres an_food shortage and many farmers will miss thewinter cropping season.A.enormousB.immenseC.acuteD.urgent【答案】C17、在我国，随着经济发展和改革的深入，“短缺经济”转变为“过剩经济”，投资消费需求膨胀一度转变为投资消费需求不足。1997 年下半年，我国零售物价指数开始全面持续下跌，存在“通货紧缩趋势”。为此中国人民银行采取了一系列货币政策措施予以应对。A.不动产信用控制B.窗口指导C.道
11、义劝告D.直接干预【答案】C18、Passage 2A.Global temperatures affect the rate of economic developmentB.Rates of death from illnesses have risen due to global warmingC.Malnutrition has caused serious health problems in poor countriesD.onomic trends have to do with population and natural disasters【答案】B19、会计账簿暂由本单位财
12、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管。A.1 年B.3 年C.5 年D.10 年【答案】A20、（）与资产业务、负债业务一起构成商业银行的三大业务。A.中间业务B.现金业务C.证券投资业务D.贷款业务【答案】A21、Maltreated infants and young children are substantially morelikely than older maltreated children to be seriously harmed orkilled as a result of_or neglect。A.abandonB.misus
13、eC.abuseD.curse【答案】A22、经济成本和经济利润具有以下特征（）。A.前者比会计成本小，后者比会计利润大B.两者都比相应的会计成本和会计利润大C.前者比会计成本大，后者比会计利润小D.两者都比相应的会计成本和会计利润小【答案】C23、资料：A new Chinese-led international development bank announcedits first four loans on Saturday,pledging to lend$509 million forprojects to spread electric power in rural Bangla
14、desh,upgrade livingconditions in slums in Indonesia,and improve roads in Pakistan andTajikistan.At the first of the annual general meetings of ininstitution,the Asian Infrastructure Investment Bank,the bankspresident,Jin Liqun,said the projects were financially sound andenvironmentally friendly and
15、had been accepted by the people in theproject areas.A.Britains exit from European Union will have an impact on itsmembership in the bankB.United States and Japan will join the Asian InfrastructureInvestment Bank soonC.More countries are interested in the membership in the bankD.Germany and France wi
16、ll join the bank soon【答案】C24、Action Aid also accuses British Foods _ using its branchcompanies to reduce its taxes in Africa by millions of dollars.A.inB.ofC.forD.to【答案】B25、保险合同是投保人与保险人约定保险权利义务关系的协议，是一种（）。A.民事合同B.刑事合同C.不具有法律关系的民事合同D.不能转让的合同【答案】A26、资料：Placing the right type of workers in close proxim
17、ity 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 2，000 employees,this
18、 translates into an additional$1 million in profit each year，the study said.A.The reason for better performancesB.The impact of seating employees close to each otherC.The findings of seating different categories of peopleD.All above【答案】C27、为刺激经济复苏，美国将把接近于零的联邦基金利率延续到（）年底。A.2014B.2015C.2016D.2017【答案】A
19、28、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】C29、资料：From Coins to Credit Banking Throughout the Ages is aconcise history of banks and
20、 the banking industry from ancient timesto the present.James Gallagher,who has made a career of coveringfinancial news for several newspapers,has done a careful job ofinvestigating his subject.Although he presents the facts carefully,Mr.Gallagher has made what could have been a dry book into one tha
21、tis interesting and enjoyable.By telling amusing anecdotes abouthistorical figures,he makes them come alive.Even people who are notparticularly attracted to the subject matter will find this bookengrossing.A.BankerB.LibrarianC.JournalistD.Publisher【答案】C30、金融市场最基本的功能是（）。A.合理地分配和引导资金B.灵活地调度和转化资金C.有效地实
22、施宏观调控D.满足社会再生产过程中的投融资需求，促进资本的集中与转化【答案】D31、对实际现金流进行折算时，使用（）。A.名义利率B.税前利率C.通胀率D.实际利率【答案】D32、资料：Global business travel topped$1.2 trillion and is expectedto reach$1.6 trillion by 2020,according to new research by theGlobal Business Travel Association（GBTA）,an associationrepresenting the interests of co
23、rporate 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 era is finally coming for travelling industryC.Businessmen are becoming more and mor
24、e generous on global businesstripD.Traditional travel agency is about to fade away【答案】A33、资料：Gone are the days of“one-size-fits-all”employeebenefits programs and here come newly designed and fully customizedvoluntary benefits.Voluntary benefits are on longer looked at asjust a few“extras”,and are no
25、w becoming part of a comprehensivebenefits package.Lots take a look at how voluntary benefits havebecome more customized to meet the requirements of a more particularhealth care consumer.A.Voluntary Employee Benefits surpasses the traditional healthbenefitB.Voluntary Employee Benefits are becoming m
26、ore customizedC.The Advantages of Offering Voluntary Employee BenefitsD.Voluntary Employee Benefits and health care consumers【答案】B34、资料：We all know that lack of sleep affects our memory alongwith other cognitive abilities.Sitting in the office sleep deprivesits difficult to remember your own name,le
27、t along the ever-lengthening to-do list.A.Creation of false memoriesB.Memory deprivationC.Crime being createdD.Different details shown【答案】A35、资料：American Airlines CEO takes blame for maintenance errors,disrupted flightsA.570 airplanesB.930 different planesC.300 MD-80sD.3000 flights【答案】C36、资料：The hop
28、 flower has been used in beer-making at least sincethe eighth century.Traditionally it was a preservative,but it alsoimparts flavor.To some,the taste is bitter and unpalatable,andthus many brewers use only minimal amounts.But,depending on variety,growing conditions,and other factors,hops can impart
29、a range offlavors that connoisseurs say rivals that of wine grapes.Starting inthe nineteen-seventies,small brewers on the West Coast begandramatically upping the amount of hops in their brews.One of theirmost popular products was the India pale ale,or L.P.A.,a brew thathas been around since the late
30、 eighteenth century.The story goesthat necessity drove the British to add large quantities of hops inorder to preserve the beer they shipped to India,to quench thethirst of the Sahibs managing the Empire there.A.The British produced large quantities of beerB.The British found one of the most popular
31、 products called the Indiapale ale,or I.P.AC.The British made Hop flower a necessity and shipped it in largequantities to IndiaD.The British added more hop flower in beer【答案】D37、The earliest telephones required a different pair of wires foreach phone _ you wished to connect.A.thatB.whichC.whereD.to
32、which【答案】D38、截至 2011 年末，我国境内股市已经成为全球第（）大市场。A.二B.三C.四D.五【答案】B39、资料：Good listening is much more than being silent while theother person talks.To the contrary,people perceive the bestlisteners to be those who periodically ask questions that promotediscovery and insight.These questions gently challenge
33、oldassumptions,but do so in a constructive way.Sitting there silentlynodding does not provide sure evidence that a person is listening,but asking a good question tells the speaker the listener has notonly heard what was said,but that they comprehended it well enoughto want additional information.Goo
34、d listening was consistently seenas a two-way 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 theconversationB.If you give critical opinions,the speaker will be less confidentC.Good listen
35、ers should agree with the speakerD.If the speaker creates a comfortable environment,listeners willbecome confident【答案】B40、Passage 3A.Needless material is mostly recycledB.Fighting wastefulness is difficultC.People like collecting recyclable wastesD.The author is proud of their consumer culture【答案】B4
36、1、一次化妆舞会中，男士戴着蓝色的帽子，女士戴着红色的帽子。每个男士看见的蓝色帽子比红色帽子的 2 倍还多 6 个，每位女士看见的蓝色帽子是所见红色帽子的 3 倍。那么房间里一共有（）人。A.37B.27C.39D.29【答案】A42、股票是（）。A.可以随时收回的股金凭证B.投资入股和按期获得股息收入的凭证C.一般贷款取得利息的凭证D.没有价值不能买卖的无价证券【答案】B43、下列各项中，既包含在 M0 中，又包含在 M1 中的是（）。A.流通中的现金B.农村存款C.企业单位活期存款D.城乡居民储蓄存款【答案】A44、Henry found it difficult to get his B
37、ritish jokes（）toChinese audience.A.acrossB.dealC.overD.down【答案】A45、下列不属于禁止债权转让的情形的是（）。A.根据合同性质不得转让B.依照法律规定不得转让C.按照当事人约定不得转让D.依照债权人要求不得转让【答案】D46、商鞅变法的措施中对秦国建立中央集权制度影响最大的是（）。A.废井田、开阡陌B.废除特权C.奖励耕战D.建立县制【答案】D47、It is not rare in（）that people in（）fifties are goingto the university for further education.A
38、.90s;theB.the 90s;/C.90s;theirD.the 90s;their【答案】D48、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 ban
39、ks whichreceive their charter from the 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 U
40、SA refers to“State Banks”B.The group banking 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 authorize
41、d by the state law【答案】A49、2020 年 4 月，2020 年（）综合所得汇算清澈在各地陆续启动，这是中国（）史上首次汇算清缴，纳税人在指定日期前完成汇算申报，继而缴纳补税或申请退税。A.个税，个税B.营业税，营业税C.房产税，房产税D.消费税，消费税【答案】A50、用支出法核算 GDP 正确的公式是（）。A.GDP=消费支出投资政府购买（出口-进口）B.GDP=消费支出投资政府购买（出口-进口）转移支付C.GDP=工资利息利润租金间接税和企业转移支付折旧D.GDP=工资利息利润租金直接税和企业转移支付折旧【答案】A多选题（共多选题（共 2020 题）题）1、支票的种类
42、包括（）。A.现金支票B.转账支票C.划线支票D.普通支票【答案】ABD2、关于中行社会责任和慈善活动，中国银行荣获（）奖项。A.最具社会责任感品牌B.最具社会责任金融机构奖C.社会责任最佳公益慈善贡献奖D.最具慈善行动力品牌【答案】BC3、以下各选项中，属于中央银行资产的包括（）。A.贴现及放款B.政府债券和财政借款C.外汇、黄金储备D.国库及公共机构存款【答案】ABC4、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】ABD5、西方商业银行的资产负债管理理论经历的主要阶段有（）。A.资产负债比例管理理论B.资产管理理论C.负债管理理论D.资产负债管理理论【答案】BCD
43、6、用支出法核算 GDP 包括（）。A.消费支出B.政府购买C.净出口D.固定投资支出【答案】ABCD7、大额可转让定期存单最早产生于美国。美国的Q 条例规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20 世纪 60 年代，美国市场利率上涨，高于Q 条例规 定的上限，资金从商业银行流人金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。A.结算业务的创新B.信托业务的创新C.自动化服务的创新D.现金管理业务的创新【答案】ABCD8、欧洲货币体系包括（）。A.创设欧洲货币单位B.建立稳定汇率机制C.扩大特别提款权的作用D.建立
44、国际货币基金组织E.建立欧洲货币合作基金【答案】AB9、甲公司是一家主营国内旅游的旅游公司，下列因素中属于影响甲公司的宏观环境因素的有（）。A.某旅游点发生重大地质灾害B.环境保护管理机关出台相关规定保护主要景区的环境C.甲公司所在国限制国人出境旅游D.国内失业率升高。居民消费趋于保守【答案】BCD10、下列各项中，属于管理费用核算内容的是（）。A.企业在筹建期间的注册登记费B.企业缴纳的矿产资源补偿费C.企业缴纳的排污费用D.业务招待费【答案】ABCD11、下列商品中，适宜选择较短渠道分销的有（）。A.机器设备B.日用百货C.新鲜农产品D.建筑材料【答案】ACD12、2010 年以后，各大商
45、业银行逐渐取消了住房贷款的优惠利率。北京、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】AC13、为缓解中小企业融资难的问题,某地方政府积极向金融机构推荐业绩优、成长好的小企 业,解决了金融机构向小企业贷款过程中的信息不对称问题，实现了银行与小企业的互利 双贏。这说明政府（）。A.为企业筹集资金、参与经营管理B.进行经济调节和公共服务C.树立了求真务实的工作作风D.便民利民、执政为民【答案】BC14、依照反不正当竞争法的规定，对公用企业的限制竞争行为，
46、应当由哪一级工商行政管理部门进行行政处罚?（）A.国家工商行政管理部门B.省级工商行政管理部门C.设区的市的工商行政管理部门D.县级工商行政管理部门【答案】BC15、存款类金融机构工作人员对前来查询单位存款的查询者遇到下列（）情况，有权拒绝。A.出示了合作证件B.出示了县级人民法院签发的“协助查询存款通知书”C.出示了“协助査询存款通知书”上未经金融机构有关负责人签字D.出示了市级中级人民法院签发的“协助查询存款通知书”【答案】AC16、商业银行办理储蓄业务的原则有（）。A.存款自愿B.取款自由C.利息商议原则D.审慎原则【答案】AB17、收文处理标志有（）。A.收文机关的名称B.收文编号C.
47、收文时间D.档号【答案】ABCD18、下列关于黄金分割线的论述，说法正确的是（）。A.黄金分割线的每个支撑位或压力位相对而言是固定的B.黄金分割线是水平的直线C.黄金分割线注重支撑线和压力线的价位D.黄金分割线注重达到支撑线和压力线价位的时间【答案】ABC19、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、中国某企业与新加坡某公司拟在中国组建一家具有法人资格的中外合作经营企业，双方草签了合同。合同约定的以下事项中，哪些是符合我国法律规定的?（）A.合作企业的注册资本是 100 万元，其中外方占 22%，
48、中方占 78%B.外方出资中包括一套价值 10 万元的设备，于合作企业取得营业执照后 3 个月内运抵企业所在地C.中方出资中的 30 万美元为现金，由中方向银行借贷，合作企业以设备提供担保D.合作企业头 5 年的利润分配，中外双方各按 50%比例进行分配【答案】BD大题（共大题（共 1010 题）题）一、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
49、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。二、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
50、于 1998年率先举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