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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全真模年银行招聘之银行招聘综合知识全真模拟考试试卷拟考试试卷 A A 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、承担支持进出口贸易融资任务的政策性银行是（）。A.国家开发银行B.中国农业发展银行C.中国进出口银行D.中国银行【答案】C2、资料：Most young people enjoy some form of physical activity.Itmay be walking,cycling or swimming,or in winter,skating or skiing.It may be a game
2、 of some forms,football,hockey,golf,or tennis.Itmay be mountaineering.A.natureB.each otherC.other teamsD.international standards【答案】A3、资料：It is September of 1998,Im sitting in a windowless officeroom inside the Office of the Independent Counsel underneath hummingfluorescent lights.Im listening to th
3、e sound of my voice onsurreptitiously taped phone calls that a supposed friend had made theyear before.For the past eight months,the mysterious content ofthese tapes has hung like the Sword of Damocles over my head.A fewdays later,the Star Report is released to Congress,and all of thosetapes and tra
4、nscripts,those stolen words,form a part of it.Thatpeople can read the transcripts is horrific enough,but a few weekslater,the audio tapes are aired on TV,and significant portions madeavailable online.The pubic humiliation was excruciating.(1)A.The environment in which the technology enhances shaming
5、B.The humiliation that is more intensely felt than it should beC.The price we have to pay as the victims of mistakesD.The impact of peoples suicide on families and the society【答案】A4、An in-depth understanding of this emerging phenomenon requires notjust the consideration of quantitative studies,but t
6、he_ofselected quantitative,qualitative and mixed-method study designs.A.collectB.poolingC.poolD.poll【答案】C5、根据中华人民共和国行政处罚法的规定，对于违法行为轻微并及时纠正，没有造成危害后果的当事人，应当（）。A.从轻处罚B.减轻处罚C.免予处罚D.从重处罚【答案】C6、在下列沟通形态中，组织成员满足感最高的沟通形态是（）。A.链式B.轮式C.Y 式D.全通道式【答案】D7、资料：Why is Salt Bad for You?A.salt consumption leads to a st
7、rokeB.sodium excreted in urine is a measure of salt intakeC.an increase in blood pressure causes an increase in saltconsumptionD.the higher the sodium in urine,the greater the chance ofhypertension【答案】D8、以下属于资本市场金融工具的是（）。A.商业票据B.回购协议C.股票D.可转让定期存单【答案】C9、不属于反映企业财务状况的会计要素是（）。A.资产B.收入C.所有者权益D.负债【答案】B10、
8、Passage 7A.No particular reasonsB.For a better reputationC.For the social equalityD.As the law said【答案】C11、The Oliveira Dining Guide,an online directory of restaurants,is_ by cuisine type,price range and location.A.searchB.searchableC.searchesD.searcher【答案】B12、Dorothy was always speaking highly of h
9、er role in the play,_，ofcourse,madethe others unhappy.A.whoB.whichC.thisD.what【答案】B13、资料：Rahul Chadha,co-chief investment officer for Hong Kong-based Mirae Asset Global Investments,has a few charts he isparticularly fond of when it comes to telling a story about investingin China.A.The work force in
10、 China has increased in past ten yearsB.internet firms benefit a lot from the income growthC.The Chinese government is improving the social welfare for peopleD.the per capita income in China is expected to$12,500 in eightyears【答案】A14、Passage3A.the rules for dinner time are not strictB.dinner is alwa
11、ys at six in the eveningC.a family offers food only at four in the afternoonD.people usually invite their guests to dinner later in the evening【答案】A15、中国人民银行在（）领导下依法独立执行货币政策，履行职责，开展业务。A.全国人民代表大会B.全国人民代表大会常务委员会C.中国银行保险监督管理委员会D.国务院【答案】D16、Airlines are already increasing their price on the_that fuelpri
12、ces are going to rise.A.consumptionB.destructionC.assumptionD.presumption【答案】C17、Its standard practice for a company like this one（）asecurity officer.A.employedB.being employedC.to employD.employs【答案】C18、The property will be shown by_only in an effort to separatethe fans from the serious buyers，beca
13、use the current owners arelooking for buyers who want to keep the house intact。A.interestB.interviewC.applicationD.appointment【答案】C19、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was
14、 nearly impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for admission（录取）to medical schools,she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.Sh
15、e decided to further her education in ParisB.serious eye problem shopped herC.She couldnt get admitted to medical schoolD.It was difficult for her to start a practice in the United States【答案】B20、The river is already _its banks because of the excessiverainfall;and the city is threatened with a likely
16、 flood.A.parallel toB.level inC.flat onD.flush with【答案】D21、根据我国劳动合同法的规定，下列各项中不属于劳动合同必备条款的是（）。A.劳动合同的期限B.工作内容和工作地点C.社会保险D.违约金【答案】D22、资料：Native ads-or ads that take on the look and feel of thecontent surrounding them-are taking over digital advertising.A.An overall native forecastB.Ad frequency and sc
17、alability issuesC.The forecasts for how revenues from these formats will grow overthe next five yearsD.The illustrations of what factors are driving up spending on eachof these ad units【答案】A23、与消费物价变动密切相关，最活跃的货币是（）。A.M1B.M2C.M0D.M【答案】C24、下列行业中最接近于完全竞争模式的是（）。A.飞机制造业B.烟草业C.日用小商品制造业D.汽车制造业【答案】C25、资料：El
18、izabeth Blackwell was born in England in 1821,and movedto New York City when she was ten years old.One day she decided thatshe wanted to become a doctor.That was nearly impossible for a womanin the middle of the nineteenth century.After writing many lettersasking for admission（录取）to medical schools,
19、she was finallyaccepted by a doctor in Philadelphia.She was so determined that shetaught school and gave music lessons to get money for the cost ofschooling.A.was the first woman doctorB.and several other women founded the first hospital for womenchildrenC.became the first woman physicianD.set up th
20、e first medical school for women【答案】A26、物体的惯性大小取决于（）A.物体的运动速度B.物体的质量C.物体的加速度D.物体受到的合力【答案】B27、资料：Economic performance is improving in most of the worldsleading economies but is still short of a self-sustaining upswing,the Organization for Economic Cooperation and Development said onWednesday.A.The Ru
21、ssias 2017 economic growth forecast has been revised higherB.The leading economies have achieved sustainable long-term growthC.The OECD is not optimistic about Chinas economic growthD.Indias economic growth forecast have been upgraded【答案】A28、向最终消费者直接销售产品和服务，用于个人及非商业性用途的活动属于（）。A.零售B.批发C.代理D.直销【答案】A29
22、、投资一笔国债，5 年期，平价发行，票面利率为 12.22%，单利计息，到期一次还本付息，则该债券的到期收益率是（）。A.9%B.11%C.10%D.12%【答案】C30、根据我国法律规定，对于两个以上的申请人分别就同样的发明创造申请专利的，实行的原 则为（）。A.使用在先B.完成在先C.申请在先D.按照本人的技术职称高低【答案】C31、下列销售预测方法中，属于定性分析法的是（）。A.指数平滑法B.加权平均法C.德尔菲法D.回归直线法【答案】C32、唐玄宗在位期间，出现了繁荣景象，这是我国古代史的哪次盛世？（)A.文景盛世B.永宣盛世C.开元盛世D.康乾盛世【答案】C33、Passage 2A
23、.Its statistics look embarrassingB.It is invalid in terms of methodologyC.It deserves our closest attentionD.Its conclusion is purposely exaggerated【答案】B34、资料：Poor health is not only damaging to employees,it isdetrimental to businesses.Corporations pay a heavy cost for stress-related illnesses,such
24、as hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.build motivation and a support systemB.encourage breaks to do exerciseC.build a kitchen so that the employers could make healthy mealsD.All above【答案】D35、资料：When a consumer finds that an item she or he bought isfaulty or in so
25、me 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.In most cases，this action will produce results.However，if it does not，thereare various means the consumer may use to gain satisfaction A si
26、mpleand 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 expect 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 polite
27、lyB.Threaten to take further measuresC.Complain in a rude wayD.Report it to the management of the company【答案】B36、资料：Talk about Christmas in July.Carrie Rocha has alreadystarted her holiday shopping.“A few weeks back I picked up a$60toy for$4,and,truth be told,I picked up a whole lot more thanthat,”s
28、he wrote in an email.“I spent about$80 total and got$350+in toys.”A.Because the toys were on sale in most storesB.Because she was preparing the gifts for ChristmasC.Because the holiday season is comingD.Because she loves to give out toys as gifts【答案】A37、The mobility of cell phones means you can be a
29、nywhere and havethe_or should I say the convenience,of a phone.A.mustB.accompanimentC.conclusionD.necessity【答案】D38、错账的更正方法不包括（）。A.蓝字更正法B.红字更正法C.补充登记法D.划线更正法【答案】A39、彼得德鲁克认为：“领导者的唯一定义就是其后面的追随者。一些人是思想家，一些人是预言家，这些人都很重要，而且也急需；但是没有追随者，就不会有领导者。”这句话说明（）。A.领导的实质是组织成员的追随与服从B.领导者需要权力C.追随者比领导者更重要D.领导只有一个定义，其余的定
30、义是错误的【答案】A40、资料：Human resource professionals act as mediators between anorganizations management and its workers.This 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 admi
31、nistered properly.At the same time，HR is charged with recruiting new employees who will not only fit inpersonally and professionally but also help the company achieve itsbusiness goals.They also represent management when negotiating forbenefits with companies administering these benefits and whenimp
32、lementing companywide policies that will ultimately lower costs orboost profits.The needs of HR cover a wide range of tasks and，therefore，require individuals who are good with people in additionto being organized，analytical，business-minded，and heroicmultitaskers.A.Because the economy as a whole is g
33、rowing nowadaysB.Because job opportunities in HR grow faster than the averageC.Because transferred or retired workers need to be replaced in timeD.Because companies begin to recruit HR functions from the outside【答案】A41、观察数列的变化规律，然后为空缺处选出正确的数:4、15、18、31、36、51、（）。A.34B.22C.49D.58【答案】D42、资料：Seeking to
34、end a stalemate in negotiations over hercountrys withdrawal from the European Union,Prime Minister TheresaMay of Britain offered Friday substantial payments to the bloc duringa two-year transition period immediately after the countrys exit.A.Thereas Mays makes financial commitment to EU for the tran
35、sitionperiodB.Britain insists on leaving EU without any agreementC.EU wont talk to Britain unless Britain makes concessionsD.Thereas May seeks to unlock Brexit talks in her speech【答案】D43、资料：Economic performance is improving in most of the worldsleading economies but is still short of a self-sustaini
36、ng upswing,the Organization for Economic Cooperation and Development said onWednesday.A.RussianB.UKC.BrazilD.US【答案】B44、2 月 7 日，国务院反垄断委员会制定发布平台经济领域反垄断指南，强调（）及配套法规规章适用于所有行业。A.反垄断法B.反经济垄断法C.所有行业反垄断法D.反垄断法（试行）【答案】A45、资料：The personal computer was a revolution in informationtechnology that spawned a$50 bi
37、llion hardware business,with another$30 billion in software and peripherals（eg.mouse,keyboard,printer,etc.）by 1991.During its short 15 years,the industryevolved through three successive periods.During its first 5 to 6years,it was characterized by explosive growth and multiple,smallcompetitors vying
38、for a piece of the market.From 1981 to 1985,theindustry became a battle for standards and retail shelf space.Thethird era was one of increasing fragmentation.From 1986 through1991-1992,new manufacturers from around the world grabbed from theindustry leaders as new channels of distribution emerged an
39、d productinnovation as well as revenue growth slowed.A.The small companies experienced a harsh lifeB.People preferred PCs of big brandsC.The big companies didnt earn as much as they did in the past twoperiodsD.The companies made standards on the configuration【答案】C46、Passage 2A.Modern technology is w
40、hat we cant live withoutB.Digital technology often falls short of our expectationC.gital devices are more reliable than they used to beD.GPS error is not the only cause for Ceelys accident【答案】B47、He felt so cold that he kept trembling（）unable to endure itany more.A.as forB.as wellC.as ifD.as long as
41、【答案】C48、资料：The poverty line is the minimum income that people needfor an acceptable standard of living.People with incomes below thepoverty line are considered poor.Economists study the causes ofpoverty in order to find solutions to the problem.A.ConfidenceB.AbilityC.DiligenceD.Willpowe【答案】D49、利率是（）
42、的价格。A.货币资本B.借贷资本C.外来资本D.银行资本【答案】B50、从（）起北美自由贸易区开始运转。A.1998 年 5 月 1 日B.1989 年 1 月 1 日C.1992 年 12 月 7 日D.1994 年 1 月 1 日【答案】D多选题（共多选题（共 2020 题）题）1、计算机主机由（）构成。A.CPUB.外存C.内存D.光驱【答案】AC2、2019 年中央经济工作会议对当前经济态势的判断正确的有（）。A.当前经济运行稳中有变、变中有忧B.外部环境复杂严峻，经济面临下行压力C.我国发展即将进入重要战略机遇期D.世界面临百年未有之大变局，变局中危和机同生并存，这给中华民族伟大复兴
43、带来重大机遇【答案】ABD3、为防止金融泡沫，必须通过有效的（）来控制金融机构的经营风险。A.外部监管B.内部自律C.行业互律D.社会公德E.个人反省【答案】ABCD4、下列属于哺乳动物的是（）。A.蝙蝠B.鲸C.蜂鸟D.海豹【答案】ABD5、中央银行增加货币供应量时，采取的下列政策中正确的有()。A.公开市场买人证券B.降低法定存款准备金率C.提高再贴现率D.降低再贷款利率【答案】ABD6、采用追溯调整法，需要做的工作有（）。A.在会计政策变更的当年采用新的会计政策B.在会计政策变更以后的年度采用新的会计政策C.计算变更当期期初的会计政策变更累积影响数D.重编以前年度的财务报表【答案】ABC
44、D7、下列说法中正确的是（）。A.私人物品的市场需求曲线是个人需求曲线的水平方向求和B.公共物品的市场需求曲线是个人需求曲线的纵向求和C.公共物品的市场需求曲线表明在一定价格下的市场需求是该价格下每个消费者需求 数量的和D.私人物品的市场需求曲线表明市场为一定数量的公共物品支付的货币量是市场上每 个消费者为这些公共物品支付的货币量之和【答案】AB8、与债券筹资相比，属于股票筹资优点的有（）。A.筹资审批环节少B.降低公司财务风险C.降低公司资本成本D.增强公司信誉，提高筹资能力【答案】ABD9、2005 年，我国公布的规范企业在银行间债券市场向合格机构投资者发行短期融资券的 法规有（）。A.证
45、券法B.银行法C.企业短期融资管理办法D.短期融资券承销章程【答案】CD10、以下（）属于差别定价。A.公园票对某些社会成员给予优惠B.打长途电话，白天和夜间的价格不同C.口剧院里不同位置的座位票价不同D.工作用电和生活用电的价格不同【答案】ABD11、下列各项中，符合资产定义的有（）A.发出商品B.尚待加工的半成品C.受托代销商品D.融资租人的固定资产【答案】ABD12、商业银行发放贷款必须做到以下（）所述内容。A.借款人必须提供担保B.必须订立书面借款合同C.必须在中国人民银行规定的利率幅度内确定贷款利率D.期限不能超过 10 年【答案】BC13、货币市场具有（）的特点。A.偿还期短B.流
46、动性强C.收益率高D.风险小【答案】ABD14、下列行为中，容易导致终端损坏的有（）。A.关掉电源后马上再开B.电源严格按照规定标准C.不注意防尘D.市电有小幅度波动【答案】AC15、在发行市场中，作为经营者，承担政府和公司企业新发行债券的承购、分销业务的是（）。A.商业银行B.投资银行C.经纪人D.证券商【答案】BCD16、下列项目中，属于流动资产的有（）。A.无形资产B.预付账款C.应收账款D.应收票据【答案】BCD17、假设甲企业是通过划拨方式取得的国有土地使用权，并在这一土地上建设了一栋办公楼，现将这座大楼抵押给银行，同时出租给乙企业，下列说法正确的有（）。A.房屋租赁合同无效，甲企业
47、应当先补缴土地使用权出让金，已取得的租金予以没收B.房屋租赁合同有效，已取得的租金归甲企业，但甲企业应将租金中所含的土地收益上缴国家C.划拨取得的土地使用权不能单独设立抵押，土地上有房产的，可以抵押房产，房产所占的土地使用权一同抵押D.抵押合同有效，银行拍卖房产时，应从拍卖的价款中缴纳土地使用权出让金的价款【答案】BCD18、审计的准备阶段是整个审计过程的起点，其工作主要包括（）。A.了解被审计单位的基本情况B.签订审计业务约定书C.初步评价被审计单位的内部控制D.分析审计风险【答案】ABCD19、中央银行增加货币供应量时，采取的下列政策中错误的有（）。A.公开市场卖出证券B.降低法定存款准备
48、金率C.提高再贴现率D.降低再贷款利率【答案】AC20、商业银行交易类中间业务主要包括（）。A.远期外汇合约B.金融期货C.互换D.期权E.回购协议【答案】ABCD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
49、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极性。因为，进 13 处理废 113 电
50、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)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