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1、浙江省浙江省 20232023 年银行招聘之银行招聘综合知识题库附年银行招聘之银行招聘综合知识题库附答案（基础题）答案（基础题）单选题（共单选题（共 5050 题）题）1、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shamel）on a Friday and simply notcheck your email until you return the office during normal workinghours.A.Its shame if you
2、 check your email all the timeB.The employees are willing to leave work at the end day of theworkdayC.The employees are expected to answer emails although its notworking timeD.Work email is the essential part in workers daily life【答案】C2、美国宇航局利用一枚火箭在月球表面撞出直径大约 100 英尺的大洞，科学家通过测量，发 现了大约 25 加仑水蒸气以及水冰。这一
3、发现被美国时代周刊评选为 2009 年十大科学 发现之一。这说明（）。A.认识产生于实践的需要，反过来认识又推动了实践的发展B.认识工具延伸了人类的认识器官，促进了人类认识的发展C.实践锻炼和提高了人的认识能力D.实践能够把认识和客观事物加以对照【答案】B3、I（）in the library every night over the last three months.A.worksB.workedC.have been workingD.had been working【答案】C4、自然人甲、乙、丙共同出资设立了 A 公司。根据公司法，下列组织机构中必须设立的是（）。A.股东会B.董事会C
4、.职工代表大会D.监事会【答案】A5、王某整日游手好闲，为了达到骗取钱财的目的，便假装为一公司销售人员，骗取蓝玉棉花厂总经理的信任，签订了一份虚假经济合同。王某将骗取的棉花转卖，所得被其全部挥霍，据查该批棉花价值 7 万多元。王某的行为构成（）。A.投机倒把罪B.诈骗罪C.合同诈骗罪D.妨害社会管理秩序罪【答案】C6、最早建立存款保险制度的国家是（）。A.英国B.美国C.法国D.加拿大【答案】B7、资料：（二）A.the widows are pressured to lose their own namesB.the widows may be forced to leave their h
5、omesC.the widows have misunderstood the reverse mortgageD.the widows do not know what their long-desired things are【答案】B8、Well be very careful and keep what youve told us strictly（）。A.rigorousB.privateC.confidentialD.mysterious【答案】C9、资料：When a consumer finds that an item she or he bought isfaulty or
6、 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.In most cases，this action will produce results.However，if it does not，thereare various means the consumer may use to gain satisfactio
7、n 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 expect it to be settled.In sucha case，it is usually settled in the consumers favor，assuming heor she has a just claim.A.To ask for help
8、 from the shop assistantsB.To show the written promise by the companyC.To post it onlineD.To complain to the company【答案】B10、中华人民共和国土地改革法规定土地改革的根本目的是（）。A.废除封建剥削的土地制度B.实行农民的土地所有制C.解放农村生产力，为工业化开辟道路D.实行耕者有其田的土地制度【答案】C11、商业利润的来源是（）。A.生产过程在流通中继续所创造的价值B.产业工人创造的剩余价值C.流通中发生的价值增值D.流通领域中商品买和卖的差额【答案】B12、资料：The
9、data a bank has stored on its servers is more valuablethan the gold in its vaults.Banks enjoy a monopoly over data thathas helped them get away with poor services and fend off competitors.In Europe,at least,that is all about to change with a new set ofregulations,named PSD2.A.To keep clients data sa
10、feB.To close down the poor servicesC.To give up their data monopolyD.To disclose their sources of profits【答案】C13、资料：The hop 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,a
11、ndthus many brewers use only minimal amounts.But,depending on variety,growing conditions,and other factors,hops can impart 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
12、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 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
13、Sahibs managing the Empire there.A.Increase the amount of hop flower addedB.Find different varieties of hop flower and produce new flavorsC.Join Hopsteiner and other big hops companiesD.Change their labels frequently【答案】B14、三篮桃子共重 90 斤，如果从第一篮中取出 13 斤放入第二篮，从第二篮中取出 8 斤放入第三篮，从第三篮中取出 2 斤放入第一篮，这时三篮桃子的重量相
14、等，原来第二篮中有桃子（）斤。A.21B.23C.25D.27【答案】C15、紧缩性货币政策的运用会导致（）。A.减少货币供给量，降低利率B.增加货币供给量，提高利率C.减少货币供给量，提高利率D.增加货币供给量，降低利率【答案】C16、Passage 1A.forecasts on the emerging economy have changedB.the optimism of the IMF relies on its hopes for the rich worldC.the IMF believes GDP in Britain will grow by 2%D.IMFs fore
15、casts on the world economy are always perfect【答案】C17、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.It is a whole new technique Apple Inc.applied on iPhone X
16、B.It has started a revolution in computer-vision industryC.It has a problem of revocationD.It has embedded security mechanisms to secure the data on the phone【答案】B18、在单一客户授信限额管理中，商业银行对客户进行信用评级后，首要工作是确定客户的（）。A.最低债务承受额B.最高债务承受额C.平均债务承受额D.一般债务承受额【答案】B19、甲乙丙三人去买水果，甲购买 1 斤西瓜 3 斤苹果 7 斤梨共需要 31.6 元，乙购买 1 斤西
17、瓜 4 斤苹果 10 斤梨共需 36.2 元。那么，丙购买 1 斤西瓜 1 斤苹果1 斤梨共需要（）元。A.22.4B.24.2C.12.4D.14.2【答案】A20、Have you ever paid your kid for good grades？Have you driven toschool to_a forgotten assignment？Have you done a collegestudents laundry？A.drop offB.make upC.take overD.fill in【答案】B21、资料：The personal computer was a rev
18、olution in informationtechnology that spawned a$50 billion 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
19、explosive growth and multiple,smallcompetitors vying 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 theindust
20、ry leaders as new channels of distribution emerged and productinnovation as well as revenue growth slowed.A.Sharing applications between machinesB.Programming on the computerC.Writing contracts on the computerD.Buying keyboards and printers【答案】A22、资料：Its easy to trace the evolution of the automobile
21、.Atmost，were only talking about a few centuries of technologicaldevelopment，and most of 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.Morpholoical and genetic studies helped scien
22、tists to trace unknowncommon ancestor of chimps and humans existedB.Morphological and genetic studies determined exact species ofcommon ancestor of chimps and humans existedC.Genetic studies found hominid fossils to bridge the evolutionaryprogression from unknown common ancestor to modern humansD.Mo
23、rphological studies helped finding the famous East Africanfossils and set up an milestone in this field【答案】C23、债券与股票的共同点是（）。A.B.C.D.【答案】A24、完整的计算机系统由（）两大部分组成。A.应用软件和系统软件B.随机存储器和只读存储器C.硬件系统和软件系统D.中央处理器和外部设备【答案】C25、Meanwhile,you can collect special stickers that either open upsecrets or launch_powerfu
24、l attacks.A.devastatinglyB.consequentlyC.merelyD.surprisingly【答案】A26、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】C27、下列原始凭证中属于外来原始凭证的是（）。A.购货发票B.入库单C.提货单D.领料单【答案】A28、资料：The inc
25、reasing amount of personal information that can becollected by computer programs that track how people use Facebook hasbeen revealed by an extensive academic study.A.To show the importance of it in peoples lifeB.To support that people can collect information from FacebookC.To give an example of the
26、information predicted in the studyD.To illustrate the percentage of people with religious belief【答案】C29、下列选项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（）。A.科目日结单B.日计表C.总账D.余额表【答案】B30、资料：Gone are the days of“one-size-fits-all”employeebenefits programs and here come newly designed and fully customizedvoluntary bene
27、fits.Voluntary benefits are on longer looked at asjust a few“extras”,and are now 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.Long term financing to help empl
28、oyeesB.Employee purchase programs and discount cardsC.Pay off college loansD.Budgeting software and company matched savings plans【答案】A31、Passage 3A.they think it academically misleadingB.they have a lot of fun to expect in collegeC.it feels strange to do differently from othersD.it seems worthless t
29、o take off-campus courses【答案】C32、甲乙在银行存款共 9600 元，如果两人取走各自存款的 40%，然后甲再从存款中转账 120 元给乙，这时两人存款数相等。那么甲的原存款为多少元？A.3500B.3900C.4200D.5000【答案】D33、Passage 3A.Relieve stressB.Nothing specialC.Bring financial impactsD.Both A and C【答案】D34、资料：Tencent Holdings Ltd has announced that it will fully openup its big d
30、ata platform and machine learning technology in a move tobuild a sharing economy based on 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 clou
31、d services as a separate businessB.Smaller companies fail to build their own data centerC.Cloud services slightly increased the operating costsD.Cloud technology is widely used in every Chinese enterprise【答案】B35、下列各项，不影响企业利润表中“营业利润”的项目有（）。A.主营业务收入B.营业外收入C.投资收益D.资产减值损失【答案】B36、多路复用技术通常分为时分多路复用、（）和波分多路
32、复用。A.村分多路复用B.频分多路复用C.幅分多路复用D.空分多路复用【答案】B37、2020 年 4 月 28 日电，中国证监会已经派驻调查组进驻瑞幸咖啡多日，这是证券法修改之后证监会首次实施（）的案件，意味着我国证券执法进入了新的历史阶段，开启了证券监管新时代。A.事后监管权B.境外管理权C.冻结查封权D.长臂管辖权【答案】D38、有价证券特别是债券的票面利率随着期限的增加的提高是因为（）。A.长期证券流动性差，风险相对较大B.长期证券流动性差，风险相对较小C.长期证券流动性强，风险相对较大D.长期证券流动性强，风险相对较小【答案】A39、Early Americans simply di
33、d not sport hunt in those days.It ishard to make a sport _ something you did every day.A.intoB.out ofC.byD.with【答案】B40、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
34、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.主要B.重要C.次要D.核心【答案】D41、That car is my property;you _ use it without my permission.A.needntB.might notC.may notD.mustnt【答案】D42、不属于商业银行经济资本管理内容的是（）。A.经济资本的计量B.经济资本的分配C.经济资本的评价D.经济资本的测算【答案】D43、资料：Elizabeth Blackwell was born in England in 1821,and movedto New York City when
35、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,she was finallyaccepted by a doctor in Philadelphia.She was so determined tha
36、t 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 the first medical school for women【答案】A44、Passage 5A.The possibility of governm
37、ent support for such a taskB.The need to explore UtahC.The need to connect the east coast with the westD.The need to develop the railroad industry in the west【答案】C45、下列说法错误的是（）。A.高性能结构材料属于新材料领域B.航空空间技术属于高新技术领域C.太阳能是可再生能源D.电能是一次能源【答案】D46、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】B47
38、、甲乙两人相约同时从 AB 两地相向而行，10 个小时后相遇。但实际上甲先从 A 地出发，2 个小时后乙才出发，乙出发 60 分钟后，双方之间的距离是两人走过的距离的三倍。已知甲比乙每小时多走 10 公里，则 AB 两地之间的距离是多少公里？（）A.200B.100C.250D.150【答案】A48、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 Co
39、mpositionB.Expositive CompositionC.Narrative CompositionD.Argumentative Composition【答案】B49、_Newton started to do experiments，he forgot about the time.A.IfB.AsC.OnceD.When【答案】C50、某班有 50 人，其中有 42 人会打乒乓球，40 人会打篮球，38 人会打排球，35 人会打羽毛球，则这个班至少有多少人这四项球类都会打？（）A.2B.3C.4D.5【答案】D多选题（共多选题（共 2020 题）题）1、1999 年以来，为适
40、应我国农业和农村经济发展新阶段的需要，农村信用社积极开展金融创新，主要创新形式有（）。A.农户小额信用贷款B.农户联保贷款C.农户抵押贷款D.农户质押贷款【答案】ABCD2、对于债券利率的风险结构，描述正确的有（）。A.债券违约风险越大，利率越高B.债券违约风险越大，利率越低C.债券流动性越好，利率越高D.债券流动性越好，利率越低E.税收对债券利率高低没有影响【答案】AD3、计算机主机由（）构成。A.CPUB.外存C.内存D.光驱【答案】AC4、人民币国际化问题，从理论上讲，具体包括（）。A.储蓄货币B.现实货币C.结算货币D.计价货币【答案】ACD5、寡头垄断市场的条件为（）。A.产品同质或
41、异质B.市场进出不易C.互无依赖性D.规模企业众多【答案】AB6、银行规范化服务的原则是（）。A.客户第一B.信誉第一C.效率第一D.安全第一【答案】ABCD7、有关世界的物质统一性原理，正确的说法是（）。A.它是对无限多样和永恒运动着的整个世界的根本观点和总的看法B.它是对整个世界的普遍本质和共同基础的科学反映C.它是全部马克思主义哲学的基础D.它是我们从事一切实际工作的立足点【答案】ABCD8、某商店衣服标明“正在出售”，并且标识了价格，则“正在出售”的标识不能视为（）。A.要约邀请B.要约C.承诺D.既是要约又是承诺【答案】ACD9、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
42、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】ABD10、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.降低法定存款准备金率C.提高再贴现率D.降低再贷款利率【答案】AC11、根据商业银行法，下列表述中哪些是错误的?（）A.商业银行的工作人员不得在任何组织中兼职B.商业银行对任何一个关系人的贷款余额不得超过商业银行资本余额的 10%C.个人所负数额较大债务到期未能清偿的人不能招聘为商业银行的高级管理人员D.商业银行的高级管理人员及信贷业务人员不能从本银行取得贷款【答案】
43、ABD12、关于附条件的合同和附期限的合同，下列说法正确的有（）。A.附生效条件的合同，自条件成就时生效，当事人为自己的利益不正当地阻止条件成就的，视为条件已成就B.附解除条件的合同，自条件成就时失效，当事人为自己的利益不正当地促成条件成就的，视为条件不成就C.附生效期限的合同，自期限届至时生效D.附条件期限的合同。自期限届满时失效【答案】ABCD13、金融运行机构是以盈利为目的，通过向公众提供金融产品和金融服务而开展经营的金融 机构，包括（）。A.商业银行B.中央银行C.证券公司D.信托公司【答案】ACD14、WindowsXP 中关闭程序的方法有多种，下列叙述中正确的是（）。A.用鼠标单击
44、程序屏幕右上角的“关闭”按钮B.在键盘上，按下 Alt+F4 组合键C.打开程序的“文件”菜单，选择“退出”命令D.按下键盘上的 ESC 键【答案】ABC15、关于银行金融创新，下列说法正确的是（）。A.金融创新应该以客户为中心B.金融创新应该以市场为导向C.金融创新能够有效提升银行的核心竞争力D.金融创新的核心是产品创新【答案】ABCD16、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】ACD17、在实际工作中，常用的账务处理程序有（）。A.原始凭证汇总账务处理程序B.记账凭证账务处理程序C.科目汇总表账务处理程序D.汇总记账凭证账务处理程序【答案】BCD
45、18、我国行政法律规范的适用规则是（）。A.溯及既往B.新法优于旧法C.上位法优于下位法D.特别法优于一般法【答案】BCD19、风险管理的“三道防线”包括（）。A.业务团队B.风险管理团队C.内部审计团队D.内部稽核团队E.科技团队【答案】ABC20、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】BCD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
46、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、请将下面错误的地方改正过来
47、。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建新材料检测实验楼，有关具体事宜待专门批复。专此函复。【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20035 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
48、)“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)漏掉成文日期二 0年月日。三、甲公司持有一张由乙公司出票、经丙公司背书转让获得的银行承兑汇票。在该汇票到期后，甲公司向承兑银行提示付款时遭到拒绝，承兑银行拒付的理由是：该汇票上银行的签章是伪造的，该银行并未承兑过这张汇票。甲公司于是向丙、乙公司进行追索，丙公司声称该汇票是乙公司某业务员给付的，并经乙公司背书转让取得，伪造签章的责任应由乙公司承担与其无关。乙公司则答复说，该汇票出票及背书转让都是其一业务员伪造公司签章所为，应由司法机关追究该业务员的责任，与乙公司无关。经公安机关调查，发现乙公司公章使
49、用管理混乱，使其业务员有伪造签章的可乘之机。问：1什么是票据的伪造?(2 分)2对于伪造的汇票，承兑银行要不要承担票据责任?(2 分)3乙公司和其业务员分别要承担什么责任?(2 分)4丙公司的背书行为是否有效，理由为何?(4 分)【答案】1.票据的伪造指无权限人假冒他人或虚构他人名义，在票据上签章的行为。行为人变造他人留存在票据上的签章属于伪造票据的行为。2若该汇票上银行承兑签章是伪造的(对此该银行应负举证责任)，承兑银行无须负票据承兑责任，该银行以票据瑕疵抗辩拒付是合法的。3乙公司因对其签章被伪造存在疏于管理的过错，应向甲公司承担民事赔偿责任。其业务员由于在伪造票据上并无个人的签章，故一般不
50、负票据责任，但由于他伪造票据签章，应依票据法和刑法相关规定承担刑事责任，并对其他票据当事人因此所受的经济损失承担民事赔偿责任。4丙公司的背书行为有效。依票据行为的独立性，票据上有伪造、变造的签章的，不影响票据上其他真实签章的效力，故丙公司作为真实签章人应依票据文义承担票据责任。四、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