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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考前冲年银行招聘之银行招聘综合知识考前冲刺模拟试卷刺模拟试卷 B B 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、Like no previous technology,mobile technology has spread_anunprecedented pace in the last few years.A.atB.inC.onD.with【答案】A2、资料：Being financially secure in retirement just doesnt happenmagically.It takes l
2、ots of planning,time and savings.A.the governmentB.both the employer and the governmentC.the employerD.the employer,the government and the media【答案】B3、计算机只懂机器语言，而现在人们一般用高级语言编写程序，将高级语言变为机器语言序需经过（）。A.编译程序B.编辑程序C.连接程序D.装入程序【答案】A4、-Must I wait till you come backA.mustntB.needntC.cantD.wont【答案】B5、Could I
3、 speak to（）is in charge of International Sales please?A.whoB.whatC.whoeverD.whatever【答案】C6、资料：When a consumer finds that an item she or he bought isfaulty or 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.a
4、t 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 simpleand common method used by many consumers is to complain directly tothe store manager.In general，the“higher up”his or hercomplaint，the
5、 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 politelyB.Threaten to take further measuresC.Complain in a rude wayD.Report it to the management of the company【答案】B7、资料：For the development of
6、 Crunchy Nut（a product）,K companyhas used various methods of primary data collection.Primary marketdata may involve qualitative research or quantitative research.Qualitative data is connected more about opinions,feelings andattitudes.Quantitative data is in numerical form and is usuallygathered from
7、 a large sample of respondents.A.The development of Crunchy NutB.K Companys production lineC.Qualitative data collectionD.Two approaches to data collection【答案】D8、资料：Even as rich countries seek to rid workplaces of subtlegender bias,in many developing ones discrimination remains overt.According to th
8、e World Bank,women are barred from certain jobs in104 countries.（1）A.In developing countries,the gender discrimination in work field isspreading to more countriesB.Due to work restrictions,women cannot work in some toughindustriesC.Women appreciate being treated as weaker sex in some countries soas
9、to bear childrenD.Lifting restrictions on a list of dangerous jobs can help to solvethe problem of inequality in work【答案】B9、当外汇业务发生时，对有人民币外汇汇率的外币，都直接以（）为记账单位。A.外币B.原币C.外币或者原币D.依情况而定使用何种货币【答案】B10、It is better to die on ones feet than（）A.living on ones kneesB.live on ones kneesC.on ones kneesD.to live
10、 on ones knees【答案】D11、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.To require an instant respond for after-hour emailingB.To abandon after-hour ema
11、ilingC.To tell employees that an after-hours email doesnt necessarilyrequire a responseD.To limit the time of after-hour emailing【答案】D12、Ellen Brown says the exercises help _ her pain andstiffness from arthritis.A.rectifyB.reclaimC.reconcileD.relieve【答案】D13、Our new diet pill_the people who want to l
12、ose weight.A.satisfies the need ofB.stimulate the demand ofC.arouse the interest ofD.target the market for【答案】A14、有一个数是 123，它与十六进制数 53 相等，那么该数值是（）。A.八进制数B.十进制数C.五进制D.二进制数【答案】A15、巴塞尔协议 III 中，净稳定融资比例主要用于度量长期内银行解决资金错配的能力，该比例为（）。A.银行可用稳定资金来源/业务所需的稳定资金来源50%B.银行可用稳定资金来源/业务所需的稳定资金来源100%C.银行可用稳定资金来源/业务所需的稳定
13、资金来源150%D.银行可用稳定资金来源/业务所需的稳定资金来源200%【答案】B16、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Although internal control isan important factor in protecting assets and preventing fraud,thisis only a part of its roles.Remember that business decisions arebased
14、 on accounting data and the system of internal control providesassurance of the dependability of the accounting data used in makingdecisions.A.Financial forecastsB.According rulesC.Manuals of accounting policies and proceduresD.Organization charts【答案】B17、Passage 8A.the widows were pressured to lose
15、their own namesB.the widows may be forced to leave their homesC.the widows have misunderstood the reverse mortgageD.the widows do not know what their long-desired things are【答案】B18、海市蜃楼是一种自然现象，它形成的原理是光的（）。A.反射B.折射C.漫射D.散射【答案】B19、Uranus,_ is much more massive than the Earth,seems tohave been tipped o
16、ver so that it lies on its side.A.whatB.whoC.thatD.winch【答案】D20、要求每个管理工作者必须从思想上明确：自己负责控制的对象是一个整体的动态系统，而不是一个个孤立分割的部分，应该从整体着眼对待部分，使部分服从整体。同时还应明确自己的位置，为更大的整体效益服务。这是（）。A.人本原理B.系统原理C.动态原理D.效益原理【答案】B21、对于 2018 年中国房地产市场出现的房价下跌，楼市寒冬问题，从经济学角度来讲，属于（）事件。A.灰犀牛B.黑天鹅C.黑骑士D.白护卫【答案】B22、Weve spent so much on adverti
17、sements,but the results arenot_.A.satisfiedB.satisfyingC.satisfyD.satisfactorily【答案】B23、某企业 2010 年 12 月 31 日银行存款日记账账面余额为 217300 元，开户行送来的对账单 所列本企业存款余额为 254690 元，经核对，发现未达账项如下：银行已收、企业未收款 42100 元，银行已付、企业未付款 5000 元，企业巳收、银行未收款 21600 元，企业已付、银行 未付款 21890 元。则该企业可动用的银行存款实有数是（）元。A.217300B.254690C.254400D.27629
18、0【答案】C24、属于银行自制的、无限期的、不可辨认的且不可转让的无形资产是指()。A.专营权B.土地使用权C.商誉D.商标权【答案】C25、资料：（二）A.the widows are pressured to lose their own namesB.the widows may be forced to leave their homesC.the widows have misunderstood the reverse mortgageD.the widows do not know what their long-desired things are【答案】B26、资料：FAST
19、 cars whizz around，malls are full of expensiveluxuries and cranes dominate the skyline.But scratch the shimmeringsurface of the Gulf and you soon find countries hurting from the lowoil price，currently around$40 a barrel.Growth is slowing andunemployment is rising.Policy makers even dare utter a thre
20、e-letter“t”word until recently taboo：tax.A.Dubai used to heavily rely on oil revenueB.Gulf States used to be promisingC.The author criticizes GCCs conventional economic patternD.Oil price doesnt influence Dubais economy【答案】A27、资料：Directions:There is 1 passage in this part.The passageis followed by s
21、ome questions or unfinished statements.For each ofthem there are four choices,You should decide on the best choice.A.To start an explanation of FaceID s using conditionB.To mention that Apple Inc.shows their new product under a welldesigned environmentC.To imply that FaceID has its limitsD.To add a
22、context explanation of the interesting demo【答案】C28、表外业务与中间业务的最大区别在于（）。A.反映的资产不同B.反映的负债不同C.承担的风险不同D.获得的权益不同【答案】C29、Because of such factors,engineers have worked on increasing theefficiency of elevators,resorting to double-decker cars to serviceand to transfer systems that _ express and local elevator
23、s.A.exploreB.enforceC.deployD.strengthen【答案】D30、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】D31、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 of some forms,foo
24、tball,hockey,golf,or tennis.Itmay be mountaineering.A.it is an Olympic eventB.teams compete against each otherC.mountaineers depend on each other while climbingD.there are 5 climbers on each team【答案】C32、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
25、产税，房产税D.消费税，消费税【答案】A33、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Although internal control isan important factor in protecting assets and preventing fraud,thisis only a part of its roles.Remember that business decisions arebased on accounting data a
26、nd the system of internal control providesassurance of the dependability of the accounting data used in makingdecisions.A.The means of communicationB.The level of performance in all divisions of the companyC.The effectiveness of company policiesD.The financial reports【答案】C34、资料：The data a bank has s
27、tored 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.Challenges facing European regulatorsB.A
28、 new regulation in Europe that opens banks to competitionC.The solutions to the flawed banking system in EuropeD.A looming threat to customers private bank data【答案】B35、If English means endless new words，difficult grammar andsometimes strange pronunciation，you are wrong.Havent you noticedthat you hav
29、e become smarter since you started to learn a language?A.say language is also a kind of physical laborB.make people believe language learning helps grey matter work wellC.show the importance of using the language when you learn thelanguageD.prove that one needs more practice when he（she）is learning
30、alanguage【答案】B36、资料：What if you were told there was a way you may strengthenyour cognitive skills and heighten your intelligence,and all you hadto do was was learn to strike up basic conversations in anotherlanguage?A.seem more productive in the job marketB.comfortably travel to foreign countriesC.g
31、et to know different culturesD.all of the above【答案】D37、下列产品中，能够计入当年 GDP 的是（）。A.中央政府对地方政府的转移支付B.某人花 100 万美元在美国买的一栋新房C.企业从国外购买的一台服务器D.某企业当年生产没有卖掉的 20 万元产品【答案】D38、下列选项中 2008 年 1 月 1 日起实施的全国年节及纪念日放假办法新增加的国家法定节日不包括（）。A.重阳节B.清明节C.中秋节D.端午节【答案】A39、技能大赛中，刘师傅看了对手的资料后说：“如果我出场，每场比赛胜出的概率是 0.3，但黄师傅出场的话，概率就是 0.8。”
32、于是决定，刘师傅出场 1次，黄师傅出场 2 次，完成 3 场比赛后，总计胜出 2 场就可以进入总决赛。则他们进入总决赛的概率是（）。A.0.854B.0.562C.0.736D.0.688【答案】C40、Passage 5A.To make a transition to a new topicB.To work as a hook to the following paragraphsC.To provide a contrast to the preceding paragraphsD.To offer supporting evidence to the preceding paragr
33、aph【答案】D41、资料：Word of Mouth promotion is based on the principle of pullmarketing.A.word of Mouth promotion is based on the principle of pull marketingB.it uses above the line promotional techniquesC.it gets consumers to bring other countries to the productD.it relies on the transimission of positive
34、 message【答案】B42、“只有错买的，没有错卖的”指普遍存在于经济生活中的（）。A.道德风险B.逆向选择C.信息不对称D.测量误差【答案】C43、资料：Even as rich countries seek to rid workplaces of subtlegender bias,in many developing ones discrimination remains overt.According to the World Bank,women are barred from certain jobs in104 countries.（1）A.Some jobs are to
35、o dangerous for womenB.Men are hunting higher paid jobs in other placesC.In specific areas women are paid higher than menD.Women have the choice of not bearing children【答案】B44、（）the wealth of the country increases,more waste will beproduced.A.WithB.AsC.ForD.Since【答案】B45、Mobile and portable technolog
36、ies allow learners to accessinformation irrespective of their physical context,for example on abus or,_as a way to provide learners with location-basedinformation.A.simultaneouslyB.generallyC.accordinglyD.alternatively【答案】D46、资料：FAST cars whizz around，malls are full of expensiveluxuries and cranes d
37、ominate the skyline.But scratch the shimmeringsurface of the Gulf and you soon find countries hurting from the lowoil price，currently around$40 a barrel.Growth is slowing andunemployment is rising.Policy makers even dare utter a three-letter“t”word until recently taboo：tax.A.Saudi Arabia，UAE，Venezue
38、laB.Qatar，Kuwait，NigeriaC.Bahrain，Oman，QatarD.Iran，kuwait，Dubai【答案】C47、The Volcker Rule basically says that banks cant gamble withrisky Wall Street bets because they might make bad_andcollapse。A.shiftsB.debtsC.mistakesD.bets【答案】B48、资料：Economic performance is improving in most of the worldsleading ec
39、onomies but is still short of a self-sustaining upswing,the Organization for Economic Cooperation and Development said onWednesday.A.AccustomedB.CompliedC.ConceitedD.True【答案】C49、就业是最大的民生，保市场主体也是为稳就业保民生。各地加大稳岗扩岗激励力度，企业和员工共同克服困难。多渠道做好重点群体就业工作，支持大众创业万众创新带动就业。新增市场主体恢复快速增长，创造了大量就业岗位。2020 年全年城镇新增就业 1186 万
40、人，年末全国城镇调查失业率降到52。生活必需品保供稳价，居民消费价格上涨 25。线上办公、网络购物、无接触配送等广泛开展。大幅度扩大失业保险保障范围。对因疫情遇困群众及时给予救助，新纳入低保、特困供养近 600 万人，实施临时救助超过 800 万人次。A.中国人民银行；可上浮B.中国人民银行；不上浮C.教育部；可上浮D.教育部；不上浮【答案】B50、Despite his Catholic background,Kennedy also became a strongadvocate of_rights and later,a supporter of same-sex marriage.A.
41、wasteB.removalC.autonomyD.abortion【答案】D多选题（共多选题（共 2020 题）题）1、人民币汇率形成机制改革坚持主动性、可控性、渐进性的原则，2005 年 7月 21 日，人民币 汇率形成机制改革启动，开始实行以市场供求为基础、参考一篮子货币政策进行调节、有管理 的浮动汇率制度。自汇率形成机制改革以来，人民币汇率弹性逐步扩大，并形成双向波动的格 局，呈现稳中有升的态势。A.经济发展程度B.经济规模C.进出口贸易的商品结构和地域分布D.相对的通货膨胀率【答案】ABCD2、下列属于社会主义市场经济条件下职业道德的主要内容的是（）。A.爱岗敬业B.办事公道C.诚实
42、守信D.服务群众【答案】ABCD3、在下列()情况下，应实施应付账款的函证。A.控制风险高B.财务状况不佳C.存在大量小金额欠账D.应付账款金额较大【答案】ABC4、市场价格达到供给量和需求量相等水平时，产生（）。A.均衡价格B.物品过剩C.均衡数量D.物品短缺【答案】AC5、以下说法中，正确的是（）。A.般来说，在其他条件不变的情况下，债券的期限越长，其市场价格变动的可能性就越大，投资者要求的收益率补偿也越高B.债券的票面利率越低，债券价格的易变性也就越大C.一般来说，免税债券的到期收益率比类似的应纳税债券的到期收益率高D.具有较髙提前赎回可能性的债券应具有较高的票面利率，其内在价值相对较低
43、【答案】ABCD6、定额本票的面额有（）。A.1000 元B.5000 元C.10000 元D.50000 元【答案】ABCD7、目前商业银行的表外业务主要有（）。A.期货与远期交易B.消费贷款业务C.银行承兑汇票D.备用信用证E.电算化存款业务【答案】ACD8、下列属于准公共产品的是（）。A.移动通信B.银行C.政府兴建的公园D.教育【答案】CD9、企业发生下列各项费用中，应在管理费用中列支的有（）。A.短期借款利息B.职工教育经费C.坏账损失D.低值易耗品摊销【答案】BD10、下列关于信用卡和借记卡的区别的说法，不正确的是（）。A.借记卡不进行资信审查，使用前需存款，信用卡视各发卡银行规定
44、，需进行必要的资信审查，对符合申请条件的方予发卡B.借记卡存多少，用多少，不能透支，而信用卡无须存款，先消费，后还款C.借记卡无免息还款期，而信用卡有D.借记卡无预借现金，而信用卡有E.借记卡有利息，信用卡无利息【答案】B11、关于 CIF 术语（）。A.是否包含保险费B.是否包含运费C.是否包含租船订舱D.是否包含信用支付额度【答案】ABC12、下列属于存款性金融机构的有（)A.储蓄银行B.投资基金C.商业银行D.保险公司E.信用合作社【答案】AC13、关于德尔菲法的说法，正确的是（）。A.德尔菲法吸取和综合了众多专家的意见，避免了个人预见的片面性B.德尔菲法应采取匿名方式进行C.德尔菲法应
45、采取多轮预测的方法D.德尔菲法是专家们对影响组织某一领域发展的看法达成一致意见的结构化方法【答案】ABCD14、我国商业银行的担保贷款有哪些种类?（）A.保证贷款B.抵押贷款C.质押贷款D.信用贷款【答案】ABC15、人力资源管理部门的工作包括（）。A.建立员工档案B.制定人力资源计划C.员工的招聘和配置D.进行人力资源费用核算，建立人力资源会计体系【答案】ABCD16、泛化是指某种特定刺激的条件反应形成后，另外一些类似的刺激，也会诱发同样的条件反应。新刺激越近似于原刺激，条件反应被诱发的可能性就越大。根据以上定义，以下不可以成为泛化现象的是（）。A.杯弓蛇影B.草木皆兵C.四面楚歌D.朝被蛇
46、咬，十年怕井绳【答案】ABC17、货币市场具有（）的特点。A.偿还期短B.流动性强C.收益率高D.风险小【答案】ABD18、金融抑制的主要危害有（）。A.传递各种错误信息，引导错误决策B.造成生产和投资结构不合理C.导致资源的错误配置D.压低利率、汇率E.可贷资金的非价格配给【答案】ABC19、财务情况说明书的主要内容包括（）。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】BCD20、下列可以用三栏式账簿登记的有（）A.总账B.现金日记账C.应收账款D.实收资本【答案】ABCD大题（共大题（共 1
47、010 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
48、，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
49、 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 1000 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、
50、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