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1、甘肃省甘肃省 20232023 年银行招聘之银行招聘综合知识综合练年银行招聘之银行招聘综合知识综合练习试卷习试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、资料：The movement of consumers from public social media toprivate messaging has been so rapid that Business Insider reportedthat the combined usage of the top four messaging apps now exceedsthe combined usage of
2、 the top four social media apps。Falling dataprices，cheaper devices，and improved features are helping propelthis growth。A.The traditional social networks will have great impact on certaingroupsB.The private messaging apps will replace the social media appsC.The intimate channels can be the double-edg
3、ed swords to the sellersD.The growth of the intimate channels will bring only benefits to themarketers【答案】C2、I think English is_math.A.much important thanB.so important asC.as important asD.as more important as【答案】C3、商标权的有效期为 10 年，自（）起计算。A.商标使用之日B.商标注册申请之日C.商标核准注册之日D.公告之日【答案】C4、在下列沟通形态中，组织成员满足感最高的沟通
4、形态是（）。A.链式B.轮式C.Y 式D.全通道式【答案】D5、Passage 7A.Patients seldom receive due care towards the end of the dayB.Prescription of antibiotics can be harmful to patientshealthC.cision fatigue may prevent people making wise decisionsD.Medical doctors are especially susceptible to decision fatigue【答案】C6、资料：Italy
5、s next government,a coalition between thepopulistFive Star Movement and the far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to leave the euro or ask theEuropean Central Bank to forgive 250bn（$292bn）of Italian debt.But less atte
6、ntion has been paid to what it might mean for Italianbanks,and in particular for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any country in the European Union.（1）A.The increasing use of out-of-court settlement for collateral acros
7、sthe EUB.The GACS which may not be renewed after SeptemberC.The new trading platform for trading NPLsD.The laws that guarantee cross-border operations【答案】B7、You and I shall get a _ holiday of two and three weeks.A.respectfulB.respectiveC.respectableD.respecting【答案】B8、贾某赴新加坡出差，行前到交通银行兑换 500 新加坡元，这时银行
8、使用的价格是（）。A.钞买价B.汇卖价C.汇买价D.钞卖价【答案】B9、Many sources of information can_our chances of getting intouch with the current events in the world.A.enhanceB.expandC.limitD.imagine【答案】A10、资料：In the United States of America,banks are categorized intothe federally-chartered bank which received their charter from
9、 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 superintendent to as“State Banks”.Banks are allowed to register either with the federal or the stateauthority.Let us now look at the orga
10、nizational structure ofCommercial Banks,which include unit banking,group banking andbranch banking.A.FRAB.Laws of statesC.FedD.OCC【答案】C11、资料：The movement of consumers from public social media toprivate messaging has been so rapid that Business Insider reportedthat the combined usage of the top four
11、messaging apps now exceedsthe combined usage of the top four social media apps。Falling dataprices，cheaper devices，and improved features are helping propelthis growth。A.People make fun of each other on these appsB.It would make the social media disappearC.You need to put private information on them a
12、ll the timeD.It builds connection with your real friends【答案】D12、我国第一家中国人自办的银行为（）。A.丽如银行B.交通银行C.北海银行D.中国通商银行【答案】D13、资料：Dream is a story that a person watches or even takes partin during sleep.Dream events are imaginary,but they are related toreal experiences and needs in the dreamers life.They seem r
13、ealwhile they are takingplace.Some dreams are pleasant,others areannoying,and still others are frightening.Everyone dreams,but somepersons never recall dreaming.Others remember only a little about adream they had just before awakening and nothing about earlier dreams.No one recalls all his dreams.A.
14、the sleepers own mindB.the sleepers feelingC.the sleepers imaginationD.the sleepers wishes【答案】A14、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 orde
15、r to find solutions to the problem.A.ConfidenceB.AbilityC.DiligenceD.Willpowe【答案】D15、Passage 2A.Americans prefer to address each other formallyB.Newly arrived students often get lost in the cityC.Host families come from educated backgroundsD.Students will depend on the host family to settle in【答案】D1
16、6、资料：Virgin America helped Airbus pip Boeing at the post toretain its crown as the worlds largest commercial plane maker.A.Remained optimisticB.Remained steadyC.Successfully avoided deep troubleD.Ran very fast【答案】C17、资料：Children back at school,nights slowly starting to draw inand the weather more ch
17、angeable.The seasons are turning and after aneerily calm summer for financial markets,theres a whiff ofuncertainty in the air.Bond yields are up from their lows,and therelentless migration of global capital towards any asset,anywhere,with some yield,is slowing.A.In recent years central banks adopt t
18、he method of lower interestrates and asset purchases to promote economic growth but now suchability of central banks have become increasingly weakerB.Investors doubt that the yields will decline,because the bondprices of financial market are fallingC.In the first half of this year global financial m
19、arkets are aschangeable as the weather changesD.The 10-year yields German and Japanese government bond have beenmoving up slowly through the summer【答案】B18、资料：International Federation for Scientific ResearchA.To invite a researcher to speak at a conventionB.To recommend an academic articleC.To encour
20、age a member to attend a conferenceD.To ask a scientist to post research data to a Web site【答案】C19、Do you know where_now?A.he livesB.does he liveC.he livedD.did he live【答案】A20、（）是指企业对外提供的反映企业某一特定日期财务状况和某一会计期间经营成果、现金流量情况的书面文件。A.资产负债表B.利润表C.会计报表附注D.财务会计报告【答案】D21、下列属于道家思想的是（）。A.尽其心者，知其性也，知其性，则知天矣B.为无为，
21、事无事，味无味C.以子之矛，攻子之盾D.食必常饱，然后求美；衣必常暖，然后求丽；居必常安，然后求乐【答案】B22、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 check your email all the tim
22、eB.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】C23、资料：Taikong City was founded by the dormuns about 50 AD.Itsname is derived from a Cethic wor
23、ldwhich means the piece of the boldone.After they invaded Bliton in 43 AD the Dormons built a bridgeacross the Themas River.They later decided it was an excellent placeto built a port.The water was deep enough for ocean going ships butit was far enough inland to be safe from other raiders.Around 50
24、ADDormons merchants built a town by the bridge.So Taikong City was born.A.The history of Taikong CityB.The stone wall was around Taikong CityC.The origination of Taikong City,s nameD.rebellion against the Dormans【答案】A24、下列关于 GDP 和 GNP 两个经济概念的表述，不正确的是（）。A.GDP 强调的是地域概念B.GNP 强调的是人口概念C.一个美国公民在中国工作，取得的收入
25、可计入美国的 GDP 中D.一个英国公民在中国工作，取得的收入可计入英国的 GNP 中【答案】C25、商业银行新的业务运营模式的核心是（）。A.督导责任制B.设综合窗口C.前后台分离D.全方位立体化【答案】C26、将八进制数 165 转换成十进制数是（）。A.165B.119C.117D.159【答案】C27、Passage 1A.It reflected the existing big gap between the two economiesB.It neglected many important indicators of peoples welfareC.It covered up
26、 the differences between individual citizensD.It failed to count in their difference in natural resources【答案】B28、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 Bangladesh,upgrade
27、 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 had been acc
28、epted by the people in theproject areas.A.World Bank and the Asian Development Bank emphasize more on povertyreduction than Asian Infrastructure Investment Bank doesB.The Asian Infrastructure Investment Bank will be devoted to improvedevelpomengt in AsiaC.The Asian Infrastructure Investment Bank wil
29、l work together withthe World Bank,the Asian Development Bank and the European Bank forReconstruction and DevelopmentD.The Asian Infrastructure Investment Bank will pose a challenge tothe United States【答案】D29、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 年 1 月15 日和 1 月 25 日分别下调
30、 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.再贷款B.再贴现C.消费者信用控制D.道义劝告【答案】B30、There is no reason they should limit how much vitamin youtake,_they can limit how much water you drink.A.no less thanB.not any more thanC.no more thanD.much more or less【
31、答案】B31、资料：Business,academic and civic leaders in Cambridge havewarned that one of Britains major economic growth cities is underthreat unless the government acts quickly to restore trust post-Brexit.A.The immediate action of the British governmentB.continuation of free labor movements from EU countr
32、iesC.An increase in the foreign talents wagesD.New policies that protects foreign talents rights【答案】C32、He spent ages _ for a pay increase，only to resign from hisjob soon after hed received it.A.observingB.occurringC.negotiatingD.securing【答案】C33、根据巴塞尔协议的规定，以下属于商业银行核心资本的是（)。A.中期优先股B.损失准备C.附属机构的少数股东权益
33、D.可转换债券【答案】C34、Italy calls an emergency meeting to save the ancient city ofPompeii（）falling down.A.onB.offC.fromD.against【答案】C35、商业银行客户信息管理“展业三原则”是指（）。A.了解你的业务、了解你的客户、了解你的市场B.了解你的渠道、了解你的客户、尽职调查C.了解你的业务、了解你的市场、尽职调查D.了解你的业务、了解你的客户、尽职调查【答案】D36、The title page identifies the airplane model in airline _th
34、e manual was prepared.A.toB.forC.whichD.for which【答案】D37、Writing out all the invitations by hand was more time-consumingthan we（）.A.will expectB.are expectingC.expectD.had expected【答案】D38、阅读下列短文，从短文后各题所给的四个选项中，选出可以填人空白处的最佳选项。A.statedB.remarkedC.saidD.told【答案】C39、Because his partner had to go to Sydn
35、ey.Mr.Zazueta had tofinish work on the adverting campaign on_.A.his ownB.himselfC.aloneD.solo【答案】A40、The accounting team uses an advanced spreadsheet software programto list company（）by department.A.diagramsB.expendituresC.applicationsD.Insights【答案】B41、资料：The following passage is the introduction ab
36、out one of theMonsell international financial products.According to thepassage,there will be 5 questions.You should read carefully,thenselect the right answer.A.Not including Primary Chequing,you can own 17 accountsB.You can make unlimited everyday banking transactions inbranch,online,at an ATM of B
37、ank of Monsell,or phone banking servicesC.It offers preferred exchange rate when buying U.S.cash（up to$5,000 U.S.per transaction）D.It is able to help save you up to$288.60 a year on fees【答案】C42、资料：It is September of 1998,Im sitting in a windowlessoffice room inside the Office of the Independent Coun
38、sel underneathhumming fluorescent lights.Im listening to the 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 R
39、eport is released to Congress,and all of thosetapes and transcripts,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
40、)A.The environment in which the technology enhances shamingB.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】A43、资料：Poor health is not only damaging to employees,it isdetr
41、imental to businesses.Corporations pay a heavy cost for stress-related illnesses,such as hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.In companies where good health is promoted,employees are morelikely to be loyal and productiveB.Offering seminars,starting competitions and
42、 offering discount ongym memberships will be costly,so companies should not pay muchattention to these activitiesC.Exercise plays an important role of building a strong bodyD.Chronic stress in the workplace might be harmful to the companysinterest【答案】B44、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
43、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】A45、中央银行票是中国人民银行面向全国银行间债券市场成员发行的、期限一般在（）以内的中短期债券。A.六个月B.一年C.两年D.三年【答案】D46、对利随本清的存款计算存期时，下列说法正确的是()。A.存人日计息，支取日不计息B.存入日、支取 El 均计息C.存人的第二日起息，算至支取日D.存入的第二日起息，算至支取的前一日【答案】B47、Ninety-four studies were deleted because they did notA.makeB.meetC.putD.
44、keep【答案】B48、资料：Faces,like fingerprints,are unique.Did you ever wonderhow it possible for us to recognize people?Even a skilled writerprobably could not describe all the features that make one facedifferent from another.Yet a very young child or even an animal,such as a pingeon can learm to recognize
45、 faces.We all take thisability for granted.A.People differ from each in appearanceB.Different people may have different personalitiesC.People can learn to recognize facesD.People can describe all the features of others【答案】D49、_ with the law is expected in the state.Any violation willput you into gre
46、at trouble.A.ComplianceB.AgreementC.BalanceD.Obedience【答案】A50、Exce1 中，将两个字符串连接起来的运算符是（）。A.$B.+C.D.一【答案】C多选题（共多选题（共 2020 题）题）1、市场经济的基本特征有（）。A.自主的企业制度B.平等的经济关系C.完善的市场体系D.完备的市场法规【答案】ABCD2、国务院银行业监督管理机构负责对全国银行业金融机构及其业务活动监督管理的工作，其法定监管目标为（）。A.促进银行业的合法、稳健运行，维护公众对银行业的信心B.维持币值稳定C.促进经济增长D.维护金融稳定E.保护银行业公平竞争，提高银
47、行业竞争能力【答案】A3、下列罪名属于贪污贿赂罪的有（）。A.挪用公款罪B.徇私舞弊罪C.巨额财产来源不明罪D.玩忽职守罪【答案】AC4、单位可以开立以下（）用途的专用存款账户。A.基本建设基金B.注册验资C.社会保障基金D.单位银行卡备用金【答案】ACD5、下列属于银行业从业人员从业基本准则的是（）。A.诚实信用B.守法合规C.专业胜任D.勤勉尽职【答案】ABCD6、组织变革的内部动因包括（）。A.战略的调整B.环境资源的变化C.员工受教育程度的提高D.组织规模和范围扩大E.设备引进与技术的变化【答案】ACD7、投诉表示客户对金融服务的不满，在处理投诉时，银行从业人员要懂得下列（）礼仪。A.
48、耐心倾听B.宽容忍让C.灵活果断D.表示感谢【答案】ABCD8、下列属于商业银行的代收代付业务的有（）。A.发行库代理业务B.代理各项公用事业收费C.代发工资D.代扣住房按揭消费贷款还款【答案】BCD9、下行文的种类（）。A.命令B.请示C.批复D.报告【答案】AC10、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】BCD11、下列（）财产不可以抵押。A.土地所有权B.所有权不明或者有争议的财产C.依法被
49、查封、扣押、监管的财产D.学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施【答案】ABCD12、下列关于我国商业银行理财市场现状的说法中，正确的有（）。A.信托理财集合资金用于贷款可能引发潜在风险B.对客户风险提示及信息披露不充分C.熟悉国际交易规则的专业人才较为充足D.金融机构在理财产品的营销上缺乏特色产品和个性化方案【答案】ABD13、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
50、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.建立银行行员制B.实行全员劳动合同制C.专业技术职务管理D.加强思想政治工作【答案】BC14、1999 年以来为适应我国农业和农村经济发展需要，农村信用社积极开展金融创新的主 要形式包括（）。A.农户小额信用贷款B.农户质押贷款C.农户联保贷款D.农户抵押贷款【答案】ABCD15、市场经济的基本特征有（）。A.自主的企业制度B.平等的经济关系C.完善的市场体系D.完备的市场法规【答案】AB