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1、陕西省陕西省 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 B B 卷含答案卷含答案单选题（共单选题（共 5050 题）题）1、I never imagined that she could walk（）far,7 miles per day!.A.asB.suchC.thatD.very【答案】C2、Passage 4A.Little Money Leads toB.a MillionaireBThe Success Road to Be a MillionaireC.Alex Taw：An Millionaire BoyD.Th
2、e MillionDollarH【答案】C3、某企业库存现金 5 万元，银行存款 75 万元，应收账款 40 万元，存货 80 万元，流动负债 200 万元。该企业的速动比率是（）。A.0.4B.0.6C.0.8D.1【答案】A4、资料：Placing the right type of workers in close proximity to eachother can generate up to a 15 percent increase in organizationalperformance，according to the study from Cornerstone On De
3、mand，aprovider of cloud-based learning and talent-management software，andresearchers at Harvard Business School in Massachusetts.Forbusinesses with 2，000 employees,this translates into an additional$1 million in profit each year，the study said.A.There is no particular order of these categoriesB.Gene
4、ralists are those who are neither productive nor effectiveC.The frequency employees need to ask a co-worker for help completinga task is recorded as effectivenessD.Productive workers are those who finish a task quickly【答案】B5、在单位协定存款业务中，对超过基本存款额度的存款按（）计付利息。A.活期存款利率B.定期存款利率C.中囯人民银行规定的上浮利率D.协定存款利率【答案】C
5、6、Passage2A.adjustableB.comfortableC.self-evidentD.self-righting【答案】D7、In a desperate move to increase their revenues to meet their salesgoal,the company is planning to offer a special discount（）itscustomers.A.byB.toC.withD.upon【答案】B8、This nomination will take two months,after which the commissionwi
6、ll make its_to the president.A.recommendationB.accommodationC.motivationD.promotion【答案】A9、资料：Gone are the days of“one-size-fits-all”employee benefitsprograms and here come newly designed and fully customized voluntarybenefits.Voluntary benefits are on longer looked at as just a few“extras”,and are n
7、ow becoming part of a comprehensive benefitspackage.Lots take a look at how voluntary benefits have become morecustomized to meet the requirements of a more particular health careconsumer.A.Long term financing to help employeesB.Employee purchase programs and discount cardsC.Pay off college loansD.B
8、udgeting software and company matched savings plans【答案】A10、“三网”融合中的“三网”不包括（）。A.电信网B.广播电视两C.互联网D.卫星通信网【答案】D11、The companys profits are_to hit their peak in the nextquarter mainly due to the release of its new line of clothing.A.forecastB.forecastingC.to forecastD.will forecast【答案】A12、在单一客户授信限额管理中，商业银
9、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】B13、She and another woman were convicted in 2005 of tax_but werereleased under an amnesty.A.evasionB.enclosureC.erosionD.exception【答案】A14、资料：According to our research,Best Buy in China was perceivedas being too expensive,with many of t
10、heir products priced higherthan in local markets.Why buy a Sony DVD player or Nokia phone atBest Buy when you can pay less for the exact same product at a localstore？Consumers will only be willing to pay more,like at the Applestores,if they are buying something they cannot get elsewhere.A.Chinese ma
11、rket needs more regulationsB.Western retailers cannot succeed in Chinese marketC.In China owing a car does not necessarily mean efficient travelD.To start a successful business,a better understanding of consumerpreference is important【答案】B15、资料：It seems simple enough.Take all the line-forming andpap
12、er-filling busy work of the government,and put it all up on theInternet.Now,in order to report a pot-hole,pay your property tax,complain to an official or cast a vote,just log on and hit a fewbuttons.Goodbye bureaucracy,hello e-cracy?A.E-government is on the increase and well fundedB.The investment
13、on e-government is adequateC.Government officials interest in e-government is decliningD.E-government is convenient and flexible【答案】D16、资料：Seeking to end a stalemate in negotiations over hercountrys withdrawal from the European Union,Prime Minister TheresaMay of Britain offered Friday substantial pa
14、yments to the bloc duringa two-year transition period immediately after the countrys exit.A.The rights of EUs citizens will be protected in Britain after thedivorceB.Britain would be willing to continue to fulfill the commitment theyhave made during the period of membershipC.A good trade relation be
15、tween Britain and the EU is in line withthe interests of both sidesD.Britain will provide 20 billion euros to EU during the transitionperiod【答案】D17、This type of networking serves a great_in giving back to thecommunity.A.processB.powerC.purposeD.project【答案】B18、In addition to bending back and forth an
16、d swaying sideways,buildings can_,and these various motions can reinforce oneanother.A.imagineB.conceiveC.describeD.twist【答案】D19、Passage 2A.one-sidedB.reasonableC.puzzlingD.well-based【答案】A20、资料：“I wouldnt be here today if not for the generosity ofstrangers,”said Michael Moritz,while announcing a maj
17、or donationto Oxford University.A former Time Magazine reporter,Mr.Moritzleft journalism to become one of the most successful venturecapitalists in Silicon Valley.Through Sequoia Capital,the firm hejoined in 1986 and has led for many years,Mr.Moritz was an earlyinvestor in Google,Yahoo,PayPal and Li
18、nkedIn.His personal fortuneis estimated at well over$1 billion.Oxford University announcedlast Wednesday that he and his wife,the novelist Harriet Heyman,donated 75 million,or$115 million,to fund a new scholarshipprogram aimed at providing financial aid to students from low-incomebackgrounds.Behind
19、the headlines about the size of the gift was afamily story of immigration,education and a sense of obligation thattranscended generations.A.showed how scholarship changed his family members lifeB.gave him the motive to study hard to be successfulC.illustrated that his family emphasized on education
20、very muchD.proved that immigration family can also make great achievements【答案】A21、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,football,hockey,golf,or tennis.Itmay be mountaineering.A.natu
21、reB.each otherC.other teamsD.international standards【答案】A22、资料：Asked to name their favorite city,many Americans wouldselect San Francisco which began as a small Spanish outpost locatedon a magnificent bay.The town was little more than a village servingranchers when the United States took possession
22、of it in 1846 duringthe war with Mexico.A.1850B.1852C.1846D.1848【答案】A23、The title page identifies the airplane model in airline _the manual was prepared.A.toB.forC.whichD.for which【答案】D24、对银行机构流动性监管内容不包括（）。A.流动性负债大于自有资本B.资产负债期限匹配C.流动性应保持在适度水平D.银行资产变化情况【答案】A25、_ you return after the rental counter cl
23、oses for the evening,place your vehicles keys in the night return slot.A.Because ofB.As a consequenceC.In the event thatD.Prior to【答案】C26、证券发行是指证券发行人以筹集资金为目的，在证券发行市场依法向投资者以同一条件出售证券的行为。证券发行分为公开发行和非公开发行。如果某机构发行者将证券面向少数特定的投资者发行的方式称为（）。A.机构发行B.有限发行C.私募发行D.公募发行【答案】C27、一项研究表明，在人类进化的过程中，采用火制备熟的肉类食用是一大进步。高温
24、杀灭了肉类中的部分有害细菌和病毒，而那些没有完全被杀死的细菌和病毒刺激了人类的免疫系统而不至于让其崩溃，从而促使人类的免疫系统得到进化。因此，人类才能比在野外生活的其他灵长类动物更好地抵御各类疾病。A.人类生活在有公共卫生系统保护的社会中B.有些人一生只吃素，患病的次数也很少C.高温能够降低病毒或细菌的致病性D.野外的灵长类动物更容易感染各种细菌或病毒引起的疾病【答案】C28、如果 100 美元兑换人民币 625 元，则相对于中国用直接标价法表示为（）。A.$100=￥625B.￥l00=$516C.￥625D.$625【答案】A29、“上午忙麦茬，下午摘棉花”是民间描述寒露时节农事活动的谚语
25、。在下列地区中，该谚语描述的农事活动场景最可能出现在（）A.珠江三角洲B.柴达木盆地C.藏南谷地D.渭河平原【答案】D30、Now that we have an escaped political prisoner on the_,everybody is fighting shy of having anything to do with peoplelike you.A.looseB.releaseC.slackD.relax【答案】A31、我国正式加入世界贸易组织的日期是（）。A.2001 年 11 月 9 日B.1997 年 10 月 1 日C.2001 年 12 月 11 日D.1
26、999 年 11 月 15 日【答案】C32、财务管理的核心环节是（）。A.规划和预测B.财务预算C.财务决策D.财务控制【答案】C33、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】C34、The detective（）the solving of this case to an anonymousphone call the police received a few hours before the arrest tookplace.A.accusedB.presentedC.attributedD.disapproved【答案】C35、资料
27、：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 realwhile they are takingplace.Some dreams are pleasant,others areannoying,and still others are frightening.Everyone d
28、reams,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.help the person understand himself betterB.studying the benefits of dreamsC.trying to make the sleeper dream logicall
29、yD.trying to help the dreamer recall his earlier dreams【答案】A36、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 ar
30、e settled，and thatbenefits are understood and administered 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
31、companies administering these benefits and whenimplementing 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 heroic
32、multitaskers.A.to act smoothly and tactfullyB.to take on much responsibilityC.to be faced with many choicesD.to pay attention to clothing【答案】B37、资料：We are pleased to invite you to attend the 14th CanadianCollaborative Mental Health Care Conference（14th CCMHCC）to be heldon Thursday，June 27th and Frid
33、ay，June 28th，2013.Montreal has beenselected as the host city.This annual event will take place at theDelta Centre Vile Hotel，a downtown location within easy walkingdistance of the Old City.You will be charmed by the unique characterof the city of Montreal，the metropolis of the province of Quebec.For
34、 those of you who wish to extend your stay，you can combinebusiness and pleasure by attending the 34th International JazzFestival of Montreal that will begin on Friday，June 28th andcontinue for the next 10 days.A.The innovative potential of clinical operations is yet to berealizedB.Collaborative care
35、 should be viewed from a strategic perspectiveC.Clinical operations shouldnt conform to postmodern societal modelD.None of the above【答案】B38、资料：Britain is facing a“crisis of fatherlessness”in whichalmost half of all children born today will not be living with bothparents by the time they are 15,the n
36、ew chief executive of thethinktank founded by Iain Duncan Smith has warned.A.result in the rapid increase of family breakdownB.undermine the relationship between father and childC.affect self-esteem of kids from the poorest familyD.transmit the traditional role of fathers in the family【答案】B39、新农合”是指
37、（）。A.新型农村合作社B.新型农村合作保险C.新型农村合作医疗D.新型农村合作教育【答案】C40、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 banks
38、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.The Fed banks,the State ba
39、nking and group bankingB.The Fed banking,the state banking and group bankingC.Unit banking,group banking and branch bankingD.Specialized banks,group banking and unit banking【答案】C41、If you want to take photographs,you will need to apply fora_.A.permissibleB.permissionC.permittingD.permit【答案】D42、资料：Wh
40、at 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.hard work with little progressB.long hours of tiring learningC.great pronunciation in a suddenD.boring m
41、emorization【答案】C43、“乐以天下忧以天下，然而不王者，未之有也”与下列哪一观点是同一学派（）A.刑过不避大臣，赏善不遗匹夫B.天之道，损有余而补不足，人之道，则不然，损不足以奉有余C.域民不以封疆之界，固国不以山溪之险，威天下以后某不利D.其用战也胜、久则钝兵挫锐、攻城则倔、久暴师则国用不足【答案】C44、We went to the office in the morning and found somebody（）into the office during the night.A.brokeB.had brokenC.has brokenD.was breaking【答案
42、】B45、当本币升值，（）。A.国内价格与出口价格一升一降B.国内价格和出口价格均不变C.国内价格和出口价格均上升D.国内价格和出口价格均下降【答案】A46、上海证券交易所上市交易的某只股票，2009 年末的每股税后利润为 0.2元，市场利率为 2.5%。A.分期付息到期还本债券B.到期一次还本付息债券C.分期还本到期一次付息债券D.分期付息债券【答案】A47、发生地震时，某大型超市内发生了骚乱，下列人员中，所处位置相对安全的是（）。A.自动电梯上B.奶粉货架旁C.承重柱旁D.收银台旁【答案】C48、央行开展 MLF 操作释放 5000 亿元人民币，该国法定存款准备金率为 20%，商业银行系统
43、平均超额存款准备金率为 5%，国民平均通货存款持有习惯是1:4，则该国货币供应量新增（）。A.12500B.10000C.9000D.13000【答案】A49、资料：This exhibition brings together outstanding works from theearliest times to the present in a thematic arrangement that is freshand unique.A.the most outstanding worksB.works spanning over 5,000 yearsC.its themesD.impo
44、rtant discoveries【答案】B50、2007 年 5 月 2 日，吴某到某县郊区旅社住宿，拒不出示身份证件，与旅社工作人员争吵并强行住入该旅社。该郊区派出所以扰乱公共秩序为由，决定对吴某处以 300 元罚款。下列哪一说法是正确的?（）A.派出所可以自己的名义作出该处罚决定B.派出所可以当场作出该处罚决定C.公安机关无须将此决定书副本抄送郊区旅社D.吴某对该罚款决定不服，应当先申请复议才能提起行政诉讼【答案】A多选题（共多选题（共 2020 题）题）1、解放前，在解放区政府引导以及解放区银行的支持下，建立起多种形式的信用合作组织，主要形式为（）。A.信用部B.信用合作社C.互助合作
45、社D.低利信贷所和村镇银行【答案】ABC2、下列属于商业银行监事会监督内容的有（）。A.银行会计事务B.银行业务活动C.国有资产保值增值D.履行社会责任【答案】AB3、依据合同法的规定，下列属于要约邀请的有（）。A.寄送的价目表B.拍卖公告C.招标公告D.招股说明书【答案】ABCD4、现代信息技术的支柱是（）。A.计算机技术B.微电子技术C.通信技术D.网络技术【答案】AC5、在我国社会主义市场经济中，企业间的竞争越来越激烈，企业的兼并和破产现象也越来越多。企业间的兼并和破产（）。A.是价值规律作用的结果B.是股份制改造的最佳途径C.是市场失灵的具体表现D.是优化资源配置的客观要求【答案】AD
46、6、直线职能制是最常见的组织结构类型之一。直线职能制组织结构的缺点有（）。A.各部门的横向协调较差B.容易多头领导C.适应性较差 D.缺乏信息交流【答案】AC7、结账的程序包括（）。A.将本期内发生的经济业务全部记入有关账簿B.将本期内所有的转账业务，编制记账凭证记入有关账簿，以调整账簿记录C.将损益类科目转入“本年利润”科目，结平所有损益类科目D.结算出日记账、总账、明细账的本期发生额和期末余额【答案】ABCD8、结账的程序包括（）。A.将本期内发生的经济业务全部记入有关账簿B.将本期内所有的转账业务，编制记账凭证记入有关账簿，以调整账簿记录C.将损益类科目转入“本年利润”科目，结平所有损益
47、类科目D.结算出日记账、总账、明细账的本期发生额和期末余额【答案】ABCD9、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.借款成本效果B.结构调节效果C.宣示效果D.对货币乘数的影响【答案】ABC10、莎士比亚的作品中，下列属于“四大悲剧”的作品有（）。A.哈姆雷特B.李尔王C.罗密欧与朱丽叶D.奥赛罗【答案】ABD11、计算机主机由（）构成。A.CPUB.外存C.内存D.光驱【答案】AC12、在我国
48、加入 WTO 后的今天，外资银行已经逐步突破地域、业务等限制进人我国市场。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.人力资源规划B.员工的考核与任用C.员工的思想政治教育D.员工绩效评价【答案】ABD13、“激励内容”理论包括（）。A.期望理论B.需要层次理论C.双因素理论D.强化理论【答案】B
49、C14、在经济萧条时。财政可以通过（）来扩大需求，刺激经济发展。A.减少福利补贴支出B.降低税率C.增加政府采购D.提高财政补贴【答案】BCD15、在数据库系统，常用的数据结构模型有（）。A.面向对象模型B.网状模型C.关系模型D.层次模型【答案】ABCD16、2003 年，我国在经济快速发展的同时，也出现了投资增长加速（尤其一些地区房地投资过 大），货币信贷增长过快现象，形成煤、电、油、运等供应紧张，物价增长加快的趋势。对此，中国 人民银行采取了一系列货币政策措施加以调控，并已取得良好成效。根据上述材料，回答下列问题：A.现券买断B.现券卖断C.卖出有价证券D.买入有价证券【答案】BC17、
50、()能减少用户计算机被攻击的可能性。A.选用比较长且复杂的用户登录口令B.使用防病毒软件C.尽量避免开放过多的网络服务D.不下载来历不明的邮件中所携带的附件【答案】ABCD18、下列属于流动负债的是（）。A.长期借款B.应付票据C.应付职工薪酬D.所得税费用【答案】BC19、下面有关公文的说法中，不正确的是（）。A.公文的结构就是指公文的组织构造B.公文形成的具体时间.通常以会议通过的时间或印发时间为准C.公文就是指本机关制成发往外部的文件D.公文是一种特殊的应用文【答案】BC20、下列属于商业银行营业外支出的有（）。A.固定资产盘亏B.证券交易差错损失C.坏账准备金D.公益救济性捐赠【答案】