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1、青海省青海省 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、资料:Samsungs Notebook 7 Spin is a stylish,versatile workmachine with power to spare.The 2-in-1 notebooks performance isimpressive,and its versatile folding design is legitimatelyuseful.Unfortunately,the sys
2、tems shallow keyboard and lacklusterbattery life curtail its productivity potential a bit.A.In a magazine about electronic productsB.In Samsungs storesC.In a newspaperD.In an advertisement【答案】A2、中华民国成立,清王朝统治覆灭是在()。A.1911 年 12 月B.1912 年元旦C.1912 年 2 月D.1912 年 3 月【答案】B3、Recently,electric vehicles(EVs)h
3、ave been claimed to provide apathway for the transition towards sustainabletransportation_EVs potential to solve energy and environmentalproblems,although new problems such as battery waste might appear.A.in behalf ofB.in honor ofC.in charge ofD.in view of【答案】D4、资料:Some companies are more creative i
4、n their use of historythan others.HSBCs History Wall,a striking art installation at thebanks London headquarters,is made up of 3,743 images drawn fromthe banks archives and arranged in chronological order.A.Activities did by HSBC are better than those of Coca-colaB.New designs inspired by old produc
5、ts are not goodC.Young companies do better than old companies in using historyD.Consumers often trust old-aged companies more【答案】D5、资料:As a business owner,it is vital that you understand anduse advanced technologies.Technology can help increase businessefficiency and even expand operations.A.Negativ
6、eB.CriticalC.PositiveD.Neutral【答案】C6、按借贷协议在一定时期可以变动的利率是()。A.固定利率B.浮动利率C.一般利率D.优惠利率【答案】B7、按照资本保金的要求,企业不得用()发放股利或投资分红。A.当期利润B.留存收益C.未分配利润D.股本或原始投资【答案】D8、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】A9、资料:之后,经济学家 Mr.W 谈了谈对中国的一些看法,请根据下列资料回答问题。A.It requires you to exchange favors to get things doneB.It i
7、s the art form of bribery in the businessC.It involves money and powerD.It means connections or relationship among family members【答案】A10、社会主义市场经济中宏观调控主要运用()。A.经济手段和法律手段B.行政手段和计划手段C.经济手段和行政手段D.法律手段和行政手段【答案】A11、资料:What,if anything,do we gain by clinging to ourantioxidant supplements?A.reasonableB.untr
8、ueC.terribleD.fair【答案】B12、根据双因素理论,员工感到不满的主要原因是()。A.激励因素缺乏B.保健因素缺乏C.激励因素充足D.保健因素充足【答案】B13、资料:As a startup founder,my daily tasks include everythingfrom long-term strategic planning to approving team outings andcompany culture initiatives.Day after day,things inevitably come upthat need to get handled
9、 ASAP.But lve also learned that if youdont have a strategy for making time for those bigger ambitions andyour truly lofty goals,theyll simply never get done.And that meansyou wont make the progress thats really going to move your businessforward.A.When you are most focusedB.When there is no discussi
10、onsC.Last at nightD.Bright and early in the morning【答案】A14、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,andthus many brewers use only minimal amounts.But,depen
11、ding 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 in their brews.One of theirmost popular products was t
12、he 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 Sahibs managing the Empire there.A.The British produce
13、d large quantities of beerB.The British found one of the most popular products called the Indiapale ale,or I.P.AC.The British made Hop flower a necessity and shipped it in largequantities to IndiaD.The British added more hop flower in beer【答案】D15、在日常生活中,居民获得住房贷款属于()。A.商业信用B.消费信用C.国家信用D.补偿贸易【答案】B16、资
14、料:Changing careers is becoming more popular.Not just becausethere are more career options available,but also out of necessity.As new industries arise,others die.Its up to you to figure out ifyour career is still going to be around in the next 5-10 years.Somestudies say we could have as many as nine
15、careers in our professionallifetime.Which begs the question:do you know what it takes tosuccessfully change career lanes repeatedly?A.You need to have more conversations and connections within your newcareer pathB.You need to build a marketing campaign for your business-of-oneC.You need to give the
16、logic and passion behind your career changeD.You need to make sure everyone knows about it【答案】D17、资料:The business announced that revenues had grown by 10.2percent year-on-year to RMB 18.264 billion($2.748billion).However,profit fell to RMB 2.866 billion($431.3 billion),a 17.4 percentdecrease from th
17、e same period in 2015.A.Baidu has been cutting off their costsB.Baidus profit has fallenC.Baidus revenues have been fallingD.Baidu has been losing money【答案】B18、()可以为企业筹集自有资金。A.内部积累B.融资租赁C.发行债券D.向银行借款【答案】A19、在计算机中表示数据的最小单位是()。A.位B.字节C.字D.字长【答案】A20、截至 2011 年末,我国境内股市已经成为全球第()大市场。A.二B.三C.四D.五【答案】B21、下列用
18、于判断收入分配公平程度的经济指标是()。A.赤字率B.基尼系数C.恩格尔系数D.生产者物价指数【答案】B22、公元前 221 年,秦王嬴政灭六国,实现统一,建立了秦朝,定都()。A.洛阳B.咸阳C.北京D.南京【答案】B23、Passengers should possess boarding pass,valid passport,visa,exit registration card,and immigration certificate _ byrelated department.A.issuedB.madeC.identifiedD.designed【答案】A24、资料:Stress
19、 is a common factor in life.Children experiencestress from school,new social situations and simply growing up.Adults feel the stress of working,paying bills,raising kids andmaintaining households.Seniors also feel stress,even though somemay have retired,raised their children and paid off their homes
20、.Certain amounts of stress are a part of life for people of all ages.A.AffectB.ImproveC.IntensifyD.Worsen【答案】D25、鼓励冒险和革新的组织文化称为()组织文化。A.学院型B.俱乐部型C.棒球队型D.堡垒型【答案】C26、柯达公司是世界上著名的影像产品及相关服务的生产和供应商。面对市场技术的不断革新,柯达公司满足现状没有及时进行技术更新,直到 2003 年,柯达才宣布全面进军数码产业。最终柯达公司陷入退市困境,体现了管理学中的()。A.二八法则B.长板法则C.青蛙法则D.木桶法则【答案】C
21、27、Compared()circuits built from separate components ICs arevery much smaller,lighter,cheaper and more reliable.A.ofB.withC.toD.for【答案】B28、产出增加、利率不确定是财政政策和货币政策混合使用的哪种方式产生的结果?()A.紧缩性财政政策和扩张性货币政策B.扩张性财政政策和扩张性货币政策C.紧缩性财政政策和紧缩性货币政策D.扩张性财政政策和紧缩性货币政策【答案】B29、下列反映资源配置的两种方式的经济范畴是()。A.产品经济和商品经济B.商品经济和市场经济C.市场
22、经济和计划经济D.计划经济和产品经济【答案】C30、观察数列的变化规律,然后为空缺处选出正确的数:87、152、265、132、43、()。A.65B.74C.83D.91【答案】A31、资料:Did your childs brain shrink last summer?Probably not,but it may have shifted into reverse,according to a study by Dr.Harris Cooper,professor of psychology at the University of Missouri-Columbia.The stud
23、y found that when students return to school after along summer vacation,theyve lost one to three months worth oflearning.A.Lower-income children experienced lose in math over the summerB.Middle-class children gained in learning over the summerC.Lower-income children gained in math over the summerD.M
24、iddle-class children suffered lose in math over the summer【答案】B32、资料:Its almost considered sacrilegious today to leave work atthe end of your workday or(for shame!)on a Friday and simply notcheck your work email again until you return the office during normalworking hours。A.Because they never know w
25、hat kind of work requests will be askedoff hoursB.Because they are required by the company to answer emails off hoursC.Because smart phones and tablets keep us connected all the timeD.None of above【答案】A33、总分类账与明细分类账平行登记四要点中的“依据相同”是指()。A.总分类账要根据明细分类账进行登记B.明细分类账要根据总分类账进行登记C.根据同一会计凭证进行登记D.由同一人员进行登记【答案】
26、C34、资料:Up to 80 per cent of the worlds middle classes will livein developing countries by 2030 thanks to surprising recent gains inpoverty reduction,according to a United Nations report published onThursday.A.discuss why developing countries are playing major roleB.illustrate a theory for poverty re
27、ductionC.explain reasons behind a reportD.interpret the role of trade for developing countries【答案】C35、下面()不是计算机局域网的主要特点。A.地理范围有限B.数据传输频率高C.通信延迟时间较低。可靠性较好D.构建比较复杂【答案】D36、下列命题中,不包含辩证法思想的是()。A.“穷则变,变则通,通则久”B.“塞翁失马,焉知非福”C.“天不变.道亦不变”D.“城门失火,殃及池鱼”【答案】C37、Today,only 4 million people live and work on farms
28、in the UnitedStates,but they produce more than enough food for 200 millionAmericans.They are able to do this because modern agriculture dependsmore on up-to-date machinery and scientific methods than it does onold-fashioned knowledge and human labor.A.Modern Farming in the USAB.Problems with Modern
29、AgricultureC.Farming of TodayD.Modernization of Agriculture【答案】A38、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】C39、Lets face it.Gardening fanatics like nothing better than to havetheir hands stuck in the soil or to be trimming,pruning,or harvestingthe fruits of their labors.But for onc
30、e,here is an obsession whichbenefits the whole community by beautifying the environment andproducing cooler,more fragrant,and cleaner air.To recognize thatfact,the Tampa City Council has decided to award generous prizes tothe most beautiful displays this spring.A.February 12B.April 25C.June 1D.Augus
31、t 3【答案】C40、目前,我国中央银行发行的短期债券主要为()。A.央行回购品种B.本票C.可转让定期存单D.央行票据【答案】D41、Passage 3A.Unpackaged products are of bad qualityB.Supermarkets care more about packagingC.Other products are better packaged than foodD.It is improper to judge quality by packaging【答案】D42、资料:Job DescriptionA.balance between work an
32、d entertainmentB.desire to contribute to developmentC.knowledgeable of co-branded sponsored entertainmentD.passionate for the A+E brands【答案】A43、金融市场最主要的基本功能是()。A.融通货币资金B.优化资源配置C.风险分散D.定价功能【答案】A44、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
33、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.固定汇率制B.浮动汇率制C.盯住汇率制D.有管理的浮动汇率制【答案】C45、资料:It seems simple enough.Take all the line-forming andpaper-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 v
34、ote,just log on and hit a fewbuttons.Goodbye bureaucracy,hello e-cracy?A.make suggestions on facing the reality and modifying expectationsB.advocate that e-government is costly and uselessC.explain why e-government is no longer popularD.persuade governments to cut the cost【答案】A46、商品价值量的多少是由()决定的。A.商
35、品的供求状况B.生产商品的劳动时间C.商品生产者的个别劳动时间D.生产商品的社会必要劳动时间【答案】D47、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.To create more job positions for foreign talentsB.To
36、 comfort existing foreign talentsC.To attract new talentsD.To stimulate local economy【答案】B48、帕累托最优条件不包括()。A.效率问题B.社会问题C.生产问题D.分配问题【答案】D49、()基金,股份相对固定,一般不向投资者增发新股或赎回旧股。A.开放型B.契约型C.公司型D.封闭型【答案】D50、资料:The poverty line is the minimum income that people needfor an acceptable standard of living.People wit
37、h incomes below thepoverty line are considered poor.Economists study the causes ofpoverty in order to find solutions to the problem.A.some people are too young to work in many industriesB.some people are satisfied with the government welfareC.some people dont have motion to workD.some people are not
38、 qualified to work【答案】B多选题(共多选题(共 2020 题)题)1、陈某与孔某约定:若孔某能将其儿子抚养到 18 岁,那么陈某就将其一套房产赠与孔某。关于该约定,下列表述中,正确的有()。A.该法律行为未成立、未生效B.该约定属于附期限的法律行为C.该法律行为已经成立、但尚未生效D.该约定属于附条件的法律行为【答案】CD2、货币结算形式有()。A.现金结算B.转帐结算C.同城结算D.异地结算【答案】AB3、目前我国开办的储蓄种类有()。A.活期储蓄存款B.定期储蓄存款C.整存零取定期储蓄存款D.定活两便储蓄存款【答案】ABCD4、下列属于反映企业盈利能力的指标有()。A.
39、普通股每股收益B.主营业务利润率C.资产负债率D.资本收益率【答案】ABD5、按照外汇收付的方式可以将汇率分为()。A.票汇汇率B.远期汇率C.电汇汇率D.信汇汇率【答案】ACD6、商业银行存放在中央银行的存款可以分为()。A.一般性存款B.同业存款C.定期存款D.存款准备金存款【答案】AD7、UPS 的三种工作模式是()。A.自动模式B.旁路模式C.市电模式D.电池模式【答案】BCD8、马克思的货币必要量规律的前提条件是()。A.黄金是货币商品B.信用货币流通C.商品价格总额既定D.只是流通手段【答案】ACD9、作为一名银行业从业人员,以下()的知识是不可或缺的。A.对宏观经济和金融状况全方
40、面的认识和了解B.熟悉银行在现代经济中所起的作用C.熟知与自身岗位相关的银行业务及管理有关的法规D.深人了解金融监管体制和所从事行业涉及的监管规定【答案】ABCD10、银行机构财务监管的内容包括()。A.收入的来源与结构B.支出的去向与结构C.资产的来源与结构D.资源的来源与结构【答案】AB11、下列关于民事法律行为的表述,正确的有()。A.以行为人的意思表示为必备要素B.是以发生一定民事法律后果为目的的行为C.民事法律行为的生效要件可分为实质要件和形式要件D.是一种合法或非法行为【答案】ABC12、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
41、律D.社会公德E.个人反省【答案】ABCD13、下列属于转移性财政支出的特点的是()。A.等价性B.无偿性C.非等价性D.有偿性【答案】BC14、错账的更正方法包括()。A.补充登记法B.借贷更正法C.划线更正法D.红字更正法【答案】ACD15、下列选项中,属于对信用社扶持政策的主要有()。A.放松监管B.资金扶持C.税收优惠D.提高存款准备比例【答案】BC16、法律上保护人身权的方式有()。A.民事制裁B.刑事制裁C.行政制裁D.批评教育【答案】ABC17、下列属于双激励法中的保健因素的是()。A.政策和管理B.技术监督C.工作条件D.成就和责任【答案】ABC18、与商业信用相比较,银行信用
42、有以下特点()。A.直接信用B.间接信用C.可以突破资金来源的期限限制D.贷款方向受行业限制【答案】BC19、下列各项中属于非关税壁垒措施的是()。A.某进口国和出口国谈判自愿限制某些商品在一定时间内的出口数量B.某国政府给予国内的供应商优先获得政府公共采购订单C.某进口国政府对电子产品设定较高的技术标准D.某国对进口的化妆品采取卫生检疫,限制国外化妆品的进口【答案】ABCD20、下列选项中,对贷款展期的叙述正确的有()。A.除法律另有规定外,短期贷款展期期限累计不得超过原贷款期限B.除法律另有规定外,中期贷款展期期限累计不得超过原贷款期限的 12C.除法律另有规定外,长期贷款展期期限累计不得
43、超过 3 年D.除法律另有规定外,中期贷款、长期贷款展期期限累计不得超过原贷款期限的 12【答案】ABC大题(共大题(共 1010 题)题)一、2002 年 3 月 5 日,美国总统布什决定,从 3 月 20 日起,美国将对大多数钢材征收最高达 30的进口关税,并对原钢板实行进口限额,这意味着来自欧盟、日本、韩国、俄罗斯和中国的价值数 10 亿美元的钢材将无法进入美国这个世界上最大的钢铁市场。对加拿大和墨西哥则实行“豁免”。欧盟表示,要采取相应的措施进行反击。我国也表示,反对美国的这一决定,并采取相应的措施以维护我国的利益。1 用有关经济知识评析美国总统布什的决定。2用有关哲学知识分析美国总统
44、布什的决定必然产生的后果。3用政治常识的有关知识分析我国为什么要反对布什总统的决定。【答案】1(1)市场经济具有平等性、竞争性、法制性和开放性等一般特征,美国的这一做法违背了市场经济特征。(2)非歧视原则是 WT0 的一条重要的基本原则,美国对中国、欧盟、日本、韩国、俄罗斯等国家征收高关税,而对加拿大、墨西哥施行“豁免”,违背了非歧视原则。2(1)意识有能动的反作用。错误的意识阻碍事物的发展,布什总统的决定是错误的,阻碍了美国与欧盟、中国等国家经济贸易的发展。(2)世界上的一切事物处在普遍的联系之中,美国经济同欧盟、中国等国经济是相互联系的。布什总统的错误决定损害了欧盟、中国等国家的经济利益,
45、反过来也给本国经济带来损害。3维护国家利益是主权国家制定和推行对外政策的依据,是对外活动的目的,布什总统的决定是为了美国的国家利益,我国反对布什总统的决定是为了维护我国的国家利益。二、请将下面错误的地方改正过来。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
46、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)“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、结合中国实际,写一篇 1000 字以上的商业评论。零利率是货币经济学里面的一个神话,即是说利率不可能达到零以下,如果达到零以下,人们都会囤积现金。这个理论被称为零开氏度货币利率的一个极限。瑞典央行在 2009 年曾下调了存款准备金利率。使得存款准备金利率在负值。
47、此举引发了两个问题:是否应该这样做?能否做到?请谈谈你的看法。【答案】我认为是能够做到的。首先,现代央行管理下的利率不止一个。瑞典央行没有把所有的利率都降至零以下,调整的只有存款准备金利率,即各银行存放在央行的存款利率。施行存款负利率是为了阻碍银行以央行准备金的形式囤积过剩的流动性而不贷款给客户。该央行实行负利率,是为了一种目的性很强的操作。因此,负利率并不是一个非此即彼的命题。其次,即便我们接受一个下限的存在,它也可能不是零。零下限的传统论据是:人们肯定会把存款变成现金,但他们必须把现金存放在某个地方并加以保护。这是要花钱的。美联储一位官员曾说,他估计实际存储的成本介于现金价值的 1至 2之
48、间。这意味着,-1或-2的利率,可能不会引发人们大规模的提现行为。在这个利率水平上,人们和银行还是愿意把多余现金作为存款,而不是把它藏在床下,并雇佣 24 小时保安来看守。存储成本仍意味着一个下限,而这个下限是零以下。最后,央行可能会利用政策阻碍囤积现金的行为。一种极端的做法是,给现金做上标记,并给纸币设定一个到期日,迫使持有者支付一笔相当于负利率的费用。考虑到前面两个论点,可能不必要采取这种做法,因为目前的经济状况不需要施行极端的负利率,但知道这种政策可以在必要时使用是有好处的。那么,央行为何仍对零下限望而生畏呢?这里有几种解释。一种说法是,各国央行行长很怕冒险,不愿踏入之前无人涉足的领域,
49、这就需要一家小型央行(例如瑞典央行)来迈出第一步。还有一种说法是,零利率或负利率可能会吸引投资者购买高风险资产,因为他们十分清楚:一旦经济复苏,这些政策迟早将会逆转。但如果非积极政策导致通胀率剧烈波动,它们也可能会造成金融动荡和财富分配不公。因此,对于各国央行而言,通过调整利率,将通胀预期稳定在一个理想的水平上通常是最佳做法,哪怕有时候需要有力的政策行动。然而,要想让任何此类政策令人信赖并获得成功,都需要一个前提条件,央行必须采取对称性行动。当经济复苏、通胀压力上升时,央行必须同样有力地上调利率。因此,如果你认为现在应该是负利率的话,那么你也应该承认,几年之后,利率可能会升至很高的正值。虽然我
50、本人完全信任瑞典央行,但我怀疑其他所有央行是否有这个勇气。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