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1、山东省山东省 20232023 年银行招聘之银行招聘综合知识模拟题年银行招聘之银行招聘综合知识模拟题库及答案下载库及答案下载单选题（共单选题（共 5050 题）题）1、经过对账，如果开户单位账面余额与银行分户账余额不符，可通过（）核对出差额，进行查对。A.调节表B.余额调节表C.未达账项调节表D.银行对账单【答案】B2、It is difficult to know why a work of art produces some emotions，but it has been known for a very long time that paintings，music andpoetry
2、have the power to touch us，to repel us and to_intensepleasure or displeasure.A.riseB.ariseC.raiseD.arouse【答案】D3、当利率下降，对消费者的影响是（）。A.刺激消费，减少储蓄B.刺激消费，刺激储蓄C.抑制消费，抑制储蓄D.抑制消费，刺激储蓄【答案】A4、计算机的硬件主要包括中央处理器(CPU)、输入设备、输出设备和（）。A.键盘B.鼠标C.存储器D.显示器【答案】C5、资料：Poor health is not only damaging to employees,it isdetrime
3、ntal 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 of
4、fering 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】B6、资料：What if you were told there was a way you may
5、strengthenyour cognitive skills and heighten your intelligence,and all you hadto do was was learn to strike up basic conversations in anotherlanguage?A.Strengthen your cognitive skillsB.Improve your basic conversationsC.Begin to learn a foreign languageD.Talk with others as often as possible【答案】C7、I
6、 have a presentation this morning,and I need to prepare copies ofthe report for all the（）.A.engineersB.attendeesC.board of directorsD.Faculties【答案】B8、资料：Some companies are more creative in their use of historythan others.HSBCs History Wall,a striking art installation at thebanks London headquarters,
7、is made up of 3,743 images drawn fromthe banks archives and arranged in chronological order.A.He is the sole author of“Authenticity”B.He encourages firms to look for typical events from archivesC.He loves the cobalt-blue glassed of Ritz-Carlton hotel very muchD.He also believes that younger firms ca
8、n use history as well【答案】B9、Passage 4A.a form of gamblingB.a way of making money quicklyC.useful and necessaryD.old-fashioned【答案】C10、If we had followed his plan,we would have done the job with（）money and（）people.A.fewer,lessB.less,lessC.less,fewerD.fewer,fewer【答案】C11、企业溢价发行股票时，超过股票面值的部分计入（）。A.盈余公积B.
9、实收资本C.资本公积D.留存收益【答案】C12、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 comfort existing foreign tale
10、ntsC.To attract new talentsD.To stimulate local economy【答案】B13、资料：No matter how carefully you pick the members on yourteam,you may still end up with a negative employee.These workersdont necessarily fall into the category of“toxic,”but theyrejust kind of a drag with their cynical,pessimistic worldvi
11、ew.If youre dealing with a negative employee,here are 3 steps to take.A.low incomeB.Family stressC.heavy workloadD.Unsatisfacation at the office environment【答案】B14、财政收支对货币供应量的最终影响，取决于（)。A.财政结余B.财政收支平衡C.财政支出D.财政收支状况及平衡方法【答案】D15、I prefer to take a plane rather than_a train.A.tookB.takenC.takesD.take【答
12、案】D16、The special deal offered by our supplier will last only for a（）time.A.limitedB.minorC.partialD.lower【答案】A17、Uranus,_ is much more massive than the Earth,seems tohave been tipped over so that it lies on its side.A.whatB.whoC.thatD.winch【答案】D18、The _ to build up space stations on the Mars is,if
13、wecannot say it is impossible,at least very hard to fulfill.A.admirationB.ambitionC.administrationD.orientation【答案】B19、资料：According to our research,Best Buy in China was perceivedas being too expensive,with many of their products priced higherthan in local markets.Why buy a Sony DVD player or Nokia
14、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.Shopping at neighborhood stores are more of Chinese consumersshopping habitB.Large flagship st
15、ores are unpopular in ChinaC.Americans do not like small,conveniently located retail outletsD.government ban on free shopping bags has dampened Chinese buyersenthusiasm【答案】A20、资料：Its almost considered sacrilegious today to leave work atthe end of your workday or（for shame！）on a Friday and simply not
16、check your work email again until you return the office during normalworking hours。A.They are inconsistent about the attitude toward after hours emailsB.They both push the employees to be available all the timeC.They are consistent about the attitude towards after hours emailsD.They both dont mean t
17、o stress the employees out【答案】A21、Could you tell me what time the train leaves Hefei for Beijing?一 Im afraid you need to _on the internet.A.look for itB.look at itC.look it overD.look it up【答案】D22、Passage 5A.poor quality rails and unreliable stopping systemsB.lack of financial support for developmen
18、tC.limited railroad linesD.lack of a transcontinental railroad【答案】A23、The river is already _its banks because of the excessiverainfall;and the city is threatened with a likely flood.A.parallel toB.level inC.flat onD.flush with【答案】D24、下列机关中属于国家行政机关的是（）。A.国家审判机关B.司法行政机关C.人民政协D.企业人事部门【答案】B25、Passage 8A
19、.to help a wound to dryB.to covers a rough surfaceC.damages some of the small side branchesD.allows too many branches to grow in the middle【答案】B26、资料：In the United States of America,banks are categorized intothe federally-chartered bank which received their charter from theOffice of the Comptroller
20、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 organizational structure ofCommerc
21、ial Banks,which include unit banking,group banking andbranch banking.A.FRAB.Laws of statesC.FedD.OCC【答案】C27、资料：Special needs students can not only learn from regulareducation teachers,but can participate in collaborative learningwith mainstream students as well.Collaborative learning allowsstudents
22、to work together in groups to complete lessons andassignments.A.Task mastering students work on a teacher-assigned taskB.It involves four-person teamsC.Each student in the group acts as an“expert”D.teacher-assigned task is divided into equal parts【答案】A28、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】A29、资料：Pl
23、acing the right type of workers in close proximity toeach other can generate up to a 15 percent increase in organizationalperformance，according to the study from Cornerstone On Demand，aprovider of cloud-based learning and talent-management software，andresearchers at Harvard Business School in Massac
24、husetts.Forbusinesses with 2，000 employees,this translates into an additional$1 million in profit each year，the study said.A.The reason for better performancesB.The impact of seating employees close to each otherC.The findings of seating different categories of peopleD.All above【答案】C30、Many English
25、boys go to boarding school at the age of seven.Theyusually（）quickly and are very happy.A.get alongB.carry onC.bring upD.settle down【答案】D31、The empirical evidence suggests that_extra working hours canhave positive effects on labor market outcomes,while othersreporting zero or negative effects.A.absor
26、bingB.adoptingC.abolishingD.abandoning【答案】D32、总分类账户与明细分类账户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.根据同一会计凭证登记D.由同一人员进行登记【答案】C33、“Well done,Cassandra.”Crook said.She blushed,but accepted the（）with good grace.A.commenceB.compromiseC.compensateD.compliment【答案】D34、The companys profits a
27、re_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】A35、资料：Poor health is not only damaging to employees,it isdetrimental to businesses.Corporations pay a heavy cost for stress-related illnesses,such as
28、hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.DevastatingB.DeleteriousC.HarmfulD.Destructive【答案】B36、A（n）_ five years ago,Pangkor boasted sweet-singing birds.Now the jungle is being cut down.A.justB.mereC.onlyD.simple【答案】B37、If English means endless new words，difficult gramm
29、ar andsometimes strange pronunciation，you are wrong.Havent you noticedthat you have become smarter since you started to learn a language?A.people who can speak two languagesB.second language learnersC.researchers on language learningD.active language learners【答案】A38、某商场进货一批家用小电器，每件的利润率是 50%（利润率=利润/售
30、价100%），促销当天卖出了全部的 1/3，得利润 1500 元，后续一周卖出余下的1/5，得利润 600 元，已知剩下的商品数量是 120 个，则这批家用小电器的售价是（）元。A.20B.30C.40D.10【答案】C39、Most of us entirely value human life，_ some peoplethink of animals as being equally important.A.andB.orC.butD.unless【答案】C40、Buses have routes.They（）and（）people at differentplaces on the r
31、outes.A.take on,get offB.pick up,drop offC.take up;take offD.pick out;drop out【答案】B41、资料：2014 has been a landmark year for Alibaba.Just last week,the Chinese e-commerce juggernaut set a world-record selling US$9.3Billion worth of goods in 24 hours on Singles Day.A few months back,Alibaba claimed the
32、 title of the worlds biggest IPO,raising US$25Billion on the NYSE.Things will only get bigger for Alibaba.A.It is the largest online payment service provider in ChinaB.It has sold more than US$9 Billion worth of goods in 24 hours onSingles DayC.It has a strong social responsibilityD.It is the worlds
33、 biggest IPO【答案】C42、Happiness is subjective，and one that we may not be able toaccurately_across all countries.But that obviously isnt goingto stop anyone from trying。A.tryB.trackC.divideD.follow【答案】B43、The computers mouse permit the computer operator_thecursor on the video display.A.moveB.movingC.to
34、 moveD.is moving【答案】C44、Passage 1A.The economic growth is turning betterB.The world economic growth is plungingC.The IMFs forecasts on world economy sometimes are too optimisticD.The economic growth of the emerging world remains the same【答案】C45、分子生物学的研究表明（）。A.细胞是遗传信息的载体B.细胞核是遗传信息的载体C.DNA 是遗传信息的载体D.细
35、胞壁是遗传信息的载体【答案】C46、资料：Tencent Holdings Ltd has announced that it will fully openup its big data 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
36、 better understanding of their clients and improvetheir products.A.Tencent is offering cloud 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】B
37、47、填入括号中最恰当的一项是（）。A.发表，独树一帜B.抒发，独出心裁C.发表，别具一格D.抒发，别有用心【答案】B48、Therefore,individuals may attend higher education to avoidor_their required military service.A.cancelB.postponeC.refuseD.display【答案】B49、Passage 2A.Its statistics look embarrassingB.It is invalid in terms of methodologyC.It deserves our cl
38、osest attentionD.Its conclusion is purposely exaggerated【答案】B50、下列说法不正确的是（）。A.鲁迅是中国现代文学的奠基人B.郭沫若的女神是现代文学史上第一篇白话文C.田汉是中国现代戏剧的奠基人D.巴金是现代家族小说的开拓者【答案】B多选题（共多选题（共 2020 题）题）1、写作“报告”应注意的问题是（）。A.陈述事实要清楚扼要B.表达观点要精炼清晰C.语言要简洁朴实D.引文不能断章取义【答案】ABC2、下列可以简化登记总账工作量的会计核算组织程序有（）。A.记账凭证核算组织程序B.日记总账核算组织程序C.科目汇总表核算组织程序D.
39、汇总记账凭证核算组织程序【答案】CD3、劳动力价值一般由以下（）部分构成。A.维护劳动者自身所需要的费用B.劳动者自身培训教育费用C.劳动者享受所需要的费用D.劳动者后代生存所必要的生活费用【答案】ABD4、存款类金融机构会计凭证按使用范围分为（）。A.基本凭证B.特定凭证C.一般凭证D.重要凭证【答案】AB5、办理储蓄业务，应当遵循（）的原则。A.存款自愿B.取款自由C.存款有息D.为存款人保密【答案】ABCD6、党的十七大报告指出，（）是发展中国特色社会主义的基本要求。A.科学发展B.社会和谐C.解放思想D.改革开放【答案】AB7、根据审计工作底稿的性质和作用，可将其分为()。A.综合类工
40、作底稿B.业务类工作底稿C.备查类工作底稿D.明细类工作底稿【答案】ABC8、在 Excel 中，有关行高的表述正确的是（）。A.整行的高度是一样的B.行增高时，该行各单元中的字符也随之自动增高C.一次可调整多行的行高D.不调整行高的情况下，系统默认设置行高自动以本行中最高的字符为准【答案】ACD9、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
41、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.负债性B.风险性C.盈利性D.竞争性【答案】ABCD10、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】BCD11、在通货膨胀中，最大利益受损者主要包括（）。A.商人B.固定利息债权人C.农民D.国家公务员【答案】BD12、下列各项中，属于使用不正当手段吸收存款的做法是（）。A.以散发有价馈赠品为条件吸收储蓄存款B.发放各种名目的揽储费C.利用不确切的广告宣传D.利用各种名目多付利息、奖品或其他费用【答案】ABCD13、存款类金融机构
42、会计凭证按使用范围分为（）。A.基本凭证B.特定凭证C.一般凭证D.重要凭证【答案】AB14、关于无差异曲线特征的说法，正确的有（）。A.无差异曲线从左向右上倾斜B.离原点越远的无差异曲线，消费者的偏好程度越高C.任意两条无差异曲线都不能相交D.无差异曲线是凸向原点的E.无差异曲线斜率为负【答案】BCD15、前景理论是由卡尼曼通过修正最大主观期望效用理论发展而来的。由该理论引申出以下四个基本结论，其中正确的是（）。A.大多数人在面临损失的时候是风险喜好的B.大多数人对得失的判断往往根据参考点决定C.大多数人对损失比对收益更加敏感D.大多数人在面临获利的时候是风险规避的【答案】ABCD16、上海
43、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.当股票市价 P0 时，可继续持有该只股票B.当股票市价 P0 时，可买进该只股票C.当股票市价 P0 时，可卖出该只股票D.当股票市价=P0 时，可继续持有或抛出该只股票【答案】ABCD17、()，必须对企业的财产物资进行全面清查。A.企业单位撤销、合并、破产清算或改变隶属关系B.单位主要领导调离工作前C.发生火灾，企业购进的原材料部分受损D.年终决算之前【答案】ABD18、一般性货币政策工具包括（）。A.存款准备金政策B.再补贴C.公开市场操作D.窗口指导【答案】ABC19、下列物权中属于担保物
44、权的有（）。A.典权B.抵押权C.留置权D.地役权【答案】BC20、商业银行的职能包括（）。A.信用中介B.信用创造C.支付中介D.金融服务【答案】ABCD大题（共大题（共 1010 题）题）一、请仔细阅读以下材料：在“建设资源节约型、环境友好型社会”的专题学习中，某中学 5 名同学围绕“废旧电池回收和处理的现状与对策”课题。组成探究小组。他们利用课余时间，通过问卷、走访、查阅文献、上网等方法对废旧电池回收和处理现状进行了调查。同学们发现：第一，废旧电池会污染环境，1 节一号电池烂在地里，会使 1 平方米的土壤永久污染；1 粒纽扣电池可使600 吨水无法饮用，相当于 1 个人一生的饮水量。第二
45、，中国每年消耗电池 70多亿只。中学生使用随身听、复读机、电子词典等，是电池消耗大户，人均年消耗电池 50 节以上。同学们了解到，第一，目前废旧电池回收率不到 2。有近八成的人认为废旧电池回收活动“与自己无关”或“没时间参加”，有 87的人将废旧电池与生活垃圾一起丢弃。第二，目前收集来的废旧电池主要由环保部门集中填埋，但填埋并不能彻底控制废旧电池的污染。同学们还了解到，提取废旧电池中的有用材料加以再利用，不仅符合我国节约资源和保护环境的基本国策，而且有可观的经济效益。据估算，处理 10 万只废旧电池，可获利 2万元左右。但企业对处理废旧电池没有积极性。因为，进 13 处理废 113 电池的机器
46、价格昂贵。并且，一台机器每日可处理几吨废旧电池，本地的废旧电池不够它“吃”几天，导致生产能力闲置，亏本运营。假如你现在加入该探究小组，请继续探究以下问题：运用经济常识，就废旧电池的回收和处理问题，向政府有关部门提出建议。【答案】(1)从实施可持续发展战略的高度，重视废旧电池的回收、处理和再利用。(2)运用财政、金融和税收等经济手段，引导有关企业和消费者的行为，搞好废旧电池的回收、处理和再利用。(3)制定并严格执行有关法规，规范废旧电池的回收和处理。(4)运用行政手段，加强管理和监督。二、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
47、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
48、】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
49、司作为真实签章人应依票据文义承担票据责任。三、甲、乙两国有企业与另外 9 家国有企业拟联合组建设立“光中有限责任公司”(以下简称光中公司)，公司章程的部分内容为：公司股东会除召开定期会议外，还可以召开临时会议临时会议须经代表 12 以上表决权的股东，12以上的董事或 12 以上的监事提议召开。在申请公司设立登记时，工商行政管理机关指出了公司章程中规定的关于召开临时股东会议方面的不合法之处。经全体股东协商后，予以纠正。1996 年 3 月，光中公司依法登记成立，注册资本为 1 亿元，其中甲以工业产权出资，协议作价金额 1200 万元；乙出资 1400 万元，是出资最多的股东。公司成立后，由甲召集
50、和主持了首次股东会会议，设立了董事会。1996 年 5 月，光中公司董事会发现，甲作为出资的工业产权的实际价额显著低于公司章程所定的价额，为了使公司股东出资总额仍达到 1 亿元，董事会提出了如下解决方案：由甲补足差额，如果甲不能补足差额，其他股东不承担任何责任1997 年 5 月，公司经过一段时间的运作后，经济效益较好，董事会制定了一个增加注册资本的方案，方案提出将公司现有的注册资本由 l 亿元增加到 15 亿元。增资方案提交股东会讨论表决时，有 7 家股东赞成增资，7 家股东出资总和为 5830 万元，占表决权总数的 417。股东会通过增资决议，并授权董事会执行。2001 年 3 月，光中公