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1、山西省山西省 20232023 年银行招聘之银行招聘综合知识通关试年银行招聘之银行招聘综合知识通关试题库题库(有答案有答案)单选题（共单选题（共 5050 题）题）1、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 o
2、f big data analysis tools developed by Tencent,helping them gain a better understanding of their clients and improvetheir products.A.To develop cloud servicesB.To help enterprises gain a better understanding of their clientsand improve their productsC.To become a part of the internet ecosystemD.To s
3、tore and analyze more data【答案】B2、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】C3、资料：As a startup founder,my daily tasks include everything fromlong-term strategic planning to approving team outings and companycultu
4、re initiatives.Day after day,things inevitably come up thatneed to get handled ASAP.But Ive also learned that if you donthave a strategy for making time for those bigger ambitions and yourtruly lofty goals,theyll simply never get done.And that means youwont make the progress thats really going to mo
5、ve your businessforward.A.The author may talk about the administration systemB.The author may teach the readers to make a timetableC.The author may put forward another suggestionD.The author may discuss the office environments【答案】C4、资料：Now you are preparing a report for the business negotiationwhich
6、 will be held next Friday.A.AB.BC.CD.D【答案】D5、The more diverse knowledge one understands and actively absorbs,the probability of finding useful and _discoveries.A.novelB.conventionalC.rebelliousD.narrative【答案】A6、The companys production has been put on the right _.A.orbitB.courseC.routeD.track【答案】D7、二
7、战后第一个圣诞节来临之际，美国雷诺公司看准这个时机，从阿根廷引进了美国人从未见过的圆珠笔并很快形成了规模生产。当时每支圆珠笔的生产成本只有 05 美元，雷诺公司通过对市场的充分研究后认为 j 圆珠笔在美国属于首次出现，奇货可居，又值圣诞节，应用高价格引导，刺激消费。于是，公司决定以 10 美元批给零售商，零售商则以每支 20 美元卖给消费者。事情果然如预测的那样，圆珠笔尽管以生产成本 40 倍的高价上市，但是立刻以其新颖、奇特、高贵的魅力风靡全美国。虽然后来跟风者蜂拥而至，生产成本降到了 01美元，市场价也跌倒了 07 美元，但雷诺公司早已狠狠地赚了一大笔。雷诺公司的这种定价方式属于（）。A.
8、撇脂定价B.渗透定价C.心理定价D.差别定价【答案】A8、To check the_of these results,we perform two differentempirical exercises.A.integrityB.perfectionC.temperamentD.reliability【答案】D9、资料：Many people think of internal control as a means ofsafeguarding cash and preventing fraud.Although internal control isan important factor
9、in protecting assets and preventing fraud,thisis only a part of its roles.Remember that business decisions arebased 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.Manu
10、als of accounting policies and proceduresD.Organization charts【答案】B10、西欧中世纪庄园与东汉后期庄园的共同点是（）。A.主人和农民之间有雇佣关系B.具有商品货币关系C.有自营地和份地的区分D.自给自足的经济体【答案】D11、（）out of the window,I saw a bus.A.Have lookedB.LookC.Being lookedD.Looking【答案】D12、Passage 1A.pay off all her debtsB.handle her money betterC.find a job in
11、 a bankD.manage the family income【答案】B13、You would imagine that sleeping was a quiet and peacefulexperience but in reality，our brains are more active during somestages of sleep than when we are_。A.wakeB.awakeC.wakenD.awaken【答案】B14、资料：As a startup founder,my daily tasks include everythingfrom long-te
12、rm strategic planning to approving team outings andcompany culture initiatives.Day after day,things inevitably come upthat need to get handled 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.A
13、nd that meansyou wont make the progress thats really going to move your businessforward.A.How to manage your time wellB.How to overcome different challenges in the officeC.How to win competitions and get promotionsD.How to prevent distractions and focus on big issues【答案】A15、Passage 8A.cause it can m
14、ake trees grow tallerB.Because it can improve the shape of the treesBBecause it can getrid of the small ranchesC.Because it can make the small branches thicker【答案】B16、Children who have negative relationships with their parents oftendevelop_problems including low academic achievement，negativesocial r
15、elationships，and delinquency。A.domesticB.influentialC.diverseD.identical【答案】C17、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 ASAP.But
16、 Ive 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 thatmeans you wont make the progress thats really going to move yourbusiness forward.A.When you are most focusedB.When there is no distractionsC.Lat
17、e at nightD.Bright and early in the morning【答案】A18、资料：Above the line promotion uses mass media such as thepress,radio,television,cinema or poster sites.This type of promotionis usually paid for.Each of the possible media methods can be usedto target audiences in different market segment.There are bo
18、thstrengths and drawbacks to these forms of media:A.by registering their support on the internetB.by applying for a job in UNISONC.by distributing newspaper adverts to people in the communityD.all above【答案】A19、在智能手机的配置中，“ROM”指的是（）A.闪存B.运行内存C.只读内存D.随机存储内存【答案】C20、下列关于会计报表附注披露的说法错误的是（）。A.能够满足会计信息使用者对于会
19、计信息需求的变化B.使用者只是要求披露财务信息C.使用者要求更多地披露非财务信息D.使用者关注经营战略信息【答案】B21、Im sorry,Im late.My car had a _.A.pureeB.punctureC.pythonD.pane【答案】B22、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 N
20、ations report published onThursday.A.the economic development of China is importantB.the role of some developing countries is significant for povertyreductionC.14 countries are developing faster than ChinaD.it is crucial to make a clear goal first【答案】B23、下列属于反映企业财务状况的会计要素是（）。A.收人B.所有者权益C.费用D.利润【答案】B
21、24、New employees should spent more of their time on_duties.A.exceptionalB.professionalC.intentionalD.additional【答案】B25、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 cau
22、ses ofpoverty in order to find solutions to the problem.A.poor people are bound to go out of the poverty line if they havechances to do businessB.welfare will enable people to be richC.employment is the best solution to the poverty problemD.better solutions to the poverty problem are not found yet【答
23、案】D26、资料：The societal marketing concept questions whether the puremarketing concept overlooks possible conflicts between consumersshort-run wants and consumer long-run welfare.Is a firm thatsatisfies the immediate needs and wants of target markets alwaysdoing whats best for consumers in the long run
24、？The societalmarketing concept holds that marketing strategy should deliver valueto customers in a way that maintains or improves both the consumersand societys well-being.A.To introduce the flourishing bottled water industryB.To explain about the societal marketing conceptC.To discuss environmental
25、 problemsD.To explain about the pure marketing concept【答案】B27、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】C28、影响金融市场长期走势的唯一因素是（）。A.宏观经济因素B.行业发展状况C.企业经济效益D.国际经济形势【答案】A29、关于法定利率与市场利率关系的说法。错误的是（）。A.法定利率对市场利率有重要的影响B.市场利率随法定利率的变化而变化C.市场利率与法定利率变化完全一致D.市场利率是确定法定利率的重要依据【答案】C30、It was essential that
26、the application forms _ back before thedeadline.A.would be sentB.were sentC.be sentD.must be sent【答案】C31、While the preliminary research is favorable,it may take yearsfor Bogor Pharmacouticals to develop _ evidence of the drugseffectiveness.A.conclusionB.concludeC.conclusiveD.concludes【答案】C32、资料：No m
27、atter 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 worldview.If youre dealing with a negative employee,here are 3 steps to take.
28、A.Three Way to Build an Effective TeamB.How to be a Positive EmployeeC.Is it Important to Sustain a Successful Workplace EnvironmentD.Several Tips for Managing a Team【答案】A33、资料：Directions:There is 1 passage in this part.The passageis followed by some questions or unfinished statements.For each ofthe
29、m there are four choices,You should decide on the best choice.A.They have concerns of the security and convenience of FaceIDB.They don t believe iPhone X s FaceID can successfully unlock aphone every timeC.They have doubts of its technique to overcome variable lighting andsubtle change of the users
30、faceD.They are mainly worried about the smartphone s accuracy【答案】B34、资料：Early ExperiencesA.streamlined interfaceB.free of redundant functionalityC.Benefit the customersD.Satisfy all the need of the customers【答案】D35、拉动国内生产总值 GDP 增长的“三驾马车”不包括（）。A.投资B.消费C.税收D.净出口【答案】C36、资料：Anything that affects the smo
31、oth flow of information isknown as noise.This might be,for example,the language used,an inappropriate use of technology or the different levels of skill andknowledge of the sender and receiver.For example,every day in thepress and on TV,consumers are bombarded with often confusing orcontradictory in
32、formation about the health benefits or risksassociated with different foods.Consumers may not have enoughunderstanding or information to judge between conflicting messages.It is therefore not surprising that many people do not hear thesemessages and switch off.A.because they may not have enough unde
33、rstanding or informationB.because the messages are spread on newspapersC.because they care more about health risks associated with differentfoodsD.not mentioned【答案】A37、资料：In the business environment nearly all individuals withinan organization will belong to one or more groups or teams.A.express cle
34、arly the common goal of the teamB.allow the team leader to make final decisions after discussionsC.create a team randomlyD.monitor the progress of the team【答案】C38、下列行为中，正确的是（）。A.体育课扭伤踝部，应立即帮助揉搓，防止淤血B.笔记本电脑起火时，应首先选用二氧化碳灭火器C.野炊时，可以食用野外生长的颜色灰暗的类似牛肝菌的蘑菇D.洗澡时，电热水器的电源应保持畅通【答案】B39、资料：The poverty line is th
35、e 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 order to find solutions to the problem.A.ConfidenceB.AbilityC.DiligenceD.Willpowe【答案】D40、资料：Early ExperiencesA.To determine whe
36、ther the product is user-friendlyB.To see if the process is simple enough for users to understandC.To learn about users perspectiveD.To cancel a process or navigate to a specific function or location【答案】D41、经常项目账户的顺差意味着(）。A.出口大于进口B.出口小于进口C.出口等于进口D.出口的增加大于进口增加【答案】A42、对实际现金流进行折算时，使用（）。A.名义利率B.税前利率C.通胀
37、率D.实际利率【答案】D43、3+14+35+146+555+854+965+986+997=（）。A.3555B.5000C.4000D.4555【答案】D44、资料：The Oakview CafeA.Purchase tickets for an eventB.View a full dinner menuC.Listen to samples of musicD.Read reviews of a performance【答案】B45、资料：Poor health is not only damaging to employees,it isdetrimental to busines
38、ses.Corporations pay a heavy cost for stress-related illnesses,such as hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.It is helpful to the company if the employers can lay off employeeswith health issuesB.Company discount on gym memberships will surely improve employeesfrequ
39、ency of exerciseC.Most Americans have suffered from stress-related illnessesD.To make sure that the employees are aware of the importance ofphysical and mental health is essential to promote good health in acompany【答案】D46、2017 年 4 月份，某省规模以上食品工业增加值同比增长 15.0%，比全省规模工业平均水平高 9.4 个百分点。其中，农副食品加工业增长 14.0%，食
40、品制造业增长 18.6%，酒、饮料和精制茶制造业增长 13.9%。14 月，规模以上食品工业产值累计增长 11.6%，增幅比全省规模工业平均水平高 4.5 个百分点。A.0B.1C.2D.3【答案】C47、个企业的公文从来源上分可分为（）。A.绝密性公文和公开性公文B.般性公文和特殊性公文C.来文和发文D.上行文和下行文【答案】C48、We could be sliding into an extraordinary recession unless we_ the economy immediately.A.inspireB.stimulateC.temptD.distract【答案】B49
41、、Renewable electricity generation is now on par with _ ofnatural gas,which remained relatively stable in last years.A.the oneB.whichC.thatD.what【答案】C50、资料：As more personal business is conducted through smartphonedevices,more users are implementing security measures for theirdevices,according to a re
42、cent survey by Harris Poll and commissionedby the CTIA.A.Developers and device manufacturers are becoming more aware ofsecurity featuresB.Lack of security features could result in negative consumerattitudesC.Smartphone users are becoming more aware of security featuresD.Smartphone users are becoming
43、 more aware of government surveillance【答案】C多选题（共多选题（共 2020 题）题）1、与股票相比，债券的明显特点在于（）。A.规模小B.风险小C.风险大D.安全性高E.收益髙【答案】BD2、以下（）业务必须到开户银行网点办理。A.存折类储蓄存款的销户B.个人通知存款的预约、支取C.定期储蓄存款的部分提前支取D.口头挂失【答案】ABC3、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
44、采取卫生检疫，限制国外化妆品的进口【答案】ABCD4、下列业务必须由储户本人持有效身份证件办理，不允许他人代理的是（）。A.书面挂失B.密码重置C.个人存款证明D.存折毁损补发【答案】BC5、会计核算的基本原则包括()。A.会计核算以持续、正常的经营活动为前提B.会计核算遵循权责发生制原则C.会计核算遵循及时性原则D.会计核算遵循真实性原则【答案】ABCD6、计算机在工作过程中突然断电，不会丢失所保存信息的存储介质是（）。A.光盘B.硬盘C.只读存储器D.内存【答案】ABC7、某商店衣服标明“正在出售”，并且标识了价格，则“正在出售”的标识不能视为（）。A.要约邀请B.要约C.承诺D.既是要约
45、又是承诺【答案】ACD8、某企业 2008 年相关收人及支出情况如下：营业收入 600000 元，营业成本350000 元，销售 费用 15000 元，管理费用 20000 元，财务费用 18000 元，投资收益 50000 元，营业外收入 35000 元，营业外支出 12000 元，资产减值损失25000 元。下列关于该企业 2008 年的营业 利润总额，错误的是（）元。A.222000B.197000C.247000D.245000【答案】BCD9、当前中国经济正在发生的三个根本性转变是（）。A.经济发展方式的根本性转变B.经济体制的根本性转变C.从城乡二元经济到现代经济结构的根本性转变D
46、.单一公有制到混合所有制的根本性转变【答案】ABC10、()，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】ABD11、下列关于行业生命周期成长期的描述中，正确的有（）。A.利用专利或其他扩产和降低成本的方式设置进入壁垒B.重点关注效率、成本控制和市场细分C.竞争对手较少D.净现金流量较小【答案】AD12、关于附条件的合同和附期限的合同，下列说法正确的有（）。A.附生效条件的合同，自条件成就时生效，当事人为自己的利益不正当地阻止条件成就的，视为条件已成就B.附解除条件的合同
47、，自条件成就时失效，当事人为自己的利益不正当地促成条件成就的，视为条件不成就C.附生效期限的合同，自期限届至时生效D.附条件期限的合同。自期限届满时失效【答案】ABCD13、下列各项中，构成企业留存收益的有（）。A.资本溢价B.未分配利润C.任意盈余公积D.法定盈余公积【答案】BCD14、公文上可证实公文作者合法性、真实性及公文效力的标志有（）。A.文头B.签发人C.印章D.签署【答案】CD15、李某(22 岁)伙同其弟(15 岁)共同实施诈骗行为，骗取大量财物，则（）。A.二人构成共同犯罪B.李某单独构成诈骗罪C.李弟不构成犯罪D.李弟构成犯罪【答案】BC16、按审计活动执行主体的性质分类，
48、审计可分()。A.政府审计B.外部审计C.独立审计D.内部审计【答案】ACD17、现金日记账的登记依据有（）。A.现金收支的原始凭证B.现金收款凭证C.现金付款凭证D.银行存款付款凭证E.现金结余凭证【答案】BCD18、下列关于地震说法正确的是（）。A.地震波分为纵波和横波，纵波传播速度较慢，能引起地面上下跳动，横波传播速度较快，能引起地面水平晃动B.一般情况下，地震时地面总是先上下跳动，后水平晃动，两者之间有一个时间间隔C.一般情况下，地震时震中附近震动最大.破坏性也最严重D.震级是地震强度大小的度量，它与地震所释放的能量有关，震级每差 1.0级，能量相差大约 32 倍.相差 2.0 级.能
49、量相差约 1000 倍【答案】BCD19、商业银行资产负债管理的基本原则有（）。A.速度对称原则B.目标互补原则C.结构对称原则D.规模对称原则【答案】CD20、在符合马歇尔一勒纳的条件下，人民币升值对我国意味着（）。A.出口增加B.进口增加C.出口减少D.出口增加【答案】BC大题（共大题（共 1010 题）题）一、2007 年 7 月 1 日，人民法院裁定受理债务人甲公司的破产申请，并指定某律师事事务所担任破产管理人。(1)破产案件的诉讼费用为 100 万元，管理、变价和分配债务人财产的费用为 20 万元管理人的报酬为 30 万元。(2)甲、乙公司签订了 200 万元的买卖合同，人民法院受理
50、破产申请时，双方均未履行。管理人请求乙公司继续履行合同，乙公司依约发货。(3)2007 年 5 月，甲公司财产遗失，无因管理人王某要求甲公司支付必要的费用 10 万元。2007 年 7 月1013，甲公司财产再次遗失，无因管理人张某要求甲公司支付必要的费用 20 万元。(4)人民法院受理破产申请后，管理人决定甲公司继续营业，应支付的劳动报酬和社会保险费用合计 180 万元。要求：根据破产法律制度的规定，分别回答下列问题：(1)破产费用合计为多少万元?(2)共益债务合计为多少万元?(3)如果债务人财产只有 200 万元，乙公司可以获得清偿多少万元?【答案】(1)破产费用合计为 150 万元。(2