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1、湖南省湖南省 20232023 年银行招聘之银行招聘综合知识题库练年银行招聘之银行招聘综合知识题库练习试卷习试卷 B B 卷附答案卷附答案单选题（共单选题（共 5050 题）题）1、在 LM 曲线的凯恩斯区域，（）。A.货币政策有效B.财政政策有效C.财政政策无效D.财政政策和货币政策同样无效【答案】B2、资料：Placing the right type of workers in close proximity to eachother can generate up to a 15 percent increase in organizationalperformance，accordi
2、ng to the study from Cornerstone On Demand，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.The reason for b
3、etter performancesB.The impact of seating employees close to each otherC.The findings of seating different categories of peopleD.All above【答案】C3、A _of the subjects structure and its relationship toother subjects should be acquired before the literature is approached.A.gripB.graspC.grabD.snatch【答案】B4
4、、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 hypertension,gastrointestinal problems,and substance abuse.says Rubin.A.build motivation and a support systemB.encourage breaks to do exerciseC.build a
5、kitchen so that the employers could make healthy mealsD.All above【答案】D5、在单一客户授信限额管理中，商业银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】B6、我国历史上第一个统一的中央集权制的封建国家是（）。A.夏B.商C.秦D.汉【答案】C7、资料：The increasing amount of personal information that can becollected by computer programs that trac
6、k how people use Facebook hasbeen revealed by an extensive academic study.A.The study draws peoples attention for private informationB.information can be predicted correctly in the studyC.some personal information may be collected and used by somecompaniesD.if people attempt to keep personal informa
7、tion private,things willchange【答案】C8、“Now you（）foolish,lady Anne,”complained Joan in theslightly joking way.A.are beingB.beingC.areD.were being【答案】A9、It is requested that an applicant whose undergraduate work is doneat another institution（）two copies of undergraduate transcriptsand degrees directly
8、to the dean of the graduate school.A.must sendB.sendC.are to sendD.need send【答案】B10、新文化运动兴起的标志是（)。A.李大钊发表庶民的胜利B.“兼容并包”方针的提出C.陈独秀在上海创办新青年D.鲁迅发表狂人日记【答案】C11、资料：Business,academic and civic leaders in Cambridge havewarned that one of Britains major economic growth cities is underthreat unless the governm
9、ent acts quickly to restore trust post-Brexit.A.Serious unemploymentB.WarsC.Foreign talents drainD.Social instability【答案】C12、关于本票的说法，正确的是（）。A.本票出票人资格必须由中国人民银行审定B.本票的必须记载事项包括付款人C.本票自出票日起，付款期限最长不超过 1 个月D.本票是自付票据【答案】D13、资料：Procrastination comes in many disguises.We might resolveto tackle a task,but fin
10、d endless reasons to defer it.We mightprioritize things we can readily tick off our to-do list-answeringemails,say-while leaving the big,complex stuff untouched foranother day.We can look and feel busy.while artfully avoiding thetanks that really matter.And when we look at those rolling,longuntouche
11、d items at the bottom of our to-do list,we cant help butfeel a little disappointed in ourselves.A.We prioritize the to-do list and finish the task in timeB.We prioritize and only do things that can be done easily andquicklyC.We look busy but avoid the task that really mattersD.We find endless reason
12、s to defer a task【答案】A14、会计账簿包括总账、()、日记账和其他辅助性账簿。A.明细账B.余额表C.日计表D.统计表【答案】A15、随着生产和生活垃圾的急剧增加，垃圾处理已成为一个重要的社会和经济问题。而有关专家却说垃圾是放错了地方的资源。”将垃圾看成是“放错了地方的资源”这段话（）。A.坚持了联系的观点，世界上一切事物都是相互联系的B.混淆了矛盾主次方面，看不到矛盾主要方面决定事物性质C.坚持了矛盾的分析方法，看到矛盾双方在一定条件下相互转化D.违背了矛盾普遍性和特殊性辩证关系，看不到矛盾的普遍性【答案】C16、在 Excel 提供的 4 类运算符中，优先级最高的是（）
13、。A.算术运算符B.比较运算符C.文本运算符D.引用运算符【答案】D17、Luo Jingyu,19,has four years of experience of running business.Heis also a freshman in the arts department of Hubei University.A.Talented but lazyB.Rich but meanC.Optimistic and generousD.Hard-working and plain-living【答案】D18、下列不属于银行业监管原则的是()。A.独立监管原则B.审慎监管原则C.协调监
14、管原则D.保护投资者利益原则【答案】D19、（）how difficult the situation may seem,it is very importantto remember that there are others who are in worse situations.A.As ifB.Even soC.As thoughD.No matter【答案】D20、Passage 6A.DoubtfulB.ApprovingC.WelcomingD.Optimistic【答案】A21、Passage 2A.A toy trainB.A bottle of whiskeyC.A cam
15、eraD.A cellular phone【答案】A22、随着行业营销费用的增加，刺激消费的力度加大，市场需求一般会随之增大，但当营销费用超过一定水平后，就不能进一步促进需求，市场需求达到极限值，这个极限值被叫做（）。A.市场需求B.企业需求C.市场潜量D.市场最低【答案】C23、Passage 2A.It was challenged by some climate and risk expertsB.It aroused a lot of interest in the scientific circlesC.It was warmly received by environmentali
16、stsD.It caused a big stir in developing countries【答案】A24、How are we to develop new technology if we cant study currenttechnology to figure out how to_it?A.improveB.restC.causeD.conceal【答案】A25、Now that we have an escaped political prisoner on the_,everybody is fighting shy of having anything to do wi
17、th peoplelike you.A.looseB.releaseC.slackD.relax【答案】A26、资料：Do you want to see the world?Then plan to visit the SilverPoseidon Cruises Career Fair on Tuesday,November 15 from 9 a.m.to 4p.m.or Wednesday.November 16 from 5 p.m.to 9 p.m.We are lookingfor food service,entertainers,and maintenances staff
18、to work aboardour many vessels.Free travel is just the beginning when you work forSilver Poseidon Cruises.A.On a cruise shipB.In a factoryC.At a jewelry shopD.At an amusement park【答案】A27、资料：A new Chinese-led international development bank announcedits first four loans on Saturday,pledging to lend$50
19、9 million forprojects to spread electric power in rural Bangladesh,upgrade 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 pr
20、ojects were financially sound andenvironmentally friendly and had been accepted 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
21、 improvedevelpomengt in AsiaC.The Asian Infrastructure Investment Bank will 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】D28、宋朝著名的女词人在她的作品醉花阴中
22、写道“东篱把酒黄昏后，有暗香盈袖，莫道不消魂，帘卷西风，人比黄花瘦。”请问这个女词人是（）。A.朱淑真B.李清照C.卓文君D.花蕊夫人【答案】B29、2021 年 1 月 20 日 00 时 25 分，我国在西昌卫星发射中心用（）运载火箭，成功将天通一号 03 星发射升空。A.长征五号乙B.长征三号甲C.长征四号乙D.长征三号乙【答案】D30、You may also consider options that match your unique_.A.elementsB.developmentsC.requirementsD.comments【答案】C31、已知信息如下：A.甲是销售员B.戊
23、是收银员C.丙是销售员D.丁是经理【答案】C32、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.To require an instant respond for after-hour emailingB.To abandon after-hour
24、emailingC.To tell employees that an after-hours email doesnt necessarilyrequire a responseD.To limit the time of after-hour emailing【答案】D33、资料：Directions:There is 1 passage in this part.The passageis followed by some questions or unfinished statements.For each ofthem there are four choices,You shoul
25、d decide on the best choice.A.To infer that a person s face is highly unlikely to change toanother shapeB.To illustrate that the image stored in the phone cannot be changedif FaceID is compromisedC.To explain the revocation difficulty of FaceID.To enhance the data security on iPhone since it do not
26、sharebiometric information with servers【答案】C34、资料：The federal government on Wednesday recommended anendangered-species listing for the loggerhead turtles in U.S.Waters,a decision that could lead to tighter restrictions on fishing andother maritime trades.Environmental groups who d been pushing anend
27、angered listing said the proposal was a“turning point”they hopewill lead to greater turtle protections.A.Contamination of sea waterB.The inadequate food supplyC.Their lower reproductive abilityD.Unregulated commercial fishing【答案】D35、资料：Procrastination comes in many disguises.We might resolveto tackl
28、e a task,but find endless reasons to defer it.We mightprioritize things we can readily tick off our to-do list-answeringemails,say-while leaving the big,complex stuff untouched foranother day.We can look and feel busy.while artfully avoiding thetanks that really matter.And when we look at those roll
29、ing,longuntouched items at the bottom of our to-do list,we cant help butfeel a little disappointed in ourselves.A.The natural function of our brainB.The other ways to make the benefits of action feel bigger and realC.The other ways to make the benefits of action feel smaller andunrealD.The perils of
30、 procrastination【答案】B36、资料：Good listening is much more than being silent while theother person talks.To the contrary,people perceive the bestlisteners to be those who periodically ask questions that promotediscovery and insight.These questions gently challenge oldassumptions,but do so in a construct
31、ive way.Sitting there silentlynodding does not provide sure evidence that a person is listening,but asking a good question tells the speaker the listener has notonly heard what was said,but that they comprehended it well enoughto want additional information.Good listening was consistently seenas a t
32、wo-way dialog,rather than a one-way“speaker versus hearer”interaction.The best conversations were active.A.Those who periodically ask questions want to take charge of theconversationB.If you give critical opinions,the speaker will be less confidentC.Good listeners should agree with the speakerD.If t
33、he speaker creates a comfortable environment,listeners willbecome confident【答案】B37、改革开放后，在我国北京设立的第一家外资银行代表处是（）。A.日本输出入银行B.花旗银行C.汇丰银行D.荷兰银行【答案】A38、It is of high importance that you _ at the airport on time.A.arriveB.are to arriveC.must arriveD.need to arrive【答案】A39、“十三五”期间，我国森林覆盖率提高到 23.04%，森林蓄积量超过 1
34、75 亿立方米，连续（）保持“双增长”，成为森林资源增长最多的国家。A.20 年B.30 年C.15 年D.25 年【答案】B40、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 e
35、ven an animal,such as a pingeon can learm to recognize faces.We all take thisability for granted.A.his way of speaking and behavingB.his way of acting and thinkingC.his learming and behaviorD.his physical appearance and his personality【答案】D41、存货采用先进先出法进行核算的企业，在物价持续上涨的情况下将会使企业（）。A.期末库存成本升高.当期损益增加B.期末
36、库存成本降低.当期损益减少C.期末库存成本升高。当期损益减少D.期末库存成本降低，当期损益增加【答案】A42、Passage 4A.The more money we have,the more stress we haveB.Money can be of great helpC.We should try our best to earn moneyD.Money is helpful in some way,but we should make full use of it【答案】D43、下列关于风险分类的说法，不正确的是（）。A.按风险发生的范围可以将风险划分为可量化风险和不可量化风险
37、B.按风险事故可以将风险划分为经济风险、政治风险、社会风险、自然风险和技术风险C.按损失结果可以将风险划分为纯粹风险和投机风险D.按诱发风险的原因，巴塞尔委员会将商业银行面临的风险划分为信用风险、市场风险、操作风险、流动性风险、国家风险、声誉风险、法律风险以及战略风险八大类【答案】A44、资料：Anything that affects the smooth flow of information isknown as noise.This might be,for example,the language used,an inappropriate use of technology or
38、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 information about the health benefits or risksassociated with different foods.Consumers may not have enoughunderstanding or i
39、nformation to judge between conflicting messages.It is therefore not surprising that many people do not hear thesemessages and switch off.A.positive press articlesB.the different levels of skill and knowledge of the sender andreceiverC.the language usedD.an inappropriate use of technology【答案】A45、某融资
40、公司以经营不善为由拖欠张某的工资长达半年，根据商业银行法规定，若张某要求该公司的开户银行对该公司的存款进行（）的操作时，开户银行有权拒绝张某。A.查询B.冻结C.他选项全部D.扣划【答案】C46、为刺激经济复苏，美国将把接近于零的联邦基金利率延续到（）年底。A.2014B.2015C.2016D.2017【答案】A47、_your child will leave home to lead her own life as afully independent adult.A.EventuallyB.QuicklyC.UnanimouslyD.Uncertainly【答案】A48、中国银行的核心
41、价值观是（）。A.担当、诚信、专业、创新、平稳、高效B.文明、和谐、自由、平等C.担当、诚信、专业、创新、稳健、绩效D.爱国、敬业、诚信、友善【答案】C49、美国历史上首位华裔驻华大使是（）。A.赵小兰B.张之香C.骆家辉D.朱棣文【答案】C50、财政收入最主要的组成部分是（）。A.转移支付B.再分配收入C.税收D.罚款【答案】C多选题（共多选题（共 2020 题）题）1、下列关于刑罚的说法，正确的有（）。A.主刑既可以独立适用，又可以附加适用B.附加刑既可以附加适用，又可以独立适用C.对犯罪的外国人，驱逐出境只能独立适用D.对犯罪分子只能判一种主刑【答案】BD2、要发送一封电子邮件不是必须添
42、加的题目是（）。A.发信人地址B.收信人地址C.主题D.信件内容【答案】CD3、商业银行的内部控制目标包括（）。A.确保国家法律规定和商业银行内部规章制度的贯彻执行B.确保商业银行发展战略和经营目标的全面实施和充分实现C.确保风险管理体系的有效性D.确保业务记录、财务信息和其他管理信息的及时、真实和完整【答案】ABCD4、银行的流动资产主要包括()等。A.短期贷款B.拆放同业C.短期投资D.存放款项【答案】ABCD5、行政法律关系由（）要素构成。A.主体B.客体C.内容D.形成【答案】ABC6、我国常见的几种气候类型有（）。A.寒风B.气旋C.梅雨D.台风E.沙尘暴【答案】ABCD7、根据不同
43、的存取方式，定期存款可以分为（）。A.存本取息B.整存零取C.协定存款D.整存整取E.零存整取【答案】ABD8、近年来，在合并农村信用社的基础上组建而成的农村金融机构有（）。A.农村信用社B.农村商业银行C.农村合作银行D.村镇银行【答案】BC9、下列对 Windows 系统中快捷方式的理解，正确的有（）。A.用快捷方式可以方便地运行一个程序B.快捷方式是指向原程序或原文档的一个指针C.用户可以为任意程序、文档创建快捷方式D.快捷方式就是源程序【答案】ABC10、下列属于银行业金融机构的有（）。A.中国进出口银行B.资产管理公司C.交通银行D.农村信用联合社【答案】ACD11、盈利能力指标有（
44、）。A.每股收益率B.主营业务利润率C.资产负债率D.净资产收益率【答案】ABD12、银行因减少投资等原因对被投资单位不再具有控制、共同控制或重大影响时，应（）。A.终止采用权益法核算，改按成本法核算B.按投资的账面价值作为新的投资成本C.被投资单位宣告分配利润或现金股利时，属于已计人投资账面价值的部分，作为新的投资成本收回，冲减投资成本D.终止采用成本法核算，改按权益法核算【答案】ABC13、下列选项中，属于银行损益科目的有()。A.营业费用B.利息支出C.投资收益D.汇兑收益【答案】ABCD14、下列说法正确的有（）。A.会计报表信息并不能满足所有信息使用者的需要B.非会计专业的管理人员也
45、能明白会计报表附注C.从内容上讲，会计报表附注信息包括了企业概况等事项的揭示D.会计报表附注进一步提高了会计报表信息的价值，便于会计信息使用者正确、合理地选择所需的会计信息【答案】ABCD15、账务处理程序是指（）相结合的方式。A.会计要素B.会计凭证C.会计账簿D.会计报表【答案】BCD16、下列关于商业银行贷款比例的限制的说法，正确的有（）。A.资本充足率不得低于 8B.贷款余额与存款余额的比例不得超过 75C.流动性资产余额与流动性负债余额的比例不得低于 35D.对同一借款人的贷款余额与商业银行资本余额的比例不得超过 20【答案】AB17、公文上可证实公文作者合法性、真实性及公文效力的标
46、志有（）。A.文头B.签发人C.印章D.签署【答案】CD18、收文处理标志有（）。A.收文机关的名称B.收文编号C.收文时间D.档号【答案】ABCD19、按照商业银行法的规定，商业银行投资业务禁止（）。A.从事企业债券B.向企业投资C.向非银行机构投资D.从事股票投资【答案】ABCD20、以下属于托尔斯泰作品的有（）。A.父与子B.安娜?卡列尼那C.复活D.战争与和平【答案】BCD大题（共大题（共 1010 题）题）一、2006 年 8 月 20 日，A 公司向 B 公司签发了一张金额为 10 万元的商业汇票该汇票载明出票后 1 个月内付款。C 公司为付款人，D 公司在汇票上签章作了保证，但未
47、记载被保证人名称。B 公司取得汇票后背书转让给 E 公司，E 公司又将该汇票背书转让给 F 公司，F 公司于当年 9 月 12 日向 C 公司提示承兑，C公司以其所欠 A 公司债务只有 8 万元为由拒绝承兑。F 公司拟行使追索权实现自己的票据权利。要求：根据上述情况和票据法律制度的有关规定，回答下列问题：(1)F 公司可行使追索权的追索对象有哪些?这些被追索人之间承担何种责任?(2)C 公司是否有当然的付款义务?C 公司如果承兑了该汇票，能否以其所欠 A 公司债务只有 8 万元为由拒绝付款?简要说明理由。(3)本案中，汇票的被保证人是谁?简要说明理由。如果 D 公司对 F 公司承担了保证责任，
48、则 D 公司可以向谁行使追索权?简要说明理由。【答案】(1)F 公司可行使追索权的追索对象包括：E 公司、B 公司、D 公司和 A公司。这些被追索人之间承担连带责任。(2)C 公司没有当然的付款义务。C 公司如果承兑了该汇票，则不能以其所欠 A 公司债务只有 8 万元为由拒绝付款。票据法第 13 条第 1 款规定：“票据债务人不得以自己与出票人或者与持票人的前手之问的抗辩事由，对抗持票人。但是，持票人明知存在抗辩事由而取得票据的除外。”本假设条件中，C 公司以其与出票人 A 公司之间的抗辩事由来对抗持票人 F 公司是不符合规定的。(3)被保证人为 A 公司。票据法第47 条第 1 款规定：“保
49、证人在汇票或者粘单上未记载被保证人名称的，已承兑的汇票，承兑人为被保证人；未承兑的汇票，出票人为被保证人。”本题中，该汇票未经承兑，因此出票人 A 公司为被保证人。如果 D 公司对 F 公司承担了保证责任，则 D 公司可以向 A 公司行使追索权。票据法第 52 条规定：“保证人清偿汇票债务后，可以行使持票人对被保证人及其前手的追索权。”本题中，被保证人为出票人 A 公司，因此保证人 D 公司清偿票据款项后只能向 A 公司行使追索权。(注：考题中汇票金额改为 20 万元，C 公司债务改为 18 万元。不影响解题。)二、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
50、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材料检测实验楼，有关具体事宜待专门批复。专此函复。克格县教育局二零年月日【答案】(1)标题应居中。(2)标题内容叙述不清。(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200315 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