2023年度銀行招聘之銀行招聘綜合知識能力檢測試卷A卷含答案

2023年度銀行招聘之銀行招聘綜合知識能力檢測試卷A卷含答案

單選題（共57題）1、資料：Childrenbackatschool,nightsslowlystartingtodrawinandtheweathermorechangeable.Theseasonsareturningandafteraneerilycalmsummerforfinancialmarkets,there'sawhiffofuncertaintyintheair.Bondyieldsareupfromtheirlows,andtherelentlessmigrationofglobalcapitaltowardsanyasset,anywhere,withsomeyield,isslowing.A.AfterBritainleavingtheE.UtheinvestmentdecisionofinvestorshasbeenaffectedB.AfterBritainleavingtheE.U,thevalueofthepoundwillbeseenweakenedfurtherC.AfterBritainleavingtheE.U,thefedtakesthisopportunitytoraisetherateD.AfterBritainleavingtheE.U,theBankofEnglandhasalreadycutpolicyratesto0.25%【答案】A2、甲做生意急需用錢，并與乙約定，乙借給甲10萬元，甲將收藏的一件古董交給乙，若一年后如期還錢，乙就歸還古董；若一年后未如期還錢，乙就出賣古董抵債。對此，甲與乙的關(guān)系屬于（）。A.抵押關(guān)系B.質(zhì)押關(guān)系C.留置關(guān)系D.侵權(quán)關(guān)系【答案】B3、資料：WordofMouthpromotionisbasedontheprincipleofpullmarketing.A.thatthecustomersdon'tenjoythedrinkB.thatthecampaignismaderegularlyC.thatthecustomersalwaysseethecoverageofthecompanyinmagazinesD.allabove【答案】A4、資料：Demystifyinghowsocialandhuman-likerobotsworkisvitalsothatwecanunderstandandshapehowtheywillaffectourfuture,DrHaticeGuneswilltelltheHayFestivalnextweek.(1)A.ItisimportantforrobotstolearnaboutthecontextsoastounderstandhumanemotionsB.WhetherhumanoidswillhavehumanemotionsthemselvesstillremainsunclearC.ItisastigmaforrobotstohavedifferentlayersofhumanemotionsD.Thenatureofhumanemotionswillhinderthedevelopmentofhumanoids【答案】A5、Thecompany'sprofitsare（）tohittheirpeakinthenextquartermainlyduetothereleaseofitsnewlineofclothing.A.forecastB.forecastingC.toforecastD.willforecast【答案】A6、Airline-maintenancebestpracticecould___oilindustryprofitability.A.overhaulB.enhanceC.confuseD.guide【答案】B7、()是指對被審計(jì)單位經(jīng)濟(jì)活動(dòng)的效率、效果和效益狀況進(jìn)行審查、評價(jià)，目的是促進(jìn)被審計(jì)單位提高人、財(cái)、物等各種資源的利用效率，增強(qiáng)盈利能力，實(shí)現(xiàn)經(jīng)營目標(biāo)。A.外部審計(jì)B.財(cái)政財(cái)務(wù)審計(jì)C.經(jīng)濟(jì)效益審計(jì)D.內(nèi)部審計(jì)【答案】C8、在1，2，3，……，2011中選數(shù)，若要保證選出的數(shù)字中任意兩個(gè)數(shù)字的和都不能被3整除，最多可以選出（）個(gè)數(shù)。A.3B.671C.672D.673【答案】C9、紅娘最早成名是在王實(shí)甫的（）。A.《西廂記》B.《小桃紅》C.《滾繡球》D.《桃花亭》【答案】A10、大額可轉(zhuǎn)讓定期存單最早產(chǎn)生于美國。美國的《Q條例》規(guī)定商業(yè)銀行對活期存款不能支付利息，定期存款不能突破一定限額。20世紀(jì)60年代，美國市場利率上漲，高于《Q條例》規(guī)定的上限，資金從商業(yè)銀行流入金融市場。為了吸引客戶，商業(yè)銀行推出可轉(zhuǎn)讓大額定期存單。購買存單的客戶隨時(shí)可以將存單在市場上變現(xiàn)出售。A.收益風(fēng)險(xiǎn)高B.流動(dòng)性差C.容易造成通貨膨脹D.收益率低【答案】B11、資料：Imagineyouwenttoarestaurantwithyourgirlfriend,hadaburger,paidwithacreditcard,andleft.Thenexttimeyougothere,thewaiterorwaitress,armedwithyourprofiledata,greetsyouwith,“HeyJoe,howareyou？Maryisoverthereintheseatyousatlasttime.Wouldyouliketojoinherfordinneragain？”Thenyoufindoutthatyourburgerhasbeencookedandplacedonthetable.Forgetthefactthatyouarewithanotherdateandareonadietthatdoesn’tincludeburgers.A.ItwascreatedbyMrs.FieldB.ItcollectsinformationonyouusuallywithoutyourknowingitC.ItisahardwareneededtoaccesstoyourcomputerD.Itisthelatestintechnology【答案】B12、資料：Nocredit，badcreditHearthetermsoftenenoughandtheycanblurtogether.Thesecreditstatusesaren’toneandthesame，though.A.havingaccountssenttocollectionsB.lookingforano-creditcreditcardC.payingdownthebalanceD.closingyourcreditaccounts【答案】B13、資料：WordofMouthpromotionisbasedontheprincipleofpullmarketing.A.becauseithelpstogeneratemomentumB.becausetheeventsarefunnyenoughtobetransmittedC.becauseithelpstocreatebrandawarenessandgrowsalesD.bothAandC【答案】D14、1，9，35，91，189，（）A.361B.341C.321D.302【答案】B15、關(guān)于維生素，下列說法正確的是（）。A.缺乏維C可致佝僂病B.維A有助于視力和免疫力C.維E有助于凝血并強(qiáng)健骨骼D.維D促進(jìn)骨骼生長和重構(gòu)，防止敗血病【答案】B16、Itwouldbe______exploringstudents'epistemicbeliefsregardingcourse-relatedinformationlocatedontheInternet.A.worthwhileB.worthC.whileD.worthy【答案】A17、我國對不正當(dāng)競爭行為進(jìn)行監(jiān)督檢査的主管部門是（）。A.國內(nèi)貿(mào)易部B.技術(shù)監(jiān)督局C.工商行政管理局D.物價(jià)局【答案】C18、資料：October20,2013A.HewasimpressedwithitsmenuB.ThehotelislocatedclosetothecompanyC.HehasspecialtieswiththehotelstaffD.Ithasbecomeatraditionofthecompany【答案】A19、Humansurvivalhasbeenbasedonunrivaledadaptationtotheenvironment,butplantsandanimalswillandareinevitablysuccumbing（）subtlechangesintheclimate.A.inB.withoutC.withD.To【答案】D20、Paperstrawsmightbeahardsellforbobateashops，butthesuddendemandforthemisonlyincreasingasplasticstrawbans______。A.multiplyB.occupyC.divideD.apply【答案】A21、Whenweread，weconstructamental_______ofthetextinourminds，muchaswedowhenwetookatanareaoflandandcreateamentalmapinourheads.A.representationB.imaginationC.interpretationD.identification【答案】A22、Passage4A.trainstaffforworld-famousfirmsB.offerjobopportunitiestoyoungadultsC.provideyouthwithuniqueexperiencesD.equiptheunemployedwithdifferentskills【答案】C23、資料：ItisSeptemberof1998,I’msittinginawindowlessofficeroominsidetheOfficeoftheIndependentCounselunderneathhummingfluorescentlights.I'mlisteningtothesoundofmyvoiceonsurreptitiouslytapedphonecallsthatasupposedfriendhadmadetheyearbefore.Forthepasteightmonths,themysteriouscontentofthesetapeshashungliketheSwordofDamoclesovermyhead.Afewdayslater,theStarReportisreleasedtoCongress,andallofthosetapesandtranscripts,thosestolenwords,formapartofit.Thatpeoplecanreadthetranscriptsishorrificenough,butafewweekslater,theaudiotapesareairedonTV,andsignificantportionsmadeavailableonline.Thepubichumiliationwasexcruciating.(1)A.TheideaofcommittingsuicideB.Theurgentperiltotheauthor’slifeC.TheharmcausedbycyberbullyingD.Thehatredtothosewhocheatedtheauthor【答案】C24、根據(jù)財(cái)務(wù)管理理論，企業(yè)在生產(chǎn)經(jīng)營活動(dòng)過程中客觀存在的資金運(yùn)動(dòng)及其所體現(xiàn)的經(jīng)濟(jì)利益關(guān)系被稱為（）。A.企業(yè)財(cái)務(wù)管理B.企業(yè)財(cái)務(wù)活動(dòng)C.企業(yè)財(cái)務(wù)關(guān)系D.企業(yè)財(cái)務(wù)【答案】D25、Onlywhenhumanitybegantogetitsfoodinamore（）waywastheretimeforotherthings,likesportsgamesandentertainmentactivities.A.predictiveB.provocativeC.protectiveD.productive【答案】D26、某民政局工作人員馮某利用職務(wù)便利挪用救濟(jì)金2萬元進(jìn)行營利活動(dòng)。馮某的行為構(gòu)成何種犯罪?（）A.挪用特定款物罪B.挪用公款罪C.職務(wù)侵占罪D.挪用資金罪【答案】B27、馮·諾依曼在總結(jié)研制ENIAC計(jì)算機(jī)時(shí)，提出兩個(gè)重要的改進(jìn)是（）。A.引入CPU和內(nèi)存儲器的概念B.采用二進(jìn)制和存儲程序控制的概念C.采用機(jī)器語言和十六進(jìn)制D.采用ASCII編碼系統(tǒng)【答案】B28、以下哪種情形會使貨幣需求增加？（）A.商品和勞務(wù)供給量減少B.銀行存款利率升高C.物價(jià)水平上升D.貨幣流通速度加快【答案】C29、分子生物學(xué)的研究表明（）。A.細(xì)胞是遺傳信息的載體B.細(xì)胞核是遺傳信息的載體C.DNA是遺傳信息的載體D.細(xì)胞壁是遺傳信息的載體【答案】C30、資料：Whatifyouweretoldtherewasawayyoumaystrengthenyourcognitiveskillsandheightenyourintelligence,andallyouhadtodowaswaslearntostrikeupbasicconversationsinanotherlanguage?A.seemmoreproductiveinthejobmarketB.comfortablytraveltoforeigncountriesC.gettoknowdifferentculturesD.alloftheabove【答案】D31、如果金銀的法定比價(jià)為1：20，而市場比價(jià)為1：15，按照格雷欣法則，那么這時(shí)充斥市場的將是（）。A.銀幣B.金幣C.銀行券D.金銀混合幣【答案】B32、InMayof1826,thefair-hairedyouthwiththeazureblueeyes（）forEuropetoturnhimselfintoascholarandalinguist.A.setaboutB.setdownC.setoutD.setup【答案】C33、Themanagermadeitclearthatheintendedto____downsomenewrulestoenforceworkplacediscipline.A.layingB.layC.lieD.lying【答案】B34、根據(jù)勞動(dòng)合同法的規(guī)定，下列表述正確的是（）。A.用人單位不得單方面解除勞動(dòng)合同B.試用期不包含在勞動(dòng)合同期限內(nèi)C.勞動(dòng)合同部分無效，不影響其他部分效力的，其他部分仍然有效D.發(fā)生勞動(dòng)爭議的，雙方協(xié)商為爭議解決的必經(jīng)程序【答案】C35、在下列哪些情況下，企業(yè)可以不受限制的延長工作時(shí)間？（）A.為完成和其他單位所簽合同所規(guī)定的工作任務(wù)B.勞動(dòng)合同中所約定的情形C.發(fā)生水災(zāi)，組織搶救企業(yè)財(cái)產(chǎn)D.企業(yè)工作規(guī)程規(guī)定的其他情形【答案】C36、對有價(jià)證券行市的正確理解是（）。A.證券行市與市場利率負(fù)相關(guān)B.證券行市是有價(jià)證券的發(fā)行價(jià)格C.證券行市是證券面值的資本化D.證券行市與證券收益率負(fù)相關(guān)【答案】A37、Thereisa（）differenceinmeaningbetweenthewordssurroundingsandenvironment.A.sensibleB.subtleC.feebleD.humble【答案】B38、Ifyoudowhatyoureallylike,youwillknowhowitfeelstobe（）andrelaxed.A.dispassionB.soberC.noiselessD.calm【答案】D39、基準(zhǔn)利率作為其他利率水平或金融資產(chǎn)價(jià)格確定的基礎(chǔ)，在我國，基準(zhǔn)利率是（）。A.同業(yè)拆借利率B.公定利率C.存貸款利率D.市場利率【答案】C40、資料：Asabusinessowner，itisvitalthatyouunderstandanduseadvancedtechnologies.Technologycanhelpincreasebusinessefficiencyandevenexpandoperations.A.DiscusstheadvantageoftechnologyB.AdvertisingbusinesssoftwareC.TeachbusinessownershowtostaycompetitiveD.Teachbusinessownershowtomanageemailsandcalendars【答案】C41、資料：Workforceplanninghelpsanorganizationtoestimateitsfutureworkforcerequirementsandcalculatethenumbers,natureandsourcesofpotentialemployeeswhomightmeetthatdemand.A.thosewhohavemanyworkexperiencesB.thosewhoarelikelytoquitinayearC.thosewhoarefriendlytocolleaguesD.thosewhoareskilledaswellascommitted【答案】D42、2020年3月24日外交部發(fā)言人耿爽表示，近日中國駐英國、法國、意大利、沙特等國的使館向中國留學(xué)生發(fā)放了裝有防疫物品和防疫指南的（）指導(dǎo)他們科學(xué)防疫，幫助他們加強(qiáng)防護(hù)，傳遞來自黨和政府的關(guān)心和問候，來自祖國人民的呵護(hù)和叮嚀。A.愛心包B.防疫包C.宣傳包D.健康包【答案】D43、Wehaveexperienceinloadingdata___severalA/C-manufacturerssuchasBoeing,Airbus,BritishAerospace,Fokker,DeHavillandandATR.A.inB.toC.besideD.from【答案】B44、資料：（四）A.ApproachtofinancialeducationB.Americans'financialskillsC.ReformonfinancialeducationD.Lessonsoffinancialcrisis【答案】A45、對費(fèi)用預(yù)算、經(jīng)濟(jì)合同的執(zhí)行情況進(jìn)行審查屬于()。A.事前審計(jì)B.事中審計(jì)C.事后審計(jì)D.內(nèi)部審計(jì)【答案】B46、資料：FromCoinstoCreditBankingThroughouttheAgesisaconcisehistoryofbanksandthebankingindustryfromancienttimestothepresent.JamesGallagher,whohasmadeacareerofcoveringfinancialnewsforseveralnewspapers,hasdoneacarefuljobofinvestigatinghissubject.Althoughhepresentsthefactscarefully,Mr.Gallagherhasmadewhatcouldhavebeenadrybookintoonethatisinterestingandenjoyable.Bytellingamusinganecdotesabouthistoricalfigures,hemakesthemcomealive.Evenpeoplewhoarenotparticularlyattractedtothesubjectmatterwillfindthisbookengrossing.A.BankerB.LibrarianC.JournalistD.Publisher【答案】C47、資料：AnewChinese-ledinternationaldevelopmentbankannounceditsfirstfourloansonSaturday,pledgingtolend$509millionforprojectstospreadelectricpowerinruralBangladesh,upgradelivingconditionsinslumsinIndonesia,andimproveroadsinPakistanandTajikistan.Atthefirstoftheannualgeneralmeetingsofininstitution,theAsianInfrastructureInvestmentBank,thebank’spresident,JinLiqun,saidtheprojectswerefinanciallysoundandenvironmentallyfriendlyandhadbeenacceptedbythepeopleintheprojectareas.A.IndiaB.TajikistanC.PakistanD.Bangladesh【答案】A48、2017年4月份，某省規(guī)模以上食品工業(yè)增加值同比增長15.0%，比全省規(guī)模工業(yè)平均水平高9.4個(gè)百分點(diǎn)。其中，農(nóng)副食品加工業(yè)增長14.0%，食品制造業(yè)增長18.6%，酒、飲料和精制茶制造業(yè)增長13.9%。1—4月，規(guī)模以上食品工業(yè)產(chǎn)值累計(jì)增長11.6%，增幅比全省規(guī)模工業(yè)平均水平高4.5個(gè)百分點(diǎn)。A.9.5B.10.2C.11.4D.12.6【答案】C49、Swimmingisanall-bodyworkout。It______smallmusclegroupsthatoftengetignoredinotherworkouts。A.helpsB.keepsC.healsD.works【答案】D50、Sincehesufferedagreatdealfromstomachache,thedoctorinsistedthathe______wineanymore.A.didnotdrinkB.doesnotdrinkC.shouldnotdrinkD.couldnotdrink【答案】C51、基金管理公司的監(jiān)管機(jī)構(gòu)是（）。A.證監(jiān)會B.銀監(jiān)會C.中國人民銀行D.中國銀行協(xié)會【答案】A52、Duringherjunioryearofhighschool,DianeRay'steacherhandedheraworksheetandinstructedthe17-year-oldtomapoutherfuturefinanciallife.Raypretendedtobuyacar,rentanapartment,andapplyforacreditcard.Then,sheandherclassmatesplayedthe"stockmarketgame",investing（投資）thehypothetical（虛擬的）earningsfromtheirhypotheticaljobsinthemarketinthedisastrousfallof2008."Ourpretendinvestmentscrashed,"Raysays,stillfrightened."Wegottoknowhowitfelttolosemoney."A.payoffallherdebtsB.handlehermoneybetterC.findajobinabankD.managethefamilyincome【答案】B53、Theaccountingteamusesanadvancedspreadsheetsoftwareprogramtolistcompany（）bydepartment.A.diagramsB.expendituresC.applicationsD.Insights【答案】B54、Theearthmovesaroundthesun,（）weallknowit.A.asB.whichC.andD.that【答案】C55、Passage3A.cutitwithasawB.useyourrighthandonlyC.chewitwellD.alloftheabove【答案】D56、中國人民銀行發(fā)布的2019年第三季度中國貨幣政策執(zhí)行報(bào)告稱，當(dāng)前，中國仍實(shí)施常態(tài)貨幣政策。央行通過創(chuàng)新和完善宏觀調(diào)控，運(yùn)用多種貨幣政策工具，保持流動(dòng)性合理充裕；加大貨幣政策逆周期調(diào)節(jié)力度，通過改善貨幣政策傳導(dǎo)機(jī)制，落實(shí)金融對實(shí)體經(jīng)濟(jì)的支持。A.降低金融機(jī)構(gòu)貸款利率B.降低金融機(jī)構(gòu)法定存款準(zhǔn)備金率C.降低企業(yè)稅費(fèi)率D.減少行政管理手段運(yùn)用【答案】B57、在體育運(yùn)動(dòng)中，運(yùn)動(dòng)員需要不時(shí)地抹一些白色的粉末，俗稱“防滑粉”，那么，防滑粉的主要成分是（）。A.鐵B.鈉C.鎂D.鈣【答案】C多選題（共14題）1、凱恩斯認(rèn)為，貨幣需求的流動(dòng)性偏好動(dòng)機(jī)包括（）。A.投機(jī)動(dòng)機(jī)B.營利動(dòng)機(jī)C.預(yù)防動(dòng)機(jī)D.分散動(dòng)機(jī)E.交易動(dòng)機(jī)【答案】AC2、公文是一種特殊的文體，這種特殊性表現(xiàn)在（）．A.采用白話文形式B.具有真實(shí)性.合法性C.具有規(guī)范性、相對確定性D.用議論、說明、敘述多種方式表達(dá)【答案】AD3、以下（）業(yè)務(wù)必須到開戶銀行網(wǎng)點(diǎn)辦理。A.存折類儲蓄存款的銷戶B.個(gè)人通知存款的預(yù)約、支取C.定期儲蓄存款的部分提前支取D.口頭掛失【答案】ABC4、下列（）不是流動(dòng)性偏好理論的基本觀點(diǎn)。A.利率期限結(jié)構(gòu)取決于短期資金市場供求狀況與長期資金市場供求狀況的比較B.市場效率低下導(dǎo)致資金從長期（或短期）市場向短期（或長期）市場流動(dòng)可能存在障礙C.投資者在接受長期債券時(shí)會要求對他承受的與債券較長償還期限相聯(lián)系的風(fēng)險(xiǎn)給予補(bǔ)償D.利率期限結(jié)構(gòu)完全取決于對未來利率的市場預(yù)測【答案】ABD5、按照經(jīng)濟(jì)總量絕對下降或者相對下降的不同情況，經(jīng)濟(jì)周期可以分為（）。A.增長型周期B.古典型周期C.基欽周期D.朱格拉周期【答案】AB6、樹立和落實(shí)科學(xué)發(fā)展觀，同大興求真務(wù)實(shí)之風(fēng)之間的關(guān)系是（）。A.樹立和落實(shí)科學(xué)發(fā)展觀，同大興求真務(wù)實(shí)之風(fēng)，是內(nèi)在統(tǒng)一的B.各級黨委、政府和領(lǐng)導(dǎo)干部都要把樹立和落實(shí)科學(xué)發(fā)展觀作為求真務(wù)實(shí)的著力點(diǎn)C.用求真務(wù)實(shí)的作風(fēng)來樹立和落實(shí)科學(xué)發(fā)展觀D.在樹立和落實(shí)科學(xué)發(fā)展觀中堅(jiān)持求真務(wù)實(shí)【答案】ABCD7、在我國加入WTO后的今天，外資銀行已經(jīng)逐步突破地域、業(yè)務(wù)等限制進(jìn)人我國市場。外資銀行在我國拓展業(yè)務(wù)，由于對國情、民情和金融法規(guī)不甚了解，難以準(zhǔn)確把握市場信息。外資銀行把握市場信息的捷徑就是實(shí)現(xiàn)管理人員的“本土化”。外資銀行用優(yōu)厚的薪酬待遇、優(yōu)越的工作環(huán)境、良好的福利保障、眾多的出國培訓(xùn)機(jī)會、靈活的用人機(jī)制來吸引和留住人才。這一舉措導(dǎo)致了我國金融人才的大量流失，這對我國商業(yè)銀行人力資源開發(fā)和管理提出了嚴(yán)峻挑戰(zhàn)。A.負(fù)債性B.風(fēng)險(xiǎn)性C.盈利性D.競爭性【答案】ABCD8、以下屬于中國金融監(jiān)管的對象有（）。A.國有商業(yè)銀行B.農(nóng)村信用合作社C.信托投資機(jī)構(gòu)D.無組織的民間信用活動(dòng)【答案】ABCD9、緊急避險(xiǎn)與正當(dāng)防衛(wèi)的相同之處包括（）。A.目的相同B.行為的對象相同C.前提相同D.危害來源相同【答案】AC10、政策性銀行與商業(yè)銀行的共同點(diǎn)有（）。A.充當(dāng)信用中介的金融機(jī)構(gòu)B.是資金活動(dòng)的中樞神經(jīng)C.以營利為主