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1、2022-20232022-2023 年銀行招聘之銀行招聘綜合知識(shí)能力檢測(cè)年銀行招聘之銀行招聘綜合知識(shí)能力檢測(cè)試卷試卷 A A 卷附答案卷附答案單選題（共單選題（共 6060 題）題）1、資料：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.T

2、o explain the recent achievement of poverty reductionB.To conclude that the world has changed so dramaticallyC.To criticize developed countriesD.To predict that things can be better【答案】A2、中央銀行對(duì)市場(chǎng)進(jìn)行政策調(diào)節(jié)時(shí)，效果最為強(qiáng)烈的金融工具是（）。A.存款準(zhǔn)備金率B.再貼現(xiàn)率C.銀行再貸款率【答案】A3、假設(shè)某公司的權(quán)益乘數(shù)為 2.02，其總資產(chǎn)報(bào)酬率為 7.39%，銷售凈利率為4.53%，則其所有者權(quán)益報(bào)酬

3、率應(yīng)為（）。A.14.93%B.9.15%C.15.25%D.10.34%【答案】A4、關(guān)于共同犯罪，下列表述最為準(zhǔn)確的是（）。A.共同犯罪是指兩人以上共同參加的犯罪B.三人以上為共同實(shí)施犯罪而組織在一起的，是犯罪集團(tuán)C.犯罪集團(tuán)是共同犯罪的特殊形式D.刑法理論上，對(duì)共同犯罪成員的分類一般是主犯、從犯、教唆犯、脅從犯【答案】C5、Passage 3A.Relieve stressB.Nothing specialC.Bring financial impactsD.Both A and C【答案】D6、資料：According to our research,Best Buy in China

4、 was perceivedas being too expensive,with many of their products priced higherthan in local markets.Why buy a Sony DVD player or Nokia 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 buyi

5、ng something they cannot get elsewhere.A.Chinese market needs more regulationsB.Western retailers cannot succeed in Chinese marketC.In China owing a car does not necessarily mean efficient travelD.To start a successful business,a better understanding of consumerpreference is important【答案】B7、銀行存款余額調(diào)節(jié)

6、表中調(diào)節(jié)后余額不相等，說(shuō)明企業(yè)或銀行賬面記錄（）。A.肯定有錯(cuò)誤B.肯定沒(méi)有錯(cuò)誤C.一般有錯(cuò)誤D.般沒(méi)有錯(cuò)誤【答案】C8、2019 年 8 月 8 日，中國(guó)銀行在北京舉行共建“5G 聯(lián)合創(chuàng)新應(yīng)用實(shí)驗(yàn)室”框架協(xié)議簽約儀式,與（）共同成立 5G 聯(lián)合創(chuàng)新應(yīng)用實(shí)驗(yàn)室。根據(jù)協(xié)議，雙方將開(kāi)展面向 5G 的業(yè)務(wù)創(chuàng)新和場(chǎng)景創(chuàng)新，在創(chuàng)新通信、智慧網(wǎng)點(diǎn)、數(shù)字金融、數(shù)據(jù)智能、物聯(lián)網(wǎng)金融等業(yè)務(wù)領(lǐng)域加強(qiáng)合作。A.中國(guó)移動(dòng)B.中國(guó)電信C.中國(guó)聯(lián)通D.廣電總局【答案】B9、Passage2A.who has not been instructed how to use a life preserverB.who has

7、a little experience in using a life preserverC.who uses a life preserver without permissionD.who becomes nervous before a disaster【答案】A10、在安索夫產(chǎn)品市場(chǎng)矩陣中，（）即市場(chǎng)滲透。A.現(xiàn)有市場(chǎng)新產(chǎn)品B.新市場(chǎng)新產(chǎn)品C.現(xiàn)有市場(chǎng)現(xiàn)有產(chǎn)品D.新市場(chǎng)現(xiàn)有產(chǎn)品【答案】C11、Passage 2A.Americans prefer to address each other formallyB.Newly arrived students often get lost

8、in the cityC.Host families come from educated backgroundsD.Students will depend on the host family to settle in【答案】D12、資料：之后，經(jīng)濟(jì)學(xué)家 Mr.X 展望了中歐之間的商業(yè)機(jī)遇，請(qǐng)根據(jù)下列資料回答問(wèn)題。A.Go to sourcing sites-contact prospective suppliers-attend sourcingfairs-orderB.Go to sourcing sites-visit factories-test samples-attend so

9、urcingfairs-orderC.Go to sourcing sites-contact prospective suppliers-state demands-test samples-orderD.Go to sourcing sites-visit factories-state demands-test samples-order【答案】C13、Internet 中使用最廣泛的協(xié)議是（）。A.SMTP 協(xié)議B.SDHSONET 協(xié)議C.OSlRM 協(xié)議D.TCPIP 協(xié)議【答案】D14、未經(jīng)正式公布的法律是（）。A.有效的B.無(wú)效的C.部分有效的D.以上答案都不對(duì)【答案】B15、

10、Its the paintings in Louvre_Da Vinci worked on foryears_have become a fascination to people from all over theworld.A.where;thatB.that;whenC.that;thatD.where;when【答案】C16、Early Americans simply did not sport hunt in those days.It ishard to make a sport _ something you did every day.A.intoB.out ofC.byD

11、.with【答案】B17、箱子中紅黃藍(lán)黑四種顏色的小球，數(shù)量分別是 20 顆、16 顆、14 顆和 10顆，現(xiàn)在從箱子里一次性取出若干小球，且保證有 14 小球的顏色相等，則至少要取出（）顆。A.53B.50C.49D.52【答案】B18、新陳代謝是指地球上的一切生命有機(jī)體都需要不斷地與周圍環(huán)境進(jìn)行（）交換。A.物質(zhì)與養(yǎng)料B.物質(zhì)與能量C.養(yǎng)料與能量D.養(yǎng)料與質(zhì)量【答案】B19、資料：Do you want to see the world?Then plan to visit the SilverPoseidon Cruises Career Fair on Tuesday,November

12、 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 to work aboardour many vessels.Free travel is just the beginning when you work forSilver Poseidon Cruises.A.Career advancement opportunitiesB.Paid training programsC

13、.Free travelD.Time off for holidays【答案】D20、資料：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 causes ofpoverty in order to find solutions to the problem.A.The growing nation

14、al economyB.The tax collections from the non-poor classesC.More choices of selectable job vacanciesD.Goverrnments investments on the poor to improve their workingskills【答案】B21、Brands are strategic_that provide an organization with amainly competitive advantage.A.belongingsB.propertyC.assetsD.assessm

15、ent【答案】C22、商業(yè)銀行的貸款，按照貸款保全方式可分為（）。A.長(zhǎng)期貸款和短期貸款B.信用貸款和擔(dān)保貸款C.企業(yè)貸款和個(gè)人貸款D.正常貸款和關(guān)注貸款【答案】B23、After the storm,the lake returned to its usual（）state.A.flaccidB.placidC.lucidD.Acid【答案】A24、依次填入下列各句劃線部分的詞語(yǔ)，與句意最貼切的一組是（）。A.貫串鬼怪國(guó)是B.貫穿鬼怪國(guó)事C.貫串詭怪國(guó)事D.貫穿詭怪國(guó)是【答案】D25、Education has a value of consumption and its demand wi

16、ll dependon its own price，prices of other goods，and_income.A.domesticB.homeC.houseD.household【答案】D26、在某一時(shí)期，一國(guó)經(jīng)濟(jì)中總供求大體平衡，但存在消費(fèi)需求不足而投資需求旺盛結(jié)構(gòu)性矛盾，我國(guó)應(yīng)實(shí)行（）。A.松的貨幣政策和松的財(cái)政政策B.緊的貨幣政策和緊的財(cái)政政策C.松的貨幣政策和緊的財(cái)政政策D.緊的貨幣政策和松的財(cái)政政策【答案】D27、資料：Italys next government,a coalition between thepopulistFive Star Movement and th

17、e far-right Northern League,isgiving investors plenty to worry about.Leaked plans,hastilyabandoned,suggested it might want to leave the euro or ask theEuropean Central Bank to forgive 250bn（$292bn）of Italian debt.But less attention has been paid to what it might mean for Italianbanks,and in particul

18、ar for their biggest burden:non-performingloans（NPLs）.Over 185bn of NPLs were outstanding at the end of2017,the most for any country in the European Union.（1）A.The increasing use of out-of-court settlement for collateral acrossthe EUB.The GACS which may not be renewed after SeptemberC.The new tradin

19、g platform for trading NPLsD.The laws that guarantee cross-border operations【答案】B28、If English means endless new words，difficult grammar andsometimes strange pronunciation，you are wrong.Havent you noticedthat you have become smarter since you started to learn a language?A.the experience of learning

20、a second language has bad effect onpeoples brainB.there is no difference between a later second language learner andone who doesnt know a second languageC.the earlier you start to learn a second language，the higher thegrey matter density isD.the ability of learning a second language is changing all

21、the time【答案】C29、資料：From:Gloria RichterA.An efficient way for the staff to deal with the large number ofemailsB.More investment in the well-being of the staffC.Reopening of the staff loungeD.clarification of whom the staff should report their works to【答案】B30、Passage 3A.Needless material is mostly rec

22、ycledB.Fighting wastefulness is difficultC.People like collecting recyclable wastesD.The author is proud of their consumer culture【答案】B31、Passage 2A.Customers are more likely to enjoy more innovative servicesB.People will no longer go to banks to deposit their moneyC.Service providers do not want to

23、 partner with banksD.People will receive more pension【答案】A32、存貨采用先進(jìn)先出法進(jìn)行核算的企業(yè)，在物價(jià)持續(xù)上漲的情況下將會(huì)使企業(yè)（）。A.期末庫(kù)存成本升高.當(dāng)期損益增加B.期末庫(kù)存成本降低.當(dāng)期損益減少C.期末庫(kù)存成本升高。當(dāng)期損益減少D.期末庫(kù)存成本降低，當(dāng)期損益增加【答案】A33、資料：With 55%of consumers customer service interactionsstarting online and 63%of adults using their smartphone severaltimes a mon

24、th to seek customer service，your mobile customer servicetactics are more important than ever.A.Fast responseB.Readily accessible informationC.Optimized user surfaceD.All of these above【答案】D34、優(yōu)先股不享有的權(quán)利是（）。A.優(yōu)先清償權(quán)B.優(yōu)先分配權(quán)C.股息固定D.優(yōu)先認(rèn)購(gòu)公司新發(fā)股票【答案】D35、在償還賒銷款項(xiàng)時(shí)貨幣執(zhí)行的職能是（）。A.價(jià)值尺度B.流通手段C.貯藏手段D.支付手段【答案】D36、資料：C

25、hildren back at school,nights slowly starting to draw inand the weather more changeable.The seasons are turning and after aneerily calm summer for financial markets,theres a whiff ofuncertainty in the air.Bond yields are up from their lows,and therelentless migration of global capital towards any as

26、set,anywhere,with some yield,is slowing.A.fallingB.pushingC.keepingD.changing【答案】A37、“三網(wǎng)”融合中的“三網(wǎng)”不包括（）。A.電信網(wǎng)B.廣播電視網(wǎng)C.互聯(lián)網(wǎng)D.衛(wèi)星通信網(wǎng)【答案】D38、Most of us entirely value human life，_ some peoplethink of animals as being equally important.A.andB.orC.butD.unless【答案】C39、The Brunwick Explorer is a submersible ro

27、botic vehicle designedto search for mineral deposits far _the surface of sea.A.behindB.belowC.beyondD.between【答案】B40、國(guó)際通行的貸款五級(jí)分類，既正常、關(guān)注、次級(jí)、可疑、損失貸款，其中（）為不良貸款。A.后三類B.后二類C.前三類D.前二類【答案】A41、股票指數(shù)期貨的結(jié)算采用（）。A.現(xiàn)金B(yǎng).某種股票C.股價(jià)指數(shù)D.一攬子股票【答案】A42、設(shè) a，b 均為正整數(shù)，且有等式 11a7b132 成立，則 a 的值為？（）A.6B.4C.3D.5【答案】D43、Most of the

28、se resources are _ towards paper-writing andresearch projects.A.hatchedB.gearedC.encouragedD.motivated【答案】B44、Passage 3A.In Favor of the Gap YearB.The ABCs of the Gap YearC.The Gap Year Comes BackD.The Gap Year:A Dilemma【答案】A45、久期分析也稱為持續(xù)期分析或期限彈性分析，是衡量利率變動(dòng)對(duì)銀行（）影響的一種方法。A.當(dāng)期收益B.風(fēng)險(xiǎn)水平C.資本充足率D.整體經(jīng)濟(jì)價(jià)值【答案】D

29、46、一般均衡經(jīng)濟(jì)理論中，商品的供給和需求依賴于經(jīng)濟(jì)體中（）的價(jià)格。A.所有其他商品B.技術(shù)研發(fā)C.單一商品D.相關(guān)商品【答案】A47、某企業(yè)實(shí)收資本 1 000 萬(wàn)元，資本公積 500 萬(wàn)元，未分配利潤(rùn) 150 萬(wàn)元。盈余公積 400 萬(wàn)元，則留存收益為（）萬(wàn)元。A.550B.1 500C.650D.900【答案】A48、Just last month I tried to write her a poem _“Amidst anAngel.”But no two words would rhyme.A.assignedB.entitledC.deprivedD.granted【答案】B49

30、、資料：The data a bank has stored on its servers is more valuablethan the gold in its vaults.Banks enjoy a monopoly over data thathas helped them get away with poor services and fend off competitors.In Europe,at least,that is all about to change with a new set ofregulations,named PSD2.A.Third parties w

31、ill have to buy fraud insuranceB.Regulators have come up with promising solutionsC.Banks defense against cyber attacks is strongD.Third parties will check clients data monthly【答案】B50、屬于我國(guó)二級(jí)重點(diǎn)保護(hù)動(dòng)物的是（）。A.金絲猴B.長(zhǎng)臂猿C.小熊貓D.大熊貓【答案】C51、Passage 2A.A toy trainB.A bottle of whiskeyC.A cameraD.A cellular phone【

32、答案】A52、資料：The data a bank has stored on its servers is more valuablethan the gold in its vaults.Banks enjoy a monopoly over data thathas helped them get away with poor services and fend off competitors.In Europe,at least,that is all about to change with a new set ofregulations,named PSD2.A.Customers

33、 are more likely to enjoy more innovative servicesB.People will no longer go to banks to deposit their moneyC.Service providers do not want to partner with banksD.People will receive more pension【答案】A53、當(dāng)人靜止地站在斜坡式電梯上隨電梯一起向上運(yùn)動(dòng)時(shí)（手與電梯不接觸），下列表述準(zhǔn)確的是（）。A.人不受摩擦力作用B.人所受的摩擦力方向沿電梯面向下C.人所受的摩擦力方向沿電梯面向上D.人所受的摩擦力方向可能沿電梯向上，也可能向下【答案】C54、資料：Western business visitors are often deadline-driven andunwilling to slow d