2022年银行招聘考试题库自测300题含解析答案(山西省专用)

《银行招聘》职业考试题库 一 , 单选题 (共200题，每题1分，选项中，只有一个符合题意) 1、 甲为自己投保一份人寿险，指定其妻为受益人。甲有一子4步，甲母50岁且自己单独生活。某日，甲因交通事故身亡。该份保险的保险金依法应如何处理?（　　） A.应作为遗产由甲妻、甲子、甲母共同继承 B.应作为遗产由甲妻一人继承 C.应作为遗产由甲妻、甲子继承 D.应全部支付给甲妻 【答案】 DCN8R6Y4A7K7K2N6HC8H6B2B7E10T4T6ZH2G6O6X7Y1O4G5 2、Even if you don’t actually carry out all the actions you say you will take, honest students will appreciate knowing that you care enough about academic ______ to take precautions. A.entirety B.integrity C.unity D.reliability 【答案】 BCS9P2D2J10A3I4L7HZ4S3Q6F2E3H6Z8ZK9F7W1B2N7F5S9 3、资料：Children back at school, nights slowly starting to draw in and the weather more changeable. The seasons are turning and after an eerily calm summer for financial markets, there's a whiff of uncertainty in the air. Bond yields are up from their lows, and the relentless migration of global capital towards any asset, anywhere, with some yield, is slowing. A.falling B.pushing C.keeping D.changing 【答案】 ACV6Z5C9D8U1F6C6HH7C8L5J7S10T10F7ZO9R1R3W2D7P3X6 4、Passage 3 A.Needless material is mostly recycled B.Fighting wastefulness is difficult C.People like collecting recyclable wastes D.The author is proud of their consumer culture 【答案】 BCF9C4H3D4M7F9G9HK6M7A3H1K4Y3F7ZC6X10J7E6Z6Z7F10 5、某家庭2000年总收入为10万元人民币，2012年时，该家庭的总收入增加至38万元人民币，根据恩格尔定律，与2000年相比，2012年该家庭用于食品的支出在家庭总收入中的比重（　　）。 A.保持不变 B.将会下降 C.将会增长 D.无从判断 【答案】 BCN1M6A1W6M5C10V2HP2C9Y6F10O7B9Q1ZQ8T4F3Y10V5B2A7 6、计算机的存储系统通常包括（　　）。 A.内存储器和外存储器 B.软盘和硬盘 C.ROM和RAM D.内存和硬盘 【答案】 ACX4J10V9D7R10A9X2HU5L2L3Z3R6C1D6ZP9P6A9H2C3W6U5 7、根据《民法典》规定，甲与乙对丙企业的债务同时提供保证担保，没有约定担保方式和担保份额的，丙的债权人丁可以要求甲、乙以怎样的方式承担担保责任？（　　） A.可以要求甲或乙独立承担全部债务，担保方式为一般担保 B.可以要求甲或乙独立承担全部债务，担保方式为连带担保 C.只能要求甲、乙分别承担一半债务，担保方式为一般担保 D.只能要求甲、乙分别承担一半债务，担保方式为连带担保 【答案】 ACT5V2E9D7S4Z10K4HP4O8A10Q6H7C2S8ZA5L4E4T10F2N6W10 8、材料一：为进一步支持实体经济发展，优化流动性结构，降低融资成本，中国人民银行决定下调金融机构存款准备金率1个百分点，其中，2019年1月15日和1月25日分别下调0.5个百分点。同时，2019年一季度到期的中期借贷便利（MLF）不再续做。这样安排能够基本对冲今年春节前由于现金投放造成的流动性波动，有利于金融机构继续加大对小微企业、民营企业支持力度。 A.库存现金+商业银行在中央银行的存款 B.法定存款准备金率×库存现金 C.法定存款准备金率×存款总额 D.存款准备金-法定存款准备金 【答案】 CCA8N4E9C5K5T8B5HX10P9I8H7N8F3G1ZO6W9C2X2M5F5M1 9、 在( )计量属性下，资产和负债按照在公平交易中，熟悉情况的交易双方自愿进行资产交换或者债务清偿的金额计量。 A.现值 B.公允价值 C.历史成本 D.重置成本 【答案】 BCM1S2C10N3Y4V8V4HL6N3C4Y3R9X1W5ZX2A2G8X6T9M10N9 10、材料二：2018年上半年，我国经常账户逆差1801亿元，资本和金融账户顺差4247亿元，其中，非储备性质的金融账户顺差7451亿元，储备资产增加3192亿元。 A.逆差385亿美元 B.顺差385亿美元 C.逆差951亿美元 D.顺差951亿美元 【答案】 BCO10I1K6J5J1P7E4HK4R7H10W7S3Q5I4ZU8S1K10L2I8Q9M6 11、资料：No matter how carefully you pick the members on your team,you may still end up with a negative employee.These workers don’t necessarily fall into the category of “toxic,”but they’re just kind of a drag with their cynical, pessimistic worldview.If you ‘re dealing with a negative employee,here are 3 steps to take. A.Help solve the workplace disputes for the negative employee B.Put the negative employee in a suitable working position C.Have the negative employee’s colleagues to avoid arguments with him/her D.Support the negative employee to go through challengses outside the office 【答案】 CCW7U10N8Q2U3P4U2HE3H9I2W4F6L2K5ZM8R2S4L10X2O4V4 12、剩余价值率反映的是（　　）。 A.不变资本的价值增值程度 B.资本家对工人的剥削程度 C.固定资本的价值增值程度 D.预付资本的价值增值程度 【答案】 BCY4W7E7Z6F2T10C1HD6T9A10X9M1J10B7ZH1J7A7T10P2E2Z9 13、资料： The following passage is the introduction about one of the Monsell international financial products.According to the passage,there will be 5 questions.You should read carefully,then select the right answer. A.Together with Primary Chequing,you can own 20 accounts B.If you make 32 transaction,a fee of $1.4 will be charged C.You will be able to save up to $240.5 a month on fees D.You can sell U.S.cash（up to $5,000 U.S.per transaction）at preferred exchange rate 【答案】 CCG6S8J2I2E9R1V10HX3L10R5P3C8R10B1ZX3G2L2M4D6E9M3 14、在我国，随着经济发展和改革的深入，“短缺经济”转变为“过剩经济”，投资消费需求膨胀一度转变为投资消费需求不足。1997年下半年，我国零售物价指数开始全面持续下跌，存在“通货紧缩趋势”。为此中国人民银行采取了一系列货币政策措施予以应对。 A.不动产信用控制 B.窗口指导 C.道义劝告 D.直接干预 【答案】 CCF10Q2Y3U6Z9J3A6HH10L10S7C5Z1X8W8ZK5S3E8Y6W4K3J10 15、The fact is that _____ is given to seniority and many people would rather be the tail of a lion than the head of a dog. A.priority B.focus C.emphasis D.attention 【答案】 ACV5M3L9I2S10A6J7HL10Y4I6S1Z10L4D4ZQ2G2Z9Y4F2I6T6 16、资料：Changing careers is becoming more popular. Not just because there are more career options available, but also out of necessity. As new industries arise, others die. It's up to you to figure out if your career is still going to be around in the next 5-10 years. Some studies say we could have as many as nine careers in our professional lifetime. Which begs the question: do you know what it takes to successfully change career lanes repeatedly? A.As new industries arise, the popularity of different careers also change B.Nowadays people don’t know what they really want to do C.Because changing careers is becoming more popular D.Because one could have as many as nine careers in his professional lifetime 【答案】 ACN7G6S10B10A1B4B8HY2A6F8H4X2L5N5ZR4R9F7T5A1W3K9