2022年银行招聘考试题库高分300题附答案解析(贵州省专用)

《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、某公司测算，若采用银行业务集中法，增设收账中心，可使公司应收账款平均余额由现在的800万元减至600万元，每年增加相关费用15万元。该公司年综合资金成本率为10%， 则（）。 A.该公司应采用银行业务集中法 B.该公司不应采用银行业务集中法 C.不应采用银行业务集中法而应采用邮政信箱法 D.无法确定 【答案】 ACT8Q4M1E6G3X3F3HI9X2Y1U2T7D3R2ZK9N10O10Y2W2W8H5 2、与其他金融机构相比，商业银行最明显的特征是（ ）。 A.以盈利为目的 B.提供金礅服务 C.吸收活期存款，创造信用货币 D.执行国家金融政策 【答案】 CCZ7G5H1I5E8N4S3HE4H7O4N1I3H10W6ZQ4C3U5W3Q10K8C5 3、Passage 6 A.Less Screening for More Safety B.PreCheck–a Belated Solution C.Getting Stuck in Security Lines D.Underused PreCheck Lanes 【答案】 CCG1L3X7W5B6W5F9HY1X3O3K10Q1I5X2ZQ4K4K6Z1V1N3N8 4、下列句子中语句排列最连贯的一项是（　　）。 A.（4）（5）（3）（1）（2） B.（5）（4）（2）（1）（3） C.（5）（3）（4）（1）（2） D.（4）（1）（2）（3）（5） 【答案】 BCE1U6L8J6O1O9W9HA10V1I9X7Q10R4C5ZU5I9W8K6E1X8G8 5、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.Three Way to Build an Effective Team B.How to be a Positive Employee C.Is it Important to Sustain a Successful Workplace Environment D.Several Tips for Managing a Team 【答案】 ACQ8A9M7Y1L1X9Z4HB8Q2Z9F10J1O3J5ZL7L4Q2A1F7V2Z3 6、资料：We all know that lack of sleep affects our memory along with other cognitive abilities. Sitting in the office sleep deprives it’s difficult to remember your own name, let along the ever-lengthening to-do list. A.The memory distortion B.The amount of sleep C.The short-term memory D.The ability to recall long list 【答案】 BCW3L5E8E3H2Y5E2HF8F2P3J4U5N1L6ZB10G1J6G4I8B8U5 7、 按照承担贷款风险的主体分类，贷款可分为自营贷款和（　　）。 A.委托贷款 B.担保贷款 C.单一贷款 D.银团贷款 【答案】 ACN6B4M1M6S10I1P6HL2W5I1V8U7O2N5ZC4D6M2P1E5R1V8 8、资料：Global business travel topped $1.2 trillion and is expected to reach $1.6 trillion by 2020, according to new research by the Global Business Travel Association（GBTA）, an association representing the interests of corporate travel managers. What’s more China has now surpassed the U.S. as the largest business travel market in the world, ringing up $291 billion last year. A.Airbnb service in usage doubled in recent fiscal year B.Businessmen cut cost by using Airbnb service C.Sharing economic is about to take the lead D.Airbnb succeeds in competing with traditional accommodation channels to attract longer stays 【答案】 DCQ4X9G2A7M7H4U1HX5V9E6B3O3V5Q10ZV3S10E6F10W6H10W4 9、The students failed to meet the necessary （ ） for admission to the course. A.fulfillment B.requirements C.qualities D.competency 【答案】 BCG7L9H3I5H8K7D2HU8P7Q6X2V5G8V7ZB4F3R9Y6E1U2N6 10、Today,only 4 million people live and work on farms in the United States,but they produce more than enough food for 200 million Americans.They are able to do this because modern agriculture depends more on up-to-date machinery and scientific methods than it does on old-fashioned knowledge and human labor. A.Modern Farming in the USA B.Problems with Modern Agriculture C.Farming of Today D.Modernization of Agriculture 【答案】 ACT3L7W8R6J4K9C9HN8H1K1V10Z10Q2R10ZY10U6A4Q9O8D1R10 11、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously. A.Chinese business philosophy B.China’s business culture C.Doing business in China D.Guanxi in China 【答案】 BCO10Q3F2C3E6E6Z7HL10K7B9S4X6S7O3ZJ3S4V10L10I8U1M3 12、甲、乙两人现有的效用水平分别为10和20，资源的再配置使得两人的效用发生了变化，属于帕累托改进的一种变动是（　　）。 A.甲的效用变为10，乙的效用变为15 B.甲的效用变为8，乙的效用变为25 C.甲的效用变为8，乙的效用变为30 D.甲的效用变为10，乙的效用变为30 【答案】 DCH3M5P1A9W10U4F6HA7X5X6W1N9V3P3ZD3O3I8P1I1R2H1 13、The doctor hit me just below the knee to test my ___. A.influxes B.inflows C.flexes D.reflexes 【答案】 DCR2S9E9U5Q9J7B6HL5V9Q2B4M1Y4W10ZJ2R8W3C7H6M7C10 14、Dream is a story that a person watches or even takes part in during sleep.Dream events are imaginary,but they are related to real experiences and needs in the dreamer’s life. A.Dream is a confusing story which involves little logic thought B.Dream involves events that always happen in real life C.Dream is related to the dreamer's real life D.Dream is an imaginary story which seems real while taking place 【答案】 BCF3A4M6A3C7X6Z1HG3P1Z10G10L1C9T2ZQ2Q5H1U3I4A8S8 15、 合同被撤销之后，合同的效力（　　）。 A.自撤销时无效 B.自始无效 C.没有成立 D.自发现撤销事由之日起无效 【答案】 BCW5T8L8G10U9H10E3HV8I7Q4N4C9Z10M1ZA1O1L8X9E3Y5J8 16、在地球亿万年演化过程中形成的泥质滩涂，是大自然馈赠给人类的宝贵资源，具有不可替代的重要生态功能。看似“荒芜”的滩涂中栖息着许多尚未被认识的植物、动物和微生物，是珍贵的生物多样性基因库；作为连接陆地与海洋的过渡地带，滩涂具有净化水质、调节气候、调节气体等许多肉眼看不到的功能，维系着陆海物质循环和生态平衡。此外，滩涂还具有防御海浪冲刷、减缓盐水侵蚀等功能，是名副其实的陆地保护天然屏障。 A.泥质滩涂其实就是荒芜的滩涂 B.泥质滩涂具有重要的生态功能 C.人类对泥质滩涂的保护力度不够 D.泥质滩涂受破坏现象十分严重 【答案】 BCK3C7J8D8P4M8A10HB10S10U7V7U4D3Q6ZS6N2A6Z1D1B4W6 17、商品内在的使用价值和价值的矛盾，其完备的外在表现形式是（ ）。 A.商品与商品的对立 B.具体劳动与抽象劳动的对立 C.私人劳动与社会劳动的对立 D.商品与货币的对立 【答案】 DCW9T10K4M2F4S6F9HV1H9Z6T5S3O4I1ZS4M4N4X5H2T3J4 18、为满足同一设备项目的融资需要，由政府贷款与出I21贷款共同组成的贷款，称之为（