题库检测2023年银行招聘之银行招聘综合知识能力检测试卷B卷（含答案）

题库检测题库检测 20232023 年银行招聘之银行招聘综合知识能力年银行招聘之银行招聘综合知识能力检测试卷检测试卷 B B 卷（含答案）卷（含答案）单选题（共单选题（共 8080 题）题）1、()不属于反映企业在一定会计期间的经营成果的会计要素。A.资产 B.收入 C.费用 D.利润【答案】A 2、在商业银行资产负债管理中，体现速度对称原理的平均流动率指标是指（）。A.资产的平均到期日与负债的平均到期日之比 B.负债的平均到期日与资产的平均到期日之比 C.流动资产的平均到期日与流动负债的平均到期日之比 D.流动负债的平均到期日与流动资产的平均到期日之比【答案】A 3、代保管业务主要指商业银行的（）。A.保管箱业务 B.委托代办债券还本付息业务 C.代发股票红利业务 D.代理证券资金清算等业务【答案】A 4、Although the great white shark has a fearsome _，in a straight fight，it is outclassed by the killer whale.A.reputation B.imagination C.aggression D.acquisition【答案】A 5、客户支取现金时，应填制本行()，先到会计部门的有关专柜办理手续。A.现金支票 B.银行本票 C.银行汇票 D.现金存条【答案】A 6、Passage 3 A.They treat the dollar with a little respect B.They try to win in the weak-dollar gamble C.They treasure their marriages all the more D.They vacation at home rather than abroad【答案】D 7、从效力层级看，下列法律中效力最高的是（）A.中华人民共和国渔业法 B.中华人民共和国渔业船舶检验条例 C.中华人民共和国渔业行政执法船舶管理办法 D.长江渔业管理规定【答案】A 8、In low and middle income countries,heart disease and cancer get much of the attention given to_diseases.A.contagious B.transparent C.chronic D.immune【答案】C 9、Recently,Xiangning started to communicate with Mike,the contact person of Monsell.A.perfect B.more perfect C.most perfect D.perfectest【答案】A 10、实行混业经营集中监管的国家，对银行机构业务经营的范围（）。A.实行严格的限制 B.实行一定程度的限制 C.基本没有限制 D.完全没有限制【答案】B 11、资料：To：Sherry Linton A.Michal Jackson B.Many joy C.A kind of greeting D.The initials of Melanie Jury【答案】D 12、I（）in the library every night over the last three months.A.works B.worked C.have been working D.had been working【答案】C 13、It was because she was too inexperienced_she didnt know how to deal with thesituation.A.so that B.that C.that is why D.so【答案】B 14、The students failed to meet the necessary（）for admission to the course.A.fulfillment B.requirements C.qualities D.competency【答案】B 15、（）的基本内容是：只要财产权是明确的，并且交易成本为零或很小，则无论在开始时将财产权赋予谁，市场均衡的最终结果都是有效率的。A.帕累托定理 B.欧拉定理 C.恩格尔定理 D.科斯定理【答案】D 16、下列哪种结算工具适用于同城或异地企业单位根据购销合同先发货后延期付款的结算？（）A.银行汇票 B.商业汇票 C.银行本票 D.支票【答案】B 17、根据我国劳动合同法的规定，下列各项中不属于劳动合同必备条款的是（）。A.劳动合同的期限 B.工作内容和工作地点 C.社会保险 D.违约金【答案】D 18、账簿按用途不同可分为三大类，下列分类正确的是（）。A.两栏式账簿、三栏式账簿、多栏式账簿 B.日记账簿、分类账簿、备查账簿 C.订本式账簿、活页式账簿、卡片式账簿 D.日记账簿、分类账簿、数量金额式账簿【答案】B 19、对结账日后()个工作日止仍未兑现的大额支票以及其他已签发一个月以上的未兑现支票，应审查其发生的原因。A.5 B.10 C.15 D.20【答案】B 20、贾某赴新加坡出差，行前到交通银行兑换 500 新加坡元，这时银行使用的价格是（）。A.钞买价 B.汇卖价 C.汇买价 D.钞卖价【答案】B 21、大额可转让定期存单最早产生于美国。美国的Q 条例规定商业银行对活期存款不能支 付利息，定期存款不能突破一定限额。20 世纪 60 年代，美国市场利率上涨，高于Q 条例规 定的上限，资金从商业银行流入金融市场。为了吸引客户，商业银行推出可转让大额定期存 单。购买存单的客户随时可以将存单在市场上变现出售。A.收益风险高 B.流动性差 C.容易造成通货膨胀 D.收益率低【答案】B 22、预期违约侵犯了合同相对方的（）。A.完全债权 B.既得债权 C.期待债权 D.自然债权【答案】C 23、The companys profits are（）to hit their peak in the next quarter mainly due to the release of its new line of clothing.A.forecast B.forecasting C.to forecast D.will forecast【答案】A 24、资料：The poverty line is the minimum income that people need for an acceptable standard of living.People with incomes below the poverty line are considered poor.Economists study the causes of poverty in order to find solutions to the problem.A.Confidence B.Ability C.Diligence D.Willpowe【答案】D 25、假设某银行体系：（1)原始存款总额为 100 万元；（2)法定准备金额为8%;(3)现金漏损率为 10%;(4)超额准备金率为 2%;(5)定期存款准备金率为4%;(6)定期存款总额为 20 万元。根据上述材料，回答下列问题：A.K=1/(r+h)B.K=1/(r+h+e)C.K=1/(r+h+e+tS)D.K=1/(r+h+et+s)【答案】C 26、资料：What if you were told there was a way you may strengthen your cognitive skills and heighten your intelligence,and all you had to do was was learn to strike up basic conversations in another language?A.It helps people stay focused B.It memorizes a sequence of directions C.Its a command system D.It directs the attention processes【答案】B 27、In the experiment,the researcher placed a rat in a maze,_ it was presented with different smells to see if it can resist the distraction and get to the exit.A.what B.that C.where D.which【答案】C 28、下列诗句中，出自杜甫笔下的是（）A.出师未捷身先死，长使英雄泪满襟 B.遥知兄弟登高处，遍插茱萸少一人 C.在天愿作比翼鸟，在地愿为连理枝 D.天生我材必有用，千金散尽还复来【答案】A 29、投资银行的最核心业务之一是（）。A.证券经济与交易业务 B.收购兼并业务 C.风险投资业务 D.证券发行与承销业务【答案】D 30、资料：Why is Salt Bad for You?A.salt consumption leads to a stroke B.sodium excreted in urine is a measure of salt intake C.an increase in blood pressure causes an increase in salt consumption D.the higher the sodium in urine,the greater the chance of hypertension【答案】D 31、资料：A man looking for art for his new home has won a$1 million Picasso painting with a$138 raffle ticket.Jeffrey Gonano told the Pittsburgh Tribune-Review hes not sure hell ever hang the masterpiece in his home in Wexford,in western Pennsylvania,given its value.The 25-year-old Gonano,who works for his familys fire sprinkler business,learned Wednesday that his ticket had won the Paris raffle.Organizers say nearly 50,000 tickets were sold worldwide,for 100 euros apiece,to benefit a Lebanese charity.A.Gonano will break up with Spatoro B.Gonano will sell the Picasso Painting C.Gonano will move to France D.Gonano will put the painting on display【答案】D 32、由某一个人或某一集团通过购买两家或更多的银行多数股票的形式，形成联合经营的银行组织制度属于（）。A.持股公司制度 B.连锁银行制度 C.分支银行制度 D，单一银行制度【答案】B 33、高尔基说：“智慧是珠宝，如果用谦虚谨慎镶边，就会更加绚烂夺目。”这表明（）。A.良好的科学文化修养有利于促进思想道德修养 B.良好的思想道德修养有利于促进科学文化修养 C.只要提高思想道德修养，就一定能提高科学文化修养 D.思想道德修养的提高与科学文化修养无