2013年工行校园招聘笔试复习题集和答案
2013年工商银行校园招聘笔试真题
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近2013年工商银行校园招聘笔试真题
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近
推荐栏目：海南银行考试招聘网海南农信社考试网
中公金融人海南分校微博：海南中公金融人
海南金融人微信：hinoffcn
地址：海口市大同路24号万国大都会写字楼17楼（从西侧万国大都会酒店招牌和工行附近。
中国工商银行招聘考试笔试题目试卷历年考试真题
中国⼯商银⾏招聘考试笔试题⽬试卷历年考试真题⼯商银⾏校园招聘考试笔试资料历年考试真题⼯⾏历年考试真题：英语60分钟100题，托业，速度是王道题⽬真的不难，给⼤家说⼀下速度有多重要。
我的英语⼀直都还可以的，⽽且⼤学四年全英语教学。
⼤概是这样的情况：；裸考过六级，当然分数不⾼。
雅思复习10天拿了7分。
对⾃⼰有点⼉⾃信，但是由于节奏没有把握好，竟然没有做完！！前⾯⼀些题没有进⼊状态，做得慢悠悠，导致后⾯后悔都来不及！！以后要考的同学⼀定要注意速度！题⽬嘛，包含单选，类似于改错的体型，还有阅读理解，有很多是英⽂的电⼦邮件，也有⼀些是通知，算是应⽤⽂吧。
不难，但是阅读要费点时间。
如果要复习英语的话主要是练⼀下速度和保持节奏。
综合知识因为完全没有复习，所以⽊有话语权不知道到底该看什么资料，也不知道复习有多⼤⽤。
说说关于⼯⾏知识的那⼏题吧。
强烈建议考前上⼀下⼯商银⾏的官⽅⽹站，看⼀下本年度资产多少，盈利多少，记住⼀定要本年度！！当然基本的⼯⾏历史啊什么的还是要有所了解。
还要看⼀下⼯⾏有没有在本年度在海外开新的分⾏，我当时就看到了⼯⾏在2011年在印度孟买开了分⾏，结果果然考到了。
官⽹是上了你⼀定会有所收获的地⽅，关键是付出很少，看⼀个多⼩时就可以了。
⾏测因为不是在中国⼤陆读书的，对这玩意⼉totally不懂啊。
虽然不懂，但是毕竟做过笔试了，建议还是有⼀些。
⾸先仍然是速度。
第⼆，我考前在淘宝买了⼀本⾏测，到了最后⼀天最后⼀个晚上才看，因为我认为熟悉题型是最基本的，起码要知道它会考什么样的题型，⼼⾥有点⼉底。
我感觉应该是⾏测上的题型笔试中都有出现。
所以如果是情况和我类似的同学最好是每个题型都练⼏道题，感受⼀下。
也可以对图形变换啊，数列稍微有所复习，找点感觉。
总体感受最最重要的就是做题速度和节奏！！对于我来说，不是在⼤陆上学情况有点不⼀样。
在考前学校⾥仍然有很多很多事情要做，真的有点⼉⼒不从⼼，完全没时间复习笔试。
2013年主要银行校园招聘真题回忆
1、2013年中国工商银行校园招聘题型和内容是什么？2013工行校园招聘笔试时间：2012年11月11日9:00至12:2060分钟的英语：40个单选，12个完型，48个阅读，托业类型，（单项选择40题，完形填空12题，阅读理解48题）30分钟综合：工行相关、时政、综合知识，共计五十题。
60分钟行测：59个题，（(1)语言理解与表达21题，数量关系4题，图形推断5题，逻辑判断14题，图表15题（3组图表，每组5小题））。
20分钟性格测试，共计九十题。
科技类30分钟50道题。
2、2013年的中国工商银行校园招聘具体涉及的知识点有哪些？总共170分钟，英语60分钟，100道题，托业的题型，时间挺紧张。
阅读理解设置的有点坑爹，前面几篇是一篇文章一个题，后面是一篇文章多个题；综合知识30分钟，30道题，工行新闻（工行发行的那一种卡是贷记卡、欧洲货币杂志颁给工行的奖叫啥名、工行在波南设立分行的名称，最坑爹的是考了工行语音银行的客服电话是多少），时事政治（奥运会奖牌数和金牌数、莫言的作品名、一个什么什么会的主题、俄罗斯是WTO的多少个成员国），经济学、管理学，会计学，金融学，今年还多了概率统计的题；没有计算机类的题。
工行的经营策略，设立波兰分行的是工行的哪个国外机构，伦敦奥运会中国奖牌总数，金牌数，中国第一艘航母的名称，工行的荣誉：最佳中国银行，工行的银行卡哪个是贷记卡，哪一篇不是莫言的作品，激励类型，控制类型，目标管理是谁提出的，恩格尔系数和恩格尔曲线，完全竞争市场的特点，增加了概率统计的内容：中位数，正态分布，零假设，给定置信区间，求均值；会计知识：资产，复试记账法，离岸业务，哪个是流动资产、资产负债表体现的信息、复式记账法、货币紧锁政策、合同是什么、无边标准差、管理幅度、定序和定比、国债利率下调对现金的影响。
行测60分钟，60道题，今年的行测比较难，时间太紧。
作为考试科技类，必然要说说这与银行业务类不同的30分钟----50道选择题。
工商银行招聘考试内容_真题
工商银行招聘考试内容：2013年工商银行招聘考试具体内容：60分钟英语：单选40/完型12/阅读48，托业类型60分钟行测：59题30分钟综合：50题，工行相关、时政、综合知识20分钟性格测试：80题2014工商银行校园招聘的考试内容页可以参考以上！建议大家要考的话，最好买本教材或是报个辅导班比较好！推荐中公金融人，很权威！《金融人2014全国银行招聘考试专用教材·历年真题+全真模拟预测试卷》《金融人2014全国银行招聘考试专用教材·银行招聘考试一本通》《金融人2014全国银行招聘考试专用教材·职业能力测验》《金融人2014全国银行招聘考试专用教材·经济·金融·会计》工商银行招聘考试真题：1.甲公司收到某外商投资者作为资本投入的外币60万美元，当日市场汇率为1美元=8.3人民币元。
甲公司以人民币为记账本位币。
双方签订的投资合同中约定汇率为1美元=8.0人民币元。
甲公司收到外币时，应计入资本公积的金额是（）万元。
A.0B.18C.480D.498【答案】B。
解析：计算：60×（8.3-8.0）做分录如下：借：银行存款498 （60×8.3 ）贷：实收资本 480（60×8.0）资本公积 182.下列各项中，应通过“其他应付款”科目核算的是（）。
（摘自《中公金融人·经济·金融·会计》）A.应付现金股利B.应交教育费附加C.应付租入包装物租金D.应付管理人员工资【答案】C。
解析：A 应付现金股利计入“应付股利”科目核算；B 应交教育费附加通过“其他应交款”科目核算；C 应付租入包装物租金通过“其他应付款”科目核算；D 应付管理人员工资通过“应付工资”科目核算。
3.2005年1月1日某企业所有者权益情况如下：实收资本200万元，资本公积17万元，盈余公积38万元，未分配利润32万元。
则该企业2005年1月1日留存收益为（）万元。
2013年中国银行校园招聘完整试题真题及答案解析
2013年中国银行校园招聘完整试题真题及答案解析考试时间：180分钟第一部分英语能力测试考试时间：60分钟该部分托业考试，直接委托托业官方机构出题，由于为国外机构，对知识版权和保密要求高，考试结束后即收回题目，因此无法取得原题。
该部分英语一共100题：40道填入选择题，25道片段选词填空题，35道阅读题。
难度不高，涉及语法，固定搭配，词义。
阅读可以直接从文章中找到答案，文章很短。
建议参阅我们的豪华完整版的英语部分进行复习，里面包含大量托业词汇和试题。
第二部分职业能力测试共70道题目，60分钟1.虽然中国现行文物法规中还缺少直接针对世界文化遗产的具体条款，世界文化遗产和中国的文物保护单位还不能简单对接，但是中国遗产保护的实践充分证明，文物法的基本精神以及党和国家文物工作的方针，完全适用于世界文化遗产领域。
世界文化遗产的特性与各级文物保护单位的本质是相同又相通的。
这段文字讨论的问题是（）。
A. 中国现行文物法规有哪些主要特点B. 中国遗产保护实践与世界文化遗产的特性C. 怎样看待中国遗产保护的实践工作D. 中国文物法是否适用于世界文化遗产领域【答案】 D【解析】题目的论述主体中提到了“中国文物保护法”以及“世界文化遗产的保护”，此外在文段中间部分通过转折词“但是”引导出文段的主题句，即“文物法……完全适用于世界文化遗产领域”，因此该文段讨论的主要问题就是D项。
2.所谓“建筑艺术”指的只是建筑的“艺术性”，单纯就此而言，与绘画、雕塑、音乐、舞蹈等纯艺术的“艺术性”相较，有时并不在其下，甚至还可能超过而且不可替代。
但除了纪念碑、纪念塔、凯旋门等极个别者几乎可以视同为雕塑那样的纯艺术以外，建筑多具有实用功能，不能与其他纯艺术作品简单混同。
这段话主要阐明的是（）。
A. 建筑艺术与纯艺术有差异B. 建筑兼具艺术性和实用性C. 建筑中只有部分是纯艺术D. 建筑艺术具有不可替代性【答案】 B【解析】题目中首先明确了“建筑艺术”的概念，即体现了其“艺术性”，然后通过转折词“但”表达了大多数建筑具有的实用功能，即“实用性”。
2013年工商银行校园招聘笔试试题(含答案)
2013年工商银行校园招聘笔试试题一、单项选择题。
（共60题，每题1分，共60分。
每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。
A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。
A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。
A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。
A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。
A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。
A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。
A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。
A.9%B.7.43%C.10.8%D.9.89%9.假定某储户2004年8月1日存入定活两便储蓄存款5000元，于2004年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（）。
A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（）。
A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。
A.市场利率B.优惠利率C.固定利率D.实际利率12.某银行2004年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在2005年5月20日还贷款时应付利息为（）。
A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。
A.汽车金融公司B.汽车集团公司C.汽车股份公司D.金融投资公司14.投资基金是由若干法人发起设立，以（）的方式募集资金A.发行受益凭证B.发行金融债券C.组织存款D.发行股票15.中央银行发行货币、集中存款准备金属于其（）。
2013工商银行笔试英语真题
2013工商银行笔试英语真题D英语部分专项练习（一）Part I Reading ComprehensionDirections: There are 4 reading passages in this part. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A., B., C. and D. You should decide on the best choice and mark the corresponding letter on the Answer Sheet with a single line through the center.Questions 1 to 5 are based on the following passage:If the salinity of ocean water is analyzed, it is found to vary only slightly from place to place. Nevertheless, some of these small changes are important. There are three basic processes that cause a change in oceanic salinity. One of these is the subtraction of water from the ocean by means of evaporation—conversion of liquid water to water vapor. In this manner, the salinity is increased, since the salts stay behind. If this is carried to the extreme, of course, white crystals of salt would be left behind; this, by the way, is how much of the table salt we use is actually obtained.The opposite of evaporation is precipitation, such as rain, by which water is added to the ocean. Here the ocean is being diluted so that the salinity is decreased. This may occur in areas of high rainfall or in coastal regions where rivers flow into the ocean. Thus salinity may be increased by the subtraction of water by evaporation, or decreased by the addition of fresh water by precipitation or runoff.Normally, in tropical regions where the sun is very strong, the ocean salinity is somewhat higher than it is in other parts of the world where there is not as much evaporation. Similarly, in coastal regions where rivers dilute the sea, salinity is somewhat lower than in other oceanic areas.A third process by which salinity may be altered is associated with the formation and melting of sea ice. When seawater is frozen, the dissolved materials are left behind. In this manner, seawater directly beneath freshly formed sea ice has a higher salinity than it did before the ice appeared. Of course, when this ice melts, it well tend to decrease the salinity of the surrounding water.In the Weddell Sea, off Antarctica, the densest water in the oceans is formed as a result of this freezing process, which increases the salinity of cold water. This heavy water sinks and is found in the deeper portions of oceans of the world.1. What is the main topic of the passage?A. Where do we get our table salt?B. Oceanic salinity in tropical regionsC. Three basic processes that alter oceanic salinityunfolded through the efforts of specialists in many fields. Recording field observation, new theories and methods, and worldwide studies of existing glaciers are bringing a clearer understanding of the Great Ice Age.6. Which of the following is NOT implied in the passage?A. Man has a lot more to learn about the Great Ice Age.B. The art of making tools was instrumental in bringing about the evolution of human brain.C. Many species were not suited to the warmer climates of the Bronze and Iron Age.D. The relationship between glacial ice and the amount of water in the ocean basins was not seen until more than a hundred years ago.7. According to the article, which of the following will induce the depression of sea level?A. formation of great masses of ice sheet on the landB. precipitationC. shoreline variationsD. the advent of warm-dry interglacial climates8. Why does the author cite the example of the Great Salt Lake in Utah?A. to show that it is a lake created in the Great Ice AgeB. to show that it once was the largest lake in the United StatesC. to show that it evolved from the Bronze and Iron AgeD. to show that it is what remained of the once large lake Bonneville9. Which of the following can be learned about early man based on the information provided in the passage?A. The exact time of his appearance on the Earth is uncertain.B. He evolved rapidly physically and culturally during the Bronze and Iron Age.C. The ability to make primitive tools distinguished man from other animals.D. Early man lived mainly on animals hunted.10. The best source of information about the Great Ice Age is obtained from _____.A. rock formationsB. fossil remainsC. primitive tools used by early manD. Antarctica's ancient glacierQuestions 11 to 15 are based on the following passage:Prolonging human life has increased the size of the human population. Many people alive today would have died of childhood diseases if they had been born a hundred years ago. Because more people live longer, there are more people around at any given time. In fact, it is a decrease in death rates, not an increase in birth rates, that has led to the population explosion.Prolonging human life has also increased the dependency load. In all societies, people who are disabled or too young or too old to work are dependent on the rest of society to provide for them. In hunting and gathering cultures, old peoplewho could not keep up might be left behind to die. In times of famine, infants might be allowed to die because they could not survive if their parents starved, whereas if the parents survived they could have another child. In most contemporary (当代的) societies, people feel a moral obligation to keep people alive whether they can work or not. We have a great many people today who live past the age at which they want to work or are able to work; we also have rules which require people to retire at a certain age. Unless these people were able to save money for their retirement, somebody else must support them. In the United States many retired people live on social security checks which are so little that they must live in near poverty. Older people have more illness than young or middle-aged people; unless they have wealth or private or government insurance, they must often go on welfare if they have a serious illness.When older people become senile or too weak to care for themselves, they create grave problems for their families. In the past and in some traditional cultures, they would be cared for at home until they died. Today, with most members of a household working or in school, there is often no one at home who can care for a sick or weak person. To meet this need, a great many nursing homes and convalescent (康复的) hospitals have been built. These are often profit-making organizations, although some are sponsored (赞助) by religious and other nonprofit groups. While a few of these institutions are good, most of them are simply dumping grounds for the dying in which care is given by poorly paid, overworked, and under-skilled personnel.11. What was the cause to the population growth according to the passage?A. increase of birth rateB. advance in medical careC. well-administered social welfareD. the decrease of death rate12. It can be learned from the passage that in some traditional societies _____.A. infants may be left to die when there isn't enough food to go aroundB. old and sick people are cared for at home until they diedC. people are required to retire at a certain ageD. people who are too weak or ill have to take care of themselves13. What do es the word “senile” in the first line of the last paragraph mean?A. advanced in ageB. sickC. disabledD. capricious14. What is the author's attitude toward the nursing homes and convalescent hospitals mentioned in the paragraph?A. suspiciousB. optimisticC. neutralD. critical Questions 15 to 20 are based on the following passage:Although we already know a great deal about influenza, and although the World Health Organization is constantly collecting detailed information from its chain of influenza reference laboratories throughout the world, it is extremely difficult for epidemiologists (流行病专家), who study infectious disease, to predict whenand where the next flu epidemic will occur, and how severe it will be.There are three kinds of influenza virus, known as A, B and C. Influenza C virus is relatively stable and causes mild infections that do not spread far through the population. The A and B types are unstable, and are responsible for the epidemics that cause frequent concern. Following any virus attack, the human body builds up antibodies which confer immunity to that strain of virus, but a virus with the capacity to change its character is able to by-pass this protection. Variability is less developed in the influenza B virus, which affects only human beings. An influenza B virus may cause a widespread epidemic but will have little effect if introduced into the same community soon afterwards, since nearly everyone will have built up antibodies and will be immune. The influenza A virus, which affects animals also, is extremely unstable and is responsible for some of the worst outbreaks of the disease, such as the unparalleled pandemic, or world epidemic, of 1918-1919, when about half the world's population were infected and about twenty million people died, some from pneumonia caused by the virus itself and some from secondary complications(并发症) caused by bacteria. Accurate prediction is difficult because of the complication of the factors. A particular virus may be related to one to which some of the population have partial involved immunity. The extent to which it will spread will depend on factors such as its own strength, or virulence, the ease with which it can be transmitted and the strength of the opposition it encounters. Scientists, however, have a reliable general picture of the world situation. Influenza A attacks us in waves every two or three years, while influenza B, which travels more slowly, launches its main assaults every three to six years. The outbreaks vary from isolated cases to epidemics involving a tenth or more of the population. We may confidently prophesy that sooner or later large numbers of people will be feeling the unpleasant effects of some kind of influenza virus.15. Which of the following is the most appropriate title for the passage?A. Symptoms of InfluenzaB. Man Versus VirusC. World Health Organization: Forefront against Influenza VirusD. Variability of Influenza Virus16. According to the author, which of the following is NOT true about influenza?A. Man has obtained a great deal of knowledge about influenza.B. The occurrence of influenza is still unpredictable.C. Influenza is being studied extensively and systematically in many countries in the world under the guidance of World Health Organization.D. No reliable treatment of influenza has yet been found.17. What does the author say about the influenza B virus?A. B virus is relatively stable and causes mild infections that do not spread far through the population.B. B virus is unstable, and is responsible for the epidemics that cause frequent concern.C. B virus is extremely unstable and is responsible for some of the worstoutbreaks of the disease.D. B virus has a very developed variability, and it affects only human beings.18. Which of the following is the most dangerous virus according to the passage?A. influenza A virusB. influenza B virusC. influenza C virusD. it cannot be determined by the information provided19. What does the word “assault” in the eighth line of the last paragraph mean?A. influenceB. attackC. symptomD. damage20. Which of the following is NOT mentioned as a factor contributing to the extent to which a virus spreads?A. the strength of the virusB. the strength of the opposition the virus encountersC. the ease with which the virus can be transmittedD. the immunity the virus can inducePart II Vocabulary and StructureDirections: There are 30 incomplete sentences in this part. For each sentence there are four choices marked A., B., C. and D. Choose the ONE that best completes the sentence. Then mark the corresponding letter on the Answer Sheet with a single line through the center.21. The facts he supplied were not relevant _____the case in question.A. withB. toC. forD. about22. A committee has been _____ by the counsel to look into the causes of unemployment.A. designedB. devisedC. workedD. set up23. Few articles in the newspapers _____more attention than that reporting the murder case with O.J. Simpson involved.A. enlistB. divertC. drawD. absorb24. Julia _____two children since she got married in 1990.A. gives birth toB. has given birth toC. has been giving birth toD. gave birth to25. The hospital was built on the side of a river, hence _____.A. it has the name RiversideB. given the name RiversideC. has got the name RiversideD. the name Riverside26. It took them several weeks to _____the wild horse.A. cultivateB. civilizeC. curbD. tame27. By the time you graduate, we _____in Australia for one year.A. will be stayingB. will have stayedC. would have stayedD. have stayed28. He appreciated _____the chance to deliver his thesis in the annual symposium on Comparative Literature.A. having givenB. to have been givenC. to have givenD. having been given29. They left for the airport very early in the morning _____traffic jam.A. in line withB. at the risk ofC. in case ofD. for the sake of30. Living in the desert involves a lot of problems, _____water shortage is the worst.A. not to mentionB. of whichC. let aloneD. for what31. The government official can hardly find sufficient grounds _____his arguments in favor of the revision of the tax law.A. on which to baseB. which to be based onC. to base on whichD. on which to be based32. Hydrogen is one of the most important element in the universe _____it provides the building blocks from which the other elements are produced.A. so thatB. but thatC. provided thatD. in that33. Just as relaxation is an important part of our lives, _____ stress.A. so isB. as it isC. and so isD. the same is34. While a young man, he decided to put aside a little money every month to make for his old age.A. provisionB. supplyC. adjustmentD. insurance35. The sales department has submitted a _____of their annual sales report to the board of directors.A. scheduleB. sketchC. shorthandD. scheme36. It would be difficult for anyone to behave in a _____way when one is in a furious state.A. rationalB. legalC. stableD. credible37. The final exams approached, _____the students became more and more nervous.A. notwithstandingB. forC. althoughD. as38. Vingo took a bus and headed for home, if his wife would have _____him back.A. not to knowB. not knownC. not knowingD. not having known39. We can make an exception _____.A. in any case of JohnB. in case of JohnC. in case of John'sD. in the case of John40. When the Cultural Revolution was launched in China, his father _____college.A. attendedB. had been attendingC. was attendingD. has been attending41. It's not safe to carry valuables around here. You'd better _____them in the hotel safe along with your passport.A. saveB. hideC. packD. deposit42. To proof-read these piles of documents is very time _____.A. consumingB. spendingC. expendingD. wasting43. According to the weather _____, tomorrow will be overcast and dull.A. forecastB. forewordC. premonitionD. prophecy44. Armed with all the first-hand evidence, I was able to _____his argument in the court.A. denyB. refuseC. contradictD. refute45. This information doesn't shed any light _____the problem.A. inB. towardC. onD. to46. They feel they are justified _____the child because he was not behaving himself.A. to punishB. to be punishingC. in punishingD. punishing47. We can't just _____his guilt. We've got to have some hard evidence to prove it.A. assumeB. presumeC. believe inD. guess48. _____in the first round of the competition, our team took the earliest flight back.A. Being knocked outB. Having been knocked outC. We were knocked outD. We had been knocked out49. If the door was not forced open, _____that the burglar must have had a key.A. it followsB. it is followedC. following isD. it will be followed50. The famous football star was _____ with the murder of his ex-wife and her boyfriend.A. convictedB. chargedC. blamedD. accused参考答案Part I Reading Comprehension1. D。
中国工商银行招聘考试题库考试试题、考试真题及答案解析
中国工商银行招聘考试笔试真题汇编整理工行校招全国统一考试，考试内容主要为行测、综合知识、英语和性格测试，题目实际上是不难的，但要有针对性的复习，多练题目是肯定的！建议报考的同学提前做好复习准备，考试资料可以到“壹银考”上面找找，资料确实不错，比较有针对性，资料都是上届学长们根据考试情况精心整理出来的，大家可以去了解一下！工行考试经验分享整理一：包含会计题10+，金融10+（卤煮这两方面都小白，故蒙的），数学计算15+（都是大的计算题，不让用计算器），英语20（阅读理解、改错选择、完形填空，涉及一个银行发展历程、它针对青少年的业务方案、一个女孩妈妈想替孩子申请银行贷款资助学业的信函、几条美国和中国的新闻非常简单），翻转六格图纸1道，阅读理解（阅读量较大，生物识别、瞳孔识别和掌膜识别的不同），材料分析3+（针对虚设银行中的业务：办理业务等待时间与满意程度的分析、不同时段地点人流量分析等），具体情景解决方案5+（比如说同事做事方法与你不对路，你又需要跟他谈论方案，你咋办？或者因为你有过类似经验，别的team需要你帮忙洽谈业务，但你现在特别忙，明天有纪要汇报给boss，你咋办？等等），5-7个句子重新排序5道左右，选择或替换正确的词语填到句子里面，填空题10+（都是要你计算具体数字），距离和速度问题2道，还有甲乙丙丁说的话各一半对错，猜最后的结论选择，类似的题有甲乙丙丁出行天气排序问题，这样的题有3+，拿某种颜色的球的概率题2+，计算日期2+（比如2004年成立的诺鑫银行，到2014年XX月XX日刚好十周年，是个星期一，那成立那天是星期几？再比如2014年11月15日是周六，那么图中显示的月份是2014年几月份？性格测试131道，1-90二选一的看哪一项更适合自己，91-130的是一句话从非常不同意到非常同意的六个选项，131题是从91-130之间选出最适合自己的三项工行考试经验分享整理二：今天的笔试题目有两部分，140分钟题目＋40分钟性格测试。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
2013年工商银行校园招聘笔试预测题一、单项选择题。
（共60题，每题1分，共60分。
每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（C）。
A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（C ）。
A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（B ）。
A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（D）。
A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（B）。
A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（B）。
A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（A）。
A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（D）。
A.9%B.7.43%C.10.8%D.9.89%9.假定某储户2004年8月1日存入定活两便储蓄存款5000元，于2004年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（D）。
A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（B ）。
A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（D）。
A.市场利率B.优惠利率C.固定利率D.实际利率12.某银行2004年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在2005年5月20日还贷款时应付利息为（A）。
A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（A ）。
A.汽车金融公司B.汽车集团公司C.汽车股份公司D.金融投资公司14.投资基金是由若干法人发起设立，以（A ）的方式募集资金A.发行受益凭证B.发行金融债券C.组织存款D.发行股票15.中央银行发行货币、集中存款准备金属于其（B）。
A.资产业务B.负债业务C.表外业务D.特别业务16.根据我国法律规定，我国的证券交易所是（B ）。
A.以盈利为目的的法人B.不以盈利为目的的法人C.公益性机构D.政府机构17.改革开放以来，为适应我国市场经济建设的需要，深圳证券交易所于（A）正式开业。
A.1991年7月3日B.1990年11月26日C.1992年11月19日D.1989年10月20日18.一般而言，金融机构主要分为（A ）两大类。
A.银行与非银行金融机构B.银行与证券机构C.银行与保险机构D.政策性银行与商业银行19.按照我国的规定，要求金融机构的注册资本应当是（A ）。
A. 实收资本B.附属资本C.债务资本D.国有资本20.某商业银行的核心资本为300亿元，附属资本为40亿，拥有三类资产分别为6000亿元、5000亿元、2000亿元，与其对应的资产风险权数分别为10%、20%、100%，其资本充足率为（B ）。
A.8.5%B.9.4%C.10.5%D.7.4%21.无论是国家资本、法人资本、个人资本或外资资本，凡投入金融机构永久使用和支配的，都形成其（C）。
A.资本公积B.资本盈余C.实收资本D.应收资本22.在我国，财政性存款、特种存款、准备金存款都属于（A ）管理的存款。
A.中央银行B.商业银行C.合作银行D.政策性银行23.我国的法定存款准备金率由（D）规定并组织执行。
A.国务院B.金融工委C.中央财经工作领导小组D.中国人民银行24.按照银行监会规定，我国商业银行资本充足率的最后达标期限为（D）A.2004年3月1日B.2005年3月1日C.2006年1月1日D.2007年1月1日25.下列单位可以作为贷款保证人的是（C ）。
A.国家机关B.企业法人的职能部门C.具有法人授权的分支机构D.以公益为目的的事业单位26.反映抵押合同与质押合同的主要区别的是（B ）。
A.借款人与贷款人要以书面形式订立合同B.合同生效日C.借款人不能按期履行清偿时担保品的处理规定D.贷款清偿后，担保品处理规定27.将全部投资资金集中投资于短期证券或长期证券的投资方法属于（A ）投资法。
A.期限分离B.分散化C.灵活调整D.债券交换28.若投资者持面额相同、票面收益率相同、到期限相同的AB两种债券，其市场价格相同，但预计A债券的到期收益率会高于B债券，这时投资者应该（B ）。
A.卖出A债券，买入B债券B.买入A债券，卖出B债券C.采取价格交换投资法D.采取收益净增交换投资法29.商业银行在中央银行的法定准备金存款，要按规定的调整日定期调整，当调整日按规定计算的应交法定存款准备金大于上一调整日所计算的法定存款准备金时，其（A ）。
A.超额准备金减少，可用头寸B.超额准备金增加，可用头寸增加C.超额准备金增加，可用头寸减少D.超额准备金增加，可用头寸增加30.银行已贴现的票据，到期付款人不能清偿时，银行首先应该向（B）追索。
A.贴现申请人B.票据承兑人C.贴现银行D.保证人31.证券回购市场上交易的证券主要是（A ）。
A.国债B.股票C.存单D.票据32.已知某商业银行法定准备金存款100万元，超额准备金存款200万元，自留准备金占超额准备2%，则其超额准备金可用量为（C）万元。
A.100B.200C.196D.29433.证券中介机构是指（B ）。
A.证券发行人和投资者B.证券经营机构和证券服务机构C.证券协会D.证券监管机构34.证券发行者自己组织销售的证券发行方式是（A ）。
A.直接发行B.间接发行C.代理发行D.公开发行35.通过发行股票筹集资金组建起来的，以盈利为目的的证券交易所是（B）。
A.会员制证券交易所B.公司制证券交易所C.连锁制证券交易所D.单一制证券交易所36.证券买卖双方成立后，在规定的时间内收付应收应付款项和证券的过程称为（C）。
A.清算B.过户C.交割D.买手37.按我国现行规定，如下商业承兑汇票签发与承兑的正确表述是（B ）。
A.承兑银行签发并承兑B.付款人签发并承兑C.收款人签发并承兑D.付款人签发，收款人承兑38.由出票人签发的，委托付款人在指定日期无条件支付确定的金额给收款人或持票人的票据是（B ）。
A.银行汇票B.商业汇票C.银行本票D.支票39.支票分为现金支票、转账支票和普通支票，普通支票（A）。
A.既可以支取现金，也可以用于转账B.可以支取现金，但不可以转账C.不可以支取现金，只能用于转账D.只能用于个人，不能用于单位40.下列只能用于转账结算的票据是（D）。
A.银行汇票B.银行本票C.支票D.商业汇票41.银行卡中具有透支功能的卡有（D）。
A.转账卡B.储值卡C.专用卡D.贷记卡42.在我国，国内信用证为（D）的跟单信用证。
A.不可撤销，但可转让B.可以撤销，不可转让C.可以撤销，可以转让D.不可撤销，不可转让43.在会计核算中，要求一个会计期间内的各项收入与其相关联的费用、成本应当在同一会计期间内进行确认、计量。
这是会计核算一般原则中的（D ）。
A.可比性原则B.一致性原则C.及进性原则D.配比原则44.“过去的交易、事项形成并由企业拥有或控制的资源，该资源预期会给企业带来经济利益”。
这是指会计核算要素中的（A ）。
A.资产B.所有者权益C.收入D.利润45下列属于会计核算中帐务组织构成部分的一项为（A ）。
A.明细核算B.凭证传递C.科目设置D.记账规则46.在委托收款和托收承付结算业务中，委托行收到托收款项同时，借记科目是（B）。
A.联行往账B.联行来账C.活期存款D.应解汇款47.下列属于反映商业银行经营成果的指标的（B）。
A.固定资本比率B.资本金利润率C.流动比率D.资本风险比率48.某银行上年末的有关财务指标为：营业支出为5200万元（其中：业务管理费为780万元），营业收入为6800万元（其中：金融机构往来利息收入为380万元），该银行上年末的费用率为（B）。
A.76.47%B.12.15%C.11.47%D. 81%49.商业银行核心资本充足率应在（D）以上，才符合监管要求。
A.8%B.10%C.50%D.4%50.借款人目前有能力偿还贷款本息，但是存在一些可能对偿还产生不利影响的因素，这类贷款是（C ）。
A.正常类贷款B.次级类贷款C.关注类贷款D.可疑类贷款51.我国资产负债比例管理指标中，人民币存贷款比例指标应控制在（D）以内。
A.90%B.50%C.80%D.75%52.根据我国规定，对损失类贷款的专项准备金计提比例为（D）。
A.20%B.25%C.50%D.100%53.金融风险中的市场风险包括（B）。
A.利率风险和流动性风险B.汇率风险和价格波动风险C.信用风险和基准风险D.操作风险和道德风险54.借款人无法足额偿还贷款本自，即使执行担保，也肯定造成较大损失的贷款是（B ）。
A.次级贷款B.可疑贷款C.损失贷款D.关注贷款55.债权人为向国外债务人收取贷款，开具汇票，委托其所在地开户银行向国外债务人收款的结算方式是（B）。
A.汇款结算方式B.托收结算方式C.委托收款结算方式D.信用证结算方式56. 在国际托收结算中，如下属于代收行责任的是（A）。
A.核对托收行的委托书签字B.接受委托人和提示行的有关指示C.对托收货物采取存仓措施D.对托收货物采取保险措施57.在国际结算中，有关当事人只是处理单据，银行只看单据而不管货物，对所装货物和实际情况如何、是否中途损失、能否如期到达目的港，均不负责任的国际结算方式是（C ）结算。
A.汇款B.托收C.信用证D.保函58.对于信用证条款不完整，密押不符，要与开证行联系的银行是（A）。
A.通知行B.议付行C.保兑行D.偿付行59.出口地银行凭信用证开证行的邀请而买入出口商的合格单据，对出口商垫付资金，再从开证银行得到偿付的信用证是（D ）。
A.即期付款信用证B.延期付款信用证C.承兑信用证D.议付信用证60.预付款保函，又称（B ）。
A.借款保函B.还款保函C.投标保函D.付款保函二、多项选择题。
（共20题，每题2分，共40分。
每题的备选项中，有2个或2个以上符合题意，至少有1个错项，错选，本题不得分；少选，所选的每个选项得0.5分）、61.人民币现金归行的渠道主要有（）。
A.工资收入B.商品销售收入C.服务事业收入D.财政信贷收入E.外汇收入62.中央银行投资基础货币的渠道包括（）。
A.对个人贷款B.收购金、银、外汇C.买卖政府债券D.对金融机构贷款E.对工商业企业贷款63.在其他条件不变的情况下，银行贷款利率降低，一般会使（）。