中国银行招聘考试笔试题目试卷 历年考试真题
中国银行招聘考试职业能力测验历年真题试卷及答案解析
中国银行招聘考试职业能力测验历年真题试卷及答案解析一、言语理解与表达(共20，分数：40.00)1.春秋、战国的确是中国历史上举足轻重的“盛世”，虽然政治上混乱不堪、军事上征战连绵，痛苦、泪水、鲜血始终纠缠着这一时期的人们，但对于思想、对于文化、对于科技等却是前所未有甚至空前绝后的“黄金时期”，甚至从无序的政治混沌角度着眼，旧有政治体系在激烈的社会变革中土崩瓦解，代之以更为先进、更加充满活力的新兴政治架构，亦不失为一种良性事实。
即使攻战杀伐不休的军事活动也催生出《孙子兵法》这样的“珍珠”，也用大国吞并小国的方式为中国大地注入了新鲜的血液。
如果乱世拥有的只是痛苦，那么璀璨的文明就无以诞生，也无以继复。
根据这段文字，可以推断出下列哪一选项为正确的?() A.乱世有痛苦，但也可以产生灿烂的文明，东晋十六国及南北朝时期虽然战祸连绵，但是文化、科技繁盛，所以不能完全否认其历史意义√B.弱肉强食的社会环境对中国的历史发展来说是正当的，因为它可以为中国不断注入新鲜的血液C.如果旧有政治体系在激烈的社会变革中土崩瓦解，国家将会变得更有活力、更加先进，所以动乱也有其合理的一面D.春秋、战国这样的“盛世”与唐朝盛世是完全不一致的。
前者主要体现在文化上、思想上、科技上。
后者则主要体现在平稳的政治上【解析】由文段最后一句话可知，选项A正确。
B项，文段并未表明“弱肉强食”的社会环境是否正当。
C项的因果关系文中并未体现。
D项无中生有。
2.或许你曾经在科幻小说里看到过“硅基生命"这个词，硅在元素周期表中排在碳的下面，砷在硅的下面。
人们一直幻想地外生命可能是以硅为基石的，不过科学界首次发现的类似取代并没有发生在碳上，而发生在磷上——天体生物学家菲莉莎?沃尔夫?西蒙带领的研究小组发现了一种能够完全以砷替换磷的细菌，它甚至可以将砷结合到其DNA中去。
所以这种新的生命被称为“砷基生命”。
实际上这种说法是错误的，新发现的生命仍然是碳基的，并不能被称为砷基。
中国银行招聘笔试试题及答案
WORD格式.中国银行招聘笔试试题及答案一、专业知识不定项选择题1、一家美国公司将在 6 个月后收到一笔欧元货款，该公司采取的汇率风险防范措施有() 。
A、做即期外汇交易买进欧元B、做远期外汇交易卖出欧元C、买进欧元看跌期权D、做欧元期货空头套期保值E、做货币互换交易标准答案：B,C,D解析：即期外汇交易适用于进口场合，货币互换交易适用于长期对外借贷场合。
2、证券现场检查的重点是() 。
A、盈利B、风险C、财务D、合规标准答案：D3、解决交易成本问题的办法是靠() 。
A、规模经济B、加强管理C、控制支出D、降低交易额标准答案：A4、治理通货膨胀首先要() 。
A、刺激需求B、控制需求C、增加供给D、减少供给标准答案：B5、我国衡量收益合理性的指标包括() 。
A、资本利润率B、资产利润率C、贷款损失准备提取比例D、收入增长率和支出增长率标准答案：A,B,C,D6、可在签约时采用的汇率风险管理方法有() 。
A、即期外汇交易B、贷款和投资C、保险D、选择有利的合同货币E、加列合同条款标准答案：D,E7、下列属于银行市场运营监管的主要内容是()A、资本充足性B、资产安全性C、流动适度性D、收益合理性E、运营效率性标准答案：A,B,C,D8、我国商业银行全面实行资产负债比例管理是在() 年。
A、1997年B、1998年C、1999年D、2000年标准答案：B9、金融相关比率是指某一时点上()A、金融资产存量与国民财富之比B、金融资产增量与国民财富之比C、金融资产存量与对外净资产之比D、金融资产增量与政府财政之比标准答案：A10、金融发展对经济增长和发展最重要的作用是()B、对稳定经济活动的贡献C、对稳定收入的贡献D、对长期经济平均增长水平的总体贡献标准答案：D11、证券交易所的证券交易原则是() 。
A、公开、公平、公正B、价格优先、时间优先C、公开报价、电子配对D、金额大者先行交易12、可以用来解决金融市场逆向选择和道德危害的两个重要工具是() 。
中国银行历年招聘考题试卷及答案
中国银行招聘考题笔试试卷及解答一.单项选择题1.国际收支全面反映一国的对外( )关系。
A.政治B.经济C.军事D.文化2.各国政府可以根据本国的需要调整纸币的( )。
A.铸币平价B. 平价C.购买力平价D.黄输送点3.资本国际流动更多采取的是( )形式。
A.固定利率债券B.固定利率贷款C.浮动利率贷款D.浮动利率债券4.1997年下半年由( )贬值开始引起亚洲融危机，最终演变为冲击全球的融动荡。
A.英镑B.日元C.韩元D.泰铢5.对企业影响最大，企业最关心的一种外汇风险是( )。
A、汇率风险B、交易风险C、经济风险D、会计风险6.在现货市场和期货交易上采取方向相反的买卖行为，是( )。
A.现货交易B.期货交易C.期权交易D.套期保值交易7.在国际银团贷款中，借款人对未提取的贷款部分还需支付( )。
A、担保费B、承诺费C、代理费D、损失费8.企业或个人的未来预期收益因汇率变化而可能受到损失的风险称为( )。
A、交易风险B、经济风险C、会计风险D、汇率风险9.世界上最大的贴现市场是( )。
A.伦敦贴现市场B.纽约贴现市场C.苏黎士贴现市场D.香港贴现市场10.以下哪种说法是错误的( )。
A、外国债券的付息方式一般与当地国内债券相同。
B、欧洲债券不受面值货币国或发行市场所在地的法律限制。
C、由国际性承销辛迪加承销的国际债券称为欧洲债券。
D、外国债券不受所在地国家证券主管机构的监管。
11.抛补套利实际是( )相结合的一种交易。
A.远期与掉期B.无抛补套利与即期C.无抛补套利与远期D. 无抛补套利与掉期12.根据外汇交易和期权交易的特点，可以将外汇期权交易分为( )A. 现货交易和期货交易B.现货汇权和期货期权C. 即期交易和远期交易D. 现货交易和期货交易13.以下哪种说法是错误的( )A. 外币债权人和口商在预测外币汇率将要上升时，争取延期收汇，以期获得该计价货币汇率上涨的利益。
B. 外币债务人和进口商在预测外币汇率将要下降时，争取提前付汇，以免受该计价货币贬值的风险。
中国银行校园招聘笔试真题及参考答案(一)
中国银行校园招聘笔试真题及参考答案（一）1.我国人民币的主币是：A：元B：角C：分D：厘2.按复利计算，年利率为5%的100元贷款，经过两年后产生的利息是：A：5元B：10元C：10.25元D：20元3.以下关于汇率的说法中错误的是：A：汇率是两种货币之间的相对价格B：汇率的直接标价法可以表示为1单位外币等于多少本币C：我国的汇率报价一般采用直接标价法D：我国的汇率报价一般采用间接标价法4.香港联系汇率制度是将香港本地货币与哪种货币挂钩?A：英镑B：日元C“美元D：欧元5.我国的三家政策性银行是：A：中国人民银行国家开发银行中国农业发展银行B：中国进出口银行国家开发银行中国农业发展银行C：国家开发银行中国农业银行中国进出口银行D：中国农业发展银行国家开发银行中国邮政储蓄银行6.下列哪一项不属于商业银行的“三性”原则?A：安全性B：流动性C：盈利性D：政策性7.以下不属于金融衍生品的是：A：股票B：远期C：期货D：期权8.下列哪家机构不属于我国成立的金融资产管理公司?A：东方B：信达C：华融D：光大9.我国于2003年初组建的银行业监管机构是：A：中国人民银行B：中国银监会C：中国证监会D：中国保监会10.在国际银行监管史上有重要意义的1988年《巴塞尔协议》规定，银行的总资本充足率不能低于：A：4% B：6%C：8% D：10 %参考答案：1、答案：A2、答案：C3、答案：D4、答案：C5、答案：B6、答案：D7、答案：A8、答案：D9、答案：B10、答案：CX。
中国银行招聘笔试试题及答案
中国银行招聘笔试试题及答案一、专业知识不定项选择题1、一家美国公司将在6个月后收到一笔欧元货款，该公司采取的汇率风险防范措施有()。
A、做即期外汇交易买进欧元B、做远期外汇交易卖出欧元C、买进欧元看跌期权D、做欧元期货空头套期保值E、做货币互换交易标准答案：B,C,D解析：即期外汇交易适用于进口场合，货币互换交易适用于长期对外借贷场合。
2、证券现场检查的重点是()。
A、盈利B、风险C、财务D、合规标准答案：D3、解决交易成本问题的办法是靠()。
A、规模经济B、加强管理C、控制支出D、降低交易额标准答案：A4、治理通货膨胀首先要()。
A、刺激需求B、控制需求C、增加供给D、减少供给标准答案：B5、我国衡量收益合理性的指标包括()。
A、资本利润率B、资产利润率C、贷款损失准备提取比例D、收入增长率和支出增长率标准答案：A,B,C,D6、可在签约时采用的汇率风险管理方法有()。
A、即期外汇交易B、贷款和投资C、保险D、选择有利的合同货币E、加列合同条款标准答案：D,E7、下列属于银行市场运营监管的主要内容是()A、资本充足性B、资产安全性C、流动适度性D、收益合理性E、运营效率性标准答案：A,B,C,D8、我国商业银行全面实行资产负债比例管理是在()年。
A、1997年B、1998年C、1999年D、2000年标准答案：B9、金融相关比率是指某一时点上()A、金融资产存量与国民财富之比B、金融资产增量与国民财富之比C、金融资产存量与对外净资产之比D、金融资产增量与政府财政之比标准答案：A10、金融发展对经济增长和发展最重要的作用是()B、对稳定经济活动的贡献C、对稳定收入的贡献D、对长期经济平均增长水平的总体贡献标准答案：D11、证券交易所的证券交易原则是()。
A、公开、公平、公正B、价格优先、时间优先C、公开报价、电子配对D、金额大者先行交易标准答案：B12、可以用来解决金融市场逆向选择和道德危害的两个重要工具是()。
中国银行招聘笔试考试真题
中国银行招聘笔试考试真题1．下列属于债权的是（）。
A．应付账款 B．应付职工薪酬 C．应收票据 D．预收账款2．账户的左方和右方，哪一方登记增加，哪一方登记减少，取决于（）。
A．所记经济业务的重要程度B．开设账户时间的长短C．所记金额的大小 D．所记录的经济业务和账户的性质3．会计科目是指对（）的具体内容进行分类核算的项目。
A．会计主体B．会计要素C．会计假设D．会计信息4．所有者权益类账户的借方记录（）。
A．增加发生额B．减少发生额 C．增加或减少发生额D．以上都不对5．下列有关账户的表述中，不正确的是（）。
A．会计科目和账户所反映的会计对象的具体内容是完全相同的B．会计科目是账户设置的依据C．按照会计科目提供核算资料的详细程度，账户可以分为总分类账户和明细分类账户D．账户是根据会计科目设置的，它没有格式和结构6．复式记账法是以（）为记账基础的一种记账方法。
A．试算平衡 B．资产和权益平衡关系C．会计科目 D．经济业务7．借贷记账法的发生额试算平衡公式是（）。
A．每个账户的借方发生额=每个账户的贷方发生额B．全部账户期初借方余额合计=全部账户期初贷方余额合计C．全部账户本期借方发生额合计=全部账户本期贷方发生额合计D．全部账户期末借方余额合计=全部账户期末贷方余额合计8．会计凭证按其（）不同，分为原始凭证和记账凭证A．填制的方法B．取得的来源 C．填制的程序和用途D．反映经济业务的次数9．记账凭证的填制是有（）完成的。
A．出纳 B．会计人员 C．经办人员 D．主管人员10．下列会计凭证中属于原始凭证的是（）。
A．收款凭证 B．付款凭证C．转账凭证 D．发料凭证汇总表11. 反映企业在某一特定日期的资产，负债和所有者权益及其相互关系的会计报表是（）A.利润表B.资产负债表C.利润分配表D.财务状况变动表12. 下列资产中，流动性最强的是（）A.应收票据B.其他应收款C.预收账款D.应收账款13. 用大写表示人民币 30010.56 元的正确写法是( )A.人民币叁万零拾元零伍角陆分B.人民币三万零十元五角六分C.人民币三万零十元五角六分整D.人民币叁万零拾元伍角陆分整14. 甲公司用银行存款 100 万还银行借款，这一业务对会计等式的影响是（）A、资产不变B、所有者权益减少C、资产增加D、所有者权益不变15. 下列事项中违背权责发生制的是（）A .预收出租包装物一年的租金 3000 元，全部列作本期收入B .将本期赊销产品的收入 10000 元全部作为本期收入处理C .预提短期借款利息，尚未支付，但作为本期费用确认D. 购买办公用品的支出全部列做本期费用16. 假设有一笔半年期的 1000 元定期存款，设定年利率为 10%，则其到期利息应为（）元A.100B.50C.30D.20017. 我国习惯上将年息、月息、日息都以“厘”作单位，但实际含义却不同，若年息 8 厘，月息 6 厘，日息 3 厘，则分别是指（）A．年利率为 8％，月利率为 6％，日利率为 3‰B．年利率为 8‰，月利率为 6％，日利率为 3‰C．年利率为 8‰，月利率为 6‰，日利率为 3％D．年利率为 8％，月利率为 6‰，日利率为 3‰018、企业支付的产品广告费，应通过（）科目核算A．主营业务成本 B．营业税金及附加 C．管理费用 D．销售费用19.商业银行计提贷款损失准备的做法符合商业银行会计核算的（）A. 真实性原则B.相关性原则C.权责发生制原则D.谨慎性原则20.某公司 2012 年 12 月 31 日“应收账款”科目借方余额为 6000 元，“预收账款—A 公司”借方余额为 3000 元，“坏账准备”科目贷方余额为 1500 元，则年末资产负债表中“应收账款”项目的金额是（）A.4500 元B.6000 元C.7500 元D.9000 元【参考答案】1.【答案】C。
中国银行总行招聘笔试试题 答案
中国银行总行招聘笔试试题+答案中国银行总行招聘笔试试题+答案第一部分：英语能力测试一．阅读理解资料1：If you had awakened on the floor of the Las Vegas Convention Center and tried to figure out where you were, you might have first guessed the Conclave (秘密会议) of American Optimists．You would have seen 115,000 people buzzing with confidence and excitement．On the other hand, noting how many passers-by were loudly talking to themselves, you might have concluded that you had wandered into the International Expo of Eccentrics．Instead, it was the Consumer Electronics Show, also known as CES, held in Jan．9th –12th．No wonder those attending were happy.First, of course, they were in their element, surrounded by the smallest and shiniest new gadgets (小配件)．Second, despite the gloom in other slices of the economy, sales of consumer electronics in the United States actually grew last year (to a record $96 billion)．This trade show of manufacturers, retailers and customers was alive with energy and crowded with exhibits.The vitality of this exposition is a sign of the times．The interest and innovation in PCs is nothing next to the action in other realms of high tech．As proof, compare the show with what was once its big brother: Comdex, the personal-computer trade show held each November at the same site．Thanks to the severe decline in the PC industry, the Las Vegas Comdex was only half the size of its incarnation．The 2,200 booths included lavish displays by Panasonic, Sony, Philips, Toshiba and other heavy hitters．But hundreds of smaller, quirkier companies were also present, exhibiting electric toothbrushes, illuminated cell-phone faceplates, laser pens and publications from Widescreen Review to Progressive Grocer．There were 46 exhibitors in the alarm-clock category alone, and even anelectric-typewriter company.To reach those smaller booths, though, you had to pass what seemed like half the $10,000 plasma(等离子)TV screens ever made．This proliferation(丰富)of gorgeous wide-screen sets was only one hint that TV makers, at least, are ready for the great American switch to high-definition television,which the Federal Communications Commission hopes to see completed by .But a few obstacles stand between the average American and high-def happiness: the prices of these sets, the reluctance of cable companies to broadcast high-definition shows, Hollywood’s campaign to cripple high-definition broadcasts so that you can’t record them, and so on．(As many seminar panelists observed, however, strides are being made in all those areas．)The most interesting items at Microsoft's booth were the prototype wristwatches that use the company’s new Smart Personal Object Technology (SPOT) software．Due by year’s end from Citizen, Fossil and other companies, these watches can receive messages, news, weather, sports and stock reports wirelessly in metropolitan areas for a small monthly fee, of course.The most alarming item at Microsoft's booth, on the other hand, was its six-room mock-up of an American house with Microsoft products—cars, phones, TVs, games, appliances—in every nook and cranny．It’s only a matter of time before you'll see people rebooting their toasters．The digital camera models on display were cheaper, better and smaller than their predecessors．Olympus’s Stylus 400, for example,is a tiny, silver, pocketable wonder that takesfour-megapixel photos (enough resolution for 13-by-19-inch prints)．It’s due in the spring for $400．1．Why are 115,000 people buzzing with confidence and excitement?[A] ．They are truly strange people to feel overexcited at seeing new things.[B]． They are going to be pleased by thepassers-by.[C] ．They are visiting the International Expo of New Products.[D] They are feeling optimistic at seeing the displays on CES.2．The Las Vegas Comdex was held only half the size of its incarnation because ___________.[A] the industry lacks exciting innovations.[B]． the industry slowed down its development.[C]． the sale volume greatly shrank that year[D] ．its production declined for short ofcapital3．The fact that there were 46 exhibitors in the alarm-clock category alone shows_______.[A] ．the alarm-clock making industry has contributed greatest to the success of the show[B] the small industrial section—alarm-clock making—can serve as an sign to show the great advances in electronics[C] the alarm-clock making industry is thefastest developmental section in electronics industry[D]． the exhibitors in the alarm-clock category are particularly active in displaying their products4．By it can be expected to __________according to paragraph 6.[A] ．reach those smaller booths.[B]． see high-definition plasma television sets available on the US market[C] ．reach those smaller booths with the $10,000 plasma TV screens[D] ．proliferate wide screen sets in the USA5．The digital camera models on display__________________.are cheaper in price, and higher in quality than their predecessorsII．.are pocketable due to its being tiny in size III．are all worthy of no more than 400 USdollars[A] I only [B] II only[C] I and .II [D] I, II and II答案：D C B B C资料2：For many years the automation research departments of the world have been using laser based analysis system to increase the understanding of the workings of the internal combustion engine．The laser has been incorporated into systems to measure drop size, velocity andvibration to name but a few．But few laser-based systems are able to aid the study of all these phenomena with the same system．The Applied Optics Group at Rover Groups Gardon Research & Development Center have been using just such a system and finding new uses for it all the time.The system in use is a High Speed Imagining Division of Oxford Lasers LTD．The High Speed Imaging system comprises an Oxford Lasers LS20Copper Vapor laser linked to a Kodak 4540 Digital High Speed Motion Analysis Camera capable of taking up to 40,500 digital frames per second．The Kodak 4540 records the images to DRAM memory allowing immediate play back of the recorded images for viewing, recording to videotape or to PC for analysis．The Copper Vapor laser acts as a short duration flash emitting pulses of only 30 nanoseconds in duration in full synchronization with the frame rate of the camera The flashes have the effect of reducing the exposure time of the camera, thus removing image blur due to the high speed of the subject under view, whilst maintaining image contrast due to the high intensity of the laser light．Another feature of the system is the ability to focus down the light．This has two benefits．The first is the ability to make laser light sheets for the 2 dimensional illumination of 3 dimensional subjects．This technique has great benefit when used to map the air flow into the combustion chamber of a running model engine．Not only can the air-flow be mapped but the progress of the flame front growth during the combustion cycle．The second is the ability to shine the laserlight down a fiber optic cable．This aids in the illumination of areas of the running engine very difficult to access by normal optics．This has been particularly useful in the study of air motion in a variety of combustion system concepts.The group plans to use the Copper Vapor laser to improve the ability of the technique to see these vibrations and therefore allow a better understanding of the cause of them．The technique could also applied to look at the airbag enclosure as it tears and composite materials under dynamic crush testing．6．How many uses of the laser-based analysis system does the author want to show us?[A] ．One [B] ．Two [C]． Three [D] ．Much more than three7．Which of the following does the High Speed Imaging system comprise ________.[A] ．an Oxford Lasers LS20 Copper Vapor laser[B] ．4540 Digital High Speed Motion Analysis system[C] ．DRAM memory allowing immediate play back of the recorded images for viewing[D]． a High Speed Imagining Division of Oxford Lasers LTD．8．Which of the following is the main advantage of the laser flashes?[A] ．Keeping image contrast [B] ．getting rid of image blur[C] ．Increase the intensity of light [D]． Allis said in A, B, and C9．Which of the following uses is NOT TRUE according to the passage?[A] ．The laser light can help to make the three dimensional bodies look as if they were of two dimensions.[B]． The air-flow can thus be made easier to be mapped with the laser.[C] ．The turning speed of the combustion engine can be accelerated by using vapor laser.[D] ．The exposure time of the camera can be reduced by the laser flashes.10．Which of the following can be the best title of the passage?[A]．At the Speed of Light[B]． A High Speed Imagining Division Made by the Oxford Lasers LTD.[C]． A Miraculous Application of Laser in Testing the Internal Combustion Engine[D] ．Automobile research and Laser Technology答案： D A D C C资料3：When I was a little girl, my brothers and I collected stamps for many years．My mother didn't use to work during the week, but she worked in the post office near our house on Saturdays, and she used to bring home all the new stamps as soon as they were issued.On the day of the World Cup football final in London in 1966, we were very excited because England were playing West Germany in the final．When we were having lunch, my mother told us to go to the post office straightaway after the match if England won, but she didn't tell us why．At 2 o'clock my mother went back to work as usual, while the rest of the family were watching the football on TV at home．Although she wasn't watching the match, she was listening to it on the radio．England won 4:2 and so my brothers and I ran to the post office．As we burst in, my mother wasstanding behind the counter．She was waiting tosell us a very special limited edition with ENGLAND WINNERS on each stamp．We were over the moon.We still have it today, and perhaps it is worth a lot of money．11．This passage mainly tells us __________．A．the author and her brother used to like stamps very muchB．the author had a very kind motherC．the author and her brother had an unforgettable experience in collecting stamps D．their mother used to support them by workingin the post office12．According to the passage, her mother workedin the post office ________．A．during the weekB．on SaturdaysC．on SundaysD．for six days13．Their mother told them to go to the post office straightaway after the match if England won, but she didn't tell them why．Why do you think she did that?A．She wanted to give them a surprise.B．She doubted if she would get the stamps.C．She forgot to do that．D．She thought it unnecessary to tell them the reason．14．What does the sentence "We were over the moon．" mean?A．We jumped high．B．We were extremely happy about it.C．We watched the moon for a long time.D．We couldn't sleep the whole night.15．What is the best title for this passage?A．My Childhood.B．My Mother.C．A Precious Stamp.D．A Memorable Experience in Collecting Stamps．答案：.C B A B D资料4：You stare at waterfall for a minute or two, and then shift your gaze to its surroundings．What you now see appears to drift upward.These optical illusions occur because the brain is constantly matching its model of reality to signals from the body’s sensors and interpreting what must be happening—that your brain must havemoved, not the other; that downward motions is now normal, so a change from it must now be perceived as upward motion.The sensors that make this magic are of two kinds．Each eye contains about 120 million rods, which provide somewhat blurry black and white vision．These are the windows of night vision; once adapted to the dark, they can detect a candle burning ten miles away.Color vision in each eye comes from six to seven million structures called cones．Under ideal conditions, every cone can “see” the entire rainbow spectrum of visible colors, but one type of cone is most sensitive to red, another to green, a third to blue．Rods and cones send their messages pulsing an average 20 to 25 times per second along the optic nerve．We see an image for a fraction of a second longer than it actually appears．In movies, reels of still photographs are projected onto screens at 24 frames per second, tricking our eyes into seeing a continuous moving picture.Like apparent motion, color vision is also subject to unusual effects．When day gives way to night, twilight brings what the poet T.S．Eliotcalled “the violet hour．” A light levels fall, the rods become progressively less responsive．Rods are most sensitive to the shorter wavelengths of blue and green, and they impart a strange vividness to the garden’s blue flowers.However, look at a white shirt during the reddish light of sunset, and you’ll still see it in its “true” color—white, not red．Our eyes are constantly comparing an object against its surroundings．They therefore observe the effect of a shift in the color of illuminating on both, and adjust accordingly.The eyes can distinguish several million graduations of light and shade of color．Each waking second they flash tens of millions of pieces of information to the brain, which weaves them incessantly into a picture of the world around us.Yet all this is done at the back of each eye by a fabric of sensors, called the retina, about as wide and as thick as a postage stamp．As the Renaissance inventor and artist Leonardo da Vinci wrote in wonder, “Who would believe that so small a space could contain the images of all the universe?”16.Visual illusions often take place when the image of reality is ___.A.matched to six to seven million structures called cones.B.confused in the body’s sensors of both rods and cones.C.interpreted in the brain as what must be the case.D.signaled by about 120 million rods in the eye.17.The visual sensor that is capable of distinguishing shades of color is called ___.A.conesB.color visionC.rodsD.spectrum18.The retina send pulses to the brain ___.A.in short wavelengthsB.as color picturesC.by a ganglion cellD.along the optic nerve.19.Twenty-four still photographs are made into a continuous moving picture just because ___.A.the image we see usually stays longer than it actually appears.B.we see an object in comparison with its surroundings.C.the eyes catch million pieces of information continuously.D.rods and cones send messages 20 to 25 times a second.20.The author’s purpose in writing the passage lies in ___.A.showing that we sometimes are deceived by our own eyes.rming us about the different functions of the eye organs.C.regretting that we are too slow in the study of eyes.D.marveling at the great work done by the retina.答案：C A D A B资料5：We can begin our discussion of “population as global issue” with what most persons mean when they discuss “the population problem”: too many people on earth and a too rapid increase in the number added each year．The facts are not in dispute, It was quite right to employ the analogy that likened demographic growth to “a long, thinpowder fuse that burns steadily and haltingly until it finally reaches the charge and explodes．”To understand the current situation, which is characterized by rapid increases in population, it is necessary to understand the history of population trends．Rapid growth is a comparatively recent phenomenon．Looking back at the 8,000 years of demographic history, we find that populations have been virtually stable or growing very slightly for most of human history．For most of our ancestors, life was hard, often nasty, and very short．There was high fertility in most places, but this was usually balanced by high mortality．For most of human history, it was seldom the case that one in ten persons would live past forty, while infancy and childhood were especially risky periods．Often, societies were in clear danger of extinction because death rates could exceed their birthrates．Thus, the population problem throughout most of history was how to prevent extinction of the human race.This pattern is important to notice．Not only does it put the current problems of demographic growth into a historical perspective, but itsuggests that the cause of rapid increase in population in recent years is not a sudden enthusiasm for more children, but an improvement in the conditions that traditionally have caused high mortality.Demographic history can be divided into two major periods: a time of long, slow growth which extended from about 8,000 BC.till approximately AD．1650．In the first period of some 9600 years, the population increased from some 8 million to 500 million in 1650．Between 1650 and the present, the population has increased from 500 million to more than 4 billion．And it is estimated that by the year there will be 6.2 billion people throughout the world．One way to appreciate this dramatic difference in such abstract numbers is to reduce the time frame to something that is more manageable．Between 8000BC and 1650, an average of only 50,000 persons was being added annually to the world’s population each year．At present, this number is added every six hours．The increase is about 80,000,000 persons annually.21.Which of the following demographic growth pattern is most suitable for the long thin powder fuse analogy?A．A virtually stable or slightly decreasing period and then a sudden explosion of population.B．A slow growth for a long time and then a period of rapid, dramatic increase.C．Too many people on earth and a few rapid increase in the number added each year.D．A long period when death rates exceeds birthrates and then a short period with higher fertility and lower mortality.答案：A22.During the first period of demographic history, societies were often in danger of extinction because___.A．only one in ten persons could live past 40.B．there was higher mortality than fertility in most places.C．it was too dangerous to have babies due to the poor conditions.D．our ancestors had little enthusiasm for more children.答案：B23．Which statement is true about population increase?A．There might be an increase of 2.2 billion persons from now to the year .B．About 50,000 babies are born every six hours at present.C．Between 8000 BC and the present, the population increase is about 80,000,000 persons each year.D．The population increased faster between 8000BC and 1650 than between 1650 and the present.答案：A24．The author of the passage intends to___.A．warn people against the population explosionin the near future.B．compare the demographic growth pattern in the past with that after 1650.C．find out the cause for rapid increase in population in recent years.D．present us a clear and complete picture of the demographic growth.答案：D25．The word “demographic” in the first paragraph means___.A．statistics of human. B．surroundings study. C．accumulation of human. D．development of human. 答案：A。
中国银行集团银行招聘笔试试题及答案
中国银行集团银行招聘笔试试题及答案试题一：财务管理
1. 请简要说明资产负债表的作用和主要内容。
资产负债表（Balance Sheet）反映了一个企业在某一特定日期上的资产、负债和所有者权益的状况。
它用以体现企业的负债结构和资产配置情况，为分析企业的财务状况和经营能力提供依据。
主要内容包括：
- 资产类别：固定资产、流动资产等。
- 负债类别：长期负债、流动负债等。
- 所有者权益：股东权益、资本等。
2. 请解释利润表的定义和用途。
- 衡量企业的盈利水平和经营能力。
- 为内外部利益相关者提供信息依据，如股东、投资者、债权人等。
试题二：经济学基础
1. 请简述供给和需求的关系。
供给和需求是经济学中最基本的概念，它们相互作用决定了商品和服务的市场价格和数量。
供给表示生产者愿意提供的一种商品或服务的数量，而需求表示消费者愿意购买的数量。
供给和需求之间的关系通过市场作用机制得以体现，当供给大于需求时，价格往往下降；相反，当需求大于供给时，价格往往上升。
2. 请说明市场的四种类型。
一般情况下，市场可以分为以下四种类型：
- 完全竞争市场：存在许多卖方和买方，产品具有同质性，市场参与者无法通过价格操纵市场。
- 垄断市场：市场中只有一个卖方，它可以通过控制产品的价格和供应量来影响市场。
- 寡头垄断市场：市场中存在少数几个卖方，他们控制着大部分市场份额。
- 寡占市场：市场中存在多个卖方，但其中某些卖方控制着较大的市场份额。
以上为中国银行集团银行招聘笔试试题及答案的部分内容，希望对您有所帮助。
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中国银行校园招聘考试笔试复习资料真题中国银行校园招聘录取考试笔试题型：第一部分是英语1个小时100道题，全部是单选大部分是语法题，基本感觉还算轻松，阅读很多并且是越来越难但是基本上都能在原文中找到答案，都是一些酒店的广告或者邮件的，个人感觉比6级简单，也或许是我远离6级很多年了。
貌似周围有好几个提前做完的，顺便还小去了WC。
第二部分是行测出了好多最不喜欢的数学题，逻辑运算还有找规律的，虽然做过国考题但是数字完全就是本人的软肋，基本上一看题3找不出规律的直接就放弃了。
图形题有大概4个吧还算是简单。
还有一些言语理解和考定义的，貌似在历年的国考题中有原题，具体是哪个记不清了。
再就是资料分析，比国考题简单，基本上是最基本的类型，从图表或者文字中能找到答案很少有需要计算的。
看来放弃计算选择后面的题是很明智的。
第三部分就是综合有大概5个左右的中行题，都是2012年的，得过什么荣誉，在哪里又开分行了。
时政题具体记不清了，出了两个关于三沙市，西沙群岛的，还有青岛的那个考察船应该是科学号吧，平时不喜欢看新闻，偶尔看一下逮住一个是一个。
专业知识就更多了，本人金融专业，会计很多年前学过早就忘得一干二净了，不过还好出的不多，勉勉强强了。
至于市场营销和管理的，完全是一窍不通只能看题上的字面意思来选择了。
然后计算机的题貌似一个也没有哇，法律的也很少。
然后最最坑爹的是有多选题，一看到那么多答案就懵了，不知道大家做完是什么感受的。
最后一部分就是性格测试了，没啥好说的，照着自己的想法选就是了总结：笔试从未公布过考试大纲，也不指定参考书及培训机构，考到的内容又很复杂，知识面很广，因此对大家来说，全靠自我备考是件很痛苦且低效的事情，大家最好早做准备，考试复习资料可以到上了解一下，里面资料还是非常不错的一、银行校园招聘流程：1.网申报名：官网发布公告，在线填写简历并上传照片。
提交时间一般在一个月左右。
需要耐心等待。
2.统一笔试：一般在网申截止后1-2周内开始发布笔试资格通知，1周后左右可以打印准考证，然后就是机考。
一般来说拿到确定的笔试资格到笔试之间的间隔非常短，需要提前复习。
3.面试测评：笔试结束后一般1周左右，各分支机构或分行开始独立运作，发布面试通知。
面试一般为1-2轮，主要是无领导小组面试和半结构化面试。
4.体检、背景核查：面试后需要等待2-3周开始发体检通知，不少银行会要求考生提前垫付体检费用。
5.签约：通过体验的同学会收到通知，在比较短的考虑时间内就要决定是否签约。
二、银行校园招聘笔试范围和题型银行校园招聘笔试从未公布过考试大纲，也不指定参考书及培训机构，因此对广大同学来说，全靠自我备考是件很痛苦且低效的事情。
其实银行的笔试考试范围非常广泛，主要分为四大类型行测、综合、英语和适职能力测试。
三、银行校园招聘笔试复习计划第一步了解银行校园招聘笔试的形式和考试范围，阅读【《银行校园招聘考试范围总概述》】第二步建议大家再看看学长总结的【前辈历年笔试经验分享精华版】，这些都是从网络上收集挑选的精品，可以让大家从感性角度深入了解下银行笔试的难度和方法第三步行测题型复习，如果之前没有接触过行测，可以阅读行测的【《行政能力测试专项做题技巧突破指导》】，等到对行测的做题技巧基本掌握后，可以做国考真题模拟题，保存每天抽出1-2个小时，直到行测得心应手，一般来说，银行笔试的成败关键在行测得分。
第四步开始【《金融经济知识复习学习资料与真题】的复习，大家可以根据自己的专业知识背景和时间来选择阅读自己有可能提高的考点部分。
非经济金融相关专业的同学如果想搞高又苦于时间来不及，优先看考点1货币与金融，其次是考点2西方经济学。
攻克了关键考点后，可以练习下【1：1还原真题模拟试卷】第五步能拿到笔试通知的英语基础都不会特别差，建议考前一段时间做2-3套英语练习题。
第六步考试前3天再突击【时事政治+银行动态+常识】，这块的分丢了很可惜。
历年考试真题精选：1．实际利率是由名义利率扣除（）后的利率。
A．利息所得税率B．生产变动率C．物价变动率D．平均利润率2．票据交易价格主要取决于（）。
A．市场利率B．票面利率C．票面价值D．到期价格3．信托是随着商品经济的发展而出现的一种财产管理制度，其本质是（）。
A．吸收存款，融通资金B．受人之托，代人理财C．项目融资D．规避风险，发放贷款4．根据《中国人民银行法》的规定，中国人民银行可以（）。
A．经营国家黄金储备B．确定市场利率C．代理工商信贷业务D．代理政策性银行业务5．在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融工具销售给投资者的金融机构属于（）。
A．直接金融机构B．金融服务机构C．创造货币机构D．间接金融机构6．通过向投资者发行股份或受益凭证募集资金，再对各类金融产品进行组合投资的金融机构是（）。
A．商业银行B．投资银行C．保险公司D．投资基金7．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8．我国目前已形成了（）的金融体制。
A．混业经营、分业监管B．人民银行统一监管C．分业经营、分业监管D．混业经营、交叉监管9．目前国家开发银行的贷款主要是（）。
A．硬贷款B．软贷款C．信用贷款D．抵押贷款10．在特定时期，我国政府为解决银行业不良资产，由政府出资专门收购和集中处置银行业不良资产的机构是（）。
A．中国银监会B．金融资产管理公司C．中国保监会D．金融租赁公司11．商业银行的贷款，按照贷款保全方式可分为（）。
A．长期贷款和短期贷款B．信用贷款和担保贷款C．企业贷款和个人贷款D．正常贷款和关注贷款12．商业银行新的业务运营模式的核心是（）。
A．督导责任制B．设综合窗口C．前后台分离D．全方位立体化13．（）的指标越高，则流动性越差。
A．资产流动性比例B．备付金比例C．中长期贷款比例D．国债占总资产比例14．商业银行资本净额与风险加权资产总额的比例不得低于（）。
A．4％B．10％C．8％D．12％15．最广义的投资银行定义是指（）。
A．任何经营华尔街金融业务的银行B．指经营一部分或者全部资本市场业务的金融机构C．投资银行是指经营资本市场某些业务的金融机构D．在一级市场上承销证券筹集资本和在二级市场上交易证券的金融机构16．从（）起北美自由贸易区开始运转。
A．1998年5月1日B．1989年1月1日C．1992年12月7日D．1994年1月1日17．如果收入分配不均等，洛伦茨曲线会（）。
A．越直B．越弯曲C．越小D．越长18．当经济出现通货膨胀但不十分严重的时候，可以（）。
A．采用扩张性财政政策和紧缩性货币政策组合B．采用扩张性货币政策和紧缩性财政政策组合C．采用紧缩性货币政策和紧张性财政政策组合D．只采用紧缩性货币政策19．以下哪一组织形式不属于国际经济一体化组织？（）A．自由贸易区B．关税同盟C．共同市场D．北约20．（）将引起美元对日元贬值。
A．美国的货币供给增加B．美国的利率上升C．日本的利率下降D．日本从美国的进口增加答案及解析：1．C【解析】实际利率是指在通货膨胀条件下，名义利率扣除物价变动率后的利率。
它是在没有通货膨胀风险前提下，物价不变、货币购买力相对稳定时的利率。
2．A【解析】票据作为金融工具的一种，一般均标明面值，没有票面利率。
票据的交易价格是指面值扣除利息后的金额，主要取决于市场利率。
3．B【解析】信托是指在信任的基础上，委托人将其财产权委托给受托人，受托人按委托人的意愿，以自己的名义，为受益人的利益或者特定目的，对信托财产进行管理或者处分的行为。
信托是随着商品经济的发展而出现的一种财产管理制度，其本质是“受人之托，代人理财”。
4．A【解析】根据《中国人民银行法》和2008年7月国务院关于中国人民银行的“三定”规定，中国人民银行的主要职责之一是：负责制定和实施人民币汇率政策，不断完善汇率形成机制，维护国际收支平衡，实施外汇管理，负责对国际金融市场的跟踪监测和风险预警，监测和管理跨境资本流动，持有、管理和经营国家外汇储备和黄金储备。
5．A【解析】直接金融机构和间接金融机构最明显的区别是，前者在中介融资中一般不发行以自己为债务人的融资工具，只是协助将筹资者发行的金融工具销售给投资者；而后者则发行自己为债务人的融资工具来筹集资金，然后又以各种资产业务分配运用这些资金。
6．D【解析】投资基金是指通过向投资者发行股份或受益凭证募集资金，再以适度分散的组合方式投资于各类金融产品，为投资者以分红的方式分配收益，并从中牟取自身利润的金融组织机构。
7．B【解析】连锁银行制度又称为联合银行制度，指两家或更多的银行由某一个人或某一集团通过购买多数股票的形式，形成联合经营的组织制度。
这些被控制的银行在法律上仍然保持其独立性，但其经营政策与业务要受到控股方的控制。
8．C【解析】分业经营体制是指商业银行业务与证券、保险等业务相分离，商业银行只能从事存贷款及结算等银行业务。
分业监管体制主要是在银行、证券和保险等不同金融领域分别设立专职的监管机构，负责对各行业进行审慎监管。
我国目前实行的即是分业经营、分业监管的金融体制。
9．A【解析】国家开发银行的贷款分为两部分：软贷款和硬贷款，目前国家开发银行的贷款主要是硬贷款，即国家开发银行借入资金的运用。
10．B【解析】金融资产管理公司是在特定时期，政府为解决银行业不良资产，由政府出资专门收购和集中处置银行业不良资产的机构。
11．B【解析】商业银行的贷款可根据不同的标准划分，按照贷款保全方式，可划分为信用贷款和担保贷款。
A项是按贷款的期限进行的分类；C项是按贷款的对象进行的分类；D项是按贷款风险发生的可能性进行的分类。
12．C【解析】商业银行新型的业务运营模式是在信息技术有效支持下，实现营业网点业务操作规范化、工序化，后台交易处理集中化、专业化，以达到提高服务质量和业务运行的整体效率、强化风险控制的目的，其核心是前后台分离。
13．C【解析】中长期贷款比例=余额一年期以上(不含一年期)的中长期贷款／余额一年期以上存款，该指标越高，表明流动性越差。
14．C【解析】按目前规定，商业银行资本充足率，即资本净额与风险加权资产总额之比不得低于8％。
15．A【解析】任何经营华尔街金融业务的银行都被称为投资银行。
这是投资银行最广义的定义，它既包括从事证券业务的金融机构，也包括保险公司和不动产经营公司，从事与华尔街金融活动有关的所有内容，如国际银团承销、企业证券发行和房地产及保险等。
16．D【解析】记识题，选D。
17．B【解析】如果收入分配不均等，洛伦茨曲线会越弯曲。
18．B【解析】一般通货膨胀下，用紧缩性财政政策压缩总需求，又用扩张性货币政策降低利率，防止财政过度紧缩引发衰退。