浦发银行笔试英语阅读及答案
银行考试英语试题及答案
银行考试英语试题及答案一、选择题（每题2分，共20分）1. The term "NPL" stands for ________.A. Non-Performing LoanB. New Product LaunchC. National Payment LawD. None of the above2. Which of the following is NOT a function of a central bank?A. Issuing currencyB. Regulating monetary policyC. Providing commercial banking servicesD. Supervising financial institutions3. The abbreviation "SWIFT" is commonly used in the banking industry and stands for ________.A. Society for Worldwide Interbank Financial TelecommunicationB. Secure Web Information Financial TechnologyC. Specialized World International Financial TransactionsD. Standardized World Investment Financial Transfers4. In the context of banking, "LIBOR" refers to ________.A. London International Banking OrganizationB. London Interbank Offered RateC. London International Business ReportD. London International Banking Regulation5. The process of converting a currency from one form to another is known as ________.A. Currency exchangeB. Currency conversionC. Currency tradingD. Currency valuation6. Which of the following is a type of loan that is secured by collateral?A. Unsecured loanB. Secured loanC. Personal loanD. Commercial loan7. The term "forex" is short for ________.A. Foreign exchangeB. Foreign exportC. Financial expertD. Forthcoming exchange8. Which of the following is a common method of credit scoring?A. Credit history analysisB. Physical appearance assessmentC. Social media monitoringD. Personal interview9. The "BIS" in banking terms usually refers to ________.A. Bank for International SettlementsB. Business Information SystemC. Banking Industry StandardsD. Basic Investment Services10. A "call option" in finance gives the holder the right, but not the obligation, to ________.A. Sell a certain assetB. Buy a certain assetC. Hold a certain assetD. Trade a certain asset二、填空题（每题1分，共10分）11. The ________ is the process of determining the creditworthiness of a customer.（评估信用）12. The ________ is the interest rate that banks charge to their most creditworthy customers.（最优惠利率）13. A ________ is a financial institution that accepts deposits, provides payment services, and makes loans.（银行）14. The ________ is a type of investment that represents ownership in a company.（股票）15. The ________ is a document that outlines the terms of a loan, including the interest rate and repayment schedule.（贷款协议）16. A ________ is a financial product that allows investorsto earn interest or share in profits.（投资）17. The ________ is the risk of a borrower defaulting on a loan.（信用风险）18. A ________ is a financial instrument used to transfer funds between banks.（支票）19. The ________ is the process of evaluating the potential risks and returns of an investment.（投资评估）20. The ________ is the process of buying and selling currencies in the foreign exchange market.（外汇交易）三、简答题（每题5分，共20分）21. What is the role of a bank in the economy?（银行在经济中的作用是什么？）22. Explain the concept of "leverage" in finance.（解释金融中的“杠杆”概念）23. What are the main differences between a "fixed deposit" and a "current account"?（定期存款和活期账户的主要区别是什么？）24. Describe the process of "credit card issuance" from theperspective of a bank.（从银行的角度描述信用卡发行的过程）四、论述题（每题15分，共30分）25. Discuss the importance of risk management in banking and how banks implement it.（讨论风险管理在银行业务中的重要性以及银行如何实施风险管理）26. Analyze the impact of inflation on the banking sector and the strategies banks use to mitigate it.（分析通货膨胀对银行业的影响以及银行采取的缓解策略）答案：一、1-5: A C A B B6-10: B A A B B二、11: Credit assessment12: Prime rate13: Bank14: Stock15: Loan agreement16: Investment17: Credit risk18: Check19: Investment evaluation20: Foreign。
浦发银行笔试英语专项
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 salinityD. V ariations of salinity in different parts of the ocean2. According to the author, the oceanic salinity is usually lower in _____.A. tropical regionsB. coastal regionsC. places in which warm currents and cold currents meetD. the Antarctica3. All of the following are processes that decrease ocean salinity except _____.A. precipitationB. runoffC. meltingD. evaporation4. What does the word “subtraction" in the fourth line of the first paragraph mean?A. reductionB. influxC. transformationD. freezing5. Which of the following is NOT a result of the formation of ice in oceans?A. The surrounding water sinks.B. The water becomes denser.C. Water salinity decreases.D. The surrounding water becomes colder.参考答案Part I Reading Comprehension1. D。
浦发银行招聘笔试真题及答案整理
浦发银行招聘笔试真题及答案整理浦发银行招聘笔试真题及答案整理多选题1.可以支取现金的支票有（）A.现金支票B.转账支票C.普通支票D.划线支票2.在银行财务报表中，“现金”不属于（）A.资产B.所有者权益C.负债D.费用3.会计的基本职能是（）A.会计核算职能B.会计监督职能C.法律咨询职能D.营销职能4.外来原始凭证是指（）。
A.从企业外部取得的B.会计人员填制C.一次凭证D.加盖填制单位公章5.下列属于记账凭证的有（）。
A.科目汇总表B.通用记账凭证C.领料单D.发出材料汇总表6.下列会计科目中，贷记‘银行存款’，同时借记的科目有可能是（）A.应缴税费B.管理费用C.原材料D.固定资产7．下列各项中，属于会计基本假设的包括（）。
A．会计主体B．持续经营C．会计分期D．货币计量8.汇总凭证会计处理程序下，（）是登记总账的依据。
A．原始凭证B．原始凭证汇总表C．收、付、转记账凭证 D．汇总收、付、转凭证 E．记账凭证汇总表9．在记账凭证会计处理程序下，（）不能作为登记总账直接依据。
A．原始凭证B．汇总原始凭证C．汇总记账凭证 D．科目汇总表E．记账凭证10. 下列项目中，属于费用要素特点的有（）。
A．企业在日常活动中发生的经济利益的总流入B．会导致所有者权益减少C．与向所有者分配利润无关 D．会导致所有者权益增加11.下列属于固定资产的是（）A.现金B.股票C.产房D.车辆12．下列（）属于反映营业利润的账户。
A.主营业务收入B.其他业务成本C.营业外支出D.营业税金及附加13.在借贷记账法下，账户的贷方应登记（）。
A.负债、收入的增加数B.负债、收入的减少数C.资产、成本的减少数D.资产、成本的增加数14.下列会计科目中属于资产类科目的是（）A 现金 B.银行存款C.固定资产D.应交税费15.下列会计科目中属于资产类科目的是（）A.现金B.银行存款C.固定资产D.应缴税费16.登记会计账簿时，应该做到（）。
银行系统招聘考试(英语)历年真题试卷汇编12(题后含答案及解析)
银行系统招聘考试（英语）历年真题试卷汇编12(题后含答案及解析)全部题型 3. 阅读理解6. 选词填空阅读理解We all have first impression of someone we just met．But why? Why do we form an opinion about someone without really knowing anything about him or her—aside perhaps from a few remarks or readily observable traits? The answer is related to how your brain allows you to be aware of the world．Your brain is so sensitive in picking up facial traits．Even very minor difference in how a person’s eyes，ears，nose，or mouth are placed in relation to each other makes you see him or her as different．In fact，your brain continuously processes incoming sensory information —the sights and sounds of your world．These incoming signals are compared against a host of“memories”stored in the brain areas called the cortex(皮质)system to determine what these new signals“mean”．If you see someone you know and like at school，your brain says“familiar and safe”．If you see someone new，it says，“new and potentially threatening”．Then your brain starts to match features of this stranger with other“known”memories．The more unfamiliar the characteristics．the more your brain may say，“This is new，I don’t like this person．”or else，“I’m intrigued(好奇的)”．Or your brain may perceive a new face but familiar clothes，ethnicity，gestures—like your other friends：so your brain says：“I like this person”．But these preliminary impressions can be dead wrong．When we stereotype people，we use a less mature form of thinking(not unlike the immature thinking of a very young child)that makes simplistic and categorical impressions of others．Rather than learn about the depth and breadth of people—their history，interest，values，strengths，and true character—we categorize them as jocks(骗子)，peeks(反常的人)，or freaks(怪人)．However，if we resist initial stereotypical impressions，we have a chance to be aware of what a person is truly like．If we spend time with a person，hear about his or her life，hopes，dreams，and become aware of the person’s character，we use a different，more mature style of thinking—and the most complex areas of our cortex，which allow us to be humane．1．【2015交通银行】Our first impression of someone new is influenced by his or her _______．A．past experienceB．characterC．facial feat uresD．hobbies正确答案：C解析：第二段的第二句“Your brain is so sensitive in picking up facial traits．”大脑在接受面部特征时非常敏感。
0-浦发银行(浦东发展银行)2021年招聘考试笔试试卷完整真题及答案解析(1)
第一部分综合能力测试一、言语理解与表达题1．将以下6个句子重新排列组合：①任何心理活动，任何创作，也许都具有“一次性”。
②揣度别人是很困难的。
子非鱼，安知鱼之乐?④甚至揣度自己也未见得容易多少。
⑤人不能把脚两次伸进同一条河里。
⑥比方说这篇小说写过这么久了，尽管我现在能尽力回忆当时写作的心境，但时过境迁，当时的心境是绝对不可能再完整准确地重现了。
排列组合最连贯的是：A．③⑥⑤②④① B．⑤①⑥③②④C．①⑥③⑤②④ D．②④⑥③⑤①2．歌德评价帕格尼尼“在琴弦上展现了火一样的灵魂”。
巴黎人为他的琴声陶醉，忘记了当时正在流行的霍乱。
在维也纳，一个盲人听到他的琴声，以为是一个乐队在演奏，当得知这只一个叫帕格尼尼的意大利人用一把小提琴奏出的声音时，盲人大叫一声：“这是个魔鬼!”这段文字意在强调帕格尼尼：A．火一样的激情 B．魔鬼般的演奏C．超强的模仿力 D．高超的表演力3．费孝通在反思一生学术研究时，提出“文化自觉论”。
他说：“生活在一定文化中的人对其文化有‘自知之明’，明白它的来历、形成的过程、所具有的特色和它发展的趋向，自知之明是为了加强文化转型的自主能力，取得决定适应新环境、新时代文化选择的自主地位。
”根据这段文字，“文化自觉”的主要作用是：A．使文化的发展方向更为可控B．使人们能更加适应不断发展的文化D．使不同文化之间的融合和转变更为容易4．一个年轻人寄了许多份简历到一些广告公司应聘，其中有一家公司写了一封信给他：“虽然你自认为文采很好，但从你的来信中，我们发现了许多语法错误，甚至有一些错别字。
”这个青年想如果这是真的，我应该感谢他们告诉我，然后改正。
于是他给这个公司写了一封感谢信。
几天后，他再次收到这家公司的信函，通知他被录用了。
这段文字主要想告诉我们：A．机会往往在不经意间获得B．公司招聘时更看重求职者的态度C．谦虚能获得更多知识和别人的尊重D．良好的文字功底是成功求职的前提5．气候变暖将会使中纬度地区因蒸发强烈而变得干旱，现在农业发达的地区将退化成草原，高纬度地区则会增加降水，温带作物将可以在此安家。
银行招聘考试英语真题及答案
银行招聘考试英语真题及答案一、Part 1Directions: A word or phrase is missing in each of the sentences below. Four answer choices are given below each sentence. Select the best answer to complete the sentence.1.All who completed the voluntary ______ on Friday will receive a certificate recognizing their participation.A. trainB. trainedC. training √D. trainable【解析】空格为被形容词voluntary 修饰的名词的位置，因此A 和C为正确答案的备选项。
句子要求表示“志愿培训〞句意才自然，因此答案为C。
2.Mr. Arman admitted that he had been ______ surprised by the high volume of sales his company had generated last quarter.A. most thoroughB. thoroughly√C. thoroughnessD. thorough【解析】空格出如今be 动词和过去分词之间时，把副词当做正确答案的首位候补来分析句意。
选项中只有意为“非常地，完全地〞的throughly 为副词，而且将其放在空格处也符合句意。
3.Most of the meeting was spent going over the sales ______ from the previous month.A. shapesB. celebritiesC. figures√D. measures【解析】和空格前的sales 相关的为数字，因此figures 放在空格处最恰当。
银行系统招聘考试(英语)历年真题试卷汇编10(题后含答案及解析)
银行系统招聘考试（英语）历年真题试卷汇编10(题后含答案及解析)全部题型 3. 阅读理解5. 完形填空6. 选词填空阅读理解Internet shopping is a new way of shopping．Nowadays，you can shop for just about anything from your armchair．All you need is a computer which is linked to the Internet．Shopping on the Internet is becoming increasingly popular．In the United States，people spent over $2．5 billion on Internet shopping in 1998．This figure is expected to reach $11 billion by the year 2004．People can shop for a variety of producl s on the Internet．Physical products include items suchas books，CDs，clothes and food．These types of products are the most common purchases through the Internet．You can also buy information products such as on-line news or magazine stories，or you can download computer software through the Internet．Services such as booking airline tickets，reserving hotels or renting cars are also available on the Internet．You can also go shopping on the Internet for entertainment services and take part in on-line games．Internet shopping offers a number of benefits for the shopper．The most important advantage is convenience．You can shop whenever you like as the on-line shops are open 24 hours a day and you don’t have to queue with other shoppers at the check-out counters．Secondly，it is easy to find what you are looking for on the Internet．Even out-of-print books may be ordered on line．Finally，it is often cheaper to buy goods through the Internet，and you can tell the shop exactly what you want．The main disadvantage of Internet shopping is that you cannot actually see the products you are buying or check their quality．Also，many people enjoy shopping in the city and miss the opportunity to talk to friends．Some people are worried about paying for goods using credit cards，so Internet companies are now finding ways to make on-line payment safe．Internet shopping is sure to become more and more popular in the years ahead．It promises to change the way we buy all kinds of things—from tonight’s dinner to a new car．1．【2015工商银行】On-line news and magazine stories are_______．A．the most popular products on the InternetB．not yet available on the InternetC．free to download through the InternetD．information products available on the Internet正确答案：D解析：细节题。
0-浦发银行(浦东发展银行)上海分行2021年招聘考试笔试试卷完整真题及答案解析(1)
第一部分综合能力测试一、言语理解与表达题1.在古典传统里，和谐的反面是千篇一律。
“君子和而不同，小人同而不和”，所以和谐的一个条件是对于多样性的认同。
中国人甚至在孔子之前就有了对于和谐的经典认识与体现。
中国古代的音乐艺术很发达，特别是一些中国乐器，像钟、磬、瑟等各种完全不同的乐器按照一定的韵律奏出动听的音乐，但如果只有一种乐器就会非常单调。
对这段文字概括最准确的是：A．和谐观念源于中国古代音乐 B．差异是和谐的一个必要条件C．中国人很早就产生了和谐观念 D．音乐是对和谐的经典认识与体现2．“黑马”一词其实是从英语舶来的，原指体育界一鸣惊人的后起之秀，后指实力难测的竞争者或在某一领域独树一帜的人，无贬义或政治含义。
首先在英文中使用“黑马”的人，是英国前首相狄斯累利，他在一本小说中这样描写赛马的场面：“两匹公认拔尖的赛马竟然落后了，一匹‘黑马’，以压倒性优势飞奔。
后台上的观众惊呼：‘黑马！黑马！’”从此，“黑马”便成了一个有特殊意义的名词。
这段文字的主要意思是：A．论证“黑马”词义的起源 B．阐释“黑马”一词的内涵C．分析“黑马”的词义演变 D．介绍“黑马”的感情色彩3．中国的沙漠为科学家提供了与火星环境最为相似的实验室。
科学家们已经去过地球上最为寒冷的南极洲，也去过地球上最为干燥的智利阿塔卡马沙漠，但他们真正需要的是将这两者结合起来的极端环境。
科学家们相信，假如生命能够在地球上这些最极端的环境中生存，那么人们也有理由期待在外星球上发现生物。
这段文字意在说明：A．中国沙漠为外星研究提供了理想的场所B．中国沙漠比南极洲更适合进行生物研究C．科学家为何选择中国沙漠作为研究对象D．具有最极端的环境是中国沙漠的主要特点4．中国古人将阴历月的大月定为30天，小月定为29天，一年有12个月，即354天，比阳历年少了11天多。
怎么办呢？在19个阴历年里加7个闰月，就和19个阳历年的长度几乎相等。
这个周期的发明巧妙地解决了阴阳历调和的难题，比希腊人梅冬的发明早了160年。