2023年银行招聘之银行招聘综合知识通关考试题库带答案解析
2022-2023年银行招聘之银行招聘综合知识通关练习试题包含答案
2022-2023年银行招聘之银行招聘综合知识通关练习试题包含答案单选题（共20题）1. And they must be swifter to embrace new technology, from the excitement of the Internet to the _______of the telephone.A.dullnessB.tensionC.pressureD.restrictions【答案】 A2. 资料：In a family where the roles of men and women are not sharply separated and where many household tasks are shared to a greater or lesser extent, notions of male superiority are hard to maintain. The pattern of sharing in tasks and in decisions makes for equality, and this in turn leads to further sharing. In such a home, the growing boy and girl learn to accept that equality more easily than didtheir parents and to prepare more fully for participation in a world characterized by cooperation rather than by the battle of the sexes.A.authoritarianism is importantB.neo-popism is unavoidableC.momism is essentialD.cooperation is necessary【答案】 D3. In her newly-published book Judy indicates that women have been politically dis-empowered （）human history.A.acrossB.throughoutC.overD.within【答案】 B4. 资料：The Oakview CafeA.A newspaper reporterB.A musicianC.A cafe ownerD.A chef【答案】 B5. Computer cannot remember who has used it;it simply does what（）.A.it is toldB.it was toldC.it has toldD.it told【答案】 A6. 资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.A.The innovative potential of clinical operations is yet to be realizedB.Collaborative care should be viewed from a strategic perspectiveC.Clinical operations shouldn’t conform to postmodern societal modelD.None of the above【答案】 B7. He was determined that his children（）to the best school.A.should goB.wentC.ought to goD.would go【答案】 A8. 资料：Happy wood sprites knows the way to Fenghuang city.A.It is creamedB.It is steamedC.It is grilledD.It is roasted【答案】 C9. 下列属于道家思想的是（）。
2023年银行招聘之银行招聘综合知识通关提分题库及完整答案
2023年银行招聘之银行招聘综合知识通关提分题库及完整答案单选题（共40题）1、“Now you（）foolish,lady Anne,”complained Joan in theslightly joking way.A.are beingB.beingC.areD.were being【答案】 A2、收入的确认应当满足的条件不包括( )。
A.与收入相关的经济利益很可能流入企业B.经济利益流入企业的结果会导致企业资产的增加或者负债的减少C.收入是与所有者投入资本无关的经济利益的总流入D.经济利益的流人额能够可靠地计量【答案】 C3、资料：A new Chinese-led international development bank announced its first four loans on Saturday, pledging to lend $509 million for projects to spread electric power in rural Bangladesh, upgrade living conditions in slums in Indonesia, and improve roads in Pakistan and Tajikistan. At the first of the annual general meetings of in institution, the Asian Infrastructure Investment Bank, the bank’s president, Jin Liqun, said the projects were financially sound and environmentally friendly and had been accepted by the people in the project areas.A.be well organizedB.be well fundedC.be less redundantD.be less corrupted【答案】 C4、下列不属于我国《刑法》基本原则的是（）。
2023年度银行招聘考试综合练习(含答案及解析)
2023年度银行招聘考试综合练习（含答案及解析）一、选择题1. 银行的主要职能包括（）a. 存款和贷款b. 发行货币c. 支付结算d. 手机APP开发答案：a、b、c解析：银行的主要职能包括接受储户的存款，向借款人提供贷款，发行货币并进行支付结算。
手机APP开发并不是银行的主要职能。
2. 银行的信用卡是一种（）a. 储蓄卡b. 借记卡c. 准贷记卡d. 信用卡答案：d解析：银行的信用卡是一种借贷工具，持卡人可以在一定的信用额度内使用，最后需要按时还款。
二、简答题1. 请简述银行业务中的资产负债管理和风险管理的关系。
答：资产负债管理和风险管理是银行业务中的两个重要方面。
资产负债管理是指银行通过管理自身的资产和负债来实现风险控制和利润最大化的一种管理方式。
风险管理是指银行对风险进行评估、监控和控制的过程。
资产负债管理和风险管理相互关联，通过合理配置资产和负债，银行能够降低风险，并保持良好的资金流动性和偿还能力。
2. 简述商业银行的托管业务。
答：商业银行的托管业务是指银行代表客户进行托管资产的业务。
托管资产可以包括证券、基金、财富管理产品等。
商业银行在托管过程中负责保管资产，结算交易，并按照客户指令进行资金调度和报表管理等。
托管业务是商业银行的重要业务之一，它能够为客户提供安全、便捷的资产管理服务。
三、计算题1. 某银行的年利率为5%，存款本金为元，存款期限为3年，计算该存款到期时的本息总和。
答案：本息总和 = 存款本金 * (1 + 年利率)^存款期限本息总和 = * (1 + 5%)^3本息总和≈ 元解析：根据复利计算公式，本息总和等于存款本金乘以（1 + 年利率）的存款期限次方。
四、附加题1. 简述虚拟货币的概念及其对银行业务的影响。
答：虚拟货币是一种基于互联网技术的数字化资产，其价值不由中央银行或政府背书，而是通过市场供求决定。
虚拟货币的典型代表是比特币。
虚拟货币对银行业务产生了一定的影响。
首先，虚拟货币的出现促使银行加强对数字技术的应用，推动银行业务向数字化和在线化方向发展。
2023年银行招聘之银行招聘综合知识通关试题库(有答案)
2023年银行招聘之银行招聘综合知识通关试题库(有答案)单选题（共30题）1、资料：Italy's next government, a coalition between thepopulistFive Star Movement and the far-right Northern League, is giving investors plenty to worry about. Leaked plans, hastily abandoned, suggested it might want to leave the euro or ask the European Central Bank to forgive €250bn（$292bn） of Italian debt. But less attention has been paid to what it might mean for Italian banks, and in particular for their biggest burden: non-performing loans（NPLs）. Over €185bn of NPLs were outstanding at the end of 2017, the most for any country in the European Union. （1）A.The increasing use of out-of-court settlement for collateral across the EUB.The GACS which may not be renewed after SeptemberC.The new trading platform for trading NPLsD.The laws that guarantee cross-border operations【答案】 B2、目前，我国中央银行发行的短期债券主要为（）。
2023年银行招聘之银行招聘综合知识通关题库(附带答案)
2023年银行招聘之银行招聘综合知识通关题库(附带答案)单选题（共60题）1、审计技术的最近发展阶段是( )。
A.系统审计B.风险基础审计C.账项基础审计D.详细审计【答案】 B2、The orphanage is just one of her（）causes.A.phoneticB.philanthropicC.prevalentD.lunatic【答案】 B3、Swimming is an all-body workout。
It______small muscle groups that often get ignored in other workouts。
A.helpsB.keepsD.works【答案】 D4、为了回避外汇风险，在筹借和偿还时分别应选择（）。
A.币值趋势上升的硬货币、币值趋势趋跌的软货币B.币值趋跌的软货币、币值趋升的硬货币C.币值趋升的软货币、币值趋跌的硬货币D.币值趋跌的硬货币、币值趋升的软货币【答案】 A5、目前在我国不存在的票据是（）。
A.银行本票B.商业本票C.银行汇票D.商业汇票【答案】 B6、You would imagine that sleeping was a quiet and peaceful experience but in reality，our brains are more active during some stages of sleep than when we are______。
A.wakeC.wakenD.awaken【答案】 B7、关于债券收益率的说法错误的是（）。
A.易被赎回的债券的名义收益率比较高B.享受税收优惠的债券的收益率比较低C.流动性低的债券收益率较高D.违约风险髙的债券收益率比较低【答案】 D8、下列字符中，ASCI1码值最小的是（）。
A.aB.AC.XD.Y【答案】 B9、I（）in the library every night over the last three months.A.worksC.have been workingD.had been working【答案】 C10、某人驱车从甲地前往30公里外的乙地，顺风而行花了3个小时，从乙地沿着原路返回时用了5个小时，假设车速和风速都是匀速状态，则风速是（）公里/时。
2023年银行招聘之银行招聘综合知识通关题库(附答案)
2023年银行招聘之银行招聘综合知识通关题库(附答案)单选题（共30题）1、某公司招聘甲、乙两种职位的人员共90人，甲、乙两种职位人员每月的工资分别为1500元和2500元，若甲岗位的工资总支出是乙岗位的40%，则乙岗位招聘人数比甲职位多（）人。
A.24B.20C.18D.15【答案】 C2、银行是在经济发展过程中产生的，其发展的根本动力是（）。
A.经济发展中的投融资需求和服务性需求B.经济发展中对货币的需求以及对衍生信用的需求C.社会发展中居民及机构对财富保值增值的需求D.社会生产力发展到一定阶段的必然产物【答案】 A3、下列不属于审计的职能的是（）。
A.经济监督功能B.经济评价功能C.经济鉴证功能D.经济核算功能4、审计人员对有关人员进行书面或口头询问以获取审计证据的方法是( )。
A.函证B.查询C.分析性复核D.检查【答案】 B5、I cannot think of anything ______ happened that day which I would have wished otherwise.A.whatB.whoC.thatD.which【答案】 C6、中国人民银行发布的2019年第三季度中国货币政策执行报告称，当前，中国仍实施常态货币政策。
央行通过创新和完善宏观调控，运用多种货币政策工具，保持流动性合理充裕；加大货币政策逆周期调节力度，通过改善货币政策传导机制，落实金融对实体经济的支持。
A.央行从市场收回流动性的操作B.央行向市场上投放流动性的操作C.发行中央银行票据的操作D.央行现券交易的操作7、We received the ___ indicating the amount of money I had paid.A.quittanceB.refundC.retentionD.progeny【答案】 A8、乘火车从甲城到乙城，原来需要10.14小时，1998年第一次提速30%，1999年第二次提速30%，2000年提速20%，三次提速后，从甲城到乙城需要（）A.4.5B.5C.6D.8.2【答案】 B9、No student（）go out of school for snacks during the break without the teacher’s permission.A.willB.mustC.shallD.may【答案】 C10、认识的本质是主体对（）。
2023年-2024年银行招聘之银行招聘综合知识通关试题库(有答案)
2023年-2024年银行招聘之银行招聘综合知识通关试题库(有答案)单选题（共45题）1、某公司招聘甲、乙两种职位的人员共90人，甲、乙两种职位人员每月的工资分别为1500元和2500元，若甲岗位的工资总支出是乙岗位的40%，则乙岗位招聘人数比甲职位多（）人。
A.24B.20C.18D.15【答案】 C2、CDS由（）于1961年首创。
A.中国人民银行B.日本住友银行C.英格兰银行D.美国花旗银行【答案】 D3、 ( )要求企业对于已经发生的交易或者事项，应当及时进行确认、计量和报告，不得提前或者延后。
A.重要性B.及时性C.可靠性D.谨慎性【答案】 B4、In 1913, the states passed the Sixteenth Amendment ________ the Constitution.A.withB.forC.toD.at【答案】 C5、We should think long term and take____measures.A.primitiveB.productiveC.permissiveD.proactive【答案】 D6、拉动国内生产总值GDP增长的“三驾马车”不包括（）。
A.投资B.消费C.税收D.净出口【答案】 C7、The car industry has expanded at a（）rate over the past ten years.A.rapidnessB.rapidlyC.rapidityD.rapid【答案】 D8、Many states have ______, amended or repealed laws to improve school nutrition.A.institutedanizedC.manufacturedD.enacted【答案】 D9、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 philosophyB.China’s business cultureC.Doing business in ChinaD.Guanxi in China【答案】 B10、资料：The business announced that revenues had grown by 10.2 percent year-on-year to RMB 18.264 billion （$2.748billion）. However, profit fell to RMB 2.866 billion （$431.3 billion）, a 17.4 percent decrease from the same period in 2015.A.Modify its business strategyunch more marketing campaignsC.Expand its business to other areasD.Continue developing its mobile business【答案】 D11、Uranus, ________ is much more massive than the Earth, seems to have been tipped over so that it lies on its side.A.whatB.whoC.thatD.winch【答案】 D12、资料：Everyone knows airline pricing is based on supply and demand. Fares are more expensive during peak travel seasons like summer and to prime destinations like European capitals. So if a flight to Rome costs more than a flight to Milan, you'd think that demand for Rome must be higher or supply lower.A.$752 for a one-way, economy ticketB.$1,655 for a round-trip, economy ticketC.$827 for a one-way, economy ticketD.$903 for a round-trip, economy ticket【答案】 D13、船只利用声纳侦测鱼的踪迹，主要是利用声波的（）。
2023年银行招聘之银行招聘综合知识通关题库(附答案)
2023年银行招聘之银行招聘综合知识通关题库(附答案)单选题（共30题）1、在表示存储器的容量时,1MB的准确含义是（）。
A.1024GB.1024KC.1024字节D.1024【答案】 B2、以下选项是金融的特征的是( )。
A.金融是非信用交易B.金融只能发生在本机构之间C.金融必须以资本为对象D.金融原则上必须以货币为对象【答案】 D3、法人的有限责任是指（）。
A.法人只承担一定范围内的责任B.法人只承担一定数额上的责任C.法人只以其所有的财产独立承担责任D.法人只以其一定的财产承担责任【答案】 C4、资料：Google and Uber have grabbed most of the attention regarding the advent of self-driving cars, but on Sunday, Lyft threw down the ultimate challenge: A majority of autonomous vehicles for Lyft within a mere five years.A.At almost unprecedented moment in history, we should reach our potential to decide whether to take the right pathB.At almost unprecedented moment in history we should reach our potential to decide whether to take decisive actionC.At almost unprecedented moment history,we should reach ourpotential to choose the right answers to all the problems encountered by usD.At almost unprecedented moment in history we should our potential to realize the advent of the era of self-driving cars【答案】 D5、对于2018年中国房地产市场出现的房价下跌，楼市寒冬问题，从经济学角度来讲，属于（）事件。
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2023年银行招聘之银行招聘综合知识通关考试题库带答案解析单选题（共30题）1、假设系统的当前日期为2011年4月11日，当前的时间为上午9点10分，在工作表的某活动单元格中输入一NOW（），在未对该单元格日期和时间格式进行特殊设置的情况下，回车后该单元格的显示结果为（）。
A.只有系统的当前日期B.只有系统的当前时间C.既有系统的当前日期，又有系统的当前时间D.什么内容也没有【答案】 C2、在确定的借贷周期内，按复利的（）越多，其收入比值越高。
A.本金B.计息次数C.利率D.本息和【答案】 B3、Italy calls an emergency meeting to save the ancient city of Pompeii（）falling down.A.onB.offC.fromD.against4、下列各项中不会引起其他货币资金发生变动的是（）。
A.企业销售商品收到商业汇票B.企业用银行本票购买办公用品C.企业将款项汇往外地开立采购专业账户D.企业为购买基金将资金存入在证券公司指定银行开立账户【答案】 A5、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.A modern farm and a factory are similar in some aspectsB.Farm machines are expensiveC.Farmers are unwilling to replace their worn-out machineryD.Farmers have to borrow a lot of money for the equipment they need【答案】 C6、Science and spirit seemed so incongruent, and yet they both appeared to be two windows （） into the same house.A.lookedB.looksC.lookingD.to look7、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.存款业务B.贴现业务C.贷款业务D.证券业务【答案】 A8、上海证券交易所上市交易的某只股票，2009年末的每股税后利润为0. 2元，市场利率为2.5%。
A.分期付息到期还本债券B.到期一次还本付息债券C.分期还本到期一次付息债券D.分期付息债券【答案】 A9、Passage 1A.It is based on questionable statisticsB.It reflects the economic changesC.It evidences the improved-welfareD.It provides much food for thought10、She and another woman were convicted in 2005 of tax___but were released under an amnesty.A.evasionB.enclosureC.erosionD.exception【答案】 A11、资料：We are pleased to invite you to attend the 14th Canadian Collaborative Mental Health Care Conference（14th CCMHCC） to be held on Thursday，June 27th and Friday，June 28th，2013.Montreal has been selected as the host city. This annual event will take place at the Delta Centre Vile Hotel，a downtown location within easy walking distance of the Old City. You will be charmed by the unique character of the city of Montreal，the metropolis of the province of Quebec. For those of you who wish to extend your stay，you can combine business and pleasure by attending the 34th International Jazz Festival of Montreal that will begin on Friday，June 28th and continue for the next 10 days.A.strengthenB.buildC.connectD.decorate【答案】 A12、CFCs were banned when world leaders signed _____called the Montreal Protocol in 1987.A.a contactB.contactC.agreementD.an agreement【答案】 D13、Fewer than 14000 people perished in US airline accidents between the ___ of public aviation and the yar 2000.A.endB.startC.middleD.terminal【答案】 B14、For customer convenience，the manual is available______both microfilm and book forms.A.onB.toC.inD.for【答案】 B15、唐玄宗在位期间，出现了繁荣景象，这是我国古代史的哪次盛世？（)A.文景盛世B.永宣盛世C.开元盛世D.康乾盛世【答案】 C16、在商业银行经营管理原则中，流动性、安全性与盈利性成（）关系。
A.反比B.正比C.对比D.—致【答案】 A17、Last month, the unemployment rate increased by ________ of a percent to nine point seven percent.A.twos-tenthsB.two-tenC.two-tenthsD.one-tenths【答案】 C18、_____often occurs because we lack self confidence and doubt our abilities .A.IndecisivenessB.InterferenceC.ProcrastinationD.Carelessness【答案】 A19、The orphanage is just one of her ___ causes.A.phoneticB.philanthropicC.prevalentD.lunatic【答案】 B20、In low and middle income countries, heart disease and cancer get much of the attention given to______diseases.A.contagiousB.transparentC.chronicD.immune【答案】 C21、截至2011年末，我国境内股市已经成为全球第（）大市场。
A.二B.三C.四D.五【答案】 B22、资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.A.Third parties will have to buy fraud insuranceB.Regulators have come up with promising solutionsC.Banks' defense against cyber attacks is strongD.Third parties will check clients' data monthly【答案】 B23、资料：Elizabeth Blackwell was born in England in 1821, and moved to New York City when she was ten years old. One day she decided that she wanted to become a doctor. That was nearly impossible for a woman in the middle of the nineteenth century.After writing many letters asking for admission （录取） to medical schools, she was finally accepted by a doctor in Philadelphia. She was so determined that she taught school and gave music lessons to get money for the cost of schooling.A.She wrote too many lettersB.She couldn’t graduate from medical schoolC.She was a womanD.She couldn’t set up her hospital【答案】 C24、Consequently，a sustainable business model can______companies to better adapt to complex environments and achieve sustainable competitive advantages。