中国银行笔试题目文档
中国银行招聘笔试试题及参考答案
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、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7、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,DB、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()。
A、利率和汇率B、抵押和限制条款C、合同和信用证D、交易商制度和规模经济标准答案：B13、菲利普斯曲线所反映的物价水平与就业的矛盾关系是()。
C、欧元市场D、境外货币市场标准答案：D15、卖方信贷的直接结果是()。
A、卖方能高价出售商品B、买方能低价买进商品C、卖方能以延期付款方式售出设备17、布雷顿森林体系瓦解后，主要资本主义国家普遍实行()A、固定汇率制B、浮动汇率制C、钉住汇率制D、联合浮动标准答案：B18、如果一国货币贬值，则会引起()C、出口增加，进口增加D、出口减少，进口减少标准答案：B20、SDR2是()A、欧洲经济货币联盟创设的货币B、欧洲货币体系的中心货币C、IMF创设的储备资产和记帐单位22、收购国外企业的股权达到10%以上，一般认为属于()A、股票投资B、证券投资C、直接投资D、间接投资标准答案：C23、汇率不稳有下浮趋势且在外汇市场上被人们抛售的货币是()A、非自由兑换货币B、硬货币C、软货币D、自由外汇标准答案：C24、从长期讲，影响一国货币币值的因素是()标准答案：B、C26、一项国际租赁交易必须涉及到()。
中国银行考试试题题库
中国银行考试试题题库中国银行考试试题题库是为准备参加中国银行招聘考试的考生们准备的，涵盖了金融、经济、法律、英语等多方面的知识点。
以下是一些模拟试题，以供参考：一、单选题1. 以下哪项不是中国银行的主要业务？A. 存款业务B. 贷款业务C. 保险业务D. 国际结算业务2. 根据《中华人民共和国银行业监督管理法》，银行业金融机构的设立、变更、终止，必须经谁批准？A. 国务院B. 国务院银行业监督管理机构C. 国家发展和改革委员会D. 财政部3. 以下哪项不是银行的资本充足率的计算要素？A. 核心一级资本B. 附属一级资本C. 二级资本D. 存款保险基金4. 外汇交易中，"spot transaction"指的是：A. 远期交易B. 即期交易C. 掉期交易D. 期权交易5. 以下哪个不是国际货币基金组织(IMF)的职能？A. 提供短期资金援助B. 监督成员国的经济政策C. 制定国际货币标准D. 促进国际贸易的平衡发展二、多选题6. 银行在进行信贷业务时，需要考虑以下哪些因素？A. 借款人的信用记录B. 贷款的用途C. 贷款的期限D. 贷款的利率7. 以下哪些属于银行的表外业务？A. 信用证B. 承兑汇票C. 贷款承诺D. 存款证明8. 银行风险管理包括哪些类型的风险？A. 信用风险B. 市场风险C. 操作风险D. 法律风险三、判断题9. 商业银行的存款准备金率是由商业银行自行决定的。
（错误）10. 银行的不良贷款率是衡量银行资产质量的重要指标之一。
（正确）四、简答题11. 简述中国银行在国际贸易中的作用。
五、案例分析题12. 假设你是中国银行的一名信贷经理，客户A公司向你申请一笔金额为5000万元的贷款，用于扩大生产规模。
请根据以下信息评估这笔贷款的风险，并给出你的建议：- A公司的信用记录良好，过去三年的财务报表显示稳定的盈利能力。
- A公司的资产负债率较高，达到了70%。
- A公司所在的行业目前竞争激烈，市场需求波动较大。
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。
中国银行笔试题目
中国银行笔试题目
各位应聘者：
欢迎参加中国银行的笔试。
本次笔试题目分为两个部分，第一部分为选择题，共50道题目；第二部分为简答题，共5道题目。
请按照以下要求完成本次笔试。
第一部分：选择题
请在每道选择题的括号内写下你认为正确的答案。
1. 中国银行成立于（）年。
A. 1950
B. 1955
C. 1949
D. 1960
2. 以下哪项不是中国银行的主要业务领域？
A. 零售银行业务
B. 投资银行业务
C. 企业金融业务
D. 农村信用合作社业务
3. 中国银行的总部位于（）。
A. 北京
B. 上海
C. 广州
D. 成都
......（依次类推，请按照问卷上的选择题目数依次编写）
第二部分：简答题
请将下列题目后的空格填写完整。
1. 中国银行的使命是（）。
答：
2. 中国银行的愿景是（）。
答：
3. 请简要说明中国银行的企业文化。
答：
4. 请列举中国银行的创新产品或服务，并简要说明其特点。
答：
5. 你认为作为一名银行员工，你应该具备的核心素质是什么？答：
请将你的答案写在答题卡上，并在规定的时间内完成。
祝你好运！中国银行。
中国银行校招笔试题
中国银行校招笔试题中国银行招聘笔试题中国银行招聘笔试题一、单向选择题（共60题）1、我国人民币的主币是：A 元 B 角 C 分 D 厘(答案：A )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(答案：C )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(答案：D )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(答案：C )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(答案：B )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(答案：D )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(答案：A )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(答案：D )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(答案：B )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% (答案：C )11、目前世界上最大的证券交易所是：A 纽约股票交易所B 伦敦股票交易所C 东京股票交易所D香港股票交易所(答案：A )12、股票市场上常常会被提到的IPO的意思是： A 首次公开发行，即公司第一次公募股票 B 公司第一次私募股票 C 已有股票的公司再次公募股票 D 已有股票的公司再次私募股票(答案：A ) 13、H股是指：A 在我国国内发行、供国内投资者用人民币购买的普通股票 B 在我国国内发行、以外币买卖的特种普通股票C 我国境内注册的公司在香港发行并在香港联合交易所上市的普通股票D 我国境内注册的公司在新加坡发行并在新加坡股票交易所上市的普通股票(答案：C )14、下列属于香港股票市场价格指数的是：A 道琼斯工业指数B 标准普尔股价指数C 日经指数D 恒生指数(答案：D )15、下列哪一项不属于债券的基本特点？A 偿还性 B 风险性 C 收益性 D 流动性(答案：B )16、下列关于债券的说法中错误的是：A 债券代表所有权关系 B 债券代表债权债务关系 C 债券持有者是债权人 D 债券发行人到期须偿还本金和利息(答案：A )17、按照发行人不同，债券可分为： A 政府债券、金融债券B 政府债券、公司债券C 金融债券、公司债券D 政府债券、金融债券、公司债券(答案：D )18、下列哪种债券利率一般会成为整个金融市场利率体系的基准利率？A 企业债券 B 公司债券 C 金融债券D国债(答案：D )19、下列关于国债的说法中错误的是： A 国债是中央政府发行的债券 B 国债是风险最低的债券 C 国债利率一般高于相同期限的其他债券 D 国债可以作为中央银行公开市场操作工具(答案：C )20、以标准普尔公司的债券信用评级为例，下列哪个评级的信用等级最高？A：A B：AA C：BBD：CC (答案：B )21、下列关于封闭式基金的说法中错误的是： A 封闭式基金的规模和存续期是既定的B 投资者在基金存续期内不能向基金公司赎回资金 C 投资者可以在二级市场上转让基金单位D 基金转让价格一定等于基金单位净值(答案：D ) 22、下列哪一项不属于开放式基金的特点？ A 没有固定规模 B 无固定存续期限 C 投资者可随时赎回D 全部资金用于长期投资(答案：D )23、以下列哪一项为标的物的期货属于金融期货：A 玉米B 股票 C 铜 D 石油(答案：B )24、我国证券市场的主要监管机构是：A 中国银监会B 中国证监会 C 中国保监会 D 中国财政部(答案：B )25、可以喻为社会经济急救箱，能对整个社会起保障作用的金融体系是：A 银行体系B 证券市场C 保险体系D 金融衍生品市场(答案：C )26、根据保险标的的不同，保险可以划分为： A 财产保险和人身保险 B 原保险和再保险 C 个人保险和团体保险D 自愿保险和强制保险(答案：A )27、以各种财产物资和有关利益为保险标的的一种保险是：A 商业保险 B 社会保险 C 财产保险 D 人身保险(答案：C )28、下列哪一项不属于财产保险：A 团体火灾保险B 机动车辆保险 C 建筑工程保险 D 健康保险(答案：D )29、以人的寿命和身体为保险标的的一种保险是：A 商业保险 B 社会保险 C 财产保险 D 人身保险(答案：D )30、当劳动者达到国家规定的退休年龄后，为解决他们的基本生活而建立的社会保险制度：A 健康保险 B 人寿保险 C 人身意外伤害保险 D 养老保险(答案：D )31、社会保险不包括下列哪一项：A 养老保险B 失业保险C 医疗保险 D 人寿保险(答案：D )32、保险公司的资金不能投资于：A 银行存款B 买卖政府债券C 投资基金 D 设立证券经营机构(答案：D )33、目前，我国保险行业专门的监管机构是：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(答案：D )34、理财应具备几项基本原则，以下中不正确的是： A 高收益低风险 B 量入为出，量力而行 C 做足功课，不盲目投资D 控制欲望，不可贪婪(答案：A )35、房贷三一定律指的是，每月的房贷金额不超过家庭当月总收入的： A 三倍 B 三分之一 C 一倍 D 二分之一(答案：B )36、在下列人的生命周期中,证券投资应最少的是：A 单身期B 家庭成长期 C 家庭成熟期 D 退休期(答案：D )37、下列投资渠道中，安全性最高的是：A 储蓄存款B 股票投资 C 投资基金 D 期货投资(答案：A )38、在下列投资品种中，风险最高的是：A 国债B 企业债C 股票 D 期货(答案：D )39、下列投资渠道中，流动性最强的是：A 活期储蓄B 证券投资C 集合理财产品 D 不动产投资40、一般而言，蓝筹股是指：A 成交量大、买卖活跃、价格波动幅度较大但一般不会暴涨暴跌的股票B 有长期稳定盈余记录、定期分红派息、信誉良好或者发展潜力巨大、未来成长性好的公司股票 C 价格频繁变动且变动幅度大的股票 D 公司销售额和利润增长迅速，快于整个经济发展速度的股票(答案：B )41、主要投资于短期债券、债券回购和银行同业存款等风险低、收益稳定的短期资金市场的基金是：A 股票基金B 债券基金C 货币市场基金D 混合基金(答案：C )42、下列不属于货币市场基金主要投资领域的是：A 股票 B 短期债券 C 债券回购D 银行同业存款(答案：A )43、利息与活期储蓄相比有一定优越性，但可以随时支取的人民币储蓄存款是：A 定期储蓄 B 定活两便储蓄 C 零存整取储蓄 D 教育储蓄(答案：B )44、目前，可以免征利息税的人民币储蓄存款是：A 定期储蓄 B 定活两便储蓄 C 零存整取储蓄 D 教育储蓄(答案：D )45、对其他利率有决定性的影响，当它发生变动时，其他利率也会跟着变动的利率是：A 活期存款利率 B 定期存款利率 C 基准利率D 名义利率(答案：C )46、目前，金融机构可以灵活设置贷款利率水平，条件是不低于中央银行发布的贷款基准利率的一定幅度，这种利率管理方式称为A 存款利率的上限管理B 存款利率的下限管理 C 贷款利率的上限管理 D 贷款利率的下限管理(答案：D )47、银行执行的存贷款利率即名义利率扣除通货膨胀(涨价)以后算出的利率，叫做：A 活期存款利率 B 定期存款利率 C 基准利率 D 实际利率48、贷款人向借款人发放的用于购买自用住房和城镇居民修建自用住房的贷款是： A 个人住房贷款 B 个人汽车贷款C 个人耐用消费品贷款 D 国家助学贷款(答案：A )49、目前我国个人住房贷款最长期限为：A 10年B 20年C 30年D 40年(答案：C )50、目前我国国家助学贷款的贷款对象是：A 小学生B 初中生C 高中生D 高校经济困难学生(答案：D )51、商业银行最主要的资金来源是（）。
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。
中国银行初试笔试(包含答案)
中国银行初试笔试(包含答案)
一、单选题
1. 以下哪个是中国最大的商业银行?
- A. 中国建设银行
- B. 中国工商银行
- C. 中国银行
- D. 中国农业银行
答案：B
2. 中国银行的前身是什么银行?
- A. 北京银行
- B. 大清银行
- C. 华夏银行
- D. 泰康银行
答案：B
3. 接受大额存单的最低存款金额是多少?
- A. 10万元
- B. 50万元
- C. 100万元
- D. 500万元
答案：C
二、填空题
1. 中国银行的总行位于北京市。
北京市。
2. 中国银行的法定代表人是刘士余。
刘士余。
3. 中国银行的股票代码是。
601988。
三、简答题
1. 请简要介绍中国银行的主要业务范围。
答：中国银行的主要业务范围包括但不限于：公司金融业务、个人金融业务、国际业务、金融市场业务等。
其中，公司金融业务包括对大型企业、央企、国有企业等的综合金融服务；个人金融业
务涵盖个人储蓄、贷款、信用卡等；国际业务主要包括贸易融资、
国际结算、境外投融资等；金融市场业务涉及债券市场、外汇市场、黄金市场等。
四、判断题
1. 中国银行是中国的第一家国有商业银行。
- 正确 / 错误
答案：正确。
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中国银行笔试题目文档
Bank of China written examination question document
中国银行笔试题目文档
前言：个人简历是求职者给招聘单位发的一份简要介绍，包括个人的基本信息、过往实习工作经验以及求职目标对应聘工作的简要理解，在编写简历时，要强调工作目标和重点，语言精简，避免可能会使你被淘汰的不相关信息。
写出一份出色的个人简历不光是对找工作很有用处，更是让陌生人对本人第一步了解和拉进关系的线。
本文档根据个人简历内容要求和特点展开说明，具有实践指导意义，便于学习和使用，本文下载后内容可随意调整修改及打印。
不能转嫁的税的类型
矿石进口需缴税（关税，增值税）
增值税一般纳税人符合的条件
对于纳税人的要求（在中国境内有住所或者无住所而在境内居住满一年的个人）
免征营业税的企业
超额累进税适用于
税收性质取决于（课税对象
法律
股份公司上市的条件
证券法禁止的客户欺诈行为（挪用客户所委托买卖的证
券或者客户账户上的资金）
物权法对于抵押物债权（甲向乙销售了500万货款，乙
以450万作抵押，后乙破产，甲享有的表决权是（50万））破产清偿程序（1支付破产费用2企业所欠职工工资和劳动保险费用3破产企业所欠税款4破产债权）
最低工资范围（剔除延长工作时间工资；中班、夜班、
高温、低温、井下、有毒有害等特殊工作环境、条件下的津贴；法律、法规和国家规定的劳动者福利待遇等）
法定节假日和周末节假日上班的工资确定方法
劳动关系确立时间（开始提供劳务为准）
管理和市场营销
科学管理理论由泰勒提出
韦伯的管理理论（官僚行政组织）
目标管理法的理论基础
目标管理对上级和下级的要求（）
群体决策缺点（1）费时
（2）少数人垄断（3）服从的压力
（4）“从众现象（5）模糊的责任
心理定价包括哪些（尾数定价法招徕定价习惯定价策略声望定价策略整数定价策略）
波特提出的竞争性战略（成本法，差异定价，聚焦法）海尔公司调查市场对空调的需求量应该用什么方法
行为归因理论（特异性,一致性,和一贯性）
组织发展方法
矩阵组织缺点
长期雇佣关系的优点
马斯洛需求层次理论
波士顿矩阵分析
管理幅度定义
有个公司没有分好工作职责，导致员工效率低下，公司不景气怎么怎么滴，如果你是hr，首先会怎么治理公司考虑国际贸易、直接投资、股权转移的是什么理论
系统安全技术包括
execl工作簿和工作表（工作簿不能重命名）
word包括哪些阅读形式（页面，web，大纲，普通）
html特点
excel表中对数据排序的操作方法
测试网络连接的命令ping
word中,若光标位于表格外右侧的行尾处，按回车键（加一行）
在word编辑模式下，插入一个ω应用哪个菜单（插入--符号）
ppt设置隐藏背景会
财务管理和会计
资产负债率不变，影响财务杠杆的因素
财务杠杆公式
企业用银行账户支付进货时开具的凭证
未分配利润包括
应收账款的坏账准备提取
国际结算信用证的特点（开证行为第一责任人，单据业务）
斯旺搭配理论（顺差时，宏观经济政策—扩张的货币政策）
国际收支平衡表组成（国际捐赠属于经常帐户）
银行汇率报价买入价卖出价
美国的标价法为（间接标价法）
利率平价理论计算（美元、人民币基期物价指数均为100，一段时间后，美元物价105，人民币103，人民币相对美元升值多少5%-3%=2%）
比较优势计算
货币银行学
准货币
五级贷款分类
货币创造的影响因素（法定存款准备金率，超额存款准备金率，通货现金比率）
银行的银行职能体现在（存款准备金）
微观经济学
利润最大化的条件（边际成本等于边际收益）
边际转换率不变的时候等产量线的形状
宏观经济学
开放模型下使is向右移动的因素
奥肯定律
宏观调控不矛盾的两个目标（经济增长和充分就业）
国际收支的支出法分析
证券投资学
有效市场理论
股票分类h股定义
债券实际年收益率计算（一个人花105元买了100元的一张两年期的债权，票面利率6%，半年后卖了110元，同时得到6元利息，问这个人一年的投资收益率）
capm模型计算资产收益率
时事政治
《反垄断法》实施时间
金砖四国
20国集团峰会召开地点
神舟七号第一个出舱的人
XX年诺贝尔经济学获得者克鲁格曼
XX年奥运会中国获得总奖牌数和金牌数
政府改革后新增加的部门（交通部，工业与信息化部）
美国宣布破产的第四大投行雷曼
十一届三中全会对农村土地承包经营权（互换、转包、
出租、转让、入股）
因为这次笔试的准备完全是靠XX年XX年参加考试的前
辈的回忆，所以想在这里为后人提供一点帮助。
和参加过笔试的人对专业知识部分交流了下，觉得金融类知识只占三分之一，管理类大类占三分之一，其他的都出了6、7道吧。
时事类的
题目我觉得诺贝尔经济学奖获得者，国内会议，国际上的会议是出题点。
财务类的财务杠杆考了3次。
其他的重点是劳动法
中加班工资计算、免征营业税的对象、泰勒的理论、马斯洛需求理论、货币创造的公式、生产利润最大化的条件。
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