中国银行校园招聘笔试试题及答案(七)

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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。

中国银行笔试真题及答案

中国银行笔试真题及答案篇一：中国银行招聘笔试题中国银行笔试题一、单向选择题（共60题）1、我国人民币的主币是什么：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多少:A 5元B 10元C 10、23元D 20元（答案：C ）3、以下关丁•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什么：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？1A东方B信达C华融D光大（答案：D ）9、我国于2021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“IP0”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己有股票的公司再次公募股票D己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、供国内投资者用人艮币购买的普通股票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、下列属丁•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、下列关丁•债券的说法中错误的是：2A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、下列关丁•国债的说法中错课的是：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： AB： AAC： BBD： CC （答案：B ）21、下列关丁•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 ）322、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丁-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 口愿保险和强制保险（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：4 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5篇二：中国银行笔试题库和答案加油中国银行笔试经验分享考试前的准备阶段很重要，文科临时抱佛脚还是很有用的，所以干万不要放弃！中国银行考试笔试试题汇总中国银行笔试总结一下，货币银行学占题目比重较大，国际金融方面考了汇率和期货两三道，商业银行管理也考了一些，计算机网络出的都是比较简单的题目，法律方面主要考儿道劳动法和税法的，此外市场营销学、管理学、会计学、时事政治都有涉及到综合部分选择题1.以下哪个同行拆借率是目前被认可和通行的（伦敦同业拆借率）2.世界上第一个商业银行是？（英格兰银行）3.巴塞尔协议规定的资本充足率为多少（8%）4.商业银行的经营目的是什么？（盈利）5.在日本发行的以美元计价的债券称为什么（欧洲市场债券）6.利率互换的条件（币种相同、期限相同、利率计算方式不同）7.关丁-卖空股指期货操作的题目8.以下哪个选项最适合作为回购协议（国债、股票之类）9.以下哪种票据需要承兑（远期汇票）10.证券投资属丁•什么投资（直接投资、间接投资and so on）11.布雷顿森林体系崩溃时间（七十年代初期）12.央行和商业银行的货币职能（央行提供原始货币，商业银行制造派生货币）13.凯恩斯的货币需求理论最大的特点是（强调利率的作用）14.菲利普斯曲线描述的是什么？（通货膨胀与失业率之间的关系）13.洛仑兹曲线描述的是什么？（收入分配公平程度）一一不确定是不是这道题16.发行国债的最主要目的是什么？（筹集建设资金）17.市场营销的核心环节是（交换）18.关系营销的理论基础是什么19.泰勒被尊称为什么（科学管理之父）20.国内企业引进了激励奖金制后，现在激励奖金已经变成工资的一部分，而失去了原本的激励作用，这样意味着？（激励效应在每个国家作用不同、如何防止激励奖金变成工资的一部分是管理人员需要重视和提高的什么什么，忘了）54yjs. cn21.某企业生产平均成本达到最小值，那么该企业（利润达到最大值、超额利润为零、边际成本等于平均成本or whatever）22.劳动法对于加班时间的限定（每月不得超过36小时）23.如果企业安排员工周末上班而乂不予以调休，那么应支付多少倍工资（2倍）24.以下哪个选项免收营业税（医院提供医疗服务的费用、邮局岀售邮票、移动公司出售充值卡、还有一个选项忘7）25.以下哪种情况免收个人所得税（保险理赔）26.企业增值税的属性（A.归中央税入B.归地方税入C.共享税中央为主D.共享税地方为主）28.A、B两个相连的会计年份和甲乙两种不同的会计方式混搭，问哪个符合会计一致性原则29.某跨国企业子公司财务报告与母公司合并，过程中遭遇的汇率风险属于什么风险（经营风险、市场风险、经济风险、会计风险）30.影响现金流的操作31.以下哪个软件通常用來收发邮件（Outlook Expresso 汗！）32.BBS的功能不包括以下哪个选项（文件传输、发布信息、什么什么热表之类）33.TCP/IP协议基于什么而写？（大概是这个意思。

中国银行校园招聘笔试综合真题及答案

中国银行校园招聘笔试综合真题及答案1、银行的核心资本构成。

《中国商业银行法规定》核心资本包括：实收资本、资本公积、盈余公积、未分配利润、少数股权等；附属资本包括：重估储备、一般准备、优先股、可转换债券、长期次级债务等。

银行的附属资本不得超过核心资本的100%;计入附属资本的长期次级债务不得超过核心资本的50%.2、资本充足率。

巴塞尔新资本协议规定：银行资本充足率不得低于8%,其中核心资本与风险加权总资产之比不得低于4%.3、LIBOR伦敦同业拆借市场。

同业拆借的作用：银行及其他金融机极之间进行短期的资金借贷。

同业拆借的利率随资金供求的变化而变化，常作为账币市场的基准利率。

在国际账币市场上，最著名的是伦敦银行同业拆放利率LIBOR.上海银行间同业拆放利率SHIBOR是我国图形的人民币账币市场基准利率的指标体系。

4、做空股指期权如何做。

你下单的时候会看见有两个选项，买入/卖出，选卖出就是了。

5、央行提供账币，商业银行进行账币创造。

6、中国人民银行靠什么来实现央行的功能。

人民银行通过制定账币政策和金融监管来实现央行的功能。

7、准账币包括哪些？准账币是一种以账币计值，虽不能直接用于流通但可以随时转换成通账的资产。

从账币层次上看，准账币=M2-M1准账币包括：银行定期存款、储蓄存款以及各种短期信用流通工具等极成，如国库券储蓄存单、外汇券、侨汇券、金融卡等。

8、回费协议的概念。

回费协议指债券等的卖方在卖出的同时，承诺在制定时间按协议价格费回这笔债券。

回费协议的期限大多为隔夜或者几天，类似于一笔以债券作货押的短期贷款。

买卖的资产都是流通量大、货量最好的金融工具，如国库券。

9、哪种票据一定需要承公？即期汇票、远期汇票、即期本票、期本票即期汇票指持票人向付款人提示后对方立即付款。

远期汇票是在出票一定期限后或特定日期付款。

商业本票可分为即期和远期的，商业本票一般不具备再贴现条件，特别是中小企业或个人开出的远期本票，因信用保证不高，因此很难流通。

2023年中国银行业集团校园招聘笔试真题及答案

2023年中国银行业集团校园招聘笔试真
题及答案
第一题
题目：请解释贷款利率
答案：贷款利率是指银行或金融机构向借款人提供贷款时所收取的利息费用。

贷款利率通常根据市场利率、借款人信用状况等因素确定，对于借款人来说，贷款利率是借款成本的一部分。

第二题
题目：请说明信用评级的作用和影响
答案：信用评级是金融机构对借款人或发行债券的机构进行信用风险评估的一种方法。

信用评级的作用是评估借款人违约的潜在风险，帮助金融机构控制风险和制定相应的利率和额度。

信用评级还影响借款人的借款条件和借款成本。

第三题
题目：请解释借记卡和信用卡的区别
答案：借记卡是与借款人的银行账户直接相连的支付工具，使用借记卡进行消费会直接从借款人的银行账户中扣款。

信用卡是银行或金融机构向持卡人提供的一种信用工具，持卡人可以在一定信用额度范围内消费，信用卡消费的金额将在还款期限内结算并产生利息费用。

第四题
题目：请列举企业信贷业务的主要流程
答案：企业信贷业务的主要流程包括：借款人申请贷款、银行进行风险评估、双方达成贷款协议、借款人提供担保或抵押物、银行发放贷款、借款人按时还款或结清贷款。

第五题
题目：请解释个人征信报告
答案：个人征信报告是金融机构根据个人信用信息生成的一份
信用评估报告，包括个人的基本信息、信用卡使用情况、贷款记录、还款记录等内容。

个人征信报告用于金融机构评估个人的信用状况，判断是否有借款违约的风险。

以上是2023年中国银行业集团校园招聘笔试的部分真题及答案，仅供参考。

2018中国银行春季校园招聘笔试行测试题(七)

2018中国银行春季校园招聘笔试行测试题（七）银行招聘网为正在备考银行考试的考生们提供最新的网申、笔试、面试答题技巧。

第一时间提供银行校园招聘各类信息，帮助考生了解各所银行校园招聘时间与报考条件。

提供各大银行备考指导与备考流程，提高考生网申、笔试、面试成功率。

笔试是银行校招中的重点，笔试一般包括行测、综合知识、英语和性格测试。

中公金融人为广大考生提供银行校园招聘笔试模拟试题，助考生们顺利通过考试。

更多有关银行校园招聘网申、笔试、面试技巧试题练习：1.大约六千年前，古巴比伦的人们开始制作黏土代币作为交易的记录。

不同形状的黏土代币表示不同的物品。

当一次交易需要用到很多代币时，人们就用黏土把它们包裹起来，交易者用削尖的木棍在上面刻上不同的符号，用以表示里面包了些什么。

后来一些人想到了更简洁的办法，只需简单地将符号刻在黏土上，就可以表示交易内容，这样就摆脱了烦琐的代币。

于是文字被发明了，而这正是文明的开始。

这段文字主要介绍了：A.古巴比伦的货币发展史B.古巴比伦文字是如何产生的C.文字对文明发展的重要意义D.古巴比伦人怎样进行商品交换2.中国长江以南的居民最初来自北方，周期性的天灾与持续不断的人口压力迫使汉族逐渐离开黄河流域，迁移到南方，如南宋时就有一次南迁高峰。

但是人口流动常常是不易察觉的，通过将地方志中提到的水利工程统计制表，历史学家现在能够说，早在3世纪就有相当数量的移民开始渡过长江，进入拥有季风气候、热带丛林的南方。

唐代移民迅速增长，13世纪晚期移民数量达到高峰，之后开始下降，直到1700年相对稳定。

此时，中国大半人口已住在长江以南。

对这段文字的主旨概括最准确的是：A.描述长江以南的人口迁入B.介绍人口研究方面的新成果C.分析中国古代人口大规模迁移的原因D.说明人口压力与人口流动之间的关系3.“天池”的最早出处大概是《庄子》，原义是指寓言中所说的海，但至少到了南北朝时，人们已开始用“天池”专指那些位于山原之上的湖泊。

2023年中国银行校园招聘考试真题

2023年中国银行校园招聘考试真题（满分100分时间120分钟）一、单选题（每题只有一个正确答案，答错、不答或多答均不得分）1.如无特殊说明，公文正文中文字的颜色均为（）。

A.蓝色B.红色C.绿色D.黑色【答案】：D2.古人在造字之初，常使用象形的方法造字。

下列文字不是象形字的是（）。

A.日B.山C.男D.水【答案】：C3.五四运动爆发的导火线是（）A.巴黎和会上中国外交失败B.新文化运动的深入发展C.北大校长蔡元培辞职D.陈独秀被捕【答案】：A4.电商售假、流量偷跑、“天价青岛大虾”等现象的治本之策在于（）。

A.不断完善市场竞争规则B.消费者加强对企业监督C.建立健全社会信用制度D.经营者要树立质量意识【答案】：C1/ 125.下列不属于民商法调整的社会关系有（）。

A.何某与其所供职的公司之间发生的知识产权纠纷B.王某与其弟弟之间因继承发生的纠纷C.李某与某派出所因罚款数额发生的纠纷D.甲、乙两公司之间发生的买卖合同纠纷【答案】：C6.下列选项中，不属于法国作家的是（）。

A.福楼拜B.拜伦C.巴尔扎克D.司汤达【答案】：B7.在公文收文办理流程中，为决策活动提供选择方案的流程是（）。

A.承办B.批办C.注办D.拟办【答案】：D8.俗语“物以稀为贵”所称的“贵”指的是商品的（）。

A.生产价格B.价格C.使用价值D.价值【答案】：B9.资本主义经济发展中，资本集中的直接后果是（）A.绝对剩余价值总量快速增长B.个别资本规模迅速扩大；C.社会总资本急剧增加；D.社会就业率明显提高；【答案】：B2/ 1210.某顾客到龙虾馆吃霸王餐，赊账300元，还和老板娘发生争吵。

店里的厨师甲、伙伴乙及合伙人丙、丁听说后气不过，连夜带着道具一起去追债，打伤了该顾客，还拿走了他身上的3700元钱，事发当天，这4人就被民警抓获。

对此，下列说法不正确的是（）。

A.4人应退还赃款，并赔偿该顾客的医药费等相关损失B.4人构成盗窃罪C.4人属于共犯D.4人行为构成抢劫罪【答案】：B11.需求是指（）。

中国银行校园招聘考试历真题试卷及答案

最新中国银行校园招聘考试历年真题试卷中国银行招聘考试考题覆盖面很广，包括时政、银行基本信息、行政能力测试、英语、政治、经济、文化、人文、社会、法律、科技和管理等方面的内容，这么多内容如果只靠临时突击显然是无济于事的。

所以关键还是应注重平时对多种知识的积累，应注重平时对知识的掌握，只有如此，才能拥有广博的知识，才能考出好分数。

考生还要熟悉行测+英语+综合知识+心理测试这种形式的考试。

“行政职业能力测试”，很多应届生在找工作的时候都会选择公务员，所以行政职业能力测试多多少少也会复习到。

这部分大部分考生在规定的时间内会做不完考题，在这里给大家提二点建议：1、考试内容中有难易之分，但是答题的时候不要挑，因为后面基本不会有多余时间回头做；2、难题是因人而异，比如数学专业的考生会将数量关系与资料分析这两部分的考题视为容易题，语文专业和新闻专业的考生会将言语理解与表达部分的考题视为容易题，如此等等。

综合知识的复习这么样才能更好从往年的中国银行综合知识内容来看，专业考的非常的太广了，包括了经济、金融、管理、会计、计算机、市场影响等等，就金融类而言，非金融专业的同学可以看看西方经济学，大致有个印象就好了，不会考的很深的。

法律方面，可以看看劳动法关于试用期的规定，女职工的保护等等。

还有就是时政新闻，这部分主要是平时的积累，大家上网的时候要关注下经济大事，政治新闻等等，多看新闻也是有益的。

下面我们来看看2018年历年真题的整理：第一部分英语题，13.30-14.30：60分钟50道单选50到阅读，单选的话主要就是考察词组搭配，词性，最多只能花20分钟，10篇阅读理解大多一篇阅读理解3段；第二部分职业能力测试14:30-15:30：58分钟75道题，建议要先做15道资料分析送分题，不要在前面逻辑，数学推理浪费太长时间，不然时间根本来不及，值得一说的是，这次图形推理增加了一些什么各种花的图像；第三部分总合知识15:30-16:10（可提前20分钟交卷）：这次不止考金融、经济，还考了许多常识性问题，例如贞观之治的皇帝，南北宋首都、秦朝统一六国政策、台风不会出现在哪儿、厄尔尼诺现象，要保持大脑清醒，反正我直接做蒙了，是实体中国银行的近态还是要多看看，像今年获得荣誉、和中国移动推出等还是会至少5题以上吧。

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()。

中国银行总行招聘考试笔试试题(包含答案)

中国银行总行招聘考试笔试试题第一部分：英语能力测试一、阅读理解Passage 1The angry woman stood on the station platform (月台). “The railway should pay me ￡14,” she said to Tony Jenks, the man in the booking office. “My ticket was for June 26th, and there was no ship from Jersey that night. My daughter and I had to stay in a hotel. It cost me ￡14.” Tony was worried. He remembered selling the woman a return ticket. “Come into the office, madam,” he said politely. “I’ll just check the Jersey timetable for June 26th.” The woman and her little girl followed him inside. She was quite right, as Tony soon discovered. There was no ship sailing on June 26th. How had he made such a careless mistake? Not knowing what to do, he smiled at the child. “You look sunburned (晒黑的),” he said to her. “Did you have a nice holiday in Jersey?”“Yes,” she a nswered shyly. “The beach was lovely. And I could swim too!” “That’s fine,” said Tony. “My little girl can’t swim a bit yet. Of course, she’s only three……” “I’m four,” the child said proudly. “I’llsoon be four and a half.” Tony turned to the mother. “I remember your ticket, madam,” he said. “But you didn’t get one for your daughter, did you?” “Er, well……” the woman looked at the child, “I mean —she hasn’t started school yet. She’s only four.” “A four-year-old child must have a ticket, madam. A child’s ret urn ticket to Jersey costs — let me see —￡15.50. So if you want the railway to pay ￡14 for your hotel, you will have to pay the railway ￡15.50 first. The law is the law, but since the fault was mine……” The woman stood up, took the child’s hand and left the office.1. A return ticket is a ticket that __________.A. allows a passenger to travel to a placeB. one buys when one returnsC. must be returned if one wants to get his money backD. allows a passenger to travel to a place and return later2. The man in the booking office mentioned the child’s ticket in order to __________.A. send the woman awayB. get back ￡15.50C. say sorry to the womanD. make clear the importance of the law3. According to the railway law, a child __________.A. must have a ticket just like a grown-upB. can not travel without a ticketC. below the age of four can travel without a ticketD. can travel with grown-ups without a ticket4. At last the woman got __________ from the railway booking office.A. ￡15.50B. ￡1.50C. ￡14D. nothing5. According to the passage, which of the following statements is TRUE?A. After checking the timetable Tony found there was a ship from Jersey on June 26th.B. Tony said sorry to the woman and paid her ￡14.C. The woman did not travel at all to Jersey with herdaughter to spend her holiday.D. It was clear that the woman was not honest.解答：D A C D DPassage 2Throughout history, people had dreamed about joining England and France together. Even Napoleon had a plan to dig a tunnel (隧道) and reach England. One of the first people who tried to dig a tunnel under the Channel was a French engineer called Albert Mathieu. His tunnel failed.In 1881, Colonel Beamont and Captain English from Britain also tried to dig a tunnel. Their tunnel went six kilometers into the Channel. Queen Victoria stopped them and said it was dangerous to connect with France. It was a very good tunnel, and it is still there today.The new tunnel (ready in 1993) is, in fact, three tunnels-two for trains and a “service tunnel” for fresh air to go in and for men who take care of the tunnels. The tunnels are fifty kilometers long, forty meters under water. Forty kilometers of tunnel are under the sea itself. They are the longest undersea tunnels in the world. Trains travelthrough the tunnels at 160 km/h. People drive their cars onto trains and the trains take them through the tunnel. Each train takes 1,500 people and there are trains every ten minutes.A special radio station called Channel Channel has started, because it is impossible to receive normal radio signals (信号) when you are under the sea. The station sends news to keep people up-to-date with the “world outside”while they are in the tunnel.6. What was people’s dream about England and France?A. Napoleon could reach England.B. Napoleon could dig a tunnel for them.C. Albert Mathieu would succeed.D. England and France could be joined together.7. Which is TRUE about the tunnel building in 1881?A. The tunnel went six kilometers from France.B. Tunnel-building was a dangerous job.C. The old tunnel is still under the sea.D. The queen agreed to the digging plan.8. What’s the traveling like in the tunnel?A. Trains and cars can travel at 160 km/h.B. People can travel by trains through two tunnels.C. It takes ten minutes to go through the tunnel by train.D. People can drive their cars or take trains through the tunnel.9. Channel Channel has started to _________.A. tell people what the date isB. send news about people in the tunnelC. tell people news about the outside worldD. receive radio signals of the outside world10. The passage mainly tells us _________.A. the history of the Channel tunnelB. the importance of the Channel tunnelC. it’s hard work to dig an undersea tunnelD. the people who tried to dig the Channel tunnel解答：D C B C APassage 3Opportunities for rewarding work become fewer for both men and women as they grow older. After age 40, job hunting becomes even more difficult. Many workers stay at jobs they are too old for rather than face possible rejection. Our youth-oriented, throw-away culture sees little value inolder people. In writer Lilian Hellman's words, they have "the wisdom that comes with age that we can't make use of." Unemployment and economic need for work is higher among older women, especially minorities, than among younger white women.A national council reports these findings: Though unemployed longer when seeking work, older women job-hunt harder, hold a job longer with less absenteeism (缺勤), perform as well or better, are more reliable, and are more willing to learn than men or younger women. Yet many older women earn poor pay and face a future of poverty in their retirement years. When "sexism meets ageism, poverty is no longer on the doorstep - it moves in," according to Tish Sommers, director of a special study on older women for the National Organization for Women.Yet a 1981 report on the White House Conference on Aging shows that as a group, older Americans are the "wealthiest, best fed, best housed, healthiest, most self-reliant older population in our history." This statement is small comfort to those living below the poverty line, but it does explode some of the old traditional beliefs and fears. Opportunities for moving in and up in a large company may shrink but many older people begin successful small businesses, volunteerin satisfying activities, and stay active for many years. They have few role models because in previous generations the life span was much shorter and expectations of life were fewer. They are ploughing new ground.Employers are beginning to recognize that the mature person can bring a great deal of stability and responsibility to a position. One doesn't lose ability and experience on the eve of one's 65th or 70th birthday any more than one grows up instantly at age 21. （ 348 words ）11. After the age of 40, ______.A. most workers are tired of their present jobsB. many workers tend to stick to their present jobsC. people find their jobs more rewarding than beforeD. people still wish to hunt for more suitable jobs12. From Hellman's remark, we can see that ______.A. full use has been made of the wisdom of older peopleB. the wisdom of older people is not valued by American societyC. older people are no less intelligent than young peopleD. the wisdom of older people is of great value to American society13. Tish Sommers argues that ______.A. older women find it hard to escape povertyB. older women usually perform better in their jobsC. the major cause of the poverty of older women is sexismD. more people have come to believe in sexism and ageism14. According to the third paragraph, it can be seen that older Americans ______.A. have more job opportunities than young peopleB. live below the poverty lineC. have new opportunities to remain active in societyD. no longer believe in the promise of a happy life upon retirement15. It can be concluded from the passage that the writer ______.A. calls attention to the living conditions of older AmericansB. believes that the value of older people is gaining increasing recognitionC. attempts to justify the youth-oriented, throw-away culture of the United StatesD. argues people should not retire at the age of 65 or 70 解答：BBACB二、完型填空Mark Twain （马克.吐温）, a famous__1__ writer, liked to play jokes on others. But once on him a joke was played. One day Mark Twain__ 2__ to give a talk in a small town. At lunch he met a young man, one of his friends. The young man said that he had an uncle with him. He told Mark Twain that his uncle never laughed__ 3__ smiled and that nobody and__ 4__ was able to make his uncle smile or laugh. “You__ 5__ your uncle to my talk tonight,” said Mark Twain, “I’m sure I can make him laugh.” That evening the young man and his uncle sat__ 6__ . Mark Twain began to speak. He told several funny stories. This made everyone in the hall laugh.__ 7__ the old man never ever smiled. Mark Twain told more funny stories, but the old man still kept quiet. Finally Mark Twain stopped. He was quite__ 8__ . Several days later, Mark Twain told another friend__ 9__ his about what had happened that night. “Oh,” said his friend, “I know about that old man. He__10__ deaf for years.” (190)1、A. AmericaB. AmericanC. AmericanismD. Americana2、A. invitedB. were invitedC. was invitedD. had been invited3、A. andB. soC. butD. or4、A. anythingB. nothingC. somethingD. everything5、A. takeB. fetchC. bringD. carry6、A. in a frontB. in frontC. in the front ofD. in front of7、A. SinceB. ButC. WhileD. So8、A. disappointB. disappointingC. disappointmentD. disappointed9、A. ofB. fromC. inD. among10、A. beB. had beenC. has beenD. was解答：B C D B C B B D A C三、字词理解1. My roommate lost a lot of weight ____ every day.A. to exerciseB. with exerciseC. for exerciseD. by exercising解答：D2. It was Smith who called while I was out.A. no other butB. no other thanC. no one thanD. none other than解答：D3. We students should learn to be good citizens. A crime may ____ cause lifelong regret.A. howeverB. otherwiseC. necessarilyD. absolutely解答：A4. As it turned out to be a small house party, we so formally.A. need not have dressed upB. must not have dressed upC. did not need to dress upD. must not dress up解答：A5. You cannot be ____ careful when you drive a car.A. veryB. soC. tooD. enough解答：A6. Amoebas are small to be seen without a microscope.A. far tooB. far andC. so farD. as far as解答：A7. The nectarine is a fruit __ like a peach.A. asB. muchC. andD. to解答：B8. __ kinds of dinosaurs were dying out all through the Age of Reptiles is true.A. SomeB. Some wereC. When someD. That some解答：D9. The physicist has made a discovery,____of great importance to the progress of sci-ence and technology. A. I think which is B. that I think isC. which I think isD. which I think it is解答：B10. He noticed the helicopter hovering over the field. Then to his astonishment, he saw a rope ladder_________out and three men climbing down it.A. throwingB. being thrownC. having thrownD. having been thrown解答：B11. _____ this instrument should have put its work permit number on the box.A. Who checkedB. Whoever inspectedC. No matter who examinedD. Those who estimates解答：B12._________to blame for the many troubles you have encountered.A. It is notIwhoamB. It is notIthatisC. It is not me who amD. It is not me that is解答：A13. I am sure I can help you find ____ bed for your new house, but now I’m heading for____ bed and ____ good sleep.A. a , a , theB. a , / , aC. the , a , aD. a , the , a解答：B14. __ the silkworm produces a fluid internally and then forces it out through tiny holes in its body.A. It makes silk andB. Having made silkC. Silk is made byD. To make silk解答：D15. The drink taste a little ____ to me.A. strongB. stronglyC. so strongD. too much strong解答：D16. are fed into a tape-recorder, they magnetize the particles on the tape in varying patterns.A. When electric wavesB. Electric wavesC. Electric waves thatD. Because of electric waves解答：A17. Time should be made good use ____ our lessons well.A. of to learnB. of learningC. to learnD. to learning解答：D18. Two of the notebooks ____ Tom had lost on the bus were returned to the main desk at his dormitory.A. whatB. whichC. whoD. whose解答：B19. They arrived there at last, ____.A. was tired and hungry C. being tired and hungryC. tired and hungryD. tiredly and hungrily解答：A20.--- What was the party like?---Wonderful . It’s years ____ I enjoyed myself so much.A. beforeB. afterC. whenD. since解答：A第二部分：行政能力测试一、言语理解与表示1.下列各句中没有语病的一句是：( )A经过不不懈的努力，国家图书馆在搜集、加工、存储、提供古典文献方面已具有中国特色的藏用并举的格局。

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中国银行校园招聘笔试试题及答案（七）
银行基础知识
1．银行客户经理小王的一个大客户老李要将其在银行的全部存款支取，小王极力挽留，但老李态度坚决，表示存在的银行存款都是负利率，客户老李说的负利率是指（）。

A.名义利率低于零
B.实际利率低于零
C.实际利率低于名义利率
D.名义利率低于实际利率
2．以下关于商业信用的表述不正确的是（）。

A.商业信用的存在，就可以杜绝赊购方到期无力偿还的信用风险
B.商业信用是资本主义信用制度的基础
C.信用就是"使商品资本向货币转化得以预先实现的形式"
D.商业信用体现的是从事再生产的资本之间相互提供信用的关系
3．证券回购是以证券为质押品而进行的短期资金融通，借款的利息等于（）之差。

A.购回价格与买入价格
B.购回价格与卖出价格
C.证券面值与买入价格
D.证券面值与卖出价格
4．支付结算业务是指银行为单位客户和个人客户采用一定的计算方式进行货币支付及资金清算提供的服务。

传统的结算方式指的是"三票一汇"，下列选项中，不属于"三票一汇"的是（）。

A.汇票
B.汇款
C.押汇
D.支票
5．中国人民银行从银行间外汇市场购入外汇时，相应会（）。

A.回笼基础货币
B.投放基础货币
C.购入基础货币
D.买断基础货币
银行基础知识题答案
1.【答案】B。

解析：实际利率是指名义利率减去通货膨胀率。

由于通货膨胀严重，因此通胀率大于名义利率，使得实际利率为负，所以称为负利率。

因此答案选择B。

2.【答案】A。

3.【答案】B。

解析：证券回购进行的资金融通一般是先把有价证券卖掉，过一段时间再买回，所以为了融通资金需要支付的利息是现在购回需要的资金和当时卖掉得到的资金之间的差额，所以选B。

4.【答案】C。

解析：传统的结算方式是指"三票一汇"，即汇票、本票、支票和汇款。

5.【答案】B。

解析：央行在银行间外汇市场购入外汇，是从商业银行的手中购入，相当于商业银行将外汇卖给中央银行，从而增加商业银行在中央银行的存款准准备金，增加基础货币量；因此，此举可以看
做投放基础货币。