汇丰银行笔试题及答案
HongkongBank汇丰银行笔试题-19页word资料
Hongkong Bank汇丰银行笔试题1．Please state why you chose to follow these activities and how they have contributed to your personal development．You may wish to give details of your role whether anyone else was involved and any difficulties you encountered．2．Please state how you have benefited from your work experience．3．How much is your present monthly salary including allowances．4．Do you need to compensate your present employer if you resign? If so, please give details．5．Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6．Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are．2019年光大银行笔试真题第一部分填空题共10题1、2019年奥运会的口号是：2、2019年提出新四化是：3、根据巴塞尔协议，商业银行资本充足率不能低于：4、本世纪前20年，我国的发展目标是：5、光大银行的愿景是：第二部分选择题包括商业银行、金融产品、会计知识、推理判断等等第三部分问答及案例题每题6分共4题1、毕业前，你们班想组织一次活动，促进班集体的关系，当作毕业前的美好回忆。
汇丰HSBC笔试 集合
分为两部分，第一部分数学，如果做完渣打的考试就不用担心了，类型一样但比渣打的简单。
关键是要速度，35题35分钟，迅速读题，迅速找到该题所指的图表，都是图表题，计算很简单，基本一步或两步搞定。
如果有犹豫的，先猜一个算了，不要耽误时间。
第二部分英文理解，12段文字，很短，每段文字下四个叙述，选对、错、或无法判断（true,false,cannot say),25分钟，这个时间还可以，基本能做完并检查检查。
大概就注意这么多吧，别紧张，祝大家好运！！应聘者2感言：HSBC笔试当初报HSBC纯粹是随大流，后来才发现自己报错了，不是大家都选的那个什么banker，而去网站上选了一个International Management。
听同学说这个要GPA 3.4，又没戏了。
可是昨天上午却意外收到了让我去网上参加Numerical Test 和Verbal Test的通知。
这次就做一次炮灰好了，给这周六周日去笔试的同学一点经验。
注意：我不清楚banker的笔试和我的International Management的网上测试题目类型是否一样，写在这里仅供参考。
首先说一句，如果你做过渣打银行的网上测试，那我很高兴地告诉你，这个测试和那个是一模一样的。
如果你还记得那次做的题，那恭喜你，通过这个测试对你将是非常容易的。
如果没做过渣打，那做过KPMG、DTT、ICI的笔试吗？如果有做过一个，那你也有一定的经验了。
Numerical Test21分钟21题，需要用到计算器，每3题一个文章，中间只有一篇文章多读了一会儿，18分钟顺利搞定。
Verbal Test15分钟30题，和DTT的几乎一样，这次没有重蹈覆辙，15分钟刚好全做完。
没什么经验可谈，不过如果是网上测试的话，你身边最好能找一位牛人指点一下，呵呵，就讲到这里，点到为止。
应聘者3感言：刚回来，贡献一下子，希望不要违反道德准则，嗯嗯。
地点：好苑建国商务酒店，非常好找。
出北京站后走天桥过马路后直走，过恒基燕莎后十字路口左拐，直走个三五分钟就能看见，然后走地下通道就能到，边上是中纺大厦，还有个妇联啥的。
银行招聘考试题目及答案
银行招聘考试题目及答案一、单项选择题（每题2分，共40分）1. 银行的三性原则不包括以下哪一项？A. 流动性B. 盈利性C. 风险性D. 稳定性答案：C2. 以下哪一项不是银行的主要业务？A. 存款业务B. 贷款业务C. 证券投资D. 支付结算答案：C3. 银行的资本充足率不得低于多少？A. 4%B. 6%C. 8%D. 10%答案：D4. 银行的不良贷款率通常不应超过多少？A. 2%B. 3%C. 4%D. 5%答案：B5. 以下哪一项不是银行风险管理的内容？A. 信用风险管理B. 市场风险管理C. 操作风险管理D. 人力资源管理答案：D6. 银行的流动性比率是指？A. 流动资产与流动负债的比率B. 总资产与总负债的比率C. 流动资产与总资产的比率D. 流动负债与总负债的比率答案：A7. 银行的存款准备金率是指？A. 银行必须持有的现金与存款总额的比率B. 银行必须持有的现金与贷款总额的比率C. 银行必须持有的现金与总资产的比率D. 银行必须持有的现金与存款总额的一定比例答案：D8. 银行的贷款拨备覆盖率是指？A. 贷款损失准备与不良贷款的比率B. 贷款损失准备与贷款总额的比率C. 不良贷款与贷款总额的比率D. 贷款总额与不良贷款的比率答案：A9. 银行的净稳定资金比率是指？A. 可用稳定资金与业务所需稳定资金的比率B. 可用稳定资金与总资产的比率C. 可用稳定资金与总负债的比率D. 业务所需稳定资金与总资产的比率答案：A10. 银行的杠杆率是指？A. 核心一级资本与总资产的比率B. 核心一级资本与风险加权资产的比率C. 总资本与总资产的比率D. 总资本与风险加权资产的比率答案：B11. 银行的内部评级法是指？A. 银行根据内部数据对客户信用风险进行评估的方法B. 银行根据外部评级机构对客户信用风险进行评估的方法C. 银行根据监管要求对客户信用风险进行评估的方法D. 银行根据市场信息对客户信用风险进行评估的方法答案：A12. 银行的巴塞尔协议主要涉及哪些方面？A. 资本充足率B. 市场风险管理C. 操作风险管理D. 所有以上选项答案：D13. 银行的贷款五级分类中，哪一级表示贷款已经损失？A. 正常类B. 关注类C. 次级类D. 损失类答案：D14. 银行的资产负债管理主要关注哪些方面？A. 资产与负债的匹配B. 资产与负债的规模C. 资产与负债的收益D. 所有以上选项答案：D15. 银行的反洗钱工作主要涉及哪些内容？A. 客户身份识别B. 交易监控C. 可疑交易报告D. 所有以上选项答案：D16. 银行的流动性覆盖率（LCR）是指？A. 高质量流动性资产与未来30天资金净流出量的比率B. 高质量流动性资产与未来60天资金净流出量的比率C. 高质量流动性资产与未来90天资金净流出量的比率D. 高质量流动性资产与未来120天资金净流出量的比率答案：A17. 银行的净资本是指？A. 核心一级资本与附属一级资本之和B. 核心一级资本与二级资本之和C. 核心一级资本与风险加权资产的比率D. 核心一级资本与附属一级资本及二级资本之和答案：D18. 银行的信用风险缓释工具包括哪些？A. 保证B. 抵押C. 质押D. 所有以上选项答案：D19. 银行的流动性风险是指？A. 银行无法以合理成本及时获得充足资金的风险B. 银行无法以合理价格及时出售资产的风险C. 银行无法以合理成本及时获得充足资金或无法以合理价格及时出售资产的风险D. 银行无法以合理价格及时获得充足资金的风险答案：C20. 银行的利率风险管理主要涉及哪些方面？A. 重新定价风险B. 基准风险C. 收益率曲线风险D. 所有以上选项答案：D二、多项选择题（每题3分，共30分）21. 银行的监管资本包括哪些？A. 核心一级资本B. 附属一级资本C. 二级资本D. 超额资本答案：ABC22. 银行的流动性风险管理工具包括哪些？A. 流动性缓冲B. 流动性覆盖率C. 净稳定资金比率D. 杠杆率答案：ABC23. 银行的信用风险管理工具包括哪些？A. 内部评级法B. 标准法C. 信用衍生品D. 信用担保答案：ABCD24. 银行的资产负债表包括哪些部分？A. 资产B. 负债C. 所有者权益D. 利润答案：ABC25. 银行的支付结算业务包括哪些？A. 支票B. 汇票C. 电子支付D. 信用卡答案：ABCD26. 银行的合规风险管理包括哪些内容？A. 法律法规遵循B. 内部控制C. 员工行为管理D. 反洗钱答案：ABCD27. 银行的内部控制包括哪些方面？A. 授权控制B. 程序控制C. 监督控制D. 信息控制答案：ABCD28. 银行的业务连续性计划包括哪些内容？A. 风险评估B. 预防措施C. 应急响应D. 恢复计划答案：ABCD29. 银行的财务报表分析包括哪些内容？A. 资产负债分析B. 利润分析C. 现金流量分析D. 财务比率分析答案：ABCD30. 银行的市场营销策略包括哪些？A. 产品策略B. 价格策略C. 渠道策略D. 促销策略答案：ABCD三、判断题（每题1分，共10分）31. 银行的资本充足率越高，其抵御风险的能力越强。
汇丰银行笔试题目笔试题目及答案
汇丰银行笔试题目汇丰银行笔试题目大家准备好汇丰银行的面试了吗?下面YJBYS小编为大家整理了汇丰银行笔试题目，欢迎阅读参考!汇丰银行笔试题目 1.Please state why you chose to follow these activities and how they have contributed to your personal development.You may wish to give details of your role whether anyone else was involved and any difficulties you encountered.2.Please state how you have benefited from your work experience.3.How much is your present monthly salary including allowances.4.Do you need to compensate your present employer if you resign? If so, please give details.5.Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6.Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are.汇丰银行员工笔试试题及答案图一，是一个方格图，横着从左到右分别为人口，GDP,食物支出和衣着支出，竖着从上到下分别为国家的名字，记得的有France,Denmark 等。
外企招聘面试笔试考试题库汇丰(HSBC)--HSBC,verbal1-49(修复的)
munication technologies are far from equivalent. A recent study comparing honestyacross a range of different media revealed that people were twice likely to tell lies when using the phone than when communicating via e-mail. It had previously been assumed that people would be more inclined to fabricate the truth when using e-mail, due to the remoteness of the interaction making people more comfortable about deceiving others. On the contrary, it seems that anxiety over the accountability afforded by the recording of e-mail exchanges induces greater truthfulness. However, the research also noted that people are much more likely to be rude or insulting over e-mail, outweighing any benefits of increased honesty!An implication of the study is that if telephone conversations are recorded and people are aware of this fact, they are likely to be more truthful over the phone. TPeople are unconcerned about the repercussion of e-mail untruths. FIt had been assumed that people would communicate more honestly when using e-mail than when using the telephone. F2.There is often considerable scientific disagreement both about available reserves of naturalresources and about the extent of environmental damage caused by particular pollutants.Even where the scientific evidence is incontrovertible. There may be political conflict, based on different vested interests, over the degree to which particular environmental controls should be accepted. Governments may, for example, refrain from introducing effective control if they fear these will adversely affect company profitability or jobs, even where the environmental cost of not introducing controls are considerable.There is always scientific debate around the facts regarding the reserves of natural resources.TVery rarely is there conflict over the degree to which particular environmental controls should be accepted. FParties with a vested interest are more influenced by politics than science when deciding whether to implement environmental controls.C3.Whilst high visibility crime such as night-time drunken disturbance has increased, totalurban and rural crime, both reported and unreported, has fallen over the last two years, yet paradoxically people feel less safe, believing that the converse is the case. This fall in crime has coincided with a drop in the number of police officer on the street. A citizen’s fear of crime seems not to be a matter of reality at all- the visibility of law enforcement officials hasa greater impact on their view of reality than hard facts.Reducing the number of police officer has led to a reduction in crime. CCrime statistics support popular belief about the level of crime. FPeople feel safer when there are more police on the street. T 正确答案4.There is no task more difficult than that of ensuring the education of children in modernsociety. Not only school, but also teachers and their roles have changed out of all recognition in the past few decades, thanks to the impact on teaching institutions by indoctrinating, andindoctrinated, reformist 改革intellectuals 知识分子bearing 承受revolutionary ideas. To the perpetual indiscipline of youth has now been added the indiscipline of parents, many of whom interpret any reports of wrongdoing in school on the part of their offspring as a personal affront侮辱, or as the manifestation 表明of the malice 怨恨of teachers. As for the teachers themselves, whilst many are respectable and learned men and women, who view it as their vocation to induct their charges into a civilization and a way of behaving, others attempt to influence youth merely to further their political or ideological ends.Some of those working in education have their own hidden agendas. TTeacher with revolutionary ideas will attempt to influence their pupils for their own political ends. F 应该是CSome teachers who report children of wrongdoing do so because of malice, rather than nay legitimate reason. Cst week, the competition commission outlined two packages to regulate the sale ofextended product warranties, which provide repair/replacement for faulty goods beyond the manufacturer’s original guarantee. Whilst warranty sales are currently highly profitable, with some retailers attributing up to ¾ of their profits to this income stream, they are also criticized for offering poor value for money due to obscure 模糊clauses条款, which restrict payment in many, but the most unlikely claim scenarios. The first package-to ban retailers selling a full warranty on the day of purchase was condemned by all as draconian-whilst the other, rather milder, option of forcing retailers to provide full information on warranty exclusions and an obligatory 60–day “cool-off” period for customers, received a more balanced hearing.Because no one believes that the first option will ever be implemented, investors and analys ts have focused more closely on the implication of the “milder” package. In a recent leaked research note, one analyst suggested that the implementation of the reform in the second package would place a staff-training burden on the retailer, which would lead to a significant increase in the cost of warranty sales, and a predicted 20% fall in actual sales.“Cool-off” periods are not currently offered by companies selling product warranties. TIt is likely that neither package will be implemented. CPreventing retailers from selling warranties on the day of purchase of a product was felt to be too severe a restriction. T6.All scientific knowledge is provisional. Everything that science knows, even the mostmundane世俗facts and long-established theories, is subject to re-examination as new information comes in. the latest data and ideas are scrutinized the most. Some recantations 改变论调 will be unavoidable, but this is not a weakness of science, but rather its strength.No endeavor rivals science in its incremental progress towards a more complete understanding of the observable universe.Science improves understanding on the basis of leaving unchallenged those theories that appear to似乎 work. F ，都是re-examinationSome facts in science cannot be challenged if any progress is to be made. FThat which is not observable cannot be part of the domain of science. C7.The Statute on workplace safety requires that an employer should ensure, so far as isreasonably practicable, the health, safety and welfare at work of all full and part time employees, and also those not in direct employment who may be affected by acts or omissions at work. However, it is also the duty of employees to take reasonable care for their own health and safety and also that of other persons who may be affected by their acts or omissions at work, for example by complying with all notices on health and safety that are posted.If a workplace visitor is hurt due to an act of negligence by an employee then the employee may be held solely responsible. F C?An employer has responsibility for the safety of visitors to his factory. TEmployees have negligible responsibility for workplace health and safety. F8.Today’s historians aim to construct a record of human activities and to use this record toachieve a more profound understanding of humanity. This conception 概念of their task is quite recent, dating from the development from 18th and early 19th centuries of scientific history, and cultivated largely by professional historians who adopted the assumption that the study of natural, inevitable必然的 human activity. Before the late 18th century, history was taught in virtually事实 no schools, and it did not attempt to provide an interpretation of human life as a whole. This is more appropriately the function of religion, of philosophy, or even perhaps of poetry诗.That which constitutes 组成the study of history has changed over time. CProfessional historians did not exist before 18th century. CIn the 17th century, history would not have been thought of as a way of understanding humanity. T；没有说到17th的情况，选c？9.Whilst having similar effects on employees, there tend to be major difference between amerger and an acquisition. In an acquisition, power is substantially assumed by the new parent company. Change is often swift and brutal残忍的as the acquirer imposes its own control systems and financial restraints. Parties to a merger are likely to be evenly matched in terms of size, and the power and cultural dynamics of the combination are more ambiguous, integration is a more drawn out process.During an acquisition, there is often more overt conflict and resistance and a sense of powerlessness. In mergers, because of the prolonged period between the initial announcement and full integration, uncertainty and anxiety continue for a much longer time as the organization remains in a state of limbo.There tends to be a major power difference between parties in an acquisition. TMergers and acquisition tend to have distinctly different impacts on employees. FMergers yield a shorter period of anxiety and uncertainty amongst employees. F10.Management is, in effect, the catalyst that is essential for converting the resources and rawmaterial inputs of the operation into valued outputs and, in the process, ensuring that stakeholder needs are satisfied. Managers represent the critical factor, which economists refer to as “enterprise”, without which the other factors (land, labor and capital) cannot function. Managers are effectively the custodians of the organization’s resource, responsible for deciding what the resources should be used for, how best to use them, and to which customers the outputs should be targeted.Stakeholder needs are best served through the creation of valued outputs. CManagement has at least two major but different responsibilities. TManagers must decide how best to handle all the resources at their disposal. T11.There is no doubt that vegetarian food can be healthier than a traditional diet –indeed,research has demonstrated that vegetarians are less likely to suffer from heart disease and obesity than those who eat meat. One long-standing concern about a vegetarian lifestyle is the risk of failing to take in enough protein. However, historical calculations as to the amount of protein needed for a healthy lifestyle have recently been shown to overestimate the quantities needed, and if vegetarian select their food carefully they should be able to meet their protein needs.A balanced diet is more likely to promote health than any particular food or food group inisolation. F 应为CToo much protein in the diet can lead to heart disease. COver time the recommendations as to what constitutes a healthy balanced diet have changed.C12.Water, the most common liquid used for cleaning, has a property called surface tension.Molecules in the body of the water are surrounded by other molecules, but at the surface a “tension” is created as molecules are only surrounded by other molecules on the waterside.This tension inhibits the cleaning process, as it slows the wetting of surface due to tension causing the water to bead up. This is where water droplets hold their shape and do not spread. For effective cleaning to take place “surface tension” must be redu ced so that water can spread. Surface-active agents, or surfactants, are chemicals, which are able to do this effectively.Surface-active agents, or surfactants, are only used for cleaning. CWater is the only known liquid used for cleaning. FIf surfactant chemicals are added to water when cleaning a surface, surface tension will occur.FThe molecules on the waterside hinder阻碍 the cleaning process. TF？surface tension 阻碍13.The biggest risk facing the world’s insurance companies is possibly the rapid change nowtaking place within their own ranks. Sluggish growth in core markets and intense pricecompetition, coupled with shifting patterns of customer demand and the rising cost of losses, are threatening to overwhelm those too slow to react.Insurance companies are experiencing a boom in their core markets. C 应为FInsurance companies are competing to provide best prices to customers. TInsurance companies are coping well 积极应对with increased price competition and rising losses. F14.Short-sightedness is to a large extent inherited, its incidence varies from one family toanother. The reason behind the link between the common incidence of short-sightedness and high intelligence is unclear. Previous generations thought that eyes could become strained by years spent poring over books, but a few decades ago the popular medical view was that short-sighted people gravitated towards the library because they found it hard to excel at sports. Recently there has been partial support for a theory that high intelligence and short-sightedness may, in fact, be part of a genetic package.The genetic link between intelligence and short-sightedness has recently been disproven. F People from all families stand at an equal chance of being short-sighted. FIntelligence is to a large extent inherited遗传. C15.The cosmic microwave background (CMB) radiation is the afterglow from the Big Bang, andweak as it may be today, these primeval microwaves hold valuable information about fundamental properties of the early universe. Slight differences, or anisotropies, in the brightness and polarization of the CMB reveal clues about the nature of the primeval plasma: that the discrepancies exist at all shows that the plasma was not perfectly uniform. The variations in the brightness seen in the CMB reflect differences in the density of the primordial plasma, whereas the anisotropic polarization reveals information about the dynamics of the early universe, such as the movement of material and the number of gravitational waves. The CMB, however, is not the only source of polarized microwaves and the cosmological polarization must thus be measured at different wavelengths so as to isolate them from foreground signals.The anisotropies of the CMB show solely that the primordial plasma was not uniform. FThe polarization of cosmic microwaves is measured at different wavelength so as to separate the foreground from the background signals. TThrough studying the cosmological microwaves, one may learn about the forces of gravity in the early universe. T16.Internet experts are warning of a new multitude of extremely dangerous computer virusesthat have recently been causing devastation and could potentially cripple entire global computer systems. These viruses can replicate thousands of copies within hours and are capable of extirpating security software that, in turn, enables hackers to appropriate control of the machines. Criminal gangs can then establish bank accounts using stolen identities, sabotage a company’s computer system and extort money for its restoration, and sell computers that have been interfered with on the black market. Computer users are oftenadvised to refrain from opening suspicious program attached to the emails and to continually update their security software.Internet experts are advising computer users to replace their software if they suspect it has been tampered with. C17.For most people, any reference to hypnosis brings to mind images of individuals involved inamusing, and often out of character, behavior. However, hypnosis is also a topic of scientific research. Research by scientists over the last few decades has revealed ways in which memory processes, and processes involved in pain perception can be changed using hypnosis. It has also been found that hypnotic suggestions can regulate activity in identifiable sections of the brain and can contribute to the effective management of cognitive conflict.Findings from several related brain imaging studies, for example, have suggested that people under hypnosis cab exhibit reduced level of brain activity in both visual area and the anterior 先前cingulate cortex. Disparate research has already established the role of these brain structures in the monitoring the cognitive conflict.18.Workers are becoming increasingly concerned about company relocation due to itsassociation with employee distress and isolation, which can be caused by issues such as the management of property transitions and loss of community ties. Furthermore, moving home can put a strain on worker’s financial resources and close relationships, especially for those working parents who may feel guilty about moving children to new schools. Regardless of the disruption created, some individuals are very willing to relocate, due to the potential for enhanced career prospects and long-term financial stability.Some people may feel guilty about the consequences of relocating. TCompany relocation has increased. CThe potential benefits of job relocation are seen, by some, to be worth the associated distress and strain. T19.Political, economic and demographic developments are combining to increase the wealth ofindividuals leading economies. These individuals take a much more active role in managing their personal financial affairs and in determining how their assets should be invested for their long-term benefit. As a result, we are seeing the emergence of a new market, consisting of so-ca lled “affluent individuals”. This structural trend is set to continue and will provide significant opportunities for financial services providers. This band of individuals has traditionally been dominated by old money inheritance, and this will remain a factor, but the rise of new affluent money is increasing as individuals benefit from higher salaries and compensation in the form of stock options. These new affluent individuals are also creating wealth as small business entrepreneurs.Affluent individuals want to manage their own assets rather than use financial service providers. CIndividuals cannot become “affluent” through inheriting old money. FInherited old money will be completely replaced by new affluent money. F应该为C20.At the moment of GTC, like other European producers, is able to relieve at least some of itsover-capacity by exporting, partly to Central America. A decade from now, that region will be largely self-sufficient and trade will be starting to flow the other way. However, for GTC investors, the company’s recent restructure could herald better times. The group’s lack of focus and lack-lustre returns have been much criticized of late.Central America will, in the future, begin to export less to Europe. F 疑似为C?Central American producers will find a ready market for their products in Europe. CRestructuring generally produces an increase in profitability. C 疑似为T21.The increasing fragility of the rural economy will be the biggest challenge facing countrycommunities over the next ten years. Agriculture, which accounts for a quarter of rural job, is in decline. Tourism provides no more than half this number of job. The rural manufacturing sector, however, has grown over last ten years. Despite this, it still employs fewer than one in twenty people living in rural area, and is threatened by companies based in industrial areas, which benefit from access to a larger skilled workforce and better transportation networks.Industries based in rural areas benefit from better transport links. FManufacturing provides the fewest jobs in the countryside. C 应该为T，少于20分之1The manufacturing sector is likely to be the main source of employment for rural workers in the future. CIndustries based in rural areas suffer from poorer transport links. T22.In recent years, many issues have been considered when attempting to ameliorate thewellbeing of patients and the efficiency of hospital administration. Patients have often complained about endless waiting lists, low standards of cleanliness, poor hospital food, and unsatisfactory doctor-patient communication and now, according to an expert from a leading image consultancy, doctors’ dress codes and their general appearance must come under close scrutiny. Of healthcare professionals have an unwashed appearance, dirty nails or unkempt hair, this exudes the impression of recklessness, wearing red reminds patients of blood, and power dressing is discouraged because patients may feel undermined and less relaxed. Although campaign groups approve of healthcare professionals leading by example with high standards of hygiene in hospitals, some individuals argue that this potential new image legislation is merely a case of jumping on the bandwagon of the current media trend for home and lifestyle makeovers.Individuals have argued that the current media trend for lifestyle makeover is direct result of the concern over the image of new legislations. T 应为FNew hospital legislation states that healthcare professionals must have clean fingernails. TIt is always preferable for healthcare professionals to wear blue instead of red. C23.One of the great paradoxes of entrepreneurship is that entrepreneurs must develop thecapacity to engage the urgent with the emergent. Routine pressures force us to allow theurgent to dominate us, quarterly reports, market share, and tangible return on investment become paramount in this paradox, emergent (strategic) issues are often lost.The urgent presents itself in tangible shape and form, whereas the emergent is subtler in its appearance. Entrepreneurs need to pre-sense emergent reality, thus they require more than ordinary attentiveness. However, information consumes the attention of the recipient, and urgent information is by nature more demanding of attention than emergent. Yet it is an awareness of the emergent that frequently distinguishes the successful leader, the individual who can see through the reactive demands of day-to-day urgency to act rapidly upon the emergent trends that, if capitalized upon, can ensure commercial triumph胜利. One way of ensuring time to identify the emergent is to make time for reflective moments in work life in order to restore the quality of attentiveness and see through the fog of the immediate.It is easier to spot an emergent trend than an urgent issue. FThe present tends to be governed by the immediate demands. TIt is easy to lose sight of the strategic issues given the demands that immediate issues make.T24.Some doctors claim that any information received from a patient during a medicalconsultation is subject ethically to absolute confidentiality and can in no circumstance be revealed without the patient’s permission. Without such a rule, they believe that patients would not supply all of the information needed to treat them. Most however, believe that their obligations to society override their obligations to their patients; for example, being prepared to report to the police a patient who persisted in driving, despite the existence of a condition that rendered them unsafe. One reason for such a conflict is that whilst courts recognize the confidentiality of exchange between lawyers and clients, this is not extended to doctor and patients.A doctor would report to the police a patient who was a danger to others. CPatients rarely give permission for a doctor to discuss their medical details with others. CDoctors are in agreement about the ethics and practice of patient confidentiality. F25.Private airline companies have always been determined to operate a transport system that issafe for passengers, whilst still remaining competitively priced and commercially viable.However, a private sector business can only remain viable if it generates profits for its shareholders. Recent reports suggest that if all aircrafts were fitted with military derived ground-to-air missile defense system, and at all airports there was infallible screening for weapons and explosives then the system would be much safer. However, totally effective screening would preclude all possibility of profit, and current systems are still very thorough 周密, whilst also providing a good cost-benefit ratio.Military aircraft are safer than commercial craft. CMore effective airline security systems than are currently in use are available. TCurrent airline security systems provide the best possible mix of cost against benefit. C26.Full employment is a concept, which is often referred to but seldom defined. Beveridge’sdescription comes close to what most economists understand by the term. In his view full employment means that “unemployment is reduced to sh ort intervals of standing by, with the certainty that very soon one will be wanted in one’s old job again or will be wanted in a new job that is within one’s powers.” In other words, f ull employment does not mean zero unemployment, but allows for some measure of acceptable unemployment, for example, “frictional” unemployment whilst changing jobs.Definitions of full employment are abundant丰富的. FSome economists do not understand full employment in Beveridge’s terms. T应为CIn B’s view, full employment inco rporates those unemployed people who are certain to regain work very shortly. T27.The typical share-save scheme is a regular savings plan that gives employees the opportunityto purchase shares in 3.5 or 7 years time, should they choose to exercise the purchase option, at a discounted price fixed before the saving period starts. In addition to potential financial gains, the employee also has the opportunity to participate in future company development through the acquisition of shares. The employee does not have to pay income tax on any gains made on the exercise of the option to buy shares, though there may be a liability to capital gains tax if the shares are sold and the resulting gains cause that particular employee’s level of capital gains liability to e xceed the annual exempt amount.Employees usually exercise the option to sell their shares at the end of the saving period. CEmployees do not automatically have to pay Capital Gains Tax as a consequence of participating in share-save scheme. F应为TIndividuals who sell shares generate no potential tax liability. F28.Staff monitoring is a particularly issue for managers – the only kind of staff monitoring notsubject to regulation is where one individual watches another. Once any recording starts, even if it is manual, monitoring is subject to the Data Protection Act – employees need to be told about monitoring takes place and why. The information gathered has to be kept secure, and affected staffs have the right to see information related to them. Whilst a person’s consent is not required, he or she must be consulted about the processing of personal information (monitoring data is construed as “personal”), and monitoring practices must not cause unnecessary stress. However, covert monitoring without consultation may be used, but only in particularly serious circumstances, such as when a staff member is suspected of dishonest. In such a case, the covert surveillance (e.g. hidden cameras) must be in targeted areas and at times when the dishonest behavior is expected- any other information must be disregarded.It is not possible to avoid the Data Protection Act when monitoring staff. FManagers find it difficult to justify the use of covert monitoring procedures. CAny employee in a building where monitoring is taking place may see all of the information collected. F29.Primates .Without exception, living non-human primates habitually more around on all fours, or quadrupedally, when they are on the ground.现生的灵长类，除了人类以外，在地面上都习惯以四足行走。
关于汇丰银行的笔试题目
关于汇丰银行的笔试题目笔试(Written Test)是一种与面试对应的测试，是考核应聘者学识水平的重要工具。
这种方法可以有效的测量应聘人的基本知识、专业知识、管理知识、综合分析能力和文字表达能力等素质及能力的差异。
下面是关于汇丰银行笔试题目，请参考！数字推理1: 1，3，15，（ c）A 46B 48C 255D 2562: 5 25 6 12 （ a）A 8B 11C 37D 72理由是:5,先按平方升到25,然后回落到6(5+1),然后倍增到12,然后回落到8(6+2)3: 3 1 9 12 (c )A 5B 8C 14D 204: 8把144 张卡片平均分成若干盒，每盒在 10 张到40 张之间，则共有（ b）种不同的分法。
A 4 B 5 C 6 D 75.甲、乙、丙、丁、戊5 人各借了一本小说，约定读完后相互交换。
这5本书的厚度和他们的阅读速度都差不多，因此5 人总是同时换书。
数次交换后，5 人每人都读完了这5 本书。
现已知：（1）甲最后读的书是乙读的第二本书。
（2）丙最后读的书是乙读的第四本书。
（3）丙读的第二本书甲在一开始就读了。
（4）丁最后读的书是丙读的第三本书。
（5）乙读的第四本书是戊读的第三本书。
（6）丁第三次读的书是丙一开始读的那一本。
根据以上情况，你能说出丁第二次读的书是谁最先读的吗？（戊）6.红、蓝、黄、白、紫五种颜色的珠子各一颗，都用纸包着摆在桌上。
有甲、乙、丙、丁、戊五个人，猜纸包里的珠子的颜色，每人限猜两包。
甲猜：第二包是紫的，第三包是黄的。
乙猜：第二包是蓝的，第四包是红的。
丙猜：第一包是红的，第五包是白的。
丁猜：第三包是盘的，第四包是白的。
戊猜：第二包是黄的，第五包是紫的。
猜完后打开纸包一看，每人都猜对了一种，并且每包都有一个人猜对。
请你也猜一猜，他们各猜中哪一种颜色的珠子？（第一包是红的。
第二包是蓝的。
第三包是黄的。
第四包是白的。
第五包是紫的）7.住在某个旅馆的同一房间的四个人A ，B ，C ，D 正在听流行音乐，她们当中有一个人在修指甲，一个人在写信，一个人躺在床上，另一个人在看书。
银行笔试题及答案
银行笔试题及答案一、选择题1. 以下哪项不是银行的主要业务？A. 存款业务B. 贷款业务C. 保险业务D. 投资业务答案：C2. 银行的资本充足率是指：A. 银行总资产与总负债的比率B. 银行核心资本与风险加权资产的比率C. 银行总负债与总资产的比率D. 银行总资产与核心资本的比率答案：B3. 银行的信用风险主要来源于：A. 存款B. 贷款C. 投资D. 以上都是答案：B二、判断题1. 商业银行的存款准备金率是由中央银行规定的。
（）答案：正确2. 银行的流动性风险是指银行无法满足客户取款需求的风险。
（）答案：正确3. 银行的利率风险是指市场利率变动对银行收益的影响。
（）答案：正确三、简答题1. 简述银行的三大职能。
答案：银行的三大职能包括：信用中介职能，即银行通过吸收存款和发放贷款，实现资金的再分配；支付中介职能，银行为客户提供支付结算服务；信用创造职能，银行通过发放贷款，创造货币供应。
2. 什么是银行的表外业务？请举例说明。
答案：银行的表外业务是指那些不直接反映在银行资产负债表上，但与银行经营活动密切相关的业务。
例如，银行提供的信用证、担保、金融衍生品等业务。
四、案例分析题某银行在2019年的资产总额为1000亿元，负债总额为850亿元，其中存款为700亿元。
请计算该银行的资产负债率和存款比率。
答案：资产负债率 = 负债总额 / 资产总额 = 850 / 1000 = 85% 存款比率 = 存款总额 / 负债总额= 700 / 850 ≈ 82.35%五、论述题请论述银行在经济体系中的作用及其重要性。
答案：银行在经济体系中扮演着至关重要的角色。
首先，银行作为信用中介，通过吸收存款和发放贷款，促进了资金的有效配置，支持了经济的发展。
其次，银行提供支付结算服务，保证了经济交易的顺利进行。
再次，银行通过金融创新，为市场提供多样化的金融产品和服务，满足了不同客户的需求。
最后，银行还承担着风险管理的职能，通过各种风险管理工具，降低经济运行中的不确定性。
汇丰理财经理笔试题目.doc
汇丰理财经理笔试题目选择题1:1997年国务院决定，个人缴纳养老保险费累计年限满( )年的即可退休。
A.10B.15C.20D.252:《1932年华沙—牛津规那么》解释了多少种贸易术语A.1种B.6种C.13种D.14种3:在名义利率相同的情况下，复利债券的实际利息一般比单利债券A.低B.高C.相同D.不确定4:绿色革命就是A.对动物和森林实现彻底的保护，防止对野生动物乱捕乱杀，对森林乱砍乱伐B.推广和应用粮食优良品种C.农业生产广泛运用基因工程技术D.广泛播种和生产绿色食品5:国民政府公布的农业法规中包括土地行政、土地使用、土地税、土地征收四方面内容的是A.《佃农保护法》B.《土地法》C.《合作法》D.《限制附加税法》6:国家信用的债务人是A.中央政府B.中央银行C.商业银行D.投资银行7:我国上市公司发行股票的方式主要是A.公开发行B.不公开发行C.折价发行D.平价发行8:官督商办煤矿企业中，规模最大、效益最好的是A.开平煤矿B.基隆煤矿C.抚顺煤矿D.烟台煤矿9:在以下工程中，属于技术效劳的是( )。
A.配方提供B.质量控制C.管理D.工程可行性研究10:世界上第一个证券交易所是A.纽约证券交易所B.东京证券交易所C.阿姆斯特丹证券交易所D.美国证券交易所11:从整个社会考察，利率的最高界限是A.通货膨胀率B.市场利率C.平均利润率D.官定利率12:最大诚信原那么的推行最早始于A.责任保险B.人身保险C.海上保险D.信用保证保险13:一只股票市场价格为10元，每股收益为0.5元，那么该股票的市盈率为A.25B.20C.15D.514:贷款五级分类法是A.正常、关注、次级、呆账、损失B.正常、次级、关注、呆账、损失C.正常、关注、次级、可疑、损失D.正常、关注、可疑、呆账、损失15:商业银行在货币供应机制中的作用是A.提供根底货币B.提供根底货币和创造派生存款C.创造派生存款D.创造派生货款16:一般情况下，个人成为工会会员的需求和他对成为工会会员所得到的净利益的预期的关系是( )。
银行笔试题目及答案
银行笔试题目及答案一、单项选择题1. 银行的三性原则不包括以下哪一项？A. 流动性B. 盈利性C. 稳定性D. 风险性答案：C2. 以下哪一项不是银行的主要业务？A. 存款业务B. 贷款业务C. 证券投资D. 保险业务答案：D3. 银行的资本充足率是指什么？A. 银行核心资本与风险加权资产的比率B. 银行总资产与核心资本的比率C. 银行总负债与核心资本的比率D. 银行总资产与总负债的比率答案：A4. 以下哪一项不是银行的风险管理工具？A. 信用风险管理B. 市场风险管理C. 操作风险管理D. 人力资源管理答案：D5. 银行的资产负债管理主要关注哪两个方面？A. 资产和负债的总量B. 资产和负债的期限结构C. 资产和负债的利率结构D. 资产和负债的地域分布答案：B二、多项选择题6. 银行的流动性管理包括哪些方面？A. 资金来源的稳定性B. 资金使用的效率C. 资产的流动性D. 负债的流动性答案：AC7. 银行的信用风险主要来源于哪些方面？A. 贷款违约B. 投资损失C. 操作失误D. 市场波动答案：A8. 银行的内部控制包括哪些要素？A. 内部环境B. 风险评估C. 控制活动D. 信息与沟通答案：ABCD9. 银行的合规管理主要涉及哪些方面？A. 法律法规B. 监管要求C. 内部政策D. 行业标准答案：ABCD10. 银行的财务报表主要包括哪些？A. 资产负债表B. 利润表C. 现金流量表D. 所有者权益变动表答案：ABCD三、判断题11. 银行的存款保险制度可以完全消除银行挤兑的风险。
（对/错）答案：错12. 银行的资本充足率越高，其风险承受能力越强。
（对/错）答案：对13. 银行的不良贷款率是指不良贷款占总贷款的比例。
（对/错）答案：对14. 银行的利率风险主要来自于市场利率的变动。
（对/错）答案：对15. 银行的流动性风险是指银行无法满足客户提款需求的风险。
（对/错）答案：对四、简答题16. 简述银行的信用风险管理的主要措施。
(汇丰银行求职招聘)Logical for S.H.L 2
Logical部分（二）Note:1.对于此种题目，我们推荐的做法是去比较图形之间的异同。
这样能较快找出规律。
2.比较图1和图2，可以看到是右下角框内图形有所变化，图2和图3是左下角框内图形发生变化，图3和图4是左上角发生变化。
我们可以推断出变化是顺时针进行变化，同时是出现新的图形。
3.答案锁定到A和E，我们认为答案A更好，因为A产生的是新图形，而E产生的是出现过的图形。
答案为A。
Note:1.我们观察到是标准的内缩法。
直接锁定答案。
答案为ENote:1.我们认为此题先看中间的四个箭头移动规律，根据图2、3、4发现移动频率应为每三次顺时针移动一格。
2.我们再来看到外围的箭头移动和中间的箭头存在某种指示关系，即箭头朝左时，外围箭头保持不动，箭头朝右时，外围箭头逆时针运动一格。
答案为D。
Note:1.此题我们认同的规律为黑方块在每一行的移动规律。
2.看到第一行，黑色是向右边移动，同时我们认为移动频率为每两次移动一格（从图2、3得出）。
3.第二行看到色子是向左移动，并且往复。
4.第三行看到色子是向右移动，同时我们认为是每三次向右边移动一格。
（从图2、3、4得出）答案为E。
Note:1.在前面tips中我们提到过，分别看/和 \ 的移动规律和频率，并且弄清楚是反弹还是贯穿。
2.此题可以看到/的移动规律是每两次移动一格，并且是贯穿式移动。
3.同时看到\的移动规律是每次移动一格，也是贯穿式移动。
答案为D。
Note:1.此题为典型的外扩型变化，直接锁定答案。
答案为D。
Note:1.此题还是两个元素的变化，找到变化的方向和频率即可。
2.可以看到圆形是每两次移动一个单位。
3.线段也是每两次移动一个单位。
答案为A。
Note:1.此题我们运用分组法。
我们认为图1、2、3的规律会延续到4、5、6.2.那么图4、5、6有相似的变化规律，我们可以看到线段变化的数量为2→3→4，且在左上角和右下角交替。
答案为A。
Note:1.找到两个变化元素的变化频率和方向。
银行岗位招聘笔试题及解答
招聘银行岗位笔试题及解答一、单项选择题（本大题有10小题，每小题2分，共20分）1、以下哪项不是银行员工职业道德的基本要求？A、诚实守信B、勤勉尽职C、公正廉洁D、追求利润最大化答案：D解析：追求利润最大化虽然是银行经营的目标之一，但它并不是银行员工职业道德的基本要求。
银行员工的职业道德要求包括诚实守信、勤勉尽职、公正廉洁等方面，旨在维护金融市场的稳定和客户利益。
因此，D选项不属于银行员工职业道德的基本要求。
2、银行客户经理在进行贷款调查时，以下哪种行为是违反职业道德的？A、对客户的贷款申请资料进行严格审查B、在客户不知情的情况下向其推荐产品C、向客户说明贷款产品的风险和收益D、在规定时间内完成贷款审批流程答案：B解析：在客户不知情的情况下向其推荐产品是违反职业道德的行为。
银行客户经理应当遵循诚实信用原则，充分尊重客户的知情权和选择权。
选项A表明客户经理对贷款申请资料进行严格审查，这是符合职业道德的行为；选项C表明客户经理向客户说明贷款产品的风险和收益，也是职业道德的要求；选项D则说明客户经理在规定时间内完成贷款审批流程，这也是其职责所在。
因此，B选项是违反职业道德的行为。
3、关于银行业务，以下哪项不属于银行的风险管理范畴？A、信用风险B、操作风险C、市场风险D、收益风险答案：D解析：在银行业务中，风险管理主要包括信用风险、操作风险和市场风险。
信用风险是指借款人或交易对方因各种原因未能履行合同而导致的损失；操作风险是指由于内部流程、人员、系统或外部事件等原因导致的直接或间接损失；市场风险是指由于市场价格波动而导致的损失。
收益风险并不是银行风险管理的范畴，因此D选项是正确答案。
4、以下哪个指标通常用来衡量银行的资本充足率？A、资本总额B、核心资本C、资本充足率D、贷款总额答案：C解析：资本充足率是衡量银行资本充足程度的关键指标，它表示为银行的核心资本与风险加权资产的比例。
A选项的资本总额包括了核心资本和附属资本，但不是衡量资本充足率的指标；B选项的核心资本是资本充足率计算的一部分，但不是衡量指标本身；D选项的贷款总额与资本充足率无直接关系。
HongkongBank汇丰银行笔试题-19页word资料
Hongkong Bank汇丰银行笔试题1．Please state why you chose to follow these activities and how they have contributed to your personal development．You may wish to give details of your role whether anyone else was involved and any difficulties you encountered．2．Please state how you have benefited from your work experience．3．How much is your present monthly salary including allowances．4．Do you need to compensate your present employer if you resign? If so, please give details．5．Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6．Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are．2019年光大银行笔试真题第一部分填空题共10题1、2019年奥运会的口号是：2、2019年提出新四化是：3、根据巴塞尔协议，商业银行资本充足率不能低于：4、本世纪前20年，我国的发展目标是：5、光大银行的愿景是：第二部分选择题包括商业银行、金融产品、会计知识、推理判断等等第三部分问答及案例题每题6分共4题1、毕业前，你们班想组织一次活动，促进班集体的关系，当作毕业前的美好回忆。
汇丰银行笔试中常见的面试题目
汇丰银行笔试中常见的面试题目2023年了，汇丰银行逐渐成为人们信任的金融机构之一。
无论是在招聘进程中，还是在面试过程中，几个常见的问题经常出现。
让我们来看看汇丰银行笔试中常见的面试题目。
问题1：请介绍一下你的背景和原因来应聘汇丰银行这是一个最常见问题，而且是让考官了解求职者的背景以及评估他们是否符合这份工作要求的方法。
所以考生要通过自我介绍，提供自己的优势和技能，并且展现自己的成长历程。
求职者需将自己的工作经验和专业技能结合起来，以证明他们拥有良好的背景，适合在汇丰银行工作。
问题2：请介绍你之前最有趣的项目和思考发现这个问题试图通过了解求职者最有趣或最有成就感的项目，了解他们的工作方式以及如何解决问题。
这样就可以了解到他们的创新性，团队精神和解决问题的方法。
因此考生需要很好的准备，在面试中通过讲述最有成就感的项目来传达自己的思考过程和想法。
问题3：您如何处理压力和紧张？汇丰银行很注重员工的心理健康和稳定，因此考官问到这个问题，主要想了解考生在压力和紧张的情况下，如何保持冷静和专注。
坦白地说，过高的压力和紧张感不仅会影响一个人的表现和判断力，还会影响问题的处理能力。
因此，考生应该以积极的态度回答这个问题，展示他们如何处理压力和情绪，以及如何控制自己的思维方式，以适应充满挑战的环境。
问题4：您能否根据情况而改变自己的计划？在银行工作中，很多时候需要改变计划，适应新的情况。
考官想问这个问题，主要是想了解考生是否有灵活性，如何处理不确定性和变化。
因此，求职者应该展示他们如何能够适应变化，在短时间内建立信任关系以及如何处理未知和新的情况。
问题5：请问您对财务行业的未来有什么期望和看法？在这个问题中，考官想了解求职者是否跟进行业发展，能否了解到行业的未来发展趋势。
因此，考生需要进行大量的调研和了解目前行业的发展趋势，以及自己在该领域的持续学习和创新性。
在这篇文章中，我们了解到五个汇丰银行笔试中常见的面试题目。
汇丰银行笔试题及答案
汇丰银行笔试题及答案数字推理1: 1，3，15，（c）A 46B 48C 255D 2562: 5 25 6 12 （a）A 8B 11C 37D 72理由是:5,先按平方升到25,然后回落到6(5+1),然后倍增到12,然后回落到8(6+2)3: 3 1 9 12 (c )A 5B 8C 14D 204: 8把144 张卡片平均分成若干盒，每盒在10 张到40 张之间，则共有（b）种不同的分法。
A 4 B 5 C 6 D 75.甲、乙、丙、丁、戊5 人各借了一本小说，约定读完后相互交换。
这5本书的厚度和他们的阅读速度都差不多，因此5 人总是同时换书。
数次交换后，5 人每人都读完了这5 本书。
现已知：（1）甲最后读的书是乙读的第二本书。
（2）丙最后读的书是乙读的第四本书。
（3）丙读的第二本书甲在一开始就读了。
（4）丁最后读的书是丙读的第三本书。
（5）乙读的第四本书是戊读的第三本书。
（6）丁第三次读的书是丙一开始读的那一本。
根据以上情况，你能说出丁第二次读的书是谁最先读的吗？（戊）6.红、蓝、黄、白、紫五种颜色的珠子各一颗，都用纸包着摆在桌上。
有甲、乙、丙、丁、戊五个人，猜纸包里的珠子的颜色，每人限猜两包。
甲猜：第二包是紫的，第三包是黄的。
乙猜：第二包是蓝的，第四包是红的。
丙猜：第一包是红的，第五包是白的。
丁猜：第三包是盘的，第四包是白的。
戊猜：第二包是黄的，第五包是紫的。
猜完后打开纸包一看，每人都猜对了一种，并且每包都有一个人猜对。
请你也猜一猜，他们各猜中哪一种颜色的珠子？（第一包是红的。
第二包是蓝的。
第三包是黄的。
第四包是白的。
第五包是紫的）7.住在某个旅馆的同一房间的四个人A ，B ，C ，D 正在听流行音乐，她们当中有一个人在修指甲，一个人在写信，一个人躺在床上，另一个人在看书。
（1）A 不在修指甲，也不在看书。
（2）B 不躺在床上，也不在修指甲。
（3）如果A 不躺在床上，那么D 不在修指甲。
银行岗位招聘笔试题及解答(某世界500强集团)2025年
2025年招聘银行岗位笔试题及解答(某世界500强集团)(答案在后面)一、单项选择题（本大题有10小题，每小题2分，共20分）1、以下哪项不属于银行风险管理的主要职能？（）A、风险识别B、风险评估C、风险控制D、风险投资2、在以下银行存款类型中，哪一种存款的流动性最高？（）A、定期存款B、活期存款C、零存整取D、整存零取3、某银行计划在未来五年内扩大其零售银行业务，预计每年新增零售客户数量将保持10%的增长率。
如果今年新增零售客户数量为5000人，则五年后预计的零售客户数量为：A. 8750人B. 11250人C. 15750人D. 20000人4、一家银行在2023年初发放了一笔总额为1000万元的三年期固定利率贷款，年利率为5%，按年复利计算。
如果银行要求贷款人每年支付利息，则三年后贷款人需要支付的利息总额为：A. 150万元B. 153万元C. 155万元D. 157.5万元5、某银行拟推出一款针对年轻人的储蓄产品，预计年化利率为4%，预计产品期限为3年。
若该产品采用固定利率计算方式，不考虑复利，客户存入10000元，则3年后客户可以获得的利息总额为（）元。
A. 1200B. 1300C. 1500D. 16006、银行在进行贷款风险评估时，通常会考虑以下哪些因素？（多选）A. 贷款人的信用历史B. 贷款人的收入水平C. 贷款项目的盈利能力D. 贷款担保物的价值7、某银行计划在未来三年内将网点数量翻倍，预计每年新增网点数量相同。
若初始网点数量为100家，则每年预计新增网点数量为多少家？A. 16.7家B. 25家C. 33.3家D. 50家8、某银行某季度总收入为1000万元，其中利息收入占60%，手续费收入占20%，其他收入占20%。
该季度银行支付给员工的薪酬为总收入的10%。
则该季度银行支付给员工的薪酬是多少万元？A. 100万元B. 200万元C. 100万元D. 50万元9、以下哪项不是银行内部控制的核心要素？A、风险评估B、合规性监督C、客户隐私保护D、资产安全性 10、在银行风险管理中，以下哪项属于市场风险？A、信用风险B、流动性风险C、市场利率波动风险D、操作风险二、多项选择题（本大题有10小题，每小题4分，共40分）1、以下哪些是银行风险管理中常见的风险类型？（）A. 信用风险B. 市场风险C. 操作风险D. 流动性风险E. 法律风险2、以下哪些是银行内部控制的构成要素？（）A. 风险评估B. 控制活动C. 信息与沟通D. 监督E. 人力资源政策3、以下哪些是银行风险管理中常用的内部控制系统？（）A、信贷审批流程B、内部控制审计C、员工背景调查D、业务连续性计划4、以下关于商业银行资本充足率的说法，正确的是？（）A、资本充足率是衡量银行资本充足程度的重要指标B、资本充足率低于8%的银行会被限制部分业务C、核心资本充足率要求高于总资本充足率要求D、资本充足率的计算不包含市场风险5、以下哪些行为属于银行内部员工职业道德规范的内容？（）A. 保守国家秘密和工作秘密B. 遵守法律法规和行业规定C. 公平公正处理业务D. 主动接受上级检查监督6、在银行风险管理中，以下哪些属于市场风险？（）A. 利率风险B. 汇率风险C. 股票价格风险D. 商品价格风险7、以下哪些是银行风险管理中常用的风险类型？A. 市场风险B. 信用风险C. 流动性风险D. 操作风险E. 法律风险8、以下关于银行贷款审批流程的说法，正确的是？A. 首先进行借款人信用评估B. 确定贷款额度及利率C. 与借款人签订贷款合同D. 贷款发放E. 贷款还款监控9、以下哪些是银行风险管理中属于非系统性风险的？（）A、市场风险B、信用风险C、操作风险D、流动性风险 10、以下哪些是银行资产负债管理的目标？（）A、保持资产质量B、提高盈利能力C、控制风险水平D、增强市场竞争力三、判断题（本大题有10小题，每小题2分，共20分）1、银行柜员在处理客户存款业务时，必须确保每笔存款的金额准确无误，即使客户口头告知金额，柜员也应立即按照口头告知的金额进行操作。
银行笔试试题及答案详解
银行笔试试题及答案详解一、单项选择题（每题1分，共10分）1. 以下哪项不是银行的基本职能？A. 存款B. 贷款C. 汇兑D. 制造货币答案：D2. 商业银行的三性原则不包括以下哪一项？A. 安全性B. 流动性C. 盈利性D. 稳定性答案：D3. 在银行业务中，以下哪项不是信贷风险管理的内容？A. 信用评级B. 贷款审批C. 存款保险D. 不良贷款的处置答案：C4. 银行的资产负债表中，哪一项属于资产？A. 客户存款B. 银行贷款C. 银行自有资本D. 银行利润答案：B5. 以下哪项不是银行进行市场风险管理的方法？A. 风险分散B. 风险对冲C. 风险转移D. 风险避免答案：D6. 银行的表外业务不包括以下哪项？A. 信用卡业务B. 信用证业务C. 金融期货交易D. 银行承兑汇票答案：A7. 以下哪项不是银行进行合规风险管理的措施？A. 加强员工培训B. 制定合规政策C. 提高存款利率D. 加强监督检查答案：C8. 银行的流动性风险主要来源于哪一方面？A. 资产质量B. 负债结构C. 利率变动D. 经济周期答案：B9. 以下哪项不是银行进行操作风险管理的措施？A. 完善内部控制B. 建立灾难恢复计划C. 提高贷款额度D. 进行风险评估答案：C10. 银行的信用风险主要来源于以下哪项？A. 客户信用状况B. 银行内部管理C. 市场利率变动D. 银行资本充足率答案：A二、多项选择题（每题2分，共10分）11. 银行在进行贷款业务时，需要考虑以下哪些因素？A. 客户的信用记录B. 贷款的利率C. 客户的还款能力D. 贷款的期限答案：A, B, C, D12. 以下哪些属于银行的负债？A. 客户存款B. 银行债券C. 银行自有资本D. 银行贷款答案：A, B13. 银行在进行外汇交易时，可能面临的风险包括以下哪些？A. 信用风险B. 汇率风险C. 利率风险D. 操作风险答案：B, C, D14. 以下哪些措施可以帮助银行提高资产质量？A. 加强贷前调查B. 严格执行贷款审批流程C. 提高存款利率吸引更多存款D. 加强贷后管理答案：A, B, D15. 银行进行市场推广时，以下哪些策略是有效的？A. 提供个性化服务B. 增加分支机构数量C. 提高服务质量D. 降低服务价格答案：A, B, C三、判断题（每题1分，共5分）16. 银行的资本充足率越高，其抵御风险的能力越强。
Hongkong Bank汇丰银行笔试题
Hongkong Bank汇丰银行笔试题1．Please state why you chose to follow these activities and how they have contributed to your personal development．You may wish to give details of your role whether anyone else was involved and any difficulties you encountered．2．Please state how you have benefited from your work experience．3．How much is your present monthly salary including allowances．4．Do you need to compensate your present employer if you resign? If so, please give details．5．Other than academic success, what has been your greatest achievement to date? What do you see as your personal strength, why?6．Please state why the position you have applied for is appropriate for you; Why you have selected HongKong Bank and what your career objectives are．2007年光大银行笔试真题第一部分填空题共10题1、2008年奥运会的口号是：2、2005年提出新四化是：3、根据巴塞尔协议，商业银行资本充足率不能低于：4、本世纪前20年，我国的发展目标是：5、光大银行的愿景是：第二部分选择题包括商业银行、金融产品、会计知识、推理判断等等第三部分问答及案例题每题6分共4题1、毕业前，你们班想组织一次活动，促进班集体的关系，当作毕业前的美好回忆。
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汇丰银行笔试题及答案数字推理1: 1，3，15，（c）A 46B 48C 255D 2562: 5 25 6 12 （a）A 8B 11C 37D 72理由是:5,先按平方升到25,然后回落到6(5+1),然后倍增到12,然后回落到8(6+2)3: 3 1 9 12 (c )A 5B 8C 14D 204: 8把144 张卡片平均分成若干盒，每盒在10 张到40 张之间，则共有（b）种不同的分法。
A 4 B 5 C 6 D 75.甲、乙、丙、丁、戊5 人各借了一本小说，约定读完后相互交换。
这5本书的厚度和他们的阅读速度都差不多，因此5 人总是同时换书。
数次交换后，5 人每人都读完了这5 本书。
现已知：（1）甲最后读的书是乙读的第二本书。
（2）丙最后读的书是乙读的第四本书。
（3）丙读的第二本书甲在一开始就读了。
（4）丁最后读的书是丙读的第三本书。
（5）乙读的第四本书是戊读的第三本书。
（6）丁第三次读的书是丙一开始读的那一本。
根据以上情况，你能说出丁第二次读的书是谁最先读的吗？（戊）6.红、蓝、黄、白、紫五种颜色的珠子各一颗，都用纸包着摆在桌上。
有甲、乙、丙、丁、戊五个人，猜纸包里的珠子的颜色，每人限猜两包。
甲猜：第二包是紫的，第三包是黄的。
乙猜：第二包是蓝的，第四包是红的。
丙猜：第一包是红的，第五包是白的。
丁猜：第三包是盘的，第四包是白的。
戊猜：第二包是黄的，第五包是紫的。
猜完后打开纸包一看，每人都猜对了一种，并且每包都有一个人猜对。
请你也猜一猜，他们各猜中哪一种颜色的珠子？（第一包是红的。
第二包是蓝的。
第三包是黄的。
第四包是白的。
第五包是紫的）7.住在某个旅馆的同一房间的四个人A ，B ，C ，D 正在听流行音乐，她们当中有一个人在修指甲，一个人在写信，一个人躺在床上，另一个人在看书。
（1）A 不在修指甲，也不在看书。
（2）B 不躺在床上，也不在修指甲。
（3）如果A 不躺在床上，那么D 不在修指甲。
（4）C 既不在看书，也不在修指甲。
（5）D 不在看书，也不躺在床上。
她们各自在做什么呢？（A躺在床上B在看书C在写信D在修指甲）附加题1.比较一下长三洲和珠三角洲的发展竞争优势以及展望未来。
答：不是很了解,各自都有优势,不知道如何讲.2.请说明为什么你所期望的位置适合你，为什么你选择汇丰银行以及你的事业目标是什么。
答：企业大,发展空间大.3.除了纯粹的成功以外，还有其它最大的成就么，你如何看待你的个人力量？为什么？答：人生经历,我有耐性,不达目的不罢休,忍性十足.只要努力就不后悔.4.如果你现在辞职是否需要给原雇主以补偿？如果需要，请详细说明。
答：不需要.5．27个小运动员在参加完比赛后，口渴难耐，去小店买饮料，饮料店搞促销，凭三个空瓶可以再换一瓶，他们最少买多少瓶饮料才能保证一人一瓶？答：19瓶（18空瓶换6瓶；6空瓶换2瓶；19＋6＋2＝27）6．在一个平面上画1999条直线最多能将这一平面划分成多少个部分？答：1999001（1.当k=1时，f(k)=2个区域2. 当k=n时，有f(n)个区域则当k=n+1时，有f(n+1)个区域，这条直线与以前所有的直线相交且不经过以前的任何交点，多出来n+1个区域，f(n+1)=f(n)）阅读回答1. Please tell us about an achievement that you are especially proud of because it was difficult or demanding.（1）What the objective was?（2）Why it is important to you?（3）How you achieved it and the obstacles that you had to overcome in order to do so?A：My nothing too leaves specially feels the arrogant matter Crosses isvery ordinary I believed diligently has the harvest The completelymanpower meets one~s fate with resignation2. What is your career plan? Three years after graduation, and five years after graduation?.A：The first year starts from the foundation, study work experience Thesecond year, causes oneself to be familiar with own to choose the workas soon as possible the flow Does is better The third year, promotesoneself3. Why are you interested in investment bank? What other industries do you also have interests?A：The development space is big Moreover now could not escape therelations in the society and the money The money is not multi-purposeBut does not have the money is not good I to the Internet, thecomputer all have the interest4. Why do you think you can be a qualified investment banker? How can you contribute in this industry?A：Myself honest code of honor, is the person steadfastly, is earnest tothe work5. He dressed and shaved, grinning at himself in the mirror. Very unhandsome, he said; where is my tie? (He hadbut one.) Coffee and a gray sky, Pacific Ocean fog, the drone of a passing street car, people going to thecity,time again, the day, prose and poetry. He moved swiftly down the stairs to the street and began to walk.第一、怎么理解“Coffee and a gray sky, Pacific Ocean fog, the drone of a passing street car, people going to thecity, time again, the day, prose and poetry.”这个句子的作用？这个句子是在描写心理活动吗？A：Plays role which contrasts Moreover also may cause the person to seecharacter~s moodThis sentence is describes the psychological activity第二、prose and poetry表达了什么？A：Happy mood汇丰银行笔试参考资料一-1:1998年起中国人民银行对国有商业银行实行资产负债比例管理和( )。
A.贷款限额管理B.利率管理C.风险管理D.准备金管理2:造成建筑物经济性贬值的核心原因是( )。
A.利用率下降B.部分闲置C.实际收益下降D.客观收益下降3:预计某资产的年收益额为23万元，剩余可使用年限为7年，折现率为10％，该资产的评估价值接近A.112万元B.161万元C.83万元D.121万元4:具有自动清偿性质的贷款是A.短期流动资金贷款B.营运资本贷款C.消费贷款D.定期贷款5:在外汇买卖后，所持头寸因汇率升降而出现损失的可能性，是商业银行汇率风险中的A.交易结算风险B.买卖风险C.汇价风险D.存货风险6:国际金融市场融资利率采取的参考利率是A.东京同业拆借利率B.纽约同业拆借利率C.香港同业拆借利率D.伦敦同业拆借利率7:（）是中央银行组织和调节货币流通的出发点和归宿点。
A.货币政策目标B.货币政策C.经济增长D.物价稳定8:导致银行贷款出现呆坏账问题的最主要风险是A.信用风险B.流动性风险C.利率风险D.竞争风险9:日本采用的操作目标是( )。
A.长期利率B.银行同业拆借利率C.贷款量D.货币供应量10:中央银行窗口指导的目的是保持A.商业银行的流动性B.商业银行的安全性C.信贷总量的适度增长D.商业银行的赢利性11:某项在用低值易耗品，帐面值为350元，已使用4个月，预计还可使用半年，该低值易耗品的现行市价为1200元，则该在用低值易耗品的评估值为A.350元B.600元C.720元D.1200元12:金融监管最根本的目标是A.保障金融体系的安全B.保障金融业公平竞争C.提高金融业的效率D.保护公众利益13:从理论上讲，无风险报酬率是受( )影响的。
A.资金的使用成本B.资金的投资成本C.资金的取得成本D.资金的机会成本14:筑物的价格指数法一般不宜对( )进行评估。
A.大型、价高的建筑物B.结构简单的建筑物C.成本资料比较完备的建筑物D.运用其他方法评估较为困难的建筑物15:采用价格指数调整法评估进口设备所适用的价格指数是( )。
A.设备进口国零售商品价格指数B.设备出口国零售商品价格指数C.设备出口国综合价格指数D.设备出口国分类价格指数16:下列中央银行中，属于单一式中央银行制度的有( )。
A.中国人民银行B.欧洲中央银行C.美国联邦储备体系D.汇丰银行17:某混合结构3层楼房，经评估人员现场打分，结构部分为75分，装修部分为80分，设备部分为60分。
修正系数分别为G=0.6，S=0.2，B=0.2，则该楼房成新率为( )。
A.74%B.73%C.72%D.75%18:我国现行税制中最大的税种是A.个人所得税B.营业税C.增值税D.企业所得税19:一般说来各国中央银行对发生流动性困难的商业银行A.会进行紧急救助B.一般不管C.会进行指导D.停业整顿20:采用间接标价法的国家有A.中国B.德国C.日本D.美国简答题21:名词解释：信托财产22:某人以90元的市价购入一张面额为100元的5年期国库券，计算国库券收益率是多少?(4分)23:某企业转让浮法玻璃生产技术，经搜集和初步测算已知如下资料：该企业与技术购买方共同使用该生产技术，双方的设计生产能力分别为700和300万标箱；该技术的开发研制成本为200万元，已经使用两年，尚可以使用6年，两年的通货膨胀率累计为6%；该技术使用权转让后，由于失去了现有及潜在的全部或部分产品销售市场即盈利机会，而可能造成的年经济损失现值为60万元。