中国工商银行招聘考试2011全新试题(完整版)

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中国工商银行招聘考试全新试题及答案(全部答案)

中国工商银行招聘考试全新试题（精华版）一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.9%B.7.43%C.10.8%D.9.89%9.假定某储户2004年8月1日存入定活两便储蓄存款5000元，于2004年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（）。

A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（）。

A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.市场利率B.优惠利率C.固定利率D.实际利率12.某银行2004年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在2005年5月20日还贷款时应付利息为（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

A.汽车金融公司B.汽车集团公司C.汽车股份公司D.金融投资公司14.投资基金是由若干法人发起设立，以（）的方式募集资金A.发行受益凭证B.发行金融债券C.组织存款D.发行股票15.中央银行发行货币、集中存款准备金属于其（）。

2011年中国工商银行校园招聘完整试题真题及答案解析

2011年中国工商银行校园招聘完整试题真题及答案解析考试时间：180分钟第一部分英语能力测试考试时间：70分钟该部分托业考试，直接委托托业官方机构出题，由于为国外机构，对知识版权和保密要求高，考试结束后即收回题目，因此无法取得原题。

该部分英语一共100题：40道填入选择题，20道纠错题，40道阅读题。

难度不高，涉及语法，固定搭配，词义。

阅读可以直接从文章中找到答案，文章很短。

建议参阅我们的豪华完整版的英语部分进行复习，里面包含大量托业词汇和试题。

第二部分综合知识测试考试时间：35分钟1. 在不兑现的信用货币制度下，货币发行权主要集中于（）。

A.中央银行B.贸易部门C.财政部门D.投资银行2. 公司公开发行股票筹集资金是采用的信用形式为（）。

A.银行信用B.商业信用C.国家信用D.消费信用3. 在金融市场上，金融产品价格的波动使一部分人的收入增加，另一部分人的收入减少，这体现了金融市场的（）功能。

A.反映B.配置C.补偿D.聚敛4. 甲向乙借10万元钱，双方约定年利率为5%，按复利方式计息，2年后归还，届时甲应向乙支付利息（）元。

A.10000B.10250C.10500D.107505. 主要供应短期资金，解决短期内资金余缺的市场是（）。

A.货币市场B.资本市场C.股票市场D.债券市场6. 布雷顿森林体系所实行的汇率制度属于（）。

A.自发的可调整的固定汇率制B.人为的不可调整的固定汇率制C.自发的不可调整的固定汇率制D.认为的可调整的固定汇率制7. 人民币汇率使用的标价方法是（）。

A.直接标价法B.间接标价法C.美元标价法D.点数标价法8. 金本位制度下的汇率制度属于（）。

A.自发的固定汇率制B.认为的不可调整的固定汇率制C.自发的浮动汇率制D.认为的可调整的固定汇率制9．（），我国加入世界贸易组织的过渡期结束，我国银行业正式全面对外开放。

A．2008年8月8日 B．2006年12月11日 c．2000年1月1日 D.1994年1月1日10．中国银监会确定的“管法人”的监管理念，其核心含义是（）oA．重点管好“一把手” B．通过法人实施对整个系统的风险控制C．管好总行机关 D．做好法定代理人的资格审查工作11．开证银行授权代付行向受益人预付信用证金额的全部或一部分，由开证行保证偿还并负担利息的信用证为（）。

中国工商银行招聘考试全新试题及答案(全部答案)

中国工商银行招聘考试全新试题及答案(全部答案)中国工商银行招聘考试全新试题（精华版）一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.9%B.7.43%C.10.8%D.9.89%9.假定某储户20XX年8月1日存入定活两便储蓄存款5000元，于20XX年10月1日支取，如果支取日整存整取定期储蓄存款一年期利率为2.25%，活期储蓄利率为1.85%，银行应付利息为（）。

A.225元B.135元C.22.50元D.18.50元A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.市场利率B.优惠利率C.固定利率D.实际利率12.某银行20XX年5月20日向某公司发放贷款100万，贷款期限为一年，假定利率为4.5%.该公司在20XX年5月20日还贷款时应付利息为（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

银行系统公开招聘考试英语(工商银行)真题2011年

2011年中国工商银行公开招聘工作人员考试试题第一部分英语PART Ⅰ: INCOMPLETE SENTENCESDirections:This part of the test has incomplete sentences. Four words or phrases, marked (A), (B), (C), (D), are given beneath each sentence. You are to choose the one word or phrase that best completes the sentence. Then, on your answer sheet, find the number of the question and mark your answer.1. Food products containing chocolate are subject to a ______ of up to 35 percent when imported to Japan.A. testB. tariffC. souvenirD. shipment2. The Hinman University Math Team ______ in the 27th annual International Collegiate Math Olympics.A. participateB. participantC. participatedD. participative3. Mr. Voorhies planned to send the dresser and bed that ______ purchased in Bali to the Netherlands.A. heB. hisC. himD. himself4. Actress Lisa Ross--Ellis filed a lawsuit against The Entertainment Files magazine over false ______ made in their November issue.A. accuseB. accusativeC. accusationsD. accusatory5. Although subway fare was cheaper, Danielle chose to take ataxi to the concert hall ______ she would not be late.A. soB. orC. butD. and6. According to the travel Web site, many travelers ______ staying at the Reliant Hotel in Hanoi.A. testifyB. concludeC. recommendD. disappoint7. Students taking the entrance exam are required to providetheir student ______ number.A. identifyB. identifiableC. identifiablyD. identification8. ______ to use crutches for six months severely limited Mr. Locke's ability to work in the shipping facility.A. HasB. HaveC. HavingD. Has had9. I've been waiting for him for ______ hour and ______ half.A. ×; ×B. the; aC. a; ×D. an; a10. Who draw ______ Jack?A. so well asB. as well asC. so better thanD. as good as11. It is on October 1,2009 that the People's Republic of China______ its 60th birthday.A. congratulatedB. keptC. remainedD. celebrated12. --Is ______ here?--No, Bob is ill at home.A. anybodyB. somebodyC. everybodyD. nobody13. With proper measures, the economy in China is beginning to______ again.A. rise upB. hold onC. pick upD. take on14. This skirt was made ______ your mother ______ her own measure.A. for; toB. for; forC. to; toD. for; by15. ______ alone in the dark room, the little girl was so frightened as to cry loudly.A. LeavingB. LeftC. Having leftD. To be left16. The girl likes ______ and ______.A. tomatos, chickenB. tomatoes, chickensC. tomatoes, chickenD. tomato, chickens17. He wrote a lot of novels, none of ______ was translated into foreign languages.A. themB. whereC. thatD. which18. To our surprise, the stranger ______ to be an old friend ofmy mother's.A. turned outB. turned upC. set outD. set up19. I met several people there, two of ______ being foreigners.A. whomB. themC. whoD. which20. When I came back, I found my bicycle was ______.A. missedB. losingC. robbedD. gone21. ______ new buildings will be built in my hometown.A. A great deals ofB. A lots ofC. A plenty ofD. A great number of22. --Do you mind if I ______ the TV a bit?--Yes, I do, because I'm busy with my homework now.A. turn onB. turn upC. turn downD. turn off23. Tom's mother always told him not to smoke again, but ______ didn't help.A. heB. itC. whichD. as24. --How about your trip to Hainan?--It couldn't have been ______. Sometimes I went swimming in the sea; sometimes I lay on the sand.A. so wellB. as badC. betterD. worse25. --I'm going on a trip to Hainan after the exam.--Really? ______!A. Have a nice timeB. CongratulationsC. OKD. It's nice of you26. ______ matters most in learning English is enough practice.A. WhatB. WhyC. WhereD. Which27. --It's $500, but that is my last offer.--OK, it is a ______.A. costB. priceC. rewardD. deal28. The reason ______ I have to go is ______ my mother is ill in bed.A. why; whyB. why; becauseC. why; thatD. that; because29. A good storyteller must be able to hold his listeners' curiosity ______ he reaches the end of the story.A. whenB. unlessC. afterD. until30. ______ did we go swimming in the Changjiang River.A. OnlyB. OnceC. SeldomD. When31. What ______ you do this Sunday if it ______?A. do, will rainB. will, rainC. do, rainsD. will, rains32. I wish it ______ fine tomorrow.A. would beB. will beC. isD. to being33. All the girls swam in the lake except two, who ______ halfway.A. gave offB. gave upC. gave awayD. gave out34. --Can I get the house cheaper?--Sorry, it's ______ my power to sell it any cheaper.A. withoutB. exceptC. beyondD. out35. Many people believe we are heading for an environmental disaster (灾难) ______ we radically (根本地) change the way we live.A. butB. thoughC. unlessD. in case36. How much did you ______ fixing the TV?A. pay offB. pay backC. pay forD. pay down37. Both teams were in hard training; ______ was willing to lose the game.A. eitherB. neitherC. anotherD. the other38. --I wonder why Mary is so unfriendly to us.--She is ______ than unfriendly, I'm afraid.A. shyerB. much shyerC. shy moreD. more shy39. --Can I use the car now?--Sorry, but it ______.A. will repairB. has repairedC. is still being repairedD. was repaired40. She ______ a novel last month but I don't know whether she has finished it.A. was translatingB. translatedC. had translatedD. has translatedPA RT Ⅱ: ERROR RECOGNITIONDirections: In this part of the test, each sentence has four words or phrases underlined. The four underlined parts of the sentence are marked (A), (B), (C), (D). You are to identify the one underlined word or phrase that should be corrected or rewritten. Then, on your answer sheet, find the number of the question and mark your answer.41. The ship changed its course because of there was a storm.A. changedB. courseC. ofD. a42. There are much many more people than I expected.A. ThereB. muchC. manyD. than43. We drove over the forest and got to the farm.A. droveB. overC. gotD. to44. People in different parts of the world learn to understand one with another.A. differentB. ofC. learnD. with45. He kept in touch to his old friends.A. keptB. inC. touchD. to46. Why did you get up so early in this morning.A. WhyB. getC. soD. in47. She called on the workers to fight against their rights.A. calledB. onC. toD. against48. Can you tell the difference among A and B?A. tellB. theC. differenceD. among49. To know what is good and doing what is right are twodifferent things.A. andB. doingC. areD. different50. Miss Green saw the robbery and she reported it to the police.A. robberyB. sheC. itD. to51. He would rather stay at home than to go out with you.A. would ratherB. thanC. toD. with52. There stands two factories on the river.A. ThereB. standsC. factoriesD. on53. Every boy and every girl knows that each day and each hour brings their duty.A. andB. knowsC. bringsD. their54. These girls didn't like to visit Chicago, and they had to go.A. toB. visitC. andD. had55. The teacher told the pupils to stand in a row and not call out loudly.A. toB. inC. andD. call out56. Don't do any more work now, you look so tiring.A. anyB. moreC. lookD. tiring57. Here is somebody whom you want to see him.A. somebodyB. whomC. seeD. him58. Since he was busy, so he didn't come.A. SinceB. wasC. soD. didn't59. Hangzhou is famous as its beautiful scenery.A. isB. asC. itsD. scenery60. Sports and games are very useful to character--training.A. andB. areC. usefulD. toPART Ⅲ: READING COMPREHENSIONDirections: The questions in this part of the test are based on a selection of reading materials, such as notices, letters, forms, newspaper and magazine articles, and advertisements. You are to choose the one best answer, (A), (B), (C), or (D), to each question. Then, on your answer sheet, find the number of the question and mark your answer. Answer all questions following each reading selection on the basis of what is stated or implied in that selection.AFrom the health point of view we are living in a marvelous age. We are immunized from birth against many of the most dangerous diseases. A large number of once fatal illnesses can now be cured by modern drugs and surgery. It is almost certain that one day remedies will be found for the most stubborn remaining diseases. The expectation of life has increased enormously. But though the possibility of living a long and happy life is greater than ever before, every day we witness the incredible slaughter of men, women and children on the roads. Man versus the motor car! It is a never-ending battle which man is losing. Thousands of people over the world are killed or horribly killed each year and we are quietly sitting back and letting it happen.It has been rightly said that when a man is sitting behind a steering wheel, his car becomes the extension of his personality. There is no doubt that the motor car often brings out a man's very worst qualities. People who are normally quiet and pleasant may become unrecognizable when they are behind a steering-wheel. They swear, they are ill-mannered and aggressive, willful as two-year-old and utterly selfish. Ai1 their hidden frustrations, disappointments and jealousies seem to be brought to the surface by the act of driving.The surprising thing is that society smiles so benignly on the motorist and seems to condone his behaviour. Everything is done for his convenience. Cities are allowed to become almost uninhabitable because of heavy traffic; towns are made ugly by huge car parks; the countryside is desecrated by road networks; and the mass annual slaughter becomes nothing more than a statistic, to be conveniently forgotten.It is high time a world code were created to reduce this senseless waste of human life. With regard to driving, the laws of some countries are notoriously lax and even the strictest are not strict enough. A code which was universally accepted could only have a dramatically beneficial effect on the accident rate. Here are a few examples of some of the things that might be done. The driving test should be standardized and made far more difficult than it is; all the drivers should be made to take a test every three years or so; the age at which young people are allowed to drive any vehicle should be raised to at least 21; all vehicles should be put throughstringent annual tests for safety. Even the smallest amount of alcohol in the blood can impair a person's driving ability. Present drinking and driving laws (where they exist) should be mad much stricter. Maximum and minimum speed limits should be imposed on all roads. Governments should lay down safety specifications for manufacturers, as has been done in the USA. All advertising stressing power and performance should be banned. These measures may sound inordinately harsh. But surely nothing should be considered as severe if it results in reducing the annual toll of human life. After all, the world is for human beings, not motor cars.61. The main idea of this passage is that ______.A. traffic accidents are mainly caused by motoristsB. thousands of people over the world are killed each yearC. the laws of some countries about driving are too laxD. only stricter traffic laws can prevent accidents62. What does the author think of society toward motorists?A. Society smiles on the motorists.B. Huge car parks are built in cities and towns.C. Victims of accidents are nothing.D. Society condones their rude driving.63. Why does the author say that his car becomes the extension of his personality?A. Driving can show his real self.B. Driving can show the other part of his personality.C. Driving can bring out his character.D. His car embodies his temper.64. Which of the following is NOT mentioned as a way againsttraffic accidents?A. Build more highways.B. Conduct stricter driving tests.C. Test drivers every three years.D. Raise the age limit and lay down safety specifications.65. The attitude of the author is ______.A. ironicalB. criticalC. appealingD. militantBRanch. It was near Los Angeles in California. A few years later Hollywood was one of the famous places in the world. At the beginning of the 20th century there was a big farm called Hollywood. From the 1910's to the 1950's, Hollywood was the film center of the world.Every family knew the names of its film stars — Charlie Chaplin, Greta Garbo, Bergman and hundreds more.The reason why people went to Hollywood to make films was the sun. At first, people made films in New York on the east coast of the United States.But then they heard about Los Angeles, where there are 350 daysof the sun every year. As they made all the films by sunlight, the west coast was a much better place to work. Also near Hollywood you can find mountains and sea and desert. They did not have to travelfar to make any kind of film.When TV became popular, Hollywood started making films for television. Then in the 1970's they discovered people still went to the cinema to see big expensive films. Nowadays they are still making films in Hollywood and people see them all over the world.66. Hollywood used to be a ______.A. cinemaB. big farmC. parkD. market67. In the 1910's Hollywood became a ______.A. famous theatreB. good place to have holidaysC. film centerD. home for stars68. Who was not mentioned (提到) as a film star in the passage______.A. Charlie ChaplinB. Marily MonroeC. BergmanD. Greta Garbo69. People went to Hollywood to make films because ______.A. it was a beautiful placeB. they could find many film starsC. there was a lot of sunlight thereD. it was a famous place70. Which statement (说法) is true?A. The west coast was a better place to make films.B. There are no mountains near Hollywood.C. People no longer went to the cinema after television became popular.D. Hollywood began to make films for television after the First World War.CThe law says that women should have the chance of doing the same jobs as men and earn the same as them.The reality is very different. Women lose because, 25 years after the Equal Pay Act, many of them still get paid less than men.They lose because they do lower-paid jobs which men just won't consider. And they lose because they are the ones who interrupt a career to have children.All this is reported in an independent study ordered by the Government's Women's Unite.The biggest problem isn't equal pay in workplaces such as factories. It is a sort of work women do.Make a list of the low-paid jobs, then consider who does them.Try nurses, secretaries, cleaners, clerks, teachers in primary schools, dinner ladies, and child care helpers. Not a lot of men among that group, are there?Yet some of those jobs are really important. Surely no one would deny that about nurses and teachers, for a start.So why do we reward the people who do them so poorly? There can be only one answer —— because they are women.This is not going to be put right overnight. But the Government which employs a lot of them, and other bosses have to make a start.It is disgraceful (可耻的) that we have gone into the 21st Century but still treat women as second-class citizens.71. Women should have the chance of doing the same jobs and be paid equally as men ______.A. after 25 yearsB. according to the lawC. as a result of the Equal Pay ActD. because women are as strong as men72. We can learn from the text what the problem really matters is ______.A. that women interrupt a career to have childrenB. what sort of work women doC. because they are womenD. what an unfair pay women get in workplaces73. Which of the following best describes the writer's idea?A. Women should get equal pay for equal work to that of men.B. Women should strengthen (加强) themselves.C. The Government ought to protect women against getting paid less than men.D. Some of the jobs that women do are of great importance.74. When the writer says, "This is not going to be put right overnight", he means ______.A. we must solve the problem very quicklyB. there is no completely fair thing all over the worldC. we need a long time to change the unfair realityD. the problem that women lose will be solved soon75. Which do you think would be the best title for this passage?A. Work to give women a fair pay dealB. Time to change the situationC. Equal work, equal payD. Should women be treated as second-class citizensDAdvertisers tend to think big and perhaps this is why they're always coming in for criticism. Their critics seem to resent them because they have a flair for self-promotion and because they have so much money to throw around. "It's iniquitous," they say, "that this entirely unproductive industry (if we can call it that) should absorb millions of pounds each year. It only goes to show how much profit the big companies are making. Why don't they stop advertising and reduce the price of their goods? After all, it's the consumer who pays... "The poor old consumer! He'd have to pay a great deal more if advertising didn't create mass markets for products. It is precisely because of the heavy advertising that consumer goods are so cheap. But we get the wrong idea if we think the only purpose of advertising is to sell goods. Another equally important function is to inform. A great deal of the knowledge we have about household goods derives largely from the advertisements we read. Advertisements introduce usto new products or remind us of the existence of the ones we already know about. Supposing you wanted to buy a washing machine, it is more than likely you would obtain details regarding performance, price, etc, from an advertisement.Lots of people pretend that they never read advertisements, but this claim may be seriously doubted. It is hardly possible not toread advertisements these days. And what fun they often are, too!Just think what a railway station or a newspaper would be likewithout advertisements. Would you enjoy gazing at a blank wall or reading railway by laws while waiting for a train? Would you like to read only closely printed columns of news in your daily paper? A cheerful, witty advertisement makes such a difference to a drab wallor a newspaper full of the daily ration of calamities.We must not forget, either, that advertising makes a positive contribution to our pockets. Newspapers, commercial radio and television companies could not subsist without this source of revenue. The fact that we pay so little for our daily paper, or can enjoy so many broadcast programs is due entirely to the money spent by advertisers. Just think what a newspaper would cost if we had to pay its full price!Another thing we mustn't forget is the "small ads. " which are in virtually every newspaper and magazine. What a tremendously useful service they perform for the community! Just about anything can be accomplished through these columns. For instance, you can find a job, buy or sell a house, announce a birth, marriage or death in what used to be called the "hatch, match and dispatch" column but by far the most fascinating section is the personal or "agony" column. No other item in a newspaper provides such entertaining reading or offers such a deep insight into human nature. It's the best advertisement for advertising there is!76. What is the main idea of this passage?A. AdvertisementB. The benefits of advertisementC. Advertisers perform a useful service to communitiesD. The costs of advertisement77. The attitude of the author toward advertisers is ______.A. appreciativeB. trustworthyC. criticalD. dissatisfactory78. Why do the critics criticize advertisers?A. Because advertisers often bragB. Because critics think advertisement is a "waste of money"C. Because customers are encouraged to buy more than necessaryD. Because customers pay more79. Which of the following is Not True?A. Advertisement makes contribution to our pockets and we may know everythingB. We can buy what we wantC. Products of good quality don't need to be advertisedD. Advertisement makes our life colorful80. The passage is ______.A. narrationB. descriptionC. criticismD. argumentationEThe establishment of the Third Reich influenced events in American history by starting a chain of events which culminated inwar between Germany and the United States. The complete destructionof democracy, the persecution of Jews, the war on religion, thecruelty and barbarism of the Nazis, and especially the plans of Germany and her allies, Italy and Japan, for world conquest caused great indignation in this country and brought on fear of anotherworld war. While speaking out against Hitler's atrocities, the American people generally favored isolationist policies andneutrality. The Neutrality Acts of 1935 and 1936 prohibited tradewith any belligerents or loans to them. In 1937, the President was empowered to declare an arms embargo in wars between nations at his discretion.American opinion began to change somewhat after President Roosevelt's "quarantine the aggressor" speech at Chicago (1937) in which he severely criticized Hitler's policies. Germany's seizure of Austria and the Munich Pact for the partition of Czechoslovakia (1938) also aroused the American people. The conquest of Czechoslovakia in March, 1939, was another rude awakening to the menace of the Third Reich. In August,1939, came the shock of the Nazi-Soviet Pact and in September the attack on Poland and the outbreak of European war. The United States attempted to maintain neutrality in spite of sympathyfor the democracies arrayed against the Third Reich. The Neutrality Act of 1939 repealed the arms embargo and permitted "cash and carry" exports of arms to belligerent nations. A strong national defense program was begun. A draft act was passed (1940) to strengthen the military services. A Lend Act (1941) authorized the President to sell, exchange, or lend materials to any country deemed necessary by himfor the defense of the United States. Help was given to Britain by exchanging certain overage destroyers for the right to establish American bases in British territory in the Western Hemisphere. In August, 1940, President Roosevelt and Prime Minister Churchill metand issued the Atlantic Charter, which proclaimed the kind of a world which should be established after the war. In December, 1941, Japanlaunched the unprovoked attack on the United States at Pearl Harbor. Immediately thereafter, Germany declared war on the United States.81. One item occurring before 1937 that the author does not mention in his list of actions that alienated the American public was ______.A. the burning of the ReichstagB. German plans for world conquestC. Nazi barbarismD. the persecution of religious groups82. The Lend-Lease Act was designed to ______.A. help the BritishB. strengthen the national defense of the United StatesC. promote the Atlantic CharterD. avenge Pearl Harbor83. The American Policy during the years 1935--1936 may be described as being ______.A. watchfulB. isolationistC. peacefulD. indifferent84. The Neutrality Act of 1939 ______.A. permitted the selling of arms to belligerent nationsB. antagonized JapanC. permitted the British to trade only with the AlliesD. led to the Lend-Lease Act85. The United States entered the war against Germany ______.A. because Germany declared warB. because Japan was an ally of GermanyC. after Germany had signed the Nazi-Soviet PactD. after peaceful efforts had failedFWhen I opened the first "Body Shop" in 1976, what I wanted to do was to earn (挣) enough money to feed my children. Today the "Body Shop" is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what you really believe in.It's not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my family and to feel excited by something unusual. I have always wanted the people who work for the "Body Shop" to feel the same way.Now this book sends these ideas out into the world, and makesthem public. I'd like to think there are no limits (界限) to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.86. What is the writer's main purpose (目的) in writing this text?A. To tell the reader her life story.B. To tell people how she brought up her children.C. To let people know how rich she was.D. To introduce her ideas to the reader.87. What would someone learn from this text?A. How to make a lot of money.B. How to write a book about business.C. What the book is about.D. What the writer's family is like.88. How does the writer feel about the business she runs?A. It's the biggest company in the world.B. It will possibly be more successful.C. It's one of the most successful businesses.D. It is the only company that is growing all around the world.89. What kind of workers does the writer like to employ (雇佣)?A. Those who have the same ideas as she does.B. Those who get on well with the public.C. Those who can sell her books around the world.D. Those who have big families and new ideas.90. What kind of person does the writer seem to be?A. She is mainly interested in making money.B. She thinks running a business a different job.C. She seems to be successful but unhappy.D. She seems to be someone with strong confidence.GPresident Arling has put his long-awaited economic restructuring program before the Congress. It provides a coordinated program of investment credits, research grants, educational reforms, and tax changes designed to make American industry more competitive. This is necessary to reverse the economic slide into unemployment, lack of growth, and trade deficits that have plagued the economy for the past six years.The most liberal wing of the President's party has called for stronger and more direct action. They want an incomes policy to check inflation while Federal financing helps rebuild industry behind awall of protective tariffs.The Republicans, however, decry even the modest, graduated tax increases in the President's program. They Want tax cuts and a more。

2011年湖北工商银行招聘笔试真题(含答案)

第一部分常识判断(共25题，参考时限10分钟)本部分考查内容涉及法律、政治、经济、管理、科技等基础性知识，请根据题目要求，在四个选项中选出一个正确答案。

请开始答题：1、小学生王某，8岁，代表学校参与中外少儿书画大赛获一等奖，奖金5000元，对此下列说法正确的是( )A、奖金由学校和王某各得一半B、学校获得全部奖金C、王某须经其监护人同意才可获得此奖金D、王某无须经其监护人同意即可获得此奖金2、李某为给病危的父亲治病急需用款5万元，王某表示愿意借给，但一年后须加倍偿还，否则须以其三居室住房(价值20万元)代偿，李某表示同意，此行为属于( )A、无效民事行为B、效力待定的民事行为C、可变更与可撤销的民事行为D、乘人之危的无效民事行为3、关于公务员回避，下列说法错误的是()A、公务员之间有夫妻关系，不得在同机关担任隶属于同一领导人的职务B、甲原系领导成员的公务员，在离职三年内他从事与原工作业务直接相关的营利性活动，可由其原所在机关的同级公务员主管部门没收该人员从业期间的违法所得C、公务员担任县级机关及其有关部门主要领导职务，应实行地域回避，D、公务员执行公务时涉及本人利害关系的应当回避4、下列关于公司的表述，正确的是()A、子公司不具有法人资格B、分公司具有独立承担民事责任的资格C、一个自然人只能投资设立一个一人有限责任公司D、一人有限责任公司的注册资本最低限额为人民币十万元。

股东可分次足额缴纳公司章程规定的出资额。

5、根据我国法规定，下列合同中，债务人不履行债务的，债权人享有留置权的是( )A、买卖合同B、租赁合同C、借款合同D、承揽合同6、用人单位可以解除劳动合同的情况是( )A、劳动者在试用期间被证明不符合录用条件的B、劳动者患病或负伤，在规定的医疗期内C、女职工在孕期、产期、哺乳期的D、劳动者患职业病并被确认丧失劳动能力的7、下列关于公务员纪律的说法中，错误的是( )。

A、对违纪的公务员的处分可以有警告、记过、记大过、降级、撤职和开除等形式B、对公务员的处分决定应以书面形式通知公务员本人C、公务员的违纪行为严重的，可能构成刑事犯罪D、公务员虽然不能从事经商、办企业以及参与其他营利性的经营活动，但可以在企业和营利性事业单位兼任职务8、赵某在一居民楼下正常行走，三楼李某家阳台上的花盆因没放好坠落下来，正砸在赵某的头上，致其受伤，共支付医疗费1000元，赵某诉至法院要求李某赔偿。

2011年工商银行山东分行招聘柜员类笔试试题含答案

2011年工商银行山东分行招聘柜员类笔试试题含答案第一部分：专业能力测试题一、单项选择题1.利用市场不完全条件下有内在联系的金融工具之间的价格背离来获取利润的金融技术，称之为（）。

A.金融期货B.金融期权C.掉期D.套利答案：D2.法定存款准备金应该等于（）。

A.存款准备金率×存款总额B.存款准备金率×法定存款总额C.法定存款准备金率×存款总额D.法定存款准备金率×原始存款总额答案：C3.商业银行核心资本充足率应在（）以上，才符合监管要求。

A.8%B.10%C.50%D.4%答案：D4.商业银行经营的核心目标是（）。

A.保证安全B.持续发展C.追求盈利D.稳健经营答案：C5.随着我国经济金融的发展，贷款总规模和货币供应量两者的关系是（）。

A.不相关B.负相关C.相关性增强D.相关性减弱答案：D6.在金融租赁活动中，一种适合于资产流动性差的企业进行紧急融资的方式是（）。

A.杠杆租赁B.直接租赁C.回租租赁D.转租赁答案：C7.“过去的交易、事项形成并由企业拥有或控制的资源，该资源预期会给企业带来经济利益”。

这是指会计核算要素中的（）。

A.资产B.所有者权益C.收入D.利润答案：A8.货D.法定存款准备金率×原始存款总额币乘数等于（）。

A.货币需求量×基础货币B.货币供给量×基础货币C.货币需求量÷基础货币D.货币供给量÷基础货币答案：D9.现有一张无偿还期债券，其市场价格为20 ，永久年金为5元时，该债券的年内在回报率为（）。

C.20％D.25％答案：D10.若投资者持面额相同、票面收益率相同、到期限相同的AB两种债券，其市场价格相同，但预计A债券的到期收益率会高于B债券，这时投资者应该（）。

A.卖出A债券，买入B债券B.买入A债券，卖出B债券C.采取价格交换投资法D.采取收益净增交换投资法答案：B11.反映商业银行一定时期内资产、负债和所有者权益各项目增减变化的报表是（）。

2011工商银行校园招聘笔试真题(上)

2011工商银行校园招聘笔试真题(上)-回忆版上海金融人考试网（/）制作第一部分言语理解与表达1. 澄江化石群还揭示了以金字塔式结构的能量有序传导作用为特征的生物大尺度统一场的自发产生和演化。

随着食肉类捕食能力迅速提高，动物不仅要有坚硬的外壳，还得有发达的视力和活动能力，以便对危险作出快速反应，骨骼化的防护体系便瓦解了。

澄江巨型食肉类化石的发现，证实了这一看法。

“这一看法”是指( )。

A. 动物不仅要有坚硬的外壳，还得有发达的视力和活动能力B. 生物大尺度统一场的自发性和演化，与食肉动物有关C. 食肉类捕食能力的提高，使骨骼化防护体系瓦解D. “寒武纪生物大爆发”理论2. 青年时代的生涯，注定是烦闷的。

无论是动，是静，是欢乐，是无聊，总觉得背后有烦闷跟着。

到底为什么?是月儿晶莹，是雨儿阴沉，是一望的远山无际，是半池的微波粼粼?这也只是一刹那顷的自然现象。

是神妙，是温柔，对于人生有什么烦闷的影响?“我不入地狱，谁入地狱?”、“不丧掉生命的，不能得着生命。

”以众生的痛苦为痛苦，所以释迦牟尼，耶稣基督，他们奋斗的生涯里，注定的是永远烦闷!下列陈述，不符合本段意思的是( )。

A. 作者说“青年时代的生涯，注定是烦闷的”，虽然没有明说“注定”的理由，但却体现了她对这一人生现象所具有的极其敏感的把握，同时也蕴含着她相当的文学修养B. 作者试图寻找青年烦闷心理的形成原因，“月儿”、“雨儿”、“远山”、“微波”等等正是作者从大自然的角度作了十分形象的解释，所谓“望月兴叹”、“听雨起愁”说的也是这个道理C. 作者引释迦牟尼、耶稣基督的名句，虽然并不表示有多么浓厚的宗教感情，但对他们做为奋斗者的烦闷，她是给予了充分肯定的D. 作品的主旨是探求情中之理，而行文曼妙舒展，形象错落有致，在很短小的篇幅中包蕴了相当丰富的内容，显得举重若轻，游刃有余3. 一天，香烟对蜡烛说道：“蜡烛哥哥，人们都说您的精神伟大——‘烧毁了自己，照亮了别人。

2011年山东工商银行招聘笔试试题(柜员类含答案)

第一部分：专业能力测试题一、单项选择题1.利用市场不完全条件下有内在联系的金融工具之间的价格背离来获取利润的金融技术，称之为（）。

A.金融期货B.金融期权C.掉期D.套利答案：D2.法定存款准备金应该等于（）。

A.8%B.10%C.50%D.4%答案：D4.商业银行经营的核心目标是（）。

A.保证安全B.持续发展C.追求盈利D.稳健经营答案：C5.随着我国经济金融的发展，贷款总规模和货币供应量两者的关系是（）。

A.不相关B.负相关C.相关性增强D.相关性减弱答案：D6.在金融租赁活动中，一种适合于资产流动性差的企业进行紧急融资的方式是（）。

A.杠杆租赁B.直接租赁C.回租租赁D.转租赁答案：C7.“过去的交易、事项形成并由企业拥有或控制的资源，该资源预期会给企业带来经济利益”。

这是指会计核算要素中的（）。

A.资产B.所有者权益C.收入D.利润答案：A8.货D.法定存款准备金率×原始存款总额币乘数等于（）。

A.8％B.12.5%C.20％D.25％答案：D10.若投资者持面额相同、票面收益率相同、到期限相同的AB两种债券，其市场价格相同，但预计A债券的到期收益率会高于B债券，这时投资者应该（）。

2019年2011年中国工商银行笔试真题部分(精华版)

中国工商银行招聘考试2011全新试题(精华版)一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（）。

A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

中国工商银行招聘考试全新试题及答案(全部答案)

中国工商银行招聘考试全新试题及答案(全部答案)中国工商银行招聘考试全新试题（精华版）一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.225元B.135元C.22.50元D.18.50元A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

银行系统公开招聘考试综合知识(工商银行)真题2011年_真题-无答案

银行系统公开招聘考试综合知识(工商银行)真题2011年(总分35,考试时间90分钟)一、单项选择题(请在下列各题的选项中，选出一个正确答案。

)1. 下列不属于存款性金融机构的是( )。

A．商业银行B．储蓄银行C．信用合作社D．投资银行2. ( )，中国人民银行批准的中资商业银行法人对中资保险公司法人试办由双方协商确定利率的大额定期存款，进行了存款利率改革的初步尝试。

A．1998年10月B．1999年10月C．2000年1月D．2001年9月3. ( )是指一个国家以法律形式所确定的金融体系结构，以及组成该体系的各类金融机构的职责分工和相互关系的总和。

A．金融制度B．金融机构C．金融体系D．金融集团4. 目前，唯一没有资本金的中央银行是( )。

A．瑞士银行B．法兰西银行C．英格兰银行D．韩国的中央银行5. 中国居民储蓄存款利息税率为( )。

A．20%B．15%C．5%D．25%6. 对于一般存款账户，下列说法正确的是( )。

A．可办理现金缴存与现金支取B．可办理现金缴存，但不可办理现金支取C．不可办理现金缴存与现金支取D．不可办理现金缴存，但可办理现金支取7. ( )是债券票面利率与购买价格之间的比率，反映的是以现行价格购买债券时，通过按债券票面利率计算的利息收入而能够获得的收益。

A．名义收益率B．即期收益率C．持有期收益率D．到期收益率8. 下列国家不属于“金砖四国”的是( )。

A．巴西B．俄罗斯C．中国D．南非9. 经济学中的外部性(外部效应)是指在实际经济活动中，生产者或消费者的活动对其他生产者或消费者带来的非市场性影响。

若外部性(外部效应)是正的，则( )。

A．边际私人利益＜边际社会利益B．边际私人成本＜边际社会成本C．边际私人利益＞边际社会利益D．边际私人成本=边际社会成本10. 对于垄断行业的厂商，政府可以通过价格管制来限制垄断势力导致的效率损失。

如果政府对垄断厂商的限价正好使企业只能获得正常利润，则价格要等于( )。

2011年中国工商银行广州部分笔试真题(侧重经济学)

2011年中国工商银行广州部分笔试真题第一部分英语60分钟100题主要包括三部分：①选词填空（40题）②类似完型填空（12道）③阅读理解（48道）都是小篇阅读理解下面3到4个问题文章中都能找到答案不是很难但是把握时间很重要第二部分综合知识30分钟50题主要包括三部分：①关于工商银行（8题）----以2011年内大事为主记得的题目：1 中国工商银行的使命：（提供卓越金融服务）2 印度当地时间2011年5月16日，中国工商银行（孟买分行）成功获得了由印度储备银行（即印度中央银行）颁发的经营牌照3 工商银行持有阿根廷标准银行及其关联公司共计（80%）股权4 价值观里的稳健是什么含义选出不包括的5 2011上半年实现利润多少，增长多少上半年工行实现税后利润1096亿元，同比增长29%6 非淡泊无以明志，非宁静无以致远出处（诫子书）7 2011年上半年工行跨境业务？元，是上一年的3倍。

（4060亿元）8 工行新开发了个系统以下哪个不是这个系统的特点（开放）②时政（10题）----中国2011年大事为主，考的很新，感觉都是最近几个月的，比较靠前的都没有考到呢，这部分真感谢一位应届生的朋友整理的2011时政大事，考的几乎里面都整理到了，但是我看的都不认真，很多自己答案都忘记了，但是还真是感谢那位朋友。

记得的题目：1 党的90周年胡锦涛发表的重要讲话不包括2 世界经济论坛2011年新领军者年会（第五届夏季达沃斯论坛）的主题是：“关注增长质量，掌控经济格局”3 “蛟龙”号在第二次下潜试验中成功突破(5000米)水深大关4 计划生育使中国目前人口规模缩减了（4亿）5 全球三大信用评级机构：标普评级，穆迪评级，惠誉评级，选项是选出那个不属于6 到2011年，基本医疗保障制度覆盖全省城乡居民，城镇职工基本医疗保险、城镇居民基本医疗保险、新型农村合作医疗参保(合)率均达到（90%）以上7 截至今年6月，中国网民规模达（4.85亿）8 欧债三个议题，选出不包括哪个9 2011诺贝尔经济学奖得奖领域（宏观经济学）10 对商业银行发行金融债所对应的单户（500万）元以下的小型微型企业贷款，在计算存贷比时可不纳入考核范围。

银行系统公开招聘考试综合知识(工商银行)真题2011年

银行系统公开招聘考试综合知识(工商银行)真题2011年(总分：35.00，做题时间：90分钟)一、单项选择题(总题数：40，分数：20.00)1.下列不属于存款性金融机构的是( )。

∙A．商业银行∙B．储蓄银行∙C．信用合作社∙D．投资银行（分数：0.50）A.B.C.D. √解析：[解析] 存款性金融机构是吸收个人和机构存款，并发放贷款的金融机构。

其主要包括商业银行、储蓄银行和信用合作社。

而投资银行属于投资性金融机构。

2.( )，中国人民银行批准的中资商业银行法人对中资保险公司法人试办由双方协商确定利率的大额定期存款，进行了存款利率改革的初步尝试。

∙A．1998年10月∙B．1999年10月∙C．2000年1月∙D．2001年9月（分数：0.50）A.B. √C.D.解析：[解析] 1999年10月，中国人民银行批准的中资商业银行法人对中资保险公司法人试办由双方协商确定利率的大额定期存款，进行了存款利率改革的初步尝试。

2003年11月，商业银行、农村信用社可以开办邮政储蓄协议存款。

3.( )是指一个国家以法律形式所确定的金融体系结构，以及组成该体系的各类金融机构的职责分工和相互关系的总和。

∙A．金融制度∙B．金融机构∙C．金融体系∙D．金融集团（分数：0.50）A. √B.C.D.解析：4.目前，唯一没有资本金的中央银行是( )。

∙A．瑞士银行∙B．法兰西银行∙C．英格兰银行∙D．韩国的中央银行（分数：0.50）A.B.C.D. √解析：[解析] 韩国的中央银行是目前唯一没有资本金的中央银行。

5.中国居民储蓄存款利息税率为( )。

∙A．20%∙B．15%∙C．5%∙D．25%（分数：0.50）A.B.C. √D.解析：[解析] 本题重点考查考生对政策动态变化的了解程度。

自2007年8月15日起，储蓄存款利息所得税的适用税率由20%调减为5%。

6.对于一般存款账户，下列说法正确的是( )。

∙A．可办理现金缴存与现金支取∙B．可办理现金缴存，但不可办理现金支取∙C．不可办理现金缴存与现金支取∙D．不可办理现金缴存，但可办理现金支取（分数：0.50）A.B. √C.D.解析：[解析] 本题主要考查考生对单位活期存款账户知识的了解。

中国工商银行招聘考试2011全新试题(完整版)

2011中国工商银行招聘考试全新试题（精华版）一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（）。

A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

2011中国工商银行内蒙古分行柜员类招聘笔试题部分和答案

2011中国工商银行内蒙古分行柜员类招聘笔试题部分和答案第1部分：行政能力测试1）逻辑推理1、国防部的分析家担心，如果机械用具制造工业进一步萎缩，会严重地威胁到美国进行一场长时期战争的能力。

然而在国防部公开地把这个安全问题同进口配额问题联系起来之前，机械用具工业在为进口配额的请愿活动中已经提出了国家安全问题。

以下（）如果是正确的，能最有力地解释机械用具制造工业将该问题提高到有关国家安全的高度。

A、当飞机制造业重新装备机械用具时，为机械用具制造者提供了大量的工作机会B、国防部只是轻微地关注国外竞争对机械用具工业的影响C、机械用具工业在以除国防之外的其他理由来获得政府保护防止进口冲击的过程中遇到了困难D、一些对国防来说比较重要的武器是由那些不需要深机械加工的零件组成的答案：C2、据对一批企业的调查显示，这些企业总经理的平均年龄是57岁，而在20年前，同样的，这些企业的总经理的平均年龄大约是49岁。

这说明，目前企业中总经理的年龄呈老化趋势。

以下（），对题干的论证提出的质疑最为有力。

A、题干中没有说明，20年前这些企业关于总经理人选是否有年龄限制B、题干中没有说明，这些总经理任职的平均年数C、题干中的信息，仅仅基于有20年以上历史的企业D、20年前这些企业的总经理的平均年龄，仅是个近似数字答案：C3、以下是一个西方经济学家陈述的观点：一个国家如果能有效率地运作经济，就一定能创造财富而变得富有；而这样的一个国家想保持政治稳定，它所创造的财富必须得到公正的分配；而财富的公正分配将结束经济风险；但是，风险的存在正是经济有效率运作的不可或缺的先决条件。

从这个经济学家的上述观点，可以得出以下（）结论。

A、一个国家政治上的稳定和经济上的富有不可能并存B、一个国家政治上的稳定和经济上的有效率运作不可能并存C、一个富有国家的经济运作一定是有效率的D、在一个经济运作无效率的国家中，财富一定得到了公正的分配答案：B4、电视教育是一个矛盾的词。

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中国工商银行招聘考试全新试题（精华版）一、单项选择题。

（共60题，每题1分，共60分。

每题的备选项中，只有1个最符合题意）1.中央银行增加黄金、外汇储备，货币供应量（）。

A.不变B.减少C.增加D.上下波动2.我国央行首要调控的货币是（）。

A.M-1——、M2和M3B.M1和M2C.M0和M1D.M33.马克思揭示的货币必要量规律的理论基础是（）。

A.货币数量论B.劳动价值论C.剩余价值论D.货币金属论4.弗里德曼的货币需求函数中的y表示（）。

A.国民收入B.工资收入C.名义收入D.恒久性入5.其他情况不变，中央银行提高商业银行的再贴现率，货币供应量将（）。

A.增加B.减少C.不变D.不定6.通货膨胀首先是一种（）。

A.制度现象B.经济现象C.心理现象D.社会现象7.投资和信贷相结合的租赁形式是（）。

A.杠杆租赁B.金融租赁C.经营租赁D.财务租赁8.某客户购买贴现国债，票面金额为100元，价格为91元，期限为1年，其收益率为（）。

A.225元B.135元C.22.50元D.18.50元10.借款人支付给贷款人的使用贷款的代价是（）。

A.资本B.利息C.工资D.利润11.名义利率扣除通货膨胀因素以后的利率是（）。

A.54000元B.4500元C.375D.6000元13.从事汽车消费信贷业务并提供相关金融服务的专业机构是（）。

A.资产业务B.负债业务C.表外业务D.特别业务16.根据我国法律规定，我国的证券交易所是（）。

A.以盈利为目的的法人B.不以盈利为目的的法人C.公益性机构D.政府机构17.改革开放以来，为适应我国市场经济建设的需要，深圳证券交易所于（）正式开业。

A.1991年7月3日B.1990年11月26日C.1992年11月19日D.1989年10月20日18.一般而言，金融机构主要分为（）两大类。

A.银行与非银行金融机构B.银行与证券机构C.银行与保险机构D.政策性银行与商业银行19.按照我国的规定，要求金融机构的注册资本应当是（）。

A. 实收资本B.附属资本C.债务资本D.国有资本20.某商业银行的核心资本为300亿元，附属资本为40亿，拥有三类资产分别为6000亿元、5000亿元、2000亿元，与其对应的资产风险权数分别为10%、20%、100%，其资本充足率为（）。

A.8.5%B.9.4%C.10.5%D.7.4%21.无论是国家资本、法人资本、个人资本或外资资本，凡投入金融机构永久使用和支配的，都形成其（）。

A.资本公积B.资本盈余C.实收资本D.应收资本22.在我国，财政性存款、特种存款、准备金存款都属于（）管理的存款。

A.中央银行B.商业银行C.合作银行D.政策性银行23.我国的法定存款准备金率由（）规定并组织执行。

A.国务院B.金融工委C.中央财经工作领导小组D.中国人民银行24.按照银行监会规定，我国商业银行资本充足率的最后达标期限为（）。

A.2004年3月1日B.2005年3月1日C.2006年1月1日D.2007年1月1日25.下列单位可以作为贷款保证人的是（）。

A.国家机关B.企业法人的职能部门C.具有法人授权的分支机构D.以公益为目的的事业单位26.反映抵押合同与质押合同的主要区别的是（）。

A.借款人与贷款人要以书面形式订立合同B.合同生效日C.借款人不能按期履行清偿时担保品的处理规定D.贷款清偿后，担保品处理规定27.将全部投资资金集中投资于短期证券或长期证券的投资方法属于（）投资法。

A.期限分离B.分散化C.灵活调整D.债券交换28.若投资者持面额相同、票面收益率相同、到期限相同的AB两种债券，其市场价格相同，但预计A债券的到期收益率会高于B债券，这时投资者应该（）。

A.卖出A债券，买入B债券B.买入A债券，卖出B债券C.采取价格交换投资法D.采取收益净增交换投资法29.商业银行在中央银行的法定准备金存款，要按规定的调整日定期调整，当调整日按规定计算的应交法定存款准备金大于上一调整日所计算的法定存款准备金时，其（）。

A.超额准备金减少，可用头寸B.超额准备金增加，可用头寸增加C.超额准备金增加，可用头寸减少D.超额准备金增加，可用头寸增加30.银行已贴现的票据，到期付款人不能清偿时，银行首先应该向（）追索。

A.贴现申请人B.票据承兑人C.贴现银行D.保证人31.证券回购市场上交易的证券主要是（）。

A.国债B.股票C.存单D.票据32.已知某商业银行法定准备金存款100万元，超额准备金存款200万元，自留准备金占超额准备2%，则其超额准备金可用量为（）万元。

A.100B.200C.196D.29433.证券中介机构是指（）。

A.证券发行人和投资者B.证券经营机构和证券服务机构C.证券协会D.证券监管机构34.证券发行者自己组织销售的证券发行方式是（）。

A.直接发行B.间接发行C.代理发行D.公开发行35.通过发行股票筹集资金组建起来的，以盈利为目的的证券交易所是（）。

A.会员制证券交易所B.公司制证券交易所C.连锁制证券交易所D.单一制证券交易所36.证券买卖双方成立后，在规定的时间内收付应收应付款项和证券的过程称为（）。

A.清算B.过户C.交割D.买手37.按我国现行规定，如下商业承兑汇票签发与承兑的正确表述是（）。

A.承兑银行签发并承兑B.付款人签发并承兑C.收款人签发并承兑D.付款人签发，收款人承兑38.由出票人签发的，委托付款人在指定日期无条件支付确定的金额给收款人或持票人的票据是（）。

A.银行汇票B.商业汇票C.银行本票D.支票39.支票分为现金支票、转账支票和普通支票，普通支票（）。

A.既可以支取现金，也可以用于转账B.可以支取现金，但不可以转账C.不可以支取现金，只能用于转账D.只能用于个人，不能用于单位40.下列只能用于转账结算的票据是（）。

A.银行汇票B.银行本票C.支票D.商业汇票41.银行卡中具有透支功能的卡有（）。

A.转账卡B.储值卡C.专用卡D.贷记卡42.在我国，国内信用证为（）的跟单信用证。

A.不可撤销，但可转让B.可以撤销，不可转让C.可以撤销，可以转让D.不可撤销，不可转让43.在会计核算中，要求一个会计期间内的各项收入与其相关联的费用、成本应当在同一会计期间内进行确认、计量。

这是会计核算一般原则中的（）。

A.可比性原则B.一致性原则C.及进性原则D.配比原则44.“过去的交易、事项形成并由企业拥有或控制的资源，该资源预期会给企业带来经济利益”。

这是指会计核算要素中的（）。

A.资产B.所有者权益C.收入D.利润45.下列属于会计核算中帐务组织构成部分的一项为（）。

A.明细核算B.凭证传递C.科目设置D.记账规则46.在委托收款和托收承付结算业务中，委托行收到托收款项同时，借记科目是（）。

A.联行往账B.联行来账C.活期存款D.应解汇款47.下列属于反映商业银行经营成果的指标的（）。

A.固定资本比率B.资本金利润率C.流动比率D.资本风险比率48.某银行上年末的有关财务指标为：营业支出为5200万元（其中：业务管理费为780万元），营业收入为6800万元（其中：金融机构往来利息收入为380万元），该银行上年末的费用率为（）。

A.76.47%B.12.15%C.11.47%D. 81%49.商业银行核心资本充足率应在（）以上，才符合监管要求。

A.8%B.10%C.50%D.4%50.借款人目前有能力偿还贷款本息，但是存在一些可能对偿还产生不利影响的因素，这类贷款是（）。

A.正常类贷款B.次级类贷款C.关注类贷款D.可疑类贷款51.我国资产负债比例管理指标中，人民币存贷款比例指标应控制在（）以内。

A.90%B.50%C.80%D.75%52.根据我国规定，对损失类贷款的专项准备金计提比例为（）。

A.20%B.25%C.50%D.100%53.金融风险中的市场风险包括（）。

A.利率风险和流动性风险B.汇率风险和价格波动风险C.信用风险和基准风险D.操作风险和道德风险54.借款人无法足额偿还贷款本自，即使执行担保，也肯定造成较大损失的贷款是（）。

A.次级贷款B.可疑贷款C.损失贷款D.关注贷款55.债权人为向国外债务人收取贷款，开具汇票，委托其所在地开户银行向国外债务人收款的结算方式是（）。

A.汇款结算方式B.托收结算方式C.委托收款结算方式D.信用证结算方式56. 在国际托收结算中，如下属于代收行责任的是（）。

A.核对托收行的委托书签字B.接受委托人和提示行的有关指示C.对托收货物采取存仓措施D.对托收货物采取保险措施57.在国际结算中，有关当事人只是处理单据，银行只看单据而不管货物，对所装货物和实际情况如何、是否中途损失、能否如期到达目的港，均不负责任的国际结算方式是（）结算。

A.汇款B.托收C.信用证D.保函58.对于信用证条款不完整，密押不符，要与开证行联系的银行是（）。

A.通知行B.议付行C.保兑行D.偿付行59.出口地银行凭信用证开证行的邀请而买入出口商的合格单据，对出口商垫付资金，再从开证银行得到偿付的信用证是（）。

A.即期付款信用证B.延期付款信用证C.承兑信用证D.议付信用证60.预付款保函，又称（）。

A.借款保函B.还款保函C.投标保函D.付款保函二、多项选择题。

（共20题，每题2分，共40分。

每题的备选项中，有2个或2个以上符合题意，至少有1个错项，错选，本题不得分；少选，所选的每个选项得0.5分）、61.人民币现金归行的渠道主要有（）。

A.工资收入B.商品销售收入C.服务事业收入D.财政信贷收入E.外汇收入62.中央银行投资基础货币的渠道包括（）。

A.对个人贷款B.收购金、银、外汇C.买卖政府债券D.对金融机构贷款E.对工商业企业贷款63.在其他条件不变的情况下，银行贷款利率降低，一般会使（）。

A.借款人的利润减少B.银行贷款数量减少C.借款人的利润增加D.银行贷款数量增加E.货币供应量增加64.信用在消费中的作用主要是（）。