2024年度上海市银行招聘之银行招聘综合知识精选试题及答案四一单选题(共60题)1、不属于货币市场工具特点的是（）。A.期限较短B.风险较低C.普遍存在担保D.流动性高【答案】 C2、按借贷协议在一定时期可以变动的利率是（ ）。A.固定利率B.浮动利率C.一般利率D.优惠利率【答案】 B3、资料：New York and London may rule the roost, but other financial hubs in America and Europe have managed to carve out useful specialist niches for themselves. Chicago, for instance, has consolidated its position as the worlds derivatives center, and Houston, the largest city in Texas, is home to Americas biggest energy firms and has spawned an active cluster of energy traders and hedge funds.A.low taxationB.broad domestic marketC.fame for discretionD.stable political environment【答案】 B4、资料：It seems simple enough. Take all the line-forming and paper-filling busy work of the government, and put it all up on the Internet. Now, in order to report a pot-hole, pay your property tax, complain to an official or cast a vote, just log on and hit a few buttons. Goodbye bureaucracy, hello e-cracy?A.disagreeableB.mixedC.cautiousD.negative【答案】 B5、2019年8月12日，中国银行与（）签署战略合作协议。双方将在推进金融业关键信息基础设施国产化、服务“一带一路”建设和助力脱贫攻坚战等方面进行战略合作。根据合作协议，双方将发挥各自优势，秉持互利共赢的原则，建立多领域战略合作，实现共同发展。A.人民网B.新华通讯社C.南方周末D.新浪财经【答案】 B6、关于法定利率与市场利率关系的说法。错误的是（）。A.法定利率对市场利率有重要的影响B.市场利率随法定利率的变化而变化C.市场利率与法定利率变化完全一致D.市场利率是确定法定利率的重要依据【答案】 C7、中国进出口银行的主要任务不包括（ ）。A.筹集和引导境内外资金B.执行国家产业政策和外贸政策C.为扩大我国机电产品和成套设备等资本性货物出口提供政策性金融支持D.促进对外贸易的稳定发展【答案】 A8、资料：As more personal business is conducted through smartphone devices , more users are implementing security measures for their devices, according to a recent survey by Harris Poll and commissioned by the CTIA.A.Developers and device manufacturers are becoming more aware of security featuresB.Lack of security features could result in negative consumer attitudesC.Smartphone users are becoming more aware of security featuresD.Smartphone users are becoming more aware of government surveillance【答案】 C9、关于通货膨胀的成因，下列说法不正确的是（）。A.失业率居高不下时也可能出现高通货膨胀B.在总需求和总供给相对平衡的条件下，某些结构性因素也可能导致通货膨胀C.货币供给的扩张并非需求拉动型通货膨胀的唯一根源D.货币是导致通货膨胀的唯一重要的因素【答案】 D10、资料：For nearly a century, Hilton Worldwide has offered business and leisure travelers the finest in accommodations, service, amenities and value.A.Travelling opportunitiesB.A decent jobC.Various experiences, knowledge and chancesD.High income【答案】 C11、现实的资本主义市场机制在很多场合不能导致资源的有效配置，这种情况被称为“市场失灵”，以下不属于市场失灵情况的是（ ）。A.垄断B.外部影响C.完全信息D.公共物品【答案】 C12、当某一社会处于经济周期的萧条阶段时（）。A.经济的生产能力增加，因而存货增加B.总需求逐渐增长C.总需求少于总供给D.总需求超过总供给【答案】 C13、丹霞地貌是指由陆相红色砂砾岩构成的具有陡峭坡面的各种地貌形态。以下景观属于丹霞地貌的是（）。A.新疆克拉玛依魔鬼城B.江西龙虎山C.广东肇庆七星岩D.湖南张家界【答案】 B14、资料：Poor health is not only damaging to employees, it is detrimental to businesses. Corporations pay a heavy cost for stress-related illnesses, such as hypertension, gastrointestinal problems, and substance abuse. says Rubin.A.How to be a Favorable EmployeeB.Pay Attention to Your HealthC.Its Important to Build a Healthy BodyD.Several Ways to Improve Employee Satisfaction【答案】 B15、中央银行和商业银行的货币职能分别是（）。 A.提供原始货币、制造派生货币B.制造派生货币、提供原始货币C.促进货币流通、方便货币支付D.方便货币支付、促进货币流通【答案】 A16、Hows your tour around the North Lake Is it beautiful A.willB.wouldC.shouldD.Must【答案】 C17、关于债券收益率的说法错误的是（ ）。A.易被赎回的债券的名义收益率比较高B.享受税收优惠的债券的收益率比较低C.流动性低的债券收益率较高D.违约风险髙的债券收益率比较低【答案】 D18、下列经济行为中属于间接融资的是（）。A.公司之间的货币借贷B.国家发行公债C.商品赊销D.银行发放贷款【答案】 D19、资料：（二）A.Some lenders are unwilling to lend money to seniorsB.The borrowers cannot pay back the money as expectedC.Federal and state regulators are documenting the objectionD.Some lenders go bankrupt【答案】 B20、金融风险的高杠杆性表现为（ ）。A.金融机构的资产负债率低B.金融机构的注册资本金要求高C.金融体系的风险传染快D.衍生金融工具以小搏大【答案】 D21、资料：Western business visitors are often deadline-driven and unwilling to slow down to the Chinese pace when discussing business. But in China the pace can be fast and slow simultaneously.A.Chinese business philosophyB.Chinas business cultureC.Doing business in ChinaD.Guanxi in China【答案】 B22、央行两次降息，那么，降息对下列人员最有利的是（）。A.30岁，待业青年B.小张去年毕业，是一家外企的基层员工C.老王已于2010年退休，现赋闲在家D.周某65岁，在银行有10万元存款【答案】 A23、资料：When we see well，we do not think about our eyes very often. It is only when we cannot see perfectly that we realize how important our eyes are.A.even if we can see wellB.only when we cannot see perfectlyC.only when we realize how important our eyes areD.only when we can see well【答案】 A24、下列关于“道义劝告”的描述错误的是（）。A.道义劝告能调整信用的构成B.道义劝告能控制信用的总量C.道义劝告决定银行的贷款投资方