2022年上海龙湾农商银行资金运营社会招聘测试题(4)名师模拟卷[VII]3套含答案详解

《2022年上海龙湾农商银行资金运营社会招聘测试题(4)名师模拟卷[VII]3套含答案详解》由会员分享，可在线阅读，更多相关《2022年上海龙湾农商银行资金运营社会招聘测试题(4)名师模拟卷[VII]3套含答案详解（73页珍藏版）》请在装配图网上搜索。

1、书山有路勤为径，学海无涯苦作舟！ 住在富人区的她 2022年上海龙湾农商银行资金运营社会招聘测试题(4)名师模拟卷3套含答案详解（图片大小可自由调整）全文为Word可编辑，若为PDF皆为盗版，请谨慎购买！第壹卷一.题库(共125题)1.在对数据特征的测度中，几何平均数主要应用于（）。A.比较不同组别数据的离散程度B.消除变量值高低不同对离散程度测度值的影响C.对比率和指数进行平均D.计算平均发展速度E.消除计量单位不同对离散程度测度值的影响答案：C,D解析：几何平均数的主要用途有：对比率、指数进行平均：计算平均发展速度；计算复利下的平均年利率；连续作业的车间求产品的平均合格率。故正确答案为CD

2、。2.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 Am

3、ericas biggest energy firms and has spawned an active cluster of energy traders and hedge funds.Europe has also developed a diverse set of financial centers ranging from big cities to island havens such as Jersey and to niche markets such as Luxembourg and Dublin. Edinburg, an established banking ce

4、nter, is now touting itself as a low-cost alternative for financial operations. Among the larger hubs, Frankfurt is an important center for banking and derivatives trading through Eurex, a German-Swiss exchange, with significantly lower costs than London.Switzerlands twin financial centers, Geneva a

5、nd Zurich, have done well in their specialists of private banking, wealth management and insurance. The main attractions are low taxes, political stability and a reputation for discretion. Urs Roth from the Swiss Bankers Association says, however, that given its tiny domestic market, Switzerland has

6、 had to fight for open markets on an international scale.Paris has long lagged far behind London, dogged by a reputation for excessive regulation and high taxes. The new government is aware that some of Frances best financial brains have crossed the Channel for more lucrative careers in London. Yet

7、Paris has many advantages: a large number of international banks; more international companies than Frankfurt; and easy access to regulators. It has the largest market in Europe for trading in mutual funds. Few would dispute that Paris offers an attractive quality of life and has good transport link

8、s. What makes Paris a place to watch just now is the NYSEs recent merger with Euronext. The combined group will base its international equities business in the French capital. Euronext, which operates exchanges in five European countries, also illustrates the importance of a common language.Financia

9、l executives around the world increasingly view Europe as a single market. Soon a new European rule called MiFID （Markets in Financial Instrument Directive） is due to be implemented. It aims to increase competition among and transparency within financial markets. Financiers in other parts of the wor

10、ld are wondering how to achieve a similar degree of cross-border financial integration.The last paragraph implies that .A.Financiers have long ago viewed the Europe as a single marketB.Europe has the highest degree of cross-border financial integrationC.the MiFID will make financial markets around t

11、he world more competitiveD.the MiFID will increase transparency within American financial mark答案：B解析：本题考查的是细节理解和同义转换。【关键词】last paragraph;implies【主题句】最后一个自然段 Financial executives around the world increasingly view Europe as a single market. Soon a new European rule called MiFID is due to be implement

12、ed. It aims to increase competition among and transparency within financial markets.Financiers in other parts of the world are wondering how to achieve a similar degree of cross-border financial integration.世界各地的金融高管越来越多地将欧洲视为一个单一市场。很快，一项名为MiFID的欧洲新规则将被执行。它的目的是增加金融市场之间的竞争和透明度。世界其他地区的金融家们正在思考如何实现类似程度

13、的跨境金融一体化。 【解析】本题的问题是“最后一个自然段暗示什么？”。根据主题句可知，世界其他地区的金融家们正在思考如何实现类似程度的跨境金融一体化，即欧洲的跨境金融一体化程度是最高的，故选B。 3.商业银行的经营原则有（）。A.流动性B.社会性C.安全性D.盈利性答案：A,C,D4.对于资产类账户，下列说法正确的有（）。A.借方登记增加数贷方登记减少数B.借方登记减少数，贷方登记增加数C.期末余额一般在借方D.期末余额一般在贷方答案：A,C解析： 5.Theres been a steady drumbeat of warmings about a surge in risky corpor

14、ate borrowing-but not much clarity serious the threat is. At issue is the more than S1 million market in leveraged loans. Thats Wall Street jargon for loans to business with less than rook-solid finances, Federal Reserve and European Central Hank officials have drawn to the rise in corporate debt an

15、d the deterioration or lending standards. The loans are often bundled into securities ollateralized loan obligations (CLOs).Most of the watchdogs are carceful to say a repeat of the 2007-2008 crisis is unlikely because most of the debt banks. But that creates another problem Regulators focused on ba

16、nks are largely in the dark when it comes to where the risks he and how they might ripple through the financial system when the economy turns down. A big over-indebted businesses could face severe stress and, in some cases, insolvency, threatening jobs and deepen downturn.The mechanics of the levera

17、ged loan market will be familiar to students of the housing crisis.With interesting investors are willing to take greater risks to get higher yields. That makes lots of money available for lending. we makes it easier for less creditworthy companies to borrow .Rather than keep the risky loans on thei

18、r books, lender them to asset managers that package them into securities -C1Ds-that are sold to investors such as insurers and hedge funds.Yields on the riskicst portions of CLOs can approach 9% a year. And the growth of leveraged lending has been post crisis bank regulations that helped the rise or

19、 shadow lenders financial companics that arent regulated like market for levcraged loans has more than doubled since 2012.The risk taking could get worse: With demand by borrowers for levcraged loans declining this year, those still financing have been able to extract looser learns.About 85% of leve

20、raged loans are held by nonbanks, according to Wells Fargo rescarch.But banks may play a larger robe than may assumc, according to Gaurav V asisht, drector for financial regulation at the Volcker Alliance, a good-governance group, Banks are involved in all stages of the process. They underwrite loan

21、s, sell them to the CLOs, invest in those securities, and then hedge those risks in the market.“One common narrative is that banks dont have much risk or arent exposed 1o it. Vasisht said at the hearing, Banks are exposed to it.Just beeause banks are safer doesnt necessarily mean the financial syste

22、m is, says Karen Petron, managing partner at Federal Financial Analytics, a regulatory- analysis firm. Debt investors might not be as resilient in a crisis, and their problems could create shock waves. Banking regulators are being a htte myopic when they re looking only at the banking system for sys

23、temic risk, she says.- Sally Bakewell and Thomas Beardsworth. The ollteralized loan obligations (CLOs)( ). A. are securities back by loansB. are sold to companies with good financeC. have very low yieldsD. do not have much risks答案：A解析：它享有高达9%的收益率，通常提供给负债累累的公司，并且享有高额风险，这些在文章中都明确提到，排除BCD.所以答案选A.6.国际中长

24、期资金的特点包括（）。A.资金流动相对更稳定B.能够为一国在较长时期内使用C.能够更深地介入一国经济发展中D.资金获得的收益率更大，风险更低答案：A,B,C解析：国际中长期资金一般指期限在一年以上的资金，和短期相比，资金流动相对稳定，能够为一国长期使用，更深的介入一国经济发展中，资金使用期限长，收益高，相应风险也高。 7.67, 75， 59， 91， 27 ( )。A. 155 B. 147 C. 136 D. 128答案：A解析：两两做差，所得差再两两做比，商均为一2。因此答案为27 + 128 = 155。8.The personal computer was a revolution

25、in information technology that spawned a $50 billion hardware business with another $30 billion in software and peripherals (e.g. mouse keyboard printer etc. ) by 199. During its short 15 years the industry evolved through three successive periods. During its first 5 to 6 years it was characterized

26、by explosive growth and multiple small competitors vying for a piece of the market. From 1981 to 1985 the industry became a battle for standards and retail shelf space. The third eras was one of increasing fragmentation. From 1986 through 1991-1992 new manufacturers from around the world granted fro

27、m the industry leaders as new channels of distribution emerged and product innovation as well as revenue growth slowedDuring the early years of the industry venture capital in the U.S. encouraged the entry of new firms that offered products in every conceivable shape and size. By 1980 new entrants f

28、looded the market prompting distinct standards and unique technical features. Almost every firm had a different configuration of hardware and software. The first PC had relatively little speed or memory. However even these earl computers allowed managers to perform tasks that were very time consumin

29、g.What was impossible during the early years of the industry?A. Sharing applications between machinesB. Programming on the computerC. Writing contracts the computerD. Buying keyboards and printers答案：C解析：是非题。根据文段提到的“The third eras was one of increasing fragmentation”。A项提到小公司正在经历这一个艰难的时刻，这应该是第二阶段在这个行业

30、的主要特征。B项在文段中并没有完全提及。D项提到的标准问题也是在第二阶段的主要特征。因此答案选C。9.关于CIF术语（ ）。A.是否包含保险费 B.是否包含运费C.是否包含租船订舱 D.是否包含信用支付额度答案：A,B,C解析：CIF全称为Cost，Insurance and Freight,中译名为成本加保险费加运费。10.国家调控宏观经济时所运用的货币政策工具不包括（ ）。A.调整法定准备金率 B.调整再贷款利率C.公开国债的买卖 D.扩大基本建设投资规模答案：D解析：货币政策工具，又称货币政策手段，是指中央银行为达到货币政策目标所采用的政策手段。西方国家中央银行多年来采用三大货币政策工具

31、，即法定存款准备金率、再贴现政策和公开市场业务。公开买卖国债是公开市场业务的一种。D项不属于货币政策工具的范畴。11.中国近代史上第一个不平等条约是（ ）。A.南京条约 B.马关条约C.瑷珲条约 D.望厦条约答案：A解析：1842年8月29日签订南京条约，这是中国近代史上第一个不平等条约。12.货币流通规律是（）。A.关于流通中所需货币量的规律B.关于货币本质的规律C.关于通货膨胀的规律D.关于通货紧缩的规律答案：A解析：货币流通规律是一定时期内商品流通中所需货币量的规律，其内容是：一定时期内流通中所需要的货币量，与商品的价格总额成正比，与单位货币的流通速度成反比。用公式表示为：流通中所需的货

32、币量=商品价格总额(商品数量商品单价)单位货币流通速度(单位时间里的流通次数)。B项是由货币的定义所揭示的。选项C、D是违背货币流通规律的恶果。13. 下列关于买卖合同的特征，说法正确的有（）。 A.买卖合同是有偿合同B.买卖合同是单务合同C.买卖合同是诺成合同D.买卖合同是非要式合同答案：A,C,D解析：ACD 买卖合同的特征为：买卖合同是有偿合同；买卖合同是诺成合同；买卖合同是非要式合同；买卖合同是转移标的物所有权合同。14.When we analyze the salt salinity (盐浓度) of ocean waters, we find that it varies onl

33、y slightly from place to place Nevertheless, some of these small changes are important There are three basic processes that cause a change in oceanic salinity One of these is the subtraction of water from the ocean by means of evaporation In this manner, the salinity is increased, since the salt sta

34、ys behind If this is carried to the extreme, of course, white salt would be left behind ; this, by the way,is how much of the table salt we use is actually obtainedThe opposite of evaporation is precipitation, such as rain, by which water is added to the ocean Here the ocean is being diluted so that

35、 the salinity is decreased This may occur in areas of high rainfall or in coastal regions where rivers flow into the ocean Thus salinity may be increased by the subtraction of water by evaporation, or decreased by the addition of fresh water by precipitationNormally, in hot regions where the sun is

36、very strong, the ocean salinity is somewhat higher than it is in other parts of the world where there is not as much evaporation similarly, in coastalGrandma, who used to live upstairs, is now the voice on long distance, and the working parent is far too beaten down each day to spend evening relaxat

37、ion time listening to the sandbox experience of an eager four-year-oldSo family conversation is as extinct as my old toys and parental questions such as What have you been doing, Bobby? have been replaced by I m busy, go watch televisionAnd watch TV they do; count them by the millionsBut its usually

38、 not childrens television that children watch Saturday morning, the childrens hour, amounts to only about 8 percent of their weekly viewingWhere are they to be found?Watching adult television, of course, from the Match Game in the morning, to the afternoon at General Hospital, from the muggings and

39、battles on the evening news right through the family hour and past into Starsky and Hutch Thats where you find our kids, over five million of them, at 10 pm, not fewer than a million until after midnight! All of this is done with parental permissionTelevision, used well, can provide enriching experi

40、ences for our young people, but we must use it with some sense When the carpet is clean, we turn off the vacuum cleaner When the dishes are clean, the dishwasher turns itself offNot so the television, which is on from the sun in the morning to the moon at night and beyond!Parents must exercise some

41、control and show some concern about the cultural influence on the child when a program not intended for that child is viewed Parents need to intervene Nonintervention may be a wise policy in international affairs, but the results of parental nonintervention will not be wise at alLWhat is the main id

42、ea of the last paragraph?A. Parental nonintervention will not be praisedB. Nonintervention may be a good policy in international affairsC. Parents must exercise some control and show some concern about the cultural influence on the childrenD. Parents need to intervene答案：A解析：根据“In the Weddell Sea，the

43、 densest waIer in the ocean formed as a resuIt of this freezing process，whichincreasesthe salinity of cold water”可知，Weddell Sea是作为一个例子，说明this freezingprocess引起盐度变化，答案为A。 15.2016年，S省建筑业增加值共完成895.6亿元，同比增长5.7%，占GDP的比重上升，达到6.9%，比上年提高了0.3个百分点。2016年全省有工作量的总承包和专业承包建筑业企业2532家，完成建筑业总产值3318.5亿元。其中，省内产值完成2064.

44、7亿元，同比增长9.4%，增速比上年提高21.3个百分点；省外完成产值1253.8亿元，同比增长20.1%，增速比上年提高11.4个百分点。2016年，全省建筑业直接从事生产经营活动的平均人数达到112.3万人，比上年增加12.8万人，同比增长12.8%，其中工程技术人员达到12.5万人，比上年增加0.5万人，同比增长4.5%；一级建造师0.8万人，比上年增加0.1万人，同比增长11.4%。下列信息中，能够从上述资料中推出的共有（ ）。2015年，S省建筑业平均有100多万人直接从事生产经营活动2016年，S省一级建造师占建筑业工程技术人员比重高于上年水平2015年，S省有工作量的总承包和专业

45、承包建筑业企业省内产值高于上年水平2016年S省建筑业新签合同金额比2015年增长了20%以上A.1条B.2条C.3条D.4条答案：B解析：本题属于综合分析题目。错误，基期量计算，根据“2016年，全省建筑业直接从事生产经营活动的平均人数达到112.3万人，比上年增加12.8万人”，2015年直接从事生产经营活动人数=112.3-12.8=99.54.5%，因而2016年比重有所上升。错误。增长率计算，根据“2016年省内产值完成2064.7亿元，同比增长9.4%，增速比上年提高21.3个百分点”可以得到2015年增长率为9.4%-21.3%=-11.9%，增长率为负，说明2015年产值低于上

46、年水平。正确。增长率计算，增长率r=增长量/基期量，根据柱形图中新签合同数，2015年基期量为3269.4亿元，2016年现期量为4173.4亿元，r=（4173.4-3269.4）/3269.4约为28%，增长率大于20%。可知能从上述资料中推出的仅有两条，因此，选择B选项。16.老人们都 很_，对孩子们从不发脾气。填入横线部分最恰当的是（）A.慈善 B.和善C.善良 D.善意答案：B解析：根据语法，“很”后面不接名词，故可以排除D。慈善：富有同情心的。和善：温和 而慈善。题干中说“对孩子们从不发脾气”，指的是老人的温和慈祥，答案为B。17.（）是指一个国家以法律形式所确定的金融体系结构，以

47、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.金融集团答案：A解析：略18.职业高原：指在个体职业生涯中的某个阶段，个体获得进一步晋升的可能性很小。 下列不属于职业高原员工的是（ ）。A.组织内缺少员工发展所需的机会，组织无法满足员工个体职业发展的需要，员工无法 获得晋升B.绩效水平没有达到组织可接受的水平，获得进一步晋升的机会为零C.工作绩效水平很好,但进一步获得晋升的机会很小D.工作能力很高，有很大潜力，组织将其往管理层方向培养答案：D解析：职业高原是获得晋升的机会很小，而D项明显可以看出员工有很大的获 得晋升的机会。故选D。19.目前，

48、我国金融债券的发行主体是（ ）。A.财政部 B.中国人民银行C.商业银行 D.政策性银行答案：D解析：1994年，我国政策性银行成立后，发行主体从商业银行转向政策性银行。1999年以后，我国金融债券的发行主体集中于政策性银行，其中，以国家开发银行为主。20.从古至今都没有长生不老的人，但每个人的寿命都极不相同从生物学和医学上来看。人类的寿命应该有一个生物学上的最大值不过目前尚不能确定人类的最高寿命有多高这一段话主要支持这样一种观点，即人的寿命（）。农行真题A.是无限的B.究竟有多高我们是无法知道的C.应该有极限，但目前还未被发现D.对不同的人是不一样的答案：C解析：根据“从古至今都没有长生不老

49、的人”、“人类的寿命应该有一个生物学上的最大值”可知A项错误；B项将原文的“目前尚不能确定”偷换成了“无法知道”B项错误：D项似乎与“每个人的寿命都极不相同”相契合，但错误地忽略这个观点在文段中的前提，即人的寿命是有极限的，所以D项也是错误的：C项正是文段所支持的观点本题答案为C。21.-Guess what? One bullet struck my car,_ missing me yesterday!-Lucky you! Come back to our motherland as soon as possible!A.narrowlyB.nearlyC.lightlyD.slight

50、ly答案：A解析：narrowly是意为“狭窄地，勉强地”；nearly意为“是几乎，将近”；lightly是意为“轻轻地，轻松地”：slightly意为“是稍微，轻微”。根据句子意思判断，昨天一颗子弹击中了“我”的车，“我”差点儿就没命了。A项符合句意，表示“险些击中我”。如果用B项，则表示“击中了”，与后面的Lucky you矛盾。故选A。22.境内机构经常项目外汇账户限额统一采用核定币种是（ A）。A美元B人民币C可自由兑换的任何外币 D我国银行开办了外币存款业务的九种外币中的任何一种答案：A23.Social change is more likely to occur in soci

51、eties where there is a mixture of different kinds of people than in societies where people are similar in many ways The simple reason for this is that there are more different ways of looking at things present in the first kind of society There are more ideas,more disagreements in interest,and more

52、groups and organizations with different beliefs In addition, there is usually a greater worldly interest and greater tolerance in mixed societies All these factors tend to promote social change by opening more areas of life to decision In a society where people are quite similar in many ways, there

53、are fewer occasions for people to see the need or the opportunity for change because everything seetns to be the same And although conditions may not be satisfactory, they are at least customary and undisputedWithin a society, social change is also likely to occur more frequently and more readily in

54、 the material aspects of the culture than in the non-material, for example, in technology rather than in values; in what has been learned later in life rather than what was learned early; in the less basic mad less emotional aspects of society than in their opposites ; in the simple elements rather

55、than in the complex ones; in form rather than in substance; and in elements that are acceptable to the culture rather than in strange elementsFurthermore, social change is easier if it is gradual For example, it comes more readily in human relations on a continuous scale rather than one with sharp d

56、ifference This is one reason why change has not come more quickly to Black Americans as compared to other American minorities, because of the sharp difference in appearance between them and their white counterpartsAccording to the passage, which of the following is NOT true?A. Social change tends to

57、 meet with more difficulty in basic and emotional aspects of societyA. Social change tends to meet with more difficulty in basic and emotional aspects of societyB. Disagreement with and argument about conditions tend to slow down social changeC. Social change is more likely to occur in the material

58、aspect of societyD. Social change is less likely to occur in what people learned when they were young答案：B解析：根据第二段“social changes is also likely to occur more frequentry and more readily in the material aspectsin what has been leamed later in life rather than what was learned earlyin the less basic a

59、nd less emotional aspectsof societythanintheir opposites”可知A、C、D项都正确而由第一段最后一句可知，不同的观点以及对现状不满可以加速社会变革因此B项错误。 24.人们常说“品牌瓶装水品质更好”。美国广播电视网做了一个口味测试，把不同品牌的瓶装水和纽约市中心的公用饮用水装入同样的杯子中，要求人们对这些水进行品尝并评定等级。结果评价最低的是一种品质受到广泛认可的某品牌瓶装水。以下最能解释以上矛盾现象的是（）。A.人们会根据价格因素来判断商品的好坏B.不同品牌的瓶装水的口感确实存在着差异C.纽约市中心的公用饮用水已经达到了瓶装水的品质D.物

60、品包装会影响人们对其品质的评定答案：D解析：题干中的矛盾是人们认为品牌瓶装水的品质更好，然而在相同容器的水测试中人们对某品牌瓶装水的评价最低。分析实验过程可以发现，实验中的品牌瓶装水仅仅是换了容器，也就是包装，结果评价就不一样了。表明包装影响了人们对水的品质的评价，D项很好地说明了这一点。25.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

61、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?However, the shift to e-government is turning into one giant pain in the neck technology isnt the problem, money is. The Gartner Group estimated tha

62、t project spending for e-government will grow from $6.5 billion in 2010 to more than $16.8 billion by 2025.The cost worldwide over the next 15 years, however, is thought by some to reach or even exceed $600 billion.Citizens are of two minds they like the convenience and flexibility of e-government,

63、but they have shown no great interest in coughing up extra tax dollars for this purpose. E-government is turning out to be much more expensive than its early champions envisioned. Just because that a states department of motor vehicles allows online auto registration doesnt mean it can shut down its physical stations. The cost of creating and maintaining an Internet presence must be added to the existing cost structure.Why so expensive? Its cheap enough for a regional forest service to put up a fire