[辽宁]盛京银行2023年招聘历年高频考点试题库答案解析

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1、辽宁盛京银行2023年招聘历年高频考点试题库答案解析（图片大小可自由调整）第1卷一.单项选择题(共20题)1.FOR TWO MARKETING EXECUTIVESLegend Co. is an international famous company specialized in manufacturing furniture and household appliances. It is headquartered in Now York and has established over 30 branches around China With the rapid growth no

2、w the company needs two marketing executives.Qualifications:Nationality: ChineseEducation: master degree in Marketing Management Economics or other related majorsExperience: at least 3 years experience in marketingSkills: good command of oral English；proficient business trips are acceptableOthers: o

3、bedient to arrangements of the company frequent business trips are acceptableIf you wants to work in the company and are qualified please call at 01087654321 and contact Mr. SmithJudging from the text what most probably produced by Legend Co.?A.table oven and garmentB.wardrobe printer and dryerC.bed

4、side lamp sofa and closetD.refrigerator washing machine and laundry detergent答案：C 本题解析：细节题。根据文段第一句“Legend Co. is an international famous company specialized in manufacturing furniture and household appliances”可以得知，这家“传奇公司”主要生产家具和家用电器。故C项是床头灯沙发和壁橱。A项是小烤箱和服装。B项办公用打印机和烘干机。D项是电冰箱，洗衣机和洗衣液。故ABD三项均排除。因此答案选

5、C项。2.品牌之所以具有资产价值，最根本的原因在于（ ）。A.企业为创建和维护品牌付出了成本B.有品牌的产品比无品牌的产品可以定更高的市场价格C.品牌能够方便企业的经营管理，简化交易手续D.品牌所依托的产品具有能够满足某些市场需求的核心内容答案：D 本题解析：暂无解析3.冰块在水中显露的部分与水里的部分之比为1：10，如果显露部分体积为9 立方米，那么冰块的体积为（ ）立方米。A.90B.99C.110D.200答案：B 本题解析：暂无解析4.企业收到现金捐赠，在现金流量表上应该反映在（ ）项目中。A.收到的其他与经营活动有关的现金B.收到的其他与投资活动有关的现金C.收到的其他与筹资活动有关

6、的现金D.收到的其他与外汇收支活动有关的现金答案：C 本题解析：暂无解析5.一个品牌由不知名到知名，并且经久不衰，关键还是要持续保持和增强自已的市场竞争力。名牌是一代创、代代保，没有名牌要立志创名牌，有了名牌也只能作为竞争的起点。这意味着（ ）。A.有了一个名牌后即可以在竞争中永远立于不败之地B.只要投入大量资金做广告，就可以创立并保持名牌C.要树名牌必须不断地炒作D.名牌没有“终身制”答案：D 本题解析：由“名牌是一代创，代代保”，可知A不正确；由“关键是要保持和增强自己的市场竞争力”，可知B、C不正确。只有D符合题意。6.What qualification is NOT mentione

7、d as a preference?A.Knowledge of stage set designB.Expertise in the history of theaterC.Experience in making period costumesD.A university degree in a related field答案：B 本题解析：第二段分别表明了选项A、C、D中的优先条件，短文中没有提及必须具有话剧史的专业知识。7.2018年11月2日，中国( )市场交易协会在京选举出新一任会长，中国银行董事长陈四清全票当选。A.债券B.保险C.金融D.银行间答案：D 本题解析：11月2日，中

8、国银行间市场交易商协会在京选举出新一任会长，中国银行董事长陈四清全票当选。8.已经获得专用权而且受到法律保护的品牌被称作（ ）。A.品牌名称B.品牌标志C.商标D.深度品牌答案：C 本题解析：暂无解析9.环保局组织人员清理东湖的水葫芦，若100人清理，24小时可把东湖清理干净。若130人清理，16小时可把东湖清理干净。现有160人清理,几小时可把东湖清理干净?()A.18B.15C.20D.12答案：D 本题解析：设生长速度为X，原有量为Y,套用牛吃草公式有: Y=(100-X) x24, Y=(130-X) x16， 解得X =40， Y=1440， 设需要T小时，则有1440= (160-

9、40) xT，解得T=12.10.For the past 3, 000 years, when pcople thought of money they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved creased paper or clinking bits of metal.Over the past decade，however ，digital payments have taken off- tapping your plastic on a terminal

10、 or swiping a smartphone has become normal. Now this revolution is about to turn eash into an endangered specics in some rich cconomics. That will make the cconomy more efieicnt - -but it also poscs new problems that could hold the transition hostage.Countries are eliminating ceash at varying speeds

11、. But the direction of travel is clear, and in some cases the joumey is nearly complete. In Sweden the number of retail cash transactions per person has fallen by 80% in the past ten years. Cash accounts for just 6% of purchases by value in Norway. Britain is probably four or six years behind the No

12、rdic countries. America is perhaps a deeade behind. Outside the rich world, cash is still king. But even there its dominance is being croded. In China digital payments rose from 4% of all payments in 2012 to 34% in 2017.Cash is dying out beause of two forees. One is demand- younger consumers want pa

13、yment systems that plug scamlessly into their digital lives. But equally important is that supplirs such as banks and tech firms (in developed markets) and telccoms companics (in emerging oncs) are developing fast, easy-to-use payment technologics from which they can pull data and pocket fees.There

14、is a high cost to running the infrastructure behind the cash economy- ATMs， vans carrying notes, tellers who acept coins. Most financial firms are keen to abandonit, or deter old-fashioned customers with hefly fees.In the main，the prospect of a cashless economy is excellent news. Cash is inefficient

15、. In rich countries, minting， sorting， storing and distributing it is cstimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments dematerialize, people and shops are less vulnerable to theft. Govermments can keep closer tabs on fraud or tax evasion.Digitalisation

16、 vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.Yet set against these benefts are a bundle of worries. Eleotronic payment systems may be vulnerable to technical failures powe

17、r blackouts and cyber- atacks- this weck Capital One，an American bank, became the latest fim to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let govemments snoop on peoples sh

18、opping habits and private titans exploit their personal data.These problems have three remedies. First, govermments need to ensure that central banks monopoly over coins and notes is not replaced by private monopolies over digital money. Rather than ltting a few credil-card firms have a stranglehold

19、 on the eleetronic pipes for digital payments, as America may yet allow; gov emments must ensure the payments plumbing is open to a range of digital firms which can build services on top of it. They should urge banks to offer cheap,instant，bank-to-bank digital transfers between deposit accounts ，as

20、in Sweden and the Netherlands. Competition should keep priccs low so that the poor can afford most services, and it should also mean that if one firm stumbles others can step in,. making the system resilient. Sccond, govemments should maintain banks obligation to keep customcr information private, s

21、o that the plumbing remains anonymous. Digital firms that use this plumbing to offer services should be free to monetise transaction data, through, for example, advertising， so long as their business model is made explicit to uscrs. Some customers will favour free services that track their purchases

22、; others will want to pay to be left alonc.Last, the phasc-out of cash should be gradual. For a period of ten years, banks should be obliged to accept and distribute cash in populated areas. This will buy govermments time to help the poor open bank accounts, educate the elderly and beef up internet

23、access in rural areas. The rush towards digital money is the result of spontaneous demand and innovation. To pocket all the rewards, govemments need to prepare for the day when erumpled bank noles change hands for the last time.According to the article, which of the following is NOT supporting the p

24、oint that“the phase-out of cash should be gradual?A.In rural areas the intemet access still need time to be enhancedB.The rush towards digital money should be targeting at the most beneficial results of govermentC.It could buy govemment time for helping those impoverished people open bank accounts,

25、and to teach elderly people Io prepare for the eleetronice payments systemsD.Banks are obliged to offer assistance in the long process towards the final eliminating of cash答案：B 本题解析：由最后一段 “beef up intemet acess in rural areas. (加强农村地区的互联网接入)”可知A项正确。由“This will buy goverments time to help the poor op

26、en bank accounts,educate the elderly (这将为政府争取时间，帮助贫困人口开设银行账户，教老年人使用)”可知C项正确。由“banks should be obliged to acepet and distribute ceash in populated arcas. (银行有义务在人口密集的地区接受和发放现金)”可知D项正确。网上支付不是为了保证政府利益最大化，B项表述错误，所以答案选B.11.第60题答案是_A.seizeB.placeC.burnD.hold答案：B 本题解析：将其放置(place)火上即可，而不是燃烧(burn)，也不是抓住(seiz

27、e)或握住(hold)。12.某投资者用100万元进行2年期投资，市场利率为5.8，利息按复利计算，则该投资者的投资期值为（ ）元。A.1116000B.1119364C.1126000D.1219364答案：B 本题解析：暂无解析13.磁，是一种非常普遍的现象，我们的日常生活中随处可见。从电子设备、电力系统到通讯自动化控制无处不用到磁效应和磁性材料。而随着磁技术的发展，其应用范围更扩展到生物科学、农林科学及至新兴的环境科学等领域中。从这段文字我们不能推出的是（）。农行真题A.磁的应用范围会越来越广B.新兴的环境科学也可能存在磁现象C.日常生活中都是磁的现象D.磁现象在生活中随处可见答案：C

28、本题解析：原文为“磁，是一种非常普遍的现象，我们的日常生活中随处可见”是指磁现象的广泛性并不等于“日常生活中都是磁的现象”。故C项错误。14.用甘蔗提炼乙醇比用玉米需要更多的能量，但奇怪的是，多数酿酒者却偏爱用甘蔗做原料。以下哪项最能解释上述矛盾现象？（）A.任何提炼乙醇的原料的价格都随季节波动，而提炼的费用则相对稳定B.燃烧甘蔗废料可提供向乙醇转化所需的能量，而用玉米提炼乙醇则完全需额外提供能源C.玉米质量对乙醇产出品的影响较甘蔗小D.用甘蔗制糖或其他食品的生产时间比提炼乙醇的时间长答案：B 本题解析：原料价格“都”波动，并没说明两种原料价格如何波动，A项错误；选项C 和D都赞成用玉米，明显

29、错误；选项B则明确提出了用甘蔗的好处，所以选B。15.A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：从图中封闭空间的数量来看,从左到右是5、5、4、5,接下来应该是5;从交点数量来看是4、4、3、4，下一个应该是4，封闭空间的数量比交点数量分别多一个，且呈左右对称的关系。16.阅读理解Two related paradoxes also emerge from the same basic conception of the aesthetic experience. The first was given extended consideration by Hegel, who

30、 argued roughly as follows: our sensuous attention and that gives to the work of art its peculiar individuality. Because it addresses itself to our sensory appreciation, the work of art is essentially concrete, to be understood by an act of perception rather than by a process of discursive thought.A

31、t the same time, our understanding of the work of art is in part intellectual; we seek in it a conceptual content, which it presents to us in the form of an idea. One purpose of critical interpretation is to expound this idea in discursive formto give the equivalent of the content of the work of art

32、 in another, nonsensuous idiom. But criticism can never succeed in this task, for, by separating the content from the particular form, it abolishes its individuality. The content presented then ceases to be the exact content of that work of art. In losing its individuality, the content loses its aes

33、thetic reality; it thus ceases to be a reason for attending to the particular work and that first attracted our critical attention. It cannot be this that we saw in the original work and that explained its power over us.For this content, displayed in the discursive idiom of the critical intellect, i

34、s no more than a husk, a discarded relic of a meaning that eluded us in the act of seizing it. If the content is to be the true object of aesthetic interest, it must remain wedded to its individuality: it cannot be detached from its sensuous embodiment without being detached from itself. Content is,

35、 therefore, inseparable from form and form in turn inseparable from content. (It is the form that it is only by virtue of the content that it embodies.)Hegels argument is the archetype of many, all aimed at showing that it is both necessary to distinguish form from content and also impossible to do

36、so. This paradox may be resolved by rejecting either of its premises, but, as with Kants antinomy, neither premise seems dispensable. To suppose that content and form are inseparable is, in effect, to dismiss both ideas as illusory, since no two works of art can then share either a content or a form

37、-the form being definitive of each works individuality.In this case, no one could ever justify his interest in a work of art by reference to its meaning. The intensity of aesthetic interest becomes a puzzling, and ultimately inexplicable, feature of our mental life. If, on the other hand, we insist

38、that content and form are separable, we shall never be able to find, through a study of content, the reason for attending to the particular work of art that intrigues us. Every work of art stands proxy for its paraphrase. An impassable gap then opens between aesthetic experience and its ground, and

39、the claim that aesthetic experience is intrinsically valuable is thrown in doubt.1. Hegel argued that .A.it is our sensuous appreciation that gives peculiar individuality to the work of artB.it is the content of the work of art that holds our attentionC.the work of art cannot be understood without a

40、 process of logical thinkingD.the form of the work of art is what our sensuous appreciation concentrates on答案：D 本题解析：本题的答案线索可以在第一段的最后一句话中找到。A项应该是sensuous attention. B项没有提到，C项正是黑格尔所反对的。17.第48题答案是_A.hold onB.put awayC.look throughD.pick up答案：C 本题解析：look through“浏览”，look through a pile of letters意为“浏览一

41、堆信件”，故选C。hold on“抓住，坚持”，put away“把放到一边”，pick up“捡起，学会”，均排除。18.Which color is the Versatile Sports Coat NOT available in?A.PineB.DesertC.EspressoD.Midnight答案：B 本题解析：暂无解析19. 在国民收入核算体系中，计入GDP的政府支出是指（）。 A.政府工作人员的薪水和政府转移支出B.政府购买的物品和劳务的支出C.政府购买的物品和劳务的支出加上政府的转移支出之和D.政府赡买的物品支出答案：B 本题解析：政府的转移支付不计入当年的GDP，政府对物

42、品和劳务的购买计人当年的GDP。20. 2019年3月28日，中国人民银行近日发布关于进一步加强支付结算管理防范电信网络新型违法犯罪有关事项的通知。通知规定，符合要求的自助柜员机转账可不再执行( )到账的规定。 A.12小时后B.24小时后C.1小时后D.实时答案：B 本题解析：2019年3月28日电，中国人民银行近日发布关于进一步加强支付结算管理防范电信网络新型违法犯罪有关事项的通知。此前为了挽回诈骗资金争取时间，规定个人自助柜员机具转账资金在24小时后到账。此次通知规定通过自助柜员机具为个人办理业务时，可在转账受理界面以中文显示收款人姓名、账号和转账金额等信息，并以中文明确提示该业务实时到

43、账，由客户确认，可不再执行自助柜员机具转账24小时后到账的规定。二.多项选择题(共20题)1.下列各项中，属于现代金融体系基本要素的有（ ）。A.由货币制度所规范的货币流通B.由国库制度所规范的资金收付C.金融中介D.金融制度和调控机制E.金融工具答案：A、C、D、E 本题解析：暂无解析2.根据以下资料回答6-9题：材料要点本题材料是具体数量型扇形图。本题按照图例的顺序进行排列。不是按照指标的数据大小顺序来排序的；图中有一个名为“欧盟其他国家”的部分，说明它是几个国家的合计。标题：2002年欧盟各国GDP值比例图单位：亿欧元分类：比利时、法国、德国、意大利、荷兰、英国、丹麦、西班牙、奥地利、瑞

44、典、欧盟其他国家奥地利的GDP总量比比利时的GDP总量少（）A.5B.16.3C.19.4D.22.5答案：B 本题解析：从图中可以看出，奥地利的GDP为2125亿欧元，比利时的GDP为2538亿欧元，奥地利的GDP是比利时的GDP的2125+2538083XX，那么比比利时的GDP少121252538=016XX，所以选择B。计算技巧首数法，通过确定和、差、积、商的首数来确定答案，首数可以是最前一位或几位数字。应用条件：当题目所给选项的前几个数位不同时，可用其排除干扰项。与此相对的是尾数法根据两个数尾数的运算法則来确定结果的尾数，一般适用于加、减、乘三种运算，尾数可以是最后一位或几位数字。应

45、用条件：当题目所给选项的尾数不同时，可用其排除干扰项。验证(25382125)2538100=1627。3.国际中长期资金的特点包括（）。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 本题解析：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。4.管理就是带领别人去实现目标的过程。这说明（）。A.保证有效地实现组织的目标是管理活动的目的B.管理者的水平要通过其带领下属的业绩来衡量C.管理是依附于组织的

46、活动，离开了组织就谈不上管理D.一个差的管理者其下属也不可能是精兵强将答案：A、B、C 本题解析：管理就是带领别人去实现目标的过程，可以引申出三层含义：(1)管理者的业绩是由他人来衡量的；(2)管理存在于一定的组织中，组织是由很多人构成的群体；(3)管理的目的就是要实现一定的目标。因此，本题选ABC。选项D过度引申。5.财务分析的基本方法不包括( )。A.比较分析法B.事前分析法C.比率分析法D.综合分析法答案：B、D 本题解析：财务报表分析常用的方法，包括比较分析法、比率分析法、趋势分析法等基本方法。6.下列各项中，属于现代金融体系基本要素的有（ ）。A.由货币制度所规范的货币流通B.金融工

47、具C.金融中介D.金融制度和调控机制答案：A、B、C、D 本题解析：构成现代金融体系的基本要素包括：（1）由货币制度所规范的货币流通；（2）金融中介；（3）金融市场；（4）金融工具；（5）金融制度和调控机制。7.现金资产是可以随时用于支付的银行资产 , 它包括 ( ) 。A.库存现金B.存放同业资金C.存放中央银行资金D.托收未达款答案：A、B、C、D 本题解析：暂无解析8.African elephants have been slaughtered at alarming rate over the past decade, largely because they are the pri

48、mary source of the worlds ivory Their population has been dwindled from 13 million in 1979 to just 625,000 today, and the rate of killing has been accelerating in recent years because many of the older, bigger tusked animals have already been destroyed The poachers now must kill times as many elepha

49、nts to get the same quantity of ivory, explained Curtis Bohlen, Senior vice president of the World Wildlife FundThough its record on the environment has been spotty so far, the government last week took the lead in a major conservation issue by imposing a ban on ivory imports into the US The move ca

50、me just four days after a consortium of conservation groups, including the World Wildlife Fund and Wildlife Conservation International, called for that kind of action, and it made the US the first nation to forbid imports of both raw and finished ivory The ban, says Bohlen, sends a very clear messag

51、e to the ivory poachers that the game is overIn the past African nations have resisted an ivory ban, but increasingly they realized that the decimation of the elephant herds poses a serious threat to their tourist business Last month Tanzania and several other African countries called for an amendme

52、nt to the 102 nation Convention on International Trade in Endangered Species that would make the ivory trade illegal worldwide The amendment is expected to be approved at an October meeting in Geneva and to go into effect next January But between now and then, conservationists contend, poachers may

53、go on a rampage, killing elephants wholesale, so nations should unilaterally forbid imports right away The US government brought that argument, and by weeks end the twelve nation European Community had followed with its own banSince many of the older, bigger-tusked animals have already been destroye

54、d, what did the poacher do?A.They gave up poachingB.They killed more elephants to get the same quantity of ivoryC.To them, game is overD.They realized it was illegal to slaughter elephants答案：B 本题解析：本题为细节考查题。文中第一段提到“The poachers now must kill tames as many. elephants to get the same quantity of ivory

55、”，由此可知，偷猎者现在必须捕杀更多倍的大象去得到相同量的象牙。答案B是最佳答案。9.国际货币基金组织贷款的特点主要有（ ）。A.贷款期限较长B.主要用于解决成员国的国际收支问题C.主要是项目贷款D.贷款附有政策条件答案：B、D 本题解析：本题考查国际货币基金组织贷款的特点。其特点包括：贷款主要是帮助其解决国际收支问题，贷款是有政策条件的，贷款是临时性的。10.在弗里德曼的货币需求函数中，与货币需求成正比的因素有（ ）A.恒久性收入B.人力财富比例C.存款的利率D.债券的收益率E.股票的收益率答案：A、B 本题解析：暂无解析11.市场营销组合的策略包括（ ）。A.产品策略B.定价策略C.渠道策

56、略D.促销策略E.包装策略答案：A、B、C、D 本题解析：暂无解析12.为了调节国际收支顺差，一国可以采取的政策有（ ）。A.实施扩张性财政政策B.在外汇市场上抛售外汇C.实施紧缩性财政政策D.本币升值E.在外汇市场上购进外汇答案：A、D、E 本题解析：国际收支顺差是指某国在国际收支中入大于出。实施扩张性财政政策，国内购买能力增强，对商品的需求增加，可以调节国际收支顺差，A 项正确。当一国国际收支顺差时，外汇市场外汇增多，此时货币当局应该在外汇市场上购进外汇，平衡外汇供给，E 项正确。国际收支顺差时，可用本币法定升值政策，刺激进口，D 正确。13.几乎每发生一起突发事件，都会出现网络谣言。比如

57、，今年7 月，有关因股票大跌多人跳楼的谣言，在网上此起彼伏，引起了不良影响。公安部在全国开展打击网络有组织制造传播谣言等违法犯罪专项行动，网络红人“秦火火”、“立二拆四”等一批网络名人因网上蓄意造谣、传谣等依法刑拘。下列对这些网络造谣，传谣者行为的描述，正确的是（ ）。A.违背了时代精神B.扰乱了社会秩序C.泄露了国家秘密D.污染了网络环境答案：A、B、D 本题解析：暂无解析14.商业银行的现金资产包括( )。A.库存现金B.在中央银行中的存款准备金C.存放同业存款D.托收过程中的资金答案：A、B、C、D 本题解析：商业银行的现金资产包括库存现金、在中央银行的存款准备金、存放同业存款、托收过程

58、中的资金。15.评价微机性能的技术指标有（）。A.字长B.速度C.容量D.带宽答案：A、B、C、D 本题解析：暂无解析16.货币市场包括（） 。A.商业票据市场B.大面额可转让存单市场C.银行承兑汇票市场D.债券市场答案：A、B、C 本题解析：暂无解析17.合同的特征包括（ ）。A.合同是双方或多方的民事法律行为B.合同当事人的法律地位是平等的C.合同当事人可以通过合同规避法律规定的义务D.合同是两个以上当事人的意思表示相一致的民事法律行为E.合同是以发生民事法律后果为目的的协议答案：A、B、D、E 本题解析：暂无解析18.在社会主义市场经济中，国有企业应发挥重要作用的行业和领域主要有（ ）。A.涉及国家安全的敏感性行业和领域B.一般竞争性行业C.提供重要公共物品和服务的行业D.政府管制的垄断性行业E.战略性资源产业答案：A、C、D、E 本题解析：暂无解析19.商业银行资产业