[浙江]2023年杭州银行绍兴分行秋季校园招聘上岸历年高频考点试卷答案详解

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1、浙江2023年杭州银行绍兴分行秋季校园招聘上岸历年高频考点试卷答案详解（图片大小可自由调整）第I卷一.单项选择题(共50题)1.首先开始发行大额可转让定期存单的是()A.法国巴黎银行B.意大利威尼斯银行C.英格兰银行D.美国花旗银行答案：D 本题解析：暂无解析2.中国“管理学本土化”研究要运用质性研究方法。由于质性研究不像量化研究那样有明确的程序与路径可循，开始时做起来头绪纷繁，费时费力，这对于惯于量化研究和逻辑实证研究的研究者而言，困难更大。这就使一些研究者放弃进行真正意义上的中国“管理学本土化”研究，而去做一些研究路径比较固定、研究范式较为清晰、发表论文较为快速、同时更能获得国际明刊编辑青

2、睐的研究题目。这段文字主要说明中国“管理学本土化”研究（ ）。A.要突破量化研究的范式B.要克服急功近利思想C.要有明确的程序与路径D.要更加注重质性研究答案：B 本题解析：概括类题目。文段提出中国“管理学本土化”要运用质性研究方法，但是这种方法比量化研究的方法费时费力，所以一些研究者就放弃这种研究，转向相对简单、发表论文比较快速的研究题目，由此可知，中国“管理学本土化”研究存在急功近利的现象，所以要克服急功近利思想，故答案为B。3.商业银行经营与管理原则的核心是 ( D ) 。A.流动性原则B.政策性原则C.盈利性原则D.安全性原则答案：D 本题解析：暂无解析4.Racial discrim

3、ination has still_ in some parts of the USA since itafter the Civil War.A.been existed; has been done awayB.existed; has been done away withC.been existed; has been done away withD.existed; was done away with答案：D 本题解析：第一个空，exist“存在”，不能用被动语态，排除A，C；第二个空，时间状语afterthe CivilWar与一般过去时连用，又是被动语态，排除B，只能选D。句子

4、意思：虽然自从美国内战之后被取缔，但是种族歧视至今还在美国一些地方存在着。5.A growing number of countries want to phase out coal entirely, a transition eased by cheap natural gas and cost of wind and solar power. That is good news. Coal has been the largest engine of change to date, accounting for nearly a third of the rise in average

5、temperatures since the Industrial Revolution. Any pressure on it therefore counts as progress.Asia accounts for 75% of the worlds coal demand. The Chinese goverment has taken steps to limit pollution and support renewables. Yet coal consumption there rose in 2018, as it did the year before. In India

6、 coal demand grew by 9% last year. In Vietnam it swelld by altmost a quarter.To keep the rise in global temperatures to no more than 1.59C relative to pre-industrial times, climatologists insist that almost all coal plants must shut by 2050, which mcans starting to act now.Todays trends would keep t

7、he last coal plant open until 2079, cstimates UBS, a bank. Asias coal-fired power regiment has a sprightly avcrage age of 15, compared with a creaky 40 years in America, close to retirement.There are several reasons for this, but one stand out govemment I support. In India state-owned companies inve

8、st more than $6bn in coal mining and coal-fired power each year,statebacked banks provide some $10.6bn in financing. Indoncsia doles out more than S2bn annually for consumption of coalfired power. Japan and South Korca finance coal projccts outside their borders.Govermment support is hardly surprisi

9、ng. State-backed coal firms make money and create jobs. W ind turbines and solar panels provide power only intermittently; for now, dirtier power plants are needed as back up. Gas is pumelling coal in America, but remains a bit-player in India and much of South-East Asia, since it has to be imported

10、 and is relatively expensive.Neverheless, govermments betting on coal face three big risks. One is environmental.Emissions from coal plants that are already built- -let alone new ones- will ensure that the world exceeds the level of carbon-dioside emissions likely to push global temperatures up by m

11、ore tham 1.5%C.There is an cconomio risk, too. Public-sector zeal for coal is matched only by private-sector distaste. Banks, including Asian ones, have increasingly said they will stop funding new coal plants. Wind and solar farms make coal look increasingly expensive. A study has found that privat

12、e banks provided thre-quarters of loans to Indian renewables projects last year, state-backed banks doled out two-thirds of those for coal.And then there is politics. Voters do not like breathing soot. More of them are concemed about elimnate change, too, as they face unpredictable growing seasons,

13、foods and droughts. Which of the followving statements is true?( ).。 A.Govemment support is an important factor for rising coal demand in AsiaB.Japanese govermment does not support coalC.Solar power is the most used energy in rich countriesD.Gas is playing a bigger role in most Asian countries答案：A 本

14、题解析：由第三段第一句话“There are sevcral reasons for this, but one stand out goverment 1 support.可知A项表述正确，所以答案选A。6.To: Gloria Stefani stefigFrom: Reesa Bonjani rbonjaniSubject: February fireworks scheduleDate: December 16Dear Ms. Stefani,Thank you for inquiring about the fireworks at Harbor Falls waterfall. A

15、ttached to this message youll find a schedule of our fireworks displays for the month of February. Im sure youll be able to find a suitable date around which to plan your trip.Also, if youre interested in staying at one of the hotels that offers a view of the waterfall and fireworks, please visit ou

16、r Web site at and click on the link for nearby hotels. Dont hesitate to contact me with any more questions.Enjoy your stay at Harbor Falls.Sincerely,Reesa BonjaniHarbor Falls Department of Tourism.-Harbor Falls Fireworks ScheduleFebruary Thursday February 1(for the beginning of February)Saturday Feb

17、ruary 10Wednesday February 14(for Valentines Day)Saturday February 17Sunday February 18(for the Lunar New Year)Monday February 19(for Presidents Day)Saturday February 24* Fireworks displays during the month of February will start at 9 p.m.* Dates and times are subject to change and will be updated o

18、n the Web site when that information becomes available.* Fireworks displays may be cancelled due to adverse weather conditions.Why will fireworks be displayed on February 18?A.For the weekendB.For Presidents DayC.For the Lunar New YearD.For the hotels anniversary答案：C 本题解析：暂无解析7.几家企业与若干自然人出资设立一从事贸易的有

19、限责任公司，对该公司（）的出资不超过其注册资本20%的比例限制。A.厂房和设备B.资金C.交通工具D.商标权或专利权答案：D 本题解析：暂无解析8.权力可以用来定义作为个体人的各种能力与影响力，但权力本身的范畴却显 得_，在这个全球政治经济格局日趋多极化、错综复杂的今日，如何定义那些决定全球经济、社 会乃至精神生活的重大人物所拥有的权力大小是件非常_的事情。填入横线部分最恰当的一项是（ ）。A.含糊其辞 棘手B.模棱两可 简单C.含糊不清 棘手D.旗帜鲜明 简单答案：C 本题解析：含糊其辞：话说得不清不楚，含含糊糊；形容有顾虑，不敢把话照直说出 来。模棱两可：可以这样，也可以那样；指不表示明确

20、的态度，或没有明确的主张。含糊不清： 躲躲闪闪，在主张方面缺乏明确的表态；“旗帜鲜明”比喻立场、观点、态度等十分明确。根据句 中转折词“但”可知，后面需要填入否定意义的词?权力本身的范畴没有明确，因此应选择“含 糊不清”。“棘手”比喻事情难办。C项正确。9.工厂生产的一批螺母共有1000个，但是其中有一个是次品，比其他的螺母轻。现在有一个天平，那么，最少称（）次就可以把这个螺母找出来。A.15B.9C.20D.4答案：B 本题解析：方法一：枚举法。先把1000个螺母分成333，333和334个，第一次秤会在333或者334中出现次品，第二次：分成111、111、111或者111、111、112

21、；那么轻的螺母一定在111或者112里；第三次：分成37，37，37或者37，37，38个。轻螺母在37或者38里；第四次：分成12，12，13或者13，13，12个，轻螺母一定在12或13里；第五次：分成4，4，4或者4，4，5个，轻螺母一定在4或5里；第六次：分成1，1，2或者1，2，2，轻螺母一定在1或者2里；第七次：分成1，1一定能称出来。因此最少七次就能称出来，大于7的最小选项是B。方法二：称n次最少能够称出个，因此1000，n7，B选项正确，A、C、D选项错误。故本题正确答案选B。10.The personal computer was a revolution in inform

22、ation 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 by explos

23、ive 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 from the ind

24、ustry 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 flooded th

25、e 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 consuming.What ha

26、ppened in the third era?A.The small companies experienced a harsh lifeB.People preferred PCs of big brandsC.The big companies didnt earn as much as they did the past two periodsD.The companies made standard on the configuration答案：C 本题解析：细节题。根据文段提到的“The third eras was one of increasing fragmentation”

27、。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。11.As she walked round the huge department store,Edith reflected how difficult it was to choose a suitable Christmas present for her father.She wish that he was as easy to please as her mother, who was always delighte

28、d with perfumeBesides,shoppong at this time of the year was a most disgreeable experience :people trod on your toes,poked you with their elbows and almost knocked you overin their haste to get to a bargain ahead of you.Partly to have a rest, Edith paused in front of a counter where some attracive ti

29、es were on display. They are real silk, the assistant assured her, trying to tempt her. Worth double the price. But edit knew from past experience that her choice of ties hardly ever pleased her father.She moved on reluctantly and then quite by chance, stopped where a small crowd of man had gathered

30、 round a counter. She found some good quality pipes on sale-and the prices were very reasonable. Edith did not hesitate for long : although her father only smoked a pipe occasionally, she knew that this was a present which was bund to please him.When she got home,with her small well-chosen present c

31、oncealed in her handbag, her parents were already at the supper table. Her mother was in an especially cheerful mood, Your father has at last to decided to stop smoking. She informed her daughter.Ediths father _.A.did not like presentB.never got presentC.preferred tiesD.was difficult to choose a pre

32、sent for答案：D 本题解析：暂无解析12.为了拓展客户，提升业绩，诺鑫银行不断深化联动营销的业务拓展方式。最近，北京分行准备在辖区内开办一次沙龙。本次沙龙，卢诚计划邀请辖区一些企业的相关负责人参加，他拿到一张企业名单，其中共有600 多家企业，这些都是辖区内的中小型企业。这些企业中，有23 已经在诺鑫银行开办了代发工资业务，1/11 已经在他行开办了代发工资业务，还有1/12 的企业没有具体的联系方式，卢诚需要给那些有联系方式的、并且没有开办代发工资业务的企业发送沙龙邀请函，本次沙龙共邀请（ ）企业。A.105B.75C.条件不足，无法计算D.21答案：A 本题解析：名单中企业总数有6

33、00 多家，且同时是3、11、12 的整数倍，所以名单中企业数应为3、11、12 的最小公倍数132 的整数倍。132n600，n4.5，n=5，企业总数为660 家，其中有联系方式未开办业务的数量660（11/12-2/3-1/11）=105（家）。13.金本位制下（）是决定两国货币汇率的基础。A.货币含金量B.铸币平价C.中心汇率D.货币实际购买力答案：B 本题解析：铸币平价即铸币本身的价值的对比。14.When their first test failed, the engineers at OKM Corporation agreed it was _to try using dif

34、ferent materials.A.timeB.endC.momentD.turn答案：A 本题解析：本题考查it 句型。It is/was time to do sth.表示“是该作某事的时候了”，代入句中，构成了整句的句意“当OKM 公司的工程师第一次测试失败后，他们达成一致；是时候尝试使用不同的材料了”。其他三项均不符合题意，均排除。15.根据2003年底修改的中华人民共和国中国人民银行法，下列判断正确的是（）A.我国的金融监管工作以中国人民银行为核心B.中国人民银行指导其他金融监管机构C.中国人民银行在金融监管方面拥有监督检查权D.中国人民银行不再有金融监管职能答案：C 本题解析：暂

35、无解析16.将下列 5 个句子重新排列组合：近几年，大理越来越“著名”了，去大理买房、去大理定居，一时间成为了大城市文人圈里的风尚位于云南省西部的大理市依山傍水，宜居的气候、远久的历史、多样化的民族符号、 “洋人”留下的嬉皮文化等，都让这里散发着迷人的光彩我们邀请过去十年来持续关注大理的资深作者和常驻本地的摄影师为我们带回来第一线的最新报道是什么让大理如此吸引眼球，那里究竟都发生了些什么？自此，大理超越了地理概念，成了阳光、自由、宜居的代名词，媒体、开发商、游客各类人群蜂拥而至，而大理，也在这样的风尚中渐渐失去了它的平静，正在成为大城市的一块“文化飞地” ，也正在形成一个山水间的“名利场” 。

36、最合理的组合方式是（ ）A.B.C.D.答案：A 本题解析：观察选项，中的“自此”提示本句不能作为首句出现，即排除选项 B 和 C；应为前后句关系，提出在大理定居买房一时间成为风尚，再对此进行详细解释说明，连接紧密，故 A 为正确答案。17.2005年，在普京总统的直接关注以及各方面的通力配合下，俄罗斯反有组织犯罪工作人员 成功没收了 1200件武器、15万8千发子弹、1300多个爆炸装置、336公斤炸药以及1700 多公斤毒品，打掉了不少具有跨地区性质的重大犯罪团伙。俄罗斯有组织犯罪的真实情况是（ ）。A.形势严峻B.杜绝C.情况不明D.呈下降趋势答案：A 本题解析：B、C、D三个选项实际上

37、在该句中都没有被提及，句中所提到的是“总统 的重视”“各方面的配合”“没收武器等数量巨大”“跨地区性质犯罪团伙”，这些都表明俄罗斯有 组织犯罪的情况已经十分严峻，否则不会连总统都要重视。18.关于帕累托优化（帕累托效率、帕累托改善、帕累托改进）的表述，不正确的是（ ）。A.帕累托最优是指资源分配的一种状态，在不使任何人境况变坏的情况下，不可能再使某些人的处境变好。B.帕累托法则是指没有进行帕累托改进的余地的状态。C.达到帕累托最优时，会同时满足交换最优、生产最优的产品混合最优。D.帕累托改进是指一种变化，在没有是任何人情况变坏的前提下，使得至少一个人变得更好。答案：B 本题解析：帕累托最优状态

38、就是不可能再有更多的帕累托改进的余地，帕累托法则是指原因和结果、投入和产出、努力和报酬之间本来存在着无法解释的不平衡。故本题答案选B。19.第43题答案是_A.was makingB.will have madeC.madeD.will make答案：D 本题解析：文中意为“Proteus Sat”将尽力及时解决所有的投诉以达到双方满意的效果。20.在古典货币数量中，费雪交易方程式所反映的理论观点是（）。A.物价水平决定货币量B.货币量决定物价水平C.资本的供给状况决定货币量D.自然资源的供给状况决定货币量答案：B 本题解析：费雪交易方程式反映的是货币量决定物价水平的理论。假定其他因素不变物价

39、水平与货币量成正比。21.贷款借据必须按( )与该科目分户帐核对相符。A.旬;B.月;C.季;D.年;答案：B 本题解析：暂无解析22.一步领先，步步领先。随着人与物之间连接的增加，连接的作用快速地倍增，人们取得的成功将不再是自我限制的，而是自我供给的。简单的解释是：胜利连着胜利。这恰恰是颠覆了传统经济学里“边际收益递减”的概念；而互联网的最大经济学优势之一，就是“边际收益递增”。下列说法最能概括这段文字大意的是（ ）。A.互联网经济比传统经济的优势是边际收益递增B.人们取得成功是通过自我供给实现的C.人与物之间连接倍增D.互联网经济是对传统经济的彻底颠覆答案：A 本题解析：文段主要论述的是互

40、联网经济较之传统经济的优势边际收益递增。BC 项没提到“互联网经济”这一论述对象，D“彻底颠覆”表述太绝对。故选A。23.Questions refer to the following article. On Friday June 7, 2013, we will undergo a major system upgrade that will bring into play more sophisticated technology to enhance the services and products that we can provide to you，our valued cus

41、tomer. These upgrades include making our debit card program “real-time” new and improved online banking, mobile banking and bill pay and more! We are excited about these changeswe believe that our new system will enable us to be able to focus even more on helping our customers，like you! It is import

42、ant to us that this transition be a smooth one for you. These are just a few of the various changes that will soon take place. Please feel free to contact one of our friendly customer service representatives in Fisher or Mahomet with any questions you may have! Fisher National Bank has a longstandin

43、g tradition of providing exceptional financial service. We want to thank you for being part of this tradition and for allowing us to meet your financial needs. We appreciate your patience through this exciting change and we value your trust and confidence. All locations will be closing at 100p.m. on

44、 Thursday June 6, 2013；however, drive ups will remain open as usual. Normal business hours will resume on Friday June 7. Online banking will not be available from June 6 through June 9. Login（user）name will not change. Once the new system is in place on June 10（approximately 9a.m.）, you will be prom

45、pted for your secret answer. Please note: After the conversion to the new online banking system, you will no longer be able to see transaction history prior to June 6. Please log in prior to this to print off any history or statements.The bank suggests that customers（）.A.stop any transactions till t

46、he resumption of normal business hoursB.contact one customer service staff for more informationC.print off their transaction statements once the new system for online banking is in placeD.use their secret answers to altar their user names答案：B 本题解析：原文中“Please feel free to contact one of our friendly

47、customer service representatives in Fisher or Mahomet with any questions you may have!”与B项相符。24.根据下列内容，回答196-200题。Water problems in the future will become more intense and more complex. Our increasingpopulation will tremendously increase urban wastes, primarily sewage. On the other hand, increas-ing

48、 demands for water will decrease substantially the amount of water available for diluting wastes.Rapidly expanding industries which involve more and more complex chemical processes will pro-duce large volumes of liquid wastes, and many of these will contain chemicals which are poi-sonous. To feed ou

49、r rapidly expanding population, agriculture will have to be intensified. This willinvolve ever-increasing quantities of agriculture chemicals. From this, it is apparent that drasticsteps must be taken immediately to develop corrective measures for the pollution problem.There are two ways by which th

50、is pollution problem can be lessened. The first relates to thetreatment of wastes to decrease their pollution hazard. This involves the processing of solid wastesprior to disposal and the treatment of liquid wastes, or effluents, to permit the reuse of the wateror best reduce pollution upon final di

51、sposal.A second approach is to develop an economic use for all or a part of the wastes. Farm manureis spread in fields as a nutrient or organic supplement. Effluents from sewage disposal plants areused in some areas both for irrigation and for the nutrients contained. Effluents from other process-in

52、g plants may also be used as a supplemental source of water. Many industries, such as meat andpoultry processing plants,are currently converting former waste production into marketablebyproducts. Other industries have potential economic uses for their waste products.The purpose of this passage is_.A

53、.to warn the reader of the dwindling water supplyB.to explain industrial uses of waterC.to acquaint the reader with water pollution problemsD.to demonstrate various measures to solve the pollution problem答案：C 本题解析：根据文章第一段的第一句“Water problems in the future will become more intense and more complex可知将来

54、水污染的问题会变得越来越严峻和复杂。下面具体阐述了可能产生的严重问题，作者在第二段和第三段讲了解决这一问题的两个措施。所以，此文章的目的是让读者熟悉和了解水污染问题，C为正确答案。25. 下列各种法律解释中，其效力同被解释的法律一样 ，具有普遍约束力的是( )。 A.立法解释B.司法解释C.学理解释D.任意解释答案：A 本题解析：【详解】法的解释是特定的人或组织依据立法原意和法律意识对法和其他规范性文件的具体内容、含义和术语所作的分析、说明和解答。其中立法解释的主体是立法机关，其效力等同于被解释的法律。26.（ C）是指单位类客户在存人款项时不约定存期，支取时需提前通知银行，并约定支取存款日期

55、和金额方能支取的存款类型。A.单位活期存款B.单位定期存款C.单位通知存款D.单位协定存款答案：C 本题解析：jin27. It can be inferred from this passage that . A.the paradox that it is both necessary to distinguish form content and also impossible to do so cannot be resolved by rejecting its premisesB.both content and form of the work of art are illuso

56、ryC.the content and form of the work of art are separableD.aesthetic experience is not intrinsically valuable答案：A 本题解析：根据第四段的内容，康德对开始两句话的否定，表明对两个前提中的一个予以否定是不可能的，这与A项的内容相符合。28.甲、乙两个车间生产同一种仪器，甲车间生产的仪器数量每个月保持不变，乙车间生产的仪器数量每个月增加一倍。已知一月份甲、乙两个车间生产的仪器总数是98件，二月份甲、乙两个车间生产的仪器总数是106件。那么乙车间生产的仪器数量第一次超过甲车间生产的仪器数量

57、是在（）。A.3月B.4月C.5月D.7月答案：C 本题解析： 因为甲车间每个月的产量保持不变，所以乙车间一月份产量为106-98=8台，甲车间一月份产量为98-8=90台。乙车间的产量是首项为8、公比为2的等比数列。设n月份乙车间产量第一次超过甲车间产量，列不等式组82n-190，82n-290，解得n=5。 29.某代表团有756名成员，现要对A、B两议案分别进行表决，且他们只能投赞成票或反对 票。已知赞成A议案的有476人，赞成B议案的有294人，对A、B两议案都反对的有 169人。则赞成A议案且反对B议案的有（ ）。A.293 人B.297 人C.302 人D.306 人答案：A 本题

58、解析：赞成B议案的有294人，那么反对B的人有462人（756 294)。又因为 对A、B两议案都反对的有169人，那么赞成A而反对B的人有293人（462169)。30.甲乙两个项目的投资均存在一定风险，投资银行团队给张辉以下建议：在股市大幅震荡期间，一次性投资往往要承担较大风险，无论是金融海啸还是股市震荡，选择基金定投的投资者，基本上每年收益率都能保持在一定的水平，无论从抗通胀角度还是投资角度都比较平稳。基金定投的时间最好能坚持 3年以上，因为它的金额不大，投资较为分散，风险小。同时，短期灵活的资金可以尝试投资货币基金，目前的收益率在 3.5%左右。该段主要想传达的意思是( )。A.在股市

59、大幅震荡期间，基金定期投资风险最小，适合投资者B.在股市大幅震荡期间，一次性投资的风险最大，因此不宜选择C.基金定投无论时间长短，都可以帮助投资者规避风险D.基金定投应该长期坚持，因为短期基金定投的收益非常小答案：D 本题解析：暂无解析31.某人购买了一张执行价格为70美元的IBM公司的看涨期权，期权费为6美元，忽略交易成本，这一头寸的盈亏平衡价格是（）。A.64美元B.76美元C.98美元D.70美元答案：B 本题解析：在市场价格为76美元时，执行看涨期权可以以70美元的价格买入资产，然后以76美元的价格卖出，收益为6美元，成本及期权费为6美元，此时成本和收益相等，盈亏平衡。32.设想用以下的方式来教授孩