[河南]洛阳银行诚聘洛阳地区小企业信贷业务人员笔试参考题库答案详解

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1、河南洛阳银行诚聘洛阳地区小企业信贷业务人员笔试参考题库答案详解（图片大小可自由调整）第1卷一.单项选择题(共50题)1.甲公司应乙公司之邀赴北京洽谈签约，后因双方合同价款无法达成一致而未能如愿签订合同。对甲公司赴北京发生的差旅费应由（）。A.乙公司承担缔约过失责任B.乙公司承担违约责任C.乙公司承担损害赔偿责任D.甲公司自行承担答案：D 本题解析：当事人承担缔约过失责任的前提是违反国家法律规定、违背诚实信用原则，致使合同未能成立，并给对方造成损失。当事人承担违约责任的前提是合同已经成立。本题乙公司并未违反国家法律规定、违背诚实信用原则，且合同也未成立，因此无须承担责任。2.下列关于医学常识的说

2、法，错误的是( )。A.临床上一般以血红蛋白的浓度值作为诊断贫血的依据B.卡介苗是一种疫苗，一般在婴儿出生后接种，可以预防结核病C.游泳时应避免将水咽入Vl中，以免水通过鼻咽部进人中耳引发中耳炎D.人体骨密度在达到高峰值后会逐年下降，男性下降幅度较女性大答案：D 本题解析：年龄与性别是影响人体骨密度的因素之一。婴儿至青春期骨密度随年龄增长而增加且无明显性别差异。青春期之后，骨密度的增加男性较女性显著，3040岁达到最高峰值。以后骨密度随年龄的增长逐渐下降。女性下降幅度较男性大。故本题答案选D。3.面 对_的房价，现在有一种通过增加土地供给，以扩大供给来抑制房价上涨的主张，这种主张是个极大的误区

3、。填入横线部分最恰当的一项是（ ）。A.居髙不下B.奔逸绝尘C.一日千里D.居髙临下答案：A 本题解析：“居高不下”形容某种情况保持在较高的水平或者状态，没有下降的趋 势，主要指价格、行情等，用在此处形容“房价”，A项正确。“奔逸绝尘”形容走得极快；也形容 人才十分出众，无人企及。“一日千里”原形容马跑得很快，后比喻进展极快。句子要表达的意 思是现在房价过高，而不是房价上涨得过快，因此C项不合题意。“居高临下”形容占据的地 势非常有利。4.-1， 2， 63, 244, 255, 126，( )。A.35B.0C.81D.215答案：A 本题解析：-1 = 08-1，2 = 17+1，63 =

4、 26-1，244 = 35 +1 ,255 = 44-1，126 = 53 + 1, 空缺项为62-1 = 35，故本题正确答案为A。5.A.见图AB.见图BC.见图CD.见图D答案：C 本题解析：6.17，5,24，38,28，（）。A.48B.20C.30D.36答案：B 本题解析：5 17 X2 = 24， 24 5 X2 = 38， 38 24 X2 = 28，则下一项为 28 38 X2 = 20。故本题答案为B。7.把黑桃、红桃、方块、梅花四种花色的扑克牌按黑桃10张、红桃9张、方块7张、梅花5张的顺序循环排列。问第2015张扑克牌是什么花色?（）A.黑桃B.红桃C.梅花D.方块

5、答案：C 本题解析：一个完整的循环包括黑桃10张，红桃9张，方块7张，梅花5张，共31张，2015可被31整除(2015+31=65)，因此第2015张牌是梅花。8.中国农业银行私人银行的服务宗旨是A.恒业行远，至诚相伴B.诚信立业， 稳健行远C.大行德广伴您成长D.诚信立业， 稳重行远答案：A 本题解析：暂无解析9. 一、房地产开发投资完成情况 2012年15月份，全国房地产开发投资22213亿元，同比名义增长18.5，增速比14月份回落0.2个百分点。其中，住宅投资15098亿元，增长13.6，增速回落0.3个百分点，占房地产开发投资的比重为68.0。如图3所示。图32011年至2012年

6、6月全国房地产开发投资增速 15月份，东部地区房地产开发投资13036亿元，同比增长16.0，增速比14月份提高0.8个百分点；中部地区房地产开发投资4472亿元，增长22.3，增速回落2.2个百分点;西部地区房地产开发投资4705亿元，增长22.5，增速回落1.3个百分点。 15月份，房地产开发企业房屋施工面积451364万平方米，同比增长19.6，增速比14月份回落1.6个百分点；其中，住宅施工面积339036万平方米，增长17.3。房屋新开工面积72859万平方米，下降4.3，降幅比14月份扩大0.1个百分点；其中，住宅新开工面积53882万平方米，下降8.2。房屋竣工面积27306万平

7、方米，增长26.3，增速回落3.9个百分点；其中，住宅竣工面积21815万平方米，增长26.5。 15月份，房地产开发企业土地购置面积13532万平方米，同比下降18.7，降幅比14月份缩小0.6个百分点；土地成交价款2620亿元，下降10.0，降幅缩小3.7个百分点。 二、商品房销售和销售情况 15月份，商品房销售面积28852万平方米，同比下降12.4，降幅比14月份缩小1个百分点；其中，住宅销售面积下降13.5，办公楼销售面积增长3.6，商业营业用房销售面积下降1.4。商品房销售额16932亿元，下降9.1，降幅缩小2.7个百分点；其中，住宅销售额下降10.6，办公楼销售额下降8.7，商

8、业营业用房销售额增长3.9。如图4所示。图4全国商品房面积及销售额增速 15月份，东部地区商品房销售面积14098万平方米，同比下降14.1，降幅比14月份缩小1.4个百分点；销售额10259亿元，下降12.1，降幅缩小3.3个百分点。中部地区商品房销售面积6962万平方米，下降10.2，降幅缩小1.8个百分点；销售额3072亿元，下降2.9,降幅缩小3.2个百分点。西部地区商品房销售面积7792万平方米，下降11.1，降幅扩大0.4个百分点；销售额3601亿元，下降5.0，降幅缩小0.2个百分点。 5月末，商品房待售面积30740万平方米，比4月末增加432万平方米。其中，住宅待售面积增加2

9、78万平方米，办公楼增加6万平方米，商业营业用房增加43万平方米。如表1至表3所示。表12012年15月份全国房地产开发和销售情况表22012年15月份东中西部地区房地产开发投资情况表32012年15月份东中西部地区房地产销售情况2012年15月以下哪类地区房地产销售单价同比上涨比例最高？（）A.西部地区B.东部地区C.中部地区D.全国地区总计答案：C 本题解析：西部、东部、中部和全国地区总计的上涨比例结果分别为，。显然，第三个式子的分子最大且分母与其他数的相差不大，因此该比值最大，即中部地区房地产销售单价同比上涨比例最高。10.For the past 3, 000 years, when

10、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 or swiping a smartphone has become normal. Now t

11、his 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. But the direction of travel is clear, and in so

12、me 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 Nordic countries. America is perhaps a deeade behin

13、d. 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 payment systems that plug scamlessly into their dig

14、ital 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 is a high cost to running the infrastructure behi

15、nd 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. In rich countries, minting， sorting， storing an

16、d 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 vastly expands the playground of small businesse

17、s 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 power blackouts and cyber- atacks- this weck Capital

18、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 shopping habits and private titans exploit their pe

19、rsonal 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 on the eleetronic pipes for digital payments, as

20、 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 in Sweden and the Netherlands. Competition should

21、 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, so that the plumbing remains anonymous. Digital fi

22、rms 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; others will want to pay to be left alonc.Last,

23、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 access in rural areas. The rush towards digital m

24、oney 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, what is the crrt method for banks and digtal firms to deal with customers privacies? ( ) A.Ban

25、ks, under the govemments supervisions, need to fulfill the obligations of keeping customer information privateB.Banks should cooperate with advertisement companies to sell customers privacies for better profitsC.Digital firms do not have to protect users privacies as long as their business model is

26、made explicit to usersD.Banks should assume that all the customers are glad to enjoy firee services even their privacies are being tracked答案：A 本题解析：由倒数第二段“goverments should maintain banks obligation to keep customer information private, so that the plumbing remains anonymous. (政府应该保持银行对客户信息保密的义务，这样银

27、行的信息管道才能保持匠名。”可知A项表述正确，所以.答案选A。11.实验室有足够量的浓度为20%和50%的硫酸溶液，现需要30%的硫酸300毫升，需如何进行配置?（）A.甲乙两种溶液各取150毫升B.甲溶液取300毫升，乙溶液取150毫升C.甲溶液取200毫升，乙溶液取100毫升D.甲溶液取100毫升，乙溶液取200毫升答案：C 本题解析：设甲乙各取X、Y，根据溶质质量可列出方程20%X+50%Y=30%300，化简得：2X+5Y=900，只有C满足。A、B、D错误，所以选C。12.知觉恒常性：知觉系统能在一定范围内保持对客观事物的稳定认识，而不随知觉条件或感觉映像模式的改变而改变。 下列属于

28、知觉恒常性的是( )。A.5岁的明明第一次坐飞机，在空中看到地面的人小的像蚂蚁，很是奇怪“人怎么变得那么小了 ”B.同样的水，由大杯子倒进了小杯子，明明觉得水变多了C.明明坐车的时候，看到路两旁的树也在跑，感到很疑惑D.妈妈今天换了一身衣服，头发也染了颜色，但明明还是一眼就认出了妈妈答案：D 本题解析：根据定义，知觉恒常性使人保持对事物的稳定认识，A、B、C都随着感觉条件的变化而变化了，因此，不符合定义。13.表1:2013 年4 月是大城市新建住宅价格指数表2:2013 年4 月十大城市主城区二手住宅价格指数2013 年4 月十大城市新建住宅同比上涨幅度最低的是（ ）。A.北京B.上海C.杭

29、州D.天津答案：C 本题解析：根据表1 第3 列，可知C 正确。14.你突然发现前方有一个棕色的东西，走上前拿起来一看，好像是某个种植园的账簿。其中比较清晰的一页似乎记载了某几年的收成：根据本子上的记载，你可知道哪项信息?A.种植园第二年产量增长率要高于第三年B.第一年种植园南区的单位面积产量要高于北区C.种植园第二年的单位面积产量最高D.三年中，南区单位面积产量的波动比北区大答案：D 本题解析：暂无解析15.与其他一般企业相比，银行的突出特点是（ ）。A.要求有较高的资本金B.高负债经营C.员工素质特别高D.工作环境好答案：B 本题解析：暂无解析16.组织结构扁平化是通过（ ）实现的。A.增

30、大管理跨度、增多管理层次B.缩小管理跨度、增多管理层次C.增大管理跨度、减少管理层次D.缩小管理跨度、减少管理层次答案：C 本题解析：暂无解析17.A.见图AB.见图BC.见图CD.见图D答案：C 本题解析：每个图形都有五个交点。18.每月8 号是红宸宇达发放工资日，9 月8 日时已计提工资600 000 元，企业应代扣代缴个人所得税为80 000 元，为职工垫付的房租20 000 元。对于宏辰宇达来说，以下正确的会计分录是（ ）。A.借：应付工资600 000贷：银行存款600 000B.借：应付工资600 000贷：应交税金一个人所得税80 000其他应收款20 000银行存款500 00

31、0C.借：应付工资600 000其他应收款20 000贷：应交税金一个人所得税80 000银行存款500 000D.借：应付工资600 000贷：应交税金一个人所得税80 000银行存款500 000答案：B 本题解析：企业发放工资时，借记“应付职工薪酬”科目，贷记“银行存款”“库存现全”“其他应收款”“应交税费一应交个人所得税”等科目。借贷金额合计相等。19.Being financially secure in retirement just doesnt happen magically It takes lots of planning time and savingsSome sca

32、ry facts about retirement?More than 50% of persons do not have enough finances for retirement?25%do not participate in their companys retirement plan?The average person spends 20 years in retirementHere are some tips to help you plan correctly1. Talk to a financial professional. Every few years its

33、a good idea to schedule a meeting with a financial planner to get a “check-up”. Its just like a doctors visit and you should really talk about your present situation and future goals2. Save and keep on saving. Make it a habit to save as much as you can3. Learn your retirement needs. Retirement can b

34、e expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator4. Take part in your employers retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for al

35、l your options5. Learn about pension. If you have an employer or government pension plan learn all the details6. Keep your retirement savings off-limits. Dont make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goalsAccording to the passage, reti

36、rement plans may be offered by_A.the governmentB.both the employer and the governmentC.the employerD.the employer the government and the media答案：B 本题解析：细节题。根据关键词定位到原文段标号5“If you have an employer or government pension plan learn all the details”可以得知，养老金的计划是涉及雇主和政府双方面的，故B项符合。其余三项都片面，没有说全。因此答案选B。20.201

37、4 年 9 月 16 日，央行对五大航实施 5000 亿 SLF 操作，性质类同基础货币的投放，近似全、面降准 0.5 个百分点。中国人民银行于 2013 年初创设了常备借贷便利，简称 SLF。下列关于常备借贷便利的叙述不正确的是（） 。A.中国人民银行正常的流动性供给渠道B.主要功能是满足金融机构期限较长的大额流动性需求C.对象主要为政策性银行和全国性商业银行D.期限为 3 至 5 个月答案：D 本题解析：中国人民银行于 2013 年初创设了常备借贷便利。它是中国人民银行正常的流动性供给渠道，主要功能是满足金融机构期限较长的大额流动性需求。对象主要为政策性银行和全国性商业银行。期限为 1-3

38、 个月。利率水平根据货币政策调控、引导市场利率的需要等综合确定。常备借贷便利以抵押方式发放，合格抵押品包括高信用评级的债券类资产及优质信贷资产等。21.据抽样调查，上海市城市居民家庭人均可支配收入构成情况及部分城市城镇居民家庭人均可支配收入增长情况如表4、图1所示：表42014年第一季度上海市城市居民家庭人均可支配收入增长情况图12014年第一季度部分城市城镇居民家庭人均可支配收入增长情况2014年第一季度，上海市城市居民家庭人均可支配收入增长中，转移性收入增长所占比重为（）。A.2.8B.11.6C.12.4D.22.1答案：D 本题解析：由表格数据可得，所求为24%，D项最接近。22.Ma

39、rch 3,2006Asa Mitchell7690 Cardinal Hill #34Melbourne, VictoriaDear Mr. Mitchell,I have the great privilege of inviting you to the sixteenth annual Fight Cancer Foundation(FCF) celebrator dinner and fundraiser on the evening of March 21. We have had tremendous success over the last year in collectin

40、g donations and forwarding them to organizations committed 47 a cure for cancer. Come help us celebrate that success!This will be a black-tie event, and all of FCFs board members and executives will be48.Dinner, drinks, and musical entertainment will be provided. Ordinarily, tickets to this event co

41、st $100 per person. However, as a regular and generous contributor to our worthy cause, you will receive two tickets absolutely49All guests will of course have the opportunity to make additional donations at the dinner. We at the Fight Cancer Foundation thank you for your support,and we hope you can

42、 join us on March 21st.Sincerely,Valerie Sobetzki阅读以上短文，回答194-196题。第47题答案是_A.to findingB.findingC.to findD.find答案：A 本题解析：如果知道短语“commit oneselfto doing”(自觉努力做。献身)就可以很容易地解答此题。23.一2， 一1， 1， 5，( )。A.12B.13C.14D.15答案：B 本题解析：解析这是一个差后等比数列，因此答案为5 + 4X2 = 13。24.看似简单的铅笔由笔杆、笔芯、笔帽几个部件组成，但实际原料和制造工艺都非常复杂。世界上没有一个人

43、掌握了制造一支铅笔所需要的全部知识，每-一个参与生产铅笔的人，也不知道自己的努力会促成一支铅笔的产生，这些人生活在世界不同的角落，但共同合作，源源不断制造出铅笔。这体现出了经济学的哪个经典理论?()A.供求理论B.看得见的手C.博弈论D.看不见的手答案：D 本题解析：市场经济的作用，看不见的手的原理。25.作品价值是要经过历史来证实的，历史终会以其特有的坚韧来淘沥出属于那个时代的作品。而时下的文学创作越写越粗糙，创作态度越来越轻薄，作品流于表面的热闹和肤浅已渐成势头，迎全与屈从的态势正在蔓延。不少人囿于一室之中，通过网络的便利下载着自己的梦想，写作状态越来越倾向于闭门造车，仿佛一夜即可成惊世之

44、作。其实电脑网络抓去了你的眼球，也抓走了你的认识和判断力，使你的眼界不宽，胸怀狭窄；没有创意，毫无生机。这种剪接、拼凑成的“创作”，是丝毫没有生命力和美学价值的。下列不是造成目前文学作品低俗的原因的一项是( )。A.作者的创作态度比较轻薄.作品流于表面的热闹和肤浅B.作者极少接触和关注社会人生，造成视野狭窄，了无创意C.网络的便利使人们变得懒惰而浮躁，出现了拼凑、剪接式的文章D.作品面世的时日尚短，还没有经过历史的淘洗与证明答案：D 本题解析：D项“作品面世的时日尚短”在文段中没有提及，“还没有经过历史的淘洗与证明”也不是当前文学作品低俗的原因。其他三项均可在文段中找到依据。故本题答案选D。2

45、6.根据以下内容，回答212-216题。Rising wages - together with currency fluctuations and high fuel costs - are eating away theonce-formidableChina price advantage, prompting thousands of factory owners to flee the PearlRiver Delta. Much has been written about the more than doubling of wages at the Shenzhen factor

46、yof Foxconn, the worlds largest electronics contract manufacturer, which produces Apple iPhonesand iPads and employs 920,1300 people in China alone.One can talk about a world pre- andpost- Foxconn, says Victor Fung, chairman of Li & Fung, the worlds biggest sourcing companyand a supplier of Wal-Mart

47、. Foxconn is as important as that.Foxconns wage increases are only the most dramatic. Our analysis suggests that, sinceFebruary, minimum wages have climbed more than 20 percent in 20 Chinese regions and up to 30percent in some, including Sichuan. At a Guangdong Province factory supplying Honda, Wage

48、s haverisen an astonishing 47 percent. All this is bad news for companies operating in the worldsmanufacturing hub, and chief executives should assume that double-digit annual rises - if not onthe scale witnessed this year - are here to stay.Looked at another way, however, wage inflation provides co

49、mpanies with a once-in-a-generation opportunity to rethink radically the way they approach global production - and theyshould do so sooner rather than later.Why the urgency? After all, wage hikes in China are nothing new. Since 1990, they have risenby an average of 13 percent a year in U.S. dollar t

50、erms and 19 percent annually in the past fiveyears.There are two big reasons the situation is different now. The first has to do with productivity.Over the past 20 years, productivity increases have broadly matched wage increase, negatitlg theirimpact. The pay rises came from a very low base, so whi

51、le average wages grew 19 percent a yearfrom 2005 to 2010, this amounted to only 260 a month per employee, a sum that could be offsetby more efficient production or switching to cheaper sources of parts and materials.If labor costs continue, however, to increase at 19 percent a year for another five

52、years,monthly wages would grew ￥623 per month, according to BCG estimates. Such an increase wouldripple through the economy in the form of higher prices for components, business services, cargo-handling and office staff.The second reason relates to societal change. Until now, if has been easy to lur

53、e a seeminglyunlimited number of young, low-wage workers to the richer coastal regions and house them cheaplyin dormitories until they saved enough to return home to their famihes in the interior provinces. Inthe future, though, young workers will be harder to recruit. This is partly because there w

54、ill befewer of them: Largely because of the countrys one-child policy, the number of Chinese aged 15to 29 will start declining in 2011. Moreover, with living standards rising across China, fewer oftodays rural youth will want to go to coastal regions to toil for 60 hours a week on an assemblyline an

55、d live in a cramped dormitory.So what can CEOs do in this fast-changing environment? An instinctive reaction is to searchfor cheaper labor elsewhere. But this is short-sighted and would provide - at best - a short-termfix. Another option is to stay in China and try to squeeze out greater productivit

56、y gains.According to paragraph 1 and 2, we can summarize that （）.A.China will always boast a very impressive price advantage around the globeB.Foxconn s rising wage is just a one-sided caseC.Souring wages has improved a widespread impact on foreign companiesD.Foxconn is a manufacturer of great signi

57、ficance to China答案：B 本题解析：此题根据前两段的解读，可以得知答案。27.某班有70%的学生喜欢打羽毛球，75%的学生喜欢打乒乓球，问喜欢打乒乓球的学生中至少有百分之几喜欢打羽毛球？（）A.30%B.45%C.60%D.70%答案：C 本题解析：本题考査容斥原理。设该班共有200人,则喜欢打羽毛球的有140人，喜欢打乒乓球的有150人;要使喜欢打羽毛球的人中喜欢打乒乓球的最少,那么所有不喜欢打羽毛球的人都喜欢打乒乓球，即200140=60人，此时喜欢打乒乓球的学生中喜欢打羽毛球的人数为15060=90人,_比例为90+150=60%。故正碥答案为C。28.According

58、 to the passage, which aspect of skyscrapers was some residents of Boston con-cerned with in the late 1960s?_A.The poor reception of radio and TV signalsB.The removal of trees and grass from building sitesC.The harmful effects on the citys plantsD.The obstruction of air traffic答案：C 本题解析：细节理解题。文章倒数第二

59、段的最后一句谈到了这一点：“In Boston in the late 1960s，some Deople eveH feared that shadows from skyscrapers would kill tIle grass on Boston Common波士顿有些居民害怕摩天大楼的反光会杀死青草即他们担心摩天大楼会对城市的植物造成有害的影响。29.根据下列内容，回答216-220题。Bum rate is the speed at which a startup business consumes money. My rate would be $50,000 amonth when my new media company started. So, I began looking around for individuals who wouldbe my first investors.Angel money it was called. But when I reviewed my list of acquaintances tofind those who might be able to help, I found the number got small