[江苏]2022无锡农村商业银行科技工作人员招聘笔试参考题库答案详解

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1、江苏2022无锡农村商业银行科技工作人员招聘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.总需求是经济社会对物品和劳务的需求总量，在封闭经济条件下，总需求的构成一般不包括（ ）。A.消费需求B.投资需求C.政府需求D.社会需求答案：D 本题解析：封闭经济的总需求包括消费、投资、政府需求。2.甲与乙订立买卖合同，合同到期，甲按约定交付了货物，但乙以资金紧张为由迟迟不支付货款。之后，甲了解到，乙借给丙的一笔款项已到期，但乙一直不向丙催讨欠款，于是，甲向人民法院请求以甲的名义向丙催讨欠款。甲请求人民法院以自己的名义向丙催讨欠款的权利在法律上称为( )。A.代位权B.不

2、安抗辩权C.撤销权D.后履行抗辩权答案：A 本题解析：本题考核代位权。代位权是指因债务人怠于行使其到期债权，对债权人造成损害债权人可以向人民法院请求以自己的名义代位行使债务人的债权。3.中国读者对英国作家奈保尔作品的阅读，有些（ ）：他的写作在上世纪六七十年代达到高峰，他在文字中所透露出的对第三世界文明的观察，已经在国际上讨论了几十年；但是，直到2001年奈保尔获得诺贝尔文学奖之后，他才仿佛具有了可以出现在中国读者眼前的某种（ ）。A.反常优势B.冷淡契机C.消极魅力D.迟缓资格答案：D 本题解析：第一步，突破口在第一空。根据“：”可知，后文对所填词语进行解释说明。后文提到“他的写作在上世纪六

3、七十年代达到高峰，他在文字中所透露出的对第三世界文明的观察，已经在国际上强烈讨论了几十年”，随后通过转折关联词“但是”强调，直到2001年，奈保尔获得了诺贝尔文学奖之后，他才出现在中国读者眼前。这说明中国读者对奈保尔的阅读比较滞后、多年后才进行。D项“迟缓”指缓慢，符合中国读者对奈保尔的阅读在多年后才开始的语境。A项“反常”指异常，跟正常情况不同；B项“冷淡”指冷落、怠慢、不亲热；C项“消极”指否定的，反面的，消沉的。三者均没有“滞后”之意，排除A项、B项和C项。答案锁定D选项。第二步，验证第二空。“资格”指所应具备的条件，照应前文提到的“直到2001年获得了诺贝尔文学奖”，也就是获得诺奖之后

4、他才仿佛有了“资格”，符合语境。因此，选择D选项。4.The author of this essay seems to suggest that （）.A.the Asian Crisis is the result of ASEAN pandering to terrorist governmentsB.there is not a serious economic problem in Southeast Asia at allC.the devaluation of Malaysias currency is due to the American plotD.the economic

5、 problems in some Asian countries is partly the result of their overheatingeconomy答案：D 本题解析：在一些亚洲国家，其经济问题主要是由于它们让经济变得过热。5.大学生小王参加研究生人学考试，一共考了四门科目：政治、英语、专业科目一、专业科目二。政治和专业科目一的成绩之和与另外两门科目的成绩之和相等。政治和专业科目二的成绩之和大于另外两门科目的成绩之和。专业科目一的成绩比政治和英语两门科目的成绩之 和还高。根据以上条件，小王四门科目的成绩从高到低依次是（ ）。A.专业科目一、专业科目二、英语、政治B.专业科目二、

6、专业科目一、政治、英语C.专业科目一、专业科目二、政治、英语D.专业科目二、专业科目一、英语、政治答案：B 本题解析：形式推理题。题干可简写为：（1）政治+专一=英语+专二；（2）政治+专二 英语+专一；（3）专一 政治+英语。由（1）+ （2）可知，政治 英语，排除A、D；由（2）（1）可知，专二 专一，排除C。故选B。6.Questions 99-101 refer to the following letter.March 3,2006Asa Mitchell7690 Cardinal Hill #34Melbourne, VictoriaDear Mr. Mitchell,I have

7、 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 collecting donations and forwarding them to organizations committed (1)_ a cure for cancer. Come

8、 help us celebrate that success!This will be a black-tie event, and all of FCFs board members and executives will be (2)_ Dinner, drinks, and musical entertainment will be provided. Ordinarily, tickets to this event cost $100 per person. However, as a regular and generous contributor to our worthy c

9、ause, you will receive two tickets absolutely (3)_All 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 join us on March 21st.Sincerely,Valerie Sobetzki第(1)处应填_A.to findingB.findingC

10、.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。7.根据中华人民共和国消费者权益保护法，关于消费者的“依法求偿权”的说法正确的是（）。A.只有商品的购买者、使用者或服务的接受者可以作为求偿权的主体B.非消费者的第三人在事故现场受到损害，不能享有依法求偿权C.消费者可以要求人身损害赔偿，既包括生命健康损害赔偿，也包括精神损害赔偿D.消费者可以要求财产损害赔偿，但只包括直接损失答案：C 本题解析：依法求偿权是指消费者因购买、使用商品或者接受服务受到人身、财产损害的，享有依法获得赔偿的权利，它是弥补消

11、费者所受损害的必不可少的经济性权利。享有求偿权的主体除因购买、使用商品或接受服务而受到人身、财产损害的消费者外，还包括因为偶然原因在事故发生现场受到损害的其他人。8.根据文中划线部分内容，可以求出的选项为（ ）。12002年各类企业科技活动经费支出22003年全国总科技活动经费支出32002年全国总科技活动经费支出A.1B.1与2C.2与3D.1、2与3答案：B 本题解析：3只能通过“各类企业科技活动经费支出占全国总科技活动经费支出的比重比上年提高了1.2个百分点”得出，而这句话没有被划上线，3不能求出，从划线部分可以求出2002年各类企业活动经费支出为960.2（1+21.9%）；2003年

12、全国总科技活动经费支出为162.310.5%，所以只能求出1和2。9.强迫症：以强迫观念和强迫动作为主要表现的一种神经症。以有意识的自我强迫与有意识的自我反强迫同时存在为特征，患者明知强迫症状的持续存在毫无意义且不合理，却不能 克制的反复出现，愈是企图努力抵制，反愈感到紧张和痛苦。根据上述定义，下列不属于强迫症的是（ ）A.孙某想到“幸福”立即出现“苦难”，说到“好人”就会想到“坏蛋”，他思考问题或说话时总会去想到词的反面，且经常会因为两种对立的词句反复在脑中相继出现而感到苦恼和紧张B.张某驾车在路口转弯时不小心撞伤了一个路人，此后张某驾车路过这个路口总是仔细 观察路况，小心行车C.李某出门后

13、总是疑虑门窗是否确定已经锁好，经常反复数次回去检查，否则会感焦虑不安D.赵某每次路过银行，总会产生冲进银行，进行抢劫的想法，因此赵某见到银行总要绕道而行答案：B 本题解析：据定义可知，强迫症的特点是患者明知症状的持续存在毫无意义且不合理，B项 中张某的做法是有意义的、合理的，因而不是强迫症。故选B项。10.根据电视收视率调査，看体育节目的观众中青年人比中老年人要多。由此可推断出（）A.体育节目可能更适合青年人的兴趣B.体育节目是专属青年人的运动C.中老年人不喜欢体育节目D.青年人比中年人更擅长体育运动答案：A 本题解析：“看体育节目的观众中青年人比中老年人要多”，说明青年人对体育节目的兴趣比老

14、年人要大。11.One day a man found a cocoon （茧） of a butterfly in the forest. He sat there for severalhours and watched the butterfly. Suddenly a small opening appeared, and the butterfly made its great effort to force its body through that little hole. Then it seemed to stop making any progress. It appear

15、ed as if it had gotten as far as it could and it could go no further.So the man decided to help the butterfly. He cut off the remaining bit of the cocoon so that the butterfly could come our easily. But to his surprise, the butterfly got a heavy body and very small wings when it came out of the coco

16、on. The man continued to watch the butterfly because he expected that the body would grow smaller at any moment and the wings would become larger and be able to fly. But neither happened! In fact, the butterfly spent the rest of its life crawling （爬） around with a heavy body and small wings. It was

17、never able to fly. The man was in his kindness, but he did not understand the nature rules. Before the butterfly came out of the cocoon, fluid （流体） from its body must be forced into its wings, and then it would be ready for flying. It must have a hard struggle （拼搏） to get through the small opening t

18、o get its freedom from the cocoon. Sometimes struggles are exactly what we need in our life. If God allowed us to go through our life without any difficulties, it would make us fail. We would not be as strong as we could have been; we could never fly.What is the best title for the story?A.The Love f

19、or the CocoonB.The Joy of Helping Each OtherC.The Lesson of the CocoonD.The Expectation for the Butterfly答案：C 本题解析：暂无解析12.在“十三五”期间，华润置地提出“销售物业+投资物业+X”商业模式，其中包括住宅、写字楼、商业综合体、长租公寓、产业小镇等多方面业务。经过年的高速发展，中国城镇化率已突破60%，城市市民逐渐占据主导地位。随着城市人口的增多，城市规模的扩大，城市数量的增加，城市人口居住、生活、就学、就业等刚性需求大量增加。进入后工业时代，以速度著称的城镇化内涵亟需改变，即推

20、进城市化进程由“速度化”转向“深度化”。目前，重住宅、轻配套、缺产业以及摊大饼式地不断外扩导致城市功能分配不平均。与此同时，污染、噪音、交通等方面的生态环境恶化，令人们的都市生活质量受到严重影响。对这段文字理解正确的是（）。A.我国目前城镇化将要突破60%B.推进城镇化进程，需要由“深度化”转向“速度化”。C.污染、噪音等方面的生态环境恶化未令都市生活受到严重影响D.我国城镇化取得一定成果，但仍存在一些问题。答案：D 本题解析：文段并列了两个方面的内容，城镇化的成果以及面临的问题，D项为全文内容的归纳概括，答案为D。A项偷换时态，文段为“已突破”，而不是“将要突破”，排除A。B项应为由“速度化

21、”转向“深度化”，排除B。C项偷换动作，文段应是“生态环境恶化令人们的都市生活质量受到严重影响”，排除C项。故本题正确答案选D。13.discovered that my baggage had been lost. I didnt have any choice but to wait at the airport for fivehours while your employees tried to trace the whereabouts of my baggage. I left the airport without mybelongings as I had an importa

22、nt meeting to attend.It has been one week, and I have not been contacted regarding my baggage. For this reason, I stronglyfeel that I should be compensated for the items that were lost. I hope to hear from your office ( )the week.Sincerely yours,NATHAN HALLA.withinB.fromC.sinceD.near答案：A 本题解析：暂无解析14

23、.He apologized for having failed to assess the extent of corruption and _of power.A.abuseB.damageC.mistreatD.injure答案：A 本题解析：考查词义辨析。abuse 滥用；辱骂；damage 损害，破坏；mistreat 虐待；injure伤害，损害。根据句意，这里是指贪污腐化和权利滥用，故用abuse。15.某大型百货商场库存新到一批商品，按期望获得60%的利润来定价，结果销售掉80%的商品，商场看到行情较好，决定开始提价销售，这样所获得的全部利润，是原来所期望的利润12倍。那么，商

24、场后来的价格是原来的多少倍?（）A.1.475B.1.425C.1.525D.1.375答案：D 本题解析：设提价后的商品利润率为x。根据十字交叉法16.Directions： Read the texts that follow. Each text is followed by several questions. Select the best answer for each question. Questions 15 refer to the following passage Youre busy filling out the application form for a pos

25、ition you really need；lets assume you once actually completed a couple of years of college work or even that you completed your degree Isnt it tempting to lie just a little， to claim on the form that your diploma represents a Harvard degree? Or that you finished all extra couple of years back at Sta

26、te University？ More and more people are turning to utter deception like this to land their job or to move ahead in their careers， for personnel officers， like most Americans， value degrees from famous schools. A job applicant may have a good education anyway， but he or she assumes that chances of be

27、ing hired are better with a diploma from a wellknown university. Registrars at most wellknown colleges say they deal with deceitful claims like these at the rate of about one per week Personnel officers do check up on degrees listed on application forms， then. If it turns out that an applicants lyin

28、g， most colleges are reluctant to accuse the applicant directly. One Ivy League school calls them impostors； another refers to them as special cases. One wellknown West Coast school， in perhaps the most delicate phrase of all， says that these claims are made by no such people To avoid outright lies，

29、 some jobseekers claim that they attended or were associated with a college or university. After carefully checking， a personnel officer may discover that attending means being dismissed after one semester. It may be that being associated with a college means that the jobseeker visited his younger b

30、rother for a football weekend One school that keeps records of false claims says that the practice dates back at least to the turn of the centurythats when they began keeping records， anyhow. If you dont want to lie or even stretch the truth， there are companies that will sell you a phony diploma On

31、e company， with offices in New York and on the West Coast， will put your name on a diploma from any number of nonexistent colleges. The price begins at around twenty dollars for a diploma from Smoot State University. The prices increase rapidly for a degree from the University of Purdue As there is

32、no Smoot State and the real school in Indiana is properly called Purdue University， the prices seem rather highly for one sheet of paper.This passage implies that（）A.buying a false degree is not moralB.personnel officers only consider applicants from famous schoolsC.most people lie on applications b

33、ecause they were dismissed from schoolD.society should be greatly responsible for lying on applications答案：D 本题解析：本题关键句是As there is no Smoot State and the real school in Indiana is properly called Purdue University， the prices seem rather high for one sheet of paper. 由此可以推断出文章其实暗含着社会应该倡导诚信风气。17.Direc

34、tions： Read the texts that follow. A word or phrase is missing in some of the sentences. Four answer choices are given below each of the sentences. Select the best answer to complete the text. Questions 13 refer to the following letters. Geneva Designer Interiors， San Francisco Division May 17 Kelly

35、 OReilly Managing Director Geneva Designer Interiors Los Angeles Dear Ms. OReilly， As per your1， I have sent you a detailed copy of the minutes from our yearly planning meeting with our board members. Below， I have summarized the key points from the meeting： 1The proposal from headquarters to implem

36、ent a pay raise for senior staff members was 2approved 2A minimum 6 months hiring freeze was also unanimously approved to ensure adequate funds to cover the pay raises. 3However， the suggestion from headquarters to cut charitable donations by 15 was rejected by a vote of 62. 4Instead， a proposal was

37、 also made to cut the advertising budget by 10 to3additional funds. These additional funds can be used to hire temporary staff members during the hiring freeze 5A question was raised as to whether the pay raise would also entail additional responsibilities for senior staff members. Temporary workers

38、 could assist with additional responsibilities during the hiring freeze Sincerely， Jennifer Wilson San Francisco Store Manager3（）A.resideB.dismountC.provideD.distract答案：C 本题解析：根据上下文和选项，可知此处表达“减少广告预算可以提供更多资金”，选项中C项符合文意。provide提供；准备。reside居住；属于。dismount下车；使下马。distract转移；分心。18.价值形式的演变过程中，一种商品的价值表现在与它相交

39、换的一系列商品上，这种商品的价值充分地表现为无差别的人类劳动的凝结。这种价值形式是（ ）。A.简单的价值形式B.扩大的价值形式C.一般的价值形式D.货币的价值形式答案：B 本题解析：暂无解析19.What did mother do with her daughters letter asking forgiveness?_A.She had never received the letterB.For years, she often talked about the letterC.She didnt forgive her daughter at all in all her lifeD

40、.She read the letter again and again till she died答案：D 本题解析：根据最后一段“aphoto ofmyfather and aone-pageletter，folded and refoldedmanytimes”可知应选D。20.下列选项中一定能同时被2，3，4，5整除的数是（）。（其中X是小于10的自然数，Y是0）A.7XY5XYYB.2XX4YXYC.7XX5XYYD.6XX4XYY答案：C 本题解析：能同时被2或5整除的数字，末一位是0，那么这四个选项都符合，其次，能被3整除的数字，各位数字加和是3的倍数，A项加和等于12+2X，B

41、项加和等于6+3X，C项加和等于12+3x，D项等于10+3x，A、D两项不能被3整除；排除A、D。在B、C中能被4整除的数字应看选项的后两位，C选项后两位是00，一定能被4整除，因此C选项正确，A、B、D选项错误。所以答案选C。21.矿产资源是指一批由地质作用形成的，具有利用价值的，呈固态、液态、气态的自然资源。根据上述定义，下列不是矿产资源的是（ ）A.煤炭B.石油C.森林D.天然气答案：C 本题解析：C项并非地质作用形成的。22.根据下列内容，回答201-205题。In the late 1960s, many people in North America turned their a

42、ttention to environmentalproblems, and new steel-and-glass skyscrapers were widely criticized. Ecologists pointed out that acluster of tall buildings in a city often transportation and parking lot capacities.Skyscrapers are also lavish consumers, and wasters of electric power. In one recent year, th

43、eaddition of 17 million square feet of skyscraper office space in New York City raised the peak dailydemand for electricity by 120,000 kilowatts-enough to supply the entire city of Albany, NewYork, for a day.Glass-walled skyscrapers can be especially wasteful. The heat loss (or gain) through a wall

44、ofhalf-inch plate glass is more than ten times that through a typical masonry wall filled with insula-tion board. To lessen the strain on heating and air-conditioning equipment, builders of skyscrapershave begun to use double-glazed panels of glass, and reflective glasses coated with silver or goldm

45、irror films that reduce glare as well as heat gain. However, mirror-walled skyscrapers raise thetemperature of the surrounding air and affect neighboring buildings.Skyscrapers put a severe strain on a citys sanitation facilities, too. If fully occupied, the twoWorld Trade Center towers in New York C

46、ity would alone generate 2.25 million gallons of rawsewage each year-as much as a city the size of Stamford, Connecticut, which has a population ofmore than 109,000.Skyscrapers also interfere with television reception, block bird flyways, and obstruct air traf-fic. In Boston in the late 1960s, some

47、people even feared that shadows from skyscrapers would killthe grass on Boston Common.Still, people continue to build skyscrapers for all the reasons that they have always builtthem-personal ambition, civic pride, and the desire of owners to have the largest possible amountof rentable space.The main

48、 purpose of the passage is to_.A.discuss the advantages and disadvantages of skyscrapersB.compare skyscrapers with other modern structuresC.describe skyscrapers and their effect on the environmentD.illustrate various architectural答案：C 本题解析：主旨题。本篇短文的主要目的是描述摩天大楼以及摩天大楼对环境造成的影响。文章的第一段是主题段(topic sentence

49、)。作者在这一段中首先从整体上提出了摩天大楼对环境造成的影响；然后在下面的几段中具体地从几个方面论述了对环境造成的影响。23.现在是上午8点整，请问过1500分钟后是（）点。A.上午8点B.下午8点C.上午9点D.下午9点答案：C 本题解析：1500分钟为150060=25个小时，所以上午8点过25个小时后是上午9点。故答案选择C。24.Questions refer to the following passage. Downtown Artisans Club Art Exhibit Please mark Saturday, October 21, on your calendars s

50、o that you can attend the inaugural Downtown Artisans Club Art Exhibit! There will be beautiful works of art and pottery,crafted by the Downtown Artisans Club,available for showing as well as for sale. The remarkably talented young artists have worked all summer to prepare for this event, which prom

51、ises to impress and astound. Visitors will have an opportunity to meet these talented artists. All proceeds from this event will be contributed to the continued operations of the Downtown Artisans Club,which provides amazing classes and support for young artists. Tickets are on sale now and are avai

52、lable for $10 （adults） and $5（students and seniors）. Children under the age of 12 will be admitted for free. The Downtown Artisans Club looks forward to seeing you there！ Please contact Jim at（905）4128980 for more information. Downtown Artisans Club Art Exhibit Deadline for your art submission！ To a

53、ll our talented young artistsget ready for our upcoming Art Exhibit！As you all know our Downtown Artisans Club Art Exhibit is coming up exactly one month from today. Paintings,drawings,sculptures and writing will be neededfor both the show and the sale！ Dont forget to have them completed and handed

54、in by next Friday to secure your spot in our show. Remember,there will also be cash awards,judged by our panel of art critics,and the winning pieces will be featured in our Art Book. The artists of the winning pieces will also be invited to attend the 2-week summer art camp in Paris next summer. Hav

55、e fun and please submit your artwork on time ！For whom is the announcement intended？（）A.ArtistsB.ResidentsC.JimD.Judges答案：B 本题解析：由文章可知，这是面向普通市民的宣传。25.Why is small talk described as non-threatening talk in a threatening situation?_A.It is used by people to encourage those who are confronted with dang

56、erB.It is used to show that one is enthusiastic and hospitableC.It is used to create a more friendly atmosphere and to avoid embarrassmentD.It is used by people to protect others in the threatening situation答案：C 本题解析：联系下文可知，琐谈的作用之一就是使得自己和周围的人在一些场合能感到放松。从谈话的内容来看，琐谈有利于营造一种轻松的气氛。故选C项。26.下列能够用于电器设备起火的灭火

57、工具是（ )泡沫灭火器干粉灭火器二氧化碳灭火器水枪A.B.C.D.答案：D 本题解析：遇有电气设备着火时，应立即将有关设备的电源切断，然后进行救火。对可能带电的电气设备以及发电机、电动机等，应使用干粉式灭火器、二氧化碳灭火器或1211灭火器灭火；泡沫灭火器内有两个容器，分别盛放两种液体，它们是硫酸铝和碳酸氢钠溶液，有腐蚀性，不易于电气设备起火的扑救;水非绝缘体，不能用在电气设备上。故本题选D。27.随着人们文明祭奠亡者观念的变化，在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受的同时，网络祭扫作为文明环保祭奠亡者的方式之一，也悄然走进人们的生活。与传统祭扫形式相比，网上祭扫更为

58、方便、快捷、也更加环保。人们只需轻点鼠标，就可以通过网上献花、点歌、燃蜡烛、写纪念文章等形式，表达对故去亲朋好友的思念。网上祭奠因其突破了传统祭奠方式的局限，更富个性而备受年轻人的青睐。这段话主要告诉我们（ ）A.绿色、环保的安葬亡灵方式以及网上祭扫被人们广泛采用B.网上祭扫与传统祭扫形式相比,优势更为明显C.人们通过新型绿色、环保的安葬亡灵方式，以及网络祭扫表达对故去亲朋好友的思念D.绿色、环保的安葬亡灵方式，网上祭奠备受年轻人的青睐答案：B 本题解析：A项中“在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受”，并不是“广泛采用”；题干并不是强调对故去亲朋好友的思念，而重在各

59、种方式的改变，C项错误;D项仅仅是题意的一部分，故选B项。28.单位犯罪是指公司、企业、事业单位、机关、团体实施的危害社会的、依照法律规定应受惩罚的行为。下列选项中，不属于单位犯罪的是（）。A.某存款类金融机构发布承诺高收益理财产品广告骗取了很多人的钱财B.某存款类金融机构负责人收受贿赂给不符合贷款条件的朋友发放贷款C.某存款类金融机构开发了很多高风险、高收益理财产品，诱骗投资者投资D.某存款类金融机构采用多种手段隐瞒职工工资性报酬收入，以偷税漏税答案：B 本题解析：单位犯罪的主体是“公司、企业、事业单位、机关、团体”，只有B项中“某存款类金融机构负责人”不符合这一界定，依据题意应选B。29.One day a man found a cocoon （茧） of a butterfly in the forest. He sat there for severalhours and watched the butterfly. Suddenly a small opening appeared, and the butterfly made it