[江苏]招商银行泰州分行2023届应届毕业生招聘上岸历年高频考点试卷答案详解

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1、江苏招商银行泰州分行2023届应届毕业生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.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 position you re

2、ally 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 State Universit

3、y？ 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 being hired ar

4、e 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 lying， most coll

5、eges 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， some jobsee

6、kers 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 brother for a

7、 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 One company， w

8、ith 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 no Smoot Sta

9、te and the real school in Indiana is properly called Purdue University， the prices seem rather highly for one sheet of paper.As used in the first line of the second paragraph， the word“utter ”means（）A.addressB.thoroughC.ultimateD.decisive答案：B 本题解析：utter在文中是指完全的。2.Questions 64-66 refer to the followi

10、ng article.NEW YORK, November 19-New Yorks Women in Business Association announced that Anita Huntington, vice president of marketing for Kuiper Hotels, and Mary Foster, general manager of Longwood Hotels & Resorts, were recently selected as this years Venture Award recipients. The Venture Award was

11、 established twenty years ago to recognize the contributions made by female executives to their communities. This years cowinners are the founders of Art on the Move, a charitable organization that provides art scholarships for students throughout the city.Since joining Kuiper Hotels, Huntington has

12、 held key positions in finance and businessdevelopment. Currently, she leads Kuipers marketing operations, often traveling to one of the more than 270 hotels in 16 countries. Fosters position has also taken her all over the world.Both executives stressed that finding time for volunteer work was extr

13、emely important even though they often work long hours at their jobs. Huntington and Foster will be honored on November 26 at a special reception at Humphrey Hall.What is Mary Fosters current job title?A.SalespersonB.Vice president of marketingC.General managerD.Operations manager答案：C 本题解析：暂无解析3.如果张

14、辉投资甲项目300万元，乙项目150万元，甲项目有2/3的概率盈利50，1/3的概率亏损15，乙项目有3/5的概率盈利30，2/5的概率不盈不亏，那么其此次投资可以盈利的概率为（）。A.1/3B.2/15C.4/5D.2/3答案：D 本题解析：当甲项目盈利时，此次投资一定可以盈利；当甲项目亏损15时，若乙项目盈利30，由于3001515030，所以不盈不亏；若乙项目不盈不亏，则投资亏损。所以此次投资可以盈利的概率即甲项目盈利的概率为2/3。4.8个一元真币和1个一元假币混在一起。假币与真币外观相同，但比真币略重。问用一台天平最少称几次就一定可以从这9个硬币中找出假币?（）A.2次B.3次C.4

15、次D.5次答案：A 本题解析：9枚硬币，3个3个一组，分别编号A、B、C。第一次：任意拿出两组比如A和B置于天平两端(1)若天平平衡，則假币在C组中。(2)若天平不平衡则假币在天平重的一端。(即第一次一定可以找到假币所在的组)第二次：在假币所在的组中任选两枚硬币置于天平两端(1)若平衡，则假币为剩下那枚。(2)若不平衡，则假币在天平较重的一端。综上最少需要称两次。5.真菌大都靠（ ）来繁殖后代。A.菌褶B.菌丝C.孢子D.细胞分裂答案：C 本题解析：真菌的繁殖体包括无性繁殖形成的无性孢子和有性繁殖产生的有性孢子，即真菌是靠孢子来繁殖后代的。本题选C。6. 3，3，6，18，72，（） A.36

16、0B.350C.288D.260答案：A 本题解析：本题的规律是从左到右，相邻两项的后项除以前项，可以得到一个自然数数列。即：33=1，63=2，186=3，7218=4，( )72=5，根据这个规律，括号里的项应该是 =725=360，所以正确选项是A。7.个人独资企业。是指依法设立，由一个自然人投资，财产为投资人个人所有，投资人以其个人财产对企业债务承担无限责任的经营实体。根据上述定义，下列选项中叙述正确的是( )。A.李某以个人积蓄出资办厂，后企业经营不善，无法偿付到期债务，债权人追至李某家里，要求其家人替李某偿还债务务B.小明患有小儿麻痹症，但不影响他成为个人独资企业的投资人C.晓辉，

17、l5岁，头脑活络，利用多年的“压岁钱”出资成立个人独资企业D.因香烟利润丰厚。龙某决定成立个人独资企业专卖自家土制香烟答案：B 本题解析：A项中李某的家人不必对企业债务承担无限责任；c项中晓辉l5岁，并不是完全民事行为能力人：D项中烟草为国家专卖。故答案选B。8.甲、乙两台酒水车合作给一片花园酒水,7小时可以完成。两酒水车共同合作5小时后,甲队所有队员及乙队人数的1/5调走去其他花园,又经过6小时,全部酒完甲队单独给这片花园酒水需要()小时。A.15B.20C.12D.10答案：C 本题解析：工程问题，7 (甲+乙) =5(甲+乙) +6*4/5*乙， 得到甲:乙=7:5,赋值甲效率为7，乙效

18、率为5，总任务84，甲单独需要84/7=12小时。9.在一个社团中，发现英语系的学生有8名，物理系的学生有9名，并且社团中英语系成员的数量至少占外语学院成员数量的，外语学院成员的数量又占社团总人数的以上，则该社团人数为( )。A.18B.19C.20D.21答案：B 本题解析：可以将题目简化为下图： 设社团总人数为N，社团中外语学院成员人数为n，那么可得： n+9N 由得：n10，与联立得： ， 、联立得：， 由、得：18。10.正是因为畏惧和仇视舆论监督，少数无良官吏要绞尽脑汁甚至 是_地扼杀舆论监督。个别无良官员为了封杀记者之口，可以采用重金贿赂，可以滥用权力进行阻挠，甚至 于不惜采取暴力

19、手段。填入横线部分最恰当的一项是（ ）。A.无所用心B.不择手段C.千方百计D.苦思冥想答案：B 本题解析：“无所用心”指不动脑筋，什么事情都不关心，显然用在句中不合适。“不择手段”指为了达到目的，什么手段都使得出来，多含贬义，用在这里能形象地描述少数无良官 吏丑恶的嘴脸，B项正确。“千方百计”意思是想尽或用尽一切办法，由“甚至是”可知，这里是递进关系，“千方百计”用在此处感情色彩不够浓重。“苦思冥想”意思是尽心地思索和想象，与句中的“绞尽脑汁”不能构成递进关系，所以不符合题意。11.下列金融市场中，既具有货币市场属性，又具有资本市场属性的是（）。A.商业票据市场B.银行承兑汇票市场C.同业拆

20、借市场D.债券市场答案：D 本题解析：货币市场是短期资金市场，是指融资期限在一年以下的金融市场，具有期限短、流动性强和风险小的特点；资本市场是政府、企业、个人筹措长期资金的市场，包括长期借贷市场和长期证券市场。D项，债券市场上既有短期又有长期，具有货币和资本市场的属性。12.一串数字共15个，前10个的平均数是23，后10个的平均数是35，中间5个的平均数是26，这15个数字的平均数是多少?（）A.33B.31.5C.30D.29答案：C 本题解析：前10个数之和为2310=230，后10个数之和为3510350，中间5个数之和为265=130。将前10个数和后10个数相加，则中间5个数算了两

21、次，因此15个数之和为230+350-130=450，平均数为45015=30。13.What are members of the fitness center asked not to do?A.Bring guests who are under eighteen years oldB.Leave classes earlyC.Use equipment for which they have not signed upD.Bring bags to classes答案：D 本题解析：“Reminders”下面第四条指出，包应该放在贮藏室，以便为学员们留出更多的空间。14.Questio

22、ns 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 customer. These upgrades include making our debit card program “real-ti

23、me” 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 important to us that this transition be a smooth one for you. These are ju

24、st 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 longstanding tradition of providing exceptional financial service. We want to t

25、hank 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 Thursday June 6, 2013；however, drive ups will remain open as usual.

26、 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 prompted for your secret answer. Please note: After the conversion to th

27、e 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 word “exceptional” in Paragraph 2, Line 1, is closest in meaning to（）.A.representativeB.typicalC.differentialD.extraordinary答案：D

28、本题解析：exceptional 意思是例外的，独特的；D项意思是特别的。15.产品生命周期（product life cycle），简称PLC，是产品的市场寿命，要经历的周期是（ ）。A.萌芽、成长、标准、退出B.产生、无序、有序、平稳C.产生、发展、扩张、萎缩D.形成、成长、成熟、衰退答案：D 本题解析：典型的产品生命周期一般可分为四个阶段，即形成期、成长期、成熟期和衰退期。故本题答案选D。16.第46题答案是_A.discussionB.lessonC.reportD.conversation答案：D 本题解析：discussion意为“讨论”；lesson意为“课程”；report意为

29、“报道”；conversation意为“交谈，对话”。根据语境可知，此处表示一段交谈，故D项正确。17.下列各项中，应填列于中央银行资产负债表中负债方的是（ ）。A.外汇储备B.流通中的通货C.贴现及放款D.政府债券答案：B 本题解析：暂无解析18.下列国家中，人均水资源量最少的是（ )A.日本B.美国C.加拿大D.中国答案：D 本题解析：我国的人均水资籯占有量，是全球人均水资源最贫乏的国家之一。19.根据下列内容，回答196-198题。San Francisco has its cable cars. Seattle has its Space Needle. And, Longview h

30、as its squirrelbridge. The bridge, which has attracted international attention, is now a local landmark.The Nutty Narrows Bridge was built in 1963 by a local builder, Amos Peters, to givesquirrels a way to cross the busy road without getting flattened by passing cars.The original bridge was built ov

31、er Olympia Way on the west edge of the library grounds.Before the bridge was built, squirrels had to avoid traffic to and from the Park Plaza office buildingwhere office staff put out a nutty feast for the squirrels. Many times, Peters and others who workedin and near Park Plaza witnessed squirrels

32、being run over.One day Peters found a dead squirrel with a nut still in its mouth, and that days coffee breakdiscussion turned into squirrel safety. The group of businessmen cooked up the squirrel bridge ideaand formed a committee to ask the blessing of the City Council. The Council approved, andCou

33、ncilwoman Bess LaRiviere named the bridge Nutty Narrows.After architects designed the bridge, Amos Peters and Bill Hutch started construction. Theybuilt the 60-foot bridge from aluminum and lengths of fire hose. It cost $1,000.It didnt take long before reports of squirrels using the bridge started.

34、Squirrels were evenseen guiding their young and teaching them the ropes. The story was picked up by the media, andNutty Narrows became known in newspapers all over the world.In 1983, after 20 years of use, Peters took down the worn-out bridge. Repairs were made andcrosspieces were replaced. The fade

35、d sign was repainted and in July 1983, hundreds of animallovers attended the completion ceremony of the new bridge.Peters died in 1984, and a ten-foot wooden squirrel sculpture was placed near the bridge inmemory of its builder and his devotion to the project.What does the underlined phrase teaching

36、 them the ropes probably means in thetext ?_A.Passing them a ropeB.Directing them to store food for winterC.Teaching them a lessonD.Showing them how to use the bridge答案：D 本题解析：根据前面的guiding their young，可以推断此处应该是松鼠教它们的孩子如何使用此桥，故选D。20.Questions refer to the following passage. Downtown Artisans Club Art

37、 Exhibit Please mark Saturday, October 21, on your calendars so 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 artist

38、s have worked all summer to prepare for this event, which promises 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 s

39、upport for young artists. Tickets are on sale now and are available 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 Ar

40、tisans Club Art Exhibit Deadline for your art submission！ To all 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 sho

41、w and the sale！ Dont forget to have them completed and handed 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

42、to attend the 2-week summer art camp in Paris next summer. Have fun and please submit your artwork on time ！On which day was the notice posted? （）。A.September 21B.October 21C.November 1D.November 21答案：A 本题解析：从第一篇文章中可知，艺术展开幕的时间是在10月21日，而从第二篇文章中可知距离展览会开幕还有一个月的时间。21.根据下列内容，回答211-215题。Advertisers tend t

43、o think big and perhaps this is why theyre always coming in for criticism.Their critics seem to resent them because they have a flair for self-promotion and because theyhave so much money to throw around. Its iniquitous, they say, that this entirely unproductiveindustry (if we can call it that) shou

44、ld absorb millions of pounds each year. It only goes to showhow much profit the big companies are making. Why dont they stop advertising and reduce theprice of their goods? After all, its the consumer who pays .The poor old consumer! Hed have to pay a great deal more if advertising didnt create mass

45、markets for products. It is precisely because of the heavy advertising that consumer goods are socheap. But we get the wrong idea if we think the only purpose of advertising is to sell goods. An-other equally important function is to inform. A great deal of the knowledge we have about house-hold goo

46、ds derives largely from the advertisements we read.Advertisements introduce us to new products or remind us of the existence of ones we alreadyknow about. Supposing you wanted to buy a washing machine, it is more than likely you would ob-tain details regarding performance, price, etc., from an adver

47、tisement.Lots of people pretend that they never read advertisements, but this claim may be seriouslydoubted. It is hardly possible not to read advertisements these days. And what fun they often are,too!Just think what a railway station or a newspaper would be like without advertisements. Wouldyou en

48、joy gazing at a blank wall or reading railway bye-laws while waiting for a train? Would youlike to read only closely printed columns of news in your daily paper?A cheerful, wittyadvertisement makes such a difference to a drab wall or a newspaper full of the daily ration ofcalamities. We must not for

49、get, either, that advertising makes a positive contribution to ourpockets. Newspapers, commercial radio and television companies could not subsist without thissource of revenue. The fact that we pay so little for our daily paper, or can enjoy so many broad-cast programmes is due entirely to the mone

50、y spent by advertisers. Just think what a newspaperwould cost if we had to pay its full price!Another thing we mustnt forget is thesmall ads. which are in virtually every newspaper andmagazine. What a tremendously useful service they perform for the community! Just about any-thing can be accomplishe

51、d through these columns. For instance, you can find a job, buy or sell ahouse, announce a birth, marriage or death in what used to be called the hatch, match and dis-patch column but by far the most fascinating section is the personal or agony column. No otheritem in a newspaper provides such entert

52、aining reading or offers such a deep insight into humannature. Its the best advertisement for advertising there is! What is the main idea of this passage?_ A.AdvertisementB.The benefits of advertisementC.Advertisers perform a useful service to communitiesD.The costs of advertisement答案：B 本题解析：整篇文章都在介

53、绍广告的益处，故选B。22.中国工商银行私人银行的品牌宗旨是（）。A.信赖、贴心、成就B.步步为赢，贴心银行C.诚信相守，稳健相传D.以客为尊，锐意进取答案：C 本题解析：中国工商银行私人银行的品牌宗旨是“诚信相守，稳健相传”。中国工商银行私人银行业务主要为个人高净值客户提供以资产管理为核心、以顾问咨询为重点的个性化、专业化的财富管理服务。23.When I opened the first Body Shop in 1976, what I wanted to do was to earn （挣） enough money to feed my children. Today the Bod

54、y Shop is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what y

55、ou really believe in.Its not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my famil

56、y and to feel excited by something unusual. I have always wanted the people who work for the Body Shop to feel the same way.Now this book sends these ideas out into the world, and makes them public. Id like to think there are no limits （界限） to our family, and no limits to what can be done. I find th

57、at an exciting thought. I hope you do, too.How does the writer feel about the business she runs?A.Its the biggest company in the worldB.It will possibly be more successfulC.Its one of the most successful businessesD.It is the only company that is growing all around the world答案：C 本题解析：暂无解析24.A.见图AB.见

58、图BC.见图CD.见图D答案：C 本题解析：本题考查样式类，观察题干图形发现第一-幅图和第二图形相加得到第三幅图像，按照此规律问号处应该为C选项，排除ABD，所以本题答案为C选项。25. 与合伙制企业相比，下列不属于公司制企业优点的是（）。 A.除法律规定的其他情形外，出资人只以出资额为限对公司债务承担有限责任B.有利于降低股东与经理人之间的代理成本C.股东一般不直接参与经营管理，而聘请职业经理人，有利于提高公司管理水平D.有利于筹资，提高企业的规模效益答案：B 本题解析：从责任承担方式上讲，有限责任公司的股东以其认缴的出资额为限对公司承担责任，股份有限公司的股东以其认购的股份为限对公司承担责

59、任。而合伙企业中，普通合伙中的合伙人对合伙企业债务承担无限连带责任。公司的责任制度降低了股东投资风险，故A项正确。在公司制度中，经理负责主持公司的日常生产经营管理工作，专业性更强，有利于提高公司管理水平，C项正确。上市是筹资的重要手段，只有公司才有可能上市，合伙企业不能上市，D项正确。故本题答案选B。26. 债券评级是债券评级机构对债券发行公司的( )评定的等级。 A.信用B.利率风险C.通货膨胀风险D.价格风险答案：A 本题解析：债券评级是债券评级机构对债券发行公司的信用评定的等级。27.A.见图AB.见图BC.见图CD.见图D答案：D 本题解析：28.下面九宫图中，最适合填入的一项是（ ）。A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：每一行三个图形封闭部分数目是8。29.翻拍可以在不损坏原件的前提下，进行适当的整复和摆布。如对折皱、卷曲的文件原件可用玻璃压平或置于透明的夹框内，对破裂的原件进行拼接等。另外，为了提高影像的清晰度，应当在熟悉原件特点的基础上，选择比原件稍大的一定颜色的衬底。在这些准备工作做好之后再进行翻拍。这段话主要支持了这样一个论点，即：（）。A.翻柏之前要先做好各种准备工作B.翻拍之前应对原件进行整复和摆布C.选择衬底可以提高翻拍时影像的清晰