【导语】2015年银行校园招聘已经如火如荼的进行中，相信广大考生们也在努力的备战中，因此海南华图(http://hi.huatu.com/ )为大家提供历年的银行招聘练习题作为参考!
银行招聘模拟练习(三)
海南省银行招聘QQ交流群：213544744
1.狭义的货币不包括( )
A.纸币
B.硬币
C.定期存款
D.银行全部存款
2.下列金融衍生工具中，赋予持有人的实质是一种权利的是( )。
A.金融期货
B.金融期权
C.金融互换
D.金融远期
3.金融市场按交易性质划分为( )。
A.货币市场.资本市场.外汇市场.衍生品市场.保险市场和黄金市场
B.直接金融市场和间接金融市场
C.发行市场和流通市场
D.传统金融市场和金融衍生品市场
4.我国目前实行的中央银行制度属于( )
A.单一型中央银行制度
B.复合型中央银行制度
C.跨国的中央银行制度
D.准中央银行制度
5.在社会经济活动中，可以起到信用中介、支付中介、创造信用、服务等作用的金融企业是指( )。
A.中央银行
B.商业银行
C.保险公司
D.证券公司
6.一定时期内的国民收入，既是货币需求的本源，又是货币供给的最高境界。由于价值分配具有相对独立性，因而往往出现货币供给量超过实际国民收入情况。这种现象被称为( )。
A.国民收入超额分配
B.积累超过消费
C.消费需求不足
D.投资需求不足
7.从理论上讲，工资上涨过快容易导致( )通货膨胀。
A.需求拉上型
B.成本推动型
C.输入型
D.结构型
8.根据《中华人民共和国中国人民银行法》的规定，我国货币政策的最终目标是( )，并
以此促进经济增长。
A.保持货币币值稳定
B.实现充分就业
C.保持物价稳定
D.保持利率稳定
9.把本国货币与本国主要贸易伙伴国的货币确定一个固定的比价，随着一种或几种货币进
行浮动的制度是( )。
A.固定汇率制度
B.盯住汇率制度
C.联合浮动汇率制度
D.浮动汇率制度
10.债券投资者投资风险中的非系统性风险是( )。
A.利率风险
B.汇率风险
C.信用风险
D.税收风险
11.在完全竞争市场中，企业的主要竞争策略是()
A.广告促销
B.涨价盈利
C.降价促销
D.降低成本
12.在完全竞争市场上，厂商短期均衡的条件是()
A.价格等于平均成本
B.价格等于边际成本
C.价格等于平均收益
D.价格等于边际收益
13.以下不属于垄断竞争市场特征的是()
A.生产集团中有大量的企业生产有差别的同种产品，这些产品彼此之间都是非常接近的替代品
B.进入和退出生产集团比较容易
C.厂商的竞争手段是多种多样的，但市场价格相对稳定
D.每个厂商都认为自己的行为影响很小，不会引起竞争对手的注意和反应，因而自己也不会受到竞争对手的报复措施的影响
14.实施价格歧视的基本条件不包括()。
A.卖方具有垄断地位
B.企业生产的商品或服务具有耐用品性质
C.消费者之间存在不同的需求价格弹性
D.不同消费者所在的市场能被隔离开
15.关于国内生产总值的说法，正确的是()。
A.国内生产总值又称为国民总收入
B.国内生产总值又称为国民生产总值
C.国内生产总值是按市场价格计算的一个国家(或地区)在一定时期内生产活动的最终成果
D.国内生产总值仅具有价值形态
16.为扩大农村消费需求，拉动经济增长，国务院实行了对“家电下乡”给予财政补贴的政策。这种财政支出在经济上不能获得直接补偿，属于()
A.积累性支出
B.转移性支出
C.补偿性支出
D.购买性支出
17.乘数的概念最早是由经济学家()提出的。
A.李嘉图
B.凯恩斯
C.马尔萨斯
D.卡恩
18.凯恩斯把货币供应量的增加并未带来利率的相应降低，而只是引起人们手持现金增加的现象称为()
A.现金偏好
B.货币幻觉
C.流动性陷阱
D.流动性过剩
19.预测通货膨胀率的主要指标包括()
A.生产者价格指数
B.消费者价格指数
C.零售物价指数
D.以上都正确
20.财政政策中最有效的手段是()
A.改变税收
B.改变转移支付
C.改变政府购买水平
D.以上都正确
21.甲企业为房地产开发企业，现有存货商品房一栋，实际开发成本为9000万元，2009年3月31日，甲公司将该商品房以经营租赁方式提供给乙公司使用，租赁期为10年。甲公司对该商品房采用成本模式进行后续计量并按年限平均法计提折旧，预计使用寿命为50年，预计净残值为零。假定不考虑其他因素，下列关于甲公司2009年12月31日资产负债表项目列报正确的是( )。
A.存货为9000万元
B.固定资产8865万元
C.投资性房地产为8820万元
D.投资性房地产为8865万元
22.下列各科目的期末余额，不应在资产负债表“存货”项目列示的是( )。
A.库存商品
B.生产成本
C.工程物资
D.委托加工物资
23.甲公司为增值税一般纳税人，委托外单位加工一批应交消费税的商品，以银行存款支付加工费200万元、增值税34万元、消费税30万元，该加工商品收回后将直接用于销售。甲公司支付上述相关款项时，应编制的会计分录是( )。
A.借：委托加工物资 264
贷：银行存款 264
B.借：委托加工物资 230
应交税费 34
贷：银行存款 264
C.借：委托加工物资 200
应交税费 64
贷：银行存款 264
D.借：委托加工物资 264
贷：银行存款 200
应交税费 64
24.某企业2009年12月31日“固定资产”科目余额为1000万元，“累计折旧”科目余额为300万元，“固定资产减值准备”科目余额为50万元。该企业2009年12月31日资产负债表“固定资产”的项目金额为( )万元。
A.650
B.700
C.950
D.1000
25.下列各项中，不会引起事业结余发生增减变动的是( )。
A.从事经营活动取得的收入
B.附属单位按规定缴纳的款项
C.开展专业业务活动取得的收入
D.外单位捐赠未限定用途的财物
26.下列各项中，关于收入确认表述正确的事( )。
A.采用预收货款方式销售商品，应在收到货款时确认收入
B.采用分期收款方式销售商品，应在货款全部收回时确认收入
C.采用交款提货方式销售商品，应在开出发票收到货款时确认收入
D.采用支付手续费委托代销方式销售商品，应在发出商品时确认收入
27.每股利润最大化目标与利润最大化目标相比具有的优点是( )。
A.考虑了资金时间价值
B.考虑了风险因素
C.可以用于同一企业不同时期的比较
D.不会导致企业的短期行为
28.某人希望在5年末取得本利和20000元，则在年利率为2%，单利计息的方式下，此人现在应当存入银行( )元。
A.18114
B.18181.82
C.18004
D.18000
29.按照资金的来源渠道不同可将筹资分为( )。
A.内源筹资和外源筹资
B.直接筹资和间接筹资
C.权益筹资和负债筹资
D.表内筹资和表外筹资
30.某企业发行5年期债券，债券面值为1000元，票面利率10%，每年付息一次，发行价为1100元，筹资费率3%，所得税税率为30%，则该债券的资金成本是( )。
A.9.37%
B.6.56%
C.7.36%
D.6.66%
英语阅读
Text 1
Imagine waking up and finding the value of your assets has been halved. No, you’re not an investor in one of those hedge funds that failed completely. With the dollar slumping to a 26-year low against the pound, already-expensive London has become quite unaffordable. A coffee at Starbucks, just as unavoidable in England as it is in the United States, runs about $8.
The once all-powerful dollar isn’t doing a Titanic against just the pound. It is sitting at a record low against the euro and at a 30-year low against the Canadian dollar. Even the Argentine peso and Brazilian real are thriving against the dollar.
The weak dollar is a source of humiliation, for a nation’s self-esteem rests in part on the strength of its currency. It’s also a potential economic problem, since a declining dollar makes imported food more expensive and exerts upward pressure on interest rates. And yet there are substantial sectors of the vast U.S. economy-from giant companies like Coca-Cola to mom-and-pop restaurant operators in Miami-for which the weak dollar is most excellent news.
Many Europeans may view the U.S. as an arrogant superpower that has become hostile to foreigners. But nothing makes people think more warmly of the U.S. than a weak dollar. Through April, the total number of visitors from abroad was up 6.8 percent from last year. Should the trend continue, the number of tourists this year will finally top the 2000 peak? Many Europeans now apparently view the U.S. the way many Americans view Mexico-as a cheap place to vacation, shop and party, all while ignoring the fact that the poorer locals can’t afford to join the merrymaking.
The money tourists spend helps decrease our chronic trade deficit. So do exports, which thanks in part to the weak dollar, soared 11 percent between May 2006 and May 2007. For first five months of 2007, the trade deficit actually fell 7 percent from 2006.
If you own shares in large American corporations, you’re a winner in the weak-dollar gamble. Last week Coca-Cola’s stick bubbled to a five-year high after it reported a fantastic quarter. Foreign sales accounted for 65 percent of Coke’s beverage business. Other American companies profiting from this trend include McDonald’s and IBM.
American tourists, however, shouldn’t expect any relief soon. The dollar lost strength the way many marriages break up- slowly, and then all at once. And currencies don’t turn on a dime. So if you want to avoid the pain inflicted by the increasingly pathetic dollar, cancel that summer vacation to England and look to New England. There, the dollar is still treated with a little respect.
31.Why do Americans feel humiliated?
A. Their economy is plunging
B.T hey can’t afford trips to Europe
C. Their currency has slumped
D. They have lost half of their assets.
32.How does the current dollar affect the life of ordinary Americans?
A. They have to cancel their vacations in New England.
B. They find it unaffordable to dine in mom-and-pop restaurants.
C. They have to spend more money when buying imported goods.
D. They might lose their jobs due to potential economic problems.
33. How do many Europeans feel about the U.S with the devalued dollar?
A. They feel contemptuous of it
B. They are sympathetic with it.
C. They regard it as a superpower on the decline.
D. They think of it as a good tourist destination.
34. what is the author’s advice to Americans?
A. They treat the dollar with a little respect
B. They try to win in the weak-dollar gamble
C. They vacation at home rather than abroad
D.They treasure their marriages all the more.
35. What does the author imply by saying “currencies don’t turn on a dime” (Line 2,Para 7)?
A. The dollar’s value will not increase in the short term.
B. The value of a dollar will not be reduced to a dime
C. The dollar’s value will drop, but within a small margin.
D. Few Americans will change dollars into other currencies.
Text 2
It used to be so straightforward. A team of researchers working together in the laboratory would submit the results of their research to a journal. A journal editor would then remove the authors’ names and affiliations from the paper and send it to their peers for review. Depending on the comments received, the editor would accept the paper for publication or decline it. Copyright rested with the journal publisher, and researchers seeking knowledge of the results would have to subscribe to the journal.
No longer. The Internet – and pressure from funding agencies, who are questioning why commercial publishers are making money from government-funded research by restricting access to it – is making access to scientific results a reality. The Organization for Economic Co-operation and Development (OECD)was just issued a report describing the far-reaching consequences of this. The report, by John Houghton of Victoria University in Australia and Graham Vickery of the OECD, makes heavy reading for publishers who have, so far, made handsome profits. But it goes further than that. It signals a change in what has, until now, been a key element of scientific endeavor.
The value of knowledge and the return on the public investment in research depends, in part, upon wide distribution and ready access. It is big business. In America, the core scientific publishing market is estimated at between $7 billion and $11 billion. The International Association of Scientific, Technical and Medical Publishers says that there are more than 2,000 publishers worldwide specializing in these subjects. They publish more than 1.2 million articles each year in some 16,000 journals.
This is now changing. According to the OECD report, some 75% of scholarly journals are now online. Entirely new business models are emerging; three main ones were identified by the report’s authors. This is the so-called big deal, where institutional subscribers pay for access to a collection of online journal titles through site-licensing agreements. There is open-access publishing, typically supported by asking the author (or his employer) to pay for the paper to be published. Finally, there are open-access archives, where organizations such as universities or international laboratories support institutional repositories. Other models exist that are hybrids of these three, such as delayed open-access, where journals allow only subscribers to read a paper for the first six months, before making it freely available to everyone who wishes to see it. All this could change the traditional form of the peer-review process, at least for the publication of papers.
36. In the first paragraph, the author discusses
A. the background information of journal editing.
B. the publication routine of laboratory reports.
C. the relations of authors with journal publishers.
D. the traditional process of journal publication.
37. Which of the following is true of the OECD report?
A. It criticizes government-funded research.
B. It introduces an effective means of publication.
C. It upsets profit-making journal publishers.
D. It benefits scientific research considerably.
38. According to the text, online publication is significant in that
A. it provides an easier access to scientific results.
B. it brings huge profits to scientific researchers.
C. it emphasizes the crucial role of scientific knowledge.
D. it facilitates public investment in scientific research.
39. With the open-access publishing model, the author of a paper is required to
A .cover the cost of its publication.
B. subscribe to the journal publishing it.
C .allow other online journals to use it freely.
D. complete the peer-review before submission.
40. Which of the following best summarizes the main idea of the passage?
A. The Internet is posing a threat to publishers.
B. A new mode of publication is emerging.
C. Authors welcome the new channel for publication.
D. Publication is rendered easier by online service.
答案解析：
1.C【解析】狭义货币是一个宏观经济学概念，在经济学中以M1表示，其计算方法是社会流通货币总量加上商业银行的所有活期存款;广义货币是一个经济学概念，在经济学巾以M2，来表示，其计算方法是社会流通货币总量加上活期存款以及定期存款与储蓄存款
2.B【解析】金融期权是指以金融商品或金融期货合约为标的物的期权交易。具体
地说，其购买者在向出售者支付一定费用后，就获得了能在规定期限内以某一特定价格向出售者买进或卖出一定数量的某种金融商品或金融期货合约的权利。
3.C
4.A
5.B【解析】本题考察商业银行的职能
6.A
7.B【解析】工资是劳动力成本，工资上涨过快，容易造成成本推动型通货膨胀。
8.A
9.B
10.C【解析】信用风险一般是非系统性风险。A、B、D都是典型的系统性风险。
11.D【解析】在完全竞争市场中，厂商不能影响和决定价格，价格竞争不能成为厂商的竞争策略;同时产品的同质性假设，决定了厂商不能通过广告促销来吸引客户。剩下的办法只有一种，即降低成本，树立成本优势，从而在既定的价格水平，赢得比竞争对手更大的赢利空间。
12.B【解析】在完全竞争市场上，价格是由市场决定的。当P=MR=MC，即当价格与边际成本相等时，厂商实现短期均衡。这是厂商实现短期利润最大化的均衡条件。
13.C【解析】厂商的竞争手段是多种多样的，市场价格不稳定
14.B
15.C【解析】国民生产总值(国民总收入)=国内生产总值+来自国外的净要素收入。国内生产总值有三种形态，即价值形态.收入形态和产品形态。
16.B
17.D【解析】乘数的概念最早是由英国经济学家卡恩在1931年提出的，后来被凯恩斯加以利用，成为凯恩斯主义和其他宏观经济学派用来分析宏观经济的一个重要工具。
18.C【解析】凯恩斯把货币供应量的增加并未带来利率的相应降低，而只是引起人们手持现金增加的现象称为“流动性陷阱”。
19.D【解析】通货膨胀率是货币超发部分与实际需要的货币量之比，用以反映通货膨胀.货币贬值的程度。在实际中，一般不直接.也不可能计算通货膨胀，而是通过价格指数的增长率来间接表示。通货膨胀率的主要指标包括：生产者价格指数;消费者价格指数;零售物价指数。
20.C【解析】由于政府购买支出乘数大于税收乘数以及政府转移支付乘数，因此西方学者认为，改变政府购买水平对宏观经济活动的效果要大于改变税收和转移支付的效果，改变政府购买水平是财政政策中最有效的手段。
21.D【解析】本题是成本模式计量的投资性房地产，2009年4月至12月投资性房地产的累计折旧=9000/50×(9/12)=135(万元)，投资性房地产的账面价值=9000-135=8865(万元)，所以2009年12月31日资产负债表项目列报的金额为8865万元。
22.C【解析】工程物资应该单独列示，而不计入存货项目。
23.B【解析】本题分录为：
借：委托加工物资 230(200+30)
应交税费——应交增值税(进项税额) 34
贷：银行存款 264
注意：收回后直接用于销售的委托加工物资缴纳的消费税应该计入“委托加工物资”成本。
24.A【解析】固定资产项目=固定资产账面价值=1000-300-50=650.
25.A【解析】经营活动取得的收入不会影响事业结余的金额。
26.C【解析】采用预收货款方式销售商品的，应该在发出商品的时候确认收入，所以A不对;采用分期收款方式销售商品的，在发出商品的时候就可以确认收入，所以B不对;采用交款提货方式销售商品，应该在开出发票收到货款的时候确认收入，所以C是对的;采用支付手续费委托代销方式销售商品，应该在收到代销清单时确认收入，所以D不对。
27.C【解析】 每股利润最大化目标把企业实现的利润额与投入的股数进行对比，可以在不同资本规模的企业或同一企业不同期间进行比较，揭示其盈利水平的差异，但是该指标仍然没有考虑资金的时间价值和风险因素，也不能避免企业的短期行为。
28.B【解析】 现在应当存入银行的数额=20000/(1+5×2%)=18181.82(元)。
29.C【解析】 按照资金的来源渠道不同可将筹资分为权益筹资和负债筹资，A是按照资金的取得方式不同的分类，B是按照是否通过金融机构进行的分类，D是按照筹资结果是否在资产负债表上得以反映的分类。
30.B【解析】 债券资金成本=1000×10%×(1-30%)/[1100×(1-3%)]×100%=6.56%
31.B
32.C
33.D
34.C
35.A
36.D
37.C
38.A
39.A
40.B
