[四川]2023浙江民泰商业银行成都分行风险经理社会招聘上岸历年高频考点试题库答案详解（图片大小可自由调整）第一套一.单项选择题(共50题)1.When you___________a new word while reading, do not always turn to the dictionary.A.come acrossB.come upC.come overD.come through答案：A 本题解析：come across意为“偶然发现，遇到”此句意为在你阅读遇到生词时，不要一直查字典come up“发生”，come ovef“过来，顺便来访”，come through“穿过，康复”，均不符合题意2.下列句子没有语病的一句是（ ）A.在新中国的建设事业上，发挥着他们无穷的蕴藏着的力量B.美国有15个州禁止黑人在娱乐场所与白人享有平等的地位C.如果趁现在不赶快检查一下代耕工作，眼前地就锄不好D.尽管巴以局势再度恶化，但布什仍表示将在近期宣布他的中东和平计划答案：D 本题解析：A、B、C项语序不当，分别应改为“蕴藏着的无穷的力量”、“享有与白人平等的地位”、“不趁现在赶快”。
3.2014 年 7 月 4 日，中国证监会就《关于改革完善并严格实施上市公司退市制度的若干意见（征求意见稿） 》 （简称《意见》 ）向社会公开征求意见，这标志着新一轮退市制度改革正式启动这次改革的目标是实现上市公司退市的（） A.市场化、法治化和日常化B.市场化、透明化和常态化C.开放化、法治化和常态化D.市场化、法治化和常态化答案：D 本题解析：7 月 4 日，中国证监会就《关于改革完善并严格实施上市公司退市制度的若干意见（征求意见稿） 》 （以下简称《退市意见》 ）向社会公开征求意见这标志着新一轮退市制度改革正式启动这次改革是贯彻落实国务院《关于进一步促进资本市场健康发展的若干意见》 （国发[2014]17 号）有关“完善退市制度”要求的重要举措，改革目标是进一步健全完善资本市场基础功能，实现上市公司退市的市场化、法治化和常态化4.A.15B.17C.12D.13答案：A 本题解析：上半部分的4个数字l，3，5，7是等差数列；下半部分3，7，ll，(15)也是等差数列而且图形中相对的两个数字的差依次为2、4、6、(8)，应选择7+8=(15)。
5.张教授：我支持外企w公司中国雇员的罢工他们受到了不公正的待遇他们中大多数人的年薪还不到10000元．李研究员：如果说工资是主要原因的话．我很难认同你的态度据我了解，w公司中国雇员的平均年薪超过15000元．以下哪项最为恰当地概括了张教授和李研究员意见分歧的焦点?（）A.w公司中国雇员的罢工是否合理B.大多数w公司中国雇员的年薪是否不到10000元C.w公司中国雇员的工资待遇是否不公正D.工资待遇不公正是否应成为罢工的原因答案：C 本题解析：张教授认为w公司中国雇员的工资待遇是不公正的，李研究员则认为是公正的选项A不是论战焦点，从“如果说工资是主要原因的话我很难认同你的态度”一句可知，李研究员不认同的是张教授关于工资待遇的说法而不是罢工本身的合理性故正确答案是C6.For the past 3, 000 years, when 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 this 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 some 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 behind. 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 digital 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 behind 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 and 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 businesses 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 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 people's shopping habits and private titans exploit their personal 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 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 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 firms 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, 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 money 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.Which of the following is NOT one of the advantages of cashless economy based on the article?( )A.Govemments can keep closer tabs on fraud or tax evasion,B.Cashless economy vastly expands the play ground of small bus inesses and sole traders byenabling them to sell beyond their bordersC.When payments dematerialise people and shops are less vulncrable to thef,D.Countries are hiring more tellers to aecepl coins for them答案：D 本题解析：细节理解题。
由第四段中“当支付电子化时，人们和商店就不那么容易被盗政府可以对欺诈和逃税进行更密切的监控数字化使小型企业和个体贸易商能够在海外销售产品，从而极大地拓展了经营范围”可知A. B、C项均正确，D项表述错误，所以答案选D7.现代有学者根据金字塔所包含的各种建造数据与天体运行规则的对应性、预见性．这是古人对后人的一种智能__________填人划横线部分最恰当的是（ ）A.宣称遗愿B.宣告暗示C.断言遗嘱D.断定嘱托答案：C 本题解析：先看第二空，金字塔的建筑价值是“古人对后人”遗留下来的一种财富金字塔所包含的各种建造数据与天体运行规则的对应性、预见性”对后人有着启示作用显然这里用“遗愿”、“嘱托”不合适，排除A、D两项宣告：宣布，告知断言：十分肯定地说题干中的学者经过考察而得出的定论，选“断言”较合适宣告”一般用于正式场合与题意不合故本题答案为C8.1，4，10，19，（ ），46A.25B.28C.31D.35答案：C 本题解析：两两做差后得到二级差数列3，6，9，（12），（15），未知项=19+12=46-15=31，C选项正确，A、B、D选项错误。
故本题正确答案选C9.货轮上卸下若干只箱子，总重量为10吨，每只箱子的重量不超过1吨为了保证能把这些箱子一次运走，至少需要（ ）辆载重3吨的汽车A.3B.4C.5D.6答案：C 本题解析：设每辆车实际载重为戈，因为每只箱子重量不超过l吨，则每辆车可运走货物不少于2吨否则可以再放一只箱子上去因此根据箱子重量不同，有2
11.下列各句中，没有语病的一句是( )A.作为消费者，你是否想过，正是某些畸形的消费需求刺激了商业经营对生态的污染和破坏，从这个意义上说，消费者既是受害者，又是自己的加害者B.“9·11事件”后，美国、印度、巴基斯坦三国关系进入微妙阶段，尽管美、印、巴关系何其暧昧，但美国与印度将走向军事合作的态势已相当明朗C.在全球经济衰退的情况下，我国的对外贸易进出口依然保持持续增长的势头，今年全年进出口总额与去年同期相比，同比增长7.5％D.最近一段时间，中科院以及北大、清华等学府纷纷出台自己的学术戒答案：A 本题解析：8项，“尽管”与“何其”搭配不当，可把“尽管”改为“不管”，或去掉“何其”C项，“同比增长”与“与去年同期相比增长”语义重复D项，“廓清”后宾语残缺，可在“道德”后加“迷雾”12.某公司在海外的子公司汇回投资利润，这应该记入国际收支平衡表中的（ ）A.经常账户B.资本账户C.金融账户D.储备账户答案：A 本题解析：暂无解析13.下列各项中，属于商业银行资产的是（ ）A.再贷款B.吸收存款C.存放中央银行款项D.实收资本答案：C 本题解析：存放中央银行款项是指各金融企业在中央银行开户而存入的用于支付清算、调拨款项、提取及缴存现金、往来资金结算以及按吸收存款的一定比例缴存于中央银行的款项和其他需要缴存的款项。
它属于商业银行的资产14.Natasha GoldenMcIntyre and BaranowskiSuite 11431 Echo Lake AvenueMahtomedi, Minnesota 55115Dear Ms. Golden,I've enclosed an employee reimbursement form along with the receipts from my business trip to Orlando. As I was able to use the company card to book my flight and hotel reservation, those expenses are not accounted for on the list.Please advise on the time it takes to be reimbursed. It usually takes one month, however, it took three months to be reimbursed for my last business trip to New York.Thank you for your help in this matter.Sincerely,Bob YuenglingMcIntyre & BaranowskiEmployee Reimbursement FormEmployee Name: Bob YuenglingEmployee ID Number: 002938Reason for Expenses IncurreD. Business trip to meet with clientAccount of Expenses:Dinner- Luna's Restaurant $16.34 Tuesday May 20Transportation to client's office- Taxi $13 Wednesday May 21Dinner with client- The Kitchen Cafe $107.03 Wednesday May 21Transportation back to hotel- Taxi $13 Wednesday May 21Dinner- Tres Amigos Grill $23.03 Wednesday May 21Employee Signature: Bob YuenglingWhat day did Mr. Yeungling take a taxi?A.MondayB.TuesdayC.WednesdayD.Thursday答案：B 本题解析：暂无解析15.个人小额短期信用贷款是毋需提供担保的人民币信用贷款，一般的期限和金额为（ ）。
A.发生的期限在半年以内、金融在1万元以下B.发生的期限在1年以内、金融在2万元以下C.发生的期限在2年以内、金融在3万元以下D.发生的期限在3年以内、金融在5万元以下答案：B 本题解析：个人小额短期信用贷款是贷款人为解决借款人临时性的消费需要而发放的期限在1年以内、金额在2万元以下、毋需提供担保的人民币信用贷款，故B项正确；ACD项期限和金额均不正确，故ACD项错误所以答案选B16.A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：每行所有图形的组成部分相加的和相同第一行：第一个图形有3个部分，第二个图形有2个部分，第三个图形有3个部分为：3+2+3=8 第二行：1＋3＋4＝8因此第三行：8-3-4=1 17.Every boy and every girl knows that each day and each hour brings their duty.A.andB.KnowsC.bringsD.their答案：D 本题解析： their→his/her。
用every修饰的名词后面的动词用单数形式，所以也应该把表示复数的their改成his/her 18.8，12，16，16，( )，-64A.0B.4C.— 8D.12答案：A 本题解析：（12 —8）X4 = 16，（16-12）X4 = 16,（16 — 16）X4 = 0,（0-16）X4= — 6419.After a tiring day, I felt () out.A.spiritualB.specificC.strictD.stressed答案：D 本题解析：劳累了一天之后，我觉得精疲力尽20.（ ）对于模特相当于农业对于（）A.外形——科学B.时装——专家C.职业——农民D.表演——耕耘答案：B 本题解析：本题考查的是限定关系时装模特是模特这一职业中的一种类型；农业专家是各类专家中的一种只有代入B项后才能构成类比关系A项具有迷惑性，但注意词语的先后顺序21. 第(2)处应填_________ A.allowB.accompanyC.registerD.follow答案：C 本题解析：A allow同意，B accompany伴随，C register登记，D follow追赶。
22.A New Study Says You Can Spread to Your DogResearch shows that most dog owner's find their pets to be great stress busters.Curling up on the couch with your pug on playing eatch with your Labradoodle is a great way to unwind and letthe cares of the dlay slip away . New science has some bud news for dog owners. Dog might ease your stress. but they can also catch it,I's an old joke that dogs resemble their owners, but according to this new study out of linkoping universily in sweden . Its actually true in one lecus funny way: stressed out owners have stressedout dog .To figure this out the researchers took hair samples from 25 border collies and 33 shetland sheepdogs. AS well as their female owners. For both humans and dogs . Hair records the level of the stress bormone cortisol in the body over time s0 by analy zing these hairs, the team could figure out just now much stress both the owners and their pets were under long_ ferm.The studly found the stress level of the dogs and their owners matched up : higher levels of sitress among owners showed up as higher levels of stress in their dogs. The efct was even more pronounced if the dogs was female or if it took part in agility copettions with is owner.Previous research has found that cortisol in humans and their dogs can rise together in the short term especially when competing. But this finding was someting new. " This is the first time we've seen a long term synchroniation in stress levels between members of two diferent species。
We haven't scen this between humans and dogs before." lead research lina r oth told the guardian.And what about a pooch's lifestyle?did limited opportunitics for play or more time spent alone stress out the dogs? nearly as much as belonging to a human with high cortisol levels. The personality of the owner seemed to play a role to. Although that varied with the sex of the dog.Female dogs whose owners had higher scores in the Big five traits of neurotic ism openness, and conscientiousness had higher cortisol levels, while the same was true of male dogs whose owners scored high in agreeableness.This will not come as a huge surprise to many observant folks who have noticed that highly stung people offen have a highly strung dogs. But should scientifie confrmation of this conection between owners and their dogs put pet if you're arcciety prone? Or if you're under a lot of stress and already a pet owner, should you feel guilty?Roth replies" 1 don't think you should be anxious that , if you're sressed,, you might harm your dog" instead, your dog is a 8ocial support for you, and you are a social support for the dog.Your sressede out than made up for by exstra pats , belly rubs, and tennis ball throws.Though if you do lean towards the anxious side, you might want to think carefully about choosing a resilient type of dog. Just which breeds are best is still an open question.one Roth andher collaborators hope.It may be possible to match dog and owner in a way that is better for both, from a stress- management says" It may be that certain breeds are not so deeply afected if their owner hasa high sres leve!"" Readers can find answers to the flowin question ecep( ) A.Should anxiety-prone pople wory about their dogs' conditionB.Will owners with high pres sure levels definitely have a profound impact on their petsC.What type of dog ie best for anxiety-prone ownersD.How did scientists figure out how much stress both the owners and their pets were under答案：C 本题解析：是非题。
倒数第二段说，Just which breeds are best is still an open question, Roth and her cllborators hope .究竞哪种狗是最好的仍然是一个悬而未决的问越23.网站流量是指网站的访问量,其常用的统计指标包括网站的独立用户数量、总用户数量(含重复访问者）、网页浏览量、每个用户的页面浏览数量、用户在网站的平均停留时间等根据上述定义，下列不能直接用来提髙网站流量的是（） A.丰富网页的展示内容B.提高网民信息甄别能力C.增加与相关网站的链接D.在其他媒体上发布网站广告答案：B 本题解析：提高网民信息甄别能力并不能使用户数量、网页浏览数量、每个用户的页面浏览数量、用户在网站的平均停留时间等提髙或者增加，即不能使网站流量直接提高而A、C、D三项都可以使网页访问量或者流量直接提髙24.当美国宇航员阿姆斯特朗踏上月球的时候，他说了一句著名的话:“这是一个人的一小步，却是人类的一大步据说这句话不是他事先想好的，而是即兴说出来的这句话特别形象，因为他作为个人的这一步，代表的是人类从地球到月球的一大步;是NASA的40万人智慧的结晶。
历史上，人类飞行的每一个进步都从一小步开始的今天我们就来看一看这些小步子在人类从天空到太空中发挥的作用吧人类对飞的追求已经有上千年的历史最早的技术有风等.气球和滑翔机但遗憾的是，这些追求飞行的前辈们大多没有为我们留下可以依据的数据让我们以可靠的信息来看一着人类追求飞天的那些第一步吧先来说说李林塔尔李林塔尔搞的是滑翔飞行虽然不是第一个飞行滑翔的人，但他是第一位祥细记录他的可重复滑翔飞行的人自1891年， 他一共做过两千多次滑翔飞行，直到他在1896年在一次飞行中死亡他的第一次洞飞行只有 25米到他去世的时候，他也只是达到了250米的记录.菜特兄弟的成绩是众所周知如的应该说，菜特兄弟虽然不是进行航空器飞行试险的第一人，但他们百创了让固定翼飞机能受控飞行的飞行控制系统，从而为飞机的实用化定了基础但是他们的第一 次成功飞行怎么样呢?那是1903年12月17日奥维尔.莱特驾驶自行研制的固定翼飞机“飞行者--号”实现了人类史上首次重于空气的航空器持续而且受控的动力飞行他飞行了12秒，航程36.5米，时速只有每小时109公里说起火箭,人们想到的是那些搭载了人造卫星的庞然大物但是在火箭出现的最初时期，火箭的飞行远没有如此辉煌的记录。
1926年3月16日戈达德在麻萨诸塞州的奧本市成功发射了一枚液体燃料火箭这枚火箭到达高度为12.5米，飞行25秒,时速只达到每小时96公里也许，很难把一个12.5米的飞行和现代空间活动联系起来尽管它只上升到了2.5米的高度，这次事件在火箭历史上具有重要的意义事实上，它是世界上第一枚液体燃料火箭，它验证了大前的理论戈达德虽然成功发射了第一个液体燃科大箭，但是他的实验从来没有超过27公里，而当时的飞机已经到了15公里的高空，气球更是到了22公里人类从 飞机到飞船是冲出地球的第一步这一步被苏联字航员加加林走了出来那足1961年4月12日加加林乘坐东方一号宇宙飞船从拜科努尔航天发射场起飞，在远地点为301公里的轨道上绕地球- -周， 历时1小时48分钟后安全返回，完成了世界上首次载人字宙飞行,实现了人类进入太空的愿望不到- -个月后，国宇航员艾伦.谢泼德也进入了太空，但他没有环绕地球飞行，只是在一-个弹道上飞行了15分钟第一位实现太空行走的是苏联字航员列昂诺夫1965年3月18日，列昂诺夫拴着5米长的安全绳，离开宇宙飞船到达太空环境中进行了10分钟的活动接下来就是我们一开始说的阿姆断特朗登月了。
那是1969年7月21日.他与另一位宇航员巴兹.尔德棒一起登陆月球阿姆断特朗在月球上走的最远距离是59米，他们在月球上停留了两个半小时第一个成为“人类卫星”的是美国宇航员责克坎德雷断1984 年2月日，麦克坎德雷断搭乘挑战者号航天飞机执行任豸他在没有绳素保护的情况下实现了自由行走，高开挑战者号航天飞机97.5米他因此成为了第一“人类卫星”与他同一天实现无太空行走的还有罗伯特.断图尔特不过，由于这项技术过于危险，NASA后来没有再采用它这些故事告诉找们，不能忽略哪怕是微小的一点点成功科技的进步往往是从微小走向辉煌的但是，这些一小步的背后是什么呢?就拿阿波罗登月来说，当年美国政府投资254亿美元，有40万人加了这项计划所以，当我们看到阿姆斯特朗-一个人的辉煌时，请不要忘记这些幕后英雄再来看李林塔尔他在1896年8月9日的次滑飞行中，从17米的空中捧落，造成脊椎断裂，并于翌日去世，临前他的遗言是:“少许牺性是必须的!”让我们也怀念这些为人类飞判面献身的先驱们下列哪位美国宇航员没有在太空行走过? ( )A.罗伯特斯图尔特B.麦克坎德雷斯C.阿姆斯特朗D.艾伦谢泼德答案：D 本题解析：由“美国宇航员艾伦.谢浅德也进入了太空，但他没有环绕地球飞行，只是在一个弹道上飞行了15分钟。
可知，答案为D.25.依次填入横线部分最恰当的一组是（ ）①英国是一个议会制的君主立宪国家，它的君主是世袭的，但议会并没给他过多 的_，国家的一切决定都要经过漫长的协商②据了解，北京市目前拥有家庭装修监理上岗证的监理员只有100多人，即使这个数字再_，也无法满足众多家庭用户的需求③我去过江浙一带，几乎每到一个县，都发现那里的博物馆会有—张登有几 个_几十个中过状元的名单表，这真令我瞠目结舌A.权力 翻一翻 以及B.权力 翻一番 甚至C.权利 翻一番 以及D.权利 翻一番 甚至答案：B 本题解析：权利是指按照法律和章程应当享有的权力和利益，和义务相对；权力表示的是一种政治上的强制力量很明显，议会没给君主更多的“权力”，所以排除C、D两项数字增加一倍应该用“翻一番”，最后一个空很明显是表示递进而非并列关系故本题正确答案为B26.根据规律,输入问号处的图形是A.见图AB.见图BC.见图CD.见图D答案：C 本题解析：本题考查数量类元素替换，一个圆圈=2个四角星，从左至右每幅图形的四角星数量均为6个，间号处选一个换算后四角星数量为6的，A选项8个，排除; B选项8个排除: C选项6个符合题意，D选项7个排除。
所以本题答案为C27.企业收到现金捐赠，在现金流量表上应该反映在（ ）项目中A.收到的其他与经营活动有关的现金B.收到的其他与投资活动有关的现金C.收到的其他与筹资活动有关的现金D.收到的其他与外汇收支活动有关的现金答案：C 本题解析：暂无解析28.Questions refer to the following article. Job title: Bank Supervision Officer Job descriptions： The successful candidate will have the following functions and responsibilities： Receive and assess financial or non-financial reports of banks and other financial institutions submitted to the BCTL . Use the software applications （9）at BCTL to calculate rations and indexes. Review and analyze banks and financial 。