2022年建設(shè)銀行招聘考試真題

建設(shè)銀行招聘考試真題（回憶版）以下是2009年考試的真題內(nèi)容：從難度上看，綜合測(cè)試比公務(wù)員要簡(jiǎn)單不少，特別是數(shù)學(xué)、資料分析。英語(yǔ)大概與六級(jí)難度相當(dāng)，也不算難。

能拉開(kāi)距離的應(yīng)該是專(zhuān)業(yè)測(cè)試，因?yàn)榻ㄐ械膶?zhuān)業(yè)考試范圍很廣，涉及到了金融、經(jīng)濟(jì)、管理、市場(chǎng)營(yíng)銷(xiāo)、財(cái)務(wù)會(huì)計(jì)、計(jì)量經(jīng)濟(jì)學(xué)等各個(gè)學(xué)科，要想全面覆蓋這些知識(shí)面，需要平時(shí)的積累。

專(zhuān)業(yè)題涉及下面的內(nèi)容：

1、法定準(zhǔn)備金率

2、財(cái)政貨幣政策

3、歐式期權(quán)

4、巴塞爾協(xié)議三大支柱

5、參數(shù)估計(jì)和殘差

6、企業(yè)文化

7、金融市場(chǎng)的要素

8、即期和遠(yuǎn)期

9、商品的需求彈性

10、財(cái)務(wù)報(bào)表

11、盈余公積

12、會(huì)計(jì)利潤(rùn)

13、商業(yè)票據(jù)貼現(xiàn)

14、公允價(jià)值和賬面價(jià)值

15、市場(chǎng)細(xì)分

16、金字塔管理結(jié)構(gòu)中，上級(jí)與中級(jí)領(lǐng)導(dǎo)比：管理難度與幅度問(wèn)題

17、非貨幣性商品交換中關(guān)于具有商業(yè)實(shí)質(zhì)和沒(méi)有商業(yè)實(shí)質(zhì)的問(wèn)題

18、積極的財(cái)政政策與擴(kuò)張的貨幣政策的使用范圍

19、國(guó)家償債的率

20、財(cái)務(wù)杠桿問(wèn)題

21、關(guān)于物權(quán)法中的留置權(quán)

22、市場(chǎng)占有率：某公司的市場(chǎng)占有率是30%，其他最大三個(gè)競(jìng)爭(zhēng)對(duì)手的市場(chǎng)占有率分別為20%，12%,8%。問(wèn)該公司的相對(duì)市場(chǎng)占有率

23、有限責(zé)任公司股東轉(zhuǎn)讓股份的條件

24、信用卡信用額度的確認(rèn)

25、銀行整存整取問(wèn)題

26、貨幣市場(chǎng)工具

27、企業(yè)戰(zhàn)略：當(dāng)企業(yè)處于成長(zhǎng)期應(yīng)該：擴(kuò)大市場(chǎng)占有率？

28、哪個(gè)屬于會(huì)計(jì)政策變跟：房地產(chǎn)由成本法改為公允價(jià)值？不記得了

29、關(guān)于內(nèi)部欺詐問(wèn)題

30、新巴賽爾協(xié)議中關(guān)于逾期貸款的風(fēng)險(xiǎn)權(quán)重

31、商業(yè)銀行法中關(guān)于客戶貸款的問(wèn)題

32、公司申請(qǐng)貸款不需審核的什么。。。。。。

33、關(guān)于歐式看漲期權(quán)說(shuō)法正確的是：利率上漲及期權(quán)時(shí)間等對(duì)期權(quán)價(jià)格的影響

34、回購(gòu)債券價(jià)格的決定因素

英語(yǔ)有三篇閱讀理解：

1、第一篇是反戰(zhàn)的

2、第二篇是關(guān)于美元貶值的

3、第三篇是關(guān)于網(wǎng)絡(luò)出版的

據(jù)說(shuō)是考研和六級(jí)題，在網(wǎng)上一查，果然是的。所以能給大家奉上完整的題目！

美元貶值那一篇的語(yǔ)言十分冷幽默，挺有意思的。Text2

Imaginewakingupandfindingthevalueofyourassetshasbeenhalved.No,you’renotaninvestorinoneofthosehedgefundsthatfailedcompletely.Withthedollarslumpingtoa26-yearlowagainstthepound,already-expensiveLondonhasbecomequiteunaffordable.AcoffeeatStarbucks,justasunavoidableinEnglandasitisintheUnitedStates,runsabout$8.Theonceall-powerfuldollarisn’tdoingaTitanicagainstjustthepound.Itissittingatarecordlowagainsttheeuroandata30-yearlowagainsttheCanadiandollar.EventheArgentinepesoandBrazilianrealarethrivingagainstthedollar.Theweakdollarisasourceofhumiliation,foranation’sself-esteemrestsinpartonthestrengthofitscurrency.It’salsoapotentialeconomicproblem,sinceadecliningdollarmakesimportedfoodmoreexpensiveandexertsupwardpressureoninterestrates.AndyettherearesubstantialsectorsofthevastU.S.economy-fromgiantcompanieslikeCoca-Colatomom-and-poprestaurantoperatorsinMiami-forwhichtheweakdollarismostexcellentnews.ManyEuropeansmayviewtheU.S.asanarrogantsuperpowerthathasbecomehostiletoforeigners.ButnothingmakespeoplethinkmorewarmlyoftheU.S.thanaweakdollar.ThroughApril,thetotalnumberofvisitorsfromabroadwasup6.8percentfromlastyear.Shouldthetrendcontinue,thenumberoftouriststhisyearwillfinallytopthe2000peak?ManyEuropeansnowapparentlyviewtheU.S.thewaymanyAmericansviewMexico-asacheapplacetovacation,shopandparty,allwhileignoringthefactthatthepoorerlocalscan’taffordtojointhemerrymaking.Themoneytouristsspendhelpsdecreaseourchronictradedeficit.Sodoexports,whichthanksinparttotheweakdollar,soared11percentbetweenMay2006andMay2007.Forfirstfivemonthsof2007,thetradedeficitactuallyfell7percentfrom2006.IfyouownsharesinlargeAmericancorporations,you’reawinnerintheweak-dollargamble.LastweekCoca-Cola’sstickbubbledtoafive-yearhighafteritreportedafantasticquarter.Foreignsalesaccountedfor65percentofCoke’sbeveragebusiness.OtherAmericancompaniesprofitingfromthistrendincludeMcDonald’sandIBM.Americantourists,however,shouldn’texpectanyreliefsoon.Thedollarloststrengththewaymanymarriagesbreakup-slowly,andthenallatonce.Andcurrenciesdon’tturnonadime.Soifyouwanttoavoidthepaininflictedbytheincreasinglypatheticdollar,cancelthatsummervacationtoEnglandandlooktoNewEngland.There,thedollarisstilltreatedwithalittlerespect.

52.WhydoAmericansfeelhumiliated?

A)Theireconomyisplunging

B)Theycan’taffordtripstoEuropeC)Theircurrencyhasslumped

D)Theyhavelosthalfoftheirassets.53.HowdoesthecurrentdollaraffectthelifeofordinaryAmericans?TheyhavetocanceltheirvacationsinNewEngland.Theyfinditunaffordabletodineinmom-and-poprestaurants.Theyhavetospendmoremoneywhenbuyingimportedgoods.Theymightlosetheirjobsduetopotentialeconomicproblems.

54HowdomanyEuropeansfeelabouttheU.Swiththedueddollar?TheyfeelcontemptuousofitTheyaresympatheticwithit.Theyregarditasasuperpoweronthedecline.Theythinkofitasagoodtouristdestination.

55whatistheauthor’sadvicetoAmericans?TheytreatthedollarwithalittlerespectTheytrytowinintheweak-dollargambleTheyvacationathomeratherthanabroadTheytreasuretheirmarriagesallthemore.

56Whatdoestheauthorimplybysaying“currenciesdon’tturnonadime”(Line2,Para7)?Thedollar’svaluewillnotincreaseintheshortterm.ThevalueofadollarwillnotbereducedtoadimeThedollar’svaluewilldrop,butwithinasmallmargin.FewAmericanswillchangedollarsintoothercurrencies.Theanswersasfollow:

52,B,Theircurrencyhasslumped.

53,C,Theyhavetospendmoremoneywhenbuyingimportedgoods.

54,D,Theythinkofitasagoodtouristdestination.

55,C,Theyvacationathomeratherthanabroad.

56,A,Thedollar'svaluewillnotincreaseintheshortterm.

Text3

Itusedtobesostraightforward.Ateamofresearchersworkingtogetherinthelaboratorywouldsubmittheresultsoftheirresearchtoajournal.Ajournaleditorwouldthenremovetheauthors’namesandaffiliationsfromthepaperandsendittotheirpeersforreview.Dependingonthecommentsreceived,theeditorwouldacceptthepaperforpublicationordeclineit.Copyrightrestedwiththejournalpublisher,andresearchersseekingknowledgeoftheresultswouldhavetosubscribetothejournal.

Nolonger.TheInternet–andpressurefromfundingagencies,whoarequestioningwhycommercialpublishersaremakingmoneyfromgovernment-fundedresearchbyrestrictingaccesstoit–ismakingaccesstoscientificresultsareality.TheOrganizationforEconomicCo-operationandDevelopment(OECD)wasjustissuedareportdescribingthefar-reachingconsequencesofthis.Thereport,byJohnHoughtonofVictoriaUniversityinAustraliaandGrahamVickeryoftheOECD,makesheavyreadingforpublisherswhohave,sofar,madehandsomeprofits.Butitgoesfurtherthanthat.Itsignalsachangeinwhathas,untilnow,beenakeyelementofscientificendeavor.

Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.Itisbigbusiness.InAmerica,thecorescientificpublishingmarketisestimatedatbetween$7billionand$11billion.TheInternationalAssociationofScientific,TechnicalandMedicalPublisherssaysthattherearemorethan2,000publishersworldwidespecializinginthesesubjects.Theypublishmorethan1.2millionarticleseachyearinsome16,000journals.

Thisisnowchanging.AccordingtotheOECDreport,some75%ofscholarlyjournalsarenowonline.Entirelynewbusinessmodelsareemerging;threemainoneswereidentifiedbythereport’sauthors.Thisistheso-calledbigdeal,whereinstitutionalsubscriberspayforaccesstoacollectionofonlinejournaltitlesthroughsite-licensingagreements.Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.Finally,thereareopen-accessarchives,whereorganizationssuchasuniversitiesorinternationallaboratoriessupportinstitutionalrepositories.Othermodelsexistthatarehybridsofthesethree,suchasdelayedopen-access,wherejournalsallowonlysubscriberstoreadapaperforthefirstsixmonths,beforemakingitfreelyavailabletoeveryonewhowishestoseeit.Allthiscouldchangethetraditionalformofthepeer-reviewprocess,atleastforthepublicationofpapers.

6.Inthefirstparagraph,theauthordiscusses

[A]thebackgroundinformationofjournalediting.

[B]thepublicationroutineoflaboratoryreports.

[C]therelationsofauthorswithjournalpublishers.

[D]thetraditionalprocessofjournalpublication.

7.WhichofthefollowingistrueoftheOECDreport?

[A]Itcriticizesgovernment-fundedresearch.

[B]Itintroducesaneffectivemeansofpublication.

[C]Itupsetsprofit-makingjournalpublishers.

[D]Itbenefitsscientificresearchconsiderably.

8.Accordingtothetext,onlinepublicationissignificantinthat

[A]itprovidesaneasieraccesstoscientificresults.

[B]itbringshugeprofitstoscientificresearchers.

[C]itemphasizesthecrucialroleofscientificknowledge.

[D]itfacilitatespublicinvestmentinscientificresearch.

9.Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto

[A]coverthecostofitspublication.

[B]subscribetothejournalpublishingit.

[C]allowotheronlinejournalstouseitfreely.

[D]completethepeer-reviewbeforesubmission.

10.Whichofthefollowingbestsummarizesthemainideaofthepassage?

[A]TheInternetisposingathreattopublishers.

[B]Anewmodeofpublicationisemerging.

[C]Authorswelcomethenewchannelforpublication.

[D]Publicationisrenderedeasierbyonlineservice.

參考答案：DCAAB

26.

Inthefirstparagraph,theauthordiscusses

[A]thebackgroundinformationofjournalediting.

thepublicationroutineoflaboratoryreports.

[C]therelationsofauthorswithjournalpublishers.

[D]thetraditionalprocessofjournalpublication.

［正確答案］D

［答案解析］概括段落大意。本文談的是通過(guò)互聯(lián)網(wǎng)發(fā)表研究成果的一種新方式，指出了三大業(yè)務(wù)模式。第一段先談傳統(tǒng)的雜志出版（論文發(fā)表）流程，以此引出話題，所以正確答案是D。A選項(xiàng)journalediting沾點(diǎn)邊，但不吻合。做這類(lèi)題及主題題型可以使用逆向法，即思路是：如果真要寫(xiě)journalediting的，那應(yīng)該從如何編輯，如何取舍及一些編輯的細(xì)節(jié)入手，而本段明顯不是。B離題更遠(yuǎn)，實(shí)驗(yàn)報(bào)告，從何談起呀？C作者與雜志社的關(guān)系，這個(gè)流程是涉及到，但要談的不是這個(gè)?？傊?，此題從本段的內(nèi)容，本段在全篇的作用，以及本文要談的主題角度，可以確定正確答案。

［信心指數(shù)］99.9％

27.

WhichofthefollowingistrueoftheOECDreport?

[A]Itcriticizesgovernment-fundedresearch.

Itintroducesaneffectivemeansofpublication.

[C]Itupsetsprofit-makingjournalpublishers.

[D]Itbenefitsscientificresearchconsiderably.

［正確答案］C

［答案解析］A肯定不對(duì)，報(bào)告并未批評(píng)政府資助的研究，是fundingagencies批評(píng)commercialpublishers，也就是這些資助一些研究項(xiàng)目的機(jī)構(gòu)質(zhì)詢商業(yè)出版機(jī)構(gòu)，我出錢(qián)，是為社會(huì)受益，咋變成你受益了呢？這個(gè)選項(xiàng)錯(cuò)在張冠李戴。B也不對(duì)，報(bào)告引進(jìn)（introduces）了一種新的出版方式嗎？不是它吧？誰(shuí)呢？TheInternetismakingaccesstoscientificresultsareality.是Internet，對(duì)吧？C正確。Why?實(shí)際上是考對(duì)這句話的理解：Thereportmakesheavyreadingforpublishers.“heavyreading”是啥意思呢？費(fèi)力的閱讀。此處的heavy意為hardtodooraccomplish;arduous。字面的意思是，這個(gè)報(bào)告讓獲取巨大利潤(rùn)的出版商們讀起來(lái)費(fèi)勁。為什么讀起來(lái)費(fèi)勁??？是他們的詞匯量不夠讀不懂嗎？當(dāng)然不是，結(jié)合文章所述內(nèi)容，是因?yàn)檫@個(gè)報(bào)告直指要害，觸及了他們。讀出了這層意思，C選項(xiàng)當(dāng)然就可以大膽選啦！D選項(xiàng)不對(duì)，全文核心意思，是互聯(lián)網(wǎng)出版方式會(huì)給科學(xué)研究帶來(lái)巨大的好處，使得科學(xué)成果更容易被人分享。并不是這個(gè)報(bào)告本身對(duì)科學(xué)研究帶來(lái)多大好處。當(dāng)然啦，這個(gè)報(bào)告既然指出了這個(gè)趨勢(shì)，或多或少總能讓科研受益一些，但注意命題者還刻意加了一個(gè)considerably，一篇報(bào)告能有如此“相當(dāng)?shù)摹弊饔茫?/p>

［信心指數(shù)］99.9％

28.

Accordingtothetext,onlinepublicationissignificantinthat

[A]itprovidesaneasieraccesstoscientificresults.

itbringshugeprofitstoscientificresearchers.

[C]itemphasizesthecrucialroleofscientificknowledge.

[D]itfacilitatespublicinvestmentinscientificresearch.

［正確答案］A

［答案解析］文中兩句話決定A正確，一是TheInternetismakingaccesstoscientificresultsareality.二是Thevalueofknowledgeandthereturnonthepublicinvestmentinresearchdepends,inpart,uponwidedistributionandreadyaccess.也就是知識(shí)的價(jià)值在于其廣泛傳播和即時(shí)獲取，而互聯(lián)網(wǎng)使得科學(xué)成果的很容易獲取變?yōu)楝F(xiàn)實(shí)。這不就是基于互聯(lián)網(wǎng)的在線出版的重大意義嗎！B不對(duì)，因?yàn)槲恼率冀K沒(méi)有談?wù)撗芯空叩墨@利問(wèn)題，要說(shuō)談，它也只是談了scientificpublishingmarket是一個(gè)bigbusiness。而且，在線學(xué)術(shù)期刊的第二種業(yè)務(wù)模式（open-accesspublishing），還得研究者自己掏腰包的！科學(xué)知識(shí)本身無(wú)比重要的作用不在本文討論范圍，C不對(duì)。促進(jìn)對(duì)科學(xué)研究的公共投資也無(wú)從談起，D亦被輕松排除。

［信心指數(shù)］99.9％

29.

Withtheopen-accesspublishingmodel,theauthorofapaperisrequiredto

[A]coverthecostofitspublication.

subscribetothejournalpublishingit.

[C]allowotheronlinejournalstouseitfreely.

[D]completethepeer-reviewbeforesubmission.

［正確答案］A

［答案解析］考對(duì)這句話的理解：Thereisopen-accesspublishing,typicallysupportedbyaskingtheauthor(orhisemployer)topayforthepapertobepublished.通過(guò)作者本人（或其老板）付費(fèi)發(fā)表的方式支持開(kāi)架在線閱覽，注意，這里的付費(fèi)，付什么費(fèi)用呀？付給出版網(wǎng)站的費(fèi)嗎？我的想應(yīng)該是發(fā)表論文的研究費(fèi)用，A選項(xiàng)所指即這個(gè)，當(dāng)然這是題外話。B乃空穴來(lái)風(fēng)，毫無(wú)根據(jù)。C有一定的干擾性，本來(lái)這層意思本文也是只字示提，但既