中国建设银行招聘考试真题试卷及答案解析

中国建设银行招聘考试真题试卷（一)(考试时间180分钟，满分120分）第一部分综合知识(共50题，参考时限40分钟）一、单项选择题1. 在下述各种企业制度中，（）属于法人企业。A.业主制B.合伙制C.合作制D.公司制2. 国内生产总值是按市场价格计算的一个国家（或地区）所有常住单位在一定时期内（）的最终成果的总和。A. 经济活动B.生产活动C.社会生产D.社会再生产3. 我国现阶段，全民所用制采取了（）的形式。A. 股份所有制B.混合所有制C.国家所有制D.社会所有制4. 用以反映债权债务或权利责任己经形成,但尚未涉及资金増减变化的会计事项以及保管债券、单位等事项的是（）。A. 表内科目B.表外科目C.资产科目D.负债科目5. 按照资本保金的要求，企业不得用（）发放股利或投资分红。A. 当期利润B.留存收益C.未分配利润D.股本或原始投资6. 金融工具是投融资活动的书面凭证，下列属于所有权凭证的金融工具是（）。A. 商业汇票B.金融债券C.股票D.可转让大额定期存单7. 下列选项中，反映当天全部业务活动情况并轧平当天全部账务的重要工具是（）。A. 科目日结单B.日计表C.总账D.余额表8. 在现代社会中，通常控制社会、经济运行的两大并行力量是（）。A. 宪法和市场B.法律和市场C.政府和政策D.市场和政府9. 为缩小城乡差别、促进城乡经济协调发展，政府提供必要的制度保证和政策支持，体现了的（）职能。A. 经济调节职能B.市场监管职能C.社会管理职能D.公共服务职能10. 团队是指一些才能互补、团结和谐并具有统一目标和标准而共同行动的一群人。其核心是（）。A. 领导人的共同努力B.共同收获2C.个人业绩D.共同奉献11. (1)每年三月，全国人大代表和政协委员都聚集北京，共商。(2) 连学好母语都需要花大力气，下苦功夫，学习外语呢？(3) 这种偷梁换柱的行为对国人的诚信造成了负面影响，国人也因此觉得受损A. 国是况且荣誉B. 国事何况名誉C. 国是何况名誉D. 国事况且荣誉)最为流行。B.复合式D.准中央银行式)服务的。B.金融环境优化D.金融市场健康有序B.证券公司D.中小金融机构12. 世界各国中央银行的组织形式以（A.单一式C.跨国式13. 中央银行所从事的业务是为实现（A.国家宏观经济目标C.国家微观经济目标14. ()是我国金融体系的主体。A.保险公司C.商业银行15. 下列不属于我国中型商业银行特征的是（）。A.市场化程度高B.稳健性与灵活性有机结合C.有鲜明的品牌D.有明显的行政色彩16. 直觉思维是指行为步骤和思维过程不明确、不清晰，对某些现象或者问题直接地、迅速地作出某些猜想、假设或判断的思维。下列选项属于典型的直觉思维的是（）A. 公安刑警根据收集到的证据，对案件进行分析B. 军事指挥员根据侦察兵的情报材料作出军事决策C. 根据所学过的知识解答考试时的难题D. 医生根据病人的口述材料，迅速地作出疾病的诊断17. 世界上任何一个统一文明的国家，都有通用的语言、规范的文字，发达国家不用说，就是许多发展中国家也是如此，所不同的是，有的国家语言和文字的规范是自然形成的，有的则加上了政府的推动、干预。由上面一段文字，我们可以知道（）。A. 通用的语言和规范的文字需要政府的推动和干预B. 通用的语言和规范的文字是国家统一文明的一种标志C. 世界上所有的国家都有自己的语言和文字D. 世界上的语言和文字都是自然形成的18. 在观察地球的气候类型和周期为11年的太阳黑子的活动长达36年以后，科学家们发现,在影响地球气候的风的类型变换之前，太阳黑子活动非常频繁。有人得出结论认为气象学家可以利用这一信息来改善他们天气预报。以下哪个，如果正确，最严重地削弱了以上的论证的是（）。A. 现在的天气预报要比36年前详细得多。B. 科学家们可以确定，太阳黑子活动直接影响地球的气候。C. 气象学家们以前可以利用太阳黑子活动以外的其他证据来预测现在可根据太阳黑子活动来预测的气候状况。D. 科学家们尚未确定为什么太阳黑子活动会遵循11年的周期。19. 被人们称为国际经济贸易“联合国”的组织是（）。B.世界贸易组织D.经合组织B.智囊团D.领导人的个人直觉和预见能力科学管理之父”。B.韦伯D.泰勒A.世界银行C.国际货币基金组织)20. 传统的政策决策往往较多地依赖A.政治系统自身因素C.理性原则21. 科学管理的创始人是（），他又被称为A.法约尔C.威尔逊A.C.-个分析过程个行为过程B.D.个收益过程-个黑箱过程22. 政策不仅具有符号特征，而且是（）。23. 按照组织的章程，服务对象只限于成员国官方财政、金融当局，而不与任何私人企业有业务来往的国际金融组织是（）。A.世界银行B.国际货币基金C.国际开发协会D.国际金融公司24. 根据中国人民银行法的规定，中国人民银行可以（）。A.经营国家黄金储备B.确定市场汇率C.代理工商信贷业务D.代理政策性银行业务25. 修正后的中华人民共和国商业银行法的执行日期是（）。A. 1995年7月1日B. 1995年12月10日C. 2003年12月27日D. 2004年2月1日26. 中华人民共和国商业银行法明确规定商业银行不得从事（）。A.资金业务B.个人理财业务C.证券业务D.贸易融资业务27. 渐进决赛模式是（）在1959年发表的“渐进调适”的科学一文中首先提出来的。A.西家B.奥尔森C.库恩D.林德布洛姆28. 从某种意义上说，一部中国史就是一部朝代兴亡史。历史表明，朝代的兴亡主要取决于()A.统治者的意愿B.民心的向背C.外族的入侵D.农民起义29. 21世纪高科技农业的发展方向主要是（）。A.基因农业B.网上农业C.精细农业D以上都是30. 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. 张某存款类金融机构发布承诺高收益理财产品，其广告骗取了很多人的钱财B. 张某存款类金融机构负责人收受贿略给不符合贷款条件的朋友发放贷款C. 张某存款类金融机构开发了很多高风险、高收益理财产品，诈骗投资者投资D. 张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31. 2011年中央财政用于“三农”的投入拟安排（）亿元，继续増加对农民的生产补贴。A. 1304.8B. 1314.8C. 8884. 5D. 9884. 532. 关于硬盘的叙述中，下列选项错误的是（）。A.硬盘读写速度比光盘慢B.个人计算机硬盘以IDE接口和SATA接口为主C. 硬盘存储容量大D. 硬盘存储器系统由硬盘机、硬盘控制适配器组成33. 在Windows的“我的电脑”窗口中，若己选定了文件或文件夹，为了设置其属性，可以打开“属性”对话框的操作是（）。A. 用鼠标右键单击“文件”菜单中的“属性”命令B. 用鼠标右键单击该文件，然后在弹出的快捷菜单中选中“属性”项C. 用鼠标右键单击“任务栏”中的空白处，在快捷菜单中选中“属性”项D. 用鼠标右键单击“查看”菜单中的“工具栏”下的“属性”图标34. 关于外存储器选购和使用注意事项中，下列选项错误的是（）。A.硬盘性能越高越好B.硬盘尽量选择大容量C. CD-ROM即插即用D.数据传输时，切勿拔出USB内存35. 计算机硬件能直接识别和执行的只有（）。A.高级语言B.符号语言C.汇编语言D.机器语言36. 在Windows中，复制文件的快捷键是（）。A. Ctrl+AB. Ctrl+DC.Ctrl+XD. Ctrl+C37. 下列记账错误中不能通过试算平衡，检查发现的是（）。A. 将某一账户的发生额600元，误写成6000元B. 某一账户的借贷方向写反C. 借方的金额误记到贷方D. 误记了借方的发生额38. 下列会计凭证中属于原始凭证的是（）。A.收款凭证B.付款凭证C.转账凭证D.收款收据39. 我国会计法规定，会计记录的文字应当使用中文，因此，在民族自治的地方会计记录（）。A. 只能使用中文B. 只能使用一种文字C. 可以同时使用当地通用的一种民族文字D. 可以使用中文以外的另一种民族文字40. 会计人员对原始凭证审核后，发现其金额有错误，应由（）。A.制单人员重新开具B.审批人员重新开具C.会计人员重新开具D.经办人员重新开具二、多项选择题1. 建国后第一次全国农村金融工作会议上，明确提出了农村金融工作方针是（）。A.深入农村B.帮助农民C.解决困难D.发展生产2. 解放前，在解放区政府引导以及解放区银行的支持下，建立起多种形式的信用合作组织,主要形式为（）。A.信用部B.信用合作社C.互助合作社D.低利信贷所和村镇银行3. 1999年以来，为适应我国农业和农村经济发展新阶段的需要，农村信用社积极开展金融创新，主要创新形式有（）。A.农户小额信用贷款B.农户联保贷款C.农户抵押贷款D.农户质押贷款4. 会计法律法规是广大会计工作者应当遵循的行为规范。下列选项中属于我国会计法律法规的有（）。A.中华人民共和国会计法B.会计准则C.应用指南D.ABC都是5. 根据中华人民共和国会计法第45条规定，对授意、指使、强令他人伪造、变造或者隐匿、故意销毁会计资料的和为的国家工作人员，尚不构成犯罪的、可以并处（）。A.罚款6000元B.罚款8000元C.降级D.开除6. 下列选项中，属于对信用社扶持政策的主要有（）。A.放松监管B.资金扶持C.税收优惠D.提高存款准备比例7. 下列选项中，两现象之间存在一定相关关系的有（）。A.家庭收入与消费支出B.物价水平与商品需求量C.消费口物价与商业网点D.利率与存贷款数量8. 1999年以来为适应我国农业和农村经济发展的需要，农家信用社积极开展金融创新的主要形式包括（）。A.农户小额信用贷款B.农户质押贷款C.农户联保贷款D.农户抵押贷款9. 下列选项中，关于需求、供给、价格三者之间关系描述正确的是（）。A.需求供给，价格可能趋于上升B.需求供给，价格可能趋于上升C.需求供给，价格可能趋于下降D.需求供给，价格可能趋于下降10. 编制动态数列应坚持的原则是（）。A. 时间长短应该可比B. 总体范围应该一致C. 指标的经济内容应该一致D. 指标的计算方法、计量单位以及数值的变化幅度等应该可比第二部分英语(共55题，参考时限35分钟）Questions 1-5 refer to the following article.Researchers have established that when people are mentally engaged, biochemicalchanges occur in the brain that allow it to act more effectively in cognitive (iA知的） areas such as attention and memory. This is true regardless of age.People will be(警觉的）and(接受能力强的）if they are facedwith information that gets them to think about things they are interested in. Andsomeone with a history of doing more rather than less will go into old age morecognitively sound than someone who has not had an active mind.Many experts are so convinced of the benefits of challenging the brain that theyare putting the theory to work in their own lives. “The idea is not necessarilyto learn to memorize enormous amounts of information, ? says James Fozard, associatedirector of the National Institute on Aging. Most of us don，t need that kind ofskill. Such specific training is of less interest than being able to maintain mentalalertness. ” Fozard and others say they challenge their brains with different mentalskills, both because they enjoy them and because they are sure that their range ofactivities will help the way their brains work.Gene Cohen, acting director of the same institute, suggests that people in theirold age should engage in mental and physical activities individually as well as ingroups. Cohen says that we are frequently advised to keep physically active as weage, but older people need to keep mentally active as well. Those who do are morelikely to maintain their intellectual abilities and to be generally happier andbetter adjusted. The point is, you need to do both, Cohen says, “intellectualactivity actually influences brain-cell health and size. ”1. People who are cognitively healthy are those .A) who can remember large amounts of informationB) who are highly intelligentC) whose minds are alert and receptiveD) who are good at recognizing different sounds2. According to Fozard? s argument, people can make their brains work moreefficiently by .A) constantly doing memory workB) taking part in various mental activitiesC) going through specific trainingD) making frequent adjustments3. The findings of James and other scientists in their work .A) remain a theory to be further provedB) have been challenged by many other expertsC) have been generally acceptedD) are practised by the researchers themselves4. Older people are generally advised to .7A) keep fit by going in for physical activitiesB) keep mentally active by challenging their brainsC) maintain mental alertness through specific trainingD) maintain a balance between individual and group activities5. What is the passage mainly about?A) How biochemical changes occur in the human brain.B) Why people should keep active not only physically but also mentally.C) How intellectual activities influence brain-cell health.D) Why people should receive special mental training as they age.Questions 4648 refer to the following article.People can be addicted to different things e. g., alcohol, drugs, certain foods,or even television. People who have such an addiction (癖好；廳）are compulsive (难以抑制的） ;i. e.，they have a very powerful psychological need that they feel theymust satisfy. According to psychologists, many people are compulsive spenders. Theyfeel that they must spend money. This compulsion, like most others, is irrational-impossible to explain reasonably. For compulsive spenders who buy on credit (赌贝勾），charge accounts (赌贝勾帐户）are even more exciting than money. In other words,compulsive spenders feel that with credit, they can do anything. Their pleasure inspending enormous amounts is actually greater than the pleasure that they get fromthe things they buy.There is even a special psychology of bargain hunting. To save money, of course,most people look for sales, low prices, and discounts. Compulsive bargain hunters,however, often buy things that they dont need just because they are cheap. Theywant to believe that they are helping their budgets, but they are really playingan exciting game. When they can buy something for less than other people, they feelthat they are winning. Most people, experts claim, have two reasons for theirbehavior: a good reason for the things that they do and the real reason.It is not only scientists, of course, who understand the psychology of spendinghabits, but also businesspeople. Stores, companies, and advertisers use psychologyto increase business: They consider peoples needs for love， power, or influence,their basic values, their beliefs and opinions, and so on in their advertising andsales methods.Psychologists often use a method called behavior therapy (疗法） to helpindividuals solve their personality problems. In the same way, they can help peoplewho feel that they have problems with money.6. According to the psychologists, a compulsive spender is one who spends largeamounts of money .A) and takes great pleasure from what he or she buysB) in order to satisfy his or her basic needs in lifeC) just to meet his or her strong psychological needD) entirely with an irrational eagerness7. According to the writer, compulsive bargain hunters are in constant search ofthe lowest possible prices .A) because they want to save money to help their budgetsB) because they can openly boast of their triumph over others in getting thingsfor lessC) and will not have money problems if they can keep to their budgetsD) but they seldom admit they feel satisfied if they can get things for less thanothers8. Which of the following is true?A) All people spend money for exactly the same reason that they need to buy things.B) Businesspeople and advertisers can use the psychology of money to increasesales.C) Businesspeople understand the psychology of compulsive buying better thanscientistsdo.D) compulsive bargain hunters do not have problems with money.9. The article is mainly about .A) the psychology of money-spending habitsB) the purchasing habits of compulsive spendersC) a special psychology of bargain huntingD) the use of the psychology of spending habits in business10. From the passage we may safely conclude that compulsive spenders or compulsivebargain hunters .A) are really unreasonableB) need special treatmentC) are really beyond remediesD) can never get any help to solve their problems with moneyQuestions 11-15 refer to the following article.There is no doubt that a common language used throughout the world would do muchto bring countries closer to each other. Though it is becoming increasingly easyto move from place to place, our inability to communicate with one another givesrise to numerous misunderstandings and makes real contact between people ofdiffering nationalities impossible. Many attempts have been made to overcome thisproblem and they have all failed. The fear of foreign influence and domination rulesout the universal acceptance of any one of the existing major languages. Aware ofthis difficulty, many linguists have constructed artificial languages which couldhave no possible political overtones. They have argued that a language of this sortwould perform much the same service as Latin did in the Middle Ages.Although linguists succeeded in making their artificial languages extremelysimple so that they would be easy to learn, their efforts seemed doomed from thestart. The reason for this is that there is no real incentive to learn an artificiallanguage. There is nothing to guarantee that everybody is willing to make the effort;there is no assurance that the learner will have any adequate return for his toil.When people today undertake to learn a foreign language, they are not interestedonly in speaking it. Mastery of a language makes available to the learner a greatdeal of worthwhile literature and many current publications. This is the biggeststumbling-block of all for the artificially-constructed tongue. Having noliterature of its own, all it can offer is a limited of translations, which arevalueless in themselves. Nor can it acquire any literature; for it would have tobe used for a great many generations before this could become possible. Moreover,constant use over a long period would bring into being many national dialects andthe language would thus defeat its own purpose.Another serious objection is the fact that a language is shaped by use andnot by design. It is a living thing which is forever growing and changing. It takeshundreds of years before it can acquire richness and depth. In an artificial language,however, the meanings of words are rigidly defined. Inflexibility makes for anabsence of subtlety, so that no really fine meaning can be conveyed. Though thisquality might be admirable for scientific publications, it greatly impedes theformation of any significant literature. Latin was ideal in this respect, for itwas a dead language with a literature; an artificial one is dead from the start.This makes it likely that existing language barriers will remain with us for a verylong time.11. What would be the best title for this passage?A) Language Barriers In CommunicationB) Latin, A Dead But Ideal LanguageC) Artificial Language, A Solution to Language BarrierD) Problems With Artificial Languages12. According to the passage, which of the following statements is not true?A) Although it is easy to travel around the world now, real contact is impossibleas a resultof our inability to communicate.B) To overcome the language barrier, people all over the world welcome one of themajorlanguages to be universal.C) People are afraid of losing their own languages as a result of the dominationof major foreign languages.D) There are numerous misunderstandings in peoples contacts.13. The word doomed” (Para 2, Line2) in this passage means .A) welcomedB) acclaimedC) dislikedD) defeated14. According to the passage, artificial languages haven，t succeeded in overcominglanguage barriers mainly because .A) they are designed but not shaped in use.B) they lack incentives to learners.C) they will be mixed with national dialects.D) they have no literature of their own.15. According to the passage, the authors attitude towards artificial languagescan be bestdescribed as .A) optimisticB) sarcasticC) negativeD) positive第三部分行政职业能力测试(共60题，时限70分钟)单项选择题1. 房产税并非能直接降低房价，但是对房价预期起作用，在于建立合理的长效税收机制，对于促进商品房市场机制的形成必不可少。今后应征收存量房的房产税，以逐步土地出让金，这一步应及早进行。填入划横线部分最恰当的一项是：（）A. 目的废除B.意义取代C.影响废止D.价值取消2. 收藏家从来不是将艺术品作为商品来对待的人，对他们而言，收藏是一种暂时性的投资，是一种激情：艺术的激情，物质的激情，历史的激情，占有的激情。正是这种激情重新改写了艺术品的意义。填入划横线部分最恰当的一项是：（）A. 与其说不如说B.不仅而且 C.尽管然而D.哪怕也3. 个人拥有包容心态，在为人处事时就不会，也不会卑躬屈膝，他会平心静气，拒绝浮华，兼收并蓄，包容万物。填入划横线部分最恰当的一项是：（）A. 目空一切B.盛气凌人 C.狂妄自大D.仗势欺人4. 关于兰州拉面用“食用胶”使面条筋道的报道，再一次了公众对于“食品添加剂”敏感的神经。“吃一碗面等于吃掉一只塑料袋”的恐吓，成功地煽起了公众的一一这再次凸显，我们的记者急需提升基本的科学素养。填入划横线部分最恰当的一项是：（）A. 震动惊慌B.触动慌乱 C.拨动恐慌D.惊动恐惧5. 似曾相识的故事，只要你静心观察，就在我们生活周遭日复一日地演出。人生旅途看起来纷繁纷沓，置身其中才知那是独来独往的终身体验一一沿途的浮光掠影响，何尝不是为了成就我们或丰饶或的内在?填入划横线部分最恰当的一项是：（）A. 单一式单薄B.木偶式贫穷C.平面化骨感D.机械化贫瘠6. 在现代民主制国家中，法律至少在形式上追求六个方面的价值目标，即平等、民主、秩序、自由和效率以及程序的正义，为了实现上述的价值或协调上述价值以充分发挥其调整社会关系的功能和效率，法律必须首先确立其在社会成员中的权威，使人们自愿接受它所确立的行为规范，而要促成这种结果，就一定要依靠民主制度自身的建设，民主愈发达，就愈能有效地控制权力的滥用和特权的滋生。这将会为法律的使用和遵守提供良好的政治环境和社会环境，法律也因此而更加具有权威性和有效性。这段文字意在说明：（）A. 民主是现代法最核心的价值目标B.民主是实现现代法价值的前提和基础C.民主决定现代法的发展方向D.民主是现代法的威力与作用的保障7. 文化“必定有异”，文明“难免有异”；文化“必须存异”，文明“可以有异”。这就是文化与文明的区别。所以，文化可以交流，甚至融合，但最终“存异”。文明的趋向，却是“求同”。因为文明的背后，是核心价值;而只有人类共同的价值，才最有价值。由此可见，只要把握了全人类的共同价值，又能兼收并蓄各民族的不同文化，那就能打造出自己的“文化航母”。根据这段文字，不能得出的观点是：（）A. “求同”是打造文化航母的根本B.文化对“异”的包容程度要宽于文明C.世界文明存在着不同价值取向D.文化即使融合也难以消除差异8. 在信仰崩溃的时代，那些佯癫装疯的狂人倒是一些太严肃地对待其信仰的人。鲁迅深知此中之理，说嵇康、阮籍表面上毁坏礼教，实则倒是太相信礼教，因为不满意当权者利用和亵渎礼数，才以反礼教的过激行为发泄内心愤想。其实，在任何信仰体制之下，多数人并非真有信仰，只是做出相信的样子罢了。于是，过份认真的人就起而论宄是非，阐释信仰之真谛,结果被视为异端。对这段文字主要意思概括最恰当的一项：（）A.真正有信仰的人并不多B.真正的信仰者往往是那些被视为异端的人C.把信仰太当回事会使人行为不正常D.很多自称有信仰的人只是徒有其名9. 纵然有一百个理由为职业“光环”褪色而辩解，更有一万个理由要求这个职业不能踩踏底线。弃守底线，不管是搬出为了生存的经济理由，还是将良知的缺失归咎为体制的束缚，将一切推责给外部的环境，都是对职业伦理的戕害。这段文字意在说明：（）A.体制的束缚是职业伦理的主因B.体制伦理受损一般源于职业“光环”的褪色C.任何时候都不能突破职业道德底线D.弃守底线者总会给自己找借口10. 在几千年的历史中，我们始终没有断过敌人，东西南北，四面都有。虽然有的当年的敌人今天可能己融入中华民族之中;但是在当年，他们只能算是敌人。我们决不能把古代史现代化，否则我们的苏武、岳飞、文天祥等一大批著名的爱国者，就都被剥去了爱国的光环，成为内战的牺牲者。这段文字的主旨是：（）A.民族英雄都是爱国者B.内战和统一交替是历史发展的规律C. 不同时期的爱国主义都具有狭隘性D.不能因历史变迁而否定民族英雄事迹11. 现在的学术发言环境比过去好多了，可知识分子中存在一种奇怪的犬儒主义，不敢把自己的思想讲出来，唯恐得罪什么人。之所以存在这种情况，有些是过去搞怕了，有些是胆小，但你在学术界，不把真正的问题讲出来，看脸色行事，是做不成学问、搞不成研宄的。对这段文字的主要意思概括最恰当的一项是：（）A.做学问要敢于挑战权威B.没有骨气的人成不了学术大家D. 敢于表达自己的思想才能做好学问D.学术环境是影响学术成就的重要因素12. 第二次世界大战后，多数先行国家的行政重心沙沙逐渐向社会福利管理转移，它们的人口基础管理，普遍形成了一种以“人口服务”为主的新体制。这种体制并没有放弃人口的管控，只是这种管控的核心目标是人口服务，基本手段是人口服务，表现形式也是人口服务。它将管控寓于