[山西]华夏银行太原分行招聘上岸历年高频考点试卷答案详解

[山西]华夏银行太原分行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)1.一项挖土工程，如果甲队单独挖16天可以完成，乙队单独挖要20天才能完成现在两队同时施工，工作效率提高了20%当工程完成了1/4时，突然遇到地下水，影响施工进度，使得每天少挖了47. 25立方米的土，结果共用了10天完成工程整个工程要挖土多少立方米?( )A.800B.1100C.1700D.2000答案：B 本题解析：由题意知，甲队每天完成这项工程的1/16，乙队每天完成这项工程的1/20，甲、乙两队合作每天完成这项工程的(1/16+1/20)×(1+20%)=27/200根据工作量÷工作效率之和=甲、乙两队的工作时间，可以求出完成工程的1/4时，甲、乙两队合作的天数，这样剩下的1-1/4=3/4工程所用的天数就很容易求出再根据工作量除以工作时间等于甲、乙两队现在的工作效率和，由效率和的差与47. 25立方米的对应关系，求出整个工程要挖土的体积数2.我国社会主义道德建设的核心是为人民服务，我国《公民道德建设实施纲要》中的20字基本道德规范，除了“爱国守法、明礼诚信、团结友善、勤俭自强”外，还有（ ）A.助人为乐B.爱岗敬业C.敬业奉献D.尊老爱幼答案：C 本题解析：我国《公民道德建设实施纲要》中的20字基本道德规范是:爱国守法、明礼诚信、团结友善、勤俭自强、敬业奉献。

正确答案为C3.A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：第一、二个图形构成了 A项图形的左上半部分，第三、四个图形构成了右下半部分4.The economy of the United states after 1952 was the econnomy of a well-fed,almost fully employed people. Despit occasional alarms, the country escaped any postwar depression and lived in a state of boom. A n economic survey of the year 1955, a typical year of the 1950’s, may be typical as illustrating the rapid economic growth of the decade. The national output was value at 10 percent above that of 1954 (1955 output was estimated at 392 billion dollars). The production of manufacturers was about 40 percent more than it had averaged in the years immediately following World War 2. The country’s business spent about 30billion dollars for new factories and machinery. National income available for spending was almost a third greater than it had been it had been in 1950. Consumers spent about 256 billion dollars; that is about 700 million dollars a day ,or about twenty-five million dollars every hour , all round the clock. Sixty-five million people held jobs and only a little more than two million wanted jobs but could not find them . Only agriculture complained that it was not sharing in the room. To some observers this was an ominous echo of the mid-1920’s . As farmer’s shre of their products declined , marketing costs rose. But there were , among the observers of the national economy, a few who were not as confident as the majority . Those few seemed to fear that the boom could not last and would eventually lead to the oppsite-depression.he boom could not last and would eventually lead to the oppsite-depression.The passage states that incom available for spending in the U.S. was greater in 1955 than in 1950 . How much was it ?A.60％B.50％C.33％D.90％答案：C 本题解析：暂无解析5.根据以下图形的规律，问号处应填入的是（ ）。

{图1}A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：图形中都有且只有l 条直线6.2012年中国对中国香港和中国台湾货物出口额之和占货物出口总额的比重约为（）A.2%B.8%C.18%D.28%答案：C 本题解析：现期比重计算，（3235+368)/20489=18%,所以选择C.7.Research recently conducted on the side effects of the medication __________ that it should not be prescribed to diabetic patients.A.has foundB.has been foundC.findsD.was finding答案：A 本题解析：此题为选择动词的正确形态的问题句子表示“最近的研究确定了……”，同时．主语“research”和动词“find”为主动关系，故选A8.获得2012年夏季奥运会的举办权的城市是（ ）。

A.英国伦敦B.法国巴黎C.美国纽约D.俄罗斯莫斯科答案：A 本题解析：2005年7月6日，国际奥委会第117次全会在新加坡进行，伦敦通过4轮投票，在最后一轮中以54 : 50击败巴黎，获得2012年第30届夏季奥林匹克运动会的举办权， 伦敦也成为第一个三次获得奥运会举办权的城市，此前伦敦曾分别在1908年和1948年举办过奥运会9.What is learned about “Vern in the Hills”?A.It is based on a novelB.It is shown year-roundC.It has been in production for 50 yearsD.It has sold more tickets than any other show答案：C 本题解析：暂无解析10.以下说法与资料相符的是（ ）A.表中产品2011 年7 月产量同比增速均慢于上半年B.2011 年7 月，十种有色金属同比上年同期增产9.8 万吨C.2010 年11 月，汽车日均产量超过4 万辆D.2010 年汽车产量最低的季度是一季度答案：C 本题解析：钢材7 月产量同比增速高于上半年，A 说法错误；十种有色金属比上年同期增长了9.8%，而不是9.8 万吨，增长量应为293×9.8%÷（1+9.8%）≈297×0.1÷1.1=27 万吨，B 说法错误；2010年11 月，汽车日均产量应为6.1÷（1+27.6%）>6÷1.5=4，C 说法正确；观察柱状图，2010 年汽车产量最低的季度应该为第三季度，D 说法错误。

故正确答案为C11.登记账簿的依据是（）A.经济业务B.原始凭证C.记账凭证D.会计报表答案：C 本题解析：暂无解析12.有一列火车长250米，现在过长为500米的桥，那么火车头从开始进入到完全过完桥需要（ ）时间（已知火车速度为54千米/小时）A.30秒B.40秒C.50秒D.60秒答案：C 本题解析：注意火车所走的总路程是750m，另注意时间的换算13.2011年来华留学生(不含港、澳、台地区，下同)总人数比上年增长27521名，同比增幅为10．38％其中自费生总人数266924名，比上年增长24224名，其他均为中国政府奖学金生，共计25687名2011年来华留学生人数超过5000名的国家及其留学生人数国家 人数国家人数蒙古7112巴基斯坦8516韩国62442哈萨克斯坦8287日本17961俄罗斯13340越南13549法国7592泰国14145德国5451印度尼西亚10957美国23292印度9370{图}2011年来自各大洲的在华留学生人数占全年在华留学生总数的比重若2011年来华韩国留学生均为自费生，则其他国家留学生中，中国政府奖学金生的比重约为( )。

A.9％B.11％C.15％D.20％答案：B 本题解析：除韩国外，其他国家留学生人数为292611-62442，中国政府奖学金生的比重为25687+(292611－62442)=25687÷230169≈25687÷230000=11.2％，选择B项14.2005年，在普京总统的直接关注以及各方面的通力配合下，俄罗斯反有组织犯罪工作人员 成功没收了 1200件武器、15万8千发子弹、1300多个爆炸装置、336公斤炸药以及1700 多公斤毒品，打掉了不少具有跨地区性质的重大犯罪团伙俄罗斯有组织犯罪的真实情况是（ ）A.形势严峻B.杜绝C.情况不明D.呈下降趋势答案：A 本题解析：B、C、D三个选项实际上在该句中都没有被提及，句中所提到的是“总统 的重视”“各方面的配合”“没收武器等数量巨大”“跨地区性质犯罪团伙”，这些都表明俄罗斯有 组织犯罪的情况已经十分严峻，否则不会连总统都要重视15.A.见图AB.见图BC.见图CD.见图D答案：D 本题解析：每行的前两个图形去同存异得到第三个图形。

16.FOR TWO MARKETING EXECUTIVESLegend Co. is an international famous company specialized in manufacturing furniture and household appliances. It is headquartered in Now York and has established over 30 branches around China With the rapid growth now the company needs two marketing executives.Qualifications:Nationality: ChineseEducation: master degree in Marketing Management Economics or other related majorsExperience: at least 3 years’ experience in marketingSkills: good command of oral English；proficient business trips are acceptableOthers: obedient to arrangements of the company frequent business trips are acceptableIf you wants to work in the company and are qualified please call at 01087654321 and contact Mr. SmithJudging from the text what most probably produced by Legend Co.?A.table oven and garmentB.wardrobe printer and dryerC.bedside lamp sofa and closetD.refrigerator washing machine and laundry detergent答案：C 本题解析：细节题。

根据文段第一句“Legend Co. is an international famous company specialized in manufacturing furniture and household appliances”可以得知，这家“传奇公司”主要生产家具和家用电器故C项是床头灯沙发和壁橱A项是小烤箱和服装B项办公用打印机和烘干机D项是电冰箱，洗衣机和洗衣液故ABD三项均排除因此答案选C项17.Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savingsSome scary facts about retirement?More than 50% of persons do not have enough finances for retirement?25%do not participate in their company’s retirement plan?The average person spends 20 years in retirementHere are some tips to help you plan correctly1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals2. Save and keep on saving. Make it a habit to save as much as you can3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options5. Learn about pension. If you have an employer or government pension plan learn all the details6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goalsWhat will happen if you withdraw your retirement savings before you retire?A.You may have to pay penaltiesB.You will fail to realize your goalsC.You retirement savings will become off-limitsD.You should save money for your retirement all over again答案：A 本题解析：细节题。

根据关键词定位到原文段标号6“Don’t make a withdrawal until you retire You might incur penalties and it will be a setback for realizing your goals”可以得知，一旦提前取走养老金，就很可能面临罚款，故A项符合B项绝对了，可能对实现自己的目标会有障碍，但并不是就实现不了，排除B项文段表明的意思是尽量不要动用这笔养老的钱，而不是动用了就会冻结，因此排除D项文段没有提及要不要重新缴纳的问题，故排除D项因此答案选A18.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 institutions’ reports to determine their compliance with the prudential regulations and to evaluate performance, evolution, management, etc, e.g.breakdown of loan portfolio, loan ratio, loan provisions, diversification of assets, etc, and prepare periodical reports to Head of Financial System Department（DFSS）.　 Assist the Division of Licensing and Regulation（DLR） （10）business plan presented.　 Conduct follow up examination of banks to determine whether previous recommendations made or corrective measures being suggested by the BCTL have been implemented.　 Check compliance by banks/financial institutions with laws and regulations and propose the imposition of sanctions in the （11）of non-compliance.　 Prepare letters and reports relating to the above duties.　 Perform other tasks assigned by the Head of DFSS.3．（　　）A.mattersB.affairsC.resultsD.events答案：D 本题解析：in the events of为固定搭配，表示“万一，倘若，如果发生”，句意为：依据法律、法规的规定来检查各银行、金融机构，万一有违规行为就应提出实施制裁。

19.Mail carriers are encouraged to（　　）comfortable shoes while on duty.A.woreB.wearingC.wornD.wear答案：D 本题解析：encourage sb to do sth意为“鼓励某人做某事”，后接动词原形，因此选D项20.使用1条直径和一条弦可以将一个圆分割成4个部分，那么，使用10条直径和1条弦可以把一个圆分割成多少个部分（ ）？A.31B.27C.40D.21答案：A 本题解析：用1条直径和1条弦最多可以把圆分成1*2+2=4份，用2条直径与1条弦最多可以把圆分成2*2+3=7份，用3条直径与1条弦最多可以把圆分成3*2+4＝10份，用n条直径与1条弦最多可以把圆分成2n+(n+1)=3n+1份，所以用10条直径与1条弦最多可以把圆分成10*3+1＝31份A项正确，B、C、D选项不符合题意，故本题正确答案选择A项21.5586876×52145846的后两位数字之和是（）[2008年招行真题]A.13B.14C.15D.16答案：C 本题解析：可用尾数法计算。

题干要求计算结果的后两位数字之和．只需算出76×46=3496．其后两位数字之和为9+6=15，即为所求，故选择C22. 2011年7月26日，中国第一台自行设计、自主集成研制的_______深海载人潜水器首次成功突破5000米，最大下潜深度5057米，连续刷新中国载人深潜纪录 （ D ） A.天宫一号B.嫦娥二号C.嫦娥三号D.“蛟龙”号答案：D 本题解析：暂无解析23.一个高使用率的四位密码门锁，为了防止他人从按键附着的指纹破解．怎样设置密码相对更安全?A.密码由两个不同的数字组成B.密码由三个不同的数字组成C.密码由四个不同的数字组成D.密码由三个或四个数字组成答案：B 本题解析：若密码由四个不同的数字组成若密码由三个不同的数字组成，先选出两个重复数字所在数位然后排序若密码由两个不同的数字组成，分两种情况，三位重综上，密码由三个不同的数字组成最安全24.依次填入横线部分最恰当的一组是（）①日本政界的一些 人_寡改日本侵华的历史，引起中日两国人民的强烈反对②端午节，民间有在身上挂香荷包 的_，据说这样可以祛除疾病。

③见到这一情景，她那满腔 ，似乎一下子都黼解了A.竟然 风俗 怒火B.妄图 习俗 怨恨C.试图 习惯 愤怒D.妄图 风气 怨恨答案：B 本题解析：篡改历史为贬义,故第一空填人“妄图”,符合此处语境，排除A、C项端午节挂香荷包是一种习俗，排除D项本题正确答案为B25.天气预报中说的“湿度”是（ ）A.绝对湿度B.气象湿度C.比较湿度D.相对湿度答案：D 本题解析：空气中水汽多寡亦即干湿程度的物理量，称为空气湿度公众天气预报中最常用的是相对湿度相对湿度是空气中实际水汽含量（绝对湿度）与同温度下的饱和湿度（最大可能水汽含量）的百分比值故本题答案选D26.面对繁忙的交通，我们总觉得是无序的，一旦拨云见日，会发现在“混乱”之下依然存在着群体写作：每一辆车都有其目标，每一个驾驶员都努力避免交通事故，这是个体行为；在路上行驶时，汽车首尾相接，车距狭小但并不碰撞，车距加大时就加速，车距小时就减速，这就是群体协作如果拒绝协作，马路将会成为废铜烂铁的堆积地，有趣的是，这主要并不是交警指挥的结果，而是每一位驾驶员追求自身目标后的无意结果。

这段文字意在强调：（ ）A.个体行为是群体协作的基础B.个体行为与群体协作并不矛盾C.群体协作是人类社会生活中非常重要的因素D.群体协作是个体实现目标时自然体现的结果答案：D 本题解析：由最后一句“这主要并不是交警指挥的结果，而是每一位驾驶员追求自身目标后的无意结果可以得出答案，群体协作是个体实现目标时自然体现的结果27.参与诺鑫银行移动金融营销的电商中有十多家团购网站，其采用电商模式 O2O那么，O2O是指( )A.Online To OfflineB.Offline To OfflineC.Offline To OnlineD.Online To Online答案：A 本题解析：暂无解析28.消费者在选择卖主时，真正看重的是顾客让渡价值顾客让渡价值是（　　）的差额A.顾客总价值和服务总成本B.客潜在价值和服务总成本C.顾客总价值和顾客总成本D.顾客潜在价值和顾客总成本答案：C 本题解析：顾客让渡价值是指顾客总价值与整体顾客成本之间的差额顾客总价值是指顾客购买某一产品与服务所期望获得的一组利益，包括产品价值、服务价值、人员价值和形象价值；顾客总成本是指顾客为购买某一产品所耗费的时间、精神、体力以及所支付的货币资金等，包括货币成本、时间成本、精神成本和体力成本。

29.左边给定的是纸盒的外表面，下列哪一项能由它折叠而成？（ ）A.见图AB.见图BC.见图CD.见图D答案：A 本题解析：B项，右侧面的半圆应在底边上，排除C项，右侧面的箭头应朝上，排除D项，右侧面的半圆应在另一条短边上，排除本题正确答案为A30.下列说法不正确的是( ) A.占优均衡一-定是纳什均衡B.即使博弈参与人事先达成一致，也不一定可以实现占优均衡C.在采用重复刷除方法的博弈中，一定存在占优均衡D.占优均衡中每个参与者都实现了效用最大化答案：B 本题解析：纳什均衡是每个博弈参与人都确定在给其他参与人战略决定的情况下，他选择了最优战略以回应对手的战略而占优策略指的是不论其他人参与人选择什么战略，他的最优策略是唯一-的当所有人都做到自己的占优策略是，称作占优策略均衡选择A,纳什均衡是给定他人之后，自己做到最好选择，所以占优策略是纳什均衡的一种状况，知识前提条件不同选项B提到参与人事先达成一致，此种状态下，所有参与人的都明确对方的选择再去协调自己的选择，由此可以做到占优策略，即对自己的最优选择。

故选择B为本道题的答案选项C中的重复剔除法逐一提出对自已不利的策略，从而去找到最佳做法，当每个参与人都这样做，即每个人实现了自己的占优策略与占优均衡选项D为占优均衡的原意故本题选B.31.Passage 2The food we eat seems to have profound effects on our health. Although science has made enormous steps in making food more fit to eat, it has, at the same time, made many foods unfit toeat. some research has shown that perhaps eighty percent of all human illness are related to diet and forty percent of cancer is related to the diet as well, especially cancer of the colon. Different cultures are more prone to contract certain illness because of the food that is characteristic in these cultures.That food related to illness is not a new discovery. In 1945, government researchers realized that nitrates and nitrites, commonly used to preserve color in meats, and other food additives, caused cancer. Yet, these carcinogenic additives remain inour food, and it becomes more difficult all the time to know which things on the packaging labels of processed food are helpful or harmful.The additives which we eat are not all so direct. Farmers often give penicillin to beef and poultry, and because of this, penicillin has been found in the milk of treated cow. Sometimes similar drugs are administered to animals not for medicinal purposes, but for financial reasons. The farmers are simply trying to fatten the animals in order to obtain a higher price on the market. Although theFood and Drug Administration （FDA） has tried repeatedly to control these procedures, the practices continue.The world ‘this’ in the second sentence of paragraph 2 most probably refers to ___.A.farmerB.penicillinC.beef and poultryD.the fact that farmers often give penicillin to a beef答案：D 本题解析：暂无解析32.1，13， 45， 169， ( )A.443B.889C.365D.701答案：B 本题解析：将每项的自有数字加和为：1，4，9，16，（25）889＝＝》8＋8＋9＝2533.某班50名同学为灾区人民捐款．平均每个女同学捐款8元，每个男同学捐款5元，已知全班女同学比男同学多捐101元，求这个班男、女学生各多少人?（）[银行真题]A.男生28人,女生22人B.男生23人,女生27人C.男生20人,女生30人D.男生26人,女生24人答案：B 本题解析：假设男、女生各25人，那么女同学共捐8×25=200元，男同学共捐5×25=125元，女同学比男同学多捐75元．比实际少了101—75=26元，说明女同学人数大于25人，每减少一个男同学增加一个女同学。

男、女同学的捐款钱数的差就会增加5+8=13元所以要减少2个男同学，增加2个女同学即男同学有23个，女同学有27个34.What is your favourite colour? Do you like yellow , orange ,red? If you do ,you must be an optimist, a leader, an active person who enjoys life, people and excitement. Do you prefer greys and blues? Then you are probably quiet,shy, and you would rather follow than leaD. You tend to be a pessimist. At least, this is what psychologists tell us, and they should know,because they have been seriously studying the meaning of colours preference, as well as the effect that colours have on human beings. They tells us, among other facts,that we do not choose our favourite clour as we grow up----we are born with our preference.If you happen to love brown, you did so, as soon as you opened your eyes, or at least as soon as you could see clearly.Colours do influence our moods----there is no doubt about it .A yellow room makes most people feel more cheerful and more relaxed than a dark green one; and a red dress brings warmth and cheer to the saddest winter day. On the other hand ,black is depressing. A black bridge over the Thames River, near London, used to be the scene of more suicides than any other bridge in the area ----until it was repainter green.The number of suicide attempts immediately fell sharply ;perhaps it would have fallen even more if the bridge had been done in pink or baby blue.Light and bright colours make people not only hppier but more active. It is an established fact that factory workers work better,harder ,and have fewer accidents when their machines are painted orange rather than black or grey.Which of the following is facts?A.People's preference of one colour to another is instinctB.People's preference of one colour to another is acquired as they grow upC.More people happen to love brown because they saw something brown when they were bornD.Colours have little influence on our moods答案：A 本题解析：暂无解析35.西方国家专门为经济开发提供投资性贷款的专业银行是（） 。

A.抵押银行B.开发银行C.投资银行D.贴现银行答案：B 本题解析：开发银行(Development bank)是专门为经济开发提供投资性贷款的专业银行36.What is NOT mentioned about the awards?A.They will be judged by more than one personB.Money will be given away to the winnersC.Winners will get a chance to go away next summerD.The winning pieces will be presented in an art museum答案：D 本题解析：文章中提到由艺术评论家担任评审A，有奖金B，获奖者可参加明年夏天在巴黎举行的艺术营会C，没有提到D37.汇票是_________签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据A.出票人B.B付款人C.金融机构D.收款人答案：A 本题解析：暂无解析38.Directions： Read the texts that follow. Each text is followed by several questions. Select the best answer for each question.　 Questions 1～5 refer to the following passage．　 You’re busy filling out the application form for a position you really need；let’s assume you once actually completed a couple of years of college work or even that you completed your degree． Isn’t 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 University？　 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 are better with a diploma from a wellknown university. Registrars at most wellknown 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 applicant’s lying， most colleges are reluctant to accuse the applicant directly. One Ivy League school calls them impostors； another refers to them as special cases. One wellknown 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 jobseekers 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 jobseeker visited his younger brother for a football weekend． One school that keeps records of false claims says that the practice dates back at least to the turn of the century—that’s whe。