下面是小编为大家整理的银行招聘考试真题及答案，本文共10篇，如果喜欢可以分享给身边的朋友喔!
篇1：银行招聘考试真题及答案
银行招聘考试真题及答案
真题展示：
1、某支行男性员工占60%，招聘进一些大学生后，员工总人数增加20%，男性员工占总数的75%，则男性员工增加了( )。
A.30% B.25% C.50% D.15%
【答案】C。解析：利用特值法，假设开始总员工人数为 100 人，则男员工人数为 60 人，招聘后，总人数为120人，男员工为90人，男员工增加了30人，增加50%。
2、甲、乙两人在银行都有存款，已知甲有存款160元，若甲取出存款的75%，乙取出存款的1/3，则甲的余款是乙的一半，那么乙原来在银行的存款有( )元。
A.150 B.200 C.100 D.120
【答案】D。解析：甲的余额为160×25%=40，则乙的余额为80元，那么乙原来有存款80÷2/3 =120。
根据这两道建行数量关系真题，大家不难看出：
银行在考察行测时，难度并不大，所以建议考生在备考过程中把时间和精力放到基础题上去，这样才能真正提高分数，而不是去研究一些难题、偏题、怪题。
最基本的方法比如整除、特值、比例、方程的应用频率还是非常高的，尤其是特值法，考生在备考过程中务必重点复习重点对待，把计算过程中的某些量设为特殊数值可以简化列式简化计算。
在考察过程中可能会涉及银行中的`一些基本知识，因此各位考生在复习的时候，还要对银行基本常识和基础知识需要有一定的了解。
希望各位考生能够把自己的时间合理安排好、利用好，充分利用各种零碎时间，把考试内容复习好，要得高分除了方法之外，更重要的是自己后期的努力，建议考生多做一些历年银行考试真题以及模拟题，只有多做题，多总结，多反思，才能让自己更快的进步。
篇2：银行从业考试真题以及答案
1.下列关于股价与其相关因素关系的理解，错误的是( )。
A.一般来说，在稳定的宏观环境下，股价和公司经营状况在长期呈现正向关系
B.在短期，股价和公司基本面情况呈现反向关系
C.在宏观环境变动加剧的情况下，股票的风险加大
D.社会投机因素常常使股价过分增长，出现股市泡沫
2.下列关于证券投资基金的说法，错误的是( )。
A.投资基金适合作短期投机炒作
B.投资基金适合作中长期投资
C.投资者购买基金时需要支付一定的费用
D.资本利得是证券投资基金收益的重要组成部分之一
3.从本质上说，回购协议是一种( )。
A.信用贷款
B.融资租赁
C.以证券为质押品的质押
D.金融衍生品
4.短期政府债券采用( )发行。
A.贴现方式
B.溢价方式
C.按面值
D.平价方式
5.从金融产品的几大类来看，( )的风险最高。
A.衍生产品类
B.股权类产品
C.债权类产品
D.可转换债券
6.下列对于影响股票价格波动的微观因素，理解错误的是( )。
A.增加股息派发往往比股票分割对股价上涨的.刺激作用更大
B.通常，股价与公司派发的股息成正比
C.公司资产净值增加，股价上升
D.公司股价的涨跌和公司盈利的变化并不是同时发生的
7.以募满发行额为止，所有投标商的最低中标价格为最后单一的中标价格，全体标商的中标价格一致，这采取的是( )的发行方式。
A.以收益率为标的的美国式招标
B.以价格为标的的美国式招标
C.以收益率为标的的荷兰式招标
D.以价格为标的的荷兰式招标
8.下列关于看涨期权和看跌期权的说法，正确的是( )。
A.若预期某种标的资产的未来价格会下跌，应该购买其看涨期权
B.若看涨期权的执行价格高于当前标的资产价格与期权费之和应当选择执行该看涨期权
C.看跌期权持有者可以在期权执行价格高于当前标的资产价格与期权费之和时执行期权，获得一定收益
D.看涨期权和看跌期权的区别在于期权到期日不同
9.在外汇的直接标价法下，汇率下降意味着( )。
A.本国货币币值下降
B.间接标价法下的汇率也下降
C.固定数额的外国货币能换取的本国货币数额比以前增多
D.外国货币与本国货币的比价下降
10.某企业利润表显示：净利润300万元，所得税150万元，利息费用50万元，则该企业20的已获利息倍数为( )。
A.6 B.7 C.8 D.10
篇3：银行从业考试真题以及答案
1.B【解析】在短期股价和公司基本面情况的关系极其复杂时，股价呈现“随机游走”状态，故选B。
2.A【解析】投资者如果短期投机炒作，频繁买卖基金，所支付的手续费可能会很高，从而增大投资成本，故选A。
3.C【解析】回购协议是指在出售证券时，与证券的购买商签订协议，约定在一定期限后按原价或约定价格购回所卖证券，从而获得即时可用资金的一种交易行为，所以，从本质上说，回购协议是一种以证券为质押品的质押。故选C。
4.A【解析】短期政府债券采用贴现方式发行，即投资者以低于面值的价格购买短期政府债券，到期时按面额偿还，面额和购买价之间的差额就是投资者的收益。故选A。
5.A【解析】从金融产品的几大类来看，储蓄和债权类产品的风险通常较低。股票的风险较高，可转换债券的风险介于其间;基金的风险因具体产品的不同而不同;衍生产品类的风险最高。故选A。
6.A【解析】股票分割对投资者持有股票的市值总额没有直接影响，但是投资者持有的股票总数增加了，股价的上升空间更大，因此股票分割往往比增加股息派发对股价上涨的刺激作用更大，故选A。
7.D【解析】常识题。
8.C【解析】若预期某种标的资产的未来价格会下跌，应该购买其看跌期权而不是看涨期权，故A选项的说法错误。若看涨期权的执行价格高于当前标的资产价格，执行期权会形成亏损，故B选项的说法错误。看涨期权和看跌期权的区别在于权利性质不同，D项错误。故选C。
9.D【解析】直接标价法是指以一定单位外国货币作为标准，折算成一定数额本国货币，即以本国货币来表示外国货币的价格。因此，直接标价法下汇率下降意味着外国货币与本国货币的比价下降，故选D。
10.D【解析】已获利息倍数=(净利润+所得税费用+利息费用)÷利息费用=(300+150+50)÷50=10。故选D。
篇4：银行招聘真题判断
一、判断题(1*15)
1.如果本国货币贬值，出口同样的物品将换得更少的外汇，资源将从生产出口品的行业转移到生产进国内需求品的行业，
2.根据分散化投资的原理，一个投资组合中所包含的股票越多，风险越小。
3.国际自由贸易可以使每个人的福利得到提高。
4.根据IS-ML分析框架，人们对债券需求的增加并不会影响利率水平。
5.当面临货币市场冲击时，为减少产出波动，货币政策应该以利率水平为操作目标。
6.市场经济作为一种资源配置方式，既可以存在于资本主义经济中，以可以存在于社会主义经济中，不同社会经济制度中的市场经济，并不受其赖以存在的社会经济制度的影响和制约，
7.个人收入的分配包括初次分配和再分配，前者是在微观领域中进行的，后者是集中宏观领域中进行的。
8.充分就业是指使所有符合法律规定、有工作能力的人都可以找到有报酬的工作。
9.金融风险是由于各种不稳定因素的影响，从而发生损失的可能性。
10.非现场监管是监管当局针对单个银行在合并报表的.基础上收集资料、分析银行机构经营稳健型和安全性的一种方式。
11.1988年7月巴塞尔银行监管委员会发布的《巴塞尔报告》，其内容就是确认了监管银行资产的可行性统一标准。
12.外汇市场本身并不是一种融资市场，但是他对融资具有重要作用。
13.商业银行的中间业务也叫表外业务。
14.如果人们预期利率下降，则：少买债券、少存货币。
15.通货膨胀实际上是一种加征的税收，还会导致财政支出更大幅度的增加。
篇5：银行资格从业考试真题和答案
1.银行从业人员可以对外披露的信息是( )。
A.该机构的客户资料
B.该机构公开披露的过去一年财务报表
C.该机构尚未公布的下一年具体经营规划
D.该机构的客户交易信息
2.银行业从业人员的下列行为中，不符合“熟知业务”有关规定的是( )。
A.熟知业务处理流程
B.不断提高业务知识水平
C.熟知向客户推荐的金融产品
D.不了解风险控制框架
3.经济处于收缩阶段时，个人和家庭可考虑购买( )行业的资产。
A.汽车 B.家电 C.房地产 D.电力
4.在买方市场条件下，市场营销应当以( )为中心。
A.企业自身
B.产品
C.公共利益
D.消费者
5.下列关于债券违约风险的说法，错误的是( )。
A.违约风险又称信用风险，是债券发行者不能按照约定的期限和金额偿还本金和支付利息的风险
B.违约风险一般是由于发行者经营状况不佳、财务状况恶化或信誉不高带来的风险
C.不同发行者发行的债券违约风险不同
D.一般来说，国债的违约风险高于公司债券
6.商业银行在外部营销人员的考核、奖励制度建设方面，不应当( )。
A.以推介业绩为唯一指标
B.设置合规性指标
C.设置客户满意度指标
D.公布奖励情况
7.( )主要是为客户报批项目可行性研究报告时，向国家有关部门表明银行同意贷款支持项目建设的文件。
A.客户授信额度
B.开立信贷证明
C.项目贷款承诺
D.备用信用证
8.假定张先生当前投资某项目，期限为3年，第一年年初投资100000元，第二年年初又追加投资50000元，年收益率为10%，那么他在3年内每年末至少收回( )元才是盈利的。
A.58489.43
B.43333.28
C.33339.10
D.24386.89
9.下列关于可赎回债券的说法，错误的是( )。
A.可赎回债券的赎回权实际上是投资者出售给发行人的一个期权
B.当市场利率下降时，普通债券的价值和可赎回债券的价值之间有一个价值差，这代表发行人选择赎回权的价值
C.通常可赎回债券的发行人在市场利率上升时行使赎回权
D.债券的可赎回条款降低了债券的内在价值和投资者的实际收益率
10.货币市场工具往往被当做( )的替代品。
篇6：农商银行考试真题及答案
1.发生通货膨胀的情况下，不会出现( )的现象
A.货币供应量大于客观需求量
B.物价上涨
C社会总供给大于总需求
D.货币贬值
2.商业银行为吸收存款而支付的所有费用即( )，包括利息成本与营业成本之和
A.资金成本 B.营业成本
C.利息成本 D.可用资金成本
3.( )是指存款人为在基本存款账户以外的银行取得的借款开立的账户
A.基本存款账户
B.一般存款账户
C.专用存款账户
D.临时存款账户
4.在我国，( )是影响商业银行存款总量变动的因素
A.服务质量
B.存款种类
C.存款方式
D.存款利率
5.将金融市场分为一级市场和二级市场的依据是( )
A.金融交易的性质
B.金融商品的融资期限
C.金融交易的场所
D.金融交易的交割时间
6.( )是以金融工具为交易对象而形成的供求关系及其交易机制的总和
A.金融市场
B.金融体系
C.金融监管
D.金融资产
7.( )年，国际货币体系当中的布雷顿森林体系建立
A.1944
B.1945
C.1946
D.1947
8.衡量债券收益的指标不包括( )
A.市盈率
B.持有期收益率
C.票面收益率
D.当期收益率
9.下列选项中，不属于商业银行负债业务的是( )
A.同业借款
B.再贴现
C.回购协议
D.发行股票
10.下列属于非系统性金融风险的是( )
A.操作风险
B.利率风险
C.汇率风险
D.国家风险
篇7：银行资格从业考试真题和答案
1.B【解析】公开披露的过去一年财务报表是公开信息，可以对外披露，故选B。
2.D【解析】《中国银行业从业人员职业操守》中“熟知业务”准则要求：银行业从业人员应当加强学习，不断提高业务知识水平，熟知向客户推荐的金融产品的特性、收益、风险、法律关系、业务处理流程及风险控制框架。故选D。
3.D【解析】在经济增长放缓，处于收缩阶段时，个人和家庭应考虑买入对周期波动不敏感的行业的资产，以规避经济波动带来的损失。房地产、建材、汽车、家电、商贸等行业对经济周期很敏感，而电力、公用事业等行业对经济周期的反应就小得多。因此，个人和家庭可考虑购买电力行业的资产。故选D。
4.D【解析】市场营销概念体现了买方市场条件下以消费者为中心的营销观念，故选D。
5.D【解析】一般来说，国债的违约风险最低，公司债券的违约风险相对较高，故选D。
6.A【解析】银行在外部营销人员的考核、奖励制度建设方面，不应以推介业绩为唯一指标，还应设置合规性和客户满意度等指标，故选A。
7.C【解析】考查项目贷款承诺的定义。项目贷款承诺是贷款承诺业务的一种。故选C。
8.A【解析】依题得，每年至少要收回：[100000+50000÷(1+10%)]×10%÷[1-1÷(1+10%)3]=58489.43元。故选A。
9.C【解析】当市场利率下降时(而非市场利率上升)，由于债券的价格上升，通常可赎回债券的发行人会按照事先约定的赎回价格行使赎回权，故选C。
10.D【解析】货币市场工具可以随时在市场上出售、变现，从这个意义上说，它们常常作为机构和企业的流动性二级准备，故称之为准货币，即现金的替代品。故选D。
篇8：中国农业银行招聘考试真题二
第二部分数量关系
（共20题，参考时限15分钟）
一、数字推理。给你一个数列，但其中缺少一项或两项，要求你仔细观察数列的排列规律。然后从四个选项中选出你认为最合理的一项，来填补空缺项。
请开始答题：
41. -2，1，31，70，112，。
A. 154
B. 155
C. 256
D. 280
42. 略
43. -49，109，43，79，19，（）。
A. 73
B. 109
C. -518
D. -2
44. -1，10，25，66，123，（）。
A. 125
B. 218
C. 256
D. 328
45. 1，1，3，6，2，8，13，104，（），（）。
A. 13，169
B. 11，176
C. 9，81
D. 7，48
二、数学运算。你可以在草稿纸上运算。遇到难题，你可以先跳过不做，待你有时间再返回来做。 请开始答题：
46. 计算1991×199219921992-1992×199119911991的值是（）。
A. 10
B. 1
C. 0
D. -1
47. 有五个连续偶数，已知第三个数比第一个数与第五个数之和的14多18，则这五个偶数之和是（）。
A. 210
B. 180
C. 150
D. 100
48. 零售商店运来两桶酒，大桶有酒120千克，小桶有酒90千克，两桶酒卖出同样数量后，大桶剩的酒刚好是小桶剩的酒的4倍，两桶共剩多少千克酒？（）
A. 50
B. 40
C. 30
D. 10
49. 学生春游到公园划船。如果在5条船上每船坐3人，其余的4人坐一船，则有5人无船可乘；如果在4条船上每船坐6人，其余的3人坐一船，则最后空着一条船无人乘。问：共有船多少条？（）
A. 36
B. 9
C. 7
D. 18
50. 从甲地到乙地的公路，只有上坡路和下坡路，没有平路，一辆汽车上坡时每小时行驶20千米，下坡时每小时行驶35千米。车从甲地开往乙地需9小时，从乙地到甲地需712小时，问：甲、乙两地间的公路有多少千米？（）
A. 300
B. 250
C. 210
D. 200
51. 有一个笼子里关着若干只兔子和鸡，鸡和兔子的数量之和与鸡腿和兔子腿之和的比是2∶5。问鸡和兔子的数量之比是（）。
A. 1∶3
B. 3∶1
C. 2∶3
D. 3∶2
52. 甲车以每小时160千米的速度，乙车以每小时20千米的速度，在长为210千米的环形公路上同时、同地、同向出发。每当甲车追上乙车一次，甲车减速13，而乙车则增速13。问：在两车的速度刚好相等的时刻，它们共行驶了多少千米？（）
A. 1250
B. 940
C. 760
D. 1310
53. 五个瓶子都贴有标签，其中恰好贴错了三个，贴错的可能情况有多少种？（）
A. 60
B. 46
C. 40
D. 20
54. 小明有48支铅笔，小刚有36支铅笔。若每次小明给小刚8支，同时小刚又还给小明4支，问经过
这样的交换，几次后小刚的铅笔数是小明的2倍？（）
A. 7
B. 5
C. 4
D. 2
55. 有甲、乙两汽车站，从甲站到乙站与从乙站到甲站每隔10分同时各发车一辆，且都是1小时到达目的地。问某旅客乘车从甲站到乙站，在途中可看到几辆从乙站开往甲站的汽车？（）
A. 9
B. 13
C. 14
D. 11
56. 今年，小明的父母年龄之和是小明的6倍。4年后小明的父母亲年龄之和是小明的5倍。已知小明的父亲比他母亲大2岁。那么，今年小明父亲多少岁？（）
A. 37
B. 40
C. 57
D. 72
57. 游泳池有甲、乙、丙三个注水管，如果单开甲管需要20小时注满水池；甲、乙两管合开需要8小时注满水池；乙、丙两管合开需要6小时注满水池、那么，单开丙管需要多少小时注满水池？（）
A. 10
B. 101011
C. 11
D. 111011
58. 8点28分，时钟的分针与时针的夹角（小于180°）是多少度？（）
A. 86°
B. 75°
C. 49°
D. 36°
59. 甲、乙两项工程分别由A、B两队来完成。在晴天A队完成甲工程需要12天，B队完成乙工程需要15天；在雨天A队的工作效率要下降40％，B队的工作效率要下降10％。结果两队同时完成这两项工程，那么在整个施工日子里，雨天共有几天？（）
A. 5
B. 8
C. 10
D. 11
60. 某人订购某种商品60件，每件定价100元。该人对商店提出条件：“每减价1元多订购3件”（如卖99元一件，则该人总共要多订购3件），商店经理计算了一下，如果减价4％，由于对方多订购，仍能获得原来一样多的利润，则这种商品成本是多少元？（）
A. 43
B. 76
C. 88
D. 93
第二部分结束，请继续做第三部分!
第三部分判断推理
（共35题，参考时限25分钟）
一、图形推理。
61～64题，每道题包含两套图形和可供选择的四个图形。这两套图形具有某种相似性，也存在某种差异。要求你从四个选项中选择你认为最适合取代问号的一个。正确的答案应不仅使两套图形表现出最大的相似性，而且使第二套图形也表现出自己的特征。
65题，要求你从右边四个选项中选择最符合左边四个图形规律性的一项。
61. －65略
二、定义判断。每道题先给出一个概念的定义，然后分别列出四种情况，要求你严格依据定义，从中选出一个最符合或最不符合该定义的答案。注意：假设这个定义是正确的，不容置疑的。
请开始答题：
66. 恩格尔系数，是指食物支出金额占总支出金额的比例。恩格尔定律是指随着家庭生活水平的提高，食品的消费支出占家庭总消费支出的比率减少的规律。
依据上述定义，下列说法正确的是。
A. 王明家本月总共开支一千元，其中五百元用于食物支出。第二个月总开支一千二百元，其中六百元用于食物开支，说明他家生活水平上升了
B. 小华每月买零食100元，基本伙食费300元，所以他的恩格尔系数为33%
C. 美国人一般将30%的总开支花在购买食物上，中国人则花50%的开支在购买食物上，说明美国人的生活质量高于中国人
D. 将全部开支都用于购买食物的人生活幸福美满
67. 商业贿赂，是指经营者在市场交易活动中，为争取交易机会，特别是为争得相对于竞争对手的市场优势，通过秘密给付财物或者其他报偿等不正当手段收买客户的负责人、雇员、合伙人、代理人和政府有关部门工作人员等能够影响市场交易的有关人员的行为。
根据以上定义，下列陈述中不属于商业贿赂的是()。
A. 西安市开元商场在国庆节期间以30％的折扣让利销售
B. 某建筑公司在承包工程时，给主管主领导以5％的折扣
C. 某供货商为零售商场的经理提供免费度假机会
D. 某推销商以高档宴席请客户的业务主管
68. 文艺心理学，是文艺学或美学的一个分支，是从心理学的角度来研究文艺创作、文艺作品和文艺接受中的问题。
根据上述定义，下列陈述中不属于文艺心理学的是（）。
A. 奥地利心理学家、精神病医生用精神分析学来研究文学活动
B. 研究艺术创作心理动机
C. 研究古典诗词中的格律问题
D. 研究艺术家的艺术的体验
69. 律师的法律责任，是指律师在执业活动中，因为故意或者重大过失，违反有关法律法规的规定以及律师的执业纪律，损害了当事人的合法权益，扰乱了正常的司法程序，影响了律师职业的形象，导致了律师依法应当承担民事、行政、刑事责任的后果。
下列不属于律师的法律责任的一项是（）。
A. 律师遗失重要的证据而导致无法举证或证据失效
B. 律师玩忽职守、草率处理案件
C. 法官判案不严，以致判错了案子
D. 在应当收集证据时，由于律师的原因而没有及时收集而使证据湮灭
70. 事实行为：是法律仅凭行为所产生的一定事实而直接赋予其法律后果的行为。该行为引起一定的法律后果，与行为人的主观意志以及行为本身是否具有合法性质无关。下列属于民事法律中的事实行为的是（）。
A. 公民死亡前立遗嘱B. 甲乙两单位签订买卖合同
C. 丙将丁家的彩电损坏D. 男女两青年到婚姻登记机关登记结婚
71. 人身关系是与人身不可分离，以人身利益为内容、不直接体现财产利益的社会关系。人身关系包括人格关系和身份关系两类。人格关系是基于人格利益而发生的社会关系；身份关系是以特定的身份利益为内容的社会关系。
根据定义，下列属于身份关系的是（）。
A. 李某将电视机赠与张某而形成的赠与关系
B. 王某因收养宫某而形成的父子关系
C. 赵某因创作而对《雾霜凝美集锦》享有的署名权
D. 沈某基于朋友义气，无偿借给梁某一万元人民币
72. 国际贸易是跨国界的交易活动，是一个国家同世界其他国家或地区间的商品、技术、劳务和信息等的流通活动。
根据定义，下列属于国际贸易的是（）。
A. 以色列国防部向美国订购一批战斗机
B. 日本三菱公司向中国出口一批高级汽车
C. 澳大利亚人汤姆斯与印度某人才市场签订了劳务输出合同
D. 伊拉克过渡政府向德国某钢铁公司购买了吨钢材
73. 政治表达是指公民在行使政治权利的过程中，通过宪法手段和机会来表示自己的政治态度，从而影响政府改革。
根据上述定义，下列不属于政治表达的是（）。
A. 示威游行
B. 政治言论
C. 民众代表为了维护民众的选举权利而上访
D. 在家里看新闻联播，然后高谈阔论
74. 辩论是指双方都用一定的`理由或证据指出对方见解的矛盾或错误，并论证自己对事物或问题的看法的正确。
下列选项中，符合定义的构成要件的是（）。
A. 双方必须发表自己的见解
B. 目的是指出对方见解的错误
C. 双方的见解必须存在错误
D. 辩论的结果是双方的观点都正确
75. 两个以上的物品环绕一个中心组合在一起，两边平衡、重量或吸引力（包括形状、色彩方面的吸引力）都有同等的分量，使人产生一种宁静的感觉，这就叫做均衡。
根据定义，下列不属于均衡的是（）。
A. 人们中线两边各有一只眼睛，一只耳朵，一个鼻孔，一边脸，一手一脚
B. 达・芬奇的名画《最后的晚餐》，画面是一个长方形，以耶稣为中心，门徒在他两边，人数相等，两边的人与耶稣的距离也相等，两边墙上的背景也是相同的
C. 在儿童公园中，有一种跷跷板，跷跷板两头坐着两个一样重的小孩，两人坐的位置与中心距离相等
D. 某模特身上穿着银灰色的套装，脚上穿着一双米黄色的皮鞋，肩上背着绿色的休闲包
篇9：工商银行校园招聘考试真题
工商银行校园招聘考试真题
从10月31号凌晨收到笔试的短信，到现在准备了有不多不少整整十天，考下来感觉也就那样，题型都差不多，登录进去，60分钟托业英语考试，30分钟综合知识，60分钟行测，20分钟性格测试一次进行，以上是银行业务类的，科技类还包括30分钟的计算机加试，接下来，我给大家一点一点讲讲我还记得的题吧!
一、英语
分为三个部分，单选，完形，阅读。总共100个选择题。单选题就是涉及到一些语法，句子结构，词语辨义，时态，代词用法等等，主要是看个人的英语水平，短期突击也上不去几分，我建议考前做一套完整的题，熟悉下类型就行，不必花太多时间在这一块上。四十个单选题，要控制在两分钟三个的速度上，否则后面你会发现时间真的不够，我英语水平一般，一个小时，只能做到80多个，相当于后面剩下的都被我浪费掉，只能瞎蒙，其实后面阅读都是一些通知，邮件，信之类的商务类的题，只要有时间也不难做，所以英语考的就是你的做题速度!
二、综合知识
这一块工行考试分为了三个部分，具体我也记不太清了，第一块是有关工商银行的一些了解，比如，工行愿景“国际一流现代金融企业”，贷记卡是什么，某年获得什么称号或者什么奖，还有在哪个国家获营业许可证，成立什么银行，《欧洲货币》公布评选工行为“中国最佳本地银行”等等一系列工行情况，这方面就建议个人在考前去搜工行最近的新闻啊什么的，看两遍，就不怕考到了。第二块是考专业知识吧，就是包括商业银行基础知识、经济学基础知识、金融基础知识、会计基础知识、财务管理，法律，计算机，管理学等等，今年工商考的这块好像不太多，占的比例比较小，但是既然是专业知识，每个人都好好复习一遍，还是好的，因为我们也不知道他会考到哪，我们要做个全才，
我记得的不多，有“目标管理”的提出者是?还有伦敦同业拆借利率(LIBOR)、新加坡同业拆借利率和香港同业拆借利率(我国现行的是哪个)。 最早的股份制银行，意大利的?恩格尔系数/曲线定义(就想的`起来这些了，后续想起来了再补上)第三块就是时事政治了，考了伦敦奥运会口号“激励一代人”，中国获得奖牌数88，金牌数28，以及“十二五规划”考了两个题等等。
三、行测
考的是言语理解(主题、判断无语病，填词、替换词、排序(两个)、文字说明了什么)、数学运算、数字推理、图形推理、定义判断、逻辑判断、资料分析等等。下面是我记得的题：
1、工厂里完成A的车间工人占车间总人数40%，B占30%，C占20%，现在A需要增加20%工人数，B增加30%，C增加40%，而工资总额只增加20%，问现在工人的工资是增加了4%/8%还是减少了4%/8%
2、有一题被我简化后大概是这样的：甲乙丙平均数2.7，乙丙丁平均数3，丁是5，问甲是多少(我算的是4.1)
3、有一题，有7个容器，容量分别是5、14、18、38、40、42、44，空着一个，其余的分别放油和水，问空着哪个?使得容器里的油和水一样多，并且是空着瓶子容量的二倍，油跟水不能混装
4、唱歌节目有12个，跳舞有8个，小品有6个，既有唱歌和跳舞的6个，既有唱歌和小品的有4个，既有舞蹈又有小品的有2个，三个都有的有1个，问晚会共有多少个节目(我算的是15个)
5、123456推出365214，问枸验他推出什么(驰佝检)
6、(1-2/3)的平方乘(1-3/5)的平方乘(1-2/7)的平方，一直乘到(1-?/501)的平方，结果是多少?
7、 1 2 6 30 210 ( )
8、8 9 12 19 32 53 ( )
9、有三个人欢欢、贝贝、妮妮，有六个绰号：数学家、跳高冠军、小画家、大作家、?、?，数学家喜欢和跳高冠军、小画家玩，贝贝羡慕跳高冠军跳得高，打画家画画得好，欢欢和大作家是好朋友，妮妮和欢欢、小画家一起?问，贝贝两个绰号是什么?
现在就记得这些了，考完工商，也让我对银行考试有了更深一步的了解了，接下来下周的交通、下下周的建行，加油加油，虽然是来打打酱油，碰碰运气的，但也要把酱油打得漂亮，美好，说不定幸运下一刻就降临你身上也说不定，是吧?
接下来的几家银行考试，建议把复习集中在行测和各银行进来的新闻上，还有多看看时事政治，增加政治领悟也不错，各位加油哈~
最后，祝每一位考银行的孩子成功!
篇10：四级考试真题及答案
2018年6月英语四级考试真题试卷
Part I Writing (30 minutes)
Directions: For this part, you are allowed 30 minutes to write a short essay on the importance of reading ability and how to develop it. You should write at least 120 words but no more than 180 words.
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Part II Listening Comprehension (25 minutes)
听力音频MP3文件，点击进入听力真题页面
Section A
Directions: In this section, you will hear three news reports. At the end of each news report, you will hear two or three questions. Both the news report and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A), B), C) and D). Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre.
Questions 1 and 2 are based on the news report you have just heard.
1. A) The return of a bottled message to its owner's daughter.
B) A New Hampshire man's joke with friends on his wife.
C) A father's message for his daughter.
D) The history of a century-old motel.
2. A) She wanted to show gratitude for his kindness.
B) She wanted to honor her father's promise.
C) She had been asked by her father to do so.
D) She was excited to see her father's handwriting.
Questions 3 and 4 are based on the news report you have just heard.
3. A) People were concerned about the number of bees.
B) Several cases of Zika disease had been identified.
C) Two million bees were infected with disease.
D) Zika virus had destroyed some bee farms.
4. A) It apologized to its customers.
B) It was forced to kill its bees.
C) It lost a huge stock of bees.
D) It lost 2.5 million dollars.
Questions 5 to 7 are based on the news report you have just heard.
5. A) It stayed in the air for about two hours.
B) It took off and landed on a football field.
C) It proved to be of high commercial value.
D) It made a series of sharp turns in the sky.
6. A) Engineering problems.
B) The air pollution it produced.
C) Inadequate funding.
D) The opposition from the military.
7. A) It uses the latest aviation technology.
B) It flies faster than a commercial jet.
C) It is a safer means of transportation.
D) It is more environmentally friendly.
Section B
Directions: In this section, you will hear two long conversations. At the end of each conversation, you will hear four questions. Both the conversation and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A), B), C) and D). Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre.
Questions 8 to 11 are based on the conversation you have just heard.
8. A) It seems a depressing topic.
B) It sounds quite alarming.
C) It has little impact on our daily life.
D) It is getting more serious these days.
9. A) The man doesn't understand Spanish.
B) The woman doesn't really like dancing.
C) They don't want something too noisy.
D) They can't make it to the theatre in time.
10. A) It would be more fun without Mr. Whitehead hosting.
B) It has too many acts to hold the audience's attention.
C) It is the most amusing show he has ever watched.
D) It is a show inappropriate for a night of charity.
11. A) Watch a comedy.
B) Go and see the dance.
C) Book the tickets online.
D) See a film with the man.
Questions 12 to 15 are based on the conversation you have just heard.
12. A) Most of her schoolmates are younger than she is.
B) She simply has no idea what school to transfer to.
C) There are too many activities for her to cope with.
D) She worries she won't fit in as a transfer student.
13. A) Seek advice from senior students.
B) Pick up some meaningful hobbies.
C) Participate in after-school activities.
D) Look into what the school offers.
14. A) Give her help whenever she needs it.
B) Accept her as a transfer student.
C) Find her accommodation on campus.
D) Introduce her to her roommates.
15. A) She has interests similar to Mr. Lee's.
B) She has become friends with Catherine.
C) She has chosen the major Catherine has.
D) She has just transferred to the college.
Section C
Directions: In this section, you will hear three passages. At the end of each passage, you will hear three or four questions. Both the passage and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A), B), C) and D). Then mark the corresponding letter on Answer Sheet 1 with a single line through the centre.
Questions 16 to 18 are based on the passage you have just heard.
16. A) To investigate how being overweight impacts on health.
B) To find out which physical drive is the most powerful.
C) To discover what most mice like to eat.
D) To determine what feelings mice have.
17. A) When they are hungry.
B) When they are thirsty.
C) When they smell food.
D) When they want company.
18. A) They search for food in groups.
B) They are overweight when food is plenty.
C) They prefer to be with other mice.
D) They enjoy the company of other animals.
Questions 19 to 21 are based on the passage you have just heard.
19. A) Its construction started before World War I.
B) Its construction cost more than $ 40 billion.
C) It is efficiently used for transport.
D) It is one of the best in the world.
20. A) To improve transportation in the countryside.
B) To move troops quickly from place to place.
C) To enable people to travel at a higher speed.
D) To speed up the transportation of goods.
21. A) In the 1970s.
B) In the 1960s.
C) In the 1950s.
D) In the 1940s.
Questions 22 to 25 are based on the passage you have just heard.
22. A) Chatting while driving.
B) Messaging while driving.
C) Driving under age.
D) Speeding on highways.
23. A) A gadget to hold a phone on the steering wheel.
B) A gadget to charge the phone in a car.
C) A device to control the speed of a vehicle.
D) A device to ensure people drive with both hands.
24. A) The car keeps flashing its headlights.
B) The car slows down gradually to a halt.
C) They are alerted with a light and a sound.
D) They get a warning on their smart phone.
25. A) Installing a camera.
B) Using a connected app.
C) Checking their emails.
D) Keeping a daily record.
Part Ⅲ Reading Comprehension (40 minutes)
Section A
Directions: In this section, there is a passage with ten blanks. You are required to select one word for each blank from a list of choices given in a word bank following the passage. Read the passage through carefully before making your choices. Each choice in the bank is identified by a letter. Please mark the corresponding letter for each item on Answer Sheet 2 with a single line through the centre. You may not use any of the words in the bank more than once.
An office tower on Miller Street in Manchester is completely covered in solar panels. They are used to create some of the energy used by the insurance company inside. When the tower was first 26 in 1962, it was covered with thin square stones. These small square stones became a problem for the building and continued to fall off the face for 40 years until a major renovation was 27 . During this renovation the building's owners, CIS, 28 the solar panel company, Solarcentury. They agreed to cover the entire building in solar panels. In 2004, the completed CIS tower became Europe's largest 29 of vertical solar panels. A vertical solar project on such a large 30 has never been repeated since.
Covering a skyscraper with solar panels had never been done before, and the CIS tower was chosen as one of the “10 best green energy projects”. For a long time after this renovation project, it was the tallest building in the United Kingdom, but it was 31 overtaken by the Millbank Tower.
Green buildings like this aren't 32 cost-efficient for the investor, but it does produce much less pollution than that caused by energy 33 through fossil fuels. As solar panels get 34 , the world is likely to see more skyscrapers covered in solar panels, collecting energy much like trees do. Imagine a world where building the tallest skyscraper wasn't a race of 35 , but rather one to collect the most solar energy.
A) cheaper B) cleaner C) collection D) competed E) constructed F) consulted G) dimension H) discovered I) eventually J) height K) necessarily L) production M) range N) scale O) undertaken
Section B
Directions: In this section, you are going to read a passage with ten statements attached to it. Each statement contains information given in one of the paragraphs. Identify the paragraph from which the information is derived. You may choose a paragraph more than once. Each paragraph is marked with a letter. Answer the questions by marking the corresponding letter on Answer Sheet 2.
Some College Students Are Angry That They Have to Pay to Do Their Homework
A) Digital learning systems now charge students for access codes needed to complete coursework, take quizzes, and turn in homework. As universities go digital, students are complaining of a new hit to their finances that's replacing—and sometimes joining—expensive textbooks: pricey online access codes that are required to complete coursework and submit assignments.
B) The codes—which typically range in price from $ 80 to $ 155 per course—give students online access to systems developed by education companies like McGraw Hill and Pearson. These companies, which long reaped big profits as textbook publishers, have boasted that their new online offerings, when pushed to students through universities they partner with, represent the future of the industry.
C) But critics say the digital access codes represent the same profit-seeking ethos (观念) of the textbook business, and are even harder for students to opt out of. While they could once buy second-hand textbooks, or share copies with friends, the digital systems are essentially impossible to avoid.
D) “When we talk about the access code we see it as the new face of the textbook monopoly (垄断), a new way to lock students around this system,” said Ethan Senack, the higher education advocate for the U.S. Public Interest Research Group, to BuzzFeed News. “Rather than $250 (for a print textbook) you're paying $ 120,” said Senack. “But because it's all digital it eliminates the used book market and eliminates any sharing and because homework and tests are through an access code, it eliminates any ability to opt out.”
E) Sarina Harpet, a 19-year-old student at Virginia Tech, was faced with a tough dilemma when she first started college in 2015—pay rent or pay to turn in her chemistry homework. She told BuzzFeed News that her freshman chemistry class required her to use Connect, a system provided by McGraw Hill where students can submit homework, take exams and track their grades. But the code to access the program cost $ 120—a big sum for Harper, who had already put down $ 450 for textbooks, and had rent day approaching.
F) She decided to wait for her next work-study paycheck, which was typically $ 150- $ 200, to pay for the code. She knew that her chemistry grade may take a dive as a result. “It's a balancing act,” she said. “Can I really afford these access codes now?” She didn't hand in her first two assignments for chemistry, which started her out in the class with a failing grade.
G) The access codes may be another financial headache for students, but for textbook businesses, they're the future. McGraw Hill, which controls 21% of the higher education market, reported in March that its digital content sales exceeded print sales for the first time in 2015. The company said that 45% of its $ 140 million revenue in 2015 “was derived from digital products.”
H) A Pearson spokesperson told BuzzFeed News that “digital materials are less expensive and a good investment” that offer new features, like audio texts, personalized knowledge checks and expert videos. Its digital course materials save students up to 60% compared to traditional printed textbooks, the company added. McGraw Hill didn't respond to a request for comment, but its CEO David Levin told the Financial Times in August that “in higher education, the era of the printed textbook is now over.”
I) The textbook industry insists the online systems represent a better deal for students. “These digital products aren't just mechanisms for students to submit homework, they offer all kinds of features,” David Anderson, the executive director of higher education with the Association of American Publishers, told BuzzFeed News. “It helps students understand in a way that you can't do with print homework assignments.”
J) David Hunt, an associate professor in sociology at Augusta University, which has rolled out digital textbooks across its math and psychology departments, told BuzzFeed News that he understands the utility of using systems that require access codes. But he doesn't require his students to buy access to a learning program that controls the class assignments. “I try to make things as inexpensive as possible,” said Hunt, who uses free digital textbooks for his classes but designs his own curriculum. “The online systems may make my life a lot easier but I feel like I'm giving up control. The discussions are the things where my expertise can benefit the students most.”
K) A 20-year-old junior at Georgia Southern University told BuzzFeed News that she normally spends $ 500-$ 600 on access codes for class. In one case, the professor didn't require students to buy a textbook, just an access code to turn in homework. This year she said she spent $ 900 on access codes to books and programs. “That's two months of rent,” she said. “You can't sell any of it back. With a traditional textbook you can sell it for $ 30 - $ 50 and that helps to pay for your new semester's books. With an access code, you're out of that money. ”
L) Benjamin Wolverton, a 19-year-old student at the University of South Carolina, told BuzzFeed News that “it's ridiculous that after paying tens of thousands in tuition we have to pay for all these access codes to do our homework.” Many of the access codes he's purchased have been required simply to complete homework or quizzes. “Often it's only 10% of your grade in class.” he said. “You're paying so much money for something that hardly affects your grade—but if you didn't have it, it would affect your grades enough. It would be bad to start out at a B or C.” Wolverton said he spent $ 500 on access codes for digital books and programs this semester.
M) Harper, a poultry (家禽) science major, is taking chemistry again this year and had to buy a new access code to hand in her homework. She rented her economics and statistics textbooks for about $ 20 each. But her access codes for homework, which can't be rented or bought second-hand, were her most expensive purchases: $ 120 and $ 85.
N) She still remembers the sting of her first experience skipping an assignment due to the high prices. “We don't really have a missed assignment policy,” she said. “If you miss it, you just miss it. I just got zeros on a couple of first assignments. I managed to pull everything back up. But as a scared freshman looking at their grades, it's not fun.”
36. A student's yearly expenses on access codes may amount to their rent for two months.
37. The online access codes may be seen as a way to tie the students to the digital system.
38. If a student takes a course again, they may have to buy a new access code to submit their assignments.
39. McGraw Hill accounts for over one-fifth of the market share of college textbooks.
40. Many traditional textbook publishers are now offering online digital products, which they believe will be the future of the publishing business.
41. One student complained that they now had to pay for access codes in addition to the high tuition.
42. Digital materials can cost students less than half the price of traditional printed books according to a publisher.
43. One student decided not to buy her access code until she received the pay for her part-time job.
44. Online systems may deprive teachers of opportunities to make the best use of their expertise for their students.
45. Digital access codes are criticized because they are profit-driven just like the textbook business.
Section C
Directions: There are 2 passages in this section. Each passage is followed by some questions or unfinished statements. For each of them there are four choices marked A), B), C) and D). You should decide on the best choice and mark the corresponding letter on Answer Sheet 2 with a single line through the centre.
Passage One
Questions 46 and 50 are based on the following passage.
Losing your ability to think and remember is pretty scary. We know the risk of dementia (痴呆症) increases with age. But if you have memory slips, you probably needn't worry. There are pretty clear differences between signs of dementia and age-related memory loss.
After age 50, it's quite common to have trouble remembering the names of people, places and things quickly, says Dr. Kirk Daffner of Brigham and Women's Hospital in Boston.
The brain ages just like the rest of the body. Certain parts shrink, especially areas in the brain that are important to learning, memory and planning. Changes in brain cells can affect communication between different regions of the brain. And blood flow can be reduced as blood vessels narrow.
Forgetting the name of an actor in a favorite movie, for example, is nothing to worry about. But if you forget the plot of the movie or don't remember even seeing it, that's far more concerning, Daffner says.
When you forget entire experiences, he says, that's “a red flag that something more serious may be involved.” Forgetting how to operate a familiar object like a microwave oven, or forgetting how to drive to the house of a friend you've visited many times before can also be signs of something going wrong.
But even then, Daffner says, people shouldn't panic. There are many things that can cause confusion and memory loss, including health problems like temporary stoppage of breathing during sleep, high blood pressure, or depression, as well as medications (药物) like antidepressants.
You don't have to figure this out on your own. Daffner suggests going to your doctor to check on medications, health problems and other issues that could be affecting memory. And the best defense against memory loss is to try to prevent it by building up your brain's cognitive (认知的) reserve, Daffner says.
“Read books, go to movies, take on new hobbies or activities that force one to think in novel ways,” he says. In other words, keep your brain busy and working. And also get physically active, because exercise is a known brain booster.
46. Why does the author say that one needn't be concerned about memory slips?
A) Not all of them are symptoms of dementia.
B) They occur only among certain groups of people.
C) Not all of them are related to one's age.
D) They are quite common among fifty-year-olds.
47. What happens as we become aged according to the passage?
A) Our interaction skills deteriorate.
B) Some parts of our brain stop functioning.
C) Communication within our brain weakens.
D) Our whole brain starts shrinking.
48. Which memory-related symptom should people take seriously?
A) Totally forgetting how to do one's daily routines.
B) Inability to recall details of one's life experiences.
C) Failure to remember the names of movies or actors.
D) Occasionally confusing the addresses of one's friends.
49. What should people do when signs of serious memory loss show up?
A) Check the brain's cognitive reserve.
B) Stop medications affecting memory.
C) Turn to a professional for assistance.
D) Exercise to improve their well-being.
50. What is Dr. Daffner's advice for combating memory loss?
A) Having regular physical and mental checkups.
B) Taking medicine that helps boost one's brain.
C) Engaging in known memory repair activities.
D) Staying active both physically and mentally.
Passage Two
Questions 51 to 55 are based on the following passage.
A letter written by Charles Darwin in 1875 has been returned to the Smithsonian Institution Archives (档案馆) by the FBI after being stolen twice.
“We realized in the mid-1970s that it was missing,” says Effie Kapsalis, head of the Smithsonian Insitution Archives. “It was noted as missing and likely taken by an intern (实习生), from what the FBI is telling us. Word got out that it was missing when someone asked to see the letter for research purposes,” and the intern put the letter back. “The intern likely took the letter again once nobody was watching it.”
Decades passed. Finally, the FBI received a tip that the stolen document was located very close to Washington, D.C. Their art crime team recovered the letter but were unable to press charges because the time of limitations had ended. The FBI worked closely with the Archives to determine that the letter was both authentic and definitely Smithsonian's property.
The letter was written by Darwin to thank an American geologist, Dr. Ferdinand Vandeveer Hayden, for sending him copies of his research into the geology of the region that would become Yellowstone National Park.
The letter is in fairly good condition, in spite of being out of the care of trained museum staff for so long. “It was luckily in good shape,” says Kapsalis, “and we just have to do some minor things in order to be able to unfold it. It has some glue on it that has colored it slightly, but nothing that will prevent us from using it. After it is repaired, we will take digital photos of it and that will be available online. One of our goals is to get items of high research value or interest to the public online.”
It would now be difficult for an intern, visitor or a thief to steal a document like this. “Archiving practices have changed greatly since the 1970s,” says Kapsalis, “and we keep our high value documents in a safe that I don't even have access to.”
51. What happened to Darwin's letter in the 1970s?
A) It was recovered by the FBI.
B) It was stolen more than once.
C) It was put in the archives for research purposes.
D) It was purchased by the Smithsonian Archives.
52. What did the FBI do after the recovery of the letter?
A) They proved its authenticity.
B) They kept it in a special safe.
C) They arrested the suspect immediately.
D) They pressed criminal charges in vain.
53. What is Darwin's letter about?
A) The evolution of Yellowstone National Park.
B) His cooperation with an American geologist.
C) Some geological evidence supporting his theory.
D) His acknowledgement of help from a professional.
54. What will the Smithsonian Institution Archives do with the letter according to Kapsalis?
A) Reserve it for research purposes only.
B) Turn it into an object of high interest.
C) Keep it a permanent secret.
D) Make it available online.
55. What has the past half century witnessed according to Kapsalis?
A) Growing interest in rare art objects.
B) Radical changes in archiving practices.
C) Recovery of various missing documents.
D) Increases in the value of museum exhibits.
Part IV Translation (30 minutes)
Directions: For this part, you are allowed 30 minutes to translate a passage from Chinese into English. You should write your answer on Answer Sheet 2.
过去，乘飞机出行对大多数中国人来说是难以想象的。如今，随着经济的发展和生活水平的提高，越来越多的中国人包括许多农民和外出务工人员都能乘飞机出行。他们可以乘飞机到达所有大城市，还有很多城市也在筹建机场。航空服务不断改进，而且经常会有廉价机票。近年来，节假日期间选择乘飞机外出旅游的人数在不断增加。
2018年6月四级部分真题参考答案(完整版)
Part Ⅰ Writing
The Importance of Reading Ability and How to Develop It
As the most frequently used way to get access to the original material, reading has always been considered one of the most important parts of language learning. This explains why reading skills should be highly emphasized.
Then how to improve our reading skills? First of all, scan the material before we begin. Whatever the purpose of our reading is, take a few minutes to look the piece over to check and see how the work is structured and presented. Secondly, try not to reach for the dictionary when we come to a word we don't know. Instead, try to guess the meaning of the word based on the context. Last but not least, write a few sentences to summarize what we've read since it is a way of checking that we understand what we're reading.
Above all, reading has important benefits and can help us learn the language faster and more completely, which encourages each language learner to develop their reading skills as suggested.
Part Ⅱ Listening Comprehension
1. A) The return of a bottled message to its owner's daughter.
2. B) She wanted to honor her father's promise.
3. B) Several cases of Zika disease had been identified.
4. C) It lost a huge stock of bees.
5. A) It stayed in the air for about two hours.
6. C) Inadequate funding.
7. D) It is more environmentally friendly.
8. A) It seems a depressing topic.
9. D) They can't make it to the theatre in time.
10. C) It is the most amusing show he has ever watched.
11. B) Go and see the dance.
12. D) She worries she won't fit in as a transfer student.
13. C) Participate in after-school activities.
14. A) Give her help whenever she needs it.
15. D) She has just transferred to the college.
16. B) To find out which physical drive is the most powerful.
17. A) When they are hungry.
18. C) They prefer to be with other mice.
19. D) It is one of the best in the world.
20. B) To move troops quickly from place to place.
21. A) In the 1970s.
22. B) Messaging while driving.
23. D) A device to ensure people drive with both hands.
24. C) They are alerted with a light and a sound.
25. B) Using a connected app.
Part III Reading Comprehension
26-35: EOFCN IKLAJ
36-45: KDMGB LHFJC
46-55: ACACD BADDB
Part IV Translation
In the past, traveling by plane was unimaginable for most Chinese people. Today, with the development of China's economy and the improvement of people's living standards, more and more Chinese people, including many farmers and migrant workers, can travel by air. They can fly to all major cities, and many other cities are also planning to build airports. Air services continue to improve, and there are often cheap flights. In recent years, the number of people choosing to travel by air during holidays has been increasing.
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