2020招商银行南宁分行招聘试题及答案解析

招商银行校园招聘考试笔试面试真题资料招商银行笔试真题：笔试分为两部分，两个半小时，基础知识类似于公务员题，但添加了专业的内容，注意，还包括主观题；专业的部分就根据不同情况而定了，我们是营销类的，一道案例题。

一道可选题，关于宏观经济政策的论述。

第一部分开场是iq题，5个简单回忆一下，1，3，5，7，11，13，15，17中的特殊数字一个细菌60分钟分裂（一个分两个）可以充满一个瓶子，两个需要多久30个士兵如何排成6行，每行6人赛马，A一圈1分钟，B两分钟，C三分钟，多久相聚在起跑线上然后是类比推理冷热，鹿枪之类的我是应届生逻辑题和公务员一样，就是什么“推理”“加强”“削弱”之类政治经济学的内容比较多还有金融方面的，比如国际三大证券交易所，七国集团之类经济学方面：吉分商品，国民经济的长期均衡，宏观调控等文学类：近代文学家谁以诗歌著称历史类：今年是长征胜利多少周年暨建军多少周年，孙中山诞辰多少周年等时政类：08年奥运会吉祥物，8大行星，中东战争等招行大事记：客服电话，某年在香港发行某股多少亿股，一卡通的昵称然后是主观题部分简答经济学解释“天下没有免费午餐”机会成本和谐社会的含义与概念（-_-||b）资料分析：我国2006年10个月的进出口额图表案例分析：三只老鼠叠罗汉偷油，结果从油瓶上摔下来A说，是由于B抖了一下B说，是由于C打了个哆嗦C说，是门口有猫叫ABC说，所有的问题都出在猫身上！！公司的销售，财务，采购部将利润下滑归咎于某国一个矿山爆炸……结合实际岗位，如何处理第二部分案例：某个KFC员工辞职回家创业，搞出“看着给”的无定价模式，两年以后失败。

第二个是论述，要写文章的，错字，模糊，内容空洞，不足800字将影响您的成绩我只看了一个——加息问题材料主要是加息对不同投资者的影响，偏好稳健投资的老人，股民，持币购房者，国外经济等。

问题包括宏观政策的目标加息的性质对人生规划的影响如何进行人生规划等……后一个也是与宏观政策有关我国经济面临的主要问题之类的……考试复习资料可以到考佳卜上找找，资料确实不错，比较有针对性，那些资料都是去年参加考试的学长们整理出来的，建议大家可以去了解一下招商银行招聘考试笔试复习资料:1、招商银行备考须知及复习计划2、综合知识2.1 银行简介与新闻2.2 最新时事政治（免费更新）2、招商银行金融经济知识复习资料2.1、招商银行【货币与金融】笔试复习资料2.2、招商银行【微观+宏观经济学】笔试复习资料2.3、招商银行【财会管理】笔试复习资料2.4、招商银行【常考法律】笔试复习资料2.5、招商银行【管理类】笔试复习资料2.6、招商银行【市场营销】笔试复习资料2.7、招商银行【统计相关】笔试复习资料2.8、招商银行【国际贸易】笔试复习资料3、行政能力测试做题技巧突破指导+国考真题套卷3.1、【言语理解及表达】做题技巧+典型练习题+答案解析3.2、【数量关系】做题技巧+典型练习题+答案解析3.3、【判断推理】做题技巧+典型练习题+答案解析3.4、【资料分析】做题技巧+典型练习题+答案解析3.5、国家公务员行政能力测试真题+答案解析4、招商银行基础常识+计算机4.1 公共基础常识+常识练习题4.2 计算机常识5、招商银行英语复习资料与练习题5.1 托业英语5.2 英语词汇5.3 考研英语6、招商银行职业性格测试6.1 MBTI职业性格测试6.2霍兰德职业性格测试6.3职场性格测试题6.4心理抗压能力测试6.5事业心测试题7、招商银行校园招聘考试笔试真题与经验分享（回忆版）8、招商银行笔试【实战练习题】10套考试实战练习题：1.在金融市场中，既是重要的资金需求者和供给者，又是金融衍生品市场上重要的套期保值主体的是（）。

招商银行招聘考试笔试历年真题汇总整理题目实际上是不难的，但要有针对性的复习，多练题目是肯定的！建议报考的同学提前做好复习准备，考试资料可以到“易壹考”上面找找，资料确实不错，都是上届学长们根据考试情况精心整理出来的，比较有针对性，大家可以去了解一下！记忆题目根据往届的学长学姐反映，招行笔试考试中有一部分的“脑运动”题目，题目类似一起来找茬、找你妹、连连看、圈圈设计、记忆翻牌子这种类型的。

这类题主要是考查大家的记忆能力、耐心和心理素质，小伙伴平时要多找类似的题目练习一下。

行测部分招商银行笔试中比重最大的是行测部分。

行测部分题量较大，做题时间比较短，那怎么才能拿下行测呢？根据考上银行的学长经验，小伙伴们只要能用最短的时间做对最多的题，行测部分就差不多了。

行测其实比的就是大家的做题速度和正确率。

专业知识部分在招行的笔试中专业知识部分考题所占比重不大，有时候笔试也会碰到不考金融类题目的情况，建议小伙伴平时不要去刷偏题、难题。

备考时以基础知识为主，把基础打扎实了就可以。

但也不能忽略了专业知识的复习，因为到面试环节还会问经济、金融相关的专业知识。

英语部分招商银行的英语部分考查形式主要是单选、完形填空、阅读理解。

英语部分的难度不大，阅读理解一般在文章中就能找到答案，但是有一些生词。

建议小伙伴平时要积累金融词汇，提升做题速度。

银行常识部分关于招商银行常识的部分则需要小伙伴们去到招商银行官网上了解，着重总结关于招商银行的企业文化、行情、新闻、荣誉榜等。

这一部分的考查比重也不大，但是姐姐提醒大家一下，今年招行的应聘要求中有一条是写认同招行文化哦！还有就是面试环节面试官也会问银行常识问题哦！性格测试性格测试主要是从对公司期待、对领导的期待和自我工作风格三个方面测试。

性格测试比较简单，前两项小伙伴只要凭直觉答就可以了，但第三项不要表现自身要求过低。

还有要注意测试前后保持一致，避免说谎的嫌疑。

招行笔试考试全部采用机考，平时刷题一定也要用机考模式的试题。

招商银行招聘考试笔试试题招商银行XXXX分行笔试时间:90分钟1 . 5岁以下儿童录取2。

电子零售商买方世界宣布计划对软件购买进行_______折扣。

(a)预测;( b)运输;( c)消除;( d)妥协3。

巴里先生负责监督日产大厦从最初阶段到竣工阶段的发展。

(a)从(b)到(c)从(d)大约4。

WCM的季度报告记录了这家计算机公司在软件部门取得的收益。

(a)反射(b)反射(c)反射器(d)反射5。

从八月开始，任何从绿城乘坐通勤列车的人都可以免费停车。

如果(b)是(c)是(d)将是6。

_____间办公室设在会议室，直到大楼翻修完成。

(一)测试(二)表格(三)发明(四)制造转移7。

杰斐逊女士要求她的秘书将小册子分为三类。

他说，中国政府将继续贯彻“一国两制”的方针。

承认(d)承认2。

电子零售商买方世界宣布计划对软件购买进行_______折扣。

(a)预测;( b)运输;( c)消除;( d)妥协3。

巴里先生负责监督日产大厦从最初阶段到竣工阶段的发展。

(a)从(b)到(c)从(d)大约4。

WCM的季度报告记录了这家计算机公司在软件部门取得的收益。

(a)反射(b)反射(c)反射器(d)反射5。

从八月开始，任何从绿城乘坐通勤列车的人都可以免费停车。

如果(b)是(c)是(d)将是6。

_____间办公室设在会议室，直到大楼翻修完成。

(一)测试(二)表格(三)发明(四)制造转移7。

杰斐逊女士要求她的秘书将小册子分为三类。

(a)分离(b)分离(c)分离(d)他的大部分作品:一尘不染不是不再有灰尘，而是灰尘让它飞扬，我是我自己的阳光。

是的，世界是喧闹的，让它去吧，做一个阳光的人和快乐的主人！我还没来得及享受美丽的金花年，我就已经白发苍苍了，我的一生匆匆而过。

生活如此匆忙，以至于在细细品味之前，只剩下记忆。

生活很匆忙。

当累了，选择放手。

不要让自己受苦。

不要让自己不知所措。

只有放下应该放下的东西，心灵才能放下沉重的负担，生活才会轻松。

招商银行校园招聘考题试题和答案第一部分名词解释5个1、货币制度答案：——又称”币制”或”货币本位制”,是国家以法律形式确定的货币流通的结构和组织形式,简称币制2、基础货币答案：——是指处于流通界为社会公众所持有的通货及商业银行存于中央银行的准备金的总和.3、金融市场答案：——是实现金融资产交易和服务交易的市场。

4、流动性陷阱答案：——是指当利率降到一个低点时,人们的货币需求会变得无穷大得一种极端形式,此时央行无任增加多少货币供应给,都对利率不起作用.5、利率——答案：是指借贷期满所形成的利息额与所贷出的本金额的比率第二部分判断正误10个6、一般而言，股票的筹资成本要低于债券（×）7、以后，监管商业银行的业务经营成为中国人民银行更加重要的职责之一（×）8、从货币发展的历史看，最早的货币形式是铸币（×）9、存款保险制度是为了维护存款者利益和金融业安全而建立的，它强制规定商业银行必须加入存款保险（×）10、高利贷信用是资本主义社会占主导地位的信用形式（×）11、格雷欣法则是在金银复本位中的双本位制条件下出现的现象（√）12、货币作为交换手段不一定是现实的货币（×）13、间接标价法指以一定单位的本国货币为基准来计算应收多少单位的外国货币（√）14、降低交易成本并提供金融便利的功能是所有金融机构具有的基本功能（×）15、金币本位制条件下，流通中的货币都是金铸币（×）第三部分单项选择10个16、在金融市场中，既是重要的资金需求者和供给者，又是金融衍生品市场上重要的套期保值主体的是()。

A.家庭B.企业C.中央银行D.政府参照答案：B 【答案解析】：企业是金融市场运行的基础，是重要的资金需求者和供给者。

此外，企业还是金融衍生品市场上重要的套期保值主体。

17、金融工具在金融市场上能够迅速地转化为现金而不致遭受损失的能力是指金融工具的()。

招商银行招聘考试职业能力测验真题及答案解析一、单项选择题( 共 20，分数： 20.00)1. 美国联邦储藏银行的股本全部由参加联邦储藏体系的会员银行所拥有，会员银行按自己实收资本和公积金的( ) 认购所参加的联邦储藏银行的股份，先缴付所认购股份的一半，另一半待通知随时缴付。

A．2%B．3%C．5%D．6%√【解析】美国的中央银行属于全部资本非国家所有的资本构造，此种资本构造是指中央银行的资本全部由民间资本形成，国家政府不持有股份的中央银行资本构成形式。

美国联邦储藏银行的股本全部由参加联邦储藏体系的会员银行所拥有，会员银行按自己实收资本和公积金的6%认购所参加的联邦储藏银行的股份，先缴付所认购股份的一半，另一半待通知随时缴付。

2. 美国采用的银行制度是( ) 。

A．单一银行制度√B．分支银行制度C．持股公司制度D．连锁银行制度【解析】单一银行制度又称为单元银行制或独家银行制，就是银行业务完全由各自独立的商业银行经营，不设或不允许设分支机构。

这种银行制度在美国比拟典型。

3. 从业务运作实质来看，福费廷就是( ) 。

A．保付代理B．银行保函C．远期票据贴现√D．质押贷款【解析】福费延业务是指银行对国际贸易延期付款方式中出口商持有的远期承兑汇票或本票进展无追索权的贴现，从业务实质来看，就是远期票据贴现。

4. 保付代理业务的流程的正确顺序是( ) 。

(1) 进口商付款(2) 出口商转让应收账款给保理银行(3) 保理行催收债款(4) 出口商发出货物(5) 保理行提供融资效劳A． (4)(5)(2)(1)(3)B． (4)(2)(5)(3)(1) √C． (4)(2)(3)(5)(1)D． (2)(3)(4)(5)(1)【解析】保付代理业务流程：出口商发出货物并取得发票然后将发票卖给保理银行( 转让应收账款) ，保理银行为出口商提供融资效劳，然后保理行向进口商催收债款，进口商付款。

5. 以下关于利率双轨制说法正确的选项是( ) 。

2020年秋季招商银行校园招聘考试真题1. Due to personality _____ , the two colleagues never got on well in work.A. contradictionB. conflictC. confrontationD. competition2. There were 150 _____ at the international conference this summer.A. spectatorsB. viewersC. participantsD.onlookers3. For the advertised position, the company offers a (an) _____ salary and benefits package.A. generousB. plentifulC. abundantD. sufficient4. Our school library is _____ closed for repairs.A. shortlyB. quicklyC. temporarilyD. rapidly5. —Did you fly to London directly? —No, I traveled from Taiwan _____ Paris.A. throughB. by way ofC. by the wayD. in the way6. Teddy came to my_____with a cheque of 200 dollars to pay my room rate, after I phoned him that my wallet had been stolen.A. attendanceB. assistanceC. rescueD. safety7. The moon, being much nearer to the Earth than the Sun, is the_____cause of the tides .A. principalB. basicC. initialD. elementary8. First, we need to find out what his scheme is, and then act_____ .A. sensitivelyB. imaginativelyC. efficientlyD.accordingly9. Men differ from animals_____three is to one.A. for whichB. for thatC. in thatD. in which10. _____the boss says, it is unreasonable to ask me to work overtime without pay.A. WhateverB. WheneverC.WhicheverD. However11. A new laptop costs about_____ of a second-hand one.A. the price of three timesB. three times the priceC. as much as the three times priceD. three times more than the price12.In this factory, suggestions often have to wait for months before they are fully _____ .A. admittedB. acknowledgedC. absorbedD. considered13. I was very interested in_____she told me.A. all thatB. all whichC. all whatD. that14. During the TV interview, the singer announced that he was going to_____ his new album soon.A. releaseB. renewC. relieveD. rehearse15. After working for the firm for ten years, he finally_____ the rank of deputy director.A. achievedB. approachedC. attainedD. acquiredCREDIT PROBLEM?CREDIT DENIED?WE CAN HELP!（COLLECTION AGENCIES）●LATE PAYMENTS ●REPOSSESSIONS●BANKRUPTCIES ●BIG DEBTSICR’S Exclusive $5-million Computer Search Program The only one of its kind in the worldHow credit agencies may not in compliancewith the Canadian Consumer Reporting Act and what you can do about it."WE REPAIR CREDIT---LEGALLY""All information is strictly confidential"Consolidate debts into lower monthly payments!Call for an appointment:416-755-78916. Who is the intended audience of this advertisement?A.People who are in legal trouble.B.Anyone who is having financial problems.C.Businesses that are in need of tax breaksD.Workers who must do their yearly taxes.17. What type of services does the company offer?A. It helps those who are in debt.B. It lends money at low interest.C. It invests in potential companies.D. It provides legal counseling to people in trouble.Anebook (alsoreferredtoasanelectronicbook, eBook, or e-book) is a digital version of a printbookthat you download and read. But if you wanttoreadanebook, you must haveanEbook Reader, which is a kind of free software used by yourcomputer. Make sure you have installed the appropriate Reader before you download your ebook from the Internet. The software allows youtoturn the words on the screen into the size you like. Italsohelps you turn pages and change your viewing options.Ebooks are a fun alternativetoregular books. You can download themtoanycomputers and create your own library of hundreds of titles. If you load them onto your portable computer, you can take them with you when you travel. Some ebooks are even interactive! Best of all, when you orderanebook, there is no waiting and no shipping charges. The amount of time it takestodownload your ebook depends on the speed of your connection and the size of your ebook.18. From this passage, we learn thatanebook_____.A.can be found in any libraryB.can be read directly from the InternetC.can be read by anyone who has a computerD.can be read when special software is installed19. From this passage, we can learn that_____.A.you can readanebook on a laptop when you travelB. you can orderanebook using the Ebook ReaderC. the ebooks ordered havetobe shippedtoyouD.it takes a lot of trouble readinganebook20.Which of the following statements is TRUE ?A.Anebook is ordered in the same wayasa printbookis.B.The size of the words inanebook cannot be changed.C.The downloading time is decided by the ebook’s sizeD.There is less fun readinganebook than a printbook.When we talk about intelligence, we do not mean the ability to get good scores on certain kinds of tests or even the ability to do well in school. By intelligence we mean a way of living and behaving (表现), especially in a new situation. If we want to test intelligence, we need to find out how a person acts instead ofhow much he knows what to do.For example, when in a new situation, an intelligent person thinks about the situation,not about himself orwhat might happen to him. He tries to find out all be can,and then he acts immediately and tries to dosomething about it. He probably isn't sure how it will all work out, but at least he tries. And if he cannot makethings work out right, he doesn't feel ashamed (羞愧) that he failed, he just tries to learn from his mistakes. An intelligent person, even if he is very young, has a special outlook (看法) on life, a special feeling about life, and how he fits into it.If you look at children, you'll see great difference between what we call "bright" children and "non-bright"children. They are actually two different kinds of people, not just the same kind with different amount ofintelligence. For example, the bright child really wants to find out about life-he tries to get in touch witheverything around him. But the unintelligent child keeps more to himself and his own dream-world; he seemsto have a wall between him and life in general.21. According to this passage, intelligence is the ability to ________.A. get some high scores on some testsB. do well in schoolC. deal with lifeD. have a lot of book knowledge22. In a new situation, an intelligent person ________.A. knows more about what might happen to himB. is sure of the result he will getC. cares more about himselfD. keeps his mind on what to do about the situation23. According to the passage the biggest difference between “bright”children and “not bright”children lies in _______.A. the amount of intelligenceB. the different situations they faceC. the differentattitudes to lifeD. the background of life24. What is the main idea of the passage?A. What is the real meaning of intelligence?B. What is the “bright”children behavior?C. What is a special outlook on life?D. How to live and behave in a new situation?25. In the next part of the passage, the author might continue to talk about ___.A. how to determine what intelligence isB. how education should be changedC. how to judge whether a person is intelligentD. how an unintelligent person should be taughtWhen young women were found to make only 82 percent of what their male peers do just one year out of college, many were at a loss to explain it.All the traditional reasons put forward to interpret the pay gap—that women fall behind when they leave the workforce to raise kids, for example, or that they don’t seek as many management roles—failed to justify this one. These young women didn’t have kids yet. And because they were just one year removed from their undergraduate degrees, few of these women yet had the chance to go after (much less decline) leadership roles.But there are other reasons why the pay gap remains so persistent. The first is that no matterhow many women may be getting college degrees, the university experience is still an unequal one. The second is that our higher education system is not designed to focus on the economic consequences of our students’years on campus.Now that women arc the majority of college students and surpass men in both the number of undergraduate and advanced degrees awarded, one might think the college campus is a pretty equal place. It is not. Studies show that while girls do better than boys in high school, they start to trail off during their college years. They enroll in different kinds of classes, tend to major in less rigorous（非常严格的）subjects, and generally head off with less ambitious plans.As a result, it's not surprising that even the best educated young women enter the workplace with a slight disadvantage. Their college experience leaves them somewhat confused, still stumbling（栽倒）over the dilemmas their grandmothers' generation sought to destroy. Are they supposed to be pretty or smart? Strong or sexy（性感的）? All their lives, today's young women have been pushed to embrace both perfection and passion to pursue science and sports, math and theater and do it all as well as they possibly can. No wonder they are not negotiating for higher salaries as soon as they get out of school. They are too exhausted, and too scared of failing.26. Traditionally, it is believed that women earn less than men because_________.A.they have failed to take as many rigorous coursesB.they do not feel as fit for management rolesC.they feel obliged to take care of their kids at homeD.they do not exhibit the needed leadership qualities27. What does the author say about America's higher education system?A. It does not offer specific career counseling to women.B.It does not consider its economic impact on graduates.C.It does not take care of women students' special needs.D.It does not encourage women to take rigorous subjects.28. What does the author say about today's college experience?A.It is different for male and female students.B.It is not the same as that of earlier generations.C.It is more exhausting than most women expect.D.It is not so satisfying to many American students.29. What does the author say about women students in college?A. They have no idea how to bring out their best.B.They drop a course when they find it too rigorous.C.They are not as practical as men in choosing courses.D.They don't perform as well as they did in high school.30. How does the author explain the pay gap between men and women fresh from college?A.Women arc too worn out to be ambitious.B. Women are not ready to take management roles.C.Women are caught between career and family.D.Women are not good at negotiating salaries.31.对真正知道标准、了解音乐、懂得思考的演奏家，练习只是确保舞台上的演出水平，并非练出一个不可改变的诠释。