2024年江苏银行招聘考试模拟试题及答案2024年江苏银行招聘考试模拟试题及答案（一）1.以下关于边际效用理论的说法中，正确的是( )。
A.边际效用是递减的B.总效用达到最大值时，边际效用为0C.一般来说，边际效用取决于消费数量的多少D.从数学的意义上看，边际效用就是总效用函数的斜率E.在一定范围内，消费量越大，则边际效用就越大1.【答案】ABD。
解析：本题考查边际效用理论。
一般来说，总效用(TU)取决于消费数量的大小，在一定范围内，消费量越大，则总效用就越大，边际效用等于总效用的变化量与数量变化量的比，可以看做是斜率，C选项边际效用取决于总效用和数量的变化量，所以选项CE说法有误。
2.随着消费商品数量的增加( )。
A.边际效用递减B.边际效用总大于零C.边际效用会小于零D.每单位商品增加的效用量减少E.总效用不断减少2.【答案】ACD。
解析：给定时间内，其他商品的消费数量保持不变时，随着消费者对某商品消费总数量的增加，消费者从该商品连续增加的每一消费单位所得到的效用增量即边际效用是递减的。
因此A选项正确，B选项错误。
当边际效用大于0时，总效用递增，边际效用等于0时，总效用最大，边际效用小于0时，总效用递减。
因此E选项错误。
3.总效用和边际效用的关系( )。
A.当边际效用为零时，总效用最大B.当边际效用为零时，总效用最小C.当边际效用为负时，总效用递减D.当边际效用为负时，总效用递增E.当边际效用为正时，总效用递增3.【答案】ACE。
解析：总效用TU：给定时间、数量下，消费者能够得到的消费效用量的总和。
边际效用MU：给定时间下，消费者增加一单位商品的消费所得到效用量的增量。
边际效用是总效用函数的导数，因此，当边际效用为正时，总效用递增;当边际效用为负时，总效用递减;当边际效用为零时，总效用最大。
4.边际效用递减规律可以用以下理由中的( )来解释。
A.生理或心理原因B.个人偏好C.物品本身用途的多样性D.资源的稀缺E.以上均正确4.【答案】AC。
江苏银行招聘笔试真题2023（沭扩分100分时间120分钟）一、单选题（每题只有一个正确答案，答错、不答或多答均不得分）1. XX县食品药品监督管理局与县工商行政管理局就准备开展食品安全专项大检查活动事宜联合向上级机关行文。
下列做法符合公文规范的是（）。
A. 将公文标题写成“关千开展食品安全专项大检查活动的报告”B. 该公文只标注了XX县食品药品监督管理局签发人姓名C. 该公文的发文字号只标注XX县食品药品监督管理局的字号D.将公文标题写成“关千开展食品安全专项大检查活动的请示“【答案】： C2. 物联网中物体通过住处传感设备，与互联网相连接，进行信息交换和通信。
下列不具备信息传感功能的设备是（）。
A. 红外感应器B. 射频标签C. 激光扫描器D. 普通数码相机【答案】： D3. 关千我国教育及科举制度，下列说法不正确的是()A. "孝廉”是汉代察举科目之一B. 殿试一甲第三名称榜眼C. 博士在古代是官名D. 太学是中国古代最高学府【答案】： B4. 我国地势最低的地方是艾丁湖湖面，而最高的珠穆朗玛峰位于（）。
A. 中尼边境B. 中印边境C. 中巴边境D. 中缅边境【答案】：A5. 建设有中国特色的社会主义行政学的基理论依据是（）A. 政治学理论B. 行政管理二重性原理C. 经济学理论D.管理学理论【答案】： B6. 造成商品生产者两极分化是由千（）的作用A. 价值规律B. 劳动分配规律C. 剩余价值的规律D. 资本运行规律【答案】：A7. "沉鱼落雁，闭月羞花”是形容女子的美貌的，请问“落雁”指的是谁：A. 杨贵妃B. 西施C. 貂禅D. 王昭君【答案】： D8. 俗话说：“好货不便宜，便宜没好货”这一观点的合理性在于它看到了（）A. 商品价格由其价值决定B. 商品的供求关系受价格的影响C. 商品是使用价值和价格的统一体D.商品的质量决定其价格【答案】：A9. 某部门负责人被上级领导批评为“控制的太多，而领导的太少”他在工作中存在的主要问题最可能是（）A. 事无巨细，事必躬亲B. 没有和下级进行有效沟通C. 对工作任务的完成没有充分的关注D.对下级的生活困难缺乏足够的关心【答案】：A10. 职务侵占罪，是指公司、企业或者其他单位的人员，利用职务上的便利，将本单位财物非法占为己有，数额较大的行为。
第一部分：英语能力题一、单项选择1. Luckily, the fire fighters arrived and _______ the terrible fire.A. put onB. put outC. put downD. put away答案：B2. Their debts _______ 700.A. added toB. adds upC. add toD. add up to答案：D3. I can hardly imagine Peter ________ across the Atlantic Ocean in five days.A. sailB. to sailC. sailingD. to have sailed答案：C4. For miles and miles, I could see nothing _______ a great fire and lots of smoke.A. besideB. besidesC. exceptD. without答案：C5. This means the boy may be out of job for some time. In this sentence “be out of job” means _______.A. be on their days offB. go outsideC. lose his jobD. finish his work答案：C6. The TV play we watched last night was very ________.A. frighteningB. afraidC. frightD. frightened答案：A7. No one can be sure ____________ in a million years.A. what man will look likeB. what will man looklikeC. man will look like whatD. what look will manlike答案：A8. We took soft drinks to the _______ and our friends took beer there.A. benchB. beachC. bankD. bend答案：B9. Who will ________ the bill?A. payB. pay forC. pay offD. pay out答案：A10. The hero of the story is an artist in his _______.A. thirtiethB. thirtyC. thirty’sD. thirties答案：D11. The prices of fridges have been ______ recently.A. pressedB. brought outC. cut offD. brought down答案：D12. The students ________ busily when Miss Brown went to geta book she ________ in the office.A. had written; leftB. were writing; has leftC. had written; had leftD. were writing; had left答案：D13. There is _______ bread in the cupboard, ________?A. no more…is thereB. not any more…isn’t thereC. no longer…is thereD. not any longer…isn’t there答案：A14. Mrs. Smith warned her daughter __________ after drinking.A. never to driveB. to never driveC. never drivingD. never drive答案：A15. We couldn’t eat in a restaurant because __________ of us had __________ money on us.A. all; noB. any; noC. none; anyD. no one; any答案：C16. On Saturday afternoon, Mrs. Green went to the market, _____ some bananas and visited her cousin.A. boughtB. buyingC. to buyD. buy答案：A17. These oranges taste __________.A. goodB. wellC. to be goodD. to be well答案：A18. The shop assistant didn’t give me the right ________.A. changeB. moneyC. serveD. note答案：A19. When and where to build the new factory _________ yet.A. is not decidedB. are not decidedC. has not decidedD. have not decided答案：A20. The secretary worked late into the night, ______a long speech for the president.A. to prepareB. preparingC. preparedD. was preparing答案：B二、完型填空Although international travel is usually an （1） and pleasantexperience, travellers should take steps to ensure that their health does not suffer either （2） their time （2）the air or （2）their time abroad.Before you go, check with your doctor or local travel clinic （1）injections are necessary for the areas you are travelling （4） . Allow sufficient time to have these injections before you （5） because they may take time to become effective. Be sure that the information on health is up-to-date. Check on the Internet if you are not sure.Don't go to bed late the day （6）you fly.Your body has a natural daily sleep pattern. It takes time to adjust to a new time zone. There are many different （7） of jet lag: you may not be able to sleep, you may not want to eat or you may feel sick and tired. You may not be able to concentrate for some days after you arrive.There are several things you can do to （8） the effects of jet lag:－ Do your （9） to relax during the flight;－ Sleep as much as you can on the flight. Use a mild sleeping pill if necessary;－ Drink as much water as you can;－ Don't drink alcohol and caffeine;－ Take mild sleeping pills （10） the first few days in the new time zone if you need them.1. A. excited B. exciting C. unexcited D. unexciting2. A. of…on…of B.of…in…ofC.from…on…fromD.from…in…from3. A. where B. (不填) C. which D. that4. A. - (不填) B. in C. to D. at5. A. will leave B. isleavingC. leaveD. have left6. A. after B. in C. on D. before7. A. effects B. effect C. affect D. affects8. A. short B. shorten C. less D. lessen9. A. good B. better C. best D. most10.A. at B. for C. of D. on答案： B; D; C; C; C; .D;.A; D; C; B三、阅读理解Passage 1"Listen, that's not right." "Look, you don't understand!" "Sorry, I don't follow."Are these three speakers, who are just chatting naturally, actually revealing what many people believe is their dominant thinking and learning style? Many educators, who research inthis field say that everybody has one of three basic ways of processing the world: visual, auditory or kinaesthetic. Students who find their dominant learning style can make their learning more efficient.The Visual Learner:"Look, you don't understand!"The visual learner tends to learn by watching and copying what others do; they usually draw diagrams, maps and pictures rather than taking notes in words. They have a rich imagination, they tend to see pictures in their head and daydream in colour; they notice changes in people and places quickly; they remember faces not names; they write neatly and need a tidy environment to work in, but they like to surround themselves with colour, art and pictures; they doodle a lot.The Auditory Learner:"Listen, that's not right."The auditory learner prefers to listen to explanations, enjoys conversations, usually talks very well, with a wide vocabulary. They tend to move their lips when they read and often talk to themselves; they usually remember names rather than faces; they prefer listening to music to looking at art and pictures, but when they are studying, music distracts them; they hum alot.The Kinaesthetic Learner:"Sorry, I don't follow you." Kinaesthetic learners are used to doing things physically, not listening to explanations or watching demonstrations. They like to move around when they are reading or walk up and down while trying to memorise things; they tend to touch and hug people a lot.They often prefer sports to cinemas and concerts and may lose concentration quickly if they don't study in the right way.Do you recognise yourself in one of the descriptions above? Three students took the tests and this is what they said.The visual learner:My teacher always used to tell me off for doodling - now I realise it helped me concentrate.The auditory learner:The coursebooks, which my colleagues found very interesting, were useless for me. I didn't want to read and take notes. Ijust wanted to discuss the ideas.The kinaesthetic learner:A teacher, who knows about learning styles suggested that I tape the lectures and listen to them when I am jogging. 1. Which of the following learners is NOT mentioned in the passage?A. Visual learner.B. Auditory leaner.C. Kinaesthetic leaner.D. Sensory learner.2. Which of the following is NOT true about the visual learners?A. They usually learn by watching and copying what others do.B. They prefer drawing pictures to taking notes in words.C. They are full of imagination.D. They remember people's names quickly.3. Which of the following describes best the auditory learners?A. They like to watch and listen to what others do.B. They prefer to listen rather than watch.C. They like both music and pictures.D. They usually talk less.4. The kinaesthetic learner tends to _________.A. listen to explanations and enjoy conversationsB. memorise things via picturesC. do more physical exercisesD. be forgetful5. According to the passage, the drawback of being a visual learner is __________.A. he cannot concentrate on thingsB. he dislikes musicC. he always daydreamsD. none of them答案：D; D; B; C; APassage 2However important we may regard school life to be, there is no gain saying the fact that children spend more time at home than in the classroom. Therefore, the great influence of parents cannot be ignored or discounted by the teacher. They can become strong allies of the school personnel or they can consciously or unconsciously hinder and thwart curricularobjectives.Administrators have been aware of the need to keep parents informed of the newer methods used in schools. Many principals have conducted workshops explaining such matters as the reading readiness program, manuscript writing, and developmental mathematics.Moreover, the classroom teacher, with the permission of the supervisors, can also play an important role in enlightening parents. The many interviews carried on during the year as well as new ways of reporting pupils’ progress can significantly aid in achieving a harmonious interplay between school and home.To illustrate, suppose that a father has been drilling junior in arithmetic processes night after night. In a friendly interview, the teacher can help the parent sublimate his natural paternal interest into productive channels. He might be persuaded to let junior participate in discussing the family budget, buying the food, using a yardstick or cup at home, setting the clock, calculating mileage on a trip, and engaging in scores of other activities that have a mathematical basis. If the father follows the advice, it is reasonable to assumethat he will soon realize his son is making satisfactory progress in mathematics and, at the same time, enjoying the work.Too often, however, teachers' conferences with parents are devoted to petty accounts of children's misdemeanors, complaints about laziness and poor work habits, and suggestions for penalties and rewards at home.What is needed is a more creative approach in which the teacher, as a professional adviser, plants ideas in parents’ minds for the arrangement of the many hours that the child spends out of the classroom. In this way, the school and the home join forces in fostering the fullest development of youngsters’ capacities.6. The first paragraph aims to __________.[A] the role of school in children’s growing up[B] the role of parents in children’s growing up[C] the necessity of cooperation between school and parents[D] the negative influence of parents for children’s healthy development7. The central idea conveyed in the passage is that ________.[A] teachers can and should help parents to understand and further the objectives of the school[B] parents unwittingly have hindered and thwarted curricular objectives[C] there are many ways in which the mathematics program can be implemented at home[D] parents have a responsibility to help students to do their homework8. It can reasonably be inferred that the author _________________.[A] is satisfied with present relationships between home and school[B] feels that the traditional mathematical program is superior to the developmental program[C] believes that schools are lacking in guidance personnel[D] feels that parent-teacher interviews can be made more constructive than they are at present9. A method of parent-teacher communication NOT mentioned by the author is ________.[A] classes for parents [B] demonstration lesson[C] new progress report forms [D] parent-teacher interviews10. The author's primary purpose in writing this passage is to ________.[A] tell parents to pay more attention to teachers’ guidanceabout education at the home[B] help ensure that every child's capacities are fully developed when he leaves school[C] urge teachers to make use of a much underused resource?the parents[D] brainwash parents into doing the best thing for their child’s education答案： C A D B CPassage 3Why are so many people unhappy in their jobs? There are two primary reasons. First, some people are convinced that earning a living is wasting time that they could spend enjoying themselves or uncovering their true talents.If this is the case with you, recall your last long vacation. Was it two weeks of complete enjoyment? More likely it was a week and a half of fun in the sun, with another half a week of "Boy, I can't wait to get back to work." If you didn't feel such vacation blues, then imagine taking a leave of absence. You could use it to work on a novel, enroll in classes or just sit around watching TV. At the end of three months, in all likelihood, your self-esteem would be at an all-time low. Whileall work and no play is not good, all play and no work is disastrous. We need to feel we are accomplishing something. We also need some form of order in our lives.The second and perhaps more prevalent reason for people not to like their work is that they feel trapped. Once you've been at a company for five years and have a spouse, a mortgage and a child, you often feel you have very little choice about jumping ship if things aren't turning out as you'd planned.A steady paycheck can be the biggest manacle (手铐, 束缚)of all. People resent having to do something because they have no other choice.If you find yourself resenting your job because you can't afford to quit, it may be time to prepare what one career counselor humorously calls a "cyanide capsule." He recalls spy movies in which the secret agent has such a capsule hidden somewhere on his body. If he's captured and tortured unbearably, he has an option. And having an option gives him the strength to hold on a little longer in the hope that the situation may change.Rather than cyanide, your option takes the form of an up-to-date resume. You might also take a weekly glance through the helpwanted section, and make some visits to industryfunctions where lowkey networking can take place. You're not giving up on your current job. Rather, you are providing yourself with an option. If things get unbearable at work, you could jump ship. Being in this position can do wonders for your attitude. It allows you to enjoy your work since,in reality, you are there only because you want to be.At the core of adopting a positive attitude to your workplace is, above all, assuming responsibility for your own situation. Most people feel controlled by their environment, but they really aren't. They have to learn to manage that environment so they can get from it what they need. （468 words ）11. The first main reason for many people's unhappiness in their jobs rises from their conviction that ____________________.A. working at a job is just wasting their timeB. working is not the enjoyment they are afterC. working is like killing their true talentsD. working is the least enjoyable way of spending time12. The second main reason for their unhappiness is that ______________.A. they have been working in a company for too longB. they are not permitted to change a jobC. they have no other way out than keep workingD. they have to work on to pay off their debts13. With an up-to-date resume ready as an option, you may feel better at your job because _____________.A. it is up to you to choose between two alternativesB. you are to do wonders in your workC. it seems to be the only positive attitudeD. you have made a decision on your own14. It can be inferred that the author _________A. quite agrees with the "up-to-date resume" attitudeB. can hardly tolerate one's complete enjoyment of lifeC. tries to sound persuasive and convincing in his opinions about career bluesD. believes that one can not change his/her environment15. What is the author "s attitude towards' self-esteem" (Paragraph 2 ) ?A. unconcernedB. cautiousC. supportiveD. negative答案：DCACCPassage 4Paul Tibbets is a good-natured old man with thick white hair who speaks thoughtfully. The lively 85-year-old was the pilotand commander of the bomber who dropped the first-ever atom bomb on the Japanese city of Hiroshima on August 6, 1945. He is a controversial (争议的) figure in world history but most Americans regard him as a hero. Tibbets never tires of recalling the operation that was to shape the rest of his life. More than 140,000 people were killed in the atomic explosion and tens of thousands of others died from the after-effects of radiation (辐射). “I didn’t realize at the time what effect dropping the atom bomb would have. Our aim was to do everything to beat the Japanese. They were our enemies and we were at war. We wanted to see an end to the killing so that our soldiers could come home,” said Tibbets. Although Tibbets was following orders he has been forced to confront the moral impact of the bombing. His name became known throughout the world along with that of the plane used to drop the atom bomb. From that day on he is “the man who dropped the atom bomb”. “After the war I met President Truman,” said Tibbets. “He told me I had done my duty and that if anyone criticized me for dropping the bomb I should send that person to see him because he gave me the order to do so.” The retired general has been around the world a lot since then but has never gone back to Japan.16. What’s Paul Tibbets well-known for?A. He is famous for his good appearance.B. He is famous for his long life.C. He is known for an excellent pilot.D. He is known as the commander who dropped the first atom bomb in Japan.17.Paul Tibbets is a person __________.A. who is regarded as a hero by all the peopleB. who is regarded as a hero by most AmericansC. who knows well about Japanese citiesD. who knows well about world history18.According to the passage, which of the following statements is TRUE?A. Tibbets tires of recalling the operation.B. This operation affected the rest of Tibbet’s life greatly.C. Fourteen thousand people died from the after -effects of radiation.D. Only tens of thousands of people were killed by theatomic.19.From the passage, we probably can know that __________.A. Tibbets clearly knew the effect about dropping the atom bomb at firstB. Soldiers were eager to end the war as quickly as possibleC. Tibbets’ name is well-known throughout the world with that planeD. Tibbets needn’t face the moral complaint of bombing20.The author’s description about Paul Tibbets is __________.A. gladB. sadC. objectiveD. subjective答案：DBBBC第二部分：专业能力题一、单项选择题1．存款准备金等于（D）。
第一部分专业能力测试一、单项选择题1、2003年修改通过的《中华人民共和国商业银行法》规定，商业银行以安全性、流动性和（）为经营原则。
A.政策性B.公益性C.效益性D.审慎性答案：C解析：【答案解析】：2003年12月17日将商业银行的经营原则修改为“商业银行以安全性、流动性、效益性为经营原则，实行自主经营、自担风险、自负盈亏、自我约束”。
2、道义劝告属于：A.一般性货币政策工具B.选择性货币政策工具C.直接信用控制D.间接信用指导答案：D解析：解析：本题选择D一般性货币币工具包括：法宝存款准备金、再贴现和公开市场业务联系。
选择性货币政策工具包括：消费信用控制、不动产信用控制和证券市场信用控制等。
补充性货币政策工具包括：直接信用控制和间接信用指导。
3、假定某商业银行吸收到1000万元的原始存款，然后贷放给客户，法定存款准备金率为12%，超额准备金率为3%，现金漏损率为5%，则存款乘数是()A.5.0B.6.7C.10D.20答案：A解析：【答案】：A.1/(12%+3%+5%)=5,存款乘数的公式4、金融资产管理公司的经营目标是：A.利润最大化B.最大限度保全被剥离资产、尽可能减少资产处置过程中的损失C.支持国有大中型企业的改革D.改善商业银行的资产负债状况答案：B解析：解析：本题选B。
公司的经营目标是：最大限度保全被剥离资产、尽可能减少资产处置过程中的损失，依法独立承担民事责任。
5、如果某债券当前的市场价格为P，面值为F,年利息为C，其本期收益率r为()。
A.r=C/FB.r=P/FC.r=C/PD.r=F/P答案：C解析：【答案】C【解析】本期收益率是指本期获得的债券利息(股利)额对债券本期市场价格的比率。
计算公式为：r=C/P。
6、商业银行在资产负债综合管理中，致力于实现资产与负债在期限上的匹配。
这是商业银行进行()管理的举措。
A.信用风险B.市场风险C.操作风险D.流动性风险答案：D解析：【答案】：D.7、我国商业银行实行的组织形式是：A.总分行制B.单一银行制C.银行控股公司制D.连锁银行制答案：A解析：解析：本题选A。
