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银行从业资格考试模拟试题(2019/11/4)
1题:某投资者投资10000美元购买区间投资的欧元/美元外汇挂钩理财产品,交易区间为欧元/美元1.1526~1.2239,投资期3个月,约定的潜在回报率为1.467%,最低回报率为0,某段时间内的汇率分别为1.1633,1.1376、1.2567、1.2237,则该投资者获得总回报为( )美元。
A.10000
B.10146.7
C.10163.3
D.10152.6
【单选题】:      

2题:
The Lynndale Spring Line Is Here
This year’s spring line may just be our best collection yet! Our award -winning designers have created some absolutely stunning formal dresses, work suits, and skirt-and-blouse combinations.As always, with Lynndale Fashion you’ll find the most stylish, comfortable, and affordable clothes to suit all your fashion needs.
View our entire spring catalog and place an order online at www.lynndalefashion.com. If you don’t have access to a computer, no problem! Simply send us your order request by mail or fax, along with your credit card information or a personal check.
Lynndale Fashion
Customer OrderDepartment
1155 Richmond Lane
Columbus, Ohio
Fax#: (124) 555-5705
Fax Form
Recipient:Customer OrderDepartment, Lynndale Fashion, (124) 555-5705
I am very interested in some clothing items from your spring catalog. My Internet service a temporarily down, which is why I’m sending this order by fax.
I would like to order the following items. I’ve include the product numbers as listed in the catalog:
1 full-length formal dress (black), #FV240
2 spring skirts (1 navy, 1 yellow), #SS222-2
4 cotton V-neck casual shirts (2 green, 1 gray, 1 white), #39T-599
Please ship the order to the following address:
Vicki Tinelli
668 WestBrookridge
SanDiego,CA
Here is my credit card information:
Name: Vicki R. Tinelli
Card type:American Union
Card number: 2022-2402-7975
Expiration date: 01/09
I would appreciate it if you could contact me to confirm receipt of this order request, as we me know the shipping charge for the order.
Thank you,
Vicki Tinelli
How can customers place an order with Lynndale Fashion
A、At the storeB、By email
C、Over the phone
D、By mail
【单选题】:      

3题:分析企业融资活动的现金流时,主要是关注企业债务与所有者权益的增加或者减少以及股息分配等内容。()
【判断题】:  

4题: 下列证据中证明力最强的是( )。
A.关于应收账款的函证回函
B.询问独立第三者的书面答复
C.被审计单位开具的销货发票
D.严密的内部控制下形成的会计记录
【单选题】:      

5题:金融资产的投资收益包括( )。
A.资本利得
B.现金股利
C.买入价格
D.卖出价格
E.价格指数
【多选题】:        

6题:
DOUBTS ON HEALTHBENEFITS’CLAIMS
Are health food bars really good for youA、recent analysis byDiet and Health magazine failed to find any benefits in health food bars. In fact many of the most popular bars proved to be positively unhealthy, with high levels of fats, sugar, salt, preservatives, and other chemicals plus an inordinate amount of packaging. Rather than substituting a health bar for your breakfast or lunch, consumers would be well-advised to skip them completely.A、balanced diet of freshly-prepared food is still the best, apparently!
What is the main reason for writing this news
A、To alert the public about a new health product
B、To report the finding of a study conducted by a magazine

C、To correct false information printed in an earlier article
D、To suggest some food for a healthy breakfast
【单选题】:      

7题:外汇储蓄账户只能用于外汇存取,不能进行转账。()
【判断题】:  

8题:集中型的风险管理部门不包括商业银行风险管理的核心要素。()
【判断题】:  

9题:
D
From the health point of view we are living in a marvelous age. We are immunized from birth against many of the most dangerous diseases.A、large number of once fatal illnesses can now be cured by modern drugs and surgery. It is almost certain that one day remedies will be found for the most stubborn remaining diseases. The expectation of life has increased enormously.But though the possibility of living a long and happy life is greater than ever before, every day we witness the incredible slaughter of men, women and children on the roads. Man versus the motor car! It is a never-ending battle which man is losing. Thousands of people over the world are killed or horribly killed each year and we are quietly sitting back and letting it happen.
It has been rightly said that when a man is sitting behind a steering wheel, his car becomes the extension of his personality. There is no doubt that the motor car often brings out a man’s very worst qualities. People who are normally quiet and pleasant may become unrecognizable when they are behind a steering-wheel. They swear, they are ill-mannered and aggressive, willful as two-year-olds and utterly selfish.All their hidden frustrations, disappointments and jealousies seem to be brought to the surface by the act of driving.
The surprising thing is that society smiles so benignly on the motorist and seems to condone his behaviour.Everything is done for his convenience.Cities are allowed to become almost uninhabitable because of heavy traffic; towns are made ugly by huge car parks; the countryside is desecrated by road networks; and the mass annual slaughter becomes nothing more than a statistic, to be conveniently forgotten.
It is high time a world code were created to reduce this senseless waste of human life. With regard to driving, the laws of some countries are notoriously lax and even the strictest are not strict enough.A、code which was universally accepted could only have a dramatically beneficial effect on the accident rate. Here are a few examples of some of the things that might be done. The driving test should be standardized and made far more difficult than it is; all the drivers should be made to take a test every three years or so; the age at which young people are allowed to drive any vehicle should be raised to at least 21; all vehicles should be put through stringent annual tests for safety.Even the smallest amount of alcohol in the blood can impair a person’s driving ability. Present drinking and driving laws (where they exist) should be made much stricter. Maximum and minimum speed limits should be imposed on all roads. Governments should lay down safety specifications for manufacturers, as has been done in the USA、All advertising stressing power and performance should be banneD、These measures may sound inordinately harsh.But surely nothing should be considered as severe if it results in reducing the annual toll of human life.After all, the world is for human beings, not motor cars.
The attitude of the author is ______.A.ironical

B、critical
C.appealing
D.militant
【单选题】:      

10题:( )是实贷实付的根本目的。
A.受托支付
B.满足有效信贷需求
C.按进度发放贷款
D.协议承诺
【单选题】:      

11题:商业银行将在何种程度上以本币满足其外汇融资需求取决于其融资需求的规模、进入外汇市场融资的渠道,以及从事表外业务的能力。 ( )
【判断题】:  

12题:下列关于商业银行在完善内部控制体系的理解,不正确的是( )。
A.高级管理层制定适当的内部控制政策
B.董事会负责建立并实施一个充分有效的内部控制体系
C.内部控制不属于商业银行日常工作的一部分
D.监事会负责监督董事会、高级管理层完善内部控制体系
【单选题】:      

13题:在我国商业银行创新中,(  )。
A.管理模式创新最能为客户直接观察和感受到
B.人员准备创新要求商业银行不仅通过各种创新的方式吸引并留住人才,还要通过创新的方式培养、提升现有人才的素质
C.现在要实现从“流程银行”向“部门银行”的转变
D.不必考虑金融产品的创新
【单选题】:      

14题:理财客户购买信托产品时需要考虑的风险因素包括()。
A.通货膨胀风险
B.投资项目风险
C.项目主体风险
D.信托公司风险
E.流动性风险
【多选题】:        

15题:人员因素引起的操作风险是指商业银行员工发生()商业银行违反用工法等造成损失或者不良影响的风险
A.内部欺诈
B.失职违约
C.员工的知识技能匮
D.违法犯罪
E.核心员工流失
【多选题】:        

16题:以贷款所购车辆做抵押的,个人汽车贷款的借款人须交予贷款银行进行保管的材料有( )。
A.购车发票原件
B.各种缴费凭证原件
C.机动车登记证原件
D.行驶证原件
E.保险单
【多选题】:        

17题:一个银行的产品组合通常包括的度量化要素有()。
A.产品组合关联性
B.产品组合宽度
C.产品组合深度
D.产品项目
E.产品类型
【多选题】:        

18题:研究投资者在投资过程中产生的心理障碍以及如何保证正确的观察视角的证券投资分析流派是()。
A.学术分析流派
B.心理分析流派
C.技术分析流派
D.基本分析流派
【单选题】:      

19题:个人实盘黄金买卖的投资者在需要时可以向银行申请办理黄金的实物交割。()
【判断题】:  

20题:保险人在确定人身意外伤害保险费率时考虑的最主要因素是( )。
A.年龄
B.性别
C.职业
D.体格
【单选题】:      

 

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