上海农商银行信用卡部IT岗位招聘笔试参考题库答案详解

上海农商银行信用卡部IT岗位招聘笔试参考题库答案详解（图片大小可自由调整）第1卷一.单项选择题(共50题)1.2011年，财富杂志最新评出的世界 500强排名榜单中，中国工商银行排名第77，营业收入达到（D）A.815亿美元B.905亿美元C.815亿美元D.805亿美元答案：D 本题解析：暂无解析2.忘年之交”是指（ ）。A.儿童时期结交的朋友B.中年时期结交的朋友C.老年时期结交的朋友D.年辈不相当的人结交为朋友答案：D 本题解析：“忘年之交”是指年辈不相当而结交为朋友。3.2+5+8+11+101=（ ） 。A.1692B.1741C.1743D.1751答案：D 本题解析：一共有（1012）3+1=34 项，运用等差数列求和公式（2+101）342=1751。4.2017年第二季度中国第三方移动支付航旅市场交易份额根据材料，以下说法正确的有（）。2017年易宝支付与财付通交易份额的总额比支付宝多2016年第二季度连连支付在航旅市场的交易额约为0.58亿元已知2017年第二季度中国第三方移动支付在航旅市场的交易总额同比增长21%，若按此增长速度，且各第三方移动支付航旅市场交易份额不变，则2018年第二季度易宝支付在航旅市场的交易额约为3.53亿元。2018年第二季度易宝支付在航旅市场的交易额将超过财付通A.B.C.仅D.答案：C 本题解析：题干中只知道2017年第二季度的第三方支付在航旅市场的市场份额，无法推知2017年全年的市场份额大小关系，错误；由题干无法获知2016年的航旅市场交易总额以及连连支付所占份额，因此无法得到其2016年第二季度的交易额是否为0.58亿元，错误；已知2017年第二季度航旅市场交易总额为20亿元，按21%的增速可得2018年第二季度航旅市场交易总额为20（1+21%）=24.2亿元，各项支付方式所占份额不变，则2018年第二季度易宝支付在航旅市场的交易额约为24.214.60%3.53亿元，正确；不知道易宝支付和财付通交易额的增速无法判定2018年第二季度易宝支付在航旅市场的交易份额是否会超过财付通，错误。本题只有正确，故本题应选C。5.For the past 3, 000 years, when pcople thought of money they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved creased paper or clinking bits of metal.Over the past decade，however ，digital payments have taken off- tapping your plastic on a terminal or swiping a smartphone has become normal. Now this revolution is about to turn eash into an endangered specics in some rich cconomics. That will make the cconomy more efieicnt - -but it also poscs new problems that could hold the transition hostage.Countries are eliminating ceash at varying speeds. But the direction of travel is clear, and in some cases the joumey is nearly complete. In Sweden the number of retail cash transactions per person has fallen by 80% in the past ten years. Cash accounts for just 6% of purchases by value in Norway. Britain is probably four or six years behind the Nordic countries. America is perhaps a deeade behind. Outside the rich world, cash is still king. But even there its dominance is being croded. In China digital payments rose from 4% of all payments in 2012 to 34% in 2017.Cash is dying out beause of two forees. One is demand- younger consumers want payment systems that plug scamlessly into their digital lives. But equally important is that supplirs such as banks and tech firms (in developed markets) and telccoms companics (in emerging oncs) are developing fast, easy-to-use payment technologics from which they can pull data and pocket fees.There is a high cost to running the infrastructure behind the cash economy- ATMs， vans carrying notes, tellers who acept coins. Most financial firms are keen to abandonit, or deter old-fashioned customers with hefly fees.In the main，the prospect of a cashless economy is excellent news. Cash is inefficient. In rich countries, minting， sorting， storing and distributing it is cstimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments dematerialize, people and shops are less vulnerable to theft. Govermments can keep closer tabs on fraud or tax evasion.Digitalisation vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.Yet set against these benefts are a bundle of worries. Eleotronic payment systems may be vulnerable to technical failures power blackouts and cyber- atacks- this weck Capital One，an American bank, became the latest fim to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let govemments snoop on peoples shopping habits and private titans exploit their personal data.These problems have three remedies. First, govermments need to ensure that central banks monopoly over coins and notes is not replaced by private monopolies over digital money. Rather than ltting a few credil-card firms have a stranglehold on the eleetronic pipes for digital payments, as America may yet allow; gov emments must ensure the payments plumbing is open to a range of digital firms which can build services on top of it. They should urge banks to offer cheap,instant，bank-to-bank digital transfers between deposit accounts ，as in Sweden and the Netherlands. Competition should keep priccs low so that the poor can afford most services, and it should also mean that if one firm stumbles others can step in,. making the system resilient. Sccond, govemments should maintain banks obligation to keep customcr information private, so that the plumbing remains anonymous. Digital firms that use this plumbing to offer services should be free to monetise transaction data, through, for example, advertising， so long as their business model is made explicit to uscrs. Some customers will favour free services that track their purchases; others will want to pay to be left alonc.Last, the phasc-out of cash should be gradual. For a period of ten years, banks should be obliged to accept and distribute cash in populated areas. This will buy govermments time to help the poor open bank accounts, educate the elderly and beef up internet access in rural areas. The rush towards digital money is the result of spontaneous demand and innovation. To pocket all the rewards, govemments need to prepare for the day when erumpled bank noles change hands for the last time.According to Paragraph 2, which of the fllowing staterments is FALSE? ( )A.America has been left behind perthaps a decade comparing to Britain regarding the number of retail cash transactionB.The speeds of eliminating cash in several countries are differentC.The dominance of cash is being croded even in the non-rich areasD.There is a rise of numbers of digital payments in China form 2012 to 2017答案：A 本题解析：细节理解题。由第二段中“Britain is probably four or six years behind theNordic countries. America is perhaps a decade behind.”可知美国是相比于北欧国家或许落后了十年，不是比英国落后十年，所以答案选A.6.Questions refer to the following notice and billing statement. Estimated Bills Although we try to read your gas meter every month， there are times when we simply cannot. We may not be able to access it if there is no one at your home to let us in. Weather conditions sometimes make it unsafe for meter readers to do their job And meters do occasionally malfunction， making an accurate reading impossible When your meter is not actually read， you will receive an estimated bill. The estimate is based on weather trends and how much energy you have used in the past. When we are unable to get an actual meter reading， you will see the word “estimated” printed next to the meter reading on your bill. Estimates can be avoided if you send us a reading that you have taken yourself Here are two ways to help prevent an estimated bill. Call us with your meter reading at 18005551991. The best time to call is one day before your scheduled meterreading day. （Your meterreading date appears on page one of your Newtown Gas Company bill.） Go to our Web site at to send us your meter readingSend your reading at least one day before your scheduled meterreading day. If you use either of these two methods to provide us with your reading， you will see the words “customer reading” next to the reading on your bill. If your meter readings have been estimated for four straight months， you must call us with your meter reading NEWTOWN NATURAL GAS COMPANYSaurabh Khan Monthly statementMay80 Mount Street Account number 5252670Vancouver， Canada UsageMeter 1546774Account Summary Actual readingApril 20133 thermsPayment received April 30145.76 Customer readingMay 1949 thermsTotal amount due June 7 57.74 Average daily gas use （in therms） Please mail your payment to Newtown Natural Gas Company， P.O. Box 388， Vancouver， Canada Your next meter reading is scheduled for June 18.What did Mr. Khan do in May? （）A.He made an appointment for an actual readingB.He provided Newtown Gas with his meter readingC.He stayed at home on the scheduled meterreading dayD.He paid a bill based on an actual reading答案：B 本题解析：账单在“Customer reading”的一项中写着May 19，49 therms。“customer reading”是“客户自行抄表”，所以5月份时，是自行通知天然气公司抄表结果。make an appointment指“约定时间”。pay a bill是“付款”。7.The Savvy Shoppers”Let us take the Worry out of Shopping!”We all know how important dressing professionally can be.You want to project a certain image with your clothes, and that can vary widely based on what kind of an event or meeting you need to attend. Approachable, tough, stylish The options are endless, and it can beexhausting trying to find the right outfit for all of the jobs that you do!Meet the Savvy Shoppers!Our team of professional personal shoppers can make your busy life a little easier by giving you back the time and energy you had previously been wasting on shopping for office clothes.Trusted ProfessionalsWith extensive backgrounds in retail management, fashion design, and beauty consulting, our experiencedteam can put together a perfect wardrobe for any woman. Whether its the right power suit for a big presentation, boardroom-appropriate skirts, or a high heel that wont leave you limping, the Savvy Shoppers can help!The Savvy Shopping experienceIt begins with a private consultation in your home. Your shopper will look at your current wardrobe, talk to you about the work you do, and take your precise measurements. Once they begin shopping, Savvy Shoppers sends digital photos and price lists for items. You select what you want, and the items are delivered to your door with a free $20 tailoring coupon attached.Who is this advertisement likely targeting?A.Busy business menB.Stay-at-home parentsC.Working professional womenD.Chief Executive Officers答案：C 本题解析：暂无解析8.2017年末，全国收费公路里程16.37万公里，约占公路总里程的3.43%。其中，高速公路13.26万公里，一级公路2.07万公里，二级公路0.95万公里，独立桥梁及隧道883公里，占比分别为81.0%、12.6%、5.8%和0.5%。全国收费公路里程比上年末净减少7356公里。其中，高速公路净增加8130公里，一级公路、二级公路、独立桥梁及隧道分别净减少2846公里、12399公里、240公里。2017年末，全国收费公路共有主线收费站1338个，比上年末净减少237个。其中，高速公路759个，一级公路373个，二级公路143个，独立桥梁及隧道63个，占比分别为56.7%、27.9%、10.7%和4.7%。2017年末，全国收费公路累计建设投资总额82343.9亿元，较上年末净增加6486.4亿元，增长8.6%。其中，累计资本金投入25614.2亿元，资本金比例31.1%；累计债务性资金投入56729.8亿元，债务性资金比例68.9%。2017年末，全国收费公路债务余额52843.5亿元，比上年末增加4288.8亿元，增长8.8%。其中，年末银行贷款余额45674.2亿元。2017年度，全国收费公路通行费收入5130.2亿元，比上年增长12.8%；支出总额9156.7亿元，比上年增加465.0亿元，增长5.3%；通行费收支缺口4026.5亿元。2017年度支出总额中，偿还债务本金4952.8亿元，偿还债务利息2495.7亿元，养护支出533.9亿元，公路及附属设施改扩建工程支出153.7亿元，运营管理支出627.6亿元，税费支出359.9亿元，其他支出32.9亿元，占比分别为54.1%、27.3%、5.8%、1.7%、6.9%、3.9%和0.4%。2017年末，全国收费公路里程增长最慢的类型为（）A.高速公路B.一级公路C.二级公路D.独立桥梁及隧道答案：C 本题解析：第一步，本题考查增长率比较。第二步，定位第一、二段材料“高速公路13.26万公里，一级公路2.07万公里，二级公路0.95万公里，独立桥梁及隧道883公里”，“高速公路净增加8130公里，一级公路、二级公路、独立桥梁及隧道分别净减少2846公里、12399公里、240公里”。第三步，其中A选项为正增长，排除。故本题正确答案选C。9.随着人们文明祭奠亡者观念的变化，在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受的同时，网络祭扫作为f明环保祭奠亡者的方式之一，也悄然走进人们的生活。与传统祭扫形式相比，网上祭扫更为方便、快捷、也更加环保。人们只需轻点鼠标，就可以通过网上献花、点歌、燃蜡烛、写纪念文章等形式，表达对故去亲朋好友的思念。网上祭奠因其突破了传统祭奠方式的局限，更富个性而备受年轻人的青睐。这段话主要告诉我们（）A.绿色、环保的安葬亡灵方式以及网上祭扫被人们广泛采用B.网上祭扫与传统祭扫形式相比，优势更为明显C.人们通过新型绿色、环保的安葬亡灵方式，以及网络祭扫表达对故去亲朋好友的思念D.绿色、环保的安葬亡灵方式，网上祭奠备受年轻人的青睐答案：B 本题解析：A项中“在植树葬、草坪葬、海洋葬等新型绿色、环保的安葬亡灵方式被广泛接受”,并不是“广泛采用”；题干并不是强调对故去亲朋好友的思念，而重在各种方式的改变，C项错误；D项仅仅是题意的一部分，故选B项。10.A.见图AB.见图BC.见图CD.见图D答案：D 本题解析：第一个图形顺时针旋转90。后减去第二个图形，得到的图形再顺时针旋转90。得到第三个图形。11.商业银行最基本的职能是（）。A.支付中介B.信用创造C.货币创造D.信用中介答案：D 本题解析：商业银行的职能包括信用中介、支付中介和信用创造，其中信用中介是最基本的职能。12.如果甲产品是乙产品的需求交叉弹性系数是负数，则说明甲产品和乙产品（）。A.无关B.是替代品C.是互补品D.是缺乏价格弹性的答案：C 本题解析：暂无解析13.This hypothesis states that environments that are too clean may actually make the _ system develop oversensitive responses.A.mentalB.nervousC.immuneD.physical答案：C 本题解析：暂无解析14.PART : INCOMPLETE SENTENCESDirections: This part of the test has incomplete sentences. Four words or phrases, marked (A), (B), (C), (D), are given beneath each sentence. You are to choose the one word or phrase that best completes the sentence. Then, on your answer sheet, find the number of the question and mark your answer.Mr. Voorhies planned to send the dresser and bed that _ purchased in Bali to the Netherlands.A.heB.hisC.himD.himself答案：A 本题解析：that引导的是一个定语从句，从句缺少主语，应该填入人称代词的主格形式。故本题正确答案为A。15.打开坚冰的闸门，“哇”地一声，春水哭了为了一冬监禁的 _ ，也为着春来自由的_。春水，_地向前，以它新生的无比活力向前_，撞击。它把一块块巨大的冰凌举起来，摔下去，再举起，再摔下，直至摔成粉末，融在自己的怀抱里。填入划横线部分最恰当的是（）。A.憋屈 解放 勇往直前 奔跑B.委屈 释放 义无反顾 冲刺C.屈辱 解除 不顾一切 疾驰D.冤屈 散放 破釜沉舟 跳跃答案：B 本题解析：先看第二空，“自由的解除”与句意相悖，排除C。再看第三空，“勇往直前”的“前”与后文的“向前”语义重复。排除A。第四空中。“冲刺”与“撞击”衔接更紧密，故本题选B。16.由于存款业务量巨大，故存款合同一般采用（）。A.客户制订的格式合同B.客户与存款机构协商制订的格式合同C.存款机构制订的格式合同D.口头形式答案：C 本题解析：存款合同是指经营存款业务的金融机构(存款机构)与存款客户之间达成的权利义务关系的协议。存款合同一般采用存款机构制订的格式合同。其内容包括存款客户名称、地址、币种、金额、利率、存期、计息方式、密码等。17.单独完成一项工作，甲按规定时间可提前3天完成，乙则要超过规定时间5天才能完成。如果甲、乙合作3天后剩下的工作继续由乙单独做，那么刚好在规定时间里完成。甲、乙两人合作要几天完成?A.7B.8C.7.5D.6答案：C 本题解析：显然甲3天的工作量相当于乙5天的工作量。因此甲完成的天数：乙完成的天数=3：5。设甲完成工作需3x天，则乙需5x天，5x一3x=8，解之得x4，因此甲独立完成需要3x4=12天，乙需要5x4=20天。二18.Question 64-65 refer to the following information.Techno DatabaseManagement5197 Blackburn PikeSidney, B.C. Canada V8L5G1Stephanie Strickland, PresidentE-mail: stephTel: 468-298-9935/ Fax: 468-298-9934Techno Database Management provides data storage facilities for information technology and computer networking professional. For only $39.95 per month, subscribes may store up to 5000 gigabytes of data in an offline archive.TDM customer services include 24-hour technical support and free subscription to our online bimonthly newsletter, TDM news. Topics include ratings and reviews of current software and equipment, opinion articles, and a help wanted section directed toward information technology professionals.New customers who pay in advance for three months of offline service before July 30 will receive one month of the free data storage - thats nearly $180 value for just under $120! Call or e-mail today to set up your account.What is NOT featured in TDM News?A.Technical support questions and answersB.Discussions about computer equipmentC.Assessments of new softwareD.Job opportunities for computer technicians答案：A 本题解析：根据第二段第二句可知，TMD 客户服务部门将提供的服务主题有“软件和设备的评估和检查、评论文章和为信息技术专业人员设立的部门”。故BCD 说法正确，但不合题意。19.Why did Ms. Dorn write the letter?A.To describe her experiences to her familyB.To express her satisfaction with the companyC.To request a specific guide for a future tourD.To ask a question about the history of Egypt答案：D 本题解析：第一段第一句提到，在通过Mindful旅行社到埃及的旅行中度过了愉快的时间，后面的内容也提到旅行中满意的地方。20.下列对应不正确的是（）。A.上善若水孔子B.吾生也有涯，而知也无涯庄子C.我思故我在笛卡尔D.他人即地狱萨特答案：A 本题解析：A项错误，上善若水是老子作品中提到的，而不是孔子涉及的内容。BCD正确。故答案选A。21.The problems that you () have been brought to the attention of our housekeeping department. WhileA.have been mentionedB.mentionedC.mentionsD.mentioning答案：B 本题解析：暂无解析22.在新一轮没有硝烟的经济战场上，经济增长将主要依靠科技进步。而解剖中国科技创新结构，可以看出，在中国并不缺乏研究型大学、国家实验室，最缺乏的是企业参与的研究基地以及研究型企业。企业资助、共建、独资创立的科研机构，像美国的贝尔实验室，就是这种研究基地。这段文字的主旨是（ ）A.要充分发挥企业在科技创新中的重要作用B.中国不缺乏研究型大学，缺乏的是研究型企业C.加强企业参与的研究基地建设是中国经济腾飞的必经之路D.企业资助、共建、独资创立的科研机构是提高企业效益的关键答案：A 本题解析：题干的意思是中国的企业在参与科技创新中发挥的作用太小，应该充分发挥企业在科技创新中的重要作用。23.份对北方某县先天性心脏病患者的调查统计显示，大部分患者都出生在冬季。专家们指出，其原因很可能是那些临产的孕妇营养不良。因为在这一年最冷的季节中，人们很难买到新鲜的食品。以下哪项如果为真，能支持题干中专家的结论？（ ）A.调查中相当比例的患者有家族遗传病史B.在心脏病患者中，先天性心脏病只占很少的比例C.与引起心脏病有关的心血管区域的发展，大部分发生在产前一个月D.新鲜食品与腌制食品中的营养成分对心血管发育的影响相同答案：C 本题解析：强调支持。C项强调时间的对应，支持了题干中专家的结论。D是典型的反驳方式，不选。24.中国一所高校原有学生2000人，后与美国一所高校交换留学生，中国高校选出5%的学生 派往美国，同时美国高校也选出20%的学生派往中国，现在两所高校的在校生人数相同， 那么美国高校原有学生（ ）人。A.3600B.3000C.2800D.2500答案：B 本题解析：设美国高校原有学生人数为X人，根据题意可知：20002000X5%+20%x=（2000+x）+2，解得x=3000，即美国高校原有学生3000人。答案为B。25.如果人们工资增加，则增加的将是（）。A.货币的交易需求B.货币的投资需求C.货币的投机需求D.上述三方面需求中的任何一种答案：A 本题解析：交易性货币需求是居民和企业为了交易的目的而形成的对货币的需求居民和企业为了顺利进行交易活动就必须持有一定的货币量，交易性货币需求是由收入水平和利率水平共同作用的。所以随着工资增加人们收入水平提高，会增加交易性需求。26.下列运用成语“巧夺天工”正确的一项是（ ）。A.壶口瀑布形成了茫茫的冰道，奇形怪状的冰柱错落有致，浑然天成，好像巧夺天工的冰雕B.三峡各具特色，山有千姿，水呈百态，奇俊秀丽，巧夺天工C.翘首西望，海面托着的就是披着银发的苍山。苍山如屏，洱海如镜，真是巧夺天工D.贵州境内不仅分布着大量巧夺天工的自然景观，而且保存着多姿多彩的民族文化答案：A 本题解析：“巧夺天工”意为人工的精巧胜过天然，形容技艺十分巧妙，不能用来形容自然景观。四个选项中只有A项的“冰雕”为人工技艺，用“巧夺天工”形容正确，故本题答案为A。27.如果张辉投资甲项目 300万元，乙项目 150万元，甲项目有 2/3的概率亏损 15%，乙项目有 3/5的概率盈利 30%，2/5的概率不盈不亏，那么其此次投资可以盈利的概率为( )。A.1/3B.2/15C.4/5D.2/3答案：A 本题解析：暂无解析28.YU HUI, a boisterous four- year-old hiving in Shanghai s what marketing people call a digitalnative. Over a year ago, she started communicating with her parents using WeChat, a Chinese mobile-messaging service. She is too young to carry around a mobile phone. Instead she uses a Mon Mon, an internet-connected device that inks through the cloud to the WeChat app. The cuddly critter s rotund belly disguiscs a microphone, which YU Hui uscs to send rambling updatesand songs to her parents ,it lights up when she gets an incoming message back.Like most professionals on the mainland her mother uses what rather than e-mail to conduct much of her business. The app offers everything from free video calls and instant group chats to news updates and easy sharing of large multimedia files. It has a business-oriented chat service akin to Americas stack Yu Huis mother also uscs her smart phonc camera to scan the WeChat QR(quick response )codes of people she meets far more ofien these days than she exchanges businesscards. YU Huis father uses the app to shop online, to pay for goods at physical stores, settle utility bills and split dinner tabs with friends, just with a few taps. He can easily book and pay for axis,dumpling deliveries theatre tickets, hospital appointments and foreign holidays,all without ever leaving the Wechat universe.As one American venture capitalist puts it, Wechat is there at every point of your daily contact with the world, from morning until night.It is this status as a hub for all internet activity, and as a platform through which users find their way to other services, that inspires Silicon alley firms including Facebook to monitor wechat closely. They are right to cast an envious eye. People who divide their time between China and the West complain that leaving Wechat behind is akin to stepping back in time.What is NOT one of the functions of Wechat listed in paragraph 2?A.Split dinner bills with friendsB.News updatesC.Trans frring moneyD.Free video calls答案：B 本题解析：无参考答案29.5，10，26，65，145，（）A.197B.226C.257D.290答案：D 本题解析：其中，底数2、3、5、8、12、(17)构成二级等差数列。30.Social change is more likely to occur in societies w