2020年中国工商银行秋季招聘笔试试题

II. More targeted services were provided for the real economy.

First, ICBC adhered to steady and balanced credit lending. In the first half of 2019, domestic RMB loans increased by RMB851.3 billion. Non-credit financing and investment in local government bonds increased by RMB450.7 billion.

Second, ICBC focused on the needs of key projects related to national welfare and people’s livelihood. Loans to domestic projects increased by RMB253.7 billion year to date, accounting for of the new corporate loans.

Third, ICBC focused on the efficiency and quality improvement of inclusive finance development. Inclusive finance loans for small and micro businesses increased by RMB130.1 billion from the year beginning, with a growth rate above. The interest rates of newly issued inclusive finance loans were low in the market. Loans to private enterprises rose by RMB134 billion or  over the beginning of the year. Loans for targeted poverty alleviation rose by RMB18.4 billion or compared with early 2019、Fourth, ICBC focused on supply-side structural reform and new growth drivers. Loans to state-of-the-art manufacturing sector rose by RMB47 billion year to date. The balance of loans to domestic manufacturing reached RMB1.43 trillion, leading the banking sector. Loans to the service sector increased by RMB54 billion, mainly covering health, education, senior care and culture industry. The ICBC was among the first batch of financial companies to issue mutual funds of Science and Technology Innovation Board, in order to better serve "Innovation and Entrepreneurship" and technical innovation.

III. Business vitality and market competitiveness continued to improve.

First, ICBC thoroughly implemented the strategy of "serving the broadest customer base". In the first half of 2019, total number of individual customers hit 627 million. Personal mobile banking users grew more than 20 million year to date to 333 million. Corporate settlement accounts rose to 8.98 million. Relying on customer base and better service, customer deposits rallied RMB1.72 trillion, topping the market.

Second, ICBC further expanded the new driving forces for growth. Contribution of "Mega Retail" business to operating income continued to grow. The bank steadily pressed ahead with asset management business transformation, and incomes from emerging businesses such as investment banking, syndicated loans, bond underwriting and account transactions grew rapidly. In the first half of 2019, domestic bonds in which ICBC acted as a leading underwriter amounted to RMB728.3 billion, maintaining the leading position in the market.

Third, ICBC further promoted integration of technology and business. ICBC sped up the implementation of the two innovation projects, namely the ECOS and e-ICBC 3.0. ICBC launched a number of new products and services (such as Happy Life Version of mobile banking) for middle-aged and elderly customers. It created more than 1,000 high-quality service scenarios, covering production and operation, consumption, service and other major areas, and serving hundreds of millions of users. By the end of June, the number of internet finance customers reached 460 million. In the first half of 2019, online financial transactions amounted to around RMB311 trillion, accounting forof total transactions in the sector.

135、In the half of 2019, ICBC recorded operating income with an annual increase of （    ）.

A、9.1%

B、9.9%

C、11.7%

D、5%

136、In the first half of 2019.ICBC had a total of （    ） credit and non-credit financing and investment.

A、RMB 450.7 billion.

B、RMB 851.3 billion.

C、RMB 1302 billion.

D、RMB 253.7 billion.

137、According to the report, what was the amount of ICBC's inclusive finance for small and micro businesses last year?（    )

A、RMB134 billion

B、RMB130.1 billion

C、RMB124.54 billion

D、RMB92.93 billion

138、Which of the following had the greatest growth of loans provided by ICBC?（    ）

A、The science and technology sector.

B、Domestic manufacturing sector.

C、State-of-the-art manufacturing sector.

D、The service sector.

139、In the first half of 2019, ICBC held a leading position in the market EXCEPT （    ）.

A、Risk control projects

B、Customer deposits

C、Online financial transactions

D、Domestic bonds

材料

Industrial and Commercial Bank of China (‘ICBC’ of the ‘Bank’) was established on 1 January 1984. On 28 October 2005, the Bank was wholly restructured to a    1    limited company. On 27 October 2006, the Bank was successfully listed on both Shanghai Stock Exchange and The Stock Exchange of Hong Kong Limited. Through its continuous endeavor and stable development, the Bank has developed into the leading bank in the world, possessing an excellent customer base, a diversified business structure, strong innovation capabilities and market competitiveness. The Bank regards    2    as the very foundation to seek further development and adheres to creating value through services while providing a comprehensive range of financial products and services to 7,033 thousand corporate customers and 607 million personal customers. The Bank has been consciously integrating the   3    3with its development strategy and operation and management activities, and gaining wide recognition in the aspects of promoting inclusive finance, supporting targeted poverty relief, protecting environment and resources and participating in public welfare undertakings.

The Bank always keeps in mind its underlying mission of serving the     4    4with its principal business, and along with the real economy it prospers, suffers and grows. Taking a risk-based approach and never overstepping the bottom line, it constantly enhances its capability of controlling and mitigating risks. Besides, the Bank remains steadfast in understanding and following the business rules of   5    to strive to be a century-old bank. It also stays committed to seeking progress with innovation while maintaining stability, continuously enhances the strategy of mega retail, mega asset management, mega investment banking as well as international and comprehensive development, and actively embraces the internet. The Bank unswervingly delivers specialized services, and pioneers a specialized business model, thus making it “a craftsman in large banking”.

140、填入第1空最恰当的一项是（    ）。

A、shock

B、private

C、liability

D、joint-stock

141、填入第2空最恰当的一项是（    ）。

A、reform

B、service

C、products

D、customer

142、填入第3空最恰当的一项是（    ）。

A、technical innovation

B、social responsibilities

C、sustainable operations

D、international competitiveness

143、填入第4空最恰当的一项是（    ）。

A、market

B、customers

C、enterprises

D、real economy

144、填入第5空最恰当的一项是（    ）。

A、central banks

B、private banks

C、investment banks

D、commercial banks

材料

Industrial and Commercial Bank of China Limited (“ICBC” or “the Bank”) announced its interim results today for this year. In accordance with the International Financial Reporting Standards, ICBC posted a pre-provision profit of RMB239.5 billion for the first half of this year, representing a growth of  from the same period last year. After making a provision of RMB44.4 billion, the Bank realized a net profit of RMB150.7 billion, up  over the corresponding period of the preceding year.