2022年中国建设银行秋季校园招聘考试试题

Yet post-financial-crisis rules make this cash pile a problem, not a victory. Big banks face high capital requirements if they grow too large. The penalties would be worthwhile if there were enough profitable opportunities. But loan demand has been low. System-wide loan-to-deposit ratios have plummeted, from 94% in 2008 to 64% last year. The result is that some banks are attempting to shoo away deposits. Jamie Dimon, JPMorgan's boss, told investors that the bank had asked some of its big corporate customers to move their cash, reducing the deposit base by $200bon. The firm may “shy away from taking new deposits”, said Jennifer Piepszak, its chief financial officer. The covid-19 crisis has shown the resilience of the financial system. But it has also revealed its oddities.

156、Which of the following statements regarding the profit of banks is TRUE according to paragraph one（    ）。

A、The economic situation does not affect the banks' profits at all.

B、Banks' profits are only increasing through January 15th to 20th.

C、Banks' profits of the fourth-quarter are actually increasing as the earnings released.

D、Because of covid-19 epidemic, the summer and winter this year saw an on-going slender of economic as well as profits of banks.

157、Which of the following statements could be an evidence to support the opinion in paragraph two（    ）。

A、Goldman Sachs only had a few profits in the fourth quarter of the year.

B、The fourth quarter's profits of Goldman Sachs count for little comparing to its profits through the year.

C、The Goldman Sach's total earnings in the fourth quarter were a record through its history.

D、The prosperous trading and investment banking business contribute a lot to the profits of banks.

158、Which of the following words is the most suitable one to replace the word “bonanza” in the first sentence of paragraph four （    ）。

A、prize

B、courage

C、wealth

D、greatness

159、According to paragraph five, which of the following statementsis false （    ）。

A、Banks are usually likely to amass deposits

B、Monetary easing by the Federal Reserve in the past year has injected vast amounts of cash into the banking system.

C、The amount of money is always an embarrassment to the banking systems.

D、Banks' deposits are necessary for its sources of funding and lending.

160、What is the incorrect understanding according to the author's opinion in the last paragraph（    ）。

A、Some banks are trying to cut their deposits due to the decrease of loan-to-deposit ratios in the banking system.

B、The covid-19 crisis has shown that the financial system is truly fragile.

C、Some big corporate customers of JPMorgan are asked to move their cash.

D、Big banks face high capital requirements if they grow too large, but the compensation of large capital is not worthwhile comparing to the profitable opportunities it had brought.

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