2021年中国邮政储蓄银行秋季校园招聘考试试题

Because of their size IKEA’s stores are situated on city outskirts, far from regular restaurants. It took time to get there and shop and as Ingvar Kampar, IKEA’s founder realized, “it’s difficult to do business with someone on an empty stomach”. The idea behind offering food options was that once you feed customers they stay for longer. They make decisions about purchases over food without leaving the store.

At first IKEA opened a self-service cafeteria food, it was priced cheap, and the simple, functional-yet-tasty menu was another way to, literally, imbibe the IKEA philosophy. Today around 30 percent of its visitors only come for the food, and IKEA is apparently considering opening dedicated restaurants.

IKEA customers have been surprised by the new food concept IKEA is offering. The brand worked on their attributions by applying the same principles of "democratic design" to the menu as well and emphasized on sustainability, low prices, high quality and elegant form.

Not only did their restaurant business take off full swing, IKEA also gradually became Sweden's largest exporter of “lingonberries”.

However,the Swedish giant's most popular offering is their meatballs that have earned the moniker of 'the best sofa-seller'. They offer variations of their meatballs across all their global restaurants. The usual fare at IKEA restaurants consist of meat and seafood and fish dishes, vegetables and side dishes, beverages, sauces, dairy products, pastries and cookies, snacks, chocolates and candies.

The company now serves more than 650 million dinars in more than 50 countries. In countries like the US, IKEA restaurants are quite popular and are preferred by many customers as they are considered better than many family-dining options.

So, while IKEA sells furniture, they do so with a little bit of innovation and a whole lot of food.

26、Why is this furniture-maker selling food?（    ）

A、Because IKEA is using their food service department to reinforce low price profile on items in the rest of the store.

B、Because IKEA wants to provide better service to customers so that they can have a place to rest and eat when buying furniture.

C、Because IKEA wants to do some innovation in their industry expansion.

D、Because IKEA wants to substantially increase the turnover through the catering business.

27、Which of the following statement about IKEA's restaurant is not true according to the passage?（    ）

A、Nowadays,  of IKEA’s customers visit for food.

B、IKEA provides cheaper and more distinctive food.

C、They adopt the same business mindset in the food and furniture industries.

D、IKEA is selling food items at a loss.

28、What is IKEA’s main business?（    ）

A、Decoration design

B、Restaurant

C、Food market

D、Furniture selling

29、Which kind of food is most popular in IKEA’s restaurant?（    ）

A、Dairies

B、Ling on berries

C、Meatballs

D、Hotdogs

30、What does “take off full swing" mean in the passage?（    ）

A、Growing vigorously

B、Becoming popular

C、Making more profit

D、Providing more variety of food

31、国务院银行监督管理机构监督银行业金融机构，那么监督银行业监督管理机构活动的是（    ）。

A、最高人民法院

B、全国人民代表大会常务委员会

C、公安部

D、国务院审计检察机关

32、对于商业银行来说，头寸指的是（    ）。

A、放款额与存款额的差值

B、看待货币市场的态度

C、每日结算收入与支出后的资金

D、对待利率变动方向的策略

33、以下关于不良贷款指标的说法错误的是（    ）。

A、及时分析各类贷款风险预警信号是提前和预防识别不良贷款的重要且有效手段

B、贷款迁徙率反映贷款风险分类变化情况是重要的时期性指标

C、贷款集中度指标是不良贷款的相关指标之一，反映信贷资产的质量

D、不良贷款率是时点性指标，是全部不良类贷款与全部贷款余额的比值

34、缺口分析和久期分析是计量以下哪种风险的常用方法（    ）。

A、市场风险

B、操作风险

C、信用风险

D、流动性风险

35、商业银行的业务性质要求其必须维持存款人、贷款人和整个市场的信心，因此从这个意义上讲，以下哪个风险对于商业银行经济价值构成最大的威胁（    ）。

A、声誉

B、信用

C、操作

D、市场

36、以下（    ）项不属于商业银行展业三原则。

A、了解你的客户

B、尽职调查

C、了解你的优势

D、了解你的业务

37、下列各项中，属于商业银行发放的普惠型消费贷款的是（    ）。

A、信用卡投资

B、校园消费贷款

C、汽车消费贷款

D、住房按揭贷款

38、一般来说，商业银行采用（    ）的模式。更加适应金融创新的组织结构和分工协作要求。

A、流程银行

B、矩阵式组织架构

C、交易银行

D、部门银行

39、甲乙丙丁四家商业银行的现金漏损率依次提高，在不考虑其他因素时，哪家银行创造派生存款货币的能力更强（    ）。

A、丙

B、丁

C、乙

D、甲

40、商业银行申请采用内部评级法计量信用风险加权资产。内部评级法资产覆盖率应在三年内达到（    ）。

A、60%

B、70%

C、80%

D、50%

41、下列票据结算方式与出票人对应不正确的是（    ）。

A、银行承兑汇票——付款人银行

B、支票——付款人银行

C、银行汇票——付款人银行

D、银行本票——付款人银行