2025年银行英语考试题型及答案

2025年银行英语考试题型及答案

一、填空题（每题2分，共20分）1.Theprimaryfunctionofacommercialbankisto__________moneyandprovidecreditfacilities.2.Acheckingaccountisalsoknownasa__________account.3.Theprocessofevaluatingthecreditworthinessofaborroweriscalled__________.4.TheFederalReserveSystemisthecentralbankingsystemof__________.5.Acertificateofdeposit(CD)isatypeof__________thatoffersafixedinterestrateforaspecifiedperiod.6.Theprincipalamountofaloanthatisrepaidattheendoftheloantermisknownasthe__________.7.Theinterestratechargedbyacentralbankonloanstocommercialbanksiscalledthe__________rate.8.Adebitcardisusedtomake__________transactionsfromabankaccount.9.Theprocessofdividingacompany'sprofitsamongitsshareholdersiscalled__________.10.Theriskthataborrowerwilldefaultonaloanisknownas__________risk.二、判断题（每题2分，共20分）1.Savingsaccountstypicallyofferhigherinterestratesthancheckingaccounts.(True/False)2.Abankdraftisacheckthatisguaranteedbythebank.(True/False)3.TheFederalDepositInsuranceCorporation(FDIC)insuresdepositsupto$250,000perdepositor.(True/False)4.Amortgageisatypeofloanusedtopurchaserealestate.(True/False)5.Theprimerateistheinterestratethatbankschargetheirmostcreditworthycustomers.(True/False)6.Acreditunionisafinancialinstitutionownedbyitsmembers.(True/False)7.Theterm"float"referstothetimebetweenwhenacheckiswrittenandwhenitisclearedbythebank.(True/False)8.Acertificateofdeposit(CD)isaliquidassetthatcanbewithdrawnatanytimewithoutpenalty.(True/False)9.Theprocessofmatchingdepositswithloansisknownasasset-liabilitymanagement.(True/False)10.TheBaselAccordsareinternationalagreementsthatsetstandardsforbankcapitaladequacyandriskmanagement.(True/False)三、选择题（每题2分，共20分）1.Whichofthefollowingisaprimaryfunctionofacommercialbank?a)Providinginvestmentadviceb)Acceptingdepositsc)Issuingstocksd)Managingmutualfunds2.Whatistheminimumbalancerequiredforacheckingaccount?a)$1,000b)$500c)$100d)Nominimumbalance3.Whichofthefollowingisatypeofloan?a)Savingsaccountb)Certificateofdepositc)Mortgaged)Checkingaccount4.Whatisthetermfortheinterestratechargedbyacentralbankonloanstocommercialbanks?a)Primerateb)Federalfundsratec)Mortgagerated)Discountrate5.Whichofthefollowingisariskassociatedwithlendingmoney?a)Interestrateriskb)Creditriskc)Liquidityriskd)Marketrisk6.Whatistheprocessofevaluatingthecreditworthinessofaborrowercalled?a)Underwritingb)Asset-liabilitymanagementc)Riskassessmentd)Liquiditymanagement7.Whichofthefollowingisatypeofsavingsinstrument?a)Checkingaccountb)Certificateofdepositc)Moneymarketaccountd)Savingsaccount8.Whatisthetermfortheprincipalamountofaloanthatisrepaidattheendoftheloanterm?a)Interestb)Principalc)Amortizationd)Discount9.Whichofthefollowingisafinancialinstitutionownedbyitsmembers?a)Bankb)Creditunionc)Investmentfirmd)Insurancecompany10.Whatisthetermforthetimebetweenwhenacheckiswrittenandwhenitisclearedbythebank?a)Floatb)Checkclearingc)Deposittimed)Interestperiod四、简答题（每题5分，共20分）1.Explaintheprimaryfunctionsofacommercialbank.2.Describetheprocessofevaluatingthecreditworthinessofaborrower.3.DiscusstheroleoftheFederalReserveSystemintheU.S.financialsystem.4.Explaintheconceptofasset-liabilitymanagementinbanking.五、讨论题（每题5分，共20分）1.Discusstheadvantagesanddisadvantagesofusingadebitcard.2.ExplaintheimpactoftheFederalDepositInsuranceCorporation(FDIC)onthebankingindustry.3.DiscusstheroleoftheprimerateintheU.S.economy.4.Analyzetherisksassociatedwithlendingmoneyinthebankingsector.答案和解析一、填空题答案1.lend2.demand3.creditanalysis4.theUnitedStates5.timedeposit6.principal7.discount8.electronic9.dividenddistribution10.credit二、判断题答案1.True2.True3.True4.True5.True6.True7.True8.False9.True10.True三、选择题答案1.b)Acceptingdeposits2.d)Nominimumbalance3.c)Mortgage4.d)Discountrate5.b)Creditrisk6.a)Underwriting7.b)Certificateofdeposit8.b)Principal9.b)Creditunion10.a)Float四、简答题答案1.Theprimaryfunctionsofacommercialbankincludeacceptingdeposits,providingloans,andfacilitatingpayments.Commercialbanksalsooffervariousfinancialservicessuchaswealthmanagement,investmentadvice,andcreditcardservices.Theyplayacrucialroleintheeconomybychannelingfundsfromsaverstoborrowers,therebypromotingeconomicgrowth.2.Evaluatingthecreditworthinessofaborrowerinvolvesassessingtheirabilityandwillingnesstorepayaloan.Bankstypicallyreviewtheborrower'scredithistory,income,andassets.Theyalsoanalyzethepurposeoftheloanandthecollateral,ifany.Thisprocesshelpsbanksdeterminetheriskassociatedwithlendingtoaparticularborroweranddecidewhethertoapprovetheloanandatwhatinterestrate.3.TheFederalReserveSystem,oftenreferredtoastheFed,isthecentralbankingsystemoftheUnitedStates.Itwasestablishedin1913toprovidethenationwithasafer,moreflexible,andmorestablefinancialandmonetarysystem.TheFed'sprimaryresponsibilitiesincludeconductingmonetarypolicy,supervisingandregulatingbanks,maintainingfinancialstability,andprovidingfinancialservicestotheU.S.government.4.Asset-liabilitymanagementistheprocessofmanagingabank'sassetsandliabilitiestoensureprofitabilityandstability.Banksmustbalancetheinterestincomegeneratedfromtheirassetswiththeinterestpaidontheirliabilities.Effectiveasset-liabilitymanagementinvolvesmatchingthematuritydatesofassetsandliabilities,managinginterestraterisk,andensuringadequateliquiditytomeetcustomerdemands.五、讨论题答案1.Theadvantagesofusingadebitcardincludeeasyaccesstofunds,nointerestchargesifusedresponsibly,andtheabilitytomakepurchasesonlineandin-store.However,disadvantagesincludetheriskoffraudandtheft,potentialoverdraftfees,andthelackofacredit-buildinghistoryifnotusedcarefully.2.TheFederalDepositInsuranceCorporation(FDIC)providesinsurancefordepositsupto$250,000perdepositor,whichhelpstomaintainpublicconfidenceinthebankingsystem.Byinsuringdeposits,theFDICreducestheriskofbankrunsandpromotesfinancialstability.However,italsocreatesmoralhazard,asdepositorsmaytakeonmoreriskknowingtheirdepositsareinsured.3.Theprimerateisakeyinterestratethatbankschargetheirmostcreditworthycustomers.Itinfluencesotherinterestrates,suchasthoseformortgages,creditcards,and