2025年农业银行考试英语笔试题及答案

2025年农业银行考试英语笔试题及答案

一、单项选择题（总共10题，每题2分）1.Whatisthemainpurposeofthebankingsystem?A.ToprovideloanstoindividualsandbusinessesB.ToregulatethemoneysupplyintheeconomyC.TofacilitatetheexchangeofgoodsandservicesD.Tocollecttaxesforthegovernment2.Whichofthefollowingisacharacteristicofacommercialbank?A.ItprimarilydealswithinvestmentsandsecuritiesB.ItfocusesonprovidingloanstothegovernmentC.ItofferscheckingandsavingsaccountstothepublicD.Itspecializesinprovidinginsurancepolicies3.Whatistheroleofthecentralbankinacountry'seconomy?A.ToregulatethestockmarketB.TocontrolthemoneysupplyandinterestratesC.TomanagetheforeignexchangereservesD.Tooverseetheoperationsofcommercialbanks4.Whichfinancialinstrumentiscommonlyusedforshort-termborrowing?A.BondsB.StocksC.CertificatesofDepositD.CommercialPaper5.Whatistheprimaryfunctionofacheckingaccount?A.ToearninterestonsavingsB.TofacilitatetransactionsandpaymentsC.ToprovideasafeplaceforstoringcashD.Toinvestinstocksandbonds6.Whichofthefollowingisatypeofdebitcard?A.CreditCardB.PrepaidCardC.GiftCardD.ChargeCard7.Whatisthetermfortheprocessofcheckingthecreditworthinessofaborrower?A.UnderwritingB.SecuritizationC.DerivativesTradingD.AssetLiabilityManagement8.Whichofthefollowingisariskassociatedwithinvestinginstocks?A.InterestrateriskB.LiquidityriskC.InflationriskD.Creditrisk9.Whatisthepurposeofasavingsaccount?A.ToprovideahighreturnoninvestmentB.TofacilitatedailytransactionsC.ToearninterestondepositedmoneyD.Toprovideasafeplaceforstoringcash10.Whichofthefollowingisameasureofacountry'seconomicperformance?A.GrossDomesticProduct(GDP)B.ConsumerPriceIndex(CPI)C.UnemploymentRateD.InterestRate二、填空题（总共10题，每题2分）1.Theprocessofevaluatingthecreditworthinessofaborroweriscalled________.2.Afinancialinstrumentthatrepresentsownershipinacompanyiscalled________.3.Therateatwhichthecentralbanklendsmoneytocommercialbanksiscalled________.4.Thepracticeofinvestinginadiversifiedportfoliotoreduceriskiscalled________.5.Thevalueofacurrencyinrelationtoothercurrenciesiscalled________.6.Theprocessofconvertingassetsintoastreamofcashflowsiscalled________.7.Theriskthataninvestmentwilllosevalueduetochangesininterestratesiscalled________.8.Theamountofmoneythatabankkeepsonhandtomeetcustomerwithdrawalsiscalled________.9.Therateatwhichacountry'sinflationisincreasingiscalled________.10.Theprocessofcombiningapoolofassetsandsellingsharesinittoinvestorsiscalled________.三、判断题（总共10题，每题2分）1.Commercialbanksareprimarilyresponsibleforprovidingloanstothegovernment.2.Thecentralbankisresponsibleforregulatingthestockmarket.3.CertificatesofDepositarecommonlyusedforshort-termborrowing.4.Checkingaccountsearninterestonthedepositedmoney.5.Debitcardsareatypeofcreditcard.6.Underwritingistheprocessofcheckingthecreditworthinessofaborrower.7.Investinginstocksisassociatedwithliquidityrisk.8.Savingsaccountsareusedtofacilitatedailytransactions.9.GrossDomesticProduct(GDP)isameasureofacountry'seconomicperformance.10.Securitizationistheprocessofcombiningapoolofassetsandsellingsharesinittoinvestors.四、简答题（总共4题，每题5分）1.Whataretheprimaryfunctionsofacommercialbank?2.Explaintheroleofthecentralbankinacountry'seconomy.3.Describetherisksassociatedwithinvestinginstocks.4.Whatisthepurposeofasavingsaccount?五、讨论题（总共4题，每题5分）1.Discusstheimportanceofdiversificationininvestmentportfolios.2.Explainhowinflationaffectstheeconomyandindividuals.3.Discusstheroleofthecentralbankinmanagingacountry'smoneysupply.4.Discusstheadvantagesanddisadvantagesofusingdebitcards.答案和解析一、单项选择题答案1.C2.C3.B4.D5.B6.B7.A8.B9.C10.A二、填空题答案1.Underwriting2.Stocks3.DiscountRate4.Diversification5.ExchangeRate6.Securitization7.InterestRateRisk8.CashReserve9.InflationRate10.Securitization三、判断题答案1.False2.False3.False4.False5.False6.True7.False8.False9.True10.True四、简答题答案1.Theprimaryfunctionsofacommercialbankincludeacceptingdeposits,providingloans,facilitatingtransactions,andofferingvariousfinancialservicestoindividualsandbusinesses.2.Thecentralbankplaysacrucialroleinacountry'seconomybycontrollingthemoneysupply,settinginterestrates,regulatingcommercialbanks,andmanagingforeignexchangereserves.3.Therisksassociatedwithinvestinginstocksincludemarketrisk,liquidityrisk,andcreditrisk.Marketriskreferstothepossibilityofthestockpricedecliningduetomarketconditions,liquidityriskistheriskofnotbeingabletosellthestockquickly,andcreditriskistheriskthatthecompanyissuingthestockmaydefaultonitsobligations.4.Thepurposeofasavingsaccountistoprovideindividualswithasafeplacetostoretheirmoneywhileearninginterestonthedepositedamount.Itallowsindividualstosaveforfutureexpensesandgoalswhilemaintainingeasyaccesstotheirfunds.五、讨论题答案1.Diversificationisimportantininvestmentportfoliosbecauseithelpstoreduceriskbyspreadinginvestmentsacrossdifferentassets,sectors,andgeographies.Bydiversifying,investorscanminimizetheimpactofanysingleinvestmentperformingpoorly,thusprotectingtheiroverallportfolio.2.Inflationaffectstheeconomybyreducingthepurchasingpowerofmoney,leadingtohigherpricesforgoodsandservices.Itcanerodethevalueofsavingsandinvestments,impactconsumerspending,andaffectbusinesses'profitability.Individualsmayfacechallengesinmaintainingtheirstandardofliving,and