安徽现代信息工程职业学院《金融英语》2025-2026学年期末试卷

安徽现代信息工程职业学院《金融英语》2025-2026学年期末试卷一、单项选择题（本大题共10小题，每小题2分，共20分）

1.Inthecontextofinternationalfinance,whatistheprimarypurposeoftheForeignExchangeMarket?

A.Toregulatedomesticmonetarypolicy

B.Tofacilitatecross-bordertradeandinvestment

C.Tocontrolinflationwithinacountry

D.Tocentralizeglobalfinancialresources

2.WhichofthefollowingisakeycharacteristicofIslamicbanking?

A.Interest-basedlendingpractices

B.Prohibitionofalcohol-relatedinvestments

C.Emphasisonprofit-sharingandrisk-sharing

D.Mandatoryinvestmentinnon-financialsectors

3.Whatdoestheterm"capitaladequacyratio"refertoinbanking?

A.Theratioofnon-performingloanstototalassets

B.Theproportionofabank'scapitaltoitsrisk-weightedassets

C.Thefrequencyofquarterlyfinancialaudits

D.Theliquidityratioofabank'sshort-termassets

4.Intherealmofinvestment,whatisthemainriskassociatedwithstocks?

A.Inflationrisk

B.Marketvolatility

C.Interestraterisk

D.Liquidityrisk

5.Whichfinancialinstrumentistypicallyusedforshort-termborrowingbygovernments?

A.Treasurybonds

B.Commercialpaper

C.Municipalbonds

D.Corporatebonds

6.Whatistheprimaryfunctionofacentralbankinacountry'seconomy?

A.Tomaximizecorporateprofits

B.Toregulatethecommercialbankingsector

C.Tomanagethecountry'sforeignreserves

D.Tooverseethestockmarketoperations

7.Inthecontextofportfoliomanagement,whatistheprincipleofdiversification?

A.Investingallfundsinasinglehigh-yieldasset

B.Concentratinginvestmentsinoneindustry

C.Spreadinginvestmentsacrossvariousassetclassestoreducerisk

D.Increasingexposuretohigh-risk,high-rewardstocks

8.Whatdoestheterm"hedging"meaninfinancialmarkets?

A.Takingaspeculativepositioninthemarket

B.Reducingfinancialriskbyusingderivatives

C.Increasingleveragetoamplifyreturns

D.Withdrawinginvestmentstoavoidlosses

9.Whichofthefollowingisakeyfeatureofmutualfunds?

A.Fixedinterestratesfortheentireinvestmentperiod

B.Directownershipofunderlyingassets

C.Professionalmanagementanddiversification

D.Highminimuminvestmentrequirements

10.Whatistheprimarypurposeofafinancialaudit?

A.Tomaximizeshareholderreturns

B.Toensurecompliancewithregulatorystandards

C.Topredictfuturemarkettrends

D.Todeterminethefairmarketvalueofassets

二、多项选择题（本大题共5小题，每小题2分，共10分）

1.Whichofthefollowingarecommontoolsusedinfinancialanalysis?

A.Ratioanalysis

B.Cashflowprojections

C.Break-evenanalysis

D.Economicindicators

2.Whataretheprimaryfunctionsofthemoneymarket?

A.Facilitatingshort-termborrowingandlending

B.Providinglong-terminvestmentopportunities

C.Regulatinginterestrates

D.Managingforeignexchangereserves

3.Whichofthefollowingareconsideredfixed-incomesecurities?

A.Stocks

B.Bonds

C.Certificatesofdeposit

D.Mutualfunds

4.Whatarethekeycomponentsofacentralbank'smonetarypolicy?

A.Openmarketoperations

B.Reserverequirements

C.Discountrateadjustments

D.Capitaladequacyregulations

5.Whichofthefollowingarecommonrisksassociatedwithinternationalfinance?

A.Exchangeratevolatility

B.Politicalinstability

C.Creditrisk

D.Interestratedifferentials

三、判断题（本大题共10小题，每小题2分，共20分）

1.Theprimarygoaloffinancialmanagementistomaximizeshareholderwealth.

2.Afinancialderivativeisacontractwhosevalueisderivedfromanunderlyingasset.

3.Inflationerodesthepurchasingpowerofmoneyovertime.

4.Ahedgefundisatypeofinvestmentfundthatpoolscapitalfromaccreditedinvestors.

5.TheBaselAccordsareasetofinternationalregulationsforbankingsupervision.

6.Theterm"liquidity"referstotheeasewithwhichanassetcanbeconvertedintocash.

7.Amutualfundisatypeofinvestmentthatallowsindividualinvestorstopooltheirresources.

8.Theforeignexchangemarketoperates24hoursaday,fivedaysaweek.

9.Abondisadebtinstrumentthatpaysperiodicinterestpaymentstothebondholder.

10.Theprimarypurposeofafinancialauditistoensuretheaccuracyoffinancialstatements.

四、材料分析题（本大题共2小题，共30分）

Material1:

TheFederalReserverecentlyannouncedaseriesofinterestratehikestocombatinflation.Thisdecisionhasledtoincreasedborrowingcostsforbusinessesandconsumers.TheFed'sactionsarepartofitsbroadermonetarypolicyaimedatstabilizingtheeconomy.However,someeconomistsarguethattheratehikesmayslowdowneconomicgrowthandleadtohigherunemployment.

Material2:

AmajorEuropeanbankhasreportedasignificantincreaseinitsnon-performingloans(NPLs)duetorisingeconomicuncertainty.Thebank'smanagementhasstatedthattheyaretakingstepstoimprovetheirriskmanagementpracticesandreduceexposuretohigh-riskborrowers.Despitetheseefforts,investorsremainconcernedaboutthebank'slong-termfinancialstability.

1.AnalyzethepotentialimpactsoftheFederalReserve'sinterestratehikesontheU.S.economy.Discussboththepositiveandnegativeconsequencesofthispolicydecision.(15分)

2.EvaluatethechallengesfacedbytheEuropeanbankinmanagingitsnon-performingloans.Suggestpossiblestrategiesthebankcouldimplementtomitigatetheserisks.(15分)

五、论述题（本大题共1小题，共30分）

Material1:

Inrecentyears,theriseoffintechcompanieshasdisruptedtraditionalfinancialservices.Thesecompaniesleveragetechnologytoofferinnovativesolutionsinareassuchasmobilepayments,peer-to-peerlending,androbo-advising.Whilefintechhasbroughtseveralbenefits,suchasincreasedaccessibilityandefficiency,ithasalsoraisedconcernsaboutregulatoryoversightandconsumerprotection.

Material2:

Theglobalfinancialcrisisof2008highlightedtheimportanceoffinancialregulationinpreventingsystemicris