厦门医学院《金融英语》2025-2026学年期末试卷

厦门医学院《金融英语》2025-2026学年期末试卷厦门医学院《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.Theprimaryfunctionofthecentralbankinamoderneconomyisto（）.

A.MaximizecorporateprofitsB.RegulatecommercialbanksC.ControlthenationalbudgetD.Directforeigninvestment

2.Afinancialderivativeisafinancialinstrumentwhosevalueisderivedfrom（）.

A.TheperformanceofanunderlyingassetB.TheinterestratesetbythecentralbankC.TheinflationrateforecastD.Thecreditratingofacompany

3.Theprocessofbuyingandsellingassetsoverashortperiodtoprofitfromsmallpricemovementsisknownas（）.

A.Long-terminvestmentB.Short-termtradingC.CapitalbudgetingD.Costaccounting

4.Inthecontextofinternationalfinance,theterm"hedging"refersto（）.

A.IncreasingexposuretoforeigncurrencyriskB.ReducingexposuretoforeigncurrencyriskC.InvestinginforeignstocksD.Borrowinginforeigncurrency

5.TheBaselAccordsareasetofrecommendationsforbankingregulationintendedtoincreasethestabilityandtransparencyoftheglobalbankingsystem.WhichofthefollowingisakeyobjectiveoftheBaselAccords?

A.TomaximizetheprofitabilityofbanksB.TominimizetheregulatoryburdenonbanksC.ToensurethesolvencyandliquidityofbanksD.Toencouragecompetitionamongbanks

6.Abondwithafixedinterestrateandamaturitydateofmorethantenyearsistypicallyclassifiedasa（）.

A.Short-termbondB.Medium-termbondC.Long-termbondD.High-yieldbond

7.Theconceptof"timevalueofmoney"infinancesuggeststhat（）.

A.AdollartodayisworthmorethanadollarinthefutureB.AdollarinthefutureisworthmorethanadollartodayC.ThevalueofmoneyisconstantovertimeD.Moneydoesnothaveanyintrinsicvalue

8.Thestockmarketindexthatmeasurestheperformanceofalargenumberofcompanieslistedonaparticularstockexchangeisknownas（）.

A.AsectorindexB.AmarketindexC.AmutualfundD.Anexchange-tradedfund

9.Inthecontextoffinancialplanning,theprocessofsettingfinancialgoalsanddevelopingstrategiestoachievethemisknownas（）.

A.FinancialanalysisB.FinancialplanningC.InvestmentmanagementD.Riskassessment

10.Theterm"liquidity"infinancereferstotheeasewithwhichanassetcanbeconvertedintocashwithoutaffectingitsmarketprice.Whichofthefollowingassetsisgenerallyconsideredthemostliquid?

A.RealestateB.StocksC.BondsD.Cash

二、多项选择题（本大题共5小题，每小题2分，共10分）

1.Themaincomponentsofacompany'sbalancesheetinclude（）.

A.AssetsB.LiabilitiesC.EquityD.Revenue

2.Thefollowingareexamplesoffinancialrisksfacedbybusinesses:（）.

A.MarketriskB.CreditriskC.OperationalriskD.Liquidityrisk

3.Theprocessofraisingcapitalbysellingsharesofacompanytothepublicisknownas（）.

A.Initialpublicoffering(IPO)B.PrivateplacementC.DebtfinancingD.Equityfinancing

4.Thekeyprinciplesofeffectivefinancialmanagementinclude（）.

A.DiversificationB.RiskmanagementC.CostcontrolD.Profitmaximization

5.Thefollowingarecommonfinancialratiosusedtoevaluateacompany'sfinancialperformance:（）.

A.Returnonequity(ROE)B.Debt-to-equityratioC.CurrentratioD.Grossprofitmargin

三、判断题（本大题共10小题，每小题2分，共20分）

1.Amutualfundisatypeofinvestmentvehiclethatpoolsmoneyfrommultipleinvestorstoinvestinadiversifiedportfolioofstocks,bonds,orothersecurities.Trueorfalse?

2.Theterm"compoundinterest"referstotheinterestearnedonboththeprincipalamountandtheaccumulatedinterestovertime.Trueorfalse?

3.Acompany'scashflowstatementprovidesinformationaboutitsprofitability,liquidity,andsolvency.Trueorfalse?

4.TheFederalReserveSystemisthecentralbankingsystemoftheUnitedStates.Trueorfalse?

5.Theprocessofbuyinganassetatalowpriceandsellingitatahigherpricetomakeaprofitisknownasspeculation.Trueorfalse?

6.Theterm"leverage"infinancereferstotheuseofborrowedfundstoincreasethepotentialreturnonaninvestment.Trueorfalse?

7.Astockthatisexpectedtoperformpoorlyinthefutureisoftenreferredtoasa"pennystock."Trueorfalse?

8.Theconceptof"agencyproblem"infinancereferstotheconflictofinterestbetweenthemanagementofacompanyanditsshareholders.Trueorfalse?

9.Theterm"beta"infinancemeasuresthevolatilityofastockcomparedtotheoverallmarket.Trueorfalse?

10.Abondwithafixedinterestrateandamaturitydateoflessthanoneyearistypicallyclassifiedasashort-termbond.Trueorfalse?

四、材料分析题（本大题共2小题，每小题10分，共20分）

Material1:

Amultinationalcorporation(MNC)isplanningtoexpanditsoperationsintoanewmarket.Thecompanyisconsideringtwooptions:investinginanewfactoryinthenewmarketorsettingupajointventurewithalocalcompany.Theinvestmentinanewfactorywouldrequireasignificantupfrontcapitalexpenditure,whilethejointventurewouldinvolvesharingresourcesandriskswiththelocalpartner.TheMNCisevaluatingthefinancialimplicationsofbothoptions.

Material2:

Afinancialanalystispreparingareportontheperformanceofacompany.Thecompanyhasreportedstrongrevenuegrowthinthepastyear,butitsprofitmarginshavedeclined.Theanalystisconcernedaboutthecompany'sliquiditypositionandisexaminingthecompany'scurrentratioandquickratiotoassessitsabilitytomeetshort-termobligations.

1.BasedonMaterial1,discussthefinancialconsiderationsthattheMNCshouldtakeintoaccountwhendecidingbetweeninvestinginanewfactoryorsettingupajointventure.Provideatleasttwofinancialmetricsthatcouldbeusedtoevaluatethefeasibilityofeachoption.

2.BasedonMaterial2,analyzethepotentialreasonsforthedeclineinthecompany'sprofitmarginsanddiscusshowthefinancialanaly