2025年銀行考試題庫及答案英語

一、單項選擇題（每題2分，共10題）1.I______tothebankeveryFriday.A.goB.goesC.goingD.amgo答案：A2.Sheisinterested______internationalbanking.A.atB.inC.onD.of答案：B3.Thebank______at9:00amonweekdays.A.openB.opensC.openingD.isopen答案：B4.Thereare______customersinthebanktoday.A.muchB.manyC.alotD.afewof答案：B5.He______hismoneyinasavingsaccount.A.depositB.depositsC.depositingD.isdeposit答案：B6.______istheinterestrateforthistypeofaccount?A.HowB.WhatC.WhichD.When答案：B7.Thebankoffers______servicestoitscustomers.A.varyB.variousC.variationD.variety答案：B8.She______aloanfromthebanklastmonth.A.takesB.tookC.takingD.istake答案：B9.Ineedto______myaccountbalance.A.checkB.checksC.checkingD.ischeck答案：A10.TheATMislocated______theentranceofthebank.A.atB.inC.onD.to答案：A二、多項選擇題（每題2分，共10題）1.Whichofthefollowingcanbeusedtoaccessbankservices?()A.ATMB.MobilebankingappC.BranchvisitD.Telephonebanking答案：ABCD2.Bankemployeesmayinclude().A.TellersB.LoanofficersC.ManagersD.Auditors答案：ABCD3.Whenopeningabankaccount,youmayneedtoprovide().A.IdentificationB.ProofofaddressC.InitialdepositD.Employmentinformation答案：ABC4.Commontypesofbankaccountsare().A.SavingsaccountB.CheckingaccountC.CertificateofdepositD.Creditcardaccount答案：ABC5.Banksecuritymeasuresmayinvolve().A.SurveillancecamerasB.SecurityguardsC.EncryptionD.Passwordprotection答案：ABCD6.Whichofthefollowingarebankfees?()A.ATMwithdrawalfeeB.MonthlymaintenancefeeC.OverdraftfeeD.Loanapplicationfee答案：ABCD7.Functionsofabankmayinclude().A.AcceptingdepositsB.GrantingloansC.FacilitatingpaymentsD.Providingfinancialadvice答案：ABCD8.Bankstatementscanshow().A.AccountbalanceB.TransactionhistoryC.InterestearnedD.Feescharged答案：ABCD9.Toapplyforaloan,youmayneedtohave().A.GoodcreditscoreB.StableincomeC.CollateralD.Aguarantor答案：ABC10.Bank'smarketingstrategiesmayinclude().A.AdvertisingB.OfferingpromotionsC.ReferralprogramsD.Communityevents答案：ABCD三、判斷題（每題2分，共10題）1.Banksonlydealwithlarge-scalebusinesses.(False)2.Youcan'twithdrawmoneyfromanATMwithoutacard.(True)3.Allbankaccountshavethesameinterestrate.(False)4.Banktellersareresponsibleforapprovingloans.(False)5.Abankcancloseyouraccountwithoutanyreason.(False)6.Mobilebankingisalwayslesssecurethanbranchbanking.(False)7.Thebankwillalwaysgiveyoualoanifyouhaveajob.(False)8.Youcan'ttransfermoneybetweendifferentbanks.(False)9.Bankauditsareonlydoneonceayear.(False)10.Asavingsaccountisonlyforsavingmoneyandcan'tbeusedforpayments.(False)四、簡答題（每題5分，共4題）1.Brieflydescribetheprocessofopeningabankaccount.Answer:First,choosethetypeofaccount.Then,provideidentification,proofofaddressandaninitialdeposit.Fillintheapplicationformandwaitforthebanktoreviewandapprove.2.Whatarethebenefitsofusingmobilebanking?Answer:Itisconvenient.Youcancheckaccountbalance,transfermoney,paybillsanytimeandanywhere.Italsooftenhassecurityfeaturestoprotectyourinformation.3.Explainwhatacreditscoreis.Answer:Acreditscoreisanumberthatrepresentsaperson'screditworthiness.Itisbasedoncredithistoryincludingpaymenthistory,amountsowed,lengthofcredithistoryetc.andisusedbybankstodecidewhethertolendmoneyandatwhatterms.4.Howcanabankprotectitscustomers'information?Answer:Byusingencryption,passwordprotection,havingsecurityguards,surveillancecamerasandregularsecurityaudits.五、討論題（每題5分，共4題）1.Discusstheimportanceofbankregulations.Answer:Bankregulationsareimportanttoprotectcustomers'deposits,ensurefairlendingpractices,maintainfinancialstabilityintheeconomyandpreventfraudandmoneylaundering.2.Whatcanbanksdotoimprovecustomersatisfaction?Answer:Bankscanofferbetterserviceslikefastertransactions,lowerfees,morepersonalizedfinancialadvice,andimprovetheircommunicationwithcustomers.3.Howhastechnologychangedthebankingindustry?Answer:Technologyhasmadebankingmoreconvenient.Mobileandonlinebankinghaveemerged.Transactionsarefaster,andnewserviceslikedigitalwalletsareavailable.Ithasalso