2025年銀行業(yè)務英語試題及答案

一、單項選擇題（每題2分，共10題）1.“ATM”standsfor_.A.AutomaticTellerMachineB.AutomaticTransferMachineC.AutomaticTransactionMachine答案：A2.Theterm“interestrate”refersto_.A.theamountofmoneyyoudepositB.thepercentagechargedorearnedonaloanordepositC.thefeeforbankingservices答案：B3.Whichofthefollowingisatypeofbankaccount?A.NotebookB.SavingsaccountC.Pencilcase答案：B4.“Creditcard”ismainlyusedfor_.A.borrowingbooksB.makingpurchasesoncreditC.writingchecks答案：B5.Theabbreviation“FDIC”intheUSbankingsystemmeans_.A.FederalDepositInsuranceCorporationB.FederalDebtInsuranceCompanyC.FederalDiscountInsuranceCenter答案：A6.Inbanking,“withdrawal”means_.A.puttingmoneyintoanaccountB.takingmoneyoutofanaccountC.transferringmoneybetweenaccounts答案：B7.A“bankstatement”is_.A.astatementmadebyabanktellerB.asummaryoftransactionsinanaccountC.aformforopeninganewaccount答案：B8.“Overdraft”occurswhen_.A.youhavemoremoneyinyouraccountthanyouthoughtB.youspendmoremoneythanyouhaveinyouraccountC.youtransfermoneytoanotheraccountsuccessfully答案：B9.Whichofthefollowingisabankingservice?A.HaircutB.LoanC.Cooking答案：B10.“Currencyexchange”inabankisfor_.A.changingthetypeofmoney(e.g.,fromdollarstoeuros)B.exchangingoldbanknotesfornewonesC.tradingstocks答案：A二、多項選擇題（每題2分，共10題）1.Whichofthefollowingcanbeusedtoaccessyourbankaccount?A.DebitcardB.OnlinebankingC.BankpassbookD.Mobilebankingapp答案：ABCD2.Bankservicesforbusinessesmayinclude_.A.BusinessloansB.MerchantservicesC.PayrollmanagementD.Accountancyservices答案：ABC3.Whenopeningabankaccount,youmayneedtoprovide_.A.IdentificationdocumentsB.ProofofaddressC.InitialdepositD.Employmenthistory答案：ABC4.Thefollowingaretypesofbankloans_.A.MortgageloanB.PersonalloanC.AutoloanD.Studentloan答案：ABCD5.Whichofthefollowingarecommonbankingfees?A.ATMwithdrawalfeeB.MonthlymaintenancefeeC.OverdraftfeeD.Wiretransferfee答案：ABCD6.Whatarethefunctionsofabankteller?A.AcceptingdepositsB.CashingchecksC.AnsweringcustomerinquiriesD.Approvingloans答案：ABC7.Ininternationalbanking,factorstoconsidermayinclude_.A.ExchangeratesB.ForeigncurrencyregulationsC.InternationalwiretransferproceduresD.Localbankingholidaysindifferentcountries答案：ABCD8.Banksecuritymeasuresmayinvolve_.A.EncryptionofonlinetransactionsB.SurveillancecamerasinbranchesC.PasswordprotectionforaccountsD.Frauddetectionsystems答案：ABCD9.Whatmightbeincludedinabank'sfinancialproducts?A.Certificatesofdeposit(CDs)B.MutualfundsC.TreasurybondsD.Insuranceproducts答案：AB10.Whichofthefollowingareimportantforgoodbankingcustomerservice?A.PromptresponsetoinquiriesB.ClearcommunicationC.KnowledgeablestaffD.Longworkinghours答案：ABC三、判斷題（每題2分，共10題）1.Acheckingaccountisonlyforsavingmoney.(False)2.Banksdonotchargefeesforwiretransfers.(False)3.Youcanuseadebitcardtoborrowmoneyfromthebank.(False)4.Theinterestrateonasavingsaccountisalwaysfixed.(False)5.Banktellerscanonlyworkduringnormalbusinesshours.(False)6.Allbanksofferthesametypesofloans.(False)7.Abankstatementshowsonlythedepositsmadeinanaccount.(False)8.Youdon'tneedanyidentificationtoopenabasicsavingsaccount.(False)9.Banksarenotinvolvedinforeignexchangetrading.(False)10.Onlinebankingiscompletelyrisk-free.(False)四、簡答題（每題5分，共4題）1.Brieflyexplainwhatamortgageloanis.Answer:Amortgageloanisaloanprovidedbyabankorotherfinancialinstitutiontohelpaborrowerpurchaseaproperty.Thepropertyservesascollateralfortheloan.2.Whatarethebenefitsofusingonlinebanking?Answer:Itoffersconvenienceasyoucanaccessyouraccountanytime,anywhere.Youcancheckbalances,transferfunds,paybills,etc.withoutvisitingabankbranch.3.Nametwoimportantidentificationdocumentsforopeningabankaccount.Answer:Apassportandadriver'slicensearetwoimportantidentificationdocumentsforopeningabankaccount.4.Whatisanoverdraftprotectionservice?Answer:Overdraftprotectionserviceisaservicethatallowsthebanktocovertheamountwhenacustomeroverdrawstheiraccount,usuallybylinkingtoanotheraccountoralineofcredit.五、討論題（每題5分，共4題）1.Discusstheimpactofdigitaltransformationonbankingservices.Answer:Digitaltransformationhasincreasedconvenience.Customerscanaccessserviceseasily.Italsoimprovedefficiencyforbanks,butraisedsecurityconcernsandtheneedfordigitalliteracyamongcustomers.2.Howcanbanksattractmoresmallbusinesscustomers?Answer:Bankscanoffertailoredloanproducts,lowerfees,bettercustomerservice,andprovidefinancialeducationtoattractsmallbusinesscustomers.3.Whatroledoesthecentralbankplayinthebankingsystem?Answer:Thecentralbankregulatesotherbanks,controlsthemoneysupply,setsinterestratepolicies,andhelpsmaintainfinancialstabilityintheb