2025年托?？荚囬喿x真題模擬模擬試卷：金融投資考試時(shí)間：______分鐘總分：______分姓名：______一、選詞填空要求：從每題所給的四個(gè)單詞中，選擇最符合句意和上下文邏輯的一個(gè)填入空格內(nèi)。每個(gè)選項(xiàng)只使用一次。1.Theriseofdigitalcurrencieshasfundamentally______thetraditionalfinanciallandscape,creatingbothopportunitiesandchallengesforinvestorsworldwide.A)transformedB)stabilizedC)diversifiedD)regulated2.Investorswho______tounderstandthecomplexitiesofderivativesoftenfindthemselvesinapositiontoexploitsophisticatedtradingstrategies.A)dedicateB)hesitateC)neglectD)resist3.The______natureofcryptocurrencymarketsmeansthatpricescanswingwildlywithinshortperiods,testingthemettleofeventhemostseasonedtraders.A)volatileB)predictableC)stableD)transparent4.Awell-structuredportfoliocanhelpinvestors______theimpactofmarketdownturnsbyspreadingriskacrossdifferentassetclasses.A)mitigateB)amplifyC)ignoreD)embrace5.Theconceptof"risk-returntrade-off"iscentraltomodernportfoliotheory,suggestingthathigherpotentialreturnsusuallycomewith______levelsofrisk.A)lowerB)higherC)moderateD)negligible6.Behavioralfinancehasshownthatinvestorsoftenmakeirrationaldecisionsbasedonpsychologicalbiases,suchasthe______toavoidlossesatallcosts.A)tendencyB)resistanceC)aversionD)willingness7.Theglobalfinancialcrisisof2008highlightedtheimportanceofregulatoryoversightinpreventingsystemicrisksthatcould______theentireeconomy.A)stabilizeB)destabilizeC)inflateD)deflate8.Assetallocationreferstotheprocessof______investmentsamongdifferentassetclassestoachieveadesiredbalancebetweenriskandreturn.A)concentratingB)diversifyingC)minimizingD)consolidating9.TheEfficientMarketHypothesisarguesthatfinancialmarketsarealwayspricingassetsaccurately,makingit______toconsistentlyoutperformthemarketthroughactivetrading.A)impossibleB)unlikelyC)feasibleD)necessary10.Abullmarketischaracterizedbyrisingpricesandinvestoroptimism,oftendrivenbyfactorssuchasstrongeconomicgrowthandlowunemploymentrates.A)bullishB)bearishC)neutralD)volatile二、閱讀理解要求：閱讀以下短文，然后根據(jù)每題所問(wèn)問(wèn)題，選擇最佳答案。每篇文章后有若干題，每題后面有四個(gè)選項(xiàng)，請(qǐng)選擇其中最佳答案。（一）TheEvolutionofFinancialMarketsThehistoryoffinancialmarketsisatestamenttohumaningenuityandtherelentlesspursuitofprofit.FromtheancientgrainmarketsofBabylontothemodern-daystockexchanges,thewaywetradehasevolveddramatically.Theintroductionoftheprintingpressinthe15thcenturyrevolutionizedthedisseminationoffinancialinformation,makingiteasierforinvestorstomakeinformeddecisions.The17thand18thcenturiessawtheriseofthefirststockexchanges,suchastheAmsterdamStockExchange,whichlaidthefoundationformoderntradingpractices.TheIndustrialRevolutioninthe19thcenturyfurtheracceleratedthegrowthoffinancialmarkets,asnewindustriesandtechnologiescreatedademandforcapital.The20thcenturybroughtitsownsetofinnovations,includingthedevelopmentofelectronictradingplatformsandtheglobalizationoffinancialmarkets.Today,theinternethasmadeitpossibleforanyonewithacomputertoparticipateinglobalmarkets,democratizingaccesstoinvestmentopportunitieslikeneverbefore.1.Whatwastheprimaryimpactoftheprintingpressonfinancialmarkets?A)Itincreasedthecostoffinancialinformation.B)Itmadefinancialinformationmoreaccessible.C)Itreducedthenumberofinvestors.D)Itcentralizedtradingtoasinglelocation.2.WhichofthefollowingbestdescribesthesignificanceoftheAmsterdamStockExchange?A)Itwasthefirstexchangetouseelectronictrading.B)Itestablishedtheconceptofstocktrading.C)Itwasthelargestexchangeinthe17thcentury.D)Itintroducedtheideaofdividends.3.HowdidtheIndustrialRevolutioncontributetothegrowthoffinancialmarkets?A)Itreducedthedemandforcapital.B)Itledtothedeclineofstockexchanges.C)Itcreatedaneedformoreinvestmentopportunities.D)Itmadetradingpracticesobsolete.4.Whatinnovationinthe20thcenturytransformedthewayfinancialmarketsoperate?A)Theinventionoftheprintingpress.B)Thedevelopmentofelectronictradingplatforms.C)Theglobalizationoffinancialmarkets.D)TheriseoftheAmsterdamStockExchange.5.Whathastheinternetdoneforfinancialmarketsinrecentyears?A)Ithaslimitedaccesstoinvestmentopportunities.B)Ithasmadetradingmorecentralized.C)Ithasdemocratizedaccesstomarkets.D)Ithasreducedthenumberofparticipants.（二）TheRoleofBehavioralFinanceBehavioralfinanceisafieldthatexamineshowpsychologicalfactorsinfluencefinancialdecision-making.Traditionalfinancialtheoriesassumethatinvestorsarerationalandalwaysmakedecisionsbasedonlogicalanalysis.However,behavioralfinancehasshownthatinvestorsareofteninfluencedbyavarietyofpsychologicalbiases,whichcanleadtoirrationaldecisions.Oneofthemostwell-knownbiasesisthe"lossaversion,"whereinvestorsaremorelikelytoavoidlossesthantoseekgains.Thiscanresultinholdingontolosinginvestmentsfortoolong,hopingthattheywilleventuallyrecover,whilemissingoutonotheropportunities.Anothercommonbiasisthe"herdingbehavior,"whereinvestorsfollowthecrowdwithoutdoingtheirownresearch,assumingthatifothersarebuyingorselling,itmustbetherightthingtodo.Thiscanleadtomarketbubblesandcrashes,asseeninthedot-combubbleofthelate1990sandthefinancialcrisisof2008.Understandingthesebiasesiscrucialforinvestorswhowanttomakemoreinformeddecisionsandavoidcostlymistakes.Byrecognizingtheirownpsychologicaltendencies,investorscandevelopstrategiestomitigatetheimpactofthesebiasesandimprovetheirinvestmentoutcomes.6.Whatisthemainfocusofbehavioralfinance?A)Therationalityofinvestors.B)Theinfluenceofpsychologicalfactorsonfinancialdecisions.C)Theefficiencyoffinancialmarkets.D)Thegrowthoffinancialmarkets.7.Accordingtotraditionalfinancialtheories,whatistheassumedbehaviorofinvestors?A)Theyareinfluencedbypsychologicalbiases.B)Theyarealwaysrational.C)Theyavoidgains.D)Theyfollowthecrowd.8.Whatislossaversion,andhowcanitaffectinvestors?A)Itisthetendencytoseekgains;itcanleadtohastydecisions.B)Itisthetendencytoavoidlosses;itcanleadtoholdingontolosinginvestmentstoolong.C)Itisthetendencytofollowthecrowd;itcanleadtomarketbubbles.D)Itisthetendencytoberational;itcanleadtomissingoutonopportunities.9.Whatisherdingbehavior,andwhatareitspotentialconsequences?A)Itisthetendencytoberational;itcanleadtomarketcrashes.B)Itisthetendencytoavoidgains;itcanleadtoholdingontolosinginvestments.C)Itisthetendencytofollowthecrowd;itcanleadtomarketbubblesandcrashes.D)Itisthetendencytoseekgains;itcanleadtohastydecisions.10.Whyisitimportantforinvestorstounderstandbehavioralfinance?A)Ithelpsthemmakemoreinformeddecisionsandavoidcostlymistakes.B)Ithelpsthemfollowthecrowdmoreeffectively.C)Ithelpsthemrationalizetheirirrationaldecisions.D)Ithelpsthempredictmarketcrashes.三、句子匹配要求：下列每一段文字都對(duì)應(yīng)了一個(gè)前面給出的句子。請(qǐng)將每一段文字與相應(yīng)的句子用字母連接起來(lái)。每個(gè)句子和段落只能使用一次。1.A)Theconceptofdiversificationisacornerstoneofmoderninvestmentstrategy,helpingtospreadriskacrossvariousassets.2.B)Behavioralfinancerevealsthatemotionsoftencloudrationaldecision-making,leadingtosuboptimalinvestmentchoices.3.C)Theglobalfinancialcrisisof2008underscoredtheneedforrobustregulatoryframeworkstopreventsystemicrisks.4.D)Assetallocationinvolvesdistributinginvestmentsamongdifferentassetclassestobalancepotentialreturnsandrisks.5.E)Cryptocurrencymarketsareknownfortheirextremevolatility,whichcanpresentbothhighrewardsandsignificantdangers.a)Whiledigitalcurrenciesofferinnovativepotential,theirunpredictablepricemovementscanquicklywipeoutinvestors'capitalifnotmanagedcarefully.b)Byunderstandingandmitigatingthesebiases,investorscanmakemoredisciplinedandeffectiveportfoliodecisions.c)Thiseventhighlightedhowinterconnectedglobalmarketscanamplifyindividualfailures,leadingtowidespreadeconomicturmoil.d)Essentially,it'saboutfindingtherightmixofstocks,bonds,andotherassetsthatalignswithaninvestor'sgoalsandrisktolerance.e)Therefore,it'scrucialforinvestorstohaveawell-thought-outplanthatconsidershowdifferentinvestmentswillperformundervariousmarketconditions.1.A—2.B—3.C—4.D—5.E—四、段落填空要求：閱讀以下段落，然后根據(jù)上下文邏輯，從每題所給的四個(gè)選項(xiàng)中選擇最合適的單詞填入空格內(nèi)。每個(gè)選項(xiàng)只使用一次。Thestockmarketcanbeadouble-edgedswordforbothnoviceandexperiencedinvestors.Ononehand,itoffersthe______toachievesignificantwealthgrowththroughinvestmentsincompaniesthatarepoisedforsuccess.Ontheotherhand,itcarriesthe______oflosingmoneyquicklyifmarketconditionsturnunfavorable.Understandingthe______betweenriskandrewardisessentialforanyonelookingtonavigatethestockmarketeffectively.Forinstance,awell-______portfoliothatbalancesgrowth-orientedassetswithstableinvestmentscanhelpmitigatesomeoftheinherentvolatilityinthemarket.However,eventhemost______strategiescanfallvictimtounforeseeneconomicshocks,suchasasuddenrecessionoraglobalhealthcrisis.Therefore,stayinginformedaboutmarkettrendsandmaintaininga______approachtoinvestingcangreatlyincreasethechancesoflong-termsuccess.1.A)potentialB)threatC)contrastD)volatility2.A)potentialB)threatC)contrastD)volatility3.A)potentialB)threatC)contrastD)volatility4.A)potentialB)threatC)contrastD)volatility5.A)potentialB)threatC)contrastD)volatility6.A)potentialB)threatC)contrastD)volatility7.A)potentialB)threatC)contrastD)volatility8.A)potentialB)threatC)contrastD)volatility五、閱讀理解要求：閱讀以下短文，然后根據(jù)每題所問(wèn)問(wèn)題，選擇最佳答案。每篇文章后有若干題，每題后面有四個(gè)選項(xiàng)，請(qǐng)選擇其中最佳答案。（一）TheImpactofInterestRatesontheEconomyInterestratesareafundamentaltoolusedbycentralbankstomanageeconomicconditions.Wheninterestratesarelow,borrowingbecomescheaper,whichcanstimulatespendingandinvestment.Thisisbecausebusinessesaremorelikelytotakeoutloanstoexpandoperations,andconsumersaremoreinclinedtomakelargepurchases,suchashomesandcars.Conversely,wheninterestratesarehigh,borrowingbecomesmoreexpensive,whichcanslowdownspendingandinvestment.Thisisbecausebusinessesmaydelayexpansionplans,andconsumersmaycutbackonlargepurchases.Thegoalofadjustinginterestratesistoachieveabalanceintheeconomy.Centralbanksaimtokeepinflationincheckwhilepromotingstablegrowth.Forexample,ifinflationistoohigh,thecentralbankmayraiseinterestratestocooldowntheeconomy.Ontheotherhand,iftheeconomyissluggishandinflationislow,thecentralbankmaylowerinterestratestoencouragemoreeconomicactivity.However,theeffectsofinterestratechangescanbecomplexandmaynotalwayshavetheintendedoutcome.Forinstance,ifinterestratesareraisedtooquickly,itcanleadtoarecessionasborrowingcostsbecomeprohibitiveforbothbusinessesandconsumers.1.Whatistheprimarypurposeofadjustinginterestratesbycentralbanks?A)Tomaximizeinflation.B)Tocontrolinflationandpromoteeconomicgrowth.C)Tominimizeborrowing.D)Toencourageexcessivespending.2.Howdolowinterestratesaffectbusinesses?A)Theyarelesslikelytoborrowforexpansion.B)Theyaremorelikelytoborrowforexpansion.C)Theyprefertosaveratherthaninvest.D)Theyavoidmakinglargepurchases.3.Howdohighinterestratesaffectconsumers?A)Theyaremorelikelytomakelargepurchases.B)Theyarelesslikelytomakelargepurchases.C)Theyareencouragedtoborrowmore.D)Theyhavenoimpactontheirspendinghabits.4.Whatisthegoalofraisinginterestrateswheninflationishigh?A)Tostimulateeconomicgrowth.B)Tocooldowntheeconomy.C)Toincreaseborrowing.D)Tolowerinflation.5.Whatcanhappenifinterestratesareraisedtooquickly?A)Itcanleadtoeconomicgrowth.B)Itcanleadtoarecession.C)Itcanincreaseinflation.D)Itcanencouragemoreborrowing.（二）TheRiseofSustainableInvestingSustainableinvesting,alsoknownassociallyresponsibleinvesting(SRI),hasgainedsignificanttractioninrecentyearsasmoreinvestorsseektoaligntheirfinancialgoalswiththeirethicalandenvironmentalvalues.Thisapproachinvolvesconsideringenvironmental,social,andgovernance(ESG)factorswhenmakinginvestmentdecisions.Theideaistonotonlygeneratefinancialreturnsbutalsotohaveapositiveimpactontheworld.Forexample,investorsmightchoosetoinvestincompaniesthathavestrongenvironmentalpractices,suchasusingrenewableenergyorreducingcarbonemissions.Similarly,theymightavoidcompaniesthatareinvolvedincontroversialindustries,suchastobaccoorfirearms.Thegrowthofsustainableinvestinghasbeendrivenbyseveralfactors.First,thereisincreasingawarenessoftheenvironmentalandsocialissuesfacingtheworldtoday,suchasclimatechange,poverty,andinequality.Second,thereisagrowingbeliefthatcompanieswithstrongESGpracticesarebettermanagedandarelesslikelytofacerisksthatcouldhurttheirperformance.Third,thereisademandfrominvestorsformoretransparencyandaccountabilityfromthecompaniestheyinvestin.Asaresult,manyfinancialinstitutionshavestartedtooffersustainableinvestmentoptions,suchasmutualfundsandexchange-tradedfunds(ETFs)thatfocusonESGfactors.Whilesustainableinvestinghasgainedpopularity,itisnotwithoutitschallenges.OnechallengeisthedifficultyinmeasuringandcomparingESGfactorsacrossdifferentcompaniesandindustries.Anotherchallengeisthepotentialtrade-offbetweenfinancialreturnsandsocialimpact.However,asmoreinvestorsandcompaniesembracesustainableinvesting,itislikelytobecomeanevenmoreimportantpartoftheinvestmentlandscape.6.Whatisthemainfocusofsustainableinvesting?A)Maximizingfinancialreturns.B)Aligninginvestmentswithethicalandenvironmentalvalues.C)Reducinginvestmentrisks.D)Increasingportfoliodiversity.7.WhatareESGfactorsinsustainableinvesting?A)Economic,social,andgovernancefactors.B)Environmental,social,andgovernancefactors.C)Equity,social,andgovernancefactors.D)Efficiency,social,andgovernancefactors.8.Whyhassustainableinvestinggainedpopularity?A)Becauseinvestorsaremoreinterestedinenvironmentalissues.B)Becausecompaniesareavoidingcontroversialindustries.C)Becausefinancialinstitutionsareofferingmoreoptions.D)Becausesustainableinvestmentsalwayshavehigherreturns.9.Whatisonechallengeofsustainableinvesting?A)ItistoodifficulttomeasureESGfactors.B)Italwaysleadstolowerfinancialreturns.C)Itisnotpopularwithinvestors.D)Itisnotsupportedbyfinancialinstitutions.10.Whatisthefutureoutlookforsustainableinvesting?A)Itwillbecomelessimportant.B)Itwillremainthesame.C)Itwillbecomemoreimportant.D)Itwillbereplacedbyotherinvestmentstrategies.本次試卷答案如下一、選詞填空1.A)transformed解析：句意為“數(shù)字貨幣的興起從根本上______了傳統(tǒng)的金融格局”，transformed（轉(zhuǎn)變，改造）符合句意，表示數(shù)字貨幣對(duì)傳統(tǒng)金融格局的深刻改變。2.A)dedicate解析：句意為“那些______去理解衍生品復(fù)雜性的投資者，往往能找到利用復(fù)雜交易策略的位置”，dedicate（致力于，投入）符合句意，表示投資者需要投入精力去理解復(fù)雜性。3.A)volatile解析：句意為“加密貨幣市場(chǎng)的______性質(zhì)意味著價(jià)格在短時(shí)間內(nèi)可能大幅波動(dòng)，考驗(yàn)著即使是經(jīng)驗(yàn)最豐富的交易者的定力”，volatile（動(dòng)蕩的，不穩(wěn)定的）符合句意，形容市場(chǎng)的價(jià)格波動(dòng)性。4.A)mitigate解析：句意為“一個(gè)結(jié)構(gòu)合理的投資組合可以通過(guò)將風(fēng)險(xiǎn)分散到不同的資產(chǎn)類別中，幫助投資者_(dá)_____市場(chǎng)低迷的影響”，mitigate（減輕，緩和）符合句意，表示減輕沖擊。5.B)higher解析：句意為“‘風(fēng)險(xiǎn)-回報(bào)權(quán)衡’的概念是現(xiàn)代投資組合理論的核心，表明更高的潛在回報(bào)通常伴隨著______的風(fēng)險(xiǎn)水平”，higher（更高的）符合句意，表示風(fēng)險(xiǎn)與回報(bào)成正比。6.C)aversion解析：句意為“行為金融學(xué)表明，投資者經(jīng)?；谛睦砥?jiàn)做出非理性決定，例如______避免任何損失”，aversion（厭惡，反感）符合句意，表示對(duì)損失的厭惡。7.B)destabilize解析：句意為“2008年的全球金融危機(jī)突出了監(jiān)管oversight在預(yù)防可能______整個(gè)經(jīng)濟(jì)的系統(tǒng)性風(fēng)險(xiǎn)方面的重要性”，destabilize（使不穩(wěn)定）符合句意，表示金融危機(jī)導(dǎo)致的不穩(wěn)定。8.B)diversifying解析：句意為“資產(chǎn)配置是指將投資______不同的資產(chǎn)類別中，以實(shí)現(xiàn)風(fēng)險(xiǎn)和回報(bào)的預(yù)期平衡”，diversifying（多樣化）符合句意，表示分散投資。9.A)impossible解析：句意為“有效市場(chǎng)假說(shuō)認(rèn)為金融市場(chǎng)始終準(zhǔn)確定價(jià)資產(chǎn)，使得通過(guò)積極交易持續(xù)跑贏市場(chǎng)______”，impossible（不可能的）符合句意，表示理性投資者難以持續(xù)跑贏市場(chǎng)。10.A)bullish解析：句意為“牛市的特點(diǎn)是價(jià)格上漲和投資者樂(lè)觀，通常由強(qiáng)勁的經(jīng)濟(jì)增長(zhǎng)和低失業(yè)率等因素驅(qū)動(dòng)”，bullish（看漲的）符合句意，形容市場(chǎng)的樂(lè)觀情緒。二、閱讀理解（一）TheEvolutionofFinancialMarkets1.B)Itmadefinancialinformationmoreaccessible.解析：文章第一段提到“theintroductionoftheprintingpressinthe15thcenturyrevolutionizedthedisseminationoffinancialinformation”，即印刷術(shù)的引入革命化了金融信息的傳播，使其更容易獲得。2.B)Itestablishedtheconceptofstocktrading.解析：文章提到“The17thand18thcenturiessawtheriseofthefirststockexchanges,suchastheAmsterdamStockExchange,whichlaidthefoundationformoderntradingpractices”，即早期股票交易所的興起奠定了現(xiàn)代交易實(shí)踐的基礎(chǔ)，確立了股票交易的概念。3.C)Itcreatedaneedformoreinvestmentopportunities.解析：文章提到“TheIndustrialRevolutioninthe19thcenturyfurtheracceleratedthegrowthoffinancialmarkets,asnewindustriesandtechnologiescreatedademandforcapital”，即工業(yè)革命創(chuàng)造了對(duì)更多投資機(jī)會(huì)的需求。4.B)Thedevelopmentofelectronictradingplatforms.解析：文章提到“The20thcenturybroughtitsownsetofinnovations,includingthedevelopmentofelectronictradingplatforms”，即20世紀(jì)帶來(lái)了電子交易平臺(tái)的發(fā)展。5.C)Ithasdemocratizedaccesstomarkets.解析：文章最后一段提到“Today,theinternethasmadeitpossibleforanyonewithacomputertoparticipateinglobalmarkets,democratizingaccesstoinvestmentopportunitieslikeneverbefore”，即互聯(lián)網(wǎng)使任何人都能參與全球市場(chǎng)，實(shí)現(xiàn)了投資機(jī)會(huì)的民主化。（二）TheRoleofBehavioralFinance6.B)Theinfluenceofpsychologicalfactorsonfinancialdecisions.解析：文章第一段提到“Behavioralfinanceisafieldthatexamineshowpsychologicalfactorsinfluencefinancialdecision-making”，即行為金融學(xué)研究心理因素如何影響財(cái)務(wù)決策。7.B)Theyarealwaysrational.解析：文章提到“Traditionalfinancialtheoriesassumethatinvestorsarerationalandalwaysmakedecisionsbasedonlogicalanalysis”，即傳統(tǒng)金融理論假設(shè)投資者是理性的，總是基于邏輯分析做決策。8.B)Itisthetendencytoavoidlosses;itcanleadtoholdingontolosinginvestmentstoolong.解析：文章提到“Theconceptof'lossaversion,'whereinvestorsaremorelikelytoavoidlossesatallcosts”，即損失厭惡是指投資者更傾向于避免損失，導(dǎo)致持有虧損投資過(guò)久。9.C)Itisthetendencytofollowthecrowd;itcanleadtomarketbubblesandcrashes.解析：文章提到“The'herdingbehavior,'whereinvestorsfollowthecrowdwithoutdoingtheirownresearch,assumingthatifothersarebuyingorselling,itmustbetherightthingtodo”，即羊群效應(yīng)是指投資者盲目跟從，可能導(dǎo)致市場(chǎng)泡沫和崩潰。10.A)Ithelpsthemmakemoreinformeddecisionsandavoidcostlymistakes.解析：文章最后提到“Byunderstandingandmitigatingthesebiases,investorscanmakemoredisciplinedandeffectiveportfoliodecisions”，即理解并減輕這些偏見(jiàn)能幫助投資者做出更明智的決策，避免代價(jià)高昂的錯(cuò)誤。三、句子匹配1.A—d)Essentially,it'saboutfindingtherightmixofstocks,bonds,andotherassetsthatalignswithaninvestor'sgoalsandrisktolerance.解析：句子A討論的是資產(chǎn)配置的基本概念，段落d解釋了資產(chǎn)配置就是找到符合投資者目標(biāo)和風(fēng)險(xiǎn)承受能力的股票、債券和其他資產(chǎn)組合，兩者意思一致。2.B—b)Byunderstandingandmitigatingthesebiases,investorscanmakemoredisciplinedandeffectiveportfoliodecisions.解析：句子B提到行為金融學(xué)揭示情緒影響理性決策，段落b說(shuō)明理解并減輕這些偏見(jiàn)能幫助投資者做出更disciplined的決策，兩者意思一致。3.C—c)Thiseventhighlightedhowinterconnectedglobalmarketscanamplifyindividualfailures,leadingtowidespreadeconomicturmoil.解析：句子C提到2008年金融危機(jī)突出了系統(tǒng)性風(fēng)險(xiǎn)，段落c解釋了全球市場(chǎng)如何放大個(gè)體失敗導(dǎo)致經(jīng)濟(jì)動(dòng)蕩，兩者意思一致。4.D—d)Essentially,it'saboutfindingtherightmixofstocks,bonds,andotherassetsthatalignswithaninvestor'sgoalsandrisktolerance.解析：句子D討論的是資產(chǎn)配置的概念，段落d解釋了資產(chǎn)配置就是找到符合投資者目標(biāo)和風(fēng)險(xiǎn)承受能力的股票、債券和其他資產(chǎn)組合，兩者意思一致。5.E—a)Whiledigitalcurrenciesofferinnovativepotential,theirunpredictablepricemovementscanquicklywipeoutinvestors'capitalifnotmanagedcarefully.解析：句子E提到加密貨幣市場(chǎng)的極端波動(dòng)性，段落a說(shuō)明數(shù)字貨幣的潛在風(fēng)險(xiǎn)，兩者意思一致。四、段落填空1.A)potential解析：句意為“股票市場(chǎng)對(duì)新手和經(jīng)驗(yàn)豐富的投資者來(lái)說(shuō)是一把雙刃劍。一方面，它提供了______實(shí)現(xiàn)通過(guò)投資成功公司的顯著財(cái)富增長(zhǎng)”，potential（潛力）符合句意，表示股票市場(chǎng)具有實(shí)現(xiàn)財(cái)富增長(zhǎng)的可能性。2.B)threat解析：句意為“股票市場(chǎng)對(duì)新手和經(jīng)驗(yàn)豐富的投資者來(lái)說(shuō)是一把雙刃劍。另一方面，它c(diǎn)arriesthe______oflosingmoneyquicklyifmarketconditionsturnunfavorable”，threat（威脅）符合句意，表示股票市場(chǎng)可能帶來(lái)虧損的風(fēng)險(xiǎn)。3.C)contrast解析：句意為“理解風(fēng)險(xiǎn)與回報(bào)之間的______對(duì)于任何希望有效導(dǎo)航股票市場(chǎng)的人來(lái)說(shuō)都是至關(guān)重要的”，contrast（對(duì)比）符合句意，表示需要理解兩者之間的差異。4.d)volatility解析：句意為“一個(gè)well-______投資組合可以通過(guò)將風(fēng)險(xiǎn)分散到不同的資產(chǎn)類別中，幫助減輕市場(chǎng)低迷的影響”，volatility（波動(dòng)性）符合句意，表示需要管理資產(chǎn)組合的波動(dòng)性。5.A)potential解析：句意為“甚至最______策略也可能受到不可預(yù)見(jiàn)的經(jīng)濟(jì)沖擊的影響”，potential（潛在的）符合句意，表示策略可能面臨潛在的風(fēng)險(xiǎn)。6.B)threat解析：句意為“甚至最______策略也可能受到不可預(yù)見(jiàn)的經(jīng)濟(jì)沖擊的影響”，threat（威脅）符合句意，表示經(jīng)濟(jì)沖擊可能構(gòu)成威脅。7.C)contrast解析：句意為“因此，保持對(duì)市場(chǎng)趨勢(shì)的了解并維持一個(gè)______方法可以大大增加長(zhǎng)期成功的幾率”，contrast（對(duì)比）符合句意，表示需要對(duì)比不同的投資方法。8.D)volatility解析：句意為“因此，保持對(duì)市場(chǎng)趨勢(shì)的了解并維持一個(gè)______方法可以大大增加長(zhǎng)期成功的幾率”，volatility（波動(dòng)性）符合句意，表示需要管理市場(chǎng)波動(dòng)性。9.B)threat解析：句意為“即使是最______策略也可能受到不可預(yù)見(jiàn)的經(jīng)濟(jì)沖擊的影響”，threat（威脅）符合句意，表示經(jīng)濟(jì)沖擊可能構(gòu)成威脅。10.C)contrast解析：句意為“因此，保持對(duì)市場(chǎng)趨勢(shì)的了解并維持一個(gè)______方法可以大大增加長(zhǎng)期成功的幾率”，contrast（對(duì)比）符合句意，表示需要對(duì)比不同的投資方法。五、閱讀理解（一）TheImpactofInterestRatesontheEconomy1.B)Tocontrolinflationandpromoteeconomicgrowth.解析：文章第一段提到“centralbanksaimtokeepinflationincheckw