2025金融英語考試試題及答案

一、單項選擇題（每題2分，共10題）1.Whichofthefollowingisafinancialinstrument?A.AcarB.AhouseC.AbondD.Abook答案：C2.Infinance,whatdoes“ROE”standfor?A.ReturnonEquityB.RateofExchangeC.RiskofEarningD.ReturnonEarning答案：A3.Thecentralbankcontrolsthemoneysupplyby?A.PrintingmoremoneyB.BuyingandsellinggovernmentsecuritiesC.ChangingtaxratesD.Controllingimportsandexports答案：B4.Whichofthefollowingisaliabilityforabank?A.DepositsB.LoansC.ReservesD.Securities答案：A5.Whatisthemainfunctionofastockmarket?A.ToprovideaplaceforcompaniestostoretheirfundsB.ToprovideaplatformforbuyingandsellingstocksC.ToissuegovernmentbondsD.Tocontroltheinflationrate答案：B6.Acreditratingagencyassessesthe?A.Qualityofacompany'sproductsB.CreditworthinessofborrowersC.Efficiencyofabank'soperationsD.Valueofastockmarketindex答案：B7.Ininternationalfinance,whatisa“hedge”?A.AtypeofinvestmentinrealestateB.AstrategytoreduceriskC.AnewformofcurrencyD.Ahigh-riskinvestmentmethod答案：B8.Whichofthefollowingisnotafinancialratio?A.Debt-to-EquityratioB.Price-to-EarningsratioC.Speed-to-MarketratioD.Currentratio答案：C9.Whatistheroleoffinancialregulations?A.ToencouragebankstotakemorerisksB.ToprotectinvestorsandmaintainfinancialstabilityC.TolimitthegrowthofthefinancialindustryD.Topromotemonopolyinthefinancialmarket答案：B10.Iftheinterestraterises,thepriceofbondswill?A.RiseB.FallC.RemainunchangedD.Fluctuaterandomly答案：B二、多項選擇題（每題2分，共10題）1.Whichofthefollowingaretypesoffinancialmarkets?A.StockmarketB.BondmarketC.ForeignexchangemarketD.Commoditymarket答案：ABCD2.Factorsthataffecttheexchangerateinclude?A.InterestratesB.InflationratesC.PoliticalstabilityD.Balanceoftrade答案：ABCD3.Bankassetsmayinclude?A.LoansB.ReservesC.SecuritiesD.Physicalbuildings答案：ABC4.Whichofthefollowingarefunctionsofcentralbanks?A.IssuingcurrencyB.ControllingthemoneysupplyC.ActingasalenderoflastresortD.Supervisingbanks答案：ABCD5.Characteristicsofagoodinvestmentinclude?A.HighreturnB.LowriskC.LiquidityD.Diversification答案：ABC6.Whatcanfinancialinstitutionsoffer?A.SavingsaccountsB.LoansC.InvestmentadviceD.Insuranceproducts答案：ABCD7.Risksinthefinancialmarketare?A.MarketriskB.CreditriskC.LiquidityriskD.Operationalrisk答案：ABCD8.Infinancialanalysis,wemayuse?A.FinancialstatementsB.RatioanalysisC.CashflowanalysisD.Scenarioanalysis答案：ABCD9.Whichofthefollowingaresourcesoffinancingforacompany?A.EquityfinancingB.DebtfinancingC.RetainedearningsD.Governmentgrants答案：ABC10.Thecomponentsofafinancialsystemare?A.FinancialinstitutionsB.FinancialmarketsC.FinancialinstrumentsD.Financialregulations答案：ABCD三、判斷題（每題2分，共10題）1.Astockrepresentsownershipinacompany.(True)2.Higherinflationusuallyleadstolowerinterestrates.(False)3.Banksalwaysmakeaprofitfromlending.(False)4.Theforeignexchangemarketisonlyforlargemultinationalcorporations.(False)5.Afinancialderivativeisasimplefinancialinstrument.(False)6.Centralbankscannevergobankrupt.(False)7.Allinvestmentsareguaranteedtomakeaprofit.(False)8.Acompany'sdebt-to-equityratioshouldalwaysbeashighaspossible.(False)9.Thestockmarketandthebondmarketarecompletelyindependentofeachother.(False)10.Financialregulationsonlyapplytobanks.(False)四、簡答題（每題5分，共4題）1.Brieflyexplainwhatafinancialstatementis.Answer:Afinancialstatementisareportthatshowsacompany'sfinancialperformanceandposition.Itincludesthebalancesheet,incomestatement,andcashflowstatement.Thesestatementsprovideinformationaboutacompany'sassets,liabilities,revenues,expenses,andcashflows.2.Whatisthedifferencebetweenasavingsaccountandacheckingaccount?Answer:Asavingsaccountismainlyforsavingmoneyandusuallyearnsinterest.Withdrawalsmaybelimited.Acheckingaccountisusedfordailytransactionslikepayingbillsandmakingpurchases.Itgenerallyhasmoreflexibilityintermsofwithdrawalsbutmayearnlessornointerest.3.Explaintheconceptofrisk-returntrade-offinfinance.Answer:Infinance,therisk-returntrade-offmeansthathigherreturnsareusuallyassociatedwithhigherrisks.Investorshavetodecidehowmuchrisktheyarewillingtotakeinordertoachieveacertainlevelofreturn.Low-riskinvestmentsgenerallyofferlowerreturns,whilehigh-riskinvestmentsmaypotentiallyyieldhigherreturns.4.Whatistheroleofinvestmentbanks?Answer:Investmentbankshelpcompaniesraisecapitalbyunderwritingandsellingsecurities.Theyalsoprovideadvisoryservicesformergersandacquisitions,tradingoffinancialinstruments,andresearchonfinancialmarketsandcompanies.五、討論題（每題5分，共4題）1.Discusstheimpactofglobalizationonthefinancialmarket.Answer:Globalizationhasincreasedtheintegrationoffinancialmarkets.Ithasledtomorecross-borderinvestment,greatercompetitionamongfinancialinstitutions,andmorecomplexfinancialproducts.Italsomeansthatfinancialcrisesinonepartoftheworldcanquicklyspreadtootherregions.2.Shouldgovernmentsregulatethefinancialindustrymorestrictly?Answer:Stricterregulationcanprotectinvestors,preventfinancialcrises,andensurethestabilityofthefinancialsystem.However,toomuchregulationmaystifleinnovation.Abalanceneedstobestruckbetweenregulationandallowingthefinancialindustrytodevelop.3.What