2025銀行英語大賽試題及答案

單項選擇題（每題2分，共10題）1.What'sthemeaningof"currentaccount"?A.儲蓄賬戶B.信用卡賬戶C.現(xiàn)金賬戶D.投資賬戶2.Whichisthecorrectspelling?A.bussinessB.businessC.bisinessD.busyness3."Deposit"means?A.取款B.轉(zhuǎn)賬C.存款D.消費4.Thebankis___thestreet.A.inB.onC.acrossD.acrossfrom5.Whatdoes"ATM"standfor?A.AutomaticTellerMachineB.AutomatedTellerMoneyC.AutomaticTellerMoneyD.AutomatedTellerMachine6."Interestrate"refersto?A.匯率B.利率C.稅率D.費率7.Whichwordisrelatedtobanking?A.doctorB.lawyerC.tellerD.teacher8."Loan"means?A.儲蓄B.貸款C.保險D.投資9.Thecustomer___thebankforaloan.A.askedB.askedforC.appliedD.appliedto10.What'stheoppositeof"withdraw"?A.depositB.borrowC.lendD.spend答案：1.C2.B3.C4.D5.A6.B7.C8.B9.D10.A多項選擇題（每題2分，共10題）1.Whichofthefollowingarebankingservices?A.SavingsaccountB.CreditcardC.InsuranceD.Stocktrading2.Whataretypesofinterestrates?A.FixedinterestrateB.VariableinterestrateC.HighinterestrateD.Lowinterestrate3.Wordsrelatedtomoneyinclude?A.currencyB.cashC.coinD.note4.Whichcanbeusedforpayment?A.ChequeB.DebitcardC.CreditcardD.Cash5.Whatarefunctionsofabank?A.AcceptdepositsB.MakeloansC.ProvidefinancialadviceD.Issuebonds6.Whicharepartsofabank?A.TellercounterB.VaultC.Manager'sofficeD.Customerlounge7.Whataretypesofaccounts?A.CurrentaccountB.SavingsaccountC.JointaccountD.Fixeddepositaccount8.Whicharewaystotransfermoney?A.OnlinebankingtransferB.MobilepaymentC.WiretransferD.Chequepayment9.Whatarebankingrisks?A.CreditriskB.MarketriskC.OperationalriskD.Reputationrisk10.Whicharefinancialinstitutions?A.BankB.CreditunionC.InvestmentfirmD.Insurancecompany答案：1.AB2.AB3.ABCD4.ABCD5.ABC6.ABCD7.ABCD8.ABC9.ABCD10.ABCD判斷題（每題2分，共10題）1.Asavingsaccountearnsmoreinterestthanacurrentaccount.()2.YoucanwithdrawmoneyfromanATMwithacreditcard.()3.Banksonlydealwithmoney.()4.Aloanmustberepaidwithinterest.()5.Chequesarenolongerusedforpayment.()6.Thebankmanagerisresponsibleforallbankoperations.()7.Fixeddepositaccountshaveafixedinterestrate.()8.Onlinebankingislesssecurethantraditionalbanking.()9.Creditcardsallowyoutoborrowmoneyfromthebank.()10.Allbanksofferthesameservices.()答案：1.√2.×3.×4.√5.×6.×7.√8.×9.√10.×簡答題（總4題，每題5分）1.Whatisabalanceinabankaccount?賬戶余額是賬戶中剩余的金額，反映了賬戶的資金狀況。2.Howdoyouopenasavingsaccount?通常需攜帶身份證等有效證件到銀行網(wǎng)點，填寫開戶申請表，存入一定金額即可開戶。3.Whatistheroleofatellerinabank?柜員負(fù)責(zé)辦理客戶的存取款、轉(zhuǎn)賬等基本業(yè)務(wù)操作，為客戶提供面對面的金融服務(wù)。4.Whyisitimportanttohaveagoodcreditscoreforgettingaloan?良好信用評分表明借款人信用狀況良好，銀行更易評估風(fēng)險，更愿意貸款且可能給予更優(yōu)惠利率。討論題（總4題，每題5分）1.Discusstheadvantagesanddisadvantagesofonlinebanking.優(yōu)點：便捷隨時操作、節(jié)省時間成本。缺點：存在安全風(fēng)險，如信息泄露等；網(wǎng)絡(luò)故障時無法使用。2.Talkabouttheimpactofinterestratesonsavingsandloans.利率高時，儲蓄收益增加，貸款成本上升；利率低時，儲蓄收益降低，貸款成本下降。3.Howcanbanksi