銀行招聘考試英語(yǔ)高頻考點(diǎn)題單項(xiàng)選擇題（每題2分，共40分）1.Thebank’s________policyaimstoattractmorecustomersbyofferingcompetitive

interestrates.A.lendingB.borrowingC.investmentD.savings2.Risk________isacrucialprocessinbankingtoidentify,assess,andmitigatepotential

losses.A.managementB.assessmentC.analysisD.evaluation3.Customerscanaccesstheiraccounts________usingonlinebankingservices.A.anytimeB.somewhereC.anywhereD.everywhere4.Theannual________ofthebankshowsitsfinancialperformanceoverthepastyear.A.reportB.statementC.budgetD.forecast5.A________loanisonethatissecuredagainstanasset,suchasahouseoracar.A.personalB.securedC.unsecuredD.commercial6.Thebank’s________departmentdealswithissuesrelatedtocustomercomplaintsand

disputes.A.marketingB.customerserviceC.treasuryD.risk7.________riskreferstothepossibilityoffinanciallossesduetoadversechangesin

marketconditions.A.CreditB.MarketC.LiquidityD.Operational8.Customerscanmakedepositsandwithdrawalsatthebank’s________branches.A.mainB.regionalC.headquarterD.local9.The________rateistheinterestrateatwhichbankslendmoneytoeachother

overnight.A.baseB.repoC.primeD.discount10.A________accountallowscustomerstomakeanunlimitednumberoftransactions.A.currentB.savingsC.fixeddepositD.timedeposit11.Thebank’s________strategyfocusesonexpandingitscustomerbaseandmarket

share.A.growthB.diversificationC.consolidationD.retrenchment12.________analysisisusedtoassessacompany’sabilitytorepayitsdebts.A.RatioB.CashflowC.Break-evenD.SWOT13.Thebank’s________policysetsouttherulesandproceduresforlendingmoneyto

customers.A.creditB.savingsC.investmentD.insurance14.________riskistheriskofabanknothavingenoughcashtomeetitsshort-term

obligations.A.CreditB.MarketC.LiquidityD.Operational15.Customerscanapplyforaloan________visitingthebank’sbranch.

A.byB.withoutC.insteadofD.inadditionto16.Thebank’s________departmentisresponsibleformanagingitsinvestmentsand

treasuryoperations.A.retailbankingB.treasuryC.corporatebankingD.privatebanking17.A________rateistheinterestratepaidbyabankondepositsheldbyitscustomers.

A.baseB.lendingC.interestD.deposit18.Risk________involvesputtingmeasuresinplacetoreducetheimpactofrisks.

A.mitigationB.managementC.assessmentD.avoidance19.Thebank’s________ratiomeasuresitscapitaladequacyinrelationtoitsrisk-

weightedassets.A.liquidityB.tier-1capitalC.leverageD.capitaladequacy20.________bankingreferstoservicesprovidedtolargecorporateclients.

A.RetailB.CorporateC.PrivateD.Investment多項(xiàng)選擇題（每題2分，共20分）21.Whichofthefollowingarecommontypesofbankaccounts?

A.SavingsaccountB.CurrentaccountC.FixeddepositaccountD.Credit

cardaccount22.Riskmanagementinbankingincludes:A.IdentifyingrisksB.AssessingrisksC.MitigatingrisksD.Avoidingallrisks23.Abank’sbalancesheettypicallyincludes:A.AssetsB.LiabilitiesC.EquityD.Expenses24.Factorsthataffectabank’slendingdecisionmayinclude:

A.Theborrower’scredithistoryB.TheloanamountC.Collateralprovided

D.Marketconditions25.Whichofthefollowingarefunctionsofacentralbank?

A.SettingmonetarypolicyB.RegulatingbanksC.IssuingcurrencyD.

Providingloanstocommercialbanks26.Abank’streasurydepartmentmaybeinvolvedin:

A.ManaginginvestmentsB.HedgingforeignexchangerisksC.Issuingbonds

D.Lendingtocustomers27.Thefollowingaretypesoffinancialrisksfacedbybanks:A.CreditriskB.MarketriskC.LiquidityriskD.Operationalrisk28.Abank’smarketingstrategymayinclude:A.AdvertisingcampaignsB.PromotionsandoffersC.Onlinebanking

servicesD.Branchnetworkexpansion29.Whenassessingaloanapplication,abankmayconsider:

A.Theborrower’sincomeB.Theborrower’semploymentstatusC.The

purposeoftheloanD.Theborrower’screditscore30.Whichofthefollowingareregulatorybodiesthatoverseebankingactivities?

A.TheFederalReserve(USA)B.TheBankofEngland(UK)C.The

EuropeanCentralBank(ECB)D.TheSecuritiesandExchangeCommission(SEC)判斷題（每題2分，共20分）31.Abank’scapitaladequacyratiomeasuresitsabilitytoabsorblosses.()32.Allbankaccountsofferinterestondeposits.()33.Riskmanagementinbankingonlyinvolvesidentifyingandassessingrisks.()34.Thebalancesheetofabankshowsitsfinancialpositionataspecificpointintime.()35.Afixeddepositaccountallowsforunlimitedwithdrawals.()36.Abank’sliquidityratiomeasuresitsabilitytomeetshort-termobligations.()37.Creditriskreferstotheriskoffinanciallossesduetochangesinmarketconditions.(

)38.Theprimaryfunctionofacentralbankistoprovideloanstocommercialbanks.()39.Abank’streasurydepartmentisresponsibleformanagingitsday-to-dayoperations.(

)40.Ahighercreditscoregenerallyincreasesthechancesofaloanapplicationbeing

approved.()填空題（每題2分，共20分）41.Theprocessofevaluatingaborrower’screditworthinessisknownas________

assessment.42.The________ratiomeasuresabank’scapitalinrelationtoitsrisk-weightedassets.43.A________accountallowscustomerstoearninterestontheirdeposits.44.Risk________involvestakingstepstoreducethelikelihoodandimpactofnegative

events.45.The________ofabankreferstothetotalvalueofitsassetsminusitsliabilities.46.________riskistheriskoffinanciallossesduetofraud,errors,orsystemfailures.47.Theprimaryfunctionofa________bankistoregulatethebankingsectorand

managetheeconomy.48.A