2025年銀行英語春招面試題庫及答案

一、單項選擇題（總共10題，每題2分）1.Whatistheprimaryroleofacommercialbank?A.InvestmentB.SavingsandloansC.CentralbankingD.Insurance2.Whichofthefollowingisanon-interestincomeforabank?A.InterestonloansB.ServicechargesC.InvestmentgainsD.Depositfees3.Whatdoestheterm"creditrisk"refertoinbanking?A.TheriskofbankfailureB.TheriskofloandefaultC.TheriskofmarketvolatilityD.Theriskofregulatorychanges4.Whichfinancialstatementshowsacompany'sfinancialpositionataspecificpointintime?A.IncomestatementB.BalancesheetC.CashflowstatementD.Profitandlossstatement5.Whatisthemainpurposeofabank'sliquiditymanagement?A.TomaximizeprofitsB.TominimizerisksC.ToensuresolvencyD.Tocontrolinflation6.Whichofthefollowingisatoolusedbycentralbankstocontrolinflation?A.OpenmarketoperationsB.ReserverequirementsC.InterestrateadjustmentsD.Alloftheabove7.Whatisthedifferencebetweenadebitcardandacreditcard?A.Debitcardsrequireacreditcheck,whilecreditcardsdonotB.Debitcardsareissuedbycreditunions,whilecreditcardsareissuedbybanksC.Debitcardsuseabank'sfunds,whilecreditcardsuseacardholder'sfundsD.Debitcardsareusedforonlinetransactions,whilecreditcardsareusedforin-storetransactions8.Whatisthetermfortheprocessofbuyingandsellingfinancialinstrumentstoinfluencemarketprices?A.ArbitrageB.SpeculationC.HedgingD.Hedging9.Whichofthefollowingisakeycomponentofabank'sriskmanagementframework?A.InternalauditB.ExternalauditC.RegulatorycomplianceD.Alloftheabove10.Whatistheprimaryfunctionofabank'streasurydepartment?A.Tomanagethebank'sassetsandliabilitiesB.ToprovideloanstocustomersC.ToconductmarketresearchD.Tohandlecustomerservice二、填空題（總共10題，每題2分）1.Theprocessofevaluatingthecreditworthinessofaborrowerisknownas________.2.Afinancialinstrumentthatrepresentsaloanmadebyabanktoaborroweriscalleda________.3.Theratioofabank'scapitaltoitsrisk-weightedassetsisknownasthe________.4.Thepracticeofborrowingmoneytoinvestinotherfinancialinstrumentsiscalled________.5.Thedocumentthatoutlinesabank'spoliciesandproceduresiscalledthe________.6.Theprocessofconvertingonecurrencyintoanotherisknownas________.7.Thefinancialstatementthatshowsacompany'srevenuesandexpensesoveraperiodoftimeiscalledthe________.8.Theamountofmoneythatabankmustholdinreserveandcannotlendoutiscalledthe________.9.Theprocessofdiversifyinginvestmentstoreduceriskiscalled________.10.Thefinancialinstitutionthatactsasaliaisonbetweensaversandborrowersiscalleda________.三、判斷題（總共10題，每題2分）1.Acommercialbankisprimarilyresponsibleformanagingacountry'smonetarypolicy.2.Interestratesaretheprimarytoolusedbycentralbankstocontrolinflation.3.Adebitcardisessentiallythesameasacreditcard.4.Thebalancesheetprovidesadetailedbreakdownofacompany'srevenuesandexpenses.5.Liquiditymanagementiscrucialforabank'slong-termprofitability.6.Openmarketoperationsareakeytoolusedbycentralbankstocontrolthemoneysupply.7.Creditriskisthesameasmarketrisk.8.Abank'streasurydepartmentisprimarilyresponsibleforcustomerservice.9.Regulatorycomplianceisakeycomponentofabank'sriskmanagementframework.10.Arbitrageisthepracticeofbuyingandsellingfinancialinstrumentstoprofitfrompricedifferences.四、簡答題（總共4題，每題5分）1.Explaintheconceptofabank'scapitaladequacyratioanditsimportance.2.Describetheroleofabank'sriskmanagementdepartment.3.Discusstheprimaryfunctionsofabank'streasurydepartment.4.Explainthedifferencebetweenadebitcardandacreditcard.五、討論題（總共4題，每題5分）1.Discusstheimportanceofliquiditymanagementinabank'soperations.2.Explainhowacentralbankusesinterestrateadjustmentstocontrolinflation.3.Discusstheroleofabank'sinternalauditdepartmentinensuringregulatorycompliance.4.Discussthepotentialrisksandbenefitsofusingcreditcards.答案和解析一、單項選擇題答案1.B2.B3.B4.B5.B6.D7.C8.B9.D10.A二、填空題答案1.creditassessment2.loan3.capitaladequacyratio4.leverage5.policymanual6.currencyexchange7.incomestatement8.reserverequirement9.diversification10.financialintermediary三、判斷題答案1.False2.True3.False4.False5.True6.True7.False8.False9.True10.True四、簡答題答案1.Abank'scapitaladequacyratioistheratioofabank'scapitaltoitsrisk-weightedassets.Itisimportantbecauseitensuresthatabankhasenoughcapitaltoabsorbpotentiallossesandremainsolvent.Ahighercapitaladequacyratioindicatesamorefinanciallystablebank.2.Abank'sriskmanagementdepartmentisresponsibleforidentifying,assessing,andmitigatingvariousrisksthatthebankfaces.Thisincludescreditrisk,marketrisk,operationalrisk,andliquidityrisk.Thedepartmentalsodevelopsandimplementsriskmanagementpoliciesandprocedures.3.Abank'streasurydepartmentisprimarilyresponsibleformanagingthebank'sassetsandliabilities.Thisincludesmanagingthebank'scashflow,investments,andfinancingactivities.Thedepartmentalsoworkscloselywiththebank'sriskmanagementdepartmenttoensurethatthebank'sinvestmentsarealignedwithitsrisktolerance.4.Adebitcardisacardthatallowsthecardholdertoaccessfundsdirectlyfromtheirbankaccount,whileacreditcardisacardthatallowsthecardholdertoborrowmoneyfromthebankuptoacertainlimit.Debitcardsuseabank'sfunds,whilecreditcardsuseacardholder'sfunds.五、討論題答案1.Liquiditymanagementiscrucialforabank'soperationsbecauseitensuresthatthebankhasenoughcashonhandtomeetitsshort-termobligations.Thisincludescustomerwithdrawals,loanpayments,andotheroperationalexpenses.Effectiveliquiditymanagementhelpstopreventfinancialinstabilityandensuresthatthebankcancontinuetooperatesmoothly.2.Acentralbankusesinterestrateadjustmentstocontrolinflationbyinfluencingthecostofborrowingandtheavailabilityofcredit.Wheninflationishigh,thecentralbankmayraiseinterestratestoreduceborrowingandspending,whichcanhelptocooldowntheeconomyandreduceinflationarypressures.Conversely,wheninflationislow,thecentralbankmaylowerinterestratestostimulateborrowingandspending,whichcanhelptoboosteconomicgrowth.3.Abank'sinternalauditdepartmentplaysacrucialroleinensuringregulatorycompliancebyindependently