金融英語期末試卷及答案

一、單項選擇題（總共10題，每題2分）1.Whichofthefollowingisconsideredaprimarymarketinstrument?A.BondsB.StocksC.MutualfundsD.AnnuitiesAnswer:B2.Whatdoestheterm"liquidity"refertoinfinance?A.TheabilitytogenerateincomeB.TheeasewithwhichanassetcanbeconvertedintocashC.ThelevelofriskinaninvestmentD.ThemarketvalueofanassetAnswer:B3.Whichfinancialstatementprovidesinformationaboutacompany'sfinancialpositionataspecificpointintime?A.IncomestatementB.BalancesheetC.CashflowstatementD.StatementofretainedearningsAnswer:B4.Whatistheprimarypurposeofamutualfund?A.ToprovideafixedincomeB.ToinvestinadiversifiedportfolioofstocksandbondsC.ToofferinsurancecoverageD.Toprovideshort-termloansAnswer:B5.Whichofthefollowingisatypeofderivativecontract?A.BondB.StockC.OptionD.MutualfundAnswer:C6.Whatisthetermfortherateatwhichmoneylosesitsvalueduetoinflation?A.NominalinterestrateB.RealinterestrateC.EffectiveinterestrateD.AnnualpercentagerateAnswer:B7.Whichofthefollowingisameasureofacompany'sprofitability?A.ReturnonassetsB.CurrentratioC.Debt-to-equityratioD.LiquidityratioAnswer:A8.Whatisthetermfortheprocessofbuyingbackacompany'sownsharesfromthemarket?A.DividendB.StocksplitC.StockbuybackD.MergersandacquisitionsAnswer:C9.Whichfinancialinstitutionisprimarilyresponsibleforprovidingloanstobusinessesandindividuals?A.InvestmentbankB.CommercialbankC.CentralbankD.InsurancecompanyAnswer:B10.Whatisthetermfortheriskthataninvestment'sreturnswillbelowerthanexpectedduetomarketfluctuations?A.CreditriskB.MarketriskC.LiquidityriskD.OperationalriskAnswer:B二、多項選擇題（總共10題，每題2分）1.Whichofthefollowingareexamplesoffinancialassets?A.RealestateB.StocksC.BondsD.CashAnswer:B,C,D2.Whatarethemaincomponentsofacompany'sbalancesheet?A.AssetsB.LiabilitiesC.EquityD.RevenueAnswer:A,B,C3.Whichofthefollowingaretypesofinvestmentrisks?A.MarketriskB.CreditriskC.LiquidityriskD.InflationriskAnswer:A,B,C,D4.Whataretheprimaryfunctionsofacentralbank?A.ConductingmonetarypolicyB.RegulatingcommercialbanksC.ProvidingfinancialservicestothegovernmentD.OverseeingthestockmarketAnswer:A,B,C5.Whichofthefollowingareexamplesofderivativeinstruments?A.FuturescontractsB.OptionsC.SwapsD.BondsAnswer:A,B,C6.Whatarethekeyfactorstoconsiderwhenevaluatingthefinancialhealthofacompany?A.ProfitabilityB.LiquidityC.SolvencyD.GrowthpotentialAnswer:A,B,C,D7.Whichofthefollowingaretypesoffinancialmarkets?A.StockmarketB.BondmarketC.MoneymarketD.ForeignexchangemarketAnswer:A,B,C,D8.Whatarethemainfunctionsofamutualfund?A.DiversificationB.ProfessionalmanagementC.RiskreductionD.HighreturnsAnswer:A,B,C9.Whichofthefollowingaretypesoffinancialinstruments?A.StocksB.BondsC.OptionsD.MutualfundsAnswer:A,B,C,D10.Whatarethemaincomponentsofacompany'sincomestatement?A.RevenueB.ExpensesC.NetincomeD.DividendsAnswer:A,B,C三、判斷題（總共10題，每題2分）1.Theprimarymarketiswheresecuritiesareissuedforthefirsttime.Answer:True2.Liquidityisameasureofacompany'sabilitytomeetitsshort-termobligations.Answer:False3.Abalancesheetprovidesinformationaboutacompany'sfinancialperformanceoveraperiodoftime.Answer:False4.Mutualfundsareatypeofderivativecontract.Answer:False5.Therealinterestratetakesinflationintoaccountandreflectstheactualcostofborrowing.Answer:True6.Returnonassetsisameasureofacompany'sprofitability.Answer:True7.Astockbuybackisaprocesswhereacompanybuysbackitsownsharesfromthemarket.Answer:True8.Commercialbanksareprimarilyresponsibleforprovidingloanstobusinessesandindividuals.Answer:True9.Marketriskistheriskthataninvestment'sreturnswillbelowerthanexpectedduetomarketfluctuations.Answer:True10.Theincomestatementprovidesinformationaboutacompany'sfinancialpositionataspecificpointintime.Answer:False四、簡答題（總共4題，每題5分）1.Whatisthedifferencebetweenprimaryandsecondarymarkets?Answer:Primarymarketsarewheresecuritiesareissuedforthefirsttime,andcompaniesraisecapitalbysellingnewsecuritiestoinvestors.Secondarymarketsarewherepreviouslyissuedsecuritiesaretradedamonginvestors.Theprimarymarketisfornewissues,whilethesecondarymarketisfortradingexistingsecurities.2.Explaintheconceptofdiversificationininvestment.Answer:Diversificationisthestrategyofspreadinginvestmentsacrossvariousfinancialinstruments,industries,andothercategoriestoreducerisk.Bydiversifying,investorscanminimizetheimpactofpoorperformanceinanysingleinvestmentontheiroverallportfolio.3.Whatarethemainfunctionsofacentralbank?Answer:Themainfunctionsofacentralbankincludeconductingmonetarypolicytocontrolinflationandstabilizetheeconomy,regulatingcommercialbankstoensurethestabilityofthefinancialsystem,andprovidingfinancialservicestothegovernment,suchasmanagingthecountry'sforeignexchangereserves.4.Describetheprocessofastockbuyback.Answer:Astockbuybackisaprocesswhereacompanybuysbackitsownsharesfromthemarket.Thiscanbedonethroughopenmarketpurchasesorbyofferingtobuybacksharesataspecifiedprice.Thepurposeofastockbuybackistoreducethenumberofoutstandingshares,whichcanincreaseearningspershareandpotentiallyboostthestockprice.五、討論題（總共4題，每題5分）1.Discusstheimportanceoffinancialliteracyforindividuals.Answer:Financialliteracyiscrucialforindividualsasitempowersthemtomakeinformeddecisionsabouttheirfinances.Ithelpsthemunderstandconceptslikebudgeting,saving,investing,andmanagingdebt,whichareessentialforachievingfinancialstabilityandlong-termgoals.Financialliteracyalsoenablesindividualstoidentifyandavoidfinancialscams,makewiseinvestmentchoices,andplanforretirement.2.Whatarethepotentialrisksandbenefitsofinvestinginstocks?Answer:Investinginstocksofferspotentialbenefitssuchascapitalappreciation,dividends,andtheopportunityforhighreturns.However,italsocarriesrisks,includingmarketrisk,whichistheriskofthestock'spricedecliningduetomarketfluctuations,andcompany-specificrisk,whichistheriskofthecompanyperformingpoorly.Itisimportantforinvestorstocarefullyevaluatetherisksandbenefitsbeforeinvestinginstocks.3.Discusstheroleofmutualfundsindiversifyinginvestmentportfolios.Answer:Mutualfundsplayasignificantroleindiversifyinginvestmentportfolios.Theypoolfundsfrommultipleinvestorstoinvestinadiversifiedp