2025年銀行招聘英語真題及答案

一、單項選擇題（每題2分，共10題）1.Whatisthemainfunctionofthecentralbank?A.ToregulatethestockmarketB.TocontrolthemoneysupplyC.TomanagethepostalserviceD.TooverseethetelecommunicationssectorAnswer:B2.Whichofthefollowingisacharacteristicofadebitcard?A.ItallowsyoutoborrowmoneyB.ItisusedformakingpaymentsC.ItisissuedbythegovernmentD.ItearnsyouinterestAnswer:B3.Whatdoestheterm"primerate"referto?A.Theinterestrateforprimeminister'sloansB.ThelowestinterestrateofferedbybanksC.TheinterestrateforprimecustomersD.TherateatwhichbankslendtoeachotherAnswer:C4.Whichfinancialstatementshowsacompany'sfinancialpositionataspecificpointintime?A.IncomestatementB.BalancesheetC.CashflowstatementD.StatementofretainedearningsAnswer:B5.Whatisthepurposeofacreditscore?A.TodetermineyoureligibilityforajobB.ToassessyourcreditworthinessC.TocalculateyourincometaxD.ToevaluateyourinvestmentperformanceAnswer:B6.Whichofthefollowingisatypeofmutualfund?A.BondfundB.MoneymarketfundC.Exchange-tradedfundD.AlloftheaboveAnswer:D7.Whatisthetermfortheprocessofbuyingbackacompany'sownsharesfromthemarket?A.DividendpayoutB.StocksplitC.SharebuybackD.MergersandacquisitionsAnswer:C8.Whichofthefollowingisariskassociatedwithinvestinginstocks?A.InflationriskB.LiquidityriskC.InterestrateriskD.AlloftheaboveAnswer:D9.Whatistheprimarypurposeofasavingsaccount?A.ToearnhighinterestB.TofacilitatetransactionsC.ToprovideasafeplaceforyourmoneyD.TooffertaxbenefitsAnswer:C10.WhichofthefollowingisacomponentoftheConsumerPriceIndex(CPI)?A.HousingcostsB.EducationexpensesC.HealthcarecostsD.AlloftheaboveAnswer:D二、多項選擇題（每題2分，共10題）1.Whatarethefunctionsofacommercialbank?A.AcceptingdepositsB.ProvidingloansC.IssuingcurrencyD.ActingasapaymentintermediaryAnswer:A,B,D2.Whichofthefollowingaretypesoffinancialrisks?A.CreditriskB.MarketriskC.OperationalriskD.LiquidityriskAnswer:A,B,C,D3.Whatarethecomponentsofabalancedbudget?A.RevenueB.ExpenditureC.SurplusD.DeficitAnswer:A,B,C,D4.Whichofthefollowingareexamplesoffixed-incomesecurities?A.BondsB.StocksC.CertificatesofdepositD.AnnuitiesAnswer:A,C,D5.Whatarethebenefitsofdiversificationininvestmentportfolios?A.ReducesriskB.IncreasesreturnsC.EnhancesliquidityD.ProvidestaxadvantagesAnswer:A6.WhichofthefollowingarefunctionsoftheFederalReserve?A.ConductingmonetarypolicyB.SupervisingandregulatingfinancialinstitutionsC.ProvidingfinancialservicestodepositoryinstitutionsD.Managingthenation'smoneysupplyAnswer:A,B,C,D7.Whatarethetypesofinterestrates?A.FixedinterestrateB.VariableinterestrateC.NominalinterestrateD.RealinterestrateAnswer:A,B,C,D8.Whichofthefollowingarefactorsthataffectacountry'seconomicgrowth?A.LaborforceB.CapitalinvestmentC.TechnologyD.PoliticalstabilityAnswer:A,B,C,D9.Whatarethecomponentsofacompany'sincomestatement?A.RevenueB.ExpensesC.NetincomeD.EarningsbeforeinterestandtaxesAnswer:A,B,C,D10.Whichofthefollowingareexamplesoffinancialderivatives?A.OptionsB.FuturesC.SwapsD.ForwardsAnswer:A,B,C,D三、判斷題（每題2分，共10題）1.Thecentralbankisresponsibleforissuingcurrency.True2.Adebitcardallowsyoutoborrowmoney.False3.Theprimerateisthelowestinterestrateofferedbybanks.False4.Abalancesheetshowsacompany'sfinancialpositionataspecificpointintime.True5.Acreditscoreisusedtoassessyourcreditworthiness.True6.Amutualfundisatypeofexchange-tradedfund.False7.Asharebuybackistheprocessofbuyingbackacompany'sownsharesfromthemarket.True8.Investinginstocksisassociatedwithvariousrisks,includinginflationrisk.True9.Asavingsaccountisprimarilyusedtofacilitatetransactions.False10.TheConsumerPriceIndex(CPI)includeshousingcosts,educationexpenses,andhealthcarecosts.True四、簡答題（每題5分，共4題）1.Whataretheprimaryfunctionsofacommercialbank?Answer:Theprimaryfunctionsofacommercialbankincludeacceptingdepositsfromcustomers,providingloansandcreditfacilities,actingasapaymentintermediarybyfacilitatingtransactions,andofferingvariousfinancialservicessuchaswealthmanagementandinvestmentadvice.2.Whatisthesignificanceofabalancedbudget?Answer:Abalancedbudgetissignificantbecauseitensuresthatagovernment'srevenuesmatchitsexpenditures,promotingfiscalresponsibilityandstability.Ithelpsincontrollinginflation,reducingnationaldebt,andensuringsustainableeconomicgrowth.3.Whatarethebenefitsofdiversificationininvestmentportfolios?Answer:Diversificationininvestmentportfolioshelpsinreducingriskbyspreadinginvestmentsacrossvariousassetclasses,sectors,andgeographies.Itensuresthatpoorperformanceinoneinvestmentisoffsetbygainsinothers,providingmorestablereturnsandprotectingtheportfoliofrommarketvolatility.4.WhatarethefunctionsoftheFederalReserve?Answer:TheFederalReservehasseveralkeyfunctions,includingconductingmonetarypolicytocontrolinflationandstabilizetheeconomy,supervisingandregulatingfinancialinstitutionstoensuretheirsafetyandsoundness,providingfinancialservicestodepositoryinstitutions,andmanagingthenation'smoneysupplytopromoteeconomicgrowth.五、討論題（每題5分，共4題）1.Discusstheroleofthecentralbankinacountry'seconomy.Answer:Thecentralbankplaysacrucialroleinacountry'seconomybyformulatingandimplementingmonetarypolicytocontrolinflation,stabilizethecurrency,andpromoteeconomicgrowth.Itregulatesandsupervisescommercialbanksandfinancialinstitutions,ensuresthestabilityofthefinancialsystem,andactsasthelenderoflastresortduringfinancialcrises.Additionally,itmanagesthenation'smoneysupplyandinterestratestoinfluenceeconomicactivity.2.Explaintheimportanceofcreditscoresinpersonalfinance.Answer:Creditscoresareimportantinpersonalfinanceastheyreflectanindividual'screditworthinessandfinancialresponsibility.Ahighcreditscorecanleadtobetterloanterms,lowerinterestrates,andeasieraccesstocredit,whilealowcreditscorecanresultinhigherinterestrates,loandenials,andlimitedfinancialopportunities.Creditscoresareusedbylenders,landlords,andevenemployerstoassesstheriskassociatedwithextendingcreditorservicestoanindividual.3.Discussthefactorsthataffectacountry'seconomicgrowth.Answer:Severalfactorsaffectacountry'seconomicgrowth,includingthesizeandqualityofthelaborforce,capitalinvestment,technologicaladvancements,andpoliticalstability.Askilledandproductiveworkforce,alongwithsufficientcapitalinvestment,candriveeconomicgrowthbyincreasingproductivityandoutput.Technologicaladvancementscanleadtoinnovationandefficiencyimprovements,whilepoliticals