金融學(xué)雙語(yǔ)考試題及答案

一、單項(xiàng)選擇題（每題2分，共10題）1.Theprocessofbuyingandsellingassetsoverashortperiodoftimeisknownas:A.Long-terminvestmentB.Short-termtradingC.CapitalbudgetingD.PortfoliomanagementAnswer:B2.Whichofthefollowingisaprimarymarket?A.NewYorkStockExchangeB.NASDAQC.LondonStockExchangeD.InitialPublicOffering(IPO)Answer:D3.Therateatwhichthecentralbanklendsmoneytocommercialbanksisknownas:A.DiscountrateB.FederalfundsrateC.PrimerateD.TreasuryrateAnswer:A4.Theconceptofdiversificationininvestmentisbasedon:A.TheideathatallassetsareperfectlycorrelatedB.TheideathatdifferentassetshavelowcorrelationsC.ThebeliefthathigherriskalwaysleadstohigherreturnsD.ThebeliefthatpastperformanceisagoodindicatoroffutureresultsAnswer:B5.Themainpurposeofabondisto:A.ProvideasteadyincomestreamtotheinvestorB.IncreasethevalueofthecompanyC.DecreasethecostofcapitalD.IncreasetheliquidityofthecompanyAnswer:A6.Theprocessofevaluatingacompany'sfinancialperformanceandprospectsisknownas:A.FinancialplanningB.FinancialanalysisC.FinancialmanagementD.FinancialreportingAnswer:B7.Theterm"float"inthecontextofbankingrefersto:A.ThetimebetweenwhenacheckisdepositedandwhenitisclearedB.TheamountofmoneyabankhasinreserveC.TheamountofmoneyabanklendsoutD.TheamountofmoneyabankholdsinvaultsAnswer:A8.Theprimarygoalofamutualfundisto:A.MaximizetheriskofinvestmentsB.MinimizetheriskofinvestmentsC.GeneratehighreturnsforinvestorsD.ProvideliquiditytothemarketAnswer:C9.Theconceptof"timevalueofmoney"isbasedontheideathat:A.MoneytodayisworthmorethanmoneyinthefutureB.MoneyinthefutureisworthmorethanmoneytodayC.ThevalueofmoneydoesnotchangeovertimeD.ThevalueofmoneyisdeterminedbymarketconditionsAnswer:A10.Theprocessofraisingcapitalbysellingsharesofacompanytothepublicisknownas:A.PrivateplacementB.InitialPublicOffering(IPO)C.RightsissueD.BondissuanceAnswer:B二、多項(xiàng)選擇題（每題2分，共10題）1.Thefollowingareexamplesoffinancialmarkets:A.StockmarketB.BondmarketC.MoneymarketD.ForeignexchangemarketE.CommoditymarketAnswer:A,B,C,D,E2.Thefollowingarefunctionsofacentralbank:A.ControllinginflationB.RegulatingcommercialbanksC.ManagingthenationalcurrencyD.ProvidingfinancialservicestothegovernmentE.PromotingeconomicgrowthAnswer:A,B,C,D,E3.Thefollowingaretypesoffinancialinstruments:A.StocksB.BondsC.MutualfundsD.DerivativesE.OptionsAnswer:A,B,C,D,E4.Thefollowingarefactorsthataffectthecostofcapital:A.Risk-freerateB.MarketriskpremiumC.BetaD.CorporatetaxrateE.InflationrateAnswer:A,B,C,D,E5.Thefollowingarecomponentsofthebalancesheet:A.AssetsB.LiabilitiesC.EquityD.RevenueE.ExpensesAnswer:A,B,C6.Thefollowingaremethodsoffinancialforecasting:A.HistoricaldataanalysisB.RegressionanalysisC.ScenarioanalysisD.Break-evenanalysisE.FinancialmodelingAnswer:A,B,C,D,E7.Thefollowingaretypesofinvestmentrisks:A.MarketriskB.CreditriskC.LiquidityriskD.OperationalriskE.PoliticalriskAnswer:A,B,C,D,E8.Thefollowingarefunctionsofacommercialbank:A.AcceptingdepositsB.ProvidingloansC.OfferingcreditcardsD.FacilitatingpaymentsE.ProvidinginvestmentadviceAnswer:A,B,C,D,E9.Thefollowingarefactorsthataffectthedemandformoney:A.PricelevelB.InterestrateC.IncomelevelD.TransactionvolumeE.FinancialinnovationAnswer:A,B,C,D,E10.Thefollowingaretypesoffinancialratios:A.LiquidityratiosB.ProfitabilityratiosC.SolvencyratiosD.EfficiencyratiosE.ValuationratiosAnswer:A,B,C,D,E三、判斷題（每題2分，共10題）1.Thestockmarketisaprimarymarketwherecompaniesraisecapitalbysellingnewsharestothepublic.Answer:False2.TheFederalReserveisthecentralbankoftheUnitedStates.Answer:True3.Theconceptofdiversificationcaneliminatealltypesofinvestmentrisk.Answer:False4.Abondisadebtinstrumentthatprovidesafixedincometotheinvestor.Answer:True5.Thetimevalueofmoneysuggeststhatadollartodayisworthmorethanadollarinthefuture.Answer:True6.Amutualfundpoolsmoneyfrommanyinvestorstoinvestinadiversifiedportfolioofstocksandbonds.Answer:True7.Theprimarygoaloffinancialmanagementistomaximizethewealthoftheshareholders.Answer:True8.Theprocessoffinancialplanninginvolvessettingfinancialgoalsandcreatingaplantoachievethem.Answer:True9.Thecostofcapitalistheminimumreturnthatacompanymustearnonitsinvestmentstosatisfyitsinvestors.Answer:True10.Thedemandformoneyisinfluencedbytheinterestrate,incomelevel,andpricelevel.Answer:True四、簡(jiǎn)答題（每題5分，共4題）1.Whatisthedifferencebetweenastockandabond?Answer:Astockrepresentsownershipinacompany,andtheshareholderhastherighttovoteandreceiveaportionofthecompany'sprofits.Abondisadebtinstrumentwheretheinvestorlendsmoneytothecompanyorgovernment,andinreturn,theborrowerpaysinterestandrepaystheprincipalamountatmaturity.2.Whatarethemainfunctionsofacentralbank?Answer:Themainfunctionsofacentralbankincludecontrollinginflation,regulatingcommercialbanks,managingthenationalcurrency,providingfinancialservicestothegovernment,andpromotingeconomicgrowth.Centralbanksalsoplayacrucialroleinmaintainingfinancialstabilityandimplementingmonetarypolicy.3.Whatistheconceptoftimevalueofmoney?Answer:Theconceptoftimevalueofmoneystatesthatadollartodayisworthmorethanadollarinthefutureduetothepotentialearningcapacityofmoney.Thisconceptisbasedontheideathatmoneycanbeinvestedandearnreturnsovertime,makingitmorevaluableinthepresent.4.Whatarethemaintypesoffinancialrisks?Answer:Themaintypesoffinancialrisksincludemarketrisk,creditrisk,liquidityrisk,operationalrisk,andpoliticalrisk.Marketriskreferstotheriskoflossesduetofluctuationsinmarketprices.Creditriskistheriskofdefaultbyborrowers.Liquidityriskistheriskofnotbeingabletoconvertassetsintocashquickly.Operationalriskistheriskoflossesduetoinadequateorfailedinternalprocesses.Politicalriskistheriskoflossesduetopoliticaleventsorinstability.五、討論題（每題5分，共4題）1.Discusstheimportanceofdiversificationininvestment.Answer:Diversificationiscrucialininvestmentasithelpstoreduceriskbyspreadinginvestmentsacrossdifferentassets.Byinvestinginavarietyofassetsthatarenotperfectlycorrelated,investorscanminimizetheimpactofanysingleinvestmentperformingpoorly.Diversificationalsoallowsinvestorstobenefitfromthepotentialreturnsofdifferentassetclasses,therebycreatingamorebalancedandresilientinvestmentportfolio.2.Discusstheroleoffinancialplanninginpersonalfinance.Answer:Financialplanningplaysavitalroleinpersonalfinanceasithelpsindividualssetfinancialgoals,createabudget,anddevelopstrategiestoachievethosegoals.Itinvolvesassessingone'sfinancialsituation,identifyingareasforimprovement,andmakinginformeddecisionsaboutsaving,investing,andspending.Financialplanningalsohelpsindividualsprepareforfutureeventssuchasretirement,education,andemergencies,ensuringlong-termfinancialsecurity.3.Discusstheimpactofinflationontheeconomy.Answer:Inflationhasasignificantimpactontheeconomyasiterodesthepurchasingpowerofmoney.Wheninflationishigh,thepricesofgoodsandservicesrise,reducingthevalueofmoney.Thiscanleadtoadecreaseinconsumerspendingandinvestment,aspeopleandbusinessesmaydel