2026年銀行從業(yè)資格英語及答案考試時長：120分鐘滿分：100分班級：__________姓名：__________學號：__________得分：__________試卷名稱：2026年銀行從業(yè)資格英語試卷考核對象：銀行從業(yè)資格英語考生題型分值分布：-判斷題（10題，每題2分）總分20分-單選題（10題，每題2分）總分20分-多選題（10題，每題2分）總分20分-案例分析（3題，每題6分）總分18分-論述題（2題，每題11分）總分22分總分：100分---一、判斷題（每題2分，共20分）1.Theterm"banking"refersexclusivelytoactivitiesconductedbycommercialbanks.2.A"checkingaccount"isthesameasa"savingsaccount"inallfinancialinstitutions.3.TheFederalReserveSystemisthecentralbankoftheUnitedStates.4."Interestrate"isthefeechargedbyabankforborrowingmoney.5."Currencyexchange"involvestheconversionofonecountry'scurrencyintoanother.6.A"certificateofdeposit"(CD)offershigherinterestratesthanasavingsaccount.7."Creditscore"determinesaborrower'sabilitytorepayloans.8."Debitcard"transactionsareprocessedimmediatelyfromtheaccountholder'scheckingaccount.9."Onlinebanking"allowscustomerstomanagetheiraccountsthroughtheinternet.10."Bankingregulation"referstotherulessetbygovernmentstooverseefinancialinstitutions.二、單選題（每題2分，共20分）1.WhichofthefollowingisNOTaprimaryfunctionofacommercialbank?A.AcceptingdepositsB.ProvidingloansC.IssuingstocksD.Facilitatingpayments2.Whatisthemainpurposeofa"savingsaccount"?A.ToprovidehighliquidityfordailytransactionsB.ToofferthehighestinterestratesC.Tobeusedforlong-termsavingsD.Tobeusedforbusinesstransactions3.Whichfinancialinstitutionismostlikelytooffer"certificateofdeposit"(CD)products?A.InvestmentfirmsB.CommercialbanksC.InsurancecompaniesD.Mutualfunds4.Whatdoesa"creditscore"primarilyindicate?A.IncomelevelB.Debt-to-incomeratioC.CreditworthinessD.Employmenthistory5.Whichofthefollowingisacommonfeatureof"debitcards"?A.TheyallowborrowinguptoacreditlimitB.TheyrequiremonthlyinterestpaymentsC.Theyarelinkedtotheaccountholder'scheckingaccountD.Theyareusedforinvestinginstocks6.Whatistheroleofthe"FederalReserveSystem"intheU.S.economy?A.ToregulatethestockmarketB.TooverseemonetarypolicyC.TomanagefederaltaxesD.Toregulateinsurancecompanies7.Whichofthefollowingisanexampleof"onlinebanking"?A.VisitingabankbranchinpersonB.UsingamobilebankingappC.SubmittingacheckviamailD.Callingcustomerserviceforaccountinquiries8.Whatistheprimarypurposeof"bankingregulation"?A.TomaximizeprofitsforbanksB.ToprotectconsumersandfinancialstabilityC.ToreducecompetitionamongbanksD.Toincreasethenumberofbankbranches9.Whichofthefollowingisakeybenefitofa"checkingaccount"?A.HighinterestratesB.NominimumbalancerequirementC.LimitedtransactionfeesD.Fixed-termsavings10.Whatdoes"currencyexchange"involve?A.TradingstocksandbondsB.ConvertingonecurrencytoanotherC.InvestinginrealestateD.Lendingmoneytoindividuals三、多選題（每題2分，共20分）1.Whichofthefollowingarecommonfunctionsofacommercialbank?A.AcceptingdepositsB.ProvidingloansC.IssuingcreditcardsD.FacilitatinginternationaltradeE.Managingmutualfunds2.Whatarethekeyfactorsthatinfluencea"creditscore"?A.PaymenthistoryB.CreditutilizationC.LengthofcredithistoryD.IncomelevelE.Debt-to-incomeratio3.Whichofthefollowingareexamplesof"digitalbanking"services?A.MobilecheckdepositB.OnlinebillpayC.VideobankingD.ATMwithdrawalsE.Automatedtellermachine(ATM)transactions4.Whatarethemainpurposesof"bankingregulation"?A.ToprotectconsumersB.TomaintainfinancialstabilityC.TopromotefaircompetitionD.TomaximizebankprofitsE.Toreducethenumberofbankbranches5.Whichofthefollowingarecommontypesof"deposits"offeredbybanks?A.CheckingaccountsB.SavingsaccountsC.Certificatesofdeposit(CDs)D.MoneymarketaccountsE.Fixed-termdeposits6.Whatarethekeybenefitsof"onlinebanking"?A.ConvenienceB.24/7accessC.LowerfeesD.FastertransactionsE.Higherinterestrates7.Whichofthefollowingarecommonrisksassociatedwith"debtfinancing"?A.InterestrateriskB.CreditriskC.LiquidityriskD.InflationriskE.Marketrisk8.Whatarethemaincomponentsof"monetarypolicy"?A.InterestrateadjustmentsB.OpenmarketoperationsC.ReserverequirementsD.CurrencyexchangeratesE.Fiscalspending9.Whichofthefollowingarecommonfeaturesof"debitcards"?A.TheyrequiremonthlyinterestpaymentsB.Theyarelinkedtotheaccountholder'scheckingaccountC.TheyallowborrowinguptoacreditlimitD.TheyareusedfordailytransactionsE.Theyofferrewardsprograms10.Whatarethemainpurposesof"currencyexchange"?A.FacilitatinginternationaltradeB.TouristtravelC.InvestmentpurposesD.GovernmentpolicyE.Personalremittances四、案例分析（每題6分，共18分）CaseStudy1:AcustomernamedJohnwantstoopenanewbankaccount.Heislookingforanaccountthatoffershighliquidityfordailytransactionsandsomeinterestearnings.Hehasastableincomeandwantstoavoidmonthlyfees.WhichtypeofaccountwouldbemostsuitableforJohn,andwhy?CaseStudy2:Acompanynamed"GlobalTradeInc."needstoconvertUSD1,000,000intoEURforaninternationaltransaction.Thecurrentexchangerateis1USD=0.85EUR.Thecompanyalsoincursacurrencyexchangefeeof0.5%.HowmuchEURwillthecompanyreceive,andwhatisthetotalcostofthetransaction?CaseStudy3:AcustomernamedSarahhasacreditscoreof750.SheisapplyingforaloanwithacreditlimitofUSD50,000.Thebankoffersaninterestrateof5%forloanswithacreditscoreabove700.IfSarahborrowsUSD30,000,whatwillbehertotalinterestpaymentoveroneyear?五、論述題（每題11分，共22分）1.Discusstheimportanceof"bankingregulation"inmaintainingfinancialstability.Provideexamplesofhowregulationscanprotectconsumersandpreventfinancialcrises.2.Explainthedifferencesbetween"checkingaccounts"and"savingsaccounts."Discussthebenefitsandlimitationsofeachtypeofaccountforindividualsandbusinesses.---標準答案及解析一、判斷題1.×(Bankingincludesactivitiesconductedbyvariousfinancialinstitutions,notjustcommercialbanks.)2.×(Checkingaccountsaredesignedfordailytransactions,whilesavingsaccountsofferhigherinterestrates.)3.√4.√5.√6.√7.√8.√9.√10.√解析：1.Bankingencompassesawiderangeoffinancialactivities,includingthosebyinvestmentbanks,creditunions,andotherinstitutions.2.Checkingaccountsaredesignedforliquidity,whilesavingsaccountsprioritizeinterestearnings.3.TheFederalReserveSystemisthecentralbankoftheU.S.4.Interestratesarethecostofborrowingmoney.5.Currencyexchangeinvolvesconvertingonecurrencytoanother.6.CDstypicallyofferhigherinterestratesthansavingsaccounts.7.Creditscoresreflectaborrower'screditworthiness.8.Debitcardtransactionsaredeductedfromthelinkedcheckingaccount.9.Onlinebankingallowsaccountmanagementviatheinternet.10.Bankingregulationinvolvesgovernmentoversighttoensurefinancialstability.二、單選題1.C2.A3.B4.C5.C6.B7.B8.B9.A10.B解析：1.Commercialbanksprimarilyfocusondeposits,loans,andpayments,notstockissuance.2.Checkingaccountsaredesignedfordailytransactions.3.CommercialbankscommonlyofferCDs.4.Creditscoresindicatecreditworthiness.5.Debitcardsarelinkedtocheckingaccounts.6.TheFederalReserveoverseesmonetarypolicy.7.Mobilebankingappsareaformofonlinebanking.8.Bankingregulationprotectsconsumersandfinancialstability.9.Checkingaccountsofferhighliquidity.10.Currencyexchangeinvolvesconvertingonecurrencytoanother.三、多選題1.A,B,C,D2.A,B,C,E3.A,B,C4.A,B,C5.A,B,C,D6.A,B,C,D7.A,B,C,D,E8.A,B,C9.B,D10.A,B,C,E解析：1.Commercialbanksprovidedeposits,loans,creditcards,andinternationaltradefacilitation.2.Creditscoresareinfluencedbypaymenthistory,creditutilization,credithistory,anddebt-to-incomeratio.3.Digitalbankingincludesmobilecheckdeposit,onlinebillpay,andvideobanking.4.Bankingregulationprotectsconsumers,maintainsstability,andpromotesfaircompetition.5.Commondepositsincludechecking,savings,CDs,andmoneymarketaccounts.6.Onlinebankingoffersconvenience,24/7access,lowerfees,andfastertransactions.7.Debtfinancingrisksincludeinterestrate,credit,liquidity,inflation,andmarketrisks.8.Monetarypolicyincludesinterestrateadjustments,openmarketoperations,andreserverequirements.9.Debitcardsarelinkedtocheckingaccountsandusedfordailytransactions.10.Currencyexchangefacilitatesinternationaltrade,touristtravel,investment,andremittances.四、案例分析CaseStudy1:Answer:AcheckingaccountwouldbemostsuitableforJohn.Checkingaccountsofferhighliquidity,makingthemidealfordailytransactions,andsomebanksofferinterest-bearingcheckingaccountswithnominimumbalance.ThismeetsJohn'sneedsforconvenienceandsomeinterestearningswhileavoidingmonthlyfees.CaseStudy2:Answer:-Exchangerate:1USD=0.85EUR-AmountinEUR:1,000,000USD0.85=850,000EUR-Exchangefee:0.5%of1,000,000USD=5,000USD-Totalcost:850,000EUR+5,000USD(convertedtoEURat0.85)=850,000EUR+4,250EUR=854,250EURTotalEURreceived:850,000EURCaseStudy3:Answer:-Interestrate:5%-Loanamount:USD30,000-Interestpayment:30,00