2026年銀行初級職業(yè)資格英語筆試及答案考試時長：120分鐘滿分：100分班級：__________姓名：__________學(xué)號：__________得分：__________試卷名稱：2026年銀行初級職業(yè)資格英語筆試考核對象：銀行初級職業(yè)資格考生題型分值分布：-判斷題（共10題，每題2分，總分20分）-單選題（共10題，每題2分，總分20分）-多選題（共10題，每題2分，總分20分）-案例分析（共3題，每題6分，總分18分）-論述題（共2題，每題11分，總分22分）總分：100分---一、判斷題（共10題，每題2分，總分20分）1.Theword"bank"inEnglishoriginallyreferredtoaraisedpathorcauseway.2."Liquidity"inbankingmeanstheeasewithwhichassetscanbeconvertedintocash.3.A"checkingaccount"isthesameasa"savingsaccount"inmostbankingsystems.4.The"FederalReserve"isthecentralbankoftheUnitedStates.5."Compoundinterest"growsfasterthan"simpleinterest"becauseitiscalculatedonbothprincipalandaccumulatedinterest.6.A"creditscore"determinesaborrower'screditworthinessbasedontheirfinancialhistory.7."Depositoryinstitutions"arefinancialinstitutionsthatacceptdepositsandprovideloans.8.The"primerate"istheinterestrateatwhichcommercialbankslendtoeachother.9."Forex"standsfor"ForeignExchange,"themarketforinternationalcurrencytrading.10."Escrow"isalegalarrangementwhereathirdpartyholdsfundsorassetsuntilconditionsaremet.二、單選題（共10題，每題2分，總分20分）1.WhichofthefollowingisNOTapartofabank'sbalancesheet?A.AssetsB.LiabilitiesC.EquityD.Netprofit2.Whatdoes"CD"standforinbanking?A.CertificateofDepositB.CashDepositC.CurrentDepositD.CapitalDeposit3.Whichfinancialratiomeasuresabank'sabilitytomeetshort-termobligations?A.Debt-to-equityratioB.CurrentratioC.ReturnonassetsD.Price-to-earningsratio4.Whatistheprimarypurposeofa"moneymarketaccount"?A.Long-termsavingsB.Short-termborrowingC.High-interestinvestmentsD.Emergencyliquidity5.Whichofthefollowingisariskassociatedwith"interestraterisk"?A.CreditriskB.MarketriskC.LiquidityriskD.Operationalrisk6.Whatdoes"SWIFT"standforininternationalbanking?A.SocietyforWorldwideInterbankFinancialTelecommunicationB.SecureWorldwideInformationTransferC.SystematicWorldwideInterbankTransferD.SocietyforWorldwideFinancialTransfer7.Whichofthefollowingisacommonmethodforcalculating"inflation"?A.GDPdeflatorB.ConsumerPriceIndex(CPI)C.BothAandBD.NeitherAnorB8.Whatisthemainfunctionofa"centralbank"?A.ToregulatecommercialbanksB.ToprovideloanstoindividualsC.TomanagenationalcurrencyD.Totradestocks9.Whichofthefollowingisatoolusedtocontrol"moneysupply"?A.OpenmarketoperationsB.ReserverequirementsC.BothAandBD.NeitherAnorB10.Whatdoes"KYC"standforinbanking?A.KnowYourCustomerB.KnowYourCreditC.KeepYourCapitalD.KnowYourCost三、多選題（共10題，每題2分，總分20分）1.Whichofthefollowingareexamplesof"bankassets"?A.LoansB.CashreservesC.InvestmentsD.Fixedassets2.Whatarethemaincomponentsofa"bank'scapital"?A.CommonstockB.PreferredstockC.RetainedearningsD.Subordinateddebt3.Whichofthefollowingarerisksassociatedwith"creditrisk"?A.DefaultB.FraudC.MarketvolatilityD.Interestratechanges4.Whatarethefunctionsofa"checkingaccount"?A.DepositfundsB.WithdrawcashC.PaybillsD.Earninterest5.Whichofthefollowingaretoolsusedbycentralbanksto"controlinflation"?A.RaisinginterestratesB.LoweringreserverequirementsC.ConductingopenmarketsalesD.Implementingquantitativeeasing6.Whatarethebenefitsofa"certificateofdeposit"?A.FixedinterestrateB.NopenaltyforearlywithdrawalC.HigherinterestthansavingsaccountsD.Lowrisk7.Whichofthefollowingarepartsofthe"bankingregulatoryframework"?A.BaselAccordsB.Glass-SteagallActC.Dodd-FrankActD.SecuritiesandExchangeAct8.Whatarethemaintypesof"bankfees"?A.MonthlymaintenancefeesB.OverdraftfeesC.ATMfeesD.Transactionfees9.Whichofthefollowingareexamplesof"internationalbanking"?A.ForextradingB.Cross-borderloansC.MultinationalbankingD.Localcurrencydeposits10.Whatarethekeyfactorsin"customerrelationshipmanagement"(CRM)inbanking?A.PersonalizedservicesB.LoyaltyprogramsC.RiskassessmentD.Marketingcampaigns四、案例分析（共3題，每題6分，總分18分）CaseStudy1:Abankcustomer,Mr.Smith,hasasavingsaccountwithabalanceof$50,000.Thebankoffersacertificateofdeposit(CD)witha2%annualinterestrate,compoundedquarterly,foratermof1year.Mr.Smithisconsideringwhethertokeephismoneyinthesavingsaccount,whichearns1%annualinterest,ortoinvestintheCD.Questions:1.CalculatethefuturevalueofMr.Smith'sinvestmentintheCDafter1year.2.WhatisthedifferenceinearningsbetweentheCDandthesavingsaccount?3.ShouldMr.SmithchoosetheCD?Whyorwhynot?CaseStudy2:Abankisevaluatingitscreditriskexposure.Ithas$1millioninloans,witha5%defaultrate.Thebankalsohas$500,000incashreserves.Questions:1.Calculatetheexpectedlossduetodefaults.2.Whatisthebank'slossgivendefault(LGD)?3.Howcanthebankmitigatecreditrisk?CaseStudy3:Acentralbankisconsideringraisingthereserverequirementforcommercialbanksfrom10%to12%.Thebankingsystemhastotaldepositsof$1billion.Questions:1.Calculatetheincreaseinreservesrequiredfromcommercialbanks.2.Whatistheimpactofthischangeonthemoneysupply?3.Whymightthecentralbankimplementthispolicy?五、論述題（共2題，每題11分，總分22分）1.Discusstheimportanceof"regulatorycompliance"inbanking.Whatarethekeyregulationsthatbanksmustfollow,andhowdotheyimpactbankingoperations?2.Explaintheconceptof"interestraterisk"inbanking.Howcanbanksmanagethisrisk,andwhatarethepotentialconsequencesoffailingtodoso?---標準答案及解析一、判斷題1.√(Theword"bank"originallyreferredtoaraisedpathorcausewaynearrivers,usedforsafepassage.)2.√(Liquidityreferstotheeaseofconvertingassetsintocashwithoutloss.)3.×(Checkingaccountsarefordailytransactions,whilesavingsaccountsareforlong-termsavings.)4.√(TheFederalReserveisthecentralbankoftheU.S.)5.√(Compoundinterestearnsinterestoninterest,makingitgrowfasterthansimpleinterest.)6.√(Acreditscorereflectsaborrower'sfinancialreliability.)7.√(Depositoryinstitutionsincludebanks,creditunions,andsavingsandloanassociations.)8.×(Theprimerateistheinterestratecommercialbankschargetheirmostcreditworthycustomers.)9.√(Forexisthemarketfortradingforeigncurrencies.)10.√(Escrowinvolvesathirdpartyholdingfundsuntilconditionsaremet.)二、單選題1.D(Netprofitisanincomestatementitem,notabalancesheetcomponent.)2.A(CDstandsforCertificateofDeposit.)3.B(Thecurrentratiomeasuresshort-termliquidity.)4.D(Moneymarketaccountsprovideemergencyliquidity.)5.B(Interestrateriskarisesfromchangesinmarketrates.)6.A(SWIFTstandsforSocietyforWorldwideInterbankFinancialTelecommunication.)7.C(BothGDPdeflatorandCPIareusedtomeasureinflation.)8.C(Centralbanksmanagenationalcurrencyandmonetarypolicy.)9.C(Bothopenmarketoperationsandreserverequirementscontrolmoneysupply.)10.A(KYCstandsforKnowYourCustomer.)三、多選題1.A,B,C(Loans,cashreserves,andinvestmentsarebankassets.)2.A,B,C(Commonstock,preferredstock,andretainedearningsarebankcapital.)3.A,B(Defaultandfraudarecreditrisks.)4.A,B,C(Checkingaccountsallowdeposits,withdrawals,andbillpayments.)5.A,C(Raisinginterestratesandopenmarketsalesreduceinflation.)6.A,C,D(CDsofferfixedinterest,higherreturns,andlowrisk.)7.A,B,C(BaselAccords,Glass-SteagallAct,andDodd-FrankActarekeyregulations.)8.A,B,C,D(Bankfeesincludemaintenance,overdraft,ATM,andtransactionfees.)9.A,B,C(Forextrading,cross-borderloans,andmultinationalbankingareinternationalbanking.)10.A,B,D(CRMinbankingfocusesonpersonalizedservices,loyaltyprograms,andmarketing.)四、案例分析CaseStudy1:1.FuturevalueofCD=$50,000×(1+0.02/4)^4=$51,040.402.Difference=$51,040.40-($50,000×1.01)=$51,040.40-$50,500=$540.403.Mr.SmithshouldchoosetheCDbecauseitoffershigherearnings($540.40more).CaseStudy2:1.Expectedloss=$1,000,000×5%=$50,0002.LGD=$50,000/$1,000,000=5%3.Thebankcanmitigatecreditriskbydiversifyingloans,requiringcollateral,orimprovingunderwritingstandards.CaseStudy3:1.Increaseinreserves=$1,000,000×(12%-10%)=$20,0002.Reducingreservesdecreasesthemoneysupply.3.Thecentr