2026年金融英語(yǔ)水平認(rèn)證考試模擬習(xí)題集含答案Part1:ReadingComprehension(閱讀理解)共5題，每題2分，總分10分Instructions:Readthefollowingpassagescarefullyandchoosethebestanswerforeachquestionbasedontheprovidedcontext.Passage1(GlobalFinancialStabilityReport-IMF)TheInternationalMonetaryFund(IMF)releasedareportin2024highlightingrisinggeopoliticaltensionsandtheirimpactonglobalfinancialstability.Thereportwarnedthatprolongedtradedisputesandsanctionscouldleadtoincreasedmarketvolatility.Centralbanksinmajoreconomies,includingtheFederalReserve,theEuropeanCentralBank,andtheBankofJapan,wereadvisedtoremaincautiousintheirmonetarypolicydecisions.Thereportalsonotedthatemergingmarkets,particularlyinSoutheastAsiaandLatinAmerica,weremostvulnerabletocapitaloutflowsduetotightergloballiquidityconditions.Questions:1.WhatisthemainconcernraisedbytheIMFinthereport?A)InflationindevelopedeconomiesB)GeopoliticaltensionsaffectingfinancialstabilityC)EmergingmarketdebtcrisesD)Centralbankpolicycoordinationfailures2.Whichregionismostvulnerabletocapitaloutflowsaccordingtothereport?A)NorthAmericaB)SoutheastAsiaandLatinAmericaC)EuropeD)AfricaPassage2(SustainableFinanceTrends-WorldBank)TheWorldBankpublisheda2025reportonsustainablefinance,emphasizingthegrowingimportanceofEnvironmental,Social,andGovernance(ESG)criteriaininvestmentdecisions.Thereportrevealedthatinstitutionalinvestors,suchaspensionfundsandsovereignwealthfunds,areincreasinglyallocatingcapitaltogreenbondsandrenewableenergyprojects.However,regulatorygapsinsomejurisdictions,particularlyinAfricaandtheMiddleEast,hinderthedevelopmentofsustainablefinancemarkets.ThereportcalledforenhancedcooperationbetweengovernmentsandfinancialinstitutionstostandardizeESGmetricsglobally.Questions:3.WhatistheprimaryfocusoftheWorldBank’sreportonsustainablefinance?A)TheimpactofclimatechangeonfinancialmarketsB)TheriseofESGcriteriaininvestmentdecisionsC)RegulatorychallengesinemergingmarketsD)Theroleofcentralbanksinsustainablefinance4.Whichgroupofinvestorsismostactivelyinvestingingreenbonds?A)RetailinvestorsB)InstitutionalinvestorsC)PrivateequityfirmsD)VenturecapitalfirmsPassage3(DigitalCurrencyAdoption-BankofEngland)TheBankofEnglandconductedastudyondigitalcurrencyadoptionin2025,findingthat35%ofadultsintheUKhaveuseddigitalpaymentmethods,suchascryptocurrenciesorcentralbankdigitalcurrencies(CBDCs),inthepastyear.Thestudyhighlightedthatyoungergenerations(18-35yearsold)aremorelikelytoadoptdigitalcurrenciescomparedtoolderdemographics.However,concernsaboutregulatoryoversightandpricevolatilityremainsignificantbarrierstowideradoption.TheBankofEnglandrecommendedthatpolicymakersdevelopclearframeworkstoaddresstheseissues.Questions:5.WhatpercentageofadultsintheUKhaveuseddigitalpaymentmethodsinthepastyear?A)20%B)35%C)50%D)65%Part2:Vocabulary(詞匯)共5題，每題1分，總分5分Instructions:Choosethebestwordtofillintheblankbasedonthecontext.1.Thenewfinancialregulationaimsto______marketmanipulationbyimposingstricterpenaltiesonfraudulentactivities.A)preventB)promoteC)encourageD)regulate2.Thecentralbank’sdecisionto______interestrateswasmetwithmixedreactionsfrominvestors.A)hikeB)lowerC)stabilizeD)reverse3.Theinvestmentfirm’s______strategyinvolvesdiversifyingassetsacrossmultiplesectorstomitigaterisk.A)conservativeB)aggressiveC)balancedD)speculative4.Thecompany’sstockprice______sharplyaftertheearningsreportrevealedlower-than-expectedprofits.A)declinedB)roseC)fluctuatedD)stabilized5.The______ofdigitalbankingserviceshastransformedthewayconsumersmanagetheirfinances.A)accessibilityB)complexityC)inefficiencyD)redundancyPart3:Grammar(語(yǔ)法)共5題，每題1分，總分5分Instructions:Choosethecorrectformoftheverborphrasetocompletethesentence.1.Ifthemarket______stable,investorsmayincreasetheirexposuretohigh-riskassets.A)remainsB)remainC)willremainD)remainstobeseen2.Theregulatorycommittee______theproposaluntilfurtherdetailsareprovided.A)hasdelayedB)hasbeendelayingC)willdelayD)delays3.Despitetheeconomicdownturn,thecompany’sprofits______by10%inthelastquarter.A)grewB)hasgrownC)grewD)hasbeengrowing4.Onlywhenthereport______canwemakeafinaldecision.A)willbereleasedB)isreleasedC)releasesD)willhavebeenreleased5.Thebank’s______strategyincludesfocusingonhigh-net-worthclientsintheAsia-Pacificregion.A)investmentB)diversifiedC)targetedD)inclusivePart4:SentenceCompletion(句子補(bǔ)全)共5題，每題2分，總分10分Instructions:Completethefollowingsentenceswiththemostappropriatewordorphrase.1.Thefinancialanalystrecommended______thestockduetoitsstronggrowthpotentialinthenextdecade.A)holdingB)sellingC)diversifyingintoD)shorting2.TheEuropeanCentralBank’sdecisionto______inflationwilllikelyaffectcurrencyexchangerates.A)combatB)ignoreC)tolerateD)boost3.Thecompany’s______strategyinvolvesleveragingtechnologytoimproveoperationalefficiency.A)innovativeB)traditionalC)conservativeD)passive4.Theinvestmentfirm’s______istoattractandretainhigh-net-worthclientsthroughpersonalizedservices.A)objectiveB)liabilityC)obligationD)constraint5.Theriseininterestratesmay______consumerspending,particularlyonbig-ticketitems.A)stimulateB)reduceC)stabilizeD)encouragePart5:Translation(翻譯)共5題，每題2分，總分10分Instructions:TranslatethefollowingsentencesintoEnglish.1.中國(guó)人民銀行最近宣布了一項(xiàng)新的貨幣政策，旨在穩(wěn)定經(jīng)濟(jì)增長(zhǎng)。_ThePeople’sBankofChinarecentlyannouncedanewmonetarypolicyaimedatstabilizingeconomicgrowth._2.該基金會(huì)的目標(biāo)是為發(fā)展中國(guó)家提供可持續(xù)發(fā)展的資金支持。_Thefoundation’sgoalistoprovidefinancialsupportforsustainabledevelopmentindevelopingcountries._3.由于市場(chǎng)波動(dòng)，許多投資者對(duì)長(zhǎng)期投資持謹(jǐn)慎態(tài)度。_Duetomarketvolatility,manyinvestorsarecautiousaboutlong-terminvestments._4.該銀行通過(guò)區(qū)塊鏈技術(shù)提高了跨境支付的安全性和效率。_Thebankhasenhancedthesecurityandefficiencyofcross-borderpaymentsthroughblockchaintechnology._5.政府鼓勵(lì)企業(yè)采用綠色金融工具來(lái)減少碳排放。_Thegovernmentencouragescompaniestoadoptgreenfinancialtoolstoreducecarbonemissions._AnswersandExplanationsPart1:ReadingComprehension1.B)GeopoliticaltensionsaffectingfinancialstabilityExplanation:Thefirstpassageexplicitlymentionsrisinggeopoliticaltensionsastheprimaryconcern.2.B)SoutheastAsiaandLatinAmericaExplanation:Thereporthighlightstheseregionsasmostvulnerabletocapitaloutflows.3.B)TheriseofESGcriteriaininvestmentdecisionsExplanation:ThesecondpassagefocusesonhowinstitutionalinvestorsareincreasinglyprioritizingESGfactors.4.B)InstitutionalinvestorsExplanation:Thereportnotesthatpensionfundsandsovereignwealthfundsareleadingtheshifttowardgreenbonds.5.B)35%Explanation:Thethirdpassagestatesthat35%ofUKadultshaveuseddigitalpaymentmethods.Part2:Vocabulary1.A)preventExplanation:"Prevent"alignswiththecontextofstoppingmarketmanipulation.2.B)lowerExplanation:Centralbanksoften"lower"interestratestostimulatetheeconomy.3.C)balancedExplanation:Diversificationisabalancedapproachtoriskmanagement.4.A)declinedExplanation:Adropinstockpriceduetopoorearningsisdescribedasa"decline."5.A)accessibilityExplanation:Digitalbankingservicesareknownfortheireaseofaccess.Part3:Grammar1.A)remainsExplanation:Theconditionalsentencerequiresthepresenttense("remains")after"if."2.A)hasdelayedExplanation:Thepassivevoicewithpresentperfect("hasdelayed")isappropriatehere.3.A)grewExplanation:Thepasttense("grew")iscorrectforacompletedactioninthepast.4.B)isreleasedExplanation:Thepassivevoicewiththepresentsimpletenseisusedforfutureevents.5.C)targetedExplanation:Thebank’sstrategyisfocusedonspecificclients("targeted").Part4:SentenceCompletion1.C)diversifyingintoExplanation:Thecontextsuggestsexpandinginvestmentsintonewareas.2.A)combatExplanation:Centralbanksaimto"combat"inflationtomaintaineconomicstability.3.A)innovativeExplanation:Leveragingtechnologyforefficiencyreflectsaninnovativestrategy.4.A)objectiveExplanation:"Objective"referstothegoaloraimofthefirm.5.B)reduceExplanation:Higherinterestratestypicallyleadtoreducedconsumerspending.Part5:Translation1._The