2026年金融英語基礎能力考試題含答案Part1:Vocabulary(20題，每題1分，共20分)Instructions:Choosethebestwordtocompleteeachsentence.1.Thecentralbankannounceda______ratecuttostimulateeconomicgrowth.A.nominalB.realC.baseD.prime2.Thecompany’s______strategyinvolvesdiversifyingitsinvestmentportfolio.A.defensiveB.aggressiveC.conservativeD.passive3.A______isafinancialinstrumentthatderivesitsvaluefromanunderlyingasset.A.derivativeB.equityC.bondD.mutualfund4.Themarketexperienceda______rallyafterthepositiveemploymentdatawasreleased.A.sustainedB.temporaryC.sporadicD.volatile5.The______isthemainfinancialinstitutionthatregulatesbanksintheEU.A.FederalReserveB.EuropeanCentralBankC.BankofEnglandD.IMF6.Theterm______referstotheriskoflossduetomarketfluctuations.A.liquidityB.creditC.inflationD.systematic7.A______isaloangivenbyabanktoaborroweratafixedinterestrate.A.mortgageB.lineofcreditC.certificateofdepositD.treasurybill8.The______marketdealswiththetradingofgovernmentsecurities.A.moneyB.capitalC.primaryD.secondary9.Thecompany’s______ratioindicatesitsabilitytomeetshort-termobligations.A.liquidityB.solvencyC.profitabilityD.efficiency10.The______isakeybenchmarkindexfortheU.S.stockmarket.A.FTSE100B.DAXC.S&P500D.Nikkei22511.Theterm______referstothepracticeofinvestinginmultiplecountriestoreducerisk.A.hedgingB.diversificationC.speculationD.leverage12.A______isafinancialplanthatoutlinesanindividual’ssavingsandinvestmentgoals.A.budgetB.willC.prospectusD.financialstatement13.The______istheprocessofconvertingassetsintocashquicklywithoutsignificantloss.A.depreciationB.liquidationC.appreciationD.amortization14.Theterm______referstotheriskthataborrowerwilldefaultonaloan.A.marketB.creditC.operationalD.liquidity15.The______isaregulatoryframeworkthatrequiresbankstomaintainacertaincapitalreserve.A.BaselIB.BaselIIC.BaselIIID.Dodd-Frank16.A______isafinancialcontractwherethebuyerpaysapremiumfortherighttobuyorsellanasset.A.futurescontractB.optionscontractC.forwardcontractD.swap17.Theterm______referstotheriskoflossduetochangesinexchangerates.A.creditriskB.currencyriskC.interestrateriskD.liquidityrisk18.The______istherateatwhichthecentralbanklendsmoneytocommercialbanks.A.discountrateB.federalfundsrateC.primerateD.reporate19.A______isafinancialmarketwheresecuritiesarecreatedandtradedforthefirsttime.A.primarymarketB.secondarymarketC.moneymarketD.capitalmarket20.Theterm______referstothepracticeofborrowingmoneytoinvestinassets.A.leverageB.diversificationC.hedgingD.speculationPart2:Grammar(15題，每題1分，共15分)Instructions:Choosethecorrectformoftheverborphrasetocompleteeachsentence.1.Ifthecompany______tothemerger,itsmarketsharewillincrease.A.agreeB.agreesC.willagreeD.wouldagree2.Thefinancialanalyst______thatthestockisovervalued.A.suggestB.suggestsC.suggestingD.suggested3.Bythetimethereport______,themarketwillalreadyhavereacted.A.willreleaseB.releasesC.releasedD.hasreleased4.Neithertheclientsnorthebroker______satisfiedwiththedeal.A.isB.areC.wasD.were5.IfI______moreinformation,Iwouldhaveinvestedearlier.A.hadB.haveC.hadhadD.wouldhavehad6.Thebank______tolendmoneytostartupswithoutcollateral.A.refuseB.refusesC.refusingD.refused7.Theinvestmentmanager______forthefirmforover10years.A.worksB.workedC.hasworkedD.hasbeenworking8.NeithertheCEOnortheCFO______awareofthescandal.A.isB.areC.wasD.were9.Thefinancialteam______thebudgetuntiltheendofthequarter.A.willreviewB.reviewsC.hasreviewedD.havereviewed10.Iftheinterestrates______higher,theloanapprovalprocesswouldbeslower.A.riseB.risesC.willriseD.wouldrise11.Theregulatoryauthority______thebankforviolatinganti-moneylaunderinglaws.A.chargesB.chargesC.haschargedD.hasbeencharging12.Thecompany______itsheadquarterstoanewcitynextyear.A.willmoveB.movesC.hasmovedD.hasbeenmoving13.Ifthemarket______volatile,investorsshouldbemorecautious.A.isB.areC.wasD.were14.Thefinancialadvisor______theclientsabouttheirretirementplans.A.discussB.discussesC.hasdiscussedD.hasbeendiscussing15.Thecentralbank______tolowerinflationnextmonth.A.plansB.plansC.hasplannedD.hasbeenplanningPart3:ReadingComprehension(10題，每題2分，共20分)Instructions:Readthepassagebelowandanswerthequestions.Passage:Theglobalfinancialsystemhasundergonesignificantchangesinthepastdecade,drivenbytechnologicaladvancementsandregulatoryreforms.Centralbanksaroundtheworldhaveimplementedstrictercapitalrequirementstoenhancebankingstability.Theriseoffintechcompanieshasdisruptedtraditionalfinancialservices,offeringmoreefficientanduser-friendlysolutions.However,theincreasingrelianceondigitalplatformshasalsoraisedconcernsaboutcybersecurityanddataprivacy.Policymakersmustbalanceinnovationwithriskmanagementtoensurethesystemremainsresilient.Theuseofartificialintelligenceintradingandriskassessmenthasbecomemoreprevalent,butitalsointroducesnewchallenges,suchasalgorithmicbias.Meanwhile,theshifttowardsustainableinvestinghasgainedmomentum,withmorefundsfocusingonenvironmental,social,andgovernance(ESG)criteria.Thesetrendshighlighttheneedforcontinuousadaptationinthefinancialindustry.1.Whathasbeenamajordriverofchangesintheglobalfinancialsystem?A.GovernmentpoliciesB.TechnologicaladvancementsC.EconomicdownturnsD.Regulatoryreforms2.Whyhavecentralbanksimposedstrictercapitalrequirements?A.ToencouragelendingB.ToreducecompetitionC.ToenhancebankingstabilityD.Tostimulateeconomicgrowth3.Whatisoneconcernassociatedwiththeriseoffintechcompanies?A.HigherfeesB.LowerefficiencyC.CybersecurityrisksD.Limitedservices4.Howhasartificialintelligenceimpactedthefinancialindustry?A.IthasreducedtradingvolumesB.IthasincreasedalgorithmicbiasC.IthasdecreasedriskmanagementD.Ithasloweredregulatorycompliancecosts5.Whattrendhasgainedmomentuminrecentyears?A.TraditionalbankingB.SustainableinvestingC.Short-termtradingD.High-frequencytrading6.Whatdoes"ESGcriteria"referto?A.Economic,social,andgovernancefactorsB.Equity,stability,andgrowthmetricsC.Efficiency,security,andgovernanceindicatorsD.Exchangerate,security,andgovernancestandards7.Whyiscontinuousadaptationnecessaryinthefinancialindustry?A.TomaintaincompetitivenessB.TocomplywithregulationsC.ToattractmoreclientsD.Toreducecosts8.Whatisonechallengeposedbydigitalfinancialplatforms?A.TheylackinnovationB.TheyaretooexpensiveC.TheyposecybersecurityrisksD.Theyarenotuser-friendly9.Whathasbeentheimpactoffintechcompaniesontraditionalfinancialservices?A.TheyhaveincreasedcompetitionB.TheyhavereducedefficiencyC.TheyhaveeliminatedtraditionalbanksD.Theyhavemadeservicesmoreaccessible10.Whatisakeyfocusofsustainableinvesting?A.Maximizingshort-termprofitsB.PrioritizingenvironmentalandsocialimpactC.ReducingoperationalcostsD.IncreasingmarketsharePart4:ClozeTest(10題，每題1分，共10分)Instructions:Fillineachblankwiththemostappropriatewordfromthelistbelow.|ListofWords:|leverage|diversification|hedge|inflation|solvency|liquidity|credit|derivative|asset|portfolio||-|-|-|-|--|-|--|--||-||1.Thecompanyused______toamplifyitsreturnsoninvestment.2.Proper______canhelpreduceriskinaninvestmentstrategy.3.Investorsoftenuseoptionsto______againstmarketvolatility.4.High______ratescanerodethevalueoffixed-incomeinvestments.5.Thebank’s______ratiomeasuresitsabilitytomeetlong-termobligations.6.Theprimaryconcernforshort-terminvestorsis______.7.A______isafinancialinstrumentwhosevalueisderivedfromanunderlyingasset.8.Thefundmanagerconstructedabalanced______tospreadrisk.9.Thecentralbankimplementedmeasurestocontrol______.10.Theborrower’s______historyaffectsthelender’sdecisiontoapprovealoan.Part5:Writing(1題，10分)Instructions:Writeashortessay(150-200words)onthefollowingtopic:Topic:TheRoleofTechnologyinModernBankingYouressayshouldinclude:1.Howtechnologyhastransformedbankingservices.2.Oneadvantageandonedisadvantageoftechnologicaladvancementsinfinance.3.Asuggestionforhowbankscanfurtherleveragetechnologytoimprovecustomerexperience.AnswerKeyandExplanationsPart1:Vocabulary(20題)1.C(baserateisacommontermincentralbanking)2.B(aggressivestrategyimpliestakingrisksforhigherreturns)3.A(aderivativeisafinancialcontractbasedonanunderlyingasset)4.A(asustainedrallyindicatesaprolongedupwardtrend)5.B(theEuropeanCentralBankregulatesbanksintheEU)6.D(systematicriskreferstomarket-widerisks)7.A(amortgageisalong-termloanforproperty)8.B(thecapitalmarketdealswithlong-termsecurities)9.A(liquidityratiomeasuresshort-termsolvency)10.C(theS&P500isaU.S.stockmarketindex)11.B(diversificationreducesriskbyspreadinginvestments)12.A(abudgetisafinancialplanforanindividualorentity)13.B(liquidationistheprocessofsellingassetsforcash)14.B(creditriskistheriskofborrowerdefault)15.C(BaselIIIsetscapitalreserverequirementsforbanks)16.B(anoptionscontractgivestherighttobuyorsell)17.B(currencyriskisrelatedtoexchangeratefluctuations)18.A(thediscountrateisthecentralbank’slendingrate)19.A(aprimarymarketiswheresecuritiesarefirstissued)20.A(leverageinvolvesborrowingtoinvest)Part2:Grammar(15題)1.B(thesubject"company"issingular)2.B(thesubject"analyst"issingular)3.B(thereportwillreleaseinthefuture)4.A(neithertakesasingularverb)5.A(pastperfecttenseisusedforhypotheticalconditions)6.B(thesubject"bank"issingular)7.C(presentperfecttenseindicatesanactioncompletedinthepast)8.A(neithertakesasingularverb)9.B(thesubject"team"issingular)10.B(presenttenseisusedforhypotheticalconditions)11.C(presentperfecttenseisusedforcompletedactions)12.A(futuretenseindicatesafutureaction)13.A(presenttenseisusedforhypotheticalconditions)14.B(thesubject"advisor"issingular)15.A(futuretenseindicatesaplannedaction)Part3:ReadingComprehension(10題)1.B(technologicaladvancementsarementionedasadriver)2.C(enhancingbankingstabilityisthestatedpurposeofstrictercapitalrequirements)3.C(cybersecurityrisksarementionedasaconcern)4.B(algorithmicbiasisachallengeposedbyAI)5.B(sustainableinvestinghasgainedmomentum)6.A(ESGcriteriarefertoeconomic,social,andgovernancefactors)7.A(continuousadaptationisneeded