2026年國際金融英語筆試題目Part1:ReadingComprehension(閱讀理解)共5題，每題2分，總分10分Passage1:Theglobalfinanciallandscapein2026continuestobeshapedbygeopoliticaltensions,technologicaladvancements,andregulatorychanges.Centralbanksinmajoreconomies,suchastheU.S.FederalReserveandtheEuropeanCentralBank,arenavigatingunprecedentedchallengesinbalancinginflationcontrolwitheconomicgrowth.Meanwhile,emergingmarketslikeIndiaandBrazilarewitnessingaccelerateddigitalizationintheirbankingsectors,withblockchainandAI-drivensolutionsbecomingincreasinglyprevalent.Theriseofdecentralizedfinance(DeFi)hasalsointroducednewcompetitorstotraditionalfinancialinstitutions,forcingthemtoinnovateorriskobsolescence.Questions:1.Whataretheprimarychallengesfacingcentralbanksin2026?A)Deflationarypressuresandlabormarketstagnation.B)Inflationcontrolandeconomicgrowthbalance.C)Capitalflightandcurrencydevaluation.D)Technologicaldisruptionandregulatorycompliance.(Answer:B)2.Accordingtothepassage,whichemergingmarketsareleadingindigitalbankinginitiatives?A)JapanandSouthKorea.B)IndiaandBrazil.C)RussiaandTurkey.D)SaudiArabiaandUAE.(Answer:B)3.HowisDeFiimpactingtraditionalfinancialinstitutions?A)Bystrengtheningtheirdominanceinthemarket.B)Byofferinglimitedcompetition.C)Byforcingthemtoinnovateorfacedecline.D)Byencouragingmergersandacquisitions.(Answer:C)4.Whichtechnologyismentionedasakeydriveroftransformationinbanking?A)Quantumcomputing.B)BlockchainandAI.C)Cloudcomputing.D)5Gnetworks.(Answer:B)5.Whatdoesthepassagesuggestaboutthefutureofglobalfinance?A)Areturntopre-pandemicstability.B)Increasedcentralizationoffinancialpower.C)Greaterdisruptionandinnovation.D)Adeclineincross-bordertrade.(Answer:C)Part2:VocabularyinContext(詞匯應(yīng)用)共5題，每題2分，總分10分Instructions:Choosethebestwordtocompleteeachsentence.1.Thecompany'sdiversifiedportfoliohelpeditweathertheeconomicdownturnby__________itsexposuretovolatilemarkets.A)mitigatingB)amplifyingC)diversifyingD)consolidating(Answer:A)2.ThenewEUregulationaimsto__________taxevasionbyrequiringstricterreportingstandardsforcross-bordertransactions.A)incentivizeB)legitimizeC)eliminateD)regulate(Answer:C)3.Despitethemarket_________,investorsremainedoptimisticaboutthelong-termgrowthprospectsofrenewableenergysectors.A)volatilityB)stabilityC)declineD)recovery(Answer:A)4.Thecentralbank'sdecisionto__________interestrateswasmetwithmixedreactionsfromfinancialanalysts.A)hikeB)lowerC)maintainD)suspend(Answer:A)5.Themergerbetweenthetwoinstitutionswas_________byantitrustconcerns,butitwaseventuallyapprovedafteradjustmentsweremade.A)facilitatedB)complicatedC)discouragedD)supported(Answer:B)Part3:GrammarandSentenceStructure(語法與句型)共5題，每題2分，總分10分Instructions:Identifytheerrorineachsentenceorchoosethebestoptiontocompleteit.1.IftheFed__________toraiseratesnextmonth,itcouldfurtherslowdowntheeconomy.A)willraiseB)raisesC)wouldraiseD)raised(Answer:B)2.Thereporthighlightsthat__________theglobaleconomyrecovers,inflationarypressuresmaypersist.A)untilB)whileC)asD)unless(Answer:C)3.NeithertheCEOnortheCFO__________satisfiedwiththecurrentfinancialperformance.A)isB)areC)wasD)were(Answer:A)4.TheTreasurybonds__________purchasedbythefirmtohedgeagainstcurrencyrisk.A)wererecentlyB)hasrecentlyC)havebeenrecentlyD)wererecentlyhaving(Answer:A)5.Itisrecommendedthatthebank__________morestringentcompliancemeasurestoavoidfutureregulatoryscrutiny.A)implementsB)implementC)willimplementD)hasimplemented(Answer:A)Part4:BusinessCaseAnalysis(商業(yè)案例分析)共1題，10分CaseStudy:AEuropeanmultinationalbankisfacingdecliningprofitabilityduetorisingcompetitionfromfintechfirmsandslowerloangrowth.Thebankhastraditionallyreliedoninterestmargins,buttheseareshrinkingascentralbankskeeprateslow.Additionally,regulatorypressuresareincreasingoperationalcosts.Thebank’smanagementisconsideringthreestrategicoptions:1.Mergingwithasmallerregionalbanktoreducecompetition.2.Investingheavilyindigitalbankinginfrastructuretoattractyoungercustomers.3.Focusingonwealthmanagementservicestodiversifyrevenuestreams.Questions:1.Whataretheprimarychallengesthebankisfacing?(4points)2.Evaluatetheprosandconsofeachstrategicoption.(6points)(Answer:1.Challenges:Decliningprofitability,competitionfromfintechs,lowinterestmargins,risingregulatorycosts.2.ProsandCons:-Merger:Pros–reducedcompetition,economiesofscale;Cons–culturalintegrationrisks,potentialregulatoryhurdles.-DigitalInvestment:Pros–attractsyoungercustomers,reducesoperationalcosts;Cons–highupfrontcosts,slowROI.-WealthManagement:Pros–diversifiesrevenue,highmargins;Cons–requiresskilledtalent,maynotaddresscoreissues.)Part5:EssayWriting(寫作)共1題，20分Topic:"Discusstheimpactofartificialintelligenceonthefutureoffinancialservices.WhatopportunitiesandchallengesdoesAIpresenttotraditionalbankinginstitutions?"(Answer:AIisrevolutionizingthefinancialservicessectorbyautomatingprocesses,enhancingdecision-making,andimpro