2026年國際金融英語證書考試題Part1:ReadingComprehension(閱讀理解)共5題，每題2分，總分10分Passage1:TheFutureofGlobalFinancialTechnology(全球金融科技的未來)Therapidadvancementofartificialintelligenceandblockchaintechnologyhasreshapedtheglobalfinanciallandscape.TraditionalbankinginstitutionsareincreasinglyadoptingAI-drivenalgorithmstoenhanceriskmanagement,whileblockchainapplicationsarerevolutionizingcross-borderpayments.Accordingtoa2025reportbytheWorldEconomicForum,65%ofbanksworldwidehaveintegratedAIintotheiroperations,reducingfrauddetectiontimesbyupto40%.Meanwhile,blockchain-basedpaymentsystems,suchasthosepioneeredbySingapore’sMonetaryAuthority,arereducingtransactioncostsbyanaverageof30%comparedtoconventionalmethods.However,regulatorychallengesremain,particularlyinregionsliketheMiddleEast,wherestrictcompliancelawshinderadoption.FinancialtechnologystartupsinSiliconValleyarealsoexploringdecentralizedfinance(DeFi)solutions,aimingtodisrupttraditionalcapitalmarkets.Questions:1.WhatistheprimaryimpactofAIonbankinginstitutions?A.IncreasedoperationalcostsB.EnhancedriskmanagementC.ReducedcustomersatisfactionD.Greaterrelianceonhumananalysts2.AccordingtotheWorldEconomicForum,whatpercentageofbankshaveadoptedAI?A.40%B.50%C.65%D.75%3.Howdoblockchain-basedpaymentsystemsbenefitSingapore?A.Theyincreasetransactionfees.B.Theyreducecostsby30%.C.Theyeliminatetheneedforbanks.D.Theyareonlyusedfordomestictransactions.4.WhatregulatorychallengeismentionedfortheMiddleEast?A.HightransactionvolumesB.StrictcompliancelawsC.LimitedtechnologicalinfrastructureD.Excessivegovernmentsupport5.WhatarefinancialtechnologystartupsinSiliconValleyexploring?A.TraditionalbankingmodelsB.CentralizedfinancesolutionsC.Decentralizedfinance(DeFi)D.ManualaccountingsystemsPart2:Vocabulary(詞匯題)共5題，每題1分，總分5分Instructions:Choosethebestwordtocompleteeachsentence.1.Thecompany’srestructuringplanaimedtoimproveitsprofitmargins.A.chaoticB.strategicC.gradualD.unnecessary2.Thevolatilityofcryptocurrencymarketsmakesthemhigh-riskforretailinvestors.A.unpredictableB.stableC.regulatedD.conservative3.Thederivativecontractwascomplex,requiringspecializedknowledgetounderstand.A.straightforwardB.speculativeC.derivativeD.liquid4.Thecentralbank’sdecisiontoraiseinterestrateswasmetwithspeculationaboutitslong-termeffects.A.cautiousB.controversialC.predictableD.gradual5.Thebond’syieldwasattractivetoinvestorsseekingfixed-incomeopportunities.A.lowB.variableC.highD.negativePart3:Grammar(語法題)共5題，每題1分，總分5分Instructions:Identifytheerrorineachsentenceandchoosethecorrectcorrection.1.Original:"Thefinancialinstitution’spoliciesweretoocomplex,anditwasdifficultforemployeestocomply."A.NoerrorB."it"→"they"C."comply"→"complywith"D."institution’s"→"institution"2.Original:"Despitetheeconomy’sdownturn,thestockmarkethadasurprisinglystrongperformance."A.NoerrorB."economy’s"→"economic"C."performance"→"performances"D."strong"→"resilient"3.Original:"Thecentralbank’sdecisiontolowerthebenchmarkinterestratewasexpectedtostimulateeconomicgrowth."A.NoerrorB."stimulate"→"stimulates"C."growth"→"growths"D."lower"→"decrease"4.Original:"Thefirm’sboardofdirectorshasvotedtodiversifyitsinvestmentportfolio."A.NoerrorB."boardofdirectors"→"boardofdirectors’"C."voted"→"vote"D."diversify"→"diversifies"5.Original:"Thetrader’sstrategywasbasedontechnicalanalysis,butitfailedtoaccountforthemarket’sunexpectedvolatility."A.NoerrorB."trader’s"→"trader"C."based"→"basing"D."failed"→"fails"Part4:ClozeTest(完形填空)共5題，每題2分，總分10分Instructions:Fillintheblankswiththemostappropriatewordsfromthelist.Eachwordcanbeusedonlyonce.ListofWords:-liquidity-hedge-leverage-inflation-benchmark-sovereign-yield-derivativesThe1.______debtmarketintheUnitedStatesisknownforitshigh2.______,makingitattractivetoinstitutionalinvestors.Companiesoftenuse3.______toamplifyreturns,butthisstrategyalsoincreases4.______risk.Centralbanks,suchasthe5.______BankofJapan,monitor6.______ratescloselytomanageeconomicstability.Investorsseeking7.______incomemayprefergovernment8.______bonds,whichareconsideredlow-risk.Questions:1.2.3.4.5.6.7.8.Part5:Writing(寫作)共1題，總分15分Instructions:Writea150-wordessayonthefollowingtopic:Topic:TheRoleofIslamicFinanceinGlobalCapitalMarketsEssay:Islamicfinancehasgainedsignificanttractioninrecentyears,drivenbygrowingdemandfromMusliminvestorsandnon-Muslimsseekingethicalinvestmentoptions.Unlikeconventionalfinance,IslamicfinanceadherestoSharialaw,prohibitinginterest(riba)andpromotingrisk-sharing.ProductssuchasSukuk(Islamicbonds)andMudarabah(profit-sharingpartnerships)havebecomeincreasinglypopular.TheMiddleEast,particularlySaudiArabiaandtheUAE,hasemergedasahubforIslamicfinance,withinstitutionsliketheIslamicDevelopmentBankfosteringglobalgrowth.However,challengesremain,includingregulatoryharmonizationacrossregions.Despitethesehurdles,Islamicfinance’semphasisonsocialwelfareandethicalpracticesalignswithbroadertrendstowardsustainableinvesting.Asglobalcapitalmarketsevolve,Islamicfinanceispoisedtoplayamoreprominentrole,offeringaviablealternativetotraditionalfinancialsystems.AnswerKeyandExplanations(答案與解析)Part1:ReadingComprehension1.B–ThepassagestatesAIenhancesriskmanagement.2.C–Thereportmentions65%ofbanksuseAI.3.B–Blockchainreducestransactioncostsby30%inSingapore.4.B–Regulatorychallenges(strictlaws)arecitedfortheMiddleEast.5.C–SiliconValleystartupsareexploringDeFisolutions.Part2:Vocabulary1.B–"Strategic"fitsthecontextofimprovingprofitmargins.2.A–"Volatility"impliesunpredictabilityincryptocurrencymarkets.3.C–"Derivative"isafinancialtermforcontractsbasedonunderlyingassets.4.B–"Controversial"describesreactionstointerestratehikes.5.C–"Yield"referstothereturnonbonds,makingthemattractiveforfixed-incomeinvestors.Part3:Grammar1.C–"Complywith"isthecorrectphrasalverb.2.A–Noerror;"economy’s"iscorrect.3.B–