銀行考試試題及答案英語(yǔ)

銀行考試試題及答案英語(yǔ)姓名：____________________

一、多項(xiàng)選擇題（每題2分，共20題）

1.WhichofthefollowingisNOToneofthemainfunctionsofacommercialbank?

A.Providingloanstoindividuals

B.Depositingcustomerfunds

C.Issuingstockandbonds

D.Regulatingthemoneysupply

2.Whatisthemainpurposeofthefractionalreservebankingsystem?

A.Toreducetheamountofmoneyincirculation

B.Toencouragesavings

C.Toincreasetheamountofmoneyincirculation

D.Topreventbanksfromlendingmoremoneythantheyhave

3.WhichofthefollowingstatementsabouttheFederalReserveSystemisNOTtrue?

A.ItisthecentralbankoftheUnitedStates

B.Itwascreatedtoregulatethebankingsystem

C.ItisresponsibleforthemonetarypolicyoftheUnitedStates

D.Itissuesthecountry'scurrency

4.WhatistheprimaryfunctionoftheFederalOpenMarketCommittee(FOMC)?

A.Toregulatethebankingsystem

B.Tosetinterestrates

C.Toissuethecountry'scurrency

D.Tosupervisebanks

5.Whichofthefollowingisatypeofdepositaccount?

A.Certificateofdeposit(CD)

B.Savingsaccount

C.Checkingaccount

D.Alloftheabove

6.Whatisthetermusedtodescribethedifferencebetweentheinterestratethatbankspayondepositsandtheinterestratetheychargeonloans?

A.Spread

B.Yield

C.Premium

D.Discount

7.Whatisthemainadvantageofacheckingaccountoverasavingsaccount?

A.Higherinterestrates

B.Nominimumbalancerequirements

C.Cheapertoopen

D.Alloftheabove

8.Whichofthefollowingisafeatureofacertificateofdeposit(CD)?

A.Highinterestrates

B.Fixedterm

C.Withdrawalpenalties

D.Alloftheabove

9.Whatisthetermusedtodescribethepracticeofborrowingmoneyatoneinterestrateandlendingitatahigherrate?

A.Arbitrage

B.Spread

C.Yield

D.Premium

10.Whichofthefollowingisaformofcreditriskforabank?

A.Creditcarddebt

B.Studentloans

C.Mortgageloans

D.Alloftheabove

11.WhatisthemainpurposeoftheFederalDepositInsuranceCorporation(FDIC)?

A.Toprovideinsuranceforbankdeposits

B.Toregulatethebankingsystem

C.Tosetinterestrates

D.Tosupervisebanks

12.WhatisthemaximumamountofmoneythattheFDICinsuresperdepositor,perbank?

A.$50,000

B.$100,000

C.$250,000

D.$500,000

13.Whichofthefollowingisatypeofriskthatabankfacesduetochangesineconomicconditions?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

14.Whatisthetermusedtodescribetheriskofabankbeingunabletomeetitsshort-termobligations?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

15.Whichofthefollowingisaregulatoryrequirementforbanks?

A.Holdingacertainamountofcapital

B.Submittingfinancialreportstoregulators

C.Maintainingacertainlevelofliquidity

D.Alloftheabove

16.Whatisthetermusedtodescribetheprocessbywhichbankslendmoneytoindividualsandbusinesses?

A.Depositing

B.Lending

C.Borrowing

D.Investing

17.Whichofthefollowingisaformoffinancialserviceprovidedbybanks?

A.Depositoryservices

B.Lendingservices

C.Investmentservices

D.Alloftheabove

18.Whatisthetermusedtodescribetheriskofabankbeingunabletopayoffitsdebtsifitsassetslosevalue?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

19.WhichofthefollowingisaregulatoryagencythatoverseesthebankingsystemintheUnitedStates?

A.FederalReserve

B.SecuritiesandExchangeCommission(SEC)

C.FederalDepositInsuranceCorporation(FDIC)

D.ConsumerFinancialProtectionBureau(CFPB)

20.WhatisthemainfunctionoftheConsumerFinancialProtectionBureau(CFPB)?

A.Toregulatethebankingsystem

B.Toprotectconsumersinfinancialtransactions

C.Tosetinterestrates

D.Tosupervisebanks

二、判斷題（每題2分，共10題）

1.TheFederalReserveSystemiscomposedof12regionalbanksacrosstheUnitedStates.()

2.TheFederalOpenMarketCommittee(FOMC)meetsseveraltimesayeartodiscussandsetinterestrates.()

3.AllbankdepositsareinsuredbytheFederalDepositInsuranceCorporation(FDIC)upto$250,000perdepositor.()

4.Acheckingaccountallowstheaccountholdertowritechecksagainsttheavailablebalance.()

5.Theinterestrateonacertificateofdeposit(CD)istypicallyhigherthantheinterestrateonasavingsaccount.()

6.Banksarerequiredtomaintainacertainpercentageoftheirdepositsasreserves,knownasthereserverequirement.()

7.Thefractionalreservebankingsystemallowsbankstolendoutmoremoneythantheyhaveindeposits.()

8.TheSecuritiesandExchangeCommission(SEC)isresponsibleforinsuringbankdeposits.()

9.Abank'scapitalratioisameasureofitsfinancialstrengthandiscalculatedbydividingitscapitalbyitstotalassets.()

10.TheConsumerFinancialProtectionBureau(CFPB)wascreatedtoregulatethebankingsystemandprotectconsumers.()

三、簡(jiǎn)答題（每題5分，共4題）

1.Explainthedifferencebetweenademanddepositandatimedeposit.

2.DescribetheroleoftheFederalReserveintheU.S.economy.

3.WhataretheprimaryfunctionsoftheFederalDepositInsuranceCorporation(FDIC)?

4.Discusstheconceptofliquidityriskinthebankingindustry.

四、論述題（每題10分，共2題）

1.Discusstheimpactofmonetarypolicyontheeconomy,focusingonhowchangesininterestratesandthemoneysupplycanaffecteconomicgrowth,inflation,andemployment.

2.Analyzetheroleofbanksinthefinancialsystem,includingtheirfunctionsinprovidingliquidity,credit,andfinancialservices,andtheirimpactontheoverallstabilityoftheeconomy.

試卷答案如下：

一、多項(xiàng)選擇題（每題2分，共20題）

1.C.Issuingstockandbonds

解析思路：商業(yè)銀行的主要職能是接受存款、發(fā)放貸款和提供支付服務(wù)，不涉及發(fā)行股票和債券。

2.C.Toincreasetheamountofmoneyincirculation

解析思路：分?jǐn)?shù)儲(chǔ)備銀行制度允許銀行將部分存款作為貸款發(fā)放，從而增加流通中的貨幣量。

3.D.Itissuesthecountry'scurrency

解析思路：美國(guó)貨幣的發(fā)行權(quán)屬于美國(guó)財(cái)政部，而不是聯(lián)邦儲(chǔ)備系統(tǒng)。

4.B.Tosetinterestrates

解析思路：FOMC負(fù)責(zé)制定和調(diào)整聯(lián)邦基金利率，這是美國(guó)貨幣政策的核心。

5.D.Alloftheabove

解析思路：這三種賬戶(hù)都是銀行提供的存款服務(wù)。

6.A.Spread

解析思路：利差是指銀行收取的貸款利率與支付給存款者的利率之間的差額。

7.B.Nominimumbalancerequirements

解析思路：支票賬戶(hù)通常沒(méi)有最低余額要求，而儲(chǔ)蓄賬戶(hù)可能有。

8.D.Alloftheabove

解析思路：CD賬戶(hù)通常具有高利率、固定期限和提前提取的罰金。

9.A.Arbitrage

解析思路：套利是指利用不同市場(chǎng)之間的價(jià)格差異來(lái)獲利。

10.D.Alloftheabove

解析思路：這三種貸款都屬于銀行的信用風(fēng)險(xiǎn)。

11.A.Toprovideinsuranceforbankdeposits

解析思路：FDIC的主要職能是保護(hù)存款者免受銀行倒閉的影響。

12.C.$250,000

解析思路：FDIC對(duì)每個(gè)存款人的每個(gè)銀行賬戶(hù)提供最高25萬(wàn)美元的保險(xiǎn)。

13.B.Marketrisk

解析思路：市場(chǎng)風(fēng)險(xiǎn)是指由于市場(chǎng)條件變化而導(dǎo)致的損失風(fēng)險(xiǎn)。

14.C.Liquidityrisk

解析思路：流動(dòng)性風(fēng)險(xiǎn)是指銀行無(wú)法滿(mǎn)足短期債務(wù)的支付需求。

15.D.Alloftheabove

解析思路：這些都是銀行必須遵守的監(jiān)管要求。

16.B.Lending

解析思路：銀行的主要職能之一是向個(gè)人和企業(yè)提供貸款。

17.D.Alloftheabove

解析思路：這些都是銀行提供的金融服務(wù)。

18.B.Marketrisk

解析思路：市場(chǎng)風(fēng)險(xiǎn)是指由于資產(chǎn)價(jià)值下降而無(wú)法償還債務(wù)的風(fēng)險(xiǎn)。

19.C.FederalDepositInsuranceCorporation(FDIC)

解析思路：FDIC是負(fù)責(zé)監(jiān)管銀行和保險(xiǎn)存款的機(jī)構(gòu)。

20.B.Toprotectconsumersinfinancialtransactions

解析思路：CFPB的目的是保護(hù)消費(fèi)者在金融交易中的權(quán)益。

二、判斷題（每題2分，共10題）

1.True

2.True

3.True

4.True

5.True

6.True

7.True

8.False

9.True

10.True

三、簡(jiǎn)答題（每題5分，共4題）

1.Ademanddepositisanaccountthatallowstheaccountholdertowithdrawfundsatanytime,typicallyusedforeverydaytransactions.Atimedepositisanaccountwithafixedterm,duringwhichthefundscannotbewithdrawnwithoutincurringapenalty.

2.TheFed