銀行校招英語試題及答案姓名：____________________

一、選擇題（每題2分，共20分）

1.Thebank'sprimaryobjectiveisto:

A.maximizeprofit

B.provideloanstoindividuals

C.investinstocks

D.managedeposits

2.Whichofthefollowingisatypeofsavingsaccount?

A.Checkingaccount

B.Certificateofdeposit(CD)

C.Moneymarketaccount

D.Alloftheabove

3.Whichofthefollowingtermsreferstotheamountofmoneythatcanbewithdrawnfromacheckingaccount?

A.Minimumbalance

B.Availablebalance

C.Overdraft

D.Interestrate

4.TheinterestrateonaCDistypically:

A.higherthantheinterestrateonasavingsaccount

B.lowerthantheinterestrateonacheckingaccount

C.thesameastheinterestrateonamoneymarketaccount

D.notdeterminedbythelengthoftheCDterm

5.Whatisthetermforthepracticeofabanksellingloanstoanotherfinancialinstitution?

A.Securitization

B.Derivatives

C.Repo

D.Asset-backedsecurities

二、填空題（每題2分，共10分）

6.A(n)__________isawrittenagreementbetweenabankandacustomerthatsetsoutthetermsandconditionsofaloan.

7.Theprocessof__________involvesabanksellingloanstoanotherfinancialinstitutiontofreeupcapitalfornewlending.

8.TheFederalReserveisthecentralbankingsystemofthe__________.

9.Theinterestrateonasavingsaccountisusually__________thantheinterestrateonacheckingaccount.

10.A(n)__________isatypeofshort-term,high-interestaccountthatallowscustomerstowithdrawfundswithoutpenalty.

三、閱讀理解（每題3分，共15分）

Readthefollowingpassageandanswerthequestionsthatfollow.

Thebankingindustryisacriticalcomponentoftheglobaleconomy.Banksplayavitalroleinthefinancialsystembyprovidingarangeofservicestoindividuals,businesses,andgovernments.Theseservicesincludeacceptingdeposits,providingloans,facilitatingpayments,andofferingfinancialadvice.

Banksareregulatedbyvariousgovernmentalbodiestoensurethattheyoperateinasafeandsoundmanner.Theprimaryobjectiveofbankingregulationistoprotectdepositorsandmaintainstabilityinthefinancialsystem.Regulationscanincludecapitalrequirements,reserverequirements,andguidelinesforlendingpractices.

Oneofthekeyfunctionsofabankistoacceptdepositsfromcustomers.Depositscanbemadeinvariousforms,suchascheckingaccounts,savingsaccounts,andcertificatesofdeposit(CDs).Banksusethefundsfromdepositstoprovideloanstoindividualsandbusinesses.Thisprocesshelpstostimulateeconomicgrowthbyencouraginginvestmentandconsumption.

Anotherimportantfunctionofbanksistofacilitatepayments.Throughservicessuchaselectronicfundstransfers(EFTs)andchecks,banksenablecustomerstomakeandreceivepaymentsquicklyandsecurely.Thishelpstofacilitatetradeandcommerce,bothdomesticallyandinternationally.

Inadditiontotheirtraditionalroles,banksalsoofferarangeoffinancialproductsandservices,suchasinvestmentmanagement,insurance,andwealthmanagement.Theseserviceshelpcustomerstomanagetheirfinancesandplanforthefuture.

Questions:

11.Whatistheprimaryobjectiveofbankingregulation?

12.Howdobanksusethefundsfromdeposits?

13.Whataretwoservicesthatbanksoffertofacilitatepayments?

14.Whatisoneexampleofafinancialproductorserviceofferedbybanks?

15.Whatistheroleofbanksintheglobaleconomy?

四、簡答題（每題5分，共20分）

16.Explainthedifferencebetweenacheckingaccountandasavingsaccount.

17.Whatarethemaincomponentsofabank'scapital?

18.Describetheprocessofabankmakingaloantoacustomer.

19.WhatisthepurposeoftheFederalReserve'sdiscountwindow?

20.Howdoesthebank'slendingactivityimpactthemoneysupply?

五、論述題（每題10分，共20分）

21.DiscusstheroleoftheFederalReserveinmaintainingfinancialstability.

22.Analyzehowchangesininterestratescanaffectthebankingindustryandconsumers.

六、翻譯題（每題5分，共10分）

23.翻譯以下句子：“Banksactasintermediariesbetweensaversandborrowers,ensuringthatfundsareavailableforinvestmentandeconomicgrowth.”

24.翻譯以下句子：“Thebank'sliquidityratioisameasureofitsabilitytomeetitsshort-termobligationswithitsavailableassets.”

試卷答案如下：

一、選擇題答案及解析思路

1.A.maximizeprofit

解析思路：銀行的最終目標是實現盈利，這是其存在的根本動力。

2.D.Alloftheabove

解析思路：檢查賬戶、儲蓄賬戶和定期存款賬戶都是銀行提供的不同類型的儲蓄賬戶。

3.B.Availablebalance

解析思路：可用余額是指賬戶中可以隨時取出的金額。

4.A.higherthantheinterestrateonasavingsaccount

解析思路：定期存款賬戶通常提供比儲蓄賬戶更高的利率。

5.A.Securitization

解析思路：證券化是指銀行將貸款等資產打包成證券，出售給其他金融機構。

二、填空題答案及解析思路

6.Loanagreement

解析思路：貸款協議是銀行與借款人之間關于貸款條款的書面協議。

7.Securitization

解析思路：證券化是銀行將貸款出售給其他金融機構的過程。

8.UnitedStates

解析思路：美國聯邦儲備系統是美國中央銀行。

9.Lower

解析思路：儲蓄賬戶的利率通常低于支票賬戶。

10.Moneymarketaccount

解析思路：貨幣市場賬戶允許客戶在不收取罰金的情況下隨時提取資金。

三、閱讀理解答案及解析思路

11.Toprotectdepositorsandmaintainstabilityinthefinancialsystem.

解析思路：銀行監管的主要目的是保護存款人并維持金融系統的穩定。

12.Banksusethefundsfromdepositstoprovideloanstoindividualsandbusinesses.

解析思路：銀行將存款資金用于向個人和企業提供貸款。

13.Electronicfundstransfers(EFTs)andchecks.

解析思路：電子資金轉賬和支票是銀行提供的兩種支付服務。

14.Investmentmanagement.

解析思路：投資管理是銀行提供的金融產品和服務之一。

15.Theroleofbanksintheglobaleconomyistoprovidefinancialservicesandsupporteconomicgrowth.

解析思路：銀行在全球經濟中的作用是提供金融服務并支持經濟增長。

四、簡答題答案及解析思路

16.Checkingaccountsareusedforday-to-daytransactions,whilesavingsaccountsareforlong-termsavingswithlimitedaccesstofunds.

解析思路：支票賬戶用于日常交易，而儲蓄賬戶用于長期儲蓄，資金提取有限。

17.Themaincomponentsofabank'scapitalareequitycapitalanddebtcapital.

解析思路：銀行的資本主要由股本和債務資本組成。

18.Thebankassessesthecustomer'screditworthiness,approvestheloan,disbursesthefunds,andcollectstherepaymentsovertime.

解析思路：銀行評估客戶的信用度，批準貸款，發放資金，并在一段時間內收回還款。

19.Thediscountwindowprovidesshort-termloanstobanksfacingliquidityshortages.

解析思路：貼現窗口為面