2025年银行业务英语题库及答案.docVIP

2025年银行业务英语题库及答案

一、单项选择题（每题2分，共10题）

1.Whichofthefollowingistheprimaryfunctionofacommercialbank?

A.Investment

B.Savingsandlending

C.Insurance

D.Realestate

Answer:B

2.WhatdoesLiquidityrefertoinbanking?

A.Theabilitytogenerateprofits

B.Theeasewithwhichassetscanbeconvertedintocash

C.Theamountofcapitalabankhas

D.Theinterestrateonloans

Answer:B

3.Inwhichtypeofaccountcancustomersearninterestontheirdeposits?

A.Checkingaccount

B.Savingsaccount

C.Certificateofdeposit

D.Moneymarketaccount

Answer:B

4.Whatisthetermfortheprocessofevaluatingthecreditworthinessofaborrower?

A.Underwriting

B.Lending

C.Deposit

D.Investment

Answer:A

5.Whichfinancialinstrumentiscommonlyusedforshort-termborrowingbybanks?

A.Bond

B.Mortgage

C.Treasurybill

D.Certificateofdeposit

Answer:C

6.WhatdoesNetInterestMargin(NIM)measure?

A.Thetotalinterestincomegeneratedbyabank

B.Thedifferencebetweeninterestincomeandinterestexpense

C.Theaverageinterestrateonloans

D.Thetotalamountofloansabankhas

Answer:B

7.Whichofthefollowingisakeycomponentofabanksbalancesheet?

A.Revenue

B.Assets

C.Expenses

D.Equity

Answer:B

8.Whatistheprimarypurposeofacentralbank?

A.Tomaximizeprofitsforcommercialbanks

B.Toregulateandsupervisecommercialbanks

C.Toprovidebankingservicestoindividuals

D.Toinvestinstocksandbonds

Answer:B

9.WhatdoesFractionalReserveBankingreferto?

A.Banksholding100%ofdepositsasreserves

B.Banksholdingonlyafractionofdepositsasreserves

C.Banksofferingnointerestondeposits

D.Banksnotacceptingdeposits

Answer:B

10.Whichofthefollowingisacommonriskassociatedwithlending?

A.Interestraterisk

B.Creditrisk

C.Liquidityrisk

D.Marketris