银行校园英语试题及答案.docVIP

银行校园英语试题及答案

一、单项选择题（总共10题，每题2分）

1.Whatistheprimaryfunctionofabank?

A.Investment

B.Lending

C.Trading

D.Insurance

Answer:B

2.Whichofthefollowingisatypeofcheckingaccount?

A.Savingsaccount

B.Certificateofdeposit

C.Moneymarketaccount

D.Demanddepositaccount

Answer:D

3.WhatdoestheacronymATMstandfor?

A.AutomatedTellerMachine

B.AutomatedTransferMachine

C.AdvancedTransactionMachine

D.AutomatedTransactionModel

Answer:A

4.Whatisthetermfortheinterestratechargedbyacentralbankonloanstocommercialbanks?

A.Primerate

B.Federalfundsrate

C.Discountrate

D.Mortgagerate

Answer:C

5.Whichfinancialdocumentprovidesadetailedrecordofacompanysfinancialtransactionsoveraspecificperiod?

A.Balancesheet

B.Incomestatement

C.Cashflowstatement

D.Statementofshareholdersequity

Answer:B

6.Whatisthetermfortheprocessofbuyingandsellingsecuritiestoinfluencethepriceofastock?

A.Arbitrage

B.Hedging

C.Speculation

D.Diversification

Answer:C

7.Whichofthefollowingisacommonmethodusedbybankstoassessthecreditworthinessofaborrower?

A.Creditscore

B.Debt-to-incomeratio

C.Networth

D.Alloftheabove

Answer:D

8.Whatisthetermforthemaximumamountofmoneythatcanbeborrowedonacreditcard?

A.Creditlimit

B.Interestrate

C.Annualfee

D.Latefee

Answer:A

9.Whichofthefollowingisatypeofinvestmentthatinvolvespoolingmoneyfrommanyinvestorstoinvestinadiversifiedportfolioofstocks,bonds,andothersecurities?

A.Mutualfund

B.Exchange-tradedfund

C.Indexfund

D.Bondfund

Answer:A

10.Whatisthetermfortheprocessoftransferringfundsfromonebankaccounttoanother?

A.Wiretransfer

B.Checkdeposit

C.ACHtransfer

D.Onlinebanking

Answer:C

二、多项选择题（总共10题，每题2分）

1.Whatarethemainfunctionsofabank?

A.Acceptingdeposits

B.Providingloans

C.Offeringinvestmentproducts

D.Facilitatingpayments

E.Conductingmarketresearch