银行英语考试真题及答案.docVIP

银行英语考试真题及答案

一、单项选择题（总共10题，每题2分）

1.Whatisthetermforabankthatprovidesawiderangeofservicesincludingcheckingandsavingsaccounts,loans,andcreditcards?

A)Investmentbank

B)Commercialbank

C)Centralbank

D)Savingsandloanassociation

2.Whichofthefollowingisatypeofdepositaccountthattypicallyearnsinterestandallowsforlimitedtransactionspermonth?

A)Checkingaccount

B)Moneymarketaccount

C)Certificateofdeposit

D)Savingsaccount

3.WhatdoestheacronymCDstandforinthecontextofbanking?

A)CertificateofDeposit

B)CashDeposit

C)CurrentDeposit

D)CapitalDeposit

4.Whichfinancialinstitutionisresponsibleforregulatingandsupervisingbanksandimplementingmonetarypolicy?

A)Commercialbank

B)Investmentbank

C)Centralbank

D)FederalReserve

5.Whatisthetermfortheprocessofabankevaluatingaborrowerscreditworthinessbeforeapprovingaloan?

A)Underwriting

B)Lending

C)Mortgaging

D)Financing

6.Whichofthefollowingisatypeofloanwheretheborrowerreceivesalumpsumofmoneyupfrontandrepaysitinregularinstallments,includingbothprincipalandinterest?

A)Interest-onlyloan

B)Installmentloan

C)Mortgageloan

D)Lineofcredit

7.Whatisthetermforthefeechargedbyabankformaintainingacheckingaccount?

A)Annualfee

B)Monthlymaintenancefee

C)Transactionfee

D)overdraftfee

8.Whichofthefollowingisatypeoffinancialinstrumentthatrepresentsownershipinacompanyandentitlestheholdertoaportionofthecompanysprofitsandvotingrights?

A)Bond

B)Stock

C)Mutualfund

D)Certificateofdeposit

9.Whatisthetermfortheprocessofabankbuyingbackitsownsharesfromtheopenmarket?

A)Stockbuyback

B)Sharerepurchase

C)Dividendpayout

D)Stocksplit

10.Whichofthefollowingisatypeofsavingsaccountthatoffersahigherinterestratein