2026年最新银行考试英语试题及答案.docVIP

2026年最新银行考试英语试题及答案

一、单项选择题（总共10题，每题2分）

1.Whatisthemainfunctionofacentralbank?

A.Toregulatethestockmarket

B.Tocontrolthemoneysupply

C.Tomanagethenationalpostalservice

D.Tooverseethetelecommunicationsindustry

2.Whichofthefollowingisacharacteristicofademanddeposit?

A.Itearnsinterest

B.ItisnotFDICinsured

C.Itrequiresaminimumbalance

D.Itisusedfortransactions

3.Whatdoesthetermprimeratereferto?

A.Theinterestrateonsavingsaccounts

B.Thelowestinterestrateofferedbyabank

C.Theinterestrateonloansforprimecustomers

D.Therateatwhichbankslendtoeachother

4.Howisinflationtypicallymeasured?

A.BytheConsumerPriceIndex(CPI)

B.BytheGrossDomesticProduct(GDP)

C.Bytheunemploymentrate

D.Bythestockmarketindex

5.Whatisthepurposeofacreditscore?

A.Todeterminethevalueofacar

B.Toassessaborrowerscreditworthiness

C.Tocalculatethemonthlymortgagepayment

D.Toevaluatetheriskofastockinvestment

6.Whichofthefollowingisatypeofsavingsaccount?

A.Checkingaccount

B.Moneymarketaccount

C.CertificateofDeposit(CD)

D.Creditcard

7.Whatistheroleofabanksloanofficer?

A.Tomanagethebanksinvestments

B.Toapproveordenyloanapplications

C.Tohandlethebanksmarketingcampaigns

D.Toconductmarketresearch

8.Whatisthetermfortheprocessofaddingmoneytoacheckingaccount?

A.Debiting

B.Crediting

C.Clearing

D.Reconciling

9.Whichofthefollowingisariskassociatedwithinvestinginstocks?

A.Inflationrisk

B.Liquidityrisk

C.Interestraterisk

D.Creditrisk

10.Whatistheprimarypurposeofabanksbalancesheet?

A.Totrackthebanksexpenses

B.Toshowthebanksfinancialposition

C.Tomonitorthebanksdailytransactions

D.Toanalyzethebanksinvestmentportfolio

二、填空题（总共10题，每题2分）

1.Theprocessofcheckingaborrowerscredithistoryisknownas________.

2.Abankthatprovidesfinancialservicestoindiv