英文个人理财试题库及答案.docVIP

英文个人理财试题库及答案

一、单项选择题（每题2分，共10题）

1.Whatdoes“APR”standfor?

A.AnnualPercentageRate

B.AnnualProfitRatio

C.AveragePercentageRate

答案：A

2.Whichisaliquidasset?

A.House

B.Savingsaccount

C.Car

答案：B

3.Themaingoalofpersonalfinanceisto_.

A.Spendmore

B.Maximizewealth

C.Saveless

答案：B

4.Ifyouwanttosaveforretirement,whichoptionissuitable?

A.Checkingaccount

B.IRA(IndividualRetirementAccount)

C.Creditcard

答案：B

5.Whataffectsyourcreditscoremost?

A.Employmenthistory

B.Paymenthistory

C.Hobbies

答案：B

6.Whichinvestmentusuallyhashigherrisk?

A.Bonds

B.Savings

C.Stocks

答案：C

7.Whatisanopportunitycost?

A.Thecostofanopportunity

B.Thevalueofthenextbestalternativeforgone

C.Costofbuyingopportunities

答案：B

8.Theformulaforsimpleinterestis_.

A.I=Prt

B.I=P(1+r)^t

C.I=P/r

答案：A

9.Whichinsuranceisusedtocovermedicalexpenses?

A.Lifeinsurance

B.Healthinsurance

C.Autoinsurance

答案：B

10.Whatisabudget?

A.Aplanforspendingandsavingmoney

B.Arecordofpastexpenses

C.Alistofdebts

答案：A

二、多项选择题（每题2分，共10题）

1.Whichofthefollowingarecomponentsofafinancialplan?

A.Savingsgoals

B.Investmentstrategies

C.Debtmanagement

答案：ABC

2.Typesofincomeinclude_.

A.Salary

B.Dividends

C.Rentalincome

答案：ABC

3.Goodwaystobuildcreditinclude_.

A.Payingbillsontime

B.Keepingcreditcardbalanceslow

C.Applyingformanycreditcardsatonce

答案：AB

4.Whicharelong-terminvestmentoptions?

A.Mutualfunds

B.CertificatesofDeposit(CDs)

C.Savingsbonds

答案：ABC

5.Expensescanbeclassifiedas_.

A.Fixed

B.Variable

C.Discretionary

答案：ABC

6.Whatarethebenefitsofhavinganemergencyfund?

A.Coverunexpectedexpenses

B.Avoidgoingintodebt

C.Provideforretirement

答案：AB

7.Whichfactorsaffectthereturnoninvestment?

A.Marketconditions

B.Investmenttype

C.Investorsage

答案：AB

8.Toolsforpersonalfinancialmanagementinclude_.

A.Budgeti