2025年银行考试题库及答案英语.docVIP

2025年银行考试题库及答案英语

一、单项选择题

1.Whatisthetermfortheprocessofborrowingmoneyfromafinancialinstitutionwiththepromisetorepayitovertime?

A)Investment

B)Savings

C)Loan

D)Deposit

2.Whichofthefollowingisconsideredacurrentassetonabanksbalancesheet?

A)Fixedassets

B)Intangibleassets

C)Cashandcashequivalents

D)Long-terminvestments

3.Theprimarygoalofabanksriskmanagementdepartmentisto:

A)Maximizeprofits

B)Minimizerisks

C)Increasethenumberofcustomers

D)Expandthebanksmarketshare

4.WhatdoestheacronymCDSstandforinthecontextofbanking?

A)CreditDefaultSwap

B)CertificateofDeposit

C)CashDepositSlip

D)CertificateofDepositSecurities

5.Whichfinancialratioisusedtomeasureabanksabilitytomeetitsshort-termobligations?

A)Debt-to-equityratio

B)Currentratio

C)Returnonassets

D)Earningspershare

6.Whatisthetermfortheinterestratethatabankchargesonloanstoitscustomers?

A)Discountrate

B)Primerate

C)Federalfundsrate

D)LIBOR

7.Whichofthefollowingisakeycomponentofabanksliquiditymanagementstrategy?

A)Long-termdebtissuance

B)Short-termborrowing

C)Assetsecuritization

D)Capitalstructureoptimization

8.Whatisthetermfortheprocessofevaluatingthecreditworthinessofaborrower?

A)Underwriting

B)Lending

C)Investment

D)Deposit

9.TheBaselAccordsareasetofinternationalregulationsdesignedto:

A)Promotetradebetweencountries

B)Standardizebankingpractices

C)Encourageinvestmentinemergingmarkets

D)Regulatethestockmarket

10.Whatisthetermfortheinterestratethatabankpaystoitsdepositors?

A)Primerate

B)Federalfundsrate

C)Depositrate

D)LIBOR

二、多项选择题

1.Whichofthefollowingareexamplesofnon-interestincomeforabank?

A)Interestonloans

B)Servicecharges

C)Investment