銀行考試試題及答案英語姓名：____________________

一、多項選擇題（每題2分，共20題）

1.WhichofthefollowingisNOToneofthemainfunctionsofacommercialbank?

A.Providingloanstoindividuals

B.Depositingcustomerfunds

C.Issuingstockandbonds

D.Regulatingthemoneysupply

2.Whatisthemainpurposeofthefractionalreservebankingsystem?

A.Toreducetheamountofmoneyincirculation

B.Toencouragesavings

C.Toincreasetheamountofmoneyincirculation

D.Topreventbanksfromlendingmoremoneythantheyhave

3.WhichofthefollowingstatementsabouttheFederalReserveSystemisNOTtrue?

A.ItisthecentralbankoftheUnitedStates

B.Itwascreatedtoregulatethebankingsystem

C.ItisresponsibleforthemonetarypolicyoftheUnitedStates

D.Itissuesthecountry'scurrency

4.WhatistheprimaryfunctionoftheFederalOpenMarketCommittee(FOMC)?

A.Toregulatethebankingsystem

B.Tosetinterestrates

C.Toissuethecountry'scurrency

D.Tosupervisebanks

5.Whichofthefollowingisatypeofdepositaccount?

A.Certificateofdeposit(CD)

B.Savingsaccount

C.Checkingaccount

D.Alloftheabove

6.Whatisthetermusedtodescribethedifferencebetweentheinterestratethatbankspayondepositsandtheinterestratetheychargeonloans?

A.Spread

B.Yield

C.Premium

D.Discount

7.Whatisthemainadvantageofacheckingaccountoverasavingsaccount?

A.Higherinterestrates

B.Nominimumbalancerequirements

C.Cheapertoopen

D.Alloftheabove

8.Whichofthefollowingisafeatureofacertificateofdeposit(CD)?

A.Highinterestrates

B.Fixedterm

C.Withdrawalpenalties

D.Alloftheabove

9.Whatisthetermusedtodescribethepracticeofborrowingmoneyatoneinterestrateandlendingitatahigherrate?

A.Arbitrage

B.Spread

C.Yield

D.Premium

10.Whichofthefollowingisaformofcreditriskforabank?

A.Creditcarddebt

B.Studentloans

C.Mortgageloans

D.Alloftheabove

11.WhatisthemainpurposeoftheFederalDepositInsuranceCorporation(FDIC)?

A.Toprovideinsuranceforbankdeposits

B.Toregulatethebankingsystem

C.Tosetinterestrates

D.Tosupervisebanks

12.WhatisthemaximumamountofmoneythattheFDICinsuresperdepositor,perbank?

A.$50,000

B.$100,000

C.$250,000

D.$500,000

13.Whichofthefollowingisatypeofriskthatabankfacesduetochangesineconomicconditions?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

14.Whatisthetermusedtodescribetheriskofabankbeingunabletomeetitsshort-termobligations?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

15.Whichofthefollowingisaregulatoryrequirementforbanks?

A.Holdingacertainamountofcapital

B.Submittingfinancialreportstoregulators

C.Maintainingacertainlevelofliquidity

D.Alloftheabove

16.Whatisthetermusedtodescribetheprocessbywhichbankslendmoneytoindividualsandbusinesses?

A.Depositing

B.Lending

C.Borrowing

D.Investing

17.Whichofthefollowingisaformoffinancialserviceprovidedbybanks?

A.Depositoryservices

B.Lendingservices

C.Investmentservices

D.Alloftheabove

18.Whatisthetermusedtodescribetheriskofabankbeingunabletopayoffitsdebtsifitsassetslosevalue?

A.Creditrisk

B.Marketrisk

C.Liquidityrisk

D.Operationalrisk

19.WhichofthefollowingisaregulatoryagencythatoverseesthebankingsystemintheUnitedStates?

A.FederalReserve

B.SecuritiesandExchangeCommission(SEC)

C.FederalDepositInsuranceCorporation(FDIC)

D.ConsumerFinancialProtectionBureau(CFPB)

20.WhatisthemainfunctionoftheConsumerFinancialProtectionBureau(CFPB)?

A.Toregulatethebankingsystem

B.Toprotectconsumersinfinancialtransactions

C.Tosetinterestrates

D.Tosupervisebanks

二、判斷題（每題2分，共10題）

1.TheFederalReserveSystemiscomposedof12regionalbanksacrosstheUnitedStates.()

2.TheFederalOpenMarketCommittee(FOMC)meetsseveraltimesayeartodiscussandsetinterestrates.()

3.AllbankdepositsareinsuredbytheFederalDepositInsuranceCorporation(FDIC)upto$250,000perdepositor.()

4.Acheckingaccountallowstheaccountholdertowritechecksagainsttheavailablebalance.()

5.Theinterestrateonacertificateofdeposit(CD)istypicallyhigherthantheinterestrateonasavingsaccount.()

6.Banksarerequiredtomaintainacertainpercentageoftheirdepositsasreserves,knownasthereserverequirement.()

7.Thefractionalreservebankingsystemallowsbankstolendoutmoremoneythantheyhaveindeposits.()

8.TheSecuritiesandExchangeCommission(SEC)isresponsibleforinsuringbankdeposits.()

9.Abank'scapitalratioisameasureofitsfinancialstrengthandiscalculatedbydividingitscapitalbyitstotalassets.()

10.TheConsumerFinancialProtectionBureau(CFPB)wascreatedtoregulatethebankingsystemandprotectconsumers.()

三、簡答題（每題5分，共4題）

1.Explainthedifferencebetweenademanddepositandatimedeposit.

2.DescribetheroleoftheFederalReserveintheU.S.economy.

3.WhataretheprimaryfunctionsoftheFederalDepositInsuranceCorporation(FDIC)?

4.Discusstheconceptofliquidityriskinthebankingindustry.

四、論述題（每題10分，共2題）

1.Discusstheimpactofmonetarypolicyontheeconomy,focusingonhowchangesininterestratesandthemoneysupplycanaffecteconomicgrowth,inflation,andemployment.

2.Analyzetheroleofbanksinthefinancialsystem,includingtheirfunctionsinprovidingliquidity,credit,andfinancialservices,andtheirimpactontheoverallstabilityoftheeconomy.

試卷答案如下：

一、多項選擇題（每題2分，共20題）

1.C.Issuingstockandbonds

解析思路：商業銀行的主要職能是接受存款、發放貸款和提供支付服務，不涉及發行股票和債券。

2.C.Toincreasetheamountofmoneyincirculation

解析思路：分數儲備銀行制度允許銀行將部分存款作為貸款發放，從而增加流通中的貨幣量。

3.D.Itissuesthecountry'scurrency

解析思路：美國貨幣的發行權屬于美國財政部，而不是聯邦儲備系統。

4.B.Tosetinterestrates

解析思路：FOMC負責制定和調整聯邦基金利率，這是美國貨幣政策的核心。

5.D.Alloftheabove

解析思路：這三種賬戶都是銀行提供的存款服務。

6.A.Spread

解析思路：利差是指銀行收取的貸款利率與支付給存款者的利率之間的差額。

7.B.Nominimumbalancerequirements

解析思路：支票賬戶通常沒有最低余額要求，而儲蓄賬戶可能有。

8.D.Alloftheabove

解析思路：CD賬戶通常具有高利率、固定期限和提前提取的罰金。

9.A.Arbitrage

解析思路：套利是指利用不同市場之間的價格差異來獲利。

10.D.Alloftheabove

解析思路：這三種貸款都屬于銀行的信用風險。

11.A.Toprovideinsuranceforbankdeposits

解析思路：FDIC的主要職能是保護存款者免受銀行倒閉的影響。

12.C.$250,000

解析思路：FDIC對每個存款人的每個銀行賬戶提供最高25萬美元的保險。

13.B.Marketrisk

解析思路：市場風險是指由于市場條件變化而導致的損失風險。

14.C.Liquidityrisk

解析思路：流動性風險是指銀行無法滿足短期債務的支付需求。

15.D.Alloftheabove

解析思路：這些都是銀行必須遵守的監管要求。

16.B.Lending

解析思路：銀行的主要職能之一是向個人和企業提供貸款。

17.D.Alloftheabove

解析思路：這些都是銀行提供的金融服務。

18.B.Marketrisk

解析思路：市場風險是指由于資產價值下降而無法償還債務的風險。

19.C.FederalDepositInsuranceCorporation(FDIC)

解析思路：FDIC是負責監管銀行和保險存款的機構。

20.B.Toprotectconsumersinfinancialtransactions

解析思路：CFPB的目的是保護消費者在金融交易中的權益。

二、判斷題（每題2分，共10題）

1.True

2.True

3.True

4.True

5.True

6.True

7.True

8.False

9.True

10.True

三、簡答題（每題5分，共4題）

1.Ademanddepositisanaccountthatallowstheaccountholdertowithdrawfundsatanytime,typicallyusedforeverydaytransactions.Atimedepositisanaccountwithafixedterm,duringwhichthefundscannotbewithdrawnwithoutincurringapenalty.

2.TheFed