銀行英語筆試題目及答案

一、單項選擇題（每題2分，共10題）1.Theword“deposit”means_.A.取款B.存款C.貸款D.利息2._isusedtotransfermoneybetweenaccountsquickly.A.ATMB.SWIFTC.POSD.PIN3.Theinterestrateisusuallyexpressedasa_.A.fractionB.decimalC.percentageD.ratio4.Acurrentaccountismainlyusedfor_.A.savingmoneyB.dailytransactionsC.long-terminvestmentD.borrowingmoney5.Thebankstatementshowsallthe_ofanaccount.A.balancesB.depositsC.transactionsD.withdrawals6.Ifyouwanttoborrowmoneyfromthebank,youneedtoapplyfora_.A.creditcardB.loanC.savingsaccountD.chequebook7.Theabbreviation“CBS”inbankingmaystandfor_.A.CoreBankingSystemB.CustomerBankingServiceC.CentralBankingStructureD.CommercialBankingStrategy8._isresponsibleforregulatingthebankingindustryinacountry.A.ThecentralbankB.CommercialbanksC.InvestmentbanksD.Retailbanks9.A_isawrittenordertoabanktopayaspecificamountofmoney.A.noteB.chequeC.billD.bond10.Whenyouopenanewaccount,youneedtoprovidesome_.A.giftsB.documentsC.passwordsD.references二、多項選擇題（每題2分，共10題）1.Whichofthefollowingaretypesofbankaccounts?A.SavingsaccountB.CurrentaccountC.FixeddepositaccountD.Creditcardaccount2.Commonbankingservicesinclude_.A.DepositingmoneyB.WithdrawingmoneyC.IssuingloansD.Providingfinancialadvice3.Whichofthefollowingarepaymentmethods?A.CashB.ChequeC.CreditcardD.Onlinepayment4.Thefunctionsofacentralbankare_.A.IssuingcurrencyB.RegulatingthemoneysupplyC.SupervisingbanksD.Providingloanstoindividuals5.Whatinformationmaybeincludedinabankstatement?A.AccountbalanceB.TransactiondateC.TransactionamountD.Transactiontype6.Typesofloansinbanksusuallyinclude_.A.PersonalloanB.MortgageloanC.BusinessloanD.Studentloan7.Banksmaychargefeesfor_.A.OverdraftB.ATMwithdrawalC.LatepaymentofcreditcardD.Openinganewaccount8.Whichofthefollowingareinternationalbankingorganizations?A.WorldBankB.InternationalMonetaryFundC.AsianDevelopmentBankD.FederalReserveSystem9.Inbanking,securitymeasuresinclude_.A.PasswordsB.PINsC.BiometricidentificationD.Firewalls10.Thepurposesoffinancialstatementsinbanksare_.A.ToshowthefinancialpositionB.Tohelpwithdecision-makingC.TomeetregulatoryrequirementsD.Toattractinvestors三、判斷題（每題2分，共10題）1.Asavingsaccountusuallyoffersahigherinterestratethanacurrentaccount.()2.YoucanuseacreditcardtowithdrawcashfromanyATMwithoutafee.()3.Centralbanksonlydealwithcommercialbanks,notwiththegeneralpublic.()4.Afixeddepositaccountallowsyoutowithdrawmoneyatanytimewithoutpenalty.()5.Onlinebankingislesssecurethantraditionalbanking.()6.Theinterestonaloanisalwayscalculatedbasedonasimpleinterestformula.()7.Banksdonotneedtokeepreservesasrequiredbylaw.()8.Achequecanbecashedimmediatelyafteritiswritten.()9.Allcommercialbankshavethesameinterestratesfordeposits.()10.Adebitcardislinkeddirectlytoyourbankaccount.()四、簡答題（每題5分，共4題）1.Whatarethemaindifferencesbetweenasavingsaccountandacurrentaccount?Answer:Asavingsaccountisforsavingmoneywithinterest,oftenwithlimitsonwithdrawals.Acurrentaccountisfordailytransactionslikepayingbillsandreceivingpayments,witheasyaccesstofundsandusuallylowerornointerest.2.Explaintheroleofacentralbankinacountry'seconomy.Answer:Thecentralbankissuescurrency,regulatesthemoneysupplytocontrolinflationandeconomicgrowth,supervisesbankstoensurestability,andactsasalenderoflastresorttomaintainfinancialstability.3.Whataretheadvantagesofonlinebanking?Answer:Itoffersconvenienceasyoucanaccessyouraccount24/7fromanywhere.It'sfastfortransactions,andusuallyprovidesdetailedaccountinformation.Italsoreducestheneedtovisitaphysicalbankbranch.4.Whydobanksrequirecollateralforsomeloans?Answer:Collateralreducestheriskforbanks.Iftheborrowerdefaultsontheloan,thebankcanseizeandsellthecollateraltorecovertheamountlent,protectingthebank'sfinancialinterests.五、討論題（每題5分，共4題）1.Discusstheimpactofdigitalcurrencyonthetraditionalbankingsystem.Answer:Digitalcurrencymayreducetheneedforphysicalcashhandling.Itcanalsospeeduptransactions.However,itposeschallengeslikesecuritythreatsandregulatoryissuesfortraditionalbanks.Banksmayneedtoadaptbyimprovingdigitalsecurityandofferingnewservicesrelatedtodigitalcurrency.2.Howcanbanksimprovecustomerserviceinthemodernera?Answer:Bankscanusetechnologyforbettercommunication,likechatbotsforquickanswers.Theycanalsopersonalizeservicesbasedoncustomerdata.Trainingstafftobemoreknowledgeableandfriendly,andprovidingseamlessdigitalandin-branchexperiencesareimportant.3.Analyzetheimportanceoffinancialliteracyforbankcustomers.Answer:Financiallyliteratecustomerscanmakeinformeddecisionsaboutaccounts,loans,andinvestments.Theyarebetterabletomanagetheirmoney,avoiddebtpitfalls,andplanforthefuture.Thisalsoreducestheriskofdisputes