2025年英語專業八級（TEM8）真題匯編試卷（含聽力原文與答案詳解）——金融學英語版一、金融英語詞匯及短語辨析要求：根據所給句子，從四個選項中選擇一個最合適的詞或短語填空。1.Thecompanyisfacingsevereliquidityproblems,anditscreditorsarethreateningto(a)callintheirloans(b)cashouttheirinvestments(c)liquidatetheirassets(d)restructuretheirdebts.2.Thebank'sinvestmentinemergingmarketshasyieldedimpressive(a)returns(b)profits(c)earnings(d)dividends.3.Thegovernment'sfiscalpolicyaimsto(a)stimulatetheeconomy(b)controlinflation(c)reduceunemployment(d)balancethebudget.4.Thefinancialmarketsarehighly(a)competitive(b)regulated(c)speculative(d)diversified.5.Thebank'screditriskassessmentprocessinvolvesevaluatingtheborrower's(a)creditworthiness(b)collateral(c)debt-to-incomeratio(d)credithistory.二、金融英語閱讀理解要求：閱讀以下短文，回答問題。Passage:Theglobalfinancialcrisisof2007-2008hadaprofoundimpactonthefinancialsectorworldwide.Oneofthekeyreasonsforthecrisiswastheexcessiverisk-takingbyfinancialinstitutions,whichledtothecollapseofseveralmajorbanks.Thecrisisexposedweaknessesinthefinancialregulatoryframeworkandhighlightedtheneedforreformstopreventsuchadisasterfromhappeningagain.Questions:1.Whatwasoneofthemainreasonsfortheglobalfinancialcrisisof2007-2008?2.Whatwerethefinancialinstitutions'actionsthatcontributedtothecrisis?3.Whatwastheprimaryweaknessexposedbythecrisisinthefinancialregulatoryframework?4.Whatisthemaingoalofthereformsmentionedinthepassage?5.Howcansuchadisasterbepreventedfromhappeningagainaccordingtothepassage?三、金融英語寫作要求：根據以下要求撰寫一篇短文。Writeashortessay(approximately200-250words)ontheimportanceoffinancialliteracyforindividualsandbusinesses.Youshoulddiscussthefollowingpoints:1.Definefinancialliteracyandexplainitssignificance.2.Describethebenefitsoffinancialliteracyforindividuals.3.Discusstheimportanceoffinancialliteracyforbusinesses.4.Provideatleastoneexampleofhowfinancialliteracycanimproveaperson'sorabusiness'sfinancialsituation.5.Concludebyemphasizingtheoverallimportanceoffinancialliteracyintoday'seconomy.四、金融英語翻譯要求：將以下英文句子翻譯成中文。1.Thebankhasimplementedanewriskmanagementframeworktoensurecompliancewithinternationalbankingstandards.2.Thefinancialmarketsarehighlysensitivetochangesineconomicindicators,suchasGDPgrowthandunemploymentrates.3.Aderivativeisafinancialinstrumentwhosevalueisderivedfromanunderlyingasset,suchasastock,bond,orcommodity.4.TheFederalReservehastheauthoritytoinfluenceinterestratesandregulatethemoneysupplyintheeconomy.5.Acreditdefaultswapisafinancialcontractthatprovidesprotectionagainsttheriskofdefaultonadebtinstrument.五、金融英語應用文寫作要求：根據以下情景撰寫一封郵件。Youareafinancialadvisorworkingforaconsultingfirm.Youhaverecentlymetwithaclientwhoisinterestedininvestinginaforeignstockmarket.Writeanemailtoyourclient,providingthefollowinginformation:1.Brieflyintroducetheforeignstockmarketyouarerecommending.2.Explainthepotentialrisksandbenefitsofinvestinginthismarket.3.Suggestasuitableinvestmentstrategybasedontheclient'sfinancialgoalsandrisktolerance.4.Attachadetailedreportonthemarket'sperformanceandfutureoutlook.六、金融英語聽力理解要求：聽錄音，回答以下問題。1.Whatisthespeaker'sopinionontheimpactoftechnologicaladvancementsonthefinancialindustry?2.Howdoesthespeakerdefinetheterm"financialinclusion"andwhyisitimportant?3.Whatarethetwomaintypesoffinancialinstrumentsmentionedbythespeaker,andhowdotheydiffer?4.Whatisthespeaker'sviewontheroleofcentralbanksincontrollinginflation?5.Howdoesthespeakersuggestinvestorscanprotectthemselvesfrommarketvolatility?本次試卷答案如下：一、金融英語詞匯及短語辨析1.答案：A解析思路：根據句意“公司面臨嚴重的流動性問題，債權人威脅要收回他們的貸款”，應選(a)callintheirloans，意為“收回貸款”。2.答案：A解析思路：根據句意“銀行對新興市場的投資產生了令人印象深刻的回報”，應選(a)returns，意為“回報”。3.答案：A解析思路：根據句意“政府的財政政策旨在刺激經濟”，應選(a)stimulatetheeconomy，意為“刺激經濟”。4.答案：B解析思路：根據句意“金融市場受到高度監管”，應選(b)regulated，意為“監管”。5.答案：A解析思路：根據句意“銀行的信用風險評估過程包括評估借款人的信用worthiness”，應選(a)creditworthiness，意為“信用worthiness”。二、金融英語閱讀理解1.答案：excessiverisk-takingbyfinancialinstitutions解析思路：根據第一段“全球金融危機的主要原因是金融機構過度冒險”，應選excessiverisk-takingbyfinancialinstitutions。2.答案：risk-takingthatledtothecollapseofseveralmajorbanks解析思路：根據第一段“金融機構的過度冒險導致幾家大銀行倒閉”，應選risk-takingthatledtothecollapseofseveralmajorbanks。3.答案：weaknessesinthefinancialregulatoryframework解析思路：根據第二段“危機暴露了金融監管框架的弱點”，應選weaknessesinthefinancialregulatoryframework。4.答案：reformstopreventsuchadisasterfromhappeningagain解析思路：根據第二段“改革是為了防止此類災難再次發生”，應選reformstopreventsuchadisasterfromhappeningagain。5.答案：byimplementingstricterregulationsandoversight解析思路：根據第二段“通過實施更嚴格的監管和監督”，應選byimplementingstricterregulationsandoversight。三、金融英語寫作1.答案：Financialliteracyreferstotheknowledgeandskillsnecessarytomanagefinancialresourceseffectively.Itissignificantbecauseitempowersindividualsandbusinessestomakeinformedfinancialdecisionsandachievetheirfinancialgoals.2.答案：Financialliteracyenablesindividualstobudget,save,invest,andmanagedebteffectively,leadingtobetterfinancialstabilityandwell-being.3.答案：Financialliteracyiscrucialforbusinessesasithelpsinmanagingcashflow,makingsoundfinancialdecisions,andsecuringfinancingforgrowth