2025年銀行面試英語試題及答案

一、單項選擇題（每題2分，共10題）1.Whichofthefollowingisacommonbankingservice?A.RocketlaunchingB.LoangrantingC.AnimaltrainingD.FilmmakingAnswer:B2.“ATM”standsfor_.A.AutomaticTellerMachineB.All-TimeMoneyC.AnotherTransactionMethodD.AnnualTaxManagementAnswer:A3.Themainfunctionofabankis_.A.tosellclothesB.tomanagemoneyC.togrowplantsD.torepaircarsAnswer:B4.A“savingsaccount”isusedfor_.A.borrowinglargeamountsofmoneyB.storingmoneyandearninginterestC.buyingstocksdirectlyD.payingfordailygroceriesonlyAnswer:B5.Inbanking,“interestrate”refersto_.A.thespeedofmoneytransferB.thepercentageofmoneychargedorearnedonaloanordepositC.thenumberofbankbranchesD.thesizeofthebankbuildingAnswer:B6.Whichofthefollowingisaformofelectronicbanking?A.Horse-drawncarriagedeliveryofmoneyB.MobilebankingC.Pigeon-postforbankstatementsD.Hand-writtenledgerkeepingAnswer:B7.Bankcustomerscanusuallychecktheiraccountbalance_.A.onlybyvisitingthebankinpersonB.throughvariouschannelssuchasonlinebankingorATMC.byaskingarandompasser-byD.bywritingalettertothebankpresidentAnswer:B8.A“creditcard”allowsthecardholderto_.A.stealmoneyfromthebankB.borrowmoneyfromthebankuptoacertainlimitC.printtheirownmoneyD.changethebank'sopeninghoursAnswer:B9.Theterm“bankruptcy”inbankingmeans_.A.abankisopeninganewbranchB.abankisunabletopayitsdebtsC.abankischangingitsnameD.abankisgivingawayfreegiftsAnswer:B10.A“check”is_.A.aformofwrittenordertopayaspecificamountofmoneyB.atypeofbirdC.anewdancemoveD.abrandofperfumeAnswer:A二、多項選擇題（每題2分，共10題）1.Whichofthefollowingareimportantfactorsinevaluatingabank'sperformance?A.ProfitabilityB.CustomerservicequalityC.NumberofemployeesD.AssetqualityAnswer:ABD2.Banksecuritymeasuresmayinclude_.A.SurveillancecamerasB.FingerprintrecognitionC.ArmedguardsD.PasswordprotectionAnswer:ABCD3.Servicesprovidedbycommercialbanksusuallyinclude_.A.AcceptingdepositsB.GrantingloansC.ForeignexchangeservicesD.SafedepositboxesAnswer:ABCD4.Whichofthefollowingaretypesofbankaccounts?A.CheckingaccountB.SavingsaccountC.MoneymarketaccountD.CertificateofdepositaccountAnswer:ABCD5.Ininternationalbanking,risksmaycomefrom_.A.ExchangeratefluctuationsB.PoliticalinstabilityinforeigncountriesC.DifferentregulatoryenvironmentsD.CulturaldifferencesAnswer:ABC6.Bankemployeesarerequiredtohaveskillsin_.A.FinancialanalysisB.CustomercommunicationC.ComputeroperationD.MarketingAnswer:ABCD7.Whatarethecommonwaysforabanktoattractcustomers?A.OfferinghigherinterestratesondepositsB.LoweringloaninterestratesC.ProvidingbettercustomerserviceD.HavingamoreconvenientlocationAnswer:ABCD8.Theresponsibilitiesofabanktellermayinclude_.A.ReceivingdepositsB.CashingchecksC.AnsweringcustomerinquiriesD.PromotingbankproductsAnswer:ABC9.Whichofthefollowingarefeaturesofagoodbankloan?A.ReasonableinterestrateB.FlexiblerepaymenttermsC.QuickapprovalprocessD.HighcollateralrequirementsAnswer:ABC10.Bankmarketingstrategiesmayinvolve_.A.AdvertisingonTVandradioB.SocialmediapromotionC.SponsoringlocaleventsD.OfferingloyaltyprogramsAnswer:ABCD三、判斷題（每題2分，共10題）1.Abankonlydealswithmoneyofrichpeople.(False)2.Mobilebankingislesssecurethantraditionalbanking.(False)3.Banksnevermakelosses.(False)4.Allbankloansrequirecollateral.(False)5.Asavingsaccountalwayshasahigherinterestratethanacheckingaccount.(False)6.Bankemployeescanaccessanycustomer'saccountinformationwithoutpermission.(False)7.Banksdonotcareaboutcustomersatisfaction.(False)8.Internationalbankshavethesameregulationsallovertheworld.(False)9.Abank'sreputationhasnoimpactonitsbusiness.(False)10.Theonlyfunctionofabankistolendmoney.(False)四、簡答題（每題5分，共4題）1.Brieflyexplaintheimportanceofcustomerserviceinabank.Answer:Goodcustomerserviceinabankiscrucial.Ithelpsretainexistingcustomersandattractnewones.Satisfiedcustomersaremorelikelytorecommendthebanktoothers.Italsohelpsinbuildingthebank'sreputation,whichisessentialforlong-termsuccess.2.Whatarethemainrisksfacedbybanks?Answer:Banksfaceriskssuchascreditrisk(borrowersmaydefault),marketrisk(duetochangesininterestrates,exchangeratesetc.),andoperationalrisk(frominternalprocessesandsystemsfailures).3.Describetheprocessofapplyingforabankloan.Answer:First,theapplicantsubmitsaloanapplicationwithrelevantdocuments.Thenthebankassessestheapplicant'screditworthiness,income,andcollateral.Ifapproved,thebankdeterminestheloanamount,interestrateandrepaymentterms.4.Explaintheconceptof“onlinebanking”.Answer:OnlinebankingallowscustomerstoaccessandmanagetheirbankaccountsviatheInternet.Theycancheckbalances,transferfunds,paybillsandperformotherbankingoperationswithoutvisitingaphysicalbankbranch.五、討論題（每題5分，共4題）1.Howcanbanksimprovetheirservicesduringthedigitalage?Answer:Bankscanimprovebyenhancingsecurityindigitalservices,offeringmorepersonalizeddigitalexperiences,andprovidingbettercustomersupportfordigitalplatforms.2.Discusstheimpactoffintechontraditionalbanks.Answer:Fintechhasbroughtcompetition.Itforces