2025年銀行英語大賽試題及答案

一、單項(xiàng)選擇題（每題2分，共10題）1.Whichofthefollowingwordsmeans“賬戶”inEnglish?（）A.accountB.countC.amountD.discount答案：A2.“Deposit”canbetranslatedas（）.A.貸款B.存款C.利率D.匯率答案：B3.Theoppositeof“withdraw”is（）.A.depositB.transferC.exchangeD.calculate答案：A4.Whatdoes“ATM”standfor?（）A.AutomaticTellerMachineB.AllTimeMoneyC.AtTheMomentD.AnyTimeManager答案：A5.“Interestrate”isrelatedto（）.A.theamountofmoneyintheaccountB.thecostofborrowingorthereturnonsavingC.thetypeofbankaccountD.thelocationofthebank答案：B6.Ifyouwanttosay“信用卡”inEnglish,youcanuse（）.A.debitcardB.creditcardC.cashcardD.giftcard答案：B7.Whichprepositionisusedwith“pay”whenwetalkaboutpayingmoneyforsomething?（）A.toB.forC.withD.of答案：B8.“Onlinebanking”allowscustomersto（）.A.visitthebankinpersonB.onlychecktheiraccountbalanceC.performvariousbankingtransactionsviatheInternetD.getcashfromthebankteller答案：C9.“Bankstatement”is（）.A.aformfordepositingmoneyB.arecordoftransactionsinabankaccountC.arequestforaloanD.anoticeofbankopeninghours答案：B10.Theword“branch”inrelationtoabankmeans（）.A.apartofatreeB.anewtypeofbankserviceC.alocalofficeofabankD.abankcustomer答案：C二、多項(xiàng)選擇題（每題2分，共10題）1.Whichofthefollowingarecommonbankingservices?（）A.DepositingmoneyB.WithdrawingmoneyC.TransferringfundsD.Buyingstocks答案：ABC2.Bankcustomerscanusedifferentchannelstoaccesstheiraccounts,suchas（）.A.MobilebankingB.TelephonebankingC.VisitingthebankbranchD.Sendingaletter答案：ABC3.Whenopeningabankaccount,youmayneedtoprovide（）.A.IdentificationdocumentsB.ProofofaddressC.InitialdepositD.Yourjobdescription答案：ABC4.“Riskmanagement”inabankmayinvolve（）.A.AssessingthecreditworthinessofborrowersB.ManagingmarketrisksC.ControllingoperationalrisksD.Increasingtheinterestraterandomly答案：ABC5.Whichofthefollowingaretypesofbankaccounts?（）A.SavingsaccountB.CurrentaccountC.Fixed-depositaccountD.Shoppingaccount答案：ABC6.Bankemployeesmayinclude（）.A.TellersB.LoanofficersC.BranchmanagersD.Securityguards答案：ABCD7.Ininternationalbanking,thefollowingareimportantfactors（）.A.ForeignexchangeratesB.Cross-borderregulationsC.InternationaltradefinanceD.Localweatherconditions答案：ABC8.Thefunctionsofacentralbankmayinclude（）.A.IssuingcurrencyB.SettingmonetarypolicyC.SupervisingcommercialbanksD.Providingcustomerservicelikenormalbanks答案：ABC9.Whatcanaffecttheprofitabilityofabank?（）A.InterestratespreadB.LoandefaultrateC.OperatingcostsD.Thecolorofthebankbuilding答案：ABC10.Whichofthefollowingaresecuritymeasuresinbanking?（）A.PasswordprotectionB.EncryptionC.IdentityverificationD.UsingpublicWi-Fiforbankingtransactions答案：ABC三、判斷題（每題2分，共10題）1.Asavingsaccountusuallyhasahigherinterestratethanacurrentaccount.（True）2.Banktellersareonlyresponsibleforgivingoutcash.（False）3.Centralbanksarenotinvolvedintheregulationofcommercialbanks.（False）4.Youcanalwaysuseyourdebitcardtogetacashadvance.（False）5.Afixed-depositaccounthasnorestrictionsonwithdrawals.（False）6.Banksdonotmakemoneyfromfeesandcommissions.（False）7.Mobilebankingislesssecurethanvisitingabankbranch.（False）8.Theinterestrateisalwaysfixedforalltypesofbankaccounts.（False）9.Abankloanisalwaysapprovedimmediately.（False）10.Allbanksofferthesametypesofservices.（False）四、簡答題（每題5分，共4題）1.Brieflyexplainthedifferencebetweenasavingsaccountandacurrentaccount.Answer:Asavingsaccountismainlyforsavingmoneyandusuallyhasahigherinterestrate.Itmayhavesomerestrictionsonthenumberofwithdrawals.Acurrentaccountisfordailytransactionslikepayingbillsandmakingpurchases.Itoftenhaslowerornointerestbutoffersmoreflexibilityintermsofwithdrawalsandpayments.2.Whatarethemainrisksfacedbybanks?Answer:Banksfacecreditrisk(borrowersmaynotrepayloans),marketrisk(changesininterestrates,exchangeratesetc.),andoperationalrisk(problemswithinthebank'soperationslikesystemfailures).3.Nametwowaysabankcanattractnewcustomers.Answer:Offeringcompetitiveinterestratesandprovidingexcellentcustomerservice.4.Whatistheimportanceofidentityverificationinbanking?Answer:Ithelpspreventfraud,ensuresthesecurityofcustomers'accountsandmoney,andcomplieswithregulatoryrequirements.五、討論題（每題5分，共4題）1.Discusstheimpactofdigitalizationonbankingservices.Answer:Digitalizationhasincreasedconvenience.Customerscanaccessservices24/7.Ithasalsoreducedcostsforbanks.However,itbringssecuritychallengeslikecyber-attacks.2.Howcanbanksimprovetheircustomerservice?Answer:Bytrainingstaffbetter,offeringmorepersonalizedservices,andimprovingresponsetimestocustomerinquiries.3.Whatroledoesthecentralbankplayinthestabilityofthefinancialsystem?Answer:Itregulatescommercialbanks,setsmonetarypolicytocontrolinflationandmoneysupply,andprov