廣西2025自考[金融學(xué)]英語（二）考前沖刺練習(xí)題一、單項選擇（共20題，每題1分，計20分）1.TherapiddevelopmentoffintechinGuangxihas______thetraditionalbankingsectortoinnovate.A.forcedB.compelledC.pushedD.urged2.WhichofthefollowingisNOTatypicalfunctionofthePeople'sBankofChina?A.FormulatingmonetarypolicyB.SupervisingfinancialinstitutionsC.ManagingforeignexchangereservesD.Issuingcorporatebonds3.Theterm"shadowbanking"refersto______.A.banksoperatinginundergroundeconomiesB.non-bankfinancialinstitutionsprovidingcreditservicesC.illegalfinancialactivitiesD.bankswithhiddendebts4.Inthecontextof廣西ruralcredit,microfinanceplaysakeyrolein______.A.increasinginflationB.reducingpovertyC.raisinginterestratesD.promotingindustrialization5.TheBaselAccordsprimarilyfocuson______.A.environmentalsustainabilityB.financialriskmanagementC.labormarketregulationsD.tradepolicies6.A"derivatives"marketinGuangximightinvolvetrading______.A.stocksonlyB.bondsonlyC.futuresandoptionsD.realestatedirectly7.The"一帶一路"initiativehas______cross-borderfinancialcooperationbetweenGuangxiandSoutheastAsiancountries.A.limitedB.hinderedC.strengthenedD.ignored8.Whichfinancialinstrumentismostsuitableforlong-terminvestment?A.MoneymarketfundsB.StocksC.TreasurybondsD.Savingsaccounts9.The"guaranteedloan"programin廣西oftentargets______.A.largecorporationsB.smallandmedium-sizedenterprises(SMEs)C.governmentagenciesD.foreigninvestors10.The"dual-track"interestratesysteminChinarefersto______.A.fixedandfloatingratesB.domesticandforeignexchangeratesC.urbanandruralratesD.industrialandagriculturalrates11.A"financialinclusion"policyin廣西aimsto______.A.reducethenumberofbankbranchesB.increasetheuseofdigitalbankingC.limitaccesstocreditD.eliminatefinancialinstitutions12.The"RMBinternationalization"strategyinvolves______.A.banningtheuseofRMBinforeigntransactionsB.encouragingtheuseofRMBinglobaltradeC.restrictingRMBconversionsD.promotingYuanbondsinoverseasmarkets13.The"guaranteeddepositinsurance"inChinaprotectsdepositorsupto______.A.100,000yuanB.500,000yuanC.1millionyuanD.2millionyuan14.A"financialcrisis"inGuangximightbecausedby______.A.excessivegovernmentspendingB.insufficientforeignreservesC.highinflationD.alloftheabove15.The"greenfinance"initiativein廣西focuseson______.A.fundingcoalprojectsB.supportingrenewableenergyC.encouraginghigh-interestloansD.reducingbankprofits16.The"financialsupervision"bureauinChinaoversees______.A.stockmarketsonlyB.insurancecompaniesonlyC.allfinancialinstitutionsD.non-financialbusinesses17.A"financialderivative"canbeusedto______.A.reduceriskB.increaseriskC.eliminateriskD.stabilizeprices18.The"cross-borderpayment"systemin廣西facilitatestransactionsin______.A.onlyUSDB.onlyRMBC.multiplecurrenciesD.nocurrency19.The"financialtechnology"(fintech)sectorinGuangxiisgrowingdueto______.A.strictgovernmentregulationsB.highcostsoftraditionalbankingC.increaseddigitaladoptionD.reducedcompetition20.The"financialliteracy"programin廣西aimsto______.A.encouragemorepeopletotakeloansB.educatecitizensaboutfinancialrisksC.increasebankfeesD.reducethenumberofbankaccounts二、完形填空（共10空，每空1分，計10分）ThefinancialsectorinGuangxihasundergonesignificantchangesinrecentyears.Withthedevelopmentof(21)andthe"一帶一路"initiative,theregionhasseenincreased(22)incross-bordertrade.Localbankshaveadaptedbyoffering(23)products,suchas(24)loansforSMEsand(25)financingforrenewableenergyprojects.However,challengesremain,including(26)infinancialinclusionandtheneedfor(27)supervisiontopreventrisks.Thegovernmenthasintroducedpoliciesto(28)theseissues,suchassubsidiesfor(29)andincentivesfordigitalbanking.AsGuangxicontinuestogrow,itsfinancialsectorwillplayacrucialrolein(30)economicdevelopment.21.A.fintechB.policyC.inflationD.banking22.A.competitionB.demandC.recessionD.collapse23.A.traditionalB.innovativeC.riskyD.expensive24.A.personalB.corporateC.agriculturalD.realestate25.A.greenB.short-termC.high-interestD.speculative26.A.improvementB.reductionC.expansionD.stagnation27.A.strictB.lenientC.absentD.flexible28.A.addressB.ignoreC.createD.worsen29.A.ruralcreditB.urbanloansC.foreigninvestmentsD.luxurygoods30.A.supportingB.hinderingC.disruptingD.neglecting三、閱讀理解（共2篇，每題2分，計20分）Passage1Guangxihasbeenactivelypromotingfinancialinclusiontoimproveaccesstobankingservicesforruralresidents.Thegovernmenthaspartneredwithlocalbankstoestablish"financialhelpstations"inremoteareas.Thesestationsprovidebasicbankingservices,suchasdeposits,withdrawals,andmicro-loans,withoutrequiringphysicalbranches.Additionally,mobilebankingappshavebeenintroducedtoreachpopulationswithoutaccesstotraditionalinfrastructure.Theinitiativehasseensuccessinincreasingbankaccountownershipamonglow-incomehouseholds,butchallengesremainintermsofdigitalliteracyandcybersecurity.Questions:1.Whatisthemainpurposeofthe"financialhelpstations"inGuangxi?A.ToincreasebankfeesB.ToserveurbanpopulationsC.ToimproveaccesstobankinginruralareasD.Topromoteforeignbankingbrands2.HowhavemobilebankingappshelpedwithfinancialinclusioninGuangxi?A.Theyhavereplacedtraditionalbanksentirely.B.Theyprovideservicestoareaswithoutphysicalbranches.C.Theyrequirehighliteracyrates.D.Theyfocusonlyonwealthiercustomers.3.Whatchallengesarementionedinthepassage?A.HighinflationB.CybersecurityrisksC.ExcessivegovernmentspendingD.ReducedcompetitionPassage2ThedevelopmentofthefintechsectorinGuangxihasbeendrivenbygovernmentsupportandincreasingdigitaladoption.Localcompanieshaveemergedinareassuchaspaymentsystems,onlinelending,andblockchaintechnology.Thegovernmenthasprovidedtaxincentivesandfundingtoencourageinnovation.However,regulatorychallengesremain,particularlyinareaslikedataprivacyandanti-moneylaundering.Despitetheseissues,thefintechindustryisexpectedtogrowsignificantlyinthecomingyears,contributingtotheregion'seconomicdiversification.Questions:4.WhathasbeenthemaindriveroffintechgrowthinGuangxi?A.HighinterestratesB.GovernmentsupportanddigitaladoptionC.ReducedbankcompetitionD.Increasedforeigninvestment5.Whatregulatorychallengesarementionedinthepassage?A.HighinflationB.CybersecurityrisksC.TradebarriersD.Environmentalconcerns四、翻譯（共5題，每題2分，計10分）1.將“廣西的綠色金融政策旨在支持可再生能源項目?！狈g成英文。2.將“中國（廣西）的農(nóng)村信用合作社在支持當(dāng)?shù)剞r(nóng)業(yè)發(fā)展方面發(fā)揮了重要作用?！狈g成英文。3.將“一帶一路倡議促進了廣西與東南亞國家的跨境支付合作?！狈g成英文。4.將“金融監(jiān)管機構(gòu)必須確保金融市場的穩(wěn)定?！狈g成英文。5.將“提高公眾的金融素養(yǎng)是減少金融風(fēng)險的關(guān)鍵。”翻譯成英文。五、簡答題（共2題，每題5分，計10分）1.簡述廣西農(nóng)村信用合作社的主要作用。2.解釋“RMB國際化”戰(zhàn)略對廣西經(jīng)濟的影響。答案與解析一、單項選擇1.B(TherapiddevelopmentoffintechinGuangxihascompelledthetraditionalbankingsectortoinnovate.)2.D(ThePeople'sBankofChinadoesnotissuecorporatebonds;thisistheroleofcommercialbanks.)3.B(Shadowbankingreferstonon-bankfinancialinstitutionsprovidingcreditservices,oftenoutsidetraditionalbankingregulations.)4.B(Microfinanceisdesignedtoreducepovertybyprovidingsmallloanstounderservedpopulations.)5.B(TheBaselAccordsfocusonfinancialriskmanagement,particularlycapitalrequirementsandliquidity.)6.C(Aderivativesmarkettradesfuturesandoptions,whicharefinancialcontractsbasedonfutureprices.)7.C("一帶一路"hasstrengthenedcross-borderfinancialcooperationbetweenGuangxiandSoutheastAsiancountries.)8.C(Treasurybondsarelong-termdebtinstrumentsissuedbygovernments.)9.B(Guaranteedloansin廣西oftentargetsmallandmedium-sizedenterprisestopromotelocaleconomicgrowth.)10.A(Thedual-trackinterestratesysteminChinausesbothfixedandfloatingratesfordifferentloantypes.)11.B("Financialinclusion"policiesaimtoincreasetheuseofdigitalbankingamongunderservedpopulations.)12.B("RMBinternationalization"encouragestheuseofRMBinglobaltradetoreducerelianceontheUSdollar.)13.B(China'sguaranteeddepositinsuranceprotectsdepositorsupto500,000yuan.)14.D(AfinancialcrisisinGuangximightbecausedbyexcessivegovernmentspending,insufficientforeignreserves,orhighinflation.)15.B("Greenfinance"in廣西focusesonsupportingrenewableenergyprojects.)16.C(ThefinancialsupervisionbureauinChinaoverseesallfinancialinstitutions,includingbanks,insurancecompanies,andsecuritiesfirms.)17.A(Financialderivativescanbeusedtohedgeorreducerisk.)18.C(Thecross-borderpaymentsystemin廣西facilitatestransactionsinmultiplecurrencies.)19.C(Thefintechsectorin廣西isgrowingduetoincreaseddigitaladoptionamongconsumersandbusinesses.)20.B("Financialliteracy"programsaimtoeducatecitizensaboutfinancialriskstopreventfraudandpoordecision-making.)二、完形填空21.A(fintech)22.B(demand)23.B(innovative)24.B(corporate)25.A(green)26.B(