北京2025自考[金融學]英語（二）選擇題專練一、單項選擇（共10題，每題1分）1.Therapiddevelopmentoffintechhassignificantlychangedthetraditionalfinancialserviceindustry,especiallyintermsof__________.A)assetmanagementB)riskassessmentC)paymentsystemsD)investmentstrategies2.InthecontextofChina'sfinancialmarket,theShanghaiStockExchange(SSE)isrenownedforits__________listingrequirementscomparedtotheShenzhenStockExchange(SZSE).A)morelenientB)similarC)morestringentD)lesstransparent3.Afinancialintermediarythatspecializesinfacilitatingshort-termborrowingandlendingamongcorporationsisknownasa__________.A)commercialbankB)investmentbankC)moneymarketmutualfundD)futuresexchange4.TheBaselAccordsareprimarilydesignedto__________.A)regulatecryptocurrencytradingB)setcapitaladequacystandardsforbanksC)overseeinsurancecompanyoperationsD)promoteinternationaltradefinancing5.InChina,theregulatoryauthorityresponsibleforsupervisingtheinsuranceindustryisthe__________.A)ChinaBankingandRegulatoryCommission(CBRC)B)ChinaSecuritiesRegulatoryCommission(CSRC)C)ChinaInsuranceRegulatoryCommission(CIRC)D)NationalDevelopmentandReformCommission(NDRC)6.Theconceptof"financialinclusion"refersto__________.A)increasingthenumberoffinancialinstitutionsB)expandingaccesstofinancialservicesforunderservedpopulationsC)raisinginterestratestoattractmoreinvestorsD)reducingtheregulatoryburdenonbanks7.Afinancialinstrumentthatderivesitsvaluefromanunderlyingasset,suchasstocksorbonds,iscalleda__________.A)derivativeB)equityC)fixedincomeD)mutualfund8.The"dual-tracksystem"inChina'sforeignexchangemarketrefersto__________.A)thesimultaneoususeoftheUSdollarandRMBintradesettlementsB)thecoexistenceofthespotandforwardexchangemarketsC)theparalleloperationoftheinterbankandretailforeignexchangemarketsD)theregulationofcross-bordercapitalflows9.Theyieldcurve,whichplotstherelationshipbetweenbondyieldsandtheirmaturities,typicallyreflects__________.A)investorrisktoleranceB)inflationexpectationsC)centralbankpoliciesD)economicgrowthforecasts10.A"blackswan"eventinfinancerefersto__________.A)ahighlypredictablemarketdownturnB)arare,unexpectedeventwithseverefinancialconsequencesC)asuccessfulmergerbetweentwofinancialfirmsD)agovernmentbailoutofaninsolventinstitution二、多項選擇（共5題，每題2分）1.ThefollowingarekeychallengesfacedbyChina'sruralfinancialsystem:A)insufficientcreditinfrastructureB)hightransactioncostsC)lowfinancialliteracyamongfarmersD)excessiveregulatoryoversightE)rapidtechnologicaladoption2.TheChinaAssetManagementCompany(AMC)isinvolvedin__________.A)managingsovereignwealthfundsB)handlingstate-ownedenterprise(SOE)assetrestructuringC)providingwealthmanagementservicestoretailclientsD)underwritingIPOsforprivatecompaniesE)conductingmacroprudentialstresstests3.Thefollowingarecommonlyusedtoolsforriskmanagementinthefinancialsector:A)value-at-risk(VaR)modelsB)creditdefaultswaps(CDS)C)futurescontractsD)scenarioanalysisE)dividendreinvestmentplans4.TheChinaSecuritiesRegulatoryCommission(CSRC)oversees__________.A)stockmarketlistingsandtradingB)insurancecompanymergersC)pensionfundinvestmentsD)bankingsectorlendingpracticesE)securitiesfraudenforcement5.Thefollowingarecharacteristicsofawell-functioningcapitalmarketinChina:A)highliquidityB)efficientpricediscoveryC)broadinvestorparticipationD)strictpricecontrolsE)minimalregulatoryintervention三、判斷題（共5題，每題1分）1.ThePeople'sBankofChina(PBOC)isthecentralbankoftheUnitedStates.(×)2.TheShanghaiFreeTradeZone(FTZ)haspioneeredmanyfinancialreformsinChina,suchasinterestrateliberalization.(√)3.The"one-childpolicy"inChinaledtoasignificantincreaseinthesavingsrate,whichboostedfinancialmarketgrowth.(√)4.TheChinaExchangeTradedFund(ETF)industryhasgrownrapidlyduetoincreasedretailinvestmentinthestockmarket.(√)5.The"dual-tracksystem"forforeignexchangehasbeencompletelyphasedoutinfavorofafullyfloatingexchangerate.(×)四、填空題（共5題，每題2分）1.TheChinesegovernment's"______"initiativeaimstointegratethedomesticfinancialmarketwithglobalmarkets.2.Afinancialinstrumentthatprovidesinvestorswithownershipinacompanyiscalleda(n)______.3.The______istheprimaryregulatorybodyfortheinsuranceindustryinChina.4.The______referstotheprocessofconvertingnon-financialassetsintofinancialassetsfortrading.5.The______isakeyindicatorofacountry'seconomichealthandiscloselymonitoredbyfinancialanalysts.答案與解析一、單項選擇1.C|Paymentsystemshavebeenrevolutionizedbyfintech,suchasmobilepaymentsanddigitalwallets.2.C|SSEhasstricterlistingrequirements,includinghigherprofitandassetthresholds.3.C|Moneymarketmutualfundsfacilitateshort-termcorporatefinancing.4.B|BaselAccordsfocusonbankcapitaladequacyandriskmanagement.5.C|CIRCsupervisestheinsurancesectorinChina.6.B|Financialinclusionaimstoprovideaccesstobankingservicesformarginalizedgroups.7.A|Derivativesderivetheirvaluefromunderlyingassets.8.B|Thedual-tracksystemallowsspotandforwardexchangeratestocoexist.9.B|Theyieldcurvereflectsinflationexpectationsandinvestorsentiment.10.B|Ablackswaneventisalow-probability,high-impactoccurrence.二、多項選擇1.A,B,C|China'sruralfinancefacescreditgaps,highcosts,andlowliteracy.2.B,C|AMCspecializesinSOEassetmanagementandwealthservices.3.A,B,C,D|VaR,CDS,futures,andscenarioanalysisarekeyrisktools.4.A,D,E|CSRCoverseessecuritiesmarkets,fraud,andbankingregulation.5.A,B,C|Efficientcapitalmarketsrequireliquidity,