上海2025自考[金融學(xué)]英語（二）易錯題專練一、單項(xiàng)選擇題（每題1分，共20題）1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.threatenedD.supported2.InthecontextofShanghai'sfinancialmarket,"regulatoryarbitrage"refersto______.A.illegalfinancialactivitiesB.theexploitationoftaxloopholesC.cross-bordercapitalflightD.mutualfunddiversification3.WhichofthefollowingisNOTacharacteristicofIslamicbanking?A.Prohibitionofinterest(Riba)B.Risk-sharingbetweenbanksandclientsC.FocusonspeculativeinvestmentsD.Emphasisonsocialwelfare4.TheShanghaiStockExchange(SSE)isknownforits______listingsystem.A.price-drivenB.book-drivenC.hybridD.auction-based5.A"hedgefund"typicallyengagesin______.A.conservative,low-riskinvestmentsB.short-termtradingwithhighleverageC.governmentbondsonlyD.retailbankingservices6.TheBaselAccordsprimarilyregulate______.A.corporategovernanceB.derivativestradingC.capitaladequacyoffinancialinstitutionsD.consumercreditprotection7.InChina,the"dual-tracksystem"refersto______.A.thefixedexchangerateandfloatingexchangerateregimesB.thestate-ownedandprivatebankingsectorsC.theinterbankandretaillendingmarketsD.thecapitalaccountandcurrentaccountopenness8.The"影子銀行"(ShadowBanking)systeminChinaincludes______.A.commercialbanksonlyB.insurancecompaniesonlyC.trustfunds,wealthmanagementproducts,andP2PlendingD.centralbankreserves9.The"ChinaBondMarketAggregationInitiative"(CMAI)aimsto______.A.reduceinterestratesB.centralizebondtradingC.increaseforeigninvestmentD.eliminatebonddefaults10.Whichfinancialinstrumentismostsuitableforhedginginterestraterisk?A.ForwardcontractB.EquityoptionC.FuturescontractD.Swaption11.The"ChinaInternationalFinancialCenter"(CIFC)islocatedin______.A.BeijingB.ShanghaiC.ShenzhenD.Guangzhou12.The"Cross-BorderE-Bank"(CBEB)initiativefacilitates______.A.domesticpaymentsonlyB.cross-borderpaymentsandremittancesC.cryptocurrencytradingD.stockmarketinvestments13.TheShanghaiFreeTradeZone(FTZ)wasestablishedto______.A.attractforeigndirectinvestment(FDI)B.regulatedomesticbanksC.eliminatefinancialrisksD.promotecashlesspayments14.The"ChinaAssetManagementCompany"(CIMC)specializesin______.A.equitytradingB.wealthmanagementC.assetsecuritizationD.insuranceunderwriting15.A"BaselIII"compliantbankmustmaintaina______capitaladequacyratio.A.4%minimumB.6%minimumC.8%minimumD.10%minimum16.The"ChinaDevelopmentBank"(CDB)isprimarilya______.A.commercialbankB.policybankC.centralbankD.investmentbank17.The"ShanghaiInternationalFinancialCenter"(SIFC)aimsto______.A.reduceinflationB.promotegreenfinanceC.attractglobalfinancialinstitutionsD.regulatefintechcompanies18.The"RMBbondindex"trackstheperformanceof______.A.corporatebondsinUSDB.governmentbondsinEURC.Chineseyuan-denominatedbondsD.internationalbonds19.The"ChinaFinancialRegulatoryReformandInternationalizationPlan"focuseson______.A.increasinginterestratesB.reducingtradebarriersC.liberalizingcapitalflowsD.strengtheninganti-moneylaundering(AML)measures20.The"ShanghaiStockConnect"linkstheSSEto______.A.theLondonStockExchangeB.theTokyoStockExchangeC.theHongKongStockExchangeD.theNewYorkStockExchange二、多項(xiàng)選擇題（每題2分，共10題）1.WhichofthefollowingarekeychallengesinShanghai'sfinancialinnovation?A.RegulatorycomplianceB.CybersecurityrisksC.TalentshortagesD.Lowliquidity2.TheShanghaiInternationalFinancialCenter(SIFC)promotes______.A.cross-bordercapitalflowsB.greenfinancialproductsC.fintechdevelopmentD.regulatoryharmonization3.Islamicbankingprohibits______.A.uncertainty(Gharar)B.interest(Riba)C.speculativeinvestments(Maysir)D.asset-backedfinancing4.TheBaselAccordsaimto______.A.ensureglobalfinancialstabilityB.reducebankleverageC.increaseinterestratesD.promotemoneylaundering5.The"ShadowBanking"systeminChinaincludes______.A.trustcompaniesB.P2PlendersC.insurancefundsD.commercialbanks6.The"ChinaBondMarketAggregationInitiative"(CMAI)benefits______.A.domesticinvestorsB.foreigninvestorsC.bondissuersD.brokers7.The"Cross-BorderE-Bank"(CBEB)facilitates______.A.remittancesB.cross-borderpaymentsC.tradefinanceD.cryptocurrencytransactions8.TheShanghaiFreeTradeZone(FTZ)introduced______reforms.A.capitalaccountliberalizationB.interestrateliberalizationC.bondedlogisticsD.freetradezones9.The"ChinaAssetManagementCompany"(CIMC)offers______.A.wealthmanagementproductsB.assetsecuritizationC.equityfinancingD.insuranceproducts10.The"ShanghaiStockConnect"linkstheSSEto______.A.theHongKongStockExchangeB.theShanghaiStockExchangeC.theNewYorkStockExchangeD.theTokyoStockExchange三、判斷題（每題1分，共10題）1.TheShanghaiStockExchange(SSE)isthelargeststockexchangeinChina.(True/False)2.Islamicbankingdoesnotallowprofit-sharing(Mudarabah).(True/False)3.TheBaselAccordsimposehighercapitalrequirementsonbanks.(True/False)4.The"ShadowBanking"systemisfullyregulatedinChina.(True/False)5.The"ChinaBondMarketAggregationInitiative"(CMAI)centralizesbondtrading.(True/False)6.The"Cross-BorderE-Bank"(CBEB)isafintechcompany.(True/False)7.TheShanghaiFreeTradeZone(FTZ)hasfullyliberalizedthecapitalaccount.(True/False)8.The"ChinaAssetManagementCompany"(CIMC)isstate-owned.(True/False)9.The"RMBbondindex"includesonlygovernmentbonds.(True/False)10.The"ShanghaiStockConnect"allowsforeigninvestorstotradedirectlyontheSSE.(True/False)四、填空題（每題1分，共10題）1.TheShanghaiInternationalFinancialCenter(SIFC)aimsto______theworld'stopfinancialcenters.2.Islamicbankingprohibits______andpromotesprofit-sharing.3.TheBaselAccordsrequirebankstomaintainaminimum______capitaladequacyratio.4.The"ShadowBanking"systeminChinaincludes______andwealthmanagementproducts.5.The"ChinaBondMarketAggregationInitiative"(CMAI)centralizes______trading.6.The"Cross-BorderE-Bank"(CBEB)facilitates______andremittances.7.TheShanghaiFreeTradeZone(FTZ)introduced______reformsin2013.8.The"ChinaAssetManagementCompany"(CIMC)specializesin______andwealthmanagement.9.The"RMBbondindex"trackstheperformanceof______-denominatedbonds.10.The"ShanghaiStockConnect"linkstheSSEtothe______StockExchange.五、簡答題（每題5分，共4題）1.ExplaintheroleoftheShanghaiStockExchange(SSE)inChina'sfinancialmarket.2.DescribethekeyfeaturesofIslamicbankingandhowtheydifferfromconventionalbanking.3.Whatarethemainchallengesinregulatingthe"ShadowBanking"systeminChina?4.Howdoesthe"ShanghaiStockConnect"promotecross-bordercapitalflows?六、論述題（每題10分，共2題）1.DiscussthesignificanceoftheShanghaiInternationalFinancialCenter(SIFC)inChina'sfinancialliberalizationefforts.2.AnalyzetheimpactoffintechonthetraditionalbankingindustryinShanghai.答案與解析一、單項(xiàng)選擇題1.A-解析：Fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)進(jìn)行創(chuàng)新。2.B-解析：在上海市金融市場的背景下，“監(jiān)管套利”指的是利用稅收漏洞。3.C-解析：伊斯蘭銀行的特性包括禁止利息（Riba）、風(fēng)險共擔(dān)、禁止投機(jī)性投資，但并非強(qiáng)調(diào)社會福利。4.C-解析：上海證券交易所（SSE）采用混合交易系統(tǒng)。5.B-解析：對沖基金通常進(jìn)行高杠桿的短期交易。6.C-解析：巴塞爾協(xié)議主要監(jiān)管銀行的資本充足率。7.B-解析：中國的“雙軌制”指國有銀行和民營銀行并存。8.C-解析：中國的“影子銀行”系統(tǒng)包括信托公司、P2P借貸和理財產(chǎn)品。9.B-解析：“中國債券市場聚合倡議”（CMAI）旨在集中債券交易。10.C-解析：期貨合約最適合對沖利率風(fēng)險。11.B-解析：“中國國際金融中心”（CIFC）位于上海。12.B-解析：“跨境電子銀行”（CBEB）促進(jìn)跨境支付和匯款。13.A-解析：上海自貿(mào)區(qū)旨在吸引外國直接投資（FDI）。14.B-解析：“中資資產(chǎn)管理公司”（CIMC）專注于財富管理。15.C-解析：符合“巴塞爾III”標(biāo)準(zhǔn)的銀行必須維持8%的資本充足率。16.B-解析：“中國開發(fā)銀行”（CDB）是一家政策性銀行。17.C-解析：“上海國際金融中心”（SIFC）旨在吸引全球金融機(jī)構(gòu)。18.C-解析：“人民幣債券指數(shù)”追蹤人民幣計(jì)價債券的表現(xiàn)。19.C-解析：“中國金融改革與開放計(jì)劃”聚焦資本賬戶開放。20.C-解析：“上海股市通”連接上海證券交易所與香港交易所。二、多項(xiàng)選擇題1.A,B,C-解析：上海金融創(chuàng)新面臨監(jiān)管合規(guī)、網(wǎng)絡(luò)安全和人才短缺的挑戰(zhàn)。2.A,B,C,D-解析：SIFC促進(jìn)跨境資本流動、綠色金融、金融科技和監(jiān)管協(xié)調(diào)。3.A,B,C-解析：伊斯蘭銀行禁止不確定性（Gharar）、利息（Riba）和投機(jī)性投資（Maysir）。4.A,B-解析：巴塞爾協(xié)議旨在確保全球金融穩(wěn)定并降低銀行杠桿。5.A,B-解析：中國的“影子銀行”系統(tǒng)包括信托公司和P2P借貸。6.A,B,C,D-解析：CMAI使國內(nèi)外投資者、發(fā)行人、經(jīng)紀(jì)商受益。7.A,B,C-解析：CBEB促進(jìn)跨境匯款、支付和貿(mào)易融資。8.A,B,C-解析：上海自貿(mào)區(qū)引入資本賬戶、利率和保稅物流改革。9.A,B-解析：CIMC提供財富管理和資產(chǎn)證券化服務(wù)。10.A-解析：上海股市通連接上海證券交易所與香港交易所。三、判斷題1.True-解析：上海證券交易所是中國規(guī)模最大