天津2025自考[金融學(xué)]英語（二）客觀題專練一、單項選擇（共20題，每題1分，計20分）1.TherapiddevelopmentoffintechinTianjinhassignificantlytransformedthetraditionalbankingsector.A.encouragedB.transformedC.influencedD.limited2.WhichofthefollowingisakeyregulatorychallengeforthegrowthofgreenfinanceinTianjin?A.LowinterestratesB.LackofstandardizedpoliciesC.HighliquidityD.Excessivecompetition3.ThecomprehensivebondmarketinTianjinplaysacrucialroleinsupportinglocalenterprises'capitalneeds.A.speculativeB.comprehensiveC.secondaryD.government4.Toenhancefinancialinclusion,Tianjinhasbeenpromotingtheuseofdigitalwalletsamongitsresidents.A.traditionalbankingB.digitalwalletsC.creditcardsD.papercurrency5.TheBaselIIIframeworkhasimposedstrictercapitalrequirementsonbanksinTianjin.A.BaselIIB.BaselIIIC.BaselIVD.BaselI6.TheTianjingovernmenthasestablishedseveralspecialeconomiczonestoattractforeigninvestmentinthefinancialsector.A.industrialB.financialC.agriculturalD.technological7.TheshadowbankingsectorinTianjinhasseenariseinnon-bankfinancialintermediaries.A.traditionalbankingB.shadowbankingC.centralbankingD.commercialbanking8.TheinterestrateswapisafinancialderivativecommonlyusedbyTianjin-basedcompaniestohedgeagainstinterestraterisk.A.forwardcontractB.interestrateswapC.futurescontractD.optionscontract9.TheLocalGovernmentBondmarketinTianjinprovidesaplatformforthegovernmenttoraisefundsforpublicprojects.A.MunicipalBondB.CorporateBondC.LocalGovernmentBondD.TreasuryBond10.TheChinaSecuritiesRegulatoryCommission(CSRC)overseesthefinancialmarketsinTianjin.A.People'sBankofChinaB.ChinaSecuritiesRegulatoryCommissionC.NationalDevelopmentandReformCommissionD.StateAdministrationofTaxation11.TheForeignExchangeTradingSysteminTianjinallowsforthetradingofvariouscurrencies.A.ForeignExchangeTradingSystemB.CapitalMarketsTradingSystemC.BondTradingSystemD.StockTradingSystem12.TheIslamicfinancesectorinTianjinhasbeengrowing,offeringSharia-compliantfinancialproducts.A.conventionalfinanceB.IslamicfinanceC.traditionalbankingD.shadowbanking13.ThefinancialstabilityofTianjin'sbankingsectoriscloselymonitoredbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC).A.financialinclusionB.financialstabilityC.economicgrowthD.marketefficiency14.ThestockexchangeinTianjinprovidesaplatformforcompaniestolisttheirsharesandraisecapital.A.stockexchangeB.bondmarketC.derivativesmarketD.foreignexchangemarket15.Thefinancialtechnology(fintech)industryinTianjinhasbeenattractingsignificantinvestment.A.traditionalbankingB.fintechC.insuranceD.realestate16.ThecreditratingofacompanyinTianjinaffectsitsabilitytoborrowfunds.A.creditratingB.financialperformanceC.marketshareD.economicgrowth17.ThemonetarypolicyofthePeople'sBankofChinainfluencesthefinancialconditionsinTianjin.A.fiscalpolicyB.monetarypolicyC.tradepolicyD.industrialpolicy18.ThebondissuanceprocessinTianjininvolvesunderwriters,investors,andregulatorybodies.A.stockissuanceB.bondissuanceC.derivativeissuanceD.foreignexchangeissuance19.ThefinancialderivativesmarketinTianjinoffersinstrumentslikefuturesandoptions.A.financialderivativesB.fixedincomeC.equityD.realestate20.Thecapitaladequacyratio(CAR)isakeymetricforassessingthefinancialhealthofbanksinTianjin.A.liquidityratioB.capitaladequacyratioC.leverageratioD.returnonequity二、多項選擇（共10題，每題2分，計20分）21.WhichofthefollowingarekeyfactorscontributingtothegrowthofthefinancialsectorinTianjin?A.GovernmentsupportB.HighpopulationdensityC.ProximitytoBeijingD.Advancedinfrastructure22.ThefollowingarechallengesfacedbythefinancialsectorinTianjinEXCEPT:A.RegulatorycomplianceB.HighinflationratesC.MarketcompetitionD.Technologicaladvancements23.ThefollowingaretypesoffinancialinstrumentscommonlyusedinTianjin'smarketEXCEPT:A.StocksB.BondsC.RealestateD.Derivatives24.ThefollowingarerolesofthePeople'sBankofChinainTianjinEXCEPT:A.MonetarypolicyimplementationB.BankingsupervisionC.ForeignexchangeregulationD.Tradepolicyformulation25.ThefollowingarebenefitsoffinancialinclusioninTianjinEXCEPT:A.IncreasedaccesstocreditB.ReducedeconomicinequalityC.HigherinflationratesD.Improvedfinancialliteracy26.ThefollowingarecomponentsoftheBaselIIIframeworkEXCEPT:A.HighercapitalrequirementsB.EnhancedliquiditystandardsC.ReducedregulatoryoversightD.Stresstestingrequirements27.ThefollowingarefeaturesoftheshadowbankingsectorinTianjinEXCEPT:A.HigherriskprofileB.LowerregulatoryoversightC.TraditionalbankingactivitiesD.Non-bankfinancialintermediaries28.ThefollowingaretypesoffinancialderivativescommonlyusedinTianjinEXCEPT:A.FuturesB.OptionsC.SwapsD.Realestate29.ThefollowingarefunctionsofthestockexchangeinTianjinEXCEPT:A.ListingcompaniesB.RaisingcapitalC.RegulatingfinancialinstitutionsD.Tradingsecurities30.ThefollowingarechallengesofthefintechindustryinTianjinEXCEPT:A.RegulatorycomplianceB.TechnologicalinnovationC.MarketcompetitionD.Highinfrastructurecosts三、判斷題（共10題，每題1分，計10分）31.ThefinancialsectorinTianjinisprimarilydominatedbytraditionalbankinginstitutions.32.TheBaselIIIframeworkhassignificantlyreducedthecapitalrequirementsforbanksinTianjin.33.TheIslamicfinancesectorinTianjinoffersSharia-compliantfinancialproducts.34.ThestockexchangeinTianjinistheprimaryplatformfortradingbonds.35.ThePeople'sBankofChinaisthemainregulatorybodyforthefinancialsectorinTianjin.36.ThecreditratingofacompanyinTianjinisdeterminedbytheChinaSecuritiesRegulatoryCommission.37.ThefinancialderivativesmarketinTianjinishighlyregulated.38.ThebondissuanceprocessinTianjininvolvesunderwriters,investors,andregulatorybodies.39.Thecapitaladequacyratio(CAR)isakeymetricforassessingthefinancialhealthofbanksinTianjin.40.ThefintechindustryinTianjinisgrowingrapidly,attractingsignificantinvestment.答案與解析一、單項選擇1.B.transformed解析：天津金融科技的快速發(fā)展已經(jīng)顯著地改變了傳統(tǒng)銀行部門。2.B.lackofstandardizedpolicies解析：天津綠色金融增長的一個關(guān)鍵監(jiān)管挑戰(zhàn)是缺乏標(biāo)準(zhǔn)化政策。3.B.comprehensive解析：天津的綜合債券市場在支持本地企業(yè)資金需求方面發(fā)揮著至關(guān)重要的作用。4.B.digitalwallets解析：為了提高金融包容性，天津一直在推廣居民使用數(shù)字錢包。5.B.BaselIII解析：巴塞爾III框架對天津的銀行實施了更嚴(yán)格的資本要求。6.B.financial解析：天津政府已設(shè)立多個金融經(jīng)濟(jì)特區(qū)以吸引外國投資。7.B.shadowbanking解析：天津的影子銀行部門非銀行金融中介機(jī)構(gòu)有所增加。8.B.interestrateswap解析：利率互換是一種金融衍生品，天津-based公司常用它來對沖利率風(fēng)險。9.C.LocalGovernmentBond解析：天津的地方政府債券市場為政府提供了一個籌集公共項目資金的平臺。10.B.ChinaSecuritiesRegulatoryCommission解析：中國證監(jiān)會負(fù)責(zé)監(jiān)督天津的金融市場。11.A.ForeignExchangeTradingSystem解析：天津的外匯交易系統(tǒng)允許交易各種貨幣。12.B.Islamicfinance解析：天津的伊斯蘭金融部門正在增長，提供符合伊斯蘭教法的金融產(chǎn)品。13.B.financialstability解析：天津銀行部門金融穩(wěn)定狀況受到中國銀行保險監(jiān)督管理委員會的密切監(jiān)控。14.A.stockexchange解析：天津的證券交易所為公司提供了一個上市其股票并籌集資金的平臺。15.B.fintech解析：天津的金融科技行業(yè)吸引了大量投資。16.A.creditrating解析：天津一家公司的信用評級會影響其借款能力。17.B.monetarypolicy解析：中國人民銀行貨幣政策影響天津的金融狀況。18.B.bondissuance解析：天津的債券發(fā)行過程涉及承銷商、投資者和監(jiān)管機(jī)構(gòu)。19.A.financialderivatives解析：天津的金融衍生品市場提供期貨和期權(quán)等工具。20.B.capitaladequacyratio解析：資本充足率（CAR）是評估天津銀行財務(wù)健康狀況的關(guān)鍵指標(biāo)。二、多項選擇21.A.governmentsupport,C.proximitytoBeijing,D.advancedinfrastructure解析：以下是對天津金融部門增長的貢獻(xiàn)因素：政府支持、靠近北京、先進(jìn)的基礎(chǔ)設(shè)施。22.B.highinflationrates解析：以下不是天津金融部門面臨的挑戰(zhàn)：高通脹率。23.