上海2025自考[金融學]英語（二）高頻題(考點)一、選擇題（每題1分，共20分）（共20題）1.Therapiddevelopmentoffintechhassignificantlyimpactedthetraditionalbankingsectorby_________.A.reducingcompetitionB.enhancingcustomerserviceC.minimizingregulatoryoversightD.decreasingprofitmargins2.Whatdoestheterm"financialinclusion"primarilyrefertointhecontextofChina'sfinancialmarket?A.TheconcentrationofwealthinmajorcitiesB.TheexpansionoffinancialservicestoruralareasC.TheincreaseinforeigninvestmentD.Theriseofdigitalbankingplatforms3.WhichofthefollowingisakeycharacteristicoftheShanghaiStockExchange(SSE)?A.Itisprimarilyabondtradingmarket.B.IthasthelargestmarketcapitalizationinChina.C.Itfocusesexclusivelyonsmallandmediumenterprises(SMEs).D.ItisregulatedbythePeople'sBankofChina.4.AccordingtotheBaselIIIagreement,whatistheminimumcapitaladequacyratiorequiredforbanks?A.4%B.6%C.8%D.10%5.Whatistheprimarypurposeofthe"DualCircuitSystem"inChina'sfinancialmarket?A.Topromotecross-bordertradefinancingB.ToseparatetheA-shareandB-sharemarketsC.ToregulateforeignexchangetransactionsD.Tofacilitateprivateequityinvestments6.Whichfinancialinstrumentismostcommonlyusedforhedginginterestraterisk?A.FuturescontractB.OptionscontractC.SwapscontractD.Forwardcontract7.Whatdoestheterm"repomarket"refertointhecontextofChina'smoneymarket?A.Amarketforbuyingandsellinggovernmentbondsatfixedinterestrates.B.Amarketfortradingcorporatebondswithhighcreditrisk.C.Amarketforshort-termloansbetweenfinancialinstitutions.D.Amarketforforeigncurrencyderivatives.8.WhichofthefollowingisamajorcomponentoftheShanghaiInternationalFinancialCenter(SIFC)?A.TheChinaSecuritiesRegulatoryCommission(CSRC).B.ThePeople'sBankofChina(PBOC).C.TheShanghaiStockExchange(SSE).D.TheShanghaiFreeTradeZone(FTZ).9.Whatistheprimaryfunctionofthe"ChinaDevelopmentBank"?A.Toregulatefinancialmarkets.B.Toprovidepolicy-drivenloansforinfrastructureprojects.C.Tomanageforeignexchangereserves.D.Tooverseeinsurancecompanies.10.WhichfinancialindexismostcloselyassociatedwiththeShanghaiStockExchange?A.SSE50B.CSI300C.ShanghaiCompositeD.HangSengIndex11.Whatisthemainpurposeofthe"Cross-BorderInter-BankPaymentSystem"(CIPS)inChina?A.Tofacilitatedomesticcurrencytransactions.B.TopromoteinternationaltradeinU.S.dollars.C.Toregulatecryptocurrencyexchanges.D.Tosupportcross-borderRMBsettlements.12.Whichofthefollowingisaprimaryconcernforregulatorsregardingfintechcompanies?A.Theirlowprofitability.B.Theirlackofinnovation.C.Theirpotentialtodisrupttraditionalbanking.D.Theirhighoperationalcosts.13.Whatisthetermfortheprocessofmergingdifferentfinancialproductsintoasingleoffering?A.FinancialproductdiversificationB.FinancialproductbundlingC.FinancialproductstandardizationD.Financialproductsegmentation14.WhichofthefollowingisakeyfeatureoftheShanghaiInternationalFinancialCenter(SIFC)?A.Itisexclusivelyfordomesticcompanies.B.Itofferstaxincentivesforforeigninvestors.C.ItisregulatedbytheWorldBank.D.Itfocusesoncommoditytrading.15.Whatistheprimaryroleofthe"ChinaSecuritiesRegulatoryCommission"(CSRC)?A.Tomanageforeignexchangereserves.B.Toregulatethestockmarketandprotectinvestors.C.Tooverseebanksandinsurancecompanies.D.Topromotefinancialinclusioninruralareas.16.Whichfinancialinstrumentismostcommonlyusedforshort-terminterestratehedging?A.TreasurybondsB.InterestrateswapsC.MoneymarketfundsD.Mortgage-backedsecurities17.Whatisthetermforthepracticeofusingmultiplefinancialinstrumentstoreduceriskexposure?A.RiskaccumulationB.RiskmitigationC.RiskassumptionD.Riskavoidance18.WhichofthefollowingisakeycharacteristicoftheShanghaiStockExchange(SSE)?A.Itisprimarilyabondtradingmarket.B.IthasthelargestmarketcapitalizationinChina.C.Itfocusesexclusivelyonsmallandmediumenterprises(SMEs).D.ItisregulatedbythePeople'sBankofChina.19.Whatistheprimarypurposeofthe"DualCircuitSystem"inChina'sfinancialmarket?A.Topromotecross-bordertradefinancing.B.ToseparatetheA-shareandB-sharemarkets.C.Toregulateforeignexchangetransactions.D.Tofacilitateprivateequityinvestments.20.WhichfinancialinstitutionisresponsibleforformulatingandimplementingmonetarypolicyinChina?A.TheChinaSecuritiesRegulatoryCommission(CSRC).B.ThePeople'sBankofChina(PBOC).C.TheShanghaiStockExchange(SSE).D.TheShanghaiFreeTradeZone(FTZ).二、填空題（每空1分，共10分）（共10題）1.The_________isakeyfinancialindexthattrackstheperformanceoftopcompanieslistedontheShanghaiStockExchange.2.The_________isamajorpolicybankinChinathatfocusesonfundinglarge-scaleinfrastructureprojects.3.The_________isasystemdesignedtofacilitatecross-borderRMBsettlementsandreducerelianceontheU.S.dollar.4._________isafinancialinstrumentusedtohedgeagainstinterestrateriskbylockinginafutureinterestrate.5.The_________isaregulatorybodyresponsibleforoverseeingChina'sstockmarketandprotectinginvestors.6._________isthepracticeofintegratingmultiplefinancialproductsintoasingleofferingtoenhancecustomerappeal.7.TheShanghaiInternationalFinancialCenter(SIFC)aimstoattract_________byofferingafavorablebusinessenvironment.8._________istheprocessofmergingdifferentfinancialservicesunderonebrandorplatform.9.The_________isakeycomponentofChina'sfinancialmarketthatsupportsshort-termliquidityneeds.10.The_________isamechanismthatallowsinvestorstoborrowsecuritiesfromabrokertosellthemshort.三、判斷題（每題1分，共10分）（共10題）1.TheShanghaiStockExchange(SSE)isthelargeststockexchangeinChinabymarketcapitalization.2.TheBaselIIIagreementrequiresbankstomaintainaminimumcapitaladequacyratioof10%.3.The"DualCircuitSystem"inChina'sfinancialmarketreferstotheseparationofA-sharesandB-shares.4.TheChinaDevelopmentBank(CDB)isprimarilyacommercialbank.5.TheCross-BorderInter-BankPaymentSystem(CIPS)isdesignedtopromoteinternationaltradeinU.S.dollars.6.Fintechcompaniesarenotsubjecttothesameregulatoryoversightastraditionalbanks.7.Financialproductbundlingisastrategyusedtoreduceriskexposure.8.TheShanghaiInternationalFinancialCenter(SIFC)isexclusivelyfordomesticcompanies.9.TheChinaSecuritiesRegulatoryCommission(CSRC)isresponsibleforformulatingmonetarypolicy.10.TherepomarketisakeycomponentofChina'smoneymarket.四、簡答題（每題5分，共20分）（共4題）1.ExplaintheroleoftheShanghaiStockExchange(SSE)inChina'sfinancialmarket.2.WhatarethekeybenefitsoftheCross-BorderInter-BankPaymentSystem(CIPS)forChina'sfinancialsector?3.DescribethemainfunctionsoftheChinaDevelopmentBank(CDB)inChina'seconomy.4.HowdoesfintechimpacttraditionalbankinginChina?Provideexamples.五、論述題（10分）（共1題）DiscussthesignificanceoftheShanghaiInternationalFinancialCenter(SIFC)inChina'seffortstobecomeaglobalfinancialhub.答案與解析一、選擇題答案與解析1.B-解析：Fintech通過提升客戶體驗和便捷性，增強了傳統(tǒng)銀行的服務能力，從而促進競爭。2.B-解析：金融普惠主要指將金融服務擴展到農(nóng)村和欠發(fā)達地區(qū)，以縮小數(shù)字鴻溝。3.B-解析：上海證券交易所是中國規(guī)模最大的股票交易所，市場總市值位居前列。4.C-解析：巴塞爾III協(xié)議要求銀行的資本充足率至少為8%，以增強系統(tǒng)性風險抵御能力。5.B-解析：滬市A股和B股分開交易，以區(qū)分國內(nèi)投資者和外國投資者。6.C-解析：利率互換允許雙方鎖定未來利率，常用于對沖利率風險。7.C-解析：正回購市場是金融機構之間短期拆借資金的市場。8.D-解析：上海自貿(mào)區(qū)是SIFC的重要組成部分，提供政策支持和金融創(chuàng)新環(huán)境。9.B-解析：國家開發(fā)銀行主要提供政策性貸款，支持基建和公共項目。10.C-解析：上證綜指是上海證券交易所的主要指數(shù)，涵蓋所有A股。11.D-解析：CIPS旨在促進人民幣跨境結算，減少對美元的依賴。12.C-解析：監(jiān)管機構關注Fintech可能對傳統(tǒng)金融體系造成的沖擊。13.B-解析：金融產(chǎn)品捆綁是將多種產(chǎn)品組合銷售，提高客戶吸引力。14.B-解析：SIFC為外國投資者提供稅收優(yōu)惠和監(jiān)管便利。15.B-解析：證監(jiān)會負責監(jiān)管股市，保護投資者利益。16.C-解析：貨幣市場基金提供短期流動性，常用于利率對沖。17.B-解析：風險對沖是通過多種工具分散風險，降低損失可能性。18.C-解析：上海證券交易所主要服務于中小企業(yè)，推動經(jīng)濟創(chuàng)新。19.B-解析：A股和B股分軌運行，以區(qū)分不同投資者群體。20.B-解析：中國人民銀行制定和執(zhí)行貨幣政策。二、填空題答案與解析1.上證綜指-解析：上證綜指是上海證券交易所的主要指數(shù)，反映市場整體表現(xiàn)。2.國家開發(fā)銀行-解析：國家開發(fā)銀行是政策性銀行，支持國家重大工程。3.跨境銀行間支付系統(tǒng)（CIPS）-解析：CIPS促進人民幣跨境結算，減少美元依賴。4.利率互換-解析：利率互換允許鎖定未來利率，對沖利率波動風險。5.中國證監(jiān)會（CSRC）-解析：證監(jiān)會監(jiān)管股市，保護投資者利益。6.金融產(chǎn)品捆綁-解析：捆綁策略將多種產(chǎn)品組合，提高客戶購買意愿。7.國際金融中心-解析：SIFC的目標是成為全球金融中心，吸引外資。8.金融綜合化-解析：綜合化是指將多種金融服務整合，提升競爭力。9.貨幣市場-解析：貨幣市場支持短期資金流動，提供高流動性工具。10.融券-解析：融券是借入證券進行拋售，屬于杠桿交易。三、判斷題答案與解析1.正確-解析：上證綜指是中國規(guī)模最大的股市，市值全球領先。2.正確-解析：巴塞爾III要求銀行資本充