江蘇2025自考[金融學(xué)]英語（二）客觀題專練一、單項(xiàng)選擇（共20題，每題1分）說明：從每題四個(gè)選項(xiàng)中選出一個(gè)最佳答案。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.limitedD.supported2.InthecontextofChina'sfinancialmarket,the______playsacrucialroleinregulatingstocktrading.A.People'sBankofChinaB.ChinaSecuritiesRegulatoryCommissionC.ChinaInsuranceRegulatoryCommissionD.StateDevelopmentBank3.A______isafinancialinstrumentthatrepresentsownershipinacorporationandentitlestheholdertodividendsandvotingrights.A.bondB.mutualfundshareC.stockD.derivative4.The______isakeyindicatorofacountry'seconomichealth,reflectingconsumerspendingandbusinessinvestment.A.GrossDomesticProduct(GDP)B.InterestRateC.InflationRateD.UnemploymentRate5.InJiangsuProvince,the______istheprimaryregulatorybodyforinsurancecompanies.A.NationalDevelopmentandReformCommissionB.ChinaBankingRegulatoryCommissionC.ChinaInsuranceRegulatoryCommissionD.JiangsuProvincialFinancialWorkCommission6.The______isamechanismthatallowsinvestorstopooltheirmoneytoinvestinadiversifiedportfolioofassets.A.HedgeFundB.MutualFundC.PrivateEquityD.VentureCapital7.TheBaselAccordsaimtostandardizeandimprovetheregulation,supervision,andmanagementofbanksglobally.Whichaccordintroducedstrictercapitalrequirements?A.BaselIB.BaselIIC.BaselIIID.BaselIV8.Intheeventofafinancialcrisis,thecentralbankmayimplement______tostabilizethebankingsystem.A.QuantitativeEasing(QE)B.QuantitativeTightening(QT)C.ZeroInterestRatePolicy(ZIRP)D.CapitalControls9.The______isafinancialderivativewhosevalueisderivedfromanunderlyingasset,suchasstocks,bonds,orcommodities.A.ForwardContractB.FuturesContractC.OptionsContractD.SwapsContract10.The______isafinancialtheorythatsuggeststhatassetsarefairlypricedwhensupplyanddemandinthemarketreachequilibrium.A.EfficientMarketHypothesis(EMH)B.ModernPortfolioTheory(MPT)C.CapitalAssetPricingModel(CAPM)D.BehavioralFinance11.InJiangsu'seconomy,the______sectorhasbeenasignificantcontributortoGDPgrowthinrecentyears.A.ManufacturingB.AgricultureC.ServicesD.RealEstate12.The______isafinancialratiothatmeasuresacompany'sabilitytopayitsshort-termobligationswithitscurrentassets.A.Debt-to-EquityRatioB.CurrentRatioC.ReturnonEquity(ROE)D.Price-to-EarningsRatio13.The______isaglobalfinancialorganizationthatprovidesloans,technicalassistance,andpolicyadvicetomembercountries.A.WorldBankB.InternationalMonetaryFund(IMF)C.WorldTradeOrganization(WTO)D.AsianDevelopmentBank14.InChina,the______istheregulatoryauthorityforthesecuritiesindustry.A.ChinaBankingRegulatoryCommissionB.ChinaSecuritiesRegulatoryCommissionC.NationalDevelopmentandReformCommissionD.StateAdministrationofTaxation15.The______isafinancialstrategywhereaninvestorbuysastock,sellsacalloptiononthesamestock,andhopestoprofitfromadeclineinthestockprice.A.BullCallSpreadB.BearPutSpreadC.IronCondorD.Straddle16.The______isafinancialtoolusedbygovernmentstoborrowmoneyfromthepublicbyissuingdebtsecurities.A.TreasuryBillB.MunicipalBondC.CorporateBondD.GovernmentBond17.The______isafinancialtheorythatsuggeststhathigherreturnsareassociatedwithhigherrisk.A.EfficientMarketHypothesis(EMH)B.ModernPortfolioTheory(MPT)C.CapitalAssetPricingModel(CAPM)D.BehavioralFinance18.InJiangsuProvince,the______isamajorsourceofrevenueforthegovernment.A.PersonalIncomeTaxB.CorporateIncomeTaxC.Value-AddedTax(VAT)D.PropertyTax19.The______isafinancialinstrumentthatprovidestheholderwiththeright,butnottheobligation,tobuyorsellanassetatapredeterminedpricebeforeaspecifieddate.A.ForwardContractB.FuturesContractC.OptionsContractD.SwapsContract20.The______isafinancialratiothatmeasuresacompany'sprofitabilitybycomparingitsnetincometoitstotalassets.A.ReturnonAssets(ROA)B.ReturnonEquity(ROE)C.Debt-to-EquityRatioD.CurrentRatio二、判斷題（共10題，每題1分）說明：判斷下列說法的正誤。1.ThePeople'sBankofChinaisthecentralbankofChinaandisresponsibleformonetarypolicy.(√)2.Amutualfundisatypeofinvestmentthatpoolsmoneyfrommanyinvestorstobuyadiversifiedportfolioofstocks,bonds,orotherassets.(√)3.TheBaselIIIAccordsintroducedstrictercapitalrequirementscomparedtoBaselI.(√)4.Inflationisalwaysharmfultoaneconomybecauseiterodesthepurchasingpowerofmoney.(×)5.Thestockmarketisaprimarymarketwherecompaniesissuenewsharestothepublicforthefirsttime.(×)6.TheInternationalMonetaryFund(IMF)providesloanstocountriesfacingfinancialcrisesandimposesconditionsonhowthemoneyisused.(√)7.Thecurrentratioisameasureofacompany'sliquidity,calculatedbydividingcurrentliabilitiesbycurrentassets.(×)8.Thegovernmentbondisadebtsecurityissuedbyalocalgovernmenttofundpublicprojects.(×)9.Behavioralfinancesuggeststhatinvestorsarerationalandalwaysmakeoptimaldecisions.(×)10.TheFederalReserveisthecentralbankoftheUnitedStatesandhastheauthoritytoregulatebanksandsetmonetarypolicy.(√)三、填空題（共10題，每題1分）說明：請根據(jù)句子意思填寫合適的單詞。1.The______isafinancialinstitutionthatprovidesloansandotherfinancialservicestobusinessesandindividuals.(Answer:Commercialbank)2.The______isamarketwhereinvestorsbuyandsellfinancialinstrumentssuchasstocks,bonds,andderivatives.(Answer:Stockexchange)3.The______isafinancialratiothatmeasuresacompany'sabilitytopayitslong-termdebts.(Answer:Debt-to-equityratio)4.The______isaglobalfinancialorganizationthatprovidesloanstodevelopingcountriesforinfrastructureprojects.(Answer:WorldBank)5.The______isafinancialinstrumentthatrepresentsownershipinacompanyandentitlestheholdertodividendsandvotingrights.(Answer:Stock)6.The______isafinancialtheorythatsuggeststhatfinancialmarketsareefficientandthatassetpricesreflectallavailableinformation.(Answer:Efficientmarkethypothesis)7.The______isamechanismthatallowsinvestorstopooltheirmoneytoinvestinadiversifiedportfolioofassets.(Answer:Mutualfund)8.The______isafinancialratiothatmeasuresacompany'sprofitabilitybycomparingitsnetincometoitstotalequity.(Answer:Returnonequity)9.The______isafinancialinstrumentthatprovidestheholderwiththeright,butnottheobligation,tobuyorsellanassetatapredeterminedprice.(Answer:Option)10.The______isafinancialstrategywhereaninvestorborrowsmoneytobuymoresecurities,aimingtoamplifyreturns.(Answer:Leverage)四、選擇題（共10題，每題2分）說明：從每題四個(gè)選項(xiàng)中選出一個(gè)最佳答案。1.WhichofthefollowingisaprimaryfunctionofthePeople'sBankofChina?A.RegulatingthestockmarketB.ConductingmonetarypolicyC.IssuingcurrencyD.Overseeinginsurancecompanies(Answer:B)2.InthecontextofJiangsu'seconomy,whichsectorhasbeengrowingthefastestinrecentyears?A.AgricultureB.ManufacturingC.ServicesD.RealEstate(Answer:C)3.Whichofthefollowingfinancialinstrumentsrepresentsownershipinacompany?A.BondB.MutualfundshareC.StockD.Derivative(Answer:C)4.TheBaselIIIAccordsaimtoimprovewhichaspectofbankingregulation?A.CapitalrequirementsB.InterestratesettingC.ConsumerprotectionD.Tradepolicies(Answer:A)5.Whichofthefollowingisakeyindicatorofacountry'seconomichealth?A.GrossDomesticProduct(GDP)B.InterestRateC.InflationRateD.UnemploymentRate(Answer:A)6.Whichfinancialtheorysuggeststhathigherreturnsareassociatedwithhigherrisk?A.EfficientMarketHypothesis(EMH)B.ModernPortfolioTheory(MPT)C.CapitalAssetPricingModel(CAPM)D.BehavioralFinance(Answer:C)7.Whichofthefollowingisafinancialratiothatmeasuresacompany'sabilitytopayitsshort-termobligations?A.Debt-to-equityratioB.CurrentratioC.ReturnonequityD.Price-to-earningsratio(Answer:B)8.Whichfinancialorganizationprovidesloanstocountriesfacingfinancialcrises?A.WorldBankB.InternationalMonetaryFund(IMF)C.WorldTradeOrganization(WTO)D.AsianDevelopmentBank(Answer:B)9.Whichfinancialstrategyinvolvesbuyingastockandsellingacalloptiononthesamestocktoprofitfromadeclineinthestockprice?A.BullcallspreadB.BearputspreadC.IroncondorD.Straddle(Answer:B)10.WhichofthefollowingisaprimarysourceofrevenuefortheJiangsugovernment?A.PersonalincometaxB.CorporateincometaxC.Value-addedtax(VAT)D.Propertytax(Answer:C)答案與解析一、單項(xiàng)選擇答案與解析1.B.encouraged解析：Fintech的發(fā)展鼓勵(lì)了傳統(tǒng)銀行業(yè)進(jìn)行創(chuàng)新和適應(yīng)。2.B.ChinaSecuritiesRegulatoryCommission解析：中國證監(jiān)會(huì)是中國證券市場的監(jiān)管機(jī)構(gòu)，負(fù)責(zé)監(jiān)管股票交易。3.C.stock解析：股票代表對公司的所有權(quán)，持有人有權(quán)獲得股息和投票權(quán)。4.A.GrossDomesticProduct(GDP)解析：GDP是衡量一個(gè)國家經(jīng)濟(jì)健康狀況的關(guān)鍵指標(biāo)，反映消費(fèi)和投資。5.C.ChinaInsuranceRegulatoryCommission解析：中國保險(xiǎn)監(jiān)督管理委員會(huì)是江蘇省保險(xiǎn)公司的監(jiān)管機(jī)構(gòu)。6.B.MutualFund解析：共同基金允許投資者將資金集中投資于多元化的資產(chǎn)組合。7.C.BaselIII解析：巴塞爾III協(xié)議引入了更嚴(yán)格的資本要求。8.A.QuantitativeEasing(QE)解析：量化寬松是央行在金融危機(jī)時(shí)采取的措施以穩(wěn)定銀行系統(tǒng)。9.C.OptionsContract解析：期權(quán)合約是一種衍生品，其價(jià)值來自標(biāo)的資產(chǎn)（如股票、債券或商品）。10.A.EfficientMarketHypothesis(EMH)解析：有效市場假說認(rèn)為資產(chǎn)價(jià)格反映了所有可用信息，市場定價(jià)合理。11.C.Services解析：服務(wù)業(yè)是江蘇省近年來GDP增長的主要貢獻(xiàn)者。12.B.CurrentRatio解析：流動(dòng)比率衡量公司償還短期債務(wù)的能力，計(jì)算方法是流動(dòng)資產(chǎn)除以流動(dòng)負(fù)債。13.A.WorldBank解析：世界銀行向成員國提供貸款、技術(shù)援助和政策建議。14.B.ChinaSecuritiesRegulatoryCommission解析：中國證監(jiān)會(huì)是中國證券行業(yè)的監(jiān)管機(jī)構(gòu)。15.B.BearPutSpread解析：熊市看跌期權(quán)價(jià)差策略是投資者購買股票并賣出看漲期權(quán)，希望股價(jià)下跌獲利。16.D.GovernmentBond解析：政府債券是政府發(fā)行的債務(wù)證券，用于籌集公共項(xiàng)目資金。17.C.CapitalAssetPricingModel(CAPM)解析：資本資產(chǎn)定價(jià)模型認(rèn)為高風(fēng)險(xiǎn)對應(yīng)高回報(bào)。18.C.Value-AddedTax(VAT)解析：增值稅是江蘇省政府的主要收入來源之一。19.C.OptionsContract解析：期權(quán)合約賦予持有人在特定日期前以預(yù)定價(jià)格買入或賣出資產(chǎn)的權(quán)力，而非義務(wù)。20.A.ReturnonAssets(ROA)解析：資產(chǎn)回報(bào)率衡量公司利用資產(chǎn)產(chǎn)生利潤的能力。二、判斷題答案與解析1.√解析：中國人民銀行是中國中央銀行，負(fù)責(zé)制定和執(zhí)行貨幣政策。2.√解析：共同基金匯集眾多投資者的資金，投資于多元化的股票、債券或其他資產(chǎn)組合。3.√解析：巴塞爾III協(xié)議比巴塞爾I協(xié)議引入了更嚴(yán)格的資本要求。4.×解析：適度的通貨膨脹對經(jīng)濟(jì)有促進(jìn)作用，但高通脹會(huì)損害購買力。5.×解析：股票市場是