新疆2025自考[金融學]英語（二）易錯題專練一、選擇題（共10題，每題2分）1.TherapiddevelopmentofChina'sfinancialtechnologyhassignificantlytransformedthetraditionalbankingindustry.Whatisthebestwordtofillintheblank?A.acceleratedB.enhancedC.transformedD.revolutionized2.Inthecontextof新疆'sfinancialmarket,whichofthefollowingstatementsbestdescribestheroleofIslamicbanking?A.Itprimarilyfocusesoninterest-basedtransactions.B.ItadherestoSharialawinallfinancialoperations.C.Itisonlyavailabletoforeigninvestors.D.Itoperatesonlyinurbanareas.3.Theterm"capitaladequacyratio"infinancerefersto:A.Theratioofabank'stotalassetstoitsliabilities.B.Theminimumamountofcapitalabankmustholdrelativetoitsrisk-weightedassets.C.Theratioofacompany'sequitytoitsdebt.D.Theratioofabank'sprofitstoitsexpenses.4.Whichofthefollowingisamajorchallengein新疆'sruralfinancialinclusion?A.Highliteracyratesamongruralresidents.B.Limitedaccesstobankinginfrastructure.C.Excessivecompetitionfromforeignbanks.D.Highsavingsratesinruralareas.5.The"BaselAccords"areprimarilyconcernedwith:A.Settinginterestratesforcentralbanks.B.Regulatinginternationalbankingstandards.C.Promotingfinancialinnovation.D.Encouraginggovernmentborrowing.6.InthecontextofChina'sfinancialsystem,whatdoes"SEF"standfor?A.State-ownedEnterprisesFundB.ShanghaiExchangeFundC.SecuritiesandExchangeCommissionD.ShanghaiFinancialHoldings7.Theconceptof"hedging"infinanceisbestdescribedas:A.Borrowingmoneytoinvestinhigh-riskassets.B.Reducingfinancialriskbyusingderivatives.C.Increasingexposuretovolatilemarkets.D.Ignoringmarketfluctuations.8.WhichofthefollowingisakeyfeatureofChina'sdigitalyuan(e-CNY)?A.Itisonlyusablein新疆.B.Itoperatesonblockchaintechnology.C.ItispeggedtotheUSdollar.D.Itrequiresabankaccounttouse.9.The"LiquidityCoverageRatio"(LCR)isdesignedtoensurethatbankshaveenough:A.Loanstogenerateprofits.B.Liquidassetstomeetshort-termobligations.C.Fixedassetstosecureloans.D.Foreignexchangereserves.10.In新疆'sagriculturalsector,whatistheprimaryroleofmicrofinanceinstitutions?A.Providinglarge-scaleloanstocorporations.B.Offeringsmallloanstosmallholders.C.Investingininfrastructureprojects.D.Managingstate-ownedenterprises.二、填空題（共5題，每題2分）1.ThePeople'sBankofChina(PBOC)isthecentralbankof_______andisresponsibleformonetarypolicy.2.In新疆,thegrowthofthefintechindustryhasledtoincreased_______infinancialservices.3.The"VolckerRule"restrictsbanksfromengagingincertaintypesof_______trading.4.A"derivative"isafinancialinstrumentwhosevalueisderivedfromanunderlying_______.5.The"BigFour"banksinChinarefertoIndustrialandCommercialBankofChina,ChinaConstructionBank,AgriculturalBankofChina,and_______.三、判斷題（共5題，每題2分）1.IslamicbankingiscompletelyprohibitedinChina.(True/False)2.Thecapitaladequacyratio(CAR)shouldbeashighaspossibletoensurebankstability.(True/False)3.Microfinanceinstitutionsprimarilyservelargecorporationsin新疆.(True/False)4.Thedigitalyuan(e-CNY)isfullyanonymousanduntraceable.(True/False)5.TheBaselAccordsaresolelyaChineseregulation.(True/False)四、簡答題（共3題，每題5分）1.Explainthedifferencebetween"finance"and"economics."2.Whatarethemainchallengesoffinancialinclusionin新疆'sruralareas?3.DescribetheroleofthePeople'sBankofChina(PBOC)inChina'sfinancialsystem.五、論述題（1題，10分）Discusstheimpactoffintechonthebankingindustryin新疆,includingbothpositiveandnegativeeffects.答案與解析一、選擇題答案與解析1.C.transformed-"Transformed"meanstochangefundamentally,whichfitsthecontextoffintech'simpactonbanking.2.B.ItadherestoSharialawinallfinancialoperations.-IslamicbankingfollowsSharialaw,whichprohibitsinterest(Riba).3.B.Theminimumamountofcapitalabankmustholdrelativetoitsrisk-weightedassets.-CARmeasuresabank'ssolvencyandisdefinedascapitaldividedbyrisk-weightedassets.4.B.Limitedaccesstobankinginfrastructure.-Ruralareasin新疆oftenlacksufficientbankingfacilities,hinderingfinancialinclusion.5.B.Regulatinginternationalbankingstandards.-TheBaselAccordssetglobalstandardsforbankcapitalandriskmanagement.6.A.State-ownedEnterprisesFund-SEFreferstofundssupportingstate-ownedenterprisesinChina.7.B.Reducingfinancialriskbyusingderivatives.-Hedginginvolvesusingfinancialinstrumentstomitigaterisk.8.B.Itoperatesonblockchaintechnology.-Thedigitalyuanisacentralbankdigitalcurrency(CBDC)usingadvancedtech.9.B.Liquidassetstomeetshort-termobligations.-LCRensuresbankshaveenoughliquidassetstocoverimmediatewithdrawals.10.B.Offeringsmallloanstosmallholders.-Microfinanceinstitutionsprovidesmallloanstounderservedpopulationsin新疆.二、填空題答案與解析1.China-ThePBOCisChina'scentralbank.2.accessibility-Fintechhasmadefinancialservicesmoreaccessiblein新疆.3.speculative-TheVolckerRulelimitsspeculativetradingbybanks.4.asset-Derivativesderivetheirvaluefromstocks,bonds,commodities,etc.5.ChinaMerchantsBank-The"BigFour"banksincludeChinaMerchantsBank.三、判斷題答案與解析1.False-IslamicbankingislegalinChinaunderSharia-compliantrules.2.True-AhigherCARindicatesbetterbankstability.3.False-Microfinanceservessmallholders,notcorporations.4.False-Thedigitalyuanistraceablebyauthorities.5.False-TheBaselAccordsareinternationalregulations.四、簡答題答案與解析1.Differencebetween"finance"and"economics":-Financedealswiththemanagementofmoney(investing,borrowing,spending).E