銀行校園英語試題及答案

銀行校園英語試題及答案姓名：____________________

一、多項選擇題（每題2分，共20題）

1.Whichofthefollowingisafinancialinstitution?

A.Supermarket

B.University

C.Bank

D.Postoffice

2.Whatisthemainpurposeofasavingsaccount?

A.Toearninterest

B.Tostoremoney

C.Towithdrawmoney

D.Alloftheabove

3.Whichofthefollowingisanexampleofacreditcard?

A.Debitcard

B.Creditcard

C.Cashcard

D.EBTcard

4.Whatistheprocesscalledwhenabankholdsmoneyforacustomer?

A.Depositing

B.Lending

C.Saving

D.Holding

5.Whatdoestheterm'currencyexchange'referto?

A.Theexchangeofmoneybetweendifferentcountries

B.Theexchangeofstocks

C.Theexchangeofgoods

D.Theexchangeofservices

6.Howistheinterestratedeterminedonaloan?

A.Bythebank

B.Bythegovernment

C.Bytheborrower

D.Bythemarket

7.Whichofthefollowingisanadvantageofafixeddeposit?

A.Highinterestrate

B.Easyaccesstofunds

C.Security

D.Taxbenefits

8.Whatisthetermfortheamountofmoneyyouborrowfromabank?

A.Loan

B.Deposit

C.Savings

D.Investment

9.Whatistheprocesscalledwhenabankcollectsmoneyfromacustomer'saccount?

A.Debit

B.Credit

C.Withdrawal

D.Deposit

10.Whichofthefollowingisaserviceprovidedbybanks?

A.Investmentadvice

B.Insurance

C.Mobilebanking

D.Alloftheabove

11.Whatisthetermforthetotalamountofmoneythatabankholds?

A.Reserve

B.Deposit

C.Capital

D.Profit

12.Whatisthetermfortheprocessoflendingmoneytoacustomer?

A.Depositing

B.Lending

C.Borrowing

D.Investing

13.Whichofthefollowingisanexampleofatimedeposit?

A.Savingsaccount

B.Fixeddeposit

C.Currentaccount

D.Checkingaccount

14.Whatisthetermforthefeechargedbyabankforusingitsservices?

A.Interest

B.Servicecharge

C.Interestrate

D.Deposit

15.Whichofthefollowingisanadvantageofonlinebanking?

A.Convenience

B.Security

C.Accessibility

D.Alloftheabove

16.Whatisthetermfortheamountofmoneythatabankrequirestomaintainareserve?

A.Capitalreserve

B.Depositreserve

C.Reserveratio

D.Capitalratio

17.Whichofthefollowingisanexampleofacheckingaccount?

A.Savingsaccount

B.Currentaccount

C.Fixeddeposit

D.Timedeposit

18.Whatisthetermforthemoneythatabankusestomakeloansandinvestments?

A.Capital

B.Reserve

C.Deposit

D.Profit

19.Whichofthefollowingisanexampleofabankservicethatallowscustomerstopaybillsonline?

A.Mobilebanking

B.Onlinebanking

C.E-commerce

D.ATM

20.Whatisthetermfortheamountofmoneythatabanklendsout?

A.Reserve

B.Loan

C.Deposit

D.Capital

二、判斷題（每題2分，共10題）

1.Banksonlyacceptdepositsfromindividuals.()

2.Asavingsaccountisatypeofaccountthatallowsyoutowithdrawmoneyatanytime.()

3.Theinterestrateonafixeddepositisusuallyhigherthanthatonasavingsaccount.()

4.Allcreditcardshavethesameinterestratesandfees.()

5.Banksarerequiredtokeepacertainpercentageoftheirdepositsasreserves.()

6.Itispossibletowithdrawmoneyfromafixeddepositbeforethematuritydate,butitmayincurpenalties.()

7.Acheckingaccountisalsoknownasacurrentaccount.()

8.TheFederalReserveisresponsibleforsettinginterestratesintheUnitedStates.()

9.Onlinebankingismoresecurethantraditionalbankingmethods.()

10.Bankscanlendoutmoremoneythantheyhaveindeposits.()

三、簡答題（每題5分，共4題）

1.Explainthedifferencebetweenasavingsaccountandacheckingaccount.

2.Whatisacreditscoreandwhyisitimportant?

3.Describetheprocessofapplyingforastudentloan.

4.Whatarethebenefitsofusingonlinebankingservices?

四、論述題（每題10分，共2題）

1.Discusstheroleofbanksintheeconomyandhowtheycontributetofinancialstability.

2.Analyzetheimpactofdigitalbankingontraditionalbankingservicesandthepotentialchallengesandopportunitiesitpresentstobothconsumersandfinancialinstitutions.

試卷答案如下：

一、多項選擇題（每題2分，共20題）

1.C

2.D

3.B

4.D

5.A

6.D

7.C

8.A

9.A

10.D

11.A

12.B

13.B

14.B

15.D

16.C

17.B

18.A

19.B

20.B

二、判斷題（每題2分，共10題）

1.×

2.×

3.√

4.×

5.√

6.√

7.√

8.√

9.√

10.×

三、簡答題（每題5分，共4題）

1.Asavingsaccountistypicallyusedforlong-termsavingsandearninginterest,withlimitedornoaccesstofundsbeforethematuritydate.Acheckingaccount,ontheotherhand,isdesignedforday-to-daytransactionsandofferseasyaccesstofundsforwithdrawalsandpayments.

2.Acreditscoreisanumericalrepresentationofanindividual'screditworthiness,basedontheircredithistory.Itisimportantbecauseithelpslendersassesstheriskoflendingmoneyanddeterminesthetermsofcredit,suchasinterestratesandcreditlimits.

3.Theprocessofapplyingforastudentloantypicallyinvolvesselectingalender,completinganapplicationformwithpersonalandfinancialinformation,providingnecessarydocumentation,andwaitingforapproval.Onceapproved,thefundsaredisbursedtotheeducationalinstitutionordirectlytotheborrower.

4.Benefitsofonlinebankingservicesincludeconvenience,24/7accesstoaccounts,reducedneedforphysicalvisitstothebank,theabilitytoperformtransactionsfromanywhere,andoftenlowerfeescomparedtotraditionalbankingservices.

四、論述題（每題10分，共2題）

1.Banksplayacrucialroleintheeconomybyactingasintermediariesbetweensaversandborrowers.Theycollectdepositsfromindividualsandbusinessesandusethesefundstoprovideloansandcredittoindividuals,businesses,andgovernments.Thishelpsintheallocationofcapital,supportseconomicgrowth,andpromotesfinancialstability.Banksalsofacilitatethep