西华师范大学《金融英语》2023-2024学年第一学期期末试卷.pdf

西华师范大学金融英语西华师范大学金融英语20232023-20242024 学年第一学期期末试卷学年第一学期期末试卷 试卷说明：试卷说明：1、试卷满分 100 分，120 分钟完成试卷；2、钢笔或圆珠笔直接答在试题中（除题目有特殊规定外）；3、答卷前将密封线内的项目填写清楚。题号 一 二 三 四 五 总分 合分人 复核人 满分 100 得分 一、词汇语法（30 题，每题 1 分，共 30 分）答题要求：选择最佳答案，将答案写在答题卡对应位置。1.The term bull market refers to a market where prices are _.A.falling B.rising C.stable D.volatile 2.In finance,leverage means using borrowed capital to increase potential returns,but it also increases _.A.profits B.risks C.assets D.liabilities 3.The central bank raised interest rates to control _.A.inflation B.deflation C.unemployment D.GDP growth 4.A hedge fund is an investment pool that uses _ strategies to generate high returns.A.conservative B.aggressive C.passive D.index-based 5.When a company issues bonds,it is essentially _ money from investors.A.lending B.borrowing C.investing D.saving 6.The stock exchange is a marketplace where _ are traded.A.commodities B.currencies C.stocks D.real estate 7.Diversification is a risk management technique that involves spreading 班 级 学 号 姓名 本科 密 封 线 investments across _.A.single assets B.multiple assets C.high-risk assets D.low-risk assets 8.A bear market is characterized by _ stock prices over time.A.increasing B.decreasing C.stable D.fluctuating 9.The balance sheet reports a companys financial position at a specific point in time,showing _ and liabilities.A.revenues B.expenses C.assets D.equity 10.IPO stands for Initial Public Offering,which is the first time a company sells its _ to the public.A.bonds B.stocks Ccommodities D.derivatives 11.In forex trading,pip refers to the smallest price move in a currency pair,typically equal to _.A.0.001 B.0.01 C.0.0001 D.0.1 12.Credit rating assesses the creditworthiness of a borrower,indicating the likelihood of _.A.default B.profit C.growth D.investment 13.A mutual fund pools money from many investors to invest in a _ of assets.A.single asset B.portfolio C.risky asset D.government bond 14.Quantitative easing is a monetary policy where a central bank purchases _ to increase money supply.A.stocks B.bonds C.real estate D.commodities 15.The yield curve plots the interest rates of bonds with equal credit quality but different _.A.issuers B.maturities C.currencies D.ratings 16.Arbitrage involves exploiting price differences of the same asset in different markets to make a _.A.loss B.profit C.risk D.investment 17.A derivative is a financial contract whose value is derived from an underlying _.A.commodity B.stock C.asset D.bond 18.Liquidity refers to how easily an asset can be converted into _ without affecting its price.A.stocks B.cash C.bonds D.real estate 19.The Federal Reserve is the central banking system of _.A.the United Kingdom B.the European Union C.Japan D.the United States 20.Dividend is a portion of a companys profits paid to its _.A.employees B.managers C.shareholders D.creditors 21.Inflation is the rate at which the general level of prices for goods and services is _.A.decreasing B.increasing C.stable D.fluctuating 22.A futures contract is an agreement to buy or sell an asset at a predetermined price on a specified future _.A.date B.location C.price D.quantity 23.Equity represents ownership in a company,typically held in the form of _.A.bonds B.stocks C.loans D.deposits 24.The LIBOR rate is a benchmark interest rate at which major global banks lend to one another in the _ market.A.domestic B.international C.local D.regional 25.Risk management involves identifying,assessing,and prioritizing risks to minimize their _.A.profits B.losses C.investments D.assets 26.Asset allocation is the process of distributing investments among different _ to balance risk and return.A.assets B.countries C.industries D.companies 27.Technical analysis uses historical market data,such as price and volume,to forecast future _.A.earnings B.dividends C.trends D.risks 28.Securitization is the process of converting illiquid assets into tradable _.A.stocks B.bonds C.commodities D.derivatives 29.Compliance in finance refers to adhering to laws,regulations,and _.A.ethics B.profits C.risks D.investments 30.Algorithmic trading uses computer programs to execute trades at high speeds based on predefined _.A.emotions B.strategies C.luck D.guesses 二、阅读理解（3 篇短文，每篇 5 小题，每小题 2 分，共 30 分）答题要求：阅读下列短文，从每题所给的四个选项中选出最佳答案，将答案写在答题卡对应位置。*短文 1*The global financial crisis of 2008 was triggered by the collapse of the housing market in the United States.Banks had issued subprime mortgages to borrowers with poor credit,and these mortgages were bundled into complex financial products called mortgage-backed securities.When housing prices fell,many borrowers defaulted,leading to massive losses for financial institutions.The crisis spread globally,causing a recession and leading to increased regulation of the financial industry.1.What caused the 2008 financial crisis?A.A rise in housing prices B.The collapse of the housing market C.An increase in interest rates D.A decrease in oil prices 2.What are mortgage-backed securities?A.Loans issued directly to borrowers B.Bundles of mortgages sold as investments C.Government bonds D.Stocks of real estate companies 3.Why did many borrowers default on their loans?A.Housing prices increased B.Housing prices fell C.Interest rates were low D.Unemployment decreased 4.What was a consequence of the crisis?A.Economic growth B.A global recession C.Higher profits for banks D.Reduced regulation 5.How did the crisis affect the financial industry?A.It led to deregulation B.It caused increased regulation C.It eliminated all financial products D.It reduced global trade*短文 2*Cryptocurrency,such as Bitcoin,has gained popularity as a digital or virtual currency that uses cryptography for security.Unlike traditional currencies,cryptocurrencies operate on decentralized networks called blockchains,which record all transactions across a network of computers.Bitcoin was the first cryptocurrency,created in 2009,and it remains the most well-known.However,cryptocurrencies are volatile and face regulatory challenges in many countries.6.What is cryptocurrency?A.A physical currency issued by governments B.A digital currency using cryptography C.A type of stock D.A government bond 7.What is a blockchain?A.A centralized database B.A decentralized network recording transactions C.A financial exchange D.A type of bank 8.When was Bitcoin created?A.2000 B.2005 C.2009 D.2015 9.What is a challenge for cryptocurrencies?A.High stability B.Volatility C.Widespread acceptance D.Low regulation 10.How do cryptocurrencies differ from traditional currencies?A.They are issued by central banks B.They operate on decentralized networks C.They are not digital D.They have no security features*短文 3*Sustainable investing,also known as ESG investing,focuses on environmental,social,and governance factors.Investors consider a companys impact on the planet and society,as well as its management practices.This approach aims to generate long-term returns while promoting positive change.For example,a company with strong ESG practices may have better risk management and attract more investors.11.What does ESG stand for?A.Economic,Social,Government B.Environmental,Social,Governance C.Enterprise,Security,Growth D.Equity,Stock,Government 12.What is the goal of sustainable investing?A.Short-term profits only B.Long-term returns with positive impact C.Ignoring social factors D.Focusing only on governance 13.How might strong ESG practices benefit a company?A.Increase short-term risks B.Improve risk management C.Reduce investor interest D.Lower profits 14.What does sustainable investing promote?A.Negative environmental impact B.Social inequality C.Positive change D.High volatility 15.Who might be attracted to companies with good ESG practices?A.Only short-term traders B.Only government entities C.More investors D.Only competitors 三、完形填空（1 篇短文，10 小题，每小题 1 分，共 10 分）答题要求：阅读下列短文，从每题所给的四个选项中选出最佳单词填空，将答案写在答题卡对应位置。*短文*Global trade plays a crucial role in the world economy,enabling countries to exchange goods and services.For instance,China exports manufactured products to various nations,while importing oil and raw materials.This interdependence fosters economic growth but also creates challenges such as trade imbalances and currency fluctuations.To address these issues,international organizations like the WTO promote fair trade rules.16.Global trade allows countries to _ goods and services.A.produce B.exchange C.hoard D.destroy 17.China exports _ products to other countries.A.agricultural B.manufactured C.digital D.financial 18.China imports _ and raw materials.A.technology B.oil C.software D.clothing 19.This interdependence _ economic growth.A.hinders B.fosters C.reduces D.ignores 20.Challenges include trade _ and currency fluctuations.A.surpluses B.imbalances C.agreements D.treaties 21.International organizations like the WTO promote _ trade rules.A.unfair B.restrictive C.fair D.outdated 22.The WTO aims to resolve trade _ between nations.A.conflicts B.partnerships C.mergers D.investments 23.Fair trade rules help reduce _ barriers.A.cultural B.linguistic C.trade D.political 24.Global trade can lead to _ in developing economies.A.stagnation B.growth C.decline D.isolation 25.Effective trade policies require _ cooperation.A.national B.international C.local D.regional 四、翻译（2 题，每题 5 分，共 10 分）答题要求：将下列句子翻译成中文或英文，写出完整答案，将答案写在答题卡对应位置。26.英译汉：The central bank implemented quantitative easing to stimulate economic growth during the recession.27.汉译英：风险管理是金融投资中不可或缺的一部分，旨在减少潜在损失。五、写作（1 题，共 20 分）答题要求：根据以下要求写一篇短文，字数不少于 150 词，将答案写在答题卡对应位置。28.题目：Write a short essay on the importance of financial literacy in personal investment decisions.Your essay should include an introduction,body paragraphs with examples,and a conclusion.