中小學(xué)生年級(jí)財(cái)經(jīng)素養(yǎng)知識(shí)測(cè)評(píng)附有答案

中小學(xué)生（5-8年級(jí)）財(cái)經(jīng)素養(yǎng)知識(shí)測(cè)評(píng)2023-2024[復(fù)制]本系列財(cái)經(jīng)素養(yǎng)測(cè)試題緊扣《中國(guó)財(cái)經(jīng)素養(yǎng)教育標(biāo)準(zhǔn)框架》所倡導(dǎo)的維度，包括收入與消費(fèi)、儲(chǔ)蓄與投資、風(fēng)險(xiǎn)與保險(xiǎn)及制度與環(huán)境等關(guān)鍵領(lǐng)域。題目的構(gòu)建綜合考量了框架的全面性要求，通過(guò)故事化情境將抽象財(cái)經(jīng)概念轉(zhuǎn)化為具體可操作的問(wèn)題，引導(dǎo)學(xué)生積極探索和解決實(shí)際問(wèn)題。旨在考察學(xué)生在《框架》各維度上的理解和應(yīng)用。ThiscollectionoffinancialliteracyassessmentquestionsadherescloselytotheChina’sFinancialLiteracyEducationStandardFramework,encompassingvitaldomainslikeincomeandexpenditure,savingsandinvestments,riskandinsurance,alongwithinstitutionalandenvironmentalfactors.Thedesignofthesequestionsismindfuloftheframework'scomprehensivenature,andeffectivelyconvertsabstractfinancialconceptsintotangible,actionablechallengesthroughnarrativescenarios.Thisassessmentaimstoevaluatestudents'comprehensionandpracticalapplicationacrossitsvariousdimensions.參與者信息：ParticipantInformation：1.你的姓名YourName[填空題]*_________________________________2.你所在城市Yourcityofresidence[填空題]*_________________________________3.您所在學(xué)校名稱Yourschoolname(Wholename)[填空題]*_________________________________4.你所在年級(jí)Yourgradelevel[單選題]*○A.5年級(jí)5thGrade○B(yǎng).6年級(jí)6thGrade○C.7年級(jí)7thGrade○D.8年級(jí)8thGrade○E.9年級(jí)9thGrade5.你的課程體系Yourcurriculum[單選題]*○A.公立學(xué)校課程○B(yǎng).融合課程○C.IGCSE○D.IBPYP/IBMYP○E.其他課程6.請(qǐng)勾選你已經(jīng)學(xué)習(xí)過(guò)的課程（至少學(xué)習(xí)1個(gè)月以上，選修或必修課程都算）Pleasecheckthecoursesyouhavestudied(foratleast1month,whetherelectiveormandatory):[單選題]*○A.經(jīng)濟(jì)學(xué)Economics○B(yǎng).商業(yè)類Business○C.金融類Finance/Accounting○D.其他財(cái)商經(jīng)課程OtherFinancialLiteracyrelated○E.從來(lái)沒(méi)有None共計(jì)20道題目，請(qǐng)作答者在40分鐘之內(nèi)完成作答Therearetotalof20questions.

Respondentsarerequestedtocompletetheanswerswithin40minutes.故事背景：StoryBackground：晨曦微露，天邊初現(xiàn)金色的光芒，即將小學(xué)畢業(yè)的星星終于抵達(dá)了位于云南的咖啡種植園。這是星星的爺爺經(jīng)營(yíng)的咖啡種植園。星星即將開(kāi)啟一個(gè)不尋常的暑期旅行和實(shí)踐，一次充滿智慧和啟迪的冒險(xiǎn)之旅。在這里，星星即將親歷咖啡生產(chǎn)的全部過(guò)程，從種植和收獲到加工，再到作為商品在商店的銷售。一路上，星星將深入探索咖啡中的經(jīng)濟(jì)學(xué)、金融學(xué)及商業(yè)的奧秘。ThesunwasjustpeekingoverthehorizonasEstrella,whoisabouttograduatefromprimaryschool,arrivedathergrandpa’scoffeeplantationinYunnan.Thiswasnotatypicalsummervacationforher.Itwasinsteadanadventurefilledwithlessons.Estrellawilllearntheentireprocessofcoffeeproductionfromplantingandharvestingtoprocessingandsellingitasacommodityinthestores,allwhilegaininginsightsintoeconomics,finance,andbusiness.星星剛抵達(dá)就看到了在園子里采摘咖啡豆工人們忙碌的身影。爺爺告訴她說(shuō)，采摘咖啡豆是一件很辛苦的體力活，工人們的工資是按工作時(shí)長(zhǎng)結(jié)算的。Estrellajustarrivedtoseethebusyworkerspickingcoffeecherriesinthegarden.Grandpatoldherthatpickingcoffeecherriesisaveryhardphysicalwork,andtheworkersarepaidaccordingtotheirworkinghours.1.假設(shè)一個(gè)工人每小時(shí)的工資為50元，一天工作8小時(shí)，一個(gè)月工作20天。請(qǐng)問(wèn)這位工人一個(gè)月的工資是多少?Supposeaworkerearns50yuanperhour,works8hoursaday,andworks20daysamonth.Howmuchisthisworker'smonthlysalary?[單選題]*A.1000元B.1600元C.4000元D.8000元(正確答案)2.星星也幫著工人們開(kāi)始采摘咖啡豆，爺爺給了她500元作為報(bào)酬。星星拿到報(bào)酬后，她應(yīng)該怎樣規(guī)劃自己的消費(fèi)?Estrellaalsohelpstheworkerspickcoffeebeans,andhergrandfatherpaysher500yuan.Afterreceivingthemoney,howshouldEstrellaplanherspending?[單選題]*A.拿到工資后立即花掉所有的錢Spendallthemoneyimmediatelyafterreceivingit.B.制定一個(gè)購(gòu)物清單并比較價(jià)格Makeashoppinglistandcompareprices.(正確答案)C.買一些奢侈品作為獎(jiǎng)勵(lì)Buysomeluxuryitemsasareward.D.只購(gòu)買必需品Buyonlynecessities.3.星星覺(jué)得，在消費(fèi)之余，她應(yīng)該將一部分賺的錢存起來(lái)，她該如何選擇儲(chǔ)蓄方式?Estrellafeelsthat,asidefromspending,sheshouldsaveapartofthemoneysheearns.Howshouldshechoosehersavingmethod[單選題]*A.選擇利率最高的銀行Choosethebankwiththehighestinterestrate.(正確答案)B.選擇一個(gè)熟悉的本地銀行Chooseafamiliarlocalbank.C.投資股票市場(chǎng)以獲得更高回報(bào)Investinthestockmarketforhigherreturns.D.把所有錢藏在家里Hideallthemoneyathome.4.如果星星決定將錢存在銀行里，并希望在她想用錢的時(shí)候可以隨時(shí)將錢取出。她應(yīng)該存入哪種類型的儲(chǔ)蓄賬戶?IfEstrelladecidestokeephermoneyinthebankandwantstobeabletowithdrawitanytimeheneedsit,whichtypeofsavingsaccountshouldshedepositinto?[單選題]*A.定期存款FixedTermaccountB.活期存款Currentaccount(正確答案)C.購(gòu)買國(guó)債PurchasegovernmentbondsD.購(gòu)買保險(xiǎn)Purchaseinsurance5.假設(shè)星星將1000元存入銀行，年利率為5%。一年后他的銀行賬戶中將有多少錢?SupposeEstrelladeposits1000yuaninabankwithanannualinterestrateof5%.Howmuchmoneywillshehaveinherbankaccountafteroneyear?[單選題]*A.1050元(正確答案)B.1100元C.1000元D.950元6.假設(shè)星星每個(gè)月都往銀行賬戶中存入1000元，在不計(jì)利息的情況下，12個(gè)月后，他的銀行賬戶中將有多少錢?SupposeEstrelladeposits1000yuanintoherbankaccounteverymonth,andwithoutaccountingforinterest,howmuchmoneywillshehaveinherbankaccountafter12months?[單選題]*A.10000元B.12000元(正確答案)C.20000元D.24000元7.星星想知道，銀行除了能進(jìn)行儲(chǔ)蓄和取款之外還有什么功能?Estrellawantstoknow,besidessavingsandwithdrawals,whatotherfunctionsdobankshave?[單選題]*A.貸款服務(wù)LoanservicesB.保險(xiǎn)服務(wù)InsuranceservicesC.貨幣兌換CurrencyexchangeD.以上三項(xiàng)都是銀行的功能Alloftheabovearefunctionsofbanks(正確答案)8.假設(shè)經(jīng)過(guò)了多年，星星積累了10萬(wàn)元的財(cái)富，他希望通過(guò)投資使財(cái)富增長(zhǎng)，投資會(huì)有收益，但是也有風(fēng)險(xiǎn)。風(fēng)險(xiǎn)與收益的關(guān)系是?Supposeaftermanyyears,Estrellahasaccumulatedawealthof100,000yuan.Shehopestogrowherwealththroughinvestment.Therearereturnsininvestment,buttherearealsorisks.Whatistherelationshipbetweenriskandreturn?[單選題]*A.風(fēng)險(xiǎn)越高，收益越高Thehighertherisk,thehigherthereturn.(正確答案)B.風(fēng)險(xiǎn)越低，收益越高Thelowertherisk,thehigherthereturnC.風(fēng)險(xiǎn)越高，收益越低Thehighertherisk,thelowerthereturn.D.它們之間沒(méi)有關(guān)系Thereisnorelationshipbetweenthem.今天星星與工人們收獲了很多筐咖啡豆。爺爺說(shuō)，他們并不是每次都能像今天一樣收獲到這么多品質(zhì)這么好的咖啡豆。若遇到下雨或是自然災(zāi)害，收成就沒(méi)那么好了。Today,Estrellaandtheworkerscollectednumerousbasketsofcoffeecherries.Grandpamentionedthattheydon'talwaysmanagetoharvestsuchalargequantityofhigh-qualitycoffeecherriesliketheydidtoday.Theyielddecreasesduringrainorintheeventofnaturaldisasters.9.面對(duì)自然災(zāi)害的風(fēng)險(xiǎn)。星星和爺爺可以如何評(píng)估與準(zhǔn)備應(yīng)對(duì)這些風(fēng)險(xiǎn)呢?Facingtheriskofnaturaldisasters,howcanEstrellaandhergrandfatherassessandpreparefortheserisks?[單選題]*A.忽略風(fēng)險(xiǎn)IgnoretherisksB.只關(guān)心最常見(jiàn)的風(fēng)險(xiǎn)FocusonlyonthemostcommonrisksC.評(píng)估所有可能的風(fēng)險(xiǎn)，并制定應(yīng)對(duì)計(jì)劃Evaluateallpossiblerisksanddeveloparesponseplan(正確答案)D.把所有錢都用在防災(zāi)設(shè)備上Spendallthemoneyondisasterpreventionequipment10.為了應(yīng)對(duì)風(fēng)險(xiǎn)，爺爺考慮購(gòu)買保險(xiǎn)。星星該如何理解保險(xiǎn)的作用?Tomanagerisks,Grandfatherconsidersbuyinginsurance.HowshouldEstrellaunderstandtheroleofinsurance?[單選題]*A.保險(xiǎn)是浪費(fèi)錢InsuranceisawasteofmoneyB.保險(xiǎn)可以轉(zhuǎn)移風(fēng)險(xiǎn)，保護(hù)種植園免受重大損失Insurancecantransferrisks,protectingtheplantationfrommajorlosses(正確答案)C.保險(xiǎn)只是讓人感覺(jué)更安全I(xiàn)nsurancejustmakesonefeelsaferD.所有人都應(yīng)該買最貴的保險(xiǎn)Everyoneshouldbuythemostexpensiveinsurance咖啡豆的收成不太好時(shí)，爺爺會(huì)稍微提高咖啡豆的售價(jià)。Whenthecoffeecherryharvestisnotsogood,Grandfatherslightlyincreasesthepriceofthecoffeebeans.11.如果此時(shí)，咖啡豆的價(jià)格提高了，使用爺爺?shù)目Х确N植園的咖啡豆的咖啡店不提高咖啡售價(jià)。這對(duì)咖啡店會(huì)產(chǎn)生什么影響?IfthepriceofcoffeebeansincreasesatthetimeandthecoffeeshopsusingcoffeebeansfromGrandfather'splantationdonotincreasethepriceofcoffee,whatimpactwillthishaveonthecoffeeshops?[單選題]*A.咖啡店的收入會(huì)增加。Theincomeofthecoffeeshopswillincrease.B.咖啡店的利潤(rùn)可能會(huì)減少。Theprofitofthecoffeeshopsmaydecrease.(正確答案)C.咖啡店的成本不會(huì)受到影響。Thecostofthecoffeeshopswillnotbeaffected.D.咖啡店將會(huì)賣出更多咖啡。Thecoffeeshopswillsellmorecoffee.爺爺還說(shuō)，這些咖啡豆要經(jīng)過(guò)好幾道工序加工才能變成能在商店里售賣的咖啡豆。爺爺說(shuō)著，向星星展示了不同的處理咖啡豆的機(jī)器。這些機(jī)器都是咖啡豆生產(chǎn)環(huán)節(jié)必不可少的。Grandfatheralsosaidthatthesecoffeebeansneedtogothroughseveralprocessingstepsbeforetheycanbesoldinstores.Asheexplainedthis,heshowedEstrelladifferentmachinesusedforprocessingcoffeebeans.Thesemachinesareessentialandindispensableinthecoffeebeanproductionprocess.12.購(gòu)買這些機(jī)器的費(fèi)用屬于什么類型的成本?Whattypeofcostdoesthepurchaseofthesemachinesrepresent?[單選題]*A.機(jī)會(huì)成本OpportunitycostB.隱形成本HiddencostC.固定成本Fixedcost(正確答案)D.可變成本Variablecost星星回想起自己在不同的咖啡店看到的同一種咖啡，比如拿鐵咖啡的價(jià)格是不同的。Estrellarecallsseeingthesametypeofcoffee,likelattes,priceddifferentlyinvariouscoffeeshops.13.同一種類的咖啡，為什么在不同的咖啡店有不同的價(jià)格?Whydoesthesametypeofcoffeehavedifferentpricesindifferentcoffeeshops?[單選題]*A.因?yàn)椴煌目Х鹊甑姆孔獠煌珺ecausedifferentcoffeeshopshavedifferentrentsB.因?yàn)椴煌目Х鹊甑膯T工工資不同BecausedifferentcoffeeshopspaydifferentsalarestiotheiremployeesC.因?yàn)椴煌目Х鹊晔褂玫目Х榷蛊焚|(zhì)不同BecausedifferentcoffeeshopsusecoffeebeansofdifferentqualityD.以上三個(gè)選項(xiàng)都正確Alloftheabovearecorrect(正確答案)14.當(dāng)咖啡的價(jià)格突然上漲，那些原本喜歡喝咖啡但又對(duì)價(jià)格敏感的消費(fèi)者可能會(huì)選擇相對(duì)便宜的奶茶。因此，奶茶可被稱為咖啡的______Whenthepriceofcoffeesuddenlyrises,thoseconsumerswhooriginallylikedcoffeebutaresensitivetopricemightswitchtotherelativelycheapermilktea.Therefore,milkteacanbecalleda________forcoffee.[單選題]*A.替代品Substitute(正確答案)B.互補(bǔ)品ComplementC.奢侈品LuxuryD.必需品Necessity15.加工好的咖啡豆會(huì)被出售到不同的地方，當(dāng)出售咖啡豆獲得了收入時(shí)，需要向政府繳納稅收。為什么稅收對(duì)社會(huì)來(lái)說(shuō)很重要?Coffeebeansaresoldtodifferentplaces,andincomegeneratedfromthesalesrequirespaymentoftaxestothegovernment.Whyaretaxesimportantforsociety?[單選題]*A.稅收是政府隨意要求的費(fèi)用TaxesarearbitraryfeesdemandedbythegovernmentB.稅收是政府的收入來(lái)源之一，幫助政府提供公共服務(wù)和基礎(chǔ)設(shè)施Taxesareoneofthegovernment'ssourcesofincome,helpingtoprovidepublicservicesandinfrastructure(正確答案)C.稅收是為了讓所有人變得更加貧窮TaxesaremeanttomakeeveryonepoorerD.稅收只是讓政府官員富有的手段Taxesarejustameansforgovernmentofficialstobecomerich16.咖啡豆不僅會(huì)被出售到國(guó)內(nèi)各個(gè)不同的省份，也會(huì)出口到國(guó)外。假設(shè)咖啡豆的價(jià)格是90元/kg，一個(gè)英國(guó)買家需要購(gòu)買50kg的咖啡豆，但他手上只有英鎊，他需要將英鎊兌換成人民幣才能購(gòu)買。假設(shè)1英鎊=9元人民幣。那么英國(guó)買家需要花費(fèi)多少英鎊購(gòu)買咖啡豆?CoffeebeansaresoldnotonlyindifferentprovinceswithinChinabutalsoexportedabroad.Supposethepriceofcoffeebeansis90yuan/kg,andaBritishbuyerneedstopurchase50kgofcoffeebeans.HeneedstoexchangeBritishpoundsintoChineseyuantomakethepurchase.Assuming1pound=9yuan,howmanypoundsdoestheBritishbuyerneedtospendtobuythecoffeebeans?[單選題]*A.4500英鎊B.900英鎊C.500英鎊(正確答案)D.450英鎊17.中國(guó)不僅出口咖啡豆，也從外國(guó)進(jìn)口咖啡豆，這種國(guó)家間的商品交換被稱為什么?Chinanotonlyexportscoffeebeansbutalsoimportsthemfromabroad.Whatisthisexchangeofgoodsbetweencountriescalled[單選題]*A.市場(chǎng)MarketB.壟斷MonopolyC.貿(mào)易Trade(正確答案)D.競(jìng)爭(zhēng)Competition18.假設(shè)泰國(guó)通過(guò)法律或稅收手段限制泰國(guó)的買家從中國(guó)進(jìn)口咖啡豆，這樣的限制被稱為什么?SupposeThailandrestrictsitsbuyersfromimportingcoffeebeansfromChinathroughlawsortaxes.Whataresuchrestrictionscalled?[單選題]*A.貿(mào)易壁壘Tradebarriers(正確答案)B.全球化GlobalizationC.惡性競(jìng)爭(zhēng)ViciouscompetitionD.完全壟斷Completemonopoly19.爺爺?shù)目Х确N植園經(jīng)過(guò)多年的經(jīng)營(yíng)獲得了不少利潤(rùn)，爺爺希望將賺到的利潤(rùn)進(jìn)行投資。爺爺可以考慮投資哪些方面?Afteryearsofprofitableoperation,Grandfather'scoffeeplantationhasmadeconsiderableprofits,andhehopestoinvesttheseearnings.WhatcouldGrandfatherconsiderinvestingin?[單選題]*A.購(gòu)買新的機(jī)器設(shè)備BuyingnewmachineryandequipmentB.擴(kuò)大種植園的面積ExpandingtheplantationC.增加勞動(dòng)力Increasin