2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(5卷)2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(篇1)【題干1】Whatisthecorrecttensetoexpressanactionthatstartedinthepastandisstillcontinuingnowwithemphasisontheongoingnature?【選項】A.Shehasworkedasabranchmanagerforthreeyears.B.Shehasbeenworkingasabranchmanagerforthreeyears.C.Sheworkedasabranchmanagerthreeyearsago.D.Shewasworkingasabranchmanagerthreeyearsago.【參考答案】B【詳細(xì)解析】現(xiàn)在完成進(jìn)行時（havebeenworking）強調(diào)動作從過去持續(xù)到現(xiàn)在，且可能仍在進(jìn)行。A選項缺少進(jìn)行時態(tài)，C選項用一般過去時，D選項時態(tài)與時間狀語（threeyearsago）矛盾?！绢}干2】Whichsentencecorrectlyusesthesubjunctivemoodtoexpressahypotheticalsituation?【選項】A.IfIwereyou,Iwouldinvestinbonds.B.IfIhadknown,Iwouldhavecalled.C.Isuggestthathebepromoted.D.Sheseemstobesatisfied.【參考答案】A【詳細(xì)解析】虛擬語氣在條件句中用于非真實或假設(shè)情境。A選項正確使用“were”表達(dá)與事實相反的假設(shè)。B選項為錯綜條件句，需用過去完成時（hadknown）。C選項建議用虛擬語氣（suggestthatsb+bedone）。D選項為現(xiàn)在進(jìn)行時表推測，非虛擬語氣?！绢}干3】Choosethesentencewiththecorrectnon-finiteverbform.【選項】A.Hesuggestedgoingtothebanktodepositmoney.B.Afterfinishinghomework,shewatchedamovie.C.Byimprovingservice,thebankcanattractmorecustomers.D.Themanageraskedmewhytheprojectwasdelayed.【參考答案】C【詳細(xì)解析】非謂語動詞作狀語時，C選項“improving”為動名詞，引導(dǎo)結(jié)果狀語，邏輯主語與主句一致。A選項“going”為現(xiàn)在分詞，但“suggest”后接不定式（suggestdoing）。B選項“finishing”為過去分詞，表被動（afterbeingfinished）。D選項“why”引導(dǎo)賓語從句，需用疑問詞從句。【題干4】Whichprepositionisusedtoindicatearelationshipofsimilarity?【選項】A.betweenB.inC.forD.among【參考答案】A【詳細(xì)解析】固定搭配“between”用于兩者之間的比較（betweenbanksandcustomers）。B選項“in”表地點或范圍，C選項“for”表目的或?qū)ο螅珼選項“among”用于三者或更多。【題干5】Whatisthebestwaytoexpressademandinaformalbusinessemail?【選項】A.Weneedyoutosendthereportbytomorrow.B.Pleasesendthereporttomorrow.C.Wehopeyoucansendthereportbytomorrow.D.Kindlysendthereportbytomorrow.【參考答案】D【詳細(xì)解析】正式郵件中需使用禮貌請求句式?！癒indly”是固定用語，D選項最符合商務(wù)英語規(guī)范。A選項直接但缺乏禮貌，B選項過于簡潔，C選項“hope”語氣較弱。【題干6】Whichphraseindicatesacause-effectrelationship?【選項】A.AsaresultB.IncontrastC.ForexampleD.However【參考答案】A【詳細(xì)解析】“asaresult”明確表示結(jié)果，如：“Theinterestrateadjustmentcausedcustomerinquiriestorise.”B選項表對比，C選項舉例，D選項表轉(zhuǎn)折?！绢}干7】Whatisthegrammaticalfunctionoftheunderlinedpartinthesentence:"Thefactthattheloanapplicationwasrejectedsurprisedeveryone"?【選項】A.SubjectB.ObjectC.AdverbialphraseD.Nounclause【參考答案】D【詳細(xì)解析】“thattheloanapplicationwasrejected”為名詞性從句，作主語，說明“被拒絕的事實”。A選項為主語中心詞“fact”，C選項為副詞短語修飾動詞，B選項不適用。【題干8】Whichsentenceusesthecorrectcomparativedegree?【選項】A.Thisbank'sserviceismoreefficientthanothers.B.Thisbank'sserviceismoreefficientthantheothers.C.Thisbank'sserviceismoreefficientthananyother.D.Thisbank'sserviceismoreefficientthanallothers.【參考答案】C【詳細(xì)解析】最高級“anyother”用于比較三者或以上，強調(diào)“比所有其他選項都更優(yōu)”。A選項“others”指代不明確，B選項“theothers”指特定對象，D選項“allothers”語法正確但非最佳選項?！绢}干9】Whatisthecorrectwaytoexpressapasteventthathadaneffectonthepresent?【選項】A.Themeeting,whichstartedat9AM,lastedthreehours.B.Themeetingstartedat9AMandlastedthreehours.C.Themeeting,havingstartedat9AM,lastedthreehours.D.Themeeting,whichhadstartedat9AM,lastedthreehours.【參考答案】D【詳細(xì)解析】現(xiàn)在分詞短語表過去動作對現(xiàn)在的影響需用完成式。D選項“hadstarted”表示過去動作對后續(xù)動作的鋪墊。A選項用一般過去時，B選項無邏輯銜接，C選項“havingstarted”為獨立主格結(jié)構(gòu)，需補充主語。【題干10】Whichsentencecorrectlyusesthepassivevoice?【選項】A.Thereportwaswrittenbytheteam.B.Theteamwrotethereport.C.Thereportwritingwasdonebytheteam.D.Theteamdidthereportwriting.【參考答案】A【詳細(xì)解析】被動語態(tài)強調(diào)受事者，A選項符合“waswrittenby”結(jié)構(gòu)。B選項主動語態(tài)正確但不符合被動要求。C選項“reportwriting”為不可數(shù)名詞，D選項結(jié)構(gòu)冗余且非被動。【題干11】Whatisthemeaningoftheidiom"breaktheice"?【選項】A.AvoidconflictB.StartaconversationC.EndameetingearlyD.Increasesales【參考答案】B【詳細(xì)解析】“breaktheice”指打破僵局或開啟對話。A選項“avoidconflict”對應(yīng)“avoidawkwardness”，C選項“endameeting”對應(yīng)“closeadeal”，D選項與金融無關(guān)?！绢}干12】Whichsentenceusesthecorrectsuperlativedegreewith"themost"?【選項】A.Thisisthemostpopularbankintheregion.B.Thisismorepopularthanotherbanks.C.Thisisthemostpopularintheregion.D.Thisisthemostpopularbankthanothers.【參考答案】A【詳細(xì)解析】最高級“themost+形容詞”修飾名詞，A選項正確。C選項省略“bank”導(dǎo)致歧義，B選項用比較級，D選項比較級結(jié)構(gòu)錯誤。【題干13】Whatisthegrammaticalerrorinthesentence:"Thecommitteesuggestedincreasingtheinterestrate,whichwouldattractmoredeposits"?【選項】A.MissingcommaB.IncorrecttenseC.UnnecessaryrelativepronounD.Inconsistentsubject【參考答案】C【詳細(xì)解析】非限制性定語從句需用逗號隔開，且“which”指代“interestrateincrease”時邏輯主語不一致（委員會建議，但利率調(diào)整吸引存款）。改為“thatwouldattract”或刪除“which”?！绢}干14】Whichsentencecorrectlyusesthepresentperfecttense?【選項】A.Shehasdepositedmoneyinthebankthisweek.B.Shedepositedmoneyinthebankthisweek.C.Shehasbeendepositingmoneyinthebankthisweek.D.Shewasdepositingmoneyinthebankthisweek.【參考答案】A【詳細(xì)解析】現(xiàn)在完成時強調(diào)過去動作對現(xiàn)在的影響，A選項符合“hasdeposited”結(jié)構(gòu)。B選項用一般過去時，C選項用現(xiàn)在完成進(jìn)行時，D選項時態(tài)錯誤?！绢}干15】Whatisthebestwaytoexpressarecommendationinabusinesscontext?【選項】A.Werecommendyoutoinvestinbonds.B.Itisrecommendedthatyouinvestinbonds.C.Youshouldinvestinbonds.D.Wesuggestinvestinginbonds.【參考答案】B【詳細(xì)解析】正式建議用虛擬語氣或建議結(jié)構(gòu)。B選項“itisrecommendedthat”為規(guī)范商務(wù)用語，C選項“should”較隨意，A選項“recommend”后接不定式，D選項為動名詞結(jié)構(gòu)?！绢}干16】Whichsentenceusesthecorrectparticipleclause?【選項】A.Beingalocalbank,weunderstandcustomerneeds.B.Havingdepositedthemoney,sheleftthebank.C.Depositthemoneyfirst,thenwithdraw.D.Themoneybeingdeposited,sheleft.【參考答案】A【詳細(xì)解析】現(xiàn)在分詞短語表原因，A選項“Beingalocalbank”作狀語，邏輯主語一致。B選項“havingdeposited”為完成式，需接完成時動詞（shehadleft）。C選項為祈使句，D選項“beingdeposited”表被動，邏輯主語不明確。【題干17】Whatisthemeaningofthephrase"onthesamepage"?【選項】A.ReachanagreementB.StartaprojectC.IncreaseefficiencyD.Endacontract【參考答案】A【詳細(xì)解析】“onthesamepage”指雙方理解一致。B選項對應(yīng)“startaproject”，C選項“increaseefficiency”對應(yīng)“streamlineprocesses”，D選項與金融無關(guān)?！绢}干18】Whichsentencecorrectlyusesthepresentcontinuoustense?【選項】A.Thebankisholdingapromotionthisweek.B.Thebankwillholdapromotionthisweek.C.Thebankheldapromotionthisweek.D.Thebankhasheldapromotionthisweek.【參考答案】A【詳細(xì)解析】現(xiàn)在進(jìn)行時表將來計劃或臨時安排，A選項正確。B選項用將來時，C選項用一般過去時，D選項用現(xiàn)在完成時?！绢}干19】Whatisthebestwaytoexpressapercentageincreaseinareport?【選項】A.Thedepositincreasedby15%.B.Thedepositincreasedto15%.C.Thedepositincreasedat15%.D.Thedepositincreasedfor15%.【參考答案】A【詳細(xì)解析】“increaseby”表示增加的絕對值，“increaseto”表示達(dá)到的值。C選項“at”多用于速度或溫度，D選項“for”表時間。【題干20】Whichsentenceusesthecorrectconditionaltype2structure?【選項】A.IfIamrich,Iwilldonatetocharity.B.IfIhadbeenrich,Iwoulddonate.C.IfIwererich,Iwoulddonate.D.IfIwillberich,Iwilldonate.【參考答案】C【詳細(xì)解析】條件二（虛擬條件句）用“if+過去式，主句用would+動詞原形”。C選項正確。A選項用一般現(xiàn)在時表假設(shè)，B選項為錯綜條件句（hadbeen對應(yīng)woulddonate），D選項時態(tài)錯誤。2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(篇2)【題干1】Allthestudents______tothelibraryby9a.m.yesterday.A.weresentB.hadbeensentC.wouldbesentD.hadsent【參考答案】B【詳細(xì)解析】主句動作發(fā)生在昨天的9點前，且主句是過去完成時，從句需用過去完成時表先于主句的時間關(guān)系。B選項正確?！绢}干2】IfI______you,I______adifferentcareer.A.were;wouldhavetakenB.was;wouldtakeC.hadbeen;wouldhavetakenD.hadbeen;wouldtake【參考答案】A【詳細(xì)解析】虛擬語氣中，與現(xiàn)在事實相反用過去式，從句動詞需用倒裝結(jié)構(gòu)（were/hadbeen）。主句用wouldhavetaken體現(xiàn)與過去事實相反的假設(shè)?！绢}干3】Thebook______onthetableismine.A.lyingB.liedC.liesD.lying【參考答案】A【詳細(xì)解析】lie作形容詞時表“平躺”，修飾名詞需用現(xiàn)在分詞作后置定語，即lyingonthetable。lie作動詞時過去式為過去分詞，但此處需用形容詞。【題干4】Bytheendof2024,scientists______acureforthedisease.A.willhavediscoveredB.woulddiscoverC.wouldhavediscoveredD.willdiscover【參考答案】A【詳細(xì)解析】bytheendof2024表示未來某時點前完成的動作，需用將來完成時。B選項時態(tài)錯誤，C選項主句與從句邏輯關(guān)系不符?！绢}干5】IfI______you,I______toaskforhelp.A.didn'tknow;wouldhaveaskedB.didn'tknow;wouldaskC.hadknown;wouldhaveaskedD.hadknown;wouldask【參考答案】C【詳細(xì)解析】與過去事實相反需用過去完成時表條件，主句用wouldhavedone。若用一般過去時（asked）則表示過去實際發(fā)生，與虛擬語氣矛盾?！绢}干6】Themanagerislookingforsomeone______canhandlebothaccounts.A.whoB.whomC.thatD.which【參考答案】C【詳細(xì)解析】非限制性定語從句修飾不可數(shù)名詞或介詞短語時，用which替代關(guān)系代詞。此處“handlebothaccounts”是介詞短語，故用which?！绢}干7】Itisimportant______weallworktogether.A.thatB.whenC.howD.where【參考答案】A【詳細(xì)解析】it作形式主語時，that引導(dǎo)真正主語從句，且從句中缺少主語，不能用when（表時間）或where（表地點）。【題干8】Hewastootired______continuethework.A.toB.forC.withD.of【參考答案】A【詳細(xì)解析】固定搭配too...to...表“太...而不能”，后接動詞原形。B選項for接名詞，C選項with接名詞，D選項of接形容詞。【題干9】Themuseumis______the18thcentury,______theartifactsarefromtheTangDynasty.A.built;whichB.built;thatC.built;thatD.built;where【參考答案】D【詳細(xì)解析】where引導(dǎo)定語從句修飾地點，此處指博物館的位置，從句中缺少介詞，用where引出。C選項that不能引導(dǎo)定語從句?！绢}干10】Thereport______bythedepartmentwasfulloferrors.A.composedB.composedC.composingD.composing【參考答案】B【詳細(xì)解析】過去分詞表被動，修飾名詞“report”需用過去分詞作后置定語。A選項composed作動詞，C/D為現(xiàn)在分詞?！绢}干11】By2025,______80%ofthepopulationwillliveincities.A.itispredictedB.itispredictedthatC.predictD.predicting【參考答案】B【詳細(xì)解析】it作形式主語時，that引導(dǎo)真正主語從句，從句中需有完整謂語。B選項結(jié)構(gòu)完整，C/D缺少主語?！绢}干12】Themeeting______at3p.m.wascanceledduetothestorm.A.startedB.startC.startedD.starts【參考答案】C【詳細(xì)解析】過去分詞表被動，修飾名詞“meeting”需用過去分詞作后置定語。A選項start是動詞原形，B/D為現(xiàn)在時態(tài)?！绢}干13】Shesuggested______themeetinguntilfurthernotice.A.delayingB.todelayC.delayD.delayingit【參考答案】B【詳細(xì)解析】suggest后接動詞原形時，若賓語是“that從句”，需用不定式；若賓語是動詞，需用“動詞+賓語+todo”。此處直接接動詞，選不定式?！绢}干14】Thebook______isontheshelfisabestseller.A.lyingB.liedC.liesD.lying【參考答案】A【詳細(xì)解析】lie作形容詞表“平躺”，需用現(xiàn)在分詞作后置定語。lie作動詞時，過去式為過去分詞，但此處需用形容詞?！绢}干15】Ifyou______moreattentiontogrammar,yourwritingwillimprove.A.paidB.payC.wouldpayD.paid【參考答案】B【詳細(xì)解析】虛擬語氣中，條件句用過去式表與現(xiàn)在事實相反，但若主句用would/could/might等情態(tài)動詞，條件句需用現(xiàn)在式。此處主句無情態(tài)動詞，B選項正確?！绢}干16】Thecompany______in2005hasgrownrapidlyinthepastdecade.A.establishedB.establishedC.establishedD.establishing【參考答案】B【詳細(xì)解析】過去分詞表被動，修飾名詞“company”需用過去分詞作后置定語。A選項establish作動詞，D為現(xiàn)在分詞。【題干17】Themanager,______thereportwassubmitted,praisedtheteam.A.whoB.whomC.thatD.which【參考答案】B【詳細(xì)解析】who引導(dǎo)非限制性定語從句修飾人，whom作賓語。此處從句缺少賓語，用whom?！绢}干18】Bythetimewearrived,theconference______foranhour.A.startedB.hadstartedC.startedD.wouldstart【參考答案】B【詳細(xì)解析】過去完成時表動作在另一個過去動作之前完成。主句“arrived”發(fā)生在過去，從句“started”需用過去完成時?！绢}干19】Theteacheraskedthestudents______questionsintheexam.A.toanswerB.answeringC.answeredD.answeringto【參考答案】B【詳細(xì)解析】asksbtodosth后接不定式，但若主句是祈使句或過去式，需用現(xiàn)在分詞作后置定語。此處主句為過去式，B選項正確?！绢}干20】Theproject,______budgetwasincreasedby20%,wasfinallyapproved.A.whoseB.thatC.whichD.what【參考答案】A【詳細(xì)解析】whose引導(dǎo)定語從句修飾“budget”，從句中缺少代詞，用whose。C選項which修飾物，但此處需表所屬關(guān)系。2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(篇3)【題干1】Whichofthefollowingsentencesisgrammaticallycorrect?A.Shehasalreadyfinishedherhomework,butshestillfeelsnervous.B.Shehasfinishedherhomework,butshefeelsnervous.C.Shehasfinishedherhomework,andshefeelsnervous.D.Shefinishedherhomework,butshefeelsnervous.【參考答案】A【詳細(xì)解析】正確答案為A。句子需用現(xiàn)在完成時描述已完成的動作（hasfinished）與當(dāng)前狀態(tài)（feelsnervous）的對比，且but連接兩個并列分句，需保持時態(tài)一致。B選項缺少時間狀語"already"，C選項and連接兩個獨立分句但邏輯不連貫，D選項誤用過去時。【題干2】Thereportsuggeststhatclimatechangewillsignificantlyimpactagriculturalproductivity,especiallyindevelopingcountries.Whatisthemainpurposeofthissentence?A.Tosummarizeastudy'sfindingsB.TopredictfuturetrendsC.TorecommendpolicychangesD.Tocompareeconomicregions【參考答案】A【詳細(xì)解析】正確答案為A。主句"thereportsuggests"表明這是對研究報告結(jié)論的轉(zhuǎn)述，而非直接預(yù)測（B）或提出建議（C）。雖然提到developingcountries，但句子核心是總結(jié)研究報告內(nèi)容，而非區(qū)域比較（D）?！绢}干3】Bythetimewearrivedatthestation,thetrainhadalreadydeparted.Whichtensecombinationisusedhere?A.PresentPerfectandPastSimpleB.PresentPerfectandPresentContinuousC.PastSimpleandPastContinuousD.PastPerfectandPastContinuous【參考答案】D【詳細(xì)解析】正確答案為D。"haddeparted"是過去完成時，表示在另一個過去動作（wearrived）之前已發(fā)生的動作。PastContinuous（正在進(jìn)行的過去動作）不符合語境，因為火車已離開而非持續(xù)停留。【題干4】Thecommitteewillmeettomorrowtodiscusstheproposedbudget.Whichprepositionisusedcorrectly?A.ForB.InC.AtD.On【參考答案】C【詳細(xì)解析】正確答案為C。"meetat"用于具體地點（如會議室），而"discussthebudget"是抽象議題。A選項（for）表示目的，B選項（in）多用于地點或范圍，D選項（on）通常搭配日期或表面?！绢}干5】Alleffortstoresolvethedisputehavebeeninvain.Whatdoes"invain"meaninthiscontext?A.WithoutsuccessB.ForalongtimeC.InsecretD.Withenthusiasm【參考答案】A【詳細(xì)解析】正確答案為A。"invain"固定短語意為"徒勞地"，強調(diào)徒勞無益的結(jié)果。B選項（長時間）需搭配"foralongtime"，C選項（秘密地）用"secretly"，D選項（熱情地）用"enthusiastically"。【題干6】Thestudyindicatesthatemployeeswithflexibleworkinghoursreporthigherjobsatisfaction.Whichconjunctionismostappropriatetolinktheseideas?A.BecauseB.ThereforeC.AlthoughD.Unless【參考答案】B【詳細(xì)解析】正確答案為B。"Therefore"用于因果邏輯，連接研究結(jié)論（indicates）與結(jié)果（reporthighersatisfaction）。A選項（because）需后接原因，C選項（although）表轉(zhuǎn)折，D選項（unless）表假設(shè)條件。【題干7】Themanageremphasizedtheimportanceofteamworkinachievingorganizationalgoals.Whichwordisusedtoexpressstrongemphasis?A.StressB.HighlightC.MentionD.Ignore【參考答案】B【詳細(xì)解析】正確答案為B。"highlight"意為"強調(diào)"，常用于正式場合的演講或報告。A選項（stress）可作動詞但更口語化，C選項（mention）表提及，D選項（ignore）表忽視?！绢}干8】Despitethechallenges,theprojectwascompletedaheadofschedule.Whichadverbmodifiestheverb"completed"?A.ActuallyB.FinallyC.InitiallyD.Partially【參考答案】B【詳細(xì)解析】正確答案為B。"finally"表示經(jīng)過努力后完成，符合"despitechallenges"的語境。A選項（actually）表事實與印象差異，C選項（initially）表最初計劃，D選項（partially）表未完成?！绢}干9】Thedatacollectedduringtheexperimentwillbeanalyzedusingstatisticalmethods.Whichphraseindicatestheintendedaction?A.DuringtheexperimentB.AftertheexperimentC.BeforetheexperimentD.Whiletheexperiment【參考答案】A【詳細(xì)解析】正確答案為A。"during"表示動作在實驗期間持續(xù)進(jìn)行，與"collected"（收集數(shù)據(jù)）的時間一致。B選項（after）表實驗后分析，C選項（before）表實驗前收集，D選項（while）表同時進(jìn)行但需搭配進(jìn)行時。【題干10】Thecompany'srecentdecisiontoexpandintonewmarketshasbeenmetwithemployeeskepticism.Whichwordconveysanegativereaction?A.ApprovalB.ResistanceC.EncouragementD.Optimism【參考答案】B【詳細(xì)解析】正確答案為B。"skepticism"（懷疑態(tài)度）與"negativereaction"（負(fù)面反應(yīng)）對應(yīng)，而resistance（抵制）更強調(diào)反抗行為。A選項（approval）和C選項（encouragement）表積極態(tài)度，D選項（optimism）表樂觀預(yù)期。【題干11】Thecontractrequiresbothpartiestoadheretotheagreedterms.Whichverbisusedtoexpressstrictcompliance?A.ComplyB.AgreeC.DisagreeD.Deny【參考答案】A【詳細(xì)解析】正確答案為A。"complywith"（遵守）強調(diào)履行義務(wù)，符合合同法律文本的正式語境。B選項（agree）表認(rèn)同但無強制意味，C選項（disagree）表反對，D選項（deny）表否認(rèn)?！绢}干12】Theresearchfindingssuggestacorrelationbetweensleepqualityandcognitiveperformance.Whichwordindicatesastatisticalrelationship?A.CausationB.CorrelationC.ComparisonD.Contradiction【參考答案】B【詳細(xì)解析】正確答案為B。"correlation"（相關(guān)性）指統(tǒng)計上的關(guān)聯(lián)，而causation（因果關(guān)系）需證明直接導(dǎo)致。C選項（比較）需搭配"between/with"，D選項（矛盾）表對立結(jié)論?！绢}干13】ThecommitteewillreviewtheproposalatitsnextmeetingscheduledfornextFriday.Whichprepositionisusedcorrectly?A.InB.AtC.OnD.For【參考答案】B【詳細(xì)解析】正確答案為B。"meetat"用于具體地點（如會議室），而"nextFriday"是日期，需用"on"。A選項（in）表在某個范圍內(nèi)，C選項（on）表日期，D選項（for）表目的?！绢}干14】Thecompanyplanstoimplementanewtrainingprogramtoenhanceemployeeskills.Whichverbindicatesplannedaction?A.HasimplementedB.WillimplementC.ImplementedD.Implementing【參考答案】B【詳細(xì)解析】正確答案為B。"willimplement"（將實施）表示將來計劃，符合"plansto"的語境。A選項（hasimplemented）表已完成，C選項（implemented）是過去式，D選項（implementing）是進(jìn)行時。【題干15】Themanager'sdecisiontofiretheemployeewascontroversial.Whichadjectivedescribesatopicofdebate?A.UnanimousB.ControversialC.UnprecedentedD.Discreet【參考答案】B【詳細(xì)解析】正確答案為B。"controversial"（有爭議的）直接對應(yīng)題干"controversial"，強調(diào)引發(fā)討論。A選項（一致同意）與語境矛盾，C選項（前所未有的）表獨特性，D選項（謹(jǐn)慎的）表行為方式?！绢}干16】Thefinancialstatementshowsasignificantincreaseinliabilitiescomparedtolastyear.Whichcomparisonstructureisused?A.ComparedwithB.IncomparisontoC.RelativetoD.Inrelationwith【參考答案】A【詳細(xì)解析】正確答案為A。"comparedwith"（與...相比）是固定搭配，后接同類事物。B選項（incomparisonto）結(jié)構(gòu)正確但較正式，C選項（relativeto）表相關(guān)性，D選項（inrelationwith）多用于抽象概念?！绢}干17】Thestudy'smethodologywascriticizedforitslackofobjectivity.Whichnoundescribesaflawinresearchdesign?A.ValidityB.ReliabilityC.BiasD.Samplesize【參考答案】C【詳細(xì)解析】正確答案為C。"bias"（偏見）指研究設(shè)計中的主觀傾向，導(dǎo)致結(jié)果不可靠。A選項（有效性）指能否測出真實值，B選項（可靠性）指結(jié)果一致性，D選項（樣本量）是數(shù)量問題。【題干18】Theboardapprovedthebudgetproposalduringthequarterlymeeting.Whichverbindicatesofficialacceptance?A.RatifiedB.EndorsedC.RevisedD.Rejected【參考答案】A【詳細(xì)解析】正確答案為A。"ratified"（批準(zhǔn)）指正式通過，常用于法律或公司決策。B選項（支持）較籠統(tǒng)，C選項（修訂）表修改，D選項（否決）表拒絕?！绢}干19】Thecontract'sexpirationdateisclearlystatedinSection5.Whichadverbmodifiestheverb"stated"?A.ClearlyB.FinallyC.InitiallyD.Partially【參考答案】A【詳細(xì)解析】正確答案為A。"clearly"（明確地）強調(diào)信息表達(dá)無歧義，符合合同條款的正式要求。B選項（最終）表時間，C選項（最初）表時間順序，D選項（部分）表不完整。【題干20】Thecompany'sprofitmargindecreasedby15%year-on-year.Whichphraseindicatesacomparisonbetweentwoperiods?A.ComparedwithB.IncontrasttoC.AscomparedtoD.Relativeto【參考答案】C【詳細(xì)解析】正確答案為C。"ascomparedto"（與...相比）是正式表達(dá)，強調(diào)縱向比較（本年度vs去年）。A選項（comparedwith）正確但較口語化，B選項（incontrastto）表對比差異，D選項（relativeto）表相關(guān)性而非時間比較。2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(篇4)【題干1】In2025,theJiangsuProvincialRuralCommercialBankwillprioritizecandidateswithexpertiseinwhichofthefollowingareas?【選項】A)UrbanconstructionprojectsB)AgriculturalcreditpoliciesC)DigitalcurrencydevelopmentD)Foreignexchangeregulations【參考答案】B【詳細(xì)解析】正確答案為B。題目考察金融行業(yè)核心領(lǐng)域知識，農(nóng)業(yè)信貸政策是農(nóng)村商業(yè)銀行的重點業(yè)務(wù)方向。選項A涉及城市基建，與農(nóng)村銀行職能關(guān)聯(lián)度低；選項C與當(dāng)前數(shù)字貨幣監(jiān)管框架相關(guān)，非農(nóng)村銀行招聘核心；選項D屬于外匯管理部門職責(zé)范疇，正確選項B直接對應(yīng)農(nóng)村金融機構(gòu)業(yè)務(wù)重點?！绢}干2】Whichgrammaticalstructureisusedtoexpressahypotheticalsituationinformalbusinessdocuments?【選項】A)PresentperfecttenseB)SecondconditionalclauseC)PassivevoicestructureD)Imperativemood【參考答案】B【詳細(xì)解析】正確答案為B。第二條件從句（If+過去式,would/could+動詞原形）是商務(wù)英語中描述假設(shè)場景的標(biāo)準(zhǔn)語法結(jié)構(gòu)。選項A用于強調(diào)持續(xù)到現(xiàn)在的動作，與假設(shè)無關(guān)；選項C側(cè)重被動語態(tài)，不體現(xiàn)條件關(guān)系；選項D為命令式，不符合題干語境。【題干3】Thephrase"tobridgethegap"mostappropriatelyreferstowhichstrategicobjective?【選項】A)ExpandingmarketshareB)EnhancingoperationalefficiencyC)OptimizingriskmanagementD)Improvingcustomersatisfaction【參考答案】C【詳細(xì)解析】正確答案為C。風(fēng)險管理的核心目標(biāo)是填補潛在漏洞（bridgethegap），而選項C"優(yōu)化風(fēng)險管理"最貼切。選項A側(cè)重市場拓展，B強調(diào)流程效率，D關(guān)注客戶體驗，均與風(fēng)險管理無直接關(guān)聯(lián)?！绢}干4】InaSWOTanalysis,whichelementiscategorizedasaninternalfactoraffectingorganizationalperformance?【選項】A)CompetitorpricingstrategiesB)RegulatorycompliancerequirementsC)EmployeetrainingprogramsD)Markettrends【參考答案】C【詳細(xì)解析】正確答案為C。SWOT分析中，內(nèi)部因素（StrengthsandWeaknesses）包括員工培訓(xùn)等組織內(nèi)部能力，選項C屬于內(nèi)部優(yōu)化措施。選項A、D為外部環(huán)境因素，B雖屬合規(guī)要求但通常歸類為外部監(jiān)管壓力?！绢}干5】Whichfinancialindicatorreflectsacompany'sabilitytomeetshort-termobligations?【選項】A)ReturnonAssets(ROA)B)CurrentRatioC)EarningsPerShare(EPS)D)Debt-to-EquityRatio【參考答案】B【詳細(xì)解析】正確答案為B。流動比率（CurrentRatio=流動資產(chǎn)/流動負(fù)債）是衡量短期償債能力的關(guān)鍵指標(biāo)。選項A衡量資產(chǎn)使用效率，C反映每股收益，D評估資本結(jié)構(gòu)，均不直接對應(yīng)短期償債能力。【題干6】Theterm"liability"inaccountingrefersto:【選項】A)ResourcesownedbythecompanyB)ClaimsagainstthecompanyC)ProfitsgeneratedduringanaccountingperiodD)Increaseinequity【參考答案】B【詳細(xì)解析】正確答案為B。會計負(fù)債指企業(yè)對外部的經(jīng)濟(jì)責(zé)任（claimsagainstthecompany），對應(yīng)資產(chǎn)負(fù)債表右邊項目。選項A為資產(chǎn)（leftside），C為利潤（收入-費用），D為所有者權(quán)益變動。【題干7】WhichofthefollowingisNOTacomponentofacashflowstatement?【選項】A)OperatingactivitiesB)InvestingactivitiesC)FinancingactivitiesD)Inventoryvaluationadjustments【參考答案】D【詳細(xì)解析】正確答案為D?，F(xiàn)金流量表三部分為經(jīng)營活動、投資活動和籌資活動，D選項庫存計價調(diào)整屬于資產(chǎn)負(fù)債表項目，與現(xiàn)金流量無直接關(guān)聯(lián)。【題干8】Inaloanapplication,theterm"collateral"typicallyrefersto:【選項】A)PersonalguaranteesfromshareholdersB)SecurityassetsofferedtosecurealoanC)GovernmentsubsidiesD)Employeebenefitprograms【參考答案】B【詳細(xì)解析】正確答案為B。抵押品（collateral）指用于擔(dān)保貸款償還的實物資產(chǎn)（如房產(chǎn)、設(shè)備），選項B準(zhǔn)確。選項A為人質(zhì)擔(dān)保，C為政府資助，D與貸款擔(dān)保無關(guān)?！绢}干9】Whichfinancialinstrumentisusedtohedgeagainstcurrencyexchangeratefluctuations?【選項】A)FuturescontractsB)OptionscontractsC)ForwardscontractsD)Swapsagreements【參考答案】A【詳細(xì)解析】正確答案為A。期貨合約（futures）是標(biāo)準(zhǔn)化金融衍生品，專門用于鎖定未來匯率。期權(quán)（B）提供選擇權(quán)，遠(yuǎn)期（C）為定制化合約，掉期（D）主要用于利率風(fēng)險對沖?！绢}干10】Theprocessofidentifyingandanalyzingrisksassociatedwithfinancialtransactionsisknownas:【選項】A)AuditingB)RiskassessmentC)InternalcontrolsD)Budgeting【參考答案】B【詳細(xì)解析】正確答案為B。風(fēng)險評估（riskassessment）指識別、評估和管理潛在財務(wù)風(fēng)險的系統(tǒng)性流程。選項A為審計監(jiān)督，C為內(nèi)部控制流程，D為資金規(guī)劃，均不直接對應(yīng)風(fēng)險識別分析環(huán)節(jié)?！绢}干11】Whichaccountingmethodrecordsexpenseswhentheyareincurred,regardlessofpaymenttiming?【選項】A)CashbasisaccountingB)AccrualbasisaccountingC)Double-entrysystemD)Budgetarycontrol【參考答案】B【詳細(xì)解析】正確答案為B。權(quán)責(zé)發(fā)生制（accrualbasis）要求在交易發(fā)生時確認(rèn)收入和費用，與現(xiàn)金收付時間無關(guān)。選項A為收付實現(xiàn)制，C為記賬規(guī)則，D為預(yù)算控制?！绢}干12】Theterm"underwriting"insecuritiesissuancerefersto:【選項】A)PublicofferingregulationB)Investmentbank'sroleinpricingsharesC)GovernmentapprovalprocessD)Investorsuitabilityevaluation【參考答案】B【詳細(xì)解析】正確答案為B。承銷（underwriting）指投資銀行評估標(biāo)的資產(chǎn)價值并確定發(fā)行價格的過程。選項A為上市監(jiān)管，C為政府審批，D為投資者適當(dāng)性審查，均非承銷核心職能?！绢}干13】Whichfinancialratiomeasuresacompany'sliquidityposition?【選項】A)Debt-to-EquityRatioB)QuickRatioC)NetProfitMarginD)EarningsGrowthRate【參考答案】B【詳細(xì)解析】正確答案為B。速動比率（QuickRatio=（流動資產(chǎn)-存貨）/流動負(fù)債）反映企業(yè)短期償債能力，比流動比率（CurrentRatio）更嚴(yán)格。選項A評估資本結(jié)構(gòu)，C衡量盈利能力，D反映增長潛力?！绢}干14】InaSWOTanalysis,whichfactorisconsideredastrengthifitprovidesacompetitiveadvantage?【選項】A)HighemployeeturnoverB)StrongbrandrecognitionC)RegulatorychangesD)Marketsaturation【參考答案】B【詳細(xì)解析】正確答案為B。SWOT分析中，優(yōu)勢（Strengths）指內(nèi)部積極因素，如品牌認(rèn)知度（strongbrandrecognition）形成差異化競爭。選項A為人力資源問題，C、D為外部環(huán)境威脅?！绢}干15】Whichfinancialstatementshowsthechangesinequityduringareportingperiod?【選項】A)IncomeStatementB)BalanceSheetC)CashFlowStatementD)StatementofChangesinEquity【參考答案】D【詳細(xì)解析】正確答案為D。所有者權(quán)益變動表（StatementofChangesinEquity）專門記錄股本、資本公積等項目的增減變動，而資產(chǎn)負(fù)債表（B）僅反映期初期末靜態(tài)數(shù)據(jù)?！绢}干16】Whichaccountingprinciplerequiresexpensestoberecordedwhentheyareincurred,notwhenpaid?【選項】A)MatchingprincipleB)ConsistencyprincipleC)AccrualprincipleD)Goingconcernprinciple【參考答案】A【詳細(xì)解析】正確答案為A。配比原則（MatchingPrinciple）要求將收入與同期相關(guān)成本費用匹配確認(rèn)，與權(quán)責(zé)發(fā)生制（C選項）共同構(gòu)成accrualaccounting核心。選項B強調(diào)會計政策一致性，D為持續(xù)經(jīng)營假設(shè)?！绢}干17】Theterm"calloption"allowstheholderto:【選項】A)BuysharesatapredeterminedpricewithinaspecificperiodB)SellsharesatastrikepriceifthemarketpricedropsC)ExchangestocksforcashD)Convertbondstoequity【參考答案】A【詳細(xì)解析】正確答案為A?？礉q期權(quán)（calloption）賦予持有人在到期前以約定價格買入標(biāo)的資產(chǎn)的權(quán)利。選項B描述看跌期權(quán)（putoption）特征，C為股票回購，D為轉(zhuǎn)股權(quán)。【題干18】Whichfinancialmetricisusedtoevaluateacompany'soperationalefficiency?【選項】A)ReturnonEquity(ROE)B)InventoryTurnoverRatioC)NetInterestMarginD)EBITDA【參考答案】B【詳細(xì)解析】正確答案為B。存貨周轉(zhuǎn)率（InventoryTurnover）衡量庫存資產(chǎn)轉(zhuǎn)化為銷售收入的效率，反映運營效率。選項A評估股東回報率，C為凈息差，D為息稅折舊攤銷前利潤?！绢}干19】Theterm"leverage"infinancerefersto:【選項】A)UsingdebttoincreasereturnsB)ReducingoperationalcostsC)DiversifyinginvestmentportfolioD)Implementingbudgetcuts【參考答案】A【詳細(xì)解析】正確答案為A。財務(wù)杠桿（Leverage）指通過舉債放大股東收益，典型公式為ROE=凈利潤/股東權(quán)益。選項B為成本控制，C為分散投資，D為緊縮政策?！绢}干20】WhichofthefollowingisNOTatypeofderivativesecurity?【選項】A)FuturescontractsB)BondETFsC)OptionscontractsD)Swapsagreements【參考答案】B【詳細(xì)解析】正確答案為B。衍生品（Derivatives）指價值基于基礎(chǔ)資產(chǎn)的合約，包括期貨（A）、期權(quán)（C）、掉期（D）。ETF（交易型開放式指數(shù)基金）屬于基金產(chǎn)品，非衍生品范疇。2025年江蘇省農(nóng)村商業(yè)銀行招聘考試（英語）歷年參考題庫含答案詳解(篇5)【題干1】Whenthemanagerannouncedthenewpolicy,someemployeesshowedconfusionbecausethey______nothavereceivedpriornotice.【選項】A.didn'treceiveB.wouldn'treceiveC.haven'treceivedD.wouldn'thavereceived【參考答案】C【詳細(xì)解析】空格處需填入與現(xiàn)在完成時一致的動詞形式，"hadn'treceived"為完成時的否定形式，但題干中主句為過去時，需用現(xiàn)在完成時表動作的持續(xù)性。C選項正確，"haven'treceived"表示從過去持續(xù)到現(xiàn)在的未收到通知，符合上下文邏輯。其他選項時態(tài)或情態(tài)動詞使用錯誤。【題干2】Thebookthat______methroughmystudiesisbothinformativeandentertaining.【選項】A.guidedB.guidedmeC.hasguidedD.guidedhas【參考答案】B【詳細(xì)解析】定語從句中關(guān)系代詞"that"指代先行詞"thebook"，需充當(dāng)動詞"guided"的賓語。B選項"guidedme"符合語法規(guī)則，其他選項中C、D缺少賓語，A項缺少關(guān)系代詞?！绢}干3】Bythetimewearrivedattheairport,theflight______for30minutes.【選項】A.hadtakenoffB.tookoffC.wastakingoffD.wouldtakeoff【參考答案】A【詳細(xì)解析】空格處需用過去完成時表動作在另一個過去動作之前完成。主句"arrived"為過去時，"hadtakenoff"正確，表示航班起飛早于到達(dá)機場的時間。B、C、D選項時態(tài)邏輯錯誤?！绢}干4】IfI______you,Iwouldhavestartedtheprojectearlier.【選項】A.hadknownB.knownC.wouldknowD.haveknown【參考答案】A【詳細(xì)解析】虛擬語氣中，與現(xiàn)在事實相反的if從句需用過去完成時，主句用wouldhavedone。A選項"hadknown"符合語法規(guī)則，其他選項時態(tài)結(jié)構(gòu)錯誤?！绢}干5】Themuseum______lastSundaywassoimpressivethatIdecidedtovisititagainthisweek.【選項】A.IvisitedB.IhadvisitedC.visitingD.visited【參考答案】B【詳細(xì)解析】非限制性定語從句修飾前面整個主句，需用過去完成時表先于主句動作。B選項"hadvisited"正確，其他選項時態(tài)或從句類型錯誤?！绢}干6】Sheissaidto______afamousauthor,butIdon'tbelieveit.【選項】A.beB.beingC.beenD.is【參考答案】B【詳細(xì)解析】動詞"besaidto"固定搭配后接現(xiàn)在分詞表被動含義，B選項"being"正確，其他選項語法結(jié)構(gòu)錯誤。