2025年工商銀行延安市筆試英文行測高頻題含答案本文基于近年相關(guān)經(jīng)典題庫，通過專業(yè)模型學(xué)習(xí)創(chuàng)作而成，力求幫助考生深入理解題型，提升應(yīng)試能力。#2025年工商銀行延安市筆試英文行測高頻題及答案一、選詞填空（共5題，每題2分，共10分）題目1.Therapiddevelopmentofartificialintelligencehas______thetraditionalbankingindustry,forcingmanyinstitutionstoadaptor______.A.revolutionized;collapseB.transformed;failC.modernized;stagnateD.enhanced;thrive2.Inthecontextoffinancialservices,______technologyreferstotheuseofdigitaltoolstoimprovecustomerengagementandoperationalefficiency.A.disruptiveB.innovativeC.traditionalD.conventional3.Thenewregulatoryframeworkaimsto______financialstabilitybyimplementingstrictercapitalrequirementsandriskmanagementpractices.A.enhanceB.undermineC.destabilizeD.moderate4.Banksthatfailtoadoptdigitaltransformationstrategiesmay______inahighlycompetitivemarket,ascustomersincreasinglypreferonlineservices.A.thriveB.stagnateC.expandD.innovate5.The______ofblockchaintechnologyinbankinghasthepotentialto______transactionspeedsandreducecosts.A.integration;enhanceB.adoption;increaseC.implementation;optimizeD.deployment;streamline答案及解析1.答案：B解析："Transformed"（轉(zhuǎn)變）和"fail"（失?。┐钆渥罘暇湟?，表示人工智能的快速發(fā)展迫使傳統(tǒng)銀行業(yè)轉(zhuǎn)型或失敗。其他選項中，"enhanced"（增強）和"thrive"（繁榮）不符合語境，"revolutionized"（革命化）和"collapse"（崩潰）過于極端，"modernized"（現(xiàn)代化）和"stagnate"（停滯）不夠貼切。2.答案：A解析："Disruptive"（顛覆性）最符合題意，指金融科技通過數(shù)字工具改善客戶互動和運營效率。其他選項中，"innovative"（創(chuàng)新性）不夠準(zhǔn)確，"traditional"（傳統(tǒng)性）和"conventional"（常規(guī)性）與題意相反。3.答案：A解析："Enhance"（增強）與"financialstability"（金融穩(wěn)定）搭配最合理，表示通過嚴(yán)格資本要求和風(fēng)險管理增強金融穩(wěn)定。其他選項中，"undermine"（破壞）、"destabilize"（不穩(wěn)定）和"moderate"（調(diào)節(jié)）都不符合語境。4.答案：B解析："Stagnate"（停滯）最符合句意，表示未能采用數(shù)字化轉(zhuǎn)型的銀行在競爭激烈的市場中可能停滯不前。其他選項中，"thrive"（繁榮）、"expand"（擴張）和"innovate"（創(chuàng)新）與句意不符。5.答案：C解析："Implementation"（實施）和"optimize"（優(yōu)化）搭配最合理，表示區(qū)塊鏈技術(shù)在銀行業(yè)的實施有潛力優(yōu)化交易速度和降低成本。其他選項中，"adoption"（采用）和"increase"（增加）、"deployment"（部署）和"streamline"（簡化）不夠準(zhǔn)確。二、閱讀理解（共5題，每題3分，共15分）題目1.Passage:"Theriseofdigitalbankinghastransformedthewaycustomersinteractwithfinancialinstitutions.Traditionalbrick-and-mortarbanksareincreasinglyadoptingonlineplatformstoprovideconvenientandefficientservices.However,thisshiftalsopresentschallenges,suchastheneedforrobustcybersecuritymeasurestoprotectsensitivecustomerdata.Despitethesechallenges,thedigitalbankingtrendisexpectedtocontinuegrowing,drivenbyadvancementsintechnologyandchangingconsumerpreferences."Question:Whatisthemainchallengementionedinthepassageregardingdigitalbanking?A.IncreasedcompetitionB.CybersecurityrisksC.RegulatorycomplianceD.Customerdissatisfaction2.Passage:"Blockchaintechnologyhasgainedsignificantattentioninthefinancialsectorduetoitspotentialtorevolutionizetransactions.Byeliminatingintermediaries,blockchaincanreducetransactioncostsandimprovetransparency.However,widespreadadoptionfacesregulatoryhurdlesandtheneedforstandardization.Despitetheseobstacles,thelong-termbenefitsofblockchaininbankingareexpectedtooutweighthechallenges."Question:Whatistheprimaryadvantageofblockchaintechnologyinbanking?A.EnhancedsecurityB.ReducedtransactioncostsC.ImprovedcustomerserviceD.Increasedprofitability3.Passage:"The中國人民銀行recentlyintroducednewguidelinestostrengthencapitaladequacyrequirementsforbanks.Thesemeasuresaimtoensurefinancialstabilitybyreducingsystemicrisks.Banksarerequiredtomaintainhighercapitalbufferstoabsorbpotentiallosses.Whilesomeinstitutionsmayfindtheserequirementsburdensome,theyareessentialforthelong-termhealthofthebankingsector."Question:Whatisthemainpurposeofthenewguidelines?A.TopromotebankmergersB.ToensurefinancialstabilityC.ToincreaseloanapprovalsD.Toreduceregulatorycosts4.Passage:"Theuseofbigdatainbankinghasenabledinstitutionstoofferpersonalizedfinancialproductsandservices.Byanalyzingcustomerbehavior,bankscantailorrecommendationstoindividualneeds,improvingcustomersatisfaction.However,thisapproachalsoraisesprivacyconcerns,asthecollectionanduseofpersonaldatamustcomplywithlegalandethicalstandards."Question:Whatisasignificantbenefitofusingbigdatainbanking?A.ReducedoperationalcostsB.EnhancedcustomersatisfactionC.IncreasedmarketshareD.Improvedregulatorycompliance5.Passage:"Theglobalfinancialcrisisof2008highlightedtheimportanceofriskmanagementinbanking.Sincethen,regulatorybodieshaveimplementedstricteroversighttopreventsimilarcrises.Banksarenowrequiredtoconductthoroughstressteststoassesstheirresilienceunderadverseeconomicconditions.Thesemeasureshavecontributedtoamorestablefinancialsystem,buttheneedforongoingvigilanceremains."Question:Whathasbeenakeyoutcomeoftheglobalfinancialcrisis?A.IncreasedregulatoryoversightB.ReducedbankprofitabilityC.EnhancedcustomertrustD.Greatermarketcompetition答案及解析1.答案：B解析：文章提到數(shù)字銀行的主要挑戰(zhàn)是網(wǎng)絡(luò)安全問題，因此選項B最符合題意。2.答案：B解析：文章強調(diào)區(qū)塊鏈技術(shù)的主要優(yōu)勢是降低交易成本，因此選項B最符合題意。3.答案：B解析：新指南的主要目的是確保金融穩(wěn)定，因此選項B最符合題意。4.答案：B解析：使用大數(shù)據(jù)在銀行業(yè)的主要好處是提高客戶滿意度，因此選項B最符合題意。5.答案：A解析：全球金融危機的一個關(guān)鍵成果是增加了監(jiān)管監(jiān)督，因此選項A最符合題意。三、句子改錯（共5題，每題2分，共10分）題目1.Thebank'snewpolicyrequiresallemployeestocompleteamandatorytrainingprogramoncybersecuritybestpractices.-Identifytheerrorandcorrectit.2.Despitetheeconomicdownturn,thedemandforonlinebankingserviceshascontinuedtorisesteadily.-Identifytheerrorandcorrectit.3.Theimplementationofblockchaintechnologyinthebankingsectorhasthepotentialtosignificantlyimprovetransactionefficiencyandreducecosts.-Identifytheerrorandcorrectit.4.Duetothestrictregulatoryrequirements,manysmallbanksarefindingitchallengingtocomplywiththenewcapitaladequacystandards.-Identifytheerrorandcorrectit.5.Therecentmergeroftwomajorfinancialinstitutionshascreatedamorecompetitivelandscapeinthebankingindustry.-Identifytheerrorandcorrectit.答案及解析1.答案：Noerror.解析：句子結(jié)構(gòu)正確，沒有錯誤。2.答案："Despitetheeconomicdownturn,thedemandforonlinebankingserviceshascontinuedtorisesteadily."→"Despitetheeconomicdownturn,thedemandforonlinebankingserviceshascontinuedtorisesteadily."解析：句子結(jié)構(gòu)正確，沒有錯誤。3.答案：Noerror.解析：句子結(jié)構(gòu)正確，沒有錯誤。4.答案："Duetothestrictregulatoryrequirements,manysmallbanksarefindingitchallengingtocomplywiththenewcapitaladequacystandards."→"Duetothestrictregulatoryrequirements,manysmallbanksarefindingitchallengingtocomplywiththenewcapitaladequacystandards."解析：句子結(jié)構(gòu)正確，沒有錯誤。5.答案：Noerror.解析：句子結(jié)構(gòu)正確，沒有錯誤。四、完形填空（共5題，每題2分，共10分）題目"Financialinstitutionsmustadapttothechanginglandscapeoftechnologyandcustomerexpectations.Theintegrationofartificialintelligence(AI)intobankingoperationshas______1______significantimprovementsinservicedelivery.AI-poweredchatbots______2______customerswithinstantsupport,______3______theneedforhumanintervention.However,thesuccessfuladoptionofAIrequiresa______4______investmentininfrastructureanddatasecurity.Banksthatfailto______5______thesechallengesmayfallbehindinacompetitivemarket."1.A.brought2.A.assist3.A.minimize4.A.substantial5.A.address答案及解析1.答案：A解析："Brought"（帶來）最符合句意，表示人工智能的整合帶來了服務(wù)交付的顯著改進。2.答案：A解析："Assist"（協(xié)助）最符合句意，表示AI驅(qū)動的聊天機器人協(xié)助客戶獲得即時支持。3.答案：A解析："Minimize"（最小化）最符合句意，表示聊天機器人最小化人工干預(yù)的需求。4.答案：A解析："Substantial"（大量的）最符合句意，表示成功采用AI需要大量投資于基礎(chǔ)設(shè)施和數(shù)據(jù)安全。5.答案：A解析："Address"（應(yīng)對）最符合句意，表示未能應(yīng)對這些挑戰(zhàn)的銀行可能會在競爭市場中落后。五、翻譯（共5題，每題2分，共10分）題目1.TranslatethefollowingsentenceintoEnglish:"銀行業(yè)數(shù)字化轉(zhuǎn)型是提升競爭力的關(guān)鍵。"2.TranslatethefollowingsentenceintoEnglish:"新監(jiān)管框架旨在通過實施更嚴(yán)格的資本要求來維護金融穩(wěn)定。"3.