交通銀行2025周口市筆試英文行測高頻題含答案第一部分：選詞填空（共5題，每題2分，總計10分）1.Therapiddevelopmentofdigitalbankinghassignificantly______thetraditionalfinancialindustry,requiringprofessionalstoadaptquicklytonewtechnologies.A.revolutionizedB.standardizedC.simplifiedD.stabilized2.Toimprovecustomersatisfaction,thebankshould______itsonlineserviceplatforms,ensuringseamlesstransactionsandreal-timesupport.A.optimizeB.minimizeC.eliminateD.postpone3.Theannualfinancialreporthighlightsthebank’s______inriskmanagement,particularlyincreditassessmentforsmallandmedium-sizedenterprises(SMEs).A.proficiencyB.negligenceC.inefficiencyD.ambiguity4.Despiteeconomicuncertainties,thebank’sprofitabilityremains______duetoitsdiversifiedinvestmentportfolioandprudentfiscalpolicies.A.volatileB.resilientC.predictableD.unsustainable5.Thenewmobilebankingappaimsto______userengagementbyintroducingpersonalizedfinancialrecommendationsandAI-poweredchatbots.A.diminishB.enhanceC.neglectD.disrupt第二部分：閱讀理解（共4題，每題3分，總計12分）Passage1Theglobalfinanciallandscapeisundergoingatransformativeshiftasartificialintelligence(AI)andbigdataanalyticsbecomeintegraltobankingoperations.Traditionalinstitutionsthatfailtoleveragethesetechnologiesrisklosingcompetitivenesstofintechstartups.AccordingtoareportbytheWorldEconomicForum,60%ofbanksworldwidehaveadoptedAI-drivensolutionstostreamlineprocesses,reduceoperationalcosts,andenhancedecision-making.However,challengessuchasdataprivacyconcernsandregulatorycomplianceremainsignificanthurdles.ThesuccessofAIinbankinghingesonitsabilitytobalanceinnovationwithethicalconsiderations.1.Whatistheprimaryfocusofthepassage?A.TheimpactofAIonglobalfinance.B.Theriseoffintechcompanies.C.Regulatorychallengesinbanking.D.Dataprivacyconcerns.2.Accordingtothepassage,whatisakeyadvantageofAIinbanking?A.Reducedprofitability.B.Enhanceddecision-making.C.Increasedoperationalcosts.D.Limitedscalability.3.Thephrase"transformativeshift"inthefirstsentenceisclosestinmeaningto:A.Agradualchange.B.Aradicalalteration.C.Atemporaryfluctuation.D.Aminoradjustment.4.Whatdoesthepassagesuggestaboutthefutureoftraditionalbanks?A.Theywilldominatethemarket.B.Theymustadapttonewtechnologies.C.Theywillphaseoutcompletely.D.TheywillfocussolelyonSMElending.Passage2Inrecentyears,theCentralBankofChinahasimplementedstrictercapitaladequacyrequirementsforcommercialbanks,aimingtostrengthenthefinancialsystem’sstability.Thesemeasuresincludehigherliquiditycoverageratios(LCRs)andenhancedstresstestingprotocols.Whilecriticsarguethatsuchregulationsmayconstrainlendinggrowth,proponentshighlighttheirroleinmitigatingsystemicrisks.ThePeople’sBankofChinaalsoencouragesbankstodiversifytheirrevenuestreamsbeyondinterestincomebyinvestinginwealthmanagementanddigitalassets.However,therapidgrowthofdigitalcurrenciesliketheCentralBankDigitalCurrency(e-CNY)presentsbothopportunitiesandchallengesfortraditionalbanks.5.Whatisthemainpurposeofthepassage?A.Todiscussthebenefitsofwealthmanagement.B.ToanalyzeChina’scapitaladequacyrequirements.C.Tocriticizethegrowthofdigitalcurrencies.D.Topromotetheadoptionofe-CNY.6.Accordingtothepassage,whatisaconcernraisedbycriticsofstricterregulations?A.Reducedcompetition.B.Lowerliquidity.C.Constrainedlendinggrowth.D.Increasedoperationalcosts.7.Thephrase"diversifytheirrevenuestreams"inthesecondparagraphrefersto:A.Increasinginterestrates.B.Expandingintonon-traditionalfinancialservices.C.Reducingcapitalrequirements.D.Outsourcingcorebankingoperations.8.Whatdoesthepassagesuggestabouttheroleofe-CNY?A.Itwillreplacealltraditionalcurrencies.B.Itposesathreattobanks’dominance.C.Itisonlyusefulforlargeenterprises.D.Itisunnecessaryforfinancialstability.第三部分：句子改錯（共5題，每題2分，總計10分）1.Thebank’sdigitaltransformationhasledtoimprovedcustomerservice,butitalsoincreasestheriskofcyberattacksanddatabreaches.2.Duetotheeconomicdownturn,manysmallbusinesseshavebeenfacingdifficultiesinsecuringloansfromcommercialbanks.3.Thefinancialregulatorhasimposednewrulestopreventbanksfromengaginginexcessiverisk-takingandtoprotectdepositors’funds.4.Despitethechallenges,thebank’smanagementteamremainsoptimisticaboutthefuturegrowthofitsdigitalbankinginitiatives.5.Theintroductionofblockchaintechnologyhasthepotentialtorevolutionizepaymentsystems,butitalsoraisesconcernsaboutregulatorycomplianceandconsumerprotection.第四部分：完形填空（共5題，每題2分，總計10分）ThebankingindustryinZhoukouhasbeenevolvingrapidlyinrecentyears,withbothstate-ownedandprivatebanksexpandingtheirmarketpresence.______(1),theincreasingadoptionofmobilebankingappsandonlinefinancialserviceshasreshapedcustomerexpectations.Tostaycompetitive,localbanksmust______(2)theirserviceofferingsandinvestindigitalinfrastructure.Additionally,theriseoffintechcompanieshas______(3)traditionalbankstoinnovateandcollaboratewithtechnologypartners.______(4),regulatorychallengesandeconomicuncertaintiesremainsignificantobstacles.BanksinZhoukoumustbalancegrowthwithriskmanagementtoensurelong-termsustainability.______(5),theintegrationofAIandbigdataanalyticscouldredefinethefutureofbankingintheregion.1.A.However2.A.enhance3.A.forced4.A.Meanwhile5.A.Thus答案與解析第一部分：選詞填空1.A.revolutionized-解析：Thecontextimpliesadrasticchangeinthefinancialindustryduetodigitalbanking,making"revolutionized"themostappropriatechoice.2.A.optimize-解析："Improvecustomersatisfaction"suggeststheneedforimprovement,and"optimize"alignswithenhancingserviceplatforms.3.A.proficiency-解析："Highlightsthebank’s______inriskmanagement"impliesstrongperformance,making"proficiency"thecorrectterm.4.B.resilient-解析："Despiteeconomicuncertainties"and"profitabilityremains"indicatestability,so"resilient"fitsbest.5.B.enhance-解析："Aimsto______userengagement"suggestsimprovement,making"enhance"therightchoice.第二部分：閱讀理解1.A.TheimpactofAIonglobalfinance.-解析：ThepassageprimarilydiscussesAI’sroleintransformingbanking.2.B.Enhanceddecision-making.-解析：ThetextexplicitlymentionsAI’sabilitytoimprovedecision-making.3.B.Aradicalalteration.-解析："Transformativeshift"meansasignificantchange,notminoradjustments.4.B.Theymustadapttonewtechnologies.-解析：ThepassagesuggeststraditionalbanksneedtoleverageAItoremaincompetitive.5.B.AnalyzeChina’scapitaladequacyrequirements.-解析：ThepassagefocusesonChina’sbankingregulations.6.C.Constrainedlendinggrowth.-解析：Criticsarguestricterregulationslimitlending,asstatedinthetext.7.B.Expandingintonon-traditionalfinancialservices.-解析："Diversifyrevenuestreams"referstoexpandingbeyondcorebanking.8.B.Itposesathreattobanks’dominance.-解析：Thepassageimpliese-CNYchallengestraditionalbankingdominance.第三部分：句子改錯1.Corrected:Thebank’sdigitaltransformationhasledtoimprovedcustomerservice,butitalsoincreasestheriskofcyberattacksanddatabreaches.-解析："Increases"shouldbesingulartomatch"it."2.Corrected:Duetotheeconomicdownturn,manysmallbusinesseshavebeenfacingdifficultiesinsecuringloansfromcommercialbanks.-解析:"Havebeenfacing"iscorrectforcontinuousaction.3.Corrected:Thefinancialregulatorhasimposednewrulestoprevent