建設(shè)銀行張家界市武陵源區(qū)2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）（注：以下題目結(jié)合銀行業(yè)務(wù)、張家界地域特色及日常辦公場(chǎng)景設(shè)計(jì)）1.Thebank'snewpolicyaimsto______customersbyreducingtransactionfeesandimprovingserviceefficiency.A.attractB.retainC.satisfyD.notify2.DuetotherecenttourismboominZhangjiajie,thelocalbranchneedsto______morestafftohandletheincreasedworkload.A.hireB.dismissC.trainD.relocate3.Ourcreditassessmentsystemisdesignedto______riskswhilemaximizingprofitability.A.mitigateB.ignoreC.exaggerateD.minimize4.Theloanofficeremphasizedtheimportanceof______documentationtoavoidanydelaysintheapprovalprocess.A.incompleteB.confidentialC.accurateD.outdated5.Asafinancialinstitution,wemustalwaysprioritize______overshort-termgains.A.sustainabilityB.speculationC.convenienceD.competition二、閱讀理解（共4題，每題3分，共12分）（注：文章主題圍繞銀行業(yè)數(shù)字化轉(zhuǎn)型、張家界經(jīng)濟(jì)發(fā)展及金融監(jiān)管）Passage1Therapidadvancementofdigitaltechnologyhastransformedthebankingindustry,makingonlineservicesthenormratherthantheexception.Forbanksintourist-heavyregionslikeZhangjiajie,whereseasonaldemandfluctuatessharply,digitalplatformsarecrucialformaintainingcustomerengagementduringlowseasons.However,thisshiftalsointroducesnewchallenges,suchasdatasecurityandregulatorycompliance.Assuch,banksmustinvestinrobustcybersecuritymeasurestoprotectsensitiveinformationwhileensuringcompliancewithlocalandnationalfinanciallaws.Questions:6.Whatistheprimarybenefitofdigitalbankingfortourist-dependentregions?A.ReducedoperationalcostsB.EnhancedcustomerreachC.FastertransactionspeedsD.Lowerregulatoryburdens7.Accordingtothepassage,whatisamajorconcernforbanksadoptingdigitalservices?A.DecreasedcustomersatisfactionB.HighersecurityrisksC.LimitedservicehoursD.Increasedcompetition8.HowcanbanksinZhangjiajieleveragedigitalplatformsduringoff-peakseasons?A.IncreasebranchhoursB.PromoteofflinepromotionsC.OffervirtualfinancialadviceD.Reducemarketingbudgets9.Whatdoesthepassagesuggestaboutthefutureofbankingintouristareas?A.AreturntotraditionalbankingmodelsB.GreaterrelianceondigitalsolutionsC.EliminationofphysicalbranchesD.FocussolelyonsmallbusinessesPassage2Zhangjiajie,renownedforitsbreathtakingnaturallandscapes,hasseenasurgeintourismrevenueinrecentyears.However,thisgrowthhasalsoputpressureonlocalinfrastructure,includingbankingservices.Toaddressthis,thePeople'sBankofChinahasencouragedcommercialbankstodevelopcustomizedfinancialproductsfortourists,suchasshort-termtravelloansandmobilepaymentpromotions.Theseinitiativesnotonlyimproveconvenienceforvisitorsbutalsoboostthelocaleconomy.Moreover,banksarecollaboratingwithtourismauthoritiestocreateloyaltyprogramsthatrewardfrequenttravelers,furtherstrengtheningcustomerties.Questions:10.WhatisthemainpurposeofthePeople'sBankofChina’sinitiative?A.ToreducebankoperatingcostsB.TopromotefinancialinclusionC.TostimulatetourismthroughbankingsupportD.Toregulateforeigntourists’spending11.Howdomobilepaymentpromotionsbenefittourists?A.TheyofferdiscountsatlocalstoresB.TheyprovidecashlesstransactionoptionsC.TheyreducebankingfeesD.Theyincreasecreditlimits12.WhatstrategyarebanksusingtoenhancecustomerretentioninZhangjiajie?A.OfferinghigherinterestratesB.ExpandingbranchnetworksC.LaunchingloyaltyprogramsD.Reducingloanapprovaltimes13.WhatdoesthepassageindicateaboutthefutureofbankinginZhangjiajie?A.AshifttowardruralbankingB.GreaterintegrationwithtourismC.DecreasedfocusondigitalservicesD.Increasedrelianceontraditionalloans三、完形填空（共5題，每題2分，共10分）（注：段落主題涉及銀行業(yè)職業(yè)道德、客戶(hù)服務(wù)及張家界地方經(jīng)濟(jì)發(fā)展）Thebankingsectorplaysapivotalroleinfosteringeconomicgrowth,especiallyinregionslikeZhangjiajie,wheretourismandsmallbusinessesdrivethelocaleconomy.Asafinancialprofessional,itisessentialtoupholdthehigheststandardsof______(14)whilemaintainingexcellentcustomerservice.Forinstance,whenasmallbusinessownerinZhangjiajieappliesforaloan,theloanofficermustassesstheircreditworthiness______(15)withoutbias.Additionally,banksshouldprovidefinancialliteracyprogramstohelplocalentrepreneursmakeinformeddecisions.Bydoingso,theynotonlysupportindividualbusinessesbutalsocontributetotheoveralleconomicdevelopmentoftheregion.14.A.integrityB.efficiencyC.flexibilityD.profitability15.A.hastilyB.thoroughlyC.secretlyD.reluctantly16.Thebank’ssuccessdependsonitsabilitytoadapttochangingmarket______(16).Forexample,theriseofmobilebankinghasforcedtraditionalbankstoinvestindigitalinfrastructuretoremaincompetitive.InZhangjiajie,wheretouristdemandisseasonal,thisadaptabilityisevenmorecritical.Banksmustensurethattheirservicesareaccessibleyear-round,whetherthroughonlineplatformsormobileapps.17.Anotherkeyaspectofbankingintouristareasistheneedto______(17)localculturalnorms.Forinstance,offeringmultilingualservicescanimprovetheexperienceforinternationaltourists,whiletailoringfinancialproductstotheregion’seconomicstructurecanbettermeettheneedsofsmallbusinesses.18.Banksshouldalsoprioritize______(18)tobuildtrustwithcustomers.InZhangjiajie,wheremanyresidentsrelyonmicroloanstostartorexpandtheirbusinesses,transparencyinlendingpracticesiscrucial.Thisincludesclearcommunicationaboutinterestrates,repaymentterms,andpotentialpenalties.19.Finally,thebankingindustrymustaddressthechallengeof______(19)betweentechnologicalinnovationandethicalconsiderations.Whiledigitalbankingoffersconvenience,italsoraisesconcernsaboutdataprivacyandsecurity.Therefore,banksmuststrikeabalancebetweenefficiencyandresponsibility.20.Inconclusion,thebankingsectorinZhangjiajiehasauniqueopportunityto______(20)thelocaleconomythroughstrategicfinancialsolutions.Byfocusingoncustomerneeds,regulatorycompliance,andtechnologicaladvancement,bankscanplayavitalroleintheregion’ssustainablegrowth.四、翻譯填空（共5題，每題2分，共10分）（注：翻譯內(nèi)容涉及銀行業(yè)務(wù)流程、張家界地方政策及金融監(jiān)管要求）1.Toensurecompliancewithlocalfinancialregulations,allloanapplicationsmustundergo______(21)beforeapproval.中文參考句：為了確保符合當(dāng)?shù)亟鹑诜ㄒ?guī)，所有貸款申請(qǐng)?jiān)谂鷾?zhǔn)前必須經(jīng)過(guò)嚴(yán)格審查。2.Thebank’smobileappallowscustomersto______(22)theiraccountsinreal-time,enhancingtransparencyandconvenience.中文參考句：銀行的手機(jī)應(yīng)用程序允許客戶(hù)實(shí)時(shí)查看其賬戶(hù)余額，提高了透明度和便利性。3.Asaresponsiblefinancialinstitution,wearecommittedto______(23)financialinclusionforunderservedcommunitiesinZhangjiajie.中文參考句：作為一家負(fù)責(zé)任的金融機(jī)構(gòu)，我們致力于為張家界服務(wù)不足的社區(qū)提供普惠金融。4.Thebranchmanageremphasizedtheimportanceof______(24)customerfeedbacktoimproveservicequality.中文參考句：分行經(jīng)理強(qiáng)調(diào)了收集客戶(hù)反饋以提升服務(wù)質(zhì)量的重要性。5.Thenewanti-moneylaunderingpolicyrequiresbanksto______(25)suspicioustransactionsimmediately.中文參考句：新的反洗錢(qián)政策要求銀行立即舉報(bào)可疑交易。五、改錯(cuò)題（共5題，每題2分，共10分）（注：題目涉及銀行業(yè)務(wù)英語(yǔ)表達(dá)、張家界地方經(jīng)濟(jì)術(shù)語(yǔ)及金融監(jiān)管用語(yǔ)）1.Thebankofferslow-interestloansforsmallandmedium-sizedenterprisesinZhangjiajie.→Correct:Thebankofferslow-interestloanstosmallandmedium-sizedenterprisesinZhangjiajie.Explanation:"to"ismoreappropriatethan"for"whenreferringtoloansprovidedtobusinesses.2.TouristsvisitingZhangjiajiecanuseourmobilebankingapptotransfermoneywithoutanyfees.→Correct:TouristsvisitingZhangjiajiecanuseourmobilebankingapptotransfermoneywithoutincurringanyfees.Explanation:"incurring"ismoregrammaticallycorrectthan"any"inthiscontext.3.Thecreditassessmentsystemevaluatesapplicantsbasedontheirincome,debt,andcredithistory.→Correct:Thecreditassessmentsystemevaluatesapplicantsbasedontheirincome,debt,andcredithistory.Explanation:Thesentenceisgrammaticallycorrect.4.Banksintouristareasshouldfocusonexpandingtheirphysicalbranchestoservemorecustomers.→Correct:Banksintouristareasshouldfocusonexpandingtheirdigitalpresencetoservemorecustomers.Explanation:"Digitalpresence"ismorerelevanttomodernbankingthanphysicalbranches.5.Thebank’scomplianceteamensuresthatalltransactionsadheretoanti-moneylaunderingregulations.→Correct:Thebank’scomplianceteamensuresthatalltransactionscomplywithanti-moneylaunderingregulations.Explanation:"Complywith"ismorestandardthan"adhereto"inthiscontext.答案與解析一、選詞填空1.A.attractExplanation:Thebankaimstoattractcustomersbyofferingbenefitslikereducedfees.2.A.hireExplanation:Thebranchneedstohiremorestaffduetoincreasedtourismdemand.3.A.mitigateExplanation:Thecreditsystemreducesriskswhilemaximizingprofits.4.C.accurateExplanation:Accuratedocumentationavoidsdelaysinloanapproval.5.A.sustainabilityExplanation:Banksprioritizelong-termstabilityovershort-termgains.二、閱讀理解6.B.EnhancedcustomerreachExplanation:Digitalbankingallowsbankstoservemorecustomers,especiallyintouristareas.7.B.HighersecurityrisksExplanation:Digital