工商銀行商洛市鎮(zhèn)安縣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）題目：閱讀以下句子，從括號(hào)中選擇最合適的單詞填空。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialindustry,forcingmanyinstitutionstoadaptorfaceobsolescence.A.revolutionizedB.standardizedC.marginalizedD.optimized2.InthecontextofChina'sruralfinancialmarket,the______roleofcommercialbanksinsupportingsmallbusinessescannotbeoverstated.A.negligibleB.pivotalC.redundantD.peripheral3.Thenewregulatoryframeworkaimsto______financialrisksbystrengtheningoversightofonlinelendingplatforms.A.mitigateB.amplifyC.rationalizeD.commercialize4.ManycustomersinZhen'anCountystillprefertousecashfordailytransactionsdueto______infrastructure.A.inadequateB.redundantC.sophisticatedD.volatile5.Thebank'ssustainabilitystrategyincludesreducingitscarbonfootprintthrough______energy-efficienttechnologies.A.adoptingB.neglectingC.delegatingD.minimizing二、閱讀理解（共4題，每題3分，共12分）題目：閱讀以下短文，回答問(wèn)題。Passage:TheriseofmobilebankinghastransformedhowruralChinesecitizensaccessfinancialservices.InZhen'anCounty,aregionwithlimitedbankinginfrastructure,mobileappshavebecomealifelineforsmallmerchantsandfarmers.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,over80%ofruralhouseholdsnowusedigitalbankingtoolsforpaymentsandsavings.However,challengesremain,suchasdigitalliteracygapsandcybersecurityconcerns.CommercialbankslikeICBChavelaunchedvillage-levelfinancialadvisorstobridgethisgap,offeringon-sitetrainingandsupport.Despitetheseefforts,thedigitaldividepersistsinremoteareas,highlightingtheneedformoreinclusivefinancialpolicies.1.WhatistheprimarybenefitofmobilebankinginruralChina?A.ReducedtransactionfeesB.ImprovedaccesstofinancialservicesC.EnhancedcreditscoringD.Greaterinvestmentopportunities2.Accordingtothepassage,whatisamajorchallengetodigitalbankingadoptioninZhen'anCounty?A.HighinfrastructurecostsB.CybersecurityrisksC.InsufficientgovernmentsupportD.Lowcustomerdemand3.Howarecommercialbanksaddressingthedigitalliteracyissue?A.ByofferingonlinetutorialsonlyB.Throughvillage-levelfinancialadvisorsC.ByincreasingbranchlocationsD.Byprovidingfreesmartphones4.Whatdoesthepassagesuggestaboutthefutureofruralfinance?A.ItwillbecomefullydigitalwithinfiveyearsB.ItwillrelymoreontraditionalbankingmethodsC.ItneedsmoreinclusivepoliciesD.Itwillfocussolelyonlarge-scaleagriculture三、語(yǔ)法填空（共5題，每題2分，共10分）題目：根據(jù)句子意思，用括號(hào)中動(dòng)詞的適當(dāng)形式填空。1.WiththeintegrationofAI,modernbankingsystemscan______(analyze)customerdatainreal-timetodetectfraudmoreefficiently.2.SmallbusinessesinZhen'anCountyoften______(struggle)withlimitedaccesstocreditduetostrictlendingcriteria.3.Thebank’smobileappallowsusersto______(transfer)fundsbetweenaccountswithoutvisitingaphysicalbranch.4.Tocomplywithnewregulations,financialinstitutionsmust______(ensure)thatalltransactionsaretraceable.5.Ifyou______(lose)yourdebitcard,youshouldcontactthebankimmediatelytoreportit.四、完形填空（共5題，每題2分，共10分）題目：閱讀以下短文，選擇最佳選項(xiàng)填空。Lastyear,ICBClaunchedapilotprograminZhen'anCountytopromotegreenfinance.Theinitiativeencouragesfarmerstoadopteco-friendlyfarmingtechniquesbyofferinglow-interestloans.Solar-poweredirrigationsystemsandorganicfertilizersareamongthesupportedprojects.Accordingtolocalreports,participatingfarmershaveseena15%increaseincropyieldswhilereducingwaterconsumption.Theprogram’ssuccesshaspromptedthebanktoexpandittootherruralareas.ExpertsbelievethatsuchinitiativesnotonlyboostagriculturalproductivitybutalsoalignwithChina’scarbonneutralitygoals.1.A.initiativeB.policyC.projectD.regulation2.A.adoptB.abandonC.adoptD.utilize3.A.incentivesB.penaltiesC.costsD.requirements4.A.achievedB.observedC.implementedD.proposed5.A.initiativesB.projectsC.strategiesD.goals五、翻譯（共4題，每題3分，共12分）題目：將以下中文句子翻譯成英文。1.隨著金融科技的進(jìn)步，銀行服務(wù)正在變得越來(lái)越便捷。2.中國(guó)農(nóng)村地區(qū)的普惠金融政策需要進(jìn)一步完善。3.為了應(yīng)對(duì)氣候變化，商業(yè)銀行應(yīng)加大對(duì)綠色信貸的支持力度。4.商洛市鎮(zhèn)安縣的許多小微企業(yè)主仍面臨融資難的問(wèn)題。六、句子改錯(cuò)（共4題，每題3分，共12分）題目：以下句子中各有一處錯(cuò)誤，請(qǐng)指出并改正。1.Thenewmobilebankingappismoreuser-friendlythantraditionalonlineplatforms.→錯(cuò)誤：________改為：________2.Despitethehighinterestrates,smallbusinessescontinuetoborrowfromcommercialbanks.→錯(cuò)誤：________改為：________3.FarmersinZhen'anCountyhavebeenbenefitingfromthebank’ssubsidyprogramsforyears.→錯(cuò)誤：________改為：________4.Ifyouloseyourcreditcard,youshouldcontactthebankassoonaspossible.→錯(cuò)誤：________改為：________答案與解析一、選詞填空1.A.revolutionized→數(shù)字銀行的發(fā)展徹底改變了傳統(tǒng)金融業(yè)。2.B.pivotal→在中國(guó)農(nóng)村金融市場(chǎng)，商業(yè)銀行在支持中小企業(yè)中發(fā)揮著關(guān)鍵作用。3.A.mitigate→新的監(jiān)管框架旨在通過(guò)加強(qiáng)對(duì)網(wǎng)絡(luò)借貸平臺(tái)的監(jiān)管來(lái)降低金融風(fēng)險(xiǎn)。4.A.inadequate→由于基礎(chǔ)設(shè)施不足，許多鎮(zhèn)安縣的客戶(hù)仍然傾向于使用現(xiàn)金進(jìn)行日常交易。5.A.adopting→銀行的可持續(xù)發(fā)展戰(zhàn)略包括通過(guò)采用節(jié)能技術(shù)來(lái)減少碳排放。二、閱讀理解1.B→改善了金融服務(wù)的可及性。2.B→網(wǎng)絡(luò)安全問(wèn)題。3.B→通過(guò)村級(jí)金融顧問(wèn)。4.C→需要更包容的政策。三、語(yǔ)法填空1.analyzes→分析。2.struggle→困難。3.transfer→轉(zhuǎn)賬。4.ensure→確保。5.lose→丟失。四、完形填空1.initiative→計(jì)劃。2.adopt→采用。3.incentives→激勵(lì)措施。4.achieved→實(shí)現(xiàn)。5.goals→目標(biāo)。五、翻譯1.Withtheadvancementoffintech,bankingservicesarebecomingincreasinglyconvenient.2.China’sinclusivefinancialpoliciesinruralareasneedfurtherimprovement.3.Tocombatclimatechange,commercialbanksshouldstrengthensupportforgreencredit.4.Man