工商銀行固原市原州區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）題目：閱讀以下短文，從每題所給的四個選項中，選擇最合適的詞填入空格，使文章意思完整、通順。ThebankingsectorintheautonomousregionofYuanzhouhasbeen(1)byrapideconomicdevelopment.Asthelargeststate-ownedcommercialbank,ICBCplaysacrucialroleinsupportinglocalbusinesses.However,challengessuchascreditriskmanagementandserviceinnovationremain(2).Toaddresstheseissues,thebankhasbeeninvestingheavilyindigitaltransformation.Byleveragingbigdataandartificialintelligence,ICBCaimsto(3)moreefficientandpersonalizedfinancialservicesforsmallandmedium-sizedenterprises(SMEs)intheregion.Despitethe(4),thebank’seffortshavealreadyyieldedpositiveresults.Forexample,theintroductionofmobilebankingappshas(5)asignificantincreaseincustomersatisfaction.Moreover,ICBChasbeenactively(6)withlocalgovernmentstopromotefinancialinclusioninruralareas.This(7)includesprovidingmicroloanstofarmersandsupportingthedevelopmentofagriculturalcooperatives.However,the(8)oftheseinitiativesdependsonthebank’sabilitytomaintainabalancebetweenprofitabilityandsocialresponsibility.IfICBCcan(9)thesechallenges,itwillbebetterpositionedto(10)itsleadershipinthelocalbankingmarket.選項：1.A.strengthenedB.weakenedC.influencedD.stabilized2.A.outstandingB.unresolvedC.unaddressedD.recognized3.A.deliverB.developC.designD.deploy4.A.difficultiesB.opportunitiesC.obstaclesD.advancements5.A.causedB.ledC.resultedD.contributed6.A.collaboratingB.competingC.criticizingD.cooperating7.A.programB.projectC.policyD.proposal8.A.successB.failureC.impactD.sustainability9.A.overcomeB.ignoreC.neglectD.embrace10.A.maintainB.expandC.reduceD.limit二、閱讀理解（共5題，每題2分）題目：閱讀以下文章，然后回答問題。TheRiseofDigitalBankinginWesternChinaThebankingindustryinwesternChinahasundergonesignificantchangesinrecentyears,largelydrivenbytechnologicaladvancements.Traditionalbankingmodels,whichreliedheavilyonphysicalbranches,arebeingreplacedbydigital-firststrategies.ThisshifthasbeenparticularlyevidentinregionslikeYuanzhou,whereinternetpenetrationhasrapidlyincreased.Oneofthekeydriversofthistransformationisthegrowingdemandforconvenienceamongconsumers.Customersnowexpectbankstooffer24/7services,seamlessmobiletransactions,andreal-timefinancialadvice.Tomeettheseexpectations,ICBCandothermajorbankshavebeeninvestingindigitalplatforms.Theseplatformsnotonlyallowcustomerstotransfermoneyandpaybillsbutalsoprovidepersonalizedfinancialmanagementtools.However,digitalbankingisnotwithoutchallenges.Cybersecurityrisks,regulatorycompliance,andthedigitaldivideremainsignificanthurdles.Forinstance,manyelderlypeopleinruralareasstillpreferface-to-faceinteractionsandstruggletousesmartphones.Banksmustthereforeadoptabalancedapproach,ensuringthattheirdigitalinitiativescomplementtraditionalservices.Anothercriticalaspectistheintegrationofbigdataandartificialintelligence.Byanalyzingcustomerbehavior,bankscanidentifytrendsandoffertailoredproducts.Forexample,ICBChaslaunchedacreditscoringsystemforSMEsinYuanzhou,whichhelpsbusinessesaccessloansmorequickly.Thisinnovationhasbeenparticularlybeneficialforstartupsandentrepreneursintheregion.Despitethesechallenges,thefutureofdigitalbankinginwesternChinalookspromising.Astechnologycontinuestoevolve,bankswillbeabletoprovideevenmoresophisticatedanduser-friendlyservices.Thiswillnotonlyimprovecustomersatisfactionbutalsostrengthentheregion’seconomiccompetitiveness.問題：1.WhatisthemainreasonfortheshifttodigitalbankinginwesternChina?A.GovernmentregulationsB.TechnologicaladvancementsC.DecreasedphysicalbranchusageD.Increasedcustomerdemand2.Accordingtothepassage,whatproblemdoelderlypeopleinruralareasfacewithdigitalbanking?A.LimitedinternetaccessB.DifficultyusingsmartphonesC.LackoffinancialknowledgeD.Hightransactionfees3.HowhasICBChelpedSMEsinYuanzhou?A.ByofferingdiscountloansB.ByprovidingcreditscoringsystemsC.ByincreasingbranchlocationsD.Bylaunchingmobilebankingapps4.Whatdoesthepassagesuggestaboutthefutureofdigitalbanking?A.Itwillbecomelesspopularduetochallenges.B.Itwillfocusmoreontraditionalbankingmodels.C.Itwillcontinuetoevolvewithtechnology.D.Itwillprimarilyserveurbanareas.5.Whatistheoveralltoneofthepassage?A.CriticalB.OptimisticC.NeutralD.Skeptical三、完形填空（共10題，每題1分）題目：閱讀以下短文，從每題所給的四個選項中，選擇最合適的詞填入空格。FinancialInclusioninRuralYuanzhouInrecentyears,financialinclusionhasbecomea(1)priorityforpolicymakersinYuanzhou.Theregion,withitsvastruralareas,facesuniquechallengesinprovidingaccesstobankingservices.Manyfarmersandruralentrepreneurslackthe(2)toopentraditionalbankaccountsduetodistance,lackofidentificationdocuments,orinsufficientincome.Toaddressthisissue,theChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasencouragedbankstoexploreinnovativesolutions.Onesuchsolutionistheuseofmobilebankingvans,whichcanreachremotevillagesandofferbasicbankingserviceson-site.ThesevansareequippedwithATMs,fingerprintscanners,anddigitalidentityverificationtools,makingiteasierforruralresidentstoaccessfinancialservices.Another(3)approachisthecollaborationbetweenbanksandlocalagriculturalcooperatives.Bypartneringwithcooperatives,bankscanextendtheirreachtofarmerswhomaynothavedirectaccesstobankinginfrastructure.Forexample,ICBChaslaunchedaprogramthatallowsfarmerstodeposittheirharvestsatcooperatives,whichthenfacilitatethetransferoffundstotheirbankaccounts.However,theseinitiativesarenotwithout(4).Thehighcostofdeployingmobilebankingvansandtheneedforextensivetrainingforruralstaffposesignificantlogisticalchallenges.Additionally,thereareconcernsaboutdataprivacyandsecuritywhenhandlingsensitivefinancialinformationinremoteareas.Despitethesehurdles,theprogressmadeinfinancialinclusioninYuanzhouis(5).Theuseoftechnologyhasnotonlyimprovedaccesstobankingservicesbutalsoempoweredruralcommunitiestomanagetheirfinancesmoreeffectively.Astheregioncontinuestodevelop,itisexpectedthatmoreinnovativesolutionswillemerge,further(6)thegapbetweenurbanandruralfinancialservices.Banksmustalsofocuson(7)financialliteracyamongruralpopulations.Manyfarmersareunfamiliarwithdigitalbankingtoolsandmaybehesitanttoadoptnewtechnologies.Byprovidingtrainingandeducationalprograms,bankscanhelpbridgethisknowledgegap.Inthelongterm,thesuccessoffinancialinclusioninYuanzhouwilldependon(8)betweenthegovernment,banks,andruralcommunities.Onlybyworkingtogethercantheregionachievesustainablefinancialdevelopment.The(9)offinancialinclusionnotonlybenefitsindividualfarmersandentrepreneursbutalsocontributestotheoveralleconomicgrowthoftheregion.Amoreinclusivefinancialsystemcanstimulateinvestment,createjobs,andimprovelivingstandards.Ultimately,thejourneytowardfinancialinclusioninYuanzhouisa(10)one.Itrequirespatience,innovation,andacommitmenttoservingtheneedsofallcommunitymembers.選項：1.A.growingB.decliningC.secondaryD.marginal2.A.meansB.accessC.resourcesD.awareness3.A.creativeB.traditionalC.experimentalD.standard4.A.limitationsB.opportunitiesC.benefitsD.advantages5.A.noticeableB.negligibleC.minimalD.gradual6.A.narrowingB.wideningC.expandingD.shrinking7.A.promotingB.ignoringC.reducingD.eliminating8.A.coordinationB.conflictC.separationD.competition9.A.implementationB.failureC.neglectD.delay10.A.simpleB.complexC.linearD.straightforward四、翻譯填空（共5題，每題2分）題目：將以下句子翻譯成英文，填寫空格。1.為支持小微企業(yè)的發(fā)展，工商銀行原州區(qū)分行推出了專項貸款計劃。TheBankofIndustryandCommerceinYuanzhouhaslauncheda(1)to(2)thegrowthofsmallandmedium-sizedenterprises.2.通過數(shù)字化轉型，銀行能夠更好地滿足客戶日益增長的個性化需求。By(3)digitaltransformation,bankscanbetter(4)the(5)personalizedneedsofcustomers.3.政府鼓勵金融機構在農村地區(qū)開展普惠金融業(yè)務，以縮小城鄉(xiāng)差距。Thegovernment(6)financialinstitutionsto(7)inclusivebankingservicesinruralareasto(8)theurban-ruralgap.4.人工智能在風險控制方面的應用有助于提高銀行的運營效率。Theapplicationofartificialintelligencein(9)controlhelps(10)theoperationalefficiencyofbanks.5.商業(yè)銀行在履行社會責任的同時，也需要確保自身的盈利能力。Commercialbanksmust(11)their(12)while(13)theirsocialresponsibilities.五、改錯題（共5題，每題2分）題目：以下句子中各有一處錯誤，請指出并改正。1.Thebankhasbeeninvestingindigitalbankingsystemtoimprovecustomerexperience.Error:______;Correction:______.2.Althoughthedemandforonlinebankingisincreasing,manyelderlypeoplestillprefertousetraditionalbankingservices.Error:______;Correction:______.3.Byleveragingbigdataandartificialintelligence,bankscanoffermoreefficientandcustomizedfinancialproductsforSMEs.Error:______;Correction:______.4.Theintroductionofmobilebankingappshasledtoasignificantdeclinedincustomersatisfaction.Error:______;Correction:______.5.Topromotefinancialinclusion,thebankhasbeencollaboratingwithlocalgovernmentsandnon-profitorganizations.Error:______;Correction:______.答案及解析一、選詞填空答案1.A(strengthened)2.B(unresolved)3.A(deliver)4.C(obstacles)5.B(led)6.A(collaborating)7.B(project)8.D(sustainability)9.A(overcome)10.B(expand)解析：1."strengthened"最符合語境，表示銀行業(yè)因經(jīng)濟發(fā)展而得到加強。4."obstacles"指挑戰(zhàn)或障礙，符合銀行業(yè)面臨的困難。10."expand"表示擴大業(yè)務范圍，符合銀行的發(fā)展目標。二、閱讀理解答案1.D(increasedcustomerdemand)2.B(Difficultyusingsmartphones)3.B(providingcreditscoringsystems)4.C(itwillcontinuetoevolvewithtechnology)5.B(optimistic)解析：3.文中明確提到ICBC為SMEs推出信用評分系統(tǒng)。5.文章整體積極，強調數(shù)字銀行的未來前景。三、完形填空答案1.A(growing)2.B(access)3.A(creative)4.A(limitati