工商銀行達州市宣漢縣2025秋招筆試英文行測高頻題含答案一、選詞填空（共5題，每題2分）每題從備選詞中選出一個最符合語境的詞填空。1.Therapiddevelopmentofdigitalbankinghassignificantly__________thetraditionalfinancialindustry,requiringprofessionalswithstrongadaptabilityandinnovativethinking.A.transformedB.revolutionizedC.influencedD.modernized2.Toenhancecustomersatisfaction,thebankmust__________itsservicequalityandimprovetheefficiencyofitsoperations.A.optimizeB.diminishC.stabilizeD.deteriorate3.Thenewpolicyaimsto__________financialrisksbystrengtheningregulatoryoversightandimprovingtransparencyinthemarket.A.mitigateB.eliminateC.increaseD.ignore4.BanksinruralareaslikeXuanhanoftenfacechallengesin__________digitalfinancialservicesduetoinfrastructurelimitations.A.expandingB.reducingC.maintainingD.eliminating5.Thesuccessofabank'smarketingcampaigndependsheavilyonitsabilityto__________thetargetaudience'sneedsandpreferences.A.neglectB.analyzeC.ignoreD.misinterpret二、閱讀理解（共4題，每題3分）閱讀以下短文，回答問題。Passage:Theriseoffintechhasreshapedthebankingindustry,offeringbothopportunitiesandchallenges.Ononehand,digitalplatformshavemadefinancialservicesmoreaccessibletoruralandunderservedpopulations,particularlyinregionslikeXuanhan.Ontheotherhand,traditionalbanksmustadapttonewcompetitorsandtechnologicaladvancementstoremaincompetitive.TheChinesegovernmenthasintroducedpoliciestosupporttheintegrationoffintechwithtraditionalbanking,emphasizinginnovationandriskmanagement.Banksthatfailtokeeppacemaylosemarketsharetomoreagileplayers.6.Whatisthemainthemeofthepassage?A.Thenegativeimpactoffintechontraditionalbanking.B.Thegovernment'sroleinsupportingfintechdevelopment.C.Thechallengesandopportunitiesfintechpresentstobanks.D.Thedeclineofruralbankingduetodigitalization.7.Accordingtothepassage,whatadvantagedofintechplatformsoffer?A.Higherfeesforbankingservices.B.Limitedaccessibilityinruralareas.C.Improvedfinancialservicesforunderservedpopulations.D.Reducedcompetitioninthemarket.8.Whatdoesthepassagesuggestabouttraditionalbanks?A.Theyareinherentlysuperiortofintechcompanies.B.Theymustadapttotechnologicalchangestosurvive.C.Theyareexemptfromgovernmentregulations.D.Theyshouldfocussolelyonruralmarkets.9.Theword"agile"inthepassageisclosestinmeaningto:A.slowB.flexibleC.expensiveD.inefficient三、句子改錯（共5題，每題2分）以下句子中各有一處錯誤，指出并改正。10.Thebank'snewmobileappprovidesaconvenientwayforcustomerstotransferfundsbetweenaccountseasily.-Error:__________-Correction:__________11.Ifthecustomerdoesnotsigntheagreement,thebankmayrefusetoprocesstheloanapplication.-Error:__________-Correction:__________12.Thefinancialanalyst’sreporthighlightedseveralrisksthatcouldaffectthebank’sprofitabilityinthenextquarter.-Error:__________-Correction:__________13.Despitetheeconomicdownturn,thebankhasmanagedtomaintainitslendingvolumeatastablelevel.-Error:__________-Correction:__________14.Thecustomerserviceteamisresponsibleforaddressinganycomplaintsthattheclientshavewiththebank’sproducts.-Error:__________-Correction:__________四、完形填空（共5題，每題2分）閱讀以下短文，選擇最佳選項填空。ThebankingsectorinChinahasundergonesignificantchangesinrecentyears,drivenbytechnologicaladvancementsandregulatoryreforms.__________(15),theintegrationofartificialintelligence(AI)intobankingoperationshasrevolutionizedcustomerserviceandriskmanagement.Forinstance,AI-poweredchatbotscanhandleroutineinquiries,reducingtheworkloadonhumanagents.__________(16),banksmustensurethatAIsystemscomplywithdataprivacyregulationstoprotectcustomerinformation.Anotherkeytrendistheshifttowardgreenfinance,astheChinesegovernmentencouragessustainableeconomicdevelopment.__________(17),banksareincreasinglyfinancingrenewableenergyprojectsandsupportingenvironmentalinitiatives.Thisnotonlyalignswithnationalpoliciesbutalsoappealstosociallyconsciousconsumers.However,challengesremain.__________(18),ruralareasoftenlagbehindindigitalbankinginfrastructure,limitingaccesstofinancialservices.Toaddressthis,thegovernmenthaspromotedthedevelopmentoffinancialinclusionprograms.__________(19),banksarecollaboratingwithlocalgovernmentsandfintechcompaniestoexpandtheirreach.15.A.ForexampleB.HoweverC.AdditionallyD.Therefore16.A.MoreoverB.MeanwhileC.NeverthelessD.Thus17.A.ConsequentlyB.CurrentlyC.ThereforeD.Otherwise18.A.IncontrastB.DespitethisC.AsaresultD.Similarly19.A.CurrentlyB.MoreoverC.ThereforeD.Consequently五、翻譯填空（共5題，每題3分）將以下中文句子翻譯成英文，每空填一個詞。20.為了提升客戶體驗，工商銀行達州市宣漢縣分行計劃推出24小時智能客服系統。TheIndustrialandCommercialBankofChina,XuanhanBranch,planstolauncha______________________________toimprovecustomer__________.21.近年來，達州市的農村金融發(fā)展迅速，但傳統銀行的信貸服務仍存在不足。Inrecentyears,ruralfinancein____________________hasdevelopedrapidly,buttraditionalbanksstillface__________in______________________________.22.新的監(jiān)管政策要求銀行加強對高風險貸款的審查，以降低不良資產率。Thenewregulatorypolicyrequiresbanksto______________________________onhigh-riskloansto__________theratioofnon-performing__________.23.隨著數字貨幣的普及，央行數字貨幣（e-CNY）將可能改變人們的支付習慣。Withthe__________ofdigitalcurrencies,theCentralBankDigital__________(e-CNY)may__________people’s____________________.24.宣漢縣的經濟以農業(yè)為主，但近年來吸引了大量投資，促進了第二產業(yè)的發(fā)展。XuanhanCounty’seconomyisprimarily__________onagriculture,butinrecentyears,ithasattracted____________________,boostingthedevelopmentofthe____________________.答案與解析一、選詞填空1.B.revolutionized-解析：Digitalbankinghasbroughtamajortransformationtothetraditionalfinancialindustry,so"revolutionized"bestconveystheextentofthechange.2.A.optimize-解析：Thegoalistoimproveservicequalityandefficiency,so"optimize"(makethebest)fitsthecontext.3.A.mitigate-解析：Regulatorypoliciesaimtoreducefinancialrisks,noteliminatethementirely,so"mitigate"(reduce)isappropriate.4.A.expanding-解析：Ruralbanksneedtoincreasetheirservicecoverage,so"expand"(increase)isthecorrectverb.5.B.analyze-解析：Marketingsuccessdependsonunderstandingcustomerneeds,so"analyze"(study)isthebestchoice.二、閱讀理解6.C.Thechallengesandopportunitiesfintechpresentstobanks.-解析：Thepassagediscussesbothbenefits(accessibility)anddrawbacks(competition)offintechfortraditionalbanks.7.C.Improvedfinancialservicesforunderservedpopulations.-解析：Thetextmentionsfintechmakingservicesmoreaccessibletoruralandunderservedareas.8.B.Theymustadapttotechnologicalchangestosurvive.-解析："Banksthatfailtokeeppacemaylosemarketshare"impliestheneedforadaptation.9.B.flexible-解析："Agile"meansquicktochangeplansorideas,similarto"flexible."三、句子改錯10.-Error:"betweenaccountseasily"→"betweenaccounts"-Correction:Thebank'snewmobileappprovidesaconvenientwayforcustomerstotransferfunds__________accounts.-解析：Theword"easily"isredundantbecause"convenient"alreadyimpliesease.11.-Error:"doesnotsign"→"doesnotsign"(shouldbe"if"+subject)-Correction:Ifthecustomerdoesnotsigntheagreement,thebankmayrefusetoprocesstheloanapplication.-解析："If"shouldbefollowedbythebaseformoftheverb.12.-Error:"reporthighlighted"→"reporthighlights"-Correction:Thefinancialanalyst’sreporthighlightsseveralrisksthatcouldaffectthebank’sprofitabilityinthenextquarter.-解析："Highlights"(presenttense)ismoreappropriateforageneralstatementaboutthereport'scontent.13.-Error:"atastablelevel"→"atstablelevels"-Correction:Despitetheeconomicdownturn,thebankhasmanagedtomaintainitslendingvolumeatstablelevels.-解析:"Volume"isplural,so"levels"shouldbeplural.14.-Error:"thattheclientshave"→"thatclientshave"-Correction:Thecustomerserviceteamisresponsibleforaddressinganycomplaintsthatclientshavewiththebank’sproducts.-解析：Omitting"the"before"clients"avoidsredundancy.四、完形填空15.C.Additionally-解析：Introducesanothertrend(AI)withoutdisruptingtheflow.16.A.Moreover-解析："Moreover"(furthermore)fitsthecontrastbetweenAIbenefitsandregulatorychallenges.17.B.Currently-解析："Currently"(now)alignswiththecontextofgreenfinancebeingapresenttrend.18.A.Incontrast-解析："Incontrast"(differentfrom)highlightsthegapbetweenurbanandruraldigitalbanking.19.B.Moreover-解析："Moreover"(furthermore)addstotheideaofcollaboration.五、翻譯填空20.TheIndustrialandCommercialBankofChina,XuanhanBranch,planstolauncha24-hoursmartcustomerservicesystemtoimprovecustomerexperience.-解析：Keytermsinclude"24-hour"(24小時),"smart"(智能),"cust