建設(shè)銀行遵義市桐梓縣2025秋招筆試英語題專練及答案一、單選題（共15題，每題1分）說明：以下題目涵蓋語法、詞匯、日常交流及金融相關(guān)內(nèi)容，結(jié)合遵義及桐梓縣地域特色和銀行業(yè)務(wù)場景設(shè)問。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalbankingmodelinmanyways.A.transformedB.replacedC.improvedD.simplified2.Ifacustomerwantstoopenasavingsaccountinabank,theyshouldbring______identificationdocuments.A.twopiecesofB.severalkindsofC.atleastonesetofD.anyvalidformsof3.In遵義,thelocalgovernmentencouragesbankstosupportsmallbusinessesbyoffering______interestrates.A.competitiveB.fixedC.flexibleD.high4.Theterm"loan-to-valueratio"ismostcommonlyusedinthecontextof______.A.creditcardfraudB.mortgagelendingC.currencyexchangeD.mobilebanking5.Banksin桐梓縣oftenconductfinancialliteracyworkshopstohelpresidentsunderstand______.A.stockmarketinvestmentsB.cryptocurrencytradingC.savingsandloansD.foreigncurrencymanagement6.Whenfillingoutaloanapplication,itisimportantto______accurateinformation.A.provideB.estimateC.guessD.omit7.TheChinesephrase"誠信為本"inbankingmeans______.A."Fastmoneyfirst"B."Trustworthinessisthefoundation"C."Higherinterest,higherrisk"D."Digitalbankingisbest"8.Whichofthefollowingisacommonriskforbanksinruralareaslike桐梓?A.CybersecuritythreatsB.HighcreditdemandC.LowliquidityD.Regulatorycompliance9.The遵義市桐梓縣銀行branchinKailitypicallyopensat______.A.8:00AMandclosesat5:00PMB.9:00AMandclosesat7:00PMC.7:00AMandclosesat4:00PMD.8:30AMandclosesat6:30PM10.IfacustomerforgetstheirATMcard,thebankwill______toverifytheiridentitybeforeissuingareplacement.A.askforaphonecallB.requireapassportcopyC.requestaselfieD.askfortheirbirthdate11.Theword"reputation"inbankingrefersto______.A.thebank'sfinancialperformanceB.thepublic'strustinthebankC.thenumberofbranchesD.thebank'sprofitmargin12.Inthecontextof桐梓縣'sagriculture-basedeconomy,banksoftenprovide______loans.A.educationB.realestateC.agriculturalD.automotive13.Thephrase"duediligence"inbankingmeans______.A.completingpaperworkquicklyB.thoroughresearchbeforemakingafinancialdecisionC.minimizingbankfeesD.investinginhigh-riskassets14.Ifacustomerdepositsmoneyinafixed-termsavingsaccount,theymustwait______towithdrawit.A.onemonthB.threemonthsC.sixmonthsD.oneyear15.The遵義市桐梓縣銀行'smobileappallowsusersto______.A.onlytransfermoneyB.onlyapplyforloansC.checkbalancesandpaybillsD.onlyinvestinstocks二、閱讀理解（共5題，每題2分）說明：以下文章選自銀行業(yè)務(wù)及地方經(jīng)濟(jì)發(fā)展相關(guān)內(nèi)容，考察考生信息提取和邏輯推理能力。Passage1Theeconomiclandscapeof遵義市桐梓縣hasbeenevolvingrapidlyinrecentyears.Withthegrowthofdigitalbanking,traditionalbranchesinruralareasareadaptingtomeetcustomerneeds.Thelocalgovernmenthasbeenpushingforfinancialinclusion,encouragingbankstoexpandtheirservicestounderservedcommunities.Forinstance,the建設(shè)銀行桐梓縣分行hasintroducedmobilebankingsolutionstailoredtotheagriculturalsector,allowingfarmerstoaccesscreditandmanagetheirfinancesmoreefficiently.Despitetheseadvancements,challengessuchasinternetconnectivityissuesinremoteareasremain.Banksarenowexperimentingwithofflinebankingmodels,suchaspop-upcreditcenters,tobridgethisgap.Questions:1.Whatisthemainfocusofthelocalgovernment'sfinancialinclusioneffortsin桐梓?A.IncreasingbankfeesB.ExpandingdigitalbankingservicesC.PromotingrealestateloansD.Reducingcreditcardusage2.Howarebanksadaptingtointernetconnectivitychallengesinrural桐梓?A.ByclosingbranchesB.ByintroducingofflinebankingmodelsC.ByfocusingonlyonurbanareasD.Byencouragingcashtransactions3.Whichbankin桐梓hasintroducedmobilebankingsolutionsforfarmers?A.工商銀行B.建設(shè)銀行C.農(nóng)業(yè)銀行D.中國銀行Passage2Theloan-to-value(LTV)ratioisacriticalmetricinmortgagelending.Itdetermineshowmuchaborrowercanfinancecomparedtotheproperty'svalue.Forexample,ifapropertyisvaluedat1millionRMBandtheLTVratiois80%,theborrowercanborrowupto800,000RMB.In遵義市桐梓縣,whererealestatepricesarerelativelylowerthaninmajorcities,banksoftenofferhigherLTVratiostoattracthomebuyers.However,thisalsoincreasesthebank'sriskofdefault.Therefore,lendersmustcarefullyassesstheborrower'screditworthinessbeforeapprovingamortgage.Questions:4.WhatdoestheLTVratiomeasureinmortgagelending?A.Theborrower'sincomeB.Theproperty'sappreciationrateC.TheloanamountrelativetopropertyvalueD.Theinterestrate5.Whymightbanksin桐梓offerhigherLTVratios?A.ToreducecompetitionB.TolowertheirriskexposureC.DuetolowerrealestatepricesD.Toencouragecashtransactions三、完形填空（共10題，每題1分）說明：以下段落講述銀行業(yè)務(wù)及地方經(jīng)濟(jì)發(fā)展，空格處需填入最合適的單詞。Thegrowthofdigitalbankinghasrevolutionizedthefinancialindustry,especiallyinruralareaslike桐梓.Manybanksnowoffermobileappsthatallowcustomersto______1______theiraccounts,transfermoney,andpaybillsanytime,anywhere.However,notallresidentshaveaccesstosmartphonesortheinternet,whichisasignificant______2______fordigitalbankingadoption.Toaddressthis,somebanksin遵義havestartedproviding______3______bankingservices,suchasvisitingcreditcentersinvillages.Theseinitiativeshelpbridgethegapbetweenurbanandruralfinancialservices.Additionally,banksin桐梓areincreasinglyfocusingon______4______educationtoimprovefinancialliteracyamonglocalresidents.Forexample,the建設(shè)銀行桐梓縣分行regularlyconductsworkshopsonsavingsstrategiesanddebtmanagement.Theseeffortsarepartofthebank'scommitmentto______5______itsreputationasareliablefinancialpartnerinthecommunity.1.A.checkB.manageC.openD.verify2.A.challengeB.opportunityC.benefitD.requirement3.A.traditionalB.digitalC.mobileD.remote4.A.promotingB.reducingC.eliminatingD.ignoring5.A.maintainB.loseC.increaseD.decreaseTheincreasingdemandforloansin桐梓hasledtostricterlendingcriteria.Banksnowrequireborrowerstoprovide______6______financialrecords,includingincomestatementsandtaxreturns.Thishelpsreducetheriskof______7______loans.Inaddition,somebanksin遵義areexperimentingwithartificialintelligenceto______8______creditdecisionsmoreefficiently.AIcananalyzevastamountsofdatatoidentifypotentialrisks,whichisparticularlyusefulinruralareaswherecredithistoriesmaybelimited.However,somecustomersworrythatAI-drivenlendingmayleadto______9______decisions.Toaddressthis,banksarealsoimplementinghumanoversighttoensurefairness.Overall,thebankingsectorin遵義isbalancinginnovationwithtraditiontomeettheevolvingneedsofitscustomers.6.A.detailedB.vagueC.incompleteD.outdated7.A.profitableB.successfulC.riskyD.affordable8.A.improveB.delayC.disruptD.ignore9.A.biasedB.objectiveC.transparentD.unpredictable10.A.progressB.stagnationC.declineD.regression四、翻譯題（共5題，每題2分）說明：以下句子涉及銀行業(yè)務(wù)及地方經(jīng)濟(jì)發(fā)展，需翻譯成英文。1.建設(shè)銀行桐梓縣分行致力于提升當(dāng)?shù)鼐用竦慕鹑谒仞B(yǎng)。2.在遵義市，農(nóng)村地區(qū)的銀行貸款利率通常比城市地區(qū)低。3.由于數(shù)字銀行的發(fā)展，桐梓縣的居民現(xiàn)在可以更方便地管理他們的資金。4.桐梓縣的農(nóng)業(yè)經(jīng)濟(jì)需要更多的信貸支持來促進(jìn)發(fā)展。5.銀行在審批貸款時(shí)必須進(jìn)行嚴(yán)格的風(fēng)險(xiǎn)評(píng)估。答案及解析一、單選題1.A.transformed-解析：Digitalbankinghaschangedthetraditionalbankingmodel.2.C.atleastonesetof-解析：Banksrequirevalididentificationdocuments.3.A.competitive-解析：Localbanksoffercompetitiveratestosupportsmallbusinesses.4.B.mortgagelending-解析：LTVratioisusedinmortgagelendingtoassessrisk.5.C.savingsandloans-解析：Workshopsfocusonbasicfinancialmanagement.6.A.provide-解析：Loanapplicationsrequireaccurateinformation.7.B."Trustworthinessisthefoundation"-解析：誠信為本強(qiáng)調(diào)誠信是銀行業(yè)務(wù)的核心。8.C.Lowliquidity-解析：Ruralbanksoftenfaceliquiditychallengesduetofewertransactions.9.A.8:00AMandclosesat5:00PM-解析：ThisisacommonworkinghoursscheduleforbanksinruralChina.10.B.requireapassportcopy-解析：BanksneedproofofidentityforATMcardreplacements.11.B.thepublic'strustinthebank-解析：Reputationreferstohowthepublicviewsthebank.12.C.agricultural-解析：Agriculturalloanssupportlocalfarmingbusinesses.13.B.thoroughresearchbeforemakingafinancialdecision-解析：Duediligenceinvolvescarefulevaluation.14.C.sixmonths-解析：Fixed-termsavingsaccountstypicallyrequireasix-monthlock-inperiod.15.C.checkbalancesandpaybills-解析：Mobileappsallowuserstomanagetheiraccounts.二、閱讀理解1.B.Expandingdigitalbankingservices-解析：Thepassagementionsthegovernment'spushforfinancialinclusionthroughdigitalbanking.2.B.Byintroducingofflinebankingmodels-解析：Banksareusingpop-upcenterstoserveareaswithpoorinternetconnectivity.3.B.建設(shè)銀行-解析：Thepassagespecificallymentionsthe建設(shè)銀行桐梓縣分行.4.C.Theloanamountrelativetopropertyvalue-解析：LTVratiocomparestheloanamounttotheproperty'svalue.5.C.Duetolowerrealestateprices-解析：Lowerpricesall