工商銀行嘉興市秀洲區(qū)2025秋招筆試英語(yǔ)題專練及答案語(yǔ)法填空（共10題，每題1分，總計(jì)10分）1.ThelocalbranchofICBCinXiaozhouDistricthas__________(develop)anewmobilebankingapptailoredforsmallbusinesses.2.Participantsinthe2024FinancialInnovationConferenceinJiaxingwereencouragedto__________(discuss)thechallengesofdigitalcurrencyadoption.3.By2026,itisestimatedthatthedigitalpaymentmarketinZhejiangwill__________(expand)byover30%.4.Smallandmedium-sizedenterprisesinHangzhoucannow__________(apply)forgovernmentsubsidiesdirectlythroughtheonlineplatform.5.TheBankofChina’sAI-drivenriskmanagementsystem__________(enhance)efficiencybyreducingmanualoversight.6.Ifyou__________(fail)tosubmittheannualreportontime,thebankmayimposeapenalty.7.ThenewbranchinLiangqiaowill__________(focus)onservingthegrowingdemandforruralfinancialservices.8.Customerswho__________(register)beforeJune1willreceivea10%discountonloaninterestrates.9.TheWorldBank’sreporthighlightstheneedforstricterregulationsto__________(protect)consumersfromfraudulentactivities.10.Thecentralbank’spolicyadjustmentwill__________(impact)theliquidityintheinterbankmarket.閱讀理解（共5篇，每題2分，總計(jì)10分）Passage1(2題)Title:DigitalBankinginJiaxingThecityofJiaxinghasseenarapidriseindigitalbankingadoptionoverthepastfiveyears.Accordingtoa2024surveybytheChinaBankingAssociation,over70%ofresidentsnowprefermobilebankingfordailytransactions.TheBankofCommunicationsandIndustrialandCommercialBankofChinahavebothlaunchedappswithfeaturestailoredtolocalneeds,suchasQRcodepaymentsforlocalmarketsandonlinetaxfilings.However,challengesremain,includingcybersecurityconcernsandthedigitaldivideamongtheelderly.Thegovernmenthasproposedtrainingprogramstoimprovedigitalliteracyamonglow-incomehouseholds.1.Whatisthemainfocusofthepassage?A.TheeconomicimpactofdigitalbankinginJiaxing.B.ThechallengesofdigitalbankingadoptioninJiaxing.C.Thegovernment’sinitiativestopromotedigitalbanking.D.Thecomparisonbetweendifferentbanks’digitalservices.2.WhichofthefollowingisNOTmentionedasafeatureoflocaldigitalbankingapps?A.QRcodepaymentsformarkets.B.Onlineloanapplications.C.E-taxfilingservices.D.Financialliteracyworkshops.Passage2(2題)Title:SMEFinancinginZhejiangZhejiangProvincehasthehighestconcentrationofsmallandmedium-sizedenterprises(SMEs)inChina,butmanystrugglewithaccesstofinancing.A2023reportbythePeople’sBankofChinafoundthat45%ofSMEsinHangzhouandNingbocitedinsufficientcreditasamajorobstacletogrowth.Toaddressthis,theprovincialgovernmenthaspartneredwithbankstolauncha"SMECreditGuaranteeFund,"whichprovideslow-interestloanswithrelaxedcollateralrequirements.Additionally,theHangzhou-basedAntGrouphaslaunchedaplatformtoconnectSMEswithprivateinvestors.3.WhatistheprimaryissuefacedbySMEsinZhejiang?A.Highoperatingcosts.B.Insufficientfinancing.C.Lowemployeeretention.D.Excessiveregulatoryburdens.4.WhichofthefollowingisameasuretakenbytheprovincialgovernmenttosupportSMEs?A.Offeringtaxincentives.B.Launchingacreditguaranteefund.C.Implementingstricterlaborlaws.D.Encouragingforeigninvestment.Passage3(2題)Title:TheFutureofFinancialTechnologyinXiaozhouDistrictTheXiaozhouDistrictofJiaxinghasemergedasahubforfinancialtechnologystartups.CompanieslikeMegviiandSenseTimehavesetupR&Dcentersthere,focusingonAI-drivenbankingsolutions.Thedistrictgovernmenthasofferedtaxbreaksandofficespacesubsidiestoattractmoretechfirms.However,expertswarnthattheindustryfacesatalentshortage,asthenumberofqualifiedAIprofessionalsintheregionislimited.5.WhatisthekeyadvantageofXiaozhouDistrictforfintechcompanies?A.Governmentsubsidies.B.Highconcentrationoftechtalent.C.Strongbankinginfrastructure.D.Proximitytomajoruniversities.6.Whatisamajorchallengeforfintechfirmsinthedistrict?A.Highcostsofoperation.B.Limitedgovernmentsupport.C.Ashortageofskilledworkers.D.Intensecompetitionfromestablishedbanks.Passage4(2題)Title:ConsumerBankinginHangzhouHangzhou,thecapitalofZhejiang,hasthehighestnumberofbankbranchespercapitainChina.TheBankofChinaandAgriculturalBankofChinahaveopenednewbranchesinthepastyear,whilesmallerbankslikeChinaMerchantsBankhavefocusedonupgradingtheirdigitalservices.A2024surveyshowsthat60%ofHangzhouresidentspreferbankswithbothphysicaloutletsandonlineplatforms.Thecity’sfinancialsectorisalsoadaptingtochangingconsumerpreferences,withmorepersonalizedwealthmanagementproductsbeingoffered.7.WhattrendisevidentinHangzhou’sbankingsector?A.Adeclineinphysicalbankbranches.B.Ashifttowarddigital-onlyservices.C.Anincreaseinthenumberofbankbranches.D.Afocusontraditionalbankingproducts.8.WhichofthefollowingisakeyfactordrivingconsumerbankingtrendsinHangzhou?A.Governmentpolicies.B.Technologicaladvancements.C.Economicgrowth.D.Demographicshifts.Passage5(2題)Title:RiskManagementintheFinancialSectorThePeople’sBankofChinahasintroducednewregulationstostrengthenriskmanagementincommercialbanks.Theseincludestrictercapitalrequirementsforloanportfoliosandmandatorystresstestingforfinancialinstitutions.Themoveaimstopreventanotherfinancialcrisislikethe2008globalrecession.BanksinJiaxingandotherpartsofZhejianghavealreadystartedimplementingthesemeasures,withsomereportingincreasedcompliancecostsbutalsoimprovedstability.9.Whatisthemainpurposeofthenewregulations?A.Toboosteconomicgrowth.B.Toreducefinancialrisks.C.Toincreasebankprofits.D.Toencouragecompetition.10.HowhavebanksinZhejiangrespondedtothenewregulations?A.Byreducingloanapprovals.B.Byincreasingfeesforcustomers.C.Byinvestingincompliancesystems.D.Byexitingthemarket.完形填空（共1篇，每題1分，總計(jì)10分）Title:TheRiseofGreenFinanceinJiaxingThecityofJiaxinghasbecomealeaderingreenfinance,withbanksinvestingheavilyinrenewableenergyprojects.In2023,theIndustrialandCommercialBankofChinaannounceda$1billionfunddedicatedtosupportingwindandsolarenergydevelopmentsintheregion.Localbusinesseshavealsobenefited,asthegovernmenthasmandatedthat30%ofallnewindustrialprojectsmustusegreenenergy.Thisshifthasnotonlyreducedcarbonemissionsbutalsocreatedjobsinthecleanenergysector.However,challengesremain.Thehighupfrontcostsofgreentechnologiesmakesomeprojectsfinanciallyunviablewithoutgovernmentsubsidies.Additionally,thelackofspecializedexpertiseinthefieldhasslowedtheadoptionofadvancedgreenfinancesolutions.Despitethesehurdles,thefuturelooksbright,withthecentralbankpromisingfurthersupportforgreeninitiatives.1.Whatisthemainfocusofthepassage?A.Theeconomicbenefitsofgreenfinance.B.Thechallengesofimplementinggreenprojects.C.Governmentpoliciesonrenewableenergy.D.Theroleofbanksingreenfinance.2.WhichofthefollowingisapositiveoutcomeofgreenfinanceinJiaxing?A.Increasedcarbonemissions.B.Jobcreationincleanenergy.C.Higherindustrialcosts.D.Reducedgovernmentsubsidies.3.Whatisamajorobstacletogreenfinanceprojects?A.Lowdemandforrenewableenergy.B.Highinitialinvestmentcosts.C.Excessivegovernmentregulation.D.Lackofpublicawareness.4.Whatdoesthecentralbankplantodo?A.Reducefundingforgreenprojects.B.Mandategreenenergyusage.C.Provideadditionalsupport.D.Encourageprivateinvestment.5.Theword"mandated"inthesecondparagraphisclosestinmeaningto:A.prohibited.B.encouraged.C.required.D.discouraged.6.Whatisthetoneofthepassage?A.Critical.B.Neutral.C.Optimistic.D.Pessimistic.7.WhichofthefollowingisNOTmentionedasabenefitofgreenfinance?A.Environmentalprotection.B.Economicgrowth.C.Jobcreation.D.Higherenergycosts.8.Whatdoesthepassagesuggestaboutthefutureofgreenfinance?A.Itwilldeclineduetolackofsupport.B.Itwillgrowwithgovernmentbacking.C.Itwillbecomelessprofitable.D.Itwillremainunchanged.9.Theword"hurdles"inthelastparagraphrefersto:A.opportunities.B.obstacles.C.successes.D.challenges.10.Whatistheprimarymessageofthepassage?A.Greenfinanceisnotsustainable.B.Greenfinanceisthefutureofbanking.C.Greenfinancerequiresmoregovernmentsupport.D.Greenfinanceisonlyforlargecorporations.答案及解析語(yǔ)法填空1.hasdeveloped-解析：Thelocalbranchhascompletedthedevelopmentoftheapp(presentperfecttense).2.todiscuss-解析：Encouragesb.todosth.(infinitiveafterencourage).3.willexpand-解析：Futureprediction(will+baseform).4.canapply-解析：Permission(modalverbcan+baseform).5.hasenhanced-解析：Presentperfecttensetoshowcompletedactionwithongoingeffect.6.fail-解析：Conditionalsentence(presentsubjunctive).7.willfocus-解析：Futureplan(will+baseform).8.register-解析：Condition(presentsubjunctive).9.protect-解析：Necessity(infinitiveafterhighlight).10.willimpact-解析：Futureprediction(will+baseform).閱讀理解1.B-解析：Thepassag