工商銀行漳州市龍海市2025秋招筆試英語題專練及答案第一部分：選詞填空（10題，每題1分）（每題從四個選項中選擇一個最合適的單詞填入句子中，使句子意思完整、語法正確。）1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.limitedD.supported2.AsaleadingfinancialinstitutioninZhangzhou,ChinaMerchantsBankhasbeen______sustainablegrowthinrecentyears.A.pursuingB.ignoringC.delayingD.neglecting3.Thenewpolicyaimsto______smallbusinessesbyreducinginterestratesandsimplifyingloanprocedures.A.discourageB.supportC.harmD.eliminate4.Withtheriseofdigitalpayments,thedemandforcashtransactionshas______significantlyinthepastdecade.A.decreasedB.increasedC.remainedD.fluctuated5.Thebank’scustomerserviceteamistrainedtoprovide______assistanceinresolvingfinancialqueries.A.inadequateB.immediateC.unnecessaryD.reluctant6.Theannualfinancialreporthighlightsthebank’s______inriskmanagementandcompliance.A.failureB.successC.negligenceD.dishonesty7.Toenhancesecurity,thebankhasintroducedadvancedbiometricauthenticationmethodssuchasfingerprintandfacial______.A.recognitionB.rejectionC.rejectionD.rejection8.Theeconomicdownturnhas______thebank’sprofits,leadingtocost-cuttingmeasures.A.boostedB.reducedC.preservedD.stabilized9.Thebank’smobileappallowscustomerstoperformtransactions______andsecurely.A.convenientlyB.reluctantlyC.improperlyD.carelessly10.The______ofartificialintelligenceinbankinghastransformedthewayfinancialservicesaredelivered.A.adoptionB.rejectionC.avoidanceD.resistance第二部分：閱讀理解（5題，每題2分）（閱讀以下短文，然后根據(jù)文章內(nèi)容回答問題。）Passage:ThebankingsectorinZhangzhouhaswitnessedsignificantchangesduetotechnologicaladvancements.Traditionalbanksareincreasinglyadoptingdigitalsolutionstoimproveefficiencyandcustomerexperience.Forinstance,ChinaMerchantsBankhaslaunchedamobile-onlybankingservice,allowingcustomerstohandlemosttransactionswithoutvisitingphysicalbranches.Thisshifthasnotonlyreducedoperationalcostsbutalsoexpandedthebank’sreachtoruralareas.However,challengesremain,suchasensuringdatasecurityandaddressingthedigitaldivideamongelderlycustomers.Thegovernmenthasalsoplayedarolebyprovidingincentivesforbankstoinvestinfintechinfrastructure.Despitethesechallenges,thefutureofbankinginZhangzhoulookspromising,withmoreinnovativeservicesexpectedtoemerge.Questions:1.WhathasbeentheprimaryimpactoffintechontraditionalbanksinZhangzhou?A.IncreasedcompetitionB.ReducedefficiencyC.ImprovedcustomerserviceD.Higheroperationalcosts2.WhyhasChinaMerchantsBankshiftedtoamobile-onlybankingservice?A.ToreduceprofitsB.ToserveruralareasbetterC.ToattractyoungercustomersD.Tocomplywithgovernmentregulations3.Whatisonechallengementionedinthepassageregardingdigitalbanking?A.HightransactionfeesB.DatasecurityrisksC.LimitedbranchlocationsD.Lackofgovernmentsupport4.Howhasthegovernmentcontributedtothebankingsector’stransformation?A.ByimposingstricterregulationsB.ByofferingfinancialincentivesC.ByencouragingtraditionalbankingD.Byreducingtaxesonbanks5.WhatdoesthepassagesuggestaboutthefutureofbankinginZhangzhou?A.ItwilldeclineduetotechnologicalchangesB.ItwillremainstablewithminimalchangesC.ItwillseemoreinnovativeservicesD.Itwillfocussolelyonruralmarkets第三部分：完形填空（8題，每題1分）（閱讀以下短文，其中有8處空白，每處空白有四個選項，選擇最合適的選項填入空格。）TheRiseofDigitalBankinginChinaTherapidgrowthofdigitalbankinghas______(1)thetraditionalfinanciallandscapeinChina.Withthe______(2)ofsmartphonesandinternetconnectivity,customersnowhaveaccesstoawiderangeofbankingservices______(3)theirfingertips.Chinesebanks,includingthoseinZhangzhou,have______(4)thistrendbyinvestingheavilyinmobilebankingappsandonlineplatforms.Theseinitiativeshavenotonlyimprovedconveniencebutalso______(5)operationalefficiency.However,challengessuchascybersecurityandthedigitaldivideremain______(6)tobeaddressed.Thegovernmenthas______(7)stepstopromotefinancialinclusion,ensuringthatevenremoteareasarenotleftbehind.Asdigitalbankingcontinuestoevolve,itis______(8)thatmoreinnovativesolutionswillemergetomeetcustomerneeds.1.A.transformedB.ignoredC.preservedD.simplified2.A.increaseB.popularityC.declineD.availability3.A.inB.atC.onD.for4.A.ignoredB.embracedC.opposedD.delayed5.A.increasedB.decreasedC.maintainedD.reduced6.A.necessaryB.obviousC.remainingD.temporary7.A.takenB.ignoredC.neglectedD.postponed8.A.certainB.unlikelyC.possibleD.necessary第四部分：翻譯（2題，每題5分）（將以下句子翻譯成英語。）1.工商銀行通過推出創(chuàng)新金融產(chǎn)品和服務(wù)，積極支持中小企業(yè)的發(fā)展。2.隨著全球經(jīng)濟一體化的深入，漳州市的銀行業(yè)正面臨新的機遇與挑戰(zhàn)。第五部分：寫作（1題，10分）（根據(jù)以下提示寫一篇短文，不少于100詞。）Topic:TheImportanceofFinancialLiteracyforBankEmployees答案及解析第一部分：選詞填空1.A(forced)解析：fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)必須創(chuàng)新。2.A(pursuing)解析：作為領(lǐng)先銀行，中行一直在追求可持續(xù)發(fā)展。3.B(support)解析：新政策旨在支持小企業(yè)，降低貸款利率。4.A(decreased)解析：數(shù)字支付興起，現(xiàn)金交易需求下降。5.B(immediate)解析：客服團隊提供及時幫助解決財務(wù)問題。6.B(success)解析：年報強調(diào)銀行在風(fēng)險管理上的成功。7.A(recognition)解析：銀行引入生物識別技術(shù)（如指紋和面部識別）。8.B(reduced)解析：經(jīng)濟下行導(dǎo)致銀行利潤減少，需削減成本。9.A(conveniently)解析：手機銀行讓客戶方便且安全地交易。10.A(adoption)解析：人工智能的應(yīng)用改變了金融服務(wù)方式。第二部分：閱讀理解1.C(Improvedcustomerservice)解析：文章提到數(shù)字技術(shù)提升了銀行效率。2.B(Toserveruralareasbetter)解析：移動銀行服務(wù)有助于銀行拓展農(nóng)村市場。3.B(Datasecurityrisks)解析：文章提到數(shù)據(jù)安全是數(shù)字銀行的一大挑戰(zhàn)。4.B(Byofferingfinancialincentives)解析：政府通過提供資金激勵推動銀行數(shù)字化。5.C(Itwillseemoreinnovativeservices)解析：文章預(yù)測未來銀行將推出更多創(chuàng)新服務(wù)。第三部分：完形填空1.A(transformed)解析：數(shù)字銀行改變了傳統(tǒng)金融格局。2.B(popularity)解析：智能手機和互聯(lián)網(wǎng)的普及推動了數(shù)字銀行發(fā)展。3.A(in)解析：服務(wù)“在指尖”可用。4.B(embraced)解析：中國銀行積極擁抱這一趨勢。5.A(increased)解析：數(shù)字銀行提高了運營效率。6.C(remaining)解析：數(shù)字鴻溝等問題仍需解決。7.A(taken)解析：政府已采取措施促進金融包容。8.A(certain)解析：未來將出現(xiàn)更多創(chuàng)新解決方案。第四部分：翻譯1.工商銀行通過推出創(chuàng)新金融產(chǎn)品和服務(wù)，積極支持中小企業(yè)的發(fā)展。工商銀行activelysupportsthedevelopmentofsmallandmedium-sizedenterprisesbyintroducinginnovativefinancialproductsandservices.2.隨著全球經(jīng)濟一體化的深入，漳州市的銀行業(yè)正面臨新的機遇與挑戰(zhàn)。Withthedeepeningofglobaleconomicintegration,thebankingindustryinZhangzhouisfacingnewopportunitiesandchallenges.第五部分：寫作（參考范文）TheImportanceofFinancialLiteracyforBankEmployeesFinancialliteracyiscrucialforbankemployeesasitenables