廣發(fā)銀行潮州市湘橋區(qū)2025秋招筆試英語題專練及答案一、單選題（共10題，每題1分）（主要考察基礎(chǔ)語法、詞匯及語境理解，結(jié)合銀行業(yè)務(wù)場景）1.Thebank'snewpolicyaimsto_______customersbyreducingtransactionfeesandimprovingserviceefficiency.A.attractB.retainC.satisfyD.encourage(答案：B)2.Despitetheeconomicdownturn,theregion'sfinancialsectorhasshown_______resilienceinthepastyear.A.limitedB.relativeC.absoluteD.minimal(答案：B)3.Whatistheprimary_______ofthisbankingapp?A.functionB.featureC.purposeD.objective(答案：D)4.Theloanofficer_______thattheapplicant’screditscoremeetsthebank’srequirements.A.insistedB.confirmedC.suggestedD.denied(答案：B)5.Thebank’s_______strategyincludesexpandingitspresenceinthecoastalcitiesofGuangdong.A.commercialB.regionalC.ruralD.urban(答案：B)6.ManycustomersinChaoshanprefertouse_______fortheirdailytransactionsduetoconvenience.A.digitalbankingB.mobilepaymentsC.traditionalbankingD.cashtransactions(答案：B)7.The_______ofthisfinancialproductisdesignedtoprotectagainstmarketvolatility.A.guaranteeB.coverageC.benefitD.security(答案：D)8.Ourteamwill_______athoroughreviewoftheproposalbeforesubmission.A.conductB.performC.executeD.initiate(答案：A)9.Thebank’sbranchinXiangqiao_______asignificantincreaseindepositsthisquarter.A.registeredB.achievedC.estimatedD.projected(答案：A)10.Whatisthe_______impactoflow-interestratesonsavingsaccounts?A.negativeB.neutralC.positiveD.minimal(答案：A)二、閱讀理解（共2篇，每題2分，共10分）Passage1TherapiddevelopmentoffintechhastransformedthebankingindustryinChina.TraditionalfinancialinstitutionsarenowcompetingwithtechgiantslikeAntGroupandTencentintermsofdigitalservices.Tostayrelevant,banksmustadoptinnovativesolutions,suchasartificialintelligenceandblockchain,toenhancecustomerexperienceandoperationalefficiency.TheGuangdongProvincialBank,forinstance,haslaunchedanewAI-drivenchatbottoassistclientswithinquiries24/7.Thisshifttowarddigitalizationhasnotonlyimprovedservicequalitybutalsoreducedcosts.However,challengesremain,includingcybersecurityrisksandregulatorycompliance.Thesuccessofthistransformationhingesonthebank’sabilitytobalancetraditionwithinnovation.Questions:1.Whatisthemainfocusofthepassage?A.Theimpactoffintechontraditionalbanking.B.TheroleofAIinfinancialservices.C.Thechallengesofdigitalbanking.D.Thecompetitionbetweenbanksandtechcompanies.(答案：A)2.Whydotraditionalbanksneedtoadoptfintechsolutions?A.Toreducecosts.B.Toimprovecustomerexperience.C.Tocomplywithregulations.D.Tocompetewithfintechcompanies.(答案：D)3.Whatexampleisgiventoillustratetheadoptionofdigitalization?A.Theuseofblockchaininpayments.B.ThelaunchofanAIchatbot.C.Theexpansionofbankbranches.D.Theintroductionofmobilebanking.(答案：B)Passage2TheChaoshanregion,knownforitsstrongentrepreneurialculture,hasseenasurgeinsmallandmedium-sizedenterprises(SMEs)inrecentyears.However,manyofthesebusinessesfacechallengesinsecuringloansduetolimitedcollateralandcredithistory.Toaddressthis,theGuangfaBankhasintroducedaspecializedSMElendingprogramwithflexiblerequirements.Theprogramfocusesonsupportingbusinesseswithhighgrowthpotentialbutlowercreditscores.Byleveragingbigdataandriskassessmentmodels,thebankcanevaluateloanapplicationsmoreaccurately.Thisinitiativehasnotonlyboostedthelocaleconomybutalsofosteredfinancialinclusion.However,thebankmustcontinuetorefineitsriskmanagementstrategiestoensuresustainability.Questions:4.WhatistheprimaryissuefacedbySMEsinChaoshan?A.Highoperatingcosts.B.Limitedaccesstofinancing.C.Lackofskilledemployees.D.Regulatoryhurdles.(答案：B)5.HowdoestheGuangfaBankassistSMEs?A.Byofferinglow-interestloans.B.Byprovidingbusinesstraining.C.Byreducingcollateralrequirements.D.Byofferinggovernmentsubsidies.(答案：C)6.Whattechnologydoesthebankusetoassessloanapplications?A.Manualcreditchecks.B.Bigdataanalytics.C.Traditionalfinancialstatements.D.Bankerevaluations.(答案：B)三、完形填空（共10題，每題1分）Fillintheblankswiththemostsuitablewordsfromtheoptions.ThebankingsectorinGuangdonghasundergonesignificantchangesinthepastdecade.Withtheriseofdigitalpayments,traditionalbankshavehadto_______(1)theirservicestomeetcustomerexpectations.Manyhaveinvestedheavilyinmobilebankingapps,whichallowclientstoperformtransactionsanytime,anywhere.However,digitalizationalsobringschallenges,suchascybersecuritythreats.Banksmustensurerobustsecuritymeasurestoprotectcustomerdata.Additionally,regulatorycomplianceremainsacriticalissue.TheGuangfaBank,forexample,hasstrengtheneditscomplianceteamtoaddressnewfinancialregulations.Despitethesechallenges,thefutureofbankinginGuangdonglookspromising,aslongasbankscanbalanceinnovationwithriskmanagement.1.A.adaptB.adoptC.adjustD.alter(答案：A)2.A.innovativeB.traditionalC.modernD.conventional(答案：A)3.A.facilitateB.enableC.encourageD.enhance(答案：B)4.A.faceB.encounterC.confrontD.meet(答案：A)5.A.implementB.adoptC.enforceD.utilize(答案：A)6.A.stringentB.looseC.flexibleD.lenient(答案：A)7.A.improvedB.strengthenedC.expandedD.enhanced(答案：B)8.A.complianceB.regulationC.policyD.standard(答案：A)9.A.prospectiveB.potentialC.futureD.expected(答案：B)10.A.providedB.ensuredC.offeredD.supported(答案：B)四、翻譯題（共5題，每題2分，共10分）TranslatethefollowingsentencesintoEnglish.1.隨著金融科技的快速發(fā)展，潮州地區(qū)的銀行業(yè)競爭日益激烈。(答案：Withtherapiddevelopmentoffintech,thebankingcompetitioninChaoshanhasbecomeincreasinglyfierce.)2.廣發(fā)銀行致力于為中小企業(yè)提供靈活的貸款方案。(答案：GuangfaBankiscommittedtoprovidingflexibleloansolutionsforsmallandmedium-sizedenterprises.)3.數(shù)字化轉(zhuǎn)型是銀行提升客戶滿意度的關(guān)鍵。(答案：Digitaltransformationiskeytoimprovingcustomersatisfactionforbanks.)4.為應(yīng)對經(jīng)濟(jì)下行壓力，銀行采取了降息措施。(答案：Toaddressthedownwardpressureintheeconomy,thebankhasimplementedinterestratecuts.)5.銀行需加強(qiáng)風(fēng)險管理，以保障資產(chǎn)安全。(答案：Banksneedtostrengthenriskmanagementtoensureassetsecurity.)五、寫作題（1題，10分）Writeashortessay(about100words)onthetopic:"TheImportanceofDigitalBankinginRuralAreas."(SampleAnswer:Digitalbankinghassignificantlyimprovedfinancialaccessibilityinruralareas.Traditionalbanksoftenlackaphysicalpresenceintheseregions,butdigitalsolutionslikemobileappsandonlineplatformsbridgethisgap.Farmersandsmallbusinessownerscannowaccessloans,payments,andsavingsserviceswithouttravelinglongdistances.Thisnotonlysavestimebutalsoreducescosts.Additionally,digitalbankingpromotesfinancialinclusionbyreachingunderservedcommunities.Forinstance,theGuangfaBank’sruralfinancialprogramhasenabledmanyvillagerstostartorexpandtheirbusinesses.However,challengessuchasinternetconnectivityanddigitalliteracyremain.Banksmustcontinuetoinnovatetoensurethatruralareasbenefitequallyfromfinancialadvancements.)答案與解析一、單選題答案與解析1.B-"retain"fitsthecontextofkeepingcustomers.2.B-"relativeresilience"impliesmoderatestrengthdespitechallenges.3.D-"objective"isthebestfitforagoal-orientedstatement.4.B-"confirmed"matchesthecertaintyoftheloanofficer’sstatement.5.B-"regionalstrategy"alignswithexpandinginGuangdong’scoastalareas.6.B-"mobilepayments"arepopularinChaoshanforconvenience.7.D-"security"referstoprotectionagainstfinancialrisks.8.A-"conductareview"isstandardinbankingprocesses.9.A-"registered"accuratelydescribestheincreaseindeposits.10.A-Low-interestratesnegativelyaffectsavings.二、閱讀理解答案與解析Passage1:1.A-Thepassagediscussesfintech’simpactontraditionalbanking.2.D-Bankscompetewithfintechfirms,forcingadaptation.3.B-TheAIchatbotisthespecificexamplegiven.Passage2:4.B-SMEsstrugglewithfinancingduetolimitedcredithistory.5.C-ThebanklowerscollateralrequirementsforSMEloans.6.B-Bigdataanalyticsareusedforriskassessment.三、完形填空答案與解析1.A-"adapt"meanstoadjusttochanges.2.A-"innovative"reflectsnewdigitalbankingservices.3.B-"enable"meanstoallowtransactionstohappen.4.A-"face"isthemostnaturalchoiceforchallenges.5.A-"implement"referstoputtingsecuritymeasuresintoaction.6.A-"stringent"describesstrictregulations.7.B-"strengthened"impliesimprovedcomplianceefforts.8.A-"compliance"isthefocusofregulatoryadherence.9.B-"potential"referstofuturegrowthopportunities.10.B-"ensured"suggest