光大銀行沈陽市大東區(qū)2025秋招筆試英語題專練及答案第一部分：詞匯與語法（共10題，每題1分）說明：每題含一個(gè)空格，需從四個(gè)選項(xiàng)中選擇最合適的單詞填入空格，使句子完整、語法正確。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovate.A.forcedB.motivatedC.resistedD.ignored2.Despitetheeconomicdownturn,thedemandforonlinebankingservicesinNortheastChinahas______significantly.A.declinedB.stabilizedC.surgedD.remained3.光大銀行沈陽分行特別關(guān)注普惠金融，致力于______農(nóng)村地區(qū)的金融服務(wù)覆蓋。A.expandingB.reducingC.delayingD.eliminating4.Thenewmobilebankingappallowscustomersto______transactionsinreal-time,improvingefficiency.A.delayB.confirmC.postponeD.cancel5.Regulatorycomplianceisakey______forfinancialinstitutionsoperatinginChina.A.challengeB.opportunityC.riskD.priority6.Thebank’sAI-drivenriskassessmentsystemhelps______creditfraudmoreaccurately.A.detectB.ignoreC.encourageD.minimize7.ManySMEsinShenyangfacedifficultiesinsecuring______financingduetostrictlendingpolicies.A.affordableB.accessibleC.excessiveD.immediate8.Thebranchmanageremphasizedtheimportanceof______customerservicetoretainclients.A.deterioratingB.improvingC.neglectingD.reducing9.Theglobalfinancialcrisisof2008______theneedforstrongercapitalbuffersinbanks.A.highlightedB.ignoredC.weakenedD.delayed10.光大銀行正在推動(dòng)綠色金融業(yè)務(wù)，以______環(huán)境可持續(xù)性。A.supportB.harmC.ignoreD.neglect第二部分：閱讀理解（共5題，每題2分）說明：閱讀以下三篇短文，每篇短文后設(shè)2-3個(gè)問題，根據(jù)文章內(nèi)容選擇最佳答案。Passage1Theriseofdigitalbankinghastransformedthewayconsumersinteractwithfinancialinstitutions.Unliketraditionalbanks,digital-onlylendersleveragebigdataandAItoofferpersonalizedfinancialproducts.Forinstance,incitieslikeShenyang,wheretraditionalbankinginfrastructureisstilldeveloping,digitalbankscanreachunderservedpopulationsmoreefficiently.However,regulatorsinChinaremaincautiousaboutthepotentialrisksofover-relianceontechnology,suchasdataprivacyissuesandalgorithmicbias.Despitethesechallenges,thefutureoffinanceislikelytobeshapedbydigitalinnovation,withbanksthatadapttothistrendgainingacompetitiveedge.Questions:11.Whatisthemainadvantageofdigital-onlybanksovertraditionalones?A.LoweroperatingcostsB.WidercustomerreachC.BetterriskmanagementD.Morephysicalbranches12.Whatconcernsdoregulatorshaveaboutdigitalbanking?A.LackofprofitabilityB.HightransactionfeesC.DataprivacyandalgorithmicbiasD.LimitedmarketpenetrationPassage2NortheastChina,includingShenyang,haslongbeenahubforindustrialfinanceduetoitsheavymanufacturingbase.However,theregion’seconomicslowdownhasexposedthevulnerabilitiesofthismodel.Manystate-ownedenterprises(SOEs)inthearearelyonbankloansforfunding,butwithdecliningrevenues,theirdebtsustainabilityisquestionable.Toaddressthis,localbankslikeGuangdaBankareexperimentingwithasset-lightmodels,focusingonwealthmanagementandSMElendinginstead.ThisshiftalignswiththebroadertrendinChina’sfinancialsectortowardmorediversifiedbusinessmodels.Questions:13.WhatistheprimarychallengefacingindustrialfinanceinNortheastChina?A.HighcompetitionfromprivatebanksB.DecliningrevenuesofSOEsC.ExcessiveregulatoryoversightD.Limitedinvestmentininfrastructure14.Howarebanksadaptingtothischallenge?A.IncreasingloanlimitsB.DiversifyingrevenuestreamsC.ExpandingphysicalbranchesD.RaisinginterestratesPassage3光大銀行recentlylaunchedagreenfinanceinitiativeaimedatsupportingsustainabledevelopmentinShenyang.Theprogramincludeslow-interestloansforrenewableenergyprojects,greenbuildingcertifications,andfinancialadvisoryservicesforeco-friendlybusinesses.Thismovereflectsthebank’scommitmenttotheUnitedNationsSustainableDevelopmentGoals(SDGs).Accordingtoareport,citiesinNortheastChinahavesignificantpotentialforgreenfinance,giventheirunderdevelopedrenewableenergysectors.By2025,thebankplanstoallocate10%ofitsloanportfoliotogreenprojects,settingabenchmarkforotherfinancialinstitutionsintheregion.Questions:15.WhatisthepurposeofGuangdaBank’sgreenfinanceinitiative?A.TomaximizeprofitsB.TopromoteenvironmentalsustainabilityC.ToreduceregulatorycompliancecostsD.Tosupportstate-ownedenterprises16.WhyisNortheastChinasuitableforgreenfinance?A.HighindustrialpollutionB.UnderdevelopedrenewableenergysectorsC.StronggovernmentsubsidiesD.Largepopulationgrowth第三部分：完形填空（共10題，每題1分）說明：閱讀以下短文，其中有10處空白，每處空白有四個(gè)選項(xiàng)，選擇最合適的選項(xiàng)填入空格。ThebankingsectorinChinahasundergonesignificantchangesoverthepastdecade.______(17)therapiddigitizationoffinancialservices,traditionalbankshavehadtoembracetechnologicalinnovationtostaycompetitive.Forexample,inShenyang,GuangdaBankhasinvestedheavilyinmobilebankingappsthatallowcustomersto______(18)transactionsanytime,anywhere.However,______(19)technologicaladvancements,banksmustalsoaddressregulatorychallenges.InChina,stringentcapitalrequirementsandanti-moneylaundering(AML)laws______(20)financialinstitutionstomaintainhighstandardsofcompliance.Despitethesehurdles,thefutureofbankinglookspromising.______(21)theriseoffintech,theindustryisexpectedtoseemorecollaborativemodelsbetweentraditionalbanksandtechcompanies.Forinstance,GuangdaBankhaspartneredwithalocalfintechfirmtodeveloparobo-advisorplatform,______(22)personalizedinvestmentadvicetoretailclients.Thisapproachnotonlyenhancescustomerexperiencebutalso______(23)thebank’sabilitytoattractyoungerdemographics.Anotherkeytrendistheincreasingfocusongreenfinance.______(24)China’scommitmenttocarbonneutrality,banksareencouragedtosupportsustainableprojects.InShenyang,GuangdaBankhasallocatedasignificantportionofitsloanportfoliotorenewableenergyandgreeninfrastructure,______(25)thecity’senvironmentalgoals.Byaligningitsbusinessstrategywithglobalsustainabilitytrends,thebankisnotonlycontributingtotheregion’sdevelopmentbutalso______(26)itsreputationasaresponsiblefinancialinstitution.Optionsforeachblank:17.A.DuetoB.DespiteC.BecauseofD.Alongwith18.A.ProcessB.DelayC.IgnoreD.Cancel19.A.WithB.WithoutC.ForD.Against20.A.RequireB.AllowC.EncourageD.Limit21.A.WithB.WithoutC.ThroughD.Despite22.A.OfferingB.ProvidingC.RequestingD.Rejecting23.A.StrengtheningB.WeakeningC.ReducingD.Overlooking24.A.UnderB.AccordingtoC.BeyondD.Without25.A.FulfillingB.IgnoringC.DelayingD.Undermining26.A.EnhancingB.DamagingC.DiscreditingD.Neglecting第四部分：翻譯（共2題，每題5分）說明：將以下中文句子翻譯成英文，要求語法準(zhǔn)確、表達(dá)流暢。27.為促進(jìn)區(qū)域經(jīng)濟(jì)發(fā)展，光大銀行沈陽分行計(jì)劃加大對(duì)中小企業(yè)的信貸支持力度。28.在全球經(jīng)濟(jì)不確定性增加的背景下，中國(guó)銀行業(yè)需要加強(qiáng)風(fēng)險(xiǎn)管理能力，以應(yīng)對(duì)潛在的市場(chǎng)波動(dòng)。第五部分：寫作（共1題，10分）說明：根據(jù)以下話題寫一篇短文（150-200詞），內(nèi)容包括：-當(dāng)前中國(guó)銀行業(yè)面臨的挑戰(zhàn)（如數(shù)字化轉(zhuǎn)型、監(jiān)管政策等）；-銀行應(yīng)如何應(yīng)對(duì)這些挑戰(zhàn)（如技術(shù)創(chuàng)新、人才培養(yǎng)等）。Topic:TheFutureofBankinginChina:ChallengesandOpportunities答案與解析第一部分：詞匯與語法1.A.forced解析：Thecontextimpliesthatfintechhascompelledtraditionalbankstoinnovate."Forced"fitsbest.2.C.surged解析：ThedemandforonlinebankinginNortheastChinaincreasedsharply,asevidencedbytheregion’sgrowingdigitaleconomy.3.A.expanding解析：Thebankaimstowidenitsservicecoverageinruralareas,aligningwithChina’sfinancialinclusiongoals.4.B.confirm解析：Theappenablesreal-timetransactionverification,astandardfeatureinmodernbankingsystems.5.D.priority解析：Complianceisatoppriorityforbankstoavoidpenaltiesandmaintaintrust.6.A.detect解析：AIsystemsareprimarilyusedtoidentifyfraudulentactivities.7.B.accessible解析：SMEsstruggletoobtainfinancingduetolackofaccesstocredit.8.B.improving解析：Excellentcustomerserviceiscrucialforretainingclientsinacompetitivemarket.9.A.highlighted解析：The2008crisisunderscoredtheneedforstrongercapitalbuffers.10.A.support解析：Greenfinancepromotesenvironmentalsustainability,aligningwithChina’s"dualcarbon"goals.第二部分：閱讀理解11.B.Widercustomerreach解析：Digitalbankscanserveremoteareaswithoutphysicalbranches,unliketraditionalbanks.12.C.Dataprivacyandalgorithmicbias解析：RegulatorsworryaboutpotentialmisuseofcustomerdataandunfairAIalgorithms.13.B.DecliningrevenuesofSOEs解析：TheeconomicslowdowninNortheastChinaaffectstheprofitabilityofstate-ownedenterprises.14.B.Diversifyingrevenuestreams解析：BanksareshiftingfromheavyrelianceonSOEstowealthmanagementandSMElending.15.B.Promoteenvironmentalsustainability解析：Theinitiativefocusesongreenprojects,reflectingthebank’scommitmenttosustainability.16.B.Underdevelopedrenewableenergysectors解析：NortheastChinahasuntappedpotentialingreenenergy,makingitidealforgreenfinance.第三部分：完形填空17.A.Dueto18.A.Process19.A.With20.A.Require21.C.Through22.A.Offering23.A.Strengthening24.B.Accordingto25.A.Fulfilling26.A.Enhancing第四部分：翻譯27.Topromoteregionaleconomicdevelopment,ShenyangBranchofGuangdaBankplanstoincreasecreditsupportforsmallandmedium-sizedenterprises.28.Againstthebackdropofrisingglobaleconomicuncertainty,China’sbankingsectorneedstostrengthenriskmanagementcapabil