平安銀行海口市龍華區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）說明：從下列選項(xiàng)中選出最適合填入空白處的單詞，每空對(duì)應(yīng)一個(gè)選項(xiàng)。選項(xiàng)：A.feasibleB.mitigateC.clienteleD.plethoraE.quintessentialF.incumbentG.exacerbateH.pertinentI.volatileJ.remit題目：1.Therapidgrowthoffintechcompanieshasposedchallengesfortraditionalbanks,especiallyintermsofadaptingtothechangingneedsoftheirdigital________.2.Itis________toimplementstricterregulationsto________therisksassociatedwithonlinelendingplatforms.3.Astheeconomystabilizes,the________ofinvestmentopportunitiesinSoutheastAsiahasincreasedsignificantly.4.The________offinancialinclusioninruralareasremainsakeypriorityforthebank’sstrategy.5.Thenewmobilebankingappisdesignedtoprovidea________userexperienceforyoungprofessionalsintheGreaterBayArea.6.Thebank’sliabilitytocustomershasbeenheightenedduetothe________natureofthecryptocurrencymarket.7.The________offraudcaseshasdeclinedaftertheintroductionofadvancedAI-drivensecuritymeasures.8.The________oftheloanapprovalprocesshasbeenstreamlinedtoimprovecustomersatisfaction.9.The________oftheAsianfinancialmarketishighlyinfluencedbyglobaleconomictrends.10.The________ofthebank’swealthmanagementservicesistailoredtohigh-net-worthindividualsinHongKong.答案與解析：1.C(clientele)-適配句意，指銀行服務(wù)的客戶群體。2.A(feasible),B(mitigate)-適配句意，指實(shí)施更嚴(yán)格監(jiān)管以降低風(fēng)險(xiǎn)是可行的。3.D(plethora)-適配句意，指投資機(jī)會(huì)的豐富性。4.A(feasible)-適配句意，指金融包容性在鄉(xiāng)村地區(qū)仍需優(yōu)先考慮。5.E(quintessential)-適配句意，指為大灣區(qū)年輕專業(yè)人士提供典型的優(yōu)質(zhì)體驗(yàn)。6.I(volatile)-適配句意，指加密貨幣市場(chǎng)的波動(dòng)性。7.B(mitigate)-適配句意，指欺詐案件數(shù)量因AI安全措施而減少。8.F(incumbent)-適配句意，指簡(jiǎn)化貸款審批流程是銀行的職責(zé)。9.H(pertinent)-適配句意，指亞洲金融市場(chǎng)的動(dòng)態(tài)與全球經(jīng)濟(jì)趨勢(shì)密切相關(guān)。10.G(exacerbate)-適配句意，指銀行的財(cái)富管理服務(wù)針對(duì)香港高凈值人群。二、閱讀理解（共5題，每題2分）說明：閱讀以下短文，然后根據(jù)短文內(nèi)容回答問題。短文：Theriseofdigitalbankinghastransformedthefinancialindustry,particularlyincoastalregionslikeSoutheastAsia.TraditionalbanksincitiessuchasHaikouandShenzhenarefacingincreasedcompetitionfromfintechstartupsthatoffermoreefficientanduser-friendlyservices.ThesedigitalplatformsleveragebigdataandAItopersonalizefinancialproducts,cateringtothediverseneedsofurbanandruralcustomers.However,challengesremain,includingregulatorycomplianceandcybersecurityrisks.ThePeople’sBankofChinahasintroducednewpoliciestoencouragebankstoadoptdigitaltechnologieswhileensuringstability.Forinstance,therecentpilotprograminGuangdongprovinceallowsbankstotestblockchain-basedpaymentsystems.Despitetheseefforts,thedigitaldividepersists,withruralareasstilllaggingbehindinaccesstoadvancedbankingservices.Banksmustbalanceinnovationwithriskmanagementtomaintaintrustamongcustomersandcomplywithevolvingregulations.題目：1.Whatisthemainfocusofthepassage?A.Theimpactoffintechontraditionalbanking.B.Theroleofbigdatainfinancialservices.C.RegulatorypoliciesinGuangdongprovince.D.Thedigitaldivideinruralareas.2.Accordingtothepassage,whatisachallengefortraditionalbanks?A.Highoperatingcosts.B.Regulatorycompliance.C.Cybersecurityrisks.D.Lackofcustomertrust.3.Whichregionishighlightedasaleaderindigitalbankinginnovation?A.Haikou.B.Shenzhen.C.Guangdong.D.HongKong.4.Whatdoesthepassagesuggestaboutthefutureofbanking?A.Traditionalbankswilldisappear.B.Digitaltechnologieswillreplaceallmanualprocesses.C.Banksmustbalanceinnovationandriskmanagement.D.Ruralareaswillnevercatchupwithurbanareas.5.Theword"leverage"inthesecondparagraphisclosestinmeaningto:A.Dependon.B.Utilize.C.Challenge.D.Replace.答案與解析：1.A-適配短文主旨，討論數(shù)字銀行對(duì)傳統(tǒng)銀行的影響。2.B-適配短文內(nèi)容，傳統(tǒng)銀行面臨監(jiān)管合規(guī)的挑戰(zhàn)。3.C-適配短文內(nèi)容，廣東省作為數(shù)字銀行創(chuàng)新領(lǐng)先地區(qū)被提及。4.C-適配短文內(nèi)容，強(qiáng)調(diào)銀行需平衡創(chuàng)新與風(fēng)險(xiǎn)管理。5.B-"leverage"意為“利用”，與“utilize”意思最接近。三、完形填空（共10題，每題1分）說明：閱讀以下短文，每空對(duì)應(yīng)一個(gè)選項(xiàng)，選擇最合適的單詞填空。短文：ThefinancialsectorinChinahasundergonerapidtransformationoverthepastdecade.Withthe________ofmobilepayments,thewaypeoplehandlemoneyhasbeenrevolutionized.CompanieslikeAntGroupandAlipayhave________asignificantmarketshare,especiallyincoastalcitiessuchasShanghaiandQingdao.However,thisshifthasalsoraisedconcernsaboutdataprivacyandfinancialsecurity.TheChinesegovernmenthastakenstepsto________theserisksbyintroducingstricterregulations.Forinstance,thenewanti-moneylaundering(AML)lawsrequirebankstoconductmorethoroughbackgroundchecksoncustomers.Despitethesechallenges,the________ofdigitalfinanceisundeniable.Ithasnotonlyimprovedconvenienceforconsumersbutalsocreatednewopportunitiesforsmallbusinesses.Inthecomingyears,theintegrationofblockchainandAIintobankingsystemsisexpectedtofurther________theindustry.選項(xiàng)：A.surgeB.dominatedC.mitigateD.emergenceE.pivotalF.disruptedG.stringentH.adoptionI.proliferationJ.leverage題目：6.The________ofmobilepaymentshaschangedthefinanciallandscape.7.AntGroupandAlipayhave________alargeportionofthemarket.8.Thegovernmenthastakenmeasuresto________financialrisks.9.Theroleofdigitalfinanceintheeconomyis________.10.Theintegrationofnewtechnologieswillfurther________thebankingsector.11.The________ofAMLlawshasincreasedcompliancecostsforbanks.12.Smallbusinesseshavebenefitedfromthe________ofdigitalpaymentsolutions.13.The________ofblockchaintechnologyinfinanceisstillinitsearlystages.14.Banksmustadapttothe________ofremoteworkinthepost-pandemicera.15.The________ofAIinwealthmanagementhasimprovedpersonalizedservices.答案與解析：6.D(emergence)-適配句意，指移動(dòng)支付的興起改變了金融格局。7.B(dominated)-適配句意，指支付寶和螞蟻集團(tuán)占據(jù)市場(chǎng)主導(dǎo)地位。8.C(mitigate)-適配句意，指政府采取措施降低金融風(fēng)險(xiǎn)。9.E(pivotal)-適配句意，指數(shù)字金融在經(jīng)濟(jì)中的作用至關(guān)重要。10.F(disrupted)-適配句意，指新技術(shù)將進(jìn)一步顛覆銀行業(yè)。11.G(stringent)-適配句意，指AML法律的嚴(yán)格性增加了銀行的合規(guī)成本。12.H(adoption)-適配句意，指小型企業(yè)從數(shù)字支付解決方案的普及中受益。13.I(proliferation)-適配句意，指區(qū)塊鏈技術(shù)在金融領(lǐng)域的快速擴(kuò)展。14.A(surge)-適配句意，指后疫情時(shí)代遠(yuǎn)程工作的激增。15.J(leverage)-適配句意，指AI在財(cái)富管理中的應(yīng)用提升了個(gè)性化服務(wù)。四、句子改錯(cuò)（共5題，每題2分）說明：以下句子中各有一處錯(cuò)誤，請(qǐng)指出并改正。題目：1.Thebank’sdigitaltransformationhasbeendrivenbytheneedtoattractmoreyoungcustomersinurbanareas.-Error:________-Correction:________2.Despitethehighcosts,theinvestmentincybersecuritymeasuresisessentialtopreventfraud.-Error:________-Correction:________3.Thenewloanpolicyrequiresborrowerstosubmitthreereferencesinsteadoftwo.-Error:________-Correction:________4.TheintegrationofAIinbankinghasimprovedtheefficiencyofcustomerservicesignificantly.-Error:________-Correction:________5.Thebank’swealthmanagementservicesaredesignedtocatertotheneedsofhigh-net-worthindividualsinAsia.-Error:________-Correction:________答案與解析：1.Error:"more"-Correction:"more"→"alargernumberof"(更清晰的表述)2.Error:"fraud"-Correction:"fraud"→"fraudulentactivities"(更具體)3.Error:"references"-Correction:"references"→"referenceletters"(更正式)4.Error:"efficiency"-Correction:"efficiency"→"theefficiency"(需加定冠詞)5.Error:"Asia"-Correction:"Asia"→"Asianmarkets"(更準(zhǔn)確)五、翻譯填空（共5題，每題2分）說明：將以下中文句子翻譯成英文，每空對(duì)應(yīng)一個(gè)單詞。題目：1.隨著金融科技的快速發(fā)展，傳統(tǒng)銀行必須適應(yīng)數(shù)字化轉(zhuǎn)型。Therapid________offintechhasforcedtraditionalbankstoadaptto________.2.?？谑凶鳛楹Ｄ献再Q(mào)港的核心城市，吸引了大量外資企業(yè)入駐。Asthe________cityofHainan’sfreetradeport,Haikouhasattracteda________offoreigninvestment.3.為了降低運(yùn)營成本，銀行正在優(yōu)化其業(yè)務(wù)流程以提高效率。To________operatingcosts,banksare________theirbusinessprocessestoimproveefficiency.4.數(shù)字貨幣的普及對(duì)現(xiàn)有金融體系產(chǎn)生了深遠(yuǎn)影響。The________ofdigitalcurrencieshashadaprofound________ontheexistingfinancialsystem.5.中國政府正在推動(dòng)綠色金融發(fā)展，以支持可持續(xù)發(fā)展目標(biāo)。TheChinesegovernmentis________greenfinancetosupportsustainable________goals.選項(xiàng)：A.adoptionB.proliferationC.mitigateD.optimizeE.pivotalF.surgeG.incumbentH.clienteleI.leverageJ.pertinent答案與解析：1.F(surge),D(digitalization)-適配句意，指金融科技的激增推動(dòng)傳統(tǒng)銀行數(shù)字化轉(zhuǎn)型。2.E(pivotal),H(clientele)-適配句意，指海口作為海南自貿(mào)港的核心城市吸引大量外資。3.C(mitigate),D(optimize)-適配句意，指銀行通過優(yōu)化流程降低成本。4.B(proliferation),G(impact)-適配句意，指數(shù)字貨幣的普及對(duì)金融體系產(chǎn)生重大影響。5.A(adopting),I(development)-適配句意，指中國政府推動(dòng)綠色金融以支持可持續(xù)發(fā)展目標(biāo)。六、短文改錯(cuò)（共5題，每題2分）說明：以下短文中有5處錯(cuò)誤，請(qǐng)指出并改正。短文：ThedevelopmentofdigitalbankinginChinahasbeenrapidandtransformative.Traditionalbankshavefacedsignificantchallengesinadaptingtotheriseoffintechcompanies,whichoffermoreconvenientandpersonalizedservices.ThesedigitalplatformshavedisruptedthemarketbyleveragingbigdataandAItoimprovecustomerexperiences.However,thegovernmenthasintroducednewregulationstoensurethatthefinancialsectorremainsstab