華夏銀行銀川市賀蘭縣2025秋招筆試英文行測(cè)高頻題含答案第一部分：選詞填空（共5題，每題2分，共10分）場(chǎng)景：銀行業(yè)務(wù)與地方經(jīng)濟(jì)發(fā)展相關(guān)1.Thebank'snewpolicyaimsto______smallbusinessesbyreducingloaninterestrates.A.supportB.restrictC.ignoreD.postpone2.銀川的旅游業(yè)在近年來顯著______，得益于政府推動(dòng)的“一帶一路”文化合作項(xiàng)目。A.decreasedB.developedC.declinedD.delayed3.Toimprovecustomersatisfaction,thebankplansto______digitalbankingserviceswithmorepersonalizedfeatures.A.replaceB.expandC.limitD.cancel4.Theeconomic______inNorthwestChinahasbeenpositivelyimpactedbytheconstructionofthenewrailwayline.A.stabilityB.instabilityC.growthD.recession5.Localfarmershopethebankwill______financialassistanceformodernizingtheirirrigationsystems.A.provideB.refuseC.delayD.decrease第二部分：閱讀理解（共4題，每題3分，共12分）文章主題：金融科技對(duì)銀行業(yè)的影響（結(jié)合銀川本地案例）Passage:Theriseoffintechhastransformedthebankingindustry,especiallyinregionslikeYinchuan,wheretraditionalfinancialservicesareevolvingrapidly.Mobilebankingapps,blockchaintechnology,andAI-drivenriskassessmentarebecomingmainstream.Forinstance,ChinaMerchantsBankhaslaunchedaruralfinanceplatformtoservefarmersinNingxia,leveragingbigdatatopredictcropyieldsandoptimizeloans.However,challengesremain,suchascybersecurityrisksandthedigitaldivideamongelderlypopulations.6.WhatisthemaineffectoffintechonbanksinYinchuan?A.ReducedprofitabilityB.IncreasedcompetitionC.DecreasedcustomerbaseD.Limitedinnovation7.HowdoesChinaMerchantsBankhelpfarmersinNingxia?A.Byofferinglow-interestloansB.ByprovidingofflinebankingservicesC.ByusingbigdataforagriculturalanalysisD.Byencouragingcashtransactions8.Whatproblemdoesthepassagehighlightregardingfintechadoption?A.HighcostsoftechnologyimplementationB.CybersecurityanddigitalinequalityC.GovernmentregulationD.Employeeresistance9.Theword"mainstream"inthepassageisclosestinmeaningto:A.rareB.commonC.outdatedD.expensive第三部分：完形填空（共5題，每題2分，共10分）主題：銀行客戶服務(wù)與管理Lastyear,thePeople’sBankofYinchuanintroducedanew______toimproveservicequality.Theprogramfocusedonthreekeyareas:fastertransactionprocessing,______customerfeedback,andtrainingstaffinemotionalintelligence.Asaresult,customercomplaintsdroppedby40%,andonlinereviewsshoweda25%increaseinsatisfactionscores.However,somebranchesreportedthatthe______approachrequiredmoreinitialinvestmentintechnology.Thebank’sCEOarguedthatlong-termbenefits,suchasreducedoperationalcostsandhigherretentionrates,wouldoutweighthe______.10.Fillintheblank:"Lastyear,thePeople’sBankofYinchuanintroducedanew______toimproveservicequality."A.strategyB.penaltyC.ruleD.policy11.Fillintheblank:"Theprogramfocusedonthreekeyareas:fastertransactionprocessing,______customerfeedback,andtrainingstaffinemotionalintelligence."A.collectingB.ignoringC.delayingD.hiding12.Fillintheblank:"However,somebranchesreportedthatthe______approachrequiredmoreinitialinvestmentintechnology."A.traditionalB.innovativeC.outdatedD.conservative13.Fillintheblank:"Thebank’sCEOarguedthatlong-termbenefits,suchasreducedoperationalcostsandhigherretentionrates,wouldoutweighthe______."A.expensesB.rewardsC.lossesD.profits14.Fillintheblank:"Thebank’sCEOarguedthatlong-termbenefits,suchasreducedoperationalcostsandhigherretentionrates,wouldoutweighthe______."A.expensesB.rewardsC.lossesD.profits第四部分：語法填空（共5題，每題2分，共10分）主題：銀行業(yè)合規(guī)與職業(yè)道德Lastmonth,theChinaBankingandInsuranceRegulatoryCommission(CBIRC)______(issue)awarningaboutfraudulentloanapplications.Employeesarerequiredto______(verify)alldocumentsbeforeapprovaltopreventfinancialcrimes.Ifastaffmember______(discover)suspiciousactivity,theymustreportitimmediatelytothecompliancedepartment.Thebank’scodeofconductemphasizesthatintegrityisthe______(important)valueinthefinancialindustry.15.Completethesentence:"Lastmonth,theChinaBankingandInsuranceRegulatoryCommission(CBIRC)______(issue)awarningaboutfraudulentloanapplications."A.issuedB.issuesC.willissueD.isissuing16.Completethesentence:"Employeesarerequiredto______(verify)alldocumentsbeforeapprovaltopreventfinancialcrimes."A.verifyB.verifiesC.verifiedD.willverify17.Completethesentence:"Ifastaffmember______(discover)suspiciousactivity,theymustreportitimmediatelytothecompliancedepartment."A.discoversB.discoverC.discoveredD.willdiscover18.Completethesentence:"Thebank’scodeofconductemphasizesthatintegrityisthe______(important)valueinthefinancialindustry."A.importantB.moreimportantC.mostimportantD.importantly19.Completethesentence:"Thebank’scodeofconductemphasizesthatintegrityisthe______(important)valueinthefinancialindustry."A.importantB.moreimportantC.mostimportantD.importantly第五部分：翻譯（共3題，每題3分，共9分）主題：銀行業(yè)國際合作20.TranslatethefollowingsentenceintoEnglish:“銀行計(jì)劃與阿拉伯國家銀行合作，推廣跨境支付系統(tǒng)?！?1.TranslatethefollowingsentenceintoChinese:"Thenewanti-moneylaunderinglawrequiresfinancialinstitutionstoconductenhancedduediligenceonhigh-riskclients."22.TranslatethefollowingsentenceintoEnglish:“為了提升國際競(jìng)爭(zhēng)力，華夏銀行正在優(yōu)化其外匯交易服務(wù)?！贝鸢概c解析第一部分：選詞填空1.A(support)解析：銀行業(yè)常通過政策支持小微企業(yè)。2.B(developed)解析：銀川旅游業(yè)受益于“一帶一路”，呈現(xiàn)增長趨勢(shì)。3.B(expand)解析：銀行通過拓展數(shù)字服務(wù)提升客戶體驗(yàn)。4.C(growth)解析：西北地區(qū)經(jīng)濟(jì)受高鐵帶動(dòng)，呈現(xiàn)增長態(tài)勢(shì)。5.A(provide)解析：銀行對(duì)農(nóng)業(yè)提供資金支持是常見實(shí)踐。第二部分：閱讀理解6.B(Increasedcompetition)解析：文章提到fintech帶來行業(yè)變革，競(jìng)爭(zhēng)加劇。7.C(Usingbigdataforagriculturalanalysis)解析：文中明確提及中國銀行利用大數(shù)據(jù)分析農(nóng)業(yè)數(shù)據(jù)。8.B(Cybersecurityanddigitalinequality)解析：文章指出技術(shù)普及面臨網(wǎng)絡(luò)安全和數(shù)字鴻溝問題。9.B(Common)解析："mainstream"意為“主流的，普及的”。第三部分：完形填空10.A(strategy)解析：銀行推出策略性措施提升服務(wù)質(zhì)量。11.A(collecting)