浦發(fā)銀行金華市東陽市2025秋招筆試英文行測高頻題含答案一、選詞填空（共5題，每題2分，共10分）題目要求：從下列選項中選出一個最合適的單詞填入句子空白處，使句子意思完整、準確。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialindustrytoadapttonewtechnologies.A.forcedB.encouragedC.influencedD.delayed2.Inthebankingsector,______compliancewithregulatoryrequirementsiscrucialtoavoidlegalpenalties.A.strictadherencetoB.ignoringC.delayingD.misunderstanding3.TheEastYangkoubranchofSPDBhas______amobilebankingapptoimprovecustomerservice.A.launchedB.developedC.plannedD.tested4.FinancialliteracyamongruralresidentsinZhejiangProvinceneedsfurther______toreducerisksinloanapplications.A.promotionB.criticismC.neglectD.opposition5.Thebank’sriskmanagementteammust______potentialfraudcasesbeforetheycausesignificantlosses.A.identifyB.ignoreC.celebrateD.minimize二、閱讀理解（共4題，每題3分，共12分）題目要求：閱讀以下短文，根據(jù)文章內(nèi)容回答問題。Passage:TheriseoffintechhastransformedthebankingindustryinChina.TraditionalbankslikeSPDBarenowinvestingheavilyindigitalplatformstocompetewithtechgiants.AccordingtoareportbythePeople’sBankofChina,60%ofyoungconsumersprefermobilebankingoverin-persontransactions.Thisshifthasforcedbankstoinnovaterapidly,integratingAIandbigdataintotheirservices.However,challengesremain,suchasensuringcybersecurityandbridgingthedigitaldivideinruralareas.TheEastYangkoubranchofSPDB,forexample,haslaunchedaspecialtrainingprogramtoeducatelocalfarmersaboutdigitalbankingtools.1.Whatisthemainimpactoffintechontraditionalbanks?A.Theyarelosingmarketsharetotechcompanies.B.Theyareadaptingbyinvestingindigitalsolutions.C.Theyarecompletelyreplacingfintechfirms.D.Theyareavoidingtechnologicaladvancements.2.Accordingtothepassage,whatpercentageofyoungconsumersprefermobilebanking?A.40%B.50%C.60%D.70%3.Whatisamajorchallengeforbanksinruralareas?A.Highcostsofdigitalinfrastructure.B.Lackofskilledemployees.C.Limitedinternetconnectivity.D.Lowcustomeradoptionofnewtechnologies.4.WhatspecificactionhastheEastYangkoubranchofSPDBtakentoimprovedigitalbankingaccess?A.Introducedanewmobileapp.B.Launchedatrainingprogramforfarmers.C.Reducedloaninterestrates.D.Openedmorephysicalbranches.三、完形填空（共5題，每題2分，共10分）題目要求：閱讀以下短文，根據(jù)上下文選擇最合適的選項填入空白處。ThebankingsectorinChinahasundergonesignificantchangesoverthepastdecade.Withthe______ofsmartphonesandinternetpenetration,digitalbankinghasbecome______forbothbanksandcustomers.However,thisshiftalsobringschallenges,suchastheneedforenhancedcybersecurity.In2023,SPDBreporteda35%increaseindigitaltransactionscomparedtothepreviousyear,highlightingthegrowing______ofcustomersforonlineservices.Toaddressthis,thebankhas______AI-poweredchatbotstoimprovecustomersupport.Despitetheseefforts,someregions,likeruralZhejiang,stillstrugglewith______digitalliteracy.Therefore,banksmustcontinuetoinnovatewhileensuringinclusivityintheirservices.1.A.growthB.declineC.stagnationD.collapse2.A.necessaryB.optionalC.impossibleD.unnecessary3.A.demandB.resistanceC.rejectionD.indifference4.A.implementedB.ignoredC.delayedD.dismissed5.A.lowB.highC.moderateD.constant四、翻譯填空（共5題，每題2分，共10分）題目要求：將以下中文句子翻譯成英文，填入空白處。1.為了提高客戶滿意度，浦發(fā)銀行東陽分行推出了24小時在線客服系統(tǒng)。Toenhancecustomersatisfaction,theEastYangkoubranchofSPDBhaslauncheda______customerservicesystem.A.24-houronlineB.12-hourofflineC.8-hourmobileD.7-dayaweek2.鑒于農(nóng)村地區(qū)金融知識普及率較低，銀行計劃開展專項宣傳活動。Duetothe______financialliteracyinruralareas,thebankplanstolaunchaspecialpromotionalcampaign.A.highB.lowC.averageD.improving3.銀行在貸款審批過程中必須嚴格審查借款人的信用記錄。Duringtheloanapprovalprocess,thebankmust______theborrower’screditrecords.A.ignoreB.overlookC.reviewD.hide4.數(shù)字化轉(zhuǎn)型是浦發(fā)銀行提升競爭力的關(guān)鍵戰(zhàn)略。Digitaltransformationisa______strategyforSPDBtoimproveitscompetitiveness.A.secondaryB.optionalC.keyD.minor5.銀行員工需要定期接受反洗錢培訓以符合監(jiān)管要求。Bankemployeesneedtoreceiveregularanti-moneylaunderingtrainingto______regulatoryrequirements.A.meetB.violateC.ignoreD.challenge五、句子改錯（共5題，每題2分，共10分）題目要求：下列句子中各有一處錯誤，請指出并改正。1.TheEastYangkoubranchofSPDBhasbeenestablishedsince2010.-Error:______-Correct:______2.Despitetheincreasinguseofmobilebanking,manyelderlycustomersstillprefertohandletheirfinancesinperson.-Error:______-Correct:______3.Thebank’sriskmanagementteamfailedtoidentifythefraudcasebeforeitcausedsignificantlosses.-Error:______-Correct:______4.Topromotefinancialinclusion,SPDBhaslaunchedaprogramtoeducateruralresidentsaboutdigitalbanking.-Error:______-Correct:______5.Accordingtothelatestreport,fintechcompaniesaremoreinnovativethantraditionalbanksinChina.-Error:______-Correct:______答案及解析一、選詞填空1.A.forced-解析：數(shù)字銀行的快速發(fā)展迫使傳統(tǒng)金融業(yè)適應新技術(shù)，故選“forced”。2.A.strictadherenceto-解析：銀行業(yè)必須嚴格遵守監(jiān)管要求，避免法律處罰，故選“strictadherenceto”。3.A.launched-解析：東陽分行推出了移動銀行應用，故選“l(fā)aunched”。4.A.promotion-解析：農(nóng)村居民的金融素養(yǎng)需要進一步推廣，以降低貸款申請風險，故選“promotion”。5.A.identify-解析：風險管理團隊必須識別潛在欺詐案件，以避免重大損失，故選“identify”。二、閱讀理解1.B.Theyareadaptingbyinvestingindigitalsolutions.-解析：文章指出傳統(tǒng)銀行通過投資數(shù)字平臺進行轉(zhuǎn)型，故選B。2.C.60%-解析：原文明確提到60%的年輕消費者偏好移動銀行，故選C。3.C.Limitedinternetconnectivity-解析：文章提到農(nóng)村地區(qū)互聯(lián)網(wǎng)普及率低是主要挑戰(zhàn)，故選C。4.B.Launchedatrainingprogramforfarmers-解析：東陽分行通過培訓農(nóng)民提升數(shù)字銀行使用率，故選B。三、完形填空1.A.growth-解析：智能手機和互聯(lián)網(wǎng)的普及推動了數(shù)字銀行業(yè)的發(fā)展，故選“growth”。2.A.necessary-解析：數(shù)字銀行對銀行和客戶都至關(guān)重要，故選“necessary”。3.A.demand-解析：客戶對在線服務的需求增加，故選“demand”。4.A.implemented-解析：銀行引入了AI聊天機器人以改善客服，故選“implemented