平安銀行廣州市花都區(qū)2025秋招筆試英語題專練及答案第一部分：選詞填空（WordChoice填空）說明：每題2分，共10題，共20分。從每題四個選項(xiàng)中選出一個最佳答案填入文中空白處。題目：1.Therapiddevelopmentoffintechhas__________thetraditionalbankingindustrytoinnovateandadapttonewmarketdemands.A)challengedB)supportedC)limitedD)encouraged2.Asafinancialinstitution,PingAnBankemphasizestheimportanceof__________toensurecustomerdatasecurity.A)flexibilityB)transparencyC)efficiencyD)confidentiality3.ThenewbranchinHuaduDistrictaimsto__________thebankingneedsofsmallandmedium-sizedenterprises(SMEs)intheregion.A)ignoreB)overlookC)addressD)neglect4.Thebank’sdigitaltransformationstrategyisdesignedto__________operationalcostswhileimprovingservicequality.A)reduceB)increaseC)stabilizeD)fluctuate5.Theloanapprovalprocessrequiresstrict__________topreventfraudulentactivities.A)supervisionB)negligenceC)relaxationD)approval6.Thebranchmanagerhighlightedtheneedfor__________skillsamongemployeestohandlecomplexfinancialproducts.A)communicationB)technicalC)managerialD)creative7.Thebank’smobileappprovidesa__________platformforcustomerstomanagetheiraccountsanytime,anywhere.A)convenientB)complicatedC)expensiveD)limited8.TheeconomicpoliciesinGuangdongProvincehave__________thegrowthofthebankingsectorinHuadu.A)boostedB)hinderedC)delayedD)stabilized9.Thecustomerserviceteamistrainedto__________issuespromptlyandefficiently.A)delayB)resolveC)ignoreD)escalate10.Thebank’ssustainabilityreportemphasizestheimportanceof__________toreduceenvironmentalimpact.A)wasteB)investmentC)innovationD)conservation第二部分：閱讀理解（ReadingComprehension）說明：每題2分，共10題，共20分。閱讀下面三篇短文，每篇短文后有2-4道題目。題目：Passage1TheriseofdigitalbankinghastransformedthefinanciallandscapeinChina.TraditionalbankslikePingAnhavebeenforcedtoadapttothenewenvironmentbyleveragingtechnology.TheGuangzhouHuadubranchofPingAn,forexample,hasintroducedAI-poweredchatbotstoimprovecustomerservice.Thesechatbotscanhandleroutineinquiries,reducingwaittimesandfreeinguphumanstafftofocusoncomplextasks.However,thedigitalshiftalsobringschallenges,suchascybersecurityrisksandtheneedforcontinuousemployeetraining.Despitetheseissues,thelong-termbenefitsofdigitalbankingareundeniable,astheyallowbankstooperatemoreefficientlyandofferpersonalizedservicestocustomers.Questions:11.Whathasbeenthebiggestimpactofdigitalbankingontraditionalbanks?A)IncreasedcompetitionB)DeclineincustomersatisfactionC)TechnologicalinnovationD)Higheroperationalcosts12.WhyareAI-poweredchatbotsbeingusedinthePingAnHuadubranch?A)ToreplacehumanstaffB)ToimprovecustomerserviceC)ToincreasebranchrevenueD)ToreduceregulatorycompliancePassage2Smallandmedium-sizedenterprises(SMEs)inGuangdongProvinceoftenfacedifficultiesinsecuringloansfrombanksduetostringentlendingcriteria.However,PingAnBankhastakenstepstoaddressthisissuebylaunchingaspecializedSMEloanprogram.Thisprogramoffersflexiblerepaymenttermsandlowerinterestratescomparedtotraditionalloans.ThebankhasalsopartneredwithlocalgovernmentagenciestoprovidefinancialadviceandsupporttoSMEs.TheinitiativehasbeensuccessfulinboostingSMEgrowthinHuaduDistrict,wheremanybusinessesrelyonaccesstocapitalforexpansion.Yet,thebankacknowledgesthatmoreneedstobedonetoensurelong-termsustainabilityfortheseenterprises.Questions:13.WhatproblemdoSMEsinGuangdongProvincefaceregardingloans?A)ToomanyloanoptionsB)ExcessiveinterestratesC)StrictlendingcriteriaD)Lackofgovernmentsupport14.HowhasPingAnBankhelpedSMEsinHuaduDistrict?A)ByincreasingloaninterestratesB)BylimitingtheiraccesstocapitalC)ByofferingspecializedloanprogramsD)ByreducingtheirbusinesspartnershipsPassage3Environmentalsustainabilityhasbecomeakeyfocusforfinancialinstitutionsinrecentyears.PingAnBankhastakenaleadershiproleinthisareabyintegratinggreenfinanceintoitsbusinessmodel.Thebankhasinvestedheavilyinrenewableenergyprojectsandprovidedgreenloanstocompaniesthatpromoteenvironmentalprotection.InHuaduDistrict,whereindustrialdevelopmenthasledtoenvironmentalconcerns,PingAn’seffortshavebeenparticularlyimpactful.Thebankhasalsolaunchedawarenesscampaignstoeducatecustomersaboutsustainablefinancialpractices.Whileprogresshasbeenmade,thereisstillmuchworktobedonetoalignthebankingsectorwithglobalsustainabilitygoals.Questions:15.WhatisthemainfocusofPingAnBank’ssustainabilitystrategy?A)ProfitmaximizationB)EnvironmentalconservationC)CustomerretentionD)Employeesatisfaction16.HowhasPingAnBankcontributedtoenvironmentalprotectioninHuaduDistrict?A)ByreducingitsowncarbonfootprintB)ByinvestingingreenprojectsC)ByminimizingloanapprovalsD)Byclosingdownindustrialclients第三部分：完形填空（ClozeTest）說明：每題1分，共10題，共10分。從每題四個選項(xiàng)中選出一個最佳答案填入文中空白處。題目：ThebankingsectorinGuangdongProvincehasundergonesignificantchangesinthepastdecade.Withtherapidgrowthoffintech,traditionalbankshavehadto__________theirbusinessmodelstostaycompetitive.PingAnBank,forinstance,has__________digitalbankingsolutionstomeetcustomerdemands.TheHuadubranch,inparticular,has__________areputationforitsinnovativeservices.Thishasnotonly__________customersatisfactionbutalso__________thebank’smarketshare.However,the__________isnotwithoutchallenges.Thebankmustcontinuously__________tonewtechnologiesandregulatorychanges.Onlythencanit__________itspositionasaleaderinthefinancialindustry.1.A)adaptB)ignoreC)expandD)reduce2.A)introducedB)eliminatedC)criticizedD)rejected3.A)establishedB)damagedC)weakenedD)ignored4.A)improvedB)decreasedC)reducedD)stabilized5.A)increasedB)diminishedC)fluctuatedD)remained6.A)processB)challengeC)opportunityD)threat7.A)respondsB)adaptsC)resistsD)ignores8.A)maintainB)loseC)expandD)shrink第四部分：翻譯填空（TranslationCloze）說明：每題2分，共5題，共10分。將括號中的中文句子翻譯成英文，填入文中空白處。題目：ThesuccessofPingAnBank’sHuadubranchcanbeattributedtoseveralfactors.First,thebankhas__________(注重客戶體驗(yàn))byofferingpersonalizedservices.Second,thebranchhas__________(加強(qiáng)風(fēng)險管理)toensurefinancialstability.Third,thebankhas__________(積極推動數(shù)字化轉(zhuǎn)型)toimproveefficiency.Theseeffortshave__________(提升品牌影響力)inthelocalmarket.Finally,thebankhas__________(與當(dāng)?shù)仄髽I(yè)合作)tosupporteconomicdevelopmentintheregion.第五部分：寫作（EssayWriting）說明：15分。根據(jù)提示寫一篇150-200字的短文。題目："Digitalbankinghasrevolutionizedthewaypeoplemanagetheirfinances.Discusstheadvantagesanddisadvantagesofdigitalbankingforbothbanksandcustomers."答案及解析第一部分：選詞填空1.A)challenged解析：Fintech的興起對傳統(tǒng)銀行業(yè)提出了挑戰(zhàn)，要求其創(chuàng)新以適應(yīng)市場。2.D)confidentiality解析：銀行強(qiáng)調(diào)數(shù)據(jù)保密性以保護(hù)客戶信息安全。3.C)address解析：新分行旨在解決當(dāng)?shù)刂行∑髽I(yè)的銀行業(yè)務(wù)需求。4.A)reduce解析：數(shù)字化轉(zhuǎn)型旨在降低運(yùn)營成本。5.A)supervision解析：貸款審批流程需要嚴(yán)格監(jiān)管以防止欺詐。6.B)technical解析：員工需要技術(shù)能力來處理復(fù)雜的金融產(chǎn)品。7.A)convenient解析：手機(jī)銀行提供便捷的平臺供客戶隨時管理賬戶。8.A)boosted解析：廣東經(jīng)濟(jì)政策促進(jìn)了銀行業(yè)在花都的增長。9.B)resolve解析：客服團(tuán)隊(duì)被培訓(xùn)以快速有效地解決問題。10.D)conservation解析：銀行可持續(xù)發(fā)展報告強(qiáng)調(diào)減少環(huán)境影響。第二部分：閱讀理解11.C)Technologicalinnovation解析：文章指出數(shù)字銀行業(yè)推動傳統(tǒng)銀行業(yè)創(chuàng)新。12.B)Toimprovecustomerservice解析：AI聊天機(jī)器人用于提升客戶服務(wù)效率。13.C)Strictlendingcriteria解析：文章提到中小企業(yè)貸款困難，主要因銀行審批標(biāo)準(zhǔn)嚴(yán)格。14.C)Offeringspecializedloanprograms解析：平安銀行推出專門針對中小企業(yè)的貸款計劃。15.B)Environmentalconservation解析：文章強(qiáng)調(diào)平安銀行將綠色金融作為可持續(xù)發(fā)展策略重點(diǎn)。16.B)Investingingreenprojects解析：平安銀行通過投資綠色項(xiàng)目支持環(huán)保。第三部分：完形填空1.A)adapt解析：銀行業(yè)需適應(yīng)市場變化。2.A)introduced解析：平安銀行引入數(shù)字銀行解決方案。3.A)established解析：花都分行建立了創(chuàng)新服務(wù)聲譽(yù)。4.A)improved解析：創(chuàng)新服務(wù)提升了客戶滿意度。5.A)increased解析：銀行市場份額增加。6.B)challenge解析：銀行業(yè)面臨挑戰(zhàn)。7.B)adapts解析：銀行需適應(yīng)新技術(shù)和監(jiān)管變化。8.A)maintain解析：銀行需保持市場領(lǐng)導(dǎo)地位。第四部分：翻譯填空1.emphasizescustomerexperience解析：注重客戶體驗(yàn)。2.strengthensriskmanagement解析：加強(qiáng)風(fēng)險管理。3.activelypromotesdigitaltransformation解析：積極推動數(shù)字化轉(zhuǎn)型。4.enhancesb