招商銀行三明市三元區(qū)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1（2分）：Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringinstitutionstoadaptquicklytonewmarket______.A.transformedB.revolutionizedC.modernizedD.optimized題2（2分）：Ourteamneedsto______therisksassociatedwiththeruralcreditprogramtoensuresustainablegrowthintheSanmingregion.A.mitigateB.assessC.enhanceD.ignore題3（2分）：ThenewbranchinTuanquanDistrictaimsto______localSMEsbyprovidingtailoredfinancialsolutions.A.facilitateB.hinderC.restrictD.delay題4（2分）：Giventhevolatileeconomicenvironment,itiscrucialto______liquiditymanagementtomeetregulatoryrequirements.A.prioritizeB.neglectC.postponeD.diminish題5（2分）：Thebank’sdigitaltransformationstrategywill______customerengagementbyleveragingbigdataanalytics.A.boostB.reduceC.stabilizeD.diminish二、閱讀理解（共4題，每題3分，共12分）題6（3分）：Thefollowingpassageisadaptedfroma招商銀行2024年區(qū)域業(yè)務(wù)報(bào)告，分析其核心觀點(diǎn)。"Withtheriseofmobilebanking,theimportanceofphysicalbrancheshasdeclined.However,TuanquanDistrictstillfacesagapinfinancialinclusion,particularlyamongelderlypopulations.Ourstrategyistocombinedigitalserviceswithin-personguidancetobridgethisdivide."根據(jù)文意，招商銀行在三元區(qū)的策略是？A.Fullydigitizeservicestoeliminatebranches.B.Focussolelyonelderlyclientsforbranch-basedservices.C.Blenddigitalandtraditionalbankingapproaches.D.Expandbranchnetworkstomatchfintechadoption.題7（3分）：ThepassagediscussestheimpactofinterestratefluctuationsonsmallbusinessesinSanming."InterestratevolatilitydirectlyaffectsloancostsforSMEs,whichrelyheavilyoncreditlines.Astablerateenvironmentwouldenhancetheirinvestmentconfidence,whilefrequenthikescouldleadtodefaults."作者的主要觀點(diǎn)是什么？A.SMEsthriveinhigh-interest-ratemarkets.B.Interestratestabilityisunnecessaryforgrowth.C.RatechangeshavesignificantconsequencesforSMEs.D.BanksshouldavoidlendingtoSMEsduringhikes.題8（3分）：AreporthighlightsthepotentialofgreenfinanceinruralChina."ByfinancingrenewableenergyprojectsinSanming’sruralareas,bankscansupportenvironmentalgoalswhiletappingintolow-risk,high-yieldopportunities.Thegovernment’ssubsidiesfurtherincentivizesuchinvestments."綠色金融在鄉(xiāng)村發(fā)展的主要優(yōu)勢是什么？A.Onlyenvironmentalbenefits,nofinancialreturns.B.Highriskbutattractiveforcorporatesocialresponsibility.C.Balancedrisk-returnwithpolicysupport.D.Exclusivelyforurbanprojects.題9（3分）：ThepassageexaminestheroleofAIinbankingriskmanagement."Machinelearningalgorithmscanpredictcreditdefaultswith85%accuracy,farexceedinghumananalysts.However,ethicalconcernspersistregardingdataprivacyandalgorithmicbias."AI在風(fēng)險(xiǎn)管理中的局限性是什么？A.Cannotprocesslargedatasets.B.Maylackhumanjudgment.C.Istoocostlytoimplement.D.Islimitedtourbanclients.三、句子改錯(cuò)（共5題，每題2分，共10分）題10（2分）："ThenewcreditpolicywilltakeeffectfromJan1,2025,anditwillbeapplytoallloansexceeding500KRMB."（正確表達(dá)）題11（2分）："Althoughthelocaleconomyisimproving,theunemploymentrateinTuanquanDistrictstillremainhigh."（正確表達(dá)）題12（2分）："Thebank’smobileapphasbeenupdatewithanewfeatureforinstantfundtransfers."（正確表達(dá)）題13（2分）："Weneedtoensurethatthebranch’scompliancetrainingmeetthelatestregulatorystandards."（正確表達(dá)）題14（2分）："Iftheloanapprovalprocessisnotstreamline,itmightdelaythedisbursementtoSMEclients."（正確表達(dá)）四、完形填空（共5題，每題2分，共10分）Thefollowingpassageisabouttheimportanceofcustomerserviceinbanking.Fillintheblankswiththemostsuitablewords."Inthecompetitivebankingsector,______(1)canbethedifferencebetweensuccessandfailure.Asatisfiedcustomerismorelikelyto______(2)forthebank,whilepoorservicecanleadto______(3).Forinstance,inSanming,ourbranchinTuanquanDistrict______(4)feedbackfromclientstoimproveitsoperations.Additionally,______(5)withemployeesabouttheirchallengesensureshigherservicequality."1.A.efficiencyB.technologyC.customerserviceD.regulation2.A.switchB.recommendC.hesitateD.withdraw3.A.profitsB.competitionC.attritionD.innovation4.A.collectsB.ignoresC.analyzesD.rejects5.A.rewardingB.ignoringC.involvingD.discouraging五、翻譯（共2題，每題5分，共10分）題15（5分）：將以下句子翻譯成英文："招商銀行三元區(qū)分行致力于通過創(chuàng)新金融產(chǎn)品支持當(dāng)?shù)匦∥⑵髽I(yè)的發(fā)展，同時(shí)嚴(yán)格把控風(fēng)險(xiǎn)，確保業(yè)務(wù)的可持續(xù)性。"題16（5分）：將以下句子翻譯成英文："面對數(shù)字化轉(zhuǎn)型，銀行需平衡科技投入與合規(guī)要求，以實(shí)現(xiàn)效率提升與風(fēng)險(xiǎn)控制的統(tǒng)一。"答案與解析一、選詞填空1.B.revolutionized（革命化）最符合句意，fintech對傳統(tǒng)銀行模式產(chǎn)生了顛覆性影響。2.A.mitigate（減輕）與risk搭配最恰當(dāng)，表示采取措施降低風(fēng)險(xiǎn)。3.A.facilitate（促進(jìn)）符合銀行支持企業(yè)的目的。4.A.prioritize（優(yōu)先處理）強(qiáng)調(diào)流動(dòng)性管理的緊迫性。5.A.boost（提升）符合大數(shù)據(jù)分析對客戶參與度的積極影響。二、閱讀理解6.C.文中提到“結(jié)合數(shù)字服務(wù)與線下指導(dǎo)”，故選C。7.C.作者強(qiáng)調(diào)利率波動(dòng)對SMEs的雙重影響，故選C。8.C.綠色金融兼具環(huán)保與經(jīng)濟(jì)效益，故選C。9.B.文中提到“算法偏見”等倫理問題，故選B。三、句子改錯(cuò)10.apply→applies（第三人稱單數(shù)）11.remain→remains（主謂一致）12.update→updated（被動(dòng)語態(tài)）13.meet→meets（第三人稱單數(shù)）14.streamline→streamlined（被動(dòng)語態(tài)）四、完形填空1.C（customerservice）2.B（recommend）3.C（attrition）4.A（collects）5.C（involving）五、翻譯15."ChinaMerchantsBankTuanquanDistrictBranchiscommittedtosupportingthedevelopmentoflocalsmallandmedium-sizedenterprisesthroughinnovativefinancialproducts,whilestrictly