招商銀行哈爾濱市南崗區(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，總計10分）（注：以下題目結合銀行業(yè)務及哈爾濱地域特點設計）1.Thebank’snewpolicyaimsto______thedigitaltransformationprocess,makingitmoreefficientanduser-friendly.A.accelerateB.postponeC.simplifyD.disrupt2.Despiteeconomic______intheregion,ourbranchinNanGangDistricthasseenasteadyincreaseinloanapplications.A.instabilityB.prosperityC.stagnationD.expansion3.TheHRdepartmentiscurrently______candidatesforthefinancialanalystposition,focusingonthosewithexperienceinthelocalmarket.A.recruitingB.terminatingC.evaluatingD.relocating4.To______compliancerisks,thebankrequiresallemployeestocompleteannualtrainingonanti-moneylaunderingregulations.A.mitigateB.ignoreC.enhanceD.overlook5.ThepartnershipbetweenourbankandlocalSMEshas______thegrowthofsmallbusinessesin哈爾濱.A.acceleratedB.hinderedC.delayedD.stabilized二、閱讀理解（共3題，每題4分，總計12分）（注：文章主題圍繞銀行業(yè)數(shù)字化轉型及哈爾濱經濟發(fā)展）Passage:TheStateBankofChinahaslaunchedapilotprograminHarbintopromoteblockchaintechnologyincross-bordertradefinance.Theinitiative,named"HarbinBlockchainTrade,"aimstostreamlinepaymentprocessesandreducerelianceontraditionalbankingsystems.Accordingtoreports,theprogramhasalreadyfacilitatedtransactionsworthover100millionRMBsinceitsinceptioninJune2024.Participatingenterpriseshavenotedsignificantreductionsintransactiontimesandcosts.However,challengesremain,includingregulatoryhurdlesandtheneedforbroaderindustryadoption.1.Whatistheprimarygoalofthe"HarbinBlockchainTrade"program?A.ToincreasethenumberofemployeesinHarbin.B.Topromotetheuseofblockchainintradefinance.C.Toexpandthebank’soverseasbranches.D.Toreplacetraditionalbankingsystemsentirely.2.Accordingtothepassage,whatbenefitshaveparticipatingenterprisesobserved?A.Highertransactionfees.B.Increasedregulatoryscrutiny.C.Fasterandcheaperpayments.D.Reducedcustomersatisfaction.3.Whatchallengesarementionedasobstaclestotheprogram’ssuccess?A.Highimplementationcosts.B.Lackofgovernmentsupport.C.Regulatoryandadoptionissues.D.Technicalincompetence.三、完形填空（共4題，每題3分，總計12分）（注：段落主題涉及哈爾濱冬季經濟與銀行業(yè)應對策略）Lastwinter,thebankingsectorinHarbinfacedsignificantchallengesduetotheseverecoldweather,whichdisruptedtransportationandcustomeraccesstobranches.Toaddresstheseissues,severallocalbanks,includingChinaMerchantsBank,introducedonline-onlyservicesforcriticaltransactions.Thesemeasuresnotonlyensuredbusinesscontinuitybutalsoreinforcedtheimportanceofdigitalbankinginextremeclimates.Theexperiencehaspromptedregulatorstoconsiderpermanentchangestowinterserviceprotocols.AsHarbinpreparesforanotherharshwinter,banksareexploringadditionalinnovations,suchasmobilebankingappswithenhancedfeatures.Theseeffortshighlighttheindustry’sadaptabilityandcommitmenttocustomerneedsinchallengingenvironments.1.WhatproblemdidHarbin’sseverewintercauseforbanks?A.Increasedprofitsduetohigherdemand.B.Branchclosuresandservicedisruptions.C.Expansionopportunitiesinruralareas.D.Higheremployeeturnover.2.Howdidbanksrespondtothesituation?A.Theyclosedallbranchestemporarily.B.Theyencouragedcustomerstovisitphysicallocations.C.Theyexpandedtheirphysicalbranchnetwork.D.Theyshiftedtodigital-onlyservices.3.Whatlong-termchangesareregulatorsconsidering?A.Eliminatingwinterserviceprotocolsentirely.B.Mandatingmorephysicalbranches.C.Adjustingwinterservicerules.D.Reducingonlinebankingoptions.4.Whatinnovationsarebanksexploringforfuturewinters?A.Moretraditionalbankingmethods.B.Enhanceddigitalbankingsolutions.C.Fewerbankingservices.D.Increasedrelianceoncashtransactions.四、句子改錯（共4題，每題3分，總計12分）（注：題目考察銀行業(yè)務及哈爾濱地域相關表述的準確性）1.Thebank’sannualfinancialreporthighlightsthesignificantgrowthinloanapplicationsfromsmallbusinessesinHarbinsince2023.→(Correct:Noerror)2.Duetothecoldweather,thebanktemporarilysuspendalloutdoorbranchesinHarbinuntiltheweatherimproves.→(Error:"suspend"→"suspended")3.ThenewcreditpolicywillbeimplementedinHarbinnextmonth,affectingallcustomerswithloansexceeding500,000RMB.→(Correct:Noerror)4.Thebank’scustomerserviceteamiscurrentlyunderstaffed,whichleadtolongerwaittimesforinquiries.→(Error:"lead"→"leads")五、翻譯填空（共5題，每題3分，總計15分）（注：將中文句子翻譯成英文，要求符合銀行業(yè)務語境）1.銀行計劃在哈爾濱南崗區(qū)開設一家新的智能銀行，以提升客戶體驗?！鶷hebankplanstoopenanintelligentbankinNanGangDistrict,Harbin,to______customerexperience.(Answer:enhance)2.為了應對冬季低溫，我們加強了哈爾濱分行網點供暖系統(tǒng)?！鶷oaddressthelowtemperaturesinwinter,ourbranchinHarbinhas______theheatingsystem.(Answer:reinforced)3.新的貸款政策旨在支持哈爾濱地區(qū)中小企業(yè)的數(shù)字化轉型?！鶷henewloanpolicyaimstosupportthedigitaltransformationofsmallandmedium-sizedenterprisesinHarbin.(Answer:Nochangeneeded)4.我們鼓勵客戶利用手機銀行App進行日常交易，以減少排隊時間?！鶺eencouragecustomerstousethemobilebankingappfordailytransactionsto______waitingtimes.(Answer:reduce)5.銀行與哈爾濱市政府合作，推動跨境貿易便利化?！鶷hebankhaspartneredwiththeHarbinmunicipalgovernmentto______cross-bordertradefacilitation.(Answer:promote)答案與解析一、選詞填空1.A(accelerate:加速)2.C(stagnation:停滯)3.A(recruiting:招聘)4.A(mitigate:降低)5.A(accelerated:加速)二、閱讀理解1.B(文章明確提到區(qū)塊鏈技術在貿易金融中的應用)2.C(文章提到交易時