興業(yè)銀行泉州市鯉城區(qū)2025秋招筆試英語題專練及答案第一部分：詞匯選擇（共10題，每題1分）說明：從每題四個選項中選出一個最佳答案填入空白處。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovate.A.forcedB.enabledC.replacedD.ignored2.鯉城區(qū)的中小企業(yè)在申請貸款時，常因缺乏______資料而遇到困難。A.financialB.legalC.supportingD.administrative3.興業(yè)銀行在泉州分行推出綠色信貸產(chǎn)品，以______當(dāng)?shù)仄髽I(yè)的可持續(xù)發(fā)展。A.promoteB.limitC.delayD.ignore4.ThenewbranchinJinfuSquareisdesignedto______customersfromallagegroups.A.attractB.excludeC.ignoreD.exclude5.Digitalbankinghas______theneedforphysicalpaperworkinmanytransactions.A.eliminatedB.increasedC.reducedD.expanded6.Thebank'sriskmanagementteammust______strictcompliancewithlocalregulations.A.followB.ignoreC.challengeD.weaken7.The______loanprogramtargetsstartupswithhighgrowthpotentialinXiamen.A.conservativeB.innovativeC.traditionalD.risky8.鯉城區(qū)的房產(chǎn)市場在2024年經(jīng)歷了______波動，但整體仍保持穩(wěn)定增長。A.minorB.significantC.negligibleD.moderate9.Themobilebankingappprovidesa______platformforreal-timefundtransfers.A.secureB.unstableC.complicatedD.inefficient10.Thebank'sCSRinitiativesaimto______thecommunitythroughfinancialliteracyprograms.A.enrichB.neglectC.harmD.isolate第二部分：閱讀理解（共5題，每題2分）說明：閱讀以下短文，從每題四個選項中選出一個最佳答案。Passage1TheriseofdigitalbankinghastransformedthefinanciallandscapeinChina,particularlyincoastalregionslikeQuanzhou.Traditionalbanks,includingIndustrial-CommercialBankofChina,areincreasinglyadoptingmobile-firststrategiestocatertoyoungerdemographics.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,over60%ofurbanresidentsinFujianProvinceusedigitalbankingservicesdaily.However,challengesremain,suchascybersecurityrisksandthedigitaldivideamongoldercustomers.LocalbankslikeIndustrial-CommercialBankofChinaareworkingtobridgethisgapthroughofflineworkshopsandsimplifiedinterfaces.1.Whatisthemainfocusofthepassage?A.ThegrowthoftraditionalbanksinQuanzhou.B.TheimpactofdigitalbankingonFujian'seconomy.C.Cybersecuritychallengesinthefinancialsector.D.Governmentpoliciesondigitalbanking.2.Whyareoldercustomersstillaconcernforbanks?A.Theypreferphysicaltransactions.B.Theylackdigitalliteracy.C.Theyaremorevulnerabletofraud.D.Theydistrusttechnology.3.Whichbankismentionedasadaptingtodigitaltrends?A.Industrial-CommercialBankofChina.B.BankofChina.C.AgriculturalBankofChina.D.ChinaMerchantsBank.Passage2LichengDistrict,Quanzhou,hasbecomeahubforsmallandmedium-sizedenterprises(SMEs)inFujian.However,thesebusinessesoftenstrugglewithlimitedaccesstofinancing.Industrial-CommercialBankofChinahasintroducedaspecializedloanprogramtoaddressthisissue.Theprogramoffersflexibleterms,includinglowerinterestratesforenvironmentallyfriendlyprojects.A2023surveyfoundthat70%ofSMEsinLichengbenefitedfromtheseinitiatives.ThebankalsoprovidesfinancialadvisoryservicestohelpSMEsimprovetheircreditworthiness.4.Whatistheprimarypurposeoftheloanprogram?A.Toincreasebankprofits.B.Tosupportsustainabledevelopment.C.Toexpandthebank'smarketshare.D.Toreduceloandefaults.5.Accordingtothesurvey,whatisthemostsignificantoutcomeoftheprogram?A.Itboostedbankrevenue.B.ItimprovedSMEcreditratings.C.Itreducedinterestratesforallborrowers.D.ItencouragedSMEstoinvestinrealestate.第三部分：完形填空（共10題，每題1分）說明：閱讀以下短文，從每題四個選項中選出一個最佳答案填入空白處。ThefinancialsectorinQuanzhouhasseenremarkablechangesinrecentyears.Withtheriseoffintech,bankslikeIndustrial-CommercialBankofChinahave______(6)theirservicestomeetcustomerdemands.Digitalplatformshave______(7)traditionalbranches,allowingclientstoaccessbankingservicesanytime,anywhere.However,thisshifthasalso______(8)newchallenges,suchasdatasecurityconcerns.Toaddresstheseissues,thebankhas______(9)adedicatedcybersecurityteam.Additionally,thebankhas______(10)communityprogramstopromotefinancialinclusion.6.A.adaptedB.ignoredC.reducedD.simplified7.A.replacedB.complementedC.diminishedD.eliminated8.A.raisedB.solvedC.ignoredD.created9.A.establishedB.weakenedC.abandonedD.neglected10.A.launchedB.canceledC.delayedD.reduced第四部分：翻譯（共5題，每題2分）說明：將以下中文句子翻譯成英文。1.興業(yè)銀行在泉州推出了多項創(chuàng)新金融產(chǎn)品，以支持當(dāng)?shù)仄髽I(yè)的發(fā)展。2.隨著利率市場化改革的推進(jìn)，銀行需要更加靈活地調(diào)整信貸策略。3.泉州市鯉城區(qū)的居民可以通過手機(jī)銀行APP進(jìn)行便捷的轉(zhuǎn)賬操作。4.銀行監(jiān)管機(jī)構(gòu)要求金融機(jī)構(gòu)加強(qiáng)反洗錢措施的執(zhí)行力度。5.綠色金融是興業(yè)銀行未來發(fā)展的重點(diǎn)方向之一。第五部分：寫作（共1題，10分）說明：寫一篇150-200字的短文，討論“數(shù)字化轉(zhuǎn)型對銀行的影響”。答案及解析第一部分：詞匯選擇1.A(forced)解析：fintech的快速發(fā)展迫使傳統(tǒng)銀行業(yè)必須創(chuàng)新。2.C(supporting)解析：中小企業(yè)常因缺乏輔助材料（如財務(wù)報表）而貸款困難。3.A(promote)解析：綠色信貸旨在促進(jìn)當(dāng)?shù)仄髽I(yè)的可持續(xù)發(fā)展。4.A(attract)解析：新分行旨在吸引不同年齡段的客戶。5.A(eliminated)解析：數(shù)字銀行消除了許多交易中的紙質(zhì)文件需求。6.A(follow)解析：風(fēng)險管理團(tuán)隊必須遵守當(dāng)?shù)胤ㄒ?guī)。7.B(innovative)解析：該貸款計劃針對廈門的高增長初創(chuàng)企業(yè)。8.B(significant)解析：鯉城區(qū)的房產(chǎn)市場在2024年經(jīng)歷了顯著波動。9.A(secure)解析：移動銀行APP提供安全的實(shí)時轉(zhuǎn)賬平臺。10.A(enrich)解析：CSR項目通過金融知識普及豐富社區(qū)。第二部分：閱讀理解1.B解析：文章主要討論數(shù)字銀行對福建經(jīng)濟(jì)的影響。2.B解析：老年人缺乏數(shù)字技能，導(dǎo)致銀行服務(wù)難以覆蓋。3.A解析：文章明確提到Industrial-CommercialBankofChina在適應(yīng)數(shù)字趨勢。4.B解析：貸款計劃的主要目的是支持環(huán)保項目。5.B解析：調(diào)查顯示，70%的中小企業(yè)信用評級得到改善。第三部分：完形填空6.A(adapted)解析：銀行調(diào)整服務(wù)以適應(yīng)市場變化。7.B(complemented)解析：數(shù)字平臺補(bǔ)充而非取代傳統(tǒng)網(wǎng)點(diǎn)。8.D(created)解析：數(shù)字化轉(zhuǎn)型創(chuàng)造了新的安全挑戰(zhàn)。9.A(established)解析：銀行成立專門的安全團(tuán)隊。10.A(launched)解析：銀行啟動社區(qū)金融普惠計劃。第四部分：翻譯1.Industrial-CommercialBankofChinahasintroducedseveralinnovativefinancialproductsinQuanzhoutosupportthedevelopmentoflocalenterprises.2.Withtheadvancementofinterestrateliberalization,banksneedtoadjusttheircreditstrategiesmoreflexibly.3.ResidentsinLichengDistrict,Quanzhou,canconvenientlytransferfundsthroughthemobilebankingapp.4.Regulatoryauthoritiesrequirefinancialinstitutionstostrengthentheimplementationofanti-moneylaunderingmeasures.5.GreenfinanceisoneofthekeydirectionsforthefuturedevelopmentofIndustrial-CommercialBankofChina.第五部分：寫作SampleAnswer:Thedigitaltransformationhasre