廣發(fā)銀行溫州市平陽縣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）1.Therapiddevelopmentofdigitalbankinghasbroughtbothopportunitiesand______totraditionalfinancialinstitutionslikeGuangfaBank.A.challengesB.innovationsC.profitsD.reforms2.Inordertoenhancecustomersatisfaction,thebranchinPingyangshouldfocuson______servicequalityandpersonalizedfinancialsolutions.A.improvingB.reducingC.maintainingD.eliminating3.Theannualfinancialreporthighlightsthebank'scommitmenttosustainablegrowth,emphasizingtheimportanceof______risksintheregionalmarket.A.mitigatingB.ignoringC.increasingD.diversifying4.Withtheriseoffintech,GuangfaBankmustadaptitsbusinessmodelto______thecompetitivelandscapeinZhejiangprovince.A.overcomeB.alignwithC.ignoreD.challenge5.Thenewcreditassessmentsystemaimsto______loandefaultsbyanalyzingbigdataandimprovingriskmanagement.A.reduceB.eliminateC.delayD.promote二、語句排序（共1題，每題5分，共5分）Arrangethefollowingsentencesintoalogicalparagraph:①Theplatformprovidesreal-timefinancialnewsandmarketanalysis.②Italsosupportsmobilebankingservices,enablingcustomerstotransferfundsorpaybillsanytime.③ThedigitalbankingappdevelopedbyGuangfaBankhasgainedwidespreadpopularityamongyoungprofessionalsinPingyang.④Additionally,theappintegratesAI-poweredchatbotsfor24/7customersupport.⑤Userscanalsosetupautomaticsavingsplanstooptimizetheirfinancialhabits.三、閱讀理解（共3題，每題4分，共12分）Passage:TheChinesebankingsectorisundergoingasignificanttransformationasdigitalizationreshapestheindustry.TraditionalbankslikeGuangfaareadoptingfintechsolutionstostaycompetitive.InZhejiangprovince,Pingyang—acountywithagrowingeconomy—hasbecomeahubforfinancialinnovation.ThePeople'sBankofChinahasencouragedbankstoleveragebigdataandcloudcomputingtoimproveserviceefficiency.However,challengesremain,suchasensuringdatasecurityandbridgingthedigitaldivideamongruralcustomers.1.Whatisthemainfocusofthepassage?A.TheeconomicgrowthofPingyang.B.Theimpactofdigitalizationonbanking.C.ThepoliciesofthePeople'sBankofChina.D.Thechallengesofruralbanking.2.Accordingtothepassage,whyarebanksadoptingfintechsolutions?A.Toincreaseprofits.B.Toreducecosts.C.Tomeetregulatoryrequirements.D.Toimprovecustomerexperience.3.Whichofthefollowingismentionedasachallengeinthebankingsector?A.Highcompetition.B.Limitedtechnologicalinfrastructure.C.Excessivegovernmentregulation.D.Lowcustomersatisfaction.四、邏輯推理（共4題，每題3分，共12分）1.Ifacustomerfrequentlyusesmobilebankingservices,itismorelikelythatthey:A.Areelderlyandprefertraditionalbanking.B.Areyoungprofessionalswhovalueconvenience.C.Liveinruralareaswithpoorinternetaccess.D.Havelowincomeandcannotaffordfancyservices.2.WhichofthefollowingstrategieswouldbesthelpGuangfaBankexpanditsmarketshareinPingyang?A.Offeringhigherinterestratesonsavingsaccounts.B.Investingheavilyinofflinebranches.C.Partneringwithlocalbusinessesforcross-promotion.D.Focusingsolelyonwealthmanagementproducts.3.Ifaloanapplicanthasapoorcredithistory,whatisthebanklikelytodo?A.Approvetheloanimmediatelytogeneraterevenue.B.Requestadditionalcollateraltomitigaterisk.C.Refusetheloanwithoutfurtherevaluation.D.Offeraloanwithveryhighinterestrates.4.Whichofthefollowingisanexampleofasustainablebankingpractice?A.Maximizingshort-termprofitsattheexpenseofenvironmentalresponsibility.B.Encouragingcustomerstotakeonexcessivedebt.C.Investingingreenfinancingprojects.D.Reducingstafftocutcosts.五、計(jì)算題（共2題，每題4分，共8分）1.AbranchofGuangfaBankinPingyangserved1,200customersinJune.IftheaveragetransactionvaluewasRMB5,000,whatwasthetotaltransactionvolumeforthemonth?A.RMB6,000,000B.RMB5,000,000C.RMB3,000,000D.RMB2,500,0002.AloanofficeratGuangfaBankapprovedthreemortgageswithprincipalamountsofRMB2,000,000,RMB1,800,000,andRMB2,500,000.Iftheinterestrateis4.5%,whatwasthetotalinterestincomeforthefirstmonth(assumingmonthlycompounding)?A.RMB20,250B.RMB22,500C.RMB18,750D.RMB25,000答案與解析一、選詞填空1.A.challenges（數(shù)字銀行的快速發(fā)展給傳統(tǒng)金融機(jī)構(gòu)帶來了機(jī)遇和挑戰(zhàn)。）2.A.improving（為了提升客戶滿意度，平陽分行應(yīng)注重提升服務(wù)質(zhì)量和個(gè)人化金融解決方案。）3.A.mitigating（年報(bào)強(qiáng)調(diào)了銀行對可持續(xù)發(fā)展的承諾，強(qiáng)調(diào)了在區(qū)域市場降低風(fēng)險(xiǎn)的重要性。）4.B.alignwith（隨著金融科技的興起，廣發(fā)銀行必須調(diào)整其商業(yè)模式以適應(yīng)浙江地區(qū)的競爭格局。）5.A.reduce（新的信用評估系統(tǒng)旨在通過分析大數(shù)據(jù)和提高風(fēng)險(xiǎn)管理來降低貸款違約率。）二、語句排序③⑤①④②（廣發(fā)銀行開發(fā)的數(shù)字銀行APP在平陽年輕專業(yè)人士中廣受歡迎。用戶還可以設(shè)置自動儲蓄計(jì)劃以優(yōu)化他們的財(cái)務(wù)習(xí)慣。該平臺提供實(shí)時(shí)金融新聞和市場分析。此外，該APP集成了人工智能驅(qū)動的聊天機(jī)器人，提供全天候客戶支持。它還支持移動銀行服務(wù)，使客戶可以隨時(shí)隨地進(jìn)行轉(zhuǎn)賬或支付賬單。）三、閱讀理解1.B.Theimpactofdigitalizationonbanking（文章主要關(guān)注數(shù)字化對銀行業(yè)的影響。）2.D.Toimprovecustomerexperience（銀行采用金融科技是為了改善客戶體驗(yàn)。）3.B.Limitedtechnologicalinfrastructure（文章提到農(nóng)村地區(qū)技術(shù)基礎(chǔ)設(shè)施有限是一個(gè)挑戰(zhàn)。）四、邏輯推理1.B.Areyoungprofessionalswhovalueconvenience（經(jīng)常使用移動銀行服務(wù)的客戶更可能是重視便利性的年輕專業(yè)人士。）2.C.Partneringwithlocalbusinessesforcross-promotion（與當(dāng)?shù)仄髽I(yè)合作進(jìn)行交叉推廣將有助于擴(kuò)大市場份額。）3.B.Requestadditionalcollateraltomitigate