招商銀行石家莊市橋西區(qū)2025秋招筆試英語(yǔ)題專練及答案一、詞匯選擇（5題，每題2分，共10分）說(shuō)明：從下列選項(xiàng)中選出一個(gè)最符合句意的單詞填空。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.limitedD.supported2.Asafinancialcenter,石家莊has______asignificantnumberofbankinginstitutionsinrecentyears.A.attractedB.decreasedC.ignoredD.abandoned3.Thenewpolicyaimsto______smallbusinessesbyprovidinglow-interestloans.A.stimulateB.weakenC.delayD.reduce4.Theinterviewpanelwasparticularlyimpressedbythecandidate’s______ofmarkettrends.A.ignoranceB.awarenessC.denialD.confusion5.Digitaltransformationhas______theefficiencyofbankingoperationsintheregion.A.decreasedB.increasedC.ignoredD.remained二、閱讀理解（3篇，每篇2題，每題2分，共12分）Passage1Theriseofmobilebankinghasrevolutionizedthewaypeoplemanagetheirfinances.Incitieslike石家莊,wheretraditionalbankinginfrastructureisstilldeveloping,mobileappshavebecomeaprimarytoolforcustomers.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,over70%ofurbanresidentsinthecountrynowprefermobilebankingoverphysicalbranches.Thisshifthasnotonlyimprovedconveniencebutalsoreducedoperationalcostsforbanks.However,italsoposeschallengesforbankstoensuredatasecurityanduserprivacy.1.Whatisthemainpurposeofmobilebankingincitieslike石家莊?A.Toreplacetraditionalbanksentirely.B.Toprovideconvenienceandreducecosts.C.Toincreasethenumberofphysicalbranches.D.Totargetruralareasexclusively.2.Accordingtothepassage,whatisonechallengeforbanksinthemobilebankingera?A.Highcustomersatisfaction.B.Limiteduserengagement.C.Datasecurityandprivacyconcerns.D.Decreasedappdownloads.Passage2TheChinesegovernmenthasrecentlyintroducednewregulationstosupportthegrowthofgreenfinance.Inregionslike石家莊,whereindustrialpollutionhasbeenaconcern,greenbondsandsustainability-linkedloansarebeingencouraged.Thesefinancialinstrumentshelpcompaniesinvestineco-friendlytechnologiesandprojects.A2023studybythePeople’sBankofChinafoundthatgreenfinancecouldreducecarbonemissionsby10%inthenextdecade.ThisinitiativealignswithChina’sgoalofachievingcarbonneutralityby2060.However,italsorequiresbankstoadapttheirriskassessmentmodelstoincludeenvironmentalfactors.3.Whatistheprimarygoalofthenewgreenfinanceregulations?A.Toincreaseindustrialproduction.B.Topromotesustainabledevelopment.C.Toreducegovernmentspending.D.Toencouragetraditionalbankingpractices.4.Howmightbanksbeaffectedbytheseregulations?A.Theywillnolongerneedtoassessenvironmentalrisks.B.Theywillfacehighercompliancecosts.C.Theywillbeexemptfromgreenfinancerequirements.D.Theywillfocussolelyongreenbonds.Passage3Inthepastdecade,thebankingsectorin石家莊hasseensignificantchangesduetotechnologicaladvancements.Theintegrationofartificialintelligence(AI)andbigdataanalyticshasimprovedloanapprovalprocessesandfrauddetection.Forinstance,alocalbankinthecityhasimplementedanAI-drivensystemthatreducesthetimeforloanapplicationsfromweekstodays.Additionally,theriseofremoteworkhasledtoashiftincustomerservice,withmorebanksofferingonlineconsultationsandvirtualassistants.Whilethesechangeshaveimprovedefficiency,theyhavealsoraisedconcernsaboutjobdisplacementintheindustry.5.WhathasbeenamajorimpactofAIinthebankingsectorin石家莊?A.Increasedjobopportunities.B.Reducedloanapprovaltimes.C.Higheroperationalcosts.D.Decreasedcustomersatisfaction.6.Whatisoneconcernassociatedwithtechnologicaladvancementsinbanking?A.Improvedcustomerservice.B.Increasedregulatoryscrutiny.C.Jobdisplacement.D.Enhancedsecuritymeasures.三、語(yǔ)法填空（5題，每題2分，共10分）說(shuō)明：根據(jù)上下文，用所給單詞的正確形式填空。1.Thebankhasbeeninvestingindigitalinfrastructureto______(improve)serviceefficiency.2.Duetothepandemic,manycustomershave______(shift)theirtransactionsonline.3.Thegovernment’seconomicpoliciesaredesignedto______(support)smallandmedium-sizedenterprises.4.Despitethechallenges,thebank’sprofitabilityhas______(remain)stableinrecentquarters.5.Thenewbranchin石家莊isexpectedto______(attract)alargenumberoflocalcustomers.四、完形填空（1篇，8題，每題2分，共16分）PassageThebankingindustryin石家莊hasundergonerapidtransformationoverthepastdecade.Withtheriseoffintech,traditionalbankshavehadtoadapttonewtechnologiestostaycompetitive.Oneofthemostsignificantchangeshasbeentheshiftfromin-persontransactionstodigitalplatforms.Accordingtoa2023surveybythelocalbankingassociation,over60%ofcustomersnowpreferonlinebankingforitsconvenience.However,thisshifthasnotbeenwithoutchallenges.Bankshavehadtoinvestheavilyincybersecuritytoprotectcustomerdata.Additionally,theriseofdigitalbankinghasledtoconcernsaboutjoblossesinthesector.Manybanktellersandbranchmanagershavebeenreplacedbyautomatedsystems.Despitetheseissues,thetrendtowarddigitalbankingislikelytocontinue.Banksthatfailtoadaptmaystruggletoretaincustomersinthelongrun.1.Whathasbeenthemostsignificantchangeinthebankingindustryin石家莊?A.Increasedphysicalbranchopenings.B.Theshifttodigitalplatforms.C.Higherprofitabilityduetofintech.D.Greatergovernmentsupport.2.Accordingtothesurvey,whatpercentageofcustomerspreferonlinebanking?A.50%B.60%C.70%D.80%3.Whathasbeenonechallengeforbanksduetotheshifttodigitalbanking?A.Reducedcustomersatisfaction.B.Increasedcybersecurityrisks.C.Lowerprofitability.D.Fewerjobopportunities.4.Whathasbeenreplacedbyautomatedsystemsinthebankingsector?A.Digitalbankingplatforms.B.Banktellersandbranchmanagers.C.Customerservicerepresentatives.D.Investmentadvisors.5.Whatisthelikelyfutureofthebankingindustryin石家莊?A.Areturntotraditionalbankingpractices.B.Continuedrelianceondigitalbanking.C.Closureofmostphysicalbranches.D.Focussolelyonfintechcompanies.6.Whydobanksneedtoadapttonewtechnologies?A.Toreducecosts.B.Tostaycompetitive.C.Topleaseregulators.D.Toattractmorecustomers.7.Whathasbeenaconcernforemployeesinthebankingsector?A.Highersalaries.B.Jobdisplacement.C.Betterworkingconditions.D.Increasedtrainingopportunities.8.Whatdoesthepassagesuggestaboutthebankingindustryin石家莊inthefuture?A.Itwillbecomelessdigital.B.Itwillremainunchanged.C.Itwillcontinuetoevolve.D.Itwillfocusonruralareas.五、翻譯（2題，每題5分，共10分）說(shuō)明：將下列句子翻譯成英語(yǔ)。1.招商銀行通過(guò)推出創(chuàng)新金融產(chǎn)品，積極支持當(dāng)?shù)刂行∑髽I(yè)的快速發(fā)展。2.隨著石家莊成為區(qū)域性金融中心，銀行需要進(jìn)一步提升服務(wù)質(zhì)量和效率以滿足市場(chǎng)需求。答案及解析一、詞匯選擇1.A.forced解析：Therapiddevelopmentoffintechhasforcedthetraditionalbankingindustrytoinnovateandadapt.（金融科技的快速發(fā)展迫使傳統(tǒng)銀行業(yè)必須創(chuàng)新和適應(yīng)。）2.A.attracted解析：Asafinancialcenter,石家莊hasattractedasignificantnumberofbankinginstitutionsinrecentyears.（作為金融中心，石家莊近年來(lái)吸引了大量銀行機(jī)構(gòu)。）3.A.stimulate解析：Thenewpolicyaimstostimulatesmallbusinessesbyprovidinglow-interestloans.（新政策旨在通過(guò)提供低息貸款刺激中小企業(yè)發(fā)展。）4.B.awareness解析：Theinterviewpanelwasparticularlyimpressedbythecandidate’sawarenessofmarkettrends.（面試小組對(duì)候選人了解市場(chǎng)趨勢(shì)印象深刻。）5.B.increased解析：Digitaltransformationhasincreasedtheefficiencyofbankingoperationsintheregion.（數(shù)字化轉(zhuǎn)型提高了該地區(qū)銀行業(yè)務(wù)的效率。）二、閱讀理解Passage11.B.Toprovideconvenienceandreducecosts.解析：Thepassagestatesthatmobilebankingimprovesconvenienceandreducescostsforbanks.2.C.Datasecurityandprivacyconcerns.解析：Thepassagementionsthatdatasecurityanduserprivacyarechallengesforbanksinthemobilebankingera.Passage23.B.Topromotesustainabledevelopment.解析：Thepassagestatesthatthenewregulationsaimtosupportgreenfinanceandreducecarbonemissions.4.B.Theywillfacehighercompliancecosts.解析：Thepassagementionsthatbanksneedtoadapttheirriskassessmentmodels,implyinghighercompliancecosts.Passage35.B.Reducedloanapprovaltimes.解析：ThepassagementionsthatAIreducesloanapprovaltimesfromweekstodays.6.C.Jobdisplacement.解析：Thepassagestatesthattechnologicaladvancementshaveraisedconcernsaboutjobdisplacement.三、語(yǔ)法填空1.toimprove解析：Thebankhasbeeninvestingindigitalinfrastructuretoimproveserviceefficiency.（銀行一直在投資數(shù)字基礎(chǔ)設(shè)施以提高服務(wù)效率。）2.haveshifted解析：Duetothepandemic,manycustomershaveshiftedtheirtransactionsonline.（由于疫情，許多客戶已將交易轉(zhuǎn)移到線上。）3.tosupport解析：Thegovernment’seconomicpoliciesaredesignedtosupportsmallandmedium-sizedenterprises.（政府的經(jīng)濟(jì)發(fā)展政策旨在支持中小企業(yè)。）4.hasremained解析：Despitethechallenges,thebank’sprofitabilityhasremainedstableinrecentquarters.（盡管面臨挑戰(zhàn)，該銀行近期的盈利能力保持穩(wěn)定。）5.toattract解析：Thenewbranchin石家莊isexpectedtoattractalargenumberoflocalcustomers.（新開設(shè)的石家莊分行預(yù)計(jì)將吸引大量本地客戶。）四、完形填空1.B.Theshifttodigitalplatforms.解析：Thepassagestatesthattheshifttodigitalplatformsisthemostsignificantchange.2.B.60%解析：Thesurveyshowsthat60%ofcustomerspreferonlinebanking.3.B.Increasedcybe