興業(yè)銀行長沙市長沙縣2025秋招筆試英文行測高頻題含答案題目部分一、選詞填空（共5題，每題2分，共10分）directions:Choosethebestwordtofillintheblankfromthefouroptionsgiven.1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapttothedigitalera.A.compelledB.facilitatedC.overwhelmedD.stabilized2.InthecontextoftheIndianeconomy,the______sectorplaysacrucialroleindrivingjobcreationandeconomicgrowth.A.manufacturingB.agriculturalC.serviceD.construction3.TheReserveBankofIndia'srecentpolicy______aimstostimulatelendingandboosteconomicactivity.A.tighteningB.easingC.neutralD.restrictive4.TheIndiangovernment's______initiativeshavesignificantlyimprovedaccesstofinancialservicesinruralareas.A.inclusiveB.exclusiveC.selectiveD.centralized5.The______ofdigitalpaymentshasrevolutionizedthewayIndianstransactandmanagetheirfinances.A.adoptionB.rejectionC.discontinuationD.modification二、閱讀理解（共5題，每題3分，共15分）directions:Readthepassagebelowandanswerthequestionsthatfollow.Passage:TheIndianbankingsectorhaswitnessedsignificanttransformationinrecentyearsduetotheadventoffintech.Traditionalbanksarenowcollaboratingwithfintechcompaniestoleveragetheirtechnologicalexpertiseandenhancecustomerexperience.Thispartnershiphasledtothedevelopmentofinnovativefinancialproductsandservices,suchasmobilebankingapps,digitalwallets,andonlinepaymentsystems.TheReserveBankofIndiahasintroducedseveralregulatorymeasurestofosterthiscollaborationandensurethatfintechcompaniesadheretostringentnorms.Thesemeasuresincludetheestablishmentofadedicatedfintechregulatoryunitandtheissuanceoflicensestofintechentities.TheIndiangovernmenthasalsolaunchedvariousinitiativestopromotefinancialinclusion,suchasthePradhanMantriJanDhanYojana(PMJDY)andtheUnifiedPaymentsInterface(UPI).Theseinitiativeshavenotonlyimprovedaccesstofinancialservicesfortheunbankedandunderbankedpopulationbuthavealsoboostedtheadoptionofdigitalpayments.However,challengesremain,suchasensuringdatasecurityandaddressingthedigitaldivide.Thebankingsectorneedstocontinueinnovatingandadaptingtostaycompetitiveinthedigitalera.1.WhathasbeentheprimarydriveroftransformationintheIndianbankingsector?A.GovernmentinitiativesB.FintechcollaborationC.RegulatorymeasuresD.Economicgrowth2.Whichofthefollowingisanexampleofaninnovativefinancialproductdevelopedthroughfintechcollaboration?A.TraditionalbankingappsB.MobilebankingappsC.PhysicalATMsD.Cashtransactions3.WhatistheroleoftheReserveBankofIndiainfosteringfintechdevelopment?A.ToregulatefintechentitiesB.TopromotetraditionalbankingC.ToreduceeconomicgrowthD.Toeliminatefinancialinclusion4.Whichgovernmentinitiativehasimprovedaccesstofinancialservicesfortheunbankedpopulation?A.PradhanMantriJanDhanYojanaB.UnifiedPaymentsInterfaceC.CashlessIndiaD.DigitalIndia5.Whatremainsasignificantchallengeforthebankingsectorinthedigitalera?A.HighadoptionofdigitalpaymentsB.DatasecurityC.IncreasedeconomicgrowthD.Governmentsupport三、語句排序（共2題，每題5分，共10分）directions:Arrangethefollowingsentencesinthecorrectlogicalordertoformacoherentparagraph.1.TheintegrationofAIinbankinghasenhancedcustomerservicethroughpersonalizedrecommendationsandfastertransactionprocessing.AIhasalsoenabledbankstodetectandpreventfraudulentactivitiesmoreefficiently.AIhasrevolutionizedthebankingsectorbyautomatingroutinetasksandimprovingoperationalefficiency.Thishasledtosignificantcostsavingsandimprovedaccuracyinbankingoperations.Additionally,AIhasfacilitatedthedevelopmentofintelligentchatbotsthatprovide24/7customersupport.2.TheIndiangovernmenthasintroducedseveralinitiativestopromotefinancialinclusion.Theseinitiativesincludethelaunchofdigitalbankingplatformsandthepromotionofmobilebanking.Theresulthasbeenasignificantincreaseinthenumberofpeopleusingdigitalfinancialservices.Financialinclusionhasalsobeenboostedbytheestablishmentofruralbankingbranches.Theseeffortshavehelpedinbridgingthegapbetweenurbanandruralfinancialservices.四、邏輯推理（共5題，每題3分，共15分）directions:Answerthefollowingquestionsbasedonthelogicalreasoningprovided.1.IfallbanksarefinancialinstitutionsandallfinancialinstitutionsareregulatedbytheRBI,thenwhichofthefollowingstatementsistrue?A.Allfinancialinstitutionsarebanks.B.Allregulatedinstitutionsarebanks.C.AllbanksareregulatedbytheRBI.D.Somefinancialinstitutionsarenotbanks.2.Acustomerwantstoopenasavingsaccount.Whichofthefollowingdocumentsismostlikelyrequired?A.PassportB.PANcardC.DrivinglicenseD.Aadhaarcard3.Abankoffersa5%interestrateonsavingsaccounts.Ifacustomerdeposits?50,000,howmuchinterestwilltheyearninoneyear?A.?2,500B.?3,000C.?4,000D.?5,0004.Acustomerwantstotransfer?10,000toanotherbankaccountusingtheUPI.Whichofthefollowingisthefastestmethod?A.IMPSB.NEFTC.RTGSD.Cashdeposit5.Abankchargesamonthlymaintenancefeeof?100onsavingsaccountswithabalancebelow?50,000.Ifacustomerhasabalanceof?40,000,howmuchwilltheybecharged?A.?0B.?50C.?100D.?200五、銀行實務（共5題，每題4分，共20分）directions:Answerthefollowingquestionsbasedonbankingpractices.1.WhatistheminimumbalancerequiredforasavingsaccountinaprivatebankinIndia?A.?1,000B.?5,000C.?10,000D.?20,0002.WhatisthemaximumloanamountacustomercanborrowunderahomeloaninIndia?A.?20lakhsB.?30lakhsC.?50lakhsD.?1crore3.WhatistheinterestrateforahomeloaninIndia?A.6%to8%B.8%to10%C.10%to12%D.12%to14%4.Whatistheprocessofopeningafixeddepositaccountinabank?A.Fillanapplicationformanddeposittheamount.B.Provideidentificationdocumentsandfillanapplicationform.C.DeposittheamountandprovideaPANcard.D.FillanapplicationformandprovideaPANcard.5.Whatistheprocessofclosingasavingsaccountinabank?A.Fillanapplicationformandsubmitittothebank.B.Provideidentificationdocumentsandfillanapplicationform.C.DeposittheamountandprovideaPANcard.D.FillanapplicationformandprovideaPANcard.答案部分一、選詞填空1.A.compelled解析：Therapiddevelopmentoffintechhascompelledthetraditionalbankingindustrytoinnovateandadapttothedigitalera.（金融科技的快速發(fā)展迫使傳統(tǒng)銀行行業(yè)進行創(chuàng)新和適應數(shù)字時代。）2.C.service解析：InthecontextoftheIndianeconomy,theservicesectorplaysacrucialroleindrivingjobcreationandeconomicgrowth.（在印度經(jīng)濟的背景下，服務業(yè)在創(chuàng)造就業(yè)機會和推動經(jīng)濟增長方面起著至關重要的作用。）3.B.easing解析：TheReserveBankofIndia'srecentpolicyeasingaimstostimulatelendingandboosteconomicactivity.（印度儲備銀行最近的政策放寬旨在刺激貸款和推動經(jīng)濟活動。）4.A.inclusive解析：TheIndiangovernment'sinclusiveinitiativeshavesignificantlyimprovedaccesstofinancialservicesinruralareas.（印度政府的包容性倡議在農(nóng)村地區(qū)顯著改善了金融服務獲取。）5.A.adoption解析：TheadoptionofdigitalpaymentshasrevolutionizedthewayIndianstransactandmanagetheirfinances.（數(shù)字支付的普及徹底改變了印度人交易和管理財務的方式。）二、閱讀理解1.B.Fintechcollaboration解析：TheprimarydriveroftransformationintheIndianbankingsectorisfintechcollaboration.（印度銀行業(yè)轉(zhuǎn)型的首要驅(qū)動力是金融科技合作。）2.B.Mobilebankingapps解析：Mobilebankingappsareanexampleofaninnovativefinancialproductdevelopedthroughfintechcollaboration.（移動銀行應用是金融科技合作開發(fā)的一項創(chuàng)新金融產(chǎn)品。）3.A.Toregulatefintechentities解析：TheReserveBankofIndia'sroleinfosteringfintechdevelopmentistoregulatefintechentities.（印度儲備銀行在促進金融科技發(fā)展方面的作用是監(jiān)管金融科技實體。）4.A.PradhanMantriJanDhanYojana解析：ThePradhanMantriJanDhanYojanahasimprovedaccesstofinancialservicesfortheunbankedpopulation.（普達曼·曼吉·丹·亞賈納計劃改善了無銀行賬戶人群的金融服務獲取。）5.B.Datasecurity解析：Datasecurityremainsasignificantchallengeforthebankingsectorinthedigitalera.（數(shù)據(jù)安全仍然是數(shù)字時代銀行業(yè)的一個重大挑戰(zhàn)。）三、語句排序1.3.AIhasrevolutionizedthebankingsectorbyautomatingroutinetasksandimprovingoperationalefficiency.1.TheintegrationofAIinbankinghasenhancedcustomerservicethroughpersonalizedrecommendationsandfastertransactionprocessing.4.Thishasledtosignificantcostsavingsandimprovedaccuracyinbankingoperations.2.AIhasalsoenabledbankstodetectandpreventfraudulentactivitiesmoreefficiently.5.Additionally,AIhasfacilitatedthedevelopmentofintelligentchatbotsthatprovide24/7customersupport.2.1.TheIndiangovernmenthasintroducedseveralinitiativestopromotefinancialinclusion.2.Theseinitiativesincludethelaunchofdigitalbankingplatformsandthepromotionofmobilebanking.4.Financialinclusionhasalsobeenboostedbytheestablishmentofruralbankingbranches.3.Theresulthasbeenasignificantincreaseinthenumberofpeopleusingdigitalfinancialservices.5.Theseeffortshavehelpedinbridgingthegapbetweenurbanandruralfinancialservices.四、邏輯推理1.C.AllbanksareregulatedbytheRBI.解析：IfallbanksarefinancialinstitutionsandallfinancialinstitutionsareregulatedbytheRBI,thenitfollowsthatallbanksareregulatedbytheRBI.（如果所有銀行都是金融機構(gòu)，而所有金融機構(gòu)都由RBI監(jiān)管，那么可以推斷所有銀行都由RBI監(jiān)管。）2.D.Aadhaarcard解析：Aadhaarcardismostlikelyrequiredforopeningasavingsaccount.（Aadhaar卡最有可能用于開設儲蓄賬戶。）3.A.?2,500解析：Interest=50,000×5%=?2,500.（利息=50,000×5%=?2,500。）4.A.IMPS解析：IMPSisthefastestmethodf