平安銀行佛山市高明區(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，共10分）1.Despitetheeconomicdownturn,thefinancialsectorinGuangdongremains__________,drivenbytechnologicalinnovationandpolicysupport.A.resilientB.volatileC.stagnantD.fluctuating2.ThenewsmartbankingappintroducedbyPingAnBankaimsto__________customerexperiencethroughAI-drivenpersonalizedservices.A.enhanceB.diminishC.replicateD.deteriorate3.High-profilecasesoffinancialfraudinFoshanhavehighlightedtheneedforstronger__________measurestoprotectconsumers.A.regulatoryB.fraudulentC.preventiveD.discretionary4.Thelocalgovernment’sinitiativetopromotegreenfinanceinGuangdongisexpectedto__________sustainabledevelopmentintheregion.A.facilitateB.hinderC.neglectD.postpone5.Theintegrationofbigdataanalyticsinriskmanagementhas__________theefficiencyofcreditassessmentforsmallenterprises.A.augmentedB.diminishedC.delayedD.complicated二、閱讀理解（共4題，每題3分，共12分）Passage1TherapiddevelopmentoffintechhastransformedthebankingindustryinChina,particularlyinurbanareaslikeFoshan.Traditionalbanksareincreasinglyadoptingdigitalsolutionstostaycompetitive,whilefintechstartupsareleveragingcutting-edgetechnologiessuchasblockchainandAItodisruptthemarket.However,regulatorychallengesremainasignificanthurdleforbothsectors.ThePeople’sBankofChinahasintroducedstricterdataprotectionlaws,whichrequirebankstoensurecustomerprivacywhileenhancingserviceefficiency.Despitethesechallenges,thefutureoffinanceinGuangdonglookspromising,withagrowingfocusoninnovationandsustainability.1.Whatisthemainfocusofthepassage?A.TheimpactoffintechontraditionalbankingB.RegulatorypoliciesintheChinesefinancialsectorC.ThechallengesofdataprotectioninGuangdongD.ThefutureoffinanceinurbanChina2.Accordingtothepassage,whatisakeytechnologyusedbyfintechstartups?A.BlockchainB.CloudcomputingC.QuantumcomputingD.Neuralnetworks3.WhatdoesthepassagesuggestaboutthePeople’sBankofChina?A.Itissupportiveoffintechinnovation.B.Itisconcernedaboutcustomerprivacy.C.Itisstrugglingtoadapttodigitalchanges.D.Itisprioritizingtraditionalbankingoverfintech.4.WhichofthefollowingstatementsisNOTmentionedinthepassage?A.Fintechstartupsaredisruptingthebankingmarket.B.Dataprotectionlawsarebecomingstricter.C.TheChinesegovernmentisinvestinginfintech.D.Traditionalbanksarelosingtheircompetitiveedge.Passage2Foshan,acityinGuangdongProvince,hasarichhistoryinmanufacturingandtrade.Inrecentyears,thelocalgovernmenthasactivelypromotedeconomicdiversification,withaparticularfocusonthefinancialsector.TheestablishmentoftheFoshanFinancialInnovationZonehasattractednumerousbanksandfinancialinstitutions,fosteringavibrantecosystem.However,thecitystillfaceschallengesintalentretention,asmanyprofessionalsprefertoworkinlargermetropoliseslikeGuangzhouandShenzhen.Toaddressthis,thegovernmenthasintroducedincentivessuchastaxbreaksandimprovedinfrastructure.TheseeffortsaregraduallymakingFoshanamoreattractivedestinationforfinanceprofessionals.1.WhatistheprimarygoaloftheFoshanFinancialInnovationZone?A.Toboostmanufacturinggrowth.B.Toattractfinancialinstitutions.C.Toreducetradebarriers.D.Toenhanceruraldevelopment.2.Accordingtothepassage,whatisamajorchallengefacedbyFoshan?A.Highinflationrates.B.Limitedeconomicdiversification.C.Talentretentionissues.D.Insufficientgovernmentfunding.3.Whatmeasureshasthegovernmenttakentoaddresstalentretention?A.Increasedsalaries.B.Taxbreaksandimprovedinfrastructure.C.Relaxationofregulations.D.Subsidizedhousing.4.HowdoesthepassagedescribethefinancialsectorinFoshan?A.Itisdecliningduetolackofinvestment.B.Itisgrowingbutfacescompetitionfromlargercities.C.Itisdominatedbytraditionalbanking.D.Itisnotyetdeveloped.三、語句改錯（共5題，每題2分，共10分）1.Thebankplanstolaunchanewcreditcardprogramwhichoffersrewardsforonlineshoppingandtraveling.2.DespitethehighdemandforfinancialservicesinFoshan,thebank’scurrentbranchnetworkisinadequate.3.TheintegrationofAIincustomerservicehasbeenimprovedsignificantly,buttherearestillsomebugsinthesystem.4.Thelocalgovernmenthasrecentlyapprovedaloanof500millionyuantosupportsmallbusinessesinthecity.5.Employeesareencouragedtoparticipateintheannualtrainingprogramtoenhancetheirprofessionalskills.四、完形填空（共5題，每題2分，共10分）ThebankingsectorinGuangdonghasundergonesignificanttransformationsinrecentyears,largelyduetoadvancementsintechnologyandchangingcustomerexpectations.Traditionalbanksarenowfocusingondigitalizationto__________(1)theiroperations,whilefintechcompaniesare__________(2)innovativesolutionstoaddressmarketgaps.OneofthemostnotabletrendsistheincreasingadoptionofAIandbigdataanalyticsinriskmanagement.Thesetechnologieshelpbanks__________(3)creditrisksmoreaccurately,therebyimprovinglendingdecisions.Additionally,theriseofmobilebankinghas__________(4)theneedforphysicalbranches,forcingbanksto__________(5)theirbusinessmodels.五、邏輯推理（共4題，每題3分，共12分）1.Ifabankwantstoimproveitsprofitability,itshouldfocusonwhichofthefollowingstrategies?A.Increasinginterestratesonsavingsaccounts.B.Expandingitsbranchnetwork.C.Reducingoperationalcosts.D.Offeringmorecreditproducts.2.Whichofthefollowingisalikelyconsequenceofstricterdataprotectionregulations?A.Increasedcompetitionamongfintechstartups.B.Highercostsforbanks.C.Improvedcustomertrust.D.Reducedinnovationinthefinancialsector.3.Ifacityaimstoattractmorefinancialinstitutions,whichfactorismostimportant?A.Lowertaxes.B.Betterinfrastructure.C.Alargecustomerbase.D.Governmentsubsidies.4.WhatisapotentialchallengeforbanksthatadoptAIintheiroperations?A.Highimplementationcosts.B.Resistancefromemployees.C.Datasecurityrisks.D.Alloftheabove.答案與解析一、選詞填空1.A(resilient)-Thesentencediscussesthefinancialsector’sabilitytowithstandeconomicdownturns.2.A(enhance)-Thecontextimpliestheapp’spurposeistoimprovecustomerexperience.3.A(regulatory)-Thesentencehighlightstheneedforoversighttocombatfraud.4.A(facilitate)-Theinitiative’sgoalistopromotesustainablegrowth.5.A(augmented)-Theintegrationofbigdataimprovescreditassessmentefficiency.二、閱讀理解Passage11.A(Theimpactoffintechontraditionalbanking)-Thepassagefocusesontheinteractionbetweenfintechandtraditionalbanks.2.A(Blockchain)-Thepassagementionsblockchainasakeytechnologyusedbyfintechstartups.3.B(Itisconcernedaboutcustomerprivacy)-Thepassagenotesstricterdataprotectionlaws.4.D(Traditionalbanksarelosingtheircompetitiveedge)-Thisisnotmentionedinthepassage.Passage21.B(Toattractfinancialinstitutions)-Thepassagestatesthatthezoneaimstofosterafinancialecosystem.2.C(Talentretentionissues)-Thepassagementionsprofessionalspreferringlargercities.3.B(Taxbreaksandimprovedinfrastructure)-Thesearetheincentivesmentioned.4.B(Iti