平安銀行蕪湖市鏡湖區(qū)2025秋招筆試英文行測高頻題含答案英語行測高頻題（共10題，每題2分，總分20分）1.單選題（1題，2分）題目：TherapiddevelopmentofdigitalbankinghassignificantlytransformedthefinanciallandscapeinChina.WhichofthefollowingbestdescribestheimpactofthistransformationontraditionalbankslikePingAnBank?A)Theyhavecompletelylosttheircompetitiveedgeinthemarket.B)Theyareforcedtoabandontheircorebankingsystems.C)Theymustadapttonewtechnologiestoremainrelevant.D)Theyhavegainednobenefitsfromdigitalization.答案：C2.單選題（1題，2分）題目：InthecontextofeconomicrecoveryinWuhanCity,whatroledoesalocalbanklikePingAnBankplayinsupportingsmallandmedium-sizedenterprises(SMEs)?A)ItprioritizeslargecorporateclientsoverSMEs.B)Itprovidesonlyshort-termloanstoSMEs.C)ItofferstailoredfinancialsolutionstohelpSMEsgrow.D)ItrestrictsSMElendingduetohighrisk.答案：C3.單選題（1題，2分）題目：Theterm"greenfinance"isincreasinglyrelevantinChina'sbankingsector.Whatdoesitprimarilyreferto?A)Loansgiventoenvironmentallyharmfulindustries.B)Financialproductsdesignedtosupportsustainableprojects.C)Bankingservicesexclusivelyforgovernmentprojects.D)Investmentsinhigh-riskrenewableenergysectors.答案：B4.單選題（1題，2分）題目：Whenanalyzingcustomerdatafortargetedmarketing,whichethicalprincipleshouldPingAnBankprioritize?A)Maximizingprofitatanycost.B)Fullyautomatingdecision-makingwithouthumanoversight.C)Ensuringdataprivacyandtransparency.D)Ignoringcustomerconsenttoimproveefficiency.答案：C5.單選題（1題，2分）題目：TheChinesegovernment's"dualcarbon"goals(reducingcarbonemissionsandachievingcarbonneutralityby2060)areinfluencingbankingpolicies.WhichofthefollowingactionsismostlikelytobeimplementedbyPingAnBankinresponse?A)Increasinglendingtocoalminingindustries.B)Expandinginvestmentsingreenbonds.C)Reducinginterestratesforalltypesofloans.D)Terminatingallenvironmental,social,andgovernance(ESG)initiatives.答案：B6.單選題（1題，2分）題目：Intheeventofafinancialcrisis,whatisakeyresponsibilityofabanklikePingAninChina?A)Withdrawingdepositstoprotectthebank'sassets.B)Encouragingpanicsellingofsecurities.C)Providingliquiditytostabilizethemarket.D)Failingtocommunicatewithcustomerstoavoidrumors.答案：C7.單選題（1題，2分）題目：TheriseoffintechcompaniesinChinahaschallengedtraditionalbanks.HowcanPingAnBankrespondtothiscompetition?A)Bycompletelydiscontinuingdigitalbankingservices.B)Byrelyingsolelyongovernmentsubsidies.C)Byinnovatingitsproductsandimprovingcustomerexperience.D)Byignoringfintechtrendstomaintainitslegacyposition.答案：C8.單選題（1題，2分）題目：TheAnti-MoneyLaundering(AML)regulationsinChinarequirebankstoverifycustomeridentities.WhichofthefollowingisaneffectiveAMLmeasureforPingAnBank?A)Minimizingdocumentationtospeeduponboarding.B)Usingbiometricverificationforidentitychecks.C)Avoidingstrictcompliancetoreducecosts.D)Allowinganonymousaccountopening.答案：B9.單選題（1題，2分）題目：TheBeltandRoadInitiative(BRI)hasexpandedChina'sglobaleconomicties.HowcanPingAnBankleveragethisopportunity?A)Byfocusingonlyondomesticmarkets.B)Byincreasingloandefaultsduetooverseasrisks.C)Byofferingcross-borderbankingservicestoBRIpartners.D)Byavoidinginternationalcollaborationstoreducecomplexity.答案：C10.單選題（1題，2分）題目：Theconceptof"financialinclusion"inChinaaimstoexpandaccesstofinancialservices.Whichgroupbenefitsmostfromthispolicy?A)High-net-worthindividualsonly.B)Largecorporationswithstrongcredithistories.C)Underservedpopulations,suchasruralfarmers.D)Banksthatprioritizewealthmanagementoverretailservices.答案：C答案與解析1.答案：C解析：Digitalbankinghasforcedtraditionalbankstoadapttonewtechnologiestoremaincompetitive,ratherthanlosingtheiredgeorabandoningtheirsystemsentirely.2.答案：C解析：LocalbankslikePingAnplayacrucialroleinsupportingSMEsbyprovidingtailoredfinancialsolutions,asSMEsarevitaltoregionaleconomies.3.答案：B解析：Greenfinancespecificallyreferstofinancialtoolsthatsupportenvironmentallysustainableprojects,aligningwithChina'scarbongoals.4.答案：C解析：Dataprivacyandtransparencyarefundamentalethicalprinciplesinbanking,especiallywhendealingwithcustomerdataformarketing.5.答案：B解析：Banksareincreasinglyinvestingingreenbondstosupportsustainableprojects,aligningwith"dualcarbon"goals.6.答案：C解析：Duringcrises,banksmustprovideliquiditytopreventsystemicfailures,unlikewithdrawingdepositsorspreadingpanic.7.答案：C解析：Innovationandimprovedcustomerexperiencearethebeststrategiesfortraditionalbankstocompetewithfintechs.8.答案：B解析：BiometricverificationisamodernAMLmeasurethatenhancesidentityverificationwithoutcompromisingefficiency.9.答案：C解析