華夏銀行呼和浩特市賽罕區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分，共10分）背景：題材圍繞銀行業(yè)務、金融科技、區(qū)域經(jīng)濟發(fā)展（呼和浩特市）等主題，考察詞匯的實際應用能力。1.Thebank'sdigitaltransformationhassignificantly__________customersatisfactionandoperationalefficiency.A.enhancedB.decreasedC.delayedD.limited2.To__________theriskofloandefaults,華夏銀行implementsstrictcreditassessmentpolicies.A.reduceB.increaseC.ignoreD.postpone3.TheInnerMongoliaAutonomousRegion'seconomicgrowthisexpectedto__________bythedevelopmentofrenewableenergyprojects.A.boostB.declineC.stagnateD.fluctuate4.Thenewmobilebankingappallowsusersto__________transactionsinreal-time,improvingconvenience.A.postponeB.automateC.postponeD.delay5.Thebank'scompliancedepartmentensuresthatalloperations__________totheregulatoryrequirements.A.adhereB.conflictC.divergeD.align6.Artificialintelligenceisincreasingly__________indetectingfraudulentactivities.A.appliedB.ignoredC.neglectedD.limited7.ThebranchinSaihanDistrictofferspersonalizedfinancialservicesto__________localbusinesses.A.supportB.hinderC.neglectD.compete8.Thebank'ssustainabilityinitiativesaimto__________itsenvironmentalfootprint.A.minimizeB.maximizeC.ignoreD.exaggerate9.Theeconomicdownturnhas__________thedemandformortgagesin呼和浩特.A.boostedB.declinedC.stabilizedD.fluctuated10.Thenewpolicyencouragesbanksto__________digitalpaymentstoreducecashusage.A.promoteB.discourageC.limitD.ignore二、閱讀理解（共5題，每題2分，共10分）背景：閱讀材料涉及金融科技在內(nèi)蒙古地區(qū)的應用、華夏銀行的服務創(chuàng)新等。Passage1華夏銀行近年來加大了對金融科技的投資，特別是在呼和浩特市，通過大數(shù)據(jù)和云計算技術(shù)優(yōu)化了信貸審批流程。銀行與當?shù)卣献?，推動“?shù)字草原”項目，旨在提升偏遠地區(qū)的金融服務覆蓋。然而，技術(shù)普及仍面臨基礎設施不足的挑戰(zhàn)。1.Whatisthemainfocusofthebank'sinvestmentinfinancialtechnology?A.ReducingstaffcostsB.ImprovingservicecoverageinruralareasC.EnhancingtransactionsecurityD.Expandingbranchnetworks2.Theterm“數(shù)字草原”refersto:A.AtraditionalgrasslandfestivalB.AdigitalinfrastructureinitiativeC.AgovernmentfundingprogramD.AbankingcompetitioneventPassage2隨著呼和浩特市經(jīng)濟的復蘇，消費信貸需求逐漸回升。華夏銀行推出“綠色消費貸”，鼓勵居民購買環(huán)保產(chǎn)品。同時，銀行還與本地企業(yè)合作，推出分期付款計劃，降低小微企業(yè)的融資門檻。但分析師指出，經(jīng)濟波動仍可能導致逾期率上升。3.Whichofthefollowingisabenefitofthe"綠色消費貸"?A.HigherinterestratesB.ReducedcreditlimitsC.EnvironmentalincentivesD.Mandatorysavings4.Whydoesthebankcollaboratewithlocalbusinesses?A.TopromotecompetitionB.TomitigatefinancialrisksC.ToexpanditscustomerbaseD.TocomplywithregulationsPassage3華夏銀行在賽罕區(qū)設立的智能網(wǎng)點采用人臉識別和語音交互技術(shù)，大幅縮短了客戶等待時間。但部分老年客戶反映操作不便，銀行已增設人工輔導服務。此外，銀行還計劃引入?yún)^(qū)塊鏈技術(shù)，提高跨境匯款的透明度。5.Whatisapotentialdrawbackofthebank'ssmartbranches?A.HighmaintenancecostsB.LimitedservicehoursC.AccessibilityissuesforelderlycustomersD.Lowertransactionaccuracy三、完形填空（共5題，每題1分，共5分）背景：文章描述華夏銀行呼和浩特分行應對經(jīng)濟形勢的舉措。TheeconomiclandscapeinInnerMongoliahasexperienced__________(1)duetofluctuatingcommodityprices.華夏銀行呼和浩特分行積極響應，推出多項幫扶政策，包括低息貸款和信用擔保，以__________(2)localenterprises.Thebank'sCEOnotedthat__________(3)collaborationwiththelocalgovernmenthasbeenkeytotheseefforts.However,challengesremain,particularlyin__________(4)accesstofinancialservicesinremoteareas.Toaddressthis,thebankis__________(5)mobilebankingunitstounderservedcommunities.1.A.volatilityB.stabilityC.growthD.decline2.A.encourageB.discourageC.ignoreD.delay3.A.successfulB.unsuccessfulC.reluctantD.hesitant4.A.improvingB.reducingC.expandingD.limiting5.A.deployingB.dismantlingC.retainingD.neglecting四、翻譯填空（共5題，每題2分，共10分）背景：將金融術(shù)語從中文翻譯為英文。1.華夏銀行致力于__________（普惠金融）發(fā)展，確保所有客戶都能獲得公平的金融服務?！鶷hebankiscommittedto__________(inclusivefinance)development.2.呼和浩特市賽罕區(qū)的消費信貸需求__________（近年來顯著增長）?！鶷hedemandforconsumercreditinSaihanDistricthas__________(grewsignificantlyinrecentyears).3.銀行通過__________（大數(shù)據(jù)分析）技術(shù)降低信貸風險?！鶷hebankreducescreditrisksthrough__________(bigdataanalytics).4.華夏銀行與當?shù)仄髽I(yè)合作，__________（推動綠色經(jīng)濟）項目?！鶷hebankcollaborateswithlocalenterprisesto__________(promotegreeneconomy)projects.5.為__________（緩解經(jīng)濟壓力），政府推出了一系列減稅政策。→To__________(alleviateeconomicpressure),thegovernmenthasintroducedaseriesoftaxcuts.五、改錯題（共5題，每題2分，共10分）背景：修改句子中的語法或用詞錯誤。1.Thebank'sdigitalplatformenablescustomerstotransfermoneyimmediately.→→Thebank'sdigitalplatformenablescustomerstotransfermoney__________(immediately).2.Duetotheeconomicdownturn,thecreditapprovalprocesshasbecomemorecomplicated.→→Duetotheeconomicdownturn,thecreditapprovalprocesshasbecome__________(morecomplicated).3.華夏銀行呼和浩特分行計劃在2025年第一季度完成網(wǎng)點升級?！A夏銀行呼和浩特分行planstocompletethebranchupgrade__________(inthefirstquarterof2025).4.Thecompliancedepartmentensuresthatalloperations__________totheregulatoryrequirements.→→Thecompliancedepartmentensuresthatalloperations__________(adhereto)theregulatoryrequirements.5.Artificialintelligenceisincreasinglyusedindetectingfraudulenttransactions.→→Artificialintelligenceisincreasinglyusedin__________(detecting)fraudulenttransactions.答案及解析一、選詞填空1.A(enhanced)-解析：數(shù)字化轉(zhuǎn)型通常提升客戶滿意度和效率。2.A(reduce)-解析：銀行通過嚴格政策降低貸款違約風險。3.A(boost)-解析：內(nèi)蒙古發(fā)展可再生能源能推動經(jīng)濟增長。4.B(automate)-解析：移動銀行應用實現(xiàn)實時交易自動化。5.A(adhere)-解析：合規(guī)部門確保業(yè)務符合監(jiān)管要求。6.A(applied)-解析：AI在反欺詐中廣泛應用。7.A(support)-解析：分行服務本地企業(yè)以促進發(fā)展。8.A(minimize)-解析：銀行通過綠色金融減少環(huán)境足跡。9.B(declined)-解析：經(jīng)濟下行導致呼和浩特房貸需求下降。10.A(promote)-解析：政策鼓勵推廣數(shù)字支付。二、閱讀理解1.B-解析：文章強調(diào)技術(shù)提升服務覆蓋。2.