招商銀行昆明市安寧市2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）directions:Choosethebestwordtofillintheblankfromthefouroptions.1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.compelledB.facilitatedC.deterioratedD.stabilized2.Theeconomicpoliciesimplementedbythelocalgovernmentaimto______smallbusinessesandstimulateregionalgrowth.A.penalizeB.sustainC.neglectD.suppress3.Asafinancialinstitution,itiscrucialtomaintainahighlevelof______toensurecustomertrustandcompliance.A.transparencyB.ambiguityC.inconsistencyD.redundancy4.The昆明regionalofficehasachievedremarkable______inexpandingitsdigitalbankingservices.A.stagnationB.efficiencyC.deteriorationD.ineffectiveness5.Thenewregulationwill______theminimumcapitalrequirementsforbanksoperatinginYunnanprovince.A.relaxB.tightenC.eliminateD.postpone二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagebelowandanswerthequestionsthatfollow.Passage:TheriseofdigitalbankinghastransformedthefinanciallandscapeinChina,particularlyinurbanareaslikeKunming.Traditionalbanksfaceincreasingcompetitionfromfintechcompanies,whichleverageadvancedtechnologiessuchasartificialintelligenceandblockchaintooffermoreefficientandpersonalizedservices.However,regulatorychallengesremainasignificanthurdle.TheChinesegovernmenthasintroducedstricterguidelinestoensuredatasecurityandpreventfinancialrisks,whichhasledsomesmallerbankstoslowtheirdigitaltransformationefforts.Despitetheseobstacles,thelong-termprospectsfordigitalbankinginKunmingremainpromising,asmoreconsumersadoptmobilepaymentsolutionsanddemandforconveniencegrows.1.WhatistheprimarychallengefacedbytraditionalbanksinKunming?A.InsufficientfundingB.RegulatoryrestrictionsC.HighoperationalcostsD.Lackofskilledemployees2.Accordingtothepassage,howdofintechcompaniesdifferfromtraditionalbanks?A.Theyrelymoreonphysicalbranches.B.Theyusefeweradvancedtechnologies.C.Theyfocusonpersonalizedservices.D.Theyhavestricterregulations.3.WhatdoesthepassagesuggestaboutthefutureofdigitalbankinginKunming?A.Itwilldeclineduetogovernmentpolicies.B.Itwillstagnateassmallerbanksstruggle.C.Itwillcontinuetogrowdespitechallenges.D.Itwillbedominatedbyforeigncompanies.4.Theword"hurdle"inthepassageisclosestinmeaningto:A.OpportunityB.AdvantageC.ObstacleD.Benefit三、語(yǔ)法填空（共5題，每題2分，共10分）directions:Completethesentenceswiththecorrectformofthewordsprovidedinbrackets.1.Despitetheeconomic______(deteriorate),theKunmingbranchmanagedtoincreaseitsprofitsby15%.2.Thebank’snewpolicywill______customerstoreportanysuspiciousactivitiesimmediately.3.Manyemployeesinthe昆明officeare______(train)indigitalbankingtoimprovetheirskills.4.Thefinancialanalystnotedthattheregion’sGDPgrowthratehasbeen______(stable)overthepastthreeyears.5.Iftheloanapplicationisnotapproved,thecompanymay______(face)financialdifficulties.四、完形填空（共5題，每題2分，共10分）directions:Readthepassagebelowandchoosethebestoptiontocompleteeachblank.Lastyear,the招商銀行昆明分行l(wèi)aunchedanewmobilebankingapptoenhancecustomerexperience.Theappfeaturesreal-timefundtransfers,billpayments,andpersonalizedfinancialadvice.However,earlyusersreportedseveralbugsthataffecteditsperformance.Thedevelopmentteamquicklyaddressedtheseissuesandreleasedanupdatedversion.Now,theapphasausersatisfactionrateofover90%.Thissuccesshighlightstheimportanceofcontinuousimprovementinthebankingindustry.Financialinstitutionsmustremain______tocustomerfeedbackandadapttochangingmarketdemands.Otherwise,theyrisklosingmarketsharetomoreagilecompetitors.1.A.responsive2.B.resistant3.C.unaware4.D.indifferent5.E.tolerant五、翻譯填空（共5題，每題2分，共10分）directions:TranslatetheChinesesentencesintoEnglish.1.為了確保合規(guī)性，銀行必須加強(qiáng)對(duì)反洗錢措施的管理。2.隨著科技的發(fā)展，數(shù)字支付在云南地區(qū)的普及率顯著提高。3.該分行計(jì)劃在未來(lái)五年內(nèi)將業(yè)務(wù)擴(kuò)展到周邊省市。4.政府鼓勵(lì)金融機(jī)構(gòu)支持小微企業(yè)的發(fā)展。5.客戶滿意度是衡量銀行服務(wù)質(zhì)量的重要指標(biāo)。六、改錯(cuò)題（共5題，每題2分，共10分）directions:Identifyandcorrecttheerrorsinthefollowingsentences.1.ThefinancialmarketinKunminghasbeenmorevolatilethanShanghaioverthepastyear.→Corrected:______2.Ifthecustomerdoesnotsigntheagreement,hewillbeunabletoaccesstheaccount.→Corrected:______3.Thebank’snewpolicyrequiresallemployeestocompleteatleast20hoursoftrainingeverymonth.→Corrected:______4.Despitetheeconomicdownturn,theKunmingofficestillmanagedtomeetitstargets.→Corrected:______5.Theloanapplicationwasrejectedbecauseoftheapplicant’spoorcredithistory.→Corrected:______答案與解析一、選詞填空1.A.compelled(迫使)解析：Fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)進(jìn)行創(chuàng)新和適應(yīng)。2.B.sustain(支持)解析：當(dāng)?shù)卣慕?jīng)濟(jì)政策旨在支持中小企業(yè)并刺激區(qū)域增長(zhǎng)。3.A.transparency(透明度)解析：作為金融機(jī)構(gòu)，保持高透明度對(duì)于贏得客戶信任和合規(guī)至關(guān)重要。4.B.efficiency(效率)解析：昆明分行在擴(kuò)展數(shù)字銀行服務(wù)方面取得了顯著的效率提升。5.B.tighten(收緊)解析：新法規(guī)將收緊云南省銀行運(yùn)營(yíng)的最低資本要求。二、閱讀理解1.B.Regulatoryrestrictions(監(jiān)管限制)解析：文章指出，監(jiān)管政策是傳統(tǒng)銀行面臨的主要挑戰(zhàn)。2.C.Theyfocusonpersonalizedservices(它們注重個(gè)性化服務(wù))解析：文章提到，金融科技公司利用技術(shù)提供更個(gè)性化的服務(wù)。3.C.Itwillcontinuetogrowdespitechallenges(盡管面臨挑戰(zhàn)，它仍將繼續(xù)增長(zhǎng))解析：文章最后暗示數(shù)字銀行在昆明的長(zhǎng)期前景是積極的。4.C.Obstacle(障礙)解析：Hurdle意為“障礙”，與obstacle同義。三、語(yǔ)法填空1.deterioration解析：deteriorate的名詞形式，表示“惡化”。2.urge(動(dòng)詞)解析：require后接動(dòng)詞原形，urge意為“敦促”。3.trained解析：train的過(guò)去分詞形式，修飾employees。4.stable解析：形容詞形式，修飾GDPgrowthrate。5.face解析：動(dòng)詞原形，與may搭配。四、完形填空1.responsive(responsive)2.resistant(resistant)3.unaware(unaware)4.indifferent(indifferent)5.responsive(responsive)五、翻譯填空1.Toensurecompliance,banksmuststrengthenthemanagementofanti-moneylaunderingmeasures.2.Withtheadvancementoftechnology,theadoptionrateofdigitalpaymentsinYunnanhassignificantlyincreased.3.TheKunmingbranchplanstoexpanditsbusinesstosurroundingprovincesandcitiesinthenextfiveyears.4.Thegovernmentencouragesfinancialinstitutionstosupportthedevelopmentofsmallandmediu