浦發(fā)銀行威海市榮成市2025秋招筆試英文行測高頻題含答案第一部分：選詞填空（共5題，每題2分，總計10分）背景提示：題目涉及銀行業(yè)務(wù)、金融科技、區(qū)域經(jīng)濟發(fā)展等內(nèi)容，結(jié)合威海榮成特色產(chǎn)業(yè)（如海洋經(jīng)濟、高端制造）。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialservicesmodel,requiringemployeestoadaptquicklytonewtechnologies.A.transformedB.revolutionizedC.alteredD.modified2.Thelocalgovernment’sinitiativetopromotemarineindustrieshas______asignificantincreaseinforeigninvestmentinthecoastalareasofRongcheng.A.facilitatedB.triggeredC.enabledD.encouraged3.To______theriskofcreditdefaults,thebankimplementedstricterloanapprovalproceduresforsmallandmedium-sizedenterprises.A.mitigateB.reduceC.minimizeD.eliminate4.TheintegrationofAIincustomerservicehas______theefficiencyoftransactionswhileimprovingusersatisfaction.A.enhancedB.elevatedC.amplifiedD.augmented5.Thebank’ssustainabilityreporthighlightsitseffortsto______carbonemissionsthroughgreenfinancingprojects.A.decreaseB.diminishC.reduceD.curb第二部分：閱讀理解（共4題，每題3分，總計12分）文章背景：以下文章節(jié)選自某金融機構(gòu)關(guān)于山東半島經(jīng)濟圈金融發(fā)展的報告，涉及區(qū)域金融政策、普惠金融等內(nèi)容。Passage:TheeconomicintegrationofShandongPeninsula,includingcitieslikeWeihaiandRongcheng,hasspurreddemandforinnovativefinancialservices.Localbanks,includingPingAnBank,havebeencollaboratingwithtechfirmstodevelopdigitalplatformstailoredtomaritimeindustries.Forinstance,Rongcheng’sporthaslaunchedablockchain-basedsystemtostreamlinelogisticsfinancing,reducingtransactioncostsby30%.However,challengesremain,suchasinsufficientcreditdataforsmallfishingenterprisesandtheneedforbetterinfrastructureinremotecoastalareas.ThePeople’sBankofChinahasproposedsubsidiesforbanksthatinvestinruralfinancialinclusion,aimingtobalancegrowthbetweenurbanandruralregions.6.WhatistheprimarypurposeoftheblockchainsysteminRongcheng’sport?A.ToincreaseimporttaxesB.ToimprovelogisticsfinancingefficiencyC.TomonitorfishingactivitiesD.Toenhanceportsecurity7.Accordingtothepassage,whatobstaclehindersfinancialdevelopmentincoastalregions?A.HighoperationalcostsB.InsufficientcreditdataforsmallbusinessesC.LackofgovernmentsupportD.Poorinfrastructureinruralareas8.WhichofthefollowingisameasureproposedbythePeople’sBankofChina?A.MandatingbankstoexpandbranchesincoastalareasB.ProvidingsubsidiesforruralfinancialinclusionC.RestrictingdigitalbankingservicesD.Increasingloaninterestrates9.WhatdoesthepassagesuggestaboutthefutureoffinancialservicesinWeihai?A.TraditionalbankingwilldominatethemarketB.DigitalandblockchaintechnologieswillplayakeyroleC.ForeignbankswilltakeoverlocalmarketsD.Governmentpolicieswilllimitfinancialinnovation第三部分：句子改錯（共5題，每題2分，總計10分）要求：找出并改正句子中的語法錯誤（每題僅含一個錯誤）。10.Thebank’snewmobileapphasimprovedcustomerexperiencebyallowinguserstotransferfundsinstantlyandmakepaymentswithoutneedtoinstalladditionalsoftware.→Correct:______________________________11.Althoughthelocaleconomyhasgrowninrecentyears,unemploymentratesinruralareasstillremainhighduetolackofindustrialdiversification.→Correct:______________________________12.Ourteamisworkingonaprojecttoenhancecybersecurityforsmallbusinesses,whichinvolvetheintegrationofbiometricauthenticationandAI-basedfrauddetection.→Correct:______________________________13.Theregulatorychangeshaveimpactednotonlythelendingpoliciesbutalsotheprofitabilityoffinancialinstitutionsintheregion.→Correct:______________________________14.Ifthebankfailstomeetthecapitaladequacyrequirementsbytheendofthisyear,itmayfacepenaltiesfromthenationalfinancialauthority.→Correct:______________________________第四部分：完形填空（共5題，每題2分，總計10分）文章主題：金融科技對銀行業(yè)的影響。Theadventoffintechhas______(15)thecompetitivelandscapeinthebankingsector.Traditionalinstitutionsmustnow______(16)withagilestartupsthatleveragebigdataandAItodeliverpersonalizedservices.Forinstance,Weihai’sPingAnBankhaspartneredwithalocaltechfirmtolauncharobo-advisorplatform,which______(17)investmentdecisionsbasedoncustomerriskprofiles.However,thisshiftalsoposeschallenges,asemployeesneedto______(18)theirskillstostayrelevant.TheChinesegovernmenthas______(19)policiestosupporttheintegrationoffintech,ensuringthatbankscanadaptwithoutlosingtheirtraditionaladvantages.15.A.transformedB.revolutionizedC.reshapedD.altered16.A.competeB.collaborateC.cooperateD.coordinate17.A.automatesB.facilitatesC.optimizesD.calculates18.A.upgradeB.enhanceC.improveD.modernize19.A.introducedB.implementedC.proposedD.recommended第五部分：翻譯填空（共5題，每題2分，總計10分）要求：將英文句子翻譯成中文，并填入括號內(nèi)。20.Toensurecompliancewithinternationalstandards,thebankconductsregularauditsofitsriskmanagementsystems.→中文：為________國際標(biāo)準(zhǔn)，銀行定期對其風(fēng)險管理系統(tǒng)進行審計。21.Theriseofremoteworkhasledtoanincreaseindigitalpaymenttransactions,asemployeeshandlemoretransactionsoutsidetraditionalofficehours.→中文：________的普及導(dǎo)致電子支付交易量上升，因為員工在非傳統(tǒng)辦公時間處理更多交易。22.Thelocalbranchhaslaunchedacreditevaluationprogramtosupportentrepreneursinthemaritimeindustry,offeringtailoredfinancialsolutions.→中文：________推出了一套信用評估計劃，以支持________的創(chuàng)業(yè)者，提供定制化的金融解決方案。23.Thebank’smobileapphasbeenupdatedtoincludereal-timecurrencyconversiontools,cateringtocustomerswithinternationalbusinessneeds.→中文：銀行的手機應(yīng)用程序已更新，增加了________，以滿足________客戶的國際業(yè)務(wù)需求。24.Thesustainabilityreportemphasizestheimportanceofgreenfinanceinreducingtheenvironmentalfootprintoffinancialinstitutions.→中文：可持續(xù)發(fā)展報告強調(diào)了________在減少金融機構(gòu)________中的作用。答案與解析第一部分：選詞填空1.B.revolutionized解析：digitalbanking的快速發(fā)展徹底改變了傳統(tǒng)金融服務(wù)模式，用“revolutionized”更符合語境。2.B.triggered解析：政府倡議直接引發(fā)了外國投資增加，用“triggered”表示因果關(guān)系。3.A.mitigate解析：緩解信用違約風(fēng)險，用“mitigate”最準(zhǔn)確。4.A.enhanced解析：AI提升了交易效率，用“enhanced”表示增強。5.D.curb解析：減少碳排放，用“curb”比“reduce”更強調(diào)控制。第二部分：閱讀理解6.B.Toimprovelogisticsfinancingefficiency解析：文章明確提到區(qū)塊鏈系統(tǒng)用于簡化物流融資。7.B.Insufficientcreditdataforsmallbusinesses解析：文章指出小企業(yè)缺乏信用數(shù)據(jù)是主要障礙。8.B.Providingsubsidiesforruralfinancialinclusion解析：報告提到央行提出補貼政策支持農(nóng)村金融。9.B.Digitalandblockchaintechnologieswillplayakeyrole解析：文章強調(diào)科技對金融創(chuàng)新的重要性。第三部分：句子改錯10.→Correct:Thebank’snewmobileapphasimprovedcustomerexperiencebyallowinguserstotransferfundsinstantlyandmakepaymentswithoutinstallingadditionalsoftware.解析：刪除“need”。11.→Correct:Althoughthelocaleconomyhasgrowninrecentyears,unemploymentratesinruralareasstillremainhighduetolackofindustrialdiversifica