招商銀行唐山市豐南區(qū)2025秋招筆試英語題專練及答案第一部分：詞匯選擇（共10題，每題1分）說明：每題空缺處需要填入一個最合適的單詞，選項均為名詞、動詞或形容詞。1.TherapiddevelopmentofAItechnologyhas______thetraditionalbankingindustry,requiringbankstoadaptquickly.A.revolutionizedB.standardizedC.simplifiedD.centralized2.Asafinancialinstitution,ChinaMerchantsBankemphasizestheimportanceof______inwealthmanagementservices.A.riskassessmentB.customersatisfactionC.regulatorycomplianceD.alloftheabove3.TheeconomicgrowthinTangshanCityhas______thedemandforcommercialloansinFengnanDistrict.A.declinedB.stabilizedC.surgedD.reduced4.Banksoftenuse______toevaluatethecreditworthinessofsmallandmedium-sizedenterprises(SMEs).A.financialratiosB.collateralC.interestratesD.bothAandB5.The______sectorplaysacrucialroleinsupportingthemanufacturingindustryinFengnanDistrict.A.agriculturalB.industrialC.commercialD.service6.ChinaMerchantsBankhasbeencommittedto______toenhancefinancialinclusion.A.reducingfeesB.expandingbranchesC.digitaltransformationD.alloftheabove7.The______ofblockchaintechnologyhasthepotentialtoimprovetransactionefficiencyinbanking.A.integrationB.adoptionC.developmentD.innovation8.Thebank’s______teamworkscloselywithlocalenterprisestoprovidecustomizedfinancialsolutions.A.corporatebankingB.retailbankingC.wealthmanagementD.riskmanagement9.The______policyrequiresbankstomaintainacertainlevelofliquiditytoensurestability.A.BaselIIIB.MonetaryPolicyC.Anti-MoneyLaunderingD.FinancialStability10.The______oftheSino-JapaneseeconomiccooperationzonehasboostedtradefinancinginTangshan.A.establishmentB.expansionC.developmentD.reform第二部分：閱讀理解（共5題，每題2分）說明：閱讀以下短文，回答問題。Passage:Theriseofdigitalbankinghastransformedthewayfinancialinstitutionsoperate,particularlyinregionslikeFengnanDistrict,TangshanCity,wheretraditionalbankingpracticesarebeingdisrupted.ChinaMerchantsBankhasbeenattheforefrontofthistransformationbyleveragingfintechsolutionstoimprovecustomerexperienceandoperationalefficiency.Thebank’sdigitalplatformsallowclientstoaccessservicessuchasmobilepayments,onlineloans,andwealthmanagementwithease.However,challengesremain.Theintegrationofdigitaltechnologyrequiressignificantinvestmentininfrastructureandtalent.Additionally,regulatorycomplianceinthedigitalspaceiscomplexandevolving.Toaddresstheseissues,thebankhasformedspecializedteamstomonitortechnologicaladvancementsandensureadherencetofinancialregulations.Thesuccessofthisstrategyliesinbalancinginnovationwithriskmanagement.1.Whatisthemainfocusofthepassage?A.TheeconomicgrowthinFengnanDistrict.B.Thechallengesofdigitalbanking.C.Theroleoffintechinbankingtransformation.D.Theimportanceofregulatorycompliance.2.Accordingtothepassage,howhasChinaMerchantsBankimprovedcustomerservice?A.Byexpandingphysicalbranches.B.Byinvestingindigitalplatforms.C.Byreducingfees.D.Byhiringmoreemployees.3.Whatchallengesdoesdigitalbankingpresenttofinancialinstitutions?A.Highcostsofinfrastructure.B.Regulatorycomplexity.C.Customerresistance.D.BothAandB.4.WhatdoesthepassagesuggestaboutthefutureofbankinginFengnanDistrict?A.Traditionalbankingwilldominate.B.Digitalsolutionswillreplaceallphysicalservices.C.Amixofdigitalandtraditionalmethodswillbemosteffective.D.Thebankingsectorwilldecline.5.Whyisriskmanagementimportantinthecontextofdigitalbanking?A.Toensureprofitability.B.Tocomplywithregulations.C.Toattractmorecustomers.D.Toreducecosts.第三部分：完形填空（共5題，每題2分）說明：閱讀以下短文，根據(jù)上下文選擇最合適的選項填入空格。ThebankingsectorinFengnanDistricthasundergonesignificantchangesinrecentyears.Withthe______ofnewfinancialtechnologies,traditionalbankshavehadto______theiroperationstoremaincompetitive.ChinaMerchantsBank,forexample,has______itsdigitalbankingplatformtobetterservelocalbusinessesandindividuals.Thisshifthasnotbeenwithout______.Thebankhasfacedchallengessuchascybersecuritythreatsandtheneedto______staffwithdigitalskills.However,thelong-termbenefitsofdigitaltransformationare______.Byimprovingefficiencyandcustomersatisfaction,thebankhasbeenableto______itsmarketshareintheregion.1.A.riseB.fallC.declineD.growth2.A.modernizeB.simplifyC.expandD.reduce3.A.enhancedB.expandedC.developedD.improved4.A.difficultiesB.opportunitiesC.benefitsD.risks5.A.trainedB.hiredC.replacedD.retained第四部分：翻譯（共2題，每題3分）說明：將以下句子翻譯成英文。1.隨著唐山豐南區(qū)的經(jīng)濟發(fā)展，對銀行服務的需求日益增長。TheeconomicdevelopmentinFengnanDistrict,TangshanCityhas______thedemandforbankingservices.2.招商銀行通過創(chuàng)新金融產(chǎn)品，積極支持中小企業(yè)融資。ChinaMerchantsBankactively______SMEfinancingby______innovativefinancialproducts.第五部分：寫作（1題，10分）說明：寫一篇短文（150-200詞），主題為“科技如何改變銀行業(yè)務”。SampleAnswerOutline:-Introduction:Brieflymentiontheimpactoftechnologyonbanking.-Body:Discussdigitalbanking,riskmanagement,andcustomerexperience.-Conclusion:Summarizethekeybenefitsoftechnologicalintegration.答案及解析第一部分：詞匯選擇1.A(revolutionized)-解析：AI技術“顛覆”了傳統(tǒng)銀行業(yè)，故選revolutionized（革命化）。2.D-解析：銀行強調(diào)風險管理、客戶滿意度和合規(guī)性，故選alloftheabove。3.C-解析：豐南區(qū)的經(jīng)濟增長“激增”了商業(yè)貸款需求。4.D-解析：銀行評估中小企業(yè)信用時，常用財務比率和抵押品。5.B-解析：豐南區(qū)的制造業(yè)依賴“工業(yè)”部門支持。6.D-解析：銀行通過降低費用、擴張網(wǎng)點和數(shù)字化提升普惠金融。7.A-解析：區(qū)塊鏈技術的“整合”能提高交易效率。8.A-解析：公司銀行業(yè)務團隊服務當?shù)仄髽I(yè)。9.A-解析：巴塞爾III協(xié)議要求銀行維持流動性。10.A-解析：中日經(jīng)濟合作區(qū)的“建立”促進了貿(mào)易融資。第二部分：閱讀理解1.C-解析：文章主要討論金融科技對銀行業(yè)的影響。2.B-解析：招商銀行通過數(shù)字化平臺提升客戶體驗。3.D-解析：文章提到基礎設施投資和監(jiān)管復雜性。4.C-解析：文章暗示混合模式更有效。5.B-解析：數(shù)字銀行需遵守法規(guī)，故風險管理很重要。第三部分：完形填空1.A-解析：新金融技術的“興起”改變了銀行業(yè)。2.A-解析：銀行需“現(xiàn)代化”以保持競爭力。3.B-解析：招商銀行“擴展”了其數(shù)字平臺。4.A-解析：數(shù)字化轉(zhuǎn)型面臨“困難”。5.D-解析：銀行“留住”具備數(shù)字技能的員工。第四部分：翻譯1.increased-完整句子：TheeconomicdevelopmentinFengnanDistrict,TangshanCityhasincreasedthedemandforbankingservices.2.supports;developing-完整句子：ChinaMerchantsBankactivelysupportsSMEfinancingbydevelopinginnovativefinancialproducts.第五部分：寫作（參考范文）SampleE