招商銀行營(yíng)口市站前區(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：每題空缺處需要從四個(gè)選項(xiàng)中選出一個(gè)最合適的單詞填入。1.Therapiddevelopmentoffintechhassignificantly______thebankingindustry,requiringprofessionalswithstrongdigitalskills.A.revolutionizedB.standardizedC.decentralizedD.centralized2.Asacommercialbank,ChinaMerchantsBankmustprioritize______tomaintaincustomertrustandlong-termstability.A.profitabilityB.innovationC.regulationD.competition3.ThenewbranchinZhanjiangoffers______services,includingwealthmanagementandsmall-businessloans,tocatertolocalneeds.A.customizedB.genericC.automatedD.traditional4.Thelocalgovernment’seconomicpoliciesaimto______foreigninvestmentinthecoastalregionsofLiaoningProvince.A.attractB.discourageC.stabilizeD.eliminate5.Inthebankingsector,riskmanagementisessentialto______potentiallossesandensurecompliancewithfinancialregulations.A.mitigateB.amplifyC.ignoreD.transfer6.Theinterviewpanelevaluatedcandidatesbasedontheirabilityto______complexfinancialproductsforretailclients.A.simplifyB.complicateC.analyzeD.memorize7.ChinaMerchantsBank’smobilebankingapphasbeen______toenhanceuserexperienceandconvenience.A.updatedB.neglectedC.simplifiedD.abandoned8.Theeconomicdownturnhasledtoincreased______intherealestatemarket,affectingmortgagelending.A.demandB.supplyC.volatilityD.stability9.Thebank’scorporatesocialresponsibilityprogramfocuseson______educationandenvironmentalprotectioninruralareas.A.supportingB.neglectingC.underminingD.reducing10.Thedigitaltransformationoffinancialserviceshas______theneedforbranch-basedtransactions.A.reducedB.increasedC.eliminatedD.preserved第二部分：閱讀理解（共5題，每題2分）說明：閱讀以下三篇短文，根據(jù)文章內(nèi)容回答問題。Passage1Theriseoffintechhasreshapedthebankingindustryglobally.TraditionalbankslikeChinaMerchantsBankarenowintegratingdigitalsolutionstoimproveefficiencyandcustomerservice.Forinstance,thebankhaslaunchedAI-poweredchatbotstohandlebasicinquiries,reducingwaittimesforcustomers.However,thisshiftalsoposeschallenges,suchastheneedforskilledprofessionalsindataanalyticsandcybersecurity.ThelocalbankingsectorinLiaoningProvincemustadaptquicklytoremaincompetitive.Questions:1.Whatisthemainimpactoffintechontraditionalbanks?A.IncreasedcompetitionB.DecreasedefficiencyC.EnhanceddigitalcapabilitiesD.Higheroperationalcosts2.Accordingtothepassage,whatskillsareinhighdemandinthebankingsector?A.BranchmanagementB.CustomerserviceC.DataanalyticsandcybersecurityD.FinancialplanningPassage2ChinaMerchantsBankhasexpandeditsservicesinZhanjiang,akeyeconomichubinGuangdongProvince.Thenewbranchoffersspecializedfinancialproducts,suchasone-on-onewealthmanagementandtailoredsmall-businessloans.Thisstrategyalignswiththebank’sgoalofsupportinglocalenterprisesandattractinghigh-net-worthclients.Thebranchalsoemphasizesenvironmentalsustainability,offeringgreenfinancingoptionsforeco-friendlybusinesses.Questions:3.WhatistheprimaryfocusofthenewbranchinZhanjiang?A.Mass-marketbankingB.CorporateloansC.Wealthmanagementandsmall-businesssupportD.Internationalfinance4.Howdoesthebranchcontributetosustainabledevelopment?A.ByreducingfeesB.ByofferinggreenfinancingC.ByincreasingbranchdensityD.BypromotingcashlesstransactionsPassage3TheLiaoningProvincialGovernmenthasintroducedpoliciestoattractforeigninvestmentinthecoastalregions.Thesepoliciesincludetaxincentives,streamlinedregulatoryprocesses,andinfrastructuredevelopment.Thegoalistoboostthelocaleconomyandcreatejobopportunities.However,somecriticsarguethattherapiddevelopmentmayleadtoenvironmentaldegradation.Thegovernmentplanstobalanceeconomicgrowthwithecologicalprotection.Questions:5.Whatisthemainobjectiveoftheprovincialgovernment’spolicies?A.ToreduceforeigninvestmentB.TopromotecoastaleconomicdevelopmentC.ToincreaselocaltaxesD.Tolimitinfrastructureprojects第三部分：句子改錯(cuò)（共5題，每題2分）說明：以下句子中各有一處錯(cuò)誤，請(qǐng)找出并改正。1.Thebank’sdigitalplatformallowscustomerstotransferfundsseamlesslyacrossdifferentaccountsandinstitutions.→Correct:______2.Despitetheeconomicchallenges,thedemandforhomemortgagesremainsrelativelystableinNortheastChina.→Correct:______3.Theloanofficerexplainedthetermsofthemortgagetotheclient,buthedidn’tfullyunderstandtheimplications.→Correct:______4.Thefinancialregulationsrequirebankstoreportallsuspicioustransactionstotheauthoritieswithoutdelay.→Correct:______5.Althoughthebankhasimplementedseveralcost-cuttingmeasures,theprofitshavenotimprovedsignificantlyyet.→Correct:______第四部分：完形填空（共10題，每題1分）說明：閱讀以下短文，根據(jù)上下文選擇最合適的選項(xiàng)填入空格。ThebankingsectorinNortheastChinahasundergonesignificantchangesinrecentyears.(1)digitaltechnology(2)thewayfinancialservicesaredelivered.TraditionalbankslikeChinaMerchantsBankhavehadto(3)theiroperationstomeetcustomerexpectations.Forexample,theadoptionofmobilebankingappshas(4)theneedforphysicalbranches.However,thisshifthasalsocreatednewchallenges,suchasthe(5)ofcyberthreats.Toaddresstheseissues,banksareinvestingin(6)technologiessuchasartificialintelligenceandblockchain.Thesetoolsnotonlyimproveefficiencybutalsoenhancesecurity.(7),thebankingindustrymustalsofocuson(8)skilledprofessionalswhocannavigatetherapidlyevolvingdigitallandscape.ThelocalworkforceinLiaoningProvinceneeds(9)trainingtostaycompetitive.(10),thefutureofbankinginNortheastChinalookspromising,(11)theindustrymustremainadaptableandinnovative.1.A.ModernB.TraditionalC.GlobalD.Local2.A.ChangedB.ImprovedC.DestroyedD.Preserved3.A.ModernizeB.SimplifyC.ExpandD.Reduce4.A.IncreasedB.DecreasedC.StabilizedD.Eliminated5.A.RiskB.OpportunityC.BenefitD.Advantage6.A.AdvancedB.BasicC.OutdatedD.Traditional7.A.MoreoverB.HoweverC.ThereforeD.Despite8.A.HiringB.TrainingC.FiringD.Retiring9.A.ContinuousB.TemporaryC.OptionalD.Mandatory10.A.ThusB.ButC.SoD.While11.A.IfB.UnlessC.BecauseD.Although答案及解析第一部分：詞匯選擇1.A.revolutionized-解析：Fintech（金融科技）對(duì)銀行業(yè)的影響是革命性的，因此“revolutionized”（使革命化）最合適。2.C.regulation-解析：商業(yè)銀行的核心任務(wù)是合規(guī)經(jīng)營(yíng)，因此“regulation”（監(jiān)管）最符合語境。3.A.customized-解析：銀行分支機(jī)構(gòu)的業(yè)務(wù)應(yīng)根據(jù)當(dāng)?shù)匦枨蠖ㄖ疲虼恕癱ustomized”（定制的）最合適。4.A.attract-解析：政府政策的目標(biāo)是吸引外國(guó)投資，因此“attract”（吸引）最符合語境。5.A.mitigate-解析：風(fēng)險(xiǎn)管理的主要目的是減輕潛在損失，因此“mitigate”（減輕）最合適。6.C.analyze-解析：銀行需要分析復(fù)雜金融產(chǎn)品，因此“analyze”（分析）最符合語境。7.A.updated-解析：手機(jī)銀行App持續(xù)更新以提升用戶體驗(yàn)，因此“updated”（更新的）最合適。8.C.volatility-解析：經(jīng)濟(jì)下行導(dǎo)致房地產(chǎn)市場(chǎng)波動(dòng)加劇，因此“volatility”（波動(dòng)性）最符合語境。9.A.supporting-解析：銀行的CSR項(xiàng)目關(guān)注教育和環(huán)保，因此“supporting”（支持）最合適。10.A.reduced-解析：數(shù)字化轉(zhuǎn)型減少了線下交易需求，因此“reduced”（減少的）最合適。第二部分：閱讀理解1.C.Enhanceddigitalcapabilities-解析：文章提到fintech使傳統(tǒng)銀行提升了數(shù)字化能力。2.C.Dataanalyticsandcybersecurity-解析：文章指出銀行業(yè)需要數(shù)據(jù)分析和網(wǎng)絡(luò)安全技能。3.C.Wealthmanagementandsmall-businesssupport-解析：文章明確提到新分行的重點(diǎn)是財(cái)富管理和小微企業(yè)貸款。4.B.Offeringgreenfinancing-解析：文章提到分行提供綠色融資選項(xiàng)以支持環(huán)保企業(yè)。5.B.Topromotecoastaleconomicdevelopment-解析：文章指出政府的政策目標(biāo)是促進(jìn)沿海經(jīng)濟(jì)發(fā)展。第三部分：句子改錯(cuò)1.Thebank’sdigitalplatformallowscustomerstotransferfundsseamlesslyacrossdifferentaccountsandinstitutions.→Correct:Thebank’sdigitalplatformallowscustomerstotransferfundsseamlesslybetweendifferentaccountsandinstitutions.-解析：應(yīng)改為“between”，表示賬戶之間的轉(zhuǎn)賬。2.Despitetheeconomicchallenges,thedemandforhomemortgagesremainsrelativelystableinNortheastChina.→Correct:Despitetheeconomicchallenges,thedemandforhomemortgagesremainsrelativelystableintheNortheastChina.-解析：應(yīng)加上定冠詞“the”，表示東北地區(qū)的房地產(chǎn)市場(chǎng)。3.Theloanofficerexplainedthetermsofthemortgagetotheclient,buthedidn’tfullyunderstand