招商銀行紹興市上虞區(qū)2025秋招筆試英語題專練及答案第一部分：選詞填空（15題，每題1分）本部分共15題，每題從四個選項中選擇一個最佳答案填入句子空白處。1.ThenewfinancialtechnologyparkinShangyuaimstoattractinnovativestartupsbyoffering__________incentives.A.competitiveB.traditionalC.outdatedD.minimal→答案：A→解析：金融科技園區(qū)吸引創(chuàng)新企業(yè)需要提供有競爭力的政策或獎勵，故選competitive。2.Despitetheeconomicdownturn,thebankingsectorinZhejiangremains__________duetostrongregulatorysupport.A.stagnantB.resilientC.volatileD.negligible→答案：B→解析：浙江省銀行業(yè)受政策支持保持韌性，故選resilient。3.Thelocalgovernmenthasimplementedseveralmeasuresto__________thedigitaldividebetweenurbanandruralareasinShangyu.A.exacerbateB.narrowC.widenD.overlook→答案：B→解析：政策旨在縮小城鄉(xiāng)數(shù)字鴻溝，故選narrow。4.Thebank’scustomerserviceteamistrainedtohandleinquirieswith__________efficiency.A.lethargicB.meticulousC.erraticD.negligent→答案：B→解析：銀行客服需細致高效，故選meticulous。5.ThemergerbetweentwolocalfinancialinstitutionsinShangyuhas__________themarketcompetition.A.intensifiedB.relaxedC.stabilizedD.eliminated→答案：A→解析：兩家金融機構(gòu)合并加劇了市場競爭，故選intensified。6.ThebranchinShangyuhasachieveda__________increaseinloanapplicationssincethenewcreditpolicywasintroduced.A.marginalB.significantC.trivialD.gradual→答案：B→解析：新信貸政策推動貸款申請大幅增長，故選significant。7.Thebank’sriskmanagementsystemisdesignedto__________potentialfinanciallosses.A.mitigateB.amplifyC.ignoreD.exploit→答案：A→解析：風(fēng)險管理旨在降低潛在損失，故選mitigate。8.Themobilebankingapphasbeenupdatedtoprovideamore__________userexperience.A.cumbersomeB.intuitiveC.cumbersomeD.archaic→答案：B→解析：移動銀行APP力求用戶體驗更直觀，故選intuitive。9.TheeconomicrecoveryinShangyuhasbeen__________bystrongconsumerspending.A.hamperedB.fueledC.hinderedD.stifled→答案：B→解析：消費支出推動上虞經(jīng)濟復(fù)蘇，故選fueled。10.Thebank’ssustainabilityreporthighlightseffortsto__________carbonemissions.A.reduceB.increaseC.postponeD.ignore→答案：A→解析：銀行致力于減少碳排放，故選reduce。11.Thefinancialinclusionprogramtargetslow-incomefamiliesinruralShangyuto__________theiraccesstobankingservices.A.limitB.expandC.restrictD.delay→答案：B→解析：項目旨在擴大低收入家庭金融服務(wù)覆蓋面，故選expand。12.ThenewsmartATMinShangyuisequippedwith__________biometricauthenticationtoenhancesecurity.A.outdatedB.advancedC.basicD.unreliable→答案：B→解析：智能ATM采用先進生物識別技術(shù)，故選advanced。13.Thebank’sdigitaltransformationstrategyfocuseson__________customerengagementthroughAI-drivensolutions.A.reducingB.elevatingC.diminishingD.neglecting→答案：B→解析：數(shù)字化轉(zhuǎn)型提升客戶互動，故選elevating。14.Theloanofficer’sprimaryresponsibilityisto__________thecreditworthinessofapplicants.A.undermineB.verifyC.dismissD.exaggerate→答案：B→解析：信貸員需核實申請人信用，故選verify。15.TheeconomicpoliciesinZhejianghavecreateda__________environmentforforeigninvestors.A.hostileB.conduciveC.restrictiveD.ambiguous→答案：B→解析：浙江政策對外資有利，故選conducive。第二部分：閱讀理解（5篇，每題2分，共20分）本部分包含5篇短文，每篇短文后有4-5個問題，請根據(jù)文章內(nèi)容選擇最佳答案。Passage1(4題)TherapiddevelopmentoffintechhastransformedthebankingindustryinShangyu.Traditionalfinancialinstitutionsarenowcompetingwithtech-drivenstartupsthatoffermoreefficientanduser-friendlyservices.TheShangyuBank,forinstance,hasintegratedblockchaintechnologyintoitspaymentsystem,reducingtransactiontimesby30%.However,thisshifthasalsoraisedconcernsaboutdatasecurityandregulatorycompliance.Thelocalgovernmenthasrespondedbystrengtheningoversighttoensuretheindustry’ssustainablegrowth.1.Whatisthemainfocusofthepassage?A.Thedeclineoftraditionalbanks.B.TheimpactoffintechonShangyu’sbankingsector.C.Thegovernment’sroleinfinancialregulation.D.Thebenefitsofblockchaintechnology.→答案：B→解析：文章核心是金融科技對上虞銀行業(yè)的影響，故選B。2.HowhasShangyuBankimproveditsservices?A.Byincreasingfees.B.Byreducingtransactiontimes.C.Byhiringmorestaff.D.Byadoptingoutdatedtechnology.→答案：B→解析：文章明確提到區(qū)塊鏈技術(shù)縮短了交易時間，故選B。3.Whatchallengesdoesfintechpose?A.Higherprofits.B.Datasecurityrisks.C.Morejobopportunities.D.Bettercustomerservice.→答案：B→解析：文章指出數(shù)據(jù)安全問題，故選B。4.Whatactionhasthegovernmenttaken?A.Encouragedunregulatedgrowth.B.Strengthenedregulatoryoversight.C.Supportedtraditionalbanksonly.D.Ignoredfintechentirely.→答案：B→解析：政府加強監(jiān)管，故選B。Passage2(4題)Shangyu’seconomyhasseensignificantgrowthinrecentyears,drivenbymanufacturingexportsanddomesticconsumption.However,regionaldisparitiesremainachallenge.Urbanareasbenefitfrombetterinfrastructure,whileruralregionsstrugglewithlimitedaccesstohigh-qualityfinancialservices.Toaddressthis,theShangyuMunicipalBankhaslaunchedaruralrevitalizationprogram,providingmicroloansandtrainingforsmallbusinesses.Theinitiativehasalreadyhelpedover500enterprisesexpandtheiroperations.1.WhatistheprimarydriverofShangyu’seconomicgrowth?A.Tourism.B.Manufacturingexports.C.Governmentsubsidies.D.Foreigninvestment.→答案：B→解析：文章強調(diào)制造業(yè)出口，故選B。2.Whatproblemdoesthepassagehighlight?A.Highunemployment.B.Urban-ruralinequality.C.Over-relianceonforeignmarkets.D.Decliningexports.→答案：B→解析：城鄉(xiāng)差距是核心問題，故選B。3.HowhastheShangyuMunicipalBankresponded?A.Byclosingruralbranches.B.Byofferingfinancialsupport.C.Byraisinginterestrates.D.Byreducingloanlimits.→答案：B→解析：銀行提供小額貸款和培訓(xùn)，故選B。4.Whathasbeentheoutcomeoftheprogram?A.Nosignificantimpact.B.Improvedruralbusinesses.C.Increasedurbandominance.D.Highergovernmentdebt.→答案：B→解析：幫助500多家企業(yè)擴張，故選B。Passage3(4題)ThedigitalbankingrevolutionhasreshapedcustomerexpectationsinShangyu.Youngergenerationsprefermobile-firstsolutions,whileoldercustomersstillvaluein-personinteractions.Tobridgethisgap,theShangyuCommercialBankhasintroducedhybridservices,combiningonlinebankingwithpersonalizedbranchassistance.Thebank’sappnowfeaturesAI-poweredchatbotsfor24/7support,reducingwaitingtimesforcommoninquiries.Surveysshowa20%increaseincustomersatisfactionsincethechangeswereimplemented.1.Whattrenddoesthepassagedescribe?A.Thedeclineofmobilebanking.B.Changingcustomerpreferences.C.Theriseoftraditionalbanking.D.Increasedcompetition.→答案：B→解析：文章關(guān)注客戶偏好變化，故選B。2.HowhastheShangyuCommercialBankadapted?A.Byeliminatingbranches.B.Byofferingmixedservices.C.Byfocusingsolelyonmobile.D.Byignoringdigitaltrends.→答案：B→解析：銀行提供線上線下結(jié)合的服務(wù)，故選B。3.Whattechnologyhasbeenintroduced?A.Blockchainforpayments.B.AIchatbots.C.Cryptocurrencysupport.D.NFCtags.→答案：B→解析：文章明確提到AI聊天機器人，故選B。4.Whathasbeentheresult?A.Nochangeinsatisfaction.B.Lowercustomerengagement.C.Higherservicecosts.D.Improvedcustomersatisfaction.→答案：D→解析：滿意度提升20%，故選D。Passage4(4題)SustainabilityhasbecomeakeypriorityforbusinessesinShangyu.TheShangyuBankhascommittedtoreducingitscarbonfootprintby50%by2030.Thisincludestransitioningtorenewableenergysourcesforitsdatacentersandpromotinggreenfinancingforenvironmentallyfriendlyprojects.Thebank’srecentreportshowsthatitsenergyconsumptionhasdecreasedby15%sincetheinitiativebegan.However,somecriticsarguethatthetargetsaretooambitious.1.Whatisthemaingoalofthebank’ssustainabilityplan?A.Tomaximizeprofits.B.Toreducecarbonemissions.C.Toexpanditsbranchnetwork.D.Toattractmorecustomers.→答案：B→解析：銀行承諾減排50%，故選B。2.Howhasthebankachievedthis?A.Byinvestinginfossilfuels.B.Byusingrenewableenergy.C.Byincreasingenergyuse.D.Byignoringenvironmentalstandards.→答案：B→解析：文章提到轉(zhuǎn)向可再生能源，故選B。3.Whathasbeentheprogresssofar?A.Noimprovement.B.A15%reductioninenergyuse.C.A50%increaseinemissions.D.A30%riseincosts.→答案：B→解析：能源消耗減少15%，故選B。4.Whatisaconcernraisedbycritics?A.Theplanistooslow.B.Thetargetsareunrealistic.C.Thebankisnottransparent.D.Theinitiativeistooexpensive.→答案：B→解析：批評者認為目標過于雄心勃勃，故選B。Passage5(4題)TheriseofdigitalcurrencieshasposedchallengesfortraditionalbankingsystemsinShangyu.Whilethegovernmenthasbannedcryptocurrencies,itisexploringregulateddigitalyuan(e-CNY)adoption.TheShangyuBankhaspartneredwithlocaltechfirmstoteste-CNYtransactionsinhigh-trafficareas.Earlyresultsindicatethatthedigitalcurrencycouldstreamlinepaymentsforsmallbusinesses,especiallyintheretailsector.However,concernsremainaboutcybersecurityandregulatoryenforcement.1.Whatisthegovernment’sstanceondigitalcurrencies?A.Fullsupport.B.Limitedacceptance.C.Prohibition.D.Uncertainty.→答案：C→解析：政府禁止加密貨幣，故選C。2.HowistheShangyuBankexperimentingwithdigitalcurrencies?A.Bybanningthem.B.Bydevelopingnewapps.C.Byconductingpilotprograms.D.Byignoringregulations.→答案：C→解析：銀行與科技公司合作測試，故選C。3.Whatpotentialbenefitismentioned?A.Reducedefficiency.B.Increasedcosts.C.Streamlinedpayments.D.Higherinflation.→答案：C→解析：文章指出數(shù)字貨幣可簡化支付，故選C。4.Whataretheremainingconcerns?A.Economicgrowth.B.Cybersecurityandregulation.C.Consumerdemand.D.Governmentapproval.→答案：B→解析：文章提到安全和監(jiān)管問題，故選B。第三部分：完形填空（10題，每題1分）本部分共10題，請根據(jù)上下文選擇最佳答案填入空白處。ThebankingsectorinShangyuhasundergonesignificanttransformationsinrecentyears.__________(1)theriseoffintech,traditionalbankshavehadtoadapttoremaincompetitive.TheShangyuBank,forinstance,hasinvestedheavilyindigitalinfrastructureto__________(2)customerexperience.ThisincludesupgradingitsmobileappandintroducingAI-poweredchatbotsfor24/7support.__________(3),thebankhasalsoexpandeditsbranchnetworkinruralareasto__________(4)thedigitaldivide.1.A.DespiteB.DuetoC.AlongsideD.Becauseof→答案：B→解析：金融科技崛起是銀行業(yè)變革的原因，故選Dueto。2.A.enhanceB.degradeC.maintainD.ignore→答案：A→解析：銀行投資數(shù)字基建是為了提升客戶體驗，故選enhance。3.A.MoreoverB.HoweverC.ThereforeD.Otherwise→答案：A→解析：這是銀行采取的另一項措施，故選Moreover。4.A.bridgeB.widenC.exploitD.neglect→答案：A→解析：銀行擴張網(wǎng)點以縮小數(shù)字鴻溝，故選bridge。5.Thelocalgovernmenthasimplementedpoliciesto__________(5)foreigndirectinvestmentinShangyu’sfinancialindustry.__________(6),thesuccessoftheseinitiativesdependsoncreatingastableandattractivebusinessenvironment.__________(7),theShangyuCommercialBankhasseena25%increaseindepositssincethenewincentiveswereintroduced.5.A.attractB.deterC.discourageD.limit→答案：A→解析：政策旨在吸引外資，故選attract。6.A.AdditionallyB.ConsequentlyC.NeverthelessD.Similarly→答案：B→解析：成功取決于環(huán)境，故選Consequently。7.A.AsaresultB.DespitethisC.IncontrastD.Forexample→答案：A→解析：存款增長是結(jié)果，故選Asaresult。8.Theriseofdigitalbankinghas__________(8)theneedforphysicalbranchesinurbanareas.__________(9)theShangyuBank,however,hasfoundthathybridmodelscan__________(10)bothcustomerconvenienceandprofitability.8.A.reducedB.increasedC.eliminatedD.preserved→答案：A→解析：數(shù)字銀行減少了對實體網(wǎng)點的需求，故選reduced。9.A.IncontrasttoB.InresponsetoC.AsaresultofD.Forthesakeof→答案：A→解析：與一般趨勢相反，故選Incontrastto。10.A.balanceB.disruptC.enhanceD.diminish→答案：A→解析：混合模式兼顧便利性和盈利，故選balance。第四部分：翻譯（5題，每題2分，共10分）請將以下中文句子翻譯成英文。1.紹興市上虞區(qū)政府的金融扶持政策為當?shù)刂行∑髽I(yè)的快速發(fā)展提供了有力支持。→答案：ThefinancialsupportpoliciesoftheShangyuMunicipalGovernmentinShangyuDistricthavestronglybackedtherapiddevelopmentoflocalsmallandmedium-sizedenterprises.2.招商銀行上虞分行通過引入智能客服系統(tǒng)，顯著提升了客戶服務(wù)效率?！鸢福篢heShangyuBranchofChinaMerchantsBankhassignificantlyimprovedcustomerserviceefficiencybyintroducinganintelligentcustomerservicesystem.3.數(shù)字貨幣的普及對傳統(tǒng)支付方式構(gòu)成了挑戰(zhàn)，但同時也帶來了新的機遇?！鸢福篢hewidespreadadoptionofdigitalcurrenciesposeschallengestotraditionalpaymentmethodsbutalsobringsnewopportunities.4.為了實現(xiàn)可持續(xù)發(fā)展，上虞銀行承諾到2030年將碳排放減少50%?！鸢福篢oachievesustainabledevelopment,theShangyuBankhaspledgedtoreducecarbonemissionsby50%by2030.5.紹興市作為長三角地區(qū)的重要金融節(jié)點，正積極吸引更多金融機構(gòu)入駐。→答案：AsakeyfinancialhubintheYangtzeRiverDeltaregion,Shangyuisactivelyattractingmorefinancialinstitutionstorelocatethere.第五部分：寫作（1題，10分）題目：Shangyu’seconomicgrowthhasbroughtbothopportunitiesandchallenges.Inyouropinion,whatarethemostsignificantbenefitsanddrawbacksofthisrapiddevelopment,andhowcanthelocalgovernmentaddressthem?參考范文：Shangyu’seconomicgrowthhasbeenremarkableinrecentyears,drivenbyadvancementsinmanufacturing,digitalbanking,andinfrastructure.Whilethisprogresshasbroughtnumerousbenefits,italsopresentscertainchallengesthatneedtobeaddressed.Oneofthemostsignificantbenefitsis