平安銀行嘉興市海鹽縣2025秋招筆試英文行測高頻題含答案一、選詞填空（共5題，每題2分，共10分）題目：閱讀以下段落，從每題所給的四個(gè)選項(xiàng)中選出一個(gè)最佳答案填入空格內(nèi)，使段落意思完整、準(zhǔn)確。1.Therapiddevelopmentoffintechhassignificantly______thetraditionalbankingindustry,forcingmanyinstitutionstoadapttheirbusinessmodelstoremaincompetitive.A.transformedB.revolutionizedC.influencedD.innovated2.To______theincreasingdemandfordigitalbankingservices,平安銀行hasinvestedheavilyinAI-drivensolutionsandmobileplatformoptimization.A.meetB.exceedC.reduceD.limit3.TheeconomicdownturninZhejiangProvincehas______theloanapprovalprocessmorestringent,asregulatorstightenoversighttopreventfinancialrisks.A.complicatedB.simplifiedC.relaxedD.standardized4.LocalpolicymakersinHaiyanCountyareworkingto______cross-bordertradefinancebystreamliningcustomsproceduresandreducingpaperwork.A.promoteB.hinderC.regulateD.eliminate5.Thebank’ssustainabilityreporthighlightsitscommitmentto______carbonemissionsby2030,aligningwithglobalclimategoals.A.reduceB.increaseC.offsetD.postpone二、閱讀理解（共4題，每題3分，共12分）題目：閱讀以下文章，回答問題。Passage:Theintegrationofbigdataanalyticsintobankingoperationshasrevolutionizedriskmanagementinthefinancialsector.Traditionalcreditassessmentmodelsreliedheavilyonfixedincomehistoriesandcollateral,butmodernbanksleveragevastdatasets—suchastransactionrecords,socialmediabehavior,andreal-timeeconomicindicators—topredictborrowerreliabilitywithhigheraccuracy.Forinstance,平安銀行’sAI-driven"CreditVision"systemanalyzesover500datapointsperapplicant,reducingdefaultratesby30%comparedtoconventionalmethods.However,thisapproachraisesethicalconcerns.Privacyadvocatesarguethatextensivedatacollectionmayviolateconsumerrights,whileregulatorsemphasizetheneedfortransparentalgorithmstopreventdiscrimination.Meanwhile,theriseofquantumcomputingthreatenstoundermineencryptionsafeguards,necessitatingimmediateupgradesincybersecurityframeworks.1.Whatistheprimarypurposeofthepassage?A.Tocriticizetheuseofbigdatainbanking.B.Tohighlightthebenefitsofbigdataanalyticsinfinance.C.Todiscusschallengesandopportunitiesindigitalbanking.D.TopromoteAIasthefutureofcreditassessment.2.Accordingtothepassage,howdoesCreditVisionimprovecreditriskmanagement?A.Byrelyingsolelyonincomehistory.B.Byanalyzingmultipledatasources.C.Byreducingtheroleofhumanjudgment.D.Byeliminatingtheneedforcollateral.3.Whatethicalissueismentionedregardingbigdatainbanking?A.Datasecurityvulnerabilities.B.Potentialprivacyviolations.C.Regulatorycompliancecosts.D.Highimplementationexpenses.4.Theword"undermine"inthelastparagraphisclosestinmeaningto:A.strengthenB.weakenC.replaceD.optimize三、語法填空（共5題，每題2分，共10分）題目：閱讀以下句子，在空白處填入一個(gè)最恰當(dāng)?shù)脑~（動詞、名詞、形容詞等），使句子語法正確、意思通順。1.Despitethe______(complicate)economicconditions,thelocalbranchmanagedtoexpanditsloanportfolioby15%.2.Thenewblockchain-basedsystemwill______(reduce)transactionfeesbyatleast40%inthenextfiscalyear.3.ManysmallbusinessesinHaiyanCountystruggleto______(access)affordablecreditduetostringentcollateralrequirements.4.Thebank’ssustainabilitystrategyaimsto______(align)withtheUnitedNations’SDGgoalsby2027.5.Regulatorycomplianceremainsatoppriorityforfinancialinstitutions,______(requiring)continuousupdatestointernalpolicies.四、句子改錯(cuò)（共5題，每題2分，共10分）題目：以下句子均存在語法錯(cuò)誤，請指出并改正。1.Theteamhasbeenworkingonimprovingcustomerservicesincelastmonth.→2.Iftheeconomycontinuestogrow,thedemandformortgageswillrise.→3.Neithertheloanofficernorthecustomersagreewiththenewterms.→4.Althoughthedigitalbankingplatformisuser-friendly,itstillrequiressomeoptimization.→5.Thebank’sprofitmarginshavedeclinedduetoincreasedcompetitionandrisingoperationalcosts.→五、完形填空（共6題，每題2分，共12分）題目：閱讀以下段落，從每題所給的四個(gè)選項(xiàng)中選出一個(gè)最佳答案填入空格內(nèi)。Theriseofmobilebankinghas______(1)thewayconsumersinteractwithfinancialservices.Unliketraditionalbanking,mobileappsallowcustomerstoperformtransactionsanytime,anywhere.However,thisshiftalso______(2)newchallenges,suchascybersecurityrisksanddigitaldivideamongelderlypopulations.平安銀行hasbeenattheforefrontofaddressingtheseissuesbyofferingin-appfrauddetectionandsimplifiedinterfacesforseniorcitizens.(1)A.transformedB.revolutionizedC.simplifiedD.standardized(2)A.introduceB.introduceC.introducesD.introduced(3)Thebank’sdigitalwalletservicehas______(3)over5millionusersinthefirstsixmonthsofoperation.A.attractB.attractedC.attractsD.attracting(4)To______(4)userengagement,平安銀行hasintegratedgamificationelementsintoitsmobileapp,suchasrewardpointsforregulartransactions.A.boostB.reduceC.limitD.maintain(5)Despitetheseadvancements,regulatoryscrutinyremainsasignificant______(5)forfintechcompaniesinChina.A.obstacleB.opportunityC.incentiveD.priority(6)Thebankplansto______(6)itsAIcapabilitiesfurtherbypartneringwithleadingtechfirmsinthenextyear.A.enhanceB.diminishC.ignoreD.reduce答案與解析一、選詞填空1.B.revolutionized解析："Revolutionized"meanstobringaboutaradicalchange,whichfitsthecontextoffintechdisruptingtraditionalbanking.2.A.meet解析："Meetdemand"isacommoncollocationinbusinesscontexts.3.A.complicated解析：Economicdownturnsoftenleadtomorecomplexloanapprovalprocessesduetoriskaversion.4.A.promote解析：Thegoalistoencouragecross-bordertradefinance,so"promote"isthemostlogicalchoice.5.A.reduce解析："Reducecarbonemissions"isastandardenvironmentalpolicyterm.二、閱讀理解1.C.Todiscusschallengesandopportunitiesindigitalbanking.解析：Thepassagebalancesbenefits(e.g.,improvedriskmanagement)anddrawbacks(e.g.,privacyconcerns).2.B.Byanalyzingmultipledatasources.解析：Thetextexplicitlymentions"over500datapoints,"implyingacomprehensiveapproach.3.B.Potentialprivacyviolations.解析：Thepassagenotes"privacyadvocatesarguethatextensivedatacollectionmayviolateconsumerrights."4.B.weaken解析："Undermine"meanstoweakenordamage,asquantumcomputingcouldbreakencryption.三、語法填空1.complicated解析：Theadjectiveformof"complicate"fitsthesentencestructure.2.reduce解析：Thepassivevoice"willreduce"isgrammaticallycorrect.3.access解析：Theverb"access"(toobtain)completesthemeaning.4.align解析：Theverb"align"(tomatch)isappropriatehere.5.requiring解析：Theparticipleformmodifies"regulatorycompliance."四、句子改錯(cuò)1.原句：Theteamhasbeenworkingonimprovingcustomerservicesincelastmonth.改正：Theteamhasbeenworkingonimprovingcustomerserviceforlastmonth.解析："Since"requiresaspecificpointintime,while"for"takesaduration.2.原句：Iftheeconomycontinuestogrow,thedemandformortgageswillrise.改正：Iftheeconomycontinuestogrow,thedemandformortgageswillrise.解析：Theadverb"continues"shouldmodifytheverb"togrow."3.原句：Neithertheloanofficernorthecustomersagreewiththenewterms.改正：Neithertheloanofficernorthecustomersagreewiththenewterms.解析：With"neither...nor,"theverbagreeswiththesubjectclosertoit(customers).4.原句：Althoughthedigitalbankingplatformisuser-friendly,itstillrequiressomeoptimization.改正：Althoughthedigitalbankingplatformisuser-friendly,itstillrequiressomeoptimization.解析：Thesentenceisgrammatically