招商銀行杭州市拱墅區(qū)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，合計10分）題目：請根據(jù)上下文，選擇最合適的單詞填入空格中。1.Therapiddevelopmentoffintechhas__________thetraditionalbankingindustrytoinnovateandadapttothedigitalera.A.forcedB.encouragedC.challengedD.supported2.AsaleadingfinancialinstitutioninChina,ChinaMerchantsBankiscommittedto__________sustainableeconomicgrowththroughresponsiblebankingpractices.A.promotingB.disruptingC.competingD.ignoring3.Thenewpolicyaimsto__________thegapbetweenurbanandruralfinancialservicesinHangzhou,ensuringequalaccesstobankingresources.A.widenB.narrowC.expandD.bridge4.TheAI-drivenriskassessmentsystematChinaMerchantsBankhelps__________creditfraudbyanalyzinglargevolumesoftransactiondatainrealtime.A.detectB.preventC.mitigateD.eliminate5.Toenhancecustomersatisfaction,thebankplansto__________itsmobilebankingappwithmorepersonalizedfeaturesandsmarternotifications.A.upgradeB.downgradeC.simplifyD.integrate二、閱讀理解（共4題，每題3分，合計12分）題目：閱讀以下短文，回答問題。Passage:TheriseofdigitalbankinghastransformedthewayconsumersinteractwithfinancialservicesinChina.TraditionalbankslikeChinaMerchantsBankhavehadtopivotfromoffline-centricmodelstodigital-firststrategies.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC),65%ofChineseconsumersnowprefermobilebankingoverphysicalbranchesforroutinetransactions.Thisshifthaspushedbankstoinvestheavilyinfintechpartnerships,blockchaintechnology,andAI-drivensolutions.However,challengesremain,suchascybersecurityrisksandtheneedforcontinuouscustomereducationondigitalplatforms.Questions:1.Whatisthemainthemeofthepassage?A.ThedeclineoftraditionalbankinginChina.B.Theimpactofdigitalbankingonconsumerbehavior.C.Theroleoffintechinmodernbanking.D.ThechallengesfacedbyChinaMerchantsBank.2.Accordingtothepassage,whatpercentageofChineseconsumersprefermobilebanking?A.50%B.60%C.65%D.70%3.WhichofthefollowingisNOTmentionedasanareaofinvestmentforbanks?A.FintechpartnershipsB.TraditionalbranchexpansionC.BlockchaintechnologyD.AI-drivensolutions4.Whatdoesthepassagesuggestasaremainingchallengefordigitalbanking?A.Highcostsofdigitalinfrastructure.B.Cybersecurityrisks.C.Increasedcompetitionfromfintechstartups.D.Lackofcustomertrustindigitalplatforms.三、語法填空（共5題，每題2分，合計10分）題目：根據(jù)句意，用括號內(nèi)單詞的適當形式填空。1.ThenewcreditscoringmodelatChinaMerchantsBank__________(apply)toallretailcustomersnationwidebytheendof2025.2.To__________(reduce)theriskofloandefaults,thebankrequiresborrowerstoprovidemorecollateral.3.Ourteamisworkingonaprojectto__________(optimize)theefficiencyofautomatedtellermachines(ATMs)inHangzhou.4.Ifcustomers__________(meet)theminimumcreditscorerequirement,theymayqualifyforadiscountoninterestrates.5.Thebank’smobileapphas__________(introduce)severalnewfeaturestoimproveuserexperiencesincelastyear.四、完形填空（共5題，每題2分，合計10分）題目：閱讀以下短文，選擇最佳選項填空。Lastyear,ChinaMerchantsBanklaunchedapilotprograminHangzhouto__1__contactlesspaymentsinpublictransportation.Theinitiativeaimedto__2__theconvenienceofdigitaltransactionswhilereducingrelianceoncash.Initially,onlyafewsubwaystations__3__theservice,butitquicklygainedpopularityamongcommuters.Accordingtobankdata,usageincreasedby30%withinthefirstthreemonths.To__4__thisgrowth,thebankexpandedtheservicetoallmetrolinesbytheendoftheyear.Thesuccessoftheprogramhighlightsthebank’scommitmentto__5__theneedsofmodernconsumers.1.A.introduce2.A.promote3.A.supported4.A.sustain5.A.meeting五、翻譯（共5題，每題3分，合計15分）題目：將以下中文句子翻譯成英文。1.招商銀行致力于通過金融科技賦能小微企業(yè)，助力其數(shù)字化轉(zhuǎn)型。2.杭州市拱墅區(qū)作為金融創(chuàng)新試點，吸引了多家銀行設立分支機構。3.為提升客戶體驗，銀行計劃推出24小時智能客服系統(tǒng)。4.新的監(jiān)管政策要求銀行加強對個人金融信息的保護。5.通過大數(shù)據(jù)分析，銀行能夠更精準地評估客戶的信用風險。答案與解析一、選詞填空1.C.challenged-解析：Fintech的發(fā)展對傳統(tǒng)銀行業(yè)提出了挑戰(zhàn)，使其必須創(chuàng)新適應數(shù)字化時代。2.A.promoting-解析：銀行致力于通過負責任的銀行業(yè)務實踐促進可持續(xù)經(jīng)濟增長。3.B.narrow-解析：政策旨在縮小城鄉(xiāng)金融服務差距，確保平等獲取銀行資源。4.A.detect-解析：AI驅(qū)動的風險評估系統(tǒng)通過分析實時交易數(shù)據(jù)幫助檢測信用欺詐。5.A.upgrade-解析：為提升客戶滿意度，銀行計劃升級移動銀行應用，增加個性化功能。二、閱讀理解1.B.Theimpactofdigitalbankingonconsumerbehavior-解析：文章主要討論數(shù)字銀行如何改變消費者行為，而非傳統(tǒng)銀行的衰落或其他選項。2.C.65%-解析：原文明確指出65%的中國消費者更偏好移動銀行。3.B.Traditionalbranchexpansion-解析：文章提到銀行投資于fintech、區(qū)塊鏈和AI，但未提傳統(tǒng)網(wǎng)點擴張。4.B.Cybersecurityrisks-解析：文章指出數(shù)字銀行面臨的持續(xù)挑戰(zhàn)之一是網(wǎng)絡安全風險。三、語法填空1.applies-解析：動詞原形用于一般現(xiàn)在時，主語是Thenewcreditscoringmodel（單數(shù)）。2.toreduce-解析：不定式表目的，意為“為了減少風險”。3.tooptimize-解析：不定式表目的，意為“致力于優(yōu)化ATM效率”。4.meet-解析：條件句中，if從句使用一般現(xiàn)在時表將來。5.hasintroduced-解析：現(xiàn)在完成時，強調(diào)自去年以來已推出的新功能。四、完形填空1.introduce2.promote3.supported4.sustain5.meeting五、翻譯1.ChinaMerchantsBankiscommittedtoempoweringsmallandmedium-sizedenterprisesthroughfintechtohelpthemachievedigitaltransformation.2.Asafinancialinnovationpilotzone,theGongshuDistrictofHangzhouhasattractedseveralbankstosetupbranches.3.Toenhancecustomerexperience,thebankplanstolauncha24-hou