興業(yè)銀行寧波市鎮(zhèn)海區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）directions:Choosethebestwordtofillineachblank.1.ThelocalbankingsectorinNingbohasshownremarkable______indigitaltransformationoverthepastdecade.A.developmentB.innovationC.efficiencyD.competition2.Ourteamiscurrently______onaprojecttooptimizefinancialservicesforsmallandmediumenterprisesinZhejiang.A.focusingB.operatingC.collaboratingD.expanding3.Thenewpolicyaimsto______thegapbetweenurbanandruralfinancialservicesinChina.A.narrowB.widenC.bridgeD.reduce4.Thebank’ssustainabilityreporthighlightsitseffortsto______carbonemissionsby2030.A.decreaseB.increaseC.maintainD.balance5.Duetoregulatorychanges,thebankhashadto______itsriskmanagementstrategies.A.reviseB.ignoreC.adoptD.expand6.The______offintechstartupsintheYangtzeRiverDeltahasacceleratedinrecentyears.A.emergenceB.declineC.stagnationD.reduction7.Customersincreasinglyexpectbankstoprovide______paymentsolutionsthatintegratewiththeirdailylives.A.convenientB.complexC.traditionalD.innovative8.The______ofAIincreditassessmenthasimprovedloanapprovalefficiencysignificantly.A.implementationB.rejectionC.rejectionD.oversight9.Thebank’sbranchinZhenhaiisstrategicallylocatedtoservethegrowing______marketinnorthernNingbo.A.industrialB.residentialC.commercialD.agricultural10.The______ofblockchaintechnologyinsupplychainfinancehasreducedtransparencyissues.A.adoptionB.rejectionC.exclusionD.avoidance二、閱讀理解（共5題，每題2分）directions:Readthepassagebelowandanswerthequestions.Passage:TherapiddevelopmentofdigitalbankinginChinahastransformedthewayfinancialservicesaredelivered.TraditionalbankslikeIndustrialBankandChinaMerchantsBankhaveheavilyinvestedinfintechtoimprovecustomerexperience.IncoastalregionssuchasNingbo,theintegrationofmobilebankingwithlocaltradehasbecomeparticularlyeffective.Forinstance,theZhenhaibranchofIndustrialBankhasintroducedacashlesspaymentsystemtailoredtotheporteconomy,facilitatingtransactionsbetweentradersandmanufacturers.However,challengesremain,includingcybersecurityrisksandtheneedformorepersonalizedservices.Thecentralbank’srecentguidelinesencouragebankstofocusondataprivacyandinteroperabilitybetweenplatforms.Asaresult,financialinstitutionsareexpectedtoadoptmorerobusttechnologicalframeworkstostaycompetitive.1.WhathassignificantlychangedthedeliveryoffinancialservicesinChina?A.IncreasedbranchnetworksB.DigitaltransformationC.HigherinterestratesD.Greatergovernmentregulation2.HowhastheZhenhaibranchofIndustrialBankadaptedtothelocaleconomy?A.ExpandedphysicaloperationsB.IntroducedacashlesspaymentsystemC.ReducedloanapprovalsD.Focusedonruralbanking3.WhatchallengesdodigitalbanksfaceinChina?A.InsufficientgovernmentsupportB.CybersecurityrisksandlackofpersonalizationC.HighoperationalcostsD.Limitedcustomerengagement4.Whatarethecentralbank’srecentguidelinesencouragingbankstodo?A.IncreasefeesB.FocusondataprivacyandinteroperabilityC.ReduceinvestmentsinfintechD.Strengthenbranchnetworks5.WhatdoesthepassagesuggestaboutthefutureofdigitalbankinginChina?A.ItwilldeclineduetoregulatorypressureB.ItwillgrowwithbettertechnologyandpoliciesC.ItwillremainunchangedD.Itwillfocusonlyonlargecities三、完形填空（共10題，每題1分）directions:Completethepassagewiththebestchoice.ThebankingsectorinNingbohasundergonesignificantchangesinthepastdecade.Withtheriseof______(6)technology,traditionalfinancialinstitutionshavehadtoadapttonew______(7).Forexample,theuseofbigdataincreditscoringhas______(8)loanapprovalprocesses.Meanwhile,thelocalgovernmenthas______(9)incentivestopromotedigitalpayments,aimingtoreducecashtransactions.However,themost______(10)challengeremainstheneedforbettercybersecuritymeasures.Asaresult,banksinZhenhaiareinvestingheavilyin______(11)systemstoprotectcustomerdata.Additionally,theintegrationofAIincustomerservicehas______(12)theoverallefficiencyoffinancialoperations.Inthefuture,thesuccessofbanksinthisregionwilldependontheirabilityto______(13)thesetechnologicaltrendswhilemaintainingtrust.TheexampleofIndustrialBank’sZhenhaibranchshowsthatwhenbanks______(14)theirservicestolocalneeds,theycanachieveremarkablegrowth.Thus,thefutureofbankinginNingboliesinitsabilitytobalanceinnovationwithstability.6.A.artificialB.digitalC.traditionalD.innovative7.A.regulationsB.opportunitiesC.challengesD.technologies8.A.simplifiedB.complicatedC.delayedD.ignored9.A.introducedB.eliminatedC.reducedD.expanded10.A.seriousB.minorC.temporaryD.gradual11.A.protectiveB.vulnerableC.outdatedD.inefficient12.A.reducedB.improvedC.disruptedD.neglected13.A.ignoreB.adapttoC.opposeD.relyon14.A.customizeB.generalizeC.ignoreD.standardize四、翻譯（共5題，每題2分）directions:TranslatethefollowingsentencesintoEnglish.1.寧波市鎮(zhèn)海區(qū)的經(jīng)濟(jì)發(fā)展為銀行業(yè)提供了廣闊的市場機(jī)遇。2.隨著金融科技的快速發(fā)展，銀行需要加強(qiáng)風(fēng)險(xiǎn)管理能力。3.中國人民銀行最近發(fā)布的政策鼓勵(lì)銀行推動(dòng)綠色金融發(fā)展。4.銀行在數(shù)字化轉(zhuǎn)型的過程中，應(yīng)注重客戶體驗(yàn)的提升。5.區(qū)塊鏈技術(shù)在供應(yīng)鏈金融中的應(yīng)用有助于提高資金透明度。五、寫作（共1題，10分）directions:Writeashortessay(about150words)onthetopic:"TheRoleofFintechinModernBanking."答案及解析一、選詞填空1.B(innovation)–Digitaltransformationrequiresinnovation.2.A(focusing)–Theteamisconcentratingontheproject.3.C(bridge)–Thepolicyaimstoclosethegap.4.A(decrease)–Thebankaimstolowercarbonemissions.5.A(revise)–Thebankupdateditsstrategiesduetoregulations.6.A(emergence)–Fintechstartupsareappearingrapidly.7.A(convenient)–Customerswanteasypaymentsolutions.8.A(implementation)–AIisbeingusedincreditassessment.9.C(commercial)–ThebranchtargetscommercialclientsinZhenhai.10.A(adoption)–Blockchainisbeingusedinsupplychainfinance.二、閱讀理解1.B–Digitaltransformationismentionedasthekeychange.2.B–TheZhenhaibranchintroducedacashlesssystem.3.B–Cybersecurityrisksandlackofpersonalizationarechallenges.4.B–Thecentralbankencouragesdataprivacyandinteroperability.5.B–Thepassagesuggestsgrowthwithbettertechnologyandpolicies.三、完形填空6.B(digital)–Digitaltechnologyisthecontext.7.C(challenges)–Adaptationtonewchallengesisneeded.8.A(simplified)–Bigdatahasmadeprocesseseasier.9.A(introduced)–Incentiveswereintroducedbythegovernment.10.A(serious)–Cybersecurityisaseriouschallenge.11.A(protective)–Banksneedprotectivesystems.12.B(improved)–AIimprovedefficiency.13.B(adaptto)–Banksmustadapttotrends.14.A(customize)–Customizationtolocalneedsiskey.四、翻譯1.TheeconomicdevelopmentinZhenhai,Ningbo,providesbankswithbroadmarketopportunities.2.Withtherapidadvancementoffintech,banksneedtostrengthenriskmanagementcapabilities.3.TherecentpolicyissuedbythePeople’sBankofChinaencouragesbankstopromotegreenfinancedevelopment.4.Duringthedigitaltransformationprocess,banksshouldfocusonenhancingcustomerexperience.5.Theapplicationofblockchaintechnologyinsupplychainfinancehelpsimprovefundtransparency.五、寫作范文TheRoleofFintechinModernBankingFintechhasrevolutionizedthebankingindustrybyintroducinginnova