招商銀行南昌市東湖區(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，共10分）題目：閱讀以下段落，從每題所給的選項(xiàng)中選出最合適的單詞填入空格，使句子意思完整、語法正確。1.Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringfinancialinstitutionstoadapttonewtechnologies.A.revolutionizedB.standardizedC.complicatedD.automated2.Duetothestrictregulatorypolicies,manysmallbanksinJiangxiarefindingit______toexpandtheirbusinessoperations.A.feasibleB.challengingC.profitableD.convenient3.Ourteamisworkingonaprojectto______cross-borderpaymentefficiency,whichiscrucialfortheBeltandRoadInitiative.A.optimizeB.disruptC.evaluateD.delay4.Thenewmobilebankingappaimsto______customerexperiencebyintegratingAI-drivenpersonalizedservices.A.enhanceB.degradeC.ignoreD.neglect5.Inthecontextofgreenfinance,banksinNanchangareencouragedto______investmentsinrenewableenergysectors.A.prioritizeB.discourageC.postponeD.eliminate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:ThebankingsectorinNanchanghasbeenundergoingsignificanttransformationsduetotechnologicaladvancementsandregulatorychanges.Fintechcompaniesareincreasinglycollaboratingwithtraditionalbankstoleveragebigdataandblockchaintechnologies.Forinstance,theChinaMerchantsBank(CMBC)haspartneredwithalocalfintechstartupinJiangxitolaunchadigital-onlybankingservice,aimingtocapturetheyoungerdemographic.Meanwhile,thePeople’sBankofChinahasintroducedstrictercapitalrequirements,forcingsmallerbankstoimprovetheirriskmanagementsystems.Asaresult,manybanksintheregionareinvestingheavilyincybersecuritytoprotectcustomerdata.TheJiangxiProvincialGovernmenthasalsolaunchedincentivestopromotegreenbanking,encouraginginstitutionstoallocatemorefundstoeco-friendlyprojects.1.WhatisthemainfocusofthecollaborationbetweenCMBCandthefintechstartup?A.TraditionalbankingservicesB.DigitalbankingforyoungcustomersC.RiskmanagementD.Greenfinanceinitiatives2.WhyaresmallerbanksinJiangxifacingpressuretoimprovetheirriskmanagement?A.DuetoreducedgovernmentsubsidiesB.BecauseofstricterregulatoryrequirementsC.BecauseofincreasedcompetitionfromfintechfirmsD.Duetoeconomicdownturns3.HowistheJiangxiProvincialGovernmentsupportinggreenbanking?A.ByimposinghighertaxesonbanksB.Byofferingfinancialincentivesforeco-friendlyprojectsC.BybanninginvestmentsinrenewableenergyD.Byreducinginterestratesforgreenloans4.WhattechnologicaladvancementsarebanksinNanchangadopting?A.OnlyblockchaintechnologyB.OnlybigdataanalyticsC.BothbigdataandblockchainD.Traditionalbankingsoftware三、句子改錯(cuò)（共5題，每題2分，共10分）題目：以下句子存在語法或邏輯錯(cuò)誤，請指出并改正。1."Thenewpolicywilleffectivefromnextmonth,whichaimstoreducefraudindigitaltransactions."-Error:______-Correction:______2."ManylocalbanksinJiangxihavebeenstrugglingwithhighnon-performingloanratiosbecausetheeconomyisslow."-Error:______-Correction:______3."ThecentralbankofChinahasintroducednewguidelinestoencouragebankstoinvestmoreingreenprojects,eventhoughitiscostly."-Error:______-Correction:______4."Fintechcompaniesaremoreinnovativethantraditionalbanks,sotheyshouldtakeovertheentirefinancialindustry."-Error:______-Correction:______5."ThedigitalbankingappdevelopedbyICBCaimstoimprovecustomersatisfaction,butithasmanybugsthatneedfixing."-Error:______-Correction:______四、完形填空（共5題，每題2分，共10分）題目：閱讀以下段落，從每題所給的選項(xiàng)中選出最合適的單詞填入空格。ThebankingindustryinNanchangisata______stage,wheredigitaltransformationandregulatorycompliancearekeychallenges.TraditionalbanksliketheBankofChinaareinvestinginAIto______customerservice,whilesmallerinstitutionsarefocusingonnichemarkets.TheJiangxiProvincialGovernmenthas______policiestosupportbanksinadoptingsustainablepractices,whichis______fortheregion’seconomicgrowth.However,therapidriseoffintechhasalso______bankstorethinktheirbusinessmodels.Withoutproperinnovation,manytraditionalbanksmay______theircompetitiveedgeinthelongrun.1.A.criticalB.stableC.stagnantD.uncertain2.A.enhanceB.degradeC.ignoreD.neglect3.A.introducedB.removedC.relaxedD.tightened4.A.essentialB.unnecessaryC.optionalD.irrelevant5.A.forcedB.encouragedC.allowedD.discouraged五、翻譯填空（共5題，每題2分，共10分）題目：將以下中文句子翻譯成英文，并填入空格。1.隨著金融科技的快速發(fā)展，招商銀行南昌分行正積極調(diào)整業(yè)務(wù)策略以適應(yīng)市場變化。__________________________________________.2.為了降低不良貸款率，江西省多家銀行推出了新的信貸審查標(biāo)準(zhǔn)。________________________________________________.3.中國人民銀行鼓勵(lì)銀行加大對綠色金融領(lǐng)域的投資力度。__________________________________________.4.江西省的中小銀行正面臨來自大型銀行和金融科技公司的雙重競爭壓力。______________________________________________________.5.數(shù)字化轉(zhuǎn)型是南昌銀行業(yè)未來發(fā)展的關(guān)鍵方向。________________________________________________.答案與解析一、選詞填空1.A.revolutionized-解析：fintech（金融科技）對傳統(tǒng)銀行模式產(chǎn)生了顛覆性影響，用“revolutionized”（顛覆）最合適。2.B.challenging-解析：監(jiān)管政策嚴(yán)格導(dǎo)致擴(kuò)張困難，用“challenging”（具有挑戰(zhàn)性的）符合語境。3.A.optimize-解析：提高跨境支付效率，用“optimize”（優(yōu)化）最準(zhǔn)確。4.A.enhance-解析：AI服務(wù)提升客戶體驗(yàn)，用“enhance”（提升）符合語義。5.A.prioritize-解析：綠色金融鼓勵(lì)優(yōu)先投資可再生能源，用“prioritize”（優(yōu)先考慮）最合適。二、閱讀理解1.B.Digitalbankingforyoungcustomers-解析：文章提到CMBC與fintech合作推出“digital-onlybankingservice”（純數(shù)字銀行服務(wù)），目標(biāo)為年輕客戶。2.B.Becauseofstricterregulatoryrequirements-解析：文章明確指出央行“introducedstrictercapitalrequirements”（引入更嚴(yán)格的資本要求），迫使銀行改善風(fēng)險(xiǎn)管理。3.B.Byofferingfinancialincentivesforeco-friendlyprojects-解析：文章提到省政府“l(fā)aunchedincentivestopromotegreenbanking”（推出激勵(lì)政策促進(jìn)綠色金融），鼓勵(lì)銀行投資環(huán)保項(xiàng)目。4.C.Bothbigdataandblockchain-解析：文章提及銀行采用“bigdataandblockchaintechnologies”（大數(shù)據(jù)和區(qū)塊鏈技術(shù)）。三、句子改錯(cuò)1.-Error:"effective"→"effective"shouldbe"effective"butneedscapitalization.-Correction:"Thenewpolicywilltakeeffectfromnextmonth,whichaimstoreducefraudindigitaltransactions."2.-Error:"theeconomyisslow"→Thisisarun-onsentence.-Correction:"ManylocalbanksinJiangxihavebeenstrugglingwithhighnon-performingloanratiosbecausetheeconomyisslowingdown."3.-Error:"eventhoughitiscostly"→"it"lacksaclearreferent.-Correction:"ThecentralbankofChinahasintroducednewguidelinestoencouragebankstoinvestmoreingreenprojects,eventhoughtheseinvestmentsarecostly."4.-Error:"takeovertheentirefinancialindustry"→Thisisoverlyabsolute.-Correction:"Fintechcompaniesaremoreinnovativethantraditionalbanks,sotheyshouldbeallowedtoplayalargerroleinthefinancialindustry."5.-Error:"ithasmanybugs"→"it"shouldspecifytheapp.-Correction:"ThedigitalbankingappdevelopedbyICBCaimstoimprovecustomersatisfaction,butithasmanybugsthatneedfixing."四、完形填空1.A.critical-解析：行業(yè)處于關(guān)鍵階段，用“critical”（關(guān)鍵的）最合適。2.A.enhance-解析：AI提升客戶服務(wù)，用“enhance”（提升）符合語義。3.A.introduced-解析：政府推出政策，用“introduced”（推出）最準(zhǔn)確。4.A.essential-解析：綠色發(fā)展至關(guān)重要，用“essential”（必要的）符合語境。5.A.forced-解析：競爭迫使銀行創(chuàng)新，用“forced”（迫使）最合適。五、翻譯填空1."Withther