浦發(fā)銀行滄州市新華區(qū)2025秋招筆試英語題專練及答案一、詞匯選擇（共10題，每題1分）說明：每題括號(hào)內(nèi)四個(gè)選項(xiàng)中有一個(gè)與句子語境最匹配，請(qǐng)選出正確選項(xiàng)。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialindustry.A.revolutionizedB.stabilizedC.regulatedD.simplified2.Asaregionalbank,CCBneedsto______localeconomicneedsmoreeffectively.A.neglectB.ignoreC.addressD.exaggerate3.Thenewcompliancepolicyrequiresbankstoenhance______ofanti-moneylaunderingmeasures.A.flexibilityB.transparencyC.complexityD.efficiency4.滄州市政府計(jì)劃通過金融科技項(xiàng)目______中小企業(yè)融資難題。A.highlightB.solveC.delayD.overlook5.Thebank'smobileappaimsto______userexperiencethroughAI-drivenservices.A.degradeB.optimizeC.minimizeD.postpone6.Duetostrictregulatory______,manysmallbankshavereducedlendingtostartups.A.restrictionsB.incentivesC.allowancesD.promotions7.Thebranchmanageremphasizedtheimportanceof______customersatisfactionincompetitivemarkets.A.compromisingB.prioritizingC.compromisingD.tolerating8.Thefintechstartupplansto______blockchaintechnologytoimprovetransactionsecurity.A.adoptB.abandonC.adaptD.adopt9.Theeconomicdownturnhas______creditriskmanagementatbanks.A.intensifiedB.relaxedC.simplifiedD.centralized10.Thebank’swealthmanagementdivisionislookingto______youngerclientsthroughpersonalizedservices.A.attractB.repelC.retainD.exclude二、閱讀理解（共5題，每題2分）說明：閱讀以下短文，然后根據(jù)問題選擇最佳答案。Passage1ThebankingsectorinChinahasbeenundergoingsignificanttransformationinrecentyears.Withtheriseoffintech,traditionalbankslike浦發(fā)銀行(SPDBank)areforcedtoinnovatetostaycompetitive.The滄州市branch,inparticular,hasbeenfocusingondigitalizingitsservicestobetterservelocalbusinesses.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC),digitalbankingadoptionhasincreasedby35%nationwide,withregionalbanksleadingthetrend.However,challengesremain,suchascybersecurityrisksandtheneedforskilledtechtalent.1.Whatisthemainfocusofthe滄州市branchofSPDBank?A.ExpandingphysicalbranchesB.DigitalizingservicesC.IncreasingloanapprovalsD.Focusingonwealthmanagement2.Accordingtothepassage,whatisachallengefortraditionalbanks?A.LowcustomersatisfactionB.CybersecurityrisksC.ExcessiveregulationsD.HighprofitmarginsPassage2TheChinesegovernmenthasintroducednewpoliciestosupportsmallandmedium-sizedenterprises(SMEs)in滄州市.Thesepoliciesincludelowerinterestrates,taxbreaks,andeasieraccesstocredit.Thegoalistoreducethegapbetweenlargebanksandsmalllenders.A2023studybythePeople’sBankofChina(PBOC)foundthatSMEsin滄州市accountfor60%oftotalemploymentbutonly30%ofbankloans.Thenewmeasuresaimtochangethisimbalance.However,expertswarnthateffectiveimplementationrequiresstrongcoordinationbetweenbanksandlocalgovernments.3.WhatistheprimarypurposeofthenewpoliciesforSMEs?A.ToincreasebankprofitsB.ToreduceunemploymentC.TobalancelendingbetweenlargeandsmallbanksD.Toencourageforeigninvestment4.Accordingtothestudy,whatissuedoSMEsfacein滄州市?A.HighcompetitionB.LimitedaccesstocreditC.ExcessivegovernmentoversightD.LowprofitabilityPassage3浦發(fā)銀行的mobilebankingapphasintroducedseveralfeaturestoimprovecustomerexperience.Theseincludefacialrecognitionlogin,real-timebalancechecks,andAI-poweredfinancialadvice.A2024surveyshowedthat75%ofusersratedtheappas“excellent,”upfrom60%in2023.However,thebankstillfacescriticismforslowcustomerserviceduringpeakhours.Theapp’ssuccesshighlightsthegrowingimportanceofdigitalbankinginChina.Asmorepeoplerelyonmobileappsforfinancialtransactions,banksmustcontinuetoinnovatetomeetcustomerexpectations.5.Whatfeatureofthe浦發(fā)銀行apphasimprovedcustomersatisfaction?A.IncreasedfeesB.AI-drivenfinancialadviceC.MorephysicalbranchesD.Longerbusinesshours三、語法填空（共10題，每題1分）說明：每題空白處需填入一個(gè)單詞，使句子完整且語法正確。6.Despitetheeconomicchallenges,thebankremains______committedtoexpandingitspresencein滄州市.(填入副詞)7.Thenewbranchin新華區(qū)isexpectedto______1,000jobsannually.(填入動(dòng)詞原形)8.Ifthecreditpolicy______morelenient,morestartupsmightqualifyforloans.(填入過去分詞)9.ThefintechsectorinChinahasgrown______rapidlyoverthepastdecade.(填入副詞比較級(jí))10.Customersshould______theiraccountsregularlytodetectanyunauthorizedtransactions.(填入動(dòng)詞原形)11.Thebank’scompliancedepartmentensuresthatalloperations______inlinewithregulations.(填入動(dòng)詞原形)12.Manyregionalbanksstruggletoattract______techtalentduetohighcompetition.(填入形容詞比較級(jí))13.TheCEOemphasizedtheimportanceof______customerfeedbacktoimproveservices.(填入動(dòng)詞原形)14.Theloanapplicationprocesshasbeen______tomakeitmoreuser-friendly.(填入過去分詞)15.Thebank’ssustainabilitygoalsincludereducingitscarbonfootprintby______50%by2030.(填入介詞)四、完形填空（共10題，每題1分）說明：閱讀以下短文，根據(jù)上下文選擇最佳答案。Theriseofdigitalbankinghas______(16)thewaypeoplemanagetheirfinances.Unliketraditionalbanks,onlinebanks______(17)nophysicalbranches,allowingcustomerstoaccessservicesanytime,anywhere.This______(18)hasbeenparticularlybeneficialforremoteareasin滄州市,wherebankbranchesarescarce.However,digitalbanksalsofacechallenges,suchasensuringdatasecurityandbuildingcustomertrust.Despitetheseissues,thetrendislikelyto______(19)inthecomingyears.Forbanksthatstillrelyonphysicalbranches,thekeyisto______(20)theirservicestomeetdigitalexpectations.Thisincludesofferingmobilebankingappswithadvancedfeaturesandpersonalizedrecommendations.Bydoingso,theycan______(21)fromthegrowingdemandfordigitalbankingsolutions.Anotherimportantaspectistheneedforskilledemployees.ThebankingsectorinChinais______(22)fortechprofessionalswhocandevelopandmaintaindigitalplatforms.Withoutthem,banksmaystruggletokeepupwiththecompetition.Inconclusion,thedigitalbankingrevolutionis______(23)reshapingthefinancialindustry.Thosewhoadaptwillthrive,whilethosewhoresistmaybeleftbehind.16.A.transformedB.ignoredC.supportedD.criticized17.A.provideB.lackC.openD.expand18.A.developmentB.innovationC.convenienceD.challenge19.A.continueB.declineC.disappearD.stabilize20.A.modernizeB.ignoreC.reduceD.maintain21.A.loseB.benefitC.struggleD.fail22.A.competingB.hiringC.searchingD.failing23.A.quicklyB.slowlyC.reluctantlyD.partially五、翻譯填空（共5題，每題2分）說明：將中文句子翻譯成英文，填入空白處。24.浦發(fā)銀行通過大數(shù)據(jù)分析優(yōu)化了貸款審批流程。Thebank______itsloanapprovalprocessthroughbigdataanalysis.25.滄州市的金融科技園區(qū)吸引了眾多初創(chuàng)企業(yè)入駐。ThefintechparkinCangzhou______numerousstartups.26.銀行需要加強(qiáng)內(nèi)部控制以防范金融風(fēng)險(xiǎn)。Banksneedto______internalcontrolstopreventfinancialrisks.27.客戶滿意度是衡量銀行服務(wù)質(zhì)量的重要指標(biāo)。Customersatisfactionis______metricformeasuringbankingservicequality.28.中國的綠色金融政策鼓勵(lì)企業(yè)投資環(huán)保項(xiàng)目。China’sgreenfinancepolicies______companiestoinvestineco-friendlyprojects.答案及解析一、詞匯選擇1.A(revolutionized:使……發(fā)生革命性變化，符合金融科技對(duì)傳統(tǒng)行業(yè)的沖擊)2.C(address:解決，符合銀行應(yīng)對(duì)地域性需求)3.B(transparency:透明度，合規(guī)要求強(qiáng)調(diào)反洗錢措施的公開性)4.B(solve:解決，符合政府目標(biāo))5.B(optimize:優(yōu)化，符合科技提升用戶體驗(yàn))6.A(restrictions:限制，符合監(jiān)管對(duì)銀行貸款的約束)7.B(prioritizing:優(yōu)先考慮，符合競(jìng)爭(zhēng)激烈的市場(chǎng)策略)8.A(adopt:采用，符合科技應(yīng)用)9.A(intensified:加劇，符合經(jīng)濟(jì)下行導(dǎo)致信用風(fēng)險(xiǎn)增加)10.A(attract:吸引，符合銀行目標(biāo)客戶群體)二、閱讀理解1.B(Digitalizingservices:數(shù)字化服務(wù)，文中明確提到滄州市分行聚焦此方向)2.B(Cybersecurityrisks:網(wǎng)絡(luò)安全風(fēng)險(xiǎn)，文中提到傳統(tǒng)銀行的挑戰(zhàn))3.C(Balancelendingbetweenlargeandsmallbanks:平