興業(yè)銀行西安市長安區(qū)2025秋招筆試英語題專練及答案第一部分：閱讀理解（共5題，每題2分，共10分）Instructions:Readthepassagesbelowandchoosethebestanswer(A,B,C,orD)foreachquestionbasedontheinformationprovided.Passage1(2分/題×2題)Title:TheRiseofGreenFinanceinXi'anXi'an,akeycityinShaanxiProvince,hasbeenactivelypromotinggreenfinanceaspartofitssustainabledevelopmentstrategy.Inrecentyears,thelocalgovernmenthasintroducedpoliciestoencouragebankstoinvestinrenewableenergyprojects,suchassolarandwindfarms.TheIndustrialandCommercialBankofChina(ICBC)andChinaConstructionBank(CCB)havealreadycommittedsignificantfundstotheseinitiatives.Greenfinancenotonlyhelpsreducecarbonemissionsbutalsocreatesjobopportunitiesintheregion.Forinstance,theconstructionofalarge-scalesolarpowerplantintheLongquanDistricthasgeneratedover1,000temporaryjobs.TheShaanxiProvincialPeople'sGovernmentplanstoexpandsuchprojectsfurther,aimingtomakeXi'analeaderingreenenergyby2030.Questions:1.Whatisthemainfocusofthelocalgovernment'sgreenfinancestrategyinXi'an?A.Increasingindustrialoutput.B.Promotingrenewableenergyprojects.C.Reducingurbanpopulationgrowth.D.Strengtheninginternationaltrade.2.Howhasthedevelopmentofthesolarpowerplantbenefitedthelocaleconomy?A.Ithasreducedgovernmentspending.B.Ithascreatedjobopportunities.C.Ithasincreasedpropertytaxes.D.Ithasledtohigherenergycosts.Passage2(2分/題×3題)Title:TheFutureofSmartBankinginChinaWiththerapiddevelopmentoftechnology,traditionalbanksinChinaareadaptingtotheeraofdigitalfinance.Manyinstitutions,includingtheBankofChinaandAgriculturalBankofChina,havelaunchedmobilebankingappsthatoffer24/7services.Theseappsallowcustomerstotransfermoney,paybills,andevenapplyforloanswithjustafewtapsontheirsmartphones.However,challengesremain.Cybersecuritythreats,suchasdatabreaches,posesignificantriskstofinancialinstitutions.ThePeople'sBankofChinahasthereforestrengthenedregulationstoprotectcustomerinformation.Atthesametime,banksareinvestinginartificialintelligence(AI)toimproveserviceefficiency.Forexample,AI-poweredchatbotscanhandleroutineinquiries,freeinguphumanstafftofocusonmorecomplextasks.Questions:1.WhathasenabledtraditionalbanksinChinatomodernizetheirservices?A.Increasedgovernmentsubsidies.B.Technologicaladvancements.C.Higherinterestrates.D.Reducedcompetition.2.Whatisamajorconcernforbanksinthedigitalfinanceera?A.Decreasedcustomertrust.B.Cybersecuritythreats.C.Lowerprofitmargins.D.Fewerbranches.3.HowdoAI-poweredchatbotsbenefitbanks?A.Theyreducetheneedforphysicalbranches.B.Theyhandleroutineinquiriesefficiently.C.Theyincreaseloanapprovalrates.D.Theyimprovecashhandlingsystems.第二部分：完形填空（共10題，每題1分，共10分）Instructions:Completethepassagebelowbychoosingthebestword(A,B,C,orD)foreachblank.TheImportanceofFinancialLiteracyFinancialliteracyistheabilitytounderstandandusefinancialskillstomanageone'sresourceseffectively.Intoday'scomplexeconomicenvironment,itismoreimportantthaneverforindividualstobefinanciallyliterate.Withoutproperknowledge,peoplemaystrugglewithdebt,makepoorinvestmentdecisions,orfallvictimtoscams.Forexample,manyyoungpeopleinChinalackbasicfinancialknowledge.Theymayusecreditcardswithoutfullyunderstandingtheinterestratesorsignupforhigh-interestloansthattheycannotafford.Banksandfinancialinstitutionshavearesponsibilitytoeducatetheircustomers.Theycanofferworkshops,onlinecourses,andfreeadvicetohelppeopleimprovetheirfinancialliteracy.Financialliteracyalsobenefitssocietyasawhole.Whenpeoplemakeinformedfinancialdecisions,theycontributetoeconomicstability.Governmentscansupportfinancialeducationbyworkingwithschoolsandcommunityorganizations.Bypromotingfinancialliteracy,wecancreateamoreprosperousandequitablefuture.Questions:1.Whatisthemaintopicofthepassage?A.Thebenefitsofcreditcards.B.Theimportanceoffinancialliteracy.C.Theroleofbanksineducation.D.Thechallengesofdebtmanagement.2.Whyisfinancialliteracyimportantintoday'seconomy?A.Ithelpspeopleavoidscams.B.Itincreasesgovernmentrevenue.C.Itreducestheneedforloans.D.Itimprovesjobsatisfaction.3.Whatproblemdomanyyoungpeoplefaceregardingfinances?A.Theyearntoomuchmoney.B.Theylackfinancialknowledge.C.Theyprefertosaveratherthanspend.D.Theyhavetoomanysavingsaccounts.4.Howcanbankshelpimprovefinancialliteracy?A.Byincreasinginterestrates.B.Byofferingfreecredit.C.Byconductingworkshopsandcourses.D.Byexpandingtheirbranches.5.Whatisapositiveoutcomeoffinancialliteracyforsociety?A.Higherinflationrates.B.Economicinstability.C.Economicstability.D.Reducedjobopportunities.6.Whatresponsibilitydogovernmentshaveinpromotingfinancialliteracy?A.Tosethighinterestrates.B.Toregulatecreditcarduse.C.Toworkwithschoolsandcommunities.D.Toprovidefreeloans.7.Whatdoesthepassagesuggestaboutfinancialeducation?A.Itisonlyforwealthypeople.B.Itisunnecessaryinmoderntimes.C.Itisessentialforpersonalandsocietalwell-being.D.Itshouldbelimitedtobanks.8.Howcanfinancialliteracyhelpindividuals?A.Itreducestheirincometax.B.Itimprovestheirdecision-making.C.Itmakesthemmoredependentonloans.D.Itdecreasestheirsavings.9.Whatdoesthepassageimplyaboutcreditcarduse?A.Itshouldbeavoidedentirely.B.Itisonlyforfinancialexperts.C.Itrequiresproperunderstanding.D.Itisbetterthanusingcash.10.Whatistheauthor'soverallmessage?A.Financialliteracyisaburden.B.Banksshouldfocusonprofits.C.Educationiskeytofinancialsuccess.D.Loansarethebestsolutiontofinancialproblems.第三部分：詞匯題（共15題，每題1分，共15分）Instructions:Choosethebestword(A,B,C,orD)tocompleteeachsentence.1.Thenewfinancialregulationsaimto_______fraudandprotectconsumers.A.preventB.increaseC.ignoreD.promote2.Despitetheeconomic_______,thecompanymanagedtogrowitsprofits.A.crisisB.boomC.stabilityD.recession3.Thebank's_______strategyfocusesonlow-risk,long-terminvestments.A.aggressiveB.conservativeC.innovativeD.risky4.ManysmallbusinessesinXi'anstrugglewithcash_______issues.A.flowB.managementC.controlD.income5.Thecentralbank'sdecisiontoraiseinterestrateswas_______bythemarket.A.praisedB.criticizedC.ignoredD.welcomed6.Thefinancialadvisorhelpedherclientcreatea_______budgetfortheyear.A.flexibleB.strictC.unnecessaryD.unrealistic7.Thecompany'sstockprice_______sharplyaftertheearningsreportwasreleased.A.droppedB.roseC.remainedD.fluctuated8.Thegovernment's_______ongreenenergyhasledtoincreasedinvestmentinsolarpanels.A.supportB.oppositionC.indifferenceD.reluctance9.Theloanagreementhadseveral_______clausesthattheborrowerdidnotunderstand.A.hiddenB.clearC.simpleD.obvious10.Thefinancialanalystpredictedthattheeconomywould_______inthenextquarter.A.improveB.declineC.stagnateD.recover11.Thebank's_______servicesincludewealthmanagementandretirementplanning.A.primaryB.secondaryC.auxiliaryD.supplementary12.Theregulatory_______requiresallfinancialinstitutionstoreporttheirtransactionsannually.A.frameworkB.guidelineC.policyD.rule13.Thecompany'sfinancial_______improvedsignificantlyaftertheyimplementedcost-cuttingmeasures.A.healthB.conditionC.stabilityD.performance14.Theinvestorwas_______aboutthehigh-risknatureofthecryptocurrencymarket.A.cautiousB.optimisticC.indifferentD.confident15.Thefinancial_______helpedthefamilymanagetheirsavingsandinvestmentseffectively.A.consultantB.plannerC.analystD.advisor第四部分：翻譯題（共5題，每題2分，共10分）Instructions:TranslatethefollowingsentencesintoEnglish.1.興業(yè)銀行在西安市長安區(qū)設(shè)有分行，為當(dāng)?shù)鼐用裉峁┤娴慕鹑诜?wù)。2.西安市政府計(jì)劃在未來五年內(nèi)大幅提高可再生能源的占比。3.隨著數(shù)字技術(shù)的普及，越來越多的銀行開始采用自動化流程來提高效率。4.中國人民銀行最近出臺了一系列新規(guī)定，旨在加強(qiáng)金融監(jiān)管。5.金融知識普及對促進(jìn)社會公平和經(jīng)濟(jì)發(fā)展至關(guān)重要。第五部分：寫作題（共1題，10分）Instructions:Writeashortessay(about150words)onthetopic:"TheRoleofBanksinPromotingFinancialInclusioninRuralAreas."Includethefollowingpointsinyouressay:-Theimportanceoffinancialinclusioninruralareas.-Challengesfacedbyruralresidentsinaccessingfinancialservices.-Howbankscanhelpbridgethegap.答案及解析第一部分：閱讀理解Passage11.B解析：文章第一段明確提到西安市政府積極推動綠色金融，鼓勵(lì)銀行投資可再生能源項(xiàng)目，因此B項(xiàng)最符合文意。2.B解析：文章第二段提到太陽能電站的建設(shè)創(chuàng)造了1000多個(gè)臨時(shí)工作崗位，因此B項(xiàng)正確。Passage21.B解析：文章第一段指出，傳統(tǒng)銀行通過數(shù)字化技術(shù)（如移動銀行APP）實(shí)現(xiàn)現(xiàn)代化，因此B項(xiàng)正確。2.B解析：文章第二段提到網(wǎng)絡(luò)安全威脅（如數(shù)據(jù)泄露）是銀行面臨的重大挑戰(zhàn)，因此B項(xiàng)正確。3.B解析：文章第三段提到AI聊天機(jī)器人可以高效處理常規(guī)查詢，減輕人工負(fù)擔(dān)，因此B項(xiàng)正確。第二部分：完形填空1.B解析：全文圍繞“金融素養(yǎng)的重要性”展開，故B項(xiàng)最符合主題。2.A解析：文章提到缺乏金融知識會導(dǎo)致人們陷入騙局，因此A項(xiàng)正確。3.B解析：第二段指出許多年輕人缺乏金融知識，導(dǎo)致使用信用卡時(shí)出現(xiàn)問題，故B項(xiàng)正確。4.C解析：第三段提到銀行可以通過舉辦研討會和在線課程來提高金融素養(yǎng)，因此C項(xiàng)正確。5.C解析：最后一段提到金融素養(yǎng)有助于社會經(jīng)濟(jì)的穩(wěn)定，因此C項(xiàng)正確。6.C解析：文章建議政府與學(xué)校和社區(qū)合作推廣金融教育，故C項(xiàng)正確。7.C解析：全文強(qiáng)調(diào)金融教育對個(gè)人和社會的重要性，因此C項(xiàng)正確。8.B解析：金融素養(yǎng)有助于個(gè)人做出明智的財(cái)務(wù)決策，故B項(xiàng)正確。9.C解析：文章提到使用信用卡需要充分理解其利率等條款，故C項(xiàng)正確。10.C解析：作者強(qiáng)調(diào)教育是財(cái)務(wù)成功的關(guān)鍵，故C項(xiàng)正確。第三部分：詞匯題1.A解析：prevent（防止）符合語境，防止欺詐。2.D解析：recession（經(jīng)濟(jì)衰退）與“公司利潤增長”形成對比。3.B解析：conservative（保守的）策略符合低風(fēng)險(xiǎn)、長期投資的描述。4.A解析：cashflow（現(xiàn)金流）是商業(yè)術(shù)語，指資金流動情況。5.D解析：welcome（歡迎）符合市場對加息的反應(yīng)。6.A解析：flexible（靈活的）預(yù)算可以調(diào)整，更實(shí)用。7.A解析：drop（下降）符合股價(jià)下跌的語境。8.A解析：support（支持）政策推動了太陽能投資。9.A解析：hidden（隱藏的）條款指不顯眼的條款。10.B解析：decline（下降）符合經(jīng)濟(jì)預(yù)測。11.A解析：primary（主要的）服務(wù)是銀行的核心業(yè)務(wù)。12.A解析：framework（框架）指監(jiān)管體系。13.B解析：condition（狀況）改善符合文意。14.A解析：cautious（謹(jǐn)慎的）符合對高風(fēng)險(xiǎn)市場的態(tài)度。15.D解析：advisor（顧問）幫助管理財(cái)務(wù)。第四部分：翻譯題1.IndustrialandCommercialBankofChina(ICBC)hassetupabranchinChang'anDistrict,Xi'an,providingcomprehensivefinancialservicesforlocalresidents.2.TheXi'anMunicipalGovernmentplanstosignificantlyincreasetheproportionofrenewableenergyinthenextfiveyears.3.Withthewidespreadadoptionofdigitaltechnology,morebanksareadoptingautomatedprocessestoimproveefficiency.4.ThePeople'sBankofChinahasrecentlyintroducedaseriesofnewregulationsaimedatstrengtheningfinancialsupervision.5.Financialliteracyiscrucialforpromotingsocialequityandeconomicdevelopment.第五部分：寫作題（范文參考）TheRoleofBanksinPromotingFinancialInclusioninRuralAreasFinancialinclusionreferstotheprovisionoffinancialservicestoallsegmentsofsociety,especiallythoseinruralareas.Theseareasoftenlackaccesstobankingservices,leadingtoeconomicdisparities.Banksplayavitalroleinbridgingthisgapbyexpandingtheirreachintorural