浦發(fā)銀行濟(jì)南市市中區(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）directions:Choosethebestwordtofillineachblank.1.Thenewfinancialregulationswill______thebankingsectorbyincreasingtransparencyandreducingrisks.A.enhanceB.disruptC.stabilizeD.expand2.Despiteeconomicdownturns,thetechindustryinShandonghasshownremarkable______ininnovationandgrowth.A.resilienceB.stagnationC.deteriorationD.fragmentation3.Thebank’sdigitaltransformationstrategyaimsto______customerengagementthroughpersonalizedservicesandAI-drivensolutions.A.marginalizeB.optimizeC.undermineD.automate4.ThemergerbetweentwomajorlocalbanksinJinanisexpectedto______marketcompetitionandserviceefficiency.A.intensifyB.diluteC.consolidateD.weaken5.Theregulatorycommitteeemphasizedtheimportanceof______anti-moneylaunderingmeasurestoprotectthefinancialsystem.A.mitigatingB.exaggeratingC.neglectingD.amplifying二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagebelowandanswerthequestionsthatfollow.Passage:TherapiddevelopmentoffintechhasreshapedthebankinglandscapeinChina.Traditionalfinancialinstitutionslike浦發(fā)銀行(SPDBank)areintegratingcutting-edgetechnologiessuchasblockchain,AI,andbigdataanalyticstoimproveoperationalefficiencyandcustomerexperience.InShandongProvince,thebankhaslaunchedseveraldigitalinitiatives,includingmobilebankingappswithadvancedsecurityfeaturesandautomatedtellermachines(ATMs)equippedwithfacialrecognition.Theseinnovationshavenotonlyreducedtransactiontimesbutalsoenhancedsecurity,particularlyinurbanareaslikeJinan.However,challengesremain,suchasensuringdataprivacyandaddressingthedigitaldivideinruralregions.Thecentralbankhasrecommendedthatbanksadoptabalancedapproach,combiningtechnologicaladvancementswithtraditionalbankingvaluestomaintaintrustandstability.1.Whatistheprimaryfocusoffintechinthebankingsector?A.ReducingcostsB.EnhancingtechnologyintegrationC.ExpandingphysicalbranchesD.Increasinginterestrates2.Accordingtothepassage,howhasSPDBankadaptedtofintechtrendsinShandong?A.ByfocusingsolelyonruralareasB.BylaunchingdigitalbankingsolutionsC.ByreducingATMusageD.Byincreasingtraditionalbankingservices3.WhatchallengedoesthepassagehighlightregardingfintechadoptioninChina?A.HighcostsoftechnologyimplementationB.LimitedgovernmentsupportC.DigitaldivideinruralareasD.Insufficientcustomertrust4.Whatrecommendationdoesthecentralbankprovideforbanks?A.PrioritizetechnologicalinnovationovertraditionalvaluesB.FocusexclusivelyonurbanmarketsC.BalancedigitaladvancementswithtraditionalbankingpracticesD.Eliminatephysicalbankingservices三、完形填空（共5題，每題2分，共10分）directions:Completethepassagewiththemostsuitablewordsfromthelistbelow.|1.innovation|2.regulations|3.efficiency|4.competition|5.customers||--||--||-|ThebankingsectorinJinanhasundergonesignificantchangesinrecentyears.Theriseofdigitalbankinghasforcedtraditionalinstitutionslike浦發(fā)銀行to______(1)tostaycompetitive.Thesechangeshavebeendrivenbystricter______(2)fromthegovernment,whichaimtoensurefinancialstabilityandprotectconsumers.Asaresult,bankshavefocusedonimproving______(3)andservicequalitytoretaintheir______(4).Whilesomecustomershaveembracedthesechanges,othersremainskepticalabouttheimpactoftechnologyonthebankingexperience.四、句子改錯(cuò)（共4題，每題2分，共8分）directions:Identifyandcorrecttheerrorsinthefollowingsentences.1.Thenewcreditscoringsystemwillimprovethebank’sabilitytoassessriskmoreeffectively.→(Noerror)2.Despiteoftheeconomicchallenges,thebank’sprofitabilityhasincreasedsignificantly.→Despitetheeconomicchallenges,thebank’sprofitabilityhasincreasedsignificantly.3.BoththeCEOandtheCFOareagreethatdigitaltransformationisessentialforfuturegrowth.→BoththeCEOandtheCFOagreethatdigitaltransformationisessentialforfuturegrowth.4.Ifthemergerissuccessful,itwillreducethenumberofbranchesinthecitybyhalf.→(Noerror)五、翻譯填空（共5題，每題2分，共10分）directions:TranslatetheChinesephrasesintoEnglish.1.風(fēng)險(xiǎn)控制→Riskmanagement2.客戶滿意度→Customersatisfaction3.普惠金融→Inclusivefinance4.綠色信貸→Greencredit5.數(shù)字化轉(zhuǎn)型→Digitaltransformation答案與解析一、選詞填空1.A.enhance解析：Thenewfinancialregulationswillenhancethebankingsectorbyincreasingtransparencyandreducingrisks.（新金融法規(guī)將通過提高透明度和降低風(fēng)險(xiǎn)來增強(qiáng)銀行業(yè)。）2.A.resilience解析：Despiteeconomicdownturns,thetechindustryinShandonghasshownremarkableresilienceininnovationandgrowth.（盡管經(jīng)濟(jì)下行，山東的科技行業(yè)在創(chuàng)新和增長方面表現(xiàn)出顯著的韌性。）3.B.optimize解析：Thebank’sdigitaltransformationstrategyaimstooptimizecustomerengagementthroughpersonalizedservicesandAI-drivensolutions.（銀行的數(shù)字化轉(zhuǎn)型戰(zhàn)略旨在通過個(gè)性化服務(wù)和AI驅(qū)動(dòng)解決方案優(yōu)化客戶參與度。）4.C.consolidate解析：ThemergerbetweentwomajorlocalbanksinJinanisexpectedtoconsolidatemarketcompetitionandserviceefficiency.（濟(jì)南兩家主要本地銀行的合并預(yù)計(jì)將整合市場競爭和服務(wù)效率。）5.A.mitigating解析：Theregulatorycommitteeemphasizedtheimportanceofmitigatinganti-moneylaunderingmeasurestoprotectthefinancialsystem.（監(jiān)管委員會(huì)強(qiáng)調(diào)了緩解反洗錢措施以保護(hù)金融體系的重要性。）二、閱讀理解1.B.Enhancingtechnologyintegration解析：Thepassagehighlightsfintech’sroleinintegratingadvancedtechnologiesintobankingoperations.（文章強(qiáng)調(diào)金融科技在將先進(jìn)技術(shù)整合到銀行運(yùn)營中的作用。）2.B.Bylaunchingdigitalbankingsolutions解析：SPDBankhasintroducedmobileappsandATMupgradesinShandong.（浦發(fā)銀行在山東推出了移動(dòng)應(yīng)用和ATM升級。）3.C.Digitaldivideinruralareas解析：Thepassagementionschallengesinruralregionslackingdigitalinfrastructure.（文章提到農(nóng)村地區(qū)缺乏數(shù)字基礎(chǔ)設(shè)施的挑戰(zhàn)。）4.C.Balancedigitaladvancementswithtraditionalbankingpractices解析：Thecentralbankadvisesamixoftechnologyandtraditionalvalues.（央行建議技術(shù)與傳統(tǒng)價(jià)值觀相結(jié)合。）三、完形填空1.innovation2.regulations3.efficiency4.customers5.competition解析：ThebankingsectorinJinanhasundergonesignificantchangesinrecentyears.Theriseofdigitalbankinghasforcedtraditionalinstitutionslike浦發(fā)銀行toinnovatetostaycompetitive.Thesechangeshavebeendrivenbystricterregulationsfromthegovernment,whichaimtoensurefinancialstabilityandprotectconsumers.Asaresult,bankshavefocusedonimprovingefficiencyandservicequalitytoretaintheircustomers.Whilesomecustomershaveembracedthesechanges,othersremainskepticala