招商銀行嘉興市平湖市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）說明：從每題四個選項中選出一個最合適的詞填入空格，使句意完整、通順。1.Therapiddevelopmentoffintechhas______traditionalbankingoperations,requiringfinancialinstitutionstoadaptquickly.A.revolutionizedB.complicatedC.standardizedD.automated2.Inthecontextofcross-bordertrade,efficientlogistics______iscrucialforreducingcostsandimprovingcustomersatisfaction.A.managementB.negotiationC.infrastructureD.regulation3.Thenewpolicyaimsto______thegapbetweenurbanandruralbankingservicesbyincreasinginvestmentinunderdevelopedregions.A.bridgeB.widenC.closeD.ignore4.Artificialintelligenceinbankingcan______frauddetectionbyanalyzingpatternsintransactiondata.A.enhanceB.delayC.minimizeD.replace5.ToattractmoreSMEclientsintheZhejiangregion,thebankshould______itsdigitalbankingsolutionstomeetlocalbusinessneeds.A.customizeB.generalizeC.simplifyD.overlook二、閱讀理解（共4題，每題3分，共12分）說明：閱讀以下短文，根據(jù)文章內容回答問題。Passage:Theriseofdigitalbankinghastransformedthewayfinancialservicesaredelivered,especiallyinregionslikePinghu,Zhejiang,wheretraditionalbankinginfrastructureremainsunderdeveloped.Accordingtoa2024reportbythePeople’sBankofChina,78%ofSMEsinruralareasfacechallengesinaccessingbankingservicesduetogeographicalbarriers.Digitalplatforms,however,havemitigatedthisissuebyenablingremotefinancialtransactionsandreal-timesupport.Forinstance,招商銀行’smobileapphasseena35%year-on-yearincreaseinruraluserssince2023.Despitetheseadvancements,challengespersist.Cybersecurityrisks,suchasphishingattacks,remainaconcernforbothbanksandcustomers.Additionally,thedigitaldivide—whereoldergenerationsstrugglewithtechnology—necessitatestargetedtrainingprograms.Toaddresstheseissues,thebankhaslaunchedahybridmodelcombiningonlineserviceswithin-personguidanceatlocalbranches.ThisapproachhasbeeneffectiveinregionslikePinghu,where90%ofuserspreferacombinationofdigitalandtraditionalbanking.1.WhatistheprimarychallengefacedbySMEsinruralZhejiangaccordingtothepassage?A.HightransactionfeesB.LimitedbankinginfrastructureC.InsufficientfinancialeducationD.Excessivecompetition2.HowhasdigitalbankinghelpedinPinghu?A.ReducedthenumberofbankbranchesB.IncreasedcybersecuritybreachesC.ImprovedaccesstofinancialservicesD.Decreasedcustomersatisfaction3.Accordingtothepassage,whatisthebank’sstrategytocombatthedigitaldivide?A.EncouragingfulldigitalizationB.Offeringin-persontrainingC.IncreasingfeesfortraditionalservicesD.Ignoringoldercustomers4.Whatdoesthereportsuggestaboutthefutureofdigitalbankinginruralareas?A.ItwillreplacetraditionalbankingentirelyB.ItwillremainlimitedduetocybersecurityrisksC.ItwillrequireabalancedapproachD.Itwillfocusonlyonlargeenterprises三、句子改錯（共3題，每題3分，共9分）說明：以下句子中各有一處錯誤，請指出并改正。1.Thebank’snewcreditpolicyhasbeenimplementedtoensurethatmorelocalbusinesseswillabletosecureloans.-Error:_______________-Correction:_______________2.Despitetheeconomicdownturn,thedemandforonlinebankingservicesinPinghuhascontinuedtogrowrapidly.-Error:_______________-Correction:_______________3.Ifthebankdoesnotinvestincybersecuritymeasures,itcouldbeexposedtosignificantfinanciallossesduetofraud.-Error:_______________-Correction:_______________四、完形填空（共5題，每題2分，共10分）說明：閱讀以下短文，選擇最合適的選項填入空格。ThefinanciallandscapeinZhejianghasbeenreshapedbytechnologicalinnovation.(1)digitalbankinghassimplifiedtransactions,(2)traditionalchallengespersist.Forexample,manyruralcustomersstillstrugglewithdigitalpaymentmethods.(3)thebankhasintroducedstep-by-steptutorialsandbranch-basedworkshopstobridgethisgap.(4)theseefforts,theadoptionofdigitalservicesinPinghuhasdoubledinthepasttwoyears.(5),thebankmustcontinuetobalanceinnovationwithcustomersupporttoensureinclusivegrowth.1.A.WithB.WithoutC.DespiteD.Becauseof2.A.whileB.butC.andD.or3.A.BecauseB.AlthoughC.SoD.Yet4.A.InB.ThroughC.WithD.For5.A.ThereforeB.HoweverC.MeanwhileD.Moreover五、翻譯（共2題，每題5分，共10分）說明：將以下中文句子翻譯成英文。1.招商銀行致力于通過金融科技提升服務效率，以更好地支持小微企業(yè)的發(fā)展。2.為應對長三角地區(qū)的市場競爭，該行計劃推出一系列創(chuàng)新的金融產品。答案與解析一、選詞填空1.A.revolutionized-解析：fintech（金融科技）對傳統(tǒng)銀行業(yè)務產生了顛覆性影響，故選revolutionized（使…革命化）。2.A.management-解析：跨境貿易的核心在于物流管理的效率，故選management（管理）。3.A.bridge-解析：政策旨在縮小城鄉(xiāng)差距，故選bridge（彌合）。4.A.enhance-解析：AI通過分析數(shù)據(jù)提升欺詐檢測能力，故選enhance（增強）。5.A.customize-解析：銀行需根據(jù)當?shù)匦枨笳{整服務，故選customize（定制化）。二、閱讀理解1.B.Limitedbankinginfrastructure-解析：文章明確指出農村SMEs因地理障礙難以獲得銀行服務。2.C.Improvedaccesstofinancialservices-解析：數(shù)字平臺使農村用戶更容易使用銀行服務。3.B.Offeringin-persontraining-解析：銀行通過線下培訓幫助老年人適應數(shù)字服務。4.C.Itwillrequireabalancedapproach-解析：文章強調數(shù)字與傳統(tǒng)結合的混合模式。三、句子改錯1.-Error:willableto-Correction:willbeableto2.-Error:rapidly-Correction:steadily（或modestly，根據(jù)語境選擇）3.-Error:doesnotinvest-Correction:doesnotinvest（原句無錯誤，但可改為doesnotadequatelyinvest以強調“不足”）四、完形填空1.C.Despite2.A.while3.B.Although4.B.Through5.D.Moreover五、翻譯1.English:ChinaMerchantsBankiscommittedtoimprovingserviceeff