招商銀行樂山市市中區(qū)2025秋招筆試英文行測高頻題含答案第一部分：選詞填空（共5題，每題2分，合計(jì)10分）（本部分題目結(jié)合金融與銀行業(yè)務(wù)場景，考察詞匯運(yùn)用與語境理解能力）1.Thebank’snewpolicyaimsto______thedigitaltransformationandenhancecustomer______.A.accelerate/satisfactionB.promote/efficiencyC.optimize/engagementD.support/retention2.Despiteeconomic______,thecompanymanagedto______itsprofitsbyexpandingintoemergingmarkets.A.uncertainty/increaseB.stability/stabilizeC.recession/maintainD.inflation/reduce3.Ourteamneedsto______themarkettrendstodevelopamoretargeted______strategy.A.analyze/competitiveB.predict/aggressiveC.monitor/innovativeD.evaluate/defensive4.Theloanagreementrequiresstrict______ofcompliancetoavoidpotentiallegal______.A.adherence/consequencesB.modification/penaltiesC.flexibility/risksD.negotiation/obligations5.Thebank’s______approachhassignificantlyimprovedthe______rateamongyoungclients.A.personalized/adoptionB.standardized/penetrationC.flexible/withdrawalD.traditional/decline第二部分：閱讀理解（共4題，每題3分，合計(jì)12分）（本部分選取金融行業(yè)相關(guān)短文，考察信息提取與邏輯推理能力）Passage1Theriseoffintechhasreshapedthebankingindustry,particularlyinregionalmarketslikeLiuzhou.Traditionalbanksfaceincreasingcompetitionfromdigital-onlylenders,whichofferlowerfeesandfasterservices.Tostayrelevant,institutionslikeChinaMerchantsBankmustinvestinAI-drivensolutionsanduser-friendlyinterfaces.However,thisrequiresbalancinginnovationwithregulatorycompliance.Forinstance,thePeople’sBankofChinarecentlytightenedrulesondataprivacy,forcingbankstorevisetheircybersecuritymeasures.Despitethesechallenges,thelong-termbenefitsofdigitaltransformation—suchasimprovedoperationalefficiencyandcustomersatisfaction—remainundeniable.Questions:6.Whatisthemainchallengefortraditionalbanksinthefintechera?A.HighoperatingcostsB.RegulatoryrestrictionsC.LackoftechnologicalexpertiseD.Reducedmarketshare7.Accordingtothepassage,whichfactorwilllikelydeterminethesuccessofbanksinLiuzhou?A.TraditionalbankingexperienceB.InvestmentindigitalinfrastructureC.GovernmentsubsidiesD.Physicalbranchexpansion8.Thephrase"digital-onlylenders"refersto:A.BankswithlimitedonlineservicesB.FintechcompanieswithoutphysicalbranchesC.Government-ownedfinancialinstitutionsD.Banksspecializinginruralmarkets9.WhydoesthePeople’sBankofChinaregulatedataprivacy?A.ToencouragecompetitionB.ToprotectconsumersC.ToincreasebankprofitsD.TopromoteinnovationPassage2Liuzhou,acityinGuangxi,hasbecomeahubforgreenfinanceduetoitsabundantrenewableenergyresources.Localbanks,includingChinaMerchantsBank,havelaunchedgreencreditprogramstosupportsolarandwindprojects.Forexample,thebankprovidedaRMB500millionloantoasolarfarmdeveloper,helpingtoreducecarbonemissionsintheregion.However,sustainablefinancingalsofaceshurdles,suchashighupfrontcostsanduncertainreturns.Toaddressthis,thegovernmenthasintroducedtaxincentivesforenvironmentallyfriendlyinvestments.Thispolicyhasencouragedmorebankstoallocatecapitaltogreenprojects,signalingashifttowardsustainableeconomicgrowth.Questions:10.WhatistheprimarypurposeofthegreencreditprogramsinLiuzhou?A.ToboosturbandevelopmentB.TosupportrenewableenergyprojectsC.ToreducegovernmentdebtD.Toattractforeigninvestors11.Accordingtothepassage,whatchallengedogreenprojectsface?A.LimitedgovernmentsupportB.HighfinancialrisksC.InsufficientlaborforceD.Inadequateinfrastructure12.Howdoesthegovernmentplantoovercomethesechallenges?A.ByincreasinginterestratesB.ThroughtaxincentivesC.ByrestrictingbanklendingD.Byencouragingprivateinvestment13.WhatdoesthepassagesuggestaboutthefutureoffinanceinLiuzhou?A.AreturntotraditionalbankingB.Afocusonnon-renewableenergyC.AshifttowardsustainablefinanceD.Areductioninbankprofits第三部分：完形填空（共5題，每題2分，合計(jì)10分）（本部分填空內(nèi)容涉及銀行業(yè)務(wù)與管理，考察語法與上下文銜接能力）Lastyear,theChinaMerchantsBankbranchinLiuzhouimplementedanewcustomersegmentationstrategyto______(14)revenuegrowth.Theplan______(15)threemaingroups:high-valueclients,small-businessowners,andretailcustomers.By______(16)tailoredfinancialproducts,thebanksawa15%increaseinwealthmanagementassetswithinsixmonths.However,thestrategyalsohighlightedtheneedforbetter______(17)betweendepartments.Forexample,theloanteamstruggledtocoordinatewiththedigitalbankingteam,leadingtodelaysinservicedelivery.To______(18)this,thebankhiredanewoperationsmanagerwhospecializesincross-functionalcollaboration.Asaresult,customercomplaintsaboutslowprocessingtimes______(19)significantly.Thesuccessofthisinitiativeunderscorestheimportanceof______(20)data-drivendecisionsinmodernbanking.Whilechallengesremain,thebank’swillingnesstoadaptensuresitremainscompetitiveintheevolvingfinanciallandscape.Wordsforreference:14.drive/foster/enhance/boost15.divides/classifies/segments/organizes16.offering/providing/developing/introducing17.communication/coordination/cooperation/collaboration18.resolve/address/solve/tackle19.declined/decreased/reduced/minimized20.leveraging/utilizing/adopting/relying第四部分：句子改錯(cuò)（共5題，每題2分，合計(jì)10分）（本部分考察語法準(zhǔn)確性，需找出句子中的錯(cuò)誤并改正）21.Thebank’snewmobileappallowscustomerstotransferfundsinreal-time,whichitmakesmoreconvenientforsmallbusinesses.→Correct:______22.Despitefacingeconomicdownturns,thecompanyhasbeenabletomaintainitsprofitabilityduetothestrongperformanceofitsfixed-incomeportfolio.→Correct:______23.Ifwehadinvestedinrenewableenergyprojectsearlier,wewouldhavereducedourcarbonfootprintbyatleast30%.→Correct:______24.Theregulatorycommitteereviewedtheloanapplicationandapproveditimmediatelywithoutrequiringfurtherdocumentation.→Correct:______25.Althoughthebankhasimplementedstrictcompliancemeasures,thereisstillariskoffraudduetothecomplexityofthefinancialsystems.→Correct:______答案與解析第一部分：選詞填空1.A.accelerate/satisfaction解析：銀行政策旨在加速數(shù)字化轉(zhuǎn)型，提升客戶滿意度。2.A.uncertainty/increase解析：經(jīng)濟(jì)不確定性下，公司通過拓展新興市場增加利潤。3.C.monitor/innovative解析：團(tuán)隊(duì)需監(jiān)控市場趨勢，制定創(chuàng)新策略。4.A.adherence/consequences解析：貸款協(xié)議要求嚴(yán)格合規(guī)，避免法律后果。5.A.personalized/adoption解析：個(gè)性化服務(wù)顯著提高年輕客戶產(chǎn)品采納率。第二部分：閱讀理解6.B.Regulatoryrestrictions解析：文章指出傳統(tǒng)銀行面臨的主要挑戰(zhàn)是監(jiān)管限制。7.B.Investmentindigitalinfrastructure解析：數(shù)字基礎(chǔ)設(shè)施投資將決定銀行在柳州的成功。8.B.Fintechcompanieswithoutphysicalbranches解析：文中解釋了無實(shí)體網(wǎng)點(diǎn)的金融科技公司。9.B.Toprotectconsumers解析：中國人民銀行監(jiān)管數(shù)據(jù)隱私是為了保護(hù)消費(fèi)者。10.B.Tosupportrenewableenergyprojects解析：綠色信貸旨在支持可再生能源項(xiàng)目。11.B.Highfinancialrisks解析：綠色項(xiàng)目面臨的主要挑戰(zhàn)是財(cái)務(wù)風(fēng)險(xiǎn)。12.B.Throughtaxincentives解析：政府通過稅收優(yōu)惠鼓勵(lì)綠色投資。13.C.Ashifttowardsustainablefinance解析：文章暗示柳州金融業(yè)將轉(zhuǎn)向可持續(xù)方向。第三部分：完形填空14.boost15.segments16.offering17.collaboration18.address19.declined20.leveraging解析：14.boost（推動(dòng)）符合銀行業(yè)務(wù)增長目標(biāo)。15.segments（細(xì)分）與客戶分組策略相關(guān)。16.offering（提供）體現(xiàn)產(chǎn)品定制化。17.collaboration（協(xié)作）解決跨部門問題。18.address（解決）與改善服務(wù)效率匹配。19.declined（下降）描述客戶投訴減少。20.leveraging（利用）強(qiáng)調(diào)數(shù)據(jù)驅(qū)動(dòng)決策。第四部分：句子改錯(cuò)21.Thebank’snewmobileappallowscustomerstotransferfundsinreal-time,makingitmoreconvenientforsmallbusinesses.→Correct:addingthatitmakes...（添加連接詞）22.Despitefacingeconomicdownt