平安銀行杭州市余杭區(qū)2025秋招筆試英語(yǔ)題專(zhuān)練及答案一、選詞填空（共10題，每題1分）題目：閱讀以下段落，從每題所給的四個(gè)選項(xiàng)中選擇最合適的詞填入空格中，使段落意思完整。Passage:Therapiddevelopmentofartificialintelligence(AI)hasbroughtbothopportunitiesandchallengestothefinancialindustry.ForbankslikePingAnBank,whichoperatesinHangzhou'sYuhangDistrict—ahuboftechnologicalinnovation—adaptingtodigitaltransformationiscrucial.ManyfinancialinstitutionsareexploringAIapplicationstoimprovecustomerservice,reduceoperationalcosts,andenhanceriskmanagement.However,theintegrationofAIalsoraisesconcernsaboutdatasecurityandethicalissues.Banksmuststrikeabalancebetweeninnovationandresponsibilitytoensuresustainablegrowth.1.A.potentialB.necessaryC.gradualD.unexpected2.A.whichB.whereC.thatD.when3.A.opportunitiesB.threatsC.risksD.challenges4.A.suchB.likeC.asD.for5.A.transformationB.revolutionC.evolutionD.revolution6.A.concernsB.benefitsC.costsD.solutions7.A.whileB.butC.andD.so8.A.traditionalB.innovativeC.conservativeD.modern9.A.ethicalB.legalC.financialD.technical10.A.progressB.growthC.developmentD.success二、閱讀理解（共5題，每題2分）題目：閱讀以下三篇短文，每篇短文后附有若干問(wèn)題。根據(jù)短文內(nèi)容，選擇最恰當(dāng)?shù)拇鸢?。Passage1:Hangzhou,knownasthe"SiliconValleyofEastChina,"hasbecomeamajorcenterforfintechstartups.PingAnBankhasinvestedheavilyinthisregion,partneringwithlocaltechfirmstodevelopcutting-edgefinancialsolutions.Accordingtoa2024reportbytheHangzhouMunicipalGovernment,thecity'sfintechindustrygrewby35%year-on-year,attractingsignificantinvestmentfrombothdomesticandforeigncompanies.Thegovernmenthasalsolaunchedpoliciestosupportinnovation,includingtaxincentivesandstreamlinedregulations.1.WhatisHangzhoufamousfor?A.ManufacturingB.TechnologyC.TourismD.Education2.WhyhasPingAnBankinvestedinHangzhou?A.ToreducecostsB.ToexpanditsmarketC.ToimproveitsinfrastructureD.Toincreaseitsprofits3.Accordingtothereport,whatwasthegrowthrateofHangzhou'sfintechindustryin2024?A.20%B.30%C.35%D.40%4.WhatmeasureshastheHangzhougovernmenttakentosupportfintech?A.HighertaxesB.FewerregulationsC.TaxincentivesandstreamlinedregulationsD.Increasedcompetition5.WhatdoesthepassagesuggestaboutHangzhou'sfuture?A.ItwilldeclineasatechhubB.ItwillremainakeycenterforfintechC.ItwillfocusonlyontraditionalindustriesD.ItwillfacefewerchallengesPassage2:Theuseofbigdatainbankinghasrevolutionizedriskmanagement.Byanalyzingvastamountsofcustomerdata,bankscanidentifypotentialfraud,predictmarkettrends,andpersonalizeservices.However,thisalsoraisesprivacyconcerns.PingAnBankhasimplementedstrictdataprotectionpoliciestoensurecompliancewithregulationssuchasthePersonalInformationProtectionLaw(PIPL).ThebankalsousesAIalgorithmstomonitortransactionsinreal-time,reducingtheriskofunauthorizedaccess.6.Whathasbigdatadoneforbanks?A.ReducedcustomersatisfactionB.IncreasedoperationalcostsC.ImprovedriskmanagementD.Decreasedregulatorycompliance7.Whatisonechallengeofusingbigdatainbanking?A.HighimplementationcostsB.LimiteddataavailabilityC.PrivacyconcernsD.Lowaccuracyrates8.HowdoesPingAnBankprotectcustomerdata?A.ByignoringprivacylawsB.ByusingweakencryptionC.ByimplementingstrictdataprotectionpoliciesD.Bystoringdatainunsecuredlocations9.Whatdoesthepassagesuggestaboutthefutureofbanking?A.ItwillbecomemoremanualB.ItwillrelylessontechnologyC.ItwillfocusmoreondatasecurityD.Itwillhavefewercustomers10.Whatisthemainpurposeofthepassage?A.TocriticizebigdataB.TohighlightthebenefitsofbigdataC.TopromoteAIinbankingD.TodiscussdataprotectionlawsPassage3:TheCOVID-19pandemicacceleratedtheadoptionofdigitalbankingservices.In2023,PingAnBankreporteda50%increaseinonlinetransactionscomparedto2019.Thebankintroducednewmobileapps,contactlesspayments,andvirtualbankingadvisorstomeetcustomerdemand.However,somecustomersstillprefertraditionalbankingmethods.Toaddressthis,PingAnBankhasopenedhybridbranchesthatcombinephysicalanddigitalservices.Thesebranchesofferin-personconsultationswhilealsoprovidingdigitaltoolsforremotebanking.11.WhathappenedtoPingAnBank'sonlinetransactionsafterthepandemic?A.TheydecreasedsignificantlyB.TheyremainedunchangedC.Theyincreasedby50%D.Theydroppedby30%12.WhatnewservicesdidPingAnBankintroduce?A.MorephysicalbranchesB.FewerdigitaltoolsC.Mobileapps,contactlesspayments,andvirtualbankingadvisorsD.Traditionalbankingmethods13.Whydosomecustomersstillprefertraditionalbanking?A.TheydistrustdigitalservicesB.TheyneedmorephysicalinteractionC.TheyaretoooldtousetechnologyD.Theywantfastertransactions14.WhathasPingAnBankdonetocatertothesecustomers?A.ClosedallphysicalbranchesB.ReduceddigitalservicesC.OpenedhybridbranchesD.Limitedonlinetransactions15.Whatdoesthepassagesuggestaboutthefutureofbanking?A.ItwillbecomecompletelydigitalB.ItwillremainunchangedC.ItwillblendphysicalanddigitalservicesD.Itwillfocusonlyontraditionalmethods三、完形填空（共10題，每題1分）題目：閱讀以下短文，選擇最合適的詞填入空格中，使文章意思完整。Theriseoffintechhastransformedthewaybanksoperate.(1)bankslikePingAnBankinHangzhouhaveembraceddigitaltransformation,theyhaveseensignificantimprovementsinefficiencyandcustomersatisfaction.(2)digitaltools,bankscannowprovidereal-timeservices,personalizedrecommendations,andfastertransactions.(3),theintegrationofAIandbigdatahasenabledbankstobettermanagerisksandcomplywithregulations.(4),challengesremain,suchasdatasecurityandethicalconsiderations.(5),withcontinuousinnovationandresponsiblepractices,bankscanensuresustainablegrowthinthedigitalera.1.A.AssoonasB.BecauseC.OnceD.Before2.A.ThroughB.WithC.ByD.Using3.A.MoreoverB.HoweverC.ThereforeD.Although4.A.ThereforeB.DespiteC.MoreoverD.So5.A.IfB.UnlessC.AlthoughD.Because四、翻譯填空（共5題，每題2分）題目：將以下中文句子翻譯成英文，每句需填入3-5個(gè)單詞。1.平安銀行在杭州余杭區(qū)積極推動(dòng)金融科技創(chuàng)新。2.大數(shù)據(jù)在銀行業(yè)風(fēng)險(xiǎn)管理中發(fā)揮著關(guān)鍵作用。3.客戶(hù)對(duì)數(shù)字銀行服務(wù)的需求不斷增長(zhǎng)。4.銀行需要平衡創(chuàng)新與合規(guī)。5.人工智能正在改變銀行業(yè)務(wù)模式。五、寫(xiě)作（共1題，10分）題目：Writeanessayofatleast150wordsdiscussingtheimportanceofdigitaltransformationforbanksinHangzhou'sYuhangDistrict.Includethefollowingpoints:-Theroleoffintechinimprovingbankingservices.-Thebenefitsofdigitaltransformationforcustomersandbanks.-Thechallengesandsolutionsforbanksadoptingdigitaltechnologies.答案與解析一、選詞填空答案與解析1.A.potential-解析：ThepassagediscussestheopportunitiesandchallengesbroughtbyAI,so"potential"fitsthecontext.2.B.which-解析："which"refersto"PingAnBank,"anon-definingrelativeclause.3.D.challenges-解析：Thepassagementionsbothopportunitiesanddifficulties,so"challenges"alignswiththecontext.4.B.like-解析："like"isusedtocomparePingAnBankwithotherinstitutions.5.A.transformation-解析："Digitaltransformation"isacommonterminthefinancialindustry.6.A.concerns-解析：Thepassagementionsdatasecurityandethicalissues,so"concerns"isappropriate.7.B.but-解析："But"introducesacontrastbetweeninnovationandresponsibility.8.B.innovative-解析：Thepassagedescribesbanksadaptingtodigitalchanges,so"innovative"fits.9.A.ethical-解析：Thepassagediscussesdatasecurityandethicalissues,so"ethical"isrelevant.10.B.growth-解析：Thepassagefocusesonsustainablegrowth,making"growth"thebestchoice.二、閱讀理解答案與解析Passage1:1.B.Technology-解析：ThepassagedescribesHangzhouasa"SiliconValleyofEastChina,"emphasizingitstechfocus.2.B.Toexpanditsmarket-解析：PingAnBankinvestsinHangzhoutogrowitspresenceinthefintechhub.3.C.35%-解析：Thereportstatesa35%growthrateforthefintechindustry.4.C.Taxincentivesandstreamlinedregulations-解析：Thegovernmentofferstaxbreaksandeasierregulationstosupportfintech.5.B.Itwillremainakeycenterforfintech-解析：ThepassagesuggestsHangzhou'scontinuedimportanceinfintech.Passage2:6.C.Improvedriskmanagement-解析：Bigdatahelpsbanksmanagerisksbetter.7.C.Privacyconcerns-解析：Thepassagementionsdataprotectionandcomplianceissues.8.C.Byimplementingstrictdataprotectionpolicies-解析：PingAnBankfollowsstrictrulestosafeguarddata.9.C.Itwillfocusmoreondatasecurity-解析：Thepassageimpliesfuturebankingwillprioritizesecurity.10.B.Tohighlightthebenefitsofbigdata-解析：Thepassagefocusesonhowbigdatahelpsbanks.Passage3:11.C.Theyincreasedby50%-解析：Thereportshowsa50%riseinonlinetransactions.12.C.Mobileapps,contactlesspayments,andvirtualbankingadvisors-解析：ThesearethenewservicesintroducedbyPingAnBank.13.B.Theyneedmorephysicalinteraction-解析：Somecustomerspreferface-to-facebanking.14.C.Openedhybridbranches-解析：PingAnBankcombinesphysicalanddigitalservices.15.C.Itwillblendphysicalanddigitalservices-解析：Thepassagesuggestsamixoftraditionalandmodernbanking.三、完形填空答案與解析1.B.Because-解析："Because"showsthereasonforimprovementsinefficiency.2.B.With-解析："Withdigitaltools"isidiomatic.3.A.Moreover-解析："Moreover"addsanotherbenefitofdigitaltransformation.4.B.Despite-解析："Despitechallenges"introducesthenegativeaspects.5.A.If-解析："If"introducesaconditionforsustainablegrowth.四、翻譯填空答案與解析1.PingAnBankisactivelypromotingfinancialtechnologyinnovationinHangzhou'sYuhangDistrict.-解析："積極推動(dòng)"→"activelypromoting";"金融科技創(chuàng)新"→"financialtechnologyinnovation."2.Bigdataplaysakeyroleinriskmanagementinthebankingindustry.-解析："關(guān)鍵作用"→"keyrole";"銀行業(yè)風(fēng)險(xiǎn)管理"→"riskmanagementinthebankingindustry."3.Customerdemandfordigitalbankingservicesisconstantlygrowing.-解析："不斷增長(zhǎng)"→"constantlygrowing";"客戶(hù)對(duì)...的需求"→"customerdemandfor..."4.Banksneedtobalanceinnovationandcompliance.-解析："平衡"→"balance";"創(chuàng)新與合規(guī)"→"innovationandcompliance."5.Artificialintelligenceischangingthebusinessmodelofbanking.-解析："改變...模式"→"changingthe...model";"銀行業(yè)務(wù)模式"→"businessmodelofbanking."五、寫(xiě)作答案與解析Essay:DigitaltransformationhasbecomeessentialforbanksinHangzhou'sYuhangDistrict,ahuboffintechinnovation.Theriseofdigitaltoo