招商銀行烏魯木齊市天山區(qū)2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）1.Therapiddevelopmentoffintechhasbroughtbothopportunitiesand______totraditionalbankingoperationsintheXinjiangregion.A.challengesB.innovationsC.disruptionsD.efficiencies2.ToattractmorebusinessestoUrumqi,thebankhaslaunchedaseriesof______policies,includingtaxincentivesandpreferentialinterestrates.A.restrictiveB.supportiveC.prohibitiveD.competitive3.Thebank’sdigitaltransformationstrategyaimsto______theefficiencyofservicedeliverywhilemaintaininghighlevelsofsecurity.A.enhanceB.degradeC.diminishD.stabilize4.ThelocaleconomicenvironmentinTianShanDistrictfaces______duetofluctuationsincommoditypricesandenergydemand.A.instabilityB.sustainabilityC.predictabilityD.diversification5.Thebank’sCSRinitiativesinUrumqifocuson______localcommunitiesthrougheducationandinfrastructureprojects.A.upliftingB.neglectingC.underminingD.isolating二、閱讀理解（共4題，每題3分，共12分）Passage:ThebankingsectorinXinjianghasundergonesignificantchangesinrecentyears,drivenbytechnologicaladvancementsandpolicyreforms.Fintechcompanieshaveemergedaskeyplayers,offeringinnovativesolutionssuchasmobilepaymentsandblockchain-basedtransactions.However,traditionalbankslikeChinaMerchantsBankstillplayacrucialroleinprovidingcomprehensivefinancialservices.Thebankhasinvestedheavilyindigitalinfrastructuretoimprovecustomerexperienceandoperationalefficiency.Additionally,ithasstrengtheneditsriskmanagementsystemstoaddresschallengessuchascybersecuritythreats.Thegovernment’ssupportforfinancialinclusionhasfurtherboostedthesector,withinitiativesaimedatexpandingaccesstobankingservicesinruralareas.6.WhatistheprimarydriverofchangeintheXinjiangbankingsector?A.GovernmentregulationsB.TechnologicaladvancementsC.PopulationgrowthD.Internationalinvestment7.Howhavefintechcompaniesimpactedtraditionalbanksintheregion?A.Theyhavereplacedtraditionalbanksentirely.B.Theyhaveforcedtraditionalbankstoinnovate.C.Theyhavelimitedtraditionalbanks’marketshare.D.Theyhavehadnosignificantimpact.8.WhatmeasureshasChinaMerchantsBanktakentoadapttothedigitalera?A.Reducedinvestmentintechnology.B.Focusedonruralbankingonly.C.Enhanceddigitalinfrastructureandriskmanagement.D.Reliedsolelyonmobilebanking.9.Whatisthegovernment’sroleinsupportingthebankingsectorinXinjiang?A.Restrictingfinancialservices.B.Encouragingfinancialinclusion.C.Promotingforeigninvestment.D.Focusingonurbandevelopmentonly.三、邏輯判斷（共5題，每題2分，共10分）10.Ifthebankincreasesitsmarketingbudget,itwillattractmorecustomers.Therefore,increasingthemarketingbudgetwillleadtohigherprofits.A.TrueB.FalseC.UncertainD.Notapplicable11.Traditionalbankingservicesaremoresecurethandigitalbankingservices.A.TrueB.FalseC.UncertainD.Notapplicable12.Iffintechcompaniesdominatethemarket,traditionalbankswillbecomeobsolete.A.TrueB.FalseC.UncertainD.Notapplicable13.Implementingstrictercybersecuritymeasureswillreducecustomertrustinthebank.A.TrueB.FalseC.UncertainD.Notapplicable14.Governmentsubsidiesforsmallbusinesseswilldirectlyincreasethebank’srevenue.A.TrueB.FalseC.UncertainD.Notapplicable四、數(shù)據(jù)分析（共3題，每題4分，共12分）Table:ThetableshowsthenumberofbankbranchesinUrumqifrom2020to2024.|Year|TotalBranches|FintechCompanies|TraditionalBanks|||-|-|-||2020|150|30|120||2021|180|50|130||2022|200|70|130||2023|220|90|130||2024|250|110|140|15.WhatisthetotalnumberofbankbranchesinUrumqiin2024?16.Howmanymorefintechcompaniesthantraditionalbanksweretherein2023?17.Whatisthepercentageincreaseinfintechcompaniesfrom2020to2024?五、情景應(yīng)用（共3題，每題4分，共12分）18.AlocalbusinessinUrumqiislookingtoexpanditsoperationsbutlackssufficientcapital.Whatfinancialproductshouldthebankrecommend?A.BusinessloanB.CreditcardC.SavingsaccountD.Investmentfund19.AcustomerinTianShanDistrictwantstotransfermoneytoanothercityquickly.Whichserviceshouldthebankprovide?A.CashdepositB.WiretransferC.MobilepaymentD.Certificateofdeposit20.Thebankwantstopromotefinancialliteracyamongstudentsin烏魯木齊.Whatinitiativeshoulditlaunch?A.FreecheckingaccountB.OnlinebankingtutorialC.DebtconsolidationloanD.High-yieldsavingsbond答案與解析一、選詞填空1.A.challenges（金融科技的發(fā)展給新疆地區(qū)的傳統(tǒng)銀行業(yè)務(wù)帶來(lái)了機(jī)遇和挑戰(zhàn)。）2.B.supportive（為吸引更多企業(yè)落戶烏魯木齊，銀行推出了一系列支持性政策。）3.A.enhance（銀行的數(shù)字化轉(zhuǎn)型戰(zhàn)略旨在提高服務(wù)效率，同時(shí)保持高水平的安全性。）4.A.instability（烏魯木齊市天山區(qū)的地方經(jīng)濟(jì)環(huán)境因大宗商品價(jià)格和能源需求的波動(dòng)而面臨不穩(wěn)定。）5.A.uplifting（銀行的CSR項(xiàng)目聚焦于通過(guò)教育和基礎(chǔ)設(shè)施項(xiàng)目提升當(dāng)?shù)厣鐓^(qū)。）二、閱讀理解6.B.Technologicaladvancements（新疆銀行業(yè)的變化主要受技術(shù)進(jìn)步驅(qū)動(dòng)。）7.B.Theyhaveforcedtraditionalbankstoinnovate（金融科技公司迫使傳統(tǒng)銀行進(jìn)行創(chuàng)新。）8.C.Enhanceddigitalinfrastructureandriskmanagement（中國(guó)招商銀行加大了對(duì)數(shù)字基礎(chǔ)設(shè)施和風(fēng)險(xiǎn)管理的投資。）9.B.Encouragingfinancialinclusion（政府在支持銀行業(yè)方面鼓勵(lì)金融普惠。）三、邏輯判斷10.C.Uncertain（增加營(yíng)銷預(yù)算不一定直接導(dǎo)致利潤(rùn)提高。）11.C.Uncertain（傳統(tǒng)銀行和數(shù)字銀行的安全性取決于具體措施。）12.B.False（傳統(tǒng)銀行仍可通過(guò)差異化服務(wù)保持競(jìng)爭(zhēng)力。）13.B.False（加強(qiáng)網(wǎng)絡(luò)安全措施通常能提升客戶信任。）14.C.Uncertain（政府補(bǔ)貼的效果取決于銀行自身的業(yè)務(wù)模式。）四、數(shù)據(jù)分析15.250（2024年總網(wǎng)點(diǎn)數(shù)為250個(gè)。）16.60（2023年金融科技公司有90家，傳統(tǒng)銀行為130家，相差40家；但表格中傳統(tǒng)銀行為130家，可能數(shù)據(jù)有誤，實(shí)際應(yīng)為90-130=-40，但通常題目會(huì)保證傳統(tǒng)銀行更多，此處按表格直接計(jì)算差值。）17.366.67%（110-