招商銀行西安市雁塔區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）（題目背景：結(jié)合金融與西安發(fā)展，考察詞匯應(yīng)用能力）1.TherapidgrowthoffintechinXi'anhas______thetraditionalbankingsectortoinnovate.A.forcedB.requiredC.enabledD.motivated2.Ourteamis______toexplorenewbusinessopportunitiesintheShaanximarket.A.dedicatedB.efficientC.adaptableD.ambitious3.Thecity'seconomicpolicyaimsto______smallandmedium-sizedenterprises.A.supportB.restrictC.developD.eliminate4.Thebank'sdigitalplatformhassignificantly______customerserviceefficiency.A.enhancedB.reducedC.maintainedD.lowered5.ThenewbranchinLianchengRoadisstrategically______tomajortechhubs.A.locatedB.positionedC.placedD.settled6.Weneedto______therisksassociatedwithinterestratefluctuations.A.assessB.ignoreC.reduceD.celebrate7.Themergerwill______thebank'smarketshareintheWesternregion.A.expandB.shrinkC.stabilizeD.fluctuate8.TheregulatoryenvironmentinChinarequiresbanksto______compliancestandards.A.meetB.exceedC.ignoreD.challenge9.TheAI-drivenloanapprovalsystemhas______processingtimeby40%.A.decreasedB.increasedC.preservedD.wasted10.Thebank'ssustainabilitygoalsinclude______carbonemissionsby2030.A.reducingB.increasingC.ignoringD.balancing二、閱讀理解（共5題，每題2分）（題目背景：涉及金融科技、西安經(jīng)濟(jì)發(fā)展政策及銀行管理）Passage1Xi'an,akeycityinChina'sWesternDevelopmentStrategy,hasbecomeahubforfintechstartups.Thelocalgovernmentofferstaxincentivesandfundingsupporttoattracttechfirms.ArecentreportbytheBankofChinahighlightsthatXi'an'sfintechindustrygrewby35%in2024,drivenbycollaborationsbetweenbanksandtechcompanies.MajorbankslikeChinaMerchantsBankandICBChavesetupinnovationlabsinthecity.ThegovernmentalsoplanstobuildafintechparkneartheLianchengRoadBusinessDistricttofurtherboosttheindustry.However,challengesremain,suchasdatasecurityandtalentshortages.1.Whatistheprimarypurposeofthegovernment'spoliciesinXi'an?A.Toreducethenumberoffintechcompanies.B.Toattractmorefintechfirmstothecity.C.Topromotetraditionalbankingovertech.D.Tolimitforeigninvestmentinfintech.2.Accordingtothereport,whichsectorhasdrivenXi'an'sfintechgrowth?A.Governmentsubsidies.B.Bank-Techcollaborations.C.Foreigndirectinvestment.D.Consumerdemand.3.Whatisthesignificanceoftheproposedfintechpark?A.Itwillhosttraditionalbankingoperations.B.Itaimstocentralizefinancialregulation.C.Itwillfosterinnovationinfintech.D.Itwillreplaceexistingbusinessdistricts.Passage2Therapidadoptionofdigitalbankinghastransformedcustomerexpectations.AsurveybyJPMorganshowsthat68%ofyoungprofessionalsinXi'anpreferonlinebankingservicesoverphysicalbranches.ThisshifthasforcedbankstoinvestheavilyinmobileappsandAI-drivensolutions.Forinstance,ChinaMerchantsBank's"WeBank"apphasintroducedfacialrecognitionforfastertransactions.However,securityconcernsremainamajorissue.Thebankreporteda20%increaseinfraudcaseslastyear,promptingstricterverificationmeasures.Meanwhile,thePeople'sBankofChinahastightenedregulationsondataprivacy,requiringbankstoadoptmorerobustencryptiontechnologies.4.WhathaschangedcustomerpreferencesinXi'an?A.Higherinterestrates.B.Betterbranchlocations.C.Digitalbankingadvancements.D.Increasedgovernmentsupport.5.WhatchallengedoesChinaMerchantsBankfacedespiteitsdigitalefforts?A.Lowappusage.B.Fraudandsecurityrisks.C.Highoperationalcosts.D.Limitedcustomerbase.三、完形填空（共10題，每題1分）（題目背景：圍繞銀行數(shù)字化轉(zhuǎn)型、西安金融生態(tài)）ThebankingindustryinXi'anhasundergoneasignificanttransformationinrecentyears.Withtheriseoffintech,traditionalbankshavehadto______(6)______innovativetostaycompetitive.TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasencouragedbanksto______(7)______digitalservices,suchasmobilepaymentsandonlineloans.OneofthemostsuccessfulexamplesistheBankofCommunications,whichhas______(8)______ablockchain-basedpaymentsystemincollaborationwithalocaltechfirm.Thissystemhasnotonlyimprovedtransactionefficiencybutalsoreducedcosts.However,thebankhasfaced______(9)______challenges,suchascybersecuritythreatsandregulatorycompliance.Toaddresstheseissues,thebankhasinvestedinadvancedencryptiontechnologiesandhiredmoreITprofessionals.Additionally,thegovernmenthas______(10)______apilotprogramtopromotedigitalbankingamongsmallbusinessesinXi'an.Thisprogramaimsto______(11)______thedigitaldividebetweenlargeenterprisesandSMBs.6.A.embraceB.resistC.ignoreD.postpone7.A.expandB.limitC.reduceD.eliminate8.A.developedB.discardedC.purchasedD.outsourced9.A.minorB.majorC.temporaryD.unavoidable10.A.launchedB.canceledC.delayedD.suspended11.A.bridgeB.widenC.deepenD.close四、翻譯（共2題，每題5分）（題目背景：結(jié)合金融術(shù)語與西安經(jīng)濟(jì)特點(diǎn)）1.將以下句子翻譯成英文：西安市政府通過提供稅收優(yōu)惠和低息貸款，大力支持本地金融機(jī)構(gòu)的發(fā)展，以期在未來五年內(nèi)將金融業(yè)產(chǎn)值提升至3000億元人民幣。2.將以下句子翻譯成中文：隨著數(shù)字貨幣的普及，招商銀行計(jì)劃在西安設(shè)立一個(gè)智能投顧中心，幫助客戶優(yōu)化資產(chǎn)配置，降低投資風(fēng)險(xiǎn)。答案及解析一、選詞填空1.B(required：需要，符合金融行業(yè)的普遍需求)2.A(dedicated：致力于，體現(xiàn)金融團(tuán)隊(duì)的專業(yè)精神)3.A(support：支持，符合政府扶持中小企業(yè)的政策導(dǎo)向)4.A(enhanced：提升，符合銀行數(shù)字化轉(zhuǎn)型的目標(biāo))5.B(positioned：定位，強(qiáng)調(diào)銀行在地理位置上的優(yōu)勢(shì))6.A(assess：評(píng)估，金融風(fēng)險(xiǎn)管理的關(guān)鍵步驟)7.A(expand：擴(kuò)大，符合銀行擴(kuò)張戰(zhàn)略)8.A(meet：滿足，合規(guī)是銀行業(yè)的基本要求)9.A(decreased：減少，效率提升的常見表述)10.A(reducing：減少，可持續(xù)發(fā)展目標(biāo)的核心)二、閱讀理解1.B(吸引更多科技企業(yè)，與文中政府政策一致)2.B(銀行-科技合作，文中明確提到)3.C(促進(jìn)科技創(chuàng)新，與文中提案目標(biāo)相符)4.C(數(shù)字銀行發(fā)展，文中調(diào)查顯示)5.B(欺詐和安全風(fēng)險(xiǎn)，文中提到銀行面臨的挑戰(zhàn))三、完形填空6.A(embrace：擁抱，符合行業(yè)