招商銀行蘇州市太倉市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）題目：1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.threatenedD.supported2.Despitetheeconomicdownturn,thedemandforgreenfinanceinSuzhouremains______.A.stagnantB.volatileC.resilientD.fluctuating3.Ourbank’scustomerserviceteamis______toprovidepersonalizedsolutionsforSMEclients.A.dedicatedB.reluctantC.inefficientD.negligent4.Themergerwill______themarketshareofbothbanksintheYangtzeRiverDeltaregion.A.expandB.consolidateC.diminishD.fluctuate5.Theregulatorychangeshave______thecompliancecostsforfinancialinstitutionsinTaihu.A.reducedB.increasedC.ignoredD.minimized二、閱讀理解（共4題，每題3分，共12分）題目：Passage1:TheriseofdigitalbankinghastransformedthefinanciallandscapeinChina.AccordingtoareportbythePeople’sBankofChina,65%ofurbanresidentsinSuzhounowusemobilebankingfordailytransactions.Thisshifthasnotonlyimprovedconveniencebutalsoraisedconcernsaboutcybersecurity.Financialinstitutionsmustinvestinadvancedencryptiontechnologiestomitigaterisks.Meanwhile,thegovernmenthasintroducedstricterdataprotectionlawstosafeguardconsumerinformation.Banksthatfailtocomplymayfaceheavypenalties.1.WhatisthemainimpactofdigitalbankinginSuzhou?A.IncreasedcompliancecostsB.EnhancedtransactionefficiencyC.HighercybersecurityrisksD.Reducedmarketcompetition2.Accordingtothepassage,whatisthegovernment’sroleindigitalbanking?A.EncouragingprivateinvestmentB.StrengtheningregulatoryoversightC.PromotingtraditionalbankingD.Reducingconsumerprotection3.WhichofthefollowingisachallengeforbanksinSuzhou?A.LowcustomeradoptionofmobilebankingB.LimitedgovernmentsupportforfintechC.HighcybersecuritythreatsD.Excessivemarketcompetition4.WhatdoesthepassagesuggestaboutthefutureofbankinginTaihu?A.TraditionalbankswilldominatethemarketB.DigitalbankingwillbecomethenormC.CompliancecostswilldeclinesharplyD.CybersecuritywillbelessofaconcernPassage2:SMEsinTaihuhavefacedchallengesinaccessingfinancingduetostrictlendingcriteria.However,theintroductionofsupply-sidefinancingprogramshasalleviatedsomeoftheseissues.AjointstudybytheIndustrialBankandtheTaihuEconomicDevelopmentBureaufoundthat40%ofSMEsintheregionnowreceiveloansthroughdigitalplatforms.TheseplatformsuseAItoassesscreditworthiness,reducingthetimeforloanapproval.Despitethisprogress,manySMEsstillstrugglewithhighinterestrates.Banksneedtodevelopmoreinclusivefinancingmodelstosupportlocalbusinesses.5.WhatistheprimaryproblemforSMEsinTaihu?A.ExcessivegovernmentregulationB.LimitedaccesstofinancingC.HighdigitalbankingadoptionD.Lowprofitability6.HowhavedigitalplatformshelpedSMEsinTaihu?A.IncreasedcompliancecostsB.FasterloanapprovalsC.HigherinterestratesD.Reducedgovernmentsupport7.Accordingtothepassage,whatistheroleofAIinlending?A.StrengtheningregulatoryoversightB.ImprovingcreditassessmentC.IncreasingloanrejectionratesD.Reducingcustomersatisfaction8.WhatrecommendationdoesthepassagemakeforbanksinTaihu?A.FocusonlargecorporationsonlyB.PrioritizedigitalbankingexpansionC.DevelopmoreinclusivefinancingmodelsD.Increaseloaninterestrates三、語法填空（共5題，每題2分，共10分）題目：Fillintheblankswiththecorrectformofthewordsprovided.1.Despitethe______(tough)economicconditions,thefintechsectorinSuzhoucontinuestogrow.2.Thebank’snewcompliancepolicyaimsto______(ensure)theprotectionofcustomerdata.3.ManystartupsinTaihuare______(innovate)todevelopsustainablefinancialsolutions.4.Themergerwill______(benefit)bothbanksbyexpandingtheirmarketreach.5.Theregulatorhaswarnedthatfailureto______(comply)withthenewrulesmayresultinfines.四、完形填空（共5題，每題2分，共10分）題目：Readthepassageandchoosethebestwordtofilleachblank.ThefinancialindustryinTaihuisundergoingasignificanttransformation.Withtheriseofdigitalbanking,traditionalinstitutionsmust______(1)theirstrategiestoremaincompetitive.ManybanksintheregionareinvestinginAIandblockchaintechnologiesto______(2)operationalefficiency.However,thesechangesalsobringchallenges.Forexample,cybersecuritythreatshave______(3)inrecentyears.Banksmustbalanceinnovationwithriskmanagementto______(4)trustamongcustomers.Thegovernmenthasalsoplayedaroleby______(5)stricterregulationstoprotectconsumers.1.A.adaptB.ignoreC.rejectD.embrace2.A.reduceB.improveC.ignoreD.delay3.A.increasedB.decreasedC.stabilizedD.vanished4.A.maintainB.loseC.gainD.ignore5.A.introducingB.relaxingC.removingD.enforcing五、改錯題（共5題，每題2分，共10分）題目：Correcttheerrorsinthefollowingsentences.1.Thenewfintechpolicywillaffectnotonlythelargebanksbutalsothesmallandmedium-sizedenterprisesinTaihu.2.Despitethehighinterestrates,manystartupsinSuzhoustillprefertraditionalbankingservices.3.Themergeroftwolocalbankswillbenefitonlytheshareholdersofthelargerinstitution.4.Thecomplianceofficerisresponsibleforensurethatalltransactionsarelegal.5.Althoughthedigitalbankingadoptionrateislowinsomeruralareas,itisexpectedtogrowinthenextfiveyears.六、翻譯題（共5題，每題2分，共10分）題目：TranslatethefollowingsentencesintoEnglish.1.招商銀行太倉分行計劃在2025年推出綠色信貸產(chǎn)品以支持當?shù)仄髽I(yè)。2.隨著人工智能的發(fā)展，金融行業(yè)的欺詐風險正在增加。3.太湖地區(qū)的中小企業(yè)在融資方面仍然面臨許多挑戰(zhàn)。4.為了提高客戶滿意度，銀行需要提供更加個性化的服務。5.中國的金融監(jiān)管政策正在變得越來越嚴格。答案與解析一、選詞填空1.A(forced)–Fintech’srapiddevelopmenthascompelledtraditionalbankstoinnovate.2.C(resilient)–Demandremainsstrongdespiteeconomicdownturns.3.A(dedicated)–Theteamiscommittedtopersonalizedsolutions.4.B(consolidate)–Mergerscombinemarketshares.5.B(increased)–Regulationsraisecompliancecosts.二、閱讀理解1.B–Digitalbankingimprovestransactionefficiency.2.B–Governmentenforcesstricterdataprotectionlaws.3.C–Cybersecuritythreatsareamajorchallenge.4.B–Digitalbankingwillbecomedominant.5.B–SMEsstrugglewithlimitedfinancing.6.B–Digitalplatformsspeeduploanapprovals.7.B–AIimprovescreditassessment.8.C–Banksshoulddevelopinclusivefinancingmodels.三、語法填空1.tough2.ensure3.innovating4.benefit5.comply四、完形填空1.adapt2.improve3.increased4.maintain5.introducing五、改錯題1.Correct:Thenewfintechpolicywillaffectnotonlythelargebanksbutalsosmallandmedium-sizedenterprisesinTaihu.2.Correct.3.Correct:Themergeroftwolocalbankswillbenefitnotonlytheshareholdersofthelargerinst