平安銀行保定市競秀區(qū)2025秋招筆試英語題專練及答案一、單選題（共10題，每題1分）說明：以下題目涵蓋語法、詞匯、日常交流和銀行業(yè)務知識，結(jié)合保定市競秀區(qū)及平安銀行業(yè)務特點設(shè)計。1.Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringfinancialinstitutionstoadaptquickly.A)revolutionizedB)standardizedC)simplifiedD)centralized(答案：A)2.Whatshouldacustomerdoiftheynoticeanunauthorizedtransactionontheir平安銀行account?A)Ignoreitasitmightbeasystemerror.B)Contactthebranchimmediatelyforassistance.C)Usethemobileapptoblockthecardwithoutreporting.D)Waitforthebanktonotifythemabouttheissue.(答案：B)3.Thenewbranchin競秀區(qū)isdesignedto______morepersonalizedfinancialservicesforsmallbusinesses.A)replaceB)supplementC)limitD)overlook(答案：B)4.Despiteeconomicfluctuations,平安銀行’screditriskmanagementremains______duetoitsadvancedriskassessmentsystem.A)unpredictableB)rigidC)flexibleD)unreliable(答案：C)5.Howoftendoes平安銀行updateitsmobileapptoimproveuserexperience?A)OnceayearB)EverysixmonthsC)QuarterlyD)Monthly(答案：B)6.Thebank’scustomerserviceteamin保定市emphasizes______tosolveproblemsefficiently.A)complexityB)patienceC)indifferenceD)urgency(答案：B)7.Whichofthefollowingisacommonfeatureof平安銀行’sonlinebankingplatform?A)LimitedtransactionlimitsB)ManualdocumentsubmissionC)Real-timetransactionalertsD)Mandatoryin-personverification(答案：C)8.Theeconomicgrowthin競秀區(qū)has______thedemandforhomeloansin平安銀行.A)decreasedB)stabilizedC)increasedD)fluctuated(答案：C)9.Whatdoes"KYC"standforinthebankingindustry?A)KnowYourCustomerB)KeyYieldCurveC)KnowledgeableClientD)凱子（開玩笑）(答案：A)10.平安銀行oftencollaborateswithlocalgovernmentsin保定市to______communitydevelopmentprojects.A)hinderB)supportC)criticizeD)ignore(答案：B)二、完形填空（共5題，每題2分）說明：以下文章圍繞銀行業(yè)數(shù)字化轉(zhuǎn)型和客戶服務展開，需結(jié)合上下文選擇最佳選項。TheDigitalTransformationofBankinginBaodingThebankingindustryinBaoding,especiallyintheJingshouDistrict,hasundergonesignificantchangesinrecentyears.Withtheriseoffintech,traditionalbankslikePingAnBankareforcedtoadapttonewtechnologies.Thedigitaltransformationhasnotonlyimprovedefficiencybutalsoenhancedcustomerexperience.1.______,manycustomersnowpreferonlinebankingforitsconvenience.A)HoweverB)ThereforeC)MoreoverD)Despite(答案：A)2.ThebankhasinvestedheavilyinAI-poweredchatbotsto______customerinquiries24/7.A)ignoreB)addressC)delayD)deny(答案：B)3.Whiledigitalservicesarepopular,someelderlycustomersstillrelyonface-to-faceinteractions.A)yetB)butC)soD)for(答案：A)4.Toensuredatasecurity,平安銀行hasimplementedmulti-layeredencryptionprotocols.A)AdditionallyB)ConsequentlyC)NeverthelessD)Therefore(答案：D)5.Thecollaborationbetweenbanksandlocalgovernmentshasboostedeconomicgrowthintheregion.A)strengthensB)weakensC)ignoresD)neglects(答案：A)三、閱讀理解（共5題，每題2分）說明：以下文章涉及銀行業(yè)合規(guī)經(jīng)營和風險控制，需根據(jù)文意選擇最佳答案。ComplianceandRiskManagementinCommercialBankingPingAnBank,likeotherfinancialinstitutions,adherestostrictregulatorystandardstominimizerisks.InBaoding,thebank’sriskmanagementteamfocusesoncreditassessment,frauddetection,andliquiditymanagement.CompliancewithlawssuchastheAnti-MoneyLaundering(AML)Actismandatory.1.WhatistheprimarygoalofAMLcompliance?A)TomaximizeprofitsB)ToreduceoperationalcostsC)TopreventillegalfinancialactivitiesD)Toincreasecustomerbase(答案：C)2.HowdoesPingAnBankassesscreditrisk?A)ByrelyingsolelyoncustomertestimonialsB)ThroughadvanceddataanalyticsC)ByignoringcredithistoryD)Bymanualverificationonly(答案：B)3.Whyisliquiditymanagementimportantforbanks?A)ItreducestheneedfordepositsB)ItensuresfundsareavailableforemergenciesC)ItincreasesinterestratesD)Itlowersregulatoryscrutiny(答案：B)4.Whatdoesthearticlesuggestaboutbanksin競秀區(qū)?A)Theyarepoorlyregulated.B)Theyprioritizeinnovationovercompliance.C)Theyfollowstrictguidelinestooperatesafely.D)Theyavoiddigitaltransformation.(答案：C)5.WhichofthefollowingisNOTariskfactormentionedinthepassage?A)MarketvolatilityB)CybersecuritythreatsC)PoliticalinstabilityD)Customersatisfaction(答案：D)四、翻譯題（共2題，每題5分）說明：需將中文句子翻譯成英文，注意語法和表達準確性。1.平安銀行計劃在競秀區(qū)開設(shè)一家新的智慧銀行，以提供更便捷的金融服務。(答案：PingAnBankplanstoopenanewsmartbankinJingshouDistricttoprovidemoreconvenientfinancialservices.)2.銀行客戶服務團隊強調(diào)與客戶保持溝通，及時解決他們的疑問。(答案：Thebank’scustomerserviceteamemphasizescommunicationwithclientstoaddresstheirconcernspromptly.)五、寫作題（1題，10分）說明：根據(jù)以下話題寫一篇短文（100-120詞），內(nèi)容包括銀行數(shù)字化轉(zhuǎn)型對客戶的影響。Topic:TheImpactofDigitalBankingonCustomerExperience(答案參考：Theriseofdigitalbankinghasrevolutionizedhowcustomersinteractwithfinancialinstitutions.PingAnBank’sonlineplatform,forinstance,offers24/7services,makingtransactionseffortless.However,somecustomersstillprefertraditionalmethods.Banksmustbalancetechnologyandhumantouchtomeetdiverseneeds.Overall,digitalbankingenhancesefficiencybutrequirescontinuousimprovementtoensureinclusivity.)答案與解析一、單選題答案與解析1.A)revolutionized解析：Fintech（金融科技）通過技術(shù)創(chuàng)新顛覆了傳統(tǒng)銀行業(yè)模式，故選revolutionized（革命化）。2.B)Contactthebranchimmediately解析：銀行規(guī)定客戶發(fā)現(xiàn)賬戶異常應立即聯(lián)系網(wǎng)點，以避免損失。3.B)supplement解析：新網(wǎng)點并非取代舊網(wǎng)點，而是補充服務，滿足中小企業(yè)需求。4.C)flexible解析：平安銀行通過動態(tài)風控系統(tǒng)適應市場變化，故選flexible（靈活）。5.B)Everysixmonths解析：大型銀行通常每半年更新一次APP，以修復漏洞和增加功能。6.B)patience解析：優(yōu)質(zhì)銀行服務強調(diào)耐心解答客戶問題。7.C)Real-timetransactionalerts解析：平安銀行APP提供實時交易提醒，增強安全性。8.C)increased解析：競秀區(qū)經(jīng)濟發(fā)展帶動房貸需求增長。9.A)KnowYourCustomer解析：KYC是反洗錢核心流程，要求了解客戶身份。10.B)support解析：平安銀行與地方政府合作推動社區(qū)發(fā)展。二、完形填空解析1