招商銀行濱州市鄒平市2025秋招筆試英語題專練及答案第一部分：選詞填空（共10題，每題1分，共10分）directions:Choosethebestwordtofillineachblankfromthefouroptions(A,B,C,D).1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoadaptorfaceobsolescence.A.forcedB.encouragedC.delayedD.supported2.Asaleadingcommercialbank,ChinaMerchantsBank(CMB)hasalways______innovationinitsbusinessstrategy.A.prioritizedB.neglectedC.underestimatedD.ignored3.ThenewbranchinZoupingaimsto______localSMEsbyofferingtailoredfinancialsolutions.A.excludeB.assistC.competewithD.replace4.Thebank’sdigitalplatformhassignificantly______theefficiencyofcustomerservice.A.improvedB.reducedC.maintainedD.declined5.Understandingthelocalmarketiscrucialforthebank’s______inZouping.A.failureB.successC.expansionD.closure6.The______economicpolicieshaveboostedconsumerconfidenceintheregion.A.restrictiveB.supportiveC.negativeD.stagnant7.Thebank’sriskmanagementteamensuresthatcreditpoliciesare______topreventfraud.A.flexibleB.rigidC.transparentD.ambiguous8.Thebranchmanageremphasizedtheimportanceof______inbuildinglong-termcustomerrelationships.A.efficiencyB.indifferenceC.professionalismD.procrastination9.The______ofnewbankingregulationsrequiresbankstoenhancecompliancemechanisms.A.introductionB.eliminationC.postponementD.revision10.Thebank’ssustainabilityreporthighlightsitseffortsto______environmentalresponsibility.A.ignoreB.minimizeC.maximizeD.neglect第二部分：閱讀理解（共5篇，每篇2題，每題2分，共20分）Passage1Theriseofdigitalbankinghastransformedthewayconsumersinteractwithfinancialinstitutions.TraditionalbankslikeChinaMerchantsBankareadaptingbyintegratingadvancedtechnologiessuchasAIandblockchain.Theseinnovationsnotonlyimproveserviceefficiencybutalsoenhancesecurity.However,theshifttodigitalplatformshasalsoraisedconcernsaboutjobdisplacementanddataprivacy.Thebank’sstrategyistostrikeabalancebetweentechnologicaladvancementandhuman-centricservices.Bydoingso,itaimstoretainitscompetitiveedgeintheevolvingfinanciallandscape.1.Whatisthemainfocusofthepassage?A.ThechallengesofdigitalbankingB.ThebenefitsofdigitalbankingC.TheroleoftechnologyinbankingD.Theimpactofdigitalbankingonemployment2.Whydoesthebankneedtoadapttodigitaltransformation?A.ToreducecostsB.TomeetregulatoryrequirementsC.TostaycompetitiveD.ToexpanditscustomerbasePassage2Zouping,acityinShandongProvince,hasseensignificanteconomicgrowthinrecentyears.Thelocalgovernmenthasimplementedpoliciestoattractbusinesses,particularlyinthemanufacturingandlogisticssectors.ChinaMerchantsBankhasopenedanewbranchinthecitytosupportthesedevelopments.ThebranchoffersspecializedfinancialservicesforSMEs,includingloanprogramsandcashmanagementsolutions.Thismovereflectsthebank’scommitmenttofosteringregionaleconomicdevelopment.However,thesuccessofthebranchdependsonitsabilitytounderstandandmeettheuniqueneedsoflocalbusinesses.1.WhatistheprimarypurposeofthenewbankbranchinZouping?A.TocompetewithotherbanksB.ToservelocalSMEsC.Toexpandthebank’snetworkD.Toattractforeigninvestment2.WhatchallengesmightthebranchfaceinZouping?A.LowdemandforfinancialservicesB.HighcompetitionfromotherbanksC.LackofskilledemployeesD.InadequateinfrastructurePassage3Riskmanagementisacriticalcomponentofbankingoperations.ChinaMerchantsBankhasestablishedarobustriskmanagementframeworktoensurecompliancewithregulatorystandards.Thebankusesadvancedanalyticstoidentifyandmitigatepotentialrisks,includingcreditrisk,marketrisk,andoperationalrisk.Regularauditsandstresstestsfurtherstrengthenitsriskmanagementcapabilities.Bymaintainingastrongriskmanagementsystem,thebankcanprotectitsassetsandensurelong-termstability.However,theincreasingcomplexityoffinancialproductsrequirescontinuousimprovementinriskassessmentmethods.1.Whatisthekeyfocusofthebank’sriskmanagementstrategy?A.MaximizingprofitsB.MinimizingrisksC.ExpandingitsservicesD.Enhancingcustomersatisfaction2.Howdoesthebankassesspotentialrisks?A.ThroughmanualinspectionsB.UsingadvancedanalyticsC.RelyingonexternalauditorsD.IgnoringmarkettrendsPassage4Customerserviceisacornerstoneofthebankingindustry.ChinaMerchantsBankhasinvestedheavilyintrainingitsstafftoprovidehigh-qualityservice.Thebank’scustomerserviceteamistrainedtohandleinquiries,resolveissues,andofferfinancialadvice.Additionally,thebankhasintroducedadigitalchatbottoassistcustomerswithbasicqueries,reducingwaittimes.Despitetheseefforts,thebankrecognizestheimportanceofmaintainingapersonaltouchincustomerinteractions.Balancingefficiencyandempathyiskeytobuildingtrustandloyalty.1.Whatisthemostsignificantchallengeincustomerservice?A.HighcustomerexpectationsB.LackoftrainedstaffC.InadequatetechnologyD.Poormanagement2.Howdoesthebankimprovecustomerservice?A.ByreducingstaffB.ByinvestingintrainingandtechnologyC.ByignoringcustomerfeedbackD.ByincreasingfeesPassage5Sustainabilityhasbecomeamajorfocusforfinancialinstitutionsworldwide.ChinaMerchantsBankhaslaunchedseveralinitiativestopromoteenvironmentalresponsibility.Theseincludegreenfinancingprograms,energy-efficientofficeoperations,andemployeeawarenesscampaigns.Thebank’ssustainabilityreporthighlightsitscommitmenttoreducingcarbonemissionsandsupportingrenewableenergyprojects.Byaligningitsbusinesspracticeswithsustainablegoals,thebankaimstocontributetoglobalenvironmentaleffortswhilemaintainingfinancialstability.However,balancingprofitabilitywithsustainabilityremainsasignificantchallenge.1.Whatistheprimarygoalofthebank’ssustainabilityinitiatives?A.ToincreaseprofitsB.ToreduceenvironmentalimpactC.TomeetregulatoryrequirementsD.Toattractenvironmentallyconsciouscustomers2.Howdoesthebankmeasureitssustainabilityprogress?A.ThroughannualauditsB.BycomparingfinancialperformanceC.BytrackingenvironmentalmetricsD.Byignoringpublicopinion第三部分：完形填空（共1篇，20題，每題1分，共20分）directions:Completethepassagebelowbychoosingthebestwordfromthefouroptions(A,B,C,D)foreachblank.Thebankingindustryisundergoingaperiodofrapidtransformation,drivenbytechnologicaladvancementsandchangingcustomerexpectations.Digitalbankinghasemergedasagame-changer,offeringconvenienceandefficiency.However,traditionalbankslikeChinaMerchantsBankmustadapttostayrelevant.Thekeyliesinintegratingtechnologywhilemaintainingahuman-centricapproach.1.Thepassageprimarilydiscusses______.A.thedeclineoftraditionalbanksB.theimpactofdigitalbankingC.theimportanceofinnovationD.theroleofcustomerservice2.Whatisthemainchallengefortraditionalbanks?A.HighoperatingcostsB.LackoftechnologyC.ChangingcustomerpreferencesD.Governmentregulations3.Howdoesdigitalbankingbenefitcustomers?A.ByreducingfeesB.ByofferingpersonalizedservicesC.Byproviding24/7accessD.Byincreasingcompetition4.Whatstrategyshouldbanksadopt?A.IgnoretechnologicaltrendsB.FocussolelyondigitalplatformsC.BalancetechnologyandhumaninteractionD.Reducestafftocutcosts5.Whyiscustomerserviceimportant?A.ToattractnewcustomersB.TobuildtrustandloyaltyC.ToincreaseprofitsD.Tocomplywithregulations6.Whatdoesthepassagesuggestaboutthefutureofbanking?A.TraditionalbankswilldisappearB.DigitalbankswilldominateC.HybridmodelswillemergeD.Customerpreferenceswillstabilize7.HowdoesChinaMerchantsBankadapttochanges?A.ByinvestinginnewtechnologiesB.ByignoringmarkettrendsC.BycuttingcostsD.Byreducingcustomerservice8.WhatistheroleofAIinbanking?A.ToreplacehumanworkersB.ToimproveefficiencyC.ToincreasefeesD.Toreduceprofits9.Whyissustainabilityimportantforbanks?A.TomeetgovernmentrequirementsB.ToattractenvironmentallyconsciouscustomersC.ToreducetaxesD.Toignorepublicopinion10.Whatisthekeytosuccessinthebankingindustry?A.HighfeesB.InnovationC.LargestaffD.Lowinterestrates11.Howdoesdigitalbankingchangecustomerbehavior?A.BymakingtransactionsmorecomplexB.ByofferingmoreconvenienceC.ByincreasingfeesD.Byreducingtrust12.Whatisthebiggestriskforbanks?A.TechnologicalfailureB.HighcompetitionC.GovernmentpoliciesD.Customerdissatisfaction13.Howdoesabankmaintaincompetitiveness?A.ByreducingservicequalityB.ByfocusingoninnovationC.ByincreasingfeesD.Byignoringcustomerneeds14.Whatistheroleofcomplianceinbanking?A.ToreduceprofitsB.ToensurelegaladherenceC.ToincreasefeesD.Toignorerisks15.Howdoesgreenfinancinghelptheenvironment?A.ByreducingcarbonemissionsB.ByincreasingpollutionC.ByignoringsustainabilityD.Bycuttingcosts16.Whatisthemostimportantskillforbankemployees?A.TechnicalexpertiseB.CommunicationskillsC.SalesabilityD.Accountingknowledge17.Howdoesthebankingindustryadapttoeconomicchanges?A.ByignoringmarkettrendsB.BydiversifyingservicesC.ByreducingstaffD.Byincreasingfees18.Whatistheimpactofdigitalbankingonemployment?A.IncreasedjobopportunitiesB.JobdisplacementC.NochangeinemploymentD.Higherwages19.Howdoesabankmeasuresuccess?A.ByprofitmarginsB.BycustomersatisfactionC.BymarketshareD.Bygovernmentapproval20.Whatisthefutureofbanking?A.TraditionalbankswilldominateB.DigitalbankswillprevailC.HybridmodelswillemergeD.Customerpreferenceswillremainstable第四部分：翻譯（共5題，每題2分，共10分）directions:TranslatethefollowingsentencesintoEnglish.1.招商銀行通過創(chuàng)新金融產(chǎn)品，積極支持中小企業(yè)發(fā)展。2.鄒平市的經(jīng)濟發(fā)展得益于政府出臺的一系列扶持政策。3.銀行的風險管理部門確保信貸政策符合監(jiān)管要求。4.數(shù)字化轉(zhuǎn)型是銀行業(yè)應對市場競爭的關鍵策略。5.銀行致力于構建可持續(xù)發(fā)展的商業(yè)模式。第五部分：寫作（共1題，10分）directions:Writeashortessay(about150words)onthetopic:"TheImportanceofDigitalTransformationintheBankingIndustry."答案及解析第一部分：選詞填空1.A(forced)-Thecontextsuggeststhatfintechhascompelledtraditionalbankstoadapt.2.A(prioritized)-InnovationisakeystrategyforCMB.3.B(assist)-ThebankaimstohelplocalSMEs.4.A(improved)-Digitalplatformsenhanceefficiency.5.B(success)-Understandingthelocalmarketiscrucialforsuccess.6.B(supportive)-Positivepoliciesboostconsumerconfidence.7.C(transparent)-Clearpoliciespreventfraud.8.C(professionalism)-Goodservicebuildslong-termrelationships.9.A(introduction)-Newregulationsrequirecompliance.10.C(maximize)-Thebankaimstoimproveenvironmentalresponsibility.第二部分：閱讀理解Passage11.C(Theroleoftechnologyinbanking)2.C(Tostaycompetitive)Passage21.B(ToservelocalSMEs)2.B(Highcompetitionfromotherbanks)Passage31.B(Minimizingrisks)2.B(Usingadvancedanalytics)Passage41.A(Highcustomerexpectations)2.B(Investingintrainingandtechnology)Passage51.B(Toreduceenvironmentalimpact)2.C(Bytrackingenvironmentalmetrics)第三部分：完形填空1.B(Theimpactofdigitalbanking)2.C(Changingcustomerpreferences)3.C(Byproviding24/7access)4.C(Balancetechnologyandhumaninteraction)5.B(Tobuildtrustandloyalty)6.C(Hybridmodelswillemerge)7.A(Byinvestinginnewtechnologies)8.B(Toimproveefficiency)9.B(Toattractenvironmentallyconsciouscustomers)10.B(Innovation)11.B(Byofferingmoreconvenience)12.B(Highcompetition)13.B(Focusingoninnovation)14.B(Toensurelegaladherence)15.A(Byreducingcarbonemissions)16.B(Communicationskills)17.B(Diversifyingservices)18.B(Jobdisplacement)19.B(Bycustomersatisfaction)20.C(Hybridmodelswillemerge)第四部分：翻譯1.ChinaMerchantsBankactivelysupportsthedevelopmentofSMEsbyinnovatingfinancialproducts.2.Theeconomi