廣發(fā)銀行江門市新會(huì)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）directions:Choosethebestwordtofillineachblank.1.ThebankingsectorinGuangzhouhaswitnessedsignificant______indigitaltransformationoverthepastdecade.A.revolutionB.innovationC.expansionD.fluctuation2.Toenhancecustomerservice,thenewbankingappaimstoprovide______supportacrossmultiplechannels.A.synchronousB.asynchronousC.interactiveD.automated3.TheeconomicpoliciesimplementedbytheGuangdongProvincialGovernmentwill______thegrowthofsmallandmedium-sizedenterprises.A.stimulateB.constrainC.postponeD.marginalize4.Theloanapprovalprocessrequiresborrowerstosubmit______documentationtoverifytheirfinancialstability.A.exhaustiveB.selectiveC.optionalD.preliminary5.Thebank’sriskmanagementteamisworkingto______potentialcreditlossesbydiversifyingitsassetportfolio.A.mitigateB.amplifyC.ignoreD.validate二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagebelowandanswerthequestions.Passage:Therapiddevelopmentoffintechhastransformedthewayfinancialinstitutionsoperate.Traditionalbanksarenowcompetingwithdigital-onlylenders,whichofferfasterandmoreconvenientservices.However,thisshifthasalsoraisedconcernsaboutdatasecurityandregulatorycompliance.Tostaycompetitive,banksmustinvestintechnologicalinnovationwhileensuringrobustriskmanagement.Theintegrationofartificialintelligenceandblockchaintechnologyisbecomingincreasinglycriticalinimprovingefficiencyandcustomerexperience.Yet,thesuccessoftheseinitiativesdependsonthebank’sabilitytoadapttochangingmarketdynamicsandmaintaintrustamongstakeholders.1.Whatisthemainchallengefacedbytraditionalbanksinthefintechera?A.HighoperationalcostsB.RegulatoryhurdlesC.CustomerretentiondifficultiesD.Technologicalobsolescence2.Howcanbanksleveragefintechtoenhancetheirservices?A.ByreducingstaffsalariesB.ByadoptingAIandblockchainC.ByeliminatingphysicalbranchesD.Byincreasinginterestrates3.Accordingtothepassage,whatisessentialforthesuccessoffintechinitiatives?A.GovernmentsubsidiesB.CustomertrustC.Large-scaleadvertisingD.Short-termprofits4.Whatdoesthepassagesuggestaboutthefutureofbanking?A.Digitallenderswillreplacetraditionalbanksentirely.B.Fintechandtraditionalbankswillcoexistharmoniously.C.Thebankingsectorwillbecomelesscompetitive.D.Customerservicewilldeclineduetoautomation.三、完形填空（共5題，每題2分，共10分）directions:Completethepassagewiththebestwordsfromtheoptions.ThebankingindustryinGuangdonghasbeenevolvingrapidly,drivenbytechnologicaladvancementsandchangingconsumerexpectations.Manyfinancialinstitutionsarenowfocusingon______(1)______digitalservicestoattractyoungercustomers.However,thistransformationisnotwithoutchallenges.Banksmustbalanceinnovationwithriskmanagementtoensurelong-termsustainability.Forinstance,theadoptionofmobilebankingappshasincreasedsignificantly,butitalsorequiresstricter______(2)______ofuserdata.Additionally,theriseofcryptocurrencieshaspromptedregulatorstodevelopnewframeworksto______(3)______financialstability.Despitethesehurdles,thefutureofbankinginGuangdonglookspromising,especiallyifinstitutionscaneffectively______(4)______emergingtechnologies.Ultimately,thesuccessofthisdigitalshifthingesonthebank’sabilitytomaintain______(5)______withcustomerswhileadaptingtomarkettrends.1.A.integratingB.replacingC.expandingD.eliminating2.A.protectionB.neglectC.sharingD.mismanagement3.A.preserveB.disruptC.undermineD.ignore4.A.harnessB.dismissC.delayD.resist5.A.relevanceB.conflictC.distanceD.competition四、句子改錯(cuò)（共5題，每題2分，共10分）directions:Identifyandcorrecttheerrorineachsentence.1.Thenewcreditpolicywilltakeeffectfromthebeginningofnextyearandwillbeapplicableforthreeyears.→Corrected:Thenewcreditpolicywilltakeeffectfromthebeginningofnextyearandwillbeapplicablefortwoyears.2.Despitetheeconomicdownturn,thedemandforhomeloansinGuangdonghasremainedrelativelystable.→(Noerror)3.Thebank’sdigitalinfrastructureneedstobeupgradedinordertosupporttheincreasingvolumeofonlinetransactions.→(Noerror)4.Ifaborrowerfailstomeettherepaymentdeadline,theircreditscorewillbeimmediatelyreduced.→Corrected:Ifaborrowerfailstomeettherepaymentdeadline,theircreditscorewillbeloweredimmediately.5.Theregulatoryauthorityhasimposedstrictpenaltiesonfinancialinstitutionsthatarenotcompliantwiththenewguidelines.→(Noerror)五、翻譯填空（共5題，每題3分，共15分）directions:TranslatethefollowingChinesesentencesintoEnglish.1.為應(yīng)對(duì)市場(chǎng)競(jìng)爭(zhēng)，銀行需加強(qiáng)客戶關(guān)系管理。→Tomitigatemarketcompetition,banksneedtostrengthencustomerrelationshipmanagement.2.數(shù)字化轉(zhuǎn)型是銀行提升效率的關(guān)鍵?！鶧igitaltransformationiscrucialforbankstoimproveefficiency.3.新的利率政策將對(duì)房貸客戶產(chǎn)生重大影響?！鶷henewinterestratepolicywillhaveasignificantimpactonmortgagecustomers.4.銀行應(yīng)確保數(shù)據(jù)安全，以保護(hù)客戶隱私?！鶥anksshouldensuredatasecuritytoprotectcustomerprivacy.5.政府出臺(tái)新規(guī)以促進(jìn)中小企業(yè)發(fā)展?！鶷hegovernmenthasintroducednewregulationstopromotethedevelopmentofsmallandmedium-sizedenterprises.六、句子排序（共1題，10分）directions:Arrangethefollowingsentencesinthecorrectlogicalorder.A.Thishasledtoincreaseddemandforflexibleloanterms.B.Thepandemichasreshapedconsumerspendinghabits.C.Asaresult,manybusinessesarestrugglingwithcashflowissues.D.Youngercustomers,inparticular,preferdigital-firstsolutions.E.Financialinstitutionsareadaptingbyofferinginnovativeproducts.Correctorder:B,C,A,D,E答案與解析一、選詞填空1.A.revolution解析：ThebankingsectorinGuangzhouhaswitnessedsignificantrevolutionindigitaltransformationoverthepastdecade."革命性變革"最符合語境，強(qiáng)調(diào)數(shù)字化轉(zhuǎn)型的重大影響。2.B.asynchronous解析：Toenhancecustomerservice,thenewbankingappaimstoprovideasynchronoussupportacrossmultiplechannels."異步支持"指非實(shí)時(shí)服務(wù)，如在線客服留言，更符合銀行業(yè)需求。3.A.stimulate解析：TheeconomicpoliciesimplementedbytheGuangdongProvincialGovernmentwillstimulatethegrowthofsmallandmedium-sizedenterprises."刺激"符合政府扶持中小企業(yè)的政策導(dǎo)向。4.A.exhaustive解析：Theloanapprovalprocessrequiresborrowerstosubmitexhaustivedocumentationtoverifytheirfinancialstability."詳盡的"強(qiáng)調(diào)文件要求嚴(yán)格，符合銀行風(fēng)控邏輯。5.A.mitigate解析：Thebank’sriskmanagementteamisworkingtomitigatepotentialcreditlossesbydiversifyingitsassetportfolio."減輕"符合風(fēng)險(xiǎn)管理的目標(biāo)。二、閱讀理解1.B.Regulatoryhurdles解析：文章指出，傳統(tǒng)銀行面臨的挑戰(zhàn)是"regulatoryhurdles"（監(jiān)管障礙），與fintech的快速發(fā)展形成對(duì)比。2.B.AdoptingAIandblockchain解析：文章提到，銀行可以通過"AIandblockchain"等技術(shù)提升效率，符合金融科技的應(yīng)用方向。3.B.Customertrust解析：文章最后強(qiáng)調(diào)，成功取決于"customertrust"（客戶信任），這是銀行發(fā)展的核心。4.B.Fintechandtraditionalbankswillcoexistharmoniously解析：文章暗示傳統(tǒng)銀行與fintech將"coexistharmoniously"（共存），而非完全取代。三、完形填空1.C.expanding解析："expandingdigitalservices"（擴(kuò)展數(shù)字服務(wù)）符合銀行業(yè)數(shù)字化轉(zhuǎn)型趨勢(shì)。2.A.protection解析："protectionofuserdata"（用戶數(shù)據(jù)保護(hù)）是銀行業(yè)合規(guī)要求。3.A.preserve解析："preservefinancialstability"（維護(hù)