興業(yè)銀行鄭州市金水區(qū)2025秋招筆試英語題專練及答案一、詞匯選擇(WordChoice)共5題，每題2分，合計(jì)10分1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.limitedD.supported2.Thenewpolicyaimsto______financialinclusionbyloweringthebarrierstodigitalbankingservices.A.enhanceB.weakenC.ignoreD.delay3.Thebranchmanageremphasizedtheimportanceof______customersatisfactioninthecompetitivebankingmarket.A.prioritizingB.neglectingC.minimizingD.exaggerating4.ThemergerbetweentwomajorbanksinZhengzhou______themarketsharebutreducedoperationalefficiency.A.increasedB.stabilizedC.consolidatedD.declined5.Thebank’sAI-drivencreditassessmentsystem______theriskofdefaultbyanalyzingvastamountsofdata.A.minimizesB.maximizesC.ignoresD.overlooks二、閱讀理解(ReadingComprehension)共4題，每題3分，合計(jì)12分Passage1:Theriseofdigitalbankinghastransformedthewaycustomersinteractwithfinancialinstitutions.Zhengzhou,asahubofeconomicgrowthinCentralChina,hasseenasurgeindemandformobilebankingservices.LocalbankslikeIndustrialBankandChinaMerchantsBankhaveinvestedheavilyindigitalinfrastructuretomeetthisdemand.However,traditionalbanksfacechallengesinadaptingtothisshift.Manyoldercustomersstillpreferface-to-facetransactions,whileyoungerdemographicsfavorconvenienceandspeed.ThesuccessofdigitalbankinginZhengzhouhingesonbalancingthesepreferencesandensuringinclusivefinancialservicesforall.1.Whatisthemainfocusofthepassage?A.TheeconomicgrowthofZhengzhou.B.Thechallengesofdigitalbankingintraditionalbanks.C.Thepreferenceofcustomersformobilebankingservices.D.Theinvestmentindigitalinfrastructurebylocalbanks.2.WhichofthefollowingisNOTmentionedasachallengefortraditionalbanks?A.Oldercustomers’preferenceforface-to-facetransactions.B.Thehighcostofdigitalinfrastructure.C.Thedemandforconvenienceamongyoungerdemographics.D.Theneedtobalancedifferentcustomerpreferences.3.WhatdoesthepassagesuggestaboutthefutureofbankinginZhengzhou?A.Digitalbankingwillcompletelyreplacetraditionalbanking.B.Traditionalbankswillneveradapttodigitaltrends.C.Thesuccessofdigitalbankingdependsoninclusivity.D.Onlylargebankscansucceedinthedigitalera.4.WhichbankisNOTmentionedinthepassage?A.IndustrialBank.B.ChinaMerchantsBank.C.BankofChina.D.ICBC.Passage2:FinancialinclusionisacriticalissueinruralareasofHenanProvince.Manyfarmerslackaccesstobasicbankingservicesduetoremotelocationsandlimiteddigitalinfrastructure.Toaddressthis,thePeople’sBankofChinahaslaunchedinitiativestoexpandruralbankingnetworks.Theseprogramsincludesettingupmobilebankingvansandtraininglocalagentstoassistfarmers.Thegoalistoprovideaffordablefinancialservices,suchassavingsaccountsandmicroloans,tounderservedpopulations.Preliminaryresultsshowasignificantincreaseinbankaccountownershipinruralareas,butchallengesremaininmaintaininglong-termsustainability.5.WhatistheprimarypurposeofthePeople’sBankofChina’sinitiatives?A.Toincreaseprofitsforbanksinruralareas.B.Topromotefinancialinclusionamongfarmers.C.Toreplacetraditionalbankingwithmobilebanking.D.Totrainfarmerstobecomebankemployees.三、語法填空(GrammarCloze)共5題，每題2分，合計(jì)10分1.ThenewbranchinZhengzhou______byateamofexperiencedbankerswhounderstandthelocalmarket.______itopenedlastyear,ithasgainedalargecustomerbase.2.Financialtechnologyhas______(change)thewaypeoplemanagetheirmoney,makingtransactionsfasterandmoresecure.3.Customersshould______(careful)reviewthetermsandconditionsbeforesigninganybankingagreement.4.Thebank’scustomerserviceteamisalwaysavailableto______(assist)clientswiththeirfinancialneeds.5.Ifyou______(lose)yourbankcard,youshouldreportitimmediatelytopreventfraud.四、翻譯填空(TranslationCloze)共5題，每題2分，合計(jì)10分TranslatethefollowingsentencesintoEnglish,fillingintheblankswithappropriatewords.1.為了提高客戶滿意度，銀行加強(qiáng)了員工培訓(xùn)，確保他們能夠提供高質(zhì)量的服務(wù)。To______customersatisfaction,thebank______itsstafftrainingtoensuretheycanprovidehigh-qualityservice.2.隨著經(jīng)濟(jì)復(fù)蘇，銀行計(jì)劃在鄭州市金水區(qū)開設(shè)三家新分行。Withthe______oftheeconomy,thebankplanstoopenthreenewbranchesinZhengzhou’sJinshuiDistrict.3.數(shù)字化轉(zhuǎn)型是銀行業(yè)發(fā)展的必然趨勢，銀行必須積極應(yīng)對(duì)。Digitaltransformationisan______trendinthebankingindustry,andbanksmustactivelyadapt.4.銀行通過大數(shù)據(jù)分析來降低信貸風(fēng)險(xiǎn)，確保資金安全。Thebank______creditriskbyanalyzingbigdata,ensuring______safety.5.客戶可以通過手機(jī)銀行隨時(shí)隨地管理自己的賬戶。Customerscan______theiraccountsanytime,anywherethroughmobilebanking.五、完形填空(ClozeTest)共5題，每題2分，合計(jì)10分Readthepassageandchoosethebestwordtofillineachblank.ThebankingsectorinZhengzhouhasbeenevolvingrapidlyinrecentyears.______(1)theriseoffintech,traditionalbankshavehadtoinnovatetostaycompetitive.Manyhaveinvestedindigitalplatformsto______(2)customerexperience.Forexample,IndustrialBanklaunchedamobileappthatallowsuserstotransfermoney______(3)withoutfees.Additionally,bankshavebeen______(4)toofferpersonalizedfinancialadvicebasedoncustomerdata.Despitetheseefforts,challengesremain,suchasensuringcybersecurityand______(5)financialliteracyamongtheelderly.ThefutureofbankinginZhengzhouwilllikelydependonhowwelltheseinstitutionsadapttochangingtrends.1.A.WithB.WithoutC.BecauseofD.Despite2.A.improveB.weakenC.ignoreD.delay3.A.quicklyB.convenientlyC.expensivelyD.reluctantly4.A.willingB.reluctantC.forcedD.hesitant5.A.improvingB.reducingC.ignoringD.delaying答案及解析一、詞匯選擇1.A.forced(迫使)解析：fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)進(jìn)行創(chuàng)新和適應(yīng)。2.A.enhance(增強(qiáng))解析：新政策旨在增強(qiáng)金融包容性，降低數(shù)字銀行服務(wù)的門檻。3.A.prioritizing(優(yōu)先考慮)解析：分行經(jīng)理強(qiáng)調(diào)優(yōu)先考慮客戶滿意度在競爭激烈的銀行市場中至關(guān)重要。4.C.consolidated(合并)解析：兩家大型銀行的合并合并了市場份額，但降低了運(yùn)營效率。5.A.minimizes(最小化)解析：銀行的人工智能驅(qū)動(dòng)的信用評(píng)估系統(tǒng)通過分析大量數(shù)據(jù)最小化違約風(fēng)險(xiǎn)。二、閱讀理解1.C.Thepreferenceofcustomersformobilebankingservices.解析：文章主要討論了客戶對(duì)移動(dòng)銀行服務(wù)的偏好及其對(duì)傳統(tǒng)銀行的影響。2.B.Thehighcostofdigitalinfrastructure.解析：文章未提及傳統(tǒng)銀行面臨的挑戰(zhàn)包括數(shù)字基礎(chǔ)設(shè)施的高成本。3.C.Thesuccessofdigitalbankingdependsoninclusivity.解析：文章指出數(shù)字銀行的成功取決于服務(wù)所有客戶群體的包容性。4.C.BankofChina.解析：文章僅提到了IndustrialBank和ChinaMerchantsBank，未提及BankofChina。5.B.Topromotefinancialinclusionamongfarmers.解析：中國人民銀行啟動(dòng)這些計(jì)劃的主要目的是促進(jìn)農(nóng)村農(nóng)民的金融包容性。三、語法填空1.isrun/Since解析：ThenewbranchinZhengzhouisrunbyateamofexperiencedbankerswhounderstandthelocalmarket.Sinceitopenedlastyear,ithasgainedalargecustomerbase.2.haschanged解析：Financialtechnologyhaschangedthewaypeoplemanagetheirmoney,makingtransactionsfasterandmoresecure.3.carefully解析：Customersshouldcarefullyreviewthetermsandconditionsbeforesigninganybankingagreement.4.assist解析：Thebank’scustomerserviceteamisalwaysavailabletoassistclientswiththeirfinancialneeds.5.lose解析：Ifyouloseyourbankcard,youshouldreportitimmediatelytopreventfraud.四、翻譯填空1.Toimprove/hasstrengthened解析：Toimprovecustomersatisfaction,thebankhasstrengtheneditsstafftrainingtoensuretheycanprovidehigh-qualityservice.2.recovery解析：Withtherecoveryoftheeconomy,thebankplanstoopenthreenewbranchesinZhengzhou’sJinshuiDistrict.3.inevitable解析：Digitaltransformationisaninevitabletrendinthebankingindustry,andbanksmustactivelyadapt.4.reduces/financial解析：Thebankreducescreditriskbyanalyzingbigdata,ensuringfinancialsafety.5.manage解析：Customerscanman