光大銀行哈爾濱市平房區(qū)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）以下句子中劃線部分需要填入最合適的單詞，請選擇正確答案。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoadapttonewchallenges.A.forcedB.encouragedC.limitedD.supported2.To______thegrowingdemandforonlinebankingservices,Harbinbranchneedstoexpanditsdigitalinfrastructure.A.meetB.reduceC.delayD.ignore3.Thebank’scustomersatisfactionsurveyrevealedasignificant______indepositratescomparedtolastquarter.A.increaseB.decreaseC.fluctuationD.stability4.Duetoregulatory______,thebankmustimplementstricteranti-moneylaunderingmeasures.A.relaxationsB.changesC.restrictionsD.reductions5.Thenewmobilebankingappaimsto______userexperiencebysimplifyingtransactionprocesses.A.enhanceB.weakenC.disruptD.replace二、閱讀理解（共4題，每題3分，共12分）閱讀以下短文，回答問題。Passage:ThePeople’sBankofChinarecentlyannouncednewpoliciestosupportsmallandmedium-sizedenterprises(SMEs)inNortheastChina,includingHarbin.Themeasuresincludelowerinterestratesforloanapplicationsandpreferentialtaxincentivestostimulateeconomicgrowthintheregion.Localbanks,suchasEverbrightBank,haverespondedbyincreasingtheirSMElendingquotas.However,challengesremain,suchaslimitedaccesstocapitalforstartupsandhighoperatingcosts.IndustryexpertssuggestthatfurthercollaborationbetweenfinancialinstitutionsandgovernmentagenciesisneededtocreateamoresupportiveenvironmentforSMEs.1.WhatisthemainpurposeofthenewpoliciesannouncedbythePeople’sBankofChina?A.ToreduceinflationinNortheastChina.B.ToencourageSMEdevelopmentintheregion.C.Toincreasetaxrevenueforthegovernment.D.Toimproveforeigntraderelations.2.WhichbankismentionedasincreasingitsSMElendingquotas?A.BankofChina.B.IndustrialandCommercialBankofChina.C.EverbrightBank.D.ChinaMerchantsBank.3.WhatchallengesdoSMEsinHarbinstillface?A.Excessivecompetitionfromlargeenterprises.B.Limitedaccesstocapitalandhighoperatingcosts.C.Governmentrestrictionsonbusinessoperations.D.Insufficientskilledworkforce.4.Accordingtothepassage,whatissuggestedtofurthersupportSMEs?A.Higherinterestratestoreduceborrowingcosts.B.Moregovernmentsubsidiesforlargecorporations.C.Collaborationbetweenfinancialinstitutionsandgovernmentagencies.D.Reducedtaxincentivestoencouragesavings.三、句子改錯（共5題，每題2分，共10分）以下句子中各有一處錯誤，請找出并改正。1.Thebank’sfinancialperformancehasbeenimprovingbecauseofstrictcostcontrolsandefficientriskmanagement.2.Duetotheeconomicdownturn,manycustomershavebeentransferringtheirsavingstomoresecureinvestments.3.Thenewcreditscoringsystemwillbeimplementednationwidestartingfromnextmonth.4.Despitethehighinterestrates,thedemandforhomeloansremainsstronginHarbin.5.Thebankplanstoexpanditsbranchnetworkinruralareastobetterserveunderservedcommunities.四、翻譯填空（共5題，每題2分，共10分）將以下中文句子翻譯成英文，并填入括號內(nèi)。1.為支持哈爾濱市經(jīng)濟(jì)發(fā)展，光大銀行計劃提供更多優(yōu)惠貸款。Thebankplanstoprovide______loanstosupporttheeconomicdevelopmentofHarbin.2.由于監(jiān)管政策的變化，銀行需要調(diào)整其風(fēng)險管理策略。Duetochangesin______,thebankneedstoadjustitsriskmanagementstrategies.3.新的智能柜員機(jī)可以24小時自助服務(wù)，方便客戶辦理業(yè)務(wù)。ThenewintelligentATMallows______toconducttransactionsatanytime.4.為了提高客戶滿意度，銀行開展了多項服務(wù)升級活動。Toimprovecustomersatisfaction,thebankhaslaunched______toenhanceservicequality.5.中國人民銀行的數(shù)據(jù)顯示，2024年黑龍江省的信貸增速明顯放緩。AccordingtothePeople’sBankofChina,thecreditgrowthrateinHeilongjiangProvince______significantlyin2024.五、完形填空（共5題，每題2分，共10分）閱讀以下短文，選擇最合適的單詞填入空格。ThebankingsectorinHarbinhasbeenevolvingrapidlyinrecentyears,withdigitaltransformationplayingakeyrole.Traditionalbanks,suchasBankofHarbin,areadoptingadvancedtechnologieslikeartificialintelligenceandblockchaintoimproveserviceefficiency.Meanwhile,fintechcompaniesaregainingtractionbyofferinginnovativesolutions,suchasmobilepaymentplatformsandonlinelendingservices.However,challengesremain,includingcybersecurityrisksandregulatorycompliance.Tothriveinthiscompetitivelandscape,banksmustcontinuetoinnovatewhileensuringstabilityandsecurity.1.ThebankingsectorinHarbinis______bydigitaltransformation.A.drivenB.hinderedC.supportedD.neglected2.Whichtechnologyismentionedasimprovingserviceefficiency?A.BigdataanalyticsB.ArtificialintelligenceC.CloudcomputingD.Virtualreality3.Fintechcompaniesareofferingsolutionssuchas______.A.wealthmanagementplansB.mobilepaymentplatformsC.stocktradingservicesD.insurancepolicies4.Whatisamajorconcernforbanksinthisindustry?A.HighemployeeturnoverB.CybersecurityrisksC.LowcustomerretentionD.Inadequatefunding5.Tosucceedinthebankingmarket,institutionsmust______.A.focusonlyonshort-termprofitsB.ignoreregulatoryrequirementsC.innovatewhileensuringstabilityD.reducetheirworkforce答案與解析一、選詞填空1.A.forced解析：fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)應(yīng)對挑戰(zhàn)，"forced"表示"迫使"。2.A.meet解析：銀行需要滿足日益增長的在線服務(wù)需求，"meet"表示"滿足"。3.A.increase解析：調(diào)查顯示存款利率顯著上升，"increase"表示"上升"。4.C.restrictions解析：監(jiān)管政策要求銀行加強(qiáng)反洗錢措施，"restrictions"表示"限制"。5.A.enhance解析：新APP旨在提升用戶體驗，"enhance"表示"提升"。二、閱讀理解1.B.ToencourageSMEdevelopmentintheregion.解析：文章首句明確指出政策旨在支持東北中小企業(yè)發(fā)展。2.C.EverbrightBank.解析：文中提到光大銀行（EverbrightBank）增加對中小企業(yè)的貸款額度。3.B.Limitedaccesstocapitalandhighoperatingcosts.解析：文章第三句指出中小企業(yè)面臨資金獲取難和運營成本高的問題。4.C.Collaborationbetweenfinancialinstitutionsandgovernmentagencies.解析：專家建議金融機(jī)構(gòu)與政府部門加強(qiáng)合作以支持中小企業(yè)。三、句子改錯1."hasbeenimproving"→"hasimproved"解析：時間狀語"becauseof"表示原因，應(yīng)使用一般現(xiàn)在時。2."transferring"→"havetransferred"解析：主語"manycustomers"是復(fù)數(shù)，謂語需用現(xiàn)在完成時。3."startingfromnextmonth"→"startingnextmonth"解析："startingfrom"多余，直接用"starting"即可。4."highinterestrates"→"lowinterestrates"解析：原文邏輯矛盾，經(jīng)濟(jì)下行時利率通常較低，此處應(yīng)為"low"。5."expanditsbranchnetwork"→"expandsitsbranch