浦發(fā)銀行長沙市望城區(qū)2025秋招筆試英文行測高頻題含答案題目部分一、選詞填空（共5題，每題2分，共10分）以下每題從備選項(xiàng)中選出一個(gè)最符合句意的單詞填入空格。1.Therapiddevelopmentoffintechhas__________thetraditionalbankingindustrytoinnovateandadapttonewmarket__________.A.forced/challengesB.driven/opportunitiesC.threatened/threatsD.inspired/demands2.AsaleadingbankinCentralChina,SPDBshould__________itsservicequalitytomeetthegrowingneedsofclientsinareaslikeChangsha'sWangchengDistrict.A.enhanceB.diminishC.preserveD.neglect3.Thenewanti-moneylaunderingpolicyrequiresfinancialinstitutionsto__________transactionsmorestrictlytopreventillegalactivities.A.overlookB.regulateC.ignoreD.simplify4.Theeconomic__________insouthernChinahasledtoasurgeindemandforsmallbusinessloansinareaslikeWangcheng.A.stabilityB.fluctuationC.stagnationD.prosperity5.Banksmust__________theirdigitalinfrastructuretostaycompetitiveintheeraofbigdataandAI.A.weakenB.modernizeC.dismantleD.retain二、閱讀理解（共4題，每題3分，共12分）閱讀以下文章，回答問題。Passage:Theriseofdigitalbankinghastransformedthewaypeopleaccessfinancialservices,particularlyinemergingmarketslikeChina.TraditionalbanksinregionssuchasWangcheng,Changsha,faceintensecompetitionfromfintechcompaniesandonlinebankingplatforms.Tosurvive,theymustleveragetechnologywhilemaintainingregulatorycompliance.Forinstance,SPDBhasintroducedAI-drivenriskassessmentsystemstoimproveloanapprovalefficiency.However,challengesremain,includingcybersecurityrisksandtheneedtobridgethedigitaldivideforelderlycustomers.1.Whatisthemainfocusofthepassage?A.Theimpactoffintechontraditionalbanks.B.TheeconomicgrowthinWangcheng.C.SPDB'snewloanpolicies.D.Cybersecuritythreatsinbanking.2.Accordingtothepassage,whatshouldtraditionalbanksdotostaycompetitive?A.Ignoretechnologicaladvancements.B.Focusonlyonruralclients.C.Embracedigitaltransformation.D.Reduceloanapprovaltimes.3.Thephrase"bridgethedigitaldivide"mostlikelymeans__________.A.expandinginternetaccessinruralareas.B.increasingloanamountsforsmallbusinesses.C.reducingfeesforonlinebankingservices.D.trainingemployeestousenewsoftware.4.WhichofthefollowingisNOTmentionedasachallengefortraditionalbanks?A.Regulatorycompliance.B.Cybersecurityrisks.C.Highmarketingcosts.D.Digitalinfrastructureupgrades.三、語句排序（共2題，每題4分，共8分）將下列句子重新排列成連貫通順的段落。GroupA:1.Thisincludesimprovingcustomerserviceandexpandingbranchnetworksinunderservedareas.2.Toachievethis,banksneedtoinvestinemployeetrainingandadoptmoreuser-friendlysystems.3.Thegoalistoenhanceaccessibilityforbothyoungandelderlyclients.4.Forinstance,SPDBhaslaunchedmobilebankingappstailoredtolocalneedsinWangcheng.GroupB:1.Financialinclusioniscriticalforeconomicdevelopment,especiallyinregionslikeWangcheng.2.However,manyresidentsstillrelyontraditionalbankingmethods.3.Digitalbankingsolutionsmustbecomplementedwithofflinesupport.4.Banksmustensurethattheirservicesareinclusiveandaccessibletoalldemographics.四、邏輯判斷（共3題，每題3分，共9分）判斷以下陳述的真假或可能性。1."AllsmallbusinessesinWangchengDistrictbenefitfromlow-interestloansprovidedbySPDB."A.TrueB.FalseC.Uncertain2."Fintechcompanieswillreplacetraditionalbankscompletelyby2030."A.TrueB.FalseC.Uncertain3."Regulatoryscrutinywillreducetheprofitabilityofbanksinthenextdecade."A.TrueB.FalseC.Uncertain五、銀行術(shù)語解釋（共4題，每題3分，共12分）解釋以下與銀行業(yè)相關(guān)的術(shù)語。1.Digitalinclusion2.Risk-basedpricing3.KYC(KnowYourCustomer)4.NetPromoterScore(NPS)六、情景應(yīng)用（共3題，每題4分，共12分）根據(jù)以下情景選擇最合適的銀行服務(wù)或策略。1.AlocalfarmerinWangchengwantstoapplyforaloantoexpandhisricefarmbutlacksacredithistory.Whatserviceshouldthebankprovide?A.Ahigh-interestloanwithstrictcollateralrequirements.B.Agovernment-backedagriculturalloanprogram.C.Amicrofinanceloanwithflexibleterms.D.Acreditcardtobuildhiscreditscore.2.SPDBislaunchinganewmobilebankingappinChangsha.Whichfeatureshouldbeprioritizedtoattractyoungclients?A.Offlinebranchsupportforcashtransactions.B.AI-poweredpersonalizedfinancialadvice.C.High-interestsavingsaccounts.D.Stricttransactionlimitstoensuresecurity.3.AcompanyinWangchengisseekingtoinvestinrenewableenergyprojects.Whattypeoffinancialproductshouldthebankrecommend?A.Ashort-termbusinessloan.B.Agreenbondorsustainability-linkedloan.C.Aventurecapitalfund.D.Afixeddepositwithhighinterestrates.七、簡答題（共2題，每題5分，共10分）1.HowcanbanksinWangchengimprovecustomersatisfactionwhilecomplyingwithnewfinancialregulations?2.Whatarethekeydifferencesbetweentraditionalbankinganddigitalbankinginthecontextofruralareas?八、寫作題（1題，10分）Writeashortessay(150-200words)discussingtheroleofSPDBinsupportingeconomicgrowthinChangsha'sWangchengDistrict,consideringbothchallengesandopportunities.答案與解析部分一、選詞填空答案與解析1.B(driven/opportunities)-解析："Driven"impliesdigitaltransformationmotivatedbymarketdemands,while"opportunities"alignswithfintech'spotentialbenefits.2.A(enhance)-解析：Banksneedtoimproveservicestomeetclientneeds,notdiminishorneglectthem.3.B(regulate)-解析：Anti-moneylaunderingrequiresstricttransactionmonitoring,notoverlookingorignoring.4.B(fluctuation)-解析：EconomicinstabilityinsouthernChinawouldboostloandemand,notstagnationorprosperity.5.B(modernize)-解析：Digitalinfrastructurerequiresmodernization,notweakeningordismantling.二、閱讀理解答案與解析1.A(Theimpactoffintechontraditionalbanks)-解析：ThepassagediscusseshowfintechchallengestraditionalbanksinWangcheng.2.C(Embracedigitaltransformation)-解析：Thetextemphasizestechnologyadoptionaskeytocompetitiveness.3.A(expandinginternetaccessinruralareas)-解析："Digitaldivide"referstounequaldigitalaccess,ofteninruralregions.4.C(Highmarketingcosts)-解析：Notmentionedinthepassage;otherchallengesincluderegulation,cybersecurity,andinfrastructure.三、語句排序答案與解析GroupA(正確順序：2,1,3,4)-解析：Startwiththeaction(2),thenexplainthegoal(1),followedbybroadercontext(3),andconcludewithanexample(4).GroupB(正確順序：1,2,3,4)-解析：Beginwiththeimportanceoffinancialinclusion(1),thenhighlightthegap(2),proposeofflinesupport(3),andsummarize(4).四、邏輯判斷答案與解析1.C(Uncertain)-解析：NotallsmallbusinessesqualifyforSPDB'sloans;qualificationdependsoncreditworthiness.2.B(False)-解析：Fintechwilldisruptbutnotreplacetraditionalbanksinthenearfuture.3.C(Uncertain)-解析：Regulationsmayimpactprofitability,buttheextentisuncertain.五、銀行術(shù)語解釋1.Digitalinclusion-解釋：Ensuringallindividuals,especiallyinunderservedareaslikeWangcheng,haveaccesstodigitalfinancialservices.2.Risk-basedpricing-解釋：Charginginterestratesbasedonaborrower'screditrisk,commoninloanproducts.3.KYC(KnowYourCustomer)-解釋：Aregulatoryprocesstoverifycustomeridentitiesandassessrisksbeforetransactions.4.NetPromoterScore(NPS)-解釋：Measurescustomerloyaltybyaskinghowlikelytheyaretorecommendabank'sservices.六、情景應(yīng)用答案與解析1.B(Agovernment-backedagriculturalloanprogram)-解析：Tailoredforfarmerswithlimitedcredithistory.2.B(AI-poweredpersonalizedfinancialadvice)-解析：Attractstech-savvyyoungclientswithmodernfeatures.3.B(Agreenbondorsustainabilit