廣發(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一、選詞填空（共5題，每題2分，共10分）1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapttothedigitalera.A.compelledB.facilitatedC.marginalizedD.revolutionized2.InthecontextoftheYangtzeRiverEconomicBeltstrategy,thegovernmentis______policiestosupportgreenenergyprojectsinHunanProvince.A.formulatingB.implementingC.compromisingD.delegating3.ThenewbranchinWangchengDistrictaimsto______localbusinessesbyofferingcustomizedfinancialservices.A.facilitateB.hinderC.optimizeD.regulate4.Giventhecurrenteconomicclimate,thebankisfocusingon______non-performingloanstominimizefinancialrisks.A.reducingB.expandingC.diversifyingD.prioritizing5.Thedigitalwalletinitiativeisexpectedto______customerengagementbyprovidingseamlesspaymentsolutions.A.enhanceB.diminishC.postponeD.neglect二、閱讀理解（共4題，每題3分，共12分）Passage:ThePeople'sBankofChinarecentlyintroducedstrictercapitaladequacyrequirementsforcommercialbanks,aimingtoenhancefinancialstability.Thismovehassparkeddebatesamongindustryexperts.Proponentsarguethattheregulationwillreducesystemicrisksandimproveliquidity,whilecriticsclaimitmayconstrainlendinggrowth.ForbanksinChangsha,particularlythoseoperatinginemergingmarketslikeWangchengDistrict,theimpactcouldbesignificant.Thecity'seconomyreliesheavilyonsmallandmediumenterprises(SMEs),whichmayfacetightercreditconditions.However,thebank'sdigitaltransformationeffortscouldhelpmitigatethesechallengesbyleveragingfintechsolutions.6.WhatisthemainpurposeofthePBOC'snewregulation?A.TopromoteSMEdevelopmentB.TostrengthenfinancialstabilityC.ToencouragecapitaloutflowD.Toboostdigitalbanking7.HowmighttheregulationaffectbanksinWangchengDistrict?A.Itwillincreasetheirliquidity.B.ItmaylimittheirlendingtoSMEs.C.Itwillrequirethemtoinvestmoreinfintech.D.Itwillreducetheircapitaladequacyratios.8.Whatisthekeydisagreementamongexpertsregardingtheregulation?A.Whetheritwillimprovefinancialstability.B.Whetheritwillharmlendinggrowth.C.Whetheritwillbenefitlargebanksmore.D.Whetheritwillbeimplementednationwide.9.Whatsolutiondoesthepassagesuggestforbankstoadapttothenewregulation?A.Reducingnon-performingloans.B.Increasingcapitalreserves.C.Leveragingfintechsolutions.D.Expandingbranchnetworks.三、語句排序（共3題，每題3分，共9分）Group1:①Thebankplanstoopenanewbranchinthecentralbusinessdistrict.②Thiswillattractmorecustomersandboostrevenue.③Itwillalsoenhancethebank'smarketpresence.④Thelocationisstrategicallychosentoservethegrowingdemandforfinancialservices.Group2:①TheprojectinvolvesbuildingasmartbankwithAI-poweredservices.②Itaimstoimprovecustomerexperienceandefficiency.③Thebankhasallocatedabudgetof50millionyuanforthisinitiative.④Thenewfacilitywillincludeself-servicekiosksandmobilebankingintegration.Group3:①Thepolicyencouragesbankstoinvestingreenfinanceprojects.②Itincludestaxincentivesforenvironmentallyfriendlyinitiatives.③Thisalignswiththebank'scommitmenttosustainabledevelopment.④Thebankhasalreadylaunchedseveralgreencreditprograms.四、邏輯推理（共4題，每題3分，共12分）10.Ifthebankimplementsacashlesspolicy,whichofthefollowingismostlikelytohappen?A.Customerfoottrafficwillincrease.B.Digitaltransactionswillrise.C.Branchclosureswillaccelerate.D.Traditionalbankingwilldisappear.11.Giventhatthebank'sprofitmarginshavedeclined,whichstrategyisleastlikelytohelp?A.Reducingoperationalcosts.B.Expandingintowealthmanagement.C.Increasingloaninterestrates.D.Improvingcustomerretention.12.Ifthegovernmentraisesinterestrates,whichsectorwillbemostaffected?A.Realestatedevelopers.B.Retailbusinesses.C.Technologystartups.D.Governmentcontractors.13.Whichofthefollowingisanindirectbenefitofthebank'sdigitaltransformation?A.Reducedpaperwork.B.Lowercompliancecosts.C.Increasedregulatoryscrutiny.D.Betterriskmanagement.五、完形填空（共5題，每題2分，共10分）ThebankingsectorinHunanProvinceisundergoingasignificanttransformation.Withtheriseofdigitalfinance,traditionalbankslikeoursmust______(1)tostaycompetitive.TheYangtzeRiverEconomicBeltinitiativehasfurther______(2)theneedforinnovation.Ourrecent______(3)ofamobilebankingapphasbeen______(4)successful,attractingover100,000usersinthefirstquarter.However,challengesremain.Cybersecuritythreats______(5)thebank'sabilitytoprovideuninterruptedservices.1.A.adaptB.resistC.ignoreD.oppose2.A.emphasizedB.neglectedC.delayedD.weakened3.A.launchB.cancelC.postponeD.expand4.A.initiallyB.graduallyC.exceptionallyD.reluctantly5.A.limitsB.enhancesC.threatensD.supports答案與解析一、選詞填空1.A.compelled（迫使）解析：Fintech的快速發(fā)展迫使傳統(tǒng)銀行業(yè)必須創(chuàng)新以適應(yīng)數(shù)字化時代。2.A.formulating（制定）解析：在長江經(jīng)濟帶戰(zhàn)略背景下，政府正制定支持湖南省綠色能源項目的政策。3.A.facilitate（促進）解析：新分行旨在通過提供定制化金融服務(wù)促進本地企業(yè)發(fā)展。4.A.reducing（減少）解析：鑒于當(dāng)前經(jīng)濟形勢，銀行正著力減少不良貸款以降低金融風(fēng)險。5.A.enhance（增強）解析：數(shù)字錢包計劃有望通過提供無縫支付解決方案增強客戶互動。二、閱讀理解6.B.tostrengthenfinancialstability（加強金融穩(wěn)定）解析：文章明確指出PBOC的新規(guī)旨在提升金融穩(wěn)定性。7.B.itmaylimittheirlendingtoSMEs（可能限制對中小企業(yè)的放貸）解析：文章提到城市經(jīng)濟依賴中小企業(yè)，新規(guī)可能收緊信貸條件。8.B.whetheritwillharmlendinggrowth（是否會影