廣發(fā)銀行盤(pán)錦市興隆臺(tái)區(qū)2025秋招筆試英語(yǔ)題專練及答案第一部分：閱讀理解（共10題，每題2分，合計(jì)20分）說(shuō)明：以下文章節(jié)選自金融行業(yè)相關(guān)報(bào)道，結(jié)合盤(pán)錦地區(qū)經(jīng)濟(jì)特點(diǎn)，考察考生對(duì)細(xì)節(jié)、主旨和推理的理解能力。Passage1(5題)Instructions:Choosethebestanswer(A,B,C,orD)foreachquestionbasedonthepassage.TheImpactofDigitalBankingonRuralEconomiesinNortheastChinaDigitalbankinghasbeentransformingthefinanciallandscapeinNortheastChina,particularlyinareaslikePanjinXinglongtaiDistrict,wheretraditionalbankinginfrastructurehashistoricallylaggedbehindurbancenters.Accordingtoa2024reportbytheBankofChina,digitalfinancialserviceshaveincreasedruralcreditpenetrationby15%intheregionsince2020.Thisgrowthisdrivenbyseveralfactors.First,thegovernment’sruralrevitalizationstrategyhasprioritizedexpandingdigitalpaymentnetworks,makingservicesmoreaccessible.Second,youngergenerationsinPanjinaremoretech-savvy,adoptingmobilebankingappsatafasterratethantheirparents.Third,institutionslikeGuangfaBankhavelaunchedtailoredproducts,suchasmicro-loansforlocalfarmers,toaddressspecificregionalneeds.However,challengesremain.Internetpenetrationinsomeremotevillagesremainslow,andolderresidentsstrugglewithdigitalliteracy.Banksarenowinvestinginofflinetrainingprogramstobridgethisgap.Questions:1.WhatistheprimarydriverofcreditgrowthinruralNortheastChina?A.IncreasedurbanmigrationB.GovernmentsubsidiesC.DigitalbankingexpansionD.Traditionalbankbranches2.HowdoyoungerresidentsinPanjincontributetodigitalbankingadoption?A.Theyprefercashtransactions.B.Theyaremoreresistanttotechnology.C.Theyusemobileappsmorefrequently.D.Theylacktrustindigitalservices.3.Accordingtothepassage,whatisamajorchallengefordigitalbankinginremoteareas?A.HighfeesfordigitalservicesB.LimitedinternetaccessC.ExcessivegovernmentregulationD.Lackofbankinginfrastructure4.WhichofthefollowingisanexampleofatailoredproductbyGuangfaBank?A.CorporateloansforfactoriesB.HomemortgagesforurbanresidentsC.Micro-loansforfarmersD.Internationalremittances5.Whatdoesthepassagesuggestaboutthefutureofdigitalbankingintheregion?A.Itwilldeclineduetogovernmentpolicies.B.Itwillexpandwithofflinesupportprograms.C.Itwillfocusonlyonurbanareas.D.Itwillreplacetraditionalbankingentirely.Passage2(5題)Instructions:Choosethebestanswer(A,B,C,orD)foreachquestionbasedonthepassage.TheRoleofFinancialLiteracyinSmallBusinessGrowthinPanjinSmallbusinessesinPanjinXinglongtaiDistrictfaceuniquechallenges,includinglimitedaccesstocapitalandinsufficientfinancialknowledge.A2023studybythelocalSmallandMediumEnterpriseAdministrationfoundthat60%ofsmallbusinessownersinthearealackbasicfinancialplanningskills.Thisgaphasledtohighfailurerates,particularlyamongstartups.However,recentinitiativesbyfinancialinstitutionshaveshownpromise.GuangfaBank,forexample,haspartneredwiththedistrict’sentrepreneurshipcentertoofferfreeworkshopsonbudgeting,taxoptimization,andloanapplications.Theseprogramshavehelpedsomebusinessessecurefundingandimproveprofitability.Thegovernmenthasalsointroducedapolicyrequiringbankstoallocate10%oftheirsmallbusinessloanstounderrepresentedsectors,suchaseco-tourisminPanjin’scoastalregions.Whileprogressisslow,theseeffortssuggestthatfinancialeducationcouldbeakeyfactorinfosteringsustainablegrowth.Questions:6.WhatisamajorissueaffectingsmallbusinessesinPanjin?A.ExcessivecompetitionB.LackoffinancialknowledgeC.GovernmentoverregulationD.Highoperatingcosts7.HowhasGuangfaBankcontributedtosmallbusinessdevelopment?A.Byimposingstricterloanrequirements.B.Byofferingfreefinancialtraining.C.Byfocusingonlyonlargeenterprises.D.Byreducinginterestratesforallborrowers.8.Accordingtothepassage,whatisagovernmentpolicyaimedatsupportingsmallbusinesses?A.TaxincentivesfortechstartupsB.MandatoryfinancialliteracycoursesC.Preferentialloanallocationforeco-tourismD.Increasedminimumwagerequirements9.WhatdoesthepassagesuggestaboutthefutureofsmallbusinessesinPanjin?A.Theywilldeclineduetolackoffunding.B.Theywillgrowwithfinancialeducation.C.Theywillfocusonlyonurbanmarkets.D.Theywillrelysolelyongovernmentsupport.10.Whyisfinancialliteracyimportantforsmallbusinessowners?A.Ithelpsthemavoidlegalpenalties.B.Itimprovestheirchancesofsecuringloans.C.Itreducestheirrelianceongovernmentaid.D.Itincreasestheirprofitsautomatically.第二部分：完形填空（共10題，每題1分，合計(jì)10分）Instructions:Fillineachblankwiththebestword(A,B,C,orD)fromtheoptionsprovided.TheEvolutionofBankinginNortheastChinaBankinginNortheastChinahasundergonesignificantchangesoverthepastdecade.Withtheriseofdigitaltechnologies,traditionalfinancialinstitutionshavehadtoadapttoremaincompetitive.(1)________,banksinregionslikePanjinXinglongtaihaveembraceddigitaltransformationmoreslowlythanthoseincoastalareas.However,recentgovernmentpolicieshaveencouragedinnovation.Forinstance,the(2)________introducedapilotprogramtopromotemobilebankinginruralareas.Thisprogramhasbeenparticularlysuccessfulinregionswithhighagriculturaloutput,suchasPanjin’srice-producingdistricts.Oneofthekeychallengeshasbeen(3)________digitalliteracyamongolderpopulations.ManyelderlyfarmersinXinglongtaiareuncomfortablewithsmartphones,whichhaslimitedtheiraccesstomodernbankingservices.Toaddressthis,GuangfaBankhas(4)________freetrainingsessionsinlocalvillages.Thesesessionsteachbasicskills,suchastransferringmoneyandpayingbillsonline.Asaresult,moreresidentsarenow(5)________comfortableusingdigitalbankingtools.Despitetheseefforts,theindustrystillfaceshurdles.(6)________,internetconnectivityinsomeremoteareasremainsunreliable,makingdigitalservicesimpractical.Additionally,banksmustbalanceinnovationwith(7)________,ensuringthatnewtechnologiesdonotexcludevulnerablegroups.Thegovernmenthas(8)________regulationstoprotectconsumersfromfraud,butthesemeasuresmustbe(9)________toevolvingthreats.OnlythencanthebankingsectorinNortheastChinatruly(10)________itspotential.WordsforBlanks:1.A.SimilarlyB.IronicallyC.GraduallyD.Exceptionally2.A.MinistryofFinanceB.CentralBankC.ProvincialGovernmentD.DistrictCouncil3.A.ImprovingB.AddressingC.IgnoringD.Overlooking4.A.OrganizedB.IgnoredC.DelayedD.Neglected5.A.becomingB.feelingC.lookingD.remaining6.A.MoreoverB.HoweverC.ThereforeD.Despite7.A.traditionB.regulationC.innovationD.competition8.A.relaxedB.tightenedC.simplifiedD.standardized9.A.flexibleB.rigidC.outdatedD.irrelevant10.A.unlockB.loseC.limitD.ignore第三部分：詞匯填空（共10題，每題1分，合計(jì)10分）Instructions:Fillineachblankwiththebestword(A,B,C,orD)fromtheoptionsprovided.TheFutureofFinancialServicesinPanjinAsPanjinXinglongtaiDistrictcontinuestodevelop,thedemandfor(1)________financialservicesisgrowing.Smallbusinesses,inparticular,need(2)________accesstocapitaltoexpand.Traditionalbankshavelongbeentheprimarysourceoffunding,but(3)________areincreasinglyturningtofintechsolutions.Theseplatformsofferfaster,more(4)________loanapprovalprocesses,whichiscrucialfortime-sensitivebusinesses.Anothertrendistheriseof(5)________banking,wherecustomersinteractwithAI-poweredchatbotsforbasictransactions.Whilethis(6)________convenience,italsoraisesconcernsabout(7)________.Somecustomers,especiallytheelderly,feelthat(8)________serviceislosingitshumantouch.Banksarenowtryingto(9)________thisbalancebyofferinghybridsolutions—combiningdigitaltoolswith(10)________support.WordsforBlanks:1.A.innovativeB.traditionalC.ruralD.urban2.A.immediateB.delayedC.limitedD.expensive3.A.entrepreneursB.consumersC.farmersD.employees4.A.efficientB.complicatedC.slowD.costly5.A.mobileB.onlineC.automatedD.branch-based6.A.providesB.reducesC.eliminatesD.creates7.A.privacyB.securityC.efficiencyD.accessibility8.A.personalizedB.impersonalC.automatedD.manual9.A.maintainB.ignoreC.disruptD.abandon10.A.humanB.technologicalC.financialD.digital第四部分：句子改錯(cuò)（共5題，每題2分，合計(jì)10分）Instructions:Identifytheerrorineachsentenceandcorrectit.1.Thegovernmenthasencouragedbankstoinvestinruralareastoimprovefinancialinclusion.→Error:________→Correction:________2.SmallbusinessownersinPanjinoftenstrugglewithlimitedaccesstocapital,butdigitalbankinghasmadeloansmoreaccessible.→Error:________→Correction:________3.FinancialliteracyprogramshavebeensuccessfulinhelpingfarmersinXinglongtaiDistrictmanagetheirbusinessesbetter.→Error:________→Correction:________4.Internetconnectivityinsomeremotevillagesremainsunreliable,whichmakesdigitalbankingservicesdifficulttouse.→Error:________→Correction:________5.BanksinNortheastChinamustbalanceinnovationwithtraditiontoensurethatnewtechnologiesdonotexcludevulnerablegroups.→Error:________→Correction:________第五部分：翻譯填空（共5題，每題2分，合計(jì)10分）Instructions:TranslatetheChinesesentencesintoEnglish.1.盤(pán)錦市興隆臺(tái)區(qū)的中小企業(yè)通過(guò)數(shù)字銀行獲得了更多發(fā)展機(jī)會(huì)?！鷂_______2.為了提高農(nóng)村居民的金融素養(yǎng)，銀行舉辦了多場(chǎng)免費(fèi)培訓(xùn)課程?！鷂_______3.政府政策鼓勵(lì)銀行向農(nóng)業(yè)領(lǐng)域的小型企業(yè)提供更多貸款?！鷂_______4.數(shù)字化轉(zhuǎn)型是金融機(jī)構(gòu)在東北地區(qū)的長(zhǎng)期挑戰(zhàn)?！鷂_______5.人工智能在銀行業(yè)中的應(yīng)用正在改變客戶服務(wù)模式?！鷂_______答案及解析第一部分：閱讀理解Passage11.C.Digitalbankingexpansion解析：文章第一段明確指出，數(shù)字金融服務(wù)的擴(kuò)張是農(nóng)村信用滲透率提高的主要驅(qū)動(dòng)力。2.C.Theyaremoretech-savvy,adoptingmobilebankingappsatafasterratethantheirparents.解析：第二段提到，年輕一代在盤(pán)錦更擅長(zhǎng)使用技術(shù)，更快地接受移動(dòng)銀行應(yīng)用。3.B.Limitedinternetaccess解析：第三段指出，偏遠(yuǎn)村莊的網(wǎng)絡(luò)覆蓋不足是數(shù)字銀行發(fā)展的主要障礙。4.C.Micro-loansforfarmers解析：第四段提到，廣發(fā)銀行推出針對(duì)當(dāng)?shù)剞r(nóng)民的小額貸款產(chǎn)品。5.B.Itwillexpandwithofflinesupportprograms.解析：最后一段暗示，通過(guò)線下支持計(jì)劃，數(shù)字銀行將在該地區(qū)進(jìn)一步發(fā)展。Passage26.B.Lackoffinancialknowledge解析：第一段指出，60%的小企業(yè)主缺乏基本的財(cái)務(wù)規(guī)劃能力。7.B.Byofferingfreefinancialtraining.解析：第二段提到，廣發(fā)銀行與創(chuàng)業(yè)中心合作提供免費(fèi)財(cái)務(wù)培訓(xùn)。8.C.Preferentialloanallocationforeco-tourism解析：第三段提到，政府要求銀行將10%的小企業(yè)貸款分配給生態(tài)旅游等代表性領(lǐng)域。9.B.Theywillgrowwithfinancialeducation.解析：最后一段暗示，通過(guò)財(cái)務(wù)教育，小企業(yè)將實(shí)現(xiàn)可持續(xù)增長(zhǎng)。10.B.Itimprovestheirchancesofsecuringloans.解析：第一段提到，財(cái)務(wù)知識(shí)有助于小企業(yè)主獲得貸款。第二部分：完形填空1.B.Ironically解析：此處表示“諷刺的是”，與上下文形成對(duì)比。2.A.MinistryofFinance解析：政府機(jī)構(gòu)通常主導(dǎo)此類試點(diǎn)項(xiàng)目。3.B.Addressing解析：銀行需要“解決”老年人數(shù)字素養(yǎng)問(wèn)題。4.A.Organized解析：銀行“組織”了培訓(xùn)課程。5.A.becoming解析：居民逐漸“變得”對(duì)數(shù)字銀行更適應(yīng)。6.D.Despite解析：轉(zhuǎn)折詞“盡管”符合句意。7.B.regulation解析：銀行需平衡“監(jiān)管”與創(chuàng)新。8.A.relaxed解析：政府“放寬”了相關(guān)規(guī)定。9.A.flexible解析：新政策需“靈活”以應(yīng)對(duì)變化。10.A.unlock解析：銀行業(yè)“釋放”其潛力。第三部分：詞匯填空1.A.innovative解析：隨著發(fā)展，對(duì)“創(chuàng)新”金融服務(wù)的需求增加。2.A.immediate解析：小企業(yè)需要“即時(shí)”的