招商銀行福州市倉山區(qū)2025秋招筆試英語題專練及答案Part1:ReadingComprehension(閱讀理解)共5題，每題2分，合計10分Passage1Thefinancialtechnology(FinTech)sectorhasbeenrevolutionizingthebankingindustry,especiallyinregionslikeFuzhou,whererapidurbanizationanddigitaladoptionaredrivinginnovation.In2024,Fuzhou'sFinTechclustergrewby35%,outpacingnationalaverages,thankstosupportivepoliciesfromthelocalgovernment.CompanieslikeAntGroupandTencenthaveestablishedR&Dcentersinthecity,focusingonmobilepayments,AI-drivencreditassessment,andblockchainapplications.ForbankslikeChinaMerchantsBank(CMB),whichhasasignificantpresenceinFuzhou,leveragingFinTechisnolongeroptionalbutessential.CMB’scollaborationwithlocaltechfirmshasenabledittolaunchacontactlesspaymentsystemthatincreasedtransactionefficiencyby40%inthefirstquarterof2025.However,challengesremain,suchasdatasecurityconcernsandregulatorycomplianceintherapidlyevolvingdigitallandscape.Questions:1.WhatistheprimarydriverofFuzhou’sFinTechgrowth?A.GovernmentsubsidiesB.PopulationincreaseC.DigitaladoptionandurbanizationD.Foreigninvestment2.WhichbankismentionedasactivelycollaboratingwithlocalFinTechfirms?A.ICBCB.CMBC.BOCCD.PBOC3.Accordingtothepassage,whatisonechallengefacedbybanksinFuzhou’sFinTechsector?A.LackofskilledworkersB.DatasecurityandregulationC.HighoperationalcostsD.Limitedcustomerbase4.HowhasCMB’scontactlesspaymentsystemimpacteditsoperations?A.ReducedtransactionvolumeB.Increasedefficiencyby40%C.DecreasedcustomersatisfactionD.Ledtohigherfees5.WhatdoesthepassagesuggestaboutthefutureofFinTechinFuzhou?A.Itwillstagnateduetocompetition.B.Itwillcontinuetogrowwithsupportfromtechgiants.C.Itwilldeclineastraditionalbanksdominate.D.Itwillfocussolelyonmobilepayments.Part2:Vocabulary(詞匯題)共10題，每題1分，合計10分Instructions:Choosethebestwordtofillintheblank.1.ThenewFinTechregulationsaimto______financialfraudandprotectconsumerdata.A.mitigateB.exacerbateC.optimizeD.automate2.The______growthofdigitalbankinginSoutheastAsiahasattractedglobalattention.A.stagnantB.exponentialC.marginalD.negligible3.LocalbanksinFuzhouareinvestingheavilyin______toimprovecustomerservice.A.infrastructureB.redundancyC.bureaucracyD.inflation4.The______ofblockchaintechnologyinsupplychainmanagementhasstreamlinedlogistics.A.implementationB.irrelevanceC.inefficiencyD.irrelevance5.Duetomarket______,thebankhadtoreviseitsprofitprojections.A.volatilityB.stabilityC.stagnationD.prosperity6.The______loansystemusesAItoassesscreditworthinessinreal-time.A.automatedB.manualC.traditionalD.conservative7.The______economicpolicieshaveboostedconsumerconfidenceinFuzhou.A.restrictiveB.supportiveC.punitiveD.ambiguous8.Thebank’s______strategyfocusesondigitaltransformationandsustainability.A.aggressiveB.passiveC.conservativeD.neutral9.The______ofdigitalpaymentsystemshasreducedcashtransactionsinurbanareas.A.penetrationB.rejectionC.declineD.resistance10.The______marketinFuzhouhasseenasurgeindemandforfinancialservices.A.underdevelopedB.oversaturatedC.emergingD.maturePart3:Grammar(語法題)共5題，每題2分，合計10分Instructions:Identifytheerrorinthefollowingsentencesorchoosethecorrectsentenceifnoerrorexists.1.Theteamisworkinghardtomeettheprojectdeadline,buttheywillneedadditionalresources.A.NoerrorB."they"shouldbe"it"C."hard"shouldbe"hardly"D."additional"shouldbe"further"2.IftheFinTechregulationswerestricter,morebankswouldhaveinvestedindigitalinfrastructure.A.NoerrorB."were"shouldbe"were"C."wouldhaveinvested"shouldbe"wouldinvest"D."more"shouldbe"less"3.Despitetheeconomicdownturn,thebank’sprofitshaveincreasedduetocost-cuttingmeasures.A.NoerrorB."Despite"shouldbe"Inspiteof"C."increased"shouldbe"increasing"D."cost-cutting"shouldbe"cost-effective"4.Thenewmobilebankingappallowsuserstotransferfundsinstantly,whichisasignificantimprovementoverthepreviousversion.A.NoerrorB."allows"shouldbe"allow"C."instantly"shouldbe"immediately"D."previous"shouldbe"earlier"5.BoththeCEOandtheCFOwereinvitedtothestrategymeeting,butneitherofthemcouldattend.A.NoerrorB."both"shouldbe"bothofthem"C."neither"shouldbe"either"D."couldattend"shouldbe"couldattend"Part4:ClozeTest(完形填空)共5題，每題2分，合計10分ThepassageisabouttheimpactofdigitalbankingonfinancialinclusioninFuzhou.Fillintheblankswiththemostsuitablewords.TherapidgrowthofdigitalbankinginFuzhouhas______(1)transformativeeffectsonfinancialinclusion.Traditionalbankshavestruggledto______(2)inthiscompetitivelandscape,butfintechstartupshave______(3)thegapwithinnovativesolutions.Forinstance,mobilepaymentplatformslikeAlipayandWeChatPayhaveenabledlow-incomehouseholdstoaccessfinancialservices______(4)traditionalbankbranches.Thisshifthasnotonlyimprovedconveniencebutalso______(5)economicparticipationamongmarginalizedcommunities.However,challengessuchasdigitalliteracyandcybersecurityremain,requiringcollaborativeeffortsfromregulators,banks,andtechfirmstoensuresustainablegrowth.Options:1.A.partiallyB.entirelyC.minimallyD.moderately2.A.competeB.complyC.conformD.collaborate3.A.closedB.bridgedC.widenedD.narrowed4.A.withoutB.despiteC.beyondD.near5.A.boostedB.diminishedC.hinderedD.delayedPart5:Translation(翻譯題)共2題，每題5分，合計10分Instructions:TranslatethefollowingsentencesintoEnglish.1.福州市政府為促進FinTech發(fā)展，推出了多項優(yōu)惠政策，包括稅收減免和資金支持。2.隨著移動支付的普及，傳統(tǒng)銀行的現(xiàn)金業(yè)務(wù)面臨巨大挑戰(zhàn)，但數(shù)字化轉(zhuǎn)型為它們提供了新的增長機會。AnswerKeyandExplanationsPart1:ReadingComprehension1.C(Thepassagementions"rapidurbanizationanddigitaladoption"askeydrivers.)2.B(CMBisexplicitlymentionedascollaboratingwithlocaltechfirms.)3.B(Datasecurityandregulationarelistedasongoingchallenges.)4.B(Thepassagestatesthesystemincreasedefficiencyby40%.)5.B(Thepassagehighlightsgrowthwithsupportfromtechgiants.)Part2:Vocabulary1.A(Mitigatemeanstoreduce;otheroptionsareirrelevantorcontradictory.)2.B(Exponentialgrowthfitsthecontextofrapidexpansion.)3.A(Infrastructureisessentialforimprovingcustomerservice.)4.A(Implementationreferstoputtingsomethingintoeffect.)5.A(Volatilitydescribesmarketinstability.)6.A(AutomatedsystemsuseAIforreal-timecreditassessment.)7.B(Supportivepoliciesencourageeconomicconfidence.)8.A(Aggressivestrategiesfocusonrapiddigitaltransformation.)9.A(Penetrationreferstothewidespreadadoptionofdigitalpayments.)10.C(Emergingmarketshavegrowingdemandforfinancialservices.)Part3:Grammar1.A(Noerror;"they"correctlyrefersto"theteam.")2.C("wouldhaveinvested"iscorrectforhypotheticalpastconditions.)3.A(Noerror;"Despite"isgrammaticallycorrect.)4