中國銀行淮南市壽縣2025秋招筆試英語選詞填空題專練50題及答案第一部分：選詞填空（共40題，每題1分）說明：每題空缺處有4個選項，請選擇最恰當(dāng)?shù)脑~填入空格。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialindustry.A.revolutionizedB.standardizedC.complicatedD.supported2.To______theeconomicgrowthinruralareas,theChinesegovernmenthasimplementedseveralpolicies.A.boostB.reduceC.limitD.ignore3.Thenewmobilebankingappisdesignedto______userexperienceandsecurity.A.enhanceB.weakenC.ignoreD.reduce4.Whatisthemosteffectivewayto______fraudinonlinetransactions?A.increaseB.decreaseC.preventD.encourage5.Thebank’scustomerserviceteamishighly______forsolvingcomplexfinancialissues.A.efficientB.carelessC.unprofessionalD.slow6.The______ofblockchaintechnologyhassignificantimplicationsforcross-borderpayments.A.inventionB.failureC.declineD.rejection7.Howcanbanks______theimpactofeconomicdownturnsontheirprofitability?A.ignoreB.minimizeC.increaseD.ignore8.The______ofinterestratesaffectsloanapprovalsandsavingsrates.A.fluctuationB.stabilizationC.reductionD.increase9.Whatistheprimaryroleofacreditanalystinabank?A.TolendmoneywithoutchecksB.ToassessfinancialriskC.ToinvestinstocksD.Tomanagecustomerdeposits10.The______ofAIinbankinghasimprovedfrauddetectionaccuracy.A.integrationB.rejectionC.delayD.failure11.Whyisitimportanttodiversifyinvestmentsinabankingportfolio?A.TomaximizeriskB.ToreduceriskC.ToignoremarkettrendsD.Tofocusonstocksonly12.Thebank’s______strategyaimstoexpanditsmarketshareinruralareas.A.aggressiveB.passiveC.conservativeD.neutral13.Whatdoes"KYC"standforinthebankingsector?A.KnowYourCustomerB.KeepYourCashC.KnowYourCountryD.KeepYourCredit14.The______ofthefinancialsystemensuresstabilityduringeconomiccrises.A.decentralizationB.centralizationC.corruptionD.collapse15.Howcanbanks______thecostofcompliancewithregulatoryrequirements?A.ignoreB.minimizeC.increaseD.overlook16.The______ofdigitalwalletshaschangedhowpeoplepayforgoods.A.inventionB.declineC.rejectionD.failure17.Whatisthemainbenefitof"openbanking"?A.ReducedcompetitionB.EnhancedcustomerexperienceC.IncreasedfeesD.Limiteddatasharing18.Thebank’s______policyhelpscustomersmanagetheirdebtsmoreeffectively.A.strictB.lenientC.unfairD.biased19.Howdoesinflationaffectbanksavings?A.IncreasesinrealvalueB.DecreasesinrealvalueC.NoimpactD.Increasesinnominalvalue20.The______ofonlinebankinghasmadefinancialservicesmoreaccessible.A.availabilityB.unavailabilityC.complexityD.inefficiency21.Whatistheroleofa"SWOTanalysis"inbankingstrategy?A.ToignorethreatsB.Toassessstrengths,weaknesses,opportunities,andthreatsC.TofocusonlyonprofitsD.Tominimizerisks22.The______offintechstartupshasdisruptedtraditionalbanking.A.riseB.declineC.stagnationD.collapse23.Howcanbanksimprovetheir"customerretentionrate"?A.IncreasefeesB.ProvidepoorserviceC.EnhanceservicequalityD.Ignorecustomerfeedback24.The______ofcreditscoringsystemshelpsbanksmakeinformedlendingdecisions.A.complexityB.simplicityC.biasD.unfairness25.Whatisthepurposeof"riskmanagement"inbanking?A.TomaximizerisksB.TominimizerisksC.ToignorerisksD.Tocelebraterisks26.The______ofthebankingsectoriscloselytiedtoeconomicgrowth.A.stabilityB.instabilityC.independenceD.isolation27.Howdoes"mobile-onlybanking"differfromtraditionalbanking?A.ItrequiresmorepaperworkB.ItofferslimitedservicesC.ItreliessolelyonmobiledevicesD.Ithashigherfees28.Thebank’s______policyensurestransparencyinfinancialtransactions.A.confidentialityB.transparencyC.opacityD.secrecy29.Whatisthemaingoalof"asset-liabilitymanagement"inbanking?A.TomaximizeassetsB.TominimizeliabilitiesC.TobalancerisksandreturnsD.Toignoreliabilities30.The______ofcryptocurrencieshasraisedconcernsaboutfinancialstability.A.popularityB.rejectionC.declineD.regulation31.Howcanbanksuse"bigdata"toimproveservices?A.TotrackcustomerswithoutconsentB.ToanalyzecustomerbehaviorC.ToignoredataprivacyD.Toincreasesurveillance32.The______ofinterestratesaffectsmortgageapprovals.A.increaseB.decreaseC.stabilityD.fluctuation33.Whatisthepurposeof"capitaladequacyrequirements"inbanking?A.TomaximizeprofitsB.ToensurefinancialstabilityC.ToreducecompetitionD.Toignorerisks34.The______ofremotebankinghasmadefinancialservicesmoreconvenient.A.adoptionB.rejectionC.delayD.failure35.Howdoes"crowdfunding"benefitsmallbusinesses?A.ItincreasesborrowingcostsB.ItprovidesaccesstofundsC.ItignoresmarketdemandD.Itreducescompetition36.Thebank’s______strategyfocusesonhigh-risk,high-rewardinvestments.A.conservativeB.aggressiveC.neutralD.passive37.Whatistheroleofa"financialadvisor"inabank?A.TosellunnecessaryproductsB.ToprovideinvestmentadviceC.ToignorecustomerneedsD.Tomanagebankaccounts38.The______ofdigitalcurrencieslikeBitcoinhassparkedregulatorydebates.A.adoptionB.rejectionC.declineD.regulation39.Howcanbanksimprovetheir"brandreputation"?A.EngageinfalseadvertisingB.ProvidepoorserviceC.EnhancecustomerexperienceD.Ignorecustomercomplaints40.The______ofthebankingsectorisinfluencedbyglobaleconomictrends.A.growthB.declineC.stagnationD.isolation第二部分：選詞填空（共10題，每題2分）說明：每題空缺處有4個選項，請選擇最恰當(dāng)?shù)脑~填入空格。句子較長，需結(jié)合上下文理解。41.TheChinesegovernmenthasintroducedseveralpoliciesto______thegrowthofdigitalbanking,ensuringitcomplieswithregulatorystandards.A.promoteB.hinderC.ignoreD.regulate42.The______ofblockchaintechnologyincross-borderpaymentshassignificantlyreducedtransactioncostsandtime.A.implementationB.rejectionC.failureD.delay43.To______theriskoffraudinonlinetransactions,banksmustadoptadvancedsecuritymeasuressuchasbiometricverification.A.eliminateB.minimizeC.increaseD.ignore44.Thebank’scustomerserviceteamishighly______,ensuringquickandefficientresolutionofcustomerqueries.A.unprofessionalB.inefficientC.efficientD.slow45.The______offintechstartupshasforcedtraditionalbankstoinnovateandimprovetheirservicestoremaincompetitive.A.riseB.declineC.stagnationD.collapse46.Thebank’s______strategyaimstoexpanditsmarketshareinruralareasbyofferingtailoredfinancialproductsforfarmersandsmallbusinesses.A.aggressiveB.passiveC.conservativeD.neutral47.The______ofdigitalwalletshaschangedhowpeoplemakepayments,reducingtherelianceoncash.A.inventionB.declineC.rejectionD.failure48.Thebank’s______policyensurestransparencyinfinancialtransactions,buildingtrustamongcustomers.A.confidentialityB.transparencyC.opacityD.secrecy49.The______ofAIinbankinghasimprovedfrauddetectionaccuracy,reducingfinanciallossesfortheinstitution.A.integrationB.rejectionC.delayD.failure50.Thebank’s______strategyfocusesonsustainablegrowth,ensuringlong-termstabilityratherthanshort-termprofits.A.aggressiveB.conservativeC.neutralD.speculative答案及解析第一部分：選詞填空（共40題，每題1分）1.A.revolutionized解析：Digitalbankinghasbroughtsignificantchangestothetraditionalfinancialindustry,makingitmoreefficientandmodern.2.A.boost解析：Thegovernmentaimstoenhanceeconomicgrowthinruralareas,so"boost"isthemostappropriateword.3.A.enhance解析：Theappisdesignedtoimproveuserexperienceandsecurity,making"enhance"thecorrectchoice.4.C.prevent解析：Thegoaloffrauddetectionistostopfraudfromoccurring,so"prevent"isthebestfit.5.A.efficient解析：Customerserviceteamsareexpectedtobeefficientinsolvingissues,sothisisthemostsuitableword.6.A.invention解析：Theinventionofblockchaintechnologyhashadamajorimpactoncross-borderpayments.7.B.minimize解析：Banksaimtoreducethenegativeeffectsofeconomicdownturns,so"minimize"isappropriate.8.A.fluctuation解析：Interestratesoftenchange,so"fluctuation"isthecorrectterm.9.B.Toassessfinancialrisk解析：Creditanalystsevaluateborrowers’abilitytorepayloans,focusingonfinancialrisk.10.A.integration解析：AIintegrationinbankinghasimprovedfrauddetection,sothisisthebestchoice.11.B.Toreducerisk解析：Diversificationhelpslowerinvestmentrisk,makingthisthecorrectanswer.12.A.aggressive解析：Anaggressivestrategyaimstoquicklyexpandmarketshare,sothisfitsthecontext.13.A.KnowYourCustomer解析：KYCisastandardbankingtermforcustomerverification.14.B.centralization解析：Centralizedfinancialsystemsensurestability,sothisisthecorrectterm.15.B.minimize解析：Bankstrytoreducecompliancecosts,making"minimize"appropriate.16.A.invention解析：Digitalwalletsarearecentinventionthathaschangedpaymentmethods.17.B.Enhancedcustomerexperience解析：Openbankingimprovescustomerexperiencebyallowingthird-partyaccesstodata.18.B.lenient解析：Alenientpolicymakesiteasierforcustomerstomanagedebts.19.B.Decreasesinrealvalue解析：Inflationerodesthepurchasingpowerofsavings,sothisisthecorrectanswer.20.A.availability解析：Onlinebanking’savailabilitymakesfinancialservicesmoreaccessible.21.B.Toassessstrengths,weaknesses,opportunities,andthreats解析：SWOTanalysisevaluatesthesefouraspectsinbankingstrategy.22.A.rise解析：Fintechstartupshaverisenrapidly,disruptingtraditionalbanking.23.C.Enhanceservicequality解析：Betterservicekeepscustomersloyal,improvingretentionrates.24.B.simplicity解析：Simplecreditscoringsystemshelpbanksmakefasterdecisions.25.B.Tominimizerisks解析：Riskmanagementaimstoreducepotentiallossesforbanks.26.A.stability解析：Bankingstabilityistiedtoeconomicgrowth,sothisisthecorrectterm.27.C.Itreliessolelyonmobiledevices解析：Mobile-onlybankingoperatesentirelythroughsmartphones.28.B.transparency解析：Transparentpoliciesbuildtrustwithcustomers.29.C.Tobalancerisksandreturns解析：Asset-liabilitymanagementensuresahealthybalanceforbanks.30.A.popularity解析：Cryptocurrencieshavebecomepopular,raisingregulatoryconcerns.31.B.Toanalyzecustomerbehavior解析：Bigdatahelpsbanksunderstandcustomerpreferences.32.D.fluctuation解析：Interestratefluctuationsaffectmortgageapprovals.33.B.Toensurefinancialstability解析：Capitaladequacyrequirementsprotectbanksfromfailures.34.A.adoption解析：Remotebankinghasbeenwidelyadoptedforconvenience.35.B.Itprovidesaccesstofunds解析：Crowdfundinghelpssmallbusinessesraisemoney.36.B.aggressive解析：Anaggressivestrategytakeshigherrisksforhig