中國銀行洛陽市伊川縣2025秋招筆試英語完形填空題專練30題及答案一、單選題（每題2分，共20題）1.Passage1(2分)Therapiddevelopmentofdigitalbankinghasbroughtsignificantchangestothefinancialindustry.Manytraditionalbankingserviceshavebeen__________byonlineplatforms,makingiteasierforcustomerstomanagetheirfinances.However,thisshifthasalsoraisedconcernsaboutthe__________ofpersonaldataandtheneedforstrongersecuritymeasures.Banksmustfindabalancebetweeninnovationandcustomerprotectionto__________thetrustoftheirclients.A.replacedB.supportedC.developedD.ignored2.Passage2(2分)Inrecentyears,thedemandforfinancialeducationhas__________inChina,especiallyamongyoungprofessionals.Workshopsandonlinecoursesonpersonalfinancemanagementhavebecomeincreasinglypopular.Thistrendreflectsagrowingawarenessoftheimportanceof__________financialknowledgetomakeinformeddecisions.Forinstance,manypeoplearenowmorecautiousaboutinvestingincryptocurrencies,realizingthatsuchinvestmentscarryhigh__________.A.decreasedB.increasedC.remainedD.declined3.Passage3(2分)TheChinesegovernmenthasimplementedseveralpoliciestopromotethegrowthofthefintechindustry.Thesepoliciesinclude__________taxincentivesforstartupsandimprovingregulatoryframeworks.Asaresult,manyinnovativefinancialtechnologieshaveemerged,__________theefficiencyofbankingservices.Forexample,mobilepaymentappslikeAlipayandWeChatPayhave__________traditionalpaymentmethodsinmanyurbanareas.A.providingB.reducingC.eliminatingD.supporting4.Passage4(2分)Oneofthebiggestchallengesinthefintechsectoristhe__________ofcyberthreats.Asmorebankingservicesmoveonline,theriskofdatabreachesandfraudincreases.Financialinstitutionsmustinvestinadvancedcybersecuritymeasuresto__________theircustomers'information.Thisincludesusingencryptiontechnologiesandregularlyupdatingsecurityprotocols.A.increaseB.decreaseC.addressD.ignore5.Passage5(2分)Theriseofrobo-advisorshas__________thewaypeopleinvesttheirmoney.Theseautomatedplatformsusealgorithmstoprovidepersonalizedinvestmentadviceatalowercostthantraditionalfinancialadvisors.Whiletheyofferconvenience,someexpertsarguethatrobo-advisorsmaynotbesuitableforallinvestors,especiallythosewhoneed__________financialguidance.A.basicB.complexC.emotionalD.automated6.Passage6(2分)Innovativefinancialtechnologieshavealsoimprovedaccesstobankingservicesinruralareas.Microfinanceinstitutionsandmobilebankingappshavemadeitpossibleforfarmersandsmallbusinessownersto__________financialservicesthatwerepreviouslyunavailabletothem.Thishas__________economicopportunitiesformanymarginalizedcommunities.A.provideB.limitC.excludeD.expand7.Passage7(2分)Theuseofbigdatainbankinghas__________theabilitytodetectandpreventfraudulentactivities.Byanalyzingtransactionpatternsandcustomerbehavior,financialinstitutionscanidentifysuspiciousactivitiesmorequickly.Thisnotonlyprotectscustomersbutalso__________theoverallintegrityofthebankingsystem.A.strengthenedB.weakenedC.ignoredD.challenged8.Passage8(2分)Blockchaintechnologyhasthepotentialto__________traditionalbankingprocessesbymakingtransactionsmoresecureandtransparent.Forexample,cross-borderpaymentscanbecompletedfasterandatalowercostusingblockchain.However,thewidespreadadoptionofthistechnologystillfacesregulatoryandtechnicalchallenges.A.replaceB.supportC.improveD.disrupt9.Passage9(2分)TheCOVID-19pandemichasacceleratedtheadoptionofdigitalbankingservices.Manypeoplewhowerepreviouslyreluctanttouseonlinebankinghavenow__________itduetotheconvenienceandsafetyitoffers.Thisshifthas__________theneedfortraditionalbrick-and-mortarbankstoadaptandinnovate.A.increasedB.decreasedC.eliminatedD.ignored10.Passage10(2分)FinancialinclusionremainsakeyfocusforpolicymakersinChina.Effortsarebeingmadeto__________thegapbetweenurbanandruralfinancialservices.Thisincludesexpandingthereachofmobilebankingappsandprovidingfinancialliteracyprogramsforunderservedpopulations.A.closeB.widenC.maintainD.ignore二、多選題（每題3分，共10題）11.Passage11(3分)Thefintechindustryhasbroughtseveralbenefitstothebankingsector,including:A.improvedcustomerexperienceB.reducedoperationalcostsC.increasedregulatoryscrutinyD.enhancedsecuritymeasures12.Passage12(3分)Challengesfacedbythefintechindustryinclude:A.cyberthreatsB.regulatorycomplianceC.technologicalinnovationD.customertrust13.Passage13(3分)Thegrowthofdigitalbankinghasledtothefollowingchanges:A.increaseduseofmobilepaymentappsB.declineintraditionalbankingservicesC.higherdemandforfinancialeducationD.improvedaccesstobankinginruralareas14.Passage14(3分)Advantagesofrobo-advisorsinclude:A.lowerfeesB.personalizedinvestmentadviceC.24/7availabilityD.humaninteraction15.Passage15(3分)Blockchaintechnologycanimprovebankingby:A.makingtransactionsfasterB.reducingcostsC.increasingsecurityD.eliminatingtheneedforbanks16.Passage16(3分)TheimpactoftheCOVID-19pandemiconbankingincludes:A.increasedadoptionofdigitalbankingB.reducedfoottrafficinphysicalbanksC.higherdemandforfinancialadviceD.improvedcybersecuritymeasures17.Passage17(3分)FinancialinclusioneffortsinChinafocuson:A.expandingmobilebankingservicesB.providingfinancialliteracyprogramsC.increasingregulatorybarriersD.supportingunderservedpopulations18.Passage18(3分)Bigdatacanbeusedinbankingto:A.detectfraudB.personalizeservicesC.improvecustomerexperienceD.increaseoperationalcosts19.Passage19(3分)Theroleoffintechinruralareasincludes:A.providingaccesstofinancialservicesB.supportingsmallbusinessesC.reducingpovertyD.eliminatingtraditionalbanking20.Passage20(3分)Thefutureofdigitalbankingmaysee:A.increaseduseofAIB.moreregulatorychallengesC.greaterfinancialinclusionD.reducedhumaninteraction答案及解析一、單選題1.A.replaced解析：第一句提到“許多傳統(tǒng)銀行服務(wù)已被在線平臺所取代”，因此“replaced”（取代）最符合語境。2.B.increased解析：第二句指出“對金融教育的需求近年來有所增長”，因此“increased”（增長）是正確答案。3.A.providing解析：第三句提到“政府實施了多項政策以促進金融科技行業(yè)的增長，包括提供稅收優(yōu)惠”，因此“providing”（提供）最合適。4.C.address解析：第四句指出“網(wǎng)絡(luò)威脅是金融科技領(lǐng)域的一個主要挑戰(zhàn)”，因此“address”（應(yīng)對）符合語境。5.B.complex解析：第五句提到“一些專家認為，智能投資顧問可能不適合所有投資者，特別是那些需要復(fù)雜金融指導(dǎo)的人”，因此“complex”（復(fù)雜的）是正確答案。6.A.provide解析：第六句指出“微型金融機構(gòu)和移動銀行應(yīng)用程序使農(nóng)民和小企業(yè)主能夠獲得以前無法獲得的金融服務(wù)”，因此“provide”（提供）最符合語境。7.A.strengthened解析：第七句提到“通過分析交易模式和客戶行為，金融機構(gòu)可以更快地識別可疑活動”，因此“strengthened”（加強）是正確答案。8.C.improve解析：第八句指出“區(qū)塊鏈技術(shù)有可能通過使交易更安全透明來改進傳統(tǒng)銀行流程”，因此“improve”（改進）最合適。9.A.increased解析：第九句提到“由于它提供的便利性和安全性，許多人現(xiàn)在開始使用在線銀行”，因此“increased”（增加）是正確答案。10.A.close解析：第十句指出“政策制定者在中國