工商銀行白銀市會(huì)寧縣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1分，共20題）場景：銀行業(yè)務(wù)與金融知識1.TheBankofChinainHuiningCountyhasrecentlylaunchedanewdigital______toimprovecustomerservice.A)platformB)networkC)serviceD)system2.Whenhandlinginternationaltransactions,itiscrucialtobefamiliarwith______exchangeratefluctuations.A)stableB)volatileC)fixedD)predictable3.Ourbankoffers______loansforsmallbusinesses,whichcanhelplocalentrepreneursexpandtheiroperations.A)subsidizedB)competitiveC)flexibleD)high-interest4.Tocomplywithregulatoryrequirements,employeesmustundergoregular______trainingonanti-moneylaundering.A)financialB)legalC)technicalD)operational5.Thebranchmanageremphasizedtheimportanceofmaintaininga______relationshipwithclientstoensurelong-termbusiness.A)formalB)cooperativeC)distantD)impersonal6.Intheeventofafinancialcrisis,banksmusthaveasolid______plantominimizerisks.A)investmentB)withdrawalC)contingencyD)borrowing7.Digitalbankinghas______thewaycustomersaccessfinancialservices,especiallyinruralareaslikeHuining.A)revolutionizedB)complicatedC)standardizedD)centralized8.Thebank’smobileappallowsuserstoperform______transactionsanytimeandanywhere.A)offlineB)manualC)real-timeD)delayed9.Creditscoringisakeytoolforbankstoassessthe______ofborrowers.A)reliabilityB)incomeC)riskD)education10.Thegovernmenthasintroducedpoliciesto______smallbusinessesduringtheeconomicdownturn.A)supportB)regulateC)taxD)merge11.Banksmustensurethesecurityofcustomerdatathroughadvanced______measures.A)encryptionB)printingC)storageD)transmission12.The______interestrateisusuallylowerthanthefixedratebutmayvaryovertime.A)floatingB)annualC)nominalD)marginal13.Bankemployeesshouldmaintainahighlevelof______tohandlesensitivefinancialinformation.A)honestyB)efficiencyC)stressD)creativity14.The______sectorplaysavitalroleinthelocaleconomyof白銀市.A)industrialB)agriculturalC)financialD)tourism15.Thebank’swealthmanagementdivisionofferspersonalized______tohigh-net-worthclients.A)investmentsB)loansC)savingsD)advice16.Duringtheannualaudit,theauditorfocusedonthebank’s______practices.A)operationalB)marketingC)speculativeD)fraudulent17.The______ofblockchaintechnologyhasthepotentialtotransformbankingoperations.A)adoptionB)rejectionC)developmentD)criticism18.Banksmustadhereto______lawstoavoidlegalpenalties.A)domesticB)internationalC)sector-specificD)global19.Thebank’s______teamworkscloselywithclientstotailorfinancialsolutions.A)salesB)complianceC)advisoryD)managerial20.Theriseoffintechhas______traditionalbankingmodels.A)challengedB)reinforcedC)ignoredD)replaced二、多選題（每題2分，共10題）場景：銀行業(yè)日常運(yùn)營與客戶服務(wù)21.Whendealingwithcustomercomplaints,bankemployeesshouldprioritize:A)empathyB)efficiencyC)indifferenceD)documentation22.Thefollowingarecommonrisksinbanking:A)fraudB)inflationC)marketvolatilityD)employeemisconduct23.Awell-designeddigitalbankingplatformshouldinclude:A)onlinebillpaymentsB)mobiledepositsC)customersupportchatD)ATMintegration24.Bankscanimprovecustomerretentionby:A)offeringcompetitiveratesB)providingpersonalizedservicesC)increasingfeesD)reducingbranchhours25.Thefollowingarekeyelementsofabank’scomplianceframework:A)anti-moneylaunderingpoliciesB)dataprotectionregulationsC)internalauditsD)customersatisfactionsurveys26.TheCOVID-19pandemichasacceleratedtheadoptionof:A)remoteworkB)contactlesspaymentsC)paper-basedtransactionsD)in-personbanking27.Banksoftenusethefollowingtoolstomanageliquidity:A)reservesB)loansC)investmentsD)withdrawals28.Thefollowingarebenefitsofdigitalbankingforruralareas:A)increasedaccessibilityB)reducedcostsC)slowerservicespeedsD)limitedfeatures29.Banksmustaddressthefollowingchallengesinthedigitalera:A)cybersecuritythreatsB)regulatorychangesC)technologicalobsolescenceD)highercustomerexpectations30.Thefollowingareimportantskillsforbankemployees:A)communicationB)financialliteracyC)technicalproficiencyD)emotionalintelligence答案及解析一、單選題1.A)platform解析：銀行業(yè)數(shù)字化轉(zhuǎn)型需要數(shù)字平臺(tái)支持客戶服務(wù)。2.B)volatile解析：國際交易受匯率波動(dòng)影響大。3.C)flexible解析：中小微企業(yè)貸款需靈活性以支持發(fā)展。4.B)legal解析：反洗錢需法律合規(guī)培訓(xùn)。5.B)cooperative解析：銀行需與客戶建立合作關(guān)系。6.C)contingency解析：危機(jī)時(shí)需有應(yīng)急計(jì)劃。7.A)revolutionized解析：數(shù)字銀行改變了服務(wù)方式。8.C)real-time解析：移動(dòng)支付支持實(shí)時(shí)交易。9.C)risk解析：信用評分評估借款風(fēng)險(xiǎn)。10.A)support解析：政策支持小微企業(yè)渡過難關(guān)。11.A)encryption解析：數(shù)據(jù)安全依賴加密技術(shù)。12.A)floating解析：浮動(dòng)利率隨市場變化。13.A)honesty解析：銀行員工需誠實(shí)守信。14.C)financial解析：金融業(yè)對白銀市經(jīng)濟(jì)重要。15.D)advice解析：財(cái)富管理提供個(gè)性化建議。16.A)operational解析：審計(jì)關(guān)注銀行運(yùn)營合規(guī)性。17.A)adoption解析：區(qū)塊鏈技術(shù)被銀行采納。18.C)sector-specific解析：銀行需遵守行業(yè)特定法律。19.C)advisory解析：顧問團(tuán)隊(duì)為客戶定制方案。20.A)challenged解析：金融科技挑戰(zhàn)傳統(tǒng)模式。二、多選題21.A,B,D解析：員工處理投訴需有同理心、效率及記錄。22.A,B,C,D解析：銀行面臨欺詐、通脹、市場波動(dòng)及內(nèi)部風(fēng)險(xiǎn)。23.A,B,C,D解析：數(shù)字平臺(tái)需支持在線支付、移動(dòng)存款、客服及AT