銀行英語考試2025年模擬沖刺預測試卷（含答案）考試時間：______分鐘總分：______分姓名：______第一部分：詞匯與結構從下列每個句子四個選項中，選出可以填入空白處的最佳選項，并在答題卡上將該項涂黑。1.Despitetheeconomicdownturn,thebank'sprofitsremainsurprisingly______.A.stagnantB.volatileC.robustD.fluctuating2.Itisessentialforbankemployeestomaintainahighlevelof______inallcustomerinteractions.A.ambiguityB.professionalismC.negligenceD.improvisation3.Thenewmobilebankingappallowscustomersto______fundsbetweentheiraccountswithease.A.transferB.withdrawC.depositD.invest4.Thisfixed-ratemortgageoffers______interestpaymentsfortheentireloanterm.A.variableB.adjustableC.fluctuatingD.constant5.Thebankimplementsstrict______topreventmoneylaunderingactivities.A.penaltiesB.sanctionsC.regulationsD.incentives6.Ourinstitutioniscommittedtopromoting______financeandsupportingsustainabledevelopmentprojects.A.conventionalB.innovativeC.traditionalD.speculative7.Pleasefindthedetailedtermsandconditions______thereversesideofthisdocument.A.atB.onC.inD.for8.Theloanofficercarefully______theapplicant'scredithistorybeforeapprovingtheloanrequest.A.examinedB.inspectedC.evaluatedD.analyzed9.Duetothehighdemand,theavailableseatsforthewebinarhave______rapidly.A.diminishedB.increasedC.escalatedD.declined10.Bankersneedtopossessstrongcommunicationskillsto______complexfinancialproductstoclients.A.elaborateB.simplifyC.complicateD.clarify第二部分：閱讀理解閱讀以下短文，回答問題。Theriseofdigitalbankinghassignificantlytransformedthewaycustomersaccessandmanagetheirfinances.Onlineandmobilebankingplatformsofferunparalleledconvenience,enablinguserstoperformawiderangeoftransactionsanytime,anywhere.Fromtransferringfundsandpayingbillstoapplyingforloansandtrackinginvestments,thesedigitaltoolshavemadebankingmoreaccessiblethaneverbefore.However,thisconveniencealsobringschallenges.Cybersecurityremainsatopconcern,asbanksandcustomersalikemustprotectsensitivefinancialinformationfromincreasinglysophisticatedonlinethreats.Additionally,ensuringdigitalinclusionforthosewhomaylackthenecessarytechnologyordigitalliteracyiscrucial.Despitethesechallenges,thedigitalbankingtrendisirreversible,andbankscontinuetoinvestheavilyinenhancingtheironlineservicesandsecuritymeasurestomeetcustomerexpectationsandstaycompetitiveintheevolvingfinanciallandscape.Basedonthepassage,choosethebestanswerforeachquestion.11.Whatisthemaintopicofthepassage?A.Thehistoryoftraditionalbanking.B.Theconvenienceandchallengesofdigitalbanking.C.Theimportanceofcybersecurityinfinance.D.Themethodsoftransferringfundsonline.12.Accordingtothepassage,whathasdigitalbankingmadepossible?A.Increaseddemandforloans.B.Decreasedneedforbankbranches.C.Unparalleledconvenienceforcustomers.D.Reducedriskoffinancialtransactions.13.Whatchallengeismentionedthataffectsbothbanksandcustomers?A.Thehighcostofdigitalbankingplatforms.B.Theneedtoprotectfinancialinformationfromcyberthreats.C.Thedifficultyinapplyingforloansonline.D.Thelackofdigitalliteracyamongcustomers.14.Theword"sophisticated"inthepassageisclosestinmeaningto:A.SimpleB.BasicC.AdvancedD.Common15.Whatdoesthepassagesuggestaboutthefutureofdigitalbanking?A.Itwillbecomelesspopularduetochallenges.B.Itwillcontinuetogrow,requiringmoreinvestmentinsecurityandinclusion.C.Itwillmainlybenefitlargefinancialinstitutions.D.Itwillreplacetraditionalbankingcompletely.第三部分：完形填空Readthefollowingpassage.FillineachblankwithONEsuitablewordfromthebox.Therearemorewordsthanneeded.|begin|provide|regarding|regarding|concerning|process|ensure|meet|complex|financial|1.Allcustomersmusthaveavalidpassport______theiridentity.2.Thebank______onlinebankingservicestoenhancecustomerconvenience.3.Pleasesubmitalltherequireddocuments______theloanapplication.4.Ourteamisdedicatedto______thehigheststandardsofcustomerservice.5.Navigatingthe______bankingregulationscanbechallengingfornewclients.6.Wewillworkcloselywithyouto______thatyourneedsare______.7.Theofficerexplainedthe______foropeninganewsavingsaccount.8.Anyquestions______thetermsandconditionsshouldbedirectedtocustomersupport.9.Weofferawiderangeof______productstosuitdifferentinvestmentgoals.10.Itisimportanttoseekprofessionaladvice______yourspecific______situation.第四部分：寫作Writeanemailofabout80wordstoacustomerwhohasrecentlyappliedforacreditcard.Theemailshould:1.Acknowledgetheapplication.2.Informthemthattheirapplicationisunderreview.3.Mentionthattheywillreceiveadecisionwithintwoweeks.4.Thankthemforchoosingyourbank.---試卷答案第一部分：詞匯與結構1.C*解析：句意意為“盡管經(jīng)濟不景氣，銀行的利潤仍然出奇地強勁”。robust（強勁的，健康的）符合句意。stagnant（停滯的），volatile（波動的），fluctuating（波動的）均與句意不符。2.B*解析：句意意為“銀行員工在與客戶的互動中保持高水平的專業(yè)性是至關重要的”。professionalism（專業(yè)性）符合句意。ambiguity（模棱兩可），negligence（疏忽），improvisation（即興創(chuàng)作）均與句意不符。3.A*解析：句意意為“新的手機銀行應用程序允許客戶輕松地在他們的賬戶之間轉賬資金”。transfer（轉賬）符合句意。withdraw（取款），deposit（存款），invest（投資）均與句意不符。4.D*解析：句意意為“這種固定利率抵押貸款提供整個貸款期間固定的利息支付”。constant（固定的，恒定的）符合句意。variable（可變的），adjustable（可調(diào)整的），fluctuating（波動的）均與句意不符。5.C*解析：句意意為“銀行實施嚴格的規(guī)定以防止洗錢活動”。regulations（規(guī)定，條例）符合句意。penalties（處罰），sanctions（制裁），incentives（激勵）均與句意不符。6.B*解析：句意意為“我們的機構致力于推廣創(chuàng)新金融，支持可持續(xù)發(fā)展的項目”。innovative（創(chuàng)新的）符合句意。conventional（傳統(tǒng)的），traditional（傳統(tǒng)的），speculative（投機的）均與句意不符。7.B*解析：句意意為“請在本文件的背面找到詳細的條款和條件”。onthereverseside（在背面）是固定搭配，符合句意。at,in,for均不與reverseside搭配。8.C*解析：句意意為“貸款官員在批準貸款請求之前仔細評估了申請人的信用記錄”。evaluate（評估）符合句意。examine（檢查），inspect（檢查），analyze（分析）均與句意略有不同。9.A*解析：句意意為“由于需求很高，可用的座位數(shù)量迅速減少”。diminished（減少的）符合句意。increased（增加的），escalated（升級的），declined（減少的）均與句意不符，或語境不如diminished貼切。10.B*解析：句意意為“銀行家需要具備強大的溝通能力，以簡化復雜金融產(chǎn)品給客戶”。simplify（簡化）符合句意。elaborate（詳述），complicate（復雜化），clarify（澄清）均與句意不符。第二部分：閱讀理解11.B*解析：文章首段指出數(shù)字銀行帶來了變革和便利，第二段提到了隨之而來的挑戰(zhàn)（網(wǎng)絡安全和數(shù)字包容性）。第三段總結趨勢不可逆轉。全文圍繞數(shù)字銀行的便利性與挑戰(zhàn)展開，故B選項“數(shù)字銀行的便利與挑戰(zhàn)”是主旨。12.C*解析：文章第一段明確提到“Onlineandmobilebankingplatformsofferunparalleledconvenience,enablinguserstoperformawiderangeoftransactionsanytime,anywhere.”（在線和移動銀行平臺提供了無與倫比的便利，使用戶能夠隨時隨地執(zhí)行各種交易），與C選項“為客戶提供無與倫比的便利”意思一致。13.B*解析：文章第二段明確指出“Cybersecurityremainsatopconcern,asbanksandcustomersalikemustprotectsensitivefinancialinformationfromincreasinglysophisticatedonlinethreats.”（網(wǎng)絡安全仍然是一個主要問題，因為銀行和客戶都必須保護敏感的財務信息免受日益復雜的網(wǎng)絡威脅），與B選項“保護財務信息免受網(wǎng)絡威脅”的挑戰(zhàn)相符。14.C*解析：根據(jù)上下文，“increasinglysophisticatedonlinethreats”指的是網(wǎng)絡威脅變得越來越復雜和先進。sophisticated（復雜的，精密的）與advanced（先進的）意思closestinmeaning。15.B*解析：文章最后一句提到“thedigitalbankingtrendisirreversible,andbankscontinuetoinvestheavilyinenhancingtheironlineservicesandsecuritymeasurestomeetcustomerexpectationsandstaycompetitiveintheevolvingfinanciallandscape.”（數(shù)字銀行趨勢是不可逆轉的，銀行將繼續(xù)大力投資于提升其在線服務和安全措施，以滿足客戶期望并在不斷變化的金融格局中保持競爭力）。這表明數(shù)字銀行將繼續(xù)發(fā)展，需要更多投資，故B選項“將繼續(xù)發(fā)展，需要更多在安全性和包容性上的投資”符合文意。第三部分：完形填空1.regarding*解析：句意“所有客戶都必須有一份有效的護照……他們的身份”。regarding（關于）符合此處表達“關于身份”的語義。2.provide*解析：句意“銀行……在線銀行服務以增強客戶便利”。provide（提供）符合此處動詞“提供服務”的語義。3.regarding*解析：句意“請?zhí)峤凰小J款申請所需的文件”。regarding（關于）符合此處表達“關于貸款申請”的語義。4.ensure*解析：句意“我們的團隊致力于……最高的客戶服務標準”。ensure（確保）符合此處動詞“確保”的語義。5.complex*解析：句意“導航……銀行法規(guī)可能對新客戶來說很具