2026年銀行校招英語閱讀模擬試題含答案Part1:MultipleChoice(每題2分，共10題)Instructions:Choosethebestanswer(A,B,C,orD)foreachquestionbasedonthepassageprovided.Passage1:Thebankingindustryisundergoingasignificanttransformationduetotechnologicaladvancementsandchangingcustomerexpectations.Traditionalbrick-and-mortarbanksareincreasinglyadoptingdigitalsolutionstoenhancecustomerexperience.Forinstance,manybanksnowoffermobilebankingappsthatallowcustomerstotransferfunds,paybills,andevenapplyforloansseamlessly.However,thisshiftalsoposeschallenges,suchastheneedforrobustcybersecuritymeasurestoprotectsensitivefinancialdata.Additionally,banksmustinvestinemployeetrainingtoensurestaffcaneffectivelyutilizenewtechnologieswhilemaintainingpersonalizedcustomerservice.1.Whatisthemainfocusofthepassage?A)Thehistoryofbanking.B)Theimpactoftechnologyonthebankingindustry.C)Theimportanceofemployeetraininginbanks.D)Thefutureoffinancialinstitutions.2.Howdomobilebankingappsbenefitcustomers?A)Theyreducetheneedforphysicalbranches.B)Theyprovidefasterloanapprovals.C)Theyeliminatetheneedforbanktellers.D)Theyofferlowerinterestrates.3.Whatchallengedoesthepassagementionforbanksadoptingdigitalsolutions?A)Highcustomeracquisitioncosts.B)Cybersecurityrisks.C)Decreasedprofitability.D)Increasedregulatoryscrutiny.4.Accordingtothepassage,whyisemployeetrainingimportant?A)Toreduceoperationalcosts.B)Toimprovecustomerservice.C)Tominimizestaffturnover.D)Toenhancemarketingefforts.5.Whatdoesthepassagesuggestaboutthefutureofbanking?A)Morephysicalbrancheswillopen.B)Digitalsolutionswillreplacetraditionalbanking.C)Bankswillfocussolelyonloans.D)Customerpreferenceswillremainunchanged.Part2:True/False/NotGiven(每題2分，共5題)Instructions:ReadthepassagecarefullyanddeterminewhethereachstatementisTrue(T),False(F),orNotGiven(NG).Passage2:RegionalbankinginChinahasseensteadygrowthoverthepastdecade,drivenbyurbanizationandincreasedfinancialinclusion.However,smallerregionalbanksoftenfacecompetitionfromlargernationalbanksandforeigninstitutions.Tostaycompetitive,regionalbanksarefocusingonnichemarkets,suchasruralfinanceandsmallbusinesslending.Regulatorypolicieshavealsoplayedacrucialrole,withthegovernmentencouragingbankstoexpandtheirservicestounderservedareas.Despitetheseefforts,regionalbanksstillstrugglewithlimitedresourcesandtechnologicalinfrastructurecomparedtotheirlargercounterparts.6.RegionalbanksinChinahaveexperiencedrapidgrowth.T/F/NG7.Largernationalbanksdominatethemarketmorethanforeigninstitutions.T/F/NG8.Regionalbanksaretargetingruralfinanceasagrowtharea.T/F/NG9.TheChinesegovernmentisactivelysupportingregionalbanks.T/F/NG10.Regionalbankshavebettertechnologicalinfrastructurethannationalbanks.T/F/NGPart3:GapFilling(每題2分，共5題)Instructions:Completethepassagebyfillingineachblankwithonewordfromthebox.Eachwordcanbeusedonlyonce.Box:digital,customer,services,competition,infrastructure,innovationPassage3:Modernbankingreliesheavilyon_______solutionstomeetcustomerneeds.Thesuccessofabankdependsonitsabilitytoprovideseamless_______andadapttomarketchanges.While_______isintense,banksthatfailtoinnovaterisklosingmarketshare.Additionally,strong_______isessentialtoensuresecuretransactions.Withoutproper_______,banksmaystruggletocompeteeffectivelyinthedigitalage.Part4:SummaryCompletion(每題2分，共5題)Instructions:CompletethesummarybelowusingNOMORETHANTHREEWORDSfromthepassage.Passage4:TheEuropeanbankingsectorisfacingamajorshiftasregulatorychangesandeconomicinstabilityimpactprofitability.Manybanksarecuttingcostsbyreducingbranchesandmergingoperations.Digitalbankingisbecomingincreasinglypopular,buttraditionalbanksmustadaptquicklytoremainrelevant.Customersatisfactionremainsatoppriority,andbanksareinvestinginonlineplatformstoimproveserviceefficiency.However,theriseoffintechcompaniesposesasignificantthreattoestablishedinstitutions.Summary:1.Regulatorychangesare_______banks’profitability.2.Digitalbankingis_______inEurope.3.Fintechcompaniesare_______traditionalbanks.4.Customersatisfactionis_______.5.Banksareinvestingin_______tostaycompetitive.Part5:Matching(每題2分，共5題)Instructions:Matcheachparagraphheading(A-E)withthecorrectparagraph(1-5).ParagraphHeadings:A)TheRoleofTechnologyB)RegulatoryChallengesC)Customer-CentricStrategiesD)RegionalBankGrowthE)FutureOutlookParagraphs:1.Thebankingindustryisrapidlyadoptingdigitaltoolstoimproveefficiencyandcustomerexperience.Artificialintelligence,blockchain,andmobilebankingappsaretransforminghowbanksoperate.However,thisshiftalsorequiressignificantinvestmentincybersecurityandemployeetraining.2.Governmentsworldwideareimplementingstricterregulationstoensurefinancialstability.Thesemeasuresincludecapitalrequirements,liquidityrules,andanti-moneylaunderingprotocols.Whileregulationsprotectconsumers,theycanalsolimitbanks’flexibilityinlending.3.Toretaincustomers,banksmustfocusonpersonalizedservices.Thisincludesofferingtailoredfinancialproducts,24/7customersupport,andseamlessdigitalexperiences.Companiesthatfailtomeettheseexpectationsrisklosingmarketshare.4.Inemergingmarkets,regionalbanksareexpandingtheiroperationsbytargetingunderservedcommunities.Thesebanksoftenspecializeinmicrofinance,rurallending,andsmallbusinesssupport.Despitechallenges,regionalbanksaregainingtractionduetotheirlocalexpertise.5.Thefutureofbankingwilllikelybeshapedbytechnologicalinnovationandevolvingcustomerpreferences.Banksthatsuccessfullyadapttothesechangeswillthrive,whilethosethatresisttransformationmayfacedecline.AnswerKeyandExplanationPart1:MultipleChoice1.BExplanation:Thepassageprimarilydiscusseshowtechnologyisinfluencingthebankingindustry.2.AExplanation:Thepassagementionsthatmobilebankingappsallowcustomerstoperformtransactionswithoutvisitingphysicalbranches.3.BExplanation:Thetextexplicitlystatesthatcybersecurityisamajorchallengeforbanksadoptingdigitalsolutions.4.BExplanation:Employeetrainingishighlightedascrucialformaintainingpersonalizedcustomerservicealongsidenewtechnologies.5.BExplanation:Thepassageimpliesthatdigitalsolutionswillcontinuetoplayacentralrole