2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(5卷)2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(篇1)【題干1】IfIhadknownthemeetingwascanceled,I______havepreparedthereportinadvance.【選項(xiàng)】A.wouldhavedoneB.woulddoC.wouldhavedoneitD.woulddoit【參考答案】A【詳細(xì)解析】本題考查虛擬語(yǔ)氣中的與過(guò)去事實(shí)相反的假設(shè)。當(dāng)條件句使用過(guò)去完成時(shí)（hadknown），主句應(yīng)用wouldhavedone結(jié)構(gòu)。選項(xiàng)B和D為一般現(xiàn)在時(shí)，不符合時(shí)態(tài)要求；選項(xiàng)C雖包含完成時(shí)，但缺少助動(dòng)詞have，語(yǔ)法錯(cuò)誤?！绢}干2】Thestudy,______waspublishedlastmonth,revealssignificantchangesinconsumerbehavior.【選項(xiàng)】A.whichB.whatC.whenD.where【參考答案】A【詳細(xì)解析】空格處需填入非限定性定語(yǔ)從句的關(guān)系代詞，修飾整個(gè)主語(yǔ)“thestudy”。關(guān)系代詞which指代整個(gè)主句內(nèi)容，when指時(shí)間，where指地點(diǎn)，均不符合語(yǔ)境。非限定性定語(yǔ)從句用逗號(hào)隔開，補(bǔ)充說(shuō)明研究本身?！绢}干3】Hesuggestedthattheproblem______beaddressedimmediatelytoavoidfurtherloss.【選項(xiàng)】A.isaddressedB.beaddressedC.wasaddressedD.hasbeenaddressed【參考答案】B【詳細(xì)解析】that從句中作賓語(yǔ)從句時(shí)，動(dòng)詞需用原形保持與主句時(shí)態(tài)一致。主句動(dòng)詞suggest后接動(dòng)詞原形，從句動(dòng)詞用原形beaddressed。選項(xiàng)A主謂不一致（is/should），C和D時(shí)態(tài)錯(cuò)誤（過(guò)去式和完成式）。【題干4】Onlybyimprovingservicequality______thebankcanretainitscustomers.【選項(xiàng)】A.willitB.coulditC.woulditD.mightit【參考答案】A【詳細(xì)解析】only引導(dǎo)的狀語(yǔ)位于句首時(shí)，需用部分倒裝結(jié)構(gòu)，主句動(dòng)詞用情態(tài)動(dòng)詞+原形。根據(jù)語(yǔ)境“改善服務(wù)”是銀行保持客戶的前提條件，應(yīng)使用情態(tài)動(dòng)詞will表示必然性。選項(xiàng)B和D表推測(cè)，C表假設(shè)，均不符合語(yǔ)境?！绢}干5】Thefinancialcrisis,______impactlastedforyears,forcedmanybankstorestructuringtheiroperations.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】空格處需填入非限定性定語(yǔ)從句的關(guān)系代詞，修飾“financialcrisis”這一抽象名詞。whose指代前面名詞的所有格，符合語(yǔ)法規(guī)則；which指代具體事物，when指時(shí)間，均不合適?！绢}干6】Bytheendof2024,______85%ofthebank'sloanswillbedigitalized.【選項(xiàng)】A.itisexpectedthatB.itisexpectedthatC.beexpectedtoD.beingexpectedto【參考答案】A【詳細(xì)解析】it作形式主語(yǔ)的從句中，動(dòng)詞需用原形保持與主句時(shí)態(tài)一致。主句為將來(lái)時(shí)（willbe），從句動(dòng)詞用原形isexpected。選項(xiàng)B缺少it，C和D為非謂語(yǔ)形式，不符合語(yǔ)法結(jié)構(gòu)?！绢}干7】Themanager,______speechwaswell-receivedbyemployees,waspromotedtodeputydirector.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“themanager”這一人物，whose指代其所有格（themanager'sspeech），符合邏輯。which指代事物，when指時(shí)間，均不適用?！绢}干8】Ifyou______moreattentiontoriskmanagement,thepotentiallossescouldbeminimized.【選項(xiàng)】A.payB.paidC.wouldpayD.pays【參考答案】B【詳細(xì)解析】if條件句中，若主句為情態(tài)動(dòng)詞（could）或一般現(xiàn)在時(shí)（pays），從句需用過(guò)去式表示與現(xiàn)在事實(shí)相反的假設(shè)。此處主句為couldminimize，從句應(yīng)用過(guò)去式pay。選項(xiàng)A和D為一般現(xiàn)在時(shí)，C為虛擬語(yǔ)氣結(jié)構(gòu)，均不適用?！绢}干9】Thereport,______datawascollectedfrom10regionalbranches,wassubmittedtotheboard.【選項(xiàng)】A.whichB.whenC.whereD.whose【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾整個(gè)主語(yǔ)“thereport”，which指代報(bào)告內(nèi)容。when指時(shí)間，where指地點(diǎn)，whose指代所有格，均不符合語(yǔ)境?！绢}干10】Thenewpolicy,______implementationwasdelayedbytechnicalissues,hasbeeneffectivesinceJuly.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“thenewpolicy”，whose指代其所有格（thepolicy'simplementation）。which指代具體事物，when指時(shí)間，均不適用?！绢}干11】Despitetheeconomicdownturn,______profitsincreasedby12%lastquarter.【選項(xiàng)】A.whichB.thatC.whoseD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾整個(gè)主句，which指代前面整個(gè)從句的內(nèi)容。that不能引導(dǎo)非限定性定語(yǔ)從句，whose指代所有格，when指時(shí)間，均不適用。【題干12】Itis______thatthebank'sonlineplatformwillbeupgradedbytheendofthisyear.【選項(xiàng)】A.predictedB.predictedthatC.predictedtoD.beingpredictedto【參考答案】B【詳細(xì)解析】it作形式主語(yǔ)的從句中，動(dòng)詞需用原形保持與主句時(shí)態(tài)一致。主句為一般現(xiàn)在時(shí)（is），從句動(dòng)詞用原形predicted。選項(xiàng)C和D為非謂語(yǔ)形式，不符合語(yǔ)法結(jié)構(gòu)。【題干13】Thecustomerservicehotline,______numberis95566,isavailable24hoursaday.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“thecustomerservicehotline”，whose指代其所有格（thehotline'snumber）。which指代事物，when指時(shí)間，均不適用?！绢}干14】BycombiningAIandbigdata,______efficiencyincustomerservicehasimprovedsignificantly.【選項(xiàng)】A.thebank'sB.whichC.thatD.whose【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“thebank'sefficiency”，which指代具體事物（efficiency），而此處需用thebank'swhose（thebank'swhoseefficiency）但語(yǔ)法錯(cuò)誤，正確答案為A，主句省略了“thebank's”，通過(guò)上下文邏輯關(guān)聯(lián)?！绢}干15】IfI______morecarefully,I______haveavoidedthemistake.【選項(xiàng)】A.hadpaidB.paidC.wouldpayD.pays【參考答案】B【詳細(xì)解析】虛擬語(yǔ)氣中，若主句為wouldhavedone（haveavoided），從句需用過(guò)去完成時(shí)（hadpaid）。選項(xiàng)A時(shí)態(tài)重復(fù)（hadhad），C和D為一般時(shí)態(tài)，不符合語(yǔ)法規(guī)則?！绢}干16】Thecontract,______signingdatewaspostponed,requiresbothpartiestoreachconsensus.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“thecontract”，whose指代其所有格（thecontract'ssigningdate）。which指代事物，when指時(shí)間，均不適用?！绢}干17】Theboardapprovedtheproposal,______implementationcostsapproximately$5million.【選項(xiàng)】A.whichB.thatC.whoseD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“theproposal”，which指代前面整個(gè)從句的內(nèi)容。that不能引導(dǎo)非限定性定語(yǔ)從句，whose指代所有格，when指時(shí)間，均不適用?！绢}干18】Despiteinitialsetbacks,______salesexceededexpectationsby15%.【選項(xiàng)】A.whichB.thatC.whoseD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾整個(gè)主句，which指代前面整個(gè)從句的內(nèi)容。that不能引導(dǎo)非限定性定語(yǔ)從句，whose指代所有格，when指時(shí)間，均不適用?！绢}干19】Theresearch,______findingswerepublishedintheJournalofFinance,receivedwideacclaim.【選項(xiàng)】A.whoseB.whichC.thatD.when【參考答案】A【詳細(xì)解析】非限定性定語(yǔ)從句修飾“theresearch”，whose指代其所有格（theresearch'sfindings）。which指代具體事物，when指時(shí)間，均不適用。【題干20】Iftheinterestrate______raised,theinflationratemightdecrease.【選項(xiàng)】A.israisedB.wereraisedC.wouldberaisedD.hasbeenraised【參考答案】B【詳細(xì)解析】虛擬語(yǔ)氣中，若主句為一般現(xiàn)在時(shí)（mightdecrease），從句需用過(guò)去式（wereraised）。選項(xiàng)A和D為一般現(xiàn)在時(shí)和完成式，C為虛擬語(yǔ)氣結(jié)構(gòu)，均不符合語(yǔ)法規(guī)則。2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(篇2)【題干1】根據(jù)上下文邏輯，"銀行建議客戶申請(qǐng)貸款時(shí)，應(yīng)確保信用記錄良好"應(yīng)使用哪種語(yǔ)法結(jié)構(gòu)？【選項(xiàng)】A.Ifclientsapplyforaloan,theyshouldhaveagoodcredithistoryB.Ifclientsapplyforaloan,theyshouldhavehadagoodcredithistoryC.Ifclientshadappliedforaloan,theyshouldhavehadagoodcredithistoryD.Ifclientswillapplyforaloan,theywillhaveagoodcredithistory【參考答案】B【詳細(xì)解析】本題考查虛擬語(yǔ)氣在條件句中的用法。題干描述的是與現(xiàn)在事實(shí)相反的假設(shè)，正確選項(xiàng)B使用過(guò)去式（shouldhavedone）表示建議或義務(wù)，符合第一類條件句（現(xiàn)實(shí)情況）的語(yǔ)法規(guī)則。選項(xiàng)A使用一般現(xiàn)在時(shí)不符合虛擬語(yǔ)氣要求；選項(xiàng)C為混合虛擬（與過(guò)去事實(shí)相反），選項(xiàng)D為混合虛擬（與將來(lái)事實(shí)相反），均與題干時(shí)態(tài)不符。【題干2】"盡管利率上升，銀行仍保持客戶滿意度"中劃線部分應(yīng)填入哪個(gè)固定搭配？【選項(xiàng)】A.despitetheincreaseininterestrates,thebankremainedsatisfiedwithcustomersB.althoughtheinterestrateswereincreased,thebankwassatisfiedwithcustomersC.inspiteofrisinginterestrates,thebankwassatisfiedwiththeclientsD.becauseoftheriseininterestrates,thebankremainedsatisfiedwithclients【參考答案】C【詳細(xì)解析】本題考查固定介詞搭配和時(shí)態(tài)選擇。固定搭配"remainsatisfiedwith"需與"theclients"搭配，排除選項(xiàng)A（satisfiedwithcustomers未使用定冠詞）。選項(xiàng)B時(shí)態(tài)錯(cuò)誤（wereincreased與題干"仍保持"矛盾），選項(xiàng)D因果邏輯錯(cuò)誤（利率上升應(yīng)降低滿意度）。選項(xiàng)C正確使用"inspiteof"和過(guò)去完成時(shí)（wassatisfied）體現(xiàn)利率上升前后的對(duì)比?！绢}干3】"完成項(xiàng)目后提交報(bào)告"的正確非謂語(yǔ)動(dòng)詞形式是？【選項(xiàng)】A.havingfinishedtheproject,submitthereportB.finishedtheproject,submittingthereportC.finishingtheproject,wesubmitthereportD.tofinishtheproject,submittingthereport【參考答案】A【詳細(xì)解析】本題考查分詞作狀語(yǔ)的邏輯主語(yǔ)一致性。選項(xiàng)A"havingfinished"與主句"submit"存在動(dòng)作先后關(guān)系，且邏輯主語(yǔ)一致（項(xiàng)目完成→提交報(bào)告）。選項(xiàng)B缺少邏輯主語(yǔ)，分詞短語(yǔ)無(wú)法獨(dú)立表意；選項(xiàng)C使用一般現(xiàn)在時(shí)不符合非謂語(yǔ)作狀語(yǔ)要求；選項(xiàng)D不定式與分詞結(jié)構(gòu)重復(fù)?！绢}干4】"銀行對(duì)客戶資產(chǎn)進(jìn)行嚴(yán)格審查"中"審查"的準(zhǔn)確翻譯是？【選項(xiàng)】A.examinethecustomer'sassetsB.inspectthecustomer'sassetsC.auditthecustomer'sassetsD.reviewthecustomer'sassets【參考答案】C【詳細(xì)解析】本題考查金融專業(yè)術(shù)語(yǔ)。審計(jì)（audit）指對(duì)財(cái)務(wù)報(bào)表的全面檢查，符合銀行業(yè)資產(chǎn)審查的正式性要求。選項(xiàng)Aexamine（檢查）和Dreview（復(fù)核）程度較輕；選項(xiàng)Binspect（視察）多用于現(xiàn)場(chǎng)檢查。真題中"嚴(yán)格審查"對(duì)應(yīng)審計(jì)流程。【題干5】"若客戶未按時(shí)還款，銀行將收取違約金"屬于哪種條件句類型？【選項(xiàng)】A.第一類條件句（與現(xiàn)在事實(shí)相反）B.第二類條件句（與過(guò)去事實(shí)相反）C.第三類條件句（與將來(lái)事實(shí)相反）D.混合條件句【參考答案】C【詳細(xì)解析】本題考查條件句分類。題干描述的是將來(lái)可能發(fā)生的假設(shè)（客戶未還款），應(yīng)使用第三類條件句（if+一般現(xiàn)在時(shí)，主句will+動(dòng)詞原形）。選項(xiàng)A為第一類條件句（與現(xiàn)在事實(shí)相反），選項(xiàng)B為第二類條件句（與過(guò)去事實(shí)相反），選項(xiàng)D無(wú)明確混合時(shí)態(tài)特征?！绢}干6】"銀行建議客戶分散投資以降低風(fēng)險(xiǎn)"中"分散投資"的正確表達(dá)是？【選項(xiàng)】A.diversifyinvestmentB.spreadinvestmentC.distributeinvestmentsD.diversifyinvestments【參考答案】A【詳細(xì)解析】本題考查固定短語(yǔ)搭配。"diversifyinvestment"為金融專業(yè)術(shù)語(yǔ)，表示投資組合多樣化。選項(xiàng)Bspreadinvestment（分散投資）口語(yǔ)化且不符合專業(yè)表述；選項(xiàng)Cdistributeinvestments（分配投資）側(cè)重資產(chǎn)分配而非風(fēng)險(xiǎn)控制；選項(xiàng)Dinvestments可數(shù)名詞需加復(fù)數(shù)，但搭配仍不準(zhǔn)確?！绢}干7】"根據(jù)央行最新政策，銀行存款利率上調(diào)0.5%"中"上調(diào)"的準(zhǔn)確翻譯是？【選項(xiàng)】A.increaseB.raiseC.adjustD.modify【參考答案】B【詳細(xì)解析】本題考查動(dòng)詞搭配。"raise"特指利率、價(jià)格等數(shù)值的上漲，符合題干語(yǔ)境。選項(xiàng)Aincrease為普通用詞，選項(xiàng)Cadjust（調(diào)整）和Dmodify（修改）未體現(xiàn)上漲含義。【題干8】"銀行與科技公司合作開發(fā)智能風(fēng)控系統(tǒng)"中"合作開發(fā)"的正確非謂語(yǔ)形式是？【選項(xiàng)】A.collaboratingwithtechcompaniestodevelopB.havingcollaboratedwithtechcompaniestodevelopC.havingcollaboredwithtechcompaniestodevelopD.collaboringwithtechcompaniestodevelop【參考答案】A【詳細(xì)解析】本題考查現(xiàn)在分詞作伴隨狀語(yǔ)。主句為完成時(shí)（havedeveloped），但題干強(qiáng)調(diào)合作開發(fā)的持續(xù)性，需用現(xiàn)在分詞表同時(shí)性。選項(xiàng)B時(shí)態(tài)矛盾（havingcollaborated與developing不一致）；選項(xiàng)Ccollabored為過(guò)去式錯(cuò)誤；選項(xiàng)D動(dòng)名詞形式（collaboring）語(yǔ)法錯(cuò)誤?！绢}干9】"銀行要求客戶簽署電子協(xié)議時(shí)需雙因素認(rèn)證"中"雙因素認(rèn)證"的正確翻譯是？【選項(xiàng)】A.two-factorauthenticationB.dual-factorverificationC.double-factoridentificationD.biometricauthentication【參考答案】A【詳細(xì)解析】本題考查專業(yè)術(shù)語(yǔ)。金融領(lǐng)域標(biāo)準(zhǔn)術(shù)語(yǔ)為"two-factorauthentication"，指密碼+生物識(shí)別等雙重驗(yàn)證。選項(xiàng)Bdual-factorverification（雙因素驗(yàn)證）非標(biāo)準(zhǔn)表述；選項(xiàng)Cdouble-factoridentification（雙因素識(shí)別）側(cè)重識(shí)別而非驗(yàn)證；選項(xiàng)D僅生物識(shí)別，不完整。【題干10】"銀行年報(bào)顯示不良貸款率同比下降2.3%"中"同比下降"的正確表達(dá)是？【選項(xiàng)】A.decreaseby2.3%comparedwithlastyearB.decreaseby2.3%comparedtolastyearC.decreaseby2.3%comparedwiththepreviousyearD.decreaseby2.3%comparedwiththeformeryear【參考答案】A【詳細(xì)解析】本題考查固定比較級(jí)搭配。"comparedwith"用于同類事物對(duì)比，"lastyear"為時(shí)間狀語(yǔ)，符合題干語(yǔ)境。選項(xiàng)Bto（介詞誤用）；選項(xiàng)Cthepreviousyear（更正式，但非錯(cuò)誤）；選項(xiàng)Dformeryear（不常用）。【題干11】"銀行客戶經(jīng)理應(yīng)定期更新反洗錢培訓(xùn)記錄"中"更新"的正確非謂語(yǔ)形式是？【選項(xiàng)】A.updatingtheanti-moneylaunderingtrainingrecordsB.havingupdatedtheanti-moneylaunderingtrainingrecordsC.toupdatetheanti-moneylaunderingtrainingrecordsD.updatedtheanti-moneylaunderingtrainingrecords【參考答案】A【詳細(xì)解析】本題考查現(xiàn)在分詞作定語(yǔ)。修飾"記錄"，需用現(xiàn)在分詞表主動(dòng)關(guān)系。選項(xiàng)B完成時(shí)態(tài)與主句邏輯不符；選項(xiàng)C不定式表目的，與題干"應(yīng)定期更新"的客觀事實(shí)矛盾；選項(xiàng)D過(guò)去式作定語(yǔ)需加關(guān)系代詞（如thatupdated）。【題干12】"銀行將推出跨境人民幣結(jié)算服務(wù)"中"推出"的準(zhǔn)確翻譯是？【選項(xiàng)】A.launchB.introduceC.implementD.establish【參考答案】A【詳細(xì)解析】本題考查動(dòng)詞搭配。"launch"專指新產(chǎn)品或服務(wù)的正式發(fā)布，符合題干語(yǔ)境。選項(xiàng)Bintroduce（引入）側(cè)重過(guò)程；選項(xiàng)Cimplement（實(shí)施）強(qiáng)調(diào)執(zhí)行；選項(xiàng)Destablish（建立）側(cè)重機(jī)構(gòu)設(shè)立?！绢}干13】"根據(jù)客戶信用評(píng)分，銀行決定拒絕貸款申請(qǐng)"中"決定拒絕"的正確表達(dá)是？【選項(xiàng)】A.decidedtorejectB.determinedtorejectC.concludedtorejectD.resolvedtoreject【參考答案】B【詳細(xì)解析】本題考查動(dòng)詞搭配。"determinedtodo"表示經(jīng)過(guò)審慎考慮后做出決定，符合銀行正式?jīng)Q策流程。選項(xiàng)Adecided為普通決定；選項(xiàng)Cconcluded（得出結(jié)論）側(cè)重結(jié)果；選項(xiàng)Dresolved（決心）強(qiáng)調(diào)主觀意愿?！绢}干14】"銀行要求客戶在ATM機(jī)取款時(shí)遵守安全指引"中"遵守"的正確翻譯是？【選項(xiàng)】A.complywithB.followC.observeD.adhereto【參考答案】A【詳細(xì)解析】本題考查固定搭配。"complywithregulations"為法律文件標(biāo)準(zhǔn)表述，符合題干正式語(yǔ)境。選項(xiàng)Bfollow（跟隨）側(cè)重行動(dòng)；選項(xiàng)Cobserve（觀察）側(cè)重注意；選項(xiàng)Dadhereto（遵守）需接具體對(duì)象（如adheretorules）。【題干15】"銀行將召開線上會(huì)議討論季度財(cái)務(wù)報(bào)告"中"召開"的正確翻譯是？【選項(xiàng)】A.holdB.conductC.organizeD.arrange【參考答案】A【詳細(xì)解析】本題考查動(dòng)詞搭配。"holdameeting"為固定短語(yǔ)，符合銀行會(huì)議用語(yǔ)習(xí)慣。選項(xiàng)Bconduct（主持）側(cè)重過(guò)程；選項(xiàng)Corganize（組織）側(cè)重前期籌備；選項(xiàng)Darrange（安排）側(cè)重時(shí)間地點(diǎn)確定?！绢}干16】"銀行對(duì)可疑交易進(jìn)行實(shí)時(shí)監(jiān)控并上報(bào)"中"監(jiān)控"的正確翻譯是？【選項(xiàng)】A.monitorB.trackC.traceD.supervise【參考答案】A【詳細(xì)解析】本題考查專業(yè)術(shù)語(yǔ)。"real-timemonitoring"為反洗錢標(biāo)準(zhǔn)流程，監(jiān)控（monitor）指持續(xù)觀察，跟蹤（track）側(cè)重路徑跟隨，追蹤（trace）強(qiáng)調(diào)尋找來(lái)源，監(jiān)督（supervise）側(cè)重管理?！绢}干17】"銀行年報(bào)披露了2023年凈利潤(rùn)增長(zhǎng)15%"中"披露"的正確翻譯是？【選項(xiàng)】A.discloseB.revealC.publishD.announce【參考答案】A【詳細(xì)解析】本題考查動(dòng)詞搭配。"disclosefinancialinformation"為年報(bào)標(biāo)準(zhǔn)術(shù)語(yǔ)，側(cè)重公開披露敏感信息。選項(xiàng)Breveal（揭示）側(cè)重發(fā)現(xiàn)；選項(xiàng)Cpublish（出版）側(cè)重發(fā)行；選項(xiàng)Dannounce（宣布）側(cè)重正式聲明?！绢}干18】"銀行要求客戶使用動(dòng)態(tài)密碼進(jìn)行身份驗(yàn)證"中"動(dòng)態(tài)密碼"的正確翻譯是？【選項(xiàng)】A.dynamicpasswordB.temporarypasswordC.rotatingpasswordD.variablepassword【參考答案】A【詳細(xì)解析】本題考查專業(yè)術(shù)語(yǔ)。"dynamicpassword"指每次登錄生成的不同密碼，符合金融安全標(biāo)準(zhǔn)。選項(xiàng)Btemporarypassword（臨時(shí)密碼）側(cè)重時(shí)間限制；選項(xiàng)Crotatingpassword（輪換密碼）側(cè)重周期性更新；選項(xiàng)Dvariablepassword（可變密碼）非標(biāo)準(zhǔn)表述?！绢}干19】"銀行與監(jiān)管機(jī)構(gòu)合作完善內(nèi)控體系"中"完善"的正確非謂語(yǔ)形式是？【選項(xiàng)】A.perfectingtheinternalcontrolsystemB.havingperfectedtheinternalcontrolsystemC.toperfecttheinternalcontrolsystemD.perfectedtheinternalcontrolsystem【參考答案】A【詳細(xì)解析】本題考查現(xiàn)在分詞作伴隨狀語(yǔ)。主句為"合作"，分詞短語(yǔ)表目的，需用現(xiàn)在分詞表主動(dòng)關(guān)系。選項(xiàng)B完成時(shí)態(tài)與主句邏輯矛盾；選項(xiàng)C不定式表目的，與題干并列結(jié)構(gòu)不符；選項(xiàng)D過(guò)去式作狀語(yǔ)需加關(guān)系代詞（如thatperfected）?！绢}干20】"銀行客戶投訴處理流程需在24小時(shí)內(nèi)閉環(huán)"中"閉環(huán)"的正確翻譯是？【選項(xiàng)】A.closetheloopB.completethecircleC.finalizetheprocessD.terminatethecycle【參考答案】A【詳細(xì)解析】本題考查專業(yè)術(shù)語(yǔ)。"closetheloop"為流程管理標(biāo)準(zhǔn)表達(dá)，指從開始到結(jié)束形成完整循環(huán)。選項(xiàng)Bcompletethecircle（完成圓圈）側(cè)重形狀；選項(xiàng)Cfinalizetheprocess（完成流程）未體現(xiàn)閉環(huán)概念；選項(xiàng)Dterminatethecycle（終止循環(huán)）與題干要求矛盾。2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(篇3)【題干1】根據(jù)上下文，"Thebank'snewpolicyhasbeenimplementedtoreduceoperationalrisks"中"implemented"最可能的意思是？【選項(xiàng)】A.宣布B.執(zhí)行C.解釋D.拒絕【參考答案】B【詳細(xì)解析】"Implement"在金融語(yǔ)境中常指將政策或計(jì)劃實(shí)際執(zhí)行，如銀行推行新政策即用"implement"。A項(xiàng)"宣布"對(duì)應(yīng)"announce"，C項(xiàng)"解釋"對(duì)應(yīng)"explain"，D項(xiàng)"拒絕"對(duì)應(yīng)"reject"，均與上下文邏輯矛盾?！绢}干2】Whichphrasebestfitsinthesentence:"Theloanofficeremphasizedtheimportanceof..."?【選項(xiàng)】A.accuratedocumentationB.detailedanalysisC.strictcomplianceD.earlyrepayment【參考答案】A【詳細(xì)解析】"Loanofficer"（貸款官員）的職責(zé)涉及文件審核，"documentation"（文件資料）是銀行業(yè)務(wù)核心術(shù)語(yǔ)。B項(xiàng)"詳細(xì)分析"對(duì)應(yīng)"thoroughanalysis"，C項(xiàng)"嚴(yán)格合規(guī)"對(duì)應(yīng)"strictcompliance"，D項(xiàng)"提前還款"對(duì)應(yīng)"earlyrepayment"，均不符合語(yǔ)境?！绢}干3】Ifthesentence"Iftheinterestratehadrisen,theprojectwouldhavebeenapproved"istrue,whatisthemostlikelymeaning?【選項(xiàng)】A.利率上升導(dǎo)致項(xiàng)目被批準(zhǔn)B.利率未升導(dǎo)致項(xiàng)目被拒絕C.利率上升本應(yīng)阻止項(xiàng)目D.利率未升使項(xiàng)目得以通過(guò)【參考答案】D【詳細(xì)解析】虛擬語(yǔ)氣結(jié)構(gòu)"Had+過(guò)去分詞"表示與現(xiàn)在事實(shí)相反，正確邏輯是"利率未上升（實(shí)際未發(fā)生）→項(xiàng)目被批準(zhǔn)（實(shí)際結(jié)果）"。A項(xiàng)邏輯矛盾，C項(xiàng)時(shí)態(tài)錯(cuò)誤，B項(xiàng)因果倒置?！绢}干4】Whichsentenceusesthecorrectcomparativedegree?【選項(xiàng)】A.TheinterestrateismorehigherthanlastyearB.Thisbank'sserviceismostconvenientinthecityC.TheloantermsaremoreflexiblethanthoseD.Interestrateshaveincreasedthemostthisdecade【參考答案】C【詳細(xì)解析】C項(xiàng)"moreflexible"符合比較級(jí)規(guī)則（形容詞比較級(jí)+than），D項(xiàng)"themost"需修飾最高級(jí)形容詞（如"thehighest"）。A項(xiàng)重復(fù)使用"more"，B項(xiàng)"most"前缺少比較對(duì)象（應(yīng)加"thanotherbanks"）?！绢}干5】Whatisthefunctionoftheunderlinedword"provision"inthesentence:"Thebankmadeprovisionsforpotentialloandefaults"?【選項(xiàng)】A.抵押品B.準(zhǔn)備金C.法律條款D.債務(wù)憑證【參考答案】B【詳細(xì)解析】"Provision"在銀行業(yè)特指風(fēng)險(xiǎn)準(zhǔn)備金，如《巴塞爾協(xié)議》要求銀行計(jì)提"provisionforloanlosses"。A項(xiàng)"抵押品"對(duì)應(yīng)"collateral"，C項(xiàng)"法律條款"對(duì)應(yīng)"regulation"，D項(xiàng)"債務(wù)憑證"對(duì)應(yīng)"debtinstrument"?！绢}干6】Whichsentencecontainsacorrectparticiplephrase?【選項(xiàng)】A.Walkinginthepark,IsawabirdB.Havingfinishedthereport,heleftC.ThebookinterestinglywrittenbytheexpertD.Listeningtomusic,shefellasleep【參考答案】B【詳細(xì)解析】B項(xiàng)"Havingfinished..."為現(xiàn)在分詞完成式表時(shí)間狀語(yǔ)，邏輯正確。A項(xiàng)"walking"與主句主語(yǔ)"I"不一致（應(yīng)改為"whilewalking"）。C項(xiàng)缺少動(dòng)詞，應(yīng)改為"Thebookwritten..."。D項(xiàng)"listening"與主句動(dòng)作"fellasleep"無(wú)邏輯主語(yǔ)關(guān)聯(lián)。【題干7】Whichgrammarstructureisusedin"Thebank'sdecisiontomergehasbeenwidelydiscussed"?【選項(xiàng)】A.祈使句B.從句引導(dǎo)詞C.賓語(yǔ)補(bǔ)足語(yǔ)D.非謂語(yǔ)動(dòng)詞【參考答案】C【詳細(xì)解析】"Tomerge"是非謂語(yǔ)動(dòng)詞作賓語(yǔ)補(bǔ)足語(yǔ)，結(jié)構(gòu)為"主語(yǔ)+decide+todo"。A項(xiàng)"decide"后接動(dòng)詞原形（如"decidetomerge"），B項(xiàng)需接從句（如"thatthebankshouldmerge"），D項(xiàng)"hasbeendiscussed"為主謂結(jié)構(gòu)?！绢}干8】Whatisthemeaningof"non-performingloans"inbanking?【選項(xiàng)】A.提前還款B.額外費(fèi)用C.壞賬D.存款利息【參考答案】C【詳細(xì)解析】"Non-performingloans"（不良貸款）指無(wú)法按期收回的貸款，是國(guó)際銀行業(yè)的通用術(shù)語(yǔ)。A項(xiàng)"提前還款"對(duì)應(yīng)"earlyrepayment"，B項(xiàng)"額外費(fèi)用"對(duì)應(yīng)"processingfee"，D項(xiàng)"存款利息"對(duì)應(yīng)"interestincome"?！绢}干9】Whichsentenceusesthecorrecttenseforfutureevents?【選項(xiàng)】A.ThebankwillopenanewbranchnextyearB.ThemeetingbeingheldtomorrowwillfocusonC.WehavediscussedtheplanyesterdayD.Sheshouldhavereportedtheissueearlier【參考答案】A【詳細(xì)解析】A項(xiàng)"willopen"正確表達(dá)未來(lái)計(jì)劃。B項(xiàng)"beingheld"為現(xiàn)在進(jìn)行時(shí)表將來(lái)，但主句缺失（需"willfocus"）。C項(xiàng)"havediscussed"為現(xiàn)在完成時(shí)，與"yesterday"時(shí)間矛盾。D項(xiàng)"shouldhave"為完成建議，與"earlier"時(shí)間矛盾?！绢}干10】Whichphraseindicatesachronologicalorder?【選項(xiàng)】A.asaresultB.howeverC.inadditionD.subsequently【參考答案】D【詳細(xì)解析】"Subsequently"（隨后）明確表示時(shí)間順序，常見于銀行報(bào)告的時(shí)間線描述。A項(xiàng)表結(jié)果，B項(xiàng)表轉(zhuǎn)折，C項(xiàng)表補(bǔ)充?！绢}干11】Whatisthepurposeof"risk-weightedassets"inbanking?【選項(xiàng)】A.計(jì)算準(zhǔn)備金B(yǎng).評(píng)估信用風(fēng)險(xiǎn)C.計(jì)算存款總額D.稅收申報(bào)【參考答案】B【詳細(xì)解析】"Risk-weightedassets"（風(fēng)險(xiǎn)加權(quán)資產(chǎn)）用于計(jì)算資本充足率，反映不同資產(chǎn)的風(fēng)險(xiǎn)程度。A項(xiàng)對(duì)應(yīng)"capitaladequacyratio"，C項(xiàng)為"totaldeposits"，D項(xiàng)為"taxfiling"。【題干12】Whichsentenceusesthepassivevoicecorrectly?【選項(xiàng)】A.TheboardapprovedthemergeryesterdayB.TheloanapplicationwasrejectedbythecommitteeC.SheisbeinginterviewedbytheHRdepartmentD.Theinterestratehasbeenincreasedbythecentralbank【參考答案】B【詳細(xì)解析】B項(xiàng)被動(dòng)語(yǔ)態(tài)正確，強(qiáng)調(diào)"委員會(huì)"執(zhí)行動(dòng)作。C項(xiàng)被動(dòng)語(yǔ)態(tài)缺少執(zhí)行者（應(yīng)加"bythecommittee"）。D項(xiàng)被動(dòng)語(yǔ)態(tài)時(shí)態(tài)錯(cuò)誤（應(yīng)為"hasbeenraised"）?！绢}干13】Whatdoes"liability"meaninfinancialstatements?【選項(xiàng)】A.資產(chǎn)負(fù)債表B.資產(chǎn)總額C.債務(wù)總額D.凈利潤(rùn)【參考答案】C【詳細(xì)解析】"Liability"（負(fù)債）是資產(chǎn)負(fù)債表核心要素，包括存款、貸款等債務(wù)。A項(xiàng)"資產(chǎn)負(fù)債表"是報(bào)表名稱，B項(xiàng)"資產(chǎn)總額"對(duì)應(yīng)"totalassets"，D項(xiàng)"凈利潤(rùn)"對(duì)應(yīng)"netprofit"?！绢}干14】Whichsentenceusesthecorrectprepositionwith"default"?【選項(xiàng)】A.adefaultontheloanB.adefaultoftheloanC.adefaulttotheloanD.adefaultwiththeloan【參考答案】A【詳細(xì)解析】固定搭配為"defaulton（對(duì)...違約）"，如"defaultonpayment"。B項(xiàng)"of"表所屬，C項(xiàng)"to"表方向，D項(xiàng)"with"表伴隨，均不符合金融語(yǔ)境?！绢}干15】Whichsentencecontainsamisplacedmodifier?【選項(xiàng)】A.ThereportwrittenbytheteamwassubmittedB.Afteranalyzingthedata,themanagerapprovedC.TheloanofficercarefullyexamineddocumentsD.Theinterestrateraisedcausedconcern【參考答案】D【詳細(xì)解析】D項(xiàng)"raised"修飾"rate"正確，但"caused"的主語(yǔ)應(yīng)為"rate"，原句邏輯混亂。A項(xiàng)"written"修飾"report"正確，B項(xiàng)"analyzing"修飾"manager"正確，C項(xiàng)"carefully"修飾"examined"正確?！绢}干16】Whichsentenceusesthecorrectarticle?【選項(xiàng)】A.ThecentralbankhasraisedinterestrateB.AsignificantportionofthedepositC.AnincreaseintheloandemandD.Thenewpolicywillbeimplemented【參考答案】B【詳細(xì)解析】"Aportion"為可數(shù)名詞，需加冠詞"A"。C項(xiàng)"anincrease"錯(cuò)誤，因"increase"以輔音開頭。A項(xiàng)"rate"需加冠詞"A"，D項(xiàng)"policy"為特指需加"The"?！绢}干17】Whatdoes"non-interestincome"includeinbanking?【選項(xiàng)】A.存款利息B.貸款利息C.手續(xù)費(fèi)D.投資收益【參考答案】C【詳細(xì)解析】"Non-interestincome"（非利息收入）包括手續(xù)費(fèi)、代理業(yè)務(wù)收入等。A項(xiàng)"存款利息"屬于利息支出，B項(xiàng)"貸款利息"屬于利息收入，D項(xiàng)"投資收益"需區(qū)分是否為利息性質(zhì)?！绢}干18】Whichsentenceusesthecorrectconjunction?【選項(xiàng)】A.Althoughthemarketisunstable,thebankwillexpandB.ThebankexpandedalthoughthemarketwasunstableC.ThebankwillexpandunlessthemarketisunstableD.Thebankexpandedwhenthemarketwasunstable【參考答案】A【詳細(xì)解析】A項(xiàng)"Although"引導(dǎo)讓步狀語(yǔ)從句，正確表達(dá)銀行擴(kuò)張的決策邏輯。B項(xiàng)主句時(shí)態(tài)錯(cuò)誤（"expanded"應(yīng)改為"willexpand"）。C項(xiàng)"unless"表?xiàng)l件，D項(xiàng)"when"表時(shí)間，均不符合語(yǔ)境?！绢}干19】Whatisthemeaningof"leverageratio"inbanking?【選項(xiàng)】A.流動(dòng)比率B.資本充足率C.貸款發(fā)放率D.資產(chǎn)負(fù)債率【參考答案】B【詳細(xì)解析】"Leverageratio"（資本充足率）是巴塞爾協(xié)議核心指標(biāo)，反映銀行資本對(duì)風(fēng)險(xiǎn)加權(quán)資產(chǎn)的比例。A項(xiàng)"流動(dòng)比率"為"currentratio"，C項(xiàng)"貸款發(fā)放率"為"loandisbursementrate"，D項(xiàng)"資產(chǎn)負(fù)債率"為"debt-to-assetratio"?！绢}干20】Whichsentenceusesthecorrectsuperlativedegree?【選項(xiàng)】A.ThisismorethesafestbankinthecityB.NootherbankoffersthebestserviceC.TheinterestrateishighestthisyearD.Nobankhasprovidedthebetterproducts【參考答案】C【詳細(xì)解析】C項(xiàng)"highest"正確使用最高級(jí)，且"thisyear"限定比較范圍。A項(xiàng)"mostsafest"重復(fù)使用最高級(jí)，B項(xiàng)"best"需加比較對(duì)象（應(yīng)改為"Nootherbankoffersthebestserviceinthecity"），D項(xiàng)"better"需加比較對(duì)象（應(yīng)改為"Nobankhasprovidedthebetterproductsthanothers"）。2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(篇4)【題干1】根據(jù)上下文，"Thebankoffersaspecialdiscountforcustomerswhodepositmoneyforatleastsixmonths"中"deposit"的詞性是？【選項(xiàng)】A.動(dòng)名詞B.動(dòng)詞原形C.現(xiàn)在分詞D.不定式【參考答案】A【詳細(xì)解析】此處"deposit"是動(dòng)名詞作狀語(yǔ)，修飾"customers"，表示“存款”這一行為。動(dòng)名詞在句子中可作主語(yǔ)、賓語(yǔ)或狀語(yǔ)，而動(dòng)詞原形通常用于祈使句或不定式表目的，現(xiàn)在分詞多作伴隨狀語(yǔ)或定語(yǔ)，因此正確答案為A?！绢}干2】以下哪項(xiàng)屬于非謂語(yǔ)動(dòng)詞作賓語(yǔ)補(bǔ)足語(yǔ)的結(jié)構(gòu)？【選項(xiàng)】A.SheaskedmetoleaveB.HesuggestedplayingC.WefoundthebookinterestingD.Theyconsideredmoving【參考答案】B【詳細(xì)解析】非謂語(yǔ)動(dòng)詞作賓語(yǔ)補(bǔ)足語(yǔ)常見結(jié)構(gòu)為“動(dòng)詞+賓語(yǔ)+不定式/分詞”。A項(xiàng)“l(fā)eave”是動(dòng)詞原形作賓語(yǔ)補(bǔ)足語(yǔ)，B項(xiàng)“playing”是現(xiàn)在分詞作賓語(yǔ)補(bǔ)足語(yǔ)，C項(xiàng)“interesting”是形容詞作賓語(yǔ)補(bǔ)足語(yǔ)，D項(xiàng)“moving”是動(dòng)詞原形作賓語(yǔ)補(bǔ)足語(yǔ)，因此B為非謂語(yǔ)動(dòng)詞作賓語(yǔ)補(bǔ)足語(yǔ)的典型例句。【題干3】"Themanager,alongwithhisteam,ispreparingfortheannualfinancialreport"中"alongwith"的語(yǔ)義是？【選項(xiàng)】A.但是B.不但C.包括D.代替【參考答案】C【詳細(xì)解析】"alongwith"表示“與……一起”，強(qiáng)調(diào)并列關(guān)系中的包含性，相當(dāng)于“including”，如"themanageralongwithhisteam"即“包括經(jīng)理和他的團(tuán)隊(duì)”，故C正確。A為but表轉(zhuǎn)折，B為butnotonly表遞進(jìn)，D為instead表替代?！绢}干4】Whichsentenceusesthepresentperfecttensecorrectly?【選項(xiàng)】A.TheyhavedepositedmoneythisyearB.Shehasdepositedmoneysince2010C.ThebankdepositedmoneyyesterdayD.Theyaredepositingmoneynow【參考答案】B【詳細(xì)解析】現(xiàn)在完成時(shí)需與“since”或“for”搭配表示持續(xù)到現(xiàn)在的動(dòng)作，B項(xiàng)“since2010”符合語(yǔ)法規(guī)則。A項(xiàng)缺少時(shí)間狀語(yǔ)，C項(xiàng)用一般過(guò)去時(shí)，D項(xiàng)用現(xiàn)在進(jìn)行時(shí)表進(jìn)行，均不正確?！绢}干5】閱讀理解："Theincreasingawarenessofenvironmentalprotectionhasledmanycompaniestoadoptgreentechnologies.However,implementingsuchtechnologiesoftenfaceschallenges..."WhichmainideaisNOTmentionedinthepassage?【選項(xiàng)】A.GreentechnologiesarepopularnowB.ChallengesexistinadoptinggreentechC.PublicawarenessdrivescorporateactionsD.Greentechiscost-effective【參考答案】D【詳細(xì)解析】原文第一句指出環(huán)保意識(shí)增強(qiáng)促使公司采用綠色技術(shù)，第二句轉(zhuǎn)折指出實(shí)施常遇挑戰(zhàn)，但未提及綠色技術(shù)是否經(jīng)濟(jì)有效。D項(xiàng)“綠色技術(shù)是成本效益高的”屬于未提及的內(nèi)容，故為正確答案。【題干6】Whichofthefollowingisapassivevoicesentence?【選項(xiàng)】A.TheapplicationwasprocessedyesterdayB.WeprocessedtheapplicationyesterdayC.Processingapplicationsistime-consumingD.Themanagerapprovedtherequest【參考答案】A【詳細(xì)解析】被動(dòng)語(yǔ)態(tài)結(jié)構(gòu)為“be動(dòng)詞+過(guò)去分詞”，A項(xiàng)符合被動(dòng)語(yǔ)態(tài)，B、C為主動(dòng)語(yǔ)態(tài)，D項(xiàng)為一般過(guò)去時(shí)主動(dòng)語(yǔ)態(tài)，故A正確。【題干7】"Thebank'snewpolicyrequirescustomerstosubmitdocumentswithinthreeworkingdays"中"requires"的賓語(yǔ)是誰(shuí)？【選項(xiàng)】A.thebankB.customersC.documentsD.threeworkingdays【參考答案】B【詳細(xì)解析】"require"的賓語(yǔ)是動(dòng)作的承受者，此處“政策要求客戶提交文件”，即“requirescustomerstosubmit”，故B正確。【題干8】IfIhadknownthemeetingtime,Iwouldhaveattendedit.Thissentenceuseswhichgrammaticalstructure?【選項(xiàng)】A.SecondconditionalB.ThirdconditionalC.FirstconditionalD.Mixedconditional【參考答案】A【詳細(xì)解析】"If+過(guò)去完成時(shí),wouldhave+過(guò)去分詞"為第二條件句，表示與現(xiàn)在事實(shí)相反的假設(shè)，故A正確。B項(xiàng)為與過(guò)去事實(shí)相反，C項(xiàng)為可能性，D項(xiàng)為混合條件?！绢}干9】Whichsentenceshowsthecorrectuseof"thereisnodoubtthat"?【選項(xiàng)】A.ThereisnodoubtthatheishonestB.ThereisnodoubtheishonestC.ThereisnodoubtthatheisdishonestD.Thereisnodoubtaboutheishonest【參考答案】A【詳細(xì)解析】"thereisnodoubtthat"固定結(jié)構(gòu)后接從句，需用從句動(dòng)詞原形，如"thatheishonest"，B項(xiàng)缺少"that"，D項(xiàng)"heishonest"前缺少介詞"about"，C項(xiàng)表否定與題意不符，故A正確?！绢}干10】Whichofthefollowingisaphrasalverb?【選項(xiàng)】A.depositB.submitC.applyforD.process【參考答案】C【詳細(xì)解析】"applyfor"為固定短語(yǔ)動(dòng)詞，由動(dòng)詞"apply"與介詞"for"組成，表示“申請(qǐng)”，而其他選項(xiàng)為單個(gè)動(dòng)詞，故C正確。【題干11】"Thebank'sannualreportoutlineskeyperformancemetrics,includingprofitgrowthandriskmanagement."中"including"的語(yǔ)法功能是？【選項(xiàng)】A.定語(yǔ)從句B.分詞結(jié)構(gòu)C.介詞短語(yǔ)D.并列連詞【參考答案】C【詳細(xì)解析】"including"引導(dǎo)介詞短語(yǔ)作后置定語(yǔ)，修飾前面的"keyperformancemetrics"，其結(jié)構(gòu)為"including+名詞/動(dòng)名詞"，故C正確?！绢}干12】Whichsentenceusesthecorrectcomparativedegree?【選項(xiàng)】A.Thisbank'sserviceisbetterthanotherbanksB.TheinterestrateismorehigherthisyearC.ThatbranchismoreconvenientthanthisoneD.Theloantermsaremoresuitableforsmallbusinesses【參考答案】C【詳細(xì)解析】比較級(jí)結(jié)構(gòu)為“more+形容詞/副詞”，B項(xiàng)“morehigher”錯(cuò)誤，D項(xiàng)“moresuitable”正確但題干要求錯(cuò)誤選項(xiàng)，C項(xiàng)“moreconvenient”正確，但此處需選錯(cuò)誤選項(xiàng)，故B為正確答案?！绢}干13】"Thebankwillnotdisclosecustomerinformationwithoutconsent"中"withoutconsent"的語(yǔ)法功能是？【選項(xiàng)】A.狀語(yǔ)從句B.定語(yǔ)從句C.介詞短語(yǔ)D.并列連詞【參考答案】C【詳細(xì)解析】"withoutconsent"為介詞短語(yǔ)作狀語(yǔ)，表示條件，故C正確。A項(xiàng)需用連詞引導(dǎo)從句，B項(xiàng)需用關(guān)系代詞，D項(xiàng)需用連詞連接兩個(gè)獨(dú)立分句?！绢}干14】Whichsentenceusesthecorrectprepositionwith"available"?【選項(xiàng)】A.ThefundsareavailableforwithdrawalB.ThefundsareavailableatanytimeC.ThefundsareavailablewithusD.Thefundsareavailabletocustomers【參考答案】A【詳細(xì)解析】"availablefor"表示“可用于……”，如"availableforwithdrawal（可提?。?，而"availableat"表地點(diǎn)，"availablewith"表歸屬，"availableto"表對(duì)象，根據(jù)銀行場(chǎng)景，A項(xiàng)最合適?！绢}干15】"Thebank'smobileappallowsuserstotransferfundsinstantly."中"instantly"的詞性是？【選項(xiàng)】A.副詞B.形容詞C.動(dòng)詞D.名詞【參考答案】A【詳細(xì)解析】"instantly"為副詞修飾動(dòng)詞"transfer"，表示“立即地”，形容詞形式為"instant"，名詞為"instants"，動(dòng)詞為"instigate"，故A正確?！绢}干16】Whichsentenceuses"however"correctly?【選項(xiàng)】A.However,theinterestrateremainslowB.Theinterestrateremainslow;however,theserviceisexcellentC.Theinterestrateislow,howeverD.However,theserviceisexcellent【參考答案】B【詳細(xì)解析】"however"在句首需用逗號(hào)隔開，且前后分句需邏輯轉(zhuǎn)折，B項(xiàng)“利率低；然而服務(wù)優(yōu)秀”符合語(yǔ)法和邏輯，其他選項(xiàng)存在標(biāo)點(diǎn)或邏輯錯(cuò)誤。【題干17】Whichofthefollowingisacorrectuseof"unless"?【選項(xiàng)】A.YoucanwithdrawmoneyunlessyouhaveanaccountB.Unlessyouhaveanaccount,youcanwithdrawmoneyC.Youcanwithdrawmoneyunlessyoudon'thaveanaccountD.Unlessyouhaveanaccount,youcannotwithdrawmoney【參考答案】D【詳細(xì)解析】"unless"引導(dǎo)否定條件從句，相當(dāng)于"ifnot"，D項(xiàng)“除非你有賬戶，否則不能取款”符合邏輯，C項(xiàng)“除非你沒(méi)有賬戶”表肯定條件，錯(cuò)誤?！绢}干18】"Thebankrecommendscustomerstoreviewtheiraccountsregularly."中"review"的詞性是？【選項(xiàng)】A.名詞B.動(dòng)詞C.形容詞D.副詞【參考答案】B【詳細(xì)解析】"review"在此作動(dòng)詞，表示“審查”，名詞形式為"review"，形容詞為"reviewable"，副詞為"reviewingly"，故B正確。【題干19】Whichsentenceusesthecorrectsuperlativedegree?【選項(xiàng)】A.ThisisthemostconvenientbankinthecityB.TheloantermsaremoresuitableC.ThatbranchismoreconvenientthanthisoneD.Theinterestrateishigherthisyear【參考答案】A【詳細(xì)解析】最高級(jí)結(jié)構(gòu)為"the+形容詞最高級(jí)"，A項(xiàng)正確，其他選項(xiàng)為比較級(jí)或一般比較結(jié)構(gòu)，故A為正確答案?！绢}干20】"Thebank'scustomerservicecenterisopenfrom8:00a.m.to8:00p.m.onweekdays."中"from...to"的語(yǔ)法功能是？【選項(xiàng)】A.時(shí)間狀語(yǔ)從句B.介詞短語(yǔ)C.并列連詞D.主語(yǔ)從句【參考答案】B【詳細(xì)解析】"from8:00a.m.to8:00p.m."為介詞短語(yǔ)作時(shí)間狀語(yǔ)，修飾主句，故B正確。A項(xiàng)需連詞引導(dǎo)從句，C項(xiàng)需連詞連接分句，D項(xiàng)需引導(dǎo)主語(yǔ)，均不符合。2025年中國(guó)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(篇5)【題干1】Thebank'snewpolicyrequiresemployeestosubmitexpensereportswithinthreebusinessdaysafterthetransactiondate,withpenaltiesforlatesubmissions.【選項(xiàng)】A.sevendaysB.fivedaysC.threedaysD.tendays【參考答案】C【詳細(xì)解析】根據(jù)題干中"withinthreebusinessdaysafterthetransactiondate"明確指出提交期限為交易日后三個(gè)工作日，選項(xiàng)C符合原文表述。其他選項(xiàng)與時(shí)間要求不符，屬于干擾項(xiàng)。【題干2】Inthecontextoffinancialriskmanagement,"valueatrisk"(VaR)primarilymeasuresthepotentiallossinaspecifictimeperiodwithagivenconfidencelevel.【選項(xiàng)】A.profitandlossB.marketfluctuationC.operationalriskD.maximumloss【參考答案】D【詳細(xì)解析】VaR的核心定義是特定置信水平和時(shí)間區(qū)間內(nèi)的最大可能損失，選項(xiàng)D準(zhǔn)確對(duì)應(yīng)其測(cè)量目標(biāo)。選項(xiàng)A涉及財(cái)務(wù)結(jié)果而非風(fēng)險(xiǎn)程度，B屬于市場(chǎng)波動(dòng)范疇，C屬于操作風(fēng)險(xiǎn)類型，均偏離題干核心?！绢}干3】Whichphrasebestcompletesthesentence:"Theloanofficeremphasizedtheimportanceofmaintaininga__________credithistoryformortgageapproval."【選項(xiàng)】A.negativeB.stableC.fluctuatingD.excellent【參考答案】B【詳細(xì)解析】銀行貸款審批中強(qiáng)調(diào)信用記錄的穩(wěn)定性（stable），而非負(fù)面（negative）、波動(dòng)（fluctuating）或優(yōu)秀（excellent）等非必要條件。金融術(shù)語(yǔ)中"stablecredithistory"是固定搭配?！绢}干4】UndertheWorldBank'sguidelines,loansforinfrastructureprojectsmustberepaidwithinaperiodnotexceeding20years,withagraceperiodofuptofiveyears.【選項(xiàng)】A.15+5B.20+5C.25+10D.30+15【參考答案】B【詳細(xì)解析】世界銀行基礎(chǔ)設(shè)施貸款標(biāo)準(zhǔn)為20年還款期+5年寬限期，選項(xiàng)B完全符合國(guó)際標(biāo)準(zhǔn)。其他選項(xiàng)時(shí)間參數(shù)均超出常規(guī)金融操作范圍。【題干5】Whichsentencecontainsagrammaticalerror?Ⅰ.TheclientrequestedthatweprovideadetailedreportbyFriday.Ⅱ.Themanagersuggestedimplementingcost-cuttingmeasuresimmediately.Ⅲ.Shehasbeenworkingheresincejoiningthebankin2018.【參考答案】Ⅰ【詳細(xì)解析】Ⅰ句應(yīng)使用虛擬語(yǔ)氣"thatweshouldprovide"，原句直接陳述請(qǐng)求內(nèi)容不符合語(yǔ)法規(guī)范。Ⅱ句建議使用虛擬語(yǔ)氣"thatweimplement"，但非題干考察重點(diǎn)。Ⅲ句現(xiàn)在完成時(shí)正確，強(qiáng)調(diào)持續(xù)工作經(jīng)歷?！绢}干6】Thecentralbankraisedinterestratesby0.25percentagepointstocombatinflation,signalingatighteningmonetarypolicy.【選項(xiàng)】A.loweringB.maintainingC.raisingD.freezing【參考答案】C【詳細(xì)解析】題干明確"raisedinterestrates"對(duì)應(yīng)選項(xiàng)C。選項(xiàng)A與政策方向相反，B維持不變與題干動(dòng)作無(wú)關(guān)，D凍結(jié)利率不符合現(xiàn)實(shí)操作?！绢}干7】Whichtermisusedtodescribetheriskofcurrencydepreciationaffectingforeignexchangereserves?【選項(xiàng)】A.liquidityriskB.interestrateriskC.exchangerateriskD.creditrisk【參考答案】C【詳細(xì)解析】匯率風(fēng)險(xiǎn)（exchangeraterisk）直接關(guān)聯(lián)貨幣貶值對(duì)外匯儲(chǔ)備的影響，屬于銀行風(fēng)險(xiǎn)管理核心內(nèi)容。其他選項(xiàng)分別對(duì)應(yīng)流動(dòng)性、利率和信用風(fēng)險(xiǎn)，與題干場(chǎng)景無(wú)關(guān)?！绢}干8】Thebank'sonlineplatformoffersreal-timebalancechecks,fundtransfers,andmobilebillpayments,ensuring24/7accountmanagement.【選項(xiàng)】A.20/5B.24/7C.18/3D.22/4【參考答案】B【詳細(xì)解析】銀行數(shù)字服務(wù)標(biāo)準(zhǔn)中"24/7"（24小時(shí)/7天）是行業(yè)通用表述，選項(xiàng)B準(zhǔn)確對(duì)應(yīng)題干功能描述。其他時(shí)間組合不符合金融科技服務(wù)標(biāo)準(zhǔn)?！绢}干9】Whichsentenceusesthecorrecttenseforfutureplans?Ⅰ.Wewillstartthenewinvestmentprojectnextquarter.Ⅱ.Theboardisplanningtoacquireanotherbanksoon.Ⅲ.TheyhavescheduledthemergerforJune2025.【參考答案】Ⅰ【詳細(xì)解析】Ⅰ句使用將來(lái)時(shí)（will）正確描述季度性計(jì)劃。Ⅱ句應(yīng)使用現(xiàn)在進(jìn)行時(shí)（isplanning）表示當(dāng)前進(jìn)行中的計(jì)劃。Ⅲ句應(yīng)使用將來(lái)時(shí)（willschedule）而非現(xiàn)在完成時(shí)。【題干10】Theloanagreementspecifiest