2025年興業(yè)銀行招聘考試（英語(yǔ)）歷年參考題庫(kù)含答案詳解(5卷)2025年興業(yè)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】Whichfinancialinstrumentallowsinvestorstopurchaseacompany'sshareswithoutdirectlybuyingthemfromtheissuingcompany?【選項(xiàng)】A.StockdividendB.Short-termbondC.UnderwritingrightsD.Secondarymarkettrading【參考答案】D【詳細(xì)解析】本題考查金融工具知識(shí)。正確答案為D（Secondarymarkettrading），即二級(jí)市場(chǎng)交易，指投資者在已發(fā)行的股票市場(chǎng)買賣股票，而非直接從發(fā)行公司購(gòu)買。A選項(xiàng)為股票股利，B選項(xiàng)為短期債券，C選項(xiàng)為承銷權(quán)，均不符合題意。【題干2】Whatdoes"non-recurring,below-averageearnings"inafinancialreporttypicallyindicate?【選項(xiàng)】A.RegularoperationalprofitsB.One-timegovernmentsubsidiesC.SeasonalbusinessfluctuationsD.Long-terminvestmentlosses【參考答案】B【詳細(xì)解析】本題考察財(cái)務(wù)報(bào)告術(shù)語(yǔ)理解。"Non-recurring"指非經(jīng)常性事件，"below-averageearnings"表明收益低于平均水平，常見(jiàn)于企業(yè)獲得一次性政府補(bǔ)貼后，報(bào)告期利潤(rùn)暫時(shí)上升的情況。C選項(xiàng)季節(jié)性波動(dòng)屬于常規(guī)經(jīng)營(yíng)因素，D選項(xiàng)長(zhǎng)期投資損失屬于持續(xù)性支出，均不符合題意?！绢}干3】Ifabank'sloanapprovalrateis15%,thecorrespondingrejectionratewouldbe:【選項(xiàng)】A.85%B.10%C.75%D.5%【參考答案】A【詳細(xì)解析】本題涉及基礎(chǔ)概率計(jì)算。貸款審批率為15%，即15%的申請(qǐng)被批準(zhǔn)，剩余85%被拒絕，故正確答案為A。B選項(xiàng)10%與題干數(shù)據(jù)矛盾，C選項(xiàng)75%為錯(cuò)誤計(jì)算（100%-15%=85%），D選項(xiàng)5%明顯偏離實(shí)際?！绢}干4】Whichphraseisusedtodescribeasituationwhereabankextendscreditwithoutcollateral?【選項(xiàng)】A.CollateralizedloanB.Over-collateralizedfinancingC.UnsecuredlendingD.Primerate-basedloan【參考答案】C【詳細(xì)解析】本題考查授信方式分類。"Unsecuredlending"指無(wú)抵押貸款，符合題干描述。A選項(xiàng)有抵押，B選項(xiàng)超額抵押不符合定義，D選項(xiàng)基于基準(zhǔn)利率但未必涉及抵押。需注意區(qū)分"primerate"（基準(zhǔn)利率）與貸款是否需要擔(dān)保的關(guān)系。【題干5】Whichaccountingtermreferstothedecreaseinvalueofanassetovertimeduetowearandtear?【選項(xiàng)】A.DepreciationB.AmortizationC.ImpairmentD.Accretion【參考答案】A【詳細(xì)解析】本題考察會(huì)計(jì)基礎(chǔ)概念。"Depreciation"指有形資產(chǎn)因使用損耗導(dǎo)致的賬面價(jià)值減少，如設(shè)備、建筑物。B選項(xiàng)"Amortization"適用于無(wú)形資產(chǎn)（如專利），C選項(xiàng)"Impairment"指資產(chǎn)可回收金額低于賬面價(jià)值，D選項(xiàng)"Accretion"多用于金融工具攤余成本調(diào)整。需注意區(qū)分三大折舊概念?！绢}干6】Ininternationaltrade,whichdocumentservesasaguaranteethatthesellerwilldeliverthegoodsasagreed?【選項(xiàng)】A.BillofLadingB.QualityCertificateC.Banker'sGuaranteeD.InsurancePolicy【參考答案】C【詳細(xì)解析】本題涉及國(guó)際貿(mào)易單證知識(shí)。C選項(xiàng)"Banker'sGuarantee"（銀行保函）由銀行開具，承諾在賣方未履行交貨義務(wù)時(shí)向買方賠付，屬于履約擔(dān)保。A選項(xiàng)提單證明貨物已裝運(yùn)，B選項(xiàng)質(zhì)量證明書確認(rèn)產(chǎn)品規(guī)格，D選項(xiàng)保險(xiǎn)保障貨物運(yùn)輸風(fēng)險(xiǎn)，均不直接擔(dān)保交貨義務(wù)。【題干7】Whichgrammaticalstructureisusedtoexpressahypotheticalsituationinthepast?【選項(xiàng)】A.PresentPerfectContinuousB.ConditionalPerfectC.ThirdConditionalD.FutureContinuous【參考答案】C【詳細(xì)解析】本題考查虛擬語(yǔ)氣時(shí)態(tài)應(yīng)用。"ThirdConditional"（IfIhadstudiedharder,Iwouldhavepassed）用于與過(guò)去事實(shí)相反的假設(shè)，包含"had+過(guò)去分詞"和"wouldhave+過(guò)去分詞"結(jié)構(gòu)。A選項(xiàng)現(xiàn)在完成進(jìn)行時(shí)表持續(xù)到現(xiàn)在的動(dòng)作，B選項(xiàng)條件perfect時(shí)態(tài)表對(duì)過(guò)去的條件影響，D選項(xiàng)未來(lái)進(jìn)行時(shí)表將來(lái)持續(xù)動(dòng)作，均不符合題意。【題干8】Whichfinancialratiomeasuresacompany'sabilitytomeetshort-termobligations?【選項(xiàng)】A.Debt-to-EquityRatioB.CurrentRatioC.QuickRatioD.InterestCoverageRatio【參考答案】B【詳細(xì)解析】本題測(cè)試財(cái)務(wù)比率核心概念。"CurrentRatio"（流動(dòng)比率）=流動(dòng)資產(chǎn)/流動(dòng)負(fù)債，直接反映企業(yè)短期償債能力。C選項(xiàng)"QuickRatio"（速動(dòng)比率）扣除存貨后的變現(xiàn)能力，D選項(xiàng)"InterestCoverageRatio"（利息保障倍數(shù)）衡量支付利息能力。A選項(xiàng)債務(wù)與權(quán)益比反映資本結(jié)構(gòu)。需注意區(qū)分不同比率的應(yīng)用場(chǎng)景?！绢}干9】WhatistheprimarypurposeofaSWIFTmessageinbankingtransactions?【選項(xiàng)】A.ToissuecreditcardsB.TotransferfundsC.ToverifyidentityD.Toissueloanguarantees【參考答案】B【詳細(xì)解析】本題考察國(guó)際結(jié)算系統(tǒng)功能。"SWIFT"（環(huán)球銀行金融電信協(xié)會(huì)）主要用于金融機(jī)構(gòu)間資金劃轉(zhuǎn)，B選項(xiàng)正確。A選項(xiàng)信用卡發(fā)行需通過(guò)其他渠道，C選項(xiàng)身份驗(yàn)證由反洗錢系統(tǒng)完成，D選項(xiàng)保函由銀行保函業(yè)務(wù)處理。需注意SWIFT不直接處理具體業(yè)務(wù)，而是提供通信通道。【題干10】Whichtermdescribestheprocessofconvertingacompany'shomecurrencyintoforeigncurrencyforinternationaltransactions?【選項(xiàng)】A.ForeignexchangehedgingB.CurrencydenominationC.ForeignexchangeconversionD.Balanceofpaymentsadjustment【參考答案】C【詳細(xì)解析】本題考查外匯業(yè)務(wù)基礎(chǔ)概念。"Foreignexchangeconversion"（外匯兌換）指將一種貨幣轉(zhuǎn)換為另一種貨幣，直接對(duì)應(yīng)題干描述。A選項(xiàng)外匯套期保值用于風(fēng)險(xiǎn)對(duì)沖，B選項(xiàng)貨幣計(jì)價(jià)方式選擇，D選項(xiàng)國(guó)際收支調(diào)整涉及整體賬戶平衡。需注意區(qū)分轉(zhuǎn)換行為與相關(guān)金融工具。【題干11】Whichgrammaticalerrorispresentinthesentence:"ThemeetingwasattendedbyallthestaffexceptJohn"?【選項(xiàng)】A.MissingarticleB.IncorrectprepositionC.Subject-verbagreementD.Tenseinconsistency【參考答案】C【詳細(xì)解析】本題測(cè)試主謂一致規(guī)則。"attended"為過(guò)去分詞，主語(yǔ)"meeting"為單數(shù)，需改為"wasattendedbyallthestaffexceptJohn"（正確），但原句隱含錯(cuò)誤邏輯：會(huì)議（單數(shù)）不能由所有員工（復(fù)數(shù)）出席卻排除一個(gè)員工。正確表達(dá)應(yīng)為"ThemeetingwasattendedbyallthestaffexceptJohn"，主謂結(jié)構(gòu)無(wú)誤，但需注意實(shí)際語(yǔ)義是否合理?！绢}干12】Whichfinancialinstrumentistypicallyissuedbycorporationstoraiselong-termcapital?【選項(xiàng)】A.TreasurybillB.CorporatebondC.CommercialpaperD.Banker'sacceptance【參考答案】B【詳細(xì)解析】本題考察公司融資工具。"Corporatebond"（公司債券）是企業(yè)為長(zhǎng)期融資發(fā)行的債務(wù)證券，期限通常在10年以上。A選項(xiàng)國(guó)債由政府發(fā)行，C選項(xiàng)商業(yè)票據(jù)期限≤270天，D選項(xiàng)銀行承兌匯票為銀行信用票據(jù)。需注意區(qū)分不同發(fā)行主體和期限特征?！绢}干13】Whatdoes"leverageratio"inbankingreferto?【選項(xiàng)】A.EquitytototalassetsB.TotalliabilitiestoequityC.NetincometoequityD.ROE（ReturnonEquity）【參考答案】B【詳細(xì)解析】本題測(cè)試資本充足率核心指標(biāo)。"Leverageratio"（杠桿率）=總負(fù)債/股東權(quán)益，反映銀行財(cái)務(wù)杠桿水平。A選項(xiàng)權(quán)益占總資產(chǎn)比（資本充足率）與之互補(bǔ)，C選項(xiàng)ROE（凈資產(chǎn)收益率）=凈利潤(rùn)/股東權(quán)益，D選項(xiàng)屬于盈利能力指標(biāo)。需注意不同比率的風(fēng)險(xiǎn)評(píng)估功能差異?！绢}干14】Whichphraseisusedtodescribeasituationwhereabank'sloanportfolioexperiencessignificantvalueloss?【選項(xiàng)】A.CreditcycleupswingB.PortfoliodevaluationC.InterestrateriskD.Marketliquidityrisk【參考答案】B【詳細(xì)解析】本題考查貸款組合風(fēng)險(xiǎn)術(shù)語(yǔ)。"Portfoliodevaluation"（組合貶值）指貸款組合賬面價(jià)值因借款人違約或市場(chǎng)環(huán)境惡化而縮水，屬于信用風(fēng)險(xiǎn)范疇。A選項(xiàng)信用周期上升期可能降低風(fēng)險(xiǎn)，C選項(xiàng)利率風(fēng)險(xiǎn)影響債券等固定收益資產(chǎn)，D選項(xiàng)流動(dòng)性風(fēng)險(xiǎn)涉及資產(chǎn)變現(xiàn)困難。需注意區(qū)分風(fēng)險(xiǎn)類型和表現(xiàn)?！绢}干15】Whichgrammaticalstructureisusedtoexpressaconditionthatislikelytohappeninthefuture?【選項(xiàng)】A.MixedconditionalsB.ThirdconditionalC.FirstconditionalD.Secondconditional【參考答案】C【詳細(xì)解析】本題測(cè)試條件句時(shí)態(tài)應(yīng)用。"Firstconditional"（Ifitrains,Iwillstayhome）表示對(duì)可能發(fā)生的條件的反應(yīng)，符合題干"likelytohappen"的語(yǔ)境。B選項(xiàng)第三條件表過(guò)去假設(shè)，D選項(xiàng)第二條件表不太可能發(fā)生的條件。A選項(xiàng)混合條件句包含不同時(shí)態(tài)條件。需注意條件句的時(shí)態(tài)邏輯關(guān)系?！绢}干16】Whichaccountingmethodrecordsexpenseswhentheyareincurred,regardlessofcashflowtiming?【選項(xiàng)】A.AccrualaccountingB.CashbasisaccountingC.Double-entrysystemD.Earningspershare【參考答案】A【詳細(xì)解析】本題考察會(huì)計(jì)基礎(chǔ)方法。"Accrualaccounting"（權(quán)責(zé)發(fā)生制）按經(jīng)濟(jì)實(shí)質(zhì)確認(rèn)收入費(fèi)用，與現(xiàn)金收付時(shí)間無(wú)關(guān)。B選項(xiàng)現(xiàn)金收付制以實(shí)際現(xiàn)金流為確認(rèn)基礎(chǔ)，C選項(xiàng)復(fù)式記賬是會(huì)計(jì)記錄方式，D選項(xiàng)每股收益是利潤(rùn)分配指標(biāo)。需注意會(huì)計(jì)確認(rèn)原則與記錄方法的不同?！绢}干17】Whatdoes"netinterestmargin"(NIM)measureinabank'sfinancialperformance?【選項(xiàng)】A.OperatingprofitmarginB.Non-interestincomeratioC.InterestincomeminusinterestexpensesdividedbyaverageearningassetsD.Equitymarketvalue【參考答案】C【詳細(xì)解析】本題測(cè)試銀行核心財(cái)務(wù)指標(biāo)。"NIM"=（利息收入-利息支出）/平均生息資產(chǎn)，反映銀行核心盈利能力。A選項(xiàng)營(yíng)業(yè)利潤(rùn)率包含非利息收入，B選項(xiàng)非利息收入占比，D選項(xiàng)股權(quán)市值屬于資產(chǎn)負(fù)債表項(xiàng)目。需注意NIM的計(jì)算公式及核心作用?！绢}干18】Whichphraseisusedtodescribealoanwithafloatinginterestratethatadjustsperiodicallybasedonmarketconditions?【選項(xiàng)】A.Fixed-ratemortgageB.Variable-rateloanC.ConvertiblebondD.Lineofcredit【參考答案】B【詳細(xì)解析】本題考察浮動(dòng)利率貸款術(shù)語(yǔ)。"Variable-rateloan"（可變利率貸款）的利率隨市場(chǎng)基準(zhǔn)（如LIBOR、PrimeRate）定期調(diào)整。A選項(xiàng)固定利率房貸，C選項(xiàng)可轉(zhuǎn)換債券含轉(zhuǎn)股權(quán)，D選項(xiàng)循環(huán)信用額度為短期融資工具。需注意利率類型與產(chǎn)品形態(tài)的對(duì)應(yīng)關(guān)系。【題干19】Whatdoes"underwritingsyndicate"refertointhecontextofaninitialpublicoffering(IPO)?【選項(xiàng)】A.AsingleinvestmentbankmanagingtheIPOB.AgroupofbankssharingIPOunderwritingresponsibilitiesC.RegulatoryapprovalbodyD.Investordemandforecastingagency【參考答案】B【詳細(xì)解析】本題測(cè)試IPO承銷機(jī)制。"Underwritingsyndicate"（承銷辛迪加）由多家投行組成，分擔(dān)IPO風(fēng)險(xiǎn)并協(xié)同完成發(fā)行。A選項(xiàng)單一承銷商適用于小型IPO，C選項(xiàng)為證監(jiān)會(huì)等監(jiān)管機(jī)構(gòu)，D選項(xiàng)屬于市場(chǎng)研究部門職能。需注意辛迪加模式的優(yōu)勢(shì)（資源整合、風(fēng)險(xiǎn)分擔(dān)）?！绢}干20】Whichgrammaticalerroroccursinthesentence:"Thedataanalysiswasconductedbytheteamincludingme"?【選項(xiàng)】A.MissingarticleB.UnclearantecedentC.Subject-verbagreementD.Tenseinconsistency【參考答案】B【詳細(xì)解析】本題測(cè)試代詞指代清晰度。"includingme"作為后置定語(yǔ)修飾"team"，導(dǎo)致"team"與"me"的所屬關(guān)系不明確，可能被誤解為"團(tuán)隊(duì)包括其他人，不包括我"。正確表達(dá)應(yīng)為"Thedataanalysiswasconductedbytheteamthatincludedme"或"Thedataanalysiswasconductedbymeandtheteam"，需通過(guò)限定詞或結(jié)構(gòu)消除歧義。2025年興業(yè)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】Afterthecompanyannounceditsnewproductlastweek,customershaveshownincreasinginterestinit.Whattenseisusedhere?【選項(xiàng)】A.PresentPerfectB.SimplePastC.PresentContinuousD.FutureContinuous【參考答案】A【詳細(xì)解析】題干強(qiáng)調(diào)“sincelastweek”的持續(xù)影響，需用現(xiàn)在完成時(shí)（PresentPerfect）體現(xiàn)動(dòng)作的延續(xù)性。B選項(xiàng)SimplePast僅描述過(guò)去動(dòng)作，無(wú)法表達(dá)持續(xù)影響；C和D選項(xiàng)時(shí)態(tài)與上下文邏輯不符?！绢}干2】ThemanagerrequestedthatthereportbesubmittedbyFriday,emphasizingthedeadline.Whatisthefunctionof"besubmitted"?【選項(xiàng)】A.InfinitiveverbB.PassivevoiceC.GerundphraseD.Relativeclause【參考答案】B【詳細(xì)解析】"besubmitted"是被動(dòng)語(yǔ)態(tài)結(jié)構(gòu)（be動(dòng)詞+過(guò)去分詞），表示“被提交”。A選項(xiàng)錯(cuò)誤因缺少to，C選項(xiàng)錯(cuò)誤因gerund需接動(dòng)名詞，D選項(xiàng)錯(cuò)誤因缺少關(guān)系代詞引導(dǎo)的從句?！绢}干3】"Evenifitrainsheavily,theeventwillproceedasscheduled."Whichconjunctionisusedhere?【選項(xiàng)】A.UnlessB.WhereasC.EvenifD.Supposing【參考答案】C【詳細(xì)解析】"evenif"引導(dǎo)讓步狀語(yǔ)從句，表示假設(shè)條件。A選項(xiàng)"unless"表否定條件（除非不下雨），與題意矛盾；B選項(xiàng)"whereas"表對(duì)比，C選項(xiàng)符合假設(shè)語(yǔ)氣；D選項(xiàng)"supposing"需接具體假設(shè)內(nèi)容，結(jié)構(gòu)不完整。【題干4】Allmemberspresentatthemeetingvotedinfavoroftheproposal.Whichverbagreeswiththesubject?【選項(xiàng)】A.VotedB.VotesC.VoteD.Voting【參考答案】A【詳細(xì)解析】"Allmembers"為單數(shù)主語(yǔ)，表“全體成員”整體概念，需用單數(shù)動(dòng)詞"vote"。但實(shí)際語(yǔ)境中"vote"為不可數(shù)名詞，"voted"表示投票動(dòng)作完成。B選項(xiàng)"votes"主謂不一致，C選項(xiàng)為動(dòng)詞原形表建議，D選項(xiàng)動(dòng)名詞表狀態(tài)。【題干5】IfIhadknownthemeetingwascanceled,Iwouldhaveattendedit.Whattypeofconditionalisthis?【選項(xiàng)】A.Type1B.Type2C.Type3D.Type4【參考答案】C【詳細(xì)解析】該句含過(guò)去完成時(shí)（hadknown）和wouldhavedone，屬混合條件句（Type3），描述與過(guò)去事實(shí)相反的假設(shè)。A型（過(guò)去事實(shí)）需用"had+過(guò)去分詞+wouldhavedone"，但主句用過(guò)去時(shí)；B型（現(xiàn)在事實(shí)）用"if+過(guò)去式，wouldhavedone"；D型（將來(lái)事實(shí)）用"if+should/wereto+動(dòng)詞原形，wouldhavedone"?！绢}干6】Thecontract,signedbybothpartieslastmonth,willtakeeffectimmediately.Whatisthefunctionof"signed"?【選項(xiàng)】A.PastparticipleB.InfinitiveC.PresentparticipleD.Relativepronoun【參考答案】A【詳細(xì)解析】"signed"是過(guò)去分詞作后置定語(yǔ)，修飾"contract"。C選項(xiàng)現(xiàn)在分詞表主動(dòng)或進(jìn)行，但此處需被動(dòng)意義（合同被簽署）；B選項(xiàng)缺少to，D選項(xiàng)需接關(guān)系代詞（如which/thatsigned）?！绢}干7】Thefinancialstatementsforthequartershowasignificantincreaseinrevenue.Whatisthemeaningof"quarter"?【選項(xiàng)】A.AfourthofayearB.Athree-monthperiodC.AfinancialtermD.Aspecificmonth【參考答案】B【詳細(xì)解析】"quarter"在財(cái)務(wù)語(yǔ)境中指“季度”，即三個(gè)月（B）。A選項(xiàng)錯(cuò)誤因“fourth”指四分之一整體；C選項(xiàng)籠統(tǒng)，D選項(xiàng)與季度無(wú)關(guān)?！绢}干8】Herexplanationclarifiedtheconfusionthathadarisenduringthediscussion.Whatisthemeaningof"arisen"?【選項(xiàng)】A.disappearedB.appearedC.disappearedD.resolved【參考答案】B【詳細(xì)解析】"arisen"是"arise"的過(guò)去分詞，意為“出現(xiàn)”（B）。A和C重復(fù)且表負(fù)面含義，D選項(xiàng)"resolved"表解決，與題干“clarification”邏輯矛盾?！绢}干9】Theboardofdirectorsapprovedthemergerproposalyesterday.Whatisthetenseusedhere?【選項(xiàng)】A.PresentPerfectB.PastContinuousC.PastSimpleD.FutureContinuous【參考答案】C【詳細(xì)解析】"approved"為過(guò)去時(shí)，表示昨日完成的動(dòng)作（C）。A選項(xiàng)強(qiáng)調(diào)持續(xù)影響，但無(wú)時(shí)間狀語(yǔ)；B選項(xiàng)需接進(jìn)行狀態(tài)（如wasapproving）；D選項(xiàng)表未來(lái)持續(xù)，與過(guò)去事實(shí)矛盾?！绢}干10】Themanagerdiscardedtheoutdatedprocedureswhilekeepingtheeffectiveones.Whatisthedifferencebetween"discarded"and"kept"?【選項(xiàng)】A.Discardmeans"tothrowaway",keepmeans"toretain"B.Discardmeans"todiscuss",keepmeans"todelete"C.Discardmeans"tomodify",keepmeans"tocancel"D.Discardmeans"toreview",keepmeans"toadopt"【參考答案】A【詳細(xì)解析】"discard"指“廢棄”（A），"keep"指“保留”。B選項(xiàng)混淆動(dòng)詞含義；C選項(xiàng)“modify”表修改，與題干“discarded”邏輯不符；D選項(xiàng)“review”表審查，非“廢棄”含義?！绢}干11】Thecompany'sannualreport,releasedinJanuary,includesdetailedfinancialdata.Whatisthemeaningof"released"?【選項(xiàng)】A.PublishedB.DistributedC.AnnouncedD.Archived【參考答案】A【詳細(xì)解析】"released"在此指“發(fā)布”（A），即正式公開。B選項(xiàng)“分發(fā)”與財(cái)務(wù)報(bào)告發(fā)布無(wú)關(guān)；C選項(xiàng)“宣布”側(cè)重口頭通知；D選項(xiàng)“歸檔”表存儲(chǔ)而非公開。【題干12】Despitethechallenges,theprojectisexpectedtobecompletedonschedule.Whatisthemeaningof"despite"?【選項(xiàng)】A.AlthoughB.BecauseC.EvenifD.Inadditionto【參考答案】A【詳細(xì)解析】"despite"表讓步，對(duì)應(yīng)“although”（A）。B選項(xiàng)表因果關(guān)系，與題干“挑戰(zhàn)存在但項(xiàng)目仍可能完成”矛盾；C選項(xiàng)“即使”需接否定條件；D選項(xiàng)“除...外”表遞進(jìn)?！绢}干13】Theboardofdirectorsapprovedthemergerproposalyesterday.Whatisthetenseusedhere?【選項(xiàng)】A.PresentPerfectB.PastContinuousC.PastSimpleD.FutureContinuous【參考答案】C【詳細(xì)解析】同第9題解析，正確答案為C?！绢}干14】Thefinancialstatementsforthequartershowasignificantincreaseinrevenue.Whatisthemeaningof"quarter"?【選項(xiàng)】A.AfourthofayearB.Athree-monthperiodC.AfinancialtermD.Aspecificmonth【參考答案】B【詳細(xì)解析】同第7題解析，正確答案為B?！绢}干15】NotonlydidtheCEOattendthemeeting,buthealsopresentedthenewstrategy.Whatisthegrammaticalstructurehere?【選項(xiàng)】A.InvertedsentenceB.DoublenegationC.ParallelstructureD.Conditionalclause【參考答案】A【詳細(xì)解析】"Notonly"引導(dǎo)倒裝結(jié)構(gòu)（A），強(qiáng)調(diào)主語(yǔ)。C選項(xiàng)“并列結(jié)構(gòu)”需用"notonly...butalso"完整形式，但此處倒裝更突出；B選項(xiàng)“雙重否定”無(wú)否定詞；D選項(xiàng)“條件從句”需含if引導(dǎo)?！绢}干16】Thecommitteemembers,allofwhomareexperiencedprofessionals,willreviewtheproposal.Whatisthefunctionof"whom"?【選項(xiàng)】A.RelativepronounB.ConjunctionC.PrepositionD.Interjection【參考答案】A【詳細(xì)解析】"whom"引導(dǎo)定語(yǔ)從句修飾"committeemembers"，屬關(guān)系代詞（A）。B選項(xiàng)需接從句，C選項(xiàng)需接介詞，D選項(xiàng)表感嘆。【題干17】Thefinancialreports,havingbeenaudited,wereapprovedbytheauditors.Whatisthemeaningof"havingbeenaudited"?【選項(xiàng)】A.HavingundergonetheprocessofauditB.HavingbeenpublishedC.HavingbeendiscussedD.Havingbeenrejected【參考答案】A【詳細(xì)解析】"havingbeenaudited"是完成被動(dòng)語(yǔ)態(tài)，表“經(jīng)審計(jì)后”（A）。B選項(xiàng)“出版”與審計(jì)無(wú)關(guān)；C選項(xiàng)“討論”屬主動(dòng)行為；D選項(xiàng)“被拒絕”與“approved”矛盾?！绢}干18】Theboardofdirectorsapprovedthemergerproposalyesterday.Whatisthetenseusedhere?【選項(xiàng)】A.PresentPerfectB.PastContinuousC.PastSimpleD.FutureContinuous【參考答案】C【詳細(xì)解析】同第9題解析，正確答案為C?！绢}干19】Thefinancialstatementsforthequartershowasignificantincreaseinrevenue.Whatisthemeaningof"quarter"?【選項(xiàng)】A.AfourthofayearB.Athree-monthperiodC.AfinancialtermD.Aspecificmonth【參考答案】B【詳細(xì)解析】同第7題解析，正確答案為B。【題干20】NotonlydidtheCEOattendthemeeting,buthealsopresentedthenewstrategy.Whatisthegrammaticalstructurehere?【選項(xiàng)】A.InvertedsentenceB.DoublenegationC.ParallelstructureD.Conditionalclause【參考答案】A【詳細(xì)解析】同第15題解析，正確答案為A。2025年興業(yè)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】IfIwereyou,Iwouldhaveappliedforthepositionbeforethedeadlinetosecureabetterchance.【選項(xiàng)】A.hadappliedB.applyC.appliedD.willapply【參考答案】C【詳細(xì)解析】此題考查虛擬語(yǔ)氣。原句使用"were"引導(dǎo)與過(guò)去事實(shí)相反的虛擬條件句，正確結(jié)構(gòu)為"if+過(guò)去式，主句用過(guò)去完成時(shí)"。因此正確答案為C（applied）?！绢}干2】Themanageremphasizedthattheprojectmustbecompletedbynextmonth,otherwisetheclientwouldbedissatisfied.【選項(xiàng)】A.wouldbedissatisfiedB.wouldhavebeendissatisfiedC.wouldbecomedissatisfiedD.mightbedissatisfied【參考答案】A【詳細(xì)解析】考查情態(tài)動(dòng)詞與結(jié)果狀語(yǔ)從句搭配。原句表示將來(lái)可能發(fā)生的后果，"must+動(dòng)詞原形"表義務(wù)，"otherwise"引導(dǎo)結(jié)果從句需用"would+動(dòng)詞原形"結(jié)構(gòu)，故選A?！绢}干3】Thereportoutlinesseveralstrategiestomitigatetheimpactofeconomicfluctuationsonthebank'soperations.【選項(xiàng)】A.alleviateB.alleviateC.alleviateD.alleviate【參考答案】A【詳細(xì)解析】固定搭配辨析題。"mitigate"與"impact"構(gòu)成固定搭配，表示減輕影響。其他選項(xiàng)如"alleviate"多與"problem"搭配（如alleviatepoverty），此處應(yīng)選A?！绢}干4】Despitethechallenges,thedigitaltransformationhassignificantlyimprovedcustomerserviceefficiency.【選項(xiàng)】A.HoweverB.NeverthelessC.ThereforeD.Moreover【參考答案】B【詳細(xì)解析】邏輯連接詞題。"Despite"表讓步，后接逗號(hào)需用并列連詞，"Nevertheless"符合語(yǔ)法規(guī)則，表示轉(zhuǎn)折。其他選項(xiàng)A（However）需接逗號(hào)后使用，C（Therefore）表遞進(jìn)，D（Moreover）表并列均不適用?！绢}干5】Itiswidelyacknowledgedthateffectiveriskmanagementrequiresbothproactivemeasuresandreactiveadjustments.【選項(xiàng)】A.proactiveandreactiveB.proactiveorreactiveC.proactivebutreactiveD.proactivewhilereactive【參考答案】A【詳細(xì)解析】固定短語(yǔ)辨析題。"both...and"表并列關(guān)系，正確搭配為A。B（or）表選擇關(guān)系，C（but）表轉(zhuǎn)折，D（while）表對(duì)比均不符合語(yǔ)境?！绢}干6】Thefinancialstatementsforthequartershowa15%increaseinnon-performingloanscomparedtothepreviousyear.【選項(xiàng)】A.risingB.risingC.risingD.rising【參考答案】A【詳細(xì)解析】固定搭配題。"increase"與"comparedto"構(gòu)成固定比較結(jié)構(gòu)，需用形容詞比較級(jí)形式。正確答案為A（rising），其他選項(xiàng)重復(fù)出現(xiàn)為干擾項(xiàng)?！绢}干7】Theboardofdirectorshasapprovedthenewinvestmentstrategyproposedbythechieffinancialofficer.【選項(xiàng)】A.proposedB.beingproposedC.havingbeenproposedD.beinghavingproposed【參考答案】B【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"propose"在此作后置定語(yǔ)，修飾"strategy"，需用現(xiàn)在分詞被動(dòng)式，即B（beingproposed）。A（proposed）表已完成動(dòng)作，C（havingbeenproposed）表動(dòng)作完成于主句之前，D語(yǔ)法錯(cuò)誤。【題干8】Inordertoenhanceoperationaltransparency,thebankwillimplementanewinternalauditingsystemnextmonth.【選項(xiàng)】A.implementB.implementingC.implementedD.havingimplemented【參考答案】A【詳細(xì)解析】不定式表目的題。"inorderto"引導(dǎo)目的狀語(yǔ)從句，從句主語(yǔ)與動(dòng)詞間需用不定式，即A（implement）。B（implementing）表伴隨動(dòng)作，C（implemented）表已完成動(dòng)作，D（havingimplemented）表動(dòng)作完成于主句之前?！绢}干9】Therecentdatabreachhasexposedcustomerinformation,promptingthebanktoenhancecybersecuritymeasures.【選項(xiàng)】A.exposedB.exposingC.havingexposedD.beingexposed【參考答案】A【詳細(xì)解析】分詞作后置定語(yǔ)題。"exposed"作"breach"的后置定語(yǔ)，說(shuō)明事件的結(jié)果，用過(guò)去分詞。B（exposing）表主動(dòng)發(fā)出動(dòng)作，C（havingexposed）表動(dòng)作完成于主句之前，D（beingexposed）表被動(dòng)承受動(dòng)作均不符合語(yǔ)境?！绢}干10】Itiscrucialforfinancialinstitutionstoadoptsustainablepracticesinordertomeetregulatoryrequirements.【選項(xiàng)】A.adoptB.adoptingC.adoptedD.adopting【參考答案】A【詳細(xì)解析】不定式表目的題。"inorderto"引導(dǎo)目的狀語(yǔ)從句，從句主語(yǔ)與動(dòng)詞間需用不定式，即A（adopt）。B（adopting）表伴隨動(dòng)作，C（adopted）表已完成動(dòng)作，D（adopting）語(yǔ)法錯(cuò)誤?！绢}干11】Thememoemphasizestheimportanceofcross-departmentalcollaborationtooptimizeresourceallocation.【選項(xiàng)】A.optimizeB.optimizingC.optimizedD.optimizing【參考答案】A【詳細(xì)解析】固定搭配題。"optimize"與"allocation"構(gòu)成固定搭配，此處作動(dòng)詞，即A（optimize）。B（optimizing）表進(jìn)行時(shí)，C（optimized）表被動(dòng)完成，D（optimizing）語(yǔ)法錯(cuò)誤。【題干12】Arecentsurveyrevealsthat68%ofcustomersprefermobilebankingservicesovertraditionalbranches.【選項(xiàng)】A.revealsB.revealingC.revealedD.revealing【參考答案】A【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"reveal"作謂語(yǔ)動(dòng)詞，正確形式為A（reveals）。B（revealing）表伴隨動(dòng)作，C（revealed）表被動(dòng)完成，D（revealing）語(yǔ)法錯(cuò)誤。【題干13】Thefinancialcontrollerrequestedadditionalbudgetapprovalsfortheupcomingfiscalyear.【選項(xiàng)】A.requestedB.requestingC.requestedD.requesting【參考答案】A【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"requested"作謂語(yǔ)動(dòng)詞，正確形式為A（requested）。B（requesting）表進(jìn)行時(shí)，C（requested）與A重復(fù)，D（requesting）語(yǔ)法錯(cuò)誤。【題干14】Inlightoftheeconomicdownturn,thebankhasdecidedtofreezeallnewhiresuntilfurthernotice.【選項(xiàng)】A.freezeB.freezingC.frozenD.freezing【參考答案】A【詳細(xì)解析】不定式表原因題。"inlightof"引導(dǎo)原因狀語(yǔ)從句，從句主語(yǔ)與動(dòng)詞間需用不定式，即A（freeze）。B（freezing）表伴隨動(dòng)作，C（frozen）表被動(dòng)完成，D（freezing）語(yǔ)法錯(cuò)誤?！绢}干15】Theannualreporthighlightsthenecessityofdiversifyingrevenuestreamstoreduceoperationalrisks.【選項(xiàng)】A.diversifyingB.diversifiedC.diversifyD.diversifying【參考答案】A【詳細(xì)解析】動(dòng)名詞作后置定語(yǔ)題。"diversifying"作"revenuestreams"的后置定語(yǔ)，說(shuō)明動(dòng)作方式，用動(dòng)名詞。B（diversified）表被動(dòng)完成，C（diversify）表動(dòng)詞原形，D（diversifying）語(yǔ)法錯(cuò)誤?！绢}干16】Theboardmeetingadjournedafterthreehoursofheateddiscussionsregardingthemergerproposal.【選項(xiàng)】A.adjournedB.adjourningC.adjournedD.adjourning【參考答案】A【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"adjourned"作謂語(yǔ)動(dòng)詞，正確形式為A（adjourned）。B（adjourning）表進(jìn)行時(shí)，C（adjourned）與A重復(fù)，D（adjourning）語(yǔ)法錯(cuò)誤?！绢}干17】Thecentralbankhasloweredinterestratestostimulateeconomicgrowthandencourageborrowing.【選項(xiàng)】A.loweredB.loweringC.loweredD.lowering【參考答案】A【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"lowered"作謂語(yǔ)動(dòng)詞，正確形式為A（lowered）。B（lowering）表進(jìn)行時(shí)，C（lowered）與A重復(fù)，D（lowering）語(yǔ)法錯(cuò)誤?！绢}干18】Thefinancialstatementauditrevealeddiscrepanciesintheaccountsreceivablesection.【選項(xiàng)】A.revealedB.revealingC.revealedD.revealing【參考答案】A【詳細(xì)解析】非謂語(yǔ)動(dòng)詞題。"revealed"作謂語(yǔ)動(dòng)詞，正確形式為A（revealed）。B（revealing）表伴隨動(dòng)作，C（revealed）與A重復(fù)，D（revealing）語(yǔ)法錯(cuò)誤?！绢}干19】ThememoinstructsallemployeestocompletethecompliancetrainingprogrambyFriday.【選項(xiàng)】A.instructB.instructingC.instructedD.instructing【參考答案】A【詳細(xì)解析】不定式表目的題。"instruct"作謂語(yǔ)動(dòng)詞，正確形式為A（instruct）。B（instructing）表進(jìn)行時(shí)，C（instructed）表被動(dòng)完成，D（instructing）語(yǔ)法錯(cuò)誤?！绢}干20】Thefinancialanalysissuggeststhatthebank'sinvestmentsinrenewableenergysectorsareunderperforming.【選項(xiàng)】A.underperformingB.underperformC.underperformingD.underperforming【參考答案】A【詳細(xì)解析】動(dòng)名詞作后置定語(yǔ)題。"underperforming"作"investments"的后置定語(yǔ)，說(shuō)明動(dòng)作狀態(tài)，用動(dòng)名詞。B（underperform）表動(dòng)詞原形，C（underperforming）與A重復(fù)，D（underperforming）語(yǔ)法錯(cuò)誤。2025年興業(yè)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，"Thebankoffersfinancialservicestocustomers,includingloansanddeposits."中"deposits"最可能指什么？【選項(xiàng)】A.存款保險(xiǎn)B.存款利息C.存款業(yè)務(wù)D.存款憑證【參考答案】C【詳細(xì)解析】"deposits"在金融語(yǔ)境中通常指存款業(yè)務(wù)，對(duì)應(yīng)銀行提供的存款服務(wù)。選項(xiàng)A存款保險(xiǎn)是政府提供的保障，B存款利息是存款的收益，D存款憑證是證明存款存在的文件，均不符合題意?！绢}干2】虛擬語(yǔ)氣中，"IfIwereyou,Iwouldinvestinbonds."的正確性取決于什么條件？【選項(xiàng)】A.主語(yǔ)與客觀事實(shí)一致B.從句使用過(guò)去時(shí)態(tài)C.主句使用would結(jié)構(gòu)D.全句使用過(guò)去時(shí)態(tài)【參考答案】B【詳細(xì)解析】虛擬語(yǔ)氣要求從句使用與事實(shí)相反的過(guò)去時(shí)態(tài)（were代替am），主句用would結(jié)構(gòu)表示假設(shè)性建議。選項(xiàng)B正確，其他選項(xiàng)均不符合虛擬語(yǔ)氣規(guī)則?！绢}干3】Whichphrasebestcompletesthesentence:"Themanageremphasizedtheimportanceof______inriskmanagement."【選項(xiàng)】A.riskassessmentB.costreductionC.profitmaximizationD.employeetraining【參考答案】A【詳細(xì)解析】"riskmanagement"（風(fēng)險(xiǎn)管理）的核心環(huán)節(jié)是風(fēng)險(xiǎn)評(píng)估（riskassessment），其他選項(xiàng)與題干邏輯關(guān)聯(lián)較弱。固定搭配中"emphasizetheimportanceof"常接具體實(shí)施環(huán)節(jié)。【題干4】"Thebank'snewpolicyaimstoreducetransactionfeesby20%."中"fees"的復(fù)數(shù)形式使用依據(jù)是什么？【選項(xiàng)】A.指代單數(shù)概念B.強(qiáng)調(diào)服務(wù)多樣性C.金融術(shù)語(yǔ)慣例D.美式英語(yǔ)習(xí)慣【參考答案】C【詳細(xì)解析】金融領(lǐng)域"fees"固定用復(fù)數(shù)形式表示各類服務(wù)收費(fèi)總和，如賬戶管理費(fèi)、轉(zhuǎn)賬費(fèi)等。單數(shù)形式僅用于特指某項(xiàng)具體費(fèi)用?！绢}干5】Whichsentencecontainsamisplacedmodifier？【選項(xiàng)】A.Runningquicklytocatchthetrain,heforgothiswallet.B.Thereportwrittenbytheteamwasimpressive.C.Shesmiledatthebaby,holdingaflower.D.Afterfinishinghomework,thedogbarkedloudly.【參考答案】C【詳細(xì)解析】選項(xiàng)C中"holdingaflower"應(yīng)緊接"baby"后，正確語(yǔ)序應(yīng)為"Shesmiledatthebabyholdingaflower."，原句修飾成分位置錯(cuò)誤。【題干6】在商務(wù)信函中，"Weregrettoinformyouthatyourapplication..."屬于什么語(yǔ)氣？【選項(xiàng)】A.正式禮貌B.委婉拒絕C.直接否定D.主動(dòng)提議【參考答案】B【詳細(xì)解析】商務(wù)拒絕信需遵循"三明治原則"：開頭禮貌致歉，中間說(shuō)明原因，結(jié)尾表達(dá)感謝。選項(xiàng)B"委婉拒絕"準(zhǔn)確描述該句式功能?！绢}干7】"Theinterestrateisexpectedtorise,whichmayaffectdepositors."中"affect"的及物性依據(jù)是什么？【選項(xiàng)】A.后接雙賓語(yǔ)結(jié)構(gòu)B.后接介詞短語(yǔ)C.后接被動(dòng)語(yǔ)態(tài)D.金融術(shù)語(yǔ)特性【參考答案】C【詳細(xì)解析】"affect"在此處為及物動(dòng)詞，后接被動(dòng)語(yǔ)態(tài)（beaffected）構(gòu)成固定搭配，表示利率變動(dòng)對(duì)儲(chǔ)戶的影響。其他選項(xiàng)均不符合語(yǔ)法規(guī)則?！绢}干8】Whichclauseisanounclausefunctioningasthesubject?【選項(xiàng)】A.HowtoimproveservicequalityB.ThemeetingscheduledfortomorrowC.WhatcausedthefinancialcrisisD.Becausethemarketdropped【參考答案】C【詳細(xì)解析】選項(xiàng)C"whatcaused..."是名詞性從句作主語(yǔ)，正確語(yǔ)序?yàn)?Whatcausedthecrisis..."。其他選項(xiàng)中A為不定式短語(yǔ)，B為定語(yǔ)從句，D為原因狀語(yǔ)從句?！绢}干9】在完形填空中，"Theclientrequestedadetailedreport,______wassubmittedwithin24hours."最可能填入：【選項(xiàng)】A.whichB.thatC.whereD.when【參考答案】A【詳細(xì)解析】非限制性定語(yǔ)從句修飾整個(gè)主句，用which引導(dǎo)，先行詞為"report"。選項(xiàng)B限制性從句會(huì)改變句意，C/D與時(shí)間無(wú)關(guān)。【題干10】"Thebank'sliquidityratioexceedsregulatoryrequirements."中"exceeds"的被動(dòng)含義如何理解？【選項(xiàng)】A.被監(jiān)管機(jī)構(gòu)超越B.被市場(chǎng)超越C.被要求超越D.被達(dá)標(biāo)超越【參考答案】C【詳細(xì)解析】"exceedsregulatoryrequirements"指超過(guò)監(jiān)管規(guī)定的標(biāo)準(zhǔn)值，隱含"被監(jiān)管要求達(dá)到更高標(biāo)準(zhǔn)"的被動(dòng)含義。其他選項(xiàng)與金融監(jiān)管語(yǔ)境不符?！绢}干11】Whichconjunctionshowscontrastbetweentwoclauses？【選項(xiàng)】A.althoughB.becauseC.howeverD.whereas【參考答案】D【詳細(xì)解析】"whereas"用于對(duì)比前后分句，如："Ourprofitsincreased,whereascompetitors'fell."選項(xiàng)A表讓步，C表轉(zhuǎn)折但需接逗號(hào)?！绢}干12】在語(yǔ)法結(jié)構(gòu)中，"Themoneybeingdepositedwillbeinsured."屬于哪種非謂語(yǔ)動(dòng)詞用法？【選項(xiàng)】A.分詞作定語(yǔ)B.賓語(yǔ)補(bǔ)足語(yǔ)C.主語(yǔ)補(bǔ)足語(yǔ)D.獨(dú)立主格結(jié)構(gòu)【參考答案】D【詳細(xì)解析】"beingdeposited"與主語(yǔ)"money"構(gòu)成獨(dú)立主格結(jié)構(gòu)，表示存款狀態(tài)，補(bǔ)充說(shuō)明主句主語(yǔ)。其他選項(xiàng)不符合結(jié)構(gòu)特征?！绢}干13】"Thebank'sannualreport,______waspublishedlastmonth,highlightsQ4performance."中空格處應(yīng)填：【選項(xiàng)】A.whichB.thatC.whereD.when【參考答案】A【詳細(xì)解析】非限制性定語(yǔ)從句修飾整個(gè)主句，用which引導(dǎo)，先行詞為"report"。選項(xiàng)B限制性從句會(huì)改變句意，C/D與時(shí)間無(wú)關(guān)。【題干14】Whichsentenceusesthepresentperfecttensecorrectly？【選項(xiàng)】A.Ihavepassedtheexamyesterday.B.Shehasbeenworkingheresince2020.C.Theconferencewillbeginnextweek.D.Theyhavealreadylefttheoffice.【參考答案】B【詳細(xì)解析】"since2020"表示持續(xù)到現(xiàn)在的動(dòng)作，用現(xiàn)在完成時(shí)。選項(xiàng)A時(shí)態(tài)錯(cuò)誤，C/D用一般將來(lái)時(shí)和現(xiàn)在完成時(shí)但邏輯不符?！绢}干15】在商務(wù)郵件中，"Pleasefindattachedtheupdatedfinancialstatementsforyourreview."屬于哪種句式功能？【選項(xiàng)】A.邀請(qǐng)語(yǔ)B.主題句C.補(bǔ)充說(shuō)明D.結(jié)束語(yǔ)【參考答案】C【詳細(xì)解析】"Pleasefindattached..."是正式郵件中常用的附件說(shuō)明句式，屬于補(bǔ)充說(shuō)明當(dāng)前郵件內(nèi)容。選項(xiàng)A為邀請(qǐng)，D為結(jié)束語(yǔ)，B不符合語(yǔ)境?！绢}干16】"Theloanagreementmustbecountersignedbybothpartiesbeforesigning."中"countersigned"的語(yǔ)義依據(jù)是什么？【選項(xiàng)】A.雙重簽署B(yǎng).修正條款C.法定程序D.格式要求【參考答案】A【詳細(xì)解析】"countersign"指雙方重復(fù)簽署合同，形成法律效力的必要程序。選項(xiàng)B修正條款需用amend，C/D與簽署動(dòng)作無(wú)關(guān)?！绢}干17】Whichphraseisaphrasalverbmeaning"toofficiallybegin"?【選項(xiàng)】A.comeintoeffectB.takeeffectC.putintopracticeD.carryout【參考答案】A【詳細(xì)解析】"comeintoeffect"是固定搭配，表示正式生效。選項(xiàng)B"takeeffect"側(cè)重生效結(jié)果，C/D指實(shí)施過(guò)程?！绢}干18】在語(yǔ)法填空題中，"Theinterestrate,______isdeterminedbythecentralbank,willbeannouncedtomorrow."應(yīng)填入：【選項(xiàng)】A.whichB.thatC.whereD.when【參考答案】A【詳細(xì)解析】非限制性定語(yǔ)從句修飾整個(gè)主句，先行詞為"interestrate"，用which引導(dǎo)。選項(xiàng)B限制性從句會(huì)改變句意，C/D與時(shí)間無(wú)關(guān)?！绢}干19】Whichsentenceusesthecorrectcomparativedegreeof"important"？【選項(xiàng)】A.Thisprojectismoreimportantthanlastyear's.B.Theimportanceofthisprojectismorehigher.C.Thisprojectismoreimportantwhichlastyear's.D.Thisprojectismoreimportantthananyother.【參考答案】A【詳細(xì)解析】比較級(jí)結(jié)構(gòu)"more+adj."正確，選項(xiàng)B"higher"用于形容詞high，C"which"引導(dǎo)從句錯(cuò)誤，D比較對(duì)象需具體化?！绢}干20】在閱讀理解中，"Thegraphillustratestheannualgrowthrateofthebank'sassetsfrom2018to2023."中"illustrates"的隱含含義是？【選項(xiàng)】A.提供數(shù)據(jù)來(lái)源B.解釋圖表內(nèi)容C.強(qiáng)調(diào)時(shí)間范圍D.比較行業(yè)趨勢(shì)【參考答案】B【詳細(xì)解析】"illustrate"在學(xué)術(shù)語(yǔ)境中常指通過(guò)圖表說(shuō)明具體數(shù)據(jù)，正確選項(xiàng)為B。選項(xiàng)C時(shí)間范圍由"from...to..."明確，D需比較其他行業(yè)。2025年興業(yè)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】Giventheincreasingdemandforremotework,manycompanieshaveadoptedflexibleworkingarrangementstoattracttalent.Whatisthemainpurposeofthefirstsentence?【選項(xiàng)】A.TointroducethetopicofflexibleschedulesB.TocontrasttraditionalandmodernworkstylesC.ToemphasizetheimportanceoftalentacquisitionD.Tosetupacause-effectrelationship【參考答案】A【詳細(xì)解析】首句通過(guò)“Given”引導(dǎo)的獨(dú)立主格結(jié)構(gòu)，明確說(shuō)明背景信息，旨在引出后文討論的具體措施（靈活工作安排），屬于典型的“背景引入型”題干結(jié)構(gòu)。選項(xiàng)A正確對(duì)應(yīng)“introducethetopic”，而選項(xiàng)D的因果關(guān)系需后文進(jìn)一步驗(yàn)證，故排除?！绢}干2】Thestudyfoundthatemployeeswhomaintainedapositiveattitudetowardchangesreported30%higherjobsatisfactionthanthosewhoresistedadaptation.Whatdoestheunderlinedphrase"reported"mostlikelymean?【選項(xiàng)】A.DocumentedofficiallyB.ExpressedverballyC.ReflectedinsurveysD.Predictedbyresearchers【參考答案】C【詳細(xì)解析】"Reported"在此語(yǔ)境中指通過(guò)研究數(shù)據(jù)或調(diào)查問(wèn)卷得出的結(jié)果，而非字面意義的“口頭報(bào)告”。選項(xiàng)C“reflectedinsurveys”準(zhǔn)確體現(xiàn)研究結(jié)論的客觀性，而選項(xiàng)A的“officially”過(guò)于強(qiáng)調(diào)行政流程，與語(yǔ)境不符?！绢}干3】Itisestimatedthatdigitaltransformationwillcontribute15-20%toGDPgrowthinemergingmarketsby2030,accordingtoaWorldEconomicForumreportpublishedlastyear.Whichofthefollowingisthebestexampleofapassivevoicestructure?【選項(xiàng)】A.Digitaltransformationwillcontribute...B.By2030,GDPgrowth...C.Thatdigitaltransformation...D.Itisestimatedthat...【參考答案】D【詳細(xì)解析】被動(dòng)語(yǔ)態(tài)的核心特征是“動(dòng)作承受者在前”，選項(xiàng)D中“it”作為形式主語(yǔ)，真正主語(yǔ)是“that從句”，符合被動(dòng)語(yǔ)態(tài)的語(yǔ)法結(jié)構(gòu)。其他選項(xiàng)均為主動(dòng)語(yǔ)態(tài)或無(wú)明確主被動(dòng)關(guān)系。【題干4】Therapiddeclineinrenewableenergycostshasledtoasurgeinsolarpanelinstallationsacrossdevelopednations.Whatdoestheword"surge"mostprobablyindicate?【選項(xiàng)】A.AgradualincreaseB.AsuddenbuttemporaryriseC.AsignificantandsustainedgrowthD.Aplannedexpansionprogram【參考答案】C【詳細(xì)解析】"Surge"在學(xué)術(shù)文本中通常指“激增”，即數(shù)量上的顯著且持續(xù)增長(zhǎng)，而非短暫波動(dòng)或計(jì)劃性擴(kuò)張。選項(xiàng)C“significantandsustainedgrowth”準(zhǔn)確對(duì)應(yīng)語(yǔ)義，選項(xiàng)B的“suddenbuttemporary”與“renewableenergycostsdecline”的長(zhǎng)期性矛盾。【題干5】Despitethecompany'sbestefforts,theprojectwasdelayedduetounforeseentechnicalcomplications,whichwerelaterattributedtooutdatedinfrastructure.Whatistheprimaryfunctionoftheunderlinedphrase"whichwerelaterattributed"?【選項(xiàng)】A.Tomodify"technicalcomplications"B.ToexplainthecauseofdelayC.TointroduceasubsequentdevelopmentD.Tocontrastpastandpresentsituations【參考答案】A【詳細(xì)解析】非限制性定語(yǔ)從句的先行詞為“unforeseentechnicalcomplications”，“which”指代技術(shù)問(wèn)題，而非延遲本身。選項(xiàng)A正確，選項(xiàng)B的因果關(guān)系需通過(guò)“dueto”明確表達(dá)，此處從句僅補(bǔ)充說(shuō)明技術(shù)問(wèn)題的根源?！绢}干6】Arecentsurveyrevealedthat68%ofmillennialspreferhybridworkmodelsoverfullyremoteoroffice-basedarrangements,withyounge