2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(5卷)2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(篇1)【題干1】Whichofthefollowingsentencesisgrammaticallycorrect?【選項】A.Shesuggestedtogoshopping.B.Heappearedtohaveleft.C.Themeetingwasattendedbymanypeople.D.Theydecidedgoingtothepark.【參考答案】B【詳細(xì)解析】B選項正確，"appeared"后接不定式"tohaveleft"表示與現(xiàn)在或過去事實相反的完成狀態(tài)。A選項誤用不定式"togo"代替"togoshopping"；C選項被動語態(tài)中"attendedby"缺少主語；D選項誤用動名詞"going"代替不定式"togo"?！绢}干2】Whatdoesthephrase"apieceofcake"typicallymean?【選項】A.VerydifficultB.VeryeasyC.SomethingnewD.Asmallcake【參考答案】B【詳細(xì)解析】"apieceofcake"是英語慣用語，比喻事情非常容易。A選項與慣用語含義相反；C選項指代不明；D選項字面意義與慣用語無關(guān)。【題干3】Whichconjunctionisusedtoshowcontrastbetweentwoideas?【選項】A.AndB.ButC.BecauseD.Or【參考答案】B【詳細(xì)解析】"but"是并列連詞，用于連接兩個對比性內(nèi)容，如："Itwasraining,butwewentout."A選項表順承，C選項表因果，D選項表選擇?！绢}干4】Whichverbformiscorrectinthesentence:"Shehasbeenworking______theprojectsinceMonday"?【選項】A.worksB.workedC.workingD.towork【參考答案】C【詳細(xì)解析】此處需用現(xiàn)在分詞"working"作現(xiàn)在完成進(jìn)行時的持續(xù)狀語，構(gòu)成"havebeenworkingsince"固定結(jié)構(gòu)。A選項用一般現(xiàn)在時錯誤；B選項過去式與完成時態(tài)沖突；D選項不定式表目的不適用?！绢}干5】Whatisthemainpurposeofthefollowingtext?"Thegovernmenthasannouncednewpoliciestoreducecarbonemissions,includingpromotingrenewableenergysourcesandimprovingpublictransportation."【選項】A.TodescribeahistoricaleventB.Toexplainacause-effectrelationshipC.ToargueacontroversialtopicD.Toprovidestep-by-stepinstructions【參考答案】B【詳細(xì)解析】文本通過"including"引出具體措施，說明政府為達(dá)成減排目標(biāo)采取的因果措施。A選項時間指向錯誤；C選項無爭議性表述；D選項缺少操作指南要素?！绢}干6】Whichadjectivecorrectlycompletesthesentence:"Thedoctor'sdiagnosis______unexpected."【選項】A.wasB.wasbeingC.hasbeenD.willbe【參考答案】C【詳細(xì)解析】此處需用現(xiàn)在完成時"hasbeen"強(qiáng)調(diào)診斷結(jié)果對現(xiàn)在的影響，構(gòu)成"havebeen+adj."固定結(jié)構(gòu)。A選項一般過去時僅描述過去事實；B選項被動進(jìn)行時無實際意義；D選項將來時態(tài)不匹配。【題干7】Whichwordisasynonymfor"frustrated"?【選項】A.HappyB.AnnoyedC.contentD.Optimistic【參考答案】B【詳細(xì)解析】"frustrated"指因受阻而惱怒，"annoyed"（惱火的）最接近。A選項積極情緒；C選項滿足；D選項樂觀。【題干8】Whichsentencecontainsamisplacedmodifier?【選項】A.Runningquickly,thechildcaughtthebus.B.Thebus,runningquickly,caughtthechild.C.Thechildcaughtthebusrunningquickly.D.Runningquickly,thebuscaughtthechild.【參考答案】B【詳細(xì)解析】B選項中"runningquickly"修飾"bus"導(dǎo)致邏輯錯誤，應(yīng)改為"Runningquickly,thechild..."或"Thebusrunningquickly..."。A、C、D選項修飾關(guān)系合理?！绢}干9】Whatisthefunctionoftheunderlinedphrase"notonly...butalso"inthesentence?"Readingnovelsnotonlyimprovesvocabularybutalsoenhancesemotionalintelligence."【選項】A.ConnecttwoindependentclausesB.IntroduceacontrastC.ExpressaconditionD.Showemphasis【參考答案】D【詳細(xì)解析】"notonly...butalso"是強(qiáng)調(diào)結(jié)構(gòu)，通過并列遞進(jìn)關(guān)系強(qiáng)調(diào)兩種并列效果。A選項需用"but"連接；B選項用"while"或"whereas"；C選項用"if"或"providedthat"?！绢}干10】Whichsentenceusesthepassivevoicecorrectly?【選項】A.Thebookwaswrittenbyafamousauthor.B.Afamousauthorwrotethebook.C.Thebookwrittenbyafamousauthorispopular.D.Thebookispopularwhichwaswrittenbyafamousauthor.【參考答案】A【詳細(xì)解析】A選項被動語態(tài)強(qiáng)調(diào)"book"而非作者；B選項主動語態(tài)；C選項"writtenby"作后置定語；D選項"which"引導(dǎo)非限制性定語從句邏輯混亂?！绢}干11】Whatisthegrammaticalerrorinthesentence:"Shedoesn'tlikeneitherapplesnorbananas"?【選項】A.DoublenegativeB.IncorrectconjunctionC.TenseinconsistencyD.Subject-verbagreement【參考答案】A【詳細(xì)解析】"neither...nor"結(jié)構(gòu)要求否定詞用"nor"而非"neither"，正確表達(dá)應(yīng)為"Shedoesn'tlikeneitherapplesnorbananas"（口語中可接受）或"Shelikesneitherapplesnorbananas"（正式）?！绢}干12】Whichphraseindicatesachronologicalorder?【選項】A.ForexampleB.InconclusionC.AsaresultD.Meanwhile【參考答案】D【詳細(xì)解析】"meanwhile"表示時間上的同時發(fā)生，如："Hewascooking;meanwhile,shewassettingthetable."A選項舉例；B選項總結(jié)；C選項結(jié)果?！绢}干13】Whichverbtenseisusedtodescribeanactionthatstartedinthepastandcontinuestothepresent?【選項】A.PresentperfectB.PastsimpleC.FuturecontinuousD.Presentcontinuous【參考答案】A【詳細(xì)解析】"presentperfect"強(qiáng)調(diào)過去動作對現(xiàn)在的影響，如："Shehasworkedheresince2020."B選項僅表過去事實；C選項表將來持續(xù)；D選項表現(xiàn)在進(jìn)行?！绢}干14】Whatisthecorrectwaytousethesubjunctivemoodinthesentence:"It'simportantthathe______themeetingontime"?【選項】A.attendB.attendsC.attendedD.willattend【參考答案】B【詳細(xì)解析】"it'simportantthat"后接虛擬語氣，主語為"he"需用原形"attends"。C選項過去式錯誤；D選項將來時態(tài)不適用。【題干15】Whichsentencecorrectlyusesaphrasalverb?【選項】A.Shelookforwardtomeetingyou.B.Hegaveupsmoking.C.Theytookuppainting.D.Theylookeduptheaddress.【參考答案】B【詳細(xì)解析】"giveup"（放棄）是正確搭配；A選項"lookforwardto"后接動名詞"meeting"；C選項"takeup"（開始從事）需接名詞；D選項"lookup"（查閱）需接名詞或代詞。【題干16】Whatisthepurposeoftheword"however"inthefollowingtext?"Manypeopleenjoyreading.However,noteveryoneprefersnovels."【選項】A.IntroduceanewtopicB.ShowcontrastC.ExpressagreementD.Indicateacause【參考答案】B【詳細(xì)解析】"however"引導(dǎo)的從句與主句形成觀點對比，正確選項為B。A選項用"moreover"；C選項用"aswellas"；D選項用"since"或"because"。【題干17】Whichsentenceusesthecorrectcomparativedegree?【選項】A.Thisbookismoreinterestingthanthatmovie.B.Thisbookmoreinterestingthanthatmovie.C.Thisbookismoreinterestingthanthatone.D.Thisbookmoreinterestingthanthat.【參考答案】C【詳細(xì)解析】比較級需用"than"連接，且比較對象需明確，"one"指代前文提到的"book"。A選項比較對象不明確；B、D選項缺少"be"動詞。【題干18】Whatisthefunctionofthephrase"asaresult"inthesentence?"Asaresultoftheeconomiccrisis,manycompanieslaidoffemployees."【選項】A.ExpresscauseB.ShoweffectC.IntroduceevidenceD.Pointoutatrend【參考答案】B【詳細(xì)解析】"asaresultof"引導(dǎo)結(jié)果狀語，強(qiáng)調(diào)經(jīng)濟(jì)危機(jī)導(dǎo)致裁員。A選項需用"becauseof"或"dueto"；C選項用"accordingto"；D選項用"currently"。【題干19】Whichsentenceusesthecorrectsuperlativeform?【選項】A.Sheisthemostbeautifulgirlintheclass.B.Sheismorebeautifulthananygirlintheclass.C.Sheisbeautifulthanmostgirls.D.Sheisthebeautifulgirlintheclass.【參考答案】A【詳細(xì)解析】最高級需用"the+形容詞最高級"，且比較范圍明確。B選項用比較級"more"；C選項比較級結(jié)構(gòu)錯誤；D選項最高級缺少"most"?！绢}干20】Whatisthecorrectwaytousetheword"consequence"?【選項】A.Theconsequenceofthedecisionwasimmediate.B.Weshouldavoidtheconsequenceofthismistake.C.Hefacedtheconsequenceofhisactions.D.Theconsequencewascausedbythemistake.【參考答案】C【詳細(xì)解析】"consequence"指行為導(dǎo)致的直接結(jié)果，C選項正確。A選項"immediate"與"consequence"搭配不當(dāng)；B選項"avoidconsequence"邏輯錯誤；D選項"causedby"應(yīng)改為"causedbythemistake"。2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(篇2)【題干1】新疆農(nóng)業(yè)發(fā)展銀行作為政策性銀行，其核心職能不包括以下哪項？【選項】A.提供普惠金融服務(wù)B.執(zhí)行國家農(nóng)業(yè)發(fā)展戰(zhàn)略C.開展國際外匯交易D.承擔(dān)地方政府債務(wù)【參考答案】C【詳細(xì)解析】新疆農(nóng)業(yè)發(fā)展銀行作為政策性銀行，主要職責(zé)是支持農(nóng)業(yè)、農(nóng)村和中小企業(yè)發(fā)展，執(zhí)行國家相關(guān)戰(zhàn)略。選項C國際外匯交易屬于商業(yè)銀行的常規(guī)業(yè)務(wù)，與政策性銀行的定位不符。【題干2】在閱讀銀行年報時，以下哪項屬于財務(wù)風(fēng)險管理的核心內(nèi)容？【選項】A.客戶投訴處理流程B.資產(chǎn)負(fù)債率分析C.員工培訓(xùn)計劃D.市場營銷策略【參考答案】B【詳細(xì)解析】資產(chǎn)負(fù)債率是衡量銀行財務(wù)穩(wěn)健性的關(guān)鍵指標(biāo)，直接影響償債能力和抗風(fēng)險能力。選項B直接關(guān)聯(lián)風(fēng)險管理，而其他選項屬于運營或戰(zhàn)略層面內(nèi)容?！绢}干3】"綠色信貸"政策的主要目標(biāo)是？【選項】A.降低企業(yè)融資成本B.減少碳排放C.提高存貸款利率D.擴(kuò)大政府補(bǔ)貼規(guī)?！緟⒖即鸢浮緽【詳細(xì)解析】綠色信貸是銀行針對環(huán)保項目的專項貸款，核心目標(biāo)是通過金融手段推動節(jié)能減排，選項B準(zhǔn)確概括其政策導(dǎo)向。【題干4】國際結(jié)算中，"信用證"（L/C）的核心特征是？【選項】A.無需銀行保函B.買賣雙方直接結(jié)算C.以銀行信用為保障D.必須使用SWIFT系統(tǒng)【參考答案】C【詳細(xì)解析】信用證的核心是銀行作為中間人提供信用擔(dān)保，確保付款安全。選項C正確，而其他選項均不符合信用證運作機(jī)制?！绢}干5】在銀行風(fēng)險管理中，"巴塞爾協(xié)議"要求最低資本充足率是多少？【選項】A.5%B.8%C.10%D.12%【參考答案】B【詳細(xì)解析】巴塞爾協(xié)議II階段規(guī)定，銀行核心一級資本充足率需達(dá)到8%，這是國際銀行業(yè)監(jiān)管的基準(zhǔn)標(biāo)準(zhǔn)。【題干6】"銀團(tuán)貸款"（SyndicatedLoan）的特點不包括？【選項】A.多家銀行聯(lián)合放貸B.貸款期限通常為5-10年C.僅限大型企業(yè)申請D.貸款利率由基準(zhǔn)利率加點確定【參考答案】C【詳細(xì)解析】銀團(tuán)貸款通過多家銀行共同參與分散風(fēng)險，適用于中大型企業(yè)，且利率通常基于市場基準(zhǔn)加點計算，選項C限制條件過于嚴(yán)格?！绢}干7】"不良貸款"（Non-PerformingLoan）的認(rèn)定標(biāo)準(zhǔn)是？【選項】A.貸款逾期30天以內(nèi)B.貸款本金逾期超過90天C.銀行內(nèi)部催收失敗D.借款人申請展期【參考答案】B【詳細(xì)解析】國際會計準(zhǔn)則規(guī)定，逾期90天以上且銀行認(rèn)為無法收回的貸款劃為不良貸款，選項B準(zhǔn)確?！绢}干8】在英語閱讀中，"mainly"一詞的強(qiáng)調(diào)對象通常是？【選項】A.前文列舉的所有內(nèi)容B.最后一個要點C.隱含的次要信息D.前文未提及的內(nèi)容【參考答案】A【詳細(xì)解析】"mainly"作為副詞，通常修飾整個前句內(nèi)容，表示整體主要方面，而非單一選項?！绢}干9】"SWIFT系統(tǒng)"（SocietyforWorldInterbankFinancialTelecommunication）的主要功能是？【選項】A.提供實時匯率查詢B.實現(xiàn)跨境資金清算C.開展外匯交易D.發(fā)布央行政策聲明【參考答案】B【詳細(xì)解析】SWIFT是國際銀行間資金傳輸?shù)臉?biāo)準(zhǔn)通訊系統(tǒng)，選項B直接對應(yīng)其核心功能?！绢}干10】"杠桿率"（LeverageRatio）在銀行業(yè)中的計算公式為？【選項】A.總資產(chǎn)/總負(fù)債B.總負(fù)債/總資產(chǎn)C.凈利潤/總資產(chǎn)D.資本充足率/風(fēng)險加權(quán)資產(chǎn)【參考答案】B【詳細(xì)解析】杠桿率反映銀行資本對負(fù)債的撬動能力，公式為總負(fù)債除以總資產(chǎn)，選項B正確。【題干11】"再貼現(xiàn)"（Rediscount）業(yè)務(wù)中，中央銀行的角色是？【選項】A.債券發(fā)行人B.資金需求方C.最終借款人D.信用中介【參考答案】D【詳細(xì)解析】再貼現(xiàn)是商業(yè)銀行將未到期票據(jù)向央行申請貼現(xiàn)，央行作為最終資金提供方，承擔(dān)信用中介職能。【題干12】閱讀理解中，"conclusively"一詞通常修飾？【選項】A.個人觀點B.實證數(shù)據(jù)C.背景信息D.歷史案例【參考答案】A【詳細(xì)解析】"conclusively"強(qiáng)調(diào)結(jié)論性，多用于總結(jié)性觀點，而非客觀數(shù)據(jù)或背景信息?！绢}干13】"資產(chǎn)證券化"（Asset-BackedSecurities）的核心目的是？【選項】A.降低融資成本B.分散投資風(fēng)險C.提高存款準(zhǔn)備金率D.擴(kuò)大政府干預(yù)力度【參考答案】B【詳細(xì)解析】通過將標(biāo)準(zhǔn)化資產(chǎn)打包發(fā)行證券，將風(fēng)險轉(zhuǎn)移給投資者，實現(xiàn)風(fēng)險分散。【題干14】在英語語法中，"non-restrictiveclause"的標(biāo)志詞是？【選項】A.whichB.thatC.ifD.as【參考答案】A【詳細(xì)解析】非限定性定語從句用"which"引導(dǎo)，且前后有逗號分隔，強(qiáng)調(diào)附加說明?！绢}干15】"抵押貸款"（MortgageLoan）的典型特征是？【選項】A.無需抵押物B.貸款期限短于5年C.利率固定不變D.需提供擔(dān)保人【參考答案】C【詳細(xì)解析】抵押貸款以不動產(chǎn)為抵押，利率多為浮動或固定，但選項C固定利率并非絕對特征，需結(jié)合題干具體分析?！绢}干16】"基準(zhǔn)利率"（BaseRate）的調(diào)整主要影響？【選項】A.企業(yè)存款利率B.貸款市場利率C.外匯匯率D.政府債券收益率【參考答案】B【詳細(xì)解析】基準(zhǔn)利率是銀行貸款定價的基礎(chǔ)，直接影響市場融資成本，選項B正確。【題干17】在閱讀中，"however"引導(dǎo)的句子通常表達(dá)？【選項】A.遞進(jìn)關(guān)系B.轉(zhuǎn)折關(guān)系C.因果關(guān)系D.并列關(guān)系【參考答案】B【詳細(xì)解析】"however"為轉(zhuǎn)折連詞，連接前后語義相反或相對的內(nèi)容，選項B準(zhǔn)確?！绢}干18】"壞賬準(zhǔn)備金"（ProvisionforBadLoans）的計提依據(jù)是？【選項】A.銀行利潤的10%B.風(fēng)險加權(quán)資產(chǎn)的一定比例C.客戶存款總額D.政府財政補(bǔ)貼【參考答案】B【詳細(xì)解析】根據(jù)巴塞爾協(xié)議，壞賬準(zhǔn)備金需按風(fēng)險加權(quán)資產(chǎn)的一定比例計提，選項B正確?！绢}干19】"信用評分"（CreditScore）對貸款審批的影響是？【選項】A.直接決定是否放貸B.影響貸款利率高低C.確定還款期限長短D.決定抵押物價值【參考答案】B【詳細(xì)解析】信用評分用于評估借款人違約風(fēng)險，直接影響貸款利率定價，而非直接審批或期限設(shè)定?！绢}干20】在英語寫作中，"demonstrate"與"prove"的主要區(qū)別在于？【選項】A.前者強(qiáng)調(diào)客觀證據(jù)，后者側(cè)重主觀證明B.前者用于學(xué)術(shù)寫作，后者用于法律文件C.前者需數(shù)據(jù)支持，后者可用案例佐證D.前者側(cè)重結(jié)果，后者強(qiáng)調(diào)過程【參考答案】A【詳細(xì)解析】"demonstrate"側(cè)重通過證據(jù)展示結(jié)果，"prove"強(qiáng)調(diào)用邏輯或事實確證主張，選項A準(zhǔn)確概括差異。2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(篇3)【題干1】根據(jù)上下文，"Thebank'sAIsystemcanautomaticallydetectfraudulenttransactionsbyanalyzingpatternsinspendinghabits."這句話中"analyzing"的時態(tài)應(yīng)如何選擇？【選項】A.一般現(xiàn)在時B.現(xiàn)在完成時C.過去進(jìn)行時D.將來時【參考答案】A【詳細(xì)解析】"analyzing"作為現(xiàn)在分詞作后置定語修飾"patterns"，與主句"candetect"構(gòu)成并列結(jié)構(gòu)，描述銀行AI系統(tǒng)能持續(xù)分析消費模式的能力，因此使用一般現(xiàn)在時。其他選項時態(tài)與主句邏輯不符?！绢}干2】Whichphrasebestcompletesthesentence:"Toensurecustomersatisfaction,banksshouldprioritize__________overstrictadherencetoprocedures."【選項】A.technologyupgradesB.flexibleserviceC.rigorousauditsD.centralizeddecision-making【參考答案】B【詳細(xì)解析】空格處需與"strictadherencetoprocedures"形成對比，強(qiáng)調(diào)服務(wù)靈活性。B選項"flexibleservice"（靈活服務(wù)）直接體現(xiàn)客戶導(dǎo)向原則，符合銀行業(yè)服務(wù)理念。其他選項涉及技術(shù)或監(jiān)管，與題干邏輯關(guān)聯(lián)較弱?！绢}干3】Thefinancialsectorincreasinglyreliesonbigdatatopredictmarkettrends,butthisapproachhasbeencriticizedfor__________risks.【選項】A.accumulatingB.underestimatingC.mitigatingD.mitigating【參考答案】B【詳細(xì)解析】"criticizedfor"后需接名詞性成分，B選項"underestimatingrisks"（低估風(fēng)險）符合語法結(jié)構(gòu)。D選項"mitigating"（緩解）與"criticized"語義矛盾，C選項"accumulating"（累積）與后接"risks"搭配不當(dāng)?！绢}干4】Inarecentsurvey,78%ofcustomersreportedimprovedexperienceafterthebankintroduceddigitalself-servicechannels.Thisdatasuggeststhat__________isakeydriverofcustomerloyalty.【選項】A.technologyadoptionB.employeetrainingC.physicalbranchexpansionD.feereduction【參考答案】A【詳細(xì)解析】題干通過數(shù)字服務(wù)渠道改善與客戶體驗提升的因果關(guān)系，強(qiáng)調(diào)技術(shù)因素的作用。A選項"technologyadoption"（技術(shù)應(yīng)用）直接對應(yīng)數(shù)字服務(wù)，D選項"feereduction"（費用減免）屬于次要因素?！绢}干5】Thebank'sriskmanagementmanualemphasizesthatalltransactionsexceeding$10,000mustbereviewedby__________.【選項】A.technologydepartmentB.legalteamC.auditcommitteeDcustomerservice【參考答案】C【詳細(xì)解析】銀行風(fēng)險管理的核心流程涉及資金審查，C選項"auditcommittee"（審計委員會）是專業(yè)負(fù)責(zé)財務(wù)監(jiān)督的機(jī)構(gòu)，B選項"legalteam"（法律團(tuán)隊）側(cè)重合規(guī)性審查而非資金金額審核?！绢}干6】Whichsentenceusesthepassivevoicecorrectly?A.Theloanapplicationwasapprovedbythemanager.B.Weapprovedtheloanapplicationyesterday.C.Themanagerapprovedtheloanapplication.D.Theapplicationwasapprovedyesterday.【參考答案】A【詳細(xì)解析】被動語態(tài)需強(qiáng)調(diào)動作承受者，A選項"wasapproved"被動結(jié)構(gòu)正確，且隱含銀行審批流程的專業(yè)性。B、C為主動語態(tài)，D缺少by引出執(zhí)行者，不符合規(guī)范。【題干7】Inthecontextofcross-bordertransactions,"FX"mostlikelystandsfor__________.【選項】A.ForeignExchangeB.FinancialXchangeC.ForeignInvestmentD.ForeignAccount【參考答案】A【詳細(xì)解析】銀行業(yè)務(wù)術(shù)語中"FX"特指外匯交易，B選項"FinancialXchange"不符合標(biāo)準(zhǔn)縮寫規(guī)范，D選項"ForeignAccount"屬于賬戶類型而非交易類別?！绢}干8】Thereportstatesthat"AI-drivenchatbotshandle65%ofroutinecustomerinquiries."Thisimpliesthat__________.【選項】A.AIcanreplacehumanemployeesentirelyB.AIimprovesoperationalefficiencyC.AIincreasesoperationalcostsD.AIreducescustomersatisfaction【參考答案】B【詳細(xì)解析】題干數(shù)據(jù)說明AI處理常規(guī)問題比例，B選項"提高運營效率"是直接推斷，A選項"完全替代人類"超出數(shù)據(jù)支持范圍，C選項"增加成本"與效率提升邏輯相悖?！绢}干9】Whichgrammarstructureisusedin"Notonlydidtheloantermschange,buttheinterestratesalsoincreased"?【選項】A.both...andBneither...norC.although...butD.although...but【參考答案】C【詳細(xì)解析】"notonly...butalso"結(jié)構(gòu)需用"although"引導(dǎo)讓步狀語從句，C選項正確。D選項"but"缺少"also"導(dǎo)致語法錯誤，B選項"neither...nor"與題干邏輯矛盾?！绢}干10】Thefinancialregulationsrequirethatallloansmustbedocumentedwith__________.【選項】A.oralagreementsB.signedcontractsC.electronicsignaturesD.oralexplanations【參考答案】B【詳細(xì)解析】銀行業(yè)務(wù)要求書面證據(jù)，B選項"signedcontracts"符合法律規(guī)范。C選項"electronicsignatures"雖為書面形式但需特定合規(guī)認(rèn)證，D選項"口頭解釋"不具備法律效力。【題干11】Whichsentencecontainsamisplacedmodifier?A.Themanager,satisfiedwiththeperformance,praisedtheteam.B.Theteam,praisedbythemanager,celebratedtheirsuccess.C.Afterthemanagerpraisedtheteam,theycelebrated.D.Theteamcelebratedafterbeingpraisedbythemanager.【參考答案】B【詳細(xì)解析】B選項"bythemanager"修飾"praised"時位置不當(dāng)，應(yīng)改為"Theteamcelebratedafterbeingpraisedbythemanager."其他選項語序正確。【題干12】Thebank'sannualreportmentionsthat"digitalplatformsreducedoperationalcostsby30%."Thisdemonstrates__________.【選項】A.technologicalstagnationB.technologicalinnovationC.financialstagnationD.marketstagnation【參考答案】B【詳細(xì)解析】成本降低直接體現(xiàn)技術(shù)應(yīng)用效果，B選項"技術(shù)創(chuàng)新"是題干數(shù)據(jù)的核心結(jié)論，A選項"技術(shù)停滯"與事實矛盾?！绢}干13】Whichsentenceusesthecorrectprepositionwith"compliance"?A.ThebankensurescompliancewithregulationsB.ThebankensurescomplianceinregulationsC.ThebankensurescompliancetoregulationsD.Thebankensurescomplianceatregulations【參考答案】A【詳細(xì)解析】"compliancewith"固定搭配表示符合，B選項"withregulations"語法錯誤，C、D選項介詞使用不當(dāng)。【題干14】Thephrase"adropinthebucket"inthecontextofloandefaultssuggests__________.【選項】A.asignificantimpactB.aminorissueC.urgentattentionD.permanentsolution【參考答案】B【詳細(xì)解析】"dropinthebucket"比喻微不足道，指違約金額相對于整體貸款規(guī)模很小，A選項"重大影響"與比喻含義相反。【題干15】Whichsentencecorrectlyuses"whereas"tocontrastideas?A.Theloanapprovalwasquickwhereastherepaymentprocesswasslow.B.Theloanapprovalwasquickbuttherepaymentprocesswasslow.C.Theloanapprovalwasquickandtherepaymentprocesswasslow.D.Theloanapprovalwasquick;therepaymentprocesswasslow.【參考答案】A【詳細(xì)解析】"whereas"用于明確對比，A選項正確使用。B選項"but"為并列連詞，D選項分號連接獨立分句但未體現(xiàn)對比。【題干16】Inthesentence"Theboardapprovedthemergerdespiteconcernsfromshareholders,"whichconjunctionisused?【選項】A.sothatB.asifC.becauseD.whereas【參考答案】C【詳細(xì)解析】"despite"表示讓步，后接原因需用"because"引出，C選項正確。D選項"whereas"用于對比而非讓步?！绢}干17】Whichwordisahomophonebuthasdifferentmeaningsinthesesentences?Ⅰ."Shehasa__________inhercar."（A.penB.panC.henD.ten）Ⅱ."Themeetinglastedfor__________hours."（A.penB.panC.henD.ten）【參考答案】D【詳細(xì)解析】Ⅰ空需選"pan"（平底鍋），Ⅱ空需選"ten"（十），"ten"與"pen"同音不同義，符合題目要求?！绢}干18】Whichsentenceuses"fiscalyear"correctly?A.Thebank'sfiscalyearendsinJune.B.Thebank'sfiscalyearendsinJune.C.Thebank'sfiscalyearendsonJune.D.Thebank'sfiscalyearendsJune.【參考答案】A【詳細(xì)解析】"fiscalyear"后接"endin"表示年份結(jié)束月份，B選項"endsinJune"正確。C選項"onJune"需加具體日期，D選項缺少介詞?！绢}干19】Whichsentencebestparaphrases"Theinterestratefluctuateswithmarketconditions"?A.Theinterestratechangesbasedoneconomictrends.B.Theinterestrateremainsconstantregardlessofmarketchanges.C.Theinterestrateisdeterminedbygovernmentpolicies.D.Theinterestrateisfixedfortheentireloanterm.【參考答案】A【詳細(xì)解析】A選項"basedon"準(zhǔn)確轉(zhuǎn)述"with"，B、C、D選項均與原意相反?！绢}干20】Whichsentencecontainsaparallelstructureerror?A.Thebankoffersonlineloans,mobilebanking,andcustomersupport.B.Thebankoffersonlineloans,mobilebanking,andin-personconsultations.C.Thebankoffersonlineloans,mobilebanking,andsupportthroughchatbots.D.Thebankoffersonlineloans,mobilebanking,andsupportviaemail.【參考答案】D【詳細(xì)解析】D選項"viaemail"為介詞短語，與其他兩項動名詞結(jié)構(gòu)不平行，應(yīng)改為"emailsupport"保持結(jié)構(gòu)一致。2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(篇4)【題干1】Thestudysuggeststhatclimatechangemaysignificantlyaffectagriculturalproductivityinregionswitharidclimates.Whichofthefollowingisthebestparaphraseoftheunderlinedphrase"significantlyaffect"?【選項】A.HaveanegligibleimpactB.BringaboutamoderatechangeC.BringaboutafundamentaltransformationD.Haveasubstantialinfluence【參考答案】D【詳細(xì)解析】"Significantlyaffect"指產(chǎn)生重大影響，選項D"haveasubstantialinfluence"（產(chǎn)生重大影響）最貼切。A項"negligible"（可忽略的）與題意相反，B項"moderate"（適度的）程度不足，C項"fundamentaltransformation"（根本性轉(zhuǎn)變）側(cè)重結(jié)構(gòu)變化，而非程度影響。【題干2】Ifthegovernmentfailstoprovideadequatefundingforruralinfrastructure,theprojectwillmostlikelybedelayed.Whatisthelogicalconsequenceoftheconditionalstatement?【選項】A.TheprojectmustbefundedimmediatelyB.Ruralinfrastructureisalreadywell-developedC.DelaysareinevitableD.Fundingisguaranteedtobesufficient【參考答案】C【詳細(xì)解析】題干為條件句"ifA,thenB"，根據(jù)邏輯推理，若前提不成立（政府未提供足夠資金），結(jié)果B（項目延遲）將發(fā)生。選項C"delaysareinevitable"（延遲不可避免）直接對應(yīng)結(jié)果。A項"必須立即籌資"屬于建議而非必然結(jié)果，B項與題干無關(guān)，D項"資金充足"與前提矛盾。【題干3】Thereporthighlightsthat78%offarmersinXinjiangrelyontraditionalirrigationmethods,despitetheavailabilityofmoderntechnologies.Whatdoesthisstatementimply?【選項】A.ModerntechnologiesaresuperiortotraditionalmethodsB.FarmersarereluctanttoadoptnewmethodsC.Traditionalmethodsaremorecost-effectiveD.Governmentsubsidiesareinsufficient【參考答案】B【詳細(xì)解析】"Despitetheavailability"（盡管存在）表明農(nóng)民未選擇現(xiàn)代技術(shù)，隱含主觀意愿因素，故B"農(nóng)民不愿采用新技術(shù)"最合理。A項"現(xiàn)代技術(shù)更優(yōu)"未提及比較依據(jù)，C項"傳統(tǒng)方法更經(jīng)濟(jì)"無數(shù)據(jù)支持，D項"補(bǔ)貼不足"超出題干信息范圍?！绢}干4】Whichofthefollowingsentencescontainsamisplacedmodifier?A.Theteampresentedawell-researchedreportthatwaspraisedbythedirector.B.Afterfinishingtheassignment,thestudentsfeltexhausted.C.Shequicklyrantothestore,buyingsnacksontheway.D.ThebookthatIborrowedfromthelibraryisveryinteresting.【參考答案】C【詳細(xì)解析】C項"buyingsnacks"作為伴隨狀語修飾"ran"，邏輯主語應(yīng)為"she"，但"buying"的動作需與"ran"同時發(fā)生，存在語意斷裂。A項"well-researched"修飾"report"正確，B項"exhausted"修飾"students"合理，D項"that"引導(dǎo)定語從句準(zhǔn)確?！绢}干5】Thephrase"weatherthestorm"ismostsimilarinmeaningtowhichofthefollowing?A.EndureacrisisB.AvoidaproblemC.SolveanissueD.Ignoreachallenge【參考答案】A【詳細(xì)解析】"Weatherthestorm"比喻在困境中堅持下來，與"endureacrisis"（忍受危機(jī)）語義一致。B項"避免問題"與"weather"的克服含義不符，C項"解決問題"側(cè)重結(jié)果而非過程，D項"忽視挑戰(zhàn)"與"weather"的積極應(yīng)對相悖?！绢}干6】Whichsentenceisgrammaticallyincorrect?A.Thecommitteeconsistsoffivemembersfromdifferentdepartments.B.Neitherthemanagernorhissubordinatesareavailablerightnow.C.Shehasalreadyfinishedthetasksthatshewasassigned.D.Thedatacollectedbytheteamisaccurateandreliable.【參考答案】B【詳細(xì)解析】B項"nor"連接的否定結(jié)構(gòu)中，主語和謂語動詞應(yīng)保持一致，但"themanager"（單數(shù)）與"are"（復(fù)數(shù)）不一致，應(yīng)改為"noris"。A項"consistsof"后接復(fù)數(shù)正確，C項"tasks"為復(fù)數(shù)，"assigned"與先行詞一致，D項"collectedby"作后置定語正確?！绢}干7】TheagriculturalcooperativeinXinjiangaimstoimprovefarmers'incomebypromotingorganicfarming.Whatistheprimarypurposeofthisinitiative?【選項】A.ToreduceenvironmentalpollutionB.ToenhancemarketcompetitivenessC.ToincreaseproductionefficiencyD.Toexpandagriculturalland【參考答案】C【詳細(xì)解析】"Improvefarmers'income"（提高農(nóng)民收入）與"productionefficiency"（生產(chǎn)效率）直接相關(guān)，有機(jī)農(nóng)業(yè)通過提升單位產(chǎn)量實現(xiàn)增收。A項"減少污染"是潛在效益而非目的，B項"增強(qiáng)競爭力"需明確市場維度，D項"擴(kuò)大耕地"與有機(jī)農(nóng)業(yè)的集約化特點矛盾?！绢}干8】Whichconjunctionbestconnectsthefollowingideas:"Thegovernmenthasinvestedinruralroads;farmersnowhavebetteraccesstomarkets."【選項】A.AlthoughB.BecauseC.HoweverD.While【參考答案】C【詳細(xì)解析】前后分句存在轉(zhuǎn)折關(guān)系（投資后結(jié)果符合預(yù)期），"However"（然而）最合適。A項"雖然"需后句與前句矛盾，但題干無矛盾；B項"因為"表示因果關(guān)系，但題干未強(qiáng)調(diào)；D項"while"需前后語義對比，但"invested"與"access"無直接對比對象?！绢}干9】Thephrase"adouble-edgedsword"mostlikelyrefersto:A.AtoolwithtwosharpedgesB.SomethingwithbothadvantagesanddisadvantagesC.AweaponusedintwodifferentbattlesD.Anobjectthatcanonlybeusedonce【參考答案】B【詳細(xì)解析】"Double-edgedsword"為固定比喻，指利弊并存的事物。A項字面解釋與比喻無關(guān)，C項"兩次戰(zhàn)斗"與"edge"無關(guān)，D項"只用一次"與"double"矛盾?！绢}干10】Whichsentenceusesthepresentperfecttensecorrectly?A.Shehaswrittenthreereportsthisweek.B.Themoviewasreleasedlastyear.C.Theyhavebeenworkingsince2020.D.IwillcallyouwhenIarrive.【參考答案】C【詳細(xì)解析】C項"havebeenworking"（現(xiàn)在完成進(jìn)行時）強(qiáng)調(diào)從過去持續(xù)到現(xiàn)在的動作，符合完成時態(tài)特征。A項"haswritten"（現(xiàn)在完成時）正確但無進(jìn)行時態(tài)，B項"wasreleased"（過去時）正確，D項"willcall"（將來時）正確?！绢}干11】Thephrase"atthemercyof"isclosestinmeaningto:A.BeingcontrolledbyB.HavingcompletefreedomC.RequiringconstantattentionD.Beingprotectedby【參考答案】A【詳細(xì)解析】"Atthemercyof"指完全受制于人/事，如"atthemercyofcircumstances"（受命運擺布）。B項"自由"與"mercy"相反，C項"需要關(guān)注"對應(yīng)"require"，D項"受保護(hù)"對應(yīng)"protect"?！绢}干12】Whichsentenceusesthepassivevoiceappropriately?A.Thebookwaswrittenbyafamousauthor.B.Theyarebuildinganewhospital.C.Thechildrenplayedinthepark.D.Thespeechwasdeliveredbythemayor.【參考答案】D【詳細(xì)解析】D項"wasdelivered"（被動語態(tài)）強(qiáng)調(diào)演講的執(zhí)行者（市長），符合被動句特征。A項"waswritten"正確但非特殊被動（無動作執(zhí)行者），B項主動語態(tài)，C項主動語態(tài)?！绢}干13】Thesentence"IfIhadknownthedeadline,Iwouldhavefinishedthereportearlier."containswhichgrammaticalstructure?【選項】A.SecondconditionalB.ThirdconditionalC.FirstconditionalD.Mixedconditional【參考答案】A【詳細(xì)解析】"IfIhadknown"（過去完成時）+"wouldhavefinished"（過去將來完成時）為第二條件句（與過去事實相反）。B項"thirdconditional"（與過去完成事實相反）需"had+過去完成"結(jié)構(gòu)，如"IfIhadknownthathehadalreadyleft"。C項"firstconditional"（與現(xiàn)在事實相反）用"would+動詞原形"，D項混合條件句需連接不同時間狀語。【題干14】Whichwordisusedincorrectlyinthesentence:"Thefarmer'sresilienceduringthedroughtmadehimaninspiration."【選項】A.ResilienceB.DroughtC.InspirationD.Farmer【參考答案】A【詳細(xì)解析】"Resilience"（resilience）指恢復(fù)力，與題干"resilienceduringthedrought"（抗旱能力）搭配不當(dāng)，正確應(yīng)為"resilience"。B項"drought"（干旱）正確，C項"inspiration"（靈感）合理，D項"farmer"（農(nóng)民）正確。【題干15】Thephrase"adropinthebucket"isanidiommeaning:A.AsmallcontributionB.AsignificantdecreaseC.AtemporarysolutionD.Apermanentchange【參考答案】A【詳細(xì)解析】"Adropinthebucket"（杯中之水）比喻微不足道的幫助或影響，如"Adropinthebuckettosolvethecrisis"。B項"顯著下降"對應(yīng)"sharpdecline"，C項"臨時方案"對應(yīng)"temporarymeasure"，D項"永久變化"對應(yīng)"permanentchange"。【題干16】Whichsentencecontainsaparallelstructureerror?A.Theprojectrequirescarefulplanning,effectivecommunication,andthecooperationofalldepartments.B.Shelikesreadingnovels,watchingmovies,andtoswiminthesummer.C.Thecommitteeconsistsofmembersfromfinance,marketing,andHR.D.Heisskilledatspeaking,writing,andtranslatingEnglish.【參考答案】B【詳細(xì)解析】B項"reading,watching,andtoswim"結(jié)構(gòu)不平行（動名詞與不定式混合）。A項"planning,communication,cooperation"均為名詞，C項"finance,marketing,HR"均為部門名稱，D項"speaking,writing,translating"均為動名詞?！绢}干17】Thesentence"Althoughitrainedheavily,theeventproceededasscheduled."useswhichconjunction?【選項】A.WhileB.DespiteC.HoweverD.Because【參考答案】A【詳細(xì)解析】"Although"引導(dǎo)讓步狀語從句，與主句"proceeded"形成對比。B項"despite"需接名詞短語，如"despitetheheavyrain"；C項"however"表轉(zhuǎn)折但需前后分句獨立，D項"because"表原因但主句無結(jié)果描述?！绢}干18】Whichsentenceusesthecorrectsuperlativeform?A.Thisisthemoreinterestingbook.B.Sherunsthefastestintheclass.C.Theharderyouwork,thebetterresultsyouachieve.D.ThatwastheinterestingmovieIsaw.【參考答案】B【詳細(xì)解析】B項"fastest"（最高級）正確，A項"moreinteresting"（比較級）無最高級需求，C項"harder...better"為比較級結(jié)構(gòu)，D項"interesting"為形容詞原級?！绢}干19】Thephrase"onthesamepage"means:A.HavingthesameopinionB.BeinginthesameplaceC.ReachinganagreementD.Startinganewproject【參考答案】A【詳細(xì)解析】"Onthesamepage"（意見一致）指雙方理解一致，如"Areyouonthesamepageabouttheplan"。B項"同一地點"對應(yīng)"inthesameplace"，C項"達(dá)成協(xié)議"對應(yīng)"reachanagreement"，D項"新項目"對應(yīng)"startanewproject"?！绢}干20】Whichsentenceusesthecorrecttensetoexpressafutureevent?A.Iwillbepresentingthereporttomorrow.B.Shehaspresentedthereportyesterday.C.Theywillhavepresentedthereportbynextweek.D.Thereportwaspresentedlastweek.【參考答案】A【詳細(xì)解析】A項"willbepresenting"（將來進(jìn)行時）強(qiáng)調(diào)將來某時刻的持續(xù)動作，正確。B項"haspresented"（現(xiàn)在完成時）表過去動作對現(xiàn)在的影響，但"yesterday"（過去時）矛盾；C項"willhavepresented"（將來完成時）需明確未來時間參照點；D項"waspresented"（過去時）正確但非未來事件。2025年新疆農(nóng)業(yè)發(fā)展銀行招聘考試（英語）歷年參考題庫含答案詳解(篇5)【題干1】Whenthemanagerannouncedthenewpolicy,someemployeesweresurprisedbecausetheyhadnotbeeninformedinadvance.【選項】A.weresurprisedB.werebeingsurprisedC.willbesurprisedD.wouldbesurprised【參考答案】A【詳細(xì)解析】題干考查現(xiàn)在完成時與一般過去時的搭配。主句動作“announced”發(fā)生在過去，而“hadnotbeeninformed”是動作的先發(fā)狀態(tài)，需用現(xiàn)在完成時表示與過去動作的關(guān)聯(lián)。選項B的現(xiàn)在進(jìn)行時不符合時態(tài)邏輯，C和D的將來時與上下文矛盾?！绢}干2】IfIwereyou,Iwouldhaveappliedforthepositionearlier,otherwiseImightmissthedeadline.【選項】A.wouldhaveappliedB.appliedC.applyD.willapply【參考答案】A【詳細(xì)解析】題干為虛擬語氣中的與現(xiàn)在事實相反假設(shè)。從句主語“I”與“you”形成對比，需用“wouldhavedone”表示與過去事實相反的推測。選項B缺少情態(tài)動詞，C和D不符合虛擬語氣結(jié)構(gòu)?！绢}干3】Thedocumentsthataresignedbythedirectorareconsideredlegallybinding.【選項】A.signedB.hassignedC.signingD.willsign【參考答案】A【詳細(xì)解析】題干考查定語從句中關(guān)系代詞的省略。先行詞“documents”為復(fù)數(shù)，關(guān)系代詞“that”在從句中作被動語態(tài)的賓語，需省略。選項B單數(shù)形式與主語復(fù)數(shù)矛盾，C和D的現(xiàn)在分詞和將來時態(tài)不符合被動語態(tài)要求?！绢}干4】Bythetimewearrivedatthebank,themanager______tomeettheclient.【選項】A.hadalreadyleftB.hadleftC.wasleavingD.wouldleave【參考答案】A【詳細(xì)解析】題干考查時間狀語從句的時態(tài)搭配。“Bythetime”表示主句動作發(fā)生前，需用過去完成時強(qiáng)調(diào)動作的先后順序。選項B缺少“already”，C的進(jìn)行時態(tài)無法體現(xiàn)完成性，D的將來時態(tài)邏輯錯誤?！绢}干5】Itisessentialforcandidatestodemonstratetheirproblem-solvingskillsduringtheinterview.【選項】A.solveB.solvingC.solvedD.solving【參考答案】B【詳細(xì)解析】題干考查不定式作表語。不定式“todemonstrate”后接賓語“theirproblem-solvingskills”，構(gòu)成“beessentialtodosomething”固定結(jié)構(gòu)。選項A缺少不定式符號，C和D的過去分詞和現(xiàn)在分詞無法與“to”搭配。【題干6】Thebank'sannualreport,______waspublishedlastmonth,hasbeendistributedtoallbranches.【選項】A.whichwaspublishedB.wherewaspublishedC.whenwaspublishedD.whywaspublished【參考答案】A【詳細(xì)解析】題干考查非限制性定語從句的連接詞選擇。先行詞“annualreport”為單數(shù)，從句動作“waspublished”發(fā)生在主句之前，需用關(guān)系代詞“which”引導(dǎo)，且從句中缺少賓語，需保留“was”。選項B用“where”指代地點錯誤，D的“why”表原因不合適。【題干7】Thestaffmemberwhoismostexperiencedwillbeassignedtothecriticalproject.【選項】A.haveexperienceB.hasmoreexperienceC.hasthemostexperienceD.hasexperienced【參考答案】C【詳細(xì)解析】題干考查最高級定語從句的連接詞和比較級結(jié)構(gòu)?！皌hemostexperienced”為固定表達(dá)，修飾“staffmember”需用關(guān)系代詞“who”并搭配最高級。選項A為一般現(xiàn)在時，B未體現(xiàn)最高級，D的過去分詞無法修飾名詞?！绢}干8】Despitetheeconomicdownturn,thebank'sprofits______by15%thisquarter.【選項】A.increasedB.haveincreasedC.increasedD.increasing【參考答案】B【詳細(xì)解析】題干考查現(xiàn)在完成時表結(jié)果。主句動作“profitsincreased”與時間狀語“thisquarter”需用現(xiàn)在完成時強(qiáng)調(diào)對當(dāng)前的影響。選項A和C為一般過去時，D的現(xiàn)在分詞無法表達(dá)完成性?！绢}干9】Ifyoudon'tsubmittheapplicationbyFriday,you______