光大銀行漳州市龍文區(qū)2025秋招筆試英語題專練及答案一、單選題（共10題，每題1分）（注：本題主要考察基礎(chǔ)語法、詞匯及日常情景理解，結(jié)合銀行業(yè)務(wù)場景設(shè)置）1.Thenewbankingregulationsrequireallemployeesto______strictercompliancetrainingbeforehandlingclients'accounts.A.attendB.attendingC.attendtoD.haveattended2.Despitetheeconomicdownturn,thelocalfinancialmarketinZhangzhouhasshown______signsofrecoveryinthesecondquarter.A.positiveB.positivelyC.positivityD.positive’s3.OurbranchinLongwenDistrictplansto______digitalpaymentservicestoimprovecustomerconvenience.A.implementB.implementingC.implementedD.toimplement4.Ifyou______moreinformationabouttheloanapplicationprocess,pleasecontacttheheadoffice.A.needB.neededC.needsD.needing5.Thebank’sriskmanagementteammust______allpotentialfraudcaseswithin24hours.A.addressB.addressingC.addressedD.toaddress6.________thestrictcompetition,ourbankstillmanagestomaintainahighmarketshareintheregion.A.InspiteofB.DespiteofC.InspiteD.Despite7.Theannualfinancialreportwillbe______bytheauditdepartmentnextmonth.A.reviewB.reviewedC.reviewingD.toreview8.Clientsatisfactionis______importantforthelong-termsuccessofanybankinginstitution.A.asB.soC.asmuchD.very9.Thebranchmanageraskedthestaffto______thenewanti-moneylaunderingguidelinesimmediately.A.familiarizewithB.familiarizethemselveswithC.familiarizingwithD.tofamiliarizewith10.________themarkettrends,ourbankdecidedtoexpanditswealthmanagementservices.A.AnalyzeB.AnalyzingC.ToanalyzeD.Analyzed二、完形填空（共1篇，10題，每題1分，共10分）（注：短文圍繞銀行業(yè)數(shù)字化轉(zhuǎn)型及客戶服務(wù)展開，考察詞匯辨析與邏輯理解）TheEvolutionofBankingServicesinZhangzhouThebankingindustryinZhangzhou,likemanyotherregions,hasundergonesignificantchangesoverthepastdecade.Withtherapiddevelopmentoftechnology,traditionalbankingmodelshavebeenchallengedbydigitaltransformation.Localfinancialinstitutions,includingtheGuangdaBankbranchinLongwenDistrict,haveadoptedinnovativesolutionstomeetcustomers'evolvingneeds.Oneofthemostnotabletrendsistheshifttowardonlineandmobilebankingservices.Customersnolongerneedtovisitphysicalbranchesforroutinetransactions,suchastransferringfundsorpayingbills.Instead,theycanusemobileappstomanagetheiraccountsanytime,anywhere.Thisconveniencehasnotonlyimprovedcustomersatisfactionbutalsoreducedoperationalcostsforbanks.Anotherkeydevelopmentistheintegrationofartificialintelligence(AI)intobankingservices.AI-poweredchatbotscanhandlebasiccustomerinquiries,providing24/7support.Formorecomplexissues,humanagentsarealwaysavailable.Thishybridmodelensuresefficientservicedeliverywhilemaintainingapersonalizedtouch.However,digitalizationalsobringschallenges.Cybersecurityriskshaveincreased,requiringbankstoinvestheavilyindataprotectionmeasures.Additionally,someelderlycustomersstruggletoadapttonewtechnologies,necessitatingtrainingprogramsanddedicatedsupportstaff.Despitethesechallenges,thefutureofbankinginZhangzhoulookspromising.Astechnologycontinuestoadvance,financialinstitutionswillneedtostayagileandinnovative.Byfocusingoncustomerneedsandleveragingcutting-edgesolutions,GuangdaBankanditscompetitorscansolidifytheirpositionsinthemarket.Questions:1.Theword"significant"inthefirstparagraphisclosestinmeaningto______.A.minorB.considerableC.gradualD.unexpected2.Whathasbeenthebiggestimpactofdigitalbankingoncustomers?A.IncreasedfeesB.ReducedservicehoursC.GreaterconvenienceD.Morepaperwork3.Accordingtothepassage,AIchatbotsareusedto______.A.replacehumanagentscompletelyB.handlesimplecustomerinquiriesC.increasebankprofitsD.trainemployees4.Theword"agile"inthelastparagraphismostsimilarto______.A.slowB.flexibleC.expensiveD.traditional5.Whydosomeelderlycustomersfacedifficultieswithdigitalbanking?A.Theypreferface-to-faceinteractions.B.Theylacktechnicalskills.C.Theydistrustonlinetransactions.D.Theyaretoobusytolearn.6.ThepassagesuggeststhatbanksinZhangzhou______.A.shouldignoredigitaltrendsB.needtobalancetechnologyandhumanserviceC.canaffordtoreducesecuritymeasuresD.shouldfocusonlyonmobilebanking7.Thephrase"24/7support"impliesthatservicesareavailable______.A.onlyonweekendsB.duringbusinesshoursC.aroundtheclockD.onlyforpremiumcustomers8.Whatisamajorchallengeforbanksastheydigitize?A.LowercustomersatisfactionB.IncreasedoperationalefficiencyC.CybersecuritythreatsD.Feweremployeesneeded9.Theword"necessitating"inthethirdparagraphisclosestto______.A.encouragingB.avoidingC.requiringD.preventing10.WhatdoesthepassagepredictforthefutureofbankinginZhangzhou?A.Areturntotraditionalbankingmodels.B.Widespreadadoptionofdigitalservices.C.CompleterelianceonAIchatbots.D.Nochangesincustomerbehavior.三、閱讀理解（共2篇，共10題，每題2分，共20分）Passage1:TheRoleofFinancialEducationinRuralBankingInmanyruralareasofZhangzhou,financialliteracyremainslow,posingchallengesforbanksattemptingtoexpandtheircustomerbase.Limitedaccesstoeducationandtraditionaleconomicpracticesmakeitdifficultforresidentstomanagetheirfinanceseffectively.Asaresult,bankshavedevelopedinitiativestopromotefinancialeducationinthesecommunities.Onesuchprogramisthe"FinancialLiteracyWorkshops,"organizedbytheGuangdaBankbranchinLongwenDistrict.Theseworkshopscovertopicssuchasbudgeting,saving,anddebtmanagement.Localteachersandbankemployeescollaboratetodeliverthetraininginasimple,accessiblemanner.Surveysshowthatparticipantsnotonlyimprovetheirfinancialskillsbutalsodevelopgreatertrustinbankinginstitutions.Anotherstrategyisthedistributionofinformationalbrochuresinlocallanguages.Thesematerialsprovidepracticaladviceonmanagingmoney,applyingforloans,andusingdigitalbankingservices.Bymakingfinancialknowledgemorewidelyavailable,bankscanreducerelianceoninformallenders,whooftenchargeexorbitantinterestrates.However,theseeffortsfaceobstacles.Culturalnormsinsomeruralareasdiscouragediscussingmoneyopenly,andinternetconnectivityislimitedinmanyvillages.Banksmustthereforeadapttheirapproachestosuitlocalcontexts.Forinstance,communityleaderscanbetrainedtodeliverfinancialeducation,leveragingtheirexistinginfluence.Despitethechallenges,theimpactoffinancialeducationisundeniable.Empoweredwithknowledge,ruralresidentscanmakemoreinformedfinancialdecisions,benefitingboththemselvesandthebankingsector.AsZhangzhou’seconomygrows,suchinitiativeswillplayacrucialroleinfosteringinclusivedevelopment.Questions:1.Whatisthemainproblemmentionedinthepassage?A.HighbankfeesinruralareasB.LowfinancialliteracyamongresidentsC.LackofbankinginfrastructureD.Fewjobopportunitiesinthecountryside2.Howdo"FinancialLiteracyWorkshops"helpbanks?A.Theyattractmorecustomers.B.Theyreduceloandefaults.C.Theyincreasestaffsalaries.D.Theyimprovebankprofitability.3.Theword"exorbitant"inthesecondparagraphrefersto______.A.reasonableB.affordableC.excessiveD.competitive4.Whatmustbanksdotoovercomeculturalbarriers?A.Closetheirruralbranches.B.Usemorecomplexlanguage.C.Partnerwithlocalleaders.D.Focusonlyondigitalbanking.5.Thepassagesuggeststhatfinancialeducationcan______.A.leadtohigherdebtlevelsB.reducerelianceoninformallendersC.decreasebankprofitsD.discouragedigitalbankingadoptionPassage2:TheFutureofPaymentSystemsinZhangzhouThepaymentlandscapeinZhangzhouisevolvingrapidly,drivenbytechnologicaladvancementsandchangingconsumerpreferences.Traditionalcashtransactionsaredecliningasdigitalpaymentmethodsgainpopularity.TheGuangdaBankbranchinLongwenDistricthasbeenattheforefrontofthisshift,offeringarangeofinnovativesolutions.Oneofthemostsignificanttrendsistheadoptionofmobilepaymentapps.PlatformslikeAlipayandWeChatPayarewidelyusedfordailytransactions,fromgroceriestoutilitybills.Banksareintegratingtheseservicesintotheirownapps,allowingcustomerstolinktheiraccountsforseamlesspayments.Thisintegrationhasnotonlyboostedconveniencebutalsoincreasedtransactionvolumes.Anotheremergingtrendistheuseofcontactlesspayments.WiththeriseofCOVID-19,consumersprefertouch-freeoptions,andretailershaverespondedbyinstallingcontactlessterminals.GuangdaBankhasalsolaunchedcontactlesscreditanddebitcards,furtherfacilitatingsecuretransactions.However,challengesremain.SomeelderlycitizensinZhangzhouareuncomfortablewithdigitalpayments,preferringcash.Banksmustthereforeprovidealternativeoptionsandeducateoldercustomersaboutthebenefitsofmodernpaymentsystems.Additionally,securityconcernspersist,withreportsoffraudondigitalplatforms.Banksneedtoenhanceencryptionandfrauddetectionmeasurestomaintaincustomertrust.Lookingahead,thefutureofpaymentsinZhangzhouwilllikelyinvolveacombinationofdigitalandtraditionalmethods.Banksthatadapttothesechangeswillthrive,whilethosethatresistinnovationmaylosemarketshare.Asthecity’seconomygrows,efficientpaymentsystemswillbecomeevenmorecriticaltosupportingbusinessandpersonaltransactions.Questions:6.Whatistheprimarydriverofthepaymentlandscape’sevolutioninZhangzhou?A.GovernmentregulationsB.TechnologicaladvancementsC.PopulationgrowthD.Economicdownturns7.Howdomobilepaymentappsbenefitconsumers?A.Theyreducetheneedforbanks.B.Theyprovidefastertransactions.C.Theyincreaseinterestrates.D.Theyrequiremorepaperwork.8.Theword"forefront"inthefirstparagraphisclosestto______.A.thebeginningB.themiddleC.theendD.thebackground9.Whatisamajorconcernaboutdigitalpayments?A.Theyaretooslow.B.Theyarenotsecure.C.Theyaretooexpensive.D.Theyarenotuser-friendly.10.Whatwilllikelyhappentobanksthatfailtoadapttopaymenttrends?A.Theywillexpandtheiroperations.B.Theywilllosecustomers.C.Theywillincreasefees.D.Theywillreceivegovernmentsupport.四、翻譯題（共1題，5分）（注：考察中英互譯能力，結(jié)合銀行業(yè)務(wù)場景）中文翻譯英文：“光大銀行龍文區(qū)分行計劃在未來三年內(nèi)提升客戶滿意度，通過優(yōu)化服務(wù)流程、加強員工培訓(xùn)以及引入智能化系統(tǒng)等措施，打造更高效、更便捷的banking體驗?！庇⑽姆g中文：“TheBankofChinahaslaunchedanewmobilebankingappthatallowscustomerstotransferfunds,paybills,andapplyforloanswithjustafewtapsontheirsmartphones.”五、寫作題（共1題，10分）（注：考察應(yīng)用文寫作能力，要求在30分鐘內(nèi)完成）Title:AProposalforEnhancingDigitalBankingServicesinLongwenDistrictAsastaffmemberoftheGuangdaBankbranchinLongwenDistrict,youareaskedtowriteashortproposalrecommendingimprovementstothebank’sdigitalbankingservices.Yourproposalshouldincludethefollowingpoints:1.CurrentIssues:Brieflydescribethechallengesfacedbycustomersinusingthebank’sdigitalplatform(e.g.,complexinterface,slowresponsetime).2.Solutions:Suggestatleasttwowaystoaddresstheseproblems(e.g.,user-friendlydesign,fasterservers).3.Benefits:Explainhowtheseimprovementswillbenefitbothcustomersandthebank.Ensureyourproposalisclear,concise,andprofessional.答案及解析一、單選題答案及解析1.A.attend-解析：require后接動詞不定式（todo），表示“要求某人做某事”。2.A.positive-解析：signsof+形容詞，表示“……的跡象”。3.A.implement-解析：plantodosth.后接動詞原形，表示“計劃做某事”。4.A.need-解析：if條件句中，主句用一般現(xiàn)在時，從句用一般現(xiàn)在時或一般過去時（根據(jù)語境）。此處主語是you（單數(shù)），故用need。5.A.address-解析：address后接sth.，表示“處理某事”。6.A.Inspiteof-解析：inspiteof+名詞/名詞短語，表示“盡管”。7.B.reviewed-解析：willbe+過去分詞，表示被動語態(tài)。8.C.asmuch-解析：as+形容詞/副詞+as，表示“和……一樣”。9.B.familiarizethemselveswith-解析：asksb.todosth.后接動詞原形，familiarizeoneselfwith表示“熟悉某事”。10.B.Analyzing-解析：句子缺謂語動詞，應(yīng)使用現(xiàn)在分詞作狀語。二、完形填空答案及解析1.B.considerable-解析：significant意為“顯著的”，與considerable（相當(dāng)大的）意思相近。2.C.Greaterconvenience-解析：文中提到digitalbankingallowscustomerstomanageaccountsanytime,anywhere,說明其便利性。3.B.Handlesimplecustomerinquiries-解析：文中明確指出AIchatbotscanhandlebasicquestions.4.B.Flexible-解析：agile意為“靈活的”，與flexible（靈活的）意思相近。5.B.Theylacktechnicalskills-解析：文中提到elderlycustomersstruggletoadapttonewtechnologies.6.B.Needtobalancetechnologyandhumanservice-解析：文中提到banksmuststayagileandinnovative,implyingamixoftechandhumaninteraction.7.C.Aroundtheclock-解析：24/7意為“全天候”，即24小時/7天。8.C.Cybersecuritythreats-解析：文中提到banksmustinvestindataprotectionduetocyberrisks.9.C.Requiring-解析：necessitating意為“需要”，與requiring（需要）意思相近。10.B.Widespreadadoptionofdigitalservices-解析：文中預(yù)測technologywillcontinuetoadvance,suggestingmoredigitalbanking.三、閱讀理解答案及解析Passage1:1.B.Lowfinancialliteracyamongresidents-解析：首段明確指出ruralareashavelowfinancialliteracy.2.A.Theyattractmorecustomers.-解析：文中提到workshopsimprovefinancialskills,leadingtogreatertrustinbanks.3.C.Excessive-解析：exorbitant意為“過高的”，與excessive（過度的）意思相近。4.C.Partnerwithlocalleaders.-解析：文中建議traininglocalleaderstodeliverfinancialeducation.5.B.Reducerelianceoninformallenders-解析：文中提到financialeducationhelpsreducerelianceoninformallenders.Passage2:6.B.Technologicaladvancements-解析：首段指出technologyisdrivingchangesinthepaymentlandscape.7.B.Theyprovidefastertransactions.-解析：文中提到mobileappsallowseamlesspayments,implyingspeed.8.A.Thebeginning-解析：forefront意為“前沿”，與thebeginning（前沿）意思相近。9.B.Theyarenotsecure.-解析：文中提到fraudondigitalplatforms,suggestingsecurityconcerns.10.B.Theylosecustomers.-解析：文中提到banksthatresistinnovationmaylosemarketshare.四、翻譯題答案及解析中文翻譯英文："TheGuangdaBankLongwenDistrictBranchplanstoenhancecustomersatisfactioninthenextthreeyearsbyoptimizingserviceprocesses,strengtheningstafftraining,andintroducingintelligentsystemstocreateamoreefficientandconvenientbankingexperience."英文翻譯中文：“中國銀行推出了一款新的手機銀行應(yīng)用程序，允許客戶通過智能手機只需幾