興業(yè)銀行江門市蓬江區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）說明：從下列選項(xiàng)中選出一個(gè)最佳答案填入空格，使句子意思完整、語法正確。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.drivenC.limitedD.encouraged2.Asaregionalbank,IndustrialBankshould______customerneedsinruralareastoexpanditsmarketshare.A.neglectB.addressC.ignoreD.overlook3.Thenewregulatoryframeworkaimsto______financialrisksinthedigitalpaymentsector.A.minimizeB.maximizeC.eliminateD.reduce4.TheJiangmenbranchofIndustrialBankhas______apartnershipwithlocalSMEstoimprovecreditservices.A.establishedB.developedC.enhancedD.expanded5.Blockchaintechnologycan______transparencyandefficiencyincross-bordertradefinance.A.improveB.decreaseC.threatenD.disrupt6.Thebank’sriskmanagementteammust______compliancewithlocalfinanciallawstoavoidpenalties.A.ensureB.ignoreC.weakenD.delay7.DigitalcurrencyinitiativesinGuangdongProvincewill______thebank’spaymentsolutions.A.boostB.hinderC.weakenD.replace8.The蓬江區(qū)branchis______toopenanewwealthmanagementcenterduetohighdemand.A.planningB.consideringC.refusingD.hesitating9.Thebank’ssustainabilityreporthighlightseffortsto______environmentalimpactthroughgreenfinance.A.reduceB.increaseC.ignoreD.neglect10.Theannualfinancialreviewwill______theperformanceoftheJiangmenandTaishanbranches.A.evaluateB.criticizeC.ignoreD.support二、閱讀理解（共5題，每題2分）說明：閱讀以下短文，根據(jù)文章內(nèi)容選擇最佳答案。Passage1TheriseofdigitalbankinghastransformedthefinancialindustryinChina.TraditionalbankslikeIndustrialBankareadoptingAIandbigdatatoenhancecustomerexperience.Forinstance,theJiangmenbranchhaslaunchedamobileappwithpersonalizedfinancialadvice,whichhasincreaseduserengagementby30%.However,challengesremain,suchascybersecurityrisksandregulatorycompliance.Thebank’sstrategyinvolvesinvestingintechinfrastructurewhilemaintainingstrictriskcontrols.Regionalbranches,liketheoneinPanyuDistrict,areprioritizingruralfinancialinclusiontotapintounderservedmarkets.1.Whathasdriventhetransformationofthebankingindustry?A.GovernmentpoliciesB.DigitaltechnologyC.IncreasedcompetitionD.Economicdownturn2.HowhastheJiangmenbranchimprovedcustomerengagement?A.ByraisinginterestratesB.ThroughpersonalizedappsC.ByreducingfeesD.Byexpandingphysicalbranches3.Whatchallengesdoesthebankfaceindigitalbanking?A.HighoperatingcostsB.CybersecurityrisksC.LackofskilledstaffD.Insufficientfunding4.Whichregionisprioritizingruralfinancialinclusion?A.ZhuhaiB.PanyuC.JiangmenD.Taishan5.Whatisthebank’sstrategytoaddressrisks?A.OutsourcingtechservicesB.ReducinginvestmentintechC.BalancinginnovationandcomplianceD.FocusingonlyonurbanmarketsPassage2TheJiangmenbranchofIndustrialBankhasintroducedanewcreditassessmentmodelusingbigdataanalytics.Thissystemevaluatesborrowersbasedontheirdigitalfootprint,includingonlinetransactionsandsocialmediabehavior.ThepilotprograminPanyuDistricthasreduceddefaultratesby20%comparedtotraditionalmethods.However,criticsarguethatsuchmodelsmayleadtobiasagainstcertaingroups.Thebankhasrespondedbyincorporatingfairnessalgorithmstomitigatediscrimination.LocalregulatorshavepraisedtheinitiativeasasteptowardsmarterlendingintheGuangdongfinancialmarket.6.WhattechnologyhasIndustrialBankusedtoimprovecreditassessment?A.MachinelearningB.BlockchainC.CloudcomputingD.Quantumcomputing7.Howhasthenewmodelaffecteddefaultrates?A.Increasedby25%B.Decreasedby20%C.RemainedunchangedD.Fluctuatedunpredictably8.Whatisthemainconcernaboutbigdatalendingmodels?A.HighcostsB.BiasC.SlowprocessingD.Lackofdata9.Howhasthebankaddressedfairnessconcerns?A.RemoveddataanalyticsB.AddedhumanoversightC.UsedfairnessalgorithmsD.Ignoredcritics10.Whatistheregulator’sstanceontheinitiative?A.NegativeB.NeutralC.PositiveD.Uncertain三、完形填空（共10題，每題1分）說明：閱讀以下短文，選擇最佳答案填入空格。ThefinancialsectorinGuangdongisundergoingasignificanttransformationduetotechnologicaladvancements.(1)digitalpaymentsolutionslikeAlipayandWeChatPaydominatethemarket,traditionalbanksareadaptingtostaycompetitive.IndustrialBank,forexample,has(2)itsmobilebankingappwithAI-poweredchatbotstoprovide24/7customersupport.(3),thebankhasalsolaunchedablockchain-basedplatformfortradefinance,which(4)efficiencyandreducesfraud.However,challengesremain.(5)therapidadoptionoffintech,cybersecuritythreatshave(6).Thebank’sITteamhas(7)newprotocolstoprotectcustomerdata.(8),regulatorycomplianceremainsapriority,asthebankmust(9)localfinanciallawswhileexpandingitsservices.(10)theseefforts,IndustrialBankiswell-positionedtoleadthedigitalbankingrevolutionintheJiangmenregion.1.A.DespiteB.BecauseofC.AlongwithD.Without2.A.ModernizedB.RemovedC.SimplifiedD.Restricted3.A.ThereforeB.HoweverC.MoreoverD.Otherwise4.A.IncreasesB.DecreasesC.EnhancesD.Slows5.A.WhileB.BecauseC.AlthoughD.If6.A.GrownB.DecreasedC.StoppedD.Disappeared7.A.ImplementedB.IgnoredC.DelayedD.Removed8.A.AlsoB.YetC.StillD.Never9.A.FollowB.BreakC.MeetD.Violate10.A.WithB.ThroughC.WithoutD.Despite四、翻譯填空（共5題，每題2分）說明：將中文句子翻譯成英文，填入空格。1.為促進(jìn)普惠金融，興業(yè)銀行蓬江區(qū)分行推出了針對(duì)小微企業(yè)的專項(xiàng)貸款計(jì)劃。ThePanyubranchofIndustrialBankhaslaunchedaspecialloanprogramfor______.2.通過引入?yún)^(qū)塊鏈技術(shù)，該銀行成功提高了跨境匯款的效率。Byadoptingblockchaintechnology,thebankhassuccessfully______cross-borderremittanceefficiency.3.銀行強(qiáng)調(diào)，在數(shù)字化轉(zhuǎn)型過程中必須確保數(shù)據(jù)安全。Thebankemphasizesthatdatasecuritymustbe______duringthedigitaltransformationprocess.4.江門市的經(jīng)濟(jì)增長(zhǎng)為銀行業(yè)提供了廣闊的市場(chǎng)機(jī)會(huì)。TheeconomicgrowthinJiangmenCityprovidesbankswith______marketopportunities.5.為支持綠色金融發(fā)展，該分行設(shè)立了專項(xiàng)基金。Tosupportthedevelopmentofgreenfinance,thebranchhasestablishedaspecial______.五、改錯(cuò)題（共5題，每題2分）說明：下列句子中各有一處錯(cuò)誤，請(qǐng)指出并改正。1.Thenewcreditscoringsystemwillhelpthebanktoreducetheriskoffraud.→______→______2.IndustrialBankplanstoexpanditsdigitalbankingservicesinGuangdongprovincenextyear.→______→______3.Despiteofthechallenges,thebankhasmadesignificantprogressinfinancialinclusion.→______→______4.TheJiangmenbranch’smobileappallowscustomerstotransfermoneyeasilyandquick.→______→______5.Accordingtothereport,theuseofbigdatainbankingcanimprovedecision-makingefficiency.→______→______答案與解析一、選詞填空1.B.driven（推動(dòng)）解析：fintech（金融科技）推動(dòng)傳統(tǒng)銀行業(yè)創(chuàng)新。2.B.address（解決）解析：銀行需關(guān)注農(nóng)村客戶需求以擴(kuò)大市場(chǎng)份額。3.A.minimize（最小化）解析：監(jiān)管框架旨在降低數(shù)字支付領(lǐng)域的金融風(fēng)險(xiǎn)。4.A.established（建立）解析：銀行與中小企業(yè)建立合作以改善信貸服務(wù)。5.A.improve（提高）解析：區(qū)塊鏈技術(shù)提升跨境貿(mào)易金融的透明度和效率。6.A.ensure（確保）解析：風(fēng)險(xiǎn)管理團(tuán)隊(duì)需確保合規(guī)以避免處罰。7.A.boost（提升）解析：數(shù)字貨幣計(jì)劃將提升銀行的支付解決方案。8.B.considering（考慮）解析：蓬江區(qū)分行考慮開設(shè)新的財(cái)富管理中心。9.A.reduce（減少）解析：銀行通過綠色金融減少環(huán)境影響。10.A.evaluate（評(píng)估）解析：年度財(cái)務(wù)報(bào)告將評(píng)估江門和臺(tái)山分行的表現(xiàn)。二、閱讀理解Passage11.B.Digitaltechnology解析：文章首句指出數(shù)字銀行轉(zhuǎn)型由技術(shù)驅(qū)動(dòng)。2.B.Throughpersonalizedapps解析：文中提到江門分行推出個(gè)性化APP提升用戶參與度。3.B.Cybersecurityrisks解析：文章第二段提及網(wǎng)絡(luò)安全是數(shù)字銀行的主要挑戰(zhàn)。4.B.Panyu解析：文中提到蓬湖區(qū)優(yōu)先發(fā)展農(nóng)村金融。5.C.Balancinginnovationandcompliance解析：銀行策略是平衡創(chuàng)新與合規(guī)。Passage26.A.Machinelearning解析：文中提到銀行使用大數(shù)據(jù)分析（機(jī)器學(xué)習(xí)的一種）進(jìn)行信用評(píng)估。7.B.Decreasedby20%解析：試點(diǎn)項(xiàng)目使違