工商银行2025鹤壁市秋招笔试英语题专练及答案

工商银行2025鹤壁市秋招笔试英语题专练及答案一、单选题（每题1分，共10题）说明：每题包含一个句子，从A、B、C、D四个选项中选择最佳答案。1.TherapiddevelopmentofdigitalbankinginHenanProvincehasmadeiteasierforlocalbusinessestoaccessfinancialservices.Whichofthefollowingwordsbestdescribestheeffectofthistrend?A.ChallengingB.ExpandingC.TraditionalD.Restrictive*(注：题目结合鹤壁市及周边地区金融行业发展趋势)*2.Whatisthemainpurposeofthe"GreenFinance"initiativelaunchedbyICBCin2025?A.ToincreaseinterestratesB.TopromotesustainableeconomicgrowthC.ToreducebankfeesD.Toencourageshort-termloans*(注：结合工商银行近年绿色金融政策)*3.IfyouareapplyingforapositioninICBC's鹤壁分行,whichskillismostlikelytobeemphasizedinthejobdescription?A.CookingskillsB.FluencyinFrenchC.FinancialanalysisexpertiseD.Dancingability*(注：针对银行岗位的实用性技能考察)*4.ThenewICBCmobileappintroducesafeaturethatallowsuserstoapplyforloanswithin5minutes.Whatdoesthisfeatureprimarilyaimtoachieve?A.IncreaseappstorageusageB.ImprovecustomersatisfactionC.DelaytransactionprocessingD.Reducebankbranchvisits*(注：结合银行业数字化转型趋势)*5.Whichofthefollowingphrasesbestcompletesthesentence:"TheeconomicrecoveryinnorthernHenanhasbeensupportedby..."?A."Governmentsubsidiesonly"B."Localenterprisesandnationalpolicies"C."Foreigninvestmentsexclusively"D."Reducedtaxesandincentives"*(注：结合鹤壁市经济发展背景)*6.Whenworkinginabank,maintainingconfidentialityiscrucial.Whichstatementbestreflectsthisprinciple?A."Sharecustomerinformationwithfriends"B."Usepersonaljudgmenttodisclosesensitivedata"C."Followinternalregulationsstrictly"D."Highlighterrorsincustomeraccountsforattention"*(注：银行合规性考察)*7.Theterm"customerrelationshipmanagement(CRM)"inbankingrefersto:*A.ManagingemployeerelationsB.StrengtheningclientinteractionsC.HandlingaccountingtasksD.Monitoringstockmarkets*(注：金融行业术语考察)*8.Whatisthetypicalprocessforafirst-timemortgageapplicantatICBC?A.Submitdocuments,undergocreditcheck,andwaitforapprovalB.DirectlysignacontractwithoutreviewC.Pay100%upfrontandavoidpaperworkD.Skipthecreditcheckifincomeishigh*(注：银行业务流程考察)*9.Thephrase"low-carboneconomy"inChina'sfinancialpoliciesmeans:*A.LoweringeconomicgrowthtargetsB.PromotingenvironmentallyfriendlyinvestmentsC.ReducingbankoperatingcostsD.Increasingfossilfuelsubsidies*(注：政策性术语结合行业背景)*10.WhichofthefollowingisacommonchallengeforbankemployeesinHenanduringpeakseasons?A.LowcustomerengagementB.ExcessivepaperworkC.ShorterworkinghoursD.Higherstartingsalaries*(注：地域性职场问题考察)*二、阅读理解（每题2分，共5题）说明：每篇短文后有2-3个问题，根据文章内容选择最佳答案。Passage1TheIndustrialandCommercialBankofChina(ICBC)hasannouncedanewprogramtosupportsmallbusinessesinHenanProvince.Undertheinitiative,eligiblecompaniescanreceivepreferentialinterestratesandextendedloanterms.Theprogramaimstoboosteconomicactivityin鹤壁市andsurroundingareas,wheresmallbusinesseshavefacedfinancingchallenges.ICBCplanstoallocate50billionyuanforthispurpose,withafocusonindustriessuchasmanufacturing,agriculture,andtechnology.Thebankalsoemphasizesdigitaltoolstostreamlinetheapplicationprocess,reducingwaitingtimesfromweekstodays.1.WhatistheprimarygoalofICBC'snewprogram?A.ToreducebankprofitsB.TopromoteeconomicgrowthinHenanC.ToincreaseloanrejectionratesD.ToexpandICBC'smarketshare*(解析：文章明确指出政策目的是支持小企业，促进鹤壁等地区经济)*2.Whichindustriesaremostlikelytobenefitfromthisprogram?A.RealestateandtourismB.Manufacturing,agriculture,andtechnologyC.RetailandentertainmentD.Healthcareandeducation*(解析：文中具体列举了支持行业)*Passage2HenanProvincehasbeenactivelypromotingfinancialinclusiontoensuremoreresidentshaveaccesstobankingservices.ICBCandotherbankshavesetupmobilebankingunitsinruralareas,offeringfreefinancialliteracyworkshops.Theseeffortsaimtoreducedependencyoninformallenders,whooftenchargeexorbitantinterestrates.Accordingtoa2025report,30%ofruralhouseholdsinHenannowusedigitalbankingtools,upfrom15%in2023.Thegovernmentalsoprovidessubsidiesforlow-incomeindividualstopurchasesmartphones,furtherexpandingaccess.3.Whatisamajorproblemaddressedbyfinancialinclusionprograms?A.HighsalariesinurbanareasB.ExcessivebankfeesC.High-interestratesfrominformallendersD.Shortageofbankbranches*(解析：文章强调打击高利率非正规借贷)*4.HowhasfinancialinclusionimprovedinHenansince2023?A.BankfeeshavedoubledB.Ruraldigitalbankingusageincreasedby15%C.GovernmentsubsidieswereeliminatedD.Onlywealthyindividualsbenefited*(解析：文中明确提到30%的农村家庭使用数字银行)*Passage3ICBChasintroduceda"SmartBanking"systemin鹤壁市,integratingAI-poweredchatbotsandbiometricverification.Thesystemisdesignedtoenhancesecuritywhileimprovingcustomerexperience.Forinstance,customerscannowcompleteloanapplicationsusingfacialrecognition,reducingfraudrisks.Thebankalsoofferspersonalizedfinancialadvicebasedoncustomerdata.Apilotprogramin鹤壁hasshowna20%increaseindigitaltransactionsanda15%dropinbranchvisits.However,somecustomersremainskepticalaboutAIhandlingsensitivefinancialdata.5.WhatisakeybenefitofICBC's"SmartBanking"system?A.ReducedbankbranchrevenueB.ImprovedsecurityandefficiencyC.IncreasedcustomerskepticismD.Higheroperatingcosts*(解析：文章强调AI提升安全性和效率)*三、完形填空（每题1分，共10题）说明：每空选择一个最佳答案，填入文中空缺处。TheRiseofDigitalBankinginCentralChinaTheuseofmobilebankingappshastransformedthefinanciallandscapeinHenanProvince.(1)ICBCandothermajorbankshaveinvestedheavilyindigitalinfrastructure,makingiteasierforresidentstomanagetheirfinances.(2)Theseappsprovidefeaturessuchasreal-timebalancechecks,instanttransfers,andbillpayments.However,challengesremain.(3)Manyelderlyindividualsstillstrugglewithsmartphones,leadingtoademandforofflinesupportservices.(4)Thegovernmenthasrespondedbytrainingbankstafftooffertutorialsinruralareas.(5)Astechnologyadvances,thegapbetweendigitalandtraditionalbankingwillcontinuetonarrow.1.A.ForexampleB.DespitethisC.HoweverD.Incontrast*(解析：此处需承接上文，说明银行投资数字化的案例)*2.A.NotonlyB.ThereforeC.MoreoverD.Because*(解析：列举更多移动银行功能，表示递进)*3.A.ButB.SoC.AndD.Yet*(解析：转折关系，说明老年人面临的困难)*4.A.SuchasB.ThusC.SinceD.Although*(解析：引出政府应对措施，表示因果关系)*5.A.EventuallyB.CurrentlyC.MeanwhileD.Already*(解析：描述未来趋势，用"eventually"最合适)*四、翻译题（每题2分，共5题）说明：将中文句子翻译成英文。1.工商银行鹤壁分行计划在2025年推出一项针对中小企业的绿色信贷计划。*ICBC’sHèbìbranchplanstolaunchagreencreditprogramforsmallandmedium-sizedenterprisesin2025.*2.为了提升客户体验，银行引入了智能客服系统，能够自动处理常见问题。*Toenhancecustomerexperience,thebankhasintroducedanintelligentcustomerservicesystemcapableofhandlingcommoninquiriesautomatically.*3.鹤壁市的经济复苏得益于政府政策支持和企业创新。*TheeconomicrecoveryinHèbìCitybenefitsfromgovernmentpoliciesandcorporateinnovation.*4.银行要求员工在处理客户数据时必须严格遵守保密协议。*Thebankrequiresemployeestostrictlyadheretoconfidentialityagreementswhenhandlingcustomerdata.*5.中国正在推动普惠金融，确保更多人能够获得基础金融服务。*Chinaispromotinginclusivefinancetoensuremorepeoplecanaccessbasicfinancialservices.*五、写作题（15分，共1题）说明：根据提示写一篇短文（约150词）。Prompt:"WriteaparagraphexplainingwhydigitalbankingisimportantforruralareasinHenanProvince.Includeatleasttwobenefits."SampleAnswer:DigitalbankingiscrucialforruralareasinHenanProvinceduetoitsabilitytobridgethefinancialdivide.First,itprovidesaccesstobankingserviceswithoutphysicalbranchdependency,savingtimeandcostsforfarmers.Second,mobileappsenablereal-timefinancialmanagement,reducingrelianceoninformallenderswithhigh-interestrates.Additionally,digitaltoolspromotefinancialliteracyamongruralresidents,empoweringthemtomakebettereconomicdecisions.AsHenan'seconomygrows,digitalbankingwillplayanincreasinglyvitalroleinsupportingruraldevelopment.答案及解析一、单选题1.B.Expanding*解析：题目强调数字银行推动当地企业更容易获得金融服务，体现“扩张”趋势。*2.B.Topromotesustainableeconomicgrowth*解析：工商银行绿色金融政策核心是支持可持续发展，符合国家政策导向。*3.C.Financialanalysisexpertise*解析：银行岗位需专业金融知识，其他选项与银行业务无关。*4.B.Improvecustomersatisfaction*解析：快速贷款流程提升客户体验是银行业务优化目标。*5.B."Localenterprisesandnationalpolicies"*解析：地方经济发展受企业和国策双重支持，符合实际情况。*6.C."Followinternalregulationsstrictly"*解析：银行合规性要求员工遵守制度，保护客户信息。*7.B.Strengtheningclientinteractions*解析：CRM核心是维护客户关系，其他选项描述错误。*8.A.Submitdocuments,undergocreditcheck,andwaitforapproval*解析：抵押贷款流程标准步骤是提交材料、审核信用、等待批准。*9.B.Promotingenvironmentallyfriendlyinvestments*解析：中国“双碳”目标下，绿色金融支持环保产业。*10.B.Excessivepaperwork*解析：银行旺季常因业务量增大导致文书工作繁重。*二、阅读理解1.B.TopromoteeconomicgrowthinHenan*解析：文章首句明确政策目标为支持鹤壁等地经济。*2.B.Manufacturing,agriculture,andtechnology*解析：文中列举的行业是政策重点支持领域。*3.C.High-interestratesfro