兴业银行泉州市鲤城区2025秋招笔试英语题专练及答案

兴业银行泉州市鲤城区2025秋招笔试英语题专练及答案第一部分：词汇选择（共10题，每题1分）说明：从每题四个选项中选出一个最佳答案填入空白处。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovate.A.forcedB.enabledC.replacedD.ignored2.鲤城区的中小企业在申请贷款时，常因缺乏______资料而遇到困难。A.financialB.legalC.supportingD.administrative3.兴业银行在泉州分行推出绿色信贷产品，以______当地企业的可持续发展。A.promoteB.limitC.delayD.ignore4.ThenewbranchinJinfuSquareisdesignedto______customersfromallagegroups.A.attractB.excludeC.ignoreD.exclude5.Digitalbankinghas______theneedforphysicalpaperworkinmanytransactions.A.eliminatedB.increasedC.reducedD.expanded6.Thebank'sriskmanagementteammust______strictcompliancewithlocalregulations.A.followB.ignoreC.challengeD.weaken7.The______loanprogramtargetsstartupswithhighgrowthpotentialinXiamen.A.conservativeB.innovativeC.traditionalD.risky8.鲤城区的房产市场在2024年经历了______波动，但整体仍保持稳定增长。A.minorB.significantC.negligibleD.moderate9.Themobilebankingappprovidesa______platformforreal-timefundtransfers.A.secureB.unstableC.complicatedD.inefficient10.Thebank'sCSRinitiativesaimto______thecommunitythroughfinancialliteracyprograms.A.enrichB.neglectC.harmD.isolate第二部分：阅读理解（共5题，每题2分）说明：阅读以下短文，从每题四个选项中选出一个最佳答案。Passage1TheriseofdigitalbankinghastransformedthefinanciallandscapeinChina,particularlyincoastalregionslikeQuanzhou.Traditionalbanks,includingIndustrial-CommercialBankofChina,areincreasinglyadoptingmobile-firststrategiestocatertoyoungerdemographics.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,over60%ofurbanresidentsinFujianProvinceusedigitalbankingservicesdaily.However,challengesremain,suchascybersecurityrisksandthedigitaldivideamongoldercustomers.LocalbankslikeIndustrial-CommercialBankofChinaareworkingtobridgethisgapthroughofflineworkshopsandsimplifiedinterfaces.1.Whatisthemainfocusofthepassage?A.ThegrowthoftraditionalbanksinQuanzhou.B.TheimpactofdigitalbankingonFujian'seconomy.C.Cybersecuritychallengesinthefinancialsector.D.Governmentpoliciesondigitalbanking.2.Whyareoldercustomersstillaconcernforbanks?A.Theypreferphysicaltransactions.B.Theylackdigitalliteracy.C.Theyaremorevulnerabletofraud.D.Theydistrusttechnology.3.Whichbankismentionedasadaptingtodigitaltrends?A.Industrial-CommercialBankofChina.B.BankofChina.C.AgriculturalBankofChina.D.ChinaMerchantsBank.Passage2LichengDistrict,Quanzhou,hasbecomeahubforsmallandmedium-sizedenterprises(SMEs)inFujian.However,thesebusinessesoftenstrugglewithlimitedaccesstofinancing.Industrial-CommercialBankofChinahasintroducedaspecializedloanprogramtoaddressthisissue.Theprogramoffersflexibleterms,includinglowerinterestratesforenvironmentallyfriendlyprojects.A2023surveyfoundthat70%ofSMEsinLichengbenefitedfromtheseinitiatives.ThebankalsoprovidesfinancialadvisoryservicestohelpSMEsimprovetheircreditworthiness.4.Whatistheprimarypurposeoftheloanprogram?A.Toincreasebankprofits.B.Tosupportsustainabledevelopment.C.Toexpandthebank'smarketshare.D.Toreduceloandefaults.5.Accordingtothesurvey,whatisthemostsignificantoutcomeoftheprogram?A.Itboostedbankrevenue.B.ItimprovedSMEcreditratings.C.Itreducedinterestratesforallborrowers.D.ItencouragedSMEstoinvestinrealestate.第三部分：完形填空（共10题，每题1分）说明：阅读以下短文，从每题四个选项中选出一个最佳答案填入空白处。ThefinancialsectorinQuanzhouhasseenremarkablechangesinrecentyears.Withtheriseoffintech,bankslikeIndustrial-CommercialBankofChinahave______(6)theirservicestomeetcustomerdemands.Digitalplatformshave______(7)traditionalbranches,allowingclientstoaccessbankingservicesanytime,anywhere.However,thisshifthasalso______(8)newchallenges,suchasdatasecurityconcerns.Toaddresstheseissues,thebankhas______(9)adedicatedcybersecurityteam.Additionally,thebankhas______(10)communityprogramstopromotefinancialinclusion.6.A.adaptedB.ignoredC.reducedD.simplified7.A.replacedB.complementedC.diminishedD.eliminated8.A.raisedB.solvedC.ignoredD.created9.A.establishedB.weakenedC.abandonedD.neglected10.A.launchedB.canceledC.delayedD.reduced第四部分：翻译（共5题，每题2分）说明：将以下中文句子翻译成英文。1.兴业银行在泉州推出了多项创新金融产品，以支持当地企业的发展。2.随着利率市场化改革的推进，银行需要更加灵活地调整信贷策略。3.泉州市鲤城区的居民可以通过手机银行APP进行便捷的转账操作。4.银行监管机构要求金融机构加强反洗钱措施的执行力度。5.绿色金融是兴业银行未来发展的重点方向之一。第五部分：写作（共1题，10分）说明：写一篇150-200字的短文，讨论“数字化转型对银行的影响”。答案及解析第一部分：词汇选择1.A(forced)解析：fintech的快速发展迫使传统银行业必须创新。2.C(supporting)解析：中小企业常因缺乏辅助材料（如财务报表）而贷款困难。3.A(promote)解析：绿色信贷旨在促进当地企业的可持续发展。4.A(attract)解析：新分行旨在吸引不同年龄段的客户。5.A(eliminated)解析：数字银行消除了许多交易中的纸质文件需求。6.A(follow)解析：风险管理团队必须遵守当地法规。7.B(innovative)解析：该贷款计划针对厦门的高增长初创企业。8.B(significant)解析：鲤城区的房产市场在2024年经历了显著波动。9.A(secure)解析：移动银行APP提供安全的实时转账平台。10.A(enrich)解析：CSR项目通过金融知识普及丰富社区。第二部分：阅读理解1.B解析：文章主要讨论数字银行对福建经济的影响。2.B解析：老年人缺乏数字技能，导致银行服务难以覆盖。3.A解析：文章明确提到Industrial-CommercialBankofChina在适应数字趋势。4.B解析：贷款计划的主要目的是支持环保项目。5.B解析：调查显示，70%的中小企业信用评级得到改善。第三部分：完形填空6.A(adapted)解析：银行调整服务以适应市场变化。7.B(complemented)解析：数字平台补充而非取代传统网点。8.D(created)解析：数字化转型创造了新的安全挑战。9.A(established)解析：银行成立专门的安全团队。10.A(launched)解析：银行启动社区金融普惠计划。第四部分：翻译1.Industrial-CommercialBankofChinahasintroducedseveralinnovativefinancialproductsinQuanzhoutosupportthedevelopmentoflocalenterprises.2.Withtheadvancementofinterestrateliberalization,banksneedtoadjusttheircreditstrategiesmoreflexibly.3.ResidentsinLichengDistrict,Quanzhou,canconvenientlytransferfundsthroughthemobilebankingapp.4.Regulatoryauthoritiesrequirefinancialinstitutionstostrengthentheimplementationofanti-moneylaunderingmeasures.5.GreenfinanceisoneofthekeydirectionsforthefuturedevelopmentofIndustrial-CommercialBankofChina.第五部分：写作SampleAnswer:Thedigitaltransformationhasre