2025年郑州银行招聘考试（英语）历年参考题库含答案详解.docxVIP

2025年郑州银行招聘考试（英语）历年参考题库含答案详解

一、选择题

从给出的选项中选择正确答案（共50题）

1、Inbanking,overdraftreferstowhenacustomersaccountbalanceis______.

A.higherthanthedepositlimit

B.negativebutcoveredbythebankscredit

C.lowerthantherequiredminimum

D.matchedwiththeloanrepayment

【参考答案】B

【解析】draft指允许客户账户透支，超过存款余额但由银行信用垫付，B正确。A是超额存款，C是低于最低余额，D是贷款还款，均不符合定义。

2、ThesentenceBy2025,60%ofloanswillbedigitalizeduseswhichtense?

A.PresentContinuous

B.FutureSimple

C.PresentPerfect

D.PastContinuous

【参考答案】B

【解析】willbe明确表示未来状态，属于FutureSimple。其他时态：A指进行中的未来动作，C表示已完成但结果相关，D描述过去持续动作。

3、Whichphrasecorrectlyexpresses申请贷款?

A.applytoaloan

B.applyforaloan

C.applywithaloan

D.applyataloan

【参考答案】B

【解析】固定搭配applyfor+名词，如applyforajob。其他选项：A/B/C/D均不符合标准用法。

4、Ifacustomerfailstorepayaloanontime,thebankwill:

A.chargeextrainterestimmediately

B.reducethecreditlimit

C.closetheaccountpermanently

D.offerarefund

【参考答案】B

【解析】银行通常采取降额措施而非立即加息或销户，退款不符合贷款规则。正确选项体现银行风控常规手段。

5、Theinterestrateisfixedfortheentireloantermuseswhichadjective?

A.flexible

B.variable

C.stable

D.adjustable

【参考答案】C

【解析】fixed对应形容词stable，指利率不变。其他选项：flexible可变，variable波动，adjustable可调整，均与题干矛盾。

6、Whichsentenceisgrammaticallycorrect?

A.Theclientwhoborrowedmoneylastyearhasalreadyrepaidthedebt.

B.Theclientthatborrowedmoneylastyearhasalreadyrepaidthedebt.

C.Theclientwhichborrowedmoneylastyearhasalreadyrepaidthedebt.

DTheclientwhomborrowedmoneylastyearhasalreadyrepaidthedebt.

【参考答案】A

【解析】关系代词who用于人且指代client（非物），that可指人也可指物，which指物，whom作宾语。句中主语是客户（人），正确用who。

7、Readingcomprehension:Toimprovecustomersatisfaction,thebankextendedbusinesshoursto24/7.Themainideais:

A.introducingnewloanproducts

B.enhancingserviceavailability

C.reducingoperationalcosts

D.increasingstaffbonuses

【参考答案】B

【解析】文章核心是延长营业时间，对应服务可用性提升。其他选项：A是新产品，C是成本，D是员工激励，均非