2025年上海银行招聘考试（英语）历年参考题库含答案详解.docxVIP

2025年上海银行招聘考试（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、Acustomerasks,HowcanIcheckmyaccountbalance?Thetellerresponds,PleaseinsertyourcardintotheATMmachinefirst.Whichstatementbestdescribestheserviceprocess?

A.Consultthemanualbeforeproceeding.

B.Proceeddirectlytothecounter.

C.Consultthefirstbeforeperformingactions.

D.Performactionsbasedonthecustomerrequest.

【参考答案】C

【解析】银行服务流程通常遵循先咨询再执行。选项C强调在执行操作前应与客户沟通确认需求，符合银行操作规范。其他选项均不符合实际服务流程。

2、Aloanapplicationrequiresacreditscoreofatleast650.Ifacustomersscoreis640,whichstatementiscorrect?

A.Theapplicationwillautomaticallybeapproved.

B.Theapplicationwillberejectedimmediately.

C.Thecustomerneedstoimprovetheircreditscorefirst.

D.Theapplicationneedsadditionaldocumentation.

【参考答案】C

【解析】信用评分低于贷款门槛时，银行通常要求客户先提升信用水平。选项C符合银行风险管理原则。其他选项均不符合常规处理流程。

3、AnATMtransactionfailsduetoinsufficientfunds.Thecustomersmessagesays,Ineedtowithdraw￥5,000.Whatshouldthebankdo?

A.Returnthecardimmediately.

B.Allowthetransactiontocomplete.

C.Suggestasmallerwithdrawalamount.

D.Contactthecustomerforconfirmation.

【参考答案】C

【解析】当账户余额不足时，银行应建议客户调整取款金额。选项C符合ATM操作规范，其他选项均不符合实际情况。

4、customerwantstoexchangeUSDforCNY.Thebankstaffasks,MayIseeyourIDcard,please?Whichrequirementisbeingenforced?

A.Proofoftransactionpurpose.

B.Verificationofaccountownership.

C.Compliancewithanti-moneylaunderinglaws.

D.Confirmationofaccountbalance.

【参考答案】C

【解析】根据反洗钱法规，银行必须核实客户身份。选项C正确，其他选项与反洗钱核查无关。

5、Whichloantypeistypicallyusedforpurchasingacar?

A.Overdraftloan

B.Consumerloan

C.Businessloan

D.Mortgageloan

【参考答案】B

【解析】消费贷款专门用于个人消费支出，包括购车、旅游等。选项B正确，其他选项均不符合题意。

6、Anelectronicbankingservicepromises24-houraccountmanagement.Whichfeatureisbeingdescribed?

A.Real-timetransactionmonitoring

B.Automatedaccountupdates

C.24-hourcustomersupport

D.Remoteaccountopening

【参考答案】C

【解析】24-houraccount