中信銀行北京市東城區(qū)2025秋招筆試英文行測高頻題含答案一、選詞填空（共5題，每題2分，共10分）每題從選項中選出一個最合適的單詞填入句子空白處。1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapttonewmarket______.A.forced/challengesB.compelled/opportunitiesC.urged/competitionD.driven/demands2.Inorderto______therisingrisksofcreditdefaults,thebankhasstrengtheneditsrisk______mechanisms.A.mitigate/assessmentB.reduce/managementC.control/evaluationD.minimize/monitoring3.Thenewpolicyaimsto______smallandmedium-sizedenterprisesbyprovidingmoreaccessiblefinancing______.A.support/toolsB.assist/resourcesC.boost/incentivesD.enhance/channels4.Thebranchmanageremphasizedtheimportanceofcustomer______toimproveservicequalityandretainclients.A.satisfactionB.satisfactionC.satisfactionD.satisfaction5.Duetoregulatory______,thebankhasadjusteditsloanapproval______toensurecompliance.A.changes/processB.updates/criteriaC.revisions/standardsD.modifications/procedures二、閱讀理解（共4題，每題3分，共12分）閱讀以下短文，回答問題。Passage:Theriseofdigitalbankinghastransformedthewayfinancialinstitutionsoperate.Withthewidespreadadoptionofmobileappsandonlineplatforms,customersnowexpectseamlessandinstantservices.TraditionalbankslikeCITICBankhaveinvestedheavilyintechnologytomeetthesedemands.However,thisshifthasalsointroducednewchallenges,suchasdatasecurityrisksandtheneedforcontinuousstafftraining.Tostaycompetitive,banksmustbalanceinnovationwithriskmanagementwhilemaintainingastrongfocusoncustomerexperience.1.Whathasbeenthemostsignificantimpactofdigitalbanking?A.IncreasedloanapprovalsB.EnhancedcustomersatisfactionC.HigheroperationalcostsD.Greaterregulatoryscrutiny2.Accordingtothepassage,whatisamajorchallengefortraditionalbanks?A.InsufficientfundingB.DigitalsecurityrisksC.DecreasedcustomerengagementD.Outdatedinfrastructure3.Howdobanksplantoaddressthechallengesofdigitaltransformation?A.ByreducinginvestmentintechnologyB.ByfocusingsolelyonmobilebankingC.BybalancinginnovationwithriskmanagementD.Byignoringcustomerexpectations4.Whatdoesthepassagesuggestaboutthefutureofbanking?A.TraditionalbankswilldisappearcompletelyB.DigitalserviceswillreplaceallphysicalbranchesC.BanksmustadapttotechnologicalchangesD.Customerpreferenceswillbecomelessimportant三、語法填空（共5題，每題2分，共10分）根據(jù)句子意思和所給提示詞，用適當(dāng)形式填空。1.Thebank’sprofitability______(depend)onthesuccessofitsnewcreditpolicy.2.Ifcustomers______(meet)theloanrequirements,theirapplicationswillbeapprovedfaster.3.Sincefintechcompanies______(already/innovate)rapidly,traditionalbanksmustkeepup.4.Theregulatorycommittee______(recommend)strictermeasurestocontrolfraud.5.Customerswho______(complain)aboutserviceissuesshouldcontactthebranchmanagerdirectly.四、完形填空（共5題，每題2分，共10分）閱讀以下短文，選擇最佳選項填空。Thebankingsectorisevolvingrapidlyduetotechnologicaladvancements.Artificialintelligenceandbigdataanalyticshavebecomeintegraltoolsforimprovingdecision-making.Forinstance,CITICBankhasimplementedAI-drivensystemstodetectfraudulenttransactionsinrealtime.Thesetechnologiesnotonlyenhancesecuritybutalsoreduceoperationalcosts.However,theintegrationofsuchtoolsrequiressignificantinvestmentandskilledpersonnel.Banksmustalsoaddressethicalconcerns,suchasdataprivacyandalgorithmicbias.Onlybycarefullymanagingthesechallengescantheyfullyleveragethebenefitsofdigitaltransformation.1.A.evolvingB.transformingC.decliningD.stabilizing2.A.applicationsB.toolsC.challengesD.investments3.A.systemsB.processesC.policiesD.strategies4.A.ethicalB.financialC.operationalD.technical5.A.opportunitiesB.risksC.benefitsD.limitations五、翻譯填空（共5題，每題2分，共10分）將英文句子翻譯成中文，用括號中的中文提示詞填空。1.Thebank’sonlinebankingplatformisdesignedto______(簡化)theprocessoftransferringfunds.2.To______(降低)creditrisks,thebankconductsthoroughbackgroundchecksonborrowers.3.ThenewbranchinDongchengDistrictaimsto______(服務(wù))thegrowingdemandforpersonalizedfinancialadvice.4.Employeesareencouragedto______(提高)theirdigitalliteracytoadapttothechangingindustry.5.Thebank’scompliancedepartmentensuresthatalloperations______(遵守)thelatestregulatoryguidelines.六、句子改錯（共5題，每題2分，共10分）找出句子中的錯誤并改正。1.Thecustomerserviceteamwillhandlethecomplaintassoonaspossible.→(錯誤：______；改正：______2.Theloanapprovalprocessmustbecompletedwithinthreebusinessdays.→(錯誤：______；改正：______3.Employeesshouldreportanysuspiciousactivitiesimmediately.→(錯誤：______；改正：______4.Thebank’sannualreportwaspublishedlastmonth.→(錯誤：______；改正：______5.Allcustomersmustfillouttheapplicationformbefore5PMtomorrow.→(錯誤：______；改正：______答案與解析一、選詞填空1.B(compelled/opportunities)解析：fintech的快速發(fā)展迫使傳統(tǒng)銀行業(yè)抓住新市場機遇。2.A(mitigate/assessment)解析：為緩解信貸違約風(fēng)險，銀行加強了風(fēng)險評估機制。3.C(boost/incentives)解析：新政策旨在通過提供更多融資激勵來支持中小企業(yè)。4.A(satisfaction)解析：分行經(jīng)理強調(diào)提升客戶滿意度的重要性。5.D(modifications/procedures)解析：因監(jiān)管調(diào)整，銀行調(diào)整了貸款審批程序以確保合規(guī)。二、閱讀理解1.B解析：文中提到數(shù)字銀行提升了客戶體驗。2.B解析：文中指出數(shù)字安全風(fēng)險是主要挑戰(zhàn)。3.C解析：銀行計劃在創(chuàng)新與風(fēng)險管理間取得平衡。4.C解析：文章暗示銀行必須適應(yīng)技術(shù)變革。三、語法填空1.depends解析：動詞原形作謂語。2.meet解析：一般現(xiàn)在時，第三人稱單數(shù)形式。3.havealreadyinnovated解析：現(xiàn)在完成時，強調(diào)過去動作對現(xiàn)在的影響。4.recommends解析：一般現(xiàn)在時，第三人稱單數(shù)形式。5.complain解析：動詞原形作主語補足語。四、完形填空1.evolving解析：銀行業(yè)正在快速發(fā)展變化。2.tools解析：AI和大數(shù)據(jù)分析是