中信銀行威海市乳山市2025秋招筆試英語題專練及答案第一部分：閱讀理解（共5題，每題2分，總分10分）題型說明：每篇短文后有2-3個問題，請根據(jù)短文內(nèi)容選擇最佳答案。Passage1Title:TheFutureofBankinginCoastalCitiesThebankingindustryisundergoingsignificanttransformations,especiallyincoastalcitieslikeWeihaiandRushan.Withtheriseofdigitaltechnologies,traditionalbanksareadaptingtomeetthechangingneedsofcustomers.AccordingtoarecentreportbytheChinaBankingAssociation,theuseofmobilebankingapplicationshasincreasedby35%incoastalregionsoverthepasttwoyears.Thistrendisdrivenbytheconvenienceandefficiencyofferedbydigitalplatforms.However,traditionalbankingservicesremaincrucialforcustomerswhopreferface-to-faceinteractions,particularlyinruralareas.Toaddressthis,manybanks,includingChinaCITICBank,areinvestinginhybridmodelsthatcombinedigitalsolutionswithbrick-and-mortarbranches.Forinstance,thebankhasopenedseveralsmartbankingcentersinWeihai,equippedwithAI-poweredfinancialadvisorsandself-servicekiosks.Thesecentersnotonlyreduceoperationalcostsbutalsoenhancecustomerexperience.InRushan,thebankhasalsointroducedcommunitybankingservices,focusingonsmallbusinessesandlocalentrepreneurs.Theseinitiativesalignwiththebank’scommitmenttosupportingregionaleconomicgrowthwhilemaintaininghighservicestandards.Questions:1.Whatisthemaintrendinthebankingindustryincoastalcities?A.Increasedrelianceontraditionalbranches.B.Growthinmobilebankingapplications.C.Declineincustomersatisfaction.D.Expansionofruralbankingservices.(Answer:B)2.Whydotraditionalbankingservicesremainimportantincoastalregions?A.Digitalplatformslackadvancedfeatures.B.Somecustomerspreferin-personinteractions.C.Governmentregulationsfavorphysicalbranches.D.Coastalareashavelimitedinternetconnectivity.(Answer:B)Passage2Title:EconomicDevelopmentinRushanRushan,acityinShandongProvince,hasbeenmakingstridesineconomicdevelopmentinrecentyears.Thecity’sstrategiclocationneartheBohaiSeahasfacilitatedtradeandtourismgrowth.In2023,Rushan’sGDPgrewby8.2%,higherthantheprovincialaverage.Thisgrowthisattributedtoseveralfactors,includinginfrastructureimprovementsandindustrialdiversification.OneofthekeydriversofRushan’seconomyisitsfocusontourism.Thecityhasinvestedheavilyincoastalresortsandculturalattractions,attractingbothdomesticandinternationalvisitors.Additionally,thegovernmenthaspromotedthedevelopmentofsmallandmedium-sizedenterprises(SMEs),offeringfinancialincentivesandbusinesssupport.Thesemeasureshavecreatednewjobopportunitiesandboostedlocalincomelevels.However,challengesremain.Thecity’srelianceonseasonaltourismrevenuemakesitseconomyvulnerabletoweatherconditions.Tomitigatethisrisk,thegovernmentisencouragingthegrowthofotherindustries,suchasmanufacturingandlogistics.Bydiversifyingitseconomicbase,Rushanaimstoachievesustainablelong-termgrowth.Questions:1.WhathascontributedtoRushan’seconomicgrowth?A.Reductioningovernmentspending.B.Infrastructureimprovementsandindustrialdiversification.C.Depreciationofthelocalcurrency.D.Increasedrelianceonforeigninvestment.(Answer:B)2.WhatisRushan’smaineconomicchallenge?A.Highunemploymentrates.B.Overdependenceonseasonaltourism.C.Insufficientgovernmentsupport.D.Lackofcoastaltourismresources.(Answer:B)Passage3Title:ChinaCITICBank’sCSRInitiativesinWeihaiChinaCITICBankhasbeenactivelyinvolvedincorporatesocialresponsibility(CSR)activitiesinWeihaiandRushan.Thebankhaslaunchedseveralprogramsaimedatimprovingeducation,healthcare,andenvironmentalsustainability.Forexample,thebankhaspartneredwithlocalschoolstoprovidescholarshipsforunderprivilegedstudents.Thesescholarshipshavehelpedhundredsofstudentspursuehighereducation.Inadditiontoeducation,thebankhasalsofocusedonhealthcare.IthasdonatedmedicalequipmenttoruralclinicsinRushan,improvingaccesstohealthcareservicesforlocalresidents.Environmentally,thebankhassupportedcoastalcleanupcampaignsandpromotedgreenbankingpractices.Byreducingpaperusageandencouragingdigitaltransactions,thebankhasreduceditscarbonfootprint.TheseCSRinitiativeshavestrengthenedthebank’sreputationinthecommunity.Customersandstakeholdershaverecognizedthebank’scommitmenttosocialandenvironmentalresponsibility,enhancingbrandloyalty.Questions:1.WhatistheprimaryfocusofChinaCITICBank’sCSRinitiatives?A.Financialinvestmentsinlocalbusinesses.B.Improvingeducation,healthcare,andtheenvironment.C.Expandingitsbranchnetwork.D.Offeringdiscountstocustomers.(Answer:B)2.Howhavetheseinitiativesbenefitedthebank?A.Reducedoperationalcosts.B.Enhancedbrandreputation.C.Increasedregulatoryscrutiny.D.Decreasedcustomerengagement.(Answer:B)第二部分：完形填空（共10題，每題1分，總分10分）題型說明：閱讀下面短文，選擇最佳答案填入空格。TheImportanceofFinancialLiteracyinCoastalCitiesIncoastalregionslikeWeihaiandRushan,financialliteracyplaysacrucialroleineconomicdevelopment.Manyresidentsintheseareasrelyonsmallbusinessesandfishingindustries,whichareoftenvulnerabletoeconomicfluctuations.Withoutproperfinancialknowledge,theymaystruggletomanagerisksandseizeopportunities.Financialeducationhelpsindividualsmakeinformeddecisionsaboutsavings,investments,anddebtmanagement.Forexample,smallbusinessownerscanlearnhowtocreatebudgets,accessloans,andplanforfuturegrowth.Similarly,fishermencanbenefitfromtrainingonriskmitigationstrategies,suchasdiversifyingincomesources.Governmentsandfinancialinstitutionshavearesponsibilitytopromotefinancialliteracy.ChinaCITICBankhaslaunchedseveralprogramsinWeihaiandRushan,offeringworkshopsandonlineresources.Theseeffortshaveempoweredlocalcommunitiestoimprovetheirfinancialwell-being.However,challengesremain.Limitedaccesstotechnologyandlanguagebarrierscanhinderthereachoffinancialeducationprograms.Addressingtheseissueswillrequirecollaborativeeffortsfrompolicymakers,banks,andcommunityorganizations.Questions:1.Whatisthemainpurposeofthepassage?A.Tohighlighttheeconomicchallengesincoastalregions.B.Toemphasizetheimportanceoffinancialliteracy.C.TopromoteChinaCITICBank’sfinancialproducts.D.Tocriticizegovernmentpoliciesoneducation.(Answer:B)2.Howcanfinancialliteracybenefitsmallbusinessowners?A.Byreducingtheirrelianceonloans.B.Byimprovingtheirbudgetingandinvestmentskills.C.Byincreasinggovernmentsubsidies.D.Byeliminatingtheirneedforfinancialplanning.(Answer:B)3.Whatchallengeshinderthespreadoffinancialeducationincoastalareas?A.Highcostsofworkshops.B.Limitedaccesstotechnologyandlanguagebarriers.C.Lackofgovernmentinterest.D.Lowparticipationfromlocalresidents.(Answer:B)4.Whatroledofinancialinstitutionsplayinpromotingfinancialliteracy?A.Theyfocusonlyonsellingfinancialproducts.B.Theyprovidetrainingandresourcestocommunities.C.Theyavoidengagingwithsmallbusinesses.D.Theyrelysolelyononlineplatforms.(Answer:B)5.Whatistheauthor’sstanceonfinancialeducation?A.Itisunnecessaryforcoastalcommunities.B.Itrequiresmoregovernmentintervention.C.Itisasharedresponsibilityamongstakeholders.D.Itshouldbelimitedtourbanareas.(Answer:C)6.Howdoesthepassagedescribetheimpactoffinancialeducation?A.Itleadstoimmediateeconomicgrowth.B.Itempowersindividualstomanagefinances.C.Itreducestheneedforgovernmentsupport.D.Itattractsmoreforeigninvestment.(Answer:B)7.Whatisthekeychallengementionedforimplementingfinancialeducationprograms?A.Lowawarenessamongresidents.B.Insufficientfunding.C.Lackofgovernmentsupport.D.Highdropoutratesinworkshops.(Answer:A)8.HowdoesChinaCITICBankcontributetofinancialliteracy?A.Byofferingscholarshipsforstudents.B.Byorganizingworkshopsandprovidingonlineresources.C.Byinvestinginrealestateprojects.D.Byreducingloaninterestrates.(Answer:B)9.Whatdoesthepassagesuggestaboutcoastaleconomies?A.Theyarestableanddiversified.B.Theyrelyheavilyonsmallbusinessesandfishingindustries.C.Theyareexclusivelydependentontourism.D.Theyhavenoneedforfinancialplanning.(Answer:B)10.Whatistheauthor’smessageaboutfinancialliteracy?A.Itisaluxuryforwealthyindividuals.B.Itisatoolforempowermentandriskmanagement.C.Itisonlyrelevantforlargecorporations.D.Itisawasteoftimeforruralcommunities.(Answer:B)第三部分：詞匯與語法（共15題，每題1分，總分15分）題型說明：選擇最佳答案填空。1.Thebankhas______anewbranchinthedowntownareatoservemorecustomers.A.openedB.openC.opensD.opening(Answer:A)2.Despitetheeconomicchallenges,thebank’sprofits______by10%lastyear.A.increasedB.increasesC.hadincreasedD.increasing(Answer:A)3.Ifyou______moreattentiontoyoursavings,youcouldaffordabetterhousenow.A.paidB.paysC.hadpaidD.pay(Answer:A)4.Thebank’sCEO______beenworkingonthemergerforoverayear.A.hasB.haveC.wasD.were(Answer:A)5.Neitherthecustomersnorthestaff______satisfiedwiththeservicequality.A.isB.areC.wasD.were(Answer:A)6.We______tothebank’sannualmeetinglastweek,butwemissedthespeech.A.goB.wentC.goingD.goes(Answer:B)7.Thebank’smobileapp______user-friendly,butitstillneedsimprovements.A.isB.areC.wasD.were(Answer:A)8.Iftheeconomy______better,thebankmightloweritsinterestrates.A.doesB.doC.willdoD.isdoing(Answer:A)9.Thebank’sfinancialreports______carefullyreviewedbyauditorsbeforepublication.A.areB.isC.wereD.hasbeen(Answer:A)10.Allemployees______tocompletethetrainingprogrambytheendofthemonth.A.mustB.mustsC.hastoD.haveto(Answer:A)11.Thebank’sloanapprovalprocess______streamlinedtoimproveefficiency.A.hasbeenB.hadbeenC.wasD.were(Answer:A)12.Neitherthemanagernortheteammembers______awareofthechanges.A.isB.areC.wasD.were(Answer:A)13.Thebank’sinvestmentportfolio______diversifiedtoreducerisk.A.wasB.wereC.hasbeenD.havebeen(Answer:C)14.Ifyou______moretimetoreviewthecontract,youcouldcatchtheerrors.A.haveB.hadC.hasD.having(Answer:B)15.Thebank’screditscoringsystem______updatedtoreflectcurrenteconomicconditions.A.hasB.haveC.wasD.were(Answer:A)第四部分：翻譯（共5題，每題2分，總分10分）題型說明：將下列句子翻譯成英語。1.中國信合銀行威海市乳山市分行致力于為客戶提供卓越的金融服務(wù)。(Answer:ChinaCITICBank,YantaiRushanBranch,iscommittedtoprovidingexcellentfinancialservicestocustomers.)2.近年來，該地區(qū)的銀行業(yè)競爭日益激烈，銀行需要不斷創(chuàng)新以保持競爭力。(Answer:Inrecentyears,thebankingcompetitioninthisregionhasintensified,andbanksneedtoinnovatecontinuouslytomaintaintheircompetitiveness.)3.該銀行推出了一系列針對小微企業(yè)的金融產(chǎn)品，以支持當(dāng)?shù)亟?jīng)濟(jì)發(fā)展。(Answer:Thebankhaslaunchedaseriesoffinancialproductsforsmallandmedium-sizedenterprisestosupportlocaleconomicdevelopment.)4.客戶滿意度是衡量銀行服務(wù)質(zhì)量的重要指標(biāo)。(Answer:Customersatisfactionisakeyindicatorofbankingservicequality.)5.隨著數(shù)字化轉(zhuǎn)型的推進(jìn)，傳統(tǒng)銀行需要適應(yīng)新的市場環(huán)境。(Answer:Withtheadvancementofdigitaltransformation,traditionalbanksneedtoadapttothenewmarketenvironment.)答案與解析第一部分：閱讀理解1.B解析：文章第一段明確提到“theuseofmobilebankingapplicationshasincreasedby35%incoastalregions.”2.B解析：文章第一段提到“traditionalbankingservicesremaincrucialforcustomerswhopreferface-to-faceinteractions,particularlyinruralareas.”3.B解析：文章第二段提到“thecity’sstrategiclocationneartheBohaiSeahasfacilitatedtradeandtourismgrowth.”4.B解析：文章第三段指出“thecity’srelianceonseasonaltourismrevenuemakesitseconomyvulnerabletoweatherconditions.”5.B解析：文章第三段提到“financialeducationhelpsindividualsmakeinfor