中信銀行寧波市海曙區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）題目：閱讀以下段落，從每題所給的四個選項中選出一個最佳答案，填入相應空格。TheriseofdigitalbankinghasreshapedthefinanciallandscapeinChina,especiallyincoastalcitieslikeNingbo.LocalbankslikeChinaCITICBankhaveadaptedbyintegratingAI-drivenservicestoenhancecustomerexperience.However,traditionalchallengesremain,suchas[1]inruralareas.ManysmallbusinessesinZhejiangProvincestillstrugglewith[2]duetoinadequatedigitalinfrastructure.Toaddresstheseissues,ChinaCITICBankNingbobranchlauncheda[3]programlastyear,offeringfreefinancialliteracyworkshops.Theinitiativehas[4]a30%increaseindigitalaccountregistrationsinthecity.Anotherkeyfocusis[5],asthebankcollaborateswithlocaluniversitiestotrainthenextgenerationoffintechprofessionals.However,thecompetitioninthebankingsectorremainsfierce.WhileChinaCITICBankhas[6]itsmobileapp,rivalslikeBankofChinahave[7]moreadvancedfeatures.ThisforcesCITICBanktocontinually[8]itsofferingstostayrelevant.Forinstance,theirrecent[9]pilotintheHaiyundistrictintroducedblockchain-basedpaymentsolutions,which[10]a20%reductionintransactioncosts.Theseeffortsreflectthebank’scommitmenttoinnovationintheevolvingfinancialindustry.選項：1.A.accessibilityB.affordabilityC.availabilityD.adaptability2.A.transactionB.complianceC.integrationD.accessibility3.A.digitalB.financialC.educationalD.technological4.A.boostedB.declinedC.stabilizedD.reduced5.A.talentdevelopmentB.infrastructureexpansionC.regulatorycomplianceD.marketpenetration6.A.enhancedB.simplifiedC.abandonedD.optimized7.A.introducedB.ignoredC.delayedD.acquired8.A.diversifyB.consolidateC.streamlineD.innovate9.A.trialB.mergerC.acquisitionD.partnership10.A.achievedB.proposedC.delayedD.contested二、閱讀理解（共5題，每題2分）題目：閱讀以下文章，回答問題。文章：TheImpactofRemoteBankingonUrbanFinancialServicesinNingboTherapiddevelopmentofinternetbankinghastransformedhowurbanresidentsinNingbomanagetheirfinances.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,over70%ofadultsinZhejiang’sprovincialcapitalnowpreferdigitaltransactionsoverphysicalvisits.Thisshifthasseveralimplicationsforlocalbanks.First,itreducestheworkloadattraditionalbranches,forcinginstitutionslikeChinaCITICBankto[11]morestafffordigitalsupportroles.Second,itincreasesthedemandforAI-poweredtoolstohandlecomplexqueries.ApilotprogrambyCITICBank’sNingbobranch,usingchatbotsforbasicinquiries,[12]customerwaittimesby50%.However,criticsarguethatsuchsystems[13]humaninteraction,whichiscrucialforhigh-valueclients.Anothertrendistheriseof[14]bankingservices.ManybusinessesinNingbo’smanufacturingsectornowrelyononlineplatformstoaccessloans,a[15]thathastraditionallyfavoredlargerenterprises.Tocompete,bankslikeChinaMerchantsBankhave[16]specializedmicrofinanceproductsforSMEs.Theseinitiativeshave[17]significantgrowthinthebank’sloanportfolio.Yet,challengespersist.Cybersecurityremainsatopconcern,asphishingscamstargetingsmallbusinessesintheregion[18]over30%lastyear.Additionally,thedigitaldivide[19]ruralareaswithinNingbo,whereinternetpenetrationisstillbelowthenationalaverage.Tobridgethisgap,thegovernmenthas[20]subsidiesforruralresidentstoupgradetheirdevices.問題：11.WhathasbeentheprimaryeffectofremotebankingonbankbranchesinNingbo?A.IncreasedfoottrafficB.ReducedstaffingneedsC.HigherprofitabilityD.Morephysicalservices12.Accordingtothearticle,whatwasakeyoutcomeofCITICBank’schatbotprogram?A.DecreasedcustomersatisfactionB.NochangeinwaittimesC.A50%reductioninwaittimesD.Ashifttovoice-basedservices13.WhatisacriticismofAI-drivenbankingservices?A.TheyaretooexpensivetoimplementB.TheylackhumaninteractionC.TheyareonlyusefulforlargeclientsD.Theyarenotsecureenough14.WhattypeofbankingservicehasgainedpopularityamongSMEsinNingbo?A.WealthmanagementB.MicrofinanceC.CorporatebankingD.Investmentbanking15.HowhasmicrofinancechangedthelendinglandscapeinZhejiang?A.IthasfavoredlargerenterprisesB.IthasexcludedsmallbusinessesC.IthasdemocratizedaccesstoloansD.Ithasincreasedinterestrates16.WhatstrategyhavebankslikeChinaMerchantsBankadoptedtoattractSMEclients?A.OfferinghigherinterestratesB.ProvidingfreefinancialadviceC.LaunchingmicrofinanceproductsD.Expandingphysicalbranchnetworks17.Whathasbeenaresultofthesemicrofinanceinitiatives?A.NochangeinloanportfoliogrowthB.AdeclineinloanapprovalsC.SignificantgrowthinloanportfoliosD.Increaseddefaultrates18.WhatisamajorcybersecurityconcerninNingbo’sbusinesssector?A.IdentitytheftB.PhishingscamsC.DatabreachesD.Fraudulenttransactions19.WhatissuepersistsinruralareasofNingbo?A.HighinternetpenetrationB.LimitedbankingservicesC.ExcessivecompetitionD.Nofinancialchallenges20.Whatgovernmentmeasurehasbeenintroducedtoaddressruralconnectivity?A.MandatoryinternetsubsidiesB.FreesmartphonedistributionC.TaxincentivesforruralbusinessesD.PublicWi-Fiinstallations三、完形填空（共10題，每題1分）題目：閱讀以下段落，選擇最佳答案填空。ThebankingsectorinNingbohas[21]dramaticallyoverthepastdecade,drivenbytechnologicaladvancementsandchangingconsumerhabits.ChinaCITICBank,oneofthecity’sleadingfinancialinstitutions,has[22]itsdigitalinfrastructuretomeetthisdemand.Thebank’smobileappnow[23]over5millionactiveusers,makingitakeychannelforcustomerengagement.However,theintegrationofnewtechnologieshas[24]challenges.Forinstance,theadoptionofblockchainincross-borderpaymentshas[25]complexityforcomplianceteams.Atthesametime,theriseoffintechstartupsinZhejianghas[26]traditionalbankstoinnovatefaster.AcaseinpointistherecentcollaborationbetweenCITICBankandalocalfintechfirmtodevelopa[27]paymentsolution.Anotherfocusareais[28].Thebankhas[29]partnershipswithuniversitiesinNingboto培養(yǎng)talentinfintechandcybersecurity.Theseeffortsaimto[30]theskillsgap,whichiscriticalforlong-termcompetitiveness.選項：21.A.evolvedB.declinedC.stagnatedD.expanded22.A.modernizedB.neglectedC.simplifiedD.expanded23.A.servesB.exceedsC.supportsD.dominates24.A.introducedB.resolvedC.minimizedD.ignored25.A.reducedB.simplifiedC.increasedD.eliminated26.A.forcedB.discouragedC.supportedD.ignored27.A.centralizedB.decentralizedC.automatedD.secured28.A.riskmanagementB.talentdevelopmentC.infrastructureinvestmentD.regulatorycompliance29.A.formedB.dissolvedC.strengthenedD.weakened30.A.bridgeB.widenC.closeD.create四、句子改錯（共5題，每題2分）題目：以下句子均含有一處錯誤，請指出并改正。1.TherapidgrowthofdigitalbankinghasmaketraditionalbankslesscompetitiveinNingbo.→Corrected:Therapidgrowthofdigitalbankinghas[31]traditionalbankslesscompetitiveinNingbo.2.Accordingtoarecentreport,over60%ofSMEsinZhejiangprovincenowrelyononlinebankingfortheirfinancialneeds.→Corrected:Accordingtoarecentreport,over60%ofSMEsinZhejiangprovincenowrelyononlinebankingfortheirfinancialneeds.3.ChinaCITICBankhaslaunchanewmobileappthatallowscustomerstotransfermoneyinstantly.→Corrected:ChinaCITICBankhas[32]anewmobileappthatallowscustomerstotransfermoneyinstantly.4.TheintegrationofAIinbankingserviceshasimprovedtheefficiencyofcustomersupport,butitalsoraisesethicalconcerns.→Corrected:TheintegrationofAIinbankingserviceshasimprovedtheefficiencyofcustomersupport,butitalsoraisesethicalconcerns.5.ThegovernmentofNingbohasimplementpoliciestoencouragetheadoptionofdigitalpaymentsamongresidents.→Corrected:ThegovernmentofNingbohas[33]policiestoencouragetheadoptionofdigitalpaymentsamongresidents.五、翻譯填空（共10題，每題1分）題目：將以下中文句子翻譯成英文，填入空格。1.寧波市的海曙區(qū)是浙江省重要的金融中心之一。→TheHaiyunDistrictofNingboisoneofthe[34]financialhubsin[35]Province.2.中國中信銀行寧波分行致力于提升農(nóng)村地區(qū)的金融服務水平?！鶦hinaCITICBank[36]Ningboiscommittedto[37]theleveloffinancialservicesinruralareas.3.隨著互聯(lián)網(wǎng)技術的發(fā)展，遠程銀行服務在寧波越來越受歡迎。→Withthedevelopmentofinternettechnology,remotebankingservicesinNingboarebecoming[38]popular.4.寧波市政府提供補貼以支持小微企業(yè)數(shù)字化轉(zhuǎn)型?！鶷heNingbogovernmentprovidessubsidiesto[39]thedigitaltransformationofsmallandmedium-sizedenterprises.5.人工智能在銀行風控中的應用有助于降低欺詐風險?！鶷heapplicationofAIin[40]riskmanagementhelps[41]fraudrisks.6.中國銀行寧波分行推出了新的跨境支付解決方案。→BankofChina[42]Ningbohaslauncheda[43]paymentsolutionforcross-bordertransactions.7.寧波的金融科技行業(yè)正在快速發(fā)展，吸引了眾多投資?！鶷hefintechindustryinNingbois[44]rapidly,attracting[45]investment.8.中國工商銀行在寧波的網(wǎng)點數(shù)量比其他銀行更多?！鶬CBCinNingbohas[46]morebranchesthanotherbanks.9.寧波的銀行業(yè)競爭激烈，銀行需要不斷創(chuàng)新以保持優(yōu)勢?！鶷hebankingsectorinNingbois[47]competitive,andbanksneedto[48]continuouslytomaintaintheiradvantage.10.浙江省的農(nóng)村地區(qū)仍然面臨金融基礎設施不足的問題?！鶵uralareasin[49]Provincestillface[50]infinancialinfrastructure.答案及解析一、選詞填空1.A(accessibility)–農(nóng)村地區(qū)金融服務普及性不足。2.C(integra