中信銀行合肥市肥西縣2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）directions:Choosethebestwordtofillintheblankfromthefouroptions(A,B,C,D).1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapt.A.forcedB.encouragedC.delayedD.supported2.Toimprovecustomersatisfaction,thebankshould______itsonlineserviceplatformsforamoreseamlessexperience.A.upgradeB.neglectC.simplifyD.expand3.TheregulatoryenvironmentinChinarequiresbankstostrengthen______topreventfinancialrisks.A.transparencyB.flexibilityC.secrecyD.efficiency4.The肥西縣branchaimsto______a30%increaseindigitalbankingusersby2026.A.achieveB.exceedC.reduceD.postpone5.ThecollaborationbetweenChinaInternationalTrustandInvestmentCorporation(CITIC)andlocalbankshas______mutualgrowth.A.drivenB.hinderedC.stabilizedD.declined二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagecarefullyandanswerthefollowingquestions.Passage:TheCentralBankofChinahasrecentlyintroducedstrictercapitaladequacyrequirementsforcommercialbanks,aimingtoenhancethefinancialsystem'sresilience.Thenewruleswillrequirebankstomaintainaminimumcapitalratioof12.5%fordomesticoperationsand15%foroverseasbranches.ThismovereflectsthegrowingconcernsoverassetqualityinthewakeofrisinglocalgovernmentdebtinprovinceslikeAnhui.Localbanks,particularlythosein肥西縣,areexpectedtofacechallengesinmeetingthesetargets,giventheirrelianceonrealestatefinancing.However,thecentralbankalsoemphasizedsupportforbanksthatfocusongreenfinanceandruraldevelopment,whichalignswithChina'sdual-carbongoals.1.Whatistheprimarypurposeofthenewcapitaladequacyrequirements?A.Toincreasebanks'profitability.B.Tostrengthenfinancialstability.C.Topromoteinternationalexpansion.D.Toreducelendingtorealestate.2.Howwilllocalbanksin肥西縣beaffectedbythenewrules?A.Theywillreceivemoregovernmentsubsidies.B.Theymaystruggletomeetthecapitalratio.C.Theywillbeforcedtoexittherealestatemarket.D.TheywillbenefitfromCITIC'ssupport.3.Whatsectorwillbenefitfromthecentralbank'ssupport?A.Traditionalbankingservices.B.Greenfinanceandruraldevelopment.C.Overseasinvestments.D.Realestatefinancing.4.WhatdoesthepassagesuggestaboutChina'sfinancialpolicy?A.Itprioritizesrapidgrowthoverstability.B.Itbalancesriskmanagementwithsustainabledevelopment.C.Itencouragesbankstofocussolelyonurbanareas.D.Itfavorsbankswithhighassetturnover.三、完形填空（共5題，每題2分，共10分）directions:Completethepassagewiththemostappropriatewordsfromthefouroptions(A,B,C,D).ThebankingsectorinChinahasundergonesignificanttransformationsinthepastdecade,drivenbytechnologicaladvancementsandregulatoryreforms.Digitalbankinghas______(1)______thewayfinancialservicesaredelivered,allowingcustomerstoaccessaccounts,loans,andinvestmentswithease.However,thisshifthasalso______(2)______challenges,suchascybersecurityrisksandtheneedfortalentwithspecializedskillsinfintech.TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)has______(3)______guidelinestoensurethatbanksmaintainabalancebetweeninnovationandriskmanagement.Forinstance,therequirementforbankstoinvestinartificialintelligence(AI)andbigdataanalyticshas______(4)______morecompetitioninthemarket.Meanwhile,the肥西縣branchofChinaMerchantsBankhas______(5)______asaleaderinadoptingdigitalsolutionsforsmallandmedium-sizedenterprises(SMEs),demonstratingthepotentialoflocalizedbankingstrategies.1.A.revolutionizedB.simplifiedC.ignoredD.standardized2.A.createdB.eliminatedC.supportedD.reduced3.A.issuedB.delayedC.weakenedD.ignored4.A.increasedB.decreasedC.stabilizedD.eliminated5.A.emergedB.declinedC.failedD.expanded四、翻譯（共3題，每題4分，共12分）directions:TranslatethefollowingsentencesintoEnglish.1.中國(guó)銀保監(jiān)會(huì)要求銀行加強(qiáng)內(nèi)部控制，以降低系統(tǒng)性金融風(fēng)險(xiǎn)。2.隨著經(jīng)濟(jì)復(fù)蘇，肥西縣的企業(yè)貸款需求呈上升趨勢(shì)。3.中信銀行與本地政府合作，推動(dòng)綠色金融項(xiàng)目的落地。五、寫(xiě)作（共1題，10分）directions:Writeashortessay(150-200words)onthetopic:"TheImpactofFintechonTraditionalBankinginChina."答案及解析一、選詞填空1.A.forced解析：Fintech的發(fā)展迫使傳統(tǒng)銀行業(yè)必須創(chuàng)新以適應(yīng)市場(chǎng)變化。2.A.upgrade解析：提升在線服務(wù)平臺(tái)能改善客戶體驗(yàn)，符合銀行業(yè)數(shù)字化轉(zhuǎn)型趨勢(shì)。3.A.transparency解析：監(jiān)管要求銀行加強(qiáng)透明度以防范金融風(fēng)險(xiǎn)，符合中國(guó)金融政策導(dǎo)向。4.A.achieve解析：銀行設(shè)定增長(zhǎng)目標(biāo)需要通過(guò)努力實(shí)現(xiàn)，符合業(yè)務(wù)發(fā)展邏輯。5.A.driven解析：CITIC與本地銀行的合作推動(dòng)了雙方共同發(fā)展，符合大型企業(yè)與地方金融機(jī)構(gòu)的協(xié)同模式。二、閱讀理解1.B.Tostrengthenfinancialstability.解析：文章明確指出新資本充足率要求旨在增強(qiáng)金融體系韌性，即穩(wěn)定性。2.B.Theymaystruggletomeetthecapitalratio.解析：文章提到肥西縣本地銀行對(duì)房地產(chǎn)融資依賴度高，可能難以達(dá)標(biāo)。3.B.Greenfinanceandruraldevelopment.解析：中央銀行強(qiáng)調(diào)對(duì)綠色金融和鄉(xiāng)村振興的支持，符合中國(guó)政策導(dǎo)向。4.B.Itbalancesriskmanagementwithsustainabledevelopment.解析：文章同時(shí)提及資本充足率和綠色金融，反映政策兼顧風(fēng)險(xiǎn)與可持續(xù)性。三、完形填空1.A.revolutionized解析：數(shù)字技術(shù)顛覆了傳統(tǒng)金融服務(wù)模式。2.A.created解析：技術(shù)轉(zhuǎn)型帶來(lái)新的挑戰(zhàn)，如網(wǎng)絡(luò)安全問(wèn)題。3.A.issued解析：監(jiān)管機(jī)構(gòu)發(fā)布指南以規(guī)范行業(yè)發(fā)展。4.A.increased解析：AI和大數(shù)據(jù)投資加劇市場(chǎng)競(jìng)爭(zhēng)。5.A.emerged解析：肥西縣分行在中小企業(yè)數(shù)字化服務(wù)中脫穎而出。四、翻譯1.TheChinaBankingandInsuranceRegulatoryCommissionrequiresbankstostrengtheninternalcontrolstomitigatesystemicfinancialrisks.2.Witheconomicrecovery,theloandemandinFeixiCountyhasshownanupwardtrend.3.ChinaMerchantsBankhascollaboratedwithlocalgovernmentstopromotetheimplementationofgreenfinanceprojects.五、寫(xiě)作參考答案TherapidadvancementoffintechhassignificantlyreshapedthetraditionalbankinglandscapeinChina.Digitalbankingplatformshaveenabledcustomerstoperformtransactions,accessloans,andmanageinvestmentsmoreefficiently,reducingtheneedforphysicalbranches.However