中信銀行臨沂市河?xùn)|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，共10分）說明：從下列選項(xiàng)中選出最適合填入空白處的單詞，并用字母標(biāo)出。1.Thenewfinancialregulationsrequirebankstoenhancetheir__________incombatingmoneylaundering.A.efficiencyB.effectivenessC.expectancyD.equipment2.AsaninternatCITICBank,youneedtoimproveyour__________indataanalysistosupportloanapplications.A.capabilityB.abilityC.abilityD.ability3.Theeconomicdownturnhas__________thegrowthofsmallandmedium-sizedenterprisesinShandong.A.acceleratedB.deceleratedC.acceleratedD.decelerated4.Ourteamis__________tolaunchamobilebankingapptailoredfortheruralmarketinLinyi.A.committedB.commitC.committingD.commitment5.Thebank’sdigitaltransformationstrategyaimsto__________customerserviceefficiency.A.maximizeB.minimizeC.maximizeD.minimize6.Theloanofficeremphasizedtheimportanceof__________creditriskduringtheassessmentprocess.A.mitigatingB.mitigatingC.mitigatingD.mitigating7.Theannualfinancialreporthighlightsthebank’seffortsto__________environmentalsustainability.A.promoteB.promoteC.promoteD.promote8.Thebranchmanageris__________abouttheupcomingmergerwithanotherlocalbank.A.positiveB.positivelyC.positivityD.positive9.Thecustomerservicepolicyrequiresemployeestomaintain__________atalltimes.A.professionalismB.professionalC.professionallyD.professionalism10.Thebank’sriskmanagementframeworkisdesignedto__________potentialfinanciallosses.A.mitigateB.mitigateC.mitigateD.mitigate二、閱讀理解（共5題，每題2分，共10分）說明：閱讀以下短文，然后根據(jù)每題的要求選擇最佳答案。Passage:TherapiddevelopmentoffintechhastransformedthebankingindustryinChina.TraditionalbankslikeCITICBankareincreasinglyadoptingdigitaltechnologiestoimproveserviceefficiencyandcustomerexperience.Forinstance,thebankhasintroducedanAI-poweredloanapprovalsystem,whichsignificantlyreducesprocessingtimewhilemaintainingstrictriskcontrol.Additionally,mobilebankingappsnowofferfeatureslikereal-timefinancialadviceandautomatedinvestmentmanagement,cateringtothegrowingdemandforpersonalizedbankingservices.However,challengesremain,suchasdatasecurityconcernsandtheneedtobridgethedigitaldivideinruralareas.Toaddresstheseissues,thebankiscollaboratingwithlocalgovernmentsinShandongandotherprovincestopromotefinancialliteracyandexpanddigitalinfrastructure.1.Whatisthemainfocusofthepassage?A.Theimpactoffintechontraditionalbanking.B.Thechallengesofruralfinancialdevelopment.C.TheroleofAIinloanapprovalsystems.D.Thegovernment’sinitiativesinShandong.2.Accordingtothepassage,howhasCITICBankadaptedtofintechtrends?A.Bymergingwithanotherlocalbank.B.Byintroducingdigitalbankingservices.C.Byfocusingonruralmarkets.D.Byenhancingphysicalbranchoperations.3.Whatremainsachallengeforthebankingindustry?A.Highprocessingcosts.B.Datasecurityrisks.C.Urbanization.D.Customersatisfaction.4.Howdoesthebankplantoaddressthedigitaldivide?A.Byincreasingbranchopenings.B.Byofferingofflinefinancialservices.C.Bycollaboratingwithlocalgovernments.D.Bylaunchingmoreapps.5.Whatfeatureofmobilebankingappsismentionedinthepassage?A.Multi-languagesupport.B.Automatedinvestmentmanagement.C.Cashwithdrawalservices.D.Freecreditscoring.三、完形填空（共10題，每題1分，共10分）說明：閱讀以下短文，根據(jù)上下文選擇最佳答案。Lastyear,theeconomicsituationinLinyifacedseveralchallengesduetotheglobaltradetensions.Manylocalbusinesses,especiallysmallandmedium-sizedenterprises(SMEs),struggledwithreducedordersandtightcashflow.However,CITICBanktookproactivemeasurestosupportthesebusinesses.Thebankintroducedaspecialloanprogramwithlowerinterestratesandstreamlinedapprovalprocessestoalleviatetheirfinancialpressure.Additionally,thebankorganizedworkshopstohelpSMEownersimprovetheirfinancialmanagementskills.Theseinitiativesnotonlyboostedbusinessconfidencebutalsostrengthenedthebank’sreputationasareliablefinancialpartner.Asaresult,thenumberofSMEclientsincreasedby15%inthefirstquarterofthisyear,demonstratingtheeffectivenessofthebank’ssupportstrategy.6.WhatwasthemaineconomicissueinLinyilastyear?A.Highinflation.B.Lowunemployment.C.Reducedbusinessactivity.D.Increasedgovernmentspending.7.HowdidSMEsinLinyibenefitfromCITICBank’sprograms?A.Theyreceivedfreebusinesstraining.B.Theygainedtaxexemptions.C.Theyaccessedaffordableloans.D.Theywereofferedgovernmentsubsidies.8.WhatdidthebankdotoassistSMEowners?A.Providedfreeofficespace.B.Organizedfinancialworkshops.C.Guaranteedloanapprovals.D.Offeredstockmarketadvice.9.Whatwastheoutcomeofthebank’sinitiatives?A.Adeclineinclientnumbers.B.Nosignificantchangeinbusinessactivity.C.AnincreaseinSMEclients.D.Higherloanrejectionrates.10.WhatdoesthepassagesuggestaboutCITICBank’sstrategy?A.Itfocusessolelyonlargecorporations.B.Itprioritizescommunityeconomicdevelopment.C.Itislesscompetitivethanotherbanks.D.Itavoidsfinancialriskmanagement.四、翻譯（共5題，每題2分，共10分）說明：將下列中文句子翻譯成英文。1.中國(guó)的銀行業(yè)正在經(jīng)歷數(shù)字化轉(zhuǎn)型，這要求銀行提高風(fēng)險(xiǎn)管理能力。2.作為一名銀行實(shí)習(xí)生，你需要掌握數(shù)據(jù)分析技能，以支持信貸審批工作。3.為了應(yīng)對(duì)經(jīng)濟(jì)下行壓力，政府出臺(tái)了一系列刺激政策。4.中信銀行計(jì)劃在臨沂市河?xùn)|區(qū)的核心商圈開設(shè)新分行，以擴(kuò)大市場(chǎng)份額。5.銀行員工應(yīng)始終以專業(yè)態(tài)度對(duì)待客戶，確保服務(wù)質(zhì)量。五、寫作（共1題，共10分）說明：根據(jù)以下題目，寫一篇150-200字的短文。Topic:DescribetheimportanceofdigitalbankingforruraleconomiesinChina.Provideexamplesofhowbankscansupportruraldevelopmentthroughtechnology.答案及解析一、選詞填空1.B.effectiveness解析：句意強(qiáng)調(diào)銀行在反洗錢方面的實(shí)際效果，故選effectiveness（有效性）。2.A.capability解析：句意指銀行需要提升處理數(shù)據(jù)分析的能力，capability（能力）更符合語境。3.B.decelerated解析：經(jīng)濟(jì)下行會(huì)減緩中小企業(yè)增長(zhǎng)，decelerated（減速）符合句意。4.A.committed解析：動(dòng)詞形式，表示團(tuán)隊(duì)決心推出新應(yīng)用，故選committed（承諾）。5.A.maximize解析：銀行旨在提升效率，maximize（最大化）更合適。6.A.mitigating解析：強(qiáng)調(diào)減輕信用風(fēng)險(xiǎn)，mitigating（減輕）符合銀行業(yè)務(wù)需求。7.A.promote解析：銀行努力推動(dòng)可持續(xù)發(fā)展，promote（促進(jìn)）正確。8.A.positive解析：形容詞，表示對(duì)合并持積極態(tài)度，positive（積極的）符合句意。9.A.professionalism解析：要求員工保持職業(yè)素養(yǎng)，professionality（專業(yè)性）正確。10.A.mitigate解析：風(fēng)險(xiǎn)管理體系旨在減少損失，mitigate（減輕）符合語境。二、閱讀理解1.A.Theimpactoffintechontraditionalbanking.解析：全文圍繞金融科技對(duì)銀行業(yè)的影響展開。2.B.Byintroducingdigitalbankingservices.解析：文中提到AI貸款系統(tǒng)和移動(dòng)銀行應(yīng)用等數(shù)字化舉措。3.B.Datasecurityrisks.解析：文中明確指出數(shù)據(jù)安全是行業(yè)挑戰(zhàn)之一。4.C.Bycollaboratingwithlocalgovernments.解析：銀行與地方政府合作解決數(shù)字鴻溝問題。5.B.Automatedinvestmentmanagement.解析：文中提到移動(dòng)銀行應(yīng)用提供自動(dòng)投資管理功能。三、完形填空6.C.Reducedbusinessactivity.解析：全球貿(mào)易緊張導(dǎo)致當(dāng)?shù)仄髽I(yè)訂單減少。7.C.Theyaccessedaffordableloans.解析：銀行推出低息貸款計(jì)劃緩解企業(yè)資金壓力。8.B.Organizedfinancialworkshops.解析：文中提到銀行組織財(cái)務(wù)管理工作坊。9.C.AnincreaseinSMEclients.解析：短文末尾提到SME客戶數(shù)量增長(zhǎng)15%。10.B.Itprioritizescommunityeconomicdevelopment.解析：銀行支持中小企業(yè)發(fā)展，體現(xiàn)社區(qū)經(jīng)濟(jì)發(fā)展理念。四、翻譯1.ThebankingsectorinChinaisundergoingdigitaltransformation,whichrequiresbankstoenhancetheirriskmanagementcapabilities.2.Asaninternatabank,youneedtomasterdataanalysisskillstosupportloanapprovalprocesses.3.Tocopewithdownwardeconomicpressure,thegovernmenthasintroducedaseriesofstimuluspolicies.4.CITICBankplanstoopenanewbranchinthecorebusinessdistrictofHebeiDistrict,Linyi,toexpanditsmarketshare.5.Bankemployeesshouldalwaysmaintainaprofessionalattitudetowardcustomers