中信銀行嘉興市桐鄉(xiāng)市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）背景提示：題目涉及銀行業(yè)務(wù)、金融科技、桐鄉(xiāng)本地經(jīng)濟(jì)發(fā)展等內(nèi)容。1.Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringfinancialinstitutionstoadaptquicklytonewtechnologies.A.revolutionizedB.optimizedC.substitutedD.standardized2.LocalbusinessesinTongxianghaveseenasignificantincreaseindigitalpayments,which______consumerspendingefficiency.A.facilitatesB.diminishesC.complicatesD.delays3.Thebank’sAI-drivenriskassessmentsystemhelps______potentialfraudcasesbyanalyzingtransactionpatterns.A.identifyB.accumulateC.ignoreD.minimize4.Topromotegreenfinance,thebankhaslaunchedseveral______tosupportrenewableenergyprojectsinZhejiang.A.initiativesB.regulationsC.penaltiesD.policies5.TheeconomicrecoveryintheYangtzeRiverDeltaregionhas______thedemandforcross-borderbankingservices.A.surgedB.declinedC.stabilizedD.fluctuated二、閱讀理解（共4題，每題3分，共12分）背景提示：文章節(jié)選自2023年中國銀行業(yè)數(shù)字化轉(zhuǎn)型報(bào)告及桐鄉(xiāng)市經(jīng)濟(jì)發(fā)展白皮書。Passage:Thedigitaltransformationofthebankingsectorhasbeenacceleratedbytechnologicaladvancementssuchasartificialintelligence,blockchain,andbigdataanalytics.InregionslikeTongxiang,acityknownforitsstrongmanufacturingbase,banksareincreasinglyintegratingdigitalsolutionstoimprovecustomerserviceandoperationalefficiency.Forinstance,theChinaCITICBankhasintroducedamobilebankingappthatallowsreal-timecross-bordertransactions,cateringtothegrowingdemandfromlocalSMEsengagedininternationaltrade.However,challengesremain,includingcybersecurityrisksandtheneedforskilledprofessionalsindigitalfinance.6.Whatisthemainfocusofthepassage?A.TheeconomicgrowthofTongxiang.B.Theimpactoffintechonbanking.C.ThechallengesofdigitalbankinginChina.D.TheroleofSMEsintheYangtzeRiverDelta.7.Accordingtothepassage,whichtechnologyismostrelevanttoTongxiang’sbankingsector?A.BlockchainB.CloudcomputingC.ArtificialintelligenceD.Cybersecurity8.Whatdoesthepassagesuggestaboutthefutureofcross-borderbankinginTongxiang?A.Itwilldeclineduetoregulatoryconstraints.B.Itwillgrowwiththeriseofdigitalbanking.C.Itwillremainstablewithoutsignificantchanges.D.Itwillbedominatedbyforeignbanks.9.Whatisakeychallengementionedinthepassage?A.LowcustomersatisfactionB.LackofskilledprofessionalsC.HightransactionfeesD.Limitedmobilebankingservices三、語法填空（共5題，每題2分，共10分）背景提示：句子與銀行業(yè)務(wù)、金融監(jiān)管、區(qū)域經(jīng)濟(jì)相關(guān)。10.Despitetheeconomic______,thebank’sprofitshaveshownsteadygrowthinthepastfiveyears.11.TheFinancialRegulatoryCommissionrequiresbankstomaintainaminimum______of10%onloanportfolios.12.Many桐鄉(xiāng)enterprisesareseeking______financingtoexpandtheirproductionfacilities.13.Theinterestratefluctuationshave______thebank’sabilitytopredictlong-termreturns.14.Underthenew______,banksmustenhancetransparencyintheirfinancialreporting.四、完形填空（共5題，每題2分，共10分）背景提示：文章講述中國銀行業(yè)如何應(yīng)對全球經(jīng)濟(jì)變化，結(jié)合桐鄉(xiāng)本地案例。Theglobaleconomiclandscapeisevolvingrapidly,andChinesebanksmust______(15)tothesechangestoremaincompetitive.InTongxiang,acitywithagrowingindustrialbase,bankshavebeen______(16)digitalinitiativestosupportlocalbusinesses.Forexample,theChinaCITICBankhaslaunchedaspecializedloanprogramforSMEs,whichhas______(17)theiraccesstocapital.However,banksalsofacechallenges,suchasrisinginterestratesandincreasedcompetitionfromforeignfinancialinstitutions.To______(18)thesepressures,banksneedtoimprovetheirriskmanagementsystemsandinvestintalentdevelopment.Additionally,collaborationwithlocalgovernmentscanhelp______(19)favorablepoliciesforfinancialinnovation.15.A.adaptB.ignoreC.opposeD.neglect16.A.implementingB.ignoringC.delayingD.expanding17.A.improvedB.complicatedC.limitedD.reduced18.A.addressB.ignoreC.enhanceD.minimize19.A.establishB.weakenC.eliminateD.maintain五、翻譯填空（共5題，每題2分，共10分）背景提示：將英文句子翻譯成流暢的中文，內(nèi)容涉及銀行業(yè)務(wù)流程。20.Thebankprovidesa______rangeoffinancialproductstomeetthediverseneedsofitsclients.→銀行提供一系列______產(chǎn)品，以滿足客戶的多樣化需求。21.Interestrateswapsarecommonlyusedto______theriskofcurrencyfluctuations.→利率互換通常用于______匯率波動(dòng)的風(fēng)險(xiǎn)。22.Theregulatoryauthoritymandatesthatbanksconductregularstressteststo______systemicrisks.→監(jiān)管機(jī)構(gòu)要求銀行定期進(jìn)行壓力測試，以______系統(tǒng)性風(fēng)險(xiǎn)。23.Thedigitalwalletintegrateswiththebank’scoresystemto______paymenttransactionsefficiently.→數(shù)字錢包與銀行核心系統(tǒng)整合，以______高效處理支付交易。24.Thebank’scompliancedepartmentensuresthatalloperationsadheretothe______financialregulations.→銀行的合規(guī)部門確保所有業(yè)務(wù)符合______金融監(jiān)管要求。答案與解析一、選詞填空1.A.revolutionized（金融科技徹底改變了傳統(tǒng)銀行模式）2.A.facilitates（數(shù)字支付提高了消費(fèi)者支出效率）3.A.identify（AI系統(tǒng)能識(shí)別潛在欺詐案例）4.A.initiatives（銀行已推出多項(xiàng)舉措支持綠色能源項(xiàng)目）5.A.surged（長三角經(jīng)濟(jì)復(fù)蘇推動(dòng)了跨境銀行業(yè)務(wù)需求）二、閱讀理解6.B.Theimpactoffintechonbanking（文章重點(diǎn)討論金融科技對銀行業(yè)的影響）7.C.Artificialintelligence（人工智能對桐鄉(xiāng)銀行業(yè)尤為重要）8.B.Itwillgrowwiththeriseofdigitalbanking（數(shù)字銀行業(yè)發(fā)展將推動(dòng)跨境業(yè)務(wù)增長）9.B.Lackofskilledprofessionals（文章提到缺乏數(shù)字金融人才是主要挑戰(zhàn)）三、語法填空10.downturn（經(jīng)濟(jì)下行）11.liquidity（貸款組合的流動(dòng)性要求）12.venture（風(fēng)險(xiǎn)融資）13.hampered（利率波動(dòng)影響了銀行預(yù)測長期收益的能力）14.fram