中信銀行福州市福清市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）1.Therapiddevelopmentoffintechhas__________traditionalbankingoperations,requiringfinancialinstitutionstoadaptquicklytonewmarket__________.A.revolutionized/dynamicsB.transformed/trendsC.innovated/challengesD.disrupted/opportunities2.To__________theincreasingcompetitioninthelocalmarket,thebranchplanstoenhanceitsdigitalservice__________andcustomerengagementstrategies.A.mitigate/platformsB.enhance/channelsC.counter/initiativesD.foster/mechanisms3.Thenewanti-moneylaunderingpolicyaimsto__________financialcrimesby__________transactionmonitoringsystemsmoreefficiently.A.deter/optimizingB.prevent/integratingC.combat/strengtheningD.reduce/modernizing4.Thebank’ssustainabilityreporthighlightsitscommitmentto__________carbonemissionsandpromotingeco-friendlybusiness__________.A.reducing/practicesB.minimizing/operationsC.controlling/frameworksD.mitigating/policies5.Thelocaleconomicrecoveryrequiresmorecollaborativeeffortsbetweenthebankand__________to__________creditflowtosmallandmedium-sizedenterprises.A.government/facilitatingB.enterprises/ensuringC.regulators/optimizingD.communities/stabilizing二、閱讀理解（共3題，每題3分，共9分）Passage1Theriseofdigitalbankinghasreshapedcustomerexpectations,withconvenienceandpersonalizationbecomingkeydriversofchoice.Traditionalbanksin福建(Fujian)arefacingpressuretodigitizetheirservicestoremaincompetitive.TheFujianProvincialBankrecentlylaunchedanAI-poweredmobileapp,enablingreal-timefinancialadviceandautomatedwealthmanagement.However,challengesremain,suchasensuringdatasecurityandbridgingthedigitaldivideamongruralcustomers.Questions:1.WhatisthemainchallengefortraditionalbanksinFujianregardingdigitaltransformation?A.HighcostsoftechnologyupgradesB.LackofskilledpersonnelC.BridgingthedigitaldivideD.Regulatorycompliance2.HowdoestheAI-poweredmobileappbenefitcustomers?A.Offersinterest-freeloansB.Providesreal-timefinancialadviceC.ReducesbankingfeesC.Enablescashlesstransactions3.WhatdoesthepassagesuggestaboutthefutureofbankinginFujian?A.DigitalserviceswillreplacetraditionalbranchescompletelyB.TraditionalbankswilldominatethemarketdespitedigitizationC.CollaborationbetweenbanksandlocalgovernmentswillincreaseD.PersonalizedserviceswillbecomelessimportantPassage2Fujian’seconomyisincreasinglyreliantonsmallandmedium-sizedenterprises(SMEs),whichcontributeover60%oftheregion’sGDP.However,SMEsoftenstrugglewithlimitedaccesstocreditduetoinadequatecollateral.TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasintroducednewguidelinestostreamlinelendingprocessesforSMEs,includingloweringequityrequirementsandencouragingbankstousebigdataforriskassessment.Thesemeasuresaimtostimulateeconomicgrowthwhilereducingfinancialrisks.Questions:1.WhatistheprimaryissuefacedbySMEsinFujian?A.HighoperatingcostsB.LimitedaccesstocreditC.RegulatoryhurdlesD.Lowprofitability2.HowdoestheCBIRC’snewguidelinehelpSMEs?A.ProvidesdirectfundingfromthegovernmentB.ReducescollateralrequirementsC.IncreasesinterestratesD.Mandatesdebtrepaymentplans3.Whatistheoverallgoaloftheseregulatorymeasures?A.TominimizebanklossesB.TopromoteeconomicgrowthC.TostrengthenfinancialsupervisionD.ToencourageforeigninvestmentPassage3SustainabilityhasbecomeacriticalfocusforthebankingsectorinChina,withregulatorsurginginstitutionstoaligntheirbusinessmodelswithenvironmental,social,andgovernance(ESG)principles.TheBankofFujianhascommittedtoreducingitscarbonfootprintby50%by2030,primarilythroughrenewableenergyinvestmentsandgreenfinancinginitiatives.Thisshiftreflectsbroadertrendsintheindustry,asconsumersandinvestorsincreasinglyprioritizesustainableoptions.However,balancingprofitabilitywithsustainabilityremainsachallengeformanybanks.Questions:1.WhatistheprimarydriverbehindtheshifttowardESGinbanking?A.GovernmentmandatesB.ConsumerdemandC.ProfitabilityconcernsD.Technologicaladvancements2.HowdoestheBankofFujianplantoachieveitscarbonreduction目標(biāo)?A.Byimposinghighertaxesonnon-renewableenergyB.ThroughrenewableenergyinvestmentsC.ByreducingbranchoperationsD.Byofferingsubsidiestocustomers3.Whatchallengedobanksfaceinadoptingsustainablepractices?A.HighcostsofgreeninitiativesB.LackofcustomerinterestC.RegulatoryresistanceD.Insufficientskilledworkforce三、完形填空（共4題，每題2分，共8分）ThebankingsectorinFujianhasundergonesignificantchangesinrecentyears,drivenbytechnologicaladvancementsandevolvingmarketdemands.Withthe__________ofdigitalplatforms,traditionalbankshavehadto__________theirservicemodelstoremainrelevant.TheFujianProvincialBank,forinstance,has__________itsmobileapptoincludeAI-drivenfinancialplanningtools,enablingcustomerstomakemoreinformedinvestmentdecisions.However,the__________ofcyberthreatshasalsoincreased,requiringbankstoinvestheavilyincybersecuritymeasures.1.A.rise/adaptB.decline/innovateC.growth/revampD.fall/transform2.A.modernized/challengesB.digitized/opportunitiesC.simplified/risksD.customized/demands3.A.enhanced/operationsB.launched/strategiesC.upgraded/servicesD.introduced/initiatives4.A.threat/solutionsB.risk/measuresC.demand/plansD.challenge/strategies四、翻譯（共2題，每題4分，共8分）1.Thebank’snewpolicyemphasizestheimportanceofriskmanagementinensuringlong-termfinancialstability.（請翻譯成中文）2.Tobetterservethelocalcommunity,thebranchplanstoexpanditsbusinesshoursandintroducemorepersonalizedfinancialservices.（請翻譯成英文）答案與解析一、選詞填空1.B."Transformed"fitsthecontextoffintechchangingtraditionalbanking,and"trends"alignswithmarketdynamics.2.C."Counter"impliesaddressingcompetition,and"initiatives"referstoproactivestrategies.3.A."Deter"suggestsdiscouragingcrimes,and"optimizing"matchesefficientsystemimprovement.4.A."Reducing"alignswithsustainabilitygoals,and"practices"reflectseco-friendlybusinessoperations.5.A."Government"partnerswithbankstofacilitatecreditflow,and"facilitating"matchesthepurpose.二、閱讀理解Passage11.C.Thepassagementionsruralcustomersasadigitaldividechallenge.2.B.Real-timefinancialadviceisexplicitlystatedasabenefit.3.C.Collaborati