中信銀行襄陽市棗陽市2025秋招筆試英文行測高頻題含答案第一部分：選詞填空（共5題，每題2分，共10分）題目：閱讀以下段落，從每題選項中選擇最合適的單詞填入空格，使句子意思完整、準(zhǔn)確。1.Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringfinancialinstitutionstoadaptquicklytonewtechnologies.A.revolutionizedB.standardizedC.complicatedD.modernized2.Toenhancecustomersatisfaction,thebankplansto______digitalservices,includingmobilebankingappsandonlinepaymentsolutions.A.eliminateB.expandC.restrictD.postpone3.Theeconomicdownturnhas______loanapplications,forcingthecreditdepartmenttotightenapprovalcriteria.A.increasedB.decreasedC.delayedD.diversified4.Thebranchmanageremphasizedtheimportanceof______compliancetoavoidlegalpenaltiesandreputationaldamage.A.regulatoryB.operationalC.financialD.environmental5.Artificialintelligenceisexpectedto______frauddetectionbyanalyzingtransactionpatternsinrealtime.A.improveB.ignoreC.weakenD.replace第二部分：閱讀理解（共5題，每題3分，共15分）題目：閱讀以下短文，回答問題。Passage:Theriseofdigitalbankinghastransformedhowconsumersinteractwithfinancialservices.Unliketraditionalbanks,whichrelyheavilyonphysicalbranches,digital-onlybanksoffer24/7accesstoaccounts,instanttransfers,andfee-freetransactions.However,thisshifthasraisedconcernsaboutdatasecurityandcustomerservicequality.Whilemanycustomersappreciatetheconvenience,othersarguethatdigitalbankslackthepersonalizedsupportofbrick-and-mortarinstitutions.Regulatorsarenowtaskedwithbalancinginnovationwithconsumerprotectiontoensuretheindustryremainstrustworthy.6.Whatisthemaindifferencebetweendigital-onlybanksandtraditionalbanks?A.Digitalbankshavemorebranches.B.Traditionalbanksofferfee-freetransactions.C.Digitalbanksprovide24/7serviceswithoutphysicalbranches.D.Traditionalbanksaremoresecure.7.Accordingtothepassage,whatisamajorconcernaboutdigitalbanking?A.HighfeesB.DatasecurityandcustomerserviceC.LimitedaccountoptionsD.Fewerjobopportunities8.Whydosomecustomersprefertraditionalbanksoverdigital-onlybanks?A.BecausetraditionalbankshavemoreATMs.B.Becausetraditionalbanksofferbetterinterestrates.C.Becausetraditionalbanksprovidepersonalizedsupport.D.Becausetraditionalbanksarefaster.9.Whatroledoregulatorsplayinthedigitalbankingindustry?A.Theyencouragecompetitionbetweenbanks.B.Theyfocusonlyontaxcollection.C.Theybalanceinnovationwithconsumerprotection.D.Theylimitthenumberofdigitalbanks.10.Whatdoesthepassagesuggestaboutthefutureofbanking?A.Digitalbankswillreplacealltraditionalbanks.B.Theindustrywillcontinuetoevolvewithnewregulations.C.Physicalbrancheswillbecomeobsolete.D.Customerpreferenceswillremainunchanged.第三部分：語法填空（共5題，每題2分，共10分）題目：根據(jù)句子意思和所給提示詞，用正確的形式填空。1.Thebank______(implement)anewpolicytoreducepaperworknextmonth.2.Customerswho______(miss)thedeadlinewillnotreceivetheearly-birddiscount.3.Ourteamneedsto______(ensure)thatalltransactions______(comply)withthelatestanti-moneylaunderingrules.4.Iftheeconomicsituation______(worsen),thebankmightneedtoadjustitslendingrates.5.Themanageraskediftheemployees______(attend)themandatorytrainingsessionlastweek.第四部分：完形填空（共5題，每題2分，共10分）題目：閱讀以下短文，選擇最合適的選項填入空格。Lastyear,ourbranchinXiangyangfacedasignificantchallengeduetotheCOVID-19pandemic.Manycustomerswerehesitanttovisitphysicallocations,fearingexposuretothevirus.Toaddressthis,we______(1)______digitalbankingtools,suchasmobileappenhancementsandonlinecustomersupport.Surprisingly,thesemeasuresnotonlyincreasedengagementbutalsoreducedoperationalcosts.Now,thebranchisthriving,withagrowingnumberofclientspreferringcontactlessservices.Thisexperiencehighlightstheimportanceof______(2)______tochangingcustomerbehaviorandembracingtechnologicalinnovation.1.A.introducedB.ignoredC.expandedD.reduced2.A.adaptingB.resistingC.ignoringD.delaying第五部分：翻譯（共5題，每題2分，共10分）題目：將以下中文句子翻譯成英文。1.中國信合銀行棗陽分行計劃在2025年推出新的綠色金融產(chǎn)品。2.為了提升客戶體驗，銀行正在優(yōu)化其網(wǎng)上銀行平臺。3.鑒于當(dāng)前經(jīng)濟形勢，信貸部門將加強對高風(fēng)險貸款的審查。4.銀行鼓勵員工參加職業(yè)培訓(xùn)，以適應(yīng)金融科技的發(fā)展。5.新的反洗錢法規(guī)要求金融機構(gòu)提高客戶身份驗證的嚴格性。答案與解析第一部分：選詞填空1.A.revolutionized解析：fintech（金融科技）的快速發(fā)展徹底改變了傳統(tǒng)銀行模式，故用revolutionized（使……革命化）。2.B.expand解析：銀行計劃擴展數(shù)字服務(wù)以提升客戶滿意度，expand（擴展）符合語境。3.B.decreased解析：經(jīng)濟下行導(dǎo)致貸款申請減少，decreased（減少）正確。4.A.regulatory解析：強調(diào)合規(guī)的重要性以避免法律風(fēng)險，regulatory（監(jiān)管的）最貼切。5.A.improve解析：AI通過分析交易模式提升欺詐檢測能力，improve（改進）最合適。第二部分：閱讀理解6.C.Digitalbanksprovide24/7serviceswithoutphysicalbranches.解析：原文明確指出數(shù)字銀行無實體網(wǎng)點且提供全天候服務(wù)。7.B.Datasecurityandcustomerservice解析：原文提到“datasecurityandcustomerservice”是主要擔(dān)憂。8.C.Becausetraditionalbanksprovidepersonalizedsupport.解析：原文指出部分客戶認為傳統(tǒng)銀行提供個性化支持。9.C.Theybalanceinnovationwithconsumerprotection.解析：監(jiān)管機構(gòu)需平衡創(chuàng)新與消費者保護。10.B.Theindustrywillcontinuetoevolvewithnewregulations.解析：原文暗示銀行業(yè)將在新監(jiān)管下持續(xù)發(fā)展。第三部分：語法填空1.willimplement解析：nextmonth（未來時間）用一般將來時。2.miss解析：who引導(dǎo)定語從句，動詞原形作從句謂語。3.toensure,comply解析：ensure后接動詞不定式，complywith（遵守）固定搭配。4.worsens解析：if引導(dǎo)條件狀語從句，主語situation是單數(shù)，用一般現(xiàn)在時。5.hadattended解析：askedif引導(dǎo)賓語從句，從句用過去完成時。第四部分：完形填空1.A.introduced解析：branch采取行動推廣數(shù)字工具，introduced（引入）符合語境。2.A.adapting解析：highlighttheimportanceofadapting（強調(diào)適應(yīng)的重要性）邏輯通順。第五部分：翻譯1.ChinaCITICBankZaoyangBranchplanstolaunchnewgreenfinancialproductsin2025.2.Toenhancecustomerexperience,thebankisoptimizingitsonlinebankingplatform.3.Giventhecurrenteconomicsituation,thecreditdepartmentwillstrengthenthereviewofhig