中信銀行惠州市博羅縣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，總分10分）directions:Choosethebestwordtofillineachblankfromthefouroptions(A,B,C,D).1.Therapiddevelopmentoffintechhas______thebankingindustrytotransformitsservicestomeetcustomerneeds.A.forcedB.drivenC.limitedD.encouraged2.Ourcompanyvaluesinnovationandcollaboration,which______employeeengagementandproductivity.A.enhancesB.reducesC.hindersD.stabilizes3.Inthecontextofcross-bordertrade,digitalpaymentsolutions______efficiencyandreducetransactioncosts.A.promoteB.delayC.disruptD.weaken4.Thenewpolicyaimsto______financialinclusionbyexpandingaccesstobankingservicesinruralareas.A.undermineB.eliminateC.facilitateD.postpone5.Artificialintelligenceisincreasingly______inriskmanagementtodetectfraudulentactivities.A.appliedB.ignoredC.abandonedD.neglected6.Thebank’ssustainabilitygoalsincludereducingitscarbonfootprintthroughenergy-efficienttechnologies.A.minimalB.negligibleC.measurableD.invisible7.Theeconomicdownturnhas______manysmallbusinessestorestructuretheiroperations.A.compelledB.enabledC.motivatedD.hesitated8.Mobilebankingappshave______customerconveniencebyoffering24/7accesstofinancialservices.A.diminishedB.maximizedC.minimizedD.compromised9.Theregulatoryenvironmentrequiresbankstoimplementstrictcompliancemeasuresto______risks.A.mitigateB.amplifyC.ignoreD.embrace10.Themergerhas______themarketshareofbothcompanies,creatingastrongercompetitiveposition.A.consolidatedB.dilutedC.fragmentedD.marginalized二、閱讀理解（共5題，每題2分，總分10分）directions:Readthepassagebelowandanswerthequestionsthatfollow.Passage:Theriseofdigitalbankinghasrevolutionizedthewaypeoplemanagetheirfinances.Unliketraditionalbanks,digital-onlyinstitutionsoperateentirelyonline,offeringservicessuchasmobiledeposits,fundtransfers,andinvestmentoptions.Whiletheyreduceoverheadcosts,digitalbanksfacechallengesinbuildingtrustandprovidingpersonalizedcustomersupport.However,advancementsinAIandblockchaintechnologyarehelpingthemovercometheseobstacles.InregionslikeChina,wherefintechishighlydeveloped,digitalbanksarerapidlygainingpopularityamongyoungerconsumers.Thegovernment’ssupportforinnovationfurtherbooststheirgrowth.Despitecompetitionfromestablishedbanks,digital-onlyinstitutionsarepoisedtotransformthefinanciallandscapebyofferingmoreefficientanduser-friendlysolutions.1.Whatisthemaindifferencebetweendigital-onlybanksandtraditionalbanks?A.Digitalbankshavelowerfees.B.Digitalbanksoperateentirelyonline.C.Digitalbanksofferfewerservices.D.Digitalbanksareonlyforyoungpeople.2.Whatchallengesdodigitalbanksface?A.Highoverheadcosts.B.Limitedtechnologyadoption.C.Difficultyinbuildingtrust.D.Fewergovernmentincentives.3.Howaredigitalbanksaddressingtheirchallenges?A.Byincreasingbranchnetworks.B.ByleveragingAIandblockchain.C.Byraisinginterestrates.D.Byfocusingonwealthmanagement.4.Whichregionismentionedashavingstrongfintechdevelopment?A.Europe.B.NorthAmerica.C.China.D.Japan.5.Whatdoesthepassagesuggestaboutthefutureofdigitalbanks?A.Theywillreplacetraditionalbankscompletely.B.Theywilllosemarketsharetotraditionalbanks.C.Theywillfocusonhigh-net-worthclients.D.Theywillbecomelesscompetitive.三、完形填空（共10題，每題1分，總分10分）directions:Completethepassagebelowbychoosingthebestwordfromthefouroptions(A,B,C,D)foreachblank.Thebankingsectorisundergoingasignificanttransformationduetotechnologicaladvancements.(6)______,theintegrationofbigdataanalyticshasenabledbankstooffermorepersonalizedservices.Forinstance,customerscannowreceivetailoredfinancialadvicebasedontheirspendinghabits.(7)______,thishasalsoraisedconcernsaboutdataprivacy.Regulatorsarenowfocusingoncreatingstricterguidelinestoprotectconsumerinformation.(8)______,banksthatfailtocomplywiththeseregulationsrisklosingcustomertrust.(9)______,theadoptionofmobilebankinghasskyrocketed,especiallyinurbanareas.(10)______,traditionalbanksmustinnovatetostayrelevantinthisdigitalera.6.A.FirstlyB.HoweverC.MoreoverD.Consequently7.A.ThereforeB.MoreoverC.MeanwhileD.Otherwise8.A.ThusB.DespiteC.NeverthelessD.Eventually9.A.ThereforeB.AlthoughC.MeanwhileD.Incontrast10.A.EventuallyB.FurthermoreC.OtherwiseD.Moreover四、翻譯（共5題，每題2分，總分10分）directions:TranslatethefollowingsentencesintoEnglish.1.中國政府正在推動普惠金融，以幫助更多農(nóng)村居民獲得金融服務(wù)。2.隨著人工智能的發(fā)展，銀行的風(fēng)險(xiǎn)管理能力得到了顯著提升。3.數(shù)字支付方式的普及正在改變?nèi)藗兊南M(fèi)習(xí)慣。4.銀行業(yè)競爭日益激烈，傳統(tǒng)銀行需要不斷創(chuàng)新以保持優(yōu)勢。5.合規(guī)經(jīng)營是銀行穩(wěn)健發(fā)展的基礎(chǔ)。答案及解析一、選詞填空1.B.driven解析：Therapiddevelopmentoffintechhasdriventhebankingindustrytotransformitsservices.（金融科技的快速發(fā)展推動了銀行業(yè)改變其服務(wù)。）2.A.enhances解析：Ourcompanyvaluesinnovationandcollaboration,whichenhancesemployeeengagementandproductivity.（公司重視創(chuàng)新和協(xié)作，這增強(qiáng)了員工參與度和生產(chǎn)力。）3.A.promote解析：Inthecontextofcross-bordertrade,digitalpaymentsolutionspromoteefficiencyandreducetransactioncosts.（在跨境貿(mào)易背景下，數(shù)字支付解決方案提高了效率并降低了交易成本。）4.C.facilitate解析：Thenewpolicyaimstofacilitatefinancialinclusionbyexpandingaccesstobankingservicesinruralareas.（新政策旨在通過擴(kuò)大農(nóng)村地區(qū)的銀行服務(wù)覆蓋范圍來促進(jìn)普惠金融。）5.A.applied解析：Artificialintelligenceisincreasinglyappliedinriskmanagementtodetectfraudulentactivities.（人工智能越來越多地應(yīng)用于風(fēng)險(xiǎn)管理以檢測欺詐活動。）6.C.measurable解析：Thebank’ssustainabilitygoalsincludereducingitscarbonfootprintthroughenergy-efficienttechnologies.（銀行的可持續(xù)發(fā)展目標(biāo)包括通過節(jié)能技術(shù)減少碳足跡。）7.A.compelled解析：Theeconomicdownturnhascompelledmanysmallbusinessestorestructuretheiroperations.（經(jīng)濟(jì)衰退迫使許多小企業(yè)重組運(yùn)營。）8.B.maximized解析：Mobilebankingappshavemaximizedcustomerconveniencebyoffering24/7accesstofinancialservices.（移動銀行應(yīng)用程序通過提供全天候的金融服務(wù)，最大限度地提高了客戶便利性。）9.A.mitigate解析：Theregulatoryenvironmentrequiresbankstoimplementstrictcompliancemeasurestomitigaterisks.（監(jiān)管環(huán)境要求銀行實(shí)施嚴(yán)格的合規(guī)措施以降低風(fēng)險(xiǎn)。）10.A.consolidated解析：Themergerhasconsolidatedthemarketshareofbothcompanies,creatingastrongercompetitiveposition.（合并使兩家公司的市場份額整合，形成了更強(qiáng)的競爭地位。）二、閱讀理解1.B.Digitalbanksoperateentirelyonline.解析：Thepassagestatesthatdigital-onlyinstitutionsoperateentirelyonline,unliketraditionalbanks.（文章指出，純數(shù)字銀行完全在線運(yùn)營，而與傳統(tǒng)銀行不同。）2.C.Difficultyinbuildingtrust.解析：Thepassagementionsthatdigitalbanksstruggletobuildtrustandprovidepersonalizedsupport.（文章提到純數(shù)字銀行難以建立信任和提供個(gè)性化支持。）3.B.ByleveragingAIandblockchain.解析：ThepassagenotesthatadvancementsinAIandblockchaintechnologyarehelpingdigitalbanksovercomechallenges.（文章指出，人工智能和區(qū)塊鏈技術(shù)的進(jìn)步幫助純數(shù)字銀行克服挑戰(zhàn)。）4.C.China.解析：ThepassagespecificallymentionsChinaasaregionwithstrongfintechdevelopment.（文章特別提到中國是金融科技發(fā)展強(qiáng)勁的地區(qū)。）5.A.Theywillreplacetraditionalbankscompletely.解析：Thepassagesuggeststhatdigital-onlyinstitutionswilltransformthefinanciallandscape,implyingapotentialreplacementoftraditionalbanks.（文章暗示純數(shù)字銀行將改變金融格局，可能完全取代傳統(tǒng)銀行。）三、完形填空6.C.Moreover解析：Moreover,theintegrationofbigdataanalyticshasenabledbankstooffermorepersonalizedservices.（此外，大數(shù)據(jù)分析的應(yīng)用使銀行能夠提供更個(gè)性化的服務(wù)。）7.C.Meanwhile解析：Meanwhile,thishasalsoraisedconcernsaboutdataprivacy.（與此同時(shí)，這也引發(fā)了數(shù)據(jù)隱私的擔(dān)憂。）8.B.Despite解析：Despite,banksthatfailtocomplywiththeseregulationsrisklosingcustomertrust.（盡管如此，未