中信銀行泉州市石獅市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，總計10分）題1（2分）：Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,forcinginstitutionstoadaptorriskobsolescence.A.revolutionizedB.facilitatedC.complicatedD.optimized題2（2分）：LocalSMEsinShijiazhuangoftenfacechallengesinsecuringloansdueto______creditassessmentsystems.A.inefficientB.transparentC.centralizedD.innovative題3（2分）：China'sgreenfinancepolicyaimsto______carbonemissionsbypromotingrenewableenergyinvestments.A.reduceB.offsetC.stabilizeD.eliminate題4（2分）：ThenewbranchinXiamenadoptsa______approachtocustomerservice,focusingonpersonalizedsolutions.A.standardizedB.decentralizedC.tech-drivenD.traditional題5（2分）：Regulatorycompliancerequiresbanksto______anti-moneylaundering(AML)protocolsrigorously.A.enforceB.overlookC.reviseD.ignore二、閱讀理解（共4題，每題3分，總計12分）題6（3分）：ArecentreportbythePeople'sBankofChinahighlightsthatdigitalcurrencyadoptioninruralareasremainslowduetoinfrastructuregaps.WhichofthefollowingisNOTabarriermentioned?A.LimitedinternetconnectivityB.HighmobilepenetrationC.LackoffinancialliteracyD.Insufficientgovernmentsubsidies題7（3分）：TheShenzhenStockExchangeintroducedanewlistingmechanismforgreenbonds,whichaimstoattractmoreinvestors.Whatistheprimarybenefitofthispolicy?A.ReducedtransactionfeesB.TaxincentivesforissuersC.FastermarketliquidityD.Mandatorycorporategovernancereforms題8（3分）：AcasestudyontheBankofChina’scross-borderpaymentsystemshowsthatblockchaintechnologyimprovesefficiencybutfacesregulatoryscrutiny.Whatisthemainconcern?A.CostreductionB.SecurityvulnerabilitiesC.ScalabilityissuesD.Useradoptionrates題9（3分）：TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)announcedstricterloan-to-value(LTV)ratiosforpropertydevelopers.Howdoesthisimpacttherealestatemarket?A.IncreasespropertypricesB.ReducesspeculativeinvestmentsC.BoostsmortgageapprovalsD.Encouragesforeigninvestment三、完形填空（共3題，每題4分，總計12分）題10（4分）：Fillintheblankswithappropriatewordsfromthebox(eachwordmaybeusedonceornotatall):-leverage-liquidity-derivatives-inflation-yieldTheglobalfinancialcrisisof2008exposedtherisksofexcessive______(1)inthebankingsector,particularlyininvestmentbanks.Centralbankslateremphasizedtheimportanceof______(2)managementtopreventsystemicinstability.Meanwhile,financialinstitutionsbeganexploringtheuseof______(3)forhedgingpurposes,thoughtheircomplexityoftenleadstomispricing.Inrecentyears,theriseofcryptocurrencieshassparkeddebatesaboutwhethertheycoulddisrupttraditional______(4)markets.However,mosteconomistsagreethatstablecoinswithstrongregulatoryoversightmayeventuallycontributetothe______(5)ofthedigitaleconomy.題11（4分）：Thefollowingpassageisincomplete.Choosethebestwordtofiteachblank:-fintech-correspondentbanking-shadowbanking-regulatoryarbitrage-cross-borderpaymentForsmallbusinessesincoastalcitieslikeQingdao,______(1)hasrevolutionizedtheiraccesstoworkingcapital.Unliketraditional______(2),wheretheyrelyonlargecommercialbanks,thesecompaniesnowusedigitalplatformstosecureshort-termloans.However,thisshiftalsoraisesconcernsabout______(3),asunregulatedlendersmayexploitloopholesinthesystem.Meanwhile,Chineseregulatorsareworkingonframeworkstoensurethat______(4)remainswithinlegalboundaries.Withoutproperoversight,therisksoffinancialinstabilitycouldspillovertothebroaderbankingsector.題12（4分）：Completethetextwiththemostsuitablewordsfromthelist:-sovereignwealthfunds-BaselAccords-subprimemortgages-fractionalreservebanking-leverageratiosThe2008financialcrisiswaspartlycausedbythecollapseoftheU.S.housingmarket,fueledby______(1).Priortothecrisis,manybankshadrelaxedtheir______(2),allowingexcessiverisk-taking.Today,the______(3)inemergingmarketslikeVietnamarestilldeveloping,butcountrieslikeSingaporehaveleveragedtheir______(4)todiversifyinvestmentsbeyondtraditionalassets.Thelatestversionofthe______(5)hasmandatedhighercapitaladequacyrequirementstopreventsuchcrisesfromrecurring.四、改錯題（共3題，每題5分，總計15分）題13（5分）：Correcttheerrorsinthefollowingsentence:"Theimplementationofreal-nameverificationsystemshasbeenchallengedbyprivacyconcerns,butregulatorsarguethatthesemeasuresareessentialtocombatmoneylaundering."題14（5分）：Identifyandfixthegrammaticalmistakes:"ManyChinesebanksareexploringtheuseofbigdataanalyticstoimprovecreditriskassessment,buttheaccuracyofthesemodelsdependsonthequalityofthedatainputs."題15（5分）：Revisethesentenceforclarityandcoherence:"TheriseofdigitalwalletsinChinahasledtoadecreaseincashtransactions,whichsomeeconomistsarguecouldunderminethestabilityofthefinancialsystem."五、翻譯題（共2題，每題7分，總計14分）題16（7分）：TranslatethefollowingintoEnglish:"近年來，中國銀行業(yè)在綠色信貸領(lǐng)域的創(chuàng)新顯著，例如通過發(fā)行綠色債券為可再生能源項目提供資金支持，同時加強環(huán)境風(fēng)險評估，以減少金融機構(gòu)的氣候相關(guān)風(fēng)險敞口。"題17（7分）：RenderthepassageintoChinese:"TheEuropeanCentralBank(ECB)hasintroducedadigitaleuropilotprogramtoaddressthegrowingdominanceofcryptocurrencies.Theinitiativeaimstoensurethattheeuroremainstheprimarydigitalcurrencyintheregion,whilealsotestingthefeasibilityofcentralbankdigitalcurrencies(CBDCs)."答案與解析一、選詞填空1.A(revolutionized:"顛覆"，符合金融科技對傳統(tǒng)銀行模式的沖擊。)2.A(inefficient:"低效"，指信用評估系統(tǒng)不完善。)3.A(reduce:"減少"，綠色金融的核心目標之一。)4.C(tech-driven:"技術(shù)驅(qū)動"，符合廈門分行服務(wù)模式的特點。)5.A(enforce:"執(zhí)行"，AML合規(guī)要求強制落實。)二、閱讀理解6.B(highmobilepenetration:"高移動普及率"，非障礙因素。)7.C(fastermarketliquidity:"更快的流動性"，綠色債券政策的核心目標。)8.B(securityvulnerabilities:"安全漏洞"，區(qū)塊鏈監(jiān)管的主要擔憂。)9.B(reducesspeculativeinvestments:"減少投機投資"，LTV限制抑制房地產(chǎn)泡沫。)三、完形填空10.(1)leverage,(2)liquidity,(3)derivatives,(4)inflation,(5)yield11.(1)fintech,(2)correspondentbanking,(3)regulatoryarbitrage,(4)cross-borderpayment12.(1)subprimemortgages,(2)leverageratios,(3)sovereignwealthfunds,(4)fractionalreservebanking,(5)BaselAccords四、改錯題13.修改后："Theimplementationofreal-nameverificationsystemsraisesprivacyconcerns,butregulatorsarguethatthesemeasuresareessentialtocombatmoneylaundering."（原句中“hasbeenchallenged”與“areessential”矛盾，改為并列句式。）14.修改后："Chinesebanksareexploringbigdataanalyticstoimprovecreditriskassessment,andtheaccuracyofthesemodelsdependsonthequalityofdatainputs."（原句逗號連接兩個獨立分句，改為并列連詞。）15.修改后："Theriseofdigitalwallet