中信銀行深圳市羅湖區(qū)2025秋招筆試英文行測高頻題含答案1.選詞填空（共5題，每題2分，共10分）題目：1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoinnovateandadapttonewmarketdemands.A.forcedB.encouragedC.limitedD.supported2.InthecontextofChina'sfinancialregulatoryframework,the______ofcross-borderpaymentsystemsremainsakeychallengeforbankslikeCITICBank.A.integrationB.decentralizationC.diversificationD.standardization3.TheeconomicpoliciesimplementedbytheGuangdongProvincialGovernmentaimto______thedigitaltransformationofsmallandmedium-sizedenterprises(SMEs)inShenzhen.A.hinderB.facilitateC.suppressD.neglect4.Aspartofitssustainablebankingstrategy,CITICBankhascommittedto______carbonemissionsby2030.A.reducingB.increasingC.transferringD.ignoring5.The______betweencybersecurityandfinancialinclusionisincreasinglyevidentintheregulatoryreformsofthePeople'sBankofChina.A.conflictB.synergyC.contradictionD.indifference2.語句排序（共3題，每題3分，共9分）題目：1.Arrangethefollowingsentencestoformacoherentparagraph:(①)TheintegrationofAIinbankinghasimprovedriskmanagementefficiency.(②)However,italsoraisesconcernsaboutdataprivacy.(③)FinancialinstitutionsinShenzhenareleadingthistrend.(④)Byleveragingmachinelearning,bankscandetectfraudinreal-time.(⑤)Thistechnologyhasbecomeacornerstoneofmodernbanking.2.Rearrangethesentencestocreatealogicalflow:(①)The羅湖區(qū)(LuohuDistrict)governmenthasintroducedincentivesforgreenfinance.(②)ThisinitiativealignswithChina'scarbonneutralitygoals.(③)CITICBankhaslaunchedseveraleco-friendlyloanproductstosupporttheseefforts.(④)LocalSMEshavebenefitedsignificantlyfromtheseprograms.(⑤)Thecollaborationbetweenthebankandthedistricthassetaprecedentforotherregions.3.Orderthesentencesforaclearargument:(①)Blockchaintechnologyofferstransparencyandsecurityintransactions.(②)Itsadoptionincross-borderpaymentsisstillinitsearlystages.(③)However,regulatorybarriersremainamajorobstacle.(④)Thecentralbankhasissuedguidelinestopromoteitssafeuse.(⑤)Thiscouldrevolutionizethewayinternationaltradeisconducted.3.閱讀理解（共4題，每題4分，共16分）題目：Passage1:TherapiddigitizationofthefinancialsectorinChinahasreshapedthebankinglandscape.TraditionalinstitutionslikeCITICBankareincreasinglyadoptingmobile-firststrategiestoretaincustomers,especiallyintech-drivenhubslikeShenzhen.AccordingtoareportbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC),digitalbankingplatformsaccountedforover60%ofretailtransactionsinmajorcitiesin2024.However,challengespersist,suchasensuringdatasecurityandbridgingthedigitaldividebetweenurbanandruralareas.The羅湖區(qū)(LuohuDistrict)governmenthaspartneredwithbankstopromotefinancialliteracyamongsmallbusinesses,recognizingthatdigitalinclusioniskeytoeconomicgrowth.1.Whatistheprimaryfocusofthepassage?A.Thedeclineoftraditionalbanking.B.Theimpactoffintechonretailtransactions.C.GovernmentinitiativestosupportSMEs.D.Thechallengesofdigitalbankinginruralareas.2.Accordingtothepassage,whichregionishighlightedasaleaderinfinancialdigitization?A.BeijingB.ShanghaiC.ShenzhenD.Guangzhou3.Whatdoesthepassagesuggestisamajorobstacletodigitalbanking?A.Highcostsoftechnologyadoption.B.Regulatorybarriers.C.Lackofcustomertrust.D.Insufficientgovernmentsupport.4.Thephrase"digitaldivide"inthepassagerefersto:A.Thegapbetweenrichandpoorindigitalaccess.B.Thedifferencebetweenmobileanddesktopbanking.C.Thedisparityinfintechadoptionbetweencitiesandruralareas.D.Thecontrastbetweentraditionalanddigitalbankingsystems.Passage2:Cross-borderpaymentsystemsinChinahaveseensignificantimprovementsbutstillfacehurdles.TheChinaInternationalCapitalCorporation(CICC)andotherfinancialinstitutionshaveintroducedblockchain-basedsolutionstostreamlinetransactions,reducingrelianceonSWIFT.However,theU.S.Treasury'ssanctionsonChinesebankshavecomplicatedinternationalcooperation.Inresponse,the羅湖區(qū)(LuohuDistrict)hasestablishedapilotzonefordigitalyuan(e-CNY)incross-bordertrade,aimingtobypasstraditionalbankingchannels.Whilethisinitiativeshowspromise,expertswarnthatfull-scaleimplementationrequiresglobalconsensus.CITICBankhasbeenactivelyinvolvedintestingthesesystems,highlightingtheneedformorestableregulatoryframeworks.5.Whatisthemainpurposeofthepassage?A.Topromotetheuseofthedigitalyuan.B.Todiscussthechallengesofcross-borderpayments.C.TocriticizeU.S.sanctionsonChinesebanks.D.Tohighlighttheroleofblockchaininfinance.6.Accordingtothepassage,whichbankismentionedasparticipatingindigitalyuantesting?A.BankofChinaB.IndustrialandCommercialBankofChinaC.CITICBankD.AgriculturalBankofChina7.Thephrase"globalconsensus"inthepassageimplies:A.Internationalagreementonfinancialregulations.B.Uniformityindigitalcurrencyadoption.C.CooperationbetweenChineseandU.S.banks.D.Theneedformorecross-bordertrade.8.Whatdoesthepassagesuggestaboutthefutureofcross-borderpayments?A.Theywillbecomeentirelydigital.B.TheywillremaindependentonSWIFT.C.Theywillrequiremoreregionalcooperation.D.TheywillbeheavilyinfluencedbyU.S.policies.4.邏輯判斷（共5題，每題3分，共15分）題目：1.Ifthe羅湖區(qū)(LuohuDistrict)governmentincreasessubsidiesforgreenloans,whichofthefollowingismostlikelytooccur?A.Fewerbankswilladoptsustainablefinancepractices.B.SMEsinthedistrictwillreducetheirenvironmentalimpact.C.Interestratesforalltypesofloanswillrise.D.Largecorporationswilldominatethegreenfinancemarket.2.GiventhatCITICBankhasexpandeditsmobilebankingappwithAI-drivenfrauddetection,whichoutcomeismostprobable?A.Customertrustindigitalbankingwilldecline.B.Thebankwillseeadecreaseinonlinetransactions.C.Cybersecurityincidentswillincrease.D.Thebankwillattractmoretech-savvyclients.3.IftheChinesegovernmenttightensregulationsonvirtualassets,whichsectorwillbemostaffected?A.Traditionalbanking.B.Fintechstartups.C.Insurancecompanies.D.Realestatedevelopers.4.Ifthedigitalyuan(e-CNY)becomeswidelyusedin羅湖區(qū)(LuohuDistrict),whicheffectislikely?A.Cashtransactionswilldisappearcompletely.B.Thedistrict'seconomywillbecomemoredecentralized.C.Smallbusinesseswillfacehighercompliancecosts.D.Cross-bordertradewillflourishwithoutbarriers.5.IfCITICBankintroducesarewardsprogramfordigitalbankingusers,whichoutcomeismostprobable?A.Customerswillprefercashtransactionsoverdigitalones.B.Thebankwilllosemarketsharetocompetitors.C.Mobileappusagewillincreasesignificantly.D.Interestratesonsavingsaccountswilldropsharply.5.短文改錯（共2題，每題5分，共10分）題目：1.Therapidgrowthoffintechhasbeenfacedbytraditionalbankswithmanychallenges,includingtheneedtoinvestheavilyindigitalinfrastructureandthedifficultyofattractingtech-savvycustomers.Note:Correctthegrammaticalerrorsinthesentence.2.Inrecentyears,the羅湖區(qū)(LuohuDistrict)governmenthasmadealotofeffortstopromotethedevelopmentofsmallandmedium-sizedenterprises(SMEs)byofferingtaxincentivesandlow-interestloans,buttherearestillsomeobstaclestoovercomebeforeachievingfullsuccess.Note:Correctthegrammaticalerrorsinthesentence.答案與解析1.選詞填空1.A(force)-"Fintechhasforcedthebankingindustrytoinnovate."2.A(integration)-"Cross-borderpaymentsystemsneedintegration."3.B(facilitate)-"Policiesaimtofacilitatedigitaltransformation."4.A(reducing)-"Bankscommittoreducingcarbonemissions."5.B(synergy)-"Thesynergybetweencybersecurityandfinancialinclusionisevident."2.語句排序1.③-①-⑤-④-②-TheintegrationofAIhasimprovedriskmanagement(①).FinancialinstitutionsinShenzhenareleadingthistrend(③).Thistechnologyhasbecomeacornerstoneofmodernbanking(⑤).Byleveragingmachinelearning,bankscandetectfraudinreal-time(④).However,italsoraisesconcernsaboutdataprivacy(②).2.①-②-③-④-⑤-The羅湖區(qū)(LuohuDistrict)governmenthasintroducedincentivesforgreenfinance(①).ThisinitiativealignswithChina'scarbonneutralitygoals(②).CITICBankhaslaunchedseveraleco-friendlyloanproductstosupporttheseefforts(③).LocalSMEshavebenefitedsignificantlyfromtheseprograms(④).Thecollaborationbetweenthebankandthedistricthassetaprecedentforotherregions(⑤).3.①-②-③-④-⑤-Blockchaintechnologyofferstransparencyandsecurityintransactions(①).Itsadoptionincross-borderpaymentsisstillinitsearlystages(②).However,regulatorybarriersremainamajorobstacle(③).Thecentralbankhasissuedguidelinestopromoteitssafeuse(④).Thiscouldrevolutionizethewayinternationaltradeisconducted(⑤).3.閱讀理解1.B2.C3.C4.C5.B6.C7.A8.C解析：-Passage1emphasizestheimpactoffintechonretailtransactions(B).Shenzhenishighlightedasaleader(C).Digitalbankingfacesregulatorybarriers(C)."Digitaldivide"referstodisparitiesbetweenurbanandruralareas(C).-Passage2discusseschallengesincross-borderpayments(B).CITICBankismentioned(C)."Globalconsensus"impliesinternationalagreementonfinancialregulations(A).Thefutureofcross-borderpaymentswillrequiremoreregionalcooperation(C).4.邏輯判斷1.B2.D3.B4.B5.C解析：-Greenfinancesubsidieswillenc