中國銀行杭州市桐廬縣2025秋招筆試英語選詞填空題專練50題及答案題目（1-50）1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinancialindustrytoadaptorfaceobsolescence.A.forcedB.encouragedC.supportedD.delayed2.InthecontextofChina'sfinancialreforms,桐廬縣'sruralbankingsectorhasmade______stridesinimprovingfinancialinclusion.A.noticeableB.gradualC.unexpectedD.minimal3.Awell-designedcreditassessmentsystemcan______loandefaultsandenhanceriskmanagementforbanks.A.reduceB.increaseC.ignoreD.postpone4.TheCOVID-19pandemic______theneedforremotebankingsolutions,suchasmobileappsandonlinetransactions.A.highlightedB.underminedC.delayedD.canceled5.China's"dualcirculation"strategyaimsto______domesticeconomicgrowthwhilemaintainingglobalintegration.A.boostB.weakenC.isolateD.ignore6.Inthebankingsector,AI-poweredchatbotscan______customerserviceefficiencyandreduceoperationalcosts.A.improveB.decreaseC.stagnateD.disrupt7.TheGreenFinanceinitiativeinHangzhouencouragesbanksto______investmentsinrenewableenergyprojects.A.prioritizeB.avoidC.discourageD.postpone8.桐廬縣'seconomicgrowthratehasbeen______byitsstrategiclocationintheYangtzeRiverDelta.A.boostedB.hinderedC.ignoredD.overlooked9.Financialliteracyprogramsareessentialto______citizensinmakinginformedinvestmentdecisions.A.educateB.confuseC.discourageD.pressure10.TheBaselAccordsimposestrictercapitalrequirementsonbanksto______systemicrisksinthefinancialsystem.A.mitigateB.amplifyC.ignoreD.eliminate11.Theintegrationofbigdataanalyticsinbankingcan______frauddetectionandprevention.A.enhanceB.weakenC.delayD.eliminate12.China'sinterestrateliberalizationhas______thecompetitivenessofdomesticbanksintheglobalmarket.A.improvedB.reducedC.neutralizedD.diminished13.Thedigitalyuan(e-CNY)projectaimsto______theefficiencyofpaymentsystemsandreducerelianceoncash.A.enhanceB.disruptC.weakenD.replace14.Thebankingsectorin桐廬縣hasbeen______bytheriseoffintechstartupsanddigitalpaymentplatforms.A.challengedB.supportedC.ignoredD.strengthened15.Arobustriskmanagementframeworkiscrucialforbanksto______creditlossesandensurelong-termstability.A.minimizeB.maximizeC.ignoreD.postpone16.TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)playsakeyrolein______financialinstitutions.A.supervisingB.encouragingC.underminingD.eliminating17.TheBeltandRoadInitiativehas______cross-borderbankingcooperationbetweenChinaandparticipatingcountries.A.promotedB.hinderedC.ignoredD.disrupted18.Theuseofblockchaintechnologyinbankingcan______transparencyandreducecounterpartyrisks.A.increaseB.decreaseC.eliminateD.neutralize19.TheagingpopulationinChinaposeschallengesforpensionfundmanagementandretirementplanning.A.opportunitiesB.threatsC.benefitsD.challenges20.Theadoptionofcloudcomputinginbankingcan______scalabilityandflexibilityofITinfrastructure.A.enhanceB.limitC.delayD.disrupt21.ThefinancialinclusiondriveinruralareasofHangzhouaimsto______accesstobankingservicesforlow-incomehouseholds.A.expandB.restrictC.ignoreD.eliminate22.Theriseofmobilebankinghas______thetraditionalbrick-and-mortarbankingmodel.A.transformedB.preservedC.underminedD.ignored23.TheChinesegovernment'seffortstode-risktherealestatesectorhave______banksfromexcessiveexposuretopropertyloans.A.protectedB.warnedC.restrictedD.encouraged24.TheuseofAIincreditscoringcan______decision-makingaccuracyandreducehumanbias.A.improveB.degradeC.delayD.disrupt25.TheimplementationoftheAnti-MoneyLaundering(AML)frameworkiscriticalto______financialcrimes.A.combatB.facilitateC.ignoreD.promote26.Thedigitaltransformationofthebankingsectorrequiresa______approachtotechnologyadoptionandinnovation.A.strategicB.haphazardC.passiveD.reactive27.Theriseofvirtualbanks(neobanks)has______competitionintheretailbankingmarket.A.intensifiedB.reducedC.eliminatedD.neutralized28.TheCOVID-19crisishighlightedtheimportanceof______financialresilienceinthebankingsector.A.maintainingB.neglectingC.weakeningD.eliminating29.Theuseofcryptocurrenciesincross-borderpaymentsremainsa______areaforregulatoryoversight.A.regulatedB.unregulatedC.ambiguousD.discouraged30.TheGreenCreditDirectiveencouragesbanksto______environmentalandsocialrisksintheirlendingdecisions.A.prioritizeB.ignoreC.minimizeD.eliminate31.Theadoptionofopenbankingprinciplescan______collaborationbetweenbanksandfintechcompanies.A.fosterB.hinderC.ignoreD.disrupt32.TheaginginfrastructureinmanyChinesecitiesrequires______investmentinmodernbankingfacilities.A.increasedB.reducedC.delayedD.eliminated33.TheChinaMerchantsBank(CMB)inHangzhouhasbeen______foritsinnovativebankingsolutions.A.recognizedB.criticizedC.ignoredD.undermined34.Thedigitalyuan(e-CNY)can______theefficiencyofremittancesandreducetransactionfees.A.enhanceB.degradeC.delayD.disrupt35.Thebankingsectorin桐廬縣hasbeen______bytheshiftfromtraditionaltodigitalbankingmodels.A.transformedB.preservedC.weakenedD.ignored36.Theriseofdigitalcurrenciesposeschallengesforcentralbanksto______monetarypolicy.A.maintainB.weakenC.ignoreD.disrupt37.TheChinaBankingAssociation(CBA)playsarolein______industrystandardsandbestpractices.A.promotingB.underminingC.ignoringD.delaying38.Theadoptionofremoteworkpoliciesduringthepandemichas______theneedforflexiblebankingservices.A.increasedB.decreasedC.eliminatedD.neutralized39.TheGreenFinanceBondissuancehas______capitalforenvironmentallyfriendlyprojects.A.attractedB.discouragedC.delayedD.eliminated40.ThebankingsectorinHangzhouhasbeen______bythegrowthofcross-bordertradeandtourism.A.supportedB.challengedC.ignoredD.disrupted41.Theuseofbehavioralfinanceprinciplescan______customerdecision-makingandimprovefinancialproducts.A.influenceB.ignoreC.degradeD.disrupt42.TheChinaAssetManagementCompany(AMC)playsarolein______non-performingloans(NPLs)inthefinancialsystem.A.resolvingB.ignoringC.encouragingD.delaying43.Thedigitaltransformationofthebankingsectorrequires______investmentincybersecuritymeasures.A.increasedB.reducedC.delayedD.eliminated44.Theriseoffintechcompanieshas______traditionalbankstoinnovateandimprovetheirservices.A.pressuredB.supportedC.ignoredD.weakened45.Thefinancialinclusiondriveinrural桐廬縣aimsto______accesstocreditforsmallandmedium-sizedenterprises(SMEs).A.expandB.restrictC.ignoreD.eliminate46.TheadoptionofAIinwealthmanagementcan______personalizedfinancialadviceandimprovecustomersatisfaction.A.enhanceB.degradeC.delayD.disrupt47.TheChinaBankingRegulatoryCommission(CBRC)imposesstricterregulationsto______financialstability.A.ensureB.undermineC.ignoreD.disrupt48.TheGreenFinanceinitiativesinHangzhouencouragebanksto______investmentsingreeninfrastructure.A.prioritizeB.avoidC.discourageD.postpone49.Thedigitalbankingrevolutionhas______thetraditionalroleofhumantellersinbanks.A.reducedB.preservedC.enhancedD.eliminated50.TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasbeenworkingto______financialrisksinthebankingsector.A.mitigateB.amplifyC.ignoreD.eliminate答案及解析1.A.forced解析：數(shù)字經(jīng)濟的發(fā)展迫使傳統(tǒng)金融業(yè)必須適應(yīng)或面臨淘汰。2.A.noticeable解析：在中國金融改革背景下，桐廬縣農(nóng)村銀行業(yè)在提升金融包容性方面取得了顯著進展。3.A.reduce解析：良好的信用評估體系可以減少貸款違約，提升銀行風(fēng)險管理能力。4.A.highlighted解析：新冠疫情凸顯了遠程銀行業(yè)務(wù)解決方案（如移動應(yīng)用和在線交易）的必要性。5.A.boost解析：中國的“雙循環(huán)”戰(zhàn)略旨在推動國內(nèi)經(jīng)濟增長，同時保持全球一體化。6.A.improve解析：AI驅(qū)動的聊天機器人可以提高客戶服務(wù)效率，降低運營成本。7.A.prioritize解析：綠色金融倡議鼓勵銀行優(yōu)先投資可再生能源項目。8.A.boosted解析：桐廬縣因其位于長三角的戰(zhàn)略位置，經(jīng)濟增長率得到顯著提升。9.A.educate解析：金融素養(yǎng)計劃有助于公民做出明智的投資決策。10.A.mitigate解析：巴塞爾協(xié)議對銀行施加更嚴(yán)格的資本要求，以降低系統(tǒng)性金融風(fēng)險。11.A.enhance解析：大數(shù)據(jù)分析在銀行業(yè)務(wù)中的應(yīng)用可提升欺詐檢測和預(yù)防能力。12.A.improved解析：中國的利率市場化改革提升了國內(nèi)銀行在全球市場的競爭力。13.A.enhance解析：數(shù)字人民幣（e-CNY）項目旨在提升支付系統(tǒng)效率，減少現(xiàn)金依賴。14.A.challenged解析：金融科技初創(chuàng)公司和數(shù)字支付平臺的崛起對桐廬縣銀行業(yè)構(gòu)成挑戰(zhàn)。15.A.minimize解析：強大的風(fēng)險管理框架對銀行降低信用損失、確保長期穩(wěn)定至關(guān)重要。16.A.supervising解析：中國銀行保險監(jiān)督管理委員會（CBIRC）在監(jiān)管金融機構(gòu)方面發(fā)揮著關(guān)鍵作用。17.A.promoted解析：一帶一路倡議推動了中俄參與國之間的跨境銀行業(yè)務(wù)合作。18.A.increase解析：區(qū)塊鏈技術(shù)在銀行業(yè)務(wù)中的應(yīng)用可提升透明度，降低交易對手風(fēng)險。19.D.challenges解析：中國人口老齡化對養(yǎng)老金管理和退休規(guī)劃構(gòu)成挑戰(zhàn)。20.A.enhance解析：云計算在銀行業(yè)務(wù)中的應(yīng)用可提升IT基礎(chǔ)設(shè)施的可擴展性和靈活性。21.A.expand解析：杭州農(nóng)村地區(qū)的金融包容性推動旨在擴大低收入家庭對銀行服務(wù)的獲取。22.A.transformed解析：移動銀行業(yè)務(wù)的興起改變了傳統(tǒng)實體銀行的模式。23.C.restricted解析：中國政府為房地產(chǎn)去杠桿所做的努力限制了銀行對房地產(chǎn)貸款的過度敞口。24.A.improve解析：AI在信用評分中的應(yīng)用可提升決策準(zhǔn)確性，減少人為偏見。25.A.combat解析：反洗錢（AML）框架的實施對打擊金融犯罪至關(guān)重要。26.A.strategic解析：銀行業(yè)務(wù)的數(shù)字化轉(zhuǎn)型需要戰(zhàn)略性的技術(shù)采納和創(chuàng)新方法。27.A.intensified解析：虛擬銀行（neobank）的崛起加劇了零售銀行業(yè)務(wù)市場的競爭。28.A.maintaining解析：新冠疫情凸顯了銀行業(yè)務(wù)保持財務(wù)彈性的重要性。29.C.ambiguous解析：加密貨幣在跨境支付中的應(yīng)用仍是