2026厦门国际银行招聘考试（英语）历年参考题库含答案详解

2026厦门国际银行招聘考试（英语）历年参考题库含答案详解一、选择题从给出的选项中选择正确答案（共100题）1、Inthesentence"Shehasbeenworkingheresince2020,"whattenseisused?A.SimplepresenttenseB.PresentperfectcontinuoustenseC.PastperfecttenseD.Presentcontinuoustense2、Choosethecorrectwordtofillintheblank:"Thecommittee_beendividedonthisissueformonths."A.haveB.hasC.wereD.are3、Whichsentenceisgrammaticallycorrect?A.Neitheroftheanswersarecorrect.B.Neitheroftheanswersiscorrect.C.Neitherofansweriscorrect.D.Neitheroftheanswershavebeencorrect.4、Thephrase"attheforefrontof"means:A.BehindthelatestdevelopmentsB.LeadinginaparticularfieldC.InthemiddleofacrowdD.Attheedgeofdanger5、Selecttheappropriatepreposition:"Theprojectisaccountable_themanager."A.forB.toC.withD.on6、Whatisthefunctionoftheword"whereas"inthesentence:"Hepreferstea,whereasshelikescoffee."?A.ToshowcauseandeffectB.ToindicatecontrastC.ToaddinformationD.Toexpresscondition7、Choosethecorrectform:"Bythetimeshearrives,we_waitingfortwohours."A.willbeB.willhavebeenC.areD.havebeen8、Theword"mitigate"means:A.ToincreaseinintensityB.TomakelesssevereC.TocompletelyeliminateD.Toinvestigatethoroughly9、Identifythenon-finiteverb:"Havingfinishedthereport,shesubmittedittotheboss."A.finishedB.submittingC.HavingfinishedD.submitted10、Whichwordisanantecedentinthesentence:"ThebookthatIborrowedisfascinating."?A.thatB.IC.ThebookD.fascinating11、Selectthecorrectarticle:"Sheis_honestperson."A.aB.anC.theD.(noarticle)12、Thesentence"Hardlyhadsheenteredtheroomwhenthephonerang."useswhichrhetoricaldevice?A.MetaphorB.InversionC.HyperboleD.Alliteration13、Choosethewordclosestinmeaningto"ubiquitous":A.RareB.OmnipresentC.UniqueD.Temporary14、Whatdoestheidiom"biteoffmorethanonecanchew"mean?A.ToeattooquicklyB.TotakeonmorethancanbehandledC.TocomplainaboutfoodD.Torefusehelp15、Identifythecorrectpassivevoice:"Theproposal_bytheboardlastweek."A.wasapprovedB.approvedC.hasapprovedD.isapproved16、Whichconjunctioncorrectlycompletes:"_itwasrainingheavily,theycontinuedtheirjourney."?A.DespiteB.AlthoughC.HoweverD.But17、Theword"efficacy"refersto:A.CosteffectivenessB.AbilitytoproducedesiredresultC.SpeedofactionD.Sideeffects18、Choosethecorrectindirectspeech:Hesaid,"Iamworkingontheproject."A.Hesaidthatheisworkingontheproject.B.Hesaidthathewasworkingontheproject.C.Hesaidthathehasworkedontheproject.D.Hesaidthatheworksontheproject.19、Whattypeofclauseis"thatshepassedtheexam"in:"Thenewsthatshepassedtheexammadeeveryonehappy."?A.RelativeclauseB.Nounclause(appositive)C.AdverbialclauseD.Gerundclause20、Selectthebestsynonymfor"pragmatic":A.IdealisticB.PracticalC.EmotionalD.Theoretical21、Whichsentencecontainsadanglingmodifier?A.Walkingdownthestreet,thetreeslookedbeautiful.B.Shewalkeddownthestreetandadmiredthetrees.C.Aswewalkeddownthestreet,thetreeslookedbeautiful.D.Thetreeslookedbeautifulaswewalkeddownthestreet.22、Theterm"sustainabledevelopment"emphasizes:A.RapideconomicgrowthatallcostsB.MeetingneedswithoutcompromisingfuturegenerationsC.Maximizingshort-termprofitsD.Reducingpopulationthroughpolicies23、Choosethecorrectoptiontocompletethesentence:"Bythetimewearrivedatthecinema,themovie."A.startedB.hasstartedC.hadstartedD.wasstarting24、Themanagerdemandedthatallemployeesthemeetingontime.A.attendB.attendedC.willattendD.attending25、Neitherthestudentsnortheteacherawareofthechangeinschedule.A.wasB.wereC.areD.havebeen26、theweatherwasterrible,wedecidedtogoforawalk.A.AlthoughB.DespiteC.BecauseD.Since27、ShesaidshetoParisthefollowingweek.A.willtravelB.wouldtravelC.travelsD.traveled28、Theinformationonthewebsiteisnotreliable.A.publishB.publishedC.publishingD.topublish29、Hardlythestationwhenthetraindeparted.A.IhadreachedB.hadIreachedC.IreachedD.didIreach30、Thecommitteedividedonthisissue.A.isB.areC.haveD.wasbeing31、hisresearch,hepublishedseveralpapersintopjournals.A.InspiteofB.DespiteC.AlthoughD.However32、Thebookbymillionsofreaderssinceitwaspublished.A.hasreadB.hasbeenreadC.readD.isread33、IwishIharderwhenIwasatschool.A.studyB.studiedC.hadstudiedD.wouldstudy34、TheCEO,togetherwithhisassistants,attendingtheconference.A.isB.areC.wereD.havebeen35、youpracticeeveryday,youwillnevermasterEnglish.A.UnlessB.IfC.WhenD.Since36、TheprofessorrequestedthattheassignmentbyFriday.A.besubmittedB.submittedC.issubmittedD.wassubmitted37、Notuntilthemeetingendedthetruth.A.didhetellmeB.hetoldmeC.hedidtellmeD.hewastold38、Thenumberofstudentsinthelibraryincreasinggradually.A.isB.areC.wereD.havebeen39、Sheinthiscompanyfortenyearsbynextmonth.A.willhaveworkedB.willworkC.hasworkedD.works40、interestingthebookis,Icannotfinishreadingit.A.HoweverB.WhateverC.NomatterD.Although41、Thedoctorsuggestedthathemoreexercise.A.takesB.takeC.tookD.taking42、Thereabookandsomepensonthedesk.A.isB.areC.haveD.has43、Shehasbeenworkinginthebankforfiveyears,sosheveryfamiliarwiththenewsystem.A.mustbeB.canbeC.mighthavebeenD.shouldhavebeen44、Themanagersuggestedthateveryonethemeetingontime.A.attendsB.attendC.attendedD.attending45、Bythetimeheretiresnextyear,heatthiscompanyforoverthirtyyears.A.willworkB.willhaveworkedC.hasworkedD.isworking46、Neitherthestudentsnortheteacherawareofthechangeinschedule.A.wasB.wereC.areD.havebeen47、Thecompanyhasinvestedheavilyinrenewableenergy,itaimstoreducecarbonemissionsby40percent.A.whichB.thatC.whereD.what48、IwishImoretimetoprepareforthepresentationyesterday.A.haveB.hadC.hadhadD.wouldhave49、Thereportneedsbeforetheboardmeetingtomorrow.A.toreviseB.revisingC.beingrevisedD.revise50、Hardlythestationwhenthetrainsuddenlystartedmoving.A.hadIreachedB.IhadreachedC.didIreachD.Ireached51、ItisessentialthatallemployeestheirIDcardsatalltimeswhileonpremises.A.carryB.willcarryC.carriedD.mustcarry52、Thenumberofforeigncustomerssteadilyincreasingoverthepastdecade.A.isB.areC.havebeenD.hasbeen53、Notuntilthepolicywasannouncedthefullimpactoftheregulation.A.didweunderstandB.weunderstoodC.wehadunderstoodD.hadweunderstood54、TheCFOrequestedthatthebudgetreportbyFridayatthelatest.A.besubmittedB.willbesubmittedC.issubmittedD.submits55、ShespeaksEnglishfluentlythateveryoneassumesshegrewupabroad.A.suchB.soC.veryD.too56、ThenewCEOisbelievedacompleterestructuringofthedepartment.A.toimplementB.implementingC.implementedD.havingimplemented57、Hadtheprojectbeencompletedonschedule,weabonusthismonth.A.wouldreceiveB.wouldhavereceivedC.willreceiveD.receives58、Thedataprovidedbytheconsultingfirmisremarkablyconsistentwithwecollectedlastquarter.A.thatB.whichC.whatD.it59、Heinsistedthathenothingwrongandrefusedtoapologize.A.doesB.didC.haddoneD.hasdone60、Thedifferenceinproductivitybetweenthetwoteamsremainsquestion.A.aB.anC.theD./61、theeconomicoutlookremainsuncertain,companiesarestillinvestingindigitaltransformation.A.WhileB.SinceC.AsD.Once62、Theboardmembersdemandedthattheannualfinancialstatementswithintwoweeks.A.beauditedB.wouldbeauditedC.areauditedD.audited63、Shehasworkedinthebankingsector_shegraduatedfromuniversitytenyearsago.A.sinceB.forC.duringD.while64、Themanagerrequestedthatallemployees_thesafetyguidelinesbeforestartingwork.A.followB.followedC.willfollowD.following65、Thequarterlyreportindicatesthatthecompany'sprofitshaveincreasedsignificantly_lastyear.A.comparingtoB.comparedtoC.tocomparewithD.havingcomparedto66、Iftheinterestrates_higher,manyborrowerswouldstruggletorepaytheirloans.A.wereB.areC.willbeD.havebeen67、Thebankoffersawiderangeoffinancialservices,_mortgages,personalloans,andinvestmentproducts.A.includingB.includedC.toincludeD.include68、Bytheendofnextyear,thenewdigitalplatform_bymillionsofcustomersworldwide.A.willhavebeenusedB.willbeusedC.hasbeenusedD.isbeingused69、TheCEOemphasizedtheimportanceofmaintainingastrong_betweenthebankanditscustomers.A.relationshipB.relativeC.relateD.relatively70、Notonly_theprojectontime,buthealsoexceededtheclient'sexpectations.A.didhecompleteB.hecompletedC.hedidcompleteD.completedhe71、Thefinancialanalystpredictedthatthemarketwouldrecoveroncethegovernment_neweconomicpolicies.A.implementsB.implementedC.willimplementD.hasimplemented72、Theboardofdirectorsexpressedconcern_thedecliningperformanceofthebranchoffice.A.aboutB.forC.toD.with73、Despitethechallengesposedbytheeconomicdownturn,thecompanymanagedto_itsmarketshare.A.maintainB.sustainC.preserveD.conserve74、Theauditorsfoundthattheaccountsdidnot_theactualfinancialstatusofthecompany.A.reflectB.representC.describeD.reveal75、Hadthemanagementtakenearlieraction,thecrisis_avoided.A.wouldhavebeenB.willhavebeenC.couldbeD.hadbeen76、Thecustomerserviceteamisresponsiblefor_customercomplaintsinatimelyandprofessionalmanner.A.handlingB.tohandleC.handledD.beinghandled77、Whichofthefollowingsentencesisgrammaticallycorrect?A.Eachoftheemployeeshavesubmittedtheirreport.B.Eachoftheemployeeshassubmittedhisorherreport.C.Eachoftheemployeeshavesubmittedhisorherreport.D.Eachoftheemployeeshassubmittedtheirreports.78、Thenewlylaunchedmobilebankingapplicationhasbeen_positivefeedbackfromusersacrossthecountry.A.receivingB.acceptedC.obtainedD.collected79、Itisessentialthateverydepartmenthead_theannualbudgetreviewmeeting.A.attendB.attendsC.attendedD.willattend80、Thetworeportsaresimilar_certainaspects,buttheydiffersignificantlyintheirconclusions.A.inB.onC.atD.from81、Thebank'sheadquarters,which_inXiamen,hasbeenasymbolofeconomicdevelopmentintheregion.A.islocatedB.islocatingC.locateD.haslocated82、Unless_properly,thefinancialdatamayleadtomisleadingconclusions.A.analyzedB.analyzingC.toanalyzeD.beinganalyzed83、Thecommitteeunanimouslyagreedthattheproposedreformwould_significantbenefitstoallstakeholders.A.yieldB.produceC.generateD.create84、交通银行成立于哪一年？A.1985年B.1987年C.1990年D.1995年85、交通银行的股票代码是哪一项？A.600000B.601328C.600016D.60003686、下列哪项业务不属于交通银行的传统存款业务？A.活期存款B.定期存款C.结构性存款D.融资融券87、交通银行推出的首个电子银行品牌是？A.交银易B.网银通C.手机银行D.网上银行88、交通银行的英文缩写是？A.ICBCB.BOCC.BOCOMD.CCB89、交通银行在全国设立了哪些主要业务板块？A.个人金融、公司金融、资金业务B.住房贷款、汽车贷款、消费贷款C.信用卡、理财、保险D.储蓄、结算、汇兑90、下列哪项属于交通银行的中间业务收入来源？A.存贷利差B.信用卡手续费C.同业拆借利息D.债券投资收益91、交通银行实施的"323"战略中的"3"个定位不包括？A.建设一流商业银行B.服务实体经济C.推进数字化转型D.拓展海外市场92、交通银行的使命是？A.发展人类美好生活B.建设一流商业银行C.服务实体经济D.创造共同价值93、交通银行推行全面风险管理，其风险类型不包括？A.信用风险B.市场风险C.操作风险D.汇率风险94、交通银行的资产规模在国内银行中排名如何？A.第二位B.第五位C.第十位D.第三位95、交通银行数字化转型的目标不包括？A.建设智慧银行B.构建开放生态C.淘汰实体网点D.提升客户体验96、交通银行信用卡的发行时间是？A.1987年B.2005年C.2009年D.2015年97、交通银行在科创板IPO的时间是？A.2019年B.2020年C.2021年D.2022年98、交通银行的经营范围不包括？A.吸收公众存款B.发放短期贷款C.买卖政府债券D.发行股票99、交通银行的服务宗旨是？A.客户至上B.真诚相伴C.追求卓越D.创新发展100、交通银行的注册资本约为多少亿元？A.500B.742C.1000D.1500

参考答案及解析1.【参考答案】B【解析】"hasbeenworking"是现在完成进行时，由"has/have+been+动词-ing"构成，表示从过去某一时间开始一直持续到现在的动作，强调动作的持续性和未完成性。句中"since2020"是典型的时间状语，标志动作从2020年开始持续至今。2.【参考答案】B【解析】"committee"是集合名词，当强调整体时视为单数，谓语动词用单数形式。此处强调委员会作为一个整体存在分歧，故用"has"。若强调委员会成员individually，则用"have"。本句语境指整体立场。3.【参考答案】B【解析】"Neither"作主语时，谓语动词通常用单数形式。"Neitherof+复数名词/代词"结构中，谓语动词可用单数或复数，但正式文体倾向用单数"is"。选项A用"are"虽口语可接受但不够规范；选项C缺"the"和复数形式；选项D时态不当。4.【参考答案】B【解析】"Attheforefrontof"意为"在……的最前列、领先于"，指处于某个领域或活动的前沿位置，代表最先进的水平。例如："Sheisattheforefrontofartificialintelligenceresearch."选项A为反义；选项C指物理位置；选项D指危险边缘，均不符合。5.【参考答案】B【解析】"Accountableto"表示"对……负责"，指向上级或特定对象负责。"Accountablefor"表示"对某事负责"，后接责任内容。本句指项目经理对项目负责，应用"to"引出责任对象。其他介词不用于此搭配。6.【参考答案】B【解析】"Whereas"是连词，表示对比关系，相当于"而、然而"。本句对比两人的不同偏好：他喜欢茶，她喜欢咖啡。选项A表因果关系用"because/since"；选项C表递进用"and"；选项D表条件用"if/unless"。7.【参考答案】B【解析】"Bythetime+一般现在时"主句用将来完成时，表示到将来某时刻为止已完成的动作。句中"willhavebeenwaiting"强调到"她到达"时，等待动作将持续两小时，突出持续性。选项A为将来进行时，不强调完成；选项C/D时态不符。8.【参考答案】B【解析】"Mitigate"意为"减轻、缓和"，常与"risk/danger/pain"等词搭配，指使不良情况变得不那么严重。例如："Themedicinehelpedmitigatethesymptoms."选项A为相反义；选项C过于绝对；选项D指调查，语义不符。9.【参考答案】C【解析】"Havingfinished"是现在分词的完成式，作状语，表示动作在主句谓语之前已完成。它是非限定动词（non-finiteverb），不体现时态和人称变化。选项A是过去分词作定语；选项B是现在分词；选项D是谓语动词。10.【参考答案】C【解析】Antecedent（先行词）是关系代词所指代的名词。句中"that"是关系代词，引导定语从句修饰"Thebook"，故"Thebook"是先行词。选项A是关系代词；选项B是从句主语；选项D是从句表语。11.【参考答案】B【解析】"Honest"发音以元音音素/h/开头，但/h/不发音，实际首音为元音/ɒ/，故用冠词"an"。规则：冠词选择取决于后续词的发音而非拼写。选项A用于辅音音素开头的词；选项C表特指；选项D不用于此语境。12.【参考答案】B【解析】倒装（Inversion）是否定副词"Hardly"置于句首时，主谓倒装的结构。正常语序应为"Shehadhardlyentered..."。本句还使用"hardly...when..."句型，表示"一……就……"。选项A隐喻；选项C夸张；选项D头韵，均不符。13.【参考答案】B【解析】"Ubiquitous"意为"无处不在的、普遍存在的"。"Omnipresent"是同义词，均源自拉丁语词根表示"遍在"。选项A意为"稀有的"；选项C意为"独特的"；选项D意为"暂时的"，均为反义词或无关词。14.【参考答案】B【解析】"Biteoffmorethanonecanchew"比喻"承担过多超出能力范围的工作或任务"。字面是"咬下超过自己能嚼碎的食物"，引申为高估自身能力。选项A为字面意思；选项C/D与习语含义无关。15.【参考答案】A【解析】被动语态结构为"be+过去分词"。句中"timemarker'lastweek表明用一般过去时，故用"wasapproved"。选项B缺be动词；选项C为主动语态；选项D时态不符。主语"proposal"是动作承受者。16.【参考答案】B【解析】"Although"引导让步状语从句，后接完整句子，表示"尽管……但是……"。选项A"Despite"是介词，后接名词/动名词；选项C"However"是副词，需分号或另起句；选项D"But"并列连词，不与"although"连用。17.【参考答案】B【解析】"Efficacy"指"功效、效力"，强调产生预期结果的能力，常用于医学、管理学语境。选项A是"成本效益"；选项C是"速度"；选项D是"副作用"，均为相关但不准确的含义。18.【参考答案】B【解析】间接引语需遵循时态一致原则：直接引语中的现在进行时"amworking"变为过去进行时"wasworking"。选项A未移位；选项C改为现在完成时，语义改变；选项D改为一般现在时，不符。19.【参考答案】B【解析】同位语从句解释抽象名词"news"的具体内容，由"that"引导，在句中作"news"的同位语。区别于定语从句（修饰先行词），同位语从句"that"不做成分只起连接作用。选项A修饰名词；选项C表原因/条件等；选项D不成立。20.【参考答案】B【解析】"Pragmatic"意为"务实的、实用主义的"，强调关注实际效果而非理论或理想。"Practical"是其最佳同义词。选项A"理想主义的"为反义词；选项C"情绪化的"无关；选项D"理论的"为反义词。21.【参考答案】A【解析】悬垂修饰语是修饰语逻辑上无法修饰句子主语的错误结构。选项A中"Walkingdownthestreet"暗示主语是"thetrees"，但树不会走路，逻辑错误。选项B/C/D均无此问题。正确表述应为："Walkingdownthestreet,wethoughtthetreeslookedbeautiful."22.【参考答案】B【解析】"Sustainabledevelopment（可持续发展）指"既满足当代需求，又不损害后代满足其需求能力的发展模式"，由布伦特兰报告定义。选项A/C忽视环境与社会维度；选项D与定义无关。核心是平衡经济、社会、环境三方面。"23.【参考答案】C【解析】本题考查过去完成时的用法。句意是"到我们到达电影院时，电影已经开始了"。动作"开始"发生在"到达"之前，即过去的过去，应用过去完成时had+过去分词。选项C正确。24.【参考答案】A【解析】demand后接宾语从句时用虚拟语气，结构为demandthat+主语+动词原形。因此attend用原形。选项A正确。25.【参考答案】A【解析】neither...nor连接主语时谓语动词遵循就近原则。teacher是单数，因此用was。句意为"学生和老师都没有意识到日程的变化"。选项A正确。26.【参考答案】A【解析】本题考查连词辨析。although引导让步状语从句，后接句子；despite后接名词或动名词。此处后为完整句子，应用although。句意为"尽管天气很糟糕，我们还是决定去散步"。选项A正确。27.【参考答案】B【解析】间接引语中，主句为过去时(said)，从句需用相应的过去将来时。will的过去式为would，因此wouldtravel正确。句意为"她说她将在下周去巴黎"。选项B正确。28.【参考答案】B【解析】publish与information之间是被动关系，应用过去分词作后置定语，相当于whichispublished的省略。句意为"网站上发布的信息不可靠"。选项B正确。29.【参考答案】B【解析】hardly...when句型中，hardly部分需倒装。此处描述过去的动作，用过去完成时倒装结构：Hardly+had+主语+过去分词。选项B正确。30.【参考答案】B【解析】committee作为集合名词，当强调成员个体时谓语用复数。此处指委员会成员意见不一，应用are。句意为"委员会在这一问题上意见分歧"。选项B正确。31.【参考答案】A【解析】inspiteof和despite后接名词，though和although后接从句。此处后为名词短语，应用inspiteof或despite。选项A正确。32.【参考答案】B【解析】since引导的时间状语从句用一般过去时，主句应用现在完成时。book与read是被动关系，因此用现在完成时的被动语态hasbeenread。选项B正确。33.【参考答案】C【解析】wish后接宾语从句表示与过去事实相反的愿望时，用过去完成时。此处表达对过去学习不努力的后悔，应用hadstudied。选项C正确。34.【参考答案】A【解析】togetherwith不改变主语单复数，主语是TheCEO（单数），谓语用is。句意为"首席执行官和他的助手们将参加这次会议"。选项A正确。35.【参考答案】A【解析】unless意为"除非"，引导条件状语从句，相当于ifnot。句意为"除非你每天练习，否则永远学不好英语"。选项A正确。36.【参考答案】A【解析】request后接宾语从句用虚拟语气，结构为requestthat+主语+动词原形（bedone）。此处为被动语态，应用besubmitted。选项A正确。37.【参考答案】A【解析】notuntil位于句首时，主句需部分倒装。此处为一般过去时，助动词did提前。句意为"直到会议结束他才告诉我真相"。选项A正确。38.【参考答案】A【解析】thenumberof+复数名词作主语时，谓语用单数。anumberof+复数名词作主语时，谓语用复数。此处是thenumber，用is。选项A正确。39.【参考答案】A【解析】bynextmonth表示到将来某时刻为止，应用将来完成时。句意为"到下个月她在这家公司就工作满十年了"。选项A正确。40.【参考答案】A【解析】however+形容词/副词引导让步状语从句，意为"无论多么..."。此处修饰interesting，应用however。句意为"无论这本书多有趣，我都读不完"。选项A正确。41.【参考答案】B【解析】suggest后接宾语从句用虚拟语气，结构为suggestthat+主语+动词原形。此处应用take。句意为"医生建议他多锻炼"。选项B正确。42.【参考答案】A【解析】therebe句型遵循就近原则。离be动词最近的主语是abook（单数），因此用is。句意为"桌上有一本书和一些钢笔"。选项A正确。43.【参考答案】A【解析】本题考查情态动词表推测。根据"forfiveyears"可知她在银行工作已久，对系统应该非常熟悉，表示肯定的推测用mustbe。canbe表示可能性，语气较弱；mighthavebeen和shouldhavebeen均与句意不符。44.【参考答案】B【解析】本题考查虚拟语气。suggest后接宾语从句时，从句谓语用"(should)+动词原形"，should可省略。因此选attend。该用法在正式英语和商务语境中尤为常见。45.【参考答案】B【解析】本题考查将来完成时。bythetime引导的时间状语从句用一般现在时表示将来，主句需用将来完成时，表示到将来某一时间已经完成的动作。结构为"willhave+过去分词"。46.【参考答案】A【解析】本题考查主谓一致。neither...nor...连接两个主语时，谓语动词与最近的主语保持一致。teacher是单数，且句子描述的是一般事实，故用was。47.【参考答案】A【解析】本题考查非限制性定语从句。空格处需填入关系代词，指代前面整个主句内容，在从句中作主语，用which。that不能引导非限制性定语从句。48.【参考答案】C【解析】本题考查虚拟语气。wish后的宾语从句表示与过去事实相反的愿望时，用过去完成时，即"had+过去分词"。yesterday表明是与过去相反，故选hadhad。49.【参考答案】B【解析】本题考查need的用法。need作实义动词时，后接动名词的被动形式或不定式的被动形式，即"needdoing"或"needtobedone"。revising在此相当于toberevised，故选B。50.【参考答案】A【解析】本题考查倒装句。hardly...when...句型中，hardly置于句首时，主句需部分倒装，且时态用过去完成时。结构为"Hardly+had+主语+过去分词...when..."。51.【参考答案】A【解析】本题考查虚拟语气。essential后接that从句时，从句谓语用"(should)+动词原形"，should可省略。这是典型的"Itis+形容词+that从句"结构中的虚拟语气用法。52.【参考答案】D【解析】本题考查主谓一致和时态。thenumberof后接复数名词作主语时，谓语动词用单数，排除B和C。overthepastdecade表示从过去持续到现在，应用现在完成时，故选hasbeen。53.【参考答案】A【解析】本题考查倒装句。notuntil置于句首时，主句需部分倒装。句意为"直到政策公布，我们才完全理解该法规的影响"，动作发生在过去，用一般过去时即可，故选didweunderstand。54.【参考答案】A【解析】本题考查虚拟语气。request后接that从句时，从句用"(should)+动词原形"。budgetreport与submit之间是被动关系，故用besubmitted。should可省略。55.【参考答案】B【解析】本题考查结果状语从句。so...that...意为"如此……以至于……"，so后接形容词或副词。such后接名词。fluently是副词，前面用so，构成"so+副词+that"结构。56.【参考答案】A【解析】本题考查非谓语动词。bebelievedtodosth.是固定句型，意为"据信做了某事"，用不定式的一般式表示动作与主句谓语同时发生或将要发生。故选toimplement。57.【参考答案】B【解析】本题考查虚拟语气。Hadtheprojectbeencompletedonschedule是省略if的条件句，相当于"Iftheprojecthadbeencompletedonschedule"，表示与过去事实相反的假设。主句应用wouldhave+过去分词，故选wouldhavereceived。58.【参考答案】C【解析】本题考查名词性从句。with是介词，后面接宾语从句，宾语从句中缺少collect的宾语，需用what引导，what既引导从句又在从句中充当成分。that和which不能同时在从句中作成分。59.【参考答案】C【解析】本题考查时态和虚拟语气。insist此处意为"坚持说、坚称"，后接that从句不用虚拟语气，需根据语境判断时态。refused是过去时，且"做错事"发生在坚持之前，用过去完成时更准确，故选haddone。60.【参考答案】A【解析】本题考查冠词用法。remainaquestion是固定表达，意为"仍是疑问"。question此处为可数名词单数，表示泛指，前面需加不定冠词a。61.【参考答案】A【解析】本题考查连词辨析。句意为"尽管经济前景仍不确定，公司仍在投资数字化转型"。while此处表示让步，意为"虽然、尽管"。since和as表示原因，once表示条件，均不符合句意。62.【参考答案】A【解析】本题考查虚拟语气。demand后接that从句时，从句谓语用"(should)+动词原形"，should可省略。financialstatements与audit之间是被动关系，故用beaudited。63.【参考答案】A【解析】本题考查现在完成时的时间状语。句意为"自从十年前从大学毕业后，她一直在银行领域工作"。since后接时间点，for后接时间段，during表示在……期间，while引导时间状语从句。hasworked为现在完成时，since+过去时间点构成固定搭配，故选A。64.【参考答案】A【解析】本题考查虚拟语气。request后接宾语从句时，从句需用虚拟语气，即"should+动词原形"，should可以省略。句中requested为过去式，但虚拟语气结构不变，仍用动词原形follow。故选A。65.【参考答案】B【解析】本题考查非谓语动词。compare与profits之间为被动关系，profits与compare之间是被比的关系，应用过去分词作状语，"comparedto/with"是固定表达，意为"与……相比"。故选B。66.【参考答案】A【解析】本题考查虚拟语气。if条件句表示与现在事实相反的假设，用一般过去时，be动词统一用were。主句用would+动词原形。句意为"如果利率更高，许多借款人将难以偿还贷款"，故选A。67.【参考答案】A【解析】本题考查介词用法。including是介词，意为"包括"，用于列举所包括的内容，后面接名词或名词短语，在此作后置定语修饰services。included作表语时放在所包括的内容之后。故选A。68.【参考答案】A【解析】本题考查将来完成时的被动语态。by+将来时间点，句子用将来完成时，结构为willhavedone。主语platform与use之间为被动关系，故用将来完成时的被动语态willhavebeendone。故选A。69.【参考答案】A【解析】本题考查名词辨析。relationship意为"关系"，为名词；relative意为"亲戚"或形容词"相对的"；relate为动词"联系"；relatively为副词"相对地"。根据语境应填名词relationship，表示银行与客户之间的良好关系。故选A。70.【参考答案】A【解析】本题考查部分倒装。notonly位于句首时，其后分句需使用部分倒装，即将助动词、情态动词或be动词提到主语前面。本句为一般过去时，故用didhecomplete。notonly…butalso…连接两个分句，后半句不倒装。故选A。71.【参考答案】A【解析】本题考查时间状语从句的时态。once引导时间状语从句，主句用将来时，从句用一般现在时表示将来，即"主将从现"原则。主语government为第三人称单数，动词用implements。故选A。72.【参考答案】A【解析】本题考查介词搭配。expressconcernaboutsth.为固定搭配，意为"对某事表示担忧"。其他介词虽可与concern搭配，但含义不同：concernfor表示"对……的关心"，不符合此处语义。故选A。73.【参考答案】A【解析】本题考查动词辨析。maintain意为"维持、保持"，常与marketshare（市场份额）、level（水平）等搭配；sustain意为"支撑、维持"，侧重承受压力不垮掉；preserve意为"保护、保存"，多用于历史遗产、自然环境等；conserve意为"节约、保存"，多用于资源。此处指保持市场份额，用maintain最恰当。故选A。74.【参考答案】A【解析】本题考查动词辨析。reflect意为"反映、体现"，指客观呈现某种情况或事实；represent意为"代表、表现"；describe意为"描述"；reveal意为"揭露、透露"。accounts反映财务状况为固定表达，reflectthefinancialstatus是常见搭配。故选A。75.【参考答案】A【解析】本题考查虚拟语气的倒装结构。had置于句首是虚拟语气的倒装形式，相当于Ifthemanagementhadtakenearlieraction，表示与过去事实相反的假设。主句应为would/could/might+havedone，被动语态为wouldhavebeendone。故选A。76.【参考答案】A【解析】本题考查固定搭配。beresponsiblefor中的for是介词，后接动词时需使用动名词形式，即fordoingsth.。handlecustomercomplaints意为"处理客户投诉"，符合句意。故选A。77.【参考答案】B【解析】本题考查主谓一致。each作主语时，谓语动词用单数形式，排除A和C。eachof+复数名词，谓语动词用单数has。传统语法中each强调个体，对应代词用hisorher（单数），虽然modernusage接受their，但正式考试中B项最为规范。故选B。78.【参考答案】A【解析】本题考查动词搭配。receivefeedback为固定搭配，意为"收到反馈"，符合句意；accept意为"接受"，带有主观意愿色彩；obtain意为"获得"，多指通过努力得到；collect意为"收集"，侧重于汇集。此处强调应用获得用户积极反馈，用receiving最为自然。故选A。79.【参考答案】A【解析】本题考查虚拟语气在名词性从句中的应用。essential后接that从句，从句需用虚拟语气，即"should+动词原形"，should可省略。此处