2026北京银行招聘考试（英语）历年参考题库含答案详解

2026北京银行招聘考试（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、Choosethecorrectwordtofillintheblank:Thebankhasdecidedto_itsinterestratesby0.25percentnextmonth.A.raiseB.riseC.aroseD.rose2、Selectthesentencethatisgrammaticallycorrect:A.Eachofthestudentshavecompletedtheirassignments.B.Eachofthestudentshascompletedhisorherassignment.C.Eachofthestudentshavecompletedhisassignment.D.Eachofthestudentshascompletedtheirassignments.3、Whatdoestheword"liquidity"meaninfinancialcontext?A.TheabilitytoearnprofitsB.TheabilitytoconvertassetsintocashquicklyC.ThelevelofdebtobligationsD.Therateofinflation4、Choosetheappropriatepreposition:Thecompanyisresponsible_managingthedailyoperations.A.forB.ofC.withD.on5、Identifythecorrectsentence:A.Despiteoftheheavyrain,theycontinuedwalking.B.Althoughtheheavyrain,theycontinuedwalking.C.Despitetheheavyrain,theycontinuedwalking.D.Inspiteofthatitrainedheavily,theycontinuedwalking.6、Whatisthepastparticipleof"withdraw"?A.WithdrawedB.WithdrawnC.Withdrawen7、Choosethebestword:The_ofthecompanyincreasedby15percentthisyear.A.revenueB.receiptC.resultD.reward8、Selectthecorrectform:IfI_enoughmoney,Iwouldbuyanewcar.A.haveB.hadC.havehadD.having9、Whatistheantonymof"volatile"?A.UnstableB.SteadyC.ChangeableD.Fluctuating10、Choosethecorrectsentence:A.Neitherthemanagernortheassistantswaspresentatthemeeting.B.Neitherthemanagernortheassistantswerepresentatthemeeting.C.Neitherthemanagerortheassistantswerepresentatthemeeting.D.Eitherthemanagernortheassistantswaspresentatthemeeting.11、Theterm"principal"inbankingrefersto:A.TheinterestearnedonaloanB.TheoriginalamountofmoneyborrowedorinvestedC.ThefeechargedforservicesD.Theprofitfrominvestments12、Fillintheblankwiththecorrectconjunction:Heworkedhard,_hefailedtopasstheexam.A.andB.butC.soD.because13、Whichwordbestcompletesthesentence:Theboardofdirectorsmetto_thequarterlyfinancialreport.A.reviewB.reviseC.rewriteD.repeat14、Choosethecorrectpassivevoiceform:Thenewpolicy_bythegovernmentlastweek.A.announcedB.wasannouncedC.hasannouncedD.isannounced15、Whatdoes"ROI"standforinbusiness?A.ReturnonInvestmentB.RateofInterestC.RiskofInvestmentD.RevenueOnline16、Selectthesentencewithcorrectpunctuation:A.Thebank,whichwasfoundedin1990,hasgrownsignificantly.17、Whatisthemeaningof"amortization"?A.TheprocessofearninginterestB.TheprocessofpayingoffdebtovertimeC.TheprocessofincreasingassetsD.Theprocessofcalculatingtaxes18、Choosethewordthatbestfits:Thecentralbankaimstomaintain_intheeconomy.A.stabilityB.instabilityC.volatilityD.fluctuation19、Identifythecorrectcomparativeform:Thisbranchis_thantheonedowntown.A.moreprofitableB.mostprofitableC.profitablerD.asprofitable20、Whatdoes"fiduciary"mean?A.RelatedtolendingmoneyB.InvolvingtrustorconfidenceinfinancialmattersC.ConcernedwithforeignexchangeD.Relatingtostocktrading21、Choosethebestanswertocompletethesentence:ThemanagerdemandedthatallthereportsbyFriday.A.besubmittedB.willbesubmittedC.aresubmittedD.shouldsubmit22、Selectthecorrectword:Thecompanyhasinvestedheavilyinnewtechnology,isexpectedtoboostproductivity.A.thatB.whichC.whoD.what23、Choosethebestoption:theweatherwasterrible,wedecidedtocanceltheoutdoorevent.A.BecauseofB.DuetoC.SinceD.Asaresult24、Fillintheblank:Neithertheemployeesnorthemanagerawareofthechangesinpolicy.A.wereB.wasC.havebeenD.arebeing25、Choosethecorrectsentence:A.Shedoesn'tusedtogojogging.B.Shedidn'tusetogojogging.C.Sheisn'tusetogojogging.D.Shenotusedtogojogging.26、Selectthemostappropriateword:Thebank'sprofitshaveincreasedoverthepastfiscalyear.A.substantialB.substantiallyC.substanceD.substantiate27、Choosethebestanswer:Bythetimethemeeting,alltheshareholdershadalreadyarrived.A.startedB.startsC.hadstartedD.hasstarted28、Fillintheblank:Itisessentialthateveryemployeethesafetyguidelinesbeforestartingwork.A.followsB.followC.followedD.willfollow29、Choosethecorrectwordtocompletethesentence:Thedirectoraskedthattheprojectimmediately.A.bestartedB.isstartedC.willbestartedD.wasstarted30、Selectthebestanswer:Hardlythestationwhenthetraindeparted.A.IhadreachedB.hadIreachedC.IreachedD.didIreach31、Choosethecorrectoption:TheCEOinsistedthathenothingwrongwiththetransaction.A.hasdoneB.haddoneC.havedoneD.woulddo32、Fillintheblank:therisingcosts,thecompanymanagedtomaintainitsprofitmargins.A.AlthoughB.DespiteC.EvenD.However33、Choosethebestanswer:Thereport,togetherwiththeappendices,duenextMonday.A.areB.isC.wereD.havebeen34、Selectthecorrectsentence:A.IwishIcanspeakFrenchfluently.B.IwishIcouldspeakFrenchfluently.C.IwishIcanspokeFrenchfluently.D.IwishIcouldspokeFrenchfluently.35、Choosethebestoption:Thenewlyappointedfinancialanalystisreputedexceptionalanalyticalskills.A.havingB.tohaveC.tohavingD.forhaving36、Fillintheblank:Shedidn'trealizesheherwalletuntilshegottothebank.A.leavesB.hasleftC.hadleftD.wouldleave37、Choosethecorrectword:Theboardofdirectors_consideringamergerwitharivalfirm.A.isB.areC.haveD.has38、Selectthebestanswer:Bynextyear,thebankanewdigitalpaymentsystem.A.willlaunchB.willhavelaunchedC.launchesD.islaunching39、Choosethecorrectoption:Themanagersuggestedthatthestaffextrahoursthisweekend.A.worksB.workC.workedD.working40、Fillintheblank:Notonlythebudgetcorrectly,buthealsopresenteditclearly.A.hecalculatedB.didhecalculateC.hedidcalculateD.calculatedhe41、Whichofthefollowingsentencesusesthecorrectverbform?A.Thebankhasbeenclosedsinceyesterday.B.Thebankhavebeenclosedsinceyesterday.C.Thebankwasbeingclosedsinceyesterday.D.Thebankhadbeenclosedsinceyesterday.42、ThemanagerrequestedthatallthereportsbyFriday.A.becompletedB.arecompletedC.willbecompletedD.werecompleted43、Choosethebestwordtofillintheblank:Thecompany'sprofitssignificantlyoverthepastyear.A.increasedB.haveincreasedC.hadincreasedD.increasing44、IfIricher,Iwouldtravelaroundtheworld.A.amB.wasC.wereD.be45、Thenewpolicyaimstothegapbetweenrichandpoor.A.narrowB.widenC.broadenD.enlarge46、Notonlythestudentsbutalsotheteacherawareofthenewregulations.A.isB.areC.wereD.havebeen47、Theeconomicdatasuggeststhatthemarketimprovinggradually.A.isB.wasC.hasbeenD.hadbeen48、Choosethecorrectsentence:A.Noneoftheinformationarereliable.B.Noneoftheinformationisreliable.C.Noneofinformationsisreliable.D.Noneofinformationsarereliable.49、TheCEOdecidedtothemergeraftercarefulconsideration.A.proceedwithB.proceedC.proceedtoD.proceedon50、Bytheendoflastyear,thebankover200newbranches.A.hadopenedB.hasopenedC.openedD.wasopening51、Theword"liquidity"infinancialcontextmostlikelymeans:A.theabilitytopaydebtsastheyfalldueB.theamountofcashstoredinthevaultC.thespeedofloanapprovalprocessD.therateofinterestchargedondeposits52、Whichsentencecorrectlyusesarelativeclause?A.Themanwhichisstandingthereisourmanager.B.Themanwhoisstandingthereisourmanager.C.Themanwhoseisstandingthereisourmanager.D.Themanwhomisstandingthereisourmanager.53、Theboardofdirectorsmeetingtodiscussthequarterlyresults.A.ishavingB.arehavingC.haveD.werehaving54、Shespokeinsuchaclearvoiceeveryonecouldunderstandher.A.thatB.whichC.whatD.as55、Theterm"inflation"refersto:A.ageneralincreaseinpricesandafallinthepurchasingvalueofmoneyB.adecreaseinthetotalamountofgoodsavailableC.anincreaseinexportswithoutincreasingimportsD.asituationwheresupplyequalsdemand56、Neitherthedirectornortheassistantsresponsibleforthemistake.A.isB.areC.wasD.havebeen57、Theanalystpredictedthatthestockpriceswouldsharplyaftertheannouncement.A.surgeB.dropC.stabilizeD.flatten58、Hehasbeenworkinghere2015.A.sinceB.forC.fromD.during59、Thefinancialreportwassothateventhebeginnerscouldunderstandit.A.straightforwardB.complicatedC.ambiguousD.sophisticated60、TheCentralBanktheinterestratelastmonthtocontrolinflation.A.raisedB.aroseC.roseD.arised61、Choosethecorrectsentence.A.Shedon'tlikecoffee.B.Shedoesn'tlikescoffee.C.Shedoesn'tlikecoffee.D.Shenotlikecoffee.62、Theword"ubiquitous"isclosestinmeaningto.A.rareB.everywhereC.difficultD.unusual63、Selecttheappropriatewordtocompletethesentence:ThecompanyplanstoitsoperationsintheAsianmarket.A.expandB.exceedC.exposeD.extinguish64、Iftheweatherbetter,wewouldhavegonetothepark.A.wasB.hadbeenC.hasbeenD.werebeen65、ThemanagerdemandedthatallreportsbyFriday.A.besubmittedB.aresubmittedC.willbesubmittedD.weresubmitted66、Choosethecorrectindirectspeech:Shesaid,"Iamworkingontheproject."A.Shesaidthatsheisworkingontheproject.B.Shesaidthatshewasworkingontheproject.C.Shesaidthatsheworksontheproject.D.Shesaidthatshehasworkedontheproject.67、Theword"mitigate"means.A.increaseB.intensifyC.relieveD.worsen68、Neitherthestudentsnortheteacherpresentatthemeeting.A.wereB.wasC.areD.havebeen69、Thedocumentneedstobebeforeitcanbesubmitted.A.reviewedB.reviewingC.toreviewD.beingreviewed70、Theword"benevolent"ismostnearlyoppositeinmeaningto.A.kindB.cruelC.generousD.charitable71、Bythetimethemeeting,allthedocumentshadbeendistributed.A.beganB.hadbegunC.hasbegunD.wouldbegin72、Theofthenewpolicywilltakeeffectnextmonth.A.implementationB.implementC.implantD.impel73、HespeaksEnglishthanhissister.A.fluentB.fluentlyC.morefluentD.morefluently74、Theword"ephemeral"means.A.lastingforeverB.short-livedC.heavyD.solid75、Thecommittee_tenmembers,buttwohaverecentlyresigned.A.consistsofB.isconsistedofC.consistofD.consistedof76、Despitetheheavyrain,continuedtoarriveatthevenueontime.A.noneoftheattendeesB.alltheattendeesC.mostofattendeesD.manyattendees77、Thesecretarywasaskedtothemeetingminutesandsendthemtoallstaff.A.distributeB.distinguishC.differentiateD.diminish78、Theprofessorinsistedthateverystudenttheassignmentontime.A.submitB.submitsC.submittedD.willsubmit79、Thebetweenthetwocountrieshasledtoincreasedtradecooperation.A.deteriorationB.reconciliationC.confrontationD.disturbance80、Notonlytotheproject,buthealsocontributedfinancially.A.didhedevotehimselfB.hedevotedhimselfC.hediddevotehimselfD.hewasdevoted81、Theoftheaccidentwasattributedtopoormaintenance.A.reasonB.causeC.resultD.effect82、TheCEOannouncedthatthecompanyamajorrestructuringnextquarter.A.willundergoB.wouldundergoC.underwentD.undergoes83、Theword"pragmatic"isclosestinmeaningto.A.idealisticB.practicalC.theoreticalD.fantastic84、Itisessentialthatthereportaccurateandfreeoferrors.A.beB.isC.willbeD.was85、Theofthenewsoftwarehassignificantlyimprovedourworkefficiency.A.adoptionB.acheC.aidD.accident86、Thedatashowsthatsalesby15percentsincelastyear.A.haveincreasedB.hadincreasedC.increasedD.areincreasing87、Thebankiscommittedtosustainablefinancialservicestoitscustomers.A.providingB.provideC.toprovideD.beingprovided88、Theauditorrequestedthatallfinancialrecordsforfurtherexamination.A.beproducedB.beingproducedC.tobeproducedD.wereproduced89、Theword"resilient"isbestdescribedas.A.frailB.toughC.weakD.vulnerable90、Theboardofdirectorsapprovedtheplanamajorityvote.A.byB.withC.throughD.amid91、Thebanktoexpanditsdigitalbankingplatformoverthepastthreeyears.A.hasbeenworkingB.isworkingC.workedD.wasworking92、Theword"comprehensive"means.A.partialB.thoroughC.narrowD.shallow93、Hadthemanagerearlier,thecrisiscouldhavebeenavoided.A.intervenedB.interferedC.referredD.deferred94、Theannualreportbytheendofthismonth,asrequiredbytheregulations.A.mustbesubmittedB.mustsubmitC.shouldsubmitD.shouldbesubmitting95、Theword"alleviate"isoppositeinmeaningto.A.easeB.aggravateC.reliefD.improve96、Thetreasurerreportedthatthefundenoughtocovertheprojectedexpenses.A.wouldbeB.wasC.hadbeenD.hasbeen97、Thenewpolicyaimstofinancialliteracyamongyoungpeopleinruralareas.A.promoteB.progressC.proceedD.profit98、Thedecisionmadebytheboardshockedeveryoneinthecompany.A.controversialB.controversyC.controversiallyD.controve99、Shethecontractassoonasshefinishesreviewingit.A.willsignB.signsC.signedD.wouldsign100、Theofenvironmentalconcernshasledmanycompaniestoadoptgreenpractices.A.growingB.growC.grownD.grows

参考答案及解析1.【参考答案】A【解析】raise是及物动词，表示"提高、增加"，后面可以接宾语interestrates。rise是不及物动词，不能接宾语。arose是arise的过去式，表示"出现、产生"。rose是rise的过去式。句意：银行已决定下月将利率提高0.25个百分点。根据语法结构和句意，应选及物动词raise。2.【参考答案】B【解析】each作主语时，谓语动词用单数形式has。eachofthestudents表示"每个学生"，谓语用单数。选项A和C中have使用错误。选项D虽然has正确，但their与each的指代不够严谨。B选项中hisorher与each保持单数一致，语法最为规范。句意：每个学生都完成了自己的作业。3.【参考答案】B【解析】liquidity（流动性）在金融领域指资产能够迅速转换为现金而不损失价值的能力。高流动性意味着资产可以快速变现。盈利能力用profitability表示，债务义务用debtobligations，通货膨胀率用inflationrate。理解金融术语是银行业务的基础知识。4.【参考答案】A【解析】beresponsiblefor是固定搭配，表示"对……负责"。responsibleof不是标准搭配。responsiblewith和responsibleon均不符合英语习惯用法。句意：公司负责管理日常运营。掌握常见介词搭配对于准确表达至关重要。5.【参考答案】C【解析】despite是介词，后面直接跟名词或名词短语，不需要加of。although是连词，后面要跟从句。inspiteof等于despite，也是介词短语。选项A错误添加了of。选项Balthough不能直接跟名词短语。选项D结构混乱。句意：尽管下着大雨，他们仍然继续前行。6.【参考答案】B【解析】withdraw是不规则动词，其过去式为withdrew，过去分词为withdrawn。选项A和C的withdrawed是错误的规则变化形式。选项D的withdrawen也不正确。该词意为"提取、取款、撤回"，在银行业务中常用，如withdrawmoney表示取款。7.【参考答案】A【解析】revenue指"收入、收益"，是企业经营活动产生的总收入。receipt指"收据、收到"。result指"结果"。reward指"奖励、报酬"。句意：公司的收入今年增长了15%。在财务语境中，revenue是最恰当的词汇选择。8.【参考答案】B【解析】这是虚拟条件句，表示与现在事实相反的假设。if从句用过去式，主句用would+动词原形。句意：如果我有足够的钱，我就会买一辆新车。have改为had表示这是对现在的虚拟。选项A用于真实条件句。选项C和D形式均不符合虚拟语气规则。9.【参考答案】B【解析】volatile意为"不稳定的、易变的"，常用于描述市场或化学物质的特性。其反义词steady意为"稳定的、持续的"。unstable、changeable、fluctuating均为volatile的近义词，而非反义词。在金融领域，volatilemarket指波动剧烈的市场。10.【参考答案】B【解析】neither...nor连接两个主语时，谓语动词遵循就近原则。assistants是复数，故谓语用were。选项A中was与最近的assistants不一致。选项C中either应与or搭配。选项D中either与nor搭配错误。句意：经理和助理都没有参加会议。11.【参考答案】B【解析】principal（本金）指最初借入或投资的金额，不包括利息。interest（利息）是借贷成本。fee（费用）是服务费。profit（利润）是投资收益。理解这些基本概念对银行业务至关重要。例如，本金10000元，年利率5%，一年后本息合计10500元。12.【参考答案】B【解析】and表示并列关系。but表示转折关系。so表示因果关系。because表示原因。句中前后分句存在转折关系：努力工作了，但考试没通过。句意：他努力学习，但没能通过考试。选择适当的连词可以使句子逻辑清晰、表达准确。13.【参考答案】A【解析】review意为"审查、复查"，符合董事会审阅财务报告的情境。revise意为"修改、修订"。rewrite意为"重写"。repeat意为"重复"。董事会通常是审阅财务报告，而非修改或重写。句意：董事会召开会议审阅季度财务报告。14.【参考答案】B【解析】时间状语lastweek表明动作发生在过去，应用一般过去时。policy是被公布的，需用被动语态was/were+过去分词。主语policy是单数，故用wasannounced。选项A缺少助动词。选项C是主动语态现在完成时。选项D是一般现在时被动语态，与时间状语不符。15.【参考答案】A【解析】ROI是ReturnonInvestment的缩写，意为"投资回报率"，是衡量投资效益的重要指标。计算公式为：投资回报率=（投资收益-投资成本）/投资成本×100%。选项B是利率。选项C是投资风险。选项D无此含义。ROI是商业和财务管理中的核心概念。16.【参考答案】A【解析】which引导的非限制性定语从句需要用逗号与主句隔开。从句内容是对主语的补充说明，删去后主句意思仍然完整。选项A正确使用了逗号分隔。选项B和C缺少必要的逗号。选项D逗号位置错误。句意：这家成立于1990年的银行已显著发展。17.【参考答案】B【解析】amortization（摊销）指将贷款或债务分期偿还的过程，也可指无形资产的价值分期递减。选项A是赚取利息的过程。选项C是增加资产的过程。选项D是计算税款的过程。房贷摊销表展示了每期还款中本金和利息的分配情况。18.【参考答案】A【解析】centralbank（中央银行）的目标是维持经济稳定。stability意为"稳定"，符合语境。instability意为"不稳定"。volatility意为"波动性"。fluctuation意为"起伏、波动"。后三个词均不符合中央银行的政策目标。句意：中央银行旨在维持经济稳定。19.【参考答案】A【解析】than表明需要比较级形式。profitable是多音节形容词，比较级在前面加more。mostprofitable是最高级。profitabler形式错误。asprofitable用于as...as结构。句意：这家分行比市中心的分行更有利可图。掌握形容词比较级规则有助于准确表达。20.【参考答案】B【解析】fiduciary意为"受托的、信托的"，指基于信任关系的财务安排。fiduciaryduty指受托责任。选项A与贷款相关。选项C与外汇相关。选项D与股票交易相关。fiduciary是法律和金融领域的重要概念，强调信任与责任。21.【参考答案】A【解析】本题考查虚拟语气。demand后接宾语从句时，从句谓语需用虚拟语气，结构为"(should)+动词原形"。被动语态为shouldbesubmitted，should可省略，故选A。22.【参考答案】B【解析】本题考查定语从句。逗号后为非限制性定语从句，先行词是technology或整个主句，指物且非限制性定语从句不能用that引导，故选which。who用于指人，what不能引导定语从句。23.【参考答案】C【解析】本题考查连词辨析。空格后是完整句子"theweatherwasterrible"，需要能引导从句的从属连词。Since和As均可表示"因为"，引导原因状语从句。Becauseof和Dueto后接名词性成分，Asaresult后需接完整句子且前面通常用句号或分号。故选C。24.【参考答案】B【解析】本题考查主谓一致。Neither...nor连接主语时，谓语动词与最近的主语保持一致。manager是单数，故谓语用单数形式was。句意为"员工和管理层都不知道政策的改变"。25.【参考答案】B【解析】本题考查usedto句型。usedto表示过去的习惯或状态，否定形式为didn'tuseto（use恢复原形）。A项used应为use，C项isn't用法错误，D项缺少助动词。故选B。26.【参考答案】B【解析】本题考查词性辨析。空格修饰动词increased，需用副词。substantial是形容词，substantially是副词，substance是名词，substantiate是动词。故选B。27.【参考答案】C【解析】本题考查时态。bythetime引导时间状语从句，主句用过去完成时hadarrived，从句也用过去完成时，表示"在会议开始之前股东们已经到达"。故选C。28.【参考答案】B【解析】本题考查虚拟语气。essential、important、necessary等形容词后的that从句需用虚拟语气，谓语为"(should)+动词原形"。everyemployee虽为单数，但虚拟语气中动词用原形follow。故选B。29.【参考答案】A【解析】本题考查虚拟语气。ask后接宾语从句时，从句谓语用虚拟语气"(should)+动词原形"。project与start之间为被动关系，故选bestarted。should可省略。30.【参考答案】B【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，即把助动词had提到主语前。时态为过去完成时。故选B。31.【参考答案】B【解析】本题考查时态和虚拟语气的区别。insist意为"坚持认为"时，后接陈述事实的宾语从句，不用虚拟语气，需用相应时态。主句为过去时insisted，从句应用过去完成时haddone。故选B。32.【参考答案】B【解析】本题考查介词和连词的用法。risingcosts是名词短语，需要用介词。despite是介词，后接名词短语，意为"尽管"。although和however后接从句，even不能直接接名词短语。故选B。33.【参考答案】B【解析】本题考查主谓一致。当主语后跟togetherwith、alongwith、aswellas等短语时，谓语动词与主语保持一致。report是单数，故用is。句意为"报告和附录下周一提交"。34.【参考答案】B【解析】本题考查虚拟语气。wish后接宾语从句表示与现在事实相反的愿望，从句谓语用过去时态。speak的过去式为spoke，但虚拟语气中用could+动词原形表示能力。故选B。35.【参考答案】B【解析】本题考查非谓语动词。bereputedtodosth.意为"据说是做某事"，为固定搭配。此处reputed后用不定式作主语补足语。故选B。36.【参考答案】C【解析】本题考查时态。"leavewallet"的动作发生在"realize"之前，即过去的过去，应用过去完成时。get到银行是过去时，丢钱包更早发生，用hadleft。故选C。37.【参考答案】B【解析】本题考查主谓一致。boardofdirectors作主语时，当强调成员个体时用复数谓语，强调整体时用单数。此处"areconsidering"强调各位董事各自在考虑，用复数谓语。故选B。38.【参考答案】B【解析】本题考查将来完成时。by+将来时间，主句用将来完成时willhavedone，表示到将来某一时间之前已经完成的动作。句意为"到明年，银行将已经推出新的数字支付系统"。故选B。39.【参考答案】B【解析】本题考查虚拟语气。suggest意为"建议"时，后接宾语从句需用虚拟语气"(should)+动词原形"，should可省略。故用work。works为主谓不一致，worked和working均不符合虚拟语气结构。40.【参考答案】B【解析】本题考查倒装句。notonly置于句首时，其所在分句需用部分倒装，即将助动词did提前到主语前，谓语动词恢复原形calculate。故选B。41.【参考答案】A【解析】本题考查现在完成进行时的用法。主语Thebank为单数，谓语动词需用has。since引导的时间状语常与完成时连用，表示从过去某一时刻持续到现在的动作或状态。选项B主谓不一致；选项C和D的时态不符合since的用法。句意为"银行自昨天起一直处于关闭状态"，因此选A。42.【参考答案】A【解析】本题考查虚拟语气。request后接宾语从句时，从句谓语动词用"(should)+动词原形"形式，should可省略。本句中所有报告被完成，需用被动语态，因此选becompleted。选项B、C、D均不符合虚拟语气的规则要求。句意为"经理要求所有报告在周五前完成"。43.【参考答案】B【解析】本题考查现在完成时的用法。overthepastyear表示从过去一年持续到现在的时间段，强调动作对现在的影响或结果，需用现在完成时。主语company'sprofits为复数，助动词用have。选项A为一般过去时，不与过去年份搭配；选项C为过去完成时，需有明确的过去参照点；选项D为非谓语形式，不能单独作谓语。因此选B。44.【参考答案】C【解析】本题考查虚拟语气中if条件句的用法。与现在事实相反的假设，if从句中用动词过去式，be动词通常用were，尤其在正式文体中。主句用would+动词原形。句意为"如果我有钱，我会环游世界"。选项A为一般现在时；选项B虽然在口语中偶见，但正式文体中应用were；选项D不符合语法结构。因此选C。45.【参考答案】A【解析】本题考查动词词义辨析。narrowthegap是固定搭配，意为"缩小差距"。句意为"新政策旨在缩小贫富差距"。选项Bwiden和Cbroaden均意为"扩大、变宽"，与句意相反；选项Denlarge意为"放大、扩大"，多用于图片或空间。根据句意逻辑，选A。46.【参考答案】A【解析】本题考查主谓一致。notonly...butalso连接两个主语时，谓语动词与最近的主语保持一致（就近原则）。本题中最近的主语是theteacher（单数），因此谓语动词用单数形式is。句意为"不仅学生们，老师也意识到了新规定"。选项B、C、D均为复数形式，不符合就近原则。因此选A。47.【参考答案】A【解析】本题考查时态和语态。suggests意为"表明、暗示"，其后宾语从句陈述的是当前情况，用一般现在时即可。marketimproving构成进行时态，表示市场正在逐步改善。句意为"经济数据表明市场正在逐步改善"。选项B为一般过去时；选项C为现在完成进行时；选项D为过去完成进行时，均不如一般现在时简洁准确。因此选A。48.【参考答案】B【解析】本题考查不定代词none作主语时的主谓一致及不可数名词用法。information为不可数名词，没有复数形式，排除C、D。none作主语时，谓语动词可用单数或复数，但当所指代的是不可数名词时，谓语动词用单数。句意为"所有信息都不可靠"。因此选B。49.【参考答案】A【解析】本题考查动词短语辨析。proceedwith意为"继续进行、着手做某事"，后接名词，表示继续做某项工作或活动。句意为"CEO经过慎重考虑后决定推进合并事宜"。选项Bproceed不及物，需加介词；选项Cproceedto后接动词原形；选项D不符合习惯用法。因此选A。50.【参考答案】A【解析】本题考查过去完成时的用法。bytheendoflastyear是过去完成时的标志词，表示在过去某一时间之前已经完成的动作。句意为"到去年年底，银行已开设超过200家新支行"。选项B现在完成时与过去时间状语矛盾；选项C一般过去时不强调截止时间前的完成；选项D过去进行时不符合语境。因此选A。51.【参考答案】A【解析】本题考查金融术语含义。liquidity（流动性）指资产能够迅速转换为现金而不损失价值的特性，也指企业偿还到期债务的能力。选项A"偿还到期债务的能力"准确表达了流动性的核心含义；选项B指库存现金量；选项C指贷款审批速度；选项D指存款利率。因此选A。52.【参考答案】B【解析】本题考查定语从句的关系代词用法。先行词theman指人，在从句中作主语，应使用who。which用于指物；whose表示所属关系；whom在从句中作宾语。句意为"站在那里的那个人是我们的经理"。选项A误用which；选项C误用whose；选项D误用whom（从句缺主语）。因此选B。53.【参考答案】A【解析】本题考查集合名词的主谓一致。boardofdirectors（董事会）作为整体看待时，谓语动词用单数；强调成员个体时用复数。本句中董事会作为一个整体召开会议，用单数is。句意为"董事会正在召开会议讨论季度业绩"。选项B强调个体时用复数，但此处更强调整体；选项C时态不对；选项D为过去进行时。因此选A。54.【参考答案】A【解析】本题考查结果状语从句的引导词。such...that...是固定搭配，意为"如此……以至于……"，that引导结果状语从句。句意为"她说话声音如此清晰，以至于每个人都能理解她"。选项B、C不能与such搭配构成结果状语；选项as与so搭配表程度，不与such搭配。因此选A。55.【参考答案】A【解析】本题考查经济学基本概念。inflation（通货膨胀）指物价总水平持续上涨、货币购买力下降的经济现象。选项A准确描述了这一概念；选项B指物资短缺；选项C描述贸易顺差；选项D指市场均衡状态。因此选A。56.【参考答案】B【解析】本题考查主谓一致中的就近原则。neither...nor连接两个主语时，谓语动词与最近的主语保持一致。本题中最近的主语是assistants（复数），因此谓语动词用复数are。句意为"导演和助手都对这次失误负有责任"。选项A、C为单数形式；选项D时态不符。因此选B。57.【参考答案】A【解析】本题考查动词词义辨析及语境理解。surge意为"激增、汹涌"，sharply修饰其表示"急剧上升"。句意为"分析师预测公告后股价将急剧上涨"。选项Bdrop意为下跌，与预测方向不符；选项Cstabilize意为稳定；选项Dflatten意为变平。根据语境逻辑选A。58.【参考答案】A【解析】本题考查时间介词的用法。since后接具体的时间点，表示从过去某一时刻持续到现在的动作，常与现在完成时或现在完成进行时连用。for后接时间段。from...to/from...until表示从某时间到某时间。during表示在某一时间段内。句中2015是时间点，且句中有现在完成进行时hasbeenworking，因此用since。句意为"他从2015年起就在这里工作"。因此选A。59.【参考答案】A【解析】本题考查形容词词义辨析。straightforward意为"直截了当的、简明易懂的"，与后半句"初学者也能看懂"逻辑一致。句意为"这份财务报告非常简明易懂，甚至连初学者都能理解"。选项Bcomplicated意为复杂的；选项Cambiguous意为模糊不清的；选项Dsophisticated意为深奥的、复杂的，均与句意相悖。因此选A。60.【参考答案】A【解析】本题考查动词辨析。raise是及物动词，意为"提高、举起"，后接宾语interestrate。arise是不及物动词，意为"出现、产生"，无被动语态和及物用法，过去式为arose。rise是不及物动词，意为"上升"，后不能接宾语。arise的过去分词为arisen，不存在arised形式。句意为"央行上个月提高了利率以控制通货膨胀"。因此选A。61.【参考答案】C【解析】主语She为第三人称单数，否定句需借助助动词does，doesnot缩写为doesn't，其后接动词原形like。A项助动词用错，B项likes错误应用原形，D项缺少助动词，故选C。62.【参考答案】B【解析】ubiquitous意为"无处不在的"，与everywhere词义最接近。rare意为稀有的，difficult意为困难的，unusual意为不寻常的，均不符合该词含义。该词常用于描述某事物在任何地方都能被发现或存在。63.【参考答案】A【解析】expand意为"扩展、扩大"，expanditsoperations表示扩大业务运营，符合语境。exceed意为超过，expose意为暴露，extinguish意为熄灭，均不合句意。句意为公司计划扩展其在亚洲市场的业务。64.【参考答案】B【解析】本句为与过去事实相反的虚拟语气，主句使用wouldhavedone，从句需用过去完成时had+过去分词。weather为不可数名词，故用hadbeen。was用于与现在相反的情况，werebeen语法错误。65.【参考答案】A【解析】demand后接宾语从句时需用虚拟语气，结构为"(should)+动词原形"，应选项A的besubmitted符合此规则。其他选项均不符合虚拟语气的要求，故选A。66.【参考答案】B【解析】直接引语变间接引语时，一般现在进行时(amworking)需变为过去进行时(wasworking)，人称I变为she，故选B。A项未进行时态调整，C项时态错误，D项时态转换不正确。67.【参考答案】C【解析】mitigate意为"减轻、缓和"，与relieve词义最接近。increase意为增加，intensify意为加强，worsen意为恶化，均与该词含义相反或无关。该词常用于"mitigaterisks"（降低风险）等表达。68.【参考答案】B【解析】neither...nor连接主语时，谓语动词遵循"就近原则"，靠近的主语theteacher为单数，故谓语用单数形式was。句意为老师和学生们都没有出席会议。69.【参考答案】A【解析】need用作实义动词时，其后接动词需用动名词主动形式或不定式被动形式；但本句中document为物，需用被动语态，即"needtobedone"结构，故选reviewed。B项为主动形式不符，C项缺少to，D项不符合语法结构。70.【参考答案】B【解析】benevolent意为"仁慈的、善意的"，其反义词为cruel（残忍的）。kind（仁慈的）和generous（慷慨的）与其近义，charitable（慈善的）亦相近，只有cruel构成反义关系。71.【参考答案】A【解析】bythetime引导时间状语从句时，若主句用过去完成时，从句用一般过去时，表示在某个过去时间点之前已完成的动作。begun为过去分词不能单独作谓语，故选A。句意为会议开始时所有文件已被分发。72.【参考答案】A【解析】implementation意为"实施、执行"，为名词，符合句意"新政策的实施将于下月生效"。implement为动词"实施"，implant意为"移植、植入"，impel意为"推动、驱使"，均不符合语境。73.【参考答案】D【解析】修饰动词speaks需用副词，fluently为副词形式，比较级加more构成morefluently。fluent为形容词，不能修饰动词，morefluent既为形容词比较级也不符合语法。句意为他比姐姐说英语更流利。74.【参考答案】B【解析】ephemeral意为"短暂的、转瞬即逝的"，与short-lived词义最接近。lastingforever意为永久的，heavy意为沉重的，solid意为固体的，均不符合该词含义。该词常用于文学和学术语境中。75.【参考答案】A【解析】consistof意为"由……组成"，为固定搭配，无被动语态，主语committee为单数集体名词，谓语用第三人称单数consists，故选A。B项被动形式错误，C项缺少第三人称单数变化，D项时态不符。76.【参考答案】A【解析】despite表示让步，句意为尽管下着大雨，但仍有参会人员按时到场。noneoftheattendees意为"没有一个参会者"，与despite形成逻辑上的让步关系最为合理。B项与despite语义矛盾，C项缺少the，D项语法不完整。77.【参考答案】A【解析】distribute意为"分发、分配"，distributethemeetingminutes表示分发会议纪要，符合语境。distinguish意为区分，differentiate意为辨别，diminish意为减少，均不符合句意。句意为秘书被要求分发会议纪要并发送给全体职员。78.【参考答案】A【解析】insist作"坚持要求"讲时，后接宾语从句需用虚拟语气，结构为"(should)+动词原形"，should可省略，直接用动词原形submit，故选A。B项为第三人称单数形式，C项为过去式，D项为将来时，均不符合虚拟语气规则。79.【参考答案】B【解析】reconciliation意为"和解、调和"，两国之间的和解促成贸易合作的加强，符合逻辑。deterioration意为恶化，confrontation意为对抗，disturbance意为干扰，均与"increasedtradecooperation"结果不符。故选B。80.【参考答案】A【解析】notonly置于句首时