民生銀行紹興市嵊州市2025秋招筆試英語題專練及答案第一部分：選詞填空（10題，每題1分）directions:Choosethebestwordtofillineachblankfromthefouroptions(A,B,C,D).1.Thenewfinancialregulationswillsignificantly__________thebankingsector'soperationalefficiency.A.enhanceB.diminishC.stabilizeD.fluctuate2.AsaregionalbankinShaoxing,ChinaMerchantsBankneedsto__________localeconomictrendstobetterservesmallbusinesses.A.ignoreB.adapttoC.opposeD.neglect3.Theloanapprovalprocessrequiresstrict__________toensurecompliancewithanti-moneylaunderingpolicies.A.flexibilityB.rigidityC.transparencyD.ambiguity4.OurbranchinShengzhouhasachieveda15%growthindigitalbanking__________sincelastyear.A.adoptionB.rejectionC.resistanceD.hesitation5.Thebank’scustomerserviceteammustmaintainhighlevelsof__________toretainmarketcompetitiveness.A.indifferenceB.professionalismC.incompetenceD.inconsistency6.Theeconomicdownturnhas__________loandemandintheretailsectoracrossZhejiangprovince.A.increasedB.decreasedC.stabilizedD.diversified7.Themobilebankingapphasbeen__________foritsuser-friendlyinterfaceandsecurepaymentfeatures.A.criticizedB.praisedC.ignoredD.dismissed8.Thebank’sriskmanagementdepartmentis__________toidentifyingpotentialfraudcases.A.proactiveB.reactiveC.passiveD.negligent9.Thegovernment’sfinancialsupportpolicywill__________smallandmedium-sizedenterprisesinShaoxing.A.discourageB.encourageC.destabilizeD.weaken10.Thebranchmanageremphasizedtheimportanceof__________indecision-makingtoavoiderrors.A.hasteB.cautionC.negligenceD.recklessness第二部分：閱讀理解（5題，每題2分）directions:Readthepassagebelowandanswerthequestions.Passage:Therapiddevelopmentoffintechhastransformedthebankingindustry,particularlyinregionslikeShaoxing,wheretraditionalfinancialinstitutionsarecompetingwithtech-drivenstartups.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,digitalbankingadoptioninZhejianghassurgedby30%year-on-year.Thisshiftisdrivenbyconsumerpreferencesforconvenienceandefficiency.However,challengesremain.Forinstance,cybersecurityriskshaveincreasedasmoretransactionsmoveonline.BanksinShengzhouhaveinvestedheavilyinAI-drivenfrauddetectionsystemstomitigatethesethreats.Additionally,regulatorycomplianceremainsstringent,requiringbankstobalanceinnovationwithcompliance.Anothertrendisthegrowingfocusongreenfinance.Manybanksintheregionareofferinglow-interestloanstosupportrenewableenergyprojects.ThisalignswithChina’sbroaderenvironmentalgoalsandhasbeenwell-receivedbylocalbusinesses.Despitetheseadvancements,thebankingsectorinShaoxingstillfaceslaborshortages,especiallyintech-relatedroles.Asaresult,manyinstitutionsareexpandingtrainingprogramstoattractandretaintalent.1.Whatisthemainfocusofthepassage?A.Theimpactoffintechonregionalbanking.B.Thegovernment’sfinancialpoliciesinZhejiang.C.ThechallengesofcybersecurityinShaoxing.D.Thegrowthofrenewableenergyprojects.2.Accordingtothepassage,whyhasdigitalbankingadoptionincreasedinShaoxing?A.Duetogovernmentincentives.B.Becauseofconsumerdemandforconvenience.C.Asaresultofincreasedlaborshortages.D.Becausetraditionalbanksarelosingmarketshare.3.WhatmeasuresarebanksinShengzhoutakingtoaddresscybersecurityrisks?A.Reducingonlinetransactions.B.InvestinginAI-drivenfrauddetection.C.Ignoringtheissuefornow.D.Encouragingcustomerstouseofflineservices.4.Howdoesgreenfinancebenefitlocalbusinessesintheregion?A.Itincreasesinterestrates.B.Itprovideslow-interestloansforrenewableenergy.C.Itmandatesstrictenvironmentalregulations.D.Itdiscouragesinvestmentingreenprojects.5.WhatchallengedoesthebankingsectorinShaoxingstillface?A.Highcostsofdigitaltransformation.B.Laborshortagesintech-relatedroles.C.Decreasedcustomersatisfaction.D.Excessiveregulatoryscrutiny.第三部分：完形填空（8題，每題1分）directions:Completethepassagebelowbychoosingthebestwordforeachblank.ThebankingsectorinShaoxinghasundergonesignificantchangesinrecentyears.__________(6),theriseoffintechhasforcedtraditionalbankstoadaptorrisklosingcompetitiveness.Forexample,ChinaMerchantsBank’smobileapphas__________(7)user-friendlyfeatures,makingitapreferredchoiceforyoungprofessionals.Anotherkeytrendisthe__________(8)ofremotebankingservices.Duetothepandemic,manycustomershave__________(9)toonlinetransactions,reducingfoottrafficinphysicalbranches.Thisshifthas__________(10)bankstoinvestinvirtualreality(VR)toolstoenhancecustomerexperience.However,challengespersist.__________(11),cybersecurityremainsatopconcern,asfraudstersexploitnewtechnologiestostealsensitivedata.Banksintheregionhave__________(12)newprotocolstosafeguardcustomerinformation.Moreover,the__________(13)economyhasaffectedloandemand,particularlyintherealestatesector.Asaresult,bankshave__________(14)stricterlendingcriteriatominimizerisks.6.A.ThereforeB.HoweverC.MoreoverD.Despite7.A.introducedB.removedC.criticizedD.ignored8.A.declineB.riseC.expansionD.contraction9.A.shiftedB.declinedC.embracedD.rejected10.A.forcedB.encouragedC.enabledD.restricted11.A.SimilarlyB.ConverselyC.AdditionallyD.Nevertheless12.A.implementedB.ignoredC.delayedD.reduced13.A.sluggishB.boomingC.stableD.volatile14.A.relaxedB.tightenedC.loosenedD.maintained第四部分：翻譯（2題，每題2分）directions:TranslatethefollowingsentencesintoEnglish.1.紹興市作為長(zhǎng)三角經(jīng)濟(jì)圈的重要節(jié)點(diǎn)，近年來吸引了大量金融科技企業(yè)入駐?！鷂_____________________________________________________________________________2.民生銀行在嵊州設(shè)立的分支機(jī)構(gòu)通過數(shù)字化服務(wù)，有效提升了當(dāng)?shù)仄髽I(yè)的融資效率?！鷂_____________________________________________________________________________第五部分：寫作（1題，10分）directions:Writeashortessay(150-200words)onthetopic:"TheRoleofDigitalBankinginRegionalEconomicDevelopment."______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________答案及解析第一部分：選詞填空1.A(enhance)解析：Thenewfinancialregulationswillsignificantlyenhancethebankingsector'soperationalefficiency.(新金融法規(guī)將顯著提升銀行行業(yè)的運(yùn)營(yíng)效率。)2.B(adaptto)解析：AsaregionalbankinShaoxing,ChinaMerchantsBankneedstoadapttolocaleconomictrendstobetterservesmallbusinesses.(作為紹興地區(qū)的銀行，招商銀行需要適應(yīng)當(dāng)?shù)亟?jīng)濟(jì)趨勢(shì)，以更好地服務(wù)中小企業(yè)。)3.C(transparency)解析：Theloanapprovalprocessrequiresstricttransparencytoensurecompliancewithanti-moneylaunderingpolicies.(貸款審批流程需要嚴(yán)格的透明度，以確保符合反洗錢政策。)4.A(adoption)解析：OurbranchinShengzhouhasachieveda15%growthindigitalbankingadoptionsincelastyear.(自去年以來，我行嵊州分行在數(shù)字銀行采用率上增長(zhǎng)了15%。)5.B(professionalism)解析：Thebank’scustomerserviceteammustmaintainhighlevelsofprofessionalismtoretainmarketcompetitiveness.(銀行客服團(tuán)隊(duì)必須保持高水平的專業(yè)性，以保持市場(chǎng)競(jìng)爭(zhēng)力。)6.B(decreased)解析：TheeconomicdownturnhasdecreasedloandemandintheretailsectoracrossZhejiangprovince.(經(jīng)濟(jì)下行導(dǎo)致浙江省零售行業(yè)貸款需求減少。)7.B(praised)解析：Themobilebankingapphasbeenpraisedforitsuser-friendlyinterfaceandsecurepaymentfeatures.(移動(dòng)銀行APP因其用戶友好的界面和安全的支付功能而受到稱贊。)8.A(proactive)解析：Thebank’sriskmanagementdepartmentisproactivetoidentifyingpotentialfraudcases.(銀行的風(fēng)險(xiǎn)管理部門積極主動(dòng)地識(shí)別潛在的欺詐案件。)9.B(encourage)解析：Thegovernment’sfinancialsupportpolicywillencouragesmallandmedium-sizedenterprisesinShaoxing.(政府的金融支持政策將鼓勵(lì)紹興的中小企業(yè)。)10.B(caution)解析：Thebranchmanageremphasizedtheimportanceofcautionindecision-makingtoavoiderrors.(分行行長(zhǎng)強(qiáng)調(diào)了在決策中保持謹(jǐn)慎以避免錯(cuò)誤的重要性。)第二部分：閱讀理解1.A(Theimpactoffintechonregionalbanking.)解析：ThepassageprimarilydiscusseshowfintechhastransformedthebankingindustryinShaoxingandZhejiang.2.B(Becauseofconsumerdemandforconvenience.)解析：Thetextstates,"Thisshiftisdrivenbyconsumerpreferencesforconvenience."3.B(InvestinginAI-drivenfrauddetection.)解析：Thepassagementions,"BanksinShengzhouhaveinvestedheavilyinAI-drivenfrauddetectionsystems."4.B(Itprovideslow-interestloansforrenewableenergy.)解析：Thetextsays,"Manybanksintheregionareofferinglow-interestloanstosupportrenewableenergyprojects."5.B(Laborshortagesintech-relatedroles.)解析：Thepassagenotes,"Manyinstitutionsareexpandingtrainingprogramstoattractandretaintalent."第三部分：完形填空6.A(Therefore)7.A(introduced)8.C(expansion)9.C(embraced)10.C(enabled)11.B(Conversely)12.A(implemented)13.A(sluggish)14.B(tightened)第四部分：翻譯1.AsakeynodeintheYangtzeRiverDeltaeconomiccircle,Shaoxinghasattractedalargenumberoffintechcompaniesinrecentyears.2.ThebranchofChinaMerchantsBankinShengzhouhaseffectivelyimprovedthefinancingefficiencyoflocalenterprisesthroughdigitalservices.第五部分：寫作TheRoleofDigitalBankinginRegionalEconomicDevelopmentDigitalbankinghasbecomeacornerstoneofregionaleconomicdevelopment,particularlyinareaslikeSha