民生銀行金華市婺城區(qū)2025秋招筆試英語題專練及答案一、選詞填空（共10題，每題1分）說明：從下列選項中選出最適合填入空白處的單詞，每題只有一個正確答案。1.Therapiddevelopmentofdigitalbankinghas______thetraditionalfinanciallandscapeinChina.A.revolutionizedB.complicatedC.supportedD.limited2.Asaregionalbank,MinshengBankfocuseson______theneedsoflocalbusinessesandindividualsinZhejiangProvince.A.ignoringB.meetingC.delayingD.ignoring3.Thenewmobilebankingappaimsto______customerexperiencebyintegratingAI-poweredchatbots.A.degradeB.enhanceC.neglectD.replace4.WhichofthefollowingisakeychallengeforbanksinruralareaslikeCixi?A.HighprofitmarginsB.LowtechnologicaladoptionC.ExcessiveregulatoryoversightD.Overstaffing5.Thebank’ssustainabilitystrategyincludesreducingitscarbonfootprintthroughenergy-efficientoperations.A.environmentallyfriendlyB.financiallyriskyC.operationallyinefficientD.customer-focused6.The婺城區(qū)governmentrecentlyannouncedincentivesto______localbanksexpandtheirbranchesinthearea.A.discourageB.encourageC.limitD.oppose7.Blockchaintechnologyisexpectedto______thesecurityoffinancialtransactions.A.weakenB.strengthenC.ignoreD.undermine8.MinshengBank’scustomerserviceteamistrainedtohandleinquirieswithhighlevelsof______.A.frustrationB.professionalismC.dishonestyD.indifference9.Thebank’sannualreporthighlightsitscommitmentto______innovationinfintech.A.resistingB.fosteringC.avoidingD.criticizing10.Theriseofonlinebankinghas______thedemandforphysicalbranchservices.A.increasedB.decreasedC.stabilizedD.fluctuated二、閱讀理解（共5題，每題2分）說明：閱讀以下短文，然后根據(jù)短文內(nèi)容回答問題。每題只有一個最佳答案。Passage1ThebankingsectorinZhejiangProvincehasbeenundergoingsignificanttransformationsduetotechnologicaladvancements.TraditionalbankslikeMinshengBankareadaptingbyintegratingdigitalsolutionstoimproveefficiencyandcustomersatisfaction.Forinstance,thebankhaslaunchedamobileappthatallowscustomerstoperformtransactions,paybills,andaccessfinancialadviceseamlessly.However,challengesremain,suchasthedigitaldivideinruralareaswheremanyelderlycustomersstillpreferface-to-faceinteractions.Toaddressthis,thebankhasintroducedofflinetrainingsessionstoeducateolderadultsonusingdigitalbankingtools.Additionally,thebankisexploringpartnershipswithlocalgovernmentstopromotefinancialliteracyinunderservedcommunities.Questions1.WhatisthemainfocusofMinshengBank’sdigitaltransformationefforts?A.IncreasingprofitmarginsB.ExpandingphysicalbranchesC.ImprovingdigitalbankingservicesD.Reducingoperationalcosts2.Whydoelderlycustomersinruralareasprefertraditionalbanking?A.Theydistrustdigitalplatforms.B.Theylackaccesstosmartphones.C.Theyaremorecomfortablewithface-to-faceinteractions.D.Theyfinddigitalbankingtoocomplicated.3.HowdoesMinshengBankplantoaddressthedigitaldivideinruralregions?A.Bybanningdigitalbankingservices.B.Throughofflinetrainingsessions.C.Byofferingfreesmartphonestocustomers.D.Byclosingallruralbranches.Passage2The婺城區(qū)governmenthasrecentlyimplementednewpoliciestosupportthegrowthoflocalbanks.Oneofthekeyinitiativesisataxcreditprogramforbanksthatinvestinsustainablebankingpractices.Thesepoliciesaimtoreducetheenvironmentalimpactoffinancialinstitutionswhileencouraginginnovationingreenfinance.Forexample,MinshengBankhaslaunchedagreencreditlinetofinancerenewableenergyprojects.Thebankhasalsoadoptedpaperlessoperationstominimizewaste.However,somecriticsarguethatthepoliciesmayburdensmallerbankswithcompliancecosts.Tomitigatethis,thegovernmenthasprovidedsubsidiesforbanksthatmeetcertainenvironmentaltargets.Questions4.Whatistheprimarygoalofthe婺城區(qū)government’snewpolicies?A.Toincreasetaxesonbanks.B.Topromotesustainablebanking.C.Torestrictbankoperations.D.Toencouragebranchingexpansion.5.Whymightsmallerbanksbeconcernedaboutthenewpolicies?A.Theylacktheresourcestocomply.B.Theyprefertraditionalbankingmodels.C.Theybelievegreenfinanceisunnecessary.D.Theyarealreadyprofitableanddonotneedincentives.三、完形填空（共10題，每題1分）說明：閱讀以下短文，選擇最佳答案填空。ThebankingindustryinChinahasbeenshapedbybothtechnologicalinnovationandregulatorychanges.ForbankslikeMinsheng,stayingcompetitiverequiresabalancebetweendigitaltransformationandriskmanagement.Inrecentyears,theriseoffintechcompanieshas______(6)traditionalbankstoadaptorrisklosingmarketshare.MinshenghasrespondedbyinvestingheavilyinAIandbigdataanalyticstoenhancecustomerexperiences.Forexample,itsAI-poweredchatbotscanhandleupto80%ofcustomerinquiries,______(7)humanagentstofocusoncomplexcases.However,theintegrationofnewtechnologiesalsobringschallenges.Cybersecuritythreatshave______(8)bankstostrengthentheirdefenses.Minshenghashiredtopcybersecurityexpertsandimplementedadvancedencryptionprotocolstoprotectcustomerdata.Additionally,thebankhashadtonavigateevolvingregulations,suchasthoserelatedtoanti-moneylaundering(AML)andknow-your-customer(KYC)requirements.Compliancewiththeseruleshas______(9)operationalcostsbuthasalsohelpedthebankbuildtrustwithregulatorsandcustomers.Inthefuture,Minshengplanstofurtherexpanditsdigitalofferings,includingblockchain-basedsolutionsforcross-bordertransactions.Thebank’sleadershipbelievesthattheseinnovationswillnotonlyimproveefficiencybutalso______(10)itsreputationasaforward-thinkingfinancialinstitution.6.A.forcedB.encouragedC.ignoredD.supported7.A.allowingB.forcingC.preventingD.requiring8.A.forcedB.encouragedC.highlightedD.minimized9.A.reducedB.increasedC.stabilizedD.eliminated10.A.damageB.strengthenC.weakenD.ignore四、翻譯（共5題，每題2分）說明：將下列中文句子翻譯成英文。1.民生銀行致力于通過金融科技提升區(qū)域經(jīng)濟(jì)的競爭力。2.金華市婺城區(qū)的中小企業(yè)對低息貸款有較高的需求。3.銀行應(yīng)加強(qiáng)對客戶數(shù)據(jù)的保護(hù)，以防止欺詐行為。4.數(shù)字化轉(zhuǎn)型是銀行業(yè)應(yīng)對市場變化的關(guān)鍵策略。5.政府鼓勵銀行與當(dāng)?shù)仄髽I(yè)合作，推動綠色金融發(fā)展。五、詞匯辨析（共10題，每題1分）說明：選擇與劃線詞匯意思最相近的選項。1.Thebank’sprofitabilityhas______significantlyoverthepastyear.A.increasedB.decreasedC.stabilizedD.fluctuated2.ThenewCEOisknownforher______approachtoproblem-solving.A.innovativeB.conservativeC.carelessD.inefficient3.Despitetheeconomicdownturn,thebank’sdepositgrowthremained______.A.weakB.strongC.unpredictableD.negative4.Theregulatoryframeworkrequiresbankstomaintainstrict______ofcustomerdata.A.privacyB.opennessC.accessibilityD.transparency5.Themergeraimedto______thebank’smarketshareinthedigitalbankingsector.A.expandB.reduceC.maintainD.threaten6.Thebank’sriskmanagementteamhasidentifiedseveral______initsoperations.A.strengthsB.weaknessesC.opportunitiesD.threats7.Thecustomerservicerepresentativewaspraisedforher______toassistclients.A.reluctanceB.willingnessC.indifferenceD.hostility8.Thebank’ssustainabilityreportoutlinesitseffortsto______environmentalimpact.A.minimizeB.maximizeC.ignoreD.exaggerate9.Thenewbranchlocationwaschosento______thebank’sreachinsuburbanareas.A.limitB.expandC.reduceD.centralize10.Theboardofdirectors______theproposaltoinvestinrenewableenergyprojects.A.approvedB.rejectedC.delayedD.ignored答案及解析一、選詞填空1.A(revolutionized)–Digitalbankinghastransformedthefinanciallandscape.2.B(meeting)–Thebankfocusesonfulfillinglocalneeds.3.B(enhance)–AIchatbotsimprovecustomerexperience.4.B(Lowtechnologicaladoption)–Ruralbanksfacethischallenge.5.A(environmentallyfriendly)–Sustainableoperationsreducecarbonfootprint.6.B(encourage)–Incentivesmotivatebankstoexpand.7.B(strengthen)–Blockchainimprovestransactionsecurity.8.B(professionalism)–Customerservicerequireshighstandards.9.B(fostering)–Thebanksupportsfintechinnovation.10.B(decreased)–Onlinebankingreducesphysicalbranchdemand.二、閱讀理解1.C(Improvingdigitalbankingservices)–Thepassagehighlightsdigitaltransformationefforts.2.C(Theyaremorecomfortablewithface-to-faceinteractions)–Elderlycustomersprefertraditionalmethods.3.B(Throughofflinetrainingsessions)–Thebankeducatesolderadultsondigitaltools.4.B(Promotesustainablebanking)–Policiesencourageenvironmentallyfriendlypractices.5.A(Theylacktheresourcestocomply)–Smallerbanksmaystrugglewithcompliancecosts.三、完形填空6.A(forced)–Fintechcompetitionpressuresbankstoadapt.7.A(allowing)–AIchatbotsfreeuphumanagentsforcomplextasks.8.C(highlighted)–Cybersecuritythreatsbecomemoreapparent.9.B(increased)–Compliancecostsrisebutimprovetrust.10.B(strengthen)–Innovationsenhancethebank’sreputation.四、翻譯1.MinshengBankiscommittedtoenhancingthecompetitivenessoftheregionaleconomythroughfintech.2.Smalland