民生銀行貴陽市南明區(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）directions:Choosethebestwordtofillineachblankfromthefouroptions(A,B,C,D).1.Therapiddevelopmentoffintechhas______thebankingindustrytoinnovateandadapttodigitaltrends.A.forcedB.promotedC.challengedD.supported2.AsaleadingfinancialinstitutioninSouthwestChina,MinshengBank______toenhanceitspresenceintheGuizhoumarket.A.aspiresB.expectsC.declinesD.resists3.Thenewpolicyaimsto______SMEsbyreducinglendinginterestratesandsimplifyingprocedures.A.discourageB.supportC.ignoreD.oppose4.TheeconomicrecoveryinGuizhouhas______thedemandforcreditproductsfromMinshengBank.A.declinedB.stabilizedC.surgedD.slowed5.Thebank’sdigitaltransformationstrategy______toimprovecustomerserviceefficiencyandriskmanagement.A.focusesB.ignoresC.delaysD.denies6.ThebranchinNanmingDistrictisstrategicallylocatedto______thegrowingfinancialneedsoflocalbusinesses.A.meetB.neglectC.exceedD.limit7.Theannualfinancialreporthighlightsthebank’s______inreducingbaddebtratios.A.failureB.successC.neglectD.delay8.Thegovernment’ssupportforgreenfinance______thebanktoinvestmoreinrenewableenergyprojects.A.motivatesB.discouragesC.hindersD.ignores9.Thebank’screditassessmentsystemisdesignedto______potentialrisksbeforeloanapproval.A.overlookB.minimizeC.maximizeD.ignore10.Thebranchmanageremphasizedtheimportanceof______tostaycompetitiveinthelocalmarket.A.innovationB.stagnationC.traditionD.resistance二、閱讀理解（共5題，每題2分）directions:Readthepassagebelowandchoosethebestanswerforeachquestion.Passage:MinshengBankhasbeenexpandingitsfootprintinGuizhou,particularlyintheNanmingDistrict,wheretheeconomyisgrowingrapidly.Thebankhasintroducedseveralinitiativestosupportlocalbusinesses,includinglow-interestloansanddigitalbankingsolutions.Thegovernment’spushforfinancialinclusionhasfurtherencouragedthebanktoenhanceitsservicesforsmallandmedium-sizedenterprises(SMEs).However,challengesremain,suchasthehighbaddebtratioinsomeruralareas.Thebankisworkingonimprovingitsriskmanagementsystemstoaddresstheseissues.1.WhatisthemainfocusofMinshengBank’sexpansioninGuizhou?A.RuraldevelopmentB.UrbanexpansionC.FinancialinclusionD.Greenfinance2.Howdoesthebanksupportlocalbusinesses?A.ByincreasinginterestratesB.ByreducingloanavailabilityC.Byofferinglow-interestloansanddigitalsolutionsD.Bylimitingcreditaccess3.Whatgovernmentpolicyhasencouragedthebank’sinitiatives?A.EconomicstimulusB.FinancialexclusionC.FinancialinclusionD.Debtreduction4.Whatchallengesdoesthebankface?A.HighcreditratingsB.LowbaddebtratiosC.HighbaddebtratiosinruralareasD.Excessiveloanapprovals5.Whatmeasuresisthebanktakingtoaddressrisks?A.IgnoringpotentialrisksB.ExpandingcreditfreelyC.ImprovingriskmanagementsystemsD.Reducingloanapprovals三、完形填空（共5題，每題2分）directions:Fillineachblankwiththebestwordfromthefouroptions(A,B,C,D).ThebankingsectorinSouthwestChinahasbeenundergoingsignificantchangesduetotechnologicaladvancements.(6)________,digitalbankinghasbecomeanecessityforfinancialinstitutionstosurviveandthrive.MinshengBank,(7)________isheadquarteredinBeijing,hasbeenproactiveinadoptingfintechsolutions.Thebank’s(8)________strategyincludesmobilebankingapps,AI-drivencustomerservice,andblockchain-basedtransactions.Theseinnovationshave(9)________customersatisfactionandoperationalefficiency.However,thebankstillfaceschallengesin(10)________ruralareas,whereinternetpenetrationislow.6.A.ThereforeB.MoreoverC.HoweverD.Despite7.A.whichB.whoseC.thatD.where8.A.digitalB.traditionalC.manualD.analog9.A.increasedB.decreasedC.ignoredD.delayed10.A.expandingB.neglectingC.improvingD.reducing四、翻譯（共2題，每題5分）directions:TranslatethefollowingsentencesintoEnglish.1.民生銀行致力于通過金融科技賦能小微企業(yè)，助力其實(shí)現(xiàn)快速發(fā)展。2.貴陽市南明區(qū)的經(jīng)濟(jì)發(fā)展為民生銀行提供了廣闊的市場機(jī)遇。五、寫作（1題，10分）directions:Writeashortessay(about100words)onthetopic:"TheRoleofFintechinModernBanking."答案及解析一、選詞填空1.C.challenged-解析：金融科技的發(fā)展給銀行業(yè)帶來了挑戰(zhàn)，需要不斷創(chuàng)新以適應(yīng)數(shù)字化趨勢。2.A.aspires-解析：作為西南地區(qū)的領(lǐng)先金融機(jī)構(gòu)，民生銀行渴望增強(qiáng)在貴州市場的存在感。3.B.support-解析：新政策旨在支持中小企業(yè)，通過降低貸款利率和簡化流程。4.C.surged-解析：貴州經(jīng)濟(jì)復(fù)蘇推動了民生銀行信貸產(chǎn)品的需求激增。5.A.focuses-解析：銀行的數(shù)字化轉(zhuǎn)型戰(zhàn)略專注于提升客戶服務(wù)效率和風(fēng)險(xiǎn)管理。6.A.meet-解析：該分行地處南明區(qū)，戰(zhàn)略性地滿足當(dāng)?shù)仄髽I(yè)日益增長的金融需求。7.B.success-解析：年報(bào)強(qiáng)調(diào)了銀行在降低不良貸款率方面的成功。8.A.motivates-解析：政府對綠色金融的支持激勵銀行加大對可再生能源項(xiàng)目的投資。9.B.minimize-解析：銀行的信貸評估系統(tǒng)旨在在貸款審批前最小化潛在風(fēng)險(xiǎn)。10.A.innovation-解析：分行行長強(qiáng)調(diào)創(chuàng)新對于在當(dāng)?shù)厥袌霰３指偁幜Φ闹匾?。二、閱讀理解1.C.financialinclusion-解析：文章指出銀行在貴州的擴(kuò)張重點(diǎn)是支持金融包容性。2.C.offeringlow-interestloansanddigitalsolutions-解析：銀行通過提供低息貸款和數(shù)字化解決方案支持本地企業(yè)。3.C.financialinclusion-解析：政府推動金融包容性政策鼓勵銀行的舉措。4.C.highbaddebtratiosinruralareas-解析：文章提到銀行面臨的挑戰(zhàn)是農(nóng)村地區(qū)的不良貸款率高。5.C.improvingriskmanagementsystems-解析：銀行正在改進(jìn)風(fēng)險(xiǎn)管理系統(tǒng)以應(yīng)對風(fēng)險(xiǎn)。三、完形填空6.A.Therefore-解析：因果關(guān)系，金融科技推動銀行業(yè)變革，因此數(shù)字化成為生存關(guān)鍵。7.A.which-解析：定語從句修飾MinshengBank。8.A.digital-解析：銀行采用數(shù)字化戰(zhàn)略，包括移動應(yīng)用和AI服務(wù)。9.A.increased-解析：創(chuàng)新提升了客戶滿意度和運(yùn)營效率。10.A.expanding-解析：銀行仍需拓展農(nóng)村市場，但互聯(lián)網(wǎng)普及率低是挑戰(zhàn)。四、翻譯1.MinshengBankiscommittedtoempoweringsmallandmedium-sizedenterprisesthroughfintech,helpingthemachieverapiddevelopment.-解析：句子結(jié)構(gòu)清晰，動詞“賦能”用empowering體現(xiàn)，“助力”用helping表達(dá)。2.TheeconomicdevelopmentofNanmingDistrictinGuiyangprovidesMinshengBankwithbroadmarketopportunities.-解析：地點(diǎn)狀語前置，市場機(jī)遇用marketopportunities表達(dá)。五、寫作（參考范文）TheRoleofFintechinModernBankingFintechhasrevolutionizedthebankingindustrybyintroducingdigitalsolutionsthatenhanceefficiency,accessibility,an