民生銀行衡陽市蒸湘區(qū)2025秋招筆試英文行測高頻題含答案第一部分：選詞填空（共5題，每題2分，共10分）題目要求：從每題所給的四個選項中，選擇最符合句意的一個單詞填入空格。1.Thenewpolicyaimstoimprovefinancialinclusionforsmallbusinessesinruralareas,especiallythosein________economicconditions.A.stableB.volatileC.prosperousD.underdeveloped2.Asabankingprofessional,youneedtodemonstratestrong________skillstohandlecomplexclienttransactionsandcompliancerequirements.A.emotionalB.analyticalC.physicalD.creative3.TheruralcreditprogramintroducedbyChinaMerchantsBankinHunanProvincehassignificantly________theaccesstocapitalforlocalfarmers.A.limitedB.expandedC.reducedD.centralized4.Thebank’sdigitaltransformationstrategyrequiresemployeestoadapttonewtechnologies,suchasblockchainandAI-driven________.A.systemsB.processesC.policiesD.frameworks5.TheloanapprovalprocessforsmallbusinessesinChenzhouhasbeenstreamlinedtoreducethetimefrom________to3workingdays.A.30daysB.15daysC.7daysD.1week第二部分：閱讀理解（共5題，每題3分，共15分）題目要求：閱讀以下短文，根據(jù)文章內容回答問題。Passage：TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasrecentlyannouncedstricterguidelinesforruralcreditriskmanagement,focusingonreducingnon-performingloans(NPLs)intheagriculturalsector.Thenewmeasuresincludemandatorystresstestingforlocalbanks,enhancedcollateralrequirementsforloans,andstricteroversightofruralcreditcooperatives.Thesepoliciesaimtoaddressthehighdefaultratesamongsmall-scalefarmersandruralenterprises,whichhavebeenexacerbatedbyfluctuatingcommoditypricesandnaturaldisasters.TheCBIRCalsoencouragesbankstodevelopcustomizedfinancialproductsforruralclients,suchasweather-indexedloansandmicroinsurance.Expertssuggestthatwhilethenewregulationsmayslowdowncreditgrowthintheshortterm,theywillimprovethelong-termsustainabilityofruralbankinginChina.6.WhatistheprimarygoaloftheCBIRC’snewruralcreditguidelines?A.Toincreasecreditavailabilityforruralbusinesses.B.Toreducenon-performingloansintheagriculturalsector.C.Topromotedigitalbankinginruralareas.D.Toencourageruralbankstoexpandtheirbranches.7.WhichofthefollowingisNOTmentionedasameasuretomitigateruralcreditrisk?A.Stresstestingforbanks.B.Weather-indexedloans.C.Lowercollateralrequirements.D.Enhancedregulatoryoversight.8.Accordingtothepassage,whathascontributedtohighdefaultratesamongsmall-scalefarmers?A.Lowinterestrates.B.Fluctuatingcommoditypricesandnaturaldisasters.C.Excessivegovernmentsubsidies.D.Lackoffinancialeducation.9.Whatdoexpertsbelievewillbethelong-termimpactofthenewregulations?A.Adeclineinruralcreditgrowth.B.AnincreaseinruralNPLs.C.Improvedsustainabilityofruralbanking.D.Highercollateralrequirementsforallloans.10.WhichofthefollowingpoliciesisencouragedbytheCBIRCtosupportruralclients?A.Consolidatingruralcreditcooperatives.B.Offeringinterest-freeloanstofarmers.C.Developingmicroinsuranceandweather-indexedloans.D.Mandatingruralbankstoadopttraditionalbankingmodels.第三部分：完形填空（共5題，每題2分，共10分）題目要求：從每題所給的四個選項中，選擇最符合文意的一個單詞填入空格。ThebankingsectorinCentralChinahasbeenadaptingtorapideconomicchanges,withHunanProvinceleadingthewayindigitalinnovation.Inrecentyears,localbankslikeIndustrialandCommercialBankofChina(ICBC)haveinvestedheavilyinonlineplatformsto________(11)customerserviceefficiency.Theseplatformsnotonlyprovide24/7bankingservicesbutalso________(12)real-timefinancialadvicethroughAIchatbots.Additionally,theuseofbigdataanalyticshasenabledbanksto________(13)creditrisksmoreaccurately,reducinglossesfromdefaults.However,challengesremain,suchasthedigitaldivideinruralareas,wheremanyelderlycustomersstillprefer________(14)traditionalbankingmethods.Toaddressthis,banksaretrainingcommunityworkersto________(15)financialliteracyprogramsinvillages.11.A.enhanceB.reduceC.delayD.minimize12.A.deliverB.limitC.replaceD.ignore13.A.assessB.ignoreC.eliminateD.generate14.A.usingB.rejectingC.relyingonD.avoiding15.A.organizeB.discourageC.expandD.eliminate第四部分：句子改錯（共5題，每題3分，共15分）題目要求：找出以下句子中的錯誤并改正。1.Theruralcreditunionhasbeenprovidinglow-interestloanstofarmersforthelastdecade,whichhelpthemtopurchasefarmingequipment.→Error:________→Correction:________2.Despitefacingeconomicchallenges,thesmallbusinessloanprograminChenzhouhasmanagedtogrowby20%overthepastyear.→Error:________→Correction:________3.Thebank’sdigitalwalletapphasbeendownloadedbyover1millionusersinHunan,whichincludesbothurbanandruralcustomers.→Error:________→Correction:________4.Toimprovecustomersatisfaction,thebranchinZhuzhouhasintroducedanewservicethatallowsclientstocompletetransactionsthroughvoicecommands.→Error:________→Correction:________5.TheregulatoryframeworkforruralbankinginChinarequiresbankstomaintainaminimumcapitaladequacyratioof12%,butsomeregionalbanksinHunanhavefailedtomeetthisrequirement.→Error:________→Correction:________第五部分：翻譯填空（共5題，每題4分，共20分）題目要求：將以下中文句子翻譯成英文，填入空格。1.為支持鄉(xiāng)村振興戰(zhàn)略，民生銀行在衡陽地區(qū)推出了專項信貸計劃，優(yōu)先服務于農業(yè)合作社和小微企業(yè)?！鷂_______tosupporttheruralrevitalizationstrategy,ChinaMerchantsBankhaslaunchedatargetedcreditprograminHengyang,prioritizingservicesforagriculturalcooperativesandsmallandmedium-sizedenterprises.2.近年來，中國銀行業(yè)在普惠金融方面取得了顯著進展，尤其是在為農村婦女提供創(chuàng)業(yè)資金方面?！鶬nrecentyears,China’sbankingsectorhasmadesignificantprogressininclusivefinance,especiallyinprovidingstartupfundsforruralwomen.3.由于自然災害頻發(fā)，湖南省部分地區(qū)的農村貸款逾期率較高，銀行需采取有效措施降低風險?！鶧uetofrequentnaturaldisasters,ruralloandelinquencyratesinsomepartsofHunanhavebeenhigh,requiringbankstotakeeffectivemeasurestomitigaterisks.4.銀行的在線客服系統(tǒng)通過人工智能技術，能夠為用戶提供24小時不間斷的金融咨詢?！鶷hebank’sonlinecustomerservicesystem,poweredbyartificialintelligence,canprovideuserswith24/7financialconsultations.5.為緩解中小企業(yè)融資難題，衡陽市政府與多家銀行合作推出了“政銀合作”模式，通過政府增信降低企業(yè)貸款門檻?！鶷oalleviatefinancingdifficultiesforsmallandmedium-sizedenterprises,theHengyangMunicipalGovernmenthascollaboratedwithseveralbankstointroducea"government-bankcooperation"model,whichreducesloanthresholdsforbusinessesthroughgovernmentcreditenhancement.答案與解析第一部分：選詞填空1.B.volatile解析：題干提到農村地區(qū)經濟狀況，"volatile"（波動的）最符合農業(yè)經濟的特性。2.B.analytical解析：銀行工作需要處理復雜交易和合規(guī)要求，"analytical"（分析能力）最合適。3.B.expanded解析：信貸計劃的目標是增加資本獲取途徑，"expanded"（擴大）符合文意。4.B.processes解析：區(qū)塊鏈和AI是技術工具，"processes"（流程）指技術驅動的業(yè)務流程。5.A.30days解析：原文提到從30天縮短至3天，"30days"是原始時間。第二部分：閱讀理解6.B.toreducenon-performingloansintheagriculturalsector解析：文章首段明確指出政策目標是降低農業(yè)NPLs。7.C.Lowercollateralrequirements解析：文中提到提高抵押要求，而非降低。8.B.Fluctuatingcommoditypricesandnaturaldisasters解析：文章第二段直接說明這是高違約率的原因。9.C.Improvedsustainabilityofruralbanking解析：專家認為長期影響是提高農村銀行業(yè)可持續(xù)性。10.C.Developingmicroinsuranceandweather-indexedloans解析：文章末段提到CBIRC鼓勵這兩種產品。第三部分：完形填空11.A.enhance解析：投資在線平臺是為了提升效率，"enhance"（提高）最符合。12.A.deliver解析：AI聊天機器人提供建議，"deliver"（提供）合適。13.A.assess解析：大數(shù)據(jù)用于評估風險，"assess"（評估）正確。14.C.relyingon解析：老年人習慣傳統(tǒng)方式，"relyingon"（依賴）符合。15.A.organize解析：銀行培訓社區(qū)工作者組織財務知識普及活動。第四部分：句子改錯1.Error:help→Correction:helps解析：主語"loans"是復數(shù)，謂語需用"helps"。2.Error:hasmanaged→Correction:havemanaged解析：主語"program"是單數(shù)，但"b