民生銀行深圳市寶安區(qū)2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）題目：1.Therapiddevelopmentoffintechhassignificantly______theefficiencyoffinancialservicesinShenzhen,especiallyinareaslikeonlinepaymentsandwealthmanagement.A.enhancedB.deterioratedC.standardizedD.centralized2.Despiteeconomicfluctuations,thedemandforcreditproductsinGuangdongprovinceremains______duetoitsvibrantsmallandmedium-sizedenterprisessector.A.volatileB.stableC.decliningD.unpredictable3.Thebank’snewpolicyaimsto______thedigitaldividebyprovidingfinancialliteracytrainingtounderservedcommunitiesinruralChina.A.narrowB.widenC.eliminateD.ignore4.Blockchaintechnologyisexpectedto______thetraditionalbankingsystembyreducingintermediariesandimprovingtransactiontransparency.A.disruptB.complementC.reinforceD.regulate5.TheregulatoryenvironmentinChinahasbecome______strict,requiringbankstoenhanceriskmanagementframeworksforanti-moneylaundering(AML)compliance.A.increasinglyB.looselyC.moderatelyD.inconsistently二、閱讀理解（共4題，每題3分，共12分）題目：Passage1:ThebankingsectorinShenzhenhasbeenundergoingsignificanttransformationduetotechnologicaladvancements.Fintechcompanies,withtheiragilebusinessmodels,arechallengingtraditionalbanksbyofferingmoreefficientanduser-friendlyservices.Accordingtoa2024reportbythePeople’sBankofChina,over60%ofShenzhenresidentsnowpreferdigitalbankingplatformsfordailytransactions.However,thisshifthasalsoraisedconcernsaboutdatasecurityandregulatoryoversight.Thegovernmenthasintroducednewguidelinestoensurethatfinancialinnovationdoesnotcompromisestability.1.WhatisthemainchallengetraditionalbanksfaceinShenzhen?A.LowcustomersatisfactionB.InsufficientfundingC.CompetitionfromfintechfirmsD.Highoperationalcosts2.Accordingtothepassage,whatpercentageofShenzhenresidentspreferdigitalbanking?A.40%B.50%C.60%D.70%3.Whatmeasureshasthegovernmenttakentoaddressthetransformation?A.EncouragingmorefintechstartupsB.StrengtheningregulatoryoversightC.ReducinginterestratesD.PromotingcashtransactionsPassage2:China’screditmarkethasshownremarkablegrowthinrecentyears,drivenbytheexpansionofsmallandmedium-sizedenterprises(SMEs).However,thisgrowthhasalsoledtoincreasednon-performingloans(NPLs),particularlyinhigh-risksectorslikerealestateandconstruction.ThePeople’sBankofChinahasurgedbankstoadoptmoreprudentlendingpracticestomitigatepotentialrisks.Meanwhile,thegovernmenthasintroducedtaxincentivestostimulateSMEgrowth,hopingtobalancecreditexpansionwithfinancialstability.4.WhatistheprimaryconcernregardingChina’screditmarket?A.LowcreditdemandB.HighNPLratesC.ExcessiveregulationD.Decliningtaxrevenues三、語(yǔ)法填空（共5題，每題2分，共10分）題目：1.Despitetheeconomicchallenges,thebankingsectorinGuangdongprovincecontinuesto______(expand)itsmarketshare,particularlyinthedigitalfinancesegment.2.ThenewAMLregulationsrequirefinancialinstitutionsto______(implement)strictercustomerverificationprocedurestopreventmoneylaundering.3.ManyfintechcompaniesinShenzhenare______(invest)heavilyinartificialintelligencetoimprovefrauddetectionandriskassessment.4.Thecentralbank’srecentpolicy______(adjust)interestratestostimulateeconomicgrowth,whichhaspositivelyimpactedlendingactivities.5.Smallandmedium-sizedenterprisesinruralChinaoften______(face)difficultiesinaccessingaffordablecreditduetolackofcollateral.四、改錯(cuò)題（共5題，每題2分，共10分）題目：1.Thebank’sdigitaltransformationstrategyaimstoimprovecustomerexperienceandreduceoperationalcosts,whichmakeitmorecompetitiveinthemarket.2.AlthoughthecreditdemandinShenzhenishigh,theriskofnon-performingloansremainsaconcernforfinancialinstitutions.3.TheregulatoryframeworkinChinahasbeentightenoverthepastfewyearstoensurefinancialstabilityandpreventsystemicrisks.4.Fintechcompaniesareabletoofferlowerfeestocustomersbecausetheyhavefeweroverheadexpensescomparedtotraditionalbanks.5.Thecentralbank’sdecisiontolowerinterestrateswillhelpstimulateeconomicgrowth,butitmayalsoleadtoincreasedinflation.五、翻譯題（共3題，每題4分，共12分）題目：1.將以下句子翻譯成英文：為應(yīng)對(duì)經(jīng)濟(jì)下行壓力，民生銀行深圳市寶安區(qū)分行推出了一系列紓困措施，以支持中小微企業(yè)發(fā)展。2.將以下句子翻譯成英文：區(qū)塊鏈技術(shù)的應(yīng)用不僅提高了交易透明度，還為銀行節(jié)省了大量的中介成本。3.將以下句子翻譯成英文：隨著金融科技的快速發(fā)展，監(jiān)管部門正在加強(qiáng)對(duì)數(shù)字貨幣市場(chǎng)的監(jiān)管，以防范系統(tǒng)性金融風(fēng)險(xiǎn)。答案與解析一、選詞填空1.A.enhanced解析：fintech（金融科技）的發(fā)展提升了金融服務(wù)的效率，故選enhanced（增強(qiáng)）。2.B.stable解析：廣東作為經(jīng)濟(jì)發(fā)達(dá)地區(qū)，中小企業(yè)活躍，信貸需求穩(wěn)定，故選stable（穩(wěn)定）。3.A.narrow解析：政策旨在縮小數(shù)字鴻溝，故選narrow（縮小）。4.A.disrupt解析：區(qū)塊鏈技術(shù)顛覆傳統(tǒng)銀行體系，故選disrupt（顛覆）。5.A.increasingly解析：中國(guó)監(jiān)管環(huán)境趨嚴(yán)，故選increasingly（日益嚴(yán)格）。二、閱讀理解1.C.Competitionfromfintechfirms解析：文中提到fintech公司對(duì)傳統(tǒng)銀行的挑戰(zhàn)，故選C。2.C.60%解析：文中明確指出60%的居民使用數(shù)字銀行，故選C。3.B.Strengtheningregulatoryoversight解析：政府為應(yīng)對(duì)轉(zhuǎn)型引入新指南，加強(qiáng)監(jiān)管，故選B。4.B.HighNPLrates解析：文中提到房地產(chǎn)和建筑行業(yè)NPL風(fēng)險(xiǎn)高，故選B。三、語(yǔ)法填空1.expanding解析：continuetoexpand（持續(xù)擴(kuò)張）。2.implement解析：requiretoimplement（要求實(shí)施）。3.areinvesting解析：fintechcompaniesareinvesting（正在投資）。4.hasadjusted解析：policyhasadjusted（政策已調(diào)整）。5.face解析：oftenface（經(jīng)常面臨）。四、改錯(cuò)題1.whichmake→whichmakes解析：which引導(dǎo)非限制性定語(yǔ)從句，謂語(yǔ)需與前面單數(shù)主語(yǔ)保持一致。2.正確解析：句子結(jié)構(gòu)完整，邏輯通順。3.hasbeentighten→hasbeentightened解析：regulatoryf