民生銀行濟南市章丘區(qū)2025秋招筆試英文行測高頻題含答案Part1:ReadingComprehension(閱讀理解)共5題，每題2分，總分10分1.Passage:Therapiddevelopmentoffintechhassignificantlytransformedthebankingindustry,especiallyinurbanareaslikeJinanandZhangqiu.Traditionalbankingmodelsarenowintegratingdigitalsolutionstoenhancecustomerexperience.Forinstance,民生銀行haslaunchedseveralmobilebankingappsthatallowreal-timetransactionsandpersonalizedfinancialadvice.However,challengessuchascybersecurityandregulatorycomplianceremaincriticalissuesforbanksinthisdigitalera.Question:Whatisthemainfocusofthepassage?A)ThedeclineoftraditionalbankingB)TheimpactoffintechonurbanbankingC)ThebenefitsofmobilebankingappsD)Theroleofcybersecurityinbanking2.Passage:Zhangqiu,asuburbanareaofJinan,hasseenrapideconomicgrowthoverthepastdecade.Thelocalgovernmenthasfocusedonattractingsmallandmedium-sizedenterprises(SMEs)byofferingtaxincentivesandimprovedinfrastructure.Thisstrategyhasledtoincreasedjobopportunitiesandhigherdisposableincomeforresidents.However,theriseinpopulationhasalsoputpressureonpublicservicessuchastransportationandhealthcare.Question:WhatisamajorchallengefacingZhangqiuduetoeconomicgrowth?A)ReducedtaxincentivesB)InsufficientpublicservicesC)DecreasedjobopportunitiesD)Lowerdisposableincome3.Passage:Consumerbehaviorinthebankingsectorhasshiftedsignificantlyinrecentyears.Youngergenerationspreferdigital-firstbankingsolutions,whileoldercustomersstillrelyonphysicalbranches.Toaddressthis,bankslike民生銀行areadoptingahybridapproach,offeringbothonlineandofflineservices.Additionally,theuseofbigdataanalyticshelpsbanksbetterunderstandcustomerpreferencesandtailortheirproductsaccordingly.Question:Howarebanksadaptingtochangingconsumerpreferences?A)ByclosingallphysicalbranchesB)ByfocusingonlyondigitalbankingC)ByofferingamixofonlineandofflineservicesD)Byreducingtheuseofbigdataanalytics4.Passage:TheChinesegovernmenthasimplementedseveralpoliciestosupportthedevelopmentoftheregionalbankingsector.Onesuchpolicyistheprovisionoflow-interestloanstoSMEsinareaslikeZhangqiu.Theseloanshelpbusinessesexpandandcreatemorejobs.However,theeffectivenessofthesepoliciesdependsonpropermonitoringandriskmanagementtopreventfinancialinstability.Question:WhatisakeyfactorforthesuccessofgovernmentpoliciessupportingSMEs?A)High-interestloansB)LimitedgovernmentinterventionC)PropermonitoringandriskmanagementD)Reducedbusinessexpansion5.Passage:Theriseofdigitalcurrencies,suchasthedigitalyuan,hasraisedquestionsaboutthefutureoftraditionalfiatcurrencies.Whilesomeexpertsbelievedigitalcurrencieswillreplacephysicalmoney,othersarguethattheywillcoexistwithtraditionalcurrencies.Forbanks,adaptingtothischangerequiresinvestinginnewtechnologiesandupdatingtheirsystemstosupportdigitaltransactions.Question:Whatisamajorconsiderationforbanksregardingdigitalcurrencies?A)EliminatingtheneedforphysicalcurrencyB)ReducinginvestmentsinnewtechnologiesC)UpdatingsystemstosupportdigitaltransactionsD)FocusingsolelyontraditionalfiatcurrenciesPart2:Vocabulary(詞匯)共5題，每題1分，總分5分1.Word:FintechDefinition:Theintersectionoffinanceandtechnology.Question:Whichofthefollowingsentencesuses"fintech"correctly?A)Thecompanyspecializesinfintechandhealthcare.B)Sheisstudyingfintechatamedicalschool.C)Fintechisatermusedinculinaryarts.D)Therestaurantoffersfintechasamaindish.2.Word:SuburbanDefinition:Relatingtoorsituatedinthesuburbs.Question:Whichsentencebestdescribestheterm"suburban"?A)Thecitycenterhasasuburbanfeel.B)Hedrivesthroughsuburbanareasonhiswaytowork.C)Thedowntownareaisknownforitssuburbanarchitecture.D)Theurbanpopulationisdecreasinginsuburbanregions.3.Word:RegulatorycomplianceDefinition:Adherencetolaws,rules,andregulations.Question:Whichofthefollowingsentencescorrectlyuses"regulatorycompliance"?A)Thebankensuresregulatorycomplianceinitsfinancialreporting.B)Sheispassionateaboutregulatorycomplianceincooking.C)Thecompanyfailedtomeetregulatorycompliancestandards.D)Regulatorycomplianceisakeyhobbyforhim.4.Word:DisposableincomeDefinition:Incomeavailableforspendingaftertaxesandessentialexpenses.Question:Whichsentencebestdescribes"disposableincome"?A)Thegovernmentincreasedthedisposableincomeofcitizens.B)Therestauranthasadisposableincomemenu.C)Heusesdisposableincometobuyluxurygoods.D)Thebankoffersloanstoreducedisposableincome.5.Word:CybersecurityDefinition:Protectionagainstcyberthreats.Question:Whichsentencecorrectlyuses"cybersecurity"?A)Thebankinvestedincybersecuritytoprotectcustomerdata.B)Sheisstudyingcybersecurityatanartschool.C)Cybersecurityisapopulartopicinsports.D)Therestauranthasacybersecuritymenu.Part3:Grammar(語法)共5題，每題1分，總分5分1.Question:Choosethecorrectformoftheverb:"Thebankhasbeen______forfiveyears."A)openingB)openedC)opensD)hasopened2.Question:Fillintheblankwiththecorrectarticle:"______bankislocatednearthecitycenter."A)AB)AnC)TheD)Some3.Question:Correctthesentence:"Sheisworkinginthebanksince2020."A)Shehasbeenworkinginthebanksince2020.B)Sheworksinthebanksince2020.C)Shehasworkedinthebanksince2020.D)Sheisworkinginthebankfor2020.4.Question:Choosethecorrectformoftheadjective:"Thisisthe______bankinZhangqiu."A)bigB)biggerC)biggestD)mostbig5.Question:Fillintheblankwiththecorrectpreposition:"Thebankis______theeastofthecity."A)onB)atC)inD)toPart4:SentenceCompletion(句子補全)共5題，每題2分，總分10分1.Sentence:"Thebankplansto______digitalbankingservicestoimprovecustomersatisfaction."A)expandB)reduceC)eliminateD)ignore2.Sentence:"ManyresidentsinZhangqiuare______bythelackofpublictransportation."A)pleasedB)frustratedC)excitedD)satisfied3.Sentence:"Tostaycompetitive,banksmust______withthelatestfinancialtechnologies."A)ignoreB)adaptC)resistD)abandon4.Sentence:"Thegovernment’spolicieshave______thegrowthofsmallbusinessesinJinan."A)hinderedB)supportedC)weakenedD)limited5.Sentence:"Cybersecurityisacriticalissuethatbanksmust______toprotectcustomerdata."A)overlookB)prioritizeC)ignoreD)delayPart5:ClozeTest(完形填空)共5題，每題1分，總分5分Therapiddevelopmentoffintechhas______(1)thebankingindustryinChina.Traditionalbanksarenowintegratingdigitalsolutionsto______(2)customerexperience.Forexample,民生銀行haslaunchedseveralmobileappsthatallow______(3)transactionsandpersonalizedfinancialadvice.However,challengessuchas______(4)andregulatorycomplianceremainsignificantissues.Banksmustinvestinnewtechnologiesto______(5)thesechallenges.1.A)transformed2.A)improve3.A)make4.A)cybersecurity5.A)addressAnswerKey&ExplanationPart1:ReadingComprehension1.B–Thepassagefocusesonhowfintechhaschangedurbanbanking.2.B–EconomicgrowthinZhangqiuhasincreasedpopulationpressureonpublicservices.3.C–Banksareofferingbothonlineandofflineservicestomeetdiverseneeds.4.C–Propermonitoringandriskmanagementarekeytopolicysuccess.5.C–Banksneedtoupdatesystemstosupportdigitalcurrencies.Part2:Vocabulary1.A–"Fintech"iscorrectlyusedinthecontextoffinanceandtechnology.2.B–"Suburban"accuratelydescribesareasoutsidethecitycenter.3.A–"Regulatorycompliance"iscorrectlyusedinfinancialcontexts.4.A–"Disposableincome"re