民生銀行邯鄲市復(fù)興區(qū)2025秋招筆試英文行測(cè)高頻題含答案第一部分：選詞填空（共5題，每題2分，共10分）directions:Choosethebestwordtofillineachblank.1.Therapiddevelopmentoffintechhas______thetraditionalbankingindustrytoadaptorfaceobsolescence.A.forcedB.encouragedC.supportedD.challenged2.Despiteeconomic______,thedemandforhomeloansinHebeiProvinceremainsstablethisyear.A.uncertaintyB.stabilityC.growthD.decline3.Thebank’snewmobileappaimsto______customerengagementthroughpersonalizedfinancialadvice.A.enhanceB.reduceC.ignoreD.delay4.Localregulationsrequirebanksto______anti-moneylaunderingcompliancemeasuresmorestrictly.A.weakenB.strengthenC.relaxD.ignore5.The______betweenonlineandofflinebankingserviceshasbecomeakeycompetitivefactor.A.contrastB.similarityC.fusionD.indifference第二部分：閱讀理解（共4題，每題3分，共12分）directions:Readthepassagebelowandanswerthequestions.Passage:Theriseofdigitalbankinghastransformedthewaypeoplemanagetheirfinances.Unliketraditionalbanks,digital-onlyinstitutionsoperateentirelyonline,offeringconvenienceandlowerfees.However,theyfacechallengesinbuildingtrustandprovidingpersonalizedservices.InHebeiProvince,manycustomersstillpreferphysicalbranchesforcomplextransactions,suchasmortgageapplications.Meanwhile,largebankslikeBankofChinaandChinaMerchantsBankareinvestingheavilyindigitalplatformstostaycompetitive.Thefutureofbankingwilllikelyinvolveahybridmodel,combiningtheefficiencyofdigitalserviceswiththereliabilityofphysicalbranches.1.Whatisthemainadvantageofdigital-onlybanks?A.HigherfeesB.FewerservicesC.ConvenienceandlowercostsD.Strongerbranchnetworks2.WhydosomecustomersinHebeistillprefertraditionalbanks?A.Digitalbanksarelesstrustworthy.B.Digitalbankscannothandlecomplextransactions.C.Digitalbanksaretooexpensive.D.Traditionalbanksofferbetterinterestrates.3.Accordingtothepassage,whatisthefuturetrendinbanking?A.Allbankswillbecomedigital-only.B.Traditionalbankswilldisappear.C.Acombinationofdigitalandphysicalservices.D.Bankswillfocusonlyonhomeloans.4.WhichofthefollowingisNOTmentionedasachallengefordigitalbanks?A.Buildingcustomertrust.B.Providingpersonalizedservices.C.Loweringoperatingcosts.D.Competingwithlargebanks.第三部分：句子改錯(cuò)（共5題，每題2分，共10分）directions:Identifytheerrorineachsentenceandchoosethecorrectoption.1.Thebank’snewpolicywilleffectivefromnextmonth.A.willeffective→willbeeffectiveB.noerrorC.willbeeffectivelyD.willtakeeffect2.Despiteoftheeconomicchallenges,theregion’sbankingsectorcontinuestogrow.A.Despiteof→DespiteB.noerrorC.inspiteofD.Despitetheeconomicchallenges3.Ifthecustomerhadknownaboutthefees,theywouldnothavesignedtheagreement.A.noerrorB.wouldnothavesigned→wouldhavesignedC.hadknown→hadknownD.they→he/she4.Theloanapplicationwasapprovedbecauseofitcontainedallthenecessarydocuments.A.itcontained→itdidcontainB.noerrorC.contained→containedD.becauseitcontained5.Neitherthemanagernortheemployeesaresatisfiedwiththecurrentinterestrates.A.are→isB.noerrorC.neither→eitherD.thecurrent→thecurrent’s第四部分：完形填空（共5題，每題2分，共10分）directions:Fillintheblankswiththemostsuitablewords.Lastyear,theChinesegovernmentintroducedstricterregulationsto______(1)financialrisksinthebankingsector.InHebei,severalsmalllenderswere______(2)forviolatingloanapprovalprocedures.Meanwhile,majorbankslikeBankofChinaandICBChavebeen______(3)todigitaltransformation.TheuseofbigdataandAIhasenabledthemto______(4)fraudmoreeffectively.However,the______(5)remainswhethertraditionalbankscankeeppacewithfintechstartups.1.A.controlB.ignoreC.encourageD.ignore2.A.blamedB.praisedC.supportedD.encouraged3.A.resistantB.openC.reluctantD.closed4.A.preventB.ignoreC.delayD.overlook5.A.problemB.opportunityC.challengeD.certainty第五部分：翻譯（共3題，每題4分，共12分）directions:TranslatethefollowingsentencesintoEnglish.1.隨著科技的發(fā)展，銀行業(yè)正在經(jīng)歷前所未有的變革。2.復(fù)興區(qū)居民對(duì)銀行服務(wù)的需求日益增長(zhǎng)，尤其是在房貸和創(chuàng)業(yè)貸款方面。3.中國(guó)銀保監(jiān)會(huì)要求銀行加強(qiáng)反洗錢(qián)措施，以防止金融犯罪。答案與解析第一部分：選詞填空1.D.challenged解析：Fintech的發(fā)展對(duì)傳統(tǒng)銀行業(yè)提出了挑戰(zhàn)，故選"challenged"。2.A.uncertainty解析：經(jīng)濟(jì)不確定性導(dǎo)致需求穩(wěn)定，符合銀行業(yè)務(wù)邏輯。3.A.enhance解析：銀行旨在提升客戶(hù)參與度，故用"enhance"。4.B.strengthen解析：監(jiān)管要求加強(qiáng)反洗錢(qián)措施，符合政策導(dǎo)向。5.A.contrast解析：線上線下服務(wù)的差異是競(jìng)爭(zhēng)關(guān)鍵，故選"contrast"。第二部分：閱讀理解1.C.Convenienceandlowercosts解析：文中明確指出數(shù)字銀行的優(yōu)勢(shì)是便捷和低成本。2.B.Digitalbankscannothandlecomplextransactions解析：文中提到河北客戶(hù)偏好傳統(tǒng)銀行處理復(fù)雜業(yè)務(wù)。3.C.Acombinationofdigitalandphysicalservices解析：文中預(yù)測(cè)未來(lái)銀行業(yè)將結(jié)合線上線下模式。4.C.Loweringoperatingcosts解析：文中未提及數(shù)字銀行降低成本是挑戰(zhàn)。第三部分：句子改錯(cuò)1.A.willeffective→willbeeffective解析：應(yīng)使用被動(dòng)語(yǔ)態(tài)。2.A.Despiteof→Despite解析："Despite"無(wú)需介詞"of"。3.A.noerror解析：虛擬語(yǔ)氣用法正確。4.A.itcontained→itdidcontain解析：強(qiáng)調(diào)句需用"did"確認(rèn)事實(shí)。5.A.are→is解析："Neither...nor..."后謂語(yǔ)看靠近者，"employees"單數(shù)。第四部分：完形填空1.A.control2.A.blamed3.B.open4.A.prevent5.C.challenge解析：-(1)控制金融風(fēng)險(xiǎn)；-(2)違規(guī)機(jī)構(gòu)被指責(zé)；-(3)傳統(tǒng)銀行開(kāi)放轉(zhuǎn)型；-(4)預(yù)防欺詐；-(5)保持競(jìng)爭(zhēng)力的挑戰(zhàn)。第五部分：翻譯1.Withtheadvancementoftechnology,thebankingindustryisundergoingunprecedentedtransformation.2.ResidentsinFuxingDistrict