民生銀行福州市倉山區(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3分，總分15分Instructions:Readthefollowingpassagescarefullyandchoosethebestanswerforeachquestion.Passage1:Therapiddevelopmentoffintechhasreshapedthebankingindustry,particularlyinurbanareaslikeFuzhou.Commercialbanks,includingChinaMerchantsBank,haveintegratedAI-drivenservicestoenhancecustomerexperience.Forinstance,intelligentchatbotsnowhandle70%ofbasicinquiries,reducingwaittimessignificantly.However,challengesremain,suchasdataprivacyconcernsandtheneedformorepersonalizedsolutions.ThelocalgovernmentinCangshanDistricthasalsointroducedpoliciestosupportthegrowthoffintechstartups,aimingtocreateamorecompetitivefinancialhub.Questions:1.Whatisthemainimpactoffintechoncommercialbanks?A.Increasedoperationalcosts.B.Reducedcustomerengagement.C.Improvedserviceefficiency.D.Higherregulatoryscrutiny.2.Accordingtothepassage,whatisacurrentchallengeforfintechinFuzhou?A.Lackofgovernmentsupport.B.Insufficientcustomeradoption.C.Dataprivacyissues.D.Highinfrastructureexpenses.3.WhyhastheCangshanDistrictgovernmentfocusedonfintechdevelopment?A.Toattractmoretourists.B.Toimproveurbaninfrastructure.C.Tofosteracompetitivefinancialmarket.D.Toreduceunemploymentrates.Passage2:SustainablebankinghasbecomeapriorityforfinancialinstitutionsincoastalregionslikeFuzhou,whereclimatechangeposessignificantrisks.ChinaMerchantsBankhaslaunchedgreencreditprogramstosupporteco-friendlyprojects,suchasrenewableenergyinitiatives.In2024,thebankallocated50billionyuantogreenfinancing,a30%increasefromthepreviousyear.Additionally,thebankhaspartneredwithlocaluniversitiestodeveloptrainingprogramsonclimatefinance.TheseeffortsalignwithChina’sbroadergoalstoachievecarbonneutralityby2060.However,criticsarguethatmoreaggressivemeasuresareneededtoaddresssystemicrisksassociatedwithclimatefinance.Questions:4.WhatisakeyinitiativebyChinaMerchantsBanktopromotesustainability?A.Reducingbranchoperations.B.Increasinggreencreditfunding.C.Expandingoverseasinvestments.D.Offeringfreefinancialadvice.5.Accordingtothepassage,whatisaconcernaboutsustainablebanking?A.Insufficientgovernmentfunding.B.Lackofpublicawareness.C.Systemicfinancialrisks.D.Highoperationalcosts.Part2:Vocabulary(詞匯)共5題，每題2分，總分10分Instructions:Choosethebestwordtocompleteeachsentence.1.Thefintechboomhas______thetraditionalbankingmodelinmanycities.A.revolutionizedB.standardizedC.diversifiedD.simplified2.Dueto______regulations,manybanksinFuzhouhavetightenedtheirlendingpolicies.A.stringentB.flexibleC.outdatedD.lenient3.ThenewAIsystemcan______transactionsinreal-time,improvingefficiency.A.streamlineB.delayC.complicateD.disrupt4.Thebank’ssustainabilityreporthighlightsitseffortsto______environmentalimpact.A.minimizeB.maximizeC.ignoreD.exaggerate5.TheCangshanDistrictgovernmenthas______incentivestoattractfintechcompanies.A.implementedB.postponedC.eliminatedD.criticizedPart3:Grammar(語法)共5題，每題2分，總分10分Instructions:Identifytheerrorineachsentenceandchoosethecorrectoption.1.Thebankwilllaunchanewmobileappnextmonth,whichwillallowcustomerstotransferfunds______.A.easierB.moreeasilyC.easierthaneverD.easily2.Iftheinterestratesrise,thebank’sprofitability______affected.A.willbeB.isC.wereD.hasbeen3.Despitetheeconomicdownturn,thebank’sdepositgrowth______stable.A.remainsB.remainedC.hasremainedD.willremain4.Thefintechpolicywasdesignedto______smallbusinesseswithdigitaltools.A.assistB.assistingC.assistedD.assists5.NeithertheCEOnortheboard______satisfiedwiththecurrentperformance.A.areB.isC.wereD.hasbeenPart4:SentenceCorrection(句子改錯)共5題，每題3分，總分15分Instructions:Rewritethefollowingsentencestocorrectgrammaticalerrors.1.Thebank’sAIchatbotcananswercustomerqueriesfasterthananyhumanagent.→(Noerror)2.Ifyouhaveanyquestions,pleasecontactthecustomerserviceteamimmediately.→(Noerror)3.Thenewcreditpolicywilltakeeffectfromnextweekuntiltheendoftheyear.→(Rewritetoimproveclarity.)4.Althoughtheeconomyisgrowing,inflationratesremainhighinsomeregions.→(Noerror)5.Thebank’ssustainabilitygoalsincludereducingcarbonemissionsby40%by2030.→(Noerror)Part5:BusinessCaseAnalysis(商業(yè)案例分析)共1題，10分Instructions:Readthecaseandanswerthequestionbelow.Case:ChinaMerchantsBank(CMB)isexpandingitsdigitalbankingservicesinFuzhou’sCangshanDistrict.Thebankhasnoticedagrowingdemandforonlinefinancialmanagementtoolsamongyoungprofessionals.However,competitorslikeICBCandABCBankhavealreadylaunchedsimilarservices.CMB’sstrategyinvolvesintegratingblockchaintechnologytoenhancesecurityandofferingpersonalizedfinancialadvicethroughAI-poweredrobo-advisors.Thebankplanstoinvest200millionyuaninthisinitiativeoverthenexttwoyears.Question:WhatchallengesmightCMBfaceinimplementingthisdigitalbankingstrategyinCangshanDistrict?(Limitto150words.)AnswerKeyandExplanationPart1:ReadingComprehension1.C(Improvedserviceefficiency)Explanation:ThepassagementionsAI-drivenservicesreducingwaittimes,indicatingefficiencygains.2.C(Dataprivacyissues)Explanation:Thetextexplicitlystates"dataprivacyconcerns"asachallenge.3.C(Fosteracompetitivefinancialmarket)Explanation:TheCangshangovernmentaimstocreatea"competitivefinancialhub,"aligningwiththisanswer.4.B(Increasinggreencreditfunding)Explanation:Thepassagehighlightsthebank’s50billionyuanallocationtogreenfinancing.5.C(Systemicfinancialrisks)Explanation:Criticsargueabout"systemicrisksassociatedwithclimatefinance."Part2:Vocabulary1.A(revolutionized)Explanation:Fintechhasfundamentallychangedthebankingmodel.2.A(stringent)Explanation:Tightenedpoliciessuggeststrictregulations.3.A(streamline)Explanation:Real-timetransactionsimplyefficiencyimprovements.4.A(minimize)Explanation:Sustainabilityeffortsfocusonreducingenvironmentalharm.5.A(implemented)Explanation:Thegovernmenthasputincentivesintoaction.Part3:Grammar1.B(moreeasily)Explanation:"Transferfundsmoreeasily"isgrammaticallycorrect.2.A(willbe)Explanation:Futureimpactrequires"willbeaffected."3.C(hasremained)Explanation:Thegrowthisstableovertime,requ