民生銀行重慶市巴南區(qū)2025秋招筆試英文行測(cè)高頻題含答案Part1:ReadingComprehension(閱讀理解)共5題，每題2分，總計(jì)10分1.Passage:Therapiddevelopmentoffintechhastransformedthebankingindustry,especiallyinurbanareaslikeChongqing.Traditionalbanksareincreasinglyadoptingdigitalsolutionstoenhancecustomerserviceandoperationalefficiency.Forinstance,民生銀行(MinshengBank)haslaunchedamobilebankingappthatallowsuserstotransferfunds,paybills,andapplyforloansseamlessly.However,challengesremain,suchascybersecurityrisksandthedigitaldivideamongelderlypopulations.Toaddresstheseissues,thebankplanstoinvestinAI-drivenfrauddetectionsystemsandexpandofflineservicestationsinunderservedcommunities.Question:Accordingtothepassage,whatisonemajorchallengefintechpresentstotraditionalbanks?A)HigheroperationalcostsB)CybersecurityrisksandthedigitaldivideC)ReducedcustomerengagementD)IncreasedregulatoryscrutinyAnswer:B)CybersecurityrisksandthedigitaldivideExplanation:Thepassageexplicitlymentions"cybersecurityrisks"and"thedigitaldivideamongelderlypopulations"askeychallenges.2.Passage:Chongqing,asamajoreconomichubinSouthwestChina,hasseenasurgeindemandforcreditproducts.Accordingtoa2024reportbythePeople’sBankofChina,thenon-financialsectorinChongqingborrowed120billionyuaninthefirsthalfoftheyear,up15%year-on-year.Thistrendisdrivenbyinfrastructureinvestmentsandsmall-businessgrowth.However,therapidcreditexpansionalsoraisesconcernsaboutfinancialstability.Thegovernmentisurgingbankstotightenlendingstandardsforhigh-riskborrowerswhilesupportinglegitimateSMEs.Question:WhatdoesthepassageindicateaboutthecreditmarketinChongqing?A)Itisshrinkingduetoeconomicdownturns.B)Itisgrowingrapidly,butwithpotentialrisks.C)Itisheavilyregulatedbylocalauthorities.D)Itprimarilyserveslargecorporations.Answer:B)Itisgrowingrapidly,butwithpotentialrisks.Explanation:Thepassagehighlightsa15%year-on-yearcreditgrowthwhilenoting"concernsaboutfinancialstability."3.Passage:MinshengBankhasintroducedagreenfinanceinitiativetosupportsustainabledevelopmentinChongqing.Thebankhasallocated50billionyuantofundrenewableenergyprojects,suchaswindandsolarfarms,overthenextfiveyears.ThisalignswiththeChinesegovernment’s"dualcarbon"goals.Additionally,thebankispartneringwithlocaluniversitiestodevelopgreencreditassessmentmodels.Sucheffortsaimtoreducetheenvironmentalfootprintofbusinesseswhilepromotingeconomicgrowth.Question:WhatistheprimarygoalofMinshengBank’sgreenfinanceinitiative?A)Toincreaseprofitsthroughenvironmentallyfriendlyinvestments.B)Tocomplywithgovernmentenvironmentalregulations.C)TosupportsustainabledevelopmentinChongqing.D)Toreduceitsowncarbonemissions.Answer:C)TosupportsustainabledevelopmentinChongqing.Explanation:Thepassageexplicitlystatestheinitiative"alignswiththeChinesegovernment’s'dualcarbon'goals"and"promoteeconomicgrowth."4.Passage:TheCOVID-19pandemichasreshapedconsumerbankinghabitsinChina.A2024ACCAsurveyrevealsthat68%ofChongqingresidentspreferdigitalbankingoverin-persontransactions.Thisshifthasforcedbankstoacceleratedigitaltransformation.Forexample,MinshengBankhasexpandeditsonlineplatformtoincludevideobanking,allowingcustomerstoconsultwithfinancialadvisorsremotely.However,thebankalsoacknowledgestheneedtomaintainphysicalbranchesforelderlyclients.Question:WhatdoesthesurveyindicateaboutconsumerpreferencesinChongqing?A)In-personbankingremainsthemostpopular.B)Digitalbankingisincreasinglypreferred.C)Consumerspreferbankswithbothdigitalandphysicalservices.D)Youngergenerationsaretheonlyonesusingdigitalbanking.Answer:B)Digitalbankingisincreasinglypreferred.Explanation:Thesurveystates"68%ofChongqingresidentspreferdigitalbanking."5.Passage:Chongqing’srealestatemarkethasfacedcoolingmeasuresduetooverinvestmentinrecentyears.Thelocalgovernmenthasimposedstricterlendinglimitsonmortgages,aimingtocurbspeculativebubbles.Meanwhile,MinshengBankisadjustingitsmortgagepoliciestocomplywiththeseregulationswhilestillsupportingfirst-timehomebuyers.Thebankhasintroducedlowerinterestratesforlow-incomefamiliesandlongerrepaymentterms.Thesemeasuresarepartofitsbroaderstrategytobalanceeconomicgrowthandfinancialstability.Question:WhatisthemainpurposeofChongqing’scoolingmeasuresfortherealestatemarket?A)Toboostpropertyprices.B)Toencouragemorehomebuyers.C)Topreventspeculativebubbles.D)Toincreasegovernmentrevenue.Answer:C)Topreventspeculativebubbles.Explanation:Thepassagementions"curbspeculativebubbles"asthegoalofstricterlendinglimits.Part2:SentenceCompletion(句子補(bǔ)全)共5題，每題2分，總計(jì)10分1.Sentence:ThenewfintechregulationsinChongqingaimto_______whileensuringconsumerprotection.A)promotefinancialinnovationB)increasebankprofitsC)reducecompetitionD)eliminateonlinebankingAnswer:A)promotefinancialinnovationExplanation:Thephrase"aimto"suggeststheregulationsencourageprogress,andthecontextoffintechimpliesinnovation.2.Sentence:Despitetheeconomicslowdown,MinshengBank’sSMElendinginChongqinghas_______thisyear.A)declinedsharplyB)remainedstableC)doubledunexpectedlyD)fallenbelowexpectationsAnswer:B)remainedstableExplanation:Thecontrast"despitetheeconomicslowdown"impliesstabilityratherthandrasticchanges.3.Sentence:ToaddressthedigitaldivideinruralChongqing,thebankplansto_______itsmobilebankingservices.A)limitaccessB)expandofflinebranchesC)increasefeesD)reducefeaturesAnswer:B)expandofflinebranchesExplanation:Thecontextofthedigitaldividesuggestsimprovingaccess,whichofflinebranchescanachieve.4.Sentence:Thegovernment’sgreenfinancepolicyencouragesbanksto_______morefundsintorenewableenergyprojects.A)withdrawB)allocateC)investD)borrowAnswer:B)allocateExplanation:"Encourages"and"greenfinancepolicy"implydirectedfunding.5.Sentence:MinshengBank’sAI-drivenfrauddetectionsystemhelpsto_______financialcrimesbyanalyzingtransactionpatterns.A)ignoreB)reduceC)celebrateD)justifyAnswer:B)reduceExplanation:Frauddetectionsystemsaredesignedtominimizecriminalactivity.Part3:ClozeTest(完形填空)共5題，每題2分，總計(jì)10分Passage:ThebankingsectorinChongqingisundergoingrapidchangesduetotechnologicaladvancements.(1)_______,digitalbankinghasbecomethenormforurbanresidents.However,challengesremain,suchas(2)_______cybersecuritythreats.MinshengBankhastakenstepsto(3)_______theserisksbyimplementingadvancedencryptiontechnologies.Additionally,thebankhas(4)_______trainingprogramsforemployeestobetterservedigital-savvycustomers.(5)_______,thefutureofbankinginChongqinglookspromising,butitrequirescontinuousinnovation.1.A)ThereforeB)HoweverC)MoreoverD)DespiteAnswer:A)ThereforeExplanation:Thesentenceexplainstheconsequenceoftechnologicalchanges.2.A)mitigatingB)ignoringC)enhancingD)neglectingAnswer:B)ignoringExplanation:Thecontextsuggestsbanksshouldnotoverlooksecuritythreats.3.A)mitigateB)ignoreC)enhanceD)celebrateAnswer:A)mitigateExplanation:"Implementingadvancedencryption"alignswithreducingrisks.4.A)launchedB)canceledC)reducedD)delayedAnswer:A)launchedExplanation:Banksactivelyintroducetrainingprogramsfordigitalskills.5.A)EventuallyB)NeverthelessC)FurthermoreD)ConsequentlyAnswer:C)FurthermoreExplanation:Thesentenceaddsanotherpositivedevelopment.Part4:Grammar&Vocabulary(語(yǔ)法與詞匯)共5題，每題2分，總計(jì)10分1.Question:Thebank’snewpolicywill_______fromnextmonth.A)takeonB)takeeffectC)takeplaceD)takeoffAnswer:B)takeeffectExplanation:"Takeeffect"isthecorrectcollocationforpolicies.2.Question:Despitethechallenges,thefintechsectorinChongqing_______growthpotential.A)possessesB)facesC)lacksD)ignoresAnswer:A)possessesExplanation:"Possesses"indicatesthesectorhaspotential.3.Question:MinshengBank’sgreencreditprogramisdesignedto_______businessesthatadoptsustainablepractices.A)penalizeB)supportC)discourageD)regulateAnswer:B)supportExplanation:"Greencredit"impliesfinancialbackingforeco-friendlyinitiatives.4.Question:Theloanapplicationformrequiresapplicantsto_______theirincomedetails.A)provideB)borrowC)deleteD)modifyAnswer:A)provideExplanation:"Incomedetails"aregiventobanks,notborrowedoraltered.5.Question:Thebank’sAIsystemcan_______fraudulenttransactionsinrealtime.A)detectB)createC)deleteD)ignoreAnswer:A)detectExplanation:FrauddetectionistheprimaryfunctionofAIinbanking.Part5:BusinessCaseAnalysis(商業(yè)案例分析)共1題，10分Case:MinshengBankisconsideringexpandingitsgreenfinancedivisioninChongqing.Thebankhasidentifiedthreepotentialareasforinvestment:renewableenergy,electricvehicle(EV)infrastructure,andgreenbuildingprojects.However,thebank’sboardisdivided.SomemembersarguethatinvestinginEVswouldyieldhigherreturnsduetogovernmentsubsidies,whileothersbel