民生銀行桂林市秀峰區(qū)2025秋招筆試英語題專練及答案一、單選題（共10題，每題2分，合計(jì)20分）說明：每題提供四個(gè)選項(xiàng)，請(qǐng)選擇最佳答案。題目?jī)?nèi)容結(jié)合金融行業(yè)與桂林地域特色。1.(2分)AccordingtoarecentreportbythePeople'sBankofChina,thecreditgrowthinthesecondquarterof2024wasslowerthanexpected,partlyduetostricterregulationsonsmallandmedium-sizedenterprises(SMEs)inregionslikeGuilin.Whatdoesthisimplyforlocalfinancialinstitutions?A)SMEsinGuilinwillbenefitfrommoreloans.B)Localbanksmayfacehigherrisksincreditmanagement.C)TheGuilingovernmentwillincreasesubsidiesforSMEs.D)ThebankingsectorinGuilinwillexpandrapidly.2.(2分)AforeigninvestorisconsideringinvestinginGuilin'stourismindustry.Whichofthefollowingfactorswouldbemostcriticalforhimtoevaluate?A)Thelocalbankinginterestrates.B)ThehistoricalgrowthrateofGuilin'stourism.C)ThenumberofforeigntouristsinGuilinlastyear.D)Thegovernment'spolicyonforeigninvestment.3.(2分)Ifa民生銀行桂林分行employeeneedstoexplainthebenefitsofanewdigitalbankingservicetolocalcustomers,whichofthefollowingpointsshouldbeemphasized?A)Theservicerequireshighfees.B)Itisonlyavailableinmajorcities.C)Itintegratestraditionalbankingwithmobiletechnology.D)Itisexclusivelyforforeignclients.4.(2分)TheGuilinmunicipalgovernmenthaslaunchedacampaigntopromotegreenfinance.Whichofthefollowingprojectswouldbemostlikelytoreceivefundingunderthisinitiative?A)Acoal-firedpowerplantexpansion.B)ArenewableenergyprojectinGuilin.C)Arealestatedevelopmentinthecitycenter.D)Atraditionalmanufacturingplant.5.(2分)AcustomerfromGuilinappliesforamortgageat民生銀行.Iftheloanisapproved,whichdocumentwillbemostimportantforthecustomertoreview?A)Theannualinterestrate.B)Therepaymentschedule.C)Theloanapprovalamount.D)Thebank'slogo.6.(2分)WhichofthefollowingsentencesbestdescribestheimpactoftheGuilin-FreeTradeZoneonlocalbusinesses?A)Ithasledtoasignificantincreaseinsmallbusinessclosures.B)IthasattractedmoreforeigninvestorstoGuilin.C)Ithasreducedthelocalbankingsector'sprofitability.D)Ithasmadeitharderforlocalfirmstoaccessloans.7.(2分)Whena民生銀行桂林分行staffmemberisconductingafinancialliteracyworkshopforelderlycustomersinGuilin,whichtopicshouldbeprioritized?A)Thelateststockmarkettrends.B)Howtousemobilebankingsafely.C)ThehistoryofthePeople'sBankofChina.D)Thebenefitsofhigh-riskinvestments.8.(2分)IfaGuilin-basedcompanywantstoapplyforaloantoexpanditsoperations,whichfinancialdocumentshoulditprepare?A)Apersonalincometaxreturn.B)Abusinessplanwithfinancialprojections.C)Alistofallemployees'names.D)Acertificateofbankaccountownership.9.(2分)TheGuilingovernmenthasintroducedanewpolicytosupportstartups.Whichofthefollowingmeasureswouldbemostbeneficialforyoungentrepreneursinthecity?A)Higherinterestratesonbusinessloans.B)Reducedtaxincentivesforstartups.C)Mandatoryparticipationinbank-sponsoredtraining.D)Accesstolow-interestgovernment-backedloans.10.(2分)AcustomerinGuilinwantstotransferalargesumofmoneytoanothercity.Whichbankingserviceshouldthecustomeruse?A)Acashdeposit.B)Awiretransfer.C)Acryptocurrencyexchange.D)Acreditcardpayment.二、多選題（共5題，每題3分，合計(jì)15分）說明：每題提供四個(gè)選項(xiàng)，請(qǐng)選擇所有符合題意的選項(xiàng)。多選、錯(cuò)選均不得分。11.(3分)WhichofthefollowingarepotentialbenefitsoftheGuilin-FreeTradeZoneforlocalfinancialinstitutions?A)Increaseddemandforbankingservices.B)Loweroperatingcostsduetogovernmentsubsidies.C)Moreopportunitiesforcross-borderfinance.D)Reducedcompetitionfromforeignbanks.12.(3分)WhenpromotingasavingsaccounttargetedatGuilinresidents,a民生銀行employeeshouldhighlightwhichfeatures?A)Highinterestrates.B)Lowminimumdepositrequirements.C)Notransactionfees.D)Limitedtourbanareasonly.13.(3分)AforeigntouristinGuilinwantstoexchangeRMBforUSD.Whichbankingservicesshould民生銀行providetofacilitatethis?A)Currencyexchangecounters.B)Onlinebankingplatforms.C)Travelinsuranceoptions.D)Airportbranchlocations.14.(3分)IfaGuilin-basedcompanyisseekingaloantoinvestingreentechnology,whichdocumentsshoulditprepare?A)Environmentalimpactassessments.B)Financialstatements.C)Businesslicenses.D)Governmenttaxcertificates.15.(3分)WhichofthefollowingarecommonchallengesfacedbysmallbusinessesinGuilinwhenapplyingforloans?A)Highcollateralrequirements.B)Complexapplicationprocesses.C)Limitedaccesstofinancialadvisors.D)Favorableinterestrates.三、完形填空（共1題，每題10分，合計(jì)10分）說明：閱讀以下短文，選擇最佳答案填入空格。每空對(duì)應(yīng)一個(gè)選項(xiàng)。ThedevelopmentofGuilin'stourismindustryhasbeenadouble-edgedswordforlocalbusinesses.(16),theinfluxoftouristshasboostedrevenueformanyenterprises.However,(17),thehighoperatingcostshavesqueezedprofitmargins.ArecentstudybytheGuilinStatisticalBureaushowsthatwhiletouristspendinghasincreasedby15%inthepastyear,(18)thecostofrentandlaborhasrisenby20%.Thishasforcedmanysmallbusinessestoreevaluatetheirstrategies.Forexample,alocalrestaurantinGuilinhasstartedofferingdigitalpaymentoptionstoattractyoungertourists.(19),anotherbusinesshasinvestedineco-friendlypracticestoappealtoenvironmentallyconscioustravelers.Thesemeasureshavehelpedsomefirmssurvive,but(20)theoverallsituationremainschallenging.16.A)OntheonehandB)OntheotherhandC)AsaresultD)Despitethis17.A)ThereforeB)MoreoverC)HoweverD)Meanwhile18.A)althoughB)becauseC)soD)since19.A)MeanwhileB)SimilarlyC)ConsequentlyD)Otherwise20.A)yetB)stillC)eventhoughD)unless四、翻譯題（共1題，每題10分，合計(jì)10分）說明：將以下中文句子翻譯成英文。桂林市政府最近推出了一項(xiàng)政策，旨在通過綠色金融支持當(dāng)?shù)仄髽I(yè)的可持續(xù)發(fā)展。該政策鼓勵(lì)銀行向環(huán)保型企業(yè)提供低息貸款，并優(yōu)先審批這類項(xiàng)目。預(yù)計(jì)這項(xiàng)政策將有助于桂林實(shí)現(xiàn)其碳中和目標(biāo)，并提升城市綠色經(jīng)濟(jì)競(jìng)爭(zhēng)力。答案及解析一、單選題1.B解析：題目提到中國(guó)央行數(shù)據(jù)顯示桂林中小企業(yè)信貸增長(zhǎng)放緩，部分原因是監(jiān)管趨嚴(yán)。這暗示當(dāng)?shù)劂y行在信貸管理中可能面臨更高風(fēng)險(xiǎn)。選項(xiàng)A錯(cuò)誤，監(jiān)管趨嚴(yán)不利于中小企業(yè)貸款；選項(xiàng)C無直接關(guān)聯(lián)；選項(xiàng)D過于絕對(duì)。2.B解析：外國(guó)投資者評(píng)估桂林旅游業(yè)投資時(shí)，歷史增長(zhǎng)率是關(guān)鍵指標(biāo)，反映市場(chǎng)潛力。選項(xiàng)A、C、D是次要因素。3.C解析：民生銀行桂林分行推廣數(shù)字銀行服務(wù)時(shí)，應(yīng)強(qiáng)調(diào)其結(jié)合傳統(tǒng)與移動(dòng)技術(shù)的優(yōu)勢(shì)。選項(xiàng)A、B、D與市場(chǎng)需求不符。4.B解析：桂林市政府推廣綠色金融，優(yōu)先支持可再生能源項(xiàng)目。選項(xiàng)A、C、D不符合政策導(dǎo)向。5.B解析：房貸審批后，還款計(jì)劃對(duì)客戶至關(guān)重要，涉及每月支出。選項(xiàng)A、C、D是次要信息。6.B解析：桂林自貿(mào)區(qū)吸引外國(guó)投資，符合自由貿(mào)易區(qū)功能。選項(xiàng)A、C、D與實(shí)際情況相反。7.B解析：針對(duì)桂林老年客戶，應(yīng)普及安全使用移動(dòng)銀行的知識(shí)。選項(xiàng)A、C、D不切實(shí)際。8.B解析：企業(yè)申請(qǐng)貸款需提供財(cái)務(wù)預(yù)測(cè)等文件，選項(xiàng)B最符合要求。選項(xiàng)A、C、D不相關(guān)。9.D解析：桂林政府支持創(chuàng)業(yè)的政策應(yīng)提供低息貸款，選項(xiàng)D最符合政策目標(biāo)。選項(xiàng)A、B、C反常識(shí)。10.B解析：大額轉(zhuǎn)賬需使用銀行電匯服務(wù)，選項(xiàng)B最符合需求。選項(xiàng)A、C、D不適用。二、多選題11.A,C解析：自貿(mào)區(qū)增加銀行業(yè)務(wù)需求，提供跨境金融機(jī)會(huì)。選項(xiàng)B、D不正確。12.A,B,C解析：儲(chǔ)蓄賬戶應(yīng)強(qiáng)調(diào)高利率、低門檻、免手續(xù)費(fèi)。選項(xiàng)D