民生銀行廈門市同安區(qū)2025秋招筆試英文行測高頻題含答案一、選詞填空（共5題，每題2分，共10分）題目：1.Therapiddevelopmentoffintechhas______thetraditionalbankingmodel,requiringfinancialinstitutionstoadapttonewtechnologies.A.revolutionizedB.complicatedC.standardizedD.decentralized2.Inthecontextofcross-bordertrade,efficientlogisticscan______theoverallcompetitivenessofacompany.A.enhanceB.diminishC.postponeD.neglect3.Thenewpolicyaimsto______thegapbetweenurbanandruralfinancialservicesbyincreasingsubsidiesforruralbanks.A.bridgeB.widenC.narrowD.eliminate4.Duetothepandemic,manySMEsinXiamenfaced______liquiditychallenges,leadingtotemporaryclosures.A.severeB.moderateC.minorD.gradual5.Thebank’sdigitaltransformationstrategyisdesignedto______customerexperiencethroughAI-drivenservices.A.improveB.degradeC.stabilizeD.disrupt二、閱讀理解（共4題，每題3分，共12分）題目：Passage1:TheriseofdigitalbankinghasreshapedthefinancialindustryinSoutheastAsia,particularlyincitieslikeXiamen.Accordingtoa2024reportbyFitch,60%ofbankingtransactionsintheregionarenowconductedonline.Thisshifthasforcedtraditionalbankstoinvestheavilyincybersecurityandmobilebankingplatforms.However,challengesremain,suchasensuringdataprivacyandregulatorycompliance.LocalbanksinXiamenhaverespondedbypartneringwithfintechstartupstoleveragetheirtechnologicalexpertise.1.WhatistheprimarydriverofdigitalbankinginSoutheastAsia?A.GovernmentmandatesB.ConsumerpreferenceforonlineservicesC.ReductioninphysicalbranchesD.Increasedcompetitionfromforeignbanks2.WhatdoesthereportbyFitchhighlightaboutbankingtransactionsintheregion?A.AdeclineindigitaltransactionsB.Apreferenceforcash-basedtransactionsC.AsignificantshifttoonlinebankingD.Afocusonruralbanking3.Accordingtothepassage,whatisamajorchallengefortraditionalbanksinXiamen?A.HighoperatingcostsB.CybersecurityandregulatorycomplianceC.InsufficientcustomerbaseD.Lackoffintechpartnerships4.WhyhavelocalbanksinXiamenpartneredwithfintechstartups?A.ToreducecostsB.ToenhancetechnologicalcapabilitiesC.ToexpandtheirbranchnetworksD.ToincreaseprofitmarginsPassage2:TheCOVID-19pandemichasacceleratedtheadoptionofcontactlesspaymentsinXiamen,asseeninthesurgeofmobilewalletusage.A2023studybytheXiamenFinancialBureaufoundthat45%ofconsumersnowprefercontactlesstransactionsovercash.Thistrendhasbenefitedbothcustomersandmerchants,asitreducestheriskofvirustransmission.However,ithasalsoraisedconcernsaboutfraudanddatasecurity.Thebankhasintroducedadvancedencryptiontechnologiestomitigatetheserisks.5.WhathasbeentheimpactofthepandemiconpaymentmethodsinXiamen?A.IncreasedcashusageB.DeclineindigitalpaymentsC.RiseincontactlesspaymentsD.Nosignificantchange6.Accordingtothestudy,whatpercentageofconsumersprefercontactlesstransactions?A.25%B.35%C.45%D.55%7.Whatisamajorconcernassociatedwithcontactlesspayments?A.HightransactionfeesB.FraudanddatasecurityrisksC.ReducedconvenienceD.Limitedmerchantacceptance8.Howhasthebankaddressedtheissueoffraudincontactlesspayments?A.ByincreasingtransactionfeesB.ByintroducingencryptiontechnologiesC.ByexpandingphysicalbranchesD.Byencouragingcashtransactions三、完形填空（共5題，每題2分，共10分）題目：ThebankingsectorinXiamenhasundergonesignificantchangesinrecentyears,drivenbytechnologicaladvancementsandevolvingcustomerexpectations.______,theintegrationofartificialintelligence(AI)hasbeenagame-changer.AI-poweredchatbotshave______24/7customersupport,improvingserviceefficiency.______,therearechallengesinensuringdataprivacyandregulatorycompliance.Banksmuststrikeabalancebetweeninnovationandriskmanagement.______,thefutureofbankinginXiamenlookspromising,withmorepersonalizedandautomatedservicesonthehorizon.1.______A.HoweverB.MoreoverC.ThereforeD.Nevertheless2.______A.enabledB.replacedC.limitedD.delayed3.______A.MoreoverB.HoweverC.ThusD.Instead4.______A.SimilarlyB.ConsequentlyC.ThereforeD.Additionally5.______A.EventuallyB.CurrentlyC.MoreoverD.Otherwise四、翻譯（共3題，每題4分，共12分）題目：1.Thebank’scommitmenttosustainablefinanceensuresthatitsinvestmentsalignwithenvironmental,social,andgovernance(ESG)criteria.（翻譯成中文）2.Toenhancefinancialinclusion,thebankhaslaunchedaseriesofprogramstosupportruralcreditandmicrofinanceinitiatives.（翻譯成英文）3.TheregulatoryframeworkinXiamenrequiresbankstomaintainarobustriskmanagementsystemtosafeguardagainstmarketvolatility.（翻譯成中文）五、句子改錯（共4題，每題3分，共12分）題目：1.Thedigitalbankingplatformhasbeendevelopedtomakeitmoreconvenientforcustomerstoaccesstheiraccountsanytime,anyplace.2.Despitethechallenges,thebankhasmanagedtoincreaseitsmarketsharebyofferinginnovativefinancialproducts.3.Thenewpolicywillcomeintoeffectfromnextmonth,whichwillrequirebankstosubmitmorefrequentreportstoregulators.4.Theintegrationofblockchaintechnologycanimprovethetransparencyandefficiencyofcross-bordertransactions.答案與解析一、選詞填空1.A.revolutionized-解析：fintech（金融科技）對傳統(tǒng)銀行模式產(chǎn)生了顛覆性影響，因此用"revolutionized"（顛覆化）最合適。2.A.enhance-解析：高效的物流能提升公司的競爭力，"enhance"（增強(qiáng)）符合語境。3.A.bridge-解析：政策旨在縮小城鄉(xiāng)金融服務(wù)差距，"bridge"（彌合）最符合文意。4.A.severe-解析：疫情導(dǎo)致許多中小企業(yè)面臨嚴(yán)重的流動性挑戰(zhàn)，"severe"（嚴(yán)重的）最貼切。5.A.improve-解析：數(shù)字化戰(zhàn)略旨在通過AI提升客戶體驗，"improve"（改善）最合適。二、閱讀理解1.B.Consumerpreferenceforonlineservices-解析：文章指出60%的交易是線上完成，表明消費(fèi)者偏好在線服務(wù)。2.C.Asignificantshifttoonlinebanking-解析：Fitch報告強(qiáng)調(diào)數(shù)字交易占比大幅提升。3.B.Cybersecurityandregulatorycompliance-解析：文章提到傳統(tǒng)銀行需應(yīng)對數(shù)據(jù)隱私和監(jiān)管合規(guī)的挑戰(zhàn)。4.B.Toenhancetechnologicalcapabilities-解析：銀行與fintech合作是為了提升技術(shù)能力。5.C.Riseincontactlesspayments-解析：研究表明45%消費(fèi)者更偏好無接觸支付。6.C.45%-解析：原文直接給出數(shù)據(jù)。7.B.Fraudandda