民生銀行濰坊市昌邑市2025秋招筆試英文行測(cè)高頻題含答案一、選詞填空（共5題，每題2分，共10分）題目：閱讀以下段落，從選項(xiàng)中選出最合適的單詞填入空白處，使文章意思完整、通順。1.Therapiddevelopmentofdigitalbankinghassignificantly______thetraditionalfinancialservicesindustry,forcingmanyinstitutionstoadaptorfaceobsolescence.A.revolutionizedB.regulatedC.optimizedD.standardized2.InthecontextofChina'sfinancialmarket,the______roleofthePeople'sBankofChinaistomaintainmonetarystabilityandpromoteeconomicgrowth.A.regulatoryB.advisoryC.commercialD.operational3.濰坊市昌邑市的農(nóng)業(yè)銀行網(wǎng)點(diǎn)通過引入智能柜員機(jī)，______customerserviceefficiencywhilereducingoperationalcosts.A.enhancesB.diminishesC.complicatesD.delays4.ThenewBaselIIIframeworkrequiresbankstomaintainhigher______capitalratiostomitigatesystemicrisks.A.liquidityB.leverageC.reserveD.equity5.LocalfinancialinstitutionsinShandongprovinceoften______cross-borderpaymentsolutionstomeetthegrowingdemandforinternationaltrade.A.implementB.neglectC.undermineD.evaluate二、閱讀理解（共4題，每題3分，共12分）題目：閱讀以下短文，回答問題。Passage:TheriseoffintechhastransformedthewayChineseconsumersaccessfinancialservices.Unliketraditionalbanks,fintechcompanieslikeAntGroupandTencentFinancialleveragebigdataandAItoofferpersonalizedbankingsolutions.Forinstance,AntGroup’sYu’EBao(Yu’EBao)hasbecomethemostpopularmoneymanagementappinChina,withover500millionusers.However,thisrapidgrowthhasalsoraisedregulatoryconcerns.TheChinesegovernmenthasintroducedstricterrulestopreventfinancialrisksandensuredataprivacy.Despitethesechallenges,fintechisexpectedtocontinuereshapingthefinanciallandscapein濰坊市昌邑市andbeyond.1.Whatisthemainpurposeofthepassage?A.Tocriticizefintechcompanies.B.TohighlighttheimpactoffintechonChina’sfinancialsector.C.Topromotetraditionalbankingoverfintech.D.Toadvocateforgovernmentregulationoffintech.2.HowdoesYu’EBaodifferfromtraditionalbanks?A.Itchargeshigherfees.B.Itlacksaphysicalpresence.C.ItusesbigdataandAIforservices.D.Itisonlyavailablein濰坊市昌邑市.3.WhatchallengesdoesfintechfaceinChina?A.Lowuserengagement.B.Highoperationalcosts.C.Regulatoryscrutiny.D.Limitedmarketreach.4.Whatdoesthepassagesuggestaboutthefutureoffintech?A.Itwilldeclineduetoregulation.B.Itwillcontinuetogrowbutfacechallenges.C.Itwillreplacetraditionalbanksentirely.D.Itwillfocusonlyonlargecities.三、語法填空（共5題，每題2分，共10分）題目：根據(jù)句子意思和所給提示詞，用適當(dāng)形式填空。1.TheBankofChinainWeifang______(establish)in1912andhassinceplayedapivotalroleinChina’seconomicdevelopment.2.Ifbanksfailtocomplywithnewanti-moneylaunderinglaws,they______(face)heavypenalties.3.Inrecentyears,theagriculturalsectorinChangyi______(experience)significantgrowthduetotechnologicaladvancements.4.ThePeople’sBankofChina______(issue)anewdigitalcurrencytrialinShenzhenearlierthisyear.5.Smallandmedium-sizedenterprisesin濰坊市昌邑市often______(struggle)withlimitedaccesstocredit.四、完形填空（共5題，每題2分，共10分）題目：閱讀以下短文，選擇最佳選項(xiàng)填空。Lastyear,theIndustrialandCommercialBankofChina(ICBC)inChangyilaunchedapilotprogramto______(1)digital人民幣inlocalmarkets.Theinitiativeaimedto______(2)howdigitalcurrencycouldimprovepaymentefficiency.Over1,000merchants______(3)toparticipate,includingsupermarkets,restaurants,andonlineplatforms.AccordingtoICBC,theprogram______(4)a30%increaseindigitaltransactionsinthecity.However,challengessuchastechnicalcompatibilityanduseradoption______(5)remain.1.A.introduceB.introduce’sC.introducesD.introduced2.A.examineB.examiningC.examinedD.examinable3.A.agreedB.agreeC.agreeingD.agreed’s4.A.recordedB.recordsC.recordingD.recorded’s5.A.didB.doesC.doingD.done五、翻譯（共4題，每題3分，共12分）題目：將以下中文句子翻譯成英文。1.中國人民銀行要求商業(yè)銀行加強(qiáng)反洗錢監(jiān)管，以防范金融風(fēng)險(xiǎn)。2.濰坊市昌邑市的農(nóng)村信用社通過提供小額信貸，支持當(dāng)?shù)剞r(nóng)業(yè)發(fā)展。3.新的金融監(jiān)管政策旨在保護(hù)消費(fèi)者權(quán)益，同時(shí)促進(jìn)市場(chǎng)公平競爭。4.數(shù)字銀行的發(fā)展改變了傳統(tǒng)金融服務(wù)的模式，為客戶提供了更多便利。答案與解析一、選詞填空1.A.revolutionized-解析：digitalbankinghassignificantlyrevolutionizedthetraditionalfinancialservicesindustry（數(shù)字銀行業(yè)革命性地改變了傳統(tǒng)金融服務(wù)行業(yè)）。2.A.regulatory-解析：ThePeople'sBankofChinaplaysaregulatoryrole（中國人民銀行扮演監(jiān)管角色）。3.A.enhances-解析：ThesmartATMsenhancecustomerserviceefficiency（智能柜員機(jī)提高了服務(wù)效率）。4.B.leverage-解析：Banksarerequiredtomaintainhigherleveragecapitalratios（銀行被要求維持更高的杠桿資本比率）。5.A.implement-解析：Localfinancialinstitutionsimplementcross-borderpaymentsolutions（當(dāng)?shù)亟鹑跈C(jī)構(gòu)實(shí)施跨境支付解決方案）。二、閱讀理解1.B.TohighlighttheimpactoffintechonChina’sfinancialsector.-解析：文章主要討論了fintech對(duì)中國金融行業(yè)的影響。2.C.ItusesbigdataandAIforservices.-解析：文章提到Y(jié)u’EBaousesbigdataandAI（余額寶利用大數(shù)據(jù)和AI）。3.C.Regulatoryscrutiny.-解析：文章指出政府加強(qiáng)監(jiān)管以防范風(fēng)險(xiǎn)。4.B.Itwillcontinuetogrowbutfacechallenges.-解析：文章認(rèn)為fintech將持續(xù)發(fā)展但面臨挑戰(zhàn)。三、語法填空1.wasestablished-解析：過去時(shí)態(tài)，表示“成立于1912年”。2.willface-解析：條件句中的將來時(shí)態(tài)。3.hasexperienced-解析：現(xiàn)在完成時(shí)，表示“近年來經(jīng)歷了增長”。4.hasissued-解析：現(xiàn)在完成時(shí)，表示“今年早些時(shí)候發(fā)行了數(shù)字貨幣”。5.struggle-解析：一般現(xiàn)在時(shí)，表示“中小企業(yè)經(jīng)常面臨困難”。四、完形填空1.A.introduce-解析：動(dòng)詞原形，符合句意“推出數(shù)字人民幣”。2.A.examine-解析：不定式表目的，表示“旨在檢驗(yàn)數(shù)字貨幣的效率”。3.A.agreed-解析：過去時(shí)態(tài)，表示“超過1000家商家同意參與”。4.A.recorded-解析：過去時(shí)態(tài)，表示“記錄了30%的增長”。5.A.did-解析：助動(dòng)詞，強(qiáng)調(diào)“仍然存在”。五、翻譯1.ThePeople'sBankofChinarequirescommercialbankstostrengthenanti-moneylaunderingsupervisiontopreventfinancialrisks.-解析：準(zhǔn)確翻譯了監(jiān)管要求和目的。2.RuralcreditunionsinChangyisupportlocalagriculturaldevelopmentbyprovidingmicro-loans.-解析：使用了micro-loans和support等關(guān)鍵詞。3.Newfinancialregulatorypolicie