民生銀行蘭州市七里河區(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）（針對銀行業(yè)務(wù)和金融術(shù)語，考察詞匯應(yīng)用能力）1.Thebank'snewpolicyaimsto______theriskoffraudbyimplementingstricteridentityverification.A.mitigateB.exacerbateC.allocateD.fluctuate正確答案：A解析：mitigate（減輕）符合銀行業(yè)務(wù)語境；exacerbate（加?。?、allocate（分配）、fluctuate（波動）均不符合句意。2.Despiteeconomicdownturns,thedemandforhigh-yieldsavingsaccountsin蘭州has______remainedstable.A.predominantlyB.sporadicallyC.consistentlyD.reluctantly正確答案：C解析：consistently（始終如一地）符合經(jīng)濟穩(wěn)定性描述；predominantly（主要地）、sporadically（零星地）、reluctantly（不情愿地）均不合適。3.Theloanofficersuggestedthattheclient______therepaymentscheduletoavoidlatefees.A.adheresB.postponeC.negotiatesD.modifies正確答案：D解析：modify（調(diào)整）最符合銀行業(yè)務(wù)場景；adhere（遵守）、postpone（推遲）、negotiates（協(xié)商）語義偏差。4.Thebank's______strategyincludesexpandingitsdigitalbankingservicestoattractyoungercustomersin蘭州.A.stagnantB.progressiveC.conservativeD.volatile正確答案：B解析：progressive（進(jìn)步的）符合銀行業(yè)數(shù)字化轉(zhuǎn)型趨勢；stagnant（停滯的）、conservative（保守的）、volatile（波動的）均不匹配。5.Theregulatorycommitteereviewedthe______toensurecompliancewithlocalfinanciallaws.A.documentationB.inflationC.algorithmD.dividend正確答案：A解析：documentation（文件）是銀行業(yè)合規(guī)審查的核心；inflation（通脹）、algorithm（算法）、dividend（股息）均不相關(guān)。二、閱讀理解（共4題，每題3分，共12分）（結(jié)合蘭州本地金融發(fā)展趨勢，考察信息提取和邏輯分析能力）Passage1:ThePeople'sBankofChinarecentlyannouncedmeasurestosupportsmallbusinessesin蘭州byreducinglendingratesandincreasingcreditquotas.Localbanks,includingMinshengBank,haverespondedbylaunchingspecialloanprograms.Theseinitiativesaimtoalleviateliquiditypressuresandstimulateeconomicgrowthintheregion.However,someanalystsarguethatthelong-termsustainabilityofthesepoliciesremainsuncertainduetohighinflationratesandgeopoliticalrisks.1.Whatistheprimarygoalofthecentralbank'snewpolicyin蘭州?A.Toincreaseinflation.B.Tosupportsmallbusinesses.C.Toreducecreditquotas.D.Topromoteforeigninvestment.正確答案：B解析：文中明確提到政策旨在“supportsmallbusinesses.”2.Accordingtothepassage,whatisaconcernaboutthenewmeasures?A.Theywillleadtoeconomiccollapse.B.Theymaynotbesustainableinthelongrun.C.Theywillharmlargecorporations.D.Theylackpublicsupport.正確答案：B解析：分析師指出政策“l(fā)ong-termsustainabilityremainsuncertain.”3.Whichbankismentionedasimplementingtheloanprograms?A.BankofChina.B.MinshengBank.C.IndustrialandCommercialBank.D.AgriculturalBankofChina.正確答案：B解析：文中直接提及“MinshengBank”響應(yīng)政策。4.Whatdoesthepassagesuggestaboutinflationin蘭州?A.Itislowandstable.B.Itishighandmayhinderpolicyeffectiveness.C.Itisunrelatedtothenewmeasures.D.Itisexpectedtodecrease.正確答案：B解析：文中提到“highinflationrates”是政策實施的一大挑戰(zhàn)。Passage2:Aspartofitsgreenfinanceinitiative,MinshengBankhasannouncedplanstoinvest5billionRMBinrenewableenergyprojectsin蘭州overthenextthreeyears.Thebankhassignedpartnershipswithlocalsolarandwindenergycompaniestofundinfrastructuredevelopment.Thismovealignswiththecity'sgoalofreducingcarbonemissionsby2030.However,criticsarguethatthehighinitialcostsmaystrainthebank'sfinancialresources.5.WhatisthemainfocusofMinshengBank'snewinvestmentplan?A.Traditionalbankingservices.B.Renewableenergyprojects.C.Realestatedevelopment.D.Internationaltrade.正確答案：B解析：文中明確指出投資方向為“renewableenergyprojects.”6.Whyisthereskepticismabouttheplan?A.Itlacksgovernmentsupport.B.Itmaybetooexpensiveforthebank.C.Itwillnotbenefitlocalcommunities.D.Itfocusesonoutdatedtechnologies.正確答案：B解析：批評者指出“highinitialcosts”是潛在問題。7.Whatdoesthebank'sinitiativereflectabout蘭州'spriorities?A.Economicgrowthoverenvironmentalsustainability.B.Acommitmenttoreducingcarbonemissions.C.Ashifttowardtraditionalindustries.D.Afocusonshort-termprofits.正確答案：B解析：文中提到蘭州“goalofreducingcarbonemissions.”8.Whichstakeholdersarelikelytobenefitfromthebank'sinvestments?A.Retailcustomers.B.Renewableenergycompanies.C.Governmentofficials.D.Privateinvestors.正確答案：B解析：銀行與“l(fā)ocalsolarandwindenergycompanies”合作，故這些公司受益。三、句子改錯（共5題，每題2分，共10分）（針對銀行業(yè)務(wù)郵件或報告中的常見語法錯誤）1.Theloanapplicationwasapproveddespitetheapplicant'spoorcredithistory.Thebankconsideredhisfutureincomepotentialasamitigatingfactor.錯誤：無答案：正確2.Ifyouhaveanyquestionsregardingtheinvestmentterms,pleasedonothesitatetocontactourcustomerserviceteamimmediately.錯誤：無答案：正確3.Thebankwillnotberesponsibleforanylossesthatmayoccurduetomarketfluctuationsorchangesininterestrates.錯誤：無答案：正確4.Althoughtheeconomicsituationin蘭州isimproving,thedemandformortgagesremainslowcomparedtolastyear.錯誤：無答案：正確5.Wewouldliketothankyouforyourinterestinourfixeddepositproducts,andwehopethatthesewillmeetyourfinancialneeds.錯誤：無答案：正確四、完形填空（共5題，每題2分，共10分）（結(jié)合金融行業(yè)和蘭州本地經(jīng)濟情況）Therecenteconomicreformsin蘭州havebroughtbothopportunitiesandchallengesforlocalbanks.Aspartofthegovernment'sinitiativetoboostsmallbusinesses,MinshengBankhasintroducedseveralinnovativefinancialproducts.Theseincludelow-interestloans,onlinebankingplatforms,andpersonalizedfinancialadvice.Whilethesemeasureshavehelpedmanyentrepreneurs,somecriticsarguethattheymayincreasethebank'soperationalrisks.However,thebank'smanagementbelievesthatthebenefitsoutweighthedrawbacks.Bystayingaheadofmarkettrends,MinshengBankaimstostrengthenitspositioninthecompetitivebankingsector.6.Whatisthemainfocusofthegovernment'sinitiativein蘭州?A.Reducingunemployment.B.Promotingsmallbusinesses.C.Increasingforeigninvestment.D.Restructuringstate-ownedenterprises.正確答案：B解析：文中明確提到“boostsmallbusinesses.”7.WhatnewserviceshasMinshengBankintroduced?A.Cashwithdrawalsonly.B.Low-interestloansandonlinebanking.C.High-riskinvestments.D.Traditionalbankingservices.正確答案：B解析：文中列舉了“l(fā)ow-interestloans,onlinebankingplatforms.”8.Whatisaconcernaboutthebank'snewmeasures?A.Theyaretooexpensivetoimplement.B.Theymayincreaseoperationalrisks.C.Theylackcustomersupport.D.Theyarenotpopularamongclients.正確答案：B解析：批評者指出“mayincreasethebank'soperationalrisks.”9.WhatisMinshengBank'sstrategyforlong-termgrowth?A.Expandingintointernationalmarkets.B.Stayingaheadofmarkettrends.C.Reducingthenumberofemployees.D.Focusingontraditionalbanking.正確答案：B解析：銀行管理層認(rèn)為“benefitsoutweighthedrawbacks”的關(guān)鍵是“stayingaheadofmarkettrends.”10.Whatdoesthepassagesuggestaboutthebankingsectorin蘭州?A.Itishighlyregulated.B.Itisbecomingmorecompetitive.C.Itisdominatedbyforeignbanks.D.Itisstagnantandoutdated.正確答案：B解析：文中提到“competitivebankingsector”表明行業(yè)競爭加劇。五、翻譯填空（共5題，每題2分，共10分）（將中文金融術(shù)語翻譯成英文）1