民生銀行寧波市鄞州區(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）directions:Choosethebestwordtofillineachblank.1.Therapiddevelopmentofdigitalbankinghassignificantly__________traditionalfinancialservicesinurbanareaslikeNingbo.A.replacedB.supportedC.complementedD.challenged____________2.Toenhancecustomer__________,thebankplanstointroducemoreAI-drivenpersonalizedservicesinthe鄞州branch.A.satisfactionB.trustC.retentionD.efficiency____________3.Thenewmobilebankingappaimsto__________thegapbetweenruralandurbanfinancialservicesinZhejiangprovince.A.closeB.widenC.bridgeD.narrow____________4.TheNingbobranch’sinnovativeapproachtocreditassessmenthas__________thebank’scompetitiveedgeinthelocalmarket.A.strengthenedB.weakenedC.diminishedD.marginalized____________5.Localregulationsrequirethebankto__________strictcompliancemeasurestoprotectconsumerdatainthedigitalera.A.enforceB.ignoreC.overlookD.postpone____________二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagebelowandanswerthequestions.Passage:Theriseoffintechhastransformedthebankingindustry,particularlyinregionslikeNingbo,wheretraditionalbanksarecompetingwithtech-drivenfinancialservices.Accordingtoa2024reportbytheChinaBankingandInsuranceRegulatoryCommission,theadoptionofdigitalbankingtoolshasincreasedby35%inthepasttwoyears.Thisshifthasforcedbankstoinnovate,especiallyincustomerserviceandriskmanagement.Forexample,the鄞州branchofMinshengBankhasintroducedanAI-poweredcreditscoringsystem,whichreducesapprovaltimesby50%whilemaintaininghighaccuracy.However,challengesremain,suchasensuringdatasecurityandaddressingthedigitaldividebetweenurbanandruralareas.Thebankalsofacespressuretocomplywithstricteranti-moneylaundering(AML)regulations,whicharebecomingmorestringentinZhejiang.1.WhathasbeenthemostsignificantimpactoffintechontraditionalbankinginNingbo?A.IncreasedcompetitionB.DeclineincustomertrustC.HigheroperationalcostsD.Reducedinnovation____________2.HowhasMinshengBankinYinzhouadaptedtothefintechrevolution?A.ByeliminatingalldigitalservicesB.ByfocusingsolelyonruralmarketsC.ByadoptingAI-drivencreditscoringD.Byincreasingphysicalbranchoperations____________3.Accordingtothepassage,whatisoneofthebiggestchallengesforbanksinZhejiang?A.DigitaldivideB.ExcessiveregulatoryoversightC.HighcustomersatisfactionD.Limitedmarketgrowth____________4.WhatdoesthepassagesuggestaboutthefutureofbankinginNingbo?A.TraditionalbankswilldominatethemarketB.FintechwillreplacetraditionalbankingC.CollaborationbetweenbanksandfintechswillincreaseD.Theindustrywillstagnate____________三、完形填空（共5題，每題2分，共10分）directions:Completethepassagewiththebestwordsfromthebox.|Box:|modernize|optimize|integrate|innovate|comply|||-|-|-|-|--|The鄞州branchofMinshengBankhasbeenworkingto__________itsoperationstomeetthegrowingdemandsofdigitalbanking.By__________withthelatestfintechsolutions,thebankhasimproveditsserviceefficiency.Oneofthekeyinitiativeswasthe__________ofanewmobileapp,whichallowedcustomerstoaccessbankingservicesanytime,anywhere.Additionally,thebankhastakenstepsto__________withnewdataprotectionlawsinZhejiang.Theseeffortshavenotonlyenhancedcustomersatisfactionbutalso__________thebank’smarketshareintheregion.1.Thefirstblankshouldbe:A.modernizeB.optimizeC.integrateD.innovate____________2.Thesecondblankshouldbe:A.modernizeB.optimizeC.integrateD.innovate____________3.Thethirdblankshouldbe:A.modernizeB.optimizeC.integrateD.innovate____________4.Thefourthblankshouldbe:A.modernizeB.optimizeC.integrateD.innovate____________5.Thefifthblankshouldbe:A.modernizeB.optimizeC.integrateD.innovate____________四、翻譯題（共2題，每題5分，共10分）directions:TranslatethefollowingsentencesintoEnglish.1.隨著寧波經(jīng)濟(jì)的快速發(fā)展，民生銀行鄞州分行致力于提升金融服務(wù)的普惠性，以更好地服務(wù)當(dāng)?shù)鼐用瘛___________2.為應(yīng)對日益復(fù)雜的金融監(jiān)管環(huán)境，銀行需要不斷優(yōu)化風(fēng)險管理機(jī)制，確保業(yè)務(wù)合規(guī)性。____________五、句子改錯（共5題，每題2分，共10分）directions:Identifyandcorrecttheerrorsinthefollowingsentences.1.Thenewcreditscoringsystemwillimprovethebank’sefficiencyandreducethecostofloanapproval.→____________2.Despitethechallenges,thebankhasmanagedtoenhancecustomersatisfactioninthepastyear.→____________3.ByusingAI-driventools,financialinstitutionscanbettermanageriskandimproveservicedelivery.→____________4.The鄞州branch’sdigitaltransformationhasbeenslowerthanotherregionsinZhejiang.→____________5.Tocomplywithlocalregulations,thebankmustensureallcustomerdataisstoredsecurely.→____________答案與解析一、選詞填空1.A.replaced解析：DigitalbankinghasreplacedtraditionalservicesinurbanareaslikeNingbobyofferingmoreconvenientandefficientsolutions.2.C.retention解析：Thebankaimstoretaincustomersbyprovidingbetterservices,whichisakeyconcerninthecompetitivefinancialmarket.3.C.bridge解析：Theappisdesignedtobridgethegapbetweenruralandurbanfinancialservices,ensuringequalaccesstobankingtools.4.A.strengthened解析：Theinnovativeapproachhasstrengthenedthebank’scompetitiveedgebymakingitmoreefficientandcustomer-friendly.5.A.enforce解析：Thebankmustenforcestrictcompliancemeasurestoprotectconsumerdata,asregulationsarebecomingmorestringent.二、閱讀理解1.A.Increasedcompetition解析：ThepassagestatesthatfintechhasforcedtraditionalbankstocompetemoreaggressivelyinurbanareaslikeNingbo.2.C.ByadoptingAI-drivencreditscoring解析：ThepassagementionsthatMinshengBankinYinzhouintroducedanAI-poweredcreditscoringsystemtoimproveefficiency.3.A.Digitaldivide解析：ThepassagehighlightsthechallengeofthedigitaldividebetweenurbanandruralareasinZhejiang.4.C.Collaborationbetweenbanksandfintechswillincrease解析：Thepassagesuggeststhattraditionalbanksandfintechswilllikelycollaboratetoadapttothechangingmarket.三、完形填空1.A.modernize2.C.integrate3.D.innovate4.A.modernize5.B.optimize四、翻譯題1.WiththerapiddevelopmentoftheeconomyinNingbo,theYinzhoubranchofMinshengBankiscommittedtoimprovingtheinclusivenessoffinancialservicestobetterservelocalresidents.2.Toaddresstheincreasinglycomplexfinancialregulatoryenvironment,banksneedtocontinuouslyoptimizeriskmanagementmechanismstoensurebusinesscomplianc