民生銀行鄭州市金水區(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.Therapiddevelopmentofdigitalbankinghastransformedthewayfinancialinstitutions______customers.A.interactwithB.interactatC.interacttoD.interactin2.Despiteeconomicfluctuations,thedemandforonlinebankingservicesinChinahas______overthepastdecade.A.declinedsteadilyB.remainedsteadyC.fluctuatedunpredictablyD.increaseddramatically3.Toenhanceservicequality,banksmustprioritize______customerfeedbackandadapttochangingmarketneeds.A.collectingB.collectedC.collectD.collects4.TheimplementationofAI-drivenriskmanagementsystemshassignificantly______operationalefficiencyincommercialbanks.A.improvedB.improveC.improvingD.improves5.ManyfinancialinstitutionsinZhengzhouareexploringwaysto______sustainablebankingpractices.A.adoptB.adoptingC.adoptedD.adopts二、閱讀理解（共4題，每題3分，共12分）directions:Readthepassagecarefullyandanswerthefollowingquestions.Passage:Theriseoffintechhasreshapedthebankingindustry,particularlyinurbancenterslikeZhengzhou.Traditionalbanksarenowcompetingwithtech-drivenstartupsthatoffermoreconvenientandpersonalizedfinancialservices.Accordingtoa2024reportbytheChinaBankingAssociation,over60%ofyoungconsumersinZhengzhoupreferdigitalbankingplatformsoverphysicalbranches.Thisshifthasforcedbankstoinnovateandintegrateadvancedtechnologiessuchasblockchainandbigdataanalyticsintotheiroperations.However,regulatorychallengesremainasignificanthurdleforfintechcompaniesseekingtoexpandtheirmarketshare.1.WhathasbeentheprimaryimpactoffintechontraditionalbankinginZhengzhou?A.IncreasedcompetitionB.DecreasedprofitabilityC.ReducedcustomerengagementD.Limitedtechnologicaladoption2.Accordingtothepassage,whatpercentageofyoungconsumersinZhengzhoupreferdigitalbanking?A.40%B.50%C.60%D.70%3.WhatisamajorchallengefacedbyfintechcompaniesinZhengzhou?A.HighoperationalcostsB.RegulatoryhurdlesC.LackofskilledworkersD.Insufficientfunding4.Thepassagesuggeststhattraditionalbanksareadaptingtofintechcompetitionby:A.closingphysicalbranchesB.investinginadvancedtechnologiesC.reducingservicefeesD.increasingbranchdensity三、完形填空（共5題，每題2分，共10分）directions:Fillineachblankwiththemostappropriatewordfromthelistbelow.|Wordstochoosefrom:|transform|integrate|mitigate|leverage|optimize||--|-|-|-|-|-|1.FinancialinstitutionsinZhengzhoumust______blockchaintechnologytoenhancesecurity.2.ThenewAIsystemwill______operationalinefficienciesinthebank.3.Banksneedto______customerdatatoimprovepersonalizedservices.4.Digitaltransformationhas______thewaybanksinteractwithclients.5.Effectiveriskmanagementstrategiescan______potentialfinanciallosses.四、語法填空（共5題，每題2分，共10分）directions:Completethefollowingsentenceswiththecorrectformoftheverbinparentheses.1.Ifbanks______(notadopt)digitalsolutions,theymaylosecompetitiveness.2.Themanagementteam______(discuss)thenewfinancialpoliciesnextweek.3.Customers______(expect)fasterandmoretransparentbankingservices.4.Ourbank______(implement)anewfrauddetectionsystemlastyear.5.Toattractyoungprofessionals,banks______(offer)innovativefinancialproducts.五、翻譯填空（共5題，每題2分，共10分）directions:TranslatethefollowingsentencesintoEnglish.1.鄭州市的許多銀行正在探索綠色金融的發(fā)展模式。2.為了提高客戶滿意度，銀行應(yīng)加強(qiáng)線上服務(wù)體驗。3.人工智能在風(fēng)險管理中的應(yīng)用越來越廣泛。4.數(shù)字化轉(zhuǎn)型是銀行業(yè)未來的重要趨勢。5.民生銀行致力于為客戶提供更便捷的金融服務(wù)。答案與解析一、選詞填空1.A.interactwith-解析：Thephrase"interactwithcustomers"isgrammaticallycorrectandcontextuallyappropriate.2.D.increaseddramatically-解析：Thepassagementionsthe"rapiddevelopmentofdigitalbanking,"indicatingsignificantgrowth.3.A.collecting-解析：Thepresentparticiple"collecting"fitsthesentencestructureandmeaning.4.A.improved-解析：Thepassivevoice"hasimproved"alignswiththesubject"systems."5.A.adopt-解析：Theverb"adopt"isthecorrectformtodescribetheactionofimplementingpractices.二、閱讀理解1.A.Increasedcompetition-解析：ThepassagehighlightsfintechasamajorcompetitorinZhengzhou.2.C.60%-解析：Thereportexplicitlystates"over60%ofyoungconsumerspreferdigitalbanking."3.B.Regulatoryhurdles-解析：Thelastsentencementions"regulatorychallenges"asakeyobstacle.4.B.investinginadvancedtechnologies-解析：Thepassagenotesbanks"integrateadvancedtechnologiessuchasblockchain."三、完形填空1.integrate-解析：Blockchainisatechnologytobeintegratedforsecurity.2.optimize-解析：AIsystemsaimtooptimizeefficiency.3.leverage-解析：Dataisleveragedforpersonalizedservices.4.transform-解析：Digitaltransformationchangesinteractionmethods.5.mitigate-解析：Riskmanagementmitigateslosses.四、語法填空1.donotadopt-解析：Thenegativeconditionalrequires"donotadopt."2.willdiscuss-解析：Futureplansareexpressedwith"will."3.expect-解析：Thesimplepresent"expect"fitsthegeneralstatement.4.implemented-解析：Pastactionsusethepastparticiple.5.shouldoffer-解析：Thesubjunctive"shouldoffer"suggestsarecommendation.五、翻譯填空1.ManybanksinZhengzhouareexploringthedevelopmentmodelofgreenfinance.2.Toimprovecustomersatisfaction,banksshouldstrengthentheonlineserviceexperience.3.Theapplicationofartifi