民生银行衡阳市蒸湘区2025秋招笔试英文行测高频题含答案

民生银行衡阳市蒸湘区2025秋招笔试英文行测高频题含答案第一部分：选词填空（共5题，每题2分，共10分）题目要求：从每题所给的四个选项中，选择最符合句意的一个单词填入空格。1.Thenewpolicyaimstoimprovefinancialinclusionforsmallbusinessesinruralareas,especiallythosein________economicconditions.A.stableB.volatileC.prosperousD.underdeveloped2.Asabankingprofessional,youneedtodemonstratestrong________skillstohandlecomplexclienttransactionsandcompliancerequirements.A.emotionalB.analyticalC.physicalD.creative3.TheruralcreditprogramintroducedbyChinaMerchantsBankinHunanProvincehassignificantly________theaccesstocapitalforlocalfarmers.A.limitedB.expandedC.reducedD.centralized4.Thebank’sdigitaltransformationstrategyrequiresemployeestoadapttonewtechnologies,suchasblockchainandAI-driven________.A.systemsB.processesC.policiesD.frameworks5.TheloanapprovalprocessforsmallbusinessesinChenzhouhasbeenstreamlinedtoreducethetimefrom________to3workingdays.A.30daysB.15daysC.7daysD.1week第二部分：阅读理解（共5题，每题3分，共15分）题目要求：阅读以下短文，根据文章内容回答问题。Passage：TheChinaBankingandInsuranceRegulatoryCommission(CBIRC)hasrecentlyannouncedstricterguidelinesforruralcreditriskmanagement,focusingonreducingnon-performingloans(NPLs)intheagriculturalsector.Thenewmeasuresincludemandatorystresstestingforlocalbanks,enhancedcollateralrequirementsforloans,andstricteroversightofruralcreditcooperatives.Thesepoliciesaimtoaddressthehighdefaultratesamongsmall-scalefarmersandruralenterprises,whichhavebeenexacerbatedbyfluctuatingcommoditypricesandnaturaldisasters.TheCBIRCalsoencouragesbankstodevelopcustomizedfinancialproductsforruralclients,suchasweather-indexedloansandmicroinsurance.Expertssuggestthatwhilethenewregulationsmayslowdowncreditgrowthintheshortterm,theywillimprovethelong-termsustainabilityofruralbankinginChina.6.WhatistheprimarygoaloftheCBIRC’snewruralcreditguidelines?A.Toincreasecreditavailabilityforruralbusinesses.B.Toreducenon-performingloansintheagriculturalsector.C.Topromotedigitalbankinginruralareas.D.Toencourageruralbankstoexpandtheirbranches.7.WhichofthefollowingisNOTmentionedasameasuretomitigateruralcreditrisk?A.Stresstestingforbanks.B.Weather-indexedloans.C.Lowercollateralrequirements.D.Enhancedregulatoryoversight.8.Accordingtothepassage,whathascontributedtohighdefaultratesamongsmall-scalefarmers?A.Lowinterestrates.B.Fluctuatingcommoditypricesandnaturaldisasters.C.Excessivegovernmentsubsidies.D.Lackoffinancialeducation.9.Whatdoexpertsbelievewillbethelong-termimpactofthenewregulations?A.Adeclineinruralcreditgrowth.B.AnincreaseinruralNPLs.C.Improvedsustainabilityofruralbanking.D.Highercollateralrequirementsforallloans.10.WhichofthefollowingpoliciesisencouragedbytheCBIRCtosupportruralclients?A.Consolidatingruralcreditcooperatives.B.Offeringinterest-freeloanstofarmers.C.Developingmicroinsuranceandweather-indexedloans.D.Mandatingruralbankstoadopttraditionalbankingmodels.第三部分：完形填空（共5题，每题2分，共10分）题目要求：从每题所给的四个选项中，选择最符合文意的一个单词填入空格。ThebankingsectorinCentralChinahasbeenadaptingtorapideconomicchanges,withHunanProvinceleadingthewayindigitalinnovation.Inrecentyears,localbankslikeIndustrialandCommercialBankofChina(ICBC)haveinvestedheavilyinonlineplatformsto________(11)customerserviceefficiency.Theseplatformsnotonlyprovide24/7bankingservicesbutalso________(12)real-timefinancialadvicethroughAIchatbots.Additionally,theuseofbigdataanalyticshasenabledbanksto________(13)creditrisksmoreaccurately,reducinglossesfromdefaults.However,challengesremain,suchasthedigitaldivideinruralareas,wheremanyelderlycustomersstillprefer________(14)traditionalbankingmethods.Toaddressthis,banksaretrainingcommunityworkersto________(15)financialliteracyprogramsinvillages.11.A.enhanceB.reduceC.delayD.minimize12.A.deliverB.limitC.replaceD.ignore13.A.assessB.ignoreC.eliminateD.generate14.A.usingB.rejectingC.relyingonD.avoiding15.A.organizeB.discourageC.expandD.eliminate第四部分：句子改错（共5题，每题3分，共15分）题目要求：找出以下句子中的错误并改正。1.Theruralcreditunionhasbeenprovidinglow-interestloanstofarmersforthelastdecade,whichhelpthemtopurchasefarmingequipment.→Error:________→Correction:________2.Despitefacingeconomicchallenges,thesmallbusinessloanprograminChenzhouhasmanagedtogrowby20%overthepastyear.→Error:________→Correction:________3.Thebank’sdigitalwalletapphasbeendownloadedbyover1millionusersinHunan,whichincludesbothurbanandruralcustomers.→Error:________→Correction:________4.Toimprovecustomersatisfaction,thebranchinZhuzhouhasintroducedanewservicethatallowsclientstocompletetransactionsthroughvoicecommands.→Error:________→Correction:________5.TheregulatoryframeworkforruralbankinginChinarequiresbankstomaintainaminimumcapitaladequacyratioof12%,butsomeregionalbanksinHunanhavefailedtomeetthisrequirement.→Error:________→Correction:________第五部分：翻译填空（共5题，每题4分，共20分）题目要求：将以下中文句子翻译成英文，填入空格。1.为支持乡村振兴战略，民生银行在衡阳地区推出了专项信贷计划，优先服务于农业合作社和小微企业。→________tosupporttheruralrevitalizationstrategy,ChinaMerchantsBankhaslaunchedatargetedcreditprograminHengyang,prioritizingservicesforagriculturalcooperativesandsmallandmedium-sizedenterprises.2.近年来，中国银行业在普惠金融方面取得了显著进展，尤其是在为农村妇女提供创业资金方面。→Inrecentyears,China’sbankingsectorhasmadesignificantprogressininclusivefinance,especiallyinprovidingstartupfundsforruralwomen.3.由于自然灾害频发，湖南省部分地区的农村贷款逾期率较高，银行需采取有效措施降低风险。→Duetofrequentnaturaldisasters,ruralloandelinquencyratesinsomepartsofHunanhavebeenhigh,requiringbankstotakeeffectivemeasurestomitigaterisks.4.银行的在线客服系统通过人工智能技术，能够为用户提供24小时不间断的金融咨询。→Thebank’sonlinecustomerservicesystem,poweredbyartificialintelligence,canprovideuserswith24/7financialconsultations.5.为缓解中小企业融资难题，衡阳市政府与多家银行合作推出了“政银合作”模式，通过政府增信降低企业贷款门槛。→Toalleviatefinancingdifficultiesforsmallandmedium-sizedenterprises,theHengyangMunicipalGovernmenthascollaboratedwithseveralbankstointroducea"government-bankcooperation"model,whichreducesloanthresholdsforbusinessesthroughgovernmentcreditenhancement.答案与解析第一部分：选词填空1.B.volatile解析：题干提到农村地区经济状况，"volatile"（波动的）最符合农业经济的特性。2.B.analytical解析：银行工作需要处理复杂交易和合规要求，"analytical"（分析能力）最合适。3.B.expanded解析：信贷计划的目标是增加资本获取途径，"expanded"（扩大）符合文意。4.B.processes解析：区块链和AI是技术工具，"processes"（流程）指技术驱动的业务流程。5.A.30days解析：原文提到从30天缩短至3天，"30days"是原始时间。第二部分：阅读理解6.B.toreducenon-performingloansintheagriculturalsector解析：文章首段明确指出政策目标是降低农业NPLs。7.C.Lowercollateralrequirements解析：文中提到提高抵押要求，而非降低。8.B.Fluctuatingcommoditypricesandnaturaldisasters解析：文章第二段直接说明这是高违约率的原因。9.C.Improvedsustainabilityofruralbanking解析：专家认为长期影响是提高农村银行业可持续性。10.C.Developingmicroinsuranceandweather-indexedloans解析：文章末段提到CBIRC鼓励这两种产品。第三部分：完形填空11.A.enhance解析：投资在线平台是为了提升效率，"enhance"（提高）最符合。12.A.deliver解析：AI聊天机器人提供建议，"deliver"（提供）合适。13.A.assess解析：大数据用于评估风险，"assess"（评估）正确。14.C.relyingon解析：老年人习惯传统方式，"relyingon"（依赖）符合。15.A.organize解析：银行培训社区工作者组织财务知识普及活动。第四部分：句子改错1.Error:help→Correction:helps解析：主语"loans"是复数，谓语需用"helps"。2.Error:hasmanaged→Correction:havemanaged解析：主语"program"是单数，但"b