中國銀行鄭州市鞏義市2025秋招筆試英語完形填空題專練30題及答案一、單選題（每題1分，共10題）背景：預(yù)測中國銀行業(yè)數(shù)字化轉(zhuǎn)型趨勢對中小微企業(yè)融資的影響1.Despitetherapiddevelopmentofdigitalbanking,smallandmedium-sizedenterprises(SMEs)inChinastillfacedifficultiesinaccessingloansdueto______.A.insufficientcollateralB.highinterestratesC.lackoffinancialliteracyD.excessivebureaucracy2.TheChinaBankingandRegulatoryCommission(CBRC)hasintroducedstricterriskassessmentcriteriaforonlinelendingplatformsto______.A.boostcompetitionB.reducedefaultratesC.increaseloanlimitsD.encourageinnovation3.WhichofthefollowingtechnologiesisbeingwidelyadoptedbyChinesebankstoimproveloanapprovalefficiency?A.BlockchainB.QuantumcomputingC.CloudstorageD.Artificialintelligence4.Accordingtoa2024report,thedigitalloanmarketinZhengzhouhasgrownby______overthepastyear.A.15%B.25%C.35%D.45%5.AkeychallengeforSMEsseekingdigitalloansinHenanprovinceis______.A.limitedinternetaccessB.hightransactionfeesC.complexapplicationprocessesD.insufficientgovernmentsupport6.ChinaMerchantsBankhaslaunchedanewapptoassistSMEswithcashflowmanagement,whichemphasizes______.A.offlinetransactionsB.real-timedataanalyticsC.traditionalbankingmethodsD.fixedinterestrates7.Theuseofbigdataincreditscoringhashelpedbanksreduce______forsmallbusinesses.A.loanapprovaltimeB.interestratesC.collateralrequirementsD.regulatorycompliancecosts8.AmajoradvantageofdigitalbankingforSMEsinWuhanis______.A.loweroverheadcostsB.fewerbranchesC.limitedcustomerserviceD.slowertransactionspeeds9.TheChinesegovernment’s"SmallBusinessCreditPolicy"aimsto______.A.increaseinterestratesB.reduceloanavailabilityC.promotefinancialinclusionD.discouragedigitallending10.WhichofthefollowingisacommonconcernforSMEsusingonlinebankingforthefirsttime?A.HighfeesB.SecurityrisksC.LimitedfeaturesD.Excessivepaperwork二、單選題（每題2分，共10題）背景：鄭州市鞏義市鄉(xiāng)村振興與銀行業(yè)務(wù)結(jié)合11.TheIndustrialandCommercialBankofChina(ICBC)haspartneredwithlocalgovernmentsinGongyitosupportruralinfrastructureprojectsthrough______.A.equityinvestmentsB.microfinanceprogramsC.foreignloansD.corporatebonds12.AsignificantbarriertoagriculturaldigitaltransformationinHenanprovinceis______.A.lowinternetpenetrationB.highcropyieldsC.abundantfarmlandD.skilledlaborshortages13.The"E-Rural"initiativebyChinaPostBankfocuseson______.A.urbancommerciallendingB.ruralfinancialexclusionC.industrialmanufacturingloansD.cross-bordertradefinancing14.InGongyi,farmersbenefitfromdigitalbankingservicessuchas______,whichhelpsthemmanagefarmfinancesefficiently.A.mobilepaymentsB.fixed-termdepositsC.wealthmanagementD.insuranceproducts15.AmajorsuccessoftheChinaDevelopmentBank’sruralcreditprograminZhengzhouis______.A.reducedruralpovertyB.increasedurbanmigrationC.declinedagriculturaloutputD.lowerbankprofitability16.Theintegrationofblockchaintechnologyinagriculturalsupplychainsaimsto______.A.reducetransparencyB.increaseinefficiencyC.enhancetraceabilityD.limitdatasharing17.AkeychallengeforruralbanksinHenanis______.A.highprofitmarginsB.lowcustomerturnoverC.regulatorycomplianceD.excessiveloandemand18.TheChinesegovernment’s"GreenFinancePolicy"encouragesbanksto______.A.investinfossilfuelsB.financesustainableprojectsC.reducelendingtoagricultureD.prioritizeurbandevelopment19.AmajorbenefitofdigitalcreditforruralbusinessesinGongyiis______.A.longerrepaymentperiodsB.higherinterestratesC.fasterapprovaltimesD.strictercollateralrequirements20.ThecollaborationbetweenICBCandlocalagriculturalcooperativesinZhengzhoufocuseson______.A.industrialfinancingB.ruralcreditaccessibilityC.foreigntradeD.realestatedevelopment三、單選題（每題3分，共10題）背景：鄭州市鞏義市銀行業(yè)客戶服務(wù)與數(shù)字化轉(zhuǎn)型21.AkeyfactorinimprovingcustomersatisfactionforChinesebanksinGongyiis______.A.longeroperatinghoursB.digitalserviceoptimizationC.higherfeesD.reducedbranchnetworks22.TheimplementationofAI-poweredchatbotsbybanksinZhengzhouhasledto______.A.increasedhumaninteractionB.higherservicecostsC.reducedcustomerengagementD.improvedefficiency23.AmajorcomplaintfromcustomersregardingonlinebankinginHenanis______.A.highinterestratesB.limitedloanoptionsC.complexinterfacedesignD.excessivepaperwork24.TheChinaBankingAssociation’s2024reporthighlightsthatdigitalbankinghas______.A.reducedprofitabilityB.increasedoperationalcostsC.improvedcustomerexperienceD.limitedadoptioninruralareas25.AsuccessfuldigitalbankingstrategyforbanksinGongyiincludes______.A.prioritizingtraditionalservicesB.reducingmobileappusageC.enhancingonlinesecurityD.minimizingcustomersupport26.TheuseofbiometricauthenticationinbankingappsinZhengzhouhelps______.A.increasefraudrisksB.reducetransactionspeedsC.enhancesecurityD.limituserconvenience27.AmajorchallengeforbanksinHenanduringthepandemicwas______.A.increaseddemandforloansB.reducedcustomervisitsC.higherprofitmarginsD.improvedservicequality28.Theintegrationofbigdataanalyticsinbankinghasenabled______.A.reducedaccuracyincreditscoringB.higheroperationalinefficienciesC.personalizedfinancialservicesD.increasedregulatoryscrutiny29.AkeyadvantageofdigitalbankingforSMEsinGongyiis______.A.slowertransactionspeedsB.limitedcustomersupportC.lowerfeesD.higherinterestrates30.ThecollaborationbetweenbanksandfintechcompaniesinZhengzhouaimsto______.A.reducecompetitionB.improveserviceinnovationC.limitdigitaladoptionD.increaseregulatoryburdens答案與解析一、單選題（每題1分，共10題）1.A解析：中小微企業(yè)融資難的主要原因是缺乏抵押物，而非利率或流程問題。2.B解析：監(jiān)管機(jī)構(gòu)加強(qiáng)風(fēng)控是為了降低不良貸款率，保障金融穩(wěn)定。3.D解析：人工智能在信貸審批中可快速分析數(shù)據(jù)，提高效率。4.C解析：2024年鄭州數(shù)字貸款市場增長率達(dá)35%，高于其他選項(xiàng)。5.C解析：河南中小企業(yè)申請數(shù)字貸款時(shí)，流程復(fù)雜是普遍問題。6.B解析：工銀數(shù)字貸款強(qiáng)調(diào)實(shí)時(shí)數(shù)據(jù)分析，優(yōu)化現(xiàn)金流。