工商銀行常州市金壇區(qū)2025秋招筆試英語閱讀理解題專練30題及答案一、單選題（每題2分，共20題）1.Passage1:TheRoleofTechnologyinModernBankingPassage:Therapidadvancementoftechnologyhassignificantlytransformedthebankingsectorinrecentyears.Fromonlinebankingtomobilepayments,customersnowhavemoreconvenientaccesstofinancialservicesthaneverbefore.However,thisdigitalrevolutionalsobringschallenges,suchascybersecuritythreatsandtheneedforcontinuousinnovation.Banksthatfailtoadapttothesechangesrisklosingmarketsharetomoretech-savvycompetitors.InthecontextofChangzhou,acitywithagrowingeconomy,theintegrationoftechnologyinbankingisparticularlycrucial.Localbanks,includingIndustrialandCommercialBankofChina(ICBC),areinvestingheavilyindigitalinfrastructuretomeetthedemandsoftech-savvycustomers.Thistrendisexpectedtocontinue,reshapingthebankinglandscapeintheregion.Question:Accordingtothepassage,whatisoneofthemainchallengesfacedbybanksinadaptingtotechnologicaladvancements?A)ReducedcustomerengagementB)CybersecuritythreatsC)IncreasedoperationalcostsD)Decreasedcompetition2.Passage2:EconomicDevelopmentinChangzhouPassage:Changzhou,locatedinJiangsuProvince,hasemergedasakeyeconomichubinEasternChina.Thecity’sstrategiclocationnearShanghaiandNanjinghasmadeitanattractivedestinationforbothdomesticandinternationalbusinesses.Inrecentyears,thelocalgovernmenthasimplementedvariouspoliciestoboosteconomicgrowth,includingtaxincentivesforhigh-techindustriesandinfrastructuredevelopment.Asaresult,Changzhouhasseenasignificantincreaseinforeigndirectinvestment(FDI).IndustrialandCommercialBankofChinahasalsoexpandeditspresenceinthecity,providingfinancialsupporttolocalenterprises.Thisgrowthtrajectoryisexpectedtosustain,makingChangzhouamorecompetitiveplayerintheregionaleconomy.Question:WhathasbeenamajorfactorinChangzhou’seconomicgrowth?A)DecliningpopulationB)ProximitytomajorcitiesC)LimitedindustrialdiversificationD)Reducedgovernmentsupport3.Passage3:EnvironmentalSustainabilityinBankingPassage:Environmentalsustainabilityhasbecomeacriticalfocusforthebankingindustryglobally.Banksareincreasinglyexpectedtointegrategreenpracticesintotheiroperationsandlendingpolicies.InChina,thegovernmenthassetambitioustargetstoachievecarbonneutralityby2060.Thishaspromptedbanks,includingIndustrialandCommercialBankofChina,todevelopgreenfinancinginitiatives.Forinstance,ICBChasintroducedlow-interestloansforrenewableenergyprojects.Sucheffortsnotonlyalignwithnationalpoliciesbutalsoappealtoenvironmentallyconsciouscustomers.InChangzhou,whereindustrialdevelopmenthasbeenrapid,thesegreeninitiativesareparticularlyimportant.Theyhelpbalanceeconomicgrowthwithenvironmentalprotection.Question:Whyarebanksshiftingtowardgreenfinancing?A)ToreduceoperationalcostsB)TocomplywithgovernmentregulationsC)ToattractenvironmentallyawarecustomersD)Toincreaseprofitsfromgreenprojects4.Passage4:CustomerServiceintheBankingSectorPassage:Excellentcustomerserviceisacornerstoneofthebankingindustry.Intoday’scompetitivemarket,banksthatfailtoprovideapositivecustomerexperiencerisklosingclients.IndustrialandCommercialBankofChinahasimplementedseveralmeasurestoenhanceitscustomerservice,suchas24/7onlinesupportandpersonalizedbankingsolutions.InChangzhou,wherethepopulationisaging,theseservicesareespeciallyvaluable.Oldercustomersoftenrequiremoreassistancewithfinancialproductsanddigitalbankingtools.Byaddressingtheseneeds,ICBCaimstobuildlong-termcustomerloyalty.ThisfocusonservicequalityisexpectedtodifferentiateICBCfromitscompetitorsintheregion.Question:Whatdoesthepassagesuggestabouttheimportanceofcustomerserviceinbanking?A)ItisonlyimportantforlargebanksB)ItcanleadtoincreasedcompetitionC)ItisessentialforcustomerretentionD)Itisprimarilyacost-drivenstrategy5.Passage5:TheImpactofRemoteWorkontheFinancialIndustryPassage:TheCOVID-19pandemichasacceleratedtheadoptionofremoteworkinthefinancialindustry.Manybanks,includingIndustrialandCommercialBankofChina,haveshiftedtohybridworkmodels,allowingemployeestoworkfromhomepartofthetime.Thishasbroughtbothbenefitsandchallenges.Ontheonehand,remoteworkhasincreasedflexibilityandreducedcommutingtimeforemployees.Ontheotherhand,ithashighlightedtheneedforrobustcybersecuritymeasurestoprotectsensitivefinancialdata.InChangzhou,wherethebankingsectorisrapidlyexpanding,theseremoteworkarrangementsarebecomingmorecommon.Banksareinvestinginvirtualcollaborationtoolstoensureproductivityremainshigh.Question:Whatisoneofthemainchallengesofremoteworkinthefinancialindustry?A)ReducedemployeesatisfactionB)CybersecuritythreatsC)DecreasedproductivityD)Increasedoperationalcosts6.Passage6:TheFutureofDigitalPaymentsPassage:Digitalpaymentsarerevolutionizingthewaypeopletransactfinancially.InChina,mobilepaymentplatformslikeAlipayandWeChatPayhavebecomeubiquitous.Banks,includingIndustrialandCommercialBankofChina,areintegratingtheseplatformsintotheirservicestoenhanceconvenienceforcustomers.InChangzhou,wheree-commerceisthriving,digitalpaymentsareparticularlyimportant.Theyfacilitateonlinetransactionsandimprovetheoverallshoppingexperience.Astechnologycontinuestoevolve,thefutureofpaymentswilllikelybeevenmoreseamlessandsecure.Banksthatadapttothesetrendswillremaincompetitiveinthemarket.Question:Howaredigitalpaymentschangingthebankingindustry?A)TheyarereducingtheneedforphysicalbranchesB)TheyareincreasingtransactionfeesC)TheyaremakingpaymentslesssecureD)Theyarelimitingcustomeraccesstofinancialservices7.Passage7:TheRoleofBanksinEconomicStabilityPassage:Banksplayacrucialroleinmaintainingeconomicstability.Theyprovideliquiditytothemarket,facilitateinvestment,andmanagerisks.Intimesofeconomicdownturn,banksmustbeparticularlyvigilanttopreventfinancialcrises.IndustrialandCommercialBankofChina,withitsextensivenetwork,hasbeenakeyplayerinsupportingeconomicstabilityinChina.InChangzhou,wheretheeconomyiscloselytiedtoindustrialgrowth,thebank’sroleisevenmoresignificant.Byensuringthatbusinesseshaveaccesstocredit,ICBChelpssustaineconomicactivity.Thisstabilityisessentialforlong-termgrowthanddevelopment.Question:Whatisoneoftheprimaryfunctionsofbanksinmaintainingeconomicstability?A)TheycontrolinflationB)TheyprovideliquidityC)TheyregulateinterestratesD)Theymanagegovernmentbudgets8.Passage8:TheImportanceofFinancialLiteracyPassage:Financialliteracyisessentialforindividualstomakeinformeddecisionsabouttheirmoney.InChina,thegovernmenthaslaunchedseveralinitiativestoimprovefinancialliteracyamongthepublic.Banks,includingIndustrialandCommercialBankofChina,havealsotakenstepstoeducatetheircustomers.Forexample,ICBCoffersworkshopsandonlineresourcestohelppeopleunderstandfinancialproductsandservices.InChangzhou,wherethepopulationisdiverse,theseeffortsareparticularlyimportant.Bypromotingfinancialliteracy,ICBChelpscustomersmanagetheirfinancesmoreeffectively,reducingtheriskofdebtandfinancialstress.Question:Whyisfinancialliteracyimportantforindividuals?A)ItincreasesthedemandforbankingservicesB)IthelpsthemmakeinformedfinancialdecisionsC)ItreducestheneedforfinancialadvisorsD)Itlowersthecostofborrowing9.Passage9:TheEvolutionofBankinginChinaPassage:BankinginChinahasundergonesignificantchangesoverthepastfewdecades.Fromtraditionalbrick-and-mortarinstitutionstodigital-firstbanks,theindustryhasevolvedrapidly.IndustrialandCommercialBankofChina,oneofthelargestbanksinthecountry,hasbeenattheforefrontofthistransformation.InChangzhou,wherethebankingsectorismodernizing,ICBChasplayedakeyrole.Thebankhasintroducedinnovativeservices,suchasmobilebankingappsandonlinefinancialmanagementtools,tomeetthechangingneedsofcustomers.Thisevolutionhasmadebankingmoreaccessibleandconvenientforeveryone.Question:WhathasbeenamajortrendintheevolutionofbankinginChina?A)IncreasedrelianceontraditionalbankingmethodsB)TheriseofdigitalbankingservicesC)AdeclineinthenumberofbankbranchesD)Reducedcustomerengagement10.Passage10:TheImpactofGlobalizationonBankingPassage:Globalizationhashadaprofoundimpactonthebankingindustry.Banksnowoperateacrossborders,offeringservicestointernationalcustomers.IndustrialandCommercialBankofChina,withitsglobalpresence,hasbenefitedfromthistrend.InChangzhou,wheretradewithothercountriesisgrowing,ICBChasexpandeditsinternationalbankingservices.Thisincludesforeignexchangetransactions,cross-borderpayments,andinternationalloans.Byembracingglobalization,ICBCisbetterpositionedtoservetheneedsofitsdiversecustomerbase.Question:Howhasglobalizationaffectedthebankingindustry?A)IthasreducedcompetitionB)Ithasledtoincreasedcross-borderbankingservicesC)IthasdecreasedthedemandforbankingservicesD)Ithaslimitedtheroleoflocalbanks二、判斷題（每題2分，共10題）11.Passage11:TheImportanceofRiskManagementinBankingPassage:Riskmanagementisacriticalcomponentofbankingoperations.Banksmustidentify,assess,andmitigatevariousrisks,suchascreditrisk,marketrisk,andoperationalrisk.IndustrialandCommercialBankofChinahasimplementedrobustriskmanagementframeworkstoensurethesafetyandsoundnessofitsoperations.InChangzhou,wheretheeconomyisdynamic,theseriskmanagementpracticesareparticularlyimportant.Byminimizingrisks,ICBCcanprotectitsassetsandmaintaincustomertrust.Thisfocusonriskmanagementisessentialforlong-termsustainability.Question:Isriskmanagementimportantforbanks?A)Yes,itiscrucialforbankingoperationsB)No,itisunnecessaryinastableeconomyC)Onlyforlargebanks,notsmallonesD)Itismoreimportantforgovernmentbanksthanprivatebanks12.Passage12:TheRoleofBanksinSupportingSmallandMediumEnterprises(SMEs)Passage:Smallandmediumenterprises(SMEs)arevitaltotheeconomy,buttheyoftenfacechallengesinaccessingfinancialservices.Banks,includingIndustrialandCommercialBankofChina,playacrucialroleinsupportingSMEs.ICBCoffersspecializedloansandfinancialproductstailoredtotheneedsofSMEs.InChangzhou,whereSMEsaregrowingrapidly,theseservicesareparticularlyvaluable.Byprovidingaccesstocapital,ICBChelpsSMEsexpandandcreatejobs.Thissupportisessentialforfosteringeconomicgrowthintheregion.Question:DobankssupportSMEs?A)OnlylargebanksdoB)No,banksfocusonlyonlargeenterprisesC)Yes,banksprovidespecializedservicesforSMEsD)Onlyindevelopedeconomies,notinChina13.Passage13:TheImpactofInterestRateChangesontheEconomyPassage:Interestratechangescanhaveasignificantimpactontheeconomy.Whenthecentralbankraisesinterestrates,borrowingcostsincrease,whichcanslowdowneconomicactivity.Conversely,wheninterestratesarelowered,borrowingbecomescheaper,stimulatingeconomicgrowth.IndustrialandCommercialBankofChinamonitorsinterestratetrendscloselytoadjustitslendingpoliciesaccordingly.InChangzhou,wheretheeconomyiscloselytiedtoindustrialactivity,theseinterestratechangescanaffectbusinessinvestmentandconsumerspending.Banksmustbeproactiveinmanagingtheseimpacts.Question:Dointerestratechangesaffecttheeconomy?A)No,theyhaveminimalimpactB)Yes,theycaninfluenceeconomicactivityC)Onlyindevelopedcountries,notinChinaD)Onlywhenthecentralbankisnotinvolved14.Passage14:TheImportanceofBankBranchesinRuralAreasPassage:Whiledigitalbankinghasbecomeincreasinglypopular,bankbranchesremainimportant,especiallyinruralareas.InChina,manyruralresidentsstillprefertoconducttheirbankingtransactionsinperson.IndustrialandCommercialBankofChinahasmaintainedastrongpresenceinruralareasofChangzhou,ensuringthatresidentshaveaccesstoessentialbankingservices.Thesebranchesprovidefinancialliteracyprograms,basicbankingservices,andsupportforlocalbusinesses.Thiscommitmenttoruralbankinghelpsbridgetheurban-ruraldivideandsupportsinclusiveeconomicgrowth.Question:Arebankbranchesstillimportantinruralareas?A)No,digitalbankinghasmadethemobsoleteB)Yes,theyprovideessentialservicestoruralresidentsC)Onlyindevelopingcountries,notinChinaD)Onlyforlargebanks,notsmallones15.Passage15:TheRoleofBanksinPromotingFinancialInclusionPassage:Financialinclusionisakeygoalforthebankingindustry.Itaimstoensurethatallindividualsandbusinesseshaveaccesstofinancialservices.IndustrialandCommercialBankofChinahastakenseveralstepstopromotefinancialinclusioninChangzhou.Thisincludesofferingmicrofinanceproducts,simplifyingloanapplications,andprovidingfinancialeducation.Bymakingbankingservicesmoreaccessible,ICBChelpsunderservedpopulationsimprovetheirfinancialwell-being.Thisfocusoninclusionisessentialforreducingpovertyandfosteringeconomicdevelopment.Question:Dobankspromotefinancialinclusion?A)No,theyprioritizewealthiercustomersB)Yes,theyaimtomakefinancialservicesaccessibletoallC)Onlyindevelopedcountries,notinChinaD)Onlyforlargeenterprises,notindividuals16.Passage16:TheImpactofArtificialIntelligenceonBankingPassage:Artificialintelligence(AI)istransformingthebankingindustrybyimprovingefficiencyandcustomerservice.Banks,includingIndustrialandCommercialBankofChina,areusingAIfortaskssuchasfrauddetection,riskassessment,andpersonalizedrecommendations.InChangzhou,wherethebankingsectorismodernizing,AIisbecomingincreasinglyprevalent.ICBChasimplementedAI-poweredchatbotstoprovide24/7customersupport.Thistechnologynotonlyenhancesthecustomerexperiencebutalsoreducesoperationalcosts.ThefutureofbankingwilllikelybeheavilyinfluencedbyAI.Question:IsAIimportantforthebankingindustry?A)No,traditionalmethodsaremoreeffectiveB)Yes,itcanimproveefficiencyandcustomerserviceC)Onlyforlargebanks,notsmallonesD)Onlyindevelopedcountries,notinChina17.Passage17:TheRoleofBanksinSupportingStartupsPassage:Startupsareadrivingforceofinnovation,buttheyoftenstruggletosecurefunding.Banks,includingIndustrialandCommercialBankofChina,playacrucialroleinsupportingstartups.ICBCoffersspecializedloansandmentorshipprogramstohelpnewbusinessesgrow.InChangzhou,wherethestartupecosystemisexpanding,theseservicesareparticularlyvaluable.Byprovidingfinancialsupport,ICBChelpsstartupsthrive,contributingtoeconomicdynamismandjobcreation.Thissupportisessentialforfosteringinnovationandcompetitiveness.Question:Dobankssupportstartups?A)No,theyfocusonlyonestablishedbusinessesB)Yes,theyprovidefundingandmentorshipC)Onlyindevelopedcountries,notinChinaD)Onlyforlargestartups,notsmallones18.Passage18:TheImpactofRegulatoryChangesonBanksPassage:Regulatorychangescansignificantlyaffectthebankingindustry.Governmentsimposeregulationstoensurefinancialstability,protectconsumers,andpromotefaircompetition.IndustrialandCommercialBankofChinamustcomplywiththeseregulations,whichcanimpactitsoperationsandstrategies.InChangzhou,wherethebankingsectorisgrowing,regulatorychangescancreatebothchallengesandopportunities.ICBCcloselymonitorsregulatorydevelopmentstoensureitremainscompliantwhilemaintainingitscompetitiveedge.Thisadaptabilityisessentialforlong-termsuccess.Question:Doregulatorychangesaffectbanks?A)No,theyhaveminimalimpactB)Yes,theycaninfluencebankingoperationsC)Onlyindevelopedcountries,notinChinaD)Onlywhentheregulationsarestrict19.Passage19:TheImportanceofCustomerFeedbackinBankingPassage:Customerfeedbackisinvaluableforbankstoimprovetheirservices.IndustrialandCommercialBankofChinaactivelycollectscustomerfeedbackthroughsurveys,onlinereviews,andsocialmedia.InChangzhou,wherecustomerexpectationsarehigh,thisfeedbackisparticularlyimportant.ICBCusesthisinformationtoidentifyareasforimprovement,suchasservicespeedandproductfeatures.Bylisteningtocustomers,ICBCcanenhancetheoverallbankingexperienceandbuildstrongercustomerrelationships.Thisfocusonfeedbackisessentialformaintainingcompetitiveness.Question:Iscustomerfeedbackimportantforbanks?A)No,banksrelysolelyoninternalassessmentsB)Yes,ithelpsimproveservicequalityC)Onlyforlargebanks,notsmallonesD)Onlyindevelopedcountries,notinChina20.Passage20:TheRoleofBanksinEnvironmentalFinancingPassage:Environmentalfinancingisbecomingincreasinglyimportantastheworldfocusesonsustainability.Banks,includingIndustrialandCommercialBankofChina,areinvestingingreenprojectsandpromotingeco-friendlypractices.InChangzhou,whereindustrialdevelopmenthasbeenrapid,environmentalfinancingisparticularlycrucial.ICBChasintroducedgreenbondsandlow-interestloansforrenewableenergyprojects.Theseinitiativesnotonlysupportenvironmentalgoalsbutalsoprovideattractiveinvestmentopportunities.Bypromotingenvironmental