工商銀行保定市雄縣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）1.Passage:Therapiddevelopmentofartificialintelligence(AI)hasbroughtbothopportunitiesandchallengestothebankingindustry.Banksthatfailtoadapttothesechangesmayfindthemselveslaggingbehindcompetitors.Tostaycompetitive,banksneedtointegrateAIintotheiroperations,improveefficiency,andenhancecustomerservice.AIcanautomateroutinetasks,allowinghumanemployeestofocusonmorecomplexissues.However,theimplementationofAIalsoraisesconcernsaboutdatasecurityandjobdisplacement.BanksmuststrikeabalancebetweenleveragingAI'sbenefitsandmitigatingitsrisks.Question:Whatisthemainideaofthepassage?A)AIwillreplaceallhumanjobsinbanking.B)BanksneedtoadoptAItoremaincompetitive.C)DatasecurityisthebiggestchallengeforAIinbanking.D)AIisonlyusefulforautomatingsimpletasks.2.Passage:Inrecentyears,theeconomicenvironmentinHebeiProvincehasshownsignsofrecovery.Thegovernmenthasimplementedseveralpoliciestoboostlocalbusinesses,particularlyinthemanufacturingandtourismsectors.However,inflationandrisinglaborcostsremainsignificantconcerns.Companiesarestrugglingtomaintainprofitabilitywhileadaptingtostricterenvironmentalregulations.ThebankingsectorinHebeihasplayedacrucialroleinsupportingtheseeffortsbyprovidingfinancialservicesandloans.Question:WhatisthebiggestchallengeforbusinessesinHebeiProvince?A)Lackofgovernmentsupport.B)Inflationandrisinglaborcosts.C)Weakconsumerdemand.D)Poorinfrastructure.3.Passage:TheInternationalMonetaryFund(IMF)hasreleasedareportonglobaleconomictrends,highlightingtheneedforsustainablegrowth.Thereportemphasizestheimportanceofreducingrelianceonfossilfuelsandinvestinginrenewableenergy.China,asamajoreconomy,isexpectedtoplayaleadingroleinthistransition.ThereportalsonotesthatrapidurbanizationincitieslikeBaodingcouldexacerbateenvironmentalissuesifproperplanningisnotinplace.Question:WhatdoestheIMFreportsuggestforglobaleconomicgrowth?A)Increaseduseoffossilfuels.B)Reducedinvestmentinrenewableenergy.C)Sustainabledevelopment.D)Higherurbanizationrates.4.Passage:Theconstructionofthenewhigh-speedraillineconnectingBeijingandShijiazhuanghasbeenasignificantprojectforChina'stransportationnetwork.Thisdevelopmentisexpectedtoreducetraveltimebetweenthetwocitiesandstimulateeconomicgrowthinsurroundingareas.Localbusinesses,particularlyinthehospitalityandretailsectors,havealreadybegunpreparingfortheincreaseddemand.Theprojectalsohighlightsthegovernment'scommitmenttomodernizingChina'sinfrastructure.Question:Whatisthemainbenefitofthenewhigh-speedrailline?A)Itwillincreasethecostoftransportation.B)ItwillreducetraveltimebetweenBeijingandShijiazhuang.C)Itwilldisplacelocalresidents.D)Itwilldelayeconomicgrowth.5.Passage:TheChinesegovernmenthasintroducednewregulationstostrengthenfinancialsupervision,aimingtopreventrisksinthebankingsector.Thesemeasuresincludestrictercapitalrequirementsandenhancedriskmanagementpractices.Thegoalistoensurethestabilityofthefinancialsystemandprotectdepositors'interests.Whilesomebankshaveexpressedconcernsabouttheincreasedcompliancecosts,themajorityviewtheseregulationsasnecessaryforlong-termgrowth.Question:Whatisthepurposeofthenewfinancialregulations?A)Toincreasebanks'profits.B)Toreducecompetitioninthebankingsector.C)Toensurefinancialstability.D)Toencouragebankstotakemorerisks.6.Passage:Theriseofdigitalbankinghastransformedthewaypeoplemanagetheirfinances.Onlinebankingplatformsandmobileappshavemadeiteasierforcustomerstoaccessservicesanytime,anywhere.However,thisshifthasalsoraisedconcernsaboutcybersecurity.Banksmustinvestinadvancedsecuritymeasurestoprotectsensitivecustomerdatafromfraudandhacking.Thesuccessofdigitalbankingdependsonbalancingconveniencewithsecurity.Question:Whatisthebiggestchallengefordigitalbanking?A)Lowcustomeradoption.B)Cybersecurityrisks.C)Highoperationalcosts.D)Limitedfunctionality.7.Passage:ThebankingsectorinChinahasbeenactivelypromotinggreenfinancetosupportenvironmentalprotection.Greenbondsandloansarebeingusedtofundprojectsinrenewableenergy,energyefficiency,andpollutioncontrol.ThisinitiativealignswithChina'scommitmenttosustainabledevelopmentgoals.ThesuccessofgreenfinanceinChinacouldserveasamodelforothercountrieslookingtobalanceeconomicgrowthwithenvironmentalresponsibility.Question:Whatisthepurposeofgreenfinance?A)Tomaximizeprofitsforbanks.B)Tosupportenvironmentallyfriendlyprojects.C)Toreducegovernmentspending.D)Toencouragetraditionalbankingpractices.8.Passage:Theuseofbigdatainbankinghasrevolutionizedriskmanagement.Byanalyzinglargedatasets,bankscanidentifypotentialrisksmoreaccuratelyandmakeinformeddecisions.Thistechnologyhasalsoimprovedpersonalizedbankingservices,allowinginstitutionstotailorofferingstoindividualcustomerneeds.However,theethicaluseofcustomerdataremainsacriticalissuethatneedscarefulconsideration.Question:Whatisthemainadvantageofusingbigdatainbanking?A)Itincreasesoperationalcosts.B)Itreducescustomertrust.C)Itimprovesriskmanagement.D)Itlimitsthescopeofbankingservices.9.Passage:TheChinesegovernmenthasannouncedplanstoexpandthehigh-techzoneinBaoding,focusingonindustriessuchasartificialintelligence,biotechnology,andnewenergy.Thismoveisexpectedtoattractmoreinvestmentandcreatehigh-qualityjobs.Thezonewillalsoprovidesupportforstartupsandsmallbusinesses,fosteringinnovation.ThesuccessofthisinitiativecouldsignificantlyboostBaoding'seconomiccompetitiveness.Question:Whatisthegoalofexpandingthehigh-techzone?A)Toincreasegovernmentrevenue.B)Toattractinvestmentandcreatejobs.C)Toreduceurbanpollution.D)Tolimitindustrialgrowth.10.Passage:ThebankingindustryinChinaisfacingincreasingcompetitionfromfintechcompanies.Thesestartupsofferinnovativefinancialservices,oftenatlowercoststhantraditionalbanks.Toremaincompetitive,establishedbanksareexploringpartnershipswithfintechsanddevelopingtheirowndigitalplatforms.Thefutureofbankingwilllikelyinvolveablendoftraditionalanddigitalapproaches.Question:Whatisthemainchallengefortraditionalbanks?A)Lowcustomerdemand.B)Competitionfromfintechcompanies.C)Highregulatorycompliance.D)Limitedtechnologicalexpertise.二、多選題（每題2分，共10題）11.Passage:Therapidgrowthofe-commercehashadasignificantimpactontheretailsector.Onlineshoppinghasbecomeincreasinglypopular,forcingtraditionalretailerstoadapt.Manyhaveturnedtoomni-channelstrategies,integratingonlineandofflineoperations.Thisapproachhashelpedsomeretailersthrive,whileothersstruggletokeepup.Thefutureofretailwilllikelydependonhowwellbusinessescanbalancedigitalandphysicalexperiences.Question:Whatarethemainchallengesfortraditionalretailers?A)Lowcustomerdemandforonlineshopping.B)Difficultyadaptingtodigitaltrends.C)Highoperatingcosts.D)Lackofgovernmentsupport.12.Passage:TheChinesegovernmenthasintroducedpoliciestosupportsmallandmedium-sizedenterprises(SMEs),recognizingtheirimportanceforeconomicgrowth.Thesepoliciesincludetaxincentives,low-interestloans,andaccesstogovernmentprocurementcontracts.WhilethesemeasureshavehelpedsomeSMEs,challengessuchaslimitedaccesstocapitalandregulatoryhurdlesremain.ThebankingsectorplaysacrucialroleinsupportingSMEsbyprovidingfinancialservicestailoredtotheirneeds.Question:WhatarethemainbenefitsofgovernmentpoliciesforSMEs?A)Taxincentives.B)Low-interestloans.C)Accesstogovernmentcontracts.D)Increasedcompetitioninthebankingsector.13.Passage:ThedevelopmentofsmartcitiesisapriorityfortheChinesegovernment.Thesecitiesusetechnologytoimproveinfrastructure,transportation,andpublicservices.Smartbanking,apartofthisinitiative,involvestheuseofdigitaltoolstoenhancecustomerexperiences.Forexample,smartATMsandmobilebankingappsprovideconvenientandsecureaccesstofinancialservices.However,thesuccessofsmartcitiesdependsonaddressingissuessuchasdataprivacyandcybersecurity.Question:Whatarethekeycomponentsofsmartcities?A)Improvedinfrastructure.B)Advancedtransportationsystems.C)Enhancedpublicservices.D)Increasedrelianceoncashtransactions.14.Passage:ThebankingsectorinChinahasbeenworkingtoimprovefinancialinclusion,ensuringthatmorepeoplehaveaccesstobasicfinancialservices.Thisincludesexpandingbranchnetworksinruralareasandpromotingdigitalbankingsolutions.Thegoalistoreducepovertyandpromoteeconomicdevelopment.Whileprogresshasbeenmade,challengessuchaslowliteracyratesandlimitedinternetaccessremain.Question:Whatarethemaingoalsoffinancialinclusion?A)Toincreasebankprofits.B)Toprovideaccesstofinancialservicesforunderservedpopulations.C)Toreducegovernmentspending.D)Toencouragecashtransactions.15.Passage:Theuseofblockchaintechnologyinbankinghasthepotentialtorevolutionizetransactionsandimprovetransparency.Blockchaincanreducefraud,lowercosts,andspeedupprocesses.However,itsadoptionhasbeenslowduetotechnicalchallengesandregulatoryuncertainties.Banksthatpioneerblockchainsolutionsmaygainacompetitiveedgeinthefuture.Question:Whatarethemainbenefitsofblockchaintechnologyinbanking?A)Reducedfraud.B)Lowertransactioncosts.C)Fasterprocesses.D)Increasedrelianceontraditionalbankingsystems.16.Passage:TheChinesegovernmenthasbeenpromotingtheuseofthedigitalyuan(e-CNY),itscentralbankdigitalcurrency.Thedigitalyuanaimstoenhancetheefficiencyofpaymentsandreducerelianceoncash.Italsoprovidesthegovernmentwithgreatercontroloverthefinancialsystem.Whilethedigitalyuanisstillinitsearlystages,itcouldhavesignificantimplicationsforglobalfinance.Question:Whatarethemaingoalsofthedigitalyuan?A)Toimprovepaymentefficiency.B)Toreducecashusage.C)Toincreasegovernmentcontroloverthefinancialsystem.D)Topromotetheuseofforeigncurrencies.17.Passage:ThebankingsectorinChinaisfacingchallengesduetodemographicchanges,suchasanagingpopulation.Feweryoungpeopleenteringtheworkforcemeansbanksmaystruggletofindqualifiedemployees.Toaddressthis,banksareinvestingintrainingprogramsandpromotingwork-lifebalance.Thesuccessoftheseeffortswilldependonattractingandretainingtalentinacompetitivejobmarket.Question:Whatarethemainchallengesforthebankingsectorduetodemographicchanges?A)Shortageofskilledworkers.B)Increasedlaborcosts.C)Lowercustomerdemand.D)Reducedgovernmentsupport.18.Passage:TheriseofmobilepaymentsinChinahastransformedthewaypeoplemaketransactions.AlipayandWeChatPaydominatethemarket,offeringconvenienceandsecurity.ThisshifthasreducedtheuseofcashandATMs.Whilemobilepaymentshavebenefits,challengessuchascybersecurityandinteroperabilityremain.Thebankingsectormustadapttothesechangestoremainrelevant.Question:Whatarethemainbenefitsofmobilepayments?A)Convenience.B)Security.C)Reducedcashusage.D)Increasedrelianceontraditionalbankingmethods.19.Passage:TheChinesegovernmenthasbeenworkingtoimprovetheregulatoryenvironmentforbanks,aimingtoenhancefinancialstability.Thesemeasuresincludestrictercapitalrequirements,stresstests,andenhancedsupervision.Thegoalistopreventsystemicrisksandprotecttheinterestsofdepositors.Whilesomebankshaveexpressedconcernsabouttheincreasedcompliancecosts,themajorityviewtheseregulationsasnecessaryforlong-termgrowth.Question:Whatarethemaingoalsofregulatorymeasuresforbanks?A)Topreventfinancialrisks.B)Toprotectdepositors.C)Toincreasebankprofits.D)Toreducecompetitioninthebankingsector.20.Passage:ThebankingsectorinChinaisincreasinglyfocusingoncustomerexperience,recognizingitsimportanceforretainingclients.Thisincludespersonalizedservices,24/7support,andintuitivedigitalplatforms.Banksthatprioritizecustomerexperiencearemorelikelytosucceedinacompetitivemarket.However,deliveringhigh-qualityservicerequiressignificantinvestmentintechnologyandtraining.Question:Whatarethemainfactorsinfluencingcustomerexperienceinbanking?A)Personalizedservices.B)24/7support.C)User-friendlydigitalplatforms.D)Increasedrelianceoncashtransactions.三、排序題（每題3分，共10題）21.Passage:ThedevelopmentofthebankingsectorinHebeiProvincehasfollowedseveralkeystages.First,theestablishmentofbasicbankinginfrastructure.Second,theintroductionofmodernbankingpractices.Third,theadoptionofdigitaltechnologies.Fourth,thefocusonfinancialinclusion.Fifth,thecurrentemphasisonsustainableandgreenfinance.Question:ArrangethestagesofbankingdevelopmentinHebeiProvinceinchronologicalorder.A)IntroductionofmodernbankingpracticesB)EstablishmentofbasicbankinginfrastructureC)FocusonsustainableandgreenfinanceD)AdoptionofdigitaltechnologiesE)Financialinclusion22.Passage:TheChinesegovernmenthasimplementedseveralpoliciestosupportthegrowthofsmallandmedium-sizedenterprises(SMEs).First,theintroductionoftaxincentives.Second,theprovisionoflow-interestloans.Third,accesstogovernmentprocurementcontracts.Fourth,theestablishmentofsupportprogramsforinnovation.Fifth,thepromotionoffinancialinclusionforSMEs.Question:Arrangethepoliciesintheordertheywereimplemented.A)AccesstogovernmentprocurementcontractsB)IntroductionoftaxincentivesC)PromotionoffinancialinclusionforSMEsD)EstablishmentofsupportprogramsforinnovationE)Provisionoflow-interestloans23.Passage:Theriseofdigitalbankinghastransformedthewaypeoplemanagetheirfinances.First,theintroductionofonlinebankingplatforms.Second,theadoptionofmobileapps.Third,theintegrationofbiometricauthentication.Fourth,theenhancementofcybersecuritymeasures.Fifth,thefocusonpersonalizedcustomerexperiences.Question:Arrangethestagesinthedevelopmentofdigitalbanking.A)IntegrationofbiometricauthenticationB)IntroductionofonlinebankingplatformsC)FocusonpersonalizedcustomerexperiencesD)EnhancementofcybersecuritymeasuresE)Adoptionofmobileapps24.Passage:ThebankingsectorinChinahasbeenadaptingtothechangingeconomiclandscape.First,theintroductionofstrictfinancialregulations.Second,thepromotionofgreenfinance.Third,theadoptionofbigdataanalytics.Fourth,thefocusoncustomerexperience.Fifth,theintegrationofartificialintelligence.Question:Arrangethestagesintheadaptationofthebankingsector.A)IntegrationofartificialintelligenceB)AdoptionofbigdataanalyticsC)FocusoncustomerexperienceD)PromotionofgreenfinanceE)Introductionofstrictfinancialregulations25.Passage:ThedevelopmentofsmartcitiesinChinahasbeenapriorityforthegovernment.First,theimprovementofinfrastructure.Second,theimplementationofsmarttransportationsystems.Third,theadoptionofdigitalpublicservices.Fourth,thefocusonenergyefficiency.Fifth,theintegrationofsmartbankingsolutions.Question:Arrangethestagesinthedevelopmentofsmartcities.A)ImplementationofsmarttransportationsystemsB)AdoptionofdigitalpublicservicesC)FocusonenergyefficiencyD)ImprovementofinfrastructureE)Integrationofsmartbankingsolutions26.Passage:ThebankingsectorinHebeiProvincehasbeenworkingtoimprovefinancialinclusion.First,theexpansionofbranchnetworksinruralareas.Second,thepromotionofdigitalbankingsolutions.Third,theprovisionoffinancialeducation.Fourth,theestablishmentofmicrofinanceprograms.Fifth,thefocusoninclusiveinsuranceproducts.Question:Arrangethestagesintheimprovementoffinancialinclusion.A)EstablishmentofmicrofinanceprogramsB)ExpansionofbranchnetworksinruralareasC)FocusoninclusiveinsuranceproductsD)PromotionofdigitalbankingsolutionsE)Provisionoffinancialeducation27.Passage:TheChinesegovernmenthasbeenpromotingtheuseofthedigitalyuan(e-CNY).First,thepilotprogramsinselectedcities.Second,theimprovementofpaymentinfrastructure.Third,theintegrationwithexistingbankingsystems.Fourth,theexpansionofusecases.Fifth,thefocusonregulatorycompliance.Question:Arrangethestagesinthedevelopmentofthedigitalyuan.A)IntegrationwithexistingbankingsystemsB)PilotprogramsinselectedcitiesC)FocusonregulatorycomplianceD)ExpansionofusecasesE)Improvementofpaymentinfrastructure28.Passage:ThebankingsectorinChinahasbeenadaptingtotheriseoffintechcompanies.First,therecognitionofthethreatposedbyfintechs.Second,theexplorationofpartnershipswithfintechs.Third,thedevelopmentofdigitalbankingplatforms.Fourth,thefocusoncustomerexperience.Fifth,theadoptionofinnovativetechnologies.Question:Arrangethestagesintheadaptationtofintechcompanies.A)DevelopmentofdigitalbankingplatformsB)ExplorationofpartnershipswithfintechsC)AdoptionofinnovativetechnologiesD)FocusoncustomerexperienceE)Recognitionofthethreatposedbyfintechs29.Passage:Thedevelopmentofthehigh-speedrailnetworkinChinahastransformedtransportation.First,theplanningandconstructionofthefirstmajorline.Second,theexpansiontoconnectmorecities.Third,theimprovementofservicequality.Fourth,theadoptionofadvancedtechnologies.Fifth,thefocusonsustainability.Question:Arrangethestagesinthedevelopmentofthehigh-speedrailnetwork.A)AdoptionofadvancedtechnologiesB)ImprovementofservicequalityC)PlanningandconstructionofthefirstmajorlineD)ExpansiontoconnectmorecitiesE)Focusonsustainability30.Passage:ThebankingsectorinHebeiProvincehasbeenworkingtostrengthenfinancialsupervision.First,theintroductionofstrictercapitalrequirements.Second,theimplementationofstresstests.Third,theenhancementofriskmanagementpractices.Fourth,