中國銀行盤錦市盤山縣2025秋招筆試英語閱讀＋選詞題專練30題及答案第一部分：英語閱讀理解（共15題，每題2分，合計30分）Passage1(5題，每題2分)Title:TheDigitalTransformationofRuralBankinginNortheastChinaThedigitalizationoffinancialserviceshasbeenatransformativeforceinChina,particularlyinruralareas.InNortheastChina,wheretraditionalbankinginfrastructurehashistoricallylaggedbehindurbanregions,theintroductionofmobilebankingappsandonlinefinancialplatformshassignificantlyimprovedaccesstofinancialservicesforfarmersandlocalbusinesses.Accordingtoa2024reportbythePeople’sBankofChina,over80%ofruralhouseholdsinNortheastnowusedigitalbankingtools,asharpincreasefromjust10%adecadeago.However,challengesremain.Internetconnectivityinremotevillagescanstillbeunreliable,andmanyelderlyfarmersareunfamiliarwithdigitalinterfaces.Toaddresstheseissues,localbanks,includingChinaBank,havelaunchedtargetedtrainingprograms.Theseprogramsteachbasicdigitalliteracyandprovideone-on-oneassistanceinusingmobilebanking.Asaresult,theadoptionrateofdigitalfinancialservicesinruralareashascontinuedtorise,fosteringeconomicgrowthandreducingfinancialexclusion.1.Whatisthemainfocusofthepassage?A.Thedeclineoftraditionalbankinginruralareas.B.TheimpactofdigitalizationonruraleconomiesinNortheastChina.C.Thegovernment’sroleinfinancialpolicy.D.ThehistoryofbankinginNortheastChina.2.Accordingtothereport,whatpercentageofruralhouseholdsinNortheastChinanowusedigitalbankingtools?A.10%B.30%C.80%D.50%3.Whatchallengesarementionedinthepassagefortheadoptionofdigitalbankinginruralareas?A.Lackoffinancialliteracy.B.Poorinternetconnectivityandunfamiliaritywithdigitaltools.C.Highfeesfordigitalservices.D.Ashortageofbankinginfrastructure.4.Howhavelocalbanksaddressedthechallengesmentioned?A.Byreducingfeesfordigitalservices.B.Byinvestinginmorephysicalbankbranches.C.Byprovidingtrainingprogramsandone-on-oneassistance.D.Byencouragingruralresidentstousetraditionalbankingmethods.5.Whatistheoveralltoneofthepassage?A.Criticalofdigitalbanking.B.Neutralandobjective.C.Optimisticaboutdigitalization’spotential.D.Skepticalofgovernmentinitiatives.Passage2(5題，每題2分)Title:TheImportanceofAgriculturalInnovationin盤錦(PanshanCounty)Agriculture盤錦市盤山縣，locatedinLiaoningProvince,isrenownedforitsrichblacksoilandagriculturalproductivity.Thecountyhaslongbeenamajorproducerofrice,soybeans,andaquaticproducts.However,likemanyruralregionsinChina,盤錦faceschallengessuchasclimatechange,soildegradation,andmarketvolatility.Toaddresstheseissues,localgovernmentsandagriculturalinstitutionshaveemphasizedinnovationinfarmingtechniques.Onekeyinitiativehasbeenthepromotionofprecisionagriculture,whichusestechnologylikeGPSandIoTsensorstooptimizecropyields.Forexample,smartirrigationsystemshavereducedwaterconsumptionwhileimprovingcropquality.Additionally,researchinstitutionshavedevelopeddrought-resistantricevarieties,whicharebettersuitedtotheregion’schangingclimate.Theseinnovationshavenotonlyincreasedproductivitybutalsomadefarmingmoresustainable.6.Whatistheprimaryagriculturalproductof盤錦市盤山縣?A.GrapesB.Rice,soybeans,andaquaticproductsC.WheatD.Corn7.Whataresomeofthechallengesfacedby盤錦’sagriculture?A.Highlaborcosts.B.Climatechange,soildegradation,andmarketvolatility.C.Limitedaccesstotechnology.D.Alackofgovernmentsupport.8.Howhasprecisionagriculturehelped盤錦’sfarmers?A.Byreducinglaborcosts.B.Byimprovingcropyieldsandwaterefficiency.C.Byincreasingthepriceofagriculturalproducts.D.Byattractingmoreurbanresidentstoruralareas.9.Whathasbeenakeyinnovationin盤錦’sagriculture?A.Theintroductionoftraditionalfarmingmethods.B.Thedevelopmentofdrought-resistantricevarieties.C.Theconstructionofmorefarmbuildings.D.Theexpansionofagriculturalland.10.Whatisthemainpurposeofthepassage?A.Tocriticizecurrentfarmingpractices.B.Tohighlighttheneedforagriculturalinnovationin盤錦.C.Topromoteurban-ruraltourism.D.Todiscussgovernmentagriculturalpolicies.Passage3(5題，每題2分)Title:TheRoleofBanksinSupportingSmallandMediumEnterprises(SMEs)in盤錦Smallandmediumenterprises(SMEs)arethebackboneof盤錦’seconomy,accountingforover60%ofprivatesectorjobs.However,SMEsoftenstrugglewithaccessingfinancing,amajorbarriertogrowth.ChinaBank,alongwithotherfinancialinstitutions,hasimplementedprogramsspecificallydesignedtosupportSMEsin盤錦.Theseprogramsincludelow-interestloans,creditguarantees,andfinancialadvisoryservices.Onenotableinitiativeisthelaunchofanonlinelendingplatform,whichsimplifiestheapplicationprocessforSMEs.ByusingbigdataandAI,theplatformcanassesscreditworthinessmoreefficiently,reducingthetimeittakestoapproveloans.Thishasbeenparticularlybeneficialforsmallbusinessesthatlackcollateral.Additionally,bankshavepartneredwithlocalgovernmentagenciestoprovidetrainingonfinancialmanagementandbusinessplanning.11.Whatpercentageofprivatesectorjobsin盤錦areattributedtoSMEs?A.40%B.50%C.60%D.70%12.WhatisamajorchallengefacedbySMEsin盤錦?A.Highcompetitionfromlargecorporations.B.Limitedaccesstofinancing.C.Lackofskilledworkers.D.Excessivegovernmentregulations.13.WhataresomeofthefinancialsupportprogramsprovidedbybanksforSMEs?A.Onlyhigh-interestloans.B.Creditguarantees,financialadvisoryservices,andlow-interestloans.C.Governmentsubsidiesonly.D.Taxexemptions.14.HowhastheonlinelendingplatformhelpedSMEs?A.Byincreasingthecostofborrowing.B.BymakingloanapplicationsmoreefficientusingAIandbigdata.C.Byencouragingtraditionalbankingmethods.D.Byreducingtheavailabilityofcredit.15.Whatistheprimarygoalofthebank’sinitiatives?A.TomaximizeprofitsfromSMEloans.B.TosupportthegrowthandstabilityofSMEsin盤錦.C.ToreplacegovernmentfundingforSMEs.D.Topromotetheuseofphysicalbankbranches.第二部分：選詞填空（共15題，每題2分，合計30分）Instructions:Belowarepassageswithblanks.Choosethemostsuitablewordfromthelistbelowtocompleteeachblank.Eachwordcanbeusedonlyonce.ListofWords:1.innovate2.sustainable3.facilitate4.challenges5.regulations6.opportunities7.strategies8.efficient9.collaborate10.optimize11.access12.constraints13.disadvantages14.advantages15.diversifyPassage1(5題)ThedevelopmentofruralbankinginNortheastChinahasfacednumerous_______(4),includingpoorinternetconnectivityandlowdigitalliteracy.However,theadoptionofmobilebankinghascreatednew_______(6)forfarmerstomanagetheirfinances.Localbankshave_______(3)withgovernmentagenciestoprovidetrainingprograms,whichhavehelped_______(10)theuseofdigitaltools.Theseeffortshavemadefinancialservicesmore_______(8)forruralresidents.1._______(4)2._______(6)3._______(3)4._______(10)5._______(8)Passage2(5題)In盤錦市盤山縣,theagriculturalsectorhasbeenmodernizingthroughthe_______(1)ofprecisionfarmingtechniques.Thesemethodshavehelpedfarmersovercomethe_______(12)ofclimatechangeandsoildegradation.By_______(9)withtechnologyproviders,localfarmershavebeenableto_______(11)financialresourcesmoreeffectively.Additionally,thegovernmenthasimplementedpoliciesto_______(15)thelocaleconomybyencouragingthe_______(15)ofdifferentagriculturalproducts.6._______(1)7._______(12)8._______(9)9._______(11)10._______(15)Passage3(5題)Smallandmediumenterprisesin盤錦oftenface_______(13)inaccessingtraditionalfinancing.Toaddressthis,ChinaBankhaslaunchedinitiativesto_______(3)thelendingprocessforSMEs.TheseprogramsincludetheuseofAIto_______(10)creditassessment,whichhasreducedbottlenecksinloanapprovals.By_______(7)withlocalbusinesses,bankshavealsohelpedSMEsdevelop_______(5)toimprovetheircompetitiveness.11._______(13)12._______(3)13._______(10)14._______(7)15._______(5)答案及解析第一部分：英語閱讀理解答案及解析Passage11.B-解析:ThepassagefocusesonhowdigitalizationhasimprovedfinancialservicesinruralNortheastChina.2.C-解析:Thereportstatesthat80%ofruralhouseholdsusedigitalbankingtools.3.B-解析:Thepassagementionspoorinternetconnectivityandlowdigitalliteracyaskeychallenges.4.C-解析:Localbankshaveprovidedtrainingandone-on-oneassistancetopromotedigitalbanking.5.C-解析:Thepassagehasanoptimistictoneaboutthebenefitsofdigitalization.Passage26.B-解析:Thepassagementionsrice,soybeans,andaquaticproductsasthemainagriculturalproducts.7.B-解析:Challengesincludeclimatechange,soildegradation,andmarketvolatility.8.B-解析:Precisionagricultureimprovescropyieldsandwaterefficiency.9.B-解析:Thedevelopmentofdrought-resistantricevarietiesishighlightedasakeyinnovation.10.B-解析:Thepassageaimstohighlighttheneedforagriculturalinnovationin盤錦.Passage311.C-解析:ThepassagestatesthatSMEsaccountfor60%ofprivatesectorjobs.12.B-解析:LimitedaccesstofinancingisamajorchallengeforSMEs.13.B-解析:Banksprovidecreditguarantees,financialadvisoryservices,andlow-interestloans.14.B-解析:TheonlineplatformusesAIandbigdatatomakeloanapplicationsmoreefficient.15.B-解析:TheprimarygoalistosupportthegrowthandstabilityofSMEs.第二部分：選詞填空答案及解析Passage11.challenges-解析:Thepassagediscussesobstaclestoruralbankingdevelopment.2.opportunities-解析:Mobilebankingcreatesnewwaysforfarmers