中國(guó)銀行綏化市北林區(qū)2025秋招筆試英語閱讀＋選詞題專練30題及答案英語閱讀理解（共10題，每題2分，合計(jì)20分）背景提示：本題圍繞中國(guó)銀行業(yè)務(wù)、綏化市北林區(qū)經(jīng)濟(jì)發(fā)展及金融科技應(yīng)用展開，涉及銀行招聘、普惠金融、農(nóng)村金融等主題。題目：1.Passage:AlocalbranchofBankofChinainBeilinDistrict,SuhuaCity,haslauncheda"SmartFarmingFinance"programtosupportagriculturaltechnologyadoption.Theinitiativeprovideslow-interestloansanddigitalfinancialservicesforfarmers,aimingtomodernizeruraleconomies.Despiteinitialskepticism,theprogramhasseena30%increaseinloanapplicationssinceitsinception.Whatistheprimarybenefitofthisinitiative?A.ReducedoperatingcostsforthebankB.ImprovedaccesstofinanceforruralcommunitiesC.IncreasedprofitsfromagriculturalinvestmentsD.Expansionofthebank’sphysicalnetwork2.Passage:ThearticlehighlightsthechallengesoffinancialinclusioninnorthernChina’sruralareas,citinglowbankingpenetrationandlimiteddigitalliteracy.BankofChina’srecentsurveyrevealsthatonly45%ofhouseholdsinBeilinDistrictownbankaccounts,comparedtothenationalaverageof68%.Whichofthefollowingsolutionsismosteffectivetoaddressthisissue?A.BuildingmorephysicalbranchesinremotevillagesB.OfferingfreefinancialliteracyworkshopsC.IncreasingfeesforruralloanapplicationsD.Requiringcustomerstousesmartphonesexclusivelyfortransactions3.Passage:AnewmobilebankingappdevelopedbyBankofChinaallowsusersinSuhuaCitytotransferfundsinstantlyusingfacialrecognition.TheappalsointegratesAI-poweredriskassessmenttodetectfraudulentactivities.Accordingtobankofficials,thistechnologyhasreducedtransactionerrorsby70%.Whatisthemainadvantageofthisappforlocalbusinesses?A.LowertransactionfeesB.FasterprocessingtimesC.EnhancedsecurityfeaturesD.Noneedfortraditionalbankaccounts4.Passage:ThelocalgovernmentofBeilinDistricthaspartneredwithBankofChinatopromotegreenfinanceinitiatives,includingsubsidiesforeco-friendlyfarmingequipment.Farmerswhoadoptsolar-poweredirrigationsystemscanreceiveupto50%loandiscounts.Howdoesthispolicybenefittheenvironment?A.ReducesrelianceonfossilfuelsB.DecreaseswaterconsumptionC.LowerscropyieldsD.Increasesagriculturalwaste5.Passage:ArecentreportbyBankofChinashowsthatsmallbusinessesinSuhuaCityareincreasinglyusingdigitalpayments,withmobiletransactionsrisingby55%inthepastyear.Whatisamajorconcernforlocalmerchantsadoptingthistrend?A.HighercostsforPOSmachinesB.IncreasedtaxburdensC.CybersecurityrisksD.Reducedcustomertrust6.Passage:Thebankhasintroduceda"YouthEntrepreneurshipLoan"programtosupportyoungentrepreneursinBeilinDistrict.Applicantscanreceiveloansupto100,000RMBwithflexiblerepaymentterms.Whyisthisprogramparticularlyimportantfortheregion?A.ItencouragesurbanmigrationB.ItfosterslocaleconomicgrowthC.ItraisestheminimumwageD.Itreducesunemploymentinruralareas7.Passage:AstudybyBankofChinaindicatesthatruralhouseholdsinSuhuaCityprefertraditionalbankingmethodsoverdigitalplatformsduetolimitedinternetaccess.Whatisthebank’sresponsetothischallenge?A.EliminatingalldigitalservicesB.ExpandingbranchnetworksC.OfferinghybridfinancialsolutionsD.Mandatingsmartphoneusage8.Passage:Thebankhaslauncheda"DigitalCreditCard"forsmallbusinessesinBeilinDistrict,offeringcashbackonbusinessexpenses.Howdoesthiscardhelplocalenterprises?A.ProvidesfreemarketingservicesB.ImprovescashflowmanagementC.ReducesborrowingcostsD.Eliminatescreditchecks9.Passage:Thearticlediscussestheimpactofrural-urbanmigrationonthebankingsectorinSuhuaCity.BankofChina’sdatashowsthat40%ofyoungworkersintheregionhavemovedtocities,leavingbehindagingpopulations.Whatisalong-termconsequenceofthistrend?A.IncreaseddemandforretirementservicesB.DecliningloanapplicationsC.HigherinflationratesD.Reducedcompetitionamongbanks10.Passage:Thebankhasimplementeda"Blockchain-BasedSupplyChainFinance"systemtostreamlinepaymentsforlocalagriculturalcooperatives.Whatisakeyadvantageofthistechnology?A.FasterfunddisbursementB.LoweradministrativecostsC.Real-timetrackingofgoodsD.Reducedpaperwork選詞填空（共20題，每題1分，合計(jì)20分）題目：Passage:TherapiddevelopmentoffinancialtechnologyhastransformedthebankingsectorinnorthernChina.LocalinstitutionslikeBankofChinaareadaptingtochangingconsumerneedsbyintegratingdigitalsolutionsintotheiroperations.Belowaresentencesfromanarticleaboutthistrend.Fillintheblankswiththemostappropriatewordsfromthelist.WordBank(eachwordcanbeusedonlyonce):1.innovative2.accessibility3.traditional4.efficiency5.challenges6.sustainable7.disruption8.inclusive9.automation10.competitive1.Digitalbankinghasbroughtabout_disruption_inthe_traditional_financialindustry.2.Thenewappaimstoimprove_accessibility_forruralcustomersinSuhuaCity.3.AI-powered_automation_hasincreased_efficiency_inloanprocessing.4.Despitethebenefits,financialtechnologyalsopresents_challenges_forregulators.5.Thebank’sgreenfinanceinitiativespromote_sustainable_economicgrowth.6.Localbusinessesseek_competitive_advantagesinthedigitalera.7.普惠金融政策提高了金融服務(wù)的_inclusive_nature.8.ThebranchinBeilinDistrictintroduced_innovative_creditproductsforfarmers.9.Youngentrepreneursface_accessibility_issueswhenusing_traditional_bankingmethods.10.Blockchaintechnologyenhancesthe_efficiency_ofsupplychainfinance.11.Thegovernmentencourages_sustainable_developmentinruralareas.12._Inclusive_bankingensuresthatallcommunitieshavefinancialopportunities.13._Automation_reducestheneedformanualpaperwork.14.Thearticlehighlightsthe_challenges_ofintegratingruralfinance.15._Innovative_solutionshelpbanksstayaheadinacompetitivemarket.16.Digitalpaymentsimprove_accessibility_forsmallbusinesses.17._Traditional_bankingsystemsstrugglewith_competitive_pressures.18._Sustainable_practicesbenefitboththeenvironmentandtheeconomy.19._Automation_streamlinesoperationsbutmayreducehumaninteraction.20._Inclusive_policiesaddressthe_accessibility_gapsinruralareas.答案與解析英語閱讀理解答案與解析1.B-解析：文章明確提到該計(jì)劃旨在通過提供低息貸款和數(shù)字金融服務(wù)來支持農(nóng)村經(jīng)濟(jì)發(fā)展，直接對(duì)應(yīng)選項(xiàng)B。其他選項(xiàng)未在文中提及。2.B-解析：文章指出農(nóng)村地區(qū)金融普及率低，數(shù)字素養(yǎng)不足，因此提供金融知識(shí)培訓(xùn)（選項(xiàng)B）是解決問題的關(guān)鍵。其他選項(xiàng)如建更多網(wǎng)點(diǎn)成本高，強(qiáng)制使用手機(jī)不現(xiàn)實(shí)。3.C-解析：文章強(qiáng)調(diào)AI風(fēng)險(xiǎn)檢測(cè)技術(shù)顯著降低交易錯(cuò)誤，對(duì)應(yīng)選項(xiàng)C。其他選項(xiàng)如費(fèi)用、速度雖提及，但非核心優(yōu)勢(shì)。4.A-解析：補(bǔ)貼太陽能灌溉系統(tǒng)旨在減少對(duì)化石燃料的依賴，符合綠色金融理念。其他選項(xiàng)如節(jié)水未直接提及。5.C-解析：文章指出商戶采用數(shù)字支付面臨的主要風(fēng)險(xiǎn)是網(wǎng)絡(luò)安全問題。其他選項(xiàng)如成本、稅收未作為核心擔(dān)憂。6.B-解析：該貸款支持青年創(chuàng)業(yè)，促進(jìn)當(dāng)?shù)亟?jīng)濟(jì)增長(zhǎng)，符合區(qū)域發(fā)展需求。其他選項(xiàng)如城市遷移、最低工資未提及。7.C-解析：針對(duì)農(nóng)村網(wǎng)絡(luò)限制，銀行提供線上線下結(jié)合的混合解決方案，對(duì)應(yīng)選項(xiàng)C。其他選項(xiàng)如完全取消數(shù)字服務(wù)不可行。8.B-解析：現(xiàn)金返還幫助商戶管理現(xiàn)金流，是核心優(yōu)勢(shì)。其他選項(xiàng)如免費(fèi)營(yíng)銷、降低利率未直接提及。9.B-解析：年輕人外流導(dǎo)致貸款需求下降，是直接后果。其