工商銀行巴中市巴州區(qū)2025秋招筆試英語閱讀理解題專練30題及答案一、單選題（共10題，每題2分）1.題干：TherapiddevelopmentofdigitalbankinghassignificantlytransformedthefinanciallandscapeinChina.WhichofthefollowingbestdescribestheimpactofdigitalbankingontraditionalbankingincitieslikeBazhong?A.Ithascompletelyreplacedtraditionalbankingservices.B.Ithasenhancedtheefficiencyoftraditionalbankingoperations.C.Ithasledtoadeclineinthenumberoftraditionalbankbranches.D.Ithasincreasedthedemandfortraditionalbankingproducts.答案：C解析：Digitalbankinghasledtoareductioninthenumberofphysicalbranchesascustomersincreasinglyuseonlineandmobilebankingservices.IncitieslikeBazhong,wheretraditionalbankinginfrastructureisstillprominent,thistrendhasacceleratedtheclosureoflessprofitablebranches.2.題干：BazhongCity,locatedinthesouthernpartofSichuanProvince,isknownforitsrichculturalheritageandscenicbeauty.Whatistheprimaryeconomicactivitydrivingthecity'sgrowthinrecentyears?A.Agricultureandruraldevelopment.B.Tourismandhospitality.C.Industrialmanufacturing.D.Educationandresearch.答案：B解析：Bazhong'sgrowingtourismsectorhasbeenasignificantdriverofeconomicgrowth.Thecity'snaturallandscapes,includingtheJialingRiverandthesurroundingmountains,attractalargenumberoftouristsannually,boostingthehospitalityandrelatedindustries.3.題干：TheChinesegovernmenthasimplementedvariouspoliciestosupportthedevelopmentofsmallandmedium-sizedenterprises(SMEs)inruralareas.WhichofthefollowingpoliciesismostlikelytobenefitSMEsinBazhong?A.Increasedinterestratesonloans.B.Reducedtaxincentivesforruralbusinesses.C.Enhancedaccesstocreditandfinancialservices.D.Stricterregulationsonbusinessoperations.答案：C解析：PoliciesthatimproveaccesstocreditandfinancialservicesarecrucialforthegrowthofSMEsinruralareas.Byeasingtheavailabilityofloansandfinancialsupport,SMEsinBazhongcanexpandtheiroperationsandcontributetolocaleconomicdevelopment.4.題干：WhatisthemainchallengefacedbythebankingsectorinruralareasofChina,includingBazhongCity?A.Highcompetitionfromforeignbanks.B.Limitedtechnologicalinfrastructure.C.Excessivegovernmentregulations.D.Lowcustomerdemandforbankingservices.答案：B解析：RuralareasinChinaoftenlackthetechnologicalinfrastructurenecessarytosupportadvancedbankingservices.Thislimitationhinderstheabilityofbankstooffermodernfinancialsolutions,affectingbothcustomersatisfactionandoperationalefficiency.5.題干：TheWorldBankhaslaunchedanewinitiativetosupportfinancialinclusioninChina.Whichofthefollowingisakeyobjectiveofthisinitiative?A.Toincreasethenumberofbankbranchesinruralareas.B.Topromotetheuseofdigitalbankingamongruralpopulations.C.Toimposehighertaxesonruralbankingservices.D.ToreducethenumberofSMEsinruralareas.答案：B解析：TheWorldBank'sinitiativefocusesonpromotingfinancialinclusionbyencouragingtheuseofdigitalbankingservices.Thisapproachhelpsbridgethegapbetweenurbanandruralfinancialsystems,ensuringthatruralpopulationshaveaccesstomodernbankingsolutions.6.題干：InthecontextofChina'seconomicdevelopment,whatroledoesBazhongCityplayintheregionaleconomy?A.Itservesasamajorindustrialhub.B.Itisprimarilyaagriculturalproductioncenter.C.Itactsasacommercialandfinancialcenter.D.Itisakeyeducationalandresearchhub.答案：C解析：BazhongCityfunctionsasacommercialandfinancialcenterintheregion,facilitatingtradeandprovidingfinancialservicestolocalbusinessesandresidents.Itsstrategiclocationandgrowingeconomymakeitavitalnodeintheregionaleconomicnetwork.7.題干：TheChinesegovernmenthasbeenpromotingtheuseofcryptocurrenciesasameansofpayment.HowwouldtheadoptionofcryptocurrenciesimpacttraditionalbankinginBazhong?A.Itwouldincreasethedemandfortraditionalbankingservices.B.Itwouldreducetherelianceontraditionalbankingsystems.C.Itwouldhavenosignificantimpactontraditionalbanking.D.Itwouldforcetraditionalbankstoclosetheirbranches.答案：B解析：Theadoptionofcryptocurrenciescouldleadtoareductionintherelianceontraditionalbankingsystems,aspeoplemayoptfordigitalcurrenciesfortransactions.Thisshiftwouldchallengetraditionalbankstoadapttheirservicestoremaincompetitive.8.題干：WhatistheprimarypurposeoftheChinaRuralDevelopmentBank?A.Toprovideloanstolargecorporations.B.Tosupportruralinfrastructuredevelopment.C.Topromoteurbanbankingservices.D.Toregulatefinancialmarkets.答案：B解析：TheChinaRuralDevelopmentBankfocusesonsupportingruralinfrastructuredevelopment,providingfundingforprojectsthatimprovethequalityoflifeinruralareas.Thisalignswiththebank'smissiontofostereconomicgrowthinregionslikeBazhong.9.題干：TheriseoffintechcompaniesinChinahasdisruptedthetraditionalbankingsector.Howhasthisdisruptionaffectedbanksinruralareas?A.Ithasledtoincreasedcompetitionandinnovation.B.Ithascausedadeclineincustomertrust.C.Ithasresultedintheclosureofmostruralbankbranches.D.Ithasreducedtheneedfortraditionalbankingservices.答案：A解析：Theriseoffintechcompanieshasintroducednewcompetitionandinnovationinthebankingsector,forcingtraditionalbankstoadapttheirservicestoremainrelevant.Thishasledtoimprovementsinbankingoperations,eveninruralareas.10.題干：WhatisthesignificanceoftheJialingRivertotheeconomyofBazhongCity?A.Itisamajorsourceofwaterforindustrialuse.B.Itservesasaprimarytransportationrouteforgoods.C.Itisakeytouristattraction.D.Itisamajorfishinggroundforthelocalpopulation.答案：B解析：TheJialingRiverisasignificanttransportationrouteforgoodsinBazhongCity,facilitatingtradeandeconomicactivities.Itsnavigabilityhashistoricallymadeitanimportantchannelformovinggoods,contributingtothecity'seconomicdevelopment.二、多選題（共10題，每題2分）11.題干：WhatarethemainbenefitsofdigitalbankingforruralcommunitiesinChina?A.Increasedaccesstofinancialservices.B.Reducedtransactioncosts.C.Enhancedsecurityoftransactions.D.Improvedcustomerservice.答案：A,B,C解析：Digitalbankingoffersseveralbenefitsforruralcommunities,includingincreasedaccesstofinancialservices,reducedtransactioncosts,andenhancedsecurity.Theseadvantageshelpbridgethefinancialgapbetweenurbanandruralareas,improvingoveralleconomicparticipation.12.題干：WhatarethekeychallengesfacedbythebankingsectorinruralareasofChina?A.Limitedtechnologicalinfrastructure.B.Highoperationalcosts.C.Lowcustomerdemand.D.Regulatorycomplianceissues.答案：A,B,D解析：Thebankingsectorinruralareasfacesseveralchallenges,includinglimitedtechnologicalinfrastructure,highoperationalcosts,andregulatorycomplianceissues.Thesefactorshindertheabilityofbankstoprovideefficientandcost-effectiveservicestoruralpopulations.13.題干：WhatarethemainobjectivesoftheChinaRuralDevelopmentBank?A.Tosupportruralinfrastructuredevelopment.B.ToprovideloanstoSMEsinruralareas.C.Topromoteagriculturaldevelopment.D.Toregulateruralfinancialmarkets.答案：A,B,C解析：TheChinaRuralDevelopmentBankhasseveralobjectives,includingsupportingruralinfrastructuredevelopment,providingloanstoSMEs,andpromotingagriculturaldevelopment.Thesegoalsaimtofostereconomicgrowthandimprovethequalityoflifeinruralareas.14.題干：WhatarethemainimpactsoffintechcompaniesonthetraditionalbankingsectorinChina?A.Increasedcompetition.B.Innovationinbankingservices.C.Reductionincustomertrust.D.Decreaseinoperationalefficiency.答案：A,B解析：Fintechcompanieshavesignificantlyimpactedthetraditionalbankingsectorbyintroducingincreasedcompetitionandinnovationinbankingservices.Thesechangeshaveforcedtraditionalbankstoadaptandimprovetheirofferingstoremaincompetitive.15.題干：WhatarethemainbenefitsoftheWorldBank'sfinancialinclusioninitiativeinChina?A.Improvedaccesstofinancialservicesforruralpopulations.B.Increasedeconomicparticipation.C.Enhancedfinancialliteracy.D.Reducedrelianceontraditionalbankingsystems.答案：A,B,C解析：TheWorldBank'sfinancialinclusioninitiativeaimstoimproveaccesstofinancialservices,increaseeconomicparticipation,andenhancefinancialliteracyamongruralpopulations.Thesebenefitshelpbridgethefinancialgapbetweenurbanandruralareas,fosteringmoreinclusiveeconomicgrowth.16.題干：WhatarethemainchallengesfacedbySMEsinruralareasofChina?A.Limitedaccesstocredit.B.Highoperationalcosts.C.Lackoffinancialsupport.D.Regulatorybarriers.答案：A,B,C,D解析：SMEsinruralareasfacemultiplechallenges,includinglimitedaccesstocredit,highoperationalcosts,lackoffinancialsupport,andregulatorybarriers.Theseobstacleshindertheirgrowthanddevelopment,affectingthelocaleconomy.17.題干：WhatarethemainbenefitsoftheJialingRivertotheeconomyofBazhongCity?A.Itservesasatransportationrouteforgoods.B.Itisakeytouristattraction.C.Itprovideswaterforindustrialuse.D.Itisamajorfishingground.答案：A,B解析：TheJialingRiveroffersseveraleconomicbenefitstoBazhongCity,includingservingasatransportationrouteforgoodsandbeingakeytouristattraction.Theseadvantagescontributetothecity'seconomicgrowthanddevelopment.18.題干：WhatarethemainimpactsoftheriseoffintechcompaniesonruralbankinginChina?A.Increasedcompetition.B.Innovationinbankingservices.C.Reductionincustomertrust.D.Decreaseinoperationalefficiency.答案：A,B解析：Theriseoffintechcompanieshasintroducedincreasedcompetitionandinnovationinruralbanking,forcingtraditionalbankstoadapttheirservicestoremainrelevant.Thesechangeshaveledtoimprovementsinbankingoperationsandcustomerexperiences.19.題干：WhatarethemainobjectivesoftheChinesegovernment'spoliciestosupportSMEs?A.Toprovidetaxincentives.B.Toenhanceaccesstocredit.C.Toreduceregulatorybarriers.D.Topromoteruraldevelopment.答案：A,B,C,D解析：TheChinesegovernment'spoliciestosupportSMEsaimtoprovidetaxincentives,enhanceaccesstocredit,reduceregulatorybarriers,andpromoteruraldevelopment.ThesemeasuresaredesignedtofosterthegrowthofSMEsandcontributetotheoveralleconomicdevelopmentofthecountry.20.題干：Whatarethemainbenefitsofdigitalbankingforthebankingsectorinruralareas?A.Reducedoperationalcosts.B.Improvedcustomerservice.C.Enhancedsecurity.D.Increasedprofitability.答案：A,B,C解析：Digitalbankingoffersseveralbenefitsforthebankingsectorinruralareas,includingreducedoperationalcosts,improvedcustomerservice,andenhancedsecurity.Theseadvantageshelpbanksprovidemoreefficientandcost-effectiveservicestoruralpopulations.三、判斷題（共10題，每題1分）21.題干：TherapiddevelopmentofdigitalbankinghascompletelyreplacedtraditionalbankingservicesinChina.答案：錯誤解析：Whiledigitalbankinghassignificantlytransformedthefinanciallandscape,ithasnotcompletelyreplacedtraditionalbankingservices.Manycustomersstillpreferthepersonaltouchandphysicalpresenceoftraditionalbanks.22.題干：BazhongCityisprimarilyanindustrialmanufacturinghubinSichuanProvince.答案：錯誤解析：BazhongCityismoreknownforitstourismandhospitalitysectorratherthanindustrialmanufacturing.Thecity'snaturallandscapesandculturalheritageattractalargenumberoftouristsannually.23.題干：TheChinaRuralDevelopmentBankfocusesonprovidingloanstolargecorporations.答案：錯誤解析：TheChinaRuralDevelopmentBankprimarilysupportsruralinfrastructuredevelopmentandprovidesloanstoSMEsinruralareas,ratherthanlargecorporations.24.題干：Theriseoffintechcompanieshasledtoadeclineincustomertrustintraditionalbanks.答案：錯誤解析：Theriseoffintechcompanieshasintroducednewcompetitionandinnovation,butithasnotnecessarilyledtoadeclineincustomertrust.Manycustomersstillvaluethereliabilityandsecurityofferedbytraditionalbanks.25.題干：TheJialingRiverisamajorsourceofwaterforindustrialuseinBazhongCity.答案：錯誤解析：WhiletheJialingRiverisimportantfortranspo