中國(guó)銀行菏澤市牡丹區(qū)2025秋招筆試英語(yǔ)閱讀＋選詞題專(zhuān)練30題及答案一、英語(yǔ)閱讀理解（共10題，每題2分，合計(jì)20分）1.Passage1(2分)TherapiddevelopmentofdigitalbankinghastransformedthefinanciallandscapeinChina.AccordingtoareportbytheChinaBankingandRegulatoryCommission,digitaltransactionsaccountedforover60%oftotalbankingoperationsin2024.Thisshiftnotonlyimprovesefficiencybutalsoenhancescustomerexperience.However,challengessuchascybersecurityanddataprivacyremainsignificantconcernsforinstitutionsliketheBankofChina.LocalbranchesinareaslikeHeze,牡丹區(qū),areadaptingbyintegratingAI-drivenserviceswhilemaintainingtraditionalbankingpractices.Question:Whatisthemainfocusofthepassage?A.ThedeclineoftraditionalbankingB.TheimpactofdigitalbankingonChinesefinanceC.TheroleofcybersecurityinfinancialinstitutionsD.TheeconomicgrowthofHezecity2.Passage2(2分)Inrecentyears,thedemandforgreenfinancialproductshassurgedin牡丹區(qū).Thelocalgovernmenthasencouragedbankstopromotelow-carbonloansandinvestmentsinrenewableenergy.AsurveybythePeople’sBankofChinashowsthat45%ofresidentsin牡丹區(qū)preferfinancialproductswithenvironmentalbenefits.TheBankofChinahaslaunchedseveralinitiatives,includinggreenmortgages,tosupportsustainabledevelopment.TheseeffortsalignwithChina’sbroadergoalofachievingcarbonneutralityby2060.Question:WhatmeasurehastheBankofChinatakentosupportgreenfinance?A.ReducedinterestratesforallloansB.IntroducedgreenmortgagesC.IncreasedinvestmentsintraditionalindustriesD.Focusedondigitalbankingonly3.Passage3(2分)The2024HezeInternationalTradeFairhighlightedthegrowingimportanceofcross-bordere-commercein牡丹區(qū).Withthesupportoflocalbanks,smallandmedium-sizedenterprises(SMEs)intheregionhaveexpandedtheirglobalreach.Thefairshowcasedinnovationsinlogisticsandpaymentsystems,whichhavereducedtransactioncosts.TheBankofChinaplayedakeyrolebyofferingfavorableexchangeratesandtradefinancesolutions.Thishashelped牡丹區(qū)businessescompetemoreeffectivelyininternationalmarkets.Question:HowhastheBankofChinaaidedSMEsinHeze?A.ByprovidingfreemarketingservicesB.ByofferingtradefinancesolutionsC.ByorganizingthetradefairD.Byreducingimporttaxes4.Passage4(2分)Theelderlypopulationin牡丹區(qū)isgrowingrapidly,posingchallengesforsocialwelfaresystems.TheBankofChinahasintroducedspecializedfinancialproducts,suchasretirementannuities,toaddressthisissue.Theseproductshelpindividualssavefortheirpost-retirementyearswhileensuringregularincome.AstudybytheNationalBureauofStatisticsfoundthat30%of牡丹區(qū)residentsaged60andaboverelyonsuchfinancialtools.Thebank’sinitiativesarepartofalargerefforttoimprovethequalityoflifefortheelderlyintheregion.Question:Whatproblemdoesthepassagehighlight?A.ThedeclineoftheelderlypopulationB.TheincreasingrelianceonretirementannuitiesC.ThelackofsocialwelfaresystemsD.Thehighcostofhealthcarefortheelderly5.Passage5(2分)TheBankofChinahasbeeninvestingheavilyinfintechtoenhanceitsservicesinHeze.Bypartneringwithlocaluniversities,thebankhasdevelopedadvancedpaymentsolutionsthatcombinetraditionalbankingwithmoderntechnology.Theseinnovationshavenotonlyimprovedcustomerconveniencebutalsoreducedfraudrisks.Forexample,biometricverificationsystemshavesignificantlyloweredunauthorizedaccesstoaccounts.Thebankplanstoexpandthesetechnologiestootherregionsin山東省inthenearfuture.Question:WhattechnologicaladvancementhastheBankofChinaintroduced?A.MobilebankingappsB.BiometricverificationsystemsC.Automatedtellermachines(ATMs)D.Virtualrealitybanking6.Passage6(2分)TheHezegovernmenthaslaunchedaprogramtosupportruraldevelopmentthroughfinancialinclusion.TheBankofChinahasbeenamajorparticipant,providingmicroloanstofarmersandsmallbusinessesinruralareas.Theseloanshaveenabledentrepreneurstoexpandtheiroperationsandimprovelivelihoods.AreportbytheMinistryofAgriculturenotedthat70%ofruralhouseholdsin牡丹區(qū)havebenefitedfromsuchfinancialsupport.Thebank’seffortsalignwithChina’sstrategytoreduceregionaldisparities.Question:WhathastheBankofChinadonetosupportruralareas?A.EstablishednewbranchesinruralregionsB.ProvidedmicroloanstofarmersC.ImplementedruraltaxpoliciesD.Conductedagriculturalresearch7.Passage7(2分)Theriseofcryptocurrencieshasraisedconcernsamongtraditionalfinancialinstitutions,includingtheBankofChina.Whilethebankacknowledgesthepotentialofblockchaintechnology,itremainscautiousaboutitsapplicationinmainstreamfinance.In牡丹區(qū),thebankhasfocusedonregulatingcryptocurrency-relatedtransactionstopreventfinancialrisks.Thisapproachreflectsitscommitmenttomaintainingstabilityinthefinancialsystem.Question:WhatistheBankofChina’sstanceoncryptocurrencies?A.ItfullysupportstheiruseinfinanceB.ItisneutraltowardtheirdevelopmentC.ItregulatesrelatedtransactionstomitigaterisksD.Ithasbannedallcryptocurrencyactivities8.Passage8(2分)TheBankofChinahasintroducedanewcreditscoringsysteminHeze,incorporatingbigdataanalyticstoassessborrowersmoreaccurately.Thissystemconsidersfactorsbeyondtraditionalcredithistory,suchasutilitypaymentsandonlinebehavior.Apilotprogramin牡丹區(qū)showeda20%reductionindefaultratescomparedtoconventionalmethods.Thebankplanstorolloutthissystemnationwidein2025.Question:WhatinnovationhastheBankofChinaimplemented?A.ArewardsprogramforloyalcustomersB.AcreditscoringsystemusingbigdataC.AnewsavingsaccountwithhigherinterestratesD.Amobilepaymentpromotioncampaign9.Passage9(2分)TheHezebranchoftheBankofChinahaslaunchedafinancialliteracyprogramtoeducatelocalresidentsaboutpersonalfinancemanagement.Workshopsandonlineresourceshavebeenmadeavailabletohelpindividualsplanfortheirfuture.Asurveyconductedbythebankfoundthat60%ofparticipantsimprovedtheirsavingshabitsafterparticipatingintheprogram.Thisinitiativereflectsthebank’sroleinpromotingfinancialinclusionandresponsibility.Question:WhatisthepurposeoftheBankofChina’sprogram?A.ToincreasethenumberofbankcustomersB.ToimprovefinancialliteracyamongresidentsC.TopromotecryptocurrencyinvestmentsD.Toreduceloandefaults10.Passage10(2分)TheBankofChinahaspartneredwithlocalbusinessesinHezetosupportthetourismindustry.Byofferingtravel-relatedfinancialproducts,suchastravelinsuranceandcreditcardswithrewardpoints,thebankhashelpedboosttourismintheregion.AstudybytheHezeTourismBureaushowsthattheseinitiativeshaveincreasedtouristspendingby15%.Thebank’scollaborationwithlocalenterprisesdemonstratesitscommitmenttoregionaleconomicdevelopment.Question:HowhastheBankofChinacontributedtotourisminHeze?A.BybuildinghotelsintheareaB.Byofferingtravel-relatedfinancialproductsC.ByorganizingtourismfestivalsD.Byinvestingintransportationinfrastructure二、選詞填空（共20題，每題1分，合計(jì)20分）Instructions:Choosethebestwordtofillineachblank.1.Therapidgrowthofdigitalbankinghas______thetraditionalfinancialindustryinChina.A.transformedB.replacedC.supportedD.threatened2.LocalbanksinHezehave______initiativestopromotegreenfinance.A.launchedB.ignoredC.delayedD.rejected3.TheBankofChinahas______tradefinancesolutionsforSMEsin牡丹區(qū).A.introducedB.eliminatedC.minimizedD.ignored4.Theelderlypopulationin牡丹區(qū)requires______financialsupport.A.additionalB.reducedC.minimalD.unnecessary5.Fintechhas______theefficiencyofbankingservicesinHeze.A.improvedB.decreasedC.unchangedD.damaged6.Thebank’snewcreditscoringsystemuses______toassessborrowers.A.traditionalmethodsB.bigdataanalyticsC.manualcalculationsD.randomselection7.Thefinancialliteracyprogramaimsto______savingshabitsamongresidents.A.improveB.discourageC.maintainD.destroy8.Cryptocurrenciespose______riskstothefinancialsystem.A.minimalB.moderateC.significantD.negligible9.TheBankofChinahas______ruralareasthroughmicroloans.A.neglectedB.supportedC.ignoredD.abandoned10.Thegovernmenthas______financialinclusioninruralregions.A.encouragedB.opposedC.limitedD.forbidden11.Thebankhas______partnershipswithlocaluniversitiestodevelopfintechsolutions.A.establishedB.terminatedC.weakenedD.ignored12.Biometricverificationsystemshave______fraudrisks.A.reducedB.increasedC.unchangedD.eliminated13.Theriseofcross-bordere-commercehas______SMEsin牡丹區(qū).A.benefitedB.harmedC.excludedD.limited14.TheBankofChinahas______investmentsinrenewableenergy.A.reducedB.increasedC.pausedD.terminated15.Thefinancialsystemneeds______regulationtomaintainstability.A.strictB.relaxedC.minimalD.no16.Thecreditscoringsystemconsidersfactorsbeyond______history.A.traditionalB.recentC.financialD.personal17.Thebank’sinitiativeshave______regionaleconomicdevelopment.A.supportedB.hinderedC.ignoredD.delayed18.ThetourismindustryinHezehas______duetothebank’ssupport.A.declinedB.grownC.stagnatedD.collapsed19.Theelderlyrelyon______fortheirpost-retirementincome.A.socialwelfareB.governmentsubsidiesC.familysupportD.financialproducts20.Thebank’snewfintechsolutionshave______customersatisfaction.A.increasedB.decreasedC.unchangedD.damaged答案及解析一、英語(yǔ)閱讀理解答案及解析1.B解析:ThepassagediscussestheimpactofdigitalbankingonChinesefinance,emphasizingitsgrowthandchallenges.2.B解析:ThetextspecificallymentionstheBankofChina’sintroductionofgreenmortgagestosupportenvironmentalgoals.3.B解析:Thepassagehighlightsthebank’sroleinprovidingtradefinancesolutionstohelpSMEsexpandglobally.4.B解析:Thepassagefocusesonthegrowingelderlypopulationandthebank’seffortstoprovidefinancialsupportthroughretirementannuities.5.B解析:Thetextmentionsbiometricverificationsystemsasatechnologicaladvancementintroducedbythebank.6.B解析:Thepassagedescribesthebank’smicroloanprogramtosupportruraldevelopment.7.C解析:Thebankregulatescryptocurrencytransactionstomitigaterisks,reflectingacautiousapproach.8.B解析:Thepassagediscussesthebank’snewcreditscoringsystemusingbigdataanalytics.9.A解析:Theprogramaimstoimprovesavingshabitsamongresidentsthroughfinancialeducation.10.B解析:Thebank’sfinancialproductshavehelpedboosttourismspendinginHeze.二、選詞填空答案及解析1.A解析:"Transformed"fitsthecontextofdigitalbankingreshapingthefinancialindustry.2.A解析:"Launched"alignswiththeideaofbanksintroducinginitiativesforgreenfinance.3.A解析:"Introduced"isappropriateforthebankofferingtradefinancesolutions.4.A解析:"Additional"supportstheneedformorefinancialsupportfortheelderly.5.A解析:"Improv