中國銀行福州市羅源縣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（10題，每題2分，共20分）背景：中國銀行福州市羅源縣分行秋招涉及金融業(yè)務(wù)、地方經(jīng)濟(jì)及銀行服務(wù)相關(guān)內(nèi)容。題目：1.Passage1(2分)TherapiddevelopmentofdigitalbankinghastransformedfinancialservicesinruralareaslikeLuoyuanCounty.Localbanks,includingBankofChina,haveintroducedmobilepaymentsystemsandonlinelendingplatformstoimproveaccessforsmallbusinesses.However,challengesremain,suchaslowinternetpenetrationinremotevillages.A2024reportbytheChinaBankingAssociationshowsthatonly60%ofruralhouseholdsinFujianusedigitalbankingservices.Toaddressthis,BankofChinaLuoyuanBranchplanstolaunchtrainingprogramsincooperationwithlocalgovernments.WhichofthefollowingisNOTmentionedasachallenge?A.Highcostsofdigitalinfrastructure.B.Limitedinternetaccessinruralareas.C.Lowawarenessamongsmallbusinesses.D.Insufficientgovernmentsupport.2.Passage2(2分)ThelocaleconomyofLuoyuanCountyreliesheavilyonagriculture,particularlyoysterfarming.In2023,thecounty’soysteroutputreached25,000tons,contributing30%ofFujian’stotalproduction.However,climatechangehasledtorisingseatemperatures,affectingoysterquality.AstudybytheFujianOceanUniversitysuggeststhatartificialreefscanmitigatethisissuebystabilizingwaterconditions.Thecountygovernmenthasallocated50millionyuantobuild20artificialreefsby2026.WhatistheprimarythreattoLuoyuan’soysterindustry?A.Overfishingbyforeignfleets.B.Decliningdemandincoastalmarkets.C.Environmentaldegradation.D.Highlaborcosts.3.Passage3(2分)BankofChinahasimplementedanewcustomerservicepolicytoenhancesatisfactioninFujian.Thepolicyincludes24-houronlinesupport,personalizedfinancialadvice,andreducedfeesforruralclients.Asurveyconductedin2024foundthat85%ofrespondentsweresatisfiedwiththebank’sdigitalservices.However,15%citedslowresponsetimesduringpeakhours.Toimproveefficiency,thebankplanstohireadditionalstaffandupgradeitsCRMsystem.Whatisthebiggestcomplaintaboutcurrentservices?A.Lackofbranchlocations.B.Poordigitalserviceavailability.C.Hightransactionfees.D.Inadequatestafftraining.4.Passage4(2分)TheFujianProvincialGovernmenthaslaunchedaprogramtopromotegreenfinanceinruralareas.BankofChinaLuoyuanBranchisparticipatingbyofferinglow-interestloanstoeco-friendlybusinesses.Alocalbamboocraftcompany,"GreenBambooCo.,"received1millionyuantoexpanditssustainableproduction.Theprojectaimstoreducecarbonemissionsby20%withinthreeyears.Howdoesthisinitiativebenefitthelocaleconomy?A.Itattractsforeigninvestors.B.Itencouragessustainablepractices.C.Itincreasespropertyvalues.D.Itreducesgovernmentdebt.5.Passage5(2分)EnglishproficiencyisbecomingincreasinglyimportantinChina’sbankingsector.BankofChina’s2025recruitmentguidelinesrequirecandidatestoscoreabove600intheIELTSorTOEFLexam.Localemployeesareencouragedtoattendlanguagetrainingprogramstomeetthedemand.ArecentworkshopinFuzhousaw200participants,with90%reportingimprovedskillsaftersixmonths.WhydoesthebankprioritizeEnglishability?A.Toserveforeignclients.B.Toexpandoverseasbranches.C.Tocomplywithinternationalstandards.D.Toenhanceinternalcommunication.6.Passage6(2分)TheLuoyuanCountyTourismBureauisdevelopinganeweco-tourismroutetoboostthelocaleconomy.Therouteincludesvisitstooysterfarms,teaplantations,andhistoricalsites.A2023studyshowedthattouristsspendanaverageof3,000yuanperdayinthecounty.Thenewrouteisexpectedtoincreasethisfigureby40%withintwoyears.Whatisthemaingoaloftheinitiative?A.Toattractmoreforeigntourists.B.Topromotelocalculturalheritage.C.Toreducerelianceonagriculture.D.Togeneraterevenueforthegovernment.7.Passage7(2分)TheChinesegovernmenthasintroducedstricterregulationsonruralcreditrisks.BankofChinaLuoyuanBranchmustnowconductthoroughbackgroundchecksonborrowers.Asmallfarmer,"LiMing,"wasdeniedaloanduetopoorcredithistory.Thebankreferredhimtoamicrofinanceinstitutioninstead.Howdoesthispolicyprotectthebank?A.Itreducesloandefaults.B.Itincreasesprofitmargins.C.Itexpandscustomerbase.D.Itimprovesbrandreputation.8.Passage8(2分)ThedemandforonlinebankinginruralFujianhassurgedsincethepandemic.BankofChina’smobileappusagegrewby150%in2023.Tofurtherimproveservices,thebankisaddingfeatureslikeAI-poweredfinancialplanning.ApilotprograminFuzhousaw80%ofusersadoptthenewtools.Whatisthebiggestchallengeinexpandingdigitalservices?A.Technicalinfrastructure.B.Customeradoption.C.Regulatorycompliance.D.Cybersecurityrisks.9.Passage9(2分)TheLuoyuanCountyEducationBureauhaspartneredwithBankofChinatoteachfinancialliteracyinschools.Theprogramincludesworkshopsonsaving,investing,anddebtmanagement.A2024surveyrevealedthat70%ofstudentsreportedbetterfinancialknowledgeafterparticipating.Whyisthisinitiativeimportantforthelocaleconomy?A.Itreducesyouthunemployment.B.Itpromotesresponsiblespending.C.Itattractsforeigninvestors.D.Itincreasespropertyprices.10.Passage10(2分)TheBankofChinaFoundationhasdonated10millionyuantobuildarurallibraryinLuoyuan.Thelibrarywillserveasacenterforfinancialeducationandcommunitygatherings.AsimilarprojectinZhejianghasimprovedliteracyratesby20%infiveyears.Whatistheexpectedimpactofthislibrary?A.Itboostslocaltourism.B.Itenhancesfinancialinclusion.C.Itincreasespropertyvalues.D.Itreducescrimerates.選詞填空（20題，每題1分，共20分）背景：題材圍繞中國銀行業(yè)農(nóng)村金融、地方經(jīng)濟(jì)發(fā)展及銀行日常運營展開。題目：1.Thedigitalbankingrevolutionhas_______accesstofinancialservicesforsmallbusinessesinruralareas.A.improvedB.limitedC.delayedD.eliminated2.Artificialreefscan_______waterconditions,helpingtoprotectoysterfarmsfromclimatechange.A.stabilizeB.degradeC.disruptD.worsen3.BankofChina’snewcustomerservicepolicyaimsto_______satisfactionamongruralclients.A.decreaseB.increaseC.ignoreD.postpone4.Thegovernment’sgreenfinanceprogramencouragesbusinessestoadopt_______practices.A.unsustainableB.environmentallyfriendlyC.traditionalD.high-cost5.Englishproficiencyis_______inthebankingsectorduetointernationalbusinessdemands.A.unnecessaryB.optionalC.increasinglyimportantD.discouraged6.Thetourismbureauplansto_______eco-tourismroutestoattractmorevisitors.A.reduceB.developC.eliminateD.ignore7.Strictercreditregulationshelpbanks_______loandefaults.A.reduceB.increaseC.ignoreD.postpone8.Onlinebankingserviceshave_______duringthepandemicduetoreducedphysicaltransactions.A.declinedB.grownC.stagnatedD.declined9.Financialliteracyprogramsteachstudentshowto_______moneywisely.A.wasteB.saveC.borrowrecklesslyD.spendextravagantly10.Thebank’sCSRinitiativeincludesbuildingarurallibraryto_______financialinclusion.A.hinderB.promoteC.ignoreD.reduce11.Localgovernmentsareinvestinginruralinfrastructureto_______internetpenetration.A.improveB.decreaseC.ignoreD.delay12.SmallbusinessesinLuoyuanCountyoftenstrugglewith_______duetolimitedaccesstocredit.A.growthopportunitiesB.environmentalissuesC.laborshortagesD.governmentsupport13.Thebank’sCRMsystemhelps_______customerinteractionsandimproveservicequality.A.streamlineB.complicateC.ignoreD.delay14.Artificialintelligenceisbeingusedto_______financialplanningforclients.A.complicateB.automateC.ignoreD.discourage15.Thetourismrouteincludesvisitstohistoricalsitesto_______localculturalheritage.A.preserveB.destroyC.ignoreD.commercialize16.BankofChina’strainingprogramsaimto_______employees’Englishskills.A.improveB.reduceC.ignoreD.eliminate17.Thenewloanpolicyrequiresborrowerstohavea_______credithistory.A.strongB.weakC.irrelevantD.non-existent18.Thebank’smobileapphasafeatureto_______transactionsforruralclients.A.facilitateB.hinderC.ignoreD.complicate19.Financialeducationprogramshelpindividuals_______debtmanagement.A.improveB.neglectC.ignoreD.avoid20.Thelibraryprojectaimsto_______accesstoknowledgeforunderprivilegedcommuni