中國銀行濟南市濟陽區(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（15題，每題2分，共30分）Instructions:Readthefollowingpassagescarefullyandchoosethebestanswer(A,B,C,orD)foreachquestionbasedontheinformationprovided.Passage1(5題)China’sbankingsectorhasbeenundergoingsignificanttransformationsinrecentyears,drivenbytechnologicaladvancementsandregulatoryreforms.TheChinaBankingandRegulatoryCommission(CBRC)hasintroducedstrictercapitaladequacyrequirementstoenhancefinancialstability.Meanwhile,digitalbankinghasgainedmomentum,withmajorinstitutionslikeICBCandChinaMerchantsBankexpandingtheironlineplatforms.However,challengesremain,suchascybersecurityrisksandtheneedfortalentwithcross-disciplinaryskills.1.Whatistheprimarydriverofthebankingsector’stransformationinChina?A)IncreasedcompetitionfromforeignbanksB)TechnologicaladvancementsandregulatoryreformsC)AdeclineintraditionalbankingservicesD)Governmentsubsidiesforlocalbanks2.WhichregulatorybodyisresponsibleforoverseeingChina’sbankingsector?A)People’sBankofChinaB)ChinaBankingandRegulatoryCommissionC)ChinaInsuranceRegulatoryCommissionD)StateAdministrationofTaxation3.WhatisamajorchallengefacedbyChinesebanksinthedigitalera?A)InsufficientcustomerbaseB)CybersecurityrisksC)HighoperatingcostsD)Limitedinternationalexposure4.Whichbankismentionedasaleaderindigitalbanking?A)AgriculturalBankofChinaB)IndustrialandCommercialBankofChinaC)ChinaMerchantsBankD)BankofChina5.WhatdoesthepassagesuggestaboutChina’sbankingsectorinthefuture?A)Itwillfocussolelyontraditionalbankingservices.B)Itwillprioritizeexpandingitspresenceoverseas.C)Itwillcontinuetoadapttotechnologicalandregulatorychanges.D)Itwillreduceitsrelianceondigitalbanking.Passage2(5題)Jinan,thecapitalofShandongProvince,hasemergedasakeyhubforChina’sbankingindustry.Thecityhostsseveralbranchesofstate-ownedbanks,privatebanks,andforeignfinancialinstitutions.Thelocalgovernmenthasimplementedpoliciestoattractbankingtalent,offeringincentivessuchashousingsubsidiesandtaxbreaks.Additionally,Jinan’sproximitytoindustrialzoneshasstrengtheneditsroleasafinancialcenterforbusinessesintheregion.However,thecityfacescompetitionfromotherfinancialhubslikeShanghaiandBeijing.6.WhyisJinanconsideredasignificantbankinghubinChina?A)Ithasthelargestnumberofbanksinthecountry.B)Itishometomanystate-ownedbanks.C)Itservesasafinancialcenterforregionalbusinesses.D)Itattractsthemostforeignfinancialinstitutions.7.WhatincentivesdoestheJinangovernmentprovidetobankingprofessionals?A)SalarybonusesB)HousingsubsidiesandtaxbreaksC)RelocationallowancesD)Educationalfunding8.HowdoesJinan’slocationbenefititsbankingsector?A)ItiscentrallylocatedwithinChina.B)Itisnearindustrialzones,supportingbusinessfinance.C)Ithasbetterinfrastructurethanothercities.D)Itisclosertointernationalfinancialmarkets.9.WhatchallengedoesJinan’sbankingsectorface?A)AlackofqualifiedtalentB)HighoperatingcostsC)CompetitionfromotherfinancialhubsD)Limitedgovernmentsupport10.WhatdoesthepassageimplyaboutJinan’sfutureinbanking?A)ItwillsurpassBeijingasChina’stopfinancialcenter.B)Itwillfocusonbecomingaglobalbankinghub.C)Itwillremainaregionalfinancialcenterwithgrowthpotential.D)Itwillreduceitsbankingoperationstofocusonotherindustries.Passage3(5題)TherapiddevelopmentoffintechinChinahastransformedthewayindividualsandbusinessesaccessfinancialservices.MobilepaymentplatformslikeAlipayandWeChatPayhavebecomeintegraltodailylife,enablinginstanttransactionsandfinancialinclusion.Meanwhile,banksarecollaboratingwithfintechcompaniestointegrateAIandbigdataintotheirservices.Despitetheseadvancements,regulatorychallengespersist,particularlyinareaslikedataprivacyandanti-moneylaundering.11.HowhasfintechaffectedfinancialservicesinChina?A)Ithasreducedtheneedfortraditionalbanking.B)Ithasmadefinancialservicesmoreaccessible.C)Ithasincreasedregulatoryscrutiny.D)Ithasdecreasedcompetitionamongbanks.12.Whichmobilepaymentplatformsarementionedinthepassage?A)UnionPayand銀聯(lián)B)AlipayandWeChatPayC)PaytmandGooglePayD)JPMorganChaseandPayPal13.Whattechnologyarebanksincorporatingintotheirserviceswithfintechpartners?A)BlockchainandcryptocurrencyB)AIandbigdataC)CloudcomputingandIoTD)Virtualrealityandaugmentedreality14.Whatregulatorychallengesarehighlightedinthepassage?A)TaxevasionandfraudB)Dataprivacyandanti-moneylaunderingC)InsufficientbankinginfrastructureD)Hightransactionfees15.WhatdoesthepassagesuggestaboutthefutureoffintechinChina?A)Itwillbecompletelyregulatedbythegovernment.B)Itwillcontinuetogrowwithinnovationsintechnology.C)Itwilldeclineastraditionalbanksdominatethemarket.D)Itwillfocusoninternationalexpansion.選詞填空（15題，每題2分，共30分）Instructions:Belowaresentenceswithablank.Choosethemostappropriatewordfromthelistbelowtocompleteeachsentence.Eachwordcanbeusedonlyonce.WordBank:1.innovation2.regulatory3.digital4.stability5.competitiveness6.strategies7.capital8.security9.challenges10.globally11.financial12.banking13.technological14.talent15.transformationSentence1:Therapid__________infintechhasreshapedthe__________sectorinChina.A)innovation,financialB)regulatory,bankingC)digital,technologicalD)stability,competitiveSentence2:Tomaintain__________,Chinesebanksmustadopteffective__________andriskmanagementmeasures.A)competitiveness,strategiesB)capital,securityC)innovation,regulatoryD)transformation,digitalSentence3:The__________bankingsectorinJinanbenefitsfromstronggovernmentsupportand__________infrastructure.A)financial,digitalB)banking,technologicalC)fintech,competitiveD)regulatory,stabilitySentence4:Cybersecurity__________isagrowingconcernforfinancialinstitutionsintheageof__________connectivity.A)challenges,digitalB)security,technologicalC)innovation,globalD)stability,financialSentence5:ManyChinesebanksareinvestingin__________toattractskilled__________andimprovecustomerexperiences.A)strategies,talentB)capital,financialC)innovation,globalD)digital,technologicalSentence6:The__________reformsintroducedbytheChinesegovernmentaimtoenhancethe__________ofthebankingsystem.A)regulatory,stabilityB)digital,competitivenessC)innovation,financialD)talent,transformationSentence7:Fintechcompaniesarecollaboratingwithbankstointroduce__________paymentsolutionsand__________bankingservices.A)digital,financialB)regulatory,securityC)innovation,globalD)stability,technologicalSentence8:The____________________landscapeinChinaishighlycompetitive,withbothdomesticandforeignplayersvyingformarketshare.A)banking,financialB)fintech,digitalC)regulatory,globalD)innovation,technologicalSentence9:Toensurelong-term__________,banksmustaddressfinancial__________andadapttochangingmarketconditions.A)stability,challengesB)competitiveness,regulatoryC)digital,innovationD)security,capitalSentence10:The__________revolutionhastransformedhowbusinessesmanagetheir__________resourcesandoperations.A)technological,financialB)digital,bankingC)regulatory,capitalD)innovation,securitySentence11:TheChinesegovernment’s__________policiesaredesignedtopromote__________developmentinthebankingsector.A)financial,digitalB)regulatory,innovationC)banking,globalD)technological,competitivenessSentence12:__________bankingisbecomingincreasinglyimportantasmorecustomerspreferonlinetransactionsovertraditionalmethods.A)Fintech,digitalB)Financial,regulatoryC)Banking,technologicalD)Innovation,globalSentence13:Chinesebanksmustinvestin__________tomitigaterisksandensure__________inthefaceofeconomicuncertainties.A)security,stabilityB)innovation,competitivenessC)regulatory,financialD)digital,technologicalSentence14:The__________integrationofAIandbigdataisrevolutionizingthewaybanksanalyzecustomer__________andpersonalizeservices.A)technological,financialB)digital,bankingC)regulatory,globalD)innovation,securitySentence15:Thefutureofthe__________sectorinChinadependsonitsabilitytoembrace__________andovercome__________.A)banking,digital,challengesB)financial,innovation,stabilityC)fintech,regulatory,competitivenessD)technological,global,security答案及解析英語閱讀理解答案及解析Passage1(5題)1.B解析：文章第一句明確指出，銀行業(yè)轉(zhuǎn)型的主要驅(qū)動力是技術(shù)進步和監(jiān)管改革。2.B解析：文章第二句提到中國銀行業(yè)監(jiān)督管理委員會（CBRC）負責(zé)監(jiān)督中國銀行業(yè)，因此B是正確答案。3.B解析：文章第三句提到，數(shù)字時代的主要挑戰(zhàn)是網(wǎng)絡(luò)安全風(fēng)險。4.C解析：文章第四句提到招商銀行（ChinaMerchantsBank）是數(shù)字銀行領(lǐng)域的領(lǐng)導(dǎo)者。5.C解析：文章最后一句暗示中國銀行業(yè)將繼續(xù)適應(yīng)技術(shù)和監(jiān)管變化，因此C是正確答案。Passage2(5題)6.C解析：文章第二句提到濟南作為區(qū)域企業(yè)的金融中心，因此C是正確答案。7.B解析：文章第二句明確指出，濟南政府為銀行業(yè)專業(yè)人士提供住房補貼和稅收減免。8.B解析：文章第三句提到濟南靠近工業(yè)區(qū)，支持企業(yè)金融，因此B是正確答案。9.C解析：文章第四句提到濟南的銀行業(yè)面臨其他金融中心的競爭，因此C是正確答案。10.C解析：文章最后一句暗示濟南將保持其區(qū)域金融中心地位并具有增長潛力。Passage3(5題)11.B解析：文章第一句提到，金融科技使金融