中國銀行衡水市故城縣2025秋招筆試英語閱讀理解題專練30題及答案題型一：細(xì)節(jié)理解題（5題，每題2分）說明：每題考查文章中的具體信息，需準(zhǔn)確定位并理解。1.Passage1TheChineseBankofCommunications,headquarteredinBeijing,hasbeenexpandingitsruralfinancialservicesinHebeiProvincesince2023.Arecentreporthighlightsthatthebankhasestablished15newbranchesinGuchengCounty,aregionknownforitsagriculturaleconomy.Thesebranchesfocusonprovidingmicro-loansandagriculturalinsurancetolocalfarmers.Theinitiativeaimstosupportthemodernizationofruralindustrieswhileensuringfinancialstabilityforsmall-scaleproducers.Question:HowmanynewbrancheshasthebankestablishedinGuchengCounty?Answer:152.Passage2ThelocalgovernmentofGuchengCountyhasintroducedapolicytoencouragedigitalbankingadoptionamongresidents.Accordingtothepolicy,residentswhousemobilebankingservicesforatleastsixmonthswillreceivea10%discountonpropertytax.Thebankhaspartneredwiththegovernmenttopromotethisscheme,offeringfreetrainingsessionsforelderlycitizens.Theprogramhasalreadyseena30%increaseindigitalbankingregistrationssinceitslaunchinJune.Question:Whatistheincentiveforresidentsusingmobilebankingservices?Answer:A10%discountonpropertytax3.Passage3ThebankhaslaunchedaspecialsavingsaccountforruralworkersinGuchengCounty,offeringhigherinterestratescomparedtotraditionalaccounts.Theaccountalsoincludesalifeinsurancecomponent,providingfinancialprotectionfortheworkers'familiesincaseofemergencies.Theinitiativeispartofthebank'sbroaderstrategytoimprovefinancialinclusioninunderservedareas.Initialfeedbackfromtheprogramshowsa25%participationrateamongeligibleworkers.Question:Whatadditionalbenefitdoesthesavingsaccountprovide?Answer:Lifeinsurance4.Passage4GuchengCountyhasahighpopulationofelderlyfarmerswhostrugglewithaccessingtraditionalbankingservices.Thebankhasdeployedmobilebankingvanstoremotevillages,allowingresidentstoconducttransactionswithouttravelinglongdistances.Thevansareequippedwithbasicbankingtoolsandarestaffedbytrainedpersonneltoassistindigitaltransactions.Thisservicehasreducedtheaveragetransactiontimeby50%forelderlyclients.Question:Whatproblemdoesthemobilebankingvansolveforelderlyfarmers?Answer:Lackofaccesstotraditionalbankingservices5.Passage5ThebankhassignedaMemorandumofUnderstanding(MOU)withtheGuchengCountyAgriculturalDevelopmentCorporationtosupportruralentrepreneurship.Undertheagreement,thebankwillprovidelow-interestloanstofarmerswhowanttostartsmallbusinesses,suchasfarmcooperativesoragri-tourismprojects.Thepartnershipaimstodiversifythecounty'seconomybeyondtraditionalagriculture.Earlyresultsindicatethat12projectshavealreadyreceivedfundingthroughthisprogram.Question:Howdoesthebanksupportruralentrepreneurs?Answer:Byprovidinglow-interestloans題型二：主旨概括題（5題，每題2分）說明：每題考查文章的中心思想，需理解文章的整體內(nèi)容。6.Passage6TheChineseBankofCommunicationshasbeenactivelyinvestinginthedigitaltransformationofruralbankingservicesinHebeiProvince.Throughtheestablishmentofnewbranches,mobilebankinginitiatives,andpartnershipswithlocalgovernments,thebankhassignificantlyimprovedfinancialaccessibilityforruralcommunities.Thearticleemphasizesthebank'scommitmenttomodernizingruralfinancewhileaddressingtheuniquechallengesfacedbyfarmersandsmallbusinesses.Question:Whatisthemainfocusofthepassage?Answer:Thebank'seffortstoimproveruralfinancialservices7.Passage7GuchengCountyhasbeenfacingdecliningagriculturalproductivityduetoagingfarmingpopulationsandlimitedaccesstomoderntechnology.ThelocalgovernmentandtheChineseBankofCommunicationshavecollaboratedtolaunchapilotprogramthatprovidesfarmerswithsubsidiesforadoptingsmartfarmingtechniques.Theprogramincludestrainingonusingdronesforcropmonitoringandautomatedirrigationsystems.Preliminarydatashowsa15%increaseincropyieldsinparticipatingfields.Question:Whatisthecentralthemeofthepassage?Answer:Improvingagriculturalproductivitythroughtechnology8.Passage8TheChineseBankofCommunicationshasintroducedanewcreditscoringsystemtailoredforruralborrowersinGuchengCounty.Unliketraditionalsystems,thismodelconsidersfactorssuchasfarmingexperience,communityinvolvement,anddigitalbankingusage.Thebankclaimsthatthesystemreducesbiasesagainstsmall-scalefarmersandincreasesloanapprovalrates.Earlyresultsshowthat40%ofapplicantswhowerepreviouslyrejectednowqualifyforloans.Question:Whatistheprimarypurposeofthenewcreditscoringsystem?Answer:Toprovidefairerloanaccessforruralborrowers9.Passage9TheGuchengCountygovernmenthaslaunchedacampaigntopromotefinancialliteracyamongresidents,particularlyinruralareas.Thecampaignincludesworkshops,onlineresources,andmobilebankingdemonstrations.TheChineseBankofCommunicationshascontributedbyofferingfreefinancialplanningconsultations.Surveysindicatethat60%ofparticipantshaveimprovedtheirsavingshabitsaftertheprogram.Question:Whatisthemaingoalofthefinancialliteracycampaign?Answer:Toeducateresidentsonbetterfinancialmanagement10.Passage10ThebankhasimplementedagreenfinanceinitiativeinGuchengCounty,encouragingfarmerstoadopteco-friendlypractices.Loansareavailableforprojectssuchasorganicfarming,solar-poweredirrigation,andwastemanagementsystems.Theprogramaimstoreducetheenvironmentalimpactofagriculturewhileboostingsustainability.Over200farmershavealreadybenefitedfromtheseloans,withareported20%reductioninchemicalusage.Question:Whatisthekeyfocusofthegreenfinanceinitiative?Answer:Promotingsustainableagriculturalpractices題型三：推理判斷題（5題，每題2分）說明：每題考查文章隱含的信息，需結(jié)合上下文進(jìn)行推斷。11.Passage11TheChineseBankofCommunicationshasobservedagrowingdemandfordigitalbankingservicesamongruralresidentsinGuchengCounty.Tomeetthisdemand,thebankhasincreaseditsinvestmentinmobileappfunctionality,includingfeatureslikevoiceassistantsforelderlyusers.Thebank’sCEOnoted,“Ourgoalistomakebankingasaccessibleaspossibleforeveryone,regardlessoftheirtechliteracy.”Question:Whatcanbeinferredaboutthebank'sfutureplans?Answer:Thebankwillcontinueexpandingdigitalbankingservices.12.Passage12AstudyconductedbytheGuchengCountyStatisticalBureaufoundthatruralhouseholdswithaccesstomicro-loanshavehigherdisposableincomescomparedtothosewithout.TheChineseBankofCommunicationshascitedthisstudyinjustifyingitsmicrofinanceprograms.Thebankarguesthatsuchinitiativescontributetopovertyreductionandeconomicstabilityinruralareas.Question:Whatdoesthepassagesuggestaboutthebank'smicrofinanceprograms?Answer:Theyareeffectiveinimprovingrurallivelihoods.13.Passage13ThelocalgovernmentofGuchengCountyhasexpressedsatisfactionwiththebank’sruralbankinginitiatives,notingadeclineincashtransactionsinruralareassincethelaunchofdigitalservices.Thebankhasrespondedbyofferingincentivesfordigitalpayments,suchascashbackrewards.ThisshiftreflectsabroadertrendinChinatowardreducingrelianceonphysicalcurrency.Question:Whatdoesthepassageimplyaboutthefutureofruralbanking?Answer:Digitaltransactionswillbecomemoreprevalent.14.Passage14TheChineseBankofCommunicationshaspartneredwithagriculturaluniversitiestoprovidetrainingforruralworkersonfinancialmanagementandentrepreneurship.Theprogramincludesworkshopsonbudgeting,investment,andbusinessplanning.Participantshavereportedincreasedconfidenceinmanagingtheirfinancesafterthetraining.Question:Whatcanbeinferredaboutthebank'sroleinruraldevelopment?Answer:Thebankisactivelyinvestinginhumancapitaldevelopment.15.Passage15AreportbytheHebeiProvincialRuralDevelopmentOfficehighlightsthebank’seffortstosupportsmall-scalefarmersthroughtargetedfinancialservices.Thebankhasintroducedaloanprogramspecificallyforfarmerswhowanttodiversifytheirincomesources,suchasbystartingsidebusinesses.Theprogramhasseenhighparticipationrates,with35%ofapplicantsbeingwomen.Question:Whatdoesthepassagesuggestaboutthebank’sapproachtoruralfinance?Answer:Thebankisinclusiveandsupportiveofsmall-scalefarming.題型四：詞匯理解題（5題，每題2分）說明：每題考查對文章中重點(diǎn)詞匯的理解。16.Passage16TheChineseBankofCommunicationshasbeenexpandingitspresenceinGuchengCounty,establishingnewbranchestoservethegrowingdemandforfinancialservices.Thebank’sstrategyhasbeenpraisedforitscomprehensiveapproachtoruralfinance.Question:Whatdoes“expanding”meaninthiscontext?Answer:Increasingthenumberofbranches.17.Passage17Thebankhasimplementedasubsidizedsavingsaccountforlow-incomefarmers,aimingtoencouragesavingsamongthemostunderservedpopulations.Theinitiativehasbeensuccessful,witha30%depositrateincreaseinthetargetedcommunities.Question:Whatdoes“subsidized”imply?Answer:Theaccountoffersfinancialincentives.18.Passage18TheGuchengCountygovernmenthasinitiatedapilotprogramtopromotedigitalbankingadoption,recognizingtheimportanceofmodernizingfinancialservicesforruralresidents.Theprogramincludesfreetrainingsessionsfortech-savvyindividuals.Question:Whatdoes“initiated”meanhere?Answer:Launchedanewprogram.19.Passage19Thebank’sinnovativeapproachtocreditscoringhassetanewstandardinruralfinance,reducingbiasesagainstsmall-scalefarmers.Thesystemconsidersfactorssuchasfarmingexperienceandcommunityinvolvement.Question:Whatdoes“innovative”suggest?Answer:Thecreditscoringsystemisnewandunique.20.Passage20Thebankhascollaboratedwithagriculturalexpertstodevelopagreenfinanceprogram,encouragingfarmerstoadoptsustainablepractices.Theinitiativehasbeenpraisedforitsenvironmentallyfriendlyimpact.Question:Whatdoes“collaborated”imply?Answer:Workedtogetherwithothers.題型五：作者態(tài)度題（5題，每題2分）說明：每題考查作者對文章主題的立場或情感。21.Passage21TheChineseBankofCommunicationshasbeenpraisedforitseffortstoimprovefinancialinclusioninGuchengCounty.Localfarmershavereportedbetteraccesstoloansanddigitalbankingservices,whichhasboostedtheirlivelihoods.Thebank’sinitiativeshavebeendescribedas“transformative”byruraldevelopmentexperts.Question:Whatistheauthor’sattitudetowardthebank’sinitiatives?Answer:Positive.22.Passage22AreportbytheGuchengCountyAgriculturalDevelopmentCorporationhighlightsthechallengesfacedbyruralfarmers,suchasagingpopulationsandlimitedaccesstotechnology.Whileacknowledgingthebank’ssupport,thereportalsocriticizestheslowpaceofchangeinsomeruralareas.Question:Whatistheauthor’sattitudetowardthebank’sefforts?Answer:Mixed.23.Passage23ThelocalgovernmentofGuchengCountyhasexpresseddissatisfactionwiththeChineseBankofCommunications’digitalbankingcampaign,arguingthatitdoesnotaddresstherootcausesoffinancialexclusioninruralareas.Thegovernmentcallsformorecomprehensivesolutions.Question:Whatistheauthor’sattitudetowardthebank’scampaign?Answer:Negative.24.Passage24Agriculturalexpertshavecommendedthebank’sgreenfinanceinitiativeforpromotingsustainablefarmingpractices.Theprogramhasbeencreditedwithreducingenvironmentaldegradationinthecounty.Theexpertsurgethebanktoexpandtheinitiativetootherregions.Question:Whatistheauthor’sattitudetowardthebank’sprogram?Answer:Supportive.25.Passage25TheChineseBankofCommunicationshaslaunchedanewcreditscoringsystemforruralborrowers,whichhasbeenmetwithmixedreactions.Whilesomefarmersappreciatethefairerassessment,othersworryaboutthecomplexityofthesystem.Question:Whatistheauthor’sattitudetowardthecreditscoringsystem?Answer:Neutral.答案與解析1.Answer:15解析:文章明確提到“thebankhasestablished15newbranchesinGuchengCounty.”2.Answer:A10%discountonpropertytax解析:文章指出“residentswhousemobilebankingservicesforatleastsixmonthswillreceivea10%discountonpropertytax.”3.Answer:Lifeinsurance解析:文章說明“theaccountalsoincludesalifeinsurancecomponent.”4.Answer:Lackofaccesstotraditionalbankingservices解析:文章提到“mobilebankingvanstoremotevillages,allowingresidentstoconducttransactionswithouttravelinglongdistances,”addressingtheproblemoflimitedaccess.5.Answer:Byprovidinglow-interestloans解析:文章說明“thebankwillprovidelow-interestloanstofarmerswhowanttostartsmallbusinesses.”6.Answer:Thebank'seffortstoimproveruralfinancialservices解析:文章強(qiáng)調(diào)銀行在農(nóng)村金融服務(wù)方面的現(xiàn)代化舉措，如新網(wǎng)點(diǎn)、移動銀行和政府合作。7.Answer:Improvingagriculturalproductivitythroughtechnology解析:文章聚焦于政府與銀行合作推廣智能農(nóng)業(yè)技術(shù)，提升作物產(chǎn)量。8.Answer:Toprovidefairerloa