工商銀行白銀市平川區(qū)2025秋招筆試英語閱讀＋選詞題專練30題及答案一、英語閱讀理解（15題，每題2分，共30分）1.TheImpactofDigitalBankingonRuralFinancialServicesinChinaDigitalbankinghastransformedthefinanciallandscapeinChina,particularlyinruralareaslikePingchuanDistrict,wheretraditionalbankinginfrastructurehasbeenlimited.ThePeople'sBankofChinareportedthat85%ofruralhouseholdsnowaccessfinancialservicesthroughdigitalplatforms,reducingtheneedforphysicalbranches.However,challengessuchasinternetconnectivityanddigitalliteracyremainsignificantbarriers.Localbanks,includingICBC,havelaunchedtargetedinitiativestoeducateresidentsonusingmobilebankingapps.Theseeffortshaveimprovedfinancialinclusionbutalsoraisedconcernsaboutcybersecurityrisks.WhatisthemainchallengementionedfordigitalbankingadoptioninruralChina?A)Highcostsofdigitalinfrastructure.B)Limitedinternetconnectivityanddigitalliteracy.C)Increasedcompetitionfromforeignbanks.D)Governmentrestrictionsonfinancialtechnology.2.EconomicDevelopmentinPingchuanDistrictPingchuanDistrict,locatedinBaiyinCity,hasseensteadyeconomicgrowthoverthepastdecade.Thedistrict’sgovernmenthasfocusedondevelopingitsagriculturalsectorwhilediversifyingitseconomy.Keyindustriesincludelivestockfarming,mining,andlightmanufacturing.ArecentstudybytheBaiyinDevelopmentResearchInstitutefoundthatforeigndirectinvestmenthasincreasedby30%since2020,largelyduetofavorabletaxpolicies.However,environmentaldegradationfromminingactivitiesremainsaconcern.Thedistrictisnowimplementingstricterregulationstoprotectlocalecosystems.WhichsectorhasseenthemostsignificantgrowthinPingchuanDistrict?A)Realestatedevelopment.B)Miningandlightmanufacturing.C)Tourismandhospitality.D)Retailande-commerce.3.ICBC’sGreenFinanceInitiativesIndustrialandCommercialBankofChina(ICBC)hasbeenattheforefrontofgreenfinanceinitiativesinChina.InBaiyin,ICBChasprovidedspecializedloanstorenewableenergyprojects,includingwindandsolarfarms.Theseprojectshavenotonlyreducedcarbonemissionsbutalsocreatedjobsinthelocalcommunity.A2024reportbyICBCrevealedthattheirgreencreditportfoliohasgrownby50%overthepastthreeyears.Thebankhasalsopartneredwithlocaluniversitiestodevelopsustainablefinanceprograms.WhathasbeentheprimaryoutcomeofICBC’sgreenfinanceefforts?A)Increasedprofitsfromrenewableenergyinvestments.B)Reductionincarbonemissionsandjobcreation.C)Expansionoftheirphysicalbranchnetwork.D)Decreasedcompetitionfromrivalbanks.4.TheRoleofSmallandMediumEnterprises(SMEs)inPingchuan’sEconomySmallandmediumenterprises(SMEs)arethebackboneofPingchuanDistrict’seconomy,accountingfor70%ofprivatesectorjobs.However,SMEsfacechallengessuchaslimitedaccesstofinancingandhighoperatingcosts.TheBaiyinMunicipalGovernmenthasintroducedaSMEsupportfundtoaddresstheseissues.Accordingtothedistrict’sstatisticsbureau,thefundhashelpedover200businessessecureloanssinceitsinception.Despitetheseefforts,manySMEsstillstrugglewithmarketcompetitionfromlargercorporations.WhatisthemainissuefacedbySMEsinPingchuan?A)Lackofskilledlabor.B)Limitedaccesstofinancingandhighoperatingcosts.C)Overregulationbylocalauthorities.D)Decliningconsumerdemand.5.TheFutureofTransportationinBaiyinCityBaiyinCityisplanningtoexpanditspublictransportationsystemtoreducetrafficcongestionandimproveairquality.Thecitygovernmenthasapprovedanewmetrolinethatwillconnectmajorindustrialzoneswithresidentialareas.Additionally,electricbusesarebeingintroducedindowntownareas.A2025transportationstudypredictsthatthesechangescouldcutcarbonemissionsby20%withinfiveyears.However,theprojectfacesdelaysduetofundingshortages.Localbusinessesareurgingthegovernmenttoexpeditetheconstructionprocess.WhatistheprimarygoalofBaiyinCity’stransportationexpansion?A)Toincreaserevenuefrompublictransportfares.B)Toreducetrafficcongestionandimproveairquality.C)Toattractmoretouriststothecity.D)Toreplacealltraditionalvehicleswithelectricones.6.ICBC’sCorporateSocialResponsibility(CSR)inRuralChinaIndustrialandCommercialBankofChina(ICBC)haslaunchedseveralCSRprogramsinruralChina,includingPingchuanDistrict.Theseprogramsfocusoneducation,healthcare,andpovertyalleviation.In2024,ICBCdonated10millionyuantobuildanewprimaryschoolinaremotevillage.Thebankhasalsotrainedlocalhealthcareworkerstoimprovemedicalservices.A2025evaluationofICBC’sCSRinitiativesfoundthatover50,000peoplehavebenefitedfromtheseprograms.WhichareahasseenthemostsignificantimpactfromICBC’sCSRefforts?A)Businessdevelopment.B)Educationandhealthcare.C)Environmentalconservation.D)Infrastructureconstruction.7.TheEffectsofClimateChangeonAgricultureinBaiyinClimatechangehasposedsignificantchallengestoagricultureinBaiyin,particularlyinPingchuanDistrict,wherefarmingistheprimaryeconomicactivity.Frequentdroughtsandfloodshavereducedcropyields,forcingmanyfarmerstoabandontraditionalfarmingmethods.Thegovernmenthasintroduceddrought-resistantseedsandimprovedirrigationsystemstomitigatetheseissues.A2024agriculturalreportbytheBaiyinAcademyofSciencespredictsthatthesemeasurescouldincreasecropyieldsby15%withinthreeyears.WhatisthebiggestthreattoagricultureinPingchuanDistrict?A)Soilerosion.B)Reducedwateravailability.C)Pestinfestations.D)Decreasedgovernmentsubsidies.8.TheGrowthofE-CommerceinRuralChinaE-commercehasrevolutionizedretailinruralareaslikePingchuanDistrict,providingfarmerswithnewmarketsfortheirproducts.Localbusinesseshaveembracedonlineplatforms,sellingagriculturalgoods,handicrafts,andhandmadetextiles.A2024reportbytheChinaE-commerceResearchCenterfoundthatrurale-commercesaleshavegrownby40%since2020.However,logisticalchallengessuchaspoortransportationnetworksremainabarrier.Thegovernmentisworkingonimprovingrurallogisticstosupportfurthergrowth.Whatisthemainadvantageofe-commerceforruralbusinesses?A)Lowerproductioncosts.B)Widermarketaccess.C)Reducedcompetitionfromlargeretailers.D)Governmentsubsidiesforonlinesales.9.TheImportanceofFinancialLiteracyinRuralChinaFinancialliteracyiscrucialforruralresidentsinPingchuanDistrict,wheremanylackaccesstobankingservices.ThePeople’sBankofChinahaslaunchedaprogramtoeducatefarmersonmanagingsavings,loans,andinsurance.A2024surveyfoundthat60%ofparticipantsreportedimprovedfinancialmanagementskillsaftertheprogram.Localbanks,includingICBC,havealsoorganizedworkshopstopromotefinancialliteracy.Theseeffortsaimtoreducepovertyandempowerruralcommunities.WhatistheprimaryobjectiveoffinancialliteracyprogramsinruralChina?A)Toincreasebankdeposits.B)Toreducerelianceoninformallenders.C)Topromoteinvestmentinrealestate.D)Toencourageconsumptionofluxurygoods.10.TheRoleofTechnologyinImprovingRuralEducationTechnologyhastransformededucationinPingchuanDistrict,whereschoolslacktraditionalresources.Thegovernmenthasprovidedlaptopsandinternetaccesstostudents,enablingthemtoparticipateinonlineclasses.A2024studybytheBaiyinEducationDepartmentfoundthattheseinitiativeshaveimprovedstudentperformanceby20%.However,poweroutagesandlimitedconnectivitystillposechallenges.Thegovernmentisworkingonrenewableenergysolutionstoaddressthisissue.Whathasbeenthemostsignificantimpactoftechnologyonruraleducation?A)Increaseddropoutrates.B)Improvedstudentperformance.C)Reducedteachersalaries.D)Decreasedparentalinvolvement.11.TheChallengesofWaterConservationinBaiyinWaterscarcityisagrowingconcerninBaiyin,especiallyinPingchuanDistrict,whereagricultureishighlydependentonirrigation.Thecitygovernmenthasimplementedwater-savingmeasures,suchasdripirrigationsystems,toreducewaterconsumption.A2024environmentalreportbytheBaiyinWaterAuthorityfoundthatthesemeasureshavesavedover10millioncubicmetersofwaterannually.However,industrialpollutionandunsustainablefarmingpracticescontinuetodegradewaterquality.Thegovernmentisnowenforcingstricterenvironmentalregulations.WhatisthebiggestobstacletowaterconservationinBaiyin?A)Limitedwaterinfrastructure.B)Industrialpollutionandunsustainablefarming.C)Highcostsofwater-savingtechnologies.D)Lackofpublicawareness.12.TheImpactofTourismonPingchuan’sEconomyTourismhasbecomeagrowingsectorinPingchuanDistrict,attractingvisitorswithitsnaturallandscapesandculturalheritage.Thedistrictgovernmenthasinvestedintourisminfrastructure,suchashotelsandscenicspots.A2024tourismreportbytheBaiyinStatisticsBureaufoundthattouristspendinghasincreasedby35%since2020.However,over-tourismhasledtoenvironmentaldegradationandstrainedlocalresources.Thegovernmentisnowpromotingsustainabletourismpractices.WhatisthemainchallengefacingthetourismindustryinPingchuan?A)Lackoftouristattractions.B)Highoperatingcostsforbusinesses.C)Environmentaldegradationandresourcestrain.D)Decliningtouristinterest.13.TheRoleofBanksinSupportingRuralEntrepreneurshipBanks,includingICBC,playavitalroleinsupportingruralentrepreneurshipinPingchuanDistrict.Thebankhasintroducedmicrofinanceprogramstohelpsmallbusinessownersaccesscapital.A2024reportbyICBCfoundthattheseprogramshaveenabledover1,000entrepreneurstostartorexpandtheirbusinesses.However,highinterestratesandstrictlendingrequirementsremainabarrierformany.Thegovernmentisworkingonpoliciestomakefinancingmoreaccessible.WhathasbeentheprimarybenefitofICBC’smicrofinanceprograms?A)Increasedprofitsforthebank.B)Supportforruralentrepreneurs.C)ExpansionofICBC’sbranchnetwork.D)Reductioninruralunemployment.14.TheEffectsofUrbanizationonRuralLifeinPingchuanUrbanizationhasledtosignificantchangesinPingchuanDistrict,wheremanyresidentshavemovedtocitiesinsearchofbetteropportunities.Thishascausedalaborshortageinruralareasandincreasedpressureontheelderlytoworklonger.Thegovernmenthasintroducedpoliciestoincentivizeyoungpeopletoreturntoruralareas,suchasjobtrainingprogramsandbusinesssupport.A2024sociologicalstudyfoundthattheseinitiativeshaveencouraged15%ofyoungpeopletostayinorreturntoPingchuan.WhatisthebiggestchallengeposedbyurbanizationinPingchuan?A)Reducedgovernmentfundingforruralareas.B)Laborshortagesandagingpopulations.C)Increasedcrimeratesinruralareas.D)Lossofculturalheritage.15.TheImportanceofSustainableEnergyinBaiyinSustainableenergyisessentialforBaiyinCity,particularlyinPingchuanDistrict,whereenergydemandsarerising.Thecitygovernmenthasinvestedinwindandsolarpowerprojectstoreducerelianceonfossilfuels.A2024energyreportbytheBaiyinEnergyBureaufoundthattheseprojectshavereducedcarbonemissionsby25%.However,highinitialcostsandtechnicalchallengesremainabarrier.Thegovernmentisseekinginternationalpartnershipstosupportfurtherdevelopment.WhatistheprimarygoalofBaiyinCity’ssustainableenergyinitiatives?A)Toincreaseenergyprices.B)Toreducecarbonemissionsandenergycosts.C)Toattractforeignenergycompanies.D)Toreplacealltraditionalenergysourceswithrenewableones.二、選詞填空（15題，每題2分，共30分）Instructions:Choosethebestwordtofillineachblank.1.DigitalbankinghasrevolutionizedfinancialservicesinruralChina,but__________remainsasignificantbarrier.A)accessibilityB)affordabilityC)awarenessD)accountability2.ThePingchuanDistrictgovernmenthasfocusedon__________itsagriculturalsectorwhilediversifyingitseconomy.A)developingB)depopulatingC)depletingD)desiring3.ICBC’sgreenfinanceinitiativeshave__________carbonemissionsbutalsocreatedjobsinthelocalcommunity.A)decreasedB)increasedC)concealedD)concentrated4.Smallandmediumenterprises(SMEs)arethe__________ofPingchuanDistrict’seconomy.A)foundationB)frustrationC)failureD)facility5.BaiyinCity’snewmetrolinewill__________majorindustrialzoneswithresidentialareas.A)connectB)confrontC)constructD)contract6.Thegovernmenthasintroduced__________toreducetrafficcongestionandimproveairquality.A)measuresB)marketsC)materialsD)managers7.ICBC’sCSRprogramsinruralChinafocuson__________,healthcare,andpovertyalleviation.A)educationB)entertainmentC)employmentD)energy8.Climatechangehas__________challengestoagricultureinBaiyin,particularlyinPingchuanDistrict.A)presentedB)postponedC)progressedD)prohibited9.E-commercehas__________retailinruralareaslikePingchuanDistrict.A)transformedB)transmittedC)transferredD)transported10.FinancialliteracyiscrucialforruralresidentsinPingchuanDistrict,wheremanylack__________tobankingservices.A)accessB)accidentC)accommodationD)activity11.Technologyhas__________educationinPingchuanDistrict,whereschoolslacktraditionalresources.A)revolutionizedB)restrictedC)recommendedD)remained12.WaterscarcityisagrowingconcerninBaiyin,especiallyinPingchuanDistrict,whereagricultureishighly__________onirrigation.A)dependentB)dependentC)dependentD)dependent13.TourismhasbecomeagrowingsectorinPingchuanDistrict,attractingvisitorswithits__________landscapesandculturalheritage.A)naturalB)artificialC)urbanD)rural14.Banks,includingICBC,playavitalroleinsupportingrural__________inPingchuanDistrict.A)entrepreneurshipB)educationC)employmentD)entertainment15.Thegovernmentisseeking__________tosupportfurtherdevelopmentofsustainableenergyinBaiyin.A)partnershipsB)penaltiesC)pressuresD)provisions答案及解析一、英語閱讀理解答案及解析1.B)Limitedinternetconnectivityanddigitalliteracy.解析：文章第二段明確