新疆2025自考[金融學(xué)]英語（二）主觀題專練題型一：簡答題（共3題，每題10分）1.DiscusstheroleoftheChinaSecuritiesRegulatoryCommission(CSRC)inpromotingfinancialstabilityinXinjiang.Answer:TheChinaSecuritiesRegulatoryCommission(CSRC)playsapivotalroleinmaintainingfinancialstabilityinXinjiangbyimplementingpoliciesthatalignwiththeregion’seconomicdevelopmentgoals.First,theCSRCoverseesthelistingandtradingoflocalcompaniesonstockexchanges,ensuringtransparencyandfairnessincapitalmarkets.Thisincludesstrictcompliancewithregulationstopreventmarketmanipulationandfraud,whichisparticularlyimportantinregionswithrapideconomicgrowth.Second,theCSRCcollaborateswithlocalfinancialinstitutionstopromoteinvestoreducation,especiallytargetingruralandethnicminoritypopulations.Thishelpsinfosteringamoreinformedinvestmentculture,reducingtheriskofspeculativebehavior.Forinstance,inXinjiang,whereagricultureandtourismarekeyindustries,theCSRChaslaunchedprogramstosupportsmallandmedium-sizedenterprises(SMEs)inaccessingcapitalmarkets,therebystimulatingregionaleconomicdiversification.Lastly,theCSRCworkscloselywithotherregulatorybodies,suchasthePeople’sBankofChina(PBOC),tomonitorcross-borderfinancialflowsandmitigatesystemicrisks.InXinjiang,thisiscrucialduetotheregion’sstrategiclocationnearCentralAsia.Byenforcinganti-moneylaundering(AML)measuresandenhancingfinancialsupervision,theCSRChelpssafeguardtheintegrityoftheregion’sbankingandsecuritiessectors.2.ExplainhowtheBeltandRoadInitiative(BRI)hasinfluencedthefinancialsectorinXinjiang.Answer:TheBeltandRoadInitiative(BRI)hassignificantlyimpactedthefinancialsectorinXinjiangthroughincreasedcross-bordertrade,infrastructuredevelopment,andcapitalinflows.First,theBRIhasfacilitatedgreatereconomictiesbetweenXinjiangandCentralAsiancountries,leadingtohigherdemandforbankingandinsuranceservices.Localfinancialinstitutions,suchastheXinjiangProductionandConstructionCorps(XPCC)Bank,haveexpandedtheiroperationstosupportBRI-relatedprojects,offeringspecializedserviceslikeforeignexchangetradingandtradefinance.Second,theinitiativehasspurredinfrastructuredevelopmentinXinjiang,includingports,railways,andenergypipelines.Thishascreatedopportunitiesforinvestmentbankingandprojectfinancing.Forexample,theChinaInternationalCapitalCorporation(CICC)hasplayedakeyroleinfinancingBRIprojectsintheregion,helpingtointegrateXinjiangintoglobalsupplychains.Third,theBRIhasencouragedtheadoptionofdigitalfinancetechnologies.Xinjiang’sfinancialsectorhasseenincreaseduseofblockchainandfintechsolutionstostreamlinecross-borderpaymentsandimproveriskmanagement.Theseadvancementshavenotonlyboostedefficiencybutalsoenhancedfinancialinclusion,particularlyforruralcommunities.3.AnalyzethechallengesfacedbythebankingsectorinXinjiangandproposesolutions.Answer:ThebankingsectorinXinjiangfacesseveralchallenges,includingregionaleconomicdisparities,regulatorycompliance,andcybersecuritythreats.First,theregion’seconomyisheavilyreliantonagricultureandnaturalresources,makingitvulnerabletoglobalcommoditypricefluctuations.BanksinXinjiangmustbalancesupportingtraditionalindustrieswithdiversifyinglendingportfoliostopromotesustainablegrowth.Second,regulatorycomplianceremainsasignificantchallenge,particularlygiventheregion’scomplexsecurityenvironment.Banksmustadheretostrictanti-terrorismandanti-moneylaundering(AML)regulations,whichcanstrainresources.Toaddressthis,financialinstitutionscouldleveragetechnology,suchasAI-drivencompliancesystems,toenhancemonitoringwhilereducingoperationalcosts.Third,cybersecuritythreatshaveintensifiedamidrisingdigitalization.BanksinXinjiangneedtoinvestinrobustcybersecurityframeworkstoprotectagainstdatabreachesandfinancialfraud.Collaboratingwithgovernmentagenciesandprivatetechfirmscanhelpstrengthendefenses.Additionally,improvingfinancialliteracyamonglocalpopulationsiscrucial.Bankscouldpartnerwitheducationalinstitutionstoofferprogramsonmodernbankingpractices,encouraginggreaterparticipationintheformalfinancialsystem.題型二：論述題（共2題，每題15分）4.DiscusstheimportanceoffinancialinclusionforruraldevelopmentinXinjiang.Answer:FinancialinclusionisessentialforruraldevelopmentinXinjiang,asitenablesfarmersandsmallbusinessestoaccesscredit,insurance,andotherfinancialservices.First,accesstocreditallowsruralentrepreneurstoinvestinmodernagriculturaltechniques,suchasdripirrigationandprecisionfarming,whichcansignificantlyboostproductivity.Forexample,microfinanceinstitutionsinXinjianghaveprovidedloanstoethnicminorityfarmers,helpingthemexpandtheiroperationsandimprovelivelihoods.Second,financialinclusionpromoteseconomicdiversificationinruralareas.Byofferinginsuranceproducts,bankscanprotectfarmersagainstlossesduetonaturaldisastersormarketvolatility.Thisstabilityencourageslong-terminvestmentinagricultureandnon-farmbusinesses.Third,digitalbankinginitiativeshaveexpandedfinancialservicestoremoteregions.Mobilebankingapps,supportedbythegovernment,haveenabledruralresidentstoaccesssavingsaccounts,payments,andevendigitalcurrenciesliketheXinjiangDigitalRMB(e-CNY).Thishasreducedrelianceoninformallendersandimprovedfinancialsecurity.Finally,financialinclusionfostersgenderequalityinruralXinjiang.Women,whooftenmanagehouseholdfinances,havegreateraccesstofinancialtools,empoweringthemeconomicallyandsocially.Insummary,financialinclusionisacornerstoneofruraldevelopment,drivingpovertyreductionandsustainablegrowthinXinjiang.5.EvaluatetheimpactofIslamicfinanceonthemodernbankingsysteminXinjiang.Answer:IslamicfinancehasagrowinginfluenceonXinjiang’sbankingsystem,offeringinnovativesolutionsthatalignwithShariacompliancewhilepromotingeconomicgrowth.First,Islamicbankingproducts,suchasMudarabah(profit-sharing)andMusharakah(jointventure),havebeenintroducedtosupportsmallandmedium-sizedenterprises(SMEs)intheregion.Theseinterest-freefinancingmodelsencourageethicalinvestmentandrisk-sharing,benefitingbothbusinessesandthebroadereconomy.Second,IslamicfinancehasstrengthenedfinancialinclusionforMuslimcommunitiesinXinjiang.BanksofferingIslamicbankingservicescatertotheneedsofethnicUyghurpopulations,whoadheretoShariaprinciples.Thishasledtogreatertrustinthefinancialsystemandincreasedparticipationinformalbanking.Third,thegovernment’ssupportforIslamicfinancehasspurredinnovation.TheXinjiangIslamicFinancialCenter,establishedin2020,hasattractedbothdomesticandinternationalinvestors,promotingthedevelopmentofSharia-compliantfinancialproducts.ThishasnotonlydiversifiedXinjiang’sfinancialsectorbutalsopositioneditasahubforIslamicfinanceinChina.However,challengesremain,suchasregulatorycomplexityandmarketawareness.FinancialinstitutionsneedtoeducateclientsaboutIslamicbankingproductstomaximizeadoption.Inconclusion,IslamicfinancehasmadesignificantstridesinXinjiang,contributingtoeconomicdevelopmentwhilerespectingculturalandreligiousvalues.題型三：案例分析題（共1題，20分）6.CaseStudy:TheImpactofDigitalBankingonFinancialLiteracyinKashgar,XinjiangBackground:Kashgar,amajorcityinXinjiang,hasseenrapidadoptionofdigitalbankingservicesinrecentyears.Thegovernmenthaslaunchedinitiativestopromotemobilebankingapps,suchastheXinjiangMobilePaymentPlatform,whichintegrateslocallanguagesandfinancialliteracyprograms.However,someruralcommunitiesstillfacebarrierstodigitaladoptionduetolimitedinternetaccessandlackoffinancialeducation.Question:AnalyzethepositiveandnegativeimpactsofdigitalbankingonfinancialliteracyinKashgar.Proposestrategiestoenhancedigitalbankingaccessibilityandinclusivity.Answer:PositiveImpacts:1.IncreasedFinancialAccessibility:DigitalbankinghasmadefinancialservicesmoreaccessibletoremoteareasofKashgar,enablingreal-timetransactionsandaccountmanagement.Thishasreducedrelianceoninformallendersandimprovedfinancialsecurityforruralresidents.2.EnhancedFinancialLiteracy:Government-ledprograms,suchasworkshopsandmobilebankingtutorials,haveeducatedlocalsonbudgeting,savings,anddigitalpaymentmethods.Forinstance,the"DigitalFinanceforEthnicMinorities"initiativehastrainedover10,000individualsinKashgar.3.EconomicGrowth:Digitalbankinghasfacilitatede-commerceandcross-bordertrade,benefitinglocalbusinesses.SmallmerchantsinKashgarnowusemobilepaymentplatformstoreachcustomersacrossXinjiangandbeyond.NegativeImpacts:1.DigitalDivide:Limitedinternetinfrastructureinruralareashindersdigitalbankingadoption.Manyelderlyorlow-literacyindividualsstruggletousesmartphonesanddigitalapps.2.CybersecurityRisks:Asdigitalbankinggrows,sodocybersecuritythreats.Fraudulentactivitiestargetingruralusershaveincreased,requiringbetterregulatoryoversightandconsumerprotection.3.LanguageBarriers:WhilesomeappsofferUyghurinterfaces,manyruralusersstillprefertraditionalbankingmethodsduetolanguagelimitations.StrategiesforImprovement:1.ExpandInternetInfrastructure:Thegovernmentshouldinvestinruralbroadbandprojectstobridgethedigitaldivide.2.EnhanceFinancialEducation:Schoolsandcommunitycentersshouldofferdigitalliteracyprogramstailoredtolocalneeds,includinghands-ontrainingforelderlyandethnicminorities.3.RegulatorySupport:StrengthenAMLmeasurestocombatfraudwhileensuringuser-friendlydigitalba