国考金融监管局专业科目英语阅读与金融文献理解题库.docxVIP

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国考金融监管局专业科目《英语阅读与金融文献》理解题库

题型一：主旨大意题（共3题，每题2分）

题目1（2分）：

Passage:

TheBankofInternationalSettlements(BIS)recentlyreleasedareporthighlightingthegrowingrisksintheglobalbankingsector,particularlyinemergingmarkets.Thereportemphasizestheneedforstrictercapitalrequirementsandliquiditystandardstopreventsystemiccrises.CentralbanksinEuropeandAsiahavebeenadoptingthesemeasures,butsomeregulatorsintheUnitedStatesarguethatthepaceistooslow.TheBISalsowarnsabouttheriseofshadowbanking,whichcouldexacerbatefinancialinstabilityifnotproperlysupervised.

Question:Whatisthemainfocusofthepassage?

A)TheeconomicpoliciesoftheUnitedStates.

B)Therisksintheglobalbankingsectorandregulatoryresponses.

C)TheactivitiesofshadowbankinginEurope.

D)ThecapitalrequirementsforcentralbanksinAsia.

答案与解析：

答案：B

解析：本文的核心内容是讨论全球银行业面临的系统性风险以及各国监管机构的应对措施。选项A、C、D仅涉及部分内容，未概括全文主旨。选项B准确反映了文章的中心思想。

题目2（2分）：

Passage:

TheEuropeanCentralBank(ECB)hasintroducednewguidelinestostrengthenthesupervisionofbanksintheEurozone.Theseguidelinesaimtoreducenon-performingloansandimproveriskmanagementpractices.AccordingtotheECB,manybanksintheregionarestillstrugglingwithlegacyissuesfromthe2008financialcrisis.TheECBalsoplanstoenhancestresstestingtoensurebankscanwithstandeconomicdownturns.However,somecriticsarguethatthemeasuresmaystiflelendinggrowthintheshortterm.

Question:WhatistheprimarypurposeoftheECB’snewguidelines?

A)TostimulateeconomicgrowthintheEurozone.

B)Toreducenon-performingloansandimproveriskmanagement.

C)ToincreasestresstestingforallEuropeanbanks.

D)Toaddresslegacyissuesfromthe2008crisis.

答案与解析：

答案：B

解析：文章明确指出，ECB新指南的主要目的是降低不良贷款并提升风险管理能力。选项A、C、D虽在文中提及，但并非核心目标。选项B最符合主旨。

题目3（2分）：

Passage:

ThePeople’sBankofChina(PBOC)hasimplementedstrictercontrolsonbanks’loan-to