2025上海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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2025上海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：主旨概括题（共3题，每题3分）

1.Question(3points):

Readthefollowingpassageandselectthebesttitleforit.

Theriseofdigitalcurrencieshasposedsignificantchallengestotraditionalfinancialregulation.Centralbanksworldwideareexploringthepotentialofissuingdigitalcurrenciestoenhancemonetarypolicyeffectivenessandfinancialstability.However,regulatoryframeworksmustaddressissuessuchasprivacy,cross-bordertransactions,andcybersecurity.TheEuropeanUnion,forinstance,hasproposedaregulatoryframeworkfordigitalcurrencies,emphasizinginteroperabilityandconsumerprotection.Meanwhile,theU.S.FederalReserveisconductingpilotprogramstotestthefeasibilityofcentralbankdigitalcurrencies(CBDCs).Thesedevelopmentssuggestaparadigmshiftinthefutureofmoneyandfinancialregulation.

Answer:

TheEvolutionofFinancialRegulationintheDigitalAge

Explanation:Thepassagediscussestheimpactofdigitalcurrenciesonfinancialregulation,focusingoncentralbankseffortstoadaptpolicies,challengesfaced,andregionalregulatoryresponses(EUandU.S.).Thetitleencapsulatesthesethemescomprehensively.

2.Question(3points):

Basedonthepassagebelow,whatisthecentralargument?

Financialinclusionremainsacriticalissueindevelopingeconomies,particularlyinruralareaswheretraditionalbankingservicesarescarce.Mobilebankingandmicrofinancehaveemergedaseffectivesolutions,enablingaccesstofinancialservicesforunderservedpopulations.However,digitalliteracyandinfrastructuregapspersistasbarriers.Governmentsandinternationalorganizationsarecollaboratingtopromotefinancialeducationandexpandinternetconnectivity.Despiteprogress,disparitiesinaccessunderscoretheneedforsustainedeffortstoensureequitablefinancialparticipation.

Answer:

TheRoleofTechnologyinExpandingFinancialInclusion

Explanation:Thep