2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(5卷)

2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(5卷)2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(篇1)【题干1】Whatisthecorrecttensetoexpressanactionthatstartedinthepastandisstillcontinuingnowwithemphasisontheongoingnature?【选项】A.Shehasworkedasabranchmanagerforthreeyears.B.Shehasbeenworkingasabranchmanagerforthreeyears.C.Sheworkedasabranchmanagerthreeyearsago.D.Shewasworkingasabranchmanagerthreeyearsago.【参考答案】B【详细解析】现在完成进行时（havebeenworking）强调动作从过去持续到现在，且可能仍在进行。A选项缺少进行时态，C选项用一般过去时，D选项时态与时间状语（threeyearsago）矛盾。【题干2】Whichsentencecorrectlyusesthesubjunctivemoodtoexpressahypotheticalsituation?【选项】A.IfIwereyou,Iwouldinvestinbonds.B.IfIhadknown,Iwouldhavecalled.C.Isuggestthathebepromoted.D.Sheseemstobesatisfied.【参考答案】A【详细解析】虚拟语气在条件句中用于非真实或假设情境。A选项正确使用“were”表达与事实相反的假设。B选项为错综条件句，需用过去完成时（hadknown）。C选项建议用虚拟语气（suggestthatsb+bedone）。D选项为现在进行时表推测，非虚拟语气。【题干3】Choosethesentencewiththecorrectnon-finiteverbform.【选项】A.Hesuggestedgoingtothebanktodepositmoney.B.Afterfinishinghomework,shewatchedamovie.C.Byimprovingservice,thebankcanattractmorecustomers.D.Themanageraskedmewhytheprojectwasdelayed.【参考答案】C【详细解析】非谓语动词作状语时，C选项“improving”为动名词，引导结果状语，逻辑主语与主句一致。A选项“going”为现在分词，但“suggest”后接不定式（suggestdoing）。B选项“finishing”为过去分词，表被动（afterbeingfinished）。D选项“why”引导宾语从句，需用疑问词从句。【题干4】Whichprepositionisusedtoindicatearelationshipofsimilarity?【选项】A.betweenB.inC.forD.among【参考答案】A【详细解析】固定搭配“between”用于两者之间的比较（betweenbanksandcustomers）。B选项“in”表地点或范围，C选项“for”表目的或对象，D选项“among”用于三者或更多。【题干5】Whatisthebestwaytoexpressademandinaformalbusinessemail?【选项】A.Weneedyoutosendthereportbytomorrow.B.Pleasesendthereporttomorrow.C.Wehopeyoucansendthereportbytomorrow.D.Kindlysendthereportbytomorrow.【参考答案】D【详细解析】正式邮件中需使用礼貌请求句式。“Kindly”是固定用语，D选项最符合商务英语规范。A选项直接但缺乏礼貌，B选项过于简洁，C选项“hope”语气较弱。【题干6】Whichphraseindicatesacause-effectrelationship?【选项】A.AsaresultB.IncontrastC.ForexampleD.However【参考答案】A【详细解析】“asaresult”明确表示结果，如：“Theinterestrateadjustmentcausedcustomerinquiriestorise.”B选项表对比，C选项举例，D选项表转折。【题干7】Whatisthegrammaticalfunctionoftheunderlinedpartinthesentence:"Thefactthattheloanapplicationwasrejectedsurprisedeveryone"?【选项】A.SubjectB.ObjectC.AdverbialphraseD.Nounclause【参考答案】D【详细解析】“thattheloanapplicationwasrejected”为名词性从句，作主语，说明“被拒绝的事实”。A选项为主语中心词“fact”，C选项为副词短语修饰动词，B选项不适用。【题干8】Whichsentenceusesthecorrectcomparativedegree?【选项】A.Thisbank'sserviceismoreefficientthanothers.B.Thisbank'sserviceismoreefficientthantheothers.C.Thisbank'sserviceismoreefficientthananyother.D.Thisbank'sserviceismoreefficientthanallothers.【参考答案】C【详细解析】最高级“anyother”用于比较三者或以上，强调“比所有其他选项都更优”。A选项“others”指代不明确，B选项“theothers”指特定对象，D选项“allothers”语法正确但非最佳选项。【题干9】Whatisthecorrectwaytoexpressapasteventthathadaneffectonthepresent?【选项】A.Themeeting,whichstartedat9AM,lastedthreehours.B.Themeetingstartedat9AMandlastedthreehours.C.Themeeting,havingstartedat9AM,lastedthreehours.D.Themeeting,whichhadstartedat9AM,lastedthreehours.【参考答案】D【详细解析】现在分词短语表过去动作对现在的影响需用完成式。D选项“hadstarted”表示过去动作对后续动作的铺垫。A选项用一般过去时，B选项无逻辑衔接，C选项“havingstarted”为独立主格结构，需补充主语。【题干10】Whichsentencecorrectlyusesthepassivevoice?【选项】A.Thereportwaswrittenbytheteam.B.Theteamwrotethereport.C.Thereportwritingwasdonebytheteam.D.Theteamdidthereportwriting.【参考答案】A【详细解析】被动语态强调受事者，A选项符合“waswrittenby”结构。B选项主动语态正确但不符合被动要求。C选项“reportwriting”为不可数名词，D选项结构冗余且非被动。【题干11】Whatisthemeaningoftheidiom"breaktheice"?【选项】A.AvoidconflictB.StartaconversationC.EndameetingearlyD.Increasesales【参考答案】B【详细解析】“breaktheice”指打破僵局或开启对话。A选项“avoidconflict”对应“avoidawkwardness”，C选项“endameeting”对应“closeadeal”，D选项与金融无关。【题干12】Whichsentenceusesthecorrectsuperlativedegreewith"themost"?【选项】A.Thisisthemostpopularbankintheregion.B.Thisismorepopularthanotherbanks.C.Thisisthemostpopularintheregion.D.Thisisthemostpopularbankthanothers.【参考答案】A【详细解析】最高级“themost+形容词”修饰名词，A选项正确。C选项省略“bank”导致歧义，B选项用比较级，D选项比较级结构错误。【题干13】Whatisthegrammaticalerrorinthesentence:"Thecommitteesuggestedincreasingtheinterestrate,whichwouldattractmoredeposits"?【选项】A.MissingcommaB.IncorrecttenseC.UnnecessaryrelativepronounD.Inconsistentsubject【参考答案】C【详细解析】非限制性定语从句需用逗号隔开，且“which”指代“interestrateincrease”时逻辑主语不一致（委员会建议，但利率调整吸引存款）。改为“thatwouldattract”或删除“which”。【题干14】Whichsentencecorrectlyusesthepresentperfecttense?【选项】A.Shehasdepositedmoneyinthebankthisweek.B.Shedepositedmoneyinthebankthisweek.C.Shehasbeendepositingmoneyinthebankthisweek.D.Shewasdepositingmoneyinthebankthisweek.【参考答案】A【详细解析】现在完成时强调过去动作对现在的影响，A选项符合“hasdeposited”结构。B选项用一般过去时，C选项用现在完成进行时，D选项时态错误。【题干15】Whatisthebestwaytoexpressarecommendationinabusinesscontext?【选项】A.Werecommendyoutoinvestinbonds.B.Itisrecommendedthatyouinvestinbonds.C.Youshouldinvestinbonds.D.Wesuggestinvestinginbonds.【参考答案】B【详细解析】正式建议用虚拟语气或建议结构。B选项“itisrecommendedthat”为规范商务用语，C选项“should”较随意，A选项“recommend”后接不定式，D选项为动名词结构。【题干16】Whichsentenceusesthecorrectparticipleclause?【选项】A.Beingalocalbank,weunderstandcustomerneeds.B.Havingdepositedthemoney,sheleftthebank.C.Depositthemoneyfirst,thenwithdraw.D.Themoneybeingdeposited,sheleft.【参考答案】A【详细解析】现在分词短语表原因，A选项“Beingalocalbank”作状语，逻辑主语一致。B选项“havingdeposited”为完成式，需接完成时动词（shehadleft）。C选项为祈使句，D选项“beingdeposited”表被动，逻辑主语不明确。【题干17】Whatisthemeaningofthephrase"onthesamepage"?【选项】A.ReachanagreementB.StartaprojectC.IncreaseefficiencyD.Endacontract【参考答案】A【详细解析】“onthesamepage”指双方理解一致。B选项对应“startaproject”，C选项“increaseefficiency”对应“streamlineprocesses”，D选项与金融无关。【题干18】Whichsentencecorrectlyusesthepresentcontinuoustense?【选项】A.Thebankisholdingapromotionthisweek.B.Thebankwillholdapromotionthisweek.C.Thebankheldapromotionthisweek.D.Thebankhasheldapromotionthisweek.【参考答案】A【详细解析】现在进行时表将来计划或临时安排，A选项正确。B选项用将来时，C选项用一般过去时，D选项用现在完成时。【题干19】Whatisthebestwaytoexpressapercentageincreaseinareport?【选项】A.Thedepositincreasedby15%.B.Thedepositincreasedto15%.C.Thedepositincreasedat15%.D.Thedepositincreasedfor15%.【参考答案】A【详细解析】“increaseby”表示增加的绝对值，“increaseto”表示达到的值。C选项“at”多用于速度或温度，D选项“for”表时间。【题干20】Whichsentenceusesthecorrectconditionaltype2structure?【选项】A.IfIamrich,Iwilldonatetocharity.B.IfIhadbeenrich,Iwoulddonate.C.IfIwererich,Iwoulddonate.D.IfIwillberich,Iwilldonate.【参考答案】C【详细解析】条件二（虚拟条件句）用“if+过去式，主句用would+动词原形”。C选项正确。A选项用一般现在时表假设，B选项为错综条件句（hadbeen对应woulddonate），D选项时态错误。2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(篇2)【题干1】Allthestudents______tothelibraryby9a.m.yesterday.A.weresentB.hadbeensentC.wouldbesentD.hadsent【参考答案】B【详细解析】主句动作发生在昨天的9点前，且主句是过去完成时，从句需用过去完成时表先于主句的时间关系。B选项正确。【题干2】IfI______you,I______adifferentcareer.A.were;wouldhavetakenB.was;wouldtakeC.hadbeen;wouldhavetakenD.hadbeen;wouldtake【参考答案】A【详细解析】虚拟语气中，与现在事实相反用过去式，从句动词需用倒装结构（were/hadbeen）。主句用wouldhavetaken体现与过去事实相反的假设。【题干3】Thebook______onthetableismine.A.lyingB.liedC.liesD.lying【参考答案】A【详细解析】lie作形容词时表“平躺”，修饰名词需用现在分词作后置定语，即lyingonthetable。lie作动词时过去式为过去分词，但此处需用形容词。【题干4】Bytheendof2024,scientists______acureforthedisease.A.willhavediscoveredB.woulddiscoverC.wouldhavediscoveredD.willdiscover【参考答案】A【详细解析】bytheendof2024表示未来某时点前完成的动作，需用将来完成时。B选项时态错误，C选项主句与从句逻辑关系不符。【题干5】IfI______you,I______toaskforhelp.A.didn'tknow;wouldhaveaskedB.didn'tknow;wouldaskC.hadknown;wouldhaveaskedD.hadknown;wouldask【参考答案】C【详细解析】与过去事实相反需用过去完成时表条件，主句用wouldhavedone。若用一般过去时（asked）则表示过去实际发生，与虚拟语气矛盾。【题干6】Themanagerislookingforsomeone______canhandlebothaccounts.A.whoB.whomC.thatD.which【参考答案】C【详细解析】非限制性定语从句修饰不可数名词或介词短语时，用which替代关系代词。此处“handlebothaccounts”是介词短语，故用which。【题干7】Itisimportant______weallworktogether.A.thatB.whenC.howD.where【参考答案】A【详细解析】it作形式主语时，that引导真正主语从句，且从句中缺少主语，不能用when（表时间）或where（表地点）。【题干8】Hewastootired______continuethework.A.toB.forC.withD.of【参考答案】A【详细解析】固定搭配too...to...表“太...而不能”，后接动词原形。B选项for接名词，C选项with接名词，D选项of接形容词。【题干9】Themuseumis______the18thcentury,______theartifactsarefromtheTangDynasty.A.built;whichB.built;thatC.built;thatD.built;where【参考答案】D【详细解析】where引导定语从句修饰地点，此处指博物馆的位置，从句中缺少介词，用where引出。C选项that不能引导定语从句。【题干10】Thereport______bythedepartmentwasfulloferrors.A.composedB.composedC.composingD.composing【参考答案】B【详细解析】过去分词表被动，修饰名词“report”需用过去分词作后置定语。A选项composed作动词，C/D为现在分词。【题干11】By2025,______80%ofthepopulationwillliveincities.A.itispredictedB.itispredictedthatC.predictD.predicting【参考答案】B【详细解析】it作形式主语时，that引导真正主语从句，从句中需有完整谓语。B选项结构完整，C/D缺少主语。【题干12】Themeeting______at3p.m.wascanceledduetothestorm.A.startedB.startC.startedD.starts【参考答案】C【详细解析】过去分词表被动，修饰名词“meeting”需用过去分词作后置定语。A选项start是动词原形，B/D为现在时态。【题干13】Shesuggested______themeetinguntilfurthernotice.A.delayingB.todelayC.delayD.delayingit【参考答案】B【详细解析】suggest后接动词原形时，若宾语是“that从句”，需用不定式；若宾语是动词，需用“动词+宾语+todo”。此处直接接动词，选不定式。【题干14】Thebook______isontheshelfisabestseller.A.lyingB.liedC.liesD.lying【参考答案】A【详细解析】lie作形容词表“平躺”，需用现在分词作后置定语。lie作动词时，过去式为过去分词，但此处需用形容词。【题干15】Ifyou______moreattentiontogrammar,yourwritingwillimprove.A.paidB.payC.wouldpayD.paid【参考答案】B【详细解析】虚拟语气中，条件句用过去式表与现在事实相反，但若主句用would/could/might等情态动词，条件句需用现在式。此处主句无情态动词，B选项正确。【题干16】Thecompany______in2005hasgrownrapidlyinthepastdecade.A.establishedB.establishedC.establishedD.establishing【参考答案】B【详细解析】过去分词表被动，修饰名词“company”需用过去分词作后置定语。A选项establish作动词，D为现在分词。【题干17】Themanager,______thereportwassubmitted,praisedtheteam.A.whoB.whomC.thatD.which【参考答案】B【详细解析】who引导非限制性定语从句修饰人，whom作宾语。此处从句缺少宾语，用whom。【题干18】Bythetimewearrived,theconference______foranhour.A.startedB.hadstartedC.startedD.wouldstart【参考答案】B【详细解析】过去完成时表动作在另一个过去动作之前完成。主句“arrived”发生在过去，从句“started”需用过去完成时。【题干19】Theteacheraskedthestudents______questionsintheexam.A.toanswerB.answeringC.answeredD.answeringto【参考答案】B【详细解析】asksbtodosth后接不定式，但若主句是祈使句或过去式，需用现在分词作后置定语。此处主句为过去式，B选项正确。【题干20】Theproject,______budgetwasincreasedby20%,wasfinallyapproved.A.whoseB.thatC.whichD.what【参考答案】A【详细解析】whose引导定语从句修饰“budget”，从句中缺少代词，用whose。C选项which修饰物，但此处需表所属关系。2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(篇3)【题干1】Whichofthefollowingsentencesisgrammaticallycorrect?A.Shehasalreadyfinishedherhomework,butshestillfeelsnervous.B.Shehasfinishedherhomework,butshefeelsnervous.C.Shehasfinishedherhomework,andshefeelsnervous.D.Shefinishedherhomework,butshefeelsnervous.【参考答案】A【详细解析】正确答案为A。句子需用现在完成时描述已完成的动作（hasfinished）与当前状态（feelsnervous）的对比，且but连接两个并列分句，需保持时态一致。B选项缺少时间状语"already"，C选项and连接两个独立分句但逻辑不连贯，D选项误用过去时。【题干2】Thereportsuggeststhatclimatechangewillsignificantlyimpactagriculturalproductivity,especiallyindevelopingcountries.Whatisthemainpurposeofthissentence?A.Tosummarizeastudy'sfindingsB.TopredictfuturetrendsC.TorecommendpolicychangesD.Tocompareeconomicregions【参考答案】A【详细解析】正确答案为A。主句"thereportsuggests"表明这是对研究报告结论的转述，而非直接预测（B）或提出建议（C）。虽然提到developingcountries，但句子核心是总结研究报告内容，而非区域比较（D）。【题干3】Bythetimewearrivedatthestation,thetrainhadalreadydeparted.Whichtensecombinationisusedhere?A.PresentPerfectandPastSimpleB.PresentPerfectandPresentContinuousC.PastSimpleandPastContinuousD.PastPerfectandPastContinuous【参考答案】D【详细解析】正确答案为D。"haddeparted"是过去完成时，表示在另一个过去动作（wearrived）之前已发生的动作。PastContinuous（正在进行的过去动作）不符合语境，因为火车已离开而非持续停留。【题干4】Thecommitteewillmeettomorrowtodiscusstheproposedbudget.Whichprepositionisusedcorrectly?A.ForB.InC.AtD.On【参考答案】C【详细解析】正确答案为C。"meetat"用于具体地点（如会议室），而"discussthebudget"是抽象议题。A选项（for）表示目的，B选项（in）多用于地点或范围，D选项（on）通常搭配日期或表面。【题干5】Alleffortstoresolvethedisputehavebeeninvain.Whatdoes"invain"meaninthiscontext?A.WithoutsuccessB.ForalongtimeC.InsecretD.Withenthusiasm【参考答案】A【详细解析】正确答案为A。"invain"固定短语意为"徒劳地"，强调徒劳无益的结果。B选项（长时间）需搭配"foralongtime"，C选项（秘密地）用"secretly"，D选项（热情地）用"enthusiastically"。【题干6】Thestudyindicatesthatemployeeswithflexibleworkinghoursreporthigherjobsatisfaction.Whichconjunctionismostappropriatetolinktheseideas?A.BecauseB.ThereforeC.AlthoughD.Unless【参考答案】B【详细解析】正确答案为B。"Therefore"用于因果逻辑，连接研究结论（indicates）与结果（reporthighersatisfaction）。A选项（because）需后接原因，C选项（although）表转折，D选项（unless）表假设条件。【题干7】Themanageremphasizedtheimportanceofteamworkinachievingorganizationalgoals.Whichwordisusedtoexpressstrongemphasis?A.StressB.HighlightC.MentionD.Ignore【参考答案】B【详细解析】正确答案为B。"highlight"意为"强调"，常用于正式场合的演讲或报告。A选项（stress）可作动词但更口语化，C选项（mention）表提及，D选项（ignore）表忽视。【题干8】Despitethechallenges,theprojectwascompletedaheadofschedule.Whichadverbmodifiestheverb"completed"?A.ActuallyB.FinallyC.InitiallyD.Partially【参考答案】B【详细解析】正确答案为B。"finally"表示经过努力后完成，符合"despitechallenges"的语境。A选项（actually）表事实与印象差异，C选项（initially）表最初计划，D选项（partially）表未完成。【题干9】Thedatacollectedduringtheexperimentwillbeanalyzedusingstatisticalmethods.Whichphraseindicatestheintendedaction?A.DuringtheexperimentB.AftertheexperimentC.BeforetheexperimentD.Whiletheexperiment【参考答案】A【详细解析】正确答案为A。"during"表示动作在实验期间持续进行，与"collected"（收集数据）的时间一致。B选项（after）表实验后分析，C选项（before）表实验前收集，D选项（while）表同时进行但需搭配进行时。【题干10】Thecompany'srecentdecisiontoexpandintonewmarketshasbeenmetwithemployeeskepticism.Whichwordconveysanegativereaction?A.ApprovalB.ResistanceC.EncouragementD.Optimism【参考答案】B【详细解析】正确答案为B。"skepticism"（怀疑态度）与"negativereaction"（负面反应）对应，而resistance（抵制）更强调反抗行为。A选项（approval）和C选项（encouragement）表积极态度，D选项（optimism）表乐观预期。【题干11】Thecontractrequiresbothpartiestoadheretotheagreedterms.Whichverbisusedtoexpressstrictcompliance?A.ComplyB.AgreeC.DisagreeD.Deny【参考答案】A【详细解析】正确答案为A。"complywith"（遵守）强调履行义务，符合合同法律文本的正式语境。B选项（agree）表认同但无强制意味，C选项（disagree）表反对，D选项（deny）表否认。【题干12】Theresearchfindingssuggestacorrelationbetweensleepqualityandcognitiveperformance.Whichwordindicatesastatisticalrelationship?A.CausationB.CorrelationC.ComparisonD.Contradiction【参考答案】B【详细解析】正确答案为B。"correlation"（相关性）指统计上的关联，而causation（因果关系）需证明直接导致。C选项（比较）需搭配"between/with"，D选项（矛盾）表对立结论。【题干13】ThecommitteewillreviewtheproposalatitsnextmeetingscheduledfornextFriday.Whichprepositionisusedcorrectly?A.InB.AtC.OnD.For【参考答案】B【详细解析】正确答案为B。"meetat"用于具体地点（如会议室），而"nextFriday"是日期，需用"on"。A选项（in）表在某个范围内，C选项（on）表日期，D选项（for）表目的。【题干14】Thecompanyplanstoimplementanewtrainingprogramtoenhanceemployeeskills.Whichverbindicatesplannedaction?A.HasimplementedB.WillimplementC.ImplementedD.Implementing【参考答案】B【详细解析】正确答案为B。"willimplement"（将实施）表示将来计划，符合"plansto"的语境。A选项（hasimplemented）表已完成，C选项（implemented）是过去式，D选项（implementing）是进行时。【题干15】Themanager'sdecisiontofiretheemployeewascontroversial.Whichadjectivedescribesatopicofdebate?A.UnanimousB.ControversialC.UnprecedentedD.Discreet【参考答案】B【详细解析】正确答案为B。"controversial"（有争议的）直接对应题干"controversial"，强调引发讨论。A选项（一致同意）与语境矛盾，C选项（前所未有的）表独特性，D选项（谨慎的）表行为方式。【题干16】Thefinancialstatementshowsasignificantincreaseinliabilitiescomparedtolastyear.Whichcomparisonstructureisused?A.ComparedwithB.IncomparisontoC.RelativetoD.Inrelationwith【参考答案】A【详细解析】正确答案为A。"comparedwith"（与...相比）是固定搭配，后接同类事物。B选项（incomparisonto）结构正确但较正式，C选项（relativeto）表相关性，D选项（inrelationwith）多用于抽象概念。【题干17】Thestudy'smethodologywascriticizedforitslackofobjectivity.Whichnoundescribesaflawinresearchdesign?A.ValidityB.ReliabilityC.BiasD.Samplesize【参考答案】C【详细解析】正确答案为C。"bias"（偏见）指研究设计中的主观倾向，导致结果不可靠。A选项（有效性）指能否测出真实值，B选项（可靠性）指结果一致性，D选项（样本量）是数量问题。【题干18】Theboardapprovedthebudgetproposalduringthequarterlymeeting.Whichverbindicatesofficialacceptance?A.RatifiedB.EndorsedC.RevisedD.Rejected【参考答案】A【详细解析】正确答案为A。"ratified"（批准）指正式通过，常用于法律或公司决策。B选项（支持）较笼统，C选项（修订）表修改，D选项（否决）表拒绝。【题干19】Thecontract'sexpirationdateisclearlystatedinSection5.Whichadverbmodifiestheverb"stated"?A.ClearlyB.FinallyC.InitiallyD.Partially【参考答案】A【详细解析】正确答案为A。"clearly"（明确地）强调信息表达无歧义，符合合同条款的正式要求。B选项（最终）表时间，C选项（最初）表时间顺序，D选项（部分）表不完整。【题干20】Thecompany'sprofitmargindecreasedby15%year-on-year.Whichphraseindicatesacomparisonbetweentwoperiods?A.ComparedwithB.IncontrasttoC.AscomparedtoD.Relativeto【参考答案】C【详细解析】正确答案为C。"ascomparedto"（与...相比）是正式表达，强调纵向比较（本年度vs去年）。A选项（comparedwith）正确但较口语化，B选项（incontrastto）表对比差异，D选项（relativeto）表相关性而非时间比较。2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(篇4)【题干1】In2025,theJiangsuProvincialRuralCommercialBankwillprioritizecandidateswithexpertiseinwhichofthefollowingareas?【选项】A)UrbanconstructionprojectsB)AgriculturalcreditpoliciesC)DigitalcurrencydevelopmentD)Foreignexchangeregulations【参考答案】B【详细解析】正确答案为B。题目考察金融行业核心领域知识，农业信贷政策是农村商业银行的重点业务方向。选项A涉及城市基建，与农村银行职能关联度低；选项C与当前数字货币监管框架相关，非农村银行招聘核心；选项D属于外汇管理部门职责范畴，正确选项B直接对应农村金融机构业务重点。【题干2】Whichgrammaticalstructureisusedtoexpressahypotheticalsituationinformalbusinessdocuments?【选项】A)PresentperfecttenseB)SecondconditionalclauseC)PassivevoicestructureD)Imperativemood【参考答案】B【详细解析】正确答案为B。第二条件从句（If+过去式,would/could+动词原形）是商务英语中描述假设场景的标准语法结构。选项A用于强调持续到现在的动作，与假设无关；选项C侧重被动语态，不体现条件关系；选项D为命令式，不符合题干语境。【题干3】Thephrase"tobridgethegap"mostappropriatelyreferstowhichstrategicobjective?【选项】A)ExpandingmarketshareB)EnhancingoperationalefficiencyC)OptimizingriskmanagementD)Improvingcustomersatisfaction【参考答案】C【详细解析】正确答案为C。风险管理的核心目标是填补潜在漏洞（bridgethegap），而选项C"优化风险管理"最贴切。选项A侧重市场拓展，B强调流程效率，D关注客户体验，均与风险管理无直接关联。【题干4】InaSWOTanalysis,whichelementiscategorizedasaninternalfactoraffectingorganizationalperformance?【选项】A)CompetitorpricingstrategiesB)RegulatorycompliancerequirementsC)EmployeetrainingprogramsD)Markettrends【参考答案】C【详细解析】正确答案为C。SWOT分析中，内部因素（StrengthsandWeaknesses）包括员工培训等组织内部能力，选项C属于内部优化措施。选项A、D为外部环境因素，B虽属合规要求但通常归类为外部监管压力。【题干5】Whichfinancialindicatorreflectsacompany'sabilitytomeetshort-termobligations?【选项】A)ReturnonAssets(ROA)B)CurrentRatioC)EarningsPerShare(EPS)D)Debt-to-EquityRatio【参考答案】B【详细解析】正确答案为B。流动比率（CurrentRatio=流动资产/流动负债）是衡量短期偿债能力的关键指标。选项A衡量资产使用效率，C反映每股收益，D评估资本结构，均不直接对应短期偿债能力。【题干6】Theterm"liability"inaccountingrefersto:【选项】A)ResourcesownedbythecompanyB)ClaimsagainstthecompanyC)ProfitsgeneratedduringanaccountingperiodD)Increaseinequity【参考答案】B【详细解析】正确答案为B。会计负债指企业对外部的经济责任（claimsagainstthecompany），对应资产负债表右边项目。选项A为资产（leftside），C为利润（收入-费用），D为所有者权益变动。【题干7】WhichofthefollowingisNOTacomponentofacashflowstatement?【选项】A)OperatingactivitiesB)InvestingactivitiesC)FinancingactivitiesD)Inventoryvaluationadjustments【参考答案】D【详细解析】正确答案为D。现金流量表三部分为经营活动、投资活动和筹资活动，D选项库存计价调整属于资产负债表项目，与现金流量无直接关联。【题干8】Inaloanapplication,theterm"collateral"typicallyrefersto:【选项】A)PersonalguaranteesfromshareholdersB)SecurityassetsofferedtosecurealoanC)GovernmentsubsidiesD)Employeebenefitprograms【参考答案】B【详细解析】正确答案为B。抵押品（collateral）指用于担保贷款偿还的实物资产（如房产、设备），选项B准确。选项A为人质担保，C为政府资助，D与贷款担保无关。【题干9】Whichfinancialinstrumentisusedtohedgeagainstcurrencyexchangeratefluctuations?【选项】A)FuturescontractsB)OptionscontractsC)ForwardscontractsD)Swapsagreements【参考答案】A【详细解析】正确答案为A。期货合约（futures）是标准化金融衍生品，专门用于锁定未来汇率。期权（B）提供选择权，远期（C）为定制化合约，掉期（D）主要用于利率风险对冲。【题干10】Theprocessofidentifyingandanalyzingrisksassociatedwithfinancialtransactionsisknownas:【选项】A)AuditingB)RiskassessmentC)InternalcontrolsD)Budgeting【参考答案】B【详细解析】正确答案为B。风险评估（riskassessment）指识别、评估和管理潜在财务风险的系统性流程。选项A为审计监督，C为内部控制流程，D为资金规划，均不直接对应风险识别分析环节。【题干11】Whichaccountingmethodrecordsexpenseswhentheyareincurred,regardlessofpaymenttiming?【选项】A)CashbasisaccountingB)AccrualbasisaccountingC)Double-entrysystemD)Budgetarycontrol【参考答案】B【详细解析】正确答案为B。权责发生制（accrualbasis）要求在交易发生时确认收入和费用，与现金收付时间无关。选项A为收付实现制，C为记账规则，D为预算控制。【题干12】Theterm"underwriting"insecuritiesissuancerefersto:【选项】A)PublicofferingregulationB)Investmentbank'sroleinpricingsharesC)GovernmentapprovalprocessD)Investorsuitabilityevaluation【参考答案】B【详细解析】正确答案为B。承销（underwriting）指投资银行评估标的资产价值并确定发行价格的过程。选项A为上市监管，C为政府审批，D为投资者适当性审查，均非承销核心职能。【题干13】Whichfinancialratiomeasuresacompany'sliquidityposition?【选项】A)Debt-to-EquityRatioB)QuickRatioC)NetProfitMarginD)EarningsGrowthRate【参考答案】B【详细解析】正确答案为B。速动比率（QuickRatio=（流动资产-存货）/流动负债）反映企业短期偿债能力，比流动比率（CurrentRatio）更严格。选项A评估资本结构，C衡量盈利能力，D反映增长潜力。【题干14】InaSWOTanalysis,whichfactorisconsideredastrengthifitprovidesacompetitiveadvantage?【选项】A)HighemployeeturnoverB)StrongbrandrecognitionC)RegulatorychangesD)Marketsaturation【参考答案】B【详细解析】正确答案为B。SWOT分析中，优势（Strengths）指内部积极因素，如品牌认知度（strongbrandrecognition）形成差异化竞争。选项A为人力资源问题，C、D为外部环境威胁。【题干15】Whichfinancialstatementshowsthechangesinequityduringareportingperiod?【选项】A)IncomeStatementB)BalanceSheetC)CashFlowStatementD)StatementofChangesinEquity【参考答案】D【详细解析】正确答案为D。所有者权益变动表（StatementofChangesinEquity）专门记录股本、资本公积等项目的增减变动，而资产负债表（B）仅反映期初期末静态数据。【题干16】Whichaccountingprinciplerequiresexpensestoberecordedwhentheyareincurred,notwhenpaid?【选项】A)MatchingprincipleB)ConsistencyprincipleC)AccrualprincipleD)Goingconcernprinciple【参考答案】A【详细解析】正确答案为A。配比原则（MatchingPrinciple）要求将收入与同期相关成本费用匹配确认，与权责发生制（C选项）共同构成accrualaccounting核心。选项B强调会计政策一致性，D为持续经营假设。【题干17】Theterm"calloption"allowstheholderto:【选项】A)BuysharesatapredeterminedpricewithinaspecificperiodB)SellsharesatastrikepriceifthemarketpricedropsC)ExchangestocksforcashD)Convertbondstoequity【参考答案】A【详细解析】正确答案为A。看涨期权（calloption）赋予持有人在到期前以约定价格买入标的资产的权利。选项B描述看跌期权（putoption）特征，C为股票回购，D为转股权。【题干18】Whichfinancialmetricisusedtoevaluateacompany'soperationalefficiency?【选项】A)ReturnonEquity(ROE)B)InventoryTurnoverRatioC)NetInterestMarginD)EBITDA【参考答案】B【详细解析】正确答案为B。存货周转率（InventoryTurnover）衡量库存资产转化为销售收入的效率，反映运营效率。选项A评估股东回报率，C为净息差，D为息税折旧摊销前利润。【题干19】Theterm"leverage"infinancerefersto:【选项】A)UsingdebttoincreasereturnsB)ReducingoperationalcostsC)DiversifyinginvestmentportfolioD)Implementingbudgetcuts【参考答案】A【详细解析】正确答案为A。财务杠杆（Leverage）指通过举债放大股东收益，典型公式为ROE=净利润/股东权益。选项B为成本控制，C为分散投资，D为紧缩政策。【题干20】WhichofthefollowingisNOTatypeofderivativesecurity?【选项】A)FuturescontractsB)BondETFsC)OptionscontractsD)Swapsagreements【参考答案】B【详细解析】正确答案为B。衍生品（Derivatives）指价值基于基础资产的合约，包括期货（A）、期权（C）、掉期（D）。ETF（交易型开放式指数基金）属于基金产品，非衍生品范畴。2025年江苏省农村商业银行招聘考试（英语）历年参考题库含答案详解(篇5)【题干1】Whenthemanagerannouncedthenewpolicy,someemployeesshowedconfusionbecausethey______nothavereceivedpriornotice.【选项】A.didn'treceiveB.wouldn'treceiveC.haven'treceivedD.wouldn'thavereceived【参考答案】C【详细解析】空格处需填入与现在完成时一致的动词形式，"hadn'treceived"为完成时的否定形式，但题干中主句为过去时，需用现在完成时表动作的持续性。C选项正确，"haven'treceived"表示从过去持续到现在的未收到通知，符合上下文逻辑。其他选项时态或情态动词使用错误。【题干2】Thebookthat______methroughmystudiesisbothinformativeandentertaining.【选项】A.guidedB.guidedmeC.hasguidedD.guidedhas【参考答案】B【详细解析】定语从句中关系代词"that"指代先行词"thebook"，需充当动词"guided"的宾语。B选项"guidedme"符合语法规则，其他选项中C、D缺少宾语，A项缺少关系代词。【题干3】Bythetimewearrivedattheairport,theflight______for30minutes.【选项】A.hadtakenoffB.tookoffC.wastakingoffD.wouldtakeoff【参考答案】A【详细解析】空格处需用过去完成时表动作在另一个过去动作之前完成。主句"arrived"为过去时，"hadtakenoff"正确，表示航班起飞早于到达机场的时间。B、C、D选项时态逻辑错误。【题干4】IfI______you,Iwouldhavestartedtheprojectearlier.【选项】A.hadknownB.knownC.wouldknowD.haveknown【参考答案】A【详细解析】虚拟语气中，与现在事实相反的if从句需用过去完成时，主句用wouldhavedone。A选项"hadknown"符合语法规则，其他选项时态结构错误。【题干5】Themuseum______lastSundaywassoimpressivethatIdecidedtovisititagainthisweek.【选项】A.IvisitedB.IhadvisitedC.visitingD.visited【参考答案】B【详细解析】非限制性定语从句修饰前面整个主句，需用过去完成时表先于主句动作。B选项"hadvisited"正确，其他选项时态或从句类型错误。【题干6】Sheissaidto______afamousauthor,butIdon'tbelieveit.【选项】A.beB.beingC.beenD.is【参考答案】B【详细解析】动词"besaidto"固定搭配后接现在分词表被动含义，B选项"being"正确，其他选项语法结构错误。