郵儲銀行2025榆林市秋招筆試英語題專練及答案一、單選題（共10題，每題1分）（注：選項涉及銀行業(yè)務、榆林地域文化、經濟發(fā)展等主題）1.WhatistheprimaryroleofthePostandSavingsBankinruralfinancialservices?A.Providinghigh-interestloansforbusinessesB.Supportingsmall-scalefarmingandruralinfrastructuredevelopmentC.OfferingonlysavingsaccountswithminimalservicesD.Focusingexclusivelyonurbancommercialbanking2.WhichofthefollowingisakeychallengeforfinancialinclusioninYulin,ShaanxiProvince?A.HighliteracyratesamongthelocalpopulationB.LimitedinternetconnectivityinremoteareasC.AbundantgovernmentsubsidiesforfarmersD.Excessivecompetitionfromprivatebanks3.TheYulingovernmentrecentlypromotedthedevelopmentofthe[coal-to-oilandgas]industry.Thispolicyisexpectedto.A.Reducethecity’sdependenceoncoalB.IncreaseunemploymentinruralareasC.DecreaseforeigntradedependenceD.Leadtohigherinflationrates4.Whatdoestheterm"creditscore"typicallyindicateinabankingcontext?A.TheamountofsavingsacustomerhasB.ThelikelihoodofacustomerrepayingaloanC.ThefrequencyoftransactionsatATMsD.Theinterestrateonasavingsaccount5.Whichofthefollowingbankingproductsismostsuitableforalong-termsavingsgoal?A.Ahigh-interestcheckingaccountB.Acertificateofdeposit(CD)witha3-yeartermC.AmoneymarketaccountD.Ashort-termfixeddeposit6.InYulin,whatpercentageofthepopulationreliesonagricultureforincome?A.20%B.35%C.50%D.65%7.The"YulinEnergyBase"projectaimsto.A.PromotetourismintheregionB.DiversifythelocaleconomybeyondenergyC.IncreaserelianceontraditionalfarmingD.Reducethecity’scarbonfootprint8.WhichbankingserviceismostbeneficialforsmallbusinessesinruralYulin?A.OnlinebankingwithlimitedcustomersupportB.OverdraftfacilitieswithflexiblerepaymenttermsC.High-feetransactionaccountsD.Mandatoryannualaudits9.Whatisthesignificanceofthe"YulinInternationalTradeFair"?A.ItprimarilyfocusesondomestictradeB.ItpromotesexportopportunitiesforlocalmanufacturersC.ItisexclusivelyforbankingsectornetworkingD.Ittargetsonlyforeigninvestors10.HowdoesthePostandSavingsBanktypicallysupportsmall-scalefarmersinYulin?A.Byofferingonlyhigh-interestloansB.ThroughmicrofinanceprogramsandsubsidiesC.BylimitingcreditaccesstopreventrisksD.Byencouragingrelianceontraditionalbankingproducts二、閱讀理解（共2篇，共10題，每題2分）Passage1ThePostandSavingsBankofChinahasbeenexpandingitsruralbankingservicesinYulin,ShaanxiProvince,toaddressfinancialexclusionintheregion.Yulin,knownforitsrichcoalandenergyresources,hasasignificantruralpopulationthatlacksaccesstotraditionalbanking.Thebankhasintroducedmobilebankingunitsanddigitalplatformstoreachremotevillages.Theseinitiativesaimtoprovidefarmerswithaccesstocredit,savings,andinsuranceproductstailoredtotheirneeds.Additionally,thebankhaspartneredwithlocalgovernmentstopromotefinancialliteracyprograms,helpingvillagersunderstandthebenefitsofbankingservices.Thiseffortalignswiththenationalstrategytoachieveuniversalfinancialinclusionby2025.However,challengessuchaslowinternetconnectivityinsomeareasandresistancetodigitalbankingamongolderpopulationsremain.Thebankplanstoaddresstheseissuesthroughtrainingandinfrastructuredevelopment.Questions:1.WhatisthemainpurposeofthePostandSavingsBank’sinitiativesinYulin?A.ToincreaseprofitsthroughruralbankingB.TopromotefinancialinclusioninunderservedareasC.ToreplaceprivatebanksintheregionD.Tofocussolelyonenergysectorclients2.Whichofthefollowingisachallengethebankfacesinexpandingitsservices?A.HighdemandforurbanbankingservicesB.LimitedgovernmentsupportC.ResistancetodigitalbankingD.Excessivecompetitionfromotherruralbanks3.Howdoesthebankplantoovercomelowinternetconnectivityissues?A.ByreducingthenumberofmobilebankingunitsB.ThroughpartnershipswithtelecomcompaniesC.Byencouragingcash-basedtransactionsD.Byrelyingsolelyongovernmentsubsidies4.Whatdoesthepassagesuggestaboutthenationalfinancialinclusionstrategy?A.ItprioritizesurbanoverruraldevelopmentB.Itaimstouniversalizebankingaccessby2025C.Itfocusesonlyonenergy-richregionsD.Itexcludestraditionalbankingproducts5.Whatisthesignificanceofthebank’spartnershipwithlocalgovernments?A.ItensureshigherfeesforbankingservicesB.ItpromotesfinancialliteracyamongvillagersC.ItrestrictsaccesstoonlygovernmentemployeesD.ItincreasesregulatoryoversightonthebankPassage2Yulin’seconomyhastraditionallyreliedoncoalmining,butthegovernmenthasbeenpushingfordiversificationtoreduceenvironmentalandeconomicrisks.The"YulinEnergyBase"projectaimstoshiftthecity’sfocustowardcleanerenergysources,includingsolarandwindpower.Thistransitionhascreatednewopportunitiesforbusinessesandinvestorsinrenewableenergysectors.However,ithasalsoledtojoblossesintraditionalcoalmines,promptingthegovernmenttoimplementretrainingprogramsforaffectedworkers.ThePostandSavingsBankhasplayedaroleinsupportingthesechangesbyofferingloanstorenewableenergystartupsandprovidingfinancialadvicetotransitioningindustries.Whiletheshiftisgradual,expertsbelieveitwillmakeYulinmoresustainableinthelongterm.Challengesremain,suchassecuringfundingforrenewableprojectsandattractingskilledworkerstotheregion.Questions:6.Whatistheprimarygoalofthe"YulinEnergyBase"project?A.ToexpandcoalminingoperationsB.TopromotecleanerenergysourcesC.ToincreaserelianceonforeigninvestmentsD.Toreducegovernmentsubsidiesforenergy7.HowhastheenergytransitionaffectedcoalworkersinYulin?A.IthaseliminatedmostcoalminingjobsB.IthasprovidednewopportunitiesinrenewableenergyC.IthasforcedmanyworkerstoretireearlyD.Ithasledtohigherwagesincoalmines8.WhatrolehasthePostandSavingsBankplayedinsupportingtheenergytransition?A.Ithasrestrictedloanstocoal-relatedindustriesB.IthasfocusedonprovidingsocialwelfareprogramsC.IthassupportedrenewableenergybusinessesD.Ithasencouragedtraditionalbankingdominance9.Whataresomeofthechallengesthecityfacesintransitioningtocleanerenergy?A.LackofgovernmentfundingB.LimitedskilledlaborC.HighdemandforcoalproductsD.Excessiveenvironmentalregulations10.WhatdoesthepassagesuggestaboutYulin’sfutureeconomicdirection?A.ItwillremainheavilydependentoncoalB.ItwillfocusonsustainableenergydevelopmentC.ItwillprioritizeurbanoverruraleconomiesD.Itwillfaceeconomicstagnationduetoenergyshift三、完形填空（共1篇，共10空，每空1分）TheRoleofFinancialInclusioninRuralDevelopmentRuralareasoftenface[1]accesstofinancialservices,whichcanhindereconomicgrowth.ThePostandSavingsBankhastakenstepstoaddressthisissueinYulin,ShaanxiProvince.Bydeploying[2]bankingunitsanddigitalplatforms,thebankhasmadeiteasierforfarmerstoaccesscreditandsavingsproducts.Theseinitiativeshavenotonlyimprovedfinancialliteracyamongvillagersbutalso[3]localbusinessestoexpand.Additionally,thebankhaspartneredwiththegovernmenttoprovide[4]forsmall-scalefarmers,helpingtheminvestinmodernfarmingtechniques.However,challengessuchas[5]remain.Thebankhasrespondedbyofferingtrainingprogramstohelpvillagersadapttodigitalbanking.Thiseffortalignswiththegovernment’sgoalof[6]universalfinancialinclusionby2030.AsYulincontinuestodevelop,theroleofbanksin[7]ruraleconomiesbecomesincreasinglyimportant.ThePostandSavingsBank’sinitiativesdemonstratehowfinancialinclusioncandrivesustainablegrowth.By[8]theseprograms,thebankhashelpedbridgethegapbetweenurbanandruraldevelopment.However,moreworkisneededtoensurethatallruralresidentscanbenefitfromtheseservices.The[9]ofinfrastructureandeducationwillbekeytofurtheringfinancialinclusionintheregion.Ultimately,[10]accesstofinancialservicescantransformruraleconomiesandimprovethelivelihoodsofmillions.WordsforBlankFilling:1.limited2.mobile3.enabled4.subsidies5.lowinternetconnectivity6.achieving7.supporting8.expanding9.development10.inclusive四、翻譯題（共2題，每題5分）1.TranslatethefollowingintoEnglish:郵儲銀行通過提供小額信貸和農業(yè)保險，有效支持了榆林農村地區(qū)的經濟發(fā)展。2.TranslatethefollowingintoChinese:TheYulingovernmenthasimplementedpoliciestoencouragethedevelopmentofrenewableenergyprojects,aimingtoreducethecity’srelianceonfossilfuels.五、寫作題（共1題，10分）Topic:"TheImportanceofFinancialInclusionforRuralDevelopmentinYulin"Instructions:Writeashortessay(150-200words)discussinghowfinancialinclusioncanbenefitruraleconomiesinYulin,ShaanxiProvince.IncludeexamplesofPostandSavingsBank’sinitiativesandchallengesfacedinexpandingfinancialservices.答案及解析一、單選題答案1.B2.B3.A4.B5.B6.B7.B8.B9.B10.B解析:1.B-ThePostandSavingsBankprimarilysupportsruralfinancialservicesbyprovidingloansandsavingsoptionstailoredtofarmersandsmallbusinesses.2.B-LimitedinternetconnectivityinremoteareasisamajorbarriertofinancialinclusioninYulin.3.A-Thecoal-to-oilandgaspolicyaimstoreducecoaldependenceanddiversifytheeconomy.4.B-Acreditscorereflectsacustomer’srepaymenthistoryandcreditworthiness.5.B-Acertificateofdeposit(CD)isidealforlong-termsavingsduetoitsfixedinterestrate.6.B-Yulinhasasignificantruralpopulation(35%)reliantonagriculture.7.B-TheYulinEnergyBasepromoteseconomicdiversificationbeyondenergy.8.B-Overdraftfacilitieshelpsmallbusinessesmanagecashflow.9.B-Thefairpromotesexportopportunitiesforlocalmanufacturers.10.B-Microfinanceprogramsandsubsidiessupportsmall-scalefarmers.二、閱讀理解答案Passage11.B2.C3.B4.B5.B解析:1.B-Thebank’smaingoalistoexpandfinancialservicestounderservedruralareas.5.B-Partnershipswithgovernmentspromotefinancialliteracy.Passage26.B7.B8.C9.B10.B解析:6.B-Theprojectaimstoshifttowardcleanerenergysources.10.B-Financialinclusioncantransformruraleconomies.三、完形填空答案1.limited2.mobile3.enabled4.subsidies5.lowinternetconnectivity6.achieving7.supporting8.expanding9.development10.inclusive四、翻譯題答案1.English:ThePostandSavingsBankhaseffectivelysup