郵儲(chǔ)銀行昌都市左貢縣2025秋招筆試英語題專練及答案一、單選題（共10題，每題1分）題目：1.BanksinruralareaslikeZogongCountyoftenneedemployeeswithstrongcommunicationskillstoserveadiverseclientele.Whatdoes"diverseclientele"bestmeaninthiscontext?A)Customerswiththesamefinancialneeds.B)Customerswithvariedbackgroundsandrequirements.C)Customerswhopreferonlinebanking.D)CustomerswhospeakonlyMandarin.2.The郵儲(chǔ)銀行(PSBC)inTibetemphasizessustainability.Whichofthefollowingactionsalignsmostwiththisgoal?A)Offeringhigh-interestloanstoinvestors.B)Promotingeco-friendlyfinancialproducts.C)Increasingbranchclosurestoreducecosts.D)Encouragingcashtransactionsoverdigitalpayments.3.Ifyouareapplyingforapositionatthe郵儲(chǔ)銀行inZogong,whatisthemostimportantqualitytohighlightinyourresume?A)FluencyinEnglish.B)Experienceinbankinginruralareas.C)Prioritizationofwealthaccumulation.D)Strongpreferenceforurbanbanking.4.Whatdoes"asset-liabilitymanagement"meaninthecontextofbanking?A)Managingemployeesefficiently.B)Balancingdepositsandloans.C)Increasingmarketingefforts.D)Reducingbankfees.5.The郵儲(chǔ)銀行oftencollaborateswithlocalgovernmentsinTibet.Whatisalikelybenefitofthispartnership?A)Reducedcompetition.B)Increasedregulatoryoversight.C)Betterservicedeliveryinruralregions.D)Higherprofitmargins.6.Whatistheprimarypurposeofa"customersatisfactionsurvey"inabank?A)Toincreasefees.B)Togatherfeedbackforimprovement.C)Tomonitoremployeeperformance.D)Toattractmorecustomers.7.Inthebankingsector,whatdoes"KYC"standfor?A)KnowYourClient.B)KeyPerformanceIndicator.C)KnowledgeableCustomer.D)凱子（諧音戲稱，但實(shí)際應(yīng)為A）。8.IfabankbranchinZogongCountyintroducesmobilebankingservices,whatisthemostlikelyadvantage?A)Fewercustomersvisitingthebranch.B)Highertransactionfees.C)Improvedaccessforruralclients.D)Reducedneedforbankemployees.9.Whatisa"fixeddeposit"inbanking?A)Aloanwithhighinterest.B)Aninvestmentwithafixedreturn.C)Acreditcardoffer.D)Asavingsaccountwithnointerest.10.The郵儲(chǔ)銀行inTibetfaceschallengesindigitaladoptionduetolowinternetconnectivity.Whatshouldtheyprioritize?A)Expandingonlinebankingfeatures.B)Closingmorephysicalbranches.C)Offeringincentivesfordigitaluse.D)Focusingsolelyonurbancustomers.二、閱讀理解（共2篇文章，每題2分，共10分）題目：Passage1The郵儲(chǔ)銀行inruralTibet,includingZogongCounty,playsacrucialroleineconomicdevelopment.Unlikemajorcommercialbanks,PSBCfocusesonservingsmallbusinessesandfarmers,whooftenlackaccesstofinancialservices.Thebank’sruralbranchesusetraditionalmethodstoverifycustomeridentities,suchasrequiringvillageleaderstoconfirmincomesources.Thisensurescompliancewithanti-moneylaundering(AML)regulationswhilemaintainingtrustinlocalcommunities.However,thebankalsofaceschallengesindigitaltransformation,asmanyruralresidentsareunfamiliarwithonlinebanking.Toaddressthis,PSBChaslaunchedtrainingprogramstoeducatecustomersonmobilemoneytransferanddigitalaccountmanagement.Questions:1.Whatisthemainroleofthe郵儲(chǔ)銀行inruralTibet?A)Tocompetewithcommercialbanks.B)Tosupportsmallbusinessesandfarmers.C)Tofocusonurbanfinancialservices.D)Topromotedigitalbankingonly.2.HowdoesthebankensureAMLcomplianceinruralareas?A)Byimposingstrictpenalties.B)Byrelyingonvillageleaders.C)Byencouragingcashtransactions.D)Bylimitingbranchoperations.3.Whatchallengedoesthebankfaceindigitaladoption?A)Highinternetconnectivity.B)Lackofcustomereducation.C)Excessivegovernmentregulations.D)Lowdemandfordigitalservices.Passage2The郵儲(chǔ)銀行inZogongCountyhasintroducedanewcreditproducttailoredforlocalfarmers.The"AgriculturalGrowthLoan"offersflexiblerepaymenttermsandcompetitiveinterestratestosupportcropcultivationandanimalhusbandry.Thebankalsoprovidesagriculturaladvisoryservices,helpingfarmersimproveproductivity.Forexample,somebrancheshavepartneredwithlocalagriculturalexpertstoconductworkshopsonsustainablefarmingpractices.Thisinitiativehasincreasedloanuptakeamongruralclientsby30%inthepastyear.However,thebankmustbalancecreditgrowthwithriskmanagementtoavoiddefaults.Asaresult,loanapprovalnowincludesstricterincomeverificationandcollateralrequirements.Questions:4.Whatisthepurposeofthe"AgriculturalGrowthLoan"?A)Tofundurbaninfrastructureprojects.B)Tosupportruraleconomicactivities.C)Toencouragedigitalbanking.D)Toreducebankprofits.5.Howhasthebankhelpedlocalfarmers?A)Byofferinghigh-interestloans.B)Bylimitingcreditaccess.C)Byprovidingagriculturaltraining.D)Byclosingruralbranches.6.Whatisachallengethebankfaceswiththisinitiative?A)Highdemandforloans.B)Lowfarmerparticipation.C)Riskofdefaults.D)Excessivegovernmentoversight.三、完形填空（共10空，每空1分，共10分）題目：The郵儲(chǔ)銀行inTibethasadaptedtotheuniquechallengesofruralbanking.(1)__________manyresidentslackformaleducation,thebankhastrainedstafftoexplainfinancialproductsinlocaldialects.(2)__________digitalbankingbecomesmorewidespread,thebankhasintroducedsimplemobileappswithvoice-assistedfeatures.(3)__________,loanofficersvisitremotevillagestoconductfinancialliteracyworkshops.Theseeffortshaveimprovedcustomerengagementandreducedfraud.(4)__________thebankfacescompetitionfromfintechcompanies,itremainsthepreferredchoicefortraditionalbankingservices.(5)__________itprioritizesstabilityoverrapidgrowth,thebankensureslong-termsustainability.(6)__________thegovernmentsupportsruraldevelopment,thebankwillcontinueexpandingitsreach.(7)__________customerstrustthebank’sreliability,depositshaveincreasedby25%inthepastyear.(8)__________thebankintroducesnewtechnologies,itensurestheyalignwithlocalneeds.(9)__________itremainscommittedtoitsmissionofservingtheunderserved.(10)__________thebank’ssuccessreflectsthegrowingimportanceofinclusivefinanceinTibet.Options:A)BecauseB)AlthoughC)AsD)SinceE)WhenF)IfG)WithH)HowI)ButJ)By四、翻譯題（共5題，每題2分，共10分）題目：1.TranslateintoEnglish:"郵儲(chǔ)銀行通過支持小微企業(yè)，為當(dāng)?shù)亟?jīng)濟(jì)注入了活力。"2.TranslateintoChinese:"Thebank’smobilebankingapphasimprovedfinancialinclusionforruralresidents."3.TranslateintoEnglish:"銀行員工定期開展反詐騙宣傳活動(dòng)，以保護(hù)客戶資金安全。"4.TranslateintoChinese:"Tocomplywithfinancialregulations,thebankrequiresdetailedincomedocumentation."5.TranslateintoEnglish:"郵儲(chǔ)銀行致力于在西藏地區(qū)提供普惠金融服務(wù)，確保每個(gè)人都能獲得金融支持。"答案及解析一、單選題答案及解析1.B-解析："Diverseclientele"指的是客戶群體多樣化，包括不同背景和需求的人，故選B。2.B-解析：郵儲(chǔ)銀行強(qiáng)調(diào)可持續(xù)發(fā)展，推廣環(huán)保金融產(chǎn)品符合這一目標(biāo)，故選B。3.B-解析：在左貢縣申請(qǐng)郵儲(chǔ)銀行職位，農(nóng)村地區(qū)銀行經(jīng)驗(yàn)是關(guān)鍵優(yōu)勢(shì)，故選B。4.B-解析：資產(chǎn)負(fù)債管理是指平衡銀行資產(chǎn)和負(fù)債，故選B。5.C-解析：郵儲(chǔ)銀行與地方政府合作，有助于提升農(nóng)村地區(qū)服務(wù)，故選C。6.B-解析：客戶滿意度調(diào)查是為了收集反饋以改進(jìn)服務(wù)，故選B。7.A-解析：KYC是“了解你的客戶”，故選A。8.C-解析：推廣移動(dòng)銀行服務(wù)能方便農(nóng)村客戶，故選C。9.B