郵儲銀行石家莊市辛集市2025秋招筆試英語題專練及答案第一部分：選詞填空（共10題，每題1分，總計(jì)10分）directions:Choosethebestwordtofillineachblankfromthefouroptions.1.Theriseofdigitalbankinghas______traditionalfinancialservices,requiringinstitutionstoadaptquickly.A.revolutionizedB.complicatedC.standardizedD.automated2.Asaruralfinancialinstitution,PostalBankofChinaplaysacrucialrolein______financialservicestounderservedareas.A.deliveringB.distributingC.deployingD.dominating3.Theannualfinancialreportshouldincludedetaileddataon______,assetquality,andprofitability.A.liquidityB.innovationC.regulationD.competition4.Toimprovecustomersatisfaction,thebankmust______itsservicequalityandoperationalefficiency.A.enhanceB.diminishC.maintainD.neglect5.ThenewbranchinXinjiCityisstrategicallylocatedto______thegrowingdemandforbankingservicesintheregion.A.meetB.exceedC.delayD.ignore6.Riskmanagementisessentialforensuringthe______ofthebank’sassetsandoperations.A.stabilityB.growthC.diversityD.flexibility7.Theloanapprovalprocessmustbe______topreventfraudandensurecompliancewithregulations.A.transparentB.complexC.opaqueD.rigid8.Mobilebankingappshave______thewaycustomersinteractwiththeiraccounts,makingtransactionsmoreconvenient.A.transformedB.simplifiedC.complicatedD.standardized9.Thebank’smarketingstrategyshouldfocuson______itsbrandinbothurbanandruralmarkets.A.promotingB.weakeningC.expandingD.limiting10.Theeconomicdownturnhas______thebank’sabilitytogenerateprofits,forcingittotightenitslendingpolicies.A.strengthenedB.weakenedC.stabilizedD.diversified第二部分：閱讀理解（共5題，每題2分，總計(jì)10分）directions:Readthepassagecarefullyandchoosethebestanswerforeachquestion.Passage:Therapiddevelopmentoffintechhasreshapedthebankingindustry,bringingbothopportunitiesandchallenges.ForruralfinancialinstitutionslikePostalBankofChina,embracingdigitaltransformationisnolongeroptionalbutanecessity.Byleveragingbigdata,artificialintelligence,andcloudcomputing,bankscanimproveserviceefficiency,reducecosts,andbettermeettheneedsofruralcustomers.However,theintegrationofnewtechnologiesalsoraisesconcernsaboutdatasecurityandregulatorycompliance.Tosucceedinthisdigitalera,banksmuststrikeabalancebetweeninnovationandriskmanagement.1.Whatisthemainthemeofthepassage?A.Thebenefitsoffintechforurbanbanks.B.Thechallengesofdigitaltransformationforruralfinancialinstitutions.C.Theimportanceofdatasecurityinthebankingindustry.D.Theroleofcloudcomputinginbankingoperations.2.Whyisdigitaltransformationcrucialforruralbanks?A.Toreducecompetitionwithurbanbanks.B.Toimproveservicedeliveryinunderservedareas.C.Toincreaselendingpolicies.D.Toenhanceassetquality.3.Accordingtothepassage,whatarethekeytechnologiesdrivingfintech?A.Blockchainandquantumcomputing.B.Bigdata,AI,andcloudcomputing.C.Mobilebankingande-paymentsystems.D.Cryptocurrencyanddigitalwallets.4.Whatchallengesdoestheintegrationofnewtechnologiesbring?A.Higheroperationalcosts.B.Datasecurityandregulatorycompliance.C.Reducedcustomersatisfaction.D.Decreasedprofitability.5.Whatshouldbanksdotosucceedinthedigitalera?A.Focussolelyontechnologicalinnovation.B.Prioritizeriskmanagementalongsideinnovation.C.Ignoredatasecurityconcerns.D.Expandtheirurbanbranches.第三部分：完形填空（共10題，每題1分，總計(jì)10分）directions:Fillineachblankwiththemostappropriatewordfromthepassage.Lastyear,PostalBankofChinalaunchedanewinitiativeto______(6)ruralcreditservices.Theprogramaimedto______(7)smallfarmersandentrepreneursbyprovidingaffordableloansandfinancialeducation.Accordingtoarecentreport,theinitiativehas______(8)asignificantincreaseinloanapprovalsforruralapplicants.Thebank’ssuccessinthis______(9)highlightsitscommitmenttosupportingtheruraleconomy.However,theprogramalsorevealedtheneedforfurther______(10)toaddressregionaldisparitiesinfinancialaccess.6.A.improveB.ignoreC.expandD.reduce7.A.assistB.discourageC.limitD.oppose8.A.causedB.noticedC.recordedD.anticipated9.A.projectB.challengeC.effortD.policy10.A.investmentB.regulationC.innovationD.adjustment第四部分：翻譯（共5題，每題2分，總計(jì)10分）directions:TranslatethefollowingsentencesintoEnglish.1.郵儲銀行致力于在農(nóng)村地區(qū)提供普惠金融服務(wù)。2.數(shù)字化轉(zhuǎn)型是銀行業(yè)應(yīng)對市場競爭的關(guān)鍵。3.風(fēng)險(xiǎn)管理有助于確保銀行的長期穩(wěn)健發(fā)展。4.為了提高客戶體驗(yàn)，銀行應(yīng)優(yōu)化其服務(wù)流程。5.政府政策對農(nóng)村金融發(fā)展具有重要影響。第五部分：寫作（共1題，10分）directions:Writeashortessay(about150words)onthetopic:"TheImpactofFintechonRuralBanking."答案及解析第一部分：選詞填空1.A(revolutionized:數(shù)字化改變了傳統(tǒng)金融服務(wù)。)2.A(delivering:郵儲銀行在農(nóng)村地區(qū)提供金融服務(wù)。)3.A(liquidity:年度財(cái)務(wù)報(bào)告應(yīng)包括流動(dòng)性數(shù)據(jù)。)4.A(enhance:銀行必須提升服務(wù)質(zhì)量。)5.A(meet:新分行旨在滿足當(dāng)?shù)劂y行業(yè)務(wù)需求。)6.A(stability:風(fēng)險(xiǎn)管理確保銀行資產(chǎn)穩(wěn)定。)7.A(transparent:貸款審批流程必須透明。)8.A(transformed:移動(dòng)銀行應(yīng)用改變了客戶互動(dòng)方式。)9.A(promoting:銀行應(yīng)在城鄉(xiāng)市場推廣品牌。)10.B(weakened:經(jīng)濟(jì)下行削弱了銀行的盈利能力。)第二部分：閱讀理解1.B(文章主要討論農(nóng)村銀行面臨的數(shù)字化轉(zhuǎn)型挑戰(zhàn)。)2.B(數(shù)字化轉(zhuǎn)型有助于改善農(nóng)村地區(qū)的金融服務(wù)。)3.B(大數(shù)據(jù)、人工智能和云計(jì)算是關(guān)鍵技術(shù)。)4.B(新技術(shù)的整合帶來數(shù)據(jù)安全和監(jiān)管合規(guī)問題。)5.B(銀行應(yīng)在創(chuàng)新和風(fēng)險(xiǎn)管理之間取得平衡。)第三部分：完形填空6.C(expand:擴(kuò)大農(nóng)村信貸服務(wù)。)7.A(assist:幫助小農(nóng)戶和創(chuàng)業(yè)者。)8.C(recorded:記錄了貸款批準(zhǔn)量的顯著增長。)9.C(effort:該計(jì)劃是銀行的努力成果。)10.D(adjustment:需要進(jìn)一步調(diào)整以解決地區(qū)差異。)第四部分：翻譯1.PostalBankofChinaiscommittedtoprovidinginclusivefinancialservicesinruralareas.2.Digitaltransformationiskeyforbankstocompeteinthemarket.3.Riskmanagementhelpsensurethelong-termstabilityofthebank.4.Toimprovecustomerexperience,banksshouldoptimizetheirserviceprocesses.5.Governmentpolicieshaveasignificantimpactonruralfinancialdevelopment.第五部分：寫作參考范文TheImpactofFintechonRuralBankingFintechhasrevolutionizedthebankingindustry,brin