郵儲(chǔ)銀行深圳市羅湖區(qū)2025秋招筆試英語(yǔ)閱讀＋選詞題專練30題及答案第一部分：英語(yǔ)閱讀理解（共15題，每題2分，合計(jì)30分）Instructions:Readthefollowingpassagescarefullyandchoosethebestanswer(A,B,C,orD)foreachquestion.Passage1(5題，每題2分，合計(jì)10分)Title:TheRiseofDigitalBankinginChinaTherapiddevelopmentofdigitaltechnologyhastransformedthebankingindustryinChinaoverthepastdecade.Traditionalbanks,includingPostalSavingsBankofChina,havebeenforcedtoadapttothechanginglandscapebyintegratingonlineservicesandmobileapplications.AccordingtoareportbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC),over70%ofChineseadultsnowusemobilebankingfordailytransactions,asignificantincreasefromjust20%adecadeago.PostalSavingsBank,leveragingitsvastruralnetwork,hasbeenparticularlysuccessfulinexpandingitsdigitalfootprint.Thebank’smobileapp,"E-Postal,"offersawiderangeofservices,includingfundtransfers,billpayments,andevenmicro-loans.Byfocusingonuserexperienceandsecurity,thebankhasmanagedtoretainalargecustomerbasedespiteintensecompetitionfromlargercommercialbanks.However,challengesremain.Cybersecuritythreatsandtheneedforcontinuousinnovationindigitalplatformsarecriticalissuesthatpostalbanksmustaddress.Thegovernment’spushforfinancialinclusionfurtheremphasizestheimportanceofdigitalbankinginreachingunderservedpopulations.Assuch,PostalSavingsBankmustbalanceefficiencywithaccessibilitytoremaincompetitive.Questions:1.Whatisthemaintopicofthepassage?A.ThehistoryofpostalsavingsinChinaB.TheimpactofdigitaltechnologyonthebankingindustryC.ThechallengesfacedbyruralbanksinChinaD.Thegrowthofmobilebankinginurbanareas2.Accordingtothepassage,howhastheuseofmobilebankingchangedinChinaoverthepastdecade?A.IthasdecreasedsignificantlyB.IthasremainedstableC.IthasincreaseddramaticallyD.Ithasfocusedonlyonruralareas3.WhathashelpedPostalSavingsBanksucceedindigitalbanking?A.ItstraditionalbranchnetworkB.ItsfocusonuserexperienceandsecurityC.GovernmentsubsidiesD.Itspartnershipswithtechcompanies4.Whatisamajorchallengethatpostalbanksfaceindigitalbanking?A.LackofcustomersB.CybersecuritythreatsC.GovernmentregulationsD.Highoperationalcosts5.WhatdoesthepassagesuggestaboutthefutureofdigitalbankinginChina?A.ItwilldeclineaspeoplereturntotraditionalbankingB.ItwillcontinuetogrowbutwithincreasedregulationC.ItwillonlybenefitlargecommercialbanksD.ItwillbecomelessimportantduetofinancialinclusioneffortsPassage2(5題，每題2分，合計(jì)10分)Title:TheRoleofPostalBanksinRuralDevelopmentRuralareasinChinaoftenfacefinancialexclusionduetothelimitedpresenceofcommercialbanks.PostalSavingsBank,withitsextensivenetworkinruralregions,playsacrucialroleinbridgingthisgap.Thebankprovidesessentialfinancialservicestofarmersandsmallbusinesses,whichareoftenneglectedbylargerbanks.Forexample,thebank’smicro-loanprogramshaveenabledmanyruralentrepreneurstostartorexpandtheirbusinesses.Inadditiontolending,PostalSavingsBankalsooffersagriculturalinsurance,helpingfarmersmitigateriskssuchascropfailuresandnaturaldisasters.Thebank’smobilebankingserviceshavefurtherimprovedaccesstofinancialtoolsforruralresidents,whomaynothaveeasyaccesstophysicalbranches.Byleveragingtechnology,thebankhasmadeiteasierforfarmerstomanagetheirfinancesremotely.However,thebankstillfaceschallengesinruralareas,suchaslowdigitalliteracyamongsomeresidentsandtheneedformoretailoredfinancialproducts.Toaddresstheseissues,thebankhaslaunchededucationcampaignsandtrainingprogramstohelpruralpopulationsunderstandthebenefitsofdigitalbanking.Questions:6.Whatistheprimarypurposeofthepassage?A.TohighlighttheproblemsfacedbyruralfarmersinChinaB.TodiscussthecontributionsofpostalbankstoruraldevelopmentC.TocriticizethelackofcommercialbanksinruralareasD.Topromotetheexpansionofmicro-loanprograms7.HowdoesPostalSavingsBankhelpruralentrepreneurs?A.ByprovidingthemwithgovernmentgrantsB.Byofferingmicro-loanprogramsC.ByestablishingmorebranchesinruralareasD.Byorganizingfarmingworkshops8.Whatisakeychallengethatpostalbanksfaceinruralareas?A.HighcompetitionfromcommercialbanksB.LowdigitalliteracyamongruralresidentsC.InsufficientgovernmentsupportD.Lackofskilledemployees9.WhatmeasureshasPostalSavingsBanktakentoimprovefinancialservicesinruralareas?A.IncreasedinterestratesonsavingsaccountsB.LaunchededucationcampaignsandtrainingprogramsC.ReducedfeesfordigitalbankingservicesD.Providedfreeagriculturalequipmenttofarmers10.WhatdoesthepassagesuggestaboutthefutureofpostalbanksinruralChina?A.TheywillfocusmoreonurbanareastoavoidcompetitionB.TheywillcontinuetoexpandtheirruralfinancialservicesC.TheywillbereplacedbyfintechcompaniesD.Theywillnolongeroffermicro-loanprogramsPassage3(5題，每題2分，合計(jì)10分)Title:TheImportanceofFinancialLiteracyinBankingFinancialliteracyisacriticalfactorinthesuccessofbothbanksandtheircustomers.InChina,manypeople,especiallyinruralareas,lackbasicfinancialknowledge,whichcanleadtopoorfinancialdecisions.PostalSavingsBankhasrecognizedthisissueandhastakenstepstoimprovefinancialliteracyamongitscustomers.Thebankhaspartneredwithlocalschoolsandcommunitycenterstoofferfreeworkshopsonbudgeting,saving,andinvesting.Theseworkshopshavebeenparticularlysuccessfulinruralareas,whereaccesstofinancialeducationislimited.Byteachingpeoplehowtomanagetheirmoneyeffectively,thebankhashelpedmanyavoiddebtandimprovetheirfinancialstability.Additionally,thebankhasdevelopededucationalmaterialsinlocaldialectstoensurethateventhosewithlimitedMandarinproficiencycanbenefitfromtheprograms.However,thechallengeofimprovingfinancialliteracyisongoing.Astechnologycontinuestochangethebankinglandscape,newformsoffinancialeducationareneeded.Forexample,thebankhasstartedusingsocialmediaplatformstoprovidefinancialtipsandanswerquestionsinreal-time.Thisapproachhasbeenparticularlyeffectiveamongyoungercustomers,whoaremorelikelytousedigitalplatformsforinformation.Questions:11.Whatisthemainfocusofthepassage?A.TheproblemscausedbyfinancialilliteracyB.TheeffortsofpostalbankstoimprovefinancialliteracyC.TheroleofgovernmentinbankingeducationD.Thebenefitsofdigitalbankingforyoungpeople12.HowhasPostalSavingsBankhelpedimprovefinancialliteracyinruralareas?A.ByofferingfreeworkshopsandeducationalmaterialsB.ByincreasinginterestratesonsavingsaccountsC.BylaunchingatelevisionadvertisingcampaignD.Byprovidingfinancialadvicethroughsocialmedia13.Whatisachallengethatpostalbanksfaceinimprovingfinancialliteracy?A.LackofgovernmentsupportB.LimitedaccesstotechnologyC.LowparticipationineducationalprogramsD.Highcostsofeducationalmaterials14.Whatdoesthepassagesuggestaboutthefutureoffinancialeducationinbanking?A.ItwillbecomelessimportantasdigitalbankinggrowsB.ItwillfocusmoreonurbanareastoavoidruralchallengesC.ItwillneedtoadapttonewtechnologyandmethodsD.Itwillbeprimarilyhandledbyfintechcompanies15.Whatisakeybenefitoffinancialliteracyprogramsforbanks?A.TheyincreasethenumberofcustomersB.TheyimprovecustomerfinancialdecisionsC.TheyreducetheneedforloanofficersD.Theygeneratemoreprofitfromfees第二部分：選詞填空（共15題，每題2分，合計(jì)30分）Instructions:Belowisapassagewith15blankspaces.Choosethemostappropriatewordfromthelistbelowtofilleachblank.Eachwordcanbeusedonlyonce.ListofWords:1.innovate2.regulatory3.accessible4.disadvantage5.sustainable6.collaborate7.efficient8.urban9.diversified10.challenges11.strategies12.rural13.digital14.competitive15.customersPassage:ThegrowthofdigitalbankinginChinahasbroughtbothopportunitiesandchallenges.Traditionalbanks,includingPostalSavingsBank,havehadtoinnovatetostaycompetitive.Onekeystrategyhasbeentomaketheirservicesmoreaccessibletoruralpopulations,whichhaveoftenbeendisadvantageintermsoffinancialinclusion.Bycollaboratewithlocalgovernmentsandtechcompanies,postalbankshavebeenabletoexpandtheirreach.Anotherimportantfocushasbeenonsustainablebusinesspractices.Forexample,PostalSavingsBankhasinvestedindigitalplatformsthatarenotonlyefficientbutalsoenvironmentallyfriendly.Thisapproachhashelpedthebankreducecostswhileimprovingcustomersatisfaction.Additionally,thebankhasdiversifieditsservicestomeettheneedsofbothurbanandruralcustomers.However,theregulatoryenvironmentinChinaremainsachallenge.Banksmustnavigatecomplexruleswhilestilladaptingtomarketchanges.Despitethesedifficulties,thefutureofpostalbankslookspromising,astheycontinuetoinnovateandimprovetheirservices.Questions:1.Whatwordbestfitsblank1?A.regulateB.innovateC.accessD.compete2.Whatwordbestfitsblank2?A.opportunitiesB.challengesC.growthD.strategies3.Whatwordbestfitsblank3?A.improveB.innovatesC.innovateD.competitive4.Whatwordbestfitsblank4?A.competitiveB.regulatoryC.challengesD.innovative5.Whatwordbestfitsblank5?A.strategiesB.innovativeC.collaborateD.efficient6.Whatwordbestfitsblank6?A.collaborateB.competitiveC.strategiesD.innovative7.Whatwordbestfitsblank7?A.accessibleB.efficientC.regulatoryD.competitive8.Whatwordbestfitsblank8?A.urbanB.ruralC.digitalD.innovative9.Whatwordbestfitsblank9?A.diversifiedB.competitiveC.regulatoryD.innovative10.Whatwordbestfitsblank10?A.challengesB.strategiesC.innovativeD.competitive11.Whatwordbestfitsblank11?A.strategiesB.collaborateC.innovativeD.efficient12.Whatwordbestfitsblank12?A.ruralB.urbanC.digitalD.innovative13.Whatwordbestfitsblank13?A.digitalB.innovativeC.regulatoryD.efficient14.Whatwordbestfitsblank14?A.competitiveB.innovativeC.regulatoryD.efficient15.Whatwordbestfitsblank15?A.customersB.innovativeC.regulatoryD.competitive答案及解析第一部分：英語(yǔ)閱讀理解答案及解析Passage1(1-5題)1.B解析:ThepassageprimarilydiscusseshowdigitaltechnologyhastransformedthebankingindustryinChina,focusingonpostalbanks'adaptation.2.C解析:Thepassagestatesthatover70%ofChineseadultsnowusemobilebanking,asignificantincreasefrom20%adecadeago.3.B解析:ThepassagementionsthatPostalSavingsBank'ssuccessstemsfromitsfocusonuserexperienceandsecurity.4.B解析:Thepassagehighlightscybersecuritythreatsasamajorchallengeforpostalbanksindigitalbanking.5.B解析:Thepassagesuggeststhatdigitalbankingwillcontinuetogrowbutwithincreasedregulationduetofinancialinclusionefforts.Passage2(6-10題)6.B解析:Thepassagefocusesonthecontributionsofpostalbankstoruraldevelopment,emphasizingtheirroleinfinancialinclusion.7.B解析:Thepassagementionsthatpostalbanksoffermicro-loanprogramstohelpruralentrepreneurs.8.B解析:Thepassagenotesthatlowdigitalliteracyamongruralresidentsisakeychallengeforpostalbanks.9.B解析:Thepassagestatesthatpostalbankshavelaunchededucationcampaignsandtrainingprogramstoimprovefinancialservicesinruralareas.10.B解析:Thepassagesuggeststhatpostalbankswillcontinuetoexpandtheirruralfinancialservicesdespitechallenges.Passage3(11-15題)11.B解析:Thepassagefocusesontheeffortsofpostalbankstoimprovefinancialliteracyamongcustomers.12.A解析:Thepassagementionsthatpostalbankshaveofferedfreeworkshopsandeducationalmaterialsinruralareas.13.C解析:Thepassagenotesthatlowparticipationineducationalprogramsisachallengeforpostalbanks.14.C解析:Thepassagesuggeststhatfinancialeducationinbankingwillneedtoadapttonewtechnologyandmethods.15.B解析:Thepassagestatesthatfinancialliteracyprogramshelpimprovecustomerfinancialde