郵儲銀行梅州市蕉嶺縣2025秋招筆試英語閱讀＋選詞題專練30題及答案第一部分：英語閱讀理解（15題，每題2分，共30分）1.TheImpactofDigitalBankingonRuralCommunitiesinSouthernChinaDigitalbankinghasbeentransformingthefinanciallandscapeinruralareasofSouthernChina,particularlyinregionslikeJiaolingCounty,MeizhouCity.Theriseofmobilebankingappsandonlinefinancialserviceshasmadeiteasierforfarmersandsmallbusinessownerstoaccesscredit,managetheirfinances,andparticipateine-commerce.However,challengessuchasinternetconnectivityanddigitalliteracyremainsignificantbarriers.AstudybytheChinaBankingandInsuranceRegulatoryCommission(CBIRC)foundthatonly35%ofruralresidentsinJiaolingCountyregularlyusedigitalbankingtools.Localbanks,includingthePostalSavingsBankofChina,areworkingtobridgethisgapthroughcommunityeducationprogramsandpartnershipswithruralcooperatives.Despitetheseefforts,thedigitaldividepersists,highlightingtheneedformoretargetedinterventions.Questions:1.Whatisthemainpurposeofthepassage?A.Topromotedigitalbankinginruralareas.B.TodiscussthechallengesofdigitalbankinginSouthernChina.C.Tohighlighttheroleofpostalbanksinruralfinancialservices.D.Tosuggestsolutionsforimprovinginternetconnectivityinruralregions.2.Accordingtothepassage,whatpercentageofruralresidentsinJiaolingCountyusedigitalbankingregularly?A.20%B.35%C.50%D.65%3.Whatisthebiggestchallengetodigitalbankingadoptioninruralareas?A.Highfeesfordigitalservices.B.Lackofinternetconnectivityanddigitalliteracy.C.Limitedaccesstofinancialinstitutions.D.Governmentpoliciesrestrictingdigitalbanking.4.Whatactionsarelocalbankstakingtoaddressthedigitaldivide?A.Investinginruralinfrastructure.B.Offeringfreedigitalbankingtraining.C.Partneringwithruralcooperatives.D.Expandingbranchnetworksinruralareas.5.WhatdoesthepassagesuggestforthefutureofdigitalbankinginruralChina?A.Itwillcontinuetogrowbutfacepersistentchallenges.B.Itwilldeclineduetolackofgovernmentsupport.C.Itwillbecomeaswidespreadasinurbanareas.D.Itwillonlybenefitlargeagriculturalenterprises.2.TheRoleofPostalSavingsBankinSupportingSmallBusinessesinJiaolingCountyThePostalSavingsBankofChinahasbeenakeyplayerinsupportingsmallbusinessesinJiaolingCounty,aruralareainMeizhouCityknownforitsagriculturaleconomy.Thebankoffersspecializedloanprogramsdesignedtohelpsmallbusinessownersaccesscapital,includingmicroloansforfarmersandlow-interestloansforentrepreneurs.Additionally,thebankhaslaunchedamobilebankingapptailoredtotheneedsofruralbusinesses,allowingthemtomanagetheirfinancesonthego.ArecentreportbytheMeizhouMunicipalBureauofEconomyandTradefoundthat60%ofsmallbusinessesinJiaolingCountyhavebenefitedfromPostalSavingsBank’sfinancialservices.Thebank’scommitmenttolocaleconomicdevelopmenthasalsoearneditrecognitionasoneofthetopfinancialinstitutionsintheregion.Questions:6.WhatistheprimaryfocusofPostalSavingsBank’sloanprograms?A.Supportinglargecorporations.B.Providingfinancialservicesforruralbusinesses.C.Offeringhigh-interestsavingsaccounts.D.Encouragingurbaninvestmentinruralareas.7.Accordingtothereport,whatpercentageofsmallbusinessesinJiaolingCountyhaveusedPostalSavingsBank’sservices?A.30%B.45%C.60%D.75%8.WhyhasPostalSavingsBankbeenrecognizedasatopfinancialinstitutionintheregion?A.Itshighprofitmargins.B.Itsfocusonruraleconomicdevelopment.C.Itsextensivebranchnetwork.D.Itsinnovativedigitalbankingservices.9.WhatchallengesdosmallbusinessesinJiaolingCountyfacewhenaccessingfinancialservices?A.Limitedcreditoptions.B.Highfeesforbankingservices.C.Lackofawarenessofavailableprograms.D.Alloftheabove.10.WhatdoesthepassagesuggestaboutthefutureofsmallbusinessesinJiaolingCounty?A.Theywillfaceincreasedcompetitionfromurbanbusinesses.B.Theywillrelymoreontraditionalbankingmethods.C.TheywillbenefitfromcontinuedsupportfromPostalSavingsBank.D.Theywillstruggletofindfundingduetoeconomicdownturns.3.EnvironmentalSustainabilityinMeizhouCity’sAgriculturalSectorMeizhouCity,includingJiaolingCounty,hasbeenmakingstridesinpromotingenvironmentalsustainabilityinitsagriculturalsector.Thelocalgovernmenthasimplementedpoliciesencouragingtheuseoforganicfarmingmethodsandrenewableenergysources.Forexample,thePostalSavingsBankhaspartneredwiththecity’sagriculturaldepartmenttoprovidelow-interestloansforfarmersadoptingeco-friendlypractices.Theseinitiativeshavenotonlyreducedtheenvironmentalimpactofagriculturebutalsoimprovedcropyieldsandfarmerincomes.ArecentstudybytheChineseAcademyofAgriculturalSciencesfoundthatfarmsusingorganicmethodsinJiaolingCountyhaveseena15%increaseinproductivity.However,challengessuchaslanddegradationandwaterpollutionremain,requiringfurthereffortsfromboththegovernmentandthebankingsector.Questions:11.WhatisthemaingoalofMeizhouCity’sagriculturalpolicies?A.Toincreaseagriculturalproduction.B.Topromoteenvironmentalsustainability.C.Toattracturbaninvestorstoruralareas.D.Toreducerelianceonchemicalfertilizers.12.Whathasbeentheimpactofeco-friendlyfarmingpracticesinJiaolingCounty?A.Reducedcropyields.B.Increasedenvironmentalpollution.C.Improvedproductivityandfarmerincomes.D.Highercostsforfarmers.13.WhatrolehasPostalSavingsBankplayedinsupportingsustainableagriculture?A.Providedgrantsforresearch.B.Offeredlow-interestloansforeco-friendlypractices.C.Implementedstrictenvironmentalregulations.D.Sponsoredagriculturaltradefairs.14.Accordingtothestudy,whathasbeentheeffectoforganicfarmingonproductivityinJiaolingCounty?A.A10%decrease.B.Nosignificantchange.C.A15%increase.D.A20%increase.15.WhatchallengesstillneedtobeaddressedinMeizhouCity’sagriculturalsector?A.Limitedgovernmentfunding.B.Landdegradationandwaterpollution.C.Highcostsofsustainablefarmingtechnologies.D.Lackoffarmereducationoneco-friendlymethods.4.TheImportanceofFinancialLiteracyforFarmersinJiaolingCountyFinancialliteracyiscrucialforfarmersinJiaolingCounty,aregionwhereagricultureisthebackboneofthelocaleconomy.Manyfarmersstrugglewithmanagingtheirfinancesduetolimitedaccesstoeducationandresources.ThePostalSavingsBankhaslaunchedaseriesofworkshopstoimprovefinancialliteracyamongruralfarmers,coveringtopicssuchasbudgeting,saving,andaccessingcredit.Theseprogramshavehelpedfarmersmakemoreinformedfinancialdecisions,reducingdebtandimprovingtheirlivelihoods.AsurveyconductedbytheMeizhouAgriculturalUniversityfoundthat70%offarmerswhoparticipatedintheworkshopsreportedbetterfinancialmanagementskills.Thesuccessoftheseinitiativeshasencouragedotherfinancialinstitutionstoadoptsimilarprogramsinruralareas.Questions:16.WhatistheprimaryreasonforthefinancialstrugglesoffarmersinJiaolingCounty?A.Highinflationrates.B.Limitedfinancialeducation.C.Governmentpoliciesfavoringurbanareas.D.Lackofaccesstobankingservices.17.WhattopicshavebeencoveredinthePostalSavingsBank’sfinancialliteracyworkshops?A.Investmentstrategiesforurbanresidents.B.Budgeting,saving,andaccessingcredit.C.Realestatefinancingoptions.D.Cryptocurrencytradingforfarmers.18.Accordingtothesurvey,whatpercentageoffarmersreportedimprovedfinancialmanagementskillsafterparticipatingintheworkshops?A.50%B.60%C.70%D.80%19.HowhavethesefinancialliteracyprogramsbenefitedfarmersinJiaolingCounty?A.Theyhaveincreasedfarmdebts.B.Theyhaveimprovedfinancialdecision-making.C.Theyhaveledtohighercropprices.D.Theyhavereducedgovernmentsubsidies.20.Whatimpacthasthesuccessoftheseworkshopshadonotherfinancialinstitutions?A.Theyhaveabandonedruralfinancialprograms.B.Theyhaveexpandedtheirruraloutreach.C.Theyhavefocusedonurbanclients.D.Theyhavereducedloaninterestrates.5.TheDevelopmentofE-commerceinMeizhouCity’sRuralAreasE-commercehasbeentransformingthewayfarmersinMeizhouCity,includingJiaolingCounty,selltheirproducts.ThePostalSavingsBankhaspartneredwithlocalbusinessestosetuponlineplatforms,enablingfarmerstoreachabroadermarket.Theseplatformshavenotonlyincreasedsalesbutalsoprovidedfarmerswithaccesstomarkettrendsandconsumerfeedback.AstudybytheMeizhouUniversityofTechnologyfoundthate-commercehasboostedtheincomeofsmall-scalefarmersby25%intheregion.However,challengessuchaslogisticsanddigitalskillsremain,requiringfurthersupportfromthegovernmentandfinancialinstitutions.Thesuccessofe-commerceinruralareashasalsoinspiredotherregionsinChinatoexploresimilarmodels.Questions:21.Whathasbeenthemainbenefitofe-commerceforfarmersinMeizhouCity?A.Reducedproductioncosts.B.Increasedsalesandmarketaccess.C.Lowertransportationexpenses.D.Greatergovernmentsubsidies.22.HowhasthePostalSavingsBankcontributedtothegrowthofe-commerceinruralareas?A.Byinvestinginruralinfrastructure.B.Bysettinguponlineplatforms.C.Byofferingfreeinternetservices.D.Byprovidingmarketingtraining.23.Accordingtothestudy,whathasbeentheimpactofe-commerceonsmall-scalefarmers’incomes?A.A10%increase.B.A15%increase.C.A25%increase.D.Nosignificantchange.24.Whatchallengesstillhinderthegrowthofe-commerceinruralareas?A.Limitedinternetconnectivity.B.Highlogisticscosts.C.Lackofconsumertrust.D.Alloftheabove.25.Whathasbeenthebroaderimpactofe-commerceinruralareas?A.Ithasledtourbanization.B.Ithasinspiredotherregionstoadoptsimilarmodels.C.Ithasreducedgovernmentsupportforagriculture.D.Ithascausedadeclineintraditionalmarkets.6.TheRoleofPostalSavingsBankinDisasterReliefEffortsinJiaolingCountyJiaolingCounty,locatedinMeizhouCity,hasfacedseveralnaturaldisastersinrecentyears,includingfloodsanddroughts.ThePostalSavingsBankhasbeenactivelyinvolvedindisasterreliefefforts,providingemergencyloansandfinancialsupporttoaffectedcommunities.Thebank’squickresponsesystemhashelpedfamiliesrebuildtheirhomesandbusinessesafterdisasters.AreportbytheMeizhouCivilAffairsBureaufoundthat80%ofdisastervictimsinJiaolingCountyreceivedfinancialassistancefromPostalSavingsBank.Thebank’scommitmenttocommunitysupporthasstrengtheneditsreputationasaresponsiblefinancialinstitutionintheregion.Questions:26.WhatkindofdisastershasJiaolingCountyfacedinrecentyears?A.Earthquakesandtyphoons.B.Floodsanddroughts.C.Wildfiresandhurricanes.D.Landslidesandstorms.27.WhatfinancialassistancehasPostalSavingsBankprovidedtodisastervictims?A.Grantsformedicalexpenses.B.Emergencyloansandsupportforrebuilding.C.Insurancecoverageforpropertydamage.D.Donationstocharityorganizations.28.Accordingtothereport,whatpercentageofdisastervictimsinJiaolingCountyreceivedfinancialassistancefromPostalSavingsBank?A.50%B.60%C.70%D.80%29.HowhasPostalSavingsBank’squickresponsesystembenefitedaffectedcommunities?A.Ithasincreasedgovernmentbureaucracy.B.Ithasdelayedfinancialaid.C.Ithashelpedfamiliesrebuildquickly.D.Ithasledtohigherinterestratesonloans.30.WhathasbeentheimpactofPostalSavingsBank’sdisasterreliefeffortsonitsreputation?A.Ithasreduceditscustomerbase.B.Ithasstrengtheneditsreputationasaresponsibleinstitution.C.Ithasledtoincreasedcompetitionfromotherbanks.D.Ithascausedfinanciallossesforthebank.第二部分：選詞填空（15題，每題2分，共30分）Instructions:Choosethebestwordtofillineachblankfromthefouroptionsprovided.Passage1ThedevelopmentofdigitalbankinghasbroughtsignificantchangestothefinancialsectorinruralChina.Forinstance,in(1)likeJiaolingCounty,thePostalSavingsBankhasintroducedmobilebankingappsto(2)farmersandsmallbusinessowners.Theseappsallowuserstoaccesscredit,managetheirfinances,andparticipateine-commerce.However,challengessuchas(3)connectivityanddigitalliteracyremain.AstudybytheChinaBankingandInsuranceRegulatoryCommission(CBIRC)foundthatonly35%ofruralresidentsinJiaolingCountyregularlyusedigitalbankingtools.Localbanksareworkingto(4)thisgapthroughcommunityeducationprogramsandpartnershipswithruralcooperatives.Despitetheseefforts,thedigitaldividepersists,highlightingtheneedformore(5)interventions.Options:1.A.regionsB.citiesC.townsD.provinces2.A.helpB.assistC.supportD.guide3.A.internetB.networkingC.connectivityD.online4.A.closeB.fillC.bridgeD.cover5.A.targetedB.effectiveC.widespreadD.randomPassage2ThePostalSavingsBankhasbeenakeyplayerinsupportingsmallbusinessesinJiaolingCounty,aruralareainMeizhouCityknownforitsagriculturaleconomy.Thebankoffers(6)loanprogramsdesignedtohelpsmallbusinessownersaccesscapital,includingmicroloansforfarmersandlow-interestloansforentrepreneurs.Additionally,thebankhaslaunchedamobilebankingapptailoredtotheneedsofruralbusinesses,allowingthemtomanagetheirfinancesonthego.ArecentreportbytheMeizhouMunicipalBureauofEconomyandTradefoundthat(7)ofsmallbusinessesinJiaolingCountyhavebenefitedfromPostalSavingsBank’sfinancialservices.Thebank’scommitmenttolocaleconomicdevelopmenthasalsoearneditrecognitionasoneofthetopfinancialinstitutionsintheregion.Options:6.A.specialB.generalC.standardD.flexible7.A.30%B.45%C.60%D.75%8.A.hasbeenB.havebeenC.wasD.were9.A.itsB.theirC.hisD.her10.A.forB.toC.inD.withPassage3Financialliteracyis(11)forfarmersinJiaolingCounty,aregionwhereagricultureisthebackboneofthelocaleconomy.Manyfarmersstrugglewithmanagingtheirfinancesduetolimitedaccesstoeducationandresources.ThePostalSavingsBankhaslaunchedaseriesofworkshopstoimprovefinancialliteracyamongruralfarmers,coveringtopicssuchasbudgeting,saving,andaccessingcredit.Theseprogramshavehelpedfarmersmake(12)financialdecisions,reducingdebtandimprovingtheirlivelihoods.AsurveyconductedbytheMeizhouAgriculturalUniversityfoundthat(13)offarmerswhoparticipatedintheworkshopsreportedbetterfinancialmanagementskills.Thesuccessoftheseinitiativeshasencouragedotherfinancialinstitutionstoadoptsimilarprogramsinruralareas.Options:11.A.importanceB.significantC.necessaryD.crucial12.A.informedB.carelessC.unwiseD.random13.A.50%B.60%C.70%D.80%14.A.manyB.muchC.moreD.most15.A.similarB.differentC.uniqueD.similar答案及解析第一部分：英語閱讀理解答案及解析1.TheImpactofDigitalBankingonRuralCommunitiesinSouthernChina1.B-Thepassagefocusesonthechallengesofdigitalbankinginruralareas,notitspromotion.2.B-Thetextexplicitlystatesthat35%ofruralresidentsinJiaolingCountyusedigitalbankingregularly.3.B-Thepassagementionsinternetconnectivityanddigitalliteracyasmajorbarriers.4.C-Thetextmentionspartnershipswithruralcooperativesasoneoftheeffortstoaddressthedigitaldivide.5.A-Thepassagesuggeststhatdigitalbankingwillcontinuetogrowbutfacepersistentchallenges.2.TheRoleofPostalSavingsBankinSupportingSmallBusinessesinJiaolingCounty6.B-Thepassagehighlightsthebank’sfocusonruralbusinessesandtheirloanprograms.7.C-Thereportstatesthat60%ofsmallbusinessesinJiaolingCountyhavebenefitedfromPostalSavingsBank’sservices.8.B-Thebank’scommitmenttoruraleconomicdevelopmenthasearneditrecognition.9.D-Thepassagementionslimitedcreditoptions,highfees,andlackofawarenessaschallenges.10.C-ThepassagesuggeststhatsmallbusinesseswillbenefitfromcontinuedsupportfromPostalSavingsBank.3.EnvironmentalSustainabilityinMeizhouCity’sAgriculturalSector11.B-Thepassageemphasizesthegoalofpromotingenvironmentalsustainabilityinagriculture.12.C-Thestudyfoundthatfarmsusingorganicmethodshaveseena15%increaseinproductivity.13.B-Thebankhasprovidedlow-interestloansforeco-friendlyfarmingpractices.14.C-Thestudyreportsa15%increaseinproductivityduetoorganicfarming.15.B-Thepassagementionslanddegradationandwaterpollutionasongoingchallenges.4.TheImportanceofFinancialLiteracyforFarmersinJiaolingCounty16.B-Thepassagestatesthatlimitedfinancialeducationisaprimaryreasonforfarmers’struggles.17.B-Theworkshopscoveredbudgeting,saving,andaccessingcredit.18.C-Thesurveyfoundthat70%offarmersreportedimprovedfinancialmanagementskills.19.B-Theprogramshavehelpedfarmersmakebetterfinancialdecisions.20.B-Thesuccessoftheworkshopshasencouragedotherinstitutionstoexpandtheirruraloutreach.5.TheDevelopmentofE-commerceinMeizhouCity’sRuralAreas21.B-Thepassagehighlightsincreasedsa