郵儲(chǔ)銀行湘潭市湘潭縣2025秋招筆試英語(yǔ)完形填空題專練30題及答案一、單選題（每題1分，共10題）題目：閱讀以下短文，每空填入一個(gè)最合適的單詞。每題只有一個(gè)正確答案。1.TheImportanceofFinancialLiteracyinRuralBankingInthecontextofruralbanking,financialliteracyplaysacrucialroleinempoweringlocalcommunities.ManyfarmersandsmallbusinessownersinXiangtanCountylackbasicunderstandingoffinancialproducts,which__________theirabilitytoaccesscreditandinvestmentopportunities.Banksthatinvestineducatingtheirclientsaboutsavingsplans,insurance,andloantermscansignificantly__________economicstabilityintheregion.Forinstance,asurveyconductedbythePostalBankofChinain2023revealedthat60%ofruralresidentsinXiangtanhadnever__________aformalfinancialplan.Thishighlightstheneedformore__________initiativestobridgethegap.Financialinstitutionsmustalsoadapttheirservicestomeettheuniquechallengesofruralareas,suchaslimitedinternetaccessandlowereducationlevels.Bydoingso,theycanfosteramoreinclusivefinancialecosystem.A.limits|B.enhances|C.reduces|D.supportsE.innovative|F.traditional|G.successful|H.necessary2.SustainableAgricultureandBankSupportinXiangtanXiangtanCountyisknownforitsagriculturaloutput,particularlyriceandtea.However,climatechangeposesagrowingthreattocropyields.ThePostalBankhasintroducedgreenfinancingprogramstohelpfarmersadoptsustainablepractices.Theseprogramsofferlow-interestloansforeco-friendlyirrigationsystemsandorganicfarmingtechniques.Acasestudyfrom2024showedthatfarmerswho__________theseinitiativessawa15%increaseinproductivity.Thebankalsocollaborateswithlocalagriculturaluniversitiestoprovidetechnical__________.Thispartnershipensuresthatfinancialsupportis__________withpracticalsolutions.Withoutsuchefforts,theregion’sagriculturalsectorwouldstruggletoremaincompetitiveinthelongterm.A.implemented|B.ignored|C.delayed|D.observedE.educational|F.financial|G.immediate|H.theoretical3.TheRiseofDigitalBankinginRuralChinaWiththerapiddevelopmentoftechnology,digitalbankinghasbecomeincreasinglyaccessibleinruralareas.ThePostalBank’smobileapp,launchedin2022,allowsusersinXiangtanCountytotransfermoney,paybills,andapplyforloanswithjustafewtaps.However,asignificantportionofthepopulationstillfacesbarrierstodigitaladoption.Age,lackofsmartphones,andlimitedinternetconnectivityaremajor__________.Toaddressthis,thebankhastrainedlocalvolunteerstoassistelderlycustomersinsettingupdigitalaccounts.Thisgrassrootsapproachhas__________thenumberofdigitalbankingusersby30%inthepastyear.Thesuccessofsuchinitiativesunderscorestheimportanceofadaptingservicestothelocalcontext.A.challenges|B.opportunities|C.benefits|D.advantagesE.increased|F.decreased|G.supported|H.complicated4.CommunityDevelopmentProjectsinXiangtanThePostalBankhasbeenactivelyinvolvedincommunitydevelopmentprojectsacrossXiangtanCounty.Onenotableprogramisthe"RuralTalentSupportPlan,"whichprovidesscholarshipsforunderprivilegedstudentstostudyagricultureorbanking.Thesegraduatesoftenreturntotheirhometowns,bringingnewskillsand__________tolocalbusinesses.Anotherprojectfocusesonimprovingruralinfrastructure,suchasroadsandbridges,whichenhancesconnectivityandtrade.A2023reportfoundthatareaswithbetterinfrastructuresawa20%boostineconomicactivity.Sucheffortsdemonstratehowfinancialinstitutionscancontributetolong-termregionalgrowth.A.knowledge|B.resources|C.innovation|D.motivationE.sustainable|F.immediate|G.necessary|H.practical5.TheRoleofBanksinDisasterReliefXiangtanCountyispronetofloodsanddroughts,makingdisasterreliefacriticalpriority.ThePostalBankhasestablishedemergencyfundstoassistaffectedfamiliesquickly.In2023,thebankdistributed500,000yuaninaidtofloodvictims,ensuringtheyhadaccesstofood,shelter,andmedicalcare.Additionally,thebankworkedwithlocalgovernmentstorebuildschoolsandhospitals.This__________approachnotonlyhelpsintheshorttermbutalsostrengthensthecommunity’sresilience.Byintegratingdisasterpreparednessintotheiroperations,bankscanplayavitalroleinsafeguardingvulnerablepopulations.A.proactive|B.reactive|C.passive|D.supportiveE.collaborative|F.independent|G.efficient|H.effective6.ImprovingFinancialInclusionforWomeninRuralAreasWomeninXiangtanCountyoftenfacegreaterchallengesinaccessingfinancialservices.ThePostalBankhaslaunchedtargetedprogramstoempowerfemaleentrepreneurs.Theseprogramsincludemicro-loans,financialliteracyworkshops,andmentorshipopportunities.A2022surveyrevealedthat70%ofwomenwhoparticipatedintheseinitiativesreportedincreasedincome.Thebankalsopartneredwithlocalcooperativestoprovidecreditforsmall-scalebusinesses,suchasgrocerystoresandhandicraftworkshops.Thisfocusongenderequalitynotonlybenefitsindividualwomenbutalsocontributestotheoveralleconomicdevelopmentoftheregion.A.economic|B.social|C.educational|D.culturalE.inclusive|F.supportive|G.sustainable|H.transformative7.TheFutureofGreenFinanceinXiangtanAsChinaacceleratesitscommitmenttocarbonneutrality,greenfinanceisbecomingakeyfocusforbanks.ThePostalBankhasintroducedseveralgreenbondsandgreencreditlinestosupportrenewableenergyprojectsinXiangtan.Thesefundshavehelpedfinancesolarfarmsandwindturbines,reducingtheregion’srelianceonfossilfuels.A2024studyshowedthattheseprojectscreated1,200jobsandcutcarbonemissionsby15,000tonsannually.Thebankplanstoexpanditsgreenfinanceofferingsfurther,aimingtoattractmoreinvestorsinterestedinsustainabledevelopment.A.potential|B.growth|C.impact|D.innovationE.environmental|F.economic|G.social|H.technological8.EnhancingCustomerServiceinRuralBankingPoorcustomerservicecandeterpeopleinruralareasfromusingbanks.ThePostalBankhasimplementedseveralreformstoimproveitsservicequality.Theseincludelongeroperatinghours,multilingualstaff,andhomevisitsforelderlyclients.Feedbackfromcustomershasbeenoverwhelminglypositive,witha40%increaseinsatisfactionratings.Thebankalsousestechnologytostreamlineprocesses,suchasonlineaccountopeningand24/7customersupport.Thesechangeshavemadebankingmoreaccessibleandconvenientforallresidents.A.rural|B.urban|C.remote|D.modernE.friendly|F.efficient|G.reliable|H.innovative9.TheImpactofRemoteWorkonRuralBankingTheCOVID-19pandemicacceleratedtheshifttoremoteworkinthefinancialsector.ThePostalBankinXiangtanhasadaptedbyofferingvirtualtrainingsessionsanddigitalcollaborationtools.Thishasallowedemployeestoworkfromhomewhilemaintainingproductivity.A2023surveyofbankemployeesfoundthat65%preferredremoteworkarrangements.Thebankhasalsoexpandeditsonlinebankingservicestoreducephysicaldependency.Thisflexibilityhasnotonlyboostedemployeemoralebutalsoimprovedservicedeliverytocustomers.A.positive|B.negative|C.neutral|D.mixedE.technological|F.operational|G.strategic|H.innovative10.TheRoleofBanksinEducationDevelopmentEducationisacornerstoneofruraldevelopment.ThePostalBankhaspartneredwithlocalschoolstoprovidescholarshipsandeducationalgrants.TheseprogramshavehelpedthousandsofstudentsinXiangtanCountypursuehighereducation.A2022reportshowedthat80%ofscholarshiprecipientswentontostudyfieldssuchasagriculture,engineering,orbanking,ensuringaskilledworkforceforthefuture.Thebankalsosponsorsannualsciencefairsandmathcompetitionstoencourageinnovationamongyoungpeople.Sucheffortsdemonstratehowfinancialinstitutionscansupporthumancapitaldevelopmentinruralareas.A.essential|B.optional|C.secondary|D.supplementaryE.long-term|F.short-term|G.immediate|H.practical二、單選題（每題2分，共10題）題目：閱讀以下短文，每空填入一個(gè)最合適的單詞。每題只有一個(gè)正確答案。11.AgriculturalInsuranceinXiangtanCountyFarminginXiangtanishighlydependentonweatherconditions,makingagriculturalinsurancecrucial.ThePostalBankofferscropinsurancepoliciesthatprotectfarmersagainstlossesduetodroughts,floods,orpests.In2023,thebankinsured5,000hectaresofricepaddies,coveringanestimated100millionyuaninpotentiallosses.Thishasgivenfarmersgreater__________toinvestintheirlandwithoutfearofcatastrophicfailures.Thebankalsoprovidestrainingonriskmanagementtechniques,suchascroprotationanddrought-resistantseeds.Thesemeasureshelpfarmersbuildresilienceagainstclimate-relatedchallenges.A.security|B.uncertainty|C.risk|D.exposureE.confidence|F.awareness|G.stability|H.flexibility12.TheGrowthofE-commerceinRuralChinaE-commercehastransformedtheretaillandscapeinXiangtanCounty.SmallbusinessesthatoncereliedonlocalmarketsnowselltheirproductsonlinethroughplatformslikeAlibabaandJD.com.ThePostalBankhaspartneredwiththesecompaniestoprovidedigitalpaymentsolutionsandlogisticssupport.A2024studyfoundthatbusinessesusingonlinepaymentsystemssawa25%increaseinsales.Thebankalsoofferslow-interestloanstohelpentrepreneursexpandtheironlinepresence.Thissynergybetweenfinanceandtechnologyhascreatedneweconomicopportunitiesforruralentrepreneurs.A.limited|B.expanded|C.declined|D.stagnantE.innovative|F.traditional|G.supportive|H.competitive13.TheRoleofMicrofinanceinRuralDevelopmentMicrofinancehasbeeninstrumentalinempoweringsmall-scalefarmersinXiangtan.ThePostalBankprovidessmallloanstoindividualswholackaccesstotraditionalbankingservices.Thesefundsareoftenusedtopurchaselivestock,tools,orseeds.A2022evaluationshowedthat85%ofmicrofinanceborrowersreportedimprovedincome.Thebankalsooffersfinancialliteracyprogramstohelpborrowersmanagetheirmoneyeffectively.Thisapproachhasnotonlyboostedindividuallivelihoodsbutalsostrengthenedthelocaleconomy.A.minimal|B.significant|C.negligible|D.marginalE.targeted|F.inclusive|G.sustainable|H.transformative14.TheChallengesofRuralBankinginChinaDespiteprogress,ruralbankingstillfacesseveralchallengesinXiangtanCounty.Onemajorissueistheshortageofbankinginfrastructure,suchasATMsandbranches,especiallyinremotevillages.ThePostalBankhasattemptedtoaddressthisbydeployingmobilebankingunitsthatvisitruralareasmonthly.However,theseeffortsareoften__________bylowinternetconnectivity.Anotherchallengeisthehighrateofloandefaultsduetounpredictableweatherpatterns.Thebankisexploringwaystomitigatethisrisk,suchasofferinginsurance-backedloans.A.limited|B.supported|C.hindered|D.facilitatedE.encouraged|F.recognized|G.addressed|H.overlooked15.TheImpactofGovernmentPoliciesonRuralBankingGovernmentpolicieshaveasignificantinfluenceonthedevelopmentofruralbankinginXiangtan.Incentivessuchastaxbreaksandsubsidieshaveencouragedbankstoinvestinruralareas.Forexample,thegovernment’s"FinancialSupportforRuralDevelopment"initiativeprovided500millionyuaninfundingforbankstoexpandtheirruraloperations.Thishasledtothecreationofnewbranchesandtheintroductionofmoretailoredfinancialproducts.However,policyeffectivenessdependsonconsistentimplementationandmonitoring.A.minimal|B.moderate|C.significant|D.negligibleE.direct|F.indirect|G.supportive|H.transformative16.TheRoleofBankersinCommunityOutreachBankersinXiangtanCountyoftenserveascommunityleaders,helpingresidentsnavigatefinancialchallenges.ThePostalBankorganizesfreefinancialcounselingsessions,whereexpertsprovideadviceonsavings,investments,anddebtmanagement.Thesesessionshavebeenparticularlybeneficialforlow-incomefamilies.Additionally,bankersparticipateinlocalevents,suchasfairsandfestivals,topromotefinancialinclusion.Theireffortshavehelpednormalizeconversationsaboutmoney,reducingstigmaaroundseekingfinancialhelp.A.passive|B.active|C.neutral|D.supportiveE.formal|F.informal|G.professional|H.casual17.TheFutureofMobileBankinginRuralAreasMobilebankingisexpectedtoplayanevengreaterroleinruralfinanceinthecomingyears.ThePostalBank’sapphasintroducedfeaturessuchasvoicecommandsandofflinetransactions,makingitmoreuser-friendlyforthosewithlimiteddigitalliteracy.A2023surveyshowedthat60%ofruraluserspreferredmobilebankingovertraditionalmethods.Thebankisalsoexploringpartnershipswithtelecomcompaniestoimproveinternetcoverageinunderservedareas.Theseinnovationswillfurtherenhancefinancialaccessforruralpopulations.A.limited|B.expanding|C.declining|D.stagnantE.innovative|F.traditional|G.efficient|H.reliable18.TheImportanceofFinancialEducationinSchoolsFinancialeducationisessentialforthenextgenerationofruralleaders.ThePostalBankhaspartneredwithschoolsinXiangtanCountytointroducefinancialliteracycourses.Theseprogramsteachstudentsaboutbudgeting,saving,andinvesting.A2022studyfoundthatstudentswhotookthesecoursesweremorelikelytopursuecareersinfinanceorentrepreneurship.Thebankalsoorganizesworkshopsforteacherstoensurethecurriculumremainsrelevantandengaging.Sucheffortslaythegroundworkforamorefinanciallyliteratesociety.A.optional|B.mandatory|C.supplementary|D.electiveE.short-term|F.long-term|G.practical|H.theoretical19.TheRoleofBanksinSupportingSmallBusinessesSmallbusinessesarethebackboneoftheruraleconomyinXiangtan.ThePostalBankoffersarangeofproductstosupporttheseenterprises,includingbusinessloans,creditlines,andmerchantservices.A2024reportfoundthatbusinessesusingthebank’sservicesgrew30%fasterthanthosewithout.Thebankalsoprovidesmentorshipprogramstohelpownersimprovetheirmanagementskills.Theseinitiativeshavecreatedthousandsofjobsandstimulatedlocaleconomicgrowth.A.limited|B.minimal|C.significant|D.negligibleE.direct|F.indirect|G.supportive|H.transformative20.TheChallengesofClimateChangeforRuralBankingClimatechangeposesagrowingthreattoruraleconomiesinXiangtan.Extremeweathereventscandevastatecropsandinfrastructure,leadingtoloandefaults.ThePostalBankhasstartedincorporatingclimateriskintoitslendingdecisions.Forexample,loansforagriculturenowrequirestricterriskassessments.Thebankisalsoinvestingingreentechnologiestohelpfarmersadapttochangingconditions.Thesemeasuresarecrucialforensuringthelong-termsustainabilityofruralbanking.A.minimal|B.moderate|C.significant|D.negligibleE.direct|F.indirect|G.proactive|H.reactive答案與解析一、單選題（每題1分，共10題）1.A,B,E,H-limitstheirabilitytoaccesscredit(A)-enhanceseconomicstability(B)-innovativeinitiatives(E)-necessarytobridgethegap(H)2.A,E,D,F-implementedtheseinitiatives(A)-educationalsupport(E)-practicalsolutions(D)-financialassistance(F)3.A,E,G,H-challengestodigitaladoption(A)-increasedthenumberofusers(E)-supportedbygrassrootsefforts(G)-adaptedservicestothelocalcontext(H)4.A,F,E,E-knowledgeandskills(A)-sustainablecommunityprojects(F)-innovativeapproaches(E)-sustainablelong-termgrowth(E)5.A,E,E,H-proactivedisasterrelief(A)-collaborativeefforts(E)-collaborativeapproach(E)-effectivesafeguarding(H)6.B,E,F,H-socialempowerment(B)-inclusiveprograms(E)-supportiveservices(F)-transformativeimpact(H)7.C,E,C,E-impactonjobsandemissions(C)-environmentalfocu