郵儲(chǔ)銀行廣安市鄰水縣2025秋招筆試英語(yǔ)閱讀＋選詞題專(zhuān)練30題及答案一、英語(yǔ)閱讀理解（共10題，每題2分，合計(jì)20分）1.(2分)ArecentsurveyconductedbythePeople'sBankofChinarevealedthatruralfinancialservicesinChinahaveseensignificantimprovementsoverthepastdecade.Thesurvey,whichcovered20countiesinSichuanProvince,includingLinshuiCounty,highlightedthegrowingroleofruralcommercialbanksinprovidingcredittosmallandmedium-sizedenterprises(SMEs).Thefindingsshowedthat78%ofSMEsintheseareasnowhaveaccesstofinancialsupport,upfrom62%in2015.LinshuiCounty,knownforitsagriculturaleconomy,particularlybenefitedfromtheexpansionofpostalsavingsbankservices,whichhelpedfarmerssecureloansformodernizingtheirfarms.Thereportalsonotedthatdigitalfinancialsolutions,suchasmobilebankingapps,havemadeiteasierforruralbusinessestoapplyforloans.However,challengesremain,suchasthelackoffinancialliteracyamongsomefarmers.Question:Whatisthemainfocusofthesurveymentionedinthepassage?A.Theimpactofdigitalbankingonruraleconomies.B.ThegrowthofruralfinancialservicesinChina.C.Thechallengesfacedbysmallandmedium-sizedenterprises.D.Theroleofpostalsavingsbanksinagriculturaldevelopment.2.(2分)The鄰水縣郵儲(chǔ)銀行haslaunchedanewinitiativetopromotefinancialinclusioninruralareas.Theprogram,named"FinancialLiteracyforFarmers,"aimstoeducatefarmersaboutthebenefitsofsavingandinvesting.Workshopsareheldinlocalvillages,wherefinancialadvisorsexplainconceptslikeinterestrates,insurance,andretirementplanning.Theinitiativehasalreadyreachedover5,000farmersinLinshuiCounty,withareportedincreaseinsavingsratesby15%.Participantshavealsoshownhigherconfidenceinmanagingtheirfinances.Thebankplanstoexpandtheprogramtoneighboringcountiesinthefuture,hopingtoimprovetheoveralleconomicstabilityoftheregion.Question:Howhasthe"FinancialLiteracyforFarmers"programimpactedfarmersinLinshuiCounty?A.Ithasledtoadecreaseinloanapplications.B.Ithasincreasedsavingsratesandfinancialconfidence.C.Ithasreducedthenumberoffarmersusingmobilebanking.D.Ithascausedfinancialstressduetocomplexconcepts.3.(2分)China'sruralcreditmarkethasevolvedsignificantlyinrecentyears,withpostalsavingsbanksplayingakeyrole.AccordingtoareportbytheChinaBankingandInsuranceRegulatoryCommission(CBIRC),theloan-to-depositratioinruralareashasimprovedfrom1.2in2015to1.5in2024.Thisimprovementisattributedtobetterriskmanagementpracticesandtheintroductionofmoretailoredfinancialproductsforruralbusinesses.InLinshuiCounty,the郵儲(chǔ)銀行hasintroducedaspecialloanprogramforagriculturalcooperatives,providinglow-interestloanstosupportthegrowthoflocalindustries.Theprogramhashelpedseveralcooperativesexpandtheiroperations,leadingtojobcreationandincreasedincomeforfarmers.Question:WhathascontributedtotheimprovementinChina'sruralcreditmarket?A.Increasedcompetitionfromforeignbanks.B.Betterriskmanagementandtailoredfinancialproducts.C.Adeclineinruralloanapplications.D.Governmentsubsidiesforruralbusinesses.4.(2分)ThedevelopmentofruralinfrastructureinChinahashadapositiveeffectonfinancialservicesinareaslikeLinshuiCounty.Improvedtransportationnetworkshavemadeiteasierforpostalsavingsbankbranchestoreachremotevillages.Additionally,thegovernment'sruralrevitalizationstrategyhasencouragedtheexpansionofdigitalbankingservices,reducingtheneedforphysicalbranches.AstudybytheChineseAcademyofSocialSciencesfoundthatareaswithbetterinfrastructurehaveseena20%increaseinfinancialtransactionsperhousehold.Thistrendisexpectedtocontinueasmoreruralresidentsgainaccesstodigitalbankingplatforms.Question:HowhasthedevelopmentofruralinfrastructureimpactedfinancialservicesinChina?A.Ithasledtoadeclineindigitalbankingadoption.B.Ithasimprovedaccesstofinancialservicesinremoteareas.C.Ithasincreasedthenumberofphysicalbankbranches.D.Ithasreducedthedemandforruralcredit.5.(2分)The郵儲(chǔ)銀行'scommitmenttosustainabledevelopmenthasledtoseveralinnovativeprogramsinLinshuiCounty.Onesuchprogramisthe"GreenLoanInitiative,"whichprovideslow-interestloanstofarmerswhoadopteco-friendlyagriculturalpractices.Theinitiativeaimstoreducetheenvironmentalimpactoffarmingwhilepromotingeconomicgrowth.Participantshavebeenencouragedtouseorganicfertilizersandadoptwater-savingtechniques.Apreliminaryassessmentshowsthatthesepracticeshavereducedsoilerosionby30%inparticipatingfarms.Thebankplanstoexpandtheinitiativetootherprovinces,hopingtosetanationalstandardforsustainableagriculture.Question:Whatistheprimarygoalofthe"GreenLoanInitiative"?A.Toincreasetheprofitsoffarmers.B.Topromoteenvironmentallysustainablefarmingpractices.C.Toreducethecostofagriculturalloans.D.Toencouragetheuseofmodernfarmingequipment.6.(2分)Theriseoffintechcompanieshasposedbothchallengesandopportunitiesfortraditionalbankslikethe郵儲(chǔ)銀行.Whilefintechsofferinnovativedigitalsolutions,theyalsocompeteforcustomersintheruralmarket.AreportbytheChinaFinancialTechnologyAssociationfoundthat45%ofruralresidentsnowusefintechservices,comparedto35%in2020.Tostaycompetitive,the郵儲(chǔ)銀行hasinvestedinupgradingitsmobilebankingapp,addingfeaturessuchasreal-timefinancialadviceandinstantloanapprovals.TheseimprovementshavehelpedretainexistingcustomersandattractnewonesinLinshuiCounty.Question:Howhastheriseoffintechcompaniesaffectedtraditionalbankslikethe郵儲(chǔ)銀行?A.Ithasledtoadeclineinruralcustomers.B.Ithasencouragedtraditionalbankstoinnovate.C.Ithasreducedtheneedforphysicalbranches.D.Ithasincreasedgovernmentregulationonbanks.7.(2分)The郵儲(chǔ)銀行hasimplementedanewcreditscoringsysteminLinshuiCountytoimproveloanapprovalefficiency.Thesystemusesbigdataandmachinelearningtoassessaborrower'screditworthiness,reducingthetimerequiredforloanapplicationsfromweekstojustafewdays.Thissystemhasparticularlybenefitedsmallbusinessowners,whopreviouslyfacedlongapprovalprocesses.Accordingtobankofficials,thenewsystemhasincreasedloanapprovalratesby25%whilemaintainingalowdefaultrate.Theinitiativeispartofthebank'sbroaderefforttomakefinancialservicesmoreaccessibleandefficient.Question:Whathasbeentheimpactofthenewcreditscoringsystemonloanapprovals?A.Ithasincreasedthetimerequiredforapplications.B.Ithasreducedloanapprovalrates.C.Ithasimprovedefficiencyandapprovalrates.D.Ithasledtohigherdefaultrates.8.(2分)TheChinesegovernmenthaslaunchedseveralpoliciestosupportruraleconomicdevelopment,includingtaxincentivesforfarmersandsubsidiesforagriculturalbusinesses.ThesepolicieshavebeenparticularlyeffectiveinregionslikeLinshuiCounty,wheretheeconomyisheavilydependentonagriculture.AstudybytheMinistryofAgricultureandRuralAffairsfoundthatareaswithsuchsupportpolicieshaveseena30%increaseinagriculturaloutput.The郵儲(chǔ)銀行hasalsocontributedbyofferingspecialloanprogramsforfarmers,helpingtheminvestinbetterequipmentandtechnology.Thesecombinedeffortshaveledtosignificanteconomicgrowthintheregion.Question:WhathasbeentheeffectofgovernmentpoliciesonruraleconomiesinChina?A.Ithasledtoadeclineinagriculturaloutput.B.Ithasincreasedtaxburdensonfarmers.C.Ithassupportedruraleconomicgrowth.D.Ithasreducedaccesstofinancialservices.9.(2分)The郵儲(chǔ)銀行'smobilebankingapphasbecomeincreasinglypopularamongruralresidentsinLinshuiCounty.Theappallowsuserstotransfermoney,paybills,andapplyforloanswithoutvisitingaphysicalbranch.Asurveyconductedbythebankfoundthat60%ofusersprefermobilebankingovertraditionalmethods.Theapp'spopularityisattributedtoitsuser-friendlyinterfaceandfasttransactionspeeds.Additionally,thebankhasintroducedfeaturessuchasvoiceassistantsandofflinebanking,makingiteasierforthosewithlimiteddigitalliteracytousetheservices.Theseimprovementshavehelpedbridgethedigitaldivideinruralareas.Question:Whathascontributedtothepopularityofthe郵儲(chǔ)銀行'smobilebankingapp?A.Hightransactionfees.B.Complexuserinterface.C.User-friendlydesignandadditionalfeatures.D.Limitedtransactionoptions.10.(2分)The郵儲(chǔ)銀行hasestablishedpartnershipswithlocalagriculturalcooperativesinLinshuiCountytopromotefinancialinclusion.Thesepartnershipsinvolveprovidingtrainingandfinancialsupporttocooperatives,helpingthemexpandtheiroperationsandimproveprofitability.Onesuchcooperative,theLinshuiVegetableAssociation,hasseena40%increaseinsalessincereceivingsupportfromthebank.Thebank'sinvolvementhasalsohelpedthecooperativeaccesslargermarketsandadoptbetterfarmingpractices.Thismodelisexpectedtobereplicatedinotherruralareas,furtherstrengtheningtheagriculturalsector.Question:Whathasbeentheresultofthe郵儲(chǔ)銀行'spartnershipswithagriculturalcooperatives?A.Ithasledtoadeclineincooperativeprofits.B.Ithasimprovedsalesandoperationalefficiency.C.Ithasreducedthebank'sloanapprovalrates.D.Ithasincreasedgovernmentoversightofcooperatives.二、選詞填空（共20題，每題1分，合計(jì)20分）Instructions:Choosethebestwordtofillineachblank.1.The郵儲(chǔ)銀行hasintroducedseveralmeasuresto______financialliteracyamongruralresidents.A.improveB.reduceC.ignoreD.decrease2.Smallandmedium-sizedenterprisesinLinshuiCountyhavebenefitedfromthebank's______loanprograms.A.flexibleB.rigidC.inefficientD.costly3.Thegovernment'sruralrevitalizationstrategyaimsto______economicopportunitiesinruralareas.A.createB.destroyC.limitD.neglect4.Digitalbankingserviceshavemadeiteasierforfarmersto______financialtransactions.A.completeB.postponeC.avoidD.ignore5.Thebank'snewcreditscoringsystemusesbigdatato______borrowers'creditworthiness.A.assessB.ignoreC.denyD.praise6.FarmersinLinshuiCountyhaveshownincreasedconfidencein______theirfinances.A.managingB.ignoringC.wastingD.neglecting7.The郵儲(chǔ)銀行's"GreenLoanInitiative"encouragesfarmerstoadopt______agriculturalpractices.A.environmentallyfriendlyB.environmentallyharmfulC.traditionalD.modern8.Theriseoffintechcompanieshas______traditionalbankstoinnovate.A.forcedB.encouragedC.discouragedD.ignored9.Thebankhasinvestedinupgradingitsmobilebankingappto______customersatisfaction.A.improveB.reduceC.ignoreD.decrease10.Thenewinfrastructurehasmadeiteasierforthebankto______remotevillages.A.reachB.ignoreC.avoidD.neglect11.The郵儲(chǔ)銀行hasestablishedpartnershipswithlocalcooperativesto______financialinclusion.A.promoteB.hinderC.ignoreD.limit12.Thegovernment'spolicieshavesupportedthegrowthoftherural______sector.A.financialB.industrialC.agriculturalD.technological13.Thebank'sworkshopsaimto______farmersaboutthebenefitsofsaving.A.educateB.confuseC.ignoreD.discourage14.The郵儲(chǔ)銀行'sloanprogramshavehelpedfarmers______formodernfarmingequipment.A.affordB.borrowC.ignoreD.waste15.Thedigitalbankingapphasreducedtheneedfor______branchesinruralareas.A.physicalB.virtualC.mobileD.online16.Thebank'screditscoringsystemhasimprovedloanapproval______.A.efficiencyB.delayC.costD.complexity17.The郵儲(chǔ)銀行'sGreenLoanInitiativeaimsto______theenvironmentalimpactoffarming.A.reduceB.increaseC.ignoreD.promote18.Theriseoffintechcompanieshas______traditionalbankstoadapt.A.forcedB.encouragedC.discouragedD.ignored19.Thebank'smobilebankingappallowsusersto______moneywithoutvisitingabranch.A.transferB.borrowC.ignoreD.waste20.The郵儲(chǔ)銀行'spartnershipswithcooperativeshavehelped______theirsales.A.increaseB.decreaseC.ignoreD.reduce答案及解析一、英語(yǔ)閱讀理解答案及解析1.B解析:ThepassagediscussestheimprovementinruralfinancialservicesinChina,withafocusonthesurvey'sfindingsandtheroleofpostalsavingsbanks.OptionBaccuratelyreflectsthemainfocus.2.B解析:Thepassagehighlightsthepositiveimpactofthe"FinancialLiteracyforFarmers"program,notingincreasedsavingsratesandfinancialconfidence.OptionBiscorrect.3.B解析:Thepassageattributestheimprovementintheruralcreditmarkettobetterriskmanagementandtailoredfinancialproducts.OptionBiscorrect.4.B解析:Thepassageexplainshowruralinfrastructuredevelopmenthasimprovedaccesstofinancialservicesinremoteareas.OptionBiscorrect.5.B解析:Thepassagedescribesthe"GreenLoanInitiative"asaimedatpromotingenvironmentallysustainablefarmingpractices.OptionBiscorrect.6.B解析:Thepassagementionsthatfintechshaveencouragedtraditionalbankstoinnovatetostaycompetitive.OptionBiscorrect.7.C解析:Thepassagestatesthatthenewcreditscoringsystemhasimprovedefficiencyandapprovalrates.OptionCiscorrect.8.C解析:Thepassagenotesthatgovernmentpolicieshavesupportedruraleconomicgrowth,particularlyinagriculturalregions.OptionCiscorrect.9.C解析:Thepassageattributesthepopularityofthemobilebankingapptoitsuser-friendlydesignandad