郵儲銀行西寧市城北區(qū)2025秋招筆試英語閱讀理解題專練30題及答案題型1：細(xì)節(jié)理解題（5題，每題2分）要求：根據(jù)文章內(nèi)容，選擇最符合原文的選項。題目1（2分）Passage：TheChinaPost儲蓄銀行（PostalSavingsBankofChina）hasexpandeditsdigitalservicesinWesternXining,especiallyinChengbeiDistrict.Withtheriseofmobilebanking,thebankhasintroducedanewappthatallowscustomerstotransferfunds,paybills,andevenapplyforloanswithoutvisitingaphysicalbranch.Localresidentshavepraisedtheconvenience,particularlyelderlycustomerswhopreviouslystruggledwithtraditionalbankingsystems.However,thebankalsofaceschallenges,suchasensuringcybersecurityandtrainingstafftohandledigitalfraud.Question：WhatisthemainbenefitofthenewappforcustomersinChengbeiDistrict?A)Itoffershigherinterestratesthanotherbanks.B)Itallowsfordigitaltransactionswithoutphysicalvisits.C)Itprovidesfreefinancialadvice.D)Itreducestheneedforbankbranches.答案：B解析：原文明確提到“allowscustomerstotransferfunds,paybills,andevenapplyforloanswithoutvisitingaphysicalbranch”，即“允許客戶無需前往實體分行即可轉(zhuǎn)賬、繳費甚至申請貸款”，對應(yīng)選項B。題目2（2分）Passage：Inresponsetothegrowingdemandforruralbankingservices,PostBankhassetupmini-branchesinChengbeiDistrict.Thesesmalloutletsareequippedwithbasicbankingfacilitiesandarestaffedbylocalemployeestrainedtoassistfarmerswithsubsidiesandmicro-loans.Theinitiativeaimstoreducefinancialexclusioninremoteareas.Asurveybythebankfoundthat80%ofrespondentspreferredhavingamini-branchwithinwalkingdistance.Question：Whyaremini-branchesbeneficialforfarmersinChengbeiDistrict?A)Theyoffercompetitivemortgagerates.B)Theyprovidesubsidiesdirectlyfromthegovernment.C)Theyreducethedistancetobankingservices.D)Theyspecializeininternationaltradefinance.答案：C解析：原文提到“mini-branchesarestaffedbylocalemployeestrainedtoassistfarmerswithsubsidiesandmicro-loans”和“80%ofrespondentspreferredhavingamini-branchwithinwalkingdistance”，說明其主要優(yōu)勢是“縮短了銀行服務(wù)的距離”，對應(yīng)選項C。題目3（2分）Passage：ThepostalserviceinXininghaslaunchedagreenbankingprogramtopromoteenvironmentalsustainability.Customerswhousedigitalservicesinsteadofphysicalcheckscanearnrewards,suchasdiscountedutilitybillsorfreebanknotes.Theprogramhasbeenwell-received,witha30%increaseindigitaltransactionssinceitslaunch.However,thebankstillneedstoimproveitsrecyclingfacilitiesforpaperproducts.Question：Whatrewarddoesthepostalserviceofferforusingdigitalservices?A)Discountsoninsurancepremiums.B)Freeaccesstoonlinecourses.C)Discountedutilitybillsorfreebanknotes.D)Cashbackonloanpayments.答案：C解析：原文明確提到“discountedutilitybillsorfreebanknotes”作為使用數(shù)字服務(wù)的獎勵，對應(yīng)選項C。題目4（2分）Passage：TosupportsmallbusinessesinChengbeiDistrict,PostBankhasintroducedaspecialloanprogramwithlow-interestratesandflexiblerepaymentterms.Theinitiativetargetsentrepreneurswholackcollateralbuthavestrongbusinessplans.Acasestudyshowedthat60%ofloanrecipientswereabletoexpandtheiroperationswithinsixmonths.Thebankplanstoexpandtheprogramtootherdistrictsinthefuture.Question：Whatisthekeyrequirementforapplicantsinthespecialloanprogram?A)Theymustownpropertyascollateral.B)Theymusthaveaprovenbusinesshistory.C)Theymustdemonstrateastrongbusinessplan.D)Theymustbeover40yearsold.答案：C解析：原文提到“entrepreneurswholackcollateralbuthavestrongbusinessplans”，強調(diào)“strongbusinessplans”是關(guān)鍵條件，對應(yīng)選項C。題目5（2分）Passage：Thebankhasalsostrengtheneditscybersecuritymeasurestoprotectcustomersfromfraud.Employeesundergoregulartrainingtoidentifyphishingscamsandunauthorizedtransactions.Arecentreportshowedthatthebank’sfrauddetectionratehasimprovedby40%sincethenewmeasureswereimplemented.However,customersarestilladvisedtomonitortheiraccountsmonthly.Question：Howdoesthebankprotectcustomersfromfraud?A)Bylimitingtheirdailytransactionamounts.B)Byusingadvancedencryptiontechnology.C)Bytrainingemployeesandcustomers.D)Byrequiringtwo-factorauthentication.答案：C解析：原文提到“employeesundergoregulartrainingtoidentifyphishingscams”和“customersarestilladvisedtomonitortheiraccounts”，說明保護措施包括“員工培訓(xùn)”和“客戶監(jiān)督”，對應(yīng)選項C。題型2：主旨概括題（5題，每題2分）要求：選擇最能概括文章主要內(nèi)容的選項。題目6（2分）Passage：PostBankhasbeenactivelydigitizingitsservicesinXining,offeringmobilebanking,mini-branches,andeco-friendlyinitiatives.Whilethesechangeshaveimprovedconvenience,challengessuchascybersecurityandstafftrainingremain.Thebankcontinuestoadapttotheevolvingneedsofitscustomers.Question：Whatisthemainthemeofthepassage?A)Thebank’seffortstodigitizeitsservices.B)Theimpactofmini-branchesonruralcommunities.C)Thechallengesofgreenbankinginitiatives.D)Theimportanceofcustomerfeedback.答案：A解析：全文圍繞“數(shù)字化服務(wù)”展開，包括移動銀行、微型網(wǎng)點和環(huán)保計劃，并提到相關(guān)挑戰(zhàn)，故選項A最符合主旨。題目7（2分）Passage：ThepostalservicehaslaunchedanewloyaltyprograminChengbeiDistrict,offeringpointsforeverytransaction,whichcanberedeemedfordiscountsorgifts.Theprogramaimstoincreasecustomerretentionandencouragemorefrequentuseofdigitalservices.Earlyresultsshowa25%increaseinactiveaccountssincethelaunch.Question：Whatistheprimarygoaloftheloyaltyprogram?A)Toincreaserevenuefromgiftsales.B)Toencouragemorefrequentdigitaltransactions.C)Toexpandthebank’sphysicalbranches.D)Toprovidefreefinancialadvice.答案：B解析：原文明確提到“aimstoincreasecustomerretentionandencouragemorefrequentuseofdigitalservices”，對應(yīng)選項B。題目8（2分）Passage：Tosupportlocalfarmers,PostBankhasintroducedasubsidyprogramforagriculturalloans.Theinitiativeprovideslow-interestloanstofarmersinChengbeiDistrict,helpingthempurchaseequipmentandexpandtheircrops.Asurveyrevealedthat70%ofbeneficiariesreportedimprovedincomewithinayear.Thebankplanstoexpandtheprogramnationwideinthefuture.Question：Whatisthemainpurposeofthesubsidyprogram?A)Toreducethebank’sloanlosses.B)Tosupportsmall-scalefarmingbusinesses.C)Topromoteurbandevelopment.D)Toincreasethebank’smarketshare.答案：B解析：原文提到“provideslow-interestloanstofarmers”和“helpingthempurchaseequipmentandexpandtheircrops”，說明目的是“支持小型農(nóng)業(yè)企業(yè)”，對應(yīng)選項B。題目9（2分）Passage：Thepostalservicehasimplementedstrictenvironmentalpoliciestoreducepaperwaste.Customersareencouragedtousedigitalstatementsinsteadofpaperones,andthebankhassetuprecyclingbinsinallbranches.Whilethesemeasureshavereducedpaperusageby35%,thebankstillneedstoimproveitsdigitalinfrastructuretofullytransitionawayfromphysicaldocuments.Question：Whatisthemainfocusofthebank’senvironmentalpolicies?A)Toreduceenergyconsumption.B)Tominimizepaperwaste.C)Toincreasecustomerprofits.D)Toexpanditsbranchnetwork.答案：B解析：全文圍繞“減少紙張浪費”展開，包括鼓勵電子賬單和設(shè)置回收箱，對應(yīng)選項B。題目10（2分）Passage：PostBankhasstrengtheneditscybersecuritymeasurestoprotectcustomersfromfraud.ThebankhashiredadditionalITspecialistsandconductedregulardrillstodetectandpreventunauthorizedtransactions.Arecentreportshowedthatthebank’sfrauddetectionratehasimprovedby40%sincethenewmeasureswereimplemented.However,customersarestilladvisedtobecautiouswiththeirpersonalinformation.Question：Whatisthemainfocusofthebank’scybersecurityefforts?A)Toincreaseloanapprovalrates.B)Todetectandpreventfraud.C)Toimprovecustomerservice.D)Toreduceoperatingcosts.答案：B解析：原文多次提到“frauddetection”和“preventunauthorizedtransactions”，說明重點是“防范欺詐”，對應(yīng)選項B。題型3：推理判斷題（5題，每題2分）要求：根據(jù)文章內(nèi)容，選擇最合理的推論。題目11（2分）Passage：PostBankhasintroducedanewappthatallowscustomerstotransferfunds,paybills,andapplyforloanswithoutvisitingaphysicalbranch.Whiletheapphasbeenpopularamongyoungercustomers,someelderlycustomershaveexpresseddifficultyusingit.Thebankhasstartedofferingfreetrainingsessionstohelpthemadapt.Question：Whatcanbeinferredfromthepassage?A)Theappistoocomplexforelderlyusers.B)Thebankplanstoshutdownphysicalbranchessoon.C)Youngercustomerspreferin-personbanking.D)Theapphasreducedthebank’sprofits.答案：A解析：原文提到“someelderlycustomershaveexpresseddifficultyusingit”和“freetrainingsessions”，暗示“老年客戶使用難度較大”，對應(yīng)選項A。題目12（2分）Passage：Thepostalservicehaslaunchedagreenbankingprogramtopromoteenvironmentalsustainability.Customerswhousedigitalservicesinsteadofphysicalcheckscanearnrewards.Theprogramhasbeenwell-received,butthebankstillneedstoimproveitsrecyclingfacilities.Question：Whatcanbeinferredaboutthebank’sfutureplans?A)Theywillreducedigitalservices.B)Theywillfocusmoreonpaperrecycling.C)Theywilleliminateallphysicalbranches.D)Theywillincreaseloaninterestrates.答案：B解析：原文提到“stillneedstoimproveitsrecyclingfacilities”，暗示“未來將加強紙張回收”，對應(yīng)選項B。題目13（2分）Passage：PostBankhasintroducedaspecialloanprogramforsmallbusinessesinChengbeiDistrict.Theinitiativetargetsentrepreneurswholackcollateralbuthavestrongbusinessplans.Acasestudyshowedthat60%ofloanrecipientswereabletoexpandtheiroperationswithinsixmonths.Question：Whatcanbeinferredaboutthebank’sbusinessphilosophy?A)Theyprioritizeriskovergrowth.B)Theysupportinnovativeentrepreneurs.C)Theyonlylendtoestablishedbusinesses.D)Theychargehighinterestrates.答案：B解析：原文提到“targetsentrepreneurswithstrongbusinessplans”和“expandtheiroperations”，暗示“支持有潛力的創(chuàng)業(yè)者”，對應(yīng)選項B。題目14（2分）Passage：Thepostalservicehasstrengtheneditscybersecuritymeasurestoprotectcustomersfromfraud.Employeesundergoregulartrainingtoidentifyphishingscams,andthebank’sfrauddetectionratehasimprovedby40%.However,customersarestilladvisedtomonitortheiraccountsmonthly.Question：Whatcanbeinferredaboutthebank’sapproachtosecurity?A)Theyrelysolelyontechnology.B)Theycombinehumanandtechnologicalmeasures.C)Theyignorecustomerfeedback.D)Theydiscouragedigitalbanking.答案：B解析：原文提到“employeesundergoregulartraining”和“frauddetectionrateimproved”，暗示“結(jié)合人工和技術(shù)手段”，對應(yīng)選項B。題目15（2分）Passage：PostBankhaslaunchedaloyaltyprograminChengbeiDistrict,offeringpointsforeverytransaction.Theprogramaimstoincreasecustomerretentionandencouragemorefrequentuseofdigitalservices.Earlyresultsshowa25%increaseinactiveaccountssincethelaunch.Question：Whatcanbeinferredaboutthebank’sfuturestrategies?A)Theywillfocusonbranchexpansion.B)Theywillintroducemorephysicalrewards.C)Theywillemphasizedigitalbanking.D)Theywillreduceloanlimits.答案：C解析：原文多次強調(diào)“digitalservices”和“activeaccounts”，暗示“未來將更重視數(shù)字銀行”，對應(yīng)選項C。題型4：詞匯理解題（5題，每題2分）要求：根據(jù)上下文，選擇最合適的詞語填空。題目16（2分）Passage：TheChinaPost儲蓄銀行hasexpandeditsdigitalservicesinWesternXining,especiallyinChengbeiDistrict.Withtheriseofmobilebanking,thebankhasintroducedanewappthatallowscustomerstotransferfunds,paybills,andevenapplyforloanswithoutvisitingaphysicalbranch.Question：Whatwordbestfitstheblank?A)reducedB)expandedC)limitedD)canceled答案：B解析：原文明確提到“expandeditsdigitalservices”，故選項B最合適。題目17（2分）Passage：Tosupportlocalfarmers,PostBankhasintroducedasubsidyprogramforagriculturalloans.Theinitiativeprovideslow-interestloanstofarmersinChengbeiDistrict,helpingthempurchaseequipmentandexpandtheircrops.Question：Whatwordbestfitstheblank?A)feeB)taxC)subsidyD)fine答案：C解析：原文提到“subsidyprogram”，故選項C最合適。題目18（2分）Passage：Thepostalservicehasimplementedstrictenvironmentalpoliciestoreducepaperwaste.Customersareencouragedtousedigitalstatementsinsteadofpaperones,andthebankhassetuprecyclingbinsinallbranches.Question：Whatwordbestfitstheblank?A)lenientB)strictC)flexibleD)relaxed答案：B解析：原文提到“implementedstrictenvironmentalpolicies”，故選項B最合適。題目19（2分）Passage：ThebankhashiredadditionalITspecialiststodetectandpreventunauthorizedtransactions.Arecentreportshowedthatthebank’sfrauddetectionratehasimprovedby40%sincethenewmeasureswereimplemented.Question：Whatwordbestfitstheblank?A)ignoreB)detectC)encourageD)allow答案：B解析：原文提到“detectandpreventfraud”，故選項B最合適。題目20（2分）Passage：Theloyaltyprogramaimstoincreasecustomerretentionandencouragemorefrequentuseofdigitalservices.Earlyresultsshowa25%increaseinactiveaccountssincethelaunch.Question：Whatwordbestfitstheblank?A)decreaseB)increaseC)maintainD)reduce答案：B解析：原文提到“increasecustomerretention”，故選項B最合適。題型5：態(tài)度觀點題（5題，每題2分）要求：根據(jù)文章內(nèi)容，判斷作者或銀行的態(tài)度。題目21（2分）Passage：PostBankhasintroducedanewappthatallowscustomerstotransferfunds,paybills,andapplyforloanswithoutvisitingaphysicalbranch.Whiletheapphasbeenpopularamongyoungercustomers,someelderlycustomershaveexpresseddifficultyusingit.Thebankhasstartedofferingfreetrainingsessionstohelpthemadapt.Question：Whatistheauthor’sattitudetowardtheapp?A)NegativeB)NeutralC)PositiveD)Indifferent答案：C解析：全文描述了應(yīng)用的優(yōu)點（“popularamongyoungercustomers”）和銀行的改進措施（“freetrainingsessions”），暗示作者持積極態(tài)度。題目22（2分）Passage：Thepostalservicehaslaunchedagreenbankingprogramtopromoteenvironmentalsustainability.Customerswhousedigitalservicesinsteadofphysicalcheckscanearnrewards.Theprogramhasbeenwell-received,butthebankstillneedstoimproveitsrecyclingfacilities.Question：Whatistheauthor’sattitudetowardtheprogram?A)SkepticalB)SupportiveC)IndifferentD)Critical答案：B解析：原文多次強調(diào)“well-received”和“promoteenvironmentalsustainability”，暗示作者支持該計劃。題目23（2分）Passage：PostBankhasintroducedaspecialloanprogramforsmallbusinessesinChengbeiDistrict.Theinitiativetargetsentrepreneurswholackcollateralbuthavestro