郵儲(chǔ)銀行上海市長寧區(qū)2025秋招筆試英語閱讀＋選詞題專練30題及答案一、英語閱讀理解（共10題，每題2分，合計(jì)20分）1.Passage1(2分)Title:TheRiseofDigitalBankinginUrbanAreasContent:Withtherapiddevelopmentoffinancialtechnology,digitalbankinghasbecomeincreasinglypopularinmajorcitieslikeShanghai.PostalBankofChina,leveragingitsextensivebranchnetworkintheChangningDistrict,hasintroducedinnovativeonlineservicestomeetthegrowingdemandforconvenience.Customerscannowtransferfunds,paybills,andapplyforloansthroughthebank’smobileapp,reducingtheneedforphysicalvisits.However,sometraditionalbankingexpertsarguethatdigitalizationmayleadtojoblossesinruralareas,wherepostalservicesremaintheprimaryfinancialprovider.Despitethisconcern,thebank’sCEOemphasizedthattechnologywouldenhanceefficiencyratherthanreplacehumaninteractionentirely.Question:Whatisthemainfocusofthepassage?A.Theimpactofdigitalbankingonruraleconomies.B.Thebenefitsofdigitalbankinginurbanareas.C.Thechallengesfacedbypostalbanksinmodernizingservices.D.Theroleofpostalbanksinsupportingruraldevelopment.2.Passage2(2分)Title:FinancialLiteracyProgramsinShanghaiContent:TheShanghaigovernmenthaslaunchedaseriesoffinancialliteracycampaignstoimprovepublicunderstandingofbankingproducts.ChangningDistrict,knownforitshighconcentrationofyoungprofessionals,hasseenasignificantincreaseinparticipationrates.Workshopsareheldmonthly,coveringtopicssuchasinvestmentstrategies,debtmanagement,andfraudprevention.Aparticipant,surnamedLi,notedthatsuchprogramshadhelpedhermakemoreinformeddecisionsabouthersavings.However,thebankreportedthatmanyelderlyresidentsstillstrugglewithdigitalbankingtools,highlightingtheneedfortargetededucation.Question:WhatdoesthepassagesuggestaboutelderlyresidentsinChangningDistrict?A.Theyarehighlyskilledinusingdigitalbankingtools.B.Theyprefertraditionalbankingmethods.C.Theylackaccesstofinancialeducationprograms.D.Theyarenotinterestedinlearningaboutbankingproducts.3.Passage3(2分)Title:TheRoleofPostalBanksinSupportingSmallBusinessesContent:SmallbusinessesinShanghai’sChangningDistrictfacechallengesinsecuringloansduetolimitedcollateral.PostalBankofChinahasimplementedaspecialloanprogramtoaddressthisissue,offeringflexibletermsandlowerinterestrates.Theinitiativehasalreadyhelpedover200localbusinessesexpandtheiroperations.Abusinessowner,Mr.Wang,praisedthebankforitsquickapprovalprocess,whichallowedhimtoinvestinnewequipment.However,thebank’sfinancialanalystwarnedthatsuchprogramscouldincreasecreditrisksifnotproperlymanaged.Question:Whatistheprimarypurposeofthespecialloanprogram?A.Toincreaseprofitsforthebank.B.Tosupportthegrowthofsmallbusinesses.C.Toreducethebank’sexposuretocreditrisks.D.Topromotedigitalbankingadoptionamongentrepreneurs.4.Passage4(2分)Title:GreenBankingInitiativesinShanghaiContent:InlinewithChina’senvironmentalgoals,PostalBankofChinahasintroducedgreenbankinginitiativesintheChangningDistrict.Thebanknowoffersincentivesforcustomerswhoinvestinrenewableenergyprojectsoradopteco-friendlypractices.Alocalsolarenergycompany,GreenTech,receivedaloanfromthebank,whichhelpedtheminstallsolarpanelsacrosstenbuildings.Thebank’ssustainabilityofficer,Ms.Zhang,statedthatsuchmeasuresalignwiththegovernment’spushforcarbonneutrality.However,somecriticsarguethatthebankshoulddomoretosupportgreenindustriesbeyondfinancialincentives.Question:Whatisthemainfocusofthebank’sgreenbankinginitiatives?A.Generatingprofitsfromrenewableenergyprojects.B.PromotingenvironmentalsustainabilityinShanghai.C.Reducingthebank’soperationalcosts.D.Encouragingcustomerstoswitchtodigitalbanking.5.Passage5(2分)Title:TheFutureofBankinginShanghaiContent:AsShanghaicontinuestodevelop,thebankingsectorisexpectedtoevolvefurther.PostalBankofChinaplanstoexpanditsAI-drivenservices,includingchatbotsforcustomersupportandpredictiveanalyticsforriskmanagement.Abankingexpert,Dr.Li,believesthatthesetechnologieswillenhancecustomersatisfactionwhilereducingoperationalcosts.However,someregulatorsarguethatexcessiverelianceonAIcouldleadtoethicalconcerns,suchasdataprivacyissues.Thebank’smanagementiscurrentlyconductingafeasibilitystudytoaddresstheseconcerns.Question:WhatisthepotentialimpactofAI-drivenbankingservices?A.Increasedethicalconcernsaboutdataprivacy.B.Higheroperationalcostsforthebank.C.Improvedcustomersatisfactionandefficiency.D.Ashifttowardtraditionalbankingmethods.6.Passage6(2分)Title:CommunityBankinginChangningDistrictContent:PostalBankofChinahasstrengtheneditscommunitybankingpresenceinChangningDistrictbyopeningthreenewbranchesinunderservedareas.Thesebranchesofferpersonalizedservices,includingfinancialadviceforsmallbusinessownersandelderlyresidents.Abranchmanager,Mr.Chen,notedthatlocalfeedbackhasbeenpositive,withmanycustomersappreciatingthebank’sattentiontotheirneeds.However,thebank’sregionalmanagerwarnedthatmaintainingthesebranchescouldbefinanciallychallengingifcustomervolumesdonotincrease.Question:WhatisthemaingoalofthenewbranchesinChangningDistrict?A.Toincreasethebank’sprofits.B.Toprovidebetterservicestounderservedcommunities.C.Topromotedigitalbankingadoption.D.Toreducethebank’soperationalcosts.7.Passage7(2分)Title:TheImpactofRemoteWorkonBankingServicesContent:TheCOVID-19pandemicacceleratedtheadoptionofremotebankingservicesinShanghai.PostalBankofChinahasadaptedbyofferingvirtualconsultationsandonlineaccountmanagement.Asurveyconductedbythebankfoundthat70%ofcustomerspreferdigitalservicesduetotheirconvenience.However,someemployeesintheChangningDistrictbranchesarguethatremoteworkhasaffectedteamcollaboration.Thebank’sHRdepartmentisexploringwaystobalanceremoteandin-personworktomaintainproductivity.Question:Whathasbeentheeffectofthepandemiconbankingservices?A.Reduceddemandfordigitalbanking.B.Increasedrelianceonremotebankingservices.C.Nosignificantchangeincustomerpreferences.D.Greateremphasisonin-personcustomerinteractions.8.Passage8(2分)Title:TheRoleofPostalBanksinRuralDevelopmentContent:WhileShanghai’surbanareasthrive,ruralregionsstillfacefinancialchallenges.PostalBankofChinahaslaunchedaruraldevelopmentprograminnearbyprovinces,providingmicroloansandagriculturalinsurance.Afarmer,surnamedLiu,receivedaloantoexpandhisricecultivationbusiness,whichhasimprovedhisfamily’sincome.However,thebank’sruraldevelopmentofficer,Ms.Wang,notedthatloanrecoveryratesarelowerinruralareasduetoclimaterisks.Thebankisworkingwithlocalgovernmentstomitigatethesechallenges.Question:Whatistheprimarygoaloftheruraldevelopmentprogram?A.Toincreasethebank’sprofitsinruralareas.B.Tosupportagriculturaldevelopmentandpovertyreduction.C.Toreducethebank’sexposuretocreditrisks.D.Topromotedigitalbankinginruralregions.9.Passage9(2分)Title:FinancialInclusioninShanghai’sImmigrantCommunitiesContent:Shanghai’sgrowingimmigrantpopulationfacesbarriersinaccessingbankingservices.PostalBankofChinahasintroducedmultilingualsupportandsimplifiedapplicationprocessestoaddressthisissue.AlocalNGO,HelpShanghai,partneredwiththebanktoprovidefinancialeducationtoimmigrants.Theprogramhashelpedover500individualsopenbankaccountsandaccesscredit.However,someimmigrantsstillstrugglewithunderstandingcomplexbankingterms,highlightingtheneedforfurtherlanguagesupport.Question:WhatisthemainchallengefacedbyimmigrantcommunitiesinShanghai?A.Limitedaccesstobankingservices.B.Highcostsoffinancialeducationprograms.C.Lackofdigitalbankinginfrastructure.D.Insufficientgovernmentsupport.10.Passage10(2分)Title:TheEvolutionofBankBranchesinShanghaiContent:TraditionalbankbranchesarebeingtransformedintocommunityhubsinShanghai.PostalBankofChinahasconvertedseveralbranchesinChangningDistrictintospacesthatofferfinancialservicesalongsideotheramenities,suchasco-workingareasandfreeWi-Fi.Acustomer,surnamedZhang,praisedthebranchforitsmoderndesignandconvenience.However,someanalystsarguethatsuchtransformationsincreaseoperationalcosts.Thebank’smanagementisevaluatingthesuccessoftheseinitiativesbasedoncustomerfeedbackandrevenuegrowth.Question:Whatisthemainpurposeofconvertingbankbranchesintocommunityhubs?A.Toreducethebank’soperationalcosts.B.Toattractmorecustomersthroughadditionalservices.C.Topromotedigitalbankingoverphysicalbranches.D.Tocomplywithgovernmentregulationsonbranchdesign.二、英語選詞填空（共20題，每題1分，合計(jì)20分）Instructions:Choosethebestwordtofillineachblank.1.TheShanghaigovernmenthasimplementedpoliciesto______economicgrowthintheChangningDistrict.A.boostB.hinderC.stabilizeD.weaken2.PostalBankofChina’sdigitalbankingplatformhas______customersatisfactionbyoffering24/7services.A.improvedB.decreasedC.maintainedD.altered3.Smallbusinessesinruralareasoftenstruggleto______adequatefundingforexpansion.A.accessB.allocateC.generateD.distribute4.Thebank’sgreeninitiativesaimto______itscarbonfootprintthroughsustainablepractices.A.reduceB.increaseC.maintainD.expand5.Financialliteracyprogramsaredesignedto______individualsmakeinformedinvestmentdecisions.A.enableB.discourageC.confuseD.delay6.Theriseoffintechhas______traditionalbankingmethodsinurbanareas.A.revolutionizedB.preservedC.replacedD.complemented7.Communitybankingfocusesonproviding______servicestounderservedpopulations.A.personalizedB.standardizedC.automatedD.remote8.Thebank’sAI-drivenservicesareexpectedto______operationalefficiencyandreducehumanerrors.A.enhanceB.degradeC.diminishD.disrupt9.Remoteworkhas______theneedforphysicalbankbranchesinShanghai.A.increasedB.decreasedC.eliminatedD.preserved10.Theruraldevelopmentprogramaimsto______povertyinnearbyprovinces.A.alleviateB.exacerbateC.ignoreD.eliminate11.Multilingualsupporthelpsimmigrants______bankingservicesmoreeffectively.A.accessB.avoidC.misunderstandD.reject12.Thebank’ssustainabilityofficeremphasizedtheimportanceof______environmentalresponsibilityinbusinesspractices.A.integratingB.neglectingC.opposingD.reducing13.Greenbankinginitiativesencouragecustomersto______renewableenergyprojects.A.investinB.avoidC.criticizeD.abandon14.Thegovernment’sfinancialliteracycampaignshave______publicawarenessaboutfraudprevention.A.raisedB.loweredC.ignoredD.dismissed15.Thebank’snewbranchesinChangningDistrictaredesignedto______financialservicestomoreresidents.A.provideB.restrictC.chargeforD.eliminate16.Digitalbankingtoolshave______theneedforcustomerstovisitphysicalbranches.A.reducedB.increasedC.eliminatedD.preserved17.Thebank’sloanprogramsforsmallbusinessesaimto______economicgrowthintheregion.A.stimulateB.hinderC.stabilizeD.weaken18.TheriseofAIinbankinghas______concernsaboutdataprivacyandsecurity.A.raisedB.resolvedC.dismissedD.ignored19.Communitybankinginitiativesfocuson______theneedsoflocalresidents.A.meetingB.ignoringC.exceedingD.reducing20.Thebank’seffortsto______sustainabilityhavebeenpraisedbyenvironmentaladvocates.A.promoteB.undermineC.ignoreD.neglect答案及解析一、英語閱讀理解答案及解析1.B-解析:Thepassageprimarilydiscussesthebenefitsofdigitalbankinginurbanareas,particularlyShanghai,highlightinghowPostalBankofChinahasintroducedinnovativeservicestomeetcustomerdemand.2.B-解析:ThepassagementionsthatworkshopsinChangningDistricthaveimprovedfinancialliteracyamongyoungprofessionals,suggestingthatdigitalbankingadoptionisontherise.3.B-解析:Thepassagefocusesonthebank’sloanprogramtosupportsmallbusinessesinChangningDistrict,emphasizingitspositiveimpactonbusinessgrowth.4.B-解析:Thepassagehighlightsthebank’sgreenbankinginitiatives,suchasincentivesforrenewableenergyprojects,aligningwithShanghai’senvironmentalgoals.5.C-解析:ThepassagesuggeststhatAI-drivenbankingserviceswillenhancecustomersatisfactionandefficiency,asperabankingexpert’sview.6.B-解析:ThepassagediscussestheexpansionofcommunitybankinginChangningDistricttoserveunderservedareas,implyingafocusonpersonalizedservices.7.B-解析:Thepassagenotesthatthepandemichasledtoincreasedrelianceonremotebankingservicesduetocustomerpreferences.8.B-解析:Thepassagefocusesonthebank’sruraldevelopmentprogram,whichaimstosupportagriculturalgrowthandreducepovertyinnearbyprovinces.9.A-解析:Thepassagementionsthatimmigrantsfacebarriersinaccessingbankingservices,andthebank’smultilingualsupporthelpsthemovercomethesechallenges.10.B-解析:ThepassagediscussesthetransformationofbankbranchesintocommunityhubsinChangningDistrict,aimingtoattractmorecustomersthroughadditionalservices.二、英語選詞填空答案及解析1.A-解析:"Boost"fitsthecontext,asthegovernment’spoliciesaimtoenhanceeconomicgrowth.2.A-解析:"Improved"alignswiththeideathatdigitalbankinghasenhancedcustomersatisfaction.3.A-解析:"Access"isthemostsuitab