郵儲銀行銀川市靈武市2025秋招筆試英語閱讀＋選詞題專練30題及答案英語閱讀理解（15題，每題2分，共30分）1.（2分）AstudyconductedbytheChinaPostBankinLinyiCityfoundthatruralresidents'financialliteracyhasimprovedsignificantlyoverthepastfiveyears.Thisislargelyattributedtothebank'sruralfinancialeducationprogram,whichincludesworkshopsandmobilebankingservices.However,challengesremain,particularlyinareaswithlimitedinternetaccess.Thestudysuggeststhatcombiningtraditionalmethodswithdigitaltoolscouldfurtherenhanceparticipation.Whatisthemainfindingofthestudy?A.Ruralresidentslackfinancialeducation.B.Thebank’sprogramhasbeenineffective.C.Financialliteracyhasimprovedbutchallengespersist.D.Internetaccessistheonlysolution.2.（2分）ThelocalgovernmentofLingwuCityhaslaunchedanewpolicytopromotegreenbanking.PostBankhasbeenselectedasapilottoimplementthispolicy,whichrequiresreducingpaperusageby30%andincreasingdigitaltransactions.Employeesaretrainedtoencouragecustomerstousemobilebankinginsteadofvisitingbranches.Howwillthispolicybenefittheenvironment?A.Itwillreducegovernmentexpenses.B.Itwilldecreasepaperwaste.C.Itwillincreasebankprofits.D.Itwillboostruraleconomies.3.（2分）AreportbytheNationalBureauofStatisticsshowsthattheruralcreditmarketinNingxiahasgrownby15%in2024.PostBank’scontributiontothisgrowthisnotable,especiallyinlendingtosmall-scalefarmers.Thebank’slow-interestloanshavehelpedmanyfarmersexpandtheirbusinesses.Whatdoesthisindicateaboutthebank’srole?A.Thebankislosingmoneyonruralloans.B.Thebankisnotcompetitiveinurbanareas.C.Thebanksupportsruraleconomicdevelopment.D.Thebankprioritizesurbancustomers.4.（2分）TheLingwubranchofPostBankhasintroducedanewsavingsproductcalled"RuralHarmony,"designedforlow-incomefamilies.Theproductoffershigherinterestratesfordepositsoverfiveyears,withadditionalbenefitslikeinsurancecoverage.Whyisthisproductimportantforthebank?A.Itincreasesfeesforcustomers.B.Ittargetswealthierclients.C.Itpromotesfinancialinclusion.D.Itreplacestraditionalbankingservices.5.（2分）AcustomercomplainstotheLingwubranchthattheironlinetransfertoaPostBankaccountinYinchuanhasbeendelayed.Thebranchmanagerexplainsthatthedelayisduetoasystemupgrade,whichistemporary.Whatshouldthemanageremphasizetothecustomer?A.Thebankislosingmoneyontransfers.B.Thetransferwillneverbecompleted.C.Theissueistemporaryandbeingresolved.D.Thecustomershoulduseanotherbank.6.（2分）TheChinaPostBankhasannouncedapartnershipwiththeLingwuAgriculturalDevelopmentCorporationtoprovideloansformodernfarmingequipment.Thisinitiativeaimstohelpfarmersadopttechnologylikedronesandautomatedirrigationsystems.Howwillthisaffectruraleconomies?A.Itwillincreaseruralunemployment.B.Itwillimproveagriculturalefficiency.C.Itwillreducegovernmentsubsidies.D.Itwilldecreaserural-urbanmigration.7.（2分）AsurveyofPostBankemployeesinLingwurevealslowjobsatisfactionduetolongworkinghoursandinsufficientbenefits.Thebank’sHRdepartmentplanstointroduceflexibleworkinghoursandperformancebonuses.Whatisthelikelyoutcomeofthesechanges?A.Employeeturnoverwillincrease.B.Customerservicewilldecline.C.Employeemoralewillimprove.D.Bankprofitswilldecrease.8.（2分）TheLingwubranchofPostBankhasfacedcriticismforitsslowresponsetoruralcustomers’needs.Anewbranchmanagerishiredtoimproveservicequality.Whatshouldbethemanager’sfirststep?A.Reducethenumberofstaff.B.Increasefeesforruralcustomers.C.Gatherfeedbackfromcustomers.D.Closethebranchduetolosses.9.（2分）AcustomerasksatellerattheLingwubranchwhethertheycanopenajointaccountwithanon-localresident.Thetellerexplainsthatthisispossiblebutrequiresadditionalverification.Whatisthereasonforthis?A.Non-localresidentscannottrust.B.Bankregulationsrequireproofofaddress.C.Thecustomerisnotwealthyenough.D.Thebankpreferslocalclients.10.（2分）PostBankhaslaunchedamobileappinLingwuthatallowscustomerstopayutilitybillsandmakegovernmenttransfers.Howwillthisaffectthebank’soperations?A.Itwillincreasebranchtraffic.B.Itwillreducedigitaltransactions.C.Itwillimprovecustomerconvenience.D.Itwillrequiremorestafftraining.11.（2分）AreporthighlightsthegrowingtrendofdigitalbankinginruralChina.PostBank’smobileapphasseena40%increaseinusersinLingwusinceitslaunch.Whatistheimplicationofthistrend?A.Ruralcustomerspreferphysicalbranches.B.Digitalbankingisnotsecure.C.Technologyadoptionisincreasing.D.Thebankshouldclosephysicalbranches.12.（2分）TheLingwubranchofPostBankhasintroducedaloyaltyprogramthatoffersdiscountstofrequentcustomers.Howwillthisprogrambenefitthebank?A.Itwillincreasefees.B.Itwillreduceprofits.C.Itwillretaincustomers.D.Itwillattractruralcompetitors.13.（2分）Acustomercomplainsabouthighfeesforsmalltransactions.Thebank’sresponseistointroduceanewfeestructurethatchargesonlyfortransactionsaboveacertainamount.Howwillthisaffectthebank?A.Itwillreducerevenue.B.Itwillincreasecustomercomplaints.C.Itwillbenefitsmallsavers.D.Itwillrequiremorestafftoexplainchanges.14.（2分）PostBankhasbeencriticizedforitsslowloanapprovalprocessinLingwu.Thebankplanstohiremorestaffandimproveitsdigitalsystems.Whatisthelikelyimpactofthesechanges?A.Loanapprovaltimeswillremainthesame.B.Loaninterestrateswillincrease.C.Morepeoplewillgetloans.D.Bankexpenseswillrise.15.（2分）AstudyshowsthatruralresidentsinLingwuprefertosavemoneyinphysicalcashratherthaninbanks.Whymightthisbethecase?A.Banksaretoofaraway.B.Customersdistrustbanks.C.Interestratesaretoolow.D.Alloftheabove.選詞填空（15題，每題2分，共30分）Instructions:Choosethebestwordtofillineachblank.1.TheruralfinancialeducationprograminLingwuCityhas______asignificantimpactonlocalresidents'savingshabits.A.hadB.havingC.hashadD.hadhad2.PostBank’snewmobileappisdesignedto______financialservicesmoreaccessibletofarmersinremoteareas.A.makeB.makesC.makingD.made3.Despitethechallenges,thebank’sruralcreditpolicies______beeneffectiveinsupportingsmallbusinesses.A.haveB.hasC.hadD.were4.TheLingwubranchis______toopenanewservicecentertobetterservethegrowingpopulation.A.planB.plansC.plannedD.planning5.FarmersinNingxiahave______benefitedfromthelow-interestloansprovidedbyPostBank.A.muchB.manyC.moreD.most6.Thebank’sHRdepartmentis______measurestoimproveemployeesatisfaction.A.takeB.takingC.takesD.took7.Thenewsavingsproduct,"RuralHarmony,"______higherinterestratesthantraditionalaccounts.A.offersB.offerC.offeredD.offering8.CustomersinLingwuareencouragedto______digitalbankingtosavetimeandmoney.A.useB.usingC.usesD.used9.TheLingwubranchhas______facedcriticismforitsslowresponsetocustomercomplaints.A.everB.alwaysC.neverD.often10.Thebank’sdigitalsystemis______upgradedtohandlemoretransactionsefficiently.A.beingB.beenC.wasD.are11.RuralresidentsinLingwu______savingmoneyinbanksduetolowinterestrates.A.reluctantB.reluctanceC.relucantlyD.reluctant’s12.PostBank’sruraldevelopmentinitiatives______thelocaleconomyinLingwu.A.boostB.boostsC.boostedD.boosting13.Thenewfeestructure______toreduceunnecessarychargesforsmallsavers.A.aimedB.aimsC.aimedatD.aimingat14.Thebank’sloyaltyprogram______customerstospendmorefrequently.A.encourageB.encouragesC.encouragedD.encouraging15.TheruralcreditmarketinNingxia______grownby15%inthepastyear.A.hasB.haveC.hadD.was答案及解析英語閱讀理解（15題）1.C.Financialliteracyhasimprovedbutchallengespersist.解析：文章指出金融素養(yǎng)有所提升，但仍有挑戰(zhàn)，故C正確。2.B.Itwilldecreasepaperwaste.解析：政策要求減少紙質(zhì)使用，故B正確。3.C.Thebanksupportsruraleconomicdevelopment.解析：銀行通過低息貸款幫助農(nóng)民發(fā)展，故C正確。4.C.Itpromotesfinancialinclusion.解析：產(chǎn)品針對低收入群體，屬于普惠金融，故C正確。5.C.Theissueistemporaryandbeingresolved.解析：經(jīng)理應(yīng)安撫客戶，說明問題會解決，故C正確。6.B.Itwillimproveagriculturalefficiency.解析：科技助農(nóng)能提升效率，故B正確。7.C.Employeemoralewillimprove.解析：改善工作條件能提升士氣，故C正確。8.C.Gatherfeedbackfromcustomers.解析：了解需求是改善服務(wù)的第一步，故C正確。9.B.Bankregulationsrequireproofofaddress.解析：銀行規(guī)定需要地