郵儲銀行沈陽市沈北新區(qū)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（共10題，每題2分，合計20分）背景：郵儲銀行沈陽市沈北新區(qū)2025秋季招聘面向金融行業(yè)從業(yè)者，考察閱讀理解與信息提取能力。文章涉及銀行業(yè)務(wù)、區(qū)域經(jīng)濟發(fā)展及金融科技等內(nèi)容。1.題干：閱讀以下文章，回答問題："AsChina'snorthernfinancialhub,Shenyang'sShengbeiNewAreaisactivelyattractingbankingtalentwithitsdigitaltransformationpolicies.ThePostalSavingsBankplanstoexpanditsruralfinanceservicesbyleveragingbigdataandblockchaintechnology.Localbusinesses,especiallySMEs,benefitfromstreamlinedloanapprovalprocesses,reducingwaitingtimesfromweekstodays.However,challengesremain,suchascybersecurityrisksandtalentshortagesinfintech."問題：WhatisthemainfocusofShengbeiNewArea'sbankingstrategy?選項：A)IncreasingruralsavingsratesB)EnhancingdigitalfinancialservicesC)RestructuringurbanbankinginfrastructureD)Promotingforeigninvestmentinfintech2.題干：閱讀以下段落，回答問題："ThePostalSavingsBankhaslaunchedapilotprograminShenyangtointegrateAI-poweredchatbotsforcustomerservice.Thesystemprocesses80%ofinquirieswithouthumanintervention,freeingupstaffforcomplexcases.Despitesuccess,bankofficialsnotethatemotionalintelligenceinAIinteractionsremainsachallenge.Customersatisfactionsurveysshowa15%preferenceforlivesupportwhenhandlingsensitivetransactions."問題：WhatistheprimarybenefitoftheAIchatbotprogram?選項：A)FullautomationofcustomerserviceB)Improvedefficiencyforhigh-volumequeriesC)EnhancedsecurityfordigitaltransactionsD)Expansionofbankinghours3.題干：閱讀以下文章，回答問題："Shenyang’seconomicrecoverypost-pandemichasbeendrivenbyitslogisticssector,supportedbythePostalSavingsBank’sgreenfinancinginitiatives.Thebankprovideslow-interestloanstoenterprisesusingelectricvehiclesforlast-miledelivery,reducingcarbonemissionsby30%intheregion.However,competitorsarguethatstricterenvironmentalregulationsmayincreaseoperationalcostsforSMEs."問題：HowdoesthePostalSavingsBankcontributetoShenyang’slogisticsindustry?選項：A)ByofferingcreditlinesforrealestateprojectsB)Throughenergy-efficientinfrastructureloansC)WithtargetedfinancingforsustainablelogisticsD)Byestablishingdistributioncentersinsuburbanareas4.題干：閱讀以下段落，回答問題："Thebank’snewmobileappincludesafeatureforreal-timefinancialhealthassessments,usingalgorithmstoanalyzeusers’spendinghabits.Asurveyof2,000customersinShenyangfoundthat60%adoptedthetoolforbudgeting,though40%reportedprivacyconcerns.Thebankplanstoanonymizedataandenhanceencryptionbeforethenextupdate."問題：Whatisthepotentialdrawbackofthefinancialassessmenttool?選項：A)HighsubscriptionfeesforpremiumfeaturesB)DatasecurityandprivacyissuesC)LimitedcompatibilitywithforeignpaymentsystemsD)Insufficientsupportforelderlyusers5.題干：閱讀以下文章，回答問題："ShengbeiNewArea’sgovernmenthaspartneredwiththePostalSavingsBanktodigitizeruralfinancialrecords,improvingtransparencyforsmallfarmers.Theprojectincludestrainingworkshopsonblockchain-basedrecord-keeping,whichreducesfraudincropinsuranceclaimsby25%.However,somelocalofficialsworryaboutthedigitaldivide,as35%ofruralhouseholdslackreliableinternetaccess."問題：Whatisthekeyinnovationofthegovernment-bankcollaboration?選項：A)Traditionalpaper-basedauditsystemsB)BlockchaintechnologyforagriculturalfinanceC)CashlesspaymentinitiativesinurbanmarketsD)Subsidiesforruralbankinginfrastructure6.題干：閱讀以下段落，回答問題："ThePostalSavingsBankhasintroducedaloyaltyprograminShenyang,rewardingcustomerswithpointsfortransactionsatlocalSMEs.Ayear-longpilotprogramsawa20%increaseinmerchantpartnershipsanda15%riseincustomerengagement.However,30%ofparticipantsreportedconfusionoverrewardredemptionrules."問題：Whatisthemainchallengeoftheloyaltyprogram?選項：A)LowparticipationratesamongyouthB)ComplexityinrewardredemptionC)Insufficientincentivesforhigh-valuecustomersD)Lackofintegrationwithcompetitorplatforms7.題干：閱讀以下文章，回答問題："Shenyang’semergingfintechstartupsfacechallengesinsecuringfundingduetoregulatoryuncertainties.ThePostalSavingsBankhasrespondedbylaunchingaventurecapitalarm,specializinginearly-stagetechfirms.Theinitiativeaimstofillagapleftbytraditionalinvestors,whoprioritizeestablishedbusinesses.AsofJune2024,12startupsinShengbeiNewAreahavereceivedfundingthroughthisprogram."問題：Whyisthebank’sventurecapitalarmneeded?選項：A)TocompetewithinternationalbanksinglobalmarketsB)TosupportinnovationinlocalfintechC)ToreduceitsrelianceongovernmentsubsidiesD)Toexpanditswealthmanagementservices8.題干：閱讀以下段落，回答問題："ThebankhasimplementedabiometricauthenticationsystemacrossitsATMsinShenyang,replacingpasswordswithfingerprintandfacialrecognition.Astudyshowedthatfraudcasesdroppedby50%aftertheupgrade.However,25%ofelderlycustomersreporteddifficultiesusingthetechnologyduetopoorvisionorsmartphoneincompatibility."問題：Whatisthemainbenefitofthebiometricsystem?選項：A)FastertransactionspeedsB)EnhancedsecurityagainstfraudC)ReducedmaintenancecostsforATMsD)Increasedadoptionofmobilebanking9.題干：閱讀以下文章，回答問題："ShengbeiNewArea’stourismindustryisgrowing,withthePostalSavingsBankofferingcreditlinesforlocaltouroperators.Thebankalsopartneredwithtransportationcompaniestoprovidetravelinsuranceforforeigntourists.Thesemeasureshaveboostedbookingsby40%sincethepilotprogrambeganinApril2024.However,15%ofinsurersreportedhigherclaimsduetoextremeweatherevents."問題：Howdoesthebanksupportthetourismsector?選項：A)ByinvestinginhotelchainsindowntownShenyangB)ThroughcustomizedloansandinsuranceproductsC)BybuildingtourisminfrastructurewithgovernmentfundsD)Bypromotingdomestictourismoverinternationaltravel10.題干：閱讀以下段落，回答問題："Thebank’sinternalauditteamhasidentifiedrisksinitsloanapprovalsystem,particularlyforSMEsinShenyang’sconstructionindustry.Toaddressthis,thebankhasintroducedarevisedscoringmodelthatincorporatesenvironmentalandsocialimpactfactors.Smallcontractorswhoadoptgreenconstructionpracticesnowqualifyforlowerinterestrates.However,20%oftraditionalbuildershavefiledcomplaints,arguingthatthenewrequirementsincreaseprojectcosts."問題：Whatistheprimarygoaloftherevisedloanmodel?選項：A)Toreducedefaultratesamonghigh-riskborrowersB)TopromotesustainabledevelopmentinconstructionC)Toincreasethebank’sloanportfoliovolumeD)Toalignwithinternationalfinancialstandards選詞填空（共20題，每題1分，合計20分）背景：考察詞匯在銀行業(yè)務(wù)和區(qū)域經(jīng)濟場景中的應(yīng)用能力。11.空格：ThePostalSavingsBank’sstrategytoattracttechtalentinShenyanginvolvesofferingcompetitivesalariesandinnovativeworkenvironments.Thecompanyaimsto__________theregionasahubforfintechinnovation.選項：A)positionB)integrateC)evaluateD)invest12.空格：LocalSMEsinShengbeiNewAreahavebenefitedfromthebank’s__________digitalpaymentsolutions,whichreducetransactionfeesandimprovecashflow.選項：A)efficientB)flexibleC)scalableD)traditional13.空格：TheAI-poweredchatbotsystemhassignificantly__________customerserviceefficiency,allowingthebanktohandlemoreinquiriessimultaneously.選項：A)reducedB)increasedC)standardizedD)automated14.空格：Thebank’sgreenfinancinginitiativeshave__________ruralelectrificationprojects,contributingtotheregion’senergytransitiongoals.選項：A)supportedB)delayedC)criticizedD)replaced15.空格：Duetoregulatorychanges,thebankhashadto__________itsriskassessmentprocedurestoensurecompliancewithnewfinanciallaws.選項：A)simplifyB)adjustC)expandD)ignore16.空格：Theloyaltyprogramhas__________customerretentionrates,ascustomersareincentivizedtousethebank’sservicesmorefrequently.選項：A)declinedB)stabilizedC)improvedD)fluctuated17.空格：FintechstartupsinShenyangoftenstruggleto__________sufficientfunding,astraditionalbanksarehesitanttoinvestinunproventechnologies.選項：A)secureB)withdrawC)allocateD)reject18.空格：Thebiometricauthenticationsystemhas__________fraudincidentsby50%,makingitoneofthebank’smostsuccessfulsecurityupgrades.選項：A)minimizedB)maximizedC)justifiedD)complicated19.空格：Thebank’spartnershipwithtransportationcompanieshas__________travelinsurancecoveragefortourists,enhancingtheoveralltravelexperience.選項：A)limitedB)expandedC)standardizedD)canceled20.空格：Therevisedloanmodelencouragessustainableconstructionby__________environmentalfactorsintocreditevaluations.選項：A)excludingB)incorporatingC)penalizingD)ignoring21.空格：Thebank’smobileapphas__________userengagementbyprovidingpersonalizedfinancialinsightsandreal-timenotifications.選項：A)decreasedB)maintainedC)increasedD)diversified22.空格：LocalofficialsinShengbeiNewAreahave__________thedigitizationofruralfinancialrecordsasakeysteptowardmodernizingtheagriculturalsector.選項：A)criticizedB)supportedC)delayedD)overlooked23.空格：ThePostalSavingsBank’sventurecapitalarmhas__________early-stagefintechfirms,fillingagapintheregion’sstartupecosystem.選項：A)supportedB)rejectedC)expandedD)underutilized24.空格：Thebank’scybersecurityteamhas__________measurestoprotectcustomerdatafromincreasinglysophisticatedonlinethreats.選項：A)strengthenedB)weakenedC)ignoredD)simplified25.空格：Theloyaltyprogram’ssuccesshaspromptedthebankto__________morerewardsforhigh-valuecustomersinShenyang.選項：A)reduceB)maintainC)increaseD)eliminate26.空格：Thegovernment’sfinancialdigitizationprojectinShengbeiNewAreaaimsto__________thegapbetweenurbanandruralbankingservices.選項：A)widenB)closeC)exploitD)maintain27.空格：Thebank’sgreenfinancingpolicieshave__________investmentsinrenewableenergyprojects,aligningwithChina’scarbonneutralitygoals.選項：A)reducedB)increasedC)delayedD)eliminated28.空格：TheAIchatbotsystemhas__________theworkloadforhumancustomerserviceagents,allowingthemtofocusoncomplexissues.選項：A)reducedB)expandedC)centralizedD)diversified29.空格：Thebank’sbiometricauthenticationsystemhas__________userconveniencewhilemaintaininghighsecuritystandards.選項：A)compromisedB)improvedC)reducedD)eliminated30.空格：Therevisedloanmodelhas__________compliancewithenvironmentalregulations,reducingtheriskoflegalpenaltiesforborrowers.選項：A)ensuredB)jeopardizedC)relaxedD)ignored答案及解析英語閱讀理解1.答案：B解析：文章強調(diào)利用大數(shù)據(jù)和區(qū)塊鏈技術(shù)發(fā)展數(shù)