郵儲銀行湘潭市岳塘區(qū)2025秋招筆試英語閱讀理解題專練30題及答案一、細節(jié)理解題（共10題，每題2分）要求：根據文章內容，選擇最符合原文意思的選項。1.(2分)ThePostalServiceBankofChinahasbeenexpandingitsbranchnetworkinXiangtanYutangDistrictrecentlytobetterservelocalbusinessesandsmallenterprises.Duringthe2023-2024financialyear,thecompanyopened12newbranches,anincreaseof30%comparedwiththepreviousyear.Accordingtotheseniormanager,ZhangLiang,thefocusisonprovidingcustomizedfinancialservicesforlocals,especiallyformicro-enterprises.Whichofthefollowingisthereasonfortheincreaseinbranches?A.Toincreaseprofitmargin.B.Toenhancelocalbusinesssupport.C.Toattractmoregovernmentfunding.D.Toexpanditsretailmarketshare.2.(2分)InXiangtan,YutangDistricthasseveralkeyindustries,suchasautomotiveandelectronicsmanufacturing.Localgovernmenthasbeenencouragingbankstoplatformsustainabledevelopmentbyofferinglow-interestloansonenergy-efficientprojects.Arecentreportshowsthatover50%ofsmallbusinessesinthisdistricthavebenefitedfromsuchpolicies,leadingtoareductionofabout15%intheiroperationalcosts.Whatisthepurposeoftheseloanprograms?A.Toboostgovernmentrevenue.B.Tohelpbusinessescutexpenses.C.Toexpandgovernmentinfluence.D.Toencouragelarge-scaleinvestment.3.(2分)ThePostalServiceBankhasintroducedanewmobileappforcustomersinYutangDistrict,whichintegratesonlinebankingwithsmartcontracttechnologytoimprovetransactionsecurity.Accordingtouserfeedback,theproducthasreducedtransactionerrorsby40%sinceitslaunchlastmonth.Howhasthestepmenthelpedcustomers?A.Byofferingmoreinterest-bearingproducts.B.Byenhancingtransactionefficiency.C.Byincreasingbranchtraffic.D.Byproviding24/7customersupport.4.(2分)XiangtanYutangDistrictiswell-knownforitsrobustsmallbusinessenvironment.Accordingtothestatistics,over80%ofthesmallscaleenterprisesinthisareaaresolelydependentonbankloansoncreditcards.Banksofferingsuchservicesplaysacrucialroleinmaintainingthelocaleconomy.Whatisthemainfinancialtoolusedbysmallbusinesses?A.Fixeddeposits.B.Businessloans.C.Investmentfunds.D.Governmentgrants.5.(2分)ThePostalServiceBankhasalsodevelopedaspecializedprogramforfarmersinYutangDistrict,providingmicroloansonagriculturaltechnologyupgrades.AfarmernamedWangFengsaidtheloansenabledhimtoinstallmodernirrigation_systems,increasinghiscropyieldby30%.Whatistheprimaryobjectiveofthisprogram?A.Toencourageurbanization.B.Tomodernizeagriculture.C.Toreducebankrisks.D.Toincreasegovernmentspending.6.(2分)Inrecentyears,XiangtanYutangDistricthasseenagrowthinitsdigitalbankingsector.LocalbanksarenowofferingAI-drivenfinancialadvisories,whichhelpcustomersmakemoreinformedinvestmentdecisions.Asurveyshowsthat60%ofyoungprofessionalsinthisdistrictnowpreferdigitalservicesovertraditionalbanks.Whatistheadvantageofdigitalbanking?A.Loweroperationalcosts.B.Bettercustomerengagement.C.Higherprofitmargin.D.Greatergovernmentcontrol.7.(2分)ThePostalServiceBankhasalsostartedtooffergreenloansonrenewableenergyprojectsinYutangDistrict,aimingtobuildasustainablefuture.Aprojectmanageratthebank,saidtheinitiativewouldsupportthesetupofsolarpanelsandwindturbinesinruralareas.Whatisthepurposeofthegreenloanprogram?A.Topromoteenvironmentallyfriendlyprojects.B.Toincreasebankcapital.C.Toattractmorecustomers.D.Tofulfillgovernmentmandates.8.(2分)InXiangtanYutangDistrict,smallbusinessesareoftenfacedwithshort-termcashflowissues.Banksofferingsmall-loanproductswithflexiblerepaymenttermscanhelpthemovercomethesechallenges.Alocalbusinessowner,ZhangMei,notedthatsuchloansonhercompany’srecoveryfromtheCOVID-19pandemic.Whatisthemainbenefitoftheseloans?A.Lowerinterestrates.B.Fasterapprovalprocess.C.Moreloanamount.D.Easierrepaymentoptions.9.(2分)ThePostalServiceBankhasalsodeployedblockchaintechnologynetworkinYutangDistrict,whichcanimprovetransactiontransparencyandreducefraud.Accordingtothebank,thistechnologyhascutfraudcasesby25%sinceitsimplementationlastyear.Howhasblockchaintechnologyhelpedthebank?A.Byreducingoperationalcosts.B.Byenhancingsecurity.C.Byincreasingcustomerbase.D.Byimprovingloanapprovalrates.10.(2分)ThePostalServiceBankhaslaunchedaspecialscholarshipprogramforstudentsinXiangtanYutangDistrict,focusingonSTEMfields.Theinitiativeaimstoencouragemoreyoungpeopletopursuecareersinfinanceandtechnology.Accordingtothebank,90%ofscholarshiprecipientshavechosentoworkinthebankingsectoraftergraduation.Whatistheprimarygoalofthisprogram?A.Toincreasegovernmentrevenue.B.Todeveloplocaltalent.C.Topromotethebank’sbrand.D.Toattractforeigninvestment.二、主旨大意題（共5題，每題3分）要求：根據文章內容，選擇最能概括文章主旨的選項。11.(3分)ThePostalServiceBankhasbeenactivelysupportingsmallbusinessesinXiangtanYutangDistrictbyofferingcustomizedfinancialservices,includinglow-interestloansonenergy-efficientprojectsandsmartcontract-enabledmobileapps.Accordingtothereport,thesestrategieshavesignificantlycontributedtothearea’seconomicgrowth.Whatisthemainfocusofthearticle?A.Governmentpolicyonbanking.B.Thegrowthofsmallbusinesses.C.Theinnovationoffinancialtechnology.D.Thechallengesinruralbanking.12.(3分)Inrecentyears,XiangtanYutangDistricthasseenamajorshifttowardsdigitalbanking.LocalbanksarenowofferingAI-drivenfinancialadvisories,blockchain-basedtransactions,andspecializedprogramsforfarmersandstudents.Accordingtothestatistics,over70%ofyoungprofessionalsnowpreferdigitalservices.Whatisthemainmessageofthestory?A.Digitalbankingisfuture-proof.B.Youngergenerationsprefertraditionalservices.C.Ruralbankingisdeclining.D.Governmentpolicyfavorstraditionalbanks.13.(3分)ThePostalServiceBankhasalsodevelopedaspecializedprogramforfarmersinYutangDistrict,providingmicroloansonagriculturaltechnologyupgrades.AfarmernamedWangFengsaidtheloansenabledhimtoinstallmodernirrigation_systems,increasinghiscropyieldby30%.Whatisthemainobjectiveofthestory?A.Tohighlightgovernmentfunding.B.Toemphasizeagriculturalmodernization.C.Toencourageurbanization.D.Tocontrasturbanandruralbanking.14.(3分)ThePostalServiceBankhasalsostartedtooffergreenloansonrenewableenergyprojectsinYutangDistrict,aimingtobuildasustainablefuture.Aprojectmanageratthebank,saidtheinitiativewouldsupportthesetupofsolarpanelsandwindturbinesinruralareas.Whatisthemainfocusofthestory?A.Governmentpolicyonenergy.B.Thebank’sgreeninitiatives.C.Ruraldevelopment.D.Thecostofrenewableenergy.15.(3分)InXiangtanYutangDistrict,smallbusinessesareoftenfacedwithshort-termcashflowissues.Banksofferingsmall-loanproductswithflexiblerepaymenttermscanhelpthemovercomethesechallenges.Alocalbusinessowner,ZhangMei,notedthatsuchloansonhercompany’srecoveryfromtheCOVID-19pandemic.Whatisthemainmessageofthestory?A.Smallbusinessesneedflexibleloans.B.Banksarehelpingeconomyrecover.C.Governmentpolicyboostsbusinessgrowth.D.Traditionalbanksareoutdated.三、推理判斷題（共5題，每題3分）要求：根據文章內容，選擇最合理的推論。16.(3分)ThePostalServiceBankhasintroducedanewmobileappforcustomersinYutangDistrict,whichintegratesonlinebankingwithsmartcontracttechnologytoimprovetransactionsecurity.Accordingtouserfeedback,theproducthasreducedtransactionerrorsby40%sinceitslaunchlastmonth.Whatislikelythefuturetrendoffinancialtechnology?A.Moretraditionalbrick-and-mortarbranches.B.Increaseduseoffintech.C.Lessgovernmentregulation.D.Higherinterestrates.17.(3分)ThePostalServiceBankhasalsodeployedblockchaintechnologynetworkinYutangDistrict,whichcanimprovetransactiontransparencyandreducefraud.Accordingtothebank,thistechnologyhascutfraudcasesby25%sinceitsimplementationlastyear.Whatisthepotentialimpactofblockchainonotherbanks?A.Theywilldisappear.B.Theywilladoptsimilartechnology.C.Theywillfocusmoreonofflinebanks.D.Theywillreducecustomerinteraction.18.(3分)ThePostalServiceBankhaslaunchedaspecialscholarshipprogramforstudentsinXiangtanYutangDistrict,focusingonSTEMfields.Theinitiativeaimstoencouragemoreyoungpeopletopursuecareersinfinanceandtechnology.Accordingtothebank,90%ofscholarshiprecipientshavechosentoworkinthebankingsectoraftergraduation.Whatisthebank’sstrategyforlong-termgrowth?A.Toincreasegovernmentfunding.B.Toattracttalentedyoungprofessionals.C.Toexpanditsretailmarket.D.Toencourageurbanization.19.(3分)InXiangtanYutangDistrict,smallbusinessesareoftenfacedwithshort-termcashflowissues.Banksofferingsmall-loanproductswithflexiblerepaymenttermscanhelpthemovercomethesechallenges.Alocalbusinessowner,ZhangMei,notedthatsuchloansonhercompany’srecoveryfromtheCOVID-19pandemic.Whatisthefutureofsmallbusinessloans?A.Morestringentcreditchecks.B.Greaterflexibility.C.Higherinterestrates.D.Lessgovernmentsupport.20.(3分)ThePostalServiceBankhasalsostartedtooffergreenloansonrenewableenergyprojectsinYutangDistrict,aimingtobuildasustainablefuture.Aprojectmanageratthebank,saidtheinitiativewouldsupportthesetupofsolarpanelsandwindturbinesinruralareas.Whatisthefutureofgreenfinance?A.Itwilldecline.B.Itwillbecomemorepopular.C.Itwillbecontrolledbygovernments.D.Itwillfocusonlyonurbanareas.四、詞義猜測題（共5題，每題3分）要求：根據上下文，猜測劃線單詞的意思。21.(3分)ThePostalServiceBankhasbeenexpandingitsbranchnetworkinXiangtanYutangDistrictrecentlytobetterservelocalbusinessesandsmallenterprises.Duringthe2023-2024financialyear,thecompanyopened12newbranches,anincreaseof30%comparedwiththepreviousyear.Accordingtotheseniormanager,ZhangLiang,thefocusisonprovidingcustomizedfinancialservicesforlocals,especiallyformicro-enterprises.Whatdoes“micro-enterprises”mostlikelymean?A.Largecompanies.B.Medium-sizedbusinesses.C.Smallbusinesses.D.Governmententities.22.(3分)InXiangtanYutangDistrict,smallbusinessesareoftenfacedwithshort-termcashflowissues.Banksofferingsmall-loanproductswithflexiblerepaymenttermscanhelpthemovercomethesechallenges.Alocalbusinessowner,ZhangMei,notedthatsuchloansonhercompany’srecoveryfromtheCOVID-19pandemic.Whatdoes“cashflowissues”mostlikelymean?A.Lackofcapital.B.Highinterestrates.C.Excessivegovernmentregulation.D.Overstaffing.23.(3分)ThePostalServiceBankhasalsodeployedblockchaintechnologynetworkinYutangDistrict,whichcanimprovetransactiontransparencyandreducefraud.Accordingtothebank,thistechnologyhascutfraudcasesby25%sinceitsimplementationlastyear.Whatdoes“blockchain”mostlikelymean?A.Aformofdigitalcurrency.B.Anencryptiontechnology.C.Anewtypeoffinancialinstitution.D.Amethodfortrackingtransactions.24.(3分)ThePostalServiceBankhaslaunchedaspecialscholarshipprogramforstudentsinXiangtanYutangDistrict,focusingonSTEMfields.Theinitiativeaimstoencouragemoreyoungpeopletopursuecareersinfinanceandtechnology.Accordingtothebank,90%ofscholarshiprecipientshavechosentoworkinthebankingsectoraftergraduation.Whatdoes“STEMfields”mostlikelymean?A.Humanities.B.Business.C.Science,Technology,Engineering,Mathematics.D.ArtandLiterature.25.(3分)ThePostalServiceBankhasalsostartedtooffergreenloansonrenewableenergyprojectsinYutangDistrict,aimingtobuildasustainablefuture.Aprojectmanageratthebank,saidtheinitiativewouldsupportthesetupofsolarpanelsandwindturbinesinruralareas.Whatdoes“greenloan”mostlikelymean?A.Aloanforillegalactivities.B.Aloanforenvironmentallyfriendlyprojects.C.Aloanforhigh-riskinvestments.D.Aloanforurbandevelopment.五、態(tài)度觀點題（共5題，每題3分）要求：根據文章內容，判斷作者或作者所屬機構的態(tài)度。26.(3分)ThePostalServiceBankhasbeenexpandingitsbranchnetworkinXiangtanYutangDistrictrecentlytobetterservelocalbusinessesandsmallenterprises.Duringthe2023-2024financialyear,thecompanyopened12newbranches,anincreaseof30%comparedwiththepreviousyear.Accordingtotheseniormanager,ZhangLiang,thefocusisonprovidingcustomizedfinancialservicesforlocals,especiallyformicro-enterprises.Whatistheauthor’sattitudetowardthebank’sinitiative?A.Critical.B.Indifferent.C.Supportive.D.Skeptical.27.(3分)InXiangtanYutangDistrict,smallbusinessesareoftenfacedwithshort-termcashflowissues.Banksofferingsmall-loanproductswithflexiblerepaymenttermscanhelpthemovercomethesechallenges.Alocalbusinessowner,ZhangMei,notedthatsuchloansonhercompany’srecoveryfromtheCOVID-19pandemic.Whatistheauthor’sattitudetowardsmallbusinessloans?A.Negative.B.Neutral.C.Positive.D.Uncertain.28.(3分)ThePostalServiceBankhasalsodeployedblockchaintechnologynetworkinYutangDistrict,whichcanimprovetransactiontransparencyandreducefraud.Accordingtothebank,thistechnologyhascutfraudcasesby25%sinceitsimplementationlastyear.Whatistheauthor’sattitudetowardblockchaintechnology?A.Cautious.B.Enthusiastic.C.Dismissive.D.Neutral.29.(3分)ThePostalServiceBankhaslaunchedaspecialscholarshipprogramforstudentsinXiangtanYutangDistrict,focusingonSTEMfields.Theinitiativeaimstoencouragemoreyoungpeopletopursuecareersinfinanceandtechnology.Accordingtothebank,90%ofscholarshiprecipientshavechosentoworkinthebankingsectoraftergraduation.Whatistheauthor’sattitudetowardthestepscholarshipprogram?A.Critical.B.Supportive.C.Indifferent.D.Skeptical.30.(3分)ThePostalServiceBankhasalsostartedtooffergreenloansonrenewableenergyprojectsinYutangDistrict,aimingtobuildasustainablefuture.Aprojectmanageratthebank,saidtheinitiativewouldsupportthesetupofsolarpanelsandwindturbinesinruralareas.Whatistheauthor’sattitudetowardgreenfinance?A.Negative.B.Positive.C.Neutral.D.Uncertain.答案及解析1.B解析：文章明確提到郵儲銀行在岳塘區(qū)開設新分行的目的是“betterservelocalbusinessesandsmallenterprises”，即更好地服務當地企業(yè)和中小企業(yè)。因此，B選項“提升對本地企業(yè)的支持”最符合原文意思。2.B解析：文章提到當地政府鼓勵銀行提供低息貸款支持節(jié)能項目，并且超過50%的中小企業(yè)因此受益，運營成本降低了15%。因此，B選項“幫助企業(yè)降低成本”最符合原文意思。3.B解析：文章提到移動應用集成了智能合約技術，減少了40%的交易錯誤，說明該應用提高了交易效率。因此，B選項“提高交易效率”最符合原文意思。4.B解析：文章提到80%的中小企業(yè)依賴銀行貸款和信用卡周轉資金，說明貸款是它們的主要資金來源。