英语等级四级考试阅读讲解三
Reading comprehensionRead the following two texts. Answerthe questions below each text bychoosing A.B.C or D.
Relationship Banking
one of the more dissembles trends inthe financial-service industry in recenttimes has been the adoption of programsdesigned to encourage more personalizedrelationships between an institution’semployees and its clients, particularlythose who are major depositors. Theexpression most commonly used todescribe the type of program is“relationship banking.” A gooddefinition is provided in the 1985 bookMarketing Financial Services:
In relationship banking the emphasisis on establishing a long-term,multiple-service relationship; onsatisfying the totality of the client’sfinancial need; on minimizing the needor desire of clients to splinter theirfinancial business among variousinstitutions.
Implicit within any definition ofrelationship banking is recognition thatthe financial-service requirements ofone individual or relationship group. Asuccessful relationship-banking programis, therefore, independent individual ina large part on the development of aseries of financial-service “package,”each designed to meet the needs ofidentifiably homogeneous groups.
Another dimension of relationshipbanking is the development of highlypersonalized relationships betweenemployee and client. In most financialinstitutions today the client isserviced by any employee who happens tobe free at the time, regardless of thenature of the transaction. personalizedrelationships are therefore difficult toestablish. In a full relationship- banking program, however, the clientknows there is one individual within theinstitution who has intimate knowledgeof the client’s requirements andpreferences regarding complextransactions. over time, the clientdevelops a high level of confidence inthis employee. In short, a personalizedrelationship evolves between client andemployee.
1. With what subject is the passagemainly concerned?
A. the decline of the financial- service industry
B. variety within financial services
C. a way making more personal
D. increasing everyday bankingtransaction
2. Which of the following can beinferred from the passage aboutrelationship banking programs?
A. they have recently beendiscontinued
B. they are already being used
C. they will shortly used
D. they will be used in the distantfuture
3. What is the meaning of the word“institutions” in the first paragraph?
A. banks B. schools
C. hospitals D. police stations
4. According to the definition ofrelationship banking quoted in thepassage, one of the main aims of thistype of banking is to encourage clientsto ___.
A. consult with each otherconcerning their finances
B. keep all their business with asingle bank
C. recognize their own banking
D. keep their financial requirementto a minimum
5. According to the passage, what isa necessary first step in institutingrelationship banking?
A. resigning bank buildings.
B. hiring congenial staff who makeclients welcome.
C. recognizing the needs of groupsand individuals.
D. teaching bank employees to bemore confident.
英语等级四级考试阅读讲解三
解析：</p>1. C 本文主要讲述的是使银行服务更加 个性化的方法. 文章的开头就点明了主题。 one of the more dissembles trends in thefinancial-service industry in recenttimes has been the adoption of programsdesigned to encourage more personalizedrelationships between an institution’semployees and its clients2. B 第一段提到了,由此可以推断关系银 行这一项目已经得到了采用.
3. A 指公共机构,在本文中指的是银行
4. B 第二段最后一句, In relationshipbanking the emphasis is on… minimizingthe need or desire of clients tosplinter their financial business amongvarious institutions.
关系银行的目的是把客户分散资金到不同银行中的需求和期望降到最低,使他们只在一 个银行进行交易,只与一个银行保持业务关系.
5. C第三段的最后一句, a series offinancial-service “package,” eachdesigned to meet the needs ofidentifiably homogeneous groups.一个成功 的关系银行项目就是要有很多的系列服务项目 ,不同 的项目可以满足不同人的需求,所以要 创立关系银行,要做的第一件事就是充分认识 个人和群体的不同需求.
Security and Commodity Exchanges
Security and commodity exchanges aretrading posts where people meet who wishto buy or sell. The exchanged themselvesdo no trading; they merely provide aplace prospective buyers and selling canmeet and conduct their business.
Wall Street, although the bestknown, is not only the home of theexchanges in the United States. Thereare the cotton exchanges in New orleansand Chicago; and grain exchanges in manyof the large cities of the Midwest. Someexchanges, like the Chicago Board ofTrade, provide market services forseveral kinds of products. These tradingposts where products may be bought orsole are called commodity exchanges.
The security exchanges, on the otherhand, are meeting places where stocksand bonds are traded. Like the commodityexchanges, they help serve the economiclife of the country. But when theiroperations get out of hand, they maybecome very dangerous. In 1929, thesecurity exchanges, or stock market,contributed to a crash-a sudden, sharpdecline in the value of securities. Manypeople lost fortunes; many corporationswere bankrupted; many workers lost theirjobs. The Crash of 1929 has beenattributed to many causes, among themwild and unwise speculation by manypeople and dishonest practices on thepart of some businessmen and of somemembers of the exchanges.
Today, however, investing throughsecurity exchanges and trading oncommodity exchanges has been made saferby regulations set up by the exchangesthemselves and by regulations of theUnited States government in 1992, thegovernment instituted the CommodityExchange Commission which operatesthrough the Department of Agriculture;and in 1934, the Securities and ExchangeCommission, to protect investors and thepublic against dishonest practice in theexchanges.
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