英语等级四级考试阅读讲解三

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Reading comprehension
3 A6 H% U! L, G5 q3 k2 vRead the following two texts. Answer  the questions below each text by  choosing A.B.C or D.
: A- x& L/ M; `6 B6 ~) F% \! }Relationship Banking
. L: q3 m. j% i4 J2 k: Gone of the more dissembles trends in  the financial-service industry in recent  times has been the adoption of programs  designed to encourage more personalized  relationships between an institution’s  employees and its clients, particularly  those who are major depositors. The  expression most commonly used to  describe the type of program is  “relationship banking.” A good  definition is provided in the 1985 book  Marketing Financial Services:
0 ^* X3 Q1 w1 V; ]( rIn relationship banking the emphasis  is on establishing a long-term,  multiple-service relationship; on  satisfying the totality of the client’s  financial need; on minimizing the need  or desire of clients to splinter their  financial business among various  institutions.
/ [2 F9 b' V4 }+ M5 ^( }Implicit within any definition of  relationship banking is recognition that  the financial-service requirements of  one individual or relationship group. A  successful relationship-banking program  is, therefore, independent individual in  a large part on the development of a  series of financial-service “package,”  each designed to meet the needs of  identifiably homogeneous groups.
  _- }+ W7 J' R4 O( ^Another dimension of relationship  banking is the development of highly  personalized relationships between  employee and client. In most financial  institutions today the client is  serviced by any employee who happens to  be free at the time, regardless of the  nature of the transaction. personalized  relationships are therefore difficult to  establish. In a full relationship- banking program, however, the client  knows there is one individual within the  institution who has intimate knowledge  of the client’s requirements and  preferences regarding complex  transactions. over time, the client  develops a high level of confidence in  this employee. In short, a personalized  relationship evolves between client and  employee.
1. With what subject is the passage  mainly concerned?
A. the decline of the financial- service industry
B. variety within financial services
5 E' m! n+ [9 `* J$ S- g6 NC. a way making more personal
( V) g$ t2 d$ a( Y8 lD. increasing everyday banking  transaction
* a& H; ?' T% ]0 ?3 r' u2. Which of the following can be  inferred from the passage about  relationship banking programs?
, v* C0 Q# j5 h  \+ |/ gA. they have recently been  discontinued
+ J  h, r* K6 k7 ~# }8 F5 \; J( k  A. OB. they are already being used
C. they will shortly used
D. they will be used in the distant  future
3. What is the meaning of the word  “institutions” in the first paragraph?
% `7 c- H4 j$ V) P* CA. banks　　B. schools
C. hospitals　　D. police stations
4. According to the definition of  relationship banking quoted in the  passage, one of the main aims of this  type of banking is to encourage clients  to ___.
A. consult with each other  concerning their finances
B. keep all their business with a  single bank
  i1 D& l! U0 z; dC. recognize their own banking
D. keep their financial requirement  to a minimum
: v$ [% p% Y- G" R5 d  `5. According to the passage, what is  a necessary first step in instituting  relationship banking?
+ P% L" h* `$ i' ]/ iA. resigning bank buildings.
2 c* ]* w+ f/ I9 uB. hiring congenial staff who make  clients welcome.
C. recognizing the needs of groups  and individuals.
% K1 o( R+ A, SD. teaching bank employees to be  more confident.

会计考友

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 the  financial-service industry in recent  times has been the adoption of programs  designed to encourage more personalized  relationships between an institution’s  employees and its clients
2. 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.
+ b4 ?" w7 Y( T' Z$ N+ T3. A 指公共机构,在本文中指的是银行
$ k; B2 @+ d5 J( L4. B 第二段最后一句, In relationship  banking the emphasis is on… minimizing  the need or desire of clients to  splinter their financial business among  various institutions.
" u- ^: _& ]7 l  o7 g6 p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 of  financial-service “package,” each  designed to meet the needs of  identifiably 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.
' v2 r9 h9 {; F' [  J# dSecurity and Commodity Exchanges
4 b2 l" o+ H2 G* ySecurity and commodity exchanges are  trading posts where people meet who wish  to buy or sell. The exchanged themselves  do no trading; they merely provide a  place prospective buyers and selling can  meet and conduct their business.
Wall Street, although the best  known, is not only the home of the  exchanges in the United States. There  are the cotton exchanges in New orleans  and Chicago; and grain exchanges in many  of the large cities of the Midwest. Some  exchanges, like the Chicago Board of  Trade, provide market services for  several kinds of products. These trading  posts where products may be bought or  sole are called commodity exchanges.
! C& A3 V8 T3 z3 A" j( y' l, a: M% FThe security exchanges, on the other  hand, are meeting places where stocks  and bonds are traded. Like the commodity  exchanges, they help serve the economic  life of the country. But when their  operations get out of hand, they may  become very dangerous. In 1929, the  security exchanges, or stock market,  contributed to a crash-a sudden, sharp  decline in the value of securities. Many  people lost fortunes; many corporations  were bankrupted; many workers lost their  jobs. The Crash of 1929 has been  attributed to many causes, among them  wild and unwise speculation by many  people and dishonest practices on the  part of some businessmen and of some  members of the exchanges.
7 }- W( k0 `2 H8 p# Q; X- Y, DToday, however, investing through  security exchanges and trading on  commodity exchanges has been made safer  by regulations set up by the exchanges  themselves and by regulations of the  United States government in 1992, the  government instituted the Commodity  Exchange Commission which operates  through the Department of Agriculture;  and in 1934, the Securities and Exchange  Commission, to protect investors and the  public against dishonest practice in the  exchanges.