Question

【題目】Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to avoid costly paper handling or teller（出納員）interactions in an increasingly competitive banking environment.

Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual” banks that have no physical branches or tellers whatsoever.

The challenge for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. Most of the large banks can now offer fully safe , fully functional online banking for free or for a small cost. As more banks succeed online and more customers use their sites, fully functional online banking will likely become as common as automated teller machines (ATM).

Online banking has a lot of advantages. Unlike your corner bank, online banking sites never close; they’re at hand 24 hours a day, seven days a week and they’re a mouse click away. If you’re out of state or even out of the country when a money problem appears, you can log on instantly to your online bank and take care of business. Online bank sites generally carry out and confirm deals at or quicker than ATM processing speeds. Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively.

【1】 Online banking is considered as a powerful tool for the following reasons except that .

A. It attracts new customers

B. It increases paper handling and teller interaction

C. It saves workforce and money

D. It is more convenient

【2】 What is the challenge for the online banking industry according to the text?

A. To make online banking attractive.

B. To open new services all over the world.

C. To offer online banking for free.

D. To take care of business 24 hours a day.

【3】From the text we can conclude that _______.

A. “brick-to-click” banks are in fact another kind of physical banks

B. the function of a “brick-to-click” bank is as common as that of an ATM

C. a “brick-to-mortar” bank is no better than a virtual one

D. customers can deal with their banking by a mouse click

【4】What would be the best title for this text?

A. Banking of Various Forms.

B. Improvement of Banking Industry.

C. Development of Online Banking.

D. Functions of the “Brick-to-Click” Bank.

Answer 1

【答案】

【1】B

【2】A

【3】D

【4】C

【解析】

試題分析：本文屬于說明文，主要說明網(wǎng)上銀行的功能和優(yōu)勢，同時還說明了探索面臨的挑戰(zhàn)。

【1】B 細節(jié)理解題 根據(jù)Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual” banks that have no physical branches or tellers whatsoever.可知，A,C,D都是網(wǎng)上銀行的優(yōu)點，只有B項不是，故此題答案為B

【2】A 細節(jié)理解題。第三段的首句為本段的中心句，提到了“The challenge for the banking industry…that its customers will readily learn to use and trust it.” 即銀行業(yè)面對的挑戰(zhàn)是讓客戶學習使用和信任這種新的服務，第三段后面的內(nèi)容都是對中心句進行解釋和說明。故答案為A，讓網(wǎng)上銀行變得具有吸引力。解答此題同樣要注意同義句的轉換。

【3】D 細節(jié)理解題。根據(jù)第二段最后一句Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual”（虛擬）banks that have no physical branches or tellers whatsoever.可知，網(wǎng)上銀行有時候被稱作是“brick-to-click” 銀行，不同于沒有網(wǎng)上銀行業(yè)務的 “brick-to-mortar” 銀行; 網(wǎng)上銀行也是虛擬銀行，沒有實體的分行，故A不對；C選項中no better than 意為 “和 ... 一樣不好”, 與文意不符。在第三段最后一句 “… fully functional online banking will likely become as commonplace as automated teller machines (ATM).”中，注意 “will likely” , 故B選項不對。網(wǎng)上銀行當然是使用鼠標進行操作了。故D正確。

【4】C 標題概括題。這篇短文是以說明online 即brick-to-click bank為主的，不僅提到了它的功能，還提到了它的優(yōu)勢，它數(shù)量的增加，它面臨的挑戰(zhàn)等，所以C項“網(wǎng)上銀行的發(fā)展”與文章主題最合適。故選C。