公共英語等級考試四級基礎練習材料

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　　Reading comprehension

　　Read the following two texts. Answer the questions below each text by choosing A.B.C or D.

　　Relationship Banking

　　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, 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:

　　In 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.

　　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.

　　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

　　C. a way making more personal

　　D. increasing everyday banking transaction

　　2. Which of the following can be inferred from the passage about relationship banking programs?

　　A. they have recently been discontinued

　　B. 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?

　　A. 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

　　C. recognize their own banking

　　D. keep their financial requirement to a minimum

　　5. According to the passage, what is a necessary first step in instituting relationship banking?

　　A. resigning bank buildings.

　　B. hiring congenial staff who make clients welcome.

　　C. recognizing the needs of groups and individuals.

　　D. teaching bank employees to be more confident.

　　解析：

　　1. C 本文主要講述的是使銀行服務更加 個性化的方法. 文章的開頭就點明了主題。 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,由此可以推斷關系銀 行這一項目已經得到了采用.

　　3. A 指公共機構,在本文中指的是銀行

　　4. 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.

　　關系銀行的目的是把客戶分散資金到不同 銀行中的需求和期望降到最低,使他們只在一 個銀行進行交易,只與一個銀行保持業務關系.

　　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.一個成功 的關系銀行項目就是要有很多的系列服務項目 ,不同 的項目可以滿足不同人的需求,所以要 創立關系銀行,要做的第一件事就是充分認識 個人和群體的不同需求.

　　Security and Commodity Exchanges

　　Security 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.

　　The 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.

　　Today, 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.

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