Question

【題目】閱讀理解
Banks view online banking as a powerful “value-added” tool to attractand keep new customers while helping to eliminate costly paper handlingor teller（出納員）interactions in an increasingly competitive banking environment.
Today, mostlarge national banks, many local banks and credit unions offer some form ofonline banking, variously known as PC banking, home banking, electronic bankingor 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 offeredonline banking, as well as from “virtual”（虛擬）banks that have no physical branches or tellers whatsoever.
Thechallenge for the banking industry has been to design this new service channelin such a way that its customers will readily learn to use and trust it. Mostof the large banks can now offer fully safe , fully functional（功能的）online banking for free or for a small cost.As more banks succeed online and more customers use their sites, fullyfunctional online banking will likely become as commonplace as automated tellermachines (ATM).
Onlinebanking has a lot of advantages. Unlike your corner bank, online banking sitesnever close; they’re at hand 24 hours a day, seven days a week and they’re amouse click away. If you’re out of state or even out of the country when amoney problem appears, you can log on instantly to your online bank and takecare of business. Online bank sites generally carry out and confirm deals at orquicker than ATM processing speeds. Many online banking sites now offerfashionable tools to help you manage all of your valuable items moreeffectively.
（1）The underlined word “eliminate” in the first paragraph probably means “”.
A.keep
B.remove
C.raise
D.improve
（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】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詞義猜測題。第一段作者敘述了網(wǎng)上銀行的優(yōu)勢。根據(jù)前半句Banks view online bankingas a powerful “value-added” tool to attract and keep new customers銀行認為網(wǎng)上銀行是一種強大的增值工具, 可以用它來吸引和維護新的客戶，同時也可以幫助 “to eliminate costlypaper handling or …”，就是指“去除昂貴的銀行員工以及紙張?zhí)幚淼荣M用”。此處costly意為 “昂貴的，代價高的”, 由此可知，eliminate 意為 “去除” 。故選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 thebanking 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，第三段后面的內容都是對中心句進行解釋和說明。所以答案是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 aresometimes 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 functionalonline 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-clickbank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。