英语四级阅读讲解

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.

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 relationship? banking the emphasis is on… minimizing? the need or desire of clients to? splinter their financial business among? various 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 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.