Question

【题目】阅读理解
Banks view online banking as a powerful “value-added” tool to attractand keep new customers while helping to eliminate costly paper handlingor teller（出纳员）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”（虚拟）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】本文属于说明文，主要说明网上银行的功能和优势，同时还说明了探索面临的挑战。
(1)B词义猜测题。第一段作者叙述了网上银行的优势。根据前半句Banks view online bankingas a powerful “value-added” tool to attract and keep new customers银行认为网上银行是一种强大的增值工具, 可以用它来吸引和维护新的客户，同时也可以帮助 “to eliminate costlypaper handling or …”，就是指“去除昂贵的银行员工以及纸张处理等费用”。此处costly意为 “昂贵的，代价高的”, 由此可知，eliminate 意为 “去除” 。故选B。
(2)A 细节理解题。第三段的首句为本段的中心句，提到了“The challenge for thebanking industry…that its customers will readily learn to use and trust it.” 即银行业面对的挑战是让客户学习使用和信任这种新的服务，第三段后面的内容都是对中心句进行解释和说明。所以答案是A，让网上银行变得具有吸引力。解答此题同样要注意同义句的转换。
(3)D 细节理解题。根据第二段最后一句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”（虚拟）banks that have no physical branches or tellers whatsoever.可知，网上银行有时候被称作是“brick-to-click” 银行，不同于没有网上银行业务的 “brick-to-mortar” 银行; 网上银行也是虚拟银行，没有实体的分行，故A不对；C选项中no better than 意为 “和 ... 一样不好”, 与文意不符。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选项不对。网上银行当然是使用鼠标进行操作了。故D正确。
(4)C 标题概括题。这篇短文是以说明online即brick-to-clickbank为主的，不仅提到了它的功能，还提到了它的优势，它数量的增加，它面临的挑战等，所以C项“网上银行的发展”与文章主题最合适。