Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller(出纳员)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”(虚拟)banks that have no physical branches or tellers whatsoever .

The challenge(挑战)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 (功能的)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 commonplace 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 (确认)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 .

The word “eliminate” in the first paragraph probably means “          ”.

       A.keep  B.remove    C.reduce     D.improve

What is the challenge for the 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 .

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

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

I realized that I was getting cold, and felt it was probably time to go back to the apartment, so I put my collar up against the wind and began to walk back up the cold street. I managed to get some food from a vendor(小贩), and walked on.
About twenty-five minutes later I knew that something was wrong. It was getting very, very cold, there were no streetlights, and the hill I was hoping to see on my right was nowhere in sight.  There was almost no light except for mysterious red crosses shining from the tops of churches, and I was beginning to get worried.  To cut a long story short, I had walked the wrong way from a crossroads, and had wandered miles in the wrong direction. My head was aching from the cold, and I couldn’t think straight. Turing around, I started back, and a long time later was outside the house I had set off from. It was at about that time I realized that I had a gate key but no house key.  How happy I was when I found that the front door was open—my only piece of good luck that day.  My apartment was of course locked, my head felt like it was about to explode, and my hands and feet were freezing.
I tried turning the handle.  No luck.  I tried another key from England.  I wanted to avoid waking the family downstairs, so despite the fear of an early death from cold, I couldn’t break the door down.  What would my hosts think? I pulled an ATM card from my pocket and forced it alongside the inside of the lock. I didn’t think it would work, but after fifteen minutes of trying, I heard a click.  Another couple of minutes later the door was open.  Relieved, I took off my clothes in the dark and got into bed.
【小题1】The purpose of the passage is mainly to            .

A.tell us how difficult it is living abroad
B.show us how terrible the weather was
C.tell us an unusual experience abroad
D.show us how afraid the author was
【小题2】 What made the author find he had walked the wrong way?
A.He didn’t see the house.
B.A vendor reminded him.
C.The street name reminded him.
D.He didn’t see the hill.
【小题3】What can we learn from the passage?
A.The front door was closed.
B.The house had many locks.
C.The author woke the hosts.
D.The author came from England.
【小题4】From the passage we can infer that the author was            .
A.carefulB.carelessC.excitedD.annoying

As a child, I was told that a wise person is the one who learns from everyone. It is a great way to live by this  1  ----One begins to look at people very  2  and he no longer puts others  3 in order to feel good about himself.

Living in China  4  me with many wonderful opportunities to put this theory (理论) into practice, China is quite   5  and as a Westerner, it’s easy for me to consider many of the local habits as “strange” and even “rude”. However, slowly I began to   6  a lot about the culture and about where many of their    7  came from. I decided to make an effort to meet people and  8  from them.

I am living in Harbin now, a city in the Northern part of China, near Russia. Yesterday I  9  to get money from the ATM and have a good cup of coffee after lunch. But I can’t speak Chinese yet and there are no signs in English   10  the nearest supermarket or coffee shop. There are signs in Russian.   11 “espaciba” which means thanks, I don’t know much else.   12  I decided to smile at my every attempt(尝试) to  13  and ask for information that would 14  me to an ATM and a coffee shop. It turned out that my efforts and my  15 were met with more smiles. I learned that   16  is to be found everywhere even17  I cannot communicate, and that people will  18  depending on what I give.

Look around you for opportunities to learn from the most   19  people. You will be surprised at what they can  20  you!

1.                A.principle        B.plan           C.strength  D.reason

 

2.                A.excitedly       B.doubtfully       C.anxiously D.differently

 

3.                A.up            B.down          C.away D.out

 

4.                A.helps          B.compares       C.impresses D.provides

 

5.                A.special         B.modern         C.beautiful  D.powerful

 

6.                A.ignore         B.forget          C.understand    D.create

 

7.                A.names         B.habits          C.behaviors D.beliefs

 

8.                A.escape         B.suffer          C.hear D.learn

 

9.                A.needed        B.refused         C.managed  D.failed

 

10.               A.heaving for      B.setting up       C.looking for D.pointing to

 

11.               A.Except for      B.As for          C.According to   D.Instead of

 

12.               A.Yet            B.Or            C.So   D.Besides

 

13.               A.relax          B.command       C.explain    D.discuss

 

14.               A.force          B.lead           C.transport  D.follow

 

15.               A.thanks         B.signs           C.questions  D.smiles

 

16.               A.illness          B.weakness       C.kindness   D.happiness

 

17.               A.before         B.when          C.because   D.after

 

18.               A.react          B.gain           C.doubt D.benefit

 

19.               A.famous         B.useful          C.unexpected    D.familiar

 

20.               A.charge         B.teach          C.lend  D.require

 

 

A funny thing happened on the way to the communications revolutions: we stopped talking to one another.

I was walking in the park with a friend recently,and his cell phone rang, interrupting our conversation. There we were, walking and talking on a beautiful sunny day and…I became invisible, absent from the conversation.   

The telephone used to connect you to the absent. Now it makes people sitting next to you feel absent. Why is it that the more connected we get, the more disconnected I feel? Every advance in communications technology is a tragedy to the closeness of human interaction. With email and instant messaging over the Internet, we can now communicate without seeing or talking to one another, With voice mail, you can conduct entire conversations without ever reaching anyone. If my mom has a question, I just leave the answer on her machine.

As almost every contact we can imagine between human beings gets automated, the alienation index goes up. You can't even call a person to get the phone number of another person my more. Directory assistance is almost always fully automated.

I am not against modern technology. I own a cell phone, an ATM card a voice mail system, and an email account. Giving them up isn't wise…they're a great help to use. It's some of their possible consequences that make me feel uneasy.  

More and more .I find myself hiding behind e-mail to do a job meant for conversation. Or being relieved that voice mail picked up because I didn't really have time to talk, The industry devoted to helping me keep in touch is making me lonelier…or at least facilitating my antisocial instincts.

So I've put myself on technology restriction: no instant messaging. with people who live near me,no cell phoning in the presence of friends, no letting the voice mail pick up when I'm at home.

1.Which of the following would be the best title of the passage?   

A.The Advance of Communications Technology

B.The Consequences of Modern Technology

C.The Story of Communications Revolution

D.The Automation of Modern Communications

2.The sentence “Now it makes people sitting next to you feel absent,”means that       .

A.the people sitting beside you have to go away to receive a phone call

B.you can hardly get in touch with the people sitting beside you

C.modem technology makes it hard for people to have a face-to-face talk

D.people can now go to work without going to the office

3.The writer feels that the use of modern communications is        

A.encouraging

B.disappointing

C.satisfying

D.embarrassing

4.The passage implies that        .

A.modern technology is bridging the people.

B.modern technology is separating the people

C.modern technology is developing too fast

D.modern technology is interrupting our communications

 

 Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller(出纳员)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”(虚拟)banks that have no physical branches or tellers whatsoever .

The challenge(挑战)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 (功能的)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 commonplace 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 (确认)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.The word “eliminate” in the first paragraph probably means “         ”.

A.keep

B.remove

C.reduce

D.improve

2.What is the challenge for the 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

 

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