题目内容
Banks are not ordinarily prepared to pay out all account; they depend on depositors(储户) not to demand payment all at the same time. If depositors come to fear that a bank is not sound, that it can not pay off all its depositors, then that fear might cause all the depositor to appear on the same day .If they did, the bank could not pay all accounts. However, if they did not all appear at once, then there would always be funds to pay those who wanted their money when they wanted it. Mrs Elsie Vaught has told us of a terrifying run on the bank that she experienced.
One day in December of 1925, several banks failed to open in the city where Mrs Vaught lived. The other banks expected a run the next day, and so the officers of the bank in which Mrs Vaught worked as a teller(出纳员) had enough funds on hand to pay off as many depositors as might appear. The officer simply instructed the tellers to pay on demand. The next morning a crowd gathered in the bank and on the sidewalk outside. The length of the line made many believe that the bank could not possibly pay off everyone. People began to push and then to fight for places near the tellers’ windows. Clothing was torn, legs and arms broken, but the crowd continued for hours. The power of the panic atmosphere was so great that two tellers, though they knew that the bank was sound and could pay out all depositors, drew their own money from the bank. Mrs Vaught says that she had difficulty preventing herself from doing the same.
1. When would a bank run happen?
A. A bank is closed for one or more days.
B. Too many depositors attempts to draw out their money at the same time.
C. Other banks don’t have enough money.
D. Clerks of a bank take their own money out of the bank
2. The crowd in the bank and on the sidewalk gathered because of _________.
A. demand B. hunger C. doubt D. anger
3. The basic cause of a run on the bank is __________.
A. loss of confidence B. lack of enough funds
C. crowds of people D. inexperienced tellers
B
C
A
【解析】
People bury treasure to stop other people from taking it. They choose a quiet place, dig a deep hole and bury the treasure in it. Then they make a map of where the treasure is or write down other clues（线索）that will help them or someone else to find it again.
In Britain a few years ago, a writer wrote about some treasure that he had buried. He put clues in the story to help readers find it. Thousands of people hunted for the treasure. They dug holes all over Britain, hoping to find it.
One of the most popular adventure stories ever written is Robert Louis Stephenson's “Treasured Island”, an exciting story about a young boy, Jim Hawkins, who is captured by pirates (海盗) and later finds some buried treasure.
Then there is the true story about a man who had to travel overseas for a year. He did not trust
banks, so he buried his life savings in a park. Then he went away. On his return, he went straight to the park. But the park was no longer there. In its place there was a huge building.
And then there was the man who buried his savings, all in bank notes, in a waterproof（防水的）bag. When he dug it up years later, there was nothing left. Worms and insects had eaten the bag and everything in it.
And of course, these are stories about people who bury things and either forget where they have buried them or lose the map.
Although it is true that people sometimes lose their money because a bank fails, banks are still the safest place to keep our savings and treasures.
【小题1】
People who bury treasure usually .
| A．do not trust banks |
| B．have a little money . |
| C．want to live in a quiet place. |
| D．expect to lose it |
The writer in Britain .
| A．really had buried something. |
| B．started a nationwide treasure hunt. |
| C．had lost his treasure and wanted people to help him find it. |
| D．caused trouble because people dug holes everywhere. |
. “Treasure Island” .
| A．is a story about pirates. |
| B．is about the adventures of Jim Hawkins. |
| C．is the most popular story ever written. |
| D．is a well-known fairy tale. |
The man who buried his money in a park .
| A．thought his money was safer there than in a bank. |
| B．travelled on the sea for a year. |
| C．got his life savings back again. |
| D．stayed away longer than he expected. |
From these stories we understand that .
| A．we cannot trust banks. |
| B．we should not trust anyone. |
| C．a waterproof bag is not proof against worms and insects. |
| D．insects eat anything. |
The river, ________ the banks are covered with trees，is very long.
|
A．whose |
B．which |
C．of which |
D．which of |
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 |