题目内容
【题目】Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to avoid 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” banks that have no physical branches or tellers whatsoever.
The challenge 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 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 common 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 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】 Online banking is considered as a powerful tool for the following reasons except that .
A. It attracts new customers
B. It increases paper handling and teller interaction
C. It saves workforce and money
D. It is more convenient
【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.
【答案】
【1】B
【2】A
【3】D
【4】C
【解析】
试题分析：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 细节理解题 根据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” banks that have no physical branches or tellers whatsoever.可知，A,C,D都是网上银行的优点，只有B项不是，故此题答案为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 the banking 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。故答案为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 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.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 functional online 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-click bank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。故选C。
