2016年公共英語三級閲讀試題與解析
試題(一)
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 本文主要講述的是使銀行服務更加個性化的方法. 文章的開頭就點明瞭主題。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,由此可以推斷關係銀行這一項目已經得到了採用.
3. A 指公共機構,在本文中指的.是銀行
4. B 第二段最後一句, In relationship banking the emphasis is on… minimizing the need or desire of clients to splinter their financial business among various institutions.
關係銀行的目的是把客户分散資金到不同 銀行中的需求和期望降到最低,使他們只在一個銀行進行交易,只與一個銀行保持業務關係.
5. C第三段的最後一句, a series of financial-service “package,” each designed to meet the needs of identifiably homogeneous groups.一個成功的關係銀行項目就是要有很多的系列服務項目,不同 的項目可以滿足不同人的需求,所以要創立關係銀行,要做的第一件事就是充分認識個人和羣體的不同需求.
試題(二)
Security and Commodity Exchanges
Security and commodity exchanges are trading posts where people meet who wish to buy or sell. The exchanged themselves do no trading; they merely provide a place prospective buyers and selling can meet and conduct their business.
Wall Street, although the best known, is not only the home of the exchanges in the United States. There are the cotton exchanges in New orleans and Chicago; and grain exchanges in many of the large cities of the Midwest. Some exchanges, like the Chicago Board of Trade, provide market services for several kinds of products. These trading posts where products may be bought or sole are called commodity exchanges.
The security exchanges, on the other hand, are meeting places where stocks and bonds are traded. Like the commodity exchanges, they help serve the economic life of the country. But when their operations get out of hand, they may become very dangerous. In 1929, the security exchanges, or stock market, contributed to a crash-a sudden, sharp decline in the value of securities. Many people lost fortunes; many corporations were bankrupted; many workers lost their jobs. The Crash of 1929 has been attributed to many causes, among them wild and unwise speculation by many people and dishonest practices on the part of some businessmen and of some members of the exchanges.
Today, however, investing through security exchanges and trading on commodity exchanges has been made safer by regulations set up by the exchanges themselves and by regulations of the United States government in 1992, the government instituted the Commodity Exchange Commission which operates through the Department of Agriculture; and in 1934, the Securities and Exchange Commission, to protect investors and the public against dishonest practice in the exchanges.
6. Security and commodity exchanges are meeting places for buyers and sellers of ___.
A. stocks B. grain
C. securities D. all of these
7. Security exchanges handle___.
A. securities B. grain
C. bonds D. both A and C
8. Among the reasons for the Crash of 1929 were ___.
A. unwise speculation by many people
B. dishonest practices by some businessmen
C. strict regulations of the Commodity Exchange Commission
D. both A and B
9. Investing in securities has been made safer by the ___.
A. Security and Exchange Commission
B. Commodity Exchange Commission
C. Chicago Board of Trade
D. Chicago Mercantile Exchange
10. Which of the following is implied but not stated?
A. Some exchanges provide market services for several products.
B. The role of the government has been an important factor in curing dishonest practices on the exchanges.
C. Investing in securities is unwise.
D. Buying and selling is dishonest.
解析：
6. D根據第二段和第三段,這一交易所可進行多種交易.
7. D 根據第三段,債券交易所可以進行債券和證券的交易. The security exchanges, on the other hand, are meeting places where stocks and bonds are traded.
8. D根據第三段, The Crash of 1929 has been attributed to many causes, among them wild and unwise speculation by many people and dishonest practices on the part of some businessmen and of some members of the exchanges. 1929年的股市危機是由於許多人投機和一些商人不誠實的行為造成的.
9. A 最後一段, and in 1934, the Securities and Exchange Commission, to protect investors and the public against dishonest practice in the exchanges. 政府建立的證券交易委員會使投資變得更加安全.
10. B 答案A.在文章第二段直接提到了 exchanges, like the Chicago Board of Trade, provide market services for several kinds of products. 答案C證券投資是不明智的和答案D買賣雙方是不誠實的,這兩點在文中都沒有提到.
文章中指出了政府的努力來維護正常的交易秩序,暗示了政府在制止不誠實交易行為中所起的重要角色,但並沒有在文中直接陳述這一點.
