英语等级四级考试阅读讲解三

Reading comprehension

Read the following two texts. Answer  the questions below each text by  choosing A.B.C or D.

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.