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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 .
69.The word “eliminate” in the first paragraph probably means “          ”.
A.keep  B.remove    C.reduce     D.improve
70.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 .
71.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
72.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

科目 英语   题型 阅读理解   难度 较易
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四、阅读理解
Each morning a rich man found a poor man sitting on a park bench (长凳). The poor man always sat there, looking at the big hotel in which the rich man lived. One day the rich man got out of his car and said to the poor man, “Excuse me, but I just want to know why you sit here and look at my hotel every morning.” “Sir,” said the poor man, “I am a failure. I have no money, no family, no home. I sleep on this bench, and every night I dream that one day I’ll sleep in that hotel.” The rich man said, “That is not so hard. Tonight your dream will come true. I’ll pay for the best room in that hotel for you for a whole month.”
A few days later, the rich man went by the poor man’s room to ask him how he was enjoying himself. To his surprise, he found that the man had moved out of the hotel, back to his park bench. When the rich man asked why, the poor man said, “you see, when I am down here sleeping on my bench, I dream I’m up there, in that big hotel. It’s a wonderful dream. But when I was up there, I dreamed I was back to this cold bench. It was a terrible dream, and I couldn’t get any sleep at all.”
1. The poor man lived in_____ before he met the rich man.
A. the hotel B. his home C. the park D. the car
2. Every morning, the poor man sat on the bench and _____
A. waited for the rich man B. looked at the rich man’s hotel
C. looked at the rich man’s car D. enjoyed the clean air
3. The poor man moved out of the hotel because_______
A. he didn’t want to live in such a fine room
B. he didn’t like the rich man
C. he couldn’t pay for the room
D. he couldn’t get any sleep at all there
4. In the end, the poor man found it _____to sleep in the hotel.
A. sorry B. nice C. sad D.terrible


第三部分:阅读理解(共20小题;每小题2分,满分40分)
阅读下列短文,从短文所给的四个选项(A、B、C和D)中,选出最佳选项,并在答题卡上将相应的字母涂黑。
Sandra Cisneros was born in Chicago in 1954 to a Mexican American family. As the only girl in a family of seven children, she often felt like she had “seven fathers,” because her six brothers, as well as her father, tried to control her. Feeling shy and unimportant, she retreated(躲避) into books. Despite her love of reading, she did not do well in elementary school because she was too shy to participate.
In high school, with the encouragement of one particular teacher, Cisneros improved her grades and worked for the school literary magazine. Her father encouraged her to go to college because he thought it would be a good way for her to find a husband. Cisneros did attend college, but instead of searching for a husband, she found a teacher who helped her join the famous graduate writing program at the University of Iowa. At the university’s Writers’ Workshop, however, she felt lonely—a Mexican American from a poor neighborhood among students from wealthy families. The feeling of being so different helped Cisneros find her “creative voice.”
“It was not until this moment when I considered myself truly different that my writing acquired (获得)a voice. I knew I was a Mexican woman, but I didn’t think it had anything to do with why I felt so much imbalance(不平衡) in my life, but it had everything to do with it! That’s when I decided I would write about something my classmates couldn’t write about.”
Cisneros published her first work, The House on Mango Street, when she was twenty-nine. The book tells about a young Mexican American girl growing up in a Spanish-speaking area in Chicago, much like the neighborhoods in which Cisneros lived as a child. The book won an award in 1985 and has been used in classes from high school through graduate school level. Since then, Cisneros has published several books of poetry, a children’s book, and a short-story collection.
1. Which of the following is TRUE about Cisneros in her childhood?
A. She had seven brothers. B. She felt herself a nobody.
C. She was too shy to go to school. D. She did not have any good teachers.
2. The graduate program gave Cisneros a chance to _____.
A. work for a school magazine B. run away from her family
C. make a lot of friends D. develop her writing style
3. According to Cisneros, what played the decisive role in her success?
A. Her early years in college. B. Her training in the Workshop.
C. Her feeling of being different. D. Her childhood experience.
4. What do we learn about The House on Mango Street?
A. It is quite popular among students.
B. It is the only book ever written by Cisneros.
C. It wasn’t a success as it was written in Spanish.
D. It won an award when Cisneros was twenty-nine.

Everyone knows you must exercise regularly to keep good health. Indeed, staying physically fit is a big part of our culture. we consider(or rightly so)that healthy people are attractive people. Since most of us want to be attractive, there is no shortage of exercise clubs, training videos, magazines and books offering to help us stay physically fit.
Unfortunately, however, our culture doesn’t place the same emphasis(强调) on mental fitness. Although we tend to like men and women with strong, healthy-looking bodies, we don’t have the same degree of respect or attraction for smart, educated, mentally healthy people. This is a pity, because there are great rewards for people who have developed the ability to think well.
If your mind is well trained and flexible(灵活的), you will be able to understand a great deal of what happens around you. And if you are also well educated — that is, if you understand basic science, mathematics, music, art, literature, history and so on — you will find it much easier to make good decisions throughout your life. Over the long run(时期), this leads to a sense of control over your destiny (命运)and a much better life than otherwise(in another way).
People who are poorly educated or who don’t think well — that is, people who are not mentally fit — see things differently. Their world is controlled by mysterious, often malevolent(恶意的)forces. Such people live within a system they will never master, forced to follow rules they will never understand. Although it may not be obvious, most spend their lives being manipulated(控制)by others. They are told what to do, what to think, how to spend their money, and what they should and should not aspire(渴望)to in life.
In my opinion, if you want to live well, you must be able to use your mind well. For this reason, I want you to be able to concentrate, to solve problems, to understand complex (复杂的)ideas, and to think clearly and quickly. Such skills will make it easier for you to make informed decisions, understand current events, choose good friends, manage your money well, make wise lone-term decisions and appreciate music, art and literature.
The key to developing such skills is to enjoy learning, and to have the ability and motivation to teach yourself.
1. The writer of the passage feel disappointed that ____.
A. too little has been done to help people to keep physically fit
B. too much has been done to help people to keep physically fit
C. mentally healthy people are not as popular as physically healthy people
D. physically healthy people are not as popular as mentally healthy people
2. The underlined word “this” in the 3rd paragraph means ____.
A. the understanding of a great deal of what goes on around you
B. the understanding of basic science and mathematics
C. good training in body and mind
D. being able to make good decisions in life
3. The writer of this passage thinks those who are not mentally fit ____.
A. live a poor and mysterious life
B. can’t control over their life
C. often do what others do
D. enjoy being fooled and ruled
4. The best title of the passage will most probably be ____.
A. Train Your Body B. Train Your Mind
C. Make Informed Decisions D. Think Hard and Work Hard

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