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Banks view online banking as a powerful...

 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

 

1.B 2.A 3.D 4.C 【解析】略
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