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[主观题]

One of the more discernible trends in the financial-service industry in re cent times has

been the adoption of programs designed to encourage more personalized relationships between an institution's employees and its clients, particularly those clients who are major depositors. The expression most commonly used to describe this 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 service needs; and 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 relatively homogeneous group. A successful relationship banking program is, therefore, dependent in a large part on the development of a series of "financial-serviced packages": each designed to meet the needs of identifiable 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 relation ships are therefore difficult to establish. In a full relationship banking pro gram, 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.

With what subject is the passage mainly concerned?

A.The decline of the financial-service industry.

B.Variety within financial services.

C.A way of making banking more personal.

D.Increasing everyday banking transactions.

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更多“One of the more discernible trends in the financial-service industry in re cent times has”相关的问题

第1题

My favorite radio song is the one I first heard on a thick 1923 Edison disc I ______ at a
garage sale.

A.trifled with

B.scraped through

C.ran into

D.looked forward to

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第2题

End Your Back Pain Like an expensive but temperamental sports car, the human spin is beaut

End Your Back Pain

Like an expensive but temperamental sports car, the human spin is beautifully designed and maddeningly unreliable. If you are a living, breathing human being, you have probably suffered the agony of back pain. And as long as people continue to lead overweight, sedentary and stressful lives, the number of sufferers is unlikely to go anywhere other than up.

As it does, armies of new back-pain sufferers, many desperate and even disabled, will seek relief. When they do, they'll quickly discover just how complicated their problem really is, with its mystifying mix of physical symptoms and psychological underpinnings. The reality is that the agony will often go away on its own — impossible as that may seem when you are writhing (痛苦扭曲) on the kitchen floor. The Great Pain Mystery

Back pain can originate anywhere in the elaborate spinal architecture. Degenerated discs (椎间盘), which many lead to herniation (突出) and compressed nerves, are a common problem. Then there those wrenching pain provoked by muscle injuries, which can drop grown men to the floor. What's most mysterious about back problems is the frequent disconnect between anatomical defects and pain. Unlike blood pressure and cholesterol (胆固醇), which could be measured with arm cuffs and blood tests, lower-back pain has no objective way — the volume of tears? the intensity of a grimace? — to be gauged.

Many times, the precise cause of pain remains unknown. Imaging tests found that two people with herniated discs can lead radically different lives: One spends his days popping painkillers, the other waltzes through life. In a well-known study, researchers checked 98 healthy people: Two-thirds had abnormal discs even though none complained of pain. The real issue is why some people have a mild backache and some have really crippling pain. In another research, experts compared a group of patients who reported back pain with a control group who did not. Close to two-thirds if the pain patients had cracks in their discs, so-called high-intensity zones, or HIZs. But so did 24 percent of the non-complainers.

The answer has as much to do with the mind as with the body. In the HIZ study, the best predictor of pain was not how bad the defect looked, but the patient's psychological distress. Depression and anxiety have long been linked to pain; a recent Canadian study found that people who suffer from severe depression are four times more likely to develop intense or disabling neck or low-back pain. At New York's Hospital for Special Surgery, psychiatrist Gregory Lutz says he often sees men who have two things in common: crippling sciatica (坐骨神经痛) and an upcoming wedding date. The problem in their back, possibly a degenerated or herniated disc, likely already existed, says Dr. Lutz, but was intensified by the pre-marriage jitters.

Spine Surgery Breakthrough

Pain is pain, and many want a quick fix and that means surgery. Spinal-fusion surgery, one of the most invasive and costly forms of therapy (about $42,000) has more than doubled in the US since 1993, to about 350,000 in 2003. Discectomy, which is done less invasively, has also spiked to 342,000 surgeries per year. But these procedures don't work for everyone.

The increase in all spinal surgery has been promoted in part by technical advances promising better outcomes. Perhaps the most intriguing new development is the artificial cobalt-chrome disc. In October 2004, the US Food and Drug Administration (FDA) approved the first such disc, the Charite, for patients with degenerative disc disease. The three-piece device has a sliding medical-grade plastic core sandwiched between two metal plates, which allows the spine to move. It is believed that, such discs, like knee replacements, will give patients more mobility than traditional fusion surgery. And they will get out of bed a lot sooner too. The key is to be v

A.plain ageing

B.spine defects

C.surgical failures

D.mental stress

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第3题

Every day, the news of the world is relayed to people by over 300 million copies of daily
papers, over 400 million radio sets, and over 150 million television sets. Additional news is shown by motion pictures, in theatres and cinemas all over the world. As more people learn what the important events of the day are, fewer are still concerned exclusively with the events of their own household. As the English writer John Donne put it nearly four hundred years ago, "no man is an island. " This idea is more appropriate today than it was when Donne lived. In short, wherever he lives, a man belongs to some society; and we are becoming more and more aware that whatever happens in one particular society affects, somehow, the life and destiny of all humanity. Newspapers have been published in the modern world for about four hundred years. Most of the newspapers printed today are read in Europe and North America. However, soon they may be read in all parts of the world, thanks to the new inventions that are changing the techniques of newspaper publishing. Electronics and automation have made it possible to produce pictures and text far more quickly than before. Photographic reproduction eliminates the need for type and printing presses. And fewer specialists, such as type-setters, are needed to produce a paper or magazine by the photo-offset (照相平板胶印) method. Therefore, the publishing of newspapers and magazines becomes more economical. Furthermore, photo-copies can be sent over great distances now by means of television channels and satellites such as Telstar. Thus, pictures can be brought to the public more quickly than previously. Machines that prepare printed texts for photo-copies are being used a great deal today. Thousands of letters and figures of different sizes and thicknesses can now be arranged on a black glass disc that is only eight inches in diameter, to be printed in negative form(white on a black background). The disc on the machine turns constantly at the rate of ten revolutions a second. A beam of light from a slroboscopic (频闪的) lamp shines on the desired letters and figures for about I wo-millionths of a second. Then the image of the letters and figures that were illuminated is projected onto a film through lenses. The section of film is large enough to hold the equivalent of a page of text. There is a keyboard in front of the machine that is similar to the keyboard of a typewriter, and the machine operator has only to strike the proper keys for the image of the corresponding letters to be immediately transferred to the film. The negative image on the film can quickly be transferred onto paper. This method makes it as easy to reproduce photographs and illustrations as it is to reproduce the text itself. Film, being light and small, can be sent rapidly to other places and used to print copies of the text where they are needed. Film images can also be projected easily on a movie or television screen. Television broadcasts are limited to an area that is within sight of the sending station or its relay (中继 ). Although television relays are often placed on hills and mountains so that they can cover a wider region, they still can not cover more land than one could see from the same hilltop on a clear day. However, the rays also go out into the atmosphere, and if there is a relay station on a satellite that revolves around the earth, it can transmit the pictures to any point on the earth from which the satellite is visible. Three satellites permanently revolving over the equator transmit any television program to any part of the earth. This makes it possible for world editions of newspapers to give the news in all countries at the same time. Some day it may be possible for a subscriber to a televised newspaper to press a button and see a newspaper page on his television screen. He could also decide when he wants the page to turn, and, by dialling different numbers such as those on a telephone dial, he could choose the language or the edition of the paper he wants to read. It seems strange to think that, even today, methods of the past are not entirely useless. For example, sometimes press agencies that use radio and Telstar use carrier pigeons to send messages between offices in large cities because the pigeons are not bothered by traffic problems. It may be some time before television sets become common in the average homes in Africa and Asia. However, radio is already rapidly becoming accessible to thousands of people in these areas. And, now that good radios are being made with transistors, and their price is gradually dropping because of mass production, it may not be" too long before radios become commonplace in areas which have no newspapers. Transistors make it possible for people to carry small radios wherever they go, without need of electric current. Even television sets are now operating on transistors, and the pocket TV may soon be as widespread as the pocket radio. Now that scientific progress is making it possible to send the news to all the inhabitants of the earth, it will be important to consider what news is going to be sent to them. No matter what criteria are used in making the decision, a decision must be made, since no one would&39; have time to read or listen to an account of everything there is going on in the world! People who have time to read several papers can already compare different reports of the same event. When an event has political significance, each paper reports it from the point of view of its own political beliefs or preferences. Ideally, of course, the expression of editorial opinion should be limited to the editorial page, and the news articles should be objective—telling the facts as completely as possible, without trying to give them a particular interpretation, or without otherwise trying to influence the reader&39;s opinion. However, reporters and editors are only human, and if they have strong political beliefs it is almost impossible for them to hide them. If editors believe their point of view is best for the readers of their paper, what&39;s to stop them from using the paper to try to influence public opinion? And if, some day, a world newspaper becomes a reality, will it be the most powerful press agencies that will choose the news to be sent out to all countries? The expression "no man is an island" means that no man lives surrounded by water.

此题为判断题(对,错)。

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第4题

The film today is much more interesting than___yesterday.

A.that

B.it

C.one

D.the one

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第5题

The book has more than one author.A.YB.NC.NG

The book has more than one author.

A.Y

B.N

C.NG

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第6题

A.Owning the greenhouse one day.B.Securing a job at the office park.C.Cultivating more

A.Owning the greenhouse one day.

B.Securing a job at the office park.

C.Cultivating more potted plants.

D.Finding customers out of town.

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第7题

A.The queen can move more than one square at a time.B.The queen cannot move more than

A.The queen can move more than one square at a time.

B.The queen cannot move more than one square at a time.

C.The queen cannot move anywhere.

D.The king cannot move anywhere.

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第8题

A.Present a new theory to the class.B.Read more than one article.C.Read the book more

A.Present a new theory to the class.

B.Read more than one article.

C.Read the book more thoroughly.

D.Write a hatter article for the class.

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第9题

A.To withdraw from class.B.To stay in class.C.To miss just one more class.D.To get ano

A.To withdraw from class.

B.To stay in class.

C.To miss just one more class.

D.To get another class.

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第10题

The Canterbury Tales projected about sixty stories, one for each pilgrim to tell on the way to Canterbury and one more on the way back.()
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第11题

If you want to get more information about ITEM ONE, you can call at 714-824-781A.YB.NC.NG

If you want to get more information about ITEM ONE, you can call at 714-824-781

A.Y

B.N

C.NG

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