- 阅读理解A
题干：Forgetaboutthedayswhenbanksluredcustomerswithoffersof“free”toaster.Intheharshnewworldofconsumerbanking,it’stheaccountholderwhomaygetburned.Overthepastfewyears,bankshavesystematicallyraisedtheiroldfeesandinventednewones—asmanyas100differentkinds.Thesizeofthesechargesjumpedmorethan50percentoncheckingandsavingsaccountssince1990,accordingtoBankRateMonitor,anindependentprovideroffinancialdata.Meanwhile,interestratespaidonpassbooksavingsandnegotiableorderofwithdrawal(NOW)accountsfailedtokeeppacewithinflation,letalonewithotherlow-riskinvestments.Andtechnologieslikeautomatedtellermachines(ATMs)havetrulyturnedintocashmachines—forthebank.CheckingProfits.AccordingtoareportbytheFederalReserveBoard,fewerthaneightpercentofallcommercialbanksnowofferfreechecking.Insomebigcities,suchasLosAngelesandSanFrancisco,freecheckingisvirtuallyextinct.What’smore,theminimumbalancerequiredfortheaveragecheckingaccounthasincreaseddramaticallysincetheFederalReservelastsurveyedbanksin1994.AccountholderslookingforinterestontheircheckingthroughaNOWaccounthadtoraisetheirbalancenearly50percentto$1,500onaverageandtheyearnedjust1.5percentannuallyfortheirtrouble.NationsBankinMiamirecentlyoffereda“DeluxeSecure”checkingaccount.Depositorsgotonlyanaverage1.5percentinterestontheircheckingbalance.Andtheywererequiredtokeep$5,000tiedupinasavingsaccountor$21maintenancefee.NewYorkCity’schemicalinformeditscheckingcustomersthattheir“lowminimum”accountswouldbeconvertedintonew“relationship”accounts—withahigherminimumbalance.Thenewminimumnecessarytoavoidextrafeesjumpedfrom$1,500to$3,000.Thedubiousnewbenefitstocustomers?Bankingexecutivessaythere’sagoodreasonwhyfeesarehigher.Sincefinancialserviceswerederegulatedintheearly1980s,competitorshaveluredawayhigh-marginbusinessthatoncesustainedbankprofits.Americansareavoidinglow-interestbankaccountsinfavorofhigh-yieldinginvestmentssuchasmutualfunds.Creditcardholderscangetmorefavorabletermsfromanationalcardissuerthanfromtheirlocalbank.Home-buyerscannowtapanationalmarketforthemostcompetitivemortgagerates,andnew-carbuyerscanshopforloansfromauto-financespecialistslikeGeneralMotorsAcceptanceCorp.Still,thebankshavemanagedtoregaintheirprofitsinpartwithhighcustomerfees.Infact,thebankingindustryhasreportedrecordearningsoverthepastthreeyears.
题目： The term “high-margin business” (Line 2, Paragraph 7) probably means（）. - A 、very profitable business
- B 、very promising business
- C 、bankrupt business
- D 、well-managed business
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参考答案【正确答案：A】
语义理解题，根据第七段前三句：美国人避开低利率的银行帐户，而选择高回报的投资，如共同基金。从句中的“支撑银行利润”可以推出，这些应该是效益好的企业，由此可推测high-margin business指“高利润的企业”，故A项为正确答案。
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