- 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： According to banking executives, the higher bank fees may result from（）. - A 、the slowdown of economy
- B 、low-interest bank accounts
- C 、the decrease of the number of bank investors
- D 、the increase of the number of credit-card holders
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参考答案【正确答案：C】
推理判断题，文章第七段前四句可以推断，费率提高的原因是因为客户数量的减少，故C项“银行投资者数量的减少”是银行征收高额费用的根本原因。
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