阅读C：
　　Relationship Banking
　　one of the more dissembles trends in the financial-service industry in recent times has been the adoption of programs designed to encourage more personalized relationships between an institution's employees and its clients,particularly those who are major depositors.The expression most commonly used to describe the 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 need;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 relationship group.A successful relationship-banking program is,therefore,independent individual in a large part on the development of a series of financial-service"package,"each designed to meet the needs of identifiably 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 relationships are therefore difficult to establish.In a full relationship-banking program,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.
　　1、According to the definition of relationship banking quoted in the passage,one of the main aims of this type of banking is to encourage clients to ___.
　　A.consult with each other concerning their finances
　　B.keep all their business with a single bank
　　C.recognize their own banking
　　D.keep their financial requirement to a minimum
　　参考答案：B
　　参考解析：第二段最后一句，In relationship banking the emphasis is on…minimizing the need or desire of clients to splinter their financial business among various institutions.
　　关系银行的目的是把客户分散资金到不同银行中的需求和期望降到最低，使他们只在一个银行进行交易，只与一个银行保持业务关系。
　　2、With what subject is the passage mainly concerned?
　　A.the decline of the financial-service industry
　　B.variety within financial services
　　C.a way making more personal
　　D.increasing everyday banking transaction
　　参考答案：C
　　参考解析：本文主要讲述的是使银行服务更加个性化的方法。文章的开头就点明了主题。one of the more dissembles trends in the financial-service industry in recent times has been the adoption of programs designed to encourage more personalized relationships between an institution's employees and its clients
　　3、According to the passage,what is a necessary first step in instituting relationship banking?
　　A.resigning bank buildings.
　　B.hiring congenial staff who make clients welcome.
　　C.recognizing the needs of groups and individuals.
　　D.teaching bank employees to be more confident.
　　参考答案：C
　　参考解析：第三段的最后一句，a series of financial-service"package,"each designed to meet the needs of identifiably homogeneous groups.一个成功的关系银行项目就是要有很多的系列服务项目，不同的项目可以满足不同人的需求，所以要创立关系银行，要做的第一件事就是充分认识个人和群体的不同需求。
　　4、What is the meaning of the word"institutions"in the first paragraph?
　　A.banks
　　B.schools
　　C.hospitals
　　D.police stations
　　参考答案：A
　　参考解析：指公共机构，在本文中指的是银行。
　　5、Which of the following can be inferred from the passage about relationship banking programs?
　　A.they have recently been discontinued
　　B.they are already being used
　　C.they will shortly used
　　D.they will be used in the distant future
　　参考答案：B
　　参考解析：第一段提到了，由此可以推断关系银行这一项目已经得到了采用。
　　参考译文：
　　关系银行
　　近年来，金融服务业的一个更为隐蔽的趋势是采用旨在鼓励机构员工及其客户，特别是主要储户之间更个性化关系的计划。最常用于描述项目类型的表达是“关系银行业务”。1985年出版的《市场营销金融服务：
　　在关系银行业务中，重点是建立一种长期的、多种服务的关系；满足客户的全部金融需求；最大限度地减少客户将其金融业务分散到各个机构的需求或愿望。
　　在关系银行的任何定义中，隐含的是承认一个个人或关系集团的金融服务要求。因此，一个成功的关系银行项目在很大程度上是独立个体发展的一系列金融服务“一揽子计划”，每个计划都是为了满足相同群体的需求。
　　关系银行的另一个维度是员工与客户之间高度个性化的关系的发展。在今天的大多数金融机构中，无论交易的性质如何，客户都是由当时正好是自由的任何员工提供服务的。因此，很难建立个性化的关系。然而，在一个全面的关系银行项目中，客户知道机构中有一个人对客户的要求和对复杂交易的偏好有着密切的了解。随着时间的推移，客户对该员工建立了高度的信心。简而言之，客户和员工之间的个性化关系不断发展。