The other banks are going to be very eager to help,_____they see that he has a specific plan.

A．otherwise

B．in spite of

C．provided that

D．that

Since the early 1930s,Swiss banks had prided themselves on their system of banking secrecy and numbered accounts.Over the years,they had successfully withstood every challenge to this system by their own government who,in turn,had been frequently urged by foreign governments to reveal information about the financial affairs of certain account holders.The result of this policy of secrecy was that a kind of mystique had grown up around Swiss banking.There was a widely-held belief that Switzerland was irresistible to wealthy foreigners, mainly because of its numbered accounts and bankers, reluctance to ask awkward questions of depositors.Contributing to the mystique was the view,carefully propagated by the banks themselves, that if this secret was ever given up, foreigners would fall over themselves in the rush to withdraw money, and the Swiss banking system would virtually collapse overnight. To many, therefore, it came like a bolt out of the blue, when, in 1977，the Swiss banks announced they had signed a pact with the Swiss National Bank (the Central Bank).The aim of the agreement was to prevent the improper use of the country’s bank secrecy laws，and its effect to curb (遏制)severely the system of secrecy. The rules which the banks had agreed to observe made the opening of numbered accounts subject to much closer scrutiny than before.The banks would be required,if necessary,to identify the origin of foreign fund going into numbered and other accounts.The idea was to stop such accounts being used for dubious (可疑的)purposes.Also，they agreed not to accept funds resulting from tax evasion or from crime. The pact represented essentially a tightening up of banking rules.Although the banks agreed to end relations with clients whose identities were unclear or who were performing improper acts, they were still not obliged to inform. on a client to anyone, including the Swiss government.To some extent,therefore,the principle of secrecy had been maintained. Swiss banks took pride in_________.A.the number of their accounts
B.withholding client information
C.being mysterious to the outsiders
D.attracting wealthy foreign clients
According to the passage,the widely-held belief that Switzerland was irresistible to wealthy for-eigners was__________by banks themselves.A.denied
B.criticized
C.reviewed
D.defended
In the last paragraph,the writer thinks that________.A.complete changes had been introduced into Swiss banks
B.Swiss banks could no long keep client information
C.changes in the bank policies had been somewhat superficial
D.more changes need to be considered and made
Swiss banks are tightening its banking rules by________.A.examining the origin of foreign funds before going into accounts
B.preventing doubtful accounts from going into the bank
C.refusal of funds from crimes or tax evasions
D.all of the above
The purpose of the pact signed with the Swiss National Bank was__________.A.to attract more wealthy foreigners to the bank
B.to stop improper use of the banking secrecy laws of the country
C.to increase the numbered accounts of the Swiss Banks
D.to add mystery to Swiss Banks

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阅读材料，回答题。Much unfriendly feeling towards computers has been based on the fear of wi
阅读材料，回答题。
Much unfriendly feeling towards computers has been based on the fear of widespread unemployment resulting from their introduction. Computers are often used as part of automated(自动化的) production systems requiring a least possible number of operators, causing the loss of many jobs. This has happened, for example, in many steelworks.
On the other hand, computers do create jobs. They are more skilled and better paid, though fewer in number than those they replace. Many activities could not continue in their present form. without computers, no matter how many people are employed. Examples are the check clearing (交换) system of major banks and the weather forecasting system.
When a form. introduces computers, a few people are usually employed in key posts (such as jobs of operations managers) while other staff are w-trained as operators, programmers, and data preparation staff. After the new system has settled down, people in non-computer jobs are not always replaced when they leave, resulting in a decrease in the number of employees. This decrease is sometimes balanced by a substantial increase in the activity of the frim, resulting from the introduction of computers.
The attitudes of workers towards computers vary. There is fear of widespread unemployment and of the takeover of many jobs by computer-trained workers, making promotion for older workers not skilled in computers more difficult.
On the other hand, many workers regard the trend toward wider use of computers inevitable.They realize that computers bring about greater efficiency and productivity, which will improve the condition of the whole economy, and lead to the creation of more jobs. This view was supported by the former British Prime Minister, James Callaghan in 1954, when he made the point that new technologies hold the key to increased productivity, which will benefit the economy in the long ran.
The unfriendly feeling towards computers is developed from 查看材料
A.the possible widespread unemployment caused by their introduction
B.their use as part of automated production systems
C.the least possible number of operators
D.the production system in steelworks

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The term e-commerce refers to all commercial transactions conducted over the Internet, including transactions by consumers and business-to-business transactions. Conceptually, e-commerce does not【C1】 ______ from well-known commercial offerings such as banking by phone, "mail order" catalogs, or sending a purchase order to a supplier 【C2】 ______ fax. E-commerce follows the same model 【C3】 ______ in other business transactions; the difference 【C4】 ______ in the details.
To a consumer, the most visible form. of e-commerce consists 【C5】 ______ online ordering. A customer begins with a catalog of possible items, 【C6】 ______ an item, arranges a form. of payment, and 【C7】 ______ an order. Instead of a physical catalog, e-commerce arranges for catalogs to be 【C8】 ______ on the Internet. Instead of sending an order on paper or by telephone, e-commerce arranges for orders to be sent 【C9】 ______ a computer network. Finally, instead of sending a paper representation of payment such as a check, e-commerce 【C10】 ______ one to send payment information electronically.
In the decade 【C11】 ______ 1993, e-commerce grew from an 【C12】 ______ novelty (新奇事物) to a mainstream business influence. In 1993, few【C13】 ______ had a web page, and 【C14】 ______ a handful allowed one to order products or services online. Ten years 【C15】 ______ , both large and small businesses had web pages, and most 【C16】 ______ users with the opportunity to place an order. 【C17】 ______ , many banks added online access, 【C18】 ______ online banking and bill paying became 【C19】 ______ . More importantly, the value of goods and services' 【C20】 ______ over the Internet grew dramatically after 1997.
【C1】
A．distract
B．descend
C．differ
D．derive

The celebration of the New Year is the oldest one of all holidays. It was first【1】in【2】Babylon about 4,000 years ago. New Year's Day is an【3】national holiday, and banks and offices will be closed. Many families have New year's Day【4】.
Traditionally, it was thought that it could【5】the luck they would have【6】the coming year by【7】they did or ate on the first day of the year. For that reason, it has become common for【8】to celebrate the first few minutes of a【9】new year in the【10】with the family and friends. Parties often last into the middle of the night after the ringing of a new year. It was once believed that the first visitor on New Year's Day would bring【11】good luck or bad luck to the rest of the year. It was particularly lucky if that visitor【12】to be a tall dark-haired man.
Traditional New Year's【13】are also thought to bring luck. People in many parts of the US celebrate the New Year by【14】black-eyed peas and cabbage. Black-eyed peas have been considered good luck in many cultures. Cabbage leaves are considered a【15】of prosperity, being【16】of paper currency. Other traditions of the season include the making of New Year's resolutions. That tradition also【17】back to the early Babylonians. Popular modern resolutions might include the【18】to lose weight or quit smoking.
The song, "Auld Lang Syne", is sung at the【19】of midnight in almost every English-speaking country in the world to bring in the New Year. "Auld Lang Syne" literally【20】"yearning for the old days."
(1)
A．remarked
B．commented
C．observed
D．viewed

Martin Luther King, Jr., is well known for his work in civil rights and for his many famous speeches, among them his moving "I Have A Dream" speech. But fewer people know much about King's childhood. M. L., as he was called, was born in 1929 in Atlanta, Georgia, at the home of his maternal grandfather. M.L.'s grandfather, the Reverend A. D. Williams, purchased their home on Auburn Avenue in 1909, 20 years before M. L. was born. The Reverend Williams, an eloquent speaker, played an important role in the community since so many people's lives centered around the church. He allowed his church and his home to be used as a meeting place for a number of organizations dedicated to the education and social advancement of blacks. M.L. grew up in this atmosphere, with his home being used as a community gathering place, and was no doubt influenced by it.
M. L.'s childhood was not especially eventful. His father was a minister and his mother was a musician. He was the second of three children, and he attended all-black schools in a black neighborhood. The neighborhood was not poor, however. Auburn Avenue was the main artery through a prosperous neighborhood that had come to symbolize achievement for Atlanta's black people. It was an area of banks, insurance companies, builders, jewelers, tailors, doctors, lawyers and other black-owned or black-operated businesses and services. Even in the face of Atlanta's segregation, the district thrived. Dr. King never forgot the community spirit he had known as a child, nor did he forget the racial prejudice that was a seemingly insurmountable barrier that kept black Atlantans from mingling with whites.
What is this passage mainly about？
A．The prejudice that existed in Atlanta.
B．Martin Luther King's childhood.
C．M. L.'s grandfather.
D．The neighborhood King grew up in.

Public response to technology often varies in peculiar ways. While biotechnology, for example, gives rise to organized opposition, information technology, which is actually no less invasive (侵害的) ,no more harmless, is welcomed or, at the least, accepted with comparatively little debate. Information technologies from computers and communications ---- have obviously had an overwhelming social impact and their benefits hardly need explanations, but they have also disturbed privacy and threatened civil liberties, computerized data banks empower bureaucratic authorities by providing easy access to personal information-about credit ratings, social performance, housing and medical histories. They will allow access to genetic figures, providing information about our tendencies to employers, insurers, product advertisers, banks and other institutions that exercise control over our lives. Computerization allows the severe extension of advertising through telemarketing requests that shamelessly intrude our home life. Information technologies have displaced people from jobs and turned potentially skilled workers into low-level computer technologies. Computers have facilitated the work of scholars, but also turned them into typists; yet one hears hardly a complaint. They have turned the simple act of buying a plane ticket into an endless manipulation (控制) , but we welcome the so-called convenience. They have encouraged new forms of crime and fraud(欺诈) , but we describe them with grudging admiration. They have allowed new types of evil weaponry. But we call them "smart bombs". Perhaps the most important, information technologies have extended the power of the mass media, creating unusual possibilities for political manipulation reducing accountability (有责任,有义务 ), and changing the nature of political life. It is true that there are critiques(批评) of information technologies from those professionally concerned about their problematic(有问题的) legal, social and political implications. There is a near total absence, however, of organized public concern about technologies with profound and problematic implications.
11.According to the author, information technology_____________.
A. Has nothing positive
B. Has not given rise to organized opposition
C. is less harmless than biotechnology
D. is accepted without any debate
12.By the term "computerization the author means that______________.
A. all of industrial work is controlled by computer
B. computer plays an important role in our economic life
C. computer becomes an essential part in our everyday life
D. all scientific work is done with the help of computer
13.What worries the author most is that ______________..
A. political manipulate through mass media will become normal in our political life
B. our privacy will be threaded by businessmen
C. there will be more crimes and frauds by high tech
D. new types of evil weaponry will be invented
14.Those who criticizes information technologies are _____________.
A. leaders of the organized opposition to information technologies
B. persons engaged in professional works
C. those who benefit most from information technologies
D. those who benefit least from information technologies
15.(多选)The benefits brought by information technology is ____________.
A. quite evident
B. hard to explain
C. being overcome by social opposition
D. to benefit few people

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Governments that want their people to prosper in the burgeoning world economy should guarantee two basic rights: the right to private property and the right to enforceable contracts, says Mancur Olson in his book Power and Prosperity. Olson was an economics professor at the University of Maryland until his death in 1998.
Some have argued that such rights are merely luxuries that wealthy societies bestow, but Olson turns that argument around and asserts that such rights are essential to creating wealth. "Incomes are low in most of the countries of the world, in short, because the people in those countries do not have secure individual rights," he says.
Certain simple economic activities, such as food gathering and making handicrafts, rely mostly on individual labor; property is not necessary. But more advanced activities, such as the mass production of goods, require machines and factories and offices. This production is often called capital-intensive, but it is really property-intensive, Olson observes.
"No one would normally engage in capital-intensive production if he or she did not have rights that kept the valuable capital from being taken by bandits, whether roving or stationary," he argues. "There is no private property without government--individuals may have possessions, the way a dog possesses a bone, but there is private property only if the society protects and defends a private right to that possession against other private parties and against the government as well."
Would-be entrepreneurs, no matter how small, also need a government and court system that will make sure people honor their contracts. In fact, the banking systems relied on by developed nations are based on just such an enforceable contract system. "We would not deposit our money in banks ... if we could not rely on the bank having to honor its contract with us, and the bank would not be able to make the profits it needs to stay in business if it could not enforce its loan contracts with borrowers," Olson writes.
Other economists have argued that the poor economies of Third World and communist countries are the result of governments setting both prices find the quantities of goods produced rather than letting a free market determine them. Olson agrees that there is some merit to this point of view, but he argues that government intervention is not enough to explain the poverty of these countries. Rather, the real problem is lack of individual rights that give people incentive to generate wealth. "If a society has clear and secure individual rights, there are strong incentives (刺激，动力) to produce, invest, and engage in mutually advantageous trade., and therefore at least some economic advance," Olson concludes.
Which of the following is true about Olson？
A．He was a fiction writer.
B．He edited the book Power and Prosperity.
C．He taught economics at the University of Maryland.
D．He was against the ownership of private property.

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Many of the major banks allow you to pay bills or transfer funds with a smart phone.（英译中）

The Supreme Court's recent decision allowing regional interstate banks has done away with one restriction in America's banking operation, although many others still remain. Although the ruling does not apply to very large money-center banks, it is a move in a liberalizing direction that could at last push Congress into framing a sensible legal and regulatory system that allows banks to plan their future beyond the next court case.
The restrictive laws that the courts are interpreting are mainly a legacy of the bank failures of the 1930's. The current high rate of bank failure—higher than at any time since the Great Depression—has made legislators afraid to remove the restrictions. While their legislative timidity is understandable, it is also mistaken. One reason so many American banks are getting into trouble is precisely that the old restrictions make it hard for them to build a domestic base large and strong enough to support their activities in today's telecommunicating round-the-clock, around-the-world financial markets. In trying to escape from this restrictions, banks are taking enormous, and what should be unnecessary, risks. For example, would a large bank be buying small, failed savings banks at inflated prices if federal laws and states regulations permitted that bank to explain instead through the acquisition of financially healthy banks in the region？ Of course not. The solution is clear. American banks will be sounder when they are not geographically limited. The house of Representative's banking committee has shown part of the way forward by recommending common-sense, though limited, legislation for a five-year transition to nationwide banking. This would give regional banks time to group together to form. counterweights to the big money-center banks. Without this breathing space the big money-center banks might soon extend across the country to develop. But any such legislation should be regarded as only a way station on the road towards a complete examination of America's suitable banking legislation.
The author's attitude towards the current banking laws is best described as one of ______.
A．concerned dissatisfaction
B．tolerant disapproval
C．uncaring indifference
D．great admiration

A、establishing the requirements for negotiable instruments, such as checks
B、establishing the rules and principles that regulate bank deposit procedures for checking accounts offered by commercial banks
C、stipulating the rules that regulate the creation and collection of and liability for wire transfers
D、reviewing and revising guidelines for ownership of securities by investors

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