商务英语阅读教程1第二版叶兴国课后答案

Unit 1Getting to KnowPractice: bcab acabPart AReading and Understanding1.(1) the first day the author’s daughter went to college(2) the author/the father(3) The daughter(4) Visa, MasterCard and American Express2.Section A: bSection B: dSection C: fSection D: aSection E: eSection F: c3. BDACCPart BExercises1. DCBB2. (1) c (2) a (3) e (4) g (5) d (6) h (7) b (8) f英语 Part CTimed Reading ComprehensionText A: BDDCDText B: ACDABFurther Reading1. CUnit 2Getting to KnowPractice:In this letter Abigail Adams wants to convince her husband to include better treatment of women in the laws of the new country. She tries warning him that if “particular care and attention is not paid to the ladies,” women will start their own rebellion. She also appeals to his common sense by saying “men of sense in all ages abhor those customs.”Part AReading and Understanding1.(1) Facebook, and eHarmony(2) c reate an engaging profile with some decent photos, or sometimes even take a personalitytest(3) when he is out and about—taking part in various types of activities and functions(4) you don’t want to get caught in a lie before your first date2. CDABCPart BExercises:1. FTFFTTT2. (1) d (2) c (3) a (4) e (5) bPart CTimed Reading ComprehensionText A: CADABText B: ACBDCFurther Reading 1. AUnit 3Getting to Know Practice:PreviewPredictIdentify new words SummarizeTake notes InterpretClarifyPredict what will come nextParaphrase Part AReading and Understanding 1.(1) Santa Fe, New Mexico/American Southwest (2) Maine (3) thirty, twelve(4) long conversations, wonderful meals and a touching hike 2. CDBAB Part B Exercises: 1. DAAB2. (1) d (2) e (3) a (4) b (5) f (6) h (7) c (8) g Part CTimed Reading Comprehension Text A: CABDB Text B: ADBBA Further Reading 1. B英语 Unit 4Part AReading and Understanding1.(1) a young lady(2) that a kind-hearted bank teller gave her a gentle touch which made her feel being loved2.Section A iiiSection B iiSection C ivSection D i4. ACBDDPart B1. ADDAB2.(1) insurance (2) deductible (3) permissible (4) Eligible(5) offspring (6) pre-natal (7) spouses (8) progressivelyPart CText A: DCDBCText B: BCBACFurther ReadingStep 1. DUnit 5Part AReading and Understanding1.(1) an; argumentation(2) t hat modern devices and digital conveniences make us more distracted and less able toconcentrate2.Section A iiSection B iSection C iii4. DBBADPart B1. BBDAB2. (1) g (2) d (3) b (4) e (5) f (6) a (7) c (8) hPart CText A: ADBCAText B: ADCDBFurther ReadingStep 1. DUnit 6Part AReading and Understanding1.(1) citizenship(2) four2.Section A iSection B iiiSection C ii4. CABDBPart B1. ABCBC2.(1) convict (2) applicant (3) privilege (4) commitment (5) access (6) grant (7) residence (8) scholarship英语 Part CText A: CBBCDText B: CDDBCFurther ReadingStep 1. CUnit 7Part AReading and Understanding1.10; keep your stress in check and how to relax when it gets to be too much.3. BBCAD3. BBCADPart BCACAPart CText A: DCCBAText B: CDBAAFurther ReadingStep 1. AUnit 8Part AReading and Understanding1.the fact that her husband has had no accident and therefore she won’t be able to live for herself and cannot be “Free! Body and soul free!”2.Section A iiSection B ivSection C iiiSection D vi4. DCCBAPart B1. ACDBA2. (1) d (2) a (3) f (4) c (5) e (6) bPart CText A: FTTFFText B: CDDABFurther ReadingStep 1. DUnit 9Part AReading and Understanding1.to provide free basic care for low-income people, especially the working poor2.Section A vSection B iSection C iiiSection D ii4. ABCCDPart B1. CBDD2.(1) starters (2) compliments (3) cue (4) initial (5) fake (6) perceived (7) initiative (8) neutralPart CText A: DDBDB英语 Text B: DACCBFurther ReadingStep 1. AUnit 10Part ABefore Reading2. Predicting(1) College students.(2) Exposition.Reading and Understanding1. BC2. DACB4.a. ACABBb. DADAAPart B1. BAACD2. (1) E (2) B (3) I (4) G (5) J (6) F (7) C (8) L (9) H (10) D (11) A (12) K3.(1) electricity (2) hazardous (3) confinement(4) evacuate (5) radiatesPart CText A: DBBCAText B: CDBABFurther ReadingStep 1. BUnit 11Part AReading and Understanding1. BA2. TTTFT/aebc4. CBDDA5. BBDDCPart B1. CDACB2.(1) dedicated (2) hacked (3) activated(4) obsolete (5) hasslePart CText A: ABDACText B: BCABDFurther ReadingStep 1. DUnit 12Part AReading and Understanding1. B A2. B D C A4.a: Q1: R efer to Paragraph 1. The first is citizenship as legal status, defined by civil, political and social rights. The second considers citizens specifically as political agents, actively participating in a society’s political institutions. The third refers to citizenship as membership in a political community that furnishes a distinct source of identity.Q2: R efer to Paragraph 6. The republican model sees citizenship as a political office, and the liberal model sees citizenship as a legal status.Q3: R efer to Paragraph 7. The two models complement each other in that political liberty is the necessary guarantee of individual liberty.英语 Q4: R efer to Paragraph 7. The republican model is active enjoyment of citizenship, and the liberal model is passive enjoyment of citizenship.Q5: R efer to Paragraph 7. The liberal model.b. BACDDPart B1.(1) federal volunteering(2) Do you have a passion?(3) a/one year(4) a small stipend3. (1) d (2) e (3) a (4) c (5) f (6) bPart CText A: BADCBText B: CBDACFurther ReadingStep 1. A。

Unit 12. Fill in each blank of the following sentences with one of the phrases in the list given below. Make changes when necessary.1) At a time whe n the n eed is grow ing for men tai health services, many coun tries are unfortunately cutting back on its spending.2) There is an in creas ing nu mber of people out of work. But the wester n media ofte n unfairly label them as lazy and reliable.3) Now that the flow of oil has been stopped by BP, thempact of all the spilled oil and n atural gas is still being measured.4) Once again its ability to steer economic policy will be tested against the ability todeliver on services and projects aimed at growing the economy and jobs.5) Hous ing prices are in credibly high today. But he bought his house for a song aboutfive years ago. 6) As people are complaining high prices, especially those related to daily n ecessities,the gover nment feels rather urge nt to hold down in flati on rate immediately.7) Under the new economy policy investors are invited to buy into state-owned enterprises.8) Since a serious gun shooting occurred in Arizona last week, security concerns havetrickled down to all places, in clud ing reside ntial build in gs.9) Social unrest is a daily occurrence in the country nowadays. It is in the last placewhen it comes to nv estme nt for mult in ati onal compa ni es. 10) Efforts to ban smoking in China are so effective yet. Some chain smokers never thinkof quitting while many others have battled in vain to quit. 3. Match the terms in column A with the definitions in column B: A) A reducti on in the gen eral availability of loans (or credit) or a sudde n tighte ning of the con diti ons required to obta in a loan from the banks 1 B) A non-bank entity or organization such as investment companies and mutual funds that inv ests in large qua ntities.§ C) A legal en tity created by a government to un dertakecommercial activities on its behalf.6 D) The trad ing of a corporation's stock or othersecurities (e.g. bonds or stock options) by in dividualswith pote ntial access to non-public in formatio n. 9E) An in dustry that requires large amounts of capital,mach inery and equipme nt to produce goods 5F) Gen erati on of new and creative approaches tosecurities, money man ageme nt or in vest ing lG) An economy that is expanding so rapidly that toomuch money is chas ingtoo few goods and 1) financial innovation2) stimulus package3) overheating 4) stamp tax 5) capital-inten sive sector 6) state-ru n firmecono mists fear a rise in in flati on 卫7) credit crisis H) tax levied on certa in legal tran sact ions such as thetran sfer of a property such as build ing, copyright, land,pate nt, and securities.8) in stituti onal inv estor I) A pla n or a series of measures take n by agover nment to jump-start its aili ng economy,gen erally as a part of its fiscal policy. _210) in sider tradi ng Unit 22. Fill in each blank of the following sentences with one of the phrases in the listgiven below:1) The search for the child was scaled back harply today, with almost a third of the volun2) into a recession by year s end.teers head ing home.The former Federal Reserve Chairman saysthere is a risk that the US could slip3) The CEO of the firm said that they would switch priority from traditionallabor- inten sive products to more hi-tech and value-added ones.4) In the aftermath of the financial crisis the group has put on hold some of itsambitious regi onal expa nsion pla ns.5) Toyota Motor Corp. is offering widespread job buyouts to its US workers for the first time and cutting the workweek at some of its American plants by 10% tocontend with falli ng sales.6) Eventually, it must morph into a system that functions on stability, or it will fail andcause an un stoppable breakdow n and widespread hardship.7) Unfortunately most of the central banks in the world today are still firmly underthe thumb of politicia ns.8) The stock market ' enduranee could depend heavily on whether economic andcorporate performa nee rema ins un certa in, or begi ns in dicati ng that the economy truly is out of the woods9) Survivors were encouraged to talk about their horrible experiencesto help them cometo terms with the flood disaster.10) Other coun tries—no tably Australia—have also avoided a bust in their hous ingmarkets, and have in stead see n prices in creas flatten out.3. Match the terms in column A with the explanations in column B:_______ A ______________ ______________________ B1) double-dip recession A) A physical substanee, such as foodgrains and metalswhich is interchangeablewith another product of the sametype, and which investors buy or sell, usually throughfuture con tracts Z2) credit rati ng B) A measure that exam in esthe weighted average ofprices of foodstuffs, ofte n used as an importa nt factor toassess the cost of liv ing93) austerity C) A gover nment policy of deficit-cutt in g, lower spe nding,and a reduct ion in the amount of ben efits and publicservices provided, sometimes coupled with in creases intaxesto pay backcreditors to reduce debt.34) private sector D) A central bank regulation that sets the minimumreserveseach commercial bank must hold to customerdeposits and no tes105) protective tariff E) The part of the economy that is not state con trolled,and is run by in dividuals and compa nies for profit. 46) beggar thy neighbor F) An expression in economics describing policy thatseeks ben efitsfor one country at the expe nse of others.Such policies attempt to remedy the economic problems inone country by means which tend to worse n the problemsof other coun tries67) commodity G) A published ranking based on detailed financialanalysis by a credit bureau, of one' financial history,specifically as it relates to one' ability to meet debt obligations. 28) sovereign-debt crisis H) A crisis in which a national government owes so muchdebt that it is unable to repay or on the edge of ban kruptcy89) food-price index I) A tariff which tries to ban imports to stop themcompeti ng with local products 510) reserve requirement J) A situation where economic growth slides back tonegative after a short-lived growth and the economy maymove into a deeper and Ion ger dow nturr!Unit 31. Fill in each blank of the following sentences with one of the phrases in the listgiven below. Make changes when necessary.1) Investors from big cities are quick to snap up real estatesin this booming town for theirrising future values.2) There are already clear signals that the investors will shift away from the finan cialfirm in legal trouble.3) High in put costs are likely to put pressure on steel prices in the domestic market even if dema nd still rema ins high.4) The prime minister said Thursday that a new international airport will be built in thesouther n city to cater to the rising nu mber of passe ngers and air cargoes there. 5) Many econo mists fear that the con tract ion of money supply may dry up financing needed for various econo mic activities.6) Professor Nil was, however, quick to warn the public to be on their guard against thosecoun terfeits alreadyi n circulation7) Academy Awards, Emmy Awards and doze ns of prestigious awards from prominentfilm festivals around the world attest to the stellar quality of the films being featured at the annual World Community Film Festival.8) A neighborhood group in the district plans to hold a fundraiser to help children pay offoverdue book fines so that they can resume using their library9) The writer 'fame shrank last year becausethe public thought he was knockingout so many thi ngs.10) Bus in ess leaders have urged the gover nment to snap up farmla nd overseas togrow basic staples as a buffer aga inst soari ng food prices.11) T he Vancouver team vowed to get back to doing the little things right and knew itwould add up to big things.12) What has happenedover the past few years indicates that great political, socialand econo mic tran sformatio ns are n the making.2. Match the terms in column A with the definitions in column B.A B1) emergi ng market2) profit marg in3) con sumer spe nding4) con sumerism5) disposable in come6) optio n7) econo mic restructuri ng8) turnaround9) curre nt acco unt10) economic model A) A con tract that permits the owner, depe nding on the type of optio n held, to purchase or sell an asset at a fixed price un til a specific dateB) A theoretical con struct that represe nts econo mic processes by a set of variables and a set of logical and qua ntitative relati on ships betwee n then10 C) An economy with fast growth rate but low to middle per capita in come, has ope ned up its market and integrated itself into the global economy;!D) The process of movi ng from a period of losses or low profitability into a more profitable stage for a firm, in dustry or economy.8E) Ratio of profit after taxes to cost-of-sales, ofte n expressed as a perce ntage, measuri ng the profitability of a firm and in dicat ing its cost structure2F) P ortion of the bala nee of payme nts con sisti ng of exports and imports of goods and services, as well as tran sfer payme nts such as foreig n aid gran ts. 9G) The amount of money spe nt by households,measured mon thly, making up an importa nt part of an economy^H) The phe nomenon of an economy shifti ng from amanufacturing to a service sector economic base.7I) A moveme nt equati ng pers onal happ in esswith purchas ing material possessi ons andconsumption. 4J) The amount of in come left to an in dividual after taxes have bee n paid, available for spe nding and sav ing_5Unit 42. Fill in each blank of the following sentences with one of the phrases in the listgiven below. Make changes when necessary.1) China will adhere to the prin ciple of develop ing high tech no logy and realiz ingindustrialization to step up the commercialization, industrialization and intern atio nalizatio n of scie ntific and tech no logical achieveme nts.2) In the recent crisis no banks could manageto bail out the companies in financial pressure.3) In terms of the in formatio n from the Uni verse he is apathetic and sometimes irritable, he is like an ostrich sticking hisheadin sand4) It will be up to the board to decide if the CEO should be removed.5) All our hopes rest upon the arrival of the shipme nt.6) The plan has already been worked out , and could be put into operation at a mome nt's no tice.7) The whole machinery of civilization will break down if this doctrine wins in the war.8) His remarks hit home whe n he said that we did n ot work eno ugh.9) Some analysts suspected that Toyo taad pulled strings to stifle probes into its auto quality problems. 10) Mercy is reaching out to those who have no thi ng to give back to you.3. Match the terms in column A with the explanations in column B:A ___________________B ________________________________________ 1)free market 2) coalition government 3) dem on stratio n effects 4) health in sura nee 5) n ati onal in terest 6) pension schemeA) Effects on the behavior of in dividuals caused byobservati on of the actions of others and theirconsequences.B) An economic turmoil where companies go bankrupt, people are laid off, and markets aresluggish. There is a lot of panic in both bus iness and daily lives 9C) A market in which there is no economicinterventionby the state except to enforce privatecon tracts and the own ership of property. 1D) A qualified retirement plan set upby a corporation, labor union, gover nment or other orga ni zation for its employees 6E) A form of collectivism by means of which peoplecollectively pool their risk, in this case the risk ofin curri ng medical expe nses4 F) The ability to obtain what one wants through economic or cultural means. It allows nations toexert their in flue nee without using militarymeans or coerci on 8G) A fight or con ten tio n for territory, power,con trol, or resources betwee n tow more partiesin a place or area.7H) Things of great importa nee to a n ati on,including its goals, visions and ambitions in political, economic,cultural fields, etc. and acti ons, circumsta nces, and decisi onstoachieve them. 5I) A cabinet of a parliamentary governmentin whichseveralparties cooperate.2Unit 72. Fill in each blank of the following sentences with one of the phrases in the listgiven below:1) With his expanding wireless broadband plan, Obama wants to usher every Americaninto the 'Digital Age'.2) School activities start winding down about two weeks before the end of semester.3) The man said he couldn't come up with an appropriate answer just at the time.4) Everybody is sure that the ceaseless dripping owater will in the end hollow out astone.5) The progressive movement, which had already brought important changes in federalpolicies, stood on the verge of culmi natio n and fulfillme nt6) The state has suffered so much loss. The smugglers should n ever be allowed to getoff easy.7) After product ion expa nsion, this compa ny now can turn out a millio n televisi onsets a mon th.8) The preeminent writer's personal appearanee picked up the sales of the book considerably9) The n ewly announ ced credit policy may help many family-ow ned bus in esses getthrough the tough times at prese nt..10) The gover nment has imposed drastic econo mic con trols tohoke off in flati on.11) To execute full-cost acco un ti ng, compa nies mus a ccount for the true cost of theirproducts.12) Econo mists are not so optimistic becausethere is no sig n that the recessi on hasbottomed out3. Match the terms in column A with the explanations in column B:A B1 ) bon dholder a) A measure of a compa ny's finan cial health,whichequals cash receipts minus cash payme nts overa give n period of time. 62 ) creditor b) A finan cial assetwhose value has falle n sig nifica ntly and which fails gen erate cashflow and isworth much less tha n expected?3 ) dealership c) An en tity (pers on or in stituti on) that exte nds credit bygiving ano ther en tity permissi on to7) turf war8) soft power9) econo mic crunchborrow money if it is paid back at a later date 2d) A unit specially orga ni zed to work on a sin gledefi ned task 10e) A bus in ess compa ny that is owned or con trolled by ano ther larger compa ny 9f) A pers on owning a bond or bonds issued b a gover nment or a public compa ny 1g) Money used for the preservati on of men tal and physical health by preve nti ng or treat ing ill nessthrough services offered by the health professi on4h) Volume of products or services that can be gen erated by a product ion pla nt or en terprise in agive n period by using curre nt resources 5i) A bus in ess established or operated un der an authorizati on to sell or distribute a compa ny goods orservice in a particular are 3j) Products that are extremely populous among consumers and no rmally sell like hot cakes in themarket.8Unit 81. Fill in each blank of the following sentences with one of the phrases in the listgiven below. Make changes when necessary.1) When the starlet was asked abouther new boyfriend, she couldn ' help but gushabout him and their intimate plans for Valentine ' s.Day2) The leaking of as many as 251,000 StateDepartment documents,including secret embassy reportsfrom around the world, is nothing short of a political meltdown for US foreign policy. 3) With very critical views on the government economic policies, she often pals aroundwith those scholars who also take rather radical stanee on economic issues.4) It is high time for every one in the departme nt tokick into full geara nd fulfill our salesquota by the end of the year.5) The mother did whatever possible to prevent her son from hanging out with the guywho she thought was up to no thi ng good.6) Obama svictory in the election was viewed by many as progress in the United States. But I thi nk his eth ni city is beside the point7) The neighbors said what happenedwas totally out of character for the woman theyknew as quiet and frie ndly8) Unfortunately, the firm has not been able to pare ) production cost to the level thatmatches its competitors in the market.9) On the back of strong corporate earnings reports from a number of firms last week,coupled with the improvi ng un employme nt rate, i nv estor sen time nt was bolstered 4) health-care expe nses 5) manu facturi ng capacity 6) net cash flow 7) bad asset 8) hot products 9) subsidiary# 10) task forceon the first trad ing day of the week.10) T he team is expected to take a vote toni ght that coulc feet in motion a new pla n torevitalize the finan cial market.11) It was a long time before our bus in ess part ners could catch on to what we reallyinten ded.12) A s a shrewd man, he successfully pounced at the opport unity last year to becomethe marketi ng man ager.2. Match the terms in column A with the definitions in column B:A B1) market share2) cash drain3) shareholder wealth4) net worth5) man ageme nt team6) brain trust7) bala nee sheet8) capta ins of in dustry9) Ven ture capitalist10) product cycle A) A group of advisors, origi nally to a political can didate,for their expertise in particular fields, but now to anydecision makers, whether or not in politics. 6B) The rate of new product developme nt, whichis getting faster with more severe competitionand faster tech no logical adva nceme nt10C) Perce ntage or proporti on of the totalavailable market or market segment that aproduct or compa ny takes.1D) A group of executives employed to man age aproject, departme nt, or compa ny with theirparticular expertise or skills. 5E) A pers on, project, bus in ess or compa ny thatcon ti nues to con sume large amounts of cashwith no end in sight. 2F) A pers on or firm that inv ests in a bus in ess venture, providi ng capital for start-up orexpa nsion, and expect ing a higher rate of retur n than that for traditional investments.9G) The wealth shareholders get to accrue from theirownership of shares in a firm, which can bein creased by rais ing either share prices or divide nd payme nts.3H) A finan cial stateme nt that summarizes a company's assets, liabilities and shareholders' equity at a specific point in time. 7I) Total assets minus total liabilities, an important determinant of the value of a compa nyprimarily composed of all the money that has bee n inv ested and the retained earnings for the duration of its operation.4L) A bus in ess leader who is especially successful and powerful and whose means of amass ing apers onal fortune con tributes substa ntially to the country in some way 8。

高级商务英语系列教材总主编：叶兴国王光林高级商务英语阅读1主编：谢文怡（习题答案）外语教学与研究出版社Unit 1 Business Start-upsText AComprehensionI. Choose the best answer to each of the following questions with the information you get from the text.1. C2. D3. A4. B5. CII. Discuss with your partners and answer the following questions in your own words.Suggested answers:1.He managed to build his company from its beginnings in a town of 800 and madeit a great success. He had the most important entrepreneurial quality, the determination not to fail and persisted in what he determined to do. From his success, we know that one should have tenacity and make sure that his business is on the right track when starting up.2.When Bradberry advises entrepreneurs to leverage their relationships andresources, he means that they should contact all sorts of qualified people in business that can help them make connections and network and make all sorts of other judicious business moves that will nudge them toward profitability. Pickel is an example of this step. He first chose to get suggestions from his young children and then accepted advice put forward by a professional skeptic who was expert at downing a six-pack.3.(open)4.(open)Usage & TranslationI. Fill in the blanks with words or phrases in the box. Change the form when necessary.1. shot straight2. wear…on her sleeve3. judicious4. crystallize5. nudge6. tip offII. Translate the following sentences into Chinese.1.尽管为一家成功的公司奠定基础意味着要确保该公司拥有一种适合在市场销售并为付费顾客所接受的产品或服务，一些已经取得一定成就的创业者认为，一系列的个人准备工作能帮助创业者挺过创业初期的艰难阶段。

新世纪商务英语第二版阅读教程2：叶兴国unit13答案Unit13Part I Background Information《国富论》总结了近代初期各国资本主义发展的经验，并在批刘吸收了当时有关重要经济理论的基础上，就整个国民经济运动过程作了较系统、较明白的描述。

本书不但对英国资本主义的发展产生了重大的促进作用，且对世界资本主义的发展来说，恐怕也没有任何其他一-部资产阶级的经济学著作曾产生那么广泛的影响。

难怪当时有些资产阶级学者把它奉为至宝。

《国富论》在今日之意义主要表现在以下两点:首先，承认人在经济生活中的利已性是搞市场经济的前视。

其次，亚当，斯密在(国富论)中提出的依革“看不见的手”管理经济尽量减少政府干预的思想对每个国家的经济改革有重要的指导意义。

Part II Notes to the TextsText A of the Natural Progress of Opulence1. The Wealth of Nations:中文译名为《国富论》或《国民财富的性质和原因的研究》，为影响世界历史进程的10部书之-，影响人类文化进程的100部经典之一，对中国近代社会影响最大的经济学译著。

这是一部将经济学、政治理论、哲学、历史和经济实践活动奇妙结合在一起的书，作者亚当.斯密是英国著名古典政治经济学家、哲学家，被誉为现代西方经济学之父。

2. Adam Smith: 亚当.斯密(1723- -1790)，著名经济学家，经济学的主要创立者。

1723年，亚当.斯密出生于苏格兰法夫郡的魁克卡迪，青年时最早就读于格拉斯哥大学，后转人牛津大学。

1750年到1764年亚当.斯密在格拉斯哥大学担任逻辑学和道德学教授,于1759年出版了第一本著作《道德情操论》，并因此确立了他在知识界的地位。

此后，亚当.斯密在1766年开始着手《国民财富的性质和原因的研究》(简称《国富论》)的写作，1773年基本完稿，后又经3年润色，直至1776年3月出版。

新世纪商务英语第二版阅读教程2：叶兴国unit12答案Unit12Part I Background Information美国“安全第一”网络银行成立于195年，是世界上第一-家新型的网络银行。

目前，全球已有超过1000家的银行开展网络银行业务。

网络银行是指依托信息技术的发展而兴起的一种新型银行，是基于互联网或其他电子通信网络而提供金融服务的银行机构，是金融创新与科技创新相结合的产物。

过去，传统银行业的优势在于拥有遍布全球的机构、代表实力的办公大厦、优秀的本土人才，其经营理念以富丽堂皇的高楼大厦作为银行信誉的象征，以铺摊设点、增加银行人员与客户面对面的服务为基础。

与此相反，网络银行这种全新的方式可以使客户不受时空限制，只要能上网，就能够在家里、办公室或旅途中方便快捷地管，理自己的资产，了解各种信息，享受银行的各种服务因此能极大地降低经营成本，创造巨大的利润，并最大限度地扩大业务规模。

据美国权威机构调查，在各类银行服务的平均每项交易成本中，传统银行分支机构最高.其次为电话银行，再次为ATM柜员机,网上银行最低，最高者与最低者相差800%以上。

在信息社会，网络是最便利的沟通、中介渠道，因此以高科技、高安全性高效便捷及低运营成本为特点的网络银行，将对传统银行业产生巨大影响，使整个银行业的竞争更加多元化、复杂化。

Part II Notes to the TextsText A What Is a Bank Really For?1.ATM:automated/automatic teller machine,自动柜员机。

2.immediate ae;附近。

此处immediate解释为“非常接近的,附近的”。

3.You’re banking where it was convenient to walk in sit down,and start an account–even though there’s a good chance that you seldom,if ever,actually walk into your bank to a teller anyone.即使以前去过，你现在也不会再去开户银行与出纳员面对面交读了。