Passage 1A CHALLENGE TO TRADITIONAL BANKING
　　Traditional methods of banking are under (0)______from a new type of account which is actually meant to be almost perpetually in debit. This account, to be(21)______ in a few months’ time, is intended to (22)______ a range of personal banking services, such as current accounts, mortgages, personal loans and credit cards. Customers, who must (23)______ that they are at least five years from retirement, will be required to (24)______ a mortgage of at least ￡50000 on their homes and have their salaries paid directly into the account. They will then have all agreed credit (25)______ of up to three times their annual salary to use as they wish—as well as the usual (26)______ such as debit, credit and cash cards and a cheque book. Accounts in debit will be charged interest at a rate of 8.2 per cent. This (27)______ favourably with standard mortgage rate of 8.45 per cent, personal loan rates of around l3 per cent and credit card (28)______ of about 22 per cent. When the debt is cleared—as it must be by the time the customer retires—and the account goes into credit, it will attract interest at about 5 per cent. Some experts say that it will revolutionise personal banking in the UK. But the (29)______ has been dismissed as a gimmick by rival banks and criticized by consumer groups, which are voicing fears that many customers on average incomes could be (30)______into serious debt.
　　Example:
　　0. A threat　　　　　B. danger　　　　　C. opposition　　　D. competition
　　21. A. embarked　　　B. launched　　　　C. released　　　　D. issued
　　22. A. enclose　　　 B. associate　　　 C. combine　　　　 D. mix
　　23. A. witness　　　 B. prove　　　　 　C. persuade　　　　D. convince
　　24. A. take off　　　B. take to　　　　 C. take out　　　　D. take in
　　25. A. limit　　　　 B. extent　　　　　C. control　　　　 D. barrier
　　26. A. facilities　　B. amenities　　　 C. means　　　　　 D. opportunities
　　27. A. connects　　　B. compares　　　　C. differs　　　　 D. relates
　　28. A. expenses　　　B. bills　　　　　 C. receipts　　　　D. charges
　　29. A. design　　　　B. scheme　　　　　C. device　　　　　D. programme
　　30. A. placed　　　　B. fallen　　　　　C. descended　　　 D. plunged

发布日期：2021-08-13

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