2. 外语
  3. A．Advice concerning credit card use abroad has been formally compiled in a new guide. The guidance includes tips on what fees cr

A．Advice concerning credit card use abroad has been formally compiled in a new guide. The guidance includes tips on what fees cr

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问题     A．Advice concerning credit card use abroad has been formally compiled in a new guide. The guidance includes tips on what fees credit card users may incur if they spend on plastic while on holiday. Furthermore, the information advises holidaymakers to remain vigilant against fraud. As a nation Brits use cards more frequently abroad so it pays to be aware of any extra costs, as well as taking steps to protect them from fraud. In 2007, 50 percent of all spending overseas by Brits was paid for by credit cards, according to Apacs figures.
    B．In the UK, enough savings to survive three months of incapacity, or ￡4, 128, is recommended as a sensible minimum precaution. According to Birmingham Midshires calculations, the average UK adult has ￡7, 548 in the bank, enough to cover 167 days, or five months and 17 days. It is encouraging to see that people are taking heed of this message and are actually saving double this minimum amount. Meanwhile, figures released showed that the average man has twice as much put away as the average woman, or ￡10,912 compared to ￡4, 443 respectively.
    C．Rising interest rates on current account overdrafts are costing people in the UK hundreds of millions of pounds every year, financial analysts have warned. Analysts say that the UK could save itself ￡700 million a year if people found the best current account overdraft rate to suit them, rather than putting up with high charges and rising fees. Three quarters of all current accounts have overdrafts. Millions are paying rates of around 15 percent when rates as low as nine percent are available if customers bother to compare different providers.
    D．Online banking is going to become more common across all age groups as younger generations grow into adulthood, according to HSBC. This will lead to ’smart websites’ that will adapt the content and services they offer to engage on a personal basis with as many of their customers as possible. A recent survey was conducted by UK payments association Apacs. to coincide with the tenth anniversary of internet banking, and it was found that over 18 million people in the UK use internet banking.
    E．A significant number of British adults live in poor areas where there are no cash machines, or the machines that are there require a fee to be paid. However, a nationwide program is underway to install standard cash machines in these areas. More than one million customers will gain access to cash machines that do not charge them for withdrawing money from their current accounts, according to the British Bankers’ Association (BBA). Angela Knight, chief executive of the BBA, said: ’ Banks are determined that customers have access to their cash wherever they live and work’
The banking service concerned in the report has a promising future.
选项
答案D
解析 题干中所指的银行业务正是D篇所提及的online banking，而且根据D篇的第一句话“Online banking is going to become more common across all age groups as younger generations grow into adulthood，according to HSBC ”(汇丰银行认为，随着年青一代逐渐长大成人，各个年龄层的人们都将开始普遍使用网上银行业务。)我们可以推断网上银行有着光明的前景。因此本题选D。
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