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  3. One of the more discernible trends in the financial-service industry in re cent times has been the adoption of programs designed

One of the more discernible trends in the financial-service industry in re cent times has been the adoption of programs designed

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问题      One of the more discernible trends in the financial-service industry in re cent times has been the adoption of programs designed to encourage more personalized relationships between an institution’s employees and its clients, particularly those clients who are major depositors. The expression most commonly used to describe this 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 service needs; and 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 relatively homogeneous group. A successful relationship banking program is, therefore, dependent in a large part on the development of a series of "financial-serviced packages": each designed to meet the needs of identifiable 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 relation ships are therefore difficult to establish. In a full relationship banking pro gram, 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.
Which of the following can be inferred from the passage about relation ship banking programs?
选项 A、They have recently been discontinued.
B、They are already being used.
C、They will shortly be used.
D、They will be used in the distant future.
答案B
解析 此题为推论题。此题与时间有关，因此要注意时间状语和谓语动词的时态。从第一段中的“...in recent times has been...”和最后一段第二句中的“In most financial institutions today the client is served by...”可推知这些关系银行已经在运作了。
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