PartIIReadingComprehension(35 minutes)

Directions: Thereare4 passagesinthispart. Eachpassageisfollowedbysomequestionsorunfinishedstatements. ForeachofthemtherearefourchoicesmarkedA)，B)，C), andD). YoushoulddecideonthebestchoiceandmarkthecorrespondingletterontheAnswerSheetwithasinglelinethroughthecentre.

PassageOne
Questions21 to25 arebasedonthefollowingpassage.

Timewas—andnotsomanyyearsago, either—whentheaveragecitizentookaprettydimviewofbanksandBanking. Thatthiswasso, itshouldbesaid, wastonosmallextentthefaultofbanksandbankersthemselves. Banksusedtobe—andafewstillare—forbiddingstructures. Behindthelittlebarredwindowswere, moreoftenthannot, elderlygentlemenwhoseexpressionoffriendlinessreflectedthesizeofthecustomer’saccount, andnothinglessthanafewhundredthousandinthebankcouldhaveinspiredthesuggestionofasmile.

Andyettheaveragebankformanyyearwas, totheaveragecitizen, afearful, ifnecessary, instrumentfordealingwithbusiness—usuallybigbusiness. Butsomewhereinthepastquartercentury, banksBegantogrowhuman, evenpleasant, andstartedtoattractthelittleman. Itispossiblethatthismovementbeganinmedium-sizedtowns, orinsmalltownswherepeopleknoweachotherbytheirfirstnames, andspreadtobigtowns. Atanyrate, theresultshavebeenremarkable.

Themovementto“humanize” hanks, ofcourse, receivedabigpushduringthewar, whenmoreandmorewomenwereemployedtodoworkpreviouslyperformedbymen. Alsomoreandmore“little” peoplefoundthemselvesinneedofpersonalloans, astaxesbecameheavierandasthepracticeofinstallment(分期付款) buyingbrokedownthepreviouslylong—heldconceptthattherewassomethingalmostmorallywrongaboutbeingindebt. Allsortsofpeoplebegantodiscoverthattheintelligentuseofcredit(信贷) couldbeextremelyhelpful.

21. Theauthorbelievesthattheunfriendlyatmosphereinbanksmanyyearsagowaschieflydueto________.
A) theouterappearanceofbankbuildings
B) unfriendlinessofcustomerstowardbanks
C) economicpressureofthetime
D) theattitudeofhankers（D）

22. Thebanksofmanyyearsagoshowedinterestonlyin________.
A) regularvisitors
B) richcustomers
C) friendlybusinessmen
D) elderlygentlemen（B）

23. Whendidbanksbegintogrowhuman?
A) Sometimebeforethewar.
B) Afewyearsago.
C) Duringthewar.
D) Inthelastcentury.（A）

24. Whathelpedtopushthe“humanization” ofbanks?
A) Moreandmore“little” peoplebecamecustomersofbanks.
B) Theelderlygentlemeninbankswerereplacedbywomen.
C) Morebanksweresetupinsmallandmedium-sizedtowns.
D) Thesizeofthecustomer’saccountwasgreatlyincreased.（B）

25. AveragePeopleseldomborrowedmoneyfrombankinthebankbecause________.
A) thebankbuildingslookedforbidding
B) theywerecomparativelyrichbeforethewar
C) theythoughtitwasnotpropertobeindebt
D) theyrarelyspentmorethantheycouldearn（C）