In 1904 A. P. Giannini became a board member of a San Francisco bank. He dis

游客2025-03-19 2

问题 In 1904 A. P. Giannini became a board member of a San Francisco bank. He discovered that most banks cared only for the wealthy, powerful, and well-born. The "little fellows" had to hide their savings under a mattress (床垫) and borrow from loan sharks at high rates.
Yet A. P. knew these people were struggling to make something of their lives. A. P. argued with the bank’s directors to change their policies. They refused. So he stormed out saying, "I’ll start my own bank!" And on October 17, 1904, Bank of Italy later renamed Bank of America opened its doors.
According to Giannini, "There isn’t any good reason why a bank should have the temperature of a fish market. When you walked into some of them you felt as if you’d got into a funeral parlor. I think what I am most proud of is anything I may have done to help with the humaniza-tion of banking. "
At first, bankers looked down their noses at "the baby bank" and its methods. They felt that going out to ask for new business was distasteful especially from immigrants, farmers, and wage-earners. But A. P. and bank employees went door-to-door explaining to people what a bank could do for them and inviting them to become customers. They did. And Bank of Italy grew. Said Giannini, "The old idea of a banker was that he must wear a silk hat and shut himself up in fancy quarters. He thought he couldn’t ask for business. If business is worth having, it’s worth going after. It helps to get up earlier than your competitor, and to keep looking for new ways to do more good business. "
A former bank vice-president remembers that "A. P. was always available. People would often come to his desk, just to say hello. " Recalls another bank employee: "He wanted to make sure the customer was always our boss, that we were working for the customer. " [br] It can be learnt from the passage that most US banks at the beginning of the 20th century______.

选项 A、had quite limited business
B、were open to the rich people only
C、had difficulty attracting customers
D、did not offer savings deposit service

答案 B

解析本题是一道根据细节推断类问题。问我们可以从文章中了解到在20世纪初期美国的大多数银行怎样。根据文章第一段，1904年，吉安尼尼进了旧金山一家银行的董事会。他发现，大多数银行只关注那些有钱有势、出身富有的人，那些平民百姓只好将他们的积蓄藏在床垫下面，借钱时以高利率受放高利贷者盘剥。由此我们可以推断出本题的正确答案应是B“那时大多数银行只向富人开放”。

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