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  3. The Internet began in the 1960s as a small network of academic and government computers primarily involved in research for the m

The Internet began in the 1960s as a small network of academic and government computers primarily involved in research for the m

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问题     The Internet began in the 1960s as a small network of academic and government computers primarily involved in research for the military. Originally limited to researchers at a handful of universities and government facilities, the Interact has quickly become a worldwide network providing users with information on a range of subjects and allowing them to purchase goods directly from companies via computer. More and more people are paying bills, shopping, ordering airline tickets, and purchasing stocks via computer over the Internet.
    Internet banking is also becoming increasingly popular. With lower overhead costs in terms of staffing and office space, Internet banks are able to offer higher interest rates on deposits and charge lower rates on loans than traditional banks. “Brick and mortar" banks are increasingly offering online banking services via traditional websites to complement their traditional services. At present, 14 percent of Internet households conduct their banking by means of the Internet, and the figure is expected to double or triple during the next two or three years.
    Increasing commercial use of the Internet has heightened security and privacy concerns. With a credit or debit card, an Internet user can order almost anything online and have it delivered to his home or office. Companies doing business over the Internet need sophisticated security measures to protect credit card, bank account, and social security numbers from unauthorized access as they pass, across the Internet. Any organization that connects its networks to the global Internet must carefully control the access point to ensure that outsiders cannot disturb the organization′s internal networks or gain unauthorized access to the organization′s computer systems and data.
Internet banking________.
选项 A、charges higher loan rates
B、offers higher interest rates
C、will replace the traditional banking
D、maintain its stability in user numbers
答案B
解析 细节题。根据第二段的第二句话“With lower overhead costs in terms of staffing and office space，Internet banks are able to offer higher interest rates on deposits and charge lower rates on loans than traditional banks. ”可知，网络银行可以为人们提供比传统银行高的存款利息和较低的贷款利息，故A项错误，B项正确。C项“网上银行将取代传统银行”，文章没有提及。D项“网上银行的用户数量保持稳定”，而文章第二段最后一句提到用户数量在未来两到三年会翻倍增长。故本题选B。
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