问题 单项选择题

根据市场选择的标准,下列细分市场银行应选择的是( )。

A.具有较大吸引力,但有可能分散银行精力的M市场
B.银行无条件进入,但能充分发挥其资源优势的N市场
C.市场规模正处于萎缩状态的K市场
D.行业较垄断、替代产品只有一种的J市场

答案

参考答案:D

解析: 银行选择目标市场时应考虑以下因素:①符合银行的目标和能力。某些细分市场虽有较大吸引力,但不能推动银行实现发展目标,甚至分散银行精力,使之无法完成其主要目标,这样的市场应考虑放弃;此外,还应考虑银行的资源条件是否适合在某一细分市场经营,只有选择那些银行有条件进入且能充分发挥其资源优势的市场作为目标市场,银行才会立于不败之地。②有一定的规模和发展潜力。如果市场规模狭小或趋于萎缩状态,银行进入后难以获得发展,不宜轻易进入。③细分市场结构的吸引力。银行应根据同行业竞争者、潜在新竞争者、替代产品、客户选择能力和中央银行政策五种力量选择细分市场。

单项选择题 A1型题
阅读理解

阅读理解。

    Trees are useful to man in three important ways: they give him wood and other useful things, they give him

cool places, and they help to stop drought and flood.

    Unluckily, in many parts of the world, man has not found that the third of these points is the most important.

Man wants to make money from trees,so he has cut them down in large numbers, only to find that without

them he has lost the best friends he had. And also, he is usually too careless to plant and look after new trees.

So the forests slowly disappear.

    This does not only mean that man will have fewer trees. The results are even worse: for where there are

trees, their roots break up soil-make the rain in-and also bind the soil, thus stopping it from being washed away

easily; but where there are no trees, the rain falls on hard ground and flows away, causing floods and carrying

away the rich top-soil. When all the top-soil is gone, nothing is left but useless desert.

1. The most important points of trees to man is _____. [ ]

A. they help him to make money

B. they give him cool

C. they give him wood and other things

D. they help him to stop drought and floods

2. In many places forests slowly disappear because _____. [ ]

A. many trees have been cut down by man

B. new trees are not well looked after

C. man has not paid enough attention to planting trees

D. all the above

3. Land becomes desert after all trees are cut down because _____. [ ]

A. roots of trees break up the soil

B. there are too many rainfalls

C. strong winds bring a lot of sand

D. there are no longer trees to keep the rain and protect the top-soil.

4. Which title best fits the passage? [ ]

A. Trees and Man B.The Function of Tree Wood

C. How do People deal with Trees?

D. The Usage of Tree Roots