2023届高考英语三轮复习·冲刺押题·外刊阅读理解训练 (62)（含答案）.doc

2023届高考英语三轮复习·冲刺押题 外刊阅读理解训练62 ——改编自The cashless economy 【文章】 A recent development in the world of mobile payments shows that even street-food markets are now embracing digital payment options. According to a report, customers who pay with Apple Pay at one market can receive discounts on their purchases as Apple pays for the transaction fee charged by traders. This indicates a shift towards mobile payments from cash transactions, which still make up 77% of all transactions worldwide and was at 89% in 2013. The trend is led mainly by rich countries with high financial inclusion and small informal economies. Moreover, more-digitized societies tend to lean towards fewer cash transactions. Encouraging the use of contactless payments by installing infrastructure bears fast fruit for merchants and banks. In rich countries, once contactless technology becomes widespread, the number of transactions per card increases by 20-30% within three years. Banks can also accelerate this process by building fast, low-cost systems that enable direct transfers between accounts. Public policies can likewise influence payment habits significantly. For instance, some cities like London and Amsterdam have banned on-board cash payments on public buses. Estonia is a pioneer in digitizing public services. Its residents are comfortable using new technology and sharing data, leading them to favor digital payments over cash. Japan, on the other hand, uses more cash than expected compared to its internet usage due to its credit-card monopoly which discouraged foreign investment in the past. Although many countries have made advances in digital payments, cash is still proving difficult to eradicate entirely. Even in Sweden, where digital payments lead, cash transactions still make up 25%. However, handling cash is expensive, with studies estimating its cost to society at 0.5% of GDP. As more payments become digital, this burden will fall increasingly on fewer stores, shoppers, and banks. If cash-withdrawal fees rise to $10, even those who are technophobic or older shoppers may start using their phones to buy goods instead of cash. 【重点词汇&词组】 1. development (n.) - 发展、发展进程 2. mobile payments (n.) - 移动支付 3. street-food markets (n.) - 街头食品市场 4. digital payment options (n.) - 数字支付选项 5. report (n.) - 报告 6. discounts (n.) - 折扣、优惠 7. transactions (n.) - 交易、业务 8. traders (n.) - 商人、交易商 9. shift (n.) - 转变、变革 10. cash transactions (n.) - 现金交易 11. financial inclusion (n.) - 金融包容性 12. informal economies (n.) - 非正规经济 13. digitized societies (n.) - 数字化社会 14. contactless payments (n.) - 无接触支付 15. infrastructure (n.) - 基础设施 16. merchants (n.) - 商人 17. public policies (n.) - 公共政策 18. banned (v.) - 禁止、取缔 19. pioneer (n.) - 先锋、开拓者 20. digitizing (v.) - 数字化 21. residents (n.) - 居民、住户 22. sharing data (n.) - 共享数据 23. credit-card monopoly (n.) - 信用卡垄断 24. foreign investment (n.) - 外国投资 25. advances (n.) - 进步、发展 26. eradicate (v.) - 根除、消除 27. handling cash (n.) - 现金处理 28. expensive (adj.) - 昂贵的、费用高的 29. estimating (v.) - 估计、预计 30. GDP (abbr.) - Gross Domestic Product，国内生产总值 31. burden (n.) - 负担、重担 32. cash-withdrawal (n.) - 取现金 33. technophobic (adj.) - 恐惧新技术的 34. older shoppers (n.) - 年长购物者 35. cost (n.) - 成本、费用 36. society (n.) - 社会 37. digital (adj.) - 数字的、电子化的 38. increasingly (adv.) - 越来越多地、不断增加地 39. stores (n.) - 商店 40. shoppers (n.) - 购物者、买家 41. rise (v.) - 上升、增长 42. technophobic (adj.) - 对科技恐惧的 43. goods (n.) - 物品、商品 44. financial (adj.) - 金融的、财政上的 45. inclusion (n.) - 包容、包容性 46. monopoly (n.) - 垄断、专卖 47. public (adj.) - 公共的、公开的 48. cost-effective (adj.) - 成本效益好的 49. contactless (adj.) - 无接触的、非接触式的 50. society (n.) - 社会 【阅读理解习题】 1. What is the recent development in mobile payments mentioned in the article? A. Street-food markets accepting credit cards. B. Apple Pay offering discounts to customers who pay at markets. C. The majority of all transactions worldwide now being made with mobile payments. D. Banks building fast, low-cost systems for digital transfers. Answer: B 中文解析：文章提到，现在连街头小贩市场都开始接受数字支付选项。有报道称，在一个市场上使用 Apple Pay 支付的客户可以获得折扣，因为苹果公司支付了交易费用。这表明了移动支付正逐渐代替现金交易。 2. What percentage of all transactions worldwide were cash transactions as of the time of the report? A. 77% B. 89% C. Less than 50% D. It is not specified. Answer: A 中文解析：报道中提到，现在仍有77%的全球交易是以现金的方式进行的，而在2013年这一数字还达到了89%。 3. Which countries are leading the shift towards mobile payments? A. Countries with large informal economies. B. Countries with low financial inclusion. C. Rich countries with high financial inclusion and small informal economies. D. Poor countries with limited access to technology. Answer: C 中文解析：富裕国家通常都会采取更多数码支付，因为这些国家金融普及率高，经济组织相对严谨。 4. How can contactless payments benefit merchants and banks? A. By reducing the number of transactions per card. B. By increasing the number of cash transactions. C. By helping to digitize public services. D. By encouraging customers to make more purchases. Answer: D 中文解析：发展无接触式支付对商家和银行来说都有好处，因为这可以鼓励顾客进行更多的购买。 5. What benefit do banks have in building fast, low-cost systems for digital transfers? A. It can prevent foreign investment in their country. B. It can encourage the shift towards fewer cash transactions. C. It can increase the cost of cash handling. D. It can reduce the use of credit cards. Answer: B 中文解析：使用高速且成本较低的系统建立直接帐户转移，可以推动更少现金交易的改变。 6. What has Estonia done in terms of digital payments? A. Banned cash payments on public buses. B. Made it illegal to handle cash. C. Pioneered the digitization of public services. D. Introduced a credit-card monopoly. Answer: C 中文解析：爱沙尼亚在数字支付方面是开创性的。该国居民使用新技术并分享数据，所以选择数字支付而非现金支付。 7. What is the estimated cost of cash handling to society according to studies? A. 1% of GDP B. 0.5% of GDP C. 10% of GDP D. It is not specified. Answer: B 中文解析：根据研究，现金处理的成本是社会总产值（GDP）的0.5％。 8. What may encourage even technophobic or older shoppers to use their phones for buying goods? A. The banning of cash payments on