The cashless economy无现金经济 (39)
无现金社会的经济挑战
无现金社会的经济挑战在无现金社会的经济挑战下，人们将面临着诸多变革和挑战。
随着科技的不断发展，无现金支付方式已经成为一种趋势，取代了传统的现金支付方式。
然而，这种转变也带来了一系列的经济挑战，需要我们认真思考和解决。
首先，无现金社会将对金融体系和监管机构提出更高的要求。
传统的金融体系主要依赖于现金流通，而无现金支付方式则需要更加完善和安全的电子支付系统。
金融机构需要不断升级技术设备，提高网络安全水平，以应对日益增长的电子支付需求。
监管机构也需要跟进监管政策，确保支付系统的稳定和安全，防范各类金融风险。
其次，无现金社会将对个人隐私和数据安全提出更高要求。
在现金支付时，个人的交易信息相对较少，而在无现金支付时，个人的各种数据将被记录和分析。
因此，保护个人隐私和数据安全将成为一个亟待解决的问题。
政府和企业需要建立更加严格的数据保护法律法规，加强数据安全技术，保障个人信息不被泄露和滥用。
再者，无现金社会将对经济发展模式和消费习惯提出挑战。
现金支付方式相对简单直接，而无现金支付方式则需要依赖于电子设备和网络连接。
这将对一些地区和人群的支付方式造成影响，需要逐步普及和推广无现金支付方式。
同时，消费者的消费习惯也将发生改变，更多的线上支付和电子支付将成为主流，传统零售业态可能面临转型和调整。
最后，无现金社会将对金融包容性和社会公平性提出挑战。
在无现金支付方式普及的过程中，一些弱势群体可能因为缺乏相关技术设备或知识而被边缘化。
因此，需要政府和企业采取措施，促进无现金支付方式的普及和包容，确保所有人都能享受到便捷的支付服务。
同时，也需要关注数据鸿沟和数字鸿沟问题，避免信息不对称和社会不公平现象的出现。
综上所述，无现金社会的经济挑战是一个复杂而严峻的问题，需要政府、企业和个人共同努力，共同应对。
只有通过不断创新和合作，才能实现无现金社会的可持续发展，为经济社会的进步和发展做出贡献。
新高考时文阅读17无现金社会：“数字货币”呼之欲出word版
时文拓展阅读无现金社会：“数字货币”呼之欲出谈到现金，我们自然而然会想到纸币或者硬币。
而当今社会，我们只需刷手机便可完成支付。
随着数字支付的发展，在未来的某一天，纸币和硬币或许都将退出历史舞台。
阅读短文并回答问题For the past 3000 years, when people thought of money, they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved paper or clinking bits of metal. Over the past decade, however, digital payments have taken off —tapping your plastic on a terminal or swiping a smartphone has become normal. Now this revolution is about to turn cash into an endangered species insome rich economies. That will make the economy more efficient, but it also poses new problems that could hold the transition hostage.Countries are eliminating（消除）cash at varying speeds. But the direction of travel is clear, and in some cases the journey is nearly complete. In Sweden the number of retail cash transactions per person has fallen by 80% in the past ten years. Cash accounts for just 6% of purchases by value in Norway. Britain is probably four or six years behind the Nordic countries. America is perhaps a decade behind. Outside the rich world, cash is still king. But even there its dominance is being eroded. In China, digital payments rose from 4% of all payments in 2012 to 34% in 2017.Cash is dying out because of two forces. One is demand —younger consumers want payment systems that plug seamlessly（无缝地）into their digital lives. But equally important, suppliers such as banks and tech firms (in developed markets) and telecoms companies (in emerging ones) are developing fast, easy-to-use payment technologies from which they can pull data and pocket fees.In the main the prospect of a cashless economy is excellent news. Cash is inefficient. In rich countries, minting（铸造）, sorting, storing and distributing it is estimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments disappear, people and shops are less vulnerable to theft. Governments can keep closer tabs on fraud or tax evasion. Digitalization vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.（节选自The Economist）1. What is the purpose of Paragraph 1?A. To show an example of using cash.B. To introduce the main topic of the text.C. To present the development of cash.D. To explain the history of digital payments.2. What can we know from Paragraph 2?A. Sweden has completely eliminated cash.B. Digital payments have replaced cash in rich countries.C. Britain develops faster than China in digital payments.D. Both developed and developing countries are using cash less.3. What is Paragraph 3 mainly about?A. The ways of digital payments.B. The effects of cash dying out.C. The reasons for cash being endangered.D. The importance of digital payments.4. What is the author’s attitude towards cashless economy?A. Supportive.B. Neutral.C. Indifferent.D. Disapproving.1-4 BDCA1. digital payments数字支付，电子支付2. terminal n. 终端3. hostage n. 可能招麻烦的东西4. retail cash transactions零售现金交易5. dominance n. 优势television’s dominance over other media 相对其他媒体而言电视的优势6. erode v. 削弱，损害Repeated exam failure had eroded her confidence. 考试屡屡不及格削弱了她的自信心。
新的经济学名词解释
新的经济学名词解释随着时代的发展和经济形势的变化，新的经济学名词不断涌现。
这些名词不仅仅是术语的积累，更是对经济现象的深刻认识和理论的拓展。
本文将解释一些新的经济学名词，帮助读者更好地理解经济学的发展和变化。
1.分享经济（Sharing Economy）分享经济是指通过在线平台将个人和企业资源进行共享和交流的经济模式。
在传统经济中，资源的使用和所有权是固定的，而在分享经济中，个人和企业可以将自己的闲置资源通过线上平台出租或者共享给其他人使用。
这种模式可以提高资源利用率，降低购买成本，促进环保和社会互动。
2.无现金经济（Cashless Economy）无现金经济是指在经济交易中不再使用实物货币，而是通过电子支付、移动支付等方式进行交易的经济形态。
随着电子支付技术的发展和普及，人们越来越依赖手机、银行卡等电子支付手段进行消费和支付。
无现金经济可以提高交易效率，减少交易成本，同时也增加了支付数据的收集和分析，有助于个人和企业的金融管理和风险控制。
3.区块链技术（Blockchain Technology）区块链技术是一种通过去中心化的方式，以链式记账的形式记录和验证交易的技术。
通过区块链技术，交易数据可以被所有参与者共享和监督，具有去信任化、不可篡改、高安全性等特点。
区块链技术的应用不仅限于加密货币领域，还可以应用于金融、供应链管理、智能合约等领域，改变传统商业模式和运营方式。
4.人工智能（Artificial Intelligence）人工智能是指利用机器和算法来模拟和实现人类智能的一门科学技术。
人工智能可以通过大数据分析、机器学习、深度学习等技术，实现对数据的理解和分析，模拟人类的思维和决策过程。
人工智能的应用广泛，包括自动驾驶、语音识别、图像识别、机器翻译等领域，对经济发展和社会变革有着重要的影响。
5.绿色经济（Green Economy）绿色经济是指在经济发展过程中，重视环境可持续性和资源利用效率的经济模式。
无现金社会的经济挑战
无现金社会的经济挑战在当今社会，随着科技的迅猛发展，电子支付逐渐替代了传统的现金交易。
这一现象，从某种程度上来看，是社会进步的表现，是现代化经济环境下的一种新型商业模式。
然而，无现金社会的全面普及同时也带来了诸多经济挑战，这些挑战不仅影响了消费者的日常生活，也在深远意义上对金融体系、商家经营以及政策制定者提出了新的考验。
本文将深入探讨无现金社会所带来的经济挑战，包括金融稳定性、数据安全、技术鸿沟、消费习惯变化以及政策调适等多个方面。
金融稳定性问题在无现金支付盛行的背景下，传统金融体系面临着前所未有的挑战。
首先，由于现金流失导致银行存款减少，商业银行的融资成本可能会相应提高。
在无现金交易中，资金通常通过电子支付平台转移，这样一来，商业银行受到影响的不仅是存款来源，还有信贷风险的管理。
随着电子支付日益普及，消费者越来越依赖第三方支付平台，这可能使银行用户数下降，进而影响其资金流动性和盈利能力。
其次，无现金社会也使得脆弱群体面临更大的金融风险。
对年长者、低收入者等群体而言，他们可能不熟悉或无法接触到无现金支付工具，继而产生无力参与现代经济活动的问题。
这种数字鸿沟不仅会进一步加大贫富差距，还可能通过降低他们的消费能力而影响整体经济增长。
数据安全隐患在无现金交易中，消费者和商家的每一次交易都会留下数据记录。
这些数据的积累虽然能够帮助商家进行市场分析、优化服务，但是同时也带来了数据安全的问题。
黑客攻击、网络诈骗等行为时有发生，对消费者个人信息和财务安全造成了威胁。
此外，由于许多交易通过第三方支付平台完成，一旦这些平台出现安全漏洞或者数据泄露，将会导致所有依赖该平台进行交易的消费者面临风险。
消费者在享受便利的同时，却往往忽视了数据保护的重要性。
企业在收集用户数据时，必须遵循一定的数据保护法规，以确保消费者能够信任这些企业，从而愿意进行无现金交易。
然而，在实际操作中，不同地区对数据保护的法律法规存在差异，使得跨国企业面临合规挑战，也为信息安全带来了隐患。
无现金社会 cashless society
无现金社会cashless societyChina was the first country in the world to use paper money but centuries later the soaring popularity of mobile payment has some analysts forecasting it could become the first cashless society in the next decade.中国是世界上第一个使用纸币的国家，但到了几个世纪后的现在，随着移动支付的普及程度不断提高，一些分析师预测，中国或在未来十年成为首个无现金社会。
中国正掀起一场无现金革命（cashless revolution）。
上海的一家面馆或深圳的一名街头艺人（busker）在收款时，只需要一个免费的微信账号和一个打印好的二维码（a free WeChat account and a printout of a QR code）。
在中国大部分地区，几乎每台收银机（cash register）旁边都有二维码。
艾瑞咨询称，2016年，中国第三方移动支付成交商品总额（gross merchandise value of third-party mobile payment）较上年同期增长了逾200%，达到38万亿元。
中国市场研究集团估计，中国的移动支付市场（mobile payment market）规模已经是美国的40-50倍。
移动支付的最大吸引力在于方便（a key attraction of mobile payment is convenience），人们可以携带少量或不带现金出行。
然而，移动支付的安全性也越来越引起关注。
联合国的"优于现金联盟（Better Than Cash Alliance）"称，移动支付方仍在努力实现创新与监管之间的平衡（balance between innovation and regulation），且在积极地采取措施来降低财务风险和欺诈（reduce financial risk and fraud）。
2023哈尔滨市萧红中学九学年(下)英语测试卷+答案
英语试卷考试时长：100分钟一、单项选择(本题共20分,每小题1分)选择最佳答案。
()1.Which pair of the words with the underlined letters has the same sounds？A.through thoughB.least healthC.joke both()2.In the following words,which underlined letter has a different sound from the others？A.driverB.pilotC.give()3.Which of the following words doesn't have the same stress as the others？A.Foreign.B.Reply.C.Pianist.()4.---Meimei,I will tell you_____exciting news!You have made_____great progress in the last exam.---Thanks to my friends’help and my parents’encouragement.A.an,aB./,aC./,/()5.People all over the world watched the closing ceremony of Beijing2022Winter Olympic Games_____February20,2022.All the Chinese take pride_____our great country.A.on,inB.in,ofC.on,of()6.The volunteers at Beijing2022Winter Olympic Games are all the students from famous universities,they are really an_____to us middle school students,we should follow theirexamples.A.instructionrmationC.inspiration()7.Yuzuru Hanyu(羽生结弦),the figure skater from Japan has received more than twenty _____letters from Chinese fans,he wins the love and respect through his efforts andkindness.A.thousandsB.thousandC.thousands of()8.---I’d like to_____to spend my summer holiday to relax myself.---Good idea!Would you mind if I join you?A.go to somewhere interestingB.go interesting somewhereC.go somewhere interesting()9.---_____you didn’t come to the party yesterday?---Because I had to look after my grandma,she didn’t feel very well.A.How comeB.WhyC.For what()10.---Next Winter Olympic Games_____in Italy in2026,what do you think of the country?---I know little about the country,but the performance at the closing ceremony shocked me.A.is being heldB.will be heldC.has been held()11.---Have you_____for the coming holiday with your parents?---Yes,we made a decision to try some new ways.A.discussed the planB.discussed about the planC.had a discussion with the plan ()12.---Could you tell me something about the meaning of white lies?A.take upB.make upC.grow up()13.---We know about Jiang Mengnan in the large-scale program Moving China held by CCTV, she lost her ability of hearing when she was only about six months,but she never gave up andsucceeded finally!---_____encouraging her story and spirit are!We should learn from her.A.What anB.HowC.What()14.---Bing Dwen Dwen,the mascot of Beijing2022Winter Olympic Games becomes_____ popular_____everybody wants to own one.---So it is!People from home and abroad all love it.A.so,thatB.such,thatC.too,because()15.—Excuse me,could you tell me_____?—Certainly.Avoid going to the place full of people.A.how can I keep away from illnessB.how I can keep away from illnessC.where I can keep away from illness()16.---Beijing is the only capital city_____as hosted both summer and winter Olympic Games.---That shows the unity of Chinese people and the strength of our country.A.whoseB.whichC.that()17.---I wonder if we_____on a trip next Sunday.I am looking forward to it.---If it_____a fine day next Sunday,we are sure to go.A.are going,will beB.will go,isC.go,is going to be()18.One of the most famous historical places of interest in Beijing is_____.A.the Palace MuseumB.Huangguoshu WaterfallC.the Hollywood Walk of Fame ()19.To fight against the Covid-19,in daily life,we should_____to protect ourselves.①reduce the chances to stay at home②wash hands carefully③turn off the water while brushing teeth④do outdoor sports or go to public places as little as possible⑤air the room often when it’s sunnyA.②④⑤B.①③④C.②③⑤()20.Jim had100yuan and spent three quarters on the following things yesterday.The school things cost him_____yuan.Food for dinner Clothes Pens and pencils Textbooks20%50%20%?A.15B.7.5C.22.5二、完形填空(本题共10分,每小题1分)Some people think only school children do not agree with their parents.21,it is wrong. 22is a problem for parents and children of all ages.If it’s hard for you to communicate with your parents,don’t worry about it.Here is some advice for you to bridge the generation gap.(代沟)probably won’t23your ideas if you are shouting at them.Go somewhere to make24cool off. Make sure you understand why you are unhappy.Then think about25you want to say to your parents.If you don’t think you can speak to them at the moment,26writing a letter.Show love and respect for them.Certainly,your parents27refuse to accept your ideas.In these situations,28respect will keep your relationship strong.Talk about your values(价值观). The values of your parents are probably different from yours.Tell your parents what you29and why.Understanding your values can help them see your purposes(意图)in life.A good relationship with your parents can make you a30and happier person.Let’s try our best to gain it.根据短文内容，选择最佳答案。
2023年上海市金山区中考一模英语试题(解析版)
2022学年第一学期期末学情诊断初三英语试卷（考试时间90分钟，满分140分）考生注意：本卷有7大题，共84小题。
全部试题均采用连续编号。
请将所有答案做在答题纸的指定位置上，做在试卷上一律不给分。
Part 1Listening （第一部分听力）I.Listening comprehension （听力理解）（25分）A.Listen and choose the right picture （根据你听到的句子，选出相应的图片）（5分）A. B. C. D. E. F.B.Listen to the dialogue and choose the best answer to the question you hear （根据你听到的对话和问句，选出最恰当的答案）（5分）st spring.st summer.st autumn.st winter.7.A.The black one.B.The grey one.C.The brown one.D.The red one.8.A.It’s cheaper.B.It’s easier.C.It’s greener.D.It’s faster.9.A.Teacher and student. B.Manager and staff.C.Shop assistant and customer.D.Doctor and patient.10.A.The girl will play volleyball this Saturday.B.The girl will stay at home this Saturday.C.The girl will go out to exercise this Saturday.D.The girl will play basketball this Saturday.C.Listen to the passage and tell whether the following statements are true or false （判断下列句子是否符合你所听到的短文内容，符合的用“T”表示,不符合的用“F”表示）（5分）11.Lei Haiwei is a food delivery driver and he won the first prize in the TV contest’s finals.12.Over20years ago,he bought and read many books to learn poems.13.He lives in a flat with several other delivery drivers.14.He is hardworking and he has to deliver over15meals a day.15.When he is delivering food to others,he’s often hungry himself.D.Listen to the passage and complete the following sentences（听短文，用听到的单词完成下列内容，每空格限填一词）（10分）16.Today,I’d like to________________some facts on rainwater.17.There may be________________to people in the rainwater.18.Also,don’t collect rainwater from________________.19.________________,rainwater is the water supply for much of the world’s population.20.Rainwater________________some bacteria(细菌),so you may need to clean it before having it.Part2Vocabulary and Grammar(第二部分词汇和语法)II.Choose the best answer（选择最恰当的答案）（15分）1.Don’t worry.I’ll give you________helping hand when you are in trouble.A.aB.anC.theD./【答案】A【解析】【详解】句意：别担心。
无现金社会的经济挑战
无现金社会的经济挑战在当今数字化和智能化的时代，无现金支付正逐渐成为一种趋势。
随着移动支付、电子钱包和虚拟货币等新型支付方式的快速发展，越来越多的人开始选择放弃传统的现金支付方式。
然而，随之而来的是一系列经济挑战，无现金社会给经济带来了哪些影响和挑战呢？数字鸿沟问题无现金社会虽然便利快捷，但也暴露出数字鸿沟问题。
在一些欠发达地区和人口较为贫困的群体中，缺乏数字化设备和相关知识，无法适应无现金支付。
这导致了一部分人被边缘化，无法享受到现代化的便利服务，也增加了贫富差距。
解决数字鸿沟问题是推动无现金社会发展的重要课题。
隐私与安全风险在无现金社会中，个人信息和交易数据被大量产生和使用，隐私和安全问题备受关注。
数据泄露、信息监控、网络攻击等风险随之而来，一旦发生安全漏洞可能导致严重后果。
如何在提升支付便利性的同时保障用户隐私和数据安全，是无现金社会亟需解决的经济挑战。
费用与效率问题传统现金支付虽然存在成本较高、流通不便等问题，但在某些情况下仍能体现出其独特优势。
无现金支付涉及到手续费、技术投入、跨境清算等方面的费用问题，一些交易可能因手续费过高而抑制消费意愿。
如何平衡支付效率、安全性和成本之间的关系，提升无现金支付系统的整体效益，是需要不断优化的经济挑战。
金融监管与法律规范无现金社会对于金融监管和法律规范提出了更高要求。
跨境支付、虚拟货币等新兴领域的监管亟需完善，防范洗钱、恐怖融资等风险挑战。
同时，商业模式创新与监管法规之间的平衡也需要得到更好的协调。
如何建立完善的监管机制和法律框架，推动无现金社会经济健康发展，是摆在各国面前亟待解决的挑战。
社会公平与包容性在推进无现金社会建设的过程中，需要考虑到社会公平与包容性问题。
一些弱势群体、老年人、残障人士可能存在无法适应数字支付方式或信息鸿沟问题。
如何确保在推进无现金社会进程中照顾到各类人群需求、促进社会公平与包容性，是一个必须重视并不断优化的挑战。
总而言之，在迈向无现金社会的道路上，并非一帆风顺，挑战重重。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
The cashless economy无现金经济文章选自《经济学人》一：高级实词荟萃fashionable ____________ purchase ____________conduct____________ individual____________effect____________ ` widespread____________accelerate____________ enable____________transfer____________ account.____________residents____________ indicate____________historically____________ invest____________stubbornly____________ estimate____________digital____________ burden____________technophobia____________ Cashless ____________queue ____________ hefty ____________transaction ____________ Share ____________chair ____________ install ____________infrastructure____________ consultancy ____________low-cost____________ banknote ____________on-board ____________ snub ____________monopoly ____________ discourage ____________二：高级词汇拓展fashionable n时尚____________ individual个人地____________widespread 普遍地____________ accelerate加快n ____________indicate暗示n ____________ historically 历史上的____________ invest投资n ____________ stubbornly固执的adj ____________ estimate估计n ____________ Cashless 现金n ____________install 安装n ____________ discourage n 勇气____________三：高级短语荟萃1. a cashless pay system无现金支付系统2.street-food market 小吃集市3.stand idle：系动词，表示“处于某种状况/情形”,4.stand empty / idle 空着/闲置着5. a mobile-payment service移动支付服务6.financial inclusion /ɪnˈkluːʒn/金融包容rmal economies非正规经济8.beyond this broad pattern超越了这个大格局9.make a difference与众不同10.ban on-board cash payments禁止船上现金支付fortable using new technology舒适使用新技术12.in contrast相反13.sleepy credit-card monopoly沉睡的信用卡垄断14.stamp out completely完全消灭15.overall cost总成本16.queue for quite a while.排一会儿队17. a long queue of angry motorists.愤怒的司机排成了长龙。
18.queue up to do sth/for sth 竞相，抢着〔做某事〕19. a hefty fine巨额罚款20.charge a fixed rate for each transaction收取统一费用21.market share 市场份额，市场占有率”22. a fall in share prices股票价格的跌落23.emerging market 新兴市场24.lead the trend 引领趋势，引领潮流25.chair the meeting主持这次会议26.install the new computer network安装了新计算机网络ck a suitable economic infrastructure.家缺乏适当的经济基础设施28.bear fruit 取得成果：29. a management consultancy管理咨询公司30.low-cost便宜的; 成本低的31.on-board cash payments在公共汽车上使用现金支付。
32.discourage me from entering the field劝我别干这一行英文报刊阅读思维力提升训练①ON JUL Y 27TH, outside Brooklyn’s fashionable Smorgasburg street-food market, a dozen hungry visitors stand in the middle of the barbecue fumes. Rather than queuing for food, they are waiting at a cash machine. Yet inside the market, dealers are trying to persuade their customers not to use cash. Customers who use Apple Pay, a mobile-payment service, receive discounts on their purchases. “Apple pays us the difference,” one trader explains.②Most transactions around the world are still conducted in cash. However, its share is falling rapidly, from 89% in 2013 to 77% today. Despite the attention paid to mobile banking in emerging markets, it is rich countries, with high financial inclusion (惠普金融)and small informal economies that have led the trend. Within the rich world, more-digitized societies tend to make fewer cash payments.③Beyond this broad pattern, decisions by both individual firms and governments have large effects. At the company level, installing infrastructure for contactless payments bears fast fruit. AT Kearney, a consultancy, finds that in rich countries the number of transactions per card has risen by 20-30% within three years of contactless technology becoming widespread. Banks can accelerate the process by building fast, low-cost systems that enable direct transfers between accounts.④Public policy also makes a difference. Some cities, such as London and Amsterdam, have banned on-board cash payments on public buses. Estonia—the birthplace of Skype, has been a leader in digitizing public services. Its residents are comfortable using new technology and sharing data, and often snub cash. Japan, in contrast, uses more cash than its internet usage would indicate. Historically, it had a sleepy credit-card monopoly（垄断）, which discouraged foreign firms from investing.1.Why are dealers trying to persuade their customers not to use cash?2.Who led the trend of mobile banking?3.Which societies tend to make fewer cash payments?4.Why does Japan use more cash than its internet usage would indicate?5.What are the factors that help promote the cashless economy?复杂句式品鉴Despite the attention paid to mobile banking in emerging markets, it is rich countries, with high financial inclusion and small informal economies that have led the trend.翻译：解析：本句主干为：It is rich countries that have led the trend. 富有国家引领这股潮流。