1 . 阅读下面短文，在空白处填入 1个适当的单词或括号内单词的正确形式。

A cashless society is defined as one that doesn’t use cash in monetary transactions (交易). These societies favor alternative means of payment, such     1     credit cards, or contactless payment.

Of all the companies     2     (move) closer to becoming cashless, most people agree that Sweden is the closest. 85% of the country has access to online banking and only 2% of the country’s transactions consist of cash.

There     3     (be) a number of reasons for this cashless trend. Sweden has access to a popular payment app     4     (call) Swish, which more than 50% of the country uses. But the     5     (big ) catalyst (引发变化的因素) so far is that most Swedish merchants don’t access cash payment.

China also has a vast cashless market,    6     is mostly dominated by Tencent’s WeChat Pay or Alipay, which is owned by Alibaba. But unlike many other countries, China hasn’t embraced (欣然接受) credit card payment. Instead, most Chinese consumers make payment by scanning QR codes (二维码) on     7     (they) phones.

Most merchants request payment via QR codes and it’s not uncommon     8     (see) QR codes located all throughout China. And this trend is starting to spread to other countries that have a lot of Chinese     9     (travel).

The growing cashless trend has led many people to wonder     10     the U.S. will eventually go cashless. It is possible since U.S. consumers are increasingly moving away from cash and embracing other forms of payment.

2 . 假定你是李华，你的美国朋友Jane要来中国学习，来信向你咨询在生活中如何使用手机进行移动支付。请你给她写一封电子邮件，内容要点：
1. 搜索并安装微信app;
2. 输入电话号码，注册微信，登陆微信;
3. 添加并绑定银行卡;
4. “扫一扫”完成支付。
注意：1.词数100左右;
2.可以适当增加细节，以使行文连贯;
3.开头和结尾已经给出，不计入总次数。
参考词汇：二维码QR code;索引index
Dear Jane,

How are things going these days?

___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Hoping to receive your reply soon.

Yours,

Li Hua

3 . Three months ago, I landed in Beijing International Airport after a very long flight from Vancouver, Canada. I thought that it would just be a normal summer, but little did I know that my understanding of how to pay for things was about to be completely changed. 

As an international student who had not been back to China for three years, I knew that it would take me some time to readjust to the life in China. However, I did not expect that I wouldn’t even be able to do things as simple as taking the subway. 

I still remember asking my cousin if I could borrow his metro card. He looked at me with such astonishment and then started laughing: “No one uses a metro card now. You have your phone!” He then explained to me which application I needed to download and how to connect it with WeChat pay. 

I was so dumbfounded by how convenient payment had become in China. When I had just come back, I still had the habit of carrying some cash with me when I went out. But soon, I realized that there was no place for me to use it. Even the smallest convenience stores support Alipay or WeChat pay. Online transactions (交易) and mobile payments have become the new norm.

Mobile payment is so common for people in China that they are used to it by now. But for me, it has been new and exciting. 

Back in Vancouver, there was no way of going to the mall or supermarket without carrying cash, a debit card (借记卡) or a credit card. Mobile payment in Canada is not as prevalent (流行的) as it is in China. Personally, I have never paid using my phone during my stay in Canada. I had to carry cash around everywhere. Contrary to that, I have not used cash to pay at all since I arrived back in China. 

Now I am getting used to the concept of mobile payment. Gradually, I stopped asking the vendors (小贩) if I could use WeChat pay and just showed them my payment code. Thinking back on my experience with this “new” method of paying over the past few months, I have to admit that our lives have indeed become much more convenient with the presence of mobile payment.

1. Why did the author mention her experience of taking the subway in China?

A．To compare the subways in China and Canada.

B．To explain how to use WeChat pay to take the subway.

C．To show she was unprepared for the change in lifestyle.

D．To describe how her cousin helped her when she returned.

2. What does the underlined word “dumbfounded” in paragraph 4 probably mean?

A．Confused.

B．Astonished.

C．Excited.

D．Bothered.

3. What is paragraph 6 mainly about?

A．The benefits of mobile payment.

B．The concept of mobile payment.

C．Why the author preferred to pay by cash in Vancouver.

D．How people pay differently in Vancouver and China.

4. What is the author’s attitude toward mobile payment in China now?

A．Supportive.

B．Doubtful.

C．Unconcerned.

D．Annoyed.

4 . 随着科技的发展，移动支付成为湖流。有人认为移动支付方便快捷，有人认为它存在不足，比如手机没电等问题。请说说你的观点，并举例说明。
注意：1. 词数80-100左右；
2. 可以适当增加细节，以使行文连贯；
3. 文章开头己给出，不计入总词数。
参考词汇：二维码QR code       移动支付mobile payment
___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

5 . Generally speaking, convenience and safety affect how we choose to pay for things. Environmental concerns do, too.

Each time you pull out a credit, use a phone’s wallet app or hand over cash, you take part in a system. Some parts of that system make things, like coins, bills or cards. Other parts move money between buyers, sellers, banks and others. Used cash, cards and equipment will be eventually disposed of (处理), as well. Each part of this system uses materials and energy. And all parts produce waste.

Now researchers are looking more closely at how “green” these payment systems are. They’re finding buyers can help cut some of the environmental costs, no matter how they pay.

To understand the full “cost” to society of money or any other system, researchers can perform what’s called a life-cycle assessment. It looks at all the environmental impacts of a product or process. It starts with mining, growing or making the raw materials. It includes what happens while something is in use. And it considers the final disposal or reuse of things.

Even though raw materials are the first step, in fact there are raw materials added in at every single step along the journey. For money, raw materials go into each step of something that is “made”. Fuels are the raw materials for energy to make products and transport them. More energy goes into using products. Recycling or disposal also requires energy, plus water, soil or other materials.

People don’t realize most of those steps, so they can’t judge if one form of payment is dirtier or more costly. And that’s a problem, researchers say. It’s also what has got some of them to show more about the costs of how we pay for our lifestyles.

A life-cycle assessment doesn’t tell you what to do. However, it gives you an informed basis for making a decision.

1. What is Paragraph 2 mainly about?

A．The ways of paying.	B．The process of payment.
C．The waste produced by payment.	D．The introduction of payment systems.

2. What does the life-cycle assessment of payment systems focus on?

A．The real value of money.	B．The history of the currency.
C．The effect on the environment.	D．The importance of raw material.

3. What does the underlined word “them” in Paragraph 5 refer to?

A．Steps.

B．Products.

C．Materials.

D．Fuels.

4. What can be the best title for the text?

A．The Payment Patterns are Changing	B．How We Choose to Pay Affects the Environment
C．New Payment Patterns Have Come into Being	D．How We Make Payment Systems “Green”

6 . 假设你叫李津，你校曾经的来自加拿大的交换生Jason给你写信，询问你关于非现金支付在中国的情况。现在你给他回信，信的主要内容包括：
1. 问候他的近况
2. 介绍中国人的支付方式（手机，信用卡，现金）
3. 你对非现金支付的看法（包括这种方式的优点和不足）
参考词汇：非现金支付Non—cash payments
注意：
1. 词数不少于100词。
2. 文章的开头和结尾已经给出，不计入总词数。
Dear Jason,
________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Yours

Li Jin

7 . A:What can I do for you, sir?
B:     1    
A:Oh, we have dark chocolate, milk chocolate and fruit chocolate. Which kind would you like?
B:     2    So give me a box of fruit chocolate, please.
A:All right. Anything else?
B:Yeah.    3    
A:Yes. We've just got some fresh strawberries. You can try one.
B:Let me see. Well, it does taste sweet.    4    
A:OK. Here you are.
B:Thank you.    5    
A:Sure. Just put your phone above this scanner(扫描装置).
A.I'll take two kilos.
B.I like fruit chocolate best.
C.May I pay through WeChat?
D.I want to buy some chocolate.
E.Do you have any strawberries?

8 . When diners ask for the bill in an urban Chinese restaurant, they are more likely to reach for their mobile phones than their wallets. This reflects the rapid spread of mobile payment platforms,which are pushing urban China towards becoming a cashless society.

In a survey of 1,000 urban consumers conducted by the Financial Times, 98% of respondents (受访者) said they had used mobile payment platforms over the past three months. For example, Alibaba’s Alipay was the most frequently used payment platform preferred by 79% of respondents. That is a far greater proportion than those who said they used credit cards (45%) or cash (65%).

These respondents said they most often used them for payments in supermarkets and shopping malls, but they are also popular for ordering food, buying travel tickets or eating out.

Unsurprisingly, the younger the respondents, the more likely they were to have adopted this relatively young technology. While only 56% of respondents aged 35 or older said they preferred making mobile payments to paying via PC, even though almost all owned smart phones, 88% of 18 to 24-year-olds preferred paying via their mobile device.

Mobile platforms are now taking advantage of the big data resources of their parent companies to expand business,and to challenge the traditional banks. It is not surprising that China’s big banks are refusing to co-operate with the upstarts, limiting the range of services they are able to offer. On the other hand, China’s banks, especially the big four state lenders, are known to fiercely guard their turf (领域). Both regulators and China’s well-entrenched (根基深厚) banks will need to adapt if these online lenders are to succeed.

1. How does the author introduce his topic about mobile payment platforms?

A．By raising a question.	B．By giving an example.
C．By making a comparison.	D．By listing the details of a survey.

2. What does the underlined word “them”in Paragraph 3 refer to?

A．Cash.	B．Credit cards.
C．Alibaba’s Alipay.	D．Mobile payment platforms.

3. What does the data in Paragraph 4 show us?

A．People chose to pay via PC because of lack of smart phones.

B．The younger the respondents, the more smart phones they owned.

C．The younger the respondents, the greater chance that they paid by smart phones

D．Paying by smart phones was not popular at all among the people aged 35 or older.

4. Why do traditional banks limit the range of services of payment platforms?

A．They feel the threat from mobile payment.

B．They can’t share their big data resources.

C．They are determined to ensure financial safety.

D．They are refused to cooperate with the platforms.

9 . 根据课文原文填空，每空一词。

We no longer have to wait in line or carry    1     around when we go shopping. We can get the most     2     information from large    3    .

10 . Imagine stepping into your local supermarket, choosing your necessary things into a basket, heading to the bagging area and walking out with your weekly shopping. There is no need to make a payment, no counting coins, and no placement of a credit card in a terminal. In fact, there is no cashier at all. This is not a theft but a realistic picture of the future way to pay — when technology recognizes your presence, scans your shopping, and invisibly takes payment from your account.

Amer Sajed, the chief executive of Barclaycard, says it will result in the steady dying of the physical plastic credit card, which his company introduced to the UK over 55 years ago. Credit cards have evolved ever since 1966, but the basic procedure of payment has remained the same. A card is either handed over, or the number on it is read out or entered into a machine.

All that requires the existence of a plastic card, but Mr Sajed says this will be replaced by wearable items. At a display for Barclaycard staff, he shows off a plastic ring, a bracelet and a keychain which all contain a chip allowing the shopper to make payments on credit. This, he says, is just a bridge to technology that will recognize customers by their eye or fingerprint, so people will be able to shop without lining up at a checkout.

Although cash, cheques and indeed cards will remain a choice for shoppers, he says, these new ways of paying will take a growing share of the payments market in 10 years’ time. Such a future sounds frightening for anyone who already has concerns about the safety of payment. Mr Sajed argues that nothing will be done without permission.

As this digital market becomes more popular, and the technology advances, there will be a battle among banks, payment providers and others for their product to be used.

1. What can we infer according to the first paragraph?

A．Thefts will often happen.	B．There’s on need to make cash.
C．You can do some shopping for free.	D．Shopping will be more convenient.

2. Which is right about the physical plastic credit card?

A．It has already disappeared.	B．It will still exist as a payment way.
C．It was invented by Barclaycard 55 years ago.	D．It has been replaced by the new payment way.

3. What’s the main idea of paragraph 3?

A．The necessity of a plastic card.	B．The procedure of doing shopping.
C．The function of the wearable items.	D．The new kind of clothing with a clip.

4. What does the text mainly talk about?

A．The future of the credit card.	B．The convenience of the future life.
C．The more popular shopping market.	D．The development of the payment way.