（1）非现金支付的好处；
（2）非现金支付的弊端；
（3）你的观点。
注意：
（1）字数100左右；
（2）可适当增加细节，以使行文连贯；
（3）开头与结尾已给出，不计入字数。
With fewer and fewer people using cash, Non-cash payments are becoming increasingly popular, especially in China.
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Posted by Li Jin
2 . AI, 5G, cloud computing and other digital technologies are not only changing our lives but shaping the economy as well.
China’s six major commercial banks are stepping up digital wallet efforts to provide new drive for the e-CNY (数字人民币) trials in the country, as reported by Shanghai Securities News on March 23.
“The functions and properties of the-CNY are exactly the same as those of the paper currency, except that the form is digital,” said Mu Changchun, head of the People’s Bank of China’s Digital Currency Research Institute.
Many people are puzzled by e-CNY and electronic payments. “Digital currency has the characteristics of both paper money and electronic payment,” said Wu Qianhong, a professor at the School Electronic and Information Engineering, Beihang University. “In theory, digital currency can replace paper money, Alipay and WeChat payments.”
Compared with Alipay and WeChat payments, e-CNY features anonymity (匿名性) and security. E-commerce platforms that accept payments via e-CNY will not have access to user’s personal information. E-CNY users can open an anonymous digital wallet by registering a mobile phone number, and telecom operators cannot disclose (泄露) customer information to the central bank or any third-party institutions. Mu noted that e-CNY user’s privacy protection is at the highest level among all the existing payment tools.
Similar to Alipay and WeChat payments, using e-CNY requires an account. After obtaining the other party’s account number, users can enter the amount of digital money to transfer (转钱) and then enter the payment password to complete the transaction (交易). However, the process behind these transfers are different. For electronic payments, the transfer has to go through a third party, and the receivers will get the transferred money only when they withdraw money from banks. But e-CNY transfers only need a payer and a receiver to complete a transaction. Therefore, it guarantees risk-free payments, according to Wu.
In simple terms, e-CNY can be considered “money”, while electronic payments are like “wallets”.
1. What can we know about e-CNY?| A．It is issued by six major commercial banks. |
| B．It combines paper money and electronic payment. |
| C．It is designed to replace Alipay and WeChat payments. |
| D．It has exactly the same function as other payment tools. |
| A．By limiting access to personal information. |
| B．By storing personal data in the central bank. |
| C．By opening a unique digital wallet for each user. |
| D．By linking telecom operators to a mobile phone number. |
| A．E-NCY transfers require to go through a third party. |
| B．E-NCY is more convenient than other electronic payments. |
| C．E-NCY can be transferred without the receiver’s information. |
| D．E-NCY and electronic payments ensure security in the same way. |
| A．To promote the use of e-NCY. |
| B．To inform readers of digital RMB. |
| C．To compare different types of payments. |
| D．To describe the impact of digital technologies. |
3 . I had spent an hour in the bank with my dad, as he had to transfer some money. I couldn’t
“Why would I do that?” he asked. “Well, then you won’t have to
He asked, “If I do that, I won’t have to step out of the
He said, “Since I
“Two years back I got sick; the store owner from whom I buy fruits came to see me and sat by my bedside and
“Would I have that human touch if everything I did was on line? Why would I want everything delivered to me and to
| A．enjoy | B．behave | C．teach | D．resist |
| A．investment | B．retail | C．Internet | D．business |
| A．gain | B．miss | C．spend | D．delay |
| A．reading | B．shopping | C．learning | D．working |
| A．serious | B．certain | C．curious | D．excited |
| A．house | B．shop | C．bank | D．company |
| A．heart-broken | B．tongue-tied | C．absent-minded | D．cold-blooded |
| A．entered | B．left | C．owned | D．lost |
| A．found | B．met | C．made | D．interviewed |
| A．chatted | B．played | C．discussed | D．quarreled |
| A．patient | B．alone | C．careful | D．generous |
| A．limited | B．precise | C．enough | D．reasonable |
| A．long for | B．devote to | C．apply for | D．stick to |
| A．laughed | B．froze | C．puzzled | D．cried |
| A．surprisingly | B．eventually | C．immediately | D．frequently |
| A．led | B．rush | C．welcome | D．show |
| A．arm | B．cope | C．interact | D．end |
| A．looking for | B．worried about | C．arguing with | D．dealing with |
| A．creates | B．handles | C．removes | D．weakens |
| A．charge | B．deserve | C．waste | D．deliver |
4 . Just wanting a hamburger, Hembert Figueroa was surprised to learn the dollar bills in his pocket were no good at Dos Toros Taqueria in Manhanttan.
Figueroa, an ironworker, had to stand to the side, holding his hamburger, until a cashier helped him find another customer willing to pay for his meal with a card in exchange for cash. “I had money but I couldn’t pay,” he said.
Cash-free stores are causing a backlash among some activists who say the practice looks down upon people like Figueroa, who either lack bank accounts or rely on cash for many transactions(交易).
Supporters for banning cashless stores worry technology is moving too fast for the 6.5% of American households—8.4 million—that do not have a bank account.
Business owners who go cashless say they are following the lead of majority of customers who are abandoning cash payments. Retailers(零售商)are under pressure to satisfy customers with higher expectations for fast and convenient service, driven by companies like Amazon and Uber.
Leo Kremer, co-worker of Dos Toros, said the amount of cash transactions at his stores fell from about 50% a decade ago to 15% last year. Cash transactions made handling cash especially troublesome. Before going cashless, Dos Toros locations were robbed twice.
Financial experts who work with low-income people caution against making assumptions about the shopping preferences or buying power of those who rely on cash. Justine Zinkin, CEO of Neighborhood Trust Financial Partners, said the greater urgency in the digital time is finding ways to better include low-income people in the banking system, such as urging banks to offer no-fee starter accounts and encouraging banks to open branches in underserved areas.
1. What trouble was Hembert Figueroa faced with at Dos Toros Taqueria?| A．He couldn’t make a deal with cash. |
| B．He failed to find a cashier for help. |
| C．He took no money or a card with him. |
| D．He was caught carrying false bank notes. |
| A．Heated debate. | B．Warm welcome. |
| C．Strong disagreement. | D．High expectation. |
| A．Making regulations to ban cashless stores. |
| B．Raising the buying power of low-income people. |
| C．Finding ways for banks to adapt with the digital time. |
| D．Making banks more accessible to low-income people. |
| A．Cashless stores—a production of new technology |
| B．Should cashless stores be banned? |
| C．Cashless stores, a new form of transaction |
| D．Are cashless stores preferred by low-income people? |
