2024年6月13日发(作者：)

备战2022年高考英语时事热点阅读+题型专练

热点29 数字货币与在线电子支付

一、阅读理解

1

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 encourage the

e-CNY trials in the country, as reported by Shanghai Securities News on March 23.

The functions of the e-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 of 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 users’ personal information. E-CNY users can

open an anonymous digital wallet by registering a mobile phone number, and telecom operators cannot disclose

customer information to the central bank or any third-party institutions. Mu said that e-CNY users’ 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 be transferred (

转账

) and then enter the payment

password to complete the transaction (

交易

). However, the processes 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”. “Since

Alipay and WeChat Pay are payment channels, they can use e-CNY for payment after upgrading,” said Wu.

“The promotion of e-CNY is a gradual and inclusive process”, Cheng Shi, the chief economist and managing

director of Industrial and Commercial Bank of China International, wrote in an article for China Daily.

1. What can we know about e-CNY?

A. It is issued by six major commercial banks.

B. Its functions exactly resemble those of other payment tools.

C. It combines the features of paper money as well as electronic payment.

D. It is aimed at replacing paper money, Alipay and WeChat payments.

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

A. Claim. B. Reveal. C. Deliver. D. Confirm.

3. What can we infer from paragraph 5?

A. E-CNY is more convenient and secure than other electric payments.

B. E-CNY ensures security the same way as other electronic payments do.

C. E-CNY transfers have to be made through a third party.

D. E-CNY can be transferred without the receivers information.

4. What’s the main purpose of the article?

A. To compare different types of payment.

B. To inform readers of digital RMB. C. To promote the use of e-CNY.

D. To describe the influence of digital technologies.

【答案】

C BA B

【解析】本文是一篇说明文，介绍电子人民币的特点。

1.

细节理解题。根据第三段

“Digital currency has the characteristics of both paper money and electronic payment?

（数字货币兼具纸币和电子支付的特点

?

）

”

可知电子货币兼有纸币和电子支付的特点，故选

C

。

2.

词义猜测题。根据第四段的

“Compared with Alipay and WeChat payments, e-CNY features anonymity (

匿名性

)

and security.

（与支付宝和微信支付相比，

e-CNY

具有匿名性和安全性。）

”

可知，本段介绍电子货币的匿名

性和安全性，收款的电商不能获取用户的个人信息，用户可用手机号匿名开一个钱包账户，电信运营商不

能把用户信息泄露给央行或任何第三方机构，因此

“disclose”

的意思是

“

透露

”

，故选

B

。

3.

推理判断题。根据第五段

“But e-CNY transfers only need a payer and a receiver to complete a transaction.

Therefore, it guarantees risk-free payments, according to Wu.

（但是

e-CNY

转账只需要一个支付者和一个接收

者来完成交易。因此，它保证了无风险支付。）

”

可知

e-CNY

支付不需要第三方，只需支付方和收款方即可

完成，所以比其他电子支付更方便也更安全。故选

A

。

4.

推理判断题。通读全文，尤其是第二段的

“The functions of the e-CNY are exactly the same as those of the

paper currency, except that the form is digital,

（电子人民币的功能与纸币完全相同，除了形式是数字化的，）

”