资料：Thedataabankhasstoredonitss-名校题库网

资料：The data a bank has stored on its servers is more valuable than the gold in its vaults. Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors. In Europe, at least, that is all about to change with a new set of regulations, named PSD2.

The rules will compel banks to share data easily with licensed third parties. Bankers in Europe complain that their profits and customer relationships are under threat. However, opening up banks, and the data they store, is good for consumers and competition, New providers will be better placed to offer all sorts of innovative services, such as a one-click option to put unspent monthly income into a pension plan.

Nevertheless, some concerns about PSD2 are legitimate. In particular, it is reasonable to wonder about the privacy and security implications of sensitive financial date being shared with third parties. But banks themselves are hardly invulnerable to cyber attacks （网络攻击）.And the solutions that the European regulators propose to deal with these worries look promising. Third parties that want to use bank data will need to convince national regulators that their data defenses are solid and are subject to annual regulatory inspections.

The gap between writing rules and implementing them is always large. First, consent from customers to provide access to their bank data must be gained explicitly, and the purposes of the data use should be clearly explained. Second, regulators must be very tough both in ensuring that banks open up their infrastructure and in withdrawing the licenses of third parties that break the rules. Third, regulators must also be flexible enough to allow for changes as the market evolves. Since the new entrants will not be licensed to engage in riskier financial activities——such as lending money——it makes sense to regulate them with a lighter touch. But if some Fintech providers do end up becoming systemically important, higher standards of oversight might be necessary.

What is the passage mainly about？

A.Challenges facing European regulators
B.A new regulation in Europe that opens banks to competition
C.The solutions to the flawed banking system in Europe
D.A looming threat to customers' private bank data

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答案： B

本题解析：

本题考查的是语篇理解。

【关键词】passage;about

【主题句】第2自然段The rules will compel banks to share data easily with licensed third party.Bankers in Europe complain that their profits and customer relationships are under threat.这些规则将迫使银行与持牌第三方轻松共享数据。欧洲的银行家抱怨称，他们的利润和客户关系正受到威胁。

【解析】本题的问题是“这篇文章的主要内容是什么?”。A选项“欧洲监管机构面临的挑战。”；B选项“欧洲的一项新规则，让银行走向竞争。”；C选项“欧洲有缺陷的银行体系的解决方案。”；D选项“客户私人银行数据迫在眉睫的威胁。”根据主题句可知，本文主要讲的是欧洲开放银行竞争新规则，故选B。