Passage2Thedataabankhasstoredo-名校题库网

Passage 2

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 data being shared with third parties.But banks themselves are hardly invulnerable to cyber attack（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

According to paragraph 3.what is the probable reason that privacy concerns about PSD2

are unnecessary （　　）.

A.Third parties will have to buy fraud insurance
B.Regulators have come up with promising solutions
C.Banks'defense against cyber attacks is strong
D.Third parties will check clients’data monthly

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答案： B

本题解析：

题干问，根据第三段，下列哪项是对于PSD2规定涉及到的隐私问题担忧很多余的原因。根据第三段some concerns about PSD2 are legitimate.In particular,it is reasonable to wonder about the privacy and security implications of sensitive financial data being shared with third parties.But banks themselves are hardly invulnerable to cyber attack（网络攻击）.And the solutions that the European regulators propose to deal with these worries look promising.可知，一些对于PSD2规定的担忧是合理的，···。但是，银行自身对于网络攻击，其实几乎是牢不可破的；且欧洲的监管者提出了一些解决这些担忧的方案，这些方案是比较靠谱、对问题的解决也是有盼头的。所以，根据以上这两个原因，对于PSD2规定是不需要担忧的。因此，B项就是其中的原因之一。而C项错在“is strong”，原文的用词是“are hardly invulnerable”，即：几乎···，C项少了hardly这个词，属于用词不严谨，说法太绝对，排除；AD属于文中未提及，故排除；故本题正确答案选B。