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

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：

主旨概括题。本题四个选项都在一定程度上与原文意思符合，但这是一道主旨概括题，故可通过主体词来筛选出最优选项。综合每段话的首句或尾句可得出主体词。首段是引入话题：PSD2规定。接着每段的首句：The rules will compel banks to···;Nevertheless.some concerns about PSD2 are···;The gap between writing rules and implementing them is···.可知，每段话都是紧紧围绕PSD2来论述的，故PSD2是本文的主体词。A项：欧洲监管者正面临的挑战；本文的核心不是围绕监管者，且“欧洲监管者正面临的挑战”这个挑战的词义过广，原文只是谈及PSD2实施所面临的挑战，故排除A；B项：欧洲出台一项新规定，使得银行业竞争加剧，主体词与PSD2一致，且语义正确，故B为本文主旨；C项：解决欧洲银行业体制瑕疵的方案；方案只是原文其中的一部分内容，无法概括全文，排除。D项：对客户在银行的隐私数据，一种威胁正逐步逼近。D项的“威胁”可理解为PSD2，但是D项的感情色彩偏负面、消极，而从原文第二段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.可看出，作者剖析了PSD2的利弊两面，可看出作者的态度并不是只倾向于消极面的。D排除。故本题正确答案选B。