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  3. 资料：The data a bank has stored on its ser

资料：The data a bank has stored on its ser

题库2022-08-02  4
问题 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.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.
选项 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.
答案 B
解析 本题考查的是推理判断。
【关键词】paragraph 3; probable reason; privacy concerns about PSD2; unnecessary
【主题句】第3自然段And the solution that the European regulators propose to deal with these worries look promising.欧洲监管机构提出的解决这些担忧的方案看起来很有希望。
【解析】本题的问题是“根据第3段，PSD2的隐私问题没有必要担心的可能原因是什么?”。A选项“第三方将不得不购买欺诈保险。”；B选项“监管机构提出了有希望的解决方案。”；C选项“银行对网络攻击的防御很强。”；D选项“第三方每月检查客户数据。”根据主题句可知，监管机构已经想出了有希望的解决办法，故选B。
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