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  3. Mobile payment has taken China by storm. A recent survey found that 70 percen

Mobile payment has taken China by storm. A recent survey found that 70 percen

游客2023-11-26  35
问题    Mobile payment has taken China by storm. A recent survey found that 70 percent of Internet users don’t regard cash as a daily necessity anymore. Is China becoming a cashless society? From the following excerpts, you can find that opinions vary.
   Write an article of NO LESS THAN 300 words, in which you should:
   1. summarize briefly the different opinions:
   2. give your comment.
   Marks will be awarded for content relevance, content sufficiency, organization and language quality. Failure to follow the above instructions may result in a loss of marks.
   Excerpt 1
                        Irresistible Trend
   " The cashless society is what we are moving toward," said Xiao Ligang, a cab driver in Beijing, " It is irresistible. "
   "Almost every taxi driver I know is using WeChat Pay," Xiao said.
   Unlike paying with credit cards in western countries, China’s cashless payment refers to mobile payment on smartphones.
   In Beijing, even senior citizens buy vegetables at the community market with their smartphones: office workers pick up colorful shared bicycles after scanning their QR codes: and street artists provide QR codes for donations.
   Whether it is making an appointment to see a doctor, ordering takeaways from a restaurant, or buying a ticket at home for a film that is about to begin, Beijingers can do it on their smartphones.
   " Mobile payment saves a lot of time for us and help us effectively avoid counterfeit money," said Ren Tingting, a cashier at Century Mart, a chain supermarket in Beijing.
   Global leading coffee shop chain Starbucks has eyed the huge number of mobile payment users in China and partnered with Chinese Internet giant Tencent to make WeChat mobile payment available in all its coffee shops in China.
   Excerpt 2
                        Security Concerns
   Not everyone is entirely at ease with China’s rapidly becoming a cashless society. As mobile payment penetration has reached 64.7 percent in 2016, according to Bank of China, security is becoming one of the top concerns for skeptics of the trend.
   "I’m a little worried about the security of mobile payment," said 16-year-old Cao selling lotus seeds on a pedestrian overpass in Chaoyang District. Although there is a QR code in front of her stall, she prefers to take cash. " It seems to me that a cashless society would not be quite safe, since there may be hackers who can steal my money stored in an Alipay account. "
   Also stored by any online payment service is its consumers’ private information, including name, phone number and ID number. Preventing identity theft could also be a challenge for the impending cashless society in China.
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答案                   Is China Becoming a Cashless Society?
   With the rise of the popularity of smartphones in recent years, Chinese consumers are more willing to pay online via WeChat Pay and Alipay. Will this then lead China into a cashless society? Opinions vary. Due to the convenience and the increasing popularity of non-cash payment, optimists say yes to the question. However, some people claim with discretion that cash is the most secure way for transactions.
   In view of the current situation, I think we have reason to believe that China is moving towards a cashless society gradually, but it takes time as cash payment does have some advantages over non-cash payment under some circumstances.
   Firstly, for those who cannot use smartphones and mobile payment adeptly or those who simply do not have access to a smartphone, the old-fashioned cash payment is preferred. Secondly, using cashless payment needs to have your phone on hand at all times. But it doesn’t pay to rely on it too much—say if your phone is broken or your phone battery runs out, how can you make a payment in the very tricky situation with no cash in your pocket? Thirdly, in a cashless society, security is the biggest concern. What if you lose your phone and someone else can access to the quickpay feature? There is often no need for a password with it, so the thief could just pick up your phone, go into WeChat Pay and spend away your money. What’s more, as money becomes digitalized, hackers are likely to steal the money from your account in a minute, and new ways of monetary deception may take advantage of the prevailing digital transfer of money to empty your account. What’s worse, unlike wallets lost or stolen, your loss would not be just several notes, but an arbitrary number in your account. And what I said above is not alarmist. In reality, these scams have been already very common today. Therefore, from the perspective of avoiding any possible risks, most people will still have cash as a backup.
   Anyhow, I do believe we are moving towards a less-cash society, but we will not become a cashless society for the near term.
解析    本题讨论的是中国是否会成为“无现金社会”的问题，命题关注社会热点，启发考生思考。本题要求简要概括所给材料中的不同观点，然后发表自己的看法。在具体的写作过程中，考生可以开篇点明社会现象，并简要概括材料中的观点；第二段提出自己的观点；第三段详述理由，支撑自己的观点；最后一段总结全文，重申观点。
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