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  3. 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

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

admin2020-02-28  40
问题     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?
选项 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 t0 customers’ private bank data．
答案A
解析 主旨题。根据题干关键词mainly about可知要通读全文并总结文章大意，A项“Challenges facing European regulators．(欧洲监管机构面临的挑战。)”与全文意思相符。其他三项，B项“A new regulation in Europe that opens banks to competition．(欧洲出台了一项新法规，允许银行参与竞争。)”只是文章前半部分的叙述，并非对全文的总结，排除；C项“The solutions to the flawed banking system in Europe．(欧洲存在缺陷的银行体系的解决方案。)”，文中仅出台新法规让银行参与到竞争中，并未提及“存在缺陷的银行体系”，过度推断，排除；D项“A looming threat to customers’ private bank data．(对客户私人银行数据的潜在威胁。)”与文意不符，排除。故本题选A。
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