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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  42
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．
According to the first two paragraphs，what will banks in Europe be forced to do?
选项 A、To keep clients’ data safe．
B、To close down the poor services．
C、To give up their data monopoly．
D、To disclose their sources of profits．
答案C
解析 推断题。根据题干关键词the first two paragraphs定位到第一和二段，然后根据题干中的“banks in Europe”和“be forced to do”在前两段中寻找相关信息，根据第一段第二句“Banks enjoy a monopoly over data that has helped them get away with poor services and fend off competitors．(银行对数据享有垄断，这帮助它们摆脱了糟糕的服务，并击退了竞争对手。)”以及它的下一句“In Europe，at least，that is all about to change with a new set of regulations，named PSD2．(至少在欧洲，这一切都将随着一套名为PSD2的新法规而改变。)”和第二段的内容，说明因为PSD2的出现银行对数据不再享有垄断，和C项“To give up their data monopoly．(放弃他们对数据的垄断。)”意思相符。其他三项，A项“To keep clients’ data safe．(确保客户数据的安全)”，文中未提及，排除；B项“To close down the poor services．(关闭落后的服务。)”文章只提到“get away with poor services(摆脱了糟糕的服务)”，并未提到“关闭”，属于过度推断，排除；D项“To disclose their sources of profits．(披露其利润来源。)”文中未提及，排除；只有C项符合。故本题选C。
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