首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
公务员
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
admin
2020-02-28
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.
Which of the following is true in order to successfully implement PSD2?
选项
A、Customers are forced to share their bank data.
B、Banks are required to open up their entire operational system.
C、Regulators should be both tough and flexible.
D、Banks and third parties should be regulated with a light touch.
答案
C
解析
推断题。根据题干关键词successfully implement PSD2定位到第四段,然后根据题干中的“privacy concerns about PSD2”在第三段中寻找相关信息,根据第四段的“regulators must be very tough both…;regulators must also be flexible enough to allow for changes as the market evolves.(监管机构必须对两者都非常严格……;监管机构还必须足够灵活,以适应市场的变化。)”和C项“Regulators should be both tough and flexible.(监管机构应该既强硬又灵活。)”意思相符。其他三项,A项“Customers are forced to share their bank data.(客户被迫分享他们的银行数据。)”和文中的“consent from customers to provide access to their bank data must be gained explicitly(客户同意提供对其银行数据的访问必须得到明确的同意)”相反,排除;B项“Banks are required to open up their entire operational system.(银行被要求开放其整个运营系统。)”,文中仅提到“ensuring that banks open up their infrastructure(确保银行开放基础设施)”,并未提及开放“整个”运营系统,过度推断,排除;D项“Banks and third parties should be regulated with a light touch.(对银行和第三方的监管应该从轻处理。)”文中提及的是“the new entrants(新进入者)”,与文意不符,排除。故本题选C。
转载请注明原文地址:https://kaotiyun.com/show/zGjY777K
本试题收录于:
银保监财经类题库国家公务员分类
0
银保监财经类
国家公务员
相关试题推荐
甲公司与某乡政府达成捐赠100万元用于建设新小学的赠与合同。关于本赠与合同,下列说法正确的是:
2019年3月1日,习近平总书记在2019年春季学期中央党校(国家行政学院)中青年干部培训班开班式上发表了重要讲话。下列关于此次讲话的内容,说法错误的是:
国家的制度变革和治理现代化与每个人息息相关。从“管理”到“治理",一字之变,其内涵与外延都发生了巨大变化。“管理”更多强调的是自上而下的维度,而“治理”则具有更多平等和共治的意味,是公共事务相关主体对于国家和社会事务的有序参与,是各类主体围绕国家和社会事务
拟剧理论指人与人在社会生活中的相互行为在某种程度上是一种表演。每一个人就像演员一样,在某种特定的场景下,按照一定的角色要求在舞台上表演给观众看,在整个表演过程中,人总是尽量使自己的行为更为接近想要呈现给观众的那个角色,观众看到的是那个表现出来的角色而不是演
分粥效应是哲学家罗尔斯在《正义论》中讨论社会财富时做的一个比喻,说明只要把制度建立在对每一个人都不信任的基础上,就可以导出合理、具有监管力度的制度。这种制度不但要科学,而且其制定一定要有所依据、简单明了,具有针对性、可操作性,便于执行。根据上述定
气象研究团队开发出一种基于人工智能的计算模型,用以检测云的旋转运动。研究人员鉴定并标记了逗点状云系的形态和运动,并利用计算机视觉和机器学习技术,“教会”计算机自动识别和检测卫星图像中的逗点状云系,以帮助人们更高效地在海量天气数据中及时发现恶劣天气的“端倪”
王某向某县畜牧水产局申请设立个体养殖场,县畜牧水产局受理申请。邻居张某等人提出,养殖场会造成环境污染,要求县畜牧水产局不予批准并组织听证。对此,下列符合行政许可法规定的是:
一国货币贬值对该国对外贸易的影响是:
①文化消费就是消费者对有形和无形的文化产品的消耗,消费过程实质上就是对文化的过程,对消费者而言,文化消费的效用是获得精神享受。文化消费基本上可分为两类:一是消费者要实现文化消费,必须支付货币,这是主要的文化消费;另一类是由政府提供的公益性的文化消费。而文化
货币主义提出了()。
随机试题
参加雅典奥运会的中国女子射箭代表队在比赛结束后喝酒的运动员,或者喝五粮液,或者喝张裕干红。如果以上断定为真,以下哪项也必为真?Ⅰ.有些参加雅典奥运会的中国女子射箭队运动员赛后不喝酒。Ⅱ.参加雅典奥运会的中国女子射箭队运动员赛后如果不喝五粮液,则一定喝张
A.切口分类及愈合记录为“I甲”B.切口分类及愈合记录为“Ⅱ丙”C.切口分类及愈合记录为“Ⅱ乙”D.切口分类及愈合记录为“Ⅲ甲”腹股沟疝修补术后切口愈合优良
碘伏洗手法涂擦消毒手1遍共需紫外线照射空气消毒至少需
再生障碍性贫血时海洋性贫血时
A,查耳酮B,黄酮C,二氢黄酮D,黄酮醇E,二氢黄酮醇黄酮母核2位、3位无双键,3位无羟基者是()
在会计实务中,原始凭证按照填制手续及内容的不同,可以分为()。
甲、乙两个科室各有4名职员,且都是男女各半。现从两个科室中选出4人参加培训,要求女职员比重不得低于一半,且每个科室至少选1人。问有多少种不同的选法?
设x=011050,则x=x&01252的值是()。
以下叙述中错误的是
A、Fosterfamiliesofadoptedchildren.B、Onlythewomanandhertwinsister.C、Severaltwinsinadoptivefamilies.D、Adoptedchi
最新回复
(
0
)