衡水金卷先享题 2023届调研卷 理数(全国甲卷A)(三)3答案

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CIn a new blog post for the International Monetary Fund,four researchers presented their findings from aworking paper that examines the current relationship between finance and tech as well as its potential future.Gazing into their crystal ball,the researchers see the possibility of using the data from your browsing,search,and purchase history to create a more accurate mechanism for determining the credit rating of anindividual or business.They believe that this approach could result in greater lending to borrowers who wouldpotentially be denied by traditional financial institutions.At its heart,the paper is trying to wrestle with the dawning notion that the institutional banking system isfacing a serious threat from tech companies.The researchers identify two key areas in which this is true:Techcompanies have greater access to soft information,and messaging platforms can take the place of the physicallocations that banks rely on for meeting with customers.The concept of using your web history to inform credit ratings is framed around the notion that lenders relyon hard-data that might hide the worthiness of a borrower or paint an unnecessarily bad picture during hard times.Citing soft-data points like "the type of browser and hardware used to access the Internet,the history of onlinesearches and purchases"that could be included in evaluating a borrower,the researchers believe that when alender has a closer relationship with the potential client's history,they might be more willing to cut them someslack."Banks tend to cushion credit terms for their long-term customers during downturns,"the paper's authorswrite.This is because they have a history and relationship with the customer.The researchers acknowledge that there will be privacy and policy concerns related to including this kind ofsoft-data in credit analysis.Getting the soft-data points would probably require tech companies to loosen up theirstandards on linking unencrypted (information with individual accounts.How they might shareinformation with other institutions would be their own can of worms.8.What is the approach put forward by the researchers?A.Replacing banks with soft information.B.Lending money by predicting the future.C.Determining credit ratings by web history.D.Facing the threat posed by high-tech companies.9.Why do they advocate the new way of rating the borrower's credit?A.Traditional finance refuses to lend money.B.The new approach helps reduce the burden on banks.C.The type of hardware misleads the lender's judgment.D.Soft information better reflects the truth than hard data.10.Which is the closest in meaning with the underlined phrase in paragraph 4?A.Be less strict.B.Share interests.C.Forgive others'fault.D.Cut a piece of bread.11.What do the researchers worry about?A.Banks will break up with customers.B.High-tech companies will be in a mess.C.Sharing information may cause problems of privacy.D.Competition between tech companies will be fiercer.【语篇导读】本文是一篇说明文。文章介绍了施行通过网络历史决定信用评级这一方法的原因和优点，以及可能存在的问题。8.C细节理解题。根据第二段the researchers see the possibility of using the data from your browsing.,whowould potentially be denied by traditional financial institutions可知，研究人员提出的方法是通过网络历史数据决定信用评级。9.D推理判断题。根据第三段中The researchers identify two key areas in which this is true,.,that banks rely onfor meeting with customers..以及第四段中The concept of using your web history to inform credit ratings..paint an unnecessarily bad picture during hard times.可知，他们提倡用新的方法来评定借款人的信用，是因为软数据比硬数据更能反映事实。lO.A词义猜测题。根据倒数第二段内容以及画线部分上文Citing soft-data points like,,they might be morewilling t0可知，研究人员引用了软数据点，这些数据可以包括在评估借款人时，当放款人与潜在客户的历史关系更密切时，他们可能更愿意不那么严格，更加放松。故画线部分意为“不那么严格”。ll.C细节理解题。根据最后一段The researchers acknowledge that,,How they might share information withother institutions would be their own can of worms.可推知，研究人员担心共享信息可能引发隐私问题。

BInternet Explorer,the Microsoft browser that is almost 20 years old,is to be killed off and replaced by a newoperating system.Microsoft has confirmed that its new browser,code-named Project Spartan,which is due to be unveiled laterthis year,will not use the familiar Internet Explorer name."We're now researching what the new brand,or thenew name,for our browser should be in Windows 10,"the company's marketing chief Chris Capossela told aconference.Internet Explorer once dominated the market and had more than one billion users but it could not competewhen Firefox and Google's Chrome launched with faster technology and slicker design.Microsoft is thought to be dropping the brand in a bid to get rid of "negative point of views"gathered sinceits 1995 launch.The software is known to be slow and has had various security problems.The company has oftentalked about changing the browser's name to recover its reputation.Nearly a decade ago,Dean Hachamovitch,then-head of the Internet Explorer business,is said to have told an industry conference,"We messed up."Tom Bedecarre,chairman of Akga,a digital advertising agency,said the Internet Explorer brand was pastits sell-by date."In the war of the future,which is mobile,they're losing,he told the Financial Times."Nobody's going to download Internet Explorer as their mobile browser."Jason Liggi,a developer at Ascot-based digital agency Rawnet,said,"Microsoft's change in direction is asmart,but bold,and a symbolic gesture.Internet Explorer has developed a fairly bad reputation over the years,by and large because of IE 6-7,but also because of its practice of web standards.This change in name is going tobring with it a quantity of psychological improvements for users.Internet Explorer,and referring to it as 'IE',generally causes complaints across the board,even with people outside of tech communities.It's just got negativeindications nowadays,and it will be interesting to see the changes the new name will bring for the brand."4.What is mainly discussed in the passage?A.The Microsoft browser has a history of almost 20 years.B.Microsoft is to replace the Internet Explorer with a new browser.C.The Internet Explorer has developed a fairly bad reputation.D.The new browser is sure to bring a good name for Microsoft.5.What problems does Internet Explorer have?A.People held negative point of views at the very beginning.B.The software hasn't brought the company a good reputation.C.It is slow and has had various security problems.D.It was messed up in the industry of explorer business.6.What can we infer from the passage?A.Microsoft is losing the competition of IT.B.Internet Explorer has destroyed the future of Microsoft.C.Microsoft still takes a lead in the development of mobile browsers.D.Microsoft is confident that the new browser will be popular.7.Where can you most probably read this passage?A.Science fiction.B.Newspaper.C.Guidebook.D.Health magazine.【语篇导读】本文是一篇新闻报道。文章报道了新的操作系统将取代有近20年历史的微软浏览器。4.B主旨大意题。根据第一段的Internet Explorer,the Microsoft browser that is almost20 years old,is to bekilled off and replaced by a new operating system,以及全文内容可知，本文主要讲述了微软将用一个新的浏览器来取代IE浏览器。5.C细节理解题。根据第四段的The software is known to be slow and has had various security problems.可知，IE浏览器运行慢且存在各种安全问题。6.D推理判断题。根据最后一段的This change in name is going to bring with it a quantity of psychologicalimprovements for users.it will be interesting to see the changes the new name will bring for the brand断，微软相信这个新的浏览器将会很受欢迎。7.B文章出处题。根据第一段的Internet Explorer,the Microsoft browser that is almost20 years old,is to bekilled off and replaced by a new operating system.可知，本文主要介绍了微软将用新的浏览器替代旧的IE浏览器，这属于社会新闻，最有可能出现在报纸上。