【题目】请阅读下面图片和文字,并按照要求用英语写一篇 150 词左右的文章。

Today with the development of technology, people own all kinds of mobiles phones. Wherever you go, it’s not uncommon to see people obsessed with mobile phones, taking photos, watching videos online, or getting caught up in checking or updating their WeChat Moments. Our life seems to have been taken over by mobile phones and we live in a virtual world created by mobile phones, where we no longer have intimate( )conversations that bring belly laughs.

Well aware that the overuse of phones will hurt relationships, many people have had enough of this non-interaction, especially when getting together or over meals, and changes are being made at houses. Many Chinese families set a strict “no phones at the dinner table” policy, which hopefully will stop their kids from becoming addicted to mobile phones and prevent more digital invasion of our personal space.

(写作内容)

1. 用约 30 个词概述上述图片和文字的内容;

2. 用约 120 个词就餐桌上禁用手机这一话题,谈谈你的看法,内容包括:

(1) 简要阐述这种做法的必要性;

(2) 结合实际,就如何避免沉迷于手机提出几点建议(不少于两点)

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【题目】

Bathroom Reveals Your Repayment Ability

Banks and other lenders typically look at borrowers’ credit histories, tax forms and other financial information to determine whether they will get paid back. In China, 1lenders also look at their bathrooms.

As the economy slows, the government wants to nurture a credit culture to get Chinese families spending instead of saving. While the country’s wealth has 2, the financial system has not kept pace. Some people have had no3 to credit card or mortgage, so lenders often have little reliable information about potential borrowers.

To fill the gaps, one upstart lender, China Rapid Finance, 4 data analysis with on-the-ground spade work. The company’s investigators, in more than 90 cities, check for the number of toothbrushes or towels to determine how many people are living in a house. They look for dirty dishes in the kitchen. They take photos of a potential borrower at work to confirm employment status.

A growing number of companies are trying to crack the credit code in China. The internet giants Alibaba, Tencent and Baidu are developing credit 5 systems based on users’ online transactions and search histories.

The World Bank estimated that 79 percent of China’s population above the age of 15 have bank accounts, while only 10 percent have ever borrowed from the formal financial system. China’s banks have a(n) 6 consumers lending business. Contrarily, online lenders are 7 as the pioneers, satisfying China’ s rising consumer class. Alibaba’s financial affiliate(隶属机构), Huabei, makes small loans to online shoppers and vendors on its e-commerce platforms.

Peer- to-peer platforms have proved hugely popular in China, but the industry’s reputation has been 8 by scandal, like the collapse of Ezubao.

After that, regulators have stepped up their oversight of online lenders, including setting9 on the amounts that can be borrowed. The regulators’ tightening grip is “something like a shepherd 10herding his sheep into an increasingly narrowing pen or chute,” said Mark Natkin, the founder and managing director at Marbridge Consulting, based in Beijing.

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