2025 金管局英语阅读 · 词汇 → 句型 → 原文译文

20252026-11-03 10:34:00

顺序说明:先看本篇词汇(含 20 道题干与选项中的词),再看句型句式,最后读原文译文;题目与答案随每篇放在译文之后 词汇口径:4 篇原文+20 题的实词去重,按篇内出现次数降序,共 816 个;虚词(the/of/to 等)不列 配套:全量词表 词汇表-全量释义.md|总索引 00-总索引.md

一、本篇词汇(816 个)

词次数中文
digital18数字的
ai15人工智能
employees12员工(复数)
money12钱;货币
people12人们
price12价格
governments11政府(复数)
data10数据
system10系统;制度
banks9银行(复数)
cash9现金
firms9公司(复数)
human9人类的;人
humans9人类
product9产品
monitoring8监控
machines7机器(复数)
many7许多
payment7支付
payments7支付(复数)
products7产品(复数)
service7服务
services7服务(复数)
time7时间;次数
become6变成
much6许多;很
terms6术语;条款(复数)
according5根据(according to)
amount5数量;金额
economy5经济
last5最后的;持续
make5使;制造
one5一个;一
paragraph5段落
passage5文章
prices5价格(复数)
private5私人的;私营的
surveillance5监控
workplace5职场
analysis4分析
buyer4买方
cannot4不能
cashless4无现金的
electronic4电子的
left4离开(leave 过去式);左边
lunch4午餐
market4市场
offer4提供;提议
open4开放的;打开
plumbing4管道(比喻支付通道)
problems4问题(复数)
russell4拉塞尔(人名)
seller4卖方
thought4想法;认为(think 过去式)
transaction4交易
use4使用
used4使用(use 过去式);习惯于
workers4工人(复数)
years4年(复数)
against3反对;与……相对
algorithm3算法
areas3领域(复数)
bank3银行
best3最好的
companies3公司(复数)
credit3信用;信贷
efficient3高效的
ensure3确保
example3例子
factors3因素(复数)
first3第一;首先
following3接下来的
implanted3植入的
information3信息
initiatives3举措(复数)
instant3即时的
knowledge3知识
let3让
long3长的;长久
made3制造(make 过去式)
nature3本质;自然
need3需要
new3新的
number3数字;数量
openai3OpenAI(公司名)
poor3贫穷的;差的
probably3可能
quality3质量
questions3问题(复数)
re3(are 的缩写残留,忽略)
science3科学
social3社会的
staff3员工
staffers3员工(复数)
tables3桌子(复数)
take3拿;花费;采取
understanding3理解
upon3在……之上
way3方式;道路
words3词语(复数)
world3世界
accept2接受
access2访问;获取
accounts2账户(复数);占
acting2行事(动名词)
algorithms2算法(复数)
already2已经
american2美国的;美国人
among2在……之中
anonymous2匿名的
approach2方法;接近
argue2主张;争论
ask2问
author2作者
bank-to-bank2银行间的
biases2偏见(复数)
bosses2老板(复数)
brilliant2绝妙的
build2搭建
capital2资本;首都
central2中央的
cheap2便宜的
chips2芯片(复数)
closer2更近的
come2来
complete2完全的;完成
comprehend2理解
control2控制
conversations2对话(复数)
counterproductive2适得其反的
country2国家;乡村
credit-card2信用卡
demand2需求;要求
depend2依赖
detrimental2有害的
devices2设备(复数)
different2不同的
digitalization2数字化
distribute2分发
economies2经济体(复数)
effect2影响;效果
einstein2爱因斯坦
elderly2年长的
employee2员工
enables2使能够(第三人称单数)
endangered2濒危的
engineering2工程
everything2一切
exchanged2交换(过去式)
far2远的;远
firm2公司;坚定的
fool2欺骗
found2发现(find 过去式);建立
fraud2欺诈
free2自由的;免费的
general2总的;一般的
get2得到;变得
give2给
given2鉴于;给定的
global2全球的
gone2消失(go 过去分词)
gpt2GPT(模型)
growing2增长的
hands2手(复数)
help2帮助
idea2主旨;想法
ideas2观念(复数)
identification2识别
inherent2固有的
innovation2创新
insights2洞见(复数)
intelligence2智能
interacting2互动(动名词)
involved2涉及的
keep2保持
known2已知的;被称为
labor2劳动力
language2语言
later2后来
learn2学习
less2更少
logical2逻辑的
main2主要的
mentioned2提到的
misconceptions2误解(复数)
monitored2被监控的
monopolies2垄断(复数)
monopoly2垄断
network2网络
non-human2非人类的
notes2指出(第三人称单数);笔记
ought2应该
package2一揽子;打包
particular2特定的
past2过去的;过去
pause2暂停
performance2业绩;表现
personal2个人的
pipes2管道(复数)
place2地方;放置
popular2流行的;受欢迎的
populated2人口密集的
potential2潜在的;潜力
pressure2压力
privileges2权利(复数)
produce2生产;产生
productivity2生产率
prof2教授(prof.)
progress2进步
protect2保护
prove2证明
public2公共的;公众
quickly2快速地
relativity2相对论
result2结果
return2回报;返回
rich2富有的
risks2风险(复数)
role2角色
sat2坐(sit 过去式)
schemes2方案(复数)
second2第二
set2设置;一套
show2显示;展示
small2小的
socially2社会地
something2某事
species2物种
specific2具体的
spontaneous2自发的
steps2步骤(复数)
stuart2斯图尔特(人名)
supply2供应
systems2系统(复数)
table2桌子
tabs2账单(复数)
tackle2应对
taken2采取(take 过去分词)
test2测试;检验
theory2理论
top2顶部;最高的
transfers2转账(复数)
transportation2运输
truly2真正地
two2二
unexpected2意外的
unpopular2不受欢迎的
urge2敦促
value2价值
voluntary2自愿的
vulnerable2易受伤害的
want2想要
well2好;很好地
year2年
ability1能力
able1能够的
academic1学术的
acceptable1可接受的
accountability1问责
action1行动
actions1行动(复数)
adoption1采纳
advertise1做广告
advertising1广告
affect1影响
affected1受影响的
age1年龄;时代
aggressive1激进的
agreed1同意(过去式)
ahead1提前
ai-produced1AI 生成的
ais1AI(复数)
alert1预警
algorithmic1算法的
allocation1分配
alone1独自(left alone 不被打扰)
although1尽管
always1总是
analytics1分析(公司)
analyzing1分析(动名词)
annual1年度的
anonymised1匿名的
answers1答案(复数)
anti-human1反人性的
approaches1方法(复数)
apps1应用(复数)
aren't1不是
argues1主张(第三人称单数)
argument1论点
arises1产生(第三人称单数)
around1周围;大约
asked-for1所要求的
assess1评估
assume1假定
attacks1攻击(复数)
attempt1尝试
autonomy1自主权
aware1意识到的
away1离开
backs1支持(第三人称单数)
badges1名牌(复数)
ban1禁止
banned1禁止(过去分词)
bar1酒吧;棒
based1基于
became1变成(become 过去式)
beef1加强(beef up)
behalf1代表(on behalf of)
behavior1行为
behind1在……之后
beings1人(复数)
believing1相信(动名词)
benefits1好处(复数)
beyond1超出
biometrics1生物识别
bits1少量;硬币(复数)
blackouts1停电(复数)
borders1国界(复数)
borrow1借
bought1买(过去分词)
breaks1休息;打破(第三人称单数)
bring1带来
brings1带来(第三人称单数)
broad1广泛的
bullying1欺凌
bundle1一堆
business1商业;生意
businesses1企业(复数)
buy1买
buyers1买方(复数)
buying1购买(动名词)
california1加州
called1被称为
cards1卡(复数)
cause1导致;原因
certain1某些;确定的
change1变化;改变
check1检测
checks1制衡(复数)
chip1芯片
chipping1植芯(chipping party)
civil1民事的;公民的
clinking1叮当作响的
co-author1合著者
co-working1共享办公的
coins1硬币(复数)
collecting1收集(动名词)
collective1集体的
communicated1沟通(过去分词)
communicating1交流(动名词)
comparable1可比的
complementary1补充的
complex1复杂的
complexities1复杂性(复数)
complicated1复杂的
composed1构成(过去分词)
comprise1构成
computer1计算机
computers1计算机(复数)
computing1计算机(形)
concern1担忧;涉及
cons1坏处(复数)
consequence1结果
constant1持续的
consumers1消费者(复数)
contrary1相反的
contributed1促成(过去式)
convenience-oriented1便利导向的
correlates1相关联(第三人称单数)
counter1反驳
course1课程;过程
cover1封面
creased1皱巴巴的
creates1创造(第三人称单数)
crumpled1皱巴巴的
currently1目前
customer1客户
customers1顾客(复数)
cyber-attacks1网络攻击(复数)
day1天;日子
day-to-day1日常的
deal1交易;处理
dealings1交易(复数)
dealt1处理(deal 过去分词)
decade1十年
decades1几十年(复数)
deceive1欺骗
dechumanizing1(dehumanizing 拼写错误)去人性化的
decide1决定
deemed1被认为
deep1深的
define1定义
definition1定义
delivery1交货
dematerialize1去物质化
denied1剥夺(过去分词)
depends1取决于(第三人称单数)
deployed1部署(过去分词)
deposit1存款
derived1推导(过去分词)
determine1决定
discounts1折扣(复数)
discusses1讨论(第三人称单数)
doesn1(does 的否定缩写残留,忽略)
doing1做(动名词)
dominate1主导
dominating1主导(动名词)
don1(do 的否定缩写残留,忽略)
doors1门(复数)
easier1更容易
educate1教育
education1教育
effectively1有效地
efficiency1效率
electronically-controlled1电子控制的
elements1要素(复数)
else1其他
email1电子邮件
emerging1新兴的
employers1雇主(复数)
empower1赋权
empowering1赋权(动名词)
enabling1使能够(动名词)
enhances1增强(第三人称单数)
enterprise1事业
entitled1应有的
entry1进入
environment1环境
epicenter1Epicenter(空间名)
equipped1装有
era1时代
eradicating1消灭(动名词)
erode1侵蚀
erosion1侵蚀
especially1尤其
eu1欧盟
evaluate1评估
evasion1逃(税)
ever1曾经;永远
excellent1优秀的
excessively1过度地
exchange1交易所;交换
excluded1排除(过去分词)
exhaust1尾气(data exhaust)
expands1扩大(第三人称单数)
experimentally1实验上
explain1解释
explained1解释(过去式)
explicit1明示的
exploit1利用
exponents1支持者(复数)
extreme1极端的
facilitate1促进
fact1事实
factor1因素
failures1故障(复数)
false1错误的
familiar1熟悉的
favor1偏爱
fear1恐惧
fiction1科幻
folk1人(复数)
food1食物
form1形式;表格
former1前任的
four-person1四人的
freedom1自由
frequently1频繁地
fully1完全地
gather1收集
gathered1收集(过去分词)
generally1通常
getting1得到(动名词)
giants1巨头(复数)
gives1给予(第三人称单数)
goals1目标(复数)
goes1走(goes far)
good1好的;利益
gradual1渐进的
grasp1把握
great1巨大的;伟大的
group1群体;集团
guarantees1保证(复数)
guidance1指导
habits1习惯(复数)
hack1入侵
hacked1被黑(过去分词)
half1一半
happen1发生
harassment1骚扰
hard1困难的;努力地
harder1更难
hardly1几乎不
harm1伤害
heart1心脏;核心
helpful1有帮助的
helping1帮助(动名词)
highlighted1凸显(过去分词)
history1历史
hold1持有;举行
holds1举办(第三人称单数)
hostage1人质(hold hostage)
id1身份证(ID)
illustrate1说明
imminence1迫近
impact1影响
impersonation1冒充
implants1植入物(复数)
implementation1执行
implemented1实施(过去式)
impossible1不可能
including1包括
indispensable1不可或缺的
individuals1个人(复数)
influence1影响
infringe1侵犯
inserted1植入(过去分词)
inspiration1灵感
instructions1指导(复数)
insurance1保险
intelligent1聪明的
interact1互动
interaction1交流
interests1利益(复数)
internet1互联网
interrelationships1相互关系(复数)
intrusion1侵入
intrusive1侵犯隐私的
irresponsible1不负责任的
itself1它自己
key1关键的;钥匙
knew1知道(know 过去式)
lab1实验室
latest1最新的
led1导致(lead 过去式)
legislation1立法
letting1让(动名词)
levels1水平(复数)
liberties1自由(复数)
likely1可能的
limitations1局限(复数)
limited1有限的
linked1关联的
little1少的;小的
look1看;显得
looking1寻求(looking for)
lot1大量
low1低的
machine1机器
maintain1维持
maximal1最大的
means1手段;意味着
mental1心理的
messaging1通讯(动名词)
metal1金属
method1方法
microchips1微芯片(复数)
microphones1麦克风(复数)
million1百万
mimic1模仿
minimize1尽量减少
missed1错过(过去分词)
model1模型;型号
monetize1变现
monitor1监测
mutual1相互的;共同的
myriad1无数的
name1名字
news1消息
non-traditional1非传统的
now1现在
numbers1数量(复数)
obligation1义务
obliged1有义务的
observations1观测(复数)
okay1可以接受
opinion1观点
oppose1反对
opposed1反对的
oppression1压迫
opt1选择
order1顺序;命令;秩序
others1其他人
outperform1表现优于
oxford1牛津
paid1支付(pay 过去式/过去分词)
paper1纸;论文
paragraphs1段落(复数)
participation1参与
parties1各方(复数)
passing1通过(动名词)
pay1支付;薪酬
performing1表现(动名词)
period1时期
person1人
phase1阶段
phase-out1逐步淘汰
phased1逐步(phased out)
philosophical1哲学的
physical1身体的;物理的
pitfalls1陷阱(复数)
plans1方案(复数)
playground1舞台
plays1起(作用)(第三人称单数)
pocket1收获(pocket rewards)
poses1构成(第三人称单数)
positive1积极的
possibility1可能性
possible1可能的
power1权力;力量
powerful1强大的
praised1赞扬(过去式)
preceding1前序的
prepare1准备
presents1提出(第三人称单数)
pretending1假装(动名词)
prevent1防止
prevented1阻止(过去式)
primarily1主要地
privacy1隐私
problem1问题
produced1生产(过去式)
professional1专业的
professor1教授
profitable1有利可图的
programming1编程
promote1促进
prompt1提示
prompted1被提示(过去分词)
properly1正确地
pros1好处(复数)
prospect1前景
proven1证实(过去分词)
proves1证明(第三人称单数)
public-utility1公用事业的
purchases1购买(复数)
purpose1目的
pursued1追求(过去分词)
pushed1推动(过去式)
put1放;使
puts1归咎(puts the blame)
quantity1数量
questioned1质疑(过去式)
radicalization1激进化
radicalizing1使激进化(动名词)
radio-frequency1射频的
random1随机的
range1范围
rarely1很少
rate1比率;速度
rather1相当;宁可
rationed1配给(过去分词)
reasonably1相当地;合理地
recent1最近的
reduce1减少
refers1指代(第三人称单数)
refrain1避免
regularly1经常
regulated1受监管的
regulations1法规(复数)
related1相关的
relatively1相对地
relentless1无情的
remain1保持;仍然
remains1保持(第三人称单数)
remedies1解决办法(复数)
repairs1维修(复数)
replaced1取代(replace 过去式)
reply1回答
requires1需要(第三人称单数)
research1研究
researchers1研究者(复数)
resource1资源
resources1资源(复数)
rest1其余;休息
results1结果(复数)
revenue1收入
revolts1反抗(复数)
revolution1革命
rewards1好处(复数)
rise1上升
run1运行;经营
rural1农村的
rush1涌向
safety1安全
said1说(say 过去式)
say1说
scale1规模
scientific1科学的
scientists1科学家(复数)
sector1行业;部门
seem1似乎
seems1似乎
seen1见过(see 过去分词)
sell1卖
sentence1句子
settling1结(账)(动名词)
sexual1性的
share1分享;份额
sharing1分摊;分享
shopping1购物
shops1商店(复数)
shown1显示(show 过去分词)
silicon1硅
similar1相似的
sit1坐
sitting1坐(动名词)
skeptical1怀疑的
slack1空闲(slack time)
snoop1窥探
society1社会
sold1卖(sell 过去式)
sole1唯一的
sound1听起来;健全的
space1太空;空间
sped1加速(speed 过去式)
speed1速度
spend1花费
spews1吐出(第三人称单数)
squeeze1压榨
squeezing1压榨(动名词)
staged1发动(过去分词)
states1州(复数);状态
steal1窃取
step1一步
stockholm1斯德哥尔摩
stranglechold1(stranglehold 拼写错误)扼制
strikes1闪现(第三人称单数)
stumbling1跌撞(动名词)
substantial1大量的
succeeding1成功(动名词)
success1成功
successful1成功的
suggested1提出(过去式)
suggests1表明(第三人称单数)
summarize1概括
superficial1肤浅的
supervised1受监督的
supporters1支持者(复数)
supposed1被认为的
sure1确定的
susceptible1易受影响的
swhen1(that's when 的 OCR 粘连)那时
systemic1系统性的
talking1谈论(动名词)
task1任务
tasks1任务(复数)
tax1税
tcommunicate1(don't communicate 的 OCR 粘连)沟通
technical1技术的
techniques1技术(复数)
tell1告诉;判断
ten1十
tend1倾向于
tended1往往(过去式)
text1正文
textbook1教科书
theft1盗窃
themselves1他们自己
theories1理论(复数)
thinking1思考
thoughts1思想(复数)
times1时代;次数
titans1巨头(复数)
title1头衔;标题
tone1语调
tool1工具
tools1工具(复数)
total1总的
towards1朝向
track1追踪
traders1交易员(复数)
trained1训练(过去分词)
transactions1交易(复数)
transition1转型
translated1转化(过去分词)
trick1欺骗
troubled1使不安(过去式)
turing1图灵
turn1转变;轮到
types1类型(复数)
typing1打字
understand1理解
understandings1理解(复数)
undetected1未被发现
uniformly1统一地
united1联合的
universally1普遍地
university1大学
unusual1不寻常的
useful1有用的
users1用户(复数)
uses1使用(第三人称单数);用途
utilities1公用事业(复数)
valid1成立的
valley1山谷
vastly1大大地
view1观点;看待;景色
viewing1看待(动名词)
voice1声音
volume1音量
warranties1保证(复数)
ways1方式(复数)
weakness1弱点
week1周
weighed1权衡(过去分词)
word1单词
work1工作;起作用
workmates1同事(复数)
works1作品(复数);起作用
worries1担忧(复数)
worst1最糟的
writer1写作者
wrong1错误的
yield1产量;产出
youtube's1YouTube 的

二、本篇句型与固定表达

2.1 句型模板

结构次数中文
as … as3像……一样
tend to2倾向于
depend on2取决于
it is … that(强调句)1正是……
so … that1如此……以至于
such … that1如此……以至于
the more … the more1越……越……
lead to1导致
contribute to1导致、促成
refer to1指代、提及

2.2 固定表达

短语次数中文
in other words2换言之
rather than1而不是
as long as1只要
so far1目前
hold hostage1挟持
on the rise1兴起

三、原文与译文

篇一|价格体系有多复杂(101–105)

原文 / 译文

¶1

Prices determine how resources are to be used. They are also the means by which products and services that are in limited supply are rationed among buyers. The price system of the United States is a very complex network composed of the prices of all the products bought and sold in the economy as well as those of a myriad of services, including labor, professional transportation, and public-utility services.

译| 价格决定资源如何被使用。它也是把供应有限的产品和服务在买方之间进行配给的手段。美国的价格体系是一张极其复杂的网络,由经济中所有买卖产品的价格,以及无数服务(包括劳动力、专业运输和公用事业服务)的价格构成。

¶2

The interrelationships of all these prices make up the “system” of prices. The prices of any particular product or service are linked to a broad, complicated system of prices in which everything seems to depend more or less upon everything else.

译| 所有这些价格的相互关系,构成了价格的“体系”。任何特定产品或服务的价格,都连接着一个庞大而复杂的价格系统,其中一切似乎都或多或少地依赖其他一切。

¶3

If one were to ask a group of random individuals to define “price”, many would reply that price is an amount of money paid by the buyer to the seller of a product or service or, in other words, that price is the money value of a product or service as agreed upon in a market transaction. This definition is, of course, valid as far as it goes. For a complete understanding of a price in any particular transaction, much more than the amount of money involved must be known.

译| 如果随便找一群人给“价格”下定义,许多人会回答:价格是买方为产品或服务付给卖方的金额;换句话说,价格是市场交易中买卖双方议定的产品或服务的货币价值。这个定义就其本身而言当然成立。但要完整理解任何一笔具体交易中的价格,必须知道的远不止金额。

¶4

Both the buyer and the seller should be familiar with not only the money amount, but with the amount and quality of the product or service to be exchanged, the time and place at which the exchange will take place and payment will be made, the form of money to be used, and the credit terms and discounts that apply to the transaction, guarantees on the product or service, delivery terms, return privileges, and other factors. In other words, both buyer and seller should be fully aware of all the factors that comprise the total “package” being exchanged for the asked-for amount of money in order that they may evaluate a given price.

译| 买卖双方不仅应了解金额,还应了解:所交换产品或服务的数量与质量、交换与付款的时间和地点、使用的货币形式、适用于该交易的赊销条件与折扣、产品或服务的保证、交货条款、退货权利以及其他因素。换言之,买卖双方都应充分了解构成这笔“总包”的所有因素——这些因素共同换取所要求的金额,以便他们评估某一价格。

题目与答案

101. According to the passage, the price system is related primarily to ________.

A. labor and education B. transportation and insurance C. utilities and repairs D. products and services

答案 D|题型:细节|定位:¶1 “products and services… rationed among buyers”|陷阱:价格体系主要关联“产品与服务”

102. According to the passage, which of the following is NOT a factor in the complete understanding of price?

A. Instructions that come with a product. B. The quantity of a product. C. The quality of a product. D. Warranties that cover a product.

答案 A|题型:细节·选非|定位:¶4 列举项:数量、质量、时间地点、货币形式、信用条件、保证|陷阱:原文没提“随产品附带的说明书”

103. In the last sentence of the passage, the word “they” refers to ________.

A. return privileges B. all the factors C. buyer and seller D. money

答案 C|题型:指代(画线词)|定位:¶4 “both buyer and seller should be fully aware… in order that they may evaluate”|陷阱:指代最近的复数主体“买卖双方”

104. The paragraph following the passage most likely discusses ________.

A. unusual ways to advertise products B. types of payment plans for service C. theories about how products affect different levels of society D. how certain elements of price “package” influence its market value

答案 D|题型:推断·下文|定位:¶4 “the total package… evaluate a given price”|陷阱:下文顺着“价格包要素”展开

105. What is the best title for the passage?

A. The Inherent Weakness for the Price System B. The Complexities of the Price System C. Credit Terms in Transactions D. Resource Allocation and the Public Sector

答案 B|题型:主旨·标题|定位:全文:价格体系复杂、相互关联|陷阱:标题=价格体系的复杂性


篇二|无现金经济的利与弊(106–110)

原文 / 译文

¶1

For the past 3,000 years, when people thought of money they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved creased paper or clinking bits of metal. Over the past decade, however, digital payments have taken off. Now this revolution is about to turn cash into an endangered species in some rich economies. That will make the economy more efficient — but it also poses new problems that could hold the transition hostage.

译| 过去三千年,人们想到钱就想到现金。从买食物到结酒吧账单,日常交易都离不开皱巴巴的纸币或叮当作响的金属硬币。然而过去十年,数字支付起飞了。如今这场革命即将让现金在一些富裕经济体成为濒危物种。这会让经济更高效——但也带来可能挟持这场转型的新问题。

¶2

In the main the prospect of a cashless economy is excellent news. When payments dematerialize, people and shops are less vulnerable to theft. Governments can keep closer tabs on fraud or tax evasion. Digitalization vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow. Yet set against these benefits are a bundle of worries. Electronic payment systems may be vulnerable to technical failures, power blackouts and cyber-attacks — this week Capital One, an American bank, became the latest firm to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let governments snoop on people's shopping habits and private titans exploit their personal data.

译| 总体而言,无现金经济的前景是好消息。当支付去物质化,人和店铺更不易遭窃;政府能更密切地监控欺诈与逃税;数字化让小企业和个体经营者能把生意做到境外,极大拓展了他们的舞台;它还创造信用记录,帮助消费者借款。然而与这些好处相对的是一堆担忧:电子支付系统可能遭遇技术故障、停电和网络攻击——本周美国银行 Capital One 就成了最新一家被黑的机构。在无现金经济中,穷人、老人和农村居民可能被落下。而消灭现金这一匿名支付方式、改用数字系统,可能让政府窥探人们的购物习惯,让私人巨头利用个人数据。

¶3

These problems have remedies. First, governments need to ensure that central banks' monopoly over coins and notes is not replaced by private monopolies over digital money. Rather than letting a few credit-card firms have a stranglehold on the electronic pipes for digital payments, governments must ensure the payments plumbing is open to a range of digital firms which can build services on top of it. They should urge banks to offer cheap, instant, bank-to-bank digital transfers between deposit accounts. Second, governments should maintain banks' obligation to keep customer information private, so that the plumbing remains anonymous. Digital firms that use this plumbing to offer services should be free to monetize transaction data, through, for example, advertising, so long as their business model is made explicit to users. Some customers will favor free services that track their purchases; others will want to pay to be left alone.

译| 这些问题有解。第一,政府要确保央行对纸币硬币的垄断不被私人对数字货币的垄断取代。与其让少数信用卡公司扼住数字支付的“电子管道”,政府必须确保支付管道向一系列数字公司开放,让它们在这之上搭建服务;还应敦促银行提供廉价、即时的账户间数字转账。第二,政府应维持银行保护客户信息隐私的义务,使支付管道保持匿名。利用该管道提供服务的数字公司,应可自由地将交易数据变现(例如通过广告),只要其商业模式对用户明示。有些顾客喜欢追踪其消费的免费服务,另一些则愿意付费换取不被追踪。

¶4

Last, the phase-out of cash should be gradual. For a period of ten years, banks should be obliged to accept and distribute cash in populated areas. This will buy governments time to help the poor open bank accounts, educate the elderly and beef up internet access in rural areas. The rush towards digital money is the result of spontaneous demand and innovation. To pocket all the rewards, governments need to prepare for the day when crumpled bank notes change hands for the last time.

译| 最后,现金的退出应当渐进。十年之内,银行应有义务在人口密集地区继续收付现金。这能为政府争取时间,帮助穷人开户、教育老人、加强农村互联网接入。涌向数字货币是自发需求与创新的结果。要收获全部好处,各国政府需要为皱巴巴的钞票最后一次易手的那一天做好准备。

题目与答案

106. What can we learn from the first two paragraphs?

A. Cash has already become an endangered species in rich economies. B. Governments can tackle the problem of fraud by digitalization. C. Digital payments are rarely seen in recent years. D. Electronic payments will bring more efficiency to the economy.

答案 D|题型:细节·推断|定位:¶1 “make the economy more efficient”|陷阱:A 的 already 与 about to 矛盾;C 与 taken off 矛盾

107. Capital One is mentioned in Paragraph 3 to illustrate ________.

A. digital payment systems are susceptible to network attacks B. American banks will become easier to hack C. a digital system could let private giants steal people's data D. country people will be affected in a cashless world

答案 A|题型:例证目的|定位:¶2 “vulnerable to… cyber-attacks — this week Capital One”|陷阱:例子证明电子支付易受网络攻击

108. According to Paragraph 4, governments ought to ________.

A. let credit-card firms control the electronic pipes B. ensure that central banks' monopoly over digital money C. urge banks to offer cheap, instant, bank-to-bank digital transfers D. make sure the payments plumbing is open to all digital firms

答案 C|题型:细节|定位:¶3 “urge banks to offer cheap, instant, bank-to-bank digital transfers”|陷阱:D 的 all 绝对化,原文是 a range of

109. Banks need to accept and distribute cash in populated areas because ________.

A. cash should be quickly phased out B. it will give governments time to help the poor C. it is the result of spontaneous demand D. it will promote digital innovation

答案 B|题型:细节·原因|定位:¶4 “buy governments time to help the poor”|陷阱:保留现金是为政府争取时间

110. Which of the following can best summarize the main idea of the text?

A. How to phase out cash and to build up a cashless world. B. The pros and cons of digital payment and how to tackle its problems. C. The indispensable role of governments and banks in digital payment. D. The possibility of the private monopolies over digital money.

答案 B|题型:主旨|定位:¶2 利弊 + ¶3–4 对策|陷阱:主旨=数字支付的利弊与应对


篇三|职场监控:便利还是压迫(111–115)

原文 / 译文

¶1

Many oppose workplace surveillance, because of the inherent dehumanizing effect it has and the relentless pressure it brings. But it's on the rise around the world as firms look to become more efficient by squeezing more productivity from their workers. More than half of companies with over $750 million in annual revenue used “non-traditional” monitoring techniques on staff last year.

译| 许多人反对职场监控,因为它天生具有去人性化的效果、带来无情的压力。但它在全球兴起,因为公司想通过压榨员工更多产出以提高效率。去年,年收入超过 7.5 亿美元的公司中,超过一半对员工使用了“非传统”监控技术。

¶2

Monitoring employee performance gives firms the ability to assess how their staff are performing and interacting, which can be good for both the firm and employees themselves. A growing number of analytics companies offer this service. They gather “data exhaust” left by employees' email and instant messaging apps, and use name badges equipped with radio-frequency identification devices and microphones. These can check how much time you spend talking, your volume and tone of voice, even if you do not dominate conversations. While this may sound intrusive, exponents argue that it can also protect employees against bullying and sexual harassment.

译| 监控员工表现,让公司能评估员工的绩效与互动,这对公司和员工本身都可能是好事。越来越多的分析公司提供这项服务。它们收集员工电子邮件和即时通讯应用留下的“数据尾气”,并使用装有射频识别设备和麦克风的名牌。这些设备能测出你花多少时间说话、音量和语调,即使你在交谈中并不占主导。这听起来虽侵犯隐私,但支持者认为,它也能保护员工免受欺凌和性骚扰。

¶3

Some of this data analysis can produce unexpected results. For example, it was found that people who sat at 12-person lunch tables tended to interact, share ideas more and outperform those who regularly sat at four-person tables, a fact that would probably have gone undetected without such data analysis.

译| 这类数据分析有时会得出意外结果。例如,研究发现坐在 12 人午餐桌的人往往互动更多、更愿分享想法,表现也优于常坐 4 人桌的人——若没有这类数据分析,这一事实很可能不会被发现。

¶4

Over the last few years a Stockholm co-working space called Epicenter has gone much further and holds popular “chipping parties”, where people can have microchips implanted in their hands. They can use the implants to access electronically-controlled doors, or monitor how typing speed correlates with heart rate. Implanted chips may seem extreme, but it is a relatively small step from ID cards and biometrics to such devices. As long as such schemes are voluntary, there will probably be a growing number of convenience-oriented uses so that a substantial number of workers would opt to have a chip inserted. But if implanted chips are used to reduce slack time or rest breaks, that could prove to be detrimental. And if surveillance tools take away autonomy, that's when they prove most unpopular.

译| 过去几年,斯德哥尔摩一家名为 Epicenter 的共享办公空间走得更远,举办颇受欢迎的“植芯派对”,人们可以在手里植入微芯片。他们可用植入物开启电子门,或监测打字速度与心率的关系。植入芯片看似极端,但从身份证和生物识别到这类设备,只是相对小的一步。只要这类方案是自愿的,便利性用途大概会越来越多,相当一部分员工会选择植芯。但若植入芯片被用来压缩空闲时间或休息,就可能有害。而如果监控工具剥夺了自主权,那正是它们最不受欢迎的时候。

¶5

A lot depends on how such monitoring initiatives are communicated and this could prevent possible revolts being staged. If bosses don't communicate effectively, employees assume the worst. But if they're open about the information they're collecting and what they're doing with it, research suggests 46% of employees are generally okay with it. Although many such monitoring schemes use anonymised data and participation is voluntary, many staffers remain skeptical and fear an erosion of their civil liberties. So workplace surveillance could be empowering for staff and useful for companies looking to become more efficient and profitable. But implemented in the wrong way, it could also become an unpopular tool of oppression that proves counterproductive.

译| 很多事取决于这类监控举措如何沟通,这能防止可能发生的反抗。如果老板沟通不力,员工会往最坏处想。但若他们公开说明收集什么信息、用来做什么,研究表明 46% 的员工总体上可以接受。尽管许多监控方案使用匿名数据、参与自愿,许多员工仍持怀疑态度,担心公民自由被侵蚀。所以,职场监控对员工可能是赋权,对想提高效率与利润的公司可能有用;但若实施不当,也可能变成不受欢迎的压迫工具,适得其反。

题目与答案

111. Why are many people opposed to monitoring employee performance?

A. It puts workers under constant pressure. B. It is universally deemed anti-human by nature. C. It does both mental and physical harm to employees monitored. D. It enables firms to squeeze maximal productivity from employees.

答案 A|题型:细节·原因|定位:¶1 “relentless pressure it brings”|陷阱:D 是公司目的,不是反对理由;B 的 universally 绝对化

112. What is the supporters' argument for workplace surveillance?

A. It enables employees to refrain from dominating conversations. B. It enhances employees' identification with firms they work in. C. It can alert employees to intrusion into their privacy. D. It can protect employees against aggressive behavior.

答案 D|题型:细节·观点|定位:¶2 “protect employees against bullying and sexual harassment”|陷阱:支持者认为可防欺凌等攻击行为

113. What does the author want to show by the example of different numbers of people interacting at lunch tables?

A. Data analysis is key to the successful implementation of workplace surveillance. B. Analyzing data gathered from workers can yield something unexpected. C. More workmates sitting at a lunch table tend to facilitate interaction and idea sharing. D. It is hard to decide on how many people to sit at a lunch table without data analysis.

答案 B|题型:例证目的|定位:¶3 “a fact that would probably have gone undetected”|陷阱:例子说明数据分析能发现意外结果

114. What does much of the positive effect of monitoring initiatives depend on?

A. How frequently employees are to be monitored. B. What specific personal information is being excluded. C. What steps are taken to minimize their detrimental impact. D. How well bosses make known their purpose of monitoring.

答案 D|题型:细节·归纳|定位:¶5 “depends on how such monitoring initiatives are communicated”|陷阱:效果取决于沟通是否到位

115. What concern do monitoring initiatives cause among many staffers?

A. They may empower employers excessively. B. They may erode the workplace environment. C. They may infringe upon staffers' entitled freedom. D. They may become counterproductive in the long run.

答案 C|题型:细节·担心|定位:¶5 “fear an erosion of their civil liberties”|陷阱:担心公民自由被侵蚀


篇四|AI 的风险与人类的独特性(116–120)

原文 / 译文

¶1

“Progress in AI is something that will take a while to happen, but that doesn't make it science fiction,” said Stuart Russell, the University of California computing professor and co-author of the top AI textbook. The science of AI is a human enterprise that requires social limitations. The risks, however, are not being properly weighed.

译| “AI 的进展需要时间,但这不意味着它是科幻,”加州大学计算机教授、顶级 AI 教材合著者斯图尔特·拉塞尔说。AI 科学是人类的事业,需要社会约束。然而,其风险并未得到恰当权衡。

¶2

There are two emerging approaches to AI. The first is to view it in engineering terms, where algorithms are trained on specific tasks. The second presents deep philosophical questions about the nature of human knowledge. The former is very much pushed by Silicon Valley, where AI is deployed to get products quickly to market and problems dealt with later. This has led to AI “succeeding” even when the goals aren't socially acceptable and they are pursued with little accountability. The pitfalls of this approach are highlighted by the role YouTube's algorithm plays in radicalizing people, given that there is no public understanding of how it works. Prof. Russell argues, reasonably, for a system of checks where machines can pause and “ask” for human guidance, and for regulations to deal with systemic biases. The academic also backs global adoption of EU legislation that would ban impersonation of humans by machines.

译| AI 正浮现两条路径。第一条是从工程角度看待它:算法在特定任务上训练。第二条则提出关于人类知识本质的深层哲学问题。前者在硅谷被大力推动——AI 被用来把产品快速推向市场,问题以后再处理。这导致 AI 即使目标不被社会接受、执行中缺乏问责,也算“成功”。YouTube 算法在使人激进化中扮演的角色,凸显了这条路径的陷阱——公众根本不知道它如何运作。拉塞尔教授有理有据地主张建立制衡机制:机器可以暂停并“询问”人类指导;还主张用监管应对系统性偏见。他还支持全球采纳欧盟立法,禁止机器冒充人类。

¶3

Computers are getting closer to passing, in a superficial way, the Turing test — where machines attempt to trick people into believing they are communicating with other humans. Yet human knowledge is collective: to truly fool humans a computer would have to be able to grasp mutual understandings. OpenAI's GPT-3, probably the best non-human writer ever, cannot comprehend what it spews. When Oxford scientists put it — and similar AIs — to the test this year, they found the machines produced false answers to questions that “mimic popular misconceptions and have the potential to deceive”. It so troubled one of OpenAI's own researchers that no one knew how such language is being made that he left to set up an AI safety lab.

译| 计算机正以肤浅的方式接近通过图灵测试——机器试图让人相信自己是在与人交流。但人类知识是集体的:要真正骗过人类,计算机必须能把握相互理解。OpenAI 的 GPT-3 大概是有史以来最好的非人类写作者,却无法理解自己吐出的内容。今年牛津科学家对它及类似 AI 进行测试,发现机器会对“模仿流行误解、具有欺骗潜力”的问题给出错误答案。这让 OpenAI 自己的一位研究者深感不安——因为没人知道这种语言是如何生成的——他离职创办了一个 AI 安全实验室。

¶4

Some argue that AI can already produce new insights that humans have missed. But human intelligence is much more than an algorithm. Inspiration strikes when a brilliant thought arises that can't be explained as a logical consequence of preceding steps. Einstein's theory of general relativity cannot be derived from observations of that age — it was experimentally proven only decades later. Human beings can also learn a new task by being shown how to do it only a few times. Machines, so far, cannot. Currently, AI can be prompted — but not prompt itself — into action. Humans are stumbling into an era when the more powerful the AI system, the harder it is to explain its actions. How can we tell if a machine is acting on our behalf and not acting contrary to our interests? Such questions ought to give us all pause for thought.

译| 有人主张 AI 已能产生人类错过的新洞见。但人类智能远不止算法。灵感闪现时,那个绝妙想法无法被解释为前序步骤的逻辑结果。爱因斯坦的广义相对论无法从当时的观测推导出来——它直到几十年后才被实验证实。人类还能只看几次示范就学会新任务,机器至今做不到。目前,AI 可以被提示——但不能自我提示——才行动。人类正跌跌撞撞进入一个时代:AI 系统越强大,其行为越难解释。我们如何判断机器是在为我们行事,而不是违背我们的利益?这样的问题应当让我们所有人停下来想一想。

题目与答案

116. According to Paragraph 1 and Paragraph 2, Stuart Russell ________.

A. suggested social control on AI B. denied the imminence of AI progress C. praised AI science for its great success D. had a low opinion of AI for its potential risks

答案 A|题型:细节·观点|定位:¶1 “requires social limitations”|陷阱:拉塞尔主张社会约束,不是否认进展

117. The approach of viewing AI in engineering terms has ________.

A. questioned the nature of human knowledge B. contributed to socially irresponsible algorithms C. prevented the algorithmic radicalization D. sped up the market entry of quality products

答案 B|题型:细节·推断|定位:¶2 “succeeding even when goals aren't socially acceptable… little accountability”|陷阱:工程化路径导致不负责任的算法

118. According to Prof. Russell, machines ________.

A. should be banned from pretending to be humans B. are especially helpful to counter social biases C. might get uniformly regulated at a global scale D. are not supposed to be supervised by humans

答案 A|题型:细节·观点|定位:¶2 “ban impersonation of humans by machines”|陷阱:他主张禁止机器冒充人类

119. What does the author say about OpenAI's GPT-3?

A. Its language is impossible to understand. B. It is non-human but can truly fool humans. C. Its programming is based on misconceptions. D. It is intelligent but cannot comprehend words.

答案 D|题型:细节·判断|定位:¶3 “cannot comprehend what it spews”|陷阱:GPT-3 能写但不理解

120. Einstein's theory of general relativity is mentioned to show that ________.

A. AI-produced insights can be complementary to human thoughts B. machines are comparable to humans in terms of logical thinking C. human intelligence can hardly be translated into an algorithm D. brilliant scientific ideas always come way ahead of their time

答案 C|题型:例证目的|定位:¶4 “cannot be derived from observations… only decades later”|陷阱:例子说明人类智能难以转成算法