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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  36
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 withthird 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 细节题。根据题干关键词successfully implement PSD2定位到第四段的“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。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)”意思相反，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。
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