15．（10分）
Beyond Mobile Money： The Future of Asia's FinTech
Mobile money has been the hottest part in financial technology for the last few years． But FinTech is more than just how people store money and transact（交易）﹣ the space is much more horizontal， shortcutting how we create， share， and protect value．
The latest product of FinTech companies to （1） B in Asia Pacific illustrates the many ways the space can help consumers beyond just their mobile wallet． It is important for all businesspersons to be aware of these trends， as their success opens up all sorts of possibilities for companies to （2） E with them． And， on a much deeper level， new FinTechs may （3） G consumer expectations in even other tech industries．
The Smartphone Emerges as a Credit﹣Scoring Standard
With close to half a billion （4） K consumers in Southeast Asia alone， there is an entire industry of FinTechs devoted to finding ways to accurately determine their credit﹣worthiness to give them （5） A to finance． Unfortunately， since they don't have bank accounts， such FinTechs cannot rely on （6） J financial information or credit card payments．
One credit scoring source emerging as a new standard in the field is smartphone﹣based credit scoring． It has （7） H broad global support， including from the likes of the World Bank． In one of its reports， the Asian Development Bank even stated that mobile data was a key to financial （8） C ， as it could improve customer recording， and， in turn， get an access to credit．
AI Combines with the Wisdom of the Crowd
The most common slogan in today's tech headlines is the "artificial intelligence"． Readers are fascinated with how AI has the （9） F to transform every consumer and enterprise （企业） industry． While such focus is appropriate that AI will （10） D change the world， it leaves out a crucial element that will go hand﹣in﹣hand with its rise： the wisdom of the crowd．
【分析】本文是一篇说明文，主要介绍了亚洲金融科技的未来．在过去的几年里，移动货币一直是金融技术中最热门的部分，但金融科技不仅仅是人们如何存储货币和交易．
【解答】1﹣5 BEGKA 6﹣10 JHCFD
1．B 考查上下文理解以及推理判断能力．句意：亚太地区金融科技公司的最新产品表明，除了手机钱包外，该领域还可以通过多种方式帮助消费者．arise发生，产生；故选B．
2．E 考查上下文理解以及推理判断能力．句意：因为他们的成功为公司提供了各种合作机会．partner 合作伙伴；故选E．
3．G 考查上下文理解以及推理判断能力．句意：新的Fintech可能会影响其他科技行业的消费者预期．shape 形状；故选G．
4．K 考查上下文理解以及推理判断能力．句意：仅在东南亚，就有近5亿无银行客户，unbanked非银行的；故选K．
5．A 考查上下文理解以及推理判断能力．句意： 整个金融科技行业致力于寻找方法，准确地确定他们的信用价值，让他们获得融资．access方法；故选A．
6．J 考查上下文理解以及推理判断能力．句意：此类金融科技公司不能依赖传统的财务信息或信用卡支付．traditional传统的；故选J．
7．H 考查上下文理解以及推理判断能力．句意：它刺激了包括世界银行在内的全球广泛支持． stimulated刺激；故选H．
8．C 考查上下文理解以及推理判断能力．句意：亚洲开发银行（Asian Development Bank）在一份报告中甚至表示，移动数据是金融依恋的关键，因为它可以改善客户录制并转为获取信贷．attachment依恋；故选C．
9． F 考查上下文理解以及推理判断能力．句意： 读者对人工智能如何有潜力改变每一个消费者和企业"20225年"、"19994年"的行业感到着迷．potential；故选F．
10．D 考查上下文理解以及推理判断能力．句意：虽然这样的关注是恰当的，人工智能肯定会改变世界"，但它遗漏了一个关键因素，这将与它的提高群众的智慧．definitely确定；故选D．
【点评】阅读填空题主要考查学生语言运用能力，可以理解为阅读理解题的另一种形式．阅读填空题要求学生阅读后按照自己的理解进行填空，即用自己的语言来转述原文内容，侧重于考查学生的阅读理解和写作能力．阅读填空题的能力要求在阅读理解题之上、书面表达题之下．其选材主要是注意使用性的说明文和应用文．从形式上看，阅读填空题是阅读理解题的一种形式，但实质上却属于信息收集整理和再创作的语言应用题．
| A． access B． arise C． attachment D． definitely E． partner F． potential G． shape H． stimulated I．subconsciously J．traditional K． unbanked |
Mobile money has been the hottest part in financial technology for the last few years． But FinTech is more than just how people store money and transact（交易）﹣ the space is much more horizontal， shortcutting how we create， share， and protect value．
The latest product of FinTech companies to （1） B in Asia Pacific illustrates the many ways the space can help consumers beyond just their mobile wallet． It is important for all businesspersons to be aware of these trends， as their success opens up all sorts of possibilities for companies to （2） E with them． And， on a much deeper level， new FinTechs may （3） G consumer expectations in even other tech industries．
The Smartphone Emerges as a Credit﹣Scoring Standard
With close to half a billion （4） K consumers in Southeast Asia alone， there is an entire industry of FinTechs devoted to finding ways to accurately determine their credit﹣worthiness to give them （5） A to finance． Unfortunately， since they don't have bank accounts， such FinTechs cannot rely on （6） J financial information or credit card payments．
One credit scoring source emerging as a new standard in the field is smartphone﹣based credit scoring． It has （7） H broad global support， including from the likes of the World Bank． In one of its reports， the Asian Development Bank even stated that mobile data was a key to financial （8） C ， as it could improve customer recording， and， in turn， get an access to credit．
AI Combines with the Wisdom of the Crowd
The most common slogan in today's tech headlines is the "artificial intelligence"． Readers are fascinated with how AI has the （9） F to transform every consumer and enterprise （企业） industry． While such focus is appropriate that AI will （10） D change the world， it leaves out a crucial element that will go hand﹣in﹣hand with its rise： the wisdom of the crowd．
【分析】本文是一篇说明文，主要介绍了亚洲金融科技的未来．在过去的几年里，移动货币一直是金融技术中最热门的部分，但金融科技不仅仅是人们如何存储货币和交易．
【解答】1﹣5 BEGKA 6﹣10 JHCFD
1．B 考查上下文理解以及推理判断能力．句意：亚太地区金融科技公司的最新产品表明，除了手机钱包外，该领域还可以通过多种方式帮助消费者．arise发生，产生；故选B．
2．E 考查上下文理解以及推理判断能力．句意：因为他们的成功为公司提供了各种合作机会．partner 合作伙伴；故选E．
3．G 考查上下文理解以及推理判断能力．句意：新的Fintech可能会影响其他科技行业的消费者预期．shape 形状；故选G．
4．K 考查上下文理解以及推理判断能力．句意：仅在东南亚，就有近5亿无银行客户，unbanked非银行的；故选K．
5．A 考查上下文理解以及推理判断能力．句意： 整个金融科技行业致力于寻找方法，准确地确定他们的信用价值，让他们获得融资．access方法；故选A．
6．J 考查上下文理解以及推理判断能力．句意：此类金融科技公司不能依赖传统的财务信息或信用卡支付．traditional传统的；故选J．
7．H 考查上下文理解以及推理判断能力．句意：它刺激了包括世界银行在内的全球广泛支持． stimulated刺激；故选H．
8．C 考查上下文理解以及推理判断能力．句意：亚洲开发银行（Asian Development Bank）在一份报告中甚至表示，移动数据是金融依恋的关键，因为它可以改善客户录制并转为获取信贷．attachment依恋；故选C．
9． F 考查上下文理解以及推理判断能力．句意： 读者对人工智能如何有潜力改变每一个消费者和企业"20225年"、"19994年"的行业感到着迷．potential；故选F．
10．D 考查上下文理解以及推理判断能力．句意：虽然这样的关注是恰当的，人工智能肯定会改变世界"，但它遗漏了一个关键因素，这将与它的提高群众的智慧．definitely确定；故选D．
【点评】阅读填空题主要考查学生语言运用能力，可以理解为阅读理解题的另一种形式．阅读填空题要求学生阅读后按照自己的理解进行填空，即用自己的语言来转述原文内容，侧重于考查学生的阅读理解和写作能力．阅读填空题的能力要求在阅读理解题之上、书面表达题之下．其选材主要是注意使用性的说明文和应用文．从形式上看，阅读填空题是阅读理解题的一种形式，但实质上却属于信息收集整理和再创作的语言应用题．
