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1、UNIT TWELVETEXT ONEThe idea that mobile phones bring economic benefits is now widely accepted. In places with bad roads, few trains and parlous land lines, they substitute for travel, allow price data to be distributed more quickly and easily, enable traders to reach wider markets and generally ease
2、 the business of doing business. Leonard Waverman of the London Business School has estimated that an extra ten mobile phones per 100 people in a typical developing country leads to an extra half a percentage point of growth in GDP per person. To realise the economic benefits of mobile phones, gover
3、nments in such countries need to do away with state monopolies, issue new licences to allow rival operators to enter the market and slash taxes on handsets. With few exceptions (hallo, Ethiopia), they have done so, and mobile phones are now spreading fast, even in the poorest parts of the world.As m
4、obile phones have spread, a new economic benefit is coming into view: using them for banking, and so improving access to financial services, not just telecoms networks. Pioneering m-banking projects in the Philippines, Kenya and South Africa show the way. These “branchless” schemes typically allow c
5、ustomers to deposit and withdraw cash through a mobile operators airtime-resale agents, and send money to other people via text messages that can be exchanged for cash by visiting an agent. Workers can then be paid by phone; taxi-drivers and delivery-drivers can accept payments without carrying cash
6、 around; money can be easily sent to friends and family. A popular use is to deposit money before making a long journey and then withdraw it at the other end, which is safer than carrying lots of cash. There is no need to set up a national network of branches or cash machines. M-banking schemes can
7、be combined with microfinance loans, extending access to credit and enabling users to establish a credit history. Some schemes issue customers with debit cards linked to their m-banking accounts. All this has the potential to give the “unbanked” masses access to financial services, and bring them in
8、to the formal economy.What can governments do to foster m-banking? As with the spread of mobile phones themselves, a lot depends on putting the right regulations in place. They need to be tight enough to protect users and discourage money laundering, but open enough to allow new services to emerge.
9、The existing banking model is both over- and under-protective, says Tim Lyman of the World Bank, because “it did not foresee the convergence of telecommunications and financial services.”In many countries only licensed banks are allowed to collect deposits. Even if a mobile operator forms a partners
10、hip with a bank, its agents may have to comply with banking rules covering everything from the height of the counter to the installation of alarms. Financial institutions may have to provide detailed statements to the central bank every week, which is tricky for organisations with agents in remote a
11、reas. Some countries have rigid rules on the documents demanded of anybody opening an account, which excludes many.1. The following are advantages of economic services through mobile phones except that_A price data can be distributed quicky and easily.B traders can extend their market. C doing busin
12、ess is more convenient.D the growth of GDP per person can be greatly promoted. 2.Which one of the following statements is TURE of the m-banking schemes? A They can prevent safer services than the traditional banking.B They could provide the customers with credit services C They have been experimente
13、d in some developing countrie.D They could encourage people to use fiancial services3. The word “convergence” (Line 5, Paragraph 4) most probably means_A conversation. B combination.C similarity.D exchange.4.Towards m-banking, the governments attitudes can be said to be_ A supportive.B opposing. C i
14、ndifferent. D unclear.5. The best title of this passage can be_ A Economic Benefits Brought by Mobile Phone.B M-bankingMarriage of Mobile Phone and Banking. C Mobile Phone Used for Banking. D The Pioneering M-banking Schemes.文章剖析：这篇文章介绍了移动电话的新型银行业务。第一段讲述移动电话带来的经济利益；第二、三段讲述利用移动电话的一种新的银行业务；第四、五段讲述目前的银
15、行法令法规对这种移动银行新业务的限制。词汇注释:parlous n. 危险的 debit n. 借方convergence n. 汇聚，会合 难句突破：（1） These “branchless” schemes typically allow customers to deposit and withdraw cash through a mobile operators airtime-resale agents, and send money to other people via text messages that can be exchanged for cash by visit
16、ing an agent.主体句式These schemes allow customers to, and send money to结构分析 这是一个复合句，谓语是并列的两个动词结构，后面的结构中that引导的定语从句用来修饰前面的text messages。句子译文 这些“无行”方案允许顾客通过移动运营商的空中转售代理商来存取现金，也可以通过文本信息把钱支付给对方，对方只需找到代理商就可以换成现金。（2） Even if a mobile operator forms a partnership with a bank, its agents may have to comply with banking rules coverin
