【英語四級考試寫作試題】

　　Directions : For this part, you are allowed 30 minutes to write a short essay entitled Mobile Payment following the outline given below. You should write at least 120 words but no more than 180 words.

　　1. 現(xiàn)在移動支付(手機支付)已經(jīng)成為一種時尚;

　　2. 移動支付有很多好處，但也有安全隱患;

　　3. 我的建議。

　　【參考答案】

　　Mobile Payment

　　Driven by the explosive growth of online shopping as well as Internet financial services, mobile payment is becoming more and more popular. It is believed that a majority of you have benefited from mobile payment apps such as Alipay and Wechat payment.

　　Mobile payment is both fast and convenient. It allows users to make instant online, in-store and vending machine payments, and generally go about their daily lives without needing to carry cash or a physical wallet. As for businesses, especially small businesses, mobile payment enable them to keep thier operating costs low, increase sales volume, and give their customers the convenient experience and payment flexibility to compete with larger retailers. Despite all the advantages presented above, mobile payment systems are prone to fraud. If the users’ personal and financial information falls into the possession of fraudsters, then they can defraud the users of their money.

　　Therefore, high security risk is the key factor users should take into consideration when making mobile payments. They should pay attention to carefully protect their payment accounts and passwords. Meanwhile, governments should develop a supportive regulatory environment in order to effectively manage the potential risks.

　　點評：

　　移動支付的快速發(fā)展給人們的生活帶來了便捷，人們甚至不用帶現(xiàn)金和錢包出門，只要將智能手機上的支付APP打開，經(jīng)過簡單的程序就能完成各類支付。但是與此同時，移動支付對支付的安全提出了更高的要求。伺機已久的黑客們也抓住這一新興產(chǎn)業(yè)的漏洞，將手伸進人們的“移動口袋”里。因此，用戶在使用過程中應(yīng)保持高度警惕，另外，政府部門也應(yīng)該提升相關(guān)的監(jiān)管力度。文章第一段指出移動支付盛行這一現(xiàn)象;第二段分析了移動支付的利弊;第三段作者結(jié)合自己的觀點提出建議。

　　Alipay和Wechat payment都是手機支付的常用APP，分別指支付寶和微信支付;go about one’s daily lives意為“忙于日常生活”; be prone to sth.意為“易于受……的影響;有……的傾向”;fall into the possession of sb.意為“被某人占有; 落入某人手中”;fraudster意為“行騙者”;defraud sb. of sth.意為“從某人處騙取某物”;high security risk意為“高度的安全風險”;take sth. into consideration意為“考慮到，顧及”;payment accounts and passwords意為“支付賬號和密碼”。supportive regulatory environment意為“有力的監(jiān)管環(huán)境”。

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