2024年全国银行招聘之银行招聘综合知识考试冲刺押宝题附答案806

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一、选择题

1、资料：THOMASWILSON

15SpringDrive

Sometown,Wl53205

Home:(555)555-55551tw@

AdministrativeAssistant

Fouryearsofexperienceprovidingtop-notchsupporttoVPs,directorsandmanagers

•Administrative:Adeptlyhandleadministrativemattersincludingscreeningcalls,managing

calendars,planningmeeting,makingtravelarrangements,composingdocumentsandorganizing

officesforefficiency.

•Communications:Interactprofessionallywithalllevelsofstaffandmaintainthehighestlevelof

confidentiality,knownfortactanddiplomacyinhandlingsensitiveissues.

•Computers:Considereda"poweruser"ofMicrosoftOffice;quicklylearnandmasternew

technology.

EXPERIENCE

凶密ABCCOMPANY-Sometown,OR

封

线AdministrativeAssistant,2C09toPresent

ProvideadministrativesupporttotheinvestmentbankinggroupVPandfiveofherdepartment

directors.Answertelephonesandpromptlyandcourteouslyassistclientsandemployees

throughouttheorganization.Maintaincalendars,coordinatingextensiveappointments,meetings

anddomestic/internationaltravel.

•OfficeManagement:Overhauledrecordkeepingsysterrifrommanualtocomputer-based,

creatingauser-friendlyandsystematicinformationmanagementsystemandreducing

data-retrievaltime.

•TravelLogisticsManagement:Coordinateabusytravelcalendarthatincludessixinternational

symposiumsannually,ensuingalleventsaresuccessfullyexecuted.

•CustomerRelationshipManagement:TappedIntothepowerofPeopleSoftCRMAnalyticsto

恬

tracktheeffectivenessofleads,marketinginitiativesandrevenues.Generatedreportsthat

assisteduppermanagementwithdecisionmakingandweredistributedto200+employees

departmentwide.

TEMPORARYAGENCYASSIGNMENTS-Sometown,OR

AdministrativeAssistant,2C08to2009

AssignedbyDEFTemporaryAgencyandGHITemporaryAgencytoserveinadministrativesupport

rolesforclientsininvestorrelations,hightech,healthcareandrealestatesectors.

•HittheGroundRunning:Learnedorganizationalprocesses,policiesandprocedureswith

minimalramp-uptime.SuccessfullycompletedadministrativeassignmentsforABCCo.,JKLCo.,

MNOCo.andPQRCo.

•ServiceFocus:Adaptedtodiverseworkstylesandconsistentlyprovidedfriendly,personable

service.

•ExcellentPerformance:Offeredfull-timepositionattheconclusionoftemporaryassignmentat

ABCCo.

EDUCATION

ABCTRAININGACADEMY-Sometown,OR

CertificateinOfficeManagement,2009

Completed45-creditcertificateprogram.Focusedonousinessdataprocessing,software

applications,basicaccounting,businesscommunicationsandbusinesslaw.

WhichofthefollowingisNOTThomas'dutyatABCCompany?

A.ProvidesupporttotheinvestmentbankinggroupVP

B.Answertelephone

C.Maintaincalendars

D.Assistvisitors

2、下列选项中不属于存货范围的是（）o

A.委任加工的存货

B.购货单位已交款并已经开出提货单，但尚未提走的货物

C.尚在加工中的产品

D.款项已支付，但尚未运达企业的存货

3、资料：Didyourchild'sbrainshrinklastsummer?Probablynot,butitmayhaveshiftedinto

reverse,accordingtoastudybyDr.HarrisCooper;professorofpsychologyattheUniversityof

Missouri-Columbia.Thestudyfoundthatwhenstudentsreturntoschoolafteralongsummer

vacation,they'velostonetothreemonthsworthoflearning.

Thedeclineismoredetrimentalformaththanitisforreading."Allstudentslosemathskills,"

saysCooper.Itmaybebecausecommunityandhomeenvironmentsgivekidsmoreopportunities

topracticereadingthanmath.Thestudyalsofoundthatincomehasanimpactonhowmucha

studentlosesorgainsinreading.Middle-classchildrenactuallygainedinreadingoverthe

summer;whilelower-incomestudentsexperiencedlosses.Cooperattributesthistcthe

enrichmentactivitiesthatmanymiddle-classkidsparticipateinoverthesummer,suchascamp

andtrips.

Yourkidsdon'thavetospendthesummerstuckinreverse."Parentscanhelptheirkidsretain

educationalskills,"saysCooper.Hesuggeststhefollowingfivetipstokickoffalearning-filled

summer.

1.Keeplotsofbooksaroundandmakeregulartripstothelibrary.Mostlibrariesschedulespecial

summereventsforkids.Signupyourfamily!

2.Thinkaboutwhatyourkdsmaybelearningnextyearwhenyouplanthefamilyvacation.Talk

withteacherstofindoutwhatthey'llbecoveringinclass.Ifit'saunitonthecivilwarforexample,

youmaywanttoscheduleavisittoGettysburg.Ifit'sgeology,visitanationalpark.

3.Keepmathinmind.Sincekidslosemoremathskillsthananythingelseoverthesummer,tryto

dosomespecialplanningtofindmath-relatedactivities.Forexample,ifyoucan'tdecidewhether

tosignyourchildupfor"Shakespeare'sTheater"or"MathMagic"atthelocalcommunitycenter,

gowiththemath.

4.Considersummerschoolortutoring.Strugglingkidscangetalotofdifferentkindsofhelp

fromtheseprograms.Summerschoolcanalsoenrichandacceleratelearninginareaswherekids

showaspecialinterest.

5.Callthecurriculumcoordinatorinyourchild'sschooldistrict,visittheschoolboardoffice,or

contacttheschoolsofeducationatlocalcollegesanduniversitiestofindoutwhateducational

programswillbeofferedinyourareaoverthesummer.

Remembertokeepitfun!Youdon'twanttosouryourkidsonlearningduringthesummerbreak.

Whyisdeclineworseformaththanitisforreading?()

A.Becausethecommunityhavethelibraries

B.Becauseathometheparentswillmakekidsreadingmors

C.Becauseinsummervacationkidshavemoretimeinreading

0.Becausecommunityanchomegivekidsmoreopportunitiestoread

4、1011BH是()。

A.表示一个二进制数

B.表示一个十六进制数

C.表示一个十进制数

D.一个错误的表示

5、下列对我国在高科技领域说法不正确的是()。

A.发展航天事业可以促进我国经济的发展

B.高科技的竞争是综合国力竞争的实质

C.高科技的竞争仅是国力竞争的一方面，综合国力竞争的实质是军事力量

D.航天事业的发展，能够增强民族凝聚力

6、Sheneverforgavehimfor___hedidher.Neithercouldheridhimselfofthefeelingofguiltfor

havingtreatedherthatway.

A.wronging

B.awrong

C.wrong

D.thewrong

7^资卷I■:Business,academicandcivicleadersinCambridgehavewarnedthatoneofBritain's

majoreconomicgrowthcitiesisunderthreatunlessthegovernmentactsquicklytorestoretrust

cameupwithsomethingalongthelinesoftheirexistingproductforthethePC,butanother

teamofoutsiders(fromajust-acquiredfirm)cameupwithWeixin.WhenTencentlaunchedthe

newappjtmadeiteasyforQQ'userstotransfertheircontactsovertothenewapp.

Anotherstrokeofbrilliancecametwoyearsagowhentheservicelauncheda"red

packet^campaigninwhichWeChatuserswereabletosenddigitalmoneytofriendsandfamilyto

celebrateChineseNewYearratherthansendingcashinaredenvelope,asiscustomary.Itwas

cleverofthefirmtoturndutifulgift-givingintoanexcitinggame,notesConnieChanof

AndreessenHorowitz,aVCfirm.Italsoencourageduserstobindtogetherintosendmoney,

ofteninrandomizedamounts.

Whichofthefollowingismentionedinparagraphone?

A.Onthemainland,mobiledevicescostalot

B.TextmessagesarelessexpensivethanmessagingappinAmerica

C.Chinesepeoplelikemessagingappsmorethantextmessages

0.Americanmessagingappsarenotfree

10、资格I•:Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.

Banksenjoyamonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition,Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless,someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatebeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattacks(网络攻击).Andthe

solutionsthattheEuropeanregulatorsproposetodealwitntheseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreakthe

rules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarketevolves.

Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivitiessuchas

lendingmoneyitmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary.

WhatcanbeinferredfrompassageontheeffectsofPSD2inthesecondparagraph?

A.Customersaremorelikelytoenjoymoreinnovativeservices

B.Peoplewillnolongergotobankstodeposittheirmoney

C.Serviceprovidersdonotwanttopartnerwithbanks

0.Peoplewillreceivemorepension

11、资料：Britainisfacinga“crisisoffatherlessnessMinwhichalmosthalfofallchildrenborn

todaywillnotbelivingwithbothparentsbythetimetheyare15,thenewchiefexecutiveofthe

thinktankfoundedbylainCuncanSmithhaswarned.

AndyCook,whorunstheCentreforSocialJustice,whichischairedbytheformercabinetminister;

arguedthatregularcontactwithafatherfigurereducedcriminalbehaviorinchildrenand

boostedcognitiveskillsincludingreasoningandlanguagedevelopment.

Cookclaimedtherewastoomuchofa“throwawayculture**toparenting,adding:/zOverthelast

40years,themeteoricriseinfamilybreakdownhasblighted（损害）thelivesofthepoorest

childrenthemost.Therelationshipchildrenhavewiththeirfathersaffectstheirself-esteem,how

welltheydoatschool,evenwhethertheyareabletoformhappy,long-lastingrelationshipsas

adults.”

Cooksaiditwasinevitablethatrelationshipswouldnotalwaysworkout,butarguedtnata

cultureshiftcouldreducetheprevalenceoffamilybreakdown,andstressedtheimportanceof

parentingoncecoupleshadseparated/Weneedasocietalshiftinperspectivefromregarding

fathersasadispensableextratorecognizingtheirvalueasacrucialpillarinachild'slife."hesaid.

Cookarguedpolicyoughttobefocusedonlonger-termthinking,andemphasizingthepotential

impactonchildrenoftroubledrelationships,stressingthedisproportionateeffectonthepoorest.

Histhinktank'sfiguresshowthatbytheageoffive48%ofchildreninlow-incomefamiliesarenot

livingwithbothparents,comparedwith16%ofchildreninmiddle-tohigher-incomefamilies.

Hesaidhisworkwouldalsofocusonfourotherfactorsthatcontributedtopoverty:educational

failure,worklessness,problemdebtandaddiction.Lookingonlyatincomelevelsskewedpolicy,

headded.Despitecontroversyintheeducationsectoraboutthegrowthofgrammarschools,

Cookarguedthattherewasevidencetheycouldbesuccessfulifheadteacherstriedtofindthe

mosttalentedchildrenfrompoorerfamilies.

TheformerchiefexecutiveoftheCentreforSocialJustice,ChristianGuy,whobecamethePM's

povertyadviser,saidthehopeofthepreviousstrategywasto“startaparenting

revolutionfortoolongpoliticianslookedawayasfamilyinstabilityandpoorchild

developmentblightedlivesinthepoorestneighbourhoodsz7zParentswantwhat'sbestfortheir

children,butgreatadvicetendstobethepreserveofthebetteroff.Thishastochangeifwe

wanttoseechildrenstartingschoolreadytoleadtocommunicateandforminghealthy

relationships^

Itiswidelybelievedthatfathers.

A.tendtooverlooktheimportanceofparenting

B.helptopreventchildrenfromcommittingacrime

C.arenotindispensableinthegrowthoftheirchildren

D.improvekidszdevelopmentofcognitiveskills

12、不属于资产管理理论基础的是（）。

A.商业性贷款

B.转移理论

C.预期收入理论

D.经营管理理论

13、Passage2

Merchantandpassengersnipsaregenerallyrequiredtohavealifepreserverforeveryperson

aboardandinmanycases,acertainpercentageofsmallersizesforchildren.AccordingtoUnited

Statesrequirementsjifepreserversmustdesign,reversiblecapableofbeingquicklyadjustedtofit

theuninitiatedindividual,andmustbesodesignedastosupportthewearerinthewaterinan

uprightorslightlybackwardposition.

SufficientbuoyancyO孚力）tosupportthewearershouldberetainedbythelifepreserverafter48

hoursinthewater;anditsnouldbereliableevenafterlongperiodofstorage.Thusitshouldbe

madeofmaterialsresistanttosunlight,gasoline,andoils,anditshouldbenoteasilysetonfirs.The

positioninwhichthelifepreserverwillsupportapersonwhojumpsorfallsintothewateris

mostimportant,asisitstendencytoturnthewearerinthewaterfromaface-downpositionto

anuprightorslightlybackwardposition,withhisfaceclearofthewatecevenwhentheweareris

exhaustedorunconscious.

Themethodofadjustmenttothebodyshouldbesimple,andself-evidenttouninitiatedpersons

eveninthedarkundertheconfusedconditions,whichfollowadisaster.Thus,thelifebereversible

thatitisnearlyimpossibletogetitonwrong.Catches,$traps,andtiesshouldbekepttoa

minimum.Inaddition,thelifepreservermustbeadjustabletothewidevarietyofshapesandsizes

ofwearers,sincethisgreatlyaffectsthepositionoffloatingandtheself-rightingqualities.A

suitablelifealsobecomfortabletowearatalltimesjnandoutofthewater,notsoheavyasto

encouragetotakeitoffonshipboardwhiletheshipisindanger,norsoburdensomethatit

hindersapersoninthewaterwhiletryingtoswim.

UnitedStatesCoastGuarddoesNOTrequirethelifepreservertobemade（）.

A.withasfewstringsaspossible

B.capableofbeingwornonbothsides

C.accordingtoeachwearer'ssize

D.comfortableandlighttowear

14、下列抽样方法中，属于非概率抽样的是（）。

A.分层抽样

B.整群抽样

C.判断抽样

D.等距抽样

15、营业利润不包括以下哪项内容？（）

A.营业外收入

B.营业收入

C.投资收益

D.其他业务收入

16、4辆车运送货物，每辆车可运16次；7辆车运送，每辆车只能运10次。设增加的车辆

数与运送减少的次数成正比，且每车次运送货物相等，运送货物总量最多是多少车次？（）

A.72

B.74

C.64

D.68

17、下列关于运人行进行核算的会计分录，正确的是（）。

A.借：银行存款贷：分行辖内往来

B.借：现金贷：分行辖内往来

C.借：分行辖内往来贷：现金

D.借：分行辖内往来贷：银行存款

18.资料：Dreamisastorythatapersonwatchesoreventakespartinduringsleep.Dream

eventsareimaginary,buttheyarerelatedtorealexperiencesandneedsinthedreamer'slife.

Theyseemrealwhiletheyaretakingplace.Somedreamsa"epleasant,othersareannoying,and

stillothersarefrightening.Everyonedreams,butsomepersonsneverrecalldreaming.Others

rememberonlyalittleaboutadreamtheyhadjustbeforeawakeningandnothingaboutearlier

dreams.Noonerecallsallhisdreams.

Dreamsinvolvelittlelogicalthought.Inmostdreams,thedreamercannotcontrolwhathappens

tohim.Thestorymaybeconfusing,andthingshappenthatwouldnothappeninreallife.People

seeinmostdreams,buttheymayalsohear,smell,touch,andtasteintheirdreams.Mostdreams

occurincolor.Dutpersonswhohavebeenblindsincebirthdonotseeatallindreams.

Dreamsareaproductofthesleeper'smind.Theyincludeeventsandfeelingsthathehas

experienced.Mostdreamsarerelatedtoeventsofthedaybeforethedreamandstrongwishes

ofthedreamer.Manyminorincidentsofthehoursbeforesleepappearindreams.Deepwishes

orfears-especiallythoseheldsincechildhood-oftenappearindream,andmanydreamsfulfil

suchwishes.Eventsinthesleeper'ssurrounding-aloudnoise,forexample,maybecomepartofa

dream,buttheydonotcausedreams.

Somedreamsinvolvedeepfeelingthatapersonmayrealizehehas.Psychiatristsoftenuse

materialfromapatient'sdreamstohelpthepersonunderstandhimselfbetter.

Dreamingmayhelpmaintaingoodlearningability,memory,andemotionaladjustment.People

whogetplentyofsleep-butareawakenedeachtimetheybegintodream-becomeanxiousand

restless.

Accordingtothepassage,dreamsresultfrom.

A.thesleeper'sownmind

B.thesleeper'sfeeling

C.thesleeper/simagination

D.thesleeper'swishes

19、2019年，我国规模以上工业增加值增长5.7%。在规模以上工业中，分经济类型看，国

有控股企业增加值增长4.8%;股份制企业增长6.8%,外商及港澳台商投资企业增长2.0%；私

营企业增长Z7%。分门类看，采矿业增长5.0%,制造业增长6.0%,电力、热力、燃气及水

生产和供应业增长7.0%。

全年规模以上工业中，农副食品加工业增加值比上年增长1.9%,纺织业增长13%,化学原

料和化学制品制造业增长4.7%,非金属矿物制品业增长8.9%,黑色金属冶炼和压延加工业

增长9.9%,通用设备制造业增长4.3%,专用设备制造业增长6.9%,汽车制造业增长1.8%,

电气机械和器材制造业增长10.7%,计算机通信和其他电子设备制造业增长9.3%,电力、热

力生产和供应业增长6.5%。

2019年主业工业产品产量及其增长速度

产品名爵・位产受比上年才长（%）

万寸2892.1T.1

C*575.6-17.6

万t5952.89.9

1%彳万啜1389.415.9

嗪423642.51.1

当金■现贝万包18999.1-3.5

其•：城人■里£万*18689.7-1.5

万台7904.36.3

9TZ/诵■鼻2186624.3

一次•《充3975.1

忆?38.54.0

戛博万噂19101.40.9

天抬,名土方关1761.710.0

2房X小门75034.34.7

X审，大,卬】“〜工—•八r4气N52201.S2.4

京一忆*夏△管13044.45.9

<<《手更小”3483.518.3

万19963427.2

万啜120477.4S3

--干包金U万吨5866.022

万吨978.45.5

m)乃t3504.4-2.2

京龙23.54.9

<*(干100%)万可8935.7-1.3

今减（千100%）«W3464.4-0.3

万］2052.310.2

RE(F100%)万啜5731.26.1

息电町遇万华夏9274.1-14.9

汽客万制2552.8-8.3

天一：春女31f（r>>工工1016.2-16.4

之/3多工工食W（sv\）876.0-3.6

人・2黑。*'.万台27.85.9

忆立2018.28.9

万或7M.5-23.7

号今:手”二万叁170100.6-3.5

年幺丁”「玄+万自34163.28.2

二工______________________下自<>>17.7_______・31

年末全国发电装机容量201066万千瓦，比上年末增长5.8%。其中，火电装机容量119055

万千瓦，增长4.1%；水电装机容量35640万千瓦，增长1.1%:核电装机容量4874万千瓦，

增长9.1%；并网风电装机容量21005万千瓦，增长14.0%；并网太阳能发电装机容量20468

万千瓦，增长17.4%。

全年全社会建筑业增加值70904亿元，比上年增长5.6%。全国具有资质等级的总承包和专

业承包建筑业企业利润8381亿元，比上年增长5.1%,其中国有控股企业2585亿元，增长

14.5%。

图22015-2019年建筑业增加值及其增长速度

2015至2019的五年期间，我国全部工业增加值增加了约（）亿元。

A.82140

B.41990

C.71703

D.16020

20、Today,only4millionpeopleliveandworkonfarmsintheUnitedStates,buttheyproduce

morethanenoughfoodfor200millionAmericans.Theyareabletodothisbecausemodern

agriculturedependsmoreonup-to-datemachineryandscientificmethodsthanitdoeson

old-fashionedknowledgeandhumanlabor.

Thesedays,onemanorwomanspendinganafternooninanair-conditioned,stereo-equipped

tractorcandotheworkthatyearsagowouldhaverequiredhundredsofhoursofback-breaking

drudgery.

Asaresultofthemodernizationofagriculture,thefarmoftodaylooksalotlikeafactory.When

thefarmer'shenslaytheireggs,conveyorbeltscarrytheeggsofftobesortedandpacked.Ifthe

farmerkeepspigs,thosepigswillnotbewallowinginthemud,butlyingaroundinsanitary

pens.Andthefarmerislikelytobefoundstudyingacomputerprint-outoflong-rangeweather

conditions.Whyisn'tthefarmermilkingcowsinthebarn?Theansweriseasy:Amachineisdoing

it.

Thisrelianceonmoderntechnologyhasitsproblemsforfarmers.Thetractorsthatplowtheir

fields,thecombinesthatreapandthreshthegrain,andthesilosthatstorethegrainforwinter

feedingareallveryexpensive.Forexamplessingletractorcancostasmuchas$50,000.Without

thisequipment,farmerscouldnotruntheirfarmsprofitaby,but,topayforit,farmersmusttake

outlargebankloans.Asinglebadseasoncouldputthemdeeplyindebt.And,whenthemachinery

wearsoutorbecomesobsolete,thefarmersmustreplaceitwithnewer,moreexpensive

models.StilLmostfarmersarewillingtoputupwiththesedifficultiesbecausetheirmachines

havefreedthemfromtheheavylaborandhardlifethatfarmershadtoendureinthepast.

WhichofthefollowingstatementsisNOTtrueaccordingtothepassage?()

A.Amodernfarmandafactoryaresimilarinsomeaspects

B.Farmmachinesareexpensive

C.Farmersareunwillingtoreplacetheirworn-outmachinery

0.Farmershavetoborrowalotofmoneyfortheequipmenttheyneed

21、Ihopewecanflytomoononeday.

A.a

B.an

C.the

D./

22、Passage2

Thedataabankhasstoredonitsserversismorevaluablethanthegoldinitsvaults.Banksenjoy

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.InEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.DankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystorejsgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticularjtisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack(网络攻击).Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingtheIcensesofthirdpartiesthatbreakthe

rules.Third,regulatorsmustalsobeflexibleenoughtoallowforchangesasthemarket

evolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—such

aslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary

Whatisthepassage