雨课堂学堂在线学堂云《China's FinTech：From Digital Wallets to Global Impact（西南财经大学天府学院）》单元测试考核答案

第1题Whatisthemainfocusofthecourse"China'sFinTech:FromDigitalWalletstoGlobalImpact"?AHistoricaleventsinglobalfinanceBDevelopmenttrajectory,innovations,globalimpact,andchallengesofChina’sFinTechCBasicaccountingprinciplesinFinTechDCybersecurityindigitalbanking

第2题Whichkeytechnologiesareemphasizedinthiscourse?AVirtualrealityandquantumcomputingBBigdata,cloudcomputing,AI,andblockchainC5GnetworksandIoTDRoboticsandnanotechnology第3题HowmanydevelopmentstagesofFinTechinChinaarediscussedinthecourse?ATwoBThreeCFourDFive

第4题WhichofthefollowingisNOTlistedasalearningoutcomeofthecourse?AAnalyzingFinTech’sglobalmarketimpactBDesigningablockchain-basedsupplychainfinancesystemCUnderstandingtheoriginofFinTechinChinaDMasteringkeytechnologieslikeAIandblockchain第5题Whatisrecommendedtosupplementtheoreticallearninginthecourse?AWatchingfictionalmoviesaboutfinanceBExploringacademicjournalsandindustryreportsCMemorizingfinancialregulationsDAttendingsportsevents

第6题WhichactivityissuggestedforpracticalapplicationofFinTechknowledge?AWritingessaysonhistoricalfinanceBAnalyzingAI-drivencreditriskassessmentmodelsCStudyingancienttraderoutesDLearningforeignlanguages

第7题Whatisarecommendedmethodforinteractiveengagementinthecourse?ASolomeditationBGroupdiscussionsandcollaborativeprojectsCReadingnovelsDWatchingTVshows

第8题Whichemergingtechnologyismentionedforfurtherexplorationoutsidethecourse?ASteamenginesBDecentralizedfinance(DeFi)CTypewritersDLandlinetelephonesAnswer:B第9题WhatisemphasizedascriticalforunderstandingFinTech’sglobalinfluence?AMemorizingstockpricesBLearningculinaryskillsCTrackingregulatorydevelopmentsandleadingcompaniesDStudyingastronomy第10题Whatisthepurposeofcasestudiesandsimulationsinthecourse?ATobridgetheoryandpracticeBToreplacetheoreticallearningCTosimplifyexampreparationDToreducestudytime

第11题WhichphaseofChina’sFinTechdevelopmentfollows"Internetfinance"?ADeepintegrationstageBFinancialcomputerizationCPre-digitaleraDIndustrialrevolution

第12题WhatdoesthecoursesayaboutChina’sFinTechimpactonglobalmarkets?ALimitedtodomesticmarketsBExcludesregulatorydiscussionsCFocusesonlyoncurrencyexchangeDIncludestechnologyoutputandinternationalcooperation第13题Whichplatformissuggestedforadditionallearningresources?AInstagramBSpotify

CNetflixDCoursera第14题WhatshouldlearnerstracktounderstandFinTechinnovation?AWeatherpatternsBRegulatorydevelopmentsandleadingcompaniesCFashiontrendsDAncientmanuscripts第15题Whichskillishighlightedasimprovedthroughthecourse’sstructuredapproach?APaintingBMusicalcompositionCProblem-solvingDAthleticperformance

第1题AccordingtotheFinancialStabilityBoard,towhichfielddoesFinTechessentiallybelong?

ATechnologyfield

B

FinancialfieldCBothfieldsD

Neitherfield第2题WhichinnovationmarkedtheearlyphaseofFinTechevolutioninthe1910s?ACreditcards

BATMsCTelegraphicmoneytransferDOnlinebanking

第3题WhatarethefourkeycharacteristicsofbigdatainFinTech?AVolume,velocity,variety,veracity

BSpeed,accuracy,reliability,diversity

CSize,speed,type,truthDCapacity,rate,variation,validity

第4题WhichmobilepaymentservicewasintroducedinKenyatoprovidefinancialaccesstounbankedindividuals?AApplePayBPayPal

CM-PesaDUPI第5题Beyondcryptocurrencies,blockchaintechnologyisbeingexploredforstreamliningprocessesinwhicharea?AAlgorithmictradingBSupplychainfinanceCRobo-advisorsDCreditscoringExercise第1题Whatarethe"4Vs"thatcharacterizebigdata?AVolume,Value,Variety,VelocityBVolume,Velocity,Variety,VeracityCVeracity,Value,Volume,VelocityDVariety,Volume,Velocity,Validity第2题WhichofthefollowingiscitedasanexampleofUNSTRUCTUREDdatainthefinancialsector?AFinancialtransactionrecordsBXMLfilesCCustomeremailsDJSONfiles第3题Whichtechnologyisspecificallymentionedforitsspeedandabilitytohandlereal-timedatastreamsinbigdataprocessing?ABlockchainBCloudComputingCHadoopDSpark

第4题HowdoesPayPalprimarilyutilizebigdataanalyticsaccordingtothedocument?ATooptimizebranchstaffinglevelsBToprovidepersonalizedfinancialinsightsviaitsappCForreal-timefraudpreventionDTodeveloprobo-advisors第5题Whatishighlightedasacrucialethicalconsiderationalongsideprivacycompliancewhenfinancialinstitutionsusebigdata?AReducingoperationalcostsBEnsuringalgorithmfairnessandavoidingbiasCIncreasingtransactionspeedDExpandingfinancialinclusionExercise第1题Whatarethecorecharacteristicsofcloudcomputinghighlightedinthedocument?ACost-effectiveness,Security,AutomationBElasticity,Scalability,HighAvailabilityCVirtualization,Internet-based,On-demandDSpeed,Reliability,Sustainability第2题Whichcloudservicemodelprovidesuserswithvirtualizedcomputingresourceslikevirtualmachinesandstorage,allowingthemtodeploytheirownoperatingsystemsandapplications?ASoftwareasaService(SaaS)BPlatformasaService(PaaS)CInfrastructureasaService(IaaS)DFunctionasaService(FaaS)第3题Howdoesthepay-as-you-gomodelofcloudcomputingprimarilybenefitfinancialinstitutionsaccordingtothedocument?AByguaranteeingzerodowntimeforcriticalsystemsBBysignificantlyreducingupfrontinvestmentinphysicalhardwareCByautomaticallyensuringregulatorycomplianceDByprovidingthefastestpossibledataprocessingspeeds第4题WhichspecificexampleisgiveninthedocumentforhowfinancialinstitutionsusetheSoftwareasaService()model?ADevelopingblockchain-basedcross-borderpaymentsolutionsBUsingaSaaS-basedcorebankingsystemtohandledepositsandloansCDeployingrobo-advisorsonmobileplatformsDSimulatingmarketscenariosforinvestmentdecisions第5题Whatpotentialimpactofquantumcomputingonfinanceismentionedinthedocument,alongsideitsopportunities?AItwilldrasticallyreducetheneedfordatacentersBItraisesconcernsaboutthesecurityofexistingcryptographicsystemsCItwillmakeedgecomputingobsoleteDItguaranteesmoreaccuratefrauddetectionExercise第1题Whatisthecorenatureofblockchaintechnologyaccordingtothedocument?AAcentralizeddatabaseforfinancialrecordsBAdecentralizedbigdatasystemanddistributedledgertechnologyCAspecializedcloudcomputingserviceDAgovernment-regulatedmonetarysystem第2题Whichcharacteristicofblockchainensuresthatrecordeddatacannotbealteredordeleted?ATransparencyBDecentralizationCImmutabilityDSecurity第3题Howdosmartcontracts,asdescribedinthedocument,function?ATheyrequireintermediariestoenforceagreementterms.BTheyaremanuallyexecutedcontractsreviewedbylawyers.CTheyareself-executingcodestoredontheblockchainthatautomaticallyenforcestermswhenconditionsaremet.DTheyareprimarilyusedforphysicalgoodsdeliveryverification第4题Whatspecificproblemincross-borderpaymentsdoesthedocumentstatethatblockchaintechnologyaddresses?ALackofavailablecurrenciesforexchangeBSlowspeed,highcost,andlackoftransparencyduetomultipleintermediariesCExcessivegovernmentregulationDIncompatibilitywithtraditionalbankingsystems第5题Whichconsensusmechanismisspecificallymentionedinthedocumentasraisingenvironmentalconcernsduetohighenergyconsumption?AProofofStake(PoS)BDelegatedProofofStake(DPoS)CProofofWork(PoW)DPracticalByzantineFaultTolerance(PBFT)Exercise第1题WhatisdescribedasafundamentalsubsetofAIthatinvolvestrainingalgorithmswithdatatomakepredictionswithoutexplicitprogramming?ADeepLearningBNaturalLanguageProcessing(NLP)CComputerVisionDMachineLearning

第2题WhichAIapplicationinfinanceusestechniqueslikereinforcementlearningtoanalyzemarketdataandexecutetradesoptimally?AFraudDetectionBCreditUnderwritingCAlgorithmicTradingDInsuranceClaimsProcessing

第3题HowdoesAIimprovecreditscoringcomparedtotraditionalmethods,accordingtothedocument?AByrelyingsolelyonFICOscoresBByincorporatingnon-traditionaldatasourceslikerentalpaymentsandutilitybillsCByeliminatingtheneedforriskcontrolsDByfocusingonlyonhistoricalloanrepaymentdata第4题WhichoperationalefficiencyinfinanceisspecificallymentionedasbeingoptimizedbyAIthroughtaskslikeautomatictransactionclassification?AAlgorithmicTradingLatencyBCustomerServiceResponseTimesCAnti-MoneyLaundering(AML)ReportingDLoanApprovalProcessing第5题WhatisidentifiedasaparamountchallengeconcerningAIinfintech,primarilyduetothesystems'needforlargeamountsofdata?AAlgorithmicBiasBRegulatoryUncertaintyCModelInterpretability(Black-BoxNature)DDataPrivacyandSecurityExercise第1题AccordingtotheFinancial

StabilityBoard(2016),fintechfundamentallybelongsto:ATechnologyfieldBFinancialfieldCRegulatoryfieldDMarketingfield第2题Whichinnovationfirstenabledrapidlong-distancefundtransfersinthe1910s?ATelegraphicmoneytransferBCreditcardsCATMsDBlockchain

第3题ThefirstATMwasinstalledin:ANewYork,1965B

Tokyo,1970CEnfield,London,1967DHongKong,1980第4题Which"4V"ofbigdatareferstodataprocessingspeed?AVelocityBVolumeCVarietyDVeracity第5题PayPalprimarilyusesbigdatafor:AFrauddetectionBCreditscoringCPersonalizedbankingDStocktrading第6题SesameCreditinChinaassessescreditworthinessusing:ASalaryrecordsonlyBOnlineshoppingbehaviorandsocialmediaCPropertyownershipDAcademicqualifications第7题Whichcloudservicemodelprovidesvirtualizedcomputingresourceslikeservers?ASaaSBIaaSCPaaSDBaaS第8题Cloudcomputingenablesfinancialinstitutionsto:AIncreasehardwareinvestmentsBEliminateallcybersecurityrisksCAdoptpay-as-you-gocostmodelsDAvoidregulatorycompliance第9题keybenefitofcloudcomputingindisasterrecoveryis:ALoweremployeetrainingcostsBHighavailabilityofcriticalsystemsCReducedcustomerinteractionDEliminationofdatabackups第10题Smartcontractsautomaticallyexecutewhen:AAlawyerapprovesthemBPredefinedconditionsaremetCGovernmentregulatorsinterveneDTraditionalbanksvalidatethem第11题Ripple'sblockchainsolutionprimarilyaddresses:ACross-borderpaymentsBCreditscoringCInsuranceclaimsDStocktrading第12题Theblockchainconsensusmechanismcriticizedforhighenergyconsumptionis:AProofofStakeBDelegatedProofofStakeCProofofWorkDByzantineFaultTolerance第13题AlgorithmictradingpoweredbyAImainlyimproves:ABranchstaffingBTradeexecutionspeedandaccuracyCCurrencydesignDLoanapprovalpaperwork第14题AkeyethicalchallengeinAIcreditscoringis:APerpetuatinghistoricalbiasesBExcessivetransparencyCLowcomputationalpowerDManualdataentry第15题Deeplearningisbasedon:ABlockchainhashingBArtificialneuralnetworksCCloudstoragearchitectureDCentralizeddatabases

Exercise第1题WhatmajortechnologicalachievementcharacterizedtheFin-Tech1.0eraandlaidthefoundationforglobalfinancialmarketintegration?ATheinventionofthecreditcardinthe1950s.BThedevelopmentofencryptiontechnologiesduringWWII.CThesuccessfullayingofthefirsttransatlanticsubmarinecablein1866.DTheinventionofthefaxmachinein1964.

第2题WhichpolicydocumentismentionedassupportingdeeperfintechinnovationinChinapost-2015?ATheNationalElectronicSystemsPlanofthe1990s.BTheInterbankCardAssociationregulationsof1966.CThe2024"GuidingOpinions".DTheP2PLendingFrameworkof2007.第3题WhatisidentifiedasthekeyshiftmarkingthetransitiontotheFin-Tech2.0era(1967-2008)?ATheshiftfromphysicalinfrastructuretodigitizationandelectronicbusinesssystems.BTheinventionofmobilebankingapplications.CThefocusondevelopingartificialintelligenceforfinance.DThewidespreadadoptionofblockchaintechnology.第4题WhichofthefollowingisNOTlistedasakeydevelopmentduringChina's"internetfinance"phase(2004-2015)?ATheadoptionofmainframesbytheBankofChinain1974.BThelaunchofAlipayin2003.CTheemergenceofP2Plendingin2007.DTheintroductionofQRcodepaymentsin2011.

第5题Whatprimaryimpactdidthedevelopmentoffinancialmobility(Fin-Tech3.0)have,particularlyinChina?AItreplacedtheneedforbigdataanalysisinfinancialservices.BItshiftedfinancialservicesprimarilybacktophysicalbranches.CItextendedfinancialservicestomobiledevices,greatlyimprovingaccessibility,efficiency,andpromotinginclusivefinance.DItmarkedtheendofinnovationinlending,insurance,andinvestmentproducts.

Exercise第1题WhatmarkedthebeginningofelectronicfinancedevelopmentinChina?AThelaunchofYu'eBaoin2013.BTheintroductionoftheRicoh8mainframesystembyBankofChinain1974.CTheopeningofICBC'snationalelectronicremittancesystemin1995.DTheestablishmentofPaiPaiDaiin2007.第2题WhichstageofChina'sfintechdevelopmentprimarilyoccurredbetween2004and2015?AFinancialElectronicizationStageBDeepIntegrationStageCInternetFinanceStageDFinancialGlobalizationStage

第3题Whatsignificanteventin2003markedtherapiddevelopmentofthird-partypaymentinChina?ATheissuanceofthefirstthird-partypaymentlicensesbythePeople'sBankofChina.BThelaunchofQRcodepaymentbyAlipay.CTheintroductionoftheRicoh8mainframesystem.DThelaunchofAlipaybyTaobao(AlibabaGroup).第4题Accordingtothedocument,whichtechnology'sapplicationinfieldslikesupplychainfinanceandcross-borderpaymentshasshowninitialresultsintheDeepIntegrationStage?AArtificialIntelligenceBBigDataAnalyticsCBlockchainTechnologyDCloudComputing第5题WhatwasamajorachievementofChina'sFinancialElectronicizationStagebytheendof2000?ATheemergenceofP2Ponlinelendingplatforms.BThelaunchofthefirstonlinebankingservice.CElectronicbusinessoutletsaccountedforover95%ofthetotalnumberofoutlets.DThewidespreadadoptionofQRcodepayments.

Exercise第1题WhatmarkedthebeginningoftheFin-Tech1.0stageglobally?AInventionofcreditcardsBSuccessfullayingofthefirsttransatlanticsubmarinecablein1866CCreationofblockchaintechnologyDLaunchofmobilebanking

第2题WhichtechnologyadvancementwasacceleratedduringWorldWarIItoimprovecommunicationencryption?AQRcodesystemsBCloudcomputingCEarlycomputerswithcode-breakingtoolsDMobilepaymentplatforms第3题WhenwastheInterbankCardAssociationestablished?A1950sB1964C1966D1974

第4题WhatcharacterizedtheFin-Tech2.0stage(1967–2008)?APhysicalinfrastructureupdatesBShifttowarddigitaloperatingmachinesandelectronicbusinesssystemsCBlockchainadoptionDGlobalfinancialderegulation第5题WhichinnovationemergedinChinaduringthefinancialelectronicizationstage(pre-2004)?ANationalElectronicInterbankSystemBAlipayCQRcodepaymentsDYu’eBao

第6题WhichplatformmarkedthestartofChina’sP2Plendingindustryin2007?AAlipayBYu’eBaoCPaiPaiDaiDTaobao第7题WhatdidAlipayintroducein2011toexpandofflinepaymentscenarios?AQRcodepaymentBBlockchainintegrationCMobilebankingappsDCryptocurrencywalletsAnswer:B第8题WhichpolicydocumentemphasizedenhancingfintechcompetitivenessinChinainMay2024?ADecisiononFinancialSystemReform(1993)BThird-partypaymentlicenseregulations(2011)C"GuidingOpinionsontheFiveMajorArticlesofBankingandInsuranceIndustry"DNationalSecuritiesTradingAutomatedQuotationSystem第9题Whattechnologyisappliedinsupplychainfinanceandcross-borderpaymentsinChina’sdeepintegrationstage(post-2015)?AFaxmachinesBAnalogcomputingCSubmarinecablesDBlockchain第10题WhendidChina’sthird-partypaymentindustryenterstandardizeddevelopment?A1995B2003C2015

D2011第11题WhichstageofChina’sfintechdevelopmentisassociatedwithYu’eBao?AFinancialelectronicizationBInternetfinance(2004–2015)CDeepintegration(post-2015)DFinancialglobalization

第12题WhatpercentageofChinesebankoutletsachievedcomputerizationby2000?A50%B75%C90%DOver95%

第13题WhatwastheprimarydriverofFin-Tech3.0(2008–present)?ATelegraphsystemsBMobiletechnologyexpansionCCreditcardnetworksDFaxmachines第14题WhichinstitutionintroducedChina’sfirstonlinebankingservicein1996?AIndustrialandCommercialBankofChina(ICBC)BBankofChinaCPeople’sBankofChinaDAlibabaGroup第15题InwhatyeardidIndustrialandCommercialBankofChina(ICBC)launchanationalelectronicremittancesystem?

A1993B1995C2000D2003Exercise第1题Question:Accordingtothedocument,whatistheprimaryapplicationofWeBank'sAIlargemodelinfinancialriskcontrol?AReal-timemarketpredictionBFrauddetectionandpreventionCRiskidentificationandserviceoptimizationDAutomatedcompliancechecks第2题Question:Inthecontextofcreditscoringsystems,howdoesAItechnologyenhanceaccuracyandefficiency,basedonthedocument?AThroughmanualdatasummarizationandexpertjudgmentBByusingpre-trainedmachinelearningmodelstoextractrisksignalsfrommulti-dimensionaldataCViareal-timevoicerecognitionfortransactionverificationDByanalyzingnewseventsandpricefluctuations

第3题Question:WhatroledoesAIplayinMorganStanley'sinvestmentadvisoryservices,asmentionedinthedocument?AItreducesfraudthroughmulti-modalinformationverification.BItassistsincreditriskassessmentforborrowers.CItuseschatbotstoretrieveresearchdataandprovidepersonalizedinvestmentadvice.DItautomatescompliancecheckstopreventviolations.Answer:C第4题Question:HowdoesAItechnologycontributetocompliancechecksinfinancialinstitutions,accordingtothedocument?ABypredictingmarkettrendstoinforminvestmentdecisionsBByimprovingcustomerexperiencethroughpersonalizedservicesCByscanningtransactionrecordstoidentifypotentialviolationsandreducerisksDByenhancingriskidentificationthroughself-learningmechanisms

Answer:C第5题Question:HowdoesIndustrialandCommercialBankofChina(ICBC)utilizeAItechnologytoaddressfinancialrisks,asdescribedinthedocument?

AByprovidingpersonalizedinvestmentadvicethroughchatbots

BBydevelopinganAIanti-fraudinvestigationsystemusingintelligentvoicetechnology

CByimprovingcreditscoringaccuracywithmachinelearningmodels

DBymonitoringmarketdynamicsforinvestmentdecisions

Exercise第1题Whatisthemainadvantageofusingbigdataincreditassessmentcomparedtotraditionalmethods?AItreducestheneedforhumaninterventionBIteliminatestheneedforcreditrecordsCItprovidesamorecomprehensiveperspectivebyanalyzingvariousfactorsDItonlyfocusesonsocialmediadata第2题WhichtechnologydoesXinwangBankuseforreal-timecreditanalysis?AAdvancedriskpreventionandcontrolsystemBBlockchainCCloudcomputingDQuantumcomputing

第3题Whattypeofgroupsbenefitthemostfrommachinelearning-basedcreditassessmentsolutions?AHigh-net-worthindividualsBRecentgraduatesorimmigrantsCGovernmentemployeesDRetirees第4题Howdoessocialmediadatacontributetocreditassessment?AByreplacingtraditionalcreditrecordsentirelyBByeliminatingtheneedformachinelearningalgorithmsCByfocusingonlyonborrowers'onlinepurchasesDByprovidinginsightsintoborrowers'financialstatusandintegrity第5题Whatisakeyfeatureofbigdata-basedpost-loanmanagement?AItonlymonitorsrepaymentdeadlinesBIttrackschangesincustomers'creditstatusinreal-timeCItignorescustomers'consumptionhabitsDItreliessolelyonmanualreviews

Exercise第1题Whichcompanyestablishedasupplychainfinancialserviceplatformin2016toprovidecomprehensivefinancingservicesforSMEsusingblockchaintechnology?AJDTechnologyBLianYiRongCTencentCloudDSuningFinance第2题WhattechnologiesdoesICBCintegrateinitssupplychainfinancingproductforsmallandmicroenterprises?ABlockchain,bigdata,andIoTBAI,cloudcomputing,andIoTCBlockchain,AI,andbigdataDCloudcomputing,bigdata,andIoT第3题Whichcompanyexpandeditssupplychainfinancialservicesfromitsinternalecosystemtoexternalindustries,becomingaplatform-basedprovider?ABaiduBJDTechnologyCSuningFinanceDTencentCloud

第4题Whatisthekeyfeatureofthe"dual-chainlinkage"modelinsupplychainfinance?ACombiningfinance,technology,andindustryinatriangularcycleBFocusingsolelyonblockchaintechnologyCExcludingtraditionalfinancialinstitutionsDPrioritizinglargeenterprisesoverSMEs第5题Whichcompanyuses"BaiduXiaoDai"tooptimizetraditionalbusinessprocessesandimproveSMEfinancingconvenience?ABaiduBTencentCloudCICBCDLianYiRong

Exercise第1题WhatisthemainadvantageofRipple'sblockchain-basedpaymentnetwork?AHightransactionfeesBFasttransactionspeedandlowcostsCCentralizedtrustestablishmentDLimitedcurrencysupport第2题Whatproblemdoblockchainelectronicinvoicessolveintaxmanagement?AIncreasinginvoicingcomplexityBTaxfraudandinefficiencyCReducingtransactiontransparencyDEliminatingtheneedforinvoices第3题Whichfeatureofblockchaintechnologyenhancesdigitalassetcustodyservices?ACentralizedstorageBDecentralizationandimmutabilityCHighvolatilityofassetsDManualtransactionverification第4题Howdoesblockchainimprovecross-borderpaymentscomparedtotraditionalmethods?AByincreasingclearingtimesBByestablishingpeer-to-peerpaymentnetworksCByrequiringintermediarybanksDByraisingtransactionfees第5题Whatisakeybenefitofblockchaininsupplychainfinance?AHigherregulatorycostsBReducedtransparencyCImprovedcapitalflowefficiencyDLimitedaccesstocredit

Exercise第1题Whatistheprimarybenefitofcloudcomputinginthebankingsectoraccordingtothedocument?ABuildingacomprehensivefinancialserviceecosystemBReducingphysicalbranchesCEliminatingalltraditionalbankingservicesDIncreasingmanualprocessing第2题WhichcompanyismentionedasthefirstdigitalbankinChinathatusescloudcomputingforcoretechnologyR&D?ATaipingPropertyInsuranceBWeBankCShenwanHongyuanSecuritiesDAntGroup第3题Howdoescloudcomputinghelpthesecuritiesandfundsector,asillustratedbyShenwanHongyuanSecurities?AByreducingcustomerinteractionsBByeliminatingalltradingrisksCByenablingon-demandresourceallocationandmassivedataprocessingDByreplacinghumantraders第4题WhatadvantagedoesWeBankachieveinITcostsperuseraccountcomparedtosmallbanks?A50%lowerB20%lowerC5%ofthecostDEqualcost第5题WhichtechnologyishighlightedasbeingsupportedbycloudcomputinginChinaMerchantsBank'sfintechcase?ABlockchainonlyBBigdataandartificialintelligenceCQuantumcomputingDOfflinepaperworkExercise第1题WhatisthemainpurposeofcustomerportraittechnologyinChina'sfinancialtechnology?AToreducethenumberoffinancialinstitutionsBToprovidepersonalizedproductsandservicesbyanalyzingcustomerdataCToeliminateallfinancialrisksDToreplacehumanemployeesinfinancialinstitutions第2题Whichcompanyusescustomerportraittechnologytoprovidepersonalizedrecommendationsonitsplatform'shomepage?AJDFinanceBWeBankCAntGroup(Alipay)DBankofChina第3题HowdoesJDWhiteCardassessusers'creditstatus?AByanalyzingusers'purchasehistory,browsingbehavior,andpersonalinformationBByconductingface-to-faceinterviewsCByrelyingsolelyongovernmentrecordsDByrandomlyassigningcreditlimits第4题Whichfinancialinstitutionusescustomerportraittechnologytolaunchcustomizedwealthmanagementproductsorcreditcardpromotions?ALufaxBChinaMerchantsBankCZhongyuanBankDWeBank第5题Whatisoneapplicationofcustomerportraittechnologyinpreventingfinancialfraud?AIncreasingtransactionfeesBAnalyzingusers'behavioraldataandtransactionpatterns(e.g.,Alibaba'santi-fraudsystem)CEliminatingallonlinetransactionsDReducingcustomerserviceinteractionsExercise第1题WhichbankusesanAIanti-fraudinvestigationsystemwithintelligentvoicetechnology?AWeBankBIndustrialandCommercialBankofChina(ICBC)CMorganStanleyDXinwangBank第2题WhattechnologydoesMorganStanleyusetoretrievecompanyresearchdataforpersonalizedinvestmentadvice?ABlockchainBChatbotsdrivenbyOpenAICIoTDCloudcomputing第3题Whichcompanyprovidesintelligentriskcontrolservicescoveringtheentireprocessofriskidentification,evaluation,monitoring,andcontrol?ACloudFromTechnologyBJDTechnologyCAntGroupDTencentCloud第4题WhatisthekeyfeatureofRipple'sblockchain-basedpaymentnetwork?AHightransactionfeesBSlowcross-borderpaymentsCFasttransactionspeedandlowcostsDCentralizedtrustmanagement

第5题Whichinstitutionlaunchedtheblockchainelectronicinvoiceprojecttopreventtaxfraud?AShenzhenTaxBureauBChainUpCustodyCAntGroupDLianYiRong第6题Whatistheprimaryroleofbigdataincreditscoringmodels?AReducingdatastoragecostsBCombiningtransactiondataandconsumptionrecordsforprecisionCEliminatingcompliancechecksDIncreasingmanualintervention第7题WhichtechnologydoesLianYiRongusetoautomateaccountsreceivablemanagementinsupplychainfinance?AAIalgorithmsBSmartcontractsviablockchainCSocialmediaanalysisDIoTsensors第8题WhatadvantagedoesWeBankachievethroughcloudcomputinginITcosts?ACostsare50%higherthansmallbanksBCostsperuseraccountare5%ofsmallbanksCCompleterelianceonphysicalserversDLimitedscalability第9题WhichcompanyusescustomerportraitstopredictCTRforpersonalizedrecommendationsonAlipay?AJDFinanceBAntGroupCChinaMerchantsBankDZhongyuanBank第10题WhatdoesJDWhiteCardusetobuilditscreditscoringmodel?ABlockchaintransactionsBPurchasehistoryandbrowsingbehaviorCManualinterviewsDTaxpaymentrecords第11题WhichtechnologyisintegratedintoICBC'ssupplychainfinancingproductforsmallenterprises?AVirtualrealityBQuantumcomputingCBlockchain,bigdata,andIoTDSocialmediaAPIs第12题Whatisthepurposeofthe"dual-chainlinkage"modelinsupplychainfinance?AMergingfinanceandindustrialchainsforefficientcollaborationBReducingtransactiontransparencyCIncreasingmanualoversightDEliminatingdigitaltransformation第13题WhichfinancialinstitutionusesARMserversinitsmulti-datacenterarchitecture?AWeBankBShenwanHongyuanSecuritiesCTaipingPropertyInsuranceDChinaPacificInsurance

第14题WhatdoesAlibaba’santi-fraudsystemanalyzetopreventfraud?ABlockchaintransactionsBCreditscoresCUserbehavioraldataandtransa