China Merchants Bank Co Ltd has teamed up with ride-hailing major Didi Kuaidi to provide automobile financing and expand its reach in China's booming mobile payment industry.
The two have inked a comprehensive partnership, which includes a strategic investment by the former in the latter. Under the partnership, CMB will become the first bricks-and-mortar bank that can offer in-app credit card payments to Didi users. At present, users of Didi can only choose third-party payment solutions like WeChat Payment and Alipay to pay cab fares.
Zhao Ju, vice-president of CMB, said the cooperation with Didi was an important step in its mobile Internet finance strategy. “CMB's mobile payment is going to enter a new chapter by leveraging Didi Kuaidi's vast user base," he said.
According to a report by China Internet Network Information Center earlier this month, Didi holds 87.2 percent of China's private car hailing market. The company said it has received 1.43 billion car-hailing requests on its platforms in 2015, which means 1.43 billion payments were made via smartphones.
CMB is expected to use Didi to reach the core users of China's mobile payment market. Jean Liu, president of Didi, said many of the expats prefer payment by credit card rather than Alipay or WeChat. "The new partnership will help improve service quality and customer loyalty," she said. The investment makes CMB part of Didi's existing investors, including Tencent Holdings Ltd, Alibaba Group Holding Ltd and China Investment Corporation. Both of the companies declined to reveal the actual amount of the investment.
Liu, who showed up on Tuesday for the first time in public after her treatment for breast cancer, said the cooperation with CMB is for the long run and "the capital investment is only part of it".
Under the partnership, CMB and Didi will cooperate on a wide range of initiatives on financial services and online-to-offline cooperation. Apart from the in-app credit card payments, the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners. CMB's branches across China are expected to help Didi recruit more drivers.
"There is a lot of room for imagination in our partnership," Li said, adding in future people may use their CMB credit card reward points to pay for the ride on Didi.
Li Chao, an analyst with iResearch Consulting Group, said the partnership may not significantly boost CMB's mobile payment business. "Didi has educated the market for three years and its customers have formed the habit of paying by WeChat or Alipay. So I think CMB can only turn a very smart proportion of Didi users into its payment customer," he said. "But the move shows that China's traditional banking industry is finally thinking out of the box and looking for outside partners in Internet finance competition," he said.
Statistics from Big-Data Research showed that more than 90 percent of China's 9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.
1.Which of the following sentences is true about Didi Kuaidi ?
A. The users of Didi can pay cab fare in cash.
B. At present, Didi holds the largest market of China's private car hailing business.
C. With several years of development, the users of Didi have abandoned the third-party payment.
D. CMB will become the most important investor of Didi.
2.Which of the following is not the purpose of CMB’s cooperation with Didi? .
A. CMB is expected to use Didi to reach the core users of China's mobile payment market.
B. Through the cooperation with Didi, CMB will help improve service quality and customer loyalty.
C. CMB will launch joint credit cards with Didi to expand its service.
D. CMB will turn a very large proportion of Didi users into its payment customer.
3.What can be inferred from the passage?
A. CMB's mobile payment is going to enter a new chapter.
B. China's traditional banking industry is facing fierce Internet finance competition.
C. CMB and Didi will have a online-to-offline cooperation.
D. Mobile payment market is donated by Alibaba and Tencent.
4.What’s Li Chao’ attitude towards the partnership between CMB and Didi?
A. cautious B. positive
C. indifferent D. disapproving
5.The main idea of this passage is that ___________.?
A. CMB develops partnership with Didi Kuaidi.
B. CMB is looking for outside partners in Internet finance competition.
C. Didi Kuaidi is going to enter a new chapter.
D. Alibaba and Tencent dominate the mobile payment market.
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初中学业考试导与练系列答案科目：高中英语 来源：2014-2015学年黑龙江佳木斯重点中学高三下学期第一次模拟考试英语试卷（解析版） 题型：阅读理解
It was reported last week that developers could take photos from Apple mobile and Google Android devices without the phone owners knowing that the images were being taken. In Apple’s case, developers can also obtain the location information for each photo.
Senator(参议员) Charles Schumer said in a telephone interview that his office had spoken with officials at both Apple and Google on Monday.
“We asked them if they could find a way on their own to prevent Apple from having access to private information,” Mr. Schumer said. “They were friendly and open to the idea that this ought to be changed.”
On Sunday, Mr. Schumer said that he planned to send a letter to the Federal Trade Commission asking the agency to investigate Apple and Google after the privacy concerns came to light. Claudia Bourne Farrell, an F.T.C. spokeswoman, said the agency had received the letter but she could not comment further.
“It worries people to think that one’s personal photos, address book, and who knows what else can be obtained and even posted online without permission,” Mr. Schumer wrote in his letter to the F. T.C. “If the technology exists to open the door to this kind of privacy invasion, then surely technology exists to close it, and that’s exactly what must happen.”
Mr. Schumer said if Apple and Google could not come to an agreement to fix the problem, then he would be forced to take the issue further.
He said other companies had been willing to work with his office to fix issues. “I’m optimistic that we can get this changed without any regulation,” he said. “If it’s not changed, then we’ll turn to the F.T.C., and if that doesn’t work then we’ll consider legislative approach.”
The F.T.C. has warned companies to try to be more vigilant(警醒的) in their efforts to protect consumers when it comes to privacy.
1.The senators spoke with officials at both Apple and Google_______.
A. to urge them not to invade consumers’ privacy.
B. to discuss whether it is illegal to have access to private information.
C. to stop them from developing the technology of taking photos.
D. to keep them from obtaining the location information for each photo.
2.Which of the following statements is True?
A. Privacy invasion from Apple has existed for a long time.
B. Mr. Schumer takes the privacy concerns caused by Apple and Google seriously.
C. Privacy invasion from Google has existed for a long time.
D. Apple and Google have decided to make a change.
3.Mr. Schumer’s letter to the F.T.C. mainly shows that the technology to open the door to privacy invasion_______.
A. causes privacy invasion to happen frequently.
B. can be used if permitted.
C. causes people to worry about the safety of their personal information.
D. causes personal information to be posted online without permission.
4.Where can we read about the passage?
A. In a newspaper.
B. In a magazine.
C. In a science report.
D. In a textbook.
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科目：高中英语 来源：2016届四川双流中学高三12月月考英语试卷（解析版） 题型：语法填空
语法填空
阅读下面材料，阅读下面材料，在空白处填入适当的内容（1个单词）或括号内单词的正确形式。
Spending more than an hour on your smart phone each day may be a sign that you are suffering from depression, 1. new study has suggested. The more time is spent 2. (use) a phone for any reason including texting and going online, the more likely volunteers were 3. have the blues .
Monitoring people’s comings and 4. (go) using GPS tracking on their phones also helped track mood. Spending most of your time at home was also 5. (link) to depression, as was having an/a 6. (regular) daily schedule, such as unusual shift patterns. “ 7. people are depressed, they tend to withdraw and don’t have the motivation and energy to go out and do things, ” said senior author David Mohr. “ The data _8. showed depressed people tended not to go many places 9. (reflect) the loss of motivation seen in depression ”
“The significance of this is that we can detect if a person has depressive symptoms and the severity of those symptoms 10. asking them any questions . Phones can provide data obviously and with no effort on the part of the users . ”
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科目：高中英语 来源：2016届辽宁沈阳东北育才学校高三上学期模拟3英语试卷（解析版） 题型：短文改错
短文改错
假定英语课上老师要求同桌之间交换修改作文，请你修改你同桌写的以下作文。文中共有10处错误，每句中最多有两处。错误涉及一个单词的增加、删除或修改。
增加：在缺词处加一个漏词符号（^），并在其下面写出该加的词。
删除：把多余的词用斜线（\）划掉。
修改：在错的词下画一横线，并在该词下面写出修改后的词。
注意：1．每处错误及其修改均仅限一词；
2．只允许修改10处，多者（从第11处起）不计分。
I’m tired and covered in dust. I’ve been digging all day and I’ll be doing the same tomorrow. Sound awful, doesn’t it ? But I’ve never had so many fun in my life. As an archaeology student, I have already knew something about the Qin Tomb and the terracotta warriors. Most Chinese children can tell you Qin Shihuang was the emperor first unified China. He was a brilliant ruler, and he was also a cruel man who killed thousands of people. When he became the king of the state, he immediately ordered workers to construct an underground tomb for him, which is said to contain great treasures. But, the actual entrance to the tomb has ever been found, nor has the tomb been opened. There are ancient descriptions of crossbows hiding at the tomb’s entrance. It’s said that if everyone steps across the entrance, the crossbows will fire.
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科目：高中英语 来源：2016届辽宁沈阳东北育才学校高三上学期模拟3英语试卷（解析版） 题型：阅读理解
Now that American education has entered the era of the MOOC—the Massive Open Online Course-the opportunity for cheating appears greater than ever. The all-knowing Google search engine is never more than a few keystrokes away. So how can a teacher manage such a large number of examinees so far away, let alone searching out cheaters taking tests across the Internet?
Using technology, of course. While special services via webcam(摄像头)and cheating detecting software have been developed now, Mettl, an online company, has developed advanced techniques for netting cheaters, which the company claims are even more reliable and easier to use. Whatever small attempt to cheat, he or she will be found out.
Mettl has adopted a handful of technologies on its test—taking platform, creating a mini monitoring state in an exam. Here’s how it works：A test-taker signs on to Mettl and selects his／her exam from the site’s library of pre—loaded tests. Facial and keystroke recognition technology confirm the person that has signed in is the very person, and the system records both the test—taker(through the webcam)and the test—taker’s screen throughout the test.
Mettl’s technology uses the test—taker’s webcam to detect how many people are using the computer. Soon, it will track eye movement well enough to sense whether the test-taker is looking away from the screen, perhaps to Consult a smart phone or a friend in secret. Mettl also monitors the test-taker’s screen and can detect when the test-taker has changed a computer or moved from the test. The system will soon be able to record sound, thus detecting whether the test-taker is talking or being talked to.
If any irregularities are detected, the system flags the incident and reports it back to the test’s administrator. This can bring any number of things, depending on the test-giver’s wishes：a complete shutdown of the exam, a warning message that appears on the test-taker’s screen, even human instructions from the control center.
Mettl is hoping its technology will help it break into the country’s big MOOC markets.
1.What’s the best title of the passage?
A. Advantages of Massive Open Online Courses
B. Using technology to fight against cheating online
C. A new Test system serving the online students
D. How Americans help increase educational opportunity
2.From the first paragraph we can infer that
A. MOOC has replaced the traditional form of education
B. Teachers should be more strict in dealing with cheating
C. Google is a software designed for cheating
D. Preventing online cheating is a tougher job
3.How can Mettl help to get rid of cheating online?
A. By equipping teachers with cameras.
B. By asking test-takers to sign in.
C. By providing different tests at the same time.
D. By recording the test-takers’ behaviors.
4.Which part of a newspaper does the article come from?
A. Health B. Education C.Entertainment D. Culture
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科目：高中英语 来源：2016届浙江绍兴第一中学高三下学期开学回头考英语试卷（解析版） 题型：单项填空
—The weather turns out to be fine.
— We can depend on ___ that the goods will be shipped to the flooded area on time.
A. it B. / C. this D. which
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科目：高中英语 来源：2016届浙江绍兴第一中学高三下学期开学回头考英语试卷（解析版） 题型：单项填空
It is confirmed that a person can not be actually pleased if ___ he appreciates doing is ignored by the company as of no value.
A. when B. that C. what D. where
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科目：高中英语 来源：2016届湖北沙中学高三下学期第一次半月考英语试卷（解析版） 题型：阅读理解
For as long as they can remember Jynne Martin and April Surgent had both dreamed of going to Antarctica. This winter, they each made it to the icy continent as guests of the National Science Foundation (NSF).But they didn’t go as scientists. Martin is a poet and Surgent is an artist. They went to Antarctica as participants in the NSF’s Artists and Writers program. The NSF is the government agency that funds scientific research in Antarctica. But it also makes it possible for artists, including filmmakers and musicians, to experience Antarctica and contribute their own points of view to our understanding of the continent.
The mixing of science and art in Antarctica isn’t new. Some of the earliest explorers brought along painters and photographers. Edward Wilson was a British painter, doctor, and bird expert who journeyed with Robert Falcon Scott on two separate Antarctic expeditions more than 100 years ago. Herbert Ponting was a photographer who also accompanied Scott on one of those expeditions. In hundreds of photos, Ponting captured the beauty of the continent and recorded the daily lives and heroic struggles of the explorers.
Today’s scientists write articles for scientific journals. Unlike the early explorers’ journals, scientific papers can now be very difficult for non-scientists to understand. Writers in Antarctica work to explain the research to the public. Peter Rejcek is editor, writer, and photographer for the Antarctic Sun, an online magazine devoted to news about the U.S. Antarctic Program. Rejeck began his career in the Antarctic in 2003 by spending a year at the South Pole. He has returned every year since，interviewing， scientists about research at Palmer，McMurdo，and South Pole stations.
There are also scientists in Antarctica who work hard to explain their research to the public. Scientist Diane McKnight wrote The Lost Seal，a children’s book that explains the research she and others are doing in an unusual ice-free area in Antarctica called the Dry Valleys.
Antarctica is full of stories and wonders that are scientific, historic and personal. People such as Martin, Surgent, Rejcek, and Diane McKnight are devoted to bringing those stories to as many people as they can. “Some people are going to be scientists，some people are going to be journalists，some people are going to be artists，but we can all work together.” says Surgent, “to celebrate，this extraordinary place.”
1.What do we know about the NSF?
A. It is a government agency.
B. It only funds scientists in Antarctica.
C. It encourages the understanding of human nature.
D. It enables the mixing of science and art for the first time.
2.Why didn’t some earliest explorers bring writers along?
A. Writers were not funded at that time.
B. Writing can’t capture the beauty of the continent.
C. Writers were not interested in popularizing science.
D. Early explorers ’journals can be easily understood by the public.
3.By mentioning Diane McKnight, the author may try to suggest that_____.
A. scientists should explain their research to children
B. writers are not necessary since scientists can tell stories as well
C. telling stories to children is more important than knowing the truth
D. no matter what role we play, we can work together to appreciate Antarctica
4.What would be the best title for this article?
A. Antarctica: A Land for A11
B. The NSF: A Program for All
C. Antarctica: A Land of Beauty and Stories
D. The NSF: A Program for Artists and Scientists
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科目：高中英语 来源：2015-2016学年四川双流中学高二12月月考英语试卷（解析版） 题型：阅读理解
It is said that most people have not more than 30 friends at any given time, and 400 over the whole of their lives. However, on social networking sites, most users have about 150 friends. If these numbers are correct, then friendship means different things in different situations.
Also, there are no rules about friendship. There are no instructions about how to make friends, how to keep friendships going, and how to finish friendships if we want to move on. People have very different opinions about this: some people would die for their friends and they value them more than family. Others say that friends are temporary, only there to help each other until they are no longer needed. If people with such different views become friends, this can lead to problems.
Because of these different definitions of friendship, it is easy to be unhappy about our friendships. We may want them to be deeper or closer, or we may want to have more friends in our lives. Sometimes we simply do not have the time to develop our friendships, or we fear we have left it too late in life to start. If we move to another country or city, we have to find ways to make new friends again.
This dissatisfaction shows us how important friendships are for most of us. We should not think that it could be too late to build friendships. We also need to understand that the need to be around other people is one that is shared by many. Therefore, we should not be too frightened about starting to talk to people who in the future may become our friends: it is likely that they too would like to get closer to us. Remember what people say: strangers are friends we have not met yet.
1.According to the text, how many friends do the majority of people probably have?
A. Over 400 friends in their whole lives
B. 30 friends or fewer at a certain stage
C. 400 internet friends in their whole lives
D. 150 internet friends at a certain stage.
2.What is the main idea of paragraph 2?
A. There is a rule about making friends
B. People with different views can become friends
C. Friendships mean different things to different people
D. Some people would die for their friends if they need to
3.We can learn from the text that most of us_________.
A. need to be with others
B. build friendships late in life
C. are dissatisfied with our friends
D. are frightened to talk to people
4.What is the author’s attitude towards talking to a stranger?
A. Uninterested B. Cautious C. Doubtful D. Positive
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