20.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 87.2percent 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 1.43billion 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''9.3 trillion yuan ($1.41 trillion) worth of third party mobile payment market is donated by Alibaba and Tencent.
32.Which of the following is not the purpose of CMB's cooperation with Didi.D
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
33.What can be inferred from the passage?B
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.The majority of Didi users will pay by CMB in-app credit card
34.What's Li Chao'attitude towards the partnership between CMB and Didi?A
A.cautious
B.positive
C.indifferent
D.disapproving
35.The main idea of this passage is thatA.
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.
分析 CMB(招商银行)已经与移动打车应用巨头Didi(嘀嘀打车)的建立了合作关系,本文为我们带来了详细的解读.
解答 32.D细节理解题.根据第五段的"CMB is expected to use Didi to reach the core users of China's mobile payment market."可知A项正确.再根据"The new partnership will help improve service quality and customer loyalty."可知B项正确.又由第七段的"the two companies are going to launch joint credit cards in late February and automobile financing services for Didi's car owners."可知C项正确.D项在文中并没有提及.
33.B推理判断题.根据倒数第二段Li Chao的话中"its customers have formed the habit of paying by WeChat or Alipay."以及"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."可知传统的银行业务正在面临来自移动支付的巨大的挑战.故选B.
34.A 推理判断题.根据文章倒数第二段"said the partnership may not significantly boost CMB's mobile payment business"注意关键词may not可知Li Chao对这件事持一个很谨慎的态度.并不是十分肯定CMB与Didi的合作可以给CMB带来很大的收益.故选A.
35.A主旨大意题.这是一篇新闻文体类文章.文章主要介绍的就是CMB与Didi建立的合作关系.故选A.
点评 这类题材阅读理解时要求考生对文章通读一遍,做题时结合原文和题目有针对性的找出相关语句进行仔细分析,结合选项选出正确答案.推理判断题也是要在抓住关键句子的基础上合理的分析才能得出正确答案,切忌胡乱猜测,一定要做到有理有据.