2017年英语四级考试写作试题库：移动支付

　　【英语四级考试写作试题】

　　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. 现在移动支付(手机支付)已经成为一种时尚;

　　2. 移动支付有很多好处，但也有安全隐患;

　　3. 我的建议。

　　【参考答案】

　　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.

　　点评：

　　移动支付的快速发展给人们的生活带来了便捷，人们甚至不用带现金和钱包出门，只要将智能手机上的支付APP打开，经过简单的程序就能完成各类支付。但是与此同时，移动支付对支付的安全提出了更高的要求。伺机已久的黑客们也抓住这一新兴产业的漏洞，将手伸进人们的“移动口袋”里。因此，用户在使用过程中应保持高度警惕，另外，政府部门也应该提升相关的监管力度。文章第一段指出移动支付盛行这一现象;第二段分析了移动支付的利弊;第三段作者结合自己的观点提出建议。

　　Alipay和Wechat payment都是手机支付的常用APP，分别指支付宝和微信支付;go about one’s daily lives意为“忙于日常生活”; be prone to sth.意为“易于受……的影响;有……的倾向”;fall into the possession of sb.意为“被某人占有; 落入某人手中”;fraudster意为“行骗者”;defraud sb. of sth.意为“从某人处骗取某物”;high security risk意为“高度的安全风险”;take sth. into consideration意为“考虑到，顾及”;payment accounts and passwords意为“支付账号和密码”。supportive regulatory environment意为“有力的监管环境”。

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