17939财经专业英语教程（第二版） 宋德富葛志宏U16

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1、Unit16Passage:TheCashlessSociety（Ⅰ）[Para1]Anamazingphenomenonisinthebeginningstages.Millionsofpeoplealivetodayrecallatimewhenitwasimpossibletomakearetailpurchasewithouttheuseofsomeformofcash,eithercoinsorpapermoney.Today,manyofthesamepeoplecanreadilybuyawidearrayofgoodsandserviceswitho

2、utneedingtopaycashimmediately.Acashlesssocietymaybeinthemaking.[Para2]Someeconomistspredictthatcoinsandpapermoneymayhaveonlyincidentalusebytheyear2010.Theypointoutthatanumberofpracticesandsystemsalreadyinplacerequirenohandlingofcashandarerapidlybeingimprovedandexpanded.Personalchecking

3、accounts,creditcards,accesscardsforautomatedtellermachines,telephonebankingservices,computer-basedhomebanking,directdepositingofchecks,andmoneytransferservicesarecitedasexamplesofmodesoffinancialtransactionthatarelikelytocausetheuseofcashtodeclineintheyearsahead.[Para3]Todayhardlyastor

4、eorrestaurantrefusestohonoratleastonecreditcard.Manystoresnowoffertheirownexclusivecreditcards.Therearealsobankdebitcardsavailablethatmakeitpossibletodeductthepriceofpurchasesdirectlyfromindividualcheckingaccounts.Andarelativelynewtrendistheapplicationoffarecardsforcommuters.Designedfo

5、rrapidinsertionintoautomatictollmetersonhighwaysandattrainstations,theyhelpeasevehiculartrafficandpassengercongestionbyeliminatingtheneedtofumbleforthecorrectchange.Telephonecardsarenowfairlycommonplaceaswell.[Para4]CurrenttrendsintheAmericanlifestyleindicatethatthepublicacceptstheidea

6、thatitshouldnotbenecessaryalwaystohavecashonhandforthepurchaseofgoodsandservices.Thereareanumberofreasonsforthisattitude.Manypeople,outoffearofbeingvictimizedbycrime,prefernottocarrylargesumsofmoney.Inaddition,manypeoplewithlowincomeshavebecomeaccustomedtousingfoodstampsasasubstitutefo

7、rcashinthegrocerystore.[Para5]Barterexchangesareonceagainanacceptedmeansofacquiringthingswithoutreadycash.Homeshoppingnetworksoncabletelevisionhavearousedtheinterestofstay-at-homeshopper.Sotoohavethemail-orderofferingsputoutbymajorcatalogcompaniesanddepartmentstores.Peopleoftenprefer