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2023-2024学年上海市松江区高三上学期期末质量监控英语试卷
Directions:Afterreadingthepassagebelow,fillintheblankstomakethepassagecoherentand
grammaticallycorrect.Fortheblankswithagivenword,fillineachblankwiththeproperformof
thegivenword;fortheotherblanks,useonewordthatbestfitseachblank.
BuyNow,PayLaterSpending
Buynow,paylater(BNPL)spendingisexpectedtorisetorecordlevelsthisholidayseason.Withso
manyyoung“buynow,paylater”shoppersalreadyindebtfromthisshort-termfinancingtoolnot
requiringinterest,questionsemerge:Whydotheseshoppersusesuchatool?Andwhatrisksdoesit
posetotheirbudgetsinthemonths1(come)?
ThemanyGenerationZandmillennials(typicallyaround40yearsandyounger)tendtousethis
short-termfinancing,2allowsthemtobuyitemsandpayforthemovertime.Offeredmostlyby
financialtechnologies,BNPLallowsthesecustomerstopaybacktheirpurchases3interestand
withthefirstpaymentusuallymadeatcheckout.Themostcommon“buynow,paylater”planis4
customersmakefourequalpaymentsandpayoffthedebtinsixweeks.It’sbeenalifelineforsome
people,suchasauniversitystudent5weeklyincomeisnotbigenough.“BNPLprovides
consumerswithflexiblepaymentoptionssothey6managespending,”saidVivekPandya,lead
analystatAdobeDigitalInsights.Thatisofgreatimportanceformanyconsumers,especially7
withatendencytopurchasehigher-costitems.
However,sinceBNPL8(appear),warningsfromexpertshavecomeintoourview.Theyhavebeen
indicatingthatit’sfinanciallyunhealthytoformsuchaspendinghabit.AccordingtoNewYork
FederalReserveeconomists,BNPLmayencouragedebttoincreaseovertime,9(influence)a
consumer’sabilitytomeetnon-BNPLcommitments,oruserstooverextendthemselves.Users
shouldalsonotethat10in
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