上海市松江区2023-2024学年高三上学期期末质量监控英语试卷 (1).docxVIP

试卷第=page11页，共=sectionpages33页

试卷第=page11页，共=sectionpages33页

上海市松江区2023-2024学年高三上学期期末质量监控英语试卷

学校:___________姓名：___________班级：___________考号：___________

一、语法填空

Directions:Afterreadingthepassagebelow,fillintheblankstomakethepassagecoherentandgrammaticallycorrect.Fortheblankswithagivenword,fillineachblankwiththeproperformofthegivenword;fortheotherblanks,useonewordthatbestfitseachblank.

BuyNow,PayLaterSpending

Buynow,paylater(BNPL)spendingisexpectedtorisetorecordlevelsthisholidayseason.Withsomanyyoung“buynow,paylater”shoppersalreadyindebtfromthisshort-termfinancingtoolnotrequiringinterest,questionsemerge:Whydotheseshoppersusesuchatool?Andwhatrisksdoesitposetotheirbudgetsinthemonths1(come)?

ThemanyGenerationZandmillennials(typicallyaround40yearsandyounger)tendtousethisshort-termfinancing,2allowsthemtobuyitemsandpayforthemovertime.Offeredmostlybyfinancialtechnologies,BNPLallowsthesecustomerstopaybacktheirpurchases3interestandwiththefirstpaymentusuallymadeatcheckout.Themostcommon“buynow,paylater”planis4customersmakefourequalpaymentsandpayoffthedebtinsixweeks.It’sbeenalifelineforsomepeople,suchasauniversitystudent5weeklyincomeisnotbigenough.“BNPLprovidesconsumerswithflexiblepaymentoptionssothey6managespending,”saidVivekPandya,leadanalystatAdobeDigitalInsights.Thatisofgreatimportanceformanyconsumers,especially7withatendencytopurchasehigher-costitems.

However,sinceBNPL8(appear),warningsfromexpertshavecomeintoourview.Theyhavebeenindicatingthatit’sfinanciallyunhealthytoformsuchaspendinghabit.AccordingtoNewYorkFederalReserveeconomists,BNPLmayencouragedebttoincreaseovertime,9(influence)aconsumer’sabilitytomee