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Ld緩0R筽鵞筽/e豊sS觺梴剉He+++++KK# t冫t冫;6?6??6?6<C # t冫t冫RLj媅SO% ( T?Lh済 蜰 €'Y'Y衏貧/e豊He噑0+++++KK# t冫t冫;6?6??6?6<C # t冫t冫# t冫t冫K% €( % €(   I4--I4,J4--0-333-宋体-. 333.2 高一语文期末复习专项练习一,,J4-宋体- 72  一、阅读下面的文字，完成下面小题,,J4宋体-2 材料一：,,J4Calibri-2 2020,,J4宋体- 2 年,,J4Calibri- 2 10,,J4宋体-j2 B月，深圳市政府联合央行开展数字人民币（央行数字货币）红包试点，深圳,,J4宋体-2 市罗湖区政府出资,,J4Calibri-2 1000,,J4宋体-2 万元,,J4 2 ，,,J42 面向,,J4Calibri- 2 5,,J4宋体-(2 万名市民发放数字人民币,,J4 2 "。,,J42 #截至,,J4Calibri- 2 %10,,J4宋体- 2 '月,,J4Calibri- 2 (18,,J4宋体- 2 )日,,J4Calibri- 2 +24,,J4宋体- 2 ,时,,J4 2 -，,,J4 2 .有,,J4Calibri-2 4.76,,J4,,J4宋体-+2 万人领取了数字人民币红包,,J4 2 ，,,J42  支付业务量达,,J4Calibri- 2 6,,J4宋体-2 万多笔,,J4 2 ，,,J42  支付金额,,J4Calibri-2 %876.42,,J4宋体-2 (万元,,J4 2 *。,,J42 +继深圳多,,J4宋体-2 个用户和多家商户,,J4 2 “,,J42 尝鲜,,J4 2 ”,,J4U2 4后，未来，数字人民币无疑将在更大范围内走进人们生活。,,J4宋体-y2 L据使用数字货币的消费者透露，使用数字货币支付消费与使用支付宝、微信差不多，只,,J4宋体-=2 $需在手机屏幕上把支付二维码展示给商家,,J4 2 ，,,J42 用专门的,,J4Calibri- 2 POS.,,J4宋体-2 机扫一下就能付款,,J4 2 (，,,J42 ( 非常快速便捷,,J4 2 .。,,J4宋体-F2 *数字人民币的支付可通过手机中的近场通信功能,,J4 2 ，,,J4%2 用户在网络离线状态下,,J4 2 &，,,J42 ' 也能让手机与,,J4Calibri- 2 -PO,,J4 2 .S,,J4宋体-2 机实现正常交易。,,J4宋体-R2 2数字人民币是由中国人民银行发行的数字形式的法定货币,,J4 2 "。,,J4+2 "由指定运营机构参与运营并,,J4宋体-2  向公众兑换,,J4 2  ，,,J4%2  以广义账户体系为基础,,J4 2 ，,,J4(2 支持银行账户松耦合功能,,J4 2 "，,,J42 #与纸钞和硬币等价,,J4 2 ,，,,J42 -具有,,J4宋体-72  价值特征和法偿性，支持可控匿名。,,J4Calibri-2 2019,,J4宋体-C2  (年我国数字经济已经占到国民经济生产总值的,,J4Calibri- 2 36%9,,J4宋体-2 !以上,,J4 2 "，,,J4(2 #数字货币推出的时机基本,,J4宋体-2 成熟,,J4 2 ，,,J4O2 0全面推广数字货币将大大提速我国整个数字经济的发展,,J4 2 "。,,J4+2 "数字货币红包在深圳的成功,,J4宋体-y2 L试水，证明我国目前已经初步具备推出数字货币的金融基础设施条件和用户认知基础。,,J4宋体-@2 !&数字人民币并不会形成对纸钞和硬币的替代,,J4 2 !，,,J42 !后者仍将正常使用,,J4 2 !%。,,J42 !%专家表示,,J4 2 !*，,,J42 !+数字人民,,J4宋体-12 "币的发行以市场化的方式来进行,,J4 2 "，,,J4(2 "根据老百姓的需要来使用,,J4 2 " 。,,J4.2 ""市场上讨论更多的是数字人民,,J4宋体-p2 $F币与微信、支付宝的区别，两者根本不是同一个维度上的东西。微信、支付宝是,,J4 2 $*“,,J42 $+钱包,,J4 2 $.”,,J4 2 $.，,,J4宋体-(2 %而数字人民币是里面装的,,J4 2 %“,,J4 2 %钱,,J4 2 %”,,J4U2 %4。未来微信、支付宝里面用来支付的内容会增加数字人民币,,J4宋体-2 '的选项。,,J4宋体-R2 )2市场上对于数字货币账户是否和手机号绑定普遍存在误解,,J4 2 )"。,,J42 )"专家称,,J4 2 )%，,,J42 )'数字货币账户并不,,J4宋体-2 +是和手机号绑定,,J4 2 +，,,J4=2 +$只是利用手机号进行数字人民币钱包开立,,J4 2 + 。,,J42 +"如果没有这个载体,,J4 2 +*，,,J42 ++没有办法,,J4宋体-m2 ,D发回验证码，但这是用作认证的必要信息，并不是和手机号进行绑定的概念。,,J4宋体-F2 .*我国数字货币的全面推出还需解决以下主要问题,,J4 2 .：,,J4+2 .一是需要修改相关法律法规,,J4 2 .+，,,J42 .,让我国,,J4宋体-@2 /&的主权数字货币具有进一步推广的法理基础,,J4 2 /。,,J4C2 /(二是我国金融机构的数字化基础还要进一步加,,J4宋体- 2 1速,,J4 2 1。,,J4U2 14三是我国相关的实体产业数字化要跟上数字货币推进的速度,,J4 2 1"，,,J4(2 1#从而更好发挥金融赋能实,,J4宋体-2 2体经济发展的作用,,J4 2 2。,,J4+2 2四要夯实金融安全网的建设,,J4 2 2，,,J4%2 2确保金融体系安全运行,,J4 2 2'，,,J42 2(真正能够让公众,,J4宋体-"2 4放心使用数字货币。,,J4,,J4,,J4,,J4@2 4&（摘编自温源《数字货币如何影响百姓生活,,J4 2 4$》,,J4 2 4%）,,J4宋体-2 5材料二：,,J4宋体-v2 7J随着经济社会数字化转型进程不断推进，数字货币将在支付体系运行效率、普惠服务,,J4 2 7.、,,J4宋体-p2 8F安全保障等方面产生积极影响，当然在其发展过程中也会有一些问题需要解决。,,J4宋体-L2 :.发行数字货币能够直接降低货币的印制发行流通成本,,J4 2 :。,,J42 : 现代社会中,,J4 2 :%，,,J42 :'无论是纸币还是硬,,J4宋体- 2 <币,,J4 2 <，,,J4F2 <*发行环节的印制和防伪技术都需要花费较高成本,,J4 2 <。,,J42 < 在流通环节,,J4 2 <#，,,J4%2 <%金融机构需要承担现金,,J4宋体-2 =运输,,J4 2 =、,,J42 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