13．E-money，or electronic money，is money that you exchange electronically，as opposed to actual notes and coin．Generally，you conduct e-money or e-currency transactions（交易）over the Internet，of with smart cards that are linked to a bank account．More and more people are also using mobile phones to make such transactions．
E-money can be used anytime and anywhere．It is probably the best form of money to use for international transactions，as there are no troubles of currency exchange．It is more reliable，faster than paper checks and drafts（匯票），and has low costs of transactions．Today，with e-money becoming more popular，banks are competing to reduce transfer costs and provide account holders with good deals．If you send someone a check，it will take a few days to clear．But with an online money transaction，the money reaches the other person's account almost instantly．These transactions can be made after the bank has closed，and even on holidays．
When you carry a large amount of money，there is always a chance of it being lost or stolen．E-money is safer than currency in this regard．Every transaction requires you to provide a personal identification number （PIN） for the payment to be completed．Electronic funds transfers can be more secure than cash or check transactions．All you have to do is take some simple precautions to make sure that your card or online account is not misused．
Each and every transaction made with electronic money is recorded in the bank's and the user's online records．These records have all the essential information about the transaction：the name of the payer，the name of the receiver，and the date，place and time it took place．This makes it more dependable，and users can access their records of transactions at any time of the day．
21．How many means of e-money transactions arc mentioned in the passage？B
A.1．
B.2．
C.3．
D.4．
22．What does a payer have to provide to complete an c-money transaction？D
A．The receiver's bank account．
B．The payer's mobile phone number．
C．The name of the receiver．
D．The personal identification number．
23．Which is NOT the feature of e-money？A
A．People can use cell phones to make e-money transactions．
B．With online money transactions，you don't worry about where you are and when it is．
C．It can secure your money against being lost or stolen．
D．Each e-money transaction is recorded in the bank's and the user's online records．
24．What's the writer's purpose of writing this passage？D
A．To explain how to use e-money．
B．To show how popular e-money is．
C．To introduce me advantages of e-money．
D．To promote a new kind of transaction．
25．The second and third paragraphs are developedB．
A．by using statistics
B．by making comparisons
C．by giving examples
D．by listing categories．
分析 作者在這篇文章介紹了一種新的電子貨幣交易，并介紹了其優(yōu)點：上電子交易在任何時間任何地點都可以進行、能讓你的錢更安全，而不易被偷或丟失、每筆電子交易都有記錄在銀行和使用者的網(wǎng)上記錄上．
解答 21．B，細節(jié)理解題，根據(jù)句子Generally，you conduct e-money or e-currency transactions（交易）over the Internet，of with smart cards that are linked to a bank account．More and more people are also using mobile phones to make such transactions．可知，文章提到電子貨幣交易可以通過網(wǎng)絡(luò)和手機兩種方式，故答案為B．
22．D，細節(jié)理解題，根據(jù)句子Every transaction requires you to provide a personal identification number （PIN） for the payment to be completed可知，每筆交易都需提供一個個人識別號碼，故答案為D．
23．A，細節(jié)理解題，根據(jù)文章第二三四段的首句可知其特點有：網(wǎng)上電子交易在任何時間任何地點都可以進行、能讓你的錢更安全，而不易被偷或丟失、每筆電子交易都有記錄在銀行和使用者的網(wǎng)上記錄上，故答案為A．
24．D，寫作意圖題，作者在這篇文章介紹了一種新的電子貨幣交易，并在文章的第二三四段介紹了其優(yōu)點，因此作者主要是推廣宣傳這樣一種新的交易方式，故答案為D．
25．B，細節(jié)理解題，短文第二段主要把電子貨幣交易和支票匯票等方式進行對比，而第三段通過把現(xiàn)金支付和電子貨幣交易進行比較，因此主要是通過對比的方式，故答案為B．
點評 解答任務(wù)型閱讀理解題，首先對原文材料迅速瀏覽，掌握全文的主旨大意．因為閱讀理解題一般沒有標題，所以，速讀全文，抓住中心主旨很有必要，在速讀的過程中，應(yīng)盡可能多地捕獲信息材料．其次，細讀題材，各個擊破．掌握全文的大意之后，細細閱讀每篇材料后的問題，弄清每題要求后，帶著問題，再回到原文中去尋找、捕獲有關(guān)信息．最后，要善于抓住每段的主題句，閱讀時，要有較強的針對性．對于捕獲到的信息，要做認真分析，仔細推敲，理解透徹，只有這樣，針對題目要求，才能做到穩(wěn)、準．
