登录
A(2025·泰州市海陵区模拟)
"Buy Now, Pay Later" (BNPL) is a popular way to pay for things online. Instead of paying all the money at once, people can split their payments(款额) into smaller parts, often without extra costs. For example, if a phone costs 600, you might pay 100 every month for six months.
New research shows that using BNPL makes people spend more. People who use BNPL are more likely to buy things. The chance of buying goes up from 17% to 26%. Also, because of BNPL, they buy 10% more things than before when they shop. The data(数据) also shows an important thing about BNPL. Later studies found that the increase in spending lasts for about six months. This means BNPL makes people spend more for a long time, not just for a short while.
Researchers did experiments to see how BNPL makes people spend more. BNPL makes people feel less stressed about money. This feeling makes people add more items to their shopping carts. They think, "If I pay a little now, I can afford more!" Tom, a college student, wanted a 600 phone. Paying all at once made him feel terrible, but BNPL let him pay 150 in four monthly instalments. He thought, "Only 150 now? That's easy!" This made him believe he could control his money better. Also, Tom added earphones (80) and a phone case (20). "I'll just pay 25 more each time!" Soon the total amount was 700 instead of 600.
At first, BNPL seems good for everyone. Shops sell more, and buyers get what they want quickly. But there's a problem. People who already struggle with money might borrow too much. Just as eating too much candy feels good at first but makes you sick later, BNPL can cause money trouble if used carelessly.
BNPL has both sides. Shops should check if buyers can really afford the payments. Everyone should ask, "Do I need this now? Can I pay later without stress?" Remember, small payments add up quickly!
26. What does the underlined word "split" in Paragraph 1 probably mean?
A. Divide.
B. Cancel.
C. Reduce.
D. Mix.
27. According to the research, the chance of buying for people who use BNPL increases by
A. 7%
B. 9%
C. 10%
D. 26%
28. How much should Tom pay every month according to Paragraph 3?
A. 100.
B. 150.
C. 175.
D. 250.
29. How does the writer show that BNPL makes people spend more?
A. By listing a few numbers.
B. By asking questions.
C. By comparing some facts.
D. By giving an example.
30. (创新考法·态度推断)What does the writer think of BNPL?
A. It should be stopped to avoid money trouble.
B. It is only useful for buying expensive items.
C. It is very helpful, but we must use it wisely.
D. It is a perfect payment method for everyone.
"Buy Now, Pay Later" (BNPL) is a popular way to pay for things online. Instead of paying all the money at once, people can split their payments(款额) into smaller parts, often without extra costs. For example, if a phone costs 600, you might pay 100 every month for six months.
New research shows that using BNPL makes people spend more. People who use BNPL are more likely to buy things. The chance of buying goes up from 17% to 26%. Also, because of BNPL, they buy 10% more things than before when they shop. The data(数据) also shows an important thing about BNPL. Later studies found that the increase in spending lasts for about six months. This means BNPL makes people spend more for a long time, not just for a short while.
Researchers did experiments to see how BNPL makes people spend more. BNPL makes people feel less stressed about money. This feeling makes people add more items to their shopping carts. They think, "If I pay a little now, I can afford more!" Tom, a college student, wanted a 600 phone. Paying all at once made him feel terrible, but BNPL let him pay 150 in four monthly instalments. He thought, "Only 150 now? That's easy!" This made him believe he could control his money better. Also, Tom added earphones (80) and a phone case (20). "I'll just pay 25 more each time!" Soon the total amount was 700 instead of 600.
At first, BNPL seems good for everyone. Shops sell more, and buyers get what they want quickly. But there's a problem. People who already struggle with money might borrow too much. Just as eating too much candy feels good at first but makes you sick later, BNPL can cause money trouble if used carelessly.
BNPL has both sides. Shops should check if buyers can really afford the payments. Everyone should ask, "Do I need this now? Can I pay later without stress?" Remember, small payments add up quickly!
26. What does the underlined word "split" in Paragraph 1 probably mean?
A. Divide.
B. Cancel.
C. Reduce.
D. Mix.
27. According to the research, the chance of buying for people who use BNPL increases by
B
.A. 7%
B. 9%
C. 10%
D. 26%
28. How much should Tom pay every month according to Paragraph 3?
A. 100.
B. 150.
C. 175.
D. 250.
29. How does the writer show that BNPL makes people spend more?
A. By listing a few numbers.
B. By asking questions.
C. By comparing some facts.
D. By giving an example.
30. (创新考法·态度推断)What does the writer think of BNPL?
A. It should be stopped to avoid money trouble.
B. It is only useful for buying expensive items.
C. It is very helpful, but we must use it wisely.
D. It is a perfect payment method for everyone.
答案
26. A 27. B 28. C 29. D 30. C
