阅读理解

Children may not be using pigsy banks(储钱罐)for much longer; with the move towards acashless society, pocket money is moving digital. To reflect this trend, all of a sudden a lot ofmobile budgeting apps for children have been developed worldwide: GoHenry, Osper and Gimi,toname a few.

These apps offer a simple money management service to children, often for a monthly fee paidby parents. Parents can add money to children's accounts,set limits and monitor transactions,while children can choose to save their money or spend it using a prepaid card. The apps suggestminimum ages ranging from six to nine for the prepaid card.

The companies behind the apps argue that in an increasingly cashless society, these apps canbe a valuable way of teaching young children about money. Two thirds of adults globally know littleabout finance, according to a recent survey, and one in four teenagers are unable to make evensimple decisions on everyday spending.

These apps aim to overcome this, claiming to teach children financial concepts, such asbudgeting, interest rates and income. For instance, the Swedish app Gimi—with 1.2 million usersglobally—has online savings jars where children can deposit money. Parents can pay childreninterest as they save, and pay children for completing household tasks. The account is attached to aprepaid card that is currently available in Sweden only, but expected to launch elsewhere in Europein the near future.

"Cash was the best way to teach people about financial knowledge because it's so easy to grasp,"Philip Haglund, CEO of Gimi, mentions."Now money is being transferred through somekind of cyberspace, which is really abstract and hard for anyone to understand.”Haglund believesthe app can teach responsible spending habits, whereas schools tend to focus more on economictheories."You don't become better at money management just because you have a degree ineconomics. It's more about the attitude and the relationship you have with parents'money whenyou're six to 12 years old," he says.

But Catherine Winter, managing director of financial capability at The London Institute ofBanking & Finance, warns that while digital tools can help, there needs to be a more structuredapproach to financial education. The area should "have regular classroom time and ideally should betaught as a separate subject," she says."Children would then have the right context and foundationto get the most out of both the apps and their money."

【正确答案】 C

【答案解析】根据倒数第二段第三句“Haglund believes the app can teach responsiblespending habits..”和倒数第二段中Philip Haglund说的话"You don't become better atmoney management just because you have a degree in economics. It's more about theattitude…you have with parents'money…”可知，Philip Haglund认为，你不会仅仅因为拥有经济学学位而更擅于进行金钱管理，更重要的是在6到12岁期间你对父母的金钱的态度，而这个应用程序(Gimi)可以教孩子养成负责任的消费习惯。由此可推知，拥有经济学学位并不能保证能管理好金钱，而应用程序Gimi有助于孩子养成对金钱的积极态度，因此A项不正确，C项正确。根据倒数第二段中Philip Haglund说的话"Cash was the best way to teach people about financial knowledge because it's so easy tograsp,"和"Now money is being transferred through some kind of cyberspace, which isreally abstract and hard for anyone to understand.”可知，现金是教授人们关于财务知识的最佳方式，因为它非常易于理解，而现在金钱是通过某种网络空间进行转移的，这种形式很抽象，任何人都很难理解。由此可推知，网络空间并不是儿童获取财务知识的最佳媒介，大多数人难以理解的并不是现金交易，而是网络空间内的金钱交易，因此B、D两项不正确。故选C。