四级预测作文（.6）（一）Directions : For this part, you are allowed 30 minutes to write a short essay entitled Mobile Payment following the outline given below. You should write at least 1 20 words but no more than 180 words. 1. 目前移动支付（手机支付）已经成为一种时尚；2. 移动支付有诸多好处，但也有安全隐患；3. 我的提议。Mobile PaymentDriven by the explosive growth of online shopping as well as Internet financial services, mobile payment is becoming more and more popular. It is believed that a majority of you have benefited from mobile payment apps such as Alipay and Wechat payment. Mobile payment is both fast and convenient. It allows users to make instant online, in-store and vending machine payments, and generally go about their daily lives without needing to carry cash or a physical wallet. As for businesses, especially small businesses, mobile payment enable them to keep thier operating costs low, increase sales volume, and give their customers the convenient experience and payment flexibility to compete with larger retailers. Despite all the advantages presented above, mobile payment systems are prone to fraud. If the users’ personal and financial information falls into the possession of fraudsters, then they can defraud the users of their money.Therefore, high security risk is the key factor users should take into consideration when making mobile payments. They should pay attention to carefully protect their payment accounts and passwords. Meanwhile, governments should develop a supportive regulatory environment in order to effectively manage the potential risks.点评：移动支付的迅速发展给人们的生活带来了便捷，人们甚至不用带现金和钱包出门，只要将智能手机上的支付 APP 打开，通过简单的程序就能完毕各类支付。不过与此同步，移动支付对...
