黑客归来
<p> 2015复习正是强化复习阶段，在考研英语中占了40分，所以考研英语阅读是英语科目中重要的一项。名师老师曾建议过考研生需要坚持每天泛读10-15分钟的英文原刊。强烈推荐了杂志《经济学人》.杂志中的文章也是考研英语的主要材料来源.希望考研考生认真阅读，快速提高考研英语阅读水平。 <span word="Banks">Banks</span> <span word="and">and</span> <span word="fraud">fraud</span> 银行与骗子 <span word="Hacking">Hacking</span> <span word="back">back</span> 黑客归来 <span word="Bankers">Bankers</span> <span word="go">go</span> <span word="undercover">undercover</span> <span word="to">to</span> <span word="catch">catch</span> <span word="bad">bad</span> <span word="guys">guys</span> 银行业者为抓坏蛋化身卧底 <span word="Funny">Funny</span>, <span word="you">you</span> <span word="don">don</span> <span word="t">t</span> <span word="look">look</span> <span word="like">like</span> <span word="a">a</span> <span word="banker">banker</span> 搞笑，你看起来并不像银行业者 <span word="FIVE">FIVE</span> <span word="years">years</span> <span word="ago">ago</span> <span word="MI">MI</span>5,<span word="Britain">Britain</span> <span word="s">s</span> <span word="security">security</span> <span word="service">service</span>, <span word="sent">sent</span> <span word="a">a</span> <span word="document">document</span> <span word="to">to</span> <span word="British">British</span> <span word="firms">firms</span>, <span word="givingwarning">givingwarning</span> <span word="that">that</span> <span word="Chinese">Chinese</span> <span word="spies">spies</span> <span word="could">could</span> <span word="be">be</span> <span word="seeking">seeking</span> <span word="to">to</span> <span word="exploit">exploit</span> <span word="vulnerabilities">vulnerabilities</span> <span word="such">such</span> <span word="as">as</span> <span word="sexualrelationships">sexualrelationships</span> <span word="among">among</span> <span word="Western">Western</span> <span word="businesspeople">businesspeople</span>. <span word="Moneymen">Moneymen</span> <span word="are">are</span> <span word="obvious">obvious</span> <span word="targets">targets</span> <span word="for">for</span> <span word="honeytraps">honeytraps</span>, <span word="but">but</span> <span word="they">they</span> <span word="can">can</span> <span word="set">set</span> <span word="them">them</span> <span word="tooas">tooas</span> <span word="they">they</span> <span word="are">are</span> <span word="increasingly">increasingly</span> <span word="doing">doing</span> <span word="to">to</span> <span word="catch">catch</span> <span word="cyber">cyber</span>-<span word="fraudsters">fraudsters</span>. 5年前，英国的安全部门军情五处向英国的公司发送了一个预警文件：中国间谍可能正寻找西方商人可利用的弱点，如性关系。显而易见，美人计是冲着经融家来的，但银行家们也可以使用反间计，正如他们为了抓住网络间谍所做的那样。 <span word="A">A</span> <span word="midsized">midsized</span> <span word="American">American</span> <span word="bank">bank</span> <span word="has">has</span> <span word="taken">taken</span> <span word="a">a</span> <span word="leaf">leaf</span> <span word="out">out</span> <span word="of">of</span> <span word="Ian">Ian</span> <span word="Fleming">Fleming</span> <span word="s">s</span> <span word="book">book</span> <span word="with">with</span> <span word="a">a</span> <span word="project">project</span>, <span word="knowninternally">knowninternally</span> <span word="as">as</span> <span word="Honey">Honey</span> <span word="Banker">Banker</span>, <span word="to">to</span> <span word="smoke">smoke</span> <span word="out">out</span> <span word="fraudulent">fraudulent</span> <span word="payments">payments</span>. <span word="It">It</span> <span word="has">has</span> <span word="created">created</span> <span word="a">a</span> <span word="coterieof">coterieof</span> <span word="non">non</span>-<span word="existent">existent</span> <span word="bankers">bankers</span>, <span word="with">with</span> <span word="fake">fake</span> <span word="e">e</span>-<span word="mail">mail</span> <span word="addresses">addresses</span> <span word="and">and</span> <span word="biographies">biographies</span>, <span word="whose">whose</span> <span word="details">details</span> <span word="appear">appear</span> <span word="onbogus">onbogus</span> <span word="web">web</span> <span word="pages">pages</span> <span word="not">not</span> <span word="linked">linked</span> <span word="to">to</span> <span word="the">the</span> <span word="rest">rest</span> <span word="of">of</span> <span word="the">the</span> <span word="bank">bank</span> <span word="s">s</span> <span word="website">website</span>. <span word="If">If</span> <span word="a">a</span> <span word="transfer">transfer</span> <span word="request">request</span> <span word="comesin">comesin</span> <span word="to">to</span> <span word="one">one</span> <span word="of">of</span> <span word="these">these</span> <span word="aliases">aliases</span>, <span word="it">it</span> <span word="is">is</span> <span word="likely">likely</span> <span word="to">to</span> <span word="be">be</span> <span word="from">from</span> <span word="a">a</span> <span word="fraudster">fraudster</span>. <span word="The">The</span> <span word="bank">bank</span> <span word="blocks">blocks</span> <span word="the">the</span> <span word="sender">sender</span> <span word="sinternet">sinternet</span> <span word="address">address</span>, <span word="pending">pending</span> <span word="further">further</span> <span word="investigation">investigation</span>. 美国一家中型银行仿照<span word="Ian">Ian</span> <span word="Fleming">Fleming</span>书中的一个计划，行内称为蜂蜜银行家，类似为取蜂蜜而用烟将蜜蜂熏赶出蜂巢那样查出欺诈性付款。这一计划创造了一个不存在的银行家的小群体，他们使用虚假的邮箱地址和生平事迹，他们的详细资料刊登在虚假的网页上，且这些网页没有链接到其他的银行网站。如果有人将转会申请提交给其中一个化名银行家，他就有可能是个骗子。银行就会封锁申请者的网络地址，以等待进一步调查。 <span word="Though">Though</span> <span word="not">not</span> <span word="yet">yet</span> <span word="widespread">widespread</span>, <span word="this">this</span> <span word="sort">sort</span> <span word="of">of</span> <span word="counter">counter</span>-<span word="intelligence">intelligence</span> <span word="tactic">tactic</span> <span word="is">is</span> <span word="becoming">becoming</span> <span word="morecommon">morecommon</span> <span word="as">as</span> <span word="banks">banks</span> <span word="look">look</span> <span word="for">for</span> <span word="creative">creative</span> <span word="ways">ways</span> <span word="to">to</span> <span word="ensnare">ensnare</span> <span word="the">the</span> <span word="online">online</span> <span word="scammers">scammers</span>, <span word="says">says</span> <span word="AaronGlover">AaronGlover</span>, <span word="a">a</span> <span word="fraud">fraud</span> <span word="expert">expert</span> <span word="at">at</span> <span word="SunTrust">SunTrust</span>, <span word="another">another</span> <span word="American">American</span> <span word="bank">bank</span>. <span word="Some">Some</span> <span word="banks">banks</span> <span word="have">have</span> <span word="hiredprofessional">hiredprofessional</span> <span word="spies">spies</span>, <span word="as">as</span> <span word="HSBC">HSBC</span> <span word="did">did</span> <span word="when">when</span> <span word="it">it</span> <span word="employed">employed</span> <span word="a">a</span> <span word="former">former</span> <span word="head">head</span> <span word="of">of</span> <span word="MI">MI</span>5. 就职于另一家美国银行<span word="SunTrust">SunTrust</span>的防骗专家<span word="Aaron">Aaron</span> <span word="Glover">Glover</span>说，这种反间谍策略尽管还未被广泛使用，但随着银行寻找创造性的方法来诱捕网络骗子，这种策略正变得越来越普遍。正如汇丰银行以前聘请军情五处的前负责人那样，一些银行已经聘请了专业的间谍。 <span word="The">The</span> <span word="amount">amount</span> <span word="a">a</span> <span word="fraudster">fraudster</span> <span word="can">can</span> <span word="steal">steal</span> <span word="depends">depends</span> <span word="on">on</span> <span word="the">the</span> <span word="number">number</span> <span word="of">of</span> <span word="mule">mule</span> <span word="accountsset">accountsset</span> <span word="up">up</span> <span word="by">by</span> <span word="paidor">paidor</span> <span word="cajoled">cajoled</span> <span word="accomplicesthat">accomplicesthat</span> <span word="he">he</span> <span word="has">has</span> <span word="to">to</span> <span word="divert">divert</span> <span word="funds">funds</span> <span word="into">into</span>. <span word="This">This</span> <span word="number">number</span> <span word="is">is</span> <span word="constrained">constrained</span> <span word="byaccount">byaccount</span>-<span word="opening">opening</span> <span word="restrictions">restrictions</span>, <span word="including">including</span> <span word="requirements">requirements</span> <span word="that">that</span> <span word="accounts">accounts</span> <span word="have">have</span> <span word="to">to</span> <span word="be">be</span> <span word="opened">opened</span> <span word="inperson">inperson</span>. <span word="East">East</span> <span word="European">European</span> <span word="crime">crime</span> <span word="rings">rings</span> <span word="will">will</span> <span word="pay">pay</span> <span word="mules">mules</span> <span word="to">to</span> <span word="fly">fly</span> <span word="toAmerica">toAmerica</span>, <span word="where">where</span> <span word="they">they</span> <span word="can">can</span> <span word="set">set</span> <span word="upaccounts">upaccounts</span> <span word="as">as</span> <span word="non">non</span>-<span word="resident">resident</span> <span word="aliens">aliens</span>. <span word="Other">Other</span> <span word="fraudsters">fraudsters</span> <span word="will">will</span> <span word="persuade">persuade</span> <span word="gullible">gullible</span> <span word="Americans">Americans</span> <span word="to">to</span> <span word="openaccounts">openaccounts</span> <span word="in">in</span> <span word="their">their</span> <span word="own">own</span> <span word="name">name</span> <span word="and">and</span> <span word="hand">hand</span> <span word="over">over</span> <span word="the">the</span> <span word="details">details</span>, <span word="after">after</span> <span word="convincing">convincing</span> <span word="them">them</span> <span word="that">that</span> <span word="they">they</span> <span word="havebeen">havebeen</span> <span word="picked">picked</span> <span word="as">as</span> <span word="secret">secret</span> <span word="shoppers">shoppers</span> <span word="to">to</span> <span word="rate">rate</span> <span word="bank">bank</span> <span word="service">service</span>. <span word="Even">Even</span> <span word="so">so</span>, <span word="scammers">scammers</span> <span word="have">have</span> <span word="a">a</span> <span word="finitesupply">finitesupply</span> <span word="of">of</span> <span word="mule">mule</span> <span word="accounts">accounts</span>, <span word="says">says</span> <span word="Mr">Mr</span> <span word="Glover">Glover</span>. <span word="The">The</span> <span word="more">more</span> <span word="of">of</span> <span word="them">them</span> <span word="that">that</span> <span word="can">can</span> <span word="be">be</span> <span word="identified">identified</span> <span word="andshut">andshut</span> <span word="off">off</span> <span word="using">using</span> <span word="undercover">undercover</span> <span word="operations">operations</span>, <span word="the">the</span> <span word="less">less</span> <span word="room">room</span> [<span word="criminals">criminals</span>] <span word="have">have</span> <span word="to">to</span> <span word="operate">operate</span>. 诈骗者能够窃取的数量取决于洗钱账户的数目，这些账户由收买的或诱骗的共犯开设的，而诈骗者必定会将资金转入这些账户。账户数目受到开户条件的限制，包括必须由本人人亲自去开户。东欧的犯罪团伙花钱雇佣洗钱者飞往美国，并使用偷来的身份证以非定居的外国人身份开设账户。其他诈骗者将劝说易被骗的美国人去以他们自己的名义开户，在说服他们之后，他们就被选为用来评价银行服务的神秘顾客。 <span word="Glover">Glover</span>先生说，即使如此，诈骗者拥有限量供应的洗钱账户。卧底行动若能辨识并关闭越多的洗钱账户，那么诈骗者所能运作的犯罪空间就越少。 <span word="Banks">Banks</span> <span word="are">are</span> <span word="also">also</span> <span word="using">using</span> <span word="similar">similar</span> <span word="strategies">strategies</span> <span word="to">to</span> <span word="infiltrate">infiltrate</span> <span word="the">the</span> <span word="dark">dark</span> <span word="recesses">recesses</span> <span word="of">of</span> <span word="the">the</span> <span word="internet">internet</span> <span word="in">in</span> <span word="whichcriminals">whichcriminals</span> <span word="buy">buy</span> <span word="and">and</span> <span word="sell">sell</span> <span word="stolen">stolen</span> <span word="financial">financial</span> <span word="data">data</span>. <span word="A">A</span> <span word="fraud">fraud</span> <span word="investigator">investigator</span> <span word="at">at</span> <span word="a">a</span> <span word="large">large</span> <span word="American">American</span> <span word="banksays">banksays</span> <span word="that">that</span> <span word="since">since</span> <span word="the">the</span> <span word="massive">massive</span> <span word="theft">theft</span> <span word="of">of</span> <span word="credit">credit</span>-<span word="card">card</span> <span word="data">data</span> <span word="last">last</span> <span word="year">year</span> <span word="from">from</span> <span word="Target">Target</span>, <span word="a">a</span> <span word="retailer">retailer</span>, <span word="hisbank">hisbank</span> <span word="has">has</span> <span word="become">become</span> <span word="a">a</span> <span word="more">more</span> <span word="active">active</span> <span word="participant">participant</span> <span word="in">in</span> <span word="carder">carder</span> <span word="forums">forums</span>, <span word="where">where</span> <span word="card">card</span> <span word="numbers">numbers</span> <span word="arehawked">arehawked</span> <span word="for">for</span> <span word="between">between</span> $20 <span word="and">and</span> $100 <span word="apiece">apiece</span>, <span word="often">often</span> <span word="in">in</span> <span word="batches">batches</span> <span word="of">of</span> 1<span word="m">m</span> <span word="or">or</span> <span word="more">more</span>. <span word="Two">Two</span> <span word="recent">recent</span> <span word="saleswere">saleswere</span> <span word="dubbed">dubbed</span> <span word="Tortuga">Tortuga</span> <span word="and">and</span> <span word="Eagle">Eagle</span> <span word="Claw">Claw</span>. 银行也使用类似的策略渗透到互联网的黑暗角落,罪犯在这里购买和出售偷来的财务数据。一个美国大型银行的欺诈调查员说,自从去年从一个名为<span word="Target">Target</span>的零售商店那里发生大量盗用信用卡数据的事件后，他所在的银行变得更加活跃的参与 持卡人论坛 ,在这里人们叫卖信用卡号从每个20美元到100美元不等,通常一次性交易一百万串卡号或更多。最近的两次交易代号为龟岛和鹰爪。 <span word="Some">Some</span> <span word="banks">banks</span> <span word="scour">scour</span> <span word="the">the</span> <span word="forums">forums</span> <span word="in">in</span> <span word="the">the</span> <span word="hope">hope</span> <span word="of">of</span> <span word="gathering">gathering</span> <span word="intelligence">intelligence</span> <span word="on">on</span> <span word="which">which</span> <span word="of">of</span> <span word="their">their</span> <span word="cardshave">cardshave</span> <span word="been">been</span> <span word="compromised">compromised</span>, <span word="so">so</span> <span word="they">they</span> <span word="can">can</span> <span word="cancel">cancel</span> <span word="them">them</span> <span word="before">before</span> <span word="they">they</span> <span word="are">are</span> <span word="sold">sold</span> <span word="onas">onas</span> <span word="opposed">opposed</span> <span word="towaiting">towaiting</span> <span word="for">for</span> <span word="suspect">suspect</span> <span word="transactions">transactions</span> <span word="to">to</span> <span word="appear">appear</span> <span word="on">on</span> <span word="statements">statements</span>. <span word="A">A</span> <span word="few">few</span> <span word="banks">banks</span> <span word="are">are</span> <span word="even">even</span> <span word="believed">believed</span> <span word="tohave">tohave</span> <span word="bid">bid</span> <span word="in">in</span> <span word="black">black</span>-<span word="market">market</span> <span word="bazaars">bazaars</span> <span word="to">to</span> <span word="buy">buy</span> <span word="the">the</span> <span word="details">details</span> <span word="of">of</span> <span word="cards">cards</span> <span word="they">they</span> <span word="suspected">suspected</span> <span word="they">they</span> <span word="issuedthemselves">issuedthemselves</span>, <span word="but">but</span> <span word="could">could</span> <span word="not">not</span> <span word="identify">identify</span> <span word="for">for</span> <span word="certain">certain</span> <span word="because">because</span> <span word="details">details</span> <span word="were">were</span> <span word="concealed">concealed</span> <span word="untilpurchase">untilpurchase</span>, <span word="in">in</span> <span word="order">order</span> <span word="to">to</span> <span word="learn">learn</span> <span word="more">more</span> <span word="about">about</span> <span word="where">where</span> <span word="and">and</span> <span word="when">when</span> <span word="data">data</span> <span word="breaches">breaches</span> <span word="occurred">occurred</span>. 一些银行搜索着论坛,希望收集到关于他们的卡已经被盗用的情报，这样一来就可以在这些卡在黑市上交易之前注销它们，而不是一味的等待出现可疑交易的报告。有人认为，一些银行为了更多的了解数据泄露是何时何地发生的，甚至在黑市上竞购那些疑似本行发行的卡的详细信息,但他们不能完全确定，因为这些详细信息在竞购到手之前都是保密的,。 <span word="This">This</span> <span word="subterfuge">subterfuge</span> <span word="partly">partly</span> <span word="reflects">reflects</span> <span word="the">the</span> <span word="need">need</span> <span word="to">to</span> <span word="be">be</span> <span word="more">more</span> <span word="proactive">proactive</span> <span word="in">in</span> <span word="the">the</span> <span word="face">face</span> <span word="of">of</span> <span word="rampantcyber">rampantcyber</span>-<span word="fraud">fraud</span>. <span word="But">But</span> <span word="there">there</span> <span word="is">is</span> <span word="a">a</span> <span word="regulatory">regulatory</span> <span word="motive">motive</span>, <span word="too">too</span>.<span word="America">America</span> <span word="s">s</span> <span word="Financial">Financial</span> <span word="Crimes">Crimes</span> <span word="EnforcementNetwork">EnforcementNetwork</span>, <span word="the">the</span> <span word="arm">arm</span> <span word="of">of</span> <span word="the">the</span> <span word="Treasury">Treasury</span> <span word="tasked">tasked</span> <span word="with">with</span> <span word="fighting">fighting</span> <span word="illicit">illicit</span> <span word="finance">finance</span>, <span word="has">has</span> <span word="been">been</span> <span word="broadening">broadening</span> <span word="itsdefinition">itsdefinition</span> <span word="of">of</span> <span word="money">money</span> <span word="laundering">laundering</span>, <span word="bankers">bankers</span> <span word="say">say</span>. <span word="This">This</span> <span word="raises">raises</span> <span word="the">the</span> <span word="prospect">prospect</span> <span word="of">of</span> <span word="large">large</span> <span word="fines">fines</span> <span word="forinadequate">forinadequate</span> <span word="anti">anti</span>-<span word="money">money</span>-<span word="laundering">laundering</span> <span word="controls">controls</span> <span word="for">for</span> <span word="banks">banks</span> <span word="that">that</span> <span word="aren">aren</span> <span word="t">t</span> <span word="deemed">deemed</span> <span word="to">to</span> <span word="be">be</span> <span word="doingenough">doingenough</span> <span word="to">to</span> <span word="combat">combat</span> <span word="these">these</span> <span word="scourges">scourges</span>. <span word="Some">Some</span> <span word="bankers">bankers</span> <span word="may">may</span> <span word="feel">feel</span> <span word="they">they</span> <span word="have">have</span> <span word="as">as</span> <span word="much">much</span> <span word="to">to</span> <span word="fear">fear</span> <span word="fromthe">fromthe</span> <span word="agencies">agencies</span> <span word="that">that</span> <span word="regulate">regulate</span> <span word="them">them</span> <span word="as">as</span> <span word="from">from</span> <span word="the">the</span> <span word="criminals">criminals</span> <span word="who">who</span> <span word="infiltrate">infiltrate</span> <span word="them">them</span>. 这一策略一定程度上反映了更积极的面对猖獗的网络诈骗的必要性。但也有治理的目标。银行家说，财政部负责打击非法金融的武器，既美国金融犯罪调查合作局,已经放宽了洗钱的定义。这使得银行可能被认为在应对反洗钱控制方面做的不足而面临高额罚款。一些银行家可能会觉得，管理银行的机构与入侵银行的罪犯一样令人担忧。 词语解释 1.<span word="seek">seek</span> <span word="to">to</span> 设法;企图，试图 <span word="Yet">Yet</span> <span word="some">some</span> <span word="expect">expect</span> <span word="him">him</span> <span word="to">to</span> <span word="seek">seek</span> <span word="to">to</span> <span word="remove">remove</span> <span word="termlimits">termlimits</span>. 可是，部分人士期望他设法废除任期限制。 <span word="Some">Some</span> <span word="westerners">westerners</span> <span word="still">still</span> <span word="believe">believe</span> <span word="this">this</span> <span word="is">is</span> <span word="what">what</span> <span word="the">the</span> <span word="westshould">westshould</span> <span word="seek">seek</span> <span word="to">to</span> <span word="do">do</span> <span word="now">now</span> <span word="in">in</span> <span word="egypt">egypt</span>. 某些西方人士仍认为，阻挠这种愿望正是西方目前应该设法在埃及做的事情。 2.<span word="smoke">smoke</span> <span word="out">out</span> 用烟熏出;使某处充满烟 <span word="He">He</span> <span word="was">was</span> <span word="determined">determined</span> <span word="to">to</span> <span word="smoke">smoke</span> <span word="out">out</span> <span word="the">the</span> <span word="leaders">leaders</span> <span word="of">of</span> <span word="the">the</span> <span word="gang">gang</span>. 他决心要把匪首从躲藏处赶出来。 <span word="They">They</span> <span word="got">got</span> <span word="smoke">smoke</span> <span word="out">out</span> <span word="of">of</span> <span word="the">the</span> <span word="world">world</span> <span word="trade">trade</span> <span word="center">center</span>. 他们看见世贸中心冒出浓烟。 3.<span word="link">link</span> <span word="to">to</span> 与连接， 联系 <span word="Why">Why</span> <span word="not">not</span> <span word="express">express</span> <span word="those">those</span> <span word="thoughts">thoughts</span> <span word="coherently">coherently</span> <span word="and">and</span> <span word="all">all</span> <span word="together">together</span> <span word="on">on</span> <span word="a">a</span> <span word="blog">blog</span> <span word="or">or</span> <span word="facebook">facebook</span> <span word="or">or</span> <span word="googleplus">googleplus</span> <span word="post">post</span>, <span word="and">and</span> <span word="link">link</span> <span word="to">to</span> <span word="that">that</span> <span word="from">from</span> <span word="twitter">twitter</span>? 为什么不一口气在博客或者<span word="Facebook">Facebook</span>或者<span word="Google">Google</span> <span word="Plus">Plus</span>的帖子里阐明自己的观点，再在<span word="Twitter">Twitter</span>上发布相关链接呢? <span word="I">I</span> <span word="have">have</span> <span word="to">to</span> <span word="say">say</span> <span word="that">that</span> <span word="I">I</span> <span word="am">am</span> <span word="really">really</span> <span word="enjoying">enjoying</span> <span word="my">my</span> <span word="direct">direct</span> <span word="link">link</span> <span word="to">to</span> <span word="the">the</span> <span word="cloud">cloud</span>, <span word="which">which</span> <span word="was">was</span> <span word="inserted">inserted</span> <span word="in">in</span> <span word="thesoft">thesoft</span> <span word="tissue">tissue</span> <span word="behind">behind</span> <span word="my">my</span> <span word="eye">eye</span> <span word="last">last</span> <span word="winter">winter</span>. 我得说，我相当享受与云端的直接链接，去年冬天，它们植入了我双眼下面的软组织中。 4.<span word="depend">depend</span> <span word="on">on</span> 依赖;相信;信赖 <span word="You">You</span> <span word="can">can</span> <span word="depend">depend</span> <span word="on">on</span> <span word="this">this</span> <span word="newspaper">newspaper</span>. 你可以依赖这家报纸。 <span word="They">They</span> <span word="depend">depend</span> <span word="on">on</span> <span word="the">the</span> <span word="confidence">confidence</span> <span word="of">of</span> <span word="lenders">lenders</span>. 它们的命运取决于贷款机构的信心。</p>
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