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Question

2026年1月7日题目

Some people believe that in the future, countries will stop producing paper money and coins, and people will just use electronic forms of payment, such as credit cards. Others believe countries will always produce coins and paper money for those who wish to use them. Which do you think is true? Use details and examples in your response.

一些人认为在未来，各国将停止生产纸币和硬币，人们只会使用电子支付方式，如信用卡。另一些人则认为各国将始终为那些希望使用的人生产硬币和纸币。你认为哪种观点是正确的？请在回答中使用细节和例子。

这是托福口语比较新的题目，出现在2025年11月15日上午场的考试中，2026年1月6日又再一次出现。

参考答案一

认为未来各国会停止生产纸币和硬币

思路解析：从 “便捷性与效率” 和 “技术发展趋势” 两个角度阐述未来电子支付取代纸币硬币的原因。

理由一：电子支付更加便捷高效，不受时间和空间限制，能快速完成交易，提高生活效率。

理由二：随着科技不断进步，电子支付技术越发成熟，相关基础设施不断完善，为全面取代纸币硬币提供了条件。

From my perspective, I believe that in the future, countries will stop producing paper money and coins.

Firstly, electronic payment offers unparalleled convenience and efficiency. With credit cards or mobile payment apps, people can complete transactions anytime, anywhere. For example, in my country, I can pay with my phone for almost everything. All it takes is a few taps to pay.

Secondly, the development of technology is a strong driving force. Now, electronic payment systems are becoming more and more sophisticated, which makes electronic payment not only easy but also safe. I believe that, because of the technological progress, paper money and coins will be a thing of the past.

高能高分表达：

unparalleled /ʌnˈpærəleld/ adj. 无比的；无双的

offer unparalleled convenience 提供无与伦比的便利

transaction /ˈtrænzækʃn/ n.交易

complete transaction 完成交易

a strong driving force 一股强大的驱动力

sophisticated /səˈfɪstɪkeɪtɪd/ adj.复杂的；精密的

a thing of the past 过时的东西

参考答案二

认为未来各国会停止生产纸币和硬币

思路解析：从 “经济成本考量” 和 “环保需求” 的角度展开，说明电子支付取代纸币硬币的必然性。

理由一：生产、运输和管理纸币硬币的成本高昂，而电子支付可降低这些经济成本。

理由二：电子支付减少了纸张和金属的使用，有利于环境保护，符合可持续发展的理念。

The way I see it, it's more likely that countries will stop making paper money and coins in the future.

The main reason is related to economic costs. The production of paper money involves expenses for paper and printing; coins require raw materials like metals. Also, transporting and managing cash across the country is money-consuming. In contrast, electronic payment systems have relatively low operational costs.

Moreover, from an environmental perspective, electronic payment is more eco-friendly. However, the production of paper money consumes a large amount of paper, which means cutting down lots of trees. Coin production uses metals, and the mining and processing of these metals have a negative impact on the environment.

高能高分表达：

the way I see it 依我之见

raw material 原材料

money-consuming 耗钱的

operational /ˈɒpəˈreɪʃənl/ adj.操作的；运营的

operational costs 运营成本

from a/an…perspective 从…的角度来看

from an environmental perspective 从环保的角度来看

eco-friendly /ˈiːkəʊ ˈfrendli/ adj.对生态友好的；环保的

have a positive/negative impact on 对…有积极/消极的影响

参考答案三

认为未来各国仍会为有需求者生产纸币和硬币

从 “技术普及差异” 和 “特殊情况需求” 两个方面阐述未来纸币硬币仍有存在必要的原因。

理由一：不同地区技术普及程度不同，部分人群难以使用电子支付，需要纸币硬币。

理由二：在特殊情况，如自然灾害期间，电子支付会失效，此时纸币和硬币必不可少。

As for me, I think countries will always produce coins and paper money.

To start with, the spread of technology isn't the same everywhere. In some remote areas or among some groups, electronic payment might not be so well-developed. For example, in rural areas with bad internet, people can't easily use mobile payment. And some elderly people may f ind it hard to get used to new electronic ways.

Secondly, in special situations like natural disasters, electronic payment won't work. When there's no power or the network is down, people can't pay with cards or phones. At this time, paper money and coins become indispensable. They can be used to buy necessary things like food and water.

【高能高分表达】

remote areas 偏远地区

well-developed /'weldi'veləpt/ adj.完善的；健全的

get used to 习惯于

the network is down 网络连接断开

indispensable /ˌɪndɪˈspensəbl/ adj.不可或缺的

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