disaster是什么意思关于科技类的英语文

2021年1月19日发(作者：proton)

关于科技类的英语文章

科技类的英语文章品析


移动支付崛起威胁中国商业银行获取大数据的能力


The
rise
of
third-party
mobile
payments
in
China
at
the
expense
of
credit
and
debit
cards
is
threatening
commercial
banks
access
to
the
customer
data
viewed
as
crucial
to
newly
emerging
financial and consumer business models.

在中国，第三方移动支付正在崛起，而代价是信用卡和 借
记卡的使用量在减少，
这对商业银行获取客户数据的能力构成威
胁。这些客户数据被 视为新兴金融和消费业务模式的关键。


The
president
of
Ant
Financial,
Alibaba
Group
s
finance
affiliate,
told
the
Financial
Times
earlier
this
month
that
payments
through
its
Alipay
unit
bypass
China
UnionPay,
the
state-owned
settlement network with close ties to the central bank.

本月早些时候，
阿里巴巴集团
(Alibaba Group)
旗下金融公司
蚂蚁金服
(Ant Financial)
的总裁 向英国
《金融时报》
表示，
经由其
支付宝
(Alipay)
完成的支付跳过了中国银联
(China UnionPay)
。银
联是与中国央行关系密切的国有结算网络。


The
result
is
that
UnionPay,
along
with
issuing
banks
and
acquiring banks, is hemorrhaging income from merchant fees.

这种状况导致银联以及发卡行、收单行从商户那里赚取的
手续费收入大幅缩水。


The trend is fuelled not only by the rise of ecommerce but also
by
the
dramatic
increase
of
mobile
payments
to
offline
merchants
such as supermarkets and restaurants.

助长这一趋势的不仅仅是电子商务的崛起，还包括超市 和
餐馆等线下商户移动支付量的迅猛增长。


The move by more Chinese consumers to switch from swiping

plastic cards to scanning QR codes with mobile wallet apps knocked
$$20bn
from
banks fee
income
in
2015,
according
to
Kapronasia,
a
Shanghai-based fintech consultancy.

总部位于上海的金融科技咨询公司
K apronasia
的数据显
示，
2015
年有更多中国消费者从刷卡转向通 过移动钱包应用扫
描二维码，这令银行损失了
200
亿美元手续费收入。


Settlement
fees
are
only
part
of
banks
overall
revenue
mix,
which is dominated by interest income from loans.

在银行的总体营收组合中，占主导地位的是贷款的利息收
入，结算手续费则只占一部分。


The bigger challenge to Chinese lenders, analysts say, comes
from the way in which third-party payment providers are interposing
themselves
between
banks
and
customers,
depriving
lenders
of
valuable data on consumption patterns.

不过分析师表示，中国的银行面临的更大挑战来自第三方
支付提供商在银行与客户之 间插一杠子的方式，
这种方式令银行
无法获得关于消费模式的宝贵数据。


Data are increasingly the new currency of choice in China as
third-party
payment
providers
move
beyond
payments
to
selling
a
wider
range
of
products
and
services
such
as
taxi-booking,
movie
tickets,
and
wealth
management
products,
said
Zennon
Kapron,
founder of Kapronasia.

Kapronasia
创始人曾农

考普龙
(Zennon Kapron)
表示：随着
第三方支付提供商超越支 付业务、
销售约车、
电影票和理财产品
等多种产品和服务，数据在中国正日益成为人们 首选的新货币。


Banks
are
starved
of
the
critical
transaction
data
that
would
help them to provide competitive products and services.

银行急需会帮它们提供有竞争力的产品与服务的关键交易
数据。


Most users of Alipay, and rival WeChat Pay owned by Tencent,

fund
their
payments
by
linking
their
traditional
bank
accounts
to
mobile wallet apps.

支付宝及其竞争对手微信支付
(WeChat
Pay
，隶属于腾讯
(Tencent))
的大多数用户，
在支付时所用的钱都来自于与其移动钱
包挂钩的 传统银行账户。


That
means
traditional
bank
deposits
are
still
the
ultimate
source of funds.

这意味着，传统银行存款仍是资金的最终来源。


But
when
a
consumer
uses
Alipay
or
WeChat
for
payment,
banks do not receive data on the merchant s name and location.

然而，当消费者用支付宝或微信来支付时，银行不 会接收
到关于商户名称和所在地的数据。


Instead, the bank record simply shows the recipient as Alipay
or WeChat.

银行的记录只会显示收款方是支付宝或微信。


The loss of data poses a challenge to Chinese banks at a time
when
their
traditional
lending
business
is
under
pressure
from
interest-rate deregulation, rising defaults, and the need to curb loan
growth following the credit binge.

由于利率去监管化、违约增多以及信贷狂潮后需要抑制贷
款增长，
中国的银 行的传统放贷业务正承受巨大压力。
在这样一
个时点，数据的流失为它们带来了一大挑战。

Big data is seen as vital to lenders ability to expand into new
business lines.

对银行向新业务线拓展的能力来说，大数据被认为有着至
关重要的意义。


In
the
past,
commercial
banks
focused
on
servicing
large
enterprises and didn t care much about consumers.


八六证券研究
(86
R esearch)
驻上海高级金融科技分析师王
晓燕
(
音译
)
表示：
过去，
商业银行把主要精力放在服务大企业上，
不太关注消费者。


But with the macro-economy suffering, the corporate business
is facing pressure on margins on growth, said Wang Xiaoyan, senior
fintech analyst at 86 Research in Shanghai.

然而，随着宏观经济遭遇麻烦，企业业务的增长空间面临
压力。


Banks
definitely
want
to
capture
the
opportunity
in
retail
banking, but if they don t have payment and consumption data, it s
difficult to gain consumer mindshare.

银行无疑希望抓住零售银行业 务的机遇，但如果它们没有
支付和消费数据，将很难引起消费者的更多关注。


In a sign that banks recognise the importance of data, China s
big
four
state-owned
commercial
lenders
have
each
launched
their
own ecommerce platforms in recent years.

最近几年，中国四大国有商业银行都推出了自己的电商 平
台，这一迹象说明银行已认识到了数据的重要性。


Rong E-Gou, the platform run by Industrial Commercial Bank
of China, the country s largest lender by assets, has 30m users and
reported turnover of Rmb870bn last year.

去年，中国资产最多的中国工商银行
( ICBC)
运营的平台融
e
购拥有
3000
万用户，交易额达
8700
亿元人民币。


经典科技类的英语文章


调查显示

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cyber- attacks,
a
year-long
investigationby
US
security
company
Mandiant indicates.