经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图1)

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图2)

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图3)

胡白白

本文选自The Economist May 8th 2019 Leaders板块,讲的是电子支付方式的崛起和纸币的逐渐消亡所带来的利弊。结合上一篇文章,再来回顾一下电子支付。本篇文章较为简单,但是整篇文章的结构就是典型的议论文结构,推荐阅读。




双语观世界中国电子支付有多强?


导读:电子支付一直是近年来的热点话题。随着我国电子商务的发展,电子支付以其低成本,使用便捷的特点被越来越多的用户所选择。下面呢,就让本篇文章带领大家了解一下有关支付方面的英语知识。

点击阅读原文,即可查看全文及词组

给大家推荐一个听听力的***

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图4)

Digital payments

The dash from cash

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图5)

原文

Cash is dying out because of two forces. One is demand—younger consumers want payment systems that plug seamlessly into their digital lives. But equally important is that suppliers such as banks and tech firms (in developed markets) and telecoms companies (in emerging ones) are developing fast, easy-to-use payment technologies from which they can pull data and pocket fees. There is a high cost to running the infrastructure behind the cash economy—ATMs, vans carrying notes, tellers who accept coins. Most financial firms are keen to abandon it, or deter old-fashioned customers with hefty fees.

Rich countries are racing to dematerialise payments. They need to do more to prepare for the side-effects.

In the main the prospect of a cashless economy is excellent news. Cash is inefficient. In rich countries, minting, sorting, storing and distributing it is estimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments dematerialise, people and shops are less vulnerable to theft. Governments can keep closer tabs on fraud or tax evasion. Digitalisation vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.

For the past 3,000 years, when people thought of money they thought of cash. From buying food to settling bar tabs, day-to-day dealings involved creased paper or clinking bits of metal. Over the past decade, however, digital payments have taken off—tapping your plastic on a terminal or swiping a smartphone has become normal. Now this revolution is about to turn cash into an endangered species in some rich economies. That will make the economy more efficient—but it also poses new problems that could hold the transition hostage.

Yet set against these benefits are a bundle of worries. Electronic payment systems may be vulnerable to technical failures, power blackouts and cyber-attacks—this week Capital One, an American bank, became the latest firm to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let governments snoop on people's shopping habits and private titans exploit their personal data.

在过去的 3000 年里,人们一想到钱,就会想到现金。从买食物到酒吧台结算消费,日常交易都是皱巴巴的纸币和叮当作响的硬币。然而,在过去十年里,数字支付已兴起——在终端机划卡或刷***已经成为常态。现在,在一些富裕的国家,现金很快就要被这场革命变成“濒危物种”了。这将使经济更加有效, 但同时也带来了一些新的问题,这些问题可能会阻碍经济转型。

精读笔记

蓝色表示写作词汇或句型;灰色只需要了解。

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图6)

首先我们先来看标题。

Rich countries are racing to dematerialise payments. They need to do more to prepare for the side-effects,digital payments / electronic payments 即「电子支付」。标题The dash from cash 中dash为名词,表示「猛冲,直撞」,常见搭配为make a dash for sth,比如:He jumped off the bus and made a dash for the nearest bar. 他跳下公共汽车,直奔近处的酒吧。而from做介词表示「从…离开」,the dash from cash 即「迅速远离现金」,也就是「从现金到数字支付的迅速转变」。

小标题the dash from cash 还压了尾韵ash [æʃ],读起来很有韵律感。 顺便讲一讲形容词dashing,表示「风度翩翩,自信潇洒」(attractive, confident and elegant),一般用于形容男性。我在美剧里经常碰到这个形容词,我们来看一些例句:

Cash is dying out because of two forces. One is demand—younger consumers want payment systems that plug seamlessly into their digital lives. But equally important is that suppliers such as banks and tech firms (in developed markets) and telecoms companies (in emerging ones) are developing fast, easy-to-use payment technologies from which they can pull data and pocket fees. There is a high cost to running the infrastructure behind the cash economy—ATMs, vans carrying notes, tellers who accept coins. Most financial firms are keen to abandon it, or deter old-fashioned customers with hefty fees.

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图7)

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图8)

【段落分析】

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图9)

Over the past decade, however, digital payments have taken off—tapping your plastic on a terminal or swiping a smartphone has become normal. 

这一段讲的是现金消亡的两个原因(two forces)。即用户需求和供给方(supplier)利用支付技术获利。

【重点词汇讲解】

语篇分析:这句描写过去十年电子支付的发展。

plug into 融入...当中,参加,加入

seamlessly adv. 无缝地

teller n. (a person whose job is to receive and pay out money in a bank) 出纳员

【写作解析 】

· take off 本来是飞机「起飞」的意思,引申为「突然成功或兴起」( If something such as a product, an activity, or someone's career takes off, it suddenly becomes very successful)。比如《经济学人》一篇关于中国贫富差距的文章提到:Inequality has soared since China opened the door to private enterprise and growth took off. 自从中国准许设立私营企业、经济得以迅速发展以来,不平等的状况也愈演愈烈。我们用这个词来造一个简单的句子:中国社交媒体腾飞,电子商务也大举兴起。Chinese social media took off. So did e-commerce.

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图10)

这一段当中的一个句型我们也可以提取出来:

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图9)

tap 义为「轻敲;轻拍」,plastic义为「塑料」,这里指代「卡」,terminal指「终端机」,tap your plastic on a terminal字面含义为「在终端机上轻拍卡」,即我们平常说的「刷卡」。

One is... Equally important is that... 

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图12)

That will make the economy more efficient—but it also poses new problems that could hold the transition hostage.

语篇分析:这分别从正反两方面评价电子支付的的影响。pose new problems 表示「带来新的问题」。



经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图13)

pose 指「造成,引起」,构成了很多地道表达,比如:pose a hazard to sb对…有害,pose a threat to  sb 对…构成威胁。

关于这一点,我们昨天的文章也讲过

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图14)

昨天的例子我们也可以用在这个句型里。

【参考译文 】

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图15)

hold sb hostage表示「把某人劫为人质」,如果中间为sth,则引申为「阻碍、限制某事」,文中hold the transition hostage 意思便是阻碍向电子支付转型。再举个例子:Wine growers say they've been held hostage to the interests of cereal farmers. 葡萄酒制造商们说他们已被谷物种植者的利益所左右。

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图16)

我们把第一段话连起来读一遍,注意尽量一遍读完,不要回读。如果第一遍阅读时做不到,就再读一遍。注意不要一读不懂就去看后面的译文,而是自己尽全力读懂它,否则会养成一种惰性。如此循环往复地训练,直到能够流畅地一次性读完。

有两大影响因素导致了现金正在消亡的现状。第一个就是需求。年轻的消费者需要的是可以跟他们的数字化生活无缝衔接的支付系统。但是另一个同样重要的因素就是,(发达国家市场的)银行和科技公司等电子支付方式提供者和(新兴市场中的)电信公司正在开发快速容易使用的支付技术,他们可以从这些技术当中获取数据并赚取费用。现金经济(ATM机、运钞车和可接受硬币的银行出纳员)背后的基础设施运营需要高额的成本。大多数金融公司都很想弃用现金交易这种方式,或者通过高额的手续费让老年用户望而却步。

In the main the prospect of a cashless economy is excellent news. Cash is inefficient. In rich countries, minting, sorting, storing and distributing it is estimated to cost about 0.5% of GDP. But that does not begin to capture the gains. When payments dematerialise, people and shops are less vulnerable to theft. Governments can keep closer tabs on fraud or tax evasion. Digitalisation vastly expands the playground of small businesses and sole traders by enabling them to sell beyond their borders. It also creates a credit history, helping consumers borrow.

【重点词汇讲解】

mint v. (to make a coin from metal) 制造(硬币、货币)

dematerialise v. 虚拟化

供稿:国贸专2001 王永梁

keep closer tabs on 对...密切关注

fraud or tax evasion诈骗和避税

【参考译文 】

END



往期推荐:

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图17)

大体而言,经济可能实现无钞化是件好事。使用现金的效率很低。在发达国家中,现金的制造,分类,储存和分发的成本预计占GDP(国民生产总值)的0.5%。但是这还没开始算无现金经济的好处呢。当支付实现电子化时,居民和商店遭遇盗窃的风险会有所降低。政府可以密切关注诈骗和避税行为了。支付电子化使得小型企业和个体商户可以在其领地之外进行营销活动,极大地扩大了他们的营销范围。电子支付还可以构建信用历史,以此帮助用户借款。

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图18)

Yet set against these benefits are a bundle of worries. Electronic payment systems may be vulnerable to technical failures, power blackouts and cyber-attacks—this week Capital One, an American bank, became the latest firm to be hacked. In a cashless economy the poor, the elderly and country folk may be left behind. And eradicating cash, an anonymous payment method, for a digital system could let governments snoop on people's shopping habits and private titans exploit their personal data.

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图19)

【重点词汇讲解】

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图20)

a bundle of 一套

eradicate v. ( to destroy or get rid of sth completely, especially sth bad) 消灭,杜绝,根除

文编|网宣部

snoop on 窥探

【参考译文 】

美编|张文燕

审核|褚婷婷、李金凤

欢迎大家在下方留言~

但是在这些好处背后有一堆令人担忧的问题。电子支付体系可能会遇到技术故障、断电和网络攻击等问题。这不,这周美国银行Capital One就成为最近受到黑客攻击的一家公司。除此之外,为了使用数字化支付体系而完全摆脱现金这种匿名的支付方式,可以让政府窥视人们的消费习惯,让私有大公司利用用户的私人数据获利。

推荐阅读

经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图21)经济学人 34 | 电子支付晚安英语|双语观世界,中国电子支付有多强?(图22)

经济学人 33 | 电子货币的崛起

别忘了点个「在看」鸭~