颜氏家训译文-济南铁路职业技术学院

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 Fin ancial)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Kapronasia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 Research)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300 0万用户，交易额达8700亿元人民币。
经典科技类的英语文章
调查显示 亚洲企业网络安全状况世界范围内最差
Many Asian organisations are badly defended against
cyber-attacks, a year-long investigationby US security company
Mandiant indicates.

根据美国网络安全公 司Mandiant一份长达一年的调查显
示，许多亚洲企业在抵御黑客网络攻击方面表现很差。
The median time between a breach and its discovery was 520
days, its says. That is threetimes the global average.
这份调查显示，从入侵发生到发 现入侵，大多数亚洲企业
花费的时间的520天。这一数值是全球平均水平的三倍。
Asia was also 80% more likely to be targeted by hackers than
other parts of the world, thereport said. An average of 3.7GB in data
had been stolen in each attack, which could be tens ofthousands of
documents.
该报告显示，相比于世 界其他地区，亚洲被黑客当做目标
的几率要高80%。在每次黑客入侵中，亚洲企业平均要损失3.7G
的数据，那可能是数以万计的文件。
However, the bulk of the incidents were not made public
because the region lacks breachdisclosure laws.
然而，大部分类似事件都没有被公开，因为亚洲地区缺少
违反信息披露的法律。
Grady Summers, the chief technology officer of Mandiant s
parent company, FireEye, said thefindings were very concerning .
Mandiant母公司 火眼 的首席技术主管格雷迪 萨默斯指
出，这些发现 令人非常担忧 。
We knew responses to cyber-incidents here in Asia often lag
those elsewhere, but we didn tknow it was by this much, he told the
BBC.
格雷迪在接受BBC采访时表示： 我们知道亚洲地区对网
络事件的反应要落后于世界其他地区，但是我 们没想到居然会落
后这么多。
As part of the study, Mandiant hacked into one organisation s
network with its permission tosee how vulnerable it was.

作为研究的一部分，Mandi ant在一家机构的允许之下入侵
了他们的网络，从而展示他们的网络是多么的不堪一击。
Within three days we had the keys to the kingdom, Mr
Summers said. If an expert group ofhackers can do the same in three
days, imagine what can they do in 520 days.
萨默斯说道： 三天不到我们就掌握了进入 网络的钥匙。如
果一个专业的黑客团伙可以在三天做到同样的事的话，想想看他
们在520天内 可以干些什么。
The year-long investigation included vulnerability checks on
about 22,000 machines across avariety of sectors.
在这份长达一年的调查中，Mandiant公司对不同行业共
22000台机器做了漏洞检查。
Leaving breaches undiscovered or unreported for too long can
ultimately compromise acountry s economic competitiveness or
national security, Mandiant warns.
Mandia nt警告称，如果没有发现入侵或者太长时间不报告
的话，最终会损害一个国家的经济竞争力或国家安全 。
Hackers could take over key infrastructure such as power
stations, which happened in theUkraine, and potentially even
transport systems in so-called smart cities.
黑客们可以占领例如发电站一类的关键基础设施(乌克兰
曾经发生过这样的事)，甚至有可能占领所谓的 智能城市 中的
交通系统。
On a consumer level, personal information can be used for
fraudulent purposes. More than500 million digital identities were
stolen or exposed last year, an earlier report by securitycompany
Symantec suggests.
在消费者层面上，个人信息也许会被用作欺诈目的 。此前
由网络安全公司赛门铁克发布的一份报告显示，去年全球有超过
5亿人的数字身份信息被 盗或被泄露。

关于科技类的英语文章
苹果面临欧洲最大税收罚单
Apple will on Tuesday be hit with Europe s largest tax penalty
after Brussels ruled that thecompany received illegal state aid from
Ireland.
苹果(Apple)将在周二接到欧洲 最大的税收罚单，此前布鲁
塞尔裁定该公司得到了爱尔兰的非法政府援助。
The company will have to pay billions of euro in back taxes to
Dublin as the EuropeanCommission moves to redraw the boundaries
on aggressive tax avoidance by the world sbiggest corporations.
苹果将必须向都柏林补交数十亿欧元税款。目前欧盟委员
会(European Commission)正采取行动，对全球各大企业的激进避
税行为重新划定红线。
A 130-page judgment by the commission follows a three-year
investigation into claims thattwo advance tax opinions issued by
Dublin violated EU law by granting Apple an advantage notavailable
to other companies.
在有人指控爱尔兰政府发布的两项预先税务意见 给了苹果
一个其他公司不具有的优势、违反欧盟法律之后，欧盟委员会展
开了为期三年的调查后 ，最终出炉130页的判决书。
Competition commissioner Margrethe Vestager circulated the
final ruling to her counterparts inthe EU s executive branch only on
Monday morning, deploying a fast-track procedure in abid to
minimise leaks.
欧盟竞争专员玛格丽特 维斯特格(Margrethe Vestager)周一
上午向欧盟行政部门 的同僚传达了最终裁决，采用快速通道程序
以最大限度减少消息泄露。
The usual notice period is two weeks.
一般通知期应为两个星期。

The decision is set to be the subject of appeals in the European
courts by Apple and Ireland,both of which have denied any
wrongdoing.
该决定势必引发苹果和爱尔兰在欧洲法院提起上诉，二者
都否认有任何不当行为。
It follows tension over the inquiry between Brussels and the
US, which urged the EUauthorities to drop the case.
布鲁塞尔和美国之间围绕这起调查关系紧张，美国促使欧
盟当局放弃该案。
The US Treasury has accused the commission of becoming a
supranational tax authority thatthreatened international agreements
on tax reform in its drive to stamp out aggressiveavoidance.
美国财政部指责欧盟委员会成为超国家税务机关，其杜绝
激进避税的努力威胁到国际税改协议。
The commission s ruling calls on Dublin to raise a new tax
assessment on Apple, whichpreviously warned the US Securities and
Exchange Commission that an adverse decision byBrussels could
have a material impact on its finances.
欧盟委员会的裁决呼吁都柏林对苹果发出新的税单，此前
苹果曾警告美 国证券交易委员会(SEC)，布鲁塞尔方面作出的对
其不利的裁决可能对其财务产生实质性影响。
One person familiar with the inquiry said Apple will have to
restate its accounts as a result ofthe ruling.
该调查的一位知情人表示，这一判决将导致苹果必须重新
申报自己的账目。
Investigators have examined how Apple paid a tax rate of less
than 1 per cent on Europeansales far lower than Ireland s headline
12.5 per cent tax rate on business profits.
调查人员审查了苹果是如何缴付不到欧洲销售额1%的税

率，远低于爱尔兰对商业利润征收12.5%的正式税率。
The commission is concentrating on the tax treatment of
Apple s intellectual propertyassets, a hotly disputed area likely to
lead to a large claim for back taxes.
欧盟委员会正专注于苹果知识产权资产的税务待遇，这是
一个备受争议的领域 ，很可能导致苹果被要求补缴大量欠税。
Although the decision itself does not specify the precise
amount of money in play, MsVestager will set out an estimate when
the findings are released on Tuesday, according topeople briefed on
her plans.
虽然裁决本身并未具体规定确切的罚款金额，但听取了有
关她的计划的简报的人士表示，维斯特格将在周 二调查结果公布
时给出一个估计数字。
Several people briefed on the findings in Brussels and Dublin
believe the liability will run tobillions of euros.
在布鲁塞尔和都柏林听取了调查结果简报的多位人士相
信，罚款将达到数十亿欧元。
European officials have described the looming recovery order
as the largest since Brussels wasempowered to police state support
to companies in Europe.
欧洲官员将即将出炉的追缴令形容为自布鲁塞尔被授权 监
督在欧企业获得的国家支持以来的最大一笔罚款。
The biggest penalty to date involved EDF, the French energy
group, which was ordered torepay Euro1.4bn.
此前接到最大罚单的是法国电力(EDF)，它被要求补缴14
亿欧元。