互聯(lián)網(wǎng)改寫(xiě)中國(guó)金融版圖.

　　過(guò)去一年中，中國(guó)金融行業(yè)版圖發(fā)生了巨大變化?；ヂ?lián)網(wǎng)巨頭阿里巴巴(Alibaba)和騰訊(Tencent)帶頭進(jìn)入了移動(dòng)支付、類(lèi)似吸收存款的儲(chǔ)蓄產(chǎn)品，乃至成熟的銀行業(yè)務(wù)領(lǐng)域。詳細(xì)請(qǐng)看下面的雙語(yǔ)新聞：

　　Chinese policy makers have said that internetcompanies can play a positive role in enhancingcustomer service, spurring innovation andincreasing competition in financial services.

　　中國(guó)的政策制定者曾指出，互聯(lián)網(wǎng)公司能夠在金融服務(wù)領(lǐng)域發(fā)揮提升客戶服務(wù)水平、激勵(lì)創(chuàng)新以及促進(jìn)競(jìng)爭(zhēng)等積極作用。

　　Competition began in mid-2013 with the launch of Yu’E Bao, an online money-market fund. Runby Alibaba, the financial services affiliate of ecommerce group, the fund offers cash on demandbut also provides higher interest rates than those available on bank deposits.

　　新競(jìng)爭(zhēng)始于2013年年中在線貨幣市場(chǎng)基金——余額寶的問(wèn)世。該基金由電子商務(wù)集團(tuán)阿里巴巴旗下的金融服務(wù)子公司運(yùn)營(yíng)，向客戶提供所需的現(xiàn)金，同時(shí)利率也比銀行存款高。

　　Assets under management at Yu’E Bao reached Rmb599bn ($96bn) by the end of 2014,making it China’s largest money-market fund.

　　截至2014年底，余額寶管理的資產(chǎn)達(dá)到了5990億元人民幣(合960億美元)，成為中國(guó)最大的貨幣市場(chǎng)基金。

　　Tencent Holdings, the gaming and social networking group, and Baidu Inc, the search provider,have also launched similar products.

　　中國(guó)游戲和社交媒體集團(tuán)騰訊控股(Tencent Holdings)以及搜索服務(wù)提供商百度(Baidu Inc)也推出了類(lèi)似的產(chǎn)品。

　　In addition to higher yields, the money-market products have lured depositors away fromtraditional banks by integrating them with these companies’ mobile-payment services.

　　除了較高的收益率之外，貨幣市場(chǎng)產(chǎn)品還通過(guò)與各自運(yùn)營(yíng)商的移動(dòng)支付服務(wù)結(jié)合在一起，將儲(chǔ)戶從傳統(tǒng)銀行吸引過(guò)來(lái)。

　　Customers can use their Yu’E Bao credit to make purchases on Alibaba’s Taobao and Tmallecommerce platforms, as well as for paying credit card and utility bills. Alipay, Alibaba’s mobile-payment service, is also increasingly accepted at food shops.

　　用戶可以使用自己的余額寶存款在阿里巴巴的電子商務(wù)平臺(tái)淘寶(Taobao)和天貓(Tmall)購(gòu)物，也可以用來(lái)進(jìn)行信用卡還款，繳納公用服務(wù)費(fèi)。阿里巴巴的移動(dòng)支付服務(wù)——支付寶(Alipay)也被越來(lái)越多的食品店接受。

　　Last year, taxi-hailing apps became the locus of a fierce battle for mobile-payments marketshare. Alibaba-backed Kuaidi Dache has vied with Tencent-backed Didi Dache for pole position.Meanwhile, Baidu haspurchased a stake in US car-hailing company Uber.

　　去年，打車(chē)應(yīng)用成為各方爭(zhēng)奪移動(dòng)支付市場(chǎng)份額的核心戰(zhàn)場(chǎng)。阿里巴巴投資的快的打車(chē)(Kuaidi Dache)與騰訊投資的滴滴打車(chē)(Didi Dache)爭(zhēng)奪領(lǐng)先地位。與此同時(shí)，百度入股了美國(guó)打車(chē)軟件公司優(yōu)步(Uber)。

　　Both Alibaba and Tencent spent tens of millions of dollars on hty rebates to riders and driversfor paying taxi fares with Alipay and Tenpay, respectively, instead of cash.

　　阿里巴巴和騰訊分別向不用現(xiàn)金、而使用支付寶和財(cái)付通(Tenpay)結(jié)算出租車(chē)費(fèi)的乘客和司機(jī)返還了數(shù)千萬(wàn)美元。

　　Meanwhile, Tencent, which until recently had a minimal presence in ecommerce, has enhancedits popular WeChat instant messaging app to allow brands to sell products directly throughtheir WeChat accounts, with payments processed by Tenpay.

　　與此同時(shí)，直到最近都在電子商務(wù)領(lǐng)域占極小份額的騰訊，已經(jīng)升級(jí)了其廣受歡迎的即時(shí)通訊應(yīng)用微信(WeChat)，允許商家通過(guò)自己的微信賬號(hào)直接銷(xiāo)售產(chǎn)品，并通過(guò)財(cái)付通完成支付。

　　The final frontier is banking. China’s banking regulators last year approved 10 privately ownedcompanies, including Alibaba and Tencent, to establish regional banks.

　　最后的待開(kāi)墾之地是銀行業(yè)務(wù)領(lǐng)域。去年，中國(guó)銀行業(yè)監(jiān)管機(jī)構(gòu)批準(zhǔn)10家民營(yíng)企業(yè)(包括阿里巴巴和騰訊)設(shè)立地區(qū)性銀行。

　　A joint venture led by Tencent this month became thirst bank to start operations under thepilot. Premier Li Keqiang attended the opening ceremony for WeBank, named after WeChat.

　　1月份，多方出資、騰訊牽頭成立的深圳前海微眾銀行(WeBank，隨微信之名)成為首家在上述試點(diǎn)計(jì)劃下開(kāi)業(yè)的銀行。中國(guó)總理李克強(qiáng)出席了該行啟動(dòng)儀式。

　　Alibaba will partner with Fosun International, one of China’s largest private conglomerates, toform Zhejiang Internet Commerce Bank this year. Other companies including an airline, apharmaceuticals producer and an auto-parts manufacturer are also participating in the pilotproject.

　　今年，阿里巴巴將與中國(guó)最大的民營(yíng)企業(yè)集團(tuán)之一復(fù)星國(guó)際(Fosun International)合作籌建浙江網(wǎng)商銀行(Zhejiang Internet Commerce Bank)。其他多家公司也參與了試點(diǎn)計(jì)劃，其中包括一家航空公司、一家藥企以及一家汽車(chē)零部件制造商。

　　Policy makers want these companies to focus on lending to small, privately owned businessesand consumers, who have struggled to obtain loans from state-owned banks. There is also thepotential for internet companies to draw on troves of user data to evaluate small borrowers’credit risk.

　　政策制定者希望，這些公司能專注貸款給那些難從國(guó)有銀行獲得貸款的小微民營(yíng)企業(yè)和消費(fèi)者?；ヂ?lián)網(wǎng)公司還可以利用海量用戶數(shù)據(jù)評(píng)估小額貸款人的信用風(fēng)險(xiǎn)。

　　Even bore the latest pilot, some lending had already occurred. In September 2013, Alibaba’smicrofinance arm sold 10 tranches of securitised loans to investors. The deal did not require abanking licence because microfinance companies, which do not collect deposits, are licensedseparately.

　　在這一最新試點(diǎn)計(jì)劃啟動(dòng)之前，一些貸款業(yè)務(wù)已經(jīng)開(kāi)展。2013年9月，阿里巴巴旗下的小額貸款公司將10筆證券化貸款出售給投資者。此類(lèi)交易不需要銀行執(zhí)照，因?yàn)椴晃沾婵畹男☆~貸款公司可以單獨(dú)獲得許可。