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精读 马云爸爸又搞事?2900亿的小项目等你参加

更新时间:2019-10-04

4年前,在网商银行开业仪式上,马云曾回忆创业初期的贷款难:“我那时候创办一家小企业‘海博翻译社’,为借3万块钱,我花3个月时间,把家里所有的发票凑合起来抵押,还是没有借到,那时候想,如果有一家银行有一天能够专门做这样的事情,我觉得能够帮助很多人成功。”

因此,服务小微企业便成了网商银行的成立初衷。马云给网商银行定的小目标是5年内服务1000万小微企业,而这个目标仅3年便得以实现。

新闻:Jack Ma’s $290 Billion Loan Machine Is Changing Chinese Banking

Jack Ma’s online bank is leading a quiet revolution in the way China lends to small businesses, taking aim at a credit bottleneck that has held back Asia’s largest economy for decades.

bottleneck 释义:a problem that delays progress 障碍;僵局 例子:Is there any way of getting around this bureaucratic bottleneck? 有办法避开这种拖拉推诿的官僚作风吗?

hold back 释义:to not do something, often because of fear or because you do not want to make a bad situation worse(常指因恐惧或不愿让事情变得更糟而)退缩,不做 例子:He held back, terrified of going into the dark room. 他退缩了,不敢进入黑暗的房间。

Using real-time payments data and a risk-management system that analyzes more than 3,000 variables, Ma’s four-year-old MYbank has lent 2 trillion yuan ($290 billion) to nearly 16 million small companies. Borrowers apply with a few taps on a smartphone and receive cash almost instantly if they’re approved. The whole process takes three minutes and involves zero human bankers. The default rate so far: about 1%.

variable 释义:a number, amount, or situation that can change 变量 例子:The variables in the equation are X, Y, and Z. 方程式中的变量是X,Y和Z。

default 释义:a failure to do something, such as pay a debt, that you legally have to do 拖欠,不履行债务;违约 例子:The national student loan default rate is estimated at one in ten. 据估计,约有十分之一的人拖欠偿还国家助学贷款。

The financial-technology boom that turned China into the world’s biggest market for electronic payments is now changing how banks interact with companies that drive most of the nation’s economic growth. As MYbank and its peers crunch reams of new data from payment systems, social media and other sources, they’re growing more comfortable with smaller borrowers that they previously shunned in favor of state-owned giants.

crunch 释义:to deal with large amounts of data very quickly(快速大量地)处理信息

reams of 释义:a lot of something, especially writing (尤指)大量的写作 例子:She's written reams of poetry. 她写了很多诗。

shun 释义:to avoid something 避开,避免 例子:She has shunned publicity since she retired from acting. 告别舞台生涯后,她便退出了人们的视线。

For China’s $13 trillion economy, which expanded at its weakest pace since at least 1992 last quarter, the implications could be profound. Non-state firms -- mostly small businesses -- account for about 60% of growth, employ 80% of workers, and have been disproportionately squeezed by a more than two-year government crackdown on shadow lenders.

implication 释义:the effect that an action or decision will have on something else in the future 可能的影响;可能的后果 例子:The company is cutting back its spending and I wonder what the implications will be for our department. 公司正在削减开支,真不知道这将会对我们部门产生什么影响。

squeeze 释义:If you are squeezed by financial demands, they cause you financial problems. 给…带来财务困难,使陷入财务困境 例子:Small businesses are being squeezed by heavy taxation. 重税使小企业在财务上捉襟见肘。

crackdown 释义:a situation in which someone starts to deal with bad or illegal behaviour in a more severe way 制裁;处罚;打击;镇压 例子: There has been a series of government crackdowns on safety in factories. 针对工厂安全问题,政府有一系列的处罚措施。

shadow lender 影子银行是指一些提供和传统商业银行类似的金融服务的非银行中介机构,游离于银行监管体系之外。

The shadow banking system is a term for the collection of non-bank financial intermediaries that provide services similar to traditional commercial banks but outside normal banking regulations.

China is quickly becoming a world leader in the use of big data and artificial-intelligence technology to make loans, according to Cliff Sheng, co-head of Greater China financial services at Oliver Wyman, a consulting firm. Among the country’s biggest advantages: it takes a more relaxed approach toward privacy than many other jurisdictions.

Oliver Wyman 奥纬咨询是一家全球领先的国际性管理咨询公司,拥有深厚的行业经验和在战略、运营、风险管理、组织转型等领域的精深专业能力。

Oliver Wyman is a leading global management consulting firm that combines deep industry knowledge with specialized expertise in strategy, operations, risk management, and organization transformation.

“Our legal framework and regulatory environment -- which raise fewer privacy concerns -- make it easier to generate a huge amount of data and thus provide an unparalleled testing bed,” Sheng said.

unparalled 释义:having no equal; better or greater than any other 无双的,无比的;空前的 例子:They enjoyed success on a scale unparalleled by any previous rock band. 他们取得了以前任何摇滚乐队都无法比拟的成功。


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