關於科技類的英語文章
我們要使科技成果在利用厚生中發揮作用，三峽工地上活躍着一羣年青的科技工作者,他們氣衝霄漢,日夜忙碌。下面小編整理了科技類的英語文章，希望大家喜歡!
移動支付崛起威脅中國商業銀行獲取大數據的能力
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.
在中國，第三方移動支付正在崛起，而代價是信用卡和借記卡的使用量在減少，這對商業銀行獲取客户數據的能力構成威脅。這些客户數據被視為新興金融和消費業務模式的關鍵。
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.
本月早些時候，阿里巴巴集團(Alibaba Group)旗下金融公司螞蟻金服(Ant Financial)的總裁向英國《金融時報》表示，經由其支付寶(Alipay)完成的支付跳過了中國銀聯(China UnionPay)。銀聯是與中國央行關係密切的國有結算網絡。
The result is that UnionPay, along with issuing banks and acquiring banks, is hemorrhaging income from merchant fees.
這種狀況導致銀聯以及髮卡行、收單行從商户那裏賺取的手續費收入大幅縮水。
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.
助長這一趨勢的不僅僅是電子商務的崛起，還包括超市和餐館等線下商户移動支付量的迅猛增長。
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.
總部位於上海的金融科技諮詢公司Kapronasia的數據顯示，2015年有更多中國消費者從刷卡轉向通過移動錢包應用掃描二維碼，這令銀行損失了200億美元手續費收入。
Settlement fees are only part of banks’ overall revenue mix, which is dominated by interest income from loans.
在銀行的總體營收組合中，占主導地位的是貸款的利息收入，結算手續費則只佔一部分。
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.
不過分析師表示，中國的銀行面臨的更大挑戰來自第三方支付提供商在銀行與客户之間插一槓子的方式，這種方式令銀行無法獲得關於消費模式的寶貴數據。
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創始人曾農•考普龍(Zennon Kapron)表示：隨着第三方支付提供商超越支付業務、銷售約車、電影票和理財產品等多種產品和服務，數據在中國正日益成為人們首選的新貨幣。
Banks are starved of the critical transaction data that would help them to provide competitive products and services.
銀行急需會幫它們提供有競爭力的產品與服務的關鍵交易數據。
Most users of Alipay, and rival WeChat Pay owned by Tencent, fund their payments by linking their traditional bank accounts to mobile wallet apps.
支付寶及其競爭對手微信支付(WeChat Pay，隸屬於騰訊(Tencent))的大多數用户，在支付時所用的錢都來自於與其移動錢包掛鈎的傳統銀行賬户。
That means traditional bank deposits are still the ultimate source of funds.
這意味着，傳統銀行存款仍是資金的最終來源。
But when a consumer uses Alipay or WeChat for payment, banks do not receive data on the merchant’s name and location.
然而，當消費者用支付寶或微信來支付時，銀行不會接收到關於商户名稱和所在地的數據。
Instead, the bank record simply shows the recipient as Alipay or WeChat.
銀行的記錄只會顯示收款方是支付寶或微信。
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.
由於利率去監管化、違約增多以及信貸狂潮後需要抑制貸款增長，中國的銀行的傳統放貸業務正承受巨大壓力。在這樣一個時點，數據的流失為它們帶來了一大挑戰。
Big data is seen as vital to lenders’ ability to expand into new business lines.
對銀行向新業務線拓展的能力來説，大數據被認為有着至關重要的意義。
In the past, commercial banks focused on servicing large enterprises and didn’t care much about consumers.
八六證券研究(86 Research)駐上海高級金融科技分析師王曉燕(音譯)表示：過去，商業銀行把主要精力放在服務大企業上，不太關注消費者。
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，隨着宏觀經濟遭遇麻煩，企業業務的增長空間面臨壓力。
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.
銀行無疑希望抓住零售銀行業務的機遇，但如果它們沒有支付和消費數據，將很難引起消費者的更多關注。
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.
最近幾年，中國四大國有商業銀行都推出了自己的電商平台，這一跡象説明銀行已認識到了數據的重要性。
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，中國資產最多的中國工商銀行(ICBC)運營的平台融e購擁有3000萬用户，交易額達8700億元人民幣。
經典科技類的英語文章調查顯示 亞洲企業網絡安全狀況世界範圍內最差
Many Asian organisations are badly defended against cyber-attacks, a year-long investigationby US security company Mandiant indicates.
根據美國網絡安全公司Mandiant一份長達一年的調查顯示，許多亞洲企業在抵禦黑客網絡攻擊方面表現很差。
The median time between a breach and its discovery was 520 days, its says. That is threetimes the global average.
這份調查顯示，從入侵發生到發現入侵，大多數亞洲企業花費的時間的520天。這一數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.
該報告顯示，相比於世界其他地區，亞洲被黑客當做目標的機率要高80%。在每次黑客入侵中，亞洲企業平均要損失3.7G的數據，那可能是數以萬計的文件。
However, the bulk of the incidents were not made public because the region lacks breachdisclosure laws.
然而，大部分類似事件都沒有被公開，因為亞洲地區缺少違反信息披露的法律。
Grady Summers, the chief technology officer of Mandiant's parent company, FireEye, said thefindings were "very concerning".
Mandiant母公司“火眼”的首席技術主管格雷迪·薩默斯指出，這些發現“令人非常擔憂”。
"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採訪時表示：“我們知道亞洲地區對網絡事件的反應要落後於世界其他地區，但是我們沒想到居然會落後這麼多。”
As part of the study, Mandiant hacked into one organisation's network with its permission tosee how vulnerable it was.
作為研究的一部分，Mandiant在一家機構的允許之下入侵了他們的網絡，從而展示他們的網絡是多麼的不堪一擊。
"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."
薩默斯説道：“三天不到我們就掌握了進入網絡的鑰匙。如果一個專業的黑客團伙可以在三天做到同樣的事的話，想想看他們在520天內可以幹些什麼。”
The year-long investigation included vulnerability checks on about 22,000 machines across avariety of sectors.
在這份長達一年的調查中，Mandiant公司對不同行業共22000台機器做了漏洞檢查。
Leaving breaches undiscovered or unreported for too long can ultimately compromise acountry's economic competitiveness or national security, Mandiant warns.
Mandiant警告稱，如果沒有發現入侵或者太長時間不報告的話，最終會損害一個國家的經濟競爭力或國家安全。
Hackers could take over key infrastructure such as power stations, which happened in theUkraine, and potentially even transport systems in so-called smart cities.
黑客們可以佔領例如發電站一類的關鍵基礎設施(烏克蘭曾經發生過這樣的事)，甚至有可能佔領所謂的“智能城市”中的交通系統。
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.
在消費者層面上，個人信息也許會被用作欺詐目的。此前由網絡安全公司賽門鐵克發佈的一份報告顯示，去年全球有超過5億人的數字身份信息被盜或被泄露。
關於科技類的英語文章蘋果面臨歐洲最大税收罰單
Apple will on Tuesday be hit with Europe’s largest tax penalty after Brussels ruled that thecompany received illegal state aid from Ireland.
蘋果(Apple)將在週二接到歐洲最大的税收罰單，此前布魯塞爾裁定該公司得到了愛爾蘭的非法政府援助。
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.
蘋果將必須向都柏林補交數十億歐元税款。目前歐盟委員會(European Commission)正採取行動，對全球各大企業的激進避税行為重新劃定紅線。
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.
在有人指控愛爾蘭政府發佈的兩項預先税務意見給了蘋果一個其他公司不具有的優勢、違反歐盟法律之後，歐盟委員會展開了為期三年的調查後，最終出爐130頁的判決書。
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.
歐盟競爭專員瑪格麗特•維斯特格(Margrethe Vestager)週一上午向歐盟行政部門的同僚傳達了最終裁決，採用快速通道程序以最大限度減少消息泄露。
The usual notice period is two weeks.
一般通知期應為兩個星期。
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.
該決定勢必引發蘋果和愛爾蘭在歐洲法院提起上訴，二者都否認有任何不當行為。
It follows tension over the inquiry between Brussels and the US, which urged the EUauthorities to drop the case.
布魯塞爾和美國之間圍繞這起調查關係緊張，美國促使歐盟當局放棄該案。
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.
美國財政部指責歐盟委員會成為超國家税務機關，其杜絕激進避税的努力威脅到國際税改協議。
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.
歐盟委員會的裁決呼籲都柏林對蘋果發出新的税單，此前蘋果曾警告美國證券交易委員會(SEC)，布魯塞爾方面作出的對其不利的裁決可能對其財務產生實質性影響。
One person familiar with the inquiry said Apple will have to restate its accounts as a result ofthe ruling.
該調查的一位知情人表示，這一判決將導致蘋果必須重新申報自己的賬目。
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.
調查人員審查了蘋果是如何繳付不到歐洲銷售額1%的税率，遠低於愛爾蘭對商業利潤徵收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.
歐盟委員會正專注於蘋果知識產權資產的税務待遇，這是一個備受爭議的領域，很可能導致蘋果被要求補繳大量欠税。
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.
雖然裁決本身並未具體規定確切的罰款金額，但聽取了有關她的計劃的簡報的人士表示，維斯特格將在週二調查結果公佈時給出一個估計數字。
Several people briefed on the findings in Brussels and Dublin believe the liability will run tobillions of euros.
在布魯塞爾和都柏林聽取了調查結果簡報的多位人士相信，罰款將達到數十億歐元。
European officials have described the looming recovery order as the largest since Brussels wasempowered to police state support to companies in Europe.
歐洲官員將即將出爐的追繳令形容為自布魯塞爾被授權監督在歐企業獲得的國家支持以來的最大一筆罰款。
The biggest penalty to date involved EDF, the French energy group, which was ordered torepay Euro1.4bn.
此前接到最大罰單的是法國電力(EDF)，它被要求補繳14億歐元。
