【精选】电子商务英语之网上金融服务业.doc

电子商务英语网上金融服务业 Unit 12 How the Internet Affects　　Certain Industries　　【学习导读】　　随着电子商务魅力的日渐显露，虚拟企业、虚拟银行、网络营销、网上购物、 网上支付、网络广告等一大批前所未闻的新词汇正在为人们所熟悉和认同，这些词汇同时也从另一个侧面反映了电子商务正在对社会和经济产生的影响。　　The Internet is a revolutionary power that is opening the floodgates of the financial services industry that have been built over the past 40 years，resulting in the introduction of greater transparency, which will render the intermediary role of brokers and investment banks less valuable.　　互联网是一支变革的力量，它为过去40年来建立起来的金融服务业打开闸门，导致透明度增大，且将使得经纪人和投资银行的中介服务贬值。　　In the past，stock brokers justified their high fees by pointing to the equality of their advice ； now knowledgeable amateurs as well as industry experts can trade stock for no charge in popular sites like the Motley Fool. Investors can get advice and market information from many sources other than full-service brokers, so they are less willing to pay a premium just to trade. The challenge to brokers and banks is to survive on thin margins， or find some way to add value. 在过去，股票经纪人强调其咨询服务的质量而理所当然地收取高额费用，现在，知识渊博的业余爱好者和行业专家们可以免费地在诸如“彩衣弄臣”之类的大众网站上进行股票交易。除了从专业经纪人那里投资者还可以从许多资源得到建议和市场信息，因此他们不愿意为了交易而花费额外的费用。对经纪人和银行的挑战是在如此少的利润里生存，或者找到增值的方法。　　Cyberbanking and Personal Finance 1.网络银行和个人财务　　Electronic banking, also known as cyberbanking, virtual banking, home banking, and online banking, includes various banking activities conducted from home, business, or on the road, instead of at a physical bank location. Electronic banking has capabilities ranging from paying bills to securing a loan electronically. It started with the use for proprietary software and private networks but was not particularly popular until emergence of the Web.　　电子银行，亦被称为网络银行、虚拟银行，家庭银行和在线银行。它包括除了在实物银行以外一切场所进行的各种银行活动，如在家庭、商务机构及路面上进行的各种银行活动。电子银行可以操作各种商务活动，从支付账单到电子信贷。当初，它使用专用软件和私有网络，但随着互联网的出现，电子银行得到了普及。　　Electronic banking saves time and money for users. For banks, it offers an inexpensive alternative to branch banking and a chance to enlist remote customers. Ma