我們要使科技成果在利用厚生中發(fā)揮作用，三峽工地上活躍著一群年青的科技工作者,他們氣沖霄漢,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!

　　科技類的英語文章品析

　　移動(dòng)支付崛起威脅中國商業(yè)銀行獲取大數(shù)據(jù)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(dòng)支付正在崛起，而代價(jià)是信用卡和借記卡的使用量在減少，這對商業(yè)銀行獲取客戶數(shù)據(jù)的能力構(gòu)成威脅。這些客戶數(shù)據(jù)被視為新興金融和消費(fèi)業(yè)務(wù)模式的關(guān)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(shí)候，阿里巴巴集團(tuán)(Alibaba Group)旗下金融公司螞蟻金服(Ant Financial)的總裁向英國《金融時(shí)報(bào)》表示，經(jīng)由其支付寶(Alipay)完成的支付跳過了中國銀聯(lián)(China UnionPay)。銀聯(lián)是與中國央行關(guān)系密切的國有結(jié)算網(wǎng)絡(luò)。

　　The result is that UnionPay, along with issuing banks and acquiring banks, is hemorrhaging income from merchant fees.

　　這種狀況導(dǎo)致銀聯(lián)以及發(fā)卡行、收單行從商戶那里賺取的手續(xù)費(fèi)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(wù)的崛起，還包括超市和餐館等線下商戶移動(dòng)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 bn from banks’ fee income in 2015, according to Kapronasia, a Shanghai-based fintech consultancy.

　　總部位于上海的金融科技咨詢公司Kapronasia的數(shù)據(jù)顯示，2015年有更多中國消費(fèi)者從刷卡轉(zhuǎn)向通過移動(dòng)錢包應(yīng)用掃描二維碼，這令銀行損失了200億美元手續(xù)費(fèi)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(dǎo)地位的是貸款的利息收入，結(jié)算手續(xù)費(fèi)則只占一部分。

　　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.

　　不過分析師表示，中國的銀行面臨的更大挑戰(zhàn)來自第三方支付提供商在銀行與客戶之間插一杠子的方式，這種方式令銀行無法獲得關(guān)于消費(fèi)模式的寶貴數(shù)據(jù)。

　　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(chuàng)始人曾農(nóng)•考普龍(Zennon Kapron)表示：隨著第三方支付提供商超越支付業(yè)務(wù)、銷售約車、電影票和理財(cái)產(chǎn)品等多種產(chǎn)品和服務(wù)，數(shù)據(jù)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(huì)幫它們提供有競爭力的產(chǎn)品與服務(wù)的關(guān)鍵交易數(shù)據(jù)。

　　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，隸屬于騰訊(Tencent))的大多數(shù)用戶，在支付時(shí)所用的錢都來自于與其移動(dòng)錢包掛鉤的傳統(tǒng)銀行賬戶。

　　That means traditional bank deposits are still the ultimate source of funds.

　　這意味著，傳統(tǒng)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(dāng)消費(fèi)者用支付寶或微信來支付時(shí)，銀行不會(huì)接收到關(guān)于商戶名稱和所在地的數(shù)據(jù)。

　　Instead, the bank record simply shows the recipient as Alipay or WeChat.

　　銀行的記錄只會(huì)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.

　　由于利率去監(jiān)管化、違約增多以及信貸狂潮后需要抑制貸款增長，中國的銀行的傳統(tǒng)放貸業(yè)務(wù)正承受巨大壓力。在這樣一個(gè)時(shí)點(diǎn)，數(shù)據(jù)的流失為它們帶來了一大挑戰(zhàn)。

　　Big data is seen as vital to lenders’ ability to expand into new business lines.

　　對銀行向新業(yè)務(wù)線拓展的能力來說，大數(shù)據(jù)被認(rèn)為有著至關(guān)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(yè)銀行把主要精力放在服務(wù)大企業(yè)上，不太關(guān)注消費(fèi)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，隨著宏觀經(jīng)濟(jì)遭遇麻煩，企業(yè)業(yè)務(wù)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(yè)務(wù)的機(jī)遇，但如果它們沒有支付和消費(fèi)數(shù)據(jù)，將很難引起消費(fèi)者的更多關(guān)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(yè)銀行都推出了自己的電商平臺，這一跡象說明銀行已認(rèn)識到了數(shù)據(jù)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(chǎn)最多的中國工商銀行(ICBC)運(yùn)營的平臺融e購擁有3000萬用戶，交易額達(dá)8700億元人民幣。

　　經(jīng)典科技類的英語文章

　　調(diào)查顯示 亞洲企業(yè)網(wǎng)絡(luò)安全狀況世界范圍內(nèi)最差

　　Many Asian organisations are badly defended against cyber-attacks, a year-long investigationby US security company Mandiant indicates.

　　根據(jù)美國網(wǎng)絡(luò)安全公司Mandiant一份長達(dá)一年的調(diào)查顯示，許多亞洲企業(yè)在抵御黑客網(wǎng)絡(luò)攻擊方面表現(xiàn)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(diào)查顯示，從入侵發(fā)生到發(fā)現(xiàn)入侵，大多數(shù)亞洲企業(yè)花費(fèi)的時(shí)間的520天。這一數(shù)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(bào)告顯示，相比于世界其他地區(qū)，亞洲被黑客當(dāng)做目標(biāo)的幾率要高80%。在每次黑客入侵中，亞洲企業(yè)平均要損失3.7G的數(shù)據(jù)，那可能是數(shù)以萬計(jì)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?yàn)閬喼薜貐^(qū)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(shù)主管格雷迪·薩默斯指出，這些發(fā)現(xiàn)“令人非常擔(dān)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采訪時(shí)表示：“我們知道亞洲地區(qū)對網(wǎng)絡(luò)事件的反應(yīng)要落后于世界其他地區(qū)，但是我們沒想到居然會(huì)落后這么多。”

　　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(jī)構(gòu)的允許之下入侵了他們的網(wǎng)絡(luò)，從而展示他們的網(wǎng)絡(luò)是多么的不堪一擊。

　　"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."

　　薩默斯說道：“三天不到我們就掌握了進(jìn)入網(wǎng)絡(luò)的鑰匙。如果一個(gè)專業(yè)的黑客團(tuán)伙可以在三天做到同樣的事的話，想想看他們在520天內(nèi)可以干些什么。”

　　The year-long investigation included vulnerability checks on about 22,000 machines across avariety of sectors.

　　在這份長達(dá)一年的調(diào)查中，Mandiant公司對不同行業(yè)共22000臺機(jī)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(fā)現(xiàn)入侵或者太長時(shí)間不報(bào)告的話，最終會(huì)損害一個(gè)國家的經(jīng)濟(jì)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.

　　黑客們可以占領(lǐng)例如發(fā)電站一類的關(guān)鍵基礎(chǔ)設(shè)施(烏克蘭曾經(jīng)發(fā)生過這樣的事)，甚至有可能占領(lǐng)所謂的“智能城市”中的交通系統(tǒng)。

　　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(fèi)者層面上，個(gè)人信息也許會(huì)被用作欺詐目的。此前由網(wǎng)絡(luò)安全公司賽門鐵克發(fā)布的一份報(bào)告顯示，去年全球有超過5億人的數(shù)字身份信息被盜或被泄露。

　　關(guān)于科技類的英語文章

　　蘋果面臨歐洲最大稅收罰單

　　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)將在周二接到歐洲最大的稅收罰單，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(bǔ)交數(shù)十億歐元稅款。目前歐盟委員會(huì)(European Commission)正采取行動(dòng)，對全球各大企業(yè)的激進(jìn)避稅行為重新劃定紅線。

　　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(fā)布的兩項(xiàng)預(yù)先稅務(wù)意見給了蘋果一個(gè)其他公司不具有的優(yōu)勢、違反歐盟法律之后，歐盟委員會(huì)展開了為期三年的調(diào)查后，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)周一上午向歐盟行政部門的同僚傳達(dá)了最終裁決，采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(yīng)為兩個(gè)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(fā)蘋果和愛爾蘭在歐洲法院提起上訴，二者都否認(rèn)有任何不當(dāng)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(diào)查關(guān)系緊張，美國促使歐盟當(dāng)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(cái)政部指責(zé)歐盟委員會(huì)成為超國家稅務(wù)機(jī)關(guān)，其杜絕激進(jìn)避稅的努力威脅到國際稅改協(xié)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(huì)的裁決呼吁都柏林對蘋果發(fā)出新的稅單，此前蘋果曾警告美國證券交易委員會(huì)(SEC)，布魯塞爾方面作出的對其不利的裁決可能對其財(cái)務(wù)產(chǎn)生實(shí)質(zhì)性影響。

　　One person familiar with the inquiry said Apple will have to restate its accounts as a result ofthe ruling.

　　該調(diào)查的一位知情人表示，這一判決將導(dǎo)致蘋果必須重新申報(bào)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(diào)查人員審查了蘋果是如何繳付不到歐洲銷售額1%的稅率，遠(yuǎn)低于愛爾蘭對商業(yè)利潤征收12.5%的正式稅率。

　　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(huì)正專注于蘋果知識產(chǎn)權(quán)資產(chǎn)的稅務(wù)待遇，這是一個(gè)備受爭議的領(lǐng)域，很可能導(dǎo)致蘋果被要求補(bǔ)繳大量欠稅。

　　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.

　　雖然裁決本身并未具體規(guī)定確切的罰款金額，但聽取了有關(guān)她的計(jì)劃的簡報(bào)的人士表示，維斯特格將在周二調(diào)查結(jié)果公布時(shí)給出一個(gè)估計(jì)數(shù)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(diào)查結(jié)果簡報(bào)的多位人士相信，罰款將達(dá)到數(shù)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(quán)監(jiān)督在歐企業(yè)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(bǔ)繳14億歐元。