中科新闻网冰淇淋素描图片大全:有高手能翻译一下吗？谢谢！
来源：百度文库 编辑：中科新闻网 时间：2024/04/28 07:05:43
Nov 9th 2000
From The Economist print edition
Internet banking has failed to live up to its promise, both for traditional banks and for the upstarts that were supposed to wipe them out
UNTIL six months ago, no self-respecting financial consultant would travel without it: the bar chart showing that the marginal cost of Internet banking transactions was a tiny fraction of the cost of branch banking. It was the chart that launched dozens of stand-alone Internet banks. Unshackled from the cost of real property—and real people—Internet banks would, it was claimed, blow stuck-in-the-mud incumbents out of the water. However, as Roberta Arena, director in charge of the Internet for HSBC, a British banking giant, remarks wryly: “Easy to say; tough to do.”
Now Internet banks around the world are faltering. Part of the reason is that their physical rivals have become wiser, launching their own integrated “clicks ’n bricks” strategies that offer customers electronic access as well as dark satanic branches. But they are not undisputed winners either. They are finding that the Internet is, at best, a zero-sum game.
The decline of the stand-alone Internet bank has been a global phenomenon. In America, Wingspan, one of the e-pioneers, announced in October that next year it will share information-technology facilities with its parent, Bank One, in order to save money. First-e, a Dublin-based Internet-only bank valued at euro1.1 billion ($1.1 billion) when it was acquired by Spain’s BBVA in March, has laid off staff and cut expensive television advertising. Marbles, an Internet credit card offered by Britain’s HFC Bank, is also switching from TV advertising to cheaper direct mail; and SEB, a Swedish bank which has said that it sees the Internet as a means of expanding overseas, nonetheless acquired BfG in Germany because of its 170 physical branches.
Egg, which was established two years ago by Prudential, Britain’s largest life insurer, has seen its value subside since it was launched on the stockmarket this spring; and Halifax’s stand-alone Internet bank, IF (for “Intelligent Finance”), opened eleven weeks later than planned, and then only as a telephone bank. AIB, Ireland’s biggest bank, dropped its own plans for a stand-alone Internet bank at the end of October after concluding that its customers preferred to have a choice of channels. In Japan, never known for being at the forefront of financial innovation, Sanwa Bank is abandoning plans to set up a ¥15 billion ($140m) stand-alone Internet bank, having seen their poor performance elsewhere—which leaves Japan with just one online option: Japan Net Bank.
晕,上面那个是用机器翻译的.标题就翻译错了,第一句明显是指的经济学家杂志.35分真的不多啊,算帮你忙,给你翻译一下.一句句的应该没问题，不过有写公司和人名你自己翻译吧,我懒的查,英国的我知道的都给你翻译成中文名字了.
The hollow promise of Internet banking
网络银行的空洞承诺.
Nov 9th 2000
2000年11月9日
From The Economist print edition
来自经济学家杂志印刷版
Internet banking has failed to live up to its promise, both for traditional banks and for the upstarts that were supposed to wipe them out
网络银行在实现自己的承诺方面已经失败,无论是对传统银行还是新兴大客户,都应该将它清理出局.
UNTIL six months ago, no self-respecting financial consultant would travel without it:
直到6个月以前,甚至没有自重的金融顾问会在没有它的情况下作业.
the bar chart showing that the marginal cost of Internet banking transactions was a tiny fraction of the cost of branch banking. 这个图表表明,网络银行转帐的编辑成本是分支银行成本的很小一部分.
It was the chart that launched dozens of stand-alone Internet banks. 这个图表表明建立了许多独立的网络银行.
Unshackled from the cost of real property—and real people—Internet banks would, it was claimed, blow stuck-in-the-mud incumbents out of the water. 由于不受到实在固定资产或者人力资源的制约,网络银行将会,用它自己的话说,守的云看见日月.(自己翻译的成语,不知道对不?0
However, as Roberta Arena, director in charge of the Internet for HSBC, a British banking giant, remarks wryly: “Easy to say; tough to do.” 然而,正如英国银行业巨人汇丰银行网络业务负责人RA的讽刺,说起来容易做起来难,
Now Internet banks around the world are faltering. Part of the reason is that their physical rivals have become wiser, launching their own integrated “clicks ’n bricks” strategies that offer customers electronic access as well as dark satanic branches.现在网络银行在世界各地都举步为艰.部分原因是因为他们的传统对手变的聪明了,因为他们开始发展自己的"点击"业务,从而为顾客提供了电子化的服务.
But they are not undisputed winners either. They are finding that the Internet is, at best, a zero-sum game. 但是这并不能说他们就是不可质疑的胜利者.他们现在正在发现,网络是一个最好的零和的游戏.
The decline of the stand-alone Internet bank has been a global phenomenon. In America, Wingspan, one of the e-pioneers, announced in October that next year it will share information-technology facilities with its parent, Bank One, in order to save money.独立网络银行的衰落是一个全球的现象.在美国,做为网络业务先锋的翼展公司,在10月发表了一项声明表示,为了节约成本,明年他们将与他们的母公司,第一银行共同分享信息技术资源.
First-e, a Dublin-based Internet-only bank valued at euro1.1 billion ($1.1 billion) when it was acquired by Spain’s BBVA in March, has laid off staff and cut expensive television advertising. 都柏林的一家叫做第一网络的网络银行,在3月份被西班牙的BBVA收购时,评估价值只有1.1亿欧元,目前它已经精简员工并且取消了昂贵的电视广告.
Marbles, an Internet credit card offered by Britain’s HFC Bank, is also switching from TV advertising to cheaper direct mail; and SEB, a Swedish bank which has said that it sees the Internet as a means of expanding overseas, nonetheless acquired BfG in Germany because of its 170 physical branches. Marbles,一家由英国的HFC银行提供的网络信用卡业务公司也用更加便宜直接的邮寄广告方式取代了电视广告. 而瑞典银行SEB,尽管已经声称他们将网络银行看做向海外拓展业务的一种方式,但依然经受不住得国BFG银行170家分行的诱惑而实施了收购.
Egg, which was established two years ago by Prudential, Britain’s largest life insurer, has seen its value subside since it was launched on the stockmarket this spring; Egg是一家两年前由应归最大的保险公司Prudential建立的网络银行,但是从今年春天上市以来，资产直已经开始下降.
and Halifax’s stand-alone Internet bank, IF (for “Intelligent Finance”), opened eleven weeks later than planned, and then only as a telephone bank. 而哈里法克斯的独立网络银行IF(智能金融的简写),也比其计划开业时间推迟了11个周,而且它们还只是一个电话业务银行.
AIB, Ireland’s biggest bank, dropped its own plans for a stand-alone Internet bank at the end of October after concluding that its customers preferred to have a choice of channels. In Japan, never known for being at the forefront of financial innovation, Sanwa Bank is abandoning plans to set up a ¥15 billion ($140m) stand-alone Internet bank, having seen their poor performance elsewhere—which leaves Japan with just one online option: Japan Net Bank.爱尔兰的最大银行AIB银行,考虑到他们的客户更加希望得到渠道选择的权利,而在10月末取消了他们建立自己的网络银行的计划.在日本,从没被认为走在金融改革前沿的Sanwa银行已经开始放弃他们建立一个15亿日圆网络银行的计划.因为他们已经看到了网络银行在世界其他地方的拙劣表现.这样以来,日本只剩下一个在线选择:日本网络银行
网上银行业务前景空心
2000年11月9日
从经济学印刷版
网上银行也未能信守承诺,既为银行与传统的大款,理应予以清剿.
直到半年前,没有自尊的财务顾问,没有它会旅行:酒吧图表显示,网上银行交易的边际成本是极小部分银行分行的成本. 有人说图表发动数十单独网上银行. 打破由房地产的成本和真人--网上银行,有人声称打击卡住--现任出污泥水. 但是,由于舞台Roberta主任负责互联网汇丰银行、英国银行巨擘、亚泥花莲话:"易说; 硬做. " 网上银行现在全世界都摇摇欲坠. 部分原因是他们的身体变得更加竞争对手,推出自己的"点击'N砖"的战略,客户提供电子检索以及黑暗魔鬼分支机构. 但并非是无可争议的赢家. 他们发现,互联网是充其量一场零和游戏. 衰落的单独网上银行一直是全球现象. 在美国,翼展之一电子开拓者,在10月宣布,明年将分享资讯科技设施与其母、银行之一,为了省钱. 首E、都柏林基于因特网的银行只值欧元 1.1亿元($11亿)当有人收购西班牙BBVA时，由3月份,下岗人员和削减昂贵的电视广告. 农、因特网提供的信用卡英国HFC银行,也从电视广告转换为直接邮购便宜; Seb和一个瑞典银行已表示,它认为互联网的方式扩大海外,但在德国获得BFG由于其体力170家分店.
鸡蛋,在两年前成立的审慎,英国最大的生命保险公司,已看出它的价值,因为它是平息股市今年春季推出; 与Halifax的单独网上银行,如果("智能财务"),11周后,比计划开始的早,然后只有作为电话银行. 阿拉伯国际银行,爱尔兰最大的银行,投下了自己的计划单独网上银行在10月底结束后,客户宁愿选择频道. 在日本,从不出名站在金融创新,银行分行放弃计划成立人民币150亿元($140M)单独网上银行,亲眼看到自己的业绩不佳其他--树叶日本刚一上网选择:日本Net银行.
这么长啊