★英語(yǔ)資源頻道為大家整理的china daily 雙語(yǔ)新聞：余額寶 趴在銀行身上的吸血鬼？，供大家參考。更多閱讀請(qǐng)查看本站英語(yǔ)資源頻道。
投資門檻低：
Initially pitched by the Chinese ecommerce group as a platform for its users to manage excess funds in their online payment accounts, Yu’E Bao is becoming something far more powerful: a straight-up substitute for traditional bank deposits.
起初，阿里巴巴對(duì)余額寶的宣傳定位是，幫助用戶管理在線支付賬務(wù)里富余資金的平臺(tái)。如今，余額寶正在變成一款比這一定位強(qiáng)大得多的產(chǎn)品，即傳統(tǒng)銀行存款的直接替代品。
Richer customers have already started shifting their funds into banks’ wealth management products, which offer much better returns than regulated deposit accounts but have high minimum investment thresholds. With Yu’E Bao, users can invest as much or as little as they want.
手頭更寬裕的顧客已開始將資金轉(zhuǎn)移至銀行的理財(cái)產(chǎn)品上，這類產(chǎn)品比利率受到管制的銀行存款回報(bào)率更高，不過(guò)投資門檻很高。而余額寶用戶的投資數(shù)額沒(méi)有上限也沒(méi)有下限。
趴在銀行身上的“吸血鬼”？余額寶
收益率高：
Just like demand deposits at banks, users can withdraw their money from Yu’E Bao whenever they want. But while demand deposits earn an annualised rate of 0.35 per cent in banks – a level capped by the government to ensure that banks have plump profit margins – Yu’E Bao rates have averaged about 5 per cent over the past month.
和銀行活期存款一樣，余額寶用戶能隨時(shí)從余額寶賬戶提取資金。如今銀行活期存款年利率只有0.35%(為了確保銀行能獲得豐厚的利潤(rùn)，政府將活期存款利率限制在這一水平)，而過(guò)去一個(gè)月余額寶的平均年化收益率則為約5%。
In recent days Alibaba has launched an aggressive marketing campaign, plastering subway stations in Shanghai and Beijing with ads that leave little doubt the company has banks in its sights.
不過(guò)，阿里巴巴最近開始了一場(chǎng)咄咄逼人的營(yíng)銷活動(dòng)。在北京和上海的地鐵站里，貼著阿里巴巴的廣告，這些廣告的內(nèi)容令人不能不懷疑它已將銀行視為對(duì)手。
“The Yu’E Bao annualised return is nearly 14 times higher than the demand deposit rate,” the ads blare. “It’s a wallet that makes you money.”
廣告中高調(diào)聲稱：“余額寶累計(jì)收益率(年化)……是活期存款的近14倍?！边€有句廣告詞說(shuō)：“支付寶錢包，會(huì)賺錢的錢包?！?BR> 據(jù)了解，不少人在開通了余額寶后，每天要登錄無(wú)數(shù)次支付寶，查看自己賬戶中增長(zhǎng)了幾分幾元的“收益”，“因?yàn)槔碡?cái)開始變得好玩”。
金融詞匯：
online payment accounts 在線支付賬戶
bank deposits 銀行存款
wealth management products 理財(cái)產(chǎn)品
demand deposits 活期存款
profit 利潤(rùn)
annualised return 年化收益率
投資門檻低：
Initially pitched by the Chinese ecommerce group as a platform for its users to manage excess funds in their online payment accounts, Yu’E Bao is becoming something far more powerful: a straight-up substitute for traditional bank deposits.
起初，阿里巴巴對(duì)余額寶的宣傳定位是，幫助用戶管理在線支付賬務(wù)里富余資金的平臺(tái)。如今，余額寶正在變成一款比這一定位強(qiáng)大得多的產(chǎn)品，即傳統(tǒng)銀行存款的直接替代品。
Richer customers have already started shifting their funds into banks’ wealth management products, which offer much better returns than regulated deposit accounts but have high minimum investment thresholds. With Yu’E Bao, users can invest as much or as little as they want.
手頭更寬裕的顧客已開始將資金轉(zhuǎn)移至銀行的理財(cái)產(chǎn)品上，這類產(chǎn)品比利率受到管制的銀行存款回報(bào)率更高，不過(guò)投資門檻很高。而余額寶用戶的投資數(shù)額沒(méi)有上限也沒(méi)有下限。
趴在銀行身上的“吸血鬼”？余額寶
收益率高：
Just like demand deposits at banks, users can withdraw their money from Yu’E Bao whenever they want. But while demand deposits earn an annualised rate of 0.35 per cent in banks – a level capped by the government to ensure that banks have plump profit margins – Yu’E Bao rates have averaged about 5 per cent over the past month.
和銀行活期存款一樣，余額寶用戶能隨時(shí)從余額寶賬戶提取資金。如今銀行活期存款年利率只有0.35%(為了確保銀行能獲得豐厚的利潤(rùn)，政府將活期存款利率限制在這一水平)，而過(guò)去一個(gè)月余額寶的平均年化收益率則為約5%。
In recent days Alibaba has launched an aggressive marketing campaign, plastering subway stations in Shanghai and Beijing with ads that leave little doubt the company has banks in its sights.
不過(guò)，阿里巴巴最近開始了一場(chǎng)咄咄逼人的營(yíng)銷活動(dòng)。在北京和上海的地鐵站里，貼著阿里巴巴的廣告，這些廣告的內(nèi)容令人不能不懷疑它已將銀行視為對(duì)手。
“The Yu’E Bao annualised return is nearly 14 times higher than the demand deposit rate,” the ads blare. “It’s a wallet that makes you money.”
廣告中高調(diào)聲稱：“余額寶累計(jì)收益率(年化)……是活期存款的近14倍?！边€有句廣告詞說(shuō)：“支付寶錢包，會(huì)賺錢的錢包?！?BR> 據(jù)了解，不少人在開通了余額寶后，每天要登錄無(wú)數(shù)次支付寶，查看自己賬戶中增長(zhǎng)了幾分幾元的“收益”，“因?yàn)槔碡?cái)開始變得好玩”。
金融詞匯：
online payment accounts 在線支付賬戶
bank deposits 銀行存款
wealth management products 理財(cái)產(chǎn)品
demand deposits 活期存款
profit 利潤(rùn)
annualised return 年化收益率