中国银行利用互联网金融浪潮

 　　Traditional banking¹ in China is facing a constantly changing operating environment due to China's economic transition and industrial restructuring.

　　The marketization of interest rates is speeding up, posing threats to banking's traditional profit model, which is gaining the interest spreads of deposit and loan.

　　Meanwhile modern technologies such as the internet, big data and cloud computing² are increasingly employed in various sectors⁴ and internet finance is rapidly growing.

　　Yu Xuejun, head of the National Shareholding⁵ Banks Supervision⁶ Department under China Banking Regulatory Commission says all these factors also prompt the traditional banking system to seek new growth points.

　　中国银行利用互联网金融浪潮

　　"Besides the traditional P2P mode, the establishment of WeBank and MyBank is grabbing public attention recently. They're using their online resources and advantages to offer small loans for small and medium enterprises as well as individuals. This sets a good example for the future development of traditional banks."

　　China's largest commercial bank- the Industrial and Commercial Bank of China - is taking measures to find its place in internet finance.

　　It has already established an internet finance marketing⁷ center and a financial center targeting individual credit consumption.

　　Gao Zhixin with the bank says another internet financing center targeting small business is set to open in September:

　　"The internet financing center will offer online financing products for individuals and legal personnel. This will meet the need of small businesses."

　　Meanwhile, some problems and hidden risks have cropped up in China's burgeoning⁸ peer to peer sector³.

　　New guidelines have been released to tighten⁹ the regulation of P2P businesses, through measures including new registration¹⁰ rules, requiring third-party fund trusteeship, and external audits¹¹.

　　Xue Hongjian, who's in charge of product innovation management at ICBC, says the move provides a growth point for banks.

　　"The guidelines have made it clear that banks should be chosen as fund depository agents for P2P platforms. ICBC is now studying funds trusteeship relevant to P2P and are getting ready to provide businesses concerning trusteeship."

　　Analysts¹² say it is necessary for commercial banks to embrace internet and push forward reforms.

　　For CRI, I'm Wang Wei.

1 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

2 computing   

n.计算

参考例句：

• to work in computing 从事信息处理
• Back in the dark ages of computing, in about 1980, they started a software company. 早在计算机尚未普及的时代（约1980年），他们就创办了软件公司。

3 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

4 sectors   

n.部门( sector的名词复数 )；领域；防御地区；扇形

参考例句：

• Berlin was divided into four sectors after the war. 战后柏林分成了4 个区。 来自《简明英汉词典》
• Industry and agriculture are the two important sectors of the national economy. 工业和农业是国民经济的两个重要部门。 来自《现代汉英综合大词典》

5 shareholding   

n.股权

参考例句：

• Shareholding commercial banks must exercise an independent system of board of directors. 股份制商业银行必须实行独立董事制度。 来自互联网
• Asset re-structuring: to conduct shareholding reform for high quality assets. 资产重组：对优质资产进行股份制改造。 来自互联网

6 supervision   

n.监督，管理

参考例句：

• The work was done under my supervision.这项工作是在我的监督之下完成的。
• The old man's will was executed under the personal supervision of the lawyer.老人的遗嘱是在律师的亲自监督下执行的。

7 marketing   

n.行销，在市场的买卖，买东西

参考例句：

• They are developing marketing network.他们正在发展销售网络。
• He often goes marketing.他经常去市场做生意。

8 burgeoning   

adj.迅速成长的，迅速发展的v.发芽，抽枝( burgeon的现在分词 )；迅速发展；发（芽），抽（枝）

参考例句：

• Our company's business is burgeoning now. 我们公司的业务现在发展很迅速。 来自《简明英汉词典》
• These efforts were insufficient to contain the burgeoning crisis. 这些努力不足以抑制迅速扩散的危机。 来自辞典例句

9 tighten   

v.(使)变紧；(使)绷紧

参考例句：

• Turn the screw to the right to tighten it.向右转动螺钉把它拧紧。
• Some countries tighten monetary policy to avoid inflation.一些国家实行紧缩银根的货币政策，以避免通货膨胀。

10 registration   

n.登记，注册，挂号

参考例句：

• Marriage without registration is not recognized by law.法律不承认未登记的婚姻。
• What's your registration number?你挂的是几号？

11 audits   

n.审计，查账( audit的名词复数 )v.审计，查账( audit的第三人称单数 )

参考例句：

• Requires that use of all bond funds is subject to independent audits. 需要使用的所有债券基金是受独立审计。 来自互联网
• Support the locations during customer-visits, audits and quality-improvement programs. 支持客户参观，稽核和提高品质等项目。 来自互联网

12 analysts   

分析家，化验员( analyst的名词复数 )

参考例句：

• City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
• I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。