百度擬聯(lián)手中信推出在線銀行

BAT金融戰(zhàn)在即，各家何去何從？

 

測(cè)試中可能遇到的詞匯和知識(shí)：

conglomerate 集團(tuán)，大企業(yè)

affiliate 使隸屬于

pilot 試點(diǎn)

sought 探尋

downplay 淡化

 

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Baidu in Citic Bank tie-up despite doubts over online bank model（414words）

By Gabriel Wildau in Shanghai

 

Chinese internet search group Baidu will partner with Citic Bank to launch an online bank,local media reported,even as banks launched by Alibaba and Tencent have failed to meet expectations.

 

Internet companies have shaken up China's financial sector in recent years,with mobile payments,wealth management and peer-to-peer lending the biggest growth areas.

 

China Citic Bank,part of state-owned conglomerate Citic Group,suspended its shares in Shanghai and Hong Kong on Monday pending announcement of a “proposed external investment”. Baidu declined to comment on the report by 21st Century Business Herald,but said it would make an announcement tomorrow.

 

In January,Tencent launched the country's first online-only bank,WeBank,named for the gaming and social media company's popular WeChat instant messaging app. The financial affiliate of Alibaba Group,Ant Financial,followed with its own — MyBank — in June.

 

China's banking regulator granted bank licenses to Tencent and Ant Financial as part of a pilot programme to encourage privately owned banks. In a sign of the government's hope that private banks can help channel finance to small,private companies,Chinese premier Li Keqiang attended WeBank's launch ceremony. China's nine largest banks are all state-owned and favour lending to large,state-owned groups.

 

But WeBank's maiden year has been rocky. Bank president Cao Tong resigned in September,and vice president Zheng Xinlin,who handled interbank business,also recently resigned,the bank confirmed on Tuesday. WeBank has also sought to downplay expansion expectations.

 

“We don't think of ourselves as running a traditional bank. WeBank is an internet platform through and through,but one with a banking licence,” Gu Min,chairman,said last month.

 

WeBank has granted Rmb4bn（$627m）in consumer loans,of which Rmb2bn are currently outstanding,said the bank. MyBank had granted Rmb3bn in loans to 180,000 small companies in its four months,executives said at a press conference in October,without specifying the amount outstanding.

 

A key issue for online lenders is whether they can accept deposits under Chinese banking rules that require customers to present identification in person at a bank branch in order to open an account. In September,China Merchants Bank,China's sixth-largest lender,ended an arrangement that allowed its clients to open WeBank accounts.

 

Last March Citic announced plans to issue “virtual” credit cards in partnership with Alibaba and Tencent that would allow users to pay by scanning QR codes,but the central bank halted the initiative days later.

 

Citic did not reply to requests for comment on Tuesday.

 

請(qǐng)根據(jù)你所讀到的文章內(nèi)容，完成以下自測(cè)題目：

 

1.Which one is not mentioned as the biggest growth area for China's financial sector?

A.mobile payments

B.wealth management

C.insurance Finance

D.peer-to-peer lending

[1] 答案

 

2.What did China Citic Bank do on Monday?

A.announced its Listing Agreement

B.dividend in specie

C.suspended its shares

D.offered for subscription

[2] 答案

 

3.Who launched China's first online-only bank?

A.Baidu

B.Alibaba

C.Tencent

D.Google

[3] 答案

 

4.What is the key issue for online lenders when open an account?

A.line of credit

B.identity verification

C.problem of sign and seal

D.deposit period

[4] 答案

 

[1]答案：C.insurance Finance
解釋?zhuān)夯ヂ?lián)網(wǎng)公司近年撼動(dòng)了中國(guó)金融業(yè)，移動(dòng)支付、理財(cái)以及個(gè)人對(duì)個(gè)人貸款成為最大的增長(zhǎng)領(lǐng)域。

[2]答案：A.announced its Listing Agreement
解釋?zhuān)褐行陪y行宣布其在上海和香港上市的股票停牌，等待宣布一項(xiàng)“擬議的外部投資”。

[3]答案：C.Tencent
解釋?zhuān)候v訊發(fā)起成立了中國(guó)首家在線銀行微眾銀行(WeBank)。

[4]答案：B.identity verification
解釋?zhuān)涸诰€銀行面臨的一個(gè)關(guān)鍵問(wèn)題是，他們是否能根據(jù)中國(guó)銀行業(yè)的規(guī)定接收存款，這些規(guī)定要求客戶開(kāi)設(shè)賬戶時(shí)必須親自到銀行網(wǎng)點(diǎn)出示身份證件。