Chinas largest Internet firms have had startling success elbowing their way onto the turf of the state-run banks, but now the countrys banks and regulators are pushing back.中国大型互联网企业不仅杀进了国有银行的地盘,并且获得了令人吃惊的顺利,但中国银行业和监管机构现在开始反攻了。The central bank said Monday it would set limits on the amount Chinese can spend using smartphone payment services. In an interview with the official Xinhua News Agency posted to its website, the Peoples Bank of China said the proposed caps were designed to limit business risks, but it didnt specify what the risks are.中国央行周一说道,将对智能手机缴纳服务的缴付额度设限。中国央行拒绝接受官方媒体新华社专访时说,白鱼此下限的想法是容许商业风险,但并未说明是哪些风险。新华社网站上发布了这一专访稿。
The central bank said it hadnt yet determined the size of the limits on mobile spending. It said it had drafted new rules but would weigh input from consumers and Internet firms before finalizing them.中国央行说道,仍未确认对移动支付额度展开多大规模的容许。该行说道已草拟了新的规定,但在定稿前会考虑到消费者和互联网企业的意见。
A move to curtail the amounts transferred over mobile-payment services potentially cuts off a multibillion-dollar business for companies such as Alibaba Group Holding, an e-commerce titan, and rival Tencent Holdings Ltd., which have been rushing to release products helping smartphone users shop with their phones. The regulatory blowback comes at a tough time for Alibaba, which is preparing for a listing in the U.S. that could raise as much as $15 billion.容许移动支付服务账户金额的措施可能会截断电子商务巨头阿里巴巴集团(Alibaba Group Holding)及其输掉腾讯控股有限公司(Tencent Holdings Ltd.)等企业规模约数十亿美元的业务。这些企业近来争相公布产品,协助智能手机用户通过手机购物消费。
中国监管部门实施此举时,阿里巴巴于是以面对打算赴美国上市的不利时刻,其上市筹资额最多有可能超过150亿美元。Last week, responding to Chinese media reports that the central bank had proposed a cap on mobile payments of 10,000 yuan (roughly $1,600) a month, Alibaba Chairman Jack Ma said at a Beijing conference: Sometimes youre not defeated by technology; sometimes its a document.中文媒体报道称之为,中国央行明确提出了每月人民币1万元的移动支付限额,上周对此涉及报导时,阿里巴巴董事局主席马云(Jack Ma)在北京的一场会议上说道,有时候,击败你的不是技术,有可能只是一份文件。The big state banks already have moved to cap the amounts depositors can transfer into online products, actions that drew an exasperated response Sunday from Alibabas Mr. Ma.中国国有大银行早已采取行动,容许储户对在线产品的账户金额。
此举周日引起马云反感。What determines success in the market shouldnt be the monopolies and those with power, but the consumers, Mr. Ma wrote in a post shared on Alibabas mobile-messaging application.马云在阿里巴巴旗下的移动短讯应用软件上发帖称之为:“要求市场胜败的不应当是独占和权力,而是用户。
”Although Chinas central bank has said repeatedly it supports financial innovation, how it tries to regulate the Internet firms is being watched as an indicator of Beijings commitment to overhauling state-run enterprises. Economists say subjecting protected state-controlled sectors to more direct competition will be key to spurring consumption and putting Chinas economy on a healthier footing.虽然中国央行重复回应反对金融创新,但外界正在紧密注目央行对互联网企业金融业务的监管措施,并以此检验中国政府做出的改革国有企业的允诺。经济学家回应,为国有企业掌控的行业引进更加多竞争,是性刺激消费和增进中国经济身体健康发展的关键所在。Over the past year, Alibaba and Tencent have attracted tens of billions of dollars by marketing online investment products that feature higher returns than those on savings accounts offered by state banks.过去一年,因为获取比国有银行存款账户更高的收益率,阿里巴巴和腾讯发售的互联网理财产品更有了数百亿美元的资金。
The success has sent ripples through Chinas state-dominated and heavily regulated financial industry, as many younger Chinese have transferred their savings from the banks into the online products.许多年轻人用银行存款账户资金出售了互联网理财产品,这些产品取得的顺利在中国国有企业主导、受到严苛监管的金融行业引起了震动。On Saturday, China Construction Bank Corp. became the latest of the major banks to impose limits on transfers to mobile products. It issued a cap of 5,000 yuan, or about $800, per transaction -- and a total of 50,000 yuan a month -- for deposits to Alibabas YuE Bao fund, meaning Leftover Treasure, according to the banks customer-service department.上周六,中国建设银行(China Construction Bank Corp.)也对向互联网理财产品账户原作了额度,沦为最近一家采行此类措施的大型银行。据该行客服部门称之为,该行原作了储户向阿里巴巴“余额宝”展开快捷缴纳的额度,单笔最低为人民币5,000元(大约为800美元),每月不多达5万元。
For Tencents online product, the limit is 10,000 yuan per transfer and 50,000 yuan a month, the department said.该部门称之为,对腾讯互联网理财产品的额度为每笔人民币1万元,每月不多达5万元。No one knows who gave the banks the power to hurt depositors rights to distribute their capital, Alibabas Mr. Ma said in his Sunday post, which was viewed by The Wall Street Journal before it was taken down. No one knows who will regulate the legitimacy of the big state banks to join hands and force out YuE Bao.阿里巴巴的马云在周日公布的文章中称之为:“也不告诉谁给银行们权力,可以损害储户支配自己资金的权力。更加不告诉谁来监管四大‘国手’牵头打压的合法性?”这篇文章随后被移除,在它被移除前《华尔街日报》(The Wall Street Journal)看见了这篇文章。
In the past two weeks, the central bank has also temporarily suspended online payments using QR codes -- which enable fast recognition of transactions -- and virtual credit cards.过去两周,中国央行还继续禁令用于二维码展开网上支付和虚拟世界信用卡业务。二维码可以减缓网上交易证实。
The bank also has suggested that online investment products could be forced to hold reserves on the funds that they attract -- much like banks must do on their deposits.另外,中国央行还似乎,有可能拒绝互联网理财产品像银行存款那样存留准备金。
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