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一、经济学人杂志双语文章摘要

咨询公司荣鼎咨询(Rhodium Group)的数据显示,2015年至2019年间,中国的家庭债务存量增加了约4.6万亿美元,接近美国人在2007年至2009年全球金融危机之前差不多长短的时间里累积的5.1万亿美元。另一家咨询公司艾瑞咨询(iResearch)估计,消费者应收账款拖欠余额明年可能接近3.3万亿元人民币,而2015年为1万亿元。

二、经济学人杂志双语文章中英对照翻译

Overdue action 逾期行动

2020.12


Personal debt in China 中国的个人债务
Bad debts lead to even worse behaviour
坏帐导致更坏的行为 

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DEBT-COLLECTION videos have become a popular subgenre on Chinese clip-sharing platforms. Many feature young men deftly fielding phone calls from aggressive collectors. Some portray the abuses—hair pulling, slapping—that have come to define a business that has long gone largely unregulated in China. The result has been a Wild West for collections. Debt collectors sometimes impersonate police officers; the details of debtors’ friends and family are sold so that they can be harassed. A swift rise in personal debt, though, is forcing regulators to act.
在中国的短视频分享平台上,追债视频已经成了一个热门类别。许多短片的主题都是年轻男子如何灵巧地应对咄咄逼人的追债人的电话。有些视频展示出的暴行——揪头发、扇耳光等——勾画出一个长期以来在中国基本上不受监管的行业。结果是追债就像“狂野西部”一样无法无天。追债人有时会冒充警察;债务人亲朋好友的个人信息被卖,他们因而受到骚扰。不过,个人债务的迅速增长正迫使监管机构采取行动。
Between 2015 and 2019 the stock of household debt in China rose by about $4.6trn, close to the $5.1trn accrued by Americans over a similar period before the global financial crisis of 2007-09, according to data from Rhodium Group, a consulting firm. The outstanding balance of delinquent consumer receivables could reach nearly 3.3trn yuan ($500bn) next year, up from just 1trn yuan in 2015, reckons iResearch, another consultancy.
咨询公司荣鼎咨询(Rhodium Group)的数据显示,2015年至2019年间,中国的家庭债务存量增加了约4.6万亿美元,接近美国人在2007年至2009年全球金融危机之前差不多长短的时间里累积的5.1万亿美元。另一家咨询公司艾瑞咨询(iResearch)估计,消费者应收账款拖欠余额明年可能接近3.3万亿元人民币,而2015年为1万亿元。
In June the southern city of Shenzhen drafted the country’s first personal bankruptcy law. Courts routinely heard disputes between lenders and borrowers, but allowed only creditors to file suits. The new law, to be rolled out next year, will offer debtors more protection against creditors. A few other cities are conducting similar experiments, though “these reforms are still very limited,” says Li Jiao of Buren, a law firm.
今年6月,深圳起草了中国第一部个人破产法。法院过去经常性地审理放款人和借贷者之间的纠纷,但只允许债权人提起诉讼。这部将于明年实施的新法规将让债务人在面对债权人时得到更多的保护。荷兰浩达律师事务所(Buren Legal)的焦丽表示,其他一些城市也有类似的尝试,尽管“这些改革还是很有限”。
The central bank, meanwhile, issued draft rules late last year, threatening to punish banks for working with dodgy debt collectors, though it softened the language before the guidelines took effect on November 1st this year. Government pressure, say industry executives, has prompted consolidation. Some companies, such as YX Asset Recovery, have banned in-person visits and operate only call centres—a practice considered less intrusive. YX, which had more than 10,000 agents last year, has sworn off practices including selling debtor information, impersonating government officials, and threatening violence.
与此同时,人行在去年年底发布了新规草案,威胁惩罚与不良追债公司合作的银行,尽管它在这一新规于今年11月1日施行之前软化了措辞。业内高管表示,来自政府的压力促进了行业整合。永雄资产管理集团等一些公司已禁止员工上门催收,只运营被认为侵扰性较小的呼叫中心。去年有一万多名催收员的永雄已承诺不会再使用贩卖债务人信息、冒充政府官员或是暴力威胁等手段。
Yet the early reforms do not quite hit the mark. They have helped control debt collection for banks, but it is online lenders and microloan companies that pose a bigger risk. Delinquency rates have climbed above 30% this year at many nonbank lenders, compared to 5% for banks. Most online lenders are not targeted by the new rules and tend to hire local collections agencies that pursue aggressive, often-illegal tactics for recovering debts.
然而,这些早期改革并没有击中要害。它们有助于管控银行的追债操作,但构成更大风险的是网络贷款机构和小额贷款公司。今年,许多非银行贷款机构的拖欠率升至30%以上,而银行为5%。大多数网络贷款机构并不是这批新法规的整治对象,它们往往会雇用当地的催收机构,这些机构会采取激烈的、通常是非法的追债手段。 Nor has the shift away from in-person visits eliminated debtor harassment. Physical threats seem to be being replaced by mediated forms of “emotional pressure”, applied during frequent phone calls, says Tom McDonald of the University of Hong Kong. Those seeking advice on how to deal with officious agents need look no further than the growing archive of debt-collection videos available online.
禁止上门追讨也并没有消除对债务人的骚扰。香港大学的汤姆·麦克唐纳(Tom McDonald)说,人身威胁似乎正被频繁致电这种非面对面的“情绪施压”所取代。那些想知道该怎么对付盛气凌人的催收员的人,只要看看网上越来越多的追债视频就行了。

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三、翻译园地-alternately, alternatively区别

alternately, alternatively
(1) alternately意为“轮换着,交替地,先是……然后……”。
I'm alternately happy and depressed. 我一会儿高兴,一会儿沮丧。
(2) alternatively意思接近instead,意为“可以替换地,两者择一地”。
It may have been because of the weather, or alternatively it may have been the result of indigestion.
这可能是因为天气所致,再不然也可能是消化不良引起的。

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