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一、经济学人杂志双语文章摘要

中国人民银行已经为数字货币提交了100多项专利申请,并监督了一系列试验,将电子人民币在一些城市和几款应用上投入使用。到目前为止,这些试点测试进展顺利,不久后人们就可以选择下载政府发行的数字钱包。与微信支付和支付宝这类商业应用不同,官方的电子钱包将相当于在央行开了一个账户,和现钞一样可靠。

二、经济学人杂志双语文章中英对照翻译

New money 新型货币

2020.12


Party leaders believe the country’s big tech platforms have too much power
xx认为本国的大型科技平台权力过大 

Economist:New money 新型货币-经济学人杂志双语-金融英语翻译


THERE IS A good chance that the digital yuan will enter circulation in 2021. It is a debut that will initially make little difference, but could, over time, change the way central banks conduct monetary policy.
数字人民币有很大的机会在2021年进入流通。它的首度亮相在最开始影响力不会太大,但假以时日,可能会改变央行实施货币政策的方式。
The People’s Bank of China has filed more than 100 patent applications for a digital currency and has overseen a range of trials, putting the e-yuan into use in a few cities and on several apps. So far the experiments have gone smoothly, and soon people will have the option of downloading a government-issued digital wallet. Unlike commercial ones such as WeChat Pay and Alipay, the official version will be equivalent to an account at the central bank with the same solidity as hard cash.
中国人民银行已经为数字货币提交了100多项专利申请,并监督了一系列试验,将电子人民币在一些城市和几款应用上投入使用。到目前为止,这些试点测试进展顺利,不久后人们就可以选择下载政府发行的数字钱包。与微信支付和支付宝这类商业应用不同,官方的电子钱包将相当于在央行开了一个账户,和现钞一样可靠。
For the millions who already use a smartphone instead of a debit card, it will feel like just another payment app. Yet some talk of digital currency as a revolutionary product that could spell trouble for banks as people withdraw money from savings accounts and put it directly into their ultra-safe official e-wallets. What is more, if digital currency were ever to fully replace cash, central banks would, in theory, gain three new powers: to lower interest rates below zero with little difficulty; to issue cash directly to those most in need; and to see more precisely who has money and how it is spent.
对于已经在使用智能手机而非借记卡的成百上千万民众而言,这就好像在使用又一款支付应用。不过,有些人谈到数字货币作为一种革命性产品可能会给银行带来麻烦,因为人们会从储蓄账户中取出存款,直接放进超安全的官方电子钱包里。此外,如果数字货币有朝一日能完全取代现金,理论上央行将获得三项新权力:将利率轻松地降到零以下;直接向最需要的群体发放现金;更确切地看到谁有钱以及怎么花钱。
In China the central bank is not trying to reinvent monetary policy—at least not yet. Its motivations derive from more immediate challenges. Given the rise of mobile payments, it worries that the big tech platforms have too much power. The digital yuan will offer an alternative. It will also give China a conduit for moving money across its borders without having to rely on SWIFT, a global payments system that comes under American influence. But China’s first objective is much more basic still: to check whether the technology behind the digital yuan works and whether people actually want to use it. Money has been around for some 3,000 years. This update will take time.
在中国,央行并没有在试图重塑货币政策——至少目前没有。其动机源于更近在眼前的挑战。鉴于移动支付的兴起,它担心大型科技平台的影响力过大。数字人民币将提供一个替代选项。它还将为中国提供一个资金跨境流动的渠道,而无需再依赖受美国影响的全球支付系统SWIFT。但中国的首要目标还要更基本得多:检查数字人民币背后的技术是否可行,以及人们是否真的想用它。货币已经存在了约3000年之久。这项升级需要时间。

金融英语翻译

三、翻译园地-金融英语翻译

1. D/D (Banker’s Demand Draft) 票汇

2. decision-making under risk 风险下的决策

3. daily limit 每日涨(跌)停板

4. date of delivery 交割期

5. dealers 批发商

6. death and gift tax 遗产和赠与税

7. debt of honour 信用借款

8. debtor bank 借方银行

9. daily interest 日息

10. deed 契约

11. deed tax 契税

12.deflation 通货紧缩

13. deficit covering 弥补赤字

14. deficit-covering finance 赤字财政

15. deferred savings 定期存款

16. delivery date 交割日

17. demand pull inflation 需求拉动通货膨胀

18. demand-deposit or checking-accounts 活期存款或支票帐户

19. deposit account (D/A) 存款帐户

20. deposit at call 通知存款

21. deposit bank 存款银行

22. deposit money 存款货币

23. deposit rate 存款利率

24. deposit turnover 存款周转率

25. depreciation risks 贬值风险

26. derivative deposit 派生存款

27. derived deposit 派生存款

28. designated currency 指定货币

29. deutsche marks (=DM) 西德马克

30. devaluation of dollar 美元贬值

31. direct exchange 直接汇兑

32. Development Bank 开发银行

33. development financing 发展融资

34. devise 遗赠

35. die intestate 死时没有遗嘱

36. Diners card 大莱信用卡

37.developer 发展商

38. direct financing 直接融资

39. direct hedging 直接套做

40. direct leases 直接租赁

41. direct taxation 直接税

42. discount credit 贴现融资

43. discount market 贴现市场

44. discount on bills 票据贴现

45. discount paid 已付贴现额

46. discounted cash flow 净现金量

47. discounting bank 贴现银行

48. dishonour risks 拒付风险

49. disintermediation 脱媒

50. distant futures 远期期货

51. diversification 分散投资

52. dividends 红利

53. document of title 物权单据

54.double mortgage 双重抵押

55. Documents against Acceptance,D/A 承兑交单

56. Documents against Payment,D/P 付款交单

57. domestic correspondent 国内通汇银行

58. domestic deposit 国内存款

59. domestic exchange 国内汇兑

60. double leasing 双重租赁

61. documentary collection 跟单托收

62. double option 双向期权

63. Dow Jones average 道·琼斯平均数

64. down payment 首期

65. downgrade 降级

66. downside 下降趋势

67. downtick 跌点交易

68. Dragon card 龙卡

69. draw 提款

70. draw cheque 签发票据

71. drawee bank 付款银行

72. drawing account 提款帐户

73. dual exchange market 双重外汇市场

74. dual trading 双重交易

75. due from other funds 应收其他基金款

76. electronic cash 电子现金

77. dumping 抛售

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